Overview

FULLY UPDATED for 2026 Tax Laws, etc. Would learning about using Other People's Money (OPM) to add 50% - 100% more income to your retirement be worthwhile? I haven't seen another book that teaches this. And it being TAX-FREE retirement income is even better. TAX-FREE Millionaire teaches TWO unique OPM strategies...which could DOUBLE your spendable retirement income! 1) The PRIVATE RESERVE is one OPM strategy where your assets can earn returns in TWO PLACES at once to maximize the growth of your savings. It does not involve a bank. Real estate BILLIONAIRES use a similar strategy. They use the collateral of one asset to borrow and invest in another asset-owning two growing assets at the same time-with the same initial dollars. You can choose whatever 2nd investment you'd like. NO questions are asked, NO credit checks, NO loan applications, and NO personal guarantees. 2) The CATAPULT strategy (my own code name for it) also uses OPM. Our banks will loan you $3 for every $1 you contribute to your plan. You financed your home to live in the house you desired and deserved-so why not finance your retirement to enjoy the future lifestyle you crave? Unlike real estate loans, you don't have any monthly principal and interest payments. In about 15 years, you pay off the bank from the growth inside your CATAPULT plan-with ZERO taxes due to the I.R.S. Then there will be plenty of cash left inside the plan to provide decades of substantial tax-free distributions. At the center of both strategies are what I call ""TRIPLE ZERO(TM) plans"" (with ZERO contribution/income limits, ZERO stock market risk, and ZERO income taxes), which, by themselves, can transform almost any retirement. You get all three ZEROs-especially ZERO income taxes. How about paying as little as ZERO income taxes during retirement? Wouldn't you rather have more money to spend on YOUR lifestyle rather than sending it to the I.R.S. every year? As of January 2026, the federal debt is over $38 TRILLION, according to usdebtclock.org. What does that mean to you? Each US citizen's share of that debt is over $112,000. But half of Americans don't pay taxes, so each taxpayer's (YOU) share is over $355,000. Every day, those daunting figures increase, and they have done so for years. Hardly a day goes by without a headline about tax proposals to increase tax rates, reduce deductions, change capital gains, step up in basis, and generally soak the rich. With over $38 TRILLION in federal debt and Social Security, Medicare, and Medicaid in dire financial straits, taxes must rise. Don't you agree? Knowing that, do you think YOUR taxes are going to go down, stay about the same, or go up-especially for those with high incomes and/or the ""rich?"" If you believe, as I do, that for everyone except the poor, taxes will go up and/or tax brackets will get skinnier (meaning your marginal tax rates go higher... quicker)... ...what is your plan to protect yourself and your family from the IRS? You know about ROTHs and ROTH conversions (fully discussed in my Get Me to ZERO book). But they alone typically won't provide all the tax-free income most successful people desire. Whether you are a millionaire already or not, want to retire early, or retire with a lifestyle others can only envy-TRIPLE ZERO(TM) plans alone-or with either add-on OPM strategy can genuinely transform your financial life TODAY and during your retirement. FULLY UPDATED for 2026 tax laws [IUL, life insurance, index universal life, tax-free income]

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