Episode 010: The Three Enemies that Keep You from Investing Properly There are three things, three enemies to your setting up a successful financial and retirement plan. In this episode, I’m going to explain each of the enemies that will keep you from investing properly. I’ll explain where they come from and what to do to […]


Episode 007: Surrender Penalties: The Good, The Bad, The Ugly In this episode, I’m going to cover surrender penalties which are actually a very important piece of a sound financial plan. I’m going to present you with a question that the bad guys will never ask you. You will understand surrender penalties, how to get around them, […]


Episode 006: What the Heck is a MEC? In this episode, I’m going to talk about MEC’s or Modified Endowment Contracts, with two main uses. I’m going to show you the really fun one which is how to use a MEC to earn 8%-12% on your emergency fund money. There is no longer any reason to […]


Episode 004 Is your Advisor Smarter Than a Fifth Grader? In this episode, I’m going to teach you what I call the most important thing I’ve ever learned about money. This is the biggest lie of them all and MOST of you listening, will find that you are currently being affected by this purposeful spin […]


Episode 003: Stop Looking for The Perfect Investment The bad guys in the financial industry have trained the entire world to look for what’s wrong with every financial product and this will crush your retirement. There’s no “one food” that will give you everything you need nutritionally, and no “one tool” that is all you […]


“It’s all about the balance, not the rate of return, actually, it’s all about the income, not the account balance.” Many people in this world focus on how much rate of return their money is earning. Now, in a previous article, I showed that average rate of return (mean), is a useless deceptive number used […]

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