How much life insurance do you need? Start with DIME
A simple four-part method that turns a vague question into a real number your family can plan around.
Read articleElite financial strategies of the top 1%
Protect your income, grow wealth with tax advantages, get out of debt, and pass on a legacy. The same strategies wealthy families use, explained in plain language and built around your goals.
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Most people we meet have never had anyone look at the whole picture. We start with where you are today, then build a plan that covers protection, growth, taxes, and legacy together.
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Example numbers shown. DIME adds up Debt, Income, Mortgage, and Education to estimate how much life insurance your family would need.
DIME is a common rule of thumb, not a full needs analysis. It doesn't account for inflation, investment growth, Social Security survivor benefits, or final expenses unless you add them to debt.
Example retiree couple shown. Inspired by David McKnight's "Power of Zero" idea: in retirement, keep taxable income at or under your deductions and you pay 0% federal income tax. Uses 2026 federal figures.
Educational estimate only, not tax advice. Treats all non-Social Security income as ordinary income and ignores state tax, capital gains rates, and itemized deductions. Includes the 2026 standard deduction, the age-65 additional deduction, and the temporary $6,000 senior deduction (2025–2028, phased out at higher incomes). Confirm with a tax professional.
Example household shown. A financial house is built from the ground up: protection and savings first, then debt, then growth, then legacy.
Guidelines used: 3 to 6 months of expenses in an emergency fund, non-mortgage debt payments under 10% of take-home pay, and saving about 15% of gross income for retirement. These are common starting points, not personal advice.
Articles
Short, plain-language reads on protection, taxes, and building wealth. New articles added regularly. See all articles
A simple four-part method that turns a vague question into a real number your family can plan around.
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Read articleAbout
“I started this work to protect my own family. Now I help other families and business owners do the same, with strategies most people are never shown.”
Emmanuel brings a scientist's discipline to money: start with the data, test the plan, and explain every step in plain language. WealthMind Advisory Solutions serves individuals, families, and business owners.
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