The term "born again" means just that. It is the process of starting your life, all over again, except this time you are going to do it Gods' way. To be born of the water and of the Spirit. When you make an honest and sincere choice to submit to God, Creator of Heaven and Earth, acknowledge and apologize for the harm you have caused, forgive those who have harmed you, you must completely re-evaluate your knowledge and understanding based on the knowlege of God and His Love for All His Children. It is a little painful to have to admit to yourself that you were wrong, but, the reward far exceeds the consequences for rejection. It is the process of cleansing the evil from your heart and mind, your thoughts and actions, the amount of time it takes depends on how far down into the pit you put yourself. And how strong a hold the love of money has on you.
It is time for man, to completely return, dominion, back to God. You can be baptized with water and Spirit, or, you can be baptized with fire, the choice again, is yours, man. You will be baptized by one or the other.