Welcome To Our Educational Workshop On:
Living Debt Free
And Truly Wealthy
Based On The Found Money Management Concepts
This Workshop Is For
Educational Purposes Only…
Our Goal Is To Provide Every Family With
The Strategies and Help They Need To:
Be Debt Free
Establish An Emergency Fund
Fund A College Education
Maximize Retirement Income
Achieve Financially Security
Be open-minded to new ideas
Be willing to suspend your disbeliefs
Sit back, relax and put your checkbook
away we are not here to sell you anything
Today is the first day of the
rest of YOUR life.
How We Work…
You Never write a check to me personally
We are paid directly by the institutions we
represent - with their money, not yours.
No charge to work with your CPA/Attorney
We are here to serve YOUR needs!
Interest Rates Are
Interest Rates used
in this presentation
are for illustration
The Facts Of Life…
Out Of Control Consumer Debt
Stock Market Losses
Low Interest Rates
Soaring Federal and State Taxes
Questions About Social Security Benefits
Today you can add falling house prices,
disappearing jobs, flat wages, lower benefits,
and skyrocketing costs for the most important
The Unfortunate Facts Of Life…
Out Of 100 People Reaching Age 65:
36 Will Be Dead
54 Will Be Financially Embarrassed
5 Will Still Be Working
4 Will Be Financially Secure
Only One Will Be Wealthy
Where Would You Like To Be?
What’s Your Plan To Get There?
The Us Bureau Of Labor and Statistics
The Great American Dream…
We Grew Up Hearing…
Go to College
Get A Good Job
Buy A House
Pay Off The Mortgage ASAP
Save A Little Each Month
…You’ll Be Set For Life!
It Was Rock Solid Advice…
Because Our Grandparents and
Lived In The Same House For Life
Had One Job Their Entire Life
Lived On One Income
Retired With A Pension
Had NO Credit Card Debt
Saved A Little Money Consistently
Could Count On Social Security
Planned On Being Retired For Only A Few Years
However, Life Has Changed…
Move 4-6 Times In Our Life
Have 3-7 Jobs During Our Life
Need Two Incomes Just To Live
Never Have A Pension
Struggle With Credit Card Debt
Save Very Little Money
Worry About Social Security Being There
Be Retired For 30 years, Or More
So, How Do We Keep The
Great American Dream Alive?
We Need To…
Get Back To The Traditional
Ways We Managed Our Money
Find Ways To Cut Expenses
Without Changing Our Lifestyle
Find Ways To Make All Of Our
Money and Assets Work For Us
Establish Better Priorities In
Our Financial Lives
What’s The Number One
Problem Keeping Us
From Attaining The
“Great American Dream?”
How Big A Problem is Debt?
The number of Americans filing for bankruptcy
increased by nearly 40 percent in 2007… One
out of 49 households filed for bankruptcy. And
it is increasing in 2008.
Credit card debt in the U.S. is soaring - almost
tripling since 1989.
The Average Family’s Credit Card balance is
Average Interest Rate Paid On That Debt?
How Much Is Your Debt
Really Costing You?
If you have a Credit Card balance
of $19,000, with an Interest rate
How much is that $19,000 of Debt
really costing you per year?
$2,878.50 Per Year!
Is that $2,878.50 better off in the
banks pocket… or in yours?
If you saved that $2,878.50
each year for 5 years what
would it be worth?
$14,382.50 Plus Interest
What Other Problems Are
A Direct Result Of Having
Too Much Debt?
Little or no Savings
US Savings Rate In 1970 was 8%
US Savings Rate Today is (– 1%)
No Source of emergency funds, besides the
Lack of insurance!
Future planning problems – NO college fund
for kids, NO retirement planning, etc…
What If You Could Reduce And
Eliminate All Of Your Debt Without
Taking Any Additional Money Out
Of Your Pocket… Or Changing Your
How Do You Quickly Reduce
And Eliminate Your Debt?
Identify Money That You May Be Spending
Unnecessarily, or In The Wrong Places
Find And Use Credit Cards With Lower Rates
Combine Your Credit Card Balances
Use Equity Lines of Credit To Pay Off Debts
Prioritize Your Spending
Stop Using Your Credit Cards
Devise A Well Conceived, Coordinated Action
Plan, Using These And Many Of The Newest
Wealth Building Strategies Of Today
If You Saved The Credit Card
Interest Of $2,878.50 Per Year…
In 10 years @7.2%, you would have…
In 20 years @7.2%, you would have…
In 30 years @7.2%, you would have…
Would You Feel More Financially Secure?
Let’s Talk About
When You Retire What’s More
Important… The Amount Of
Money You’ve Saved,
Or, The Amount Of Money
You Get To Spend?
If You Could Take Your
Retirement Income Tax Free…
How Much More
Money Would You
Have To Spend?
If You Do A Good Job Of
Saving For Your Retirement…
Will You Be In A
Higher Or Lower
Tax Bracket When
Answer: Most of us will be in the same
tax bracket or possibly higher.
If Taxes Will Be The Same
Or Higher In The Future…
Why Do We Keep Putting
Money Hand Over Fist into
401k’s, IRA’s, 403b’s Etc...?
Let Me Put It Another Way…
If You Were A Farmer…
Would You Rather Pay Tax On
The Seed… Or The Harvest?
Pay Tax on the seed now… and
get all the corn TAX FREE!!!
More ‘Smart Money’ Moves…
Now Imagine What Could Happen, If You
Could Find More Money To Eliminate
Your Debts and Put Into Savings, By…
Increasing the Deductibles On Your Home Owners
Insurance, Auto Insurance, Health Insurance,
Disability Insurance, etc…
Re-positioning Your Assets And Income To Qualify
For Free College Financial Aid Money…
Taking Advantage Of The Free Money In A 401K…
Reducing Your Income Taxes…
And, It Gets Even Better…
Become Your Own Banker!
How About The Next Time You Decide To Buy
A Car, Make A Major Purchase or Need Money
For A Business Opportunity!
You Borrow The Money From Yourself Instead
Of A Bank!
Then You Pay Yourself The Principal And
Interest You Would Have Paid The Bank!
How Much Better Off Would You Be?
The ‘Living Debt Free
And Truly Wealthy’ Program Is
People With Heavy Consumer Debt…
People Who Are Concerned About Funding
Families Who Are Concerned About Funding
College And Qualifying For Financial Aid…
Commissioned and Self Employed People…
People Who Want The Better Things In Life…
Best Of All,
With Proper Planning
All Of This Can Generally Be
Accomplished Without You
Spending A Penny More Than
You Are Spending Today!
So, What’s The Next Step?
Is It Worth 40 Minutes Of Your Time
To See If You Can…
Reduce or Eliminate Your Debt!
Reduce Your Income Taxes!
Increase Your Savings!
Have The Better Things In Life!
It All Starts With A Plan…
It wasn’t raining when
Noah built the Ark.
“Helping people to live debt
free and truly wealthy.”
What If Your Savings Vehicle…
Could Reap the Upside Potential Of The Stock
Market, Without The Downside Risk!
Guaranteed Your Investment Principal!
Had A Minimum Interest Rate Guarantee!
Offered Tax Deferred Growth!
Had No Early Withdrawal Penalties!
Had Tax Free Access!
Could Pay Off The Mortgage If You or Your
Was Self Completing If You Became Disabled!