WALKER AGENCY
Life & Financial Services · Corona, CA
Every month, four habits
quietly outspend your future.
Fast food. Alcohol. Stimulants. Treats. None of it feels like much on its own — but add up what actually leaves your account, and you'll see real money that could be building something instead. Enter your monthly numbers below.
F
Fast Food
Drive-thru, delivery apps, quick lunches
$
A
Alcohol
Bars, wine, beer runs, happy hour
$
S
Stimulants
Coffee runs, energy drinks, vapes
$
T
Treats
Impulse buys, subscriptions, "little" extras
$
The F.A.S.T. Leak
$465
per month
$5,580
per year
S&P 500 vs. IUL: what if you'd redirected it?
Same dollars, two paths — invested directly in the S&P 500, or credited through an Indexed Universal Life policy with a floor and a cap. Uses actual S&P 500 total returns, 1996–2025.
Redirect
50%
IUL cap
10.0%
Redirecting $232 / month toward your future instead of the leak.
S&P 500, direct — $0
IUL (0% floor / 10% cap) — $0
In 2008 the S&P 500 fell 37%. A direct investment took that loss. An IUL with a 0% floor would have credited 0% that year — no gain, but no loss either.
Over 30 years you'd have redirected $0 — everything above that is illustrated growth (or, on the S&P side, risk of loss in a down year).
Want to talk through what this could look like for you?
Send your numbers to Brian and he'll follow up with real options.