• What is important about money to you: pleasure, status, security or freedom?
• Would you rather lose money than break with the conventional wisdom of the “herd?”
• Will you pay taxes that could have been avoided?
• Do you own any tax free assets that produce income?
• Would you be uneasy about paying interest to yourself instead of to a bank?
• Does your financial plan include any of the following?
  • Making pre-payments on your mortgage
  • Maximizing investments in Qualified Plans
  • Compounding interest and dividends
  • Carrying credit card debt
  • Paying an auto loan or lease
  • Increasing your investment risk for possible higher returns
  • Deferring income tax until retirement

If your financial plan includes one or more of these items, you may be following the conventional wisdom of the “herd.”

• If what you thought to be true turned out not to be true, when would you want to know?
• Are you aware of the following concepts?
  • Becoming your own banker
  • Leveraging your assets
  • Maximizing your pension
  • Cost recovery methods
  • The difference between return and yield
  • Turning a non-producing asset into an income producing asset
  • Human life value
  • Opportunity costs
  • 401(k) exit strategies