How it Works
Smart Debt Elimination
The LAMP System calculates how to eliminate debt using interest, balance, monthly payment, and duration of the debt - all automated.
Personalized Financial Roadmap
The system creates a monthly, step-by-step guide to reach your Financial Freedom Date.
Comprehensive & Accessible
Covers much more than getting out of debt-available 24/7, online or on mobile, and built for real financial freedom.
Equity Creator™ Blueprint
The Equity Creator™ Blueprint is a strategic, personalized plan designed to help you
eliminate fixed debts—such as mortgages, auto loans, credit cards, and student loans—faster and
with greater efficiency. By analyzing your income, lifestyle expenses, and available margin, the
blueprint gives you step-by-step guidance on how much to pay, when to pay it, and which debts to
target first to reach your Financial Freedom Date™. But it doesn't stop at debt. The Equity
Creator™ Blueprint also addresses essential long-term financial goals, including building
an emergency fund, ensuring adequate life insurance protection, and planning for retirement.
It's not just a payoff strategy—it's a comprehensive financial roadmap created to help you build
stability, security, and wealth.
Monthly Statement
The Equity Creator Monthly Statement provides a clear and detailed snapshot of your progress
toward debt freedom. This personalized statement outlines exactly how much to send to each
creditor, including a breakdown of principal, interest, and remaining balances for every debt in
your plan. It tracks your monthly activity and updates your progress toward your Financial
Freedom Date™, giving you confidence and clarity as you move forward. By reviewing your
statement each month, you'll be able to ensure that your payments are aligned, catch any
discrepancies early, and stay motivated by seeing real results. It's more than a statement—it's
your monthly progress report on the journey to financial independence.
The Life and Money Plan (LAMP) is a unique, step-by-step financial system designed for real people — not financial experts.
Most financial professionals focus on investing, insurance, or selling financial products. And while those things are important, many people face a more urgent challenge: debt. Whether it's from housing, vehicles, education, or everyday survival — debt shapes our choices and affects nearly every area of life.
The problem isn't always income. It's often the lack of a clear system for getting out from under the debt we've accumulated. That's where LAMP steps in.
LAMP doesn't just teach budgeting — it does the math for you.
It analyzes all your debts (interest rates, balances, payments, and duration of the debts) to create a precise monthly plan. The system performs tens of thousands of calculations to determine your Financial Freedom Date — the exact month and year you'll be completely debt-free, including your mortgage.
Most users reach that date in 8 to 12 years, without increasing their monthly payments.
You don't have to guess which debt to pay next.
You don't need to figure out how much extra to send.
LAMP guides you like a GPS — from point A to point B — with clear, monthly instructions that adapt to your real financial situation. The system is 100% online, available 24/7, and works from your phone, tablet, or computer. Whether you're at home, at work, or on the go, your plan is always at your fingertips.
Best of all, LAMP isn't tied to any bank, lender, or financial institution. It's built to put you first — helping you eliminate debt, build momentum, and move toward a secure, confident retirement.
If you're serious about getting out of debt and want a proven system to guide you — LAMP is like nothing else available today.