As the world's economy and financial markets keep evolving, changing and transforming . . .

Only "Forever Checks" Give You the Freedom and Security You Need

That's Why You Must Build Your Retirement on the Solid Rock of "Forever Checks"


"Forever checks" are streams of cash flow you spend or reinvest so you keep growing your future income - whether the stock market goes up or down.

These checks keep paying and growing for as long as you live.

"Forever checks" make your portfolio a winner for life.

"Forever checks" are a major factor in Warren Buffett's success, even though he's famous for picking winning stocks.

“Forever checks” aren’t free - but they are the best way to invest.

I'll tell you more about myself in a moment. First, I want you to understand . . .

You've got to build your portfolio on a solid foundation of investing principles - and then keep growing it.

And you must keep up with - and ahead of - the times.

You know how the Covid-19 pandemic has affected the world and how the high-tech FAANG stocks now dominate the United States stock market, but most people ignore the opportunities - and dangers - of many changes that are happening "below the headlines:"

* New technologies AND how their incredible synergies are revolutionizing the world in ways the 99.99% don't see coming

* Shifts in worldwide wealth

* Political tides - including new approaches to fiscal and monetary policies, such as Modern Monetary Theory

And, of course, you want to do all this while enjoying your life - whether you're still preparing for retirement, already there - or (like me), rejecting unlimited leisure time in favor of the activities I love.

Is Your Portfolio So Large It's Secure Against All Economic Disasters, Stock Market Plunges and Medical Catastrophes No Matter How Long You Live?

Or How Much Money You Spend on the Golden Years Lifestyle You're Dreaming of?

What if you live another 30, 40 or 50 more years?

It could happen - life expectancies are going up. And medical science is advancing dramatically. If you can stick around for another 10 to 20 years, you might live DRAMATICALLY longer.

Even disregarding the pending revolutionary advances in medical technology . . . how many years can you pay your real estate taxes, heat your home, enjoy great cruises, eat out with friends, buy the latest big-screen TVs, visit your grandchildren and just plain enjoy life?

What if you eventually need assisted living quarters?

Or a nursing home?

The average cost is $8,365 per month, according to Genworth's Cost of Care Survey.

That's sure a lot more than the average Social Security check of $1,390.12.

Over 60% of baby boomers fear running out of money more than death itself.

And almost half of us (I'm a boomer myself), are also afraid of Social Security running out of money or just plain disappearing.

Financial advisors tell you to follow the "4% Rule." That means, to sell 4% of your financial assets every year.

But that doesn't guarantee you financial security. Depending on when and how much the markets go up or down (which your advisor can't predict - nobody can) and how long you live - you could find yourself running short.

But if you never sell anything, you run into the crazy "Catch-22" of conventional "growth" investing.

If you sell a stock, you lose out on all its future growth.

But if you never sell, you never receive the benefits only cash can give. That is, paying your bills and buying nice things.

There's just one sure way to avoid this problem:

"Forever Checks"

To Understand How Dramatically Future Economic Changes Might Affect Your Retirement, Just Remember:

When I was born:

* The United States dollar was convertible to gold, and supported the world economy while many other countries were still rebuilding after World War II

* Americans couldn't legally own gold, yet took silver dimes and quarters for granted

* A gallon of gas cost 24 cents (and I remember paying just 25 cents fifteen years later, when I'd fill up my lawn mower)

* The minimum wage was 75 cents per hour - and still only $1.25 per hour when I started working as a lifeguard at age 16

* There were NO automatic cost-of-living raises for Social Security, government salaries, pensions and other benefits (COLAs didn't begin until 1975)

* The Dow Jones Industrial Average was 285.95 - BELOW its September 3 1929 peak . . . meaning it still had NOT recovered from the October 1929 crash (it didn't fully recover until November 23, 1954)

* Communism was seen as a mainly external threat to the United States (Although some Americans were accused of communism, they were seen as tools of the Soviet Union.)

We're Now Facing:

* A global financial crisis triggered by the Covid-19 pandemic and the massive debt many countries, including the United States, are taking on

* Massive technological progress in robotics and Artificial Intelligence that threatens the jobs of billions of people - from dishwashers to doctors

* Openly socialist lawmakers propose massive spending bills. Mayors and governors are allowing lawless rioters to burn and loot businesses, and assault and kill innocent people

We're Also Seeing Massive Technology-Driven Opportunities to Create Wealth and Improve Human Life

* Massive shifts in healthcare and an increase in longevity

* Financial innovation in the markets

* The exploration and industrialization of outer space

* Billions of people in developing countries are emerging from stark poverty and becoming middle class

This is the most exciting moment in human history to be alive.

Yes, we face great dangers - as people always have - but also extreme opportunities to profit.

Of course, this is just a broad outline. I don't pretend to know which start-up companies are going to win the competition to bring all these marvels to life.

When you receive ever-growing "forever checks," you don't need a crystal ball.

Your Success With Forever Checks Does Not Depend on Taking Anything on Faith

I don't pretend I can foretell the future of the markets or any particular stock.

I don't run a "trading service." If I really knew when to buy and sell particular stocks for a guaranteed gain, why would I tell you? Give me a break.

My advice consists of my personal point of view on setting up multiple streams of "forever checks" - not the failed conventional wisdom that depends on the stock picking guru's crystal ball.

Oh, excuse me . . . I meant to say their technical and/or fundamental "analysis."

Except for that, I advise everyone to follow proven investing principles, such as: using diversification to reduce risk and cutting expenses as much as possible.

Wall Street Calls You the "Dumb Money" Because You're Not Ripping Off Corporations and Investors as They Do

You're also not taking excessive risks and, when you lose, whining for taxpayers to bail you out, as the "smart money" did in 2009. (But, hey, it worked!)

You are the taxpayer who got burned back then by the bigshots.

You're not Too-Big-To-Fail.

What the Money Management Pros Hope You'll Never Figure Out

You can beat them because you have a secret weapon:


You don't have to show quarterly results.

You can buy a stream of "forever checks" - and hang on to it until the cows come home.

Without giving a rat's patootie whether the market price goes up or down.

Not as long as those checks keep coming.

Your bottom line is cash you can spend or reinvest.

In 1944, Anne Schieber retired from the IRS with $5,000 in savings - which she invested in stocks. As the years went by, she reinvested her dividends and diversified into municipal bonds.

In the 1970's, her holdings plunged in market value, but she refused to sell.

She didn't want to share her profits with her former employer (the Internal Revenue Service).

Therefore, when she died in 1995 at age 101, she left behind a $20 million fortune.

If you ever find an crystal ball that works better than "forever checks," you're welcome to switch to it instead.

No Guru Knows the Future

Sure, some stock forecasts come true. You can also get lucky at a casino playing blackjack.

But in the long run you'll lose. That's just the way it goes.

That's why buy and sell, buy and sell investing for capital gains is so difficult.

Sure, you win some - yet, you lose some. In the long run, you don't beat the market.

Numerous studies of brokerage accounts reveal that the more ordinary investors buy and sell, the worse their long term results.

And that's true of fund managers and stock pickers too.

Financial professors have been studying this for over 100 years.

In 2008, Warren Buffett bet hedge fund managers they couldn't beat the S&P 500 over a ten year period.

Yes, the hedge fund managers lost even though many wealthy people think it's a privilege to pay hedge funds their (extremely) high fees.

That's why you don't get ahead by handing your money over to a fund or to some guru.

Look, I'm NOT promising you overnight riches and success.

How I wish I could.

If you want to get rich quick, go to Vegas and put all your savings down on the Pass line at a craps table.

You'll either lose it - or double it.

If you insist on treating your retirement funds with a gambler's mentality, you'll eventually pay the price.

Index funds are now incredibly popular because many ordinary investors have wised up and now understand their best chance for long-term success in the markets is to partner with companies for the long haul.

And I add - partner only with companies that pay you cash you can spend and reinvest.

The Future is Coming Faster Than You Think - With All Its Challenges and All Its Opportunities to Collect "Forever Checks"

Either you jump on board now or you face living through old age worried about whether you're going to outlive your money.

Grab the time by the horns. Take action now, because the longer you collect "forever checks," the longer they'll grow.

I don't know whether the stock market will keep going up or will crash.

Actually, I DO know - it will do BOTH. I just don't know WHEN.

That's not the point.

It's time to make your money work for you.

The best time to invest is as soon as you have enough money, and I help you do everything possible to make more money, save more money, protect your money and invest more money so you keep receiving - and reinvesting - "forever checks."

No matter what the United States government does or how much the world's economy shrinks or grows, you need to get in the game and play - right now.

I've never run a hedge fund, pretended I could predict the future or worked on Wall Street selling advice or stocks.

That sets me apart from the many gurus who seem to think having worked on Wall Street makes them a financial expert.

That's my greatest asset - my paycheck never depended on buying into the myth you can predict the future enough to buy stocks and always sell them for a profit.

I'm an ordinary guy who's worked hard only to lose money every time I thought I'd figured the market out.

I am also lucky enough to have been born with a huge contrarian streak. And I grew up during the 1960's when it was cool to rebel.

I learned to think "outside the box" before that phrase was invented.

Too many baby boomers - and everyone else - are still making financial mistakes that cost them millions of dollars.

I'm sharing what I discover.

Besides, you can always take my advice - or leave it.

I'm not a broker or a fund manager asking you to hand your money over to me.

If you want to believe gurus or Wall Street salespeople - it's up to you.

Years Ago, I had One of Those "What You Learned in Kindergarten is True" Revelations

You can't have your cake and eat it too.

If you buy a stock and it goes up (though you have no guarantee it ever will), you can't spend your gains without selling the stock.

Tens of millions of people are technically rich because they're sitting on great stock market profits - and it doesn't even pay their light bill.

Millions of retired Americans live on tight budgets even though they own stocks simply because they're afraid of running out of money before they die - so it does them no good.

Because when they sell the stocks, they don't own them any more.

When you bring that down to the basics, it makes sense, doesn't it?

When you sell stocks, you do have cash to spend - which must be shared with the IRS - but you will miss out on all the stock's future growth.

The fairy tale of the Goose that Laid the Golden Eggs is the best way to describe it.

Too many investors want to grow, then eat their geese - while ignoring the gold eggs the geese lay . . . forever.

That's true even though many "geese" will keep laying eggs whether the stock's price goes up or down.

That's the point.

You can pay the light bill and go out to eat - while still holding on to all your income-producing assets.

Everyone With Money to Invest Can Get Started With "Forever Checks"

Years ago, I wrote and published the book INCOME INVESTING SECRETS.

Back then, I thought about starting a newsletter to share my ideas and discoveries, but old-style newsletters are expensive. They're businesses that require employees, money for expenses and paychecks . . . I enjoy researching and writing, but - quite frankly - I didn't want to take on a full-sized operation.

Now, thanks to Substack, I can run the Income Investing Secrets email newsletter without employees or raising money.

All you have to do is go to the opt-in page.

Put in your email address.

Click "Join" - and that's it.

Of course, you can unsubscribe at any time.

Substack keeps your email address safe and secure.

You're Now Facing a Turning Point

I've showed you how the conventional (highly encouraged by Wall Street and financial gurus because it makes you rely on them) buy and sell, buy and sell thinking doesn't work in the long run.

If you want, you can keep paying $1995 for trading "services."

If you catch one on a winning streak, you may even make a profit . . . until the lucky trend reverses.

I've showed how you can spend your future living on "forever checks" without touching the foundation of your wealth.

And all you have to do is subscribe to the Income Investing Secrets newsletter - FREE.

No obligation.

And you can unsubscribe at any time.

The way I see it, you now have three choices:

1. If you fail to take advantage of this opportunity, you will continue to make all the investing and other money mistakes you've made in the past.

2. You can try to learn it all on your own. My book INCOME INVESTING SECRETS is a good place to start, but it's not up to dste with all the latest developments. Read a lot of other books, online articles and listen to a lot of podcasts.

3. You can simply sign up for the Income Investing Secrets newsletter. You'll get a new issue every Monday - and sometimes other days as well.

That will keep you up to date on the latest developments in the world of "forever checks," the economy and how the financial world is so rapidly changing.

The choice is up to you, of course.

Which one will be easier?

1. Living your life in fear you'll survive "too long" because you'll run out of money? Who wants to think about actually welcoming death?

Makes me shudder.

2. Re-do all my research for yourself.

If you're that kind of Type A personality, have at it, and all the best to you.

3. Let me do the heavy lifting for you.

I put out content every Monday that helps keep you up with the latest news on income investing, the economy, the markets, and anything to do with thinking about, making, saving and investing money.

All you have to do is go to this form, put in your email address and click Join.

I do all the rest for you.

Of course, only you can decide what's best for you and your family.

"Rick Stooker is on the right track. We also intend to pursue a more income-oriented strategy in the years to come. Capital gains are subject to both the risk of a decline in economic fundamentals and a deterioration in market psychology. High-quality dividends and income are subject only to the former, and that makes a big difference in modeling your portfolio returns in retirement."

-- Charles Lewis Sizemore CFA, Senior Analyst HS Dent Investment Management, LLC

"I am a Chartered Accountant in Canada and spent most of my career teaching in a community college.

"Wish I knew about all this stuff when I was in my 20's, or at least paid attention to the theories involved in my 40's."

--- Dennis Wilson

"What an eye-opener!!!

"I had heard about REITs, MLPs, BDCs, but you really explained their advantages and disadvantages. Thank you, Rick. You have set me on the right path to generate a steady income stream."

-- Kenny H

Remember - either you begin accumulating assets that pay you "forever checks" - or you'll spend your future depending on the economy and the stock market to keep rising . . . and rising . . . and rising . . .

Click here now to join the Income Investing Secrets community