Here is the best proven way to become a millionaire in America.

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2 14 Step Cheat Sheet to Build a Million Dollar Portfolio from Scratch! By Dr. Scott Brown The United States Congress wants you to survive and thrive in retirement. They have created a number of amazing retirement accounts that give stock investors enormous contribution limits and tax savings. Here is the best proven way to become a millionaire in America. 1. Save $1,000 for emergencies. a. Establish an emergency fund: Open a bank savings account and deposit $1,000 cash. 2. Participate in employer sponsored 401(k) but only up to matching. a. Invest employer sponsored 401(k) into lowest turnover/ expense pure stock index fund or ETF on plan menu. 3. Save an additional $200 per month to cash out home. a. Make sure bank posts principal balance reduction. 4. Insure against disaster. a. Secure family health insurance (if you have none) under Obama care. b. Insure your car properly. c. Insure your house correctly if homeowner. d. Buy renters insurance if renter. 5. Save to Invest a. Save $5,500 if under age 50. b. Save $6,500 if 50 or older. 6. Open a Roth or standard IRA and deposit $5,500 or $6, Save more a. Save $17,500 if under 50. b. Save $23,000 if 50 or older. 8. Open Roth 401(K) and a solo 401(k) to contribute $17,500 or $23,000. a. Use the Roth 401(k) if you don t need a tax deduction on your corporate return. b. Use the Solo 401 (k) if the deduction is more important. 9. Create a living will for any assets outside of your Employer Sponsored 401(k), Standard IRA, Roth 401(k) or Roth IRA. 10. Start a profitable side business inside a Nevada LLC, do bookkeeping, file federal return. a. Match Roth 401(k) up to $53, Invest Wisely in Retirement Accounts. a. Choice #1: Buy SPDR ETF (SPY) 9-10% expected return passive set and forget (easy). b. Choice #2: Buy no more than 3 of the best value stocks you can find 15% expected return must actively manage (hard).

3 c. Choice #3: Buy no more than 3 of the best Momentum Stocks you can find 17% expected return (hard). 12. Move elderly mom and dad near you. a. Give primary care to your mom and dad who helped you as a defenseless infant. 13. Plan to span generations. a. Make children beneficiaries of your retirement accounts. b. Take the time to teach them to become financially responsible. 14. Monitor Senility by taking the Ohio State University SAGE test every year to detect dementia as you age. a. Senility Option 1: Move retirement accounts to cash if cognition declines. b. Senility Option 2: Work with most trusted and intelligent younger family member to help manage your investments and steward the wealth of other heirs after you pass away. c. If you are interested in getting professional help for putting all of this together schedule a 30 consultation with me click HERE.

4 14 Step Cheat Sheet to Build a Million Dollar Portfolio from Scratch! Video Script Kobe Bryant, the famous NBA basketball star has retired with enough money to never have to work again with his way more than million dollar retirement, but not everybody is able to earn millions of dollars during their lifetime like Kobe. But, even Kobe had to save every day! Intelligent decisions are the water that grows a strong money tree for your family. Unfortunately, very few of us were taught proper money saving skills from an early age. One of The New York Times Best-selling books, titled Smart Couples Finish Rich takes the time to rank the most meaningful investment numbers for families. The main point of Smart Couples Finish Rich, is that you don t have to hit the gene pool lotto and retire a wealthy basketball superstar, and you don t have to be born into money. You just have to make sure you re saving the right amount of money, each and every day, so that you can obtain a safe and secure financial future for you and your spouse. Think about this, just two dollars saved each day, invested with an average rate of return of twelve percent, turns a twenty year old college student into a millionaire by age sixty five; where it takes a fifty five year old person over one hundred and fifty six dollars a day, with the same rate of return, to achieve the exact same goal. Where do you fall on the age scale? How much do you need to save each day to retire a millionaire at age 65? Twenty years old: $2.00 Twenty Five: $3.57 Thirty: $6.35 Thirty Five: $11.35 Forty: $20.55 Forty Five: $38.02 Fifty: $73.49 Fifty Five: $ Another important book is I Will Teach You to Be Rich by Ramit Sethi, who emphasizes the importance of putting this money into a self-directed Roth IRA. A self-directed Roth IRA has lower contribution limits than the Roth 401K, and also offers important tax deductions if you earn your daily savings through

5 your own business. By simply investing your self-directed Roth IRA into an indexed fund you should receive the expected return you need. Consider investing in one of the following, the Vanguard 500 Fund (VFINX), the ETF SPDR (SPY), or the NASDAQ (QQQ). Any of these funds should work nicely. If your heart s desire is to continually cruise around the world during your retirement, then the proceeds from this fund should be able to pay all the bills. In fact many major stock firms already offer debit cards that allow you to use your retirement account to pay for anything your heart desires with maximum convenience and access to your cash.