• David H. Kinder, ChFC

Do you have a "Go to Hell" fund?

What is a "Go to Hell" fund? It's a pile of money, easily accessible, so you can keep your respect and dignity in any work environment.

We're living in a time where automation or overseas offshoring of jobs threatens the livelihood of many various jobs.

Imagine if you were given your layoff notice AND asked to stay on the job long enough to train your replacement? Wouldn't you have some words for that employer? I know *I* would!

One problem with IRS regulated retirement plans, is the perception of security and accessibility. Just because you may have $100k in your retirement plan, doesn't mean there aren't strings attached. There are LOTS of rules attached to these plans.

These plans don't make you rich. They're retirement SAVINGS plans - designed to accumulate a retirement fund to take from JOB TO JOB. They aren't designed to enhance your financial capacity to do whatever you want to do.

If you don't have a "go to hell" fund in an accessible place WITHOUT having to ask for permission, meet certain criteria, or pay taxes & penalties... then you aren't FREE! You have to stay working for someone else until you do... or until you retire and just give up on what you would've preferred to do.

(Of course, most who really want that freedom might just say 'Damn the consequences, I'm doing it anyway'. That's true, but wouldn't you rather do it on purpose earlier than feel forced to later - with taxes and penalties?)


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David H. Kinder, ChFC® is regulated by the California Department of Insurance as a life, accident & health insurance agent (CA Insurance License #0E54187)​.  This communication is strictly intended for individuals residing in the state(s) of CA. No offers may be made or accepted from any resident outside the specific states referenced until proper state insurance licensing and company appointments are secured for that given state. David Kinder Insurance and Financial Solutions is the marketing name for David H. Kinder, ChFC® and is not affiliated with any other company.  Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Guarantees do not apply to the performance of any particular index option on fixed indexed insurance contracts, or on projected dividends on participating insurance contracts.  Not all recommendations necessarily require insurance product purchases. Not all products are appropriate or available for all situations. Results are not guaranteed and are subject to individual situations and circumstances. Listing company client access links under the "Client Access" menu does not constitute any endorsement, filing, or approval of this website or its content by such listed companies.  Client access links are provided for client convenience only.

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The material discussed on this web site is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, or investment advice, nor does it represent any specific company or specific products.  David H. Kinder, ChFC® is not registered nor licensed as a Registered Investment Advisory Firm (RIA), Investment Advisor Representative (IAR), nor as a Registered Representative (RR) with any broker/dealer firm, and is therefore not registered with, or supervised by, the U.S. Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA), or any state securities regulatory office.  As such, David H. Kinder, ChFC® does not provide investment advice, specifically: buying, selling, holding, risk analysis, or any other analysis of securities, nor the asset allocation of securities portfolios. For specific investment advice on your securities investment portfolio, please contact a licensed and registered investment professional in your state.

He does offer general investment information for educational purposes and may propose alternative financial strategies that do not contain or include securities. He does also discuss the pros and cons of various kinds of accounts (such as IRS Regulated Retirement Plans) and is considered incidental advice surrounding various strategies and solutions, but does not necessarily constitute advice on the underlying securities.  

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