With the holiday season quickly approaching many of us are getting serious about securing our gifts and/or are being asked: what do you/your partner/your children want?

It occurs to me that even though this is a pretty typical question (one that most of us don’t give a second thought to) it can speak to a deeper place as well. Gift giving aside, for a moment, what do you actually want? Out of life? For you and your family? And, are those things being reflected in how you spend your time and money?

Particularly this time of year, it is so easy to get swept up in the current of activity, what everyone else is doing, etc. What if – just for the next couple of months – you were intentional about protecting your time and being wise with your money? What would that look like? How would that feel?

Last week, we talked about giving gifts that matter… Without question, one of the greatest gifts you can give is the promise of a bright tomorrow. If you could set your child up to pay for college, put a down-payment on his/her first home, and be comfortable in retirement, all for $100/month, would you do it?

For most of us, the answer is an emphatic yes! If, however, you have gone over your budget and can’t figure out where that money would come from, I would love to help you out! Sign up for a FREE, no-strings-attached call (via my website) and we can talk about what your goals are, what your options look like, and lots of money-saving tips that are often overlooked.

The other option is to provide this as a gift idea to grandparents and other family members. $100/month, split three ways, is less than $400/year (per person or group).

The investment vehicle I’m speaking about, that would provide all these things, has been around for ages. And, has been a well-kept secret of the wealthy for just as long. Specifically, it’s a life insurance product that also acts as a protected, long-term savings vehicle. So many birds, one easy stone.

Here’s an example of what a typical investment might look like…

  • $25/week for 5 years;
  • $35/week for 2 years;
  • $46/week for 8 years… Would equal a $28,800 contribution over the course of 15 years.


Even if you stopped contributing after that, the insurance benefit at 20 years would be more than $250k! And, the child could start to withdraw on the cash value of the policy (TAX-FREE) to help pay for things like college or the down-payment of a house.

Let’s just say the child’s policy started when they were born, money was contributed as laid out above until they were 14. Then, no further contributions were made. The child decided to take out $12,000/year at age 18 to help pay for college (4 years at $12,000 = $48,000), another $25,000 at age 30 for the down-payment of a house, and $100,000 at age 45 for an investment property or vacation home… Due to the time-value of money and the magic of compound interest, all of those things could be true and the child would still have enough money to garner a retirement income of $142,263/year for 24 years (let’s say age 65-89), TAX-FREE. Additionally, at age 89, the death benefit of that policy would be $1,679,396!

Think about that for just a moment… Think about how much easier your life would have been had all those things been available to you. And, now, think about the reality that you CAN provide that for your child. How good would that feel?

The gift of a bright and secure financial future is one of the best gifts you can possibly give. Make sure your values and deep, heart desires are in line with your gift giving this year and consider making your child a “million-dollar baby” today. Even if that means it’s in lieu of the latest, greatest, flashy new toy. Material items offer a temporary boost of happiness, but gifts like these are forever.

In so much light and love, with best wishes for a happy/healthy/prosperous holiday season.

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