We have always paid out tithing [to our church] and been richly blessed. But today I think we also get many blessings from putting and keeping our finances in order. I cannot tell you how much working with you has blessed our lives. Thanks for all your help!

You have really benefited us. It has opened our eyes as to where we are spending our money and on what we are spending it on. For the first time in our lives, we have extra money.

I have to tell you that [working with you] has been the best thing to come into my financial life. I’d been living month-to-month, blind. I didn’t know where my money was going and had no plan. It was really frustrating. Now I have total control I can now live within my means and enjoy life at the same time!

Since working with you we are seeing the surplus grow, no doubt about it! Thanks!

Thanks for all your help. We actually have approximately $150 that we have saved for various activities including Christmas. It has only been one month that we have been tracking our money and it has already started working for us. Thanks!

You really helped us understand how money really works. We were able to first track, then slowly gain control of our spending, eventually building savings — all with the same income we started with from day one! We used to say "We can't afford to live this way, I need a raise or I have to find a better paying job..." but the answer was to get a grip on our spending!

Before learning from you, my wife and I used to live from paycheck to paycheck. Thanks to your program we were able to have enough money put away into savings before I was activated with the military. While I was on active duty my pay was reduced by thousands. Having learned the 10 Money principles we were able to modify our budget and use some of the savings to get us through.

Freedom from W-2 employment is awesome! Personal development and increasing vision thanks to you are the best rewards. . Our relationship with you guys started the journey and we are thankful we no longer “settle for less.”

It has been a year since we first started with you, and let me tell you what a wonderful year it has been! We are amazed at our financial turn around in just one year. Thanks again for all you have done for us.

It’s hard to believe that just a little over a year ago, we stared with your program.  What seemed like a pretty weak beginning has blossomed into a strong financial future this past year! What has also been fun is knowing that our taxes were paid in full three weeks ago with money that I had saved expressly for that purpose based on what I have learned from you.

Within just three short months since working with you, my parents wanted to know what I had been up to, since they had seen a change in my persona.  I told them it was the financial freedom I was starting to experience.  Thanks!

This program has helped our financial welfare. You showed us how to  understand our debt. We were able to get lower interest rates on our credit cards and then power down our payments.  We learned to save money and start planning for our retirement.  Thank you!

This is making me so hopeful about the future. I truly see the blessings in the program and how it helps you to make decisions. I think we will be tight for a few months, but the benefits outweigh any discomfort.. Thanks for helping!

This program gives participants a proven, simple, no-gimmick system anyone can use to regain their financial health and create financial freedom.  I have seen this principle-based system used effectively with hundreds seeking financial independence.  I personally use it and highly recommend it.

What you taught us has made it possible for us to finance my grandmother’s home.  We could use our Spending Planner to plan and know how much we could afford and whether we could finance the project or not. Thank you!

Thanks for all your help!  I sleep better at night now because of the things we have learned from you.

Man are we on the ball now!!  I feel much better about things thanks to the working with you.

After working with you, I calculated that we are over $10,000 ahead of where we would have been without it.  It is hard to believe how far we have come in 10 months.  Not only is there light at the end of the tunnel, but it is getting brighter, and for once it’s not a train coming at us!

Your service is tailor-made for me, a service that takes every aspect of my financial life into consideration (the personal, emotional, and professional). What’s more, the program delivers without all the sales hype that so many financial planners spew out. This program is great and just what so many of us need. Thank you!!!!

Thanks to you, I finally feel like I have someone on my side, providing immediate peace of mind to giving me the analytical skills and information I need to make important decisions such as what should I do with that condo, what do I need to do now to make sure I have enough money at retirement, and how all the different decisions work together as a whole. Thanks for all!

Thank you for all your help. We are looking forward to a continuous relationship with you guys!

You have helped to organize my finances so I can simplify my life. This is helping me to save more money..

I am the person who is responsible for handling the finances in our family, After many years of doing this job, I realized that I needed guidance. That is when you came into the picture. With your suggestions and information, I have been able to completely pay off the two credit cards, I have refinanced my two vehicles into one low interest loan, and have started my savings account balance with black ink instead of red!!!

Thanks to working with you, I have gone from being a fearful woman to a secure one. I now feel secure in the direction my financial future is taking. And more than that, I’m excited and look forward to what lies ahead! I truly feel blessed for having you in my life.

What I have learned from you has been invaluable. It has helped me gain control of my finances. I have been able to set aside a small amount of money each week to increase my savings from about $200 a year ago to nearly $2,000. I would highly recommend this program to anyone. It makes for a richer more peaceful life. Thank you!

We recently bought a house, we’re making good money. We also were living paycheck to paycheck. We never realized how much money we were spending each month. Now that we've learned how to track and control our money, we are saving over $800 each month.

I’ve learned through you, that my fiancée and I have to communicate in order to improve our financial situation. Finances have always lead to an argument and we figured we’d never get control of our spending. Now, we have started having weekly discussions what we need to buy versus what we want to buy , etc. I cannot express enough my personal gratitude for what you have done for me personally and for my relationship with my fiancee. You are a blessing!

I am very, very excited about working with you. I feel like I am getting one of the best financial coaches that exist. Thanks again for all of your support.

As a homeowner living paycheck-to-paycheck, only home repairs that were deemed an emergency were fixed. But [when the pipes in the bathroom needed repairing] I had the funds available through my emergency savings to get my bathroom fixed. Thanks to working with you, I look forward to paying my bills and reconciling my bank statements.

Since learning from you guys. I paid one credit card in full last month and another one will be paid in full next week. I have targeted May for one card and November for another one. The last one should be paid in September of next year. All monies then will go into savings. I must say that without your guidance, I seriously doubt that I would be this far.

Thanks to working with you, we now are following the right path to a much more secure financial future. Not only has working with you provided us with peace of mind, but we are also looking forward to teaching these principles to our children, so they too will have the opportunity to make financially sound decisions in their future. Thank you again for all you have done!

I was basically ignorant of my total income as well as where it was going. It was certainly a shock to see basic expenditures as high as they were. I also thought I had a good idea about my long-term investments; I see that I did not …this has been extremely helpful and has made me very aware of where I want my money to go.. I have learned that there are more vehicles for investing than I have been aware of. Thank you so much!

We managed to get ourselves in one heck of a mess and really couldn't figure out how we were going to get out of it! We now have a plan and can see the light at the end of the tunnel. We can’t thank you enough!

You have helped me develop a spending plan each month. . I’ve learned how to power down my credit cards so I could reach a reasonable payoff date. I have expanded my investment knowledge, using these tools I will enjoy a happy and fruitful retirement.

In June, we received word that Mark's salary was being cut by 25%. After an honest and thorough review of our plan we were able to trim enough expenses from our plan to cover our reduced income without deferring any debt payments. Prior to learning what you taught us, this kind of setback would have thrown us into panic mode. Mark and I feel empowered by this achievement and we are seeing the results of working the plan. Thanks again for your support!

I just wanted to say thank you. With your help and following the program, I am free of credit card debt. It really feels like a load of bricks has been lifted off my shoulders. Although I still have a truck payment and house payment, I am confident I will have them paid off far sooner than I ever imagined. Thank you!

Thanks again for your patience and guidance.  I can't begin to express the impact the program has  had on my financial well being!

Thank you so much!  I feel that I have made one of the most valuable decisions of my life. I'm looking forward to a very long-term relationship with you!  Thanks so much! 

This June 1st, Carol and I had 14 open accounts including our unpaid real estate taxes. As of today we are down to four open accounts. Our debt load is $65,000 less than when we first spoke with you. In five months we will be down to just our first and second mortgage.  Thanks to you, the shine of freedom has penetrated the cloud of debt. Our future has never looked brighter!

We retired with a $200,000 nest egg and Social Security.  Then the stock market dropped. We lost everything except about $20,000. It is an understatement to say that we were devastated. Then I found you guys,  now our future once again looks bright. We are looking forward to a second retirement in just a couple of years and hopefully a nice trip or two. Frankly, we owe it all to what your program has taught us.

After a few months[of working with you] the spending plan became not only a habit but also enjoyable . I also started noticing some of the differences by watching my co-workers and their spending habits.  Most of my them are single and making about the same salary I was making but they always seemed to be short on cash.  I was supporting  a wife and little boy on one income and yet we were getting along just fine and still managing to save 10 to 12 percent per month!

We really see the big picture now and have started giving advice to our relatives, when before we would never have said anything!  The savings accounts alone for us have made a large impact on our lives for getting us on track!

I‘ve taken some dramatic actions to put my life in order. I remortgaged the house and paid off every bill that I have, cut up every credit card that I own, and got additional life insurance of $250,000 to make sure the house is paid for if anything happens to me. Thank you!

We were told that our marriage would be better and closer [after working with you]. I didn’t believe it, since we have had such a close marriage.  The truth is, our marriage is better. We don’t have to defend ourselves anymore.  Thanks!

When [my taxes] came back from the accountant ‘s it showed that I would receive a return of $1,800.  I looked closer and saw that the accountant had left the mortgage points on my loan off the Schedule A. My actual return was $3,500! It was thanks to[what you teach] we had gone over  how taxes really work, if not, I would not have realized that the accountant had made this $1,700.00 mistake!

Getting married while my husband was still in college, we found using credit cards to pay for our groceries, clothes, etc. building up a credit card debt of close to $30,000. With student loans of over $30,000 on top of that we knew things had to change. We are constantly knocking our debt down and we know that soon our dreams will be able to come true. This program has given us hope.

With this program, I now have the tools I have been looking for to meet my financial goals. The program made some pretty big claims about what it could do for me. My evaluation? No matter who you are, this program can be a low-risk, high-return investment for you too!

I want to thank you for the encouragement and direction that you give us. I can't believe how much change I see in myself thanks to you.

We have just finished [implementing what we have learned] and I wanted to tell you that not only have we learned how to manage our finances in a much more successful manner, but I have found a level of self confidence in all aspects of my life that I thought was long gone.

Enormous thanks to you for teaching me the impact of “instant forgiveness.” This is having a wonderful impact on our family.

I went through bankruptcy and at 43 years old I had zero in savings, and I owned no real estate. I have a 22-year-old son that seemed to be headed down the same path — duh! This program has truly changed my life. I now have savings and investment accounts that I contribute to monthly. I am in the process of purchasing my first home and I am able to contribute monthly to my favorite charities as well as sponsoring a few children from poor countries. I can now teach these principles to my son! People who pass up the opportunity to learn and implement are missing the opportunity of a lifetime.

Working with you has taught us that we can make serious decisions about our financial future. You have helped us create better spending and saving habits. Because of you, we are looking at our future in terms of where we want to be financially and what we can do today to assure ourselves of getting there.

I want to tell you how grateful I am to have started working with you before I lost my job. It was extremely traumatic being fired, but I wouldn’t have been able to cope nearly as well if I hadn’t already started changing my spending habits and adjusting my thinking about money. Because of the program, I was much better prepared to cut back to the bone on my living expenses.

We want to thank you for helping us during our financial breakdown. As you know, we were on the brink of bankruptcy. After our first few sessions with you I felt like there was a light at the end of the tunnel. Wayne and I have cut up our credit cards and now live off the money we make. Believe me that was an adjustment, but we made a commitment to live off the money we bring home — no matter how tight it gets. We have successfully done that now for four months. We are finally on our way to financial freedom.

Working with you has literally transformed our finances! I can't tell you how grateful I am for the time and effort you put into this program and what tremendous impact it has had in our lives.

In June, we received word that Mark's salary was being cut by 25%. After a honest and thorough review of our plan we were able to trim enough expenses from our plan to cover our reduced income without deferring any debt payments. Prior to learning what you taught us, this kind of setback would have thrown us into panic mode. Mark and I feel empowered by this achievement and we are seeing the results of working the plan. Thanks again for your support!

My wife Mary Ellen and I have been married for more than 26 years. Our bills far exceeded our net income and we were having difficulty meeting our monthly expenses. This program is helping us on a road to recovery. Comparing our finances today to that of even a few months ago is like night and day. There is light at the end of the tunnel and we owe it all to working with you.