The Complete SYSTEM to Eliminate ALL Your Debts and Explode Your Retirement Wealth - Using the Same Dollars at the Same Time!

You get it all, for one low monthly tuition, in our
SMART Wealth University!

SMART Wealth University

There are TOO MANY financial success strategies in this unique training/coaching system to put them all on one page, see details of a course or tool in the SMART Wealth University, click the "View Detail" button under the course/tool image below.

$697 | INCLUDED in monthly tuition

SMART Wealth System Course

This is our flagship personal finance course. There's too much content for us to describe it here. Just click the "VIEW DETAIL" button below.

$1,000 | INCLUDED in monthly tuition

SMART Wealth Online Classroom 

We don't just dump a bunch of videos on you and wish you luck. We do a LIVE monthly training webinar just for subscribers, where we teach, we coach, and we answer your questions.

$389 | INCLUDED in monthly tuition

Debt Free Millionaire Coaching System

Right now, you could be LOSING as much as $50 a day (maybe even more) to interest payments. The Debt-FREE Millionaire Coaching System can save the average family $100,000 to $150,000 in interest or more, in an average of about 8 years. That's about $34 to $51 a day in savings.

$9.87/mo | INCLUDED in monthly tuition

Cash Flow Dashboard

This powerful online software will track every penny of your finances, and help you execute your debt-elimination and wealth-building plan. It's literally a "Set it and forget it" system.

$59 | INCLUDED in monthly tuition

Banker's Secret Course

You’ll see why a PFB is your best hope to safely and dependably build retirement wealth. And you'll learn how to Think Like a Banker, Finance Yourself, Finance Your Family, Finance Your (or someone else's) Business, and Retire Like a Banker.

$2,000+ in powerful financial courses and tools

for ONLY $47 a month!

And you can cancel at any time

Your instructors: 

John Cummuta is author of: 

  • Transforming Debt into Wealth® system 
  • The Banker’s Secret to Permanent Family Wealth™ 
  • The Debt-FREE & Prosperous Living® Basic Course
  • Are You Being Seduced into Debt? 
  • Wealth Machine: How to Start, Build, and Market a Debt-Free Business
  • The Power of Perpetual Income 
  • The Wealth Generator System™
  • Debt-Elimination 101 
  • The Customer-Focused Direct Marketing book 
  • The SMART Marketing System 
  • The Sales Machine™ database marketing system 
  • He’s co-developer of the DebtFree™ for Windows® debt-elimination software.
  • He's a 3-time Inc. 500 CEO
  • He has taught at 13 worldwide Tony Robbins Wealth Mastery events.

Anthony Manganiello is the author of:

  • Great Credit For Life
  • The Debt-Free Millionaire™
  • The Credit Solution
  • DebtFree Academy™
  • The Cash-Flow Analysis™ online debt-elimination/payment management system
  • He's been a personal finance educator and adviser since the early ’90s
  • He began working with John Cummuta in the mid ’90s
  • He is a 3-time Inc 500 Marketing Manager
  • He has appeared on the 700 Club

Bob and Karen May:


"Just wanted to let you know that taking your finance class was one of the best things I have ever done!!!  We had several thousand dollars of credit card debt and Bob bought me a Cadillac SRX for Christmas which gave us a huge debt!!!

"I thank God for your class because with the principles that you thought me we no longer have any credit card debt and by doubling and the piling our car payments we have paid off my car in  one year🎉🎉🎉. I can't tell you what freedom it has given us🎉🎉🎉

"I pray that all who take your class follow your guide and gain the freedom just like we did. I feels AMAZING🎈🎈🎈🎉🎉🎉😇😇😇."

"Thank you again"


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 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. 


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 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. 


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

This Special $47/mo Price Disappears SOON! Act NOW!

No Worries... We have you covered!

We will do everything we can to help you succeed in creating true financial independence.

Monthly live Online Classroom Coaching/
Q&A webinars

We're your instructors and coaches. We're walking this journey WITH you.

Downloadable workbooks, checklists, and other resources

You'll have the important tools for success available to you 24/7/365.

Monthly Payment
Cancel Anytime

If you don't find this course to be everything we say it is, just send us an email and we'll stop your tuition.

Copyright 2017 SMARTEST Wealth Systems, LLC. All Rights Reserved.