Get it Gone, Student Loan 

Duck, Duck, Student Loans, Get Gone ! – Section8

“First off congrats on all you dummies who took out so much money for bills, groceries, 2016 chargers, challengers, dates, drugs, & new clothes! You now owe all that plus more back in student loans.” – Section8Investor

Anyway, let’s talk about a solution that could possibly get you out of that nasty debt. I call it the student loan challenge. Yes, the Student Loan Challenge ! Let’s not act like America isn’t 1.2 Trillion Dollars in Debt. A whopping 44.2 Million Americans have student loan debt! That number is scary than ever. Also, the graduating class of 2017 owes roughly 35K a piece for their undergraduate degree, let’s not even talk graduate degrees (Masters). The crazy thing is these numbers are steady climbing! How the hell are you even thinking about buying a house or start investing…… different story, different blog. Anyway, that’s why a friendly game of Get it Gone, Student Loan is exactly for “YOU”.

Get it Gone, Student Loan 

I remember after I received my undergraduate degree, I was thinking to myself how in the world am I going to pay these student loans? It was a disaster I tell you an complete nightmare. Unfortunately, in the Black Community we like to hide our money problems and act like we are a part of the 3 percent, so you could imagine how alone I felt while playing this game by myself. Which sucked a**! Well not literally, – but you catch my drift. 6 months after you graduate school, best believe Sally Mae and her corporate assiciates is coming for your soul and everything else you own; No call or heads up, just a piece of paper in the mail with your outstanding balance. Don’t let it get you down, it’s now time to take action and that’s why Get it Gone, Student Loan is the perfect game for you and your broke non-invested friends!

Game Instructions 

  • Preferably 3 or more friends who all have high amounts of student loan debt
  • Set a 1 year goal and a hundred dollar buy in to play
  • Check in monthly too see who takes the lead (Motivational Purspose)
  • Winner who paid the most take home the money (hopefully it goes to student debt)
  • Play again until each of your students loans disappear forever

It will be a challenge but don’t give up. This game will teach you how to handle money as well throughout the course. Student loan debt is causing harmful damage to the economy, especially if you are from the Lower Class. There are other downfall factors you may face already while living in the Lower Economy (unemployment, minimum wage, single parent, & other debt). Don’t let it dry you up, take it by the horn and ring it out!

9 To 5’s Destroyed The Majority

IMG_2366[1]“You will never be up working that 9 to 5 alone”. – Justin A. Starks

That intro statement at the top with my name behind it is pure key to your financial future! Only working a 9 to 5 putting in all those hours in isn’t enough to get you to where you ultimately want to be. Let me be the one to crush your dreams right now before you punch that clock any longer, because someone has to do it. That job you hate and still pull up too doesn’t care about your financial stability. That job you take a shower for every night and morning, if you even do, doesn’t care about your sick child at home or when your tire blows out. That job that you repeatedly take abuse from day on and day off, doesn’t care about your feelings or you not paying the bills.

A 9 to 5 alone isn’t going to take you too financial freedom. That job alone isn’t even going to move you and your family of 8 out the hood. If you grew up in a poverty stricken neighborhood like me, then you know that working a measly underpaid job isn’t going to cut it throughout the year. Yeah, you may be receiving that yearly tax check, but I guarantee it will go quick and in a hurry because of unpaid bills you have added up all throughout the past year. It is a never ending game of cat and mouse.

All the time I see friends celebrating they have two jobs that are completely awful. It isn’t smart to get two jobs just to continue going deep in debt and not pushing your purpose. That’s what I call robbing yourself blind. That’s a quick way to end up on a road to depression, because you will never realize how you are setting yourself up for failure.

Me personally have seen how even jobs wasn’t enough to sustain in the ghetto, as we still struggled terribly. There was so many sleepless nights I encountered because 1. I couldn’t eat or 2. I was up hearing my mother cry because we didn’t have enough for the bills. This system failed my family for ages and it’s time it stops at this generation with me. Those vulnerable moments are stuck with me for life as I change the hand of life forever and ever. If you are going to work a 9 to 5 start learning how to invest and utilize your money better. Your money is exactly like time, it is a resource, and once it’s gone, it’s gone forever until you waste another 500 hours getting it back or however time is consumed from that awful thing you call a job.

Lastly, people think just because they work for a certain company or career field they have automatically won this game called life! That’s where we as a majority are wrong. A title has nothing to do with how you stand economically. If you know nothing about starting a business or investing in the stock market or real estate, you will forever play a game of throw the money away. The American Dream will only be a mere dream and leave you hopeless getting deeper in debt, thinking of a wrong way out. We have to stop depending on these 9 to 5’s and use them as a stepping stone. That stepping stone could be running a successful business or utilizing the dollar cost averaging when it comes to investing! Just motivation for my poor folks, hope you pick this up and run with it! Make sure you send me a email to Section8Investor@gmail.com where we can discuss your financial goals! I’m out, Peace and Love!

 

Why I Retired Buying Name Brand Clothing

“Why spend my money with name brand companies who don’t support me or give a flying f*** about my living environment?”

Many years I use to think like every other negro. Buy name brand items and automatically get accepting by the cool kids and cute girls. I didn’t understand as a younger individual the effects and mind games the larger media had on my brain. I seen rappers, actors, and drug dealers with the cleanest outfits so I immediately thought I needed it. I thought this was it! Like it was the key to life. Buy more name brand items and BOOM, I am worth more than my peers and I am better than every one in my lower class community.

It’s deeper than name brand clothing. It’s the meaning of why we buy it and accept it. It’s the power we think these clothes give us a black individual. We think because we associate ourselves with these particular pieces of clothing we are one of high importance. We ask for clothes by brand and barely understand how we are turning against ourselves and becoming inferior to our own black business owners.

Growing up I remember seeing the mom and pop shops that use to get started in the hood. Even at a young age I would say they wouldn’t last long or what the hell is this ugly place in my neighborhood. I remember walking in their store and saying the prices were too much for what they were selling. I would try to low ball their prices and ask for deals. This is the same way we do each other in the Black Community. We are brainwashed way before this point and we don’t even realize it. We pay 1,000 no problem with other races and say 50 is too much when our own kind is trying to sell us something worth substance. If it’s not named brand and of another popular named brand we do not want to be associated with it. It’s sad.

Many won’t understand my logic behind retiring from named brand clothing but it’s okay because they have there reasons. Most of these designers aren’t from my community and don’t give two shits if I live or die, so why would I spend any more than I have too? I would rather spend with my people and watch the money circulate within but how can I when majority are brainwashed and would just put that money right back in other communities.

Switching Sections: “The Net Worth from Paycheck Mind Adjustment”

“Pay check to paycheck; leads to infinite death, let's build that Net Worth.” – Section8Investor
 
In my last blog, “Never knew the Difference: Income vs. Net worth” I preached the difference between Net Worth and Income and how important it is for you to understand. In this blog I will preach the meaning of building your net worth with better understanding and real life examples. Hopefully, I could persuade you to be on the road of awesomeness, when it comes to you and your finances.

Net Worth, Less Work

Building your Net worth give you the authority to do as you please and not stress as much. Building your net worth will allow you to open many doors for you and your family that are beyond measures. By allowing your net worth to grow you are allowing your brain to signal better brain frequencies, when it comes to creating and owning. A paycheck to paycheck mentality will only have the mindset of next Friday (Payday), or that check that comes in at the end of the month.

When switching from the paycheck mentality you are constantly developing, excelling, and using your brain to find better opportunities for growth. You now understand you are not entitled to go to a job you hate and work until you are 78 years old, from your death bed. You understand the difference of working for money and money working for you. It is better to understand this life value before it is too late. Seriously, best believe if they could work your useless body from the grave, they would because they know you will never understand this vital concept.

Increasing Thy Net worth

There are many wonderful ideas out in this world to significantly increase your net worth. It all starts with you! Your capabilities to strategically plan your next money move. In order to start increasing your wealth you have to eliminate debt off of your list. I firmly believe taking care of your debt is a number 1 factor when trying to build wealth.

“Ex. Tommy makes a 100,000 a year. Tommy likes going out and living lavishly. Tommy spends 89,000 a year on vacations, women, and boats. Tommy now has no source of income because he was laid off from his job. Tommy now has no money and is 300,000 in debt. He also has no capital or real value assets. Tommy is flat broke to square one.”

If tommy followed these simple life secrets of paying debt, living frugal, saving, and investing, – he would be way ahead of the game some years ago. This is why paying debt and not getting sunk in by the impression of impressing people who barely like you is important.

The Secret Stash

One starting point on your way to a bigger and better Net worth is having that “secret stash”. Some call it the emergency fund, life savings, or etc. My best advice for the secret stash is simple, “Out of mind, out of sight”. This allows your money to be debited into your secret account without looking, before you take anything out of your weekly check.

Ex. “Jacob has been making 30,000 a year working for the local school. Jacob is worried the school will have another job layoff so he thinks of great ways to end his spending habits and saving more money. Jacob has an idea and a bright future. Jacob open a “Secret Stash Account and puts away just 10 percent of his income every paycheck. He did so for 15 years passing his income and living stress free. Good to know, the job lay off never came and Jacob was now investing and purchasing his first home.”

Spending less

One who is living on less than they possibly earn is a “Frugal One”. Being frugal is a great way to build your Net Worth. Keep in mind all your spending buddies will talk down on your practices and try to drag in living overly spending hell. Be cautious and stay true to yourself. If you can’t go out because you are on a budget, then absolutely don’t do it. Remember, a frugal lifestyle doesn’t have to last long.

Best Wishes

In order to make a change from your environment when it comes to money you have to adventure out. All advice isn’t good advice, even if it comes from the ones you love and trust. You have to become self – educated and entitled to learning the game and growing. Your Future self will thank you if you stay down. Build your net worth and relax because your stress levels will decrease when you know you money is working in your sleep.

Question: Is your Net Worth important to you? Do you even care about your finances and having full control of your life?
 
 

Never knew the Difference: Income Vs. Net Worth

"These disparities can be explained only by the multigenerational legacy of racial discrimination in mortgage lending, employment, and access to capital for enterprise development." – Chuck Collins

"This pisses me off, so I am going to teach you (my people) everything I can to see the changes in Wealth Inequality, even if it consumes my hard earned time." -Section8Investor

Today, I am going to help you understand the difference between Income Vs. Net Worth. Many people in the Black Community seem to not have a functional understanding of this as we spend ferociously without building our nest eggs (Net Worth). It's even more crazy that we are on the bottom of the list underneath Hispanics in most cases. I love hispanics, but they aren't even from our country and receive more (better) opportunities than us (blacks). We have to understand this racial gap is a big issue. If not you, then please teach your kids, so the next following generations could build upon the knowledge and wealth.

Income

Your income is your yearly income you make from your job. Unfortunately, you could lose that job and everything you own if you don't have a healthy savings (talking from life experience). I prefer 10 months of your living expenses saved for extra comfort. You have to understand if you rely only on one income you are bound to fail in this economy. You must use that "powerful wealth building tool" as a way out of your current situation. You don't have to be broke forever. You too can reach a high Net – Worth.

"If you don't learn how to make money while you are sleep (Net-Worth), you will work for money until the day you die (Income)."

Net Worth

Net Worth is how much you own after your debt is taking away. So, if you have 0 in Net Worth built up and a debt balance of 54,000 congrats because you are in the Negatives (Red), and probably don't have any good judgements with money. Pause! If I sad that with ease about you what do you think majority of the white race say about us when it comes to money management! They are laughing they're assess off! This has too change for the betterment of our communities.

Moving forward, net Worth is the amount of money you have in your possession, in plus everything you own that has significant value. This could range from Real Estate, Investments, Savings, Cars, and Business Corporations that you own. As your net Worth builds it shows you are doing great financially. You have to fully understand your income is not your net worth. It doesn't matter how much you make in a year, if you don't build your net worth and put your income to work you will be poor.

Question: Are you building your Net Worth, or are you relying on one Income? Black Community, I need a answer Pronto! Our communities and generations depend on us to figure it out.

Inspirational Balance within Corporate America 

Introduction 

Everyday I wake up, I ask myself, “how could I become a better servant towards others”. I take out my list and get to thinking, well better yet I brainstorm. I think about other individuals for whom I work with problems and ask my brain, “how could I be of assistance”? How could I impact others to keep going? How could I motivate them to do better, by just caring about their problems and helping resolve their issues. During the work day, I normally ask my subordinates, “how are they doing”? Often at times I stop them in the middle of the hard working day to ask them about their families, duties, and weekend. This was a great way for me to know my coworkers better and spend a little one on one personal time together, getting to know them. This led the productivity at work to sky rocket. I wasn’t a strategic plan genius but I just always seemed to have cared for my people. When you show others you care for them and are willing to listen to there problems, – that builds trust. You have now opened other great doors for your work orginanztion. This is how you connect with individuals and they also get a chance to figure out who you truly are as a person. 

Why you shouldn’t hide in your Office 

Sure, I get it! We all have work to do and have to put the mission first. Still, sinking in your office all day isn’t going to make you a great inspirational leader. Instead, it could kill morale as you just always delegate orders and don’t seem to care how others are doing. As men we sometimes get side tracked and gain tunnel vision because we have so much pride in our own success, which could better harm you, than it could help. Meanwhile, we put others off and seem to don’t care of our workers or coworkers because we plow our faces in a computer screen until the work day is over. Coming from behind that small/medium/large desk top and getting to know who works for you could help you and your company grow. It shows you have a heart and are willing to put your people first. 

Share great memories

I remember when my coworker told me a while back his wife loved that fancy restaurant, called papitos, but they rarely went because they couldn’t afford it. Well, one night after a long week of work, I offered him and his wife to a night out at the restaurant, that they loved so much, boy was he estatic. This allowed me to get to understand my coworker and build a new trust within him and also his wife. This memory lasted a lifetime. By sharing such a great memory it showed that it wasn’t all just hard work, rusty hand, and no days off. This allowed me to understand who he was as a Humam Being. Boy was he forever grateful! 

Put yourself 2nd

Now when I say, “put yourself second”, I don’t mean always. To help others and be of great inspiration you have to at times throw your pride behind you and think from their perspective. This type of learning experience could help you and that person you are helping. Everybody have hopes and dreams and need some type of help. Putting your traits to the side for a split second while helping someone reach their full potential is always one of great patience and character. 

Conclusion

These are all some great ways you could build your work morale for the better. Enganging with the people who work hard in your company is always a great way to show them you care. Putting the people first is always number 1 in my playbook, especially if they make you millions of dollars. I don’t care if I am just a worker at McDonald’s, I will always make my way to show others they matter and are apart of a healthy team. 

Question: How do you engage with your coworkers? What are some techniques you use to motivate others? 

Red Sirens, Blue Lights ! 

Red sirens, blue lights 
Who could put all that focus on us at night? 

Red sirens, blue lights 

Who is that watching me with that Glock 40 hugged tight? 

Red sirens, blue lights 

Why am I depicted by my color but not the love of my heart? 

Red sirens, blue lights 

Can you help me and my people through the night? 

Red sirens, blue lights

Why do you hate me for I am not white? 

Why do you judge us and never lived my life? 

Why do you come into my territories with intentions to vandelize my rights? 

I know its not right; Red sirens, Blue lights 

“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! 

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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?