The Game Changers Financial

Do you know how much life insurance coverage you have?

Life insurance is an essential part of your financial plan. But it can be confusing, and many Americans don’t have enough coverage. That means you could be putting your loved ones at risk financially if anything were to happen to you.

Many people don't know that covering 10x your income is just the starting point for proper protection.

Sounds expensive, but you need to look closer into it before you decide you can’t do it. You may be pleasantly surprised…

As an example, if you earn $50,000/year, you should consider $500,000 in coverage. At a conservative 5% rate of return, that would replace half of your income.

You and your financial professional should cover:

✔️ Your Short-Term and Long-Term Debts and Outstanding Loans
✔️ Your Financial Goals
✔️ Your Mortgage or Rent Payments
✔️ How Much Your Children's Education Could Cost

Did you know you're kind of a superhero?

If your family depends on your income, life insurance could be an important part of their future financial security and well-being.

You’re probably thinking about how to protect your family from the unexpected. Life insurance is one way you can do that.

It provides financial protection for those who depend on you, so they don’t have to worry about money if something happens to you.

And it doesn’t cost much – especially when compared with the peace of mind and security it brings.

Do you know the right type and right amount of life insurance you need?

Whether you're a parent, entrepreneur, or student, you must understand the significance of your coverage. After all, you're relying on that policy to protect your loved ones.

Each year delaying to put life insurance in place prevents your family from dependable financial security. So don't wait any longer—you can message me and figure out a calculation of your family's needs right away.

When you know how money really works, it changes your financial story.

Today, we all know how devastating a global medical crisis can be. Not knowing about money is the economic version of a global crisis—and it impacts over 5 billion people in the world.

Did you know that almost half of Americans don’t have enough to cover a $400 emergency? Or to make their student loan payments on time? Or to pay off their credit cards? Or even consider retiring?

Here’s the good news—with knowledge and action, we can change these numbers.

A new financial reality + a new financial mindset = a new financial future

Here's a heavy question—what would your family do without your income? How long until they faced financial hardship?

That's the reality families face when they lose loved ones who are also financial providers.

Life insurance can help you face this reality with peace of mind. That's because it can replace your income with a one-time payment of cash called a death benefit.

That death benefit can give your family a financial cushion if you were to pass away.

Is your family prepared?



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*“COVID-19 Drives Interest In Life Insurance,” LIMRA, 2021

Protecting your income and wealth is Milestone #2 for a reason—you must put the proper protection in place as soon as you can.

This can be a crucial part of planning for retirement or if you have dependents who rely on your income.

You know that your family is the most important thing in your life. But what would happen if something were to happen to you? Would they be able to take care of themselves without your income? Will they have enough money saved up for emergencies?

It's time for peace of mind knowing that if something happens, you thought about your future, your money has the proper place to go, and those who depend on you will be taken care of.

Want a free copy of our book HowMoneyWorks? Message me and I'll send one out to you.

Are you looking for a way to protect your family from the potential loss of income?

Life insurance is an essential part of any financial plan. It provides a financial safety net to guard yourself and your family – especially with the options that are available today.

🤔 Wondering whether it's term or perm you need?

One may not be better than another; it's about finding what's suitable for you at this stage of your life. Let me know if I can help you figure out your needs.

Did the affect your financial goals?

Many of us have had to re-think our spending, saving, and budgeting methods as we adjusted to life during the pandemic.

Post pandemic, we found that having the proper protection in place and educating yourself on how money really works is the key to financial stability.

If the pandemic affected your income, debts, or your relationship with money, I want to hear your story. ⬇️

It's not your imagination—shopping HAS gotten more expensive over the last year.

What's been the greatest sticker shock you've felt in the last year?

What's your strategy for combating inflation?



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"Grocery prices are rising: Expect these 5 foods to cost more this summer," TODAY, Jul 15, 2021

It's all over the news—inflation has been through the roof.

But what does that mean for YOU?

For starters, it means that your everyday shopping bill will likely increase.

It also means that businesses more have harder time cover costs, leading to more layoffs.

Finally, inflation can hamper your ability to build wealth. Unless it's growing, the money you save today won't have the same purchasing power when you retire!

How have you noticed the impact of inflation?

You know you've needed to take action on managing your money better but you didn't know how. Message me to learn how!

If you want to know how money works, then you need to read this book. It will change your life and the lives of those around you by teaching them about finances in an easy-to-understand way.

This is not just any old book on finance; it's been featured on over 100 interview shows in 2020 and is helping solve the problem of financial illiteracy–the #1 economic crisis in the world. All you have to do is read it!

Interested in a free copy? Message me and let's start your journey of financial education.

Do you feel like you've been dealt a hand of sucker cards? You might if you're facing inflation with...

- Stagnant income
- High living expenses
- Low interest savings

But here's the good news—you can reverse each of those... if you learn how money works.

It's why I recommend the How Money Works book. It shares strategies that can help you overcome inflation.

It’s been yet another wild ride of a year.

It’s had its highs and lows.

New experiences that will slowly become treasured memories, and hardships that will fade into time.

So take a cup of kindness this New Year’s Eve. You’ve earned it!

Prices keep rising while your income stays the same.

Sound familiar? If so, you're not alone. Most Americans have seen their wages barely increase as prices have skyrocketed.

They pay you the same. You pay them more.

But inflation is beatable, if you can...

- Increase your income
- Leverage time and compound interest

Ask me for a copy of the How Money Works book. It explores how these concepts can give you control over your financial future.



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"Value of $1 from 1980 to 2021," CPI Calculator
Federal Reserve Economic Data, accessed 2021

Do you want to work an encore career? If so, you're not alone! 74% of Americans WANT to keep working past retirement age.

That's right, they prefer their career to the stereotypes of retirement.

You're bad with money...or know you can be better.

This book is one of the easiest ways you can get a financial education. It’s a must-read for anyone who wants to be financially literate and have control over their money.

You can get it free today by messaging me!

The book teaches people about all aspects of finance, from budgeting to savings, so they can live life with less stress and more freedom. And it does this without any jargon or complicated concepts--it's written in plain English for everyone to understand.

Once you read it, there will be one less sucker in the world! One life changed at a time. Want a free book? Message me today!

Which of the following strategies are you using to beat inflation?

Bonus points if you're using more than one!

What are your thoughts about this quote?

Fighting winter’s chill under a stack of blankets in February is miserable.

But in December, there’s something warm and calming about it that defies words.

So here’s wishing you all the comfort and joy that only Christmas can offer.

Why do you insure your car? Because it's costly to replace.

Why do you insure your home? Because it's even more costly to replace.

The same is true of your income, but on an even larger scale... and with much higher stakes.

The power of life insurance is that it protects your income, one of your most valuable financial assets.

If you pass away, your family doesn't only lose you. They lose the protection that your income provides.

Unless, that is, you have life insurance. It can give them the cash they need to help maintain financial security while they plan for the future.

Is your income covered?


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* “Average new car price absurdity continues, blasts past $40,000,” Roadshow, June 2021
** BLS, 2020

Which quadrant does your cash flow come from?

Do you know how money works? If not, this book is for you. It’s a quick read (less than an hour) that will change your life.

You can get it free today by messaging me. This book was featured on over 100 TV interview shows in 2020.

The world needs more people who understand how money really works and the challenges we face as a society because of financial illiteracy. This book will help to solve the problem and make one person smarter at a time. So what are you waiting for? Read it today!

Message me now to get your free copy of HowMoneyWorks Book!

Millennials are closing the wealth gap. NPR reports that they made wealth gains of 80% between 2016 and 2019.* It's a testament to their resourcefulness and hard-work.

But have they been taught how to manage their new wealth? It's unlikely. Where would they have learned? Not from their parents, and certainly not from their schools!

What Millennials now need are educators to help them close the financial literacy gap as well. Whoever comes to their help stands to solve one of the greatest problems we face today.
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"There Is Growing Segregation In Millennial Wealth," NPR

Did you know that a surprising 64% of Americans don't have an estate plan in place? That's not all—the number is even higher for younger people.

That's why it's important that everyone consider putting their estate plans in place now. When the inevitable happens someone will know where your assets are going, how they should be cared for and who gets them after a certain period of time.

There are plenty of options on the market that suit every budget. It's never too early to plan for the future.

Do yourself and your loved ones a favor by putting this Milestone in place right away.

If you had unlimited money, how would you celebrate your anniversary with your SO?

It's one of the best investments you can make. Relationships are the greatest form of wealth you have.

It's more than sentiment. The Harvard Grant Study proved that healthy relationships determine life satisfaction.

There were also links between healthy relationships and longer life.

With all that in mind, how would you celebrate your anniversary?

Wealth is more than money. Money is here today and gone tomorrow.

Wealth exists where wise people use money to build a more secure foundation for a better life.

They use money to help remove uncertainty about the present so they can dream about the future.

What does wealth look like to you?

Make no mistake—you WILL feel the impact of inflation. The question is are you prepared for it.

What's your strategy to contend with rising costs?



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"Average Household Cost of Food," ValuePenguin

Message me for a FREE copy of our best-selling book on personal finance.

This book is the first of its kind. It’s a comprehensive but approachable guide that will teach you all about money, from what it is and how it works to why we need it in our lives.

You’ll learn about the time value of money, simple vs. compound interest, and the 7 Money Milestones. And if you read this book with an open mind, there's no telling what could happen next!

If you can't afford the time or cost for this book right now but still want to understand more about finance, then message me today and I'll send you a free copy!

Together we can solve financial illiteracy–the #1 economic crisis in the world–and make one life at a time better off than they were before they read my words.

How much do you think life insurance would cost you per month?

Hint: divide your guess by six!



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* “Top Misconceptions About Life Insurance” LIMRA, 2021