Not enough content and too much filler is what I think of John Cummuta’s courses. Cummuta attempts to show people how to switch their perspective about finances; however, it appears that his material and message can easily be found on general portal finance websites, such as msn or yahoo and is definitely not original from anything that other financial advisor’s would normally advocate. Simply, it’s nothing unique.

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"Turning Debt into Wealth" is one of the courses where Cummuta attempts to teach us that financial independence can be achieved not by ‘managing’ one’s debt, but by eliminating it. The catch is that his main mechanism for financial reform is to build wealth, but this particular section is brief, to say the least, and is loaded with filler. Not only was it unoriginal, but his material on how to get started on wealth was almost in bullet point form. Take for example his minimal 3 pages on real estate. The kind of material required to fully cover the subject should have spanned much more pages and should include much more detail and attention. Furthermore, he suggests going into online "affiliate marketing" which is certainly quite difficult and lends one to greater debt if unsuccessful, and with his minimal descriptions, it certainly would seem to be the case.