New Book Reveals The New Way to Save and Pay for College

...And the Problem with Traditional College Funding Strategies 

Dear Parent,


After meeting with hundreds of families over the years about college funding, I have decided that there are two types of people in the world.

First, there are those who never stress about money or paying for college.

They started saving for their child’s college education the minute they were born. 


They have saved a minimum of 10% and up to 50% of every penny they have made since they were kids. 


They have at least 6-9 months of income in an emergency savings account. 


They have never gone into debt (except for maybe a mortgage), and they pay cash for every major purchase. 


They know exactly how much they need for retirement, they read the wall street journal daily, and they call Suze Orman and Dave Ramsey before they make a major financial decision.  :)


They move to the nicest neighborhoods so their kids can go to the nicest schools or they pay for private school. 


They start college visits across the country while their kids are in middle school and they hire the best tutor’s money can buy to prep for the ACT and SAT tests. 


If this is you, you are probably reading this because you know the importance of being smart with your money and you realize how expensive it is to send your kids to college. 


Maybe you are where you are in life because of your education and you want the same for your kids.

And then... there are the rest of us.

We stress about money and paying for college every day. 


We worry about job security and paying bills from month to month. 


We have no idea if we are even going to retire.  We have made several financial mistakes and struggle from time to time with debt. 


We thought about saving for college at one point but stopped when money got tight. 


We have the greatest intentions to build up a savings account for an emergency but it seems like the emergencies are a regular occurrence so we never get ahead. 


We want our kids to have great experiences and develop their talents, so we make sacrifices to get them into dance, sports, music, etc. even though we can’t afford it.


We finally hit our peak income potential and finally start to see the light at the end of the tunnel and then… COLLEGE!!  IT COSTS HOW MUCH???  IS THAT FOR THE WHOLE 4 YEARS OR EACH YEAR??? 


EACH YEAR???!!! 


We start to realize that we are expected to pay more for our child’s education than we have saved for retirement!


Okay, so maybe that is a bit extreme, I was joking about the Suze Orman and Dave Ramsey comment, but you can probably relate to one of these two types of people, right?

I'm not worried.  I have an exceptionally gifted student.

Some of you may have an exceptionally gifted student so you aren’t worried about college because you know they will get SCHOLARSHIPS! 


Unfortunately, you are SHOCKED to find out in the spring of the Senior year that private scholarships make up less than 1% of the free money for college. 


You are sick to your stomach when the reality sinks in of how much you are going to have to pay out of pocket for college. 


Your child has worked so hard but now you have to break the news to them that you really can’t afford to send them to their dream school. 


Their dreams of the ideal education and the ideal career are crushed. 


The time and money spent on college visits has been a waste of time and money.  You can’t figure out how a school with billions of dollars in their endowment fund could charge so much for a college education.


You are freaking out about making a mistake on the financial aid forms because you have heard horror stories of how much money you could lose. 


You find out later that you could have sent your child to a top tier private school for less than the local state school.

So, what do we do?

We spend what little we have in college savings and we try and cash flow as much as possible right? 


And then… we borrow. 


Thanks to the government and the banks, we can still give our child the education of their dreams. 


We are just going to have to pay for it for the next 10 years. 


But that’s okay, we can worry about retirement when we are… wait…  in retirement????

There is hope!!

My name is Lance Morgan and I am the author of the best-selling book “The Retirement Scholarship Strategy”


But I’m not your typical financial guru. 


I didn’t learn this information from my fancy education and I didn’t grow up with millionaire mentors who taught me everything I know. 


Unfortunately, I learned this information by making lots of mistakes. 


We thought babies were so cute so we had 5 of them. 


When my oldest daughter made the competitive dance team and they said how much it was going to cost, we made the financial sacrifices for her to dance. 


When my second daughter who never stopped wanting a horse from the time she was born, decided she wanted to be a barrel racer, we made the sacrifice to get her a horse. 


When my third daughter wanted to be a cheerleader we made the sacrifice for her to be a competitive cheerleader. 


When my fourth daughter wanted a $10 jump rope because she wanted to be a professional jump roper, we said YES!  YOU CAN HAVE TWO! 


Our fifth is a boy but he is only two years old so stay tuned for the rest of that story. 


Then one day it hit me... 


I learned the information in this book out of desperation not inspiration. 


I started to learn everything I could about money and the financial strategies of the wealthy. 


I learned the problems with the traditional college savings plans


I even switched careers and paid tens of thousands of dollars to learn from the top financial gurus in the country.  I have spent the past decade educating families and about financial strategies. 


And yes, I have learned how to pay for college without sacrificing my retirement.  I call it, “The Retirement Scholarship Strategy.”


Yes, YOU CAN pay for college and get ALL your money back during retirement! 


Sounds too go to be true, doesn’t it? 


What’s even more crazy is that it only takes 3 ingredients to apply the retirement scholarship strategy. 


It is almost sad how simple it really is. 


The first thing you are going to ask yourself after you learn this information is, “why haven’t I heard of this before?”  And the second question is, “why isn’t everyone doing this?” 


I have met with some of the wealthiest families in the country and even they didn’t know this information.  But the banks and large corporations have been doing it for years!

Not your typical college funding book

In case you haven’t noticed, this is not going to be your typical financial or college planning book. 


You aren’t going to learn this information from your financial advisor who sold you a 529 plan. 


You won’t learn this information by attending a financial aid night at your local high school. 


In this book, I explain why the colleges, government, and financial advisors don’t want you to learn this information.


You might be thinking, “But I have a Senior in High School.  It’s too late for me.”  WRONG! 


This information is applicable to those like the first type of person who are starting to save for their child’s education the minute they are born as well as those of us in the second category who woke up one day and realized our child was going to college next year and we have no college savings. 


And it's easy to read.


It’s only 160 pages and there are lots of graphs and charts.  You could easily read it in an afternoon.  I know because I read it several times proof reading it. :)


Once you learn this information you will be like one of my clients from San Diego who recently said “Thanks for working so hard on this for me. I can't tell you how much better my sleep is!” 


Or another client who recently said, “Learning about this method has reduced the stress of feeling like helping to pay for our kids college would prevent our retirement planning.”


There is hope for all of us!!  Even if college snuck up on you and you aren’t 100% ready for it. 


The best part about this book is that the strategies you will learn about paying for college can be used to change your entire financial situation. 


This strategy has been used to double or even triple family’s retirement incomes in the past. 


It will put you in a much better and more financially stable position.


Your stress about paying for college and money will be a thing of the past.  You will discover that you really can retire! 


In fact, it’s kind of like having your cake and eating it too. 


It's About MORE than Just Paying for College

You also get the 7 secrets to reduce the cost of college.  For some families they can send their child to a top tier school for less than the local state school.

For example, you will learn the truth about private scholarships and where the free money comes from.  Even if you are a high income family.


You will learn how to avoid the biggest mistakes when completing the financial aid forms.  Unfortunately many families are giving up free money unknowingly and unnecessarily just because they make mistakes on the financial aid forms.


So like I said, there's more to this book than "just" how to save and pay for college. Here's a fraction of what you're getting...


  • How to Earn a Degree from a Top Tier School for Less Than a Local State School

  • How to Maximize the Free Money for College Without Applying for Private Scholarships

  • 7 Steps to Reduce the Cost of College

  • Free Money for High Income Families

  • The One Thing that will Determine Your Financial Aid

  • How to Position Your Family Finances to Maximize the Free Money

  • How to Avoid the 9 Most Common Mistakes When Filling Out the Financial Aid Forms

  • The 3 Most Common Ways to Pay for College and Why They Don’t Work

  • Why How You Save and Pay for College Is More Important Than How Much You Pay for College

  • The Problems with Using Cash Flow or Savings to Pay for College

  • The Truth About 529 Plans:  What the Government, Colleges, and Most Financial Advisors Don’t Want You to Know

  • The Problems with Using Life Insurance for College Funding

  • The Problems with Using Taxable Accounts for College Funding

  • The Problems with Using 401(K) And Other Qualified Plans for College Funding

  • The Problems with Using Home Equity for College Funding

  • How to Pay for College and Get Back Free “Scholarship” Money During Retirement

  • How to Save For College Even If Your Student Is a Senior in High School

  • The 3 Ingredients for The Retirement Scholarship Strategy

  • How to Pay for College with Other People’s Money Without Using College Loans

  • How to Use Real Estate for The Retirement Scholarship Strategy Even If You Don’t Currently Own a Home or Have Equity

  • How to Use the Stock Market for the Retirement Scholarship Strategy

  • How to Use Insurance Companies for the Retirement Scholarship Strategy

  • How to Get a 6-8% Average Return on College Savings Without Risk

  • How to Borrow Money at a Fixed 5% for College Without a Credit Check, Application Process, or Structured Payment Plan

  • The College Savings Vehicle with the Lowest Fees

  • How to Use the Investment Strategies of Banks, Large Corporations, And the Ultra-Wealth to Pay for College

  • How to Grow Your College Savings Tax-Free Without Using a 529 Plan

  • Where You Can Shelter Assets to Lower Your Expected Family Contribution Number

  • How to Protect Your College Savings from Law Suits, Creditors, and Bankruptcies

  • How to Create a Backup College Savings Plan for the Unexpected

And much, much, more!

But you know what you'll really love?

This Strategy Works for More Than Just College Funding

Listen, if you are stressed about more than just paying for college, you're not alone.  I have 4 daughters so I also need to pay for weddings. 


The great part about the information in this book is that it can be used for more than just paying for college. 


How would you like to increase your retirement income?  Or would you just like to increase your emergency savings fund? 


This information will help you to increase your overall financial situation.


If you are like the second type of person that I explained in the beginning, you have probably made some financial mistakes in the past. 


Don’t make one of the biggest financial mistakes of your life by paying for college without reading this book. 


The cost of college is one of the biggest expenses in your life.  You owe it to yourself to invest the time and money to make sure you don’t make any mistakes.


If you are like the first type of person who already has money saved for college, just think about how nice it would be to get all that money back during your retirement. 


You have always been responsible with your money.  That’s what got you to where you are today.  Now you can learn how to maximize your dollars.

Here's What To Do Next

The “investment” for this book is only $9.95.  It is priced so that everyone can afford it.


As soon as you place your order, you will get an email with a link to download the book.


You can access it anywhere, immediately, whenever you want without having to lug around a hard copy for wait for the mail man.


Oh, and in case you're wondering ...

Time Is Of The Essence!

I wanted to get this book into the hands of as many families as possible, but because the price is so low, and the cost of marketing is so high, I’m taking a loss on each book that I sell.


Now why would I do that?


Simple.  I’ve packed as much value as possible into this book and I feel confident that you’ll love it so much that you will want to take advantage of some of our other services down the road.


Anyway – with all that said, this is a limited offer.


Plus, the sooner you learn this information the more you can save on college.


Oh. And in case you're wondering ...




Of course there's a money-back guarantee.


In fact, I think it's ..."

The Boldest Guarantee In The World

I know I have made some pretty bold statements so here is my disclaimer.  I don’t know anything about you or your situation. 


I don’t know if you will apply this information or if these strategies will work for you.


But I will make this guarantee.  I guarantee that reading this book will not be a waste of your time.  I guarantee that you will learn something that will put you in a better financial situation. 


I promise that this will be the best return on your investment of both time and money or I will return your $9.95 with no questions asked and you can keep the book. 


That's right. 


You don't even have to send anything back. 


Just email me or call the number on your receipt and I'll give you back your $9.95 with no questions asked.


How's that for fair?

This Is Truly A Limited Offer So Claim Your Copy Now Before It Expires

Thanks for taking the time to read this letter and I look forward to speaking with you soon.




Lance Morgan


P.S.  In case you are like me and scrolled to the bottom, here’s the deal:


I’m offering you a book that outlines the exact strategy I am using for myself and hundreds of families to pay for college without sacrificing your retirement.  I’m also showing you how to reduce the cost of college without searching and applying for private scholarships.


The book is $9.95.


This is a very limited offer because it is a marketing test.  It costs me more in marketing than I make from selling the book.


There is no "catch" to this offer. You will not get signed up for anything else or get any annoying phone calls from a salesperson.


In fact, if you don't like the book let me know and I'll refund your $9.95 immediately. You don't even need to send the book back.


Click the button to get your copy now.  You won’t regret it.


100% Satisfaction Guarantee!

What are Others Saying About The Retirement Scholarship Strategy?

If you are still trying to decide if you want to purchase this book, it’s probably not because of the price.  Your time is far more valuable than the price of the book. 


I can’t promise that it will be like a good novel that keeps you on the edge of your seat.  I can’t promise that you will laugh hysterically, or that it will tug at your heart and give you a good cry.  Well, actually, you may cry but they will be tears of joy. 


Here are a few comments from Facebook that might help...

DISCLAIMER: The statements above are the results of my own experience and the experiences of the families I have coached over the years. Most people who buy any “how to” information gets little to no results, especially if they aren’t willing to follow the suggested strategies outlined. All successful strategies require you to take action. If you're not willing to accept that, please DO NOT GET THIS BOOK.

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