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When I go around the country giving financial seminars, I often begin by saying: “I’m not here to tell you what you want to hear; I’m here to tell you the truth as I see it. If you want fairy tales, you came to the wrong place.” This book is just that.

Sign the Debt Free Pledge!


  1. Get Out of Debt By Any Legal Means Necessary!
  2. Once Out of Debt, Stay Out of Debt!
  3. SAVE! (20% Of Your Income)
  4. INSURANCE! (Get Adequate Insurance)


She was there for me just like she said she would be…

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