No Money, Mo Problems (Inspired from… How to Sell to The Negro “1954”)

You spend millions on brands that don’t even support nor care for your community existence” – Justin A. Starks

Quick Glimpse

Yesterday, I watched a YouTube story titled “How to sell to the Negro”, this video opened my eyes and made absolutely all the right sense. One line I vividly remember that stops me from spending my hard earned money to my white counterparts is “The negro people already feel like they don’t belong, by associating themselves in rich fabrics just as whites do, no matter the cost, they would feel of high importance even though they will never truly pass the glass ceiling of wealth as whites in America”. I was devastated to understand this logic! We have to stop paying a high price and thinking a 400 dollar shirt is going to make us feel special. Use that money to buy investments and start a low funding business. We have to develop that economic mindset in order to produce more opportunities within the Black Community.


rowing Up Black

In addition, growing up in the Black Community I have seen directly and mentally the effects and still do how materialistic items are valued and how we love to crowd the streets on a Good Payday Weekend. We need to understand our monies can no longer go to these white corporations. They already set shop all through our neighborhoods since after slavery and are taking our wealth while putting us to work for little to nothing underpaying us and telling us they aren’t hiring. It’s imperative we learn how to build wealth and create jobs for ourselves. Also, White America own 78 percent of the wealth in America that’s why we have no economic say so when it comes our own hiring process, careers, or living conditions. We need to get more educated faces in these seats to look out for our kind just as they do themselves.


o Economic Power

Understanding this will hopefully lead you to handling and seeing money different. This is not an racial letter, this is the true facts that we need to wake up and see here in America. We have 11 times less of net Worth than Whites and just under 3,000 dollars short of Hispanics. We are in last place when it comes to wealth, that’s why higher officials like The “Higher Ups” (No Names) even call your black ass lazy when it comes to “Handling Money” on National TV!! If he thinks that and say it so proudly just imagine what other leading officials think of you. It isn’t like we aren’t making money, hence that we made 1.1 Trillion dollars as a whole but we don’t have a strong financial literacy. We don’t see the bigger picture. That’s why these rooms will continue to be filled with white liberals and conservatives that only persuade you to vote for them and feed you bullshit. They don’t care about your Black Community. Our community have been the same from every presidency no matter democratic or republican. Seems like it’s only getting worse by the century. We have to build our communities and thrive, not give in to a life of poverty and die.

Question: Do you truly understand you control your wealth?

Stay home with Mama, Drop that Debt Comma

“Why rush into a struggle you are simply not prepared for”– Justin A. Starks

Before I get started I assume that many of us are in debt no matter the lifestyle situation. I will talk from my experiences and living conditions. Meaning, I will be talking from the lower class of the 99 percent. Also, staying home longer with mama doesn’t mean become lazy and don’t work towards building wealth. You should be doing the complete opposite and making a change to your financial situation so you could possibly become better off when you fly out of the nest with your wings still intact.

No Kids, Stay Home

If you are just graduating college and have no kids what’s the rush?? Don’t be so eager to do what the majority are doing, which is rush away from home. There is so much we still have to learn after college when it comes to handling real life. We think we know it all but we just don’t. Staying at home a couple more years could help you more than it could harm you. Once graduating college you will have student loan debt and a little tad bit or a bunch of consumer debt. My ignoring the “You broke, you stay with your mama” or the “you are a little boy, you still stay with your mama”; you are really setting yourself up for better success financially than your peers.

Few More Years, Never Hurt

It’s simply crazy how a few more years back home after college could help you out tremendously after just a couple of years. While staying at home you don’t have to pay so much in rent. That money could possibly be going towards your student loans in a whopping fashion. Instead of struggling trying to pay bills moving in some apartment with some chick, you could be on your way towards a 0 student loan balance. Right after you earn that 0 loan balance, I suggest you still don’t rush to move out and collect other various forms of debt. I suggest putting that money straight to work in an aspiring business, stock market or real estate. Let’s see if you could own a home rather than rent it. Let’s see if you could invest more into your investment vehicle rather than rush into the struggle that America vigorously lies to you about since the ages of time.

Pick a Struggle

I want you “the reader” to analyze yourself and pick a damn struggle. Let’s play it out! You are either 1 going to be complaining about your own space or 2 not having enough money to survive on your own in this cold world. Either or you will still beg mama or a family member for money. You are still going to take out more debt helping America deliberately go further and deeper in debt. We have to ultimately pick our struggle and go with it. Who cares if your friends call you pathetic stay at home mamas boy? Who cares if chicks say no once they realize you stay at home doesn’t have your own transportation. When did society say I need a car to get the cute girls? When did society ever say I need my own place to smash chicks and be this incredible super hunk of chocolate? Well I will be extremely blunt with you now. In order to become financially free you have to do everything your peers aren’t doing. That’s staying home with mama, getting a extra income, self educating yourself, and etc.! You have to be doing everything the majority isn’t doing! What’s okay for them isn’t okay for you. You really have to understand and grasp this concept before it’s too late, which if you are alive it’s never too late!

Million Dollar Conclusion

This may be a little to overwhelming for the majority but you aren’t the majority and I see you want change. Every millionaire I study have a totally different concept rather than the one America sell you every day. It’s not easy but it isn’t hard. You have to take control of your patterns and brain waves. Don’t rely on the world to save you (Government, President, Credit Unions, & etc). You have to stay focused and if you aren’t well it’s time to get focused.

Nobody Cares For You

At the end of the day it’s all up to you

They don’t want you at the top sitting like Oprah do

They don’t want you at the top shinning like winners do

People rooting for you to fail they throwing voodoo at you

Dreams closer but you crashing cause you losing focus

At the end does it matter it’s all what you chosen

If you running from the life you wasting time thinking

Got to put the plays together fight off all your demons

People leaving everyday they don’t believe your vision

They don’t believe in you

They want to see you fail

They want to knock you off your high horse wishin they were there

Smiles turning into demons the world never plays fair

Nobody likes you; know you hate it, but keep thinking clear

Don’t Make Cense Sunday’s: Respect Your Vision

“If you can pull overtime for a job you hate, you should never give your vision a break” – Justin A. Starks

Through the good and also the bad times we need to understand that we still have a vision that needs to be fulfilled. Stopping now isn’t going to do any justice for you or myself. Life is hard as it is now but the long road awaits every last one of us. Let’s be completely honest here, most people aren’t meant to go down this road of loneliness, betrayal, in-denial, and discomfort. The road that allows you to grow and see life as what it truly is. This is why most of us will allows work for the top 3 percent.

Vision Board

1.) Set a goal

2.) Write every plan of action down

3.) See the vision and breathe them into reality

4.) Continually feed the beast; no f*cking days off.

If one doesn’t wake up everyday and see themselves living the moment then that person doesn’t have nothing to live for. Not saying you aren’t doing good but you are just following the days with nothing big to look for but a weekend off and extra vacation days. The one with a vision will always do what it takes to make that bleak glare an ultimate reality. The vision in the individual mind will almost drive him crazy just to bring it to life.

Vision Disrespected

Many of the worlds population will not respect your vision. They will down you and torture your sensitive mind into giving up. That’s why it isn’t meant for everyone to know your vision or get close to your most inner thoughts. Not saying you can’t inspire the majority but one must not reveal its whole plan to the surface. This allows the majority to disrespect your plans way before you even start and this is why most people take their wonderful life changing idea’s to the grave.

Conclusion

In conclusion, your vision is what keeps you motivated throughout life. You owe it to yourself to keep pushing and live for something as a human being. Without those who create, we will just be following in the line of defeat; which is go to school, church, that crippling 9 to 5, have a family, and just die. That’s why it is important one must not give up. Keep the vision alive and do whatever it takes to make it a vision come true! It doesn’t make any cense not achieve success and see your vision grow into something incredible. Stop feeling sorry for yourself and tackle everything you said you was going to do!!

Question: Are you doing everything in your power to make your vision come alive?

Kill thy Interest, Grow thy Wealth !

The Explanation!

Let’s say you took out 10,000 with a 5.29% interest rate.

Yearly, that loan interest is 529$. If your loan accrues interest everyday that’s 1.18 per day, total of 44.08 a month.

Say your monthly payment on the loan is 31 dollars a month. You are not paying a single penny towards the principle! THAT’S CRAZY! It’s like PacMan in reverse steady yummy yum away at your hard earned pay! Oh, the Horror, the Agony, the PAIN!!

You may think that loan is going down but once you check your account balance, let’s say 5 years, it grew a extra 2,700; leaving you devastated and more stressed out.

The Objective

The objective is to pay more weekly instead of monthly to get rid of the debt. By doing so, you are created a gap to only put more towards the principle. This will help you pay the loan off super fast and enjoy your hard earned money. This is a technique you must conquer especially if you already don’t make a lot of money.

The Routine

You have to set a routine. I will pay this week, this day, this hour of the day! It only makes the process easier for you. It gives you a hint of sunshine at the end of the tunnel quicker than what you had. Paying off loans could be a pain but with a great scheduled plan you could be debt free quicker than you think. Stick to your routine and get it gone.

The Goal

Congrats! You have successfully paid off your loans and are at a standstill with what to do next with all this money. Well, let me give you some wealth building pointers. Just how Interest was working about you, it’s time for interest to totally work in your favor! Yes, you heard me correctly. Through investing in the Stock Market you could grow your money at a spectacular rate. Let’s say you put the same amount each week or month you had going towards your loan, now switched in your investing account; that makes it easier because that’s money you never spent on yourself. The end game is so phenomenal after paying your debts.

The Ending

If you come from a lower class income you don’t have time to play around with your debt. This has to be the first thing you think about when you wake up and when you go to sleep. You have to find ways to knock this debt out quicker. The government or nobody else owes you a penny and isn’t going to lend you a helping hand. You have to get up, make something happen, and make way more than the monthly payments. Write it on paper in all caps, “I WILL PAY THIS LOAN OFF, I WILL BEAT THE INTEREST”! Until goal is complete you have no time to get 8 hours of sleep. Continue working and putting your mind to great use. Pay that debt and reverse it to build wealth too.

Question: Are you paying close attention to your debts interest accumulation!?

Table of Doubt

As I sit at the table of doubt..

I have realized, – I am to blame

I have realized, – I am to shame

Underestimated, my life of change

Underestimated, changing my lane!

I knew nothing would come from this

Sit, think, plot…. – I was so over the poverty

Think, sit, watch…. – I was plotting a robbery

Table of Doubt it would drastically baffle me

The seating was crowded as we leaped over the balcony

"Doubt leads to doing nothing when it's time to do something" – Justin A. Starks

Step Up to the Plate and Bat Success!

"I'm to tired, I'm so stressed, I can't do it…. said then most unsuccessful people ever." – Justin A. Starks

In order to step up to the plate and become successful you have to do you. In order to do you, you have to understand everybody isn't going to be pleased. You have to understand the majority is going to look at you as stupid and unaccomplished. I sincerely believe this is a test of faith. This test of faith will make you want to give up, throw your dream away, and leave all you have worked for on the table.

Goal Oriented

Remember, successful people have goals, unsuccessful people don't. This is why majority works for the top 3 percent. No matter what outlook you bring in this world the objective is to keep that momentum and continually push. Excel beyond measures and make sure your goals are aligned. Keep these goals to yourself and continue to add on way of how you could successfully meet these goals. Without goals you are lost. It's crucial you have a vision and understand your plan of action.

Don't Quit

Remember, successful people don't quit. They don't give up when times get hard. They remain positive and openly find ways to adjust without getting upset. They find it in themselves to outwork the situation. If the top successful people in the world only worked when he was having a wonderful day then he or she wouldn't have been so successful. The point of it all, is you have to continue working through the bullshit. You have to work hard everyday and remember why you even started. You will thank yourself for not quitting when you finally have your break out season.

Question: Are there times where you gave up on yourself? What did you do to overcome that?

Don’t Make Cense Sunday’s: Be Who You Are

"You have to elevate and steady climb the top. You have to go down a lonely road and leave your old life to rot". – Justin A. Starks

Introduction

People will always persuade you and make you fully understand why you should follow their agenda. Every body advice isn't good advice to the known ear. I truly believe everyday we are at war with ourselves. The things we see, touch, and allow in our lives shifts our mindset and influence our behavior. Most of us become lost and don't understand that this life is only given once. We let others negativity get under our skin instead of stepping up and not letting others opinions bother us.

Take Charge

We have to take heed and understand that we are in charge of our own life. People all over the globe have to understand we are the captain of our own ship. It doesn't matter if you come from a messed up community like myself and seen the struggle first hand. You are the creator. You are the one who make your wildest dreams comes true.

Grow Yourself

Majority of us have to stop becoming apart of the majorly. It only make sense! By becoming the minority you are showing the world you are choosing your own lifestyle. You aren't bowing down to the ones who say your ideas, dreams, and decisions are stupid. This doesn't mean go and do whatever but simply follow your heart. We need more leaders who are willing to grow themselves and spread the teachings to others. We need more strong black men who are willing to explore their inner thoughts and create a world of vision, thoughts, and hope.

Conclusion

In conclusion, it's only right you be yourself. At the end of your life you will regret everything you didn't do. It's not the right idea to live life out of fair and despite. You have to dig deep and understand you are truly a warrior and a creator of life. I am a firm believer we weren't just put on this earth to pay bills and struggle. You have to elevate and steady climb the top. You have to go down a lonely road and leave your old life to rot.

Question: Do you have any regrets?

Uncle Sam (Stealing All Your Money Vs. Saving All Your Money)

Uncle Sam who, Uncle Sam two, Which Uncle Sam are you – Justin Starks

ntro

You either will Let Uncle Sam (Stealing all Money) continue to rip you off in taxes or learn how to save more (Saving all Money) and develop better strategies to stop paying so much in taxes. This is a game played by the rich very well. Through investment vehicles they learn very quickly that dodging taxes is the way to go to accomplish and prosper in a wealthy life. I will describe some simple methods you could stop paying so much in taxes and what I did to receive tax cuts in the previous year that I wasn't even aware of until I filled out my taxes and new to still very new to investing. Please be advised that this is my experience and my experience only, thank you.

Tax Breaks with the 401K

While filling out my tax form for the 2016 year, I ended up saving some money on the back end, which made me an very excited man. That following year I was contributing about only 5% towards my 401K at the time. By having my deferred account open, which was my 401k, I didn't know my contributions wouldn't count what I made throughout the year, until I witnessed the tax benefit it gave. This was huge because I was actually encouraged to save more and more for the following 2017 year. This is a great way not to pay taxes and put your income to work. They are basically telling you to save more and take care of your finances.

ifts of Love (Charity)

Another great tax benefit was giving to charity. I didn't know that making a contribution to hospitals or for a cause was a tax break. Meaning you could donate to something you are truly passionate about and that monies is not counted towards your income. This will be written off as a gift and you will receive a nice gift when it come towards your taxes. They always state that giving back 5 to 10 percent of your income will open up many doors to your life. It may seem like a lot of money but don't think about that. Think about the lives and people you are helping. In order to be a great servant with your wealth you must be willing to help others in need. This will help you get rid of your selfish ways and prosper.

Conclusion

In conclusion, these are two simple ways you could be awards tax breaks and possibly earn more money in your tax returns. Their are many other ways to get great tax benefits but these are the two I know anyone no matter the income could accomplish. Remember, the government wants you to save and be a entrepreneur.

Question: Where these tips helpful?

Short Burst of Momentum!

When they tell you to take some rest, put down the material, have more fun, that's all you are focused on & so on; I want you to look at that as your compliments! Those are the words you want to hear and be ignited by to keep working because you are close to unlocking something special. See the majority is not use to your strong mentality and will try everything in their power to steer you away, because they are afraid to walk down that lane of commitment (Dreams). Also, if you are not hearing these "compliments" then you aren't truly feeding your passion and turning your wildest goals into reality.

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Question: Are you feeding your passion?! Are you taking chances and putting in that overtime on yourself?! Are you committed?!