Have you ever wondered why you, like most Americans, are broke at the end of every month? Are you a slave to the "monthly payment"? Do you believe that things in your life would be better if you only got that well-deserved raise? Are you stuck in debt and believe there is no way out and no other way to obtain life's needs? Did you know one-third of your life's earnings will go to your house payment as another third goes to pay taxes?