Living Debt Free

A BETTER WAY

A better way to enjoy a secure retirement is with theTAD45 pre paid mortgage acceleration Wealth System.  The strategy of TAD45. Mortgage Acceleration System is to helps you pay off your mortgage early then pay all the interest you save to yourself and not to a bank.

The average American pays 35-40% of their income to credit cards, auto loans and mortgage payments.  Let�s take a look at how the average American spends  their money:

Monthly                    Annual

Household Annual Income                                                                       $6,250                       $75,000

Household Expenses

Mortgage Payment                                                                                        $1,250                       $15,000

Auto Payment #1                                                                                             $600                         $7,200

Auto Payment #2                                                                                              $400                         $4,800

Credit Card #1                                                                                                  $150                         $1,800

Credit Card #2                                                                                                  $100                         $1,200

Total Payments                                                                                       $2,500                       $30,000

You will notice from this example that the monthly debt payments are $2,500 per month which equals 40% of the gross monthly income.  You will also notice that just the auto payments and credit card payments are 20% of the monthly income.

Imagine instead of investing in the stock market hoping to get a decent rate of return that you had a pool of money you could pay off all of your auto loans and credit cards. You could stop paying 20% of your income to banks or credit unions.

If you haven�t made the connection yet in your head, paying off your auto and credit card debt would be the equivalent of receiving a guaranteed 20% rate of return!

According to Cars.com apparently not many people have made this connection because 89% of all cars in American have loans against them or are leased. (�Should I Pay Cash, Lease or Finance My New Car� 7-11-11)

The most tragic thing about this statistic is that the 89% financing their cars are also likely gambling their retirement in the stock market.  Isn�t it time you stopped that from happening to you?

Now, what if over time using the same financial tool, you were able to do the same thing with your mortgage?  It would result in a guaranteed 40% total rate of return or 40% more to contribute towards your retirement each month and year!

If you have not had the chance to start your own TAD45 Mortgage Acceleration Wealth Plan, we invite you to see how we can help you enjoy a safe and secure retirement by paying off your mortgage early &  building your retirement account and not the banks!

By: TAD45

We will see you at the top!