Between their less than inspiring 401k performance, and not knowing all of what’s on their ‘options’ menu, most folks are hungry to more clearly understand various investment vehicles.

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Transcript:   Today let’s talk about various investment vehicles. I want to talk about the difference between buying discounted notes or maybe an EIUL, Equity Index Universal Life. It’s an insurance policy that is geared towards income while you’re still alive in retirement instead of a death benefit once you’re gone. That’s the only difference. What’s the difference between betting on the stock market the next 30 years or betting on notes on an EIUL for the next 20, 30 years? It’s already been proven over the decades that if you get good advice, and of course, we see with 401Ks that apparently most Americans are not getting that good advice because they’re arriving at their 65th birthday with 100 thousand or less in their 401K, right? Of course, they all have matches so it’s even less impressive. If we’re told that you can make seven, eight percent over the really long haul, let’s call the long haul 15 to 30 years, in the stock market. Let’s assume that is the Lord’s truth for today’s discussion. What we both know is that when you buy a stock from a brokerage firm, they don’t give you any security for that stock. You’re just buying a slice of ownership of that company. When you buy a piece of real estate, that value can go down, but you’re always going to be able to rent that house out or those four units, whatever that is, for something. Where when things go really bad in the economy, it’s not just that dividends go down, generally speaking, they go down to the floor or disappear completely. Then you get to notes and you say, not only do I have security more than just buying real estate, I actually get a piece of free and clear real estate if I foreclose on a first position note. If I bought that note at the BawldGuy Note Fund, I not only don’t have to foreclose if I think it’s better not to, I can just invoke my warranty. Everybody, let’s stop right there. Let’s have a show of hands across America. When was the last time your stock broker offered you a warranty on your Apple stock? Yeah. I didn’t think so. Let’s get real about what’s going to happen and what’s not going to happen in the next 15 to 30 years with your investment dollar for retirement income. If you’re buying notes, you’re not only getting a security that’s tangible, a piece of freaking real estate that’s free and clear when you foreclose, but in my case, with my fund, you’re getting a warranty that’s going to keep you whole. If you put X amount into it and somehow it goes south on you- and they will occasionally, don’t let anybody tell you they won’t because they will. 38 years doing it myself, they go south at times. If a note in my fund goes bad and you’ve received 20,000 in payments and you put 60,000 in it, the fund’s going to make up that other 30. You put 60 in, you got 60 out. That’s the way it’s going to be. You don’t get that with the stock market. Let’s compare it to EIULs. You put a certain amount in just like you do in your 401K. You put a certain amount in every month, every quarter, every year, however it’s structured. It’s after tax money. You don’t get any tax break like you do on a 401K sponsored by your employer. Those are mostly not Roth, right? When you put this in, 250 a month, 500 a month, 1,000, 2,000, 3,000, whatever you can afford and you do it for 15 to 30 years, two things are going to happen.