How Jeremy turned his darkest financial mistake into wholesale real estate mastery while working a strict 9-to-6
When you accidentally apply for a car loan you never meant to get, then spiral that manageable debt into $17,000 of high-interest credit card debt by making massive donations to Australian Twitch streamers at 2 AM because you're escaping the reality of failing college, you realize you've hit a rock bottom that requires desperate measures to climb out.
Jay's descent into financial hell started innocently enough - trying to make money as an Uber driver to pay for college, but prioritizing quick cash over education until he was trapped in a cycle of working just to service debt while watching his academic dreams crumble around him.
The Twitch addiction represented something deeper than gaming - it was the psychological escape of a smart kid who knew he was screwing up his life but felt powerless to stop, throwing money at streamers in Australia's timezone because at least someone appreciated his contributions even if it was bankrupting him.
When you're living in New York City making barely enough to cover rent and minimum payments on $17K of credit card debt charging 25-30% interest, discovering Rich Dad Poor Dad and then finding Roy's YouTube shorts about wholesale real estate feels like divine intervention rather than coincidence.
Jay's analytical mind immediately separated legitimate opportunity from typical guru nonsense because Roy actually shared actionable information instead of just lifestyle porn and vague promises, plus that one Reddit post praising the program provided the social proof needed to take the leap.
Working a strict 9-to-6 IT job where management monitored every Google search made wholesaling nearly impossible, forcing Jay to compress his entire business into 90 minutes between 6:30-8 PM on Mondays and Tuesdays only, which is why closing a deal on his first day calling was absolutely miraculous.
The seller was an elderly woman who couldn't hear well and screamed into the phone, owned a property she'd never seen with a son who lived there but wouldn't call Jay back, yet she accepted his first lowball offer because she understood her tax lien situation better than most wholesalers would expect.
Jay's film industry background led him to hire professional photographers through Craigslist when realtors wouldn't return his calls, proving that resourcefulness and thinking outside the box matters more than following someone else's exact playbook step-by-step.
The buyer tried to scam him with a fake $62,000 foundation repair estimate, but Jay hired his own contractor who quoted $15,000, then used that leverage to renegotiate with both the buyer and seller until he locked in his $22,500 assignment fee.
When friends said it was impossible and he'd get scammed, Jay proved them wrong with a check worth 7.5 months of his current salary, then had the wisdom to quit his soul-crushing job because he understood this business well enough to scale it full-time.
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