Your Debt Elimination

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Your Debt Elimination YOUR DEBT ELIMINATION Your Debt Elimination Table of Contents Start Now 4 Let’s Transform You 4 How This System Manual Is Organized 5 The Four Keys to YOUR DEBT ELIMINATION Success 6 Make the Commitment 7 Frequently Asked Questions About Getting Started 8 Whose Wealth Is It? 10 Who’s Teaching Us How to Use Our Money? 10 The Forces at Work Against Your Financial Success 11 Who’s Scripting Your Dreams? 12 Keeping Up with the Jones Is Insane! 15 Why Get Debt-Free? 16 Till Debt Do Us Part 19 Credit…Your Financial Enemy... 21 Why Are We Obsessed with Using Credit? 21 Dis-Card Your Debt 22 Operate on a 100 Percent CASH Basis 25 How Credit Really Affects You 27 Using Credit Actually Lowers Your Standard of Living 28 A New Financial Attitude 29 New Seeds 29 The Three Stages of Transforming 29 What’s It Like to Operate on Cash? 31 The Monthly Payment Trap 32 Got Change? 37 Debt-Elimination System 40 The Cascading Debt-Elimination System 40 When Will You Be Completely Debt-FREE? 41 Page 1 of 185 YOUR DEBT ELIMINATION Let’s Get Down to Paying Off Your Debts 44 Watch the Power of Mathematics Working for You 47 Frequently Asked Questions About Debt-Elimination 51 Your Margin ™ 56 Creating Your Margin 56 Finding Margin Money 57 From Snowflake to Avalanche 58 Frequently Asked Questions About the Margin 67 Maximize Your Margin 68 Manage Your Spending to Maximize Your Margin 68 Impulse Buying - The Wealth Destroyer 69 Shrinking Santa’s Stocking 73 Happiness from the Depression 74 The C.I.A. Is Out to Get Your Money 75 Don’t Give Up on Giving 76 A Day in the Life of a Graduate 78 Keeping Car Costs Under Control 80 The Millionaire’s Guide to Buying a Used Car 81 Protecting Your Auto Investment 82 Frequently Asked Questions About Financial Freedom 83 Building Your Wealth 86 The Building Blocks to Wealth 86 Asset or Liability? 88 Dollar Cost Averaging - The Smart Investor’s Way 91 Mutual Funds - My Recommended Investing Vehicle 92 Loads, No-Loads…What Are They? 96 Understanding the Prospectus 97 Mutual Fund Categories 99 Locating and Investing in the Best Mutual Funds 102 Autopilot Investing - Index Mutual Funds 103 Risky Business 107 The “Market-Timing” Question 108 Should You Use an Investment Adviser? 109 Page 2 of 185 YOUR DEBT ELIMINATION When Can You Retire? 112 Now You Can Help Those Who Need You 114 Frequently Asked Questions About Wealth-Building 115 The Realities of Real Estate 118 Building a Real Estate 119 Building Your Income 125 Career Strategies for Debt-Free Living 125 You’re Not the Boss of Me! 125 The Value of Currency 129 Is a Second Job a Good Idea? 129 What If You Love Your Job 130 Negotiating Skills 131 Develop Creative Solutions 132 Appendix A: Personal Financial Statements 134 Appendix B: More Tools to Help You Succeed 154 Spending Journal 154 Accelerator Creator Quiz 155 Calculating Your Debt Payoff 157 Freedom Fighter Form 158 Debt-Elimination Time Calculator 159 More Tools to Help You Succeed 160 Your Financial Freedom Lifestyle To-Do List 161 Monthly Savings Required to Reach Your Financial Freedom Goal 162 The Truth About Your Mortgage Interest Tax Deduction 163 IRA Growth Table 164 Additional Principal Prepayment Forms 165 A Horror Classic: “The Loan Principal That Wouldn’t Go Away” 165 Secrets, Myths, and Realities of Achieving Financial Independence 167 Notes Page 3 of 185 YOUR DEBT ELIMINATION Starting the Program “Running into debt isn’t so bad. It’s running into creditors that hurts.” You are ready. You’ve ordered this program, waited anxiously for it to Hundreds of thousands arrive, and the Your Debt Elimination System is finally here. Upon of people have walked opening the box you are presented with a series of audio sessions, down the road you’re starting down today. videos, software, and reading material. You’ve gotten so many items it feels a little like your birthday. It also feels a little overwhelming. You might be thinking, “Wait a minute. I’m already in debt. Was it such a smart decision to get all this stuff?” That’s a common emotion, but it will quickly fade as you put the system to work and see how the printed, video, software, and audio information reinforce each other. Together they’ll equip you to make the attitudinal and behavioral changes necessary to achieve and sustain a debt-free and wealthy future. Actually, the average family’s investment in this program is usually recovered, in the form of interest savings and future wealth, the first month they put it into action. The First Step As the Good Witch told Dorothy, when starting her on the Yellow Brick Road to Oz, “It’s always best to start at the beginning.” Let’s Transform You Congratulations! You’ve just made one of the most important decisions you will ever make in your life. You’ve begun a transformation that will take you from owing your life to owning your life … from making your creditors rich to Building real wealth for you and your loved ones. Page 4 of 185 YOUR DEBT ELIMINATION You’ve made an investment in this program. And as with any investment, you must be wondering, “What will my return be?” “Was this a wise choice?” Unlike a car or a leather jacket that offers no return, the Your Debt Elimination System (YOUR DEBT ELIMINATION) will be like a stock or mutual fund that reaps benefits for years to come. If you haven’t yet viewed the Quick Start DVD, please do that before continuing in this manual. The video will show you the most efficient and effective way to use all the system’s materials. As of today you are as good as debt-free! What is the goal of the Debt Free System? “To get me out of debt, right?” Partly, yes. This system is designed to allow you to pay off all of your debts and be completely free of financial obligation. But, unlike other debt reduction programs, Your Debt Elimination has another benefit. This program will teach you how and why you got into debt, so you can avoid it in the future. And it will teach you how to build wealth - real wealth ! Building wealth will be an almost unavoidable consequence of following the system to complete debt freedom. You see, when it comes to building wealth, the missing link for most people isn’t a lack of investing savvy, it’s a lack of money to invest. YOUR DEBT ELIMINATION gives you back the money you need to invest for future wealth. But maybe the most exciting benefit of the Your Debt Elimination System is that it gives you a genuine opportunity to start over - a chance to rebuild your life to your own specifications. How many other programs offer you an opportunity to create a new vision for your life … and then give you the strategy to actually get you there? Applying the Your Debt Elimination System to your life won’t require an extra penny of income. This system isn’t magic; it’s a rerouting and refocusing of your present income to make it work more effectively for you rather than for your creditors. So you don’t have to look for some get-rich scheme. This program will make you rich with the money you’re already earning. If you faithfully follow this program, you will be financially independent! Without having to work for it. In other words, I want to help you achieve, in as short a time as possible , a lifestyle where you own your home, your car(s), and all the other “stuff” in your life - and you have enough money in investments that you can live off the income those investments generate. Can what you’ll learn in this system manual do that for you? Yes! The Your Debt Elimination System can save over a hundred thousand dollars in interest for the average mortgage-paying American Page 5 of 185 YOUR DEBT ELIMINATION family and have them completely out of debt - including their mortgage - in less than seven years. Then it can help them build up hundreds of thousands to more than a million dollars in simple, safe investments by the time they would have normally paid off their mortgage. And the YOUR DEBT ELIMINATION System shows them how to do all this with the money they already bring home! That’s exactly what the system will do for you. Your Debt Elimination System : Time, Discipline, Internal Change, and Work. Time: This icon will designate those areas in the program that you can expect will take some time. In order to achieve success in this system, you’ll need to spend some time. It takes time to work through the components of this YOUR DEBT ELIMINATION System. It takes time to learn new ways of thinking, to “change your mind” so to speak. It takes time to find all the ways to save money in your unique life. And it takes time to decide how you want to invest … something you probably never had to worry about before. Discipline: This icon will identify some useful tips for strengthening your discipline to stick with the program. Some of the elements of this system are going to require discipline. That’s probably not a surprise to you, but don’t worry if you don’t have a lot of self-discipline now.
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