|From: Dr. Tom Watson
STOP. There's a reason you never get out of debt and never get wealthy, and it's not what you think it is.
You've been misled by the financial gurus in books, on television, in
videos, and on the internet. There's a reason their advice has never
worked for you, and it's not your fault.
That's right, I'm going to show you
how to go from debt to wealth, the fastest, easiest and most conservative way possible. In fact,
You'll know exactly when you will be a millionaire in 48 hours or less from right now!
I Know You
I've been studying you for the last 21 years and I know you very well.
No, I haven't been stalking you, but I do know how you think and how you feel.
I know what your dreams are. And
I know some deep dark secrets you hold inside and probably never tell anyone.
I know you smolder inside with anger when
about wealthy financially independent people, free in the world to do
what they like doing
- while you work your behind off just trying to make ends meet.
I know you burn with jealousy to be just like them.
To be out from under debts.
To be financially
free to do what YOU want to do, when YOU want to do it!
I know how you feel. I can sense your guilt when you see the “next great thing”
live without... you buy it and then feel awful afterwards.
at you... you feel ashamed you bought one more thing. Now you
are even deeper in debt.
Those "marketing vultures" are like a
credit card "shock and awe" invasion
aren’t they? One big flock of vultures trying to pick your wallet and leave you poor and without resources.
Don't feel alone. You aren't
the only one who falls
for their tricks.
You dream at night of being free of all
your financial worries.
What would it feel like to go to bed with no money worries?
can tell you it is a wonderful feeling, and you can do it too).
How do I know you so well?
It’s just that I was once in
shoes. I used to get mad, frustrated, disgusted, fed up and ready to
chuck it all in.
Now I'm a noted and successful teacher
wellness, debt freedom and wealth building. I conduct
all over the world on the topic, helping thousands of people.
can see just a few of the testimonials I receive every year to
the right of this page.
But I certainly didn't start out
knowing this information or living debt free and wealthy. I
used to be just like you...
Stopped Using Credit Cards...
First Try at Becoming a Millionaire
Back when I was an “impulse
buyer,” I would buy just about anything I wanted "in the
and would use one of my many credit cards.
I had so many
cards in my wallet that when I sat down, I had to sit
It felt like a lot of "fun" to buy
wanted whenever I wanted - until I got home and
thought about it
I never would have admitted it in those
days, but I was actually "addicted to spending."
I had convinced myself I "needed" that
(or why not even two or three of them?)... but later... later, I felt
very ashamed when I realized I had bought stuff I not only didn't need
but in reality didn't even want!
It hurts to remember that feeling of
I was caught in a terrible cycle of
spending and spiralling debt, and felt like I could never get
out of it.
At one point I even thought "why even
try to get out of debt?"
Heck everybody else had a ton of debt, why shouldn't I?
It's kind of the "American way," isn't
But I knew if I was going to take
charge of my life
I needed to do something.
At least my "higher self" knew that.
I still felt the urge to spend even more.
A friend of mine told me about a
had heard of to help people stop using credit cards, or at least to
eliminate the need to use them right away.
He said if I would
get rid of all my credit cards and keep just one, there was a
think twice before using it.
The technique involves putting
the card in a Tupperware container and filling it with water, then
putting it in the freezer.
Melting My Credit Card
but not at the time)
If I wanted to buy
something—had an impulse—then I
should go to the freezer, take the card out and let it thaw.
By the time the card thawed out, if I still wanted to use it, then I
should go ahead.
The theory is that it takes some time
the card to thaw and by the time it does, the impulse to use it may go
I decided to try this technique. I performed "plastic
on about 12 cards by cutting them to pieces, all but
that one card, a Visa card, and did what my friend suggested by placing
it in the freezer.
Well, I was in a shopping mall later that same day and saw something
that I really
thought I had to have. I ran home, got the card out of the
and put it in the microwave.
Big mistake. No one
told me the card would melt in the microwave, so now I didn’t
have any cards at all.
Then something amazing happened. With
all of my credit cards gone, I
learned that I could survive without them.
- Not only
did I survive, but as a result of financing my lifestyle on an all cash
basis, I started to
build a financial future that would not be ambushed by the credit card
But this isn't all of the story and
think that cutting up all of your credit cards will save you.
If you don't cure your "Fatal Flaw"
(discussed below) you'll just
go out and find some other "sneaky" way to get more in debt.
Now Let's Talk About YOU
Becoming a Millionaire...
And a MAJOR Roadblock in Your Way
Something else happened that
guaranteed my financial future.
I discovered a formula.
Something that worked for me and
which has worked for hundreds of other people already - students and
coaching clients of mine - and will work
I literally uncovered a way that works
to give you a rock solid foundation for debt freedom and
financial freedom. It
forces you to get debt free and wealthy.
This method "restarts your life" and
gives you a brand new chance, one you truly deserve.
Secrets of Becoming a Millionaire
Regardless of Your Past History
formula has been kept hidden from you because the debt
is big business. Credit card earnings on loaning you money
and probably should be illegal.
card companies WANT to keep you down.
That way they can make obscene
profits off of you month after month, year after year.
keep you stupid, begging for even more credit.
They want to flood you
with their tempting offers for gifts and low introductory percentages
and just imagining all the stuff you can buy.
need to keep your nose to the grindstone at your day job
so you can keep
earning enough to pay down your high interest credit cards just so they
can get you to add another few thousand dollars for more stuff and
then they can charge you hundreds for doing nothing more than briefly
loaning you money at ridiculously high rates.
And you can bet right now you are just
about to fall prey to them once
again, no matter how strong you think your resolve is to "do better
They are good at what they do,
they are going to steal every single penny
out of your wallet and they'd like to take every single penny you will ever earn.
They know how to pry open your brain
and make you
pay and pay and pay.
Your Fault You Fail
It's Not Your Fault You Aren't a Millionaire!
You've surely tried a lot of things in
the hopes of getting free of debt and financially free, such as these "Three Myths of Debt Freedom"
Haven't you thought the answer would be
one or all of these three?
1. Make a lot more money ("If I make
enough my debt won't matter").
2. Get on a budget. Won't
work. You think it will, but it won't because you aren't
doing it right.
3. Try to restrict your spending
impulses. Haven't you tried that a thousand times
Unfortunately... none of these methods work.
The concepts are good, the information you have is (probably)
good, but I'm going to tell you
exactly why you always fail with these methods.
Your "Fatal Flaw"
And How It Keeps You From
You have a "fatal flaw."
The "fatal flaw" is - you start something with all the best
intentions but then
things come up and you don't follow through.
You mean to, you really do, but you don't follow through.
Fatal. In this case, fatal to your finances.
You may have good information, but here's the bad news. You
to fall off the wagon... guaranteed... unless you have the Cure.
TargetDebtFree Clears The Path
To SUPER Wealth Building
By Curing Your "Fatal Flaw"
different about my Target Debt Free Program is that it cures your fatal
WILL get to debt freedom and a long way into becoming wealthy with this
program because it does something for you that no other program does.
- First, you will have your
own customized powerful plan in your hands within 48 hours
for debt freedom and wealth building which you will discover changes
your whole attitude and approach and will automatically make you sleep
better at night and worry about money less.
- Second, every
week for six full months you will have a brand new lesson
in your email
inbox with your next step to do. Simple steps. Baby steps.
one. Not a big box of books and tapes and videos which goes
"thud" on your living room floor like a brick.
This is part of the "practical magic" of the program you'll
see in no
other debt elimination program. Every week for
six full months you will have success steps to
do and will be rewarded for every single weekly success you achieve.
accountability methods in my program were developed specifically for me
by one of the world's leading psychologists in the area of peak
performance and success, and are based on training methods of some of
the top athletes and performers in the world.
Yet you'll be surprised how simple the process is. Super
effective things are often super simple!
- Fourth, you receive six full months of expert
proven guidance distilled from my 21 years of
helping people just like you succeed in their financial life where
they have never had success before.
Not Just "Information"
It's a Powerful Life Changing System...
This is the Sure, Safe, Conservative
Guaranteed Way to Become a Millionaire!
Look, you can get decent information on debt elimination elsewhere.
You know that.
What you cannot get
- My personal expert and proven
guidance to practically force you to become debt free and wealthy
- Six Month's worth of weekly guidance
- Methods proven in daily life to work
with hundreds of people just like you (not just "economic theory")
- Accountability, the "practical
magic" cure to your "Fatal Flaw" that up until now has kept you from
- Your own customized Debt Freedom and
Wealth Accumulation plan within 48 hours
won't find all those ingredients in any other system online.
know because I carefully researched the internet to find out before I
designed this course!
Pay a Professional $1,100 a Month
For This Advice and Help
it would be worth every penny
Actually when I said you cannot get this help, that isn't accurate.
You could get ongoing guidance "offline" by working with a
professional in your town.
Chances are it wouldn't be that great however.
can get some
kind of guidance, accountability, a customized plan and
weekly help (although not the high quality of what I offer!), if you
professional to guide you in this way.
You'd have to go to
that professional's office every week to get what I offer in the Target
Debt Free Program, and pay them for an hour of their time.
wouldn't be cheap, I assure you.
For example, if you wanted to
consult with me on becoming debt free and taking steps to building
wealth each week, the fee would be $275 for a half hour consultation
each week, or $1,100 per month.
People and companies pay me
much more than that for my seminars and consultations, I assure you.
But since you are already in debt and trying to figure out how to get
out of it, I assume $1,100 per month is not in your budget.
And if I saw your situation, I wouldn't feel that great charging you
that much anyway.
So here's the dilemma I faced when I planned out the Target
Debt Free Program for you.
want you to succeed in becoming a millionaire
I want you
to cure your "Fatal Flaw" once and for all, and have success in your
finances (and in other things you tackle too!)
Let me talk briefly about these promises I'm making you.
just 14 of the 26 powerful weekly
wealth building changes you'll discover
during the next six months...
- How to set the exact date when you will be a millionaire!
precise 3 methods to make
yourself immune to sales techniques and
marketing gimmicks (this alone can save you thousands and
dollars which you would otherwise hand over to certain "marketing
enjoyable and effective way to communicate with your spouse about
finances - end up with great feelings instead of
endless arguments! (as opposed to the
experience most people have, which is that such conversations are often
preludes to divorce! The statistics prove this.)
- How to use "Power Goal Setting" to become a Millionaire (WAY different from the usual methods).
- Uncover the "hidden money" in your Spending Personality Profile and how to use it to have
fun as well
as get debt free and wealthy (Your own unique personality should be a
benefit not a burden to you. I have a special way of showing
can work to your benefit no matter who you are or what your history is!)
- Know how much you need to be saving
every month to
reach your goal of becoming a Millionaire
of "deals" and "special
offers" companies and retailers really do not want you to
own special Deal Quotient Test—is it really a good deal?
formula only available to our members which will ALWAYS tell you
whether something you're considering buying is really a good deal... or
not! (HINT: The Super Wealthy use this method ALL the time.)
- How to leverage up to 500% more positive action and
results in your financial as well as your personal life
system was developed by a world famous psychologist and is ONLY
available here at Target Debt Free!)
- The Secrets of Managing a Million Dollars...
it's a special challenge only answered here at TDF (it may sound
strange to you but having more wealth and debt freedom can be hard to
- Leverage the power of Your
Escalator Factor, a secret formula to give you a
unique advantage in your financial planning.
- Discover the Secrets
of "Reverse Budgeting," a
method which turns the usual ideas of budgeting on its head and puts
"old fashioned budgeting" out to pasture! This is the new
show you the precise steps of this method.
little known methods of the super-wealthy to accumulate
wealth on the
EXACT money you are now wasting on debt
- How to permanently
install the mindset of the debt-free and millionaire lifestyle so you
overome the "Fatal Flaw" once and for all
five methods of building Nest Egg Wealth on a stone foundation,
conservative and sure way that guarantees you'll be ready for your
"Sounds Good, Dr. Tom...
How Much Is All This Going to Cost Me?"
What would you consider a fair price to
- set a clear date by which you will be a millionaire? (priceless)
- have a guaranteed fool-proof plan to achieve your financial goals?
- eliminate your financial worries so
you can sleep at night?
- know you are on the right track financially?
- avoid divorce with your spouse over
the topic of money?
- avoid the feeling of shame of
spiralling into deeper debt?
- create a true wealth nest egg for
your future and guarantee your financial security?
I'm really asking. Please answer.
If I showed you exactly and really how to achieve those
results... How much would it be worth to you?
$5,000? $10,000? $50,000?
I think you agree that these results are priceless to your
wellbeing, but let's be real here. I'm not going
to charge you even $10,000 for this guidance and help.
I trust you can see the extreme value of the Target Debt Free Program.
You know by now I don't expect you to pay $1,100
a month. That's out of the question.
debt elimination and wealth building cost more than $500... and you end
up with very little. You can check on those prices.
This Program Has Saved People
Tens of Thousands of Dollars...
And Turned Their Lives Around!
People have shown me their
results, and they have saved tens of thousands of dollars over the
years. My colleague suggested the price of $97 a month for this program.
I think in your situation $97 a month still sounds like a lot of
money. I won't charge you anywhere near that amount.
Later when you are debt free and wealthy you will understand
what a bargain this program is, at ANY PRICE.
order to give you a special advantage and head start on your goal of
becoming a Millionaire, I've decided to offer the Target Debt Free
program to the first
1,000 members who sign up in the program at a very
reasonable and affordable price
of $37 a month.
We have to limit our membership to 1,000 members so I encourage you to
join now and not a second later. I urge you to consider TDF
membership right now. After we sell 1,000 memberships you
get in to the membership.
Started On Becoming a Millionaire
DO NOT wait to get started!
Every day, every hour counts!
will immediately be taken to a download page where you can get
IMMEDIATE access to your first lesson in the Program.
You want to get started right away.
sells our products - they are a trusted online retailer
specializing in digitally delivered products
CLICK HERE TO JOIN TODAY
initial charge will be $37.00.
You will then be charged $37.00/month for 5
after your initial charge has been made.
I Stake My Personal Reputation On This
I Take ALL the Risk and You Take None
you will get results with my Target Debt Free Program!
I know so many people have done so already so it's easy for
Just look at the satisfied customers on the right
column of this website.
If for any reason you aren't satisfied any time within the first 60
days, you'll receive a full, prompt courteous refund for all the money
you have invested, no questions asked. Your refund is one
mouse-click away through Clickbank!
Of course you can cancel at any time and never be billed again!
You won't ask for a refund because your financial future will be
guaranteed to be more secure and bright and hopeful. I'm
sure of it.
Now's as good a time as any for you to actually
start practicing the art of knowing if something is a good deal rather
than just impulse buying, right? Well, this is a good deal.
And it's a relief to know you don't really have to risk anything to try
out the Target Debt Free Program.
Give it a try.
the opportunity to to help you become a Millionaire!
I won't let you down.
1809 NW Loop 281, Suite 100-160
Longview, TX 75604
P.S. If you don't get started the right way eliminating your debt and
becoming a millionaire, where will you be one year from today?
Still in debt and no closer to being a millionaire. So...
Give it a no-risk try right now
initial charge will be $37.00.
You will then be charged $37.00/month for 5
after your initial charge has been made.
I have to remind you that we are limiting
this membership to only 1,000 members.
When I have sold 1,000 memberships, I will be unable to add more slots.
Please don't miss out... get into the Target
Debt Free Program right now so you don't have that on your "regret
ETHICS STATEMENT: I also want you to know that I
support increasing the ethics and practices of internet business, and
this is one of the ways that many of us who want higher level business
practices have been doing that... by supporting regulation and careful
review of websites for quality. This certifies my membership:
"Your Course Saved My Financial Life... and My Marriage!... God Bless
you for it!"
Hi, Dr. Watson
My wife and I argued all the time about money
and finances..it was
tearing us apart and we actually considererd divorce...
the fact that our beliefs are totally against divorce... Now, after
just a few weeks of TDF, we actually look forward to talking about
money... it's exciting rather than terrifying. What
you've done for us is like a miracle... you saved our marriage and God
bless you for it."
Kansas City, Missouri
is going to work for me, just like you said!”
“I have had great success
thus far with the suggestions from the debt free course. I
have not used a credit card since the meeting (and I do not plan
to). I took action as soon as I started the course by
creating a plan
and setting goals. It is going to work for me, just like you
was totally blown away!"
“When I first
heard about your debt free course I was very skeptical. I had heard
just about everything out there that promised to help people in
debt. Because my friends told me about your course and I
‘believed’ them, I thought I would give it a
try…what did I have to lose. After going through your
course, I was totally blown away…I now have a realistic plan
that will allow me to get totally out of debt in 7 short years, and that includes my mortgage.”
would have gone to my grave worrying about debt..."
"The course opened my eyes to the kind
of wasting of money I have been doing all along. I suppose I would have
gone to my grave worrying about debt if not for this Target Debt Free
Program. Thanks! (Iin more than
of our debt will be eliminated..."
"The course was wonderful;
we are now on track to become financially sound
in just three years. All of our debt will be eliminated
because of this amazing course.”
"Now what do
we do with all our extra monthly income?”
“We paid off all our debt,
including mortgage, in five years using your
Now what do we do with all
our extra monthly income :-)?”
will teach this to my daughter
so she will not fail
prisoner to the credit
"This has been an answer
to prayer. I
feel like the reins to my life have been given back to me.
I will teach this to my daughter so she will not fall prisoner to the credit
my mind and changed my life..."
“I think the course was
has renewed my mind and
changed my life.”
single parent's solution
"Being a single parent, I
wondered how I was going
to put my daughter through
college with my salary. You have given me the way and incentive to do
our monthly net cash by about 20%!"
“Your program helped us to
increase our monthly net cash by about 20% each month. That helped us
so much. Our lives are back on track. I’ve finally earned my
degree. Now, we’re
able to focus on our future.
program has saved our
“This program has saved our
were deep in debt and saw no way out until being introduced to your
Program It has
literally changed our lives…saved us…Thank
"I would recommend this progam to anyone wishing to better manage their
“Your debt free program clearly
demonstrates a no
nonsense, realistic approach to debt elimination and the
accumulation of significant retirement savings. Your
delivery is sharp, concise and to the point, and you left us with a
clear plan of action to take control of our finances. I would recommend
this program to anyone wishing to better manage their money.”
Should Take This Course..."
Everyone should take this
course, as it will bring light to their financial stress situation.
There is a solution. In turn, it
would result in increased
productivity at the job site.”
"I was skeptical at first"
"...I must admit that I was
skeptical that people could eliminate all of their personal debt in 5
to 7 years (including
mortgage) ... In only a few hours with the help of
Dr. Watson, and by using
the workbook, I was forced to change my position. I quickly came to
realize that it is possible for an individual or a family to eliminate
all of their personal debt within 5 to
Dr. Larry O’Neal
Financial Education Course is Excellent!"
"Your financial education
course is excellent. Those
employees who complete the
course should have less stress on the job and be more productive. I
think this training benefits both employer and employee. "
Patricia Smith, PWE
Training & Development
City of Houston
"I used to
worry myself sick... Target Debt Free WORKS! Better than
"I used to worry myself sick at night trying to figure out how I could
get control of my financial life... it was AWFUL.
I tried all
kinds of books and things, even the stuff recommended by Oprah, but
nothing worked! I needed something clear, simple
and to the
point... clear instructions what to do when... and followup and
accountability to do it! That's exactly what I got with TDF.
Like you said, now I sleep soundly and peacefully at night
knowing I'm on track. It's a great feeling and I love getting the
weekly assignments. Super easy and fun to do!"
Beneficial Training he has had"
"Thank you for providing the financial
training at our regional meeting. One employee stated that this was the
most beneficial training
he has had since being at
Texas Department of
Professionals agree and recommend Dr. Watson's Program
"The most valuable part of
your program is how to operate on a cash basis
and how to build a large
savings on the money being
wasted on debt payments.
Our firm's productivity and morale have been greatly enhanced by your
financial education program."
Ernst & Young LLP
Your Enthusisastic Presentation... Very Excited!"
"Our associates appreciated your enthusiastic
and now seem very excited
about reducing their debt.
My belief is that any Neiman Marcus associate can benefit from your
Lessons are an Answer to My Prayers! Couldn't Do It Without
"I am a smart person, so it's always been
super-frustrating to be in debt... I thought if I just got the right
information I could make it happen. Boy was I wrong.
you say about the FATAL FLAW is right on. Now that I have
support, encouragement and information and support every week it's like
a whole new change has happened in my debt freedom program.
right on track and know it never could have happened without this
program. I thank you from the bottom of my heart.
weekly lessons are an answer to my prayers."
San Francisco, California
Guaranteed Pay Raise... In Your Own Control Without Even Having to Ask
“The employees who choose
to implement what you teach will have less stress on the job and have
less of a need for pay increases to solve their financial problems.
Your program is a way for our employees to give themselves a pay raise
without having to make more money.”
Career Development Specialist
Harris County Sheriff’s Office
Company's Morale is UP since our employees took your Program!"
morale and productivity have been greatly improved by your debt-free
for Military Families
"I would love
to see this be a requirement in command orientations."
“It was a great course and
I think this could really help some of our active duty
I would love to see this be a requirement in command
Caseworker for Navy Marine
Corp Relief Society
offer should be a must for everyone in this day and age of 'living
beyond our means.'"
"Many thanks for the outstanding course you
presented to our Chamber
members. The information
was excellent and what you
offered should be a must for everyone in this day and age of
“living beyond our means.” It was a
program for businesses and individuals finding themselves over-extended in debt.”
Longview,TX Chamber of
enthusiastically endorse your program to anyone who is serious about
achieving a better quality of life!"
“I am recommending that
our bank offer your course
as a benefit for our entire staff, and I can enthusiastically endorse
your program to anyone who is serious about achieving a better quality
of life by being debt free.”
Senior Vice President
Texas Bank and Trust
program accomplished it all..."
“We had a room packed with
about 30 of our Airmen. All of them carried the same
desire: achieving financial independence and developing a
awareness of the financial area. Your financial
education program accomplished it all. Our
people felt fantastic, increasing awareness and giving them a greater
understanding of things they can do to achieve
Chief Master Sgt Robert Wicks
Anderson Air Force Base
United Air Force
Away the Struggle and Makes Me Feel Calm Inside..."
I've never thought of myself as a stressed
general, but how to get out of debt and financially free has almost
destroyed my health over the last few years... As I approach retirement
and my debts are huge I've wondered how I'm going to survive in my
later years. And along comes the Target Debt Free Program,
simple easy steps that I can accomplish easily. The only
disagree with is the sleeping at night thing... the first couple of
nights I couldn't sleep at all, with the excitement of finally taking
control of my financial future... and knowing things will be fine for
me! Now though I am very calm and assured about my future...
course and your masterful teachings make me feel calm and certain
inside. I eagerly look forward to the lessons every week!"
Have Given Our Family Hope..."
“Dr. Watson, thank you so
much for this amazing course. I had no idea that anything
like this existed in this country.
have given our family
hope that we can retire very well off…thanks again.”
only wish someone had taught me this twenty years ago!"
Message from Dr. Watson: It
doesn't matter when you start, just that you start... just get started
"The few hours I invested
in your financial education course were very well spent. I just wish
someone had taught me this twenty years ago--when I started my career.
I'd be able to retire or as you
put it, choose to work, at
Kenneth Bland, General
Manager, Xerox Corporation
am delighted this program was offered to me... and I highly recommend
“Your financial education
course was excellent. The
provided me with the specific information to help me achieve financial
freedom and get the most from my money,
do this all on my current income. I am delighted
that this program was offered to me through my company and I
highly recommend it!”
KMSS FOX 33
can do it!
to understand and apply"
“After attending your course, I
money saving tips and techniques simple to understand and
Dealing with small business persons on a daily basis, I see first hand the problems and
that arise as a
Not only does this “debt overload” affect
owners’ ability to foster employee morale, it also impacts
look forward to working with you to expand this program to help East
Texas businesses and families.”
Small Business Development
"I now use
personally and to counsel my family and clients... It is a
“Your debt free course provides
information to every person who spends and wants to save
did not have this material years ago for my personal and professional
use. I now use this information personally and to counsel my family and clients. It is a relief to know that most
can eliminate their debt within 5-7 years with no increase in their income.”
Frank L. Supercinski
"We are now
totally debt free and will be sending our daughters to a good
college... thanks to Target Debt Free!"
“Sure, I had debt, like everyone
else. Not that
‘out of control-they’re calling all the time
We paid our bills alright... we just couldn’t save money...
vacation or college for our daughters. My employer signed us up for the
Target Debt Free course.
You showed us how to take
what we earn now, pay down
our debt and increase our net cash, every payday by 20%. We are now
totally debt free and will sending our daughters to a good college.
has changed our life!"
Thank you so much for teaching this to me and my family.
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