The document describes the Money Merge Account (MMA) system, which has three components: 1) applying additional payments to the principal of your mortgage to reduce interest, 2) using an Advanced Line of Credit (ALOC) that applies payments to principal multiple times per month to reduce interest charges, 3) MMA software and website that creates financial models, tracks spending, and maximizes returns with 10 minutes of monthly updates. The system aims to eliminate interest costs on loans by leveraging the benefits of compound versus simple interest and using income deposits to reduce loan balances before interest accrues.