Here are sample Drip emails for use in taking a client through PATHWAY

EMAIL #1: The First KEY to Wealth

Your BRAND/LOGO here

Subject Line: Saving Isn’t Just for Emergencies

In Busting the Financial Planning Lies, Kim Butler wrote about the Prosperity Ladder™.

It’s a simple concept showing the actions required to go from Poverty all the way to Prosperity.

Work takes people from poverty to subsistence. And SAVING takes people from subsistence to comfort.image081

Without saving, we’re “okay” only if “everything is okay.” If the car breaks down, if the dog gets sick, if the roof leaks, we find ourselves in debt or behind on bills.

A healthy emergency fund takes care of those issues. But what then?

Most people start plugging money into their 401(k) or other investment accounts where their money gets “locked up” for many years to come.

This might sound attractive in a way. You might even think, “I don’t want easy access to my retirement money!”

But leaving your dollars under someone else’s control means you can’t USE and CONTROL the equity you build!

And when your dollars are subject to endless fees, future taxes, and even market RISK, then your dollars are benefiting someone else.

Building LIQUIDITY by SAVING – above and beyond your emergency fund – is the first KEY to creating prosperity.

We’re programmed to think about saving all wrong.

Typical financial advice tells us to skip saving and go straight to investing. We’re told to split up our money into a 401(k), IRA, 529, and so on. But this prevents us from having liquidity and flexibility.

To understand more about the problem with typical financial advice on saving, read our article: “Financial Flexibility: Saving Too Much in All the Wrong Places?”

When we don’t have liquidity, we lose control of our dollars and compromise our ability to build real wealth! To learn more about how saving paid ENORMOUS dividends for 4 well-known entrepreneurs, read:

“Saving Right: Is Your Emergency Fund Ready for Opportunities?”

To Prosperity,

YOUR signature

P.S. I’m NOT talking about putting all of your savings in bank savings accounts where it earns next-to-nothing (and what it does earn is taxed!) For the SHOCKING truth about “bank security,” watch for my next email.

In the meantime, just reply to this email if we can help you get started saving, investing, or earning income with your nest egg.

EMAIL #2: Is it SAFE to Save in the BANK? (The Shocking Truth!)


Subject Line: Banks are BROKEN

We believe that saving money is the FOUNDATION of wealth. But where can you save where your money can keep pace with inflation AND be safe?

We all know that rates are at their rock bottom, but you may be blissfully unaware of all of the potential threats to your savings from theft, civil asset forfeiture, cyber-crimes, bank melt-downs and prying eyes.

We believe you would be wise to diversify savings as well as investments. We wrote this article to alert our clients to critical issues within the banking system:

“How Safe is Your Money? FDIC Insurance and Fractional Reserve Banking.”

What about FDIC insurance protection of $250k?

As Ike Devji, an asset protection attorney states, “many professionals I deal with, including a former bank president in the Southwest, have described that limit as a placebo. They believe the FDIC would actually be insolvent in the event of a major run on the banks. If you remember correctly, the limit was increased to $250,000 only four years ago to prevent such a run.”

FDIC insurance may make us feel more secure, but it can only back up a small percentage of bank deposits before the house of cards would fall.

Then there’s the problem of crime, confiscation, creditors and lawsuits! It will probably never happen to you, but sometimes those who should be protecting us are the ones we need protection from. You’ll be shocked by the stories in this popular article:

“Is It Safe to Save in the USA?”

So where CAN you save? An excellent alternative is where BANKS are keeping much of THEIR cash… in high cash value life insurance.

Why are banks socking away  many billions in life insurance – in increasing amounts every year since the Great Recession – while peddling certificates of deposit to their customers? We’ll explain in our next email.

To Prosperity,

your signature

P.S. We’d love to give you more information about this savings alternative! Simply reply to this email, or call us at xxxxxxxx during business hours.

EMAIL #3: Where BANKS Save THEIR Money!


Subject Line:  Why Bank-Owned Life Insurance is on the Rise

As I mentioned in the last email, banks are not saving their own money in certificates of deposit, nor are they putting their own dollars in the stock market.

At an increasing rate, banks are putting their “Tier 1” assets (their best, most secure capital) into high cash value life insurance:

“The Banker’s Secret: Life Insurance as an Investment?”

According to, bank holdings of permanent life insurance (known as BOLI, or bank-owned life insurance) continue to increase, reaching $149.6 billion in 2014.

Why are banks buying life insurance? According to

“Some have asked why BOLI is still such an attractive asset choice for banks. Briefly, the tax-deferred interest generated by a fixed income BOLI policy is typically substantially higher than a bank can earn on other investments with a similar risk profile… BOLI provides a competitive yield, currently in the range of 3.25 percent to 3.50 percent after all expenses are deducted, which translates into a tax equivalent yield of 5 percent to 5.4 percent.”

High Cash Value Whole Life Insurance is P4P’s cash alternative. It has paid dividends for well over 100 years, in every sort of economy and it grows cash much faster than any savings account, money market, or certificate of deposit when held long-term.

Mutual insurance companies also offer protection that banks can’t even offer, because insurance companies aren’t leveraged or taxed like banks.

This alternative way of saving increases your financial security, flexibility, privacy, and long-term returns. There’s a lot to like about life insurance, even if you don’t have heirs to consider.

If you do have spouses, children, or grandchildren, there are profound multi-generational benefits of using whole life insurance, which you’ll learn more about in our next email.

To find out more about this banking alternative and get an illustration showing how a policy may perform, contact us at xxxxxxxxx, or simply reply to this email.

We help clients in all 50 states via the phone and internet, and we look forward to hearing from you!

To Prosperity,

your signature

P.S. So where do you store your cash?