Maybe youre thinking its time to review your investment strategy and make the most of the money you have today. Maybe youve already built a financially successful retirement egg and want to protect what youve built. Or maybe you need to bulk up your earnings to ensure your familys future.
Welcome to money for grown-ups. Where do you turn for credible information?
Dedicated to helping you protect your assets, stretch your dollars, and bolster your longterm security, AARP can offer you powerful solutions. Whatever your strategy for managing money, weve got suggestions that will help from saving money on that next big purchase to planning your charitable giving. If youre taking your job to the next level or building up a second career, weve got strategies that will help you make your mark.
You may think your money or your financial advisor should be working harder for you. You may be watching market trends and seeing new opportunities. And, of course, you want to protect yourself and your loved ones from scams and data breaches. We can give you the support you need.
And turn to us for fun, too. (Is it time for that car, that trip, that weekend home youve always wanted?) Because that, too, is what this time of your life is about.
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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.