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April 13, 2025 16 mins
In this episode, Phil Tower welcomes Dr. Allen Hunt … “The Fourth Quarter Guy”. He helps people discover how to become the best version of themselves in the Fourth Quarter of life. 

A four-time #1 Amazon best-selling author, Allen collaborated with Matthew Kelly to write No Regrets: A Fable about Living Your Fourth Quarter Intentionally. In that fable, they share the ground-breaking secrets of the Fourth Quarter: the 5 Keys to Living and Dying with No Regrets.

Those 5 keys then led them to create The Fourth Quarter of Your Life: Embracing What Matters Most, a workbook to help people do just that: Discover and plan how to intentionally live their fourth quarters with confidence, boldness, and passion. 

You can experience his life-changing discoveries and coaching for yourself. Learn more about Allen:
Online:  Fourth Quarter Guy

 
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Transcript

Episode Transcript

Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:02):
This is iHeartRadio's West Michigan Weekend. West Michigan Weekend is
a weekly programmed designed to inform and enlighten on a
wide range of public policy issues, as well as news
and current events. Now here's your host, Phil Tower.

Speaker 2 (00:16):
This is West Michigan Weekend from iHeartRadio. Thank you so
much for tuning in. I'm Phil Tower. We are with
you every Sunday morning in this iHeartRadio station and a
podcast as well after you're hear it on the radio
Awoodradio dot com. It's my honor and pleasure to welcome
a friend and author speaker also known as the fourth

(00:38):
Quarter Guy. He's doctor Allan Hunt. His latest book, co
authored along with Matthew Kelly, is The Fourth Quarter of
Your Life, Embracing what matters most and also no regrets
living the fourth quarter of your life. We're going to
talk about both of those books and really kind of
do a little bit of an unpacking of what the
fourth quarter of your life is and how to live

(01:00):
it with intention. Alan Hunt, Welcome to the program.

Speaker 3 (01:03):
Phil Tower. It is great to hear your voice and
to be with you my friends.

Speaker 2 (01:07):
Well, it's good to be with you as well, and
I want to start with the motivation. I am screaming
toward the fourth quarter of my life. I have not
yet hit that. I can't believe I'm talking about this
on a radio. Not yet hit that decade that starts
with a six. But I'm assuming that is the quarter
of life we're talking about, the last twenty years of life,

(01:29):
sixty to eighty? Is that safe to say? And kind
of talk about what got your mind along with Matthew
Kelly in that thinking of, Yeah, we need to talk
about this, We need to give some thought to this
and and put some of the principles that we know
will work well into a work book and a book.

Speaker 3 (01:47):
You are perilously close to that fourth quarter, Phil, So
I'm glad. I'm glad you're paying attention now.

Speaker 2 (01:52):
Thank you.

Speaker 1 (01:54):
Yeah.

Speaker 3 (01:55):
Yeah, The average American lives to be eighty years old.
I mean, obviously some people get more than that enter
well into their nineties, but a lot of people don't.
But on average, the average male and female in the
US lives to be eighty and we you know, I've
now put through that birthday. As we speak most recently
and as we were thinking about a number of different

(02:16):
projects that we were working on, phil this one. This
kind of rose to the surface because our culture worships you,
and we like to deny that we're going to die,
and we like to pretend that we can make time
stand still or turn time back. People say sixty to
the new forty one. Sixty, you know, mathematically sixty sixty,
that's what it is. And if you're once you hit sixty,

(02:40):
if the average age or average lifespan is eighty, that
means you're in the fourth quarter. And so you know,
we did a lot of research. We ran an enormous
amount of the science of aging and of dying both
and also did over one thousand interviews with folks trying
to kind of understand what helps people to really live
with passion and with this confidence even in boldness in

(03:02):
the fourth quarter read and sort of acquiescing to this
youth obsessed culture that this seems to think that older
folks need to go away or not be heard. So
just trying to help people identify what are the keys
to living your fourth quarter well with direction and really
having a sense of a purpose in that fourth quarter.
So that's what it was about.

Speaker 2 (03:22):
Yeah, and there's a work book first, which I want
our listeners to know about. There's a warkbook. It's titled
No Regrets of Fable about living your fourth quarter intentionally.
That's the book, and ORRT that's the fable, and fable
meaning a story, and I think we can all relate
to stories. This is about a woman named Lisa, just

(03:44):
as she's about to turn sixty, she faces a starting realization.
And you know, I want to stop right there because
it is a great fable. But a lot of us
just go through life, Allen, really never thinking about what
are we doing with our lives? And that's a normal thing.
I don't want people to have shame about that, but
at the same time, I've certainly done it for the

(04:04):
majority of my life. You've got to, you know, first
of all, raise your kids. If you're married and have kids,
You've got to bring home money. You've got to have
some kind of a job that pays well enough, keep
a roof over your head, keep your family fed, and
all those things. And then, you know, obviously try to
have some quality of life with respect to family, friends, spirituality,

(04:26):
and then throw everything else aside. You know, when do
you have time to think about what am I doing
with my life? Fair enough to say?

Speaker 3 (04:33):
Right yeah, exactly. I mean it's a lot just to
try to buy groceries, pay the bills, maybe deal with
a parent who's struggling with health, maybe dealing with a
kid who's struggling with an addiction, trying to hold job,
trying to keep a marriage or your life together. Most
it's easy just to get consumed by the details of
life and never take a step out of that, at

(04:54):
least for a short moment, whether it's to take a
retreat or to read a good book, or just to
take a long walk several days in a row just
to kind of reflect on, Okay, who am I, where
am I? And where am I going. It's harder to
do than it sounds well said.

Speaker 2 (05:07):
So talk about the fable about Lisa. Why do you
think that will resonate with folks?

Speaker 3 (05:13):
Yeah, you know, this is about a woman, and again
it's a fable. As you said, it's fictional, but it's
based on kind of a sort of a composite of
all these interviews that we did about a woman who's
turning sixty and her husband passed away several years prior,
suddenly from a heart attack in the driveway at her house,
and she's been busy scrambling trying to kind of piece

(05:33):
her life back together, and her kids throw her birthday
party and for sixtieth and somebody at the party comes
up and says, hey, congratulations during the fourth quarter, I
never really thought about that. And so there were some
different kinds of things that happened in her life. I
won't ruin the fable, but that she begins to kind
of reflect on, Okay, where am I at this stage?
And time does run out, My life does have an

(05:54):
expiration date. You know what do I want this last
quarter of this last chapter to look like, so that
can shape it intentionally rather than to sort let it
happen like you were describing phil where life is what
happens to us, but actually try to take some steps
to shape it intentionally.

Speaker 2 (06:09):
Yeah, and I'm so glad that you have this workbook
and the book which is the fable we are just
talking about No Regrets, which is the fable about living
your fourth quarter intentionally and life does happen to us
whether we plan for it or not. And you know,
I think a lot of this fourth quarter thinking begins
Allen with the idea of facing retirement. Now what I'm

(06:32):
you know what am I going to do now? And
the whole concept of retirement is changing. Is you and
I are living our lives right now. A lot of
people are not fully retiring, you SA, they don't want to.
It's a generational thing, right well, part of.

Speaker 3 (06:46):
A generational, part of its economic. Part of it's just
I mean, you know, I read in a Wall Street
Journal a couple of weeks ago that over the next
ten years, over half of the job growth in the
US will be people age sixty five and old. Part
of that is because is one expression of who we
are and what we want our life to look like.
Part of it is there's a lot of folks who

(07:06):
financially need to be working well into their seventies, but
we've hand sort of this idealized version or this idyllic
version of retirement is I hang it up altogether, then
I go do something else, and that's not work. But
for most of us, work in some form of work,
whether it's unpaid volunteer work, or whether it's paid work,
or whether it's part time work, or whether it's starting
our own thing in our later years, work is going

(07:29):
to be an expression of what we're hoping to accomplish
and an expression of who we are, I mean, and
that's what we're trying to get out of this is
you know, the book's not really about retirement as much
is about who you are and who you want to
be and frankly, who God wants you to be in
this fourth quarter? And then what role? What role will
your family, what role will your relationships, what role will recreation,
what role will money? And what role will work play

(07:52):
in that? So that work's really kind of an outflow
of the of the bigger question, which is who am I,
who do I want to become? And what I'll want
my life will look like?

Speaker 2 (08:01):
And intentionality is the key to all of this. Is
that is a word. Do we hear a lot? It's
a word I hear a lot. We hear it in
a business life, we hear it in personal life. And
I'm so glad you mentioned the spiritual aspects. So many
of our listeners do have faith as a foundation in
their lives and their families, and doing it with some

(08:21):
kind of a spiritual foundation, whether it's Christianity or something else,
is pretty significant because otherwise I would dare say, and
I don't think you'll disagree with me on this, Doctor
Allen Hunt. Without some kind of a central focus from
a spirituality standpoint, you're often rudderless.

Speaker 3 (08:42):
Yeah, and that's that's exactly what we found in these
interviews and observations and studies that we were doing on
people who were in their fourth quarters, is that that
was one of the fundamental difference makers. Is if you
do have a robust, vibrant faith life, it makes all
the difference in the world because you do have it
percents about who you are and where you're going and

(09:02):
what you're trying to accomplish. Whereas the folks that didn't
have that, it was a bit more of a struggle
and kind of flailing around trying to figure out what
do I really want and who am I really And
I've always defined myself on my work or by something else.
That's like, I don't have that now. So that was
one of the key observations that we found in all

(09:22):
of our research.

Speaker 2 (09:23):
My guest is doctor Allen Hunt, often known as the
fourth Quarter Guy, co author along with Matthew Kelly, of
the Fourth Quarter of Your Life, Embracing What Matters Most.
It's a workbook that will help you, and I think
that's where I'm going right now thinking this workbook helps
you get to where you want to be, to live
that fourth quarter of your life intentionally. There's a fable

(09:45):
that kind of sets your mind in that mindset. But
you know, the bottom line is to live your life
with intentionality if it is the last quarter of your life,
even if it's the last half quarter of your life.
To make sure you've got some meaning and direct action,
to have clarity, to know where you're going, and along
the way, Yeah, you even have room for hopes and dreams.

(10:08):
And I want to ask you this in terms of
you know that planning part Alan, I think the book
and the workbook are so important because a lot of people,
even if they're hearing you and I have this conversation
on their radio right now, they have no idea what
they want to do with the fourth quarter of their life.

Speaker 3 (10:25):
Yeah, and that's for that workbook called the fourth Quarter
of your Life, Embracing what matters most. That's what it's
designed to do, phil Is. It's forty exercises, some of
which are pretty simple, some of which require some time
and reflection, and they're not necessarily in any order. You
can do them however you want, but they're designed to
help people get back to what you were just saying

(10:45):
about intentionality, to really begin thinking about, Hey, where have
I been, where am I going? What do I want
this fourth quarter to look like? What are the things
that are going to be important to me? Or are
the things that are no longer going to be important
to me? Because you know, urgency is your best friend
the fourth quarter, because then you begin to realize, Okay,
I don't I can't just sort of kind of keep
puttering along. I either need to make the most of

(11:05):
this or I don't because time is going to run out.
And so part of the of the exercises really is
helping you to identify what does matter most to me,
because that's where I want to spend most of my time,
my energy, my attention, and my money and what doesn't
matter to me anymore, And that's the kind of stuff
I really want to either minimize or delete out of
my line ball together.

Speaker 2 (11:24):
Yeah, I want to talk about that because if you
haven't lived with this mindset of okay, I need to
live with a sense of urgency with intentionality. Do you
have any tricks, any tips for listeners in terms of
kind of retraining your mind that way, Ellen, yeah.

Speaker 3 (11:38):
I mean, I think that's what the both the fable
and the workbook really seek to do. The fable is
kind of like smelling salt. There's a couple of things
that happened in here. This part design to kind of
get people's attention, kind of like being in a boxing
match and they've been beat up for sixty years.

Speaker 2 (11:53):
Sit there, Okay, I'm going to stop here right there.
I agree with that analogy one thousand percent, because good luck,
there are a lot of us the smelling salts. We
need a two by four in the side of the head.
That's so true. Yeah, go ahead.

Speaker 3 (12:09):
It's a part of it designed to kind of get
our attention because I know, I'll do a lot of
speaking to different kinds of groups and crowds, and when
you talk about this, a lot of times people's eyes
just kind of glaze over to go, yeah, I know
I'm going to die, and they dissociate from the rest
of your talk. And so we realized that we needed
something that was smelling salts for people to go that
you really need to think about this, because otherwise it's

(12:29):
going to slip away from you and you're gonna have
a lot of regrets and This is how you avoid
regrets is by getting intentional on the front end and
trying to stay on the front end of this curve
rather than this sort of like you said earlier, letting
life happen to you.

Speaker 2 (12:43):
I just had a very close friend have a life
event happen, health event, nearly complete blockage in one of
his arteries, you know, unexpected bypass at age fifty eight.
And that was one of those smelling salts moments. And
they come in all different shapes in side. But fortunately
you and Matthew Kelly have the workbook to kind of

(13:04):
get you there. We'll call it a Literary Dose of
Smelling Salts. And that is the book, the Fourth Quarter
of Life, Embracing what matters most. You've set it up
as a workbook, and I've got about a minute and
a half left, real quickly, let our listeners know how
with both of these great books, how they can kind
of get their mind tuned living the fourth quarter of

(13:25):
their life well and within sanctionality.

Speaker 3 (13:28):
Yeah, I mean, I think the goal would be simply
to get the two books and then set aside sometime again,
whether it's a three day weekend and you can take
a retreat at a park or at a monastery or
someplace people, or whether it's that you've set aside an
afternoon once a week for the next six weeks just
to intentionally spend a little time. I'm reading those journaling,

(13:51):
using the workbook and doing the exercises and beginning to reflect.
And once you set that momentum in action or into motion,
you'll begin to see fruit coming out of that that
will propel you still forward. I mean, you won't just
be done, but you will have begun that process, and
they'll be planning in there like a seed, and it'll
germinate in your mind and in your soul, and you'll

(14:11):
begin to see things differently, playing things differently, and you'll
begin to live differently. You really will.

Speaker 2 (14:16):
And I love, just for a final thought, I love
the analogy with of course, football game the fourth quarter.
Some of the best football games you and I have
witnessed in our lives and a lot of our listeners
have been great comeback stories in the fourth quarter or
just you know, absolutely a great competition that was one
in the fourth quarter. But there was a lot of thought,
a lot of intentionality there. There's you know, a play

(14:39):
for a specific play for every moment of the game
and a lot of thought and coaching that goes into that.
And this is a great way to get yourself there
without having to hire your own life coach. Now and
I wish I had another fifteen minutes with you. I'm
so grateful we could connect. The book is No Regrets,
a fable about living your fourth court intentionally. Consider that

(15:02):
the smelling salts for the workbook, which is the fourth
Quarter of your Life, Embracing what matters Most, by doctor
Allen Hunt and co author Matthew Kelly. You can get
both of the books learn all about them at fourth
quarter Guy dot com. That's fourth the word fourth spelled
out f o u R th quarterguide dot com, fourth
quarter Guy dot com and get going with the fourth

(15:26):
quarter of your Life. Both books are available right now
at that website. Alan Hunt, it has been my honor
and pleasure. Thank you so much for joining us.

Speaker 3 (15:35):
Great to be with you, Phil, You are the best.

Speaker 2 (15:37):
That's my conversation with Alan Hunt, his book The fourth
Quarter Guy. It's available at fourth quarter guide dot com.
Nationally known speaker and best selling author, He's also a
great guy.

Speaker 1 (15:49):
You've been listening to iHeartRadio's West Michigan Weekend. West Michigan
Weekend is a production of Wood Radio and iHeartRadio.
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