I received an email quite a few months ago. It was from a teenager who was wondering what it would take to become a home-buyer. I sent a reply ... it took just a few minutes. It could have been titled "Baby Steps to Home Ownership." It was what she requested. The first step involved building credit.

She thanked me, saying mine was the only reply. I put her information into my calendar and checked up with her every once in a while.

To my surprise she had actually followed my advice.

Today I received a referral from a referral that was a referral from one of her referrals.

Confusing?

She's living in her home... a home she owns. Everyone she meets gets to hear about me. Even the friend of the friend of the friend of the friend.

I've told her she should be in the publicity business. Her enthusiasm is unstoppable. I asked her where she gets the positive outlook.

She said, "one day it clicked."

"annnnnnnnnd?" I replied. (yes... I have to know the rest of the story.)

She said, "It's not earth shattering. I just realized my life is up to me. I was tired of standing on the fence and watching everyone else make the first move. I decided I'd be the first of my friends to get a solid job... the first to buy a home. Then I decided it didn't matter to be first... it just mattered to do the things I wanted to do. And... sooner the better."

It has clicked with me also. In this market she's the brightly burning bulb. I decided to flip the switch as well.

For anyone who has a laundry list of reasons why things shouldn't work I offer this. It's working for someone.

I know- because I've seen it.

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When did it Click for you?

I want to hear your story.