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Michael Dillard

Michael Dillard

Retired U.S. Diplomat and personal finance educator; creator of the S.A.V.E.R. Financial System helping couples build generational wealth.

Aug 5, 2026

8:01
And can you explain it a little bit to the married couples, especially the ones who right now feel very overwhelmed financially? What is this saver philosophy?
8:10
Yes, great question.
8:11
After coaching and working with so many young couples, I realized something.
8:16
They all struggle financially because they don't have a system.
8:20
They don't have a plan that they can implement from step one to step five that helps them.
8:27
So the saver system is a easy to implement system for every single couple.
8:33
The S stands for secure your income.
9:52
yes because when they
7:03
Is there a math problem, behavior problem? What's really causing this for so many people?
7:08
From talking to so many married couples and individuals, what I realized is that people don't have a system.
7:14
They have one person that'll tell them don't invest their money in a stock market because it's risky.
7:18
But then you realize that there's other people who make a lot of money and they have a lot of money.
7:23
If it's so risky, why are they investing in the stock market? And why are they able to go on vacations and trips with their families? Why? Because they know something that poor people don't know per se, right? They know something that people who are living paycheck to paycheck every single month, month.
7:38
No, there's people that you've seen, like yourself, who are able to retire early.
7:42
In order to retire early, they had to have a plan.

20 MINS LATER

27:19
So is this a teach yourself, figure it out and teach your kids? Like how is Saver helping the reinforcing part?

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