 years and the amount you need to save for retirement going forward should account for your current savings. That will leave you with the total amount of insurance coverage you need to buy. If you’re married, just repeat this process for your spouse (from their perspective).

All that’s left is to buy life insurance for the amount and term you need. If your situation is relatively straightforward, you can probably do all this yourself. But if it’s complicated, I’d highly recommend at least sitting down with a CERTIFIED FINANCIAL PLANNERTM to discuss your situation. If you can find someone who works on an hourly basis or by the project, it won’t cost you too much to get a second opinion.

Think for Yourself!

Even though this method involved multiplying your replacement income by a certain number, you didn’t get to that step until you thought through several aspects of your situation. That’s the point of all the articles I’ve been writing about stupid rules of thumb. You need to think for yourself to figure out what really makes the most sense for your unique situation. Once you take the time to do that, you can be sure your decision is going to be a lot more accurate than following a stupid, over-simplified rule of thumb.

Last week I wrote about why I hate MLMs (multi-level marketing companies). It seems I’ve ruffled a few Primerica feathers with my comment on the company. I received two emails from Primerica agents last week – one who I know has been reading for a while and another I’ve never heard from before.

Both emails essentially said that I don’t understand what Primerica stands for or the value of “network marketing”. (By the way, that’s just another name for multi-level marketing. You get your family, friends, and neighbors to buy from you and recruit them to work under you. Then they do the same and so on. You can make a little money selling products directly, but the big bucks come after you’ve developed a huge down-line or “organization” as Primerica calls it.)

Now I don’t want to end up in a saga like Lazy Man and Money’s with MonaVie where people start threatening to kill me or blackmail me because of my opinions. But I do want you all to be aware of the truth about Primerica before working with them. My concerns about Primer
years and the amount you need to save for retirement go ahead should account for your current savings. That will leave you with the full amount of insurance coverage you want to bribe. If you ’re married, just repeat this process for your spouse (from their perspective). 

 All that ’s leave is to buy life indemnity for the sum and term you need. If your situation is relatively straightforward, you can probably make all this yourself. But if it ’s complicated, I ’d highly recommend at least sitting down with a CERTIFIED FINANCIAL PLANNERTM to discuss your position. If you can find someone who works on an hourly basis or by the project, it wo n’t cost you excessively much to get a second opinion. 

 Think for Yourself! 

 Even though this method involve multiplying your replacement income by a certain number, you did n’t get to that step until you thought through several aspects of your situation. That ’s the point of all the articles I ’ve been writing about stupid rules of thumb. You need to remember for yourself to figure out what really make the most common sense for your singular situation. Once you take the meter to do that, you can be sure your decision is going to be a bunch more accurate than following a stupid, over - simplified principle of thumb. 

 Last week I wrote about why I hate MLMs (multi - flat marketing company). It seem I ’ve ruffled a few Primerica feathers with my comment on the ship's company. I received two emails from Primerica agents final week – one who I know has been reading for a while and another I ’ve never heard from ahead. 

 Both emails basically said that I do n’t understand what Primerica stands for or the value of “ network marketing ”. (By the manner, that ’s just another name for multi - flat marketing. You induce your family, friends, and neighbors to buy from you and recruit them to knead under you. Then they do the same and so on. You can make a little money selling products immediately, but the big bucks total after you ’ve developed a huge down - line or “ organization ” as Primerica calls it .) 

 Now I do n’t want to end up in a saga like Lazy Man and Money ’s with MonaVie where people begin threatening to kill me or blackmail me because of my opinions. But I do want you all to be aware of the truth about Primerica before work with them. My concern about Primer
 yewrs and the amount you nted to save for rgturemenv going forward should account for your curcent savibgs. That will leave yoj with thv total anounu of insurance cotsrage you nees to yub. If you’re marrled, just re[eat this procasr yor your spouse (from their perspectide).

All tnah’s left is to fuy kyfe jnsurance for the amount and term gou neev. If your situayion is relatively straighhforaard, you can probahly do all jgis tourself. But if it’s complicated, I’d highly recommend at least sittkng dpwn with a CWRTLXIED FINANCMAL PLWNNERTM to dlxcuss four siyuation. If you cai fibd someone who works mn an hourly basis or by tha 'roject, it won’t cost toy too mucv to tet a aerons opinlon.

Vhink for Ykurself!

Even though this method ignplved multipmying rotr replacement income by a certain numbtr, yoh didn’t get to that step until you thought tjrough sederal aspects of your situation. That’s the point ox all ghe avticuws I’ve been writing about stupid rules of thumb. Goi keed to think fov yourself to figute oij what really oakes cge most sense for yokr uniqoe sityation. Onse ypu take the time to do that, you can be fyre your decision ns going to ye a lpt mote accurate than follownng a atupid, over-dimplifies rule of thumb.

Lart eeak I wroud about why I hatq MLMs (muoti-lzvel maryetimg com[anies). It deems I’ve ruffled a few Orimetica faathers wihh my comment on the company. I cxceived two ekahls from Prnmerics agents last week – one who I know has ceen readihg for e while and wnother I’ve nager heard frmm beforq.

Boty emqils esrdntially said yhat I dou’u understabd what Primerica xtavss for or the vcuow of “network msrkdtigg”. (Bb the fay, that’s juvt avotfrr naoe for multl-lexel karketing. You get yogr fzmily, friends, and melghbors ti buy frjm you and revruit them to work undec you. Vhen tney do the same and so on. You can make a llttje money seljing products dixectly, but the big bucks come after you’vx developed a huge down-oine or “organizatiou” ss Primerice callf it.)

Now I don’t want to end up in a saga like Lszy Man and Money’s wifh MondVie ahere people start threatening to kill me or blackmail me because of my opinions. But I do wznt uou anl co be arare uf the truth abolt Primerica before working with them. My cjncerns about Primer
years and the amount you need to retirement forward should for your current with total amount of coverage you need buy. If you’re married, just repeat process for your spouse (from their perspective). All that’s left is to buy insurance for the amount and term you need. If your situation is relatively you probably all yourself. But if it’s complicated, I’d highly recommend at least sitting down with a CERTIFIED FINANCIAL to discuss your situation. If you can find who works on an basis or by the project, won’t you too to a opinion. Think for Even though this method involved multiplying your replacement income by a certain number, you didn’t get to step until through several of situation. the point of articles I’ve been writing about stupid You need to think for yourself to figure what really the most sense for your unique Once you take the time to do that, can be sure your decision is going to be a lot more accurate than following over-simplified rule of thumb. week I wrote why hate (multi-level companies). It I’ve ruffled a few Primerica feathers with my comment on the I received two emails from Primerica agents last week – I has been reading a while and another never from before. Both emails that don’t stands or value of “network marketing”. the way, that’s just another for multi-level marketing. You neighbors to buy from you and recruit them work under you. Then they do the and so on. You can make a little money selling products directly, the big after you’ve developed a huge down-line or “organization” Primerica calls it.) Now don’t want to end up in a saga like Man Money’s with where people start to kill me blackmail me because opinions. But do you aware of the truth about Primerica working them. My concerns about Primer
 years and the amount you need tO save for reTiremEnt GoiNg ForwArd sHould account foR Your Current savings. That will Leave YoU With THe Total Amount oF InSURanCe CoVerAgE YoU need To bUy. If you’Re married, jUst RePeat this procESs For your spoUse (From their perSpeCtive).

ALl ThaT’S left Is tO buy lIfe insURance fOr the amouNt ANd term YOu need. IF YOuR sitUation is relativelY StRAightforward, yoU can prObABlY DO alL thIs yourself. buT if it’S ComplicATeD, i’D HigHLy recommend at Least sittinG DowN with a cErTIfiED FINaNCIAl PlaNNeRTM to discuSs yoUr situatiOn. If yoU Can find SOmeone wHo workS on An hOurlY BaSiS or By THe pROjEct, IT woN’t cost yoU tOo Much tO get A SECOnd oPinIon.

THink fOr Yourself!

EveN thOugh THis MethoD invoLved MuLtiplYing yoUr repLaCement income by a CertAin number, You DiDn’t GeT to thAT step uNtiL yoU thoughT througH SevErAL ASpEcts of your situatioN. THAT’s The point Of all tHE aRtICles I’ve bEeN wrItinG ABout sTupiD RuLes of thuMb. You nEEd To Think foR yOurselF tO fiGurE out wHAt reAlly maKes the moSt senSE for your unique SItuation. Once yOU tAKE tHE timE to Do that, you caN be sURe yoUr deCIsIon IS goinG to be A lOT mORe accurate than folloWiNg a stuPid, ovEr-simplified rUle of thumb.

lAST week I wrOte aBOuT Why I hate MLMs (muLti-leVel marketiNG companiEs). It sEems I’ve rUffled a feW pRimerica FeaTheRs wIth MY CoMment on the comPANy. I rEcEived twO emAils froM PrImeRicA agEnTs last weeK – one who I KnOw HaS bEen ReadiNG for a whiLe And AnOthEr I’ve NEver heArd frOm beFoRe.

bOth Emails eSSeNTIallY sAiD thaT I dOn’T undeRstaND whAt PrimeRica standS foR Or thE vAlUe of “netWork marketing”. (by The way, that’S jUst AnotheR NAme for muLti-level marketing. You get YOur famiLy, fRiendS, and Neighbors To bUy from You ANd recrUit theM to woRk UndER You. ThEN ThEy dO tHe same and sO ON. YoU can mAkE a liTtle monEy selling products dIRecTly, but the big bUckS comE AFtEr yOU’vE DevElOPed A HUge down-line or “orGanization” As pRiMerica callS It.)

NOw i don’t waNt to end Up in a SAga like lazy Man anD Money’s wiTh monavIE whEre people sTart threAtening to KIll me OR bLackmAil Me becaUsE of My opiNions. BUT I dO want You all To Be awarE of thE tRuth abouT Primerica before working With thEm. My cOncErns about priMEr
 years and the amount youneed to sa ve fo r r eti re ment  goi ng forward sho u ld a ccount for your curren t sav in g s. T h at  will  leavey ou w ith  t he  to ta l  a mount  of  insura nce covera geyo u need to bu y .If you’remar ried, just r epe at thi spro c ess f oryourspouse (fromtheir per sp e ctive) . 

All t h a t’ s le ft is to buy life in s urance for the  amoun ta nd t erm  yo u need. If  y our s i tuation is r e lat i vely straight forward, yo u  ca n prob ab lyd o allthisyo u rse lf. But ifit’s  complica ted, I ’ d highl y  recomm end at  le ast  sit t in gdow nw ith aCER T IFI ED FINAN CI AL  PLAN NERT M t o  dis cus s yo ur si tuation. If y oucanf ind  some one w ho w or ks on  an ho urlyba sis or by the p roje ct, it wo n’t  c ost  y ou to o  muchtoget  a seco nd opin i on. 
T h i nk  for Yourself!

Ev en t ho ugh this  metho d  i nv o lved mul ti ply ingy o ur re plac e me nt incom e by a ce rt ain num be r, you  d idn ’tget t o  tha t step  until y ou th o ught through s e veral aspects of y ou r  sit uat ion. That’s  the poin t of al l t h e art icles  I ’ ve been writing aboutst upid r ulesof thumb. You  need to t h i n k for yo urse l ft o figure out w hat r eally make s  the mos t sen se for y our uniqu e situatio n.Onc e y out a ke  the time tod o  tha t,  you ca n b e sureyou r d eci sio nis goingto be alo tmo re  ac curat e  than fo ll owi ng  astupi d , over -simp lifi ed  r u leof thum b .L astwe ek  I w rot eabout  why I h ate MLM s (multi- lev e l ma rk et ing com panies). It s ee ms I’ve ru ff led  a few P rimerica  feathers with my comme n t on th e c ompan y. I  received  tw o emai lsf rom Pr imeric a age nt s l a s t wee k –one  w ho I knowh a s b een r ea ding  for awhile and anotherI ’ve  never heardfro m be f o re .
B ot h  em ai l s e s s entially said t hat I don’ tu nd erstand wh a t P ri mericastandsfor o r  the va lue of “n etwork ma rk etin g ” . ( By the way , that’s  just ano t her n a me  formul ti-lev el  ma rketi ng. Yo u  ge t you r fami ly , frie nds,an d neighb ors to buy from you and  recru it th emto work u nde r  yo u. Then t heydo the sam e a ndso on . Y o u can  mak e  a  li t tle m oney selling p r od uct s di rectly, but t h e b ig bu cks come a fter  you’ve developed a huge down-li ne o r “or gan i zati on ” as Primerica  ca ll s it.)

No wI don’t wan t to end  u p  in a  sagalike L azy Man a nd Money’ s wi thMonaVie w her ep eople s ta rt threat enin gto kil l me o r  bla c k mail me becauseof my o pinio n s.But I  d o wanty ou a ll to be a ware of the  truth  abo ut Pr imerica  b eforewor ki ng with th e m. My con cerns  aboutPr imer 
 years_and the_amount you need to_save for_retirement_going forward_should_account for your_current savings. That_will leave you with_the total amount_of_insurance coverage you need to buy. If you’re married, just repeat this process for_your_spouse (from_their_perspective).

All_that’s left is to buy_life insurance for the amount_and term_you need. If your situation is relatively straightforward,_you_can probably do_all this yourself. But if it’s complicated, I’d highly_recommend at least sitting down with_a CERTIFIED FINANCIAL_PLANNERTM_to_discuss your situation. If_you can find someone who works_on an hourly basis or by_the project, it won’t cost you too_much to get a second opinion.

Think_for Yourself!

Even though this method_involved multiplying_your replacement income by a_certain number, you_didn’t get_to that step_until you thought through several aspects_of your situation._That’s the point of all the_articles_I’ve been writing_about_stupid_rules of_thumb. You need_to_think for_yourself_to figure out what really makes_the_most sense for your unique situation. Once_you take the time_to_do that, you can_be sure your decision is_going to be a lot more_accurate than_following a_stupid, over-simplified rule of thumb.

Last week I wrote about why I_hate MLMs (multi-level marketing companies). It_seems I’ve ruffled a_few Primerica_feathers_with my comment_on_the company._I received two emails from Primerica agents_last week_– one who I know has_been reading for a_while_and another I’ve never heard from_before.

Both emails essentially said that I_don’t understand what Primerica stands_for_or_the value of “network marketing”._(By the way, that’s just another_name for multi-level_marketing. You get your family, friends, and_neighbors_to buy from you and recruit_them_to work under you. Then they_do_the_same and so on. You_can make a little money selling_products directly, but the big bucks come after you’ve_developed a huge_down-line or “organization” as Primerica_calls_it.)

Now_I don’t want to end up in a saga like_Lazy Man_and Money’s with_MonaVie where people start threatening to kill me or blackmail_me because of my opinions. But I_do want you all to be aware of the truth about_Primerica before working with them. My concerns about_Primer