In this episode we will be talking about the power and important of having a vision for our life. Listen to this episode to learn the difference between having a dream and a vision for your life, as well as tips on how to get started on creating a personalized vision.

During times of reflection, it’s essential to distinguish between dreaming about the life we want and actively creating it. Dreams, by definition, are cherished aspirations—ambitions or ideals that often float in the realm of possibility but lack concrete plans or timelines. In contrast, a vision is much more than a dream; it’s a personalized roadmap to achieving the life you desire. While dreams make us feel good, visions transform those feelings into actionable plans.

As highlighted in this podcast episode, and Issue No. 5 of the Women Books and Business Newsletter, a vision is the ability to plan for the future. It’s what bridges the gap between dreaming and doing. A vision is your personalized roadmap which includes setting goals and milestones that keep you on track, ensuring that your dreams aren’t just fantasies but become attainable realities. It is by having a clear vision and implementing it that you can make your dreams come true.

Having a vision is the key to taking control of your personal economy and life, enabling you to achieve the financial security and personal fulfillment you deserve. Whether you’re just starting out in life or looking to redefine your future, now is the best time to create a vision, so the rest of your life can become the best of your life.

Here are four questions to help you get started with creating your personalized vision:

To connect with our host, Tashaya Singleton, send an email to [email protected] or join The Secrets of Earning Money Show Facebook Group If you would like our host to assist you with your business, insurance or financial goals send an email to [email protected] or visit www.clickTJS.com

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This is Black Business Month and we are celebrating all month long. In this episode we talk about Black Women-owned businesses and a pathway to long-term business success.

Many Black women entrepreneurs are driven by financial necessity, the underutilization of their skills in the workplace, and the desire for freedom. These motivations

Black women in business are not seeking handouts—they are seeking a fair opportunity to compete. With access to the right networks, mentors, and resources, Black women

To connect with our host, Tashaya Singleton, send an email to [email protected] or join The Secrets of Earning Money Show Facebook Group. If you would to

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Today we are talking about the 4-Essentials of Leadership. Be sure to listen to this episode to get tips to help you elevate your leadership skills.

Many people associate leadership with holding a title or being in a position of authority, but true leadership is far more profound. Leadership is about character, influence, and the ability to inspire and guide others toward a shared vision. Whether in business or in life, strong leadership skills are essential for long-term success. To truly elevate your leadership and make a meaningful impact, there are four key strategies that every effective leader must embrace:

Leadership is not a destination—it’s a continuous journey of growth and self-improvement. Confidence, communication, trust, and life-long learning are not just strategies but lifetime commitments that help leaders navigate the complexities of both business and life. By embracing these four essentials, you’ll not only become a more effective leader but also make a lasting impact on those around you, driving success for yourself, your team, and your organization.

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Have you ever thought about what would happen to your business if you were sick or injured? How long could your business last? What would be the impact on you and your family’s quality of life? Without a solid business protection plan, you and your family’s financial security could be at risk.

In the event of a disability, having Disability or Worker's Compensation Insurance is crucial for ensuring that you still have a source of income. For example, a roofer who becomes injured and can no longer work would face not only the loss of income but also the ongoing business expenses.

Business Overhead Insurance can cover your business’s regular expenses, like rent, utilities, and payroll. However, it does not provide for the personal income for the business owner.

Life insurance is another essential part of family and business protection. You can add the disability income and long-term care (LTC) insurance options to your policy, to help manage the cost of insurance.

You can also safeguard the future of your business after retirement, disability, or death, with a Buy-Sell Agreement. This when a partner or friendly competitor buys out your share of the business, and your family is paid either in cash or in cash plus royalties. To protect your family from the stress of trying to run or sell a business they might not be prepared for.

If selling your business is your retirement plan, that could leave your business in limbo without a solid plan. Do you have a family member ready to take over, or to sell your business to? Because unfortunately only 15% of businesses make it to the third generation. Selling your business to a trusted employee can save your family from difficult decisions and division, while also maintaining the quality of life you’ve worked so hard for.

A successful business protection plan also requires a solid team of professionals, often called your BAIL Team:

Without a proper estate plan, your assets may be lost to probate or family disputes. With the right documents in place, your wealth will be distributed according to your wishes, protecting both your family and your legacy. This also ensures that your business and personal assets go to the individuals or charities you designate.

Finally, business protection planning is intertwined with financial wellness. A strong financial foundation includes saving, investing, smart tax planning, and careful management of both business and personal expenses. By doing so, you can ensure the longevity of your business while also maintaining your quality of life in retirement and providing for your family's future financial security.

Proper planning is the key for maintaining the business and life you’ve built. It protects both your family’s and your own quality of life, allowing you to leave a legacy you’ve worked hard to create. With a well-constructed business protection plan, you can be sure your business will continue to thrive in the event of retirement, disability, or death, providing security for the future and peace of mind in the present.

To connect with our host, Tashaya Singleton, send an email to [email protected] or join The Secrets of Earning Money Show Facebook Group. If you would to

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Life insurance is like a safety net for your family's future. But for many in the Black community, there's a mix of good news and challenges when it comes to life insurance.

Did you know that more than half of Black Americans have life insurance? That's a step in the right direction. But here's the thing: about a third of them don't have enough coverage. That means if something happens, their families might struggle financially.

It's not just about the present, either. Many Black folks wish they'd bought life insurance when they were younger. They understand the importance of being prepared for the unexpected.

One of the big reasons people get life insurance is to cover funeral expenses. Funerals can be expensive, costing anywhere from $3,000 to $15,000. And no matter your age, the cost stays the same. So, it's crucial to have enough coverage to handle these expenses.

But life insurance does more than just cover funerals. It helps your family keep their quality of life if something happens to you. It can replace lost income and ease financial stress during a tough time. And for parents, it can give them the flexibility to focus on their kids' emotional needs after a loss.

Now, you might hear people arguing about which type of life insurance is best—term or whole life. But honestly, it depends on your situation. The most important thing is to have a policy that pays out when your family needs it.

That's why it's essential to talk to an insurance pro who understands your needs. They can help you figure out the best plan for you and your family. And remember, building a solid financial team—including a banker, accountant, and lawyer—can give you extra support and peace of mind.

As February, the month of love, unfolds, it's not just

1. Essential Steps to Achieve Financial Wellness

   The journey towards financial wellness begins with self-awareness. Identify your current financial standing by meticulously assessing your income sources, be it from business ventures, employment, or investments, and juxtaposing them against your expenses. This introspection unveils whether you're in a positive, neutral, or negative financial position.

2. Creating Your Plan for Financial Wellness

   Armed with this knowledge, develop a plan tailored to your unique circumstances. Determine if adjustments are needed in your expenses, income, or both, and commit to taking actionable steps towards financial wellness. Seek guidance from a financial professional if needed, make sure they speak your language and offer a plan that resonates with your goals and values.

3. The Impact of Financial Wellness on Overall Well-being

   Beyond monetary concerns, financial wellness can impact various parts of your life, influencing personal and professional relationships, as well as physical and mental health. Financial stress is a silent assailant, contributing to ailments like high blood pressure, anxiety, depression, and diabetes type 2. By becoming financially well, individuals can secure their financial future and also safeguard their

In the journey we call life, financial wellness is a thread

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As Life Insurance Awareness Month unfolds, entrepreneurs are reminded of the critical role life insurance plays in safeguarding their businesses and securing their financial futures. From protecting partnerships to ensuring continuity in the face of adversity, various life insurance policies cater specifically to the needs of business owners.

1. Buy Sell Insurance

   - Crucial for partnerships, buy sell insurance ensures a smooth transition in the event of a partner's death or departure. In scenarios where ownership splits are unequal, buy sell insurance prevents disruptions by facilitating a fair transfer of ownership and preserving the business's integrity.

2. Business Overhead Insurance

   - This policy keeps the business afloat during the owner's illness or injury, covering essential expenses to maintain operations. While it doesn't replace the owner's income, it provides vital support to keep the business running smoothly and allows for tax deductions.

3. **Keyman Insurance:**

   - Keyman insurance safeguards the business's income if a key individual, such as the owner, becomes unable to work due to injury, illness, or death. It can also fund a buy

4. Business Loan Life Insurance

   - Essential for entrepreneurs seeking funding, business loan life insurance secures financial obligations in the event of the entrepreneur's incapacity or demise. It shields

These policies serve as lifelines for entrepreneurs,

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In this journey we call entrepreneurship, success is often

Statistics reveal a staggering reality—approximately 85% of people worldwide grapple with low self-esteem, according to Psychology Today magazine. In recent times, conversations about "Imposter Syndrome" have spread throughout every corner. Yet, knowing the difference between imposter syndrome and low self-esteem is essential.

Imposter syndrome manifests as doubt, negative self-talk,

Overcoming both imposter syndrome and low self-esteem

Equally crucial is creating a supportive environment.

In the journey towards entrepreneurial success, self-love

To connect with our host, Tashaya Singleton, send an email to [email protected] or join The Secrets of Earning Money Show Facebook Group. If you would  like our host to assist you with your business, insurance or financial goals send an email to [email protected] or visit the website www.clicktjs.com.

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As Life Insurance Awareness Month unfolds, it's crucial to

Family is at the heart of life insurance considerations. For

Moreover, life insurance extends its protective reach beyond immediate needs, offering valuable support for retirement planning. Cash value policies like whole life insurance can serve as a supplementary source of

In addition to basic coverage, optional add-ons such as Long-Term Care and Disability Insurance play a pivotal role in comprehensive life insurance policies. These living benefits offer financial assistance in the event of illness or injury, ensuring that you receive the necessary care and

It's essential to understand the nuances of these optional

As Life Insurance Awareness Month encourages reflection on the importance of financial protection, ensuring your love through comprehensive life insurance coverage emerges as a vital step towards securing

To connect with our host, Tashaya Singleton, send an email to [email protected] or join The Secrets of Earning Money Show Facebook Group. If you would  like our host to assist you with your business, insurance or financial goals send an email to [email protected] or visit the website www.clicktjs.com.

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In this episode we talk about the 4 Steps to Financial Security. Be sure to listen to this episode to learn the 4 simple, but not easy, steps you can use to help you create the financial security you desire and deserve.

Step 1: Know where you are financially. Take stock of all your income and expenses. This is your crucial starting point, for plotting your course for journey to financial security.

Step 2: Determine your financial priorities. What matters most to you? Is it paying off debt, saving for retirement, or investing in your children's education? These financial priorities will be the milestones you will set, and achieve, along your financial security journey.

Step 3: Create a financial plan. With your financial priorities in mind, outline actionable steps, timelines, and your milestones for your journey.

Step 4: Regularly review and adjust your plan. Life is always changing, and with that your financial circumstances will change along with them. Regularly reassess your plan, and make adjustments as needed to keep you on course towards financial security.

Achieving financial security is different for everyone. For some, it may entail better money management practices, such as creating a budget and cutting back on expenses. For others it may be exploring ways to increase their income while implementing a simple money management system.

Ultimately, the journey to financial security is more about progress than perfection. Taking proactive steps to managing money effectively, setting clear priorities, and regularly reassessing your plan, you can chart a course towards financial security.

To connect with our host, Tashaya Singleton, send an email to [email protected] or join The Secrets of Earning Money Show Facebook Group. If you would like our host, Tashaya Singleton, to  assist you with your business, insurance or