1. WE ARE ALL MILLIONAIRES! Teaching Our Students A Lifetime View of Wealth John W. Crane, ChFC®, MBA http://www.cranefinancial.com/

4. Current Trends Affecting Household Cash Flow Management and Wealth Building Initiatives Some Background and Context

5. Agenda for Today PEOPLE ARE LIVING LONGER

6. Agenda for Today POOR HEALTH HABITS ON THE RISE

7. Agenda for Today RATE OF DIVORCE IS ON THE RISE Divorces per 1,000 Married Women

8. Agenda for Today INCREASINGLY VOLATILE MARKET http://bigcharts.marketwatch.com/advchart/frames/frames.asp?symb=djia&time=13&freq=2 (2010-07-09)

9. Agenda for Today SAVINGS TRENDS ARE DOWN http://www.bea.gov/national/nipaweb/Nipa-Frb.asp

10. Accumulation Theory versus Human Life Value

13. Agenda for Today SAVINGS TRENDS ARE DOWN http://www.bea.gov/national/nipaweb/Nipa-Frb.asp

16. Human Life Value

19. Human Life Value and Values Based Decision Making

21. Agenda for Today Net Worth reaches $152,000 by year 30, but when retirement hits and income stops….the income earner quickly runs out of money. Pre-Retirement lifestyle exceeded what was sustainable.

23. Agenda for Today Net Worth reaches $1,580,000 by year 30, continues to increase until inflation gains steam and then net worth declines until death at age 100. ABSOLUTE PERFECTION!

25. Values Based Decision Making Get the Highest Rate of Return with Your TWO Currencies

26. Values Based Decision Making HEALTH RELATIONSHIPS MONEY DESIRED VISION

30. Values Based Decision Making HEALTH RELATIONSHIPS MONEY DESIRED VISION

31. Increasing Our Human Life Value (increasing our Stock Price)

33. Summary & Something Extra

35. Something Extra

36. The Secret to Life

37. Q & A John W. Crane, ChFC®, MBA http://www.cranefinancial.com/

38. 1) 2) 3) 1) 2) 3) 1) 2) 3) The ______________ to ________ 1) 2) 3) John W. Crane, ChFC ® , MBA http://www.cranefinancial.com/ Human Life Value is the Net Present Value of all future earnings less taxes, inflation and personal consumption.