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Which is Better Generational Renting or a 50-year Mortgage?
Recently, Ms. Constance Carter, Wealth Advocate, wrote an opinion piece on “the 50-Year Mortgage Is a Trap, not a Path to Black Wealth.” She goes at length into contextually the 50-year home loan as a bondage, but that’s not accurate. Considering you can pay off your debt as soon as possible through expedited payments with your lender, her Op-Ed is far from accurate. Go beyond that, her attack on home ownership seems negligent to the point of full advocacy of becoming generational renters. Since the peak in 1860, black homeownership plateaued at around 44%. This wouldn’t be so bad if most of that ownership centered around the Boomer generation. You…
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How to Prepare Financially for the Next Government Shutdown
Wow the 2025 Government shutdown lasted longer than we thought it would. Time to prepare financially for the next one in 2026.
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Overcoming a Furloughed Halloween? A Massive Financial Surprise in October!
Financial Scares, Inflation issues and High price frights. Alas we made it through October. Just maybe we can survive to end 2025 post tariffs?
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We hit $2 Million in September! We made it!
September 2025 cemented our climb to multi-millionaire status.
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Understanding The Time Value of Building Real Wealth
Investment thunderstorms, repairs and setting goals. Building wealth has never been harder but we can make it through.
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This ChatGPT Inspired Stock Portfolio is Beating Average Investors?!
ChatGPT is beating the SP500?! Well time to consider going beyond the index and chill model.
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You Now Need $100,000 Salary to Become Millionaire in 2025
More People Should Build Wealth. It's Easier than You Think. Most Millennials Can and Should Consider Becoming Millionaires. It starts with $100k.
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Investments Gained $175,000 YTD. Time to Celebrate by Cleaning?!
A small but meaningful TNFG July celebration is in order. We don't expect much from Q3 so here's hoping for a solid year end close out of +5% to +11% growth.
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How to Revise Your Financial Game Plan Post Multi-Millionaire Status
The only thing that changes in a good financial plan is perpetual change. In August 2023, my household hit a net worth of $1,000,000. We were officially millionaires in an era when we were told it was impossible for people like us. My wife, in her infinite wisdom, said, “We aren’t millionaires until we both have a million.” While that didn’t mathematically make sense in any realm of accounting, I figured it might be best to push for the $2 million target. On July 19, 2025, my wife and I reached our latest milestone of $1,900,000 in net worth. We are now just $100,000 away from $2 million. While my…
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+$227k Reasons to Do a Mid-Year Financial Review
Recap. The stock market tumbled on March 2020 but rebounded by the end. It rallied through 2022, and took a nasty dive due to inflationary fears. But we rebounded through 2024. Q1 2025 was a disaster then Q2 came roaring back. You really can't time the market. Just keep buying as needed.
