Ten people. One difference each.
This is where the whole course meets. Every one of them is 22, earns $60,000, and is a W-2 employee. The only thing that changes is one habit, and each habit is one of the sessions: the credit score, the card, the car, the house, the retirement account. Then we run their lives to 65 and see what that single difference was worth.
Most people get this wrong, and the reason why is the point.
| Person | Their one flaw | After year 1 | At 65 |
|---|---|---|---|
| Student Loan Stu | $90,000 of student debt | ••• | ••• |
| Credit Card Debt Chris | $10,000 on credit cards | ••• | ••• |
| Bad Credit Score Brad | Credit score under 600 | ••• | ••• |
| Car Loan Carl | $40,000 car over 72 months | ••• | ••• |
| Rental House Brent | Rents, never owns | ••• | ••• |
| No Budget Nobu | No budget at all | ••• | ••• |
| No Retirement Nolan | Starts late, contributes little | ••• | ••• |
| Start Late Nate | Starts late, contributes nothing | ••• | ••• |
| Savings Account Only Sam | Saves, but never invests | ••• | ••• |
| Above Average Aaron | Does it all right | ••• | ••• |
Make a guess above to reveal the outcomes.