Holistic Wealth Builders

06/19/2025

60% of millionaires own a small business.
88% of people earning over 30 million, own a business!
Should you start one, or buy one is the question/pregunta???
What do you think?

04/11/2025

What’s holding you back from surrounding yourself with a network that helps you level up?

04/09/2025

You Sacrifice, You Save, and then you give 22-33% away.

How does that make any sense to anyone??? What I just described is every IRA, 401k, 403b, Keough Plan Etc… with the exception of a Roth, but even a Roth has strings, limitations and is subject to losses in the market with very poor liquidity options.

There is an alternative that provides Growth, Safety, Tax Advantages like never having to pay them (yes keep all the growth), Liquidity (after all it’s your money).
And if you should pass away, which you will someday, it blossoms and all transfers tax free to the people and institutions you care to provide for.

It’s called IUL (index universal life insurance. Premiums are flexible.

Just text my personal cell and I will reach out to teach you, and answer all your questions (978) 973-6048
If you do not respond to my text, I will never contact you again.

Disclaimer- this is an insurance product so it’s not automatic, you may have to qualify. I’ll answer all your questions, text now don’t call and leave a message as I don’t listen to them

04/04/2025

Nobody ever wants an I told you so, but I did, and if you started transitioning assets when I told you, you would have lost nothing, and in fact gained 1%, it ain’t sexy, but a positive gain of .75% when people are losing their retirement isn’t nothing.

Even a point to point annuities strategy is to risky for the coming economic forcast in my opinion. You can ladder short term annuities for some garrantied rates of return, without tying up your money for too long.

But my absolute safe harbor, holy grail place to park your money is in an IUL, (index universe life insurance). If you don’t know why, it’s time to ask me.

As an insurance product, you have to qualify. Fair warning 🔥 Once you catch a diagnosis 😢, this financial foundational product is not available to you in most cases.

Happy to jump on a call and walk you through it

03/28/2025

Are you surprised by investment markets??? Printing money that most people have to slave their life away for, making everything cost 10-15 percent more in a single year (hyperinflation). Covid bailouts, And now trickle down tariffs!!! Which are making many many many materials cost more for manufacturers and more importantly small businesses.
This 5-7 Trillion dollar sell off is just the tip of the iceberg. Pain is in the forecast.

Economists exist to make weather men look good!

Very few safe places for wealth, and I’m no conspiracy advocate. HOWEVER, the laws were recently changed to allow you to put twice as much money into the “only place” where it won’t lose principle, “IS NOT” ALLOWED TO BE CALLED AN INVESTMENT🤪🤪, and where capital grows tax advantaged ( like an Ira but better).
QUESTION 1, Do you think law makers in the know, might possibly change laws to help their own financial situation????
QUESTION 2, if you were walking the deck of a cruise ship in the middle of the night, and you saw the executive staff and the captain lowering themselves down in a lifeboat essentially leaving the ship, how long would you stay on board?
Question 3, did you know there was an independent guy in Winchendon, a financial fiduciary that teaches financial literacy while also helping people plan their retirements, get out of debt, plan for college and who also sells life insurance????

03/26/2025

Every dollar spent or earned, is to gain pleasure, or avoid pain.
People will spend more to avoid pain, then they will to buy pleasure. Unless that pleasure also avoids pain.

When you go shopping you think you’re spending money, but money is only a representation of value.

You’re actually spending the time you “spent” to earn that money.

You didnt spend It with your family, you didn’t spend it with your friends, you didn’t spend it at the gym. You spent it, the most valuableable thing you have (time), solving someone elses labor problems.

Provide a solution; minus “labor” (you) and marketing cost equals money machine, which equals time freedom.

Once you “Get This”, you will be on a new level (reread as needed)

You only get so much time to spend, but money is always available.

How much are you getting for an hour of your time? 3 dozen or 4 dozen eggs?

Money/ dollars = a way to trade labor for products and services. Instead of bartering my cabinets for your medicine we create a market and assign value.

Trade your job for the job of creating value.
Your hours are worth more than 3 dozen eggs, they are worth a billion dozen. PROOF??? How much would you give for 1 more hour with a person no longer here?

Stop looking at what you can buy with money, and start seeing what an hour of your time is really worth. How many coffees an hour? How many weeks, months or years for a car??? There is a better way and I Michael Kern can show you the path so simple in under just one hour. Will you spend an hour with me?

If you got value from this, please share it with someone who needs it.

03/21/2025

It’s going to get a lot worse before it gets better. If your interested in learning more options, DM me

03/20/2025

https://www.tiktok.com/t/ZP82xE3HQ/

Check out Holistic_Wealth_Builders’s video.

03/15/2025

Stock market loses 5 Trillion in last 3 weeks. Imagine an investment that never loses money.

Have you heard ZERO is your hero?

This is what you EARN and what you LOSE “0” when the market tanks!!!

Doesnt that make more sense?? If it doesnt yet, call me when the market tanks another 5-10-50 Trillion. Ive been the Canary and the coal mine for the last two months.

03/08/2025

3 Money rules!
#1 don’t spend more than your earn
#2  take that extra money every week or month and put it into an investment that makes you money so your money is working for you.
#3 this rule comes from Warren Buffett, which is his number one rule for investing, which is don’t lose money rule number two of investing pay attention rule number one

03/08/2025

Here’s a fun ChatGPT prompt:

Hey Linda, I call my ChatGPT Linda, if I have a credit card balance at $10,000, and my interest rate is 28.9% how much do I actually pay in interest per month? 

Let’s say you have $30,000 in debt, at that interest rate you’re paying about $729 per month to service the debt, which is just shy of $9000 a year

So now we know, whatever debt we have, we pay about a third towards the interest every year.

If you would like to do something about that??? and learn more about financial education ??? or a fast way to get out of debt without hurting your credit??? comment below for more information. Or dm your phone number