How to Turn Your Debts Into Wealth and Create a Lifestyle of Financial Independence
Author of the World's Bestselling Personal Debt Elimination Program
For the last decade, I've proven to America that my Transforming Debt Into Wealth course works! That's why over 1 million people have used my course to ELIMINATE their debt!
World famous success coach, Anthony Robbins, has had me teach my principles of debt-elimination and wealth creation at his sold-out seminars. And my Transforming Debt into Wealth course is now the bestselling personal debt-elimination and wealth creation course in the world.
Why? Simply because my course works no matter how much debt you have. It's easy. Risk-free! And works with any income level!
Right now, I want to show you how your debts could make you rich! I can teach you how to make your debts disappear (even your house) in 5-7 years... and retire a debt-free millionaire– using nothing more than the money you're currently earning!
And with the release of this online course of Transforming Debt Into Wealth, I'm on a mission to help hard-working people discover how good it feels to wake up every morning– knowing they own... their car... their house... and all their other possessions!
Listen: If you've been searching for a proven way to eliminate all your debt and create a lifestyle of stunning financial freedom– then stop everything you're doing and carefully read this letter immediately. Because the information I have to share with you, could quite possibly change your life.
John Cummuta
Invitation Clock Count-Down
R.S.V.P. Within 57.:42 Minutes
HOW DO I GET OUT OF DEBT
I mean seriously... "How do I get out of debt and start building wealth?"
How can I save any money with all this debt hanging over my head? How can I get some peace of mind back in my life and get back on my feet? How will I ever be able to save for my retirement when I've wasted so much money getting into debt and then trying to pay back my creditors? Why did I buy so much stuff I don't even use anymore?
DOES THIS SOUND FAMILIAR?
If it does...you're not alone. In fact most of the people you know and deal with on a daily basis struggle with this same dilemma:
How can I eliminate my debt and ALL the stress that comes with it? And secondly: How can I actually save my money and build up a substantial amount of wealth BEFORE I retire?
BEFORE you can build up personal wealth you must eliminate your debts.
If this is something your heart yearns for but you haven't been able to accomplish yet, I strongly encourage you to listen to what I have to say. I have the HONEST, responsible, solution you've been searching for.
LET'S GET SERIOUS ABOUT THIS STARTING RIGHT NOW.
You can't get out of debt because the credit card companies don't want you to.
That's right. They just won't let you!
They've got a slick system that keeps you in debt until you're old and gray. It's great for them, but bad for you. Well I've got a course that destroys debt, and I can show you how.
It doesn't matter how much money you make, or how much debt you have. My course doesn't consolidate your debt, it eliminates it.
"At the time I found your course, was actively contemplating bankruptcy. Now, two years later, I've paid off four credit cards, the car, 1 personal loan, and am working on the last credit card and loan. In another six months there should be nothing left but the mortgage!
Thank you, thank you, thank you!"
Sue Staley
Milboro, VA
GET OUT OF DEBT NOW!
Hi, my name is John Cummuta, and I want to help you own your life instead of wasting all your energy and money renting a lifestyle. There's a huge difference.
If you are like most Americans, you have probably painted yourself into a financial corner with a 30 year mortgage, student loans, car loans, multiple credit cards, and even possibly a 2nd mortgage.
You are likely living from check to check and renting many of the clothes and toys you just "have to have." And what's even more discouraging is that you will never get out of this quagmire in time to enjoy life if you ever get out at all.
I understand why and how you got yourself in this situation. I was once there myself. I was miserable. I know how stressful life can be when you're deep in debt. I'm sorry that you're going through this right now and I want so desperately to help you get out of this awful situation. Please listen as I show you the way to a debt free life, peace of mind, and likely even abundant wealth.
You are likely reading this for a reason. I don't believe in chance anymore.
1. THE TRAGEDY OF DEBT
95% of Americans live in debt.
Less than 5% of Americans actually retire financially independent. There is a reason we admire those who are able to live a life free of debt; they are a rare breed. I want to show you a simple, Step-By-Step Process for eliminating your debt.
Step One:
Take out a piece of paper and list all the burdens of debt:
Typical items listed here are things like "un-needed stress" and "financial insecurity" or "I have to stay at a job that I hate" or "my wife has to work instead of being home with the kids."
Whatever your debt burdens, take a moment and list them all.
FACING THE REALITY OF YOUR DEBT
If you are currently in debt and have been honest with yourself, Step One was probably a bit of a reality check. Don't worry, there is a light at the end of this tunnel. In fact, it's almost impossible for you to progress through the next steps if you haven't faced the cold hard facts of what debt has really cost you.
WHAT IF YOU COULD START OVER?
How would you like to own everything in your life? Your home, your cars, your furniture...everything? How would you like to have no debt payments, no mortgage or rent payment, no car loan or lease payments, no credit card payments, no debt payments of any kind?
And how would you like to be rapidly building your wealth from the first month?
Sound like a dream?
Well it's a dream that's coming true for more than a million people all over the world, because they learned the principles taught in my Transforming Debt into Wealth ® course.
2. THE REALITY OF BECOMING DEBT FREE!
With John Cummuta's Transforming Debt into Wealth® course:
A typical $60,000 annual income household with $151,639 in total debt, including their mortgage, could be completely debt free, owning their home, two cars, and everything else in their lives in just 5 years 9 months!
Step Two:
Take out another piece of paper and list all the benefits of being completely debt free:
Typical items listed here are things like "more free time to spend with family" and "financial security" or "I can more easily make a career change" or "I own my home and everything in it." Take a moment and list all the benefits of being out of debt.
HOW IS THAT POSSIBLE?
DEBT FREE in 5 to 7 years? How is that possible?
Here's an example: $2,000 credit card balance; $50 min. payment; 18% interest rate.
Applying an additional $50 a month to this debt pays it off in 24 months and you would save $1,985 in interest. You would need to get a 49.5% equivalent rate of return on an investment in order to generate the same $1,985 in 24 months with just a $50 a month investment.
If you applied $100 additional to the same debt, it would be paid off in 15 months and you would save $2,268. This is a 67.9% equivalent rate of return!
YOU CAN PROBABLY BE DEBT- FREE IN 5 - 7 YEARS!
That's right! Using nothing more than the money you already bring home. And you'll actually begin building significant, net-worth-measured wealth from the first month you put my debt elimination/wealth building course to work. It's called Transforming Debt into Wealth®, and it's Nightingale-Conant's #1 Best Seller, and has been for more than five years now.
So far I've taught more than a million people, one way or another, on four continents.
And the remarkable thing is that consumers all around the globe are in similar positions. They've been sold the lie that living a debt-fueled lifestyle is the best way to "enjoy success." But what they've come to realize, at one point or another in their journey, is that they're being used to make their lenders rich...instead of themselves.
"I am happy to report that I did continue the principles, and finally was debt free a year ago. This has certainly been of help recently as I was laid off last month, so not having a mortgage and loans to pay has eased the stress. Thanks for a great course!"
Paul Joyce
Keller, TX
"BUT YOU DON'T KNOW MY INCOME...OR MY DEBTS."
The fact is that it doesn't make much difference what your income level and debt level are, because the two numbers are proportionate --- meaning that, if you have a large income, you'll be granted enough credit to build up a large debt load. Conversely, if you have a smaller income, you'll only be granted a proportionately smaller total debt load. The good news is that this ratio of your debts to your income means the Transforming Debt into Wealth® course can usually help you pay off your debts with your income in around 5 to 7 years.
3. "EXACTLY WHAT ARE MY DEBTS?"
The average American household is in debt over 2 and 1/2 times it's annual income!
A typical $100,000 annual income house hold with $262,060 in total debt, including their mortgage, could be completely debt-free, owning their home, two cars, and everything else in their lives in just 6 years 5 months!
Step Three:
Take out another piece of paper and list all your debts:
Typical items listed here are things like "mortgage" and "car loans" or "credit cards" and "dept. store credit."
Take a moment and list all the things you have acquired in debt.
TRY IT FOR YOURSELF
Compare your information to see just how fast you can be out of debt!*
(The average family can pay off debts that are 2 1/2 times their annual income in 5-7 years!*)
"...I should be out of debt in three to three and a half years, instead of thirteen, at which time I'd be 64."
-Tim Newman
"I never imagined that a $10,000 debt could be paid off in 2 years."
-Linda F. Williams
"This course is so simple it's unbelievable! We've already paid off the first bill (after just five days), and will have $77,000 in bills paid off in less than four years...."
-Bonnie Bowles
*Results are based on a national average of people who have participated in the Transforming Debt into Wealth ® course and are not a guarantee. Participants must purchase the course in order to calculate their own specific out of debt date for themselves - and then follow the course exactly as outlined in order to ensure it's success.
USING ONLY THE INCOME YOU CURRENTLY MAKE!
I've taught this course around the world as part of Tony Robbins' Wealth Mastery® program. I've also shared the platform with many other notable speakers, teaching the Transforming Debt into Wealth® course to thousands of debt-laden hard workers just like you.
HOW DOES IT WORK?
Albert Einstein said the most powerful invention he ever saw was "compound interest." Those that understand it, earn it. Those that don't, pay it.
I'm going to help you truly understand it in every financial decision you will ever encounter for the rest of your life starting with your debt and then moving to your wealth!
With the Transforming Debt into Wealth® course, I will walk you through a series of steps that will truly change your life. You will learn how to avoid falling into debt again -- and then you will start building wealth...I mean real wealth!
"According to your plan, we should be out from under $164,000 of debt in about 4 years just with my husband's income! Every day we 'find' more income to add to the priority margin chipping away at that 4 year figure, and WE'RE EXCITED!"
Thank You John!
Rick & Marcie Palmer
IT ALL STARTS WITH MY DOWNLOADABLE COURSE
My downloadable course, Transforming Debt into Wealth®, will walk you through a step-by step process that will change your life forever. I promise.
I can say that because I know for a fact it works.
I have experienced it in my own life and I've witnessed it in the lives of thousands of others who have purchased this course, followed the steps, got out of debt, and built up savings, retirement, and investment portfolios they never thought possible.
I have seen families strengthened because they were free from the perils of debt.
I have witnessed marriages saved because couples chose to follow these steps.
I have observed grandparents get out of debt and provide a suitable retirement for themselves.
I have heard literally hundreds, if not thousands, of testimonies from people who have completely changed their lives just by getting totally out of debt after they used my course. But again, I don't need testimonials to know that it works...I experienced it for myself firsthand and that was all I needed.
I know it sounds a little cheesy, but I don't care about the money I have made from teaching this Transforming Debt into Wealth® course (and YES, I have made a lot of money because of it - which is OK because I'm offering a product of such immense value for so little) what I really want is for all those people who are suffering because of their choices to get into debt to finally take control of their lives and enjoy all the blessings that come with a debt free and prosperous life.
WHAT IS INCLUDED IN THE DOWNLOADABLE COURSE?
Well my first response to that is: "Knowledge, Power, and Money." Which, if you think about it, is absolutely true. But let's break it down a little:
Transforming Debt Into Wealth Course
First, you get my Downloadable Transforming Debt into Wealth® Course that is jam packed with helpful advice, examples, and motivating real life tips to meeting your goals.
Here's what the Transforming Debt into Wealth® course covers:
VOLUME 1: A Journey From Debt To Wealth
- How to get all the things you want without using credit.
- Learn the psychological tricks used to get you into debt.
- Who is after your money and how to protect yourself.
- The financial tools they didn't teach you about in school.
- How to own your life versus owing your life.
VOLUME 2: Taking Control of your Financial Future
- The credit system is stacked against you.
- Avoid being manipulated into poverty.
- The big credit lie they hope you never learn about.
- Defend yourself from being legally robbed.
- Work sheets for starting you cascading debt elimination system.
VOLUME 3: Making Your Money Work For You
- 3 simple steps to start elimination debt quickly.
- How to find money to pay your debts without another job.
- How to buy a car for 1/2 price.
- The dirty little secret car dealers are terrified you'll find out.
- 7 tips that can slash you grocery bill by 35% - 40 %
VOLUME 4: Wealth Building (Now that you're debt free)
- The most powerful invention Albert Einstein ever saw.
- When investing less will yield more - this will shock you.
- How to protect yourself against emergencies.
- The easy fundamentals of wealth building.
- The lucrative secret of Dollar Cost Averaging.
Transforming Debt Into Wealth Audio Bootcamp
Next, join me as I walk you through my entire course on these four information-packed audios.
Here's just a sampling of what you'll learn:
Here's what the Transforming Debt into Wealth® Audio Bootcamp covers:
Where Does Your Money Go?
- The best way to start eliminating debt
- How to never be financially vulnerable again
- The Four Horsemen of lifelong debt
- What 96% of Americans never achieve
- And so much more!
Credit—Your Financial Enemy
- Why the "house" always wins
- The truth about car payments
- The truth about mortgage payments
- How to develop an "anti-credit" mindset
- How to be certain you don't promise your income away
- And so much more!
The Cascading Debt Elimination System
- How to break debt's grip on your finances
- Surefire ways to increase your financial gains
- The nuts and bolts of the cascading debt elimination system
- How the accelerator margin works
- The secret to true financial security
- And, so much more!
Wealth Building
- How to harness the power of compound interest
- The magic of mutual funds
- Understanding index funds
- How to analyze risk
- John's autopilot investing program
- And so much more!
BONUS: (when you order by May 16th, 2008)
SNEAK PEAK: Are You Being Seduced into Debt?
(check out the first chapter of my new book)
"Finally, a 21st Century Toto pulls back the curtain and exposes the Wizards of Manipulation, the debt conspirators. In Breaking Free from the Debt Conspiracy, John Cummuta not only defines our major obstacles in achieving financial security, he gives us the transportation vehicle to take us from 'over the rainbow' to the actual realization of the American dream."
Denis Waitly
Author of The Psychology of Winning
HOW MUCH DOES IT COST?
All right, let's talk price and value.
I will sell this downloadable Transforming Debt into Wealth® course to your for only $39.95!
Simply put: "This is a great deal. You know it is, and I know it is."
I could give you a big pitch about how much I've marked it down and all that smoke and mirrors garbage but that's exactly the stuff I want you to avoid in the future! From now on I want you to make all of your financial decisions based on NEED and VALUE only!
I'm so confident in the value of my Transforming Debt into Wealth® course that I will give you an entire year to try it and if you aren't satisfied for any reason at any time during that year I will pay you the $39.95 back PLUS another $39.95.
(I would also ask you to write me a personal, descriptive letter/email to explain why, because I am deeply interested in your success and any way I can help.)
That's $79.90 - that's a 200% guarantee!
You have a perfect win/win situation here: If you buy the Transforming Debt into Wealth® product and start eliminating your debts and building your wealth you will obviously save and earn thousands of dollars. But if you buy the products and decide it doesn't work for you, you'll still make a 200% return on your investment.
Even without the 200% guarantee, look at what you are getting:
4 Downloadable Books, PLUS the BONUS Book, PLUS the Streaming Audio. All of which, if used together, include a Step-By-Step process that walks you and your family through a series of needed adjustments that will bring you financial security, peace of mind, and a sense of self worth that can not be purchased with money.
Let's take this step together.
John Cummuta
P.S. (On a very personal note)
I remember when I received my first letter from a struggling couple who were deep in debt and considering divorce. Their decision to "come together" one more time and give my course an honest try was a last ditch effort to save their marriage and even their children's future. You can't imagine how wonderful it's been to keep in contact with them over the years and watch them follow the steps in my course and finally get out of debt. Their financial situation is now rock solid and their marriage is better than ever.
I certainly wouldn't take credit for saving their marriage—because they did the work. Nor would I suggest that you wait until you're DEEP in debt before you take action or that my course is necessarily the best course for every person and every circumstance. But, if you have felt the strains of debt in your marriage or your family to ANY degree, I am pleading with you to not let it go any further.
Know this: if you decide to join me, I will be with you every step of the way.
Thank you so much for your time!