What the 1% Teach Their Kids About Money (That Schools Don’t)

Generational Wealth Starts With Generational Wisdom

Dear Crusaders,

The wealthy don't just pass down money—they pass down mindsets.

While most schools focus on algebra and ancient history, the 1% are teaching their kids how to think like owners, investors, and strategists. They know financial freedom isn't just about how much you earn—it's about what you understand, how you plan, and the habits you build early.

So, what are they teaching that most of us never learn?

Lessons the Wealthy Teach at Home:

1. Money is a Tool, Not a Goal
The wealthy teach their kids that money is a resource to build options, not something to hoard or chase. It funds freedom, not lifestyle inflation.

2. Assets Buy Freedom. Liabilities Buy Stress.
Instead of rewarding kids for spending, they show them how investments (real estate, stocks, life insurance, businesses) buy time and choice.

3. Delayed Gratification = Greater Power
They teach patience. Why? Because compounding is magic—and it rewards those who wait.

4. Financial Literacy Is a Daily Practice
They involve kids in budgeting, business decisions, real estate conversations, and even family trust structures. Money talk isn’t taboo—it’s tradition.

5. Wealth Is Measured in Control, Not Just Dollars
True wealth means having control over your time, your income, and your future. That’s why the 1% teach strategies like income protection, tax-free growth, and estate planning before it’s “needed.”

Want to Raise Financially Free Kids?

Here’s how to start:

• Open a custodial Roth IRA when your child starts earning income

• Set up a Smart Life Strategy™ policy to teach them about income protection, compound growth, and tax-free cash access

• Let them “co-own” a small investment—like a vending machine or eBay store

• Watch financial documentaries or Shark Tank episodes together

• Share your mistakes and your lessons—they’ll learn more from your transparency than your perfection
  

Bottom Line:

Schools aren’t built to teach wealth-building. But your home can be.
Whether you're already on your way or just getting started, remember this:
Generational wealth isn’t built in a bank account. It’s built in your living room.

To Building a Legacy That Lasts,
Nabila Feroze
CEO & Founder, Financial Crusaders

The Freedom Number: How Much You Really Need to Exit the 9–5

What’s Your Freedom Number?

Dear Crusaders,

If you’ve ever said to yourself,
“I just need enough to quit this job and live life on my terms,”
—then what you’re really asking for is your Freedom Number.

Your Freedom Number is the amount of income you need to consistently generate—without clocking in—to cover your lifestyle, protect your peace, and grow your wealth. It’s not about being a millionaire. It’s about reclaiming control.

But here’s the problem…

Most people never run the numbers.
They either underestimate what they need and run out of money…
Or overestimate and stay stuck in a job they hate for 10 years too long.

Let’s change that.

What Goes Into Your Freedom Number?

Start by asking:

• How much does your life actually cost each month?
  (Housing, food, transportation, healthcare, fun, etc.)

• What debts are draining your cash flow—and can they be eliminated or replaced?

• How are you protecting your income from taxes, inflation, and emergencies?

• What assets can reliably generate passive or protected income?
  (Think: Indexed life insurance, annuities, business cash flow, rental income, etc.)

Know the Number. Build the Exit Plan.

We help high-income earners, entrepreneurs, and working professionals map out their Freedom Number and reverse-engineer an exit plan using tax-free income strategies, income protection tools, and Smart Life Strategy™ planning.

Because freedom isn’t a fantasy. It’s a formula.

✅ Ready to Find Your Freedom Number?

DM “FREEDOM” @FinancialCrusaders
Or Book your free consultation to calculate your Freedom Number with a Financial Crusader™

To Your Exit Strategy,

Nabila Feroze
CEO & Founder, Financial Crusaders

Income Protection Is the New Wealth Strategy

Your Income Is Your Lifeline.

Dear Crusaders,

Too many professionals protect their phones and laptops better than they protect their income.

What if your income stopped tomorrow due to illness or injury? How long could you stay afloat?

At Financial Crusaders, we believe real wealth starts with peace of mind—and that begins with protecting your greatest asset: your ability to earn.

Protect Your Income Like It Matters—Because It Does

• 70% of Americans would struggle to cover expenses if their paycheck stopped for just one month.

• Yet most have never reviewed their income protection options.

• Living Benefits with term life insurance can pay you while you’re still alive—covering cancer, heart attack, chronic illness, and more.

This isn’t just life insurance. It’s a Smart Life Strategy™.
Protect your family. Protect your goals. Protect your now and later.

Client Story: Saved by Living Benefits

“I never thought I’d need life insurance while I was still alive. When I was diagnosed with breast cancer, my Living Benefits policy paid out enough to cover my treatment and keep my family financially stable during recovery.”
— Jasmine R., Financial Crusaders Client

Financial Strategy Spotlight

Smart Life Strategy (IUL + Term Life)

✔️ Tax-free retirement income
✔️ Protection from market losses
✔️ Access to cash when you need it most
✔️ Optional Living Benefits
✔️ Legacy planning and debt protection

Not sure where to start? Schedule a free Zoom consultation and we’ll walk you through the options that match your goals.

Crusader Tip of the Month

“Insurance isn’t just for death—it’s for life.”
Use your insurance plan as a wealth-building tool, not just a safety net.

Take Action Now

✅ DM “Protect” on Instagram @FinancialCrusaders
✅ Book a free call: Schedule FinancialCrusaders.com/appointments
✅ Join the movement: Follow us @FinancialCrusaders

Let’s build a financial plan that honors your hustle and protects your future.

With you on the journey,

Nabila Feroze
CEO & Founder, Financial Crusaders

How to Take Control of Your Money (Before the IRS and Wall Street Do)

The #1 Financial Move Tony Robbins & Billionaires Agree On

Dear Crusaders,

Let’s have a real conversation about money.

You work hard. You earn well. You pay your taxes. You do “the right things.”
So why does it feel like you’re still playing a game you weren’t taught the rules to?

You’re not alone.
In fact, one of the most powerful money books of the last decade—Money: Master the Game by Tony Robbins—opens with this warning:

“You either master money, or on some level money masters you.”

And here’s the part most high-income earners don’t want to admit (but need to hear):
The system, Wall Street, big banks, traditional retirement planning, is not built for your financial freedom. It’s built for their profits.

What the Wealthy Do That You’re Not Being Told

When Robbins interviewed over 50 of the world’s top investors, people like Ray Dalio, Warren Buffett, John Bogle, and Paul Tudor Jones, he wasn’t looking for get-rich-quick tips. He wanted timeless, practical insights that anyone could apply.

And they all echoed the same foundational truth:

“You don’t earn your way to wealth. You allocate your way there.”

Translation:
Wealth isn’t about your income. It’s about what you do with it—how you protect, grow, and structure it to serve you, not Wall Street.

Unfortunately, most people are chasing returns, picking stocks, gambling in their 401(k)s, and getting eaten alive by hidden fees, taxes, and bad advice.
Even worse? They’re doing it with zero guarantees of income in retirement.

That’s not wealth. That’s hope. And hope is not a strategy.

So What Is the Strategy?

Let’s start with something simple, actionable, and powerful:
Pay yourself first. Automatically. No matter what.

We call this your Freedom Fund. It’s the foundation of everything we build for our clients—whether they earn $70K or $700K.

1. Decide what percent of your income belongs to future-you. (Start with 10%. Work toward 15–20%.)

2. Redirect that percent into a secure vehicle that builds tax-advantaged, compounding growth.

3. Never touch the principal. Use this fund to create a guaranteed lifetime income stream.

Here’s how it works:

Let your money work 24/7—even while you sleep.

Because if you’re the only income generator in your household, you’re not financially free.
You’re just a high-paid hostage.

The Dangerous Myth of Retirement

We’ve been sold a fantasy:
"Max out your 401(k). Buy and hold. Retire at 65. Ride off into the sunset.”

Reality check?
That fantasy is funded by your tax dollars, your fees, and your ignorance.

• 401(k)s are tax-deferred, not tax-free.

• Most mutual funds underperform the market.

• And the “average” retiree runs out of money within 10–12 years.

Meanwhile, the government is quietly raising your future tax bill (and hoping you won’t notice).

Don’t give the IRS the keys to your nest egg.

The Smart Money Play: Shift the Rules

The ultrawealthy use a different system.
They invest in tools that offer:

• Principal protection – So you never lose what you’ve built

• Tax-free growth and access – Using IRS-approved strategies

• Guaranteed lifetime income – So you never outlive your money

• No market dependence – Your future isn’t tied to Wall Street’s rollercoaster

• Legacy protection – For your kids, spouse, or favorite cause

And here’s the best part:
These tools are now available to you. You just need the right guide.

Ready to Build Your Freedom Fund?

At Financial Crusaders, we specialize in helping high-income professionals create secure, tax-advantaged retirement income outside the traditional system.

If you’re tired of chasing returns, uncertain about taxes, and wondering if you’re actually on track.
Let’s fix that.

We’ll help you build your Freedom Fund and create a plan you can’t outlive.

One Last Thought...

The best time to plant a tree was 20 years ago.
The second best time? Today.

Don’t wait for permission.
Don’t wait for “the perfect time.”

Don’t wait to lose more to Wall Street or taxes.

Take back control. Build your Freedom Fund. And live life on your terms.

With you on the journey,

Nabila Feroze
CEO & Founder, Financial Crusaders

Why Estate Planning Isn’t Just for the Wealthy—It’s for the Wise

You worked hard for everything you have—don’t let the courts decide what happens to it.

Dear Crusaders,

When most people hear “estate planning,” they think it’s something reserved for the ultra-wealthy or retirees. But here’s the truth: Estate planning is not about how much you have—it’s about protecting what you have and making sure it gets to the people you love with the least amount of delay, cost, and confusion.

What Exactly Is Estate Planning?

Estate planning is the process of legally structuring your assets and medical wishes so that if you become incapacitated—or when you pass—your affairs are handled exactly how you want.

At its core, a comprehensive estate plan includes:

• Will - your will names beneficiaries, assigns guardians for minor children, and designates an executor.
  ⚠️ But it does not avoid probate.

• Trust - revocable or irrevocable, a trust allows your assets to bypass probate entirely. It ensures privacy, avoids delays, and can help reduce estate taxes. It’s especially useful if you own real estate, have blended families, or want more control over how your assets are distributed.

• Medical Directive (Advance Healthcare Directive) - this legal document outlines your healthcare wishes if you are ever unable to communicate them yourself (life support, organ donation, etc.).

• HIPAA Release - authorizes specific people (often family) to access your medical information. Without it, even spouses may be denied critical health updates.

• Durable Power of Attorney - empowers someone you trust to make legal and financial decisions on your behalf if you're incapacitated.

• Life Insurance - protects your family by providing immediate liquidity upon death—useful for funeral expenses, paying off debt, or even covering estate taxes.

The Probate Problem

Probate is the court-supervised process of validating your will, paying off debts, and distributing your assets.

• Time - often takes 9–24 months

• Cost - legal fees can eat up 5–10% of your estate

• Stress - your family may be stuck in legal limbo, often during their most emotional and vulnerable time

• Public Exposure - Probate is public—anyone can see what you owned and who’s getting what

If you only have a will—or worse, no plan at all—your family could be in for a long, expensive ride through the court system.

The Stakes Are Higher for Parents with Minor Children

If you die without a will (intestate), the court decides who raises your kids.

Let that sink in: a judge, not you, will choose your children’s legal guardian.

And while your loved ones are trying to navigate that mess, any inheritance meant for your kids will be held in a court-supervised account until they turn 18—at which point it’s handed over in full, no matter how financially mature (or not) they may be.

Leaving Real Estate with Only a Will? Think Again

Leaving real estate to heirs through a will often triggers probate and potential capital gains tax issues. In many states, this can:

• Delay transfer of property for months or longer

• Rack up legal costs and property maintenance expenses

• Result in a higher tax burden for heirs if not structured properly

A revocable living trust or transfer-on-death deed can help avoid probate, reduce taxes, and allow for smoother transitions.

Other Crucial Elements of an Estate Plan

• Beneficiary Designations: Retirement accounts, pensions, and life insurance policies bypass the will entirely. Make sure they’re updated!

• Letter of Intent: Non-legal document that shares wishes for funeral arrangements, digital accounts, or family heirlooms.

• Business Succession Plan: If you’re a business owner, your estate plan should address who will take over—or how it will be sold.

Don’t Wait Until It’s Too Late

Whether you’re 35 or 65, married or single, with kids or without—estate planning protects the people and legacy you care about most.

You don’t need millions to need an estate plan. You just need to care about what happens to the people you love.

To Protecting Your Family and Wealth,
Nabila Feroze
CEO & Founder, Financial Crusaders

The Hidden Miracle That Could Save Your Retirement

The Retirement Strategy Wall Street Won’t Tell You About

Dear Crusaders,

What if everything you thought you knew about retirement planning was incomplete—or worse, working against you?

In The Retirement Miracle, Patrick Kelly unveils a strategy that challenges conventional wisdom. Instead of relying on 401(k)s and IRAs that defer taxes into an uncertain future, he outlines how you can grow wealth tax-free, access it without penalty, and pass it on tax-free—all while protecting it from market losses.

Sound too good to be true? It’s not. It’s what the wealthy have quietly done for decades.

The Miracle Strategy in a Nutshell

• Market-Linked Growth with No Risk of Loss: Certain life insurance products (like Indexed Universal Life) allow your money to grow when the market rises, but never lose value when the market drops.

• Tax-Free Income: Withdraw money in retirement tax-free using policy loans—no income tax, no penalties.

• No RMDs, No 59½ Rule: Unlike IRAs, there are no required minimum distributions and you can access funds before age 59½.

• Tax-Free Legacy: Leave behind a powerful, income-tax-free death benefit for your heirs.

Kelly calls this the “retirement miracle” because it offers growth, security, and flexibility in a single tool—without giving control to the government or the markets.

At Financial Crusaders, this aligns perfectly with our mission: helping you build a resilient, tax-smart financial life that honors your goals and protects your legacy.

If you want to break free from outdated retirement plans and take control of your financial future, let’s talk about how this miracle strategy might fit into your wealth plan.

To empowered financial freedom,
Nabila Feroze
CEO & Founder, Financial Crusaders

Why a 0% Tax Bracket Could Be the Key to Your Retirement

The Power of Zero: Why Tax-Free Is the Future

Dear Crusaders,

Imagine reaching retirement and never having to worry about tax hikes again. That’s the vision David McKnight paints in The Power of Zero—and it’s a strategy I believe every forward-thinking investor should know.

Here’s the hard truth: taxes are likely going up. With mounting national debt and growing government obligations, your tax-deferred retirement accounts—like traditional IRAs and 401(k)s—are sitting ducks. McKnight’s powerful message is simple: shift to a tax-free retirement strategy now, while taxes are still relatively low.

What does a "Power of Zero" plan look like?

• Roth conversions: Pay taxes on retirement funds today to avoid higher taxes tomorrow.

• Life insurance retirement plans (LIRPs): A properly structured permanent life insurance policy can offer tax-free growth and tax-free income.

• Balanced buckets: Diversify your retirement savings into taxable, tax-deferred, and tax-free accounts—with the goal of getting your effective tax rate to zero in retirement.

At Financial Crusaders, we’re helping families and business owners prepare for the future with strategic tax planning that protects wealth and maximizes legacy. McKnight’s approach aligns perfectly with our mission: to build financial freedom on a rock-solid, tax-smart foundation.

Take action while the window is open. The current tax rates are set to expire in 2026. That gives us a short runway to reposition assets and protect your retirement from the rising tide of taxation.

Let’s create your Power of Zero strategy today.

To your financial freedom,
Nabila Feroze
CEO & Founder, Financial Crusaders

The Wealth Secret Hiding in Plain Sight: Life Insurance

Why the Wealthy Bank on Life Insurance—Literally

Dear Crusaders,

What if I told you the ultra-wealthy have been quietly using a financial tool that lets them grow money tax-free, access it anytime, and pass on wealth with zero income tax?

Jake Thompson’s Money. Wealth. Life Insurance. breaks down this powerful strategy—and it's not your typical insurance pitch. It’s about using high cash value permanent life insurance as your own private bank.

Here’s the core idea: wealthy individuals don’t park their money in traditional savings accounts—they store it in life insurance contracts that grow tax-deferred, allow tax-free loans, and provide a tax-free death benefit.

Why this matters for YOU:

• Liquidity: Access your cash value anytime for emergencies, opportunities, or retirement—without penalties.

• Growth: Your money grows steadily, even during market downturns.

• Legacy: Pass wealth to the next generation income tax–free and outside of probate.

• Privacy & Protection: These accounts often offer asset protection and don’t appear on public financial records.

At Financial Crusaders, we believe financial freedom requires more than traditional strategies. The wealthy don’t wait for Wall Street’s permission—they leverage tools that give them control.

Permanent life insurance isn’t just about death—it’s about living wealth. It’s the foundation of a tax-smart, opportunity-ready lifestyle.

If you want to start thinking like the wealthy, let’s talk about how this strategy can be tailored to your goals.

To empowered planning,
Nabila Feroze
CEO & Founder, Financial Crusaders