Edita & Araik The Money Mentors

Edita & Araik The Money Mentors Helping average & ordinary Americans do extraordinary things!

07/17/2026

Write off $3M total into a Cash Balance Plan

06/26/2026

You got real friends? Or just drinking buddies who are there for the good times but not there when you need them nost?

06/26/2026

A term agent told my client his IUL was "guaranteed to lapse." He even had a chart to prove it.

(Whole life agents, you're on the hook for this too.)

He was half right. The cost of insurance does rise as you age... that part's real, and most agents conveniently stop reading right there.

Here's what he never learned: the insurance company only charges you to cover the GAP, the space between what your family gets paid and what you've already saved inside the policy.

Let's measure this gap in "units."

In a level design, that gap shrinks every year. So yes, the price per unit goes up… but there are almost no units left to charge it on.

The cost doesn't explode. It drops to almost nothing.

The scary chart he waved around? That's the increasing design... where the gap never closes.

It's one of two ways to build the policy, and he conveniently forgot to mention the other one.

So the next time someone tells you your policy is "guaranteed to fail," ask them one question: which design am I looking at?

If they can't answer that, they're not the expert in the room, you are.

Comment GAP below and I'll send you the exact two-page breakdown I used here, so you've got the math in your hand the next time an agent tries the scare. 👇

06/24/2026

Permanent vs. Term? Which is better?

In my case, I prefer to have both. As a matter of fact, between my wife and I, we have 8 policies. A couple terms, a couple IULs, each policy serving a distinct purpose.

Buying term & investing the difference (BTID) is an age-old philosophy that was introduced when Whole Life insurance was the cream of the crop when it came to life insurance.

With the introduction of IULs and VULs.. the "BTID" crowd still believes that strategy is superior, regardless if its compared to WL or UL. They fail to recognize the following:

1) Term insurance, when renewed, prices increase astronomically.

2) 9 out of 10 ppl, never invest the difference.

The BTID group believes they can earn superior returns with traditional investments and they will "self-insure" in the future.

Both are wishful thinking and may be true, however... comparing an asset based on a "average rate of return" basis is like comparing cars based on top speed only.

In any case, I believe term has its place and so do cash value policies.

Consider both and their advantages and disadvantages.

05/27/2026

Of course they want you to put money in your 401K... why wouldn't they?

04/11/2026

5 month check-in!!

04/08/2026

6-day water fast was intense & enlightening.

03/28/2026

It all starts with financial literacy...

Increase your cash flow without trading more time for money & invest that money into cash flowing assets, further increasing your cash flow!

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