Recently I had a guy from two decades ago -- a guy who was a "bad apple" ex-business partner -- contact me through Facebook.  This guy was bad news, although I didn't know it at the time.  I was barely 20-something when I met him and he seemed pretty kosher.

Except that he wasn't.  He was a legal battle waiting to happen and, as it turned out, he actually became exactly that!

So, needless to say, after our business partnership went south, I never saw him again.  This was back in the 1990s.  So, yes, it's been a REALLY long time.

I thought it was pretty freaking BALLSY of him to contact me via Facebook in light of everything he and his bad dealings had put me through back then.

But...what the hell?!  Water under the bridge, right?  (That's what they say, don't they?)  Just keep a VERY LONG arm-length's distance, is my methodology in instances like this.  Never see the guy, never talk to the guy...just see what he's up to through Facebook.  Keep it at that.

He immediately began to tell me how his life hasn't changed much since back then and went on to describe his life as being "impoverished."

Impoverished?  Well, I'll be damned.  Karma really does work!

But it wasn't so much "karma" for doing bad misdeeds (to me and many others) back then (although I'm sure it was PART of the equation in his being "impoverished")...

It was his BAD HABITS that he NEVER changed.

You see, he always had a bad credit score, never paid his bills, never paid off past (or current) debts...NO MATTER HOW MUCH MONEY HE MADE.  Yes, you read that correctly.  He made money -- and lots of it -- back then but he NEVER paid his bills!

I never understood that mentality!  I was always very good about paying everything, and EARLY on top of that!  But to vindictively not pay bills just because...you don't want to pay them?  Who THINKS like that?

Evidently HE does, that's who.  (Hopefully you don't think that way!)

So...all these years later, you can compare both of us.  Me...and him.  And it comes down to one thing:  FINANCIAL RESPONSIBILITY.

I'm rich.  He's not.  Not by a LONG SHOT.

And there's one MAJOR element as to why.  FINANCIAL RESPONSIBILITY.

I have GREAT personal credit; he STILL has crappy credit (and he's worked pretty hard to keep it this way for 20 years)!

I'm able to use OPM or Other People's Money to gain wealth.  He's not because...well, he chooses to never pay his bills or debts.

Therefore, I am wealthy; he is impoverished.

All because he has BAD CREDIT (and chooses to keep it that way)!

Yes, it pretty much comes down to that ONE THING that separates me and him.  We know the same sales and marketing skills.  We're both good at sales.  We both know real estate.

But I have money.  He DOESN'T have money.

And it's because of the BAD HABIT of his not fixing and rebuilding his credit.

Think about it:  20 years went by and he could have refurbished his credit profile FROM SCRATCH 2 times over had he filed for bankruptcy twice.  (As far as I know he didn't file for bankruptcy but he could have and STILL been able to have an 800+ FICO score by now!)

So, what does all this mean?  It means that what can separate two people with the same knowledge and set of skills comes down to one reoccurring theme and issue all the time:  CREDIT!

Credit, credit, CREDIT!  That's all it seems to come back to, right?  And there's a reason for that.  It's because our entire economy is run on credit.  So, if you don't have it together, I STRONGLY suggest that you do.  RIGHT NOW, actually!  Because otherwise you'll just keep missing opportunity after opportunity and, maybe eventually, you'll be saying that your own financial conditions are that of "impoverished" if you keep on this road of not cleaning up your credit situation.

If you do not have a mid-FICO in the 700s then you need to do something about your personal credit situation.  NOW!

And I have a way for you to do that.  But you must CLICK HERE NOW and I'll tell you all about it.

Nothing changes -- decades later even -- if you don't make necessary changes NOW.  That's just how the ball bounces.  The change begins with YOU.

And the good news is that I'm making it REALLY easy to make this happen.  CLICK HERE and I'll explain everything to you!

As far as my ex-business partner for 20 years ago, I ended up blocking him permanently from Facebook.  As they say, God sweeps people out of your life for a reason.  Why invite trouble back in, right?

But at least I know he got what he deserved.  ;-)

See you at the top!

Your mentor,

Monica Main