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  • Starting a Business? No Money? No Problem.

    8 Tips To Start A Business With Little to No Money Business Tips For The Broke The Novela That Has Developed The idea of entrepreneurship has been so romanticized in recent years, and it's like it has everyone thinking that it's for anyone and everyone. If you're not an entrepreneur, you're not cool all of a sudden. I was one of those that thought that way, but in recent years I have come to understand that in reality, it's not for everyone. Can anybody do it? I believe so, but does everyone care to do it? That's a hard no. Not everyone cares for the complexities that come with owning your own business. Some prefer to just have a stable job and that's it. My push back always is; if you're truly happy with your current situation, and you don't live to consistently complain, then do you, the best way you know how. This is not for Everyone I speak mostly to those that live a constant complaint driven life. Nothing is positive, they hate their job, their living situation, their current status, and feel like there is no way out, or possibilities of turning things around. So if you're interested and maybe becoming your own boss, and have kept reading till this point, let's talk about some ways to start your own business. One of the main reasons for not starting your entrepreneurial journey that I get consistently is the lack of funds. Starting a business is challenging, but doing it with no money can really be challenging. It is possible with careful planning and a lot of hard work. Discipline and consistency is a must, no matter what positive goal or action you decide to take in life. I'm gonna share with you guys some tips on how to get started with little or no money up front. If You Stuck Around This Long, Dont Leave Now…… A Few Steps to Get Started With the Bare Minimum: Identify your skills and passions: Look for business ideas that align with your skills and passions, and set some goals around them. Consider offering services or products that you are knowledgeable and passionate about, as this will help you stand out in the market. You can offer services temporarily like cleaning, errands or things of that nature, while you build some capital to expand your true vision or goal. Conduct market research: Research your target market and competitors to identify potential customers and gaps in the market. Analyze their needs and preferences, and determine how you can offer a unique value proposition. Create a business plan: Develop a comprehensive business plan that outlines your goals, target market, marketing strategies, and financial projections. A solid business plan can help you secure funding and guide you through the early stages of your business. Build your brand: Develop a strong brand identity that communicates your values, mission, and unique selling proposition. This includes creating a logo (free options on square space) , website (free option on , and social media presence (facebook, instagram, twitter, tik tok are all free). Utilize free resources: Search and take advantage of free resources, such as online business courses, free marketing tools, and social media platforms, to promote your business and reach potential customers. Bootstrap your business: Find creative ways to minimize costs. This includes working from home, using free or low-cost software and tools, and networking with other entrepreneurs. Leverage crowdfunding: Consider launching a crowdfunding campaign on platforms like Kickstarter or GoFundMe to raise funds for your business. Be sure to offer attractive incentives to backers and promote your campaign through social media and other channels. Lets Wrap It Up: Starting a business with low or no money can be challenging, but it is possible with hard work, creativity, and perseverance. By following these steps and utilizing free resources and creative funding options, you can launch a successful business with limited financial resources. We all start small, and that's ok just as long you show up consistently. Perseverance and discipline are some of the most crucial ingredients for a successful business, and they are also free of charge if you put in the work. If this article has added value to your life in one way or another; Please share with your family and friends. Till next time, stay blessed everyone.

  • The Train to Success Passes at 4:00 A.M.

    7 Life changing Benefits From Waking Up Earlier In my early 20’s, I had a job in a jewelry manufacturing company in the heart of Manhattan. My shift started at 8:30 A.M and ended at 5:00 P.M. It was an hour train ride from my home to my job, so you would assume that I woke up pretty early in order to have enough time to do everything I needed to do, to get myself ready and leave with time to spare so I can arrive ready to start my day. Well we all know what they say about those who assume. This assumption couldn't be any further from the truth. I didn't have the mindset of a winner, in fact I didn't even know what the mindset of a winner looked like. I woke up at 7:00 A.M, and some time later after hitting the snooze button a few times. I took the quickest showers, if that (there were days with no morning shower), and I ran out the house still cleaning off the eye crust, in hopes of making it to the train by 7:45 A.M. I arrived every day late to work, and then I had the audacity to stop on the way; to buy breakfast, and even though I was already late, I would sit in my work area to eat, and would get annoyed if anyone dared to rush me. I would have definitely fired younger me, but by the grace of God they didn't. I Guess The Early Bird Does Get The Worm If this sounds familiar to you, if you can relate to the younger version of me, then you definitely need to keep reading, and discover something that changed my life for the best. Growing up I heard that the early bird gets the worm, and I remember the older people telling me how important it was to wake up early in the morning no matter if you had somewhere to be or not. No one ever told me why it was important, so I thought it was something older people did. It wasn't until I began adapting self discipline, hunger for knowledge, hunger for success, and started identifying clear goals, and plans that I learned about the habits of most successful people. Book after book, video after video about millionaire habits, they all coincided with the habit of waking up early as one of those that will start you on the correct path. Why I Need To Beat The Sun In The Morning We must understand that success is a journey that often requires dedication, perseverance, and a strong work ethic. While many people may associate success with working your face off, and the constant late nights burning the midnight oil, there is a lesser-known truth: the train to success passes at 4:00 a.m. This metaphorical train symbolizes the pivotal moments and opportunities that can propel individuals towards their goals. By waking up early and embracing the early morning hours, individuals can position themselves to catch this train and accelerate their journey to success by beating the sun to the start of the day. So if you were wondering what are some of the benefits to waking up early, stay with me and let me share a few: 1. Embracing the 3 S’s- Silence, Solitude and Spotlight One of the main advantages of waking up early is the silence, solitude and tranquility it offers. In the early morning hours, most of the world that surrounds you is still asleep, and distractions are minimal. When I talk about the spotlight, I don't mean it in the form of bringing attention to yourself, or shining as the star of the show. It's more like putting yourself in the POV of the person operating the spotlight. When you shine a spotlight, you have to focus on one thing at a time. This quiet environment allows individuals to turn their spotlight to one thing and focus on their thoughts and channel their energy into productive activities. Whether it's reading, writing, meditating, or working on personal projects, the early morning offers uninterrupted time for deep work and self-reflection. 2. Increased productivity: Studies have shown that individuals who wake up early tend to be more productive throughout the day. By starting their day before others, they gain a head start and can accomplish important tasks while others are still catching up. Additionally, waking up early allows individuals to plan their day effectively, set goals, and prioritize their activities. This proactive approach sets the tone for the rest of the day and ensures that important tasks are not neglected. 3. Developing a morning routine: Establishing a morning routine is crucial for achieving success. By waking up at 4:00 a.m. consistently, individuals can create a structured routine that sets them up for success. This routine may include exercise, healthy breakfast, meditation, journaling or any activity that promotes personal growth and well-being. Having a consistent morning routine not only boosts productivity but also enhances mental and physical health, leading to a more balanced and fulfilling life. 4. Seizing opportunities: The train to success passes at 4:00 a.m. metaphorically signifies the importance of being ready to seize opportunities when they arise. Waking up early ensures that individuals are prepared and alert when unexpected chances for growth and progress present themselves. It could be a sudden job opening, a networking event, or an idea that sparks in the early morning hours. Those who are awake and actively pursuing their goals are more likely to recognize and seize these opportunities, propelling them forward on their journey to success. 5. Cultivating discipline: Waking up at 4:00 a.m. requires discipline and commitment. It is a choice to prioritize personal goals and aspirations over the comfort of sleep. By consistently waking up early, individuals develop a strong sense of discipline that extends beyond their morning routine. This discipline becomes a driving force in their pursuit of success, helping them stay focused, overcome challenges, and persevere in the face of adversity. 6. Gaining a competitive edge: In today's fast-paced world, gaining a competitive edge is crucial. Waking up at 4:00 a.m. gives individuals a significant advantage over their peers. It allows them to carve out extra time to improve their skills, stay updated in their field, and work towards their long-term goals. By consistently waking up early, individuals can surpass the competition and stand out in their respective industries. 7. Enhancing well-being: Early mornings provide an opportunity for self-care and well-being. Waking up at 4:00 a.m. allows individuals to prioritize their physical and mental health. They can engage in activities such as exercise, yoga, or mindfulness practices that boost energy levels, reduce stress, and enhance overall well-being. Taking care of oneself is essential for success, as it provides individuals with the stamina, resilience, and mental clarity needed to navigate challenges and pursue their goals. To sum things up, the metaphorical train to success passes at 4:00 a.m.(We use 4:00 A.M as an example, the key is before sunrise) Waking up early not only offers solitude and focus but also increases productivity, allows for the development of a morning routine, and creates opportunities for seizing pivotal moments. It cultivates discipline, provides a competitive edge, and enhances overall well-being. By embracing the early morning hours, individuals position themselves to catch this metaphorical train and accelerate their journey to success. So set that alarm clock, embrace the morning, and embark on a transformative path towards achieving your dreams.

  • Understanding the Future Benefits: IRA vs. Roth IRA

    Let's Break it Down so We’re All On The Same Page Take Control of Your Future I need to be real honest here, but I never knew what an IRA account was until I reached my 30’s. Like many minority homes; financial literacy and financial education was never a topic discussed in our home growing up. This is why most of us grow up only thinking that the only ones that can retire comfortably are those who achieved fame, the extremely wealthy, and those that secure a city or civil servant job position. In our minds, the rich and famous were just lucky, so we settle with the thought that we need to aim for the only thing that seems possible for us; a job working for the city or a civil servant position. Basically, job security with somewhat of a retirement option for when we get older. It is so much more common than not, to see large quantities of the working class that have absolutely no retirement plan, figuratively and literally. I mean, they have absolutely no plan whatsoever for when they get older. I think that one of the first and basic lessons people should be taught at a young age should be about IRA accounts, and not only about potential social security checks. I grew up watching groups of people from different areas geographically, but with the same poverty mindset and most sharing two main common goals: Find a so-called government job (civil servant position) with many holidays,vacation time and a retirement plan. Try to get social security benefits as young as possible, and have their living expenses covered without having to work , AKA bootleg version of living financially free. I'm sorry but I have to be fully honest here, if there is nothing wrong with you, and you do not have a handicap that prevents you from working, and you're just bleeding the funds of these benefits, in my eyes you're just being lazy and dishonest. I know this is not something people like to admit or talk about, but I'm telling it how it is, and what my experience has been. I'm sure every country, race, and group of people have their hard workers and go-getters, but also their lazy bunch who try to get the benefits without putting in the work. Anyway back to IRA’s; if people learned at a young that they can start saving for retirement before they even start working, things would be very different for so many people with a few clicks of a mouse, or a quick visit to a local bank. So let's break it down so we’re all on the same page. Let’s talk about the different IRA accounts, there similarities, differences and how to build them to ensure you retire comfortably when the time comes. Take Control of Your Future An Individual Retirement Account (IRA) is a type of investment account that individuals can use to save money for retirement. There are two main types of IRAs: traditional IRAs and Roth IRAs. In this article, we will explain what each type of IRA is, the difference between them, and the best strategies to build them. What is a Traditional IRA? A traditional IRA is a tax-deferred retirement account. This means that contributions to the account are tax-deductible, and the money in the account grows tax-free until it is withdrawn. When withdrawals are made during retirement, they are taxed as income. What is a Roth IRA? A Roth IRA is a retirement account where contributions are made with after-tax dollars. The money in the account grows tax-free, and withdrawals made during retirement are tax-free as well. What is the difference between a Traditional IRA and a Roth IRA? The main difference between a traditional IRA and a Roth IRA is the way they are taxed. Traditional IRAs are tax-deferred, meaning contributions are made with pre-tax dollars, and taxes are paid when withdrawals are made during retirement. Roth IRAs, on the other hand, are funded with after-tax dollars, and withdrawals are tax-free during retirement. The best strategies to stack some racks and build an IRA or Roth IRA: Start early: The earlier you start saving for retirement, the more time your investments have to grow. Even small contributions made early in your career can add up over time. Maximize contributions: Both traditional and Roth IRAs have annual contribution limits set by the IRS. Make sure to contribute the maximum amount each year to take full advantage of the tax benefits and to build your retirement savings faster. Invest wisely: Choose investments that align with your long-term goals and risk tolerance. A mix of stocks, bonds, and mutual funds can help you diversify your portfolio and manage risk. Avoid early withdrawals: Early withdrawals from an IRA or Roth IRA can result in penalties and taxes. Try to avoid withdrawing money before age 59 ½ to maximize your retirement savings. Consider a Roth conversion: If you have a traditional IRA, consider converting it to a Roth IRA. While you will have to pay taxes on the conversion, you will be able to enjoy tax-free withdrawals during retirement. In conclusion, both traditional and Roth IRAs are powerful tools for building retirement savings. The main difference between them is the way they are taxed. The best strategies to build your IRA or Roth IRA include starting early, maximizing contributions, investing wisely, avoiding early withdrawals, and considering a Roth conversion. By following these strategies, you can build a strong retirement nest egg and achieve your long-term financial goals. As always, if you enjoyed this article and benefited from it, all we ask is that you pay it forward and share it with your friends, family and social media followers.

  • You Need To Have This Type of Account

    Bank accounts are not only for saving money and stacking coins like Scrooge McDuck. We need to keep an eye on our expenses and complete easy transactions online. The Checking Account: I'm sure everyone by now knows what a checking account is, but let me put it out there just in case. No, having a checking account does not mean that you need to write checks or use them for transactions, but you do have that option. Checking accounts have become pretty common for users that do not have or want a credit card, but want the convenience of making quick taps on screens or setting up with your smartphone to make payments on the go. A checking account is a type of deposit account offered by banks and financial institutions that allows individuals to deposit and withdraw money as needed. A checking account is a valuable tool for managing personal finances, and there are many reasons why it is important to have one. Lets run through the basics of checking accounts, why they are important, and the best uses for them in your finances, so we can later move on to the more complex terms of personal finance and growth. What is a Checking Account? A checking account is a bank account that is used for day-to-day transactions. It allows you to deposit and withdraw money, pay bills, and make purchases with checks or a debit card. Checking accounts typically have low or no minimum balance requirements, and they offer easy access to your money. Why is a Checking Account Important? There are several reasons why a checking account is important for managing personal finances: Convenience: A checking account is a convenient way to manage your day-to-day finances. It allows you to pay bills, make purchases, and withdraw cash easily and quickly. Security: A checking account provides a safe and secure way to store your money. Most banks insure deposits up to a certain amount, so you can be sure that your money is protected. Record-Keeping: A checking account provides a record of all your transactions, which makes it easy to keep track of your spending and budget accordingly. Access to Credit: Having a checking account is often a requirement for obtaining credit, such as a credit card or a loan. It can also help you establish a good credit history. Best Uses for a Checking Account Paying Bills: A checking account is a great way to pay bills, either by writing checks or setting up automatic payments. This ensures that your bills are paid on time and helps you avoid late fees. Managing Expenses: A checking account is an effective way to manage your expenses. You can use it to pay for groceries, gas, and other everyday expenses, and track your spending using online banking tools. Direct Deposit: Many employers offer direct deposit, which allows you to have your paycheck deposited directly into your checking account. This eliminates the need to deposit a physical check and provides quick access to your funds. Online Banking: Many banks offer online banking, which allows you to manage your checking account from your computer or mobile device. This makes it easy to check your balance, transfer money, and pay bills. It all boils down to this; a checking account is an essential tool for managing personal finances. It provides convenience, security, record-keeping, and access to credit. The best uses for a checking account include paying bills, managing expenses, direct deposit, and online banking. With the right strategies and practices, a checking account can help you achieve your financial goals and maintain financial stability. If you got any value from this article, all I ask is that you please share it with others.

  • How Important is Building Your Credit?

    One Of The Most Powerful Tools To Build Wealth. I remember when I was a teenager, I would hear the adults around me always talking about the things they wanted to do, the things they wanted to buy or the trips they wanted to take. Somehow, many of those that spoke about these things were the same ones that didn't even have a job at the moment; some by choice and others because of the lack of employment opportunities available in Puerto Rico at the time. Then I learned of a magic word that, like a genie granted many people their wishes, even if they really couldn't afford it; credit. So let's talk about it. Credit is an essential part of our financial life. It allows you to make purchases and obtain loans, and purchase these grand and amazing things, even when you don't have the money in hand, but it can also serve as a lifeline in a time of emergency. Just like those annoying tests that you had to take in school, getting a low score can impede you from reaching a higher level (at least when I was in school that's how it worked), a low credit score can make it difficult for you as an adult to reach another level in life, in your business and/or investments. It can be the difference between starting a new business and not. A low credit score can make it difficult to get approved for credit or loans, and if by chance the credit gods are smiling upon you and you do get approved, that money comes to you at a much higher cost than someone with a healthy credit score. So if you are one of those that have a low credit score, it's important to take steps to improve it as soon as possible; and I say it this way because I am assuming you're looking for a path to a better life or even build your own little empire. I grew up listening to a phrase in Spanish that said “La última cuenta la paga el diablo” which means that “the last bill is paid by the devil”. This was usually said when someone knew they were getting into debt knowing it was not the smartest move. Constantly hearing that puts you in a mindset of “hey if I was approved this much credit, I should use it all and get everything I desire because who it's not a big deal if I can't pay and my credit is ruined” without measuring the long-term effects of my decisions. Trust me guys, I know what it's like to fall into the traps of debt, and have life take you to the brink of bankruptcy, where you end up scrambling to make ends meet and struggle to get your life back on track. These types of attitudes towards debt and my credit were one of the first things I had to unlearn to walk the path I walk now. Furthermore I wanted to mention a few strategies that people use (myself included) to fix their credit and start building a better future. Check Your Credit Report: The first step in fixing your credit is to check your credit report. You can get a free credit report once a year from each of the three major credit bureaus: Equifax, Experian, and TransUnion. Review your report for errors or inaccuracies, and dispute any errors you find. There are options such as where you can join for free, and check your credit often to get a general idea of your score, without receiving an inquiry that can affect your overall credit score. Pay Your Bills on Time: Late payments can have a significant impact on your credit score. Pay your bills on time, and if you are unable to make a payment, contact your creditor to discuss your options. Reduce Your Debt: High levels of debt can also have a negative impact on your credit score. Develop a plan to pay off your debts, starting with high-interest debt. Consider consolidating your debt with a low-interest loan or balance transfer credit card. It is often recommended to keep the usage of your overall credit under 30% in order to maintain a healthy credit score. Increase Your Credit Limit: Increasing your credit limit can improve your credit utilization ratio, which is an important factor in determining your credit score. Contact your credit card issuer to request a credit limit increase. Be on the lookout for emails and letters from your credit card company; they may offer credit increases without you having to request it. You should also be aware that when you request an increase on your credit, they may have to do a hard inquiry on your credit which may cause it to shift a bit. Use Credit Wisely: Use credit wisely, and avoid maxing out your credit cards. Keep your balances low, and pay off your credit card balances in full each month. If paying it in full is not an option at the moment, understand that making the minimum payment is never really a good idea since most of your payment may be going to pay interest on the debt. Don't Close Unused Credit Cards: Closing unused credit cards can have a negative impact on your credit score. Instead, keep your unused credit cards open, but avoid using them. I have a drawer where I put all the cards I do not want to use, thus avoiding impulse purchases, and I have that credit available to me just in case. Seek Professional Help: If you are struggling to improve your credit, seek professional help. Credit counseling agencies can provide advice and guidance on how to improve your credit score. Even though it seems like the Government wants to punish those with great credit scores by asking them to pay more, so those who did not protect their credit can be subsidized (look it up) I personally still advise everyone to build credit, and work on fixing it if it's not so great. If you have never opened a credit line, do it now, even if its a secured credit card with $200. Once you establish credit, make it a priority to protect it. Fixing your credit requires time and effort, but it is worth it. By checking your credit report, paying your bills on time, reducing your debt, increasing your credit limit, using credit wisely, keeping unused credit cards open, and seeking professional help if needed, you can improve your credit score and achieve financial stability. Remember, improving your credit takes time, so be patient and stay committed to your goals. If you got any value from this article, all I ask is that you please share it with others.

  • Most People Don't Know How To Save Money

    Let Me Share With You Some Tips and Strategies To Make Your Money Grow Do You Have A Savings Account? So before we jump into things like investing, business, financial freedom, and all that good stuff, we need to look at the basics. Savings accounts. I don't think it gets any more basic than that, or so you might think. According to GoBankingRates, 30% of Americans do not have a savings account, and close to 40% of those have less than $1000 put away. Mind you, this is all in the same country where 97% of American households own a home computer without factoring in laptops, tablets and smartphones. I think it's safe to assume that the vast majority of our society has access to the internet in one way or another, and with that comes the privilege of information that can change our lives for the better. With that, also comes the convenience of online banking, meaning you don't necessarily need to physically go to a bank in order to open a savings account. In my opinion, saving money is one of the first and most important skills we need to acquire when we start thinking about wealth, business, and overall financial literacy. I know there are creative ways to fund a business deal and investments with OPM (other people’s money), but let's be honest, most people won't trust you with their money if you don't know how to manage your own. So let's jump right in. What is a savings account? A savings account is a type of deposit account offered by banks and financial institutions that allows individuals to save money while earning interest on their deposits. The account holder can deposit or withdraw money as per their convenience and there is no limit on the number of deposits that can be made. Key Reasons Why Savings Accounts Are Important: Emergency Fund: Life is unpredictable and emergencies can happen anytime. A savings account is a great way to build an emergency fund that can help you during tough times. Whether it is a sudden medical expense or an unexpected job loss, having an emergency fund can provide you with peace of mind and financial stability. Financial Planning: A savings account can help you achieve your financial goals, whether it is buying a house, a car, or going on a vacation. By regularly depositing money into your savings account, you can accumulate funds for your future needs. Set a goal, make a plan, and stick to it. Higher Interest Rates: Savings accounts offer higher interest rates (some banks more than others) than a regular checking account. While the interest rate on savings accounts may not be as high as other investment options, it is a great way to earn interest on your money while keeping it safe. Make a quick search online on the highest interest paying banks, some may only be available online. Easy Access: Savings accounts offer easy access to your funds. You can withdraw money from your savings account at any time, without any penalty or restrictions. This makes it a flexible option for short-term savings goals. Try your best to not make withdrawals unless it's an emergency with no other option available, you've reached the set goal, or for investing purposes. Budgeting: A savings account can help you budget your finances better. By setting aside a certain amount of money every month into your savings account, you can keep track of your expenses and ensure that you are saving enough for your future needs. Let's Look At Some Strategies To Save Money: Saving money is an important step towards achieving financial stability and security. However, for people with limited income, building a savings account can be challenging. The good news is that there are strategies that can be employed to build a savings account, even with a small income. Create a Budget: The first step in building a savings account is to create a budget. This involves tracking your income and expenses, and identifying areas where you can cut back on spending. By creating a budget, you can determine how much money you can save each month. Set Savings Goals: Setting savings goals is an effective way to stay motivated and focused on building a savings account. Start with small, achievable goals, such as saving $50 per month, and gradually increase the amount as you become more comfortable with saving. Automate Savings: This is one of my go-to strategies. One of the easiest ways to save money is to automate the process. Set up an automatic transfer from your checking account to your savings account each month. This ensures that you are saving money without having to think about it. I set mine to save a small amount on a weekly basis. I pay myself first before anything else. Reduce Expenses: Look for ways to reduce your expenses. This can include cutting back on unnecessary expenses, such as eating out constantly, buying overpriced coffee everyday or buying expensive clothes just for the sake of “keeping up with the Jones’s”. You can also save money by negotiating bills, shopping for bargains, and buying in bulk. Use Cash Instead of Credit: Using cash instead of credit cards can help you avoid debt and save money. When you pay with cash, you are more aware of your spending and less likely to overspend. Later on I'll share some tips on how to use your credit card to make money instead of paying more on interest. Earn Extra Income: I know what you're thinking, yes, obviously this is easier said than done. For those of us with full time jobs, families etc, it can be challenging to earn more when we have so many things asking for our time, but I just want to share the different strategies people have used and continue to use. Consider earning extra income to boost your savings. This can include taking on a part-time job, selling items you no longer need, or offering your skills or services for hire. Take Advantage of Savings Accounts: Look for savings accounts that offer high interest rates and low fees. Some banks also offer incentives for opening a savings account, such as cash bonuses or waived fees. I'm pretty sure you're all aware that building a savings account with a limited income requires discipline and planning. By creating a sense of direction by setting goals, you begin to understand with clarity which way you steer your vessel. By putting into motion a budget, setting savings goals, automating savings, reducing expenses, using cash instead of credit, earning extra income, and taking advantage of savings accounts, you can build a savings account and achieve financial security. Remember, that every single step you take constantly, no matter how small it may seem, it adds to the distance you need that brings you closer to your goal. Even small savings add up over time, so start today and watch your savings account grow!

  • Waking Up To A New Life Journey

    It's insane how you can live with a certain mindset, and one day wakeup to understand that your success is on the other side of unlearning. I spent most of my life believing that my success was one of those things that were out of my control. Most days I asked “ Why couldn't I have been one of those born into wealth?” Based on the location of my upbringing and social class (my environment) I was destined to be a victim of life, and have no control over the outcome, as so many tend to believe. I remember that from the time of my childhood all the way to becoming a grown man; when I thought about wealth, as a minority, or money in general, the thought was that wealth was just not for people like me. Unless I became a famous entertainer that is. I remember even the thought of someday being famous (which I thought was the only way to wealth) would make my family chuckle when I said it out loud. Because of these types of reactions from those closest to me when success was mentioned, I developed an inferiority complex, and I believed that achieving riches and wealth was impossible for me. As a young adult, I dove into the world of entertainment and began involving myself in the music business with hopes that someday I would be rich and I would buy my Mom a huge house thus sweeping her away from the poverty she knew. I was into music production and songwriting, so I could only envision achieving wealth through music. Even back then, while grinding on my “music hustle", I remember always saying, “I only need to find success through music to create wealth, but I don’t want to be an entertainer, I want to be the guy behind a desk writing checks.” In other words, I always wanted to be a boss. With time I developed somewhat of an entrepreneurial spirit, and took a crack at many little business endeavors, from unmentionable ideas I'm not proud of, to food stands, to selling Cds on the street. All this helped me visualize myself attaining a certain level of success and arriving at that boss position I yearned for. As it commonly happens, life changed the direction of everything I thought my future would be. Not only did I become a parent at a young age, but in my early 30’s life transitioned me into single parenthood, and with that came financial difficulties and losing everything I had worked for until that time. At the age of 33 I decided to start a new life, and felt that in order to fully begin a new life, I needed to move away from where I had built my life in Puerto Rico and begin from scratch in the city that birthed me; New York City. I want to be clear that the only reason why I share this is because I want to lead by example; that nothing has been handed to me thus far, that I had to pick myself up, start a new life, set goals, and work towards them without expecting anything from others, or from the government. I know that if you are currently in a difficult situation, you can also do the same. I, like many, grew up thinking that unless you were an entertainer, got lucky, or inherited money from someone wealthy, there was a very, very, very slim chance of achieving it. I noticed that every time I would take another step towards bettering myself, the word “lucky” was thrown around a lot. Never had I noticed how annoying it can be to work hard for something, and hear people attribute it to luck. I also was one of those that often attributed the success of others to luck and not their persistence and hard work. One of the most important terms that I learned from Gary Vaynerchuck after stumbling onto some of his content on YouTube, was the term “self awareness”. Boy did that change my life. Granted, when I moved to NY, I would often talk to myself about the changes I needed to make in myself. I told myself that I would find happiness, and I made the decision to be happy, and stay happy, even during difficult times (like the death of my mother but that's a topic for another time). By the age of 35, I remarried. I married a beautiful woman whom I had met close to 20 years prior when she was only a teenager. Funny how life works. Learning about self awareness made something in me click, and it shifted my thoughts on personal development, business, investing and overall growth. I focused on working on myself while also working on obtaining a business degree ( As a personal goal) and began to write down my goals for each year and actively work on the obtainable ones short term, without losing focus on the ones I consider long term. On the morning of Sunday March 15 2020 this is where the real shift began.I woke up from a dream where I saw myself as a real estate investor, and even though I didn't fully understand what this meant, I began searching online on the topic. This happened right before the NYC mayor announced that there would be a nation wide lock-down and we would be quarantining, and working from home for the next few months. I have to be honest, I felt my heart sink with the thought of losing my job, but thankfully I was one of the blessed few that were able to continue working from home. With that fear though, came a realization that I needed to establish other sources of income, and understood that if there ever was a good time to learn something new that could help me grow personally and financially, it was definitely now. I did tons of research on real estate, investing in assets and personal development. I listened to a variety of podcasts on real estate investing and business, I watched videos, and purchased every book I heard of, that would help me gain the necessary knowledge. From that day forward I decided to make a change in my life, unlearn all that I knew that held me back and embark on the journey to financial freedom, buy my time back and begin to build generational wealth. I only hope that you, the reader; take the time to self analyze and identify any limiting thoughts you might have been taught. Understand that it's never too late to unlearn anything that holds you back, and even if you're not exactly where you want to be; today is a great day to start your journey.

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