I had a low score too. I’m interested in improving my situation but I know that based on my current situation the only way to get wealthy is to find positively geared property that come with a rental guarantee. And it is impossible to find a property that is positively geared unless you have lots of existing equity or huge cash outlay. In my case I don’t have either. What I do have is 2 highly leveraged properties and an income fully reliant on personal exertion. I’m just tired of attending seminars and courses which provide you with valuable insights that I have never been able to apply into my personal situation. I have read Steve's book and although it did provide a lot of valuable information, it hasn’t drastically improved my situation. All property gurus are big advocates of taking action however action can only be taken if there is a clear concise path. I’m not prepared to take a huge amount of risk if I do not see a definite benefit.