The Truth About Health Insurance
If you’ve just arrived in the United States, you’ve probably already heard a phrase that immigrants repeat all the time: “Here, getting sick is a luxury.” And unfortunately, it’s not an exaggeration. The healthcare system in the U.S. is one of the most advanced in the world, but also one of the most expensive and […]
Differences Between a 401(k) and an IUL
What is a 401(k)? A 401(k) is an employer-sponsored retirement plan that allows workers to save and invest a portion of their salary before taxes. It’s one of the most common retirement planning tools in the United States, and its biggest attraction is tax-deferred growth. How a 401(k) works in the United States Each employee […]
The 3 Mistakes That Hold Back Your Financial Freedom
I’ve spent more than 12 years working with families in the United States, guiding them through financial organization, economic education and future planning. And I want to tell you something honestly: the mistakes that block your financial freedom are not the ones you think. Most people believe their financial situation would improve if they earned […]
3 Mistakes You’re Making When Selling Life Insurance
3 Mistakes You’re Making When Selling Life Insurance Selling life insurance isn’t easy. Many agents start out full of enthusiasm but soon realize that convincing someone to invest in financial protection takes more than just knowing the product. Selling life insurance is, above all, a conversation built on trust.And when that trust isn’t built properly, […]
Pay Off Debt or Invest First? 6 Keys No One Explains
Many people who want to improve their financial situation face a dilemma that seems to have no way out:Should I pay off my debts or invest first? The truth is there’s no single answer for everyone. But there is a smart way to make this decision depending on your case. Today, I’ll show you how […]
How to Build an Emergency Fund from Scratch
Feel like saving money is impossible because your expenses or debt keep piling up?I get it—I’ve been there.But here’s a powerful truth I want to share with you: yes, it’s possible to build an emergency fund, even if your finances are tight. You don’t need a lot of money or to “wait until there’s extra.”You […]
Do You Have Unclaimed Money or Forgotten Benefits?
Many people in the U.S. have unclaimed money or unused benefits—and they don’t even know it.From unused insurance policies to dormant bank accounts, these financial resources could amount to thousands of dollars just sitting there, waiting to be recovered. Where Could That Forgotten Money Be Hiding? Taking a closer look at your financial situation can […]
Will Health Insurance Premiums Go Up?
In recent weeks, many people have been hearing about the Big Beautiful Bill and are wondering if their health insurance is going to change or get more expensive. So today, I want to break it down for you: What Is the Big Beautiful Bill? The Big Beautiful Bill is a proposed piece of legislation aimed […]
Is Life Insurance Only Useful When You Die?
Is Life Insurance Only Useful When You Die? For years, life insurance was seen as something that only helped after you passed away. But that’s no longer the case. Today’s policies have evolved—and now, you can tap into your life insurance while you’re still alive. And that could mean the difference between a financial crisis […]
5 Common Financial Mistakes
Avoid the most common financial mistakes that threaten your peace of mind and future. Learn how to plan wisely and protect what matters most.