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Don’t get mad, get even…

Phil Town’s first book, the #1 New York Times bestseller Rule #1, was a guide to stock trading for people who believe they lack the knowledge to trade. But because many people aren’t ready to go from mutual funds directly into trading without understanding investing—for the long term – he created Payback Time.

Too often, people see long-term investing as “mutual fund contributing” – otherwise known as “long-term hoping.” But the sad truth is that mutual fund investors are, to a stunning degree, pinning their hopes on an institution that is hopeless. It turns out that only 4% of fund managers consistently beat the S&P 500 index over the long term, which means that 96% of fund investors see a smaller return on their nest egg than a chimpanzee who simply buys stocks in the 500 biggest companies in America and watches what happens.

But it’s worse than that. The net effect of hitching your wagon to mutual funds is that over a lifetime they’ll fritter away as much 60% of your nest egg in fees. Once you understand how funds engineer this, you’ll rush to invest on your own.

Payback Time’s risk-free approach is called “stockpiling” and it’s how billionaires get rich in bad markets. It’s a set of rules for investing (not trading but investing) in the right businesses at the right time -- rules that will ensure you make the big money.

“Finally, an investment book that’s easy to understand and actually works in the real world. PAYBACK TIME will make a lot of people very, very rich!”
--T. Harv Eker, author of the New York Times #1 bestseller, SECRETS OF THE MILLIONAIRE MIND

“There's never been a better time then now to start over and finish rich! Recessions make millionaires and Phil Town's strategy for stockpiling wealth in the stock market is a fantastic vehicle for achieving that goal. You'll realize when you read this that it’s still possible to recapture your dreams of a richer, better future.”
--David Bach, #1 New York Times bestselling author of START OVER, FINISH RICH and THE AUTOMATIC MILLIONAIRE

“Masterful in its insights...brilliant in its simplicity and practicality! With uncompromising clarity, Phil Town exposes the truth about how poorly mutual fund managers perform, then proceeds to teach a very precise methodology for finding, evaluating, and investing in valuable businesses. PAYBACK TIME is a must read for everyone who's ready to take complete control of their financial freedom, and wants to do so with confidence, safety, and sound investment principles.”
--Tony Martinez, Founding Partner, Wealth Without Risk, LLC

“Town knows how to play by the rules in the ‘making big money’ game. Consider his book a gift to your financial library.”
--Robyn Spizman, New York Times bestselling author and founder of The Giftionary.com

“An incredible book that will teach you how to achieve financial independence faster than you ever thought possible.”
--Brian Tracy, President, Brian Tracy International

"Town has nailed it…PAYBACK TIME gives you the insight and mindset to maximize your investments.”
--Joe Sweeney, President of Corporate Financial Advisors and author of NETWORKING IS A CONTACT SPORT

"Payback Time: Making Money Is The Best Revenge!"