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The Whole Truth About Money


Banking Profits

The Hidden Method that Earns Gains of 200% or More!

How banks earn money using leverage, and how anyone can use this same powerful strategy to their advantage.

Truth about the cost of college

The Million Dollar Degree

The Shocking True Cost of an Education

Once we understand opportunity costs, we realize the actual cost of an education goes far beyond tuition, housing and books! How to tell the truth about the cost of college.

What Dave Ramsey Gets Wrong

What Dave Ramsey Gets Wrong

About Mutual Funds, Life Insurance, and Math 

In this rebuttal of one of Dave Ramsey’s blog posts, Todd Langford uses the Accumulation calculator, small Financial Calculators, and the Market History and Life Values tools to reveal just how disturbingly wrong Ramsey’s assertions are. Then he shows how a whole life policy would have outperformed Ramsey’s recommended strategy, had his math been correct.

companies 401k mn

Business Owners Be Warned

How Your Company’s 401(k) Plan Could Be Bleeding Your Business Dry

Sometimes business owners are told half-truths by accountants and don’t fully understand the costs and the real returns they might expect to experience when they implement a company 401(k). Set the record straight so that business owners can make informed decisions.

Real Estate returns mn

Maximize Your Real Estate Returns

How to Analyze and Improve Your Real Estate Investments

Analyzes an excellent real estate investment deal and shows how the returns can be significantly increased by borrowing against whole life insurance for the down payment.


Financing & Purchase Pitfalls

Don’t Trust Your Best Interests to the Finance Department!

Why “0% financing” rarely is zero, how to make sure you get the best deal on a car or other major purchase, and why using your own cash has a cost!

Tax Rate mn

Tax Rate Smoke and Mirrors

How Higher Taxes Sabotage Revenue

How taxes do a “vanishing act” with our wealth… and why high taxes are also inefficient for the government!

Whole life insuance returns mn

The Truth About Whole Life Insurance Returns

(and Why the Critics are Wrong)

Demonstrates whole life insurance internal rates of return and how to adjust for taxation and fees when comparing to other assets. What kind of asset cash value is and why comparing it to high-risk financial vehicles is misleading.

term life insurance mn

The “Buy Term and Invest the Difference” Myth

Improve Returns and Increase Safety by Diversifying with Life Insurance

Using examples of a 35-year old invested in the stock market and a 55-year old invested in stocks and bonds (both with term life insurance), Todd Langford uses the Diversification calculator to demonstrate how the returns and the net to heirs can be improved by diversifying with whole life insurance.


Mortgage Half-Truths

Why Common Mortgage Advice Will Mislead You

Re-examine common advice about 15-year vs. 30-year mortgages. How do we take into account time frames, opportunity costs and taxes? Which is really the most efficient?

Wealth building without risk mn

Your Maximum Potential

The Secret to Wealth-Building Without Risk

The necessity of reducing costs and saving more, rather than taking on greater risk to compensate for not saving enough.

401k Plan mn

The Whole Truth About Your 401(k) Plan

Taxes, Fees, and Depressing Returns

Explains some common misconceptions about 401(k) and other retirement plans and illustrates the impact of employer matches, tax deferrals, taxes, and fees.

financing your own cars and major purchases

Never Pay Cash!?

Reserve a Fortune While Financing Your Own Cars and Major Purchases

Explains the differences in saving using a Shoebox, a Bank, and a Life Insurance Policy. Significantly increase your assets by paying yourself the financing fees while earning interest on the money you are leveraging.

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Locations & Hours

140 1st Avenue NW Suite 1

PO Box 750

Clara City, MN 56222

1406 E Highway 7

Montevideo, MN 56265


Clara City: (320)847-2307

Montevideo: (320)269-6484

Fax: (320)301-9699


Monday - Friday: 8:00am - 5:00pm

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