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Now meet John. John is in his or her 40’s and in upper management with his or her company. He’s making just above double Bob’s salary, but he’s were different outlook on life. John never been petrified of debt – he figured as long as he could afford fork out the bill he was ok. He’s a great house, a product new $40,000 car, a lot of new sports and recreation equipment, and travels extensively on his vacations. And he’s ever done it all on credit. John was living this lifestyle before he could afford keep in mind this. Now, he’s almost tapped out – his credit cards are maxed out, his house is double mortgaged, and even though he’s creating a great income, he has lacks the lifestyle, peace of mind, freedom, and opportunity Bob has.

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