The Debt-Free Millionaire
Winning Strategies to Creating Great Credit and Retiring Rich
1. Edition September 2009
304 Pages, Hardcover
Wiley & Sons Ltd
A timely book containing the tools to get out of debt and improve overall credit
The current economic climate has become increasingly volatile for the average American. As bankruptcy and foreclosure rates increase, more and more people are finding themselves with bad credit. The Debt-Free Millionaire offers a plan for anyone who has had difficulty managing credit. This book is based on cash flow analysis, a unique program offered by author Tony Manganiello. The book explains the basics of budgeting (cash flow) along with credit basics including credit score, credit history, and outstanding loans. Using this knowledge as a base, it will show people how they can take charge of their credit to insure a lifetime of debt-free money management and financial success. Some of the topics touched upon by Manganiello include: cash-flow analysis, credit counseling, bankruptcy, debt settlement, the Fair Credit Reporting Act, credit reports, and consumer credit rights in all states. With this book as their guide, readers will develop a better understanding of credit and use that knowledge to create a permanent solution to their debt problems.
Tony Manganiello (Dubuque, IA) is President and CEO of DebtFREE.com, Debt-FREE & Prosperous Living, Inc., and Tower Financial Corporation. He is regarded as one of the foremost experts on the impact debt-elimination services can have on a consumer's credit. Currently, he serves as a member of the Advisory Board of the United States Organization for Bankruptcy Alternatives and attends meeting with government officials providing testimony regarding the needs consumers face in today's economically challenging times.
Acknowledgments.
Introduction: Setting the Stage.
Step 1: Understanding Debt and Credit.
Chapter 1 What is Debt?
Chapter 2 What Is Credit?
Step 2: Identifying Where You Are so You Can Determine How to Get to Where You Want to Go.
Chapter 3 The Cash-FLOW Analysis and Why You Need One.
Chapter 4 Doing Your Own Cash-FLOW Analysis.
Chapter 5 Inside the Numbers: Different Categories Of CFI.
Step 3: Using the Results from Step 2 to Chart Your Course towards Becoming a Debt-FREE Millionaire.
Chapter 6 A Little Deeper Inside the Numbers: Potential Credit Impact of Adequate to Healthy CFI.
Chapter 7 A Little Deeper Inside the Numbers: When Your CFI Requires Mortgage Restructuring.
Chapter 8 A Little Deeper Inside the Numbers: When Your CFI Requires Debt Management.
Chapter 9 A Little Deeper Inside the Numbers: When Your CFI Requires Debt Settlement.
Chapter 10 A Little Deeper Inside the Numbers: When Your CFI Requires Bankruptcy.
Step 4: Identifying and Defining Your Retirement Needs, and Creating a Time Line towards Achieving Them.
Chapter 11 Accumulating Wealth and Retiring Rich.
Chapter 12 It Takes Money to Make Money: Accumulating and Living Off Your Wealth.
Step 5: Letting It All Sink In.
Chapter 13 Changing Is a Comin'.
Chapter 14 So Now What? The Debt-FREE Millionaire Action Plan.
Chapter 15 What about Our Economy?
Conclusion: The Real Identity Theft.
Appendix A: The Cash-FLOW Analysis Work Sheet.
Appendix B: Estimating Your Debt Elimination Time Frame.
Appendix C: Sample Amortization Tables.
Appendix D: Income Adjusted For Inflation.
Appendix E: Future Wealth (Nest Egg) Estimator.
Appendix F: Debt Payment Wealth Impact
Appendix G: Should I Save First?
Appendix H: Putting Your Debt-FREE Millionaire Plan on Cruise Control.
Glossary.
Notes.
About the Author.
A Free Gift from Me to You.
Index.
