Do you know how much debt you owe? Do you have a plan that guides your spending? Are you able to pay all your bills on time, every month? Do you have an emergency contingency income plan? Do you have enough financial resources to handle an emergency? If you answered, "no" to any of the above questions, you are a great participant in the dfree® movement. Many seniors have joined dfree® because they have found themselves with financial questions and struggles. Maybe you never took the financial steps necessary to support your retirement. Maybe you planned well but have found yourself in debt after helping family members or friends. Or, maybe you weren't expecting to retire but suddenly found yourself unemployed or facing a major health condition. These are just some of the common experiences that leave seniors needing financial advice. dfree® can help. Others have found dfree® to be a refreshing affirmation of age old values and practices and reinforcement of strategies that have been working and will continue to work. dfree® started in 2005 and has transformed the lives of many seniors. It is not another financial "literacy" program. It is not another "credit counseling" initiative. It is not a quick fix or a clean-up your credit campaign.1 dfree® is a lifestyle. It is a movement toward Financial Freedom. It's never too late to change your financial life and achieve financial freedom! dfree® believes that the road to financial freedom begins by saying yes to no debt!