<prompt> Human: I like reading this subreddit, but I dont seem to read it often enough to reply to threads in a timely manner. Regardless, I do enjoy a lot of the content on here for such a small community.What are your personal goals, and what goals have you recently achieved? What are some obstacles you need to overcome to achieve those goals?For me, I just achieved one, in saving and putting 10,000 into a savings account, but I hope to find something with higher returns but is still relatively liquid. I am also aiming to buy a small 2BR or 3BR house in the next 18 months. My major obstacle is my credit, as I have one charge-off on a 70 gas bill that I didnt pay when I moved forgot to give the post office my forwarding address, and from credit companies closing my 3 of my credit card accounts due to inactivity. Never had any debt, just a 0 balance for too long, which I highly regret.For now, its going to be an uphill battle raising my credit score from the low 600s, but hopefully when I have enough money saved up for a good down-payment to a house, my creditworthiness will be higher.  <response>: To be able to live off my interest dividend income and retire early.. 