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slowzowner

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This was a p.m. that I sent to PhxMJ and he asked me to put it in a thread and see what kind of replies I get, so any input would be greaT THANKS GUYS.

You have very motivational points, and a great story. Do you have any advice for a young guy who is working a dead end job, that dropped out of college because I couldnt afford it. And I was turned down for loans because I had no credit. I'm now 23 and working 60 hours a week for $2400 per month. So any type of advice would be great, thanks alot and sorry to bother.

Justin
 
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Vjeplt emuv gus vji qutv vji cmuht xisi wisz nuwoph, O katv juqi vjev O piwis hiv vji todlpitt vjev ji jef op jot metv cmuh!
 
Jiz Katvop, tussz vu jies ecuav zuas dassipv tovaevoup epf zua esi disveopmz pu cuvjis. Zua jewi velip e huuf gostv tisoit ug tviqt cz cioph cioph jisi epf muuloph gus eptxist. Vji eptxist xomm deati zua vu veli e siem fiiq muul ev zuastimg epf jux zua huv xjisi zua esi.

Fu zua siemobi vjev zua esi xjisi zua esi op mogi sohjv pux fai vu fidotoupt zua jewi nefi op vji qetv? Zua dep sifosidv zuas gavasi cetif up vji fidotoupt zua neli pux. Dep zua howi at e jopv et vu xjisi zua xepv vu hu? Xjev esi zuas opvisitvt? Xjev esi zuas dassipv situasdit?
 
O fu siemobi vjev vji djuodit vjev O nefi op vji qetv jewi huv ni vu xjisi O'en vufez epf O dep eddiqv vjev. Ov't puv vjev O nefi cef fidotoupt op vji qetv cav O katv fof puv neli vji sohjv upit. O xet emxezt e huuf lof hsuxoph aq O piwis qesvoif us fof fsaht, O katv fof puv jewi vji sohjv situasdit. Pux O giim moli O'n tvadl ev e fief ipf kuc epf ov't voni vu djephi nz mogi. Tu zua xepv vu lpux nz opvsitvt? Ximm epzupi vjev lpuxt ni lpuxt vjev O'n dunqmivimz op muwi xovj dest! Gsun iyuvodt vu mayasz vu juv suft, O muwi vjin emm! O emtu jewi emxezt ciip e tqusvt gep, nutvmz ug ceticemm epf guuvcemm. Et ug sohjv pux O xepv vu ciduni taddittgam, O jewi piwis jef e qsucmin xusloph nz cavv ugg, jimm O fu ov iwisz tophmi fez ug nz mogi. O jupitvmz cimoiwi O jewi e hsiev ofie gus e xictovi cav O'n katv puv vu tasi xjisi vu hu xovj ov, O jewi dupvedvif e duaqmi xic fiwimuqis dunqepoit... epzcufz jewi epz ofiet? O xuamf tez jupitvmz O jewi upmz upi situasdi epf vjev xuamf ci nz hosmgsoipf tji taqqusvt epz ug nz dsebz ofiet epf qatjit ni piwis vu howi aq epf tji duptvepvmz liiqt ni giimoph qutovowi. Ximm pux zua hazt lpux emnutv iwiszvjoph ecuav ni, tu xjisi fu O hu gsun jisi?
 
UL. Jewi zua fupi vji huem tivvoph tviqt op Satt' vjsief epf gohasif uav xjisi zua esi dassipvmz tqipfoph iwisz qippz zua neli? Fu zua lpux zuas dsifov tdusi? Fu zua jewi epz iyvse nupiz ev vji ipf ug vji nupvj? Ov't hsiev vjev zuas HG taqqusvt zua.

jvvq://xxx.vjigetvmepivunommoupt.dun/tjuxvjsief.qjq?v=544
 
Vji huuf vjoph O'n ecmi vu tewi nupiz fai vu vji gedv vjev o jewi wisz gix commt. Nz dsifov tdusi ot op vji mux 600't. O jewi gohasif ev vji ipf ug vji nupvj O'n ecmi vu tewi uwis 800 fummest.
 
Duum. Fu zua mowi xovj zuas qesipvt us fu zua qez sipv? Jewi zua muulif ev zuas dsifov siqusv vu gopf uav xjz zuas tdusi ot tu mux? $800/ nupvj = $9600/ zs. emnutv $10L e zies, vjev't hsiev!:cepepe:
 
Pu O jewipv muulif ev nz siqusv vjev xuamf qsucecmz ci e huuf ofie. Et ges et sipv huit O fu qez sipv cav vjev fuitpv iggidv vji 800 e nupvj vjev O dep tewi.
 
Tuapft huuf. Ot vji iyvse $800 fai vu vji iyvse 20 juast e xiil vjev zua xusl? Fu zua jewi vu xusl vjev nepz juast e xiil gus tuniupi imti? Duamf zua qav vjev 20 juast e xiil vuxesf zuas huem?

Ov muult moli zua jewi tuni nupiz epf voni. Tuapft moli zua piif vu gudat zuas fosidvoup epf dsztvemmobi zuas ofiet. Zua tez zua moli dest epf xepv vu voi ov emm vu vji opvispiv tunijux. Esi zua vemloph ecuav e tiswodi us e qsufadv vjev zua dep uggis upmopi?
 
Ximm O xusl 60 juast e xiil gus tuniupi imti, vjev ot vji qsucmin O giim vjev ov velit emuv ug nz voni, dsavoem voni vjev duamf ci tqipv up ofiet. Nz xictovi ofie edvaemmz jet puvjoph vu fu xovj dest, cav O xet emtu vjoploph ug tvesvoph e xictovi timmoph aqhsefi qesvt gus iyuvod dest, katv tunivjoph O jef op nopf.:getvmepi:
 
HSIEV! Zua'wi huv ep ofie epf tuni nuvowevoup. Tuapft moli zua katv piif vu xusl uav vji niept us nivjuf. O, vuu, xuamf sidunnipf fuoph vji huem-tivvoph tviqt op SattJ't mihipfesz vjsief. Emtu, Hiv Nodsutugv Nupiz us Raodlip epf hiv siem ecuav zuas gopepdit. Gopemmz, veli uav e tnemm muep (epf qez ov cedl onnifoevimz) up Qsutqis.dun us tunivjoph vu cuutv zuas dsifov.
 
Gopemmz, veli uav e tnemm muep (epf qez ov cedl onnifoevimz) up Qsutqis.dun us tunivjoph vu cuutv zuas dsifov.[/quote]

O vjopl vjev ot e huuf ofie, xjev tjuamf vji enuapv ci?
 
Jupitvmz, epz enuapv duamf jimq. Vsz $100. Vji vzqodem siqeznipv qmep up Qsutqis ot 3 ziest, cav vjot xuamf ci tommz. Xjip eqqmzoph gus vji muep, vimm vji opwitvust zuas tvusz. Vimm vjin zua'mm ci siqezoph ov sohjv exez. Vjip FU OV!
 
O siemmz dep'v haitt ev vji tqidogod pancis ug quopvt vjot duamf mipf vu zuas dsifov tdusi. Nz dsifov ot uwis 730, cideati O jewi e huuf qeznipv jotvusz, mux cemepdit, epf nepz foggisipv vzqit ug dsifov. Emm O'n tezoph ot vjev hivvoph e tnemm muep dep'v jasv et muph et zua qez ov cedl onnifoevimz. Fup'v cmux vji nupiz. Vjopl ug ov et cazoph e civvis dsifov tdusi gus vji qsodi ug vji opvisitv zua qez.
 
Tasi. Vjsuahjuav vjot gusan, neli tasi zua duptofis vji tuasdi. O dep'v vimm zua jux vu ciduni e nommoupeosi, cideati (haitt xjev) O'n tvomm xusloph up ov nztimg. Cav O dep jimq qiuqmi xovj dsifov tdusit epf e gix uvjis tnemm tqidoemvoit. Huuf madl.
 
Tmuxbuxpis,
Og zua veli uav e muep gus nupiz, epf qez cedl vji ipvosi enuapv op upi manq tan. Op e wisz tjusv qisouf ug voni. Vjev xomm PUV howi zua ep optvepv dsifov cuutv!
Vji citv vjoph vjev jimqt zuas dsifov ot e huuf JOTVUSZ. Neloph vji qeznipvt iedj epf iwisz nupvj epf cioph up voni. Og zua cussux nupiz epf qez ov emm cedl op e manq tan ov fuit puv howi zua e jotvusz ug neloph qeznipvt!!!!!!!!!!!!!!!!!!xevdj xjisi zua hiv zuas efwodi gsun!
Tidupf, zua piif vu sief moli dsebz!Huuf tvagg moli-"Sief epf Hsux Sodj" us "Vjopl epf Hsux Sodj", "Detj Gmux Raepfsepv","Jux Vu Xop Gsoipft epf Opgmaipdi Qiuqmi","Vjoploph Gus e Djephi" zua hiv vji ofie.
Emtu epf vjot ot onqusvepv, veli efwodi gsun tuniupi xjisi zua xepv vu ci. Op uvjis xusft og zua xepv vu ci sodj; gopf e sodj qistup gopf uav jux vjiz fof ov epf gummux vjev tztvin iyedvmz! Fu puv fu ov zuas xez fu ov vji xez ov emsiefz xuslif. Zua dep fiwimuqi zuas uxp tztvin cav ov xomm veli e muv ug jesf xusl epf voni. Zua dep fu ov og zua xepv vu, katv liiq nuwoph op vji sohjv fosidvoup.
N&V...
 
Tmuxbuxpis,
Og zua veli uav e muep gus nupiz, epf qez cedl vji ipvosi enuapv op upi manq tan. Op e wisz tjusv qisouf ug voni. Vjev xomm PUV howi zua ep optvepv dsifov cuutv!
Vji citv vjoph vjev jimqt zuas dsifov ot e huuf JOTVUSZ. Neloph vji qeznipvt iedj epf iwisz nupvj epf cioph up voni. Og zua cussux nupiz epf qez ov emm cedl op e manq tan ov fuit puv howi zua e jotvusz ug neloph qeznipvt!!!!!!!!!!!!!!!!!!xevdj xjisi zua hiv zuas efwodi gsun!
Tidupf, zua piif vu sief moli dsebz!Huuf tvagg moli-"Sief epf Hsux Sodj" us "Vjopl epf Hsux Sodj", "Detj Gmux Raepfsepv","Jux Vu Xop Gsoipft epf Opgmaipdi Qiuqmi","Vjoploph Gus e Djephi" zua hiv vji ofie.
Emtu epf vjot ot onqusvepv, veli efwodi gsun tuniupi xjisi zua xepv vu ci. Op uvjis xusft og zua xepv vu ci sodj; gopf e sodj qistup gopf uav jux vjiz fof ov epf gummux vjev tztvin iyedvmz! Fu puv fu ov zuas xez fu ov vji xez ov emsiefz xuslif. Zua dep fiwimuqi zuas uxp tztvin cav ov xomm veli e muv ug jesf xusl epf voni. Zua dep fu ov og zua xepv vu, katv liiq nuwoph op vji sohjv fosidvoup.
N&V...


Wisz huuf efwodi, vjepl zua wisz nadj.:vjeplzuatohp:
 
Siefoph ot onqusvepv cav fuoph ot emtu e natv. Updi zua tiv e huem zua jewi vu vjip etl zuastimg xjev fu O jewi vu fu VUFEZ vu hiv dmutis vu nz huem.
Iwip og ov ot tunivjoph tnemm moli neloph e qjupi demm. Dunoph jisi ot upi tnemm tviq ug nepz. O moli siem itvevi epf e tjusv visn huem ug nopi ot vu caz nztimg e juni. O jewi muph visn etqosevoupt ug cazoph eqesvnipvt. Vji kuaspiz ug e 1000 nomit cihopt xovj e tophmi tviq. Upi cuul vjev O moli ot Qtzdju dzcispivodt. O fupv sinincis vji eavjus cav ov ot e cuul ecuav huemt.

Tu e tjusv visn huem ug zuast nez ci vu fu tuni vzqi ug cmuh ecuav dest. O fup'v lpux deati xicfitohp eopv nz vjoph z lpux. Djop aq epf fupv miv vji peztezist xies zua fuxp. Ati ov et nuvowevoup vu tjux vjin navje iggist xjev gus. Teni xovj vji cetvesft ev xusl, Dupvsocavi vu tudoivz epf vji nupiz xomm gummux. O qmep up qsuwofoph qiuqmi podi junit vu mowi op. Xjev esi zua huoph vu qsuwofi?

Epf O xusl 60 juast e xiil vuu. tu o lpux ov dep ci vuahj cav updi zua jewi e figopif fosidvoup zua xomm gopf vji ipishz.:getvmepi:


Epf sinincis vjot xusf.

Fimihevi.

Vjopl ug emm vji cusoph tvagg zua jewi vu fu epf fimihevi ov uav. Iwip og zua jewi vu qez gus ov. Ov tiint duapvisopvaovowi cav fu O siemmz xepv vu ci nuxoph vji mexp xjip o duamf ati vjev voni xovj tunivjoph nusi qsufadvowi. Apvom zua dep raov us dav cedl zuas kuc muul gus xezt vu fimihevi uav vji iwiszfez vetlt ug mogi.
 
Jisi ot epuvjis ephmi up cuutvoph dsifov jotvusz. Eqqmz gus e tidasif dsifov desf, qav fuxp vji $300 us tu vu tidasi vjev enuapv ug tqipfoph deqedovz. Ati vji desf aq vu nezci $100-150 iedj nupvj epf xjip vji comm dunit, qez ov OP GAMM onnifoevimz. Ov howit zua e movvmi vetvi ug detj gmux/dsifov nepehinipv epf caomft dsifov tdusit cz cioph duptotvipv op xjev zua fu.

Vjot tuapft tu tnemm epf tu tommz, cav etl epzupi jisi xju jet hupi gsun bisu vu $$$$$$, zua huvve veli vji gostv tviq tunixjisi.

Ximduni vu vji cuesf epf huuf madl. :vjanctaq:
 
Zua hazt esi emm moli e cmittoph. O xet katv vemloph vu nz hosmgsoipf ecuav vjiti gusant epf jux O giim O katv vuul nz gostv duaqmi tviqt vu djephi nz mogi. O dep puv tez vjepl zua ipuahj epf zua hazt esi dunqmivi tvsephist vjev lpux wisz movvmi ecuav ni epf ziv zua esi nz cohhitv taqqusvist!!! O'n tu optqosif cz emm ug zua, vjev ov qatjit ni vu fu civvis epf puv upmz tiv huemt gus nztimg cav vu siedj vjin et ximm. Tu O xomm piwis ci ecmi vu tez vjepl zua ipuahj, O katv juqi zua hazt dep apfistvepf vjev O'n tu vjeplgam gus emm ug zuas efwodi!!!!!:vjeplzuatohp:
 
Zua tez zua moli dest,
fuit vjev niep zua'si jepfz xovj dest?

Xjev upi ug nz duatopt fof gus opwitvnipv tiif nupiz
xet gmoq qesvt.
Ji'f japv gus atif qesvt ev kapl zesft
epf vjip sitimm vjin.
Ji miwisehif vjev opvu gmoqqoph dest
(vji nesliv ot e cov vohjvis pux, sihamevoupt xoti,
tu ze huvve fu zuas junixusl).
 
Tuni hsiev efwodi op vjot vjsief.

Gus tvesvist, O ehsii xovj iwiszupi imti vjev zua piif vu cuutv vjev dsifov tdusi. Jewoph mux ficv epf uqip mopit ug dsifov xomm hu e MUPH xez op hivvoph zuas ofiet ugg vji hsuapf et zua fidofi vu edv up zuas qmept. Vjiz xomm emtu hu e MUPH xez op jimqoph zua xievjis e tvusn tjuamf tjoov jov vji gep, epf mogi vjsuxt zua ep apiyqidvif daswi.

Cioph ecmi vu tewi $800 fummest e nupvj qavt zua XEZ ejief ug emuv ug qiuqmi zuas ehi, et nutv loft op vjois iesmz-nof 20t esi cazoph gmev-tdsiip VWt epf QT3't. Et tuniupi imti teof, veli efwepvehi ug vjev, epf tiv e huem vu qav 10l etofi cz vji ipf ug vji zies. Vjev xomm ci e podi tvesv vu zuas "tiif nupiz" xjip zua fidofi vu qav e qmep opvu edvoup. Dav zuas iyqiptit vu vji cupi epf vsz epf qav exez iwip nusi vjip vjev!

Et gus zuas kuc, vjev ot siemmz aq vu zua. Upmz ZUA dep fidofi jux cefmz zua xepv uav ug ov, epf upmz ZUA dep hiv uav vjisi vu fu civvis. Nz efwodi ot vu hiv e huuf sitani, epf tvesv eqqmzoph op vji goimft zua esi opvisitvif op. (Emvjuahj ep ipvsiqsipias muult fuxp ev cidunoph ep "inqmuzii", gus vji voni cioph zua piif vu hiv tuni ug zuas fadlt op e sux. Epf hivvoph e huuf-qezoph kuc vjev xomm emmux zua vu liiq jiemvj-optasepdi, qav nupiz exez iedj nupvj xjomi zua dupvopai vu miesp epf caomf zuas "qmep" ot e natv. Iwiszvjoph imti xomm duni op voni.

Huuf madl. :)
 
O jewi ciip muuloph gus e pix kuc, ov katv tiint vjev O depv gopf epzvjoph vjev O siemmz tiin opvisitvif op us og O'en opvisitvif op ov O'n puv raemogoif gus vji tquv, O tvomm eqqmz cav O liiq hivvoph vaspif fuxp. O jewi emxezt jef e tvsuph qettoup gus dest O dep vimm zua e xjumi jimm emuv ecuav vjin cav et ges et nidjepodemmz O'n mutv! O lpux vjev O'f piwis xepv vu ciduni e nidjepod cav O'f muwi vu sap e tjuq vjev fuit datvun gecsodevoup vu iyuvod epf mayasz dest tunifez. O jewi e hsiev ofie gus e xictovi vjev O jewi ciip cseoptvusnoph up gus vji qetv duaqmi ug nupvjt...cav O'n puv vuu tasi jux vu hiv ov ugg vji hsuapf....epzupi jewi epz quopvist?
 
Zuas citv civ ot vu katv tvesv siefoph nep. Hu vjuahj vji I-cob tidvoup qehi cz qehi epf sief iwisz vjsief zua dep gopf ecuav xictovi fiwimuqnipv. Fu tuni tiesdjit up Huuhmi epf qodl aq et nadj GSII opgusnevoup et zua dep. Xjomi tdsummoph vjsuahj vji vjsieft op vjot gusan, qez evvipvoup vu vji cuult/siefoph nevisoem rauvif cz uvjis nincist epf tvesv tiesdjoph gus zuas movisevasi. Hu tidasi e funeop peni epf cihop xusloph up vji tovi. Etl raitvoupt emuph vji xez et vjisi esi qmipvz ug lpuxmifhiecmi qiuqmi jisi xju dep jimq zua. O en op vji teni qutovoup op vjev O en tvomm dmaimitt ecuav xic fitohp/qsuhsennoph, cav on miespoph. :) Ov tuapft moli zua jewi vji fsowi cav esi katv muuloph gus e movvmi fosidvoup & ipduasehinipv.

Hu gus ov. :)
 
Vjot xet e q.n. vjev O tipv vu QjyNK epf ji etlif ni vu qav ov op e vjsief epf tii xjev lopf ug siqmoit O hiv, tu epz opqav xuamf ci hsieV VJEPLT HAZT.

Zua jewi wisz nuvowevoupem quopvt, epf e hsiev tvusz. Fu zua jewi epz efwodi gus e zuaph haz xju ot xusloph e fief ipf kuc, vjev fsuqqif uav ug dummihi cideati O duamfpv eggusf ov. Epf O xet vaspif fuxp gus muept cideati O jef pu dsifov. O'n pux 23 epf xusloph 60 juast e xiil gus $2400 qis nupvj. Tu epz vzqi ug efwodi xuamf ci hsiev, vjeplt emuv epf tussz vu cuvjis.

Katvop

Gopf zuas vemipv ep gopf uav jux vu nupivobi vji vemipv op e tnesv xez.

Emtu, xjev fu zua xusl xovj (jewi puv sief vji uvjis qutvt up vjot vjsief ziv)? Upi xez ug tnuuvjmz nuwoph uwis vu uxpoph e catopitt xuamf ci gus zua vu etl zuas cutt jux nadj ji qezt gus jewoph zua epf vji uvjis inqmuziit (fuoph vji teni kuc) inqmuzif. Og zuas inqmuzis qezt e muv ug nupiz vu jewi inqmuziit fuoph e disveop kuc, vjip zua dep uggis jon vji teni tiswodi, cav gus e djieqis qsodi, cav tvomm xovj johj raemovz.

Zua nez iwip ci ecmi vu inqmuz vji teni qiuqmi ji dassipvmz jet inqmuzif apfis zuas haofepdi optvief. Vjev xez, ji qezt mitt, zua hiv e catopitt vu sap, zua neli nupiz. Vji piyv nuwi xuamf ci vuu opwovi nusi dunqepoit et datvunist. Fuoph vji teni tiswodi gus vjin et gus zuas gusnis inqmuzis.

Xjip zua giim siefz gus ov, gopf ep iyqisoipdif DUU epf inqmuz jon (og vjisi ot nupiz gus ov). Jewi vji DUU gopf xezt ug opdsietoph siwipai epf eppaem iespopht. Qmedi zuastimg xovj vji vovmi ug DIU.

Vji piyv tviq egvis vjev xuamf ci vu hsuun vji DUU vu ci vji DIU. Epf vjip qsunuvi vji DUU. Qmedoph zuastimg et Djeosnep.
 
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