ATTENTION PARENTS:
Did You Know The Fastest Growing Group of Bankruptcy Filers Is Now People 25 Years Old and Younger?
And Today, More 18 to 34 Year Olds Than Ever In History Are Not Self Sufficient and Living At Home With Their Parents
Dear Parents,
My name is Joey Fehrman.
When I was growing up, I was very lucky to have parents that loved me very much and gave me a happy childhood.
But my parents did not teach me about money simply because they hadn’t mastered it themselves. They didn’t know what they didn’t know.
After high school I discovered I was far from alone. None of my friends, associates, or the kids around me knew much of anything about making and managing money. Even today a recent study found that almost 90% of teens say they know little to nothing about managing money.
I set out to learn all I could about money. I spent years of study, read hundreds of books and sought out countless mentors and advisers. In fact I became an Ivy League graduate with over seven years experience in finance. I have managed millions of dollars for wealthy families and institutions for two large wealth management teams at top-tier investment banks.
I also studied for years to become a Chartered Financial Analyst, the gold-standard designation in the finance industry.
My Appearance and Interview on CBS Morning Show
What Does All This Mean For You?
There is a great need.... After years of experience and learning, I looked back to where I and so many others were as teenagers. Then I discovered that things really have not changed and the staggering statistics of young bankruptcy.
So many young people 25 years old and younger in bankruptcy.... how can that even be? It makes perfect sense when you find out that less than 5% of adults learned about the vital life skill of money management in elementary or high school.
The GOOD NEWS for you: There is something you can do for your son or daughter to help make sure your teen avoids the mine field of money pitfalls that await them.
The Number One Reason People Under the Age of 30 are Heading Off the Bankruptcy Cliff in Droves
When you know that less than 5% of adults learn about the vital life skill of money management in elementary or high school... it’s no surprise so many end up in financial ruin. The number one reason so many young people are now filing bankruptcy is a lack of money knowledge.
A Lack of Money Management Knowledge and Today’s World of Instant Gratification Marketing Has Created the " Perfect Storm "
With the absence of any meaningful money education and in an advertising world that repeatedly drills ‘you can have it all now’ into their brains, kids today don’t stand much of a chance of building financial success.
When I realized all I have learned about money I knew I could help. Young people do not need to know everything I learned or a financial degree to manage their money. They just need the right information that will keep them on track.
Discover How You Can *Set Your Teens Up For Life* With Financial Freedom…
Even If You Don't Have a Single Penny to Give Them!
I put my shoulder to the grindstone and burnt the candle at both ends for months creating courses that parents can teach to their children in a fun and easy way.
I created: Pirates of Financial Freedom and The Family Treasure Chest
" The Family Treasure Chest is Interactive,
Entertaining, and Empowering! "
You don’t have to spend months or years learning what to teach your kids. I distilled only the knowledge they need. This is information that you cannot find anywhere else.
You can teach and learn, watch videos, and read the courses with your teen... in fact even the whole family can be involved. I know how fast the time can go, so I want to give you more quality time with your kids. You can also share your own lessons about money with your children.
These lessons come alive for your child and he or she will have a positive association when it comes to learning about money. If you teach someone about money, but they are bored, confused, scared, or sad when they are learning, they will NOT feel positive when they think about managing money. This program keeps teens engaged and is active, alive, and happy, so that they will want to keep learning and keep taking action because it feels good.
The program is filled with group activities, music, and funny jokes! Pirates of Financial Freedom was a Top Five Finalist for a prestigious national award in the humor category. I am pretty sure this is the first time a finance book has ever been a finalist for a humor award!
This is not passive learning, You Will Be TAKING ACTION. This is not a program where you learn a bunch of theories and then don’t change anything.
Each week your teen and your family will be involved with exercises to do. You will be TAKING ACTION and you will make progress towards your goals every single week.
How Does This Wonderful Program Work?
This is so easy...
With Just 8 Easy Courses Your Family Can Have the Knowledge and Tools Needed to Create a Financial Future You Can Be Excited About
Each week you will get a new video that you can watch together as a family
Each video covers a different topic that will help you achieve financial confidence and stability
Each lesson comes with homework so you can take action on these lessons and actually start to see results
Each week you will read chapters from Pirates of Financial Freedom so you will finish the book within the eight weeks
You Don’t Have to Spend Months or Years Learning
Everything to Teach your Kids
It’s All Right Here
What All Is Covered in this MasterClass?
These are Proven Principles that have Changed the Lives of Countless Families for the Better and They can Change Yours too!
What you (your kids) are going to learn:
What is Financial Freedom? What does it mean to Live Below Your Means? Is there a Secret to Becoming Wealthy? What is Income vs Wealth? What does it mean to calculate net worth, when should you do it, and why is that important? What are Assets vs. Liabilities? When should you get Financial Advice? Dangers of Credit Cards What is Moderation vs Elimination? What is the Secret to Happiness? What does it really mean to budget your money? Why do you need to Calculate Discretionary Income What is the importance of Needs vs. Wants? What is the Millionaire Mind Set? How can you pinpoint your Limiting Beliefs and eliminate them for good? How many ways are there to Increase Your Income? What do you need to know about Stocks vs. Bonds and Interest Rates?
And so much more!
Maturity Dates • US Treasury Bonds vs. High Yield Bonds • Why Stock Prices Move • Warren Buffett’s Two Rules of Investing • Shareholder Rights • Social Security • Inflation • Taxes • Retirement Planning • IRAs • 401(k)s • Pay Yourself First • Think Delay • Ten Times Test • Whether You Think You Can or You Can’t, You’re Right • Compound Interest • Emergency Fund • Company Matching Contributions • Cliff Vesting vs. Graded Vesting • Target Date Funds • Asset Allocation • Types of Asset Classes • Time Horizon • Risk Tolerance • Dollar Cost Averaging • Exchange Traded Funds (ETFs) • Getting Out of Debt • Charity • Debt Snowball Method vs. Highest Interest Rate Method • Dangers of Making Minimum Payments • Collateral • Renting Versus Buying a Home • Private Mortgage Insurance (PMI) • FHA and Fannie Mae Mortgages • Fixed Rate vs Adjustable Rate • 3% Down Payments on Home • Home Ownership Expenses • Mortgage Interest Payments • Debt-to-Income Ratio • Loan-to-Value Ratio • Consequences of Defaulting • Improve Credit Score • FICO Score • Experian, Equifax, TransUnion • Credit Report vs. Credit Score • Identity Theft • Pain vs Pleasure • Side Hustles • How Credit Scores are Calculated • SMART Goals • Accomplishing goals faster • SCWAK Goal Achievement Method • Roth vs Traditional IRA • The 4% Rule • Life Insurance • Health Insurance • Estate Planning • Wills • Living Will • Durable Power of Attorney • Entrepreneurship • Renting vs Buying a Car • Paying for College
As you can see I have poured countless hours over months and months into covering everything your teen needs to know to increase his or her potential for a financially happy future. I distilled only the knowledge they need. An education that you cannot find anywhere else.
There is No Other Teaching Program Like This on Earth
If you have tried to learn personal finance from other books or programs, you probably found them to be not that great. Maybe they were hard to understand, difficult to implement, you didn’t follow through, you didn’t finish it, or maybe you fell asleep while learning!
The Family Treasure Chest is different because:
The lessons are easy to understand. This is specifically designed for teens, but presented in a way that people of all ages can greatly benefit. You take small actions each week that are easy to do, and these add up to a big difference over the eight weeks. Our videos and book are actually entertaining. Your whole family can spend quality time together. You learn how to get the millionaire mind set, which is half the battle for financial success. Your teacher has actually co-managed half a billion dollars and has learned from dozens of millionaires and billionaires
Alicia is Just One of Many Moms That Have Discovered You
Can Have Fun While Learning Finance
You are Getting All 8 Comprehensive Learning Modules
Learn how to help your son or daughter break through the limiting beliefs that keep most people from ever achieving wealth.
Your children will discover how the rich think and they will form habits that can help them reach new heights financially
If your children don't learn how to manage their budget, they will live paycheck to paycheck, have an ever increasing credit card balance, and won't properly fund their financial goals which means they'll never achieve them.
Your children will discover how to best allocate their paycheck with a sample budget and set it up automatically so they can be financially responsible and achieve their financial goals the lazy way
If your child has a low credit score, that can prevent them from getting a good job, a low mortgage rate, and will force them to pay more in interest payments. If your child doesn't understand the dangers of debt, they might have a huge debt balance that could force them into bankruptcy at an early age.
You will learn how to get out of debt, how to prevent getting into debt in the first place, and a step-by-step system for raising your credit score
If you don't prepare for financial disaster ahead of time, you will be caught off guard, you will experience a high level of stress, and you might be forced to make unwise decisions.
By having a plan laid out ahead of time, you can handle financial disasters while being calm, collected, and prepared.
If you don't understand how to invest, you will always have to work for your money rather than having your money work for you. You will pay more in fees, make less money in your 401k, and be less financially prepared for retirement.
You will learn the fundamentals of investing so other people can not take advantage of you, you can retire earlier, and you can save money on taxes.
If you don't have a plan for saving for and paying for large expenses, you might for be forced to pay more than you'd have to, make unwise decisions, and be unprepared.
By having a plan, you can be less stressed, save taxes when paying for college, pay off your mortgage faster, and save money when buying a car.
Most financial gurus talk about the importance of saving more money, but the way they got rich was by making more money. If you don't know how to increase your income, it will take you a long time to become rich.
You will discover many ways to make more money in the short to medium term which will give you more breathing room, allow you to invest more money, and enjoy the finer things in life today rather than decades in the future.
If you only learn about finance but don't put any of it into action, your life is not going to change
Solution: You will discover the step-by-step process to follow in order to accomplish your goals faster, create more free time, and live a fulfilled life.
And You Are Getting a Copy of My Popular Book:
" Pirates of Financial Freedom” Absolutely FREE!"
The Award-Winning Pirates of Financial Freedom is Included!
• Pirates of Financial Freedom is the first personal finance adventure novel
• This award-winning book has action, humor and romance while teaching over 100 money lessons
• It won 1st Place at the Los Angeles Book Festival in the Business Category
• Top Five Finalist for the Foreword's Book the Year Awards in the Humor Category
• Used to teach financial literacy in high schools all across the country
• It is an approved resource for Jump$tart, W!se Institute,Council on Economic Education, The Literacy Center,Canada Financial Literacy Database, and many more
" Wow! What a refreshingly original manuscript! I have read and edited hundreds of books and can say that I haven’t encountered anything quite like it before. It was action-packed and the characters were larger-than-life. Joey has a solid writing style and the overall story arc was strong. I enjoyed reading the book and felt it provided a lot of helpful financial advice.” - Winslow Eliot, Editor and author
" Shiver me timbers! The nominal exploits of an anachronistic group of 17th century buccaneers becomes the vehicle for better understanding personal financing 101... A novel way to explore the fundamentals of sound financial planning.” - Kirkus Reviews
" It's like an 'everything you always wanted to know about your finances but didn’t know who to ask' kind of story. It’s great! Delightful read and informative at the same time. I will definitelyrecommend it to my young adult clients since the story is entertaining enough to hold their attention, and the financial advice is so good everyone can benefit from it." - Juli Shulem ADHD Productivity Coach in Santa Barbara, CA
How Much Is This Extensive Program Worth?
If we help your son or daughter avoid an early bankruptcy that can scar his or her financial psyche, save your teen from years of binding credit card debt, reduce a lifetime of stress that can come from being financially overextended, and add to his or her happiness... then what we are doing here could be priceless.
This is not an expense but a wise investment. An expense is something that won't make you any money, like clothes or a vacation. Once you spend your money on an expense it’s gone forever and the benefit is often short lived. But with this course, think of how much money you could save, how much extra money you could make, and how better off your financial future could be.
The ROI (Return On Investment) for The Family Treasure Chest could be off the charts and put thousands or hundreds of thousands of dollars in your teen’s and family’s future.
Because this is high-caliber content targeted to your teen and not available anywhere else, if this were presented as college courses the value would be in thousands of dollars. But right now I have a special deal for you. You are getting the entire program and a FREE copy of ‘Pirates of Financial Freedom’ for 75% Off the suggested retail price of $400. That’s right... only $97. for everything.
[]
" As a responsible parent you realize you’ve got to do this. "
It is your job to protect your children, and we all know one of the biggest risks in today’s world is financial insecurity. You want your children to be happy, but how can they be happy if they will always be stressed by their finances? If no one ever teaches them these lessons, how can they hope to flourish as they get older?
How Would Your Life Be Different Right Now If You Knew These Lessons When You Were A Teenager?
If you knew the power of compound interest, or the dangers of debt, or how to be an intelligent investor, how would your financial situation be different?
How much of an impact could even just one vital lesson have on your children's financial destiny?
If you started investing even just $5 a day when you were a teen, at an 8% return what could your net worth be today?
After just 10 years, you'll have $28,553
After just 30 years, you'll have $223,281
After just 50 years, you'll have $1,130,901
Imagine living debt free: no mortgage, no credit card payments, no car payments... nothing.
And having enough savings in the bank that you never have to worry about money.
Imagine How Far Ahead Your Teen Can Be By the Time
He or She is 25 or 30 With All This Information
With so many young people heading to bankruptcy court or enslaved to an unsatisfying job because of a future filled with years of debt, imagine if you could help your child avoid all this misery and instead live a life without the stress of money problems.
This is what you can give your children.
Give Your Child(ren) A Gift They Will Be Grateful for the Rest of Their Life
I know you love your kids, and I know you’ll love the Family Treasure Chest. Take time to enjoy your family as much as you possibly can. And take action. Taking action is the most important lesson in life. Whatever your goals are, take action towards them because otherwise nothing will change. So, can you accomplish your goals? YES YOU CAN!
[]
Frequently Asked Questions
How is this product delivered?
Everything is delivered digitally via email so you can easily access the material from anywhere. You will have lifetime access.
What if I don’t like this program?
Try it for 60 days and if for any reason you are not overjoyed I will refund your money.
Do we have to watch it as a family?
You don’t have to. Your teen can watch it by themselves, or you can watch it by yourself. However it is more fun if you watch it with others and the lessons are designed for family members to interact with each other. But this is not a requirement and you can still learn all the lessons if you choose to watch it alone.
What ages can watch this?
This program is designed for teens to watch with their parents, but the content is great for all ages. Whether you have a 7 year old or a 70 year old in the family, they all can learn valuable lessons.
Why should I buy this today instead of waiting?
Why would you wait another day to teach these super important lessons to your family? Every day that you do not have this information is costing you and your family money! Act today!
Are these financial lessons geared toward kids, so adults will already know them?
Definitely not. For example, when I managed money for millionaire hedge fund managers, a lot them didn’t know simple personal finance concepts such as the importance of having a will. As they say, common sense isn’t so common anymore. So unless you are a personal finance super-expert, even educated adults will learn new concepts.
How long is each module?
Each video varies in length, but they are about 45 minutes to an hour on average.
I have a question that isn’t covered here, who can I ask?
Go ahead and send an email to support@poffbook.com and we will be happy to answer it for you.
I already purchased this course. Where do I sign in?
You can sign in at http://www.poffbook.com/tftc-login/
Is it actually entertaining, or are you just saying that?
Yes, it is actually entertaining! But don’t just take our word for it, read the testimonials from all the people listed above.
Is there a guarantee?
You bet! We guarantee that you will learn the techniques and tools needed to increase your family's net worth by at least $10,000. We also have a 60-Day 100% Satisfaction Money-Back Guarantee.
[]
© 2018 Ludus Media
[ Legal Information ]
Disclaimer: ClickBank is the retailer of products on this site. CLICKBANK® is a registered trademark of Click Sales Inc., a Delaware corporation located at 1444 S. Entertainment Ave., Suite 410 Boise, ID 83709, USA and used by permission. ClickBank's role as retailer does not constitute an endorsement, approval or review of these products or any claim, statement or opinion used in promotion of these products.
