Donald B is a smalltime real estate investor who did very well from time to time. When doing well, he always found a way to spend the profits. As a result, he always has to use other people’s money for every dollar he puts into an investment. This practice makes his project risky. Therefore, he must use high interest loans which cuts into his profit. As a result, he is always struggling even though he is hard working and really knows his craft in the business.