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Welcome to Radical Personal Finance, a show dedicated to providing you with the knowledge, skills,

insight and encouragement you need to live a rich and meaningful life now,

while building a plan for financial freedom in 10 years or less.

Today we continue with our Asset Protection Planning for Mere Mortals series.

This is part nine of that series wherein we discuss health

and education account exemption planning. A few moments of preamble here. When I

began this series I wanted to really focus it in on useful advice for mere mortals.

And when I use that term, I'm simply meaning relatively ordinary people,

ordinary people who are earning wages or have profits from an ordinary business and

those wages I'm assuming are in the thousands, tens of thousands, hundreds of thousands of

dollars, not particularly in the millions of dollars of annual earnings, and

normal amounts of wealth for somebody who is proficient at accumulating capital, hundreds of

thousands of dollars, millions of dollars, that's where this series is really focused. I'm specifically ignoring

the very high income earners, not because these techniques cannot be used by a high income

ear. If you're making $30 million per year, you can still use

these techniques. It's just that these techniques don't accomplish what you need to accomplish.

They're just not big enough to really make a big difference in your personal scenario because the limits are by comparison to how much money you have to protect.

They're not useful. They're just not big enough.

...