Self-Improvement

I haven’t lived very long yet, but inching closer to decade number 3 is still a respectable amount of time. I’ve learned many lessons and acquired a modest amount of wisdom, knowledge, and understanding along my life journey from personal experiences, but mostly from observing the failures and successes of others.

Here are my 56 pieces of truth that I’m thankful to share with everyone today:

Lesson 1

Invest as early as possible, and never stop.

Lesson 2

If you can’t handle a credit card responsibly, wait until you’re ready to own one; doing this will save you plenty of financial trouble.

Lesson 3

Paying off…

Personal Finance

Do you want to level up financially? Implement the following 14 habits, and notice a change in your finances instantly. Some things just work; it’s that simple.

The 14 Habits

1. Invest 15–25% or more of your income

That’s right. Not 10% of your income. 15–25%+ of your income. I always believe 25% is a better way to go, but that’s a personal preference. Your savings rate will grow as you acquire more income, and this will help you establish 5 things:

• Financial security
• Financial freedom
• Financial peace
• Financial discipline
• Financial elevation.

Most people save nothing or save around 10% of their income. Those who save around 10% of their income…

Money

Tip 1

Keep your rent/mortgage payment 10–15% (or less) of your net income.

Tip 2

Avoid car payments. If you decide to take on a car payment, have the cash (in your bank account) to buy the car outright.

Tip 3

Keep your net worth positive — at all times.

Tip 4

Always have a minimum of 5 streams of income. But aim for at least 10+ streams. Never depend on one source of income. Diversify. Diversify. Diversify.

Tip 5

Budget daily. Keep track of your money daily. Always know what is happening when it comes to your money. Be in the know.

Tip 6

Stay in charge of YOUR money. Never…

Brief Context

One of my close friends — for over 10 years — and I recently started chatting about racism and equality after all of the events took place in 2020.

What bothers me about some of her opinions and information is that she gets them from only white people or Candace Owens (who only offers a skewed view on racism). Furthermore, she does not really have any Black friends (except one other she told me about), and I know that she will never truly understand what many Black people go through because her circle is limited to mainly white privileged people.

…

Personal Finance

I recently wrote an article called, “I'm Still Driving the 1st Car I Bought 10 Years Ago.” I’m expanding on the article because I never hear the end of it when it comes to my car, which looks to be in fairly decent condition if you ask me.

People In Debt Encourage Me to Buy A New Car

I find it intriguing that people with negative net worths are encouraging me to get a brand new car. They have the following thoughts about my relationship with my “beaten” down car:

• I don’t know how to let go
• I deserve to drive a car that matches my income
• I’ve had my…

Philosophy & Racism

Often, when I see someone pull out their phone to record something evil taking place instead of doing something to prevent it, I feel a bit irritated.

In the case of George Floyd, I keep wondering to myself, why didn’t the pedestrians and primarily the police officers (other than Derek Michael Chauvin) watching the murder of George Floyd not do anything.

How does it feel to watch one of your peers murder someone with their bare hands, knowing you had the potential to stop it? What does this kind of unused power feel like?

Ignoring The Helpless

Christy Martin, a world champion boxer…