99% of People WILL Safeguard Their Wealth IF They Do THIS

So our session tonight we're going to go through is talking about safeguarding your wealth. And one of the things that's actually important for us to really dive into is let's take a look at the context of the situation of where we are today. So today we're it's April 11, 2024. And I think it's important to recognize that there's certain things that our media will share with us, and there's also certain things that may or may not be shared with you. So I just wanted to give a little bit of a vantage point. And what I'm sharing with you is from Statistics Canada and actually from a website, it's called trading economics.com and what they do is they gather information on the state of our economy. And in my opinion, it has a lot more objective point of views. There's just not a lot of interpretation behind it. So I just kind of wanted to share with you that what I've gathered here in front of you and what you see is Canada's GDP annual growth rate shows that it's actually expanded in the fourth quarter of 2023 by 0.93. Now, that's just at the end of December. I think we all know in December, usually people do their specific holiday shopping or there's a lot more spending that happens. But one thing I really highlighted is that you can see is there's a red arrow going down from that point where the from 20 at some point of 2020, the GDP was actually growing, going down significantly. Of course, we know what happened during that 2020 time, which included lockdowns. And then there was a big burst that happened since things have got lifted up and then afterwards over since then, until 2023 until now, you can see the growth in terms of Canada's GDP has been going down. Why is GDP important? Well, GDP is important because it actually is a measure of spending activity that happens as it relates to the economy, and that includes consumption, investment, government spending, exports and imports. So there's a lot of there's a formula that's involved as it relates to Canada's productivity that we can already measure. So if the GDP is starting to shrink, it's actually just it's an illustration to show the activity that's going on is going down.

Now, the next thing I'm showing is here, there's Canada's composite, which is a PMI that's showing the S and P Global Canada Composite. And for those of you that don't know, this is more specifically focused on the Manufacturing. So manufacturing is when you're taking raw inputs and you're bringing it into a facility, let's just call it a warehouse. And in that warehouse, you're putting together.

Work in process inventory and ultimately finished goods that get shipped out. And again, another thing I just wanted to highlight and show is that you can see that based on this measure, you can see the production of Canada and what is happening in that manufacturing sector. You can see it starting to go down on quite a significant basis. And I think we can kind of start drawing some clues together on what has been driving the production or the GDP going down. So let's kind of put that in the back of our mind.

The next thing I want to show with you is this looks like it's going up, but it's actually on the opposite direction. And this is where the value of the Canadian dollar relative to the US dollar. So what this is essentially saying is where I'm showing This screenshot, the 1.3712, is showing the Canadian dollar relative to the US dollar is much more expensive. So for getting $1 of US dollars, you actually have to pay $1.37 in Canadian dollars. Now, that's just the trading rate. On top of when you exchange money, there's also a little spread that the financial institutions will take, and it ranges anywhere, actually, from what I've learned now, is about 4,4%. So if you were to exchange to get $1 of US dollar, you would need to actually give up a $41 in this context here. So what that actually means is the ability to get, let's just call it material finished goods or pay for things that are outside of Canada. You actually have to spend more Canadian dollars to pay for it. Because the US Dollar is, is a very. Is the, you know, the global currency that everyone's using.

So the clue I just wanted to really drive into is what really brought into the context of why everything started to go down and when everything started to go down, it actually coincided with what you can see here, interest rates. And when it came to Canadian interest rates, who, those of you who don't know, bank of Canada is actually responsible for what's called monetary policy. And when it comes to monetary policy, they're responsible for setting that interest rate. So back in 2022, April, the interest rate was 0.25. And you can start seeing these stair steps. And just to kind of highlight a little bit of these stair steps, these stair steps basically represent the amount of times the bank of Canada has increased interest rates. So if we actually take a little bit of account towards it for so 0.2512, 3, 4, 5, 6, 7, 8, 9, 10. So the bank of Canada over the two years has increased interest rates actually quite significantly from 0.25 to 5%. They increased interest rates 10 times in the last two years. So if we kind of triangulate back to some of the things that I was talking about, it kind of represent shows as an explanation that you can probably connect together why the productivity of Canada started to go down so significantly. Now, the biggest thing that they will share with you was we needed to increase interest rates to curb inflation. And so they were trying to bring down the consumption so that there wouldn't be as much spending. And that was therefore going to impact our gdp. Because consumption, as according to economists, how they measure the GDP, is consumption is a component of it. So if consumption is going down, then the GDP will go down too.

Now, the other thing now I want to put together is, well, interest rates are a component that the bank of Canada controls. And when they set these interest rates, well, people don't just purchase and use just cash. They use what's also credit. So they go to the bank and they may have what's called a credit card. They may have a loan from the bank, they may have a mortgage with the bank. All of this is loans that you understand it as, but in the system it's known as credit. And there's a lot more things we'll talk about as it relates to credit. But what I just wanted to highlight as we look at the Statistics Canada data is the amount of credit that has been increasing over a significant amount of time. So the time that it was able to be shown, from 1971 until now, it's been 743 million in terms of credit that has been issued and outstanding with customers.

Now, here's a thing that started to really, that might start put, putting, put in people's minds to see. And this is what a lot may not talk about. And here's some context of the data again from Statistics Canada. So normally the Canadian bankruptcies just hovered around, let's just call it 260 Canadian companies. But now you can kind of see from 2021, hint, hint, since some events have started to happen in 2022, bankruptcies started to go up, especially at 2023. So as it's been going up, is there a real concern for people as it relates to those bankruptcies? Now, if there's been bankruptcies, what about how they've had Debt. Usually when people go into bankruptcies, they've had debt that they can't service anymore and then they have to declare that bankruptcy. So what happens in terms of a ripple effect across the economy? If yes, there is such a widespread amount of bankruptcies, you can see if the average is 260, it's more than doubled right now.

Now, based on all of what's been going on, I'm sure you can feel the same way that is showing here. And this is what's called a consumer confidence index. And this consumer confidence index is really just some points together. But what I just wanted to really highlight is more of since 2021, since the opening of the lockdowns and everything afterwards, you can see that the confidence in what's happening in terms of Canadians has been going down. So what does that actually mean as it relates to people and their confidence and what's going on? I think the general sentiment and especially with what's going on is people don't feel very positive about that.

So largely what I've shared with you likely isn't a surprise to you and the economic conditions haven't been favorable to many, including you. So what happens to you if these conditions continue the way it is and get worse or maybe perhaps it gets better? I mean one can most certainly hope.

What's important to recognize is that in all that has been happening, you had no input and control on anything.

Were you able to control whether interest rates go up or down?

Were you able to control the prices of your groceries? And what I'm just sharing with you is from Costco, just a package of drumsticks were $202. I don't know. During my time drumsticks were not $202.

Were you able to control watching your investments portfolio drop during that lockdown phase? And from the top to the bottom that you can see here, over a five week period, that was a drop of 33%. I'm sure a lot of you who may have been looking at their portfolio that was in their investments, it was definitely not an easy thing to sit through and imagine going through that for that five week period. What if you were actually going through that period during a time when you decided to retire and no longer work, so you only had your portfolio to feed you or sorry, help you during that time.

So type in the chat. Did you have any control over those circumstances, yes or no?

So I see a lot of no, no, no, no, no. Exactly. And this is really what I really wanted to start painting the Picture for all of you just to highlight and see.

Now, how about in 2020 when you were forced into lockdowns. Lockdowns, layoffs, devastate livelihoods worldwide.

And so how did that impact you financially? Your expenses went up.

Your revenues, if you had a business went down. If you were working or you had a business, your income also went down.

Savings. Because you didn't, you had more expenses. You couldn't bring in any income. You had to draw from your reservoir of money, your savings. And if you didn't have enough savings, you have to tap into credit or debt.

So eventually, if this continues, what does that mean for all of your wealth? Well, it starts eroding.

And no, I'm not going to pitch to you the next new and exciting stock mutual fund or etf. What I want to share with you tonight is actually talking about three books here. The first one is about becoming your own banker. So if you haven't gotten yourself a copy of this, this would be a really good book to get started, to really get some of the prerequisites I'm going to talk about tonight. It's about the importance of becoming your own banker. And this book does a really good job. It's sold over 500,000 of copies, self published. And how could this book sell so many copies? Well, first thing is it actually works. The second book that I'm going to go through is talking about this one. It's called Building your warehouse of wealth. And for those of you who actually have an intrigue of reading beyond 94 pages and want to dive into the topics in a lot more detail as it relates to becoming your own banker. Now this is a 94 page book that we actually ask all of our clients to get a copy and read because that really sets the mind to see where things are. And if you really want to get the mechanics or know more about the importance of building your own warehouse of wealth, this is the one I would really encourage that you got. Now, just as a selfish plug, there's going to be another one that's included which is called keeping taxes away for your wealth from your wealth. I got the privilege of co authoring that with two of my team members, Jason and Richard. And we got to talk. And in there I share very five very powerful strategies as it relates to reducing taxes you owe now and into the future. And as I go through the material tonight, you're going to see why I'm actually referencing these three books because I'm actually joining all of the concepts that together tonight for you to share especially when it comes to safeguarding your wealth as it relates to circumstances that are not in your control.

So how do I know this works? Well, please don't take my word for it. The first thing is I just kind of wanted to share with you, you know in the Toronto, in Toronto Google's we have almost 500 reviews just on that location. Five star Google reviews. Now these are real reviews. We don't, we don't actually pay anyone as spokesmans to fill up our reviews. These are actual people who we've helped and served over the lifetime of helping people. Become your own banker and be financially independent and just to share another one. Edmonton where our head office is 307 reviews. We have other locations but we also put together stories to share and you know we have a podcast Wealth Without Bay street on client success stories. So this is not just coming from my mouth. Please, you know, we, we encourage you to do your research and learn about this concept. Now as you are doing your research the only thing I'll just caveat to say is please focus on research and getting opinions from people who actually implement this process and do it not just owning a license and can maybe put together a life insurance policy and then they think that they are giving you adequate information as it relates to implementing the concept of becoming your own banker, even financial professionals. I'm a CPA CA myself and before I got my life insurance license I definitely didn't know life insurance or anything as it relates to life insurance to the level of details that I know about it now and today because we very much specialize in a very particular kind of life insurance. And so we know this, this process, this very the sorry, the subject or the product very well. But we also know how to implement it and use it in a variety of situations whether it's simple or complex. And also we coach and help other professionals as it relates to implementing this concept too. And I just kind of wanted to share a couple of, you know, feedback that we get as it relates to Google review. Now this was supposed to go randomly but it started with this one here with Jeffrey. He's given a five star Google review and it was me. And he talks about what financial offers isn't just financial planning. It's a ticket to financial empowerment for anyone looking to get a solid grip to their financial life and future. This is a place where you can take those critical steps. And there's a lot more things that he shared about education and I just thought if you was really nice of a review and I thank Jeffrey for putting that together for me. And then there's Jolene, who talks about Jingen, who was amazing to work with, had a lot of questions that we work towards, not just putting together and building the family banking system or tonight I'm going to talk about this warehouse of wealth and from building that warehouse of wealth you're going to have questions because it's different than what you've seen outside from everyone else. And this difference is kind of a new step. And if you are amongst your peer group and crowd, they don't, they haven't been introduced to this concept yet. You're going to feel definitely, very.

Maybe feel out of place, but recognize we've helped thousands of Canadians do this and we've nurtured and built a really solid community just to show the impact of this financial independence. Then there's Lagan, who's worked with Sarblo and he walks you through the IBC policy, makes it effortless for you and you know, there's special mention of Sukman, who are not only great leaders but also very knowledgeable and helpful. Malcolm, who worked with Dan and has set up with information and financial vehicle to implement his change for his future for the better. And you know, the most common question we'll always get is if this is so good, why is everyone else not doing it? And I think in tonight's webinar I'm really going to highlight why everyone may not be doing this. And so this is not a get rich quick scheme by any estimation. You'll hear people who say, like, oh, we do this for the money. We actually do this also for fulfillment, to help people. I'll just say build the financial independence away from the systems that we have in place today. And it's a paradigm shift in money behavior to build a strong foundation for generational wealth and it allows to develop key leverage along the way. I also just want to also mention here, Brenda Peters worked with Roman, who's very patient and I got to say I get the privilege of working with Roman and I definitely share that he's very, very patient. More patient than me, I'll just say. And he never gives up. He was in. She was impressed with his professionalism, excellent coaching skills and knowledge as she was extending those questions along the way. Tommy worked with Vernon and really this concept that we're going to talk about, the infinite banking concept, is a tool for the mind creating possibilities. And the key point is the process that is above oneself, that opens great opportunities and relationships. He also even recognized, even Our team on continuing to learning and seeking guidance from Ascended Financial with a shout out to Jennifer and Ben. And here there's Elizabeth Wall, who helped secure his financial future for generation today and generations in the future. Anyone.

Wanting to know about the Infinite Banking concept must book a call and hear the advisors out. And my team members can just share on for tonight really to get this process started. Tonight you are already investing time to learn about this process, learn about the system that I'm going to talk about and how it's actually going to safeguard and protect your wealth for now and into the future generations. And once you've learned about this concept, nothing's going to really change it. Your mind will be expanded, you'll know a little bit more of things. But if you really want that change to come into your life, you definitely want to schedule a call with our team members and book a call with us. And my team members will share that phone number in the chat.

So let me ask you this question. Is your wealth important for you? Yes or no? Type yes or no. Okay. I hope so. If your answer is no, please kindly make an exit to this zoom. I won't be offended. It's just something that I think is really important for everyone to focus on as it relates to the circumstances of serving themselves, their family and their future generations.

So the focus is to build. Today we're going to talk about the focus to build and fortify your warehouse of wealth. And again, just making reference to the book that we're going to dive into today. Because.

If your wealth is important to you.

Type in the chat. Are you going to gamble that wealth?

Are you going to go for the haymaker? Are you going to go try to go for the home run? Are you going to try to dump all in for everything?

No. Right.

Are you going to defend and protect your wealth if it's important to you?

Okay, awesome. Because when most people. So I see a lot of yeses. When most people think about defending their wealth, they just think about not exposing it to market risk. But today I want to illuminate some of the concepts as it relates to. There's actually more factors that that are going after your wealth and we're going to really identify what that is. Because without identifying what the threats are, how can you actually address and solve those threats?

So what are you defending against?

Well, are you in control of market volatility? Are you in control of changes in policy for tax rules? Are you in control in changes of interest rates? Are you in control as it relates to lockdown? Measures, Are you in control as it relates to economic uncertainty? Are you in control related to rises in bankruptcy? What about decreases in consumer spending?

So if you're not in control of those factors, those factors are going to impact your wealth. And if you're not in control of that, those components, you're not in control of your wealth, then who is in control? Now let's trigger a learning opportunity here. So wealth, most people just think of it as, let's just call it currency or you know, the tender that we use, fiat currency. But wealth is actually defined in the dictionary as an abundance of valuable material possessions or resources. So maybe those possessions and resources can include, include precious metals. Or maybe those valuable material and possessions can include band aids or toilet paper or whatever it is. Because one of the main things that includes the encompassing definition of wealth beyond the scope of some people's understanding is that it can include property that is a money value or an exchangeable value. So some people will decide to put into, put their money into real estate as an example, or all material objects that have economic utility, like during that time when as an example, toilet paper, for whatever reason was the rage that it, that people needed to stockpile it up on. Okay, so wealth could be more than just the financial component that you may see it as.

Well if, but I'm going to focus on if wealth is the resource and in this case, which is money, shouldn't we understand what is money? Well, I can just define it for you here just to keep it really simple. Simply money is either just paper on a paper. So we're familiar with the paper that you can see on the screen here. Coins or digits on a screen.

Now let's, let's dive into how money works. So I want you to visualize that there's a pool of money in the world.

Okay? So before we talk about how it brought, got brought into existence, we all know there's pools of money. You have some, I have some, Jason has some, Richard has some. Everyone has some of this pool of money.

Now type in the chat. Did everyone get an equal share of that pool of money when it was given out? Yes or no.

So I see a lot of no's.

Okay, so someone has to have controlled where the money went. Right?

Now, before we look at where the money goes, where does the money come from in the first place? Well, it gets distributed from a bank and then it gets distributed amongst its approved distributors. So we're, I, Henry Wong, am not an approved distributor of money as it relates to it. So someone is responsible for distributing that money. And that's where I want to start putting into the picture that this is what creates the banking system.

So in, in real life, there are two global banks. The first one is called the World bank, and then the second one is called the bank of International Settlements. All of the money in this world centralizes and flows through this location here. So all of it flows around. It goes from me to you to this person, to, let's say, Amazon to Walmart to shopping. And ultimately money goes into a bank of the banking system. And that banking system is going to do their thing and move it and flow it through the World bank and the bank of International Settlements. And both of these again are located in Switzerland. Now, one of those divisions, as you can see from the bank of International Settlements, is they also set up shops locally. No different than if you had a international, multi, multi international company. You may have a Canadian division, you may have a US Division. Well, the banks have the same thing. There's a bank, a Canadian division called the Central bank of Canada. So all of the money. Oh, sorry, every country or will have that's listed on the bank of International Settlements. You'll see where these central banks are located.

Now, in terms of Canada's money supply, which is the money that's created, it's created by the Central bank of Canada. So the bank of Canada is actually a crown corporation and is Canada's central bank. And it was chartered in 1934 under the bank of Canada act and is responsible for formulating Canada's monetary policy and for promotion of a safe and sound financial system within Canada.

So once it's created, it gets sent to these commercial banks to distribute it to the public. So anytime you needed a mortgage or a loan, you went around to one of these banks to apply for that loan and then they would distribute that money to you so that you could make the acquisition of the home with the mortgage as an example. Or once you had money that's sitting in those banks, you needed to access it. So you would go back to those banks to add access it. So they're responsible for contributing or controlling or managing the flow of that money. So how did they make sure everyone uses it? Well, first the government got involved and they made it legal tender. So in other words, they forced you to use it and then they regulate and control it using legal means called the Bank Act. And the bank act was passed in 1871. And the terms of the act provided for a statutory review of the act on a regular basis to ensure legislators update the act in accordance to keeping pace with developments in the financial system.

So let's just take a look at how large this money pool is. Now what I put together is there are kind of four levels of money. And just to kind of keep it really simple, there's M0123 and if we add it all up, there's 7.7, which you know, with a lot of zeros is $7 trillion.

So let's put this into perspective.

Okay? I just want you to imagine how much money your family brought in pre tax last year. So a very simple example is if both husband and wife brought in $100,000, that is the amount of pre tax income gross last year. So you can already imagine what that number is. I hope so. I sure hope you know how much you're bringing in.

So now once you've got it divided by the money pool.

So you brought in that amount. So here's what it may look like. I'm just using the example 100,000 and the money pool is 7.7. So if we take a look at this 100,000 as a component of what you brought in it relative to the share of the full pool, your share of the pool is this is in percentage, okay, 0.00000129%. So it didn't even reach 1%.

Okay, so, so 100 for $1, that's 1% of $100. Didn't reach 1%.

Then look at how much of that money that comes into you that you got to keep. So imagine all the money that flows through your hands so far. So you are bringing in 100. But I'm sure you don't keep the 100 you're kind of handling. So now I'm introducing a term. You're handling the inflow of 100 and then you're also handling the outflow of a certain amount.

Now subtract all that money that goes out and add your net worth, assets and liabilities. So the money that comes in, let's just say, is 100,000. The amount of money that goes up goes out maybe for taxes, for expenses to live, interest, you name it, you keep 20,000. If your net worth was 1 million, your positional money that you've built up in the pool that's in your hands is 1,020,000. So putting that relatively to the money pool, again, 7.7 trillion, what you got to keep was that 0.000131, which is an improvement because now you are 10 ahead. Still haven't gotten that 1%. So it's just showing you how much of the money pool that's out there, that is in someone else's hands, that is in control by someone else. This is what I wanted to bring into that context.

So someone else, which isn't you, controls all of that money supply.

And there's a system that they have which you don't have the input on, you don't influence, or you don't have the control over.

So there's other people, which isn't you, who's controlling what's going on and can negatively impact you. So here's what's really not fair for you or not in your favor.

You're told to work for money.

So I'm sure all of you have probably experienced late nights working for money. And you're exchanging your, maybe you're exchanging your energy, your time for that money.

And as you're working for that money, that means if you're exchanging that time, that means time is being taken away from you for something maybe more important, like spending time with your young developing children or spending time with an elderly who's close to reaching their graduation point. Or what about those moments that you wanted to see them perform in their softball game or hockey game or tennis match because you couldn't walk away because you needed to bring in that money. You are told to work for the money. Now here's the part that's not fair.

For the system or for those to get more money, they can just print an unlimited amount of money with the stroke of a button.

So you have to invest the energy to go through it. They can press a button for it.

So what I wanted to go through is actually a video here. Fair to say you simply, Simply money. Yes.

Yes, we did. We did. That's another way to think about it.

We did. We did.

Where does it come from?

Printed.

We printed digitally. So we know as a central bank we have the ability to create money money digitally. And we do that by buying treasury bills or bonds or other government securities, increase the money supply. We also print actual current.

So the thing is, to make things even worse, maybe just to kick you while you're down.

They can confiscate a majority of it through taxes. So here's just a little bit of a quote that I'm just going to let you kind of digest that.

Taxes on wages, sales taxes for spending, income taxes that was already taxed. And then when you die, there's death taxes that was already on money that you've accumulated from after taxes. It's very, very weird.

So in case you don't know, we have a Canadian progressive tax system. The Canadian tax system is progressive, so the more effort you put in, the less of it you get to keep.

And each year they also introduce new tax laws.

That you have no control over, you can't dispute and.

Prevent new taxes from being imposed on you. And that's all usually designed to force you to pay more taxes. Just like on April 1, 2024, they increased the carbon pollution tax by an extra 15 per ton, which is quite a lot actually, for people, which is about 23% plus.

Those money to fund their spend.

The American government, the European Union, countless others, and they all got inflation. Why is low inflation while the rest of Europe. Why?

Why?

Because the Swiss are their money money.

Frank.

Frank. Whereas.

Cash, the Swiss, Swiss Central bank, the Swiss low inflation, European inflation. Very, very simple. You print cash, you get and get inflation. I warned that if you printed money money, I was right. Right.

And.

And it continues.

I do apologize. I haven't actually worked out why there's an echo. So just please bear with me while it just goes through. I'm just trying to help illustrate some of the content going through it.

So if we take a look at Canada's government spending, we can kind of take a look at the history from now, from the history of back then to where it is today.

So that amount of spending has gone up significantly.

And if we take a look at what you see here, which is called the Canada government budget value, again, this is all from the Department of Finance. It's very, very, you know, straightforward information, public information that's already shared. The line above zero is the amount of times they've had a surplus.

The amount of anything below that is the amount on a monthly basis in which they've had deficits. And what I really want to highlight is the, the magnitude of the deficits that they run into. So the context I just want to put together in stitching what we've just seen is spending has gone up significantly. The amount of money that they're bringing in is not in proportion to the amount of spending. Now, I don't know about you, but if you aren't bringing in enough money, but you're spending more than what you're bringing in, that's what that deficit is. That's how big that deficit is. And why is that deficit so important? Well, if they don't have the cash or money to pay for the spending, what do they do? They end up going into more debt. Why is the government's debt so important for us? Well, let's just before I dive into that, let's look at the amount of debt that they had and where that level of debt has ballooned to in this case. And this, you know, is billions of dollars, but it's actually $1,000 billion dollars, which is trillions. This is trillions of dollars of debt for the spending of that this government has been going through.

So where.

Is all this money going to come from to cover their spending and their debt? Because here's the kicker. Where does the government get their revenue?

They get it from you.

And it's not just by doing things like increasing taxes in one year. Everyone just thinks about the income taxes. But what about sales taxes? What about those death taxes? What about those capital gains tax? What about those carbon tax? There's a variety of new taxes that get created each year that suddenly you wake up and you're like, oh, I got some more money that's needing to pay to the government in the form of taxes.

And the amount of taxes that is going to be increased on you is not just one year. It's going to go through your lifetime. And that means your future generations. So before.

Your next line or generation comes into this world, they are already burdened with needing to pay taxes.

Something is wrong here.

Coming into this world, they're already inheriting this debt that this government has created.

So for the purposes of just the enjoyment, I really am going to refer to because they like to impose a little bit more control than they, they do. So I'm going to refer to our friendly aunts and uncles as Caesar and his puppet masters. Will they take care of.

Now objectively ask yourself the question, what have they actually done right since they've come here helping us?

Now, this is not about what to buy to build more wealth because financial entertainers say you've got to take some risk to make money, right? So are you going to risk your, your wealth?

What I'm going to talk about today is about preventing them from taking from you what you've earned because they're gearing up to launch a tax on your wealth again. I'm going to play a video and I apologize for the echo, but I guess it adds to the effect for tonight.

Pointing out that some tends to be better at households do have quite a lot of money.

And certainly it would be great if that money could go towards driving our recovery. And I want to make an offer now to all of your listeners. If people have ideas on how the government can act to help unlock that stimulus, I am very, very, very interested. Maybe as the court is suggesting, it happens by itself. That's the best case scenario for me. But if we have ideas on how you can really try to unleash that and particularly unleash it in the parts of the Canadian economy that really needs support, tourism, hospitality, domestic services, let me know.

You may well hear from people. Minister, just in terms.

Of.

So the question is.

Are you ready to defend it?

You see, if you don't have financial control of your hard earned money.

Someone else is going to take control of your hard earned money for you. So how can I get more control, financial control for myself and my family? Well, become your own banker. And this is where we're going to really set the earmarks as it relates to building this warehouse of wealth. The first is that design and specifications of the storage container which you have control over in terms of the input process of designing it.

The second is putting together a warehouse that you own and control.

The third is putting the storage containers inside this warehouse that you own and control.

And building this and having this warehouse and having your storage container on top of land you co own.

This is your warehouse of wealth.

And if it's built well, well what happens in there is it's a repellent to the banking system and the government.

And we're actually creating our own banking system through dividend paying whole life insurance. So this is where that book comes from.

Life insurance agents don't have. So even though it's a life insurance policy, life insurance advisors, license advisors don't have the training around this and one is to make sure it's properly designed. The second is knowing how to use it. The third is the philosophy of being financially independent. And our authentic philosophy is since every coach in which we work that works with people like you, we all use it. It's part of our life and therefore we can teach it. We not just talking out of theory.

And when it comes to infinite banking, especially with what we're going through, it is a lifestyle, it's a process. And when you understand the concept of becoming your own banker, it actually becomes really really hard to go back. And tonight you're going to figure out why.

So I want you to first, if you have preconceptions around whole life insurance, please free your mind from those misunderstandings. Quit taking information from uninformed opinions. Learn and do your own research and think about it. What I'm going to share with you is just information for you to think about.

I also want to set the important recognition that the whole life insurance is just a tool to do the job.

And how it was designed to help you to do the job. The coaching is a very important component to get it to be successful in getting you to use it. And that's what actually matters.

So the first thing I want to talk about is capital preservation. Preservation of capital is a conservative capital strategy where the primary goal is to preserve capital and prevent loss in wealth and in uncertain time. Isn't it important to protect and preserve your wealth type yes or no. Is it important to preserve and protect your wealth?

Okay, so I see, yes, absolutely, absolutely.

I sure hope so.

So does that mean hoarding and holding on tightly the resources that you're putting together?

What if you could have access to the capital without risking your wealth? Wait, what? How can I access capital without risking my wealth?

Well, the tool that I'm talking about has financial guarantees built into it that the insurance company fulfills, not you. So the insurance company fulfills it. What does that actually mean? Well, the first thing I need to set some the stage correctly with is there is the financial guarantee where the cash value has to grow and equal the death benefit at age 100 without exceptions. So that's the first formula or guarantee I want to make sure that you are aware of. There's a cash value and the death benefit have to equal at age 100 without exceptions in Canada.

So because of that requirement, cash values can only go up, it can never go down.

So before age 100, the cash premiums that go in, when designed properly can be less than the cash value, which is also less than the total death benefit.

And then at age 100, the total premiums that go into the policy is going to be less than the cash value. And oh, it should be equal to the death benefit. It's not less than. That was a typo on my end. It should be equal to the death benefit.

So let's just put some more important understandings around the roles and responsibilities. The insurance company is responsible for building the cash value, not you. So what does that actually mean? The insurance company takes the risk to build the cash value, not you. So that means the insurance company takes on the market volatility. The insurance company takes on the changes in policy for tax rules. The insurance company takes on changes in interest. The insurance company takes on impacts on loss of business because of lockdown measures. The insurance company takes on economic uncertainty. The insurance company takes on rises in bankruptcy. The insurance company takes on any decrease in consumer spending. But as the insurance company is taking all that risk they may lose money because of taking on those risks while they haven't and their years of existence, which is over 100 years in Canada and it doesn't matter because all they are responsible for doing is building the cash value in the policy so the cash value can only go up.

So while the insurance company that you co own by the way, bears the risk to build the cash value, you have access to the use of their capital without interrupting that increasing cash value.

So I also want to let you know that the cash value is outside of the jurisdiction of the govern the Caesar's role of tapping into it. It gets to grow tax free because it's not income, it doesn't fall into their definitions of taxes.

You can receive a share of the divisible surplus as dividends. And for the insurance companies that we worked with, they've paid dividends every single year without a single miss from 1867, 1936 all the way to 2024. Is there any company that you know of that has existed with this track record of 100 years that has produced a divisible surplus or a profit and been able to pay their dividends, their owners dividends, Very, very, very, very rare.

And what if you can receive more money tax free at death compared to what you put in?

How much money do you earn for giving your money to the commercial bank? Let's just kind of look at it from this perspective. Just type in the chat, how much do you earn for giving money to the commercial bank?

0.0.005 nothing. 0? Yeah, pretty much.

Nothing. Hardly anything.

And no, it's not the 150 fees they charge you for each transaction. And no, it's not the 25 monthly account fees they charge you. And Dan, you're correct, they actually charge you for having your money there. So it's actually nothing to see there. Right, so in terms of you providing the money to the or the deposit to the banking system or the commercial bank as it relates to the amount of money going up, there's nothing to see there.

So how much do you think they earn from your deposits? Just type in the chat.

400% 10x. A lot. A lot. It's actually, it is a lot and it's actually what a lot of people may not know. And what I wanted to share with you is actually There was a YouTube that two of my team members, Sarbolo and Richard have done and it was talking about how much do banks make and especially in 20. Why was 2020 such a very particular point? Because that's when everyone else was required by the government to go undergo lockdowns. But the banks still worked. They had no issues. It was still going on. And they were able to make a profit because without the banks, everything would grind to a halt. So banks needed to exist. They were essential.

And if you go and watch this video, this video has a particular link with financial statements that are public information to show you how each. How much each of those banks made. So what I just wanted to highlight as an example is for the deposits that went in as 12.4 billion, here's how much interest they paid 12.4 billion. And here's how much this particular bank earned as it relates to the earned interest. 29.7. How much of that 29.7 did they share with you? Type in the chat. How much of that 29.7 did this particular bank share with you?

None. Right, so you give them the fuel.

And then they use that fuel to earn more interest.

Well, here's this one, this one put in, they re they paid out 6.7 million in interest, and then they actually earned and received 16.77 million or million from that. And then here's another one which paid out 10.2 million and then received 34 million out of that. That's a pretty good business to be in. I pay nothing, limited, zilch, nothing. And I get the fuel to go make more money from it. That's a pretty amazing business model to be in.

So they're making at least three times the profit from it. There's actually a lot more behind it, and they make more than that. But you know, just to kind of illustrate the content tonight, just to show you, that's how much they're making off it. And I'm. You already know, they share none of that with you, but you're the one giving them the resource.

Now here's a question that very few people kind of consider. How much does it cost you.

To give your money away to someone else? So when you pay for your hydro bill, when you pay for your utilities, when you buy a car, when you pay for food and groceries, how much does it cost you beyond buying those goods? Is there any more cost behind it? So you have $100, you use it to buy groceries, $100 have been paid for it. Does it cost you anything more? All right, so I already start seeing some people talking about opportunity cost. Okay, this is amazing.

And so there's a concept that I want to talk about, and it's called opportunity cost. And this opportunity cost is the Potential foregone profit from a missed opportunity, the result of choosing one alternative over another. So let's dive into that. What I want you to think about is when you flow money that you have and you use it to pay a credit card, as an example money that you have, you've passed it over to the credit card company, so that money has transferred away.

When you have money and you have to pay the mortgage, that's money that has been transferred away from you. When you have money and you use it to pay for food, it's money that has been transferred away from you. When you go on a vacation because you've been overworked and you're stressed or you want to spend really good time with your family or your loved ones, that's money that was used to go pay for the vacation, that has been transferred away for you for those experiences or that destination or that ticket. Whatever you are using for the vacation, if you used it for clothes, it's money that's been transferred away for you and you received the shirt or the pants or the socks. So what direction is your money moving from you? Toward away. It's moving away from you.

When all that money is moving away from you, how much of that money do you have today? The answer is zero.

So what that means is there's a permanent transfer of money that's going away from you. You're bringing it in and it's going out away from.

Not sure if you're that excited about it though.

So here's a big reason for that. When you pay cash, you're losing earning potential, which is interest. And when you borrow money, you're actually paying interest. There's no other way around it.

So every decision you make with money is a financing decision.

Notice how someone else is getting all of your money and not you.

Now let's walk through a very simple example first. So Instead of paying $1,000 for groceries, what if you have the opportunity or ability to put that $1,000 into the GIC, that's going to pay you 5% for that 1,000. So $50 in that one year is the opportunity cost.

Now obviously it's not realistic to, to not pay for food because that's what your body will need. And so you have to give up the opportunity cost to get those to exchange the money for food so that your body, so you can, you can consume it. But let's just make the example a little bit larger. Instead of paying $100,000 for expenses, cars, food, groceries, taxes, 100,000 can go into a one year GIC at 5%. And that is a $5,000 in the first year of an opportunity cost. So if you didn't have to pay for that, logic tells me you are money oriented to want to get more. And you would put it into something safe like a GIC and get $5,000. Okay, so you're giving up. Every time you're paying for these things, you're giving up $5,000.

Now let's take a look at this. If we take that $5,000 and we exclude compounding 20 years, the opportunity cost is $100,000.

So now I want to introduce you to a client of mine. Again, not exactly his name and just talking through a very specific example with him. Now, he's age 50 and he's an IT professional with a corporation. And he earns $300,000. And annually he was paying and he's paying $150,000 in taxes. So that's 50%. Now, not all of you are paying 50% in taxes. Thank all goodness Cesar didn't request that from you. But unfortunately for Brian, he had to. He has to pay at his income level, 50% in taxes. So he's tired of losing half of his money to Caesar and he sought coaching for me on how can we explore his situation to improve it. Now, a little bit of context, and this is not to discourage you, because he started this process five years ago, he's implemented IBC now for about five years. That doesn't mean you.

You can't have the same or similar effect of implementing ibc. Everyone starts their journey different than everyone else, okay. At a different point in time. And again, this case study is just specific to Brian. It's for entertainment and educational purposes only. Results will be different for everyone. So I just want to make sure you speak to an appropriate financial professional.

So immediately in his first five years, here's how he used his systems. His system used a hundred thousand to fund his investments, used seventy thousand to pay for renovations, and he's paid for debts for $50,000. You know one of that? So he's used his money early. Sorry. And then. But along the way, no matter what, Brian is doing all the work, he's paying for those renovations, he's paying down his debts, he's using it for investments, trying to get ahead and build his wealth. But when he's doing all that work, Caesar is also knocking on his door, getting some of his money, or in this case, all of his.

Now, Caesar has very high spending habits.

Caesar also has a very Luxurious, luxurious lifestyle.

Caesar also enjoys getting into a lot of debt.

So with all of the Canadians, here's actually the share of that debt and here's how much it's increasing on a daily basis.

It's funny, but it's serious. Caesar is also hypocritical and enjoys virtue, signaling you on how you should live when he doesn't follow it himself. So remember, the premise or the reason for the introduction of the carbon tax is to flight climate change.

Now.

I think we can all agree flying is a very costly, costly endeavor financially and actually in the form of, as they say, carbon dioxide or carbon for flying. But let's take a look at the amount of use.

Per hour. 3150 kg of carbon dioxide per hour of use. Short flights have a larger net impact than longer ones. Caesar decides to take short flights with empty planes that last 30 days and 17 of those over the last 30 days and then 10 of them were under an hour.

And you know what the best part is? All of this, Caesar doesn't have to pay for it.

Caesar also has a mafia of Agent Smith's who does ensure he gets paid.

So evading taxes is not a smart move. Please don't do that.

Now what frustrated Brian even more is watching every new year all of the introduction of new taxes. So here are some of those new taxes, penalties and filing obligations. Increased carbon taxes, April 1, 2024 aka the air breathing tax.

Bear Trust filing requirements and penalties. Now it's, you know, because of all the rage and everything, but people spent over billions of dollars of professional services just to figure out what this Bear Trust fiasco was. And they were going to penalize you heavily for not filing. What about if you were in Airbnb and using your property for Airbnb? Well, they wouldn't even let you deduct it for expenses. Then they had changes to the alternative minimum tax. For those of you don't know, there's one level of tax and then there's another system of tax called the alternative minimum tax, meaning they want to make sure you are paying a minimum level of taxes every year. Annual under housing taxes, underused housing taxes, CPP 2. If you notice on your paycheck today or when, when it comes out, you weren't just paying for one CPP, you're now paying for two CPPs. And then in Toronto, there's a talk about a rain tax.

So no matter how tyrannical Caesar is, he's still going to get his taxes.

Instead of complaining, Brian decided to take control of how he paid for his tax.

So for Brian, for some smart with some smart tax planning, with me, his coach, we set things up in a way that he can pay himself first before he paid Caesar. So now, you know, as an example, employees are structured. Are structured, unfortunately, in the most unfavorable way on the income tax act, money's already taken off your paycheck before you even get it. So he's not in that position. But there are other people can be in different ways, but for him, I'm just sharing with you. That's the important part I wanted to highlight. So once he did that, he implemented IBC again. Five years ago, we brought Clary to his financial situation. The main thing we did was prioritize. Before money got taken off for taxes or before it got sent to tax, before it got went to the commercial bank, we prioritized the money to go to him. And vis a vis his system.

We focused on changing the way he was paying taxes. So you see, the way everyone pays taxes is by depositing money. So they earn the money, it goes into the bank, they set aside it. Set it aside by transferring into a savings account, depositing it. So they're building the money up in the commercial bank's storage container.

So everyone builds up their money inside the commercial bank's storage container. Remember the storage container that they charge you monthly to use? They charge you for every transaction that you need to use it for. They pay. You did leave nothing to give them that fuel. So you're using the commercial bank storage container for your money.

Sorry, he was using for money. Brian built up that money instead, built it up in his storage container, which was created for him, which we worked together five years ago for it. And he has situated that in his warehouse of wealth. So he has the container and he put it into his system, which was his warehouse of wealth.

So the storage container he had for five years so far. He was, as part of what he had, the input in that Design was, was 30,000 annually.

At this point, his storage container doesn't need him anymore to fund any more deposits. So really, it'll last him until he's age 100. Everyone who gets confused thinking about this is life insurance and everything along those lines. Like, I got to fund this all the way to my lifetime.

It's actually the way that we design it will reach its survivability period over a reasonable time. For him, it was five years.

So, however.

Remember, his goal now is to recapture the taxes that he will have to pay. The money is coming in from somewhere. It's getting stored in the commercial bank's storage container. Why don't we relocate the money that was going to the storage container there into the storage container here? He has that option again. If you are someone new who isn't a client right now, you may not have this storage container created for you. And that's what you want to book a call with us for, to dive into these circumstances with you on so that we can get your input to help you design the storage container that best fits your financial journey to where you are right now.

So his goal now is to use the storage container to help him pay for taxes that he will have to pay again. He's not going to evade it. He doesn't want Agent Smith showing up on his doorstep. So let's look at the process for him.

Over 15 years. Here's what's happening. He's 50. If he's earning $300,000 a year, half of it is going to taxes. He's handling $4.5 million. So from 50 to 65 he's going to handle and bring in $4.5 million. So Brian's 50 years old. He earns $300,000. $150,000 goes to taxes each year and he projects he's going to work until 65. His estimated cash over that 15 year period is at least $2.25 million. Remember, 50 goes to tax. So 150 times 15 or 150 times 15 together 300 times 15 is 4.5 million. That's not all. 4. That 4.5 million is not going to Brian. Half of it is going to Caesar. How do we solve this problem?

So here's what. It's important to recognize the situation that Brian is in. He hates seeing that he's losing 50% of his money.

He can continue doing what he's already doing. Using the commercial bank to stack up his money in their financial in their container to save up his tax money and then just suck it up and work hard. He knows it's coming. It's like I, I'm so helpless. They just already put so much of these rules in place that I can't even change. I don't get to input, make any difference about it. My voting doesn't really get anywhere with it. So I just am going to suck it up and work hard and just let them take half of my efforts away.

And that's giving half of the efforts to Caesar.

So let's work through that math again. Money brought in was 300,000 times 15 is 4.5, but Caesar's confiscating half of it, 2.25. So Brian is losing 50%.

Now, the second way he can go about doing this is change the way he's paying for the taxes. Change the way he's paying for taxes. Again, this is very personal to him. The circumstances and how things can get architected may be different for your situation. So this is not something you can actually template and follow and say, yeah, I know what I'm doing. I can do it. It's actually, there's a lot of things that get taken into consideration. We don't want to trip things the wrong way and cause a bigger issue out of trying to get out of it the problem. So I want to just, again, make sure you understand that this is not financial advice. This is specific to Brian, and this is specific for learning purposes only. Okay. So he chose to use the storage container he started five years ago. So he has actually multiple storage containers, but one of them, he's now dedicating to use the axis of capital for this purpose of taxes. Remember, this one is where he was depositing 30,000 annually for. So Brian is taking the 30,000 that was initially going to the commercial bank in that storage container, and he's going to take the 30,000 and actually move it to the storage container that was created for him. And he's going to keep this up for 15 years until he's 65. So if we make do the math related to that, 30,000 times 15 is $450,000.

So let's just graphically represent and see what this looks like with him putting no more money after 65. Let's just take a look. Does his money, does his system recover more than enough taxes by 85? So the money in was 3. $30,000 15 times 30,450. And if we take a look at it from this specific standpoint, at 65, he's put in the 30,000 for 15 years, which is 450,000. Here's how much capital is in his system or his storage container in that particular storage container. Again, he has a warehouse of wealth with multiple storage containers. But this particular storage container has 976,000 or will have 976,195. How do I know that? Because he's following his plan. And if he follows the plan because of the contractual guarantees that are built into the tool, it's very, very predictable in what it's going to be.

So 976,000 at age 65. He puts no more money in. But that's weird. At age 75, his capital in his system is going to be 1.5 million. He puts no more money in and he goes and he ages to 85 and his capital grows to 2.526. Oh, wait, let's take a stop here. His tax bill was 2.250. So at 85 and all of the taxes that he's already paid, his system has come back to him to give him back that capital. Because he was so dedicated and focused in putting in his 30 into transferring what was initially in the storage container in the commercial bank into his system. So he prioritized the focus of the location of his deposits. Instead of again giving it to commercial bank, he's giving it to his system. And by doing that, his system is returning him at that projection 2.5 compared to the 2.2 that he's eventually going to project to need to pay. And he lives another 15 more years. Whether he lives to H100 or not. His system is actually waiting for him for 4.7 million. So you can decide to end his life or if he decides to end his life at 85, he still @ least has recaptured.

The taxes that he has been paying to Caesar by putting only $450,000 extra to the problem.

He has recaptured the $2,200,000 by putting less money into his system.

So Brian puts 450 towards the storage container. The storage container can create upwards of 4.7 million. Brian still will pay the 2.2 to Caesar. However, at least in this case, he doesn't walk out with having half of the money. Now. He actually still gains $2 million.

So with time and financial discipline, Brian can easily recapture the money that was leaving him because of those taxes.

Brian made two. Sorry, wrong wording. There two objective financial decisions that prioritized him and his family.

The first was he redirected his deposits that were allocated for taxes away from the commercial bank storage container into his own storage container.

The second is he access the capital out of his storage container to pay for his taxes instead of the commercial bank storage container to pay for his taxes.

Now you can start seeing that this is actually a lifestyle because you want to keep everything you're doing in your storage container and system instead of start depending on someone else's storage container.

Now here's another thing Ryan understands. There's a cost to everything. Remember we talked about, talked about opportunity costs? Money's leaving him, meaning means there's an opportunity cost. He can't Earn anything on that money that is gone. When he's giving that $150,000 to Caesar, he doesn't actually know how much of that 150,000 is actually coming back to. Maybe he doesn't get any of it. Now they're going to. He's going to share with you. He's created all these public roads and healthcare system and everything like that. But you know, let's just park that in the back of a mind for soon.

Just to illustrate using his storage container, how he would benefit from using it.

Let's just take a look. If you have $30,000 you have two decisions to compare. This is not an investment that we're comparing. We're talking about the decision of where you're putting your deposit. Would you use the storage container that was created for you or would you use the commercial banks? Well here's his Year 5 to Year 6.3000 goes in.

The storage container gives 37,000.

Of capital. The Commercial Bank's storage container has 30,000. So if I was the commercial bank, sorry, if you had $30,000 or if you were Brian and you had $30,000, where are you going to store the. The $30,000 commercial bank that gives you back the $30,000 minus the fees and minus the transactions, minus the headaches, minus the all the extra other drama that comes with it. Or I'm going to take the $30,000 and put it into the container that's been created for me since five years ago. That gives me an extra 7,000. 012. The Commercial bank has no way of competing against Brian's special warehouse of wealth that contains many storage containers. That's just one of them.

Do you think a commercial bank would actually pay him an extra $7,001 $7,012 for a $30,000 deposit type? Yes or no?

Oh no way. Never.

Do you start to see going back to the video that I was sharing with you because we can't see how much the commercial banks are earning off of the deposits you're giving. They're you're giving them.

Here's just an example specific to Brian, how much he's gaining after five years of loyalty of building his storage container.

Let's look at the range. Long range.

In five year increments. So five year commitments. 30. 30. 30. 30, 30 for five years is 150. But the difference in time frame, that 150 means something different in each of those time frames. So let's just take a look at it. The Money going in for 51 to 55 is 150. How much is that going to be as it relates to. To comparing the commercial bank storage container versus Brian's warehouse of wealth with storage containers. One of his, his, his main one container that I'm sharing here.

The commercial banks container is going to give the same 150. But.

Brian Storage container is going to give him at for put it for running 150 as a deposit through it returns him back 210 as available capital to utilize at age 60. If he brings up 150 if he gives it to the commercial bank they're going to give back to him 150. Maybe the fees are going to be $100 per month. I don't know. It'll be probably a lot more than what it is today. And but his commercial, his storage container is 267. Now it's 65. 60 to 60. 61 to 65. He's put 150 and the storage containers 343. In terms of accessible capital 70, the storage container is 423. 84175 is 555076. I think you get the point here. If I go to age 100 the same 150. This is crazy. The same 150.

Gives that one year the 1.5 million of accessible capital. It sounds so mind boggling. But this is not because it's being made up because there's contractual guarantees backed behind it. But this just shows you how much the Canadian banking system is robbing you for the deposits. How many of you have been giving the commercial banking system running through maybe $150,000 in terms of deposits. Has any of them given you an extra 61,000, $61,000? Has any of them actually given an extra 267,000? I can't see that ever happening.

So while Brian today doesn't need to fill his storage container anymore do you think from that 65 to 70 Brian period for which Brian is, you think he's not going to handle $30,000 per year. He's going to need a location to store it. He's not going to store it in his mattress. He's not going to store it in the commercial bank. He's going to store it in his container. So if he stores it in the container well that's where that 423841 comes in.

So how many of you have given the deposits of 150,000 over that over a period of time? Just type yes or no. Do you think you've given the bank at least $150,000 through your. The banking system, through your time using them?

Right? Yeah, I see lots of yes. And you are so used to seeing how much they've been giving you the 150 back, but they haven't. You actually haven't seen how much more you could have gotten provided your money was being put in the right location for the storage container.

So has any of them paid you any extra? No, they haven't. So this is how your warehouse of wealth works. It works differently. It's in your favor. It's in favor for you and not them. And when we get the blessing of always being able to meet with wonderful people just like yourself, we always get the question, how does this work? And when people ask how this works, they're comparing how this works to the commercial bank. If anything, you should be comparing why commercial banks don't work like this. You're giving them fuel.

If you loaned me money, I think you would expect a. A return or an interest for that money. When you give the bank money and they're using that money to make a profit, shouldn't it make sense that you get a share of that profit in some way, shape, or form? But it doesn't work that way. Why? Because it's in favor for them and not for you.

So this might be a lot of information for you to digest. It may be a s. A point where you're, like, so confused. So please, just free your mind from the conditionings and the training of the commercial banking system.

Don't hold those opinions. Explore it yourself. Look into it.

Because for Brian, he doesn't just do this for his taxes.

He does it with everything that has the use of money and is leaving him. So when he puts it into investments, that's money leaving him to another location.

When he takes his money and it's getting confiscated. To Caesar.

When initially, before he started, he had some debts. Well, he had to clear those debts, and he used his container to help him with that because that was money leaving him, the renovations. That was money that was leaving him cars. That was money that was leaving him. When you take your money and you put it into a car, as soon as you drive it off the lot, the value of the car already went down. So you are already at a disadvantage by putting money into the car.

Now, logic says you would put money to where you get the highest return, but there's a practicality component to it that for your job, for your ability to live or Move around the city, you need a car, well, that's a opportunity, loss or cost that you're willing to take.

So the infinite banking concept is an exercise and imagine reason, logic and prophecy. And so I want to leave you with this. After going through what I've shared with you tonight, you have an option. First option is you can keep things as they are and continue letting Caesar and the commercial banks and the systems that they set up bleed you dry through taxes and interest on things that they control.

Option two, you can choose to get this process started, reclaiming the control of your wealth and shielding it from things you don't have control over.

Your journey to financial control starts for you and your family rests with you.

And this has to come from having an honest introspection at this point and a commitment to get out of financial prison. It must be a burning passion. And we have a really good webinar in case you haven't learned about this concept yet@watchibc.com and also in our webpage we have a webinar with a really impactful nine minute video that Jason has recorded to really help you get the gist of this concept. So the first thing is, if you haven't started yet, I really hope that tonight was an opportunity for you to get your eyes opened to see how important it is to start taking and prioritizing yourself to build this container. Because as you build this container over the long term, it's really going to help you, help you out. And for Brian's case, he has a very clear roadmap knowing that this container that he's dedicating for 15 years of funding, the amount of money that's going in, which is far less to be able to recover all of the money that he was going to pay for taxes.

So choose making the earning potential and all the money that flows through your hands. I want you to, if you haven't, please schedule a call with our team by texting schedule to 780-80945 right now.

So I wanted to say it was such a pleasure getting the privilege to go through the content and share this message with all of you. And I want to make sure that if you haven't, please do schedule that time with our team members. And if you are already working with our team members, if you are already a client of ours, make sure that you really find more opportunities, you have enough money that is leaving you find more opportunities so that there's enough cash flow so that you can have it go into your container first before it's going out. And just as maybe for my benefit to ask you just at a scale out of one to ten, my feelings won't get hurt. If you got a lot of value for the time that you've put in tonight, please say one for you. Wish you did something better with your time. To 10. You've got a tremendous amount of value for your time.

Hey, awesome. Thank you. Thank you for making me feel good. It was really, really nice about that. And one of the things that I also want to just encourage is as we really try to help people implement the concept and become more independent for themselves and build things for their family.

Please help share the message and write a really helpful review on the things that you've learned tonight. We can share our Google links of reviews just so that you can really share with everyone else. I mean, don't hesitate to go to our Google links and see all of the wonderful lives that we have the blessing to help in their situation. And for Brian, he's been with me for five years and we've been working on this for five years. So, you know, things don't really change as it relates to taking control of the money, as it relates to what's going on in his environment. What's important is things outside keeps changing. However, we're working with that all the time. And this is not something that is for instant gratification. If you need instant gratification and trying to gamble for the next big win, this is not for you. The concept here is for someone who has financial discipline and really looking to make the difference forward and they don't just think that this is a life insurance thing. There's more to it.