Ok, that's it. I can't hold this back any longer. I have to tell you that every problem that I hear can be solved by what is already in my possession... The Money Max Account You've probably already seen the video of me doing this but I simply: - put my expenses in - put my income in - put my debts in - and out comes how I can pay all the debts off fast I don't need a roadmap. Because I already have a GPS. I have to apologize to you, because I have been trying to give you a map, when - in reality - you need a GPS. Who reads maps any more anyway? LOL Anyway, let's get you set up with one of our coaches so that you can see what I am talking about: https://page.fo/velocitymax Have an amazing weekend! CJ

I have to put you on something. There is one account in the entire United States tax code that does all three of these things at the same time: Money goes in tax free. Money grows tax free. Money comes out tax free. No other account does this. Not a Roth IRA. Not a 401k. Not a brokerage account. Only one. It's called a Health Savings Account. An HSA. And the wealthy have been quietly using it for decades while the rest of America was being told to put their money in a 401k and pray. Here's why this matters for us in the Lab. Right now you are deploying your soldiers against the liability side. Eliminating debt with velocity banking. That is Phase One and it is critical. But while you attack the liability side, you can simultaneously be building the asset side. The HSA is one of the cleanest, lowest cost, highest leverage moves you can make right now. The 2026 limits are forty four hundred dollars for an individual. Eighty seven hundred fifty for a family. Plus another thousand if you are fifty five or older. And here is the move I learned at the Directed IRA Summit that changed how I think about this account forever. It's called the receipt pile. Most people pay their medical expenses straight out of their HSA the same year. However, let's think abundantly. What are your thoughts about paying medical bills out of pocket. Then keep the receipt. Then let the money inside the HSA stay invested and grow tax free. Then years later, when you want the money, you hand the IRS the old receipt and pull the cash out completely tax free. Same money. Moved differently. Velocity banking applied to taxes. Now the qualification. To contribute to an HSA you have to be on a high deductible health plan. The 2026 minimum deductible is seventeen hundred for individual coverage and thirty four hundred for family. If your plan does not qualify, you have to wait for open enrollment to switch. I am not a tax strategist. Before you make any moves, sit down with one. Not a tax preparer. A tax strategist. There is a difference and we will get into that in a future post.

This is the execution system I use with my private clients — now inside your classroom. Strike order. Cycle timing. Monthly action steps. Mistake prevention. All in one place. 👉 Head to the Classroom tab and click Debt Command Center. Drop a 🙏 below when you're in. Let's get free. — CJ

Guess who just joined our community? @Rick The MoneyMaxGuy. He is the one that will be sharing how the Money Max Account can take you from low cashflow and high debt to building wealth faster than you thought imaginable. Feel free to say hello and message him. - CJ Wallace

How many of you think you don't have enough money to attack your debt aggressively? I get this pushback all the time - "CJ, I'm barely making ends meet, where am I supposed to find extra money?" Here's the thing: you probably already have it, you just can't see it because no one ever taught you how to properly analyze your cash flow. Banks calculate something called surplus every time they approve your loans, but they'll never explain how you can weaponize that same surplus to destroy your debt years faster. Why would they? Your 30-year mortgage is a profit machine. The longer you take to pay it off, the more they make. But here's the math they don't want you doing at home. Take your monthly after-tax income - let's say $4,500. Subtract all your fixed expenses: mortgage, car payments, insurance, utilities, minimum payments. Maybe that's $3,200. You're left with $1,300 for variables like groceries, gas, entertainment. Most people stop here, but this is where the real work starts. Track every single dollar of that $1,300 for two months. Everything. That coffee, forgotten subscriptions, impulse buys. When you add it up, you might find you're only spending $1,100 on true necessities. That $200 difference? That's your surplus. That's the money banks see when they approve your loans, and that's the money you can redirect to obliterate debt using velocity banking principles. The average person with this scenario could turn that $200 surplus into $500+ of debt-crushing power when they understand how to leverage their cash flow properly. It's not about making more money - it's about seeing the money you already have. Full breakdown will be coming out soon... Grab everything you need to get out of debt fast → Velocity Banking Solution