Too many of us wait for January 1st to make big life changes. We cling to the promise of “New Year, New Me” — but let’s be honest: resolutions without action are just hope in disguise. Here’s the truth: your financial future doesn’t care about the calendar. Whether it’s April or October, the right time to invest in yourself — and your money — is always now. So as we enter the final stretch of 2025, ask yourself: Why wait until next year to begin building wealth……when I can start owning a piece of it today? The fourth quarter isn’t just for corporations. It’s your Q4 too. And you can use it to shift from consumer to investor — from surviving to building. 🧠 Mindset Shift: From Waiting to Building If you’ve been impacted by the criminal justice system, chances are you’ve spent years surviving — playing catch-up, managing debt, repairing credit, stretching every dollar. Now it’s time to learn how to make your money work for you. Investing isn’t just for the rich. Investing isn’t only for “later.” Investing is how you get to wealth — not what you do once you’re already wealthy. Here’s the mindset:✅ You don’t need a lot of money to start. ✅ You don’t need to know everything. ✅ You just need to take the first step. 🛠️ 4 Steps to Start Investing This Quarter (Before the Year Ends) 1. Get Clear on Your Why Ask yourself: What am I investing for? - Freedom? - A home? - Retirement? - Your kids’ future? Write it down. Wealth needs a reason to grow. 2. Open a Brokerage Account If you don’t already have one, open an account on a beginner-friendly platform like: - Fidelity - Charles Schwab - Robinhood (more for learning, less for long-term investing) - Public or SoFi (good for those new to investing)

I’ve been reflecting on something that came to me last week, and I’d like to share it. Sometimes we pray or ask for all kinds of blessings, but we rarely pause to think about the cost and responsibility that come with them. For example, as women, we might dream of marrying the most handsome and wealthy man—but are we ready to handle the attention he’ll attract from countless other women? We might desire to own a multi-million-dollar business—but are we truly prepared for the weight, pressure, and responsibility that follow? This shift in perspective has completely changed the way I ask for blessings. Instead of asking for “more,” I’ve started asking for discipline, focus, consistency, stamina, long-suffering, and the ability to keep my joy even in tough seasons. I used to get frustrated when challenges came my way. But now, I see them as training and preparation. Because if I can’t handle the problems that come with a $100K business, how could I possibly have the stamina to manage the challenges of a million-dollar business? Have you ever received something you prayed for—only to realize you weren’t ready for it? Share your experience

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