This is Vince, a 42-year-old writer who hopes to someday be the author of a great novel. After a period of unemployment, he lost his apartment and now rents a room in his sister’s home. Vince hopes to pursue his writing career and currently works as a bartender on weekends. He has racked up a sizable amount of credit card debt and hopes to move out of his sister’s home soon. He has decided to commit to building wealth the old-fashioned way, through budgeting to save, saving and investing, and building his credit.