When he turned 15, changes started to take place, based on decisions Ross was making. He was hanging out with the wrong bunch. His dad made the tough decision to send him back to Houston to live with his uncle. These were the early days of gang violence.

After a year Ross moved back to Chicago, where he finished high school. He found a fast-food job, moved into retail tool sales and then into sales of cell phones. Doors were opening. But Ross felt that there was something more to his life than working hard. He was searching for himself.
Waiting at a bus stop, an idea came to Ross. He remembered words of advice, “Go to school. Get a degree.”

Ross wanted to go to college, but met with failure when he discovered his math skills didn’t make the cut. He studied hard to improve his math. He was admitted to college, and earned a degree in finance. 

Then his life took a sudden detour. 

Driving drunk, Ross caused a serious car accident. He was sentenced to four months in a disciplinary boot camp, which changed his perspective. Ross started reading Napoleon Hill’s Think and Grow Rich. Hill taught about having a burning desire, a goal, and that money was just a form of energy. When his four months at boot camp were finished he was looking for a way to make money.

His friend told him about his job at the bank, writing mortgages. So Ross started working in a bank, too, writing mortgages. Making money. Hill had said to find something you’re good at and get better at it. Ross was good at restructuring mortgages, and got better. And made more money. 
And helped people keep their homes. Hill had written about being on the right side. Ross was there.

Ross studied Napoleon Hill daily. He learned about writing down your goal. Ross wrote down his goal, to make $1.75 million within 5 years. He had no idea how he would do that. But it started him thinking.