1. Spend Smart presented by Dave Ireland

2. Spend Smart Psychology of Buying Psychology of Buying Goals Setting -- Turning Dreams into a Reality Goals Setting -- Turning Dreams into a Reality Spend Smart Tactic #1 -- Eliminate Your Debt Spend Smart Tactic #1 -- Eliminate Your Debt Value of a Dollar Value of a Dollar Reverse Budgeting/Seize Your Savings Reverse Budgeting/Seize Your Savings Other Powerful Spend Smart Tactics Other Powerful Spend Smart Tactics The Spend Smart Strategy The Spend Smart Strategy

3. Spend Smart Textbook Why do you want to Spend Smarter? - page 9 Why do you want to Spend Smarter? - page 9

4. Out of 100 People Reaching 65 Only 4% reach financial freedom.

5. Spend Smart Textbook Why do you want to Spend Smarter? - page 9 Why do you want to Spend Smarter? - page 9 To Succeed with Spend Smart...set Goals - page 16 To Succeed with Spend Smart...set Goals - page 16

6. Spend Smart Textbook Why do you want to Spend Smarter? - page 9 Why do you want to Spend Smarter? - page 9 To Succeed with Spend Smart...set Goals - page 16 To Succeed with Spend Smart...set Goals - page 16 The Psychology of Buying - page 43 The Psychology of Buying - page 43

7. Pavlov’s Dog Stimulus, Response, and Association Advertisers Create Associations Insurance= Happy Families Beer = Beautiful Woman Trucks = Tough Guys

8. Spending Personality Personality ScoringPersonality Scoring Primary Personality - Score = 10 - 15 Secondary Personality - Score = 6 - 9 Personality Not Present - Score = 0 - 5

9. Deal Quotient Table

11. Spend Smart presented by Dave Ireland

12. Spend Smart Textbook Why do you want to Spend Smarter? - page 9 Why do you want to Spend Smarter? - page 9 To Succeed with Spend Smart...set Goals - page 16 To Succeed with Spend Smart...set Goals - page 16 The Psychology of Buying - page 43 The Psychology of Buying - page 43 The Value of a Dollar - page 27 The Value of a Dollar - page 27

13. Spend Smart Textbook Why do you want to Spend Smarter? - page 9 Why do you want to Spend Smarter? - page 9 To Succeed with Spend Smart...set Goals - page 16 To Succeed with Spend Smart...set Goals - page 16 The Psychology of Buying - page 43 The Psychology of Buying - page 43 The Value of a Dollar - page 27 The Value of a Dollar - page 27 Appliances - page 83 Appliances - page 83

14. Spend Smart Textbook Why do you want to Spend Smarter? - page 9 Why do you want to Spend Smarter? - page 9 To Succeed with Spend Smart...set Goals - page 16 To Succeed with Spend Smart...set Goals - page 16 The Psychology of Buying - page 43 The Psychology of Buying - page 43 The Value of a Dollar - page 27 The Value of a Dollar - page 27 Appliances - page 83 Appliances - page 83 Reverse Budgeting - page 62 Reverse Budgeting - page 62

15. Spend Smart Textbook Why do you want to Spend Smarter? - page 9 Why do you want to Spend Smarter? - page 9 To Succeed with Spend Smart...set Goals - page 16 To Succeed with Spend Smart...set Goals - page 16 The Psychology of Buying - page 43 The Psychology of Buying - page 43 The Value of a Dollar - page 27 The Value of a Dollar - page 27 Appliances - page 83 Appliances - page 83 Reverse Budgeting - page 62 Reverse Budgeting - page 62 Seize Your Savings - page 71 Seize Your Savings - page 71

16. Critical Spending Issues Explosion of ways to spend Explosion of ways to spend Loss of psychological tie to real money Loss of psychological tie to real money Lack of insight to credit card spending Lack of insight to credit card spending Inability to compare spending to income in real-time Inability to compare spending to income in real-time Inability to save for future expenses Inability to save for future expenses Lack of training Lack of training

18. Success Achieved Manage all your spending in one EASY and efficient system Know the impact of EVERY spending decision you make! Know exactly how much you have LEFT to spend! Have the information to make YOUR spending choices! Save for future expenses so you ALWAYS have the money! Apply sound financial principals to generate a PROFIT!

20. Money for Life - Financial Fitness University Let us give you a free gift for trying the Mvelopes System! We have created a 5-Day Spending Management E-Course called Money for Life - Financial Fitness University. This powerful new e-course will help you understand your spending and achieve True Financial Freedom! 5 day budgeting e-course- Get an email each day for 5 days. Each lesson will walk you through a step-by-step process to get control of your finances. Budgeting e-book- Free 92 page budgeting success novel that walks a couple through the budgeting process. Success Planner e-book- 89 page e-book with the "nuts & bolts" of what you need to do to get your budget started. Access to exclusive tools- Online Budget Calculator, Debt Calculator, Interactive Financial Fitness Quiz, and free printable budgeting and financial worksheets.

22. Spend Smart presented by Dave Ireland

23. Debt Elimination Debt = 30% of Lifetime Earnings! (Taxes = 37% to 50%) – – Mortgage Interest = 20% of Earnings – –Other Credit Interest = 10% of Earnings #1 Spend Smart Tip – Invest In Your Debt – –Using Spend Smart, the Invest In Your Debt System can teach you how to be debt-free in 5 to 7 years, including your mortgage, on your current income

24. Invest In Your Debt Textbook Debt Free Calculator - page 162 Debt Free Calculator - page 162 “When Can I be Debt Free?”

25. Debt E-Racer Software Using the Free Debt E-Racer Software will allow you to: Using the Free Debt E-Racer Software will allow you to: Compare the results of using different Spend Smart Factor amounts. Compare the results of using different Spend Smart Factor amounts. Choose from different prioritization methods. Choose from different prioritization methods. Run “What If” Scenarios. Run “What If” Scenarios. Determine the impact of lump sum payments. Determine the impact of lump sum payments. Recalculate and stay on track when your situation changes. Recalculate and stay on track when your situation changes.

26. Spend Smart Textbook Why do you want to Spend Smarter? - page 9 Why do you want to Spend Smarter? - page 9 To Succeed with Spend Smart...set Goals - page 16 To Succeed with Spend Smart...set Goals - page 16 The Psychology of Buying - page 43 The Psychology of Buying - page 43 The Value of a Dollar - page 27 The Value of a Dollar - page 27 Appliances - page 83 Appliances - page 83 Reverse Budgeting - page 62 Reverse Budgeting - page 62 Seize Your Savings - page 71 Seize Your Savings - page 71 Automobiles - page 90 Automobiles - page 90

27. Spend Smart Insurance Average Family Spends $2-$5000/year Average Family Spends $2-$5000/year You can save more than $1000/year! You can save more than $1000/year! Learn the Spend Smart Laws of Insurance Learn the Spend Smart Laws of Insurance

28. Spend Smart Textbook Why do you want to Spend Smarter? - page 9 Why do you want to Spend Smarter? - page 9 To Succeed with Spend Smart...set Goals - page 16 To Succeed with Spend Smart...set Goals - page 16 The Psychology of Buying - page 43 The Psychology of Buying - page 43 The Value of a Dollar - page 27 The Value of a Dollar - page 27 Appliances - page 83 Appliances - page 83 Reverse Budgeting - page 62 Reverse Budgeting - page 62 Seize Your Savings - page 71 Seize Your Savings - page 71 Automobiles - page 90 Automobiles - page 90 Insurance - 135 Insurance - 135

29. Spend Smart Insurance Homework Raise Your Deductibles Raise Your Deductibles Drop Full Coverage Drop Full Coverage Shop for Insurance Shop for Insurance

30. Spend Smart Textbook Why do you want to Spend Smarter? - page 9 Why do you want to Spend Smarter? - page 9 To Succeed with Spend Smart...set Goals - page 16 To Succeed with Spend Smart...set Goals - page 16 The Psychology of Buying - page 43 The Psychology of Buying - page 43 The Value of a Dollar - page 27 The Value of a Dollar - page 27 Appliances - page 83 Appliances - page 83 Reverse Budgeting - page 62 Reverse Budgeting - page 62 Seize Your Savings - page 71 Seize Your Savings - page 71 Automobiles - page 90 Automobiles - page 90 Insurance - 135 Insurance - 135 Food / Groceries - 112 Food / Groceries - 112

31. The IYD Nine Step Program Study the Spend Smart Textbook -- Learn How to Save Money Study the Spend Smart Textbook -- Learn How to Save Money Study the Free Money For Life Financial Fitness University Books Learn how to set up your Envelopes Study the Free Money For Life Financial Fitness University Books Learn how to set up your Envelopes Use the Free Mvelopes Software to set up your Reverse Budget Categories -- Track your spending automatically Use the Free Mvelopes Software to set up your Reverse Budget Categories -- Track your spending automatically Implement the Reverse Budgeting Tactics Implement the Reverse Budgeting Tactics Make sure one of your Reverse Budgeting Categories is a Spend Smart Factor Envelope So you can save to Invest In Your Debt. Make sure one of your Reverse Budgeting Categories is a Spend Smart Factor Envelope So you can save to Invest In Your Debt. Each month, Seize Your Savings and Invest In Your Debt -- Just like a 401K – Only Better Each month, Seize Your Savings and Invest In Your Debt -- Just like a 401K – Only Better Study the Invest In Your Debt Textbook Learn how to personally implement the Linear Math, Variable Path Process and capture 30% to 40% of your paycheck Study the Invest In Your Debt Textbook Learn how to personally implement the Linear Math, Variable Path Process and capture 30% to 40% of your paycheck Use the Free Debt E-Racer Software to analyze your personal situation and find out how much money you can save - Optimize your debt elimination process Use the Free Debt E-Racer Software to analyze your personal situation and find out how much money you can save - Optimize your debt elimination process Take the IYD Webclass Seminar online for Free, as often as you want Share it with your family and friends Take the IYD Webclass Seminar online for Free, as often as you want Share it with your family and friends Call Margie for Help - 888.913.8786 Call Margie for Help - 888.913.8786 The “Do-it-Yourself” Approach

34. Get Assistance

35. Teach It!

37. Value Share 7 Essential Money Skills Financial Secrets of Prosperous People Shield Earn Invest Save Control