5 Secrets to Wealth. Every Woman Needs To Know To Be Financially Free. By Nancy L. Gaines, Founder Women Gaining Wealth, LLC

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1 5 Secrets to Wealth Every Woman Needs To Know To Be Financially Free By Nancy L. Gaines, Founder Women Gaining Wealth, LLC

2 Thank you for requesting this free report and taking steps toward your own financial freedom! You will discover five of the most important secrets for building wealth. With our seminars and coaching, we ve already helped many women take control and grow their money so they now live the life they desire. Please enjoy this report and watch your for more great money strategies that can enable your own journey to financial freedom! 1. Build a Huge Nest Egg then enjoy your retirement stress-free Did you know that 60% of Americans have less than $25,000 saved for retirement and that the average Social Security check is under $1,200 per month? You can quickly imagine how this scenario isn t supportive of the carefree retirement most people desire. This doesn t have to be you. Here are the steps that wealthy women follow to have a stress-free retirement: Start early (or start NOW) and contribute the maximum allowed in your retirement accounts each and every year. Automate contributions to your retirement accounts by having money deducted from your paycheck. Enroll in your employer s matching program which is free money for you that grows and grows over time. Deposit your raises and tax refunds into retirement accounts (you are already living without this income, so it shouldn t be missed). Never borrow from your retirement accounts - that money must be paid back and you ll miss out on compounding growth. Start a part-time business so you can double dip with your retirement contributions you can max out contributions at work PLUS contribute from your business. Following each of these steps will build a huge nest egg that supports the lifestyle you envision so you don t have to live off a measly government check in your mature years.

3 2. Protect your Assets don t let someone steal what you've worked so hard to create You may think that doctors and corporations are the only people who should worry about protecting their assets. That s not true. Protecting wealth is important for every person who has worked hard to grow her money. Insurance is certainly a good start. It can protect you from loss of your possessions, life, income, medical expenses, assisted living expenses, etc. You also need protection from inflation, outliving your money, taxes, and claims against you or your business. Taking action now will protect your assets and save you money in the future. Here are the steps that wealthy women follow to reduce the risk of someone stealing your wealth: Purchase the right insurance from an independent agent (life, car, medical, disability, long term care, umbrella liability, and property). Structure your business and investments in the right legal structure (Corporations, Limited Liability Companies, etc.). Keep your investments in vehicles that grow faster than inflation so they don t lose value. Use asset allocation so your investments are diversified. Seek professional tax advice so you take advantage of every tax break allowed. Create an estate plan so your heirs keep more money and pay the minimal tax due. Only partner with reputable people when dealing with your money (banks, brokers, lawyers, accountants). Putting these actions in place will protect you from people who are trying to steal your hard-earned money so you keep more of what you make.

4 3. Make your Money Work for You let it grow on its own safely and predictably Many financial advisors suggest withdrawing no more than 3-4% of your nest egg each year to reduce the chance you will run out of money before you die. While building a huge nest egg is an important piece of wealth, supplementing that pile of money with monthly passive income is even better. That s because you have a stream of money coming into your bank account every month which doesn t run out unlike the nest egg which eventually depletes to zero. There are many passive income opportunities available. Some can be started with small amounts of money. Others require larger contributions. Remember, investments don t always need to be funded with your own money. You can borrow and leverage other sources of money like bank loans or angel investing. Here are some of the most popular ways wealthy women create passive income cash flow: Invest in the stock market for dividend, stock appreciation, and option income. Purchase real estate for monthly rental income and appreciation. Invest in peer to peer lending to fund start-up businesses that need capital. Create information to sell (ex: how-to books and videos that you write once, but sell many times). Partner with other companies and collect revenue as an affiliate. Sell items on ebay (buy low, sell higher). Create apps for mobile devices. Find a network marketing company you like and start your own business. Putting as many of these strategies in place will create passive income to support your lifestyle predictably month after month so you aren t relying solely on your savings and nest egg.

5 4. Eliminate Your Mortgage and other Debt enjoy peace of mind and have more money to invest and grow Do you realize that when you mortgage a house for 30 years at 4% interest, you are actually paying 72% more for the house? For example, a house you bought for $150,000 actually costs $258,000 by the time you make the last payment! That s like going to Home Depot and willingly paying almost double the price for a new appliance. Crazy, but that s how mortgages work and lenders make a lot of money off borrowers. The sooner you can pay off your mortgage and other debt, that faster you can repurpose that money toward your next egg and other passive income investments. One of the scariest, but smartest things I ever did was to refinance my first house from a 30 year mortgage to a 10 year mortgage. The new payment was $400 more per month which seemed like a fortune at the time! My mortgage broker assured me it was a great decision that he wished he could afford to do with his own house. I took a leap of faith on his word and refinanced. Today, that house is a rental income property that brings in passive income every month free and clear of a mortgage! Had I not refinanced into a shorter loan, I d still be paying off that mortgage today. I also have an open line of credit against that house to invest in passive income or other wealth opportunities. Here are some of the smartest steps wealthy women do to reduce their debt: Refinance your current mortgage into a shorter duration, a lower rate, or ideally both. Use the snowball technique to pay off other debt (credit cards, loans, cars, etc.). Obtain a line of credit (usually against a home) which can be your own bank. It s much cheaper to lend money to yourself (ex: to purchase a car) then to borrow from an institution like a bank or car dealership. In most cases, the interest is tax deductible, so that s an added bonus. Quickly paying off debt frees up money for passive income which can support your lifestyle instead of working some day job as an employee.

6 5. Adopt a Wealthy Women Mindset believe you deserve money and put it to good use. Do you believe in the Law of Attraction? That s the belief where "like attracts like" and that by focusing on positive (or negative) thoughts, you can bring about positive (or negative) results. Wealthy women 100% believe they deserve wealth and they laser focus on that goal. Your mind can t have the thought of I deserve it and I m not really sure that I deserve it at the same time. The brain only handles one emotion at a time and usually the negative emotion is stronger and wins. If you want to mirror wealthy women, you must 100% believe you deserve money and then be passionate about clearing your money blocks. It s on ongoing process, but in the end the universe wants you to have abundance! Don t fight it. Here are some of the common healthy mindsets that wealthy women embrace: Envisioning yourself getting and being wealthy is wonderful! Going after what you want and deserve instead of playing some expected social role is perfect! Seeking the education and skills you need to make wise financial decisions is a valuable investment in yourself worth every penny! Reframing how you think about money and wealth is an important key to financial success. You can follow all of the other advice presented, but if you don t have the right mindset, you only have part of the solution. It s simply a matter of controlling your thoughts and then taking action to move you toward outstanding results. Congratulations on being steps closer to your financial freedom! Be sure to watch your inbox for upcoming tips, webinars, and other tools to help you take charge and grow your money. At Women Gaining Wealth, we overwhelmingly support every woman s success on her wealth gaining journey through our accelerated programs. Align with us to fast track your progress! Our ultimate vision is to help every client reach financial independence - the point when you have the resources to live a great life, fulfill your dreams, and have fun along the way.

7 About the Author Nancy L. Gaines is the founder of Women Gaining Wealth. Life is so much easier when you are not worried about money! Let us help you live the life you desire with the money you earn. Or, let us help you have more money to enjoy an even bigger life! Money freedom allows you to live the life of your dreams! Our mission is twofold: First, we mentor women how to get their financial house in order. Then, we teach them how to build income streams outside of their jobs - recurring income that pays the bills - so they only have to work if they want to work. We teach the same money skills and methodology that we use ourselves. Nancy is a co-author of a book with Adam Markel, CEO of Peak Potentials, (a personal development education company) that will be published by The book is a collection of inspiring short stories about amazing life transformations that is a must read. You can preorder the book through the Women Gaining Wealth website. Connect with Nancy at the following: Website Facebook WomenGainWealth - Twitter WomenGainingWealth Google+

PNC is a registered mark of The PNC Financial Services Group, Inc.( PNC ) 2013 The PNC Financial Services Group, Inc. All rights reserved.

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