Down-and-out, more than a quarter million in debt after my business failed in the dot.com crash. Homeless sleeping on my brother’s floor, then later their couch. But now I have a 736-credit score, rental properties, and rebuilt my retirement.

They laughed because I was a 20-something computer consultant making $98,000.00 a year in 1996, yet lost it all by 2000. Left with more than a quarter million in debt, I paid $54,000.00 a year for five years to still owe $233,000 when I went bankrupt.

From high-flying geek stud to big fat dud! Even while helping business development clients produce more than $52,000,000.00 during the 2000 recession alone. Yet through naive deals and habits, I didn't have a dime to show for my efforts.

According to the Federal Reserve Bank of New York, 1 in 3 Americans couldn’t come up with $2,000 for an emergency. Even high-income professionals and entrepreneurs who make big bucks secretly suffer from this same problem.

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