What is the Problem in Amercia Today?

The need for the right planning and debt elimination tool?

According to the Federal Reserve Consumer debt (excluding mortgage debt) has reached a record $2.019 trillion, and climbing. That’s approximately $19,000 per household in credit cards and car loans. 46% of Americans pay only the minimum or no payment at all on their credit cards providing $14 billion in late fees and other penalties to their credit card companies in 2007. This level of financial bondage has led to a record 1.7 million bankruptcy filings in 2003, and this number has almost doubled as of today.

In addition to record levels of personal debt and bankruptcies, the nations savings rate has dropped to just 1% of after-tax income and about 43% of American families spend more than they earn each year. This means that many people lack the resources to deal with financial emergencies, much less eventual retirement.

Personal debt and financial mismanagement are the reasons that only 2% of Americans are financially independent and comfortably able to retire at age 65.
We believe that everyone can and should experience the peace of debt-free living. Our products and services are designed to provide Financial Freedom to everyone, regardless of income level.