If you've been sensing that there is a better way to eliminate debt, you are 100% correct. Never before in history has there been a book devoted to educating consumers on interest cancellation and opportunity cost calculation, until now. The PILL Method exists to tell you the truth about money, debt and the interest you pay. This book was written to help you understand the power of the penny (how much interest each penny can cancel when optimized) instead of relying on heuristics (rules of thumb). Many tools that are taught as best practices such as the debt snowball, avalanche method, and rounding up your payments can actually cause you to prolong the life of your loans by paying $30,000 to $50,000 more in interest than you should. In this book you will learn: - The history of amortization in America - How to gather small amounts of money and apply them as principal prepayments - How to reverse the leveraging action of amortization so you can cut interest costs - How an opportunity cost calculator can aid you in the process of retiring all of your debt in 7 to 9 years If your goal is to borrow money at the deepest discount, make interest when investing or save interest when you borrow, this is the perfect book for you. Once you gain an accurate sense of principal reduction costs you can appreciate the effect of optimized interest savings through interest cancellation. If you are ready to stop trusting your feelings and start relying on math, The PILL Method holds the answers to your financial questions.
