Paradigms & Money
My name is Joe Myers and as a Financial Consultant I have created this website to explain WHY I am a complete 180 from the mainstream financial advice. You can learn more about me on My Bio.
As you review the content of this website keep this quote in mind:
“If you understand what’s really happening, you’ll know what to do!” – Shawn Tully, Fortune
You will never look at your financial strategy the same way AND be concerned about your current financial advisor's advice!
While you will learn more on this page than what the mainstream financial advice teaches the other website pages provide more resources to validate what you will learn here.
Here are some points to consider:
- YOUR MONEY is YOUR RESPONSIBILITY - no one else but YOU!
- HOW do you know if your financial strategy WILL WORK?
- Where are those providing financial advice going to be when your financial strategy DOES NOT WORK?
- You work hard to EARN YOUR MONEY so why not work just as hard to LEARN HOW to keep it?
- If you could learn how to secede from a system that is destroying your wealth and future generations would you?
What you will learn for your personal and/or business financial future is:
- How to get a consistent high rate of return
- Have liquidity of your money
- Have guaranteed growth of your money
- How to build a TAX FREE pool of money
- How to have NO market volatility
- How to lawsuit/creditor protect your money (in most states)
- How to hedge against inflation
- How to have control of your money
- How to transfer your money efficiently
- How to make your money easy to manage
Applying what you will learn on this website will minimize inflation in our economy which is the most Patriotic action you can take in our troubled times in this great country right now!
I met my mentor, Nelson Nash, some years back and he has been teaching many in my field a grassroots method to restore our monetary system to WE THE PEOPLE! Our vision is a free society characterized by creative privatized “banking” solutions independent of government intervention.
We recognize that true freedom incorporates financial freedom. We teach the public how to use permanent Whole Life insurance as the cash flow management vehicle for implementing the strategy called the Infinite Banking Concept (IBC). We teach how to use properly structured Whole Life policies as “banking” policies.
What separates me from the mainstream is THEY want to CONTROL YOUR MONEY and I teach you HOW to KEEP MORE OF and HAVE CONTROL OF YOUR MONEY!
There is a saying "You can lead a person to KNOWLEDGE but you cannot make them THINK!" so if you are not willing to learn WHY taxes destroy your wealth and WHY your current financial plan can be setting you up for FINANCIAL FAILURE then you will want to stop here.
On this page you will learn the most important financial information that the mainstream DOES NOT TEACH that will benefit ANY Personal, Business and High-Net Worth Individual strategy!
Read this article Building The 10% that was written by a colleague of mine, Carlos Lara, to understand WHY what we teach can improve our economy and why we are creating a movement to reach the 10%. How Privatized Banking Really Works is a book co-authored by Carlos and Robert Murphy that is a wake up call as to what has happen to our economy and free market! They also provide the SOLUTION for We The People to take back our country.
WHAT happened to OUR MONEY provides a history lesson about our monetary system and what INFLATION REALLY IS! The article also has quotes from congressmen, etc. warning us of the dangers of the Federal Reserve!
Here is an interesting article explaining how the NEW tax laws will affect you now and in the future! The CBO Report shares how our national debt continues to be out of control and Congress has no resolution in site. The devaluation of OUR MONEY is the main issue behind our national debt! If Congress would abolish the Federal Reserve the majority of our national debt will disappear as well.
The most important issue to understand first is MONEY vs. CURRENCY!
You must watch the following 2 videos before you go any farther to understand WHY knowing the difference between MONEY vs. CURRENCY will help you make more informed financial decisions:
- The Plain Truth of the Federal Reserve is a short 5-minute video presented by Judge Napolitano who is a Judge of the New Jersey Superior Court and a true Constitutionalist! The short video presented prior to 2011 The Judge explains WHY the United States has been enslaved by a central bank when our elected officials in Congress UNCONSTITUTIONALLY passed the Federal Reserve Act in 1913 and every Congress since then has allowed the Federal Reserve to control our monetary system which has enslaved We The People by devaluing our money creating loss of purchasing power!
- The Biggest Scam In The History Of Mankind is a 29-minute video that explains perfectly how money is COUNTERFEITED with deposits & loans!
The platform I teach comes from the book Becoming Your Own Banker (BYOB) written by Nelson. To purchase the book you can make a request below.
More about Nelson on The SOLUTION page.
Only by request below will I share a private webinar not available anywhere else presented by Nelson. He provides details of one of his actual policies that is over 50 years old with factual numbers of the growth and the outstanding performance that no other financial vehicle can provide.
Understanding how governments function is key to understanding how it affects your financial future! Read the short 3-page article Fish Are the Last to Notice the Water for more insight on your finances.
I would encourage you to visit the Patriot Movement and Resource Page to understand the true history of our country to learn our role as Citizens to keep a free country!
WHAT is a PARADIGM? Bob Proctor who is a personal development coach gave the following definition:
"A paradigm is a multitude of habits lodged in our subconscious mind".
So PARADIGMS can be good or bad!
One paradigm that is SO WRONG is people think MONEY is WEALTH when in reality money is a medium of exchange to acquire wealth (such as vehicles, real estate businesses, etc.) BUT knowing WHAT REAL INFLATION IS and how efficient we are at keeping more of the money we work hard to earn is the real key to wealth!
Read this short article from the 1993 FORTUNE Magazine article The Real Key to CREATING WEALTH that details the fundamental financial principle Economic Value Added (EVA) that is so VITAL to EVERY Personal, Business and High-Net Worth Individuals financial strategy!
So how are your PARADIGMS about MONEY affecting your financial future and future generations?
Where to put YOUR MONEY - When it comes to your money the mainstream financial planner advised their clients to put their money in tax qualified plans like 401(k) plans, 403(b) plans, SEP's, IRA's, etc. prior to 2001. (Watch the short videos below "The Truth Behind Hidden Fees in 401(k) Plans" and THINK how this affects all TAX-QUALIFIED plans!) Everyone reviews their statements & observes the number they see BUT do not take into account the taxes they will pay when they withdraw money from their plans! Another HUGE point is I have NEVER had anyone be able to tell me their ACTUAL RETURN on their money after factoring in the affects of the downturns in the markets not to mention the value destroyed by hidden fees!
Then after the 2001 financial meltdown clients were then instructed by their advisor to leave their money in these financial vehicles stating the market will come back. Then the 2008 financial meltdown happened and the client lost even more money! For more detailed information & an alternative to NEVER LOSE MONEY read WHERE to put YOUR MONEY!
Here is a quote from an article on the website of Nationally known CPA, Ed Slott on a 401(k):
"Consumers and financial practitioners alike may have been sold on a myth as a fact many years ago. If you think back, you likely recall the saying:
“Defer, defer, defer and when you retire you’ll retire at a lower tax bracket!” Sound familiar? Actually, instead what they should have told us was:
“If you don’t pay taxes today, you’ll get stuck with the government plan tomorrow!” What is the government plan you ask? The government plan is where you do all the work, take all the risks, pay all the costs, and make all the emotionally gut-wrenching decisions with your 401(k) during your 30-40-year career while you contribute to a seemingly tax-beneficial retirement plan. Then you discover when you retire years later, you are paying taxes not only on your contributions, but also the growth of those contributions. Additionally, you didn’t know when you started saving that the government would have so much debt as you approached retirement, prompting them to potentially raise the tax rates during your retirement years." SOURCE
Watch the video below as Nationally known CPA, Ed Slott explains the 5 SILENT RETIREMENT KILLERS!
THINK about this question - When Congress creates EXCESSIVE TAXATION and then provides an exception such as TAX QUALIFIED PLANS (401-k, 403-b, etc.) aren't you just a little suspicious you are being manipulated?
WHY not just cut taxes to begin with?
TAX QUALIFIED PLANS violate 3 basic TRUTHS:
1) TAXES are going to go up! They have gone up since 1913!
2) It is better to pay taxes prior to saving your money than on the lump sum later in life.
3) A dollar is ALWAYS worth more today than in the future because of INFLATION. More on inflation in What happened to OUR MONEY!
Watch the 3 part series below The Truth Behind Hidden Fees in 401(k) Plans televised on Bloomberg right after the 2008 crash!
BUSINESSES - Business owners are advised to use other peoples money (OPM) by borrowing from banks or lending institutions but then went out of business going deeper into debt to grow their business - instead of creating a strategy to have more efficient use of their revenue/cash flow so when financial meltdowns like 2001 and 2008 happen they could stay in business!
One of many strategies that I share with business owners is how to create an LLC leasing company that the owners would own & then they would buy for example: equipment with loans from the TAX-DEFERRED and TAX-FREE ENTITY (I will teach you about) that they are currently leasing & then pay the lease payment to THEIR LLC leasing company & the leasing company pays the loans back to the TAX-DEFERRED and TAX-FREE ENTITY to recycle their money for the next time they need to buy equipment or for operating budgets or working capital. Now they have the additional TAX benefit of the LLC leasing company and they have a tax beneficial loan from the TAX-DEFERRED and TAX-FREE ENTITY they own and control.
THE JIM HARBAUGH PHENOMENON - In 2016 former NFL great Jim Harbaugh and University of Michigan came up with a creative compensation package using Life Insurance that has amazed many people. Read about the UNIQUE strategy that anyone CAN and SHOULD use to minimize taxation Michigan & Jim Harbaugh compensation package.
HIGH-NET WORTH INDIVIDUALS EXAMPLE - High-net worth people are advised to be in various financial vehicles that provide very little protection for estate/income taxation or to be litigation proof!
For more detailed business information and an alternative to NEVER LOSE MONEY read the Farming & Ranching Business.
HERE ARE ADDITIONAL BUSINESS OWNERS RESOURCES:
- Business Killers Workshops - interactive workshops can be presented in your area that explain the 6 most common BUSINESS KILLERS and how to avoid them.
- Risk Barometer - the business owner/partners, family and partners families can determine the risk level in your business.
- Business Owners Lifetime Plan. After you and your partners determine your RISK fill in the information then you can email or mail the documents back to me and our team will review it and provide you and your partners with recommendations to protect you, your business, your partners and ALL of your families. Also for non-business owners there are specific sections pertaining to Will's and other pertinent information in the Business Owners Lifetime Plan that anyone is welcome to fill out and email or mail the documents to me and our team will provide recommendations to protect you and your family.
- Marshall Stevens Business Valuation Agreement - knowing the updated value of your business is paramount in succession planning for your business and Marshall & Stevens can provide that service for you.
- Joe Robbie - lack of knowledge on succession planning by Mr. Robbie's trusted advisors cost him his legacy and a horrible UNNECESSARY financial liability for his heirs that NEVER should not have happened.
- Business Owner Story - this article provides the letter to me from a friend and client that has taken personal and business financial responsibility.
For additional information please visit 6BizKillers.com
Read the short article from Medical Economics that explains WHY and WHAT banks do differently than what the mainstream advises YOU TO DO! The banks basically create a private banking system inside their BANK!
Read the short 4-part articles below from Tax Strategy Article 1, Tax Strategy Article 2 & Tax Strategy Article 3 and Interest Only Loans written by a colleague of mine, Carlos Lara, that shares valuable insight as to the concept you are learning on this page. Carlos is President of United Services and Trust Corporation headquartered in Nashville, Tennessee since 1976. United Services and Trust is a consulting firm specializing in corporate trust services, business consulting and debtor-creditor relations. The firm’s primary services are capital formation and business reorganizations. He is a passionate advocate of Austrian Economics and frequently writes and speaks on the subject. In 2010 he co-authored How Privatized Banking Really Works with economist Robert P. Murphy. Together they publish the Lara-Murphy Report, a special on-line economic research and reporting newsletter for financial professionals.
Another HUGE issue with the mainstream advice is they DO NOT teach that TAXES DESTROY WEALTH and YOUR FINANCIAL FUTURE! Watch the video below Truth Concepts: Laffer Curve On Cash Flow that proves HOW and WHY TAXES DESTROY WEALTH!
Additionally watch Truth Concepts: Car Financing and Borrowing that explains HOW and WHY your current strategy is costing you money!
So WHY aren't you minimizing your taxes instead of deferring taxes???
"Rule #1 - Never lose money. Rule #2 - Never forget Rule #1" - Warren Buffett
So we have one of the wealthiest people in the world telling us to NEVER to lose money but the mainstream is telling us to put our money in WALL STREET! You have to wonder WHY is the mainstream advice telling us to risk OUR MONEY ???
By the way, Warren Buffet made his money by diligently researching companies (which the average person does not have the time OR the knowledge of how to evaluate companies) before he bought their stock but eventually he would purchase controlling or major interest of stock in the company OR he would BUY the company outright! He was NOT in 401(k) Plans, mutual funds, etc.!
He was really in the business of buying or having controlling interest of companies!
Why do we continue to follow the paradigms THAT LOSE MONEY FOR US?
Another way to look at it - WE are programmed by our environment BUT WE DON'T HAVE TO BE!
Think of it like this, if you moved a new born baby from the United States to China that baby would grow up learning their culture and language and if you moved a new born baby from China to the United States that baby would grow up learning our culture and language! It does not matter what DNA the child has it ONLY matters what the child has been taught to believe or not believe!
Just because you "believe" something does not make it true or accurate!
The same is true with our financial education - if we just listen to the advice that produces losses like 2001 and 2008 then we are going to experience losses as well when future meltdowns happen AND THEY WILL!
There are so many signs for us to see (as described above) to change our PARADIGMS about money but it is only YOU that can change how you THINK by educating yourself through self awareness and not following the crowd!
For those that follow the teaching of Dave Ramsey you may want to click HERE.
Here is one of the fallacies touted by the mainstream financial gurus: ACTUAL ANNUALIZED RETURN vs AVERAGE ANNUALIZED RETURN!
Here is a very basic hypothetical example:
Say you had $100,000 and you invested in a "so called" good mutual fund and received a 100% return in year 1 - you now have $200,000.
Then in year 2 you take a 50% loss so you are now back to your original $100,000 in your account.
Now lets take the 100% gain and subtract the 50% loss and you have a 50% overall gain now divide that by the 2 years and you have a 25% AVERAGE ANNUALIZED RETURN but your ACTUAL ANNUALIZED RETURN was really $0.00 and that is unfortunately the smoke and mirrors that has duped the unsuspecting individual, family or business owner.
Here is a way for you to change your own paradigm and PROVE the value of your current financial strategy! Click HERE to use a calculator (created by colleagues of mine) showing how inflation and losses in the market CAN and WILL have a detrimental affect on your financial future! You can create interesting scenarios with "Investor A" and "Investor B" on this calculator. You can use the following to login or register your own account.
To provide more detail as to the concept I teach that is a complete 180 from the mainstream advice that guarantees you will NEVER lose money please read WHERE to put YOUR MONEY and watch the video "Truth Concepts: Car Financing & Borrowing" that will prove why the mainstream advice is costing people future wealth!
Also you will want to download below and read Infinite Banking - How it Works By Gary Vande Linde. As an engineer Gary needed to demonstrate that a particular piece of equipment or machinery or change in process would generate either increased revenues or decrease cost enough to pay for the modification in two years or less. Gary explains WHY and HOW Infinite Banking benefits personal and business strategies!
For those that learn better visually please click HERE to watch the INFINITE BANKING VIDEOS.
WHY not PROFIT FROM YOUR OWN DEBT like the banks do when you borrow money from them? Would you have more money if you could have all the money you paid for the use of someone else's money (vehicle loans, lines of credit, mortgages, business loans, etc.) OR when you paid cash for major purchases never to have that money grow for you anymore?
To really understand economics and how it affects your financial future & our responsibility to future generations then PLEASE read Economics in ONE Lesson. You will also learn WHAT our role is as a citizen and WHY we should DEMAND LESS TAXATION! This book IS A MUST READ FOR EVERY CITIZEN!
The short essay called The Pension Idea explains why government or company controlled pensions manipulate and destroy the free market. Download below and read & share with anyone you would like as well as any downloadable information on this website.
If I could show you how to create a system to PROFIT FROM YOUR OWN DEBT - WOULD YOU?
If you have any questions or would like to implement the process I teach please complete the form below or you may call, text or email me anytime.
What can I do for you?
Whether individual or business owner I will help you change your paradigms about money so you understand what causes financial meltdowns and how to change your financial future so you have guaranteed growth and turn your liabilities into assets.
My field of expertise
Teach individuals and business owners how to: