rather than just buying shoes,

buy stock in the brand.


Did you know that 61% of Americans are $400 dollars away from a financial hardship?


This means most can’t cover an unexpected expense like car trouble, major appliance break down, or unexpected doctor’s visit with the cash they have saved. This should alarm us all, considering that America is the richest country in the world. Before we talk about investing and growth, we must first consider financial stability. America is built on commerce. If you have money to spend, there is not a shortage of places to take it from you. The question isn’t always can I spend it but SHOULD I spend it? Is this a wise use of my money at this time? Is there a way to make this money make more money for me? These are the questions that I often consider. Below are a few basic money practices that I believe every person should be striving towards to be financially stable.


How many times have you swiped your card and said “this may not have been the best decision”? Often times we don’t see the improvement in our finances that we desire because of a lack of planning. Does planning cure everything…no but it can help us asses our current situation and strategize on how to make the necessary improvements we need to progress. Have you ever heard of the 50/30/20 rule? This rule suggests that your after tax income should be allocated to 50% needs, 30% wants, and 20% savings and debts.


We all know that life happens. Unexpected things come up all the time. In order to have a greater chance of enduring those unexpected financial issues, we must create a safety net. This is called an emergency fund. Financial planners suggest that you should have at least three to six months worth of expenses tucked away for things like a loss of a job, repairs, or unexpected medical expenses. An excellent way to start off your emergency fund is banking your tax refund along with saving 20% of the money you earn each week.


I remember during my freshman year of college, credit card companies would pitch a tent and offer struggling college students free pizza if they applied for one of their cards. Fast forward to today, some of my friends are still trying to pay off large credit card bills incurred during that time. Debt can be one of the most crippling adversaries to financial peace. There’s tons of resources out there but the main two that have been personally impactful to me and my friends are Brass Knuckle Finance by Jarim Person-Lynn and Total Money Makeover by Dave Ramsey. Lastly, remember your best ally in getting out of debt is Strategy, Sacrifice, & Self Control.


Many of us understand compound interest but in the reverse way. We are often on the receiving end of a bill that is constant ballooning out of control and we are paying for it. Why not be the investor who is loaning their money and receiving interest as opposed to paying interest to someone else?! There are tons of people who will pay you for using your money. Roth-IRA’s, Money Market Accounts, or even basic savings accounts yield interest. Those are the most basic & low risk ways to earn money with your money. Next is stocks, real estate, and other business. There are so many different ways to grow your money but even more ways to lose it. When it’s all said and done, it’s your decision as to which financial path that you choose!

Recommended resources to learn more about building wealth:

Brass Knuckle Finance

Total Money Makeover

The Black Business School




One of the best ways to get instant ownership is through stocks. Often times, when we hear stock market, we think of financial sharks like the Wolf of Wall Street but did you know you can own stock with mere POCKET CHANGE! Acorns automatically invests your spare change and lets you invest as little as $5 any time or on a recurring basis. If you sign up using the affiliate link below, you’ll get $5 dollars towards your first stock investment on the app.


Everyone likes FREE! Another pushback to trading stocks is the commission and fees. It seems so overwhelming at times. One of the most popular stock apps for millennials is Robinhood. Robinhood is a free-trading app that lets investors trade stocks, options, exchange-traded funds and cryptocurrency without paying commissions or fees. Just for signing up through the affliliate link, you get a FREE STOCK with no strings attached.


When I bought my first home, I was terrified. My wife was pregnant, I was building a business, and I didn’t know if I would be able to manage the responsibility of home ownership. Those fears were real but I also understood that land ownership in the right area typically grows in value (appreciation) so the risk was worth it. I didn’t have a 20 percent deposit but what I’ve learned in my years as an entrepreneur, is that there’s more than one way to get a job done. Below is an article from the Huffington Post that I believe can give great guidance to those looking to own a home, even if you have financial challenges.


I’ve heard from various sources that you need SEVEN streams of income to be financially wealthy. My first thought is I can barely maintain the work of building one income stream. I believe this thought is shared among many people. After doing further research, I found that building SEVEN streams isn’t as hard as I thought it would be, when you know WHAT STREAMS TO BUILD.

  • Earned Income – money earned from time (job)

  • Profit Income – money earned from sales

  • Interest Income – money earned from lending

  • Dividend Income – money earned from investing

  • Rental Income – money from renting out an asset (real estate, rental cars, equipment, etc…)

  • Capital Gains Income – money from an asset that gains value (equity in a home)

  • Royalty Income – money from letting someone use your product or ideas (music royalties, inventions)


Dr. Claud Anderson Discusses America’s Race Based Society, PowerNomics + More

The Breakfast Club features celebrity interviews, Charlamagne tha God’s Donkey of the Day, Angela Yee’s Rumor Reports, DJ Envy’s mixes and so much more! Every guest visiting the world’s most dangerous morning show is grilled with their signature blend of honesty and humor. The results are the best interviews to be found on radio.

The 7 streams of income every person must have – Dr. George Fraser

Why is Barack Obama unwilling to address reparations? – Dr Boyce Watkins

This Black Billionaire Has Some Advice For Young Black Men

This black billionaire is creating opportunities for African American youth.

Black History Month Playlist

Did you know that black people created the cellphone? What about the closed circuit TV? There’s a ton of inventions by black Americans that often go unnoticed. In the month of Feb, we’re going to highlight some of the unsung heroes of American history.