Authors Kevin Brunner and Christian Ramsey introduce the innovative Model QTM approach, designed to counter systemic risks that often derail even well-crafted income plans. The book explains how this method can be paired with long-term capital gains tax strategies to create predictable, tax-advantaged income.Through real-world examples, the authors show how to reduce risk, avoid unnecessary expenses, and sidestep the conflicts of interest often found in mainstream financial advice-some of which has been criticized in court as harmful to investors.By exploring the connection between income generation and capital gains planning, Just Say No offers actionable steps to help readers build more stable, long-term financial strategies.Whether you're an investor or a financial or real estate professional, this book delivers clear, strategic insights to help you navigate a complex and often misleading marketplace.