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So I needed some marketing money because
everything was switching digital. And I just

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reached into my annuity, got a
ten percent free withdrawal, dumped it in

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my marketing and kept my business alive. And well, you're listening to Carrie

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Lets's Financial Survival Network, where you
get valuable information you just can't find anywhere

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00:00:18,359 --> 00:00:24,559
else to thrive in today's trying times. You need the Financial Survival Network now

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00:00:24,800 --> 00:00:29,559
more than ever. Go to Financial
Survival Network dot com and get your free

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00:00:29,559 --> 00:00:40,200
newsletter in gift Financial Survival Network now
more than ever. And welcome. You

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are listening to watching the Financial Survival
Network of your host Cary Lots. Well,

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Hey, if you're a boomer like
me, one thing, you're approaching

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retirement. You're thinking do I have
enough money? If I don't have enough

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money, what can I do about
it? Am I going to have to

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work forever? And hey, is
there a way out of this mess?

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Well, an answer to you,
there is a way out of this mess.

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Her name is Chris Miller. You
can find her at Meet with Chrismiller

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dot com. New chorus coming out
Chris Create Income You'll never outlive. Hey,

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I like the premise, what if
I live to one hundred and twenty,

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I'm still going to be okay,
yes, sir, you sure are.

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Thank you, Carrie, appreciate it, and that absolutely get that income

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started pays you for life. And
I've been doing this for thirty three years

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and over six thousand clients, and
those that have done this, the safe

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Healthy Money all have the same setup
where they never will outlive their income.

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And it's really gives you piece of
mine. I'll tell you because I got

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it too. I own what I
sell and that's all I do. Okay,

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So how do I do it here? And how do we do it?

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Well, it's not a one size
it's all, but it's a financial

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fitness strategy because it depends on your
age, your health, and what your

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goals are and how much money you
have. So if you're a younger,

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I'll tell you I found out later
in life because I'm a boomer two,

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I would have been done this like
in my thirties and forty. I found

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out at fifty eight. I literally
did in at sixty four. Okay,

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but I'm in great health. It's
called Index Universal Life right investable life insurance

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where they blow up the death benefit
and blow a way up so that you

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can create tax free income for life. Now these are like whole hybrid,

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whole life. You know, they've
just upgraded and they've added all kinds of

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goodies. They've also got catastrophic illness
protection because seven out of ten of us

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over sixty five end up in a
nursing home. So the sweet part about

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that is when you get in your
nineties and a hundreds, you can pull

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two to four percent of the depth
benefit. And what most people do is

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they stay in their own home and
they'd modify their home and hire their friends

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or family, keep the money in
the estate and it's a lot better lifestyle

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and going to a nursing Okay,
I like it rather beyond the smith and

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retirement plan than good when nursing them
quite honestly, well health as well.

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So you want to start with that. But you know we don't always get

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that, and there's a lot of
stress and everything. But the point is

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taking getting your cash safe, because
I bet you ninety percent of everybody if

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you look at your portfolio, most
people have their money and risk. So

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you take a good percentage of that
and you can fund these things. So

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you can fund them over five to
ten years and there's creative ways that you

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can do it. You could actually
put it into an annuity that allows you

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to take ten percent of the principle
out and fund it into the IUL,

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and then you have two streams of
income coming out. Now, the IUL

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is underwritten, so you've got to
have health for it. That's that's the

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part. If you're not in good
health, and we can pre screen all

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of that, then I roll over
into my other favorite, which is the

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equity index annuity. But I'd like
to start with a tax free income.

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It's crazy fabulous how much these products
make, and they're usually what I've found

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in three decades is they're usually a
few percent higher than the inflation. Right

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there. They're topping off, you
know, at higher interest rates. Why

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because insurance companies have billions of dollars
and they invest in twenty thirty year options.

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So we're getting the cream off the
top with a lot of safety.

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Because every hundred dollars you have with
an insurance company, Garry, they have

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one hundred and twenty five to one
hundred and thirty five to year one hundred.

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We're your bank. Every hundred dollars
you have in your bank is anywhere

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from a few dollars right in reserve. So that's why the banks are the

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first to shake, and we are
in economical shifts, right. It's changing.

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It's going to be changing fast.
Honestly, most people aren't paying attention.

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You know, there's a lot going
on, and they're pushing the digital

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currency and all of the things that
are going on. A lot of people

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are going to go off a cliff. Unfortunately, got to pay attention and

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learn about these things. Okay,
so what what pretel. It's just a

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question of an annuity here if you
have good health. So I thought the

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older you got, the more insurance
cost. No, there's no cost to

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this insurance. So it's an annuity. Is like a savings account with an

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insurance company. And the ones that
I own and use are low fees.

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So when I started three decades ago
and I lost money in the market,

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I wasn't really fond of that experience. I started funding annuities equity in X

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annuities thirty years ago and I've been
through a few crashes and I had never

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lost a dime. So these are
really cool products because I have the flour.

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So if it goes up two percent, you get two percent, it

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goes down to percent, nothing happens, so you're only catching the upside.

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So when I set mine up,
I set mine up in it like streams

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of income. I thought, okay, sixty two, sixty five, sixty

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seven, and I have a number
of annuities, right, we're going to

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kick off. Well, I got
to sixty two and I was like,

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man, I'm in I feel like
thirty. So I just shined it on

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and that just means I'm going to
get more income down the road. Just

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like your Social Security, if you
wait till your seventy you're going to get

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thirty percent more than your full retirement
age. So there's some really cool things

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if you could know how to take
these piles of money, get them safe,

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and set up streams of income.
And I'll tell you Carrott worked really

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well in the pandemic because you know
a lot of businesses. I'm a national

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speaker. I go out all over
the country speaking. In that crash,

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there was no events, so I
needed some marketing money because everything was switching

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digital. And I just reached into
my annuity, got a ten percent free

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withdraw, dumped it in my marketing
and kept my business alive and well,

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so there's some very creative things impressive
and yeah, so there's low fees from

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this, I take it. What
are the fees involved? What is the

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insurance company charge you, because they're
not it in for free, right right?

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Well, the fees, there's no
sales charges. So say you have

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some money that's in the stock market, casino that you want to get safe,

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want to create some income for your
fabulous future. You can roll that

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over into an annuity. There's no
sales charges. Okay, I get a

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commission, one commission, one time
from the insurance company, not from your

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money, and I'm with my clients
for life, not require just you know,

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feels good to check on him every
year. Once a year. We

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check in it. So it's a
low maintenance. We're not having to watch

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the market all the time. These
are indexes, so we could allocate,

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you know, into the S ANDP
or the global or whatever we want inside

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of the annuity. Because the annuity
buys these indexes. The price of it

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is all built inside of it.
So when I do a financial fitness strategy

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session when people here, I ask
you age your health and wealth and all

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of that, and then I'll get
an illustration hop on a zoom with you

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give you your own class, email
it to you with all the extra information

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so you can ask me good questions. It's that's just how I practice and

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it's done very well for a lot
of people. Okay, yeah, yeah,

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sounds sounds intriguing. So how do
we find out more about this?

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How do we connect with you on
the web? Chris, Well, I'm

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everywhere. You know. I have
a podcast called Many nine one one.

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You could hop on my calendar with
meat with Chrismeller dot com. That's k

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r I smeller dot com. Jump
on the waiting list for the Create Income

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You'll Never Outlift course a to just
start. It's called Start Create Income You'll

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Never Outlive dot com and that's a
twelve week program and you can hop on

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that and learn and learn about that. But the best way you can call

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our office nine five one nine two
six four one five eight. We're happy

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to help you all right, excellent. Hey, if you got a question

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for Chris or myself, you can
always shoot me an email k l at

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Karlots dot com and we'd love to
hear for you. In any event.

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Make sure you'll find the link to
Chris's site in the show does to this

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interview on Financial Survival Network dot I'm
just click it take you right there.

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While you're at the site, make
sure you sign up for your free newsletter.

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Chris. Hey, really appreciate you
coming on again and we will definitely

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have you on when your course is
up and running. Like to find out

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more about this, and thank you
so much, Thank you Carrie. It's

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a real pleasure. Appreciate thanks for
listening to carry let's Financial Survival Network your

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solution to today's trying times. For
the latest, go to Financial Survival Network

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00:10:28,559 --> 00:10:33,960
dot com. Financial Survival Network now
more than ever,