1. 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

2. My Former Financial Life

3. My New Financial Life

4. 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%

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

6. 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

7. 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 *
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

8. 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