Wealth Building Series

Has been wanting solar power since 2018! When I first looked at solar power, the sticker price was $32,000. With the change in supply and demand, the price has dramatically DECREASED to about $19,000. My family shared the hook up and now I can refer homeowners to get solar panels installed with NO UP-FRONT costs! DM me so I can share the hook up and read more about solar panels @ https://thephiladelphiacitizen.org/solar-community-west-philly/ (The Philadelphia Citizen is one of my favorite COMMUNITY BASED news outlets!)

is explaining the student loan b***y trap. Colleges get an A+ for marketing! The education system entices students and parents into believing that college is the "ticket" to good jobs. Parents buy into a college for 4 or 5 years without knowing the price. Parents are willing to sacrifice their financial future (PLUS loans) and the future of their children (student loans) based on the reputation of said institution. The reputation usually is not predicated by actually getting students employed but by the athletic team of the school. Therefore, this game is emotional not logical. Young people rack up liabilities from student loan debt, auto debt and credit card debt (https://www.washingtonpost.com/.../credit-card-debt.../), then they are FORCED to work in jobs that they don't even like trying to get out of debt. The debt becomes "normalized" so these young people become the next generation raising their children, continuing to work and racking up more debt through homeownership. The debt does not allow people to follow their dreams but stay stuck in the economic system. I didn't make a statement of net-worth which measures ASSETS - LIABILITIES until I was in my 30's!
Now, let's turn the table. The average job is paying $15.00 an hour without a degree. $15.00 an hour times 2000 hours in a year is $30,000 per year. In 4 years without taking on college debt, young people can make a ninimum of $120,000. If they learn how to discipline their spending habits in those 4 years, it is much easier to get on the INVESTOR pathway. Examples of financial discipline for youth - Set up IRA accounts, live at home instead of paying rent, buy a used car with CASH, start a business, give to charity, etc. The investor pathway starts with OWNERSHIP. The easiest investments are stocks and bonds. Technology has advanced financial transactions in such a way that fractional shares can be bought on Cash App. Young people have the opportunity to ESCAPE the b***y trap of debt by INVESTING.
Photo credit - https://digital.olivesoftware.com/.../ShowArticle.aspx... #

had a great run AND found some SAVINGS (I am using my new word)!!! I love my coins Ma sha Allah. Upper Middle class mindset means automation. I have been setting the system to automate expenses and can finally see the benefit of automating SAVINGS. I'm rounding up!! Round up is when the bank rounds purchases to the dollar and INVESTS the change in the savings account. I love Sofi for allowing me to get paid early, split my paycheck between banks AND round savings! Have you tried Sofi yet? Sofi is giving new account $25.00 when adding a direct deposit -- https://www.sofi.com/invite/money?gcp=0b8c2b48-47df-4b18-9f28-abe8449f50d1&isAliasGcp=false

is 1 month away from paying off the kitchen renovation In sha Allah. Now, I am more prepared to AUTOMATE expenses! Fidelity, https://www.fidelity.com/learning-center/personal-finance/pay-down-debt-vs-invest wrote "For many people, it generally makes sense to first pay down any debt with an interest rate of 6% or greater. This assumes you have at least 10 years before retirement, that you're investing in a balanced portfolio with about a 50% allocation to stocks, and that you're investing in a tax-advantaged account, such as a 401(k) or IRA. If the interest rate on your debt is less than 6% (and again, based on our set of assumptions), it likely makes more sense to invest those extra dollars instead. That's because at lower interest rates, there's a greater chance your long-term investing returns will beat the bang for your buck you'd get by paying your debt off faster. " That's why credit card DEBT doesn't make financial sense. Credit card DEBT, in this example, is a LOSING proposition. Discipline comes into play when a person knows the net-worth COST of the credit card swipe. We can't build wealth with a credit card HOLE in the pocket! The step I'm looking for to automate expenses are credit card balances that do not carry over from month to month!

is LOVING this network! One of my friends introduced me to Bashira Khan of "Saving is SEXY". I didn't know that meeting and her infectious energy would encourage me to SAVE. I shared that I actually do not enjoy saving, I would much rather INVEST. I didn't realize that I actually DO like saving. The story I told myself and the action of SAVING does NOT correlate. Yesterday, I deposited my penny jar that I have saved for about a year in the bank! The total came up to $117.46.

Just conducted the 2nd FAMILY MEETING in my household. Now, I am INTENTIONAL about teaching the financial literacy family system. Tomorrow is the first of the month so the July budget should be completed. One way to ensure that I have mastered the concept is to be able to teach it to someone else. Passing down $$$ without the knowledge to keep the $$$ is NOT helpful. What day do you hold your family meeting?

listens to I will teach you to be rich on Spotify. Ramit Sethi is spot on speaking to couples about how they bring their money mindsets into marriage. I have watch couples break up and couples GET STRONGER as Ramit tries to help couples combine finances. Ramit said "The first lesson is to manage expenses before MAKING more money" I am finally comfortable with the expense column. The middle class invests an average of 5-15% of income. That's not MY goal. If I want WEALTH, then investment goal (including SAVING) is 20%.

is problem solving with FB. When I am problem solving, I talk to others to get different perspectives. Some of the people I talk to come from THIS social media platform. Today's challenge is changing the mindset from LIVE to THRIVE. Most people do not take the risk of losing $$$. The fear of losing $$$ keeps some people in the LIVE lane. To me, the losses are great times of LEARNING. The cheaper way of mitigating losses is COLLABORATION. Successful collaboration is a function of COMMUNICATION. Therefore, the real problem that needs solving is COMMUNICATION.

is doing something DIFFERENT. I grew up with a middle class mentality. 2015 - 2018 was a test of learning how to survive. The public and private education system failed my children. Basically, the education system did what it is DESIGNED to do. I know that what I did in the middle class, LIVE, won't work in THRIVE. I am daring myself to be different In sha Allah. When I started in financial literacy 6 years ago, I didn't have an emergency fund. Then, I wanted to use credit cards as the emergency fund. Now, the emergency fund is 100% stocks. I LOVE Investing! THRIVE requires that I set aside CASH. This is what Camari Ellis tried to tell me 5 years ago. I can be a bit stubborn at times

is about to eat MORE green eggs and halal turkey ham. If you know me, you know that I HATE saving $$$ Subhanallah. I would much rather INVEST but for short-term goals, SAVING is a better vehicle. The book profit first recommends splitting your income into different buckets/accounts. One account could be bills. Another account charity and a third account SAVINGS. My company does not allow employees to SPLIT accounts. Blessed that I can SPLIT accounts with SoFi . Sofi uses the back end application, PLAID, to connect to multiple banks and transfer funds. Sofi also pays direct deposits a DAY before payday! Use the link below to sign up and get a $25 bonus and up to $300 when you set up direct deposit. https://www.sofi.com/invite/money?gcp=b2b54317-91d4-4cab-846e-f8bd36703d2d&isAliasGcp=false I LOVE FREE $$$. Maybe, i will use the FREE money to start saving In sha Allah

it must be Friday!!!!!! Turns out those green eggs and halal turkey ham was SOOOOOO GOOOD for me yesterday Ma sha Allah!!! I found an easier way to AUTOMATE expenses. I need easy breezy book keeping! I don't like automatic withdrawals so Allah t'ala blessed me with a WORK AROUND! I can SEE more green eggs and halal turkey ham in my future In sha Allah. I better get used to the taste. The last few years I ate lots of HUMBLE PIE!!!

is reposting day 4 of the "WE NEED EACH OTHER" campaign. People do not ONLY learn in school. WE learn from our experience and the experiences of others (for those who REFLECT). Out of the 146 graduates in my high school, 144 were going to college. WE bought into the life curriculum of 1) go to college 2) get a job 3) save money 4) buy insurance 5) buy a house 6) retire 7) die. Luckily for me, I had sisters/friends who bought into the entrepreneurship journey. One sister started a hair salon and another followed after her mother to open a day care center. I bought the house while they bought houses and INVESTMENT properties. Since I completed my journey with nothing left but retire and die, I took a leap of faith and JUMPED ship! Now my children have WAY more career choices than I had. My loyalty is for the sisters because my OCS (only child syndrome) is out of control. The more sisters I have, the more intense my OCS becomes. When a sister showed me what a co-wife (friend, help-mate, etc..) is supposed to look like, I went all in! Unfortunately, people are petty and consider "talking about each other" as not liking each other. If I am talking about YOU, I am trying to LEARN. Just because someone else is a negative nanny, I choose NOT to become one. My friends talk about me to try to understand why this crayon needs her own BOX

spent the morning updating the http://www.youtube.com/ page with the videos from mentorship moments. Instead of focusing on hurting each other, let's focus on building our financial capital. WEALTH is a team sport. I am actually encouraged by the 2024 team Alhamdulillah!

Wealth Building Series You are ALREADY Wealthy. Financial Wealth begins with mindset to manage money. The channel is designed to help you become a better money manager to access WEALTH within your reach.

is documenting the process for the next generation of Wealth Builders. Money is ALL around us but everyone is not aligned to SEE it. Being in Awe of the Creator and his divine destiny allows one to SEE beyond the surface. Moving from the marketing machine that sells LACK into the space of ABUNDANCE is not an easy journey. It is a WORTHWHILE journey. I had to become more aware of the negative spiritual, mental and physical energy and MAKE A DECISION to change. I WAS PART OF THE PROBLEM. Once I stopped trying to change the world and focus all that energy on bettering myself, the world started to change. Training your brain is a combination of mind, body and soul! It really is possible to be grateful by making sincere intentions that require LOTS of patience and get more by using LESS In sha Allah (God willing). I am STILL working on the patience Ma sha Allah!!!!!!! BTW - my mom has been telling me to LIVE beneath my means since I was a teenager

is sharing an image from the course - "How to have discipline without having discipline". I designed this course for parents who desire a Wealth Mentality for their children. There is $$$ all around us, IF we are thinking is aligned with ABUNDANCE. I thought I finished this slide last week, with 14 areas of found money but this weekends' experience found 2 more - CASH tips and FINANCIAL tips that lead to CASH. Money is ALL AROUND US. We have to ask ourselves how do we THINK? Society has trained us to think in lack so we have to rewire our brains to think in ABUNDANCE.

is sharing the MINDSET I share with my children. Like most college students, I started my working career in DEBT. I had a nice settlement from a case but was UNEDUCATED on what to do with $$$. Learning to manage money is a SKILL just like riding a bicycle. It is NORMAL to fall off a few times to get the balance right. I am STILL paying for a financial mistake that happened 24 years ago. That's why I'm sharing "How to have discipline WITHOUT having discipline". I did not know that money management decides if one can end up broke, poor, middle class, upper middle class or rich. I have to decide which day this week will be the NO SPEND day !

took the good energy from the 3.26 run (just a little over 5k) and worked on my course. This is a quote from David Bach, author of The Automatic Millionaire. Survival mode is "the save nothing" and "the spend everything you make stage". If you learn to live within your means, middle class is attainable with a disciplined financial approach to $$$. Middle class is the goal for the teachings of traditional financial literacy. I have to INVEST in new mindsets to get to the NEXT LEVEL. Blessed that the WEALTHY mindsets are coming from women WHO LOOK LIKE ME. Pray for me y'all. In order to get a different result, WE must do something different! Thank you Rachel Rodgers. Rachel believes that WE SHOULD ALL BE MILLIONAIRES!!! Yep, I read that book too on a recommendation from coach Jasmine Williams!!!!

is reposting from 2022! Capitalism is comparison. We are asked to compare houses, neighborhoods, vehicles so we can BUY more. Self-worth is NOT determined by material possessions, income, net-worth, real estate, businesses, etc.!!! There are classifications to categorize people just to compare! My self-worth is determined by internal thought patterns of how I see myself (self-reflection). I feel blessed by the Almighty with an obligation to give. My self-worth does not change whether I'm married or single, a stay at home mom or business owner, having money or being classified as "low-income", running a business or working a job, having a car or taking a Lyft. At the end of the day, it's all a made up game. Advancing my education, outside of school, allows me to see the phoniness of a racially biased, financially motivated system. The objective of the game is to take $$$ from one group of people and give that $$$ to another group of people. That's the Amerikkkan way.

because sharing IS caring The Arc of Philadelphia!!!

REPOST from 2015 "is making people uncomfortable. What I have learned is that people LIKE to live in assumptions. It is my honor, duty and pleasure to break those assumptions. Here are the ones I have broken so far:
1) Not all women want (which is different than should) to be married although marriage is an economically beneficial tool...
2) All women are not domesticated
3) Women are NOT stupid
4) Women who smile at a man are not easy
5) Disobedience does not mean one does not believe
6) Black does not mean poor
7) Wealth is not a synonym for $$$
I am very comfortable with me (and therefore with others) so I recognize this is not my problem. When you know who you are, no one else's "assumption" matters."

T. Harv Eker said "Your beliefs lead to your thoughts... Your thoughts manifest your feelings... Your feelings translate into action (or inaction) " I truly believe that WE are already wealthy. That's why sincere charity is an IMPORTANT ACTION step that strengthens the abundance belief. Nidhi Sharma , https://www.linkedin.com/pulse/good-enemy-great-nidhi-sharma/ wrote "Getting out of the comfort zone is a big challenge, however, before that, I think the bigger challenge is believing we are made for greatness." The question is not what makes me believe in the WEALTH mentality. The relevant question is what did society sell to make you think otherwise? May the 4th (of the month) make you a believer!!!!!

is taking inventory! At 8:45am this saturday, I will be looking at the great finds located @ the West Philly Tool Library In sha Allah. I am the general contractor on a BUDGET!!!!

is explaining the method to my madness. As you know, Reading and learning are some of my favorite activities! Teach others increases the retention rate to 90% and a discussion at 50% retention is more effective than reading at just 10% retention rate. Book club is an ACTIVE learning process. In order to complete Wealth Builders steps, there is concrete work! Sometimes the work is to UNLEARN the not-so good financial habits! RSVP@ https://www.eventbrite.com/e/rich-dad-poor-dad-wealth-mentality-book-club-tickets-883053214937

is reposting from 5 years ago. I wrote "Though I dream of building a 3 story financial house, I am still building the first floor. I have been stuck at family planning for a VERY long time. Wealthy people plan for generations not the day, week or the month. Marriage is a wealth building principle. Now, I know so I work ON ME!!!!!! $$$$instayingTOGETHER " Earlier this year I attended my 3rd marriage class on zoom. Starting May 22nd at Masjid Al-Kauthar in Wilmington, DE, I have the pleasure of attending marriage class #4 In sha Allah.

unlearn that low-income means LACK! My favorite type of clients are low-income and the available WEALTH BUILDING tool are PROGRAMS. PROGRAMS use the tax code to see who qualifies. That is why I encourage clients to FILE, I said FILE, taxes.

is collaborating with the contractors too! When I paid Jasmine 3 years ago, I restarted this defunct company and got my general contractors license. NOW, I know how to generate revenue in the company. Generally, I hire contractors to vet them and see who has the communication skills to become partners. In my vision, contractors are also devlopers. This weekend gave me time freedom to run a 5k, go to real estate class and finish the website - http://www.nuprosperityinvest.com

has paid Jasmine Williams about 3 or 4 times now. A great teacher stays a student. I have known Jasmine as a real estate agent, and investor, a real estate educator and now as a coach. 2 weeks ago, I invested in her class AGAIN for the accountability but came out with an EVEN BETTER strategic plan. The currency of capitalism is money. The currency of SPIRITUALITY is GIVING. The wealth that I seek is NOT in a capitalistic realm but in the spiritual realm. Now, I have the pleasure of paying forward the GIFT that she gave me. BTW - the run was great too (then I had to go to class!!)

Competition comes from a LACK mindset. Abundance says there is enough need for FINANCIAL LITERACY that I am doing myself and a community a disservice by not sharing the WEALTH of resources who TAUGHT me!!!! You all keep competing. Because I know EXACTLY who I serve, I will keep collaborating In sha Allah :-)

believes in WE and FREE!!! MCAP is a 6-week bootcamp on Drexel’s main campus that is designed to help participants become their professional best while learning about the manufacturing industry and preparing to begin a rewarding career in a dynamic industry.
In MCAP, you’ll work with our dedicated instructors and staff to gain more knowledge and develop even more professional skills, all while learning how to accentuate what you already do well and apply it in the workplace.

DURING YOUR 6 WEEKS IN MCAP YOU WILL:
Bolster employability skills and acquire industry knowledge
Earn Lean Six Sigma and Osha-10 certifications that matter for manufacturing
Connect with local employers with immediate openings
Practice the skills needed to get hired and thrive on the job. Classes start April 29th, 2024. Apply @ https://drexel.edu/goodwin/academics/continuing-professional-education/workforce-development/MCAP/