Empower Your Financial Wellness Journey
Financial fitness is now a new trend that is provided as part of employee benefits.
If financial wellness were as easy as spending less money than you make and socking away 10% for retirement money, stress wouldn’t be affecting 64% of American households to this degree.
Current proposals include:
- Eliminate convenience spending.
- Keep a close eye on your budget busters.
- Monitor your expenses.
- Know your “why.
Everyone loves the idea of being debt-free. Many so-called financial experts perpetuate the lie that you should indeed work as hard as you can to eliminate your debts. But if you focus your energy on eliminating all your debts, you’ll be making a big mistake. That’s why you must be careful about whose advice you follow. In fact, if you try to eliminate your debt, do you know what your financial position will be in 20 years?
You’ll be debt-free.
There is only one reason people make extra payments each month.
“I want to get rid of the loan sooner,” They say.
But that’s as effective as using a fly swatter against a charging rhino.
Example:
Mortgage Balance: $250,000
The mortgage declines over 30 years.
If you send an extra $100 per month, you’ll manage to pay off the Loan in 26 Years instead. Is it not overwhelming?
Our Financial Software Calculates the Best Time and the Proper Amount to Pay the Principal.
Above and beyond what you are contracted to do to reduce your mortgage and other debt (credit card, student loan, car loan, medical expenses) in the least amount of time.
Without substantially changing your monthly budget or lifestyle.
With a free analysis, you will know upfront just WHEN you will be mortgage-free and debt-free based on your current financial circumstances.
After you are debt-free, you can concentrate on building wealth and your net worth.
Most people think that whatever amount of money they want to prepay is ok.
But according to the law of diminishing returns, there is a point at which you can pay more and it can be ineffective.
By using our algorithm, it is possible to optimize the cost-benefit ratio, i.e., how much interest is canceled per dollar applied to the principal.
You will be able to pay off your mortgage and other debt in 1/2 to 1/3 the time faster without refinancing and without additional burden to your monthly budget.
No increase to your minimum monthly payments. No mortgage modification, alteration, or home equity.
Free online Excel files are static and not dynamic.
Avalanche, snowball, or HELOC methods will never reach the same results.
The only software that integrates the law of diminishing returns adapted to interest rates in real-time.
Two weeks from now, you could have more money than you do today. But if you wait, you are falling behind on the interest cost (because the cost is becoming greater).
Our Optimizer Cost Calculator manages all this for you.
30-Year Fixed Mortgage: $200,000 – Interest Rate: 6%
Home Value after Amortization: $701,698 –
Interest Rate: 6%
Our advanced financial software eliminates the need for guesswork by offering comprehensive forecasting capabilities. Whether it’s planning for major future expenses like college tuition or anticipating irregular income sources such as tax refunds, our program streamlines the process for you.
By inputting your financial goals and parameters, the software calculates optimal strategies and recommends secure transfers tailored to your individual action plan.
Furthermore, as your financial landscape evolves, our program seamlessly adapts, ensuring your plan remains optimized at all times.
Our solution includes:
- Live Transaction Updates
- True Cost
- Simple to update
- Provides Tracking Tool
- Functions as an Account Register
- How much Money is coming in
- How much Money is going out
- Tracks your Monthly Budget
- Improves your Credit Score
- Includes continuous Customer Support, Coaching, and Education