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It has been predicted (based on current financial data) that by the year 2053, the median income for Black Americans will be zero. This means that half of Black Americans will own nothing. Building generational wealth is how to ensure that you and your family are protected from poverty. Our financial empowerment will only become a realty when we become sellers rather than buyers, producers rather than consumers and owners versus renters. This book lays out the mindset, financial knowledge and skills Black Americans must acquire to build long lasting wealth. This book teaches you to always live below your means; how to budget and stick to it; how to maintain a high credit score; how to Invest as a group; how to buy a home and invest in real estate; how to invest in the stock market; how to pay yourself first; why you must spend your money at businesses that reflect your values and hire your children; how to support and encourage entrepreneurship with family and friends; black church investing; how to protect and grow your wealth; and the benefits of giving back to your community. The author David W. Fontaine owned and operated an Allstate Insurance Agency that generated over 50 million dollars in revenue. He has over 30 years of financial, management, business investment, public policy and political consulting experience. He served on the Board of Directors for the Redevelopment and Revenue Sharing Commission, the Sacramento Black Chamber of Commerce and the Allstate Insurance Foundation. He holds a Bachelor of Arts in Economics from Gonzaga University and studied at McGeorge School of Law.
"The Black Financial Bible" is a groundbreaking book that empowers individuals in the Black community to take control of their financial destiny and build a legacy of generational wealth. Authored by Kai Starr, esteemed tech CFO, seasoned investor, and advocate for financial empowerment, this comprehensive guide provides practical advice, insights, and strategies to navigate the complexities of personal finance.In this transformative book, Kai Starr explores the historical context of the racial wealth gap and sheds light on the systemic barriers faced by the Black community. From breaking free from the chains of financial constraints to leveraging cooperative economics, government programs, and the power of the vote, readers will gain a deep understanding of the factors that influence their financial well-being."The Black Financial Bible" covers essential topics such as budgeting, saving, understanding credit and debt management, investing, and real estate ventures. Kai Starr's relatable approach and wealth of expertise make complex financial concepts accessible to readers of all backgrounds. Whether you are a seasoned investor looking to refine your financial acumen or a beginner aiming to gain familiarity with personal finance, this book provides a roadmap to financial success.With a focus on long-term wealth-building strategies, Kai Starr guides readers through investment options, retirement planning, entrepreneurship, and the art of salary negotiation. The book also addresses common life phases, including saving for a wedding, purchasing a home, starting a family, planning for college, and preparing for retirement."The Black Financial Bible" is not just a book; it is a movement that seeks to dismantle financial inequities and foster economic empowerment within the Black community. Through engaging narratives, practical tips, and real-world examples, Kai Starr ignites a financial revolution, inspiring readers to overcome financial challenges and build a brighter future.Take charge of your financial journey, unlock your financial potential, and create a lasting legacy of prosperity. Get your copy of "The Black Financial Bible" and embark on a transformative path toward financial freedom and generational wealth.
If you're looking for actionable financial literacy tactics to create generational wealth and prosperity, this is a GREAT place to begin. The best way for people of color to reach the pinnacles we strive for is through financial literacy. It's the best way to create wealth and pass on a legacy of knowledge and financial freedom to choose our own path and foster a NEW wave of financial confidence and influence. Every chapter of this book dissects how money passes through our community, the concepts and principles of wealth building, and most importantly, how to build wealth at every stage in your life. If you're ready to take action, plan your future and generate wealth for your family and community, pick up A Step-By-Step Guide to Building Wealth from $1 .
How to hold onto hard-earned prosperity.
Millions of Americans are stressed over money. They are broke, struggling and afraid. Jobs are disappearing and the black community has been consistently hit especially hard with various forms of severe economic despair. In light of these challenging times, it is critical that we create innovative solutions to deal with these very serious problems. The old models of job-seeking, hoping for the best and spending till you drop will be neither empowering nor beneficial tell our children. So, it's time that we prepare them to be economic competitors in the 21st century. The Black Millionaires Of Tomorrow Program was designed by Finance PhD Dr Boyce Watkins as a creative, simple, effective, no-nonsense solution to the wealth gap that plagues the black community. Using very simple models and light-hearted examples, Dr Watkins and his team of experts have developed a curriculum that can put your child ahead of the curve when it comes to economic preparation and financial sophistication. This program will set your children apart from the pack and make a difference for the rest of lives. We congratulate you for making this very important investment.
"Empowering Wealth: A Financial Literacy Guide for The African American Community" is a transformative book that aims to empower individuals within the African American community with essential financial knowledge and strategies. Authored by Dr. G.R. Quarles, this guide offers practical insights and actionable advice to help readers build a solid foundation for financial success. From understanding budgeting, saving, and investing to tackling debt, managing credit, and building wealth, this comprehensive resource covers a wide range of topics relevant to personal finance. With a focus on addressing the unique challenges faced by African Americans, the book provides culturally relevant examples, real-life stories, and practical tips to inspire and guide readers towards financial empowerment. Whether you are just starting your financial journey or seeking to enhance your financial literacy, "Empowering Wealth" is a valuable companion that equips you with the tools and knowledge needed to navigate the path towards financial well-being.
"The old models of job-seeking, hoping for the best and spending till you drop will be neither empowering nor beneficial for our children. So, it's time that we prepare them to be economic competitors in the 21st century. The Black Millionaires Of Tomorrow Program was designed by Finance Ph.D. Dr. Boyce Watkins as a creative, simple, effective, no-nonsense solution to the wealth gap that plagues the Black community. Using very simple models and age-appropriate examples, Dr. Watkins and his team of experts have developed a curriculum that can put your child ahead of the curve when it comes to economic preparation and financial sophistication." --Publisher's description.
In the heart of every woman lies the potential for prosperity and financial independence. "Black Wealth Matters" is not just a book; it's a powerful guide designed specifically for Black women, offering a transformative path to economic empowerment and wealth building. This pivotal resource dives deep into the racial wealth gap, providing not only insights but actionable strategies and wealth building strategies tailored to overcome the unique challenges faced by Black women. Unlock the secrets to a positive money mindset and master the art of savvy financial planning, as Zara Trace shares the untold stories of Black women wealth creators who've navigated the treacherous waters of economic disparity to claim their rightful place in the world of wealth. From mastering debt to revealing investing secrets, this book is a comprehensive financial freedom guide that lays out a roadmap to financial literacy for Black women, empowering readers to build their economic resilience and thrive. Whether you're on a quest for financial independence or seeking empowerment through investing, "Black Wealth Matters" provides the wealth management tips and financial literacy essentials needed to chart your course. Discover proven strategies for debt mastery, savvy investing, and creating a legacy of wealth. Be inspired by stories of economic empowerment as you embark on your own financial independence journey, equipped with the knowledge and tools to navigate the path to prosperity. "Black Wealth Matters" is more than a book--it's a call to action for Black women everywhere to embrace their strength, resilience, and untapped potential. It's time to embark on your empowerment journey with "Black Wealth Matters: Smart Financial Moves for Black Women." Unlock your path to financial freedom and claim your space in the world of wealth today.
A new approach to understanding money and achieving financial fulfillment Former Vice-Chairman of the U.S. President's Advisory Council on Financial Literacy, John Hope Bryant, delivers an accessible and powerful resource for everyday Americans seeking to build a strong financial foundation. This book is an easy-to-read first step toward a fulfilling financial future, helping you understand your relationship to work and money, and a key component to untangling the surprisingly simple puzzle of personal finance. With an insightful foreword by Doug McMillon, President and CEO of Walmart Inc., you'll learn how to create wealth for yourself and your family, regardless of your educational or employment background, and how to establish a financial mindset that contributes to a sound future. You'll also discover: The answers to tough money questions, including the actual utility of new financial inventions like cryptocurrency How to think about exchanging your time and effort for money and the conditions under which you should agree to work Plain-English discussions of the principles of responsible long-term investing and how it differs from speculation Acting as a critical pillar for those seeking to build a rock-solid financial foundation, Financial Literacy for All is a must-have book for working professionals, blue-collar workers, members of young families, and established businesspeople looking for a better, more secure future for themselves and the ones they care about.
This is not another boring personal finance book! Are you tired of spinning your wheels following financial advice that leaves you feeling broker than before? Are you pulling your hair out trying to follow the complicated instructions offered by the gurus? In The Black Girl's Guide to Financial Freedom, Paris Woods takes the guesswork out of wealth-building and presents a plan that anyone can follow. Paris spent years working in education and wanted to find a way to build wealth without changing careers or taking the traditional real estate or business routes. This book is the result of years of research and practice that helped her find a simpler path. Through real-life stories coupled with clear and actionable advice, you will learn to: - Build generational wealth- Avoid common financial traps- Earn your next degree debt-free- Achieve financial independence and retire early- Design a dream life you can start living todayThis book is perfect for Black women of any age, including young professionals just starting to set financial goals and mid-career women who are tired of following the same old rules and are ready to live life on their own terms. If freedom is your goal, then this is the book for you.