Is the Leading International Debt-to-Wealth Expert. He's also an International Speaker and Wealth Coach, and Author of the World's Best-selling Personal Debt Elimination Program.
If You're CASH
I Want to Talk to YOU...
TAKE MY 30 DAY DEBT-TO-WEALTH CHALLENGE...
I KNOW I can help you turn things around in only 30 days!
These radio spots have led thousands of people to John so he could help them turn their lives around -- out of debt and building wealth!
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If you're in DEBT over your head ...
Debt that's growing ... Building ZERO wealth ... and you don't think you have the income to stop this madness ... I WANT TO TALK TO YOU!
Because you're a person I can help the MOST, and have the most to offer! In fact ...
Here's my guarantee to you ... If you're willing to let me work with you, I guarantee within 30 days, I can have you on your way out of debt and actually putting money in the bank, re- gardless of your current income.
In fact, PLEASE ... don't make another car, house, loan, medical, or credit card payment until you see what I can do for you!
I know I can help you because I've already helped thousands of good people like you go through this life-changing process. And many of them were probably in worse shape than you.
The fact is: 95% of Americans live in debt. And less than 5% of Americans actually retire financially independent. And the biggest reason I know I can help you, like I have countless others, is because I've done this first for myself. You see, many years ago ... I was in the same tight spot you are now. So I understand exactly the financial stress you feel every day!
That's right ... There was a time in my life, when I was young and dumb, when everything I had was bought on credit. I wore expensive clothes I couldn't afford, paid for with credit cards. I enjoyed lots of expensive meals out that I couldn't afford, bought with credit cards. I was proud of my big, custom home that I couldn't afford, and that was mortgaged to the hilt. And of course, I even drove an expensive, leased car that I couldn't afford.
And was actually foolish enough to believe I was doing well and "owned" all this stuff myself!
Then I lost my job ... I didn't see it coming -- at all. And in the blink of an eye, everything I considered "my stuff," was about to go.
That's when it hit me like a ton of bricks: the clothes, house, the car, the furniture ... none of it was mine. As long as I owed people money-they controlled me and all my possessions. And one of the first brutal lessons I learned was that just because you can afford to make a payment on something, doesn't mean you can afford it!
I was a prisoner of debt and not enough income! So I HAD to find a way out and up!
Everyone loves, and wants to have, these kinds of nice things. But let me show you how to do it right so you can actually OWN them and not just be a slave to the monthly payment
AND I DID! But it gets even better ...
You see, in the process of helping myself, I developed a unique method that literally turned my debt into wealth. So much wealth, that I am now 100% convinced that anyone who uses it can be very well off very quickly, even a millionaire like me by the time they retire.
It took me a few years to perfect my method, but I've now accumulated so much money using my own system, that I don't "work" anymore. I do this full time, help people go from broke to wealth, and I love it!
And one reason I think I'm so good at it is because I've been there where you are. I understand. I know how tough it is to live well on a small income. I know how it is to want so badly to live better and make more money. And most people CAN do it, they just need to be shown the way.
That's why I'm here now talking to you!
It's fast! It's easy! And it works, guaranteed, at ANY income level!
Let me ask you ...
And answer honestly ... Are you a financial house of cards ready to topple right now? If so, that's not good. But don't feel bad. Because more people are in tough financial shape today than ever before. The simple fact is, the economy failed us and tanked. It caused a ripple effect through the living rooms of middle America. And it's taking a long time for many people to get back on their feet.
But you've got to accept the fact that you may need help. And I know most people would just rather find a way to get rich quick. I'l admit, getting out of debt and saving money is NOT sexy. But guess what, who do you know that has gotten rich quick? That's right, probably nobody. Just like I don't know anyone who has either.
Trust me, if you don't get rid of your debt, it will follow you until you die. And it will only get bigger and bigger each year unless you learn how to fight back. You can't count on always having a job. That's when debt finally crushes people completely. With no income and debtors calling, you'll lose everything.
In fact, if you sat down and looked at how much money you pay in INTEREST on your debt, you'd be shocked! And that's where all your extra money is going!
I'm ready to show you how to turn your debts into wealth and never worry about money again. And the really exciting part is, you can do it using nothing more than the money you're currently earning.
I've Helped thousands of people just like these...
Six months and there should be nothing left...
At the time I found your program, 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
Debt-Free In Three 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.
$10,000 paid off in Two Years
I never imagined that a $10,000 debt could be paid off in 2 years...
-Linda F. Williams
Followed The Program.
Finally Debt Free!
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 program!
-Paul Joyce Keller, TX
Imagine watching ALL your debts disappear (even your mortgage) in 5-7 years ... and then creating so much wealth you're able to retire a debt-free millionaire.
So far over 2 million people have asked for my Debt To Wealth strategies to eliminate their debt and boost their income and savings! In fact, it works so well, it's now Nightingale-Conant's bestselling personal debt-elimination program around the world! And that can ONLY happen if it actually works!
If you're ready to break free from your debt. To stop laying awake at night as it consumes your thoughts, and fills you with anxiety, and ready to discover how good it feels to wake up every morning knowing you actually own your car, your house, and everything in it, and don't owe a dime to anyone, then come on, I'm ready to help you.
The first thing people ask me is how exactly can I get them out of debt and start building wealth with a small or so-so income?
That's a great question! I know it's hard to "see the light" with so much debt hanging over your head! But like I said, it's not as hard as you think. No matter how large or small your income, I can put some peace of mind back in your life and help you get back on your feet.
The key is this: BEFORE you can build your personal wealth, you MUST eliminate your debts.
Again, I know for most people, becoming debt free is not very sexy, fun or glamorous. But wealthy, debt-free people are that way because they manage their debt and income well! In fact, they stay out of debt altogether. As someone who's been there, I strongly encourage you to listen to what I have to say. I DO have the HONEST, responsible solution you've been searching for.
Part of the reason you can't get out of debt on your own is because the credit card companies don't want you to. Why would they? You're a cash cow for them!
They've got a proven profit system that keeps you in debt, and keeps them rolling in money for most of your life. It's great for them, but horrible for you. And my program destroys that debt, and makes the credit card companies sad.
No matter what kind of debt you have ... a 30 year mortgage, student loans, car loans, multiple credit cards, a 2nd mortgage ... medical bills ... liens ... tax debts ...
I understand how you got yourself in this situation. And I can show you how to get out.
Are you ready to 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 start rapidly building your wealth within only 30 days?
Sound like only a fantasy?
It might be for you, but for me, it's a 100% doable reality. If you let me help, and take my challenge, it will be a dream come true for YOU ... just like it has been for over a million people all over the world, because they learned the principles taught in my Debt To Wealth® program.
If you're ready to begin, you have to grasp the reality of becoming DEBT FREE!
What is like to be debt free? Most people over the age of 19 or 20 don't even know what it's like to be debt free! So many young people start life in debt! Immediately they have a low paying job, want nice things, and get right into credit card debt, school loans and more. That debt will follow them to the grave.
I have tools, resources and experience that you can't get on your own. Paying down debt is building up wealth. Look at it this way, instead of a pile of money, you have a hole that needs to be filled with money. I'll show you how to get that hole filled. And once you fill the hole, the wealth WILL start piling up.
With my Debt To Wealth® program I'll show you exactly how to do this:
Let's assume you have an average $60,000 annual income, and $151,639 in total debt, including your mortgage ... I'll help you become completely debt free, owning your home, two cars, and everything else in your life in just 5 years and 9 months!
Then all that debt then becomes income to pile up. And if you happen to have more income and less debt, then it will happen that much faster.
How is this really possible? Let me show you ...
Assume you have a $2,000 credit card balance with a $50 minimum, payment at 18% interest.
By applying only an additional $50 a month to this debt, you'll pay it off in only 24 months and SAVE $1,985 in interest. You would need to get a 49.5% equivalent rate of return on an investment in order to make the same $1,985 in 24 months with just a $50 a month investment.
$164,000 of debt gone in about 4 years
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 shipping away at that 4 year figure, and WE'RE EXCITED! Thank you John!
-Rick & Marcie Palmer
So unbelievably simiple to use.
This program 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...
If you applied an $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!
With nothing more than the money you already bring home, you'll actually begin building significant, net-worth-measured wealth within 30 days ... IF you put my debt elimination/wealth building program to work.
Guaranteed ... This program can help YOU no matter what your income or debt is ...
The fact is, it doesn't make any difference what your income level and debt level are. Because if you have a large income, you'll be given enough credit to build up a large debt load. On the other hand, if you have a smaller income, you'll likely have a smaller debt load. Because of this general rule regarding debts and your income, my Debt To Wealth® program can help anyone pay off debts and build wealth in around 5 to 7 years.
So with the average American household in debt over 2 and 1/2 times their annual income, a typical $100,000 annual income household 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!
With my Debt To Wealth® program, I'll 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!
I can say that because I know for a fact it works!
I've experienced it in my own life, and I've witnessed it in the lives of thousands of others who have used my program, 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 seniors 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 program. But again, I don't need testimonials to know that it works ... I experienced it for myself firsthand and that was all I needed.
But, let's get a little more specific and break down everything you will receive in my bestselling Debt to WealthTM Program:
The Welcome Kit
First you get the Debt to Wealth™ Welcome Kit. This includes the following items:
- An Introductory Letter from me
- A Quick Start Welcome Video where I walk you through each part of the entire program
- A Commitment Certificate you will sign and date as you begin the program
- The 14 Day Challenge designed to give you a focused approach and a strong start as you begin the program. It also includes three additional virtual advisor videos where I give you specific advice and encouragement during your first two weeks.
The Debt to Wealth™ Three-Part Online Video & Audio Course
This is the heart and soul of the program. In these three modules you will discover the Debt to Wealth™ System and learn how to calculate and create your personal debt elimination plan.
In addition to each of the video segments, you will also receive an audio version of each of the sessions to help you reinforce the lessons.
Here's what the Debt to Wealth™ program will cover:
Module One: The Trouble With Debt
- The Five Crushing Outcomes of Being in Debt
- The Shocking Truth About Mortgages
- The Five Surprising Ways Debt Damages Your Life
- The Truth About Credit Cards They Don't Want You to Know
- How Your Car Payment Could Rob You of Millions
Module Two: The Coalition of Four
- The Explanation of the Coalition of Four-Who They Are...And...What They're Doing to Rob You of Your Financial Future
- The Real Reason Most People Will NEVER be rich
- How The Coalition Uses Our Weaknesses Against Us
- Why A Consumer Mindset Actually Destroys Wealth
- Revealed! The Monthly Payment Trap!
- The Difference Between Good Debt and Bad Debt
Module Three: The Debt to Wealth™ Solution
- Stage One: How to Operate 100% On Cash
- Stage Two: How to Quickly Begin Building Wealth By Paying Off ALL Debts (including any mortgages)!
- Stage Three: How to Focus ALL Available Cash On Long-Term Wealth Building!
- How to Harness The Power of the Cascading Debt-Elimination System™
- The Six Steps To Totally Redesigning Your Life!
The Debt to Wealth™ Companion e-Workbook
This workbook contains the written lessons that complement what you will be learning in the three video course lessons. It includes strategies, tips, action steps and the actual forms you will use throughout the three video lessons to calculate your own debt elimination plan.
Ten Keys to Staying on Track with Your Debt to Wealth Plan Audio
In this exciting audio session I'll act as your personal financial trainer and give you 10 insights designed to keep your eyes on the prize of complete financial freedom! Actually, these 10 keys will help you better achieve ANY goal in your life. Listening to this audio will help you stay motivated!
Bonus #1: Secrets, Myths and Realities of Financial Independence
In this downloadable ebook, I'll explain what financial strategies and tactics will work; which ones won't; and, which ones are FLAT OUT Lies! After reading this you'll be able to avoid a lot of the financial potholes most people encounter.
Bonus #2: Jump Start Your Credit Status
In this downloadable ebook, I'll show you how and why you'll be completely rebuilding your FICO credit score, while you're following the Debt to Wealth™ program and paying off all your debts.
Bonus #3: The Trend Tracker
In this downloadable ebook, I'll explain what is happening in the economy, stock market, real estate markets, employment, lending and every area where the trends can affect your finances. And then I'll tell you exactly how to respond to these trends in light of the Debt to Wealth™ plan you are following.
Now that you know what you'll get, you probably want
to know "HOW MUCH DOES IT COST" to go from "debt laden"
to "cash in the bank" ...
Far less than you imagined! I'm not here to take your money, I'm here to help you.
That's why I ask only $39.95 for this entire Debt To Wealth® online course.
This is a phenomenal deal. And I expect you can see that.
I could give you a big pitch about how much I've marked it down and all the smoke and mirrors nonsense you're used to, 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!
Considering that you will SAVE tens, even hundreds of thousands of dollars over a lifetime, and build a million dollar+ wealth portfolio with this help ... isn't making a tiny $39.95 decision a no- brainer?
I hope it's easy! But listen, in case it's not ...
Here's where my 30 DAY DEBT TO WEALTH CHALLENGE comes in...
I'm so confident in the value of my Debt To Wealth® online course that I guarantee you, within 30 days, if you follow my program, you will ALREADY have less debt and money in the bank.
That's my personal guarantee. If that's not enough, I'll let you use this program for an entire year, 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.
That's $79.90 to YOU - that's a 200% guarantee! You can actually make money!
You have a perfect win/win situation here: If you reply for the Debt To Wealth® online course and start eliminating your debts and building your wealth, you will obviously save and earn thousands of dollars. But if you 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 do this together, right here, right now!
Register to receive the Debt to Wealth program
and learn how to completely eliminate your debt. Enter your information below to proceed
Author of Debt to Wealth®
PS: (On a very personal note) This is ironic, but over the last 3 years, more people have WANTED to get divorced, due to financial hardships ruining their marriage, but COULDN'T because they can't even afford the cost of a divorce!
With that in mind ... I recently received a letter from a struggling couple who were deep in debt and considering divorce. Instead, they decided to stay together and give my program an honest try in order to save their marriage. Their financial situation is now rock solid and their marriage is better than ever!
Now, I'm not a marriage counselor, but I do suggest that if you're deep in debt, before the strains of debt do more damage in your marriage, 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. Don't pass up on your chance to finally be debt free!