Living Debt Free Living Debt Free And Truly WealthyAnd Truly Wealthy

Welcome To Our Educational Workshop On:Welcome To Our Educational Workshop On:

Based On The Found Money Management ConceptsBased On The Found Money Management Concepts

This Workshop Is For This Workshop Is For Educational Purposes Only…Educational Purposes Only…

Our Goal Is To Provide Every Family Our Goal Is To Provide Every Family With The Strategies and Help They With The Strategies and Help They

Need To:Need To:

Be Debt FreeBe Debt Free Establish An Emergency FundEstablish An Emergency Fund

Fund A College EducationFund A College EducationMaximize Retirement IncomeMaximize Retirement IncomeAchieve Financially SecurityAchieve Financially Security

Ground RulesGround Rules Be open-minded to new ideas Be open-minded to new ideas Be willing to suspend your disbeliefsBe willing to suspend your disbeliefs Sit back, relax and put your Sit back, relax and put your

checkbook away we are not here to checkbook away we are not here to sell you anythingsell you anything

Remember…Remember…

Today is the first day of the Today is the first day of the rest of rest of YOURYOUR life. life.

How We Work…How We Work… You Never write a check to me You Never write a check to me

personallypersonally We are paid directly by the institutions We are paid directly by the institutions

we represent - with their money, we represent - with their money, notnot yoursyours..

No charge to work with your No charge to work with your CPA/AttorneyCPA/Attorney

We are here to serve We are here to serve YOURYOUR needs! needs!

Interest Rates Interest Rates used in this used in this presentation are presentation are for illustration for illustration purposes only!purposes only!

Interest Rates Are Interest Rates Are Samples Samples OnlyOnly……

The Facts Of Life…The Facts Of Life… Out Of Control Consumer DebtOut Of Control Consumer Debt Minimal SavingsMinimal Savings Stock Market LossesStock Market Losses Low Interest RatesLow Interest Rates Soaring Federal and State Taxes Soaring Federal and State Taxes Questions About Social Security BenefitsQuestions About Social Security Benefits andand Today you can add falling house prices, Today you can add falling house prices,

disappearing jobs, flat wages, lower disappearing jobs, flat wages, lower benefits, and skyrocketing costs for the benefits, and skyrocketing costs for the most important consumer items most important consumer items

The Unfortunate Facts Of Life…The Unfortunate Facts Of Life…

36 Will Be Dead36 Will Be Dead 54 Will Be Financially Embarrassed54 Will Be Financially Embarrassed 5 Will Still Be Working5 Will Still Be Working 4 Will Be Financially Secure4 Will Be Financially Secure Only One Will Be WealthyOnly One Will Be Wealthy

Out Of 100 People Reaching Age Out Of 100 People Reaching Age 65:65:

Where Would You Like To Be?Where Would You Like To Be?

The Us Bureau Of Labor and Statistics

What’s Your Plan To Get What’s Your Plan To Get There?There?

The Great American Dream…The Great American Dream…

We Grew Up Hearing…We Grew Up Hearing…

Go to CollegeGo to College Get A Good JobGet A Good Job Buy A HouseBuy A House Pay Off The Mortgage ASAPPay Off The Mortgage ASAP Save A Little Each MonthSave A Little Each Month

……You’ll Be Set For Life!You’ll Be Set For Life!

It Was Rock Solid Advice…It Was Rock Solid Advice…Because Our Grandparents and Because Our Grandparents and

Great Grandparents…Great Grandparents…

Lived In The Same House For Life Lived In The Same House For Life Had One Job Their Entire Life Had One Job Their Entire Life Lived On One IncomeLived On One Income Retired With A PensionRetired With A Pension Had NO Credit Card DebtHad NO Credit Card Debt Saved A Little Money ConsistentlySaved A Little Money Consistently Could Count On Social SecurityCould Count On Social Security Planned On Being Retired For Only A Few Planned On Being Retired For Only A Few

YearsYears

However, Life Has Changed…However, Life Has Changed…

Today, We’ll…Today, We’ll… Move 4-6 Times In Our LifeMove 4-6 Times In Our Life Have 3-7 Jobs During Our Life Have 3-7 Jobs During Our Life Need Two Incomes Just To LiveNeed Two Incomes Just To Live Never Have A PensionNever Have A Pension Struggle With Credit Card DebtStruggle With Credit Card Debt Save Very Little MoneySave Very Little Money Worry About Social Security Being ThereWorry About Social Security Being There Be Retired For 30 years, Or MoreBe Retired For 30 years, Or More

So, How Do We Keep The So, How Do We Keep The Great American Dream Alive?Great American Dream Alive?

We Need To…We Need To… Get Back To The Traditional Get Back To The Traditional

Ways We Managed Our MoneyWays We Managed Our Money Find Ways To Cut Expenses Find Ways To Cut Expenses

Without Changing Our Without Changing Our LifestyleLifestyle

Find Ways To Make All Of Our Find Ways To Make All Of Our Money and Assets Work For UsMoney and Assets Work For Us

Establish Better Priorities In Establish Better Priorities In Our Financial LivesOur Financial Lives

What’s The Number One What’s The Number One Problem Keeping Us Problem Keeping Us From Attaining The From Attaining The

“Great American Dream?”“Great American Dream?”

How Big A Problem is Debt?How Big A Problem is Debt? The number of Americans filing for bankruptcy The number of Americans filing for bankruptcy

increased by nearly 40 percent in 2007… One increased by nearly 40 percent in 2007… One out of 49 households filed for bankruptcy. And out of 49 households filed for bankruptcy. And it is increasing in 2008.it is increasing in 2008.

Credit card debt in the U.S. is soaring - Credit card debt in the U.S. is soaring - almost tripling since 1989. almost tripling since 1989.

The Average Family’s Credit Card The Average Family’s Credit Card balance is $19,000balance is $19,000

Average Interest Rate Paid On That Average Interest Rate Paid On That Debt? 15.15%Debt? 15.15%

How Much Is Your Debt How Much Is Your Debt Really Costing You?Really Costing You?

If you have a Credit Card balance If you have a Credit Card balance of $19,000, with an Interest rate of $19,000, with an Interest rate

of 15.15%… of 15.15%…

How much is that $19,000 of Debt How much is that $19,000 of Debt really costing you per year?really costing you per year?

$2,878.50 Per Year$2,878.50 Per Year!!Is that $2,878.50 better off in the Is that $2,878.50 better off in the

banks pocket… or in yours?banks pocket… or in yours?

If you saved that $2,878.50 If you saved that $2,878.50 each year for 5 years what each year for 5 years what

would it be worth?would it be worth?

$14,382.50 $14,382.50 Plus InterestPlus Interest

What Other Problems Are What Other Problems Are A Direct Result Of Having A Direct Result Of Having

Too Much Debt?Too Much Debt? Little or no Savings Little or no Savings

US Savings Rate In 1970 was 8%US Savings Rate In 1970 was 8%US Savings Rate Today is US Savings Rate Today is (– 1%)(– 1%)

No Source of emergency funds, besides No Source of emergency funds, besides the credit cardthe credit card

Lack of insurance!Lack of insurance! Future planning problems – NO college Future planning problems – NO college

fund for kids, NO retirement planning, fund for kids, NO retirement planning, etc…etc…

What If You Could Reduce And What If You Could Reduce And Eliminate All Of Your Debt Without Eliminate All Of Your Debt Without Taking Any Additional Money Out Taking Any Additional Money Out

Of Your Pocket… Or Changing Your Of Your Pocket… Or Changing Your Current Lifestyle?Current Lifestyle?

How Do You Quickly Reduce How Do You Quickly Reduce And Eliminate Your Debt?And Eliminate Your Debt?

Identify Money That You May Be Spending Identify Money That You May Be Spending Unnecessarily, or In The Wrong PlacesUnnecessarily, or In The Wrong Places

Find And Use Credit Cards With Lower Rates Find And Use Credit Cards With Lower Rates Combine Your Credit Card BalancesCombine Your Credit Card Balances Use Equity Lines of Credit To Pay Off DebtsUse Equity Lines of Credit To Pay Off Debts Prioritize Your SpendingPrioritize Your Spending Stop Using Your Credit CardsStop Using Your Credit Cards Devise A Well Conceived, Coordinated Action Devise A Well Conceived, Coordinated Action

Plan, Using These And Many Of The Newest Plan, Using These And Many Of The Newest Wealth Building Strategies Of TodayWealth Building Strategies Of Today

In 10 years @7.2%, you would have…In 10 years @7.2%, you would have…

$43,039$43,039In 20 years @7.2%, you would have…In 20 years @7.2%, you would have…

$129,299$129,299In 30 years @7.2%, you would have…In 30 years @7.2%, you would have…

$307,184$307,184

Would You Feel More Financially Secure?Would You Feel More Financially Secure?

If You Saved The Credit Card If You Saved The Credit Card Interest Of $2,878.50 Per Year… Interest Of $2,878.50 Per Year…

Let’s Talk About Let’s Talk About Retirement…Retirement…

When You Retire What’s More When You Retire What’s More Important… The Amount Of Important… The Amount Of

Money You’ve Saved,Money You’ve Saved,

Or, The Amount Of Money Or, The Amount Of Money You Get To Spend?You Get To Spend?

If You Could Take Your If You Could Take Your Retirement Income Tax Free…Retirement Income Tax Free…

How Much More How Much More Money Would You Money Would You Have To Spend?Have To Spend?

If You Do A Good Job Of If You Do A Good Job Of Saving For Your Retirement…Saving For Your Retirement…

AnswerAnswer: : Most of us will be in the Most of us will be in the same tax bracket or possibly same tax bracket or possibly higher.higher.

Will You Be In A Will You Be In A Higher Or Lower Higher Or Lower

Tax Bracket Tax Bracket When You When You

Retire?Retire?

If Taxes Will Be The Same If Taxes Will Be The Same Or Higher In The Future…Or Higher In The Future…

Why Do We Keep Putting Why Do We Keep Putting Money Hand Over Fist into Money Hand Over Fist into 401k’s, IRA’s, 403b’s Etc...?401k’s, IRA’s, 403b’s Etc...?

Let Me Put It Another Way…Let Me Put It Another Way…If You Were A Farmer…If You Were A Farmer…

Would You Rather Pay Tax On Would You Rather Pay Tax On The Seed… Or The Harvest?The Seed… Or The Harvest?

Pay Tax on the seed now… and Pay Tax on the seed now… and get all the corn TAX FREE!!!get all the corn TAX FREE!!!

More ‘Smart Money’ MovesMore ‘Smart Money’ Moves……Now Imagine What Could Happen, If Now Imagine What Could Happen, If

You Could Find More Money To You Could Find More Money To Eliminate Your Debts and Put Into Eliminate Your Debts and Put Into Savings, By…Savings, By…

Increasing the Deductibles On Your Home Increasing the Deductibles On Your Home Owners Insurance, Auto Insurance, Health Owners Insurance, Auto Insurance, Health Insurance, Disability Insurance, etc…Insurance, Disability Insurance, etc…

Re-positioning Your Assets And Income To Re-positioning Your Assets And Income To Qualify For Qualify For FreeFree College Financial Aid College Financial Aid Money… Money…

Taking Advantage Of The Taking Advantage Of The FreeFree Money In A Money In A 401K… 401K…

Reducing Your Income Taxes…Reducing Your Income Taxes…

And, It Gets Even Better…And, It Gets Even Better…

How Much Better Off Would You Be?How Much Better Off Would You Be?

Become Your Own Banker!Become Your Own Banker!

How About The Next Time You Decide How About The Next Time You Decide To Buy A Car, Make A Major Purchase or To Buy A Car, Make A Major Purchase or Need Money For A Business Need Money For A Business Opportunity! Opportunity!

You Borrow The Money From Yourself You Borrow The Money From Yourself Instead Of A Bank!Instead Of A Bank!

Then You Pay Yourself The Principal And Then You Pay Yourself The Principal And Interest You Would Have Paid The Bank!Interest You Would Have Paid The Bank!

The ‘The ‘Living Debt Free Living Debt Free And Truly Wealthy’And Truly Wealthy’ Program Is Program Is

Ideal For…Ideal For… People With Heavy Consumer Debt…People With Heavy Consumer Debt… People Who Are Concerned About Funding People Who Are Concerned About Funding

Their Retirement…Their Retirement… Families Who Are Concerned About Funding Families Who Are Concerned About Funding

College And Qualifying For Financial Aid…College And Qualifying For Financial Aid… Commissioned and Self Employed People…Commissioned and Self Employed People… People Who Want The Better Things In People Who Want The Better Things In

Life…Life…

Best Of All, Best Of All, With Proper PlanningWith Proper Planning

And Guidance…And Guidance…

All Of This Can Generally Be Accomplished Without You

Spending A Penny More Than You Are Spending

Today!

Is It Worth 40 Minutes Of Your Is It Worth 40 Minutes Of Your Time To See If You Can…Time To See If You Can…

Reduce or Eliminate Your Debt!Reduce or Eliminate Your Debt!

Reduce Your Income Taxes!Reduce Your Income Taxes!

Increase Your Savings!Increase Your Savings!

And And

Have The Better Things In Life!Have The Better Things In Life!

So, What’s The Next Step?So, What’s The Next Step?

It All Starts With A Plan…It All Starts With A Plan…

Remember… Remember…

It wasn’t raining when It wasn’t raining when Noah built the Ark.Noah built the Ark.

““Helping people to live debt Helping people to live debt free and truly wealthy.”free and truly wealthy.”

What If Your Savings Vehicle…What If Your Savings Vehicle… Could Reap the Upside Potential Of The Stock Could Reap the Upside Potential Of The Stock

Market, Without The Downside Risk!Market, Without The Downside Risk! Guaranteed Your Investment Principal!Guaranteed Your Investment Principal! Had A Minimum Interest Rate Guarantee!Had A Minimum Interest Rate Guarantee! Offered Tax Deferred Growth! Offered Tax Deferred Growth! Had No Early Withdrawal Penalties!Had No Early Withdrawal Penalties! Had Tax Free Access!Had Tax Free Access! Could Pay Off The Mortgage If You or Your Could Pay Off The Mortgage If You or Your

Spouse Died!Spouse Died! Was Self Completing If You Became Disabled! Was Self Completing If You Became Disabled!