See what REAL students are saying...

The moment it all came crashing down.

On one particularly frigid winter evening in early 2004, it all just fantastically imploded. 

I remember standing at my kitchen counter at about 6pm with this sinking pit in my stomach. I logged into my online checking account and… was absolutely wrecked as I locked my eyes on my pitifully anemic bank balance.

Somehow I was shocked to learn that there were only a few hundred dollars left in my account.

So, immediate panic began to set in. I knew I was in BIG trouble.

I so vividly remember that moment standing at my kitchen counter behind my laptop screen, grinding my teeth, thinking to myself, “how did I let this happen” and, “what am I going to do?”

My mind started racing toward thoughts like, “I’m going to lose my condo”, “I’m going to lose my car”, I’m going to lose everything and be forced to live on the street!” 

My worry about money was now a REAL and full-blown personal economic crisis.

And it was at that very moment, that precise and transformational 

knife edge moment in time, I knew it was

ALL going to have to change.

I knew it wasn’t possible to keep living this way.

From that moment I knew I was going to have to do something radical.

And this is a change that, more than likely you've been faced with, too...

And I know I'm not alone in this. In fact, I know you've probably lived some version of this same story...

Let me ask you if any of these sound familiar?

• You constantly worry about money.

• You’ve suffered under the weight of living paycheck to paycheck but have never been able to pull yourself out of it.

• You can't pay all your bills (more month than money).

• You’ve tried to start and live on a budget, track expenses and essentially “white knuckle” your way toward saving money, paying off debt or even investing.

• You’ve been through Dave Ramsey’s “Financial Peace University” (FPU), watched a hundred YouTube “budget with me” videos and maybe even taken other online budgeting courses, but have never been able to get the traction you want.

• Perhaps you make pretty good money, but you just don't feel like you have any control over it.

   

Maybe you’re even a little disgusted with yourself for all the time and money you’ve spent trying to get on a budget.

And you may keep asking yourself, "what am I missing? Why can I not

seem to get on and stay on a healthy, sustainable budget?"

What I’ve found is that there is actually

a solution to all of this.

And the good news is that it’s really not all that complicated...

In fact, over the past 10 years I’ve been working with over 1000 of my private coaching students, helping them get their finances into shape, get organized, get on a budget, get out of debt, set up an investment strategy that ultimately moves them toward financial independence.

But the question is, even IF you're super motivated to do something about your situation, how long would it take you to put all of these elements together into a cohesive, workable strategy by yourself.

A week? A month? Six months?

How much time, effort, energy and brain resources would it take for you to assemble your own system?

And, how much "trial and error" would you need to do until you knew it was "right".

AND the tougher question is, would you actually do it?

What I found was that if my student’s “why” was big enough and they

were really serious about making progress with their money,

all they needed was:

1) A solid system to follow.

2) Some skill building and coaching in key areas. 

3) Accountability, encouragement and community to help keep them on track and to celebrate every single time they made even the smallest win.

That’s it. It’s really that simple. 

But you know what the biggest problem for most people is?

If you guessed, not having a big enough “why” and not getting serious enough about their situation to plug into a system, build some skills and get some coaching and/or community, you guessed right!

AND I remember how I felt that day staring into the abyss of an almost empty bank account. 

I will NEVER forget that day for the rest of my life!

It was THE turning point in my life.

I NEVER wanted to feel like that again.

It started me down a path that saw me obliterate that $174,000 in just 2.5 years, AND...

Even better, saw my net worth go from a negative $174,000 to almost $700,000 in under 10 years!

I uncovered a turnkey process that completely changed my life AND I was determined to share with as many people as possible.

Why?

Because, I NEVER want you to feel the desperation I felt again, either.

AND I know there's a clear cut path out of it...

That's why I've taken a decade worth of knowledge, pain, success, frustration and experience and distilled it down into a simple and repeatable system.

So that's precisely why I’m excited to introduce...

The 5 Days To A Bulletproof Budget - Digital Course

How To Never Worry About Money Again

An end-to-end, turn key, proven system that confidently takes you from your current relationship with money and transforms it to one of high organization, granular detail, and most of all...

FINANCIAL CONFIDENCE!!

I’ve distilled everything I’ve been teaching my private coaching students over the past 10 years into an easy to follow, step-by-step, no-overwhelm system I call 5 Days To A Bulletproof Budget: How To Never Worry About Money Again!

This is the only comprehensive budgeting system that will help you absolutely crush your personal financial goals without having to try and “figure it out” on your own AND in far less time than it would take for you to “DIY”.

In this course, I’m going to lay out the pathway to your ultimate freedom from financial worry once and for all!

And I’ll do it using my proven 5 day framework that will help you to: define your goals, organize your money, plan your cash flow, track your expenses and most importantly help you to make it a transformative and lifelong skill. 

You'll also have a place inside the course to share in your wins, share your challenges and to help you explode your results faster than you ever thought possible.

The 5 Days To A Bulletproof Budget Is...

A living, breathing and interactive "how-to" guide that will help you master this fundamental life skill of budgeting. And it’s all meticulously curated and conveniently housed under one roof, so you won’t have to go searching YouTube, Google and Instagram for your next set of “tips and tricks”.

There are 9 “core" modules housing 22 video lessons with downloadable worksheets, checklists, pdfs, transcripts and audio files designed to initiate and buttress your budgeting prowess.

In fact, most of our students are able to save at least $1000-$2000 in the first 30 days and either save or pay off an additional $3000-$6000 in debt in the first 90 days.

Overall, the initial part of the course will outline all of the “Why, What and How-To” of budgeting as a lifelong and ultimately wealth-building skill.

AND, you’ll be ingesting all of this inside a warm, supportive and highly motivated community of fellow students inside the comments section of each lesson.

And here you’ll be encouraged to share your wins as well as your challenges as you move ever closer to your status as a budgeting ninja.

After all, this process of learning how to budget is MUCH more than learning how to effectively manage numbers on a page. It's really an endeavor in personal development, mindset growth, relational growth and overall life improvement.

"The Absolute Best Budgeting

Course On The Internet"

What You Get:

Access to a PROVEN budgeting system that has helped thousands:

• Define their personal financial goals and their "why".
• Develop the proper "growth mindset" required to become a successful budgeter.
• Eliminate the "overwhelm" that always accompanies building the budgeting skillset.
• Organize their finances in a way that minimizes worry.
• Plan their cashflows in a way that gives them 100% confidence in their financial future.
• Track expenses to 100% accuracy using proven tools and methodologies.
• Have a continuation plan that makes budgeting a lifelong skill so that they can move on to their more aspirational financial goals like debt-elimination, investing and financial independence.

You'll Also Get:

Access to a REAL and experienced financial coach, who:

• Paid off $174,000 of debt in 2½ years.
• Built a net worth of over $700,000 in under 10 years AND
• Has successfully coached thousands of students toward the same results.

Course Roadmap: A Peek Inside

Watch this video where I go through the entire transformational table of contents 

to give you an idea of the content and flow of the course.

Our budgeting students are immediately

(and conservatively) able to:

• Save/find/cut AT LEAST $1000-$2000 in the first 30 days

   

• Save/find/cut AT LEAST an additional $1000-$2000 in the first 60 days

• Pay off/save/invest anywhere from AT LEAST $5000-$6000 in debt within the first 90 days AND

• Internalize a solid system and process that will change the trajectory of their financial lives forever.

So, for most of our budgeting students this material EASILY reaches a value of $5000-$10,000 in value within their first 90 days of engagement. 

Not bad, right?

But before you read below, just stop for a second and ask yourself:

“What would it be worth for me to be able to save AT LEAST $1000-$2000 in the first 30 days and pay off (or save/invest) anywhere from AT LEAST $5000-$6000 in debt within the first 90 days?"

And What Would You Expect To Pay For

Something Like This?

Let's make some comparisons:

Private 1:1 financial coaching typically costs:

Anywhere from $150/hr to upwards of $500/hr.

It can be totally worth it, but the cost may be hard to justify unless you know you'll get results.  Even then... ouch!!

Session-based group financial coaching typically costs:

Anywhere from $250-$1000+/mo.

And group coaching can get you HUGE gains, but you always have to weigh:

Who else is in the group and how motivated are they to get results?

How much 1:1 focus on your particular situation will you get?

What will be the type and accessibility of the material you're covering once the coaching has ended?

Online personal finance education courses usually cost:

Anywhere from $100-$1000 for a course AND they normally have very little granularity about the actual budgeting process.

I personally think you should take a few of these until you find one that's the right fit but ultimately, you're I believe you're going to benefit more from having a dedicated budgeting guide that will guide you through ALL of the proper pieces in a "made-for-you" and "step-by-step" fashion.

Which leads me to my next point...

What about Dave Ramsey’s FPU (Ramsey+), or similar PF programs?

Have you gone through FPU or something similar?

If so, you've got a lot in common with most of our students, about 80% of them in fact.

DR's program is great and PART of what I used in my own process to pay off $174k of debt in 2.5 years.

BUT, many of our students have been through it 1... 2... 3 or more times and still struggle with budgeting... Why?

Because as good as it is, it's just not enough... Enough detail, enough granularity, enough skill building, accountability, encouragement...

5 Days To A Bulletproof Budget will be great for you EVEN IF you're enrolled in DR's program because it will "next level" all the skills and principles you're already learning, most especially the budgeting stuff...

As great as their program is (and I do think it's great), most of our students need MUCH more granularity and skill building in the confusing art and science of budgeting.

AND What About The Cost Of Doing Nothing?

Have you counted the cost of what doing nothing would be?

Have you tried to calculate what all of this worry and disorganization is ACTUALLY costing you?

Let's review some likely scenarios you might be facing:

• You've languished in your "worried mind" for years and can't seem to get it all together with budgeting.

• You’ve suffered under the weight of living paycheck to paycheck but have never been able to pull yourself out of it.

• You can't pay all your bills (more month than money).

• You’ve tried to start and live on a budget, track expenses and essentially “white knuckle” your way toward saving money, paying off debt or even investing.

• You’ve been through Dave Ramsey’s “Financial Peace University” (FPU), watched a hundred YouTube “how to budget” videos and maybe even taken other online personal finance courses, but have never been able to get the traction you want.

• Perhaps you make pretty good money, but you just don't feel like you have anything to show for it.

And while it may be difficult to put an exact dollar amount on this, it's not hard to count the cost in terms of: anxiety, stress, depression, feelings of helplessness, relationship problems, being stuck in a career you hate because you've "gotta pay the bills".

Only you can populate that list, but I know that it's probably a long one, just like mine was...

But here's the real question...

Don't forget: this is completely risk free.

60-Day Money-Back Guarantee

Bonus 1 - One Month+ Ahead: The $1k Savings Challenge

($200 value)  

• The blueprint for saving, earning and/or cutting your way to an extra $1k every month.
• My personal 4 step strategy that will help you get your next $1k for saving, debt-payoff or investing.
• My proven method for constantly generating fresh ideas and obliterating inertia.
• The best repeatable process for getting your next $1k in the door.

Bonus 2 - 8 Steps To Erase Debt (And Accelerate Toward FI)

($200 value)

• The "teeth" of our overall financial plan for students.
• How to create an easy system to level-set your finances and track debt elimination and savings rate.
• A simple, powerful set of conversational guides for navigating "it's not in the budget right now" conversation.
• A surprising way to shorten the distance between you and your next financial goal by 50% or more.

Bonus 3 - My 10 Minute Daily Personal Finance Routine

($200 value)  

• The exact processes and tools I use for my daily financial check in.
• An outline of what I do in just 10 minutes or less every day to keep our finances on track.
• This process buttressed my budgeting chops AND helped us build an over $700k net worth in under 10 years.

Bonus 4 - Side Hustle(s) You Should Start

($200 value) 

• Outlines the two kinds of side hustles and which one is right for the posture you're in right now.
• Gives you a roadmap and specific resources to help you find the side hustles that will give you the most leverage.
• Also serves as a guide to help you avoid the scammy side hustles.
• Helps you set and keep proper boundaries around your side hustle to avoid burnout.

Bonus 5 - The ZeroDebt-2-FI Success Path

($200 value)   

• How to 100% guarantee that you won't fail financially.
• The "ZeroDebt+ Success Path” Checklist: The secret sauce to getting started solidly and ensuring complete success.
• How to obliterate sneaky mental barriers that keep most students from reaching the finish line.
• A simple (and overlooked) strategy for gauging where you currently are and exactly how to reach the next rung.

SPECIAL BONUS - 

 One Month FREE Access To My

ZeroDebt+ Coaching Community

($47/mo or $450/yr value) 

The "Gold" & "Platinum" bundles get you INSTANT access to the entire this amazing online coaching community including:

• Monthly masterclass content that drills down on specific personal finance topics (organization, budgeting, investing, financial independence).
• A monthly live coaching call where we deep dive into the masterclass and hold a live Q&A.
• Access to a "Facebook-like" (not on Facebook) community portal where you're encouraged to share your wins, share your struggles and ask questions about issues you may be struggling with.

This private coaching community is packed with all the content, community, encouragement and accountability you'll need to move from "theory" into "practice" and become the master of your personal finances forever!

And so, you’ve reached the point of decision.

You can either continue down the path of least resistance, the path you have already been traveling, or you can choose the road less traveled. 

The path of least resistance will probably result in you getting the same outcomes you’ve always received and the same dissatisfaction you’ve always experienced.

But if you want something different to happen, if you want to change the direction of your finances and your life, you’re going to have to do something different. 

Obviously, my encouragement is for you to make a new choice, and pursue your new outcome.

Let’s look at what your life could look like in the near future if you DO join this course:

Just think about how different things could be in: 1 month, 3 months, 6 months, 1 year, 5 years…

Can you imagine what it would it feel like to:

NOT have your mind completely occupied with financial worry?

Be 1 month, 6 months, one year or more ahead on your bills?

Be soundly in control of your financial life, no more considering thinks like: bankruptcy, debt-consolidation or just throwing your hands up financial surrender?

Have $10-$20k or more as an emergency fund?

Either debt-free or solidly on your way to it?

Have your friends say things like: “Man, you seem so much more relaxed/kind/generous".

Conversely, let’s look at what your life will probably look like if you DON’T join this course:

Basically, the same thing you’ve got right now and maybe worse if you don't take action now.

More years of “more month” left at the end of the money.

I mean, does this sound ridiculous? Am I completely off base?

If you’re feeling doubtful about making a decision, then go ahead and join for 60 days, it's totally risk free.

This course is NOT for you if…

• You're just not quite sick and tired of being sick and tired or are just "sort of" ready to get out of debt. This process will definitely require you to be "all in".
• You're expecting that you'll "magically" correct your finances and get on a budget by using this course as your "easy button".
• You expect results without putting in the effort. You have to be passionate about changing your financial habits and your life and willing to put in the time and follow the steps.

This course is for you if...

• You're DONE with worrying about money, at least in the way you're worried about it right now.
• You’re sick and tired of being sick and tired of the miserable status quo in your financial life.
• You desperately want to get out of the paycheck to paycheck cycle and on to bigger and better financial goals.
• You’re tired of constant problems with money that never seem to go away, no matter how hard you try.
• You’re tired of the scammy, "tips & tricks" you see on social media and other web sites and the unattainable promises they make.
• You’re willing to put in the work if it’s bite-sized, step-by-step and fits your ultimate financial goals.

You don’t want to waste hundreds of dollars (or worse, go into debt) for a personal finance/debt elimination program OR for financial coaching just to see it potentially fail.

Our budgeting students are immediately

(and conservatively) able to:

• Save/find/cut AT LEAST $1000-$2000 in the first 30 days

   

• Save/find/cut AT LEAST an additional $1000-$2000 in the first 60 days

• Pay off/save/invest anywhere from AT LEAST $5000-$6000 in debt within the first 90 days AND

• Internalize a solid system and process that will change the trajectory of their financial lives forever.

So, for most of our budgeting students this material EASILY reaches a value of $5000-$10,000 in value within their first 90 days of engagement. 

Not bad, right?

But before you read below, just stop for a second and ask yourself:

“What would it be worth for me to be able to save AT LEAST $1000-$2000 in the first 30 days and pay off (or save/invest) anywhere from AT LEAST $5000-$6000 in debt within the first 90 days?"