The Whole Truth About Money

13 short videos examining financial products and advice.

Banking Profits mn

The Hidden Method that Earns Gains of 200% or More!

Banking Profits

How banks earn money using leverage, and how anyone can use this same powerful strategy to their advantage.

Don’t Trust Your Best Interests to the Finance Department!

Financing & Purchase Pitfalls

Why “0% financing” rarely is zero, how to make sure you get the best deal on a car or other major purchase, and why using your own cash has a cost!

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Montevideo, MN  56265


Clara City: (320) 847-2307

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Fax: (320) 847-2305

Mortgages mn

Why Common Mortgage Advice Will Mislead You

Mortgage Half-Truths

Re-examine common advice about 15-year vs. 30-year mortgages. How do we take into account time frames, opportunity costs and taxes? Which is really the most efficient?

The secret to Wealth-Buildin Without Risk

Your Maximum Potential

The necessity of reducing costs and saving more, rather than taking on greater risk to compensate for not saving enough.

401k Plan mn

Taxes, Fees, and Depressing Returns

The Whole Truth About Your 401(k) Plan

Explains some common misconceptions about 401(k) and other retirement plans and illustrates the impact of employer matches, tax deferrals, taxes, and fees.

financing your own cars and major purchases

Reserve a Fortune While Financing Your Own Cars and Major Purchases

Never Pay Cash!?

Explains the differences in saving using a Shoebox, a Bank, and a Life Insurance Policy. Significantly increase your assets by paying yourself the financing fees while earning interest on the money you are leveraging.

Truth about the cost of college

The Shocking True Cost of an Education

The Million Dollar Degree

Once we understand opportunity costs, we realize the actual cost of an education goes far beyond tuition, housing and books! How to tell the truth about the cost of college.

About Mutual Funds, Life Insurance, and Math 

What Dave Ramsey Gets Wrong

In this rebuttal of one of Dave Ramsey’s blog posts, Todd Langford uses the Accumulation calculator, small Financial Calculators, and the Market History and Life Values tools to reveal just how disturbingly wrong Ramsey’s assertions are. Then he shows how a whole life policy would have outperformed Ramsey’s recommended strategy, had his math been correct.

How Your Company’s 401(k) Plan Could Be Bleeding Your Business Dry

Business Owners Be Warned

Sometimes business owners are told half-truths by accountants and don’t fully understand the costs and the real returns they might expect to experience when they implement a company 401(k). Set the record straight so that business owners can make informed decisions.

Real Estate returns mn

How to Analyze and Improve Your Real Estate Investments

Maximize Your Real Estate Returns

Analyzes an excellent real estate investment deal and shows how the returns can be significantly increased by borrowing against whole life insurance for the down payment.

Tax Rate mn

How Higher Taxes Sabotage Revenue

Tax Rate Smoke and Mirrors

How taxes do a “vanishing act” with our wealth… and why high taxes are also inefficient for the government!

(and Why the Critics are Wrong)

The Truth About Whole Life Insurance Returns

Demonstrates whole life insurance internal rates of return and how to adjust for taxation and fees when comparing to other assets. What kind of asset cash value is and why comparing it to high-risk financial vehicles is misleading.

term life insurance mn

Improve Returns and Increase Safety by Diversifying with Life Insurance

The “Buy Term and Invest the Difference” Myth

Using examples of a 35-year old invested in the stock market and a 55-year old invested in stocks and bonds (both with term life insurance), Todd Langford uses the Diversification calculator to demonstrate how the returns and the net to heirs can be improved by diversifying with whole life insurance.

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