Had I been older, I would've never been able to pull it off because I would've analyzed it to death. When I was 16, there was no such thing as 'what if.'

I think I was so successful, not because I was brilliant, but because I was so young. I had no fear of consequences.

I don't use a debit card. The safest thing is a credit card because you're using the bank's money. If someone accesses your information, they are stealing the bank's money, not yours.

For years I played the what-if game. Maybe you're acquainted with this pastime. The rules are simple:

Rule #1: You're only allowed to think of worst-case scenarios.

Rule #2: You're never allowed to win this game. You can only lose.

Rule #3: The more you play, the greater your losses.

You'll never get anywhere if you go about what-iffing like that.

The truth is, your identity already has been stolen.