Time Is Running Out On The

🔥Let Financial Freedom Ring🔥

ISN'T IT TIME YOUR MONEY STARTED WORKING FOR YOU!

Get The SMART Wealth System Course & The DebtFree Millionaire Coaching System, a $1,086 Value

For Just 1 Payment of $49 or 3 Payments of $17.76

This Weekend ONLY!

Courses are delivered digitally - devices not included

Total Value of $1,086 For:

One $49 Payment — Or 3 Payments Of Just $17.76

Here's Everything You'll Get!

The SMART Wealth System Course

A $697 Value

John and Tony teach you the course in six modules you can study at your own pace.

Module 1

Start with a plan...

... takes you through an extensive process to determine your likely, dependable post-employment monthly income and expenses.

This is your "before" retirement picture. Module includes:

SMART Session 1 Video Lesson
SMART Session 1 Audio Lesson
Start With A Plan worksheet (PDF)
Start With a Plan presentation slides (PDF)
Household Monthly Budget Excel® Spreadsheet

Module 2

Maximize Your Accelerator Margin

...uses both paradigm shifting and mathematical tools to help you manage your spending to maximize the dollars available for capitalizing on the next step in the plan. Module includes:

SMART Session 2 Video Lesson
SMART Session 2 Audio Lesson
Maximize Your Accelerator Margin™️ presentation slides (PDF)
Maximize Your Accelerator Margin™️ Worksheet (PDF)
Income & Expense Statement Excel® Spreadsheet

Module 3

Acivate Your Private Bank

...unveils the Private Family Bank concept, the platform from which you will pay off your debts and build your wealth - using the same dollars at the same time. Module includes:

SMART Session 3 Video Lesson
SMART Session 3 Audio Lesson
Activate Your Private Family Bank presentation slides (PDF)
Activate Your Private Family Bank Worksheet (PDF)

Total Value of $1,086 For:

One $49 Payment — Or 3 Payments Of Just $17.76

Module 4

Remove Your Debts...

... uses your Private Family Bank to pay off your debts, because every dollar that goes into and even through a Private Bank stays in it earning interest and dividends at 5-20 times what banks pay. Module includes:

SMART Session 4 Video Lesson
SMART Session 4 Audio Lesson
Remove Your Deb ts presentation (PDF)
Remove Your Debts worksheet (PDF)

Module 5

Transition to Investing Like a Bank...

...first shows you what assets banks traditionally invest in: real estate (like your home), vehicle financing (like your car) college education loans, businesses, home remodeling (HELOC), and other low-risk, high-return investments.

We then explain exactly how you can use your Private Family Bank to invest in these same safe. real asset classes, including specific non-stock-market investment recommendations most people are unaware of. Module includes:

SMART Session 5 Video Lesson
SMART Session 5 Audio Lesson
Transition to Investing Like a Bank presentation slides (PDF)
Transition to Investing Like a Bank Worksheet (PDF)

Module 6

Eliminate Your Retirement Income Gap

This awesome bonus session brings all the of the previous 5 Module to bear on making sure your post-employment income streams will add up to more than your post-employment living expenses.

That’s what we call “Work-Optional Wealth,” where working is up to you, because you can live without the income. Module includes:

SMART Session 6 Video Lesson
SMART Session 6 Audio Lesson
Eliminate Your Retirement Gap presentation slides (PDF)

Total Value of $1,086 For:

One $49 Payment — Or 3 Payments Of Just $17.76

The SMART Wealth System Course

Why:

Because Middle-Class Americans are being financially CRUSHED!

According to study after study, and our own market research, More than 90% of middle-class Americans are doomed to never be able to completely retire...at least not at anything approaching their working lifestyle. They are buried in debt, including student loans, and they're taking on more debt to raise a family and put their kids through school.

Surprisingly, it doesn't matter how much money they make. Their spending...AND THEIR DEBTS...are proportional to whatever income they bring home. They're on different sized treadmills...but they're almost ALL on a treadmill.

They're being squeezed by the banks and the government.

Banks bleed the middle class with MONTHLY interest costs of 40% to 50%!!!

Read that again. If you accurately calculate the percentage of your total monthly debt payments going to interest charges, it averages 40% to 50% a MONTH, regardless of what interest RATES the debts charge.

And then - if you're like most Americans - when you can't figure out how you'll ever get ahead, you turn to the government and Wall Street banks to bail out your retirement hopes.

But that's not working either. It's a stacked deck!

A 401k is NOT enough. An IRA is NOT enough. 457, 403b, and other qualified plans are NOT enough. And, if you're saving for someone's college expenses, a 529 plan is NOT enough. These plans trap your money in risky market investments (gambling). You can't get at it if you're not retirement age, and you can only hope it will be enough when you get to retirement (think 2000 and 2008).

Thankfully, there is a MUCH better system. A system that is NOT exposed to the stock or bond markets. A system that includes a GUARANTEED return...and has NONE of the silly (age 59 1/2) penalties or access restrictions these government plans do.

It has truly been a wealth secret of the rich, until now...

What:

**the SMART Wealth System is a revolutionary personal debt-elimination and cash-accumulation system.**

At SMARTEST Wealth Systems, we are revolutionaries at heart. We rebel against a financial system that condemns you to feed your hard-earned money to banks and taxes, and then end up having to work, full or part-time, until you die or move in with your kids.

There IS a way to change that outcome.

We've spent nearly 3 decades helping millions of Americans eliminate wealth-crushing debt, and dependably build what we call "Job-Optional Income" for themselves and their loved ones, without stock market risks.

If you have no debts, the SMART Wealth System can be of particular advantage to you, because of what we teach about cash accumulation/growth/deployment and non-stock-market investing.

Total Value of $1,086 For:

One $49 Payment — Or 3 Payments Of Just $17.76

Who: Your Instructors

John Cummuta author of:

Transforming Debt into Wealth® system
The Banker’s Secret to Permanent Family Wealth™
The Debt-FREE & Prosperous Living® Basic Course
Are You Being Seduced into Debt?
Wealth Machine: How to Start, Build, and Market a Debt-Free Business
The Power of Perpetual Income
The Wealth Generator System™
Debt-Elimination 101
The Customer-Focused Direct Marketing book
The SMART Marketing System
The Sales Machine™ database marketing system
He’s co-developer of the DebtFree™ for Windows® debt-elimination software.
He's a 3-time Inc. 500 CEO
He has taught at 13 worldwide Tony Robbins Wealth Mastery events.

Tony Manganiello author of:

Great Credit For Life
The Debt-Free Millionaire™
The Credit Solution
DebtFree Academy™
The Cash-Flow Analysis™ online debt-elimination/payment management system
He's been a personal finance educator and adviser since the early ’90s
He began working with John Cummuta in the mid ’90s
He is a 3-Time Inc. 500 Executive
He has appeared on the 700 Club

Total Value of $1,086 For:

One $49 Payment — Or 3 Payments Of Just $17.76

I have read lots of different financial books that never were able to offer me anything tangible and concrete to work with. I then came across an email that discussed your plan. I was instantly a believer as you gave me hope (what a gift). We started the plan with $262,000 in personal debt. I happy to report that through June we have paid off 2 out of our 12 debts and have reduced our load by almost $15,000.

For anyone who is striving for financial security and for work being optional in the future, I absolutely trust John Cummuta’s advice, and recommend this program most highly.

Lori S. Port Saint Lucie, FL

I want to say thank you to you for introducing me to this invaluable information that has altered the course of my life from one of excessive debt and stress to one of peace of mind and confidence to know that I can take control of my financial situation at any time utilizing the strategies taught by you.”

Marvin W.

Total Value of $1,086 For:

One $49 Payment — Or 3 Payments Of Just $17.76

John Cummuta is author of:

Transforming Debt into Wealth® system
The Banker’s Secret to Permanent Family Wealth™
The Debt-FREE & Prosperous Living® Basic Course
Are You Being Seduced into Debt?
Wealth Machine: How to Start, Build, and Market a Debt-Free Business
The Power of Perpetual Income
The Wealth Generator System™
Debt Eliminate 101
The Customer-Focused Direct Marketing book
The SMART Marketing System
The Sales Machine™ database marketing system
He's co-developer of the DebtFree™ for Windows® debt-elimination software.
He's a 3-time Inc. 500 CEO

Section

He has taught at 13 worldwide Tony Robbins Wealth Mastery events.

Anthony Manganiello is author of:

Great Credit For Life
The Debt-Free Millionaire™
The Credit Solution™
DebtFree Academy™
Creator of the SMARTEST Wealth System Youtube channel
The Cash-Flow Analysis™ online debt-elimination/payment management system
He's been a personal finance educator and adviser since the early '90s
He began working With John Cummuta in the mid '90s
He's a 3-time Inc. 500 Executive
He has appeared on the 700 Club

For anyone who is striving for financial security and for work being optional in the future, I absolutely trust John Cummuta’s advice, and recommend this program most highly.

Lori S. Port Saint Lucie, FL

Act NOW And Get These 15 Powerful Bonus Lessons And Tools

Bonus #1 Audio Lesson - Redesign Your Life

This bonus takes you outside your life-plan box to explore other lifestyle and location possibilities. You may well find a more desirable retirement life, or even current life, in a less expensive area…possibly even doing something much different from your current occupation.

Bonus #2 Audio Lesson - How To Increase Your Income

This audio examines your realistic options for increasing your primary income stream and adding additional income streams. From strategies for getting a raise to changing employers to changing careers to starting a business of your own, this lesson helps you determine what would work best for your present and future life.

Bonus #3 Audio Lesson - The Laws of Success

This bonus audio reveals 15 bedrock principles that, if acted upon, can pretty much guarantee your success in whatever endeavor you focus them on. They’re at the root of all of our successes.

Bonus #4 Audio Lesson - The Laws of Achievement

This bonus examines 12 fundamental achievement truths. If you’ve bothered to establish any goals for your life, and you want to achieve them, following these time-tested rules will bring you to inevitable success

Bonus #5 (PDF) - Your Average Retirement Day

This bonus takes you through an exercise examining what you’ll really need in your retirement years, such as what size house, where it will be located, what recreational activities will you want to pursue, and so on. The answers will help you determine the likely cost of that post-employment life.

Bonus #6 (PDF) - Post Employment To-Do List

This bonus will help you list things you’ll GET to do, not things you’ll HAVE to do in your Work-Optional Wealth™ years.

Bonus #7 (PDF) - Monthly Savings To Reach Your Retirement Goal

This bonus will help you determine the savings amount you’ll need to put away each month, over various timelines, to achieve a given amount of Work-Optional Wealth™.

Bonus #8 Audio Lesson - Finding Your Accelerator Margin™

This bonus takes you on a tour of all the places money can be leaking out of your life, money that could build your wealth. You’ll be surprised by some of them.

Bonus #9 Audio Lesson - Manage Your Spending To Maximize Your Accelerator Margin™

This bonus unveils manipulations used on you by the marketing industry so you can make buying decisions with your brain rather than your emotions. This one revelation could free up a lot of money that could be better focused on building your Work-Optional Wealth™.

Bonus #10 Audio Lesson - Your Mind's Money Box

This bonus exposes a mental blueprint that confines most people to a lower economic reality than they’re capable of. This lesson explains how to redraw this blueprint, so you’re free to achieve an enjoy more financial rewards than you may now dream of.

Bonus #11 Audio Lesson - Debt: Your Biggest Obstacle

This bonus exposes just how destructive carrying debt is to your ability to ever accumulate Work-Optional Wealth™. You can either make debt payments OR build wealth — pick one.

Bonus #12 Audio Lesson - Whose Wealth Are You Building?

This bonus pulls the curtain back on a collection of industries we call the “Coalition of Four.” This powerful marketplace consortium uses both outside and inside influences to divert most of the money you produce in your life into their bank vaults rather than your own.

Bonus #13 Audio Lesson - The Laws of Wealth Creation

This bonus unpacks 11 foundational principles to successful wealth-building. If you just get these critical truths down inside you, your actions will change to those that draw you towards money and money towards you. It’s inevitable!

Bonus #14 Audio Lesson - Real Estate Investing

This bonus is a step-by-step guide to operating a single-family-home rental real estate business. It provides a detailed overview to make sure you consider every important aspect of investing in rental real estate, from analyzing properties before you make an offer to building your support team of experts.

Bonus #15 (PDF) - Personal Balance Sheet

This bonus calculates the most accurate measurement of your financial wealth: your “Net Worth.”

Total Value of $1,086 For:

One $49 Payment — Or 3 Payments Of Just $17.76

The DebtFree Millionaire 7-Week

Coaching System

A $389 Value

Week 1

Myth Busters Week

Learn how these six "money myths" are costing you a fortune!

The Millionaire Myth
The Good Debt Myth
The Pay Yourself First Myth
The Budgeting Myth
The College Funding Myth
The More Money Myth

Week 2

Understanding Debt & Credit

Debt and credit are two of the most misunderstood financial concepts. In this session you'll see them in a completely new light. A light that will help you find your way through the financial tunnel you didn't even know you were in.

Week 3

The Cash-Flow Analysis

How can you navigate your way to a prosperous financial future if you're unaware of where it is you're starting from?

The Cash-Flow Analysis will pinpoint where your starting point is so you can get the best directions to where you want to go.

Week 4

Becoming Debt Free Week

Imagine having no credit card payments, no car or student loan payments, and even no mortgage payments.

You'll discover how to turn your imagination into reality during this week's lesson.

Total Value of $1,086 For:

One $49 Payment — Or 3 Payments Of Just $17.76

Week 5

Wealth Accumulation Week

Believe it or not... you ARE accumulating wealth. The problem is that your wealth is accumulating in the pockets of those to whom you're making payments.

This week you'll learn how to turn the tables on where your wealth is accumulating once and for all.

Week 6

Creating A Wealth Accumulation Mentality Week

Over the years, you've been conditioned like a good little soldier to believe wealth is for "other people"... and not for you.

This week's lesson will help you win the battle between your ears so you can finally believe you deserve to become a "wealth accumulator.

Week 7

Legacy Week

When it's all said and done... how will you be remembered? Legacy week will help you gain perspective on what's most important, so you can leave this world with no regrets.

Who knows... maybe future generations will have your portrait hanging over the mantle...?

Total Value of $1,086 For:

One $49 Payment — Or 3 Payments Of Just $17.76

Your DebtFree Millionaire 7-Week Coaching System Bonuses!

The DebtFree Millionaire Immersion Learning System

In addition to everything listed above, The DebtFree Millionaire 7-Week Coaching System will immerse you in the content in such a way that you'll be surprised at how easy everything is to remember.

It's called the "Immersion Learning System"... (ILS). Just follow the curriculum and you'll be set.

The Cash-Flow Dashboard

Don't worry about complex financial calculations. Your DebtFree Millionaire System comes with a 3-month trial to our exclusive Cash-Flow Dashboard (over a $30 value).

You'll be coached how to enter your info and discover exactly how soon you can become debt free and how much interest you can save. On average, you'll be able to pay off all your debt in less than nine years (including your mortgage if you have one), and save over $100,000 in interest payments!