Prosperity Economics: An Alternative to “Typical” Financial Planning

There is no shortage of financial advice, but that has not led to economic security for most Americans.

Many are saving in their 401ks and other qualified retirement plans, crossing their fingers it will be “enough.” Meanwhile, even those considered relatively wealthy are often unsure of how to grow their assets while protecting them from market instabilities and taxes.

Prosperity Economics offers a way out of the mess.

It doesn’t aim to help people succeed better at flawed strategies; rather, it offers a total paradigm shift about wealth-building. Prosperity Economics questions the financial assumptions we’ve come to accept as true and provides an alternative to “typical” financial planning.

Prosperity Economics: An Alternative to “Typical” Financial Planning

While sometimes hailed as the latest greatest thing, Prosperity Economics hasn’t been so much discovered as rediscovered. Prosperity Economics employs common-sense principles and strategies that preceded the rise of 401ks and the financial planning industry. It shows us how to optimize wealth by keeping it in our control rather than delegating our financial futures to Wall Street, big corporations, and the government

The chart below gives an overview of Prosperity Economics as contrasted with typical financial planning:

Financial Planning

Prosperity Economics

Meets needs and goals only
Based on limited ideas of “what you can afford.”

Pursues wants and dreams
Based on unlimited ideas of “what is possible?”

Minimizes requirements
“How much do I have to save?”

Optimizes opportunities
“How else can I build wealth?” mindset.

Product-oriented (what you buy)
Focus is primarily on buying certain products.

Strategy-oriented (what you do)
Based on time-tested principles and financial philosophies used to build wealth.

Focused on rate-of-return
“How much is this earning me?”

Focused on recovering opportunity cost
Keep more money working for you

Institutions control your money
Put your assets “under management,” (and/or give control to government.)

You control your money
Maintain responsibility for and access to your assets and funds.

Micro (vacuum) based
Focus is on your “portfolio.”

Macro (big picture) based
View your whole personal economy.

Net worth is measurement
A bigger portfolio is the goal.

Cash flow is measurement
The goal is more money to enjoy each month.

Retirement oriented
Your reward for work is not working.

Abundant/Freedom oriented
Enjoy your work and your life — all life long.

Lives only on interest
At mercy of interest rates, with fingers crossed you won’t need to use principle.

Spends and replaces principle
A flexible, sustainable way to live.

Money stays still
Assets are accumulated into accounts
where they sit, financially “stagnant.”

Money moves
Your personal economy is alive and well; money flows in and out of accounts.

Dollars do only one job
Save separately for emergencies, education, retirement, major purchases. Spend each dollar for one purpose only.

Dollars do many jobs
Dollars are used for flexible and multiple purposes.

Professional planner is the expert
Finances are represented as something confusing that should be delegated.

Clients are empowered
Money is demystified. Education-based approach builds financial confidence.

Financial Planning

Meets needs and goals only
Based on limited ideas of “what you can afford.”

Minimizes requirements
“How much do I have to save?”

Product-oriented (what you buy)
Focus is primarily on buying certain products.

Focused on rate-of-return
“How much is this earning me?”

Institutions control your money
Put your assets “under management,” (and/or give control to government.)

Micro (vacuum) based
Focus is on your “portfolio.”

Net worth is measurement
A bigger portfolio is the goal.

Retirement oriented
Your reward for work is not working.

Lives only on interest
At mercy of interest rates, with fingers crossed you won’t need to use principle.

Money stays still
Assets are accumulated into accounts
where they sit, financially “stagnant.”

Dollars do only one job
Save separately for emergencies, education, retirement, major purchases. Spend each dollar for one purpose only.

Professional planner is the expert
Finances are represented as something confusing that should be delegated.

Prosperity Economics

Pursues wants and dreams
Based on unlimited ideas of “what is possible?”

Optimizes opportunities
“How else can I build wealth?” mindset.

Strategy-oriented (what you do)
Based on time-tested principles and financial philosophies used to build wealth.

Focused on recovering opportunity cost
Keep more money working for you

You control your money
Maintain responsibility for and access to your assets and funds.

Macro (big picture) based
View your whole personal economy.

Cash flow is measurement
The goal is more money to enjoy each month.

Abundant/Freedom oriented
Enjoy your work and your life — all life long.

Spends and replaces principle
A flexible, sustainable way to live.

Money moves
Your personal economy is alive and well; money flows in and out of accounts.

Dollars do many jobs
Dollars are used for flexible and multiple purposes.

Clients are empowered
Money is demystified. Education-based approach builds financial confidence.

Prosperity Economics represents different strategies and values than typical financial planning.  Ask yourself if you should…

  • Hand over your money to companies who will charge “management fees,” whether your funds are gaining or losing?
  • Analyze your “risk tolerance” (i.e., how comfortable you are with losing money) while subjecting your assets to losses?
  • Max out your 401(k) and cross your fingers that you’ll someday have “enough” to live on, without running out?
  • Take tax deductions now by putting money in retirement plans that can subject you to unknown future taxes later?
  • Tie up your dollars in accumulation vehicles that can’t be collateralized and pay penalties for using your assets before 59-1/2?
We think there’s a better way. Typical financial planning is “better than nothing” and will get you partway up the hill, but we want to show you how to reach the “mountaintops” of prosperity. Prosperity Economics shows you how to grow wealth safely and reliably, with maximum financial flexibility and cash flow.

The Guiding Principles

We have observed that Prosperity Economics is governed by a set of principles we call the Seven Principles of Prosperity™. They begin with learning to THINK with a Prosperous Mindset (rather than from scarcity) and end with learning to MULTIPLY your money.

To find out how to apply all seven principles to your personal economy, sign up for instant access to our Prosperity Accelerator Pack. You’ll receive a video, a summary sheet, and a 17-minute digital audio by Kim D. H. Butler on The Seven Principles of Prosperity™.

You’ll also receive our new ebook, Financial Planning Has FAILED, which includes a section which contrasts “typical” financial advice with Prosperity Economics and the 7 Principles.

The Prosperity Accelerator Pack is free to subscribers and includes our weekly Prosperity on Purpose ezine as well as a 5-week “crash course” on Prosperity Economics. Over the five weeks, you’ll receive additional emails with our most popular articles and other Prosperity Economics insights.

The Prosperity Economics Movement

Founded by Kim D. H. Butler (author of, Busting the Retirement Lies, Live Your Life Insurance and other books), the Prosperity Economics Movement is solution-oriented and educated-based.

The Movement is comprised of a growing group of financial advisors, insurance agents, real estate professionals, accountants, consumer advocates, educators, investors, and everyday people who practice Prosperity Economics.

As Einstein said, “Problems can’t be solved with the same level of thinking that created them.” It’s time for a new economy based on new principles, and Prosperity Economics is a truly sustainable model that works.

Do you need a Prosperity Economics Advisor?

Contact us today to set up a no-cost, no-obligation meeting.

Are YOU a Financial Advisor?

We invite you to explore the Prosperity Economics Movement for advisors at ProsperityEconomicsAdvisors.com and also our annual Summit for advisors.

We’d also love to introduce you to the best financial software and training for “telling the whole truth” about your client’s money: Truth Concepts software.

Are you Ready to Accelerate your Prosperity?

Enter your name and email and click the button in the orange box below. You’ll receive our Prosperity Accelerator Packwhich includes:
  • Kim’s new ebook, Financial Planning Has Failed.
  • An audio report, video, and one-page summary of P4P’s 7 Principles of Prosperity™, plus
  • Our Prosperity on Purpose newsletter featuring our latest articles.

We will never give away, trade or sell your email address. You can unsubscribe at any time.
(Please take a moment to add hello@p4pezine.com into your email contacts so that you don’t miss out
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Work With Us

Our founder Kim D. H. Butler is currently accepting new clients. To check Kim’s availability or to schedule a consultation with her, contact Jill at (877) 889-3981 ext. 120 or jill@partners4prosperity.com.

How do we work with clients? Here are the options.

Advisory services are offered through Prosperity Economics Partners, LLC (“PEP”) a Registered Investment Adviser with its principal place of business in the State of Texas. The advisory services offered by PEP are in no way affiliated with the services or products offered by Partners for Prosperity, LLC or the Prosperity Economics Movement. PEP only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. PEP’s Investment Adviser Representatives may only conduct investment advisory business with residents of States and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed.

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