Cleveland-Based Accountant Reveals How You Can Build A Never-Ending Nest Egg
He Turned $9,000 Into More Than $7,000,000
And Today You Can Discover His Secrets . . .
Today, I want to introduce you to Bill Spetrino.
Bill’s story is unique.
He didn’t follow the Standard Retirement Plan shoved down his throat by financial advisors, Wall Street pundits, and other retirement “experts.”
Instead, he built a “Never-Ending Nest Egg” on his own.
This Never-Ending Nest Egg allowed him to retire twenty years earlier than he had ever anticipated . . .
at the young age of 42.
What’s fascinating about Bill’s story is that he didn’t inherit a lot of money, get rich starting a business, and no, he didn’t win the lottery.
In fact, Bill never had a high-paying job. For most of his short working life he made less than $45,000 a year. The year before he retired was the only year he earned a six-figure income.
You see, thanks to his Never-Ending Nest Egg, Bill not only retired twenty years early, he has also seen his investing income TRIPLE since he retired.
You heard that right.
While most people entering retirement have to worry about their income dwindling over time, and eventually depleting their nest-egg, Bill’s retirement income has TRIPLED and he will have a Never-Ending Nest Egg.
He now makes 6 figures a year, without lifting a finger. The money is automatically deposited into his account month after month after month.
Best of all, Bill will get paid more next year, and even more the year after that . . . and it will continue to do so repeatedly, forever.
He will never run out of money.
And today, I am going to show you how to follow him using three simple steps . . . you will be amazed at how easy it is.
And you know what makes this real amazing? Bill doesn’t have to worry about a market crash wiping him out.
In fact, he’d smile if the market did crash because he’s been through market crashes before, and he uses them to further fortify his Never-Ending Nest Egg
Imagine being like Bill . . . and actually smiling when the stock market crashes. If you read this presentation in its entirety, you will learn how to do exactly that.
Understand, Bill’s unique approach to investing is NOT theoretical or hypothetical.
In fact, a few years ago, being the ordinary guy he is, Bill invited a handful of folks to use his Never-Ending Nest Egg strategy alongside him. These people are teachers, firefighters, construction workers, and the like. And they have been allowed to view Bill’s exact investment picks, and act on them if they choose.
And those that did follow his investment advice have made a lot of money.
Here’s what they are saying about their success.
Yes, those are all real people. They’re not actors. And they were not paid a dime to come on camera and testify about their results. In fact, many of them offered to fly across the country to tell us how well they have done.
These folks, and others like them, have had the good fortune of finding Bill’s Never-Ending Nest Egg strategy.
And within the next few minutes, you will have the chance to make money right alongside them.
So, you may be wondering, how did an ordinary guy who grew up on the poor side of Cleveland retire 20-years ahead of schedule . . . and set himself up with a 6 figure income that increases automatically every year . . . and will continue to do so, forever.
To answer that question, I recently asked Bill to come to my office to share in detail what he did to build his Never-Ending Nest Egg.
When Bill sat down with me, I grilled him.
I asked him . . . “Bill, there are millions of people who make double the salary you made when you worked, yet they are not able to retire even at 65 years of age. Yet, you retired at 42. What did you do as an investor that everyone else in America is NOT doing?”
Bill smiled and immediately asked me this crazy question.
“Would you buy a brand new luxury car for the guy who manages the mutual fund that your money is in right now? Let’s say one that costs a little over $100,000 to drive off the lot.”
I laughed and said of course not, and then explained that I don’t even know who the guys is that manages my money in the fund.
Of course, I don’t think anyone would spend over $100,000 of their life savings to buy some rich guy you don’t even know a brand-new luxury car.
You’d have to be crazy to do that.
Then Bill looked me in the eye and said,
Well, guess what? You are buying him that luxury car right now! You see, the average American couple with an IRA & 401k will pay MORE than $106,000 to their fund managers
That floored me. I didn’t believe it. It seemed unreal.
So Bill broke out a pencil and paper, and as you’re about to see, showed me the REAL COST of the Standard Retirement Plan most people are following.
He told me, and this is a direct quote from my interview with him,
“The Standard Retirement Plan most American’s follow creates a cancer in their nest egg. They follow it because it’s the retirement plan pushed by Wall Street. It’s the plan touted by financial advisors, it’s the plan you invested in when you saved money in your company sponsored 401k. It’s the plan everyone ‘’is told’ is the right way to invest because Wall Street has spent millions in marketing and advertising to convince us all that it’s the smart thing to do. But the very same plan most investors rely on to build their wealth and secure they’re retirement is itself the REASON their nest egg is so small. And it’s the reason you’re nest egg is probably going to run out in retirement.”
Bill then taught me that there are three simple steps to building a Never-Ending Nest Egg like he did.
Let’s spend the next few minutes going over those three steps. And then, at the end of the presentation, I am going to give you the chance to look over Bill’s shoulder so that you can see the stocks he used to build his Never-Ending Next Egg.
You will be amazed at how easy it is to get started. Just stick with me for a bit.
Regarding those three steps to building a Never-Ending Nest Egg, let’s go over them now.
Step #1, to use Bill’s words, is to “stop the bleeding”.
Now, I have to warn you, the numbers I’m about to share with you are going to turn your stomach.
You’re going to feel robbed.
Maybe you’ve heard the phrase, “The greatest trick the devil ever played is making people think he didn’t exist.”
Well the greatest trick Wall Street ever played was making you think their fees didn’t exist . . . all while robbing you blind.
Let me explain using a story of a couple by the names of Mike and Lisa.
Mike & Lisa are your average couple that is about to retire. They’ve worked hard to put their money in both an IRA & 401k, and now have about $261,400 in savings . . . which is pretty typical of a couple entering retirement these days.
They plan on living off the equity in their house, of their social security, and off the income they can generate from their nest egg in order to get the retirement lifestyle they want.
But Mike & Lisa, without even realizing what’s happening, are going to pay Wall Street $124,152 out of their nest egg after they retire.
The money won’t come out all at once. It will quietly drip out.
And the total amount they pay won’t be reported clearly on the statements that Mike and Lisa get from their fund managers.
But make no mistake — they, and almost every other American who bought into the Standard Retirement Plan, will lose almost HALF their nest egg to hidden fees.
47% to be exact.
So for every $10,000 you save up, expect $4,700 of that to go right to fees.
Wall Street has rigged the system against Mike and Lisa, and against you.
That’s because most of the money Mike & Lisa have in their IRA & 401k is invested in various mutual funds. Mutual funds, of course, are the vehicle of choice in America’s Standard Retirement Plan.
That’s a problem because the TRUE COST of owning mutual funds is much higher than the simple “expense ratio” most investors believe they’re paying.
Forbes magazine actually did an investigative piece on this.
They found that the “expense ratio,” you see reported is only the tip of the iceberg. There are other hidden fees built into the way managed funds operate.
For instance, there are transaction costs when the fund buys and sells stocks. These are often much higher than you or I would pay.
Additionally, there are problems with how funds pay taxes.
To quote Forbes:
There’s also a thing a cost called “cash drag.” You give your money to the fund to invest but the fund has to keep a certain amount of dollars in cash in order to handle operating expenses, pay out investors who are withdrawing their money, and to hold in reserve if they are looking for buying opportunities.
Well, cash doesn’t increase in value. Yet you are paying them a fee to have it sit there.
Forbes revealed a whole slew of other hidden costs most investors know nothing about, like Soft Dollar Cost and advisory fees and more.
Forbes found that the TRUE COST of owning the average fund is 3.17% a year.
How does that translate into costing you over $124,000 in retirement?
Sadly, very easily.
In this chart, I am simply showing you what 3.17% really costs you per year. Now, in a real account, the value will go up some years, and down other years, based on your investments. It’s one of the reasons why it’s so hard for you to see how much you’re losing to fees.
But for these purposes, let’s say your investments remain stable.
Look at what happens to Mike and Lisa’s $261,400 savings over the course of a 20-year retirement due to paying 3.17% in fees.
The first year Mike & Lisa paid $8,286 in fees.
That reduces their nest egg down to $253,114 the next year. And after another year of retirement, Mike and Lisa have paid a total of $16,310 in fees in just two years.
On and on it goes each and every year.
By the 20th year of their retirement, Mike & Lisa will have paid $124,153 in fees to their fund managers.
That’s $124,000 that Mike & Lisa worked hard their whole lives to SAVE, but won’t get to enjoy.
They did everything right, but that money slowly leaked out of their nest egg.
That works out to be $517 per month in fees.
Just think, what else could Mike and Lisa do with $517 a month. It could cover a mortgage, it could pay their healthcare expenses, or it could help them take a weekend getaway . . . every month!
The total sum of $124,000 is a lot of money.
But instead of keeping their money, as Bill put it, “Mike & Lisa get to watch their fund manager drive away in a luxury car that THEY paid for.”
So, how much of your money is at risk?
A simple calculation you can do right now is take the amount of money you have in your nest egg and subtract 47%.
That’s how much money, on average, you’ll pay during your retirement in fees.
And by the way, if you have a Money Manager that puts your nest-egg in certain funds . . . you will end up paying fees on top of fees . . .
I’ve actually seen it, on several occasions, when Money Managers put their client’s retirement money into what’s called a Fund of Funds . . . and in those cases . . . the clients are paying three sets of fees.
- The Money Manager Fee
- The Fund of Funds Manager Fee
- The Fund Manager Fee
Folks, this is what the Standard Retirement Plan does.
The ugly truth is this:
Your retirement plan was never designed to give you a successful nest egg.
If you’re like most Americans then one of the first times you seriously considered saving money and started putting a little bit away each paycheck was at work through a 401(k).
Maybe you sat down in a conference room with a Human Resources representative. They showed you slick brochures about the power of compounding, gave you the mutual fund options your company selected, and talked about your retirement plan.
Or, you sat down with a financial advisor who basically did the same thing.
Those slick brochures, those professionally produced mutual fund prospectuses, and the entire retirement industry exists to do one thing:
Put money in Wall Street’s pockets.
Think about all those investing brochures and retirement plans and in every single case you’ll remember that the recommended way to invest was in a MUTUAL FUND.
[Which, by the way, if you are currently invested in a mutual fund . . . you are paying for those brochures along with the nice hotel that the fund representative gets to stay in along with his or her first class flight.]
Now, understand that managed funds are one of Wall Street’s top products.
To see just how much money Wall Street is sucking out of the retirements of the average American consider this:
Just ONE of the biggest mutual fund companies controls around $4 trillion in assets . . .
more than America’s entire Federal Budget last year.
And that’s just one company.
Or how about this shocking fact . . . there are more mutual funds then there are publically traded stocks.
It’s clear that there is a lot of money to be made charging YOU and me fees.
Here’s the crazy thing. Research proves that over 80% of mutual funds underperform the index they are tied to!
So not only are you paying them a ton to manage your money . . . they are actually doing a horrible job at it.
I could go on for hours about how you and every other American are getting robbed blind.
The retirement plan we’ve all been sold is what’s best for Wall Street. It’s not what’s best for us.
Now, keep in mind, I only showed you the costs Mike & Lisa paid in fees AFTER they retired.
What I didn’t tell you was that Mike & Lisa ALSO paid $155,000 in fees while they were working and saving money. So their $261,000 nest egg SHOULD have been more like $416,000 — not counting all the compound interest they lost over the years on that $155k they paid in fees.
But it’s not too late for Mike & Lisa or anyone else for that matter who fell for Wall Street’s Standard Retirement Plan.
That’s what this presentation is about. I want to invite you to look over Bill Spetrino’s shoulder, so you can have the same Never-Ending Nest Egg that he has.
A nest egg that pays you big . . . and potentially pays you more and more every year.
You see, once you cut out the fees from your nest egg, then you can take that money and start compounding it. And the difference to your portfolio and your retirement EVEN IF YOU RETIRED TODAY is amazing.
Let me show you.
Look at how much more money you would have in your nest egg if you apply rule #1 . . . and stop the bleeding.
Then simply invested the fees you WERE paying to Wall Street and let your money work for you.
Over the course of a 20-year retirement not only would a couple like Mike & Lisa SAVE $124,000 by not paying those fees . . . they could have taken that money and reinvested it for profits.
A lot of profits
Take a look at this chart again. I added one more column . . . one that shows you what would happen if you stopped paying fees, and then reinvested that money at a 10% annual return.
As you can see, Mike and Lisa could have made $429,274 in EXTRA money during their retirement simply by reinvesting the money they WOULD have paid in fees!
That’s an extra $1,795 per month.
Remember, this is NOT money they were already investing.
This is NOT how much more money they could have made if they just got “better returns.”
That $429,274 is just the extra money they could’ve gotten by reinvesting what would have been normally lost to fees at the stock market’s average rate of return.
Normally, Wall Street gets that money and uses it to invest to make more money.
The founder of one of the largest mutual funds described Wall Street like this:
“The financial system has consumed 60% of the return, the fund investor has achieved but 40% of his earnings potential. Yet it was the investor who provided 100% of the initial capital; the industry provided none. Confronted by the issue in this way, would an intelligent investor consider this split to represent a fair shake? Merely to ask the question is to answer it: 'No.'"
Do you feel Wall Street should get 60% of the returns on the money you save?
Just think: What would an extra $124,000 in savings mean to your family? How would having an extra $431,000 in your retirement account change your life?
It’s huge, right?
Again, that is
$1,795 extra per month.
Now, you may be thinking that you can’t get 10% annual returns. I thought it was impossible too.
And that is why I asked Bill that exact question, and his response led into Step 2 of Bill’s Never-Ending Nest Egg strategy.
Remember, Step 1 is to “Stop the Bleeding”
Step 2 is to “Start at mile 5, and increase your speed”
Now, during my conversation with Bill, I had no idea what he meant by “start at mile 5” . . . and after I gave him a blank stare, Bill explained
“Imagine entering a 10 mile foot race. As a competitor, you want to win. You have a choice, to start at mile 0 or to start at mile 5. Which one would you choose?”
The answer to me was obvious. I told Bill I would prefer to start at mile 5. That would stack the odds in my favor.
To which Bill responded “Yes. That is the correct answer. Unfortunately, when it comes to investing, most people would prefer to start at mile 0.”
So, let me explain to you what Bill means, and why he is correct in his statement.
When it comes to the stock market, getting 10% seems a bit farfetched. However, some companies will pay you for investing in them. These payments come in the form of dividends.
These dividends will often be 2% - 5% per year. So if you invest $100, you will get $2-$5 back . . . virtually guaranteed.
It’s basically a 5 mile head start in a10 mile footrace. All of a sudden, coming out on top, doesn’t seem that difficult.
Now, I know what you have been told by Wall Street. You have been told that Dividend Stocks don’t move . . . that you will never get rich investing in them.
You’ve been told that if you want high returns, you need to invest in small cap stocks, penny stocks, options, and risky vehicles.
Not large companies that pay dividends.
Those never move anywhere . . . right?
Since 1926, as far back as we can go in history for this statistic, 50% of all the gains in the stock market have come from reinvested dividends in the market.
So, by not investing in dividend stocks, you are forfeiting your right to start at mile 5 in a 10 mile race.
And, get this.
Dividend stocks are safer.
A lot safer. After all, these are dull boring large cap stocks. But, guess what. These dull boring large cap stocks have survived recessions, wars, and depressions.
Let’s look at some market history for proof:
Back when the tech bubble popped sending the market into a two year bear market from 2000 to 2002, the S&P 500 — an index that represents the stock market — returned a negative 14.6%. However, dividend stocks gained 8.3% during that bear market.
So a $100,000 nest egg lost $14,600 during that time period if it was invested in the S&P 500.
But if you’d invested your money only in the dividend paying stocks then you would have gained $8,300 while the market lost money.
The difference in the two portfolios is a whopping 26.81% after just a two year bear market!
Even better, right after that when the bull market started, dividend payers outperformed the S&P 500 by 48%.
This is just basic math folks.
And if you look from the time the tech bubble burst in 2000 all the way until now
dividend payers have outperformed the S&P 500 by 352.94%!
The Bottom Line: Dividend stocks are something you have to invest in if you want a Never-Ending Nest Egg.
But, step 2 is more than that. It is “Start at mile 5, and increase your speed”
Here’s what Bill means by “increase your speed.”
Find dividend stocks that increase their dividends every year.
They may only pay you 3% right now, but in five years, they will be paying you 6% or higher.
I admit, finding stocks that do this is not easy. But it is easy for Bill. He has been doing this for a long time.
In fact, he has a whole list of stocks that increase their dividends every year. Some by as much as 8% per year.
That money gets deposited right into your bank account of choice.
It happens automatically.
You can get set up with as many payments as you would like.
Remember that group of people who have been following Bill the last few years?
Here’s how one of Bill’s readers describes getting his dividend payments:
When you “start at mile 5” you end up building a dividend machine that starts paying you automatically on a regular basis.
And you only invest in stocks that will pay you cash to own them, and who increase that payment every year.
That way you’re making money all the time, not just when the market goes up.
Here is a direct quote from Bill
“If you want a Never-Ending Nest Egg then you have to build a Dividend Machine — a stock portfolio that pays you to own it AND beats the market. There is no other way to do it. You want the companies you invest into to start contributing directly to your nest egg.
“Think about it, when you retire and stop working you’re no longer directly adding money into your nest egg. By investing in dividend paying stocks you get the companies you own to save money for you.
“But it’s not just the dividend payment that makes this work. The reality is stocks that pay dividends consistently beat the market.”
Now, I want to say this one more time, despite this second rule to “Start at mile 5, and increase you speed” — in other words, to go out buy dividend stocks that increase their dividends, please know not all dividend stocks are created equal.
That’s where Bill excels.
Consider this, even Bill’s closed positions — the stocks he feels are not worth owning anymore — are a fund manager’s dream come true. In his conservative portfolio, the closed out positions have averaged
These are the stocks Bill believes are no longer worth owning.
Every single one of them still made money.
Just think, the AVERAGE RETURN of all the closed positions from the conservative portfolio is 77.71%.
Remember poor Mike & Lisa? Remember how they lost $47,000 of every $100,000 they had saved due to Wall Street fees?
With Bill’s Never-Ending Nest Egg strategy, even the “no longer needed” stocks would’ve delivered $49,000 in PROFITS on that same $100,000. And they would have done it in just a few years, all while completely sidestepping the Wall Street fees.
That’s amazing. Who wouldn’t like their “sold positions” to average 77.71%?
Clearly, this is a cut above what most investors are doing.
But, what about Bill’s open positions. How do those stack up?
Right now Bill’s conservative portfolio has a return of 156%.
That’s right, the typical stock in Bill’s portfolio could’ve more than doubled your money.
That’s just the average. Some do better, some do a little lower.
By the way, at the end of this presentation, I am going to give you the chance to access Bill’s portfolio . . . along with his top 5 stocks to buy today. You will see everything Bill has invested in.
So what separates Bill’s dividend machine from the rest of the pack?
In his words,
“Owning stocks that pay dividends is not the same as building a dividend machine. And if you overlook that fact then you’ll never build a true Never-Ending Nest Egg.”
The key is to build a portfolio of dividend paying stocks that offer both strong dividends AND growth. If you’re choosing stocks that give you just the dividends but not the growth then you don’t really have a dividend machine.
The one-two combination of growth plus dividends is what creates that never-ending nest egg.
Let’s take a look at a few of the stocks Bill recommends everyone have in their dividend machine.
You can see in this chart that each of these stocks outperforms the market.
Again and again Bill’s stocks deliver greater gains than the S&P 500.
Most investors would be thrilled just to get the kind of growth these stocks deliver.
But remember, on top of these gains, you’re also getting paid in the form of dividends.
As of this recording, Bill has 15 stocks in his core portfolio that pay you about 60 times a year.
Or about five payouts a month.
That’s income you can use or put to work building your nest egg even more.
The magic combination, if there is one, is the simple formula Growth + Dividend Payouts = Dividend Machine.
So how does Bill select exactly WHICH dividend stocks to invest in?
In his words,
“It’s hard to put it down to one thing. I know people like to the idea of a single ‘trick’ that magically picks perfect stocks but we all know those don’t exist.
“The reality is that it’s the hundred little things I do to analyze a stock that makes the difference. When you choose a company to invest in your have to dig into their financials, you have to dig into the numbers of their business, and you have to understand if they are growing sales, and why.
“For example, there is a difference between a company that grows profits only because it’s cutting costs versus a company that has streamlined costs but is growing because it’s increasing market share.
“At the end of the day, you need to know these mundane details about the stocks you own.
“If you want to really be able to understand how to do this then the only way I know to give someone that knowledge is to let them see how I tear stocks apart before investing in them.
“I have a very systematic way of finding the stocks strong enough to put into my dividend machine. It’s a process. A way of thinking about stocks.
“The best thing I can do,” he says, “is to give you my own Dividend Machine stock recommendations.”
Bill’s been doing this for over two decades now. And unlike many of other writers and experts out there today Bill has actually puts his money where his mouth is. He built his dividend machine early in life and has been enjoying the fruits of his investing ever since.
In 2009, we asked Bill to help Newsmax readers build their own dividend machines so they could enjoy the comfort of a Never-Ending Nest Egg.
Many of the folks who’ve taken Bill’s advice and started their own dividend machines consider it the smartest money move they’ve ever made.
Like, Bill Garcia who knows he can take care of his wife and kids because of his Dividend Machine:
In a moment, I will show you how you can join these folks in creating your own Dividend Machine. And I am confident you can make it happen quickly . . . in just a few years . . . just like they did.
But first, let’s revisit Mike & Lisa, our average retired couple with a 401k & IRA.
We saw that if they sidestepped Wall Street fees by getting out of mutual funds, and instead received an average annual return of 10%, they could’ve made an extra $431,000 during their retirement.
Well, to date Bill’s Dividend Machine recommendations have averaged 25% returns per year.
Now, we all know that past performance is not indicative of future results. So, to be conservative, let’s assume Bill gets less than that. In fact, cut 10% off the top of that average annual return and assume, that by following the Dividend Machine, Mike & Lisa could get 15% a year.
Do you know how much money they could make, just from avoiding the hidden Wall Street fees and investing in the Dividend Machine? Well, let me show you.
That’s right, over eight hundred thousand dollars during the course of their retirement. And remember, that is JUST from the money they saved in fees by switching from mutual funds to a building their own dividend machine.
If they put their whole nest egg into a dividend machine — their $261,400, and managed 15% on average per year (which remember, is still 10% LOWER than Bill’s average) their nest egg could grow to over $4 million in retirement.
Of course Mike & Lisa wouldn’t actually make $4.2 million because the point of their retirement nest egg is that it’s supposed to generate an income for them.
So we’d have to assume they’d be withdrawing money each year and that would lower the total return they get. And that’s fine.
The point is, Step #1 of the Never-Ending Nest Egg — known as “Stop the Bleeding” saved Mike and Lisa $124,000.
Step #2 of the Never-Ending Nest Egg, start at Mile 5 and increase your speed . . . in other words, create your own Dividend Machine, gives them the chance to make over $4 million.
And all this for a couple who ENTERED retirement with just a little more than $261,000 in savings.
Now, for those of you who have less, think of it this way . . . you are saving 47% of your money, and then turning every $1,000 into $16,366.
And your income from your retirement nest-egg will increase in value every year.
Now do you understand why you don’t HAVE to run out of money in retirement?
Wall Street has pulled the wool over almost everyone’s eyes.
In a moment I’d like to send you all of Bill’s Dividend Machine recommendations.
As said earlier, this is not a risky investing strategy.
Recently, Bill’s Dividend Machine newsletter was ranked by the Hulbert Financial Digest as the #1 “low-risk” investment newsletter in the world out of thousands of newsletters.
But before I give you access to his entire set of stock recommendations, there’s still one more step to building a Never-Ending Nest Egg.
Let’s look at step #3:
Step #3 is “Stop the Stealing”
You can do this by eliminating the thousands of other hidden and unnecessary fees in all parts of our life.
You see, it’s not just Wall Street robbing you blind.
It’s the IRS, it’s the Social Security administration, it’s the utility company, the grocery store, the bank, the insurance company, the hospital . . . and every other organization dead set on taking you for every cent you are worth.
Of course, knowing the secrets to saving money can be difficult to keep track of.
That’s why Bill put together a library of reports showing you how you could save up to $60,000 in expenses this year.
He calls it “The $60,000 Nest Egg Booster.”
Bill told us a story about why it’s so important.
“Everyone knows Warren Buffett, one of the greatest investors of all time, has a reputation for being cheap. He drives a Cadillac, still lives in the house he bought for $30,000 decades ago, and prefers eating cheeseburgers to 5-star restaurants.
“But what most people don’t know is WHY he’s so thrifty.
“The REASON Warren Buffett, with his billions of dollars, is so thrifty is because he naturally understands the power of compounding. So when he sees the price of something, like a car, he doesn’t think about the sticker price. He thinks about how much that money could make over 10 or 20 years if he let it compound.
“So $10,000 today might cost him $100,000 or $200,000 down the road. When you price things like that it makes it much easier to say “no” to things you don’t need.”
Bill lives out this lifestyle as well.
He still drives the Jeep Cherokee he and his wife bought 15 years ago, and he still lives in their modest 2,000 square foot house built back in 1970.
And in this library of reports, Bill will show you how to cut your expenses without sacrificing our lifestyle.
For example . . . in the $60,000 Nest Egg Booster you will discover . . .
- An overlooked loophole called “FAASF” that could allow you to collet up to $152,000 in extra social security payments. Over 70% of seniors have no idea this loophole exists.
- How to pay zero taxes (or as close to it as is legally possible).
- A specific toll-free hotline you can use to apply for free prescriptions drugs
- An often overlooked government program that could give you free health insurance, free drugs, free mammograms and free disease screening — it has nothing to do with Medicaid or Medicare.
- 33 ways to save on healthcare this year.
All told, you could potentially save up to $60,000.
But let’s be conservative. Let’s say you save $10,000 a year, and keep in mind, you won’t have to give anything up or reduce your lifestyle one bit.
You just simply pay LESS for the things you are already spending on now anyway. And then you invest that extra money into your dividend machine.
Just look how that helps your nest egg.
If you save $10,000 this year, and every year after that, and put that money in your new Dividend Machine and get a 15% annual return, you could potentially get an extra $1,341,766 over a 20-year retirement.
Amazing how much money is available to you when you really start to look, isn’t it?
Just think about that.
Using the example of Mike and Lisa again, let’s go through the three steps again.
Remember, they have a nest-egg of $261,400. That’s the average nest-egg size of a couple looking to retire right now. If they do nothing, they will run out of money.
Stop the Bleeding. This step allows Mike and Lisa to save an extra $124,152
Start at Mile 5, and then speed up, allows them to take their full retirement amount of $261,400 and invest it at a conservative 15% annually . . . potentially turning their nest-egg into $4,278,212.
Stop the Stealing, allow Mike and Lisa to invest an extra $10,000 every year. When they reinvest that money into their Dividend Machine, they would be able to reach $5,456,314.
They went from $261,400 to $5,456,314.
That’s the power of building your own dividend machine. That’s the power of creating a never ending nest egg.
Now, we both know that this is the perfect scenario.
We will have to assume that Mike and Lisa want to withdraw some of their money as it increases. And that is fine. They will still make millions of dollars. Just like Bill Spetrino did.
It’s why he retired 20 years younger than most people retire.
It took him 10 years from the time he started building his net-egg to go from $9,000 in savings to retirement.
And today he makes 6 figures a year, just from his dividend payments.
Now it’s your turn.
You’ve seen the numbers. I think you’ll agree the information I’ve shared with you today has the power to change your financial life forever.
Wall Street has pulled the wool over America’s eyes. They are sucking your retirement away from you and making your financial life much harder than it needs to be.
The numbers I’ve shared with you today are hard to believe, aren’t they?
Before Bill showed me the math, I never would’ve believed I was paying so much money every year to Wall Street.
There’s no justice in the fact that Wall Street will be able to make MORE money from YOUR savings then YOU will.
It’s not right.
Thankfully you don’t have to put up with it.
That’s why Newsmax sought Bill out. He didn’t come to us, we went to him.
We recruited him to help our readers do what he’d already done: become financially free.
We asked him if he’d be willing to help you do what he did.
To help you build a Never-Ending Nest Egg that could grow even as it supports you.
Bill put together a Dividend Machine that has averaged 25% returns a year since we started it.
The average stock held in that Dividend Machine portfolio has generated 156% total returns.
Enough to more than double your money WITHOUT costing you an arm and a leg in hidden fees.
I’d like to give you access to that portfolio today by giving you full privileges to Bill’s Dividend Machine newsletter.
Your Dividend Machine membership includes . . .
- Access to Bill’s Monthly Dividend Machine Newsletter — this is a short 8 page letter that comes out monthly. In it, Bill simply talks to you . . . he tells you what is happening in the stock market, and gives you recommendations for your Dividend Machine Portfolio. It’s a fun read that will help you navigate the stock market . . . and help you never worry about losing money in stocks again.
- You will also get Access to Bill’s Dividend Machine Portfolio — Bill puts his Dividend Machine Portfolio right out there for you to see. It has every stock he is recommending . . . he tells you what you should buy it for and when it is time, what you should sell it for.
- Your membership also includes the entire Library of special reports Bill has written for his members will also be yours. This includes reports on the 5 best stocks to buy right now, the world’s greatest dividend stock, the “Slash Your Taxes” guide, and the incredible popular Rich By Friday report.
- You will also get exclusive Access to the Dividend Machine website: Bill’s Dividend Machine website includes everything Bill has ever written or said to current subscribers. Additionally, he has a suite of tools for you to use to get started . . . such as a free report called The Investing 101 Guide that will help novice investors get started with ease.
- You will receive Weekly Updates — every Tuesday, Bill will send you an email from his personal computer . . . updating you on the portfolio and what is happening in the stock market.
- Bill also does Weekly Podcasts — These come out every Thursday. Bill just records a short message and will usually go into detail on one or two stocks that are in your portfolio
- And you will get Trade Alerts: When it’s time to make an adjustment to your Dividend Machine portfolio, Bill will send you an email. The email will just give you trading instructions that you can share with your broker, or go online to make the trade on your own.
- Finally, you get complete Customer Service Support: If you have any questions about your membership — whether if it is a question about placing a trade or logging into the website, we have a team of over 30 trained customer service representatives that can assist you.
Thanks to Bill’s Dividend Machine, you won’t be buying anyone on Wall Street a luxury car.
Your money stays where it belongs — with you.
You won’t find a better resource for investing your money today.
Remember, the Dividend Machine was recently ranked the #1 “low-risk” investment newsletter in the world by the Hulbert Financial Digest, the leading authority on investing newsletters.
Right now it includes fifteen “perfect” stocks. Companies with the right balance of dividends, growth, and safety.
This portfolio will free you from the Standard Retirement Plan that has you investing in mutual funds and losing so much money to fees.
Bill will show you step-by-step how to build your own personal dividend machine, the safe way.
Remember, he has both built his own Never-Ending Nest Egg that tripled his income since he retired AND he has helped other investors build their own Never-Ending Nest Eggs.
If you’d like Bill to help you build your own Never-Ending Nest Egg, and to help you launch a dividend machine that pays you regularly, then the smartest way to start is to join Bill Spetrino’s Dividend Machine newsletter.
The newsletter has been built around a simple idea: “Give a man to fish and you feed him for a day. Teach a man to fish and feed him for a lifetime.”
So first, Bill will “give you a fish,” he’ll do all the work for you, for as a long as you want him to.
He will take you by the hand and layout an entire Dividend Machine portfolio for you.
You’ll be able to see what specific stocks he recommends you include in your own Dividend Machine. He’ll tell you at what price the stock is a good value so you know when to add them to your portfolio.
Basically Bill has built you an entire Dividend Machine that comes “out of the box” ready for you to start.
You can get going with as a little or as much as you’d like . . . whether you have $1 million in savings or $1,000.
And my guess is that within a year, you will end up putting more and more of your money in the Dividend Machine.
That’s what happed to current subscribers like Richard Williams
If you want to join Richard Williams and other members of the Dividend Machine service, just click the button below this presentation. You can get started today completely risk-free.
Also, Bill wanted to do more than just “feed you for a day” so the second part of your membership is where Bill will train you to fish.
As mentioned, Bill does regular online podcasts exclusively for his Dividend Machine readers.
This allows him to discuss your stocks, the state of the market, dividend payments, and all the things that matter to you when you’re building your own Never-Ending Nest Egg.
He’ll even keep you up to date on when you can expect each of your dividend payouts.
You will get to see how he analyzes and chooses stocks. How he decides when a stock is no longer worth owning and more. This is the investor education we all wish we got back in college. This is the training that makes people rich.
I hope I’ve been able to convey to you the reality that almost all of the financial fears people have about retirement can be completely overcome by making a few smart choices.
So if you feel it’s time to start your Never-Ending Nest Egg then I urge you to join the Dividend Machine today.
We’ve made it absolutely easy, simple risk-free for you to try. Here’s the deal,
I’ve talked with our publisher and we agree that getting The Dividend Machine into the hands of more Americans is one of the most critical things we can do.
It can be a life saver for many Americans.
And a life sweetener for many more.
That’s why we will guarantee your decision to try The Dividend Machine.
Get your membership today and if, for any reason at all you feel like it’s not right for you then I will buy back your membership at any time during your first 60-days.
That gives you two full months to review all of Bill’s recommendations, to do your due diligence on everything he’s said and recommended. To be clear, you will receive everything he has ever written or said dating back to Day 1.
Once you see how great he has done, you will see why his current subscribers have become Dividend Machine evangelists.
As I showed you earlier, every year you’re nest egg is invested in mutual funds costs you around 3.17% in fees. You’re paying $3,170 for every $100,000 you have saved.
Compare that to the cost of a year subscription to Bill Spetrino’s Dividend Machine.
And remember, you have 60 days to decide if Bill’s newsletter is right for you.
And no matter what you decide, the $60,000 Nest Egg Booster library of reports is yours to keep for free.
So take the 60-day trial of the Dividend Machine. You could save tens of thousands, even hundreds of thousands of dollars by avoiding fees.
And then you can put the money you saved into your own personal Dividend Machine.
But the longer you wait, the less you’ll make. So please take a moment right now to secure your 60-day trial to the Dividend Machine now.
You know, over the years here at Newsmax we’ve noticed a common thread in people who follow services like Bill Spetrino’s Dividend Machine.
These people are the rocks their families depend on.
The people who take the time to think and plan ahead for the rainy day, not for themselves, but for their spouses and for their children and for everyone who depends on them.
They worry about what’s happening in the economy and how the decisions our government makes will affect your investments — not because they’re obsessed with money, but because they’re obsessed with protecting the financial stability they’ve worked their whole lives to provide to their wives or husbands and kids and grandkids.
They’re the ones who pass on financial wisdom to their kids and grandkids. The people working to help the next generation succeed.
These are the people who choose to stand on their own two feet financially.
And be great role models for the next generation.
We’re proud to play a small part in that.
I hope the insights we’ve shared today will be things you can use to improve the lives of everyone who depends on you.
I don’t believe there is a better, simpler, or easier way to dramatically improve a person’s financial situation than to abandon the Wall Street promoted retirement plan and switch to building your own dividend machine.
Because it’s not too late to start your Never-Ending Nest Egg. Bill has done, and will continue to do, all the heavy lifting for you.
Just hit the button below this presentation to get started with The Dividend Machine right now.
I’m Jeff Yastine, thanks for watching.
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