Dave & Shirla Wheeler of Bountiful cut nearly $1700 from their monthly spending by working together, tracking their money, planning ahead, and making careful spending decisions.
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The following video testimonials require use of the Adobe Flash player. To start a video, press the play button located at the lower-left of the video's picture area.
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Agnes Brown
As a homeowner living paycheck-to-paycheck, only home repairs that were deemed an emergency were fixed in a timely manner (and only after every home remedy was exhausted). I have been maneuvering for years around buckets under leaking sinks and bathtubs where water flows from the shower and tub faucets, simultaneously. After awhile you learn to adjust to the inconvenience and you don’t think about it until you have guests. Recently, a friend of one of my daughters visited, who is quite skilled in home repairs. He offered to work on my plumbing “issues.” I’ve had offers before but the money for the parts and labor just wasn’t there, or as my mother used to say, “I would have had to rob Peter to pay Paul,” in order to take anyone up on the offer in the past.
But thanks to what I’ve learned with the Money Mastery® program, I used my credit card (which now has a zero balance on it) to purchase the parts that were needed, and I knew the funds to pay off the balance (before interest accrued) and to pay for the labor were available through my emergency savings. Now I can finally get my bathroom fixed.
It will be even more exciting when my “home repair” category in my spending plan has grown to the point that I will not even have to use emergency savings to take care of the other problems in my house. With a spending plan and the things I’ve learned with Money Mastery, I will soon find the money I need to take care of myself. If I had one word to describe how I feel, it would be “empowered.”
Thanks to Money Mastery I look forward to paying my bills and reconciling my bank statements. I now ask questions instead of just giving up.
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Alice Faro
Since joining the Money Mastery® program and with your mentoring, I’m now focused on my finances. When I first started with the program, you told me to open a savings account. I remember saying, “I’m putting all extra monies on the credit card bills,” which at the time, I thought was more important. Now I’m maintaining $300 a month and still powering down on the bills. I paid one credit card in full last month and another one will be paid in full next week. I have targeted May for one card and November for another one. The last one should be paid in September of next year. How’s that for short and long-term planning? All monies then will go into savings. I must say that without Money Mastery’s guidance, I seriously doubt that I would be this far.
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Amy H., Utah
We have always paid out tithing [to our church] and been richly blessed. But today I think we also get many blessings from putting and keeping our finances in order. I cannot tell you how much the Money Mastery® program has blessed our lives. Thanks for all your help!
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Andy & Sheri L.
Alan has been a great inspiration and coach, we do not look forward to the end of our coaching sessions with him. You have pushed us to stay on track and to succeed where we thought we would surely fail. You helped us save our house and our financial future. Sheri and I thank you from the bottom of our hearts for your compassion and patience. Thank you again!
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Bill & Mary Ellen Barry
My wife Mary Ellen and I have been married for more than 26 years. Ever since the beginning of time we have had difficulty with our finances. Granted as two young kids, we never thought about money, nor were either of us taught the value of a dollar. As time went on we had two children, a girl now 25 and married and a boy now 19 and in the Marines. We are now considered “empty nesters.” However, our financial hardships of 25 plus years finally came to a head last September when our daughter got married. To that point we were in decent shape with a meager savings account. Due to the wedding our cash flow became totally depleted and our credit card debt grew out of control. Our bills far exceeded our net income and we were having difficulty meeting our monthly expenses. We didn’t know where to turn.
While watching the television one day, we happened to see an infomercial regarding financial control, powering down your debt, early retirement, having no worries, etc. and we decided to make the call to order the Money Mastery® program. Now we are committed to become successful. We are reducing our credit cards by paying our minimum payments on all except our “target” card. That one is being “powered” down by using the payments from other cards which we previously eliminated by the same method. Our daughter even helps us with the program. She realizes how much we went into debt for her in preparation for the wedding and our need to seek outside help in gaining control of our debt. She knows about Money Mastery. She and my wife went shopping for something my daughter needed. My wife saw something she liked and was about to make that “impulse” purchase when our daughter asked “what would your coach say about this?” With that, my wife returned the item.
Recently, our car battery went dead and we needed a roadside boost. The tow truck driver suggested we go to Sears for a low battery test and if necessary get a new battery. We did. While at Sears we got a good deal on a new battery. We were about to buy the battery on our bank debit card, but I asked if I could get a discount if I used my Sears card (21% plus interest rate). The manager gave me an additional 10 percent off on the purchase. At that point we agreed to put aside the money from our checking account and reserve it for the Sears bill to pay it off immediately. This is something we would never have done in the past. One of my quirks is that I wear starch pressed shirts prepared at the dry cleaners. Our coach has gotten me to take my shirts to the cleaners every second week as opposed to weekly. I will even wear a shirt twice now. He suggested we pursue lower interest rate credit cards or contact the ones we had to get reduced percentage rates. He suggested we look into other insurance companies to reduce our monthly premiums or to increase our deductibles to do the same. He has become our voice of reason.
We believe our coach has become an extension of our family. He directs
us, empathizes with us and guides us to seek alternatives. While I realize some of these changes are basic and common sense, they are things we never thought about in our 26 years of marriage. Money Mastery and our coach are helping us on a road to recovery. We both constantly think about our expenses and our present financial situation. Comparing it today to that of even a few months ago is like night and day. There is light at the end of the tunnel and we owe it all to Money Mastery.
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Birk Pope
All of my married life I have spent month after month just barely getting by. My wife and I have come a long way over the years and we now have a family of seven with a moderately comfortable lifestyle. Yet it seems that every month the money is just a little too tight. The credit cards are always tempting us with another big ticket purchase.
I do not especially like this type of lifestyle after 16 years. But thanks to the Money Mastery® program we are making changes. Our first goal is to pay off all credit cards. I am hoping that through the principles I learn in the Money Mastery program I will be able to do this within the next 18 months. The second goal is to increase my 401(k) donation from 3 percent to 5 percent and eventually go to 7 percent of my gross income. My third and fourth goals are to pay off my second mortgage and then pay off my first.
When these goals are reached, I will have a number of benefits. I will have peace of mind each month, I will know just how my money is working for me. I will have more security with each passing year as emergency savings and long-term savings continue to accumulate. I will be able to realize an increase of $300,000 to my retirement plan.
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Bob & Dorina C., New York
Thanks to the Money Mastery® system, we now are following the right path to a much more secure financial future. We have learned a great deal about ourselves financially as well as emotionally thanks to you. Money Mastery is now part of our every day lives. Our financial decisions are all made within the concept of the 10 Principles outlined in the book. We find the Spending Registers are certainly helping us in tracking expenditures, as well as monitoring our spending based on our planned amounts. The software provides us with the resource we need to look at our financial picture in the past, present and future.
Not only has the Money Mastery system provided us with peace of mind, but we are also looking forward to teaching these principles to our children, so they too will have the opportunity to make financially sound decisions in their future. Thank you again for all you have done!
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Brian Siniff, Texas
The Money Mastery® program has really benefited us. It has opened our eyes as to where we are spending our money and on what we are spending it on. For the first time in our lives, we have extra money at the end of the month.
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Bruce Ellsworth, Utah
I have to tell you that the Money Mastery® program has been the best thing to come into my financial life. I’d been living month-to-month, blind. I didn’t know where my money was going and had no plan to get out of debt. It was really frustrating. Now I have total control every month and it’s so easy to keep track of my spending. The mymoneplan.net community site is an amazing tool to help put all the pieces of the puzzle together. I can’t believe how the stress and worry have diminished from my life. I can now live within my means and enjoy life at the same time. Thank you so much for an amazing program everyone should be introduced to!
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Cheryle Packard
When beginning the Money Mastery® program, I was basically ignorant of my total income as well as where it was going. It was certainly a shock to see basic expenditures, such as groceries, as high as they were…I just knew that there was no chance I could spend over $200 per month for groceries. Needless to say, my grasp of the realities of what I spend per month has been extremely helpful and has made me very aware of where I want my money to go.
I also thought I had a good idea about my long-term investments; I see that I did not. I have learned that there are more vehicles for investing than I have been aware of. The estate planning has been very helpful as well as the Tax Strategies. The biggest asset in this learning process, has been my coach and the knowledge and guidance she has provided. Thank you so much!
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Chuck & Linda Berlinger
We want to tell you how much we appreciate what you have helped us accomplish over this past year. We managed to get ourselves in one heck of a mess and really couldn't figure out how we were going to get out of it! We now have a plan and can see the light at the end of the tunnel. I can’t tell you how that makes us feel! We truly believe the Money Mastery® program has been a lifesaver to us and can’t thank you enough!
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Cindi and Doug - California
 Since using the Money Mastery Spending System we are seeing the surplus grow, no doubt about it! Money Mastery's Spending Planner and Spending Masters have already paid back our [coaching fee] and will continue to do so for years to come. Thanks Alan!
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Cindy & Brent Tolman
Thanks for all your help. We actually have approximately $150 that we have saved for various activities including Christmas. This is encouraging, because if we can save that much and pay cash for ALL our Christmas gifts, we can save at least that much each month. After Christmas, we believe we will be able to save this money as planned and have money for family vacations, the kids' allowance, some pocket change for Cindy and I, money to put into savings and still make all our payments plus a little extra.
It has only been one month that we have been tracking our money like Money Mastery teaches and it has already started working for us. And even though we started right after getting a raise and had more available to spend, this has helped us focus on saving money and not getting behind the eight ball again. Thanks!
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Craig and Erin - Florida
 As clients of NSG (National Seminars Groups) for nearly 10 years we have enjoyed quality, detailed, and well executed training from the only premier seminar training group we recommend! During one of their training courses in mid 2007 we were pleased to find such a well organized and thoroughly planned out "Money "Mastery" course available via book and CD. Sure we were skeptical to purchase the Money Mastery book not to mention join their coaching program.
However, after speed-reading the book — it is so well laid out you can barely put it down, we found ourselves wanting more! We read the book a second time within just a few months, not to mention some items off Money Mastery’s recommended reading list, too. From simple methods to track spending to better understanding savings planning all the way to retirement preparation and even taxation, the book MONEY: What Financial “Experts” Will Never Tell You and their mentoring programs are winners hands down!
We now can't stop talking about the 10 Money Mastery Principles and even the tax laws and deductions we have learned about that are providing us a path to help start a part-time home business, something we have wanted to do for years. Money Mastery is NOT another financial lending or investment company! They are a dedicated team of experts that understand money and the emotional bond it has on all of our everyday lives. Once they helped us understand this, we were able to first track, then slowly gain control of our spending, eventually building savings — all with the same income we started with from day one! Imagine that! The Money Mastery book, audio series, and professional coaching team helped us realize then quickly eliminate our $500 per month credit card spending, all of which we were only paying the minimum monthly payment on, and quickly digging a big hole we wouldn't be able to climb out of. Today, we think before we spend and know what we can and cannot afford. If we want something, no problem, we plan for it and know it will happen. In the past few months our mini van needed four new tires and then my car unexpectedly needed one tire as well (several hundred dollars to say the least). In the past a credit card was the only way we could have covered it, but guess what? We paid from our emergency savings account for all of it! Good as cash in our hands!
We used to say "We can't afford to live this way, I need a raise or I have to find a better paying job..." but the answer was to get a grip on our spending with Money Mastery! Get the book, get involved in coaching, and get on track right away — you can't afford not to!
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Craig Jelinek
The Money Mastery® program has helped me develop a spending plan by using the Spending registers each month to track what I was actually spending money on. The Spending Planner has helped me see where I could possibly cut some expenses to help stay within my means. Being shown how to use the power down payment method has helped me pay down my credit cards so I could reach a reasonable payoff date and discover how much the interest on the cards was affecting my actual debt. Money Mastery has helped me look at how my retirement will play out with Roth IRA, traditional IRA, Social Security, stocks and mutual funds. By reading suggested articles and books, I have expanded my investment knowledge. The Master Planner has given me the opportunity to get all my personal things together in one place and to ensure everything is executed the way I intend. The Master Plan software is a nice tool that gives me a constant update on information. By continually using the Money Mastery principles, I feel that I will become debt-free and enjoy a happy and fruitful retirement.
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Dana & Mark Ford
I wanted to share an important experience that Mark and I had with the Money Mastery® program. When we started the program we built a spending plan that covered our expenses and provided a small contribution to savings and debt elimination. Mark and I felt confident that we had trimmed the fat out of our spending and the plan was very tight. In June, we received word that Mark's salary was being cut by 25% due to the economic slow down. We did not know where this money could come from since we had built such a tight spending plan. We were looking at options to defer some of our debt payments and we were concerned about covering our bills. Alan challenged us to look more closely at our plan and review our categories again. After an honest and thorough review of our plan we were able to trim enough expenses from our plan to cover our reduced income without deferring any debt payments. This exercise showed us that we can be much more aggressive with our debt elimination plan once Mark's salary is reinstated. I want to thank you for challenging us to take an honest review of our plan. You did not let us off the hook and we had the tools to deal with this interruption in income responsibly and strategically. Prior to Money Mastery this kind of setback would have thrown us into panic mode. Mark and I feel empowered by this achievement and we are seeing the results of working the plan. Thanks again for your support!
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Darren and Kris - Utah
 We can’t express enough thanks to Peter and all of you at Money Mastery® Coaching Services. You have done so much for our family since we joined your team over two years ago. Before Money Mastery, my wife and I, like so many other couples, would argue over money, and where it was being spent. We used to live from paycheck to paycheck. We would get paid and hurry to the bank to beat the checks we had written, so they wouldn’t bounce. After learning the 10 Money Mastery principles and being coached by Peter Jeppson, things have changed drastically. There have been times that my wife and I have had checks that haven’t been cashed for a couple of weeks. I can’t remember when the last time we argued over money, except when joking. Thanks to Money Mastery we were able to have enough money put away into savings before I was activated with the military. While I was on active duty my pay was reduced by thousands. Having learned the 10 Money Mastery principles we were able to modify our budget and use some of the savings to get us through. Many of my comrades have not been as fortunate. We have saved hundreds of dollars and have been able to recover the money we initially invested in Money Mastery. Once again we appreciate all you have taught us and will be ever grateful for helping us start our journey toward financial freedom.
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Dave & Andra Kaufman
Freedom from W-2 employment (thanks to you, Peter) is awesome! Personal development and increasing vision thanks to the Money Mastery® program are the best rewards. It amazes me how “broke minded” we were. Our relationship with Money Mastery started the journey and we am thankful we no longer “settle for less.”
We are always mindful that Peter was the catalyst for staring our belief in ourselves as well as opening our minds to the endless possibilities that exist in the world for us. We encounter people on a daily basis who have been working their jobs for 10, 15, 20 years and don’t have $299 to invest in a business opportunity. They have the money, they just don’t know it because their $5 Mocha Latte at Starbuck’s every morning and their $9 lunch eats away at any hope they will ever have of owning their own life.
As the story unfolds, our only debt will be one of gratitude to you Peter for being you and being there for us.
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Dave & Shirla Wheeler, Utah
 It has been a year since we first signed up for coaching with Money Mastery and let me tell you what a wonderful year it has been! We are amazed at our financial turn around in just one year. We need to sign up for another year of coaching! Thanks again for all you have done for us. We had our weekly meeting last night and reflected on the past year. We have reduced our debt by $25,000 since signing up less than a year ago!
The Master Plan Software is also a wonderful tool to help track our money and formulate a plan for retirement. It is a powerful and effective program in planning a debt elimination strategy and to manage expenses via the Spending Planner. We have enjoyed using the Master Plan software. We are surprised with how much extra money we are able to save on a monthly basis by proper planning using this software tool.
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Dave Richards
I just wanted to say thank you, Peter. With your help and following the Money Mastery® program, I am free of credit card debt. It really feels like a load of bricks has been lifted off my shoulders. Although I still have a truck payment and house payment, I am confident I will have them paid off far sooner than I ever imagined. Thank you!
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Debbie I., California
Thanks again for your patience and guidance. I can't begin to express the impact the Money Mastery® program has had on my financial well being!I!!!
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Delisa Dean
It’s hard to believe that just a little over a year ago, we stared with the Money Mastery® program. What seemed like a pretty weak beginning has blossomed into a strong financial future this past year! We are still enjoying the spending plan and tracking registers and all the principles of Money Mastery taught so well by you, Alan. The coaching we received was definitely worth the investment.
What has also been fun is knowing that our taxes were paid in full three weeks ago with money that I had saved expressly for that purpose based on what I have learned through the Money Mastery program.
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Diane Wagner
Why was my head hurting, stomach turning, and back stiffening up? Could all these symptoms be from signing a contract to receive financial coaching with the Money Mastery® program? Why couldn’t I find my Mr. McDreamy to take care of my financial needs? Within just three short months of beginning the Money Mastery coaching program, however, my parents wanted to know what I had been up to, since they had seen a change in my persona. I told them it was the financial freedom I was starting to experience. It was the step-by-step program that provided me with the knowledge and control of how my money would be spent. As my coach and I discussed ways to save money with my auto insurance I noticed my head was no longer hurting. When I hung up the phone, instead of crying about all my financial troubles, I knew exactly what needed to be done. By the way, the total savings on my auto insurance was over $400 for the year. My only regret is that I did not take control of my finances sooner. I want to thank Alan for his support and guidance as I work on becoming a wiser person with finances. Thanks!
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Gail Coates, Pennsylvania
Thank you Peter and Alan so much for writing MONEY: What Financial "Experts" Will Never Tell You, and for the Money Mastery® program. Little by little as I go through the coaching sessions, I feel that I have made one of the most valuable decisions of my life. I'm looking forward to a very long-term relationship with Money Mastery Coaching Services. Thanks so much!
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Gary & Carol Olson
On June 1 of this year, Carol and I had 14 open accounts including our unpaid real estate taxes. As of today we are down to four open accounts. Our debt load is $65,000 less than when we first spoke with you about starting the Money Mastery® program. In five months we will be down to just our first and second mortgage. Our accelerator payment [on our debt] is now $4,000 per month. One year ago we were overspending to the tune of $4,000 per month, [now we are putting $4,000 on debt instead]. An $8,000 turn around seems simply inconceivable, but it is fact. I don't know whether to be overjoyed or embarrassed. Perhaps, but for the pain of debt we would have never truly understood how to most efficiently manage our money. Thanks to you, the shine of freedom has penetrated the cloud of debt. Our future has never looked brighter!
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George & Doris Walker
The Money Mastery® program has helped our financial welfare by showing us how our money was being spent. By making a Spending Planner and using the booklets we were able to see how we were spending our money and how we could track and control it.
By understanding our debt, we were able to get lower interest rates on our credit cards and then power down our payments. We learned to save money and start planning for our retirement. We learned to organize our finances and understand how taxes work at home and at our business.
By using the Money Mastery principles we will be out of debt in a shorter time period and be able to save and invest for our retirement. Thank you!
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Gloria Graham
Thanks to the Money Mastery® coaches for all their assistance in getting us on the right track. This program is making me so hopeful about the future. I truly see the blessings in the program and how it helps you to make decisions. I am definitely [becoming] more aware of the purchases I make and keep track of them within my plan. I think we will be tight for a few months, but the benefits outweigh any discomfort. I know I will be more accountable going forward and not feel the dread of being on a continuous merry-go-round. I now feel I have a reasonable place to put extra earnings that I make and not feel as if I just put money in a huge sink hole. Thanks for helping me view life through a different lens!
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Helen - Washington
 I retired at age 61, after 40 years of working in a clinical laboratory as a Medical Technologist. My partner, Donna had already retired. We felt very secure with a $200,000 nest egg and Social Security. We hired a professional financial advisor and for a year or two our retirement was great. We even took a couple of trips. Then the stock market dropped. I called our advisor several times and every time he told me not to worry, the market would come back and we would be fine.
We lost everything except about $20,000 which we invested in a couple of rental houses and fixed up the 10 year old cars, knowing it would be a long time before we could replace them, if ever. For the first time I understood why "people jumped out of windows when the stock market crashed." It is an understatement to say that we were devastated.
Fortunately, I had been teaching a class or two at a local community college. In addition I found part time employment in a small laboratory and worked part-time as a in-service representative for a scientific supply company. Donna's health problems did not allow her to seek outside employment, but she handled the rentals. We refinanced our home, got rid of our unsecured debt and scraped by. It was a very scary couple of years.
Then one day my sister called and invited me to go to a Money Mastery meeting. I was skeptical, but desperate, so I accepted her invitation. Although I was excited about what I heard that evening, I was more than reluctant to spend any money on it. We had managed to stay out of credit card debt for the past year and neither of us wanted to get back into that cycle.
After talking to Peter, we decided to treat Money Mastery as a class. The up front money was the tuition as well as an investment into the future. We made a commitment to see it through. That was six months and a world ago. We now track everything, we read the fine print on everything, and we read the paper with a new understanding of world finance. Changing a lifetime habit of sloppy money handling can be slow and frustrating, but with Peter's patient coaching we learn more with every lesson which keeps us motivated.
Recently my part-time teaching position turned into a full time contact. Thanks to Money Mastery we will be much more informed about careful handling and investing. Our future once again looks bright. We are looking forward to a second retirement in just a couple of years and hopefully a nice trip or two. Frankly, we owe it all to Money Mastery's philosophy and coaching and to my sister for telling me about it.
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James & Jenna Beers
My wife, Jenna, and I have always shared the same frugal ideas when it comes to our finances. When we began coaching with Alan over a year ago, we weren’t in any imminent financial danger but we both recognized a need to gain greater control over our finances and save for the future. Alan taught and coached us through our application of the 10 Money Mastery Principles. At first, practicing the principles took some extra effort and discipline. But after a few months, organizing the spending plan became not only a habit but also enjoyable as we realized we were saving money and saw extra bucks here and there as we cut back on unnecessary spending!
I also started noticing some of the differences by watching my co-workers and their spending habits. Most of my co-workers were single and making about the same salary I was making but they always seemed to be short on cash. I was supporting not only myself but a wife and little boy — on one income — and yet we were getting along just fine and still managing to save 10 to 12 percent per month!
Alan’s coaching not only taught us how to spend, but also to seek out ways to make more money. Health benefits through my employment at the time were nearly $600 per month and I felt my salary was low for the training, education and experience I had. Eventually I took a new job where my salary was greater and health benefits were over 10 times less than previous health insurance. The employment move freed up a lot of money we were spending on health insurance. But we didn’t go hog-wild with the new-found money. We took our spending plan instead and determined how much money we could set aside for a house payment each month. With that amount we found a house that we liked and that fit our spending plan. After almost a year of coaching with Money Mastery and following the principles, we have paid off all debt except for our mortgage and have managed to save over $10,000. But the biggest surprise is that each month we go through our spending plan and find hundreds of extra dollars that we can apply to paying off our house early! It is not just the saving emphasis that has helped us gain better financial security but all of the principles combined. Both of us agree that Money Mastery is one of the best investments we’ve ever made. Thank you Alan!!!
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James P. Christensen, Financial Consultant
The Money Mastery® program gives participants a proven, simple, no-gimmick system anyone can use to regain their financial health and create financial freedom. I have seen this principle-based system used effectively with hundreds seeking financial independence. I personally use it and highly recommend it.
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Joe & Tracey Johnson, Nevada
The Money Mastery® program has made it possible for us to finance my grandmother’s home. We could use our Spending Planner to plan and know how much we could afford and whether we could finance the project or not. Thank you!
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John & Brenda Gallagher
We really see the big picture [thanks to the Money Mastery® program] and have started giving advice to our relatives, when before we would never have said anything! The savings accounts alone for us have made a large impact on our lives for getting us on track!!
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Joseph Reynolds
[Since joining Money Mastery® Coaching Services ] I’ve taken some dramatic actions to put my life in order and I can assure you that I have made sure that if Marion outlives me she will be very well taken care of — the house will be paid off in full and she will have a lifetime income exceeding $3,850 per month. I remortgaged the house and paid off every bill that I have, cut up every credit card that I own, and got additional life insurance of $250,000 to make sure the house is paid for if anything happens to me.
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Ken & Barbara Russell
We just have to express how much the Money Mastery® program has done for our life. In one short year we have made such a difference in our thinking and planning. For the first time in our marriage we have a plan for our future. In just five and a quarter years we will be debt FREE! Our plans are to retire at 60, and we are well on the way of being able to do this because of the great Money Mastery system. The best move we ever made was to send off for this program. We have got people coming to us all the time and asking how to do what we are doing now. You’ve made a believer out of us. We started out with no savings, no retirement, no plan of how to get out of this living check-to-check. Now we have, in one short year, been able to start a retirement 401(k), a money market account, a mutual fund, a regular savings account, and have paid off three cars, two furniture payments and as I said before in five years we will be debt FREE! We thank Money Mastery for showing us how to work with money.
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Lou Ann R., Maryland
Thanks for all your help! I sleep better at night now because of the Money Mastery® program and dream of all different ways to reduce our debt!
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Mark B., Utah
Man are we on the ball now!! I feel much better about things thanks to the Money Mastery® program. I just wanted you to know that when we signed up with you it was on “faith.” But...”believing is seeing.” I’m excited, honestly to the bone excited to see some of the potential of what the program is teaching us.
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Mark Carson
After following the Money Mastery® program, I calculated that we are over $10,000 ahead of where we would have been without it. It is hard to believe how far we have come in 10 months. Not only is there light at the end of the tunnel, but it is getting brighter, and for once it’s not a train coming at us!
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Melinda Downing
When we first began the Money Mastery® program and I began to understand what we were going to have to do, I thought it was going to be like caging a wild tiger — something that was fierce, wild and out of control.
Over the months however, we have learned much about our spending habits and the emotions that go with them, including the frustration when we miss our goal and the joy and peace when we are within the goal. Learning how to anticipate expenditures has been very enlightening and has taken a lot of pressure off of “paying the bills.”
We were told that our marriage would be better and closer [if we applied the Money Mastery Principles]. I didn’t believe it, since we have had such a close marriage. The truth is, our marriage is better. I didn’t realize we had built-in defensiveness, especially when it came to money issues. I realized this the last weekend in October and I was starting to
balance the month between projected amounts and actual. As I was
balancing our income, I realized I made a big mistake in our projected
amount by figuring five paychecks instead of four. September had five
pay periods and I copied the information instead of thinking about it.
Now it’s time for our weekly meeting and I had to confess to Randy. I
dreaded it because we had been doing so well and I hated to throw a
wrench in it. So I told Randy, “I really messed up!” He said, “I
forgive you.” I said wait until you hear what I did. After I told
him, he still forgave me. Then we worked out what we had to do to fix
it. Fortunately, he had worked some overtime, so that offset half of
the problem. With several spending cuts, we worked out the rest. What
made this potentially bad experience a good one was that there was no
fighting, blaming or criticism. Last year, Randy would have said,
“Where did all our money go?” and I would have been defensive. Our
Money Mastery coach never said we would never have money problems
again; instead, because of your great coaching and the lessons on Money
Mastery, we know how to deal with those problems.
We don’t have to defend ourselves anymore. We had the same goals before we started this program, but we worked at them differently. Now we work on them together. At times it has been difficult, but the mere thought of returning to our old ways is frightening! There is no going back. We have had to persevere and overcome our weaknesses, refine our methods.
After six months we are seeing the fruits of our labors. The wild tiger has been caged and it doesn’t seem so fierce now. It is great to gain control and see progress that will affect the rest of our lives. Thanks!
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Michelle Brewer
I got an extra $1,700 return on my taxes thanks to the Money Mastery® program! I went to do my taxes and when I came back from the accountant’s it showed that I would receive a return of $1,800. Then I began to look a little closer at Schedule A and saw that the accountant had left the mortgage points on my loan off the info on Schedule A. I went back and the accountant realized that she had forgotten to include this information, and when she did, my actual return was $3,500!!!!!
It was thanks to the information that my coach reviewed with me on Principle 9 that made me aware and realize that something was not quite right. If we had not gone over the system of how taxes really work, I would not have realized that the accountant had made a mistake and would have left $1,700 on the table !!!
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Mike - Utah
 For many years my family barely got by financially — barely got by even though at times I would work two jobs. But, it was not unusual for my wife and me to believe we were doing better than reality.
I have been a Money Mastery student for 4½ years. At the beginning, we were a mess: significant consumer credit card debt, no real savings, pretty poor communication and relationship challenges (dare I say = money fights) which made family life miserable. Not being able to sleep was a classic symptom I experienced. Today is different. I can express with absolute conviction that the Money Mastery® program works. I know in my heart it would have never happened or taken much longer, significantly longer, to get out of the mess we were in if I had not found Peter Jeppson and the Money Mastery program. I no longer have sleepless nights. And while both of us work, we pay our bills, we both contribute to our respective employers’ 401(k)s, we have money in savings (and growing), and we did not have to borrow money to send our last child off to college. And, we did not declare bankruptcy. The consumer debt noted above is almost completely eliminated. I am grateful to be a Money Mastery student and practitioner. I recommend Money Mastery without reservation.
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Nancy S., Ontario, Canada
Knowing that I'm one step ahead of the masses because I'm learning to do something about my spending and saving makes me feel so much better. I can certainly relate to "living outside of one's means," like so many people do, like we did for years. But I had no knowledge as to the extent of my overspending until I started studying the Money Mastery® material. I thought we were the only ones living pay cheque to pay cheque (aside from social assistance recipients)! However, now I feel as if I'm coming out on the other side of it all as a result of working with you. Hopefulness is a invaluable state of being. With it comes mounds of positive energy, enthusiasm and productivity. I really like the fact that the Money Mastery® program does not endorse
anyone’s financial services or products, but will give general
opinions when asked. Your service is tailor-made for me, a service
that takes every aspect of my financial life into consideration (the
personal, emotional, and professional). Inherent in this service is
sound financial thinking based on years of financial and psychological
research about money and how we use it in our society — what’s more,
the program delivers without all the sales hype that so many financial
planners spew out. The Money Mastery program is great and just what so
many of us need. Thank you!!!!
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Paige Miller
Thanks to you, Alan, I finally feel like I have someone on my side, someone who is knowledgeable and dedicated to my worries, needs, and concerns. You are unlike some of my family members who were always working against me, had no time to help, or were as clueless as I was!
Having a pro at my disposal is a HUGE benefit in many ways, from providing immediate peace of mind to giving me the analytical skills and information I need to make important decisions such as what should I do with that condo, what do I need to do now to make sure I have enough money at retirement, and how all the different decisions work together as a whole. Thanks for all!
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Rebecca Cunningham
Getting married while my husband was still in college, we found using credit cards to pay for our groceries, clothes, and other items we needed was an easy way for us to make sure we had enough money to pay for our rent and other bills at the end of the month. We stayed in this “comfort zone” building up a credit card debt of close to $30,000. With student loans of over $30,000 on top of that we knew things had to change. We wanted to be able to buy a house, we definitely needed a new vehicle and we wanted our children to have some money to go to college with and not have to accumulate so much debt when they were starting out. We were living paycheck to paycheck with nothing to show for it. We weren’t knocking down our debt only adding to it. From listening just to the Money Mastery CDs we knew we could get on the right track and we started putting our Spending Plan together using the guidelines of your program.
I hated where our finances were going and I wanted to change. We had just moved to a new community and felt it was the right place for us. We were a little disappointed that we weren’t able to buy a house as soon as we thought but we are constantly knocking our debt down and we know that soon our dreams will be able to come true. Money Mastery has given us hope, hope that was lost just a few months ago. Thank you for all you have done for us.
Applying the Money Mastery principles really works; we were able to see changes in ourselves immediately. This program really has changed the way we look at everything.
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Rene Gellatly
I purchased the Money Mastery® program a few years back and I am happy to say the only debt I now have is my mortgage. Using the Power Down principle really works!! Now if my retirement account would come back a little, I could retire. Thanks to all in the Money Mastery Coaching Services who helped me.
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Robert Fulgham
For years I looked for ways to reduce my debts and keep myself encouraged. It’s important to develop a plan, but it’s also very important to keep yourself encouraged by seeing positive results and seeing how your efforts can truly pay off by keeping to your plan. My efforts failed every time because I did not have the proper tools. With the Money Mastery® program, I now have the tools I have been looking for to meet my financial goals. I have Spending registers for quick recording of purchases, software to help me develop a spending plan to payoff my debts, and to determine future wealth for retirement. However, the best part is that I was assigned a coach to help me stay focused on my goal and to seek out information specific to me to help ensure that I reach my financial goals as quickly as possible. The program made some pretty big claims about what it could do for me. Not only has my coach kept her promises, but she has gone beyond that. My coach actively searches for ways to help me reduce the interest that I am paying for loans and informs me of other findings that she feels will help me learn more about investing, budgeting, and small business development. I felt I got my money’s worth as soon as I received the Spending registers and software. Without hesitation, I recommend the Money Mastery program to anyone who is serious about debt elimination and wealth development. My evaluation? No matter who you are, Money Mastery can be a low-risk, high-return investment for you too!
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Rodney & Brenda O., Iowa
Thank you Alan for all your help. Your commitment to us has been
really, really appreciated! We have learned so much from your book,
your coaching meetings, CDs, software, etc. We still have a long way
to go but we are well on the way to getting out of debt. We are
looking forward to a continuous relationship with Money Mastery®
Coaching Services! Your genuine personal desire to help us was noticed right from the beginning. Thank you very much for your commitment and your friendship!
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Ruth Snipes
The Money Mastery® program has helped to organize my finances so I can simplify my life. This is helping me to save more money and to get out of debt sooner.
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Sandra Truitt
I am the person who is responsible for handling the finances in our family, and therefore really had no one to answer to concerning money matters. After many years of doing this job, I realized that I needed guidance in both control and organizing our finances. That is where the Money Mastery® program came into the picture. With your suggestions and information, I have been able to completely pay off the two credit cards that I had outstanding, I have refinanced my two vehicles into one low interest loan, and have started my savings account balance with black ink instead of red!!! I am a HAPPY PERSON!!!
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Shauna Slipsager
I want to thank you Alan for the encouragement and direction that you give us. I can't believe how much change I see in myself thanks to the Money Mastery® program and you.
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Stacey Williams
We have just finished a year of coaching and I wanted to tell you that not only have we learned how to manage our finances in a much more successful manner, but I have found a level of self confidence in all aspects of my life that I thought was long gone.
I truly appreciate the time you have spent with me and will always treasure the lessons and laughter. I hope to one day call you from that beach house that you have shown me is a true possibility!
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Sue Nageotte
Enormous thanks to the Money Mastery® program for teaching me the impact of “instant forgiveness.” Details when we meet next, but this is having a wonderful impact on our family.
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Sunny Zamora
Thanks to the Money Mastery® program and my coach, I have gone from being a fearful woman to a secure one. I now feel secure in the direction my financial future is taking. And more than that, I’m excited and look forward to what lies ahead! I truly feel blessed for having Money Mastery in my life.
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Susan Austin
What I have learned in the Money Mastery® program has been invaluable. It has offered me the opportunity to obtain control of my finances and to benefit from that. I am no longer juggling money and credit cards, nor am I worrying each month about how I will pay all my bills and still have enough to live on. Many times I felt like giving up but I never did because I had the help and support from my coach. I am not yet debt-free but am well on my way, having paid off half of my debt in one year.
I have also learned the importance of saving and have been able to set aside a small amount of money each week to increase my savings from about $200 a year ago to nearly $2,000. This will enable me to move money into other areas where it will have better growth potential as well as give me peace of mind.
At the start of the program, I knew very little about taxes, retirement or estate planning. Money Mastery has provided me with an excellent base of information which will assist me in continuing with that learning process.
I have enjoyed my experience in the Money Mastery program and now I can apply what I have learned to the rest of my life. I would highly recommend this program to anyone. It makes for a richer more peaceful life. Thank you!
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Terrie J. Schultz
At 43 years old, I am embarrassed to admit that prior to enrolling in the Money Mastery® program I had been quite irresponsible with money. I went through bankruptcy (and still did not learn different habits), I had zero in savings, and I owned no real estate. I have a 22-year-old son that seemed to be headed down the same path — duh!
The Money Mastery system has truly changed my life. I now have savings and investment accounts that I contribute to monthly. I am in the process of purchasing my first home and I am able to contribute monthly to my favorite charities as well as sponsoring a few children from poor countries. My current debt will be paid off in 2.4 years, I have the knowledge and commitment to pay my home off in less than 10 years, and I can now teach these principles to my son!
People who pass up the opportunity to learn and implement Money Mastery’s principles are missing the opportunity of a lifetime.
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Todd & Sharon Rist
The Money Mastery® program has taught us principles from which we can make serious decisions about our financial future. You have helped us create better spending and saving habits. Because of Money Mastery, we are looking at our future in terms of where we want to be financially and what we can do today to assure ourselves of getting there.
You have also referred us to other professionals for information and advice. These folks are experts in their field and have provided us with the unique opportunity to be educated! That is vastly different from being pitched to buy a product. Thanks for helping us see a brighter future; it’s wonderful to know we can count on you folks for this kind of help. You are a unique group and I can honestly say I don’t know really where we would be right now without Money Mastery. Your services are so far reaching that I wouldn’t hesitate to call for any advice regarding money in the future. Whether it’s investing, spending, insurance, estate planning, etc. If it involves money and affects our present or future, we want to talk to you first! Not only is your information the most current, but your delivery is superb. Thanks for helping us keep the momentum. You have been there for us when we needed you, without question. We have always felt we could call with our questions however meaningless they might have seemed.
We are so thankful for your help. We feel so empowered by Money Mastery and that’s the greatest gift of all! Thanks so much.
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Tom and Lisa - New York
 We recently bought a house, combined incomes and were making good money. We also were living paycheck to paycheck. We never realized how much money we were spending each month on things we couldn't account for at the end of the month. Now that we've learned how to track and control our money, we are saving over $800 each month and know where every penny is being spent. The Money Mastery® program has taught us how to live for today as well as plan for the future at the same time. With the plan Money Mastery has helped us create we are on track to pay off our 30 year mortgage in less than 10 years as well as all other bills and be completely debt free!!
Alan is such a wealth of knowledge and has taught us so much and we can't thank him enough. He showed us how the smallest of things can have a tremendous impact on your life and if you don't handle them the right way now, the repercussions could be disastrous. Thanks to Money Mastery we are looking forward to planning things we only dreamed of previously.
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Tracy H., Missouri
I have thought a lot this past week about the questions the Money Mastery® program [poses] and I have learned several valuable lessons. One of the most important is how to be in control of our lives. That may sound obvious, but I now have the choice to follow the program so brilliantly laid out in front of me or choose to continue living paycheck to paycheck. No one is going to tell me each day what to buy and not to buy, how much extra to pay on my credit cards, or to make sure I deposit money into my savings. I [can now] take what I’ve learned through Money Mastery and make decisions on my own. One of the other lessons I’ve learned through Money Mastery is that my fiancee and I have to communicate in order to improve our financial situation. Finances have been a subject we just didn’t discuss and this would always lead to an argument or make us both so upset at ourselves that we figured we’d never get control of our spending. Through your encouragement, we have started having weekly discussions on who’s paying what, what we need to buy versus what we want to buy , etc. Having the tools to make good financial choices has lifted a burden off of my mind. Having one-on-one sessions with you has been a lifesaver. I don’t think we would have kept going without your knowledge, support and encouragement. Money Mastery Coaching is the best investment we could ever have made. We have gotten our money back in just taking the time to make conscious decisions, and putting just a little extra toward debt payment. Without the resources given to us by Money Mastery, we would not be on the road to financial success that we are now on. There are so many things we never knew, never thought of, and never realized until having it laid out in front of us through this program. I cannot express enough my personal gratitude for what Money Mastery has done for me personally and for my relationship with my fiancee. You are a blessing!
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Valerie Taylor
I want to tell you how grateful I am to have started the Money Mastery® program before I lost my job. It was extremely traumatic being fired, but I wouldn’t have been able to cope nearly as well if I hadn’t already started changing my spending habits and adjusting my thinking about money. Because of the program, I was much better prepared to cut back to the bone on my living expenses.
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Wayne & Julie Hempel
We want to thank the [Money Mastery] coaches for helping us during our financial breakdown. As you know, we were on the brink of bankruptcy — even talking about it to my boss who is an attorney. He didn’t know how we could get out of the mess we were in without going bankrupt. But we didn’t want to go that route. We spent the money and think the only honorable thing to do is pay it all back — no matter what it takes.
After our first few sessions with Peter, I was able to sleep at night again. I felt like there was a light at the end of the tunnel. A plan was in place, someone was in our corner, and that stopped the madness of living off of credit and wondering how to pay it back every month. I believe our situation is typical of many people who get caught in a cycle of not having enough money to live on so they literally live off their credit cards, only to find the next month they even have less money than the month before because of high credit card payments.
Wayne and I have cut up our credit cards now and have to live off the money we make. Believe me, that was an adjustment, but we made a commitment to live off the money we bring home — no matter how tight it gets. We have successfully done that now for four months. We are finally on our way to financial freedom.
Thank you for your counsel and support. This program is the best thing that could happen to the American people.
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