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]
“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]
“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]
“Never Again, Will ANYONE Ever Have That Much Control Over My Financial & Emotional Life!”
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!
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!
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…
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 …
Is A BIG FAT LIE!
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 …
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]
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!
YOU PAY CLOSE ATTENTION!
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]
That Was His Sobering Advice
To All of Us In The Room…
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]
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]
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]
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]
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]
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?
According 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…
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]
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]
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]
And that’s assuming that Bill doesn’t experience any form of the next GOTCHA on our list, which is…[/text_block]
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]
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]
Why is it so important for this to be understood?[/text_block]
Especially if you experience the next GOTCHA on our list , which is…[/text_block]
Changes In Health
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]
“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
“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]
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]
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]
Are You Ready To Fork Out $90,520 Per Year?
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
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]
The Traditional American Dream Is DEAD…
And The New Economy Killed It
And with good reason…[/text_block]
Why Would They Want To Expose The Truth?
- 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…
Shortcut The Process…
Using something called…[/text_block]
Hybrid Wealth System
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.
- 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
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!
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!
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]
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!
Will 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.
Is 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.
Ready to kick the old school “waste of time and money” tactics to the curb?
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.