Learn how to Win with Money, for FREE, starting March 9

Just think for a moment – how different would your life be if you could spend all the money you earn anyway you wish, instead of giving it all to others. How different would your life be?

THAT is our goal. We started teaching FREE Financial Peace University classes in year 2016. Since then 93 people have been registered in our classes and attended for 529 weekly sessions. You can register for our FREE class that starts March 9 7:00PM at htp://fpu.com/1113078 or message me to be added manually.

You work too hard to get to the end of your life and have nothing to show for it. We will help you get a plan you can do that will work. For free. We’re a public charity, not a for profit business that wants to sell you something.

Our FREE FPU class starts March 9, 2020 (Monday) at 7:00pm. Come and join Monday at 7:00PM. Good people, good snacks, good information. Register at  http://fpu.com/1113078 or JUST COME. Class is free.

ALC campus, 3301 E Coliseum Blvd, Fort Wayne, IN 46805  Door #4, 7:00PM.

This free public workshop has been underwritten in part 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. https://www.3riversfcu.org/

You can join millions of families who have chosen to change their lives with this simple step-by-step program.

P.S. Know someone who could benefit from Financial Peace University? Bring a friend for free! This video will help them learn more about it.

DIRECTIONS: Adult Life Training, Inc. is in the ALC campus, by door #4, at 3301 E Coliseum blvd, 46805. Google Maps will find Adult Life Training, Inc. directly. Come to door #4 and go a few feet to the right – you should see the Community Room door immediately. We try to start at 7:00 so we can leave by 8:30 or 9:00.

FPU performance since 2016

Living paycheck to paycheck today is normal, and that is NOT “OK”!

We started teaching FREE Financial Peace University classes in year 2016. Since then 93 people have been registered in our classes and attended for 529 (persons in sessions) non-duplicated sessions.

As a public charity our purpose is to relieve the burden of government in helping the public, which is why the government allows us to be exempt from income taxes. We have served in the area of employment for our communities’ most underserved populations for the last 17 years, and added FPU in 2016.

Since late in 2016 we have seen an undeniable improvement in employment for the populations that we serve. This improvement has resulted in more than 96% of working age citizens actually being employed – there is a huge backlog of available jobs with no employees to take them. Even those seemingly less “job ready” have been hired.

These free public workshops have been underwritten in part 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. https://www.3riversfcu.org/.

This means two really good things for Adult Life Training, and for our communities. First, employment is at an all time high for everyone, including those previously not employed. Second, there is a huge number of people, who  for the first time in their lives have real income instead of mere ‘social support’, and these people need to learn how to manage their new income so that they can retire happy.

Something over 80% of Americans live paycheck to paycheck. The bankster marketing machine, like the tobacco industry of years gone by, waddles unencumbered by effective consumer protections and markets their debt even to elementary school children! Oh yes, Barbie has a credit card and she is in debt. Something on the order of half of all marriages end in divorce, but 90% of the reasons given for those divorces involve money problems! The banking industry has brainwashed almost all Americans into thinking that “prosperity” is indicated by uncontrolled spending and a lifetime of being enslaved as a debtor to student loans, credit cards, auto loans, mortgages, and other bankster fabrications to entrap the uninformed.

All these people who now have better jobs, some for the first time in their lives, are fresh meat for the insidious bankster marketing machine. But it doesn’t have to be that way. The bad guys don’t have to win. We The People can stand up and fight to save our communities. We still have enough of our rights left that we can help our fellow citizens get and stay debt free. And that is where FPU classes come in.

The more families we have teaching FPU to their own friends and families, the more people will be informed and avoid or escape the bankster marketing machine. Our goal for year 2020 is to add 12 new coordinator families and help 200 more people get and stay debt free.

If you would like to help and have not yet completed Dave Ramsey’s Financial Peace University, then please do that first. You can register for our class starting March 9 7:00PM at http://fpu.com/1113078.

If you have successfully completed FPU class, and need help staying Gazelle Intense come and talk to John at the office, Tuesday-Friday, 12:00-4:00. Adult Life Training, Inc. is located inside the ALC campus at 3301 E Coliseum Blvd, Fort Wayne, IN 46805. If you do not live in our area but still want to help, please call John and talk with him to get started. If you live in our area and want to stop in you can call ahead to the ALC switchboard be sure John is there 260.432.0014 x128.

If you are now living the dream, or at least working toward it (you don’t need to be finished, just following the Baby Steps yourself: Emergency Fund, Budgeting, Debt Snowball) and you are willing to help teach classes, come talk with John and let’s talk about adding your family as a Coordinator. IF you really can’t help teach this time, but would still like to help, our PayPal and several other donation facilitators are at top left of our web site pages – feel free to help as you can. PayPal doesn’t have a minimum donation.

Stay safe & free. May God Bless!

How To Get Focus: the key to beginning anything

picture of missed target“If you aim at nothing, you will hit it every time.” Zig Ziglar

The most difficult roadblock to our achieving our goals is realizing what they are. On his web site, Tom Ziglar quotes a poem written by a friend and poet, Cliff Feightner, about those of us who simply don’t know what we want and are wandering aimlessly through life, never really achieving anything.

“Even though they are moving around
They make a disparaging sound.
You see them in motion,
Though they don’t have a notion,
For success they are not even bound.”

We sit down with pencil and our nice new planner, all ready to write our “mind map” and …. we got nothing. We don’t learn buy BUYING books, we learn by READING books. Nice planner. Paid for it. I own it now. Hurry up nice planner! Make me a plan!  (silence) (skip to bottom line)

In our youth maybe we had an idea: we wanted to grow up to be a fireman, or a policeman, or a doctor, or a nurse, or President of the United States. Ten years later we go to college, and most likely once there we will change degree objective two or three times before we settle on a goal for our life career.

I wasn’t asked what I wanted to do, the High School and University apparently collaborated on my aptitude and I was assigned to honors physics. ” ‘ear vee haf un poe-tay-toe”: equal potential surfaces just was not what I wanted to do for the rest of my life. I changed degree objectives three times, spending away three semesters of my scholarship. I started in honors physics, then pre-medicine, then finally Electrical Engineering.  I was young. “Equal potential” like “weightless strings” and “frictionless inclined planes” is an oversimplification that mostly does not exist in real life.

But we have to live in real life.

Turns out I went through a four year engineering curriculum in two and a half years, due largely to Purdue’s awesome foresight in allowing some of us to work at our own accelerated pace instead of holding us back sitting in Ye Olde Lecture Roomes. We could pull our next lesson from a file cabinet, do it, see the teaching assistant, take the quiz, take the test, move up to the next course. That allowed me to cover several courses in the time most students would do one course.

Picture of children pretending to be zombies

Zombie Walk in Edmonton. This file is licensed under the Creative Commons Attribution-Share Alike 3.0 Unported2.5 Generic2.0 Generic and 1.0 Generic license.

The normal life routine of just aimlessly ambling along programs us in advance to fail – we do what we are told, never planning for ourselves or even thinking about what we want to be at the end of our life: in the chess game of life we should be thinking three moves ahead but we are only reacting to whatever the other player just did. We just want to “be happy” but we don’t know what “happy” looks like.

When we sit down with our nice new planner and try to pick a goal, we struggle, or come up with some lame thing to write down because we have to write something down. We are not committed to work toward it because, well, we don’t actually feel it, it’s not really our goal, it’s just something we wrote. Buying an exercise machine does not make us physically fit – most people just get a place to hang clothes. If we’re going to get physically fit we have to use the exercise machine as a regular part of what we do.

We think like zombies, just ambling around, numb, moaning “Braaaaains! It’s not my fault! It’s the President’s fault! It’s the Congress’ fault. The man always gonna hold me back!”.

So I said all that to say this: we need to plan. To fail to plan is to plan to fail. If we do not grasp and work toward how we want our last years to be, then we will reach our retirement years and they will not provide the life we want. Unmanaged systems tend to chaos. Without our effort, to plan, our life will not be what we want.

The good news is that we can plan, and we can have whatever we decide will be a  happy retirement for us.

To understand what we really want in life, we can close our eyes and ask our self,  “If I woke up tomorrow morning and everything was a perfect world, what would that look like?” Amazingly, we can picture “perfect” even though we cannot pick a goal. Now, write that down – whatever “perfect” is – as your life goal: describe what makes your world “perfect” as your life goal.

All that remains now is to break it down in steps, assign dates to achieve each of those steps one by one over time.

Money is another area where we all need goals but most people just randomly amble about simply allowing whatever happens to happen. Chaos ensues, and their retirement is filled with poverty and sadness instead of having their financial matters out of the way and being able to give time to being happy. But we don’t need to be poor: we don’t *have* to reach the end of our life and have nothing.


Just as goal setting is easy when you see how to do it, also financial planning is a simple matter of basic steps everyone can do. If you would like to retire strong financially then register for our Financial Peace class which starts March 9. The link is http://fpu.com/1113078. If you can’t afford their “membership kit” then message me.

This free public FPU 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. https://www.3riversfcu.org/.