Whether youÕre an African-American working full time, entering college, graduating college or retiring, itÕs not too late to move toward financial freedom.
Gregory D. Bethel outlines seven steps to take now to ensure a brighter future. While he positions his message for African-Americans, anyone can use his guidance to achieve financial independence. In plain language, he explains how to reduce debt, conduct financial research, build capital, invest, monitor growth, and enjoy life to the fullest.
One critical lesson youÕll learn is how to manage debt and credit. Both can lead to dangerous paths if you rely on them too much. Once you commit to living on a budget, youÕll reduce debt and have the wherewithal to create an emergency fund.
The guide includes worksheets so you can determine your net worth, create a budget, track expenses, calculate debt, and more.