How Much Do I Need For Retirement?

How Much Do I Need For Retirement?

How much Super?

Will it be Fully Funded?

I am under 30:           No worries mate.

40:                  Yes, I think I’m OK

50:                  Um…how much do I need?

60:                  How can I top it up?

70:                  Why wasn’t I told??? I need to find a job; where can I get a job at my age?

 I have never been one to advise to contribute heavily into Super. We need to use a lot of money now, while we are buying a home, raising a family, having an occasional holiday.

This money is not available whilst sitting in Super., but you can assist to finance your now-needs by incrementally creating a Personal Investment Pool. Conservative leveraging against this pool can also be used to assist with your daily lifetime needs, without selling down the valuable asset.

I have always been adamant that we all need to build an alternate/additional sustainable, passive, lifetime income stream.

It needs to be, or become passive, otherwise it will always depend on you putting in daily hours to keep it going.

I regard Retirement as a misnomer. We all need to quit the 40 hour week paid job, or 100 hour personal business at some stage, however what we need to do, is to revert to something which captures our interest, is enjoyable, and hopefully might produce a sustainable income.

As well as this sanity-and-health-saving interest, we need to have built an income which has been bubbling along beside our main source job or business, and which will continue throughout the rest of our life.

Superannuation will be part of this, however experience shows that it is rarely enough to last the distance, nor achieve the desired comfort level.

The time to start to build this alternate income, is whilst we don’t need itNOW. If you have passed this point… it is still NOW.

It will take time, and it will require work; but it is essential.

For those who have been able to fund a BIG investment portfolio, this might be as far as you need to go. Investment dividends and benefits will give you the regular income that you need. It still requires your time, and hands-on involvement, but there is help available.

For the majority of people, this will not be enough, given that we might expect to live for 30+ years after the “job” ends.

I would maintain that even those with the big investment pool should also work at creating a parallel income stream. More eggs in the basket, and a diverse interest!

We believe that we have an opportunity to tap into the best ever source of continual income. It uses the common known fundamental, of finding a surging Market, and placing yourself in front of it.

Not always easy, and not necessarily lasting, however, what can be more certain and lasting, than the day-to-day living expenditure of the world? It might go up and down, and focus might change from product/ activity/ service / country, but when you have the total market covered, it doesn’t matter. People will eat and aspire to good health.

The company of which I am talking has been in operation for 33 years, has a small product list, and has thousands success stories on it’s CV. Entry cost is minimal, and there are no monthly minimal targets in the base program.

On-sell (work) is the basis of the company, and carries reward for effort (work).

Health, and the cost of poor health are at the head of every daily agenda.

No matter whether you are at “no worries mate”, or “why wasn’t I told?”, and you have an hour or so to actually seriously consider the matter, you might have a look at my site to join and shop and save.

Then continue on to  my Blog Page for more information.

This is the lifetime sustainable, continuing income side of it (where you start Now).

It is relevant and active in most countries, and my link is valid in yours.

If you visit, please let me know what you think:

Mob: +61402349218



You will notice that I continue to say Work …work and be paid.

It is strange that many people can’t quite comprehend this concept.

Secret: Life has gone past 9-5 at someone else’s desk! Others work too!

I have posted about Selling previously. A prominent Director at a major public company proclaimed that “anyone who does not sell, will never progress through this company” E.R.Wilmoth.


I invite you to try it now; you might enjoy saying “no worries mate” at 70.

Call me at any

David Massey – Independant Reliv Distributor


“Just Another MLM Company”. End of Story… or is it?


“It’s Just Another MLM Company”

 This is the most common phrase that I hear (day by day) in my Attraction Marketing business.

There are thousands of MLM companies; there are millions of share based companies; there are multi-millions of private businesses.

A minority of “businesses” are unqualified successes, and your chance of getting to the top rung of ANY of them is …    But the general perception is, that working for a company is the only ethical way of working and doing business.

In Multi Level Marketing (MLM), everybody starts with nothing; very few people are prepared to do the work necessary to succeed, and very few people follow the advice of those who have succeeded. So they fail, so MLM gets a bad name.

Most businesses have a commission / or effort based remuneration system, somewhere in their structure. We would hope so. Have you ever bought a car where the salesman was not on commission? And did his boss get a commission on the sale also?

So why is everybody so obsessed with, and up in arms against your friend or relative who might receive a commission from an MLM company, which he has had the guts to join and promote, and works hard for?

And how is he going to get a commission if he doesn’t promote it?

“The animal of prey preys, or doesn’t eat.  A marketer markets, or doesn’t eat”.

photo Tiger 

In any business, you are more likely to earn more the longer you are there. Is that inequitable? Of course the early birds have a good chance of earning more…if they stick at it.

“Will it all be gone by the time that I start?”  There are billions of people in the world (market). Will you be happy with a small percentage of that?

Let me give you a glimpse of a part of the work schedule of Rob, one of the world’s best marketers:

1) Produced 20 keyword researched videos

2) Published all 20 videos as Hangouts

3) Published all 20 videos as You Tube videos

4) Embedded all videos on his web-site

5) Embedded all videos on a blog site

6)Promoted all links using SocialAdr and SpinDistribute

… and more

All in ONE week. And he produced lots of traffic.

Rob puts the Work into NetWorking.

Rob Fore has been, and is, extremely successful in several MLM companies. He is ethical, open and helpful to all.

Not all of Rob’s ventures have proved to be winners – he moves on, and starts again…and is extremely successful, and helps others become extremely successful. That is the nature of MLM.

What can be more ethical than to mentor, train and help your team to earn an honest living?

As you have seen from my posts, I most probably will never achieve the level of expertise displayed above, however the everyday tools and techniques are available to everybody. (My grandchildren might reach that level of expertise in a matter of few weeks, but that is another story! As you might experience).

You don’t have to re-invent the wheel. The whole team in every good organization, work together for the benefit of all, and for the excellence of the product. Is this a reasonable concept?

So when you refer to Just Another MLM Company, you might consider the amount of work that everyday people are putting into that company, to assist to bring you a worthwhile product, and make a living for all concerned.

If you would like to see more than just another MLM Company, click here. This link refers to the Australia, however we are in many countries, and my link is valid for you in your country. Your product gets delivered to your door, same as mine.

You can Email me at:, and I can help you with your start-up and queries.

With my very best wishes

David Massey – Independant Reliv Distributor