The Hardship

How to navigate through difficult financial situation?
A popular current text in the King James Version shows 1 Timothy 6:10 to be: For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows.

Money might be the root of all evil but it sure makes the world go round. For us every day people working 9 to 5 to make ends meet, money is the reason everything, every night you set up your alarm just to make it to work on time.

You do that so your can check your account bi-weekly on Fridays to make sure every cents is accounted for. People with money will have you feeling like money is not everything, when in fact they don’t understand how to go without. Hypocrite they are.

Most people are looking for a good paying job with stability. They are even opening small businesses. Average people are looking all over just to bring extra income. They are looking for ways to make a living while still having time for their families. We are all have expenses, while most of us go above our means but someway somehow we are making it.

The paycheck to paycheck lifestyle have nothing to do with how much you are making. It’s all about how you are spending you paycheck.

We all love nice things and we want to show everyone that we are doing well by buying expenses items we can barely afford. If you are bringing home about $3000 a month, which most average Americans does, for most of us 85 percent of that goes towards mortgage/rent and utilities. With 85 percent of your paycheck gone toward bills that doesn’t leave you much wiggle room for anything else untill that next paycheck. Thats that paycheck to paycheck lifestyle.

I’m sure we can come up with multiple different ways to change your lifestyle of living paycheck to paycheck. One way to get you out of this uncomfortable situation is to start by decreasing your expenses.

Start by eliminating anything that is not essential to your well-being or your families well-being. You might find yourselves stating that everything is essential. Just imagine how much you can save if you make your own lunches or even skipping a few Starbucks stops will make a big impact on your savings.

Baby steps. Do whatever you can, not all at once but gradually to decrease the amount that goes towards your entertainment and your personal lifestyle, you can do all that while making changes to your finances and saving money without even knowing it.

You work really hard to make Whatever you are making take good care of it and don’t let anyone else enjoy it more than you. Remember my motto

“is not to spend your working hours money in minutes”.

Be careful of conn artist. Be aware of people telling you to send money. The only places you should spend money to make money is SCHOOL.

Election 🌡️ Fever

It’s that time a year again. Voting Time! Believe it or not most of us vote with our wallet and every single one of us have our own interests. Every election is critical. Election doesn’t only let you know who will be in power for the next 2 to 4 years. Elections have a big impact on who will manage your money and your interest. Elections will bring uncertainty to the market. Some people will completely pull out while other take their chances.

My friends and family have been calling me to get my in put on how this election will effect their finance and their stock. The problem is no one really know what’s going to happen. I have getting calls and text messages like this “Michael this election is the one that got me worry the most, I’m not going to wait and see how the election goes I think I’m not even coming back. I’m cashing in all my investments, which is about $10 million. While I can comfortable live the rest of my days losing it will bring me great discomfort even misery.”

I completely understand him he reached his goal and don’t want to risk it after all. He also told me even if the money double his lifestyle will remain the same. Because he been there and done it all. He had an airplane which his wife can’t stand because she don’t think he is a good pilot.

Two lake house and a condo in Miami.
Proud owner of multiple great business
His kids are not freeloader they all went on to do better than him. I just wanted to share his accomplishment and to let you guys know to set your goals and make sure you notice when you reach them. It takes discipline and patient most of all motivation.


As a hypervigilant person you learn to pay close attention to your surroundings. Hypervigilance is a state of increased alertness. Every morning I usually have the same routine before.

Today was a particularly different day, it was a beautiful morning, about 75° and the sun wasn’t up yet and there wasn’t as many cars on the road as usual. I found myself wondering, lost in my mind in a trans of thoughts. It wasn’t too long after I start to noticed that every cars that drove by me was a brand name and recent model.

I started wonder why all these expensive vehicles are on the roads so early. And then It hit me like a brick, there was little to no difference between those expensive luxury vehicle compare to your  day to day vehicle. The one major difference is the driver behind those vehicles. Then I started wonderind some more, if everyone had it going like that and driving these expensive luxury vehicles why are they up so early?

But after I got to work and start processing it clearly. I come to realize the people I see in the expensive cars every morning are the one who usually buy what they can’t afford just to impress others. They can’t miss a day of work nor go on family vacation because of their mortgage/rent plus car note is eating more than 80% of their bringing home money.

A lot of time we sacrifice looking for happiness while we don’t even know what makes us happy. You might enjoy a nice vehicle but the stress to keep up  with it can bring you a lot of misery.

Peace of mind play a great role in your success. With a clear head your chance of making the right decisions will multiply. Always try to keep your stress level to the minimal as possible. Life itself brings a lot of stress don’t add anything you can control to it.

Make good financial decisions, we are no-where near perfect. But whatever choice we make today will have a big impact on tomorrow if not determine it