Here's what the journey ahead looks like: Step 1: Become financially literate and understand the power of credit Step 2: Get your first credit card Step 3: Use your credit card correctly Step 4: Get your first Amex Step 5: Do manufactured spend Step 6: Get your first free business class flight Step 7: First £10,000+ credit line Step 8: Start credit arbitrage Step 9: Make your first bit of money Step 10: Scale your arbitrage Step 11: £10,000/month Step 12: financial and travel freedom A note about habits: Reaching all twelve steps is possible, but it's a long road ahead. If you're only here for quick money and a fast solution when faced with an obstacle , then you probably won't make it. In the beginning, you won't get those things. So you'll quit. The solution is to fall in love with credit. To create high credit lines for motivation. Because you enjoy it. And just the process of building credit helps you. A note about $10,000/month: It is possible to earn much more than this through Credit arbitrage, but this is roughly the point where your happiness stops increasing as you earn more. Final notes: This roadmap is definitely not final. If you see any problems with it, comment below. If you can think of anything you think should be added, comment below.