No Rich Parents; No Assistance 

“Hard times make the toughest Men” -Section8Investor

I was blessed to have both of my parents through my entire life even in the worst environment, but when it came to financial stability it wasn’t the best. Growing up we struggled, and I mean hard. Staying with inlaws (grandparents), cousins, and friends of the family was hard enough on me mentally. Seeing the struggle first hand molded me. It molded me into a kid who found ways to get money without bothering my mother for it.

Not having rich parents, I had to learn the willingness to build wealth differently than others. I went through challenges and many ups and downs. I took many losses and have been completely broke, but didn’t understand why on many occasions. Staying in the ghetto where every corner had a pawn shop or liquor store, I truly didn’t see any wealth solutions in my community. I had to think outside the box and become distant from the majority.

By having this type of lifestyle at the bottom of the barrel it made me strong. I always tell others if you make it from where I’m from you could do anything you wish in this 1 lifetime. People who experience the depths of hell and struggle know how it’s already like to fail many attempts and be in the dark. That’s what most successful people never deal with because they were born into rich successful homes. We know how to respond when tragedy happens, they don’t.

Having great parents, but not rich parents gave me all the leadway in the world to become successful. The struggle and my bad economy gave me all the confidence in the world today to do what I do and become wealthy. Don’t keep your head down no more. Get up, make a difference, and influence.

Down to 1

Teach others, be dedicated – Justin A. Starks

One more loan to payoff and I am debt free! Once I noticed how much I could be reserving and putting into a wealthy machine, I was determined to break the leash of being a debt slave.

Debt is used to keep us on a tight leash. We see no hope being in debt and that put a pause on everything we want to do in life. We get overwhelmed and depressed, which isn’t good for any of us.

Being debt free isn’t all about money. It’s about having a choice and a voice. By being in debt you have no control over how you want to live your life. That’s scary. By being debt free you have the upper hand on your next move. Either if it’s put your money to work or buying a new shirt feeling guilt free.

By any means do as you please with your money but make sure you are taking the steps to becoming debt free and out of that poor mentality. Don’t plan for Saturday night, lets plan for Four Generations. Anyway, have a blessed day, I just wanted to share I am down to 3,000 and I am debt free! Feels great to say that.

“If you need help or want to talk about your finances. Feel free to email me at Section8Investor@gmail.com”

Simple Equation, be Heroic!!

“Don’t let others get you down, & never let your dreams drown”. – Justin A. Starks

Not so Simple

If it was this simple everybody would own a house(s) or have infinite wealth. The key is to not follow broke minded people, but study the game. Your income reflects your closest 5 friends. The reason is their mindset. It’s a big difference hanging around millionaires, than one who make little to nothing and struggling trying to impress their friends. Also, read, read, and read!

Change your scenery

Coming from the hood I was limited on my resources. I was thinking at a high level, but never seemed to get any results, because others just didn’t have the mental capacity as me. This led me to give up on myself and not follow through on my goals. I would start and switch which isn’t the greatest idea when trying to find the motivation and aspiration to build a legacy. It took me to change my scenery to grow. This means from friends and the infested ghetto I had to leave behind. I still keep in touch, but I totally understand our minds are not the same. By doing so, it allowed me to find myself and pursue my true passion and that’s key to living in this world. It may seem very harsh, but sometimes it’s mandatory you do so in order to grow. You don’t have to leave forever but you also don’t have to stick around forever.

Feed your passion

You must first find your passion and decide you want to succeed just as bad as you want to breathe. By having a vision, you will want to strive and live every single day. I remember when I didn’t have a plan, or a vision, but I knew I wanted to become rich and wealthy. I had to first learn how to deal with failure and people. I also had to learn that it is not about the money, but being a better servant for others. If you are really passionate about what you do then money isn’t the issue and it will come eventually. Stick to your plan, grow, and elevate to the next level. Don’t let others get you down and never let your deepest dream drown.

Johnny, Lester, & the 401k

“Corporate Thuggin”- Section8Investor 

Johnny is 21 and is new to his company. The company he works for is called, “Benjamin Guapo LLC”. He’s new, experienced, and has no knowledge on what a 401k is. When asked by his employer to open a 401k he was skeptical because he didn’t think it was a good idea and he heard nothing but horror stories of the stock market and stated he would rather keep it in his regular bank account. He thought it was a complete scam and a game for the criminals. Once he turned down the 401k offer his employer only offered him to think about it and take a couple finance courses they offer around the city.

The following day Johnny was out with a coworker by the name of Sunny Lester. Sunny is also with the firm and has been since 1974. During lunch that evening Johnny asked a serious question. Sunny said, “well young man what is your question”? Johnny asked,”Sunny are you invested in the 401k scam and if so how many years have you been trapped”? Mr. Lester laughed immediately after he heard the question and said, “lad you remind me of myself when I was your age and boy do I regret it”. Sunny gladly discussed his share on the Companies 401K. He told the truth, bad, and the ugly.

Like stated before, Lester joined the company in 1974 at the same age of 21 as Johnny. Mr. Lester admitted to not investing until he was 40 because he was unaware of Compound Interest and the free money it offered with the 5 perfect match. Johnny politely stopped and said, “Compound Interest, what’s that Sunny”? Once again Lester laughed and was so astonished at how so much Johnny reminded him of himself back in 74′.

He gladly explained to little Johnny how Compound Interest works & the whole nine. He even showed Johnny his portfolio with inclusive tips and tricks, but he also told Johnny to be wise, diversify, and invest in what he knows. Taking it all in he didn’t understand the jargon and terminology but once he educated himself the following month he was well aware of the wonderful opportunities of the 401K and Compound Interest. He knew free money could be left on the table and didn’t want that to happened. It was a grab and go one of a kind deal!

That following month Johnny proudly walked in his employers office and demanded the 401k option. Well, well, well,”said bossman”, I see someone figured the beautiful invention of Compound Interest. What made you change your mind? Johnny answered,”a great friend”. Ever since then Johnny has been well invested, saving 15 percent of his income towards his 401k, taking advantage of tax breaks, and also free 5% match. Also, till this very day he still keeps in contact with his mentor/friend/coach Mr. Sunny “401k Legend” Lester.

3 N’s that’ll make you give in!

Negative Thoughts

Don’t let your mind kill your efforts. The brain is so powerful and any negative thoughts that come in could potentially harm you. Your thoughts make you who you are. They guide you to failure or success. You have to be stronger than your mind in order to program your inner self.

Negative People

There is a time we grow up and have to distance ourselves from negative people. No matter if it’s friends, family, or someone you love. If they aren’t bringing any value to your life and keeping your dreams buried you have to let that individual go. Time is valuable and to many of us around the globe has let love and people who we thought was there for us tear down our dreams, vision, and goals. It is important that you let negative people go and stay sucker free. You don’t need those leeches around you sucking all of your energy.

Negative Situations

We all go through these and they can ruin our whole day. Certain situations will get the best of us but it’s smart to relax the brain and think about it first. Life isn’t easy and certain situations can get us down. In order to continue working hard on our dreams, we can’t let negative situations get us down. That could be death, arguments, and just any bad situation, we have to continue to hold on and thrive. Negative situations can’t ruin our expectations about life.

That Next Level You Have Been Dreaming Of!

“The next level isn’t for everyone, but it’s for you.” – Justin A. Starks

Before you can reach the next level you have to make sure all your eggs are squared away. Some days just not going to be perfect and you have to learn quickly working when you are down is necessary to see the next level. Only working on days you feel awesome just isn’t the right plan of action. Actions need to be taken on any day when it comes to your goals, wants, and needs.

Is it for you

The next level isn’t for everybody. The next level are for those who have been working since the dawn of time. Just like you went to school for more than a decade or two that’s exactly how your dreams should be treated. You should continuously work on yourself and let the old horrible habits go. Learn to walk before you run. Learn to take the criticism before they listen. Just keep being progressive and make sure you are doing your absolute best.

Conclusion

This is for those who needed that extra push. That invest in the Stock Market pump fake second look, lol. Seriously, the next level is waiting on you, you just have to put yourself in position and climb that ladder alone or someone butting it from the bottom (supporters) making sure you don’t fall or slip off. You are a leader not to conquer your goals!

Overcoming and Empowering

“Some days I be like screw it all, then I recoup and press forward.” – Justin A. Starks

When you feel alone

Most days when we are so busy doing for others we forget that we have problems in this hectic world as well. This could cause a mental breakdown and be painful to your mission. Sure, I get it, we have to be acquired to have good people skills and look out for others, but that doesn’t mean throw your own feelings in the closet. By doing so, you are setting yourself up for failure. Learn to express your feelings and vent to people in your life who cares for you.

Learn to prioritize

Work, work, and work is all we know when we hear our alarm clock in the early morning. We spend so much time getting ready for a job most of us barely love, instead of working on our ultimate success plan. Learning to prioritize has helped me tremendously. Before hand, I would always tell myself I didn’t have time or I was too tired to accomplish anything I knew I had to work on in order to grow. I had to drop that toxic mentality and put my ideas on the agenda and stick to my plan.

Accept the challenge

We tend to run from a challenge. If we don’t step in the game we will never know how to play and just be a lost soul on the roster. No matter how bad it may seems or frightening, accept the challenge and prosper. Sometimes when I have a new challenge on the table for the grabs, I take a deep breathe and openly accept the position. I don’t run, I look at it as a stepping stone for improvement. Sometimes I complain and get frustrated, but I also tell myself it will all pay off. It never hurts to step up and try even if you are going to fail. Who cares! Keep it pressing and learn. That’s how you grow.

Become your inner thoughts

We all have dreams. We all have that 1 next big ideal that’s ready to change how we live life and experience growth. Just as a kid eyes lights up when he says he wants to become a doctor. Don’t we all have a dream? Don’t we all wish in some form or fashion that everything would go our way for the better?

Thoughts will guide you

Every morning you wake up your thoughts guide you. You change every situation. No matter how hard you try you are what you think about the most. In order to change your habits you have to change your thought process. Instead of saying I can’t do it, why not say I can do it. Instead of saying I don’t have time, why not make time. Positivity is the approach that should be made, not anymore excuses.

Better Version of you

What is it you are doing to become a better version of you? What does your inner circle look like? Remember, if your 5 closest friends aren’t making the right decisions than you aren’t either just based on association. I have seen it too many times when a young man follows the crowd and in up in prison or under ground.

Dig Deeper than Before

In order to change your mindset you have to dig deep. Dig deeper than before and create the life you always wanted. It takes much discipline and less procrastination to do so, but yes it can be done. Remember, days go by and dreams will die if you don’t make the corrective adjustments.

Question: Are you giving your all or complaining about time?

Money Discipline

It’s hard in this economy but it’s your fault. We have to take control of our income and run our money business appropriately. Think of your yearly income as your first business. You don’t want to lose everything, right? Of course not.

Money discipline is key to getting rich. Many of my peers and even you think it’s impossible but it’s not. It does take close observance of your bank account(s) and budget sheets. This is just the beginning of having the discipline of the rich.

If you can’t manage a measly 20,000 a year to live comfortably then how will you ever be trusted to protect and watch over thousands, millions, or even billions of dollars daily. It’s just not going to happen.

Stated above, I touched up on the root of having money discipline. Those two ingredients are simple – make a plan, execute, and diverse your money into money making income streams. My way is investing in the Stock Market and having a fully funded Savings. If you don’t make money in your sleep then you will forever work for the ones who does.

Money Tips:

1. Budget

2. Spend less

3. Invest

Question: Are you following a budget or being a fool and parting ways with your hard earned back breaking income?

You have to know….

Going into anything that will better yourself, you have to know from the get go that you are not going to have that much of a support system. When branching off from the majority you have to understand at the door that many unsuccessful dream killers just don’t want you to become a self-motivated dream chaser. It just doesn’t sit well with many people around you.

You will run into dream killers that will do everything in their power to stop you from continuing down the path of success. They want to stop you because they have dreams they were too scared to reach. While all the other little birdies jumped out of their mothers nest, leaving their sweet supportive comfort zone to chase the world, they stayed in leaving their own dreams and dignity behind.

The World around you doesn’t reward unmotivated individuals. Especially us as Black Men. We have to dig deep and be prepared to except ridicule from our own race and others as well. As a Black Man we are at the bottom and need to understand this before we even chase a dream. We have to know there will be many stressful days and nights but we can’t give up pursuing our dreams. We just want have much of support if we don’t do what the majority of the Black Men are doing in the hood; which is going to prison, rapping, gang-banging, serving drugs, being a uneducated fool and many other things that the majority see as the perfect negro. I know it’s hard but your work will pay off if you stick to the path.

As a Black Man you have to know that the world isn’t just going to hand you a pass to success. We have to work 4 times as harder than our oppressors just to be considered valuable. We have to understand that one slip up could cause us 5 times more of a punishment than the opposite race. We see how unfair the prison system is with us within the inner city communities. We know that to be successful we can’t be 40 deep in the club smoking gas toting pistols with negro’s we barely know. Before you even start your own journey it is imperative you know how to continually operate around people who will never value you.

Question: Are you putting in the work?