Even if you’re a millionaire, you should still consider investing in a Life Insurance Policy. I think it’s one of the most important things you can do for your future to have the best retirement possible. Invest in Life insurance! This does at least three different things depending on how it’s designed: Income Replacement: If […]


Episode 075: Home Equity Fails Liquidity Test In this episode, I’m going to begin to show you how home equity, paying off your mortgage, fails all four tests of a wise investment. It’s very popular and very comfortable to pay off your mortgage but compared to the alternative way of being debt-free it’s a terrible […]


Episode 074: What Is Mortgage Planning and Why You Should Care This is where I started my career as a Financial Educator eleven years ago. An expert in Mortgage Planning, which is using mortgages to create a better retirement, trained me personally over about a twelve-month period. The mortgage is the most powerful tool in […]


I was almost retired for the last two weeks… When I started my career as a financial advisor, I was only 32 years old. No money to my name, no grey hair and no experience…just what everyone wants from an advisor right? But I knew one thing: People love truth and they want to see […]


RR Episode 072: Divorce the IRS Using Roth Conversions  Are you enjoying your marriage to the IRS? Did you know you can divorce the IRS and choose not to pay taxes on IRA/401k income in the future? For those who think taxes may go up, this episode explores the option of converting your existing Qualified […]


Equity inside a home can’t be out of the home earning compound interest If you pay off your mortgage faster, the total interest does decrease, but it will hurt you financially! Every dollar in a home COSTS interest which is called an opportunity cost. Since long-term earnings, with no losses after fees and taxes, on […]


Episode 071: Tax Torpedo – Avoid Paying Taxes on Social Security Income Taking money from IRA’s and 401K’s may allow the IRS to charge taxes on your Social Security Income. In this episode, I’ll do a brief explanation of the problem we call the tax torpedo! Included in this episode: If you think taxes are […]


Episode 070: Are Taxes Going Up or Down? Most people should not be using 401K’s and IRA’s to save for retirement. So what should you be doing? Should you use pretax money and invest in 401K’s and IRA’s or after tax money and use Roth IRA’s and Cash Value Life Insurance? It’s actually a very […]


Episode 069: The IRS Spells THEIRS This is the second episode of Tax Week. I’m going to talk a bit about the IRS’s job and how to play the game of lowering taxes while having fun. I’ll introduce you to the most successful card the IRS has ever played in the game they play which […]