Preview Mode Links will not work in preview mode



Phone: (866) 268-4422

Local: (602) 268-4422


Listen to Previous Radio Shows Below


Download the Your Personal Bank App

Google Play   App Store

Jan 23, 2024

Most Americans agree that our country is headed in the wrong direction.
If a talented team loses games, the coach goes back to basics, blocking and tackling. Teams have a philosophy, an identity. Countries have philosophies and identities also.
If you start a business and apply for a loan, the Small Business Administration and/or lender require a business plan. The business plan starts with a mission statement. When a business starts, does it live up to it’s mission statement? No. It is an aspirational statement. The mission statement is what the business aspires to.

What is the Mission Statement for the United States? The Declaration of Independence. 


Some people denigrate the founders and the founding documents because everyone was not treated equal. Also, slavery still existed. Did the United States start living up to the Declaration immediately? No. It is what our government and country aspires to.


For example, freedom thru the right to vote has expanded. We should be proud of that heritage, not denigrate it.


What is the mission statement for the United States?


The founders never intended for Americans to trust their government. The entire constitution is predicated on the assumption that government is a necessary evil, to be restrained and minimized as much as possible. The founding documents restricted government to limit its size, scope, and power.


"Government is not the solution to our problem; government is the problem." - Ronald Reagan


I believe you are not truly a US citizen without this understanding. You do not understand the United States mission statement.


I predict 2024 could become very chaotic. Risk in 2024 likely will be highly elevated. We are in uncharted political waters. Market risk will likely be higher.
- Market risk will likely be higher. Protect your money. Reduce your market risk. Diversify. Have some guaranteed assets.
- The government will be pressured to increase revenues as debt increases. Raising taxes is one method. Create a tax-free bucket of money.
Your Personal Bank dividends are interest rate sensitive and will thrive in a higher interest rate environment. Dividends are likely to increase for the next several years due to higher interest rates. 
Your Personal Bank funds grow income tax-free and you can access tax-free. This shields you from likely higher future tax rates. You can grow your money safely, with guarantees, tax-free, and highly liquid.

Contact me at if you want info on how to thrive financially in 2024.