1) Dave Ramsey advises saving 15% of $40,000 annually and investing in mutual funds, claiming this could grow to $500,000-$700,000 in 20 years. 2) However, when realistic returns, fees, taxes are considered, the same savings would only grow to around $232,000 after 20 years. 3) Investing the same amount annually in a cash value life insurance policy could provide tax-free death benefits of around $593,000 if the person died at age 52, or ongoing tax-free income and benefits if they lived longer.

1. Changing the Way America Saves Money and
Builds Wealth.

2. Changing the Way America Saves
Money and Builds Wealth.

3. Dave Ramsey
• Opposes cash value life products
• Gives Bad Money Advice
• Lies to the consumer on what is reality
Lets analyze his
so-called “expert
advice.”

4. 32 Year - Old
• Save 15% of $40,000 = $
6,000/year
• Mutual Funds – Inside a
401k
• Die at 52 – no life insurance
• According to Dave Ramsey
has saved $500,000 -
$700,000 in a mutual fund.
This has Nothing to do with Life Insurance
Turning $6,000/year into $500,000 - $700,000 in 20 years
Is this really possible? Lets take a look! Based on Dave Ramsey’s Assumptions

5. Turning $6,000/year into $700,000 in 20 years?
Presto $700,000
Seems a little pie in the sky don’t you think?
You need to Save $6,000 a year
Growing at 15% Compounded Annually
Zero Fees and Commissions - $0.00
Zero Tax Rate – 0.0%
Dave Ramsey Plan Absolutely Pie in the Sky

6. Back Here on Earth lets add reality
• $ 6,000 savings
• 10% Compound Return
• 1.5% Fees & Commissions
• 25% Tax Rate
• $232,000 After-Tax Cash
• Far Cry From His $500k to
$700k He Promised in his
Video.
Dave’s Ramsey Optimistic Plan
lets Cut by 5%
Based on Dave Ramsey’s Assumptions

7. • $ 6,000 savings
• 8% Compound Return
• 2.5% Fees & Commissions
• 30% Tax Rate
• $150,000 After-Tax Cash
• To Wife
• Total investment $120,000
Dave’s Realistic Plan Dave’s Optimistic Plan
• $ 6,000 savings
• 10% Compound Return
• 1.5% Fees & Commissions
• 25% Tax Rate
• $232,000 After-Tax Cash
• To Wife
• Total Investment $120,000
But According To Dave Ramsey’s Video Presto!
$500,000 to $700,000! Is this Reality?
• Based on Dave Ramsey’s Assumptions!

8. The Ultimate! Real life Plan!
IUL Cash Value
Life Insurance Contract with
Living Benefits
• Continue to Save $6k/Year
• Dies at 52 years old
• $593,199 TAX FREE
• Guaranteed To Wife
• No Pie In The Sky
• Based on current Assumptions

9. But What If He Lives?
Cash value Life Insurance with Living Benefits
and Tax Free Income
• Continue to Save $6k/Year
• Stop @52 – Benefits
• Chronic Illness $5,603 per Month Tax Free
• Critical Illness Living Benefits $475,426 Tax Free
• Terminal Illness $449,999 Tax Free
• Income Benefits
• $35,209/Year Tax-Free to age 100
• Total Benefits to Him and Family
• $1,760,540 by age 100
• Dies at 100 - $556,512 Tax-Free to Family
• Total Value: $2,317,052
• His Investment: $120,000
Based on current Assumptions

10. But What IF He Continues To Save ?
Cash value Life Insurance with Living Benefits
and Tax Free Income
• Continue to Save $6k/Year
• Stop @70 – Benefits
• Chronic Illness $25,106 per Month
• Critical Illness Living Benefits $1,000,000
• Terminal Illness $1,165,909
• Income Benefits
• $185,843/Year Tax-Free to Age 100
• Total Benefits to Him and Family
• $5,575,290 by Age 100
• Dies at 100 - $1,342,641 Tax-Free to Family
• Total Value: $6,918,231
• His Investment: $180,000
Based on current Assumptions

11. Dave’s Ramsey’s Famous Quote?
“Live Like No One Else”
Because Your Not Living!