Million Dollar ChoicesTM
Small Changes Life Options
MILLION DOLLAR CHOICESTM
MILLION DOLLAR CHOICESTM
3 Packs A Day
46 years
Bank (4.2%) =
$100,000
Philip Morris Stock (12.9%) =
$2,000,000
Eighth
Wonder
Over
MILLION DOLLAR CHOICESTM
1 – R.E.S.I.R.V.
R = Recurring
E = Expenses
you
S = Save
AND
I = Invest
in the
Eighth
Wonder
R = Right
V = Vehicle
$2,000,000
2 – Invest the Saved Taxes
$150 - Wages
Federal Tax = 25%
State Tax = 8%
Total Tax = 33%
$150 * 33% = $50
Tax Match = 50%
$100 ‘Million Dollar Choice’TM
$50 - Taxes
$ 50 Tax Savings / MDC
$1,000,000
$100 – Spendable income
Tax Match
$100 – Cigarettes RESIRV Match
Eighth
Wonder
MILLION DOLLAR CHOICESTM
$3,000,000
$2,000,000
MILLION DOLLAR CHOICESTM
Pretax Equivalency Rate
How much do you have to Earn
to Spend $100
in a 33% tax rate?
Typical Answer = $133
($100 x .33) = $33 + $100 = $133

Actual Answer
= $150
$100
=
1 - .33
Formula =
$100
.67
After Tax Amount
1 – Tax Rate
= $150
MILLION DOLLAR CHOICESTM
3 – Company Match
For each dollar employee invests in 401(k)
The employer invests one dollar in 401(k)
Employer Match = 100%
The investment doubles in value!
Company Match
RESIRV
Match
Eighth
Wonder
Tax Match
$6,000,000
$3,000,000
MILLION DOLLAR CHOICESTM
4 – Salary Index Match
10%
Increase
Salary Index Match
1
$50,000
$5,000
2
$52,500
$5,250
$250
3
$55,125
$5,513
$513
4
$57,881
$5,788
$788
5
$60,775
$6,077
$1,077
Salary
Increase 5%
20 year old
75% greater
investment =
$4,500,000
Salary
Index
Match
Company Match
Tax Match
RESIRV
Match
Eighth
Wonder
Year Salary
$10,500,000
$6,000,000
MILLION DOLLAR CHOICESTM
Million Dollar ChoicesTM
A one-time choice that will increase your
Point of Choice assets by multi-millions.
RESIRV
ENDOW A GREAT CHOICE
def. – Endow
To furnish or give a gift
To provide a permanent fund or
source of income
A GIFT THAT GIVES FOREVER!
R = Recurring
E = Expenses
you choose to
S = Save
AND
I = Invest
in the
R = Right
V = Vehicle
MILLION DOLLAR CHOICESTM
Million Dollar ChoicesTM
20 Years Old
$1
One Time
Saves $1 At age 65
Million
Dollar
Choice
$
110
50%
Tax
Match
$
165
100%
Employer
Match
$
330
Salary
Index
Match
$
578
Annually
986
1,479
2,958
5,177
Quarterly
4,765
7,148
14,296
25,018
Monthly
14,948
22,376
44,752
78,316
Weekly
65,917
98,876
197,752
346,066
464,777
697,166
1,394,332
2,440,081
$1.49
$1.00
$.50
$.28
Daily
20 Year Old Investor
65 Year Old Retiree
Daily Investment to have $1,000,000 by age 65
MILLION DOLLAR CHOICESTM
Million Dollar ChoicesTM
Who wants to be a Millionaire?
Who Can Make a Million Dollar Decision Today?
Age
Monthly
Daily
10
$ 4.26
$ .14
20
$ 12.81
$ .41
30
$ 38.84
$ 1.26
40
$ 121.45
$ 3.94
50
$ 421.01
$ 13.72
60
$ 2,407.36
$ 78.69
Assumptions:
Federal/State Tax – 33%
Employer Match – 100%
Salary Index Match – 100%
Investment Yield – 11%
MILLION DOLLAR CHOICESTM
Million Dollar ChoicesTM
Level I Budgeting
. . . The past
Having an inefficient intuitive sense what is in your
checking/savings/credit card accounts
Level II Budgeting
Monthly balancing check book and other account balances
Level III Budgeting
Categorizing expenses on a routing basis
Level IV Budgeting
. . . The future
Projecting future categories and actual expenses
Level V Budgeting
Limiting future expenses based on projections
Level VI Budgeting
. . . Less than ½ of 1% of all Americans
Reducing future expenses based on planning and projections
MILLION DOLLAR CHOICESTM
Million Dollar Choice Examples
Term Life Insurance
Cell Phone
Eating Out
Magazine Subscriptions
Newspapers
Car Insurance
Internet Access
Cable TV
Electricity
www.term4sale.com
www.cellswapper.com
www.finance.cch.com
www.magazines.com
www.discountednewspapers.com
www.moneycentral.msn.com
www.internet4free.net
www.aupairinamerica.com
www.energystar.gov
MILLION DOLLAR CHOICESTM
Million Dollar Choice Examples
MILLION DOLLAR CHOICESTM
Million Dollar Choice Examples
Convenience Store – vs – Wholesale Warehouse
MILLION DOLLAR CHOICESTM
Million Dollar Choice Examples
MILLION DOLLAR CHOICESTM
Million Dollar Choice Examples
Everyone
Small Business Owners
College Students
MILLION DOLLAR CHOICESTM
Million Dollar Choice Examples
• TRANSPORTATION
Everyone
• RENT / APARTMENT
Students have spent many hours researching
• FOOD
Small
Business
Owners
savings opportunities for college students. We
• are
INSURANCE
confident that any person will be able to find
College Students
• aDEBT MANAGEMENT
Million Dollar Choice they could easily choose
• toDATING
make. Click on one of the 12 categories of Million
• ENTERTAINMENT
Dollar Choices shown above, and make your• firstTEXTBOOKS
Million Dollar Choice today. Remember, to qualify
• PERSONAL / DISCRETIONARY
as a Million Dollar Choice, you must choose• to TUITION
invest the savings from your smart savings decision.
• EXPENSE TRACKING
MILLION DOLLAR CHOICESTM
Million Dollar Choice Examples
Everyone
Small Business Owners
College Students
MILLION DOLLAR CHOICESTM
Million Dollar Choice Model
1.
2.
3.
4.
INFORMATION SOURCE
Advanced Information Engines
GREAT CHOICE
Acceptable Lifestyle Change
Expense Efficiency
R.E.S.I.R.V. – One-Time Choice
INVESTMENT
Compelling Performance and Security
Automatic
Rewards – Multipliers and Matches
POWERFUL FUTURE VISION