More than half of the American population (56 percent) lives “paycheck to paycheck”. According to American Journal of Public Health 66.5 percent of all bankruptcies were driven by medical problems. The findings indicate each year 530,000 families suffer bankruptcies are linked to illness or medical bills. With the medical breakthrough in 2020, people are living much longer now. According to data from the Insured Retirement Institute in 2019, 45 percent of baby boomers are surveyed had no savings. They may have turned to their retirements to fund needs before retirement, leaving them with little or nothing to live on later - a big problem. Shockingly, 95 percent of the people didn’t know there is a way out. That’s the reason why this book has been written.

What this book can offer is to turn these depressed situations around with simple and easy steps. All you need are some commitments and sacrifices. When you work hard on money, the money will work hard for you. The sooner the better, the younger the cheaper. I have demonstrated in chapter two of this book on how to prepare your newborn babies to become millionaires soon after you made them. I know you must be thinking about what kind of drugs am I taking. Well, read on....

We all know one can make big money on real estate, Bitcoins, or the stock market “if” you know when to buy or when to sell or if you have enough holding power.

Warren Buffett’s Golden Rule:

• Rule number one is never lose money.
• Rule number two is never forget rule number one.

In this book, you will discover:

• What “living benefits” is
• What “life insurance you don’t have to die to use” is
• Where to put your money besides the bank
• How wealthy people avoid taxes
• The secrets and shortcuts to retire early
• The power of compound interests
• They key is not how much you've earned, but how much you can keep
• How to pay off your mortgage in a smart way
• Why IUL (indexed universal life) is the Swiss army knife of life insurance
• All strategies are straight on point, no beating around the bush