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ent　progress　to　gainthe　motivation　and　inspiration　which　you　need　tocontinue。　Moreover；　the　knowledge　that　you　have　an〃Instant　Estate；〃　if　anything　should　happen　to　you；　willgive　you　additional　serenity　of　mind。　

Orderly　Debt　Repayment　Program　

You　could　already　have　debts　that　seem　to　be　eatingup　your　entire　paycheck；　leaving　nothing　for　yourself。




But　understand　thisthese　debts　can　be　retired。
（Although　the　amount　of　debt　you　have　incurred　will；　ofcourse；　determine　the　length　of　time　it　will　take　you　toclear　the　slate。）　And；　for　the　purposes　of　the　followingdiscussion；　you　must　consider　your　mortgage　or　housepayment　（probably　one　of　your　largest　monthlypayments）；　as　an　investment；　NOT　a　debt。　

Debt　Clearance　Account　

Whatever　money　you　earn　Monday　afternoon　andTuesday　morning；　should　go　directly　into　your　DebtClearance　Account。　This　represents　twenty　percent　ofyour　ine。　You　should　also　sit　down　and　draft　a　letterwhich　you　will　send　to　all　of　your　creditors；　advisingthem　of　your　plan。　

However；　before　you　mail　the　letter；　you　should　firstdraw　up　a　list　of　your　creditors　to　determine　whatproportion　of　this　twenty　percent　each　of　them　wouldreceive。　It　could　conceivably　be　more　money　than　theyare　presently　receiving；　or　it　could　be　less；　but　whicheverway　it　works　out；　that　will　be　the　sum　of　money　they　willeach　receive。　Nevertheless；　whatever　sum　they　do　receive；
they　will　receive　it　regularly；　on　the　stipulated　dates。　

The　following　is　a　sample　letter　you　could　use　as　aguide　in　drafting　your　own　letter：　

Dear　Whomever：　

As　you　know；　I　am　in　debt　to　you　for　
________；　and　I　intend　to　pay　you　in　full；　plus　
interest。　In　order　to　achieve　this　goal；　I　have　
been　devising　a　plan　during　the　past　few　days　
to　put　myself　in　a　stable　financial　position。　To　
this　end；　I　have　opened　a　〃Debt　Clearance　
Account〃　（DCA）；　and　twenty　percent　of　my　
ine　is　going　directly　into　that　account。　
That　will　enable　me　to　have　sufficient　




resources　to　live　on；　without　worry　or　stress；　
and　it　will　prevent　me　from　falling　further　into　
debt。　

Each　week　（or　month）　you　will　receive　a　
check　for　_____　from　my　〃DCA；〃　until　my　
account　with　you　is　clear。　I　am　aware　that　this　
is　not　the　figure　I　had　previously　agreed　to　pay　
you；　but　I'm　sure　you　will　be　understanding；　
and　appreciate　what　I　am　doing。　

If　you　have　any　questions；　please　feel　free　
to　contact　me。　I　am　quite　excited　about　my　
new　plans　and　if　you　would　like　to　have　me　
review　them　with　you　so　that　you　might　help　
others　who　are　in　your　debt；　I　would　be　
pleased　to　do　so。　Thank　you　in　advance　for　
your　kind　cooperation。　

Have　a　wonderful　day！　

Sincerely　

John　Doe　

Understand　that　your　letter　to　your　creditor　is　astatement　of　fact　and　not　a　requestit　is　you　who　is　incharge　of　your　finances；　not　your　creditors！　

Be　sure　to　have　your　letters　neatly　typed　andenclose　your　first　new　payment　with　your　covering　letter。
Realize　there　is　an　〃outside　chance〃　that　someunreasonable　person　will　not　want　to　cooperate　with　you。
They　might　even　go　so　far　as　to　phone　you　and　attemptto　intimidate　you　with　threats　of　taking　you　to　court；　etc。
But　please　hold　your　ground；　because　there　is　no　courtin　the　country　that　would　not　congratulate　you；　whenyou　explained　your　entire　plan　for　FinancialIndependence。　Moreover；　you　will　find　that　95％　of　the




people；　to　whom　you　write；　will　be　most　cooperative。　

Now　give　yourself　a　good　〃pat　on　the　back；〃　becauseas　of　this　moment；　you　are　well　on　your　way　to　starting　apletely　new　way　of　life！　

Let's　briefly　review　what　you　have　acplishedthus　far：　

1。　You　have　an　instant　estate　if　
anything　should　happen　to　you。　
2。　You　have　a　savings　account。　
3。　You　are　paying　yourself。　
4。　You　have　an　orderly　debt　
repayment　program。　
5。　You　have　70％　of　your　ine　
to　live　on；　to　run　the　house　and　for　
entertainment。　
6。　Your　mind　is　clear　to　carry　on　
with　the　big　ideas　ing　your　way　in　the　
remainder　of　this　book。　


From　this　moment　on；　never　think　〃debt〃　again。
Remember；　that　has　all　been　taken　care　ofso　just　focuson　your　savings　account；　and　watch　it　grow。　RepeatI　amwealthy；　Money　is　good；　I　use　money　and　I　love　people。　

Metaphorically　speaking；　getting　your　presentfinances　in　order　is　very　similar　to　having　yourautomobile　tuned　up　for　a　journey　which　you　are　aboutto　take。　Realize　that　as　of　this　moment；　you　are　tuned　upfor　your　journey。　And；　although　you　might　only　beearning　〃x〃　number　of　dollars　per　year　presently；　youmust　see　yourself；　on　the　screen　of　your　mind；　alreadyearning　the　new　annual　ine　which　you　havecalculated　you　need；　to　buy　the　things　you　want；　in　orderto　live　the　way　you　choose　to　live。　

If　you　are　seriously　interested　in　beingfinancially　independent　and　you　have　not　yet　acted　on




the　preceding　ideas；　I　would　strongly　remend　you　doso　now。　For　to　continue　on　to　the　next　chapter；　withouthaving　done　so；　would　be　parable　to　leaving　on　yourjourney　with　your　car　firing　on　only　half　its　cylinders。
You　can　be　almost　certain　that　your　automobile　willbreak　down；　preventing　you　from　reaching　your　desireddestination。　But　by　making　certain　that　everything　isproperly　〃tuned　up；〃　you　can　relax　and　adopt　a　calm；
serene　attitude；　knowing　that　you　will　get　to　yourdestination；　and　you　will　certainly　be　able　to　enjoy　thescenery　along　the　way！　

If　you　find　that　the　task　of　getting　your　financialworld　in　good　order　for　this　exciting　journey　is　somethingwhich　you　are　not　able　to　do　alone；　I　would　stronglysuggest　you　seek　out　professional　assistance。　（This　issomething　that　almost　all　wealthy　people　do。）　That　is　tosay；　wealthy　individuals　follow　the　advice　of　financialexperts。　It　is　similar　in　principle　to　the　idea　that　if　aperson's　body　were　sick；　he　or　she　would　likely　seek　outa　skilled　physician　for　advice。　Moreover；　you　should　alsokeep　in　mind　that　even　healthy　people；　if　they　are　wise；
periodically　go　to　a　doctor　for　a　checkup。　In　other　words；
you　do　not　always　need　to　get　sick　in　order　to　get　better。　

It　has　already　been　brought　to　your　attention　thatvery　few　people　ever　develop　real　expertise　in　the　area　ofserious　〃financial　planning。〃　

Therefore；　you　should　seek　out　a　petentfinancial　counselor；　in　much　the　same　manner　as　youwould　seek　assistance；　in　matters　of　a　legal　nature。　Thereare　panies　that　provide　this　type　of　financial　servicein　every　city。　In　some　places　they　are　not　too　easy　to　find；
but　they　are　there；　if　you　will　only　look　for　them。　

I　had　the　pleasure　of　being　instrumental　in　thestartup　of　just　such　a　pany；　in　the　city　of　Toronto；
Canada　in　1979　（the　name　of　the　pany　is　The




McCrary　Group）。　Today　the　pany　has　almost　fivethousand　happy　clients；　who　are　well　on　their　way　tofinancial　independence。　The　McCrary　Group　makes　all　ofits　clients　very　aware　of　an　interesting　financial　fact；
which　I　would　like　to　share　with　you　at　this　time。　

This　fact　is；　people　fall　into　three　distinct　categorieswith　respect　to　〃finances〃：　

1。　Deficit　position　（in　debt）；　
2。　Breakeven　position　（just　
getting　by；　but　debtfree）；　
3。　Surplus　position。　


It　would　be　very　easy　to　〃trick〃　oneself　intobelieving；　that　if　one　were　in　category　one　or　two；　all　onemust　do　is　earn　more　money；　and　then　one　wouldautomatically　graduate　into　the　third　category。　But　ofcourse；　this　is　not　necessarily　true。　For　if　a　person　is　in　adeficit　financial　position；　it　means　they　are　in　the　〃habit〃
of　spending　more　money　than　they　earn。　Similarly；　if　theyare　in　a　breakeven　position；　they　are　in　the　habit　ofspending　everything　they　earn。　Since　we　are　all〃creatures　of　habit；〃　it　follows　that　earning　more　moneywould　not　necessarily　change　our　overall　financialposition。　It　is　vitally　important；　that　when　you　decide〃how　much　is　enough；〃　you　also　design　a　new　financialplan　or　have　one　designed　for　you　which　will　force　you　todiscipline　yourselfat　least　for　a　month　or　twountil　youform　the　new　habit　of　living　by　that　new　plan。　

The　next　chapter；　〃The　Image　Maker；〃　will　help　youto　understand　how　and　why　you　must　begin　to　seeyourself　already　earning　that　new　figure。　But　for　the　timebeing；　just　bear　in　mind　that　as　your　ine　increases；
the　ten　percent　you　are　saving　increase