Black Compound Interest 

“Compound Interest is the 8th wonder of the World ? ” – Albert “Money Man” Einstein 

Let Class Begin 
Time horizon (20 to 40 years old) “The younger you are the better when it comes to investing”. This is a golden rule especially if you are in your younger 20’s. I remember the saying “No Sleep, Get Money”, was real popular. That meant not going to sleep at all, – just to make barely any money. I always thought that idea was pure dumb. I guarentee you could get 18 hours of sleep if you learned the important of investing your money  ??+??=?

“Truth being told no one in my family ever taught me about The Stock Market or how to become Financially Independent because they were simply Financially Illiterate themselves. It was a skill I had to learn by myself and through the books I read. Before than I had so many bad habits when it came to Money. Let me save you” – Jay Starks 

Since I cracked the Divenci Code, lol, I am here to teach others especially from the Lower Income Community and my people (Blacks) the importance of Compound Interest. 

*Any race is always welcomed, but I know majority of you reading this already know, & I know you know blacks barely read or Invest, so I have to teach my people* 

The Scenario

Let’s say you are 20 years of age and invested only 10,000 while still contributing just 50 dollars a month letting it grow for 20 years, each year making a 10% ROI (Return on Investment). 

At the young age of 40 you would have 102,000 instead of 34,000 if you just had it saved in a traditional bank account earning only 0.01 cent every thousand. Traditional bank accounts by the way are bank accounts you have right now if you don’t know about Investing/Brokerage Accounts. 

That’s a 68k difference. That’s Phenomenal! You probably won’t see the difference at first but as the years go you would be glad as hell you started when you did! Now that isn’t enough to live on for retirement but you must catch what I am putting down about Compound Interest. I will touch up on planning for retirement at little bit later. ?


We have to be more aware of this beautiful skill set. Passive income and diversification is a great way to meet your financial goals, my bad I mean wonderful way to meet your financial goals. Spending money on Jordans, Hoes, and Rims isn’t going to break those barriers to see the next level. We have to start building wealth and leaving inheritances to our children. Wealth is generational, that’s the key ingredient we are missing in our homes. We have to learn this game and play it well. Please, email me or just comment below if you would like to learn more about Compound Interest and Investing. 

“Budget, Pay Debt, Invest, & Don’t Stress ?” 


Do you know how compound interest works? Are you aware that your time is precious and means everything in the World? 

Don’t Touch That Account 


It is mandatory that you open up a high yields savings account and stash money away for a complete get away. I am not talking about a trip to Jamaica or The Bahamas by the way. I mean getting away from financial crisis and the tired ass Below Average Income (Poverty) that you hate so much. Anyway, before I get off track, by opening up a high yields savings account and of course putting a percentage of your income in there you are allowing your money to grow over time. Even if it’s just 0.25 cents a Month, it’s still “Free Money”. It’s just like investing but simplified. You are investing in your future. Either if you want to buy a house or a new couch. I highly recommend you never touch this account until a crisis come like loss of a job or a spouse but other than that it’s hands off. Let this account get you away from the paycheck to paycheck lifestyle. Let it help you and your family become much more powerful than what you already are. 

Investing in your High Yields Savings Account

You want to invest 10 percent of your income in this account. You want to invest that same percentage every paycheck, no matter the circumstance. Now, listen closely – if you can invest more than recommended be my guess, – if you can’t do the recommended and have to contribute an smaller amount, well by all means, be my guess. “Long as you are investing something is what I am trying to exaggerate.”

Three Online Accounts I highly recommend

Ally Bank – 1.15% Interest Rate 

Synchrony Bank – 1.15% Interest Rate 

Goldman Sachs Bank – 1.20% Interest Rate 


By having this account you are allowing great times to flow in your life. The fear of not having enough or eating Ramon noodles because you are broke is over. This account could help you reach many levels you have never dreamed of. By staying disciplined and learning how compound interest works at this level, you will no longer be afraid of the stock market risk or investing in a property. I am highly speaking to my community which is the “Black Community”, but please any one is welcomed to read and take in this free knowledge. In order to have a say so in this world we have to start doing better economically. Stay down and invest and you will eventually out do the rest. Take care! 

Link to Top 5 Online Savings Account:

Question: Are you saving for your Financial Future? 

“What lies inside”

The Beautiful Meaning:

This poem is dedicated to everyone who knows what they are worth but aren’t taking the necessary steps to step up and be great. This Poem is inspired to “grasp” my readers into a paradox of mysterious faith. Which fate is yours to take?

The Art: 

What is it your heart is trying to say? 

Is it sound or is it safe? 

Is it heaven or is it hell?

As these worlds collide and earth prevails? 

What am I missing? 

What am I dismissing?

For I am not wise enough to realize what lies inside! 

For I am not capable of doing what my heart decides! 

I can’t longer waste what lies inside

I can no longer let fear hide what lies insides…. 

Poetry Presented by: Jay Starks 

Question: Are you hiding your true talents by living deeply in fear? Why are you so afraid of being great? Please share, let’s discuss! 

The Almighty Bankroll! 


I remember growing up having a “Bankroll” showed significant power in the Black Community. 

It was like having everything right in your pocket. I easily thought by having such a “bankroll” was going to show me the world and allow access to everything I ever wanted. Such as women, cars, jewelry, and fresh clothes.

“That mentality I had was formed from growing up in poverty. I did all types of connery for it and some things I don’t regret because it made me who I am today.”

Growing up in the lower class part of the state – we all dreamed daily of having that big bankroll. It’s like we were junkies with a adrenaline rush! It’s funny because once we receive large amounts of money we spent it on materialistic items that I stated earlier in this passage. 

We as a whole lacked “Financial Literacy”. A tool I wish I had known about a couple years back. Without us knowing how money works we were eventually going around in a circle of not having. 

Not having a great life. Not having wealth. Not having the mentality of developing and wanting better than poverty. Not having the mentality of wanting to own corporations and businesses. This crippled every one around me and it was plain out depressing. 

“It was also – make the bankroll, show off the bankroll, spend the bankroll, and be back broke doing things such as working harder breaking our backs or criminal activity that ended up with most of us on our backs (6 feet under) or in a prison cell.”

This wasn’t good at all for my community but we often mixed crime and trading our valuable time for pennies which wasn’t rationally good for any of us. 

I firmly believe we need the knowledge of Financial Literacy implemented in the Black Community. Sure it’s cool showing off your bankroll but if you don’t know how to secure the bag for long term wealth then what are you doing?

Please share your own experience with “The Bankroll” below in the comment section.

Question: Also do you think Financial Literacy is non-existing in your community? Please do elloborate! 

Section8Controversy: “Blood Money”

I lost so many loved ones from the block.

They went from the corner to the coroner.

It shocks me everytime I turn on the news and another brother gone so young.

It is time out for the violence but I know majority not hearing me.

I am tired of the Funerals & T-Shirts.

I am tired of the Suits and Tears Fallen.

When are we going to understand Crime and Money don’t mix?

When are we going to understand Blood and Money don’t mix?

Controversy I can sense it like a bomb tick!

I’m from the ghetto where majority of the minds sick.

They’ll pick up a gun rather than throw they own fist.

Blood Money, Blood Money, Blood Money!

Am I the only one that noticed you took the love from me?

Blood Money, Blood Money, Blood Money!

Am I the only one that noticed you turned the hood on me?

Don’t Make “Cense”!!

Why do we hang around the same tired people who don’t bring any value to our lives? Why do we let every little thing get to us that others think? Doesn’t make any “Cense” right?! It’s time out for the distractions! It’s time out for the fake foolery and friends that adds no real value in our lives. We have to control our surroundings and become free from the negative thoughts that others bring to our doorstep. In order to achieve our goals and become someone with a defined purpose we have to step up and leave those who don’t fully believe in us. That may seem harsh but at the end of the day we have to take into account this one life we have to live. We as individuals have to stop coming up short because family, friends, and loved ones didn’t give us their permission to go out and achieve the unbelievable. We as people have to stop coming up short and making excuses feeling sorry for ourselves every second of the day simply because others don’t approve our true identity. As I got older I noticed couldn’t make everybody happy and people just weren’t going to be on the same page as me. Doesn’t mean I hate them just means I have to boss up and do what’s best for me. I had to develop a stronger mind under my circumstances and scramble from the crabs quickly or get stuck at the bottom of the barrel. I couldn’t be another brain dead zombie on the block. There is so much life in this world to just sit back and wait on the approval from others. It’s completely up to you to thrive and be that individual you want to become. Cut out the distractions and expand. Don’t waste any other second, simply “START TODAY”. Be great and inspire those around you! Doesn’t makes Cense not too!