Enter below to win these prizes!

You could win an iPod Touch, $100 Amazon.com gift certificate, a $25 dining Certificate and more!

In case you missed last week’s contest, I had posted a podcast discussing some of the internet forums where people anonymously debate the merits of Bank On Yourself and discuss whether or not it’s a scam.

On one of those threads that comes up very high in the search results, one of my toughest, potty-mouthed critics has slowly come around and admitted I’m right about many of the points I’ve been making.

When challenged by another poster about the actual returns people get in the stock market, he dragged out 29 years of records of his own investing accounts, and was shocked to discover what his returns had actually been.

The contest was simple to enter – just listen to the podcast where I revealed what my critic discovered was his actual annual rate of return BEFORE accounting for inflation and taxes… and then tell us what the percentage was.

Since the contest has ended, I can reveal the answer now.  My critic averaged a 4.5% annual return over the past nearly three decades of investing in the stock market.

That’s BEFORE accounting for inflation, which averaged more than 3% per year, bringing his real return down closer to 1% per year.

And since much of his investing has been in tax-deferred accounts, he has yet to pay taxes on that money.  Of course, he doesn’t know what the tax rates will be during his retirement, when he’s taking income from those accounts.

But what direction do you think tax rates will be going over the long term?  (If you said “down,” I’ve got a Rolex watch I’ll sell you for $20.)

When you account for inflation and taxes, the question that ought to hit you over the head is…

Was it worth it?!?

Was it worth all the roller-coaster ups and downs and the sleepless nights to get 4.5% per year before taxes and inflation?

As I pointed out in the podcast, Bank On Yourself can beat that with a stick.   And without the risk or volatility of traditional investments.

My critic’s experience wasn’t unique, although I’ll commend him for actually looking at his statements and then being willing to admit publicly – if anonymously – his disappointing results.

One subscriber to the Bank On Yourself blog made a similar discovery and posted this comment on last week’s blog:

Wow. I had the exact same experience when investigating Bank On Yourself 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.”

This comment came from Dan Proskauer, a very analytical man who has spent literally hundreds of hours researching Bank On Yourself, running spreadsheets and crunching the numbers.

He says the Bank On Yourself method looks better the more he studies it.  Dan revealed the conclusions of his research in an interview I did with him last year.  I’d encourage you to read or listen to it.

And this concise comment made last week by a subscriber named John really summed up what a lot of people are (finally) figuring out…

I LOVE my Bank On Yourself 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”

Now for the details of our NEW contest…

A comment was made on the same thread that debates the merits of Bank On Yourself that it essentially works the same as a savings account, but with the added advantage of having a death benefit.  This statement really got me thinking.

While there certainly are some ways in which Bank On Yourself-type policies function like a savings account, I can think of a lot of major, critical differences.

But rather than me telling you what those differences are, I’d rather hear what you believe they are.  And some of our subscribers are a whole bunch smarter than I am.

So, I’m holding another contest, and our team will pick the five best answers and award a top prize of an iPod Touch (a $229.00 value), a second prize of a $100 Amazon.com gift certificate, and three runner-up prizes that will give you a choice of a $25 dining gift certificate or a personally autographed copy of my best-selling book for you or to give to someone you care about.

Just answer the following question in the comments box below no later than midnight, Monday, October 3:

The contest question is:  How is dividend-paying whole life insurance different from a savings account (besides the death benefit)?

You can address one or more differences, or comment on someone else’s response to qualify.

And if you think I’m “full of it,” feel free to tell us that, too.  (Some of our subscribers don’t seem to need any encouragement to do that…)

We’ll circle back here next week to report on the contest results and winners.

To qualify, just type in your response in the comments box at the end of this post no later than midnight, Monday, October 3rd.  Please note that all comments are moderated, so there will be some delay before it appears.  (Sorry – open to U.S. residents only.)

And now for the winners of last week’s contest.  As I mentioned, we received hundreds of entries with the correct answer by both email and via the blog comments.  These five randomly chosen winners have all been notified by email:

$100 Amazon.com gift certificate – Sheri Browning

The four winners of the $25 dining gift certificate or autographed book – Jeannie Fisher, Kevin Caldwell, Lynne, and Rich Rhoads

Okay!  Scroll down to the comments box and enter the contest…

One such thread that comes up high in the search results has nearly 200 posts spanning the last year and a  half.

On this lively audio podcast, Bank On Yourself founder Pamela Yellen discusses how her toughest anonymous critic on that thread has slowly been coming around.

He now (grudgingly) admits that Pamela is right about many of the points he has been contesting.  And, when challenged by another poster about the actual returns people get in the stock market, he even dragged out 29 years of records of his own investing accounts, only to conclude that he is “just an average investor.”

To listen to this fast-paced, surprising interview, click on the play button below, or you can download the recording as an mp3 and listen to it on your own player or iPod now at:

Near the end of this 15-minute interview, you’ll also discover a fast and simple experiment you can try to determine if Bank On Yourself really is a scam… or if it’s the ultimate financial security blanket in both good times and bad.

We really want to hear your comments and feedback!  Tell us what you think in the comments box below.  Please note that any comments containing the answer to the question of what was Pamela’s critics rate of return will be posted after September 24th, so as not to give away the answer…

I just held an urgent Teleconference on what you should do right now to protect your family’s financial security.

A number of people told us they weren’t able to attend and asked if it was recorded so they – and the people they care about – could still listen to it.

You can listen to a replay of it below, or you can download the recording as an MP3 and listen to it on your own player or iPod now at:

I urge you to shut the door and put out a “do not disturb” sign while you listen to this critically important information which includes answers to timely questions such as:

• Should you stay in the market despite the turbulence and wait for the market to rebound?
• Is now the time to shift into gold?
• Where else can you find shelter from the storm?
• What can we do to encourage Washington to get its act together?

Find out what you need to do right now to protect your hard-earned savings and take back control of your financial future here:

Nobody is going to twist your arm, and you won’t even be asked to buy anything at your first meeting with your Authorized Advisor.

But at least you’ll know whether Bank On Yourself makes sense for you and your family.  So please request your free Analysis today.

Everyday, we are bombarded by news reports – and those who parrot them – reminding us of how dire our economic circumstances are.

Consider how demoralizing it is to be constantly reminded that your chances of finding employment – or holding onto the job you still have – dwindles if you have outdated skills, live in certain regions of the country, belong to specific ethnic groups, or have passed your 40s?

Look at the high percentage of fellow citizens who are out of work, or awash in credit card debt, or underwater on their home mortgage, or reliant on food stamps, or lacking adequate health insurance, or holding too little savings (especially if they lose their jobs or face a crisis), or likely will have to live as paupers in retirement.

If you fall into some or any of these categories, why even bother to get up in the morning?  After all, your fate is not your own. You are but a leaf on a raging river, being carried along by forces too strong to resist.

Although millions of Americans, sadly, do subscribe to such can’t-do thinking – and no doubt money misery does enjoy plenty of company – these “helpless” victims of the economy are absolutely wrong.

They are not a statistic and should never think of themselves as such

They are individuals, blessed with free will and living in a country where opportunity remains one of our most abundant natural resources.

We can heal what ails our country’s economy – beginning one citizen at a time

Personal creativity, willpower, persistence and a commitment to do whatever it takes to succeed are far more reliable social safety nets than unemployment insurance, supplemental nutrition assistance (food stamps), Medicaid or Social Security.  Moreover, they are all well within our absolute individual control.

If you (or a family member, friend or neighbor) are out of work, your unemployment rate is 100%.  If you find a job, or create one for yourself, your unemployment rate drops to zero.

It really doesn’t matter what percent of the population was in the same boat with you when you determined to place your fate squarely in your own hands.

What matters is your commitment and diligent efforts to get out of the boat on your own and serve as a shining example of how others can follow your lead.

We can heal what ails our country’s economy – beginning one citizen at a time.

Americans need a financial revolution in 2011 as surely as we needed a political revolution in 1776.

Our system of earning, saving and investing money simply is broken.  It relies way too heavily on the tag team of government and mega-banks and financial institutions, and way too little on the self-reliance and individualism that made our nation great.

The federal government, by every reasonable standard, has proven to be a poor steward of our money and financial security.

The lockbox that was supposed to be Social Security – with Uncle Sam holding our funds – repeat, “our” funds – for us, turns out to be a thinly veiled Ponzi scheme that is rapidly draining to insolvency.  Ditto Medicaid.

It was the circus-like policies of the government-backed Fannie Mae and Freddie Mac that led directly to the housing crash in 2008 and turned the American Dream – owning one’s own home – into a financial nightmare for tens of millions of us.

The federal government poured close to $600 billion taxpayer dollars into the bailout of unstable private businesses, including AIG, Bank of America, Citigroup, Goldman Sachs, Morgan Stanley, General Motors, etc. – rather than permit the free market to right its own wrongs.

Our national debt has spiraled out of control and threatens the very solvency of our nation.  Whether or not we actually default on our obligations, two consequences seem inevitable: inflation will return (sapping our spending power) and taxes will rise – that is, if in our crazy tax system, you are not among the nearly half of all Americans who pay no taxes whatsoever.

If times get tough enough, the United States might even see the kinds of austerity-inspired street riots that have shaken Greece, where those who have become accustomed to suckling on the government teat get very angry when the spigot runs dry.

And what of the perplexing U.S. tax code and its ever-growing lock on our income?  We simply don’t have enough rich people in our country to zap with higher taxes in order to offset the government’s spending addiction.

As Margaret Thatcher once said, although at the time it was socialism generally, not just taxes on her mind:

The trouble…is that you eventually run out of other people’s money”

Hence, regardless of your current tax bracket, soon enough you can count on the taxman knocking on your door asking for even more.

If the argument for a break from our reliance upon the federal government’s management of our money isn’t compelling enough, our additional reliance on private banks, securities firms, money managers and the mainstream financial news media to protect and help grow our wealth is even worse.

Wall Street and other peddlers of financial snake oil have spent fortunes in the effort to convince ordinary, hard-working Americans to place our trust and our financial futures in their hands.

Not only do tens of millions of us frequently get jarred from our trance-like state to discover we’ve lost a huge chunk of our nest eggs just when we need our money most, but if we look carefully we also realize that our advisors and money managers have walked off with a sizeable portion of our assets, masked behind the fine print of fees and expenses.

The crumbs our advisors leave for us – if they leave any at all – are then subject to additional taxes from our good friends in the U.S. Government.

Taken together, the abuses of government and private financial institutions may not rise to the level of misdeeds that our forefathers suffered at the hands of their British overlords, but they do suggest the need for all right-thinking Americans to free themselves – as much as humanly possible – from the tyrannies of today’s financial despots.

So, in the spirit of Thomas Paine, Thomas Jefferson, John Adams, John Hancock, Benjamin Franklin and other revolutionary thinkers, we propose this Declaration of Financial Independence…

Writing about Thomas Paine, whose release of Common Sense in January 1776 helped spark the American Revolution, one pundit noted that Paine “was an unremarkable man living in a remarkable time.”

Once again, America finds itself in a remarkable time at a remarkable juncture of our history.

Declaring our Financial Independence is an act of patriotism and very much in keeping with the spirit and intent of our forefathers, who gave their lives, fortunes and sacred honor to secure our liberties – including the freedom to direct our own finances and embrace the principles of self-reliance.

The torch has been passed.  It’s our turn now to act with confidence and courage in these momentous times.

For so many people, that principle seems unrealistic, especially considering how very hard it is most months just to stay afloat – paying for necessities such as groceries, medicines, utilities, transportation, insurance and the like.  Oh yes, let’s not forget the always hungry tax monster!

Seems to so many of us that our paychecks are swallowed whole by our obligations before we ever get the chance to even sample the flavor of having some accumulated cash in our pockets and bank accounts.

To which we can only respond… how wonderful!

Wonderful? Really? Paying Bills! And Taxes?”

Absolutely.

If you haven’t done so already, it is time to come to view your monthly financial obligations in a fresh, new light.

In fact, it will prove most helpful if you consider your recurring expenses with two questions in mind:

1. What benefits do I actually receive in return for my monthly outlays?

2. What is my return on investment for the dollars spent?

Let’s begin by examining the second question first.

What would you guess is the better long-term investment?

Your monthly grocery bill or your monthly contribution to a 401(k) or other retirement plan?

Most people don’t view their grocery bill as an investment, so they automatically assume the answer is a long-term savings or investment fund.

But the correct answer is – in fact – a matter of perspective.

The money you contribute to a 401(k) or similar plan is locked in place for many years, even decades.  What you have to show for it are some numbers on a monthly or quarterly portfolio statement that might give you a sense – often undeserved – of financial security.

You really can’t enjoy the money in the present or the near future.  Moreover, funds in a 401(k) are subject to market fluctuations, management fees, inflation and eventually taxes.   For tens of millions of Americans, when those numbers on their fund statements implode, as they did during the market dive in 2008-2009 (and many times prior to that), then their retirement investments not only fail to bring them pleasure or satisfaction, but actually cause great pain and anguish.

Strictly in terms of numbers, 401(k) plans hardly stack up to the value we all receive from our monthly grocery expenditures.

Here’s our thinking…

For every $1,000 you place in a 401(k) or similar plan – not factoring in a matching contribution from your employer* – you can expect to earn a reasonable return that might over the long term average 4% to 7% a year (far above what you are likely earning now).

In essence, you tie up all of your principal for a full year, at the end of which you have earned perhaps $40 to $70 in return for allowing some financial institution to utilize your money for 12 months.

Go ahead and tie up the same original $1,000 for a second full year, at the end of which you will have – roughly – between $81.06 and $144.90 in income on paper, before subtracting fees, taxes, and any decrease in purchasing power due to inflation.

And this assumes your investment portfolio actually grows – which is a generous assumption given how often retirement plans actually bleed money.

Stick to the plan, as do most wage earners, and your $1,000 may sit in a retirement account for 20 years (or more).  After two whole decades of confinement, your original $1,000 deposit would generate between $1,191.12 and $2,869.68 in growth (before you deduct fees, taxes, and inflation.)

That is 20 years that some financial institution – but not you– reaps the benefits of YOUR money.

Now let’s compare that with your monthly grocery bill…

The United States Department of Agriculture each year estimates the monthly costs of food at home for an average family of four.  The USDA’s calculation for 2011 runs between $663.60 for a low-cost meal plan to $1,184.50 for a liberal plan.

Let’s call it $1,000 and see how those groceries stack up as an “investment” against laying away the same $1,000 in a retirement plan.

At the end of the first month, assuming you consume all of the food you’ve purchased, you have zero left to show for your money (or at least that is the faulty perception many people hold).

That said, you owe no taxes on the $1,000 in groceries (other than the sales tax already included in the tab).  There are no management fees.  And there is zero chance the supermarket will come to you and ask for more money, even if the groceries you purchased subsequently rise in price.  (Translation: No supermarket “crash” will ever cause you anxiety and the loss of principal.)

One thousand dollars in groceries buys you goods worth a full thousand dollars in value regardless of any Wall Street misbehavior or greed.

It’s when you step back and ask yourself what the groceries, in turn, enable, that you realize their true investment value.

Given that you and your family can’t very well fast for a month, the groceries you purchase are the core fuel of your family’s income-generating and lifestyle machine.  If you bring home $65,000 a year in total household income, then the $1,000 you spend in monthly groceries is a vital cog in generating the $5,417 ($65k divided by 12 months) you earn in return for your labors.

Your $1,000 monthly grocery outlay produces a fabulous return – in just 30 days – actually dwarfing the 20-year yield you might receive placing the food money in a retirement plan.

Grocery bills… when viewed in the context of what they make possible, can be truly loveable.”

The same frame of reference should be applied to housing costs, gas and electricity, transportation, medical bills, etc.

Once you cast your financial obligations in the correct light, paying those monthly bills will take on a whole new positive meaning.

Dollar for dollar, these expenses, rather than being the economic balls and chains that most Americans label them, actually return some of the best values in the investment universe.

Once you cast your financial obligations in the correct light, paying those monthly bills will take on a whole new positive meaning.

Now let’s return to the first question we raised above: What benefits do you actually receive in return for your monthly outlays?

As Americans, we are blessed with an abundance that has no historic or even present-day equal.  As citizens, who pass much of our lives pursuing even better lifestyles, we often fail to pause and conduct a full and candid inventory of the uncountable blessings we already receive.

Reflect upon your present blessings, of which every man has plenty; not on your past misfortunes of which all men have some.”
~Charles Dickens

The true secret to enjoying our bills and applauding our taxes is to appreciate what they buy for us. Most people throughout history – and far too many people living elsewhere today – would consider themselves life’s lottery winners if only they could “suffer” our hardships.

Here are the sober facts of life…

There is no right to housing, much less a safe home that is equipped with clean, running water; electricity, and heat.  Phones, cars and household appliances are not mandatory, nor are computers, paid television services and the Internet essentials.

Yes, health care is expensive and getting more so all the time, especially emergency care and medication for chronic illnesses.

But really, have you got a better use for your money than staying alive? It hardly matters how much you’ve squirreled away for retirement if you are long dead before you ever reach your golden years.

And what about taxes?  How do we ever adopt a mindset that allows us to applaud them?

Simple.

Freedom, in the form of national defense, isn’t free.  Nor is crime fighting, fire fighting, road construction and maintenance, schooling, and a million and one other services and benefits provided to us by local, county, state and federal governments.

Are most politicians wasteful?  You bet.  Could they be better stewards of our public funds.  Duh!  Need you really ask?

We dislike and rail against wasteful spending that means higher taxes and less money in our own pockets.  And all of us can point to dozens of government programs that never benefit us and aren’t worthy of anyone’s tax dollars.

But the exceptions do not disprove the rule.

When we pay our taxes, we are rewarding ourselves and future generations with the greatest investment ever offered to mankind – shares in America and the American Dream

As a rule, there is no finer government, and has never been a better political system, than that enjoyed by the current citizens and residents of the United States.

When we pay our taxes, we are rewarding ourselves and future generations with the greatest investment ever offered to mankind – shares in America and the American Dream.

Those shares pay and have paid huge uninterrupted dividends for more than 235 years, without which our lives could never be as satisfying or great.

* We consider the employer match on your 401(k) as part of your salary – not an investment return.  If you put in $1,000 a month and your employer puts in $30 a month, really you’ve put in $1,030 a month.  Your return on that total remains somewhere between 4% and 7% annually on average.

Executive Summary:  Goal setting is a vital life skill that can be practiced year-round.  Most people don’t succeed on their first attempt.  Ironically, each setback increases the probability that the next try will come closer to the mark, if not directly hit the bulls-eye.

There are five basic tools that all goal setters should equip themselves with to increase their odds of success: Passion, Persistence, Planning, People and Positivity.

It has been more than 120 days since New Year’s 2011 and by now many of us have long since given up on our various resolutions.  They were the best of intentions, but life and reality once again got in our way.

If you are one of the millions of lapsed goal setters, now is the perfect time to reboot.  Whether it’s cold and blustery outside or the trees are blooming and a warm breeze is blowing, the process of setting and reaching goals should be a year-round, all-weather, life skill.  No champagne required.

In fact, goal setting is one of life’s most important skills, given that very, very few of us are handed exactly what we want without ever having to ask and work for it.

In our busy lives, it requires determination and focus to take a “time out” and think about our ambitions and how we’re doing in pursuit of them.  Perhaps that’s why so many people try goal planning only once a year – at New Year’s – because the holiday season offers more down time to think about the Big Picture and our life’s direction.

Reading and taking action on these tips will take less than 10 minutes

But those minutes might very well become your down payment on a first-class ticket to greater financial security, better health, closer personal relationships, a more satisfying work life – and even (for those of us pressed for time now) greater chunks of leisure time.

Students learning a foreign language must learn, forget and relearn words three to six times before they permanently commit the translation to memory.

Goal setting is much the same.  Most people set a goal, fail to reach it, and someplace down the road try again.  Success is most likely to come after a series of false starts.

Why does that happen?  Consider these common sense explanations:

• A person who keeps coming back to the same goal is more deeply committed to the outcome than someone who tries just once and then abandons the effort altogether
  

  

  Thomas Alva Edison (February 11, 1847 – October 18, 1931)

• We all learn from our past disappointments, so we come better prepared to succeed with each new assault on the goal

• Timing plays a part in most goal-setting success stories. The Buddhist proverb, “When the pupil is ready, the master will appear,” seems applicable here. There are simply times in our lives when we are better prepared to incorporate our past experiences and ongoing motivation into a winning formula for success

Since we receive no official notice when the ‘correct’ time in our lives will arrive, we must keep testing the barriers to achieving our goals to determine if they are at last ready to crumble.

Thomas Edison, arguably the greatest inventor of all time, was nothing if not someone always committed to bounce back…

I have not failed, I’ve just found 10,000 ways that won’t work.”

~Thomas Edison

Today, the world might not have the light bulb, phonograph, motion picture camera, etc., had Edison not pushed ahead on his 10,001^st and 10,002^nd attempts.  In all, Edison applied for and received 1,368 patents.

We mostly remember Edison’s accomplishments. Who really knows how many thousands of setbacks he rebounded from?  As legendary football coach Vince Lombardi observed about one essential trait of consistent winners: “It’s not whether you get knocked down, it’s whether you get up.”

Those of you who made a New Year’s resolution this past January and weren’t able to carry through are already one step closer to ultimate success than if you hadn’t even tried.  Reading and acting on this article is a second step in the right direction.

The “5 P’s” of successful goal setting

When picking yourself up after missing a goal, there are five basic tools you’ll want to carry with you to improve the odds of victory on your next attempt.  We call them the 5 P’s of Successful Goal Setting.

1. Passion

You’ve got to want the goal badly enough that you won’t allow yourself to become discouraged when the finish line proves hard to reach.

Obstacles are those frightful things you see when you take your eyes off your goal.”

~Henry Ford

2. Persistence

Cliché as it may be, if at first you don’t succeed, well just don’t give up.  Really, any goal worth attaining is also well worth missing – as many times as necessary.

Remember that failure is an event, not a person.”

~Zig Ziglar

3. Planning

The road to defeat (and other unsavory destinations) is paved with good intentions.

The surface of the ‘road to success’ is smoothed with actual planning.

Successful businesses begin with a well-thought business plan.  Successful goal setters likewise require a carefully considered goal-plan.  Each goal-plan should include among its elements:

• Ways to break the main goal into smaller, easier-to-accomplish parts
• A realistic timetable
• Strategies and resources (including mentors) you can utilize
• A system for tracking your progress
• Fallback positions for when you encounter potholes and detours – which you will

You’ve got to be very careful if you don’t know where you are going because you might not get there.”

~Yogi Berra

4. People

The Boston Marathon attracts 25,000 participants and roughly half a million spectators each year.

The number of qualified entrants and the large, cheering audience handing out cups of cold water do not make the 26.2-mile race from Hopkinton to Boston any shorter.  But the support and enthusiasm of the crowd and the momentum of the pack do provide most runners an extra boost on their journey to the finish line.

Family, friends and coworkers can likewise give you the extra boost you require to reach your goal.  Whether they are running alongside you, cheering you on from the sidelines, or handing you advice based upon their own scrapes and triumphs, enlisting the help of others dramatically increases your chances of success.

5. Positivity

Mental attitude can carry you forward even when circumstances aren’t breaking your way.

Is reaching for a goal a burden, a responsibility, a sacrifice, even a punishment?  Well, it can be… if you decide to think of it that way.

But you can also picture your path as an adventure, an opportunity, a competition and a growth experience.

The task, really, is the same regardless of how you view it.  The outcome, however, is far more likely to be to your liking if you remain upbeat and optimistic at each step along the way.

Mastering how to correctly set and stick to important goals until they are accomplished is such a vital life skill that Bank on Yourself has chosen Financial Goal Setting as the launch pad for an exciting new Internet community that will be making its debut in July 2011.

Known as Bank on Yourself Nation, the new  community will give you the knowledge and tools you need to fearlessly navigate your personal path to lifetime financial security and self-reliance.

The Financial Goal-Setting discussion on Bank on Yourself Nation will provide you with unique strategies, insights and support certain to increase your likelihood of reaching your financial goals.  The discovery experience includes audio and video lessons from experts; personalized questionnaires and worksheets; and plenty of real-world examples of other people who also are journeying toward a higher level of personal goal setting and achievement.

One of the highest priorities of Bank on Yourself Nation will be to help its members obtain their lives’ goals and reap the many rewards and satisfaction that success brings with it. Stay tuned for details of a special Charter Membership Offer coming soon!

It also hit #2 on the USA Today Money Best Seller list for the week ending March 28th.

If you don’t have a copy yet, you can get it today for only $9.95 – 38% off the retail price.

The hardcover edition was released a year ago and immediately hit the USA Today, Wall Street Journal and Business Week best seller lists.

Find out what all the buzz is about and learn more about this proven, time-tested way to grow a nest egg, so you can take back control of your money and finances today.

The secret is definitely out and the feedback has been phenomenal – and very gratifying.

If you haven’t already grabbed your copy of the book, you can order it here now.