Dave Ramsey is he for REAL!!!

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!