Time is my best friend and worst enemy. I'm 22 years old, have zero credit, and am wandering aimlessly without a substantial life plan. But I guess with anything, it takes quite some time to build a solid foundation. I mean, in five years I could be a hip 27-year-old with an outstanding credit score that'll land me a fab apartment, awesome dog, and successful career. Everyone starts somewhere, and anything can happen.
You just have to invest the time.
