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      "body": "Congratulations @jerryfetta! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@jerryfetta/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@jerryfetta) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=jerryfetta)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "title": "What Should Your First Investment Look Like?",
      "body": "I talk to many clients who are about to become first time investors. There is much discussion on what a good first time investment should be. I hear everything from tax liens, foreclosures, government subsidized 4 plex’s, turnkey single family homes, and wholesaling. The truth is that there are a lot of options out there that a person can invest in. But should you? I will breakdown what I believe your first investment should look like so that you can build wealth faster and avoid common pitfalls.\n\nFirst off, what should you be looking for on your first investment? Cash flow! Why? Because if you’re just on your first investment you still have lots more earning and saving to do. You won’t be rich no matter how great your first deal is. Once you’ve invested you’ll be back to square one. Increase income and save again until you can do it again. Cash flow naturally enhances this cycle so that you can increase the income more and save faster and therefore invest again sooner.\n\nRight off the bat, that means a few things. Appreciation shouldn’t be a priority, tax reduction shouldn’t be a priority, and debt paydown shouldn’t be a priority. You want an asset that cash flows regularly, requires little of your attention, and doesn’t distract you from the thing that allowed you to have surplus money in the first place.\n\nMy favorite option is private lending on income producing real estate. Why? You get 2-4x the cash flow on a $50,000 investment as a single family home, government subsidized 4-plex, or other options. It also requires no work. You’re basically the mortgage company. You loan money. The deal pays you interest. You collect. That’s it. If they don’t pay you, to take away their asset. Simple as that.\n\nI have clients that do foreclosures and tax deeds. It’s not an investment, it is a job. You must identify the opportunity, look for a pipeline of them in case the one doesn’t work out, and then you need to underwrite them all so that you can select the right one. Then you must acquire the asset, which takes effort and time. Once acquired to must prepare to sell, which also isn’t passive. By the way, just because you purchased it doesn’t mean it will sell. Guess what? Now you’re a salesperson. This is not investing and I highly recommend against it for beginners.\n\nI also have clients who are into the single family turnkey real estate game. This also takes time and ultimately will only pay $150-$250/mo. Not to mention, the vacancy risk is extremely high. It’s a gamble. Right now, you don’t need tax breaks, debt paydown, or the other benefits touted by single family turnkey investments. In a worst case scenario you’re stuck paying a mortgage, utilities, taxes, insurance, and property management with no tenants. Grant Cardone’s first investment was a single family home and he also highly recommends against it. Why? Because it doesn’t get the job done. You need cash flow with no distractions.\n\nFlips aren’t investments either. That’s a construction and sales job. Can you make money? Yes, but it’s not passive and it will completely distract you from your primary income source.\n\nLook, you have to ask yourself if the goal is to be an “investor” or to be wealthy? There are plenty of investors who aren’t profitable and still worry about the bills. Just because someone has a podcast, cool Facebook ad, online course, or large following on Instagram doesn’t mean they’re a profitable investor. There are plenty of “experts” who make no money on their investments and you don’t know about it because you don’t see their financial statements. You need to look at the top 1% of wealth and how they did it. Why would you gamble with anyone else?\n\nMy recommendation if you’re new at investing is to get to $50,000 and pool your money with more experienced investors on large real estate deals. This isn’t a REIT or a Wall Street investment. This is an actual real estate deal that you’ll be contributing to. This gives you the scale and benefits of big money without you actually having all of the money yourself. You will also get the guidance of more experienced investors in the deal with you and build your network simultaneously.\n\nIf you’d like to learn more about how to invest, I want to offer a free phone consultation. I help my clients create a solid financial plan centered around investing and coach them through the process of how to get more money, keep more of it, and then invest it in the right deals to return passive income and expand. Click here to learn more.\n\nOwn Your Potential,\n\nJerry Fetta\n\nGrant Cardone Certified Coach\n\nJerry Fetta helps his clients build wealth so that they can eradicate poverty in their own lives and own their potential.\n\nHe believes scarcity and abundance cannot co-exist and that the way to end poverty is to help you build wealth.\n\nYou were not created to spend 40+ hours per week serving the 40-year-to-life sentence trading your precious time for money just to live in mediocrity.\n\nHowever, the truth is that time and money must be exchanged. It just doesn’t need to be you making the exchange.\n\nJerry helps his clients create wealth that exchanges time and money on their behalf. The only way to do this is to make more money, keep it, and then multiply it.\n\nHe has helped clients double their income, save $100,000 tax-free, and secure 8-12% fixed annual returns on their assets.\n\nTo get started, go to www.WealthDynamX.com/contact\n\n Wealth DynamX Home\nWealth DynamX TV\n\nhttps://www.facebook.com/WealthDynamX\n\nhttps://www.linkedin.com/in/jerry-fetta-601b00a0/\n\nhttps://www.instagram.com/jerryfetta/\n\nhttps://plus.google.com/u/0/105293536858963061578\n\nhttps://medium.com/@jerryfetta\n\nhttps://steemit.com/@jerryfetta\n\nhttps://www.youtube.com/channel/UCsGCnD2cXDbNj53GH4y50zg?view_as=subscriber![First-Investment.jpg](https://cdn.steemitimages.com/DQmcDAdPBmEtEsQTqbsPhCov7Aq6pv6gZpZCBqsrPqGUviv/First-Investment.jpg)",
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      "body": "You should have a financial professional. We can all agree with that statement. That’s someone who educates you, increases your certainty about money, and makes you aware of more valuable and more efficient things you can do with your money. The problem is, most individuals don’t have good experiences with financial advisors. Why? It just seems stuffy, arbitrary, and there is a lot of uncertainty.\n\nI used to be a traditional financial advisor. I sold Wall Street investments, 401k’s, IRA’s, annuities, and the whole lot. I was good too. I was endorsed by Dave Ramsey in 5 different states for investing and received numerous awards from the company I was with. My mindset was that you were a financial damsel in distress and I was the smart, strong financial advisor who knew it all. You were going to sit down in my office and share all of the things you were doing and like a big brother, I was going to listen, make you feel special, make sure I looked sophisticated, and then point out all of your mistakes and show you how I could fix it all. And I really thought I could.\n\nMeetings with clients consisted of 15-30 minutes of smiling and talking about “what they’ve been up to”, their kids, their pets, their parents, the weather, and their jobs. Then I’d proceed to present 10-20 different investment options inside the same portfolio and go through page after page of sophisticated sounding statements and hypothetical reports. (Hypothetical means “made up”). I would flip through 20-30 pages of these reports just talking and talking and talking. I would show all the high points and if there was a low point I would always show my clients that if they wait long enough their money would grow back again. Their eyes would glaze over after about 10 minutes, but I kept going for the full hour. At the end I’d wait for them to say they wanted to do it. Really they just wanted to escape the room and be done and they knew investing with me was the easiest way to do that. I didn’t know this until later. I just thought I was that good.\n\nThen came the paperwork. I would do all of the forms and ask you to read page after page of disclosures and legal words. This would take another 30-45 minutes. I’d collect signatures and then you’d wait for about 2 months while I transferred your money from your current account to your new account with me. Then we wouldn’t talk for 6-12 months until it was time for the famous “annual review”. Basically you’d sit in my office once a year and do the same thing all over again.\n\nOddly, most people go to the financial advisor because it seems “right”, but there’s always a gut feeling that says its off. It seems like a smart thing to do, but it is also very long and boring, seems irrelevant, and also seems very uncertain and risky. I’m here to agree with that! That is why I actually quit as a financial advisor years ago. I gave up my licenses, gave by book of clients away, and got out. Why? Because I learned it wasn’t right.\n\nThat’s when I started Wealth DynamX. Wealth DynamX is like your financial advisor, but better. Let me explain how:\n\nWe take the approach of building out your entire life, not just retirement.\nWealth DynamX is focused on helping you become financially independent, but we don’t call it “retirement”. Why? Well because retire means “retreat” and also it infers deferment. What do I mean? Well, you won’t retire until you’re 60. Which means your whole life is financially centered around something that might be 20 years away still. What about now? Most of the things you’ll do at age 60 would be more fun at 35 or 40 wouldn’t they? We believe you should be financially independent sooner than that.\n\nWealth DynamX does not teach you to live below your means\nMost financial advisors will teach you that when you retire you will only need 60-80% of your income. Why? Because they’re going to teach you to live below your means, budget, pay off your house, and be debt free. So because you won’t have a mortgage payment, a car payment, or do anything out of the ordinary, it won’t cost you that much to retire. We teach you to expand your means and your income. The reality is, you should be able to treat money like oxygen. This means you have infinite abundance. More money than you can spend, than taxes can steal, or than inflation can erode. We teach you to live a big life and to have the money to fund it. Often times our clients goal is actually 10-20x what they make currently and our job is to help them get there. We don’t believe that you need 60-80% of your income, we teach that you need MORE than you make today. A lot more!\n\nWealth DynamX does not touch Wall Street, Central Bank, or IRS “investments’\nA Wall Street investment is anything involved in the stock market. A Central Bank investment is anything that involves letting your money sit in the bank. And IRS investment is anything that involves putting your funds in a vehicle created by the IRS in the name of “tax savings”. Our plan is very simple. Make lots of money. Save 40% of it into Wealth Creation Banking (high early cash value dividend paying whole life insurance). Once you have $50,000 or more, invest it into income producing real estate deals. The life insurance grows at 6-8% and will not make less than 4%. It is liquid, tax free, and can be leveraged against. The real estate investments pay you 8-12% fixed annual returns, pay monthly cash flow, and are secured by real assets. You get paid NOW, with no fees, and if a worst case scenario happens you can always foreclose on the asset.\n\nThe result? Our plan focuses on your life, not just retirement. We teach you to think bigger and live bigger, now! Not 20 or 30 years into the future. Your money is safe, grows fast, and pays you every month. There’s not invisible “shares” to purchase, fees, tax consequences, or boring 2 and a half hour meetings to go over “hypothetical” investment reports and statements.\n\nIf you’ve always know you could do better than a financial advisor, I’m here to tell you that you’re right. Do better by working with Wealth DynamX instead. 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      "body": "So many times I see people that have a complete disconnect between their goals to be wealthy and the necessity of knowing how to sell. People talk to me all the time about how they want to be wealthy and financially independent and then I bring up sales and immediately they are turned off. “I’m not interested in that” or “Oh, I’m not a sales person” or my all time favorite, the full declaration of “I am not going to sell anyone on anything at all”. Great! You don’t have to! You also don’t have to be wealthy. They’re both optional but they don’t come without one another. It’s a 2 for 1 deal. Today I want to address the importance of selling so that you can master it and create wealth at will.\n\nI didn’t want to sell either. In fact, I hated sales. I didn’t want any part of it and I purposely would avoid it. The result? I was broke and had no confidence in my ability to earn income. This is a key similarity with all of those who are afraid to sell. It’s not distaste it is fear. Your income is low, you’re not taking responsibility for it and you don’t want to because you know you don’t know how and you’re afraid of what will happen. That was me and when I overcame that, I began building wealth.\n\nWealth literally does mean you must have lots of money. You might have life goals, sure, but nobody is going to pay for those for you and every single one of them is going to require money. Unless your life goal is to be homeless and live in the woods, but even then you’ll need money to some degree. When you realize money is a requirement, not a good idea or an option, but an actual vital necessity and required of you, then and only then can you even begin to imagine that wealth might possibly be real for you.\n\nWe’ve come to terms with the fact that you need money, yes, but now the problem is that you don’t have enough of it. Here are your options:\n\nWin it\nSteal it\nMarry it\nInherit it\nEARN IT\nI’m not going to help you with options 1-4 because they’re based on luck and low ethics to a degree so I will talk to you about earning it. “Well Jerry, that’s what I’m doing. I work and earn money.” Yes, but you don’t earn enough. And by the way, you ARE selling. You’re selling your time, energy, creativity, and ideas for money because you don’t know how to sell anything less valuable than that. You’re getting ripped off it you’re trading yourself for money. Want to earn more? With this method, you’ve got to give up more of yourself. You’ll be able to do this, until you can’t. At some point there will be nothing left of yourself to trade and you’ll be broke. So you’ve got to come to grips with selling or come to grips with the fact that you’ll someday be old, penniless, and worn out. Which is it going to be?\n\nIn reality, selling is just effective communication. So I’m going to make a prediction. If you’re “not a salesperson” you probably get walked over a lot, you are “introverted” and nobody really considers you exist, or you’re always arguing with people. How do I know that? Because those that can’t sell also can’t communicate and because of that they are pushed over all the time, or they are just ignored, or they always frustrated with “other people” and often get into arguments and disagreements. It’s a low level of communication and an even lower level of responsibility. Learn how to sell and you’ll not only build wealth, but your life will improve.\n\nRight now, I am actually selling you on selling. In fact, you already know its a good idea and you know you should be doing it and that’s why you’re so touchy about it. W = MKM. Wealth equals the ability to Make money, Keep money, and Multiply money. Make money comes first. This means to sell. If you don’t make it you can’t keep it and then you’ll have nothing to multiply which means, no wealth. It really is that cut and dry. Not only that, but you must be able to repeat the cycle. You can’t just make money, keep it and multiply it once. You’ve got to recycle the money you multiplied into your ability to go make more. You don’t only have to accept selling, you have to get obsessed with it. It is like breathing. Economically, if you don’t breathe you won’t live. If you don’t sell, you won’t have wealth. It doesn’t matter if you don’t “like” it. Try not liking breathing and see what happens.\n\nAt this point, if you’re still reading, it is because you’ve realized or you agree that you must know how to sell. We can’t talk about investing, or taxes, or saving if there is nothing to invest, nothing to pay taxes on, and nothing to save. If you understand that, I want to give you a free 3 day trial to Wealth DynamX University. Why? Because we include 3 days of access to Cardone University to this trial for you to learn how to sell. You will receive 3 days of access, a free coaching call, and a free Wealth Potential Analysis so that you know exactly what areas you can improve upon. Click here to get started.\n\nOwn Your Potential,\n\nJerry Fetta\n\nGrant Cardone Certified Coach\n\nJerry Fetta helps his clients build wealth so that they can eradicate poverty in their own lives and own their potential.\n\nHe believes scarcity and abundance cannot co-exist and that the way to end poverty is to help you build wealth.\n\nYou were not created to spend 40+ hours per week serving the 40-year-to-life sentence trading your precious time for money just to live in mediocrity.\n\nHowever, the truth is that time and money must be exchanged. It just doesn’t need to be you making the exchange.\n\nJerry helps his clients create wealth that exchanges time and money on their behalf. The only way to do this is to make more money, keep it, and then multiply it.\n\nHe has helped clients double their income, save $100,000 tax-free, and secure 8-12% fixed annual returns on their assets.\n\nTo get started, go to www.WealthDynamX.com/contact\n\n Wealth DynamX Home\nWealth DynamX TV\n\nhttps://www.facebook.com/WealthDynamX\n\nhttps://www.linkedin.com/in/jerry-fetta-601b00a0/\n\nhttps://www.instagram.com/jerryfetta/\n\nhttps://plus.google.com/u/0/105293536858963061578\n\nhttps://medium.com/@jerryfetta\n\nhttps://steemit.com/@jerryfetta\n\nhttps://www.youtube.com/channel/UCsGCnD2cXDbNj53GH4y50zg?view_as=subscriber",
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      "body": "So many times I see people that have a complete disconnect between their goals to be wealthy and the necessity of knowing how to sell. People talk to me all the time about how they want to be wealthy and financially independent and then I bring up sales and immediately they are turned off. “I’m not interested in that” or “Oh, I’m not a sales person” or my all time favorite, the full declaration of “I am not going to sell anyone on anything at all”. Great! You don’t have to! You also don’t have to be wealthy. They’re both optional but they don’t come without one another. It’s a 2 for 1 deal. Today I want to address the importance of selling so that you can master it and create wealth at will.\n\nI didn’t want to sell either. In fact, I hated sales. I didn’t want any part of it and I purposely would avoid it. The result? I was broke and had no confidence in my ability to earn income. This is a key similarity with all of those who are afraid to sell. It’s not distaste it is fear. Your income is low, you’re not taking responsibility for it and you don’t want to because you know you don’t know how and you’re afraid of what will happen. That was me and when I overcame that, I began building wealth.\n\nWealth literally does mean you must have lots of money. You might have life goals, sure, but nobody is going to pay for those for you and every single one of them is going to require money. Unless your life goal is to be homeless and live in the woods, but even then you’ll need money to some degree. When you realize money is a requirement, not a good idea or an option, but an actual vital necessity and required of you, then and only then can you even begin to imagine that wealth might possibly be real for you.\n\nWe’ve come to terms with the fact that you need money, yes, but now the problem is that you don’t have enough of it. Here are your options:\n\nWin it\nSteal it\nMarry it\nInherit it\nEARN IT\nI’m not going to help you with options 1-4 because they’re based on luck and low ethics to a degree so I will talk to you about earning it. “Well Jerry, that’s what I’m doing. I work and earn money.” Yes, but you don’t earn enough. And by the way, you ARE selling. You’re selling your time, energy, creativity, and ideas for money because you don’t know how to sell anything less valuable than that. You’re getting ripped off it you’re trading yourself for money. Want to earn more? With this method, you’ve got to give up more of yourself. You’ll be able to do this, until you can’t. At some point there will be nothing left of yourself to trade and you’ll be broke. So you’ve got to come to grips with selling or come to grips with the fact that you’ll someday be old, penniless, and worn out. Which is it going to be?\n\nIn reality, selling is just effective communication. So I’m going to make a prediction. If you’re “not a salesperson” you probably get walked over a lot, you are “introverted” and nobody really considers you exist, or you’re always arguing with people. How do I know that? Because those that can’t sell also can’t communicate and because of that they are pushed over all the time, or they are just ignored, or they always frustrated with “other people” and often get into arguments and disagreements. It’s a low level of communication and an even lower level of responsibility. Learn how to sell and you’ll not only build wealth, but your life will improve.\n\nRight now, I am actually selling you on selling. In fact, you already know its a good idea and you know you should be doing it and that’s why you’re so touchy about it. W = MKM. Wealth equals the ability to Make money, Keep money, and Multiply money. Make money comes first. This means to sell. If you don’t make it you can’t keep it and then you’ll have nothing to multiply which means, no wealth. It really is that cut and dry. Not only that, but you must be able to repeat the cycle. You can’t just make money, keep it and multiply it once. You’ve got to recycle the money you multiplied into your ability to go make more. You don’t only have to accept selling, you have to get obsessed with it. It is like breathing. Economically, if you don’t breathe you won’t live. If you don’t sell, you won’t have wealth. It doesn’t matter if you don’t “like” it. Try not liking breathing and see what happens.\n\nAt this point, if you’re still reading, it is because you’ve realized or you agree that you must know how to sell. We can’t talk about investing, or taxes, or saving if there is nothing to invest, nothing to pay taxes on, and nothing to save. If you understand that, I want to give you a free 3 day trial to Wealth DynamX University. Why? Because we include 3 days of access to Cardone University to this trial for you to learn how to sell. You will receive 3 days of access, a free coaching call, and a free Wealth Potential Analysis so that you know exactly what areas you can improve upon. Click here to get started.\n\nOwn Your Potential,\n\nJerry Fetta\n\nGrant Cardone Certified Coach\n\nJerry Fetta helps his clients build wealth so that they can eradicate poverty in their own lives and own their potential.\n\nHe believes scarcity and abundance cannot co-exist and that the way to end poverty is to help you build wealth.\n\nYou were not created to spend 40+ hours per week serving the 40-year-to-life sentence trading your precious time for money just to live in mediocrity.\n\nHowever, the truth is that time and money must be exchanged. It just doesn’t need to be you making the exchange.\n\nJerry helps his clients create wealth that exchanges time and money on their behalf. The only way to do this is to make more money, keep it, and then multiply it.\n\nHe has helped clients double their income, save $100,000 tax-free, and secure 8-12% fixed annual returns on their assets.\n\nTo get started, go to www.WealthDynamX.com/contact\n\n Wealth DynamX Home\nWealth DynamX TV\n\nhttps://www.facebook.com/WealthDynamX\n\nhttps://www.linkedin.com/in/jerry-fetta-601b00a0/\n\nhttps://www.instagram.com/jerryfetta/\n\nhttps://plus.google.com/u/0/105293536858963061578\n\nhttps://medium.com/@jerryfetta\n\nhttps://steemit.com/@jerryfetta\n\nhttps://www.youtube.com/channel/UCsGCnD2cXDbNj53GH4y50zg?view_as=subscriber",
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      "title": "Why Life Insurance Should Be Part Of Your Wealth Strategy",
      "body": "I bet you’re cautiously reading this waiting for the guilt trip telling you to buy life insurance for your poor loved ones who would suffer if you died. Well, I hate to disappoint you, but that’s not what I am writing about. I believe that life insurance is one of the best places to store money as you save up for investments. I also believe it is a great source of leverage, and over the long term, one of the best strategies to avoid estate taxes when you pass your wealth on to your heirs. I don’t recommend life insurance because of “what if you die???”. I recommend life insurance so that you can grow your money to invest in real estate deals, while bypassing Wall Street, Central Banks, and the IRS so that you can keep more of your wealth.\n\nThis is pretty cut and dry, but to build wealth you need to invest. To invest you need to save. I believe if you save in life insurance you are better off than if you saved in a bank. That’s the bottom line. Will you have a death benefit? Yes. Is that why you’re buying life insurance? No. You’re buying it because of how powerful of a savings vehicle it really is.\n\nWhen you place $100,000 in a bank, you get nothing but access to what you put in there. You might make $100 in interest if you leave it in for the whole year, but if you’re an investor you’re going to put it into a deal, which means they won’t pay you the interest because the money isn’t there. This means that the bank literally serves no purpose. It is simply somewhere to temporarily hold the money and it offers no other benefit.\n\nPlace the same $100,000 into life insurance and you’ll have access to up to 93% of it immediately. The other 7% bought death benefit shares that produce a 6-8% dividend for you. So you can use the money just like you would in the bank, but the insurance will pay you 6-8% instead of .10%? That already sounds like a better deal right? But again, if you’re an investor you’re going to put the money into a deal, not just leave it in the account, but unlike the bank, your life insurance will still pay you 6-8%  even though you’ve taken the money out to go do a deal. They will keep paying you interest on money that technically isn’t there. Imagine going to a bank, depositing money, and then withdrawing it. And then looking at your statement and realizing they kept paying you interest on the funds even though you withdrew them. That’s what the life insurance is doing for you.\n\nYou see, you need somewhere to keep money and this is why I believe life insurance is better.\n\nWhen you withdraw your money, you will have to pay interest. That’s true. You see, instead of withdrawing the funds, which could be a taxable event, you will instead borrow against the funds which is a non-taxable event. Not only that, because you’re a policy holder you’re also looked at as a shareholder in the insurance company. This means that the interest you’re paying goes back to a company you own and can make them more profitable which can increase your dividends. Would you rather pay taxes on a withdrawal to the IRS or pay interest on a loan to a company you profit from?\n\nThe last thing is the death benefit. As I stated, you have one but you’re not “buying life insurance”. You’re buying a savings vehicle that happens to have a death benefit. The death benefit will be paid for by the policy itself, costing you nothing out of pocket, it will grow, and it is tax free. Someone in your life will get that money at some point. So for now, forget you have a death benefit and go use the account to get wealthy and when you die, someone will have a nice tax-free inheritance from your life insurance.\n\nThe question isn’t “why life insurance?” The real question is, “why do you save your money in the bank?”\n\nI help my clients make more income so that they can save 40% of their income into life insurance policies like this. We then use the life insurance to invest in real estate and produce passive income, produced by real assets. It’s a very simple plan and it’s a lot better of a plan than working hard for your money, and then giving it to the IRS, Wall Street, and Central Banks so that they can keep getting richer at your expense. If this makes sense to you, click here and I can provide you with more information on how to follow my plan instead.\n\nOwn Your Potential,\n\nJerry Fetta\n\nGrant Cardone Certified Coach\n\nJerry Fetta helps his clients build wealth so that they can eradicate poverty in their own lives and own their potential.\n\nHe believes scarcity and abundance cannot co-exist and that the way to end poverty is to help you build wealth.\n\nYou were not created to spend 40+ hours per week serving the 40-year-to-life sentence trading your precious time for money just to live in mediocrity.\n\nHowever, the truth is that time and money must be exchanged. It just doesn’t need to be you making the exchange.\n\nJerry helps his clients create wealth that exchanges time and money on their behalf. The only way to do this is to make more money, keep it, and then multiply it.\n\nHe has helped clients double their income, save $100,000 tax-free, and secure 8-12% fixed annual returns on their assets.\n\nTo get started, go to www.WealthDynamX.com/contact\n\n Wealth DynamX Home\nWealth DynamX TV\n\nhttps://www.facebook.com/WealthDynamX\n\nhttps://www.linkedin.com/in/jerry-fetta-601b00a0/\n\nhttps://www.instagram.com/jerryfetta/\n\nhttps://plus.google.com/u/0/105293536858963061578\n\nhttps://medium.com/@jerryfetta\n\nhttps://steemit.com/@jerryfetta\n\nhttps://www.youtube.com/channel/UCsGCnD2cXDbNj53GH4y50zg?view_as=subscribe![Money-Briefcase.jpg](https://cdn.steemitimages.com/DQmR9bdAHG3QDr4Py6BfLzMJdgivXMK6FcSrbTDARoKqzgr/Money-Briefcase.jpg)r",
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      "body": "Hmmm... I would rather that my spouse not worry about wealth... and just be happy. \n\nPosted using [Partiko iOS](https://steemit.com/@partiko-ios)",
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      "body": "So many people that I coach use this as the reason to wait on pursuing wealth. I teach my clients to become millionaires so that they can then become deca-millionaires and gain the ability to treat money like oxygen. This financially allows them to have the opportunity for complete freedom in life with no consideration about money whatsoever. It does sound great doesn’t it? However, the road there is not easy and it does take lots of sacrifice and work. The amount of effort required to achieve this is daunting and most couples aren’t on the same page about this. I want to share with you a personal story about my wife Lexy and I so that you can see how to get full support from your spouse on creating wealth.\n\nLast week, Lexy and I strengthened our purpose and got on the same page again. It came from a fight and a difficult situation. We were in the living room on the couch and Lexy was upset because she felt like all we ever do is work and there would be no end. I was in fact-finding mode and asking questions to get more data about what her real upset was. By the end of the conversation I realized she forgot about our end goals. She thought all of the waking up early, working 16 hour days, sacrificing the weekends and outings, and the obstacles we face was just our way of life forever. She believed I just enjoyed it and that were going to do that forever. You can understand why this would be upsetting. I shared my goals for us with her again and she had an enormous sense of relief. I had not communicated my goals to her in a while because I’m in work mode and she had lost clarity. It took us having a conversation about the future we are creating together and then agreeing on the amount of work it would take to get there. This is common among couples, but most do not break through the uncomfortable hard questions and set goals to keep growing and pushing.\n\nIt all starts with dissatisfaction. Nobody wants to address this, but you won’t personally decide wealth is important until you become deeply dissatisfied with where you are. It doesn’t mean you don’t like your husband or wife or your kids. It means you want more. You may have this realization and your spouse doesn’t, which can leave you feeling isolated and like it isn’t okay to talk about. It will start this way. Let me tell you, the right move is not to lead with the fact that you’re dissatisfied. You need to come up with a solution first.\n\nThe dissatisfaction leads to dreaming. Start thinking about what you’d like your life to look like. What are the dream you guys quit on or forgot about? Somebody will achieve those dreams right? It’s not impossible and if someone can do it, you can do it. This is where the conversation will start. Get your spouse talking with you about your dreams together. What is it you want to do, where, with whom? Don’t worry about how you’re going to do it. Just get in agreement on what it is. This is the mistake most entrepreneurs make. They talk about the business which is the “how” and they talk about the “what” and completely disregard the purpose.\n\nThe natural sequence should be: This is where we want to go in life > This is why > This is why > We can’t get there doing what we’re doing > We need to do something different > This is what we would need to do differently to really go where we want > This is why > This is why > This is what we need to change, learn, add, or be willing to give up to start > This is why > This is why > Are we committed > START! \n\nBy following this cycle, you will have your spouse on the same page. He or she will object at various times in the process, but if you know how to sell, always agree. You can keep agreement at the forefront and make progress on this.\n\nOne of the services my company offers is called a Wealth Creation Formula and it provides a 1 on 1 setting with a coach facilitating this conversation. It is an excellent way to have this conversation in a structured format. The outcome? Alignment, clarity, a better relationship, and ultimately, wealth! Click here if you would like to get more information on how to go through this process with your spouse.\n\nOwn Your Potential,\n\nJerry Fetta\n\nGrant Cardone Certified Coach\n\nJerry Fetta helps his clients build wealth so that they can eradicate poverty in their own lives and own their potential.\n\nHe believes scarcity and abundance cannot co-exist and that the way to end poverty is to help you build wealth.\n\nYou were not created to spend 40+ hours per week serving the 40-year-to-life sentence trading your precious time for money just to live in mediocrity.\n\nHowever, the truth is that time and money must be exchanged. It just doesn’t need to be you making the exchange.\n\nJerry helps his clients create wealth that exchanges time and money on their behalf. 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      "body": "So many people that I coach use this as the reason to wait on pursuing wealth. I teach my clients to become millionaires so that they can then become deca-millionaires and gain the ability to treat money like oxygen. This financially allows them to have the opportunity for complete freedom in life with no consideration about money whatsoever. It does sound great doesn’t it? However, the road there is not easy and it does take lots of sacrifice and work. The amount of effort required to achieve this is daunting and most couples aren’t on the same page about this. I want to share with you a personal story about my wife Lexy and I so that you can see how to get full support from your spouse on creating wealth.\n\nLast week, Lexy and I strengthened our purpose and got on the same page again. It came from a fight and a difficult situation. We were in the living room on the couch and Lexy was upset because she felt like all we ever do is work and there would be no end. I was in fact-finding mode and asking questions to get more data about what her real upset was. By the end of the conversation I realized she forgot about our end goals. She thought all of the waking up early, working 16 hour days, sacrificing the weekends and outings, and the obstacles we face was just our way of life forever. She believed I just enjoyed it and that were going to do that forever. You can understand why this would be upsetting. I shared my goals for us with her again and she had an enormous sense of relief. I had not communicated my goals to her in a while because I’m in work mode and she had lost clarity. It took us having a conversation about the future we are creating together and then agreeing on the amount of work it would take to get there. This is common among couples, but most do not break through the uncomfortable hard questions and set goals to keep growing and pushing.\n\nIt all starts with dissatisfaction. Nobody wants to address this, but you won’t personally decide wealth is important until you become deeply dissatisfied with where you are. It doesn’t mean you don’t like your husband or wife or your kids. It means you want more. You may have this realization and your spouse doesn’t, which can leave you feeling isolated and like it isn’t okay to talk about. It will start this way. Let me tell you, the right move is not to lead with the fact that you’re dissatisfied. You need to come up with a solution first.\n\nThe dissatisfaction leads to dreaming. Start thinking about what you’d like your life to look like. What are the dream you guys quit on or forgot about? Somebody will achieve those dreams right? It’s not impossible and if someone can do it, you can do it. This is where the conversation will start. Get your spouse talking with you about your dreams together. What is it you want to do, where, with whom? Don’t worry about how you’re going to do it. Just get in agreement on what it is. This is the mistake most entrepreneurs make. They talk about the business which is the “how” and they talk about the “what” and completely disregard the purpose.\n\nThe natural sequence should be: This is where we want to go in life > This is why > This is why > We can’t get there doing what we’re doing > We need to do something different > This is what we would need to do differently to really go where we want > This is why > This is why > This is what we need to change, learn, add, or be willing to give up to start > This is why > This is why > Are we committed > START! \n\nBy following this cycle, you will have your spouse on the same page. He or she will object at various times in the process, but if you know how to sell, always agree. You can keep agreement at the forefront and make progress on this.\n\nOne of the services my company offers is called a Wealth Creation Formula and it provides a 1 on 1 setting with a coach facilitating this conversation. It is an excellent way to have this conversation in a structured format. The outcome? Alignment, clarity, a better relationship, and ultimately, wealth! Click here if you would like to get more information on how to go through this process with your spouse.\n\nOwn Your Potential,\n\nJerry Fetta\n\nGrant Cardone Certified Coach\n\nJerry Fetta helps his clients build wealth so that they can eradicate poverty in their own lives and own their potential.\n\nHe believes scarcity and abundance cannot co-exist and that the way to end poverty is to help you build wealth.\n\nYou were not created to spend 40+ hours per week serving the 40-year-to-life sentence trading your precious time for money just to live in mediocrity.\n\nHowever, the truth is that time and money must be exchanged. It just doesn’t need to be you making the exchange.\n\nJerry helps his clients create wealth that exchanges time and money on their behalf. 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      "body": "Many times I’m told by people that they want to build wealth and they want a better life and they know they need to do something about it, but they want to wait. Hold on….you want it, you know it’s better, and you know you must do it, but you want to wait? How does that make sense? Oddly enough, in this person’s mind, they are making sense of these kind of statements. We’ve all done it before. Today I want to tell you how to handle this mindset so that you don’t make the mistake of waiting to build wealth.\n\nLet’s establish this first. Wealth is abundance in all areas of life. It means that you can live your life treating money like oxygen. It means complete freedom. That should be the #1 thing you want. So let me ask you, what else would even make it worth it to wait?\n\nHere’s the thing. When you say this you’re being negative. Not like you’re being mean or unfriendly. You’re being negative. The 6th definition for negative is: lacking in constructiveness, helpfulness, optimism, cooperativeness, or the like. How do I know? Because you’re looking at your problems instead of your solutions. Saying you want to wait means that you are not being constructive towards your goal towards wealth. It means you’re not helping yourself to build wealth. It means you aren’t being optimistic about it. It means you aren’t cooperating with what is necessary for you to build wealth. A negative mind won’t make a positive decision. If you really want to make it happen you must first quit being negative.\n\nNext you need to identify what it is that’s causing you to say you would rather wait to achieve your ultimate goal than have it today. Is it that you really don’t think it’s possible? (See above point about being negative). Is it that you don’t know how? Not knowing how and not trying to know how are two different things. (Again see point about being negative). Is it money? Are you really going to let money stop you from having money? That doesn’t even make sense. But here’s the thing. If you don’t identify the thing that’s holding you back, it will keep holding you back.\n\nLet’s say you do wait. What’s the best case scenario? You have a little less debt? You’re kids are older and you have different problems, but problems all the same? Your house is a little more paid off but you still have to make the payment? You’re older? You have less motivation? What is this magic payoff you think is going to happen by you waiting to do something that’s good for you?\n\nHere’s what it looks like when someone waits. They really are just trying to get rid of having to make a decision because they’re afraid of making a mistake. They haven’t realized that by making the decision to wait, they have indeed made both a decision and a mistake. They go into denial as to not confront it and occupy their mind with distractions. So you get busy with made up games you’ve come up with and made over-important to justify doing them so you can really make sense of the procrastination and mistake you just subjected yourself to. You know you should have done it and it was wrong not to so you get overly defensive and snap at anyone who brings it up to you. You continue to progress down this slippery slope to the point that you now make other people wrong when you see them doing the very thing you said you needed to wait on. How else could you make sense of them doing it, they didn’t wait. Now you are old, calloused, and broke. Do you really want to go down that route? I don’t want that for you and you don’t want that for yourself.\n\nThat’s why you cannot wait to begin building wealth. Do the uncomfortable thing now. Stop making sense of adding time to the equation. Get the right information, get a plan, a coach, some training, a network, and the right tools. I want to provide those to you all for free for the next 3 days. Here is a free trial of Wealth DynamX University. Click here to sign up and begin doing whatever it takes to build wealth. Don’t wait.\n\nOwn Your Potential,\n\nJerry Fetta\n\nGrant Cardone Certified Coach\n\nJerry Fetta helps his clients build wealth so that they can eradicate poverty in their own lives and own their potential.\n\nHe believes scarcity and abundance cannot co-exist and that the way to end poverty is to help you build wealth.\n\nYou were not created to spend 40+ hours per week serving the 40-year-to-life sentence trading your precious time for money just to live in mediocrity.\n\nHowever, the truth is that time and money must be exchanged. It just doesn’t need to be you making the exchange.\n\nJerry helps his clients create wealth that exchanges time and money on their behalf. The only way to do this is to make more money, keep it, and then multiply it.\n\nHe has helped clients double their income, save $100,000 tax-free, and secure 8-12% fixed annual returns on their assets.\n\nTo get started, go to www.WealthDynamX.com/contact\n\n Wealth DynamX Home\nWealth DynamX TV\n\nhttps://www.facebook.com/WealthDynamX\n\nhttps://www.linkedin.com/in/jerry-fetta-601b00a0/\n\nhttps://www.instagram.com/jerryfetta/\n\nhttps://plus.google.com/u/0/105293536858963061578\n\nhttps://medium.com/@jerryfetta\n\nhttps://steemit.com/@jerryfetta\n\nhttps://www.youtube.com/channel/UCsGCnD2cXDbNj53GH4y50zg?view_as=subscriber![Sports-Car.jpg](https://cdn.steemitimages.com/DQmUYRchRf3Hetjon7fs4xsxBBvG4kEWSwi9zWdynbECPmQ/Sports-Car.jpg)",
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      "title": "Do Not Wait To Build Wealth",
      "body": "Many times I’m told by people that they want to build wealth and they want a better life and they know they need to do something about it, but they want to wait. Hold on….you want it, you know it’s better, and you know you must do it, but you want to wait? How does that make sense? Oddly enough, in this person’s mind, they are making sense of these kind of statements. We’ve all done it before. Today I want to tell you how to handle this mindset so that you don’t make the mistake of waiting to build wealth.\n\nLet’s establish this first. Wealth is abundance in all areas of life. It means that you can live your life treating money like oxygen. It means complete freedom. That should be the #1 thing you want. So let me ask you, what else would even make it worth it to wait?\n\nHere’s the thing. When you say this you’re being negative. Not like you’re being mean or unfriendly. You’re being negative. The 6th definition for negative is: lacking in constructiveness, helpfulness, optimism, cooperativeness, or the like. How do I know? Because you’re looking at your problems instead of your solutions. Saying you want to wait means that you are not being constructive towards your goal towards wealth. It means you’re not helping yourself to build wealth. It means you aren’t being optimistic about it. It means you aren’t cooperating with what is necessary for you to build wealth. A negative mind won’t make a positive decision. If you really want to make it happen you must first quit being negative.\n\nNext you need to identify what it is that’s causing you to say you would rather wait to achieve your ultimate goal than have it today. Is it that you really don’t think it’s possible? (See above point about being negative). Is it that you don’t know how? Not knowing how and not trying to know how are two different things. (Again see point about being negative). Is it money? Are you really going to let money stop you from having money? That doesn’t even make sense. But here’s the thing. If you don’t identify the thing that’s holding you back, it will keep holding you back.\n\nLet’s say you do wait. What’s the best case scenario? You have a little less debt? You’re kids are older and you have different problems, but problems all the same? Your house is a little more paid off but you still have to make the payment? You’re older? You have less motivation? What is this magic payoff you think is going to happen by you waiting to do something that’s good for you?\n\nHere’s what it looks like when someone waits. They really are just trying to get rid of having to make a decision because they’re afraid of making a mistake. They haven’t realized that by making the decision to wait, they have indeed made both a decision and a mistake. They go into denial as to not confront it and occupy their mind with distractions. So you get busy with made up games you’ve come up with and made over-important to justify doing them so you can really make sense of the procrastination and mistake you just subjected yourself to. You know you should have done it and it was wrong not to so you get overly defensive and snap at anyone who brings it up to you. You continue to progress down this slippery slope to the point that you now make other people wrong when you see them doing the very thing you said you needed to wait on. How else could you make sense of them doing it, they didn’t wait. Now you are old, calloused, and broke. Do you really want to go down that route? I don’t want that for you and you don’t want that for yourself.\n\nThat’s why you cannot wait to begin building wealth. Do the uncomfortable thing now. Stop making sense of adding time to the equation. Get the right information, get a plan, a coach, some training, a network, and the right tools. I want to provide those to you all for free for the next 3 days. Here is a free trial of Wealth DynamX University. Click here to sign up and begin doing whatever it takes to build wealth. Don’t wait.\n\nOwn Your Potential,\n\nJerry Fetta\n\nGrant Cardone Certified Coach\n\nJerry Fetta helps his clients build wealth so that they can eradicate poverty in their own lives and own their potential.\n\nHe believes scarcity and abundance cannot co-exist and that the way to end poverty is to help you build wealth.\n\nYou were not created to spend 40+ hours per week serving the 40-year-to-life sentence trading your precious time for money just to live in mediocrity.\n\nHowever, the truth is that time and money must be exchanged. It just doesn’t need to be you making the exchange.\n\nJerry helps his clients create wealth that exchanges time and money on their behalf. The only way to do this is to make more money, keep it, and then multiply it.\n\nHe has helped clients double their income, save $100,000 tax-free, and secure 8-12% fixed annual returns on their assets.\n\nTo get started, go to www.WealthDynamX.com/contact\n\n Wealth DynamX Home\nWealth DynamX TV\n\nhttps://www.facebook.com/WealthDynamX\n\nhttps://www.linkedin.com/in/jerry-fetta-601b00a0/\n\nhttps://www.instagram.com/jerryfetta/\n\nhttps://plus.google.com/u/0/105293536858963061578\n\nhttps://medium.com/@jerryfetta\n\nhttps://steemit.com/@jerryfetta\n\nhttps://www.youtube.com/channel/UCsGCnD2cXDbNj53GH4y50zg?view_as=subscriber![Sports-Car.jpg](https://cdn.steemitimages.com/DQmUYRchRf3Hetjon7fs4xsxBBvG4kEWSwi9zWdynbECPmQ/Sports-Car.jpg)",
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      "title": "How To Invest A Lump Sum Into Real Estate With Life Insurance",
      "body": "Last week I was able to help a client of mine setup a life insurance policy that he will store a lump sum of $150,000 into and then use for real estate. I thought this was an awesome way to illustrate not only how we should store money for future use, but also how to use life insurance as that vehicle. You see, too many people save too little money, too late and expect to get rich investing regardless. Additionally, many people have no strategy with their investments. It is done from the hip and based on shiny object syndrome. Today I will show you how transfer a lump sum into life insurance and use it to cash flow with real estate investments so that you can take advantage of the leverage gained through personal banking with life insurance.\n\nStep #1 involves you earning lots of money, fast. The reality is, any real estate deal worth looking at will require at least $100,000. Preferably more than that, but you might find a unicorn deal that makes sense at that number. If you’re the average American saving 5% or less of their income, it will take you decades to save $100,000. To avoid waiting this long, you’ll need to substantially increase your income. This step is unavoidable.\n\nNext, you will need to save 40% or more of your income. This number comes from the top 1% of wealth for more than the last century. Anyone who says “saving is for losers” either does not understand what saving money actually means, or they do not have any money themselves and they are making sense of it. You save money to store it for investing. You will need certain dollar thresholds to enter investments and until you reach those thresholds you’ll have to save money to get there.\n\nThis plan is seemingly boring and uneventful, which is true. The wealthy are great at falling in love with “boring” until it becomes extremely profitable. Nobody said you have to be looking at deals all the time and doing new and exciting things at every corner. The best plans are consistent and that’s how they win. Keep stacking money and keep earning money and keep stacking money and keep earning money. That’s it.\n\nLet’s say you’re like my client who now has diligently saved $150,000. You can do 2 things.\n\n#1: Transfer the money from the bank into a real estate deal and begin earning passive income.\n\n#2: Transfer the money to a life insurance policy and then transfer from the life insurance policy to the real estate deal.\n\nWith option number 1 you begin with greater liquidity and that is really the only advantage. You weren’t earning much interest on the money anyways and what little interest you were earning you will lose out on the earning potential of as soon as you transfer the money into real estate. Rightfully so right? Banks don’t pay interest on money that isn’t there in the account. But at least you’re earning cash flow.\n\nWith option number 2 you lose about 7% of your liquidity up front, but you gain it back almost immediately. That’s the downside. The upside is that you will earn a 6-8% dividend rather than the measly .10% in the bank. When you transfer the funds to the real estate deal, the life insurance company will keep paying you the dividends like the transfer never happened. So you’ll be earning a rate of return inside your life insurance while simultaneously earning a rate of return with the real estate. You’ll also avoid taxes on your dividends via the policy loan option (where you borrow against your policy and pay your policy interest as a loan rather than a withdrawal so that the IRS cannot tax you).\n\nThe result? You did the same real estate deal either way, but on one hand you’re earning cash flow only and on the other hand you’re earning cash flow and tax free dividends simultaneously. The question isn’t whether or not you should use life insurance, it’s what will your next deal be because you’ll have more money sooner with this plan.\n\nThis is a program I offer to my clients called Wealth Creation Banking. It includes 3 hours of 1 on 1 coaching, a custom Wealth Creation Formula, a 9 book reading list on monetary policy, taxes, and savings strategies, and a weekly coaching call with a Wealth Creation Coach at Wealth DynamX. If you’re interested in learning more about this strategy, click here!\n\nOwn Your Potential,\n\nJerry Fetta\n\nGrant Cardone Certified Coach\n\nJerry Fetta helps his clients build wealth so that they can eradicate poverty in their own lives and own their potential.\n\nHe believes scarcity and abundance cannot co-exist and that the way to end poverty is to help you build wealth.\n\nYou were not created to spend 40+ hours per week serving the 40-year-to-life sentence trading your precious time for money just to live in mediocrity.\n\nHowever, the truth is that time and money must be exchanged. It just doesn’t need to be you making the exchange.\n\nJerry helps his clients create wealth that exchanges time and money on their behalf. The only way to do this is to make more money, keep it, and then multiply it.\n\nHe has helped clients double their income, save $100,000 tax-free, and secure 8-12% fixed annual returns on their assets.\n\nTo get started, go to www.WealthDynamX.com/contact\n\n Wealth DynamX Home\nWealth DynamX TV\n\nhttps://www.facebook.com/WealthDynamX\n\nhttps://www.linkedin.com/in/jerry-fetta-601b00a0/\n\nhttps://www.instagram.com/jerryfetta/\n\nhttps://plus.google.com/u/0/105293536858963061578\n\nhttps://medium.com/@jerryfetta\n\nhttps://steemit.com/@jerryfetta\n\nhttps://www.youtube.com/channel/UCsGCnD2cXDbNj53GH4y50zg?view_as=subscriber![Safety-Deposit-Box.jpg](https://cdn.steemitimages.com/DQmeJD2myQ6P8Qc7a4m8UPkGYkBr1P4s63HCXsDFUtYeKd2/Safety-Deposit-Box.jpg)",
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      "body": "Last week I was able to help a client of mine setup a life insurance policy that he will store a lump sum of $150,000 into and then use for real estate. I thought this was an awesome way to illustrate not only how we should store money for future use, but also how to use life insurance as that vehicle. You see, too many people save too little money, too late and expect to get rich investing regardless. Additionally, many people have no strategy with their investments. It is done from the hip and based on shiny object syndrome. Today I will show you how transfer a lump sum into life insurance and use it to cash flow with real estate investments so that you can take advantage of the leverage gained through personal banking with life insurance.\n\nStep #1 involves you earning lots of money, fast. The reality is, any real estate deal worth looking at will require at least $100,000. Preferably more than that, but you might find a unicorn deal that makes sense at that number. If you’re the average American saving 5% or less of their income, it will take you decades to save $100,000. To avoid waiting this long, you’ll need to substantially increase your income. This step is unavoidable.\n\nNext, you will need to save 40% or more of your income. This number comes from the top 1% of wealth for more than the last century. Anyone who says “saving is for losers” either does not understand what saving money actually means, or they do not have any money themselves and they are making sense of it. You save money to store it for investing. You will need certain dollar thresholds to enter investments and until you reach those thresholds you’ll have to save money to get there.\n\nThis plan is seemingly boring and uneventful, which is true. The wealthy are great at falling in love with “boring” until it becomes extremely profitable. Nobody said you have to be looking at deals all the time and doing new and exciting things at every corner. The best plans are consistent and that’s how they win. Keep stacking money and keep earning money and keep stacking money and keep earning money. That’s it.\n\nLet’s say you’re like my client who now has diligently saved $150,000. You can do 2 things.\n\n#1: Transfer the money from the bank into a real estate deal and begin earning passive income.\n\n#2: Transfer the money to a life insurance policy and then transfer from the life insurance policy to the real estate deal.\n\nWith option number 1 you begin with greater liquidity and that is really the only advantage. You weren’t earning much interest on the money anyways and what little interest you were earning you will lose out on the earning potential of as soon as you transfer the money into real estate. Rightfully so right? Banks don’t pay interest on money that isn’t there in the account. But at least you’re earning cash flow.\n\nWith option number 2 you lose about 7% of your liquidity up front, but you gain it back almost immediately. That’s the downside. The upside is that you will earn a 6-8% dividend rather than the measly .10% in the bank. When you transfer the funds to the real estate deal, the life insurance company will keep paying you the dividends like the transfer never happened. So you’ll be earning a rate of return inside your life insurance while simultaneously earning a rate of return with the real estate. You’ll also avoid taxes on your dividends via the policy loan option (where you borrow against your policy and pay your policy interest as a loan rather than a withdrawal so that the IRS cannot tax you).\n\nThe result? You did the same real estate deal either way, but on one hand you’re earning cash flow only and on the other hand you’re earning cash flow and tax free dividends simultaneously. The question isn’t whether or not you should use life insurance, it’s what will your next deal be because you’ll have more money sooner with this plan.\n\nThis is a program I offer to my clients called Wealth Creation Banking. It includes 3 hours of 1 on 1 coaching, a custom Wealth Creation Formula, a 9 book reading list on monetary policy, taxes, and savings strategies, and a weekly coaching call with a Wealth Creation Coach at Wealth DynamX. If you’re interested in learning more about this strategy, click here!\n\nOwn Your Potential,\n\nJerry Fetta\n\nGrant Cardone Certified Coach\n\nJerry Fetta helps his clients build wealth so that they can eradicate poverty in their own lives and own their potential.\n\nHe believes scarcity and abundance cannot co-exist and that the way to end poverty is to help you build wealth.\n\nYou were not created to spend 40+ hours per week serving the 40-year-to-life sentence trading your precious time for money just to live in mediocrity.\n\nHowever, the truth is that time and money must be exchanged. It just doesn’t need to be you making the exchange.\n\nJerry helps his clients create wealth that exchanges time and money on their behalf. 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      "body": "Today I am going to talk about how to retain your employees. That’s what any company wants right? Find good people, and have them stay. Companies go to great lengths to keep their people. From bonus plans, benefits plans, employee perks, and vacation time. Let’s face it, if you are a business owner you run and own your business because you love what you do to some degree, and you want to be wealthy. You looked at the average life that people around you were living and decided you want more control, more income, and more freedom. Now, you need to keep your people to expand your company so you can expand your wealth. I’m going to share how to retain your employees so that you can increase your wealth faster.\n\nThe first thing is to clearly define your brand and culture. The worst mistake you could make is to adapt the form of your company to someone who works for the company. Be you and fly your flag. Every business owner is unique and that uniqueness should show through the values and culture displayed by your company. Just like a customer, if you change your product and pricing to accommodate them every time you won’t have a business for very long. This will polarize and you will attract the right people and detract the wrong people. Any company that is afraid to really be themselves for fear of losing staff or scaring them away has a pipeline issue. It means you don’t have enough staff in the company and enough potential staff in the pipeline.\n\nCreate turnover. The way you keep people is actually be creating turnover. By being fully yourself in addition to having a fast paced, production based environment will cause people to quit. A percentage of individuals are looking for a comfortable job where they can fit in and enjoy a moderate to relaxed paced environment and just be happy. An even smaller percentage of people want to win and achieve greatness. If you were running an NFL team, you’d want people to come in knowing that the only goal is to win a championship. Because of that you train harder, run faster, and hold people accountable to higher standards. People will quit and they will quit fast. That’s good and it’s what you want. The good ones will stay and help you win.\n\nTrain your people. Not just on product sales, that is a given. Train them to be better at communicating, negotiating, closing, selling, and money. These are life skills. By training your people on life skills, you make them better at life. Their lives will improve because they’ve worked for you and it will make more employees stay because they remember how it was before they got these skills you’ve given them. I use Cardone University for this. I am a Grant Cardone Certified Coach and Licensee and I delivery this program and training to my own staff. In addition to that, my employees have mandatory study and learning time throughout the week that I pay them for. Smarter people stick around longer and perform the same jobs with less effort.\n\nHelp you people with money. Here is the reality, most employees earn their paycheck and then go home and make bad financial decisions. They are swimming in credit card debt, student loan debt, and not saving anything. You see, most employers think they are handling this by providing a 401k plan and access to some form of beginner’s financial education. Obviously this doesn’t work because your people are still struggling and some of them are leaving over it thinking that a higher paying job will help them. Even if they quit and get a better paying job, they will still have the same issues because they haven’t learned how to get their money right. I’m telling you, as their employer, do this for them. Hire a coach, put them on a plan, and then tie their financial plan directly back to the production they perform for you at the company. When companies do this, it is truly powerful!\n\nI do this for my own staff and I offer this as a service for businesses too. Here is what it looks like.\n\nProvide Cardone University for all staff so that they learn how to sell, market, close, negotiate and making more money. This will benefit both them and the company.\nPerform a financial assessment with each employee to gauge where they are at financially.\nHave a Wealth Creation Coach come in and speak with all of your employees. Enroll them in Wealth Creation Coaching that is free as part of your Cardone University membership.\nEach employee engages in 1 on 1 Wealth Creation Coaching where they will set goals, review their finances, and create a plan. This plan will be tied to their production quotas with the company and will motivate them to train more on Cardone University.\nManagers and owners have access to the stats for training and also to the financial plan created for the employee so that you can track with metrics, the progress of each person toward their goals.\nEmployees will push to achieve their goals, train more, and expand the company as a result!\nIf you would like a trial of how this works and to learn more about how Wealth DynamX can help you and your company click here.\n\nOwn Your Potential,\n\nJerry Fetta\n\nGrant Cardone Certified Coach\n\nJerry Fetta helps his clients build wealth so that they can eradicate poverty in their own lives and own their potential.\n\nHe believes scarcity and abundance cannot co-exist and that the way to end poverty is to help you build wealth.\n\nYou were not created to spend 40+ hours per week serving the 40-year-to-life sentence trading your precious time for money just to live in mediocrity.\n\nHowever, the truth is that time and money must be exchanged. It just doesn’t need to be you making the exchange.\n\nJerry helps his clients create wealth that exchanges time and money on their behalf. The only way to do this is to make more money, keep it, and then multiply it.\n\nHe has helped clients double their income, save $100,000 tax-free, and secure 8-12% fixed annual returns on their assets.\n\nTo get started, go to www.WealthDynamX.com/contact\n\n Wealth DynamX Home\nWealth DynamX TV\n\nhttps://www.facebook.com/WealthDynamX\n\nhttps://www.linkedin.com/in/jerry-fetta-601b00a0/\n\nhttps://www.instagram.com/jerryfetta/\n\nhttps://plus.google.com/u/0/105293536858963061578\n\nhttps://medium.com/@jerryfetta\n\nhttps://steemit.com/@jerryfetta\n\nhttps://www.youtube.com/channel/UCsGCnD2cXDbNj53GH4y50zg?view_as=subscriber![Company-Benefits.jpg](https://cdn.steemitimages.com/DQmNywE2xxfrkFGXXa4yvcXdZ7RhhoMrdRo8ujDELAgpR8c/Company-Benefits.jpg)",
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      "title": "Why You Should Make Time For Personal Development",
      "body": "Wealth means having abundance in all areas of life. It will require studying and personal development. That’s a fact. You may think you are doing just fine without any personal development and that you’re busy and don’t have time, but in reality, when I hear you say that it just tells me you’ve settled and you’re comfortable. It’s reported that the top CEO’s in the world read more than 60 books per year. I’m not asking you to read 60, but I am asking you to read 27 books this year so that you can become equipped to create real wealth.\n\nBeing wealthy means being mentally wealthy as well. Without personal development, by default, you cannot be wealthy because you will always be lagging in this area. Think about having massive sums of money, but no mental toughness, a poor attitude, and a shallow outlook on life and a lack of purpose. What does that sound like? It sounds like a ditzy Hollywood celebrity or a space cadet heir or a lottery winner. That’s not wealthy. Look at the results produced by those individuals. Yes some of them may have produced some amazing results, but most of those individuals are in the tabloids and getting negative publicity because they have money and no personal development.\n\nAlso, good luck even trying to create wealth without personal development. Really, it is almost a requirement. Unless you believe wealth only means money and your plan is to inherit it, win it, or marry it, you will not get far without making time for personal development. The amount of creativity, commitment, and discipline that is required to create wealth is rewarding, but very intense. You will need to become a better version of yourself to make it happen. Every challenge you have will require you to improve to break though and you can only do this by developing yourself.\n\nNow you may be in a position where you’ve already done well, and you’ve read most of what’s out there and it worked, but for some reason you stopped. This is common. You grew and pushed and achieved a major goal, and for whatever reason you stopped pushing. You are still don’t better than most people and life is good, but you’re not making progress like you used to. Part of this is due to the fact that you stopped growing. You stagnated. You got comfortable. It’s tempting and it happens to us all, but you can’t let it happen. If you expect to get to the next level, you’ll need to spend time on personal development. Not only that, but you’ll probably spend time re-reading a lot of the books you “already know” to find out what you missed last time.\n\nThere is no way around this. I know you’re busy or you have a stressful job or you have kids. The truth is though, somebody else who had the same challenge made it happen and succeeded still. There isn’t an excuse if you really want wealth. Commit and figure it out. I coach people on how to increase their income, save 40%, and invest for passive income, but I can’t help you increase your income if you aren’t skilled up on the subject. I can’t help you save if you don’t understand it. I won’t help you invest if you’re ignorant on investing. My job is to help you reach your destination when it comes to wealth and that means you’ll need to grow.\n\nIf you would like to get free access to the personal development platform I offer to my clients, click here. You’ll have access to a library of online personal development with Grant Cardone, a free 1 on 1 coaching call, and a wealth potential analysis to help you build an action plan.\n\nOwn Your Potential,\n\nJerry Fetta\n\nGrant Cardone Certified Coach\n\nJerry Fetta helps his clients build wealth so that they can eradicate poverty in their own lives and own their potential.\n\nHe believes scarcity and abundance cannot co-exist and that the way to end poverty is to help you build wealth.\n\nYou were not created to spend 40+ hours per week serving the 40-year-to-life sentence trading your precious time for money just to live in mediocrity.\n\nHowever, the truth is that time and money must be exchanged. It just doesn’t need to be you making the exchange.\n\nJerry helps his clients create wealth that exchanges time and money on their behalf. The only way to do this is to make more money, keep it, and then multiply it.\n\nHe has helped clients double their income, save $100,000 tax-free, and secure 8-12% fixed annual returns on their assets.\n\nTo get started, go to www.WealthDynamX.com/contact\n\n Wealth DynamX Home\nWealth DynamX TV\n\nhttps://www.facebook.com/WealthDynamX\n\nhttps://www.linkedin.com/in/jerry-fetta-601b00a0/\n\nhttps://www.instagram.com/jerryfetta/\n\nhttps://plus.google.com/u/0/105293536858963061578\n\nhttps://medium.com/@jerryfetta\n\nhttps://steemit.com/@jerryfetta\n\nhttps://www.youtube.com/channel/UCsGCnD2cXDbNj53GH4y50zg?view_as=subscriber![personal-development.jpg](https://cdn.steemitimages.com/DQmc5MM1YLF2x4qLGfYYphBooxihfRBmCZ2vkwyJmDwAaMM/personal-development.jpg)",
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      "title": "The Never Settle Code: When To Quit",
      "body": "We’ve all been faced with times when we had to choose whether or not to quit. Whether it was a job, a business, a habit, or a relationship. It could be a number of things. I remember growing up, believing that quitting was bad and that I did not want to be a quitter. To a degree, that still true. However, quitting the right things can be a sign of control. Control is the ability to start, change, and stop and if one cannot stop, control doesn’t exist. Today I want to talk to you about when to quit the right things so that you can clear the runway for you to create wealth.\n\nI’ve quit several businesses, habits, and relationships because I knew they weren’t going to help me achieve my goals. It didn’t always even mean they were bad, it just meant they weren’t helpful. I want to primarily talk about quitting things that can suffocate your wealth. You see, wealth is the ability to treat money like oxygen and therefore anything that hinders your ability to do that is suffocating your wealth.\n\nThe first question is what to quit? Well as mentioned, anything that suffocates your wealth. If it prevents you from living abundantly in all areas of life you must quit. It might be blatantly suffocating your wealth or it could be something that is less noticeable. It could be something that just isn’t propelling your ability to treat money like oxygen and therefore it is dead weight. These are the types of things to quit.\n\nWhen to quit? That’s a different question. If its suffocating you blatantly quit now and quit fast. Don’t drag it out. However, if it’s really not suffocating your wealth then I don’t believe you should quit immediately. For example, if you are working a job that you don’t really like and you’re considering quitting to go do something else, I believe you need to ask if you’ve fully applied yourself there. If you aren’t in the top group of performers at that job, the reason you don’t like that job is because you aren’t good at it and you aren’t trying. You should fix that, get as far as you can, and then go to the new venture. Why? Because all jobs requirement commitment and work and if those skills are holding you back at the last job they will hold you back at the new job as well.\n\nYou should also quit if the leadership isn’t right. If you are in the right vehicle, but with the wrong leadership this will also hold you back. I’ve quit things before because I wanted to grow, study, and implement things that I knew would help me. Leadership said no and they were against it. So I was faced with making the choice between quitting the company or quitting tools that I knew would help me. I quit the company and never looked back.\n\nSame goes for habits. I’ve had habits, routines, and behaviors that conflicted with others in my life. I had to choose which one I was going to quit based on which one had the highest impact towards my goals.\n\nNow, what should you quit for? Quit for the right opportunities. If it’s a job, you need to make sure it has margin, volume, it is ethical, and the leadership is right. Margin means that it has depth. When you do the job, do you get paid well? Volume refers to the scalability or repeatability of it. Obviously the ethicality of it is up to you as a person. If you don’t believe it’s ethical it will be hard for you to remain sold on it. For leadership, you need to find someone or BE someone who is willing to take risks that others are not. These leaders usually take criticism in the marketplace, but their production speaks louder than their critics.\n\nRight now, Wealth DynamX is launching a 3 day free trial to give you information that will help you decide which opportunities to quit and which opportunities to pursue. This will include free coaching, my e-book, and 3 days of access to Cardone University! Click here to get started!\n\nOwn Your Potential,\n\nJerry Fetta\n\nGrant Cardone Certified Coach\n\nJerry Fetta helps his clients build wealth so that they can eradicate poverty in their own lives and own their potential.\n\nHe believes scarcity and abundance cannot co-exist and that the way to end poverty is to help you build wealth.\n\nYou were not created to spend 40+ hours per week serving the 40-year-to-life sentence trading your precious time for money just to live in mediocrity.\n\nHowever, the truth is that time and money must be exchanged. It just doesn’t need to be you making the exchange.\n\nJerry helps his clients create wealth that exchanges time and money on their behalf. 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      "title": "How Simple It Is For YOU To Create Wealth",
      "body": "Wealth means abundance. In every area of life. The opposite of wealth is poverty. Poverty means scarcity in ANY area of life. Think about every single area your life. Now think of that area operating at its highest possible capacity. It almost doesn’t seem real does it? You’ve got bills, you’ve got family stuff happening, and there are lots of obstacles. I understand. But that’s not going to change whether you build wealth or whether you create poverty. The obstacles will be there either way. Today I will show you how simple it is to create wealth so that you can eradicate any form of poverty in your life and own your potential.\n\nFirst you will need to know where you’re at now. What is the current scene? What do things look like? What is the current condition of your life, your finances, and your relationships? If you don’t know where you’re at now it is hard for you to confront and handle anything. I say confront because you need to see your current life for what it is. Unemotionally. Without excuse. Without justification. Do not try to make sense of your life and why it is the way it is. Just write down what it is.\n\nThen set goals. What would you like it to look like? Again, don’t try to justify why it can’t happen. Just write down what you’d like plainly in each area of your life. This is based on what you believe is real. Even if you are skeptical you still have goals and desire improvement. Go through spiritual, physical, relational, work, creativity, wealth, and fun & adventure. Write them all down.\n\nNext, take each goal you wrote and 10X it. If it is numerical, then mathematically 10X it. If it is non-numerical then think about what it would look like if it were 10X better than what you came up with in quality rather than quantity. Again, don’t try to qualify here. Just write down 10X.\n\nLook at your first goal and then look at your 10X goal. If you’re still worried about how to achieve the 10X goal then I want you to 10X the 10X goal. You may need to repeat this 3-4 times until your first set of goals no longer looks intimidating.\n\nNow ask yourself, what do you need to learn to achieve your 10X goals? The answer isn’t “nothing” because if it were, that would mean you already know everything and that would mean you’ve already achieved the goal, which isn’t the case. So there is info you don’t know. Write down what you don’t know, which is what you’ll need to learn. Trust me, your brain will help out with this automatically!\n\nFinally, what would you need to get rid of? If you’re serious about your goals, you have a choice. You can choose to stay where you’re at. If you do that it’s your fault 100% and you had a choice to improve and chose against it. You can choose to achieve your goals and if you do, that’s also your fault and you had a choice and made the right choice. In each area of your life what do you need to get rid of? Confront it and be honest with yourself.\n\nThese simple steps are what must be done to begin building wealth. After that, and only after that, can you begin to look at investing and building assets. You see, if you build the financial wealth and don’t handle your the rest of your life you will be rich and unhappy.\n\nIf you would like a plan that takes you through every area of your life and helps you create that abundance, I can help. I will walk you through the process, provide you with a plan, a coach, training, a community, and all of the tools you will need. In fact, I will give you a 3 day free trial on top of all of that! Click here to start your trial.\n\nOwn Your Potential,\n\nJerry Fetta\n\nGrant Cardone Certified Coach\n\nJerry Fetta helps his clients build wealth so that they can eradicate poverty in their own lives and own their potential.\n\nHe believes scarcity and abundance cannot co-exist and that the way to end poverty is to help you build wealth.\n\nYou were not created to spend 40+ hours per week serving the 40-year-to-life sentence trading your precious time for money just to live in mediocrity.\n\nHowever, the truth is that time and money must be exchanged. It just doesn’t need to be you making the exchange.\n\nJerry helps his clients create wealth that exchanges time and money on their behalf. The only way to do this is to make more money, keep it, and then multiply it.\n\nHe has helped clients double their income, save $100,000 tax-free, and secure 8-12% fixed annual returns on their assets.\n\nTo get started, go to www.WealthDynamX.com/contact\n\n Wealth DynamX Home\n\nWealth DynamX TV\n\nhttps://www.facebook.com/WealthDynamX\n\nhttps://www.linkedin.com/in/jerry-fetta-601b00a0/\n\nhttps://www.instagram.com/jerryfetta/\n\nhttps://plus.google.com/u/0/105293536858963061578\n\nhttps://medium.com/@jerryfetta\n\nhttps://steemit.com/@jerryfetta\n\nhttps://www.youtube.com/channel/UCsGCnD2cXDbNj53GH4y50zg?view_as=subscriber![Untitled design.jpg](https://cdn.steemitimages.com/DQmXirxv914FkVyAKdiACQxhVcb2FctFk2gp3BVDWF3jxn7/Untitled%20design.jpg)",
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      "title": "How To Use Life Insurance To Invest",
      "body": "My favorite place to hold money for investing is life insurance. That’s a known fact. This all stems from my theory on how investing should work and the types of things people should invest in. I will breakdown just how to use life insurance for your investments so that you can see the benefit of setting up a Sacred Account with my company.\n\nFirst, let’s all agree that you should be investing. First in yourself and your ability to generate income. That is of chief importance and the only thing that will give you the capital you need to put money into investments. So there are 3 points here:\n\nYou need to earn income enough to save.\nYou need to save your extra income somewhere.\nYou need to invest it.\nWe all agree on the 1st point of needing to earn income. That’s irrefutable.\n\nNow I want to handle the 3rd point so that the 2nd point can be looked at in the correct perspective.\n\nInvesting. At its root it means “to clothe your capital”. Meaning, you will be putting your money into something, like clothing does for a person, the investment will clothe your money.\n\nOutside of that, I want put out the question of why a person would invest. There is one reason to invest: to earn passive income. Why? Because it will break the cycle of you trading time for money. Think about it, you’ll always have to trade your time to get money unless you find a way to not have to. So that means you invest in income producing assets that pay you monthly, and when you get enough of these they pay your expenses and you don’t have to work for money any longer. We don’t invest for speculation or appreciation. Why? Because those things are not guaranteed and they don’t replace your income.\n\nSo you’re going to make money, put it somewhere, and then take it from that somewhere to put it in investments that pay you monthly.\n\nIf you save in a bank, they pay you nothing and when you withdraw the money, it leaves the account and you don’t make anything off it from the account because it’s not there to make money, and even if it were the bank would only pay you .10% anyways.\n\nSo here’s the deal with the life insurance: you put the money in the life insurance just like the bank, but the life insurance pays a 6-8% dividend un-like the bank, is tax free, and also keeps paying you interest even after you withdrew your money. Let me say that again, even after you’ve taken your money out of the account for an investment deal, the life insurance will keep paying you interest like you never withdrew it.\n\nLet me break this down. When you take out your funds, you don’t take out your funds. Instead you take a loan from the insurance company, for the dollar amount you’d like, and you use your account as collateral. This is called collateralizing. You now have access to the funds, but your money is still in the account growing. So you go do a deal that pays you 8-12%, and meanwhile you’re also still earning money in the account simultaneously. You see, the bank doesn’t do this because when you withdraw the money it is gone.\n\nLet’s recap this. With life insurance it has better growth and tax advantages than the bank does, but they also keep paying you even when you’re using the money for deals.\n\nIf you would like to learn more about this plan, click here and I will provide you with more information.\n\nOwn Your Potential,\n\nJerry Fetta\n\nGrant Cardone Certified Coach\n\nJerry Fetta helps his clients build wealth so that they can eradicate poverty in their own lives and own their potential.\n\nHe believes scarcity and abundance cannot co-exist and that the way to end poverty is to help you build wealth.\n\nYou were not created to spend 40+ hours per week serving the 40-year-to-life sentence trading your precious time for money just to live in mediocrity.\n\nHowever, the truth is that time and money must be exchanged. It just doesn’t need to be you making the exchange.\n\nJerry helps his clients create wealth that exchanges time and money on their behalf. The only way to do this is to make more money, keep it, and then multiply it.\n\nHe has helped clients double their income, save $100,000 tax-free, and secure 8-12% fixed annual returns on their assets.\n\nTo get started, go to www.WealthDynamX.com/contact\n\n Wealth DynamX Home\nWealth DynamX TV\n\nhttps://www.facebook.com/WealthDynamX\n\nhttps://www.linkedin.com/in/jerry-fetta-601b00a0/\n\nhttps://www.instagram.com/jerryfetta/\n\nhttps://plus.google.com/u/0/105293536858963061578\n\nhttps://medium.com/@jerryfetta\n\nhttps://steemit.com/@jerryfetta\n\nhttps://www.youtube.com/channel/UCsGCnD2cXDbNj53GH4y50zg?view_as=subscriber![Life-Insurance-Investing.jpg](https://cdn.steemitimages.com/DQmU2DRsjexotnCzG3YVtksMpUBREbgfpC4FNvB2Dk7hz2V/Life-Insurance-Investing.jpg)",
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