Hi. This is Ethan Kap—founder of the Safe Millionaire Academy, bestselling author of the book Safe Money Millionaire and founder of the World Financial Literacy Group.

This is your Safe Money Minute.

And will become the next Walmart greeter? It’s a question that I’ve asked myself and others. You may ask yourself. See, Walmart is hated and loved. Their story is quite compelling and sad at the same time. Even worse is walking into a Walmart and seing “John,” a sixty-nine year old grandfather greeting people with a fake smile on his face. John never ever thought he would end up there. Sadly, he did.

In some ways, it was his fault, wasn’t it—on the decisions that he made. But in most ways, it wasn’t. He was lied to by Wall Street, Washington and corrupt politicians who have a system that they understand. They created a system to help secure and pad their retirement savings but leaves most stranded like the rest of us because we don’t have the knowledge.

And that’s what we want to do is GIVE YOU THE KNOWLEDGE. When half of all households by workers, 55 to 64 have less than 80,000 in retirement accounts according to the Federal Reserve Board, then something is clearly not working. Sadly, many are still holding on to the idea that it’s gonna change, right, like the 401K, the mutual funds and the qualified plans are the “proven way” or holding on to the sane idea that Social Security is going to be around in 20, 30 years possibly.

That plan has been shattered and been exposed. In fact, Time Magazine recently had these words right on the front cover, “Is it time to retire the 401k?” if you want to keep holding on to a broken dream, then that is your choice. That’s not the one I decided to make. I want to stand on the winning side of all these mess and keep my money out of their systems.I have taken my money out of that and I’ve privatized my wealth.

I get sick and tired of seeing others taken advantage of. That’s why Brett and I have created Safe Money Millionaire. It all just started out with us and friends and family but now it’s sharing with others how to grow rich safely outside of their system.

Please do not become the next Walmart greeter. Become a Safe Money Millionaire. Go to safemoneymillionaire.com and learn more.

Ethan Kap with your Safe Money Minute.

Hi, Ethan Kap here. Bestselling author of the book Safe Money Millionaire, Founder of the Safe Millionaire Academy and the World Financial Literacy Group.

I’m here with your Safe Money Minute and I’m gonna tell you how my life changed in 60 days.

Roughly 10 years ago I struggled with debt and many people struggled with this and I felt the change weighing down on me everyday and it sucked the life out of me. I didn’t like what it did to me, my marriage and my family—not only my immediate family but those around me. I fought with my wife (I don’t like to admit that) when I was at home and we were constantly on edge and it just got to the point [where] one day I woke up, looked at myself in the mirror and I realized I just couldn’t stand looking at this person any longer.

Finally, I decided to make a change. I wanted to be DEBT FREE. Before I kinda played around with the idea but I wanted it really badly. I wanted to rid myself of interest I was paying others and making them rich and putting that in my back pocket. So, I went down the path of tracking my expenses—as boring as that may sound—and getting control of my emotions. I simply found that by tracking each thing I could control the urge to spend. If you track it, you control it.

And many of the things that I like to spend on I just found that, well, they’re adding up like the popcorn and the drink but I could say goodbye to them if I knew I was going to reach a new goal. So now I can actually still afford those things ironically but I can do it with control of my emotions. That’s how my life changed in 60 days. Did I completely get out of debt in 60 days? No, far from it to be honest, but I gained control of the situation. That’s your first principle: OWNERSHIP not entitlement.

Did I get there really fast? Well, it was faster than I thought and it became a game to pay off debt. It was fun. I found more money each month and I found a safe place to grow it and to pay off debt. Now I can’t tell you what to do with your money, that’s your decision in the end.

However, I can tell you what I did with mine. I discovered a 101 plan and that’s where I started to put away extra money I found that I wasn’t paying off debt because I wanted to do both at the same time. Some people preach to pay off debt first completely and that’s smart for some people. And again, I want to structure both. I wanted to create a plan to pay off debt and get out of debt but I also wanted to start building a secure retirement where I can have a retirement income with tax advantages—an income for life.

In other words, I didn’t have to pay income tax on it when I wanted to use it later in life or even throughout my life.

Here’s some of the cool benefits the 101 plan has given me.

It has given me guaranteed return without risk of principle which means no matter if the stock market or the real estate market tanks I’m protected. It enables me to take out my money and access whenever I want without a penalty like many qualified plans today.

In my state and many others, it provides you with complete protection against creditors so I never have to worry about losing money to a lawsuit or bankruptcy. That is so huge for me. Like a 401k or an IRA there’s no limit to how much I can really put in. That’s really neat and important for me. The money can be used as collateral for a purchase of a home or something else.

This strategy offers extreme liquidity. So I can get my money within just a few days when I need it and it provides me access to my money in the event of a disability [which is] also very important to me. It allows me to finance myself to wealth so I can buy a home, car, and other large purchases for myself. So again, instead of paying interest to other people I put that in my own back pocket—becoming your own family bank essentially. It allows me to pull my money out at the end tax advantage where I don’t have to pay income tax on that. And it also allows me, with the right plan, to double arbitrage on my money so I can keep up on inflation and outpace it.

My goal is to follow a proven path to become Safe Money Millionaire and one the steps is making sure that I build my money on a Safe Money foundation. This is the third Safe Money Principle. The wise man builds on the rock of safety and not on the sands of risk. For years, I kept my money on a broken system where they steal it and I ended up losing out like so many others.

Our goal here at Safe Money Millionaire is to change the way individuals and family save and invest their money. The status quo is broken. It’s clear and in order to grow and my money and yours even during difficult times you need to take control of that situation, right? I got my money out of their system and I privatized my wealth. I put it in a place where I could go rich safely and that was starting with the 101 plan after I got a debt plan and also got in control of my expenses. I’m the owner of the contract and I own the process.

So if you really want to know more about this, please go to safemoneymillionaire.com and see if the Safe Money Millionaire path is right for you.

Ethan Kap with your Safe Money Minute.

Hi. This is Ethan Kap with your Safe Money Minute. Once again going with the pink tie today and I want to talk to you about five key secrets for building recession proof wealth today.

It’s now unofficial, right? We’re in the Great Recession, the worst period of time since the Great Depression but no one has officially stated it and although it’s been unofficial for a while, unemployment numbers are really bad, right? If we look at it, it’s probably closer to the 20% range. Our national debt just keeps going up. They can’t come to a resolution on it; they keep spending. Probably, they’ll have an increase on taxes for us and we’re gonna have to pay.

Hyperinflation is scaring anyone. What’s gonna happen to the American dollar? And America is on the brink of collapsing everyday and this kinda reminded me of this experience I had recently. I got a call from a good friend, Angela, just last week and a few minutes into the call she asked me the question: What should I do if the American economy goes up in flames? Should I leave the country? What should I do with my money?

I was shocked. I didn’t know that she was feeling this way but then it hit me. That’s how most people are feeling, right? If you’re plugged into the news, I mean it’s ending tomorrow (the world), right? It really is a good question. What is the best course of action if things do come to an end?

So, let’s talk about that. For starters, I try to live my life each and every day as if it’s my last and I would like you to do the same. Pick the one thing that would make this day the best day and make sure it happens. And if you do just that one thing, everyday would be a delight even if you listen to the bad news. Next, I think it’s very important to prepare for disasters. Food storage, a little gold and silver can’t hurt anybody, 72-hour kit, having some water, it’s very important. Be prepared. Finally, it’s super essential that you get your finances in the right order and that’s putting it in the Safe Money Foundation.

Here are the 5 key principles we follow here in the Safe Money Millionaire, part of the Safe Money Millionaire process.

One, it’s not about entitlement, it’s about ownership.

Second, money is emotional, not math. It’s emotion.

Third, you want to invest in yourself. Pay yourself first 10% and also pay yourself to be educated.

Fourth, the wise man builds on the rock of safety.

And fifth, amplify your wealth.

See, we’re changing the way Americans save and invest their money here. The status quo is broken. We’ve told you that before. Or if you haven’t heard it, you can get it in our Safe Money Millionaire book—bestselling. Get a copy of that and you can see why staying in the status quo will probably leave you holding an empty bag whereas getting on the Safe Money Millionaire path will help you get to a place where you have a guaranteed wealth growth.

Now, if things do come to an end, you probably wanna get stocked up again on some things like commodities, gold and silver, have a little bit of ammunition that you can trade.

But what if the world doesn’t come to an end? Maybe that’s the other question we should ask. What if doesn’t come to an end even through all this chaos and we make it through? Should we sell everything and head to mountains? Well, I actually know a gentleman who did that exact thing. He had a very successful business and he thought the world was coming to an end so he sold everything, stocked on food, guns and ammo and headed off to the mountains. Years later, his son decided not to serve a mission in their Church. The world had not ended.

Jim asked his son, ‘Why? Why aren’t you going?’ He said, ‘Dad, why would I go on a mission when you taught me that the world is ending tomorrow.’ And that’s when he realized it that he made a mistake. What’s ironic about this is that it happened 30 years ago.

And so, look, the world may not end tomorrow… or it may. The proper path or decision to make is to be prepared today. It’s really hard with all the bad news and the fast-paced information to clear through the smoke and find the right information. It’s really not that hard. It does not require good looks, luck or a ton of knowledge. It does not even require a lot of money. It’s a simple matter of when again someone cuts through all the clutter, all the smoke they can see it.

That’s the hardest part-cutting through all the smoke. In fact if you have yet to find the path to reach the level of wealth and security that you want, it likely has not that much to do with you. Given the bad information from the Wall Street propaganda machine and the government, it’s a wonder anyone knows what strategy even works, right? It’s really difficult. With all this financial mumbo-jumbo that has left you confused and overpowered, take a deep breath and relax.

In the Safe Money Millionaire process we’re gonna take an aim at that confusion. We’re gonna blow away the smoke and make things as simple as possible. In fact we’re gonna boil this down in one sentence. A wise woman builds her house upon the rock of safety, not upon the sands of risk. Once you clear away the smoke and focus just on that simple sentence, the path becomes very easy to find and follow. We found that years ago and we invite you to join us. All you do is have to go to Safe Money Millionaire and get involved and have a voice and join us along in this process.

This is Ethan Kap with your Safe Money Minute.

Hi. Ethan Kap with your Safe Money Minute. Decided to go with the pink tie today so I hope that’s okay.

Every year I go to a town called Preston, Idaho. You know, that infamous town that shot the movie, Napoleon Dynamite, and after Thanksgiving they have a crazy event called the Bed Race. It’s on the main street and there’s a lighted parade and they do it to kick-off Christmas. At the end of main street they have this little deli and honestly has the best food in town.

Me, Erica and the kids all stopped by for a quick bite just before the parade. Just recently while we’re there as I was eating I noticed a whole bunch of photos of young to middle-aged dudes sitting in front of a heap of food that was up on the wall and I quickly thought, ‘Cool. A food challenge.’ You know we see those and deep down I’ve always wanted to shove a whole bunch of food down my mouth at record speed and win some award so I can be on the wall. It’s like a manly thing to do but as I looked at the wall a little closer, I noticed one photo. It stuck out like a sore thumb. Right in the middle with the best time with the most food that had been eaten was a picture of young petite girl. I could hardly believe it. I got up, I approached the counter and I asked them if the picture was a joke. And of course she said, ‘Oh no. It’s 100% real.’

Now, this is what got me really interested. She told me the rest of the story. This young girl came into the deli saw a good friend of hers, KC, up on the wall. He had one of the best times with some of the most food that he had eaten. And just to get his go she said, ‘I’m going to beat his time, I’m gonna crush it.’

Now of course no one at the deli believed that, right? I wouldn’t believe it if I would have been there. But here’s what was more shocking. She actually ordered Lunch No.2 on the menu and she scarfed it down. Two hours later she walk through the door and says, ‘I am ready to destroy KC,’ with a big smile on her face. Fourteen minutes later, she crushes KC’s time and pounds down the most food and according to the deli she swallowed each bite with a smile. Like the other photos on the wall had times of like 30minutes or more. She destroyed it. I couldn’t believe it and here’s an actual picture, right. It has a little glare on it because I took it with my camera phone but it’s 100% real.

It’s ironic. Sometimes truth is actually stranger than fiction. What I loved about that story is how she 100% believed she was going to win even though she weighs only probably 110lbs, obviously not a big burly dude. She crushed all the men’s ego on that board and she did it with a smile.

Recently things have been up and down with our economy. We don’t know if the world’s gonna end tomorrow but what you do know is you can take ownership of your situation no matter what it is. You can create a plan to erase debt and live free of those chains. You can get on the Safe Money Millionaire path and start to create the potential to have an income for life that you can never outlive. Don’t let the status quo be the path that you continue. It’s broken. We clearly spell that out in our bestselling book Safe Money Millionaire. We are changing the way Americans are saving and investing their money, here at Safe Money Millionaire. It’s a cool thing to grow rich safely plus it’s easier on you and your family. Get the peace of mind that comes from getting on the Safe Money Millionaire path.

This is Ethan Kap with your Safe Money Minute.