I hear it a lot on the radio too. That's why I looked it up.

Let's put it this way: the few posts that tell how wonderful the program are from then-new posting members with one positive message. Where and whey did those new members come along?

Hey guys, new here. Found this post doing a search on how to return the TDIW program. From what I listened to of it, it is common sense covered in some B.S. to make it sound pretty. I finally got my RMA by stopping one of the overflow operators and telling her that every time I would be put "on hold" to get my RMA, that I would be hung up on.

DO NOT buy this program, you can find the same info online for free. You can even find it on David Ramseys website for free under "tips". The program works on the "snowball effect". Not worth paying $60/month for 5 months.

I have the tapes and have nearly worn them out. Yes, I can see why some may say that these are just common "cents" but I find it encouraging when I want to get a wiff of that consumer coke that I have something to remind me of where I want to be in 10, 15, 20 years from now. It's been a long hard road. We purchased the tapes back in 2003 I believe and at that time we had not even realized what a trap we were facing with the mounding debt. Then my husband lost his job and an assorted other things happened that put us in an even deeper in the hole. I thought we would never see the light of day. We probably would have lost everything including our new home if it hadn't been for the encouragement my husband and I got from listening to John Commuta he gave us a glimmer of hope. Yes, we also have listen to Dave but if we had spent all our time building up an emergency fund instead of getting to the root of the problem we would have been sunk. Currently we have paid approximately $80,000.00 off in credit card and other debt including 3 cars. Just a few more months left on the student loan and then to pay off the house in a couple of years. It's a wonderful feeling to finally get there. I never want to be in a debt situation like this ever again. It's also been a learning experience for our teenage son who owns the 3rd car - A 99 Honda completely debt free.

Congratulations, I'm glad it worked for you and you are back on track

John Commuta's book and cds offer the best debt reduction program I've ever heard about. That's because he puts the responsibility for your financial situation on YOU. He empowers you to take charge of your finances and KEEP your money rather than giving it away to creditors. More for YOU. None for them! Live on cash and have more of it. He is to be commended for teaching America how to be responsible. I am a psychotherapist, and I also recommend Larry Winget's You're Broke Because You Want To Be. Don't get me wrong. Bad things do happen to people, but it's possible to turn things around. I, too, need the advice of both of these experts. I got myself into a jam by attempting to supplement my income with real estate when health insurance essentially stopped paying decently for mental health services. I got stuck with 2 condos and have lost my life's savings, my home and my good credit. I need to start over and with their superb help, I will. Sincere thanks to both of them.

Dave Ramsey's strategy is get rid of debt as soon as possible. Not play with lines of credits or play with points here or there. If you actually listen you would know he tells you to have an emergency fund. I have a fund of 10g that only took me about 1 year to build up. Ive followed hes plan now for about 2 years and its been the best thing we've done. I plan on being debt free by age 30. What you are saying may be true but it wont get you out of debt and truly build wealth. I guess thats the difference between a millionare and someone worried about credit and points.