The 90% Rule: How to Get Out of Debt and Prosper and Why It's Important, by Matthew M. Carter II, Ph.D. Find out how to become debt free and wealthy! Matthew Mark Carter II is the International Evangelist In Residence for Carter Ministries, Inc. He serves as evangelist and speaker for conferences and worship services in the United States, the Caribbean, and Central America. He is a gifted Christian Evangelist. He has a Masters degree in Theological Science from Smith Chapel Bible University, a Doctor of Philosophy degree in Christian Ministry from Gulf Coast College & Seminary. He currently serves as Senior Pastor of the Beulah Hill Missionary Baptist Church in Gretna, Florida. Dr. Carter is an evangelist and guest lecturer on Bible based financial matters.