do not pay for mortgage accelerator programs don't pay for the courses that tout total Financial Freedom because those who can do usually teach their only goal is to milk you for what you got their goal is to take your money and make them rich and not to help you financially use the tools available to you at your disposal that are absolutely free and do not buy for get rid of your debt schemes that charge you a monthly fee or charge you for the course to take even if it's a $99 course 99 bucks may not sound like a lot but that's 99 bucks you could put towards your mortgage repayment so do not waste your money on schemes that basically tell you the same things that I'm telling you here right now for free [Music]