Features
Former Liberal candidate Lesley Hughes pens her version of what happened to her in 2008 when she was accused of being an antisemite
By BERNIE BELLAN How many times are we going to revisit a story that has already received more than ample coverage within the pages of this newspaper – especially a story which one might have thought had been put to rest long ago?
The answer, in the case of Lesley Hughes, who achieved a level of notoriety in 2008 when she was unceremoniously turfed as the Liberal candidate in the federal riding of Kildonan-St. Paul during that year’s election, is: at least one more time.
The reason is that Hughes has just recently published a short book, titled “The Dead Candidate’s Report”, in which she offers her version of the events surrounding her forced exit as the federal Liberal candidate for the riding of Kildonan-St. Paul during the 2008 election, and the ensuing damage, both to her career as a journalist and her personal life as a result of that forced exit.
Looking back over our past coverage of the Hughes story, I see that we’ve run three previous articles about what happened: In July 1, 2009, we ran a story by Myron Love which I titled “Hughes Sues Jews”, in which Myron reported that “Last fall, Federal Liberal hopeful Lesley Hughes generated national headlines when it was revealed that she wrote an article in the Winnipeg Sun on May 5, 2002, alleging that the Israeli, American, German and Russian intelligence agencies all had advance warning of the Al Qaeda attack on the World Trade Centre on September 11, 2001.”
(Ed. note: Hughes’ exact words, with reference to advance Israeli knowledge of the attacks, were: “Israeli businesses, which had offices in the Towers, vacated the premises a week before the attacks, breaking their lease to do it. About 3,000 Americans working there were not so lucky.”
In that article, Hughes indicated she was quoting internet journalist Mike Ruppert who, she notes in her recently published book, “The Dead Candidate’s Report”, “claimed to have two independent sources about the move” but whose “sources were sealed forever when he allegedly committed suicide in 2014.”
In her book, Hughes admits that “a later explanation for the move was that the existing firm had decided to leave months earlier, breaking their lease as a routine cost of business.”)
Myron’s 2009 article went on to note that Hughes “also posted the article on a United Church of Canada website.
“As a result of the revelation, the former CBC broadcaster (she co-hosted the CBC Winnipeg morning show for a number of years) was forced to step down as the Liberal candidate for Kildonan-St. Paul. (She ran as an independent in the October election and finished a distant third.)
“Now Hughes is back in the news with a lawsuit she has filed against federal cabinet minister Peter Kent, the Canadian Jewish Congress and B’nai Brith Canada, as well as Frank Dimant, BBC’s executive vice-president, CJC co-presidents Rabbi Reuven Bulka and Sylvain Abitbol, and Bernie Farber, the CJC’s former CEO.
“Hughes filed the suit in Manitoba Court of Queen’s Bench on June 16. She alleges that the defendants ‘made untrue and defamatory accusations’ that she is anti-Semitic. She charges that senior members of B’nai Brith and the CJC went to see then Liberal leader Stephane Dion on September 25, with her 2002 article and persuaded Dion to drop her as a candidate on the grounds that she was anti-Semitic and ‘unfit to hold public office.
“In her lawsuit, she quotes a press release issued on September 27 by B’nai Brith’s Dimant in which he charges that Hughes has a ‘record of anti-Semitism’.”
In February 2013 Myron reported on a settlement reached between Hughes and the defendants to her lawsuit:
“This past week it was revealed that Hughes reached out-of-court settlements with the parties to her lawsuits.
“Following is an excerpt from a publication of joint statement issued by the parties concerned:
“ ‘Journalist Lesley Hughes, Canadian Jewish Congress, B’nai Brith Canada and Peter Kent MP (Thornhill) wish to clarify comments that each made during the 2008 Federal Election campaign regarding an article written by Lesley Hughes in 2002, in which she re-published statements that made presumptions of an anti-Semitic nature in connection with the September 11, 2001 attacks on the World Trade Centre.
‘Ms. Hughes was dismissed as a Liberal candidate in the election after the 2002 article was raised in the media.
‘During the election Canadian Jewish Congress, B’nai Brith Canada and Peter Kent each raised concerns about statements in the 2002 article which repeated false allegations that Israel or Israeli tenants were forewarned of the 9/11 attacks on the World Trade Center and did not warn others. Comments made by Canadian Jewish Congress, B’nai Brith Canada and Peter Kent were published in the media and Ms. Hughes filed a defamation claim in respect of the comments.
‘Canadian Jewish Congress, B’nai Brith Canada, and Peter Kent accept that Ms. Hughes does not condone the use of anti-Semitic conspiracy theories by racist groups to support anti-Semitism of any nature. They therefore acknowledge and agree that Ms. Hughes is not an anti-Semite. In fact, Ms. Hughes has been an advocate of human rights through three decades as a journalist and teacher.
‘Ms. Hughes confirms that she has and will continue to be a strong supporter of the work of any individual or group who exposes false public statements that might do harm to the Jewish community, and more specifically that are anti-Semitic and racist.
‘Ms. Hughes joins with Canadian Jewish Congress, B’nai Brith Canada, and Peter Kent in strongly condemning anti-Semitic conspiracy theories. They find anti-Semitism and all forms of racism, to be deeply contemptible behavior.’ “
Then, in December 2015, in that year’s Chanukah issue we reprinted an excerpt from a forthcoming book by Hughes, in which she offered further background to the story. Hughes had contacted us, asking whether we would run the story verbatim, including this headline: “An Enemy of the Jews”. We agreed to that and ran the story in its entirety (It ran over five different pages. You can still read the entire story on our website. Simply enter the names “Lesley Hughes” in our search engine and you will find the entire December 9, 2015 issue in which Hughes’ piece appears.)
Now, all this may seem like quite a long preamble to a book review, but I thought it necessary to put what follows into a certain context. Given that Lesley Hughes has been adamant in protesting her innocence over the charge that she was anti-Semitic – and I have no doubt of the unfairness of that charge, given the fact that we have bent over backwards to treat her fairly within this newspaper, I wonder if there really is any further need to comment on a story that has gone on for so long.
But, when we ran a story in our last issue about another defamation lawsuit that had also been settled and in which B’nai Brith had been named as a defendant, I thought the juxtaposition of the two cases reflects poorly on B’nai Brith Canada – and its occasional willingness to engage in over the top criticism.
The most recent case had to do with an article B’nai Brith had published about former Green Party candidate (and more recently, a contestant for the party’s leadership), Dimitri Lascaris.
(I should also note that in September 2018 I did an interview with Dimitri Lascaris which can still be accessed on Youtube, although I admit it’s not easy to find. As much as Lascaris is decidedly critical of Israeli policies toward Palestinians, by no means would I describe him as “an advocate on behalf of terrorists”, which is what B’nai Brith did.)
The reason I thought it important to note that B’nai Brith has now settled lawsuits with two different individuals who had filed libel lawsuits against the organization is that it illustrates the danger involved in labeling someone either “anti-Semitic”, as was B’nai Brith’s allegation about Hughes, or “an advocate on behalf of terrorists”, as was the case with B’nai Brith’s allegation about Lascaris.
Regardless what one may have thought about what Lesley Hughes had written in the particular article which ended up causing her so much grief, or what Dimitri Lascaris’s record is with regard to criticizing Israel, one should be very careful when it comes to accusing individuals either of being “anti-Semitic” or “advocates on behalf of terrorists”, especially when those individuals are Canadian citizens and have recourse to the courts here.
With all that in mind, is there anything new in Lesley Hughes’ recently published book,
“The Dead Candidate’s Report”, which is a very short read at only 107 pages (including appendices)?
On the website for her book, Hughes describes it as “a memoir of my 2008 run for parliament, my defamation as an anti-semite and conspiracy monger, and the lawsuit that cleared me of all accusations”. Unfortunately, due to the terms of the settlement agreement reached between Hughes and the defendants to her lawsuit, she is not allowed to discuss the terms of settlement.
What she does discuss, at great length, is the devastating consequences that her being forced to withdraw as the Liberal candidate for Kildonan-St. Paul had, both on her personal life and career – when she was shunned by many of her former colleagues in the media, along with many other individuals with whom she had developed relationships over her many years as a commentator and radio host, including many Jewish friends.
Leaving aside the mistake Hughes may have made in repeating a since debunked claim that Israelis had prior knowledge of the attack on the World Trade Centre, what followed was certainly devastating for Hughes.
Even when she was vindicated in a court of law and the defendants to her lawsuit apologized for having labeled her an antisemite, as she was about to discover, news of the defendants’ apologies and retractions of the charge was generally ignored within the mainstream media.
As Hughes writes, “When confronted by personal and professional devastation in 2008, at least I was able to turn to an overpriced, self-serving legal system. I have won back my reputation, by way of a lawsuit, but there is no remedy for the unyielding non-coverage of my vindication. No consequences. No accountability. No more action to be taken.”
For Lesley Hughes, at least, while the lessons she may have learned about the dangers inherent in taking any sort of a controversial position in public may have been salutary indeed, what does her experience have to say about anyone else who may be contemplating entering into politics – or who may already be involved in politics?
I certainly wouldn’t be the first to point out the dangers that exist for just about anyone who may have ever tweeted or posted to Facebook anything the least bit controversial. In 2016 this paper itself played an instrumental role in raising awareness of overtly anti-Semitic tweets that had been posted by a doctor by the name of Hussam Azzam, and which had been scrubbed from his Twitter feed – but not before someone who had been monitoring Azzam’s tweets had taken screenshots of them – and ended up giving me those screenshots.
Subsequently Assam was fired as the Chief Medical Officer at St. Boniface Hospital.
So, I’m well aware of the power even a small newspaper such as this can have in affecting the careers – and ultimately the lives, of individuals. In Lesley Hughes’ case, the likelihood is that her controversial columns about 9/11 conspiracies might well have gone ignored for the most part (although she does acknowledge that a column which she wrote for two Winnipeg weekly newspapers in 2002 about 9/11 in which she suggested that the United States brought about the attacks upon itself by its past behaviour did elicit some very angry responses from a great many readers of those papers), had she not inserted a suggestion that Israelis had foreknowledge of the attacks on the World Trade Centre, she would probably have been allowed to remain a Liberal candidate in 2008.
It was only because a blogger (whom she doesn’t identify in her book, but whom we identified as “The Black Rod”, a very well known blogger here who has a record of important scoops over the years) decided, in 2008, to publicize an article Hughes had written in 2002, that Hughes’ was cast into political and personal purgatory.
And, as we have just seen in the most recent federal election, it doesn’t take all that much to have candidates forced to remove themselves as candidates for political office. I think in particular of an NDP candidate by the name of Dan Osborne who, as a teenager tweeted at Oprah Winfrey (of all people), “was Auschwitz a real place?”
Who knows what the context was for that seemingly silly question, but let’s be honest: Is asking that question, especially by a young person who may simply be ignorant, in and of itself anti-Semitic or is it perhaps simply an indication of ignorance on the questioner’s part? But, as I’m sure Lesley Hughes can explain to Mr. Osborne: You can’t be too careful these days in posting anything that might potentially be used some day to cause great embarrassment to you. And, once you’ve been shamed in public, there’s no getting back your reputation, no matter all the apologies and retractions you might end up receiving.
Features
Author and lifelong nurse Tilda Shalof’s new book a guide not only for young nurses but one that will appeal to a wider readership
By MYRON LOVE Tilda Shalof’s most recent book – “The Handover – a Nurse’s Last Shift” was, in the words of its author, “written for the general public, to understand nursing. Nursing is everyone’s concern, not just nurses. The general public has a stake in the matter,” she observes.
I can guarantee that there are plenty of stories and anecdotes that the author shares from her own experiences that will also be of interest to a wider readership. I certainly enjoyed the book.
The title – “The Handover,” she explains, is the regular exchange between nurses going off their shift and the nurses beginning the next shift, during which the outgoing nurses pass on all relevant information about the patients under their care to the incoming nurses. A recurring thread throughout the book – of close to 400 pages – is the retiring Shalof’s interaction with three student nurses whom she had recently befriended through one of her many speaking engagements. In particular, Shalof gives co-writing credit to one Lisa Mochrie – a nurse who the author acted as mentor to during Mochrie’s last period as a student and continuing through her early nursing career.
There is a tendency for many people to take for granted people I would describe as working in a service capacity such as nursing. One of the reasons that Shalof points out in her book for our ongoing nursing shortages is that young men and women are more likely to be encouraged to pursue a medical career (to be a doctor) than a nurse. This, she points out, despite the fact that hospitals can function without doctors – but not without nurses.
Some other factors, she notes, are the ever increasing demands of documentation – which detract from patient care – and regulations, which have taken much of the satisfaction out of the profession.
In an interview with this writer, she observes that Jewish nurses are few and far between because nursing is not a profession that most Jewish families encourage. (I can only name a handful of Jewish nurses that I have known or have come across.)
She spoke about how she became a nurse early in life to her aged and ailing parents – being the only daughter – (she has three older brothers) and the last of her siblings to leave home. In “The Handover”, she also makes frequent reference to fictional nurse Cherry Ames – the heroine of numerous books written between 1943 and 1968 – as inspiration for Shalof’s choice of career.
For the first 30 years as a nurse, Shalof worked in an intensive care ward at Toronto General Hospital. She subsequently worked for a short time at an HIV clinic and, later a hospital day clinic and a neurosurgery unit. She also spent several summers as a camp nurse at a Jewish camp while her kids were campers there.
“The Handover” is Shalof’s seventh book. Her first book, published in 2004, was “A Nurse’s Story,” chronicling her experiences over 30 years as an ICU nurse. Among her other books are:“Camp Nurse,” recounting anecdotes from her time working summers at her children’ summer camps, and “Opening My Heart” – an account of the profession from the point of view of a patient after she had open heart surgery.
Coincidently, she notes, she began her first book around the time of the SARS outbreak in Toronto in 2003. Shalof says she started writing her latest book at the height of the Covid lockdowns, which she references from time to time in the book. .
The approach Shalof has taken in writing “The Handover” – following a foreword and introduction – is literally an A to Z overview of everything there is to know about nursing – with each chapter focusing on one specific letter of the alphabet. Each chapter relates her thoughts and tells anecdotes from her own nursing experiences over 40 years in the profession, as well as her interactions with Lisa Mochrie and the other two student nurses as they transition from students to professionals.
In her conclusion, she observes that “nursing can be a path to making a difference – having an impact. It can be a front row seat at the theatre of life. Or it can be a job, a way to make a living and help support your family. “
Most importantly, she added, “make sure you try to have some fun. Do everything in your power to enjoy being a nurse”.
Although the now 67-yeear-old author is retired from the practice of nursing, she remains in demand as a speaker and advisor. She continues to get calls from throughout North America seeking her advice.“The Handover” is available from the University of Toronto Press.
Features
Michael Mitchell: His Labour of Love in Law
By GERRY POSNER The Mitchell name in Winnipeg has been around a long time and much of the the name recognition stems from the long connection of the family to a business known as Mitchell Fabrics, a mainstay on Main Street for many years. Established by Mendel Mitchell generations ago and not closed until 2017, many family members, including in-laws, worked there as managers, students and retirees. And yet, the family vocation was not limited to just the business, t it stretched out into the world of law, and more specifically the field of labour Law. One particular Mitchell reached the peak of all aspects of Labour Law. Three Mitchells: Leon, son Grant (a senior management side labour lawyer in Winnipeg), and daughter April Katz (an academic at the University of Victoria Law School), had stellar careers in that field. Yet another Mitchell, Michael, also achieved great acclaim as a labour lawyer. Michael, a product of the south end of Winnipeg, is the son of the late Harry and Gertrude (Sirluck) Mitchell, so he has some impressive genes going for him. But he has added to the story immeasurably.
Perhaps it all began for Michael Mitchell when he graduated from what was the first and only Grade 7 Hebrew school class at Herzlia Academy. He later was Regional Vice-President of AZA in his teenage years. After two years at Joseph Wolinsky Collegiate and two more at Grant Park High School, Mitchell went off to the University of Manitoba for his first year and then on to the University of Toronto, where he obtained a BA in Political Science. Then came law school, also at the University of Toronto, from where he graduated with an LLB in 1975. Along the way, he married the former Lynne Berman ( also from Winnipeg).That union produced three Mitchell daughters, two of whom are physicians – in psychiatry and neurology respectively, while the third is a pioneering pre-school educator. Michael and Lynne also have six grandchildren.
For a large part of his career as a lawyer, Michael Mitchell practiced law in Toronto as a senior partner in the firm of Sack Goldblatt Mitchell – from 1980 through 2014, having joined the firm in 1975 as a student. The firm was committed to the union side practice of Labour and Employment Law. Not so surprisingly, he had to appear at all levels of courts, also administrative tribunals.To his credit, his work and impressive track record was recognized by his peers as he was named a leading labour lawyer in Canadian Lexpert Directory and was frequently recommended in Best Lawyers in Canada. Between 1982- 2006, Mitchell was also the managing partner of the firm, which suggests to me an ability to manage people, not an insignificant skill. During his tenure as the managing partner, the law firm grew from just under ten lawyers to over fifty, with offices in both Toronto and Ottawa. His responsibilities were firm leadership, strategic decision making and financial management.
But, what a career Mitchell has had. For starters, aside from his time as a practicing lawyer in the field of labour law, he has, since his leaving the practice, just changed hats. From 2015 to 2018, he was part time Vice-Chair of the Ontario Labour Relations Board and, from 2018 as of this moment, he has become full time Vice-Chair at the same Ontario Labour Relations Board. Needless to say that, over the course of his administrative work since 2015, Mitchell has been at the centre of some significant decisions and, if you are interested, I can direct you to the selected substantive decisions in which Mitchell has been involved.
Moreover, Mitchell has worked and continues to work in the area of mediation and arbitration of both labour and indeed civil law. This is a large area, to put it mildly. For starters, there is the entire field of grievance arbitration. To be involved in cases of this kind, your name has to be put up by one of the parties and often agreed to by the other party. That means you have credibility with both of the protagonists. Mitchell clearly has that kind of reputation and draws support from both sides of the aisles – as it is referred to in some circles. He has been an arbitrator/ referee in many cases, including the famous 1986-1990 Class Action settlement related to individuals who had contracted Hepatitis C. Further, he has conducted numerous civil mediations related to employment, contracts and human rights matters. Mitchell also mediates and arbitrates collective bargaining disputes.
One of Mitchell’s’ main achievements was that he was invited between 2015-2017 to be a Special Advisor (with capital letters, no less) to the Ontario Minister of Labour with regard to the Changing Workplace Review. This was a landmark review of the Ontario Employment Standards Act and the Labour Relations Act where he, together with Justice John Murray, recommended many legislative changes to protect workers from the negative impacts of precarious employment. The best part of his work was that many of th recommendations were actually adopted. Other recommendations remain for future governments across the country to consider.
If you really want to delve into the Michael Mitchell career, you should know that, over the span of his career there are many publications that he has authored. The main one is his textbook on the Ontario Labour Relations Board, which he co-authored with his early mentor, Jeffrey Sack, and which remains the leading authority on the Ontario Board.
Mitchell comes by his passion for labour law honestly. His uncle, Leon Mitchell, was an iconic force on the union side in his practice of law in Winnipeg and was the inspiration for Michael to enter law to become a labour lawyer in the first place. In fact, it was Leon who introduced Michael to a man in Toronto who recommended Michael to connect with an up and coming labour lawyer in Toronto named Jeffrey Sack K.C. That connection resulted in the Sack Goldblatt Mitchell law firm. As well, Michael was well known to Sid Green during the early years of Sid’s law career, also his early days as a Cabinet Minister in the Schreyer NDP government. Sid was a person who exerted a significant influence on Michael.
With all that on his plate, Mitchell found time to be the president of the Darchei Noam Synagogue in Toronto between 2004-2008. He has also been the president of the Jewish Reconstructionist Federation of North America. During his term, he led the merger negotiations which ultimately resulted in the current structure of that movement ,which is now referred to as Reconstructing Judaism. Its singular aspect is that it consists of a single organization combining congregations plus a Rabbinical School. That was enough to get Mitchell an invitation to attend one of President Obama’s Chanukah parties at the White House during the Obama term. As well, to this day, Mtchell sits as a Director of the New Israel Fund of Canada.
Mitchell has his feet still planted in Winnipeg. His two sisters live there, as well as Lynne’s sister. In fact, he just visited Winnipeg for his sister Ruth Ann’s and Paula’s 85th and 80th birthdays respectively. And to keep up to date, Michael and Lynne Mitchell have long had a subscription to the Jewish Post.
In short, at just under 80, Michael Mitchell is moving like he is eighteen. The longevity of his career may soon rival the longevity of the family business, Mitchell Fabrics.
Features
Building Credit in College for Future Real Estate Deals
Most college students aren’t thinking about mortgages. But the students who buy their first investment property at 25 or 27 started building credit at 19 or 20. The two are directly connected.
Real estate is a game of capital access. Lenders don’t care how motivated you are – they care what your FICO score says. A 760+ score gets you prime mortgage rates. A 620 gets you higher interest and fewer options. The difference in monthly payments over a 30-year mortgage can be tens of thousands of dollars.
The window you have in college to build credit without major financial pressure is one of the most underused advantages Jewish students have.
Credit Foundations: Where To Start
Your credit score is built from five factors. Payment history makes up 35% – the largest single component. Credit utilization (how much of your available credit you’re using) accounts for 30%. Length of credit history, credit mix, and new inquiries cover the rest.
For most students, the first practical step is a secured credit card or a student credit card. Secured cards require a deposit that becomes your credit limit – typically $200-$500. They report to all three major bureaus and build history the same way unsecured cards do.
The rules are simple but require consistency. Pay the full balance every month. Keep utilization below 30% of your limit. Don’t apply for multiple cards in a short period. These habits compound over years – a student who starts at 18 has 7 years of credit history by the time they’re ready for a first mortgage.
One underused option: ask a parent or family member to add you as an authorized user on an older card with a clean payment history. You don’t need to use the card. The account’s age and payment history get added to your credit file immediately.
Researching Investment Options During Studies
Business, economics, and finance students regularly analyze real estate markets as part of their dissertation. That work isn’t just academic – it’s actual market research that doubles as preparation for real investing decisions.
However, balancing dataheavy analysis, market research, and exams often leads to extreme burnout. To survive the final semester, many students look for external support. Some of them use EduBirdie – best dissertation writing services for timely delivery and consistent quality on deliverables when the research load is heavy. Outsourcing the formatting and drafting frees up time to dig deeper into the actual market data that matters for real investment decisions. The analysis you build during college becomes your knowledge base before you ever make an offer.
Smart students treat every finance and real estate assignment as a portfolio of personal research. That perspective shifts the work from obligation to investment preparation.
How Student Loans Affect Your Future Mortgage
This is where many graduates get surprised. Student loan debt directly affects your debt-to-income ratio (DTI) – a key metric lenders use in mortgage approval. Most conventional lenders want your total monthly debt payments to stay below 43% of gross monthly income.
If you graduate with $40,000 in student loans at a standard repayment, your monthly payment is roughly $400. That $400 counts against your DTI before you add a car payment or rent. Managing your loan balance and making consistent payments not only builds credit – it keeps your DTI workable when you’re ready to buy.
Income-driven repayment plans can lower monthly payments but extend the loan period. For mortgage purposes, lenders typically use the actual monthly payment shown on your credit report when calculating DTI.
Practical Steps For Building Credit In College
Keep Utilization Low
Staying under 30% of your credit limit matters more than most students realize. If your card limit is $500, that means keeping your balance below $150 before the billing date. Paying in full each month handles this automatically.
Monitor Your Score Regularly
Free monitoring is available through Credit Karma, Experian, and most major banks. Checking your score doesn’t hurt it. Set up alerts for new inquiries, changes in balance, or any accounts you don’t recognize. Catching errors early prevents damage that takes months to fix.
Build Your Credit Mix Over Time
Lenders like to see that you can handle different types of credit. A student card, a small personal loan, and eventually a car loan create a credit mix in college that strengthens your profile. Don’t open accounts you don’t need, but don’t avoid credit out of fear either.
Here’s a practical credit-building checklist for college students:
- Open one student or secured credit card and use it monthly
- Pay the full balance before the due date every month
- Keep utilization below 30% at all times
- Become an authorized user on a parent’s old card if possible
- Check your credit report annually at AnnualCreditReport.com
- Make all student loan payments on time once they enter repayment
- Don’t close old accounts – account age matters
Understand What Mortgage Pre-Approval Requires
When you eventually apply for a mortgage, lenders will look at your FICO score, DTI, employment history, down payment, and reserves. The credit score threshold for a conventional loan is 620, but most competitive rates start at 740 and above. FHA loans allow scores down to 580 with a 3.5% down payment.
Starting to build credit at 18 or 19 means arriving at your first mortgage application with 6-8 years of credit history. That length alone adds 15% of your score. Combined with responsible utilization and clean payment history, you can realistically hit 740+ before you graduate.
The Long Game
Real estate investing after college isn’t a fantasy – it’s a planning problem. The students who pulled it off didn’t get lucky. They started building credit years before they needed it, kept their DTI manageable, and used their time in school to understand the markets they wanted to invest in.
The credit habits you build now are the credentials lenders will evaluate later. Start with one card, pay it in full, and let the history accumulate. Five years from now, that consistency becomes a mortgage approval and the keys to your first property.
