beats/brags

[fybpm]

So the last year of my life has been crazy... 24 years old, made good money last 2 years, bought 5 houses last year, market took a dump...

beat: lost $240,000 CASH last year on money i put as down payments to 5 homes

beat: credit score dropped from 760 to 510

beat: spent $9,000 a month for 18 months trying to keep up on mortgage payments with no renters and a falling market

beat: racked up $65,000 in credit card debt because all of my liquid cash was used for mortgage payments

brag: just bought a new house in central CA for only $70,000 (got $25k into it for repairs) and i'm going to sell it within the next 90 days for ~$175,000

brag/beat: F U credit card companies, i got approved for bankruptcy so my home sale profit will actually get to be in hand instead of to these creditors.

I'll actually have some money to play with and have an actual bankroll instead of just depositing when I can and playing above my BR and going busto every 2 weeks.

Things are looking on the up & up very soon...