"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 course!"

Regards"

Paul Joyce
Keller, TX

"At the time I found your program, I 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
Millboro, VA

Building Wealth Through
Accelerated Debt Elimination

My name is John Cummuta, and I want to help you own your life instead of wasting all your energy and money renting a lifestyle. There's a huge difference.

The Guaranteed Gateway to Wealth

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 be rapidly building your wealth from the first month?

Sound like a dream?

Well it's a dream that's coming true for more than a million people all over the world, because they learned the principles taught in my Transforming Debt into Wealth^® system. For more than a decade and a half I've been helping people achieve this transformation through my books, seminars, videos, audios, software, speaking engagements, and personal consultations.

The Transforming Debt into Wealth^® system increases your net worth from the very first month, so you're building wealth from the start. The average household is completely debt-free, including paying off their mortgage, in just 5 to 7 years. From that point they have $1,000, $2,000 or more to invest each month -- building real retirement wealth in an amazingly short time.

This is not a loan program or a credit counseling service. It's a proven system you can implement yourself, or we can help you if you wish.

A typical $60,000 annual income household with $151,639 in total debt, including their mortgage, could be completely debt-free, owning their home, two cars, and everything else in their lives in just 5 years 9 months. They would save $142,444 in interest payments, and could build up $1,646,312 in retirement savings in just 20 years using their newfound monthly cash flow.

Every dollar of their $151,639 total debt has been transformed into just under $10.86. Result = $1.6 million in retirement savings...and that doesn't even count the equity they have in their home and other assets.

How's that possible?

Example: $2,000 credit card balance; $50 min. payment; 18% interest rate.

Applying an additional $50 a month to this debt pays it off in 24 months and you would save $1,985 in interest. You would need to get a 49.5% equivalent rate of return on an investment in order to generate the same $1,985 in 24 months with just a $50 a month investment.

If you applied $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!

You can probably be debt-free in about 5 to 7 years ― using nothing more than the money you already bring home. And you'll actually begin building significant, net-worth-measured wealth from the first month you put my debt elimination/wealth building system to work. It's called Transforming Debt into Wealth^®, and it's Nightingale-Conant's #1 Best Seller, and has been for more than three years now.

The most successful Debt-Elimination/Wealth-Building program in the world today

So far I've taught my system to more than two million people, one way or another, on four continents. And the remarkable thing is that consumers all around the globe are in similar positions. They've been sold the lie that living a debt-fueled lifestyle is the best way to "enjoy success." But what they've come to realize, at one point or another in their journey, is that they're being used to make their lenders rich...instead of themselves.

"But you don't know my income...or my debts."

The fact is that it doesn't make much difference what your income level and debt level are, because the two numbers are proportionate ― meaning that, if you have a large income, you'll be granted enough credit to build up a large debt load. Conversely, if you have a smaller income, you'll only be granted a proportionately smaller total debt load. The good news is that this ratio of your debts to your income means the Transforming Debt into Wealth® system can usually help you pay off your debts with your income in around 5 to 7 years.

The sooner you start, the sooner those years will be behind you.

As heard on the Radio...

Transforming Debt into Wealth® System Package

"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 chipping away at that 4 year figure, and WE’RE EXCITED!

We have listened to this program 3 times now, learning something new every time, and will purchase the software to keep us on track!

When I prayed to God to help us get out of debt, Nightingale Conant came in the mail and now John Cummuta is part of our lives.

Thank you, John"

Rick & Marcie Palmer

"Dear John,

I want to thank you for the principles you taught my wife and me. Our children followed them and are doing well financially -- as are we.

I just wanted to let you know my wife and I are now taking the next step in our wealth-building plan...moving to a wonderful barrier island off the coast of Alabama in the Gulf of Mexico.

We are completely debt-free, will remain so during our move, and plan to remain debt-free the remainder of our lives (we are in our early sixties now).

We thank you for all you taught us about freedom from debt and building wealth."

Bill and Anne Boylan

Building Wealth Through Accelerated Debt Elimination

Building Wealth Through
Accelerated Debt Elimination