What is the
🇺🇸 American Dream?
The American dream is the belief that anyone, regardless of where they were born or what class they were born into, can attain their version of success in a society in which upward mobility is possible for everyone. The American dream is believed to be achieved through sacrifice, risk-taking, and hard work, rather than by chance.
THE UGLY TRUTH ABOUT MONEY
THE FINANCIAL CRISIS
LACK INCOME
78% of Americans live paycheck to paycheck and of those that are working, 85% hate their job.
IN DEBT
80% of households in America have credit card debt. Totaling over $1.13B in credit card debt in 2023.
CAN'T SAVE
49% of Americans can’t cover a $400 emergency.
LITTLE RETIREMENT
51% of American adults have little to nothing saved for retirement.
NO COVERAGE
4 out of 10 households are uninsured. Approximately 158 million people are battling with a chronic disease.
LITERACY PROBLEM
Only 6 of the 50 states require a stand-alone course in personal finance to graduate from high school.
- https://www.forbes.com/sites/zackfriedman/2019/01/11/live-paycheck-to-paycheck-government-shutdown/#1150a024f10b
- https://www.debt.org/faqs/americans-in-debt/demographics/
- https://www.statista.com/chart/20323/americans-lack-savings/
- https://www.thebalance.com/retirement-crisis-stats-causes-effect-3306215
- https://www.insure.com/life-insurance/life-insurance-underinsured.html
- https://www.ngpf.org/blog/advocacy/how-many-states-require-students-to-take-a-personal-finance-course-before-graduating-from-high-school-is-it-6-or-is-it-21/
- https://www.creditcards.com/credit-card-news/credit-card-debt-statistics-1276/
ARE WE ASKING THE RIGHT QUESTIONS?
The quality of questions we ask ourselves will impact the quality of life we live.
STRENGTH IN SELECTION
REPRESENTING OVER 150+ CARRIERS, PROVIDERS & OPTIONS
FINANCIAL CONCEPTS
WHAT EVERYONE SHOULD KNOW ABOUT MONEY
This material is intended for education and training purposes only and is not intended to be, nor should it be construed as, an offer or solicitation for the purchase or sales of any specific securities, financial services or other non-specified item. Securities products are sold by prospectuses that contains more information about the product's fees, charges and limitations, and can only be offered by a qualified registered representative.
This is a hypothetical scenario for illustration purposes only and does not present an actual investment for any specific product or service. There is no assurance that these results can or will be achieved.
All figures are for illustrative purposes only and do not reflect an actual investment in any product, nor do they reflect the performance risks, expenses or charges associated with any actual investment. Past performance is not an indication of future performance. Actual results may vary substantially from the figures in the example. All rates of return are hypothetical and are not a guarantee of future performance of any asset, including insurance or other financial products. Higher rates of return have been associated with higher volatility.
THE RULE OF 72
The Rule of 72 is a mathematical calculation that approximates the number of years it takes for money to double, assuming the interest rate is compounded annually.
See examples below. Using an initial investment of $10,000.
The Rule of 72 is a mathematical concept that approximates the number of years it will take to double the principal at a constant rate of return compounded over time. All figures are for illustrative purposes only, and do not reflect the performance risks, fees, expenses or taxes associated with an actual investment. If these costs were reflected, the amounts shown would be lower and the time to double would be longer. The rate of return of investments fluctuates over time and, as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty. Investing entails risk, including possible loss of principal. Results are rounded for illustrative purposes. Actual results in each case are slightly higher or lower.
All figures are for illustrative purposes only and do not reflect an actual investment in any product, nor do they reflect the performance risks, expenses or charges associated with any actual investment. Past performance is not an indication of future performance. Actual results may vary substantially from the figures in the example. All rates of return are hypothetical and are not a guarantee of future performance of any asset, including insurance or other financial products. Higher rates of return have been associated with higher volatility.
WAYS TO SAVE MONEY
PARTICIPATE IN THE GAINS OF THE MARKET WITHOUT THE RISK OF THE LOSSES
This material is intended for education and training purposes only and is not intended to be, nor should it be construed as, an offer or solicitation for the purchase or sales of any specific securities, financial services or other non-specified item. Securities products are sold by prospectuses that contains more information about the product's fees, charges and limitations, and can only be offered by a qualified registered representative.
This is a hypothetical scenario for illustration purposes only and does not present an actual investment for any specific product or service. There is no assurance that these results can or will be achieved.
All figures are for illustrative purposes only and do not reflect an actual investment in any product, nor do they reflect the performance risks, expenses or charges associated with any actual investment. Past performance is not an indication of future performance. Actual results may vary substantially from the figures in the example. All rates of return are hypothetical and are not a guarantee of future performance of any asset, including insurance or other financial products. Higher rates of return have been associated with higher volatility.
REDUCE THE IMPACT OF TAXES
WHAT YOU SHOULD KNOW ABOUT TAXES, THAT MOST DON'T
This material is intended for education and training purposes only and is not intended to be, nor should it be construed as, an offer or solicitation for the purchase or sales of any specific securities, financial services or other non-specified item. Securities products are sold by prospectuses that contains more information about the product's fees, charges and limitations, and can only be offered by a qualified registered representative. This is a hypothetical scenario for illustration purposes only and does not present an actual investment for any specific product or service. There is no assurance that these results can or will be achieved.
All figures are for illustrative purposes only and do not reflect an actual investment in any product, nor do they reflect the performance risks, expenses or charges associated with any actual investment. Past performance is not an indication of future performance. Actual results may vary substantially from the figures in the example. All rates of return are hypothetical and are not a guarantee of future performance of any asset, including insurance or other financial products. Higher rates of return have been associated with higher volatility.
Neither World Financial Group Insurance Agency, LLC. nor its agents may provide tax or legal advice. Anyone to whom this material is promoted, marketed, or recommended should consult with and rely on their own independent tax and legal advisors regarding their particular situation and the concepts presented herein.
OUR APPROACH
2 SIMPLE SOLUTIONS
What path is more
important to you?
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