dFree “Say Yes to No Debt” 12 Steps to Financial Freedom created by Dr. Deforest B. Soaries, Jr., and existing for more than a decade, is a spiritual, financial and cultural movement that promotes financial freedom through values-based principles and practical approaches to financial management and increasing income. This course will teach students the cumulative effect of consistent and deliberate decisions made each day that lead to sustainable financial freedom. Registration is free. Everyone, including returning students, must register for class.  New students must purchase book and workbook.  Once registered, please click the button below to order your books.