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: How to master budgeting without limiting your lifestyle (no, it's not just skipping coffees every day) The guilt free way to spend (yes, spend) money Why the popular envelope method doesn't actually work. And what to do instead. 5 hacks for increasing your credit score (even if it's in the 400s right now) How one couple paid off $78,000 in less than 2 years. And how you can replicate their methods. What the millionaire next door types know, that you don't The correct way to save for emergencies A house is the best investment, right? Think again after reading this. 7 dangerous money myths which have been masquerading as truths for far too long Investing for absolute beginners - why the stock market, mutual funds or Roth IRAs are not terms you should fear 3 overlooked ways to turn every credit card you have from an expense into a goldmine The #1 type of investment to avoid as a new investor The win-win strategy for ensuring your employer invests in your future ...and much, much more. This isn't one of those "frugal living" books which tells you to live off rice and beans while never leaving the house for 10 years. This isn't a get rich quick off buying and flipping houses book either. Instead, you'll find no-nonsense, easy-to-follow advice - without any complicated financial language. Along with step-by-step guides for getting out of debt, plus how to make some extra cash on the side. So you can cover your car payments... Take a well deserved vacation... Or simply have a bigger safety net in your bank account... This is the book you wish you read in your 20s. So if you want to break the chains of financial slavery... scroll up and click "add to cart"