Retire Now & Make Your Life a Perpetual Saturday

MJDogs
By Mike Johnson

Financial freedom is heaven.

I know this because I live there. No more Mondays. It’s Perpetual Saturday here on the mountain. No dress code. No boss. No having to be somewhere. The Border Collie is my co-worker, jeans are my uniform and the schedule is whatever I decide to do, wherever I decide to do it. Today I decided to write you from the “skybox” living room of my log home, 1,400 feet above the valley, framed by 12,000-foot snowcapped mountains, just outside Yellowstone National Park.

I’m immersed in my dream — an early retirement in a location I love, with a woman I love, in a home that I love.  I “retired” seven years ago after establishing 95% passive income streams. I own three mobile home parks that each have a manager. My only “job” is managing my managers. This is done mostly by phone and email.

I no longer work any schedule. I don’t have to leave the mountain unless I want to. My income rolls in each month and far exceeds my monthly bills.

If I travel, the income continues. If I get sick or disabled, the income continues. If I want a raise, I raise rents, reduce expenses or buy another income property. Each month, my equity in the properties grows and their value increases.

I don’t have to worry about my paper investments crashing because I don’t hold any paper investments. My investments are held in real properties that produce real monthly income. I am totally in control of my investments. I don’t have to worry about outliving my savings because my properties provide fresh income every month without me having to work a schedule. I don’t have to worry about brokers or bankers stealing my savings because they never get their hands on my savings.

While everyone else is losing money in paper investments (and don’t even realize it!) due to low interest rates, high inflation and unfair taxes, I am actually gaining money in this environment due to owning real property investments.

This is what financial freedom looks like. It can become your reality too, if you just learn how to BUY an already existing passive income stream that allows you to retire within 12 months.

Earning passive income takes active thinking! Expand your thinking with my FREE report, “The Many Ways to Earn Income Besides a Job.” Just sign up for your free subscription to PerpetualSaturday.com (Upper right corner) and you’ll receive the report in moments.

It’s Now Impossible to Save/Invest Yourself to Retirement

melting dollar photo
Photo by Steve A Johnson

By Mike Johnson

Here’s a kick in the head. Everything you’ve been taught about saving and investing is wrong. Your savings aren’t growing, they’re melting.

For decades, conventional wisdom has taught us to save a portion of our paychecks and deposit them in an IRA, 401k or other account that will invest our money. The miracle of compound interest and earnings is then supposed to work its magic over our 40-year working career and turn our tens of thousands into a few million. We can then retire at age 65 and live the high life off the interest our savings generate.

Wrong!

Millions of seniors who did everything “right” are learning the hard way that conventional wisdom is no longer true and may have even been a giant lie that was purposely told to steal their money.

We now live in a world where financial repression is government policy. Governments have rigged the game to keep interest rates very low, inflation very high and taxes on illusionary “gains” very unfair.

So what does this mean to your retirement savings?

1. You’re not earning much on your investments, often less than 3%.

2. Real inflation is running nearly 10% (ShadowStats.com). Governments get away with saying inflation is running less than 2% because they keep changing the formula used to calculate inflation. This allows them to keep cost of living increases lower on their social security payments and make their management of the economy look far better than reality.

3. A 3% return on your investment is actually a 7% loss in purchasing power once you account for real inflation. But the amount of dollars in your account grew by 3% so the government considers that a gain. You are then taxed on that “gain” that is actually a 7% purchasing power loss.

So in effect, despite your investments showing an increase, inflation and taxes steal all those gains plus another 7 to 8%.

If you need more proof of this, I highly recommend a visit to DanielAmerman.com. He does a terrific job of explaining this with many examples and charts.

The longer you save and invest, the more purchasing power you lose. The more you save and invest, the more purchasing power you lose. You can’t make it up on volume.

No matter what your rosy investment account statement says, you are actually LOSING massive amounts of purchasing power every day, every week and every year. Saving and investing is a losing proposition despite it looking like a winner!

This is no accident. Financial repression like this makes fixed government debts easier to pay with cheaper and cheaper dollars and creates additional unfair tax revenue for those governments. This is all done at the expense of savers and investors. Only 1 in 10,000 investors realizes what’s happening.

But despite today’s manipulated and corrupt financial system, there is still one investment strategy that protects you from low interest rates, high inflation and unfair taxes on illusionary gains.

That strategy is buying income properties with fixed-rate, borrowed money. That’s exactly what I teach here.

This not only allows you to GAIN purchasing power while all your friends are blissfully taking losses, it also provides a 95% passive income stream that allows you to retire within 12 months. This strategy can earn massive wealth and earn massive time all in one fell swoop!

So the bad news is that it’s no longer possible to save and invest your way to retirement.

The good news is that it’s possible and spectacularly faster to just BUY your way to an earlier retirement.

This will take some self-education.You’ll need to learn new information and unlearn old information. You’ll need to become your own expert.

The alternative is to keep feeding the thievery and reach age 65 with a small fraction of what you started with.

Keep reading my other posts to learn how you can escape this theft and move into a richer, more secure and faster 95% passive retirement.

My Million Dollar Letter shares all the details of how to achieve this brilliant alternative.

 

Dear Middle Class: You’re Doomed

terminated photoBy Mike Johnson

Have you heard the latest news about your retirement? You ain’t gonna make it.

With banks paying less than 2% interest, the stock market in an insane, unsustainable bubble, and REAL inflation running nearly 10% (ShadowStats.com), your purchase power is melting faster than you can save it.

REAL unemployment is nearly 23% (ShadowStats.com) and getting worse. Which means the odds of your job going away are increasing more every day.

But enough gloom and doom. What can you do about it?

You can start self-educating yourself to take control of your own investments.

If you stick with The Herd, you’re going to go right over the cliff with everyone else. It’s a mathematical certainty that the dollar is in a death spiral that will result in a Big Reset or total collapse. Goodbye digits and dollars.

The dollar’s value is already collapsing in not-so-slow-motion right now. Prices aren’t going up, the value of the dollar is going DOWN. So it takes more dollars to buy the same goods.

I’m not a trained or licensed financial adviser.  But I am a passionate and bright guy who has invested more than 10,000 hours studying the current financial and political systems. I follow my own advice and learned how to retire early with passive income streams that are protected from inflation, taxes and low interest rates. I think that makes me an expert. But that’s for you to decide. It’s your money, so make your own choices. I’m not responsible for any losses you experience. Do your own research and become your own expert.

That said, here’s what I’d do if I had an IRA, 401k, profit sharing or retirement savings account (I don’t because savers are being systematically sheared like sheep).

I’d find a very profitable business or residential income property with more than 30 units, and BUY it (I did) with my retirement funds. I’d absorb the early withdrawal penalty and put my remaining money into something I can touch and see and control. Real property is much harder to steal than digits and paper dollars sitting in the clutches of our financial overlords.

If, like me,  you buy a large enough business or property, it will generate enough income to pay all its operational bills, its mortgage, a manager to run it and all your personal bills too. This can create a 95% passive income stream that allows you to retire within 12 months.

The rosy statements that your retirement fund managers send are merely promises to pay, not the payment themselves. They are the illusion of value. Once you subtract real inflation and the taxes you must pay on the inflation-caused “gains” that actually still LOST real purchasing power, you have actually lost more money than you saved! Only 1 in 10,000 investors realize this.

Worse, your retirement accounts have virtually NO security. My research and opinion says that if just 3% of all retirement accounts were cashed out, the funds would run out of money to pay the other 97%. The money in your account is used to buy other paper investments so your fund can get a return for you. These other paper “investments” were way over priced and often, way over leveraged. There is not enough underlying real value left to cash out more than 3% of all retirement accounts. The same is true of bank deposits. Those who panic first, win.

But you aren’t panicking. You are merely self-educating yourself to realize that real goods and real properties carry far less risk than paper and digits in some account run by people you do not know, who you cannot control. With your existing retirement accounts, all you have is blind trust.

Are you willing to trust your life savings will actually be returned to you by the bankers and politicians who have already run our country into financial hell?

Think of those thousands of early mornings you marched off to work. Think of all those luxuries you did not buy so you could save for your retirement. Consider how much your family scrimped and went without so you could save for better days. Now imagine losing all that to crooks who care nothing about you and don’t even know you exist.

Trading real money today, for a piece of paper that promises more money in the future, is the oldest scam in mankind.  But because the crooks are wearing suits and speaking on television, you saw them as credible.  But you weren’t alone. So did everyone in The Herd.

Those dirty rat bastards. (The crooks, not The Herd)

You owe it to yourself and your loved ones to leave The Herd and become your own expert. It’s your money. It represents a lifetime of work. It would be a spectacular catastrophe to lose it just because you refused to self-educate and make better choices.

Earning passive income takes active thinking! Expand your thinking with my FREE report, “The Many Ways to Earn Income Besides a Job.” Just sign up for your free subscription to PerpetualSaturday.com and you’ll receive the report in moments.

 

 

Retire in 12 Months

Mike&Elk
Once you leave the herd and become your own expert, life gets significantly better.

RETIRE IN 12 MONTHS

By Mike Johnson

Yes, it’s possible. If you’re motivated, it’s probable.

Here’s the entire plan in a nutshell:

You just BUY an already existing passive income stream.

What?

You just BUY an already existing passive income stream.

Can it really be that simple?  Yes.

If it’s that simple, why doesn’t everyone do it? Read my post below titled “Don’t Follow The Herd.”

Right now, there are literally millions of businesses and income-producing properties for sale in just the USA. Of course, there are far more for sale throughout the rest of the world.

Your job is to self-educate yourself on how to find them, how to determine which are worth buying, how to qualify for financing from sellers and banks, how to close the deals, how to operate the business or property and how to find a manager to operate it, so you only have to manage your manager. This will free 95% of your time to spend as you like.

If you do this right, you’ll buy a property that pays all its operational expenses, its mortgage, a manager to run it and all your personal bills too. One large enough deal and you are done working for The Man forever.

But that sounds like too much to learn!

Fine… go back to listening to The Herd and work decades scrimping and saving, hoping that by the time you reach age 65, you have a large enough nest egg to retire.  Ignore the fact that low returns, high inflation and unfair taxes are melting your purchasing power faster than you can save it. Trade your entire life for the flimsy  promise of a possible retirement that only 5% of all people aged 65 ever attain.

Do the Math

If a friend offered you an investment that would return 5, 10, 20 or 40 times what you put in, you’d jump on it, right? So don’t you think it wise to invest less than a year self-educating yourself to immediately retire, so you can avoid the pain of working another 5, 10, 20 or 40 years trying to save for some wispy dream far in the future?  That’s an enormous return on your time investment, Scooter.

Better yet, you’re not investing a full year. Your self-education happens while you’re living the rest of your life normally. Most people can learn enough in 3 to 6 months of leisurely learning. So your return on your time investment is actually closer to 20, 40, 80 or 160 to 1.

But there is one more thing you’re going to have to learn. And it is more difficult than it initially seems.

How are you going to spend all your free time when you no longer have to work a job to earn income?

My Million Dollar Letter helps you seize this reality for yourself.

Don’t Follow The Herd

herd of elk photo
Photo by USFWS Mountain Prairie

By Mike Johnson

The true measurement of financial freedom: “How many months can you pay your bills if you stop working?”

For those of us who are 100% financially free, the answer is “For the rest of our lives.”

Perhaps 10% of those who are financially free have amassed millions in cash that is just sitting in a bank (not me). They can write checks forever as long as no one steals their money.

For the rest of us mere mortals, we own passive income streams that keep flowing month after month in amounts that exceed our monthly bills. Once our monthly passive income exceeded our monthly bills, we “retired” from a work schedule and now just manage our income streams. We’re 95% retired. Those of us who are more motivated, keep looking to buy additional passive income streams so our lifestyle keeps improving without having to work a schedule.

How many people do you personally know who could pay their monthly bills forever without having to work a job or a schedule? One? Two? Any?

Sadly, only about 5% of Americans are financially free. Unfortunately, this doesn’t stop the other 95% from giving advice on how to get there.

“Conventional wisdom” (The Herd) tells us to go to college, secure a good job, work and scrimp and save for 40 years to save up a nest egg that is large enough to live off its interest and retire at age 65.  This is yet another example of The Herd offering “advice” that is insane.

Why spend 4 years amassing massive college debt and then work and scrimp and save for 40 MORE years when you can just self-educate yourself for a few months and BUY the passive income stream the “experts” insist takes a lifetime to save?

The Herd never offered you that advice, did they? That’s because The Herd only parrots what they were told by the other members of The Herd who are not financially free themselves.

The first lesson in gaining financial independence is to become your own expert. Do your own research. Listen only to the people who have already achieved what you want.

You can love The Herd.  You can live with The Herd. But if you want financial freedom, you have to stop listening to The Herd.

Lesson #1: When it comes to the things you most value, individuals who do their own research are always smarter than The Herd.

Become your own expert.

Earning passive income takes active thinking! Expand your thinking with my FREE report, “The Many Ways to Earn Income Besides a Job.” Just sign up for your free subscription to PerpetualSaturday.com and you’ll receive the report in moments.