The early pioneers of both wellness and network marketing were motivated by the sense that it was possible to create a better life than the conventional routes offered - better personal health and better economic health, respectively. Now the 'alternatives' of yesterday have become the economic powerhouses of today and tomorrow.

I feel I'm doing God's work switching people from group plans to individual insurance.

Unlike every other retirement vehicle, such as IRAs and 401(k)s, you receive a tax deduction for making contributions to your HSA but don't have to pay income taxes on withdrawals.

Your employer is the last person you should want to provide for your healthcare, from a privacy, financial, and value standpoint. Employees with families should get the family, meaning spouses and children, off the company plan. In most cases, that will save them money.