Dalila Martinez-Arnd

I'm a hard working woman, who's mission is to change people's lives through healthy eating, exercise and increasing their wealth by learning how money works!

[Dalila Martinez-Arnd @HWWomaninyou]

Join us! is a life changing event.
Contact me to reserve your spot, and bring a friend!

[Dalila Martinez-Arnd @HWWomaninyou]

Good Friday!
Wish y’all many blessings!
Today was a day to remember the greatest sacrifice! We are here because of Him!

Blessings my friends!

[Dalila Martinez-Arnd @HWWomaninyou]

Whether or not your Social Security benefits will be taxed depends on your total income, which includes not only your Social Security benefits but also other sources of income such as pensions, wages, and investment income.
Up to 85% of your Social Security benefits can be taxed.

[Dalila Martinez-Arnd @HWWomaninyou]

Life expectancy has risen over the past 100 years. In 1920, the average life expectancy in the US was approximately 54 years, while in 2020 it was 78 years. Higher life expectancy requires careful planning and preparation to ensure financial stability throughout retirement.

[Dalila Martinez-Arnd @HWWomaninyou]

The fraction of your income to save depends on several factors, including your financial goals, current expenses, and future plans. Most experts recommend saving 20% of your income each month. Work with a financial advisor or professional to create a customized savings plan.

[Dalila Martinez-Arnd @HWWomaninyou]

Saving money helps to secure your financial future and provides peace of mind by giving you a safety net for unexpected expenses, retirement planning, and the ability to achieve your long-term financial goals.

[Dalila Martinez-Arnd @HWWomaninyou]

An emergency fund is important for a strong financial foundation because it provides a safety net for unexpected expenses, such as job loss, medical emergencies, or unexpected car or home repairs. The recommended emergency is to have 3 to 6 months' worth of living expenses saved.

[Dalila Martinez-Arnd @HWWomaninyou]

The CASE FOR LIVING BENEFITS LIFE INSURANCE - Chronic diseases are a major health problem in the United States, affecting a large portion of the population. According to the Centers for Disease Control and Prevention(CDC), the incidence rate of chronic diseases in the US is high.

[Dalila Martinez-Arnd @HWWomaninyou]

Living benefits, also known as Accelerated Death Benefits, are a feature where the insurance company pays or advances a portion of the policy’s death benefit to the insured to pay for care or treatment.

[Dalila Martinez-Arnd @HWWomaninyou]

Retirement saving and wealth building are a numbers game. Everyone should know what wealth they need to have accumulated for retirement! To have enough money for a comfortable retirement, a good rule of thumb is to have a total of 22 times your income by the time you retire.

[Dalila Martinez-Arnd @HWWomaninyou]

With basic financial education, individuals can be better equipped to budget, plan for retirement, and make informed decisions about credit and debt.
Teaching financial literacy in schools can help address the financial inequality and promote social mobility.

[Dalila Martinez-Arnd @HWWomaninyou]

Basic financial education should be part of the core curriculum in the United States because it is an essential life skill that can help individuals make better financial decisions and manage their money more effectively.

[Dalila Martinez-Arnd @HWWomaninyou]

There are several reasons why people in the United States may have money problems.
However, despite these challenges, it is still possible for families to accumulate wealth. The key to building wealth is to consistently save and invest a portion of your income over time.

[Dalila Martinez-Arnd @HWWomaninyou]

ARE YOU INSURABLE?
A lot of people are not insurable and may not know it. An estimated 80 million Americans have 1 or more types of heart disease. Thus, if you have the need, buy life insurance as soon as you can while you are healthy and insurable.

[Dalila Martinez-Arnd @HWWomaninyou]

In life, 2 outcomes happen: you live too long or die too soon. In any event, you should protect yourself and your family’s future. 1Have protection when you are young. To take care of your family-if something happens to you. 2Save as much as you can to take care of your future.

[Dalila Martinez-Arnd @HWWomaninyou]

The X-Curve concept is a simple way to show the relationship between taking care of your responsibility and building your wealth. This concept theorizes that in general a person’s responsibility decreases and their wealth increases over time. Call 832-623-2727 to develop your X.

[Dalila Martinez-Arnd @HWWomaninyou]

No financial professional can help a person who spends more than she earns. Be more proactive in your thinking about making money. Whether you stay a few more hours overtime, get a second job, or work part time to make money. Make it a mission to change your family’s future.

[Dalila Martinez-Arnd @HWWomaninyou]

When thinking about safety for their money, most folks think about banks and with growth, most think about investment securities. If you want growth, you may not get safety and if you want safety, you may not get the growth. Can you get both growth potential and safety? YES

[Dalila Martinez-Arnd @HWWomaninyou]

Control your debt, or debt will control you. Say you have a credit card balance of $5,000 with 18% interest. If you pay minimum $100 per month, it will take over 7 years, to pay it off. The total interest paid over the life of the loan is $4,300.

[Dalila Martinez-Arnd @HWWomaninyou]

Social Security benefits will be taxed based on other incomes:
if you’re still working, your salary
if you’re earning interest and capital gains
if you’re withdrawing from retirement savings such as IRA, 401k, 403
if you’re earning gains from annuities distributions.