WHY ARE WE HERE TODAYlivelikeabanker.com/wp-content/uploads/2016/06/5-SMART...2016/06/05 · If you...

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Copyright 2015 Content and Design, Inc.

WHY ARE WE HERE TODAY?

However, it’s very likely you’ve

been working hard to generate

income...

But that income is NOT

transforming into wealth.

Because the idea of Transforming your

Work into Wealth sounds appealing.


But, even working hard and

achieving is not enough without a

wealth-transformation system.

Today, I’m going to show you

what I believe to the best system.

Most of the people who typically attend this webinar

are above-average, hard-working achievers.

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BUT LET’S START WITH YOUR WHY

Undertaking any sustained activity, designed to produce a specific outcome, requires a motivating purpose…a “WHY”.

What’s the purpose(s) for the wealth you

want to create?

WHY do you want to build wealth?


Is it so you can slow down and enjoy the fruits of your labors later in life?

Is it to educate your children?

Is it so you can enjoy more of life’s good things

and experiences now?

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ONLY YOU KNOW WHY

record it on paper, or on your

computer, and post it where

you’ll see it daily.

This will be your persistence power source!

Write it in the chat.


If you don’t find and follow a work-to-wealth

transformation system...

You’ll end up alongside the rest of middle

class America.

But even persistence isn’t enough, if you’re not

persisting at the right thing.

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MIDDLE CLASS AMERICA…

Average inflation-adjusted incomes

have been stagnant or down for

decades.

Average Debt loads are up.

Is being financially squeezed.


ARE THEY FOLLOWING

A SYSTEM?

The other half are pretty much doing

nothing to prepare for their futures.

Canadians use Registered

Retirement Savings Plans.

About half of Americans are “saving” for retirement

in a 401(k), IRA, 403(b) or other qualified plan.

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ARE THESE PLANS WORKING?

CBS News: “The 401(k) Has Failed,

Let’s Admit it”

Forbes: “Why 401(k)s Have

Failed”

NBC News: “The Great 401(k) Experiment Has

Failed for Many Americans”


How do we know?

Because of the results…

IRAs, 403(b)s, and other tax-deferred retirement

plans work the same way and fail the same way as

401(k) plans.

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NATIONAL INSTITUTE ON RETIREMENT

SECURITY STUDY

Americans are:

92% are short of what they’ll need by frightening margins.

$6.8 trillion shy of what they'll need to ever stop working.

Ages 50 to 64 have just $12,000 saved.

Ages 25 to 64 have only $3,000 saved.

45% have nothing saved – zero!


WHAT DOES THIS TELL US?

While Americans will say they expect to be able to retire someday…even early…

Most of them are NOT doing the things that can actually make that possible.

They’re fooling themselves.

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THIS PREDICAMENT IS

SHRINKING THE MIDDLE CLASS

“Middle class Americans now comprise less than

half of the nation’s population, down from 61% in

1971,” according to a recent Pew Research

Center study.


BUT WHERE ARE THEY GOING?

“The share of the population living in the upper-

income tier rose from 14% to 21% over the same

period. Meanwhile, the share in the lower-income

tier increased from 25% to 29%,”

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DID YOU CATCH THAT?

While America’s Middle class is indeed shrinking,

7% have found a way to move into the “upper

income tier,” while only 4% fell into the “lower

income tier.”


WHAT DO THE 7% KNOW?

There’s obviously something

the upwardly-mobile 7%

have figured out that the rest

of the Middle Class either

don’t know or don’t know

how to implement.

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WE HAVE 2 REALITIES

1. Qualified plans and other retirement savings

strategies are abject failures. Most people are not

building wealth for their future.

2. At the same time, some Middle Class people are

not only figuring out how to survive, but how to

thrive in their later years.


THAT’S WHERE WE COME IN

It’s been the same for my partner,

Anthony Manganiello.

It’s what drives us every day.

The financial challenge facing Middle Class

achievers has been my personal burden and

motivation for more than 25 years.

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And how to move into what Pew Research

calls the “upper income tier.”

Over that time, we’ve had the

privilege of helping millions of

people learn how to stabilize

their Middle Class lifestyles…


You’re in the right place.

If you’d like to learn how to

move into the “upper income

tier,” or at least not fall into the

“lower income tier,”

And it doesn’t matter what generation you’re in.

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And you’re neither rich or in poverty.

Millennials, Generation X’ers,

and Baby Boomers.

I believe I have your answers in this webinar.

If you have a job or a business,

and you’re building your life.


BUT LET’S START…

Before I even knew the right

questions…

Before I had answers.

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BACK IN THE DAY…

So, along with some partners, I

built a business that paid me a lot

of money each month.

I lived what I thought was the

American Dream.

I Thought Financial Independence was

a high income.


BUT THEN…

Our sole supplier went out of

business on a Friday.

We were out of business

by Monday.

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THAT SCARED ME…

I eventually did find a job,

but I wasn’t getting ahead.

I felt like a failure…out of

control of my financial future.

All I could do was fight from day to day.


I HAD THOUGHT I WAS BUILDING

A SUCCESSFUL LIFE

But it was a life based on everything going

right.

That weekend I learned that everything

doesn’t always go right.

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I WAS STUCK…

I was just paying for yesterday’s purchases.

I worked hard at my job, but my sins were

catching up to me:

And I had nothing left to put towards

tomorrow.


DURING THAT ORDEAL…

Consumer debt is my enemy!

I learned one of the most important facts

of my financial life:

When I used a bank’s money, I became

THEIR investment…their servant.

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I WAS BUILDING THE BANK’S

WEALTH, NOT MY OWN

When you use borrowed money, the creditor

owns that part of your income for years and

decades into your future.


I BECAME OBSESSED

I felt vulnerable to my creditors.

And I was determined to break free

from their leverage over my life as

quickly as possible.

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SO I BUILT A SYSTEM

Lois and I started on this

system with 26 years left on our

home mortgage plus a typical

assortment of other debts.

Following my new system, we

paid off everything in just 4

years 7 months.


WE DID IT…

Using nothing more than our job paychecks.

We owned our home and vehicles.

And we owned our entire after-tax income!

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THAT PEELED AWAY

LAYERS OF STRESS

We had more time and

energy to enjoy our

children and eventually

our grandchildren.

We enjoyed our time with each other more.


SO MY DEBT-ELIMINATION SYSTEM

WORKED…

A lot better than my original “make and spend a lot of

money” system had.

And I found that it worked for nearly everyone I

showed it to.

Most of them could pay off all their debts, including their

mortgages, in 5-9 years.

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DFPL BECAME SO POPULAR,

I HAD TO CREATE MY OWN

PUBLISHING COMPANY

Financial Independence Network Limited (FINL)

We grew so fast we were

selected to Inc. Magazine’s

prestigious Inc. 500 list 3 times.


MY MARKETING MANAGER…

Was a young man named Anthony Manganiello.

Now he’s my partner and co-instructor in the

program I’m talking to you about today.

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AFTER FINL, TONY BRANCHED

OUT…

Tower “Legal Network” helped people settle

their credit card debt.

Served almost 4,000 clients.

Highest client retention rate in the

settlement industry 96.4%

Settled more than $40,000,000.


MEANWHILE,

DFPL EVOLVED INTO…

The Transforming Debt Into Wealth™ System.

And became the most popular and successful personal debt-elimination and wealth-building course in the world.

Published by Nightingale Conant

It was advertised on satellite and local radio for nearly a decade.

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WHICH LED TO…

My conducting 13 worldwide seminars with Tony

Robbins’ Wealth Mastery® program.

All these teaching opportunities allowed me to

help more than 3 million people get on the road

to a better financial life.


TONY MANGANIELLO AND I

HAVE WORKED TOGETHER

And, with all we learned over the years, the system I’m going to explain to you in this webcast revolutionized our personal financial lives and what we now teach to others.

More than 2 decades.

We’ve seen what works and what doesn’t.

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WE CAN SAVE

YOU A LOT OF PAIN

You get to cheat!

You get to take the shortcut.

The shortcut that we took the long-cut

to learn ourselves.

The shortcut to The Wealth Curve.

Time

Wea

lth

SO…WHAT IS

THE WEALTH CURVE?

Simple: it’s where your

wealth only grows…with

uninterrupted compounding.

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BUT THIS IS THE “CURVE”

QUALIFIED PLANS ARE ON

Not a Wealth Curve

Stock Market


WHAT DIFFERENCE WOULD

IT MAKE IN YOUR LIFE?

How would you feel if you knew you

were securely on the Wealth Curve?

Stop and think about this.

Write it in the chat.

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WITHOUT SOME KIND OF PLAN TO

GET YOU ON THE WEALTH CURVE…

There’s a 92% chance you’ll never be able to

slow down or stop working.

The banks and mutual fund managers will end

up with most of your money.

And then eventually you’ll die.


WITH A WEALTH CURVE PLAN

You can get to where your accumulated

wealth can support you.

You can stop working if you want.

You end up with your money.

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WITH A WEALTH CURVE PLAN

Your money pays you.

The banks end up with nothing of yours.

You can enjoy your money while you’re alive.


IN OTHER WORDS…

You can Transform Your Work into Wealth!

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Plus, with a dependable plan that can put you on the Wealth Curve, you can have a real shot at joining the 7% who are moving from Middle Class to the “upper income tier."


NOW, BEFORE WE START…

This presentation is going to be informational. I can’t make any promises about how the system will perform for you, because I don’t know how well you’ll perform with the system.

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OK, LET’S GET STARTED…

5 SMART Steps to Transform Your Work into Wealth

Planning.

Spending management.

Cash accumulation and deployment.

Debt elimination.

Investing to build Job-Optional Income™.

1.

2.

3.

4.

5.

Time

Wea

lth

WHAT IS JOB-OPTIONAL INCOME?

It’s when income from your accumulated wealth, along with other non-job income streams can generate enough income for you to live without a job!

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OK, let’s get you on the Wealth Curve towards Job-Optional Income™

IT’S A PROCESS

1 2 3 4 5 !

Planning Accumulate Cash

Invest to Grow Wealth

Manage Spending

Eliminate Debt

Job-Optional Income


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STEP 1 - PLANNING

Your plan needs at least 3 data points

The age you’d like your job to be optional.

Your likely monthly income at that time.

1.

2.

Your likely monthly expenses at that time.3.


STEP 1 - PLANNING

What is your desired JOI age?

This is the age at which you’ll want your combined

income streams to cover your expenses.

You may not leave your job.

But you could, because it will be optional.

1.

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STEP 1 - PLANNING

What will be your income sources?

Wealth Curve income.

A business of your own.

Social Security (www.socialsecurity.gov).

2.

Pension.


STEP 1 - PLANNING

Estimate your JOI monthly expenses

Mostly the same types of expenses you

have now.

Consider what debts will be gone.

Will you downsize your home, cars?

3.

http://www.socialsecurity.gov/

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STEP 1 - PLANNING

What will that leave you with each month?

A projected income surplus?

A projected income gap?

What’s your plan to close any gap by then?


STEP 1 - PLANNING

Your plan needs to include the exact steps

From where you are now to a JOI surplus.

The steps need to be achievable…by you.

The steps need to be believable…to you.

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STEP 1 - PLANNING

Your plan needs to include the exact steps

What specific expenses will you reduce, so

you can save more between now and then?

How will you increase your income, so you

can save more between now and then?


STEP 1 - PLANNING

Write your plan on paper or your computer

Your brain leaks.

Your resolve fades.

You must remain accountable to your plan.

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SO THAT’S STEP 1


STEP 2 – SPENDING MANAGEMENT

Your financial enemies don’t want you figure this out

You are being systematically manipulated

into buying things you don’t need.

You are being systematically manipulated

into using credit.Banks want to own your future income.

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But, if the banks own your future income…

You won’t be able to use it to build Job-Optional Income™.

You will be forced to work until you die.



You need to fight back against the manipulation

You need a system that will help you spend

with your brain rather than with your

emotions.

You need a system to protect a portion of

your current income to build your future

income.

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And you need a system that gives you feedback

To manage your spending, your brain

needs to know the numbers and trends.

It needs to know your income and expenses.

Because what gets measured gets done.



Download and use an Income and Expense statement

https://templates.office.com/

Keep an informal spending journal.

You have to know where your money is

going.

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THAT’S STEP 2


STEP 3 – CASH ACCUMULATION

You need a cash accumulation platform

You want an account that will both

accumulate and grow your cash.

Ideally, this platform should be risk-free, and

tax-free, with guaranteed internal growth

and restriction-free access to your money.

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This is also your cash deployment platform

This is the staging account from which you’ll

deploy accumulated cash.

The money you’ll use for major purchases,

for emergencies, for debt elimination, and for

investments will come from this account.



You could use a bank savings account or CD

Growth rates are low, but your money is

“relatively” secure from capital loss.

Unfortunately, growth in these accounts is

not tax-free.

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THAT’S STEP 3


STEP 4 –DEBT ELIMINATION

“Debt” is just banks stealing your future

So use your accumulated cash from Step 3 to

systematically accelerate your debt payoff.

Ideally, this system would grow the money

you’re using for debt elimination at the

same time it’s eliminating your debts.

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STEP 4 –DEBT ELIMINATION

Debt elimination is crucial to achieving JOI

You cannot service a typical consumer debt load and build Job-Optional Income™.

Your monthly debt payments are the same

dollars that should be building your Job-Optional Income™ streams.


STEP 4 – DEBT ELIMINATION

Stop increasing your debt.

Maximize your monthly margin.

Focus your monthly margin on paying

off your smallest to largest balance

debts, one at a time.

1.

2.

3.

Debt elimination is as simple as 1, 2, 3…

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HOW WOULD YOU FEEL…

If you had no

Credit card payments?

Car payments?

Student loan payments?

Department store payments?

Other consumer debt payments?


WHAT WOULD IT

MEAN TO YOU?

Let me know in the chat what you’d do if you

were completely debt-free.

Most people never let themselves think of

this, because they don’t believe it’s really

possible for them.

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BUT IT IS VERY POSSIBLE!


OK…THAT’S STEP 4

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STEP 5 – SAFE INVESTING

Banks know how to grow their money

So take a page from their playbook and

invest in the same assets they do:

Real estateBusiness loans and leasesEducation loansVehicle financing



Stay away from paper investment “markets”

Stocks and bonds come with capital RISK

Your primary income source is already at risk.Your 401k, IRA, 403b, etc. is always at risk. Seek investments with little to no capital risk.You want your JOI funds to be there when you need them!

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Look for “Alternative Investments”

Alternatives to the “markets”

Private equity funds.Private lending. Life Settlement funds.Structured commercial loan funds.Bridge loans.

SO THESE ARE THE 5 STEPS TO JOI

1 2 3 4 5 !

Planning Accumulate Cash

Invest to Grow Wealth

Manage Spending

Eliminate Debt

Job-Optional Income


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AND DON’T FORGET…

One of the bonuses is a tool that will help you

calculate your actual total debt-elimination timeline.

We have a Kindle Fire for one lucky winner, PLUS 2

valuable bonuses for everyone who stays until the

Q&A.

The other bonus is all the slides from this

presentation, so you’ll have all 5 steps.


WAS THAT HELPFUL?

Give me a yes in the chat, and let me know

we’re good to keep moving.

Did the 5-step Job-Optional Income™ process make sense to you?

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I’VE TAUGHT YOU THE 5 STEPS

You could create your own action plan

to execute them.

But we’ve engineered a system that has

been 2 ½ decades in the making.


Our system is the “cheat”…the shortcut.


Why is that important?

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“SYSTEMS ARE SMARTER THAN

GOALS”

Goals are arbitrary destinations without the steps

to get you there.

Systems are the step-by-step process actions

that – if followed – will get you to your goals and

likely beyond them.


“SYSTEMS ARE SMARTER THAN

GOALS”

Goals produce desire…and frustration.

Systems produce results!


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THE 5 STEPS ON STEROIDS…

Our system is powered by a uniquely

designed financial mechanism called a

“Private Family Bank.”


OUR SYSTEM…

Will accelerate your debt payoff…

And simultaneously build your wealth in an

account that will ONLY and ALWAYS go up.

With no market corrections!

No crashes!

No surprises!

At a growth rate up to 20 times what banks pay.

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OUR SYSTEM…

Can eliminate your debts and build Job-Optional Income™ with the SAME DOLLARS at the SAME

TIME!

Can grow your money tax-free?


OUR SYSTEM…

Can give you tax-free use of your money for any reason, while leaving the full amount growing in the account.

Self-finance your consumer purchases.

Self-finance your car purchases.

WAY better than a 529 plan to save for college.

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OUR SYSTEM…

Can instantly and dramatically increase your

family’s net worth.

Can protect your money from lawsuits and

judgments (varies by state).


OUR SYSTEM…

Can allow you to pass your money to your heirs

tax-free.

Can let you invest in any asset or strategy and

give you a higher return than you could get any

other way!

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Time

We

alth

OUR SYSTEM…

Can put you on, and keep

you on, the Wealth Curve.


THIS IS NOT FOR EVERYONE

Only people in the U.S. and Canada who

want to completely change their financial life.

There is a small investment.

But I’m going to make it easy for you.

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OUR SYSTEM IS CALLED THE

SMART WEALTH SYSTEM™

tart With A PlanSaximize Your Accelerator Margin™Mctivate Your Private Family Bank™Aemove Your DebtsRransition To Investing Like A BankT


THE SMART WEALTH SYSTEM™

IS A 5-SESSION COURSE

Every session has 2 major sections:Primary Lesson

Related Bonus lessons and tools

Plus there are weekly “Online Classroom”

webinars, where we review course content

and answer your questions “live.”

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SO, LET’S LOOK AT THE 5 SESSIONS


SESSION 1–START WITH A PLAN

We will take you through a planning process that

will give you a clear picture of where your current

financial trajectory is taking you by your JOI age.

This is the diagnosis stage of the SMART

Wealth System™.

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If your current trajectory shows you will not have

more income than expenses by the age at which

you’d like your job to be optional, the rest of the SMART Wealth System™ Course will focus on

turning this income gap into a surplus!



If your current trajectory shows you will have more income than expenses by your JOI age, the rest of the SMART Wealth System™ Course will focus on growing that income surplus into an even larger and more dependable mountain of Job-Optional Income™.

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SESSION 1 – LESSON

Video – streaming

Audio of the video training –

downloadable or streaming.Can be played on any device.


SESSION 1 – LESSON DOCUMENTS

Presentation slides

Start With a Plan lesson worksheet

JOI Living Expense Projection Excel®

spreadsheet

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SESSION 1 IS A GREAT START TO

THE PLANNING PROCESS…


BUT THEN I GOT TO THINKING…

Following a financial plan to a desired outcome

requires personal performance principles most

people have never been properly taught, so I

thought I should share what I’ve learned about

them.

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SESSION 1 - BONUSES

The Laws of Success audio lesson

This lesson reveals 15 bedrock principles that,

if acted on, can pretty much guarantee your

success in whatever you focus them on.

They’re at the root of all of success.


SESSION 1 - BONUSES

The Laws of Achievement audio lesson

This lesson examines 12 fundamental

achievement truths. If you’ve bothered to establish

any goals for your life, following these time-tested

rules will lead you to their accomplishment.

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SESSION 1 - BONUSES

Your Average JOI Day PDF

This tool will help you determine how expensive a

lifestyle you plan on living…most days…after you

want your job to be optional.


SESSION 1 - BONUSES

Post Employment Lifestyle To-Do List PDF

This tool will help you list things you’ll GET to do,

not things you’ll HAVE to do in your Job-Optional

Income™ years.

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SO…THAT’S A LOT…

And it was just Session 1!


SESSION 2 – MAXIMIZE YOUR

ACCELERATOR MARGIN™

This session will give you the most visibility

you’ve probably ever had into the spending side of

your current financial situation.

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We will use both psychological and

mathematical tools to reshape your spending

management, so you can maximize the

amount available for the next step in the SMART Wealth System™.




You will feel the confidence of finally being in

complete control of your money.

If your Session 1 plan shows you’ll have an

income gap, this session will show you how

to start closing it to solidify your financial

future!

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If your Session 1 plan projects you’ll have an

income surplus, this session will dramatically

increase the cash flow your SMART Wealth

System™ can focus on exploding your Job-

Optional Income™!



Video – streaming

Audio of the video training.

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SESSION 2 – LESSON DOCUMENTS

Presentation slides

Maximize Your Accelerator Margin™

lesson worksheet

Income and Expense Statement

Excel® workbook

Suggested spending tracker apps


BUT LESSON 2 GOT ME TO THINKING…

If maximizing your Accelerator Margin™ is

that important to achieving Job-Optional

Income™, then we should provide you with

some additional, portable, easily-reviewable

training to help you do that.

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SESSION 2 – BONUSES

Finding Your Accelerator Margin™ audio

lessonThis audio lesson takes you on a tour of all

the places money can be leaking out of your

life, money that could be building your wealth.

You’ll be surprised by some of them.



Manage Your Spending to Maximize Your Accelerator Margin™ audio lesson

This streamable or downloadable audio lesson unveils

manipulations used on you by the marketing industry, so

you can make buying decisions with your brain rather

than your emotions.

This one revelation could free up a lot of money that could

be better focused on building your Job-Optional Income™.

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SESSION 3 – ACTIVATE YOUR PRIVATE

FAMILY BANK

This session unveils the Private Family Banking concept, the platform from which you will pay off your debts (if you have any) and build your wealth — using the same dollars at the same time.

This is the engine that powers the SMART Wealth System™.



FAMILY BANK

Your Private Family Bank helps you reduce both

your current and future expenses and increases

your future income, so it closes your Job-Optional Income™ gap by moving both levers.

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BANK

The Private Family Bank is a truly unique tool that is quietly being used by America’s richest families and biggest companies ─ including most banks ─ to safely, predictably, and powerfully build their wealth in a tax-free environment.

And it’s NOT in a bank account.



BANK

In this session we do much more than just tell you what a Private Family Bank is.

This is a “How-to” training.

We unpack how to start your bank, how to grow it, and how to use it.

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BANK

IMPORTANT: A true Private Family Bank platform is only available in the United States and Canada.

This is because of differences in tax laws and insurance regulations.



Video and audio.

Activate Your Private Family Bank lesson

worksheet

Activate Your Private Family Bank slides

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THEN LESSON 3 GOT ME TO

THINKING…

At the root of most people’s financial limitations is their mode of thinking about money.

This mode comes largely from your experiences growing up.

So I figured I’d better climb into your head and expand your thinking.


SESSION 3 – BONUS

Your Mind’s Money Box audio lesson

In this lesson, I expose a mental blueprint that confines most people to a lower economic reality than they’re capable of.

I go on to explain how to redraw your blueprint, freeing you to achieve and enjoy more financial rewards than you may now be able to even dream of.

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ARE WE DOING OK?

Chat yes, if you’re tracking with me.

And I’ll have a special offer for you before we

start the Q&A to make the SMART Wealth

System™ easily accessible for you.

I’m giving you a lot of information fast,

but I want to respect your time.


SESSION 4 ̶

REMOVE YOUR DEBTS

This session shows you how to use your Private

Family Bank to pay off your debts.

Using your Private Family Bank as the platform for this

step means that every dollar going through your bank to

pay off debts actually stays in your bank earning

interest and dividends up to 20 times what regular

banks pay.

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Since this growth is tax-free, it’s on par with what the average stock market investor normally earns after taxes.

And debt elimination reduces both your current and post-employment expenses, further closing your Job-Optional Income™ gap and increasing your future wealth!

SESSION 4 –REMOVE YOUR DEBTS



Presentation slides

Remove Your Debts lesson worksheet

Debt Prioritization Excel® spreadsheet

Debt Prioritization PDF form

Video and audio

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BUT SESSION 4

GOT ME TO THINKING…

If you’ve been using debt to finance your life and

lifestyle, you may not fully comprehend the scope

of how this undermines your ability to ever

achieve Job-Optional Income™.

So, I thought I should ‘splain it to you.



You can either make debt payments OR build wealth.

Pick ONE!

This lesson exposes just how destructive carrying debt is

to your ability to ever build Job-Optional Income™.

Debt: Your Biggest Obstacle to Wealth

audio lesson

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This lesson goes into more detail on the league

of industries we call the “Coalition of Four.”

This powerful marketplace consortium shrewdly diverts

most of the money you produce in your life into their

bank vaults rather than into your own.

Whose Wealth Are You Building? audio lesson


IF THIS IS STARTING TO

SOUND LIKE A LOT

This program is designed to be consumed one session per week.

If you want to jump in the deep end, you’ll be able to access all 5 sessions immediately.

However, the live “Online Classroom” webinars with me and Tony will only be conducted once a week.

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SESSION 5 – TRANSITION TO

INVESTING LIKE A BANK

Real estate

Vehicle financing

College education loans

Businesses

Home remodeling projects

Other low-risk, high-return, asset-based investments

This session teaches how you can invest in the

same kinds of assets banks invest in:




Notice real estate and businesses in these

investment asset classes.

Rental real estate and a business of your own

can produce income streams independent of your job…Job-Optional Income™ streams.

6/9/2016

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We teach you how to invest in private equity

funds, debt funds, bridge loans, and more.

Your investments in these funds and loans

are backed by real assets, not just paper

statements.




And, when you use your Private Family Bank to

invest in these asset classes…

All the dollars you use for these investments

will continue earning interest and

dividends inside your bank.

6/9/2016

72




So, what happens to all that money staying and

growing in your Private Family Bank?

It too can be turned into an ongoing,

dependable “Wealth Curve” income stream

whenever you want.




You can also easily use funds from your bank to invest in any other asset you feel confident with:

Options

Precious metals

Art

Whatever other investments you understand

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Transition to Investing Like a Bank slides

Transition to Investing Like a Bank

lesson worksheet

Video and Audio


BUT LESSON 5

GOT ME TO THINKING…

If you’re going to invest to achieve Job-Optional

Income™, you need to think like a wealth-builder.

So, I thought I should give you the advantage of

knowing the principles successful wealth-builders

apply.

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74



The Laws of Wealth Creation audio lesson

This lesson unpacks 11 foundational principles to

successful wealth-building. If you just get these

critical truths down inside you, your actions will

draw you towards money and money towards you.



Investing in Real Estate audio lesson

This lesson is a step-by-step guide to operating a

single-family-home rental real estate business.

It’s a detailed overview that makes sure you consider

every important aspect of investing in rental real estate,

from analyzing properties before you make an offer to

building your support team of experts.

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75


SESSION 5 –

BONUS TOOLS

Personal Balance Sheet

Excel® spreadsheet

PDF printable worksheet

Sample Private Bank business loan

documents

Sample business loan amortization schedule

IT’S A SYSTEM

1 2 3 4 5 !

Start with a Plan

Activate your Bank

Transition to Investing

Maximize your A/M

Remove your Debts

Job-Optional Income


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76

SO THERE ARE YOUR 5 SMART

WEALTH SYSTEM SESSIONS

Does that mean I’m done?


BONUS SESSION 6ELIMINATE YOUR JOI INCOME GAP

This is a complete 6th session, including video and audio lessons, handouts, and bonuses,

bringing all the tools of the previous 5 sessions to bear on making sure your post-employment

income streams will add up to more than your post-employment living expenses.

6/9/2016

77



Eliminate Your JOI Gap slides

Eliminate Your JOI Gap PDF worksheet.

Video and audio.


BUT LESSON 6 GOT ME TO

THINKING…

If I’m going to ask you to consider making

bigger life changes to allow you to enjoy Job-Optional Income™, then perhaps I

should give you a teaching on just that.

6/9/2016

78



Redesign Your Life audio lesson

This lesson takes you outside your life-plan box to

explore other lifestyle and location possibilities.

You may well find a more desirable retirement life, or

even current life, in a less expensive area…possibly

even doing something much different from your current

occupation.


AND THEN I HAD ANOTHER

THOUGHT…

If you’d like to take some steps to increase your

income to help build your wealth and close any

Job-Optional Income gap, there are several ways you can do that.

So, I thought I should ‘splain them to you.

6/9/2016

79



From strategies for getting a raise, to changing employers, to changing careers, to starting a business of your own, this lesson helps you determine what would work best for your present and future life.

This powerful lesson examines your realistic options for increasing your primary income stream and adding additional income streams.

How to Increase Your Income audio lesson



The key steps you need to take, if you decide to change careers.

Your Career Change

Checklist

6/9/2016

80



This spreadsheet will help you determine whether a second household income will really improve your cash flow.

Second Income

Evaluation


SPECIAL BONUS!

A FREE – Personal – Private Family Bank™Consultation

Find out how much Job-Optional

Income™ Your Private Family Bank could

build for you by your JOI age.

Find out how rapidly you could pay off your

debts through your Private Family Bank.

6/9/2016

81


OK…I’M DONE.

That’s the

SMART Wealth System™ Course


So, let’s hear from a few people actually using the

SMART Wealth System™

6/9/2016

82


WHAT OTHERS ARE SAYING

I have become so obsessed with my money that I do believe you have created a monster.

I went through the SMART Wealth System and have started my personal family bank! I am within two years of truly being debt free.

Carol M.

Antelope, CA



You have also taught me to start planning for what to do with all that freed up money in my accelerator margin. The PFB has also allowed me to pay down my debt even faster.

I love listening to you two. I feel as if I am listening to my well respected neighbors.

Carol M.

Antelope, CA

6/9/2016

83



My family looks at me with envy when I talk about money and not having a mortgage. I am your best advertisement? They know you will be there for them, when they are ready.

Thank you John and Tony.

Carol M.

Antelope, CA



With the Smart Wealth System, I feel very confident. There are bonus videos with each session that teach you how to reduce your expenses, achieve professional success, and detailed advice on ways to invest your money. For anyone who is striving for financial security and for work being optional in the future, I recommend this program most highly.

Lori S.

Port Saint Lucie, FL

6/9/2016

84



I want this knowledge to be shared with every young person out there.

Let's stop giving our money to high credit cards, high auto loans, student loans, etc. and start paying ourselves for the things we need (car, house, education) while securing our financial future for retirement. I do not want to have to work for the rest of my life. I want to be able to set a [retirement date] when I want…

Henrietta Y.

Allison Park, PA



That is the beauty I saw in the system. It is a

smart way to build financial security. The

process was simple and easy to grasp

because I already have the mentality of

investing in myself first.

Do it for you as I've done it for me. Henrietta Y.

Allison Park, PA

6/9/2016

85



I had to change my retirement strategy because what I was doing was not working. The standard 401(k) wasn't working. I was saving, but I wasn't getting out of debt. I lost a lot of money in 2008 and credit card debt increased substantially.

I wish I had done this when I was younger.Dave K

Allison Park, PA



Thank you for your advice and your help with our savings plan. Many of my co-workers were concerned all day about the plunge of today and I was able to simply relax.

Thank you again!

Andrew B.

Fresno, CA

6/9/2016

86



If you decide to give [the SMART] program a try, we’re pretty sure you won’t be disappointed. We weren’t and still aren’t!! The program is a magnificent life-changing and practical approach to financial freedom. And like many other people have said before us, “We wish we would have found this program sooner.”

Becky S.

Hershey, PA


JUST IMAGINE

With the SMART Wealth System™ you can be rapidly paying off your debts.

And instead of just sending extra dollars to your creditors, every debt-elimination dollar will be simultaneously staying in your Private Bank to build your wealth for the rest of your life!

6/9/2016

87


IF YOU DON’T HAVE ANY DEBTS,

IMAGINE

Every dollar you put into this system giving you a

GUARANTEED internal return.

PLUS, you can use money from your bank to

make outside investments – while the money

actually STAYS in your bank earning interest

and dividends.


SMART IS A LIFETIME

FINANCIAL SYSTEM

It’s not just about paying off debts.

It’s not just about becoming your own

financing source for cars, home remodels,

vacations, child/grandchild educations,

healthcare costs, etc.

6/9/2016

88


SMART IS A LIFETIME

FINANCIAL SYSTEM

It’s not just about building a Job-Optional Income™stream.

It’s not just about instantly creating a large

and growing estate to pass on to your heirs.


IT’S ALL OF THE ABOVE!

The SMART Wealth System™ Course will clarify

and focus your finances on eliminating any debts.

While simultaneously growing your Private

Bank’s money pool, that you control and can

access at any time for any reason.

6/9/2016

89


And it will help you build additional wealth

through safe, secure investments, backed up

by real assets, not just monthly statements.


IT’S A GENERATIONAL SYSTEM

The SMART Wealth System™ Course will give

you a template to pass on to your heirs.

You won’t just leave them money when you

pass…you’ll leave them a financial system

they can follow to multiply the money.

6/9/2016

90


BUT TIME IS

OF THE ESSENCE


TO MANAGE CLASS SIZE FOR THE

LIVE ONLINE CLASSROOMS

This offer is only going to be available until

midnight Sunday Pacific Time.

If you don’t take this offer, you’ll have to

wait for the next class.

And you may have to pay a higher price.

So what is the price?

6/9/2016

91


Thousands of people paid an average of about

$3,000 each to attend the Tony Robbins Wealth

Mastery® programs I taught.

Thousands of people paid an average of about

$4,000 each for Transforming Debt into

Wealth® coaching.

LET’S PUT THE VALUE IN

PERSPECTIVE


If the SMART Wealth System™ could help you reduce your monthly expenses by $850, that would improve your cash flow by more than $10,000 a year.

That would increase your net Job-Optional Income™by $20,000 a year!

And if the SMART Wealth System™ could build enough wealth to generate $10,000 a year additional income…

LET’S PUT THE VALUE IN

PERSPECTIVE

6/9/2016

92


THAT’S THE REAL

“RESULTS” VALUE OF

WHAT WE TEACH.


BUT LET’S JUST CONSIDER THE

VALUE OF WHAT’S IN

THE SMART COURSE.

6/9/2016

93


IN FACT, LET’S JUST CONSIDER THE

LIVE ONLINE CLASSROOM

WEBINARS.


90-MINUTE LIVE WEBINARS

You get unlimited access to weekly, hour-and-a-half live sessions with me and Tony.

Wealth coaches and financial

advisors routinely charge:

$200 to $500 an hour.

Or $1,000 per review session.

6/9/2016

94


AND THIS $6,000 DOESN’T INCLUDE…

The value of ALL THE OTHER EDUCATIONAL COMPONENTS of the course!

6 Teaching Lessons• Video teaching• Audio teaching• All the slides• Lesson handouts• Spreadsheets

17 Bonuses• Downloadable Audio

lessons• PDF printable tools• Spreadsheets


OR THE SPECIAL BONUS!

A FREE – Personal – Private Family Bank Consultation™

Find out how much Job-Optional

Income™ Your Private Family Bank could

build for you by your JOI age.

Find out how rapidly you could pay off your

debts through your Private Family Bank.

6/9/2016

95


OF COURSE…

You won’t pay anything like the $20,000

potential “Results” difference this course could

make in your life each year.

Or even the $6,000+ value of unlimited live

sessions with me and Tony.


The

SMART Wealth System™

Course

$697

6/9/2016

96


THAT’S A GREAT DEAL

It’s essentially $1.91 a day for a year.

It’s less than you’d pay for a 3-day weekend at

a nice hotel.

But instead of just ending up with few fun

memories, you can create a stress-free future

filled with great memories.


YES, IT IS A GREAT DEAL

But Tony and I want to make it irresistible.

Because we know how this course could

change the future for you and those you love.

So, if you’re ready to act and take charge of

the rest of your financial life, I’ll give you a

$200 “Quick-Action” discount today.

6/9/2016

97


SPECIAL TODAY:

$497

A LITTLE PERSPECTIVE

My daughter’s

college accounting

text book cost

$380!

6/9/2016

98

SO NOW YOU CAN SEE…

Why I said the price

may well increase in

the future.

$697

- $200

CRAZY


But, if $497

is a stretch for

you right now…

6/9/2016

99


You can make

3 payments

of just $177


AND EVEN THESE LOW PRICES…

Come with a 30-day

money-back GUARANTEE!

6/9/2016

100


LET US MENTOR YOU

In the SMART Wealth System™ Course, you’ll

be learning from 2 people who have dedicated

nearly a combined half century to researching

and teaching personal finance strategies.


We’ve helped millions of people worldwide.

We can save you a half century of mistakes.

How much would you pay to save even one

year of wasted time with your finances?

6/9/2016

101


AN ORDER BUTTON SHOULD

NOW BE SHOWING


BY APPLYING THIS SYSTEM…

You could pay off debts, if you have them.

And keep the same dollars growing in your

Private Bank.

Build tens to hundreds of thousands in

retirement savings or more.

Instantly increase your estate’s net worth.

6/9/2016

102


Save to educate children.

Know their education will be paid for even if

you die before you’ve saved enough.

Boost the return of ANY investment.

And add thousands to your retirement income

stream.

Use a credit card or PayPal,

including the “PayPal Credit” option.


BUILD JOB-OPTIONAL INCOME™

Make 1 LOW payment of $497.

Make 3 LOWER payments only

$177.

Get SMART Now…

6/9/2016

103


SPECIAL OFFER TODAY

$200 Quick-Action Discount!

If you don’t take this offer:You’ll have to wait.

You may well have to pay a

higher price.

You’ll delay your arrival at Job-

Optional Income™.

Get SMART Now…


IF YOU’RE NOT HAPPY…

We’ll give you your money back.

Tony and I do this to help you have a better financial life, not to diminish it.

So, if you don’t think your financial life has been improved, we don’t want your money.

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104


YOU WON’T EVEN HAVE TO

TALK TO A HUMAN

Just send us an email and we’ll

quickly process your refund.


“OH…BUT WHAT IF…”

“I might not be available at the scheduled

“live webinar times.”

“I’m too old”

“I don’t know anything about investing.”

6/9/2016

105


“OH…BUT WHAT IF…”

“I don’t have any money to work with to build

wealth.”

“I don’t have the money for the

“SMART Wealth Course.”

“I already know about investing.”


DON’T MISS THIS…

The people who take action now, will be growing their Job-Optional Income™.

As Tony Robbins puts it,

“The number one key to success is the ability to take action.”

6/9/2016

106

Get SMART Now…


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