John Cummuta
Transforming Debt into Wealth
FREE Weekly e-lessons
debtfree life™ system
Would you like to own your life?
By that I mean, would you like to own your income and own your time?
If your answer is, "Yes!" then you're going to love my newest debt elimination and wealth building course, DebtFree Life™.
In the easy-read course book and 4 audios you'll learn how to pay off all your debts, including your home mortgage, in around 5 to 7 years ― and start building real wealth from the first month ― using nothing more than the money you already make!
I'm
John Cummuta...
and this is the same system I teach in my best-selling Transforming Debt into Wealth® program and in my worldwide seminars.
In the DebtFree Life™ program you'll learn how to prioritize and pay off every penny of your debts and you'll discover how to operate 100% on cash...even in emergencies...so you'll NEVER need to use credit again.
You'll regain ownership of your income. If you have any debts, you have promised those creditors a portion of your income each month, so it's not really yours. But we're going to get ownership back for you.
A typical $60,000 annual income household implementing the DebtFree Life™ program could save more than $150,000 in interest alone...and be able to build more than $2 million in their retirement portfolio in the same time they would have just paid off their mortgage the conventional way!
Even if your credit cards are maxed out and you have a huge mortgage to pay off, you can still rapidly get rid of all your debts, save thousands of dollars of interest ― and begin accelerated wealth-building ― without sacrificing the things that matter most to you! This is as close to a financial chain reaction as you'll ever find. You'll be amazed how quickly your debts melt away, and how rapidly your net worth climbs!
In this freshly updated program, you'll learn how to prioritize and pay off every penny of your debts in the shortest possible time. You'll also discover how to operate 100% on cash...even in emergencies...so you'll NEVER need to use credit again.
30-Day Money Back Guarantee
The 18-chapter DebtFree Life™ e-book:
Chapters:
- Wouldn’t a DebtFree Life™ be a Better Life?
- Why Are We Obsessed with Using Credit?
- A New Money Strategy
- Step 1: Operate on a 100% Cash Basis
- Step 2: Pay off ALL Debt
- Step 3: Focus ALL Available Resources on Building Additional Wealth
- Let’s find your initial Accelerator Margin™
- What if Cost Cutting and Budgeting isn’t Enough?
- Now Let’s Get Down to Paying Off Your Debts
- You’re Debt-Free…Now Let’s Start Building Additional Wealth
- The Size of Your Monthly Contribution Matters
- Investing in Other People’s Businesses
- ETFs: the Relatively New Kid on the Block
- Precious Metals
- Managing Your Investment Portfolio
- Investing in a Business of Your Own
- Investing in Real Estate
- When Can You Retire?
DebtFree Life™ will teach you how to refocus every dollar you're currently wasting on debt payments toward building your wealth. And best of all, it will show you how to do all of this with the money you already make!
In addition to getting and staying out of debt, DebtFree Life™ will show you how to attain REAL financial freedom. You'll learn simple, no-hassle strategies for investing your money for long-term growth. And without debt dragging your down, you'll be amazed at how quickly you can amass a sizable nest egg.
You'll Learn:
- How to start building your net worth ― the best measurement of your financial wealth ― from your very first month on the plan.
- How to break free from the constant consumer seduction of the "Coalition of Four."
- How to rapidly grow your available monthly discretionary income.
- Specific ways to cut daily shopping expenses without sacrificing the things you want most.
- A simple mathematical system for prioritizing and rapidly paying off all your debts ― including your home mortgage.
- Why your mortgage interest tax deduction is a losing proposition.
- How to buy important purchases, such as cars, without getting your pocket picked.
- How to literally redesign your life, because when you're debt-free, you have options again...options to live how, where, and with whom you really want.
- And much more...
30-Day Money Back Guarantee
The DebtFree Life Audio Series
Audio 1 - "Own Your Life"
You'll learn:
- Why your creditors own your income
- Why your employer owns your time
- The tyranny of linear income
- Why your margin is so important
- The advantage of leveraged income
- The advantage of residual income
- How to earn leveraged, residual income
- How to regain ownership of your income
- How to regain ownership of your time
- How gain ownership of your life
Audio 2 - "Twelve Reasons Why More People Aren't
Wealthy"
You'll Learn that:
- They never clearly define wealth
- They make wealth a moving target
- They define it in ways that make it feel impossible to achieve
- They define wealth in impossible terms, so they don’t believe they can ever really achieve it
- They get trapped by their subconscious mind
- Plus 7 more insightful reasons
Audio
3 - "Get Your Finances in Shape for Life"
You'll Learn How to...
- Eliminate Debt
- Create a budget and a plan for life
- Calculate your net worth
- Invest with a plan
- Allocate your assets
- Diversify your investments
- Prepare for the unexpected
- Buy only the insurance you really need
- Protect your estate
Audio 4 - "Ten Ways to Make Up for Lost Investing Time"
You'll Learn How to:
- Increase your savings rate by decreasing your spending
- Be realistic about your retirement age
- Downsize to upgrade your retirement
- Be more aggressive in your investments
- Turn a hobby or a skill into income
- Tax shelter as much as possible
- Plus 4 additional ways to "catch up"
The DebtFree Life™ System
is only $79
If you were to call the phone number I give on one of my radio commercials, you'd pay $400 for my Transforming Debt into Wealth® System, but you can download my newest course ─ DebtFree Life™ ─ For just $79.
When you click the button below buy this powerful, life-changing course, you'll also be automatically signed up for my 24 FREE weekly Keys to Financial Independence e-lessons. So please fill in the requested information. Your information will not be sold or shared.
When you download the book, click on the image of the four CDs on page 2 of the book and you'll be taken to a web page where you can listen to or download the four .MP3 files for the DebtFree™ Life Audio Series.
all for just...
$79
with a 30-day, no-questions money back guarantee
BOTTOM LINE — A typical middle class American household will need between one and two million dollars in their retirement portfolio in order to retain their working-years lifestyle in retirement. This program is the one that can realistically help you build, protect, and sustain that kind of wealth.
Payment is through PayPal® processing, but you do not need a PayPal® account. You can also use any major credit card, debit card, or checking account.
Item Name: The DebtFree™ Life System
Item Number: DFL
Price: $79
The Wright's
Dear John:
We purchased your system in mid 2002. At that time we had one car payment and our $250,000 home mortgage.
Our goal was to get TRULY debt free within 4-5 years. So, first, we paid off the car. And by making lots of extra principal payments, we paid off our mortgage in just more than 3-1/2 years!
As of February 2006, we are a DEBT-FREE family! As a reward for our diligent efforts, we flew to the Bahamas and stayed at the world-famous Atlantis Resort for a week. We even had special shirts made for the trip!
Thanks, John for helping us really OWN our home and learning to transform our debt into wealth!
Sincerely,
Jerry, Shelly, John and Ben Wright
"A debt-free family"
..
The Boylan's
I just wanted to let you know my wife and I are now taking the next step in our wealth-building plan...moving to a wonderful barrier island off the coast of Alabama in the Gulf of Mexico. Life on our island is wonderful ─ and very inexpensive. We are completely debt free, will remain so during our upcoming move, and plan to remain debt free and wealthy the remainder of our lives (we are in our early sixties now).
"We thank God for you! And we thank you for all you taught us about freedom from debt and building wealth."
Bill and Anne Boylan
The Shea's
I bought your [program] while traveling this past December and spent the next several hours in total awe (I had not heard of your program - the CD cover sold me.) I have listened to your program at least 5 times ─ insisted my husband listen with me, and bought a copy for each of our adult children as Christmas presents.
It's only been two months since working the plan, but already we have paid off two cars (and are working on the third and final one). I can't wait until all our debt is gone, including the mortgage (by my calculations, we should be debt free in 54 months).
For so many years, we were on a roller coaster, paying down and charging up - (and taught our children well) - this time it will be different! I look forward to the many years of debt free living (and my children in the same situation!) I now take a hard look at where our money goes and what is important in my life...I am truly amazed that a program so simple can work so effectively.
Your program has given me HOPE. Thank you!
Martha Shea