Debt as a means to invoke control

I feel that debt is the single most dangerous threat to America today, leaving 75% of Americans living paycheck to paycheck – they dare not miss one paycheck to stay fed and sheltered.

Living trapped under control of that common financial terrorist state is unnecessary: there is a way out.

There are several basic steps every family (or singles) can begin following that (1) gets us a security buffer so we can temporarily weather loss of income without using credit cards, (2) gets us out of debt legally and ethically so that we are far less vulnerable to economic problems that we cannot control, and ultimately (3) provides our children with paid for college without student loans and a comfortable and happy retirement for ourselves.

It’s not smoke and mirrors magic and it’s not rocket science – it’s common sense steps that anyone can do, for free.

To learn more about how to free yourself and your family register for our next FREE FPU class.

The class is FREE. There is material you can buy from the Ramsey corporation, but the class is free and you are not forced to buy their materials, although if you can afford the $109 they ask for then you will get full web access to their videos, resources, and financial tools. You can still come to class if you don’t buy their materials. It’s called “Auditing”: you can do that! Don’t let the cost drive you off!

The registration link is You can call me at my office Tues-Fri 12:00-2:00 at 260.432.0014 x128  most weeks or email me with questions using the button on that registration link (

This free public workshop has been underwritten by a generous grant from the 3Rivers Federal Credit Union Foundation. 3Rivers is Here for you: here for good. If you’re ready to start a lifelong banking relationship with a local organization you can trust, then 3Rivers is for you.

2018 Budget Results posted

The 2018 budget has been reconciled and results posted at Mostly on target with some exceptions.

Year 2018 was interesting with higher than anticipated maintenance costs, coordination problems that resulted in fewer FPU classes, and of course from fewer classes fewer instructors paid and less expended than anticipated for FPU instruction. FPU materials also cost less than expected (in example, a FPU-Teen digital license cost $10, compared to an FPU membership $109), allowing funds from FPU materials to cover maintenance costs.

In year 2017 we hosted eight (8) FPU classes, but there were delays and problems coordinating schedules with another important organization, so in year 2018 we hosted only three (3) FPU classes, including one (1) using the new FPU-Teen material. In year 2019 we expect to host 10 (nine week) FPU classes (combined total of FPU and FPU-Teen) with much lower maintenance costs. Take a look for yourself and see.

Setting Goals for 2019

Setting and Pursuing Your Goals is the difference between merely dreaming and making your dreams come true.

A Dream is Only a Dream, but a Goal is a Dream with a Plan and a Deadline.

But where to start? How do I even begin to set goals?

Here is a short video from the company that donates Passion Planners to us each year to teach our participants how to get what they want out of their life!


If you don’t have your Passion Planner yet, we recommend that you visit

Stats 2018

In year 2018 Adult Life Training, Inc. provided 4,900 hours training to 980 attending Senior Aides, who earned 28 certificates in basic computer job skills.

in year 2018 Adult Life Training, Inc. provided 176 hours of training in Financial Literacy to 88 attending citizens, training them with the knowledge and tools they need to get and stay out of debt, have three to six months expenses saved in advance in their emergency fund, and invest for their children’s college and their own retirement expenses. These free public workshops were underwritten by a generous grant from the 3Rivers Federal Credit Union Foundation. 3Rivers is Here for you: here for good. If you’re ready to start a lifelong banking relationship with a local organization you can trust, then 3Rivers is for you.

This represents an increase in persons trained from 571 in year 2017 to 1068 in year 2018, and from 2,318 hours in 2017 to 5,076 hours in 2018.

More details on Adult Life Training, Inc., it’s board members, and its social impact can be found on GuideStar at

Tax information concerning Adult Life Training, Inc. can be freely accessed from the United States Treasury Department page at or Browse to and POINT TO the large blue Charities & Nonprofits button at the top right of the page, then click the Item labeled “Tax Exempt Organization Search”. Enter “Adult Life Training Inc” to see all tax returns and data since year 2007.

Money is a big deal in your life

Money is a big deal in your life. You may feel ashamed. You may just feel stressed. And if you’re not scared, you’re probably a little unsure.

That’s why we have a team who’s been where you are, knows how to get out, and will help you get there too.

Dave Ramsey, Chris Hogan, and Rachel Cruze are all #1 best-selling authors who speak to sold-out venues across the country. Their books, podcasts, and shows have helped millions of people change their lives. And now, they’re going to help you change yours. Registration link for the next FREE class is here: (excerpt from 2019 FPU Coordinator Guide)

Planning for the future is hard when you’re still paying for the past! Listen—there’s a better way! Join my Financial Peace University group, and we’ll learn how to beat debt and make a plan for the future . . . together! Interested? Join me at Adult Life Training, Inc., on the ALC Campus, 3301 E Coliseum Blvd, Fort Wayne, IN 46805 starting Tuesday Jan 8 at 7:00pm. Feel free to message me your questions or sign up at!

Class materials are recommended but optional – you can still come and learn even if you cannot afford the $10/month membership.