Change the math in a way that most consumers won't comprehend, won't care of because consumers are so instant gratification. 

I like to think of it as a delayed gratification, for a bigger equity down the line.

Seek immediate gratification over long term assets and wealth.

A 7 year old misdemeanor possession charge is not a big deal, assuming everything else checks out alright.Applicant must never have plead guilty, plead no contest, received probation, deferred adjudication, court-ordered community supervision, pre-trial diversion, or a have pending charge that has not yet been resolved for a felony of any type nor for a misdemeanor involving violence or sexual misconduct (whether or not resulting in a conviction).

For those of you interested in modular check out these "set day" pictures...This is the site at 9:00 am on set day.... nothing there but foundationThis is delivery in progress..This is the end of that same day... instant gratification!

@Ikaika FarmerYou become a millionaire By making smart calculated decisions, delay gratification a little bit by investing your money so that it works for you, and not buying stupid Shi*.

Lot of people would be happier being broke than diabetic ...This is my biggest problem, I have delayed gratification for wealth down, but for food I can’t do it and my biggest fear is get diabetes like my dad

I also know people of other color, race, religion, sexual preference, republican, democrat, Muslim, Christian, gay, straight, and guess what...

Failures are probably based on unreasonable expectations as far as the timeline, we are an instant gratification culture.  

Make a policy that is identical for RACE as it is to AGE, SEXUAL PREFERENCE, LAWFUL OCCUPATION... etc.