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What are people saying  about IYD?

"I am pleased to tell you that my wife and I have established IYD in our lives and we are on our way to financial freedom...It turned us around.  I thought you would want to know.  Thank you."     --Don Haines


"What a wonderful book.  Invest In Your Debt has truly changed the way I look at my debt.  I now see it as a golden opportunity to create the wealth I will need to retire.  Thank you so much.  Keep up the great work."  -- Sylvia Gray


"...since learning the IYD system, I have eliminated 5 debts totaling a little over $1000.  I am now working on eliminating 3 more debts which should be paid off by the end of this month. The Program Works!!"  --Robin Stallworth


"I bought the Invest In Your Debt book at the seminar and showed it to my husband, and he has been reading it every night since I brought it home.  I also went through the workbook and did my 2 credit cards with the IYD method and even without getting a second job, I will have the 2 of them paid off in less than 2 years.  My husband and I don't usually do our money together.  We have been together for 14 years, but we just got married 3+ years ago, so we had our lives, (so to speak) but this gave us an opportunity to talk about our future, money, and what we wanted to do with all of it.  He is 52 and will be retiring in a few years.  I am only 40 and have a long way to go before I can even think about retiring, so this really gave us an opportunity to see where we are and where we want to go with our lives.  I feel like God put this program in front of me to help me get on track.  Thank you for a wonderful seminar.  It was the best one I have ever been to.  Keep up the good work because there are a lot of people out there like me that need this kind of help and teaching.  I know a lot of them are at the school where I work.  I don't know how the school system works as far as getting people in to speak, but if God wants you there, you will be.  Again, Thank you.  You have helped to put me back on track.  I'll keep you posted on our progress."   --Diann


"In fact your book has changed my lifestyle...I've paid off two credit cards and I am working on the last one...Not only has it helped me bring balance and peace to my life, it has enabled me to help (others)."  --Fr. Jim


"I implemented the IYD system and
I have successfully paid off my small consumer store credit cards, one visa and I am paying off my last credit card! Thank you." --Greg


I have no words to say how much I thank you guys for existing specially to the guy that has founded your company. My life has completely changed.


Since we started the IYD System our $ 35,000 or so credit cards debts from one year ago were finished/paid and we have started to pay our $ 120,000 mortgage ( we
already paid $9,600 on it this past month!) .We 're planning to pay it all
in the next two years or so. 


I'm currently 50 and desire to retire at age 58. Based on my calculations, I can be debt free in 6 to 8 years. Perfect!


 I love the book although I'm only halfway through I am really excited about my debt (that's weird) and this book it just what I needed to jump
start me in the right direction. I will be debt free in just 4 years. I
am so committed to this that I am now on a cash basis even for Christmas. I'll follow up in 4 years when my credit rating is high and
my debts are ZERO. --Donna


I no longer feel like I'll be working for the credit card companies for the rest of my life and look I look forward to being debt free
in two to three years! Amazing!


I find myself looking forward to paying my bills each month as I watch my debt melt away. My first credit card will be paid off at the end of next month! My wife and I are going to vacation to celebrate, then it's on to the next card!
I have not met my spend smart factor every month because, as you stated in your message, life happens, but it is easy to get right back on track and still get results. Thanks, again. --Tim


My husband and I have changed our whole outlook on our financial situation.  I no longer stress about our debt and in fact, it has been fun, almost like a game, to pay our bills and then see the results.  We get together every weekend to pay our bills and forecast our weekly expenditures.  It has helped us in our decision making tremendously.  What do we need vs. what do we want.  We are committed to this plan and are rewarded by the results every month. --Michelle





�Invest in Your Debt� is unique and different from any other debt management/elimination or financial self-help book you may have ever read!

The Ultimate Tool to Eliminate your Credit Card Debt in 1-3 Years and your Mortgage in another 4-5 Years!

The information in the books, seminars and software represents tried and true strategies and tactical methods that work for everyone. �Invest in Your Debt� represents the best of the best. What we present has been compiled from the best ideas and the best debt elimination teachers in the world today. It is the financial plan we ourselves follow...

You will learn a simple Linear Math, Variable Path methodology that will teach you how to rapidly pay off your mortgage. If you also have consumer debt, car payments, student loans, credit cards, etc., you will learn how to pay it all off in 1 to 3 years and then pay off your 15 or 30 year mortgage in another 4 to 5 years. The �Invest in Your Debt� textbook will position you to do all the above without sacrificing your current lifestyle. You get to do this with all the money you have today, no second job, no living like a hermit up in the Himalayas. The book even teaches you how to celebrate and enjoy getting out of debt, because we know most people enjoyed getting into debt so let�s make sure you enjoy getting out of debt and securing your future wealth.

Read Pages 122 - 150 in the �Invest in Your Debt� textbook and find out why a MORTGAGE is really a �death grip�; that your interest rate is more like 67% not 5 or 6 percent; why the MORTGAGE TAX DEDUCTION is really a sham designed to keep you in debt forever; and why most people really DO NOT OWN THEIR OWN HOMES.

Read Pages 165 - 166 and find out when you will be a millionaire by following the IYD MORTGAGE ELIMINATION PROCESS. The �Invest in Your Debt� textbook does more than tell you what to do; it shows you and teaches how to do it!!!

Read Pages 182 - 183 to find out how to calculate your 37.13%* risk free tax-free return by following the IYD MORTGAGE ELIMINATION PROCESS. The book clearly and concisely shows you how to do these calculations so that anyone can clearly understand this phenomenal concept. And what is even more amazing, the simple Linear Math, Variable Path methodology, commonly referred to as the IYD process, will even work for those of you who do not have any extra money in your budget.

Read Pages 25 - 30 to find out how you can make this process work for yourself, even if you are living from paycheck to paycheck and never have any money left over at the end of the month.

Read Pages 48 - 69 and find out how the Spend Smart Factor can dramatically accelerate your IYD Mortgage Elimination process. Much faster the "bi-monthly type� programs.

Read Pages 51- 52 to find out how you can start creating wealth in the same time it would have taken you to normally pay off your 15 or 30 year mortgage.

Read Pages 59 - 62 to find out how to properly and effectively restructure you high interest debts with a consolidation loan that actually works for you, NOT THE MORTGAGE COMPANY.

Read Pages 87 - 88 and find out how that paying off the debt with the highest interest rate may not be the most effective way to eliminate your MORTGAGE.

Read Pages 96 - 121 and find out what the Credit Card Companies don�t want you to know!!

Read Page 124 to find out why you must first eliminate your debt, and most importantly YOUR MORTGAGE, in order to achieve True Financial Freedom. 

Read Pages 126 - 147 and learn the three biggest myths about MORTGAGES: it�s a low interest rate; a great tax deduction; and you should NEVER PAY OFF YOUR MORTGAGE because it�s cheap money.

Read Page 170 to find out why you can build three times the wealth by first investing in your debt and ELIMINATING YOUR MORTGAGE  vs. following conventional, traditional investing techniques.

Read Page 184 to find out how to invest the money that you used to be wasting on your mortgage payment and other debt after you are out of debt. We do not sell mutual funds or insurance, we are strictly and educational company. However, we do not believe that investing should be complicated and we do have some words of wisdom about traditional investing.

Includes IYD Debt Calculator automatically does all the tedious calculation for you.

The optional Invest in Your Debt On-Line Seminar brings the book to life and enhances the learning process. This is the same seminar that is taught in Colleges, Corporations, Businesses and Churches all over the country. See our website for a schedule of live seminars in your area.

You can also use our website to check your FICO Score

Click Here Now to Order "Invest In Your Debt"

The textbooks, software and seminars are for middle class people making $50,000 and spending $55,000 or $150,000 and spending $160,000 or $25,000 and spending $30,000. They�re trying to figure out what�s wrong with this picture. They have a good job, make good money, but just can�t get ahead. Being in debt is a brand new phenomenon of the last thirty or forty years. Being debt free may not be your final goal, but� for those whose financial future is not shaping up the way they want, getting completely out of debt is an alternative financial plan that can allow anyone to achieve their financial dreams! And financial freedom seems to be everyone�s financial goal. Getting out of debt for the sake of getting out of debt is not the objective. Being free and securing your financial future is the real goal.

Getting up and going to work just to pay your bills is not what it�s all about. Living where you want; working when and where you want; having fun and going on vacations when and where you want, giving money to charities or the faith of your choice; not worrying about paying your bills, that is what financial freedom is about!!!!  The �Invest in Your Debt� textbook will position you to do all the above without sacrificing your current lifestyle.

Tom Stanley and Bill Danko, in their book, �The Millionaire Next Door�, researched, and clearly demonstrated that the smart people in our society, the people who have accumulated a million dollars or more of wealth, have the audacity to own their own cars, to own their own homes and to own their lives. They are the ones who have achieved True Financial Freedom. And if you think you own your own home, skip two mortgages payments and you will quickly find out who really owns your house, and it�s not you!!!

In the �Invest in Your Debt� textbook you will discover how to eliminate all debt. You will see you can do this on the income you make today, and you get to have fun and enjoy life while you invest in your debt.

In the Invest in your Debt textbook, you will find the secrets to wealth accumulation that only the Millionaires Next Door understand. You will discover why 96% of the people never achieve financial freedom by following conventional thinking. As long as you have compound interest working against you, it is nearly impossible to become financially independent. However, the path to True Financial Freedom is through your debts. If you first Invest in Your Debt, get a guaranteed, risk-free, tax-free return of 37.13%*, then you really have compound interest work for you and you alone, not the credit card companies, car dealers, MORTGAGE COMPANIES and all the other entities that are draining your wealth from you.

What plan do you have to achieve true financial freedom? You too can be the millionaire next door, but if you do what you�ve always done, you will get what you always got. You need to start a financial plan that really works.

�Invest in Your Debt� is your last chance to truly achieve and live the life you have always dreamed about�Debt-free, Stress-free and Wealthy.

This book goes with a Full 100% Money Back Guarantee
Not for 2 weeks, nor 2 months, nor 2 years but Forever.


As a bonus it also comes with unlimited E-Mail Questions and Consultations and use of the IYD Debt Calculator that makes all the calculation easy, allows you to try different debt elimination scenarios and optimizes the debt elimination process for you particular situation.  The Hardcopy also Includes an instant PDF Download so that you can get started immediately!

Click Here Now to Order "Invest In Your Debt"

�Invest in Your Debt� is so full of True Wisdom that if at any time during your lifetime, you become dissatisfied with the information, send it back for a full refund. It will become your �Bible� for True Financial Freedom and you will never want to give it up.

�Invest in Your Debt� can do what we say. However, with something as important as your future security and your financial well being at stake, you shouldn�t just take our word for it. Read what a past student and reader of Invest in your Debt has to say about the information she received and how it showed her how to easily obtain her True Financial Freedom.

The reason I am writing, though, is to give you my story. I don�t have credit card debt, and as I mentioned, I utilized your same method in the past. However, I never thought to apply it to long-term debt. I always figured you would always have a housing payment and a car payment. Your methods made me turn around and look at things differently. In seven months, I have paid off 3 loans that had 2 more years each to run; two vehicle loans and a home equity loan for a pool addition.

We had already refinanced our mortgage 3 years ago down to 15 years and I had plans of reducing that to 10 years, but now we will begin paying that down early next year and will plan to pay it off 3-1/2 years from now. Overall, we will save approximately $25,000 in interest.

You never know what life brings you, but I�m making plans and hoping for the best. Thanks for your insight; you�ve made a difference in mine and my husband�s lives.�  --Ursula F

*Equivalent return achieved by the typical American family

With the Invest in Your Debt approach you get true financial freedom and peace of mind knowing that you own your own home.


Click Here Now to Order "Invest In Your Debt"


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