PRAISE FOR THE MILLIONAIRE DEBT-FREE "e;The Debt-Free Millionaire is a clarion call for a generation that was brought up on spending tomorrow's money today. As someone who spent time in the financial services industry, I can unequivocally state that Anthony's pragmatic and refreshingly contrarian approach to the real secrets of cash-flow management and leveraging the credit system are a breath of fresh air in a smog-choked world of misinformation and confusing financial advice. I can think of a million reasons to read it."e; MICHAEL DIFRISCO President, BrandXcellence "e;Read this book. Do what it says. Start living the dream. If you're ready to take charge of your financial future, this is the place to start."e; KEITH J. CUNNINGHAM Keys to the Vault & Business School for Entrepreneurs "e;The Debt-Free Millionaire offers unique insights, little known strategies and easy-to-understand practical tools to first manage then eliminate debt. It is a must read for both consumers and financial professionals to better explain the often complex world of debt management. More like getting sensible advice from a good friend than a technical financial advisor."e; ROY BALFOUR President of Ro???Mart Inc. "e;Tony has produced a clear and straightforward guide to debt, and how to eliminate it, that is as timely as it is needed. Anyone who follows the program in this book will be glad they did."e; JEFFREY K. MEEK Former Vice President Recovery Operations, WaMu Card Services "e;Great for readers of all ages and in all financial stages. This isn't one of those get-rich-quick schemes. This book provides a foundation for a paradigm shift in your thinking process and allows for you to see how to achieve the seemingly unachievable. I was hooked from the beginning!"e; JENNA KEEHNEN Executive Director, USOBA.org

PRAISE FORTHE MILLIONAIREDEBT-FREE"The Debt-Free Millionaire is a clarion call for a generation that was brought up on spending tomorrow's money today. As someone who spent time in the financial services industry, I can unequivocally state that Anthony's pragmatic and refreshingly contrarian approach to the real secrets of cash-flow management--and leveraging the credit system--are a breath of fresh air in a smog-choked world of misinformation and confusing financial advice. I can think of a million reasons to read it."MICHAEL DIFRISCO President, BrandXcellence"Read this book. Do what it says. Start living the dream. If you're ready to take charge of your financial future, this is the place to start."KEITH J. CUNNINGHAM Keys to the Vault & Business School for Entrepreneurs"The Debt-Free Millionaire offers unique insights, little known strategies and easy-to-understand practical tools to first manage then eliminate debt. It is a must read for both consumers and financial professionals to better explain the often complex world of debt management. More like getting sensible advice from a good friend than a technical financial advisor."ROY BALFOUR President of Ro???Mart Inc."Tony has produced a clear and straightforward guide to debt, and how to eliminate it, that is as timely as it is needed. Anyone who follows the program in this book will be glad they did."JEFFREY K. MEEK Former Vice President-Recovery Operations, WaMu Card Services"Great for readers of all ages and in all financial stages. This isn't one of those get-rich-quick schemes. This book provides a foundation for a paradigm shift in your thinking process and allows for you to see how to achieve the seemingly unachievable. I was hooked from the beginning!"JENNA KEEHNEN Executive Director, USOBA.org

Foreword ixAcknowledgments xiiiIntroduction: Setting the Stage 1Step 1: Understanding Debt and CreditChapter 1 What Is Debt? 19Chapter 2 What Is Credit? 33Step 2: Identifying Where You Are so You Can Determine How to Get to Where You Want to GoChapter 3 The Cash-FLOW Analysis and Why You Need One 53Chapter 4 Doing Your Own Cash-FLOW Analysis 71Chapter 5 Inside the Numbers: Different Categories of CFI 85Step 3: Using the Results from Step 2 to Chart Your Course toward Becoming a Debt-FREE MillionaireChapter 6 A Little Deeper Inside the Numbers: Potential Credit Impact of Adequate to Healthy CFI 95Chapter 7 A Little Deeper Inside the Numbers: When Your CFI Requires Mortgage Restructuring 109Chapter 8 A Little Deeper Inside the Numbers: When Your CFI Requires Debt Management 123Chapter 9 A Little Deeper Inside the Numbers: When Your CFI Requires Debt Settlement 137Chapter 10 A Little Deeper Inside the Numbers: When Your CFI Requires Bankruptcy 153Step 4: Identifying and Defining Your Retirement Needs, and Creating a Time Line toward Achieving ThemChapter 11 Accumulating Wealth and Retiring Rich 169Chapter 12 It Takes Money to Make Money: Accumulating and Living Off Your Wealth 181Step 5: Letting It All Sink InChapter 13 Change Is a Comin' 201Chapter 14 So Now What? The Debt-FREE Millionaire Action Plan 217Chapter 15 What about Our Economy? 229Conclusion: The Real Identity Theft 235Appendix A The Cash-FLOW Analysis Work Sheet 241Appendix B Estimating Your Debt Elimination Time Frame 249Appendix C Sample Amortization Tables 253Appendix D Income Adjusted for Inflation 263Appendix E Future Wealth (Nest Egg) Estimator 265Appendix F Debt Payment Wealth Impact 267Appendix G Should I Save First? 269Appendix H Putting Your Debt-FREE Millionaire Plan on Cruise Control 271Glossary 273Notes 275About the Author 277A Free Gift from Me to You 279Index 281