This document criticizes Dave Ramsey's advice regarding saving and investing, arguing that his claims about being able to save $500,000-$700,000 in 20 years by investing $6,000 annually are unrealistic and do not account for fees, taxes, and average market returns. It then provides alternative scenarios using life insurance and income plans that it argues would provide better guaranteed benefits and returns over the long run compared to Ramsey's mutual fund strategy.

1. Changing the Way America
Saves Money and Builds
Wealth.

2. Dave Ramsey
• Opposes cash value life products
• Gives Bad Money Advice
• Lies to the consumer on what is reality
Lets analyze his
so-called “expert
advice.”

3. 32 Year - Old
• Save 15% of $40,000 = $
6,000/year
• Mutual Funds – Inside a
401k
• Die at 52 – no life insurance
• According to Dave Ramsey
has saved $500,000 -
$700,000 in a mutual fund.
This has Nothing to do with Life Insurance
Turning $6,000/year into $500,000 - $700,000 in 20 years
Is this really possible? Lets take a look! Based on Dave Ramsey’s Assumptions

4. Turning $6,000/year into $700,000 in 20 years?
Presto $700,000
Seems a little pie in the sky don’t you think?
You need to Save $6,000 a year
Growing at 15% Compounded Annually
Zero Fees and Commissions - $0.00
Zero Tax Rate – 0.0%
Dave Ramsey Absolutely Pie in the Sky

5. Back Here on Earth lets be more realistic
• $ 6,000 savings
• 10% Compound Return
• 1.5% Fees & Commissions
• 25% Tax Rate
• $232,000 After-Tax Cash
• Far Cry From His $500k to
$700k He Promised in his
Video.
Dave’s Ramsey Optimistic Plan lets
Cut by 5%
Based on Dave Ramsey’s Assumptions

6. • $ 6,000 savings
• 8% Compound Return
• 2.5% Fees & Commissions
• 30% Tax Rate
• $150,000 After-Tax Cash
• To Wife
• Total investment $120,000
Realistic Plan Dave’s Wish Plan
• $ 6,000 savings
• 10% Compound Return
• 1.5% Fees & Commissions
• 25% Tax Rate
• $232,000 After-Tax Cash
• To Wife
• Total Investment $120,000
But According To Dave Ramsey’s Bull---- PLAN
Presto! $500,000 to $700,000! Is this Reality?
• Based on Dave Ramsey’s Assumptions!

7. The Ultimate! Real Life Plan!
IUL Cash Value
Life Insurance Saving Plan with
Living Benefits
Continue to Save $6k/Year
Dies at 52 years old
$593,199 TAX FREE
Guaranteed To Wife
No Pie In The Sky! Guaranteed
• Based on current Assumptions

8. But What If He Lives?
Life Insurance Savings Plan with Living
Benefits and Tax Free Income
• Continue to Save $6k/Year
• Stop @52 – Benefits
• Chronic Illness $5,603 per Month Tax Free
• Critical Illness Living Benefit $475,426 Tax Free
• Terminal Illness $449,999 Tax Free
• Income Benefits
• $35,209/Year Tax-Free to age 100
• Total Benefits to Him and Family
• $1,760,540 by age 100
• Dies at 100 - $556,512 Tax-Free to Family
• Total Value: $2,317,052
• His Investment: $120,000
Based on current Assumptions

9. But What IF He Continues To Save ?
Life Insurance Savings Plan with Living
Benefits and Tax Free Income
• Continue to Save $6k/Year
• Stop @70 – Benefits
• Chronic Illness $25,106 per Month
• Critical Illness Living Benefits $1,000,000
• Terminal Illness $1,165,909
• Death Benefit over $1,300,000
• Income Benefits
• $185,843/Year Tax-Free to Age 100
• Total Benefits to Him and Family
• $5,575,290 by Age 100
• Dies at 100 - $1,342,641 Tax-Free to Family
• Total Value: $6,918,231
• His Investment: $180,000
Based on current Assumptions

10. Dave’s Ramsey’s Famous Quote?
“Live Like No One Else”
Because Your Not Living!