[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ line_height=”30″]Ruddy_7108_smHi. My name is Ruddy Ortiz.

For the last 12 years, as Small Business Consultants and Strategic Financial Coaches, my business partner Matt Sapaula and I’ve been showing people how to effectively manage and grow their businesses as well as their finances. Our greatest passion has always been to help and empower people to live a life of freedom, abundance, power and purpose.[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]We’ve helped thousands of people all over America learn how to better grow, save and secure their money, many of whom have gone on to walk away from their dreadful jobs, retired with guaranteed lifetime incomes and live a fulfilling life.

For years now, we’ve blissfully enjoyed coaching people on how to buy back their time, secure their financial freedom and create a fun, fulfilling lifestyle.[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]A lifestyle that adds value to their families and others. Regardless of their age, background and even if they had little or no spare time or money, we’ve shown them how to win big.

However, life hasn’t always been this exciting for me.

As a matter of fact…[/text_block]

For Most of My Life, I Struggled Financially…

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_margin=”20″]You see, up until 2000, my life was a big mess, in more ways than I even care to admit. Just to give you an idea of how messed up things were for me, all due to the lack of money in my life:[/text_block]
  • I was to never graduate High School, let alone go get a college degree
  • I got married AND divorced, all before I could celebrate my 28th birthday
  • I had to move back in with my mom and sleep on a couch for 9 months
  • I accumulated over $37,000 in credit card debt in less than a year
  • I was fired, down-sized and laid off three different times within 16 months…
[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_margin=”20″]To say that I had absolutely no financial sense or control of my life is an understatement. Yet, I knew that something had to change and that I had to do something to change it.

And “losing” my third job in less than a year and a half became the “last straw” for me and one of the best lessons I’ve learned in my life.

Around the same time that I first landed the job, I had just met a really nice girl and that job was to be my “saving grace”. I mean, how was she ever going to take me serious when I was dead broke and living with mom, still at 28!

It was a temp-to-perm job and I was on a 6 month probation period. If my boss was pleased with my performance, after 6 months, I would be made a permanent staff member, qualify for benefits, 401K, vacation time and the like.

Five and a half months into my probation period, my boss walks into my cubicle to let me know how happy he was with my work. I said to myself “YES!, I’m so in. I’m going to be made permanent.”

Two weeks later, I get a call at my desk. It was the HR Supervisor. She asked me to come to her office. I figured it was to fill out some paperwork and make the whole thing permanent.

I leaped out of my chair and ran so fast to her office that I left my wallet, my keys and my cell phone on my desk in my cubicle.

When I walked into her office, I was greeted by a BOMBSHELL announcement.[/text_block]

It Felt Like A Corporate “Punch In The Gut”

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]“We regret to inform you that we have decided to terminate your contract effective today.” Is what she said to me.

“What?!… But wait! Just two weeks ago, Jim (my boss) was singing my praises!” I replied to her.

“How come now, you’re firing me!?” I asked her.[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]She didn’t even bother answering my question. But what she did do was inform me of the company policy which states that when an employee is terminated, they must leave through the front door only and they cannot go back to their work space, unless they are accompanied by someone.

“But I have all my personal belongings on my desk back in my cubicle!” I explained to her.

At that moment, two big bouncer looking security guards walked into her office to “escort” me to my cubicle so I can get my things.

It was one of the most humiliating moments of my life.[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]After getting my things from my desk, I walked to the parking lot,  got into my car and sat there for about ten minutes trying to figure out what just happened. Right there, at that very moment, I made a decision that changed my life forever:[/text_block]

“Never Again, Will ANYONE Ever Have That Much Control Over My Financial & Emotional Life!”

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_margin=”20″]Immediately, I started looking for ways that I can earn good money, without the need to answer to a boss OR sell away all my time.

As I scoured the internet, I started learning about Marketing and Online Sales. As  time passed, I got good at driving internet traffic to wherever I wanted and began to earn a somewhat decent income as – what’s known nowadays – an Affiliate Marketer.

Eventually, I started helping other people learn how to do the same and built a cushy 5 figure monthly income. That same year, I married the really nice girl I told you about earlier and life was good…or so it seemed.[/text_block]

Why I Ended Up Despising
My $9,000 Per Month Income!

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_margin=”20″]You would think that someone making almost $10,000 per month, working from home would be completely elated, right? Well, not me.   You see, when I was an employee years earlier, I HAD a job. It was crystal clear to me that I was not created to work for someone else.

So when I ventured out on my own as a self employed Marketer, while I was bringing in good income,  the only real thing I did was transition from HAVING a job to OWNING a job!

You see, I was a good technician, but  I was a lousy Entrepreneur. I made the deceptive assumption that many self-employed people make: They THINK that working for yourself is owning a business,when it’s not!

In order for me to sustain that 5 figure monthly income, and the lifestyle we got used to living because of it, I needed to constantly do two things:

1) Service my customers. Although I had an online business, I had people from all over the world, in all kinds of time zones who needed my support at all kinds of crazy hours. I enjoyed working with my customers and clients. What I didn’t like was the amount of time I had to invest helping and serving them.

2) Find new customers. I had to constantly be on the hunt for new clients to service. So I spent a ton of my time networking mostly online,  cold calling and asking people for referrals just to get a new client.

I literally became a slave to my business and I absolutely hated it.

The chilling idea of getting up every morning so that I can be stuck in front of my computer for 13 to 16 hours a day… and doing it every single day for God knows how long, make my stomach churn in excruciating pain.

On top of that…

My perpetual grind was taking a serious toll on my newlywed marriage.  Rosy, my wife, was tired of not being able to spend quality time with me since almost every waking minute, I was neck deep answering support emails and calls, servicing my customers.

In the end, all I really wanted from my business was…[/text_block]

  • The Ability To Make More Money and Scale My Cashflow
  • The Opportunity To Have More Time To Spend With My Family & Friends
  • The Chance To Live a 100% Debt FREE Lifestyle
  • The Privilege of NOT Calling Another Man My Boss & Be My Own
  • The Honor of adding life-changing value to others through my business!
[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_margin=”10″]But at this point I was feeling hopeless and totally discouraged. I didn’t even have it in me to send another support email or call another client.

I was within a hair’s breadth of throwing in the towel and calling it quits.

And if it wasn’t for a fateful phone call that I received one late evening, I’m pretty sure I would have.[/text_block]

The Phone Call That Changed My Life Forever…

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_margin=”20″]I remember it like it was yesterday. Sitting at my computer next to an ever growing inbox of support requests. Desperately wanting to find a way out of my self made ” working jail cell”.

I received a call from a friend of mine who I hadn’t spoken to in quite a while.  After a bit of small talk, he says to me:

“Ruddy, I know two things about you. You like to help people and you like to make allot of money. And I truly believe I have an opportunity for you to do both.” 

He then proceeded to invite me to a privately held meeting that introduced me to a completely new business, industry and world which, after learning more about I wondered why I hadn’t heard more about it before.

What I discovered in that meeting is that…[/text_block]

A Great Deal of What’s Being Taught About
How To Get Ahead Financially In America …



DO NOT Read Any Further Unless You’re Ready To Hear The Truth

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Ok, don’t say I didn’t warn you. Matter of fact, I feel it’s important for you to know that: I’m skating on thin ice here, because what I’m about to say will NOT go well with most of the government policy makers, banking institutions and many people in the Financial Industry.

But let me continue the story of that private meeting because…[/text_block]

It’s A Story That Might Shock
You To The CORE
As It Did Me …

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ bottom_padding=”-10″ bottom_margin=”-25″]Yet, it’s one you absolutely need to hear because it will reveal more about how you too can protect your financial future and also solve many of the financial problems that most peple fall victim to these days… Deal?

The private meeting that I was invited to participate in was an exclusive and very intimate Mentoring and Mastermind Retreat. There were over 70 top Performers, Entrepreneurs and Leaders from various businesses there…[/text_block]


[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]A Beach House belonging to this man… we’ll just call him “R.T.”.[/text_block]
[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]For two full days we stayed at an elegant Beach House off the coast of Pebble Beach, California…[/text_block]

Let me tell you a bit about “R.T.”…

  • He’s been Financially Independent since early 80’s…
  • His Net worth is up in the high Nine Figure Range…
  • He’s Chairman Council To Two Multi-Billion Dollar Co.’s…
  • And he’s Regarded as a GIANT in the Financial Industry!
[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Needless to say, when you find yourself in the presence of a man like this, and he’s willing to share with you the “secrets to the kingdom” and deposit into you words of wisdom…[/text_block]


[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]And that’s what every single person in that room did…

For two full days he shared with us his insights on business, the economy, the American job market and his thoughts about the future of America…

So what does a man like this, who has a good pulse on what’s going on in the world financially have to share with us in that room that day?[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”22″ font_color=”%23333334″]


“I want you to console yourself in times of hunger and destitute with the thought that you were too afraid to commit to succeeding financially!”[/text_block]

That Was His Sobering Advice
To All of Us In The Room…

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]But I’m getting way ahead of myself…

In order for you to really understand what “R.T.” meant by his statement, and for you to appreciate the solutions that I’m about to share with you, I need to go over some very important information with you and show you how it can actually affect you …[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ bottom_padding=”-10″ bottom_margin=”-25″]According to the Champlain College’s Center for Financial Literacy most states fail in passing on their efforts to produce financially literate high school graduates.

Just 40 percent of states were given grades that you would want your children to bring home from school: grades A or B.  Sixty percent of states have grades of C or less, with 44 percent having failing grades of D or F.[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_margin=”-10″ bottom_margin=”-5″]What this tells us is that people in this country are not getting the necessary Financial Education that they need to win in the Personal Finance game.

Clearly, as a nation, we should be able to do better.


Is Financial Literacy Enough?

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]According to some experts, it’s not![/text_block]
[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Dr. Lewis Mandell is a financial economist with a research specialization in financial literacy and a teaching specialization in investments and valuation at the graduate and undergraduate levels.

Here’s what he had to say concerning the need for Financial Education…[/text_block]

Dr. Lewis Mandell

“Financial education doesn’t work when it’s only given in advance of when the consumer needs it.. It needs to be provided at the right time  coupled with hands on coaching, accountability, and a proper game plan  in order to overcome the roadblocks that stand in your way.”

Dr. Lewis Mandell, Professor Emeritus Finance and Managerial Economics School of Management University at Buffalo

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_padding=”-10″ bottom_padding=”10″]Dr. Mandell is a highly respected authority figure in the Industry of Personal Finance. What he’s basically stating is that  you can learn all of the stuff you want; you can gain all of the knowledge you want, but until you have immersed yourself in the proper winning environment, which consists of active and involved coaching from someone who’s “been there, done that” that can hold you accountable and provide a proven and effective plan of action, your chances of success are almost non existent![/text_block]

Then There’s the 7 “Gotcha’s”
of Financial Freedom…

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_padding=”-10″ bottom_padding=”10″]Apart from these major problems, there are also seven major challenges or roadblocks to becoming financially independent. We call them “GOTCHA’s” because they act as financial TRAPS for most people.

And here’s the thing: It doesn’t matter what a person’s income is currently, or what it has been in the past, if they don’t shield themselves and sidestep these 7 financial traps, their future income as well as their financial independence and peace of mind is severely at risk.

So what are these 7 “gotcha’s”?[/text_block]

Too Much Debt

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_padding=”-10″ bottom_padding=”10″]The latest statistics from the Federal Reserve indicate consumer debt in the United States continues to increase, reaching nearly $3.2 trillion in July 2014.  According to statistics published by the Census Bureau, that works out to over $10,200 in debt for every man, woman and child that lives here in the United States.

Anyone thinking that statistic isn’t alarming needs to keep this in mind:  the $10,200 per person doesn’t include debt associated with mortgages.

Roughly 26% of all consumer debt (as of July 2014) is termed revolving credit.  This is credit that is repeatedly available as periodic repayments are made to lenders.  The most common type of revolving credit would be credit card debt.

The other 74% of that debt is derived from automobile loans, student loans, as well as money borrowed to purchase boats, trailers, or even vacations.  In fact, these statistics tell us the average new car loan is over $26,700, and the loan to value ratio is 80%.  That means new car buyers are using down payments that are 20% of the car’s purchase price (last reported 2011).

Clearly, we have become a nation of consumers instead of creators.

In Thomas Stanley’s book “The Millionaire Next Door”, Stanley’s research shows that most millionaires believe in staying out of debt, and believe that’s one of the primary reasons they are financially successful.

The good news for you is that I’m going to show you how you can get rid of every penny of debt.[/text_block]

Rising Inflation

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_padding=”-10″ right_padding=”-10″ bottom_margin=”-15″]Not too long ago, I was talking to a young 21 year old woman…and I asked her a question:

“Whatever happened to Penny Candy Stores?”…

When I was but a boy I remember walking to the corner store with a dollar in hand, I’d buy 99 pieces of candy, pay 1 penny in tax and come home with a huge bag of candy…

As I told my story to this young 21 year old she looked at me and asked: “What’s a Penny Candy Store?” – she’s never seen one. Why? Because Inflation got rid of the Penny Candy store…

You see, Inflation erodes your future purchasing power, and decreases economic prosperity, if not accurately accounted for.[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ bottom_padding=”-10″ top_margin=”-10″ bottom_margin=”-10″]According to InflationData.Com, the Chart that you see here shows the Annual Inflation Rates for each decade going back 100 years. Each bar that you see represents the average Annual Inflation for that decade (not the total cumulative inflation for that 10 year period but how much it increased each year on average during that decade).[/text_block]
[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]The final Yellow bar shows the average annual inflation rate since the government began tracking it in 1913.

As we can see in that last yellow bar, the Average annual inflation rate is 3.22%. That doesn’t sound too bad until we realize that at that rate prices will double every 20 years.

That means that every two bars on average prices have doubled.  That also means that the price has double an average of 5 times since they began keeping records.

Since, 5 x 2 = 10, Five doublings sounds like maybe prices increased by 10 times, right? Or they are ten times as big as they were in 1913. Most people would think that way…[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]This chart actually show’s the real story concerning Inflation:

According to InflationData.Com, since 1913 we have seen a 2,275% increase in inflation.

Yes, that’s RIGHT: 2275% Inflation!

What that means is that something that cost $100 in 1914 would cost $2,375 today![/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Something that costs $100 today will cost $150 in 10 years, $200 in 20 years and $400 in 40 years!

This reveals that it isn’t just a arithmetic doubling, it is a compounding. So just as compound interest can multiply your savings, compound inflation can multiply the effects of inflation and how rapidly your money loses it’s purchasing power.

The declining value of the dollar is one of the biggest threats to people looking to live a life of financial dignity and peace.

People are going to be living in retirement for 20 (to) 40 years. Even at an inflation rate of only 3 percent per year, you’d need to have about double your current income in 20 years just to maintain the same standard of living you have today.

So how do you overcome inflation? It’s simple really: you need to outpace it!

That means you need earn income and/or invest your money in a vehicle that allows you to earn at least 6% on your money. Luckily for you, I’m going to show you how to do exactly that later on.

However, that six percent needs to be earned in a special kind of way…which brings us into the next Gotcha…[/text_block]


[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_padding=”-10″]One of my mentors taught me that taxes aren’t unavoidable, and with the right mindset and financial education, they could even be used to your advantage. Most people will find the idea of using taxes to your advantage as absurd, or impossible.

Today, taxes are killing many people financially. Do you look at your paycheck every month and wonder where all your money is going? I’ll tell you. It’s going to the people who know how to use taxes to make money rather than lose money; it’s going to business owners and investors.

What many people don’t realize is that governments write the tax codes to incentivize investors and entrepreneurs to behave how the government wants them to.

So, for example: if a government wants more affordable housing, they’ll provide some great tax incentives to motivate developers to build affordable housing.

The problem is that the governments still have to pay their bills.

So whom do they tax?

They tax the middle class. And they use those taxes to subsidize business owners & investors who provide what the government wants in order to get tax breaks. Remember all the “bailouts” after the 2007, 2008 Economic Meltdown? Where did all that bailout money come from? Yup. Taxes.

By the way, when I mention investors, I’m not referring to people who put their money into a 401k, IRA or Company Pension Plan.

You see, if you’ve got a 401K an IRA or a Pension Plan, I’ve got some really bad news for you…[/text_block]

Are You Being Led To The Tax Slaughter?

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_padding=”-10″]The IRS wants you to THINK that these so called “QUALIFIED PLANS” are the best ways to save money for retirement and they induce you to max out your plans by giving you “tax breaks” right now and allowing your money to grow tax deferred over the years…sound pretty good, right? WRONG! The fact is that for many Americans putting their money in an IRA or 401K is almost the worst thing they can do for their retirement.

Forbes-2004-Tax-editedAccording to Forbes magazine in December 2004, “Over time most families could end up with nearly all their financial assets in tax-deferred accounts. All that deferral works wonders if you withdraw money decades later at the same or lower rate than you would have originally paid

But federal taxes on salary and other ordinary income are comparatively low now. Considering the current budget deficits and the coming bulge of retirees who will run up Medicare and Social Security costs, It seems likely taxes will climb… Every penny you eventually take from a pretax 401(k) or a deductible IRA is taxed at the much higher ordinary income tax rates.

In August of 2009, Forbes Magazine also wrote…

You might be better off skipping the 401(k). Maybe you should pay tax now… If you are 45 and prosperous, plan on big federal deficits and higher Income.

Let’s take a look for a moment at just how the tax-deferred qualified plans work and why They may be hurt you in the future. Contributions into qualified plans are tax-deductible against that year’s income. This means you will pay the taxes on this deferred income sometime in the future. Does it really make sense to put them off until later? Why defer a bill when you know that it most likely will  get bigger in the future?[/text_block]

Working With Real Numbers…

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Let’s use an actual client case study and illustration to do the math.  Keep in mind that this is just an illustration. Its accuracy cannot be guaranteed, because it is a hypothetical estimate.

Bill, age 45, has been happily married to Beth, age 38, for 16 years. Bill’s plan is to retire at age 65.

Let’s assume that Bill needs to achieve an annual income of $46.610 during retirement. Assuming he will average an 8% return over the life of the investment, he will need $494,229 in order to retire with an annual income of $46,610.[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Like most Americans  Bill has chosen the 401(k) because it will allow him the ability to invest with pre-tax dollars.

During the twenty years of investing Bill saves $3500.00 per year in tax deductions. This is a total of $70,000 of Total tax deduction savings. Sounds good so far, right?[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Saving $70,000 in tax deductions sounds like a great plan… until Bill actually retires.

During the first year Bill draws and annual income of $46,610 but was not prepared to pay the 35% income tax. After paying his tax bill of $16,314, he is left with an actual net income of $30,296.

Not only does this dramatically lower Bills income, but he realizes that if he lives another 20 years he will end up paying $326,270 in income taxes.[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]When he compares the $70,000 tax savings before his retirement with the $326,270 tax liability during retirement he realizes that he will be paying four and a half times more income tax. Maybe this is why the government likes the 401(k) so much.

And that’s assuming that Bill doesn’t experience any form of the next GOTCHA on our list, which is…[/text_block]

Unexpected Losses

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]As you know, the first decade of the 21st century is now behind us and we’re already half way into the second one.

And while it delivered great wealth to a select few, the last 13 years have been a “lost decade” for the average American Family.

The great Wall Street Crash, in 1929 remains the nastiest and most prolonged slump in market history. But during a troubled century, market mayhem occurred with sickening frequency. [/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]What many Americans don’t realize is that we’ve had 10 MAJOR Market crashes in the last century. * The average loss has been 47% every 11 years!

When you add up the wealth that was destroyed by the dot-com crash . . . the housing bubble . . . and now the Great Recession, independent investigations reveal that U.S. households have lost more than $25 trillion over the last 13 years.[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]And while all markets always come back up at some point, the real problem lies in the fact that the more you lose, the more you have to gain to get back to even.  If you lose 10%, it takes 11% to get back to even.  If you lose 30%, it takes 43%.  If you lose 50%, it takes 100%.

Why is it so important for this to be understood?[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Because when you’re 25 and you experience these type of losses, you should have enough time to bounce back and make up for what you’ve lost – but when you’re 45, 55 or, God forbid 65 and you experience these types of losses, as most American’s did not once, but twice during the last decade, there’s no doubt you’re financial future would be devastated.

Especially if you experience the next GOTCHA on our list , which is…[/text_block]

Changes In Health

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]I have a friend who’s 47 years old. Last year, he went in for a routine doctor checkup only to receive some devastating news that hit him like a BOMB SHELL: He found out he had stage 2 Prostate Cancer.

Immediately the doctor began talking to him about treatment: He learned he’d have to participate in 3 rounds of Chemo and two rounds of radiation, which would take about 12-16 months to go thru

When he shared the news with me, he also shared his greatest concern. Here’s what he said:

How Do I provide for my wife & 3 children during this time…
 since more than likely I won’t be able to work while I’m going thru treatment?”

Thankfully, his story has a good ending, which I’ll share with you later in this presentation.

But for most Americans…their reality is a grim one.

According to CNN, an estimated 1.5 million Americans will declare bankruptcy. Many people may chalk up that misfortune to overspending or a lavish lifestyle, but a new study suggests that more than 60 percent of people who go bankrupt are actually capsized by medical bills.

Bankruptcies due to medical bills increased by nearly 50 percent in a six-year period, from 46 percent in 2001 to 62 percent in 2007, and most of those who filed for bankruptcy were middle-class, well-educated homeowners, according to a report that was published in the August 2009 issue of The American Journal of Medicine.[/text_block]

Steffie Woolhandler

“Unless you’re a Warren Buffett or Bill Gates, you’re one illness away from financial ruin in this country. If an illness is long enough and expensive enough, private insurance offers very little protection against medical bankruptcy, and that’s the major finding in our study.”

Steffie Woolhandler, MD, MPH, a staff physician and Associate Professor of Medicine at Harvard Medical School

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]And here’s what’s interesting: The report also revealed that overall, three-quarters of the people with a medically-related bankruptcy had health insurance!

That was actually the predominant problem in patients in our study — 78 percent of them had health insurance, but many of them were bankrupted anyway because there were gaps in their coverage like co-payments and deductibles and uncovered services,” says Woolhandler. “Other people had private insurance but got so sick that they lost their job and lost their insurance.”[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]According to the National Cancer Institute & The American Cancer Society,

One in three women will be diagnosed with some form of cancer in their lifetime. One in two men will experience the same.[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]According to the National Cancer Institute, the median age of cancer patients at diagnosis is 67 years old.

Now, the good news is an estimated 43% of men and 56% of women live for more than 5 years after diagnosis and so they may be cured.

However, the outrageous costs of having to go thru such a traumatic experience can easily leave people completely & utterly devastated financially![/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Add to that the fact that One out of two Americans will require long-term care at some time in their lives, and 40% of Americans receiving long-term care are under the age of 65.2 – you could need long-term care at any time, at any age – whether at home, in adult day care, in an assisted living facility, or in a traditional nursing home.[/text_block]

Are You Ready To Fork Out $90,520 Per Year?

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Because that’s the average private-pay cost of a nursing home – about $90,000 per year according to MetLife, and that cost exceeds $100,000 in some states.

Assisted living facilities average $3,477 per month. Hourly home care agency rates average $19 for a licensed non-Medicare-certified home health aide to $46 for a Medicare-certified home health aide.

With longer life spans, medical costs that are rising faster than general inflation, declining retiree medical coverage by private employers, and almost guaranteed funding shortfalls ahead for Medicare and Medicaid, managing health care costs can be a critical challenge for people when they get older.

And this gets even more difficult for people who can’t over come the next “Gotcha”, which is…[/text_block]

Linear Employee Income

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]I’m a big believer and supporter of The American Dream. By the way, when I mention The American Dream I’m not talking about becoming a home owner as most would identify it. To me, The American Dream is about FREEDOM, and everything that that word represents!

Studies show that over 70% of Americans hate their jobs.  The majority of Americans say that they want their own business.  Every study I have ever seen on millionaires shows that over 70% own their own business.

There’s nothing wrong with having a 9-to-5 job, but figure out a way to have another stream of income. In this economy, most of us can’t count on a life-time job or the job security our parents may have had. So figure out a side gig that will supplement your income.

The world has changed financially speaking.  More than ever people don’t feel like they have job security.  I have heard countless stories of employees that have given 20 plus years to their company only to be let go with very little to no severance package.

So why is it that most Americans don’t have their own business?  There are many reasons that come to mind. Allot of people know that they have less control of their destiny if they work for someone else. The problem is, early education, a large portion of average home life and life’s general experience doesn’t prepare you for being your own boss.Also, things such as start up costs, lack of expertise or knowledge, fear of failure, fear of success and on and on and on… they can certainly get in the way

But what if there was a way to hedge yourself against most, if not all of those risks?

No matter what your situation, you can train yourself to become more entrepreneurial. Even if you’ve worked as an employee for decades. Even if you never had a lemonade stand as a kid.

But if there’s anything that you get out of this message I’m sharing with you today, it needs to be that: you will NEVER experience real financial peace of mind working for someone else.

The Industrial Age J.O.B. Economy is something of the past and every day that passes the  income of the people that still depend on it for a living is becoming more and more extinct.

Currently, that system is good only if your greatest goal is to live paycheck to Sunday and if you’re ok with someone else controlling your quality of life.

But if you want to provide for your family far into in the next decade, let alone leave a legacy that outlives you, using the current 40/40/40 Plan that 97% of the population is on – It’s just not gonna happen.[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Add all six of these “Gotcha’s” together and you can clearly understand why RT gave us the staunch warning that day…[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”22″ font_color=”%23333334″]


“I want you to console yourself in times of hunger and destitute with the thought that you were too afraid to commit to succeeding financially!”[/text_block]

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]I think we can safely say…[/text_block]

It’s Official…

The Traditional American Dream Is DEAD…
And The New Economy Killed It

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]The “old school” politicians, banking institutions and Financial Planners who create their “wealth” selling outdated, ineffective strategies and tools have been teaching us things they know no longer worked because the New Economy had completely changed the game. In fact, they do everything they could to keep people from learning what really works.

And with good reason…[/text_block]

Why Would They Want To Expose The Truth?

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_padding=”10″]When the FACT is…[/text_block]
[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]There’s absolutely NO NEED to keep yourself vulnerable and exposed to these “Gotcha’s”, when there’s a systematic and automated system that can shield you from every one of them.[/text_block]
[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]A system that will AUTOMATICALLY…[/text_block]
  • Disintegrate all of your current debt in record time
  • Discard completely the paycheck to paycheck lifestyle
  • Explode your cashflow reserves and liquid savings
  • Position your money for constant MAXIMUM growth
  • Shield yourself 100% from ALL future market losses
  • Generate a totally tax free Income for your future…
[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]And what you’re about to discover is how you can…[/text_block]

Shortcut The Process…

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Save yourself weeks, months, and possibly even years of frustration, and NO PROGRESS… completely insulate yourself and your family from ALL of the “Gotcha’s” while creating an instant income in NO TIME FLAT.

Using something called…[/text_block]

The MoneySMART
Hybrid Wealth System

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]A system I discovered in that retreat, which has permanently put an end to all my financial problems, and opened the door to a massive amount of money and success.

Since that night, ‘till today, there were…[/text_block]

  • No more endless days slaving away at a computer for hours on end.
  • No more living from one sale to the next, paycheck to paycheck.
  • And no more leaving my family’s financial future in someone else’s hands.
[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Instead, I’ve been able to…[/text_block]
  • Make over $88,000 in passive income my very first year using only the system I learned (and that you’ll have a chance to learn today)
  • Become 100% Debt FREE in just 17 months, all automatically, just following the system.
  • Went from working 12-16 hour days to working 12-16 hour weeks, in a matter of weeks.
  • Expand my business to 7 different States, without increasing expenses
  • Create over $1.7 Million in Assets, that are Inflation Proof, and that pay me tax free income for life
  • Gained access to another $1.275 Million pool of tax-free cash that I can leverage if my wife, my kids or I ever get a critical chronic or terminal illness
[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Regular blue-collar workers, Stay at home moms, and entrepreneurs from all around the country are flocking to our MoneySMART Workshops to come and hangout with us, to learn our step-by-step “Hybrid Wealth” system.

The lifestyle and business transformations and success stories that have come out of these one-day workshops have been amazing.[/text_block]

Many People,Struggling To Make Time or More Money, Now Living a Lifestyle of FREEDOM Doing What They Love To Do!

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Because for many of them, for the first time in their lives, they knew EXACTLY what to do, and had the CONFIDENCE to take action, knowing the results will be huge!

Some have even become mentors to others, and have created success stories of their own.

WITHOUT using “old as dirt”, dinosaur methods still being shoved down the throats of wide-eyed Americans all over the US as your read this.

As a matter of fact, when you do this you’ll discover…[/text_block]

The Entire System Can Be Almost 100% Automated!

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]Which means you don’t need to work IN your business, but instead, like a REAL entrepreneur be working ON your business.

This is the POWER of The MoneySMART Wealth System.

And you’re about to discover how to get your hands on this step-by-step system.[/text_block]

“I’ve been able to take control of my time, go from full time to part time and spend more time with my kids”

– Jennie Diaz, Registered Nurse

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]You’ll have the opportunity to instantly download and access this powerful information immediately.

But first, let’s take a quick peek at what you’ll get inside the The MoneySMART Hybrid Wealth System[/text_block]

  • How you can carve out your share of a 53 Trillion Dollar BOOMING Market, starting TODAY! (this will create HIGH INCOME paydays for you fast!)
  • How to turn $150 into ownership equity in a company that is poised to be a $100 BILLION Giant in the LARGEST INDUSTRY in The World (Page 67)
  • The one wealth building and protection strategy that will help you reach your retirement and financial independence goals FASTER than any other strategy being taught by anyone (Page 17)
  • The absolute BEST WAY to eliminate ALL of your debt QUICKLY without sacrificing your credit (Page 30)
  • The 4 steps to becoming a Hybrid Entrepreneur that builds a REAL business that you own, passive income that you control, all on a less than part time effort.
  • How to get thousands of people to TRUST you, hang on to your every word and help promote YOUR business with a single email. (Page 37)
  • A legal Tax Loophole, unknown to most Middle Class Americans that will save you hundreds of thousands, if not MILLIONS in taxes over your lifetime (page 39)
  • How to protect and even INCREASE YOUR CASHFLOW if/or when health challenges arise in your life (A client created a $10,000 per month income while healing from Stage 2 Cancer using this strategy! – Page 49)
  • The Rothschild Secret: How you too can create your own Family Empowered bank that secure generational wealth for your children’s children (Page 74)
  • Do you want a never ending, ever growing GUARANTEED Income Stream For Life? I’ll share with you how you can start creating one immediately!
[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]This truly is just the tip of the iceberg of what you’re about to discover inside this tightly condensed Million Dollar playbook.[/text_block]

Check Out What Others Are Saying…

“I went from working IN my business to working ON my business and making more money than I ever have before.”

– Bryan Regnier, Business Owner

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]This is what you have to look forward to when you plug into the MoneySMART Hybrid Wealth System and  put it to work for you.

PLUS… when you order this step-by-step blueprint today, you also get these 2 valuable bonuses.[/text_block]

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FAST ACTION BONUS #1 ($97.00 Value – FREE):
Special LIVE MoneySMART Wealth Kickstart Training


[op_liveeditor_element data-style=””][text_block style=”style_1.png” align=”left” font_size=”22″ top_padding=”0″ bottom_padding=”20″ left_padding=”50″ right_padding=”10″ top_margin=”10″ bottom_margin=”20″ width=”820″]matt-ruddy-formalAs a special bonus for getting The MoneySMART Hybrid Wealth System today, I’m inviting you to join my business partner Matt and myself on a one-time-only LIVE training webinar, where we will reveal how you can rapidly apply what you’l learn from the system right away… and show you how YOU can kickstart your business and explode your income using the exact same secrets. Even if you can’t make the LIVE training, the recording will be posted inside your member’s area.[/text_block][/op_liveeditor_element]



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FAST ACTION BONUS #2 ($297.00 Value – FREE):
Ignite Coaching Program


[op_liveeditor_element data-style=””][text_block style=”style_1.png” align=”left” font_size=”22″ top_padding=”0″ bottom_padding=”20″ left_padding=”50″ right_padding=”10″ top_margin=”10″ bottom_margin=”20″ width=”820″]Ignite-Logo My business partner Matt Sapaula, will coach you step-by-step on starting your own business using every single strategy you’ll discover inside The Hybrid Wealth System.

This is by far the most valuable bonus you could ever get your hands on.

The reason an astonishing 95% of people fail in business, even when they have all the right tools and information, is this – no clear plan of action and lack of implementation. members-area

And we’ve solved this problem by putting together a comprehensive 2-part Ignite Coaching Program.

The first part of consists of 4 step-by-step Modules where Matt will personally walk you through the system that will show you step-by-step how to setup your business, investments and other aspects of your life for maximum results.

You’ll discover both the mindset and the skill set you need to creating a true Lifestyle Business. As well as wealth building secrets to help you become totally Financially FREE.

The second part of this program is even MORE EXCITING.

You get THREE 1-on-1 calls with a business coach to help you take action and implement every step of the process.

This is the ONLY true shortcut to building a successful business and it’s as close as we can possibly get to virtually guarantee your success.

Even at $297.00 it’s a complete steal for what you get. However, I’d like to include this as my gift to you when you take action and grab The Hybrid Wealth System today.[/text_block][/op_liveeditor_element]


Are You Ready To Transform Your Financial Life And Kiss Your Struggles & Frustrations Goodbye?

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″]I’ve thought long and hard about how much I should charge to reveal all these business building and income exploding secrets.

After all, it cost me over $250,000 of cash out of my own pocket to learn these same marketing strategies I’m about to hand you and I’m certainly not just going to give them away.

So I think you’ll agree that at $97 it’s a heck of a bargain.

But I’ve decided to make it really a no-brainer for you, and chop that by over 70%. Which means you can get your hands on the entire MoneySMART Hybrid Wealth System in the next 2 minutes for only $27.

Plus remember, I’m also throwing in two valuable bonuses worth $394.00 for FREE.[/text_block]


[op_liveeditor_element data-style=””][text_block style=”undefined” align=”left”]


The Hybrid Wealth System

93 Pages of No-B.S. & No Fluff Guide to Creating Your Own 3 Step Hybrid Wealth & Cash Accumulating Machine on Auto-Pilot!


Yes I’m Ready To Explode My Networth & My Business Right Now

$97 Only $27 Now!


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[text_block style=”style_1.png” align=”center” font_size=”20″ font_color=”%23333334″ width=”600″]

Plus, you’re covered by my NO QUESTIONS ASKED 100% MONEY BACK GUARANTEE.

If in the next 90 days after you get the manual you don’t think The Hybrid Wealth System will help you explode your business and your income, I demand you get a refund.

Simply shoot my support desk and email and we’ll promptly and cheerfully refund your payment. No questions asked.

Heck, you can even keep the copy of the ebook as a gift from me to you!

So as you can see, there’s absolutely nothing to lose.


[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_padding=”10″]Go ahead and order The Hybrid Wealth System right now and I can’t wait to hear about your success.


Ruddy Ortiz

P.S.-  I’ve gotten a number of questions about the system, so here are some frequently asked ones below.[/text_block]

Frequently Asked Questions

  • q-iconWill This work for me?

    YES! As I’ve worked with Small Businesses & Entrepreneurs over the years, I’ve never found a shortage of hard-working, wholesome people willing to do what it takes to win. Unfortunately for them, they were stuck following  tired, old, ineffective processes and strategies to build lasting wealth.  The Hybrid Wealth Formula was born from the mindset:

    “How can I help build real lasting wealth that can’t be eroded by the common pitfalls that plague most Americans trying to get ahead?”

    This was the question that made me search for a better solution. This system was created for anyone looking for a better solution to install both Financial Freedom and Time Freedom into their lifestyle. I can promise you that The Hybrid Wealth System requires no special skills except for the burning desire to succeed.

  • q-iconIs this course worth it?

    I too have been burned in the past buying courses that either didn’t work or were full of stuff I already knew. In fact, I got burned a few times buying overpriced coaching programs and outdated ebooks that offered very little value.

    Which is why I put this offer together with a couple of things in mind:

    * To give you exactly what you need to fully protect your hard earned money from losses, taxes, inflation unexpected health changes.

    * Teach you how you can lower your taxes, boost your credit and grow your wealth 10x Faster… Without Painful Budgeting Or Limiting Your Lifestyle.

    * Provide you with everything you need in one place.

    You won’t be able to find all the information available in The Hybrid Wealth System for less than what you are paying today.

    It simply isn’t possible — trust me, we’ve proved it!

    So I would have to say that you are either insane or not serious about your financial freedom, if you’re not willing to invest $27 and change your life. This is a bargain. Period.

[text_block style=”style_1.png” align=”left” font_size=”20″ font_color=”%23333334″ top_padding=”10″]P.P.S. Remember, you literally have 90 days to try out The Hybrid Wealth System and have it produce results for you. If you are not completely satisfied, simply visit within 90 days of your purchase, request a refund and we’ll process it immediately.

Ready to kick the old school “waste of time and money” tactics to the curb?

Click Here to order the The Hybrid Wealth System and let’s change our financial live’s together.[/text_block]

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Income Disclaimer: While every effort has been made to accurately represent our products and their potential there is no guarantee that you will earn any money using the techniques and ideas in this system or any of these products. This is information designed to help you understand the specific information covered. It is not an attempt to render tax, legal, financial or business advice. We do not purport this as a “Get Rich Scheme”. This is not a business opportunity. How you use the information is entirely up to you. While every effort has been made to accurately represent the information along with my opinions and insights, any claims made or examples given, although believed to be accurate, should not be relied on in any way in making a decision whether or not to purchase.


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