STEPS FOR GROWTH...INCREASE MENTAL TOUGHNESS!

1. INCREASE MENTAL TOUGHNESS AND STAY HEALTHY BY DISCIPLINED STUDY, WORK AND EXERCISE !!!
2. DISREGARD ANY NEGATIVE PUBLIC OPINION !!!
3. Take challenge and change as inevitable!!!(YOU MUST PAY THE CONSEQUENCES OF FILING CHAPTER 7 ON TRACY PROPERTY, APROX 5 YEARS OF BAD CREDIT)
4. Talk to Mom and Terry for personal advise
5. Launch SPEEDPOINT/ CISCO ENGINEER with earnings between 65k to 150K
6. Carmen back to job market as Cisco Engineer at between 65K and 85K for the next 5 years.
7. Pay 2000 per Month Rent Max (Tracy, Bay area,or San Diego)
8. Increase Savings by 50k
9. Rebuild Credit/ 5 years(2015) since BK and credit scores mid 70's
10. Purchase Condo in SF/Bay Area or SD Area
11. Continue to invest money in Condos in SF Bay area/SD area (Total 3 + Guadalajara)
12. Retire in 15 years.
13. Travel and take photographs.