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Free book · 86 pages

What Nobody Taught You About Money

Where money actually comes from, why the advice that worked in 1985 stopped working, and the quiet strategy families use to pay off debt and build an asset with the same dollars.

  • 12 chapters
  • PDF, read anywhere
  • No cost, no obligation

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What is inside

Twelve chapters, written plainly

No jargon, no hype, and an honest chapter on the criticisms of this strategy that happen to be correct.

  1. 01Where Money Comes From Six men, a private island, and what the Bank of England says actually happens when a bank approves your mortgage.
  2. 02The Rules Keep Changing A retirement account is an agreement, and the other party has amended the terms three times in the last several years.
  3. 03What Held When Everything Else Broke J.C. Penney made payroll in 1932 with it. Banks hold more than $200 billion of it today.
  4. 04How the Policy Actually Works Including the part most books leave out, which is exactly what your statement says at the end of year one.
  5. 05How These Policies Are Built The design decisions made before you sign, and the four questions that tell you whether the person across the table knows them.
  6. 06Borrowing Against Your Own Capital What happens when you miss a payment, and the one boundary nobody selling this ever mentions.
  7. 07Paying Off Debt and Building an Asset Three payoff methods compared, and the rotating fund that retires one debt after another with the same capital.
  8. 08The Loop Load, Own, Offset, Protect. Four steps that repeat, and the one everybody skips right when it matters most.
  9. 09Income You Control What I learned from gate agents after 2001, and why the order of market returns decides more than the average.
  10. 10What Happens After You Naming a trust instead of a person, and what a family bank actually is once you strip the marketing off it.
  11. 11The Fair Criticisms Buy term and invest the difference, the returns argument, and where the language around this gets overblown.
  12. 12Where You Are Right Now The first move, organized by the decade you are standing in.

From chapter three

$200 billion

What banks hold and rarely mention

American banks hold permanent cash value life insurance on their own balance sheets. More than 3,000 of them report it to regulators, and among banks holding between $500 million and $10 billion in assets, roughly 80% own it.

The same institution will tell you across the counter that life insurance is a poor place to put money. When somebody gives you advice that differs from what they do with their own money, the advice is worth less than the behavior.

Andy Fowler

Who wrote this

Andy Fowler

I am a licensed insurance agent and a former commercial pilot. I coach youth baseball and soccer, and I have five people at home counting on me to get this right.

I wrote this book because nobody explained any of it to me either. It says plainly what I am, what I am not, and where this strategy is the wrong answer, because you should hear that from me rather than find it somewhere else and wonder what I left out.

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