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I crossed zero net worth at age 25

I hope I can accomplish the same thing.

This was the harderst part, getting to zero net worth. I started deep in debt at 23 due to me and my DW's student loans. I started with my DW loans since they were from overseas, then moved on to car loans, all the while aggresively working to increase my salary. Doubling my salary in my first 4 years has been the key to my success so far.

Are you satisfied that you are using that time wisely?

Interesting question. As I personally struggle with this one.

I worked quite hard those first few years in order to acheive my salary goals. Now I have reached a level where harder work won't get me much more gain in my career, so I have spent more of my spare time with sweat equity. I spend quite a bit of time on home projects that will directly yield profit at the time of sale. I worked very hard during 2002 to bring my LTV from 100% down to 81%, so I could acheive better financing and ultimately more net worth.

Here is that story, for anyone interested...

But we still spend alot of time doing recreational activities. And sometimes I lack motivation to continue on with my (non career) revenue generating activities.

For example I pretty much took January off, after a 3 week Christmas vacation overseas. Then in February, I just finished my grass seeding project for my backyard.

I seem to work in cycles, which is why I don't think I could run a business well.


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