FAQs

Q:

What is the Worth Account™?

A:

The Worth Account™ is an online, personal education and financial system. The Worth Account pulls all of your financial accounts into one central location and uses advanced financial strategies to create the most effective, tailor-fitted strategy to help you achieve your goals of freedom from debt.

Q:

Is there anything you could compare the Worth Account to?

A:

Many people have compared the Worth Account to a GPS or navigational device. A GPS calculates where you are on planet Earth and then plots out the fastest, most efficient route to your destination. If the GPS doesn't understand where you are, it can't give you instructions on how to get to your destination. Therefore, the instructions the GPS gives you must be specific to you; they must be personalized.

Now, let’s pretend that your GPS or NAV gives you instructions on how to get to your destination (Disneyland, we'll say), but instead of turning left like the GPS told you to, you turn right. What good would the GPS be if it just pretended that you had turned left and kept going with the same instructions? It would be pretty worthless, right? In order to be effective, the GPS must also be dynamic, meaning it has to adjust to changes that might happen.

It's also important that you are still in control of your vehicle. Although the GPS is giving you instructions, you are still the one driving. If you want to take a detour to see the world's biggest ball of string (which is in Valley View, Texas, in case you were wondering), you can do that, and the GPS will recalculate and give you new instructions on how to get to your ultimate destination.

Getting to Disneyland is similar to getting out of debt. If you want a debt elimination plan to help you get to your destination as quickly and efficiently as possible, it needs to be customized to your particular situation, and it must be dynamic. There are plenty of debt elimination plans out there, but they aren't customized to your specific financial situation, and/or they don't adjust their plan when things change in real life. This is why you need the Worth Account.

The Worth Account calculates where you currently are based on your financial situation and uses that information to create a personalized set of instructions that shows you the fastest, most efficient way to get to your destination of zero debt. If something unexpected happens with your finances, like an unexpected doctor's bill or a bonus check from work, the program will adjust its instructions so you have a dynamic plan that adjusts for the ups and downs that your finances go through every month. Imagine having a GPS device that not only told you what roads to take and where to turn, but also told you how fast your particular vehicle could drive at any given time based on road conditions, weather, time of day, etc. to get you to your destination as fast as you could! That's pretty much what the Worth Account is doing. Only by having a personalized and dynamic plan can you save the most interest and time possible on your debts. And just like with a GPS, you are still in the driver's seat. The Worth Account gives you instructions, but you still decide what you want to do with your money. Want to buy a new barbeque grill? The Worth Account will simply recalculate the plan with that new purchase. Want to go on vacation to Fiji? Simply tell the Worth Account how much money you'll need and when you'll need it, and it will recalculate the plan. With the Worth Account, you are always in control of your money.

Q:

Can't I just refinance/modify my loans? My bank says they'll give me a killer interest rate!

A:

Remember that although your interest rate and payment amount may go down, most times your term goes up in a refinance, meaning you will be paying interest longer. And don't forget the fees that get tacked onto your balance. Banks are a business, after all, and they need to make money.

And they're very, very smart about how they make money. You may have heard banks point out that you can refinance for a lower interest rate and payment amount but keep paying what you've always been paying in order to pay off sooner and thereby save interest. Sounds good in theory, but the reality is that most people don't do this very long. They find other ways to spend that freed-up money.

And we know whereof we speak. We have a lot of background experience in the mortgage industry (more on that later). In fact, the reason we stopped working in the mortgage industry and started helping people get out of debt was because we saw the same people coming in to refinance their loans over and over, essentially hitting the "restart button" on their mortgage every five years or so; they were never going to pay off their home! And virtually every time they came in to refinance, their financial situation was worse - they had racked up more and more debt and their credit score had gotten worse and worse.

Now don't get us wrong; sometimes people really do need to refinance or modify their loan for certain reasons, we understand that. But as far as we're concerned, refinancing (resetting your mortgage) shouldn’t be something that is done every three to five years.

Q:

My brother told me about some other debt elimination plan for free/costs less than the Worth Account. Why don't I just use that one?

A:

There are lots of debt management programs out there, but from what we have found all of them fall short in one or more of the following ways:

  • Every other debt elimination plan we’ve seen doesn't create a truly Effective, Dynamic, Personalized Plan, or EDPP. Instead, they simply provide generalized debt elimination ideas that are not necessarily what best fits your financial situation. These ideas include sending X-amount extra every month toward your debts or paying off one debt at a time based on which debt has the highest interest rate or lowest balance. Although these one-size-fits-all plans might save you some time and interest on your debts, the fact that they're a cookie-cutter plan (the same for everyone and the same every month) means that there's no way they will save you the most time and interest possible on your debts. By contrast, the Worth Account formulates a plan around your income, your expenses, and your debts. That way you know the plan is doable for you. And because the plan is built around you, you don't have to refinance or modify your loans, find a way to increase your income, or decrease your expenses.
  • Other debt elimination plans don't adjust for real life like the Worth Account does. What happens to your debt elimination plan if you missed some work during the last pay period and your paycheck was $234.56 less than usual? What should you do when you have an unexpected $1,258.44 doctor's bill show up in the mail? What about the extra $20 you found in your jacket pocket this morning? Other debt elimination plans simply provide you with a static monthly plan that doesn't account for the constant ups and downs that we all go through financially every month. No one's expenses are exactly the same every month, right? So why should your debt elimination plan be exactly the same every month? The Worth Account's dynamic plan means that you're doing the absolute best possible every month for getting out of debt.
  • Other debt elimination plans rely on you to guess how quickly you want to get out of debt rather than calculating how fast you can really get out of debt. Long experience has taught us that in matters of debt elimination most people are generally unsure about what the best steps are to get out of debt, resulting in a slower debt payoff than necessary. Asking you to decide how much extra you want to send to your debts every month is like a personal trainer asking you how many push-ups you want to do and then just telling you to do that every day. Why even have a personal trainer if they're just going to have you do the same thing every day and every month? The Worth Account, on the other hand, examines your financial numbers, accounts, finances and calculates exactly what the most effective strategy is for you, 24 hours a day 7 days a week. And it bases all of its interest saving strategies around how you want to live your life, not forcing you to do anything. And if your finances change (as they always do), the Worth Account plan changes around you. This results in you paying off your debts as quickly as you possibly can, which results in you saving as much interest as possible.

It's true that there are other debt elimination plans out there that are cheaper than the Worth Account, but they also don't do what the Worth Account does. Not by a long shot. Apples and oranges, folks. It's like wondering why a car costs more than a bike; they're not the same thing, and the bike can't do what a car can do. In fact, some programs that people mistakenly think are similar to the Worth Account aren't even about debt elimination. A certain green-colored-leaf company, for example, while great at what it does (budgeting), is not built to tell you how to best get out of debt and save the most interest; that's not its purpose. Strategic debt elimination is the purpose of the Worth Account.

Q:

Why don't I just do this on my own? I'm pretty good with spreadsheets, and I'm responsible with my money.

A:

The Worth Account is much more than a spreadsheet that tells you how much you've been earning and spending; it is an intricate and detailed program that, in addition to tracking what you've been earning and spending, takes into account all the factors related to your debts (interest rates, terms, payment amounts, balances, etc. etc.) to give you a month-by-month plan for paying off your debts the smartest most strategic way possible. A spreadsheet doesn't do that. We don't doubt your spreadsheet skills, but even if you knew how to account for all the factors mentioned above (and then some), would you really be willing to sit down for hours and hours at least every week to crunch and re-crunch the numbers and figure out what needs to be done each day/month to pay off your debts and save the most interest in the most effective way possible? And every time something unexpected happened, you'd have to rerun all the numbers! There are very few people in the world willing to give up that much time and effort to do that for years on end. The Worth Account makes it easy by doing all the strategizing, calculating, and planning for you. You simply let it know about your income, expenses, debts, and accounts, and the Worth Account maps out the most effective plan through simple-to-follow prompts. Most clients only spend about ten to fifteen minutes a week in their Worth Account.

Q:

I already send extra money toward my debts every month. Why shouldn’t I just keep doing that?

A:

Let's answer that question with another question: How do you know that the amounts you're sending are the best for you? As mentioned earlier, people are notoriously timid about paying off debt. For example, you might decide that you can afford to send an extra $100 to your car loan every month, but what if you could effortlessly afford $107.42 this month? You just lost interest that could have been saved because you didn't pay down the debt as fast as you could have; instead you just sent the same comfortable amount that you send every month.

And how do you know that you've picked the right debt(s) to send that money to? What if that $100 could have eliminated more interest had it been sent to debt XYZ rather than the car loan? Contrary to what some people believe, deciding which debt needs to get paid down and when to save the most interest long-term is more complicated than simply finding out which has the highest interest rate or lowest balance and sending all of your extra money toward that debt. The Worth Account takes into account the big, long-term picture when formulating your debt elimination plan, factoring in all variables to come up with the best possible plan, and adjusts dynamically each time your financial picture changes.

Q:

What about biweekly payments? Won't that save me interest and time on my debts?

A:

Yes, paying your mortgage or other loans biweekly will save you interest and time, but relatively little compared to the Worth Account. For example, making biweekly payments to a 30-year, $200,000 mortgage with 4.5% interest could save just over four years. The Worth Account, on the other hand, typically pays off all your debts in 1/2 to 1/3 the time it would normally take. In this example, that's like trying to decide whether to go with a plan that will pay off the mortgage in 26 years or a plan that will pay off the mortgage and all of your other debts in 10-15 years. That's a pretty big difference.

Q:

I don't have any money left over at the end of the month. How can the Worth Account get me out of debt?

A:

In many cases, people have more discretionary income than they think (We define "discretionary income" as the amount of your income that's left over after paying all of your bills, including entertainment.). The problem is that the discretionary money is mixed up with your bill money in your checking account, rendering it more or less "invisible." The Worth Account, however, can see exactly how much discretionary income you have each month and will figure out what is the best strategy that can be done with that money to get you out of debt.

Let's take the example of Travis, one of our employees. Travis found out about and began using the program when he got a job working in our Client Support Department back in 2008. Prior to using the program, Travis figured that if he never went to the movies or ate out, he might have $25 left over at the end of the month as discretionary income, and he was doing the best he could to send extra money toward his debts when he felt like he had money available. Was he paying off his debts faster than his creditors expected and saving some interest? Yes, but because he was guessing at which way was the best strategy to pay off debts, he wasn't saving as much time and interest as he could have been. Once Travis began using the program, he discovered that he actually had more discretionary income than he had thought and was able to start using that money better to pay off his debts without having to change his lifestyle.

Something else to consider is that although you may not have any discretionary income now, as you pay off your smaller debts those monthly payments become big advantages toward the programs debt reduction strategies.

Q:

Why would I want to pay off my mortgage? It gives me a nice tax deduction!

A:

We hear this once in a while, and it has a pretty simple answer. A quick examination of the numbers shows that the tax deduction is not worth the amount of interest you're paying in interest every year toward your mortgage. The interest you're paying far outstrips any tax deduction you might be getting. It’s like arguing that you should keep paying a dollar to save a dime - not even close to being worth it. Holding onto debt is not a good idea.

Q:

Can anyone benefit from the Worth Account? And how soon can you see results?

A:

The Worth Account is for anyone that wants to get out of debt fast while saving as much interest as possible for their specific financial situation. It is a customized, dynamic debt elimination system that gives you month-by-month instructions built around your financial life and adjusts those instructions as your finances go through the ups and downs of each month.

To qualify for the Worth Account, you simply need to be earning more than you are spending on a regular basis (we can't print money for you, unfortunately). To be able to use the Worth Account, you need access to a computer with an Internet connection and a checking account and a savings account. That's it!

Anyone that uses the Worth Account and follows its prompts can pay down their debt significantly faster than scheduled, which results in saving interest they would normally have to pay to their creditors. This means you can begin to experience the benefits of the Worth Account long before your debts are actually paid off.

The Worth Account is a dynamic program, meaning it adjusts its plan and payoff results based on new real-time information it is given by the user. So if you buy the Worth Account and then buy a car three years later, you can add that new debt to your Worth Account and it will update its payoff plan factoring in the new financial situation. And let's be honest, that sort of thing happens to pretty much everyone, right? Any debt elimination plan that doesn't allow for changes in real life really isn't worth beans.

Q:

My neighbor says I shouldn't buy the Worth Account because he saw some negative stuff about it online.

A:

People have different expectations, personalities, and life circumstances, and although we do our best to meet or exceed everyone’s expectations and accommodate every life circumstance, no company can provide the perfect solution for 100% of the population (even though we can try 100% of the time)! If there is someone online that has a concern, we welcome them to contact us and give us the chance to help resolve their concerns. On a side note, we have also observed that there are those who feel that they have a complete understanding of our product and the benefits it delivers, when in reality their understanding is quite different than reality.

The Better Business Bureau (BBB) is widely considered the measuring stick by which a company's good standing with its customers can be assessed. We are proud that as of this writing we have an "A+" rating with the Better Business Bureau!

If you want to see some reviews from some of the actual users of our program, check out the video testimonials and text testimonials on the Worth Account website. These are real-life clients that have used our program and tell about what it has done for them, as well as about their experiences with the company. Here are a few examples:

"In the first 6 months using the system, we were able to eliminate almost $60,000 of interest and we are on track to be debt-free in 10 years! We love the hope that the program has provided us and feel very blessed. Because it is working so well for us, we now want to share the hope." - Steve W.

"This was the first time I had called in for help with my own program. It was very nice to experience that type of customer service. My representative was professional and friendly and able to solve my problem. Thank you for being just the company I thought you were." -Aubrey and Susan B.

"The program has helped me budget better, and I thought I was good at budgeting. It is amazing my house will be paid off in 7.5 years. I highly recommend the program. Stick to it and even in these hard times you will find financial security." -Nathan & Tanya C.

"This company has changed my life in so many ways! I have always been a good money manager but never had a way to see exactly what my money was doing. Now I have that! It's like having a financial planner at my fingertips every day all day!" -Karen & Steve G.

"Once again I would like to thank you for the opportunity to be able to pay off a 28-year mortgage in a period of 5 years. This will be a great help in preparation for great retirement." - Todd B.

Q:

Does signing up for the Worth Account guarantee that I will pay off my debts?

A:

Just like employing a personal trainer does not guarantee you'll get fit, simply signing up for the Worth Account does not guarantee that you will pay off your debts. We provide training and support for our clients (akin to a personal trainer that gives you instruction and training), but it's up to the client to take full advantage of the program. If you're paying a personal trainer to give you instructions, hopefully you would follow their instructions, right?

Q:

I heard you guys won an award from Ernst & Young. What's that all about?

A:

Ernst & Young (currently known simply as "EY") is a prestigious multinational professional financial services firm headquartered in London, United Kingdom and has been referred to as one of the "Big Four" audit firms.

In 2008, after weeks of reviewing our company and product, they awarded the creators of this revolutionary financial system the Ernst & Young Entrepreneur of the Year Award in the financial services category in the Utah region. Other recipients of the Ernst & Young Entrepreneur of the Year Award include Microsoft, Apple, Ebay, Starbucks, Ancestry.com, 1-800 Contacts, Inc., Skullcandy, Intermountain Health Care, Franklin Covy, and Overstock.com, so we'd say we're in pretty good company.

In addition, the Worth Account was given the Editor's Choice award from Personal Real Estate Investor magazine in 2014.

Q:

I've never heard of the Worth Account. What can you tell me about the history of the company?

A:

It's not surprising if you haven't heard of us before; there are about a zillion companies out there, and we don't expect you to have heard of all of them. But let's take a moment to talk about where we come from and how we got to where we are now.

As mentioned earlier, we started out in the mortgage industry, and although we experienced significant success, we were troubled by how many people we ran into that were digging themselves into a deeper and deeper financial pit. So in 2004 we decided to make a fundamental change to what we did, and started looking for options for helping people to get better control of their finances. After years of research and development, we created a debt elimination/education program that helps people to save significant time and interest on their debts, and began selling it through certified independent agents. We experienced phenomenal growth and success with this revolutionary and innovative program, but the 2007 housing market collapse threw a wrench in the works. The Great Recession severely impacted our growth efforts, and we eventually decided to step out of the independent agent distribution model and turn our attention mainly on supporting the clients that had already purchased the program and making significant development advancements on the program.

By April 2012 the economy had recovered sufficiently and our development efforts had resulted in a significantly more advanced program for assisting consumers with debt elimination and education, so our founders chose to begin focusing on once again building an independent agent field force. This amazing financial program is called the Worth Account, and it is provided through Worth Unlimited™. Today our independent agents have more resources and training than ever before, and the program has gone from a mortgage paydown program to a total debt elimination/education system with an unparalleled ability to understand clients' finances and provide customized instructions on how to get out of debt and build wealth.

As we look to the future, we are focused on continuing to improve and expand the capabilities of the Worth Account as technology advances, finding new and exciting ways to help our clients obtain freedom from debt, build wealth, and position themselves to provide a financially secure and prosperous future for themselves and their posterity. Our goal is to help buy back America one home at a time. Sounds cheesy, doesn't it? But that's our goal, and we're stickin' to it.

Q:

What should I do if I want to learn more about the Worth Account?

A:

Contact Bozer & Associates at (941) 315-5801 or info@bozerandassociates.com for more information.  We will be more than happy to answer your questions and/or send you links to videos that explain the need for the Worth Account, what it does, and how it works. Once you have that foundational understanding, we will meet with you to run a free, no-obligation financial analysis to determine how much interest and time the Worth Account will save you on your debts as well as answer any other questions you may have.

The Worth Account really is a unique, innovative program with no equal. You owe it to yourself to find out what the Worth Account will do for you and your family.