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What is SmartMoneyGPS™?
Smart Money GPS empowers families, business owners and real estate investors take control of their money, accelerate equity growth, and strengthen their investment strategy. We offer expert guidance and real-time financial tools. Through the Money Max Account, we help you pay off debt faster, save on interest, increase cash flow, and make smarter money decisions. We also provide insurance advisement in ID, WA, OR, with education available nationwide.
Is this just another debt elimination program?
Do I need to refinance or change banks?
Can't I just do this on my own?
How much does the MMA cost?
No.
This is not refinancing.
You keep your loan exactly as it is.
Refinancing restarts the interest clock and costs thousands.
The MMA shortens your payoff timeline without touching your loan terms. And the MMA works with your existing accounts —so no switching banks.
Pricing varies because every client’s situation is unique. Your cost is based on:
Your total debt
Your interest volume
The savings the system can generate for you
Your projected payoff timeline
The cost is always a fraction of what you save, often tens or hundreds of thousands of dollars in interest.
And it’s a one-time purchase with lifetime access, including:
Unlimited updates
Customer service
Agent support
90 days of free coaching from the MMA team
No. And that distinction matters.
Most debt programs rely on:
❌ Consolidation
❌ Refinancing
❌ Biweekly payments
❌ Budget restrictions
❌ Snowball/avalanche strategies
The MMA is different. It chooses between all the above and more while it finds the fastest route. It uses advanced banking algorithms and real-time recalculations — the same strategies banks use — to accelerate your payoff without requiring you to:
Spend less
Earn more
Refinance
Give up flexibility
It’s math, not magic — and the results are measurable.
You could try — but realistically, very few people succeed without software.
Why?
1️⃣ Your income and expenses change constantly.
2️⃣ Your financial decisions have long-term impacts you can’t calculate manually.
3️⃣ Consistency over years is extremely difficult without help.
The MMA works like a GPS:
It adjusts instantly when life changes
It predicts outcomes
It shows the fastest route
It updates every time you spend money
Doing this by hand would be a part-time job.
What if I live outside of Idaho, Washington or Oregon?
Our licensed insurance services currently cover Idaho, Washington, and Oregon, but we provide financial education, debt analysis, and guidance nationwide.
If you live outside those states, we can still help you explore how the MMA can work for your situation and connect you with trusted professionals for your insurance needs.
What if my interest rate is already low?
Interest rate is not the problem.
Interest volume is.
A 3% mortgage can still cost you hundreds of thousands in interest because banks front-load the first 7 years.
The MMA helps you flip that script by:
Reducing the balance faster
Lowering the volume of interest you’re charged
Keeping the bank from getting your money first
Clients often cut 10–20 years off their mortgage — even with low rates.
Why haven't I heard of this before?
Because most schools don’t teach financial strategy — and banks aren’t about to show you how to pay them less interest.
The Money Max Account uses the same principles banks use to make money, but it turns them around to work for you instead of against you.
At Smart Money GPS, we believe that knowledge should be available to everyone — not just those with financial degrees.
How is Smart Money GPS connected to the Money Max Account?
Smart Money GPS partners with United Financial Freedom, the creators of the award-winning Money Max Account™ (MMA) — a financial technology platform that calculates the fastest possible way to pay off all types of debt.
Here’s the simplest way to understand the relationship:
The MMA is the technology — your financial GPS.
Smart Money GPS is the guide — helping you use it correctly, stay confident, and protect your overall financial plan along the way.
We don’t replace the MMA. We support and enhance your experience using it.
What is the Money Max Account (MMA)?
The MMA is a proven, algorithm-driven financial system that analyzes your income, expenses, and debts to chart the fastest path to financial freedom.
You simply connect your accounts, and the system tells you:
Which debt to pay
When to pay it
How much to pay
And exactly how much time and interest you’ll save
It’s like having a financial GPS that recalculates every day based on your real life.
How much time does the program require?
Very little — but consistency matters. (Your initial setup will take more time.)
Most successful clients spend either:
10–15 minutes once a week, or
30–40 minutes once a month
The MMA does all the heavy calculations. You simply follow the guidance it gives you. Clients who engage regularly experience the best results.
Who is this program designed for?
We work with serious, forward-thinking individuals who are committed to changing their financial future.
This program is for people who:
Want to pay off debt faster
Value structure, strategy, and guidance
Are tired of wasting money on interest
Want more cash flow and less financial stress
Are willing to spend a few minutes each week using the system
Desire long-term stability for themselves or their business
It is not designed for:
People who won’t follow the process
Anyone looking for a “quick fix”
Individuals who aren’t truly ready to take control of their finances
This tool will transform your finances — but only if you engage with it.
What kind of support does Smart Money GPS provide?
Smart Money GPS offers hands-on guidance, education, and strategy to make sure you don’t just have the tool — you know how to use it to its fullest potential.
United Financial Freedom provides the software (the Money Max Account™).
We provide the human side — onboarding, direction, answers to your questions, and additional financial strategies including insurance-based protection.
With Smart Money GPS, you’re never left to figure things out alone. You get a proven system plus support from real people who care about your long-term success.
Is the Money Max Account too good to be true?
No — the results are real, measurable, and guaranteed.
The MMA has helped eliminate billions of dollars in debt across tens of thousands of clients.
The math proves it long before you feel it emotionally.
Why haven’t I heard of the MMA before?
Because schools don’t teach money.
Banks don’t teach money.
And most people never learn high-level financial strategies.
The MMA is built using the same banking principles that have worked against consumers for decades.
It simply puts those strategies to work for you instead.