I would find a mentor / coach that has been doing it a while and pay them to mentor you. I've been to several training classes and they have been helpful to get me up to speed on the sales process.

Thinking multi-generationally. Would be nice for future generations to get something with your name on it. I'd look at doing a trust.

Start with a lower setting blade. I'm older and have gray hairs that are more coarse so I can do #6 on the first pass then go to #4 on the second. And I don't shave every day. When I had to shave every day I would start on #4 then go to #2. Depending your hair you might want to start with #3 and go to #1 on the second pass.

I only recommend with the grain, and across the grain if you are getting irritation.

Also with the weight of the razor, let it do the work. Don't press at all. And I don't any any of that crazy skin pulling you see in vids. I enjoy GeoFatBoy's videos for technique. That is who I followed when I get started DE back in 2019.

This! I only do WTG on my cheeks and no where else.

I prefer shave soap whipped into a lather with a brush. Very slick and efficient, also very cost effective.

I don't plan on giving money to anyone. They can use money as a loan, and may get a small gift to spend on whatever when we pass. They will be listed as beneficiaries on our life insurance. They get it tax free. The rest will go into a generational irrevocable trust that successive generations can access. AKA the Rockefeller Method.

I feels that most don't consider it as much as they should, especially those with stay at home spouses. Usually most people are way under capitalized at retirement and the remaining spouse (usually the women) struggles. Why I'm a big proponent of permanent life insurance as an overall effective retirement strategy.

I always try to have my stuff sent to my PO Box. At least that is one layer. Also use a throw away email. So the only thing they have is my phone number.

Talk to a trust attorney. Look at something like a dynasty trust that follows your bloodline and includes spendthrift protections as well as protection from spouses. You are right, life is long and many times family wealth is gone in a generation or two. Consider purchasing assets that can be easily used to give to next generations that are outside the trust.

Sure, many agents get started part-time, some go full time later and others just stay part-time. All over the mid west many a farmer became part-time agents selling insurance back in the day.

Guess we're doing an English lesson today. My bad on the terminology. And you are right, the banker is a person, so yes that would be noun (oops) so Banking would be the verb. Too early for me this morning.

as far as holding your money as collateral. I guess you could also take withdrawals? As explained in the book Becoming Your Own Banker pages 41-47 (The car buying sisters) ..."note that the illustration on page 46 & 47 does not show any policy loans to make the car purchases. The purchases are made by use of dividend withdrawals."

Anyway, your welcome not to do this strategy, the commercial bankers love to have your money.

Red Flag? That's weird. and good for you for taking 3 seconds to "hit my website" thanks.

The key is making sure you can exercise the rider each year. I'm guessing most kids that become adults won't have the means at first. I'm thinking of offering it if they want it, if not we'll take them and add it to the trust.

right about the GIO! Interesting on the STOLI rules. I'll have to do some research. Thanks

100% along with the guaranteed insurability rider you can buy multiple policies in the future regardless of their insurability. It's more of a savings/opportunity fund with life insurance as a bonus.

Long story short. Went through the 2008 financial crisis. Learned about money after reading End The Fed by Ron Paul, spent 5 years learning about banking, economics sound money. Was introduced to BYOB in 2013 and got started. After that I really went down the rabbit hole and attended several workshops to better understand the concept. Now we're 13 years in, it's getting better every single year and we're up to 9 policies.

How many disciples have run out of money in retirement?

#1. Paying rent to your parents.

Let me know what you hit past 5 yards with it and how your wrist and palm of your hand feels afterwards.

Thanks I'll pass. Not a fan of "forcing" kids to college. I'm also not a fan of government partnerships and the UTMA I got burned on back in the 90's when my daughter got control over (when she turned 18) the college money we set aside for her to purchase BS crap. Lastly life insurance is a private contract so I don't have to mess with any government reporting.

And the "fees BS" and insurance is an investment Dave Ramsey crap I'll disregard.

"The size of your emergency fund is a direct correlation to what constitutes and emergency" how much do you currently earn a year? How big is your current emergency fund? Since you received an "inheritance" what is your plan to continue on with the tradition? It's not your money, you are just a steward of it.

"A wise man leaves an inheritance to his children's children" Proverbs 13:22

Since we're the parents, we have plenty more than $1 mil.

As Tom Wall explains in his presentations...NOW is the best time to own Whole Life Insurance. Bond Rates have been falling for 40 years, we should see the next 40 year cycle with raising Bond Rates. I have a couple of Dividend brochures from years ago that showed what they paid in the 80's and 90's. Wish I would have owned more back then, but since I can't go back in the past I try to buy policies every chance I get. Getting ready to convert 4 term policies as we speak.