This is where the MMA plan comes into play. There are two components of the MMA program that can help you make and manage these lump-sum payments:

1. The ALOC (Advanced Line of Credit):
   you will use an ALOC as your money account. All of your income and living expenses come into and out of the ALOC giving you access to funds at "canceling interest".
   
   The ALOC will then be used to make lump-sum payments to pay down your mortgage:
   
   we will discuss this subject in the next topic
   
   
   
2. The MMA Software:
   a mathematical model that calculates the amount of your lump-sum payment based on your current cash position.
   
   The MMA software functions as your personal online "dashboard" that tracks, monitors, and budgets your quick mortgage payoff plan.
   
   we will discuss this subject in the 3rd topic