25 responses

  1. Tim Arensmeier
    September 21, 2011

    I believe the answer started at 4.5% but was readjusted down to 1.5% for inflation.

  2. Tim Arensmeier
    September 21, 2011

    It’s not a scam. I’ve been working it since starting with it for several years now, and am building my wealth.

  3. Ron Portzer
    September 21, 2011

    Insightful! “Yon” seems to be coming around slowly. That’s the way it works much of the time when introduced to a better idea. I’m reminded that the best way to become a millionaire is to stick your head above the crowd to see which way it is going and run as hard as you can in the opposite direction.
    Earl Nightingale suggested that the best way to never make another mistake is to do the opposite of what the majority are doing. Regardless of my frail explainations of why BOY is the way to go I’m not swayed by the “nay-sayers”. Emerson said that “for nonconformity the world whips you with its displeasure”.

  4. Lisa Brink
    September 21, 2011

    His annual return over the past 29 years was 4.5%, after inflation and taxes he was looking at next to NOTHING for return!!

    I really enjoyed reading “Bank on Yourself,” Pamela and thanks for the google tip to research!! Keep up the excellent work!!!

  5. Ron Portzer
    September 21, 2011

    Oops, I failed to record “Yon’s” annual rate of return. According to his figures it was about four-and-one-half percent. In real terms after taxes it would have probably been about one-and-a-half percent!

    Ron, in followup to first email of 9-21-11 @ 2:11 pm

  6. Jim Vardaman
    September 21, 2011

    I am now 61 and started a BOY policy for my wife about 1.5 years ago and one on myself earlier this year. It is a way to “save” for our retirement. I’m sold on the product! One day my advisor asked me if I heard of BOY and I said yes but I never got around to finding an advisor. It turns out he was one…cool.

  7. LaNell
    September 21, 2011

    Answer to question from audio about “Jan” after 29 years of investing:
    4.50% was his annual return BEFORE taxes and inflation.

    Good info and sales tactics. Believable…

  8. Bryson Folse
    September 21, 2011

    1.5% after tax and inflation which is not good! Jim Rohn once said break away from the 90% of U.S. followers and join the 10% who control their finances! I have so should you!

  9. Joeyb
    September 21, 2011

    4.5% !? Then pay taxes on that? No thanks. I now leave my Dow Jones anxiety at the door. Easy, and profitable.

  10. Lynne
    September 21, 2011

    4.5% before figuring on everything that comes out which left a zero return. This was very interesting! thanks so much for sharing!!

  11. Paul Simon
    September 21, 2011

    4.5% except for tax and inflation 1.5%

  12. Karlos
    September 21, 2011

    Less than 1.5 if any after tax deferred programs are paid.

  13. Greg Holman
    September 21, 2011

    4.5% rate of return before inflation, 1.5% after inflation, but before taxes…
    YIKES! I love the ROTH nature of the BOY plan!

  14. billy cross
    September 21, 2011

    Hi, my name is billy cross and i,m just replying with the answer to her question in the e-mail. It is 4 and 1/2 percent. Thanks.

  15. Michael Hilton
    September 21, 2011

    Answer to your question: 4.5% for the anonymous investor; but I believe you said 3.83% overall average.

  16. Dan
    September 22, 2011

    Wow. I had the exact same experience when investigating BOY before starting my own plans (have multiple policies and am LOVING the results – exactly as predicted or better, no surprises and I sleep well at night). I made the same Google search and spent hours poring over the posts. What struck me was that nobody ever presented any evidence of any kind of scam. Some folks disagreed with the assumptions or touted their wildly inaccurate assumptions about equities as a more attractive alternative, but never did anyone have anything remotely scam-ish to report.

  17. Fernando Aguirre
    September 22, 2011

    Yon had 4.5% return for the last 29 years

  18. Pat Flikkeshaug
    September 22, 2011

    The answer to the critic’s rate of return is 4.5.
    I did check this out, but it was 7 years to just break even on my investment.
    As I am retired, it doesn’t seem that there is time for BOY to work for me.

  19. A. B. Jones
    September 23, 2011

    The critic’s return after 29 yrs. was approx. 4% before taxes and inflation was factored in. i will google the questions, talk with my “richer” friends and seek an analysis from BOY.

    I’m a 60 yr. old but am re-evaluating my financial advice to my 25 yr. old college grad, my 18 yr. college freshman and my 17 yr. high schooler. Thanks

  20. corey kaminski
    September 23, 2011


  21. John
    September 23, 2011

    I LOVE my BOY plan, it does everything I was promised and more. I’ve not borrowed a penny from a bank or credit card in over a year. Why should I? I lend it to myself! And if you want a scam, I have two words for you … Wall Street

  22. Rebecca
    September 23, 2011

    No….not a scam. When you do the maximum allowed in your policy(s) it will blow you away at how they turbo charge. I got my first policy 7 years ago. I now have 6 and am about to get a 7th. I am maxed out. I cannot get anymore. It took dedication early on but once it kicked in and more important, once I put the maximum in my Paid Up Additions Rider (keeping it below a MEC)I was amazed. I am about to pay my mortgage off at the bank and finance my home though my own bank. I am my own banker and it is awesome! I tell everyone who will listen.

  23. Robert Jones
    September 24, 2011

    Answer 4.5% over 29 years

  24. Bill Wachter
    September 24, 2011

    4.5% per year not including inflation or taxes.

  25. William Williams
    September 24, 2011


    I don’t know where to start! Coincidently, I googled BOY just a few minutes ago because I wanted to find Bank on Yourself Nation, which I still did not, but I did find the scam.com as referenced. So, I clicked on it and started reading. Cut to the end, as you point out in the podcast, you’ll find skeptics and defenders, with the defenders turning the skeptics around. If you think about it, we were all skeptics before becoming enlightened!
    The return “yon” received is somewhat hard to believe for a variety of reasons. If we are looking at the average investor, I would ask what happened in 1999 to 2001 and 2008 qand how did he/she avoid taking the huge loss that most of us experienced. And, what about the last few weeks, including last week? I’m smiling! Thanks, Aurael!

    Bill Williams

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