I wasn't shouting, but I should have, the message is very very important
IN 2013, I WAS DEEP IN DEBT, OVER $30,000 IN CREDIT CARDS, SOMETIMES I WAS LATE IN MY RENT, SOMETIMES I WAS LATE IN CREDIT CARD PAYMENTS, SOMETIMES I WAS LATE IN CAR PAYMENTS
AT TIMES I HAD TO USE PAYDAY LOANS, AND EVERY...