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How America created a Damaged Generation destined to go Broke
Stats and Facts that Keep People Broke Every generation swears by specific brands. From Millennials to their bitter rivals, baby boomers, to the newest rivals Gen Z, and forgotten Gen X. The king of media today is likely DISNEY with NETFLIX bowing out, however, the true ozone destroyer and landfill regulator is Amazon. According to a Morning Consult study, we all can’t stop the constant easy shipments to our homes. According to the Consumer Expenditure of 2018 (updated September 2019), the average household income (pre-tax) in the United States hovers around $78,635, with average expenses of $61,224. After taxes, that’s pretty much breakeven for most people. But what if your household isn’t keeping up? Going Beyond Average…
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How We Ended Up Closing Out 2019 with Audacious Goals
Closing out the year filled with ideas, goals and self-imposed deadlines. 2019 was an interesting year, to say the least. I think I accomplished a lot of pieces of my vision board and will continue to improve on the areas that I lacked. I’m looking forward to the next Vision Board to get together if people want to link up in the DMV. Just some magazines, glue, boards, creativity, and follow-through. Did it for the 30M on Google Maps (since my Instagram gets avg. 20 likes) 30,786,871 views as of 12.4.19 From country hoping to a few Podcast features to chilling on the couch watching Naruto and Demon Slayer. I deleted about 3,500 acquaintances…
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How to Buy Your First Affordable Home or Condo in Your 30s
Welp, I’m 30 plus. The plus part doesn’t matter because the next milestone is either crippling depression, also known as a midlife crisis or 50 years old. Yep, it doesn’t get any prettier. After searching the internet for information (Google), reading 1 article, and skimming through 5 other headlines; I am now a faux expert. “Self-Made Millionaire: Not buying a home is the single biggest millennial mistake”, in which David Bach is quoted saying that the biggest single mistake millennials are making is not prioritizing homeownership. “If millennials don’t buy a home, their chances of actually having any wealth in this country are little to none”. In all seriousness, I always recommend that you do your…
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Figuring Out Credit Scores, Credit Karma and Credit Cards
After getting a grand total of $16 donation bucks from 3 of 125 people that liked my picture on Instagram, I was motivated to write this “How to Credit Score Improvement Plan” thingy. Seriously, thank those three benevolent souls because I would have given this specific write-up, a side-eye. But I’m gonna link the FinCon homie Marko, since he is good at explaining this stuff, and MissBeHelful (cuz ya should know her too). Here’s the outline I came up with on the DC metro for about 8 minutes: Know your real money issues. The credit score is merely a report card. Where did all that interest go? There are rules to this. Budgeting is still a…
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Black Media and the Future of Black Wealth in America
So… So What? Now What? When writing an article like this, some assume that you have a vendetta or an ax to grind with Black news/media. Once published, one can also welcome the regal title of “Hater” or the intellectual critique of famed lyrical poets such as Clifford Joseph Harris, Jr. (T.I.) who would undoubtedly stop at the title, just to cut me off to say, “that’s some Bullshit!“ The latter, T.I repeatedly stated in the same video that he appreciates the tax benefits that the Republican party offers him but he will be dammed if he will not benefit off the backs of his own people first. Yeah, he said that.…
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The Best Tax-Free Health Insurance Savings Account
A quick question that I received today (10/9/19): What company do you have your Health Savings Account (HSA) through? And how did you set it up? I was waiting for the new employee orientation to sign up for my benefits. It was useless. Poorly put together. And it was a waste of time. A total cluster. He goes on to say, “Even worse, the official that handles benefits, and they didn’t even show up for the orientation. Total cluster. I called once I got back to the office only to find out they knew absolutely NOTHING. It was clear that I was speaking to a woman who set up her benefits decades ago and hasn’t…
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The Ultimate Millennial Millionaire Health Insurance Benefit That You Don’t Want to Miss Out On!
First, you are probably asking what’s an HSA. And Who are these good-looking doctors? (Shamelessly) The latter is just clickbait. You are now trapped into reading a 5 min article all about Health Saving Accounts (otherwise known as HSAs). Welcome to learning. The Internal Revenue Service’s (IRS) definition of an HSA: …A tax-favored medical savings account available to taxpayers. HSAs enable taxpayers to pay for current medical expenses and save for future qualified medical expenses on a tax-free basis. HSAs are owned by individuals, but contributions may be made by an employer or any other person. Amounts in an HSA may be accumulated over the years or distributed on a tax-free basis…
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How to Break the Paycheck to Stress Cycle Beyond the Pandemic
Becoming More than Average According to the Bureau of Labor Statistics, the median wage for workers in the United States was approximately $45,000 per year for a 40-hour workweek (as of December 2018). Granted, salaries vary significantly based on experience level, occupation, educational attainment, and location. Some college graduates in professional, technical, and management occupations earned an average of $65,000 annually. Others in service-related industries earned an average of $30,000 annually. No Matter How We Spin It, We are Living Above Our Means While Generating Stress. In larger cities like New York, Atlanta, and Washington, DC, jobs tend to pay more and are often adjusted to the cost of living increases vs…
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How to Survive the next Financial Recession with the Net Max Strategy
Was it last week or the week before; people panicked yet again. The flashy headlines, DOW plummets more than 800 points after Trump orders US manufacturers to leave China, Brace for a stock market drop if the Fed’s Powell doesn’t yield to Trump, The economist who first linked the yield curve to recessions sees ‘pretty high’ chance of downturn, Recession coming late 2019, Michael Jackson Stages Epic Come Back, Aliens Attack Mars, etc… All of this prompting, FB and social media hindsight punditry because they obviously already know it was coming since 2016. It’s sensationalism at its finest. I still remember people threatening to move to Canada if Trump became president. …
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5 Easy Steps to Boost Your Linkedin And Get Noticed
Alainta Alcin stated that I should do a “How to Improve Your Linkedin” article. For one, she is not the boss of me so “NOPE”. I didn’t want to at first. Once I began clicking around on my profile, it became clear that I had tons of gaps. My first job at McDonald’s was on there for no reason at all. Just taking up space. There were grammatical errors and job description Copy + Paste moments. Who was I fooling? It looked like a sophomoric mess. How to Improve Your Linkedin Make the changes, hopefully it makes more “cents” for you in the end. See you are not alone in this endeavor.…
