Marcio Jose Sanchez/Associated Press

He tells you the system is unfair. However, he is making millions of dollars every year because the system is set up how it is.

To be clear, when I refer to “system”, I am referring to the capitalistic marketplace that our economy in the United States is based on.

Lebron James is not only a superstar athlete that is paid hundreds of millions of dollars. He is also a brand, a face, a businessman, who has prospered abundantly because of the capitalistic marketplace in the United States.

I mean, let’s just stop for a moment and think….Where else on…


Photo Credits: iStock

My family’s relationship history is not the best.

3 generations in my family have produced offspring out of wedlock.

If there’s a cliche or a saying for this type of generational dilemma. Please insert here:

Now, throughout my life, my parents have always said that the reason they aren’t together is for several reasons.

As I can recall, out of the right side of my ear, my dad would say it’s all my mom’s fault. And conversely, out of the left side of my ear, my mom would say it’s all my dad’s fault.

If I had a penny for…


Once, it’s up. It’s up

Photo Credits: https://www.liquidplanner.com/

Nostalgically, we always look back on a year and gleam at how fast time has passed.

As it seems, time does indeed go by fast in hindsight’s view.

However, almost always, when we are in the moment of life, time seems to not move fast enough.

Time Can Be Either An Asset Or Liability

In my earlier years of college, I enjoyed smoking marijuana, and it was actively consumed in my life as a consistent pastime.

For those of you who have smoked, the euphoric feelings of some good bud might be familiar to you. If you haven’t smoked… I digress.

When I…


Here’s what I learned

Photo Credits: Credit Karma

I have a confession to make.

As much as I’d like to continue to discuss relentlessly why you should only buy assets and avoid liabilities.

I wouldn’t be human if I didn’t talk about the what, why, and how that led me to become more financially responsible.

So, here goes nothing.

I charged $2,000 on my credit card for the downpayment on my 2020 Toyota Tacoma, and today, I’d like to share why I did it and what I learned.

I began to realize I have a problem


Photo Credits: Google

It’s not what you make; it’s what you keep…

Our American/Western culture has taught us that if we ever want to have substantial savings, we need to also have substantial income as well.

As I talk to peers in our age bracket, I’ve become aware that most of us either don’t know what a budget is, don’t care, or don’t possess the knowledge on how to budget effectively.

I’ll leave you to decide which category you align with.

In whichever case, the first misconception we must untangle in our brains is that we must make lots of money to be able to save money.

When I was 16 years…


Photo Credits: Google

One day you will be unable to produce income

Envision the 70-year-old you and ask yourself, “Do I want to be barely making ends meet, or do I want to be living a comfortable, happy, and content life into retirement?

I’ve had close friends tell me when I suggest possibly alternating their spending habits, “money comes, money goes”. “I can’t take it with me so imma spend it while I am here”.

Now, while it is true you cannot take money with you once your time on this earth is over. …


Life is all about your perception of things.

During my first year of college, I was horrible with my personal finances, addicted to nicotine, and living a miserable life… to say the least.

On average a pack of cigarettes ran me about 7 dollars every two days, and I was eating out like there was no kitchen in sight. An average meal was costing me about 10 bucks and if we multiplied that by breakfast, dinner, and lunch it is not a surprise I was broke.

Two outcomes came from these poor decisions. First, I always felt like I didn’t…


Photo Credits: https://www.discoverwildlife.com/animal-facts/mammals/facts-about-tigers/

Every living animal, person, place, and or thing is governed by its inherent nature.

Nature can be most closely defined as a set of inherent characteristics to which a being is predisposed to.

Moreover, in cavemen's terms, humans are predisposed to seek out food, water, shelter, and companionship because all of these traits help perpetuate the continued existence of the human species.

To this point, in our modern society, humans are now predisposed to a number of other characteristics such as morality, values, and personality.

Likewise, a natural predator such as a tiger is predisposed to similar characteristics for survival…


Photo Credits: Google

Did you know a person’s culture is 95% percent attributable to whether a person achieves success or not?

According to the LiveScience website, culture is defined as, “the characteristics and knowledge of a particular group of people, encompassing language, religion, cuisine, social habits, music, and arts. … Thus, it can be seen as the growth of a group identity fostered by social patterns unique to the group”.

Now, for most of us, we may think of culture as the ways and customs of a certain group of people and that is an accurate definition.

But,

I’d like to define culture…

Joseph C. Malone

The scope of my existence is only to help young adults learn to live a purposeful and fulfilled life. http://www.createabrighterfuture.com

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