As far as where to go from here, just consume as much as you can.

If I were in your shoes, I would sit down and see where every penny of your income is going, study the debt snowball and get my consumer debt down and keep track of my credit score once it’s fixed.

I know it’s a process and time consuming indeed !

Licensure is way more than worth it and you will gain so much knowledge by studying for those exams...they arent easy though and are time-consuming.

Would definitely recommend The Self-Directed IRA Handbook by @Mat Sorensen.

In the meantime, I would pay off all of my consumer debt and reduce expenses as much as possible so that when you retire, your money will go further.

That will be time consuming and even more work if segregated into one account and then having to divide up the interest received.I would use a standard lease--possibly one adapted by your state association.

AirBNB provides a much better product to the end consumer because of their inherent vested interest.

All they did was open a couple consumer credit cards in my name and tell me to get cash off the.

Steve, I'd love to hear moreI admire @Andrew Wong method, but for some, it could be risky and time consuming.