A decade ago, J.D. Roth had over $35,000 in consumer debt—credit-card balances, personal loans, a car payment—and was living paycheque to paycheque on an average, middle-class salary. He spent every penny he earned and had no savings.
Today, he’s debt-free and has more than a million dollars in the bank.
The change didn’t come about by magic
He didn’t learn how to turn straw into gold, and the process of changing his life didn’t happen right away.
Instead, he learned the time-tested principles of putting his money to work.
What he learned surprised him: getting out of debt and building wealth wasn’t just about pinching pennies. He focused on reducing expenses and increasing income. For the first time in his life, he began to accumulate savings and invest wisely.
