The EPIC Problem! And YOUR Options | 354

The EPIC Problem! And YOUR Options | 354

epic problem

It’s no secret that most Americans aren’t prepared for retirement… but the actual percentage may horrify you.

And if you’re simply “saving up” for retirement, regardless of your age, you may be in for an unpleasant surprise.

The good news is, there’s a way to prepare for retirement that doesn’t involve scrimping, saving, and wasting the best years of your life away.

It’s what Wall Street doesn’t want you to know, what your parents WISH they knew, and what the wealthiest 1% would recommend.

Today, Financial Freedom Friday shares the epic problem that’s plaguing the country and what you can do to achieve financial independence, avoid regret, and enjoy life while you’re young.

epic problem

What You Will Learn About the EPIC Problem and Your Options:

  • The shocking percentage of Americans who are not prepared for retirement
  • Why you should be preparing for retirement no matter what your age is
  • What Wall Street doesn’t want you to know about real estate investing
  • How the four profit centers of real estate investing make it the most profitable type of investing for the average person
  • The secret to preparing for retirement without putting your life on hold
  • Why simply “saving up for retirement” – even when successful – often leads to regret
  • The true meaning of financial independence and freedom – and how to achieve it
  • The financial options everyone has but few are aware of
  • Why shifting your mindset from piles of cash to streams of cash flow will change your life forever
  • How to create passive income without quitting your stable full-time job
  • The most certain and fastest path to your financial independence

Recommended Resources:

  • It’s been great meeting you virtually. Would you like to meet in person? Our next live event is right around the corner! Go to for the details.
  • Need money? We have secured more than $15,000,000 of funding for the Epic community, people just like you. Get access to fast cash for your real estate investing business with our “one-of-a-kind” credit-based funding program at
  • Need time? Work on your business rather than in your business by leveraging the time of others.  Access free information and find real estate-trained virtual assistants to help you free up your time.  Learn more at
  • Need training? The ultimate training environment for real estate investors: Version 3.0 of The Epic Pro Academy!  New look, new lessons & new content – we’ve got everything you need to know to get your first paycheck!
  • Need someone to do it all for you? If you’re an Accredited Investor, you can diversify your portfolio by hitching your wagon to our train and share in the profits. Go to to download the executive summary.


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Matt Theriault: Hi I’m Matt Theriault at Epic Real Estate and just kind of wanted to clarify what it is that we do over here because the more of our audience that we talk to the more people that inquire in our office. They all kind of seem to have us grouped into this category of gurus and coaches and educators and we do some of that but we’re here working on something much bigger because this world, particularly this country, we’ve got a big problem. You see, 99% of today’s 65-year-olds are not prepared to retire and if you hear that word retirement and you just kind of zoned out really quickly because you don’t think it’s relevant to you or you’ve got plenty of time you might be incorrect, you need to watch this. In fact, in my opinion, you can’t afford to miss this.

Here, look at this. When I said 99% of today’s 65-year-olds aren’t prepared to retire that’s not a made up statistic. Look at this pie chart, this comes straight from the Department of Health and Human Services. You’ll see 54% are still dependent at the age of 65, either on family, church, or state. 36% are still working jobs like welcome to Walmart come to mind. 5% is no longer with us. 4% the government deems financially free, meaning you could support yourself off of $40,000 a year, I mean that hardly represents freedom in most parts of this country. But 1% defined as having a net worth of $5,000,000 or more, that’s how the government defines it, they actually make it to this wealthy status but it’s just 1% so how do we get here? How do these numbers get so lopsided? Well, I’m gonna give you something to consider, we all got here by following time-honored financial advice straight from Wall Street.

Here, look at this article from the Wall Street Journal from back in September 1996. A good friend of mine Jason Hartman turned me onto this article, it’s an older one I know, yet there are countless articles just like it that have been written since, but I chose this one because it covers the longest time span that I could find. This bar graph, it tracks the performance of the most common investments that are available to the average person that make up the vast majority of people’s retirement portfolios. It shows stocks right here over time, averaging an annual return of 13%, shows real estate a respectable 12% with bonds and T-Bills pulling up the rear. The reader of this article is really lead to believe that if they just bought stocks and left their money where they would have done better over time than any other asset class. Would you expect anything different from the Wall Street Journal?

What this article fails to mention is that when people purchase an investment property they typically use leverage to do so meaning they put 20% down of their own money and they leverage 80% of someone else’s money, typically a bank or some sort of financial institution and that’s the norm. What that does to this investors return is it multiplies it by five. You see over the same period of time using leverage, a tool that is not available to the average person with any of these other investments this bar graph would more accurately look like this and we’re not done either.

You see in addition to the real estate’s appreciation there are three other profit centers of real estate the Wall Street Journal failed to mention, profit centers that are not available with these other asset classes either, there’s amortization, depreciation, and cash flow. When you factor these into your returns real estate, we’re off the chart. Real estate, it’s what Wall Street doesn’t want you to know about. Well, unless you invest in their own real estate stocks and funds. Oh yeah, Wall Street, they invest in real estate too, they don’t recommend it to you because they want the off-the-chart returns for themselves and they’ll be glad to share with you the 13% return in their real estate stocks that they showed you here.

That’s how most of the 99% of today’s retirees are getting their results, by following and applying information like this. Even so it’s still a 13% return and that should work over the long term, shouldn’t it? You’d think, but the stats that I showed you earlier they tell a very different story, don’t they? Here, we can interpret this information in many different ways and we can choose to take different actions based on our interpretations. There are really four primary paths people will choose to follow. Here look at this, this is what I mean. This is the live or die matrix, you see we’re all living on this planet and we’ve got a short amount of time here, it’s a finite time, and it’s a short time. Life is short, we hear that all the time and that’s absolutely true. We’ve got one of two options in how it’s going to play out, we can make money and live now or we can make money and delay life.

Now, most people they delay saving enough money to carry them through until they die. Most financial plans consist of trying to hang on until you die. What I’m all about is we’re all going to die, but in the meantime did you really get to live? There are two different ways people approach their finances in order to live their life, they either live life to the fullest now or they play it safe to retire and live later.

Real quickly, before I go on, would you say you are playing all out and living life right now or are you making sacrifices and saving, hoping to live life later. Here’s what I mean in terms of the two ways to go about it, there’s save money, the traditional way, live below your means and save the difference or there’s streaming money, turning the money you do make into streams of income. Real quickly, would you say you’ve been saving more or streaming more? What most people do is they save money to get through life, that’s the strategy. What smart people do is they stream money, they build income streams instead of sacrificing to save piles of money high enough to last them until they die they go to work to live now building streams of money that will last forever.

From the pie chart that I showed you earlier most of the people are living in this lower left quadrant and the strategy here is to work, save, retire. The next biggest portion of the population’s strategy is up here in the upper left quadrant where the strategy here is to work, spend, repeat. Then there is a small portion of the population, the frugal minded people down here in the lower right-hand quadrant, the group of people made popular in the book Millionaire Next Door where the strategy to wealth is to work, save, invest, die. Up here, however, the 1% that’s referenced in the Department of Health and Human Services chart of today’s 65-year-olds, that chart I just showed you, where the strategy that gets them to society’s wealthy 1%, the strategy to get here is to work, invest, live, grow.

Those are the primary strategy of today’s population and here are the results of those strategies. You see those that work, save, retire down here is typically regret. There was so much sacrifice made down here in order for this strategy to actually pan out for the most part people in this quadrant they look back on their lives with regret. Spending a lot of time wondering if it was really all worth it. Thinking about how much of their life they gave up in order to live their golden years in comfort.

The result of the work, spend, repeaters, this result they’re trapped, they are literally stuck and never really see an end to their working lives. I mean if they love what they do maybe there’s nothing wrong with this but if they don’t they are indeed trapped. Now for the frugal Millionaire Next Door types that work, save, invest, die strategy, for the most part, the result here a wasted life. I mean so much effort was put into building their nest egg that they never stopped to enjoy what they built. And for the 1% that deployed the work, invest, live, and grow strategy the result here is independence. Look at all four of these areas, which quadrant do you see yourself operating in most of the time and what’s the consequence if you stay there?

I want you to know that there is a fifth option and this is what we do with our clients is that we move them to this area up here, freedom. You see independence, that’s good, freedom is better. Independence means you don’t have to rely on anyone, freedom means you get to do whatever you want. The strategy up here is live, leverage, invest, multiply. How do you get into the freedom zone? Well to do that we need to build income streams so that we can enjoy life while we’re still young enough to do so, we need to build income streams, multiple income streams.

When I look down here to this lower left-hand quadrant I think of my father, I can’t help but think of my father because he lived here and he subscribed to this strategy of work, save, and retire, “retire”, until he did a little assessment on his life, I don’t know about 20 years ago. He did the math and he was an engineer, he actually did the math and he says, “Wow, this is not going to pan out. This is not going to work,” and he felt a little frustrated to say the least, defeated was probably a better word, and he just kind of gave up and tragically he spent those last years of his life, those last 20 years, two full decades really kind of bitter and resigned and he wasn’t the most pleasant person to be around. I don’t know, I see that and I think he felt a little bit betrayed because he just kind of did what he was told to do and the math didn’t work.

I don’t want to pass that mentality or that ideology onto my son because it’s still being taught today, there’s been no real breakthrough in the type of financial advice that’s doled out to the masses and I don’t want to pass that on to my son. I want my son to live each and every day of his life to the absolute fullest and that’s what I want for you too. On the other end of the spectrum, because there is a bright side, there are my clients and I’ll choose one specifically, Corey. I’m gonna choose Corey to demonstrate some alternate paths to what my dad chose and per the statistic is there’s alternate paths to what the large majority of the country chooses to follow themselves.

Here, let me show you what I mean, this is the Now or Later Creator. The vertical line here represents your monthly cash flow, the horizontal line represents your time here on Earth, and where they intersect this is where you are right now. Let’s say $10,000 a month is our monthly cash flow goal, which when you hit that number you don’t have to work for someone else anymore, this is our independence number. I mean maybe it’s 10K for you, maybe it’s a little more, maybe it’s a little if you’d like just draw this with me and use the number that works best for you. All right below on our timeline let’s put 65 right here, this represents the age of the people on our Department of Health and Human Services pie chart for all intents and purposes this is really it’s society’s accepted retirement age, give or take a few years.

Now follow this red line as this is the most common path people choose to experience retirement. They spend the most active years of their life working, sacrificing, exchanging five days a week for two, living for Fridays, dreading Mondays, clipping coupons, paying down debt so that they can sock away a little bit for retirement and they do this for 40 to 50 years. When they reach the age of 65 if they did everything right, if they were able to save a pile of money big enough to produce $10,000 of monthly residual income, and we know that’s a big if as the stats show that 95% of the people don’t make it following this plan, but for those that do make it the big prize is they get to finally really live life the last 20% of their years they have here left on Earth. 80% plus years of their lives it’s behind them and they can’t get them back.

Let me show you an alternative plan, rather than working to save a pile of money that will hopefully create a stream of money to support your remaining years after you reach the age of 65 let’s flip it, let’s flip the equation. Let’s first work to create a stream of money, let’s do that part first so that you can enjoy life while you’re still young enough to really enjoy it and then if you wish you can allow that stream of money to then create your pile of money, just flipping the equation there.

Another optional trajectory is the epic path my student Corey chose to follow. You see when we met he was 21 years old and he buckled down and he focused solely on this concept. He put in 12 months of focused, hard work and he blew through this $10,000 mark and he decided to lift his head up around $12,000 a month and then he embarked on a little mini-retirement at the age of 22 after several months of fun and travel he put his nose back down to the grindstone, went back to work, and after another year or so in the books he lifted his head again and embarked on another little mini-retirement at the age of 24 of where he is now and this is the trajectory he sees for his future.

The point I hope you walk away with is you have options, that’s what I really want you to see, you have options. You don’t have to do what Corey did, but at the same time, you don’t have to do what the masses are doing either. You see it’s your life and you have options, look at this chart and decide which path you want to take or draw your own path. I mean how quickly do you want to get to your independence number?

Here, let me give you some ideas on how to get there and these are simple concepts to adopt. I mean 95% of the population has adopted the idea of saving your money until the age of 65 years old and they follow it, it’s a simple concept, they follow it. If you don’t like that idea just follow a different one, one that’s just as simple and that idea shifting your focus from making piles of cash to creating streams of cash. Shift your focus from making piles of cash to creating streams of cash. From this point forward anytime you have a transaction in life where there is money actually coming to you in that transaction ask yourself, “How can I turn this money into a stream of money?” Sometimes you’ll have an answer and sometimes you won’t, but at least ask yourself the questions, make it a habit of always asking yourself that question, “How can I turn this money into a stream of money?”

Then follow this new idea of creating streams of money by working full-time on your active income and part-time on your passive income. You still need active income to pay the bills, to eat, to keep a roof over your head. Work full-time on your active income and part-time on your passive income because that’s what’s gonna get you to your independence the fastest. Now it won’t be the most exciting path to your independence number but it will be your most certain and fastest path to your independence.

Now this will work with any form of income streams you may choose, you could write a hit song for the residuals, you could author a best selling book for the royalties, you could invent something and license it, you could build an online automated business maybe something with Shopify or Amazon, or an offline automated business like a carwash or a laundry mat. As long as it creates a stream of income it will work, you can even choose more than one or you can choose the one option that has proven to create more and bigger streams of money for more people than any of the four mentioned combined and that would be invest grade income real estate.

Real estate, it’s the final frontier where the average person has a legitimate shot at creating real wealth. How you define wealth, that’s up to you. If you’re looking for just independence real estate will get it done. If you’re looking for freedom real estate will get it done. If you’re looking to create wealth real estate will get it done. That’s what we do here at Epic, we show people how to become badass real estate investors in eight weeks or less and how to escape the rat race in the next 12 months. To do that we use this, this is the REI Ace model because when this model is executed correctly the result is a badass real estate investor where you have the confidence to take action, you receive money from your actions, and you know how to put your money work so that it works harder for you than you did for it, providing you the freedom that real estate promises.

The REI Ace model is built on three pillars, attract, convert, and exit because if you can’t attract leads you have no opportunity and if you can’t convert those leads to contracts you have no control and if you can’t exit your contracts you have no profit. With our clients what we do is we build their lead machine to attract leads, we install their deal drivers system to systematically convert those leads into contracts, and we give them the ROI maximizer so that they are routinely exiting each contract with the highest and best profit for them at that time, whether that’s a pile of cash, a stream of cash, or both.

I designed this new partnership program called REI Ace to create badass real estate investors, we’ve been running our real estate investing business for more than a decade and in a nutshell how this works we copy and paste the business and business systems that we’ve perfected into your business so that within 24 to 48 hours you are up and running and within seven to 10 days of implementation your phone is ringing and your inbox is receiving leads. You get to bypass all of the business building and focus on what actually pays, the real estate itself.

If you see the value here and you want to take the most impactful action you can to become an Ace real estate investor you’ve got some options. You can take what I’ve shown you here and build your own real estate investing business or you can partner with someone and leverage theirs or we can build you one of your own or you can do nothing and stay the course you are traveling. My goal of this time with you today is to merely reveal that you have options on how you choose to live the rest of your life as it pertains to your finances. If you’d like our help you can apply at

I’m Matt Theriault. God bless to your success. Take care.

Matt Theriault

Real estate investor and educator.