201 savings ideas for 2012 Save $3,000 every year Accumulate $2,000,000 tax-FREE Millionaires never buy retail-Stop wasting your money Unfortunately, our schools do not teach us how to buy the financial services we need, DIRECTLY. As the financial services industry changes to make products more accessible, most of us are missing out on ways to accumulate $2,000,000 tax free. I was in the business for many years and witnessed many changes that could help most people save $3,000 every year to build tax-free wealth. The industry doesn't educate people about the changes so most people keep wasting money every year. People just don't know how to shop for the financial services they need. Until now The fact is you can save on all your insurance, banking, mutual funds, securities, mortgage, major purchases, college funds, and retirement needs. I will show you how to save $3,000 or more so that you can build wealth by yourself. You can save $3,000 every year in fees, commissions and loads you are now wasting. Over time, you can create a tax-FREE account of $2,000,000 just by redirecting the savings you find by buying ONLY what you need and cutting out the middle persons in financial transactions. You can take advantage of a special IRS account. It can provide a tax-FREE income source all your life. As your account grows tax-FREE, you can borrow from it to make large purchases. You pay cash instead of paying interest to a bank. You save thousands of dollars on large purchases.