All Forum Posts by: Brandon Hitchins

 Thank you! You will probably be hearing from me in the future!

Thank you for the responses! After reading what you've all said I'll definitely be purchasing at least "Set for Life", and "Rich Dad Poor Dad" when payday comes around and begin reading then as soon as possible! I do listen to the podcasts on YouTube while at work, but can't always focus on what's being said so ill start over from episode one. I didn't expect to receive any replys, so I want to thank you again for telling me where to start!

Hey everyone!

I'm not sure if I should even be given the time of day. I've been one of those people that you might consider "just a talker" that most wouldn't give a second thought about. I've always lived paycheck to paycheck, and even let others care for me financially while I blew my money on food, and video games. I still to this day have the habit of wasting all of my money on fast food, energy drinks, and almost anything my children, and wife ask me for. I work 10 hours a day 4 days a week for under $20/hr. I have a credit score in the range of 550-600. I don't have a dime in savings, and less than $50 in my checking account until payday comes. I have $1,000 in medical bills that are in collections, and only a $100 line of credit that I acquired through Amazon last week! To call me financially irresponsible is putting it lightly. I'm financially illiterate, and have no knowledge of how real estate works, but it has been something I've talked about wanting to get into from time to time since an old acquaintance told me of his dream to flip foreclosed homes. 

I've recently realized my own mortality so to speak and came to the conclusion that if I don't change my habits then I will have nothing for my children to inherit when I do eventually pass away. I'm only 31, but anything could happen. I'm not sure if now is even the right time for me to join the BiggerPockets community, but I'm hoping that by doing so it will help break me of my bad financial habits and change my mindset so that I can eventually reach that financial freedom I've been hearing about. My goals sound simple. Financial Freedom, and something to leave behind for my kids to inherit when I pass away. A trip to the Bahamas once in my life sounds nice too!