Today’s Issue

Alright Investors your friend in success here,

I want to give you an insider’s prospective on what an IRA can do and what it cannot. How it doesn’t always fit everyone’s money lifestyle.

The choice of whether or not you should work an IRA comes down to: where you are and where you want to be and whether or not you are actually compounding the money in the account at a rate higher than inflation is eating up the value.

The IRA is many things but the reality is that your money is not accessiable for a long time without paying a penalty to get to it.

🎯Is an IRA the biggest wealth myth you’ve been sold?

The IRA was born from the Employee Retirement Income Security Act of 1974 and obviously the big pitch was that an employee could save money for retirement, defer the taxes, and allow the employee to hedge the company pension.

Protecting your lifetime earnings was a big fear in the 70s. In 2025 not everyone sees retirement the same way.

I mean in all reality the 1970s inflation and corporate stupidity were causing a huge country wide failure in pensions. Thus creating the disbelief for total reliabiltiy in the company to provide for your retirement.

How would you feel if your main source or only source of money for the future was in the hands of a corporate investor whom you never met or talked to?

Which is why I do not believe that anyone should have one source in an IRA for long term income for the future.

The darkside of this is what if the IRA wasn’t built to free you but to build up Uncle Sam’s tax fund and to pad the Wall Street insiders pockets.

📈 A Wall Street Investors Christmas (everyday)

IRAs were marketed as personal empowerment:

The IRA is powerful tool for Wall Street becasue it almost guarantees that money in huge bulk will flow into the money managers hands from the majority of the workers of the nation.

Then the IRA and 401ks gave rise to some super charged funds that now have huge voting power on the boards of some of the biggest corporations nationwide thanks to someone’s hard earned cash deposit.

Investment Companies were floated BILLIONS!

A business model for Wall Street and Uncle Sam’s slush fund:

The truth about IRAs is that from 1974 to today (2025) many boomers are just now hitting the age of beginning to withdrawal their funds and pay taxes. Now those taxes are flowing into the pockets of Uncle Sam because 90% of all IRAs owned are at a mataruation date of people having to withdrawal.

I take from that 2 items:

1) The huge push from congress to get rid of the IRAs tax benefits for a younger generation. Much like when congress restricted how much IRAs could be used to benefit real estate investors.

2) What if the large amount of IRAs being witdrawn from the market cause a subsequent decline that creates a large bear market for us current investors to contend with?

Contraian Angles that can create the IRA you need:

IRAs are a great compounding tool for those of you that have a goal to leave behind money for future generations or if you know your goal is full retirement.

The IRA can also be a powerful compounding tool for people that are willing to trade the money in the IRA or if you have an investment advisor that knows how to accomplish this.

I do not think that tax avoidance alone is a good enough reason to stash money in an IRA.

I use my IRA to take advantage of long term trends in the stock market by trading the short term movements that agree with the overall bull or bear market situation.

• Trading stocks that move around earnings or buying a stock of a solid company after a spilt.

• You can trade the indexes that mirror the markets movement by holding cash in big down swings and buying back in after the bottom has been found, tested, and started back on the upswing.

• Focus on trading just around earnings seasons and particular times of the year when the stock market really trends in one direction for months historically.

• You could start to see yourself earn more than 20% a year returns in your IRA. I have had years where I got 70% returns in my IRA only trading stocks.

When you start to think about the compounding of your money in that manner then conservatively if you are 30 now and start with $15,000 you can expect to have $3,000,000 or more in your IRA by the time you turn 59 ½

If you earn a passive income off the principle of 3 milllion of 10% only living off the interest gives you a $300,000 yearly income for the rest of your life!

Do not just buy into the hype and have an IRA because they are popular. Make sure your money choices and what you really want out of life fit having an IRA as one of your investment buckets.

I use it as one of my buckets but I am getting the most work I can out of the money that gets stashed in my IRA.

This is not just me talking here, because I know blue collar factory workers who use this stratedgy and have over $10,000,000 in there IRAs

It’s all about how you want to live now and later.

⚠️ Final Word + Disclaimer

The win isn’t the trade — it’s sticking to your plan. Protect capital. Stay intentional.
Keep going. You’re doing the hard part most never will in order to eventually live like most never have.

This newsletter is for educational purposes only and does not constitute financial advice. Always do your own research and consult a professional before making investment decisions.