Sam is actually a pretty famous guy with a big reputation. Unfortunately he has been a bit down and out on his luck lately… but he's trying to make a comeback. And Sam is prepared to float you a really great investment opportunity.
Here's the deal he's offering: you give Sam your hard-earned retirement savings. Sam will invest your funds, and pay you a rate of return.
Granted, the rate of return he's promising doesn't quite keep up with inflation. So you will be losing some money. But don't dwell on that too much.
And, rather than invest your funds in productive assets, Sam is going to blow it all on new cars and flat screen TVs. So when it comes time to make interest payments, Sam won't have any money left.