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Troy| 💰 Free yourself!

@dollar_guide

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👉🏾| CPA sharing financial knowledge!
💵| Your Guide to Financial Success!
‼| I will teach you to build generational wealth!

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No shame if any of this is you...

I will be fully honest I was guilty of 2 of 4 of the items on this list plus one.

At 23 years old I was on a crash course for signing up for debt. I was 47k in📚 student loan debt and I thought what's another 🚗 25k car loan. And to top it all off I told myself buying a condo 🏘 would be the cherry on top. $152k in debt barely out of college.

Society would congratulate me and say I was doing everything "right"...truth was I had dug myself a hole that could haunt me the rest of life.

Luckily, I came to my senses one month after signing paperwork for the house. Over $1,800 going towards debt repayment plus my other bills...I was drowning and I knew this could not last longterm.

Fast foward 5 years later $152k of debt is gone and in the past...DM me and we can chat about how...DONT LET SOCIETY TELL YOU WHAT YOU SHOULD HAVE BECAUSE SOCIETY WONT PAY WHEN THE BILL COMES DUE.

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#debtfreecommunity #budgeting #debtfree #debtfreejourney #frugal #networthtracking #wealthbuilding #wealthbuilder #blackwealth #nodebt #moneysaving #daveramsey #savingmoney #blacksuccess #generationalwealth
#moneyblogger
#millenialmoney #financialindependence #financegoals #debtisdumb #firemovement #networth #earlyretirement #frugalliving #debtfreegoals #debtfreeliving #debtfreedom #studentloans #personalfinance #personalfinancetips by @dollar_guide

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5 years ago

Bonus points for whoever corrects the math error 😩

Please understand I know $31,000 is hard to live on...but the reality is your income becomes approximately $46,000 after filing your tax return.

If budgeted correctly that is $3,833 a month and it affords you the ability to continue investing into the future.

*This is one reason why having a great tax accountant can literally put money into your pocket! 🙌🏾💰

Follow 💥 @Dollar_guide 👈🏾 for more financial inspiration, financial humor, and financial lessons!

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#tax #taxes #taxhacks #taxseason #taxpreparer #taxtips #taxtip #smallbusinesstips #taxdeduction
#financialindependence #financegoals #debtisdumb #firemovement #networth #earlyretirement #frugalliving #debtfreegoals #debtfreeliving #debtfreedom #studentloans #personalfinance #personalfinancetips
#stockmarketeducation #retireearly #financialliteracy #budgetingtips #budgetlife #salary taken in New York, New York by @dollar_guide

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5 years ago

We've all been there...

I remember the days when I was deep in debt trying to figure out my finances without a budget...

It was an everyday struggle as a another bill would "pop up" or another bill would be deducted from the bank account.

Budgets can bring a ton of relief to your life as it frees your mind up to focus on the big picture for your finances!

⭐Need help with your finances?

⭐Send me a message and let's talk!

⭐Lets talk about how we can get you on the right track with taxes, money management, or money mindset!

Follow 💥 @Dollar_guide 👈🏾 for more financial inspiration, financial humor, and financial lessons!

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#debtfreecommunity #budgeting #debtfree #debtfreejourney #frugal #networthtracking #wealthbuilding #wealthbuilder #blackwealth #nodebt #moneysaving #daveramsey #savingmoney #blacksuccess #generationalwealth
#moneyblogger
#millenialmoney #financialindependence #financegoals #debtisdumb #firemovement #networth #earlyretirement #frugalliving #debtfreegoals #debtfreeliving #debtfreedom #studentloans #personalfinance #personalfinancetips taken in New York, New York by @dollar_guide

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5 years ago

Long transparency post below...

This doesnt even tell you the full story of financial trauma I have dealt with since a very young age.

At 5 years old I could not quite understand why me and my siblings lived at grandma and grandpa's house along with my cousins and theirs families. But I understand now 👀...

At 7 years old getting new furniture was like Christmas but I didn't understand why every few months Rent A center would come and take it back. But I understand now👀...

At 11 years old we would routinely go without Electricity, Heat, or water for days, didnt understand why these were always getting disconnected. But I understand now👀...

Really from ages Kindergarten through Highschool the free lunch was never enough, on top of the fact that everyone knew the difference between the free lunches and those that cost money.

These are my reasons for building Generational Wealth...these Financial Trauma still stick with me today and zi may never get over them...but I know one thing for sure...my daughter will never experience a single one of these things.

My experiences made me the person I am today but this all the reason more to change the history of my family tree.

*Note The other part of this story deals with how this Trauma led me into $152,000 of debt at 23 👀 more on that in another post!

Thanks for reading this far❤.

Do you have any financial trauma from your past?

Follow 💥 @Dollar_guide 👈🏾 for more financial inspiration, financial humor, and financial lessons!

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#debtfreecommunity #budgeting #debtfree #debtfreejourney #frugal #networthtracking #wealthbuilding #wealthbuilder #blackwealth #moneysaving #daveramsey #savingmoney #blacksuccess #generationalwealth
#millenialmoney #financialindependence #financegoals #firemovement #networth #earlyretirement #frugalliving #debtfreegoals #debtfreeliving #debtfreedom #studentloans #personalfinance #personalfinancetips
#blackbusiness taken in New York, New York by @dollar_guide

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5 years ago

Crypto can be painful...

This is why my networth is diversified between Real estate, Stocks, and Crypto.

With the pull back in all markets I am approximately down 2% - 4% but I am not too bothered as I invest for the long term!

My passive income has decreased due to me planning out the best way to restructure my Turo business 🚗 more on that soon!

How is your Net worth doing?
How are your passive income streams doing?

Follow 💥 @Dollar_guide 👈🏾 for more financial inspiration, financial humor, and financial lessons!

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#debtfreecommunity #budgeting #debtfree #debtfreejourney #frugal #networthtracking #wealthbuilding #wealthbuilder #blackwealth #nodebt #moneysaving #daveramsey #savingmoney #blacksuccess #generationalwealth
#moneyblogger
#millenialmoney #financialindependence #financegoals #debtisdumb #firemovement #networth #earlyretirement #frugalliving #debtfreegoals #debtfreeliving #debtfreedom #studentloans #personalfinance #personalfinancetips taken in New York, New York by @dollar_guide

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5 years ago

Follow 💥 @Dollar_guide 👈🏾 for more financial inspiration, financial humor, and financial lessons!

Make sure to run this by your Tax accountant!

Standard mileage deduction info can be found on the IRS website!

For 2022 the standard mileage has increased to 58.5 cents per mile👀

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#tax #taxes #taxhacks #taxseason #taxpreparer #taxtips #taxtip
#blackbusiness #blackexcellence #buyblack #supportblackbusiness #blackentrepreneur #blackowned #blackmoneymatters #blackwallstreet #blackculture #blackunity #blackcpa
#debtfreecommunity #budgeting #debtfree #debtfreejourney #frugal #networthtracking #wealthbuilding #wealthbuilder #blackwealth #personalfinance #personalfinancetips taken in New York, New York by @dollar_guide

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5 years ago

Read the caption‼‼

Recently had a conversation with my mom and sister during their interview process. They were afraid to ask for the salary they WANTED / what their value was worth. I told them be bold and ask for the highest amount possible 👀👀.

Why?

1️⃣ - YOU👈🏾 are hiring the company not the other way around...read that again 👀...if a company values good talent they will negotiate get you hired or to keep you...you probably dont want to work for a company that hires the "cheaper" candidate this is often a sign the companies mentality overall 👀

2️⃣ - The absolute worst thing they can say is no...

3️⃣ - Its a sign of leadership...when you walk in and say I have done my recent and this role requires X salary and X benefits!

Ask for salary that you are worth! You are worth it!

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#stockmarketeducation #retireearly #financialliteracy #budgetingtips #budgetlife #salary#debtfreecommunity #budgeting #debtfree #debtfreejourney #frugal #networthtracking #wealthbuilding #wealthbuilder #blackwealth #nodebt #moneysaving #daveramsey #savingmoney #blacksuccess #generationalwealth taken in New York, New York by @dollar_guide

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5 years ago

Follow 💥 @Dollar_guide 👈🏾 for more financial inspiration, financial humor, and financial lessons!

Your Sacrifice will always be worth it!

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#blackbusiness #blackexcellence #buyblack #supportblackbusiness #blackentrepreneur #blackowned #blackmoneymatters #blackwallstreet #blackculture #blackunity #blackcpa #motivationalquotes #blackprofessionals
#stockmarketeducation #retireearly #financialliteracy #budgetingtips #budgetlife #salary
#budgeting #debtfree #frugal #networthtracking #wealthbuilding #wealthbuilder #blackwealth #moneysaving #daveramsey #savingmoney #generationalwealth taken in New York, New York by @dollar_guide

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5 years ago

Cant trust these democrats...🤯

Or Republicans 😩...the whole system is a mess. They say one thing today and a different thing tomorrow!

This is why I cant trust the government with 2️⃣ things my children and my future!

☝️There many things that school system teaches our children that are not applicable to their future wellbeing and there are some things that the schools just dont teach at all. For example, financial education is so important because your child will spend 100% of their adult life dealing with money. This is why the responsibility is on the parent to teach and be your child's best teacher!

✌Over my lifetime so many rules and laws have been implemented in terms of money, taxes, and social security. These law changes always target the masses...well...the masses are broke👀...living paycheck to paycheck😩...and have nothing saved for retirement 😭...I can not leave my financial future in the hands of the government. My retirement is unique and will be tailored towards my future life. Social security is tailored towards the average Americans life...dont be average...take control of your future!

Follow 💥 @Dollar_guide 👈🏾 for more financial inspiration, financial humor, and financial lessons!

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#debtfreecommunity #budgeting #debtfree #debtfreejourney #frugal #networthtracking #wealthbuilding #wealthbuilder #blackwealth #nodebt #moneysaving #daveramsey #savingmoney #blacksuccess #generationalwealth
#moneyblogger
#millenialmoney #financialindependence #financegoals #debtisdumb #firemovement #networth #earlyretirement #frugalliving #debtfreegoals #debtfreeliving #debtfreedom #studentloans #personalfinance #personalfinancetips taken in New York, New York by @dollar_guide

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5 years ago

I feel honored🥰...

But also disgusted...😭🤯

For last couple days I have been blocked from posting and IG even stated that this account was not violating any community guidelines...😩😩

During this time...this fake account was messaging my followers and close friends asking them to send money for forex and crypto.

Its great to know that my account is now big enough to be targeted by scammers but it is disgusting when you find out a stranger is impersonating you and talking to your friends and audience.

PLEASE REPORT THIS ACCOUNT. I ONLY HAVE 1 "I" IN MY ACCOUNT NAME. I DO NOT HAVE ANY OTHER ACCOUNTS BESIDES THIS ONE AND MY PERSONAL ACCOUNT.

Regular posting will resume shortly thank you all for the support in this! taken in New York, New York by @dollar_guide

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5 years ago

It's really this easy...

@rajatsonifinance @mybudgetculture
Thanks for making this amazing diagram!!

1️⃣ Live below your means!
This is first and foremost I used this mindset to crush through 152k of debt in 2 years!

2️⃣ Invest Early and often!
You start out small but this builds quickly! It took me 1 year to go from 40k to 100k Networth and another year to go from 100k - 200k...invest trust me it's worth it.

3️⃣ Increase your income!
This one is crazy because because I started this journey at 60k and now make 118k from all income sources. This is over a 5 years since graduating college.

Follow 💥 @Dollar_guide 👈🏾 for more financial inspiration, financial humor, and financial lessons!

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#debtfreecommunity #budgeting #debtfree #debtfreejourney #frugal #networthtracking #wealthbuilding #wealthbuilder #blackwealth #nodebt #moneysaving #daveramsey #savingmoney #blacksuccess #generationalwealth
#blackbusiness #blackexcellence #buyblack #supportblackbusiness #blackentrepreneur #blackowned #blackmoneymatters #blackwallstreet#stockmarketeducation #retireearly taken in New York, New York by @dollar_guide

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5 years ago

And then it hit me 🥴...read slide 2...

@thewealthdad puts it plainly! 🙌🏾

I am 28 years old.
I am married, 1 child, enjoy working out, coaching youth basketball, and financial literacy.

I absolutely hate commuting, dead time at work, pointless meetings, arrogant coworkers, and mean bosses...in 20 years these things wont change if I hate them now I will probably hate them even more when I am 40 years old.

This is why everyone should invest...the things you hate amplify with age...give yourself an option when you are older to rid yourself of those stresses.

Invest early and invest often your future self will thank you! taken in New York, New York by @dollar_guide

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5 years ago