Debt Freedom including your Mortgage? Dream or Possibility?

“Close your eyes and dream…….. What would it be like to be debt free?  Yes, even your home is paid for in full.”  What if that date wasn’t thirty years from now, but 12, or 10, what if it could be 8? Although you may be thinking that I am on my patio daydreaming and maybe even a little off my rocker it can be done. Your Grandparents or parents are proof that it can be done. So am I simply talking about Fiscal responsibility? Probably not? That seems to be frowned upon in the United States today. I am a firm believer in learning fiscal responsibility and if their is a tool that will coach you through the process that is a effective why would it be a bad thing?

Consider you are driving from Roseville to San Francisco but along the way you exit 12 toward Napa. This is definitely off course. However, most of us now have some form of GPS to alert us of the misdirection and recalculate our next move to insure arrival. The tool that I am going to speak about can be considered a Financial GPS. A tool that if you happen to get off course or life happens and you are forced to go another way (detour if you will) it will assist you in re charting the course. GPS, a coach, a mentor offers peace of mind. It allows you to focus on the important things while all the details are worked out for you. Peace of mind is valuable. So valuable that it can hardly have a price tag. After all I think that peace of mind is what many of us strive for. Paying off your home offers peace of mind.

Dennis and Cheryl Harris

As many of you may already know and for those of you who do not know I love meeting new people and seeing what they have to give back to the world. I do not freely endorse or promote anyone or their product without the opportunity to get to know them a little as a person.  Any product that is revolutionary can also be controversial. However the heart of the business person presenting the product is what I look for. I had the great opportunity to sit down both Dennis and Cheryl Harris on Thursday evening and learn about them. What I came to find out about them is that they are amazing people. I have met many U-first agents and asked the very questions I am going to summarize below and I have got all sorts of answers. None of those answers showed the level of genuine interest that I felt from Dennis and Cheryl. They were not selling me the product that they have. Instead they were sharing with me how it has changed their life. I could sense the peace of mind that they have in knowing that the financial gps they hired will keep them on course to realize DEBT FREEDOM. I would encourage anyone who desires debt freedom to sit down with Dennis and Cheryl and allow them to share with you their story.

Here is what we talked about

Matt: Considering the fact that America promotes Fiscal irresponsibility (cash for clunkers) and refuses to teach in the school systems how money works how do you explain and overcome our hard wiring to leverage and finance our  Dreams?

Dennis and Cheryl: There has to be a paradigm shift on the way we view our money. The first question is how is what you are doing right now, working for you today? If you continue to do the same thing will you achieve peace of mind or freedom from your debt? If you are serious about getting your debt paid off and someone shows you the way it is hard to ignore.

Matt: The cost of the product can be quite substantial. A Garmin or Tom Tom can cost about $199 but this “Financial GPS” is $3500. How can someone who is looking to become more fiscally responsible justify spending this much?

Dennis and Cheryl: $199 for a Garmin saves you the time and the gas of getting lost. It helps to increase the quality time that you will have once arriving. It is an investment into the quality of your life. Although the cost of the U-First Software is $3500 dollars the savings can be hundreds of thousands. If I said you can invest $3500 and yield a return of $200,000 and show you this with factual numbers would you not invest the funds? The investment is a fraction of the return.

Matt: If the system no longer used a Home Equity Line of Credit and now is done through the use of a checking, savings and Credit Cards, What happens if the consumers credit card balances are reduced to the current balance? This is quite common today.

Dennis and Cheryl: Although the use of the Credit card is a factor and part of the program it is not reliant on the card solely. The program works to help you also pay off your debts such as auto loans and credit cards a s well as your home. The upgrades that have been made include total DEBT FREEDOM not just the home. If you follow your financial GPS it will again help to reduce the balance on the card regardless of the limit so that you will free up space to use the credit card as necessary. I understand the concern, what happens if things change to the point the program no longer works. I lose my job or my investment income dries up or… The Financial GPS will recalculate and get you headed back to San Francisco. It will also tell you if you don’t have enough gas to make it to S.F. and how long you will last at the current spend rate. The system is based on interest cancellation and is a result of money movement in favor of the consumer not the bank.

Matt: I think that it would be hard to hear about this product and not get excited. However, each year on the first people get super excited about working out and losing weight. That last the first two weeks of the year and then they fall flat on their face. How would this product be any different than the elliptical trainer sitting in the corner of the room with dust and clothes draped all over it?

Dennis and Cheryl: I would love to see the stats on those that hire a trainer and see how long they last. I would bet that those that have a coach and an accountability partner have a much higher success rate than those who do not. This program comes with not only great math behind your financial decisions but it also comes with Cheryl and me. We are a part of the process. Once you’re on this trip to financial freedom we are along for the ride with you. As much as you will allow us we want to walk this road home with you. We are just a phone call away and we stay in touch with our clients. The program requires desire. Remember I said at the beginning we want to partner with people who are serious about becoming debt free. However, the program requires discipline. All great things require discipline and obedience. To achieve DEBT FREEDOM you will have to make some changes in your life in the way you manage your money– changes that don’t affect your life style very much, but do affect the handling of your money. (Cheryl) I’m always encouraged by the graphic interface that shows our years to pay off, remaining interest to be paid and the date we will be out of debt coming down. U-First provides a written guarantee that if you follow the program you will get the guaranteed results shown in the free analysis that is done in the beginning. It is a lot like P90x or other workout programs. If you work them they will get you results.

Matt: How have you overcome the fact that is yet another Network Marketing Pyramid like business. The Stigma that accompanies this type of business can be a turnoff.

Dennis and Cheryl: First off this isn’t Network Marketing. There is nothing about the program that requires me to involve other people for it to be successful. It stands on its own. I follow the on screen prompts and I’m out of debt sooner rather than later. The hint of network marketing comes in when we start talking about the business opportunity that is here. I look at it like this: When is the last time that you got gas? The attendant gets paid when you do and the supplier and the company and etc. etc. Every business transactions have multiple levels of payment. The thing is I have a product that can impact the lives of many. That is what I present. If my business grows and others that I have helped want to share it and get paid for their efforts where is the harm in that. If it were only Cheryl and I think of all the people that I could not reach. I think that everyone should know about this great opportunity.

Matt: Today’s economy has created in many cases a Financial Paralysis among many. The instability of  jobs, the market, home ownership and life in general has lead to indecision. Given the fact that we often make Emotional decisions and our emotions are out of sorts how have you reached the consumer.

Dennis and Cheryl: Indecision is like inverted insanity. Doing the same thing or doing nothing hoping for something is just crazy. Whether or not this product is for you is purely MATHEMATICAL! The numbers are either supportive of a decision to move forward, or it just plain doesn’t work. (Cheryl) If you had a hole in your gas tank and were leaking gas would you not fix the problem. This is something I wish I would have known earlier. However, we will have our home paid off in less than twelve years leaving me plenty of time to enjoy the fruits of our labor.

Matt: Who is the ideal client?

Dennis and Cheryl: There are three different types of people that I have found have a genuine interest in the product. They get the concept and they move forward. Those people are:

1. People serious about getting out of debt
2. Those interested in Wealth Building
3. Those interested in increasing their income.

Dennis and Cheryl chose to take a hard look at where they wanted to be in the near future. They chose to go outside of the conventional way of thinking and take a look at something that could impact their life significantly. They took the steps to do so and they are already experiencing the results. This one choice has helped to change their thinking. They have seen the system work for them first hand. The Financial GPS has redirected them when “Life Happened.” Dennis and Cheryl would like to share with others what they have learned for themselves. It may not be for everyone but if I were looking for a coach whom I could trust Dennis and Cheryl would be just that. Their passion to help others is evident. If you are interested in hearing more about what has changed their life contact them at:

(916) 367-3453 or dennisgharris@gmail.com.

Thank you Dennis and Cheryl for taking the time to sit down with me and share your story.