What is financial freedom and how do you achieve it?

That is a question I asked myself in 2014.  

My name is Curtis Ray, from Gilbert, Arizona, and the author of this book Everyone Ends Up Poor™. I want to tell you my story of financial discovery through family, entrepreneurism, product development, and an array of experiences. This is not a traditional story of an investment strategy secret or 401(k) success, but a story of true pursuit of knowledge, breaking down the whole system of financial planning, and discovering the inefficiencies and underwhelming results of the 401(k), IRA, Roth IRA and other traditional financial plans.  

Throughout the book, I look back on my life of running numerous businesses, what I learned through rapid success, partnerships, my rise and fall of financial wealth, and what ultimately led me to a career in educating the public on the Rules of Money and how to achieve financial security.

 This book is like no book every written, explaining clearly why a 401(k), IRA, Roth IRA, and other traditional retirement vehicles are not your friend, were never designed to produce you a good retirement income, and why Everyone Ends Up Poor™. Once someone understands the pitfalls of the current financial system, I explain the steps that can be taken to improve your retirement success by up to 400 percent. Through the experience and knowledge found in my journey, anyone can start the path of financial freedom today. In this book, I explain the seven rules of money prosperity, the nine pillars of financial planning, pitfalls to avoid as an entrepreneur, and the one-of-a-kind financial strategy called Maximum Premium Indexing or MPI™.

Everyone Ends Up Poor™ will challenge every belief you have regarding the current financial planning system.