Testimonials
Apr 27, 2012
Brad,
I just got a phone call from my insurance agent. As a result of your training, I have restructured my homeowner’s insurance policy and reduced my monthly payments by $189.00 with further reductions still to come. I will apply this savings to my Accelerated Monthly Debt Payment and continue to peruse all of my insurance coverage for more savings opportunities.
Thanks Again,
Donald J Pritchett
Apr 24, 2012
Hi Brad,
Your tax deduction information couldn’t have come at a better time for me. I’ve spent today & yesterday putting together information based on the info for the tax preparation service. Yesterday, they told me I would probably have a tax liability of approx. $5,000. With this info, I’ll likely not have to pay any tax.
Many thanks for your expertise, guidance and patience.
Janet Rater
Jan 6, 2012
Brad,
Amber and I would like to thank you for helping us to renew our minds and belief system about money and accumulating wealth. Prior to this program, we had already made up in our mind we wanted to become wealthy, hence joining the program; however, we did not have a solid plan in place.
Brad, you have given us that blueprint and plan to build wealth.
Specifically, we have learned how to track our spending which has allowed us to become disciplined, cut cost and look for discounts in areas.
The lesson that has caused a complete paradigm shift has to be the debt payoff method. For so long we have been trying to save, invest, pay off debt and still enjoy a life of “luxury”. This method that you presented to us has given us a laser focus opposed to the light bulb focus! This method has put us on track to pay off a $7,000 car note in less than 4 months. The momentum from this first debt payoff will surely fuel our ambitions for eliminating debt and accumulating wealth.
Currently, with just one income for our household and before our debt payoff method, it will take us 61 years to pay off our debt! SCARY!! However, under the debt pay off method (even with one income) it will take us slightly over 9 years to pay off all of our debt!! This saves us 52 years!!! This is very exciting and has given us a lot of motivation! What’s even more exciting is to know this will be achieved on entirely one income! Just imagine how we can cut that 9 years down when you consider my earning potential and when Amber gets back into the job market! With the money that we are currently wasting on debt, we could be investing almost $4,000 per month!!! We are looking forward to this new journey and we would like to truly thank you!!!
Warm Regards,
Jamerus R. Payton
The Payton Business Group
Co-Founder and Vice-President
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Jan 21, 2010
Dear Brad:
Your financial coaching is without question the best investment of time we have ever made! Although we have a trusted certified financial planner and a tax accountant, your expertise is powerfully benefiting our financial future.
You are helping us achieve our financial goals in a definitive fashion. In just 90 days of working with you we have:
- Identified over $10k of unaccounted-for dollars that was leaking out of our life.
- Reduced our expenses by over $900 per month.
- Reduced our insurance premiums by over $600 per year.
- Created a debt-acceleration fund.
- Completely paid off two of our six debts.
- Aligned our financial course to have:
- All debts except our mortgage paid by the end of 2010 -in just 15 months!
- All debts including our mortgage paid by the end of 2015 – in just 63 months!
We will save over $600,000 in interest payments alone!
We are now working with you to expand our income and to leverage our wealth-building for retirement.
You are extraordinarily knowledgeable, and it is a pleasure to work with you. Your enthusiasm is contagious. Your expertise is proven.
We wish we’d found you 20 years ago!
Brad, we want to say gratefully and profoundly; thank you.
With warmest regards,
Rick and Marla Stier
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Jun 30, 2010
Brad here is what has been happening the last couple months since we started working together:
First you showed me how to free up an extra $120+ per week through my federal income taxes.
Second you showed me how to figure out where in the world my money was going and how to “get control” of it.
Third I used that information and the extra cash to start putting $1000 per month toward debt
Forth I found that by putting my husband on a cash only system I was able to save another $600 (in the first 2 weeks)… so much more to come.
I started with over $185,800 of total debt and was facing at least 25 or more years of monthly payments of over $2500. With the debt acceleration model you showed me, I’ve got that down to 3 years and 4 months (including mortgage!!). I’ll have my daughter’s student loans and my car loan paid off in 3 months (was gonna be over 2 years at the rate I was going).
When my car loan is paid off, I’m going to switch the insurance to just liability. That will save me another $700 per year that I will add to my debt acceleration.
To qualify for the tax deductions that you showed me, I’m going to create a sole proprietorship in my husband’s name and call it Morton Enterprises. I will have several projects going, including network marketing so that I can have some residual income streams to be able to quit a very unsatisfying job as soon as possible. I am going to claim the home office deduction, with him paying me a salary.
I’m going to plant a tree farm on at least 1 acre of the 4.5 acres we have. I also have an abundantly producing apple tree that I’m going pick off the blossoms in the spring, dry them out and sell on the internet as all natural hermit crab food. Actually, I’m going to pay my kids to do that for me (Another Tax Deduction)!
After I get my credit card paid off (was looking at over 50 months, now will have it paid off in 5 months or less), I’m going to get out of the contract buying of our house (10.5% interest!!), and get a real mortgage in my name (hopefully the interest rates will still be as low or lower than they are right now) and lease the home office space back to my husband for more tax deductions.
When my house is paid off (3 years and 4 months from now) I’m going to put the $3,800+ I’m now paying toward debt into a money market account until it reaches $30,000 for our emergency fund. This will take less than 8 months. Once that is accomplished, I’m going to start investing that money in the stock market each month.
I AM a money magnet!!!
Thank you so very much for everything you’ve taught me!!!!
Steph
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Jul 12, 2010
| Dear Brad,
I am writing this letter to let you know that for the first time since I remember, I can sleep at night. When my husband, back in April, asked me to start this program I was very skeptical, to me it was another money thrown away and wasted time. Our first sessions were overwhelming, so many assignments, so many e-mails, and so much information. I honestly thought I will not be able to handle it. I have to admit that the e-mail about freezing your credit card I found very funny and unrealistic. I thought that was a joke. Now, July 12 2010, 2 months later I cannot believe I paid all my credit card debt I have not used credit card since May 26 and I can simply relax, and not worry about outstanding balances. I feel free. For the first time since I remember I am worry free. I don’t start my workday from checking status of my checking account, I do not have to worry if I sent my payment on time simply because I do not have any payments to send, I am not being charged interest rates because I do not borrow from anybody. I simply use my own money. I want to thank you so very much for all your help. Thank you for showing us and teaching us how to deal with such an important aspect of our lives-finances. Brad, your sessions are great, your knowledge is endless, and most importantly, I want to thank you for making your sessions so interesting and simple. I am a Moran when it comes to math, interest rates, money market, and finances. After your weekly sessions I can say you opened my eyes and “I can see now”. Our sessions are almost over and I already know I am going to miss them. I am a strong believer in your program and would recommend it to anybody. You, Mr. Brad are a great coach, it has been a pleasure to listen to your great advice and endless knowledge on the subject. God Bless You and your family THANK YOU VERY MUCH! Beata and Walter Kedziora ********************************************************************************* Oct 5, 2010 Hi Brad, The most significant concept learned so far is just this: Debt is the robber of all my dreams and robs me of my potential ability to share with others. To change this, I have committed to pay down all my debt; cards first and then using my increased accelerator funds to pay down my mortgage debt in 5.3 years. I have paid down five debts out of seven that we have as of this writing: 1) Macy’s card which was at 24% interest 2) My Capital One Card at 10.99%, 3) Hickam Credit Union personal loan at 8.5%, 4) Bank of America VISA at 15.99%, and 5) American Dream which was a 0% interest for two years. All totaled, a pay down of $17,540 of debt. We will be working on our last two card debts 1) Citi Card at $6800 with 0% interest til Sep 11, and 2) Mililani Funeral Home at $9140 at 0% interest. With my power down debt accelerator, we estimate we will be paid with these two last debts in five months. 3) Last of all debts is our mortgage. Our loan is a 15 year mortgage loan and according to our amortization schedule, in that time our total pay back to the banks would be approx $740K at 4.5% interest over double the original loan. With our accelerator starting at $2,416 added to our regular mortgage payment of $2658, we can be done with our mortgage debt in five years. We will save $250K in interest payments. With the original mortgage, I would need to work until I am at least 63 years old to be done with the mortgage. By following your plan, I can retire when I am 62 years old, enjoy my grandkids and become a generous man. The key to the accelerator is keeping close tabs on our spending. We have not yet gone through a whole month of tallying, but I can already see areas that I can cut and save more funds for the accelerator. The good thing is that I can see now that if an emergency did come up, the accelerator is a source of funds too, that we can tap into to handle the emergency, then follow up and get back on track. I have learned that organization is a morale booster; my records are now organized and I can pull information out very quickly because everything is in alphabetical order and so is my historic file. Anyway, we are on track, and I can already see results. Thanks Brad! All our cards have been surgically removed, and the one card we decided to keep was Capital One (at 10.99% interest) is frozen solid in an old mandarin orange can we found. Good idea so that we don’t microwave it to defrost quickly. We have also saved $1000 just for allowing us to feel some semblance of security. We are learning a lot Brad and we are only on our third lesson. I look forward to learning more. I am especially looking forward to the tax deductible aspects of our financial fitness to go along with our new found accelerator. I have never been able to gain good deductions in the adjusted gross income portion of the tax forms as you may have noticed in my first submission of our financial; statement worksheet. I also look forward to sharing the new found information with all four of my sons so that they can be debt free too. Okay that is it for now, Talk to you on Thursday. Bernie ********************************************************************************* Feb 3, 2010 Hi Brad, Since working with you, I have learned the importance of having a plan and a mechanism for tracking. The difference of not having this is like sailing a boat across the ocean without any aids but your perspective from the boat itself. Being able to track is like having a compass, a map, and even perspectives from outside the boat giving a person a much better perspective of where they truly are at any moment in time. The greatest thing I have relearned is; the importance of daily diligence to the menial tasks keeps you on the track. I have accomplished quite a bit so far but it has only come one day at a time. My daily spending log has shown me how my sneaking a meal here and there was killing my cash flow. I am adjusting my habits and already have saved a bunch. You have to get tough and serious about making changes now so you can have a great future!!! By following your debt payoff plan I should have all my debts paid off 18 years and 10 months earlier than I was previously scheduled to do! And if I took the $4133 and invested that for 18 years and 10 months this would give me a balance of $934,058 after the 18 years. This will provide me more than enough to meet my need of $6500 a month to live after retirement. I have such a great start in changing the way I have been living which should bring some great differences in outcomes with my financial balances and the life that I have in store ahead of me. Thank you so much! Chuck Brueske ********************************************************************************* Jan 5, 2010 Brad, To this point the one thing I have learned that has been of most significance is how to prioritize debt payoff. This will allow me to speed up my goal for retirement. At my current pace I will be completely debt free nearly 6 years earlier from what I had scheduled prior to starting this program. Thanks for everything! Gary Dobler ********************************************************************************* Jan 5, 2010 Brad, Probably the most important thing I’ve learned is how carefully I need to watch every dollar I spend and be brutally honest with myself about expenditures. I am a compulsive spender, especially when I feel down…which is too much of the time. I thought I was pretty good about tracking expenses, but have realized I was not and it is a very humbling experience to go through to accept the realization of my situation. After reading about others’ spending deficits, it has been encouraging to learn that I am not the only one with these problems and they can be corrected. I have learned that I need to wait and think about the purchase of items I think I need, which are more ‘wants’ than needs, to walk away and think about the purchase for at least 3 days. Now that I understand the debt payoff worksheet and have seen the time frame in which my debts can be paid off – approximately 6 years, I think about that on a daily basis…and am able to better focus in on accumulating my acceleration fund, how I can add more to it and be much more diligent about controlling my expenditures. I’ve learned how corporations work, benefits of having one, the importance of a living trust, and proper asset management. I didn’t know as much about my insurance coverage as I thought I did – so your information has been very helpful in getting the details. Thank you for everything! Ibe Hatch ********************************************************************************* Jan 3, 2010 Dear Brad, Over this past month, I have been digesting all that I have learned from you. You have taught us so much in a short period of time. Each week was packed with financial truths that the general public is most likely uneducated in. The gems we learned from you are and will masterfully shape our future. You shaped a financial plan for us and gave us direction and vision for our future. I was additionally inspired by the book “Secrets of the Millionaire Mind” by T. Harv Eker and Mike Dillards book “Attraction Marketing.” The insight we acquired from you and these books have empowered Mark and I astonishingly so. Mark and I are both day traders in the currency market. We went from trading at 30% per month to 80% per month and 187% year on end. Our confidence has changed and we are now attracting financial abundance with a clear plan for debt payoff and investing north bound. Thank you for this enormous gift to us. The program and you, personally, are a gift. Thank-you! Thank-you! Jesse & Mark Conely ********************************************************************************* Sep 21, 2010 Hi Brad: Ever since we have come upon this very difficult financial crisis we were aware of the enormity of the problem. Since we started this coaching experience we put our facts and figures down on paper. We had been doing this for a while but not analyzing it as per the spread sheet supplied by you. This was a real eye opener when we added the analysis of our income and compared it to our expenses. This enabled us to focus on trying to find a solution to this situation. We realized that with the amount of income that we have we could never accelerate the payment of the debts. Quite a while ago we eliminated personal expenses we could do without. We thought we were down to the bare bones. Since working with you we have been able to eliminate out of pocket expenses of approximately $1,000.00 per month. We have learned a lot to date and now we see the light at the end of the tunnel. We know that with hard work, determination and your coaching we will be able to exit into the day light. Gigi and Murray ********************************************************************************* May 5, 2010 Hi Brad, The insurance information couldn’t have come at a better time and we will be using that info as soon as Suzi’s ankle settlement is completed. I am gaining back confidence and motivation that had been lost over time. We both feel like our lives are moving in the proper direction again and we are going to have fun with the journey. Looking forward to Thursday……Ned & Suzi
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Brad,
Since starting our personal coaching with you, we have:
1. Learned we can get out of debt. I’ve always tracked everything but have not had the tools to create a roadmap to get out of the debt I’m in.
2. I’ve accomplished peace of mind knowing it’s out there for us to achieve. Still working on the courage to pull the trigger and use all the savings to hammer down the debt.
3. By following the accelerated debt elimination model, in the worst case scenario we will be debt free in 144.5 months. 12 years. This means we will be debt free in April 2022 / without further accelerating with the use of our funds that are currently in savings, as you have encouraged us to do.
a. By accelerating with the use of our savings we will be debt free in only128 months. 10.70 years. October 2020.
b. Accelerating with savings w/o large student loan – 64.97 months. 5.41 years. July 2015.
c. Don’t know how many years this saves us… just about a lifetime since we were not on track to pay off…
d. We are currently paying 909.35 in interest per month (without our student loan figured in). Based on this, interest saved in 5.4 years = $59,057. Interest saved in 10.7 years = $116,924.22
e. If we then invest the money we are currently wasting on debt for the same time we would otherwise just be paying off our debts, we could potentially build an additional retirement of at least a couple hundred thousand dollars.
4. I’m guessing if we could develop a retirement cash flow of $5,000/month with no debt, we would be happy with retirement. $10,000 would be 2x as happy.
Thanks for all of your guidance!
Brad and Sonja LaGarce
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Brad,
If I follow the plan you have outlined, I will be totally debt free 15 years faster than if I just kept sending the monthly mortgage payments in for the next 25+ years. When I replace the client that went out of business earlier this year, I will be able to accelerate my debt payments even more.
It has been really eye-opening for me to really sit down & look at my financial situation rather than just paying bills and watching my credit card balances creep up every month. Paying cash instead of whipping out plastic has really made me slow down & think about what I am buying.
I’ve also gone back to setting aside 20% of every customer deposit to save for quarterly taxes so I don’t have to scramble when they are due.
Once again, I feel in control. I can do this myself without just hoping that the people that owe me money will actually re-pay me so that I can get out of debt.
Talk with you soon,
Susan
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Jun 9, 2010
Aloha Brad,
Since working with you I have learned I need to stop impulse buying and not to let commercials influence me as to how I should spend my money. Believe me, I have been there and done that.
I found that I need to watch how I used my cash and where I am spending it. I found out that by evaluating my net income, my fixed bills, and my cash spending, I can make an adjustments to my net income and find extra money to accelerate my debt payments. By using your Debt Acceleration Model I will be out of debt 11 years earlier. There is hope in my old age.
I feel angry at myself for all these wasted years. I wish I had know this soon
instead of later.
Karie Garrigan
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Jan 18, 2010
Hi Brad,
As a result of your coaching, we are now much more aware of our spending habits. It’s actually frightening so see how much is spent on little things that actually add up to a significant amount. Also, how we can curb our spending and how we can cut expenses. Even though it’s tough to swallow, it’s great to know where we are at all times with our finances and having a plan as to how we are going to tackle our debt.
This has helped cut back on our spending. We have made logical and easy modifications to our household expenses to help save money to apply to our debt. No charging on credit cards!!! Yes, we cut up all but one card and that one is frozen in a can in the freezer. Just having a plan for our future is a great accomplishment!
According to the report, we will be debt free 15 years earlier than we were previously on track to be and we will be saving … A LOT of interest!
KK
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Aug 3, 2010
Brad is sharp, direct, and is truly committed to helping you make more money and keep more of what you earn. Money leaks will be stopped.
You will be more confident in all financial decisions. His no-nonsense approach helps you take charge of your finances. I even fired my financial advisor! If you are serious about your financial freedom, join this coaching program now!
Blessings,
Miluna
Dr. Miluna Fausch, Ph.D.
“The Voice Healer” – your Voice Coach
for Singers, Actors, Speakers, & Voice Professionals
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Jun 1, 2010
Brad,
This has truly been an eye-opening experience. The spending is almost – well scary. Even though I track it I guess I chose not to realize how much “extra” was being paid out.
The power down debt elimination process is the most significant theory to me. It makes so much sense and it basically so simple and I can’t wait to see the debt just disappear.
It is not going to be an easy transition – especially for me and even for the kids. ”If you don’t have the cash – you can’t buy the item” will take some real hard discipline. But as you have said – it will truly be worth it in the long run!!!
Diane
Gary,Diane,Nicole&Michelle
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Jan 28, 2010 Brad, Since working with you; Carol and I both have learned things about ourselves and our spending habits, personal finances (retirement, interest rates, credit) and how it all works both for and against us. We didn’t realize how much was going to be coming at us and how fast. It truly has been like taking a drink out of a fire hydrant. We have been better at keeping track of what is spent on what bill and we are making progress at paying off our debt and not creating new debt (increasing net worth). Now we are spending time together on our finances, not just one of us. Your services are appreciated! Robert “Craig” & Carol Pople |
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Nov 29, 2010
Brad,
John and I have benefited most from the organization of your system and the accountability. We have talked about creating a savings plan in the past but have not been organized about it. This plan has put us on track with something that we both feel we can commit to.
Thank you,
JoAnn Austin
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Dec 22, 2009
Dear Brad,
I’m writing to thank you for the useful, insightful and productive coaching sessions you provided for me.
There were many new lessons I learned through our sessions i.e. making me aware of the importance of shopping for Insurance. Decreasing the amount of interest I pay by using my funds to cover cost of services, without fear and apprehension. Keeping a close watch on my expenses by keeping a written record of all. And reducing my debt.
The reading recommendations you made proved to be of a high caliber and most useful. The One Minute Millionaire was extremely empowering. It made me feel that I could achieve wealth.
I felt comfortable with you and developed a sense of security. I felt empowered.
Thank you for all your help and teaching. I wish you a MERRY CHRISTMAS AND A PROSPEROUS NEW YEAR.
Mima Sanchez Parsons
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May 19, 2010
Hi Brad,
I feel excited about this program. I have only wish that we had discovered it years ago, but you can’t go back. We have made great steps in reducing our monthly expenses. I can see where a lot of our money has gone, unnecessarily. I will definitely be more diligent in controlling future expenditures. Now we need to work on building the assets, starting with producing more income streams.
Thank you for your counseling and patience. I feel with your help we have started a good foundation for our future.
Ellen Berry
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May 19, 2010
Brad,
Because of your coaching:
1. We can be in control of our own finances…and we don’t have to fall into the same traps as we used to. For example, we feel confident we can all of our debts paid off by not paying the monthly minimum and a 30 year mortgages doesn’t have to be 30 years.
2. We are more aware of our spending, and we now have a plan.
3. According to my calculations, we will officially be debt free in August, 2020.
Julia Magnan
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