The #1 Asset You Must Protect (Hint: It’s Not Your House)
When people think of protecting assets, they often jump straight to their home, cars, or real estate. But there’s one vital asset that trumps them all—and it’s the one we often overlook: YOU.
Why You Are the Most Important Asset
Your house has no value without people to live in it. Real estate, businesses, investments—none of it matters without you, the producer, the value creator. You are the engine that makes everything else go.
Whether you’re working a job, running a business, raising a family, or serving your community, you’re using your unique talents, experience, and energy to create value. And the truth is, if you don’t take care of you, none of your other assets will last long.
How to Protect You as the Asset
1. Prioritize Your Health and Energy
You can’t serve others when your tank is empty. Your physical, mental, and emotional health should be your first line of defense.
Start by creating a “Power Hour” each day:
- Exercise – Move your body to stay energized and healthy.
- Enlightenment – Journal, meditate, pray, or connect with your spiritual side.
- Education – Feed your mind with something that helps you grow.
This simple habit will help you show up better in every area of life—business, relationships, and beyond.
2. Use the Right Insurances
If you’re a producer (and you are), you need income insurance. That means:
- Disability Insurance – Covers your income if your ability to work gets cut off due to injury or illness.
- Life Insurance – Protects your family and allows you to leave a legacy.
- Long-Term Care Insurance – Covers expenses if you need assisted care later in life.
These tools aren’t just about safety—they’re about peace of mind. They help you play offense, not just defense.
3. Establish Emergency Savings
Many people focus on paying off debt or investing before they build up savings. That’s a mistake. A solid emergency fund gives you flexibility and confidence when life throws you a curveball.
4. Protect Yourself Legally and Financially
If you own a business or investments, don’t put everything in your personal name. Use the proper corporate entities to separate your assets and protect yourself from lawsuits and liabilities.
Also, make sure your wealth is stored in protected vehicles. For example, properly structured whole life insurance is often protected from lawsuits and creditors in many states.
It’s About More Than Money
When you protect yourself, you’re not just insuring income—you’re enabling your ripple effect. As you prosper, you’re able to bless the lives of others. That might be your spouse, kids, grandkids, team members, church, or community.
One of our dear clients, Colonel Dan Marker, is a powerful example. After retiring from the military, he came to us with a million dollars in retirement savings and a desire for more. His financial advisor told him he could live on $30,000 a year. He knew that wasn’t enough.
After working with us, Dan created over $100,000 a year in passive income and finally had the freedom to spend his time how he wanted—doing environmental projects and making an impact. Sadly, Dan passed away recently, but he did so living his purpose and making the most of his time.
That’s what this is all about. That’s why we do what we do.
You Are the Ripple Effect
You are the asset. Not your house. Not your stock portfolio. Not your 401(k). YOU.
Protecting you is the first step in creating freedom, living with purpose, and serving those you love. You only get one life—live it intentionally.