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Tips for Keeping Valuables Safe #safety #safetytips #safemoney #safetyfirst #safetytip

Want a #taxfreeretirement income stream? Well you should take a serious look at a max funded #indexeduniversallife plan then! This is a specially designed #cashvaluelifeinsurance policy that has a savings account component. A portion of your premiums pay for the cost of insurance and the rest build cash value. The growth of the cash value can be supercharged by structuring the policy with a minimum death benefit and max funding it. As your cash value accumulates, the insurance company credits interest back into your account value. Your returns average about 5% to 7% without exposure to downside market risk. Then when you're ready to retire, the cash value can be accessed for #taxfree retirement income. Also there are no contribution limits to an IUL so you can stuff away as much cash as you'd like to build tax free wealth! If you want to optimize tax free retirement, comment "money" below and I'll show how an IUL can help! #financialliteracy #compoundinterest #retirementplanning #safemoney #cashflow #wealthymindset

#duet with @Chris Naugle This strategy is called the #beyourownbank concept. Essentially, we use a specially designed #cashvaluelifeinsurance plan as a storage unit for your #money Anytime you need money, you can borrow against your own account with the insurance company. Think of it like a savings account with a line of credit. This allows you to use your money #taxfree while also being able to pass on tax free #generationalwealth when you expire. If you'd like to see how #lifeinsurance can work this way, comment "money" below! #financialliteracy #compoundinterest #retirement #safemoney #infinitebanking #insurance

Why do so many retirees run out of #money in retirement? A shocking amount of people splurge in the first 5 years of their #retirement and then downsize their lifestyle after realizing they're running out of cash. Keep in mind, your retirement savings needs to last the rest of your life if you don't want to go back to work! So if you want to indulge a bit more, you might want to look into an income #annuity Annuities give you a guaranteed lifetime income higher than the conventional safe withdrawal rate of 4%. So you can have more #cashflow without the risk of outliving your savings. Comment "money" below if you're interested in learning how an income annuity can help increase your income! #greenscreen #safemoney #retirementplanning #compoundinterest #lifeinsurance #generationalwealth #wealthymindset

Is the mother of all bubbles about to pop? The US economy is sickly addicted to debt financing. It works so long as the economy grows faster than the debt. But we're past the point of no return. Our debt has not exceeded the size of the entire economy. That's a huge problem. Not only is the excessive levels of debt causing high inflation, it's sucking up a larger portion of the federal budget. Currently interest on the debt is more than the entire defense budget. This could be why Goldman Sachs and Vanguard project a coming economic malaise like the 1970s. A period of stagflation. Of course these political / economic trends affect your #money and #retirement future. Many of my clients are preparing by de-risking some of their wealth. If you don't have a high appetite for market risk, insurance products are perfect for the times we're in. #lifeinsurance and #annuities provide stable, predictable growth without exposing you to market risk. If you're close to retiring or already retired, you might want to take a serious look at rotating out of risk assets and into #safemoney assets. A high #cashvaluelifeinsurance life insurance plan and income #annuity have average yields in the 5% to 7% range. That's better than a money market, bond, or high yield savings, without market risk. Comment "money" below if you're interested in learning more! #greenscreen #financialliteracy #compoundinterest #retirementplanning #indexeduniversallife #generationalwealth

#duet with @caseythedollar How to #beyourownbank with #cashvaluelifeinsurance These are specially designed #lifeinsurance plans that have a savings account component as you pay the premium. A portion of your premiums pay for the policy. The rest of your premiums build cash value, which is like "equity" in your own policy. The cash value can be accessed #taxfree through policy loans. You can borrow against your own funds and while using the cash your #money continues to earn #compoundinterest without interruption. If you want to learn how to do this comment "money" below and I'll show you how it all works! #insurance #wealthymindset #generationalwealth #safemoney #retirementplanning #infinitebanking

Breaking News! A strong jobs report sent the major stock market indexes spiraling today. They were down almost 2% today! The jobs report indicated a stronger economy than expected, meaning the Fed might not cut rates as much in 2025. Wall Street loves low interest rates because it reduces corporate borrowing costs for business expansion. If the Fed doesn't cut as much, rates could stay higher for longer. The Fed is also still concerned about inflation too so they won't cut rates if they don't have to. This could mean 2 things for your #money Sticky inflation and more volatility in the markets. So if you want #safemoney solutions for your savings that outpace inflation, you'll want to look at #cashvaluelifeinsurance These specially designed #lifeinsurance plans have a savings account component that earns #compoundinterest that historically beats inflation. Also your money isn't in stocks so you're not exposed to market risks. 2025 is off to an interesting start! You the old saying on Wall Street, so goes January, so goes the year. Make sure to protect your money if you want to de-risk! Comment "money" below to see how life insurance can help! #financialliteracy #compoundinterest #retirementplanning #beyourownbank #taxfreeretirement

Is the S&P 500 really diversified? The data says no. It's increasingly becoming heavily weighted towards just a handful of megacorp stocks. That means index funds will have higher exposure to risks of loses if one particular company has a bad year. To properly diversify these days, you'll have to be smarter and more creative. You'll likely need a substantial amount of #money outside of the S&P 500. Alternative assets like crypto currency, rental properties, and high #cashvaluelifeinsurance could provide growth that's truly diversified. As a licensed financial professional, I specialize in the #lifeinsurance part. Many of my clients like the tax benefits and the complete protection against market loses. Life insurance #compoundinterest is available #taxfree If the policy is set up right. Since your funds aren't in any market indexes, you don't have all your eggs in one basket. If you're concerned about the growing centralization of the S&P 500 and looking for creative was to diversify, comment "money" below! I'll show you if a life insurance plan could be a good option! #greenscreen #retirementplanning #wealthymindset #cashflow #safemoney #generationalwealth

Replying to @bayapple22 How life insurance loan interest works! Comment "money" below if you want to see how a specially designed life insurance plan can work for you! #financialliteracy #compoundinterest #retirementplanning #safemoney #beyourownbank #infinitebanking #cashvaluelifeinsurance

Replying to @yourtaxfreeguy how should you plan for taxes in #retirement ? Many people will be shocked at how much income tax they'll end up paying. That's because income taxes will likely be much higher in the future. Why? Because taxes are historically low and our national debt is over $36 trillion. The government will desperately need more revenue and soon. So if you're deferring your taxes in an IRA and #401k You could potentially be building a ticking tax time bomb. Many of my clients prefer to pay their taxes now, while they're relatively low. We do that with Roth accounts and high #cashvaluelifeinsurance A specially designed #lifeinsurance plan allows you grow your #money #taxfree and distribute #taxfreeretirement income later. That will prove invaluable when the government raises taxes across the board to pay for all the underfunded programs. If you want to build a tax free retirement strategy and want to see how life insurance can help, comment "money" below and I'll show you how it works! #financialliteracy #compoundinterest #retirementplanning #indexeduniversallife #safemoney

The costs of #longtermcare could create a cycle of poverty as the Boomers age. How is this? The children of the Boomers, Gen X and Millennials, may have to step up financially as nursing homes bleed the boomers dry. As the Boomers age, many find that Medicare doesn't cover their long term care costs later in life. Unfortunately, despite the immense wealth Boomers possess, coming up with extra #money for long term care is too financially taxing. It's hundreds of thousands of dollars. What you should do right now: get #lifeinsurance on your Boomer parents and get some for yourself. But not just any life insurance, specifically #cashvaluelifeinsurance with chronic illness riders. These types of life insurance plans provide a death benefit, but also allow you to pull cash early to pay for long term care should you need it. The Boomers might be the richest generation in American history, but it will all amount to nothing if they don't plan for long term care. If you actually want your family to inherit your money instead of a hospital or nursing home, comment "money" below and I'll show you how these high cash value life insurance plans work! #financialliteracy #compoundinterest #generationalwealth #wealthymindset #taxfreewealth #safemoney #retirementplanning

Replying to @sexylexy699 What ways can the government raises revenue? They can tax you in one of two ways 1. The honest way 2. The dishonest way The honest way is by raising taxes on income or capital gains, or something similar. The dishonest way is by just printing the #money which causes your purchasing power to go down. Our government has chosen money printing and inflation as the primary means to generate revenue. So do you protect your money? By buying assets. The only problem is that this typically leads to asset bubbles and high volatility. If you want to protect your money from taxes and inflation without taking on market risk, you'll want to take a serious look at a max funded #lifeinsurance plan. A high #cashvaluelifeinsurance policy earns #compoundinterest higher than other comparable #safemoney vehicles and your dollars are accessible income #taxfree If the endless money printing and potential for higher income taxes concerns you, comment "money" below and I'll show you how a life insurance policy can help! #financialliteracy #retirementplanning #wealthymindset #beyourownbank

Why I wouldn't max out my #401k ? Mostly for 2 reasons. 1. It ties up your #money until 59 1/2. What if there's a financial emergency or investment opportunity to capitalize on? Tough to do that because you'll pay tax penalties on distributions before 59 1/2. 2. Because your 401k is invested in stocks and bonds, the #retirement #cashflow isn't nearly as much as you'd think! Look up the safe withdrawal rate or 4% rule. You can only safely withdrawal 4% of your money each year without the risk of running out. That means $1 million will only give you about $40,000 / yr of #retirementincome Now, I'd at least get the match because that's free money. After that, I'd save my money in other assets. One of my favorite retirement assets is a properly designed #cashvaluelifeinsurance plan. A max funded #lifeinsurance policy can be used to distribute #taxfree income during retirement at a higher rate than the typical 4% rule. You also have access to your funds before 59 1/2 without tax penalties. If you want to dramatically increase your income without taking on more market risk, a specially designed life insurance plan could be a good fit! Comment "money" below if your interested in learning more! #financialliteracy #compoundinterest #safemoney #generationalwealth #wealthymindset

It's the start of 2025 so let's get your #money right! A shocking number of Americans don't have ANYTHING saved for #retirement If that's the case, you'll likely have to work forever. The average income from Social Security is just $1,900 / m, not really enough to retire off of. Don't wait until it's too late to start #retirementplanning and saving money. Compound interest is your best friend when you start early. The longer you wait, the more compound you give up earning. If you feel behind on retirement saving, comment "money" below and I'll share with you #safemoney #retirementincome solutions! Let's start 2025 off with getting your money right! Do you need to save more for retirement?

#duet with @caseythedollar Here's how an #annuity can help you retire. Annuities are basically like privately funded pension plans. You typically fund them with a lump sum rollover from a IRA or #401k Once funds are inside an annuity, they're guaranteed by the financial institution. You'll never lose #money from a market downturn ever again! If you're close to #retirement with an old IRA or 401k comment "money" below and I'll show you if an annuity will work for you! #financialliteracy #compoundinterest #safemoney #retirementplanning #generationalwealth #lifeinsurance #wealthymindset

How did the Rockefeller family create #generationalwealth and a lasting legacy? It started with good business savvy. After building a business empire, the next question was how to best protect it and pass it down to beneficiaries. Rockefeller pioneered the #infinitebanking concept, using a specially designed #lifeinsurance plan to create his own private family banking system. Rockefeller was concerned about 2 major problems when passing on his business empire: taxes and spendthrift kids. He set up a family trust to own his business assets, which placed restrictions on how funds and assets could be spent by his kids. The #cashvaluelifeinsurance plan functioned as a foundation for the rest of the strategy. The insurance policy was uses as a storage vehicle for his cash reserves. Any time capital was needed for the business, he could "borrow" it against his own reserves and pay himself back, rather than relying on the banks. Meanwhile all his cash continued earning dividends. Then upon Rockefellers' passing, the #money in the insurance policy paid into the trust income #taxfree That's because life insurance enjoys tax privileges that other assets don't. So Rockefeller was able to pass his wealth on income tax free by following the #beyourownbank strategy. The best part? You don't have to be a millionaire or billionaire to do this. Regular Americans have access to these financial tools as well! If you want to create financial independence and break free from the banking system, comment "money" below! I'll show you if a be you own bank life insurance plan will work for you! #financialliteracy #compoundinterest #retirementplanning #safemoney #cashflow #wealthymindset

Will TikTok go away? The honest answer is, I don't know. It's ultimately in the Supreme Court's hands and they didn't seem too compelled by the free speech arguments. I've enjoyed this app since 2021 and made some incredible connections. Most of all, I've used TikTok to help hundreds of people take control of their #money leveraging specially designed #lifeinsurance plans for the #beyourownbank concept and #taxfreeretirement planning. I really hope our government does the right thing and overturn the coming ban, but it's hard to say what will happen. If you want to keep learning #financialliteracy from me, follow me on Instagram just in case! I'm TaxFreeMike on all platforms. #wealthymindset #compoundinterest #taxfree #generationalwealth #infinitebanking #safemoney

Top 3 reasons my clients get #cashvaluelifeinsurance 1. A permanent death benefit. Even if you live until 100, the coverage never goes away. You can also get an advance on your death benefit early for #longtermcare if you need it! 2. Your #money earns compound interest and is available #taxfree for retirement income! 3. Your money is safe! Another big plus. Many of my clients are nervous about the stock market rollercoaster. A #lifeinsurance plan is a true #safemoney vehicle with guarantees that you'll never lose money from market risk. Comment "money" below if you want to see how a cash value life insurance policy can benefit you! #financialliteracy #generationalwealth #wealthymindset #retirementplanning #beyourownbank #smartmoney

Will taxes be higher in the future? Most likely! The national debt is already totally out of control and shows no signs of getting better. In fact, the government is spending $2 trillion more each year than they receive in tax revenue. There will be 2 painful policy changes that have to happen. Spending cuts and tax increases. So if income taxes are higher in the future, how do you protect your #money ? You'll want to save your dollars into accounts that are shielded from income taxes. One of the best resources is #cashvaluelifeinsurance As you put cash into the policy, your money earns #taxfree #compoundinterest and transfers on death income tax free. If you want to hedge yourself against rising income taxes in the future and build a #taxfreeretirement plan, you'll need a max funded #lifeinsurance plan! comment "money" below if you're interested in learning more! #financialliteracy #retirementplanning #wealthymindset #safemoney @Ron Sneller FSCP®, RICP®, RFC®

This 66 year old lady inherits $500,000, but doesn't need the #money She's healthy, has no debt, and covers her living expenses from other sources. So this inheritance is just gravy! Also she has 3 kids and wants #generationalwealth This is a great place to be for #retirement So her question is what to do with all this cash if she doesn't need it to live on and wants to pass it along to her kids. Stocks? CDs? Leave it in the bank? As long as she's healthy, she could drop that cash into high #cashvaluelifeinsurance plan. Why? Well firstly that $500,000 would earn #compoundinterest at a better rate than a CD or leaving it in the bank. The average most of my clients get is around 5% to 7%. But most importantly, the funds grow #taxfree and her kids will inherit the money completely income tax free! That's because proceeds from #lifeinsurance aren't taxed when you pass away. So if she wants to leave it to her kids, the $500,000 can grow over the years, potentially doubling, and be inherited tax free! But what if she does end up needing the money? Maybe when she's older she needs #longtermcare in her 80s or 90s. Many high cash value life insurance plans these days have special provisions in the contract to cover long term care costs. So if for whatever reason she needs the money later, she can access it for herself also tax free. The icing on the cake? Since life insurance isn't invested in stocks or bonds, it's a true #safemoney asset. Her money isn't exposed to market risk! So if you have idle cash and don't know what to do with it, comment "money" below! I'll help you find out if life insurance could be a good fit #financialliteracy #wealthymindset #taxfreeretirement #protectyourmoney

Replying to @johnvazquez260 The #lifeinsurance companies don't directly invest your dollars into markets. A very small percentage of their portfolio is stocks. Most of it is #safemoney cash equivalents. Things like treasuries and triple A bonds. As the insurance company makes #money from selling life insurance and spreads on their cash reserves, they can pay you a direct dividend, or use the spread to buy 1 year call options on the S&P 500. Either option is safe and produces results. If you're interested in setting up a #cashvaluelifeinsurance plan, comment money below and I'll show you how it all works! #financialliteracy #retirementplanning #compoundinterest #smartmoney #generationalwealth #taxfree #taxfreewealth