Concept
Are you 100% sure you'll have a great retirement, or do you have some doubt?
What if we could show you how to be out of debt in 9 years or less including your mortgage and student loans without spending any additional dollars than you’re spending right now?
Many Americans are on a treadmill, with goals to be further ahead but just can’t seem to get there with tax, tuition, inflation, the rising cost of health care, and countless other factors.
Enter the Debt Free Life concept that SERHJ FINANCIAL has adopted.
A unique way to get off the treadmill. It’s rather simple actually… stop paying banks and lenders. Take every dollar and make it go to work for you. Avoid risk and secure your future with guaranteed growth you can count on.
The average individual pays 34% of the money they earn in a lifetime out to interest.
This interest goes to cars, credit cards, student loans, mortgages, etc. all the things we finance is interest going out …and we pay taxes!
About $.40 of every dollar the average American earns goes out to taxes. Everything from income tax, to sales tax, capital gains tax, gas tax, estate tax etc.
This leaves approximately 26% to pay for everything else like vehicles, clothes, insurance, entertainments, gas etc. We call this Lifestyle money. Of this amount only 3% goes towards savings
Most financial advisors concentrate on that 3% savings. You know what they say… “You’ve got to save more money” but most people are unable.
With the Debt Free Life concept, we focus on the problem, 34% going to interest and 40% to taxes.
What if we could reduce that 34% going to interest and also reduce taxes? That would allow for more lifestyle money and would also free up cash to contribute towards savings!
Let's look at how banks leverage cash flow
You put a $10,000 in the bank, and the bank may give you less than 1% interest on those funds.
Walk in the next day and try to get a $10,000 loan, what would your interest rate be? …24%, 12%, 5%, 29% it all depends on variables like credit score, what you’re getting a loan for etc.
You make 1%. The bank makes whatever percent they choose because banks are a business!
I was reviewing our bills and was frustrated that no matter how hard I tried, I couldn't seem to lower our debt. I couldn't figure out what I was doing wrong. After listening to the Debt Free Life Program from SERHJ Financial and seeing the numbers on paper, I have to admit, the program intrigued me. I told them that at this point there had to be a better way than what I was doing and was willing to try anything. Come to find out, (this) way was better. We have now been on the plan for almost two years now and have paid off over $50,000.00 in debt. I should also mention that we have not had to change our lifestyle either. Our personalized financial plan shows that we could be completely debt free within 10 years, including our mortgage, and still be able to send our 2 children to college and retire without financial hardship. Thank you for being patient with a skeptic and providing the tools to obtain a debt free future.
Ibrahim
DC
SERHJ Financial Group
For most people, debt hinders wealth creation, at SERHJ Financial our unique and proven system shows clients how to get rid of all debt including mortgage and student loans in 9 years or less and build wealth without spending any additional money.
Contact Us
6202 Richmanor Ter
Upper Marlboro, MD 20772
mbah@serhjfinancial.com
240-432-7168
Products & Services
- Debt Free Life
- Tax Free Retirement
- Life Insurance
- Mortgage Protection
- College Funding Plans
- 401 (k), IRA, Roll-Overs
- Estate Planning
- Indexed Annuities
- Disability