Rachel and I have been able to pay off just under $19,000 of consumer debt that we had gotten stuck with ever since the 2008-2009 crash; we’ve been trying to dig out of that hole ever since! But due to bad thinking, we kept cycling through the debt and not getting it fully paid off. Thanks to the Financial Fitness Program, we’ve been able to fully wipe out that debt. The only thing we have left is our house, and we are so excited to just start pounding on that as we develop a passive income stream in our business! After our continued studies we realized that what we thought were assets were truly liabilities working against us. We shuffled around our investments and sold one investment property and paid off another $230,000 of debt that we previously considered an asset. Now we truly have assets working in our favor. While the numbers are smaller, the gains are actually much larger and stable with little to no risk. We are so grateful for the Financial Fitness Program and all that it has done for us. Absolutely amazing! It took us 6 months of studying Financial Fitness to really put things in place and wipe out that debt. We are so excited!!”
Spencer Haymond

One of the greatest lessons I’ve learned in life is that applying the right information in your life will bring you the right results. The Financial Fitness Program taught me the truth about finances that I never learned growing up, and I’m more than grateful for being introduced to this information at the age that I was! I always thought that I was better than average with the management of my finances, but my continuous lack of results in the right direction was a smack in the face. The ‘Green Box’ eventually showed me that I had some things to learn. Talk about a piece of humble pie! When the Financial Fitness Program was introduced to me I was going to school full-time and working 2 part-time jobs, living paycheck to paycheck and neglecting my savings account. At the time I hated spending money but still rewarded myself with things that I wanted because I felt I had deserved it with all the hard work I’d been putting in. I always had just enough money to pay my bills and whatever was left went into the ‘I Deserve It’ fund. I was always thinking and stressing over money! I tried to pack as many labor hours in the day as possible just to get more of it, and consequently it was taking a huge toll on the health of my mind and body. Eventually, I had some close friends and family tell me I was burning the candle at both ends and needed to go get tested for depression and anxiety, and when I did my results were through the roof! I had the highest anxiety levels possible – this ‘money thing’ was literally killing me - and I was only 20!! So far, after just over 8 months, I’ve paid off over $7,000 in debt including credit cards and personal loans and I’m just a couple months shy of paying off my car loan. I’ve put several thousand dollars in my savings account and in an emergency fund (I promise the pillow is softer now!), whereas before I could hardly keep a balance in any account! I’ve also accumulated hundreds of dollars in gold! I no longer live paycheck to paycheck or battle with depression or high anxiety levels, and I feel so much more secure in my finances! Whereas before I dreaded waking up the next day to have the ‘money thing’ eating away at me yet again, now I’m so excited for the future and I’m just getting started! I also haven’t increased my income at all, in fact I actually left my second job; all I’ve done is applied the information I’ve learned from the ‘Green Box’ into my life. I can’t wait to share my testimony of what this powerful information is doing in my life with even more people because this program offers hope to everyone, and best of all… IT WORKS!!
Joshua Rickards