From 2001 to 2004, the average US stock portfolio dropped 34% while the average house appreciated 21% which has made the home an invaluable investment—especially for average Americans. When I meet with clients, I frequently hear them express their need to plan financially and their intention to simply tap their home equity, 5, 10 and 15 years down the line when needed.  Clearly the home is a valued investment, but one that is not properly understood by most homeowners.  The rules of money have dramatically changed since the time of the Great Depression at which time we learned to loath mortgages and this value has been passed from generation to generation—without really understanding the cause of our concern. 

Borrow Smart, Retire Rich is an attempt to enlighten the reader about the new rules of money and introduce strategies for understanding the home as it compares to other investments.  Some benefits of reading this book include the following:
- A better understanding about the tax advantages of home ownership
- Strategies for optimizing those tax advantages over the life of the loan
- Understanding your EPR®
- Investment ideas to help you maximize your home and investment wealth

According to Fannie Mae, 67% of Americans have more wealth in their house than in all other investments combined.  Isn’t it time you arm yourself with knowledge to better understand the largest asset in your portfolio to maximize your wealth and plan better for life’s expected and unexpected events? 

This book is an easy read and well worth your effort to borrow smart and retire rich. Call to request your copy today.  

Carl Spiteri
Certified Liability Advisor
619.544.6444