$MART DEBT Offerings (draft)

Core Content & Products

Digital American versions of:
- Pamphlet
- Booklet
- Book
- Course
Note: All content is digital. Only consider printing for large special orders with a good ROI, requiring 50% prepayment.

Formats: YouTube, blog, newsletter, etc.
Strategy: Subtly promote other offerings.
Key Idea: Create interactive blogs that include subsets of the $MART DEBT Visualization (SDV) tool to illustrate concepts, similar to embedded code sandboxes.
$MART DEBT Advisor Insights: A subscription publication, perhaps for premium Community members.

Personalized analysis micro apps allow users to instantly quantify the benefit of different strategies for their unique situation
embedded in my $MART DEBT Insights
can use an icon for a meaningful visual (camera lens, Polaroid frame, “focus” symbol, etc.)
could be organized to create $MART DEBT App
UX: “Take a quick Snapshot to see how much you could benefit”
easily shared (on social media)

$MART DEBT Intro (pamphlet)
$MART DEBT Myths (e-booklet)
- Subtitle: Dispelling the Myths of Borrowing to Invest
- Purpose: Free lead magnet.
- Formats:
  - Website: smartdebtcoach.com/myths or myths.smartdebtcoach.com
  - E-book (with a link on the first page to the live website for updates)
  - PDF
- Features: Includes links to other free resources.
The $MART DEBT Coach (book)
$MART DEBT Strategies

$MART DEBT Investors: General community for investors.
$MART DEBT Advisors: Community for financial advisors.
$MART DEBT Certified Advisors: A referral network for advisors certified via the MASTERCLASS.
$MART DEBT Inner Circle: Exclusive membership for Advisor Top Producers.
$MART DEBT Club

Model after Dale Roberts’ offering: “Join Retirement Club is full. Retirement Club will start in mid January. It is a series of monthly Zoom calls, monthly newsletters, retirement portfolio updates, a resource hub and more… The first group sets sail this month, and that group is fully subscribed. When you email me I will put you on the wait list for Retirement Club 2.” — findependencehub.com

Virtual $MART DEBT Coach
- Concept: An AI chatbot trained on the $MART DEBT knowledge base.
- User Agreement: User must acknowledge the tool is for informational purposes and not a substitute for professional advice (no liability).
- Monetization: Free with limitations, or a premium service.
- Next Steps: Should link to other offerings.
Idea from Shane Parrish (Farnam Street): “You can now have a conversation with any of our 200+ podcast guests through AI trained on every transcript and book highlight in our archive. Ask them anything. Get personalized insights for your toughest problems. Members also get ad-free episodes, early access, and searchable transcripts.”
Pricing Model: Package Value, Not Time.
- Bad: “$200/hr consulting”
- Good: “$5k Supply Chain Rescue Kit: Save 120+ Hours Yearly”
Service Tiers:
- $MART DEBT AI: Free or pay-as-you-go.
- Hybrid Coaching: AI-driven workflow followed by email/phone support.
Client Types:
- Investor coaching
- Advisor coaching
- Industry consulting
Delivery:
- Webinars
- Upsell Strategy: Pair coaching with courses.
  - Example (Real Python): $99 for course only; $997 for course plus 3 private coaching sessions.

$MART DEBT Workshops
$MART DEBT Seminars
Core Courses:
- Micro-Course: An email drip campaign.
- $MART DEBT Blueprint: Flagship introductory course for investors.
- $MART DEBT Masterclass: Advanced course with group sessions and bonuses.
For Advisors:
- $MART DEBT Masterclass for Advisors
  - Price Point: $2,000+
  - Content: Advanced strategies (e.g., BML Advanced) and business-building resources.
  - Exclusive Features: Could unlock hidden functionality in the SDV software.
- $MART DEBT Advisor Certification
  - Optional test to verify advisor knowledge.
  - Inclusion in a paid referral network.
  - Potential to fast-track investors through compliance with dealers.
Specialized Courses:
- MAX Your 401(k) Strategy

Concept: Credit-Accelerated Investing products.
Offerings:
- BML (Buy More Low) products
- 50AI products
- Generic (off-the-shelf) and personalized strategies
$MART DEBT Wealth Innovation Contest
Model proprietary trading strategies to encourage community innovation. Host annual contests where winners get access to capital to implement their strategies and keep the majority of the profits. This encourages and rewards innovation. Could be combined with a mutual ownership structure (like Vanguard) where all members share in the project results.
- Could provide backtesting infrastructure, possibly partnered with a service like Nexustrade.io.

Synonyms: Directory, Network, Exchange, Hub, Portal.
Affiliated Vendors: Mortgages, HELOCs, credit cards, investment loans, personal loans.
Joint Ventures: Two-way referring partnerships.
Social Mission: At least 50% of referral profits will be donated to cancer research.

Positioned as a responsible implementation strategy during courses/training.
Best for >15-year savings periods.
Concept:
- Can’t pay down principal if 100% of cash flow is used for interest payments.
- Principal could be paid down later if initial cash flow usage was <50% or if cash flow inflates over time.
Modeling:
- Use software to model two distinct time horizons.
- Savings in Phase 2 (Term Loan) is greater than in Phase 1 (Interest Only).
- Phase 2 savings determines the max Term Loan, which sets the max Interest Only loan for Phase 1.

Review all ideas in “Buy More Low” Wealth Accelerator notes.
Key Concepts to Include:

“We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful.” — Warren Buffett, 1986 Berkshire Hathaway Annual Report
Data Points:
- Equity fund flows vs. market returns.
- Margin debt balances vs. market levels.