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Every pundit and every expert on investments and personal finance continually focus on finances and return on investment from the middle of the field. It's like we are all starting from the 50 yard line, focused on reaching the end zone. Why is it that the majority fails to reach the end zone, some only reach the 20 and most can't gain a yard; why is that? What is holding them back? Is it how much they make or how much they spend? To a certain degree yes, but the #1 factor in keeping us from reaching the promised land is DEBT. It's not about how much or too much debt, its HOW DEBT IS STRUCTURED. How can anyone invest in their own future when they spend 30 years of their life paying into someone else’s investment portfolio?

What am I talking about? Conventional mortgages. The conventional amortization formula is an annuity formula. Millions of homeowners are supporting a bank/lenders annuity for 30 years. How can we get stronger if we continue to support someone else's retirement plan?

The second most destructive financial instrument continually used by the American public? Checking/Savings accounts. The only difference between the two is check writing capabilities. They are virtually the same thing; a holding pen for our money. The public believes they actually get something in return, but all we are doing is handing our hard earned income over to someone else to invest and keep all the profits. Where did we decide this was prudent use of our money? The only thing we get in return is online banking and a toaster? I know the argument, I've heard it a thousand times; "But that’s how the banks earn a profit and maintain their operations." I don't care. If they want to lend money and earn a profit, then go borrow it from someone else and quit stealing mine and try to convince me that the cotton candy they just pulled from their backside is my reward. My deposits are listed as a liability on the books as a loan from me. WHERE IS MY RETURN? Do you follow where I am going? Are you following the incredible flaw in the logic of conventional banking and borrowing?

Banks only get stronger by weakening the very source of their strength; the American consumer.

If they can't borrow at a decent rate and earn a legitimate profit, then they should fail within the free market system. Don't steal and misuse my money and then come back to me for more (ie current stimulus package) Regardless of the government, the Federal Reserve, inflation, deflation, stocks, bonds, gold, commodities, an up, down, sideways market; if we don't educate ourselves and look for alternatives to how we bank and borrow WE WILL PERISH, GUARANTEED. I've got the answer and a solution. How do I know I have the answer? I know hundreds of homeowners who are flourishing by employing an alternative. Their debts are lower, their investments have increased and they now have control, freedom and authority over their finances. Taking matters into our own hands is what it will take to bring this country back to what it should be.

The Truth is in the Proof!