Your retirement day is supposed to be a milestone you look forward to, not dread. However, for Alabama resident Sophia Deal, the end of her working career presented a real problem; despite her best efforts, she had not saved enough money for retirement.

A lot of people are in the same boat. Social Security and pension -- if you're lucky enough to have one -- don't provide enough money to keep you in the style to which you've become accustomed. One night, while up late watching TV with her son Roger, who is in construction, Deal stumbled upon a solution: Carleton Sheets' No Down Payment program.

"We looked at each other and decided it might be just what we needed," she says. Through the course materials, presented in videos, manuals and audio, Deal and her son quickly learned how to implement the investment techniques developed by Carleton Sheets. "So much for retirement. All I do now is work on houses," Deal laughs.

One of the deals she is most proud of is her purchase of eight houses and one duplex all on one mortgage with no money down. "The properties were part of a settlement. The guy wanted to sell everything and we got them at a really great price," she shares. Deal and her son used the $3,000 cash back at closing to pay closing costs and insurance, and didn't have to come up with a dime of their own money.

Today, Deal and her son own and rent out 29 properties, single family homes and duplexes, which give them a net worth of $464,720 and a positive cash flow of $50,562 a year.

Want to learn how you too can make more money in retirement than you did while working? Log on to www.carletonsheets.com to start on your road to financial freedom.

About Carleton Sheets

Carleton Sheets became a full time investor in 1970. With no money and a family to support, he began investing in real estate using what are now known as creative financing techniques. Today, with partners or individually, Carleton has bought and sold more than 20 million dollars worth of income-producing real estate.

Now, Carleton Sheets divides his time between being an active investor, writing, and lecturing throughout the country. He has appeared on numerous radio and television talk shows around the country and has personally lectured to more than 500,000 people on the subject of creative real estate investment. His television show, "The Carleton Sheets Program," has been running continuously on the air for over 20 years, making it the longest running television program of its kind.

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