"This has been an exciting month! Going through our homework assignments has been a real eye opener. First of all, we found we are worth more than expected. Then we started keeping track of our daily expenditures and got a real look at where our money was going. We even took a vacation and didn't spend much money but had a good time. Now we are looking at possible insurance changes to save money. That, along with seeing how we can be debt free in 10 1/2 years instead of 22 3/4 yrs. and with an estimated savings of 65k in interest charges, we can see light at the end of the tunnel. This is a great course! We had been making changes in the past and had actually been doing some of the things in this course but there is so much to still learn. One example is to buy, using a credit card, but only when we get no payments, no interest for a year. This means we use the bank's money for a year and pay it off after 11 1/2 months. Now we can see how much we can save in interest, use the bank's money, and still get what we need (refrigerator, dish washer, clothes washer/dryer, etc.). We actually did this a year or so ago ($7K to $10K for remodeling) but now we understand how beneficial it really is. We also buy when something is on sale or has coupons. We seldom pay full retail. We are excited about what will be coming up next. Brad, keep up the good work. You have answered all of our questions we have asked each week. Hopefully, we won't stump you.....8=). " - Jim/Elvie Bell

"Carol and I both have learned things about ourselves and our spending habits, personal finances (retirement, interest rates, credit) and how it all works both for and against us. Also we didn't realize how much was going to be coming at us and how fast. It truly has been like taking a drink out of a fire hydrant. We wish we had timed it a little better in the year to better take advantage of all the great information that was on all the links you sent us and the links in them. It would still be great if we were able to get started on setting up some of the online businesses that were mentioned (with your help of course). We don't really know exactly where to start and what to sell. We have been better at keeping track of what is spent on what bill and we are making progress at paying off our debt and not creating new debt (increasing net worth). Now we are spending time together on our finances, not just one of us. This is about the best of my knowledge as to our status and progress. Still moving forward one inch at a time. Your services are appreciated and still in demand with us. We look forward to our visit tonight. " - Robert "Craig"Pople and Carol Pople

"During our Proactive sessions together, the most significant thing we have learned is that even at our ages (60 and 55 years), we still have the time to provide for a comfortable retirement. The principles you have shown us have given us the tools to make this happen. We now have a tangible hope and means for financial security into the rest of our lives. Using what you have shown us, we are on our way to a positive future through the knowledge and confidence we have learned with the video and audio instruction and exercises we have done. You and Wealth Heart have given us real control of our finances, current and future. Our debt payoff was going to take place in 2020 and you have shown us how to make that happen by 2016 – IF we do nothing else but manage our current income. This amounts to a savings of $2338 a month for four years or $112,224! We are quite pleased with that in it self! This savings, invested at 10% interest for 5 years would be $180,738. Using additional income streams that we were not aware of until you taught us about them, we expect to be out of debt as soon as 2013 – or earlier. This would potentially save us $196,476! This savings, invested at 10% interest for 7 years would be $382,726! This does not take into account the continuing income stream during that time!! Makes the course seem definitely worth it! We could live most comfortably on $8,000 a month, after taxes, when we both retire in 5 years. We would only need $3995 to maintain our current life style, though. As a goal, we would like to have $2 million invested when we retire. This is quite possible, we believe, thanks to your tutelage, Brad. " - Shirley and Steve West

"Within a very short time frame, my coach helped me find an extra 10% of my gross income that was unnecessarily going to taxes. I redirected that money to build up some savings and pay down my debt. The emergency savings I had put together came in handy in June when my income was severely cut due to a downturn in my business. The best part is, I have no doubt I will hit my target of being out of debt in 5 years! " - Dan B.

"At first we were skeptical. We thought we had our 'ducks in a row' with the advice we had been given by our insurance agent and banker. We decided to try the program because of the guarantee. We are now completely out of debt due to the coaching we received and it's exciting to see our net worth grow each month. We took FinanciallyFit's advice and shared the principles with our children. Our daughter and son-in-law have also paid off all of their debt and are working on paying off their mortgage. Thank you and bless you for what you've helped us accomplish! " - David and Elaine R.

"During our first month of coaching, we kept hearing from our coach 'reduce debt, increase cash flow.' By following our coach's advice and applying the financial principles we learned we were able to increase our monthly cash flow by over $6,000. Oddly enough, we already had the resources to pay off our debt, we just needed a little encouragement from our coach. The BIG surprise was how great it felt to pay off ALL our personal debt and see the amazing difference it made to our after tax cash flow. " - Jim and Peggy F.

"We have a new lease on life! Our self worth has gone up dramatically! It makes us feel good that we are taking control of our financial future and it makes us feel even better to know we could be debt free in a little over 5 years. " - Kevin R.

"We are becoming far better stewards of our finances in the present and for the future. It's exciting to have a clear plan for getting completely out of debt. It has been so helpful to have a coach to work with through the process. Our personal coach is very knowledgeable, professional, attentive, and fun to work with. " - Steve and Maureen M.

"Tom and I are extremely happy with out personal coach and our progress with this program. We are making significant changes in the way we spend, save, and invest our money. Our coach truly understands the dynamics of our partnership with regard to financial matters. " - Kim and Tom B.

"I am so excited about this month's cash flow statement!!! This is the first month in a long time I've posted a profit in my business. I owe you my heart-felt thanks and gratitude for your coaching and for helping to shake me out of my comfort zone. I had been coasting along without being focused on my financial future. I knew I had some extraordinary expenses coming up that I had no way of knowing how to handle. You showed me that with a small seemingly insignificant attitude adjustment, I could start setting and reaching financial goals I thought were impossible. Many thanks for your kind, upbeat, and very timely advice. " - Rae B.

"Lu and I would like to express our heartfelt gratitude and appreciation for your help, patience, and excellent guidance over the past months. You have helped us become much more diligent in tracking and controlling our expenditures, freeing up additional cash in every paycheck and cutting our taxes. " - Bob and LuAnn S

"When I first called FinanciallyFit I had reached a point where I didn't know where to turn. I knew that I had credit card bills that amounted to 150% of my monthly income and I knew that I didn't want to take out a consolidation loan. I wanted to find a way to regain control over my finances. Today I am well on my way to being debt free. Not only do I have a concrete plan of how to get there, but sound advice as to what to do once I'm there. Thank you FinanciallyFit. " - Cathy T.