Buy only what you need and save $3,000 every year. Accumulate $1,000,000 free of fees and taxes. Avoid the Wealth Killers. There is no better protection than having money The best guarantee of lifelong security is having money. Accumulating $1 million requires that we avoid high product and advisor fees, commissions, loads and ... taxes-the Wealth Killers. Since we need to buy protection-auto, home, health, life insurance-why not skip the "bells and whistles" and save $3,000 every year? We avoid fees by buying ONLY the financial services we need at a discount. We avoid taxes by using an IRS-approved tax-FREE account. We invest ALL our savings. We accumulate $1 million by leveraging the Miracle of Compounding over time. Tax-FREE low-cost growth of our savings can provide more to spend for the rest of our lives. We know that income taxes will increase to pay off two wars, two tax cuts and two bank bailouts. The wealthy stay wealthy by paying lower tax rates than we do. Warren Buffett pays only 17% total tax, Mitt Romney only 14%, and John Kerry only 13%. Most working people pay over 30%. What is your total tax rate? The wealthy stay wealthy by paying lower fees, charges and commissions. They buy only what they need so their costs are less. They don't use middlepeople because they know product providers only use their firms' high-cost products. We need to follow Benjamin Graham's advice and buy financial products like we buy "groceries, ... not perfume." We can do that when we have less-biased information to find the best alternatives for us. I help you decide which products are best for you; not the sellers. Compounding your $3,000 a year savings without fees or taxes is the key. Your edge is the miracle of compounding, inside a tax-FREE investment account. It takes only 1 hour to start building your $1 million protection.