What I Focus On is What I Get! HIGH Financial Efficiency Income systems Debt Accel Assets Write offs + Focus Liabilities Debt Taxes LOW Financial Efficiency

My Former Financial Life

My New Financial Life

Tax Matrix Control Stuff 100% - 0% - 50% - 10% = 40% - 8% = 32% HIGH Financial Efficiency Taxed on Net Income NET Tax Rate Cash Flow Income Tax EIN USE Life Tax 100% - 0% - 50% - 10% = 40% - 8% Deductions = 32% LOW Financial Efficiency Own Stuff Cash Flow Income Tax Savings SS# Spend Life Tax 100% - 33% - 50% - 10% = 7%

Investing Control Stuff 12%-50% 32% Returns Save Stuff 7% HIGH Financial Efficiency 12%-50% Returns 32% LOW Financial Efficiency Save Stuff 7%

Additional Principal Payment $208,286.79 Payment Number Payment Amount Interest Paid Principal Paid Additional Principal Payment Principal Balance Cumulative Interest Cumulative Equity 193 $1,073.64 $539.71 $533.93   $128,996.91 $136,210.06 $71,003.09 194 $537.49 $536.16 $128,460.76 $136,747.55 $71,539.24 195 $535.25 $538.39 $127,922.37 $137,282.80 $72,077.63

Amortization Schedule Payment Number Payment Amount Interest Paid Principal Paid Additional Principal Payment Principal Balance Cumulative Interest Cumulative Equity 1 $1,073.64 $833.33 $240.31   $199,759.69 2 $832.33 $241.31 $199,518.38 $1,665.67 $481.62 3 $831.33 $242.32 $199,276.06 $2,496.99 $723.94 * 46 $1,073.64 $783.89 $289.76   $187,843.14 $37,230.73 $12,156.86 47 $782.68 $290.96 $187,552.17 $38,013.41 $12,447.83 48 $781.47 $292.18 $187,260.00 $38,794.87 $12,740.00 http://www.bankrate.com/calculators/mortgages/amortization-calculator * 358 $1,073.64 $13.31 $1,060.33   $2,133.94 $186,498.22 $197,866.06 359 $8.89 $1,064.75 $1,069.19 $186,507.11 $198,930.81 360 $4.45 $0.00 $186,511.57 $200,000.00 Last Payment July 2046

Additional Principal Payment Do a SWEEP Once a Year… RESULTS Original Using SWEEP Technique Final Payment: 07/01/2046 01/01/2025 Loan Reduced By Months: 242 Total Interest Paid: $186,511.57 $51,378.21 Total Interest Saved: $135,133.36 Total Paid: $386,511.57 $251,378.21 Payment Number Payment Amount Interest Paid Principal Paid Additional Principal Payment Principal Balance Cumulative Interest Cumulative Equity 12 $1,073.64 $833.33 $240.31 $15,000.00 $184,759.69 $15,240.31 13 $769.83 $303.81   $184,455.88 $1,603.17 $15,544.12 14 $768.57 $305.08 $184,150.80 $2,371.73 $15,849.20 15 $767.30 $306.35 $183,844.45 $3,139.03 $16,155.55 16 $766.02 $307.62 $183,536.83 $3,905.05 $16,463.17 17 $764.74 $308.91 $183,227.92 $4,669.78 $16,772.08 18 $763.45 $310.19 $182,917.73 $5,433.23 $17,082.27 19 $762.16 $311.49 $182,606.24 $6,195.39 $17,393.76 20 $760.86 $312.78 $182,293.46 $6,956.25 $17,706.54 21 $759.56 $314.09 $166,979.37 $7,715.80 $33,020.63 22 $695.75 $377.90 $166,601.48 $8,411.55 $33,398.52 23 $694.17 $379.47 $166,222.01 $9,105.72 $33,777.99 24 $692.59 $381.05 $165,840.95 $9,798.32 $34,159.05 25 $691.00 $382.64 $165,458.31 $10,489.32 $34,541.69 26 $689.41 $384.23 $165,074.08 $11,178.73 $34,925.92 27 $687.81 $385.83 $164,688.25 $11,866.54 $35,311.75 28 $686.20 $387.44 $164,300.80 $12,552.74 $35,699.20 29 $684.59 $389.06 $163,911.75 $13,237.33 $36,088.25 30 $682.97 $390.68 $163,521.07 $13,920.29 $36,478.93 31 $681.34 $392.31 $163,128.76 $14,601.63 $36,871.24 TOTAL SAVINGS $135,133.36