When I was just starting my journey, I had $30,000 in debt to pay off. That’s a tough way to start a new life. To gain financial independence, I had to focus on long-term solutions beyond clipping coupons. I learned how to earn more and save more, how to manage income and start investing. Most importantly, I gained the self-confidence to enter the world of real estate investment, which is something I never would have dreamed possible in those dark early years.