Financial freedom in 5 years or less
Designed for real estate agents living closing-to-closing — and anyone else seeking financial freedom in 5 years or less. Guided by Dave Ivery · NFEC Certified Financial Education Instructor (CFEI) · PFSA Member
Ownly adj/adv — The intentional act of fully owning, controlling, and directing every element of your finances from vision to execution with purpose and precision.
Replace Your Income in 5–10 Years
The patented Income Snowball Method — Free Strategy Session. Prefer to talk to a human? Book a free Meet & Greet with the coach team.
Your personalized financial dashboard is ready.
What would you like to work on today?
My Money
Accounts, net worth & balances
Cash Flow
Optimize your income system
Debt Freedom
Get your debt-free date
Retirement
Model your freedom date
College Planning
Before, during & after
Tax Strategies
Ex-IRS Agent secrets
Passive Income
E-Estate & income streams
Income Snowball
Replace income in 5–10 years
Markets & Invest
Live ticker + RE Bonds 8.5%
Calendar
Bills, pay dates & reminders
Report Card
Graded on your own goals
You closed last month. Now what?
If your income lives or dies with the next closing, this is the playbook. Four income layers stack on what you already do — your sphere, your listings, your investing — so the gap between deals stops feeling like a cliff. Built for agents. Works for anyone.
Compound a guaranteed lifetime income
Rescue stale listings ($0-down to buyer)
Monetize sphere with REACH or UFF
Income Snowball
Compound active income into a lifetime stream. The most reliable layer — the math is U.S. patented, validated, and used by 85,000+ families. Take any commission, route it into investment lots that pay back Mon–Fri, then reinvest the returns into bigger tiers. Snowballs into a lifetime income stream that doesn't depend on the next closing — or any closings at all. Every agent qualifies.
Active Mon–Fri returns on 18-month investment lots.
Reinvest returns to compound into bigger tiers. No exclusivity, no caps, no monthly fee.
$0-Down Listings & Buyers
PRMI exclusive · Solar equity covers down payment. List a stale listing as "$0 down to buyer" — the PRMI / REACH partnership uses solar equity as the down payment. Suddenly more buyers qualify. Your dead buyer leads can also use the same path. 620 minimum credit score.
List as "no money down" path — pull in buyers who couldn't qualify before.
Give your dead leads a credible path to ownership. Also works for rate buy-downs and seller concessions.
Help Your Sphere, Get Paid
Same playbook — monetize the homeowners you already know — but TWO different conversations to start. Pick the one your sphere is asking for, or run both in parallel.
REACH (Solar) — Variable Upside
Free Solar Value report → 5 paid streams when they engage. $199 to start. 90-day refund. $1,000 day-1 advance.
REACH Opportunity →UFF (Money Max) — Mortgage Payoff
Software that shaves 10–20 yrs off the average mortgage. UFF affiliates earn on every Money Max account. Better fit when your sphere isn't ready to talk solar but DOES want to be debt-free.
UFF Affiliate Program →Want full details on Money Max? Open Debt Freedom →
Get paid for the calls you'd be making anyway.
Between closings, your phone is your most valuable asset — but it's only paying you when a deal is on the line. Dreams Score Leads is a structured remote-sales path that lets you book appointments for proven offers, on commission, on your schedule. Plug into a system that already has the leads, the script, and the close. You bring the phone skills you already have. This is a job application — for you. Not a service we sell to your clients.
Get paid per booked qualified appointment + back-end on closes.
Set your own hours around your real estate calendar.
If you can prospect for listings, you can do this.
Independent contractor opportunity · Commission-based · Apply to qualify
Your own AI agent — trained on your listings, scripts, and business.
CustomGPT.ai grounds an AI in YOUR docs, listings, and FAQs — so it answers buyer questions, qualifies leads, and books showings while you're closing the next one. No hallucinations. No code. 7-day free trial, no credit card.
A realistic month — without a single closing.
Illustrative based on REACH published comp plan. Your numbers depend on activity, rank, and market.
🧰 While you are here — the rest of WealthPath helps you keep more of what you earn.
My Money
Net worth, accounts, income, bills — one screen.
Cash Flow
Smooth out the lumpy commission months.
Debt Freedom
Knock out high-interest debt in the right order.
Retirement
Solo 401k, SEP-IRA, the agent retirement playbook.
Tax Strategy ★ Agent
Reduce or eliminate: Income tax (90%+ savings) · Capital gains · Property tax. IRS Code 643(b).
Family Legacy
Build the docs that protect everything you build.
Retirement Planner
Model your path to financial freedom.
Your Information
Savings & Investment
Retirement Needs
Social Security
⚠️ Projections are hypothetical estimates based on your inputs and assumed rates. Actual results will vary. Not investment advice.
Want a More Comprehensive Retirement Plan?
Planswell builds a complete financial plan in just 3 minutes — covering your retirement timeline, wealth projection, debt consolidation, investment optimization, tax strategy, and insurance needs. Trusted by 830,000+ households. Completely free. Your plan connects directly to Dave Ivery for a personal review.
Your retirement projection
Fill in your details on the left and click Calculate.
College Savings Planner
Before, during & after — 529 plans, student loans, graduation strategies.
📅 Before College
529 plans grow tax-free. $200/mo at birth = $80K+ at 18. File FAFSA every Oct 1. Compare financial aid packages carefully.
🏫 During College
Subsidized loans first. Apply for scholarships every semester. Work-study preserves need-based aid. Stay under borrowing limits.
🎯 After Graduation
Income-driven repayment caps at 10% of income. PSLF forgives after 10 yrs public service. Income Snowball pays loans in 2-5 yrs.
Average student loan takes 20 years to repay. The Income Snowball cuts that to 2–5 years. Free Tardus strategy session →
Add Child
Child Information
College Details
Current Savings
College savings projection
Fill in the form on the left and click Calculate.
H\FC — Get Paid Real-World Experience in College
Home From College connects students with paid GIGs — short-term, flexible income opportunities with real companies. Social media management, brand ambassador roles, content creation, marketing, and more. Many pay $500–$700+/month while you build your resume. No degree required. Just hustle.
Real money — not just college credit.
Most GIGs are fully remote.
Real companies, real projects, real skills.
Set your own schedule around classes.
Dave Ivery has no affiliation with Home From College. Shared as a resource for students.
MonetizedNow — Pre-Built TikTok Accounts Ready to Earn
Building a monetized TikTok following from zero takes months. MonetizedNow sells pre-built TikTok accounts that already have 10,000+ followers and Creator Rewards enabled — so students can post their first video and start earning immediately. Trusted by 2,500+ creators with 24-hour delivery.
Already above Creator Rewards threshold.
Creator Rewards already enabled.
Account transferred within 24 hrs.
Income that fits around classes.
Your personalized financial roadmap
Add a New Goal
Take the 2-Minute Goal Quiz
Answer 20 questions and we'll build your personalized financial plan automatically.
Start Goal Quiz →Every dollar optimized — not a budget, a system
The 3-Channel System: Live (needs) · Free (wants) · Grow (wealth). Enter your numbers and see exactly where every dollar should go.
💰 Monthly Income
🏠 Fixed Expenses
🛒 Variable Spending
Your live cash flow
Updates as you type — 3-channel allocation below.
Enter your numbers to see how you stack up to the 50/30/20 target.
Eliminate your mortgage & all debt in 7–10 years
Your personal financial GPS.
The Money Max™ Account
The World's First Financial GPS
The Money Max Account acts as your personal financial GPS — analyzing your income, expenses, and all debts to calculate the exact day you will be debt-free. It doesn't change your budget — it optimizes how your money flows to slash the interest volume you pay to the bank. Recommended by Dave Ivery, CFEI.
David Ivery · Independent Agent · 941-277-9876 · david@ownly1nce.com
Interest Rate vs. Interest Volume
Your interest rate is fixed — but your interest volume changes every month. On a $300K mortgage at 7%, up to 60% of your payment is pure interest in early years — money that never touches principal. Money Max targets volume, not just rate.
Your Financial GPS
Just like a GPS recalculates when you take a wrong turn, the Money Max Account recalculates every time you make a purchase. Monitors 24/7, tells you exactly which debts to pay, how much, and when — and shows you the exact date you'll be debt-free.
No Lifestyle Changes Required
You don't need a raise, second job, or to stop eating out. The system identifies dollars already slipping through your budget. One client cut $9/day and saved $57,600 in interest — and eliminated 2 years of mortgage payments.
Mortgage Details
Other Debts (optional)
Acceleration
Your payoff plan
Enter your debt details on the left and click Calculate.
CuraDebt — Settle Your Debt for Less Than You Owe
When the debt is too large to pay off through cash flow alone, CuraDebt negotiates directly with your creditors to accept a lump-sum settlement — typically 40–60% less than the full balance. No upfront fees. Free consultation. Consumer debt, tax debt, and business debt all handled by IAPDA-accredited professionals.
Negotiate what you owe.
~20% only after success.
All debt types covered.
No obligation review.
Making Good Choices — Clean Your Credit
Know your rights. Defend your data. Clean your credit. Before you can Velocity Bank, qualify for a HELOC, or buy investment real estate, your credit score is the foundation. Making Good Choices helps you understand your consumer rights, dispute inaccurate items, and build the credit profile you need to execute the full 5-year plan.
Results vary by individual credit situation. Not a credit repair organization under federal law. Educational service only.
CreditStrong
Build credit while building savings. +331 points in 18 months — real member result. All 3 Bureaus · No Hard Credit Check.
CreditStrong is a credit builder loan from Austin Capital Bank (FDIC insured) designed for people with no credit or damaged credit. No hard credit check to apply. Make monthly payments, build positive payment history reported to all three major bureaus, and get your principal back when the account is closed.
"You helped me buy a house. I had a 394 when I started. 18 months later I have a 725!" — Real CreditStrong member
The Income Snowball + E-Estate + real estate — every stream that pays while you sleep
The Income Snowball.
Replace Your Paycheck in 5–10 Years.
🏛️ Why "patented" matters
A U.S. patent means the math has been audited, validated, and legally protected. This isn't theory or a sales pitch — it's a proven, reproducible system the U.S. government recognized as novel and effective. 85,000+ families using it. $0 in failed plans.
The only patented Income Snowball system that helps everyday people eliminate debt, build passive income streams, and achieve financial freedom — without needing to be wealthy to start.
Phase 1 — Debt Elimination
Use your existing cash flow to systematically eliminate all debt — including your mortgage — faster than you thought possible. Average clients pay off $85K+ in 21 months.
Phase 2 — Cash Flow Building
Redirect freed-up debt payments into income-producing assets. Each freed dollar becomes a snowball that grows larger with every payment eliminated.
Phase 3 — Income Replacement
Passive income streams grow until they fully replace your W-2 income. At this point you work because you want to — not because you have to.
"Creating Your Income Snowball"
The passive investing cheat code for mastering wealth — by Tanisha Souza. Learn how to create hundreds of dollars in monthly passive income in 45 days, buy investments at a 90% discount, and build a portfolio of 10 cash-flow rental properties in 3 years without using your existing savings.
ℹ️ Note: Dave Ivery is a Licensed Digital Real Estate Agent with E-Estate. E-Estate investments involve risk including possible loss of principal. Income projections shown are educational estimates, not guarantees.
E-Estate Active Income Platform
E-Estate lets you earn active income Mon–Fri through structured investment lots that pay returns for 18 months. Start with any amount, reinvest profits to compound into larger tiers, and build a predictable income stream — no landlord headaches, no stock market volatility.
Dave's trusted real estate network
Dave Ivery spent 7 years with Hunt Real Estate and Carrington Real Estate building a network for buyers and investors. Whether you're buying your first home, acquiring investment properties, or optimizing an existing portfolio — these are his trusted resources.
Zero Down Home Buying
Stop renting and start owning — with no down payment required. Members can access PRMI's zero-down mortgage programs designed to make homeownership achievable.
Via PRMI · Subject to qualification
Home Solar Value Report
Find out what solar is worth on your specific home. Free report shows estimated savings, home value increase, and payback period.
Also: Zero Down Solar
Investment Loans
Traditional and investment property loan options for buyers and investors. Dave's preferred lender network for portfolio building.
Via Truss Financial Group · Lender partner
Find Investment Properties
Browse and acquire investment properties through Dave's curated real estate network. Vetted listings for serious investors.
Via Dave's curated network
Daydreams for Life — 100% Profit Digital Income
A fully done-for-you digital business system that generates automated online income — no tech skills, no big following, no product of your own required. Thousands of busy parents, burned-out professionals, and 9-5 workers are using this proven blueprint. Includes the Freedom Formula Blueprint PDF.
Keep every dollar — no commissions split.
Business built and automated for you.
Step-by-step PDF guide included.
Runs while you sleep or travel.
Results vary. Earnings are not guaranteed. Please review the full earnings disclaimer on the Daydreams for Life website.
Market snapshot · Investment education · Partners
📰 Market Snapshot
LIVELive data via Yahoo Finance & CoinGecko · Updates every 60 seconds · Prices may be delayed 15 min · Not investment advice
📚 Investment Education — Click Any Topic
The Rule of 72 — How Long to Double Your Money?
72 ÷ Return Rate = Years to Double
The fastest mental math trick in investing. Divide 72 by your expected annual return and you get the approximate number of years it takes to double your money — without a calculator.
💡 The flip side: The Rule of 72 also works for debt. A credit card at 24% APR doubles what you owe in just 3 years if you make no payments. This is why eliminating high-interest debt is always the highest guaranteed return available to you.
🧮 Rule of 72 Calculator
Exact formula: A = P(1+r)^t · Rule of 72 is an approximation.
Earn 8.5% with Real Estate Bonds
Compound Real Estate Bonds lets you earn a fixed 8.5% return backed by real estate — featured on Forbes. Start with any amount, earn monthly.
Small Business & Solo 401(k)
Self-employed or own a small business? ShareBuilder 401k makes it easy to set up a Solo or small business 401(k) — low fees, simple setup, powerful tax advantages.
Protect Wealth with Priority Gold
Gold and silver have preserved purchasing power for thousands of years. Priority Gold helps you diversify into physical precious metals or a Gold IRA — with a free Wealth Preservation Guide.
Bills, paydays, and reminders — all in one place
—
Upcoming Payments & Reminders
Progress on your terms — celebrating every goal you set for yourself
💡 Your goals, your grades. Not everyone wants to be rich — and that's perfectly fine. Your report card is graded entirely on the goals you set, not on some external standard. An A+ means you're crushing what matters to you.
Set your goals to get graded. Use the planners to set financial goals, then come back here for your report card.
Pillar Grades
Your Freedom Score Calculator
The number that tells you exactly where you stand — and what's blocking your 5-year freedom date. Calculate yours now.
Build Your Family Legacy Plan
Will + trust + beneficiaries + life insurance + college funding. Protect what you've built. Standalone planner with its own deep tools.
All accounts, balances, income & bills — updates your entire plan automatically
Auto-Sync Your Accounts — $14.99/mo
Connect 12,000+ banks, cards, and investments via Plaid. Real-time balances, auto-categorized transactions, bank-level security.
Income Sources
Add your paychecks, side hustles, and recurring income.
Bills & Subscriptions
Track every recurring expense — auto-pay status, due dates, categories.
Let the AI analyze your complete financial picture
Add your accounts above and I will analyze your complete financial picture — highlighting opportunities to reduce interest, grow savings, and accelerate your goals.
Bonus perks that protect your cash flow
Member-only extras that put money back in your GROW channel. (Not the main offer — but valuable when activated.)
Neu Card — Build Credit Without the Gotchas
No credit history required. No co-signer needed. Student and internationally friendly. Both cards report to all three major bureaus and include unlimited 3% cash back on airfare. Choose the structure that works for you.
Neu Card 1 — 0% APR Always
0% interest rate permanently. Flat $7/month, build credit without ever paying interest.
Limit
Bureaus
Neu Card 2 — No Annual Fee
No annual fee ever. Variable APR 26.99-29.99%. Best for those who pay in full.
Limit
Bureaus
BillCutterz — We Negotiate Your Bills So You Don't Have To
BillCutterz negotiates lower rates on your existing monthly bills — cable, internet, cell phone, satellite radio, home security, and more — without you changing providers. You split the savings 50/50. If they don't save you money, the service is completely free.
Negotiates with your providers.
Same provider, lower rate.
No savings — no charge.
Avg $300+/yr redirected.
"They saved me $420 per year on my cell phone bill with the same services." — Carol, San Jose CA
WealthPath Discount Travel Portal
As a WealthPath member you have exclusive access to our private discount travel portal — hotels, flights, car rentals, cruises, and vacation packages at members-only rates. Protecting your cash flow means spending less on the things you love, not giving them up.
Healthcare Options That Protect Your Cash Flow
Traditional health insurance is one of the biggest monthly expenses American families carry. These vetted alternatives can dramatically reduce what you spend on healthcare without sacrificing quality.
⚡ 10X Health Network
Science-backed genetic testing, precision supplements, and performance optimization built around your DNA. 160,000+ members. Co-founded by Gary Brecka.
💋 Go MD USA — Telehealth
Unlimited 24/7 virtual urgent care and prescription coverage at $0 copays. Licensed providers around the clock. 50% off your first order.
🏚 Ownly Health Share Plan
A community-based alternative through David Allen Capital. Members share each other's medical costs — typically 50-70% less than traditional premiums. No network restrictions.
📋 Ownly Health — Telehealth Intake
Quick, secure telehealth intake forms under the Ownly Health brand. Get connected with licensed providers fast — no waiting rooms, no referrals.
⚠ These are member resources, not medical advice. Health sharing plans are not insurance. Always consult a qualified healthcare provider for medical decisions. Results vary.
Reduce or eliminate income, capital gains, and property taxes — legally
We help you reduce or eliminate three taxes most Americans accept as inevitable.
Income Tax
Up to 90%+ federal income tax savings via the Spendthrift Trust strategy. No interest income tax for passive earners.
Capital Gains Tax
Eliminate capital gains on the sale of stocks, real estate, businesses, and crypto using IRS Code 643(b).
Property Tax
No rental income tax for real estate investors. Property tax protest, homestead exemption optimization, 1031 strategies built in.
All strategies are legal, IRS-compliant, and used by the ultra-wealthy. We translate them for real estate agents, business owners, investors, and 1099 earners. Most clients save 5–6 figures annually.
🏛️ Keep More of Every Dollar You Earn
The U.S. tax code is over 70,000 pages long. Below: general tax education topics every taxpayer should understand. This is education, not tax advice.
Entity Structure is Everything
An LLC taxed as an S-Corp at $100K+ profit can save $5,000–$15,000/year in self-employment tax alone — just by splitting income between salary and distributions.
The Home Office Strategy
If you use a dedicated space exclusively for business, deduct a percentage of rent/mortgage, utilities, internet, insurance. S-Corp owners can be reimbursed tax-free through an accountable plan.
Retire Rich AND Cut Tax Bill
A Solo 401(k) lets self-employed owners contribute up to $70,000/year tax-free (2025). At 30% tax rate, maxing it saves $21,000.
Vehicle & Mileage Deductions
2025 standard mileage rate is 70¢/mile. 15,000 miles = $10,500 deduction. Or buy an SUV over 6,000 lbs GVWR and use Section 179 to deduct 100% in year one.
Bonus Depreciation — 100% in 2025
OBBBA (2025) restored 100% bonus depreciation. A $50,000 equipment purchase could save $15,000 in taxes immediately.
QBI Deduction
Sole proprietors, LLCs, S-Corps may deduct up to 23% of qualified business income. On $150K income, that's a $34,500 deduction.
Health Insurance 100% Deductible
Self-employed health insurance premiums for you, spouse, dependents are 100% deductible as an above-the-line deduction.
Accountable Plans — Tax-Free Money Out
Business owners reimburse themselves tax-free for legit expenses. Business deducts it; you don't report as income.
💡 Quick Tax Savings Estimator
Tax Strategy Questions
Click any question for a detailed answer.
Eliminate Capital Gains — The Spendthrift Trust
A strategy used by the ultra-wealthy and now available to real estate agents, investors, and 1099 earners. The Spendthrift Trust (IRS Tax Code 643b) doesn't dodge taxes — it uses a legal structure that fundamentally changes how your income gets categorized.
if you are passive
if you are a real estate investor
on qualified income
Best fit: Real estate agents, investors, business owners, 1099 earners with $100K+ income. Saves 5–6 figures annually for most clients.
⚠️ Trust strategies involve complex tax law. Consult a qualified CPA or tax attorney before implementing. This section provides general tax education only.
All your calculators in one place — debt, mortgage, retirement, savings, auto, and more
🔓 Debt Payoff Calculator
Get your exact debt-free date and total interest saved.
Your payoff plan
Fill in the inputs and click Calculate.
Want a personalized strategy based on your results? Book a free session with the coach team — a CFEI who can build a step-by-step action plan.
Your complete personalized financial report
Your plan will build here
As you use the retirement planner and college planner, your personalized report will populate automatically.
It's Ownly Money · AI Financial Planning Platform · itsownlymoney.com · Personal Financial Plan
The OWNLY ONCE Collection
Own Nothing · Control Everything · Make Work Optional
OWNLY ONCE — The 5-Year Wealth Plan
"Most people spend 40 years working for money. Learn how to work 5 — then make work optional."
The 7 Levers of Wealth
- The Diagnostic
- Freedom Number
- 3-Channel Cash Flow
- Velocity Banking
- Income Snowball
- Seven Streams
- 60-Month Execution
For: Anyone tired of paycheck-to-paycheck who is ready to think structurally about building wealth.
A to Z's of Fixing Your Own Credit
"The credit system isn't broken. Most people just don't know how it actually works."
What You'll Learn
- Read your report like a banker
- Dispute the right way (templates inside)
- The 30% utilization rule explained
- Build credit from zero in 90 days
- Defend your data from collectors
For: Anyone with a score below 740 who wants to fix it without paying a credit-repair company $1,200+.
Build. Fund. Grow.
"Stop guaranteeing every loan with your house. Build a business that funds itself."
The Framework
- Build · Business credit separate from personal
- Fund · $50K–$300K in 0% APR funding
- Grow · Scale without personal guarantees
For: Side-hustlers, LLC owners, and entrepreneurs ready to stop personally signing for every dollar of growth capital.
OWNLY ONCE Workbook
"The book is the theory. The workbook is where the wealth gets built."
9 Worksheets Inside
- Financial Diagnostic (20 Qs)
- Freedom Number Calc
- 3-Channel Cash Flow
- Debt Inventory
- Velocity Banking Tracker
- Seven Streams Portfolio
- 60-Month Execution Plan
- 90-Day Action Sprint
- Quarterly Reflection
Pairs with: OWNLY ONCE book. Free for all WealthPath members.
Three Ways Up
"There are only three ways money grows. This book maps all three so you can pick yours."
The 3 Paths
- Path 1 · Maximize earned income
- Path 2 · Build investment income
- Path 3 · Create business income
For: Anyone trying to figure out which lever to pull first. Free for all WealthPath members.
David James Ivery — Author Page
See all 6 published works on Amazon. Follow for new releases.
Author · Coach · Speaker · Certified Financial Education Instructor
Dave Ivery
US Air Force. Author of 2 books. Interviewed 50+ times. 17 years helping people access capital, eliminate debt, and build lasting wealth — at Dodger Stadium, Disney World, and in living rooms across America.
Dave's proprietary methodology — 100% success rate
Dave developed a proprietary methodology called WealthWorks360 — a 100% success rate improving cash flow and reducing expenses while connecting clients to the best financial services available. The strategy integrates business financing, credit optimization, tax reduction, insurance, and passive income into one cohesive wealth-building system. It's the foundation behind everything in this platform.
Lending, expense mgmt, benefits.
Cash flow, credit, investments.
Reduction, credits, elimination.
Protection & estate planning.
Ready to build your plan?
Book a free 1-on-1 session with Dave. He'll review your numbers, show you your debt-free date, and map out your 5-year wealth plan.
David Ivery · Independent Agent · 941-277-9876 · david@ownly1nce.com