Why you don’t need a master’s degree to succeed

April 6, 2015

Money advice for those getting closer to retirement

April 6, 2015

What people really think about the young urban investor’s e-book

April 6, 2015
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As I’ve been talking to more people about their finances I realize that there is so much to be done before you can start investing. Many people put investing in their top financial goals, but as I sit down to talk with them there are other goals that they should be focusing on first. Like getting rid of credit card debt, getting in the habit of paying bills on time, making sure they have an emergency fund just in case something goes wrong. This is why my next book will focus less on investing.

A few months ago when I was doing a live radio interview, there were many older people calling in asking questions about investing. What’s a Roth Ira? Really dumb it down for me I don’t have a 401k they don’t offer it at my job if you can break down how to buy a stock?, how to invest in a stock?, what stock is good?, what to invest in in your 401k?  What is a stock? How much money do I need to get started? If I put in $1000 today, how much money will I have next week? Even recently when I spoke at the NACCP’s Women’s First annual Hat Brunch many women in their 50s had no idea what a Roth IRA was. “I know you focus on young people’s finances, but what about us older folks. These aren’t conversations we’re use to having so we need the smallest molecule to understand how do we begin, where do we go from here.” they asked me. AHHHHHH… It was a little overwhelming for me. Scary even, something bigger than myself. It’s not just young people that need help with their money its older people too.

It put what I was doing into perspective because teaching about finances in the black community is needed. I’m glad that my book The Young Urban Investor’s was a good conversation starter. It covered the basics of what you need to know in order to get started. Although I wrote my book in simple terms, investing is complicated. There’s so much more to be learned besides what I wrote in the book. Things that I myself still need to learn. Which I have no problem learning I believe that the day you stop learning is the day you stop growing, and who wants to be stagnant?!

Just like in order to stay at a consistent weight you need to think of the food you eat as a lifestyle change and not as a diet. You also need to think of your finances as a lifestyle change. You won’t be a pro at investing after reading one book, you must continue to keep feeding that wonderful brain of yours. I’ve been slacking on my reading lately, but once I get back on track (this week) I will let you know which books that I’ve found helpful.

The younger you learn the better off you will be. I know everyone wants to think that they’ll be young forever, and that 30 is the new 20, but either way you put it you are growing older. The longer you procrastinate taking care of your money, the less time your money has to work for you. Below I have gathered a few responses I have gotten about my book. I’ve decided that my book The Young Urban Investor’s will be available until This Sunday, April 12. I will then remove it from my site and start focusing on my next book.

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“I have just finished your book, and no joke I could not put it down once I started. Investing became a serious interest of mine and I was scared and confused of where to start.   I want to thank you for creating a beginners guide to investing especially since I have been on my path to financial freedom and taking my finances more seriously. I was able to use the highlight feature in the PDF program and I can tell you there is a rainbow now.

With that said, my favorite part of the book is when you gave quizzes through out the reading to make sure the reader truly understands the terms and concepts. For someone with an engineering mind, it helped me understand the concepts a lot quicker. Most investing books can seem dry, but with your style of writing and attitude, made it seem fun and easy to keep up with. I was not bored at all!”

“Once again, you booked has given me a great foundation in investing and I am eager to learn more. ”

“I enjoyed reading your e-book. I def do not read enough and I’m trying to read more haha..so I’m glad your book was an easy read ! Right now I contribute money to my savings, 401k, Roth IRA and my house of course! So I def want to invest in stocks/mutual funds – and excited that I know how to open a brokerage account now!  Which I plan on doing with part of my tax refund soon.”

“I really enjoyed reading your e-book. I enjoyed it because I felt that it not only opened my eyes but the eyes of other young individuals like ourselves to do something more positive with our money instead of spending frivolously. Also the fact that you didn’t go to in depth about each topic was great because it’ll give the reader something to look forward to in your 2nd installment of your potential book series. ”

“I thoroughly enjoyed it. It was clear-cut and concise. Investing always intimidated me because I’ve never been a numbers girl, but your book gives me the confidence I need to grow my wealth.”

“Thank you so much for your E-book and I think it’s a great step in the mission to help OUR people understand the importance of taking control of our finances and generating cash flow that can be past down for generations to come! ”

“ I have read over half of it already and I must say that the level and simplicity of it style is truly unique.”

“This is so what I needed. Oddly enough I opened an account years ago with the intent of starting to invest but fear of losing money, not knowing where to start, and just not understanding how it all worked stopped me from ever going forward. Watching the finance shows everyone suggested just made it more confusing! Believe it or not I finished your book last night! It was great. The examples were clear, to the point, and comparisons just about all of us can relate to–a much more comfortable place to start. Thanks for putting this together. I am off to start building my lists.”

“ I have been telling everyone I know about your book. I finished reading it yesterday and it is a great beginners guide to personal finances and investing.  Thanks to the advice you have given I can feel more confident starting my investment portfolio.”

Thank you to everyone who has purchased my book and who was even kind enough to give me feedback. I will be sure to implement all your suggestions and apply it to my next project.

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