Important Notes Here's where you get to start making your money work for YOU! Imagine, if you will, that after completing your third bill payoff, that you took your initial $300 start-up money, and put it into what we'll call a Wealth Account every month. At the end of your 4 years, you would have put $300 each month into that account. That would be 48 months times $300, you would have over $14.000 in your wealth account. Imagine what you might be able to do with that. How about buying an investment property? Go to Realtor.com, and look at the homes in your area. See how many homes there are that are priced such that you would be able to get with little, or no money down, and could turn into a rental that would rent for $200- $300 more than the monthly payment would be, You have already saved your credit, and put an great amount of money in savings, AND have no bills... getting a loan on an investment property should be a breeze. AND now you've got a source of residual income of $200-$300 each month for as long as you own the property, and can keep it occupied. What if you bought another investment property every six months? In five years, you would have ten properties generating a minimum of $2000-$3000 each month, and would have assets that would possibly make you a millionaire. Would it be worth it to work for the next 8-10 years, in order to be worth a million dollars? People are using these techniques very successfully to do just that... the trick is to find the right areas of the country to invest in. You don't need to operate in your backyard...with a little bit of research on your part, you can find investment opportunities all over the place. NEXT MY MONEY ANSWERS: HOME GETTING PAST THE PAST ASSESSING YOUR SITUATION FACTORING MAKING THE PLAN SPECIAL NOTES ABOUT DEBT DECIDING IF BANKRUPTCY IS RIGHT FOR YOU DEBT CONSOLIDATION YOUR LONG TERM GOALS STARTING A BUSINESS CORPORATIONS PEOPLE YOU WILL NEED STUDENTS AND CREDIT