1. Million Dollar Choices TM Small ChangesLife Options

2. 3 Packs A Day 46 years Bank (4.2%) = Philip Morris Stock (12.9%) = $2,000,000 $100,000 Over Eighth Wonder Wonder MILLION DOLLAR CHOICES TM

3. 1 – R.E.S.I.R.V. R = Recurring E = Expenses R = Right S = Save V = Vehicle I = Invest you AND in the $ 2,000,000 Eighth Wonder Wonder MILLION DOLLAR CHOICES TM

4. 2 – Invest the Saved Taxes $50 - Taxes $100 – Spendable income $100 – Cigarettes RESIRV Match Tax Match $150 - Wages $1,000,000 Tax Match = 50% Federal Tax = 25% State Tax = 8% Total Tax = 33% $150 * 33% = $50 $100 ‘Million Dollar Choice’ TM $ 50 Tax Savings / MDC $2,000,000$3,000,000 MILLION DOLLAR CHOICES TM Eighth Wonder Wonder

5. Pretax Equivalency Rate How much do you have to Earn to Spend $100 in a 33% tax rate? Typical Answer = $133 After Tax Amount 1 – Tax Rate Formula = $100 1 -.33 = $100.67 $150= Actual Answer Actual Answer = $150 = $150 ($100x.33)=$33+ $100$133= MILLION DOLLAR CHOICES TM

6. 3 – Company Match RESIRV Match Tax Match Company Match For each dollar employee invests in 401(k) The employer invests one dollar in 401(k) The investment doubles in value! $6,000,000 doubles Employer Match = 100% MILLION DOLLAR CHOICES TM Eighth Wonder Wonder $3,000,000

7. 4 – Salary Index Match RESIRV Match Tax Match Company Match 20 year old 75% greater investment $4,500,000 Salary Index Match Salary $50,000 $52,500 $55,125 $57,881 10% $5,000 $5,250 $5,513 $5,788 1 2 3 4 5$6,077$60,775 $250 $513 $788 $1,077 Increase Salary Increase 5% SalaryIndexMatch = Year Eighth Wonder Wonder $10,500,000 MILLION DOLLAR CHOICES TM $6,000,000

8. A one-time choice that will increase your Point of Choice assets by multi-millions. R = Recurring E = Expenses R = Right S = Save V = Vehicle I = Invest you choose to AND in the RESIRVRESIRV Million Dollar Choices TM ENDOW A GREAT CHOICE To furnish or give a gift To provide a permanent fund or source of income def. – Endow A GIFT THAT GIVES FOREVER!

9. Daily Weekly Monthly Quarterly Annually 464,777 Saves $1 986 4,765 14,948 65,917 $ 110 One Time At age 65 20 Years Old 697,166 1,479 7,148 22,376 98,876 $ 165 50% Tax Match 1,394,332 2,958 14,296 44,752 197,752 $ 330 100% Employer Match 2,440,081 5,177 25,018 78,316 346,066 $ 578 Salary Index Match 464,777697,1661,394,3322,440,081 $1 $1 $1 Million Dollar Choice 20 Year Old Investor 65 Year Old Retiree $1.49$1.49$1.00$1.00$.50$.50$.28$.28 Daily Investment to have $1,000,000 by age 65 Million Dollar Choices TM MILLION DOLLAR CHOICES TM

10. Who wants to be a Millionaire? AgeMonthly 10 $ 4.26 20 $ 12.81 30 $ 38.84 40 $ 121.45 50 $ 421.01 60 $ 2,407.36 Assumptions: Federal/State Tax – 33% Salary Index Match – 100% Employer Match – 100% Investment Yield – 11% Assumptions: Federal/State Tax – 33% Salary Index Match – 100% Employer Match – 100% Investment Yield – 11% Million Dollar Choices TM Dai ly $. 14 $.41 $ 1.26 $ 3.94 $ 13.72 $ 78.69 Who Can Make a Million Dollar Decision Today? MILLION DOLLAR CHOICES TM

11. Having an inefficient intuitive sense what is in your checking/savings/credit card accounts Million Dollar Choices TM Monthly balancing check book and other account balances Categorizing expenses on a routing basis Projecting future categories and actual expenses Limiting future expenses based on projections Reducing future expenses based on planning and projections Level I Budgeting Level II Budgeting Level III Budgeting Level IV Budgeting... The future... The past Level V Budgeting Level VI Budgeting... Less than ½ of 1% of all Americans MILLION DOLLAR CHOICES TM

12. Million Dollar Choice Examples Million Dollar Choice Examples Term Life Insurance Cell Phone Eating Out Magazine Subscriptions Newspapers Car Insurance Internet Access Cable TV Electricity www.term4sale.com www.cellswapper.com www.finance.cch.com www.magazines.com www.discountednewspapers.com www.moneycentral.msn.com www.internet4free.net www.aupairinamerica.com www.energystar.gov

13. MILLION DOLLAR CHOICES TM Million Dollar Choice Examples Million Dollar Choice Examples

14. MILLION DOLLAR CHOICES TM Million Dollar Choice Examples Million Dollar Choice Examples Convenience Store – vs – Wholesale Warehouse

15. MILLION DOLLAR CHOICES TM Million Dollar Choice Examples Million Dollar Choice Examples

16. MILLION DOLLAR CHOICES TM Million Dollar Choice Examples Million Dollar Choice Examples Everyone Small Business Owners College Students

17. MILLION DOLLAR CHOICES TM Million Dollar Choice Examples Million Dollar Choice Examples Everyone Small Business Owners College Students Students have spent many hours researching savings opportunities for college students. We are confident that any person will be able to find a Million Dollar Choice they could easily choose to make. Click on one of the 12 categories of Million Dollar Choices shown above, and make your first Million Dollar Choice today. Remember, to qualify as a Million Dollar Choice, you must choose to invest the savings from your smart savings decision. TRANSPORTATION TRANSPORTATION RENT / APARTMENT RENT / APARTMENT FOOD FOOD INSURANCE INSURANCE DEBT MANAGEMENT DEBT MANAGEMENT DATING DATING ENTERTAINMENT ENTERTAINMENT TEXTBOOKS TEXTBOOKS PERSONAL / DISCRETIONARY PERSONAL / DISCRETIONARY TUITION TUITION EXPENSE TRACKING EXPENSE TRACKING

18. MILLION DOLLAR CHOICES TM Million Dollar Choice Examples Million Dollar Choice Examples Everyone Small Business Owners College Students

19. MILLION DOLLAR CHOICES TM Million Dollar Choice Model Million Dollar Choice Model 1.INFORMATION SOURCE Advanced Information Engines 2.GREAT CHOICE Acceptable Lifestyle Change Expense Efficiency R.E.S.I.R.V. – One-Time Choice 3.INVESTMENT Compelling Performance and Security Automatic Rewards – Multipliers and Matches 4.POWERFUL FUTURE VISION