How Financial Freedom came about:

I was a Licensed Mortgage Banker and had my own firm for over ten years and had all different types of clients. I had doctors, dentists, lawyers, truck drivers, electricians, and I found across the board, it doesn't matter what a persons education level is, most people just don't know a lot about personal money management.

Then on December 28, 1999, I saw an article in the LA Times and it talked about how the average savings for Americans went negative. And how people are using savings, credit cards and equity in their homes just to maintain their standard of living.

So that was the start of our Financial Freedom Manual in 2001, with a concept that we do not offer any legal, tax, insurance or investment products or services of any kind. Our concept is to simply provide objective education in personal money management.

Since the release of The Financial freedom Manual (my third book) I  have been devoted to writing, counseling and presenting the Financial Freedom Manual! Live Seminar over 200 times nationwide.

I have also been a private investor and real estate agent. My second book, The Personal Finance Guide, was also very popular. I have published three books and over a hundred articles. I am married and have three children.

 

Education in Personal Money Management is our mission! Over the past 9 years, we have had tremendous success teaching personal finance through seminars, workbooks, videos and audiocassettes for tens of thousands of employees of major organizations. And now we have expanded our business and continue our financial literacy mission with the advanced technology of on-line workbooks. You can now learn at your own pace and in the convenience of your own home.

Creating prosperous generations one person at a time!

Although we want to help Americans of all ages manage their money better and get more out of what they earn, another major part of our mission is to get every high school and college graduate to start saving $100 a month the day they start working and we are doing it through this website. Because if they do, they will be able to take advantage of what's called "The Magic of Compounding" which has also been referred to asthe 8th wonder of the world! Compounding is simply earning interest on previously earned interest. Or having your investment appreciate in value year-by-year and leaving that appreciation to grow on top of previous appreciation.

Now here's how compounding works. Let's say the day people get their first full time job, (age 21), they start saving $100 a month and do that for 40 years. And let's assume they invested in something like the stock market and get a return of 11%, which the stock market has averaged over the last 70 years. In this scenario, they'd accumulate approximately $857,000. But, if they waited until age 31 to start saving and saved for only 30 years, they'd have only $280,000! As you can see, those 10 years make an unbelievable difference in a persons long term accumulation of wealth.

So if you're a recent graduate or a parent, grandparent, relative, or caring friend of a recent graduate, get the graduate to our site or simply get them a copy of our manual. If you're the parent, just think about it, if your son/daughter and/or you just paid tens of thousands of dollars to get a college education to hopefully make more money, spend very small fraction of that amount to learn how to get the most out of a working career it's time to take action!

 

If you are ready to do what it takes to have Financial Freedom, click below: