Please help Rio.

Rio greets everyone with a smile.
Rio greets everyone with a smile and a wagging tail.
Please Help our Friend Rio.  Jerry’s best friend and our home office mascot, Rio, was hit by a car.  Both her hips were broken. Two legs and her skull were fractured.  Her right eye socket was broken and one side of her face was torn loose.
At your request, Jerry will pay donations:
  • Back to you.
  • Forward to others in need.
  • To start a Family Freedom Fund high return retirement account for a child, grandchild, or for any young loved one of your choice.
  • Click Here to email your preferences to Jerry.
Rio is a sweet friend and deserves to be restored.  We don’t know the total cost yet but estimates are $4,000 to $5,000, with one  near $15,000.  We are asking friends, family and all good souls to help.
Our local Vet stapled Rio’s face on and stabilized her on an IV.  Amazingly, her eyelid still works even after being completely off her face.  Her body seems OK and she is eating and in good spirits.  She still needs to go to Texarkana for hip surgery.
You can send a gift or loan by entering an amount at  Go-Fund-Me and/or FaceBook funding pages, if any, will be listed here.
Thank you very much for your help.
Rio in happier times <|:^) 
Rio greets everyone with a smile.
Rio greets everyone with a smile and wagging tail.
She has soething to say about everything
She has something nice to say about everything
She's always ready for a trek or climb
She’s always ready for a trek, climb, or swim.
A little flood doesn't stop Rio.
A little flood doesn’t stop Rio.
Rio loves all her friends.
Rio shares her joy with all her friends.
Rio after the accident:
Rio, alone, caged on IV,
Rio, on IV, caged and alone.
Her face held on with staples.
Her face held on with staples.

Good News: 01/03/2017

Progress Update: 01/03/2017

Our plans for helping children retire well, at the lowest possible cost have improved.  Our new Freedom-21 plan resolves our start-up and reserve funding concerns and guarantees an annual return of at least 8%.  Accounts active through 2016 received 30% on 01/03/2017. We plann to add a few new beta testers in 2017.

You can still start an account with cash and add to it anytime, but now, Freedom-21 Retirement Loans eliminate risk to borrowers and lenders.  F-21 jump-starts your child’s well-funded retirement by making affordable low-interest retirement loans available to all.

Freedom-21 is designed for young children, even babies, who can benefit the most, at the lowest possible cost, due to the long investment growth period they have before retirement. These plans are designed to be fully paid for within 21 years, giving your children a lifetime of securely knowing that their Retirement will be ready when they are.  Freedom-21 transforms Social Security and employer assisted retirement plans from dreaded uncertainties to welcome bonuses.  Very long term income averaging also eliminates the risk that a market downturn near retirement can damage or delay a great retirement.

Freedom-21 plans start at as little as $10 per month. That’s less than 35 cents per day.  This “spare change” is enough to pay your child over $1,000 per month during retirement, and, to provide a generous Personal Reserve that can be used as an Estate Benefit or for any of life’s challenges and opportunities.

We work with great, community-minded, lenders to secure low-interest loans that enable children to have a lifetime of high-interest earnings. An F-21 loan improves your financial record with A1 performance and zero risk to you or your lender(s). Your Personal Reserves plus Performance Reserves from Family Freedom Fund and our sponsors, ensure that payments and earnings are always on time.

We mentioned that you can start with as little as $10 per month… Yes, you can, and should, but we recommend more, if possible, because in the 60 or more years before your children retire, inflation could reduce the buying power of $1,000 to a fraction of what it is today.  The key is to start now, with as much as possible, while time and historically low-interest rates are on your side.

You might also consider that your children have grandparents, Godparents, aunts, uncles, and others who might want to help with an F-21 Loan or one time deposit that can make a big difference for your child’s retirement.  We recommend $20 to $50 monthly for parents and $10 to $30 monthly add-ons for others.

The latest details on the Freedom-21 Loan plan will be posted Here soon.  Please watch for a post date after 01/03/2017 to be sure you see the final launch plans.  Click Here for details.

Welcome to

Please browse our site to learn more about our plans to improve the quality of retirement in America.  Our focus is on helping families improve their financial futures and afford comfortable retirements for their children .

Checkout our Freedom 21 Retirement Loan Program for Children.  We will be finalizing the F-21 plan details this year and plan to launch it publically in 2017.  The F-21 plan guaranties a minimum growth of 8% per year, and if we make more, we pay more.  We are on track to pay 17% APR on 2016 deposits on 01/01/2017.

Please leave Comments or Send Questions or Suggestions.

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Site Update

Hello.  In the process of a security and site performance overhaul, we had to delete most user accounts and comments.  We apologize for any inconvenience but felt we needed a more secure platform before going live.

Thank you for your patience.  New and updated plans for jump-starting your children’s retirements will be posted soon.  Please visit often and post your comments and questions.



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Save Now

The Best Time to Prepare is Yesterday
The Worst Time to Prepare is Tomorrow
The Only Real Time to Prepare is Now

Our goal at the Family Freedom Fund is to help as many people as possible enjoy great retirements.  Our biggest struggle is how difficult it often is to convince people to commit to retirement saving and investing NOW. The sad reality of waiting too long, if at all, to start is that most Americans save far less than half of what they need for a comfortable retirement, and many don’t save at all.

The truth is that if you have already waited too long to prepare for retirement, it is too late for easy low-cost solutions for you, but not for your grandchildren, children or younger loved ones. The simple math is that the investment to fully fund a great retirement for a pre-school child is less than 5% of what someone that waits until middle age to prepare will need. In fact, someone starting at age 40 now will have to save more every year for 25 years than a child born now would need to save only once to fully fund a good retirement.

The comparison above was for a child and a different 40 year old starting to save at the same time. If you compare the cost for funding a newborn vs waiting to fund that same individual 40 years later, it is much worse because that newborn will retire 40 years later than the first example when inflation will make the cost of living or retiring many times higher.

By action or omission we either choose to start when our children are very young and it only seems impossible to to save, or to wait until their 40s or later when it actually will be nearly impossible to save the much, much that will be needed then for a healthy retirement. Starting early is the smart and affordable choice.

If you are already over 10, don’t give up. We have creative ideas for making your money work smarter now and for your future.  With our help and economy of scale you can target larger earnings while maintaining the security of diversification. We employ only financial experts with proven track records of beating the markets and the true rate of inflation. Please know that your future will become your NOW sooner than you think and the choices, actions and in-actions you make now control whether the last half of your life will be lived comfortably or with regret.

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I’m going off topic a bit, but not too far… is one of my favorite Edutainment sites.  TED hosts thousands of short videos by proponents of “Ideas Worth Spreading”.  There are videos in many categories including Technology and Science, Business and Finance, Politics, History, Music and the Arts, Psychology, Health and Medicine, Nature, Architecture, Awe Inspiring and more. Maybe, there will be one about Family Freedom Fund and truly affordable retirement. <]:^)

Most TED videos are entertaining and enlightening, all are informative and educational. Many are like the best university lectures, the kind that do not put you to sleep. Back to my focus here, I recently did a search on Ted for “Retirement” and got back 629 results. Given how hard it is for us to focus on something as intangible as our futures, I hope that you will indulge yourself with a few of these entertaining videos to help your subconscious realize that your future will soon be your NOW and the retirement choices we make now determine the quality of the second half of the adult lives of our families.


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What’s Next?

Top 6 Retirement Ideas on FFF’s ToDo List:

  • Family Freedom Fund Sponsored Retirement Loans: No-Qualification, Up to 21 Year, Budget Friendly, Loans for Families and friends to affordably Sponsor Children’s Retirements.
  • Retirement Millions Lotto: Family and Individual Retirement games for State Lotto’s. First Prize is $25,000 Immediate Family Cash, plus $25,000 per year Additional Family Cash for 20 years, plus $25,000 per month at Retirement for a designated child.
  • BeYourOwnBank Debit/Credit Card: Debit Cards that extend payments for up to two years and pay the Interest to your Retirement Account. Forget 1% to 5% Cash Back Cards, this one can deliver over 20%!
  • Shop and Save: Allows you to shop at on-line and local merchants with a portion of what you spend added to your Retirement Savings.
  • Retirement Home Partnership: Lets you continue living in your home while using your equity for your Retirement.
  • Savings Ambassador Viral Income Plan: Rewards your Retirement Fund as you help others build theirs.

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Quick Silver Fun

Family Freedom Fund Quick Silver Savings

US 2014 1 Troy Oz 99.9% Pure Silver Eagles can be yours Free
Us Silver Eagle
Canadian 99.99% Pure 1 Troy Oz 2014 Gold Maple Leaf Coins can be yours Free.
CN Gold Maple Leaf

We just added a QuickSilver option to our monthly Silver Saver plan.  Quick Silver refunds fees and rewards Savers with additional Free Silver Coins! Existing Silver Savers automatically upgrade to Quick Sliver.

Quick Silver grows your wealth faster with Free Silver coins and other bonuses.  New accounts are also entered in drawings for additional Free Silver. You’re Welcome <]:^)

Quick Silver’s goal is to help Savers build healthy long-term saving habits.  We know you can but too many tell us that they don’t think they can.  We listened and added Quick Silver incentives to prove you can.

Quick Silver also removes risk with our 1st year, no-questions-asked, full refund guarantee.  If you save and store with FFF and decide that saving Silver and Gold is not for you, you can close your account and choose a full refund or have us ship your coins to you at cost.

We’re waiting for Board of Directors approval but when the button below goes live you can sign up to save more with QuickSilver

Hi Yo Silver,  and Away! …

P.S. Check out Refer-A-Friend to share some Quick Silver love with your friends and earn some for you too.

About Us – Save Silver & GoldWork with Us

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Hi-Yo Silver!

Family Freedom Fund is Back!

US 2014 1 Troy Oz 99.9% Pure Silver Eagles can be yours Free
Us Silver Eagle
Canadian 99.99% Pure 1 Troy Oz 2014 Gold Maple Leaf Coins can be yours Free.
CN Gold Maple Leaf

Our new SSD cloud servers are up and running!  We will announce  new and updated programs soon.

Please see About Us for a quick overview of FFF‘s financial assistance and training, Quick Silver for a safe and fun way to save in uncertain times, and our Ambassador page to learn about how you can earn money working from home as an Independent Agent of Family Freedom Fund.

Please excuse our growing pains and consider this site’s content temporary / under construction as we continue to work with our Beta Testers and complete our evolution to 501c3 tax-deductible status.  Please feel free to browse, comment and come back often for news.

Breaking News 07/30/2014 – Free Silver!

Alpha testing of FFF‘s Silver Saver plan is closing and an updated version has re-launched for beta testing as Quick Silver.  The revised program will refund registration and storage fees and… Drum-Roll Please… will multiply your return on consistent savings with Free 99.9+% pure Silver coins.  We put the FREE back in Freedom with Free Registration, Free Storage, and Free Silver, that’s the Family FREEdom Fund way.


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Let’s Fix Social Security

I am not a fan of the “Too Big to Fail” concept but am moved by the fact that retirement is needlessly failing for millions.  Over 64 million Americans depend on Social Security and I think most feel betrayed. Still, a Bail-Out in the usual sense is not a solution.

Everyone loves, and hates, Social Security. The problem is that our politicians and SSA’s management, knowing that Social Security was never designed to be a sufficient retirement plan, Bailed Out decades ago.  In their minds, SS is not designed to be a full retirement plan, so no effort to “fix” it is needed. Millions of Americans retiring into poverty is simply not on their viewscreen.

This one excuse bureaucratically justifies all of the otherwise solvable problems that result in Social Security’s failure as a retirement plan. It would be easy to fix but for the larger problem that Social Security is now a gigantic Politically (Mis)-Managed Bureaucracy.   Politicians use it to buy votes with implied services, most of which are never fulfilled.

The Canada Pension Plan was originally modeled after our Social Security System.  When they realized the plan was flawed and, like ours, would soon fail, they did something our government apparently has never seriously considered.  They fixed it!  It was easy.  They switched to non-government, for profit management tailored and monitored for positive, better than inflation returns.  Their payouts and reserves have grown steadily.

We can afford a much better Financial Security System.  We need only sternly remind OUR government that fiscal responsibility and serving our best interests and priorities is in their best interest.

Investment Results are controlled by three factors:

  1. The Amount Invested.  Increasing the next 2 is easier.;
  2. The Interest Rate of profit.  Below Inflation does not work.;
  3. The Growth Time for Investments.  Time is the most powerful.

Increase Rate and Time (by which I mean save sooner, not retire later), we can reduce the Amount required and still have Much Larger PayoutsPay Less, Get More, Why Not?

– read more

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Saving One Child at a Time