Social (IN)Security
Read This or Retire Broke

Sadly, 84% of today's retirees admit that Social Security is not enough to live on.

In fact, thanks to a spectacular charade orchestrated by Washington, DC, a study found that you actually have a 64% chance of going broke during retirement.

Fortunately, there's an easy way for you to avoid that fate. You really can live comfortably during retirement without having to go back to work.

Read on to discover my simple road map for
living the lifestyle you want in retirement…
with plenty of money for life.

Dennis Miller – Editor Miller’s Money Forever

Dear Retirement-Minded Friend,

I'm Dennis Miller. I'm a former US Marine, retired management consultant, and most important, a husband, a father, and a grandfather of six.

Since the 2008 collapse, when the government and banks pulled the rug out from under millions of hard-working Americans like you and me, the investing landscape... and our retirement future... has totally changed.

Washington manipulated the economy... now interest rates are so low, your CDs and Treasuries are actually losing money vs. inflation.

Washington bailed out big business and big banks, and left us holding the bag... I can't say whether the market is rigged or not, but it sure feels that way. You need the bigger returns that certain stocks can provide, but you can't afford to gamble your retirement in "Wall Street's casino" either.

Washington has made Social Security a sacred cow ... it's obvious that the doom-and-gloomers are wrong and Social Security isn't going away any time soon. But it's nowhere near enough to live on. Have you looked at the cost-of-living adjustment we all got this year? It doesn't even come close to keeping pace with inflation.

I laser-focused on solving critical issues for retiring comfortably in today's new economy… the same ones you're facing right now, including things like:

Where can you get a decent yield to live on?

How can you find safe ways to earn money in the stock market?

How are you going to supplement your Social Security income?

I shifted strategies and developed a simple, rock-solid plan that can easily end your retirement money worries, no matter what the economy... or the government... throws at you.

And I'm here as living proof that by following my plan, your portfolio can perform even better today than it did before the crash, just like mine did. For example...

  • I swapped 1% and 2% CDs for safe investments that brought profits including +156.9%, +50.9%, and +83.6%.
  • In a world of near-zero interest rates, I found low-risk ways to secure yields of 5.2%, 5.7%, 7.1%, and more... without taking on undue risk.
  • I mastered secrets for leveraging credit cards... taxes... the current political climate ... even marriage and kids (in a good way, of course) to ensure that you can live the way you want... forever.

In moment, I'm going to tell you exactly how easily you can do all this, too. But for now I want you to focus on this great news:

Starting today, you can finally end your money worries and secure your dream retirement just like I have

It's true. Despite an economy that seems to put up roadblocks every step of the way, now you can do better than ever too. And you'll be amazed at how easily it can be accomplished.

Not only am I going to show you step by step how to have all the money you need in retirement... I'm going to keep you firmly on track month after month.

What's my secret? It's called the Money Forever Retirement Plan.

It's your turn-by-turn road map to little-known havens where I've discovered extraordinary yield and consistent monthly income. For example:

  • An easy-to-buy, easy-to-sell fund with a very modest risk/rate ratio has yielded an astounding 7.1%
  • One of my more conservative holdings gave me a 366.54% return in 22 months
  • A company in a booming energy sector delivered 110.9% in 22 months.

My Money Forever Retirement Plan is so simple that you can put it in place starting as soon as today.

And here's something I think you'll really appreciate. While investing your money is important, my Money Forever Retirement Plan is about way more than just investing. It's about living well in retirement.

So I've peppered my plan with dozens of real-life, commonsense tips that will help ensure you can keep living the lifestyle you want... with plenty of money for life.

In the next few minutes, I'm going to give you all the details behind my exciting Money Forever Retirement Plan. I'm going to tell you how you can use it to put an end to your retirement money worries. And I promise you won't risk one dime in the process.

But first, let me make sure you understand why my plan could be all that's standing between living your dream retirement and ending up broke.

The shocking truth about your retirement

If you're nervous about your retirement, you're not alone. And the pinch you feel is all too real.

At this critical time in your life, when you can least afford it, a study found that the 2008 financial crisis cost each and every household in the US – including yours – an average of $104,350. This includes:

  • $5,800 of lost income due to the slower economy
  • $2,050 lost in federal government spending to pay for the Troubled Asset Relief Program (TARP)
  • $30,300 lost in real estate wealth from July 2008 to March 2009
  • $66,200 lost in stock wealth from July 2008 to March 2009

And now, over four years later, in the midst of the slowest recovery from a recession since the Great Depression and with unemployment still hovering just below 8%, many still haven't fully recovered.

"65% of U.S. households are now at risk of not having enough money to sustain their standard of living in retirement"
– The Center for Retirement Research at Boston College

For those of us already in – or anticipating – retirement, the outlook could be especially bad.
Studies by The Society of Actuaries and Boston College both concluded that only the top third of retirees will have enough money to support a comfortable retirement. Two-thirds of Americans will retire with little more than their Social Security benefits.

Looking at it another way, a 2007 study by Ernst and Young revealed that if you're entering retirement now, you should plan on having to reduce your standard of living by an average of 24% if you don't want to outlive your financial assets. If you're seven or more years out from retirement, you will likely have to reduce your standard of living by even more – an average of 37%.

Would you want to slash
your standard of living by 37%?

And if you're counting on Social Security to fill the gap... think again.

Social Security is barely a drop in the bucket... and dwindling fast

One supposed hallmark of last fall's elections was that Social Security "as we know it" isn't going anywhere any time soon. Yay. I guess now we're supposed to keep our mouths shut and retire in peace so Washington can move on to more important stuff.

Who are these politicians trying to kid?

Social Security doesn't pay anywhere near enough to even keep us out of poverty... let alone living the way we want. In fact, researchers at Harvard University and MIT reported that a shocking 46.1% of Americans rely on Social Security benefits to pay the bills ... and die with less than $10,000 to their names. Here are the ugly facts:

  • You and I are among the first generation of workers who have paid more in Social Security taxes during our careers than we will ever receive in benefits.
  • The average expected benefit for a retiree in January 2013 is a meager $1,261 per month, including a 1.7% cost-of-living increase.
  • After you subtract out-of-pocket costs for Medicare premiums and expenses which according to the AARP average $4,559 per year, that leaves an average $10,573 – or $881 a month – to live on.

Yikes. As if having to live on $881 a month isn't bad enough, it's your purchasing power that's really taking a huge hit.

The Senior Citizens League reports that despite annual cost-of-living adjustments, Social Security benefits have lost a whopping 34% of their buying power since 2000.

Seniors Lose 34% of Their Buying Power
Buying Power Slashed

In other words, though you may be getting more Social Security dollars than in 2000, you're actually only able to afford:

  • 1/3 less food
  • 1/3 less medicine
  • 1/3 less entertainment
  • 1/3 less living

No wonder you aren't feeling very secure about your retirement. I'd say that's more like Social INSecurity.

I'm guessing a quick look at your portfolio doesn't make you feel much better

Until 2008, you used to be able to count on fixed income from CDs, bonds, and other sources that paid around 6% to 7% or more. On a $500,000 nest egg (which isn't that much these days), that gave you a nice, substantial income boost of up to $35,000 a year.

But in order to stimulate the economy, the Federal Reserve has pushed interest rates down to virtually zero. Today you're lucky if your same half-million-dollar nest egg generates a measly $5,000. A year.

It's like someone stuck a knife right in the back of your retirement and slashed your plans, hopes, and dreams by 84% almost overnight.

And here's what's really scary... even tried-and-true US Treasuries are no longer a safe haven. In fact, just the opposite.

Backed by the "full faith and credit" of the US government, Treasury securities have widely been considered the safest of all investments. But with the already untenable debt situation in the US getting worse, that's no longer the case. Here's why.

In their book This Time Is Different, Carmen Reinhardt and Ken Rogoff conclude that when a country's debt-to-GDP ratio approaches 90%, the government risks a crisis.

Just look at how many of these debt-limit crises we seem to keep having. Although we haven't quite passed the point of no return, when it comes to debt, we're frighteningly similar to countries that we tend to look down upon as being "risky."

The chart below shows that the United States has the fifth-worst debt-to- GDP ratio of developed nations. Even oft-maligned Spain and Portugal actually look stronger. And Greece isn't all that far behind.

GDP/Debt 2006-200

So what does all that have to do with your investments and your retirement? Plenty.

Lending to the federal government for 10 years at near 1.6% isn't just a poor investment, it's downright foolish for two big reasons:

  1. Clearly our president and his party have shown no genuine interest in cutting budgetary deficits. And the opposition isn't much better.
  2. Considering debt payments are such a large and growing part of our budget, even if we somehow manage to keep the deficit at current levels, any significant rise in interest rates would be catastrophic.

In fact, for every 1% that interest rates rise, the federal government would owe an extra $150 billion in interest payments. Every year.

So raising rates is akin to political suicide. And you can bet the farm that the boys in DC aren't going to let that happen.

Instead, the Fed will do everything it can to keep rates near zero for a very long time. Just look at Japan: It has been at or below 0.5% for the past 16 years... much of that time at near 0%.

Despite the historically low interest rates, the risk of a default by the heavily indebted US government at some point in the future is very real. In order to fight debt, inflation will most likely be the government's weapon of choice.

Unfortunately, the consequence of inflation is higher interest rates. As we've already shown, the last thing the government will want to see happen is rising interest rates… but at some point the market will take that decision out of its hands. Then we're back to potential default under the weight of even higher interest rates.

It's a virtually inescapable vicious circle.

Vicious Cycle

And it's double trouble for savers, because if interest rates rise, the market value of existing Treasuries will plummet dramatically.

For example, if you are holding a 30-year Treasury bond, a tiny one-percentage-point rise in interest rates would slash the value of your investment by 21.4%.

"It is not so much anymore that the public does not trust their brokers. They do not trust the markets, the exchanges, or the regulators either. And why should they, given our showing the past few years? To the public the financial markets may increasingly seem like a casino, except that the casino is more transparent and simpler to understand." Thomas Peterffy, billionaire founder of trading giant Interactive Brokers

One day you have $500,000... the next it's $393,000. Over $100,000 gone – just like that.

Default and inflation are the only two options the government has to take care of its unpayable debts. So whichever route the government takes, traditional fixed-rate investments are neither safe, nor will they secure your retirement. For you, me, and millions of retirees counting on interest income, this is a very real and serious problem. So I guess that leaves the stock market as our last hope.

I don't know if the market is rigged or not, but it sure isn't friendly

Historically, the best place to earn above-average gains has been the stock market. But as you can see in the following chart, it's taken over four years – and dozens of dips and drops – for the market to climb back even with where it was before the 2008 crash.

SandP showing four years of up and downs

In fact, lots of people I talk to think the stock market is rigged against the average guy. They think today's market exists solely for the benefit of insiders.

Personally, I don't know if what to some looks like a conspiracy isn't really just a set of unintended consequences that – whether by design or not – end up hurting typical American retirees. It doesn't really matter, because the result is the same.

No matter how you look at it, for those of us trying to hang on to what we've worked our lives for and generating enough income to give us a decent retirement, today's stock market is not a friendly place for the average Joe.

Consider just a few recent examples in the news:

Manipulating Interest Rates: The British bank Barclays recently agreed to pay $450 million to settle findings that, from 2005 to 2009, it had tried to rig the Libor – a key international interest rate – to benefit its own bottom line.

High-Frequency Raiding: High-frequency computerized stock trading is negatively affecting small investors and their ability to compete. A study supervised by the Commodity Futures Trading Commission reports that "that high-frequency traders make an average profit of as much as $5.05 each time they go up against small traders."

Possible Government Involvement?: Shortly after former Treasury Secretary Hank Paulson told Congress and the New York Times that troubled mortgage giants Fannie Mae and Freddie Mac must remain shareholder-owned, he told a group of hedge fund managers something very different.

In a closed door meeting, he let Wall Street fat cats know that he was considering allowing the firms to continue operations despite heavy losses. In other words, a representative of the US government was giving managers attending the meeting a choice opportunity to trade on information that average investors didn't have.

Insider Information: Some big brokerage firms have been accused of letting hedge funds get an early peek at analysts' research into the prospects of various companies. The practice lets the funds trade on information beforeordinary investors get the word. One look at the Facebook (FB) IPO fiasco is a perfect example – and it may have even burned someone you know:

Just days before Facebook's IPO – at the same time that Facebook's Wall Street investment bankers, led by Morgan Stanley, raised both the IPO offering price and number of shares in a flurry of hype – they were also secretly warning top clients that analysts had serious concerns about the stock being overvalued. In light of that information, some of these top clients scaled back plans to buy Facebook stock.

Of course, regular investors didn't get that information. Instead, they were left to possibly get caught up in the frenzy. And they lost a boatload of money when Facebook shares tanked 57.8% since it opened at $42.05 per share on May 18, 2012. Today, early investors are still out as much as 35% of their initial investment.

Imagine the deep trouble you'd be in if – trying to take advantage of what was hyped as a once-in-a-lifetime opportunity to get in on "the next Google" or "the next Apple" – that was a chunk of your retirement invested. Not friendly at all.

So here's where we are:

Social Security isn't enough... tried and true fixed investments of the past are big losers... and the stock market can feel like a casino at best.

Meanwhile, you're left with a giant hole in your retirement budget filled with rising costs, negative yields, and lots of worry.

The facts... and your gut... tell you that you'll end up broke if you don't do something. But what?

New Money Forever Retirement Plan makes it easy to secure your retirement

After I got fleeced in the fallout of the 2008 crash (you probably did too), I knew I needed to take action to save my retirement.
I'd been earning about 6% interest on CDs, which, along with some other investments, I calculated would be more than enough to fund my retirement.

But after the crisis – and adding insult to injury – the banks called in the CDs and offered me new ones… at 2%. In other words, the banks were trying to strong-arm me into accepting a 66% cut in my retirement income.

Sure, I still had most of my money left, but I realized that the strategies I had been using up to that point were no longer good enough. And so, being a former Marine and business executive, I dug in to get to the bottom of things.

Realizing that this was one of the biggest challenges any of us investors had faced in our lives, I sought out research and advice from some of the top financial analysts in the country, including...

  • David Galland, managing director of Casey Research, former executive vice president for EverBank, and a founding partner of Blanchard Group of Mutual Funds;
  • Glen Kirsch of Asset Strategies International (ASI); and
  • René Schatt, partner in the Switzerland-based firm Weber Hartmann Vrijof & Partners (WHVP).

I didn't just take their one-time advice. I literally had these experts on speed dial (often to their chagrin, no doubt, as I like to ask a lot of questions).

With their help, I developed a life-changing new perspective and a simple action plan. My Money Forever Retirement Plan is your easy, fun-to-read guide that helps ensure you don’t outlive your money while living very well just by following 4 easy steps:

  1. You'll safely and steadily grow your nest egg as you discover safe sources of extraordinary yield that many people don't even know still exist in today's economy
  2. You'll discover easy, proven ways to get maximum return and safety from the cash you already have
  3. You'll learn the secrets for generating a steady income – month in and month out – providing all the money you need
  4. You'll get dozens of real-world, commonsense tips and secrets so you can live better... and end your money worries for good.

Today, thanks to my Money Forever Retirement Plan, I'm doing way better than I was before the crash. I've recouped all that lost interest income… and then some. More important, I'm enjoying a much higher standard of living.

I'm not saying this to brag, but to show that I am living proof that you can depend on my Money Forever Retirement Plan to rebuild your savings, secure steady income, and still sleep well at night.

And it's not just me saying so. Here are a few recent comments from followers of my Money Forever Retirement Plan:

"I am a below-average guy with little investment experience other than picking which mutual fund to put my 401(k) money into. I do appreciate your specific recommendations and specific buy/sell info." – Michael H.

"Dennis – Good job so far! I particularly like your Investment Allocation Worksheet, as it makes me define what I am looking for in each investment and whether or not I am speculating when I should be investing! Thanks very much." – Tom M.

"Dennis, you're doing a wonderful service in providing us folks at or near retirement with a better understanding not only on what to invest in but how to invest in these troubled times." – Alex N.

You see? My Money Forever Retirement Plan really can help you have plenty of money to live on now, plus keep you secure no matter what happens in the future, by staying several steps ahead of the ever-present changes in the global economy.

And that's exactly what you can personally experience as I share the basics of my Money Forever Retirement Plan with you now.

Money Forever Retirement Plan, Step 1:
Little-known places to find MAXIMUM returns with MINIMUM risk

Interest rates have plummeted, and CDs no longer earn enough income to cover our bills. The Fed is on record as promising to hold down rates for at least another two years, and who knows how much longer after that.

Our brokerage account used to pay 4% interest on money market funds. It was a great way to earn a little extra money while cash sat on the sidelines looking for the next investment. Maybe you had the same thing. But now it's 1/100 of 1%. For every $10,000 invested, we used to get $400 annually. But now it's a measly $10.

But don't despair. There are still a few decent ways to make your cash earn good income without undue risk. Right now those following the Money Forever Retirement Plan are looking at holdings with the following projected yields:

  • 5.2% yield on a 252-year-old manufacturing company
  • 5.1% yield on low-risk, high-yield bond fund
  • 4.7% yield on an energy pioneer
  • 3.9% yield on a healthcare leader.

That's comparable to what were making before the crash. And that's also on top of whatever gains the underlying stocks earn. But here's where the rubber really meets the road:

Compared to the .01% you'll get from many traditional, fixed investment vehicles, getting an average 4%+ yield following my Money Forever Retirement Plan, you could be earning up to 400 times more income.

Imagine what you could do with 400 times more money coming in every month to help you live the life you want.

In addition to yield, my Money Forever Retirement Plan helps you double dip by carefully selecting stocks that not only pay an extraordinary yield, but that also are poised to significantly appreciate in value.

Here are a few safe, high-yield investments that my Money Forever Retirement Plan recommends right now.

High-dividend equities

As we have established, the stock market is not typically a friendly place, and definitely, not all dividend-paying stocks are created equal. Before we recommend the safest high-yielding dividend equities, my Money Forever Retirement Plan runs each potential investment through our proprietary 3-step analysis so you don't have to worry.

  1. We evaluate the company's fundamentals, like debt, cash, and income. In case of rough waters, the companies with better fundamentals will be the survivors.
  2. Once we have established that the company is fundamentally sound, we evaluate the firm's dividend payout ratio.
  3. We then look at the company's dividend history. If a company is able to consistently raise its dividend without having to divert profits and/or take on debt, that company's dividend is safe.

My Money Forever Retirement Plan has identified several high-volume, blue-chip equities that may give you both good yield and capital appreciation. Here's the best of the best:

Money Forever Best Recommendation: This company is one of the largest integrated energy-producer holding companies in the world. With $1.1 billion in cash, it could cover its normal operating expenses even if it didn't take in a single dime for nearly six months. Given its history of 264 consecutive quarterly dividend payments, this company is clearly committed to continue paying dividends even in tough circumstances. And its high dividend yield of 5.2% is especially appealing.

Of course, it wouldn't be fair to our paid subscribers to share the name of this company in this report. But in a minute, I'll tell you how you can get all the details on this rock-solid play... and many others, without risk.

Corporate bonds

The perfect corporate bond fund would be liquid, protected from rising rates, and have a low exposure to defaults even during deteriorating economic conditions. Finding that could be like finding a needle in a haystack... unless you know about this current Money Forever Retirement Plan recommendation.

Money Forever Best Recommendation: This fund is extremely solid, with both low expenses and fees. Most important, unlike other funds, it allocates far less of its assets to risky financials. In addition to its yield of 2.87%, you'll love its liquidity. With a market cap of $256 million, this is one of your better choices if someday you need to cash out on short notice.

I don't have room here, but I promise to give you all the details on these Money Forever Best Recommendations, plus guidance on selecting the best additional income-generating strategies, including corporate bonds, municipal bonds, foreign government bond funds, annuities, and more in your risk-free copy of my Money Forever Retirement Plan.

Money Forever Retirement Plan, Step 2:
How to manage your cash to last your lifetime

Cash really is king. It's cash that lets you manage your affairs smoothly. Cash keeps you ready to act when you want to; and cash sustains you to wait patiently when that's the better course.

But when it comes to cash, I'll bet you're a lot like several friends of mine. Let me tell you about two of them.

One friend had almost a million dollars in cash after being bought out by his company at age 55. Between the cash he received and his 401(k) getting transferred to his brokerage firm, he had more money under his personal control than he'd ever imagined possible. Rightly so, his major concern was making sure he did not lose any money.

I have another friend who was recently widowed and who knows nothing about personal finance. My wife had lunch with her recently, and she mentioned that she'd received a notice from the bank stating that a CD had matured and asking her what she wanted to do. She called the bank and talked to "a nice lady on the phone" who said she could get her a little better rate if she went out five years instead of three. It turned out that the "better rate" was just 1.8%, but she rolled over the CD because she had no idea what else to do.

Keeping your cash safe is the most basic part of investing. Unfortunately, many investors take their cash for granted. And like my friends, they're very smart people who just aren't sure how to manage and keep their cash safe in today's crazy economy.

My friend David Galland and his team at Casey Research are the industry experts on managing cash. They currently recommend holding about one-third of your wealth in cash. That way, when the next crash happens, you'll have plenty of cash for bargain shopping in the aftermath.

But it's important to spread your cash across several short-term money instruments. That will help you have a very safe, diversified basket of short-term fund holdings. My Money Forever Retirement Plan guides you to several of the following good options.

Ultrashort bonds

Rates are at all-time lows and approaching zero. No one can know for sure when, but eventually – either due to Fed policy or inflation – they will head upward. And when they do, everyone holding long-term bonds is going to take a big hit.

One of the best ways to achieve both lower risk and higher yield is by investing your cash in short-term bond funds. But not all ultrashort funds are safe. Some invest in short-term but lower-grade IOUs. Unsuspecting investors could lose money even when interest rates aren't rising.

My Money Forever Retirement Plan doesn't even consider a fund unless it focuses on bonds with both short maturities and minimal exposure to default risk. Here's one of the best:

Money Forever Best Recommendation: Most of this fund's portfolio is in short-term corporate debt. To earn higher yields, the fund also carefully includes a few BBB-rated bonds. It also includes bonds from foreign issuers. With an after-expense yield of 0.7%, this fund won't make you a fortune. But considering the alternatives, such as a one-year Treasury yielding only 0.2%, this is our top pick for keeping your cash safe and healthy.

Money Market Funds

In the current environment of ultralow interest rates, money market funds may appear to have little to offer to most investors. But money markets still offer a great way to protect your money. If you're holding cash, only $250,000 is covered by SIPC insurance. But in a money market mutual fund, you're protected up to $500,000. My Money Forever Retirement Plan recommends the following as the clear best choice.

Money Forever Best Recommendation: This market fund is the safest by far. It does a good job of spreading the risk across various financial instruments as well as countries all around the world, including the US, England, Sweden, Switzerland, Germany, even Australia and Japan. If the financial system caves in one particular location, your money won't be going down with it.

I've prepared way too much information to include in this report. But you'll get step-by-step guidance on these and many more cash-saving strategies, including currency diversification, foreign banking, managing insured protection, choosing the best broker, and much more in your risk-free copy of my Money Forever Retirement Plan that I want to send you right now. I'll tell you exactly how to get yours in a moment.

Money Forever Retirement Plan, Step 3:
How to have consistent monthly income to live the retirement of your dreams

Like many other baby boomers, retirees, and people quickly approaching retirement, you may struggle to balance your monthly income and expenses. While regular Social Security checks help, jumping from a regular paycheck that covers most monthly expenses to a small Social Security check that doesn't is a big change. So while it helps to know which dividend-paying stocks and other investments can supplement your income, that's only part of the puzzle.

My Money Forever Retirement Plan spells out a crystal-clear method for managing your personal cash flow, so you're getting the additional income you need right before your bills come in. And that means less stress and more enjoyment every month of retirement.

The Money Forever Income Plan

My Money Forever Retirement Plan makes it easy for you to have a solid flow of cash every month of the year.

Even if you're completely unsure about the economy's next step or have no opinion on the matter, my Money Forever Retirement Plan makes it easy to mix and match sectors to balance risk – while generating income every month.

We start by guiding you to select just nine companies: three that pay dividends beginning in January; three that pay beginning in February; and three that begin paying in March. Then for the rest of the year, each company will pay dividends every three months. You get income from high-paying, rock-solid companies like clockwork every month.

Money Forever Best Recommendation: Here's an example of the stocks my Money Forever Retirement Plan recommends for generating income in March, June, September, and December. I can't give you the names now, but I will in your Money Forever Retirement Plan.



Traditional Payout Dates
Company #1 Energy March 10 June 10 Sept. 12 Dec. 14 5.6%
Company #2 Tech March 1 June 1 Sept. 1 Dec. 1 3.5%
Company #3 Utilities March 31 June 30 Sept. 30 Dec. 30 4.4%
Company #4 Mining March 30 June 29 Sept. 29 Dec. 30 3.0%

The best part is, we do all the work for you.

In about 15 minutes a month, the Money Forever Retirement Plan gives you all the details for every recommended action. You get everything you need to secure your retirement, all spelled out for you in plain English.

Money Forever Retirement Plan, Step 4:
Commonsense tips to make sure you outlive your money

Straight Talk About Working in Retirement


Several of my friends have even taken part-time jobs, many at minimum wage, to help pay the bills. Take a quick look around the fast-food restaurants and retail stores in Florida and you'll see plenty of gray-haired folks in well-established second careers.

Working full- or part-time after retirement may help pay the bills, but it doesn't address the whole problem. Even if you have enough money to pay your bills, your nest egg still won't manage itself.

Think about it – if you're working for minimum wage but your nest egg is losing money to poor investing or high inflation, are you really any better off at the end of the day?

My Money Forever Retirement Plan makes it easy for you to manage your money for maximum income in about 15 minutes a week.

I guarantee: "working" at managing your money is infinitely more rewarding – and easier – than bagging groceries.

Don't take my word for it. See for yourself with your own risk-free trial evaluation of Miller's Money Forever.

Remember, my Money Forever Retirement Plan is not just about picking stocks and bonds. I want you to know what I know, to learn what I learned – and by the way, I keep learning more every day, so we'll never run out of things to talk about.

So in addition to the specific, actionable investment recommendations you'll get in my Money Forever Retirement Plan, you'll also find lots of subjects that might not be investment recommendations, but are important to retirement-minded people like us.

Let me list just a few recent ones for you:

  • Keeping Your Brokerage Account Safe. After MF Global's downfall, how safe are your investments – and how can you be sure? Have you checked recently? I'll tell you exactly what to look out for.
  • Never Run Short of Cash. I'll reveal secrets for selecting the best cash accounts that match your liquidity needs. Hint: stashing away funds in long-term CDs might not be the best course. I'll also tell you what to watch out for in the fine print of your account.
  • Diversify Yourself Internationally. Whether it's a small step (such as getting a certificate of deposit denominated in the Norwegian krone or Canadian dollar) or opening bank accounts abroad, it's a great idea to reduce your exposure to the US dollar. I'll show you ways to do this safely and legally, without getting the IRS on your back.
  • Should You Pay Off Your Mortgage? Discover the pros and cons of banking on after-tax investment returns vs. getting rid of your mortgage early.
  • Reverse Mortgages. You may have seen the commercials featuring Henry Winkler and Robert Wagner hawking reverse mortgages, but are they really good for today's retirees? I recently exposed the pitfalls of reverse mortgages and revealed the few instances where a reverse mortgage might make sense for you.
  • International Parking Spots for Your Cash. I'll share with you a recent, eye-opening interview with Chuck Butler, president of EverBank World Markets. He'll show you where some of the best countries are right now for you to set aside some of your money.
  • De-mystifying Annuities. It seems like every day there's a new pitch to seniors to buy an annuity product. Our in-depth exploration of annuities, in conjunction with a leading consumer advocate specializing in annuities, will help you make sense of them – and more important, help you decide which is right for you.
  • What to Know Before You Sell Your Gold Jewelry. Gold for cash is all the rage right now. I've got that covered, too; you'll discover 5 things you need to know before you make any move.

So you see, my Money Forever Retirement Plan is packed with tips and secrets that will help you live well in retirement. I don't mean to brag, but people seem to like what I have to say.

"We appreciate your down-to-earth, commonsense advice." – Jack K.

"Your newsletter is the best and most readable of the ones I have read over the last few years. I like your style of communicating and the fact that the issues you have experienced are similar to mine. Let's hope we prosper and learn which way to go with your thoughtful approach." – Michael P.

"By the way, I like your attitude – you don't pretend to know it all either." – David W. Z.

"I have been really enjoying your series of info since I am in a similar boat and have been doing my own research on alternative investments, especially since 2008 hit… It is nice to have some folk to talk with that look at the bigger picture as well and understand these things too. Best of luck and keep up the good work." – Regina C.

"Many thanks for this succinct, detailed, comprehensive piece. It puts one in an easy frame of reference to get started and stay focused." – Claire F.

If that sounds like the kind of advice and retirement living tips you'd like to have, I'll send my entire Money Forever Retirement Plan right away when you sign up for a risk-free look at what may be the most useful and unique financial publication in the US: Miller's Money Forever.

How to have Money Forever... every single month

My Money Forever Retirement Plan makes it easy to ensure you have all the money you need, forever. I know you'll love the way it guides you step by step, with specific recommendations to secure your retirement and end your money worries no matter what the economy does.

But please don't worry and mistakenly think that my Money Forever Retirement Plan is just a book or static strategy that may work today but then become obsolete as soon as something in the economy changes. Nothing could be further from the truth.

My Money Forever Retirement Plan is just the tip of the iceberg that lays out the foundation. The real key is something you won't find from any other plan I know of: specific, up-to-the-minute, actionable ways to implement my Money Forever Retirement Plan through my monthly newsletter, Miller's Money Forever.

Money Forever is like having a personal meeting with me every month where I share not just my best, handpicked investment recommendations, but my best tips for living well in retirement. All based on what's going on in the world right now, today.

Starting the first minute with your first issue, you'll know that Money Forever is not like any other investing newsletter you've ever seen. It's written in plain English for people with investing experience... but it doesn't assume that everyone knows everything we talk about.

In short, Miller's Money Forever takes my Money Forever Retirement Plan and not only puts it into action, it keeps it current. Unlike any book, Money Forever keeps you consistently updated on changing market conditions every month and tells you exactly how to respond.

I know you'll refer to every issue again and again as you build your retirement income, and grow it faster than you ever thought possible. And here's something you'll appreciate...

Every recommendation is backed by some of the best financial researchers in the world

Musings From Miller...

The Truth About Annuities


When I was 20 years old, I sat through my first day of a business law course at Northwestern University. The professor began the course by writing two words on the blackboard (in the prehistoric days of blackboards and chalk): Caveat emptor.

No one knew what the words meant. "Let the buyer beware!" he trumpeted.

Many of my friends are concerned about having enough money to pay their bills down the road; a good annuity can help address those fears.

Nevertheless, "caveat emptor" should be your mantra, your guiding principle of annuity research. Buying the right annuity can be stressful and complicated, but you must set aside the time for thorough due diligence. Doing your homework and understanding what you are buying is an absolute must.

As "Stan the Annuity Man" told me upfront, you are very likely better off with no annuity as opposed to buying the wrong one. The first challenge is finding out whether an annuity could work for you.

For those who want an in-depth analysis, we've created The Annuity Guide. It's yours free, along with my Money Forever Retirement Plan, when you go here to start your risk-free trial evaluation of Miller's Money Forever.


For over 30 years, the folks at Casey Research have proven themselves to be among the best on the planet when it comes to finding winning investments. They're known for their ability to relentlessly scour the globe to unearth rock-solid investments and strategies from a wide range of market sectors and methodologies, including:

  • Perth Mint Certificates
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  • The pluses and minuses of exchange-traded funds (ETFs)
  • How much hard metal you should have versus stocks
  • The precise percentage of your portfolio that should be "core holdings"
  • How much you should hedge investments against inflation

I feel fortunate to have these researchers and analysts by my side to bring subscribers of Miller's Money Forever impressive gains, including these recent winners.

  • 33% gain in 4 months on a diagnostic testing, applications, and genetic-analysis provider
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  • and many more…

And there are many other portfolio holdings – among them an easy and convenient way that anybody can hold the three most stable currencies in the world today – that I expect will do just as well.

It's all yours to discover with absolutely zero risk for 3 full months.

Here's how to get your risk-free trial... and save $100 too!

Hopefully by now you can see that Miller's Money Forever is different than anything else on the market.

Every word, every recommendation, every tip, every secret, every story is laser-focused on helping you, as a baby-boomer, do one single thing: Have more than enough money to live your entire life well.

Judging by our results and the feedback we're getting, it looks like "mission accomplished":

"Keep up your good work... it gives me hope ... Thanks" – Betty G.

"Your topics and strategies are of particular interest to me, as I try to envision a worry-free retirement." – Dan

"I love reading your weekly missives. I find them filled with 'good, old-fashioned advice,' in among the obvious humor and compassion. Do keep up the good work you do." – Riana R.

"It is refreshing to read about finance that a laymen like myself can understand and actually inspired me to get involved in more critical thinking of my financial future." – Brian A.

"Both my wife and I appreciate your commonsense and methodical approach to helping us decide what's best for us." – Dan M.

That's why a one year subscription to my Money Forever – including your FREE copy of my Money Forever Retirement Plan – is an incredible value at the regular retail rate of only $199 per year. In fact, I know that just one recommendation... one money-saving idea... one income-generating secret... could easily be worth at least ten times that, or more.

However, I do what I do to help people like you. My mission is to eliminate any roadblocks that might prevent you from having the retirement and "money forever" you deserve. So for a limited time, we're offering you a chance to try a Charter Subscription to Miller's Money Forever for half off… that's just $99 per year.

And your subscription rate is locked in forever – that means it will never go up as long as you remain a subscriber. So if you sign up today, you'll always renew at the low $99 per-year rate, when new subscribers will be paying twice that.

Try it risk-free for 90 days

Here's the best part. You don't have to take my word for any of this. You can see and experience everything I've told you about without risking one thin dime.

Just go here now and start your trial. You'll get immediate access to my Money Forever Retirement Plan, plus my Miller's Money Forever newsletter, plus everything else I've told you about in this report... and much, much more.

Then, for the next 3 months, I urge you to put it all to the test. Pick my brain... start implementing the plan... exhaust the resources of Casey Research... read every informative article... scan the archives ... and check out every single one of our retirement-saving recommendations.

If there's any reason you aren't 100% convinced that Miller's Money Forever is the very best service specifically tailored for baby boomers... and the very best way for you to live well in retirement... just cancel within those 90 days and get all your money back… no questions asked.

Of course, you get to keep your Free copy of my Money Forever Retirement Plan, no matter what... even if you cancel within 90 days for an easy, full refund.

To sign up and get started, just click here.


This is as close to a no-brainer as it gets... and fun too

Securing your retirement and your financial future with my Money Forever Retirement Plan is actually even much easier than it sounds.

You can choose to simply follow my step-by-step recommendations you'll get each month in Miller's Money Forever newsletter, or on my members-only web site, or in my extensive archives...

... Or you can take what you learn from my plain-English, easy-to-understand, in-depth explanations and blaze your own path.

Whatever you choose, you don't risk anything to see for yourself. You've got nothing to lose. Either Money Forever does everything I say or you get your money back (and at just $99, it's really hardly any money anyway). This really is a no-brainer.

And here's a nice surprise... not only does every monthly issue of Miller's Money Forever give you real, specific actionable recommendations that can impact your life, it's fun to read.

I know you'll look forward to settling down in your favorite chair with the latest issue every month. Just ask Miller's Money Forever subscribers, including these who wrote in to say...

"Keep doing what you are doing." – Scott D.

"Dennis' style has a nice, friendly accessibility and tone that helps people who've taken a hit to get back on their feet. May he enjoy continued success." – Brett D.

"Thank you for being an advocate for 'the rest of us'!" – Ben A.

"I just wanted to say I think you are doing a fine job! I appreciate the fact that you write in a VERY easy to digest format. You illustrate your points so just about anybody can understand them. Keep up the good work!" – Darrin B.

"I like your folksy and personal writing style. Keep it up." – John M.

"Thank you, Dennis!" – S. J.

Why not take advantage of what I've learned? Why not enjoy managing your finances?

I've harnessed some of the best financial minds in the world to figure out exactly how to get your retirement back on track. And now I'm offering to help you – to let you experience it yourself and see the results in your own bank statements for 90 days – with zero risk. All you have to do is go here today.

FREE "Thank You" BONUS to get you started today

I've recently purchased your book "Retirement Reboot" and all I can say is how I wish I'd done so sooner. It deserves to be in hardbound copy, selling on Amazon, lining library shelves. I've never related so much to a book on money and investing with a good deal of appreciation and awe. Your subjects are timely, relevant, pertinent; even endowed with your personal experience ("don't you dare lose mother's money!"), wisdom, and sage advice. I especially love the investment pyramid strategy and the topic on investment newsletters. They've given my DIY approach focus. Your newsletter's my first from Casey Research, though I've been an admirer, following them for sometime now. Thanks Dennis, so much! You're a retirement savings savior! – Maria L. M.

Here's another important difference you'll like. When you sign up to try Miller's Money Forever, it's only right that you get to know a little bit more about me.

Turns out I've written an entire book about my personal path to financial security – so others like you can benefit from my experience and don't have to repeat the mistakes I made along the way.

It's called Retirement Reboot. And it's filled to the brim with the dos and don'ts of securing and growing your nest egg. In addition to giving you instant access to my Money Forever Retirement Plan, I'd like to send you a convenient e-book copy of Retirement Reboot today... absolutely free.

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Retirement Reboot is available through online retailers for $19.95, but today you won't have to pay a penny to get it. Simply take me up on my special risk-free trial offer, and I'll rush your own copy right away along with your first, exciting issue of Miller's Money Forever.

Isn't your retirement and peace of mind worth a risk-free look?

Sure the game has changed. Sure, Washington, DC has made a real mess of things. But you don't have to be a victim.

You really can take simple, easy-to-follow steps right now to secure the retirement of your dreams and live well without outliving your money.

It's all spelled out in my Money Forever Retirement Plan. And if you act today, you can get the best deal imaginable:

  • You get 12 monthly issues of my Miller's Money Forever newsletter for a full year
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  • PLUS, you get instant access to my Money Forever Retirement Plan, and a convenient e-book copy of my book, Retirement Reboot... both absolutely free and yours to keep, even if you cancel for a full refund.

I've done all I can do. I've even eliminated all the risk I can. Now it's up to you.

The truth is, you're actually taking on tons of needless risk if you don't take a risk-free look at Miller's Money Forever. You risk having to work at menial jobs to make ends meet when you should be enjoying a comfortable retirement, plus you risk eating away at your principal and losing your nest egg entirely. Then what?

Today, you're in the driver's seat. You've got absolutely nothing to lose... and everything (including peace of mind) to gain. Reserve your risk-free trial by going here right now.


Wishing you Money Forever,
Dennis Miller

Dennis Miller
Editor, Miller's Money Forever

P.S. I don't know exactly how long this incredible $100 off, risk-free offer will last. Why delay and risk missing out? Surely your retirement and your financial future is worthy of at least taking a risk-free look, isn't it? I urge you to go here now and try Miller's Money Forever while there's still time.