Terry has a Rags to Riches story himself: In brief, he grew up in a rough area with many disadvantages, failed in school and left early with no GCSEs and a bad attitude. Then got into sales age 19 and now age 30 has built multiple financial services businesses in the UK, turning over multi-millions each year, with a team of over 100 people. He also owns a real estate portfolio of worth over 10 million. He is also a family man with 4 children. “If you are born poor that is not your fault, if you die poor, that is your fault”