Discover How to Pay Off ALL Your Debts...In the Fastest Possible Time...Without Having to Earn any Extra Penny!

Leading Personal Finance Expert Reveals Proven System

From: John Cummuta - Best selling author, 3-time Inc 500 CEO, worldwide seminar leader, 13 Tony Robbins Wealth Mastery Presentations



Re: How to Pay off ALL Your Debts...Get COMPLETELY Debt-Free. Owe No One Anything!

Dear fellow hard-working American,


Did you ever wish someone would reveal a real secret that could honestly change the course of your finances, for the better, for the rest of your life? 


That's exactly what I'm going to do.


You see, I get phone calls and emails weekly from people thanking me for “changing” or “saving” their life through one of my debt-elimination/wealth-building courses or live seminar programs over the past 25 years.


I enjoy the conversation, because it’s a privilege to speak into people’s lives, but I always end it the same way. 


I remind them that THEY are the hero. “I gave you the recipe, but you baked the cake.”


All the knowledge, all the information in the world is useless unless you take action to apply it.




Fast forward to today...right now. 


Are you a hero? 


I believe you are. You work hard, you make decent money and you're responsible with it. Your family has needs, and you do your best. But at the end of the month, there's not enough left to save for the future.

In fact, as you check your bank statement, you see that a third or more of your after-tax income went to debt cards, car loans, student loans, mortgage payments. It seems like an uphill struggle, against the wind, in the snow, with an NFL lineman on your back. 


I remember saying to my wife Lois, "I make good money! Where is it? How come it's not piling up somewhere?" 

Have you felt that frustration?


Have you wondered...

  • Is it hopeless? 
  • Is there nothing to do but work until I die? 
  • Is this "just the way it is"?  
  • Do you wish there was some "superpower" that would give you an advantage?


If you answered "yes" to any of these questions, I have some news for you... 


It's not hopeless, it's not your fault...and there IS a superpower you can use! 


I'll explain why it's not your fault in a bit, but let's start with the superpower.


It's called Reversing Compound Interest.

It IS Possible to Live Your Life, Pay Off Your Debts,
AND Reach True Financial Independence

And I reveal exactly how in my popular e-book, DebtFree Life.


You can get the e-book immediately - for just $15 - with a money-back guarantee.


The MONTHLY interest on your debt payments is around 50%. That's right. Around HALF, often more, of your total monthly debt payment dollars are going to INTEREST. The problem is that regular middle class Americans rarely hear about this.


Why not?


Frankly, because the banking industry, the most powerful on earth, wants you to go on thinking that - because your highest interest RATE is a 12% credit card, and your car is a "0%" loan (cough, gag, laugh), that you should be paying no more than 12% each month.


But there's a HUGE difference between interest rate and interest volume (actual dollars).




  • If you had no credit card payments, no car payments, no student loan payments, no mortgage payment.
  • AND you could predictably build a sound and secure future. 
  • Think about how much of your money cash flow goes to debt payments. Imagine keeping all that money EVERY MONTH! 

So how, exactly, can you do all this?


The answers are in this book.


You'll Learn:

  • Exactly how much better a DebtFree Life would be.

  • Why we're so obsessed with using credit. 

  • A completely new money strategy. 

  • How to operate 100% on CASH

  • How to pay off ALL your debts, step-by-step, so you'll know the exact month and year you can be completely debt-free.

  • How to find the monthly money (we call it your "Accelerator Margin") to rapidly pay off your debts.

You Can Do It. You're the Hero.

I'm just your Obi-Wan Kenobi. Your coach. Your guide.


(I would've used Yoda as a metophor, but he's wrinkled, has oversized ears, he's green, and he's kind of a cute sort of way.)


"Nothing but love I have for you, Yoda."


OK, before we work on your light saber moves, let's focus back on your money.

I actually retired myself, in 2009. 


But when I kept thinking about the millions of good, hard-working people stuck on a steep financial treadmill operated by the banking system...


And when the 2008 crash reminded me how dangerous stock-market-based retirement vehicles have been since 2000, I couldn't sit by my pool without telling you about this little-known financial solution.  

If you know a building's on fire, you lead people to where it's safe. 


People like...


I want to say thank you to you for introducing me to this invaluable information that has altered the course of my life from one of excessive debt and stress to one of peace of mind and confidence to know that I can take control of my financial situation at any time utilizing the strategies taught by you.” 


Marvin W. 

Thank you so much for your program. My wife and I have eliminated over $80,000.00 in personal debt in just under a year. It has been the most satisfying journey of our entire lives. 


We are now 100% debt free with the exception of the new home that we are building. We will be paying off our brand new $350,000.00 home with your accelerated program in around 4 years and 2 months. 


David and Beth K


For anyone who is striving for financial security and for work being optional in the future, I absolutely trust John Cummuta’s advice, and recommend this program most highly. 


Lori S. Port Saint Lucie, FL



I have read lots of different financial books that never were able to offer me anything tangible and concrete to work with. I then came across an email that discussed your plan. I was instantly a believer as you gave me hope (what a gift). We started the plan with $262,000 in personal debt. I happy to report that through June we have paid off 2 out of our 12 debts and have reduced our load by almost $15,000. 

By the end of the year, we will be $40,000 lighter! I am even more excited to report that our path indicates 4 more debts will be paid [next year]. I don't have to worry about not following the plan as it is a plan that works and that in itself drives its success.


Brenda D., CPA


I had to change my retirement strategy because what I was doing was not working. The standard 401(k) wasn't working. I was saving, but I wasn't getting out of debt. I lost a lot of money in 2008 and credit card debt increased substantially. I wish I had done this when I was younger. 


Dave K., Allison Park, PA 

I was a Financial Planner years ago. I used a similar strategy to help people free up cash in order to afford my products. It worked for them. I knew it would work for me too. My problem was that I needed motivation and insight. You provided the insight when you talked about the merchants and the advertisers and the lenders. It was as if my eyes were opened for the very first time.


Andrew K.


My wife Lynn and I have been following your plan for 1 year this month. This morning I wrote a check to the credit card company for $613.00. We are now credit card free. In the first 12 months working your plan, we’ve paid off $21,000 dollars (2 credit cards and my truck). One car and our house left to payoff and we have no intention of stopping. Thank you for all that you do. 


Greg W.


Thank you for your advice and your help with our savings plan. Many of my co-workers were concerned all day about the [stock market] plunge of today and I was able to relax. Thank you again!


Andrew B., Fresno, CA

Just wanted to give you a big thank you for your program. I just bought my wife her Christmas presents. I had set for myself what had seemed an impossible goal when I got your program: Be credit card debt free and cash based so that I could pay for Christmas without using credit. 


All debts with the exception of Mortgage and Home Equity loan paid off to zero. Mission Accomplished!


Scott S.

Greetings from beautiful North Carolina. I am a 29 yr old seminary student with a wife and baby son. You have been a catalyst in my life for future ministry. So much of your teachings are so applicable to the people of God. In future ministry of counseling, teaching, and preaching, your books and tapes will be a priceless purchase that I will recommend wholeheartedly. Thank you so much.


William H.

Why It's Just $15...

I'm only charging $15 for this e-book...and not giving it away...for 4 reasons:

  • I want to make it accessable to as many people as I can. 
  • The information in the book could easily make tens of thousands of dollars difference in your life, maybe a lot more, so to devalue it by giving it away would make it less believable.
  • People read what they pay for, and file what's free.
  • Frankly, if you're not at least $15 worth of serious about revolutionizing your finances, it would be a waste of both our time to talk, so the $15 price is a "tire-kicker" filter.




Yep. My contact info is in the book, so I'm ready to work with you. Not something most best-selling authors are willing to do.


That said, I'm looking to work with people who really want to help themselves. People who will take what I teach them and act on it. 


You don't have to have a certain amount of money or be financially sophisticated. It's more about your attitude and sincere desire to change your financial future.


Like the Marines, I'm looking for a few good men and women who understand what commitment means. People who will invest their time, energy, and resources into achieving financial freedom. People who won't just think about doing it, or give it a try.  


I'm looking for people who will do it!

My "You'll Love It" Guarantee

This is real simple.


If you don't LOVE this book, and the amazing system it reveals to you, just send me an email, and I'll refund your $15.


You won't even have to talk to a human...and you can keep the e-book.

A recent Employee Benefits Research Institute study shows that 92% of

Americans are NOT on a track to EVER be able to completely stop working and

enjoy anything like they're current lifestyle. 


92%! That's probably you and everyone you know.

You NEED the System This Book Reveals

Yes, you do need it, but I'm not going to jump into a hypey rant about how this is a "Limited Time" or "Limited Quantity" offer, to scare you into clicking the button. 


I may increase the price in the future, but it wouldn't be by that much. And "Limited Quantity"? It's an e-book for heaven's sake.


If you're not convinced by now that you need a new plan, that this could be it, and that this guy John sounds like he knows what he's talking about...I invite you to close this browser window and return to the kitten videos on Facebook.


I know that may sound a bit "SmartA$$y," but I'm really just trying to save you the aggravation of dealing with me any further. I sincerely want this to be a great day for you, and if my offer can't contribute to that outcome, please move on to something that will.


On the other hand, if you do want to learn how to enjoy a DebtFree Life, here's a good place to click...