The global economy has changed to what the New York Times declared as of August 8, 2016 to "Low Growth" with no change in sight. Raises are far and few between yet costs continue to go up and up leaving the majority of people with debt. - Zero Down Your Debt authors and founders of ClubThrifty have a money-smart plan to enable readers to reclaim their income and live the life they always wanted. - How this book is not generic: the concept is pretty radical, issuing a wake-up call to readers who live in a world of online-bill pay where you don't even notice the deductions from your account. Start paying attention to your spending now to avoid a money-insecure future.