About Us

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Meet John Cummuta

John is author of the best-selling Transforming Debt into Wealth® system, The Banker’s Secret to Permanent Family Wealth™, the Debt-FREE & Prosperous Living® Basic Course, the Thomas Nelson published book, Are You Being Seduced into Debt?, Wealth Machine: How to Start, Build, and Market a Debt-Free Business That Fits Your Life, The Power of Perpetual Income, the Wealth Generator System™, The Credit Solution, the Thomas Nelson published book, Debt-Elimination 101, the Customer-Focused Direct Marketing book, the SPEED™ direct marketing system, and the Sales Machine™ database marketing system, and he’s co-developer of the DebtFree™ for Windows® debt-elimination software.

A personal finance educator

For more than two decades John has been a leading financial educator of his fellow Baby Boomers and their children. Americans facing qualified retirement plans invested in the dangerous stock market, a weak Social Security system, insecure and lower-paying jobs, dwindling pension plans, and the money-siphoning strategies of the banking industry have few options left to build a safe, dependable retirement. John’s unique financial strategy offers one of the few exit ramps from this highway to heartbreak onto the road to dependable, predictable, never-go-down, tax-free financial security. So far he has helped more than three million people worldwide position themselves to enjoy retirements most will only dream about.

John is best known for his Transforming Debt into Wealth® system — the Nightingale-Conant best-selling personal debt-elimination/wealth-building program. This comprehensive multi-media learning program teaches working people that the way to financial independence is not through ‘managing’ their debts, but through eliminating them. And through his latest breakthrough system, The Banker’s Secret to Permanent Family Wealth™, he delivers a rock-solid wealth-building engine that has become a financial foundation for hundreds of thousands of people across the country.

John is also a small business consultant, speaker, and seminar leader

John’s ‘Prime Directive’ is that a business of your own should first and foremost help you achieve the daily life you want to live. You should own the business, not the other way around. And the business should accelerate, not slow, your journey to debt-free financial independence. This philosophy is at the heart of his Nightingale-Conant published The Wealth Machine™ and The Power of Perpetual Income™ audio learning programs. These programs present step-by-step success recipes for the startup entrepreneur…and even the experienced small business operator.

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Meet Anthony Manganiello

Anthony Manganiello has been a personal finance educator and consultant since the early ’90s and began working with John Cummuta in the mid ’90s. He’s the author of the Wiley published book, The Debt-Free Millionaire™, and he’s creator of the Cash-Flow Analysis™ and DebtFree Academy™. The DebtFree Academy™ teaches people that everything they know about money is costing them a fortune. In other words, by following traditional financial advice like investing in “good debt,” paying themselves first, and budgeting, families are falling behind…WAY behind.

Two decades of helping people

He began working in debtor education in 1995, and since that time his strategies and software have helped hundreds of thousands of people from all walks of life get back on track — even folks who were bankruptcy bound. In September of 1999 Tony realized that the majority of people who were looking for help at that time needed more than just a “do-it-yourself” strategy, they needed real debt and credit intervention. They needed debt-relief services like debt consolidation or debt settlement, but he knew they also needed a tool to help them make the right choice.

This dilemma was the genesis of a research and development process that spanned nearly a decade, required an investment of millions of dollars, and encompassed tens of thousands of interviews with every day people looking for help with their debt and credit problems. The end result was the creation of Cash-Flow Dashboard and the DebtFree Academy™.

Anthony Is Also A Public Speaker & Small Business Consultant

Anthony has appeared on numerous radio shows and industry conferences, television, and before government agencies where he’s provided expert testimony for the Debt-Relief Industry. Additionally, he’s helped many small companies grow their businesses by helping them discover how to master the laws and rules in the business world.

A half century of wisdom

Between the two of them they bring nearly a half century of knowledge and experience to you and your loved ones.  On this site they will do everything they can to help you choose the SMARTEST path towards success.