Multi-Million Dollar ChoicesTM

MULTI-MILLION DOLLAR CHOICES TM

Multi-Million Dollar ChoicesTM

A one-time choice that will increase your Point of Choice assets by multi-

millions.

Multi-Million Dollar ChoicesTM

R = RecurringE = Expenses

R = Right

S = Save

V = Vehicle

I = Invest

you choose to

AND

in the

RESIRV

Multi-Million Dollar ChoicesTM

DailyWeeklyMonthly

QuarterlyAnnually

464,777

Saves $1

9864,765

14,94865,917

$ 110One Time

At age 65

20 Years Old

697,166

1,4797,148

22,37698,876

$ 165

50%Tax Match

1,394,332

2,95814,29644,752

197,752

$ 330

100%Employer

Match

2,440,081

5,17725,01878,316

346,066

$ 578

SalaryIndexMatch

464,777 697,166 1,394,332 2,440,081

$1

$1MillionDollarChoice

20 Year Old Investor65 Year Old Retiree

$1.49 $1.00 $.50 $.28Daily Investment to have $1,000,000 by age

65

Multi-Million Dollar ChoicesTM

Who wants to be a Millionaire?

Age Monthly10 $ 4.262

0$ 12.81

30

$ 38.8440 $ 121.4550 $ 421.0160 $ 2,407.36

Assumptions:Federal/State Tax – 33%Employer Match – 100%Salary Index Match – 75%Investment Yield – 11%

Multi-Million Dollar ChoicesTM

Multi-Million Dollar ChoicesTM

Daily$ .14$ .41$ 1.26$ 3.94

$ 13.72$ 78.69

Who Can Make a Million Dollar Decision Today?

Foodwww.ers.usda.gov.

Multi-Million Dollar ChoicesTM

MMDollar Choices

Cost of Food

$40 = Average per person per week

$160 = Average per person per month

$1,000 = Family of 4 kids and 2 parents

Food

$1,000

$1,000Multi-Million Dollar ChoicesTM

MMDollar Choices

30 Day Meal Plan

Menus that:1. Kids will eat2. Easy to prepare3. Nutritious4. Inexpensive5. Can easily be stored6. Purchased in bulk7. Purchased on sale

50% reduction in food expense

Food

$1,000

25%

$250$750Multi-Million Dollar ChoicesTM

MMDollar Choices

Million Dollar Choice Multipliers

20 Year Old – POC at 65

RESIRV Match

Food

$250

RESIRV Match

$5,417,250Multi-Million Dollar ChoicesTM

MMDollar Choices

Million Dollar Choice Multipliers

35 Year Old

RESIRV Match

Tax Match = 50% More

Food

Tax Match

$8,125,875$5,417,250Multi-Million Dollar ChoicesTM

MMDollar Choices

Million Dollar Choice Multipliers

35 Year Old

RESIRV Match

Tax Match = 50% More

Employer Match = 100% More

Food

Employer Match

$16,251,750$8,125,875Multi-Million Dollar ChoicesTM

MMDollar Choices

Million Dollar Choice Multipliers

35 Year Old

RESIRV Match

Tax Match = 50% More

Employer Match = 100% More

Salary Index Match = 75% More

Food

$28,440,563

Salary Index Match

$16,251,750Multi-Million Dollar ChoicesTM

MMDollar Choices

Food Aldi Grocery Stores

40% reduction in food expense

www.clarkhoward.comMulti-Million Dollar ChoicesTM

MMDollar Choices

Food1. Food

www.utahcityguide.com/new/guru

www.mygrocerydeals.comMulti-Million Dollar ChoicesTM

MMDollar Choices

Food1. Food

Multi-Million Dollar ChoicesTM

MMDollar Choices

Automobiles1. Food

Multi-Million Dollar Choice

Purchase:

Used

For Value

Drive for 10 years

$300 per Month Savings

What is Purchasing for Value?

Multi-Million Dollar ChoicesTM

MMDollar Choices

MMDollar Choices

Multi-Million Dollar ChoicesTM

Automobiles1. Food

Automobiles1. Food

What is Quality?Multi-Million Dollar ChoicesTM

MMDollar Choices

Automobiles1. Food

Multi-Million Dollar ChoicesTM

MMDollar Choices

Multi-Million Dollar ChoicesTM

Automobiles1. Food

MMDollar Choices

Automobiles1. Food

Who Was #1

Multi-Million Dollar ChoicesTM

MMDollar Choices

Automobiles1. Food2. Automobiles

www.edmunds.com

Multi-Million Dollar ChoicesTM

MMDollar Choices

5 Year True Cost to Own

There are eight components of TCO®:1. depreciation2. interest on financing3. taxes and fees4. insurance premiums5. fuel6. maintenance7. repairs8. federal tax credit that may be available

Automobiles1. Food2. Automobiles

Multi-Million Dollar ChoicesTM

MMDollar Choices

Home Purchasing Formula

Monthly Income – Primary Breadwinners

Less 10% for Tithing

Subtract Monthly Debt Payments

Multiply net monthly income by 35%

Do a Fixed Rate – 30 Year Loan

1. Food2. Automobiles3. Housing

MMDollar Choices

Multi-Million Dollar ChoicesTM

Housing

The Wealth of Great Health

1. Food2. Automobiles3. Housing

Average family medical premium $1,100 per month

Harvard Medical School

Avoid 75% of all medical expenses:

Get regular medical examinations

Establish their risk profile

Take reasonable steps to minimize their health risks

Multi-Million Dollar ChoicesTM

MMDollar Choices

The Wealth of Great Health

1. Food2. Automobiles3. Housing

www.medgle.com

www.drugdigest.org

www.hsacenter.comMulti-Million Dollar ChoicesTM

MMDollar Choices

The Wealth of Great Health

1. Food2. Automobiles3. Housing4. Health

Multi-Million Dollar ChoicesTM

MMDollar Choices

Insurance1. Food2. Automobiles3. Housing4. Health

Life Insurance Convert cash value to term

Drop ‘limited policies’ Accidental death and

dismemberment

Credit Life

Credit Disability

Travel

Health & Life

Prepare for examination

Homeowners and Auto

Multi-Million Dollar ChoicesTM

MMDollar Choices

Insurance1. Food2. Automobiles3. Housing4. Health5. Insurance

www.term4life.com

www.consumerreports.org/cro/money/insurance

Multi-Million Dollar ChoicesTM

MMDollar Choices

Debt Payments1. Food2. Automobiles3. Housing4. Health5. Insurance6. Debt

Payments

Penalty fees on loans and credit cards

Mortgage redemption

www.consumersunion.org

www.bankrate.com

Multi-Million Dollar ChoicesTM

MMDollar Choices

Expense Tracking1. Food2. Automobiles3. Housing4. Health5. Insurance6. Debt

Payments7. Expense

Tracking

www.mint.com

Multi-Million Dollar ChoicesTM

MMDollar Choices

Tax Refund1. Food2. Automobiles3. Housing4. Health5. Insurance6. Debt

Payments7. Expense

Tracking8. Tax Refund

IRS Withholding Calculator

www.irs.gov Personal Taxes

www.finance.cch.com

www.taxsites.com

Business Taxes

www.inc.com

www.smbiz.com

Multi-Million Dollar ChoicesTM

MMDollar Choices

Teen Work Opportunities

1. Food2. Automobiles3. Housing4. Health5. Insurance6. Debt

Payments7. Expense

Tracking8. Tax Refund9. Teen Work

www.sba.gov/teens/

Multi-Million Dollar ChoicesTM

MMDollar Choices

Teen Education Opportunities

1. Food2. Automobiles3. Housing4. Health5. Insurance6. Debt

Payments7. Expense

Tracking8. Tax Refund9. Teen Work10.Teen

Education

www.utahmentor.org/FinAid

Multi-Million Dollar ChoicesTM

MMDollar Choices