The Start to Our Financial Independence!!

NEW-YEARS-RESOLUTION2.jpgI want to first apologize to everyone for not being active for a few weeks! My laptop recently broke down, and because it’s a six-year-old Mac, Apple doesn’t sell missing parts before five years from 2016. SOOOO that meant I had to look around in different shops, get a reasonable price, ship my computer and wait for the return. It sucks, and I really missed having my computer to look things up and write here. Anyways Christmas and New Years is around the corner, and that means that people have begun to make up their new year resolutions. I have been listening to a podcast called Radical Personal Finance for months now and made my personal, academic and financial list about a week ago. I didn’t do anything fancy, I took a notebook and wrote things out which I will share:

Personal: 1) Weight 160lbs by the end of March (I’m currently at 170) and weight 150lbs by November-December ’17

2) Get help on my emotional appearance (I tend to show limited emotions, and that can sometimes make a person think I don’t care when I actually do)

3) Be more compassionate (because of all my hardships, when I hear others hardships I don’t feel that sense of sympathy as other friends and peers do, and I think it is something I can fix a bit)

4)Read 120 books in a year (a large part of my list comes from the personal MBA list by Josh Kaufman, textbooks from the CFA, textbooks for the CFP, etc. Ideally, I would love to do 120, but if not a minimum of 70 is required.)

5) Finish up all my legal issues with my partner (divorce, child support, etc.)

6) Sleep better. (Fixing my circadian rhythm is essential to my well- being)

7) Save money and travel to Mexico in March

8) Study for my MCAT Jan 15th-April 15th, get a 500+ on my MCAT exam and submit all requirements by June 1st for early decisions (if I don’t get into med school this round)

9) Get a part-time job

10) Be happy again

Academic: 1) Get my real estate certificate

2) Get an internship at a financial planning firm

3) Find mentors in that industry

4) Join Toastmasters

5) Get a part-time scribe job (to fulfill job and hospital hours)

6) Get a part-time finance job

7) Help my little brother with his school work

Financial: 1) Build and fail at making business (making side hustles to learn what the market wants and how to show the market my products)

2) Deduct 1/10th of my income and place it towards my IRA

3) Deduct 1/10th of my income and put it towards investments

4) Have a net worth of >10k

5) If income permits, go to a conference or two


Realistically I don’t plan to achieve all of these goals in a year, but if I can accomplish 75-80% that’ll be amazing because this year sucked. A lot of times people usually talk about their successes, achievements, discoveries and that’s great I’m glad for them. But there are also others that simply had a bad year and they may feel they are the only ones. Well your not, I’m there right with you. Don’t believe me? Let me show you

  1. I spent the first half of 2016 feeling terrible for not applying to medical school last year. It was the first time in my life I felt I had failed my family, my friends and myself.
  2. Upon graduation, I moved out of my home to a Maine, got a full-time job, volunteered at two places, and tried to study late nights every day from 7 pm to about 12-1AM. I tried to do everything, and it blew up in my face, I scored a 490 on my MCAT which is horrendous, my chances of getting accepted is slim to none.
  3. During the year my marriage went down the drain. I fell in love, she got pregnant, and I gave up studying for the MCAT last year to work and save every penny I could for the birth of the child. However, her family influenced her thoughts a lot and convinced her to completely cut communication with me 2 weeks before the due date. That crushed me both emotionally and mentally. I put so much trust and effort for my partner, and I was stripped away from being a dad. I’m young, yes but that’s rough I never thought I would be denied the opportunity to see my child grow.
  4. A few months later I see on Instagram that my partner (she’s still married to me) is dating another person.

I’m not sharing my personal life to feel pity, it’s simply to show you that you’re not alone. But it’s ok! Sometimes life throws you down, puts your back against a wall and all one has to do is get back up and keep on fighting.

I plan to return to NY Jan 1st, and things will be different. I was starting to think of working, studying and volunteering. However, I learned a lot from being in Maine, and I refuse to make the same mistake again. I will be following the Examkrackers self-study schedule.  For 10 weeks, from Monday-Friday, my days will consist of working out, studying, helping my brother, reading finance books, helping with chores, eating and sleeping. I will get a part-time job as a waiter for weekends only. I will actually give myself a chance to make this work. Have you made your resolution? If so what are you waiting for? Why do you have to wait until Jan 1st to be a new you? If you could receive 1 million dollars would you wait until Jan 1st rather than having it now? We like to sound like we are the busiest people in the world during the holidays, but lets be honest, do you really have that many social events to go to? I’m sure there is some time during your busy schedule to sit down and figure out what you need to accomplish this coming year. Don’t make the same mistakes, learn from them and strive for greatness. You have to be twice as good to get half as much, and it begins now.

I will also be posting here my new finance discoveries and side hustles I have created as I go along so this will be tons of fun! I promise we will learn together and if not…… 😥 well at least I can go back and see how my progress is going so far. I have lots to share, though, and I’m excited to get back here and share my experiences with yall. Harriet Tubman once said “Every great dream begins with a dreamer. Always remember, you have within you the strength, the patience, and the passion to reach for the stars to change the world.” All you have to do is go AAO.



Author: aao8894

I am 22 years old exploring the world and everything it has to offer. No matter what I do in life I will always be a student and I love it. I love learning and I hope to someday inspire people to go and fight for their dreams like I am currently doing.

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