Independent Thinking Inc.

This past Monday I was invited to speak on my friend's radio show Reverend Grenetta Briggs Mason. We had an interesting conversation on financial literacy, real estate, and even spirituality!

Take a listen while doing some office work, or even on your commute home!

For real estate questions you can email me at [email protected]

Conversations with Rev. G #SpiritualToolKit Tune in tonight for the Queen of Love, Life, and Spirituality as she speaks to her guest from all walks of life on WEM Radio 8pm. EST ...

Help your child start to build their credit now.

This article explains what an "Authorized User" is and how it can benefit your child's credit before they turn 18.

When Should My Child Get a Credit Card? A credit card may seem out of place in the hands of a child, but it could be a great financial and educational tool for your family.

I'd like to thank the young ladies of Mt. Vernon for making our first in-person workshop series a success!

Your valued input on discussion and active participation in our activities made this a special summer 🙏🏼🙏🏼🙏🏼

I hope you will carry the lessons we learned this summer throughout your everyday lives.

Research shows that our money habits are set by age 7. When asking yourself, "When should I start teaching my child about money?" children can start grasping the concept of money as early as 3 years old.

As we get older, we become more rooted in our ways. After 7, we can still make changes in our habits, it will just take a little more effort.

Teach Your Children Well: Money Habits Are Set By Age 7 - Calendar At some point we’ve all struggled with our finances. Maybe you were too young and immature to not realize the power of a budget. Perhaps you lost your job and had to rely on credit cards until you got back on your feet. Even when you’re financially sound, some still struggle with bad money habit...

Financial Tip #19
That dollar you hold today has more power than it will have tomorrow!

The sooner you recieve and invest your money, the more time it has to work to bring you more money.
This is why it's better to receive your money sooner than later.

On top of that- your money also losses its buying power due to inflation!

Understanding that there is a time value to money will allow you to view money differently.

Financial Tip #18
Don't stick in a career where you are not happy or not maximizing your earning potential.

Look for upward mobility at your current job, or for other opportunities that would include a title increase and/or pay increase.

If it's been a while since you've ventured into the job market. It is always helpful to invest in yourself by connecting with a professional to help you update your resume and help you refine your search.
is a great resource that can help you!

Financial Tip #17
Is debt good or bad?

It really depends on your use of debt.
Debt is not to be used on consumer goods that you cannot afford, or an emergency. (We have an emergency fund and insurance for emergencies.)

If you find yourself in bad consumer debt, list all of your debts, identify the interest you pay on each debt, and start paying extra money each month to one of those debts.

Minimum payments make it very hard to overcome debt. Pay more than your minimum on one of your debts until its paid down.

Your main competition is with yesterday's version of you. Dont compare yourself with others financially, as we all start with different resources and have unique relationships whitn money.
Focus within and on building good financial habits, and you will end up where you were meant to be.

Financial Tip #16
Your main competition is with yesterday's version of you. Dont compare yourself with others financially, as we all start with different resources and have unique relationships whitn money.
Focus within and on building good financial habits, and you will end up where you were meant to be.

Financial Tip #15
We are lucky enough to have the internet. Use it to read up on Financial Terms.
Investopedia is an amazing website to learn financial terms and concepts.
Stick with learning a few terms atleast one day a week, and you'll no longer have to feel lost when you hear people talking about money.... you know... money... the thing everyone has to deal with on almost a daily basis.

Financial Tip #14
One of the foundational lessons in understanding money and building wealth.
Buy Assets- things that make you money.
Buy less Liabilities- things that don't make you money.

Many Americans dont have any assets, so they are not putting their money to help them make more money. You can do this by purchasing (Stocks, bonds, things you can flip for a higher price, real estate, things you can rent out).

It's all accessible! Make sure you budget every paycheck. Set aside "Pay myself first" 💰 so you can start buying assets.

Budget some money to buy your liabilities- (since you do have to live) but NEVER go in debt for a liability.

Financial Tip #13
Having a growth mindset is an important factor in making money.

Invest in yourself by taking classes that will help grow your knowledge, abilities, and skills.

Even taking time for self care is an investment in you! Prep yourself so you are in a better position to make smart & profitable choices.

We are in our 3rd week of Financial Literacy Month!
We will cover an introduction to tomorrow night.

Our weekend class will covering & scores!

Have your questions ready.