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 retire...at 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.