If you don’t appreciate a penny, you don’t deserve a dollar.
Money doesn’t start with millions. It starts with mindset.

People pray for big money while disrespecting little money. They waste dollars but dream of thousands.

They ignore pennies but ask God for abundance. That’s not how it works.

Kaizen — The Power of Small Improvements

There’s a Japanese word that quietly changes everything: Kaizen. Kaizen means continuous improvement. Not an overnight success.Not massive leaps.Just a little, intentional progress—every single day.

In Japanese, Kai means change. Zen means good. So kaizen literally means change for the better.

Before 2025 ends…Pause.

Not to celebrate .

Not to complain.

But to prepare.Because how you close a year determines how you enter the next one.

Let’s talk about 

10 things you must do before 2025 ends if you want 2026 to be different.

When you start leveling up — financially, mentally, spiritually — you automatically become a mirror.

Your discipline exposes their laziness. Your growth exposes their stagnation. Your courage exposes their fear.

And instead of rising with you, some people choose to resent you. Because envy is easier than accountability.

You can’t be broke in 2026.
Not again.Not another year of “almost.”Not another year of fear, excuses, or settling.

2026 is the year you change your financial story — permanently.

Let’s talk about how.

1. You Can Pass Down Skills
Skills outlive paychecks.When your kids learn discipline, emotional intelligence, financial literacy, leadership, and problem-solving…They can win anywhere.The world can take your job, but it can’t take what’s in your mind.⸻

2. You Can Pass Down Assets
Assets don’t get tired.Assets don’t retire.Assets don’t ask for vacation days.Real estate, investments, intellectual property, a brand, a business — these things can continue to grow even when you’re not here.And the beauty is: these are things your children can inherit.⸻

3. You Can Pass Down a Business
A job ends, but a business evolves.A brand grows.A system continues.A legacy multiplies.You can build something that your children don’t just receive — they expand.⸻

4. You Can Pass Down a Mindset
Maybe the most valuable inheritance is this:The mindset that says, “I don’t just work for money… I build for the future.”
Because your children will copy what they see, not what you say.

The rich don’t just have different habits —they have different beliefs.
And if you shift your beliefs, you shift your life.

1. Leverage, not labor

2. Ownership over employment

3. Long-term thinking

4. Solving big problems

5. Money as a tool

6. Learning before earning

Your transformation starts in your mind. Change the way you think, and you’ll change the way you live.

Foolishness gets attention for one simple reason:It’s loud.It’s dramatic.It’s unpredictable.It breaks the pattern — and human nature is wired to notice anything that disrupts the normal flow.People don’t stop to admire wisdom…but they will stare at a disaster.They will slow down for chaos.They will react to noise.That’s why foolishness spreads.It entertains.It triggers emotions.It gives people something to talk about — even if it adds no value to their lives.But here’s the part most people miss:Attention and value are not the same thing.

Being broke is a wake-up call.
A signal that something in your habits, your mindset, or your decisions needs to change. It’s your life tapping you on the shoulder, saying, “Hey… pay attention. This isn’t sustainable.”
And here’s the truth: When you’re broke, it’s not your character being tested —

it’s your willingness to learn.
Your willingness to grow.
Your willingness to take responsibility for your financial life.

Most of us are trained—by life, by trauma, by fear—to immediately picture the worst.We ask: “What if it goes wrong?”
“What if they say no?”
“What if I fail?”

But today, I want you to flip that.I want you to train your mind to ask a new question:“What if everything works out?”

Every moment you’re stressed, anxious, or overthinking…There’s a negative movie playing in your mind.So the first step is simply to notice it.Ask yourself:• “What story am I telling myself right now?”
• “Is this fear or fact?”
Most of the time, it’s fear.And fear is just imagination in the wrong direction.