(Editors Note – This course is not available right now, but the good news is that Step 3 – Design Your Wealth Plan is. That means you can get started now because Step 3 is a standalone course and the first place I start every new coaching client. It's probably the best place for you to start as well. Learn more here...)

What is keeping you from building the wealth you want?

• Not making enough money?
• Not saving the money you make?
• Investments not growing?

I have news for you. These aren’t the cause.

They’re just the symptoms.

Trying to achieve your financial goals by working on symptoms is like trying to cure a cold by blowing your nose.

It won’t work.

The reality is you spend nearly all your waking hours earning money, managing money, spending money, or consuming what you purchased with your money.

Your habitudes (habits + attitudes) determine how well you make those 100’s of decisions every day.

When you think and behave in different ways you’ll produce different financial results. It’s simple cause and effect. The effect is the symptom, and the cause is what you want to focus on.

The seldom spoken truth is most people build their wealth brick-by-brick on auto-pilot through good habitudes. Achieving financial independence through a sudden windfall is the exception that proves the rule. Wealth is usually the result of habits.

Luckily, we are all creatures of habit, which means you just need good money habits to reach your financial goals.

The formula is simple: good habits lead to wealth, and bad habits lead to poverty.

Surprisingly, bad habits are powerful enough to turn a windfall such as an inheritance or lottery win upside down. Alternatively, good habits can turn a schoolteacher’s or janitor’s income into millions.

They are literally that powerful.

The reason is because you’re making so many decisions with such frequency throughout every day that small changes will produce enormous compound returns given enough time.

For example, saving just $5 a day for 75 years at 8% growth will give you more than $7.5 million dollars.

Not bad… but that’s just an obvious example we all understand to illustrate the point.

Just imagine what will happen when you change 5 or 10 habits, many of which you’re not even aware of right now? That’s the power of this course!

We’re not just talking about spending and saving habits either. You will learn how to compound wealth at many levels within your life.

That’s what I will teach you in this course, and it can supercharge your wealth building.

It the easiest, most certain, least hassle way to attain financial freedom and personal freedom.

But don’t make the mistake of thinking this course is just for beginners or people with debt problems because it’s so simple. Even if you’re already on track to your financial goals this course will show you how to take it to the next level. It is arguably the most important course in the 7 Steps curriculum.

Seriously.

Yet, it is so obvious and simple that most people never see the power in it.

How I Discovered The Power of Habitudes

It was an unusually busy day with my fourth coaching client appointment in as many hours.

I had back to back clients.

First a get-out-debt client, then a wealth building client, followed by another debt client, and now a wealthy client.

Suddenly, I was struck by the contrast.

The debt clients shared certain life habits and attitudes. The wealth clients had the exact opposite habits and attitudes.

It was obvious in hindsight, but suddenly I saw it in front of me – their financial situation was just a mirror. Their money was an effect, not the cause.

Habitudes were the cause of their financial differences (and those same habitudes are at the root of any financial limitations you face).

I soon put this realization to the test by coaching to the habitudes (the cause), rather than the symptoms, and produced turnaround results for each client.

The lesson was clear. Change the software (habitudes) and you change the results produced by the hardware (people).

It was simple cause and effect.

And it worked.

The Biggest Cause of Financial Failure, And The Easy Solution

People make wealth building too hard… too big.

They want sexy investment strategies and elaborate “how-to” courses with advanced tactics.

The problem is all this sophistication causes procrastination, and procrastination is the number one wealth killer.

Smart people keep it simple so they can start taking action today.

No giant plan or complex strategies forcing lengthy learning curves.

Instead, start with what is right in front of your nose – your daily earning and spending patterns, and the attitudes that govern your behavior.

Skip the overwhelm caused by complexity.

The decision to focus on the simple stuff right in front of your nose is the smart, efficient foundation to your financial freedom because it requires no extra effort, money, or time.

You’re making all these decisions and doing all this stuff anyway so it’s just plain dumb not to do it right because you’ll just be working smarter, not harder. All gains come from increased efficiency and reducing waste. Who wouldn’t want that?

You’re accelerating your wealth building one decision at a time on auto-pilot through  smart habits making it the simplest, most reliable way to produce breakthrough financial results (given sufficient time).

It is something anyone can do – including you – because the only barrier to entry is your decision to implement the new habitudes in your life.

Nothing else is required.

3 Critical Ways The Wealthy Behave Different From the Poor And Middle Class

This probably sounds a little ethereal at this point so let’s clarify how this works with three examples from the course.

1. Example 1
2. Example 2
3. Example 3

And these are just 3 examples from the more than 26 separate habitudes taught in the course.

Just one of these could dramatically change the financial outcome of your life.

Imagine the impact of implementing all 26!!

100 Days To Build The Wealthy Habits That Will Make You An Inevitable Millionaire

This is not just another “wealthy mindset” or “wealth consciousness” course.

And it’s not about budgeting either.

And this course is totally different from “how to” courses and weekend bootcamps.

You see, the problem with brief instructional techniques like these is it’s like applying force to a rubber band. It changes shape temporarily, but as soon as you remove the force it snaps back and the potential is lost.

Attendees get hyped up, only to return home to their usual life, doing the same old thing, and nothing is changed. The rubber band snaps back.

This course is exactly the opposite.

It’s a process of inner change and gradual transformation to help you adopt new habits in your natural environment every week over a period of time that results in you taking smarter, more effective actions. These daily actions then compound into tangible wealth growth.

It’s just how the math of money works – small differences done with consistency over long periods of time compound into huge profits.

It’s also how human beings work. Regular practice over time creates permanence. The rubber band gets stretched in a specific way so it never returns to its old shape.

That’s why the course is structured as weekly modules so you will implement a new wealth building habit every week. No overwhelm.

Each weekly lesson gives specific action steps to implement along with education to raise your awareness about the cause and effect relationship for that specific habit. The combination of taking tangible action to ingrain the habit along with raised awareness increases your permanent adoption of the habit.

The tangible rewards you personally experience as a result of the small daily practices reinforce and deepen the learning thus strengthening the new patterns into permanence.

At the end of the course, you’ll have new habits that will produce tangible results every day, week, month – for the rest of your life. The more habitudes you adopt, the faster your wealth can grow.

No seminar high followed by a let down. Just progressive, permanent change.

And don’t worry if you don’t adopt all the habitudes. Nobody does all of them well, me included. You don’t have to be perfect. Steady improvement over time is good enough to get the results you want.

The goal of this course is for you to permanently adopt new habits and attitudes that serve your wealth goals. Practice doesn’t make perfect: practice makes permanent.

This course is how anyone with a job, family, and no time to spare or interest to become a financial expert can achieve financial freedom.

It’s also how anyone who is already on track for their goals can accelerate their results.

It really is just common sense once you understand how it works.

What You Will Get

• Daily and weekly action steps showing you exactly where to start and what to do next to accelerate your wealth growth.
• Each week you will implement a new habit or attitude into your life. You will walk-the-talk so that you can prove to yourself what works for you, and what doesn’t.
• Everything will be broken down into sequential baby steps so there is no confusion. Paint by numbers simple.
• Each lesson will be a test habit that at first takes effort. Over time the new practice becomes a permanent habit that serves your wealth.
• The course is built on repetitious small successes every day. Each new task gets easier with each small success. As you progress and see results your confidence grows.
• You’ll have the support system of the entire group and my instruction to help you over the humps and to answer the inevitable questions that surface when you take action.
• You’ll learn a proven approach to get nearly anything you want out of life, including wealth. Coaching clients have used these lessons to lose weight, stop smoking, improve relationships, and of course, accelerate their wealth growth.
• This will teach you how to harness your scarcest resources – time, money, and energy – most effectively to produce maximum results on auto-pilot.
• In other words, you’ll have a method that helps you find opportunities just by living your daily life so that you achieve perpetual improvement in every aspect of your life.
• You will uncover how your current habits created your current life situation and how to adopt new habits to produce any life situation you desire.

What You Won’t Get

• No get-rich-quick schemes here. This is a methodical, reliable, secure path to wealth that works over time.
• It’s not another course on budgeting (although some of the habits will impact your budget).
• It’s not just another “wealthy mindset” or “wealth consciousness” course. Each lesson is designed to shift a specific habit that directly produces tangible results you can measure and see over time.
• There will be no monkey chants, inner-child regressions, or affirmations to recite into your bathroom mirror. Instead, it is a practical, action oriented course.
• No rocket science or revolutionary insights. It is really common sense once you see it.
• There won’t be any sales pitches for investment products.
• This is NOT associated with any debt consolidation, credit repair, or banking services.
• No biased advice because of commission incentives.
• No stock recommendations or market advice.
• There are no up sells, cross sells, back end sales, or other selling gimmicks.
• You get the exact course promised with the benefits promised.
• Just straight forward education that works.

How To Know If This Course Is Right For You

• Do you wonder how you’ll ever reach your financial goals and get ahead when you’re so swamped with job, family, and kids that you can’t possibly take on another task?
• Are you tired of working for your landlord, Uncle Sam, and your creditors?
• Do you ever feel like your money is out of control?
• Do you ever feel like you should be able to have more money left over at the end of the month, but you’re not sure how to make it happen?
• Would you like to know how to get the root of your money issues rather than treating the symptoms?
• Do you feel overwhelmed by money, don’t know where to start, or how to break it down into actionable steps?
• Do you still believe you can just hand your money over to someone else and have them take care of it for you? NOT!
• Would you like to know how to identify hidden issues that are keeping you from greater forward progress?
• Is there more month than money?
• Would you like to know how to identify and replace old rules about money and life that are no longer serving you (and you may not even be aware of) by adopting new ones?
• Would you like to know how to maximize the savings from your current income?
• Would you like to know how to achieve continual improvement so that your savings grows at an expanding rate?
• How to get started on the path to financial freedom the right way?
• How you can still attain wealth in this lifetime, even if you have no time or interest in becoming a financial expert.
• How to mind your money without losing your mind.
• How to live in a perpetual state of improvement so that your wealth is a question of when – not if.
• Do you see yourself in any of the above questions?

If you answer yes, then this course is for you.

Who Shouldn’t Take This Course

• If you believe in quick tips and trick for instant wealth then this course isn’t for you.
• If you believe “The Secret” to prosperity is to recite affirmations into your mirror while tapping on your left wrist then this course is not for you.
• If you love to waste thousands of dollars on weekend seminars that you never take action to implement then this won’t thrill you.
• If you prefer to intellectualize the wealth building process by reading the latest best-seller book rather than produce tangible results through action then this course should be avoided.
• If you’re a victim and believe your life is someone else’s fault then this will cause too much conflict for your self-delusions.
• If you believe walking over hot coals or releasing your inner child will change your financial situation then invest in fire-proof socks instead of this course.
• If you believe anything other than concrete, daily action is what is needed to produce the financial results you desire, then this is not the course for you.
• Editor’s Note: There’s nothing wrong with books, seminars, or personal growth. I love them all. Heck, it’s even fun to be a victim sometimes. It’s just not how wealth is built.

What About All The Bonuses and Guarantees?

• Bonuses: There are no bonuses because I’m not going to waste your time with marketing gimmicks. The course is worth many times what you will pay, and I don’t want your limited time distracted from this essential education with a giant box of garbage ebooks and time wasting downloads of dubious value. There is plenty to learn and do in this course without stacking on a bunch of clever stuff to artificially inflate the perceived value. You get the promise of the course alone and the results it will produce. That is more than enough to justify the price without gimmicks.
• Money Back Guarantee: You get a full 60 day, 100% money back guarantee. Try it out and refund afterword if you are unhappy for any reason. The risk is 100% on me to deliver as promised. You are never at risk.
• Results Guarantee: I don’t offer any results guarantee because nobody can guarantee that anyone will do anything. I know the education works because I’ve seen what my coaching clients have done with it over the years. It is fully proven. However, you will get out of it what you put into it. I offer a royal road to useful knowledge through carefully structured education, but I can’t guarantee how you will use that knowledge, if at all. That is entirely your responsibility.

Answers To The Most Common Questions:

How does the course work?

• It is a multimedia self-paced course, with lessons in video, audio, and PDF transcripts as well so you can learn in whatever format is convenient for you. I’ll email you when new lessons are available. You’ll always be able to access your material via course emails or directly through the Financial Mentor training site.

What if I have questions about the material or process?

• I don’t want you to feel like I’m just giving you access to this course and then walking away with no ability to reach me for feedback and questions. That’s why I’ll be including weekly office hours to get your feedback and answer your questions. In addition to having access to me, I’ve added a private Facebook group for masterminding among like-minded wealth builders going through the same lessons as you.

Is this course live?

• This is NOT a live presentation. (Temporary Correction: This first round of the course will be live with Todd in a “mastermind format”, but then recorded so you have permanent access. Future attendees will only get the recorded version. You get much more access to work directly with Todd by being part of the first group, which will be limited to 50 people to allow personal attention.) It’s an online video and audio course you can take at your own pace. It comes with lifetime access so the strategies and tactics in the course will always be available to you, ready whenever you need them.

How much time will it take?

• You can go as fast or as slow as you want. You can download the material and work through it on your phone or laptop. You can read the transcripts or listen to the audio while commuting or working out. Whatever is easiest for you. Because it comes with lifetime access you can go as fast or as slow as you want.

What if I fall behind or miss a call?

• Don’t worry. The course comes with lifetime access so you can take a break if you are out of town or on vacation or just get temporarily swamped. Interruptions happen, and everything is recorded so you have access 24/7 at your convenience. If you need to take a break, that’s no problem. You can “resume” your learning any time you want. It will always be there and waiting when you are ready.

Will the process and information change for Habitudes? If so, how will you update it?

• These lessons are timeless. I have every reason to believe that what you’ll learn in this course will be as useful for your grandchildren as it is for you today. After all, it’s all about human nature, simple math, and basic personal finance. Those things haven’t changed in 3 generations and won’t likely change for the foreseeable future.

Why should I buy your course with all the free stuff out there?

• I’ve figured out how to take 25 years of research, integrate all the contradictory financial advice, eliminate the nonsense, and simplify the whole thing into a comprehensive course of study that makes complete sense to both non-expert and experts alike. Plus, it’s 100% actionable. You’re paying for the royal road to this knowledge. No wasted time. No dead-end paths. No nonsense. What is your time worth? What is it worth for you to get the results you want now instead of later?

I think I may be too busy to take your course. Maybe later…

• What is the opportunity cost of lost gains because you weren’t using these strategies? What impact will delay cause on the lifetime, compound return of your money? These are all questions you need to consider in deciding what priority you give to taking this course. The numbers should make the decision obvious.

Do you have a money-back guarantee on your course?

• I only want happy clients. If you are dissatisfied or just change your mind anytime in the first 60 days, simply let me know and you’ll receive a 100 percent refund.

Does this work for international students or is it U.S. investors only?

• The principles to successful habitudes for wealth building know no borders and neither does this course. While language and some examples may be U.S. centric, the course is 100% applicable with minimal adjustment for international students.

Can you give me a behind the scenes look at the course…

• The bad news is I can’t show it to you right now because I’m building the product live with the first group. Sorry. The good news is you get to be in that first group and get deep one-on-one access to me and personal interaction that future attendees won’t get once it is in final product form. Again, this is a carefully structured teaching process I’ve followed for years with my one-on-one coaching clients with great success. I’m not winging it. Everything is proven out. Nobody has ever complained and the testimonials speak for themselves. You always have the 60 day money back guarantee if it isn’t working for you, or you could pay monthly and quit at any time meaning you are never really at risk if it turns out different than you expected.

Is this course worth the money?

The value equation is simple.

What would it be worth to you to eliminate wasteful spending?

What would it be worth to eliminate wasted time?

The compounded effect of these changes should pay for the course many times over in just a few years, and you get value from this education for your entire life.

[A FEW MORE TESTIMONIALS]

What Are You Waiting For?

There’s no relationship between how much money you make and the wealth you’ll create.

It’s not about how much you earn as much as how well you manage what you earn.

Postal workers and school teachers retire rich on modest salaries while six-figure earners carry six figure debts.

The difference is their habitudes.

The truth is you spend nearly all of your waking hours earning money, managing money, spending money, or consuming what you purchased with your money.

In other words, you’re going to play the money game every day whether you like it or not. It’s mandatory. The only choice you make is whether to play strategically, or not.

Your habitudes determine how well you play the money game which determines to a large extent the quality, and sometimes even quantity, of your life.

Every day that you play without the right habits it costs you money. It slows your journey to financial freedom because time is working against you, rather than for you.

This course literally puts time on your side (financially, that is).

It accelerates your journey to wealth regardless of your asset level today.

The longer you wait to put this course into practice, the more it costs you.

The most expensive decision you can make is to wait (Yeah, I know, sounds like a sales line, but it’s true), so click here to start putting smart habitudes to work for you today!

(Editors Note – This course is not available right now, but the good news is that Step 3 – Design Your Wealth Plan is. That means you can get started now because Step 3 is a standalone course and the first place I start every new coaching client. It's probably the best place for you to start as well. Learn more here...)