The Millionaire Myth: Why "Buy Term & Invest the Difference" Fails 97% of Retirees

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LAKELAND, Fla., Dec. 9, 2025 /PRNewswire/ -- In his analysis "The Millionaire Myth," author and founder of Family Business Circle (FBC), Terrance Amen, challenges the long–held advice to "buy term and invest the difference" (BTID). Promoted for decades as the smart retirement strategy, BTID and traditional 401(k) plans rarely deliver the promised millionaire outcome.