You are overpaying for most financial services. You are paying for "bells and whistles" you don't need. Save $3,000 or more EVERY year on overcharges. Invest that $3,000-accumulate $500,000 in 26 years. Your financial team-agent, banker, broker, advisor and money manager-have been taking at least $3,000 every year from you. They only make finance seem difficult so you keep paying. I have been in financial services for over 20 years. I was part of the management that picked the products you bought. Our decisions began with how much we earned from your purchases not what value you received. The banks, insurer, and brokerages I worked for were more concerned with the commissions, fees and charges we could extract from you than the quality of the products. For instance, you are paying for some coverage twice in your auto policy. You are overpaying by up to 300% in life insurance. You are paying THREE times the fees you need to in your 401k and brokerage accounts. Your bank is actually charging you to use your own money while they earn 4% to 12% on that same money. You are giving away up to 40% of your potential wealth over time. In the 21st century, you can purchase all your financial needs at a substantial discount. I will show you how to buy value-quality at the right price. Avoid commissions, charges and fees. Buy only what you need and save. Invest your savings for your future wealth, not theirs You are paying more than you need to pay. You may be paying for things you don't even want. You are probably using companies that are in business to serve their sales forces and owners more than to serve you. See the list of fees, commissions and charges to avoid below. Build your own wealth; not that of your vendors.