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Win the Money War: Financial Strategies for Economic Security

This e-book by James D. Redwine provides a comprehensive guide on navigating economic threats and maximizing financial tools to secure your future. Learn investing plans, Social Security benefits, home buying strategies, and more. Equip yourself with essential knowledge to thrive in a changing economic landscape. Available on Amazon and Barnes & Noble.

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Win the Money War: Financial Strategies for Economic Security

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  1. Win the Money War E-book: Amazon or Barnes & Noble Face Book: Win the Money War Email: jgredwine@sbcglobal.net James D. Redwine

  2. Purpose • Economic threats • Financial tools • Investing plan • Considerations: • Social Security • Survivors’ Benefit Plan (SBP) • Home buying

  3. Agenda • Situation • Mission • Execution • Service Support • Command & Signal

  4. I. Situation

  5. America Must Cut Costs • National debt = $16 trillion • Soc Sec & Medicare = $48 trillion • Perpetual U.S. dollar devaluation • Print money; Cut benefits; Raise taxes • Riskiest COA = rely on fixed income

  6. II. Mission

  7. Mission • Who: Your family and you • What: Invest to win, not to avoid losses • Where: Discount brokerage & Gov tools • When: Before Gov changes the deal • Why: Econ. threats are forcing changes

  8. III. Execution

  9. Tools • Tax advantaged accounts • TSP (Roth for most; Traditional if high taxes) • Roth IRA • Passively managed funds • Index funds • Index ETF funds • Complementary holdings

  10. Investing Guidelines • Avoid bond funds • Minimize cash holdings • LSI ASAP • Buy & hold

  11. Asset Allocation • U.S. equities (Roth TSP) • Foreign equities (Roth TSP & Roth IRA) • Real estate (Roth IRA) • Precious Metals (Roth IRA)

  12. Historic Returns • 10% U.S. Large Caps • 12% U.S. Small Caps • 10% EAFE • 14% Emerging Markets • 10% Real Estate (REITs) • 3% Gold (Precious Metals)

  13. IV. Service Support

  14. Social Security • Soldiers pay FICA taxes, thus we get SS • Soldier’s benefits (70% - 124%) • Survivor’s benefits (71.5% - 100%) • Spouse’s benefits (32.5% - 50%) • Tactic: “62 / 70 Split”

  15. 62 / 70 Split

  16. SBP • 6.5% premium for 55% benefit • Tax deferred premium • Benefits get COLAs • Life long contract vs. 7-figure disaster • Health? Genetics? Investments?

  17. Buying a House • Live on post: good cash flow + easy exit • VA Loan Prgm: fast, but charges a fee • If buy: 15 year term; 20% down • Brief ownership + minor gains = losses

  18. Monthly Cash Flow * Includes VA funding fee (2.15%).

  19. Mortgage Terms & Interest

  20. Brief Ownership is Costly

  21. V. Command & Signal

  22. Summary • Economy & Gov threaten you • Defenses: Roth TSP + Roth IRA • Invest to Win, not to avoid losses • Hold equities: U.S., foreign, REIT, gold • Social Security: soldier, survivor, spouse • SBP: anticipate survivor’s cash flow • Live on post; or 15 yr term & 20% down

  23. Win the Money War James D. Redwine E-book: Amazon or Barnes & Noble Face Book: Win the Money War Email: jgredwine@sbcglobal.net

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