important, once deposited into a bank, you become an unsecured creditor of the bank. As you can tell, the VOLUME of interest is the real issue, not the annual percentage rate. It's like going to the doctor's office to get a shot of some kind — it is not the rate at which the medicine is injected into you — it is the volume! Too little and it won't do any good — too much and it may kill you! Remember the basic principle, you finance everything you buy. You pay cash and give up the opportunity to earn interest, or you borrow money and pay out interest to someone else. In both scenarios, you lose money which is called "Lost Opportunity Dollars." There are no exceptions. As mentioned earlier, the average American spends as much as 34% of all of their after-tax income on interest for their mortgages, car loans, and credit cards — and they save less than 5%. Yet most financial advisors focus on getting a higher rate of return on the 5% of savings—completely ignoring the volume of money spent on interest! What a tragedy and what a mistake! Let's have a conversation and change that scenario for you and your family. By using Privatized Family Banking (PFB), you will be able to recapture some of the Lost Opportunity Dollars you are currently losing. You are about to see the power of being in control of your own money through Privatized Family Banking (PFB). It requires no guesswork or luck, just some guidance from a professional who is trained in helping you find the money by recovering Lost Opportunity Dollars (LOs) through a simple planning process. One note of importance — I recommend you only work with a true professional who understands the 580 IRS Code for Retirement Planning and the 7702 IRS Code for Retirement Planning. I have seen life insurance agents cost people large sums of money, and that is why I only recommend comparing a Universal Indexed Life with a death benefit, a whole life policy with an A+ Superior rating and a Standard & Poor's AA, and at least a 95 out of 100 on the Comdex Ranking system. Each policy
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