#DontBeBrokeBeWoke

2021 is here! I am sure many of you are excited to leave 2020 behind and look ahead of a new year and new opportunities. With that I want to caution you not to make some huge prediction, or resolution for the year such as, this year I am gonna lose 20 pounds! Though that may be a year end goal,  you get all excited when you starts and then by February you lose focus. You tell yourself: "I have plenty of time." But do you have plenty of time? The longer you wait to start, the more difficult it will be to get started.

Just like setting new weight goal for 2021, new money goals can be as daunting. I remember the first time I said, i am going to save $2500 in a year, when the most I had ever saved was 300 bucks. it took me a few tries but eventually I got there by setting smaller short term goals to get me to build a habit. $20 a week for 8 weeks and then you change it to $50 and so on and so on.

So for today, let's look at some money moves we can make early to give us good habits for the rest of the year.

If you ever wanted to ask any questions, please email me at [email protected] or visit the @dontbebrokebewoke Facebook/Instagram pages.

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Is it possible to travel the world without having to pay for anything? Yes, it just takes some time to listen to today's episode and learn this hack by using the power or credit cards.

If you ever wanted to ask any questions, please email me at [email protected] or visit the @dontbebrokebewoke Facebook/Instagram pages.

Because these offers change frequently…I would recommend checking out the following sources which list the best  offers each month:
https://thepointsguy.com/
https://www.nerdwallet.com/

Click on the link below for step-by-step guide for new investors and many more
https://linktr.ee/dontbebrokebewoke

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You just got a little extra money and you want to invest in stocks that were heavily hit by the pandemic. The hope is now we have a vaccine and those stocks will explode. Let's take a look at the travel industry for example, between airlines, cruises, hotels etc, they have been battered and though many of those stocks have recovered from their march lows ( when the pandemic was declared) a lot of them still have a LONG way to go.

So today, we are gonna try to look at the many companies/stocks within that industry and find the one we could possibly invest in that could double or triple our money in 2021 or beyond.

If you ever wanted to ask any questions, please email me at [email protected] or visit the @dontbebrokebewoke Facebook/Instagram pages.

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After 13 episodes and over 1000 downloads, I wanted to use today's episode to answer some of your important questions. Over the past 2 months, i've gotten a lot of questions and intend of spreading them out via multiple episodes, I am using today to answer your many questions.

If you ever wanted to ask any questions, please email me at [email protected] or visit the @dontbebrokebewoke Facebook/Instagram pages.

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Ever heard of a Health Savings Account or HSA? If so, I am sure you know of it as an account to help pay for your qualified medical expenses such as deductibles, copays or maybe even your eye glasses. However, did you know that the HSA is also one of the best Retirement Savings account around? Yep, it may even be better than a Roth IRA or a 401K by offering an array of tax benefits,  3 of them actually, that the others don't offer all together. In today's episode we are going to talk about these benefits, answer the question if he HSA is right for you and why you should definitely look at this account as another potential retirement account.

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You have a 401k right?
Great, that's an awesome first step. Now what?
How much are you contributing?
Do you know if your company is matching? How much do they match?
Have you looked at where your money is invested inside your 401k?
Are the returns on par with what you are looking for?

Yes, these are ALL questions you should know while you sign up for your 401k or know after you've contributed to it. Your company 401k is a powerful vehicle towards financial independence and retirement.

Click on the link below for step-by-step guide for new investors and many more
https://linktr.ee/dontbebrokebewoke

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When you buy a property and rent it out, you get rental income. You made an investment and for years, you are gaining appreciation on that house and some passive income without doing anything. Well unlike rental income, which requires a pretty nice chunk of money to buy the property, there are a lot less expensive and easier ways to make passive income. With just $1000, I want to share some ways to make that money work for you. I caution you however, if you are expecting to hear how that initial investment of $1000 is making you $1000 in a year, this is not it. Instead, you will learn how that relatively small investment, when invested in Stocks, Index Funds or bonds, can pay you  income just to be invested in them. How and why is what we are discuss in today's episode.

If you ever wanted to ask any questions, please email me at [email protected] or visit the @dontbebrokebewoke instagram page for daily content.

Click on the link below for step-by-step guide for new investors and many more
https://linktr.ee/dontbebrokebewoke

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Many of us know know that having credit is important. But so many of us, don't understand how credit works. On today's episode, I will define what makes up our credit score, what are the metrics that impact the score both positively and negatively. In addition, if you don't have any credit and you want to start building credit, what are the many ways you can go about doing that. For those of us who have credit but it's poor, do not discourage. There are many ways we can work to slowly build our credit from poor to credit. On this episode, I will help us discover all those ways so that we can start fixing our credit together.

Click on the link below for credit repair guide and many more
https://linktr.ee/dontbebrokebewoke

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I used an instagram poll last week asking what people wanted to listen to: Credit Repair/Building or Side Hustles. Via a small margin, Side Hustles won! A lot of us have more free time now than we did pre Covid, and we want to find ways to make some extra money safely. Well there are numerous side hustles you can do from home,  from your couch, actually from your bed, that you can do TODAY, to help you make some extra money. Making money o the side is not a sign of weakness, it is a sign of strength, it is a path to achieve financial freedom a lot quicker and in some cases, to help you retire even earlier. On this episode, I will talk about some easy side hustles that you can start today.  As always, these are just suggestions, please research these recommendations for more details AND most importantly, look for other types of side hustles. There is something for everyone out there, all you have to do is look!

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So many of us are in debt and we don't even realize how we got there. To make matters worse, we struggle with how to get out of debt. Should we make more money to pay those bills? Should we spend less money? What bills should I prioritized? these are just some of the first questions we asked. The most important question in my opinion is: Do I know what my debt is? The answer to that question seems easy enough, until you start to dig and become overwhelmed with what you find and how to handle it. Starting the process to becoming debt free is exciting, daunting, scary, freeing and whatever other word you want to use. The one thing that is CLEAR, one cannot be financially independent, if you don't tackle your debt ( notice I did not say debt free).

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