Flame

because you did not get approved for this one because of your debt to credit is too high.

And I'm like, what is that?

What is that even doing, right?

So when I found out it's the debt to credit, I got to figure out in my head, I'm like, so what does that even mean, right?

And then somebody explains it to you.

It's because...

You got so much outstanding debt left, even though that you make a certain amount of money, we don't like it because you're over a certain percentage mark.

We want your percentage mark to be under this in order for you to get that.

So now I'm like, okay.

Got to prove more income.

Got to prove more income.

Then it started hitting me.

As I'm doing this stuff.

I'm going over and over and now I'm going to the bank and now I'm saying, hey, well, I want to get a $10,000 loan or a $5,000 loan.

And I'm thinking about, man, if I'm doing this credit stuff, I just do it myself or whatever like that on me, my personal.

They're telling me as I'm doing this stuff, I remember this day vividly.

This is one of the days I always talk about that changed my life forever.

And that was when I went to that bank that day and that lady said, she says, the underwriter is not in today.

I said, so what's going on?

She said that the underwriter is at a conference.