“We almost went bankrupt,” he said. “We lost almost $350,000.” To date, Mr. Napoleon has been able to replenish only a fraction of the savings he poured into the business, dealing a major setback to his long-term plan to buy property and create a stream of rental income.“I’ve always made it my goal to be financially free,” Mr. Napoleon said. “My family is dirt poor,” he said. “Luck is what provides their stability.” It was frustrating now, he said, to realize that his credit score had sunk under the weight of the debt he accrued when his cash flow …
