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Safe Money Millionaire: The Secret to Growing Wealthy Without Losing Your Money In the Wall Street Roller Coaster Paperback – August 1, 2011

ISBN-13: 978-1600379741 ISBN-10: 1600379745 Edition: 1st

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Safe Money Millionaire: The Secret to Growing Wealthy Without Losing Your Money In the Wall Street Roller Coaster + Secure Your Retirement Dreams with SAFE MONEY: A Retirement Plan That Will Stand the Test of Time without Losing Your Money on the Wall Street Roller Coaster
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Product Details

  • Paperback: 125 pages
  • Publisher: Morgan James Publishing; 1 edition (August 1, 2011)
  • Language: English
  • ISBN-10: 1600379745
  • ISBN-13: 978-1600379741
  • Product Dimensions: 8.4 x 5.5 x 0.5 inches
  • Shipping Weight: 6.4 ounces (View shipping rates and policies)
  • Average Customer Review: 3.5 out of 5 stars  See all reviews (61 customer reviews)
  • Amazon Best Sellers Rank: #39,127 in Books (See Top 100 in Books)

Editorial Reviews

Book Description

The "Safe Money Millionaire" debunks the financial wisdom that has cost Americans trillions in losses in the stock market. Now more than ever baby boomers and Americans saving for retirement are looking for safety for their money rather than chasing returns on Wall Street. In this book we crush the financial myths ranging from 401(k)’s being a good place for retirement savings, to diversifying with Mutual Funds, to keeping your credit score high and getting a low interest rate. The solution is a predictable, easy to follow plan to growing wealthy without risking money on Wall Street, reducing or eliminating interest paid to banks and credit card companies, plus protecting yourself from taxes that can ravage retirement savings in qualified plans.

About the Author

Brett Kitchen and Ethan Kap are the founders of True Financial This free website calculates your “Never Work Again Number” and gives users a plan to reach their “Never Work Again Number” more quickly.  They have been featured on CBS, The Salt Lake Tribune, American Chronicle, Ebay Radio, KXYL Radio, 1280 The Zone, and many other media outlets.  They have been consultants in the insurance and financial advisor industry for several years and after seeing millions of Americans lose Trillions of dollars in the crash of 2008 it became their goal to show people how to grow wealthy without risking their hard earned money in the market. Live in Salt Lake City, Utah

More About the Author

My family tree of entrepreneurship and financial success dates back to my Great, Great, Grandfather on Jersey Isle off the coast of England.

From the earliest time I can remember I had business, money, and adventure on my mind. It gets me juiced to see someone take an idea that existed only in their minds, and breathe life into it. To create value out of thin air and create success for themselves and their family...and then using that success to experience great things the world has to offer.

Many people don't think they have that chance. Most folks struggle with money because they've been taught wrong. That's why my new mission has been in creating the Safe Money Millionaire site, writing the Safe Money Millionaire, and helping people learn how to build a financial foundation that gives them security, success and fulfillment.

I've tried to use the lessons I've learned from my ancestors to benefit me and the people I work with. It's been an honor to have influenced so many lives positively...and I hope I may offer some value to yours.

Customer Reviews

Using cash value life insurance to to save money, not a new concept.
William Jacques
I would highly recommend this book for an individuals wanting to improve their financial knowledge!
The book was very easy to read and laid things out in a simple manner.

Most Helpful Customer Reviews

105 of 122 people found the following review helpful By B. Glaser on October 18, 2011
Format: Kindle Edition Verified Purchase
This book makes a compelling argument for cash value life insurance versus stocks and mutual funds for long term investment. A good amount of data is presented to back up that argument. However it stops short of providing usable information for moving forward. I recognize that everyone might need a slightly different approach to buying life insurance, but there is for example no information on selecting an agent, no discussion of different policy aspects, no list of things to watch out for, etc. Instead the book is loaded with trademarked terms and referrals to the authors' website for more information. When you get there you are funneled to a form to sign up for a sales pitch from an agent. That makes this basically a $10 sales brochure for the authors. I guess they feel the same way because they essentially give the book away free on the website if you sign up for the pitch.

Note in the book the authors reamed other financial gurus for doing the same thing, ie selling advice and profiting from it. Boo.

Here's all you need to know: Cash value life insurance may be a great option for you if you want a more reliable investment albeit with a lower rate of return (that's because the insurance company takes a piece of the upside in good years and spares you some of the downside in bad, not to mention the fees). Google it to learn more, but insurance is a very complicated market so you'll still be left wondering, so call a few of the top rated insurance providers to compare and consider, ask a friend, etc. Good luck.

Also note: This is one of the few Kindle books I have read that cannot be loaned.

Also also note: I own both cash value and term life insurance policies (I'm worth more dead than alive, as they say) as well as stocks and other investments but I'm not affiliated with any investment business in any way.
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76 of 93 people found the following review helpful By John Jones on March 21, 2014
Format: Paperback
First a disclaimer, I am a Certified Financial Planner and have been for many years. I have held a broker’s license to sell stocks and bonds and so on and an insurance license. After my first couple of years in the business I let my securities and insurance licenses laps as I did not like sales and preferred to work as a fee-only financial planner. As a fee only planner I have always had a fiduciary duty to my clients, basically this means my clients had a legal right to trust me. I thought I would give my opinion of this book or what I have read of it so far.

From time to time driving home from my office I hear commercials like the one that advertised, not so much this book, but the “secrets” that the authors of the book were willing to share with me. I like to call and request whatever free advice or information they offer. The offer in this case was a free copy of the book.

So, when I called I spoke with a nice young woman who asked me what bothers me most, taxes, 401(k)s, or, I think volatility in the market. Of course she did not use the word volatility. She took my name and address and so on and then said she would email me the first two chapters of the book. I said ok and then she asked for a phone number and said one of their agents would call me for a 20 minute “interview” and that the book would be mailed to me. I am talking with their agent next week.

At this point I have only read the first two chapters as that is all I have so far. It turns out that like most things that offer a guaranteed plan or a no lose proposition there is always a catch. The catch is that the book really looks like a sales pitch for the best thing since sliced bread, cash value life insurance.
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109 of 135 people found the following review helpful By Paul Evans on November 2, 2011
Format: Paperback Verified Purchase
There is no substance to this book. It is simply a sales tool for their "specially structured" cash value life insurance policy. I cannot comment on whether or not it is a good investment, but only that the book entirely lacks substance to make an informed decision. Also, I would bet that they have people that skew the results of the amazon review page. Most of the positive reviews sound ridiculous to anyone who has read the book, and all of the negative responses have comments in defense of the book and high numbers of people who claim that the review was not useful. I'm sure this review will also go by the wayside, I just hope that it gets read.
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8 of 9 people found the following review helpful By Joel M. Wilson on June 17, 2014
Format: Paperback
Cash value insurance might be right for some people. But so might also 401k, IRA, term life, and so forth for others. The SMM book made questionable points that I would like to call attention to: On page 51, it talks about horrors of auto loan interest. Really, the additional interest was just for the time factor. And that is the very basic equation: Principal * Rate * Time, with time in years or fraction of years. It is not that all bankers are dishonest and ripping you off. It also plays up horrors of taxes when you start withdrawing from your 401k at retirement; keeps referring to 28% tax bracket. But actually, your taxable income for the taxable year is ON WHAT YOU WITHDRAW from your plan in that taxable year. So, if you withdrew $3000 monthly for a taxable year, ($36000), then subtracted out your personal exemption, standard or itemized deductions, and such on your tax return, you would not likely be in the 28% tax bracket for that year. Also, there are perfectly legal ways to set up wills and bequests and such for the remaining balance of your 401k or IRA when you pass away; to at least guard against - even if not fully eliminate - excessive tax penalties on the heirs. I seriously doubt now that I am going to go through with the phone appointment meeting scheduled for me upon receiving and reading the book.

Joel M. Wilson
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