Are you a financial loser? Do not take it out on yourself because 95% of the American public are with you.

It is mathematically impossible to invest 10% of ones income in stocks, bonds, mutual funds or annuities and think that you will create an investment in 40 years that will allow you to retire and replace your last months income. That statement assumes that you obtain the average returns such as the Dow Jones. Even twice the average is not enough.

Lets say that your income is 60,000 a year. You would need 1.5 million dollars today earning 4% after 3% inflation to have a gross income of $60,000 a year as you have today. The average Dow Jones stock could provide that because their average is 7% a year since its inception over 60 years ago. 7% a year less 3% for the average inflation leaves 4% net. It is recommended by many of the top brokers in the country for many retirees.

What those same brokers fail to tell you is that your goal of 1,500,000 will have to increase by 3% every year just to keep up with inflation. So at the end of year one you will have to have 1,545,000 to produce the same income you are earning today. That is a $45000 increase in your goal in one year. Now, if you are earning $60,000 a year and saving $6000 a year and your goal is increasing by 45,000 in one year, you are $39000 further away from your goal than the day you started investing. And each year you continue funding your 401k with stocks, bonds, mutual funds or annuities you will be further from your goal than the day you began. Want to do something about it?

95% of the US investors are financial failures at their retirement age and it is not their fault. Sure their brokers tell them that they started saving too late, or that the ROI on their investments was too low or that they did not save enough of their annual income. It is all baloney. The American people's investment savings is being stolen. It happens because most of those representing our interests are lacking the education to understand. They are getting swindled too.

Who swindles them? Imagine this. Imagine that as a congressmen I can get the government to spend millions of dollars on a bridge where all the land that benefits is owned by my relatives and their investments will turn from a few thousand dollars to a few million dollars each because I get the government to pay for that bridge. Sure it is illegal but so is not paying taxes and many of our congressmen think they are above that too. They are so arrogant that they pass bills that no one has read, with whom 2 to 1 of the American public are against. Our country is not full of angels and do gooders, to the contrary. And if you find a person who wants to see our policy remain, taking from the rich and providing to the poor, run as fast as you can because your pocket is about to get picked if you are a tax payer.

So what is the solution. You need a 20% pay raise to match your 10% you are currently saving. In addition you must quit thinking in the old box that stocks, funds, bonds, and annuities are they way to your retirement unless you want to find yourself in the 95% of financial losers. But where are you going to get a 20% pay raise. And where are you going to find a safe vehicle that will allow you to earn 18% in the bad years and four times that every three or four years?

You need to go on line and learn about a new method of taxation that will give you and every American a 20% to 35% pay raise except those Americans in organized crime. You see them every night in the news, standing on every corner in every city pimping or selling drugs. Did you know that they pay no income taxes.

Did you know that there is another tax that will lower your cost of living 20% to 35% after taxes and increase the organized crime cost of living by the same revenue that is lost today by what you save. That tax is called the fairtax.org. There you will learn many things that you never knew. How they spent 26 million dollars to find a tax that was simple and fair to replace the income tax that is complex and unfair. It is a tax that benefits everyone, except the crooks, who dodge their taxes completely. You will learn about a tax that can be so attractive to investors the world over, that stash their cash in tax havens all over the planet, they will flood the US with investment dollars so large that we can pay off our national debts in as little as 10 to 15 years without raising taxes another dime. Let me give you a hint. Would you rather put your money in a tiny government's bank on some foreign island for 1% interest or put it in a US bank that guarantees your principle and interest through the power and history of the US that pays you the same interest with no taxation? The government can make trillions and so can the public, with the boom they get when the economy soars upward with low interest charged on real estate and business loans. Let the American have low loan rates with an economy soaring upward and you create a win win for both the public and the government.

Before leaving I want to tell you, you are not alone. I have some very close friends who know what they do is irresponsible, financially speaking. But they are so rich they can afford the losses their habits create. They put millions of dollars into accounts that pay only 4% gross. They do not seek higher returns because they do not want to risk their money any where else. So instead they take guaranteed losses in small amounts. They pay half their interest income in taxes. From that they spend 2% for themselves. At the end of the day they see their investments are down 3% because their dollars buy 3% less. Any historian of financial events can verify that the dollar has depreciated from a dollar in 1913 to a nickel today. It is another story but the devaluation is manufactured by our own government. Now that is a theft far greater than taxes have ever caused.