Great advice Randy. The only thing I am beginning to question is about building available credit.

I see where you are coming from and as a real estate investor in a past life, see where it was vital. I never could have purchased real estate without it. But I'm also finding the cost of "building credit", at least in the traditional ways, is too high.

In too many ways it requires selling your soul to the central banks, and a time is coming where that soul you sold could be completely devoured by them.

I see a future where credit can be built on blockchain technology and outside of the regulated banking system. In fact, that is already happening with alternative funding sources.

So maybe instead of building credit, we should focus on building credibility. That way we can use those other funding sources to fund our our ideas, without selling out to the enemy :-).