Over 2,000,000 people have learned these debt free secrets, and now it\'s your turn! Stop being a prisoner of debt today! Discover how good it feels to wake up each morning knowing you own your car, house, and everything you have, and you don\'t owe a penny to anyone. No more bills in the mailbox. This method transforms your debt into wealth - growing to $1 million - using nothing more than the money you\'re currently earning. Thanks to the best-kept secret of the investment industry, you\'re in control of your life: free, financially independent - enjoying peace of mind, knowing your family is safe and you\'re set for life! Before you try our method, see how it works and see the proof for yourself.

1. 1 TransformingDEBTintoWEALTH How you can achieve TRUE financial freedom... using the money you already earn!

3. That credit cards and unsecured loans are the only debts you should be concerned with

4. That consolidating your debt and lowering your payments alone will get you out of debt

5. That paying off debt is not your best investment

7. Rapidly pay off your mortgage, and if you don’t own a home right now, how to get one, and pay it off

8. Start building wealth immediately with guaranteed returns that beat most traditional investments

9. Permanently avoid the credit traps that ensnare most people and keep them from succeeding financially

11. © Spencer, Spencer & Associates Consulting Group 2009 2009 5 A U.S. Department of Health & Human Services Study says . . . Out of every 100 people born, after 65 years . . . 25 are dead 20 have incomes under $6,000 51have incomes of $6,000 to $35,000 ($12,000 median income) 4 have incomes over $35,000 That’s where YOU want to be!

12. © Spencer, Spencer & Associates Consulting Group 2009 2009 6 U.S.A. Today A USA Today article dated May 8, 1995 stated: You will need $1 MILLION to Retire

13. © Spencer, Spencer & Associates Consulting Group 2009 2009 7 Monthly savings required to meet your Financial Freedom goals

15. NO car payments?

16. NO credit card payments?

17. NO debt payments of any kind…Then would you be able to save enough to reach your financial freedom goals?

18. © Spencer, Spencer & Associates Consulting Group 2009 2009 9 Do I need to earn more money? Most people think that if they could just earn a little more money… THEN they would be able reach their financial dreams But the truth is…

20. Utilities

21. Medical bills

22. Mortgage

23. Clothes

24. Kid’s education

25. Cars

26. Entertainment

27. Other expensesAnd don’t forget to save for your future!

28. © Spencer, Spencer & Associates Consulting Group 2009 2009 11 How your hourly wage is affected... Average hourly wage=$15.00 per hour Subtract all taxes $5.45 per hour Subtract credit interest $5.65 per hour REAL take home pay=$3.80 per hour

29. © Spencer, Spencer & Associates Consulting Group 2009 2009 12 "Consumer" or "Wealth Builder?" Consumer defined: One who“consumes. Webster’s dictionary defines the word, consume,“to take, to do away with completely, to waste, to squander” Wealth defined: “A person’s ability to survive so many days forward without working.” - Buckminster Fuller How long could you survive without working?

30. © Spencer, Spencer & Associates Consulting Group 2009 2009 13 Let's look at what drains our wealth building potential... Because if you truly want to make the transition from being a “Wealth Consumer” to becoming a “Wealth Producer” … Then you will need to see how your spending affects your potential to build wealth…

31. © Spencer, Spencer & Associates Consulting Group 2009 2009 14 The Monthly Payment Trap Only $45 per Month! 6 Months NO Interest! * If paid after 6 months, interest is accumulated from first day. Interest is 23.6% annual rate.

32. © Spencer, Spencer & Associates Consulting Group 2009 2009 15 The REAL Cost of Using Your Credit Card Example: A $2,000 furniture purchase on your credit card… Will take 31 years and 2 months to pay off! You will pay $8,202 in interest alone! How will that sofa look when you finally pay it off?

33. © Spencer, Spencer & Associates Consulting Group 2009 2009 16 What the credit card REALLY costs you... If you invested the minimum payment in a mutual fund over the same 31 years, 2 months with an 8% annual rate of return… The total wealth you would have accumulated instead is $66,000*! * Purely hypothetical example: monthly payment of $40 for 31 yrs., 2 mos.; 8% annual rate of return

34. © Spencer, Spencer & Associates Consulting Group 2009 2009 17 The Mortgage drain... EXAMPLE:$200,000, 30-year mortgage at 6% fixed interest . . . You end up paying $431,676 in total payments for your home $231,676 of that is in interest alone!

35. © Spencer, Spencer & Associates Consulting Group 2009 2009 18 The mortgage that never goes away After paying on this $200,000 mortgage for FIVE years…(30-year, 6% fixed) You would still owe 93% of the balance ($186,109) After paying for 10 years… You would still owe 84% of the balance ($167,372) It will take approximately 21 YEARS to pay off 50% of your mortgage And what happens whenever you move and start over on a new mortgage?

36. © Spencer, Spencer & Associates Consulting Group 2009 2009 19 What about the mortgage interest tax deduction? What that means is this… If you are in a 25% tax bracket… For every dollar of interest you pay, you will get 25 cents back in interest tax deductions You pay a dollar… get 25 cents back… Does this sound like a good deal to you?

37. © Spencer, Spencer & Associates Consulting Group 2009 2009 20 The wealth impact of paying off my mortgage? Example:If you were to pay off this $200,000 mortgage 20 years sooner than normal… You would save $165,609 in interest If you invested the same mortgage payment ($1,199) for the 20 years you saved, and realized an 8% annual rate of return… The potential Wealth Impact of paying off your mortgage early would be $706,235!* * A purely hypothetical example; if you invested the same money in an investment earning an 8% annual rate return. For illustration only.

38. © Spencer, Spencer & Associates Consulting Group 2009 2009 21 The REAL Cost of Car Payments Make a $300 monthly car payment over your working life . . . You will make $144,000 in payments over 40 years… Invest the same $300 a month instead in a mutual fund with a 8% return for just HALF the time. . . You could potentially build over $176,706* in wealth! * A purely hypothetical example; if you invested the same money in an investment earning an 8% annual rate return. For illustration only.

40. $10 / workday

41. $96,000 expense over an average working life

42. Potential Wealth Building Impact: $698,202*

43. The Latte a day that keeps the wealth away!

44. $4 / workday

45. $38,400 expense over average working life

46. Potential Wealth Building Impact: $279,281** A purely hypothetical example; if you invested the same money in an investment earning an 8% annual rate return. For illustration only.

48. NOT a non-spending plan

49. But a managed-spending planAnd what if you just spend half of the amount you normally spend on these things?

51. You are INCREASING your debt with longer-term interest charges and closing costs.

52. You give up equity in your home without really solving your problem.

53. Creates temptation to charge up credit cards you paid off the balances on.

55. By lowering your monthly payments so you can create the extra funds to accelerate your debt payoff.

56. BUT BEWARE!

57. Consolidation loans do not eliminate debt by themselves.

60. Or everybody else’s? Remember… You can’t build your wealth and consume it at the same time.

61. © Spencer, Spencer & Associates Consulting Group 2009 2009 28 The First Step To Financial Freedom... STOP Creating New Debt! Perform PLASTIC SURGERY! Cut up those CREDIT CARDS! * Use a Debit Card instead

62. © Spencer, Spencer & Associates Consulting Group 2009 2009 29 Keys To Building a Secure Financial Future 1.) Start building wealth immediately by first eliminating all debt. Simultaneously operate 100% on cash. 2.) Build your estate. Protect your loved ones with a quality insurance product while you’re building your nest egg. 3.) Build REAL retirement wealth using the same money you were wasting on debt! Most people could be saving 40% to 50% of their income if they had no debt payments!

64. How to simultaneously live 100% on cash, even when emergencies strike

66. © Spencer, Spencer & Associates Consulting Group 2009 2009 32 Do-It-Yourself! 1 We can provide you with all the tools you need to follow the Transforming Debt Into Wealth® system yourself! The TDIW Seminar Manual & Audio® home-study course. The DebtFree™ software will help you personalize your own financial freedom strategy. The TDIW Seminar DVD - John Cummuta LIVE at a Tony Robbins Wealth Mastery event.

68. We will show you specifically how our debt-elimination program can help you.2 We can help you develop your own personalized plan with our consultation service. We also have longer-term coaching services available to ensure that you are successful with your debt-elimination plan. You decide what level of assistance you may need

70. Get harassing creditors off your back.

71. Transform negative cash flow into positive cash flow3 The right debt-relief service can create monthly payments based on what YOU can afford. You can pay off all your unsecured debt, usually within 36-48 months!

72. © Spencer, Spencer & Associates Consulting Group 2009 2009 35 The Average American Family... Will be COMPLETELY OUT OF DEBT in 7 years and 7 months*. Will SAVE $107,121* in interest payments. Will FREE UP $307,500* in accumulated monthly payments. Could you think of a better use for this $307,500 than giving it to the credit institutions? * Based on $47,211 annual income; $1,230 in total monthly debt payments over a 28 yrs., 5 mos. period. Debt-free 20 yrs.,10 mos. sooner than normal.

73. © Spencer, Spencer & Associates Consulting Group 2009 2009 36 What about you? This program can only help you if you get started… time is money! Every DAY this average American family would’ve delayed implementing their plan they would lose $38.67* in potential interest savings… Every MONTH they delayed would have cost them $1,177* in potential interest savings… So with this in mind… when would be the best time to get started? * Based on the Average American family case study. $107,121 in total interest savings, over a 91 month period.

74. © Spencer, Spencer & Associates Consulting Group 2009 2009 37 Let's See Which Program Fits YOUR Situation Let’s take a few minutes to fill out a FREE, no obligation Cash Flow Check-Up… and see how financial freedom can be a reality for you!