...Most of us are overpaying for insurance, investments, taxes, etc ...We "waste" our $3,000 tax refund each year. ...We could be building assets to insure our "lifestyle." ...We could use an IRS 408 trust for tax-FREE income. ...Each $3,000 invested is worth $100,000 eventually Most of us waste our largest savings amount: our tax refund, average $3,022 a year. Most of us waste more than $3,000 every year on financial products and services. If we invested that $3,000 a year, we could have all the assets we need to protect our families and futures using a tax-FREE trust. Every year that we overpay for services costs us $100,000 eventually. Our wasted money could be compounding at the highest rates for long-term growth. And most of us do NOT use an account that makes our earnings and withdrawals tax-FREE. For example, if our retirement funds earn 11% but the hidden fees and charges take 3%, we are going to end up with $780,000 not $1,900,000 by retirement. Adjusted for inflation, that means an income of about $1,466 a month instead of $3,333 a month. Plus, if we don't use a tax-FREE account, our pension income will be taxed at 25% or more. And don't think a company-paid pension or Social Security will save you TowersWatson found pension underfunding is rampant. Social Security will exhaust its funds in about 2033. We know that income taxes will continue to climb to pay off two wars and two tax cuts. My conclusion is that we need to develop our own "lifestyle insurance"-a growing asset fund we can't outlive and that is not dependent on the government or employers. I will help you stop the bleeding with specific steps to save."