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This course will show you how to:
✔︎ Pay only 10% to 50% of your debt*.
✔︎ Maintain your credit score.
✔︎ Create Rich Habits so you can truly prosper.
✔︎ Never fall into the debt trap again.
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This course will show you how to:
✔︎ Pay only 10% to 50% of your debt.*
✔︎ Maintain your credit score.
✔︎ Create Rich Habits so you can truly prosper.
✔︎ Never fall into the debt trap again.
* Including credit cards, tax debt, personal loans and business creditors.
I know what it's like, 
I've been there.
Hi,

My name is Tony Melvin.

I have always been good at making money. But one day I suddenly found myself in a lot of debt: Credit cards, tax debt, business creditors—in total I was $300,000 in debt with no income, no job and no place to live!

The details of how I got into this sorry state makes for an interesting story, but the reasons can be easily summarized: While I was good at making money, I was terrible at controlling money.

In short, I had Poor Habits.

When I realized this I knew I had to develop Rich Habits and I had to get out of debt.

I had no one to guide me. I turned down some wrong paths that lead to dead ends. It was a lonely battle. I realized had to discover the Rich Habits myself, through trial and error. It was like finding your way out of a cave, in the dark.

Fortunately I triumphed. I avoided bankruptcy. The lessons I learned were invaluable. I shared my story in a book called From Red to Black and over the years people have as asked for my help. I offered a bit of advice or guidance when I could, but due to building and running several different businesses, I was never able to truly help and support as much as I would wanted to—I wasn't able to lead them all the way out of the cave.

But in 2014 I laid out a plan to create a series of books and a coaching program that would provide real support and guidance. And finally, it's here.
No matter what your financial position is right now, I can help you get out of that dark cave, and into the bright sunlight, debt free and happy—only this time you’ll also develop Rich Habits and you’ll never fall back into that dark cave again!

Welcome to the Rich Habits Academy, these lessons will help you get rid of credit card debt, tax debt and personal loans ... fast.
Best-selling Author and Creator of Rich Habits books and board game.
He saved $5,300 a month 
in credit card and loan repayments after the first session!
Ben contacted me after reading my book From Red to Black. He found it in a local library and read it from cover to cover.

Ben had about $175,000 in credit card debt, spread over 8 different cards, and about $150,000 in unpaid personal taxes. With a grand total of $325,000 debt, he felt completely overwhelmed. Less than year ago he had a flourishing business and plenty of cash flow. But a surprising and very upsetting end to a business partnership had left him with nothing, except the debt.
"Ben's" Story.
I can't tell you his real name because he wants to remain anonymous, which is understandable, so let's call him "Ben."
He found the book in the local library.
Ben contacted me after reading my book From Red to Black. He found it in a local library and read it from cover to cover.

Ben had about $175,000 in credit card debt, spread over 8 different cards, and about $150,000 in unpaid personal taxes, plus over $800k in business debts. He felt completely overwhelmed. Less than year ago he had a flourishing business and plenty of cash flow. But a surprising and very upsetting end to a business partnership had left him with nothing, except the debt.
Ben contacted me via my personal website, asking if I offered private consultations. This is his message:
Perfect timing.
Ben's timing was perfect, as I was putting the finishing touches to this coaching program. Here's my reply:
15 Sept 2016 ... the 1st Coaching Session.
Ben jumped at the chance to be one of the first "guinea pigs" in my Coaching Program. We had our first coaching session on Thursday 15th Sept 2016.

During that session, I covered the basics Rich Habits and outlined the plan. I gave him exact instructions on how to communicate with the banks and start the negotiation process.

Here's a text message I received from Ben the next day ...
Here's what Ben achieved in the next 7 days.
After one month
I asked Ben to share his story in his own words. 
It was the worst place to be at age 41. I had $175,000 owing in credit card debt (across 8 different credit cards) and $150,000 in tax owed. I had no assets or job.

Within one month of adopting the strategies that Tony and I implemented (Rich Habits), I had saved $5,300 a month in debt repayments. I started to negotiate with my creditors to settle my debt for a fraction of the total owed and start to allocate for the very first time to invest and prepare my solvency fund.

It was the first time in years that I felt the weight of stress lift from my shoulders and I knew that financial security could be achieved in a very short time.

I consider Tony Melvin to be the “Millionaire Whisperer” for the skills he advances.
Empowered to negotiate.
Once Ben's personal debt was under control we then started to attack his business debts. This was easier to resolved than he initially thought. Some of it was litigation and Ben tactfully negotiated a quick and simple outcome using the Rich Habits philosophy without having to go to court. 
11 months later I received this email from Ben.
Ben's last line is a motto he came up with on my suggestion. Something empowering, a reminder of your unstoppability.

And as a side note, we managed to squeeze in one more lunch before I left for the USA. :-)
Developing Rich Habits.
Keep in mind, when done correctly, none of this affects Ben's credit score.

Most important of all, while starting the negotiation process Ben was changing his Poor Habits and developing Rich Habits. He was no longer spending without plan, but working toward the future and towards solvency.
This is the Rich Habit we're applying.


The Rich Triangle 
Key Definitions
The components of the Rich Triangle make up the most important Rich Habits, there are only 3 fundamental steps required to be Rich. These apply no matter how much money you make.
Allocate
To allocate means setting aside money for a specific purpose and using it only for that purpose.
Viable
Viable is income is greater than expenses.
Solvent
Solvent means having more assets than debt
Lesson #1: 
Your Ultimate Financial Goal
An excerpt from the book From Red to Black
I have found that there is quite a bit of confusion about what people should focus on: Some say that cash flow is king and encourage people to earn more income. Others say that building assets is the key because that builds true wealth. And there are some who believe that debt is bad and you should never get into debt. Each of these different beliefs have valid points, but they have failed to clarify the overall financial goal that everybody should be aiming for.

Your ultimate financial goal is to be solvent. The definition of the word solvent is having more assets than debt; it means being able to pay one’s debts and bills in full. It comes from the Latin word solvere which means dissolve. In essence, if you are solvent, your money can dissolve your debt.
Lesson #2: 
Two Types of Debt
The reason debt is considered by so many to be a bad thing lies in the fact that it is often used for the wrong purpose. There are two types of debt: good debt and bad debt. Unfortunately, the English language doesn’t provide a different word for these two types of debt, so “debt” in general gets a bad name. 

To easily differentiate between the two types of debt, good debt could be called “Investment Debt” because debt against investments that do, or will, increase in value helps increase your solvency.

Bad debt is used to buy things that go down in value or things that have no value at all (like holidays). It is sad that people get caught up in this cycle of never-ending debt. Some refer to bad debt as “Consumer Debt” but a better name for it, one that would help people avoid it, is “Killer Debt.” 

Investment Debt is a tool used to buy more investments and such a debt does not necessarily need to be paid off. Killer Debt, on the other hand, should be gotten rid of fast because it is nothing but a burden.

It’s the combination of Killer Debt and spending more than one makes that has given debt a bad name. The truth of the matter is that insolvency is what is bad. Without the ability to borrow money to invest or start a business, it would be very difficult for the average income earner to build wealth. Investment Debt speeds up the process of wealth creation when combined with sensible money management.
The lessons above are summarised
by these Rich Habits
The purpose of this online course is to eliminate all of your Killer Debt, get solvent 
and develop Rich Habits.
In the Rich Habits Academy you'll discover everything you need to get out of debt fast and create Rich Habits. You can easily review each lesson as many times as you need. This education will provide the foundation that will make you a true Rebel, well on your way to solvency. 

Here's a glimpse of what we'll cover:
  • The Rich Habits - The foundation of true wealth. We'll cover all of the Rich Habits in detail and how to make them a natural habit, so once you have eliminated all of your Killer Debt, you continue to get richer and become a true Rich Rebel.
  •  Debt Control - Stop the phones calls, put everything on pause and save interest and late fees
  •  Debt Negotiation - Learn the Corporate Finance System works, including the Banks so you can easily tame this overwhelming financial beast and negotiation your debt down. Understanding this puts you in a position of power.
  •  Tax Negotiation - Much like the Corporate Finance System, understanding the Tax System puts you in a position of power to negotiate your debt and eliminate all penalty interest and fees.
  •  Protection - Learn how to protect your money and income so you can negotiate while standing on solid ground.
  • Increase Your Income - Discover the 5 simple and effective ways to immediately increase your income, speeding up your journey to solvency.
My promise to you
The Rich Habits have never failed when implemented. 
I promise you this information and coaching program will work for you. 

You will be able to get rid of your Killer Debt, develop Rich Habits so you continue to prosper and never fall into the debt trap again.

Check out the content and see for yourself.

The Rich Habits have never failed when implemented that's why I give you a 30-Day Money Back Guarantee.
What I will NOT do
  • I will never recommend "loan consolidation" which is simply using debt to pay off debt! This is what politicians do. It does not improve your Solvency, it only prolongs your debt and increases the interest you eventually pay. Every action I recommend you take improves Solvency right now, it reduces debt immediately.   
  •  I will not take control of your income. My goal is to help you develop Rich Habits, to put you in control of your own money.
  •  I will not recommend any financial products, investments or loans. I am not a licensed financial advisor, accountant or lawyer. I am sharing the successful methods I used to get out debt fast and I how I control my money and improve my solvency with Rich Habits.  
  •  I will not encourage usual legal solutions such as bankruptcy, debt agreements or voluntary insolvency. These processes often affect your credit score, making difficult to run and own a business and borrow money in the future (for investing purposes). Such methods stay on your record for many years, unless you take certain actions to have them removed. I have discovered that creditors will often want to avoid these legal proceedings too, so in my opinion, they are the last resort when all else has failed. My goal is to empower you, put you in control and help you avoid the legal process. And like all things in life, when you know how, it is much easier to do than you think.
About Tony
Tony Melvin is the best-selling author of 6 books covering the subjects of finance and business.

Over the past two decades he has lectured to thousands throughout Australia, Asia and the USA.

Tony's business interests have extended across several industries including accounting, private equity, recruitment and commercial refrigeration with operations in Australia, Hong Kong, China and the USA. 

Over a decade ago, despite Tony's early success, he found himself in over $300,000 debt after a business deal went bad. Determined to pay back creditors, Tony avoided bankruptcy and rebuilt his wealth. He shared his methods in the book - From Red to Black — How to Get Out of Debt.

Since then Tony has helped many individuals with debt problems, but due to business commitments, was not able to offer full support and guidance. Having recently selling off his business interests, Tony is now dedicating his time as a writer, creating a series of books, a board game and coaching programs that focus on teaching Rich Habits.

In his own words, "I want to give everyone, especially children and teenagers, the opportunity to learn and practice Rich Habits, in a safe environment, so they can successfully and confidentially apply them in the real world."

He resides between Australia and the USA.
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  LEARN THE RICH HABITS, ELIMINATE KILLER DEBT, GET VIABLE AND SOLVENT 
  LEARN THE RICH HABITS, ELIMINATE KILLER DEBT, GET VIABLE AND SOLVENT