I’ve got an answer that works.

 I was $50,000 in debt…

Things were looking bleak and I felt all my education, my honesty, my trust in other people had failed me, I lost all faith in myself.

It seemed like Bankruptcy was the only option as I was making less than $30,000 per year.

My dream was to come to America. America was bigger than life for me. I wanted everything that America represented, the opportunity, freedom and prosperity. I knew education was important for me and I enrolled in an MBA program, and at this time I sold the only possession of substance I had, my motorcycle to get the money for a one-way ticket to America.

When I arrived in New York, all I had was $20 in my pocket and a dream.

In 1989, I received my MBA degree and had a dream. A dream to be successful, to own a Mercedes Benz, to have a lot of money, to wear nice clothes, eat at nice places, but by 1992, 3 years after getting my degree I had nothing, nothing to show for and I was leading a life of quiet desperation.

At this time, me and my brother Mike met Larry who was a wealthy and successful businessman.

As we got to know him better, we were really impressed by his Half a Million-dollar mansion in Long Island, his Mercedes Benz, Jaguar, Cadillac and he had so much more than we had ever seen.

He was literally living my dream. Larry said he saw potential in us and he asked us to invest $10,000 with him to open up a business partnership where we could make over $100,000 a year and be rich like him. Now as I was seeing my dreams begin to come true to get rich quickly, I borrowed $10,000 on my personal credit cards and handed over the cash to him for a partnership in a Ladies Dress business, the concept was to sell overruns of expensive dresses for cheap.

We opened our first store in NYC, Mike and I worked hard, but within six months found it was not doing much business.

We had gone far and deep to back out of it and had to put more money as Larry was very convincing. We closed the store in New York City, then moved to Queens, where the rent was cheaper, and then to Long Island until we were finally reduced to Flea Markets, and nothing worked.

My dream became a nightmare. We poured more money into the business, all from credit cards but the business kept failing.

By chance we met a person who had past dealings with Larry, we found that Larry had filed for bankruptcy before he met us, his big house and those fancy cars, well they were being repossessed by the bank. This was not just a case of misrepresentation but a case of fraud.

Mike and I went through a huge shock and a reality check as we closed the business.

I went to my accountant who advised me to file for bankruptcy as he saw no other option to pay back the $50,000 debt I had accumulated.

So now dejected and afraid, on my way back from his office, I stopped at Borders book store and found this small book which revealed to me the Laws of Money. At that moment I realized where I had gone wrong. I knew in that moment I needed to take full responsibility for my actions.

This was the defining moment in my life. It shaped the next chapter of my life.

I decided not to file for bankruptcy and to pay off all the debt even if it would take me the rest of my life.

Over the next few years, I studied all the books on money and wealth that I could lay my hands on and I used all of my skills and years of experience and created and developed my own method to apply the so called secrets, I created a system of setting and achieving goals, a process to set budgets that work, a system to track my monies and my progress.

By working really hard by having multiple jobs, keeping a laser like focus and discipline and dedication, you all know there is no free ride, there is no get Rich Quick scheme.

In about 3 years’ time I was able to pay off all the debt and be free.

This was another one of those turning point moments in my life.

Now over years, I have read hundreds of books on money & wealth. I have made it my life study. As I am an accountant and have a background with an MBA, I had thought I knew everything that was taught in school and college to be successful and wealthy. However, the educational system does not train you for the real life lessons that money requires us to master.

This is why I created my system.

Over the years since I have owned many businesses and I have used these principles and my system to make money, manage money, and have multiple businesses, one of which generated over a million dollars while I had my job.

I have what I dreamed of now, I have a wonderful home near Washington DC, I have a Mercedes Benz S550 among other cars, all types of electronics that I like, over seven-figure net worth, my brother Mike now drives a Maserati, has a Mercedes, Infinity, all by practicing and applying the system I created from my years of study and experience.

I am now doing what I want to do not what I have to do. I am now a published author and have airtime on a radio show,  I am coaching high net worth individuals on money mindset, business growth. Consulting with organizations and there is so much more. Let’s say doing what I love. 

My friends, money is such a critical part of your life and with just a little bit of knowledge and a proven process and system of understanding it, it can change everything in your life.

See the moral of the story is that I learned the hard way that there are no shortcuts in life. Smart work, filtered through a proven system is the key to success.

Using my unique system which is for people who were like me, not having the beliefs or awareness and who do not understand the laws of money and then by successfully applying the principles through the system I developed, I have been able to build a life where I live on my terms.

See, what took me years to understand and apply to make them work in my life, you don’t have to take years to have it start working in your life, as I am offering you a proven system and coaching, whether your goals are to make some extra money, to save money, to grow your money or protect the money you have, my system reveals all the aspects of all these four critical components. See, I believe you need to think about all four of them at the same time.