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Well, I just finished this book and it was somewhat interesting since I am always looking for better ways to manage money and pay debts. I look forward to setting up an excel spreadsheet to compare what the book proposes versus just paying every extra cent each month towards your principal and having a HELOC as a backup Emergency fund.
But, about there are no specific breakdowns of how they calculate the interest that can be saved, because you have to purchase the software that he is selling to get the "biggest benefit". Seems a little too scammish. I certainly will not be purchasing software.
While the concept works, I don't like this book for it's extremely repetitious extreme repetition!!!!!! And for it's mis-directing marketing ploy of saying that no extra payments are required, when in fact, extra payments are made every month!!!! Oh, and the punctuation and bold, italic formatting drove me crazy.
Interesting concept, but so repetitive, I could scream. I don't think we'll be using this system because not having an emergency fund except through a HELOC makes me nervous.