John Cummuta

John Cummuta is author of the best-selling Transforming Debt into Wealth® system, the best-selling Debt-FREE & Prosperous Living© Basic Course, Wealth Machine: How to Start, Build, and Market a Debt-Free Business That Fits Your Life, The Power of Perpetual Income, the Customer-Focused Direct Marketing book, the SPEED^™ direct marketing system, the Sales Machine^™ database marketing system—and he’s co-developer of the DebtFree^™ PC automated debt-elimination software.

As a personal finance adviser

John teaches working people that the way to financial independence is not through "managing" their debt, but through eliminating it…all of it, including their home mortgage. And he’s shown hundreds of thousands of them how to do that in just 5 to 7 years, no matter what their income level or debt load. John conducts his popular Transforming Debt into Wealth® seminar around the world, for people like Anthony Robbins and organizations like The Learning Annex, Vision Pursuit in Australia, Tree Seminars in the UK, and Success Resources in Singapore.

His Transforming Debt into Wealth® model has proven to be a fast-lane escape route for hundreds of thousands of hard-working income earners, who had been passing on all their wealth to their creditors, month-by-month, paycheck-by-paycheck. Now they’re eliminating their creditors, month-by-month, paycheck-by-paycheck. And they’re building real, net worth wealth for themselves and their loved ones.

John’s heart is for his fellow Baby Boomers, because the weakness of the Social Security system and the money-siphoning strategies of the credit industry have left this faithful group of Americans on the brink of financial disaster. John’s unique financial strategies offer one of the few exit ramps from this highway to heartbreak. He has helped nearly a half million people position themselves to enjoy retirements most American will only dream about.

As a small business consultant, speaker, and seminar leader

John’s "Prime Directive" is that a business of your own should, first and foremost, help you achieve the daily life you want to live. You should own the business, not the other way around. And the business should accelerate, not slow, your journey to debt-free financial independence. This philosophy is at the heart of his Nightingale-Conant published Wealth Machine and The Power of Perpetual Income audio learning programs. These programs present step-by-step success recipes for the startup entrepreneur...and even the experienced small business operator.

John’s professional qualifications include:

Entrepreneur – starting more than a half dozen successful businesses, one growing from his kitchen table top to $23 million in annual sales and 130 employees.
3-time Inc. 500 CEO. (Inc Magazine’s list of 500 fastest growing private companies in America)
Manager of several radio stations, including VP/GM of WCFL in Chicago
Operations Manager for National Religious Broadcasters association.
National Marketing Director for several nationwide direct marketing companies.
Membership Marketing Director for half million member national association.
Author of Customer-Focused Direct Marketing book.
Author of Sales Machine Marketing System book.
Author of Wealth Machine audio learning program
Author of The Power of Perpetual Income audio learning program
Author of People Skills For Pros video training program.
Author of Debt-FREE & Prosperous Living® Basic Course.
Author of Transforming Debt Into Wealth® multimedia learning program.
Co-creator Sales Machine^™ sales and marketing PC software program.
Co-creator DebtFree^™ for Windows® debt-elimination PC software
Marketing and Management columnist for Radio World magazine – 12 years.
Echo and Caples international direct marketing awards.
"Who’s Who in Sales and Marketing" since 1987.
On-air radio host for more than a decade.
Debt-elimination and wealth-building seminar instructor for more than a decade.
Certified Seminar Leader - American Seminar Leaders Association.
Certified Internet Webmaster - CIW Certification Board.