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Building a house on sand.

The typical financial planning advice calls for skipping the first step in a real financial plan: Saving (aka capital accumulation).

Capital is the money value of property that is used to acquire other property.

Savers today are confusing investing for "saving." They skip real saving and jump right into investing in risky Wall Street investments. They hope for a high rate of return on the 10-20% of their income they are "saving."

Meanwhile, the other 80-90% of their income is slipping out of their hands and into the hands of outside financial institutions.

Because they have forgone the capital-accumulation step, when they do need capital, they must go to outside institutions who have it - banks, investors, mortgage lenders, and consumer credit companies.

And it's costing people hundreds of thousands of dollars, or more, over the course of their financial lives.

Someone is benefiting from the use of that capital. It's just not you.

Check out this 30 minute webinar on bullet-proofing your financial life by getting more control and use of that other 80-90%.