The BEST Systems & Tools To Help You Achieve & Enjoy Job-Optional Income

Created and taught by two of America's top personal finance author/educators - John Cummuta and Anthony Manganiello - these courses, coaching opportunities, books, videos, audios, software, and support tools will put you on the most direct pathway to debt-free financial on Job-Optional Income!

SMART Wealth System Course $697

According to study after study, and our own market research, more than 90% of middle-class Americans are doomed to never be able to completely least not at anything approaching their working lifestyle. They are buried in debt, including student loans, and they're taking on more debt to raise a family and put their kids through school.

There IS a way to change that outcome.

We've spent nearly 3 decades helping millions of Americans eliminate wealth-crushing debt, and dependably build what we call "Job-Optional Income" for themselves and their loved ones, without stock market risks. If you have no debts, the SMART Wealth System can be of particular advantage to you, because of what we teach about cash accumulation/growth and non-stock-market investing.

DebtFree Millionaire Coaching System $389

For over 2 decades, our books, audio and software programs have helped millions of people learn how to become completely debt free, create great credit, and get on the path to building real wealth.

The DebtFree Millionaire™ Coaching System is the accumulated wisdom, success, and proven processes of more than a quarter century of our work — and you can have instant access.

With the the coaching sessions in this exclusive system, you'll discover how quickly you can become debt — and payment free — and liberate yourself from the tens of thousands of dollars a year in interest payments you're making right now!

The Banker's Secret To Permanent Family Wealth Course $59

One of the wealthy's favorite systems, to take uncertainty out of their wealth-building is the Private Family Bank, and in this course, you will learn WHAT it is, HOW it works, and HOW it can change the course of your financial well as the lives of family generations following you.

The Banker's Secret book Course is filled with detailed illustrations and explanations. It explains the WHAT and the HOW of a Private Family Bank.

The 6 videos focus on specific applications of your Private Family Bank, to meet your and your family's financial needs now and in the future.

The Cash-Flow Dashboard $9.87/month

The Cash-Flow™ Dashboard will guide you to achieve the financial success you know you deserve. It will do everything to help you automatically accomplish your goals except deposit money in your bank account and send your bill payments (that can be automated by your bank).

The Cash-Flow™ Dashboard is NOT a budgeting system. It’s a robust, personal cash flow management system that tracks your income, your bills, your payment due dates, and what’s left over after you’ve satisfied your monthly obligations.

It then takes what’s left over and employs its proprietary technology to navigate you to
true, debt-free, financial freedom.

Your Private Family Bank E-Book $19


  • If you had no credit card payments, no car payments, no student loan payments and no mortgage payments.

  • AND you could predictably build a sound and secure future without stock market risks — no guessing whether the stock market will go up or down today, or if it will crash right when you need to begin taking money out.

  • Meanwhile, you could purchase cars, vacations, tuition, and other life expenditures with the same dollars you're using to build wealth!

So how, exactly, can you do all this? The answers are in this book.

Great Credit for a LIFETIME $19

The term "credit" is perhaps the most misunderstood term in all of personal finance. Do you know exactly what it is, and how to make sure it's as good as it can be?

Is it possible to build a personal financial environment where CREAT CREDIT can just kind of "happen" naturally?

That's exactly what you'll learn in Great Credit for a LIFETIME! With over 125 pages of easy-to-understand, but comprehensive information, you'll learn exactly what credit is, and how to create a personal financial environment where it can happen for you all on its own.

Become Debt Free AND Build Tax-Free Retirement Wealth

Debt doesn't have to stand in the way of your ability to accumulate tax-free retirement wealth. Kick to the curb!

Copyright John Cummuta | Tony Manganiello