1. Multi-Million Dollar Choices TM

2. A one-time choice that will increase your Point of Choice assets by multi-millions. Multi-Million Dollar Choices TM R = Recurring E = Expenses R = Right S = Save V = Vehicle I = Invest you choose to AND in the RESIRVRESIRV

3. Multi-Million Dollar Choices TM Daily Weekly Monthly Quarterly Annually 464,777 Saves $1 986 4,765 14,948 65,917 $ 110 One Time At age 65 20 Years Old 697,166 1,479 7,148 22,376 98,876 $ 165 50% Tax Match 1,394,332 2,958 14,296 44,752 197,752 $ 330 100% Employer Match 2,440,081 5,177 25,018 78,316 346,066 $ 578 Salary Index Match 464,777697,1661,394,3322,440,081 $1 $1 $1 Million Dollar Choice 20 Year Old Investor 65 Year Old Retiree $1.49$1.49$1.00$1.00$.50$.50$.28$.28 Daily Investment to have $1,000,000 by age 65 Multi-Million Dollar Choices TM

4. Who wants to be a Millionaire? AgeMonthly 10 $ 4.26 20 $ 12.81 30 $ 38.84 40 $ 121.45 50 $ 421.01 60 $ 2,407.36 Assumptions: Federal/State Tax – 33% Employer Match – 100% Salary Index Match – 75% Investment Yield – 11% Assumptions: Federal/State Tax – 33% Employer Match – 100% Salary Index Match – 75% Investment Yield – 11% Multi-Million Dollar Choices TM Dai ly $. 14 $.41 $ 1.26 $ 3.94 $ 13.72 $ 78.69 Who Can Make a Million Dollar Decision Today?

5. Foodwww.ers.usda.gov.www.ers.usda.gov. MMDollar Choices

6.  Cost of Food  $40 = Average per person per week  $160 = Average per person per month  $1,000 = Family of 4 kids and 2 parents Food$1,000$1,000 $1,000$1,000 MMDollar Choices

7.  30 Day Meal Plan  Menus that: 1. Kids will eat 2. Easy to prepare 3. Nutritious 4. Inexpensive 5. Can easily be stored 6. Purchased in bulk 7. Purchased on sale  50% reduction in food expense Food$1,000$1,000 25%25% $250$250$750$750 MMDollar Choices

8.  Million Dollar Choice Multipliers  20 Year Old – POC at 65  RESIRV Match Food$250$250 RESIRV Match $5,417,250$5,417,250 MMDollar Choices

9.  Million Dollar Choice Multipliers  35 Year Old  RESIRV Match  Tax Match = 50% More Food Tax Match $8,125,875$8,125,875 $5,417,250$5,417,250 MMDollar Choices

10.  Million Dollar Choice Multipliers  35 Year Old  RESIRV Match  Tax Match = 50% More  Employer Match = 100% More Food Employer Match $16,251,750$16,251,750 $8,125,875$8,125,875 MMDollar Choices

11.  Million Dollar Choice Multipliers  35 Year Old  RESIRV Match  Tax Match = 50% More  Employer Match = 100% More  Salary Index Match = 75% More Food$28,440,563$28,440,563 Salary Index Match $16,251,750$16,251,750 MMDollar Choices

12. Food  Aldi Grocery Stores  40% reduction in food expense  www.clarkhoward.com MMDollar Choices

13. Food 1. Food  www.utahcityguide.com/new/guru  www.mygrocerydeals.com MMDollar Choices

14. Food 1. Food MMDollar Choices

15. Automobiles 1. Food  Multi-Million Dollar Choice  Purchase:  Used  For Value  Drive for 10 years  $300 per Month Savings What is Purchasing for Value? MMDollar Choices

16. Multi-Million Dollar Choices TMAutomobiles 1. Food

17. Automobiles What is Quality? MMDollar Choices

18. Automobiles 1. Food MMDollar Choices

19. Automobiles 1. Food MMDollar Choices

20. Automobiles 1. Food Who Was #1 MMDollar Choices

21. Automobiles 1. Food 2. Automobiles www.edmunds.com MMDollar Choices 5 Year True Cost to Own There are eight components of TCO ® : 1.depreciation 2.interest on financing 3.taxes and fees 4.insurance premiums 5.fuel 6.maintenance 7.repairs 8.federal tax credit that may be available

22. Automobiles 1. Food 2. Automobiles MMDollar Choices

23. Home Purchasing Formula  Monthly Income – Primary Breadwinners  Less 10% for Tithing  Subtract Monthly Debt Payments  Multiply net monthly income by 35%  Do a Fixed Rate – 30 Year Loan 1. Food 2. Automobiles 3. Housing MMDollar Choices Housing

24. The Wealth of Great Health 1. Food 2. Automobiles 3. Housing  Average family medical premium $1,100 per month  Harvard Medical School  Avoid 75% of all medical expenses:  Get regular medical examinations  Establish their risk profile  Take reasonable steps to minimize their health risks MMDollar Choices

25. The Wealth of Great Health 1. Food 2. Automobiles 3. Housing  www.medgle.com  www.drugdigest.org  www.hsacenter.com MMDollar Choices

26. The Wealth of Great Health 1. Food 2. Automobiles 3. Housing 4. Health MMDollar Choices

27. Insurance 1. Food 2. Automobiles 3. Housing 4. Health  Life Insurance  Convert cash value to term  Drop ‘limited policies’  Accidental death and dismemberment  Credit Life  Credit Disability  Travel  Health & Life  Prepare for examination  Homeowners and Auto MMDollar Choices

28. Insurance 1. Food 2. Automobiles 3. Housing 4. Health 5. Insurance  www.term4life.com  www.consumerreports.org/cro/money/insurance MMDollar Choices

29. Debt Payments 1. Food 2. Automobiles 3. Housing 4. Health 5. Insurance 6. Debt Payments  Penalty fees on loans and credit cards  Mortgage redemption  www.consumersunion.org  www.bankrate.com MMDollar Choices

30. Expense Tracking 1. Food 2. Automobiles 3. Housing 4. Health 5. Insurance 6. Debt Payments 7. Expense Tracking  www.mint.com MMDollar Choices

31. Tax Refund 1. Food 2. Automobiles 3. Housing 4. Health 5. Insurance 6. Debt Payments 7. Expense Tracking 8. Tax Refund  IRS Withholding Calculator  www.irs.gov  Personal Taxes  www.finance.cch.com  www.taxsites.com  Business Taxes  www.inc.com  www.smbiz.com MMDollar Choices

32. Teen Work Opportunities 1. Food 2. Automobiles 3. Housing 4. Health 5. Insurance 6. Debt Payments 7. Expense Tracking 8. Tax Refund 9. Teen Work  www.sba.gov/teens/ MMDollar Choices

33. Teen Education Opportunities 1. Food 2. Automobiles 3. Housing 4. Health 5. Insurance 6. Debt Payments 7. Expense Tracking 8. Tax Refund 9. Teen Work 10. Teen Education  www.utahmentor.org/FinAid MMDollar Choices