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Craig, I am so excited for your success and I can vouch for your character, and the knowledge you guided me with that it really works. You gave me a plan, I stuck to it and now I have a great credit score, credit cards, but no credit debt, and my very first home. These things were not even a possibility in my mind just 2 years ago and now I am looking to build my wealth through investments, thanks for your help, I really appreciate the knowledge you shared.