Annuities Produce Fun Coupons: Shootin’ It Straight With Stan

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Welcome to Shooting Straight with Stan.

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I'm your host, Stan the Annuity Man,

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America's annuity agent, licensed in all

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50 states in Puerto Rico. I can say

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that. Zeke. Zeke's behind the camera.

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He's a Korean Hawaiian.

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He's got a like a beard down to his

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chest, wearing board shorts and a what

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is that? Like a Hobie shirt. I don't

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know what he's got. You know, he's he's

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from Hawaii. He's good. Today's topic is

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a good one. Of course, I made it up out

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of thin air because that's what I do.

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But then I can tell you about it

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factually. And the topic is annuities

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produce fund coupons. You say, "Wait a

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minute. Wait a minute, Stan. I've heard

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the fun coupons before. How the how did

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annuities get in there?" Well, first

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thing I always tell people is money.

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All that is is fun coupons. I tell my

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wife that all the time is she's like,

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"Stan, that's not that's not always

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true." Well, make it true. Okay? Because

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here's this is my new saying for the

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year. Okay?

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If life is full circle, Zeke loves this.

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This motivates Zeke. every day he gets

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up and comes to work at the annuity man

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and and this is it. Eventually, if you

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live long enough, you're going to you're

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going to be drooling into a drool cup

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and your pants.

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Okay. How's that for motivation? How's

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that, Zigg Ziggler? How's that power of

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positive thinking?

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I'm right. So, money is nothing more

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than fun coupons. And for a lot of you

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out there, you've already won the game.

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Why are you still playing? I want you to

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envision yourself and you're dribbling,

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dribbling, dribbling the arena and and

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and you know, you're spinning and doing

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it through the legs and you look up,

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bands leaving, cheerleaders leaving.

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They shut the scoreboard off. Why?

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Because you've already won the game. But

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no, no, no. You want to play. You want

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to you want to trade the market and you

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want to you want to pay the least amount

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in taxes that you can pay and you want

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to thread the needle and you want to run

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spreadsheets and you want to look at

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your statements.

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My daughters, 29 and 27, are hoping that

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I do that. That's just more money for

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them to spend.

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I love them. They're great. But they've

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been flying first class for a long, long

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time. And that ain't going to change.

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They've been living under that umbrella

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of capitalism that I so happily provide.

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And I'm not going to say which one, but

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one of them thinks that capitalism is

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crap. She's like, "Capitalistic

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monsters. They're just monsters." Yeah,

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but you're living under that umbrella.

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And you might have the same kids out

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there and I love them to death. I'm the

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worst parent in the world, but I love

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them to death. So, annuities,

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okay, primarily do principal protection

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primarily. There are four things they

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do. Principal protection, income for

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life, legacy, long-term care. Most

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people buy them for principal protection

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to get interest and lifetime income.

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What is that? What's interest? You're

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right. Say it again. Say it louder. Fund

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coupons. Those are fund coupons. Don't

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let the IRS live in your head rent free.

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Don't go, "Well, if I take that out,

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then it's going to bump me into another

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bracket and then I'm going to have to

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pay taxes." And listen, let me just tell

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you something. If you live in one of the

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states that you know that has high

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taxes, they're going to keep taxing you.

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Even if you move, they're going to tax

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you for moving. It's a clawback tax. I

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read about it today. I read about the

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state of Washington proposing a 9% tax

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on people that make a million dollars.

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And you go, "Well, maybe that's the way

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it should be." What? Guess what they're

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going to make next year? 990. Okay,

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people. Rich people are rich for a

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reason. I'm talking to you because

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you're probably the evil rich, too. You

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go, "Well, I'm not the evil rich." Bet

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you the politicians think so. When 60%

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of the senior citizens out there have

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$10,000 to their name and 54% of the

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people driving down the road beside you

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have their net worth in their front

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pocket.

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Annuity annuities can't produce fund

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coupons. Money should be fund coupons to

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you.

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There's a lot of you out there that have

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no debt. They've own everything. You own

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your car. You don't have any payments.

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Yet, you're trying to figure out, boy,

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how could we not pay as much in taxes?

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What are you doing?

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Live your life. Travel. Because I will

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guarantee you that if you're married,

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one of you, probably not you, one of you

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could care less about the financial

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stuff, could care less about the stock

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market, could care less about what Stan

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the annuity man says. All they care

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about lifestyle, going to see the kids,

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very nice outfits, jewelry, eating out,

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whatever. That's not being misogynistic.

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That's not being a chauvinist. I'm

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talking about myself. I like shoes. I

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like jewelry. I like to go out. I like

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all that. I like guitars.

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My wife said the other day, she goes,

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"What are you doing? You got like 40

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guitars in your office." I'm like, "I

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understand that, but I've got three that

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I'm really looking at right now to add

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to that." She goes, "Why?" I said,

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"Because money is fun coupons.

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Money is fun coupons."

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Some of the most content people in life

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that I know, they don't have any money,

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but when they get money, they enjoy it

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or they give it away. You want to feel

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good, give money away. Give money away

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to a good cause. You'll feel good. It It

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will help you.

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So, annuities

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can produce and do produce fun coupons.

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What are fun coupons? Money.

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I had a lady call me today and she goes,

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"So, what do you think? Uh, should I buy

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should I buy gold? Should I buy a lot of

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like hard gold? Like gold you can h hold

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in your hand?" And I went, um, let me

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think for a second. Let me give you a

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scenario. You go to the grocery store

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and you need milk, eggs, and bread, and

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all you have on you is a gold bar.

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One of those gold bars you can buy from

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Costco, right? Gold bar. They do sell

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them at Costco.

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So, you go to the checkout. How much

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gold do you shave off for the bread?

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Okay. People are People have lost their

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minds out there. There's people that

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that have gone all in on gold or all in

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on silver or all in on Bitcoin. You

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can't go all in on annuities because I

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won't let you. It's illegal to do.

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Don't make this so hard. This is very

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very simple. Okay? You look at the

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income you need to live every single day

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and to live well and to live chapter two

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of your life at a better rate than

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chapter one. That's called your income

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floor. That involves social security,

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very good annuity, very good inflation

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annuity. Yes, it's an annuity

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or RMDs on your IRA. Those are annuity

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payments because they happen every year.

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A pension if you're so fortunate.

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Whatever. What is that income floor?

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And then add to that so you can go live

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your life in chapter two. Chapter two is

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about you. Chapter two should be

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non-correlated. What does that mean,

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Stan? Does that mean I'm not talking to

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people? No. That's my life. That's

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called misanthropic.

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Um, no. Non-correlated means it's not

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attached to the markets. My comment to

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you and my question to you is

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why are you so enamored with risk? Why

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are you shouldering risk? Why are you

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trying to get all these stock market

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returns? You don't spend the money

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anyway. Hello.

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I talked to a guy the other day.

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We going through and I ask hard

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questions. They're confidential, but I'm

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not afraid. I mean, I'll ask you

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anything. I said, "Hey, man. How much

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money you got? Like not your house, not

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your car, not your guitar. Because he

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was talking about, you know, can I make

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it? Can I this? Can I that? Dude spits

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out 9 million to me. I said, listen,

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player, you're good. You're good. I did

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some basic math to him. He's like,

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"Yeah, I guess you're right." But as my

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wife says, what he's suffering from is

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scars of scarcity. He has been at a

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place in his life where he had no money.

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We've all been at a place in our life

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that we've had no money. I'm going to

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tell you my story in a second where that

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scar is there. And when you tell the

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story, you'll choke up. And I'm getting

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ready to choke up when I tell this

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story.

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But you can't get off of that. You can't

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get off. Go and use money as fun

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coupons. Money is is putting you back

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into a prison.

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Here's my story. My oldest daughter was

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two and I've been on I've been I've

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never had a salary in my life. I'm

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doctor entrepreneur. My wife, God bless

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her, what a saint. Okay. She's put up

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with my entrepreneurial rear end for a

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long, long time. And finally, I get to

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look look at her and go, "Hey, look at

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it. It's worked out." And she goes,

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"Yeah, there were some tough times." I'm

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like, "You're right." And and this is

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the tough time. Come home.

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My wife's crying. Two-year-old daughter,

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beautiful daughter. We didn't have we

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didn't have baby food. And and and my

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wife didn't have the money to go get the

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baby food. Okay. All you husbands out

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there, I want You know what I'm talking

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about. What do you do? Anything. Rob,

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steal, whatever. Go to the grocery

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store. I had a credit card. I think I

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had like $300 left on it. I bought, no

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kidding, because you know I don't do

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anything in moderation. I bought $300

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worth of baby food. I bought so much

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baby food that most of it went was

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spoiled by the time, you know, we went

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through it. And my wife's like, "You

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bought too much." But to me, that's the

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scars of scarcity. Okay. That still

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hurts me to this day to have that happen

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as a father and as a husband.

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Did it work out? Yeah. Yeah, it did. But

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it made me realize that that extra

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guitar is okay. We're going to be okay.

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You know, as my I tell my mom, buy the

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drink. Forget Carpey D and buy the

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drink. You know that story? I'm going to

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tell it again. My mom and dad to go to

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dinner with them. They wouldn't order

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drinks because the drinks were too

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expensive. And they'd order two waters.

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They'd order extra lemons, squeeze the

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lemons in the water, and then put sweet

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and low into the into the water and the

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lemons and call it table lemonade. I

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wanted to kill myself at the table. And

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I think there was time that I grabbed a

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fork and I stabbed myself in the arm.

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They were not enjoying the day. My mom

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is now. My mom is now. My dad passed

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seven years ago. My mom will buy the

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darn drink today. She'll buy a mjito.

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She will go out there and she'll buy a

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margarita. She's 87.

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I think she she's 86, getting ready to

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be 87. Walk six miles a day.

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She's enjoying life. Annuities produce

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fun coupons. Money is fun coupons.

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Annuities produce money. See how that

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works? Let me do it again. Annuities

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produce fund coupons. Fun money is fun

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coupons. Annuities produce fund coupons

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and money.

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Forget the wars. Forget politics. Forget

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the news. Forget cable news. Forget it

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all. It's about you.

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It's about your situation. It's about

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chapter two. It's about maximizing and

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it's about doing everything you can do

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and enjoying money as fun coupons before

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you have to wear a diaper. And as my

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friend says, "Well, that depends." And I

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went, "You're right. That's the name of

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them. Depends.

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I find myself

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being a motivational speaker. It's not

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Zigg Ziggler. Zeke doesn't know who Zig

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Ziggler is. He thinks that's a rolling

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paper. It's not Zig Ziggler. It's Stan

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Ziggler.

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Okay. Seize the day, my friend. Buy the

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drink. Use the fun coupons. We can help

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you produce those fund coupons with

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guarantees with annuities. I know what

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you're saying, Stan. That's the sappiest

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close I've heard in my life. But it's

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true.

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Do me a favor. Do me a favor. Send me an

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email. Stantheanityman.com.

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If I have to teach you how to spend

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money again, I will. If I have to teach

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you that money or is fund coupons, I

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will. If I have to remind you that your

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your kids will f fly first class, so you

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better fly first class. I will.

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Yeah, we sell fixed annuities. Yeah, we

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sell contractual guarantees, but it's

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bigger than that. I want my clients to

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live their life.

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It's great story. I'll end with this.

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These hats we've been sending out, I

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don't know when you're going to watch

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this. Hopefully, we have some in stock,

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but if we do, you can send me an email

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at stantheanuityman.com.

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And the reason I'm doing that is I'll I

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say to people, I'll send you the hat,

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but you got to send me a picture at a

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place you'd never go. Whether it's a

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restaurant, I don't care where it is

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that that that's just out of character

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for you to go. Get a text the other day.

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Get a text the other day, dudes in

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Bangkok

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with the annuity man hat. Now, I'm not

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going to get a lot of clients over

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there. I get that. But that's what I'm

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talking about.

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And you know, he sent it to me and he

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said, "Buying the drink in Bangkok."

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There you go. There you go. To me, I've

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done my job. And as I get older in this

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business and continue to dominate it,

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I'm going to start talking more about

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this part of life and how annuities can

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enhance that. But my biggest thing for

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you is to live your life. Money, fun,

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coupons. Annuities produce fun coupons.

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Think about it. That shoe to stray with

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Stan.