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1. Guaranteed retirement income is the name of the game. I
think the financial industry has done their best to destroy
trillions of dollars of wealth for a commission. I am fine
with people getting paid for rendered services but there
should be no fees in a loss market situation. We need to
be thinking about preserving our capital as well as
building it and NOT gambling our future away.

2. Why is this important to me?

3. I always want to ask this question as if I am sitting in your
shoes. I don't want to waste your time. How are you doing
in your retirement? Have you made money in the last
three years or are you still in a rebound from the 40%
haircut that Wall Street provided in typical 401K plans?

4. The great housing burst was partially created by
derivatives. Perhaps 100 people actually understand these
instruments. Our economy was on the verge of collapse
because traders needed to get their year end bonus.
Selling financial instruments that can take down a banking
institution with a simple 3% price movement is not the
smartest way to go. Lehman Brothers, Bear Stearns and
Merrill Lynch all proved this in 2008. Traders leveraged
billions of dollars for millions in commission. I guess you
need to go to Harvard or MIT to understand these trades
but the math does not look to smart even to a 3rd grader.

5. Safe Money Millionaire is a good book that you need to
read if you are interested in having a retirement. Rule #1
simply states don't lose money and Rule #2 states - don't
forget Rule # 1. This book adheres to these rules.

6. Safe Money Millionaire is a quick read that covers several
topics. For the sake of time, I will cover three key
takeaways. The end goal is financial freedom and
independence.

7. 1. Breakup with Wall Street - If you invest strictly for Rates
of Return then you are doomed. This is a one dimensional
approach that does not work for the masses. Wall Street
pitches investment advice 24x7. This is designed to attract
sheep. Cramer from Mad Money recommended viewers
purchase CIT Group because it was primed for an uptick.
Four weeks later CIT filed for bankruptcy. This type of
advice is seen all over the place. You are encouraged to
buy Mutual Funds that have a high past performance. If
you really think about this you are being encouraged to
buy at a high price. To make money you need to buy low
and sell high. Gambling is a sure way to financial ruin. You
need to take your financial education into your own
hands. You need to guarantee your principle and your rate
of return. The key word here is guaranteed.

8. 2. Pay Taxes on the Seed or the Crop - Farmers are allowed
to either pay taxes on the seed or the crop. Which would
you rather do? If you said pay on the seed then you are
correct but this also blows your 401K logic out of the
water. When you pay seed or basically invest in after tax
dollars, you are locking in your future because you know
exactly how much money you will receive back. If you
decide to pay on the crop then it is not guaranteed how
much you will pay because most likely the tax rate will be
higher. To be a Safe Money Millionaire, you need to pay on
the seed not the crop.

9. 3. Financing Yourself to Wealth - This does not mean
leverage yourself to the hilt with bank debt. Financing
yourself to wealth means creating your own bank and
then using your money efficiently to become wealthy.
Why did Willie Sutton rob banks? Because that is where
the money is. This strategy is one of the strongest I have
seen and using the Infinite Banking Concept with a long
term approach will absolutely secure your future.

10. Safe Money Millionaire is another book that highlights the
Infinite Banking Concept and debunks traditional
investment advice. In the book the authors quote Suze
Orman. When asked what she invests in, she says: "I save
it and build it in municipal bonds. I buy zero-coupon bonds
and all the bonds I buy are triple-A-rated, and insured so
even in the city goes under, I get my money." When asked
about playing the market, she says, "I have a million in the
stock market, because if I lose it, I personally don't care."
These statements are powerful because she invests in
guarantee returns. The bond market is NOT the stock
market.

11. I hope you have found this short summary useful. The key
to any new idea is to work it into your daily routine until it
becomes habit. Habits form in as little as 21 days. One
thing you can take away from this book is Rule #1- Don't
Lose Money. Schedule 15 minutes each day to get
educated on guaranteed investments like permanent life
insurance, insured bonds and annuities to jump start your
way to financial freedom. These require education on your
part. When you do that and couple it with the Infinite
Banking concept then not only will you be financial
independent, you will become wealthy.

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