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If you’re currently living paycheck to paycheck, burdened by debt and have no plans for the future, then you need help. Get your spending immediately under control, eliminate ALL debt in 9 years or less (including your mortgage), and double, even triple your retirement – and do all this with the money you’re already making! Using the risk-free, top-notch planning tools, of MoneyMastery® and one-on-one expert advice you can build wealth on ANY income.


We endorse the MoneyMastery® Personal Financial System because of its holistic approach to increasing wealth. Your membership in the program will teach you how to efficiently manage your cash flow, and provide you the tools to support your success.

Learning to control spending and eliminate debt is the only safe way to protect your credit and your financial future. The Credit Life Improvement Program can put you on the fast track to your credit related goals, but learning to manage your money is the only way for you to take back control and plan for the future… the only way to truly live a Credilife®.


Peter R. Jeppson                                                                                             

Powerfully impacted at age 19 by a serious car accident, Peter Jeppson knows first-hand the crushing burden of the financial problems facing most people today. After Peter was terribly burned in the accident, he incurred thousands of dollars in medical debt as he struggled to recover.   Using the principles he now teaches through the Money Mastery® program, Peter was able to get out from underneath that financial burden in just five years. Today, he is a nationally recognized motivational speaker, author and financial mentor. He co-founded Time & Money, LLC, a Utah-based service company specializing in principle-based money management, and is the co-owner and co-author of the Money Mastery® personal financial management system, a financial literacy and coaching program designed to help individuals and families get in total control of their finances.

Alan M. Williams

Few experts today understand how to solve the financial problems facing most individuals like Alan Williams, a nationally published author, speaker, and personal financial mentor with a 38-year background in corporate management and finance. In 1994, he co-founded Time & Money, LLC, a Utah-based service company specializing in principle-based money management, and is a principle author and developer of the Money Mastery® personal financial management system, a financial literacy and coaching program that helps individuals, families and corporations get in total control of their finances. Today, along with his coaching and speaking duties, he serves as CEO of Time & Money, LLC.

Yes. Your membership includes all the tools needed to effectively track your spending and is more than just writing down what you spent. Using the Money Mastery system, you can create a spending plan. Then use your smartphone to track your expenses at the point of purchase and see exactly what you have left to spend in each category. This is what helps you stay in control while not making you feel deprived.

Yes, with our Spending Tracker App on both the Android and iPhone.

You should expect to get out of debt in about a third of the time from where you are now. To do this you must find the extra money. By systematically prioritizing your spending and applying the Money Mastery® Principles, it can all happen to you.

Yes, but not in the common way of having someone else negotiate for you reductions in the interest rate being charged on the debts. Rather, Money Mastery teaches empowerment principles, with certain tools and techniques, that help you power down your debts using money you already make, thus saving thousands of dollars.

It gives you the Select membership which gives you all the Money Mastery system features and benefits.

No, the Money Mastery system was created as a coaching and literacy program that teaches you how to spend money, pay off debt, pay the right amount of taxes, and save for your retirement based on foundational principals rather than specific financial products or services.

Time & Money, LLC does not deal in securities trading or give any buy/sell investment advice. We do not sell third party products or services, but rather educate our clients on how to apply principle-based money management to each area of their financial life.

The Money Mastery concept began as the brainchild of Peter Jeppson and Alan Williams in 1993. Having spent 30-plus years in the financial services industry, Williams and Jeppson had seen first-hand the danger of selling people investment and insurance products in an attempt to solve financial problems. Their vision was to create a personal financial management system that would empower individuals to take charge of their own finances, using foundational principles rather than financial products. In 1994, Williams and Jeppson authored the Money Mastery® program based on 10 time-proven principles. The program’s systematic approach to money management and wealth maximization was the result of both Jeppson’s personal experience in living these principles as he quickly eliminated a staggering load of medical debt incurred after he was burned in a car accident in 1965, and Williams’ extensive experience in fiscally responsible corporate financial management.

You stop living paycheck to paycheck when you prioritize your spending by using the Spending Plan and the Debt Plan, and tracking both. Also, by consistently using the Principles and tools provided in this membership program, you will learn how to spend your money so you can have the things you want while staying out of debt.

You find it by following the program – creating a historical picture of how you spent money in the past and then building a balanced Spending Plan, inclusive of all debts. This process, and others in the program, will undoubtedly help you find money you have been using inefficiently that you didn’t even know you had. Your case is unique, so the amount could be $1,000 or it could be $50, but if you apply the Money Mastery System, its Principles and tools, you will most assuredly find that money.

As you get started, your Money Mastery coach will spend a minimum of 60-90 minutes assessing your particular financial situation based upon the 10 Money Mastery principles. The way that you learn will be evaluated along with your specific needs, goals, and most pressing financial problems. Your coach will then set up a specific coaching schedule with you designed to fit your lifestyle. If you are married, Time & Money recommends that you receive coaching with your partner. The Money Mastery program is designed to address highly charged emotional issues surrounding money and cannot properly help clients apply the program unless both partners are on board and fully committed.

By paying only what you owe and only when you owe it, the program will help you learn tax- saving options and to keep in your own pocket the tax savings you qualify for.

The Money Mastery® program is based on one key idea overlooked by all other financial programs, mentors, and experts: To be successful you must understand how your spending, borrowing, retirement savings, and tax paying ALL affect each other, how they are all linked and must all fit together, like the pieces of a puzzle. Many experienced professionals have attempted to help people put this puzzle together but unfortunately, most sources do not include everything necessary to help you. The way to put that puzzle together so it makes sense is by applying the Money Mastery Principles.

You are enrolled as long as you want. You can join month-to month or annually, until you cancel your membership.

Absolutely! By applying the principles tools and techniques in the program, you will have money left over at the end of the month.

Yes it will work for you, and especially you. By following the techniques on how to plan, track, and control spending available in this program you will build a Spending Plan that works on your average monthly gross income.

While the Money Mastery Personal Financial Management System includes a powerful debt elimination module, the program goes far beyond simple debt reduction and elimination techniques. The Money Mastery system is a time-proven personal financial literacy and coaching program that allows people to get in immediate control of not only their debt, but every other area of their financial life, including spending, taxation, and savings. It is the only comprehensive financial management system available today that addresses a person’s entire financial situation and provides a system for managing it holistically.

Yes. You can call 801-292-1099.

Yes, after 30 days you can cancel by going to My Account.

Yes. Just click on My Coach and enter a question or circumstance and it will be answered promptly. The answer may also be a written response, but if the question warrants, you will be called directly.

There is no risk. Because it is principle-based, your financial life becomes more efficient so that you get more from the money you already make, without having to invest in additional financial products and services. It is the “how to” of building wealth from your existing income. If you follow the system you can create wealth on any income and have well beyond the cost of the membership.

Principle 1: Spending is Emotional.

This means that money is more about emotions than it is about math. If spending were simply a mathematical problem more individuals and families would not be consuming more than they make and would be far wealthier than they are. If you do not decide to systematically control your money, you will emotionally consume your future and the opportunities it can offer. Spending money almost always has a powerful emotional impact on our lives, whether we realize it or not.

Principle 2: When You Track Your Money, You Control It.

Corporations are required to track spending and assets, yet individuals are reluctant to take the time to track and control their personal spending. People who do track find they are wasting at least $312 every month that they could be applying to savings or using to pay down debt. Planning how to spend, and spending according to a plan is the key to becoming wealthy. To any responsible person, this should be the only option.

Principle 3: Savings Is Actually Delayed Spending.

Wealth and security depend on how you spend, not on how you save or on how much money you make. There is actually no such thing as ͞savings͟ because every dollar is to be spent — what matters most is how you spend it. This principle points out that you have to ͞spend͟ money each month for your future by paying yourself first. People who pay themselves first add at least an additional $302, 000 to their retirement savings, while many find much, much more.

Principle 4: Power Down Your Debt and Power Up Your Fortune.

Most people don’t know the difference between ͞good͟ and ͞bad͟ debt. This principle, which is powerful and dramatic, teaches the difference between good and bad debt and how to get out of bad debt as quickly as possible. By applying this principle, it is mathematically feasible for anyone, no matter how bad their debt-load is, to get completely out of debt in nine years or less, including a 30-year mortgage.

Principle 5: Know the Rules.

This principle teaches that you do not need to know everything financial but you do need to know where to go for information that is important for you — that means reading and understanding all contracts you enter into and relying on financial mentors and professionals as needed. In today’s world of easy credit many people feel they are entitled to play very complex financial games, like owning a credit card, without paying the price to learn the rules of that game.

Principle 6: The Rules Are Always Changing.

Recently the IRS implemented 1,200 changes in one year to the U.S. tax law. This illustrates that things are always changing financially and that you must be able to cope with those changes. You must be capable of moving with change, always open to learning new information that can be vital to your future success. Otherwise, you will face consequences that could force you to work many years beyond the point that you want to. To know this principle is to shave years from your working life!

Principle 7: Always Look at the Big Picture.

In the absence of long-term goals you will make financial decisions you cannot afford. With specific goals clearly in mind, you will make spending decisions today that will not only bring happiness to you now, but that will build a happy life for the future. We cannot become wealthy without first ͞Master Planning͟ our lives by looking at where we are now, where we want to go in the future, and figuring out a plan to get there.

Principle 8: Organizing Your Finances Enables the Creation of Additional Wealth.

Disorganization breeds procrastination which leads to lost opportunities. Organizing your finances means knowing where important documents are, having an estate plan for your loved ones, and knowing how to protect your assets from over-taxation, litigation, and theft.

Principle 9: Understanding Taxation Enables You to Retain More Money.

The easiest way to earn more money is to keep more of the money you already make! That means giving the IRS what it expects only when it is due and no more. Tax refunds are mythical benefits that come at a great cost to American families. Don’t be fooled by this myth and countless others. Knowing the real rules about taxation will free and empower you.

Principle 10: Money in Motion Creates More Money

This principle is a combination of applying each of the other nine. This principle is where wealth is truly built and accelerated (but only when the other nine principles are clearly understood and applied). If there is one single strategy that builds wealth and financial security the fastest, it is the understanding of the ͞leverage͟ factor of Principle 10 and how to get your money to do more than one thing at a time.

You get full membership in the Money Mastery personal financial management program. This includes all the software components, all the educational components, and online coaching, as needed. It automatically renews unless cancelled by you.

It means having enough passive income (money you don’t have to go to work every day to earn) so that when you decide every day whether you want to work or not. In other words, you don’t have to clock in anywhere in order to have enough money to pay your bills and have the lifestyle to your liking.

You have direct access via the My Coach feature in the program to a coach who will personally and promptly answer any question you have or address any concern.

Credilife® is an established, ever evolving, compliant, accurate, and successful Credit Life Improvement Program that thrives on customer service, research, and strategy. The result? A blueprint for success with great purpose. A credit services organization need not subscribe to Credilife® to be credible, but for those that do, rest assured, they are working to raise the bar for the industry as a whole when it comes to helping consumers improve their credit, get out of debt, and carve a new path toward financial independence. Through a combination of coaching initiatives, budgeting and credit building strategies, complemented by a factual technical credit disputing process, Credilife® is much more than a traditional credit repair program. See the Credit Builder Blueprint® as an example of the additional effort that is placed into ensuring each consumer’s successful transition from credit challenged to a viable, healthy credit life! We believe in promoting strong affiliate awareness because a healthy referral network made up of select industry professionals is the best way to find consumers that are motivated and deserving of such an opportunity… goal driven consumers, who are motivated and prepared to embark on a path that will lead to a future full of opportunity… diamonds in the ruff! Ready to join us, or want to know more? Connect with one of our affiliated businesses to subscribe to a new way of life… a Credilife®.

The program is part of the Utah-based coaching and financial literacy company Time & Money, LLC, founded by Peter Jeppson and Alan Williams in 1994.

Without knowing your particular unique circumstances, it is hard to tell. However, in our experience over 20 years, a typical client finds $300 each month that they didn’t know they had, can get out of ALL debt in about one-third the time (usually around 9 to 10 years, including a mortgage), can double, even triple their retirement income, and never argue about money with their partner again.

One-on-one personal coaching services
Online interactive group coaching
Powerful financial management forecasting software
Books, how-to manuals, audio and video instruction, and other financial management materials.
Online planning and expense tracking tools
Smartphone expense tracking apps
Tools for creating spending, debt, and retirement savings plans
Curriculum for high school and adult financial literacy education
Audio CD learning programs
Educational DVDs
Estate planning and settlement guides
Small business and real estate investing resources

Coaching sessions usually take from between 45 to 90 minutes. Assignments and specific tasks to be completed may take further time throughout the week or month to complete. Time & Money recommends beginning coaching when you can devote uninterrupted time to getting your financial life in order. In addition, Money Mastery coaching requires a minimum of three months in the program. It takes at least this much time to set up a working relationship with your coach and to follow the Money Mastery system for getting spending and borrowing under control and maximizing savings. Most coaching clients receive counsel for at least nine months. Coach/Client Agreements last for one year, when contracts can be renewed if needed.

Advisors and planners are paid to give people advice about how to invest in the stock market, where to buy and sell their investments, how to increase their portfolio and how to protect their estate from taxes. A personal financial coach, on the other hand, does so much more. A Money Mastery coach teaches you how to be more efficient with the money you already make, showing you how to spend, save, and pay down debt. A Money Mastery mentor will help you establish your own financial “Master Plan”, while a financial advisor usually creates a dependent relationship that forces you to rely on them for information, rather than teaching you correct principles that you can then use to govern your own financial life. A Money Mastery coach encourages you to be accountable and responsible for your own financial decision-making, while a financial advisor expects to be paid to take responsibility for what happens to your money. The goal of a financial coach is to develop an educated client, one who can see what his or her values are, while an advisor usually imposes their own set of values and will often recommend spending money on insurance products, investment services, estate planning, and so forth. While financial advisors are important in terms of helping you manage retirement funds and investment portfolios, they are usually not able to educate you on how to manage all areas of your finances like a Money Mastery coach will, so that you are in total control of your own finances.

Because it is an online system, it will work on any computer platform, and on any browser.

The whole program is about controlling spending, eliminating debt, minimizing taxes and maximizing savings. When you do all these things together, at the same time, your score will automatically improve over time. Now if there are errors on your credit reports, these will need to be corrected directly with the credit reporting agencies.


Alan Williams of Time & Money, LLC on KSL TV

Pete’s Story www.MoneyMastery.com

Ten Principles of Money Mastery

The Money Mastery “Money Huddle”

The Value of Money Mastery


A balance sheet is a financial statement that shows your financial assets (such as your savings account and home equity) against your financial liabilities (such as your mortgage, credit card debt).

Compound interest is interest that is earned on interest that was earned in prior periods. For credit cards or other loans, compound interest is interest charged on interest that was charged in prior periods.

A budget is a document that shows your spending goals for the month or year.A budget is a document that shows your spending goals for the month or year.

A personal financial planner can help you with your personal financial situation, including investments and savings goals. Fee-only financial planners are paid for the appointment, and do not receive a commission for your purchases.

Gross income is the total amount of money that you make, before subtracting expenses and taxes.

A personal liability is the amount that you owe. For example, many households have their home loan, car loans, credit card bills, and student loans as their liabilities.

Net income is your earnings after subtracting out expenses (for self-employed individuals) and taxes.

You net worth is the difference between your financial assets and your financial liabilities. If you are in debt, your net worth is likely to be negative.

A tax advisor is a tax professional who can help you in planning a tax strategy, and can prepare your tax returns for you.

A teaser rate is an introductory interest rate offered by credit card companies. When the introductory period is over, the rate typically increases dramatically.


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