It all begins here. If you don’t save, or if you don’t save enough, you will never become financially free. Saving systematically and automatically is the first and most important choice that leads to financial freedom.

What kind of protection would you want if you knew you were going to get sued, knew you were going to have major health issues, knew you were going to become disabled, or knew you were going to die tomorrow? That’s the kind of protection you should have today.

There are three reasons people don’t have their maximum protection:

1. They don’t know their options.

2. They think it will cost too much.

3. They don’t think it will happen to them—at least not yet.

We help our clients understand what their maximum level of protection is and guide them in finding a way to obtain it.

Most retirees are afraid to use and enjoy the wealth they’ve created. Why? Because they don’t know how long they’ll live or how much things will cost. They just know those costs will probably continue to rise. What also concerns them is their inability to replace the assets they might spend. As a result, they often avoid using their assets.

Who benefits when people are afraid to spend their money? Financial institutions. In fact, they encourage strategies that lead directly to this situation.

But what if you had the ability to replace and restore 100% of your assets to your surviving spouse or loved ones when you die? How would that change things?

That’s exactly what this principle does—it removes the fear of using your assets while you’re alive.

Liquidity is essential for avoiding debt, and it’s also key to taking advantage of the best investment opportunities in the world. Cash truly is king when it comes to wealth creation.

Most people never reach the point of having sufficient emergency income storage, let alone enough money to participate in the best investments.

Why not? Because they’re usually unconscious spenders, doing exactly what Wall Street wants them to do: putting their money in accounts that are illiquid, unusable, and inaccessible for long periods of time

If you want to win the game of money, you can’t do what financial institutions want you to do. You have to do what they do and focus on what they focus on.

So, what do they do? They strive to get as many uses out of the same dollar as possible. They care more about the rate at which the money returns to them than the rate at which it grows. They know that the more times they can use the money, the greater velocity it will have and the more wealth and benefits it can create.

As Principles-Based Financial Planners®, we teach you how to create greater velocity with your money by helping you retain control and use of it throughout your lifetime.