Financial Independence

In just Twenty-Nine days

YOU can be rid of Your Money Worries ...

FOREVER!

YOU Can Be On YOUR WAY To

FINANCIAL FREEDOM


DID YOU KNOW ...

  • The average American family has only $3,800 in the bank.
  • 40% of working Americans are not saving for retirement.
  • 43% of Americans have less than $10,000 saved up for retirement.
  • 25% have no savings at all – retirement or otherwise.
  • The average household is carrying $117,951 in debt.
  • The average retiree benefit from Social Security is $12,530 per year.

 

Few things in life can be sadder than seeing an
elderly person struggle to barely survive.

To see someone come to what should be one of the most enjoyable times of life having to wait on tables, live on food stamps or rely on charity is heartbreaking.
 

YOU NEED NEVER FEAR THIS EXPERIENCE

HOW WOULD YOU FEEL IF ...

You were the Sole Heir to a Fabulously Wealthy
95-year-old Uncle?

You would have a natural sense of security wouldn’t you?

You would never experience that gnawing financial fear that so many people are facing today. You would know that you have a safety net and that eventually you would enjoy great wealth.
  

THAT FEELING OF FINANCIAL SECURITY
CAN BE YOURS

In fact, it can be even better because YOU WILL KNOW
WITH CERTAINTY that you won’t have to rely on charity, Social Security or
some phantom uncle for YOUR FINANCIAL WELL BEING.

You're going to discover that YOU CAN BE the SOURCE of your WEALTH, FINANCIAL FREEDOM and COMFORT years BEFORE you even think of retiring!

 

Not only can you enjoy financial security, but you will experience the
deep satisfaction that TRUE WEALTH BRINGS ...

• INDEPENDENCE • PRIDE • FREEDOM  • ABUNDANCE 

Millions of people are financially crippled and doomed to a lifetime of poverty because they are plagued with thoughts like;

  • Me? Financially Independent? Not in this lifetime.
  • The only way I’ll ever be rich is if I win the lottery.
  • The amount of money I earn will never amount to anything so why even bother.
  • I hope there’s a government program for me when I’m older.
  • Save Money? Yeah right! I can hardly pay my bills as it is!

 

IF YOU HAVE MONEY WORRIES LIKE THESE YOU CAN BE RID OF THEM FOREVER

 

"I was amazed at what I accomplished in just twenty-nine days!" 

The most powerful thing about this program is that it very gently held me accountable to my dreams and my financial goals each and every day. I was amazed at what I accomplished in just twenty-nine days.

By taking small consistent daily steps I was surprised at the change in my thinking and habits toward my financial picture. For the first time in my life I am excited about my financial future. I know I'll achieve my financial dreams.

~ Shaun McIntyre

 

 

Discovering The Secret To Financial Freedom! 

 

Hi my name is Richard Fast. I developed this 29DAYS program based on my first hand experience, endless study and personal observation. The wealth-building principles in this program have stood the test of time. These are the very principles that have served as the foundation to many of the great fortunes throughout history.

Like so many people, I was raised in a financially dysfunctional home. I was always taught that money was hard to come by and that "our lot in life" was to pay our bills and just get by. Wealth was somehow for other people. I just accepted that I would always struggle with money and so I never gave it any thought. I spent whatever I earned.

By the time I was twenty-six years old I had lived my entire adult life from hand to mouth. I did not have a single cent to show for my previous seven years of labor. The thought of actually saving money had never occurred to me. There were too many other things in my life that really mattered. At that age, now was more important than some far off time that bank managers and “old people” referred to as retirement. 

 

That is the way most people think about money ... and precisely why they don’t have any.

 

I thought of my life as being now. I just wasn’t capable of thinking or caring about some “other life” thirty or forty years down the road. Who cares? It’s so far away. Besides, there’s plenty of time to deal with that later. I’ve got my whole life ahead of me.

"Wow, did I ever have a limited view of life, my money, and how to use it."

 

I used to think of money management as something that was done for retirement and old age. I was so naive I never grasped that simple financial awareness could lead to GREAT WEALTH DECADES BEFORE retirement ever came into the picture.

 

Although I knew absolutely nothing about money or how it worked, I was eventually lucky enough to stumble upon the first law of acquiring wealth, which is learning the secret principles to save money. 

I was twenty-six years old when I started waiting on tables. I worked for both tips and an hourly wage. The wage at that time was $4.35 per hour, and much to my surprise, I could live quite comfortably on my tips alone. As luck would have it, my employer deposited my hourly wages directly into my bank account, and to be quite honest, I practically forgot about it. I lived on cash.

That was the first big lesson in my schooling of money. Out of sight, out of mind. If I had been given that weekly sum in my hand, it would have been spent each and every week and I wouldn’t have had a thing to show for it. I believe that the following statement is, in fact, a law of money:

 

Our expenses will naturally expand or contract in accordance with our income.

 

This may seem obvious, and perhaps it is, but what’s important to note is that unless checked, it will prove true in every instance. In other words, if you get a ten percent raise, and you don’t make any changes, you will find that in a very short time your expenses will magically increase by ten percent. Also, if you were to take a ten percent pay cut (all things being equal), you will find that your expenses will miraculously shrink by ten percent. 

My own life was a good example because back then, when I was waiting on tables, I had always just managed to make ends meet. I spent all that I had. 

Fortunately for me I never saw that hourly wage so I never missed it. Within two years I had managed to “accumulate” over twelve thousand dollars. In today’s money that sum would be closer to twenty-five thousand dollars! The fact that I had managed to save such a sum in a relatively short period of time had nothing to do with my ability to understand or handle money, it was simply a case of “out of sight, out of mind.” I say this because what I did with it when I finally decided to put my hands on it was probably the worst thing I could have done ... I spent it all on a power boat.

 

"Have you ever heard the expression ... black hole?"

 

There’s an old boat owner’s proverb that says the two happiest days of a boat owner’s life are; the day he buys it and the day he sells it.

 

Although there is great truth in that saying, I really did enjoy the next two summers with my brand new water toy. The interesting thing is that those weekly paychecks that I had previously ignored were suddenly vitally necessary for gas, docking fees, winterizing, insurance and of course endless amounts of beer. I actually had to take on a second job just to be able to support my boating habit.

My boat, at sixteen feet, was the smallest one in the marina, but I’m sure that I got the most fun out of it.  I enjoyed endless hours fishing, water skiing, partying with friends or just cruising around the breathtakingly beautiful Thousand Islands. 

The marina where I had docked my boat was located several miles out of town at the base of a rather swampy inlet. There wasn’t much to look at aside from the surrounding weeds and scrub, and yet, day after day I would see fellow boat owners and their families and friends sitting on their 40-, 50- or 60- foot motor yachts that never left the dock. Then one day in a conversation with the owner of the marina I asked him why these people never took their boats out into one of the world’s most beautiful settings? His reply: “They can’t afford to.” 

After I got over my shock he explained that many of the people who owned the boats could barely manage their monthly obligations and the per-hour cost of running their boats was just too expensive. As a result, most of them had to be content to sit on their boats and look at the swamp.

Although I thoroughly enjoyed my two summers of boating, my happiness meter was pretty high on the day I finally sold it. What a sense of freedom. I had naturally taken quite a loss from my original purchase price, but putting a stop to the endless bills that go with owning a power boat, that I couldn’t justifiably afford, was a huge relief.

I was now twenty-nine years old, with some practical money experience. I was lucky to have been able to save up my little nest egg, with which I bought my boat, and at the same time learn a valuable lesson on just how quickly I could make it disappear.

That experience gave me a taste of the thrill of having been able to save some money, and equally enlightening, was experiencing how quickly it could vanish.

Through the ensuing years and through a number of business successes and failures, trials and errors, I began to learn the basic laws of money and how to make it grow.

Experience is a hard teacher, she gives the test first and the lesson afterward.

 

I have learned many financial lessons over the past twenty-five years and I can absolutely confirm the veracity of the methods this program will teach you. The lessons, stories, simple exercises and examples have worked for me and countless other successful people for many years. The real secret to this program's success is its ability to motivate you to take action.

Knowing without doing ... is really not knowing.

 

Without Financial Independence Life Can Never Be Fully Enjoyed


That might seem like a Broad, Brash and Bold statement, but it's absolutely true.

I can’t think of too many things that are more debilitating, demoralizing and stressful than having deep financial worries. The people who say ...

“Money Isn’t Everything” 

or

“The Best Things in Life Are Free”

... are people who have lots of money. I’ve personally been on every financial spectrum imaginable and I can assure you that money plays a key role in one’s happiness.
 

When YOU HAVE MONEY, YOU immediately acquire some of the very things
that cannot be purchased ...

LIKE “CONFIDENCE," "GRATITUDE," “PEACE OF MIND” and a

"SENSE OF FULFILLMENT."


You can’t go to a store and BUY these things

and yet these are the very things that come with HAVING MONEY.

 

"This program totally opened my eyes to how much money I wasted."

I had no idea that money could grow so quickly ... if properly managed. This program totally opened my eyes to how much money I have wasted. When the program first started it told me not to do anything different but instead I was to observe my daily money habits.

What an eye opener that was. I began to see how much money I blew on stuff I didn’t even want. After that I began to see just how quickly this wasted money could grow into something really big. I now know for certain that I will never have any money fears again. 
~ Janice Breedan

 

I’M GOING TO ASSUME THAT WE’RE IN 
AGREEMENT THAT ...


MONEY IS NOT ONLY IMPORTANT, 
IT’S CRUCIAL TO YOUR WELLBEING 
AND TO YOUR ENJOYMENT OF LIFE

 

  • How important is it to know that you can provide for the people you love?
  • That you'll be able to give more to your children's education.
  • That you will be able to give more to charity.
  • That you won’t be a burden but rather a prosperous contributor.
  • To have more money than you'll need throughout your life.
  • To actively contribute and participate IS the essence of enjoying the wonderful experience of being human.

 

You're going to discover a new way of living that will allow you to have everything you want and deprive you of nothing. 

 

 

Introducing 29 DAYS ... to save money
and achieve financial independence ...

 

... A REVOLUTIONARY 4-WEEK PROGRAM THAT GUIDES YOU THROUGH A STEP-BY-STEP PROCESS TO FINANCIAL ABUNDANCE AND TRUE INDEPENDENCE AND AN UNSHAKEABLE MONEY CONSCIOUSNESS.

You’ll find this 29DAYS program to be much more than a financial awakening; it’s your psychological road map to security, independence and financial freedom. It's not so much about saving and investing money as it is about creating a wonderful life.

Understanding the laws of money will lead you to financial independence far sooner than you may imagine. That’s why this program can be so exciting, no matter what your present age may be.

This program is about taking control of your financial destiny, about changing your entire view of money. Money used properly becomes your slave, never the other way around.

 

In just twenty-nine days you can be in a place
of KNOWING that your FINANCIAL FUTURE
will be SECURE.
 

Those Feelings of Doubt, fear and uncertainty will never torment you again.

HOW IS THAT POSSIBLE?

You will develop a MONEY CONSCIOUSNESS – an awareness of the rules of money and how you can make money work for you. Put to proper use money becomes your servant ... never the other way around.

WITHOUT a MONEY MENTALITY you’ll always be paralyzed by doubt and fear. Without an understanding of money and YOUR unlimited ABILITY to generate it and make it grow, you’ll always see your financial future as hopeless and futile. You will be paralyzed from taking the simple steps to financial freedom.

In just twenty-nine days you will have a new understanding of money and in Your Ability to achieve the financial future you desire. You will come to see what is truly possible for you.

 

If you want to grow rich, MONEY IS NOT the first thing you need.

 

If you doubt the truth of this statement all you need to do is look at the statistics of lottery winners and the state of their lives just a few years after they became instant millionaires. In many cases both their lives and their finances are in ruins.

Then there are the endless stories of penniless ex-millionaires and celebrities who never acquired the basic principles of money.

Your total net worth right now ... all of your money, assets, and income is not nearly as important as your financial principles and your money mentality.

With a basic understanding of money you will know why "get-rich-quick" ideas have never and will never work. You don't have to look too far to see the carnage of the dotcom era, the pyramid schemes and the ill-fated real estate ventures that have left tens of thousands of "house flippers" stuck with mortgages that are greater than the value of the property.

Many of these people who were financially wiped out were honest, hard-working, Americans who truly believed that they were making solid investment decisions. They were unaware of the basic wealth building principles that come with a money consciousness.

When you understand the principles of money you will know how to earn it, save it and how to make it grow. Without this basic understanding, money will either elude you or slip through your hands like water. 

HERE IS THE GOOD NEWS  

Regardless of your present financial situation,
you CAN achieve a life of prosperity with just two things;
KNOWLEDGE and DESIRE.
 

This 29DAYS program will give you both!

 

In just 29DAYS you can end your money worries
and put your Financial Future in capable hands ... YOURS!

 

You’re Probably Thinking to Yourself;
“Can I Really be financially independent
in just twenty-nine days?”

Within just a few days you will understand how you can be in complete control of your finances, your thoughts, your attitudes and your ability to steadily and methodically grow your money. We don’t sell empty promises. You won’t become a millionaire at the end of twenty-nine days, and you won’t magically eliminate your debt. But YOU WILL eliminate the feeling of hopelessness, the fear of uncertainty, and the sense of helplessness that comes with relying on outside forces, get-rich-quick schemes and luck. 

In just twenty-nine days YOU WILL acquire a number of things that are absolutely vital to your journey to wealth and abundance;

  • You will finally KNOW that you can achieve financial independence.
  • You will have developed the courage, excitement and the commitment that comes with your new knowledge.
  • You will develop a money consciousness and never fall victim to the endless parade of get-rich-quick schemes.
  • You will no longer fear, doubt or question your financial future.
  • You will have begun to take defining steps and positive action toward your road to wealth and financial freedom.
  • Just as success attracts success, money attracts money. In just twenty-nine days you will fully understand the power of this simple formula and begin to attract abundance into your life.


HOW THIS 29DAYS PROGRAM WILL HELP YOU
REACH YOUR FINANCIAL DREAMS


Five years from now you will have a financial status. In fact, you have a financial status right now. If you aren’t happy with your present financial situation, and if you don’t change your financial habits and actions, then it’s a safe bet that in five years from now you’ll be five years older and still no closer to your financial desires.

 

The biggest obstacle most of us face is getting ourselves to take daily positive actions that will lead to a New Way of Thinking and a Permanent and Positive Lifestyle.

 

 "This program taught me to take action one step at a time and to understand how quickly my money could grow."

Over the years I’ve tried to save money and take control of my finances but I never knew where to begin. It seemed like such a stretch that I couldn't be bothered. It was all too overwhelming. I really believed that any effort in my case would be hopeless.

This program taught me to take action one step at a time and to understand how quickly my money could grow. I’ve now reached a point where I actually have fun finding little ways to save here and there and to really know that it will grow into a sizeable fortune in less than twenty years. I would never have believed I could feel that way, but I do. In fact, I’m totally hooked on watching my money grow.
~ Shaun Phillips

"This program is basic, credible and realistic."

The great thing about this program is that it helps you understand why you do the things you do and then it walks you through a simple process to make positive forward steps.

This program is basic, credible and realistic. It allows you to move at a slow pace which – now I know after taking the program – is really the fastest way and the only way to lasting change and real financial achievement.

~ George Williams

 

BY DEVELOPING A TRUE MONEY CONSCIOUSNESS YOU WILL DISCOVER THAT;

  • an abundant financial future is totally within your reach.
  • you can achieve financial independence in a relatively short period of time.
  • it’s not the amount of money you have but how wisely you use it
  • you don't need to worry about a life of financial destitution
  • financial freedom does NOT mean living the life of a miser and depriving yourself of life’s pleasures
  • accumulating money and building your fortune is not only fun and inspiring but it can be very addictive
  • building your financial future is a certainty with just two things ... knowledge and desire.
  • In just twenty nine days you will have a clear map to your financial freedom and to the destiny you truly deserve.

 

This Program is NOT about Positive Thinking.

That won't get you very far.

This program is not about positive thinking, because positive thinking on its own is nothing more than a pie-in-the-sky pipe dream. This 29DAYS program is about POSITIVE DOING. The person who has all the information but doesn't do anything with it is no better off than the person who is completely ignorant of the information. 

  

Yes! I Want To Take Control of My Finances ... NOW!

Why take this program


You don't know how it happened, but somehow your money situation got completely out of control.

You struggle to pay the bills. You've racked up debt. Money just seems to disappear out of your bank account. There doesn't seem to be enough coming in. And you certainly don't have anything resembling a solid savings account. When other people bring up retirement, you change the subject.

It's not a problem you can solve with a get-rich-quick scheme. You can't rely on some rich uncle to leave you an inheritance. There's no money that'll fall from the sky. If you're going to solve this problem, you're going to need a fundamental change in the way you see your money.

And you can. In just twenty-nine days.

How does it work?

We don't sell empty promises. You won't become a billionaire at the end of twenty-nine days, and you won't magically eliminate your debt.

But you will have a completely transformed mind. And we mean that in the least wishy-washy way possible. You'll have new hope, new ideas and new perspectives – you'll have fundamentally changed the way your brain works.

We mean that you'll have created new neuron tracks and pathways, new thought processes, and new active habits. You'll have actually changed the patterns within your brain – which means you'll behave differently because you think differently.

And you'll never slip back into the old habits that caused this destructive problem in the first place.

How this program works


The 29DAYS program breaks down into four easy weeks, each starting on a Monday.

You'll receive two emails every day from your online coach so that you have the support you need, right there with you. Your online coach will also keep track of whether you've responded to your daily emails to say you're still hanging in. That's how we help you stay accountable – and how you can actively build new patterns in your mind through repetition.

Week One: Commitment and Awareness Week

If you aren't committed to your goal, you won't succeed. In this first week, we'll help you commit to your goals with a strong foundation that supports you when temptation starts whispering away at you, encouraging you to fall prey to those old destructive routines you've shed.

You'll learn observation and awareness techniques that help you understand your current bad habits, such as when you're most likely to fall prey to them and what triggers the desire to give in. This means you'll have tools to fight back and stay strong.

Week Two: Preparation Week

After you've committed to your goal and become aware of the true extent of damage your current bad habit creates, you can start to prepare for the change ahead.

This is where the 29DAYS program really sets itself apart from all the rest – you develop your very own ideas on how to make permanent changes.

It's important that you take control of your own personal changes. We'll help you build powerful new neuron tracks and thought processes, and you'll feel empowered to change by being in full control of how those changes happen.

Week Three: Taking Action

Enough planning; it's time to get to work. By developing awareness of your current bad habits and tailoring your plans for change to your personal weak spots and desires, you'll be more than prepared to put your plan to good use.

Our daily reminders, visualizations, and affirmations have helped you develop the strong neural changes that make it easy for you to replace those bad behaviors with your planned good ones. Your take-action steps may be small, but you'll be able to put them in place knowing they're here to stay. For good.

Week Four: Staying the Course

You've probably tried to change your habits before – but slipped back into your old destructive routines. That's why this final week is so important, because this is when you cement those new habits into place and learn to stay the course.

And by this point, you're nearly at the end! If you stick with your course through the final week, it will be nearly impossible for you to go back to your old habits. Developing new habits is a process, and you'll already be reaping the rewards of the small changes you've made.

The best news is that these changes happen permanently. You won't ever go back. You won't ever slip back into your old ways again.

In just twenty-nine days, you'll have a new lease on life. A new way of experiencing your day.

Program Introduction

 

Welcome to 29 DAYS ... to save money and achieve financial independence! Be sure that you have read 29 DAYS... to a habit you want! before beginning this program. It’s important that you understand the Habit book’s basic premise, which is: Our thoughts precede all of our actions. It is only by changing our thoughts, desires and beliefs that we can create desirable new habits or break unwanted old habits.

You are about to embark on an exciting journey toward a lifetime of financial independence. In the next four weeks you will be surprised at the radical changes in your thoughts about money—how to acquire it, and how to make it grow. You will come to realize that you are just as capable and entitled to a life of financial independence as anyone. 

This program does not suggest that you can save yourself into a fortune, but learning the principles of saving will take you a long way there. Your income is your source of wealth, but your equity is the true measure. Saving money, and the mindset that results from saving, is a vital step toward financial independence. With that said, there’s still much more to achieving financial independence that we’ll cover throughout this program.

The first step toward financial freedom is to change the way you think about money—your money consciousness. If you can change the way you think and act toward money, within weeks you’ll see astonishing things happen in your life. This program is not a financial program––in some respects it’s much more than that. It’s your psychological road map to wealth. Without a money consciousness, wealth will always elude you.  

This program doesn’t propose to give you up-to-the-minute advice on the best way to pay down your debt, invest in the market, or pay off your mortgage. It does something else: in 29 days you’ll have the financial wherewithal to plan your own financial future.

To change your financial circumstances, you need to change your thoughts and habits. Everything in the 29 DAYS programs is designed to make you aware of your present thoughts and beliefs. Without awareness, change is not possible. With awareness and desire change is not only possible, it’s inevitable.

You’re going to learn the basic laws of money and how to accumulate it so that you need never fear a life of poverty.  Consider the following series of questions:

Have you ever thought:

  • Saving a little money here and there is a waste of time because it’ll never amount to anything substantial anyway.
  • I’m too old to start saving money, I wish I would’ve started when I was young. 
  • I’m still young. I might as well enjoy my life now because I can always start a savings program when I’m older.
  • Save money? How? I can hardly meet my monthly obligations as it is! How would it be possible to save money?
  • I was just born to be broke. Financial wealth isn’t in my future. 
  • I’ll just spend what I earn and let the chips fall where they may.
  • I wouldn’t know how to begin a personal savings plan.
  • I don’t know exactly how, but somehow I think everything will work out?
  • There are government programs that will provide for me if necessary. 

If you answered yes to any of the above questions, then this program will benefit you enormously. Not only will you change your thinking and dramatically improve your financial future, but you’ll change many other areas of your life as well. 

Few things in life are sadder than seeing an elderly person struggle to survive. It’s heartbreaking to watch someone having to live on food stamps and charity. People without hope and self-determination cannot enjoy life. They lack self-esteem and peace of mind. They’ll never know the pleasures of independence, carefree living, and the joys of sharing their accumulated wealth with their family and loved ones.

Everything in the 29 DAYS programs is based on the same philosophy: change––change in how you think. This plan is not based on willpower, grit or determination; rather it’s designed to help you easily and painlessly change your conscious and subconscious thinking.

By day 29 not only will you be totally hooked on your new habit of managing your money, but you’re going to thoroughly enjoy the process!

I’ve Been Where You Probably Are Right Now

By the time I was twenty-six years old I had lived my entire adult life from hand to mouth. I did not have a single cent to show for my previous seven years of labor. The thought of actually saving money had never occurred to me. There were too many other things in my life that really mattered. At that age, now was more important than some far off time that bank managers and “old people” referred to as retirement. But that’s the key to understanding the way many people think about money. 

When I was in my 20s, I was living in the moment. I just wasn’t interested in thinking about some other life 30 or 40 years down the road. Who cares? It’s so far away. Besides, there’s plenty of time to deal with that later. I’ve got my whole life ahead of me.

Wow, did I ever have a limited view of money and how to use it. I was so naive I never really grasped that saving money could lead to great wealth decades before retirement came into the picture.

Learning and practicing the laws of money can and will lead to financial independence. This program is not about deprivation or hoarding money. It’s not about grudgingly living a life void of fun so that you can live your latter years in financial independence. Far from it! This program is about taking control of your financial destiny, about changing your entire view of money. Money used properly becomes your slave, never the other way around.

Although I knew absolutely nothing about money, and its immutable laws, when I was in my mid-20s, I was lucky enough to stumble upon the first law of acquiring wealth, which is learning to save money. 

I was 26 when I started waiting on tables. I worked for tips and an hourly wage of $4.35. Much to my surprise, I could live quite comfortably on my tips alone. As luck would have it, my employer deposited my hourly wages directly into my bank account, and to be quite honest, I practically forgot about it. I lived on cash.

That was the first big lesson in my schooling of money. Out of sight, out of mind. If I had been given that weekly sum in my hand, it would have been spent and I would have had nothing to show for it. I believe that the following statement is, in fact, a law of money:

 

Our expenses will naturally expand or contract in accordance with our income.

 

Perhaps this seems obvious, but what’s important is that, unless checked, it will prove true in every instance. In other words, if you get a 10 percent raise, and you don’t pay attention, you will quickly find that your expenses will magically increase by 10 percent. Also, if you were to take a 10 percent pay cut, you’ll find that your expenses will miraculously shrink by 10 percent. 

I know the previous paragraph may seem like a bold statement but it’s a universal truth. My own life was a good example because back then I had always just managed to make ends meet. I spent all that I had. 

Since I never saw my hourly wage, I never missed it. After just two years of waiting on tables I had managed to accumulate over $12,000. In today’s money that sum would be closer to $25,000! As you’ll see, the fact that I had managed to save such a sum in a relatively short time had nothing to do with my ability to understand or properly handle money; it was simply a case of “out of sight, out of mind.” What I did with that money, when I finally decided to put my hands on it, was probably the worst thing I could have done. I bought a powerboat.

There’s an old marine proverb that says the two happiest days of a boat owner’s life are the day he buys his boat and the day he sells it.

Although there is great truth in that saying, I really did enjoy the next two summers with my new toy. The interesting thing is that those weekly paychecks that I had previously ignored were suddenly vitally necessary for gas, docking fees, winterizing, insurance and, of course, beer. I actually had to take on a second job to support my boating habit.

At 16 feet, my boat was the smallest in the marina, but I’m sure that I got the most fun out of it. Unless it was raining, or I was working, I was on it. I enjoyed endless hours fishing, water skiing, partying with friends or just cruising around the breathtakingly beautiful Thousand Islands. 

The marina where I had docked my boat was located several miles out of town at the base of a rather swampy inlet. There wasn’t much to look at aside from the surrounding weeds and scrub, and yet day after day I would see fellow boaters and their families and friends sitting on their 40-, 50- or 60- foot yachts that never left the dock. One day I asked the marina owner why these people never took their boats out into one of the world’s most beautiful settings. His reply: “They can’t afford to.” 

After I got over my shock he explained that many owners could barely hang on to their monthly obligations, and the per-hour cost of running their boats was just too expensive. As a result, most had to be content to sit on their boats and look at the swamp.

Although I thoroughly enjoyed my two summers of boating, my happiness meter was pretty high on the day I finally sold it. What a sense of freedom! I had taken quite a loss from my original purchase price, but it was a huge relief to put a stop to the endless bills that go with owning a power boat.

I was now 29, with some practical money experience. I was lucky to have saved up my little nest egg and learn a valuable lesson on just how quickly I could make it disappear. But that experience proved invaluable.

In the ensuing years, through various trials and errors, business successes and failures, I began to learn the basic laws of money and how to make it grow.

This program is not about my story, far from it. This program is about creating your story. I shared the above example just to say that I speak from first-hand knowledge. I have been in every financial situation imaginable, and I have experienced the range of emotions that can only come from being wildly successful to being convinced that no person on earth could commit bigger financial blunders than myself.

Experience is a hard teacher: she gives the test first and the lesson afterward. I have learned many lessons, and I’m certain there are more to come, but in writing this program I can absolutely confirm the veracity of these methods I am about to share with you. I, and countless others, have used them with spectacular results.

This program is not so much about saving and investing money as it is about creating a wonderful life. I happen to believe that it’s all but impossible to have a full life without the comfort of financial security. If I can help you on the road to financial freedom and steer you clear of some of life’s bitter lessons, each of us will have achieved our goals. I want you to discover a new way of living that will allow you to have everything you want and deprive you of nothing. 

This program will work with you twice a day, making each day a step closer toward your goal of financial independence. It’s a universal law of nature that we are the result of our thoughts, and so for that reason, the first part of this program is designed to give you a basic awareness of how you think. You will begin by understanding how your conscious and subconscious view money. This is a vital step toward discovering why you think and act the way you do toward money.

Although I’ll be your coach for the next 29 days, it’s really you who will be discovering and coaching your inner self to permanent change and lasting results. As we said in 29 DAYS ... to a Habit You Want!, you’re going to learn the rules and habits of money all by yourself. Remember our motto from the Chinese proverb:

 

Give a man a fish and you feed him for a day.

Teach a man to fish and you feed him for a lifetime.

 

This program is based on two principles that are as steadfast as the laws that govern gravity. 

First, it doesn’t matter how much or how little money you earn, you will always need just a little more. Second, if you set aside five to 10 percent of all that you earn, within a surprisingly short time, you’ll never notice its absence. 

At first glance the above statements can appear grossly contradictory, and with the wrong mind set it very well may be. But if you can change the way you think about money––and you will––you’ll quickly see that these two principles logically coexist, and they are part of nature’s immutable laws. 

How 29 DAYS will help you reach your financial goals

Five years from now you’ll have a financial status. Come to think of it, you have a financial status right now. If you’re unhappy with your present financial status, and if you don’t change your habits and actions toward money, then it’s a safe bet that in five years you’ll be five years older and still no closer to your financial desires.

The purpose of this particular program is to demonstrate beyond all doubt that you can determine your financial outcome. Do not count on the government or nonprofit organizations to take care of you. There’s no white knight or rich eccentric uncle on the way. 

If you commit to staying with this program for the entire 29 days, it’s an absolute promise that you’ll develop the mind set necessary to save, invest and achieve a lifetime of financial independence. 

~ Richard

 

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29 DAYS... to save money and achieve financial independence! - Book Package
INCLUDES - 29 DAYS ... to a habit you want! (Book), 29 DAYS ... to save money and achieve financial independence (Program)

Everything you need to save money and achieve financial independence in just twenty-nine days. 

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[Hard Copy] $29.99 Buy Now »

29 DAYS... to save money and achieve financial independence! - Advanced Package

INCLUDES - 29 DAYS ... to a habit you want! (Book), 29 DAYS ... to save money and achieve financial independence (Program) Twice Daily on-line email coaching sessions for twenty-nine days • The Million Dollar Bucket – an eye opening system to show you how to save thousands of dollars • The Debt Destroyer – a multi-faceted system for eliminating debt • Automatic Message Stimulator – send yourself customized messages and inspiring reminders throughout the day • Daily Coaching Videos • Lifetime Access to your program and your online personal Diary • Financial Abundance and Freedom and Independence

[Digital Download] $89.99 Buy Now »
[Hard Copy] $97.00 Buy Now »

29 DAYS... to save money and achieve financial independence! - Complete Package

INCLUDES - 29 DAYS ... to a habit you want! (Book), 29 DAYS ... to save money and achieve financial independence (Program)
Twice Daily on-line email coaching sessions for twenty-nine days • The Million Dollar Bucket – an eye opening system to show you how to save thousands of dollars • The Debt Destroyer – a multi-faceted system for eliminating debt • Automatic Message Stimulator – send yourself customized messages and inspiring reminders throughout the day • Daily Coaching Videos • Lifetime Access to your program and your online personal Diary • Three one-on-one half-hour coaching sessions with Richard. One session before you start the program, one when you begin the first day of action (Day 15) and a follow-up session when you're on your way into your new life of financial independence • Financial Abundance, Freedom and Independence.

[Digital Download] $299.99 Buy Now »
[Hard Copy] $299.99 Buy Now »

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