June 15, 2019

Investing For Your Retirement

SMR 33 | Retirement

 

Visualize retirement like climbing a mountain woodworking all these years, paying taxes, and putting money away so you have money to spend in retirement. However, did you know that paying taxes on social security makes you pay double tax because the money you put in social security has already been taxed? Control where you invest your money intelligently. Diversify out of the market and put it somewhere where you can get a consistent and constant rate of return. Learn the ways you can invest your money and diversify your taxes because anytime you can keep bad Uncle Sam’s hands out of your pockets is a fantastic day.

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Investing For Your Retirement

Lots Of Things Going On

Hopefully, you’ve been paying attention to the news and the economy. Lots of things are going on. The volatility is real. If you’re tired of the volatility, what if I could show you something that gives you a consistent return on your money? What if I could show you something I don’t give? What if I show you something that’s going to pay you monthly income without going into your basis or your principal, earning the interest for one, two or three years? You get paid every month and then at the end of the one, two or three years, you get your basis or your principal back. Does that interest you? This is a way that we go lease land before we drill for oil wells. There is a lot of activity going on just a little bit north of us in East and West Feliciana Parish, Pointe Coupee, Saint Helena in the counties of Wilkinson and the mid-counties in Mississippi.

Two Methods For Seeking Capital

The three main companies up there are EOG, ConocoPhillips and Marathon. Those companies do the same things we do. We’re just way smaller than them and we are not a publicly traded company. Those companies are constantly seeking capital to raise as we are. We just do it through two different methods. We do it through private lenders and this is a way where you loan your money cash or IRA money to the company they have, they use it to go lease land and they pay you back an interest rate every month. You could do the compounding interest where if you don’t want it back, and that’s what most people do that have IRA money, they just leave it in the compounding part of the strategy. A one-year commitment is going to pay you 8% a year and it’s going to pay you every month.

Do the math on that. Put in $50,000 or $100,000 every month. Two years is 8.5%, three years is 9% simple interest. It’s not bad. It’s a good way to receive monthly income without going into your principal and without dipping into your basis. If you need that money later, you don’t need it right now, but you’re just looking to diversify, which is probably a term that’s way overused. If you’re looking to maybe take some of your money out of the market and put it somewhere where you can get a consistent constant rate of return, this is a great place to look, to get educated and to see if it’s a good fit for you.

The compounding yield on one year is 8.3%, two years is 9.23%, three years is 10.28%. You lock your money up for three years. Show me another place, unless you own your own business or something like that, that’s different, where you could lock your money up for 36 months and received 10.28% every year for three years. At the end of the 36 months, you get your basis back and the interest that it made. On the simple interest side, you get monthly income. Those are coming in on the 25th of every month. The compounding side is boring, you just have to look at it.

Does that interest you? Call me 202 SAGE, that’s 202-7243. The website is SageMoneyRadio.com. You can send me an email from there. We are a small company out of Irving, Texas. We’re small in regards to Conoco Phillips, Exxon, and Marathon. I’ve been with this company for many years and it’s been cool to see how they’ve grown in size. When we first started, we used to contract out the geophysicists and the geologists. There are five employees in the corporate office and now there are 27. We have three geologists on staff and a geophysicist. We have our reservoir engineer on staff. It’s cool to see how we’ve grown. This constant rate of return is nice. You do have to pay taxes. This is treated as ordinary income. You owe taxes on this on the gains. In case you didn’t know, in my research and knowledge, there’s nothing else like the tax benefits for investing in the strategy of oil and gas.

It is absolutely amazing and frankly, I’m shocked that more people do not know about this. The reason they don’t is that Wall Street likes everything to run through Wall Street, all the money to filter through Wall Street so they can control it. If you’d call your broker that’s downtown Baton Rouge or he’s in the strip mall and you want to invest in oil and gas. They’re going to more than likely put you in some type of mutual fund that has maybe oil and gas or some energy stocks on the heavy side. They might show you some master limited partnerships MLPs, which by the way, I do like those. You don’t have direct access to a company like this. I’ve met many people. I get calls and emails often on the show and it’s always an education process.

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It’s not hard to understand. It’s fairly simple. You put in $100,000 or $50,000 and you could possibly receive a deduction for the amount you invest in. It depends on when the well is drilled. The law states 85% was the maximum. With the new tax laws that the current presidential administration put in, now they got it where you can accelerate that last 15%. Potentially you could write off. That’s the thing about that. You put in $50,000 and you get a deduction for $50,000. It depends on when you invest and when the wells are drilled. It’s going to be the worst-case scenario, probably 80% deduction and then the first 15% of income every year is tax-free.

Gas is Going Nowhere

If for some reason you don’t need the deduction, you could carry it forward for up to three years. There are a lot of opportunities out there. It’s about getting educated on what is out there. Just because you or your CPA’s never heard about it, it doesn’t mean it’s bad, it’s just new. In my opinion, oil and gas is going nowhere anytime soon. Oil and gas is here to stay. Petroleum is here to stay. There are some crazy, organic, lunatic, radical, socialist people who want to do away with hydrocarbons. They’re not going anywhere. These crazy people want to put laws and they’re going to eliminate all gas field cores by the year 2050. That’s not very far away, 31 years away. It’s not going anywhere anytime soon.

Even though, we’ll tell you we don’t do this for tax deductions. We do this to make money with the tax deductions that make it sweeter. It’s like we get a little fro-yo down the street and we put a little caramel on it to make a little bit sweeter. The tax deductions make it a little bit sweeter and the tax deductions are on the books. I encourage you to look those up and go to the Internal Revenue Code section 263(c)59(e). That is the intangible drilling cost. Look it up and then go to Internal Revenue Code section 611, 613, and then 613(c)6. That is the depletion allowance. The last one is Internal Revenue Code section 469(c)3. That is the passive activity loss rule. You can read and understand what the government was doing back many years ago when this was put in to encourage American independence from foreign oil.

That’s why these laws were put on the books. That’s why they’re still there and that’s why if we needed to, we don’t need this amazing and awesome country that the Lord has put his hand on. We don’t need to import any more oil. There are a couple of different types of oil out there. We got Brent Crude and West Texas crude. There are several crudes out there, but we’re exporting and importing. If something happened and some type of catastrophic event happened, we would be okay. Many years ago, we wouldn’t be. We can thank President Reagan and the people who made these laws because it encouraged entrepreneurs and smart people to find ways to extract oil from the ground, which is amazing the way it’s done. I have yet to go to a well the day that we bring it online. I want to and I am going to in the very near future. I have not done that yet, but I will. It’s cool because there’s a lot of pressure comes up in the oil. You can see the oil comes up with a little bit spills and it starts pumping. That’s barrels of oil per day.

The current oil well package right now, you have to know that there’s a risk involved in this. There’s a risk in everything. This company does a great job of mitigating the risk and keeping it to a low level if you’re looking for a tax deduction if you’re looking for monthly income because the oil wells produce monthly income. Number one, we’re going to hit oil. Number two, what is the price of oil per barrel? Number three, how many barrels of oil per day? When you put your money in an oil well project, the monthly checks are not going to be consistent because there are a couple of factors there. There are some variables that depend on number one, if we’re going to hit oil. Number two, the price of oil per barrel. Number three, the barrels of oil per day. For waiting on that, the government dangles the carrot in your eye with these incredible tax deductions, these tax benefits.

We read something from IRS.gov and MineralWeb.com, “The US government offers attractive tax incentives to encourage investment in domestic oil and gas projects. Intangible drilling costs, which include items such as labor and water. It typically accounts for 60% to 80% of the cost of completing a well and can be 100% tax deductible during the first year. Depletion allowance is a deduction from taxable income that reflects the declining production of reserves over time. Independent producers and royalty owners are permitted to take a 15% reduction to the taxable gross income of a productive well to account for the depletion of reserves. This results in 85% of the income from oil and gas investments being taxable.”

SMR 33 | Retirement

Retirement: Gas and petroleum are here to stay.

 

When I sit down with people and make the introduction to the company, most people would run this by their CPA and very few CPAs understand this. It’s not something you do every day. You’re not going to run across it, but it’s not hard to do because you’re going to have to file an extension on your taxes. It’s not a big deal. Once you receive the K-1 and the IDCs, you give it to your CPA and they take care of it. It’s awesome because I’ve seen people that do this. It drops them to a lower income tax bracket, which is awesome. Anytime you can keep bad Uncle Sam’s hands out of your pockets is a fantastic day.

Myths Cleared Up

There are a couple of myths I will clear up. Myth number one about oil and gas is that US oil supplies have dried up. That’s not true. Some wells have run dry, there is still an abundance of unextracted oil. In November of 2016, the USGS reported the largest estimate of continuous oil they have ever assessed in the United States. The oil reserve was found in a portion of the Texas Permian Basin and contains an estimated twenty billion barrels of oil reserve. That’s where the vast majority of our oil wells are. If you want to hit oil, you go drill where oil is. By drilling in proximity to previously producing wells, we seek to increase the probability of finding extractable oil.

Moreover, by utilizing new technology, we create the potential to extract oil from wells that were previously thought to be non-commercially viable. Those are called workover wells. We have a couple of those. I like the new drilling but some of these wells were capped in the ‘80s and ‘90s when oil prices got low or they thought the well has dried up. It used to be they stick a drill bit in the ground and they would take soil samples every fourteen feet. If the oil was extracted the first two feet, they’d pull up. The soil wasn’t sampled again until fourteen feet later. There could be some oil right there.

The technology is cool and amazing. It reminds me of when my wife was pregnant with my eldest son, Patrick. Back then, you get an ultrasound done. The cool thing was the 3D ultrasounds. There were only two machines in Baton Rouge many years ago that had a 3D ultrasound. The place right down on Jefferson Highway, they advertise and they had a little sign out, “3D ultrasound.” You’ve got to pay cash money for that. Now, most ultrasounds are all 3D and now there are these 4D ultrasounds. That’s been many years of technology. That’s the same stuff that has happened in improving the oil and gas technology. There’s always risk involved. That’s why the government rewards you for taking on a little bit of risk. I’m a very happy investor in these. The monthly income is fairly consistent. Every now and then you won’t get the check because when you bring new wells on, there are expenses. You have expenses before you have income.

Sometimes those expenses will wipe out the income from the oil producing wells. You have to wait for another couple of months, but I’m very comfortable with it. I understand it and I trust the people that I’ve given a vast majority of my investible money to make money. You want your money to make money. There are other ways. I’m not going to sit here and bash the stock market. I know a lot of people have their wealth in there and people make money in there, but I’m too busy to deal with the market. I don’t trust it enough. To me, it’s too volatile for what my appetite of investing is. I’d rather put it somewhere where I understand a little bit more. I know the people involved and look at their track record in and make a decision from there.

The monthly income in oil and gas is a consistent income, but the amount is not consistent. We have to shut a well down for two weeks for maintenance. On the flip side, before we drilled the wells, we’d locked up the land for leases. We paid these landowners some money or maybe do some swapping of land and acreage. There are other companies and we use investor’s money. You caught a lender whenever you sign up and you get paid a simple interest of one year, two years, or three years. One year, 8%, two years, 8.5%, and three years, 9% simple interest that is paid monthly back to you off the basis you put in. It’s not going into the basis or the principal.

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If you maybe have some old 401(k) money laying around or what I called lazy money, IRA money, you want to get a solid rate of return and not being in a volatile market that’s been fluctuating high and lows like crazy. Can you stomach a one-year investment of 8.3%, two years, 9.23%, three years, 10.28%? Can you live with that? Knowing that if you lock your money for three years, there’s nothing to do. There’s nothing to look at. They email your quarterly report. Show me another investment that you can put money in and you know exactly to the penny how much you’re going to get at the end of the one, two, or three years to the penny.

You can’t do that in a stock market. You can’t buy a target date mutual fund and know exactly what you’re going to get. You can’t do that. You can’t even do that in an annuity with all the bells and whistles at. There’s no way people truly fully understand all the annuities. I don’t like annuities, but I had to do some continued education with the company that I’m with. It was all annuities and I was so confused when I left there. There’s no way a person looks at this the first time and understands this. This I understand, I put in $100,000, I get $8,300 a year later. I put in $100,000, I get $9,230 later. That’s actually double that because it’d be compounding. Three years, we get a 10.2% return every year and we’ll lock it up.

Volatility In The Market

The volatility in the market has been substantial in the last couple of weeks. It has dropped. I was talking to a guy and he lost like $11,000 over a week’s time because the market went down. That’s crazy. I find that to be insane. There’s no way you should have your money somewhere. That’s part of the risk. If you understand that and this guy watches his accounts every day. That’s the way I am too. I’m a control freak with my money. I still pick up pennies in the parking lot when I find them. I like to control where I spend money and where I put money. I can tell you right now how much I have in my checking account to the penny.

Doing My Own Investing

I look at it every day. I’m not obsessed with it. My wife and I worked hard for our money. I want to control the money where it goes. There’s no way I would have money in the market. It doesn’t fit me. I lost money in 2001. There was a time in my life for about eight years, I’ve managed nursing homes. I was putting money in the company’s 401(k) and in 2001, it was tanked. I was aggravated and I can remember thinking, “If this ever recovers, I’m never doing this again.” I didn’t and that’s what got me started on a journey of me doing my own investing and running into my good friend and mentor, Mark McKay in Amarillo, Texas.

He had his radio show up there and he helped me start with mine here. I’m very thankful that our paths crossed. We have some commonly show every week delivering some alternative ways for your money to make money. I’m in the beginning stages of writing a book. I haven’t even come up with the name of the book yet. It’s going to be about certain parts of the tax code that I feel should be blasted so people can be aware of them. The great tax benefits of oil and gas, there are people who put money in this every year. They love it because of the tax benefits. We always say, “We’re not investing money for tax benefits. We are putting money in these wells to make money and tax benefits come along for the ride.”

The Social Security Office and the Internal Revenue Service, Social Administration, I know they are two different organizations, but both of them are the government. They do a terrible job of educating the public about paying taxes on Social Security. If you pay taxes on Social Security, you’re paying a double tax because the money you put in Social Security has already been taxed. The way the government defines taxes is so screwed. They call it provisional income. Provisional income is any other income that you have besides Social Security. This is where the government is going to continue to squeeze us, the working people who get up and go to work every day, who have a purpose, raising their family, taking a vacation.

SMR 33 | Retirement

Retirement: If you pay taxes on social security, you’re actually paying a double tax because the money you put in social security has already been taxed.

 

Here they are, paying their light bill, probably paying kids private school tuition, trying to save away money for retirement, giving to the church, giving to charity. The government is going to continue to squeeze us for all the low-range, the low-budgets, and the lazy pieces of crap that get rewarded for staying home. There are no incentives for people to work. When I was a nursing home administrator, I heard a conversation. I wanted to get a little bag of chips and a coke and there were some aged people and they’re talking. I eavesdrop on the conversation pretending like I was deciding what bag of chips to get. They were saying that her sister doesn’t work and she works 40 hours a week and only makes $80 more than her sister who didn’t work and stayed home all day. There’s no incentive to get people to work. Some of that comes from the fire inside of you or the fire in your gut if you want to get up and make something of your life.

“What do you do with your life, Molly?” I always ask my kid all the time. I got my youngest daughter in here, my favorite child looking at me. I always asked them that. The government does a terrible job of educating us and is downright theft. It is theft the way the government taxes us on Social Security. There’s a way around it and it’s legal. The government dangles the 401(k) carrot in front of us. They want us to invest money in the 401(k), to contribute money to the 401(k), but yet they’re going to hammer us on taxes in Social Security down the road. For some people, once we run the numbers, it’s quite significant.

Anywhere from $6,000 to $10,000 a year, you’re going to pay a year. Do the math on that. If you live twenty years throughout Social Security, only because of where your money sits, only because of the type of account that it’s in. Account meaning the government with what we call qualified plan. To me, it all comes down to taxes. The book I’m writing is about taxes and certain parts of the tax code are not talked about a whole lot for whatever reason. I’ve been very fortunate and blessed to find these parts of the tax code to take advantage of every year. I talked about some of these on the show, the oil and gas benefits that I talked about.

The double taxation of Social Security is theft. There’s a way to avoid that. You had to get educated on paying taxes in Social Security. The way it’s set up right now if you are married and filing jointly and you have an income of $44,000 or more, 85% of the amount of your Social Security is going to be taxed, whatever tax bracket you’re in. That’s the million-dollar question, what tax bracket are you going to be in? Who knows? It’s a downright myth because I do some speaking in front of audiences with people and I always ask the question, “How many of you have been told that you will be in a lower tax bracket when you retire?” Always probably 80% of the hands in the room go up. I said, “Whoever told you that,” it’s never been a CPA, it’s usually the traditional financial advisor, “Go see if they will sign and date that on their letterhead so you can come back and hold them liable for that.” That may be true for some people, but it’s not a broad stroke to paint across the canvas for everybody.

I have had clients that are retired that are not in a lower tax bracket. That’s the point. That’s the prize. Postpone the tax now, pay it later because you’ll be in a lower tax bracket. Our country does not know how to spend money. The corrupt piece of crap, baby-killing Democrats are just as bad as the Republicans who say they’re officially conservative but they’re not. Once you get to DC, you become corrupt. I have no faith, none, zero in the system. Both parties are corrupt and don’t know how to spend the amount of money coming in. They always spend more money they take in. There’s not a family in America that can do that. You have to file bankruptcy sooner or later. Do you think taxes are going to be lower in the future? Do you believe that? At my core belief, in my innermost soul, taxes are going to be higher in the future. Everything I’m doing right now as far as strategies of putting money away, I’m counting on taxes being higher in the future. If they’re not for whatever reason, I’ll be okay still, but I’m preparing for taxes to be higher in the future.

Retirement

I think of retirement a lot as climbing the mountain. This is not original. I’ve heard several different people say it like this. I just added my own twist to it. If you think of your working career as climbing a mountain, pretty much when you got to college or when you started working at eighteen, you’re at the base of the mountain. Whether you bust your butt a plant for 30 to 40 years, you’re climbing that mountain the whole time. Visualize climbing a mountain with some friends. What’s the purpose? You want to climb the mountain. Do you want to get to the top? That’s the purpose. I want to master this. I want to complete this task of climbing the mountain. You want to get to the top.

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To me, that’s retirement. Once you climbed on the mountain, you have conquered your labor, all those years of working, paying taxes, putting money away so you have money to spend in retirement. You have money to spend without working. You can spend money without going to work. You work 30 to 40 years, you put the flag at the top of the mountain, and you’ve accomplished it. Now what? If you’re climbing the mountain with a group of friends, once you stick the flag at the top, what do you do? You might take some pictures and all that stuff, then what? You come back down. You got to come back down the mountain.

It’s the same thing in life working in retirement. Once you retire, to me, coming down the mountain is the distribution side of your money. Going up the mountain to 30 to 40 years you’ve worked, you’re accumulating, you’re accumulating and you’re saving, and you retire. Now you got to come down the mountain, come down to distribution. The biggest hurdle or the biggest impediment to wealth building are taxes. I believe that. Coming down the mountain, there are some strategies you can partake in, especially if you’re a couple. You implement these strategies before you retire, before you turn on that Social Security faucet, when the water starts coming out. If you want to avoid the double taxation of Social Security, call me. Let me show you what I’m doing. Let’s have a conversation.

It’s nothing original, but the way the government has incentivized us Americans to continually habitually put money in a 401(k), why in the world would you want to put money into something that’s going to penalize you if you take your money out early? Let’s say, you start working when you’re twenty. You get to be 50. You worked for 30 years. What if you were ready to retire and you had the majority of your wealth? They’re going to stick you with a 10% penalty for taking your money out early. It’s your money. Why would that happen? The 401(k) or the IRA, any kind of government-sponsored plan, you postpone the tax and you kick the tax can down the road. You can’t take the money out until you’re 59 and a half. You have to start taking that when you’re 70 and a half. You have an eleven-year window to spend your money the way you want to. You have eleven years for the government not to tell you how to do what you want with your own money. That’s insanity. It’s your money, but that’s the partnership. That’s the plan you sign up with when you start putting it in the 401(k).

I’m not saying 401(k)s are bad. I understand the contributions. If they were me and I was advising my sister or my brother, I would say only contribute the minimum amount of your cheque to get the match. I would never contribute more than the amount in 401(k). If you want to put that money somewhere else, put it in a Roth IRA. The Roth IRA is great. I can show you a strategy that I’m using that is very similar to a Roth. I call it the unlimited Roth, the Roth on steroids. If you’re open minded, call me. Let me show you exactly what I’m doing with my own money. The 401(k), the taxes in Social Security, there are better places for that. This is not an annuity. I’m not a big fan of annuities. I’ve seen maybe one or two that I would recommend them in my parents, but I’ve never sold an annuity.

There are better places. I’m not crazy about locking my money up for ten or fourteen years. Three years for me will be max. There are no three years. I guess there was a three-year annuity, but it doesn’t pay much. They link all this stuff to the internet. There are many indexing strategies. There are many bells and whistles. I had to do a continuing education class. I call in a friend who sells a lot of annuities and I said, “There’s no way a person can understand all this stuff,” but I understand the attraction to them is for the safety part. You got to be careful with what I call the phantom bonus money. It’s not real. It’s fake. It’s a scam. A lot of it is to put the money in there and they hammer you if you take it out. You have to be aware of that. You have to be aware of the low-paying CDs.

There are other places for you to put your money than the traditional stocks, bonds, mutual funds, the target date mutual funds, the REITs, CDs, other places for your money to make money. You have to get educated on that. Since July of 2012, I’ve been delivering the alternative ways for you to make money on this show every Saturday at 11:00. I’ve been very fortunate and blessed to be around with some very smart and intelligent people that had done very well for themselves, some wealthy people. I have no problem asking them questions, “What are you doing? Where are you putting your money?” I asked these questions and I found a couple of strategies that were very common that wealthy people were doing. You don’t have to be wealthy to do them. All you do is scale it down to your income and into your assets.

SMR 33 | Retirement

Retirement: There are other places for you to put your money other than the traditional stocks.

 

Writing A Book

I’m in the beginning stages of writing a book. I do a lot of reading about taxes and I’m a tax code geek. I don’t think there’s any book like what I’m doing. There are probably six different books. I’m covering about six or seven different topics and there are several books on each of those topics. I’m trying to make one book, one place to go to take advantage of certain parts of the tax code instead of having to read six or seven books. I’m excited about it working with a company out of Florida and it’s cool. Hopefully, in another few months, I’ll have a book probably on Amazon. I’m planning on giving it to my clients and let them read, which most of them are taking advantage of this stuff already but just putting the exclamation point on it. As I say all the time, this is nothing original. All I’m doing is quoting and going over certain sections of the Internal Revenue Code. That’s it.

Still Trying To Learn

I didn’t come up with another stuff on my own. I’m not that smart, but I do have some common sense to align myself with some very smart people. There’s a saying that if you’re the smartest person in the room with your friends, you need to find new friends. At 42 years old, I’m still trying to always learn about things and some of the things I know a little bit about, I’m still trying to learn more about always. I’m not afraid to ask questions and I’m trying to teach my four children, “Don’t be afraid to ask questions. You have to ask questions.” Internal Revenue Code section 263(c)59(e), Internal Revenue Code section 611, 613, 613(c)6, Internal Revenue Code section 469(c)3, that’s nothing original. It has been around for a while. Internal Revenue Code section 7702, 101(a), 101(g)1, 72(e), 72(e)5, 86, this section provides for the second taxation of Social Security.

This is what’s theft. This is crazy to say. I’m not a crazy person but I get angry when I think about Congress. I was probably ten years old when they passed this in 1986. Internal Revenue Code section 86. This section provides for the second taxation of Social Security in tier one retirement benefits because of other taxable income. As a requirement of TAMRA, the United States Government Accounting Office, the GAO was to report to Congress regarding the effectiveness of the revised tax treatment of life insurance and the policy justification for and the practical implications of the present treatment of earnings on the cash surrender value of life insurance and annuity contracts in the light of the Tax Reform Act of 1986. It’s allowing the government to stick us, to hammer us, to punish us. That’s what it is.

The double taxation on Social Security is a punishment for working your butt off for 35 to 40 years and saving money. Think about it. What else do you call it? You’ve already paid taxes on this money and they’re going to tax it again. The government call it provisional income because if you have more than $44,000 or more of other income coming from some other place, whether on the rental properties, dividends, whatever, 85% of the amount your Social Security received, 85% of it can be taxed at whatever tax bracket you’re in. To me, we don’t know it. I don’t know what tax bracket I’m going to be in when I retire at maybe 65. Who knows? If the crazy lunatics take over the majority, they’re going to tax the fire out of us.

Why would I want to put my money in an account that the government’s going to tell me what the tax rate is going to be? I’d take it out. I don’t trust the government that much. I don’t trust the government to tell me what my tax rate’s going to be when I take my money out. There are better ways. That’s what I’m talking about. Have you ever had a conversation about the distribution side of your money? Have you ever looked at ways to diversify your taxes and tax planning? There are things you can do now. You can send me an email from there. We can get together for a hot cup of coffee. We’d get together and discuss a few things. I hope the rest of your day is terrific. God bless you. God bless the USA.

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