When Can I Put Money in My Sacred Account?

When Can I Put Money in My Sacred Account? by Jerry Fetta

Someone asked me the other day, how soon can I put money into my Sacred Account?

I’ll answer that today and explain how contributions work!

But first, let’s refresh on what the Sacred Account is!

It is life insurance. But a very specific kind.

It is called High-Early-Cash-Value-Dividend-Paying-Whole-Life-Insurance (and this is one of the reasons we just call it The Sacred Account).

When I deposit money into it, those dollars grow at 3–5% per year long term and tax free.

My money is:

  • Guaranteed to grow
  • Guaranteed against loss
  • Protected from taxation
  • Protected from creditors
  • Protected from lawsuits
  • A private contract between me and the insurance company
  • Fully backed by the life insurance company, and also insured at the state level

I can borrow against my money at an effective interest rate of 1–3% (this requires special structuring to achieve) and my money will still grow at 3–5% per year long term, tax free.

Here is how the contributions work!

  1. I will need to choose my scheduled contribution. This will be either monthly or annually in most cases. The Sacred Account is a forced, automated savings plan and so this is amount per month or per year that I am committing to save into my account. I cannot lower this amount and I am committed to it. This might be anywhere from $250/mo up to 15% of my income.
  2. I will have an unscheduled amount I can contribute. Generally, this will be 3–5x my scheduled contribution. So for example, if I am scheduled to contribute $1000/mo into my account, that means I can probably put another $36,000 into my account throughout the year. This is unscheduled and I’m not obligated to this amount. If can choose to put up to this much money in each year and if I don’t, it will roll forward to the next year.
  3. I can start my account with a lump sum. I must plan for this on my initial application and tell the life insurance company from the get-go how much I intend to put in as a lump sum. But, I am not allowed to change this one I’ve signed my application so I need to disclose it early and stick with it once I’ve opted for the lump sum.

As far as when I can put money in, this is as soon as my Sacred Account is active!

When I sign the final delivery documents, I will pay whatever initial lump sum I opted for and also pay my scheduled contribution.

From there I can put in my unscheduled contributions as soon as I want, and whenever I want, up to my annual limit.

And lastly, I can take loans against my account right away as well!

For me, the Sacred Account is better than saving money in a bank and I have used it to pay off debt, build reserves, make large purchases, and also invest!

To learn more about the Sacred Account and how it works, I want to offer you a free copy of my book The Blueprint to Financial Freedom!

Click here to get your free copy!

The Blueprint to Financial Freedom by Jerry Fetta

Not only will you learn about the Sacred Account, but you will learn how to get rid of debt, lower taxes, invest for passive income, and acquire assets like the Top 1% of Wealth have done historically!

Plus, the book comes with a free Course Supervisor who will ensure you understand and finish the book AND a free coaching call with a member of my team to help you implement what you’ve learned!

Click here to grab a free copy!

To Purpose, Wealth & Freedom,

Jerry Fetta

Jerry Fetta is the CEO and Founder of Wealth DynamX. He is a nationally recognized financial expert featured in Forbes, Yahoo Finance, Fox, Chicago Weekly News, New York Finance, interviewed on over 45 podcasts with world renowned experts, earning endorsements and affiliations throughout his career with names like Kevin O’Leary, Grant Cardone, Dave Ramsey, and Pamela Yellen.

Jerry’s mission in life is to help create millions of financially educated and solvent families achieving greater financial freedom and sharing the truth about money with those around them.

Learn more at www.WealthDynamX.com

(DISCLAIMER: The information in this content should not be considered tax, financial, investment, or any kind of professional advice. Only a professional diagnosis of your specific situation can determine which strategies are appropriate for your needs. Wealth DynamX can and does not provide advice unless/until engaged by you.)



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Jerry Fetta

Jerry Fetta


Jerry Fetta is the CEO and Founder of Wealth DynamX. Jerry’s mission in life is to help create millions of financially educated and wealthy families.