To further elaborate, when I left college, I had nothing but debt, a piece of crap car and I had to move back in with my parents. Now I'm almost debt free. In the last five years, I have reduced my debt (Signifigantly) and saved while dealing with many difficult problems, a massive layoff and I won't go into the details of the rest.

Long story short, I pulled myself out of a negative networth, and made it positive. Its done through blood, sweat and tears.

I tried to share how I did it with others, most didn't want to listen (some did) or told me how they couldn't do it. Funny I did it. Success = hard work/education meeting opportunity.

Anyone can do this, they have to do the work to find the information, implament it, try, fail, learn.