I have spent the last 10 years, reading, attending seminars, about all kinds of debt free information. Some of the information has been vague or left questions in my mind. Richard's book was the exception to the last 10 years that I have spent searching for "real specifics" on get debt free and this book it's was great. Not only did I thoroughly enjoy all the parts but I changed my habits, I strongly recommend The secret formula to be free of debt.

Paul Shapter

This book was inspiring. I brought The secret formula to be free of debt. The principles are so easy to follow, that make easy to achitive my goal that was be debt free.! Anyone who has any doubts as to the sincerity of what you do, needs to put those doubts aside & open their hearts & mind to the wonderful book.

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