Like Grandmaster Nam K Hyong, I was born and raised in an environment in which the cultivation of educational growth was difficult. I attended Title IX schools for my Primary and Secondary education, however, due to a lack of school resources I did not feel I was adequately prepared for college. From an early age, I realized that to accomplish my educational goals, I had to work as hard as possible, and work ethic is an area in which I have excelled. No one in my family attended college before me so I had to navigate the pre-college landscape with little support. Standardized testing was not a strength of mine at the time so I committed to attending SAT prep classes, taking practice tests, and learning relevant test material.
I am a graduate student, pursuing a Masters in Business Administration at Clemson University. After graduation, my goal is to advocate for minority groups to have better access for them to pursue higher education. Often, minorities are intimidated by the complexity of the work, the lack of support, and the financial costs associated with pursuing post-graduate education. I want to be a voice of reason; I can share my experiences with my community by ensuring they start by believing in themselves and know their professors are there to help. I also want to make my community aware of all possible financial resources, such as Bold.org, which plays a pivotal role in helping many students continue their educations. I studied Political Science in undergraduate school, which was difficult for me because of the level of reading comprehension required to understand the assignments, followed by a demonstration of how well it was received by writing a paper. In my freshman year, I went to the Academic Support Center fifty times my first semester and seventy-four times my second semester. I was able to get the help I needed to complete the assignments. I learned skills such as reading and writing are like muscles, the more those skills are used, the stronger they become. Afterwards going to the career center, I made it a point to read daily for at least thirty minutes.
In addition to my studies, I am a credit analyst and I have been working in the banking industry for three years. My primary job is to determine an applicant's creditworthiness based off of the five Cs of credit: Capital, Capacity, Character, Collateral, and Conditions. In my current career path, after two more years of analyst work, I would be considered a senior analyst; after five to ten more years additional opportunities open up to become a Credit Manager, Senior Credit Officer, then Chief Credit Officer. I am working to change my career trajectory. With a Masters's in Business Administration, several more opportunities become available, such as going directly to Credit Manager, or working for other private sector companies that value risk analytics skills such as Accenture, KPMG, and Google.
The change I am looking to accomplish in myself is practicing being as consistent as possible. Success in my opinion is constantly making good decisions, that you can quantify and historically record. I believe that there are seven areas in life in that goals should be set in Spiritual, Family, Career, Intellectual, Physical, Social, and Financial. The areas that need the most attention in my situation are physical and financial. In the physical area, I have several hereditary diseases that are already becoming factors in my life: diabetes, high cholesterol, hypertension, colon cancer, and anemia. I am currently pre-diabetic, with high cholesterol, it is a hardship to overcome because my family has these same issues and I have seen them choose to continue their sedentary lifestyle, and subconsciously make me think that these diagnoses are normal, when they are not. I am willing to cut the highly processed foods and beverages that are high in sugar and make exercise a priority. In the financial area, I did not have the financial acumen that I do now because it was not taught to me. Much like many of us, I learned through the "trial by fire" method with financial planning, pyramid schemes, high-interest debt, and bad advice from loved ones have taught me priceless lessons. I was at one point sixty thousand dollars in debt, with student loans, credit cards, and a car loan. I was willing to work a second job, sell the newer car for a more affordable older car, and budget based on my income. After two years of debt reduction, I owe seventeen thousand in student loans and will be debt free in December 2023. With my finances in order, I will be able to provide more for my family, better prepare for the future by contributing to investment vehicles such as retirement accounts and 529 plans and be outrageously generous.