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If I can buy a house, buy a brand new truck, start a new business while working a day job that pulls in only 30k per year, and eliminate 50k in just two short years, then anyone can learn my methods to pay down debt and increase your credit and win simply by living within your means. I have no sympathy for star althletes who get rich and live lavishly in splendor for a short period of time, and then end up broke. Their financial planners are immoral leaches and vampires who suck their life blood. Those poor souls need Christan financial planners who would actually aim to help them save money for start up businesses after their sport career, and not aim to profit off them. Because success is measured in terms of contributions one makes on his or her fellow human beings.