3 Books to Read Before the Year Ends

When was the last time you read a good book? And not just any book, but one that motivated you to do better, be better and live better? As we enter into the fourth quarter, why not end the year with some great books that will encourage you to finish what you started, give you tips towards financial freedom and encourage you to live your best life. Here are three books that will inspire you to end 2017 with a BANG!

FINISH, by Jon Acuff

This book is the sequel to “START” which is one of my favorite books. If you habitual START a project, a task, a goal, but for some reason end of quitting within weeks of starting (i.e. New Year’s Resolutions), then this book is for you! Finish: Give Yourself the Gift of Done!



3 Steps to Living Your Best Life

Are you living your best life? Do you wake up each day ready to encounter new opportunities, ready to conquer daily challenges and determine ways to be a better version of yourself? Or do you get depressed every Sunday night, dread waking up each Monday, and live for the weekend only to start the cycle all over again on Sunday evenings? If the last sentence sounds like you, guess what? You are not alone! According to a Forbes article, only 13% of working people are satisfied with their jobs. Which means 87% of employees “are emotionally disconnected from their workplaces and less likely to be productive.”

So, if you do not like your job, your finances, or your overall life, what can you do? Change! And not just change as in give up or quit, but as in do something about it. Many of us consistently complain about our current situation and that is all we do…complain! Complaining will not change our situation. It only allows us to focus on the negatives of our situation and not the positives.

Want to begin to create your best life? Start here…

What You Need to Know About the Equifax Security Breach

If you have been reading the paper or watching the news, you are aware of the security breach via Equifax which put millions of Americans in danger of identity theft. For those who may not know, Equifax is one of three consumer credit reporting agencies that collects and computes credit related data for individuals as well as for businesses. On, September 7, 2017, Equifax announced a cyber security breach which took place between May 2017 through July 2017.

Why should we be concerned?

Well, this breach gave cyber-criminals access to 143 million Americans’ personal data to include social security numbers, birth dates, addresses, and for some, driver’s license numbers.

What can you do?

5 Steps to Building & Leaving a Financial Legacy

Part 4: Back to the Basics Financial Series

The biggest reason people are working towards obtaining financial freedom is to rid themselves of the burden of DEBT. Why? Because debt is a shackle that hinders many from experiencing life, prevents them from doing what the love causing many to live in a constant state of stress and worry; however, once debt has been eradicated, people are able to freely enjoy their lives without the constant fear of “not having enough”.

Financial freedom provides people to live a life of passion, travel the world and honestly, allows them to not have to make decisions based purely off of money (or the lack thereof). Living a life of passion, however, should not be the only reason people are working to be FREE. Building and leaving a financial legacy should be at the top of the list.

In reading the Bible, one should notice the emphasis God continuously placed on “generations” and leaving something behind He always spoke, particularly in the Old Testament, about preparing the next generation and leaving blessings. And honestly, as Christians, we are still benefiting from those blessings…We are the seed of Abraham; however, when we look at current statistics, we do not live our lives to ensure it benefits our heirs.

Only 1 of 3 families with children under 18 have life insurance

Average household credit card debt, $16,600

Average household student loan debt, $50,000

Median wealth (net worth) for African Americans, approximately $11,000; White American, $134,000

So, in analyzing statistics, we owe a ton of money in credit cards and student loans, we do not have life insurance (or very little) and because of debt, particularly for African Americans, our net worth (what we own vs what we owe) is not even a tenth of our White counterparts. Is this the legacy we want to pass down to our children? Well, I certainly do not!

So, to ensure that my children have a better financial start in life than I had, I want to not only build a financial legacy, I want to leave one. Here are five ways we all can ensure we leave a legacy.

5 Steps to Winning in Your Side Hustle

Part 3, Back to the Basics Financial Series

The term “side hustle” has become very popular over the last decade. From making meals on the weekend to opening a restaurant, side hustles for many have turned into main hustles and African American women are leading the way. Although I applaud anyone’s efforts in stepping out and hiring themselves, I do not believe everyone should be a full-time entrepreneur. I do, however, believe everyone should have a side hustle or two. Why? Because you never know when you could be fired, laid off, or hear an announcement Monday morning that your company is filing for bankruptcy. If you do not have other means of generating income, it could have a catastrophic effect on your finances.

So, what exactly is a “side hustle”? According to Entrepreneur.com, a side hustle is “a way to make some extra cash that allows you flexibility to pursue what you’re most interested in. It can also be your true passion – a chance to delve into…whatever it is you care about the most without quitting your day job.”

What are you passionate about?

What do you love doing?

How can you make money from doing it?

We paid off tens of thousands of dollars of debt from just our side hustle alone. What can you do to get you closer to your financial goal? Whether you have a side hustle or would like to start a side hustle, here are 5 Steps that will help you to Win in your Side Hustle Journey.