One Client’s Story

Dr. Michael B. & Spouse - 32 yrs old - Internist
Owed: $402,000 30 yr mortgage,
$222,400 med school loan
$15,000 on credit cards

They paid it all off in 8.5 years.
The cancelled well over $100,000 in interest.
Their previous debt payments (over $4,000/mos.) Now are all theirs.

They did not refinance.
They did not send extra every month.
They did not change their budget or lifestyle.
They did not eat rice and beans.
They did not live in a van down by the river.
They maxed out his 401 K contributions.
They took nice vacations.

This is a bold claim and you should be thinking “BS.” To you we offer
our $500 challenge. Learn about this and if you can prove us wrong,
we will reward you with $500 cash.

How?

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Debt

Debt is good. It helps us buy things like cars and houses.
Debt is bad. We pay lot’s of interest for long periods of time.

Mathematically
Debt is expensive, especially long term debt.
On a 30 yr mortgage at 4%
69% of our payments go to interest in the first year.
63% of our payments go to interest for the first 10 years.
By year 20 we are only little more than half way paid off.

On a 10 yr medical school loan at 6%
42% of our payments go to interest in the first year.
25% of our payments go to interest for the full 10 years.

Our typical client pays off mortgage debt and all other debt in less than 10 years.
Our typical client pays off med school debt in 3 to 4 years.

Common Sense
When life events happen like:
divorce, illness, death, down turns in income,
holding a bag of debt is not good.

Philosophically
Having debt puts us in a master/servant relationship.
The bank is the master and we are the servant.
We are less free to take time off, change jobs etc.
It’s called “debt service” and we are the servants.

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