The Reporting Philosophy incorporated by the Debt Elimination Calculator (DEC) product focuses on providing a Blueprint for the User to have meaningful information in order to smartly and efficiently Manage their own Money better. The Net Worth Appreciation report is based on moving a Premium amount of Money (a portion of the User's monthly Positive Cash Flow) from one account they own to another another account they own. That is not spending any Money - a neutral Net Worth transaction.

The Blueprint begins with a Welcome Cover Letter followed by a brief description of the 44 different Debt Elimination and Wealth Generation strategies, an Executive Summary showing the maximum amount of Debt Relief for the first 7 Strategies, a graphical Budget Profile comparing the Current Budget Profile with the Debt Elimination Budget Profile for a given amount of Premium allocation, a graphical presentation of the current and projected Net Worth Appreciation improvement along with the projected Payoff based on the historical Premium allocations, and, finally, the current Debt and Income Data Entry Profiles, the Debt Elimination results along with the final Net Worth Appreciation results for every Debt.