Case Study One and Two

Case Studies (Part I): In 18 months, a couple in their 30s created an extra $72,000 a year and are shopping for their first home valued at a half a million dollars. The Situation: A thirty-something year old couple with two young children and a third on the way came to us to increase their cash flow and savings to purchase their first home. At the time, the wife was five months pregnant, and they were renting a house from in-laws, while paying for an exclusive private school for the boys. They had no debt of any kind, except for a car loan. They wanted to maintain their current lifestyle and be able to purchase their first home valued at about $500,000 without any additional financial burden. The Solution: We used our patent pending Income Snowball strategy to create predictable, recurring monthly income for them to counteract the decrease in cash flow they would experience with a newborn child within the next 5 months. We also showed them strategies for paying off their $24,000 car loan in less than six months. Most importantly, we put a plan in place that within two years would create enough additional income to cover the mortgage payments on a half a million dollar home even if the incomes from both of their jobs unexpectedly stopped. The Results: In just 18 months, their results exceeded our projections. After all of their monthly bills are paid, including private school tuition, their monthly income increased by $5,000 and their discretionary cash flow increased by $1,000 per month. In total, they have an extra $6,000 a month to play with after all of their bills are paid, including private school tuition. In other words, they have $72,000 more each year than they had before enrolling with Tardus for wealth coaching. They are now shopping for a home valued at $500,000 that they will own free and clear in less than 5 years. The best part is, they won't ever have to worry about missing a mortgage payment. To get these results, their investment in the Tardus Wealth Coaching system was less than $7 per day. A couple in their 40's with less than $50 a month surplus cash flow, wiped out over $100,000 in credit card debt in 12 months. Now they are on track to eliminate over $400,000 in mortgages and student loans in about four more years. The Situation: A working couple wanted to pay off a mountain of credit card debts, an interest-only mortgage of $300,000+ and their college-age children's student loans. Although together they earn over $100,000 a year, and they didn't live extravagantly, they couldn't seem to eliminate the debt due to mounting monthly obligations. The Solution: We recommended a series of cash flow strategies that helped them increase their monthly discretionary cash flow from $50 a month to $1,000 per month, and create an additional income stream with the Income Snowball. We also suggested a “split” strategy of creating income while paying off the credit cards using a custom-tailored sweep account. The Result: In one year, they paid off over $100,000 in credit card debt which dramatically increased their discretionary cash flow above and beyond the $1,000 we helped them find. They are now attacking their mortgage and student loans without making extra payments or changing their lifestyle. Assuming they stay on track, both the $300,000+ interest-only mortgage and $100,000 in student loans are scheduled to be completely paid off in about four more years.

Case Studies (Part II):

A 62-year old Honolulu retiree purchases and pays off two rental properties

and creates an extra $37,200 a year to supplement his retirement income in

less than 7 years.

The Situation: In 2005, a 55-year old man came to us to learn how to pay off his primary residence

and put himself in a better position to retire. He and his wife had virtually no savings and a surplus

cash flow of less than $1,000 per month. He was anxious about his upcoming retirement because he

knew he would lose a portion of his income, so he and his wife agreed to follow a custom-tailored

Tardus coaching plan and it paid off. At 62, he is now enjoying his retirement and reaping the benefits

of making the system work for him.

The Solution: We started by creating a sweep account for him, which helped him to eliminate debt

faster without any change in his normal monthly payments. We put together a plan for him which

enabled him to purchase two investment properties, one for $120,000 and the other for $150,000. He

used the sweep account to pay off both of them, and now he owns both properties free and clear. The

next step was to create additional income for him using the Income Snowball strategy. He used that to

create a large asset base and additional monthly income.

The Results: Our client was surprised at the rate with which he paid off the mortgages and created so

much additional income through the properties and the Income Snowball strategy. He is now 62-years

old and has an extra $3,100 per month outside of his pension and social security. That's an extra

$37,200 a year and that amount is growing.

Client Comments: “I was surprised at the rate at which I paid down the debts. In fact, my sister-inlaw

who does my taxes raised an eyebrow at me wondering how we were able to pay off the mortgages

so fast knowing of our limited income. I don't know if I would have been able to retire from my job

with the City & County if it weren't for the strategies I learned and the training and coaching provided.

Thankfully, I retired in October of 2011, and we haven't missed a beat.”