Step 1. Fix your credit - A very important number you'll ever have is a credit score. The best credit score number across each three bureaus (Equifax, Transunion, and Experian) is 850. You can check what your credit score is for free here: http://www.creditkarma.com. If you have good credit can get you alot of things like a house, apartment room, car, credit card or a loan. Now there's a way where you can remove a negative item off of your credit report and it's called the section 609 dispute letter. Here is where you can get the section 609 dispute letter, download, edit, print, and send the letters to each bureau: https://www.badcredit.org/how-to/609-letter/ P.S.: You can also buy tradelines to put on your credit score to improve the score 100 points or more!
Step 2. Get Approved For A Loan - Once you improved your credit score (About 700 or better) next get a loan to invest into a business or investments (It must be guaranteed). Some places you can get a personal or business loan with no credit check, no employment check, no job check, no income check, no docs required, or stated income. Depending on the size of the business or investment (Must be guaranteed) you may want to get a loan from a $100,000-$5,000,000.
Step 3. Invest - Next it's time to invest into a business or investment (Guaranteed like an annuity). Once you do that and start earning monthly passive income you can then retire rich and wealthy!