Orrin Woodward on LIFE & Leadership

Inc Magazine Top 20 Leader shares his personal, professional, and financial secrets.

  • Orrin Woodward

    Former Guinness World Record Holder for largest book signing ever, Orrin Woodward is a NY Times bestselling author of And Justice For All along with RESOLVED & coauthor of LeaderShift and Launching a Leadership Revolution. His books have sold over one million copies in the financial, leadership and liberty fields. RESOLVED: 13 Resolutions For LIFE made the Top 100 All-Time Best Leadership Books and the 13 Resolutions are the framework for the top selling Mental Fitness Challenge personal development program.

    Orrin made the Top 20 Inc. Magazine Leadership list & has co-founded two multi-million dollar leadership companies. Currently, he serves as the Chairman of the Board of the LIFE. He has a B.S. degree from GMI-EMI (now Kettering University) in manufacturing systems engineering. He holds four U.S. patents, and won an exclusive National Technical Benchmarking Award.

    This blog is an Alltop selection and ranked in HR's Top 100 Blogs for Management & Leadership.

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The Financial Matrix and Personal Finances

Posted by Orrin Woodward on January 20, 2015

The Financial Matrix Debt System

High-paying longterm jobs are exiting North America at an alarming rate. Nonetheless, citizens of America and Canada seem unable (in some cases unwilling) to cut expenses. The latest numbers on American indebtedness (Canadian numbers are similarly dismal), both consumer debt and home mortgages, is staggering.

The latest GoBankingRates report found the average American is more than $225,000 in debt with little savings. The website identified (using the earnings, savings, and various loans) the “average American’s” (calling her ‘Mary Smith’) financial status.

GoBankingRates editor Jennifer Calonia stated that, “Mary is 37, the current median age of an American. She’s a non-Hispanic White, the largest demographic in the country, and she works in retail sales, the most common occupation in the United States”

Unfortunately, Mary’s pay and debt load is a train wreck in progress. Calonia noted, “Until we witness a much more dramatic return to permanent, long-term employment in the private sector, Mary Smith’s dire scenario, which leaves her drowning in debt and without adequate savings, will continue to play out, especially as more companies rely on temporary, low-wage work.”

According to the latest USA data, the real (inflation adjusted) median household income was $51,939 in 2013. However, one must remember that household income is the combined incomes from everyone working in the house. Basically, this means the average personal income is somewhere around $30k. Further, the total income has trended downward since 2007, falling 8% from the pre-recession peak of $56,436 and remains well below the 1999 record of $56,895.

In other words, household income, over the last 16 years, has actually gone down! Imagine working for 16 years straight only to receive less money than one did originally. To compound this pain, inflation has caused most other prices to skyrocket, leaving Americans bewildered and frustrated. This simply cannot continue indefinitely. Compare the average income of Americans with the average debt loads and a forthcoming financial disaster becomes apparent. 

Here is a summary of the average debt numbers.

  • Average credit card debt among indebted households: $15,263
  • Average credit card interest rate: 14.95% APR
  • Average mortgage debt: $147,591
  • Average outstanding student loan balance: $31,646
  • Average auto loan debt: $30,738
  • Only 59 percent of Americans have at least $500 in a savings account saved
Financial Fitness Pack

Financial Fitness Pack

LIFE Leadership has the Financial Fitness Program to help people across the world learn how to play defense and offense in order to break free from the increasingly oppressive  Financial Matrix. Few understand the difference between expenses and investments and, unfortunately, most people maximize expenses while minimizing investments. LIFE Leadership, in contrast, teaches how to build wealth for the longterm by slashing expenses and investing in your #1 asset – yourself. If you are looking for an escape path from the Financial Matrix, LIFE Leadership has is the fasttrack. I feel like Morpheus explaining to people trapped in the matrix the plan to set them free:

Morpheus: When the (Financial) Matrix was first built, there was a man born inside who (he purchased a Financial Fitness Pack 🙂 ) had the ability to change whatever he wanted, to remake the (Financial) Matrix as he saw fit. It was he who freed the first of us, taught us the truth : ‘As long as the (Financial) Matrix exists, the human race will never be free.’ After he died, the Oracle prophesied his return, and that his coming would hail the destruction of the (Financial) Matrix, end the war, bring freedom to our people. That is why there are those of us who have spent our entire lives searching the (Financial) Matrix, looking for him. I did what I did because…I believe that search is over. – (LIFE Leadership is here.)

Isn’t it time you learned the Defense, Offense, and Playing Field of finances so you too can break free from the Financial Matrix?


Orrin Woodward

20 Responses to “The Financial Matrix and Personal Finances”

  1. Neal D Ruffner said

    Wow! What staggering statistics Orrin! Thanks for putting in all the efforts on research and study. I am so blessed to have plugged into the Financial Fitness materials by Life Leadership and we have been able to unplug from the Financial Matrix! It feels amazing! And it is our passion now to show others how to do the same!
    Thanks for your leadership,
    Neal & Mallory Ruffner

  2. Chad Waters said

    Hi Orrin!

    We have to get more of Life Leaderships FFC’s out there and change those statistics!
    Let’s change the world first by example and then by helping others!

    God bless.

  3. Adam Hancock said


    Thank you so much for helping all those that are unplugged and unplugging others. Julie and I are so blessed to be apart of an organization that helps people change their thinking. I’m in the financial world and it scares me to see the lies and falacies that are taught on a daily basis to our citizens and clients. We need to stand in the gap and teach new simple truths. Deliver them from the matrix and free our country from the oppression that is on them.

    God bless
    Adam and Julie Hancock

  4. Lynn Burns said

    Love the truth being told!! Time to stop the “need it now because I deserve it” mentatlity!! Thank you Orrin!

  5. Danny Kellenberger said


    Thanks for heralding this message! It is a great example do your quote, “the truth will set you free, after it ticks you off.” Keep bringing the truth!
    Carpe Diem
    Danny K

  6. Nancy Monsipapa said

    Thank you… truth is amazing music to the ears!

    Nancy & Rick Monsipapa

  7. Abraham said

    Great read and such a true comparison to the Matrix movie. I have long been a fan and advocate for others to see the movie to have a visual of what Life Leadership is all about.

    In fact the Great Commision is the call for all those awake to venture out into the dark seeking those whom are ready to rise to truth, similar to those in Zion.

    Thank you for taking your message of hope and purpose to the masses, not fearing those that criticize and condemn but loving all who are lost and in need of love. You have in many ways acted as Morpheus and have gave your all to find the One.

    It’s been explained that everybody is a certain One. In the my world of influence, I am the One just as my neighbor is the One to his world. You have, in your journeys and struggles, set a tone of example and have paved a pathway for others to quickly catch up to your pace of influence.

    We look forward to not merely joining in the ranks of leadership. But rather expanding the pathway of hope to the world of despair. There we so many amazing people lost in purposeless that are only needing a flash of light to become becons of hope. I was once lost in such but have been found in wanting and growing in belief that I too will set the world a flame in truth and love.

  8. Brandon and Jaycie Stremkowski said

    Hey Orrin,
    This blog article is truly staggering and a huge dose of the red pill! Thanks to Life Leadership, we have come to faith in Jesus Christ, developed goals and dreams, began to love people again, and now are getting the best financial education out there. When we think and reflect on you and Laurie’s story to where you are now, We aren’t dreaming big enough!

    Thanks for leading from the front!

  9. April Sellen said

    Wow! What a powerful blog! The stats are staggering but only shows the immensity of the problem Americans face. As I was reading, I couldn’t help but woo-hooing that the Financial Fitness pack entered my life over a year ago. Applying those principles brought me from being similar to many of the listed statistics to having a savings and less debt. Once again, WOO HOO! 🙂

  10. Jeni Swedberg said

    Thanks, Orrin, for the timely post. Fortunately, we took the red pill and our eyes have been opened! Thanks for all the work you do to help those of us who have been stuck for too long. And giving us the opportunity to share the information with others to help them break free!

  11. Jon DeLange said

    So many people want things instantly. Instant video, instant results, instant rewards, instant coffee even. Yet so often, excellence and mastery- especially in the financial world- take thousands of hours over a period of years. Truth is sweet to the ears of some, and we’re proud to be a part of the LIFE movement. Lets break free, Thank you Orrin for putting in the hours for excellence. By your example, so many people are inspired to unplug from the Financial Matrix.

  12. John Hatchell said

    Awesome useful “Truth, not to stumble and move on from” …We discussed this a little last night before the open..(thnx Jeff Harmon for sharing). NBC news stated a couple of weeks ago, 92% of all households in America are living from paycheck to paycheck or in Life words debt payments to debt payments. Thank You Orrin for helping us to get unplugged from the Matrix….

  13. CJ Calvert said

    Scary statistics, Orrin. We’ve got the answer with the Financial Fitness Pack. Thanks for sharing!

  14. Diana Wiggins said

    Thankyou. It’s because of the LIFE LEADERSHIP financial fitness education that my husband and I are not a financial train wreck or a statistic of the house of cards. I stated implementation when information first became available and my eyes were opened. Davis, CA

  15. Rick Tillmann said

    Hey Orrin,
    Thanks for offering us the red pill, or as Jeff Darling called it, the Green Pill through the Financial Fitness Pack. Unplugging from the Financial Matrix starts with that Pack.
    Fly, Neo Fly!

  16. robert wilcox said

    Thank you Orrin! These statistics are staggering!! To realize just a few short short years ago I was caught up in this mix. Thanks to this information …different mindset and the right habits debt free is a lifestyle now!!

  17. Joel said

    Hi Orrin,

    I remember Congressman McEwen’s “Freedom Isn’t Free” CD, how he talked about having political freedom, economic freedom and spiritual freedom.. It was powerful stuff.

    The more I learn from Life Leadership, the bigger the “prodigious noticer” I become. We know that the opposite of freedom is tyranny, and slavery is usually synonymous with this. But in my opinion there are many forms of slavery, just as there are several types of ‘freedoms.’ Granted, the conventional definition of ‘slavery’ conjures the image of ancient slaves building the pyramids in Egypt, or more recently, the slaves of America working in the plantations across the South before the Civil War. This is the worst type of slavery, no doubt. The thought of ‘owning’ another human being makes my stomach turn.

    There are still ‘slaves’ in America. And the types of slavery that exist today are more subtle. If we work for somebody else, we are economic slaves. If we allow the government to take away our freedoms, we become political slaves. If we are in debt, we are financial slaves.

    Unfortunately, I am one of those ‘financial slaves.’ I’m not blaming anybody. I take personal accountability for the decisions I have made in my life, and part of those decisions were based on my former worldviews.

    Fortunately, being a member of this great community, I know that if I follow the FFP principles, eventually I will be FREE.

    Thank you Orrin and Life Co-Founders. God Bless.

  18. Thank you Orrin and Laurie and all the Life Coaches for being a great example to follow

  19. John Mossner said

    Everyone that plugs into this information and applies it makes major improvements in their financial lives. We also know that financial stress being reduced can drastically help other areas of their lives. This is why we can truly say the Life Leadership information is life-changing!

  20. robert wilcox said

    What an Amazing opportunity we have our hands on!! Thank you for your servant Leadership and example thank you for creating a system to help people like me get debt free and understand the value of information changes lives and the best place to start is Finances!!!

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