Tsunami Destruction

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Dead on Arrival…

A Snowball’s Chance in Hell…

Doomed for Failure!

Your chance for getting a date with that bombshell in the corner?


But I’m referring to something far more important and everlasting…

Your Financial Future!

Whereas you’ve had that bombshell giving you the cold shoulder on your mind all night, your Retirement Strategy probably hasn’t crossed your mind in a while.

If you’re like most Americans, you have a 24% chance of actually having all the assets you need to live the lifestyle you want during retirement.

Why is that?

Because we have become masters at instant gratification and short term thinking. We are good at jumping on the bandwagon when everything is riding high, but forget to jump and take shelter when headed for a land mine!

buying property

In fact, you’re retirement strategy is likely doomed for failure, and will be dead on arrival when it’s time to hang up the spurs.

Over the years I’ve had the pleasure of working with entrepreneurs and professionals from all over the country on their strategy.

Everyone from millionaires with too much money and no idea what to do with it to broke widows living on Social Security and no money in the bank.

Each of these people has fallen victim to what I like to refer to as the

Retirement Killers!

Now there isn’t a one-size-fits-all type of retirement killer out there. In fact, there are seven. However, if you don’t know which one is gunning for you, then you are in for a whirlwind retirement that will kill your hopes and dash your dreams faster than seeing the Bombshell’s boyfriend showing up as you’re making your move!

Ignorantia Juris Non Excusat

Ignorance of the Law Excuses Not!

The fact is that most people go through their days focusing on what they should make for dinner, what their boss thinks of their performance, that jerk that cut them off in traffic, etc.

They remain ignorant to forces beyond their control or the need to understand them. Over time this ignorance transforms into interest, and eventually into a need or desire to take action. Except…

Older Man Sitting on Beach

It’s Too Late Now!

By ignorance of the law, I’m referring to the fact that most people ignore what their future may hold, how much money they will need, or even what they want their life to look like. Sometimes this ignorance shields itself by one of these other killers, but the fact remains that ignorance is the single biggest retirement killer around.

growthConversely, when people think about their future, they think, “Hell, I’ve got all the time in the world to prepare!”

As a result of NOT spending time thinking about their future, they delay the inevitable, and then end up making rash decisions again to catch up.

Not the way to play the retirement game. Time isn’t on your side here, so don’t delay and get started today!



I’m not referring to the interest you earn at the bank…

I’m actually referring to the interest in your future, and desire to make it better. Sure, we all give lip service to our future, but unfortunately most people don’t have enough interest to make educated decisions to get them where they want to be.

Their interest is on getting a promotion, going on that vacation, buying that house or car, etc.

The interest in their lifestyle 10, 20, or even 30 years from now is so limited they won’t take the necessary steps to plan and educate themselves…

Their interest is virtually nonexistent!

(then again maybe it is the same as the interest at the bank!)

“Woe is Me” Mentality

Also known as the victim mentality.

How often do you hear something about the economy, the markets, those greedy banks who took everyone’s money, etc. etc.?

It is a challenge for most people to accept the fact that they are truly in charge of their financial destiny. Much easier to point the finger and place the blame.

But where does that leave you?

You can blame Madoff, Bernanke, Congress, your parents, or anyone you like, but in the end it is still your life. Most people don’t like hearing this because it rings too true…

And because it reminds them of their own shortcomings!

It is also the reason people suffer from the fifth Retirement Killer…

The Principal-Agent Problem

This issue arises when we hand off responsibility of our decisions to someone else, and expect them to act on our behalf.

In the world of retirement planning, this results in handing over the reins of our money, insurance, and some of the biggest financial decisions of our lives to someone else who we believe is better equipped to make those decisions for us.

As a result, when something goes wrong, we can blame the “agent” for the issue (aka broker, planner, advisor, etc.), and essentially wash our hands of the bad decision.

However, the agent still gets paid, and you still lose.

Better to learn how to take responsibility rather than place blame, wouldn’t you agree?

“But it’s hard, complicated, and takes too much time!” I hear people exclaim constantly

Of course, that’s not really the truth…it’s just what we’ve been conditioned to believe and think.

Oh, and if you you try investing in mutual funds and use that model, then yes, it is far too complicated…by design!

How to Reverse the Curse

After you’ve figured out which one (or several) retirement killers you’ve been a victim of, you need to figure out how to reverse course and fix the cause.

To do this, here is my simple four-step system for creating a strategy that will put you on the right path:


Think about what you want your ideal lifestyle to look like when you retire, and start thinking backwards.

How much income will you need? Where will you live? What quality of life do you desire?

This helps give you a retirement goal or income to shoot for. Believe it or not, it is generally a lot less than most people think, but most people never think about it.


Yes, you will need to spend some time learning how to invest and how to save money on everything including taxes, mortgages, credit cards, etc.

One of the smartest moves to make is to start a business of some sort, no matter how small, so you can start sheltering a lot of your money from taxes.

Oh, and stop trading and start investing…traders get raked over the coal with taxes.

Additional Opportunity.

Most people hand over their money to a planner and suffer from the “Park and Pray” syndrome where they just hope the market will always go up.

We know this doesn’t happen, so stop pretending it will!

Start diversifying your portfolio with additional investment opportunities.

You can use private lending, real estate, alternative investments, etc. as a start, and grow from there. Just educate yourself before you make the move.

A simple idea is to invest for the long term in companies that pay dividends and have a record of increasing those dividends.

I bought my first rental property at 21 because I was hung over watching an infomercial one Saturday morning, and in my stupor thought this would be a good way to deal with my debt burdens. Since then I’ve never considered using just one investment approach!


The majority of Americans focus all of their time in their own little world, and never really expand their own personal beliefs.

As a result, they remain stuck in the same patterns that have held them their entire lives!
Don’t make this mistake. Mix it up a little bit and start learning from others.

It wasn’t until I met my first 8-figure mentor that I started thinking about all the possibilities available to me, and now I coach her $50,000 clients!

This type of thing never happens if you remain in your comfort zone and stick to old beliefs.
So get out there, learn what is available to you, spend some time outside of your comfort zone, and start to grow!

You won’t only grow as an individual, but you’ll expand your net worth in the process! Who knows, maybe that bombshell in the corner is a great place for you to start your networking after all?

Yes, that is the PLAN Method. Just remember to PLAN, and you will be on the right track to creating lasting wealth and freedom.

Want to know more?

Click Here to find out how you can get Jeff’s book for just the cost of shipping so you can start to invest differently, build wealth faster, and avoid these five retirement killers completely!

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