uch! It’s going to kill some of them as they come to realize they have saved their entire working life, been frugal and it still is not enough. Couple all this with Taxes! Bad news.

Yes, this is a warning. No, I’m not a prophet or a fortuneteller, just look at the signs. When looking out over the horizon and seeing a big black thunderhead with flashes of lightning, you don’t have to be psychic to know there is a storm coming.

Noah was privy to some “insider information” because of his relationship with God. The masses didn’t believe him. He built the Ark. The people were warned yet they did not believe. Only afte

Under the glow of a 25-watt bulb, he opened his last can of cat food. He would share it with his wife. No crackers this time. It needed to last 3 more days. Tomorrow they would be hungry. With a wrinkled grin, she smiled back at him. They remembered the promises of riches they made to each other 58 years ago. Where did they go wrong?

Do you really want to live on less money when (and if) you retire? Let's carefully dissect the phrase “ When you retire… you’ll be in a lower tax bracket.” At first glace this appears to be a good thing.

Everyone wants to pay less taxes, this is why we have CPA’s and tax lawyers. However, to get into a lower tax bracket really means you will be earning less or your investments will produce less income than what you are currently making/enjoying.

Why would you want to change your lifestyle after you retire unless it is for the better!

Can you really say you’ll trade in your new car for an older one? Or get rid of your car all together because after all you won’t be commuting for work.

Whatever your current income is, imagine for a moment that it is cut by 1/3 or greater. Yikes! Can you honestly say you will be happy to retire with less money than what you have now?

If you had the thought 'this won’t happen to me', then you MUST continue to read on. Because when you retire the IRS will legally steal 1/3 or your qualified tax deferred income from your 401k and other retirement account through taxation. And there is no fighting Uncle Sam. An example of an investment of $1,000 that grew to $10,000 if the tax was paid on the $1,000 at a 30% bracket the tax would be $300, but if it was deferred taxation; the tax on $10k at the same bracket would be $3,000. Ten times greater!

The analogy I like to use is, as a farmer, would you rather be taxed on the seed (the small part) or the harvest (the larger portion)? [Yes there are tax-free growth and tax-free withdrawal investments.]

In the last 30 years have taxes gone up or down? Up of course. So if you invested $1,000 today and in 30 years it grew to $10k or more wouldn’t it be logical that taxes would also go up? 35%, 45%, 55% bracket or God forbid even more than that… How much more does the IRS want?

I don’t need to go in to Social Security or should we call it Social In-Security. The first batch of baby boomers are entering retirement pretty darn quick. It’s going to be a rude awakening and shock similar to putting a key or butter knife in an electrical socket. Ouch! It’s going to kill some of them as they come to realize they have saved their entire working life, been frugal and it still is not enough. Couple all this with Taxes! Bad news.

Yes, this is a warning. No, I’m not a prophet or a fortuneteller, just look at the signs. When looking out over the horizon and seeing a big black thunderhead with flashes of lightning, you don’t have to be psychic to know there is a storm coming.

Noah was privy to some “insider information” because of his relationship with God. The masses didn’t believe him. He built the Ark. The people were warned yet they did not believe. Only after

ever, to get into a lower tax bracket really means you will be earning less or your investments will produce less income than what you are currently making/enjoying.

Why would you want to change your lifestyle after you retire unless it is for the better!

Can you really say you’ll trade in your new car for an older one? Or get rid of your car all together because after all you won’t be commuting for work.

Whatever your current income is, imagine for a moment that it is cut by 1/3 or greater. Yikes! Can you honestly say you will be happy to retire with less money than what you have now?

If you had the thought 'this won’t happen to me', then you MUST continue to read on. Because when you retire the IRS will legally steal 1/3 or your qualified tax deferred income from your 401k and other retirement account through taxation. And there is no fighting Uncle Sam. An example of an investment of $1,000 that grew to $10,000 if the tax was paid on the $1,000 at a 30% bracket the tax would be $300, but if it was deferred taxation; the tax on $10k at the same bracket would be $3,000. Ten times greater!

The analogy I like to use is, as a farmer, would you rather be taxed on the seed (the small part) or the harvest (the larger portion)? [Yes there are tax-free growth and tax-free withdrawal investments.]

In the last 30 years have taxes gone up or down? Up of course. So if you invested $1,000 today and in 30 years it grew to $10k or more wouldn’t it be logical that taxes would also go up? 35%, 45%, 55% bracket or God forbid even more than that… How much more does the IRS want?

I don’t need to go in to Social Security or should we call it Social In-Security. The first batch of baby boomers are entering retirement pretty darn quick. It’s going to be a rude awakening and shock similar to putting a key or butter knife in an electrical socket. Ouch! It’s going to kill some of them as they come to realize they have saved their entire working life, been frugal and it still is not enough. Couple all this with Taxes! Bad news.

Yes, this is a warning. No, I’m not a prophet or a fortuneteller, just look at the signs. When looking out over the horizon and seeing a big black thunderhead with flashes of lightning, you don’t have to be psychic to know there is a storm coming.

Noah was privy to some “insider information” because of his relationship with God. The masses didn’t believe him. He built the Ark. The people were warned yet they did not believe. Only afte

hought 'this won’t happen to me', then you MUST continue to read on. Because when you retire the IRS will legally steal 1/3 or your qualified tax deferred income from your 401k and other retirement account through taxation. And there is no fighting Uncle Sam. An example of an investment of $1,000 that grew to $10,000 if the tax was paid on the $1,000 at a 30% bracket the tax would be $300, but if it was deferred taxation; the tax on $10k at the same bracket would be $3,000. Ten times greater!

The analogy I like to use is, as a farmer, would you rather be taxed on the seed (the small part) or the harvest (the larger portion)? [Yes there are tax-free growth and tax-free withdrawal investments.]

In the last 30 years have taxes gone up or down? Up of course. So if you invested $1,000 today and in 30 years it grew to $10k or more wouldn’t it be logical that taxes would also go up? 35%, 45%, 55% bracket or God forbid even more than that… How much more does the IRS want?

I don’t need to go in to Social Security or should we call it Social In-Security. The first batch of baby boomers are entering retirement pretty darn quick. It’s going to be a rude awakening and shock similar to putting a key or butter knife in an electrical socket. Ouch! It’s going to kill some of them as they come to realize they have saved their entire working life, been frugal and it still is not enough. Couple all this with Taxes! Bad news.

Yes, this is a warning. No, I’m not a prophet or a fortuneteller, just look at the signs. When looking out over the horizon and seeing a big black thunderhead with flashes of lightning, you don’t have to be psychic to know there is a storm coming.

Noah was privy to some “insider information” because of his relationship with God. The masses didn’t believe him. He built the Ark. The people were warned yet they did not believe. Only afte

tion)? [Yes there are tax-free growth and tax-free withdrawal investments.]

In the last 30 years have taxes gone up or down? Up of course. So if you invested $1,000 today and in 30 years it grew to $10k or more wouldn’t it be logical that taxes would also go up? 35%, 45%, 55% bracket or God forbid even more than that… How much more does the IRS want?

I don’t need to go in to Social Security or should we call it Social In-Security. The first batch of baby boomers are entering retirement pretty darn quick. It’s going to be a rude awakening and shock similar to putting a key or butter knife in an electrical socket. Ouch! It’s going to kill some of them as they come to realize they have saved their entire working life, been frugal and it still is not enough. Couple all this with Taxes! Bad news.

Yes, this is a warning. No, I’m not a prophet or a fortuneteller, just look at the signs. When looking out over the horizon and seeing a big black thunderhead with flashes of lightning, you don’t have to be psychic to know there is a storm coming.

Noah was privy to some “insider information” because of his relationship with God. The masses didn’t believe him. He built the Ark. The people were warned yet they did not believe. Only afte

uch! It’s going to kill some of them as they come to realize they have saved their entire working life, been frugal and it still is not enough. Couple all this with Taxes! Bad news.

Yes, this is a warning. No, I’m not a prophet or a fortuneteller, just look at the signs. When looking out over the horizon and seeing a big black thunderhead with flashes of lightning, you don’t have to be psychic to know there is a storm coming.

Noah was privy to some “insider information” because of his relationship with God. The masses didn’t believe him. He built the Ark. The people were warned yet they did not believe. Only after disaster started did the people believe.

You have heard the phrase “the truth shall set you free…” This is only half the equation. The truth will set you free, ONLY if you act on and implement the truth. We need to do this with education. There are many resources and books available that explain problems and offer a suggestion. What is the use of telling someone there is a problem without offering a solution.

I have the “you can bring a horse to water” philosophy. If you are sick, the doctor is not going to call you. You must first seek the doctor/professional then he will diagnose the situation and recommend a cure/answer.

My point is we all know that there is a financial storm coming, seek personal financial education and advice before it’s to late. Honestly, do you really enjoy the taste of cat food?