Frequently Asked Questions.

Q.1: What is the Money Max Account?

The Money Max Account is an award-winning debt elimination software program designed to help you get out of debt in record time, save tens of thousands of dollars in interest payments, and build life-changing wealth for you and your family.

When you log in to your account, you’ll be greeted by your Money Max dashboard, which brings all your financial puzzle pieces—your income, expenses, and outstanding debts—together to one secure location. Connecting your checking, savings, and other accounts is quick and easy, and once you’re done, the system will automatically begin analyzing your finances to calculate the fastest route to debt freedom based on your ever-changing financial situation.

To find success with the Money Max Account, all you need to do is follow its mathematically precise guidance on how and when to repay your debts. Along the way, you can customize your dashboard to display whatever information is most important to you, like your pay off date, interest saved, principal paid, and more, so you can see concrete proof of progress toward your financial goals.

Q.2: How does the Money Max Account work?

We all go through those phases where we’re really good about catching little dollars here and there that we can save. But imagine how much different your life would be if you could maintain that level of savings indefinitely.

Using sophisticated banking strategies and algorithms, the Money Max Account consistently recognizes those little dollars with mathematical efficiency, every second of every day, for years, until you’re debt-free. It tells you where you can redirect that money, how much to transfer, and when, maximizing the potential of every dollar of your hard-earned money.

Every time you make a purchase, the system recalibrates, updating itself to give you the quickest route to being completely paid off.

Money Max won’t have you spending less, it’ll have you spending smarter. Consistency is the magic of this system, and the rest is math.

For a full breakdown of how our award-winning debt elimination system works, visit our How it Works page. There, you’ll find two informative videos as well as an in-depth explanation of what makes the Money Max Account tick and how it’s helped over 70,000 people realize their financial dreams.

Q.3: How much does the Money Max Account cost?

Everyone’s financial situation is different, so the cost will vary based on a few different factors: how much debt you have, how much we can save you, and how quickly we can help you pay off your debt.

When you connect with your Money Max agent, they’ll gather basic information from you, like your interest rate and the total debt you owe, to run an analysis and give you your projected savings and debt-free date.

While we can’t guarantee what the price will be, we can promise that it will be a mere fraction of the amount the Money Max Account will save you in interest payments.

Plus, with your one-time payment, you’ll have access for life. The savings don’t have to stop when you eliminate the debt you have right now.

So, what do you have to lose? Aside from all that debt and financial stress…

Q.4: Can't I just do this myself?

If the Money Max Account’s only function was transferring idle money from your bank accounts to pay off your debts, then yes. You could do this yourself.

But there are three things wrong with this idea:

1.Money Max doesn’t just repurpose idle money. It puts the banking power of Wall Street into the hands of the people on Main Street. It’s not debt consolidation, loan forgiveness, biweekly, snowball, or the roll-down method. It’s a mathematically precise system driven by high-level banking strategies that accounts for all your income, expenses, and debt, and tells you which debt to pay off, how much, and when –– to the penny.

2. Income and expenses are not static. The amount of money you bring in and spend fluctuates constantly. Inflation changes, you go on family vacations, your kid needs braces, your car breaks down, life happens. The flow of money, both in and out of your account, is dynamic. Keeping track of all of these changes and adjusting your saving strategy to match would quickly turn into a part-time job, which most people don’t have the time for.

3. Consistency. To shave seven to ten years off your mortgage on your own, you would have to be extremely disciplined about identifying and repurposing those idle dollars in your bank account for a very long time. We’re talking several years.

With the Money Max Account, you won’t be shaving off seven to ten years. In that time, you can pay off your entire mortgage, saving yourself ten to twenty years and tens or even hundreds of thousands of dollars in interest.

It’s the difference between printing out a map and having GPS.

If you take a wrong turn and only have a map to guide you, there’s no way for you to know what your new ETA will be. Plus, your map doesn’t update in real time, so how can you know the quickest route to your destination?

When you make a wrong turn following a GPS, the system updates, telling you exactly how much longer your trip will take and the fastest route to get there.

This is the power of the Money Max Account.

At any given moment, it tells you the true cost and long-term impact of every financial decision you make, dynamically adjusting to the changes in your income and expenses and telling you the exact date you’ll be debt-free.

Imagine being able to cut ten to twenty years off your mortgage timeline, knowing the month, day, and year when you would finally pay off all your debt. The Money Max Account gives you that freedom.

Q.5: Isn't this all too good to be true?

This is the question we get the most.

Yes, it is good. It is true. And we’ve got the results to prove it. In fact, we guarantee it!

So far, with over 70,000+ users, we’ve eliminated over 2.6 BILLION DOLLARS in debt and counting. The numbers don’t lie.

In reality, the system we live in should be too bad to be true. The fact that we’re accustomed to shelling out almost three-quarters of what we owe for our homes to the bank in interest payments is ridiculous.

With your one-time payment, you get 90 days of free coaching from the United Financial Freedom team and lifetime access to the Money Max Account. This includes everything you see below, for life:

  • Updates for the program free of charge.
  • Customer service coaching
  • Support from your Money Max Agent

Our goal is to help you bank like a bank, using the same strategies that have been used against you for decades to pay off your debts in record time.

It’s not magic. It’s math.

Q.6: If the Money Max Account is so great, why haven't I heard of it before?

Think back to when you were in school. How often did you learn about paying your taxes, how to buy a house or a car, or even just basic money management?

The system barely prepares you for the real world as it is. Unless you pursued a career in finance or a related field, chances are you’ve never heard of anything like the Money Max Account or the strategies it uses.

And the banks certainly aren’t going to reveal their secrets. Why would they want you to pay less interest? That’s where most of their money comes from!

Banks are in the business of making money, they’re not going to do anything that would jeopardize their cash flow. That’s why banks are always the biggest building in the city.

Ever hear the saying, “Imitation is the sincerest form of flattery?”

That’s what we set out to do with the Money Max Account. The “Financial GPS” uses the same strategies the banks use to help you “bank like a bank,” motivating you to pay off your debts in ten years or less.

Q.7: But my interest rate is so low already. Why should I get a Money Max Account?

Unfortunately, not all interest is created equal. Your interest rate may be as low as 3%, but since your interest payments are calculated based on what you owe the bank, the actual amount of interest you pay each month can be as high as 70%.

That means if your mortgage is $2,000 a month, you could be paying up to $1,400 in interest straight to the bank.

This example shows the difference between interest rate and interest volume.

See, back in the day, banks figured out that most people only stay in their newly bought homes for about seven years. So, to rake in as much money as possible, they “front-end loaded” all their mortgages.

Front-end loading means they tack on the majority of the interest to the first seven years of your mortgage, making sure they get their fair share of money in case you decide to leave within that time.

Clever, right?

We designed the Money Max Account to flip that system on its head and give you the advantage.

By reducing the total amount you owe the bank as quickly as possible, Money Max effectively lowers both your interest rate and interest volume, saving you life-changing amounts of money and helping you pay off your mortgage within or soon after the bank’s front-end loaded seven-year window.

Q.8: Does the Money Max Account require refinancing?

Not at all.

In fact, if you’ve recently refinanced, or tried to and were denied, Money Max is the perfect solution.

Here’s the thing about refinancing:

Yes, it can lower your monthly mortgage payments and ease some financial stress. But only in the short term.

Remember how we talked about front-end loaded mortgages in question 7? In short, the first seven years of your mortgage, you pay a huge percentage of your total interest volume. This is so the banks can collect as much money as possible in the event that you leave your new home within that time.

Refinancing not only extends the length of your mortgage by five to ten extra years, but it also starts you back at square one with front-end loaded interest payments.

All said and done, refinancing will set you back another six to ten thousand dollars. Money that could be yours going straight to the bank.

Typically, the Money Max Account costs half or even a third as much as refinancing will cost you in the long run, saves you decades on your mortgage, and tens or hundreds of thousands of dollars in interest.

If you recently tried to refinance but were denied, Money Max is your chance to lower your interest rate to a fraction of what it is now and break free from decades of mortgage payments –– all without refinancing.

If that sounds too good to be true, then we’d like to refer you back to question 5!

Q.9: But my accountant said I should carry leverage with my mortgage for tax purposes?

This is actually a misconception.

If we gave you $1 back for every $3 you gave us, how many times would you take that deal?

This is essentially what happens when you leverage your debt for tax purposes. You spend a certain amount of money only to get a fraction of it back.

When you’re leveraging your debt, you want to outperform your interest volume, not your interest rate.

If you have no other choice, tax deductibility can be an advantage to having debt. But you shouldn’t maintain your debt for that benefit alone, it simply doesn’t make fiscal sense.

Q.10: If I wanted to, I could just pay off all my debts today. I have enough money in the bank. Why don’t I do that instead?

You could go that route, but would you have the financial reserves to keep living the way you are now? Would you be prepared for any unexpected expenses?

Unless you can pay off all your debt without sacrificing your standard of living, there’s no need to do it all at once. The Money Max Account can reduce the effective interest that you pay down to as low as 1%, helping you reach your financial goals at a more reasonable pace and build even more wealth for you and your family.

That way, you could keep your money for comfort, peace of mind, and emergency funds. And when you’re debt-free, you can put that money to work for you.

Q.11: How do I get in touch with the Money Max Accout support?

If you have a support-related question or you’re having an issue with your account, you can reach our support team by email at support@ufinancialfreedom.com or by phone at 877-576-5563 Monday-Friday from 8am-5pm MST.

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Ralph Hastings Spaine Independent Agent Phone: 240-723-8725 Email: ralph@gosimplified.com
Ralph Hastings Spaine
Independent Agent