Finally!

You can stop living paycheck to paycheck and build personal wealth. 

Message from our CEO

We don't have to live paycheck to paycheck.


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If you understand the pitfalls, you can avoid them. You can fix them.

At any income level, you can take charge of your financial life, live debt free, build wealth, even own and pay off your own home.

You will have to break some habits you may not even know you have and replace them with new ones.

These new habits will enable you to set yourself up for a worry-free financial life. Forever.

Invest in yourself!

With a one-time payment of $99, you can take the DECISIONS/DECI$ION$ online course at your own pace, learning how to make or save money with every financial decision you make.

CLICK HERE to REGISTER!

Eight Steps to Financial Freedom

Engaging, proven, real-life content that you can apply immediately.

Budgeting

Making better decisions is critical.

  • Seven Consequential budget reduction guides
  • Planning Guide
  • Case study of overspending and recovery
  • Avoiding and minimizing “Consequential Costs”
  • Ideas to increase income.
Handling Credit

How do credit and interest really work?

  • Your Complete Debt Picture
  • Change Your Debt-behaviors.
  • Negotiate
  • Consolidate
  • Balance Transfer
  • Become Debt-free: Payoff Plan
  • Cascade to Eliminate Debt
  • Manage Your Credit Score
  • Increase Your Income
Home Ownership

Owning a house makes money 7 ways.

  • Rent goes up, mortgages don't.
  • When rates drop, lower your payment.
  • Save on income taxes.
  • Build equity with every payment.
  • Your house will go up in value.
  • Live rent free for life after 15 years.
  • Save over a million dollars versus renting.
Savings & Investment

You should have an investment account.

  • Save hundreds of dollars per month with simple lifestyle changes.
  • 2% Savings account interest is not enough.
  • IRAs are good if you select the right investments. 
  • Bonds and annuities can be safe but have higher fees.
  • Stocks and mutual funds average higher than 7%.
Services of a Bank

Visit your banker to save money every year.

  • Individual Banking
  • Business Banking
  • Digital Banking
  • Loans
  • Traditional vs. Online Banks
Buying Insurance

Cheap insurance can be a disaster.

  • Car Insurance
  • Home or Apartment Insurance
  • Health/Dental Insurance
  • Life Insurance
  • Bundling Insurance
  • How to Buy Insurance
Income Taxes

Save hundreds or thousands each year:

  • How can Adjustments & Deductions reduce my Taxable Income?
  • What Tax Rate determines how much I owe?
  • Reduce taxes with Tax Credits.
Social Security

What is Social Security?

  • How do I Qualify for Social Security?
  • When to Start Taking Social Security?
  • How can Retirees, Spouses, Widows, Widowers, and Dependents Collect Social Security?
  • What should You know about Medicare?

Invest in yourself!

With a one-time payment of $99, you can take the DECISIONS/DECI$ION$ online course at your own pace, learning how to make or save money with every financial decision you make.

CLICK HERE to REGISTER!

Take Control of Your Financial Future

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I just wanted to let you know that I got prequalified today for my first house at age 52.

Roechell Isom

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Our congregation partnered with GDA to present "DECISIONS/DECI$ION$' to our members and to the surrounding community.  We could not have been more pleased with the result.  Our attendees included persons from every age range, and I was glad to see so many of our youth and young adults excited about taking more control of their personal finances.

Rev. Charles Myricks
Arlington St. Church of God


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Kudos to GDA.  What an incredible gift and such an eye-opening, transformational experience!  Thank you for providing this resource, which is rich in content and expertly delivered.  The tools that I have acquired, and those that I am developing will benefit me and many others.  I plan to pay it forward as many times as possible.

Joann Horton, Ph.D.
Senior Executive, Pacific Crest, Inc.

CLICK HERE to REGISTER!