“Stop killing time.” When it comes to life goals, I take my time very aggressively. I write down notes, think of ways to advance, and stay on track (focused). I try my best not to let my energy feed off of negatively or judgements from others. I closely examine what is important to me and my needs. I stay positive and connect the dots to every situation I am faced upon. I simply treat my time as a reminder that it could possible slip away from me, so I hold on close to it. Also, I know one day life could end for me at any moment. That’s why I repeatedly continue to put my vision and how I think life should go into the Atmosphere. I always make sure my character reflects my actions. I don’t have time to take my goals to the graveyard with millions of others who failed to fulfill the life they always wanted, because they were scared of how others may look at them.
Never think it is too late to start on your dream. Don’t procrastinate too much on yourself and your true worth. When feeling down I want you to grab a pin and jot down your visionary blueprint. Don’t let the majority of others that are around you get your down and tell you your vision is bologna. Keep your distance from stragglers that are against you and keep your head up.
Being successful at what you do isn’t going to be an easy task. Keep up the good faith and learn from your mistakes. You will to through rejection and turmoil, but keep at it before you give up on yourself eternally. See life isn’t here to like you and you should understand that at the lowest level possible. When heartaches come your way due to disappointments, remember that you are the one that dictates which direction you want to go. Live free and do you. We don’t have much time. Don’t waste it on other people’s thoughts.
When it comes to dreams, majority of us like to put them on pause. Maybe you had a child and had to hang it up. Probably the dream became so big and far away you lost hope and gave it up! On another note, you probably let so many people around you tell you that it wasn’t possible and you threw it away due to low self-esteem and lack of confidence.
When it comes to your dreams you shouldn’t automatically become sleepy, tired, nor disgruntled. When it comes to your dreams you shouldn’t just end up falling asleep without working on whatever it is that completes you as a individual. Dreams doesn’t require sleep feeling sorry for yourself for giving up. They require determination! They require a strong work ethic! They require DESIRE!
See many of us in America have gotten too relaxed. Oh, I’ll just go to sleep to run away from reality. Oh, I’ll just rest my eyes before I wake up to reality, where my life is really a living tragedy. Change you! In order to be great, you have to first change you. Before you claim that your surroundings suck or your life is terrible, you have to dig deep and find yourself. See if you could get up, make a difference, and stop acting like a B*tch!
Growing up in the inner city it brought many struggles. One I could vividly think of is the many lack of opportunities that comes with living in poorer inner cities. Coming from these broke populated areas, drug dealers and rappers take over the lower income community. First thing we see when we cut the tv on are “gangsters” and that’s through rap videos, convicts, dropouts, and media display. It’s not just on tv, but even outside or inside of our homes. We just don’t see daddy putting on a suit!
See, coming from these poor areas we don’t see many black successful men inside of these communities, so we majority of the time follow the bad examples. You have to think many of us in these high criminalized poor areas don’t even see our own dads as successful, so now we lack that self-confidence even more. Lack of opportunities doesn’t just reopens the cycle it keeps it going in the inner poor communities.
In order to change the cycle we have build the community and make it stronger. That’s through reaching new limits such as higher education and self-education. Giving these young black boys something to be proud of. See we lack self esteem coming from these communities, due to no food in the fridge, dead end jobs, daddy not in the home, not having the best house/car on the block, and etc., so in order to turn it around we need to educate ourselves and learn how to build wealth.
BIG Fact #1
About everybody sucks at money…….
– This means everybody shouldn’t be giving you suggestions about how to spend and what to do with your money. This is how I will explain it to you. If you grew up in poverty, it probably isn’t the best idea to take advice from anyone inside your community when they say go and buy a brand new car or a new couch from Mrs. Kelly. Live like no other now and sacrifice the urge to consumer spending, just to live like no other in the near future, while many people are still playing the famous game of Cat-Mouse.
BIG Fact #2
Getting rich to retire only takes 10 years……
– Many people will say this is false, but I have done too much research to even think any other way! There are people out there who could leave the workplace anytime of the second if they wanted too! Even if you wanted too you could still work afterwards, but it feels 110% better doing it because you want too not because you have too!
BIG Fact #3
Work is better when you don’t need the money…….
– This goes back to BIG FACT number 2! Would you love too work knowing you are already financially set? Knowing you are just adding on to your net worth and enjoy the work you do? YES, I KNOW YOU DO! Instead of dragging your feet in the morning after a long night at a job you hate, you could wake up in the morning with some dignity. With the world in your hands and your future at your fingerprints. You would be possibly clocking in because you love your career, not because you hate it!
Question 1: How would you describe Poverty?
1.) Poverty is being at the lower level and unable to get to the top or escape what I call the rate race, because many lower income poverty areas the people inside of the community are strictly in survival mode. So, it’s a continuous cycle of not being able to escape, because many don’t see a way out of the struggle or poverty.
Question 2: How much money is considered enough, when talking about yearly Income/Salary?
2.) Enough money is never enough money, because as we see, the more money, the more problems.
Question 3: What ages do you think of when you hear the word Retirement?
3.) Between the ages of 50-65 Years Old.
“Think about it with me”!? They don’t put the real Millionaires on TV, they only advertise the Flashy ones. The ones who buy 3,000$ suits, but the average millionaire only spends 47$ on a suit from JC Penny. They don’t show you the ones who spend 3 nights in a row at the kitchen table writing a budget, they show you the ones who just spend 100,000 on Shoes out of Lennox.
You have to understand how America programs your minds too consumerism, which is instant gratification. See if they showed you these Real Millionaires who may even stay next door too you, you will be confused and TV will lose ratings and stores would lose value. They don’t show you the ones who are trying to build a legacy, they show you the ones who have it temporarily.
I know, I know! You are completely tired of running out of money before the end of the month or the next pay period. You are anxious to take a different route of advancement but feel stuck because you have too many priorities and feel as if you are stuck. The 9 to 5 isn’t working, you are spending more than you make, and when you ask for help you have nobody even though you give too anybody. I know! That’s why it is time for a change.
Today is January 5, 2018 (Friday), which is another day you have to make fast decisions with your life and which direction you want to go. Another day to get up and stop listening to others who have no right to tell you what your next step should be. Take affirmative action and take the lead. Take the lead on your income, spending habits, investments, and job of preference. Listen to me, you may be broke, but you are young! You have plenty Years of risk, so snap out of your sh*t and make sh*t happen. There is no time to feel sad and depressed. Conquer that demon and get ahead of yourself. You owe it to yourself to be bigger than you are at this very exact moment!
Additional Steps to take in order to be a Winner:
1. Write down your goals
2. Leave out bullsh*t
3. Step up to the new challenges
4. Get out of your Comfort Zone
A lot of us Black Folks didn’t have discussions at the dinner table about saving and investing, so that’s why a lot of us grew up with poor financial habits. We watched our parents struggle and beg for money from auntie nem, now most of us doing the same thing. See you have to educate yourself on finances and break that chain before your kids go through the same cycle.
It’s time we stop dying and leaving our kids with nothing, meaning they have to start over left with no advantage to get ahead, leaving them to start completely over at Ground Zero.
Let’s just hope the nigga could dribble a ball, run a touchdown, or get a record deal, am I right? Oh, let’s don’t put him over here with these Business Men who actually learn about finances and investing in the Stock Market. It is time we wake up or we will forever be left behind, thinking a sport could out beat Financial Literacy.
I know times are rough, but we can still manage to put up for a rainy day and invest for retirement. We have to do better with the income we already have, because if we don’t we will just spend ferociously. Our mindsets have to change and that means through education.
Growing up in the Black lower income community we get the wrong message when it comes to building wealth and gaining ownership. I can fully vouch for those words, because I use to receive the wrong message myself before branching out and gaining Financial Literacy for myself. We fully don’t understand the concept of “ownership” and “living below our means” in order to make some financial gains, which leads us as a collective group to the concept of Blowing Money Fast.
Majority of us work like slaves to make ends meet, but still find ourselves in a financial cluster. Many of us still find ourselves digging deeper in debt with no plan to get out, which is horrible. We are quick to pay the landlord, but never think in the shoes of the landlord. We are quick to blow money on expensive denim made by non-black individuals, but we don’t think for once how to make our own denim to make a profit for ourselves. We are backwards and confused and if we don’t change we will only put our future generations in a deeper whole, just as a large vast of our ancestors left us.
In order for us to be considered as valuable to the economic world we have to change our habits with money. Bad money habits need to be put at a halt. Black people as a whole have to start having a plan with the money we earn. Start thinking as a producer instead of a consumer and you will start to develop a better concept of how money flows. Become the leader of your cash flow instead of watching it just slip out of your life. Learn how to invest, save, and manage your finances or stay broke the rest of your lives, which is no way anyone should live this one life.
“Your Finances is your Number 1 Priority” – Justin A. Starks