Can I Sign Hawaii Banking Presentation

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right now we have a serious problem and that problem is there is an asset that exists that every single person in the united states has heard of but very few of us truly understand now most of you are probably watching this recording because you want more out of life you want more money more control more time more options more freedom and what i'm about to show you is not a career for me it's not a job now i do own my own business which is factum financial but this is not even a business for me what i'm about to show you i consider my calling in life and i will literally teach it until the day i die it is that important for me and it's because i am all about family and i have watched this process set my family free over the last six and a half years since i learned this process and when you see it for what it is you will realize that the wealthiest families in the world operate very uh differently than we do at the middle class level so part of my wealth journey led me into studying wealthy families and eventually i got up to the wealthiest families because i was always fascinated about money and i wanted to learn about money but the issue with that is they don't teach that topic in high school or college you cannot go learn about money they do not offer a course and i am convinced that that is not a coincidence there's a reason why they don't offer courses on interest rates taxes uh credit cards things of this nature in our traditional school system and so when i started studying these wealthy families they i learned that they were operating very backwards exactly in fact they operate exactly opposite that the way we've been taught to do things at the middle class level now my wealth journey started out with three books now the first one my father recommended to me when i was 16 years old is rich dad poor dad now this is the number one best-selling finance book of all time written by robert kiyosaki who i absolutely love and in this book this book helped me change my mindset about money and he tells his story in there about his poor dad which was his real dad um on the island of hawaii he was very high up in the public educational school system and then he had his best buddy mike and mike's dad was one of the wealthiest men in hawaii and he was hearing different things from his rich dad from anna's poor dad in fact they were teaching him to do things exactly opposite of each other and so that one if if you want to learn about money that is a must read now the next one i came across i read six months before i got married and it changed everything for me and that was the book the richest man in babylon and this book is so simple but so profound and in this book it talks about a gentleman that had absolutely nothing he started with nothing in fact he was negative he owed people money and by following a few simple strategies on how much of his money to save he was able to become one of the richest men in babylon now the last book and the one i'm going to be talking about is becoming your own banker written by nelson nash and this book was significant to me because it taught me where to save my money and there is an asset that you have definitely heard of that you do not understand now the wealthy elites understand this asset and it's why they park lots of their savings there but at the middle class level we're taught to avoid this thing like the plague now a common theme you're going to get from all these books which i absolutely love and this one comes from the richest man in babylon it says a part of all you earn is yours to keep now different people have different interpretations of that dave ramsey tony robbins a lot of those guys will will call it pay yourself first or make yourself an expense you need to whatever you're earning actively or passively a portion of that needs to be set aside just for you for growing purposes if you cannot beat that nelson nash calls that parkinson's law or human behavior if you can't master that human behavior you really have no shot at building and sustaining wealth just give up now you have no hope so if you can start there which is the most important part of building wealth is that number one rule which is pay yourself first now robert kiyosaki had a wonderful quote and he said everyone has the ability to build a financial arc to survive and flourish in the future but you must invest time in your financial education to build an ark with a solid foundation what i'm going to be showing you is a foundational asset it is meant to grow very consistently and to protect you from uncertainty and loss now one of the things he says in here that i really want to touch on is you've got to invest time in your financial education that part is huge and it's why our company is so centered around educational we are not a salesy company we do not ask people to purchase things we educate until you understand what's going on and that's when you will make a decision for you and your family now we are not money managers here at factum we want to empower you and give you all the tools and education so that you can take ownership for your family for your business because you're more than capable of doing it now right now in america there are two movies playing and the vastly popular sold out there is a line around the corner and it stretches for miles down the road you've never seen people line up to see a movie like this and the title of this movie is a reassuring lie and the plot of this movie is creating wealth is complicated so you need to give up control of your money and give it to a professional let him manage it and let it sit in account for 20 to 30 years and after that time period you're going to be able to retire like you've always dreamed and the problem is people are not retiring in a dream they're waking up in a nightmare and most of them have to go back to work and it's because that strategy of you're young the market just crashed don't wait it'll come back don't wait it'll rebound it's okay it'll rebound they keep telling you this and every seven to ten years we see a market shift or a market crash and they say the same thing just hold on you're in it for the long haul you'll recover they cannot keep telling you that what happens when you're 60 years old and you're not young you can't recover see that is not a strategy for building wealth and the people who are making the money in that strategy are the ones managing the account they're not the consumer now at the exact same time there is a movie called an inconvenient truth now you can walk right into this movie there's very few of us in here and the plot of this movie is that you have to take ownership and develop yourself and increase your financial education and if you will do that and learn how to save your money automatically and then invest it very intentionally which is the exact opposite that wall street has us convinced they want you to save and invest automatically okay and that's why people lose so much money so much money in that strategy and so if you will learn how to just take ownership and increase your financial iq and learn how to implement some of the strategies that the wealthy elites do we can give most people a 10 to 15 year plan for them to become financially free what do i mean by that i mean that your passive income money that you're not actively working for is higher than your monthly expenses so when that happens you do not have to work anymore now some people love that for me i have eliminated the word retirement for my vocabulary i will not use it i will never retire because i told you at the beginning this is a calling for me i will teach this process in some form or another until the day i die now we can help most people with that 10 to 15 year plan to become financially free we can help them do it with something that wall street and banks can never give you which is certainty now let's assume we're gonna go to some financial seminar that we were invited to so we show up and uh we come into the main event and we notice there's three keynote speakers and we come to learn that they're all speaking at the exact same time and there's three different rooms they're speaking in so we can only select one and so we go up to room number one and we look at some of the info about the speaker and it doesn't give us much we don't know if they're male or female we don't know what kind of business they're in we don't even know what they're going to be talking about the only thing that we know about the individual is they have a net worth of one hundred thousand dollars now room two same exact scenario we don't know anything about the individual what they're talking about what business they're in the only thing it says is the individual has a net worth of one million dollars and in room three the individual has a net worth of one billion dollars now if you're anything like me we're going right into room three we don't have to think too much about it now that's a very easy question for people to answer and ask yourself why is that why is it so easy to go listen to the billionaire speak as opposed to a millionaire or someone worth a hundred thousand dollars and it's because a billionaire has something we don't have or very few of us have and so therefore we think they probably know something we don't know and we want to know and figure out what that is and so this led me into studying the wealthiest companies in the world which are commercial banks now this was bank of america i think in now what you'll notice is they took in 900 billion dollars of deposits now who put that money there you and i did and we were happy to do it most people love depositing money in the bank we get paid some of us do it electronically so it's instant we put the money in the bank so that it's liquid and we can have access to it now they at the time the savings rate was three four percent so they paid three billion dollars to us in interest but in fees alone the banks made almost 50 billion dollars now a bank does not make their money off of fees they make it by making loans so this isn't even their bread and butter but you can see that that's a 1600 spread and none of it was their own money see you could not show me a better business plan than that where people run to bring you their money and then you can just charge them in fees and make 50 billion dollars a year and this isn't even how they really make their money and so i started studying these companies and i had a question and the question was they have encouraged us to put our savings into a cd mutual funds checking or savings account but i said if the banks are making all this money where do the banks keep their savings they got to keep it somewhere and if you've ever been inside a bank and uh they've had the vault open you can kind of peek back there what you'll notice is there's no cash they don't keep anything in there i mean it's all digital today but you get the point i'm trying to make see the bank does not leave their money there they put it in something called tier one capital and tier one capital represents a bank's equity in reserves it's the core capital that is the measure of a bank's financial strength as well as its protection against the risks it takes now this represents the highest quality capital that from a regulator's point of view is absolutely essential to the health of a bank this is their most precious form of capital is this tier one capital now banks retail financial products such as checking accounts savings accounts cds credit cards mutual funds and mortgages but if you walk into a bank and try to put your money where they put a lot of theirs they will not be able to help you and why because they do not sell the same financial asset that they use to protect themselves from unexpected loss hold and grow their cash reserves prepare for an unpredictable future avoid taxes on gains and windfalls keep pace with rising costs fund employee benefit programs see the banks are putting their savings in something called tier one capital we've been taught to just leave it with them now this slide came from a colleague of mine her name is kim butler she is one of the absolute best in my industry and she is part of a group called prosperity economics movement and i would highly recommend her and so this was an article i got off one of her blogs that she wrote she's one of the most knowledgeable and professional in the industry she has several books out there that i'd highly encourage you to go and read so if you are looking into this process of infinite banking kim butler is one of the best in the business now in nelson nash's book becoming your own banker he has a quote by the by a man named will rogers and he said the problem in america isn't so much what people don't know the problem is what people think they know that just ain't so and this is why we're talking about becoming your own banker because there is an asset that exists that you have definitely heard of that you've never understood now on the very first page of nelson nash's book this is what he says becoming your own banker the infinite banking concept is a text for a 10 hour course of instruction so i'm going to be going over this 40 45 minute presentation most people need about 10 hours of exposure to this concept before all the light bulbs come on now that's why i recorded my course that's why we do live events and so what i encourage people to do is watch this video read nelson nash's book go through some more of our content on youtube and really educate yourself because i'm trying to condense 10 hours worth of needed education into about 40 to 45 minutes so we're going pretty quick so 10 hours of instruction about the power of dividend paying whole life insurance that's what i'm going to be talking about that is the asset that you've definitely heard of that you do not understand now as soon as i mention the words whole life insurance at least 50 percent of the people that i come across their eyeballs roll back as far as they can go in their head and they say oh my gosh i can't believe i just came to this event or i'm watching this video about whole life insurance doesn't everybody know that whole life is the worst investment it's got a low rate of return and it's so expensive those are the three things you hear about whole life they are all false those are money myths and you've been completely duped you've been misled on the very next column on this page this is still the first page of his book nelson says this book is not about investments of any kind it is about how one finances the things of life which can certainly include investments it is not about rates of return so you just learn something very significant about whole life insurance a whole life insurance policy is not an investment grade vehicle i'm going to say that again a whole life policy is not an investment if you look at how this thing works and functions you will understand it has more in common with your everyday checking and savings account then it does some type of investment grade vehicle so after you're done with this video and you talk to your neighbor your business partner your the matriarch or patriarch or your family or your buddy who you trust about money who doesn't have any money when you go and talk to those people and you say what do you what do you know about whole life oh that is the worst investment ever as soon as you hear the words investment and whole life in the same sentence a red flag should be going up in your head because now you know they don't know anything about this asset because they can't even classify it right now here are a few people who do know about this asset and have purchased it in large quantities plus at least 54 other current elected officials that we know of here's a few companies that love and own this type of asset but really none of that even holds a candle compared to the big boys see banks are the wealthiest companies in the world by a significant amount they don't really care for you to know that they try to stay somewhat private about it and they also happen to be the largest purchasers of whole life insurance on the planet they buy in such large quantities they have their own name for it's called bank owned life insurance n w these are the amounts in cash reserves that they hold inside these insurance policies notice what i said cash reserves inside the insurance policies see people here whole life may think oh death benefit the banks your whole life and they say cash reserves okay these are cash liquid savings accounts this is how much they have in just reserves so we just learned something about banks two things according to what we know at the middle class level the banks are incredibly stupid for buying this much of that asset or we just learned they might know something about it that we don't know and it is absolutely the latter now this is an article um from barry dyke and he has this information in his book the pirates of manhattan i would highly recommend you pick up that book it is astonishing information in there and as far as i'm concerned he's done more research and investigation into where these billion dollar hedge fund managers fortune 500 companies and the big banks store their cash which is the exact place the exact opposite place they've been telling the middle class to put theirs so what he says is attaches irrefutable evidence that high cash value life insurance for banks known as boli is still a major and vital asset on the bank's balance sheets right here highlighted in green he says during the financial crisis and even today the life insurance accounts were perhaps the only place the banks did not lose money so you just learned something very important about whole life it cannot lose money it is completely protected he goes on to say in addition all of these banks have more invested in high cash value life insurance than they do in their defined benefit pensions think about that for a second these banks have more in their insurance policies than their own retirement vehicles he says as you know high cash value life insurance has proven to be an exemplary financial instrument for banks even though the media fails to acknowledge these facts now that part i don't really agree with because the media always has the most in the highest integrity and they never lead us astray he says i could go into more detail but the gist is that banks are still the biggest buyers of high cash value life insurance because they completely understand the economic benefits they receive from life insurance companies okay pay close attention to this part because at the middle class level we hear whole life is a terrible investment it's got a low rate of return and it's expensive that's how we hear it being described at our level but the billionaires the wealthiest companies in the world here's how they describe this asset they get professional money management tax deferrals unmatched stability high non-correlated returns meaning not attached to the stock market improvements to the income statement and unsurpassed liquidity in the event of a financial crisis it's a little bit different than how we've heard it being described now if you and i were to sit down together and put our heads together we said hey let's let's create this perfect asset let's just build it in our minds and let's just create it what would be some of the attributes it would have it would definitely be liquid it would be tax-free it'd have a really good track record it'd have a high rate of return these are things we would come up with and it would almost sound exactly like what i just read off see the banks understand the full economic benefits and at the middle class level we've just listened to the noise and we've just dismissed it we've never gone and actually done the research and looked into who's buying it and why one of the additional reasons why this asset is so appealing is because it comes with something called a flexible loan provision now you will never hear people talk about this part of whole life all you hear is it's expensive higher you know expensive low rate of return terrible investment now this flexible loan provision as you're saving notice my words we're not investing into these policies we're saving money into the policies when that accumulates cash you can borrow from the insurance company against that cash so if you've saved up a hundred thousand dollars or ten thousand dollars in that policy you can start borrowing against that from the insurance company now you can get access to that money without having to qualify for it without paying penalties and taxes so there's there's no fees to use this money without waiting until you're dead excuse me 59 and a half that was a joke but if you're waiting till you're 60 years old to use your money you are giving up a lot of opportunity and the guys that have control of your money they're making the killing and you will get the scraps so we've got to start using our money right now you can get access to it without having someone else determine your repayment schedule see when you access this flexible loan provision it means you can you can build a private line of credit um that's completely private and you get to set up the amortization schedule think about how huge that is as a business owner this is one of my most favorite parts about this policy is if you're in a in a recession or in a pandemic time period and you can't get access to cash but you've got private loans out you get to control those repayment schedules nobody else it's it's yours so you can tweak things however you need to adjust for your cash flow needs now you can get access to that money without proving it's for an allowable reason you can use this money for whatever you want the insurance companies not even going to ask you what you're using it for it's not like a qualified plan where they want to know well if you're going to borrow money from this what are you going to use it for none of that happens it's completely private you can get access to it without wondering if the loan will be approved and my personal favorite without interrupting the compounding of your money now this is what nelson nash refers to in his book as the problem and i am convinced that it is because people do not understand what the problem is and it's why most of us will work so hard in our life and we will never get ahead and it's because we've been playing the money game at a severe disadvantage so if you can understand the problem the solution will be so clear to you but if you cannot address and see the problem in your own life no solution is going to make sense for you not even this if you cannot identify this and it's why we spend so much time on this part of infinite banking because this is the most important part hopefully i'm making myself clear in nelson's book on pages 12 and 21 he says something in there it's very significant he says that you finance everything in life and what he means by that is he says all items in your budget are financed either by credit cards or bank loans the balance is financed by paying cash thus giving up interest that could be earned otherwise and the issue is all of those items are financed by other banking organizations see we've been taught to never borrow money from a financial institution because there's interest payments correct so what did my father teach me to pay cash and why did he teach me that because his father taught him to pay cash the reason we were taught to pay cash is i don't want to pay anyone interest so we save up and we use our own capital to make the purchase but nobody ever sat us down and talked to us about the interest cost to your money see the interest cost is what you could have earned on it if you didn't use your own cash if you would have leveraged someone else's money and we should be a hundred times more concerned about the interest cost than an interest payment so in order to really drive this concept home this for me is the easiest way for people to learn what's going on inside your policy when you use this loan provision and how powerful that interest cost is when you can see it versus the interest payment which is where we've been typically had our focus okay so let's assume here on the bottom left we've got fifty thousand dollars saved up okay not invested we've got it saved inside our insurance policy so when uh whatever cash value have in your policy the insurance company will let you borrow against that so in this case we're going to call up the insurance company and say i would like a 50 000 loan they're going to look at your account value and say of course he's got 50 grand in there it's no big deal do you want to electronically deposit or do you want a physical check that's really the only things they ask you you sign one form and you'll have your money now let's assume we're gonna pay the interest the insurance company five percent let's just do a vehicle and we're going to finance that for 60 months so that means hey we're gonna make a monthly payment of 943.56 back to the insurance company so we're going to put in 9 43 56 for 60 months so this is why we've been taught and this is why we hate interest payments see the vehicle we purchased was 50 grand but over 60 months we paid 56 600 for it fifty you know sixty six hundred dollars of interest that's why we pay cash because why would you pay anyone sixty six hundred dollars extra if you could have just used your own capital but no one ever taught us about the interest cost so let's look at that inside the policies they have a a guaranteed growth rate now the easiest way for me to describe how that's earning which it is a little bit complicated is to call it a four percent guaranteed rate of return this is a very standard number that people use and you're going to hear it all the time oh whole life's got the low rate of return it only earns four percent a year now the reason they say that is because they don't really understand this interest rate because this four percent growth rate is a true net number it's net of fees taxes and commissions so when you are able to factor that which i do know how to calculate that that's like earning an eight percent return every single year in the clock in the stock market in a guaranteed contract so people that are telling you that have no idea how powerful that four percent net growth rate is and remember this is not an investment grade vehicle it's a savings vehicle so you compare that to what it actually is a checking or savings account you'll realize your the savings rate inside your policy is 300 to 800 percent higher than what it is in a bank when you see it for what it is it absolutely blows you away so we've got 50 000 in our policy earning 4 percent and this calculator is going to show us the total interest cost for how many years so in this case let's just do five years or sixty months which is the same time we we pay back the loan to the insurance company so look at that over the exact same time period our policy grew to 61 000 but we paid 56 000 for the for the vehicle so let me ask you this question if we paid 56 hundred for the vehicle but at the exact same time we earned sixty one thousand dollars in a guaranteed contract how much did that vehicle just cost you your family or your business see you actually got everything back principal and interest plus you made a profit now what i just showed you is how to play the money game at a serious advantage because we're not giving up our own money we're continually earning interest on it we were able to recoup a hundred percent of the cost of that vehicle now that interest cost does not run out in five years so that fifty thousand dollars that we saved up into the policy at four percent over this is this calculator is going to calculate the total interest cost over a lifetime for me i'm 31 years old right now realistically i should live another 70 years based off of current mortality tables that's 840 months look at that number see it's not just the interest payment but the interest cost and it's not just over five years it's over your entire life that one financial decision will yield me right around eight hundred thousand dollars in opportunity cost that's what's kept inside my family inside my business always working for me now in nelson's book he he's he says in there on page 25 that it'll take the average person 20 to 25 years to be able to finance everything they do in a given year now we can help you do that a lot quicker we have clients that are doing it in well under 10 years but think about that this one financial decision this one vehicle was an 800 000 difference for me and my family over a lifetime imagine if you were keeping everything you do your vacations college education uh your charitable donations your there's a lot that can go into this um and you can earn interest on all of that at the exact same time now this is a quote from albert einstein i just want to reiterate the point we just made is and he says carry around the knowledge that everything you buy is not only costing you the face value of the product but also what you could earn with that money for the rest of your life this is the problem the problem is we finance everything in life and if you'll just learn how to change your mindset and start thinking like a banker you're going to be able to play the money game with some serious advantages now i want you to ask yourself this question how many cars have you owned and driven since you started driving your answer might be 5 10 15 whatever it is now ask yourself out of all those cars that you've owned and driven how much money do you have left over currently and your answer is zero i'm just going to help you with the with the number okay all of our answers were zero why is that because we've only been taught to finance money with a bank or pay cash either way the money is transferred away from the family we give up the interest cost and we have nothing except the value of the last vehicle that's it so what i'm going to show you is a real life example this is exactly how we design policies and if you'll just do this we'll show you how to recapture a hundred percent of the vehicles get every single dollar back principle and interest for all the vehicles you're going to drive now until the day you die now rule number one of this system is you gotta pay yourself first standard and in this case we're gonna be paying ourselves ten thousand dollars a year now notice in the very first year there's 5 800 in cash how the heck did we get so much cash inside that insurance policy so quickly because another misconception about whole life that exists is oh it's a terrible place to put money because it doesn't generate any cash for three to four years how are we able to get so much cash into that policy in the first year and that comes down to policy design you've got to work with someone that knows how to design these policies per the irs guidelines see the irs has something called a mech guideline that stands for modified endowment contract and what that says is the irs has a limit on how much of your after-tax dollars can be put into one of these insurance contracts so we put as much cash in there per the irs guidelines in order to make this happen now let me repeat this in case you missed it the irs has a limit on how much of your after tax dollars can go into one of these policies now when i hear that statement what i comprehend from it is this if the irs tells me hey with your after tax dollars you can only put so many of them into this asset i'm pretty sure they just told me where to put as much of my money as possible and yet because there's such a lack of financial literacy out there people are just financially illiterate not ignorant okay illiterate meaning they don't know what they don't know when i share this with someone i say the irs has a limit on how much of your after tax dollars can go into one of these insurance contracts they say okay that's great what's the minimum i can put in and i kind of just stare at them blankly and i'm like did you not just hear the same thing i heard the irs only lets you put so much of your after tax dollars into this shouldn't you be asking how much can we put in and how quickly do you see what i'm saying this concept is not difficult it's actually incredibly simple who's buying it the wealthiest companies in the world and the irs has a limit on how much of your money can go into it after tax it you don't have o over complicate this so we're going to put in 10 000 a year and and push as much cash into this policy as possible and so in the first seven years we put in 70 000 now rule number two of being a banker is you gotta pay yourself interest see you're becoming two people in the money game you're still a consumer but now you're also a banker and so when you use your banking system you have to treat it properly rule number two is pay yourself interest so in this case we're gonna go buy a fifteen thousand dollar car in the third year and we're gonna pay ourselves back three thousand dollars um or three hundred dollars a month for five years so thirty six hundred dollars a year for five years so let's look at the first seven years of this system we put in seventy thousand dollars of deposits we call this the capitalization period you've gotta get your banking system up and running so you can start leveraging it all right and then we put in eighteen thousand dollars of loan repayments that's a total of eighty eight grand but we took out a fifteen thousand dollar loan so our true net injection is seventy three thousand dollars how much do we have left in our account at the end of that seventh year sixty five thousand rule number three is learn how to recapture money and recapture debt not just paid off see if you take 65 and divide it by 73 you're going to get the number 0.9 so what we just proved to you is we just got back 90 cents of every dollar on that first vehicle now think back to your question your your answer about vehicles before if you've driven 5 10 or 15 you've got nothing to show for it right now that's hundreds of thousands of dollars most likely and in this first vehicle we already got 90 cents back that is phenomenal and this is the worst the system's ever going to be so now this is the bottom of the first page so we're going to continue on we're in year eight now now notice there's no more deposits being made into this system i would never encourage someone to do it this way the only reason i'm illustrating this is really a worst case scenario that if you'll just get your policy capitalized properly you could stop making deposits you could do this and then just borrowing from it and paying it back with interest and you'll watch this system grow okay so we really do this to isolate how powerful the loan is within your own banking function but also to show you this is absolutely worst case scenario so we've got 65 000 in our cash savings account right this is our new savings account we're gonna take a twenty thousand dollar loan and we're gonna pay ourselves back four hundred dollars a month for five years so we took out twenty and we paid back twenty four over five years so the net injection was four thousand took out twenty put back twenty four four thousand dollars out of pocket our savings account grew from sixty five to eighty one or sixteen thousand dollars of growth that is a four hundred and ten percent return see the average bank right now is making between four hundred and almost two thousand percent a year just on their loans okay that's really where they make their money now we're buying the same asset the banks are buying and we're moving our money the same way they're moving theirs now we've got 81 000 we're going to take out 25 000 and we're going to pay back 30 000 over five years five thousand dollar net injection our account grew from 81 to 103. that's a 21 000 increase that's a 430 percent return see and it's it's things like this that you're able to do as a banker and it's why you know people could not pay me to go into the stock market again because i can control every aspect of this system and get these types of returns like clockwork and this is what it starts to look like buying vehicles or financing everything this compounding curve the more you use your system the higher that curve will become so let's do a recap this is over one lifetime we put in thousand dollars initially in deposits and then we financed twelve cars we did one at fifteen one at twenty one at twenty five and in this case i did nine more at thirty thousand dollars that's a total of 396 thousand so we're in it 466 grand but we took out 330 000 for loans so our total net injection is 136 thousand dollars but our cash value at the end of that time period is almost eight hundred thousand dollars how did we do just driving cars just making car payments now remember this is one of the most inefficient ways to fund this policy and we showed using this system buying a depreciating asset which is a vehicle what do you think happens if you were to instead fund this policy properly keep making deposits into your banking system so you always have additional cash to use but then what if you use the cash value to purchase something that appreciates every single year and produces cash flow for you now i'm talking about real estate and it's why we have real estate partners when you couple this process that i just showed you with real estate that is how we're able to show most people how to become financially free in a 10 to 15 year time period and we can do it with certainty now this is whole life insurance and there was a death benefit in this policy building and growing every single year now that's what you're going to leave to your beneficiaries tax free so we were able to create all this wealth just doing something we were going to do anyways and then we were able to leave our family a legacy at the exact same time think about how powerful this is and now that you know about this asset it's really time to start educating yourself and increasing your financial iq so that you can learn even more so what i want you to do send me an email if this is intriguing to you email me and put in the subject line i want additional info i'm going to email you a few things i'm going to send you two videos to watch one is proving to you that that four percent rate of return inside the policy is the equivalent of an eight percent return in the stock market every year and then i'm gonna show you what this system looks like if you purchase real estate with it and then i'm gonna send you two articles to read the first is going to answer the question that everyone has you know i've heard whole life is an expensive asset to own there's high high fees blah blah blah it's all false i'm going to send you an article that proves that and then i'm going to send you another article for the most commonly asked question we get which is why doesn't everyone know about this i really appreciate you going through my video and taking the time to learn about this factum is here to serve you your family and your business we're going to add as much value as we possibly can in any way we can and so reach out to us once you've gone through some more additional info and let's have a chat about how we can make this work for you and your family