 How's your credit? Bad. Why is your credit bad? And why do you have no money if you've had a job? Well, because I want more than I can afford to pay. And so I buy stuff on credit that I don't pay it back. I spend every penny I make because I'm living above my means. Now, they won't tell you that. That's just facts behind where they're at. And so the bottom line comes down to the job is the first step to financial freedom.