Dave retired as an Eastman Kodak Executive in 1992. His background
is in Engineering and Finance. He holds an undergraduate degree in
Electrical Engineering and a Masters in Accounting. He has been a
Professional Speaker and Seminar Leader since 1994. Dave is the author
of many articles on personal finance and the co-author of
Invest In Your Debt, Get a 37.13% Return, Risk
Free, Guaranteed, Net of Taxes.
Currently, he is the co-founder, President and CEO of IYD,
Incorporated, a Austin, Texas Financial Education Company.
Dave travels around the country sharing with people what he calls "The
Great American Debt Opportunity." He lives in Austin Texas with his
Listen to Dave Ireland's interview on the "I Hate Debt" radio show:
The Invest In Your Debt Philosophy
Spending Your Way Out of Debt
Online Debt Help
Helping Others Become Debt-Free
Keith Robert Phildius
In 1997, Keith Phildius was approximately
$106,000 in debt. "How did I get to this point so quickly?" he would
think to himself. "What I am going to do?" His story is not the
typical debt accumulation story because he actually started his adult
life with an amount of money that could have secured his retirement
When Keith's father passed away in 1990 due to cancer, he received a
sizable inheritance including a property in North Carolina. Within a
short amount of time the money was basically gone, he was $28,000 in
debt with a mortgage in his name as well. When his tenants moved out
and the house sat empty for 3 months, he knew something had to change.
It was around that time that he met Dave Ireland and was exposed to a
debt elimination philosophy that would change his life.
Once he learned and implemented the strategies into his own life, he
knew he wanted to share this powerful information with as many people as
possible. He trained to become a certified seminar leader and worked to
build his own seminar business.
Keith holds a Undergraduate Degree of Business Administration from
Midwestern State University and speaks all over the Dallas-Fort Worth
Metroplex at such institutions as Southern Methodist University
,Texas Christian University
He also regularly speaks in Houston, Louisiana, and New Mexico.
In addition he speaks at corporations, associations, churches, and
helps to train other seminar leaders nationally. Keith also works with people
individually as a debt elimination consultant. For updates by
Keith, go to the
SL Blogs area.
Blanchard Warren, a Certified Seminar Leader (CSL), is the owner of Debts to Wealth.
Since 1997 he has offered the Invest In Your Debt
workshop outlines the benefits of investing in one's first-before saving
or investing. For the typical American family, this means a 37.13%
guaranteed return-based on an equivalent return if invested in
traditional investments. Participants learn how this approach is the
best path to true financial independence.
Blanchard is a graduate of the University of
Massachusetts with a Bachelor of Business Administration degree. His
back-ground includes being a management consultant and a business
While most of his
workshops are in the adult education programs of colleges and high
schools, he can adapt his program for companies, churches and
organizations. To find out more information, go to
In 1997, Bill and his wife attended a debt
elimination seminar that forever changed his views on financial
success. After implementing cash flow management and debt free
strategies in his life, Bill discovered he was passionate about the
subject and began teaching seminars and writing books. In 1998, this
Notre Dame graduate founded Financial Health so he could reach as many
people as possible with the unique message of financial opportunity and
hope offered through cash flow management and debt elimination.
Bill Keenan describes the adult education seminar on debt elimination
he attended in 1997 as an epiphany. "Like most people, my family and I
had followed the conventional wisdom of getting a good education,
getting a good job and working hard. Yet we weren't able to save and
invest the amount of money we needed and I couldn't figure out why. I
always believed that to get ahead financially, all you needed to do was
make more money. We were fortunate that our income did rise over the
years, but our expenses rose as well. Regardless of income, we never
had any money left over at the end of the month so we couldn't find
extra money to save and invest. When I saw the power of cash flow
management and debt elimination I realized people could achieve their
financial goals WITH NO INCREASE IN INCOME!"
Keenan began his teaching mission because he realized that
conventional financial wisdom wasn't working for his family nor for most
Americans. He has taught thousands of typical Americans how to succeed
financially, regardless of income, by managing cash flow and investing
in their debt. Today Bill Keenan is an accomplished professional
seminar leader and author, who has conducted seminars in corporations
(3M, Honeywell, etc.), schools and churches across North America. His
classes have been featured on the
station KARE 11, written about in the
Minneapolis Star and Tribune newspaper, and featured on radio stations
across the state of Minnesota.
Keenan began writing in order to reach more people with his message
of financial hope and opportunity. He wrote
Smart, Creating Wealth even with no Room in your Budget
to help people
manage cash flow and end the month with extra money. With
Dave Ireland, he co-wrote
Invest In Your Debt.
In 1998, he founded
in order to train more people to help to
seminars. Today, through IYD, Incorporated, hundreds of certified
seminar leaders teach these life-changing seminars across the country.
Hundreds of thousands of people have been taught these winning financial
Greg Frank knows first hand the pain and
vulnerability caused by being overburdened with debt. He has survived
two debt disasters that resulted from sudden and unexpected losses of
income and resulted in bankruptcy, divorce and spiritual crisis. Greg
readily admits to making many poor money decisions because he, despite
being college educated, articulate & intelligent, was just plain stupid
when it came to money. Why? Like most people, Greg never received a
proper financial education.
Frustrated by his lack of financial success, in 1994 Greg took a home
study course on debt elimination. He describes that course an
epiphany. "I learned more about money and debt in one night, than I had
learned in my entire life up to that point. I saw through the illusions
that how much we earn determines our financial health and that credit is
good for our finances. I realized that consumerism and the monthly
payment mentality were traps that cause most people to spend 25% to 30%
of their lifetime income paying compound interest on their debts while
robbing them of their ability to retire."
That course left Greg profoundly changed. As he became more
financially literate and his life began changing in positive new
directions, Greg started sharing the message of debt elimination in
adult education classes. In 1997, Greg formed Debt Free Solutions and
over the next several years conducted hundreds of workshops across
America, teaching thousands of typical families how they could become
financially successful, regardless of income.
He reached thousands more by co-authoring
Invest In Your Debt
and writing a monthly column for the Road to Financial Freedom
newsletter published by his friend and associate, Bill Keenan, president
of Financial Health and author of
In 2002 Greg merged his efforts with that of IYD, Inc. In his
present role of Senior Financial Coach, Greg trains and oversees dozens
of seminar leaders who teach these life changing principles nationwide,
sharing a common mission to create a debt free America. While he still
loves presenting seminars, Greg's focus has shifted towards one-on-one
work, helping individuals and families become financially free through
the administration of coaching programs and services such as
Automatic Debt Elimination (ADE).
Most recently, Greg relocated his mission to North Carolina where,
with the help of his wife Nancy, he opened the state's first Financial
Freedom Coaching Center. His current plans include writing a book and
establishing Financial Freedom Centers throughout North Carolina, and
Greg feels incredibly blessed to share in the IYD mission. "I am
truly grateful for the opportunity to be rewarded for doing something I
love. I enjoy it so much I can't even call it work. The gratification
and sense of accomplishment I derive from truly making a difference in
peoples' lives is indescribable."
After attending a debt elimination class in the
fall of 1994, Carl Lang's financial life changed dramatically. Seeing
that he could be completely out of debt in 4 years and 3 months, came as
a pleasant surprise considering that his current time left on his
mortgage was 18 and half years. He was so excited and felt this system
should be brought to the masses. So in the spring of 1995 he formed
Group 4 Financial Freedom. Since that time he has been
teaching this system to thousands of people and has conducted hundreds
of workshops throughout the U.S. in the corporate and adult education
community. He has had bankers, tax people, CPAs, lawyers, car dealers,
nurses, insurance agents, accountants, you name them, he's had them.
Not one person has ever found fault with the program--IT DOES WORK!
"This is the first job that I've ever had that is so rewarding." says
Lang. "This is truly a work of love. The letters of success from past
students make this the ultimate gratification of a job well done."
As a professional seminar leader, author, and
motivational speaker, Carl hopes to continue his work for many years to
come, teaching people winning financial strategies. Today he mainly
focuses programs in New Jersey, New York, Pennsylvania and Delaware
although he still does programs on request in other parts of the
Carl is a graduate of the University of Wisconsin with a B.S. and
M.S. degree in communications and has taken advanced studies towards his
Doctorate from N.C. State University. His background in Marketing and
Advertising has helped in his understanding the plight of American
families in today's financial troubled times. For more information
Group 4 Financial Freedom, 16 Hemlock Road, Suite 888, Andover, NJ
Danny de Pierson
"West Coast Bureau Chief"
It's Not About
How Much Money You Make
It's About How Much Money You Keep!
After a 29 year career in radio in sales and in
sales management, I found myself continuing to make poor decisions
regarding money. I just did not manage my income and my bills in a way
that was best for me. It seemed like I just kept paying bill, after
bill, after bill and not getting anywhere fast financially.
During the winter of 2002 however, I did two things
that changed my financial life. I attended an Invest In Your Debt
seminar and then I read the book "Rich Dad, Poor Dad". This
financial daily double completely changed the way I looked at and
handled my finances.
Since 2003 I have been virtually free of all
consumer debt and am now able to give back to my family and to those who
supported me throughout my career.
Speaking with Dave following the seminar convinced
me to join the team and start showing people how to recapture control of
their financial lives and put themselves on the road to financial
For additional information, please contact Danny at
323-924-7362 or via e-Mail,
President of the Financial Health Fair
and a recognized financial planning expert, Bob Marette has been
featured in the Rocky Mountain News and the Denver Christian News. He
is the author of the book, �From a Millstone to a Milestone,�
and has made several guest appearances on Christian radio and TV talk
shows discussing personal finances. Now, along the Front Range of the
Rocky Mountains, you can hear Bob daily on the new radio program, �Out
of Debt with Bob Marette.�
Bob conducts half-day workshops entitled, �How to Get Out of Debt in 5
� 7 Years, Including Mortgage� to churches and businesses across the
country, to MOPS groups, in continuing education settings, and to any
who will listen. His goal is �to bring the LIGHT OF HOPE to the
darkness of debt� to people all over Colorado and around the U.S.
Bob has been a financial counselor since 1980 and holds degrees in
Business and Mathematics.
He is married to Deborah, his bride of 34 years, and they have two
married children and three grandchildren. They enjoy camping,
traveling, and golf.
He can be reached at
The largest obstacle between most
people and financial success is debt. Contrary to popular belief,
being in debt, and living paycheck to paycheck does not have to be your
way in life. The trouble is, I didn�t know it. I was
constantly huffing and puffing to pay the next bill and wondering why
the circumstances never changed. Then one day I came across an
adult education booklet with this uniquely titled cover �Invest in Your
Debt.� The title so piqued my interest that I immediately
the response of the class it was amazing to see how financially
entangled people were in debt, including myself. So I invited the
instructor out for a cup of tea to see how to become involved in this
life-changing endeavor. As faith would have it, the captivating
title appeared again a few days later. I was in New York City and
picked up a copy of a catalogue from The Learning Annex. As I
flipped through its pages, my eyes were in disbelief. On one page
was an advertisement reading �Invest in Your Debt � avoid a credit
disaster and owe nothing, presented by Dave Ireland founder and
president of IND Inc.� I called the Annex and secured my space for
$68.91. This was the easiest, most life changing financial
investment I ever made.
Dave�s presentation and visiting with him in his �make shift office� (as
he refers to it) at the break, the desire kindled within me. I
wanted to be a part of this revolution then and there. It has
started me on the road of total debt elimination, and a new way of life.
Dave helped me to being and I would like to help you to begin.
I still huff and
puff a little. However the scenery (paying off my debt fast, I
mean really fast) has changed � big time.
Our mission is about helping people have a
successful journey through life, living without debt.
Ray started his career in the radio business. As well as being an
on-air deejay, newscaster, sports announcer, general manager, he was
most recently co-owner of 1160 WCCS in Homer City, Pennsylvania.
Currently he free lances as a play-by-play sportscaster including
Duquesne basketball in Pittsburgh for the past 35 years.
He started his teaching at IUP, Indiana, PA in 1986 where he taught 2
semesters Radio Production. He started his debt elimination
studies in 2000 and began teaching Invest In Your Debt and Spend Smart
courses at numerous locations in September, 2000. Since then he has
taught over a 100 seminars.
Ray is married to Dee Goss and is a father of 7 children ranging in
age from 27 to 42 who have given him 7 grandchildren thus far. Ray say,
" I have a wealth of experience with regard to finances because of a
large family that adds credibility to my seminars."
George Lucke is an author, seminar presenter, and the executive
director of Back Into Black, Inc., a financial service dedicated
to helping people break free from the burden of debt. Mr. Lucke is not a
broker and does not sell investments, insurance or mortgages. Instead,
he is devoted to teaching people how to get completely out of debt,
spend smarter and save money. George follows the concepts he teaches,
and has used the Back into Black system to eliminate over
$265,000 of debt in his own life.
George Lucke has been conducting Back into Black seminars and
private consultations since 1995. Back into Black seminars have
been presented in universities and community colleges throughout the
Southeast, which include Auburn University, Emory University, Kentucky
State University, University of Southern Indiana, University of
Richmond, University of South Carolina and The University of Tennessee.
Back into Black has also been presented to both local and
national businesses, and includes Avery Dennison, Ford Motor Company,
McKee Foods, Ross The Boss and Y-12 Federal Credit Union. Mr. Lucke has
presented government sponsored presentations for city and state
employees in Franklin, Tennessee and Frankfort, Kentucky.
George also specializes in working one-on-one with people to show them
how they can automatically eliminate all of their debt in the shortest
possible time, and without harming their credit rating. For more
information you can contact George by emailing him:
After a failed business that caused
personal financial problems, Dave Westwood realized that he never wanted
to deal with the mental and emotional pain associated with those
problems again. It was at this time, he found the �Invest In Your Debt�
After applying the principles in the program, Dave realized that he
wanted to help others avoid the same pitfalls he went through. He
Debt Free Earth, a company
dedicated to helping individuals and families eliminate all their
personal debt. In addition to providing personalized financial
Debt Free Earth teaches
seminars for schools, churches and corporations throughout the
Northeast. You can email Dave at
email@example.com or call (610) 572-2400.
Dave resides in the suburban Philadelphia area with his wife, Kim and
their son Joshua. In addition to running
Debt Free Earth, Dave is involved with several organizations in
his church and the community.
Marva V. Frasier
attended the Invest In Your Debt Seminar at Bergen Community College,
presented by Carl Lang, March 2003. She recognized this is a
simple yet effective debt elimination method. Marva states,
"Invest in Your Debt works if you work it." Invest in Your Debt
enabled her to pay off one credit card within eight months and project
to complete the remaining debt (a credit card and car loan) in two
years. Marva was so excited about this powerful financial seminar,
she taught the Invest in Your Debt method at a Women's Conference in
October 2003 at the Sheraton Hotel in Newark, NJ.
In July 2004, Marva
completed her formal training under Greg Frank, co-author of the Invest
in Your Debt textbook, and officially became a Certified Seminar Leader.
Marva specializes in conducting seminars for women conferences, and
social service organizations. However, she is available to conduct
the seminar at other venues such as colleges, corporations, and
Marva graduated from Adelphi University,
Garden City, NY; B.A. Degree in Psychology. In addition, she is a
graduate from Howard University, Washington D.C. with a Master's in
Social Work. Currently, Marva is a New Jersey State Licensed
Social Worker (LSW).
For more information contact: Marva V.
Frasier at 201.218.6665 or e-mail:
I am an entrepreneur that has owned 6 debt free
businesses in the last 25 years. At 25 years of age, I founded a
marketing company that employed 100 people and was considered one of the
very best in the industry. From there, I moved onto other areas of
business ranging from sports promotion to landscape design.
Although my adult working life has been spent in various businesses,
my main interest has been studying eastern techniques of meditation.
I have been teaching and practicing Transcendental Meditation, a
holistic program of Yoga, for the past 33 years. TM along with a
one-pointed belief in God has always provided me with the courage to
change. However, despite my dedication to right living, I have
struggled with life's obstacles like everyone else. At 23, I was
told life should be easy and comfortable, and that all life's problems
resulted from a lack of knowledge; that mistakes and suffering are just
the reaction to an action which falls short of it's intended purpose. As
with all actions, it's purpose being the expansion of happiness.
Four years ago, I attended
Invest In Your
Greg Frank. I
had no debt at the time. In fact, I
owned my life and had a mutual fund portfolio in the 6 figures.
I attended with a friend who had $30,000 of credit card debt. About 15
minutes into the seminar, I looked at my friend and whispered, "this is
After the seminar, I asked Greg how I could get
involved. A year later, I was teaching this seminar in adult
education programs from Maine to Virginia. Ironically, my life
changed shortly after beginning my new journey. One of life's
tragedies took my wealth. You know what? I had no fear.
With this program, I was confident I would be debt free again in short order.
Today, I am working the
Invest In Your Debt program like everyone I teach. I have become my
The purpose of any technique is to make life easier. A
technique should enable one to do less and accomplish more. The
Invest In Your Debt program fills this criterion. It explains the
problem and offers a powerful solution. In my opinion, Invest In
Your Debt is the only program that fundamentally builds wealth while
simultaneously eliminating debt. It enables one to use power in
their financial lives, producing the greatest results with the least
amount of effort. Invest In Your Debt is financial efficiency in
action, every action fulfilling it's intended purpose. ELIMINATE YOUR
DEBT! LIVE FREE! BE HAPPY! I hope to see you all in a seminar
Bryan Hoover is the owner of Keystone Credit Solutions, LLC. He offers the Invest in Your Debt workshop and ADE analysis as an important part of his company. Bryan is a member of the Association for Financial Counseling and Planning Education. A nonprofit, professional organization dedicated to educating, training, and certifying financial counselors and educators. He is a Certified Personal Finance Counselor through the Institute for Financial Certifications, a Certified Credit Report Reviewer through the Institute of Consumer Financial Education and a Certified Credit Consultant through the Credit Consultants Association..
Keystone Credit Solutions is based in Harrisburg, PA and serves clients locally, throughout the state of Pennsylvania and across the country. .
To learn more about us visit
www.keystonecreditsolutions.com or call 855 KCS-HELP today.
In 2000 just
prior to my 50th birthday, I was thinking about a career change and
applied for a position that would have given me a nice salary increase.
I figured that increases would take care of the debt we had accumulated.
It was a bit overwhelming to say the least. How in the world did
we get ourselves $30,000 dollars in debt, excluding our mortgage.
Needless to say it was all credit cards. We didn't have car
payments but we had serious debt. It didn't really matter at this
point who was responsible for it, we both contributed to it in one way
or another. The new job didn't materialize and we needed a plan of
action to get rid of this debt or there would be NO RETIREMENT for
either one of us. My wife had recalled seeing a class about debt
elimination in a catalog from a local school that teaches personal
enrichment and life long learning in the evenings, so we signed up.
We arrived early, checked in and sat down and began reviewing the text
book and work book. What we saw in the book made perfectly good
sense and in fact, it seemed too simple. Once the class started
and we were being shown how the process worked and how rapidly one could
eliminate their debt, it was a "no brainer." The thing that really hit
home and "turned the light on" was when another student in the class
asked if she should keep depositing money to her savings account.
I was doing the same thing of paying 15% or higher interest on credit
cards and wondering if it was okay to continue having money go into my
savings account. Then the instructor pointed out how it was
costing more in the long run and perhaps the monthly savings could be
used to help pay off our debt quicker.
That was the moment we decided to make a change in our financial lives.
We could not believe how simple the process seemed. We agreed to
sit down and look at our numbers and made the choice to change our
financial situation. I said we made "the choice" because that is
exactly what it is, a choice. I mentioned earlier that I was just
about to turn 50 and I have virtually no retirement savings at all.
I knew that debt had to go first if there was going to be any chance of
me retiring. We followed the IYD process down to the penny.
We took part-time jobs during the summer months and used the money to
help accelerate our debt pay off. (Actually working part time for
a professional baseball team as a seating host isn't a job, especially
if you are a baseball fan like we are.) It took us about 2 1/2 to
3 years to eliminate our credit card debt. It feels good to have
that big old gorilla of debt off our backs.
We still have a way to go until retirement, but we now have a clear path
to save for it. We recently took a vacation to Hawaii, and it was
a great feeling to be able to pay CASH and even have some left over when
we got home and we put that back in to savings.
Steve lives in Seattle, WA and has been teaching on a part time basis
since 2002. He teaches at 2 community colleges in the Seattle
area. He has also taught classes in Alaska, Arizona, California
and Idaho for a credit union with several thousand members spread over
the West Coast. He is expanding his seminars in the corporate
arena to companies of all sizes and also conducts one-on-one consulting.
A quote I use in my seminars sums it all up. "If you don't want your
financial future to be the same as your financial past, then you have to
make different choices. IYD is the best opportunity one will have
to accomplish this."
To reach Steve to speak at your school or
business or for more information, please email him at:
At about the age of 58, I realized my debts were
continuing to mount; yet my income was not increasing at the same time.
There was a gnawing discomfort in my stomach each month as I tried to
stretch every penny I had to pay my bills. Retirement seemed
impossible and I had a distinct fear of leaving my wife and sons with a
large debt load.
I saw the course listing for Invest In Your Debt in
the Continuing Education brochure for Baylor University, where I
continue to be a financial aid administrator. I chuckled when I
read the course description. To say that I was skeptical is a
gross understatement. I reluctantly enrolled. Keith Phildius
taught the 3-hour course that Saturday with a calm, matter-of-fact
manner. I understood. My reluctance and skepticism changed
to a mild sense of relief. I bought the Invest In Your Debt and
Spend Smart books.
Over the next several days I read the IYD book
twice. The first time I read rather quickly reinforcing the
concepts as I understood them from the class. The second time I
read with a highlighter and note pad at hand. The mild sense of
relief I had felt as I left the class turned to exhilaration as I
realized how effective this "linear math, variable path" program would
be. I have not been disappointed.
Having taught for over thirty
years in one way or another, (flight and classroom instructor in the US
Marine Corps, classical guitar at 4 colleges and universities) I knew
quickly this was something I had to share with other people. I
went to Pittsburgh and became a Certified Seminar Leader. I am
proud to share this concept with others, helping them as I was helped.
It is gratifying to encounter people six months or a year after they
attended my seminar and hear the deep joy in their voices as they tell
me of the progress they've made. Comments such as the few below
are common on evaluation sheets:
- "Outstanding. Gave me hope, light at the end of the tunnel."
- "The presenter was well organized, spoke clearly and concisely.
He gave good examples. I really wondered if the advertisement
was another scheme. But I really feel the Invest In Your Debt
program will work for me. I can't wait to get home and started
on my 'invest in my debts.' Thank you!" Claudia-Eddy, TX
You can contact me to arrange seminars for adult education
programs, churches, businesses, study clubs, etc., by email at
or phone at 254-754-4906. Give me a call and let's solve some
Robert Allen Seminars - Making a Difference in
attended the Invest in Your Debt Seminar, with her husband, at Assabet
Valley Center for Continuing Education, presented by Blanchard Warren in 2004. She found the seminar so beneficial, that she contacted
Mr. Warren and asked if he would be interested in teaching the seminar at
her work. Twenty-three people attended and all agreed that the course
Invest in Your Debt
has enabled Lisa to pay off her credit cards and her families� two car
loans within eight months. In addition, she and her husband have now
purchased a vacation home that they will use for themselves as well as
for rental income. By keeping on track with the Invest in Your Debt
program, Lisa will be debt-free of all mortgages in 12 years, rather
The program has
worked so well for her and my family; she decided that this was
something that she also wanted to teach others so that they could
benefit from the powerful program.
In August of 2005, Lisa completed her
formal training under
co-author of the Invest in Your Debt textbook, and officially became a
Certified Seminar Leader. She will be teaching this financial seminar
Night Life Adult Education Program
School system. She is also available to conduct the seminar at other
venues such as home demonstrations, colleges, corporations, libraries,
Lisa graduated from
Newbury College in Brookline, MA with an A.S. in Computer Applications
and B.S. in Computer Management and Support. She is a full-time
manager of a computer department in a large pharmaceutical company.
She is available to conduct seminars in the evening in order to better
fit other full-time individual�s busy schedules.
Lisa M. Taricco at 508-842-1717 or