Tag: financial literacy


Path to a Million: 2017 Q3

Another quarter, another net worth update. This time is no different. My laser focus on keeping a tight budget has ensured continuous success with my net worth slowly but surely climbing through a combination of debt reduction and asset appreciation. I’m adding more to liquid savings, increasing retirement contributions in addition to accelerating my debt ...


Fraud Alerts, Hacks, and Insider Trading

You’d have to be under a rock to not have heard of the Equifax hack that exposed the personal information of millions of customers (143 millions to be exact) that amount to essentially 1/2 of the entire U.S. population. It’s alarming and frustrating because the nature of their organization does not allow us to opt ...


What Can you do with $1,400 a Month?

I don’t know about you, but for me, not much. But according to the Social Security Administration, that is approximately the average monthly benefits that retired seniors were receiving as of December of 2016. This highlights the importance of having limited reliance on Social Security income later in life. It is no longer enough to have ...


Prey to Play: Exploiting Black Misinformation

In a country built on a legacy of race-based abuse and marginalization, it should be a surprise to no one that segregation was the norm until HUD decided to outlaw discriminatory norms that after several decades (excluding centuries of slavery since “property” cannot own property) of people of color, mainly blacks, being locked out of ...


Your 7-Day Guide to Financial Discipline

While you can’t strike it rich in 7 days, you certainly can organize your life enough in 7 easy steps (1 per day) to improve your financial management skills. Monday: Maximize your retirement contributions, either to the maximum amount you can afford or to the IRS limit. If you have not yet started contributing, do at least ...


Financial Insecurity is Back in Style

If you were reading this blog last year, you should remember this story.  Since this is an old story, you probably figured that, better late than never, but she has finally turned her life around. After all, she is (even) older and wiser and has faced enough challenges in her life to have learned her ...


Money: Power & Control

I don’t think it’s realistic to talk about money without addressing the power it holds. There is a reason why poverty begets violence. Money is about resources, survival and livelihood. Our most primal instincts are awakened when money is at play. Access to money and other resources that only money can provide can determine access ...