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Multi-Million dollar choices TM

Multi-Million dollar choices TM. Multi-Million Dollar Choices TM. A one-time choice that will increase your Point of Choice assets by multi-millions. R = Recurring. RESIRV. E = Expenses. you choose to. S = Save. AND. I = Invest. in the. R = Right. V = Vehicle.

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Multi-Million dollar choices TM

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  1. Multi-Million dollar choices TM Multi-Million Dollar ChoicesTM

  2. Multi-Million Dollar ChoicesTM A one-time choice that will increase your Point of Choice assets by multi-millions. R = Recurring RESIRV E= Expenses you choose to S = Save AND I = Invest in the R = Right V = Vehicle Multi-Million Dollar ChoicesTM

  3. Multi-Million Dollar ChoicesTM 20 Years Old Saves $1 $1 At age 65 $1 Million Dollar Choice 100% Employer Match Salary Index Match 50% Tax Match One Time $ 110 $ 165 $ 330 $ 578 Annually 986 1,479 2,958 5,177 Quarterly 4,765 7,148 14,296 25,018 14,948 22,376 44,752 78,316 Monthly Weekly 65,917 98,876 197,752 346,066 Daily 464,777 464,777 697,166 697,166 1,394,332 1,394,332 2,440,081 2,440,081 20 Year Old Investor $1.49 $1.00 $.50 $.28 65 Year Old Retiree Daily Investment to have $1,000,000 by age 65 Multi-Million Dollar ChoicesTM

  4. Multi-Million Dollar ChoicesTM Who wants to be a Millionaire? Who Can Make a Million Dollar Decision Today? Monthly Daily Age $ 4.26 $ .14 10 $ 12.81 $ .41 20 $ 38.84 $ 1.26 30 $ 121.45 $ 3.94 40 $ 421.01 $ 13.72 Assumptions: Federal/State Tax – 33% Employer Match – 100% Salary Index Match – 75% Investment Yield – 11% 50 $ 2,407.36 $ 78.69 60 Multi-Million Dollar ChoicesTM

  5. Food MMDollar Choices www.ers.usda.gov. Multi-Million Dollar ChoicesTM

  6. Food MMDollar Choices • Cost of Food • $40 = Average per person per week • $160 = Average per person per month • $1,000 = Family of 4 kids and 2 parents $1,000 $1,000 Multi-Million Dollar ChoicesTM

  7. Food MMDollar Choices • 30 Day Meal Plan • Menus that: • Kids will eat • Easy to prepare • Nutritious • Inexpensive • Can easily be stored • Purchased in bulk • Purchased on sale • 50% reduction in food expense 25% $1,000 $750 $250 Multi-Million Dollar ChoicesTM

  8. Food MMDollar Choices • Million Dollar Choice Multipliers • 20 Year Old – POC at 65 • RESIRV Match RESIRV Match $5,417,250 $250 Multi-Million Dollar ChoicesTM

  9. Food MMDollar Choices • Million Dollar Choice Multipliers • 35 Year Old • RESIRV Match • Tax Match = 50% More Tax Match $5,417,250 $8,125,875 Multi-Million Dollar ChoicesTM

  10. Food MMDollar Choices • Million Dollar Choice Multipliers • 35 Year Old • RESIRV Match • Tax Match = 50% More • Employer Match = 100% More Employer Match $8,125,875 $16,251,750 Multi-Million Dollar ChoicesTM

  11. Food MMDollar Choices • Million Dollar Choice Multipliers • 35 Year Old • RESIRV Match • Tax Match = 50% More • Employer Match = 100% More • Salary Index Match = 75% More Salary Index Match $28,440,563 $16,251,750 Multi-Million Dollar ChoicesTM

  12. Food MMDollar Choices • Aldi Grocery Stores • 40% reduction in food expense • www.clarkhoward.com Multi-Million Dollar ChoicesTM

  13. Food Food MMDollar Choices • www.utahcityguide.com/new/guru • www.mygrocerydeals.com Multi-Million Dollar ChoicesTM

  14. Food Food MMDollar Choices Multi-Million Dollar ChoicesTM

  15. Automobiles Food MMDollar Choices • Multi-Million Dollar Choice • Purchase: • Used • For Value • Drive for 10 years • $300 per Month Savings What is Purchasing for Value? Multi-Million Dollar ChoicesTM

  16. Automobiles Food MMDollar Choices Multi-Million Dollar ChoicesTM

  17. Automobiles Food MMDollar Choices What is Quality? Multi-Million Dollar ChoicesTM

  18. Automobiles Food MMDollar Choices Multi-Million Dollar ChoicesTM

  19. Automobiles Food MMDollar Choices Multi-Million Dollar ChoicesTM

  20. Automobiles Food MMDollar Choices Who Was #1 Multi-Million Dollar ChoicesTM

  21. Automobiles Food Automobiles MMDollar Choices www.edmunds.com 5 Year True Cost to Own • There are eight components of TCO®: • depreciation • interest on financing • taxes and fees • insurance premiums • fuel • maintenance • repairs • federal tax credit that may be available Multi-Million Dollar ChoicesTM

  22. Automobiles Food Automobiles MMDollar Choices Multi-Million Dollar ChoicesTM

  23. Food Automobiles Housing Housing MMDollar Choices Home Purchasing Formula • Monthly Income – Primary Breadwinners • Less 10% for Tithing • Subtract Monthly Debt Payments • Multiply net monthly income by 35% • Do a Fixed Rate – 30 Year Loan Multi-Million Dollar ChoicesTM

  24. The Wealth of Great Health Food Automobiles Housing MMDollar Choices • Average family medical premium $1,100 per month • Harvard Medical School • Avoid 75% of all medical expenses: • Get regular medical examinations • Establish their risk profile • Take reasonable steps to minimize their health risks Multi-Million Dollar ChoicesTM

  25. The Wealth of Great Health Food Automobiles Housing MMDollar Choices • www.medgle.com • www.drugdigest.org • www.hsacenter.com Multi-Million Dollar ChoicesTM

  26. The Wealth of Great Health Food Automobiles Housing Health MMDollar Choices Multi-Million Dollar ChoicesTM

  27. Insurance Food Automobiles Housing Health MMDollar Choices • Life Insurance • Convert cash value to term • Drop ‘limited policies’ • Accidental death and dismemberment • Credit Life • Credit Disability • Travel • Health & Life • Prepare for examination • Homeowners and Auto Multi-Million Dollar ChoicesTM

  28. Insurance Food Automobiles Housing Health Insurance MMDollar Choices • www.term4life.com • www.consumerreports.org/cro/money/insurance Multi-Million Dollar ChoicesTM

  29. Debt Payments Food Automobiles Housing Health Insurance Debt Payments MMDollar Choices • Penalty fees on loans and credit cards • Mortgage redemption • www.consumersunion.org • www.bankrate.com Multi-Million Dollar ChoicesTM

  30. Expense Tracking Food Automobiles Housing Health Insurance Debt Payments Expense Tracking MMDollar Choices • www.mint.com Multi-Million Dollar ChoicesTM

  31. Tax Refund Food Automobiles Housing Health Insurance Debt Payments Expense Tracking Tax Refund MMDollar Choices • IRS Withholding Calculator • www.irs.gov • Personal Taxes • www.finance.cch.com • www.taxsites.com • Business Taxes • www.inc.com • www.smbiz.com Multi-Million Dollar ChoicesTM

  32. Teen Work Opportunities Food Automobiles Housing Health Insurance Debt Payments Expense Tracking Tax Refund Teen Work MMDollar Choices • www.sba.gov/teens/ Multi-Million Dollar ChoicesTM

  33. Teen Education Opportunities Food Automobiles Housing Health Insurance Debt Payments Expense Tracking Tax Refund Teen Work Teen Education MMDollar Choices • www.utahmentor.org/FinAid Multi-Million Dollar ChoicesTM

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