Episode 078: Home Equity Fails Tax Treatment Test In this final episode of the four episodes where I show that home equity fails all of the tests of a wise and good investment. Besides failing the Liquidity Test, the Safety Test, and the Rate of Return Test; home equity also hurts you on your taxes, causing you […]


Episode 077: Home Equity Fails Rate of Return Test What’s the rate of return you earn on your home equity? Did you say, “Oh, over the last 30 years homes appreciated about 5-7%” or something like that? You just made a mistake that’s costing you thousands of dollars per year and causing you to carry unnecessary […]


Episode 076: Home Equity Fails Safety Test In this episode, I’ll cover the second proof that paying off your mortgage is a dangerous and unwise financial decision based on outdated data. Home equity is not safe from depreciation, foreclosure, or natural disaster even if you carry insurance. All tests of a wise and conservative investment. Included […]


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 […]


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 […]


RR Episode 066: Author David McKnight Teaches how to be in a Zero Percent Tax Bracket In this episode, I interview Author David McKnight, who teaches retirees how to be in a zero percent tax bracket. We also talk a bit about a new book he has just released. David talks about how The Power […]


Episode 067: It’s Kind of True That Your Retirement Account Can Grow by a Guaranteed 8% – 9% Per Year There’s a place to put your money where it will grow by a guaranteed 8%-9% per year. Sound too good to be true? Listen to this short episode and see which tool it is and […]


I recently answered a question on Quora, related to using a Financial Advisor and if their services are worth it. I thought this question would make a really great post for this week. You should only use a financial professional for things you CANNOT do yourself How to utilize a financial advisor: What you should […]