Save $3,000 a year on mutual funds, insurance, etc. Buy online-skip the "middle-people" markup. Buy only what you need-with discounts. Use a Tax-FREE account. Never pay income tax. Future millionaires are obtaining all the information they need to make wise financial decisions FREE. The answers are online. The financial industry retail model is dying. People of all ages are shopping for almost everything online FIRST. Eventually, people will realize that their advisors are not worth the costs. Right now, because of hidden fees and charges, the industry gets away with robbing most working people of 40% to 60% of their potential retirement money. Currently, few financial statements provide the total actual costs in plain English. They hide them for a reason Right now, the industry takes over $600 billion away from working people trying to build their nest eggs. Most receive poor advice and thus earn less than a market index fund could provide. Likely, you are paying fees for things in your accounts you don't even need. You are probably using companies that are in business to serve their sales staff and their stockholders more than to serve you. For example: SBLI charged $384 for the same $300,000 30-year term policy that MetLife charged $983 for in 2009. Their financial strength ratings are A+ and their underwriting requirements are the same. The difference, $599, over 30 years is $17,970. If invested, that $599 can add $175,000 to YOUR assets when you need them. MetLife has to pay agents, Snoopy, high rents and expensive CEO perks. Today you can start keeping those extra premiums and advisor fees. You can accumulate that $175,000 instead of your seller keeping it. You buy only what you need directly from quality companies at a discount. You save $3,000 every year. You redirect it to your own Tax-FREE account. It takes only an hour to get started.