Create a $2,000,000 tax-FREE account Self-insure some risks at a lower premium Self-fund purchases without paying interest Take $160,000 a year for life at retirement "Most investors, both institutional and individual, will find that the best way to own common stocks is through an index fund that charges minimal fees.... Paradoxically, when 'dumb' money acknowledges its limitations, it ceases to be dumb." Warren Buffett Smart people realize that they are better off building wealth without Wall Street. They know they can NOW do it themselves-saving $3,000 every year in fees, commissions and loads. Over time, they can add an extra $500,000 to their wealth. Smart people who work for others use a special IRS account I call a "Wealth ReserveTM " that can provide a tax-advantaged income source all their life. This account is their own "lifestyle" security. No matter what happens to their employers' pensions or Social Security, they have an income for life. Income taxes will climb because the size of government obligations will never shrink. Ten years of tax cuts and two wars have to be paid for by someone. Smarties like Buffett pay only 17%.