Balancing the Masculine and Feminine

In this podcast episode, guest Kris Miller, a seasoned advisor with over three decades of experience and author of “Ready for REtirement,” shares her insights on wealth investment strategies and retirement preparation. 

Kris emphasizes the importance of starting early with Indexed Universal Life (IUL) policies and using Equity Index Annuities for older individuals. She advocates for ongoing financial literacy and overcoming procrastination to achieve financial security. 

Kris explains the benefits of tax-free and tax-deferred investments, such as Indexed Universal Life insurance, and the necessity of having a rainy-day fund. The discussion also discusses the American Dream, the dollar’s declining value, and global economic shifts. Kris introduces her financial literacy program, “Create Income You’ll Never Outlive,” and encourages proactive steps toward financial independence.

 

Highlights

{04:30} Retirement savings

{10:20} Central Digital Currency (CBDC)

{14:30} Investment Strategies for Different Ages

{20:00} Life Insurance as an Investment Tool

{28:40} American Dream and Financial Freedom

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Kris Miller Bio:

Kris Miller, a retirement and living trust expert, has advised over 5,000 families in the past 20 years on retirement and estate planning issues. She coined the phrase, “pretirement” to emphasize how we need to prepare for our Golden Years before retiring. Her new book, Ready For REtirement, 3 Secrets for Safe Money and a Fabulous Future (Morgan James, September 2012) is a comprehensive guide to help anyone at any age to plan for retirement. In addition to her estate planning practice, Miller owns Trust Unlimited and the Living Trust Institute, a document preparation service for creating revocable living trusts. Miller has conducted numerous workshops to educate people and organizations about wise money management for their senior years, how to provide income for retirees, how to avoid probate, reduce taxes, secure the proper insurance, avoid asset seizure to pay medical debts, and how to create a Living Trust. 

 

Connect with Kris: 

https://createincome.healthymoneyhappylife.com 

https://healthymoneyhappylife.com 

https://www.amazon.com/stores/author/B009F12364/about 

Cosmos

Welcome back to the show, my fellow extraordinary Americans. Today’s guest is Kris Miller. Kris is a legacy wealth strategist, C-Suite executive leader, and #1 best-selling author and Speaker—a leading expert in safe Money Strategies. 

With her extensive knowledge and experience, Kris Miller has been a beacon of hope for over 6000 families and businesses, helping them avoid financial disasters through strategic planning. Over the last 33 years, none of our clients has lost a dime in any market risk. 

Kris’s extensive knowledge and experience in safe money strategies instill confidence in her clients and ensure their financial security. Kris has personally generated $1,000,000 in her own business, Trust Unlimited, and was nominated for Women of the Year by the Hemet Chamber of Commerce. 

She’s the number one best-selling author of Ready for Retirement: 3 Secrets or Save Money. The Fabulous Future is a guide to financial freedom, second chances, and creating income you’ll never see. 

Kris has been a featured guest on hundreds of radio and TV shows and has spoken on stages nationwide. Her podcast, Money 9/11, is a testament to her expertise, consistently ranking in the top 1%. She’s also a songwriter in the Grammy-nominated songs that you may have heard on the radio, and in a previous life, she walked barefoot across America. 

She’s an extraordinary American, and I’m glad and honored to have her on this show. Kris, are you there? 

Kris

I am. Thank you for having me.

Cosmos

Kris, thank you so much for taking the time to be on the show. I’m truly honored to have you here. Your expertise and experiences are invaluable to our audience. Could you tell me the audience a little bit more about yourself, your background, and how you got started?

Kris

Absolutely. Well, I was, apparently, Gloria. I still am a paralegal. And it was right in the 9192. I was working with an attorney, and we had this little widow come in, and all she had was a car, a house, and no money. 

He then wanted to charge her $5000 for a living trust. Without a trust, you end up in probate, in the courts, and the attorneys take lots of money out of the estate instead of going to your family. I looked at this attorney, and she was out of the room, and I just said, hey, could you give her a deal? She didn’t have any money. 

And he said no, and that kicked me back. That made me look like OK. This experience was a turning point for me, which led me to dedicate my career to helping people like her. It’s been a journey of learning, growth, and, most importantly, making a difference in people’s lives. I’ve dedicated my life to this work, and I hope it inspires others to find their passion and make a difference. 

And I left out of there and decided, you know, I’m going to make it easy for people to get living trust. And that was my momentum. I wanted to make it affordable. He was charging 5000 in 1992. I was charging $199 for a $5000 trust. Broke the mark. I broke it so well that it was hard to raise my price for a long time, but after three decades of doing this, I started seeing patterns. It’s not like I was so smart. But you know, I’ve coached over 6000 people and businesses, and there was a pattern, and it was like, will you retire? 

It’s like a roulette wheel. Will the market be up or down when you retire? People missed three things in their planning, and I don’t care how great they are as planners; it’s shocking how pretty much everybody misses something. It protects assets from catastrophic illness and long-term care in the Great Recession.

So, as a result, I’ve developed programs to make this money conversation healthy and happy and not so scary because it’s overwhelming. Why go to school? You learn how to make money; you get out of school when you do, make money, and give it to somebody else. The game. Table. Then the people came into my office, and they started, and this is what got me right. God was. This is what got me. They’d be coming to my office, and then they start their retirement plan at 50/60/70, right? Something was wrong here, and that’s what got me to, you know, get going. Be able to teach people about healthy money.

Cosmos

Kris, one of the reasons I wanted to interview you in this podcast is that what you’ve taught and what you’re working with are so relevant to today’s world, right?

So, you had the 1950s, you could have a middle-class job, save money, and retire properly. However, the most important issue is that inflation and debt eat away at purchasing power, and many people need job security.

 There is no actual plan for retirement because, by the time you see you go to a savings account, you have lost a lot of that purchasing power. Like many people, you realize you must return to work. 

So, my next question would be, at what age should people start their retirement strategies, and what should they do differently today?

Kris

Well, I’d start now. I don’t care what age you are. My daddy started me when I was young and inspired me to save money. So that’s why I’m a money saver and know how to protect assets. I started young, where, you know, you teach your children, give them a dollar, and match it right. 

I found out things when I was in my 50s that I wish I had known at, you know, 20-40 years old, right? One of them you can do, even if you don’t have much money, is index universal life. It’s investable life insurance. 

So, #1. It’s built on a life insurance chassis. Most people think of life insurance as a death benefit, but it’s actually a living benefit, so you can live off the death benefits while alive. 

Let me give you an example. I had a client. He was 38. He didn’t have a humongous amount of money, but he could afford $500 a month. Now he put that in, and at retirement, he was set to get anywhere from 80 to $100,000 tax-free for life. Now think about that: 100,000 will be worth more because you’re not paying 40 fifty 60% in taxes, and it is amazing what this kind of performance the IUL can do for people depending on your age and health—the power of tax deferral. 

You’re not getting a 1099 every month. You’re losing your principal going like this once you get to the end. It’s solid. If the market goes up to you get 2, the market goes down, and nothing happens. 

So, you’re only catching the upside. Everything. And then, when you get to your third and fourth quarter, guess what it is? It also has catastrophic illness and long-term care protection. That’s right, so. 70% of us end up in a nursing home after 65, and that’s something that people are not planning for. 2% of everybody in this country has a plan, and the costs are anywhere from 5 to $20,000 monthly. For long-term care, it wipes people out. Unfortunately, I don’t know the stats, but it’s something. I’ve seen more people. 

May I just get 70%? A percent of people ends up losing their assets before they pass away, either in a nursing home. Probate not having the right paperwork or the Great Recession is what I’ve seen, and it’s sad. If they had learned about what I talked about, they would have, they would not have that experience.

Cosmos

Kris, many people from Gen. X or the women’s generation relied on Social Security to save for retirement and pension plans. But what is your opinion on that, and is it realistic in today’s world?

Kris

Well, many pension plans are going away. They’re very volatile. If you have a 401K, they’re OK; if they match you, that’s free money. OK. But then, if you know they give you 4%, you put 4% in. But if you’re putting 10, I would take the other six. And start an ill. Start something that you know. That money gets big if you have 30-40 years of tax deferral. You know, it gets into the millions of payouts you would get. But think about it. Where is your 401K or your IRA invested risk? It’s in the stock market, and I’ll tell you we are headed for some bumpy times. I mean, it’s like it could be bumpier. This is just the beginning. I’m an optimist, but I also study money. I also see half the planet is getting off the dollar, the bricks, right? 

They’re getting off. They’re buying gold. Half the plan is buying gold. You know, gold is a great hedge for 5000 years, right? Of for money. But the point is that it’s shaky. You can’t keep printing money, right? And we’re in. $35 trillion debt that we have a trillion dollars in every 100 days of interest we’re paying on the debt. How long do you think this? Is it going to go on? And with the volatility of what’s happening on the planet, it’s set to crash, and it’s not like 2008. The powers that be are moving things into a very 911 state. That’s why my podcast is called Money 911. I think people have to wake up, pay attention, and learn about safe money so that they can be protected and be able to earn. Through this, we will have the bumpy weather and start to have.

Cosmos

I’ve been studying this as well, and I’m sure you’re aware of this, but for the audience’s sake, what do you think will happen soon? Right now, everything is in an inflationary bubble, right? But there will be a crash, and then they’ll keep printing money.

 Eventually, there will be hyperinflation or big inflation, but from your perspective, how will the economy go in the next five years, and how can people protect themselves and their assets individually?

Kris

Well, I agree with you. I do feel the whole thing is going to reset. I think that they’re trying to drive that this is all intentional. They’re trying to drive everything into a CBDC. They’re going to get rid of pay. And it’s going to be so bad. This is the only thing we can do to save the economy, right? It’s just all.

Cosmos

are you talking about central digital currency?

Kris

Right. That’s what they’re pushing. They’re going to push because the dollar’s value is going down, inflation is going up, and wages aren’t going anywhere, right? So, all of those things are there. There are two strains of thought of deflation or inflation, but it will also be known as the lost deck.

Day 2. And so, what you want to be aware of, especially if your audience is, you know, you said they were in their 20s and 40s, is what I’m talking about, the IUL. You could fund those now; they’re health-driven, and there are other things that I can show you, you know, in a financial fitness strategy. I need to be healthy, and basically, I have. I have gold and silver in all my assets and equity index annuities, but I never lost a dime in the Great Depression. 

Still, for younger people, I go for the tax-free income, which is fabulous because not only do you get the tax-free income—your life, but you’re also going to get Cash, and it builds cash. Many real estate agents use it like a bank, taking the cash out. 

They flip a house, put it back, pay it back, and then income. You can set up income at whatever age you want. You don’t have to wait till your 60s to retire. There are some creative things. I’ve learned and been blessed to learn over these decades, and really, I own what I sell. I’m not in the stock market. Not. At all. I owe what I sell, and I’m not throwing darts at things. But look, I’ve been doing this for three decades. I’ve done well, and now I’m sharing everything I have. I have a financial literacy program called Create Income. You’ll always live. And. And I have many levels on which people can connect with me. But there’s education there because people need to understand about their money, and that’s what I like to share.

Cosmos

No, I would. I would advise anybody listening to this to look at your program. What is the name of that program again?

Kris

It’s called “Start to create income. You’ll never outlive.” You can hop on a call with me because, you know, not everybody can get in. 

So, it’s you go to startcreateincome.com. And you can check that out. It’s a three-month program, and it’s got like 50 videos. It’s purely educational; there’s much mindset in there. There’s much mindset around money and many explanations, deep dives into what I’m talking about and where we set you up. You know, set your living trust up. Set all your protections up catastrophic. Illness, and in these three months, it’s exciting, and that’s like a deep dive, which is great for your listeners. You can go to startcreateincome.com or hop on my calendar at the meet or meet with Kris Miller.com.

Cosmos

Kris, I will ask you this again at the end of the interview so people can get this again. But I did have another question, another set of questions to ask, especially around this condo; I know that you have advised 6000 families and businesses on basically wealth investment strategies their thing. 

So, my question is, what is the top strategy you would advise them of? How would people listening to this go about understanding that?

Kris

OK, well. Number one, it will depend on your age and your health, so if you’re, you know, in your order, you know, the late 40s up, I would recommend equity index annuities, and they accumulate right now at the time of this recording, at 10 to 15%, or you can just grow. Your money at that rate can also create an income you’ll always have. And I’ve had these for decades 3. Decades, and I set it up so I could have income, and I set one up 62/65, right? When I got to 62, I didn’t need the money.

So, I just push it forward, and I get more income. It’s like a stairway of income. It’s fabulous. And then, during the pandemic, I didn’t have many caps, but everything just closed, right? So, I reached into my accumulation annuity, took a 10% free withdrawal, rebuilt my digital business, and succeeded in the pandemic.

So, I have two kinds of annuities for people in their late 40s and up. And they are always a few percent above inflation. And then you guys who are younger, like 20 to 40s—I mean, I did an annuity in my late to mid-’60s. You just have to put more money in there. OK. 

So, the point is it depends on your age and health. I do that in the Financial Fitness strategy: I see your suitability. But for younger ages, if you could start the equity at that, sorry, the full right index universal life. That’s life insurance. It’s a tax-free income. That’s my favorite right now.

Even in Armageddon, where there’s no interest, they have a floor of 2%. I mean, can you find that at your bank? Right. So, if we had no interest rates, everything would be minus, which is not that likely. I mean, we’ve only had three years of 0 interest rates. They currently pay their minimum of 3, but their floor is 2.

You can make money even when interest rates are low in the economy. This has many benefits, but there’s a floor where you always keep your principal.

Cosmos

Kris.

So, Kris, one question that many in the audience would have been, how do I invest and beat inflation simultaneously? Right now, especially in 2022, there is this year of inflation. In the years before that, it is predicted that inflation will just get worse and worse over time because that’s all the banks are doing well. 

So, from your and the audience’s perspectives, I think beating inflation will be the number one factor in today’s world.

Kris

Right. And that’s where you want to keep the dollar’s value, right? So, you have a dollar, and #1, you want to get all the tax off it? Right. And you get into that place where you always keep your principal. 2; your money’s either tax-free or tax-deferred. Look, I live in, you know, Communist California, and you know, serious. I was born here, right? It’s not the same state I was born in, and their taxes are crazy, right? Well, if you’re paying.

Cosmos

I was. I was going to ask you off-record. You’re not. You’re a businessperson, and you live in California. How do you do that?

Kris

Well, I’ve been. I’ve had a business for 30-4 years here. So that’s my business. And I was born here. And how do I do it? God bless me. I’m doing it. I’m doing well. And I’ve learned how to mitigate the taxes. 

So, all my investments will be tax-deferred as they start. Or tax-free as they pay. I’m taking it over time. I started annuities 30 years ago, saying maybe it was a 10-year annuity, and I made all this money. Instead of, you know, taking all the money out, I just rolled it over into another annuity, and I still need to. 

I haven’t paid any taxes on that growth for 30 years now. I’m taking a fair payout. My contribution back into the system is so wild right now. I’m, you know, not in agreement. With what’s happened to America since that’s you. But the foundation of contributing and doing your fair share well. My fair share is to get as much tax off as possible, not to lose my principal. So, I use tax-free or tax-deferred investments, and that’s how I get around all those nasty taxes.

Cosmos

No, I mean, that’s amazing. You’re sharing so much information. I appreciate that because most people would not be thinking in terms like this, like how they would not be getting this advice in many places. One of the things that I wanted to get back to be the concept of life insurance that you mentioned earlier. 

So, you said getting money back at a good rate using life insurance is possible. But can you explain that concept, especially regarding life insurance, for the audience’s sake? I’m sure many people don’t understand that altogether, you.

Kris

Well, there are different kinds of life insurance. You know, term life insurance, where you don’t pay much money, is usually for a mortgage if one of the spouses passes away. Pay for your kids. The whole life was like things everybody was getting into for income, but now they have a hybrid called index universal life. So, the insurance company buys 20-30-year options, and I only use eight companies. 

So, every $100. They have an insurance company. They have 100 and 3500 between 100 and 125 or 35 in reserve and must keep cash somewhere. So, if you want to cash out that policy, they got to give it to you on the right. So, and then the other thing is that they’re conglomerates. I mean, they have, they’re insured, and then, you know, other insurance companies’ insurance. So, they’re very safe, right? And then the interest rates are, like I said, always a few percent above inflation. And because the money comes out tax-free. The value of it is amazing. 

So, they blow up the death benefit because it’s not so much about it; it’s called the accelerated death benefit. Meaning you can take the money out of the death benefit for life. And you can customize it. Say you know you can; I can only put in $500 a month for a few. But you see, you’ll be making more money, so you can customize this by starting with so much and adding more later. Later, you can throw in your 401K or IRA when you retire. The death benefit can pay the taxes. There’s much creative planning you can do in there. They’re fabulous things. Great for kids, for college, with very little money, and then create something that they pay back, and then they have tax-free income and get taught about safe money and because. 

Unfortunately, you guys will have a harder time than I am. Growing up, it’s going to be tough to get a house to its, you know, and it’s being done on purpose to force you into the city life and, you know, downsize and all the things that are being pushed on to people. But you don’t have to live that way if you understand the safe money. Strategies, and there’s a learning curve around it. You have to take the time out to learn. I was blessed. I was speaking to the US government Financial Officers Association at an event in Washington, DC, right? And these are the guys that handle the billions and trillions there. Of money here. 

I was giving a workshop, and I said so. How many of you are ready for retirement? It was crickets like 2% of the room, and these are all like government, right? And I thought it was being cute. And I just said, oh, you’re the government, right? Like you’re supposed you’re supposed to be prepared. The director looked at me coldly, folded his arms, and said, “We’re busy caring for other people’s money.” I was like, yeah, that makes sense. OK. 

And then it clicked on me. That’s why we’re busy. We’re raising kids, attending school, and building our business, right? And then one minute, you’re going to look up, and you’re going to be 50-60 and seventy. It’s wild how fast it goes. Blows my mind. I am not my age. But it’s wild. So that’s why you want to take the time out to take. Well, he called it retirement planning. A day means taking out a few hours on Sunday and learning about, you know, reading my book or learning about safe money. Learn about the protection of assets. Watch some of my videos on my YouTube channel. Money 911, you know, learn about safe money.

Cosmos

So, Kris, one of the things I wanted to ask for the sake of America and our audience is that a large percentage of the population lives paycheck to paycheck, right? And they’re making an income but less focused on the future beyond a one-year or a two-year standpoint, right? They’re in their 30s or 40s and must consider the future. 

So, from your perspective, how should they strategize their life based on what they have, like a job? And they’re making a paycheck and then saving enough to basically. Created investments and got a retirement plan like that in today’s world. From your point of view, it is because they don’t think much about it. The future, you know.

Kris

Right. And that’s what I was saying. You know, you go to school, learn how to make money, get out of school, and make money. Nobody’s taught about money. And then suddenly, everybody, this got me all these thousands of people coming to my office. We’re starting the retirement plan at 50/60 and 70 after they retire. People at 90, it’s wild. You have to start saying you need to. 

At least, I used to say six months of rainy-day money. Now I know it’s more like you need a year. You know what? If there’s another lockout, you must have rainy-day money, period. Then, once you have that rainy-day money, you need to keep saving and learn about what I’m talking about. Learn about the place where you can stash money away. That’s going to come out tax-free. That’s what we do, as well as financial fitness strategy sessions.

You become financially fit and won’t have to worry and fear what will happen.

Cosmos

So, Kris, from your perspective, having advised more than 6,000 families and businesses, what is the biggest challenge that people or families face when successfully implementing the strategies? Is it a lack of education, or is it more of a set in our ways and the old versus the new, where it’s like tradition? What has society taught versus these new, innovative ways now coming out on all of this?

Kris

The biggest thing is procrastination. And look, I’ve got files and piles of people that want to talk to me. They need a living trust. They need to protect their assets from long-term care. They want tax-free income. Oh, they’re so excited, right? They see me speaking, and I’m a national speaker, and I’m going all over speaking, and they’re excited. And then they don’t. 

So, after the appointment, I had to call him ten times. Right, because they’re busy and they need to be on the right priorities. They put that part of saving money as a forget-it. They don’t even take any time for it. 

So, procrastination is what I see as one of the hugest problems, and procrastination takes time out of your life. To pay attention, look at your numbers. I mean, it shocked me that people came to my office. I go. Where’s your IRA? Where’s your 401K? They go, oh. And they name some big companies. I go. No. Where is it? What’s it invested in? And they don’t know. Oh, they don’t know. And then they’re embarrassed that they don’t know. And if there’s no judgment, it’s not your fault. Nobody taught you right. 

So, it’s not your fault. But now it’s your fault because there are, you know, causes. Well, now it’s like you must get it in gear. That’s why I’m talking about it, right? And then I want to stimulate and wake people up to get moving because that time is. Sure. I had a lot longer in my generation, right? I’m a boomer, OK? It’s a lot different for you guys. You’re going to have a different advantage than we have. I mean, in a deflationary or, you know, a flat economy, that isn’t going to, it’s just going to kind of go like that. That’s what many people think, right? 

They think inflation will be in this little Cap things like this, which would be ten years. Like we went through in the 70s, it’s not good. Well, what are you going to do? You’ve got to learn creative planning, and you can prosper even if the whole thing falls apart if you learn this strategy.

Cosmos

So, Kris, in a national context, America has always been about freedom, right? And that’s been our national identity. 

However, regarding the financial front and what we’ve discussed so far, most people are not financially free, and they’re looking at the disaster in terms of their retirement plan altogether. Because of the rampant inflation and the possible market crash that will happen shortly, which happened in 2008, it will happen again.

So, from your perspective, are we truly living a life of freedom, or is that just an illusion? And we need to start working towards becoming free, starting with our finances.

Kris

Well, there are many levels inside of that question because, first, freedom is on the inside. OK, so you could be locked up in prison. And be free. By, you know, having faith in God and having your insides connected, right? That’s real freedom regarding the country or what’s happening there. It has changed so much in my lifetime that it isn’t free like it was when I grew up. It’s not the same as free America. 

So, freedom and your finances. Having enough rainy-day money is a freedom that takes the burden off your mindset to know you’re covered. Know that your legal documents and guardianships are in your living trust for your minor children. People have kids, and they don’t even, you know, mom and dad go out to dinner and don’t return. Who’s going to take care of the kids? Because when you’re 20/30/40, you know it took me dollars like 50 to realize. Yeah. It might pass away. Right. We’re not going to live forever in this body.

So that’s why you know the freedom is on the inside first, then manifest it out. Well, you’re working with the money. What’s going to give you freedom with the money, knowing that it’s there, that’s going to give you the freedom, knowing that you’re not going to lose it if the thing shifts and crashes, right? And it’s not the same. Crash as 2008. This subtly changes the whole system of things. It’s already started. It starts when you go to the gas station. It started when you go to the store that’s already crashed; it’s already happening, and it’s just brick by brick. It’s being pulled apart. I won’t even get into the political side of it. I’m just saying it is being shaken. 

So, you’re going to have to be your own America inside. And take care of your freedom and pay. And to the safe money strategies, nobody will come and tell you. Nobody will come and rescue you and say, oh, you better not do this right there. He’s being told that they’re just trying to sell you. You know, you have to buy this stock. They’re throwing darts at these companies, and that’s your life. That’s your energy. That’s your money being put at risk. Now, I’m not saying you don’t have. You can have a small percentage if you want to gamble, but realize it’s a gamble. Especially now where we’re at, depending on your age, you can gamble a certain amount but realize it’s a game. And what I’m trying to show you are places that you can go that are tax-free or tax-deferred that can create an income you’ll never outlive.

Cosmos

Yeah, Kris, this conversation is very important because freedom is so important. I think, right now, on the financial front, more and more people across this country are being caught unaware, or there is that sense of urgency not there, like you mentioned before about procrastination. Many people need to have this sense of urgency regarding what’s happening. 

However, the next thing I wanted to ask is: You know we had this concept of the American dream, right? Financial freedom is an important part of people’s realization of the American dream. 

But from your perspective, what is the greatest challenge Americans face that stops them from realizing this?

Kris

The greatest challenge in financial freedom is the value of money. What’s going on with the dollar? It is the fall of the currency. Half the planet is getting off the Petrodollar, right? And buying gold, the bricks. Brazil, Russia, India, and China are all buying gold. They’re creating another standard. They’re trading all you know instead of using the Petrodollar. They’re using their currencies.

Cosmos

Press, could you briefly explain the petrodollar system for the sake of the audience? I know what it is, but most people must be aware before buying.

Kris

Well, it’s a long story. You know it. You can look it up, but when is it? The dollar has been the standard, so when they’re, you know, buying oil and everything, the dollar, even if it was China or Russia, they would use the dollar as the currency.

 However, because of the events, all the other countries are backing off because of what America has done with the dollar. They see the shakiness and don’t want to buy our bonds anymore. We’re buying our bonds because nobody wants to buy them. They’re printing money. They buy their bonds.

Cosmos

I would like to add that Kris, for the audience’s sake, said yes, many countries they take have dollars and trade with America in exchange for dollars to buy oil. From the countries in the Middle East, because of the Petrobras system, because the agreement is they cannot buy oil in anything other than the US dollar, they cannot buy oil in anything other than the US dollar. 

But now, if there’s a deed, there’s a moving away through bricks and all that, and then they’re dumping all those dollars they have in their countries into the United States. And that will lead to massive inflation. 

And I think people need to understand that because if that happens, there is hyperinflation for sure because what’s been keeping the inflation from getting worse so far is because of the Petrodollar system essential.

Kris

Yeah, that’s right. That’s what I was saying exactly. But that has changed. When you have half the plan, they’ve already gotten off the dollar, half the half. That’s a planet. So now these things take a while to manifest, but it’s already in process, that is already in process, and how it’s going to unfold. A few glasses of water are thrown inside of there, right?

Cosmos

How? How long do you think we have left before the petrol system completely dissolves?

Kris

I can’t. I really can’t tell you how many. I think it’s close. We’re in the next few years. Currently, The Petrodollar is OK, but it’s not great anymore. And then I just read something. I am trying to remember the stats. What? How much? I think it’s 20% how the dollar just went down, but it’s not good. You don’t, you? Don’t wait for anything. Please do it now. Pay attention now. I mean, even if I said, well, you got five years, people procrastinate. 

Well, I think I’ll wait until year 4. You know, it’s not. It would be best if you looked at it. It’s happening now. Do something now. Start learning about what I’m talking about now, and look at what you have and where it is. Maybe you don’t have any of this. Depending on your age and health, this is how you can get something. 

So it’s not a one-size-fits-all, right? I don’t get to say that everybody’s got to have an IU L or a new to it. Really. It depends on their age, their health, and their wealth. But there are three things you have to protect yourself from catastrophic illness. It would help if you had that taken care of. Ensure you have the right paperwork and a living trust and protect your assets. Market loss, they’re safe, and you have your rainy-day money.

Cosmos

No. For sure, Kris. it’s so important to have this conversation. I think it should be. It is discussed in every American home because these things will affect everything, right? And so. So, Kris, I wanted to ask about your book. I know you wrote this book about retirement, right? So can you tell us?

Are like ready for retirement. The three secrets for safe money and a fabulous future. Can you tell us a little bit more about the premise of how you wrote this book and what it is? About.

Kris

Well, about year 25 of my business, I looked at what I was doing and said I was unique. I was doing something unique because when I started my business and was losing money, I realized it was like, wait a minute, I am not being told everything here. 

So, I backed off because it was really important for me. The responsibility of having somebody’s assets in the state, and I was, you know, showing them where to put it. I didn’t want to mess up, so I took a year off just to learn about safe money and put all my money into what I’m talking about. So, I never lost a dime, which inspired me to write the book. I saw that what I do is pretty unique. Few people do what I do. Do it the way I do it. I wrote that I was ready for pre-retirement and planned retirement early.

So, your money will be there when you need it, also known as the three secrets for safe money and a fabulous future. So that’s the conversation that I’m always having. And. You know, it’s been out for a while. It’s not a new book, and I. And I’m going to be. I have a new book coming soon with it. More about the tax-free inside of that, the tax-free income. But the point is that I tried to consolidate everything that I’m talking about now except the IU. I didn’t have a lot back then when I wrote that book, and in the back of the book, there are many charts and planner things that I use to help you learn a lot of resources and assets. Now you can write me directly, and I can give you, you know, like two books for one, you know, plus shipping. 

And why? I was hoping you could give it to a friend or one of your kids, pass it around, and help everybody get ready. You got to get ready. So, it is a #1 bestseller, and I’ve been blessed to help many people.

That was a good start, and then I realized I needed to create a course, a program, and then I had my program called Create Income. You’ll never outlive, and you can sign up to talk to me at createincomestartcreateincome.com. There’s a little signup. If you allow me, I can give you the website to hop on a call and get you the book. Or the Financial fitness strategy session. I don’t charge you for that. People think I’m crazy, you know? 

But I just feel like what goes around comes around. So, I have a financial fitness strategy session. We get on the phone. I ask about your age and your healthier wealth. I search for what I’m telling you about. We hop on a Zoom call. I will give you a class I share. This is what it looks like for your age. If you do this and. I send you everything so you can ask me questions and go from there. That’s a financial fitness strategy session, and you can hop on my calendar to meet with Kris Miller.com. It’s Kris Miller, and that gets you on my calendar. Then, I can give you the financial fitness to get your assets in.

Cosmos

So, Kris, is this the only way the audience can connect with you, or is there another way?

Kris

Sure, you can email me at Kris at healthymoneyhappylife.com. That’s my website, and there are lots of it. There are some videos and lots of goodies to check out. Or just call my office—it’s 951- 926-4158. And you can call the office when you set up a time to check.

Cosmos

Kris, this is amazing. And I do hope that my audience reads your book and reaches out to you for financial strategy in session because we need this today. After all, many people need to work on their retirement or what they will do regarding money. For the next 10/20 years, they plan it out differently than that, and in today’s time with the economy. In bad shape, like with the big wrist that is there, this is valuable information, and I appreciate that you took the time to do this podcast and share your invaluable wisdom. And I do hope you come back to this later.

Kris

All right, that sounds good to me. It’s a joy to share with everybody. And, like I said, feel free to connect. I’m happy. To help you.

Cosmos

And I want to conclude this episode by letting my fellow extraordinary Americans know that, hey, look, there’s an extraordinary within every one of us. We must awaken it and unleash it until next time. Bye for now.

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and young girls.

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