Issue One

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It's Your Money!
Issue 1 - The Inaugural Edition
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"Let's Go!"

"It's not about what you've done.  It's about what you're doing.  It's all about where you're going no matter where you been . . ."

Welcome to the inaugural issue of “It’s Your Money!  If you’re reading this, it means you opted against deleting this newsletter.  I commend you and thank you!

This newsletter will keep you informed on the many ways my savings and retirement practice will help you take control of your financial present while protecting your financial future.  In the coming months, I’ll cover the following topics for individuals:

·        How to pay off all of your debts including your mortgage in 7-10 years


·        How to build a predictable retirement savings on your current income


·        How to use insurance premiums to generate an emergency fund, college savings, and retirement savings

·        How to ethically and legally defer and avoid taxes

·        How to end your dependence on banks and finance companies for your financing needs


·        If you’re nearing retirement or you already arrived, how to obtain Medicare Advantage or Prescription D benefits


·        How to make your retirement savings last a lifetime – guaranteed


I’ll cover the following topics for small business owners:

·       How to use your fixed costs you’re already paying to generate a line of credit and retirement savings

·       How to finance your buy-sell agreement and generate a retirement savings using your fixed cost cash flows

·       How to use your key person insurance to generate a line of credit and retirement savings

I will also spotlight reputable businesses that can be of assistance to you and your endeavors.  If you own a small business, and we can cross trade business offerings, let’s make it happen.

Ultimately, the key is to help you become an active participant in your financial future because it’s your money . . . until you give it away.

Did you know?

60-70% of each one of your insurance premium payments should/could go directly to cash value accumulation for YOU.  Don't know how much is going to your cash value on your current insurance premium payments?  Call me.  I'll check it for FREE.



Business Shout Out!

Rome Madison, The Everyday Superstar

·        Professional Speaker, Author, Entrepreneur, Business Coach


·         972-689-6757




·       Looking for a featured speaker for your group, association, organization, small business, etc? I regularly present "the 10 Principles of Money Mastery" to organizations just like yours. Call or email to make me your featured speaker!

·        Earn 10% of my total commissions on anyone you refer to my practice that becomes a client

Stop Living Check to Check

How can you ever begin to save for retirement when you typically have more month than money?  I guarantee you have more money than you think you do.  Before you can start to realize your real earnings, I strongly suggest you embrace the “10 Principles of Money Mastery” as described in Money – What Financial Experts Will Never Tell You.  The 10 principles are as follows:

1.      Spending is emotional.  Almost 50% of your purchases are unplanned.

2.     When you track your money, you control it.  I’ll help you find $300 - $600/month you’re wasting. 

3.      Savings is delayed spending.   You should follow the 60%/20%/20% rule when saving.

4.     Power down your debt, power up your fortune.  You’re spending nearly 35 cents of every dollar earned on some form of interest.

5.      Know the rules.  Dealing with money is a game you should and will understand.

6.     The rules are always changing.  You should and will be aware of the changes. 

7.     Always look at the big picture.  You should and will know exactly how much you’ll need to retire.

8.     Organizing your finances enables the creation of additional wealth.  When you organize by taxation, you will identify more ways to make money. 

9.     Understanding taxation enables you to retain more of your money.  You should only pay what you owe.  I can show you how to decrease what you owe.

10.   Money in motion creates more money.  This principle will cause your retirement savings to double or triple – guaranteed.

If you’re ready to stop living check to check or just ready to accelerate your retirement savings, call or email to set an appointment for a consultation. 

Ray Hodges Ray Hodges

214-810-5881 (w)
214-675-2952 (m)
214-785-6173 (f)
1204 Ashford Dr, Desoto, TX 75115, United States
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It's your money . . . until you give it away.