Dear John:

We purchased your Transforming Debt Into Wealth 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 mortage 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"

"Hi John,

I've just completed listening to your Debt into Wealth system, and I must say out of all of the different systems I've listen to yours is truly the best for me. I will have my first debt paid off in November, I'm currently $230,000 in debt (including my home).

Listening to your message has already changed my life and the way I think about money. The only thing I was doing right was bagging my own lunch. What a rude awakening.

No crackers and cat food for me!

God bless, "

Michelle

"Mr. Cummuta:

My husband and I thought our home would be paid for in 2019 and car payments would never go away. With your process, we will be 100% debt free in 5 years and will have saved over $45,000.00. Following your plan will grow our wealth at an alarming rate! We crunch the numbers and crunch the numbers, and you are right, the numbers don't lie! We cant believe it, and already we feel so much more secure about our future.

We have been able to curb our grocery bill at least 10% each trip and our budget for our electric bill was lowered when I decided to stop lighting up the living room to make the house look pretty from the street! We are having so much fun laughing at the way we used to think we needed credit, and now are finding any way possible not to give out anything that does not get us something in return.

Your program is the adult equivalent to Christmas for children, only better! We wish we would have had your plan 10 years ago.
God Bless You!"

Best Regards,
Kelly C.

Transforming Debt into Wealth^® Deluxe System

Get completely out of debt (including your home mortgage) in just 5 to 7 years ― and start building real wealth from the first month ― using nothing more than the money you already make!

BOTTOM LINE — A typical $60,000 annual income household implementing the Transforming Debt into Wealth® program can save more than $150,000 in interest alone...and be able to build more than $3.5 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 get rid of all your debt in about five to seven years, save thousands of dollars of interest ― and begin rapid 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 world-wide best-selling program, you'll learn now to prioritize and pay off every penny of your debts in the shortest possible time. You'll discover how to operate 100% on cash...even in emergencies...so you'll NEVER need to use credit again.

Transforming Debt into Wealth^® will teach you how to focus every dollar you're currently using 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, Transforming Debt into Wealth^® will show you how to attain REAL financial freedom. You'll also 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 fortune!

Believe it or not, after their debts have been paid off, most people can retire in a decade or less ― and they can achieve this using the money they are already bringing home! Far from being a lottery or a "get rich quick" scheme, this is a rock-solid plan -- a plan that will absolutely work for you ― a plan that will lead you from debt to wealth.

Get the Transforming Debt into Wealth^® Deluxe System package today and start eliminating ALL your debts and building your net worth...your wealth...the first month you put the plan into action.

You'll Learn:

	How to start building your net worth ― the best measurement of your financial wealth ― from the 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(s).
	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...

The Transforming Debt into Wealth Deluxe System package includes:

	12 audio sessions on 6 cassettes or CDs - Let’s Start From Where You Are Now - Whose Wealth Are You Building? • - Credit – Your Financial Enemy • - A New Financial Attitude, A New Life - The Cascading Debt Elimination System™ - The Power to Destroy Debt – Accelerator Margin - Manage Your Spending, Maximize Your Accelerator Margin - Building Your Wealth (2 sessions) - Building Your Income - Redesigning Your Life - Ten Keys to Sustaining the TDIW System
	200+ page manual that works in conjunction with audio sessions - Manual sections align with audio sessions - More detail, additional examples, exercises - Valuable Appendices including a detailed financial tracking system
	1 instructional DVD - System Quick Start – How to get the most out of the system components - Step-by-step explanation of the debt payoff calculation
	DebtFree™ for Windows^® debt-elimination software - Automatic, 100% accurate debt-elimination and interest-savings calculations - Complete, month-by-month payment schedule printout - Unlimited “What-if” scenario testing
	One-on-one phone coaching session - Talk live with one of John's personally-trained professional coaches, who will help you get started on the right track and answer any of your questions.

But That's not all...

One way to accelerate your debt-elimination and wealth-building is to add more income. In The Power of Perpetual Income, John Cummuta examines four businesses you can start and operate, from your home, while you keep your regular job. Or, if you're looking for a way to stay home with the children but still generate income, one of these businesses could be just the ticket.

These four businesses are reputable, realistic undertakings for the average person or couple. They're mainstream businesses that don't require any unusual skills, and they're contemporary opportunities...not just rehashes of old worn out topics. Two of these businesses operate on the World Wide Web.

The four businesses are:

	The online auction business (like EBay)
	Buying and renting out residential real estate
	Creating and marketing information products (books, videos, audios, seminars, etc.)
	Online affiliate marketing

Each of these businesses offers unlimited growth potential. Any of them could expand from a part-time income stream to a a fulltime business for you. And any of these businesses could be successfully operated by anyone with an interest in it. None of them demands any special education or credentials. They simply require a willingness to learn how the business operates.

And that's precisely what John teaches you in The Power of Perpetual Income™.

As he examines each of these four business models, John discusses:

	Its Income potential
	Working the business part-time versus fulltime
	The business' work-at-home potential
	How the business actually functions
	Specialized knowledge that can be helpful
	Tools that can make the business easier to start up and run
	Tips for even greater success with the business
	Additional information resources to gain even deeper knowledge about the business

With John's instruction on these four CDs and in the workbook, any of these businesses could be up and running for you in a matter of a few weeks to a couple months.

You get all this, the worldwide best-selling 6-CD Transforming Debt into Wealth® audio course, Transforming Debt into Wealth® 200+ page manual, the 4-CD Power of Perpetual Income™ audio course and workbook, Quick-Start DVD, DebtFree™ PC software, and a one-on-one phone coaching session, all for just...

$349 plus shipping + handling

Does that sound like a lot to you? Then let me say this again...

You get all that value...that potential wealth and freedom...for just...

$349 plus shipping + handling — with a 30-day money back guarantee.

Payment is through PayPal processing, but you do not need a PayPal account. You can use any credit card, debit card, or checking account.

CD version:

Cassette version:

This product comes with a 30-day money-back guarantee that covers the purchase price. Shipping + handling is not refundable.

"We recently paid off all our credit cards and paid off the car last week, almost two years ahead of schedule! We will be totally debt-free in less than one year!

Your course is priceless. Thank you from the bottom of our hearts."

Dan Aldrich
Cartersville, GA

"We have paid off all our bills, including the home mortgage that we had 11 years left to pay on."

Teresa Kivatinos

"Dear John,

I just wanted to say thank you and tell you how grateful I am for the information you've provided my husband and me through your debt elimination program. Thank you! Thank you! Thank you!!!

The benefits you've provided us have been more than financial. The principles you teach have shown the way for us to take responsibility for our all areas of our lives. Here's our story...

Two years ago David and I got married. David sold his house and business worth a combined 150K and we nestled into our 3-bedroom home, started a new Life Coaching business and began our lives together. We thought we were smart financially, but then... (read more)

Transforming Debt into Wealth® Deluxe System

Transforming Debt into Wealth^® Deluxe System