There are so many people that follow the advice of the “Gurus” like Suzie Orman and Dave Ramsey.  How many of them actually question the advice and look closely at the starategies?

Traditional Planning doesn’t really have much planning at all.  It’s mostly just selling you a product by showing you a nice projection that assumes everything will be perfect in the future.

Stop for a minute and think about it.  Over the last ten years, have you ended up where you thought you would?  Did those words “the market historically has paid 12% interest so you should be able to get something in that neighborhood” actaully happen to you?  If it didn’t, why would you follow the same advice for the next ten years that has already been proven to fail?

The Industry refers to the last 10 years as the lost decade!  Look at what Sam Stovall said…

“I’ve lost a bet.  I’ve lost my keys.  But I’ve never lost a decade – until now.” - Sam Stovall, S&P’s chief strategist

The S&P 500 ended the past decade down almost 25 percent below where it was ten years earlier.  And that doesn’t even factor in the 29% inflation we experienced during the decade.

Since the end of 1999, the S&P 500 stock index has lost an average of 3.3% a year, on an inflation-adjusted basis, even after including dividends, according to the data compiled by Charles Jones, finance professor at North Carolina State University.

Let’s take a look at some side by side facts and compare your plans with the Infinite Banking Concept: