I was 15 when I started my local newspaper ad for fixing computers, I used my bicycle to move around and I had all my CDs in a backpack. I worked through high school and because I was doing very good I graduated earlier. I went to a community college(big mistake) and because I worked plus I moved on to fixing cellphones which made me more money I didn't have any loans, I actually saved a lot during that time. I got out of school after I turned 20 (I only did 2 of computer networking) and started my own cellphone repair shop just before my 21st birthday, 18 months later I paid cash for my first NSX. It was a lightly modified 2003 Silverstone with 36k miles. I never had a single credit card and I never financed any of my cars, I always waited untill I can pay for things in full.