Are you tired of watching your bank account drain and credit card balances rise? ...All while wondering where the heck your money is going? Living without money worries isn't a fantasy, but if you know the feeling of staring at tens of thousands of dollars worth of debt - it sure feels like it The average American now has $38,000 worth of debt... What's even more shocking is, that figure excludes mortgages! The good news is, the path to financial freedom is 20% knowledge, 80% behavior... But you must have the right knowledge. Knowledge which isn't taught in school or by your parents. Which is why so many people are still living paycheck-to-paycheck each month. So if you're one of them, don't worry. Here's the deal. Most conventional debt and financial advice is overly complicated and irrelevant to the average American. What's worse is... this advice is often designed to benefit the credit card companies... and not you and your family! In fact, you only need to follow a few key principles to turn your financial life around. By following the proven steps inside... you can properly pay-off your debt... and pay for your life... without relying on credit cards. Here's just a fraction of what you'll learn inside: