Curtis Ray's Podcast

Definition: A contractual guarantee from An A+ Rated Life insurance company that your hard earned money is 100% protected from down markets and other forms of investment risk.

Most people, including financial advisers, underestimate how powerful “never striking out” is when I speak about achieving pure compounding interest. I call the 0% Floor the Ultimate Feature. It protects your hard-earned money from the negative impact of risk from investing. Other investments lose principal value every time there is a downturn -- your money is lost and gone forever. The MPI® 0% Floor has no exposure to stock or real estate down markets. 0% Interest earned is the lowest you will receive in any given year. In 2008, MPI® lost nothing while most everyone else saw up to 40% of their money gone!
Understanding the science of money.

The 0% floor is the Ultimate Feature, the key ingredient to protecting your money and maximizing your growth potential. By eliminating the risk of market downturns, you have started the process of achieving exponential growth, or pure compounding interest, which is what is truly the 8th wonder of the world!

I'm Curtis Ray, Always Be Compounding™!

Website: https://mympi.com/
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Curtis Ray breaks down the math on rental properties from the cost, to the income it produces in a 30 year period. Then compare it with another investment option to see if its worth it. Find out solutions that can out perform others securely.

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 MPI®?!

This video explains eliminate market risk in investing. By focusing on security with your money. In the risk pyramid. We take position at the bottom of the pyramid where its the safest to invest. The next thing to focus after security, is GROWTH. Knowing we can never lose, but only GROW is key. And even though the GROWTH aren't large "WINS", they still outpaces any other retirement vehicle overtime, allowing compound interest take its course and succeed exponential growth in your money during your lifetime.  Not only achieve maximum growth, but also safely withdrawal up to 15% instead of the 4%, that most financial advisors suggest. Almost 4X more income with the same account value. This video will explain why and how we do it all. If you have any questions, please feel free to contact us at anytime.

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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Downsizing is when you eliminate luxuries and recreations from your life in order to retire.

We work for 30-40 years of our life, sacrificing and saving, just to be forced to downsize in retirement. Why would you accept that? Aren’t these supposed to be your Golden Years? The financial world has somehow convinced society that downsizing is an essential and required part of retirement. You are told to build a nest-egg and when you are ready to retire, spend a very low amount per year because of the 4% Rule, and be content with what you get.

Let’s say you are making a $100,000 a year. If you saved $10000 a year for 30 years in a 401k, you would have around $1,000,000 in your retirement account. You are rich, right? WORNG! This nest-egg would produce around $35,000 a year in income, after taxes, plus social security of around $20,000, or a retirement income of $55,000 a year. A 45% downsize in retirement! They tell you not to worry, you will have a smaller house, smaller car, kids will be moved out, so downsizing will be ok. But that’s just it… ITS NOT OK! Imagine cutting your income by up to ½… You don’t want to downsize, you’re forced to!

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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Compound Interest is your money growing for you by itself, and then the money that it grew, also continues to grow, creating the phenomenon called Exponential Growth. Much like a snowball, the more times you roll it, the bigger and faster the diameter gets. That is exactly what you would want your nest egg to do. Albert Einstein is credited for saying that Compound Interest is the greatest mathematical invention of all time.

The financial industry has done us a disservice for how little they speak to the world regarding the power of compounding interest, how it works, what impedes it, what accelerates it, and the different variables that play a big role in your pursuit of freedom and wealth. It is my mission and passion to help every person of all income levels, benefit from this power that everyone has access to.

Compound interest has 2 major variables… 1st we must understand the fundamental mathematical constants at play. 2nd, we must understand the commitment to the habits it takes to achieve this phenomenon.

To calculate the potential of compound interest, it is called the Rule of 72, or how long it takes for your money to accomplish 1 compounding cycle.  A compounding cycle is how long it takes to double your money.  How you determine a compound cycle is take your projected interest earnings from your investment and divide it into 72.  For example listen to this podcast.

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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The 4% Rule is the rule of thumb on how much income you should reasonably withdraw from your nest egg when you retire to avoid the risk of outliving your savings. A nest egg is the total amount of money you’ve saved up for retirement. For example, if you saved up $250,000 for retirement, using the accepted 4% withdraw rate, you should only spend $10,000 a year otherwise you put yourself at risk of depleting your account too soon.

Think about that, you saved up $250,000, not an easy task, and you are told to only spend $10,000 a year! That’s TERRIBLE! You sacrificed and saved while working just to end up poor! You know what’s crazy… Guess which mainstream investments follow the 4 % Rule… Basically all of them!! Including your 401k, IRA, Mutual Funds, and Index Funds.

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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