It’s not just how much you make, it’s how much you keep, and how much of what you keep makes more for you.

Maurice “Mo” Chorney

A few years back, my church was holding a youth conference. I was asked to speak at a breakout session designed to teach high school and college-aged students about managing their money. I figured that given everything else going on at the conference, I would have the students’ attention for about five minutes. My goal was to create a lesson plan that would not only teach them something about money but enable them to teach that something to someone else. This five-minute crash course is what I came up with. After I explained it to each student, he or she had to explain it back to me. Since then, I’ve made this my standard spiel whenever talking to young people about money for the first time.

Whenever I run into those that I have taught this to, I ask them if they remember what I taught them. So far everyone has remembered. If you get nothing else out of this book, you will in the next five minutes learn something that can change the course of your financial life. Remember, first learn it, and then do it until it becomes a habit.

For as long as I can remember, my eldest brother Harold loved to quote our grandmother, Victoria McCullough, who said, “If you make a dollar, save a dime.” Years later, my pastor, Bishop Victor Curry, taught me, “If you make a dollar, tithe a dime.” Because I grew to see the value in both, I taught my sons, Joshua and Jawanza, “When you get a dollar, give a dime and save a dime.” If you develop that habit, for every dollar you get, you will know you are enriching your own life as well as the lives of others.

The Five-Minute Crash Course

When it comes to your money, you are doing one of three Gs with it. You are either

1.        going broke;

2.        going into debt; or

3.        getting ahead.

The good news is, if you are not doing the third G, you can start getting ahead today. The affirmation card below will be be your reminder.

To help you start investing today. All you need to open your investment account is a bank account and $1.00 per month. I am including an affiliate link for Acorns and you will get $5.00 for just for opening an account with them.

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