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"The biggest penalty for not understanding how the credit game works, is being stuck using your own cash. When your cash runs out, your progress halts for whatever you were working towards. When your progress halts, it then takes longer to achieve your dreams. When your dreams take longer, you become unmotivated. When you're unmotivated, it's harder to start back up. And when it's hard to start back up, you eventually settle for a crappy life." - Valejo Johnson Credit is not the boogey man, nor is it anything to fear. Credit is a tool to help you maximize your own cash, while leveraging the banks money and reward system for your everyday spending. This book outlines the basics of credit, getting started or rebuilding, and attaining and managing both personal and business credit.

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