I watched Joe the Wealth Architect video on F.E.A.R. and I really enjoyed it I suggest all the members to watch the video sooner than later.

Yesterday (10/27/25), one of my investment portfolios earned roughly $2,000 — in one day. I don’t share that to brag. I share it to illustrate what’s possible when you shift your mindset from worker to owner. Because here’s the truth: Fear keeps too many of us stuck: Fear of not knowing enough. Fear of losing money. Fear of taking a risk. So instead of building wealth, we keep trading our time for money — stuck in the same cycle, hoping one day we’ll finally get ahead. But wealth doesn’t come from hoping. It comes from owning. It comes from taking that first step — even if you’re scared. If you’re waiting for the “right time” to invest… Let this be your sign: Start now. Not all at once. Not with thousands of dollars. Just get started. Because when your money starts working for you, everything changes: - You stop living check to check. - You stop fearing the future. - You start experiencing what freedom really feels like. The SSI Method is your roadmap. You don’t need to know everything. You just need to begin. 👉🏾 Let fear be a signal, not a stop sign. 👉🏾 Let today be the day you choose ownership. What’s stopping you from getting started? Drop your thoughts below and let’s talk.

Last week, I had the powerful opportunity to sit down with Pistol Pete and BX Tone on the Dog in the Yard podcast — and we went deep. We talked about where I came from: growing up in East New York, the choices I made, the years I spent incarcerated… but most importantly, the transformation that happened from the inside out. This wasn’t just about redemption. It was about reinvention. About how I went from a long prison sentence to becoming a personal finance educator and inspiration for people impacted by the justice system. About why I created the SSI Method, and how I'm on a mission to help our people think differently about money — and themselves. We chopped it up about: - Why the fast money trap leads to dead ends - How wealth-building starts with mindset - Why justice-impacted individuals can rewrite their story - And how patience and discipline can build real power and real freedom 👉🏾 Please go check out the full episode on YouTube. Watch it, comment, share it with a young person who’s still on the fence, or someone ready to get on the right track. We’re not just surviving anymore. We’re reclaiming our power — and rebuilding wealth from the ground up.

Hey Family, This community is built for you—and that means your voice matters. I want to know: what features, content, or activities would you like to see more of here? We’re already building with Tuesday Tap-Ins, TurnUp Thursdays, Free Game, and our classroom resources—but I want to make sure this space truly meets your needs. Take a minute to answer this quick poll so we can keep leveling up together. 🙌🏾 What would you most like to see added or expanded in the community?

When money gets tight and debt feels like it’s swallowing you whole, bankruptcy sometimes comes up as an option. But let’s be clear: bankruptcy should be a last resort. It can give you relief, but it also comes with serious long-term consequences (like damaging your credit for years, making it harder to borrow, and impacting big financial goals like homeownership). That said, it’s important to understand the basics—because knowledge is power. Here’s a plain-English breakdown of the three most common types of bankruptcy. ⚖️ Chapter 7 — “Liquidation” - Think of this as the reset button. - A court trustee sells off your non-protected assets and uses the money to pay creditors. - Most unsecured debts (like credit cards, personal loans, medical bills) are wiped away. - You usually finish the process in 3–6 months. - Stays on your credit report for 10 years. 👉🏽 Best for people with little income, few assets, and no realistic way to pay off debt. ⚖️ Chapter 11 — “Reorganization (Mostly Businesses)” - Used mostly by companies, but individuals with very large debts can file too. - Instead of shutting down, the business reorganizes debt, cuts deals with creditors, and creates a repayment plan to stay afloat. - It’s expensive, complicated, and usually reserved for big businesses (think airlines or retail chains). 👉🏽 Best for businesses that want to survive and restructure—not close. ⚖️ Chapter 13 — “Wage Earner’s Plan” - Instead of wiping debt away, you create a 3–5 year repayment plan. - Lets you catch up on mortgages, car loans, and other secured debt without losing your property. - After the repayment period, some remaining unsecured debt can be erased. - Stays on your credit report for 7 years. 👉🏽 Best for people with steady income who want to keep assets while paying debt over time. 💡 Bottom Line: Bankruptcy can stop collections and give you breathing room—but it also comes at a cost. Before going that route, explore every other option first: credit counseling, debt settlement, budgeting, side income, or negotiation with creditors.