Table of Contents
Additional Praise for
The Debt-FREE Millionaire
Anthony Manganiello tells it like it is! His book will guide you through practical insights that touch home with just about everyone. Follow his direction on taking charge of your financial life and you will become debt free and secure in your golden years.
Tony Pickett
Consumers Alliance Processing Corporation,
a Debt Management Organization
At a time when both the United States and the world itself are facing the worst depression the planet has seen in over 75 years, Mr. Manganiello has created a very timely and powerful self-help tool for cash flow burdened America. His work is more than a mere lifesaver for those who are drowning in debt. It is truly chicken soup for the financially troubled soul.
Lee Newlin
Superior Debt Services, Inc.
This book can secure your financial future. It does not matter at what age you make the decision to become a Debt-FREE Millionaire, these strategies work. The message is that the time to change your life is now because the basic principles apply in good times and in bad times.
Donald Leibsker
Attorney at Law
As a pastor I am always looking for practical tools to help my congregation get disentangled from the deceptive web of debt and become faithful stewards of their finances. Tony not only gives us a reliable compass to navigate this confusing financial world we live in with the Cash-Flow Analysis, but also gives us what should be the standard field manual for anyone considering using a debt-management company. A must read!
Mel Wild
Senior Pastor, Cornerstone Church
To:
My mother, Peggy, who never stopped believing
in me (even when I did). I love you, Ma.
Youre the best!
John and Lois Cummuta, my father-in-law and
mother-in-law. In response to the list of blessings
youve given that is much too long to list and
continues to grow, all I can say is, Thank you.
Pop, there is no better mentor on the planet.
My wife, Stacyann, whose support, love, and
dedication inspire me more than words can
express. You are my Wonder Woman!
My five boys, Dominic, John, Michael, Nico, and
Luciano. You are my greatest joy and blessing on
earth. Your daddy will never be able to love you
enough, but Ill never stop trying.
My Lord and my Savior, Jesus Christ.
My greatest love of all.
Foreword
For nearly two decades Ive had the privilege of helping people all around the world get out of debt and build financial security, and in a time where every other commercial on TV and radio seems to be from someone promising to solve your debt problems, I could number on one hand the people I would trust to help you actually do that. Tony Manganiello would be at the top of that list.
Ive known and worked with Tony for more than a dozen years and Ive watched him grow from someone who understood personal finance and investing to someone who is now one of Americas true authorities on personal credit and debt intervention services. But more than that, Tony understands how people get into the debt trap, how various solutions could help them get out, and (most important) how to determine which solution would work best.
He can look into a persons financial situation like Neo looked into the Matrix, and see the numbers moving around. From that chaos, he can filter the relevant facts and point that person to the optimum solution for his or her reality. This clarity has given thousands of his clients assurance about their current condition and hope for their future.
His understanding of credit law and the capabilities of various debt mitigation services has protected many of those families from choosing the wrong solution for their individual situations, and it has brightened his blip on the debt services industry radar to the point where he is now a respected board member of the United States Organization for Bankruptcy Alternatives, an expert witness at government legislative committee hearings, and a sought-after speaker at national credit and debt-solution conferences.
However, the main reason I would trust Tony is his character. His ethics, morals, and judgment have rung true for all the time Ive known him. Hes not just concerned about the numbers in a persons or a households financial life. Hes principally concerned with their quality of life, and how fixing the numbers could improve that quality.
The most important tool Tony has developed in his years of helping families and individuals is his Cash-FLOW Analysis, a proprietary financial assessment tool. The CFA, as he calls it, is a financial GPS in my mind. If someone were to ask me, How can I find out exactly where I am, financially, and see exactly how to get to where I want to go? I would point that person to the CFA. Like a GPS, the CFA sorts facts from feelings and draws out a course-line through any near-term obstacles to your desired destination. When your instincts might be to take one course but the facts require a different direction, the CFA will show you the right way.
Another purpose Tonys CFA serves is that of a truth serum, and in some cases a lie detector. Its a truth serum in that it takes a persons or a households real income and expense numbers and tells them the truth about where they are financially. Im often amazed at how people can significantly misread their current financial reality, even though theyre the closest to it. The CFA is a lie detector in that it quickly zaps the fairy tales people in deep financial waters often tell themselves to avoid dealing with reality.
But his deep understanding of personal finance math does not adequately define Anthony Manganiello. Hes a husband and father who adores his wife and five young sons. And because he has a family with all its needs, he can relate to the financial challenges you may be facing: challenges that have pushed him near the precipice, but challenges that he worked his way through, gaining experience and wisdom along the way.
However, personal finances are not just about overcoming the past and salvaging the present. Theyre principally about creating the future. Like all family men and women, Tony wants the brightest possible future for his loved ones... and for yours. So for that reason The Debt-FREE Millionaire doesnt leave you with the CFAs verdict on your current situation. The real thrust of this book is Tonys desire for you to achieve true, debt-free financial independencethe kind where you can live off the proceeds from your investments. So he finishes his work here by helping you define your retirement aspirations and create a path and time line to get you there.
In this book youll quickly see that this man knows what hes talking about, and that he sincerely wants his knowledge to help you transition from financial impossibility to possibility, then to probability and to reality. You really can become debt free, and most Americans can become debt-free millionaires. In this book Tony Manganiello will show you how.
JOHN CUMMUTA
Author, The Transforming Debt into WealthSystem
Acknowledgments
There have been so many who have helped guide me through lifes ups and downs. Of all of them, I would be incredibly remiss if I didnt take the time to thank John Cummuta, my father-in-law. Without him, hundreds of thousands of people would have never learned what true debt elimination is all about, including me. He started the revolution; I only hope to continue the battle.