Every person arrives at certain moments of truth in their lives. For Ethan it happened when a large portion of his money get lost with the decline of the stock market. He also saw his parents retire with a healthy nest egg, but quickly had their retirement dreams dashed ... all due to being tied with the majority of their money in stock. Ethan and his parent are not the only victims of the Wall Street Roulette. Thousands of Americans gamble with their money on the stock market every day.

Ethan came across a 101 plan, a whole life dividend paying insurance policy, and it quickly changed his life. He sold all his stock and quickly funded a 101 plan. It's been one of the smartest financial decisions he's made. Each day the stock market goes up or down, his money only continues to grow Since then Ethan as been devoting himself to get the message out about the safety and security of little known and underutilized tools that could help thousands of Americans. In the book "The Richest Man in Babylon" one of the keys is not to lose your principal. Sadly Americans have lost sight of this simple truth and gamble with their live savings each day. Fortunately a 101 plan is a way to help reverse this horrible trend.

Ethan Kap and his partner, Brett Kitchen. are founders of True Financial Age: a webiste dedicated to help Americans learn how to better grow, save, and secure their money. People can take the True Financial Age quiz and discover their Never Work Again Number. If you're behind financially, you can also get a clear blueprint to get back on course. Ethan is happily married to his wife Erika, and has two wonderful kids: Zachary and Zoe.