Creditors prey on low-income earners with high interest rates and steep late payment penalties.
Pay-day loan companies are legally allowed to charge interest rates of 546% per year.
Investment companies churn through applicants looking for “salesmen to become financial consultants.”
The credit score companies, Transunion and Equifax charge a fee to disclose your own credit score!
Financial advisors and consultants charge between $250-$500 per hour or package rates of up to $3000-$5000 per client to manage their investments for them.
The industry isn’t interested in helping anyone. They hide their fees in confusing numbers and push their “products” like used cars. The industry is designed to bleed the unwary customer dry.
We have a different philosophy:
- we market education and life skills
- services tailored to the individual
- flexible and accessible
- realistic fees
- no sales culture
We teach the best way to manage money and live free of financial predators.