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Ross Jardine - Debt to Wealth: Convert your Debts into Predictable Tax-Free Income

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Convert your debt payments into a predictable stream of tax-free income with the powerful strategies shared in this new book by Americas Money Mentor Ross W. Jardine and his son Parker Jardine. Their simple strategies will help you payoff all your credit cards, student loans and car loans faster than you ever thought possible and save thousands in interest. They then show you how to put the money you save to work in a powerful strategy that helps your money grow steadily without ever losing a penny in the stock market. Theres no better way to put your saving and retirement on autopilot. Its not a get-rich-quick plan, but get-rich-eventually plan. Stop riding the Wall Street roller coaster and start watching your money grow steadily and predictably. This powerful strategy will serve as a solid foundation for your lifetime of saving and investing. The Authors are pioneers in the investor education industry and have taught hundreds of thousands of people from over 27 countries their proven strategies for making money. They have created financial training for some of the biggest names in the financial world, including CNBC, Investors Business Daily, BusinessWeek and several major brokerage firms including TD Ameritrade and OptionsXpress. In part 1 of Debt to Wealth you learn their simple 7-step process for eliminating your consumer debts using just the money thats currently passing through your hands. They cover every possible strategy for debt elimination to help their readers avoid getting ripped off. Everything from a Do-it-yourself plan to debt services that can lower your monthly payments in half in as little as 30 days. The second part of the book focuses on a proven strategy for saving your newly created monthly cash flow in a powerful vehicle that can provide you with a predictable stream of Tax-Free income to use throughout your life and supplement your retirement. The primary benefit of this strategy is that your account will never go down in value, even if the stock market crashes. Avoid the risk of the stock market for a portion of your savings and always have immediate penalty-free access to your money for major purchases like kids college tuition, cars, boats, vacations and even real estate. This strategy has all the benefits of traditional qualified plans like IRAs and 401ks without all the restrictions and limitations. Start your retirement planning with the end in mind by determining your income needs and then building a plan to provide that income when you reach retirement age. Stop worrying about running out of money or not earning enough on your investments. These tools and strategies help you convert your debts into a predictable tax-free income stream. From the investing novice to the seasoned pro, youll find the concepts of this book easy to follow and implement. See results quickly to build your confidence and motivate you to stay the course. The authors provide a road map for financial security unlike the strategy of hope offered by most traditional advisors. With these strategies in place youll no longer have to worry about how or where to invest your money to get the best returns. You can put your retirement plan on autopilot and sleep well at night knowing that even if the stock market crashes, youre account will continue to grow and never lose a penny. Discover the strategies the wealthy have used for decades to create predictable income streams and leave a lasting legacy for their loved ones at the same time. The best part of this book is that you can do it all yourself. Everything you need to learn and implement these powerful strategies is covered in detail. Nobody takes care of your money like you! Stop trusting others with the most valuable thing you posses outside of your family relationships - your money. Take control of your financial destiny with this game-changing book -- Debt to Wealth - Converting Debt into Predictable Tax-Free Income.

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Debt to Wealth Copyright 2021 by Ross W Jardine and Parker Jardine All rights - photo 1
Debt to Wealth
Copyright 2021 by Ross W. Jardine and Parker Jardine
All rights reserved. Printed in the United States of America. No part of this book may be used or reproduced in any manner whatsoever without written permission except in the case of brief quotations embodied in critical articles or reviews.
For information or to schedule a speaking engagement with the authors, contact:
Pfeifferhorn Press
Ross W. Jardine
Rossjardine.com
Book and cover design by
ISBN: 123456789
First Edition: August 2021
Disclaimer:
All the information contained in this book Debt to Wealth - is published in good faith and for general information purpose only. The Authors do not make any warranties about the completeness, reliability and accuracy of this information. Any action you take upon the information you find on this book is strictly at your own risk. The Authors will not be liable for any losses and/or damages in connection with the use of any information contained in this book. Before making any financial decisions or purchasing any financial products you should consult a licensed financial professional to determine the suitability for your specific situation.
CONTENTS
Many people take no care of their money till they come nearly to the end of it.
--Johann Wolfgang von Goethe
LIKE IT OR NOT , money is a part of life, and a lack of money is a significant source of stress for many Americans. Its been said money cant buy happiness. While that may be technically true, a lack of money to cover your basic needs both now and in retirement can make for a very unhappy, stress-filled life.
Most money problems tend to be self-inflicted. Despite the problems we create for ourselves, Im convinced that everyone would make better choices with their money if they only knew a better way. Money problems are typically the result of a lack of knowledge, not a lack of good intentions.
Most people will have enough money pass through their hands during their lifetime to live comfortably and still be able to save something for retirement, yet more than half of Americans will fall short of their retirement goals. Why? Its typically because of the spending, saving, and investment choices they made during their lifetimes and specifically during their working years. If you make wise choices with how you spend, save, and invest your money, youre likely going to be just fine when it comes time to stop working and send your money to work in retirement.
Over the course of our professional careers, weve had the opportunity to teach and interact with literally tens of thousands of individuals from every walk of life who are trying to manage and figure out their own financial destiny. When you cut away all the clutter, there is a common theme in the lives of those who succeed financially. They learned early in their lives how to avoid debt and funnel a majority of their discretionary money into their savings and retirement plans. In our experience, financial success has more to do with DOING SOMETHING than with the actual investments you make.
You dont have to make a lot of money to end up with enough in retirement to live comfortably. Its all about how you manage your spending decisions and making a commitment to saving some of what you earn in the future. The money you need to build up your retirement account is currently being wasted in the form of credit card, car, and student loan payments. In this book, well share with you the strategies you need to convert all those payments youre making on those credit cards, cars, boats, vacations, and student loans into additional contributions to your retirement plan. Just imagine having an extra $500, $1,000, or $2,000 per month to invest in your future and being completely debt-free.
This miraculous conversion will happen faster than you ever thought possible if you follow the simple plan outlined in the first part of this book. Next, in Part 2 of this book, well show you how to put all those converted debt payments to work to build a stream of tax-free income that will give you confidence that you wont outlive your money no matter what happens in the stock market.
This simple proven strategy has been used for decades by wealthy individuals and families like Walt Disney, JC Penney, and many others. The good news is that you dont have to be wealthy to get the same benefits for yourself. You can start small and build your tax-free income over time. Converting just one or two of your debts will give you enough to get started. This strategy will help you make your money grow consistently over your lifetime (regardless of whats going on in the stock market) so you know exactly how much youll have in retirement.
Our goal in writing this book is to show you a simple way to turn what is typically the biggest obstacle to financial success (Debt) into the solution to your biggest financial challenge (Building Wealth). Given the impact of the COVID-19 virus on the finances of millions of individuals and businesses, the strategies youll learn in this book have never been more important.
We wish there were a magic pill that could solve all of our money problems. Its simply not that easy. Money problems seem to follow most of us like a shadow. The good news is this book is filled with solutions to help you get out of debt fast and start building real wealth for you and your family. Unfortunately, most people wait too long to deal with their money problems. Much like the warning signs of bad health, the longer you wait, the fewer options there are to help you get back on track.
Most people are totally unprepared for retirement because of the choices they made during their working years. Retirement just seems so far away for most people that its easy to procrastinate. Once you reach retirement age, its too late to overcome those poor choices. The clock has run out, and youre stuck with what you were able to save and any gains you earned from your investments. For most Americans, if they have anything at all, its typically not enough to sustain even a simple lifestyle once they stop working. They will either have to continue to work into their retirement years or depend on the government or other family members to get by.
Right now, youre likely separated from your dream of a better life by a huge canyon called debt. You can see that better life on the other sideand youre willing to do anything to get therebut youre standing on the opposite side of the canyon with your toes hanging over the edge, and you cant see any way across. This book can help you get there. It contains the tools and strategies youll need to build the bridge across that canyon. Doing so will take some work and sacrifice. It wont happen tomorrow. There will likely be a few bumps in the road along the way. But the peace, satisfaction, and security will make the hard work worth it.
There is no such thing as a get-rich-quick program. Weve seen them all, and they simply dont work. The formula youll learn in this book is what we like to call the "get-rich-eventually" approach. We might sell more books if we told you these magic strategies will get you out of debt in a year and make you rich in a decade, but it wouldnt be true.
If youve got some personal consumer debt, and youre worried about having enough money in retirement to live the lifestyle of your dreams, this book was written for you. Were going to show you how to make a few simple changes in the way you manage your money to convert that debt into money you can use to build real wealth. Once you make a few simple changes to your money routines youll gain the confidence that youll have all the money you need when you retire.
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