On this show, we talked about helping Americans get out of debt, get their kids into the best college possible and have a secure retirement with Jay Beattey, CEO of Velomon Group .  Listen to learn how you can incorporate a tax free, risk free income stream into your retirement!

For the Difference Making Tip, scan ahead to 16:49.

You can learn more about Jay at Velomon.com, Facebook, and LinkedIn.

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