Curtis Ray's Podcast

In traditional leverage, you borrow money to invest to increase your NET returns. As long as the market is going up, and you are making more than what the money is costing, you have accelerated how much money you are making. This process compounds your money at a very rapid pace. Anyone who is a risk taker and wants to become rich, loves leverage! But what happens when the market crashes? Everyone thinks they can time leverage and get out early to avoid the risk, but 2008 clearly shows this is nearly impossible to do because, as investors, we just want one more win, one more deal, and then we will get out. --- Gamblers Mindset.

So what is Secure Leverage? What if you could do the exact same process, borrow money from A+ financial institution at a low interest rate, supercharging your growth potential but without any risk of down markets? How often would you leverage if that were possible?

This is the MPI® system! The first and only available financial plan that takes the concept of risk-taking leverage to supercharge your growth potential while balancing it with the importance of security. In the MPI® system that has no risk of any down markets, our historical returns have been right around 7% on average over the last 20 years, which is ok. But here is where the magic begins…

I'm Curtis Ray, Always Be Compounding™!

Website: https://mympi.com/
Schedule A Call With An MPI® Specialist: https://calendly.com/mpi

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Curtis Ray explains how Whole Life / Bank On Yourself Policies actually work. Shows all the benefits and flaws that comes with it, along with comparing to other popular financial investing options. This podcast will break down with real number from historical data.

Whole Life | Infinite Banking - relating to or denoting a life insurance policy that pays a specified amount only on the death of the person insured.

I'm Curtis Ray, Always Be Compounding™!

Website: https://mympi.com/
Schedule A Call With An MPI® Specialist: https://calendly.com/mpi

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What is the Triple Advantage of MPI® and how does it actually work? I get asked this question often along with how can MPI® eliminate market risk and still produce better Compound Results over everything else? It is actually quite simple and I'm going to explain it right now.

In the world of investing, there is a theory called the RISK/RETURN PYRAMID… This pyramid explains the levels of risk in various Compound Accounts. Futures are on the top, real estate and mutual funds are in the middle, and FDIC insured accounts and insurance investments are on the bottom. So in order to eliminate market risk, you must invest in the BOTTOM of the pyramid, things that have guaranteed security.

One of the Compound account that has built in security is called a Cash Value Life Insurance Contract. But there is 1 problem, Cash Value Life Insurance, such as Whole Life, typically compounds very slowly, almost making it not even worth it… So how is it possible to securely and aggressively COMPOUND MONEY!

Inside of cash value life insurance, you money is typically in an account called THE GENERAL FUND, the life insurance company’s bank account, which has earned profit around 4-6% every year for like 100 straight years. DISCLAIMER *General Fund Annual Growth May Vary From Insurance Carrier to Carrier. Great Depression, dotcom, 2008, the General Fund still was profitable. The General Fund is considered one of the safest assets in the world. (Show the risk pyramid again) So if your money can make around 4-6% each year, something really cool can happen!

I'm Curtis Ray, Always Be Compounding™!

Website: https://mympi.com/
Schedule A Call With An MPI® Specialist: https://calendly.com/mpi

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I wanted to make this podcast on the comparison from a traditional investment vehicle and their fees over time like the 401k, vs an MPI® plan.

As you hear the fees are fairly even in the first 5-10 years. Although after that a 401k plan skyrockets in fees. And gets out of control as time goes on.

So which is better for financial planning focused on #retirement income?  Let’s let the numbers answer the question. Remember Compound Interest doesn't wait for no one. The sooner you start the sooner you can benefit.

I'm Curtis Ray, Always Be Compounding™!

Website: https://mympi.com/
Schedule A Call With An MPI® Specialist: https://calendly.com/mpi

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A deferred tax liability is a tax that is assessed or is due for the current period but has not yet been paid. A deferred tax liability records the fact the company will, in the future, pay more income tax because of a transaction that took place during the current period, such as an installment sale receivable.

Curtis Ray took the liberty to explain what the difference between the two using math. Giving the same number scenario and breaking down in a simple, easy to understand comparison. You'll find the podcast surprising in a lot ways once broken down.

I'm Curtis Ray, Always Be Compounding™!

Website: https://mympi.com/
Schedule A Call With An MPI® Specialist: https://calendly.com/mpi

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If you have a 401k or IRA, you might’ve lost the game of retirement – and you don’t even know it yet. … Millions of Americas get to 65 years old only to find out their retirement plan in the 401k/IRA doesn’t produce very much income! How many people do you know that are fully retired, living exclusively from their 401k or IRA without having to downsize their lifestyle? Probably not very many because it is nearly impossible… Like mathematically impossible!  How can that be you might ask? Because the 401k/IRA aren’t, and never were, designed with retirement income as the priority. The world’s largest retirement accounts were never designed with retirement income as the focus!! That’s a FACT!

I'm Curtis Ray, Always Be Compounding™!

Website: https://mympi.com/
Schedule A Call With An MPI® Specialist: https://calendly.com/mpi

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MPI®, Maximum Premium Indexing, is a life insurance based financial plan; most are familiar with IRS Code §401(k) and the IRA, which provide many Americans the opportunity to save for retirement and receive and up front tax advantage. MPI® takes a different approach through the IRS Code §7702(a), which provides the best long-term tax advantages including tax-free retirement income, not exposed to any capital gains tax, and a path to 100% tax-free wealth transfer.  In addition, MPI® has security built in to protect your money from stock market risk while also having the growth potential above the stock market. When comparing MPI® to a traditional IRA, Roth IRA, 401(k), 403(b), 457, and various other accounts, none provide the holistic approach, maximizing every opportunity and benefit available to you that can be found in the MPI® Secure Compound Interest Account. MPI® has 10 features all working in unison to benefit you in order to accomplish the retirement of your dreams. 

These 10 features include:
Permanent life insurance: ✅
Living benefits: ✅
Lowest Expenses:  ✅
Long-Term Tax Advantages: ✅
Legal Protections:  ✅
Security: ✅
Growth: ✅
Acceleration:  ✅

Finally, when all these features work together, you optimize your retirement income significantly, allowing you to achieve the retirement you’ve always wanted. Compared to the traditional 4% Rule of retirement found in the 401k and IRA, MPI® can produce up to 15% income as it matures with time. This is your life and money; MPI® not only protects, grows and accelerates your future, but allows you to do it on your terms. Retirement is what you decide it’s going to be rather than defaulting to what you can afford. MPI®, built on maximum efficiency of your money and hard work, empowers you to achieve the financial and personal freedom you’ve always wanted!
 
Because of these 10 features and benefits, MPI®, Maximum Premium Indexing®, is the most Secure Compound Interest Account available to you today.

I'm Curtis Ray, Always Be Compounding™!

Website: https://mympi.com/
Schedule A Call With An MPI® Specialist: https://calendly.com/mpi

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Down Market Definition:  The period of time after a market top during which a security's price trends downwards.

The Down Market. Everyone fears it.  It ruins lives, destroys years of saving and investing, and delays or threatens your retirement. It Impedes your freedom to what you want! Add leverage along with a down market, and all the negative impacts are amplified. MPI® is a leverage system that accelerates your growth potential, so what happens to MPI® in the down market? I’m going to explain the power of the 0% Floor right now and why we call MPI® the first secure leverage system on the planet!  Full disclosure: there will be math – a LOT of math – in this segment! If you would like any additional explanation, please reach out to me on my website and I am happy to clarify any question. This is very powerful explanation meant to build confidence that wealth, security, and freedom are available to anyone who wants it!

I'm Curtis Ray, Always Be Compounding™!

Website: https://mympi.com/
Schedule A Call With An MPI® Specialist: https://calendly.com/mpi

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Risk is the ability to lose money. This can be in the form of stock values going down, equity values dropping in real estate, going out of business and various other reasons something loses value. Risk kills sustainable wealth.

Why is RISK so bad? Why does “losing” hurt your future so much? Few people realize the effects of risk on your money. For example, if you have $10,000 and you lost 50% of it in a market downturn such as 2008, you would have $5000 leftover after the loss. If you gained 50% back the next year, how much money would you have? The majority of people say $10,000, you lost 50%, then you gained 50%, so you should break even because you have a 0% average! Unfortunately, this is not true. When you lose 50%, and you have $5000, when you gained 50% back, you only have $7500.

The traditional financial sector talks about what they “average” regularly. This is misleading because what matters is your actual return, NOT average. Few advisors disclose actual returns because of the loss of the effects has on their performance. You wouldn’t be happy if you knew what the actual return has been over the last 20 years.

When you add risk or loss potential to your future, the results typically become subpar. In investments, you can have moments you win a lot and feel great about your investment and other moments you lose a lot and feel frustrations and despair. I call this the home run/ strikeout method.

I'm Curtis Ray, Always Be Compounding™!

Website: https://mympi.com/
Schedule A Call With An MPI® Specialist: https://calendly.com/mpi

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One day in January of 2014, my little brother, who is literally one of the smartest math nerds in the world, came to me and told me I was investing in the wrong places.  I immediately dismissed him and went my merry way. After weeks of hounding me, I decided to let him explain to me why my IRA and real estate portfolio were not the best place to put my money but instead, a correctly designed cash value life insurance. Up to that point I had never even considered it as an option, much less a good one. -- He went on to explain to me the pros and cons of life insurance, why the majority of them fail because of human greed, but if I was willing to understand their features, benefits, and design it to optimize the retirement income side, and minimize the life insurance side, they would outperform my IRA by up to 400%. 4X more retirement income on the exact same amount invested? I came to the sound, mathematically based conclusion he was 100% correct.

It wasn’t even debatable once I put my retirement plan side by side with his cash value life insurance plan.  I know what you’re thinking; what did it he show me in this “correctly” designed cash value life insurance plan that caught my attention and ultimately converted me over? Listen and Find Out Why.

I'm Curtis Ray, Always Be Compounding™!

Website: https://mympi.com/
Schedule A Call With An MPI® Specialist: https://calendly.com/mpi

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