I Am Carlos, Nice to meet you!

This is a short bio section because people are always curious as to who is behind the brand. Fun facts about me. How it began... How I can help. Why I do it. "Welcome to My Econ Learning Center We Mad Learn Cast Night" Congratulations On Everyone that Took that leap of faith to opt in to My Get Out Of Debt Podcast Where every Monday Nights at 8 Pm for 1 hour I Talk about important Topics on . How Money Really Works and anything else that has to be about financial literacy. My Story My Journey.....

In 2004 I was $300,000 in debt. I tried the traditional way to get out of debt, for those who don’t know: lawyers , financial accountants, consolidating and credit repair businesses and so on. I lost my 12 year old job, my House my car, everything. Until one day I said enough is enough there has to be another way to get out of this financial situation. One day I was surfing the net and purchased a book called THE CREDIT SECRET BIBLE. As soon as i listen to the Audio cd and read the book.

I instantly knew what I had to do to get out of the financial distress mess that I was in. There was a very important chapter that said if you are in financial distress and you tried everything to get out of it and nothing worked, just gather up all your debts and expenses , credit reports and all important documents with a very deep felt hardship letter that he can’t ignore and than make 2 copies of a the documents you send to the AG than send them to your local Attorney General’s office via certified mail, so the the Assistant Attorney General and Also the Attorney General can see your financial situation and they can possibly help you establish a debt freedom case that they can take care of your financial issues. That’s what I did and it worked.

I was so excited that the same day i began to organized all my debts and all my documents, credit reports and wrote a Hardship letter about my financial situation. Then I put all my documents in a certified mail yellow large envelope and RUSH the documents to my local AG to see if he can help me get out of this mess. About A month later I received an important letter which I still have from the Attorney General stating that he was going to take my case and help me with my financial situation. I was so excited and relieved that finally someone that I can trust was going to help me get out of the messy financial situation I was in. Than about 2 months later I received another letter from AG Stating that MY MORTGAGE and CAR Note Has been clear and negotiated with the creditors as Insolvent to pay my Debts but I have to negotiate a Payment plan to pay-off my creditors Excluding my mortgage my car notes and loans. So now I was so eager to start to take action on what I learned in the book. I began to negotiate each debt one at a time by a method called Debt Stacking negotiations Debt Accelerator to build wealth.

I began to search for more ways to negotiate and accelerate my debts and repair my credit status myself by following every method inside the Credit secret bible book. This book taught me an accidental credit and debt elimination course that I purchased online called TDWS. It stands for Transforming Debt Into Wealth. This course helped me in so many ways. This course help me be more discipline in organizing my debts expenses, it also help me on how to repair my credit status show me ways on how to invest $100 a month on a simple method call BLB (BANK LIKE A BANK) and also help me establish my own personal financial education credit builder financial Ed Coaching business here in Waterbury and Prospect Ct. I began establishing my business just by sharing everything that I learned in the Credit Secret Bible book and on the TDWS Debt freedom course I invested for $300. I began to teach, help some of my close friends, family members and coach other people that were in financial distress too.

In 2008 I was Not Debt Free but I had a MY Debt Freedom-Cashflow Manager Personal Financial and Financial success debt elimination income shifting plan that I still continue to use to reach my Debt freedom dollar number plan and Retirement dollar number plan to pursue debt freedom happiness and change my entire lifestyle. I did not stop there. I continued to search the web to see if there were other financial literacy businesses that would like to help me fund my business and expose and expand my business products and services to a mainstream public level besides the internet. For the full story get my book that everyone needs to read and they don't want you to know called A Guide To A United Personal Financial Success Educated Nation For A Better Prosperous World!:

That’s the first of many financial education books I wrote myself. I realized as I continue to help others with credit and financial distress problems, They Don't Care About Us We are just a fuzzy number inside a box for them all they do is take and take and what we do we give and give. We as people need to learn how to keep more of our money. We continue to demand things and we rely on what we need instead of what we really want then things will not change. When we learn the foundations on how money really works then we will learn how to control more of our money and spend less money then we will start to win the money credit banking game.

But if we continue to give and give they will continue to take and take and win the game. Would you rather give, take or keep? I rather keep and take then give to those who can't save or live the way you live. God gave every single one of us a gift which is life. We all have something special within us. We just have to find that special thing that we have inside us. When we all learn to have faith in God and believe and donate more time to ourselves, that's when things will get better for all of us. God tests us to see how faithful we are to him. All He wants us to have true time and faith in him and ourselves, because for them we are many but to him we are only one anyone that feels me give me an Amen. We all have a gift and a reason to be in this world which is to pursue happiness.

That's what we as people want in our lives, is what we do good versus what we do bad. Life is one and when you live your life and are treated as pursued to fulfill your goals and dreams then you will begin to have a purpose to live your life.