One of my biggest motivators in selling my house in California was THIN MAN.
I named him promptly after I saw a tall thin black broomstick-looking shadow wiz past me on hundreds of occasions in my California home.
He was a demonic spirit who hated men and sucked all their energy dry.
I'm not sure where he came from but I remember him showing up sometime after my brother spent the night at my house. I'm not sure if it was a demon my brother attracted in. Or if he came from the neighbor's house. But after he showed up, he never left.
There was a portal between my house and the neighbor's house.
And without going into too much detail, one man next door went batsh** crazy (like Amityville Horror style) and the other completely changed personalities before he died of a massive heart attack.
A new neighbor moved in. He was really cool. And I was hoping Thin Man wouldn't bleed him dry too, taking his soul in the process.
My dad lived with me for almost 3 years before I kicked him out on December 31st last year. I needed to start 2023 fresh and new without any heavy toxic energy around me. So, I sent my dad back home to San Clemente.
Evidently Thin Man was sucking off my dad's soul because after he left, he started making his presence seen and known throughout my house. He became loud and dangerous.
He locked my cat in the shower.
He started breaking things in the house. Things were disappearing. Small things. It was irritating.
The straw for me was when started scratching my daughter's back. She told me there was a burning on her back. I'd look and I'd see red scratches appear. Then they'd disappear about 5 minutes later. It was crazy. This was the WORST Thin Man had ever been in the entire 12 years I had lived there. It was my sign that it was time to go. I couldn't deal with the demon in my house anymore, getting heavier and more obvious with each passing day.
I had dealt with ghosts before. Normally they'd scare the crap out of me. But with Thin Man, it was different. I was aggressive with him. I'd seek him out and yell at him.
One day my daughter was visiting her dad. I was alone in the house, packing up one of my two master bedroom closets. I decided to sit down and have a rest for a moment after all the packing. All of a sudden I hear a knocking in the closet. It was coming from the other side of my closet where the guest room closet was. That was one of the Thin Man's entry points or portals from my house to the neighbor's house. In the guest room closet. (The other was in my master bathroom.) I heard him knocking very loudly, very pronounced, and in some kind of pattern. It was no mistake. Someone was knocking on the other side of that wall.
I got up and quickly went to the guest room. "Where are you, motherf*****." And I threw the closet door open. Nothing there. I don't know what I expected...or what I'd do if there WAS a dark demon standing there. (I guess I didn't think it through all that well.)
I started spraying this Florida water around. It's supposed to get rid of ghosts. It didn't work. But it made me feel better.
The house itself was draining me. And I started to think, Maybe this was the reason why California started weighing so heavily on me. Maybe a big part of it was Thin Man.
Of course, this was only partially true. Thin Man wasn't responsible for explosion of crime, homelessness, and rudeness I had been dealing with in my area for years. But he was taking my sanctuary. My home. And I didn't have anywhere to escape to anymore since he took over my home with his dark presence.
With each passing year, I noticed Thin Man got heavier, uglier, and stronger. I don't know if it's because the area was becoming more negative. Or if he could sense that I was getting weaker. Maybe a little bit of both.
I feel so blessed to have sold my home and moved away.
But right before I left, I had to tell my neighbor, Eric, about Thin Man. At first, I thought he'd think I was crazy. But as the man of the house next door with two girls and a wife, I knew he had to warn him. I didn't want him to go all Amityville Horror on his family one day once Thin Man got into his soul.
Eric listened patiently as I told him about the "portal" between my house and his. I was waiting for him to tell me I was crazy.
Finally he said, "That's why the dog refuses to go into my office. That's the room right next to your master bathroom. And he hates going into my daughter's room. That's the room right next to your guest room."
Hmmm. So he did believe me.
"I smudge my house," he said. "All the time."
I didn't want to tell him but...smudging only made Thin Man angry and stronger.
He didn't seem worried about Thin Man. At least he was aware. So, I had to let it go.
On the last night of our walk through before we left for good, I could feel Thin Man peering at me through the dark. He knew we were leaving. He knew we'd never return. And I could feel his quiet frustration of not knowing what was going on, where all the furniture went, and where we were going...or what was next. I actually felt scared about walking down the stairs one last time. I thought he'd push us or something. I couldn't get out of there fast enough.
The new man of my house...his name is Peter. I left a ceramic angel in the guest room closet facing my neighbor's house in an attempt to ward off Thin Man. (I doubt it helped.) But I often think about Peter and what he thought about the angel in the closet. Did he leave it there? Did he throw it away?
Is he going to figure out why one day...why I put it there...when he meets Thin Man himself?
My daughter asks me if I miss that house at least once a week. I don't miss that house. I miss my koi pond and my koi fish. I don't miss anything else about that house. Like literally nothing at all.
I love change. I love adventure. I love NEWNESS.
I love new opportunity.
And I have just that for you.
If you haven't watched my quick video yet, CLICK HERE. It's only 8 minutes long and it describes this cutting-edge real estate profit opportunity that you've probably never seen before.
Sometimes you just have to walk away from something that is draining you dry, sucking your soul, and killing you. If that's your current job, career, or profession then it's time to get into something new.
A couple of weeks ago, I got this notice from the state of California.
Demanding I file a state tax return for one of my corporations.
And then offering to "settle" for around $1,200 since I didn't file.
Huh?
First of all, the corporation in question was a FLORIDA corporation and had been since Day One (formed in 2020).
Second, I never did business in California with this corporation.
Third...how can they ask for a filing AND a "settlement" all at the same time?
Wouldn't they need to see tax return first to then determine how much I supposedly owe?
This is what we call classic "mail fraud." Send people letters and demand money even though you know damn well they don't owe anything.
The idea is that there will be some suckers who will pay the money. I think that's what they're banking on. Some suckers paying the money they don't legally owe.
They stated that if I didn't want to pay, I'd need to show proof of why I didn't need to pay.
So I sent them PROOF that the corporation is (1) a Florida corporation, (2) has a Florida address, and (3) a letter basically saying f*** off.
I had a friend of mine -- also a former California resident -- tell me that the state of California is worse than the IRS when it comes to trying to collect money they think they owe.
All of this makes me glad that I left California. I'll never move back there. The place is a disaster, getting worse by the day.
Their next big disaster: upping minimum wage to $25/hour. Yes, it's happening.
Now, you might be wondering...how does increasing the minimum wage hurt the state?
Because companies can't afford to pay every worker minimum wage.
Imagine paying a burger flipper at McDonald's minimum wage. As a fast food chain, you'd have to cut everyone's hours back and stay on a skeleton crew.
You'd also have to increase your food costs. Pretty soon a cheeseburger and fries will be $25 just to pay their workers. (Think I'm kidding? Just wait!) Then people won't be able to afford to eat there anymore. Down the tubes fast food (and other businesses) will go.
Companies that cannot survive WILL move out. They will have to...for survival. Kind of like how it was for me. And for millions of people over the past few years.
Places like fast food restaurants WILL adopt automation technology and robots. They will have robots flipping burgers, taking orders through the drive-through, and serving customers. No more wages, insurances, vacation time, legal liabilities, theft, and laziness. No more calling in sick, sexual harassment, spitting in the fries, or stealing company property. They will have one human who will watch the machinery, call a repair person if anything breaks, and to deal with any customer service issues. And that's it! This one person will get paid a nice hefty salary while mostly watching Netflix in the back office. What will the owners care? They're saving millions per year on payroll even paying that one person double what he or she would normally get as a fast food manager. Employee costs would be reduced to ONE person per shift, software and equipment upgrades/repairs...and that's about it!
Think this isn't happening? Think again. You'll start seeing it -- especially in California -- because these business owners will be FORCED to think outside of the box to survive. And one of these changes will be automation, robotics, and A.I. technology.
If I owned a bunch of McDonald's, I'd be OBSESSED with finding robots to do all the work in my fast food restaurants. I'd go into debt for the next 10 years buying up this kind of technology from places like China to AVOID paying a bunch of minimum wage workers $25/hour. After all, a fast food job is NOT a career path. It's an after school job in high school. That's about it. It's NEVER been designed to support a family of four. It's just not a serious career. Sorry. It's not.
Yet people are treating these lower minimum wage jobs as if they are career paths because they're too lazy and apathetic to get any kind of skillset needed to get a better job. How about taking a few computer software night classes at the local college? Or nurse training? Or how about learning sales? Learn a skill that will pay you a lot of money!
Even better, become an entrepreneur! That's the ticket to financial freedom. A job will never do it. Certainly making minimum wage -- even at $25 per hour -- isn't going to cut it anymore.
If you haven't checked out the most incredible investing opportunity yet, CLICK HERE. I shot a quick 8-minute video to explain everything to you.
Listen, things are changing fast. Consumer debt is in the trillions now...the highest it's ever been. The housing marketing is cooling off and actually crashing in some areas of the country. Things are shifting quick.
What do you plan on doing to stay ahead of these changes? Or are you going to "watch and wait" and then probably get sucked up in the undertow, drowning in economic disaster, as the tsunami sweeps you away?
You have more control than you think but ONLY if you act fast and ACT NOW.
The other day I had it out with my daughter's English teacher.
She said that Brie (my daughter) plagiarized someone else's work.
At 5%.
5%?
I told her that it was ridiculous that she'd state that 5% of my daughter's very short essay was plagiarized.
After all, by simply saying THIS in a paper, the dumb wench would say I plagiarized someone else's work:
"In conclusion, it's my opinion that..."
Or...
"I believe the author meant that..."
Yes, her "plagiarism" came down to 5 words. The words I used above EXCEEDED the amount of words my daughter supposedly "plagiarized" in her essay.
How many papers would inadvertently use the words I put in those two sentences above? Did you know that's it's considered "plagiarism" by these dense-headed "educators" if their bogus plagiarism software claim you "stole" someone's work by using EITHER of the partial sentences above?
Even worse, this dumb hag was too lazy to check out what was supposedly plagiarized. Instead, she lazily let A.I. "grade" Brie's paper then gave her a big fat ZERO for the 5% "plagiarism" without even looking at how or why the system claimed she plagiarized someone else's work. Any normal person would have looked, then figured out that it was either a citation (which it was) or a general generic sentence (like the ones I wrote above).
It's absolutely insane how lazy, inept, and stupid these "teachers" really are.
Can you imagine if a copyright attorney went after every romance author out there for "plagiarizing" the words "I love you so much" in ANY romance novel based on a lawsuit filed by some older-than-dirt author from 50 years ago?
Yet, according to my daughter's boneheaded English teacher, using the words "I love you so much" would be considered plagiarism...according to her bullsh** A.I. software.
Stupid wench.
If it can't possibly be prosecuted in a court of law then, guess what? It's NOT plagiarism.
But I think what's really bothering me is that these supposed "educators" are putting up PERMANENT GRADES which can, in turn, affect them for the rest of their lives...and they're not even all that educated themselves.
Worse than that...
If these are the people teaching our kids, what will the future look like 5 and 10 years from now?
I tell my daughter all the time: it's best to NOT KNOW the answer than to know the WRONG answer.
During a quiz (in English, of course), one of the questions she had was this:
True or false: An antagonist helps provide a solution in the story.
My daughter asked me what I thought. I told her to refer back to Dora the Explorer. Swiper. He's a fox in the cartoon series. All he does is try to screw everything up for everybody. He steals stuff. He's always tricking people. He's the antagonist. He is definitely NOT interested in helping provide a SOLUTION in the story.
So, my daughter answers the question. FALSE.
And she f****** got it wrong!
What?
Remember, I have an M.F.A. in creative writing. So, if anyone knows all about protagonists and antagonists in a story, it would be me.
I just about lost it at that point and surmised the following: it would be better for my daughter to get NO education than to learn all the WRONG answers.
It's better to educate someone with a clean slate or empty head, than to spend years UN-LEARNING someone from bad answers, bad education, and bad "facts."
So, now I have to figure out what I'm going to do. Tomorrow I go to battle with the principle. "Dr." Somebody-or-Another. Another POS that earned a bogus Ph.D. with no real life experience, no brain cells, and no concept of the real world. This should be fun.
In the meantime, my daughter told me something that I'm proud of. She reads an entire book every 3 days. She told me, "I'm doing this to replace my English curriculum."
Good job, kid. You'll learn more by polishing your reading skills than anything you'll ever learn from that douche-tard school you're in.
Which brings me to you.
How much do YOU need to "un" learn from the "bad" education you've gotten over the course of your lifetime?
And would you give me an opportunity to do a "clean slate" training for you?
The training starts on November 1st. It's only 2 days long. And it'll cost you only $7. The cost of a Starbucks coffee. Just to show me you're serious. (I'm trying to keep all the flaky tire-kickers out and I figure $7 will do it.)
CLICK HERE to find out more about this training and to register right now.
Listen, you may have not had a choice in how you were educated when you were younger. But you have a choice right now. And only YOU get to choose what goes in your brain from this point forward.
When my daughter was set to start her new high school here in Florida, we had to have all of her shot records "transferred" to some other format. Apparently her California shot card wasn't good enough for the new school.
So, we went to this local yocal county services building "in town," as they say in these here parts. And we sat and waited...and waited.
As we were sitting in the waiting area, I saw this 30-something year old "kid" that was a spitting image of a scrappy kid I had met in the mid-80s at the Bay County Library in Panama City.
Flashback to 1985 when we moved to Panama City for the second time (the first time was in 1983) from Chicago after living with my grandparents for more than a year.
My brother and I were in the Bay County Library in Panama City when I noticed this scrawny-looking kid circling through the book shelves, kind of exuding shy stalking-like behavior, picking up books here and there and pretending as if he was interested in reading. It was clear what he was doing. He was following me.
Imagine Tom Petty as a scrawny scrappy middle-schooler except skinnier, with more pronounced buck teeth, dirty, and without the hat.
THAT is what this kid looked like.
He was trying to hold a book with one hand and holding up his too-big britches with the other, pinching at least 6 inches of cloth at the waist and clearly in need of a rope belt or something.
This would be my first introduction of what a true "hillbilly" looked like. (Is that politically incorrect? Oh well. Who cares?!)
Anyway, I felt him clearly following me around so I purposefully dodged him from one bookshelf to the next.
Just when I thought I lost him, this plump shorter girl popped up from nowhere and asked me a question: "Hal wants to know if you'd go with him." All said with the thickest southern accent you could imagine.
Who the f*** is Hal? I assumed it was the creepoid who was following me.
"Go where?" I asked her.
Evidently, in the south, they would say, "Will you go with me?" Redneck definition: will you go steady with me? Except the question was missing the most relevant keyword in the sentence.
However, at that time I had no idea what this Frick and Frack wanted because it sounded ridiculous to me. So, I said, "No." And then, "I gotta go." And I quickly left.
When I started the 6th grade shortly thereafter, I saw this lanky skinny kid here and there. Thankfully all his classes were on the opposite side of the campus so I almost never saw him after that brief exchange in the library.
But strangely, over the years, I often wondered what happened to him. I'm not sure why him in particular. Maybe because he was so freaking pitiful, ugly, and poor. And during my life in California (starting in October 1987), I cultivated a completely different mindset -- a wealth mindset -- which every so often prompted me to think about people on the "other side of the tracks." And no one could be more of a poster boy of poverty than that kid I saw in the library that day.
So, when I knew I was moving back to the Panama City area, I thought... "I wonder if I'll bump into that guy again. I wonder what ever became of him." I imagined that he'd be living in a trailer, probably just as skinny as he ever was (due to not eating much or being a meth addict...or both), smoking two packs of cigarettes a day, and likely on welfare. I had hoped better for him. I had hoped that maybe he would have gotten a "wake up call" by a teacher in school perhaps or was dragged to a Tony Robbins seminar. And maybe he started some kind of highly successful roofing company or something. But I doubted it somehow.
Fast forward to 2023. My daughter and I are sitting in this county services building lobby and I'm watching this kid -- a spitting image of the impoverished hillbilly kid from the library -- walk past us. He was bitching at his mom as he was walking away from her and then exited out the door, pissed off. Incredibly disrespectful. This 30-something kid was wearing top-of-the-line designer brand clothes and shoes, holding a top-shelf iPhone model in his hand. There is no way this kid could NOT be the spawn of the dude stalking me in the library in 1985. No way. There's no possible way two people could look exactly the same...like...that...hillbilly kid.
It was his son, no doubt.
I looked toward what I assumed was...his grandma? I didn't know at first. It was an obese woman sitting in a seat sucking off an oxygen mask. As I looked more closely at her, I realized that this was likely NOT his grandma but probably his mom.
The pudgy girl from the library.
The one who asked if I'd "go" with Hal.
That was her.
She was MY AGE. And yet she easily looked at least 20 years older than me. AT LEAST. And there she was...obese, sucking on oxygen, looking like death-warmed-over, and getting yelled at by her self-entitled Millennial kid who spent all his money on designer brands while standing in an office that also served as the welfare department as well. They were probably there for food stamps or something. Yuck.
Then it hit me...
Holy sh**.
What would have happened if I would have said YES to her ridiculous question in the library that day? Would THAT kid be MY kid?
I shuddered at the thought and wanted to throw up. (I will tell you this: if he talked to ME that way, I would have punched him into next week.)
Those are the questions you have to ask yourself when you make one small decision at any point in your life. Many times, without you realizing it, you've dodged the bullet.
And many times, unfortunately, because of one poor decision, you have NOT dodged the bullet.
Have you ever thought about that ONE DECISION you could have made that would have made all the difference, good or bad?
I have one for you right now. That ONE DECISION that can make a huge difference...or not...and something you'll be kicking yourself later over if you DON'T do this.
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Too bad "Hal" didn't read any of those books in that library. Especially about business-building and investing. He and his spawn would be much further along in life.
What a difference a generation makes...for ONE DECISION. One FOOLISH decision. Don't be like Hal.
CLICK HERE right now to find out what I'm talking about.
Warren Buffett recently -- and rather factually and nonchalantly -- stated that most people wouldn't make it (financially) to 2025.
He's right.
At first I thought he meant that most people wouldn't make it IN 2025. Turns out I misunderstood. Most people won't make it TO 2025.
Meaning that they'll financially "fall off" sometime between now and the end of 2024.
That really sucks.
The market is starting to crumble in certain areas of the country.
As you know, I moved clear across the country from inventory-tight overpriced Southern California to overabundant-inventory price-dropping Panama City Beach, Florida.
It is a MAJOR DIFFERENCE in real estate economies, even despite the sheer and concerning numbers of people still making their mass exit from the state of California.
This means several things:
1) People stopped "house swapping" meaning that they would sell their house for something bigger, better, or somewhere else due to the high interest rates.
2) People realized that they CANNOT AFFORD the much higher-priced house and decided to stop feeding into the housing frenzy.
3) People are feeling the pinch in more ways than one...higher cost of groceries, prescriptions, utilities, gas, services, products...ALL of it.
And when you notice that people are tapering off on purchasing food from the grocery store -- a BASIC necessity in life -- you know that we're on the threshold of a major market collapse.
Happening to a city near you.
So, what do you do about it? Do you sit around, staring at the news all day, wishing things were different?
Or do you grab the world by the balls and do something about it?
(I'll opt for the latter.)
What if I told you that -- especially since the real estate market is cooling off and prices are dropping -- you can not only get a great deal on some smaller properties, but you can make 10 TIMES the amount of money you'd make on a traditional rental unit?
Would you be interested?
If you haven't watched my video that I shot for you last week, it's time you drop everything you're doing and watch it right now. It's a super short video but it'll show you everything you need to know to see just how powerful and profitable this New Real Estate Opportunity truly is. CLICK HERE to watch the video right now.
Your entire financial future rides on you watching this video. Today.
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It's oversaturated. Every Tom, Dick, and Harry is trying to get into the business now. And you know what they say...by the time the shoeshine boy knows about it, it's time to get out of the investment.
Many cities and counties are BANNING short-term rentals.
The economy is cracking...and people are scaling back on traveling. (Traveling and entertainment are the FIRST to go when the economy begins to collapse. Next on the chopping block: CAR SALES.)
I just did a short YouTube video on it (CLICK HERE to watch it) that describes what you should do with your Airbnb properties if you have any right now. I suggest you watch it so you can understand how you can pivot OUT of the Airbnb space and into something more profitable and sustainable.
But for the rest of you...those who aren't invested in Airbnb short-term rentals right now, I want you to quietly smile to yourself and think, Damn...thank God I dodged THAT bullet.
And that brings me to "what's next."
Even better...something that MOST investors DON'T know about yet.
Even better than that...something MOST PEOPLE (including serious real estate investors) will NEVER know about.
And even better THAN THAT...a real estate opportunity that will give me 10 TIMES MORE than what you and I can dream of making on a regular traditional rental.
And even BETTER THAN THAT...an opportunity you can take advantage of even if you DON'T OWN the property.
THAT is what I call the ULTIMATE real estate investing opportunity.
And after investing since 1995, I can tell you without a shred of doubt, that what I am bringing to you next is the BEST of the BEST opportunities in real estate.
THIS is the opportunity that brought my interest in real estate investing "back from the dead." Yes, I'm THAT excited about it.
I shot a quick video for you to tell you all about what this opportunity in real estate is...and why it's a game changer like none other that I've ever seen, and one that I'll likely NEVER see for the rest of my life.
P.S. It's that time of year to do the Holiday Blitz to increase your FICO credit score. I've laid out the exact instructions on how to do this in my recent YouTube video upload. CLICK HERE to watch it now. You'll also be able to access my credit bureau letter templates without paying a dime for them. CLICK HERE NOW.
And I think many of you know that I've gotten bored, fed up, and sick of real estate investing over the past several years. Many of you have been with me during that journey. And I was set to throw in the towel for good.
Except something happened.
A couple of years ago, the Airbnb properties my partner (Andrew Shaw) and I were investing in...it was going really great. For about two years. So, from around 2019 through 2021...it was like riding greased lightning. Everything was fantastic. People were traveling, renting Airbnb units left and right, and things were great.
Until last year...early last year to be exact...I started to notice "cracks" in our Airbnb plan.
Andrew didn't see it. I don't think he cared, between you and I. Money was coming in. There was no alarm bells going off as far as he was concerned.
But for me? I knew something was "off" because of several things that started coming to the surface:
1) Certain cities where we were invested started banning short-term rentals.
2) Vacation dollars weren't as abundance as before when all easy-to-get money began drying up.
3) Everybody and their mom started investing in Airbnb properties, making the market oversaturated nearly overnight.
I kept telling Andrew, "Hey, we need to pivot. Like yesterday!"
He didn't believe me. But then he told me something pretty fantastic after that. He said, "I have an investing buddy of mine that does this unique kind of real estate investing with single-family homes and small apartment houses. It's transitional housing. Very few investors know about this yet."
Of course, I had no freakin' clue what he was talking about but I was definitely interested because he had to do something to change our course, otherwise we'd risk losing all of our properties. I was even more interested knowing that very few investors knew this new strategy. (No more competing in the oversaturated "red ocean" of Airbnb properties anymore.)
After sitting me down to explain how it all worked, I had gotten soooo excited about this way of real estate investing, I decided to shift and pivot my entire real estate investing empire in this new direction.
But I think what's most important about this real estate investing strategy -- not only can you make 10 times what you'd make with a regular rental -- you'll be helping people at the most desperate times of their lives.
And that's how you make change on a larger scale. You help people. Thousands of people. All the while, making money too that you can then, in turn, use to help more people (if you so choose).
And THIS is why I'm soooo pumped up and excited about this BRAND NEW real estate investing opportunity. It's because you can make 10 times on every property AND you'll be helping people get their lives together.
P.S. It's that time of year again to boost your personal credit score by 200 points or more during my famous "Holiday Blitz." I posted a YouTube video and, in only 15 minutes, I'll show you EXACTLY how to boost your FICO in a handful of easy-to-do steps. I even outline exactly when to mail your letters to the credit bureaus. CLICK HERE to watch that YouTube video now. I'll even give you my credit bureau letter templates. CLICK HERE NOW.
What if I told you that you could make $26K per month in real estate...
And you didn't even have to own a property?
Would you believe me?
And no, I'm not talking about renting houses to turn them into Airbnb properties.
Hate to tell you...but the Airbnb ship has sailed. And sunk. (Sorry. Too late for that opportunity.)
But there is another opportunity in real estate that I'm guessing you've never heard of before.
CLICK HERE to watch a short video where I tell you all about it.
Listen, the economy is starting to crack. And we're not talking about hairline cracks either.
We're talking end-of-the-world apocalypse kinds of cracks.
And while the world is going to hell, while we slip into another possible 2008 crash, and while people are scraping together pennies to go grocery shopping...
YOU can be profiting like gangbusters with this unique little-known real estate opportunity.
P.S. It's that time of year to focus on your credit again. Yes, it's time for the Holiday Blitz. For those of you who don't have a mid-FICO credit score of at least 720 or higher then you MUST participate in the Holiday Blitz. I'm giving you PLENTY of time to prepare. CLICK HERE to watch the YouTube video I just posted which will give you exact instructions on what to do. CREDIT IS KING. Start fixing it now so that you can take advantage of all the opportunities in 2024. (If you have sucky credit, you're screwed. Start fixing it now by CLICKING HERE.)
