The Debt-FREE & Prosperous Living^™ System is designed to help you take three important steps towards freedom:

1. Get completely out of debt including your home mortgage - in about FIVE years.

2. Operate 100% on cash and never need credit again.

3. Quickly and safely build retirement wealth, so that you can live off the interest for the rest of your life. Then working will be optional for you.

The 275-page manual will take you through our simple-to-use mathematical system for paying off EVERY PENNY of your debt -- in the shortest possible time - using the money you already make!

It'll even help you find the money to do it. Then it will show you how to operate 100% on cash (even in emergencies), so you'll NEVER need to use credit again.

You'll Discover:

• A simple, livable system for eliminating ALL your debts
• You don't have to live like a pauper to make the system work
• How to operate 100% on CASH...even when emergency strikes!
• How you've been mislead (ripped off) all your life, by a "system"
  designed to keep you in debt bondage
• How insurance companies are robbing you
• How to stop a car dealer from stealing thousands from you
• Why it's a BAD idea to save a little money each month
• Why you won't care about your credit rating ever again
• Where you're really getting your financial education
• Have tens of thousands in investments.. in a year or two
• Why mortgage interest deductibility is the "Tax Shelter" lie
• How government and business push you into debt - to get themselves out of debt
• How to calculate WHEN you'll be completely out of debt
• How to calculate WHEN you'll be able to retire
• How to make 18% on your money - Guaranteed!
• And more - all focused on being completely out of debt, operating 100% on cash, and building wealth . . . in about 5 years

For just $79, the Debt-FREE & Prosperous Living™ Basic Course includes the 275 page manual and four special lessons on audio cassette:

Lesson 1: The American Dream Lie

• What the American Dream is supposed to be
• What the "Great Deception" is
• Why the Dream's not working for us
• Who the real "Bad Guys" are
• Why the advisors we trust don't know any better than we do

Lesson 2: How To Beat the System

• Admitting the Truth...you're in financial trouble
• The "Monthly Payment Trap"
• The ONLY price that really matters
• You have to shut off the "Wealth-Sucking Faucet"
• Interest . . . working FOR you . . . or working AGAINST you

Lesson 3: Financial Freedom Strategy

• Why you should get COMPLETELY out of debt FIRST
• How to operate 100% on CASH
• How to make your wealth make you more wealth
• What it means to be TRULY Independent

Lesson 4: A New Paradigm

• How your Paradigm (your model) for life holds you back
• How your Paradigm can condemn you to a life of debt
• Ten questions to help you shape a new Paradigm
• Sample Paradigms that are more achievable and enjoyable

Special Report: Your FREE bonus for ordering the Basic Course

The Secrets, Myths & Realities of Achieving Financial Independence. Discover the Five seductive myths, Three critical realities, and Eight powerful secrets to help you reach and sustain TRUE financial independence.

Let's face it - this is one terrific deal!

If you're not 100% satisfied with the Basic Course... You can return it within 90 days for a full $79 refund - no questions asked (shipping & handling not refundable). Of course, you can keep this bonus Special Report as our contribution to your financial freedom.

Audio/Video tapes let you review the entire Debt-FREE & Prosperous Living™ Basic Course.

You'll feel like you're sitting in a front row seat at this dynamic seminar - but you'll be in the comfort of your home, or driving in your car, or out jogging with your cassette player. This is essentially the Debt-FREE & Prosperous Living^TM Basic Course on video and audio. You'll be able to rewind the tapes and hear them as many times as you need, for years to come.

You'll see and hear author John Cummuta explain - step-by-step - how to get rid of one debt . . . then the next and the next . . . You'll also hear him answer audience questions and concerns . . . probably many just like yours. You get 2 VHS video tapes and 4 audio cassettes for only $79.

Picking up where Basic Course leaves off, each issue of the Debt-FREE & Prosperous Living^TM Newsletter is packed with timely tips and tactics to help you put the Debt-FREE & Prosperous Living^TM principles into practice. Learn how to redirect hundreds of dollars a month into debt-elimination and wealth-building.

You also learn proven strategies to minimize the cost of taxes, groceries, clothing and many other things you spend your hard-earned money on daily.

And, you'll learn how to invest the money you've rescued from wasteful bill payments and inefficient spending, so it will safely build for you - much faster than the inflation rate. You'll finally start getting ahead.

The Newsletter also gives you our perspective on current events and how they affect our debt-elimination, wealth-building and retirement strategies.

• Cutting Costs - We show you how to squeeze wasted dollars out of every area of spending, and put them to work for your future. You'll be amazed at how much money is leaking from your life!
• Shopping - you'll learn how to cut at least 10% off your grocery bill, as well as how to wear designer clothes and buy brand name products at budget basement prices. In fact, wherever you spend money, we'll show you how to always spend less.
• Automobile Costs - you'll learn how to judge a used car, how to maintain a car's value and dependability, and how to sell your car for a profit.
• Real Estate - you'll learn how to sell your current home for maximum dollars. Then you'll learn how to buy your dream house - and pay CASH! Don't want to move? We'll show you how to completely pay off your current house in just a few years.
• Basic Investing - in case you're new to the world of investing, each issue contains a column designed to teach you the basics... primarily pertaining to mutual fund investing. You'll soon understand stocks, bonds, money markets, etc.
• Taxes - there's no sense making a lot of money just to give it to the government. We show you how to protect the most dollars from the taxman - legally! You'll learn to live high on the hog while paying incredibly low taxes.
• Building Your Wealth - We show you simple investment strategies, which are designed to maximize your money's growth - safely with minimum involvement from you. We believe that most people DO NOT want to become Wall Street Wizards to build their wealth. Well...you don't have to! There are already Wall Street Wizards ready and waiting to help you get rich - for just a 1% to 1.5% fee for their work. We'll show you how to use them.
• Staying on Track - Getting started is half the battle...but sticking with it is the other half. We show you how to stay the course on your debt-freedom plan.
• Living Off Your Investments - We show you how to enjoy life on the interest income from your investrnents. You can continue to work if you want to, but it will he OPTIONAL.

It's a bargain. A Debt-FREE & Prosperous Living subscription costs just $69 a year. That's a cheap price to pay for information that could literally change the course of your life.

Subscribe NOW and you'll get these fact-packed Special Reports as a FREE bonus . . .

One Year Subscription

• The Debt-FREE & Prosperous Living Philosophy
• Cutting Your Costs
• Getting the Most for your House $

Two Year Subscription

• All three above Reports, plus...
• Making Sense Of Your Money
• Reducing Your Car Costs
• Keeping and Building Your Wealth

• DebtFree™ is the only computer program that calculates and displays your complete debt-elimination plan — payment-by-payment.
• Simply enter in your debts and let DebtFree™ do the rest.
• You'll easily and graphically see exactly when your Debt-FREE & Prosperous Living™ plan will have you completely out of debt — including your mortgage — and how your former debt payments can add up to tremendous investment wealth.
• This amazing software even calculates and graphs investment growth in full color. DebtFree™ will even print out reports to dot matrix, laser, or color printers.
• Complete on-line help guide included on disk.
• This program could be worth hundreds of thousands of dollars to you, let alone the grief it will save you and the peace-of-mind it will bring. At just $79 it's one of the best values we offer.

That's why we created the Foundations Series. This six-cassette package includes the "foundational" Debt-FREE & Prosperous Living^TM teachings in the areas of real estate (both your home and investment real estate), your cars, your shopping, and your investing.

These cassettes contain the essence of John Cummuta's years of teaching the Debt-FREE & Prosperous Living^TM principles, to tens of thousands of people, through the Basic Course, seminars, monthly newsletters, and dozens of interviews in the news media.

You'll listen to these cassettes over and over, as John reveals nugget after nugget of pure gold financial freedom strategies and tactics. Play them in the car as you drive to and from work, snap them into your cassette player while you exercise, listen to them as you drift off to sleep.

• Tape 1 - Thinking Debt-FREE and Prosperously.
  A person's financial situation is largely a direct result of their mind-set. In other words, they're in their present financial situation because of the way they think. The Bible says, "As a man thinks in his heart, so is he." This cassette will refocus your thinking to achieve success in your finances, and in many other important areas of your life.
  
• Tape 2 - Minimizing Life's Expenses
  The heart of the Debt-FREE & Prosperous Living^TM system is to maximize your net money...the money you keep...the money you don't give away. You'll learn how most people experience tight financial times as a result of giving too much of their income to seductive merchants and creditors.
  
• Tape 3 - Realities of Real Estate
  For most people, their personal residence is their largest single purchase and lifetime expense. The problem for many, however, is that this expense is much larger than it should be, because of mortgage interest. This cassette will help you reduce that expense by tens of thousands!
  
• Tape 4 - Corralling Car Costs
  On this cassette we consider what part automobiles play in our lives...how they can help us...and how they can financially hurt us. We also detail the Debt-FREE & Prosperous Living^TM system for buying cars. And, finally, we describe the keys to maintaining your car, so it can give you many thousands of miles of dependable, low-cost service.
  
• Tape 5 - Investing For Your Early Retirement
  On this cassette John Cummuta teaches exactly how to reach your goal of having enough monthly investment income that you won't have to work if you don't want to. Imagine deciding for yourself what to do each day.
  
• Tape 6 - Ten Keys to Succeeding with Your Debt-FREE Living Plan
  The principles taught on this cassette are really the cornerstones to a successful life. Yes, John applies them to succeeding with your financial independence plan, but they'll work for you in any endeavor to which you apply them. They are the true Keys to Successful Living.

This 6-cassette program could make thousands of dollars difference in your life - but it will only cost you $59. And, like all our products, it comes with a full three month money-back guarantee!

Where Can You Find A Better Deal Than This?