“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 millionaire 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 is 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.”

--Tony Martinez, Founding Partner, Wealth Without Risk, LLC

“An incredible book that will teach you how to achieve financial independence faster than you ever thought possible.”

--Brian Tracy, bestselling author of Eat That Frog! and president, Brian Tracy International

“Want to be happy with your financial situation? Learn to invest in a way that truly fulfills your inner passions. Phil’s wise approach to creating wealth is exactly what you need to invest with purpose. Follow it and you will experience a simple, principled approach to changing not only your finances, but your life.”
Jack Canfield, Co-author of The Success Principles, and Co-creator of the #1 New York Times bestselling Chicken Soup for the Soul® series