“After hearing Joe, my wife and I decided to fully take his advice. Within 5 days, we managed to make a budget work, work the IWBNIN Ladder to Rung 4, close 20 credit accounts, getting rid of 70k in potential debt, and have a plan on closing 100k in true debt within 5 years!”

“In one month’s time we were able to: not only pay all the bills on time but catch up on past bills, get my wife’s car fixed and rent a car while it was in the shop, use our bonus as an ACTUAL bonus, take a short unplanned vacation, and we currently have something we have never had before…a buffer in our checking account!”