Building strong credit early is important to me because it is one of the first real steps toward becoming financially independent. I am an undergraduate student at NC A&T. As I get ready to graduate from college next year, I am starting to think more seriously about things like renting my first apartment (checked), purchasing a car (checked), and eventually buying a home (unchecked, but on the list). Achieving all of these things depends on having a solid credit history. I was taught that there is a difference between good debt and bad debt, and that some financial debts can open doors, but not all debt is good. I was taught that student loans fall into the category of debt that should be minimized. Because of that, I have been intentional about shaping my financial habits now while I am in college, so I am not stuck paying for mistakes for years after I graduate. One way I have taken control of my financial future is by aggressively pursuing scholarships and maintaining a GPA above 3.7 to remain eligible for merit scholarships. I am a double major, but even with the heavy workload, I push myself to maintain a GPA above 3.5 because every scholarship I earn is one less loan I need to take out. I have chosen to treat my academic performance as both a responsibility and a financial strategy. It is something I am proud of, not just of the grades, but about the way it has helped me avoid unnecessary debt. Also, I work part-time during the winter break and over the summer to cover my personal expenses that scholarships do not cover. This has taught me discipline and how to manage a budget with real constraints. I have made financial mistakes as well, and they have shaped how seriously I take my money now. Early in college, I underestimated how quickly everyday purchases, like food, medications, or school supplies, could add up. One month, I looked at my money and realized I had less than I expected. It was then that I realized that I had to get serious about budgeting. I realized I needed a system. Since then, I track my spending, which is easy through my bank. I set limits for non-essentials, and I prioritize saving. That experience was not good, but it taught me that financial awareness is not something you do once and then forget about. It is something you maintain. My dad told me this, but I had to experience it for myself. I learned and now understand how interest, utilization rates, and payment cycles actually work. A smart money move I made was choosing to avoid opening a lot of credit card accounts. A few of my friends have 3 or 4 credit cards and are already in debt. I have built my credit by paying my rent and car insurance in full and on time each month. This practice helped me establish a positive credit history. This has taught me that credit is not something to fear, but something to manage thoughtfully. What motivates me most right now is the desire to create stability for myself and the family I hope to have one day. My experiences at A&T and through my summer internships have helped me appreciate the importance of planning, efficiency, and goal-setting, skills that apply not only to finances but also to business operations. I plan to enter the next stage of my life financially confident, not overwhelmed, and I know that building credit early is a key part of that vision.

My career goal is to become a data-driven professional who applies analytics and artificial intelligence to improve decision-making and business outcomes. After completing three internships with TIAA, I plan to accept their offer to join the Technology Rotational Program within the Data Analytics and AI department, which represents the ideal foundation to achieve this goal. Through this opportunity, I plan to strengthen my technical skills and gain a fuller understanding of how data and technology support the company’s mission to help clients achieve financial well-being. As a double-major student pursuing undergraduate degrees in Business Management Information Systems and Supply Chain Management at North Carolina A&T State University, I have developed analytical and strategic thinking skills. My work experience with TIAA’s Corporate Technology teams across three departments allowed me to experience Agile project management, business process documentation, and real-world applications of analytics in collaborative settings. These experiences confirmed my commitment to using data to drive innovation and efficiency and to create meaningful change. This summer, I collaborated with three groups to create a process document that streamlined the workflow within those groups. Within five years at TIAA, I plan to master advanced analytics and AI tools, contribute to predictive modeling and automation projects, earn certifications in business analytics, and assume a leadership or mentorship role supporting new team members in the program. I also plan to earn an MBA degree and travel the world to different divisions within TIAA to truly learn the business processes and find ways to improve them. My long-term vision is to combine technical expertise with strategic insight to help TIAA continue transforming through data and technology. By delivering innovative and meaningful data-informed solutions, I will advance my own career, of course, and I will positively impact the people and communities TIAA serves.

My involvement in my local church has been an important influence on the way I serve my community. My grandmother is an ordained minister, and her dedication has always inspired me to see faith as a source of strength and responsibility. When my schedule allows, I regularly attend Sunday worship services at her church. These services provide an opportunity to connect with my faith and to see the power of community rooted in service, compassion, and inspiration. The church has become a place where I find comfort, especially when I struggle with feelings of inadequacy and insecurity. Like other Black males my age, I sometimes doubt whether I am enough, whether my contributions matter, or whether I can truly help others. Yet, attending worship services reminds me that service is not about perfection; it is about showing up with a willing heart. The messages of love, humility, and grace that I hear in church reassure me that even small actions, when done with sincerity, can have a positive impact on others. This realization strengthens my determination to serve others, even when I feel uncertain about my own abilities. Being surrounded by people at church who prioritize giving has also shaped my perspective. My grandmother and other church leaders consistently model service through prayer, outreach, and active help to those in need. Their example motivates me to extend myself beyond my comfort zone. For example, for the last three years, I have taken part in food drives and community events organized through the church. This is where I saw firsthand how generosity and teamwork can lighten someone else’s burden. These experiences taught me that service is not always grand or dramatic; sometimes, it is as simple as offering a meal, listening with empathy, or making someone feel less alone. Most importantly, the church has given me a sense of belonging. This feeling helps me serve with a stronger spirit. Worship services provide solace, helping me refocus when life feels overwhelming. This inner renewal enables me to face challenges with more patience and resilience. When I feel grounded spiritually, I am more capable of extending encouragement and attention to others. Finally, my involvement in my local church has helped form my approach to service through worship, family influence, and personal growth. It has taught me that service flows from faith, that it is strengthened in community, and that it remains meaningful even when accompanied by feelings of vulnerability. I draw comfort and inspiration from my church, and I am able to give back to my community with greater compassion and commitment.

As a college student pursuing dual Bachelor of Science degrees in Management Information Systems and Supply Chain Management at North Carolina A&T State University, I am committed to integrating technical knowledge with business insight to solve complex real-world problems. These are the ideals that professors in Willie A. Deese College of Business and Economics (COBE) integrate into the curriculum at A&T. My primary computer science goal is to advance my understanding of programming, data analytics, and systems development in order to drive innovation in business environments. Simultaneously, I am just as passionate about promoting leadership, service, and community involvement, all of which are non-technical interests that have shaped how I intend to lead and influence others in the workplace and in my community. Throughout my academic and professional career, I have involved myself in opportunities to build a strong foundation in computer science. My internships at TIAA, both in Corporate Technology and with the OCOO, provided hands-on experience with the software development life cycle, agile project management, and business process documentation. Additionally, my pursuit of a Business Analytics Certificate and completion of SQL coursework reflect my dedication to data-driven decision-making. These technical experiences, along with my growing proficiency in programming languages like Python, JavaScript, and SQL, are equipping me with the tools necessary to develop intelligent solutions in increasingly digital business environments. Beyond the technical area, I have always placed a high value on leadership, mentorship, and service. As the President-Elect of Exceptional Males in Business and the SGA Senator for the Willie A. Deese College of Business & Economics, I have developed a strong sense of responsibility for empowering my peers and advocating for positive change. My volunteer work with local food banks, youth tutoring programs, and ministry initiatives exemplify my commitment to community upliftment and servant leadership. These roles have taught me the importance of empathy, communication, and strategic thinking. These skills are just as important as technical competence in shaping impactful careers. My future goal is to combine my computer science and non-computer science skills by becoming a technologically proficient business leader who promotes innovation and inclusion. Whether by using technology to improve community access to needed resources or by using data analytics to improve supply chain operations or by using data analytics to improve supply chain operations, I believe that technical solutions should best serve people. I aspire to lead cross-functional teams that solve business problems and also address social challenges through scalable, ethical technology. Finally, after I graduate, I aspire to create platforms and systems that are both operationally efficient and socially conscious. My dream is to work for TIAA, where I want to lead initiatives that will use cutting-edge technology to support underserved communities. It is at TIAA that data insights empower human-centered decisions, and diversity in leadership drives equitable progress. No matter where I work after college, I intend for my career to be defined by the integration of business metrics and a focus on advancing innovations that serve humanity with empathy and integrity.

Chapter Two of Real Insights by John Graff examines the importance of data-driven decision-making and the role of cross-functional collaboration in generating lasting value across industries. These principles are directly applicable to my desired field of work, which lies at the intersection of computer science, business analytics, and supply chain management. I am a college student pursuing dual Bachelor of Science degrees in Management Information Systems and Supply Chain Management at North Carolina A&T State University. I am committed to integrating technical knowledge with business insight to solve complex real-world problems. These principles are integral parts of the curriculum taught by the COBE professors at NC A&T. My academic and professional background demonstrates a clear alignment with the ideas Graff outlines. My two internships at TIAA exposed me to agile methodologies, business process documentation, and the software development life cycle, which are core practices that mirror Graff’s emphasis on structured yet adaptive decision-making. Also, my pursuit of a Business Analytics Certificate and my experience with tools like SQL, Tableau, and Power BI further equip me to collect, interpret, and act upon data insights, echoing Graff’s assertion that modern leaders must embrace analytics to stay relevant in today’s competitive landscape. Graff also discusses the necessity of working across functional silos to tackle complex challenges. This idea aligns with my dual-degree pursuit in Management Information Systems and Supply Chain Management. By bridging these two disciplines, I personify the cross-functional mindset defended in Graff’s Real Insights. My ability to collaborate with both technical and non-technical teams is reflected in my past experiences, which range from technology-based internships to student leadership and community volunteering roles. I believe that this helps to position me as the kind of integrative thinker Graff sees as necessary for innovation. Another theme in the chapter is the importance of ethical and community-focused leadership. My demonstrated commitment to service through tutoring youth, volunteering at food banks, and mentoring fellow students exemplify my belief that professional success must be matched by social responsibility. Graff’s insights on leading with purpose support my ambition to use technology not just for profit but to create equitable systems that uplift underserved communities. In conclusion, Chapter Two of Real Insights reinforces my vision of a career grounded in technical excellence, strategic thinking, and servant leadership. The chapter validates my multidisciplinary approach to becoming a business leader. It also affirms that the integration of analytics, collaboration, and ethics is not only desirable but essential for those aspiring to be future leaders in business and technology environments.

Economic empowerment and business innovation are ways to uplift underrepresented communities and create lasting change. By creating opportunities for education, entrepreneurship, and financial stability, the systemic barriers that get in the way of economic progress in minority populations can be removed. My career aspirations in business, specifically in business management information systems and supply chain management, are aligned with my goal to drive social equity and justice through economic development. Economic empowerment is necessary for maintainable change in underrepresented communities. Financial literacy, access to funding, and workforce development are needed to break the cycle of poverty and create generational wealth. History shows that minority communities have faced systemic disadvantages that limit their access to resources that promote economic independence. By addressing these issues, we could provide individuals with the tools they need to build successful businesses, secure good-paying jobs, and invest in their futures. One of my goals is to use my expertise in business analytics and supply chain management to create financial stability and business growth. At North Carolina A&T State University, I learned that resource allocation could be allocated to improve operational efficiency and create sustainable economic ecosystems that benefit local communities by leveraging technology and data-driven solutions. Innovation in business is crucial for promoting economic resilience and inclusion. By embracing new technologies, developing creative business models, and encouraging entrepreneurship, we can generate wealth and create opportunities where they are needed most. Technology has already bridged economic imbalances by providing access to remote work, digital marketplaces, and e-learning opportunities. As a business major at NC A&T and an aspiring business leader, I am interested in learning ways business innovation is used to drive community development. One way to achieve this is by supporting Black-owned businesses and startups, providing mentorship, and advocating for policies that encourage inclusive economic growth. Programs that equip aspiring entrepreneurs with funding, technical assistance, and networking opportunities can help break down systemic barriers and create lasting economic impact. Additionally, supply chain management plays a vital role in promoting equitable business practices. By implementing ethical sourcing strategies and supporting minority-owned suppliers, we can create a more inclusive economy. My vision is to develop supply chain models that prioritize fair trade, sustainability, and community investment, ensuring that economic progress benefits all stakeholders. My career ambitions align directly with my desire to drive social equity and justice through economic empowerment. By working in corporate technology and business management, I plan to influence decision-making processes that prioritize diversity, equity, and inclusion. In my internships at TIAA, I gained firsthand experience in Agile project management and business process optimization. These skills will allow me to implement strategies that promote maintainable economic equity. Through my studies at NC A&T, I have developed an understanding of the intersection between business, technology, and social impact. I plan to use this knowledge to advocate for economic policies that support underrepresented communities. Whether through corporate social responsibility initiatives, impact investing, or entrepreneurship programs, I plan to use my career as a means for meaningful change. Mentorship and education are also necessary components of economic empowerment. By mentoring others, I could inspire future business leaders. Providing guidance, career development resources, and access to professional networks will help people achieve economic prosperity. After I graduate, I want to establish a program where middle and high school students can learn technology and business skills from local leaders in the industry. Additionally, I understand how important social justice and equity are in creating a more inclusive society. After I graduate, I will advocate for policies that would increase access to quality education and economic opportunities for everyone.

I was taught that life is a journey of exploration, growth, and purpose. For me, my academic journey has been shaped by a thirst for knowledge, a dedication to personal excellence, and a desire to uplift others around me. My decision to attend an HBCU was not because of tradition or convenience but, more accurately, a deliberate choice to be in an environment that nurtures Black excellence and develops leaders who affect change in their communities. As I pursue a double major at North Carolina A&T State University, I reflect on the experiences that brought me here and the legacy I hope to build for my family and community. I am a fourth-generation college student. Learning a trade after high school or enrolling in college is expected in my family. From an early age, I was told that I needed to attend college. And I have always understood that obtaining a degree is not just about personal advancement but also about continuing a legacy of academic and professional success. My parents encouraged me to explore various subjects, leading me to a diverse educational background where I engaged with STEM, business, history, and the arts. One of the defining moments of my life was my experience with Kumon, where I was tutored in math and English from first through tenth grades. This early exposure to rigorous academic training built my confidence and allowed me to excel in school. It also led to my curiosity in STEM fields, specifically technology and business analytics. This passion led me to pursue dual degrees in Management Information Systems and Supply Chain Management. These disciplines allow me to merge my analytical skills with my interest in organizational efficiency. Beyond academics, my journey has been enhanced by practical experiences. I have had the privilege of interning with a Fortune 500 financial services company, where I worked with project managers, gained exposure to Agile methodologies, and contributed to business process optimization. Additionally, my involvement in organizations such as the NC A&T Center of Excellence in Entrepreneurship & Innovation has given me firsthand experience in supporting entrepreneurial initiatives. These experiences have reinforced my ambition to make a tangible impact on my field while uplifting those around me. Choosing to attend an HBCU was one of the most pivotal decisions of my life. Three months before my high school graduation, I was trying to decide between two colleges, UNCG and NC A&T. I asked my counselor, a graduate of UNCG, to help me decide. After telling me it was my decision, she advised me to choose the school that would best prepare me to become the man I wish to be in four years. That advice led me to reflect on the examples set by my father, uncles, and extended family members, many of whom attended HBCUs and have gone on to build successful careers and strong families. And, although I received substantial financial aid offers from several PWIs, I ultimately chose NC A&T because of the unique support system and sense of community that HBCUs provide. HBCUs are more than just educational institutions; they are breeding places of Black excellence, producing some of the nation's most influential leaders, innovators, and change-makers. Attending NC A&T has given me the opportunity to be part of a culture that values empowerment, mentorship, and self-determination. Its rigorous academic programs and unwavering commitment to nurturing leadership have provided me with the skills I need to thrive in my career and contribute meaningfully to my community. Additionally, attending an HBCU has strengthened my understanding of the importance of representation and cultural pride. In classrooms where Black excellence is standard, I am always encouraged to push beyond my limits. The history and legacy of HBCUs remind me that my education is not just for me; it is for my ancestors who fought for the right to learn and for future generations who will follow me. Education is a vehicle for change, and I will use my education to uplift my family and community. As someone deeply invested in business and technology, I see a few opportunities to bridge the gap between innovation and economic empowerment. My goal is to use my expertise in business analytics to create solutions that drive efficiency and promote economic growth within underserved communities. One of my long-term aspirations is to establish a technology-focused business that provides training and employment opportunities for young Black professionals. I believe that access to education and career development is essential in addressing economic disparities, and I want to be a part of creating pathways for success. Beyond my professional ambitions, I am committed to giving back through service and advocacy. Throughout my time at NC A&T, I have actively engaged in mentorship programs, academic excellence initiatives, and leadership roles that allow me to support my peers. As a Student Success Mentor, I have helped fellow students navigate the challenges of college life. Also, by mentoring students, offering internships, and developing community-based programs, I can help equip others with the skills they need to thrive in a competitive workforce. After I graduate, I want to establish a program where middle and high school students can learn technology and business skills from local leaders in the industry. Additionally, I recognize the importance of social justice and equity in creating a more inclusive society. As I continue my education, I advocate for policies that increase access to quality education and economic opportunities for underrepresented communities. At an HBCU, I have found an environment that encourages my ambitions and challenges me to be the best version of myself. As I look ahead toward ending my junior year strong, I am driven by the knowledge that my success relates to the well-being of my family and community. I am determined to use my education, skills, and experiences to uplift those around me, create opportunities for others, and contribute to a future where excellence, empowerment, and equity are the standard.

I attend North Carolina A&T State University, double majoring in business management information systems and supply chain management. What professors at A&T teach is that if you acquire entrepreneurial skills and financial literacy, you will have the tools and knowledge needed to achieve economic independence and stability. A&T prepares its students with a solid foundation of knowledge and practical skills. Outside of academics, A&T provides opportunities for networking and collaboration. Associating with fellow students, faculty, and alumni has opened doors to different opportunities and expanded my view of the world. The mentorship and guidance I have received from experienced professionals have been instrumental in shaping my career path and goals. In my Entrepreneur II class, we learned about climate-resilient agriculture initiatives that would benefit and support small farms and farmers in vulnerable regions with innovative farming techniques that can resist climate change, ensuring food security and income stability. We also learned about culturally relevant educational programs that provide business training and mentorship programs specifically tailored to the needs and cultural context of underrepresented communities. Looking toward the future, I plan to leverage my education to become a successful businessman and leader in my community. One day, I see myself starting my own technology-driven business that addresses real-world problems and creates innovative solutions that will provide greater access to technology and education in underrepresented communities. I want to teach young adults about financial literacy and how to save for the future. This is something I wish I had been taught in school. In addition to entrepreneurship, I plan to mentor high school male students and promote career paths in business and technology. I envision a plan to establish a mentorship program that guides high school students from underrepresented backgrounds in pursuing their academic and career goals and that will educate them in financial literacy. I feel that teaching financial literacy can be a powerful tool for promoting social equity. By equipping individuals with the knowledge and skills to manage their finances effectively, financial literacy can help bridge the gap between different social and economic groups. By understanding financial concepts, I can help others avoid debt traps and predatory lending practices, which disproportionately affect low-income communities. This knowledge will allow others to seek safer and more beneficial financial products. So, basically, financial literacy is a crucial component in the fight for social equity, providing individuals and communities with the tools they need to build a brighter, more equitable future. My program can be a catalyst for change. Those that I teach can teach others, and that way, the message can spread throughout the community and benefit more individuals. T

Attending North Carolina A&T State University means more to me than just earning a degree; it means embracing the legacy of excellence, resilience, and service that you get with an HBCU education. My journey, however, has not been without challenges. Finances are a challenge for most college students. However, another challenge that I have had to overcome in pursuit of earning a bachelor's degree in business management information systems is my struggle with social awkwardness. Also, I struggle with procrastination. These issues have affected both my academic performance and my ability to form meaningful connections. Growing up, I often felt socially awkward in different settings. From the age of five to fourteen, I attended a language immersion school where I studied Chinese (Mandarin). Our English classes were for one hour a week, and we spoke in Chinese most of the day. The school was an hour's ride from my house, and no other kids in my neighborhood besides my sisters went to my school. This made it hard to meet up with friends outside of school or participate in after-school activities. At times, I felt alone and hesitant to step out of my comfort zone. Plus, I was a procrastinator who put off assignments and tasks until the last minute. No matter how often my parents yelled at me, these behaviors affected my grades, stressed me out, and made it hard to balance academic responsibilities with my home life. These challenges continued into college. In my freshman year, I sought help from a mentor. This mentor, a faculty member at NC A&T who is invested in student success, provided me with the guidance and support I needed to address my challenges. Through regular meetings and conversations, my mentor helped me develop strategies to manage my social anxiety and procrastination. One of the first things I learned was to create a structured schedule that breaks down large tasks into small, manageable tasks. This helped reduce whatever triggered my procrastination. I set specific goals and deadlines and can stay on track with my assignments. Homework and projects are less stressful. To address my social awkwardness, my mentor suggested that I join clubs and organizations that aligned with my interests. So, I joined the Exceptional Males in Business, the Association for Information Systems, and the Beta Gamma Sigma Business Honor Society. By participating in these clubs, I became more comfortable interacting with others and forming friendships. Last year, I held offices in 2 clubs and volunteered with three organizations. I also learned the importance of active listening and effective communication, which are good skills for a future business manager. As I get closer to graduation, I am more sure of my ability to overcome challenges. The support and mentorship I have received have not only helped me manage my social awkwardness and procrastination but also shaped my career path and goals. Presently, it is necessary to manage the financial challenges I face. As a junior, the workload does not allow much time to work. NC A&T does not guarantee housing for juniors and seniors. It is for this reason that I live off campus and no longer qualify for the scholarship I earned last year that I used to pay for my housing. Earning your scholarship will help to finance my education. Looking towards the future, I plan to use what I have learned to become a successful businessman and leader. By continuing to embrace the values A&T teaches, I commit to making a positive impact on the world, both as a financial success and as a community leader.

Attending an HBCU means more than just earning a degree. It means embracing a legacy of excellence, resilience, and service. Choosing to study business at North Carolina A&T State University is central to my future success. Choosing this path and this school was a decision I made with the desire to become the best version of myself. The environment at A&T cultivates my interests and provides me with the tools and knowledge to excel. At A&T, the values of perseverance, integrity, and service are deeply rooted in the academic and social culture. These values influence my personal and professional growth. Perseverance pushes me to navigate challenges with resilience, maintaining focus on my goals despite any challenges. Integrity gives me an ethical foundation, ensuring that principles of fairness and honesty drive my actions and words. Service, a cornerstone of the HBCU spirit, shows me there is strength in one’s commitment to community involvement. Academically, A&T prepares its students with a solid foundation of knowledge and skills. Outside of academics, A&T provides opportunities for networking and collaboration. Associating with fellow students, faculty, and alumni opens doors to different opportunities and expands my worldview. The professors often speak about making a meaningful impact on the world, both as a financial success and as a positive agent in the community. Looking toward the future, I plan to leverage my education to become a successful businessman and leader. The experiences, mentorship, and guidance I have received at A&T have shaped my career path and goals.

Being a student at North Carolina A&T State University means more than just earning a degree. Being a student at NC A&T means embracing a legacy of excellence, becoming resilient, and uplifting the community. Choosing to double major in Business Management Information Systems and Supply Chain Management is crucial for my future success. Choosing this path and this school was a decision I made in high school with the desire to become the best version of myself. At A&T, I am in an environment that cultivates my interests and provides me with the tools and knowledge to excel. At A&T, the values of perseverance, integrity, and service are deeply rooted in the academic and social culture, and these values influence my personal and professional growth. Perseverance has pushed me to navigate challenges with resilience, maintaining focus on my goals despite any challenges. Integrity has taught me an ethical foundation, ensuring that principles of fairness and honesty drive my actions and words. Service, a cornerstone of the Aggie spirit, has shown me there is strength through one’s commitment to community upliftment. As a role model to my younger sisters, I try to embody perseverance by demonstrating that hard work and dedication are the keys to academic success. In my professional career, integrity will guide me as I conduct business ethically. My dedication to service, which I learned from my family, drives my efforts to give back to the community through initiatives that promote volunteerism and mentorship. I plan to make a meaningful impact on the world around me, both as a financial success and as a dedicated volunteer in my area. Looking towards the future, my primary goal is to leverage my education to become a successful entrepreneur and a leader in the field of BMIS. One day, I see myself starting my own technology-driven business that addresses real-world problems and creates innovative solutions that will provide greater access to technology and education in underrepresented communities. In addition to entrepreneurship, I plan to mentor high school male students and promote career paths in business and technology. I envision a plan to establish a mentorship program that guides high school students from underrepresented backgrounds in pursuing their academic and career goals and that will educate them in financial literacy. A&T prepares its students with a solid foundation of knowledge and practical skills. Outside of academics, A&T provides opportunities for networking and collaboration. Associating with fellow students, faculty, and alumni has opened doors to different opportunities and expanded my view of the world. The mentorship and guidance I have received from experienced professionals have been instrumental in shaping my career path and goals. I wish to teach and inspire others like my mentors and family taught me, and I want to empower the next generation of leaders and future Aggies.

Guy Ritchie is an English director known for his distinct style, sharp dialogue, and intricate plots. "The Gentlemen," his Netflix series, is proof of Ritchie’s storytelling skill. I was drawn to the series’ aristocratic intrigue and criminal underworld. “The Gentlemen” has the right amount of classiness and nastiness. It is a must watch for anyone looking for an unforgettable viewing experience. In "The Gentlemen" series, an aristocrat named Eddie, who is the second son of a Duke, unexpectedly inherits his family estate after his father dies. Eddie later learns that his fortune comes from a prosperous underground marijuana empire. In the series, we see power struggles and double-crosses as Eddie takes on his duties as the new Duke of Halstead. One of the things I like about "The Gentlemen" series is its interesting characters. They each have their own agenda. It is not clear who the bad guys are or who the good guys are. Guy Ritchie does a great job of making each character interesting enough that you root for them, even the weed proprietors. Another thing I like about "The Gentlemen" series is its plot twists and turns. I do not want to spoil it for anyone, but the writers tell the story in a way that keeps you guessing and eager for more. I did not want to stop watching. I had a hard time pausing to use the bathroom. Also, "The Gentlemen" series shows the lengths people will go to protect their interests. We see this in the dealings of the aristocrats and organized crime members as these characters interact with both worlds. The series illustrates an interesting commentary on societal hierarchies and the desire for wealth and power. Lastly, "The Gentlemen" series is definitely binge-worthy. Whether you are a fan of crime dramas, like me, or you appreciate a great story, like me, too, "The Gentlemen" series checks both boxes. It has thought-provoking conversations between the characters, eye-catching images of English landscapes and architecture, and thrilling action scenes. If you want more intrigue like that in the "The Gentlemen" series, check out the movie Guy Ritchie directed and produced in 2019 with the same name. "The Gentlemen" movie starred many A-list actors. It has a similar background plot as "The Gentlemen" Netflix series. The plot intersects aristocracy with the criminal world, but in the movie, an American living in England became rich by building a successful weed business. Later, when he tries to sell the business, all kinds of crazy stuff happens. It, too, is worth watching.

The most inspiring book I have read is "The Seven Habits of Highly Effective People" by Stephen R. Covey. I first read it as a part of my journey towards earning my black belt in taekwondo, I had to read a book that deals with personal, physical, or environmental development. In his book, Mr. Covey answers the question, “What are the habits all successful people share?” He also teaches you how to make the seven habits a part of your life. After reading this book, I learned that I should: 1. Find out what I am supposed to be doing, 2. Have a plan to finish what I start, 3. Do what is most important first, 4. Think positively, 5. Listen before I act, 6. Practice teamwork, and 7. Be the best person I can be. After reading this book for the first time, I learned that the best leaders lead by example and teach as they lead. Other successful people I know suggested that if I want to be successful, I should follow the habits from "The Seven Habits of Highly Effective People" and set goals for myself, then go out and work towards achieving my goals. My current goal is to complete my college education. I reread "The Seven Habits of Highly Effective People" every summer because it provides a framework that I use to shape my approach to setting and achieving my goals. By following the teachings from the book, I have been successful at college in and out of the classroom. I follow a schedule for classwork and extracurricular activities. I am on the Dean's List, I am on the leadership board of two organizations, and I make time for a social life. Twice a month, I volunteer to mentor high school kids. I have a part-time job. I successfully completed a summer internship and have been asked to return next summer. I credit my accomplishments and current mindset to hard work and dedication. I plan to continue to work towards accomplishing my goal to graduate and start a business management information systems career. Everyone can incorporate the teachings from this book into their daily lives. Making a positive impact is a lifelong journey, and it is important to stay persistent, adaptable, and open-minded. I have learned to start small, learn from my experiences, and gradually expand my efforts. Dedication and commitment can truly make a difference in the world.

Some say it is hard being a Black man in America. As a nineteen year old African American male, I sometimes reflect on my life journey and wonder about my greatest achievement to date and to come. In this pursuit, I realized that my most significant accomplishment has been overcoming the obstacles of societal expectations and stereotypes while pursuing my passion for learning. Carol Moseley-Braun once said, "Defining myself, as opposed to being defined by others, is one of the most difficult challenges I face." I believe this to be true for me. I began a STEM education and language immersion program in kindergarten. I learned Chinese and limited English. Because I felt more confident in Chinese, some teachers mistook my less than proficient skills in English as a cultural deficiency. This experience has taught me valuable lessons about myself and ignited a desire to create positive change and pursue my dreams in the future. Although I still struggle with writing in English and rely on spell check and Grammarly a lot, I have maintained above-average grades in English classes and on state English and Writing exams. My greatest achievement centers around my academic journey. Growing up in a culturally diverse neighborhood, I faced numerous challenges, primarily due to racial biases and stereotypes. People often expected me to conform to stereotypes that portrayed Black males as great at sports, disinterested in education, or as people destined for limited futures. These preconceived notions from others, including some of my teachers, could have discouraged me, but I refuse to be defined by them. Frederick Douglass once said, "If there is no struggle, there is no progress." I believe this to be true. With the support of my family and a few understanding mentors, I pushed past these stereotypes and concentrated on my studies. I spent many hours studying, maintained a rigorous academic schedule with AP and honors classes, and actively participated in extracurricular activities. I discovered a passion for reading and public speaking, which led me to engage in technology and social clubs, public speaking events, and community service projects. This pursuit of knowledge and skill-building helped me see past the limitations society tried to put on me and has allowed me to grow into a confident person who believes in the power of education to create a positive change. This experience has taught me that I am more than my skin color or the stereotypes surrounding me. My actions, perseverance, and dedication to personal growth define me. The journey to break free from stereotypes taught me the importance of self-belief, resilience, and staying true to myself. I have learned that societal expectations should never dictate who I am or what I can achieve. Looking towards the future, my goals are limitless. I plan to build upon my academic achievements and pursue a college education where I can go deeper into my interests and passions. My dream is to earn a master’s degree in management information systems, as I want to work in a business and technology environment. In school, we are taught how to use various technology-based processes to help businesses and organizations operate more effectively and better serve their customers, staff, and end product. More diversity in these business areas can be a powerful tool for positive change and encourage others to pursue similar jobs. Beyond my studies, I am committed to being an agent of change in my community. I want to empower young Black individuals like me to embrace education, defy stereotypes, and strive for success. I envision creating mentorship programs and workshops that guide and support those facing similar challenges. Also, I intend to utilize my writing and public speaking skills to raise awareness about racial injustice and societal inequalities. I want to contribute to a more equitable and compassionate society by engaging in constructive dialogues and advocating for change. In conclusion, my greatest achievement has been rising above societal expectations and stereotypes to embrace my passion for learning and personal growth. This experience has taught me that my potential is limitless and has ignited a desire to effect positive change in the world. As I continue to pursue my dreams in college and beyond, I aim to inspire others to embrace their true potential, regardless of societal prejudices. With dedication, resilience, and a commitment to creating positive change, I am confident that the future holds endless possibilities for me and my community.

Calculus is a branch of mathematics. It is also one of my favorite subjects. The impact of calculus goes across many subjects, including two of my other favorites- statistics and chemistry. Calculus is viewed as the foundation of the scientific, technological, engineering, and mathematical (STEM) disciplines. Calculus is believed to have been developed in the late 17th century by two great mathematicians- Sir Isaac Newton and Gottfried Wilhelm Leibniz. It enables engineers, scientists, and mathematicians to model complex systems, solve complex problems, understand rates of change, and optimize designs. I have studied mathematics since middle school with the goal of taking calculus during my senior year of high school. I have also studied engineering principles, analytical chemistry and statistics, and economics. Calculus is definitely one of the foundation subjects of the STEM disciplines. With calculus, we would experience more scientific advancements. With calculus, we would see more technological innovations. With calculus, we can better understand the physical world. Calculus provides a framework for quantitative analysis. It offers tools and techniques to investigate how variables and functions evolve and interact. This capability is necessary in physics and engineering. Calculus provides the tools to comprehend rates of change. The concepts of derivatives and differentials allow us to study the instantaneous rate of change, slope, and velocity of objects in motion. These principles are necessary for physics, engineering, and economics. They help engineers, scientists, and mathematicians solve problems that involve multiple variables and changing conditions. Calculus serves as a foundation for many advanced mathematical concepts. Fields such as statistics, probability theory, and numerical analysis rely on calculus to derive fundamental principles. Getting good grades in calculus has benefited me in and out of the classroom. Not only did it enhance my understanding of mathematical principles, but it also sharpened my problem-solving skills and critical thinking abilities. The dedication and hard work that is needed to excel in calculus has taught me the value of perseverance and the rewards that come with constant effort. This self-confidence and discipline have definitely influenced my approach to tackling challenges in other areas of my life. Also, my success in calculus class has made me popular with other students and faculty and has helped me get good grades in other academic disciplines. I now attempt complex challenges with confidence. Overall, getting good grades in calculus has been a transformative experience, especially having lost a year of social interaction because of the pandemic. My excellence in my studies in high school has equipped me with invaluable skills, opened doors to opportunities at college, deepened my appreciation for the world around me, and helped me to develop the necessary qualities for success and personal growth. In conclusion, the impact of calculus on STEM fields is extensive. Calculus holds great importance in the STEM field because it forms our understanding of complex occurrences and allows advancements across many fields of study. As we continue to push the boundaries of knowledge, calculus will remain a necessary tool that will empower us to explore the depths of our world further and continue to shape the future of the STEM field.

There are many benefits to going to college. You can acquire the skills and knowledge needed for a chosen career at an accredited college or university. At college, you will grow as a person and be able to contribute to your community. You will receive a well-rounded education at college that can help you excel in your future career. It is said that your college years are a transformative period where you develop communication skills and learn how to think critically and solve problems. College offers a place to explore new ideas, broaden your perspective, and become more independent and self-reliant. By pursuing higher education, you can acquire specialized knowledge and training that will enhance your employability and open up a wider range of career options. I want to work with the latest technology in an economic business environment. College is the first step in achieving my dream job. Earning a college degree is a personal goal of mine. Gaining acceptance into college is a symbol of scholastic achievement. After finishing my first year at North Carolina A&T on the Chancellor’s list, I feel a sense of accomplishment. My family says that I am walking taller and speaking better. I have been told I was an introvert, but at A&T, I made friends easily and had no problem introducing myself to people I did not know. Attending college has changed me to an extrovert. Earning a college degree is a requirement for my chosen profession. College provides an environment for networking with peers, professors, and professionals in your chosen field of study. Building relationships during your college years can lead to important connections and future opportunities, like internships, co-ops, mentorships, and job referrals. Financial support through a scholarship can alleviate some of the financial pressures associated with college. Scholarships play a big part in financing my college aspirations and career goals. Earning this scholarship would provide me with the financial support I need and lead to opportunities that can positively affect my educational journey and future career options. With your scholarship, I would not need to work during the semester. And I would have time to participate in clubs and extracurricular activities that could lead to summer internship opportunities. Earning a scholarship is a recognition of your achievements and potential. It can boost your self-esteem, demonstrate your dedication and abilities to future employers or graduate schools, and enhance your professional reputation.

My life is imperfect, but I am fortunate to have parents and extended family who speak to me like a person, not a child. My family has guided me to this point in my life, and I now understand some of the life lessons they tried to instill in me. My education included many subjects, which allowed me to explore different topics and areas of study, like mathematics, art, computer science, engineering, languages, economics, and more. I know what interests me and what does not. I am interested in technology and finance. I excel in these topics. I plan to focus on my strengths and interests in technology and finance to make a significant impact in these areas in the future. I will start by continuing my academic and social education. I am enrolled in an accredited college. I will expand my knowledge and understanding of the world's challenges and possible solutions there. I will finish college with management information systems and supply chain management degrees. I will continue to read books, articles, and research papers, watch documentaries, and listen to podcasts to stay informed about current events and global issues. I plan to use what I learn this way to gain insights into where I can make a difference. I have thought about how I inspire others like me to strive to be their best. Last year, I began volunteering through a service group affiliated with my school, where I mentor high school males in the community near my college. After I graduate, I plan to continue to engage in my community by looking for local organizations, charities, or non-profits that align with my interests. When I was in high school, I benefitted from similar activities. I plan to positively influence others through mentoring and community service. I plan to connect with other like-minded people and organizations, like Big Brother, to work in partnership to expand my impact. I will encourage others around me to make a positive impact. It is important to share what I know and have experienced to inspire others to act and come together. In conclusion, making a positive impact is a lifelong journey of mine. I have learned from others that it is important to stay determined, easy-going, and open-minded in life. I plan to learn from my experiences and gradually expand my efforts. My dedication and commitment to serving others can make a difference in the world.

The last book I read is the self-help book titled "The Seven Habits of Highly Effective People.” To date, this is the most inspiring book I have read. It deals with personal, physical, or environmental development and presents a principle-centered approach to personal and interpersonal effectiveness. The author’s name is Stephen R. Covey. In his book, Mr. Covey answers the question, “What are the habits all successful people share?” What I learned after reading this book is that I should, 1. Find out what I am supposed to be doing, 2. Have a plan to finish what I start, 3. Do what is most important first, 4. Think positively, 5. Listen before I act, 6. Practice teamwork, and 7. Be the best person I can be. This teaching motivates me to continue my journey toward finishing my college education. The spring summer has recently ended, and I am seeing other students have to leave college due to a lack of money or bad grades. I have a goal of earning a college degree. Although there are obstacles, like not having enough money and temptations to quit, I am determined to follow Mr. Covey’s teachings in his book "The Seven Habits of Highly Effective People" and not deviate from my plans. I intend to stay on track, and I hope to graduate in 2026. In his book, Mr. Covey also teaches you how to make the seven habits a part of your life. He states that the seven habits he outlines will help you move from a state of dependence, to independence, and finally to interdependence. I believe this and aspire to prove this in my dedication to reaching my goals. Another thing that I realized after reading this book is that the best leaders lead by example and teach as they lead. One quote from the book stays with me: “Leadership is communicating others' worth and potential so clearly that they are inspired to see it in themselves.” I see myself as a leader and want to become someone others look to and are willing to follow. To conclude, I put a lot of effort into getting into college and a lot of effort into getting good grades. Reading this book has put me in a better mindset. Every experience I have had has brought me to this point. If more people applied these seven principles in their lives, the world would be a better place.

A note to all readers, I mean no disrespect with the following essay. My unpopular opinion is centered around the whole politically correct gender pronoun identity ‘movement.’ Why is it that people have to label everything? Why are some individuals confrontational about normal things, like whether you were born a male or female? If you are unhappy with yourself, why do I have to learn new vernacular to avoid offending you? Why are you offended anyway? It is natural for me to see a person clearly born a female and refer to this person as “she” or “her.” It is selfish for people to want the entire world to change standard language practices taught in schools to appease a small group of individuals. Again, no disrespect intended, but, in my opinion, these people concerned about gender pronouns want attention and are using this ‘movement’ to get it. I wish we lived in a society less concerned about labeling everyone. It is enough to be labeled based on your race. In America, I am not a man. I am a Black man. And then there is religion. Now I am supposed to add an additional label of “he” or “him”, “she” or “her”- why? What is gained by this? I cannot get a clear answer to this question from anyone. The labels forced on people are already too much to deal with. Black Americans, Asian Americans, White Americans, etc., should not be a thing; it should be you, me, him, her, us, they. In this country, some are too quick to label others. With all of that said, I am someone who strives to be respectful of others and their feelings. I do not go out of my way to offend people or make them uncomfortable. If someone I need to interact with has a preference on how he, she, or they wish to be addressed, I am amiable. I may not understand, but I can adapt. I wish others were as tolerant of others as I was raised to be. If we all were more tolerant of others, we would no longer feel the need to label others. Until then, I will continue to be the open-minded, accepting individual my parents raised me to be. But that means you should strive to do the same and not judge a person on the pronouns they use but on the content of their character.

I am an upstander. I am a protector by nature and someone who hates to see another person being bullied or belittled. I am the oldest of three kids. My sisters look up to me as a protector because I have always been theirs. I am the only male out of eleven grandchildren on my father’s side and am referred to as the Reaves heir. I was raised to be polite and to stand up for myself and others. It is hard not to see the effects of racial tensions in America and not want to do something about it. Since our current justice system is unable or unwilling to pass the type of reforms that we need in America, I and others in my generation will need to speak up, stand up, and lead the change this country needs. I cannot be passive or allow my family’s concern for my safety to deter me from supporting the cause of racial equality in this country. We have more in common with one another than differences, and we should learn from one another and not allow our differences to divide us. Through activism, I plan to use my voice to speak for others who cannot speak for themselves and help change the laws in this country that allow the killers of innocent people of color to get away with murder. I participated in the peaceful protest march in my hometown after the murder of George Floyd. I have signed petitions sent to North Carolina senators urging them to address this issue. When I turned eighteen, I voted in the 2022 election and will use my vote in the future to elect people who will work to make this country better for all. I attend North Carolina A&T State University. Earning a college education will help me to become the man I am meant to be. I participate in service projects, like tutoring and school supplies drives, to help the local community. I have taken computer science, technology, engineering, accounting, and economics courses. My talents in technology and my interest in business make my choice of major perfect for my future success. I am pursuing a double major in Business Management Information Systems and Supply Chain Management. With the skills I am learning in and out of the classroom, I am a better person and a role model to others. I choose my major because business information technology is an ever-changing discipline, and graduates should have no problem finding a job after graduation. Plus, service to my community is a life goal. I aim to teach financial literacy by sharing my experiences with the next generation. I plan to mentor others and inspire them to pursue career paths in business or technology. I want to educate other young people like I was taught by other Black men, like my father, grandfather, uncles, and a few friends who are entrepreneurs in my hometown. All these men have taught me that there is no limit to what I can achieve with higher education. And with higher education, I can better serve my community. Knowledge is power, and power should be in the hands of the people, not the person. My duty as a man is to reach back to other young men and pass knowledge to them to help them grow up and be strong men and contributors to their community.

Hello. My name is Edward, but I go by Alex. I am a sophomore at North Carolina A&T State University. My immediate academic goal is to graduate with honors in 2026 with two undergraduate degrees in Management Information Systems and Supply Chain Management. My long-term academic goal is to earn a master’s degree after working in the data technology industry for a few years. My immediate professional goal is to intern at a finance company. My long-term professional goal is to work in industry, gaining the knowledge and experience necessary to in the short term earn a high-paying job after graduation and, in the long term, gain the necessary skills to one day start my own business. I enjoy helping and serving others who might not always be able to do for themselves. After college, I have two goals: to mentor males like me who need to see beyond their current circumstances and to open a Taekwondo school. At NC A&T, we are taught to give back to others. We are expected to leave NC A&T prepared to enter the job market and give back through charity. While at college, I give back by tutoring other college students and mentoring a high school student interested in pursuing a college education. It is important to me to support others like I was supported in high school. I have studied Taekwondo since age five and, in 2018, earned a third-degree black belt. Being a student of martial arts has shown me that the world is diverse and full of adventure. Through my participation in martial arts, I have learned to be courteous and kind to others. Because I participate in martial arts, I enjoy helping and serving others. Whether at the dojang or college, I learn from people older and younger than myself. I learned that skills and knowledge are based on something other than age but experience. My participation in martial arts has shown me to pay it forward. When I open a Taekwondo school, I will be able to help the community by fostering mental and physical health and well-being. In college, I study hard because I understand the importance of good grades. I need to earn enough scholarship money to accomplish my educational goals. I plan to finish my degree and become an inspiration to others to do the same. I would love to travel the world and learn about other cultures. Thank you for your consideration.

Generational wealth is the wealth that is inherited from parents or grandparents to their children or grandchildren. This wealth may entail money, real estate, businesses, investments, stocks, jewelry, or other valuable assets. Generational wealth, to me, is the true American dream. It means the accumulation of assets and financial possessions passed down within a family from one generation to another. People often speak about leaving something behind after their death. My parents speak of providing for my future through insurance and rental properties. I do not want to think of their deaths, and at the same time, I know that providing for my future is a sign of their love. Generational wealth can provide advantages for future generations, including opportunities that may not be available to those without such wealth. Generational wealth provides a safety net for unexpected financial challenges and enables families to maintain their standard of living across multiple generations. At this time, I am investing in my future financial stability by pursuing a college education. I am a sophomore at North Carolina A&T State University. I aim to graduate in 2026 with two undergraduate degrees, one in management information systems and the other in supply chain management. When I enter the workforce after graduation, I plan to seek guidance from a financial advisor who can help me build wealth over time. Sometime in the future, within five years after graduation from college, I plan to pursue a graduate degree. Earning a master’s degree or professional certification can increase my earning potential and lead to a higher-paying job. I regularly talk about money with my dad and uncle. They offer me advice and guidance as they work toward their financial goals. They suggest that after graduation, I should plan to live at or below my means, develop a budget, and stick to it, avoiding unnecessary expenses. I intend to avoid bad debt, keep credit card debt low, and work towards a high credit score. My dad also suggested that I open a Roth IRA savings account and contribute money to it monthly. And in January, I did, and I do. When I start working after graduation, I will save at least fifteen percent of my income and participate in the company 401K program. I will build wealth from my efforts to add to the wealth I will inherit. I will teach my family the lessons I learned about wealth building, as my father taught me.

Hello. My name is Edward, but I go by Alex, my middle name. I am a sophomore at North Carolina A&T State University. I aim to graduate in 2026 with two undergraduate degrees in Management Information Systems and Supply Chain Management. I am serious about being educated, and I like learning. I want to earn a master’s degree later, but I want to work on the business side of technology first. I want to earn enough money to support myself and give back to my family and others. My goal is to work, gaining the knowledge and experience necessary to start my own business. I have a broad range of interests. I enjoy art and international history. I have studied Mandarin since I was five years old and have studied abroad in China. I have studied martial arts for many years and have earned a third-degree black belt in Taekwondo. I am the oldest of three children. My sisters and I grew up in a good home with both of our parents, who work. We are not rich or poor. My sisters and I never went without food or clothes, but I could tell that we needed more money. In high school, I knew I would have to help finance my education. I did ok in high school. I finished seventeenth out of 54 graduating seniors. I regret not trying harder. I was encouraged to try my best and get good grades, but I only sometimes listened to those lessons. In college, I study hard because I understand the importance of good grades. I am able to concentrate on my studies because my parents are working hard to make sure my tuition, room, and board are paid for. My father and uncle talk to me about finances and investments. I work part-time during breaks and opened a Roth IRA savings account in January. One lesson I listened to and now live by is avoiding bad debt. I will not get a credit card while attending college and want to avoid paying for my education with a student loan. I want to earn enough scholarship money to accomplish my educational goals. I enjoy helping and serving others who might not always be able to do for themselves. I know that I am a product of the environment I came from, but that environment cannot contain me. The world is open to me. I can achieve more than my parents did with hard work and determination. I will travel the world and learn about other cultures. I have two other goals: to mentor males like me who need to see beyond their current circumstances and to open a taekwondo school. Thank you for your consideration.

The one goal my father always encouraged me to achieve was to earn a college degree that would allow me to support myself and my family. My father also taught me that education could help a man to achieve financial stability and build a better life for himself and his family. Before attending college, I benefitted from a STEM education. My elementary, middle, and high schools gave me the skills and intellectual capacity to be creative and solve complicated problems. I studied advanced mathematics, computer programming, world history, accounting, economics, biology, chemistry, and Mandarin from kindergarten through twelfth grade. There I gained a better understanding of the world and discovered many subjects that interest me today. Throughout my education, I have been told that a foundation in STEM subjects is necessary for many high-paying professions, like technology, engineering, and healthcare job opportunities. STEM programs provided me with the skills and knowledge I needed to enter college, and the college courses I take provide me with the knowledge needed for a future job in technology. At North Carolina Agricultural and Technical State University, I discovered two college majors that are challenging and rewarding. I am a sophomore at NC A&T studying Business Management Information Systems (MIS) and Supply Chain Management. My STEM education, past and present, will help me contribute to social and economic mobility. As a future STEM professional, I can make a huge impact on the world by leading in the development of new technologies and solutions to address the global challenges we face, such as climate change and inequality. One area I am interested in is working on developing renewable energy sources. I have a talent for computer programming. I plan to create new software tools that monitor, analyze, and control building energy use and system performance. Another area I am interested in is creating new technologies that can help people live healthier. In one of my classes, we discussed current efforts to decarbonize the global energy system. I plan to develop new technologies to address the global challenge of climate change. At NC A&T, we are taught to give back to others. We are expected to leave A&T prepared not only to enter the job market but also to give back through charity. I give back by tutoring other college students and mentoring a high school student interested in pursuing a college education. It is important to me to support others like I was supported in my junior and senior years in high school. An education like my one at home and school can lead to career opportunities that positively impact the world. I have been exposed to subjects that I love and can see the ability to give back to others. Once I graduate from NC A & T, I will be better prepared to join other MIS professionals responsible for creating and managing business information systems. I look forward to contributing to developing new solutions to address global challenges. After graduating from NC A&T, I aim to develop renewable energy sources to help people live healthier lives and share what I can with others.

My parents, especially my dad, have said many things to me. Do your best. Think before you act. Avoid bad debt. And get a college degree that will allow you to support yourself and your family. Before attending college, I benefitted from a STEM education. My middle and high schools gave me the skills and intellectual capacity to solve complicated problems and create innovative solutions. There I discovered subjects that interest me to this day, and I found two college majors that are challenging and rewarding. Also, I have a better understanding of the world. Research indicates that a foundation in STEM subjects is necessary for many high-paying professions, like technology, engineering, and healthcare job opportunities. By providing students with the skills and knowledge needed for in-demand jobs, STEM education can help them to achieve financial stability and build better lives for themselves and their families. I am a sophomore at NC A&T studying Management Information Systems (MIS) and Supply Chain Management. My STEM education, past and present, will help me contribute to social and economic mobility. As a future STEM professional, I can make a huge impact on the world by leading in the development of new technologies and solutions to address the global challenges we face, such as climate change and inequality. One area I am interested in is working on developing renewable energy sources. I have a talent for computer programming. I plan to create new software tools that monitor, analyze, and control building energy use and system performance. Another area I am interested in is creating new technologies that can help people live healthier. In one of my classes, we discussed current efforts to decarbonize the global energy system. I plan to develop new technologies to address the global challenge of climate change. Once I graduate from NC A & T, I will be better prepared to join other MIS professionals responsible for creating and managing business information systems. I want to work on developing renewable energy sources that can help people live healthier and longer lives. In summary, a STEM education like mine can lead to career opportunities that positively impact the world. I look forward to contributing to developing new solutions to address global challenges and help people live healthier and more fulfilling lives. My goal after I graduate from NC A&T is to work on developing renewable energy sources that can help people live healthier and more fulfilling lives.

I am a fourth-generation college student. Learning a trade or enrolling in college is expected in my family. To your question, I could tell you that I chose to attend an HBCU because most of my family attended an HBCU. But this is not why. I could say I chose to attend an HBCU for financial reasons, but this is untrue. The financial aid offers I received from the six PWIs I applied to were each more than the total aid I was offered from two HBCUs. So, why did I choose to attend an HBCU? I chose to attend an HBCU because of something my high school guidance counselor told me three months before graduation. At that time, I was deciding between two colleges, a PWI and an HBCU. I asked my counselor, a graduate of a PWI, to help me decide. After telling me it was my decision, she advised me to choose the school that would best prepare me to become the man I wish to be in four years. Thinking of my father and his brothers, four men I wish to emulate in some way; they have successful careers, big homes, nice cars, fancy clothes, and happy relationships. They all are college educated. They all attended NC A&T. HBCUs have helped prepare and motivate my parents, aunts, uncles, and cousins to be productive workplace contributors and community leaders. HBCUs provide tutoring, interview prep, and job-readiness services. Looking at their accomplishments, I see what is possible with a college education. I seek the support that my uncles got when they were my age. I want to develop the same attributes I see in them. This is why I chose an HBCU. This is why I am at NC A&T.

Life has shown me that financial literacy is a lifelong endeavor. In the past, I have had discussions with family members and friends about money. I have rich family members and some family and friends living below the poverty line. One day, while still in high school, I asked my rich uncle how he made his money. He told me to learn the basics of finance, then come back and talk with him. Thus, my journey began. The next semester, I enrolled in a business class, hoping to educate myself about finances. I was taught basic financial literacy concepts. Unfortunately, the public schools I attended in North Carolina only offer a few finance courses. I learned later about free online resources like Udemy, Investopedia, and Khan Academy, which offer courses and articles on personal finance. Some courses cost you money, but I recommend the free resources because I learned a lot from them (and they were free). Fortunately, my father is self-taught on the subject of finances. He has many books about finances and money and was pleased that I wanted to read them. Reading books about personal finance is a good way to learn different strategies for managing money and avoiding bad financial habits. A few notable books I read are “The Richest Man in Babylon” by George S. Clason, “Rich Dad Poor Dad” by Robert Kiyosaki, and “The Total Money Makeover” by Dave Ramsey. Because of my father’s influence, I understand budgeting, saving, investing, and managing debt. And more importantly, I was able to go back to my uncle to continue our conversation about how he made his money. Come closer; I will share my uncle’s secret….(whispering voice here) real estate investments. I have attended two free seminars on personal finance. At these events, I learned a lot from the presenters and got answers to my questions while there. For example, I learned that it is important to continue learning and adapting your financial strategies as your income increases (or decreases). After attending one of these seminars, I open a Roth IRA account. At the other seminar I attended, I learned that there are apps and tools available that can help you manage your money. They can help you track your expenses and monitor your investments. Some popular apps, like Penny, Zogo, and Robinhood, are free or have low fees. I plan to continue to educate myself on financial literacy. I am saving for my future and avoiding debt by not getting a credit card or a student loan. As I continue to learn more, I will teach others. I am already sharing what I know with friends and my younger sisters. It is never too early to learn about finances.

I am passionate about my education. Being a martial arts student has shown me that the world is diverse and full of adventure. People of all ages and backgrounds study martial arts. I have studied Taekwondo since age five and earned a third-degree black belt. As a martial arts student, I have learned to be courteous and kind to others. Because I participate in martial arts, I know that I enjoy helping and serving others who might not always be able to do for themselves. Whether at the dojang or college, I can learn from people older than myself and younger than myself. I learned that skills and knowledge are based on something other than age but experience. This knowledge about myself helped me in a past job where I interacted with the residents at a retirement center. I was happy knowing I was making a difference in their lives and learning from them. Also, I have been taught through my years of experience in martial arts to finish what I start. I like learning and want to travel the world. I plan to finish my undergraduate degree and inspire others to do the same. My participation in martial arts has shown me to pay it forward. This is why I volunteer as a tutor for high school students at my college. After I graduate, I plan to travel the world and learn about other cultures. I will continue to study Taekwondo and open a taekwondo school one day.

Throughout high school, I thought long and hard about what fields to consider majoring in at college. I choose to pursue Business and Information Systems as my major because business information technology is an ever-changing discipline, and graduates should have no problem finding a job after graduation. And I choose to attend North Carolina A&T State University because I believe that NC A&T will help to become the man I am meant to be. I have taken computer science, technology, and business-related classes, and I believe that my talents in technology and my interest in business make my choice of major the perfect one for my future success. With the skills I am learning in and out of the classroom, I am a better person and a role model to my younger sisters. Service to my community is a life goal. My mission is to teach financial literacy by sharing my experiences with the next generation. I plan to mentor others and inspire them to pursue career paths in business or technology. I want to educate other young people like I was taught by other black men in my life, like my father, grandfather, uncles, and a few friends who are entrepreneurs in Charlotte. All these men have taught me that there is no limit to what I can achieve with higher education.

My diverse educational background showed me where my interests lie. From middle school through high school, I was able to choose my classes and explore different subjects in school. I was lucky that my parents found Kumon, where I was tutored in math and English from sixth grade to tenth grade. Because of Kumon, I was able to excel in math classes in school. This gave me the confidence to take chances and try new subjects. I studied biology, chemistry, art, economics, accounting, computer programming, engineering, and two languages other than English. So, when it was time to choose a college major, my choice of what to study was easy to make. I am currently enrolled at North Carolina A&T State University and am studying business management information systems. I choose to pursue a degree in STEM after being exposed to different career opportunities, and I realized that I have a passion for technology. That is what is great about STEM. Through the diversity of subject matter, one cannot help but find a major that he or she can study that leads to the ability to financially support themselves after college, and can also make a lasting impact on the world. I am not just interested in earning a degree that leads to a career. I plan to take my interest in business and love of technology to a level that will benefit others. I am looking to make a positive contribution to society, and with a STEM degree and a STEM job, I will be at the forefront of innovative technology and therefore positioned to contribute to the betterment of the world.

One of many lessons I have learned from my father (and Dave Ramsey) is the borrower is a slave to the lender. This is why I joined bold.org and am applying to this scholarship and others. I do not want to burden myself or my family with student loan debt. It is my choice to pursue a college education, and it is my responsibility to pay for it. Fortunately, I have been preparing for college by getting good grades in school so that I may qualify for scholarships. I applied to nine colleges and am now seriously considering two of them. I applied for scholarships at both. Between my top two choices, one has not offered me any financial aid. My second choice has offered some financial assistance but not enough to pay for everything. There are two things I am doing to close the monetary gap between my financial aid package and the actual costs to attend college in August. First, I have been applying for scholarships through bold.org since October 2021. I have not won a scholarship yet, but I will keep trying. Second, I have a part-time job at a retirement home. My job pays me both financially and spiritually. I get paid to service the residents in the dining hall, and I feel like I make a difference there, too. I show up early to deliver mail packages to the residents, and I make sure that they follow their dietary restrictions. Sadly, I have not earned enough money to pay for one semester at my first choice. I plan to get a second job after I graduate in May. Though I am willing to work my way through school, by earning enough scholarship funds to cover my education and living expenses, I will have more time to focus on my studies. Without the burden of financial concerns, my chances of staying in college and graduating on time increase. I see getting a college education as a stepping stone towards ensuring a better future for myself. I need your assistance to help me pay for my education. Thank you for the chance to earn the Graduate Debt-Free Scholarship. I look forward to hearing your decision. Edward Reaves II

My short term educational goals are to graduate from high school in May and choose soon after that the university I will attend in August as a freshman. I see getting a college education as a stepping stone towards ensuring a better future for myself. I plan to pursue an undergraduate degree in Business Management. I have narrowed down my choices to two schools. I am fortunate to have choices in where I will study. What I do not have is the funds to pay for the tuition and housing costs. I have not had to face many obstacles in my life. I have two encouraging parents and a supportive extended family that I can count on. I have a place to live and food to eat. What I do not have is a college savings account or a lot of money. One lesson I have learned from my father (and Dave Ramsey) is the borrower is a slave to the lender. This is why the Theresa Lord Future Leader Scholarship is important to me. I do not want to burden myself or my family with student loan debt. It is my choice to pursue a college education, and it is my responsibility to pay for it. I currently have a part-time job, but I have not earned enough money yet to pay for one semester at college. By earning enough scholarship funds to cover my education and living expenses, I will have more time to focus on my studies. And without the burden of financial concerns, my chances of staying in college and graduating on time increase. Last month my twenty year old cousin died on his way to school. He was hit by a car while trying to cross the street. He was taking classes at a community college to save money. He planned to transfer into a university in a year. I owe it to myself and my cousin to go to college and become the man that he would be proud of. My long term educational goals include graduating from college in four years either debt-free or with little debt. After graduation, I will either continue my education or enter the workforce. I do not have it all planned out, like which company I will work for, but some time in the distant future, I would like to open a taekwondo school. I plan to learn the skills I need to start a business. Also, I would like to mentor other kids like myself. I benefited from a lot of support in my life, and I plan to pay it forward in some way. Thank you for the opportunity to earn your scholarship.

On November 11, 2021, I attended a financial planning meeting that was sponsored by the Kappa Foundation of Charlotte. One of the presenters at that meeting was a municipal banker. He suggested that young people who work should open a Roth IRA account. During the presentation, the presenter showed a report that compared the account summaries of two investors over a thirty year period. Both investors were the same age and opened Roth IRA accounts at the same time. Both investors opened their accounts with an initial deposit of $1000. After his initial deposit to the account, Investor One deposited $100 a month for two years, then stopped adding funds to his account. Investor Two, did not add funds to his account monthly. He waited ten years, then after ten years, Invest Two started to deposit $1000 to his account. The report showed that after thirty years, Investor One’s account had a balance that was much higher than Investor Two’s account. I learned that the longer you wait to plan and save for retirement, the more you will need to invest each month. Compound interest, which is the interest earned on your initial savings and the reinvested earnings, is a great reason to start saving early. In that meeting, we talked about the Dow Jones. We discussed mutual funds, capital gains, dividends, stocks, and bonds. The presenters defined what it means to invest in your future and what it means to have generational wealth. This was not the first time I heard these terms, but it was the first time that I was hearing these terms in a way that could benefit me and my family. The next month I opened a Roth IRA account.

On November 11, 2021, I attended a financial planning meeting that was sponsored by the Kappa Foundation of Charlotte. One of the presenters at that meeting was a municipal banker. He suggested that young people who work should open a Roth IRA account. During the presentation, the presenter showed a report that compared the account summaries of two investors over a thirty year period. Both investors were the same age and opened Roth IRA accounts at the same time. Both investors opened their accounts with an initial deposit of $1000. After his initial deposit to the account, Investor One deposited $100 a month for two years, then stopped adding funds to his account. Investor Two, did not add funds to his account monthly. He waited ten years, then after ten years, Invest Two started to deposit $1000 to his account. The report showed that after thirty years, Investor One’s account had a balance that was much higher than Investor Two’s account. I learned that the longer you wait to plan and save for retirement, the more you will need to invest each month. Compound interest, which is the interest earned on your initial savings and the reinvested earnings, is a great reason to start saving early. In that meeting, we talked about the Dow Jones. We discussed mutual funds, capital gains, dividends, stocks, and bonds. The presenters defined what it means to invest in your future and what it means to have generational wealth. This was not the first time I heard these terms, but it was the first time that I was hearing these terms in a way that could benefit me and my family. The next month I opened a Roth IRA account.

Given the opportunity, if I could influence a prominent social issue, I would advocate for the rights of people with disabilities. I work part-time at Shads Landing Gracious Living Retirement Center in Charlotte, North Carolina. Sometimes residents share with me stories of their lives. Some are disabled. A few were born with disabilities. Others were disabled later in life. Disability impacts people of all backgrounds, as well as their families and friends. In August, I will enter college as a freshman. When I graduate in 2026, I will seek employment with a company that has a proven record of considering inclusive practices and diversity in their hiring policies. I may be young, but I know that all people, regardless of race or abilities, should be treated fairly inside and outside of the workplace. I may one day have my own business. I will be sure to check with proper agencies and organizations to create a plan to both hire and retain employees with disabilities. And my business will use vendors that hire and retain employees with disabilities. My company will provide training to all employees and staff to make inclusion successful. I will make sure that my facilities are welcoming to all, including people with disabilities. For example, my facilities will include ramps at most entry and exit locations, automatic door openers at the main entrance, widened doorways, adjustable cubicles, accessible bathrooms, and appropriately sized elevators. People with disabilities have value and should be respected in all areas of life. I believe that it is up to our United States government to protect the rights of all its citizens, regardless of his or her abilities. It is important that all Americans become educated about the importance of inclusion. There are over fifty million Americans who have a disability, and some of the most successful, popular, and consequential people in history lived with disabilities. I believe that inclusion of all people should be a main consideration of policies and employment recruiting and staffing. In fact this should already be a part of how things are done in this country. But if I had to persuade or compel an organization to make policy adjustments toward greater accessibility and inclusivity towards individuals with disabilities, I would start by reminding them of their business motto. Most businesses and agencies state in their motto a commitment to service or a commitment to diversity. I would argue that individuals with disabilities are an underrepresented minority in this country and therefore an effort should be made to hire them. I believe that all employees and leadership at American businesses should be taught the importance of including individuals with disabilities on their staff. Companies and organizations are better when they involve people of all backgrounds, including individuals with disabilities. Therefore, I believe that companies should seek talented individuals with disabilities, and actually some American companies are. Google, Microsoft, Coca-Cola, and J.P. Morgan Chase are some of the companies who actively recruit and hire people with disabilities. A study of forty-five American companies by Accenture, an international professional services company that specializes in information technology services and consulting, found that companies who recruit and support employees with disabilities have twice the net income and twenty-eight percent higher revenue than those that do not. The Accenture study also found that disability inclusion efforts are a benefit to employers in that there are documented occurrences of improved productivity, increased innovation, enhanced reputation, and improved shareholder value.

The biggest problem facing the world right now is global child health and primary education. Children are our future. A child’s health and his or her education are equally important. It is essential to the success of future generations that today’s youth be healthy and well educated, yet many children around the world do not have their basic needs met. We do not have to go outside of the United States to see how malnutrition and food insecurity is affecting today’s youth. Kids who go hungry or without enough food for long periods can develop problems concentrating and learning. And if on top of that the education capacity and resources are limited, then some children are at a real disadvantage. I heard that around 600 million kids who are in school are not mastering basic math. One way we can work on this problem is through government programs. I support the U.S. federal government’s program that provides free breakfast and lunch for all kindergarten through twelfth grade students. When kids are properly nourished, they can focus on their studies. I also support year-round school. A year-round school calendar is organized into nine-week quarters, where each quarter is separated by a three-week break. To me this approach to learning is better in the long term. I believe that the information retention would be higher. I also think that universal pre-K is necessary. The sooner a child can start learning in a structured environment, he or she has a better chance of future success.

If I could share one sentence with the world, it would be the following sentence. “Those who lead by example and demonstrate passion for what they do make it much easier for their followers to do the same.” The author of this quote is Marshall Goldsmith. Mr. Goldsmith is a world renowned American business educator, author, and leadership coach. I singled out this quote because it represents the simplest and most upfront way that I was taught to be a leader. I was taught to lead by example and teach as I lead. I was also taught that if I want someone to do something, I have to first do it myself and then others will follow. I seek this scholarship to earn enough financial support to avoid having to take out a student loan. My goal is to earn a degree in Business Management Information Systems without incurring a high debt. Thank you for the opportunity to apply to your scholarship.

“Patience is a true virtue.” This is a quote taken from a poem written by William Langland, who was an English poet. In 1360, Langland wrote a poem about a man in search of faith from which this quote originates. It has been said that patience is not the ability to wait for something but the ability to keep a good, positive attitude while you wait. The Bible teaches us patience. Patience is very much important to me and should be important to every person in the world. It has also been said that the people who can wait long achieve better things than those with no patience since it is impossible to acquire success in a single day. It is through patience that we learn how important is it to hark work to achieve our goals and it will be through this work we will eventually succeed in our endeavors. This is why I seek money for college. I am willing to wait the four years it will take for me to earn a bachelor’s degree in my chosen field of study, so that I can benefit from what my degree will open up for me. I prefer to be debit-free at that time so that I can concentrate on giving back to those who will come after me. I await patiently for scholarship awards so that I can better prepare myself for the rigorous demands of a college student. and not be saddled with a large loan debt. Thank you for the opportunity to apply for your scholarship. Edward Alexander Reaves II

The most inspiring book I have read is "The Seven Habits of Highly Effective People". It was written by Stephen R. Covey. As a part of my journey towards earning my black belt in taekwondo, I had to read a book that deals with personal, physical, or environmental development. I choose to read "The Seven Habits of Highly Effective People". In his book, Mr. Covey answers the question, “What are the habits all successful people share?” Mr. Covey also teaches you how to make the seven habits a part of your life. What I learned after reading this book is that I should, 1. Find out what I am supposed to be doing, 2. Have a plan to finish what I start, 3. Do what is most important first, 4. Think positively, 5. Listen before I act, 6. Practice teamwork, and 7. Be the best person I can be. What I realized after reading this book is the best leaders lead by example and teach as they lead. To conclude, I put a lot of effort into earning my black belt. I put a lot of effort into getting good grades. Every experience I have had has brought me to this point. I think that if more people applied these principles in their life, the world would be a better place.

My utopian vision for the optimal mental health for the black community is based off of the series “See”, which airs on Apple TV+. I do not want humans to lose the ability to see. In my utopia, humans are born with a sight filter that looks passed a person’s race and only allows them to see that person. If the ability to look at a person and categorize them as belonging to a race is filtered from the human psyche, then discrimination based on race would no longer exist. It is a fact that for centuries black people all over the world are harmed, injured, or killed because of their race. In America black people are frequent victims of racism and prejudice. And for too long this violence against black people has been marginalized or ignored. For many black people in America, the lack of social and economic resources is the blame for this marginalization. And who do we go to seeking retribution or solace for this injustice? We in the black community seek justice from the very government who has allowed, and in some cases perpetrated, the very injustice from which we suffer. It is no wonder why black people and other minorities are fearful of people in positions of perceived power. We have been conditioned to fear authority since slavery. These psychological conditions are in our blood and chip away at our mental health. The psychological pressure on black people is a bi-product of this country’s racist past and present and will continue to harm many people of color if we do not learn to passed race. It is unlikely that mental health care organizations can help achieve social justice for communities of color. This is not their purpose, nor should it be. The job of mental health care organizations is to treat people with mental illness, not change the mindset of people with racist tendencies. So, in my utopian vision, if we as people could condition our psyche to filter out a person’s race and start to see people as human beings and nothing else, then maybe over the next century, we will change the psychological condition of the minds of our future generations to see beyond a person’s race. So, if we could change our ‘blood”, then the mental health problems in the black community will be a part of our past. By Edward Reaves II

Thank you for the opportunity to express my interest in seeking this scholarship. I am presently a senior at Merancas Middle College High School at Central Piedmont Community College in Charlotte, North Carolina. I plan to attend college in the fall and major in information systems technology. I will tell you three interesting facts about myself that I would like for you to consider me. The first interesting fact about me is that education has always been made a priority in my life. I am the son of college graduates. Both of my parents have masters’ degrees, and I have been exposed to different educational and career opportunities. I was enrolled in Kumon’s reading and math programs when I started the first grade, and I continued in the math program until my freshman year of high school. I have participated in a summer session hosted by the financial literacy group BreadWinners. The purpose of BreadWinners is to teach young people about professional development, entrepreneurship, and wealth-building. In the past, I participated in YBLA, Young Black Leadership Alliance. I have taken classes to learn about computer programming, technology, economics, and engineering. All of these experiences have led me to seek my next learning experience. The second interesting fact about me is I speak Mandarin. I studied Mandarin from kindergarten through eighth grade. And I was fortunate to be chosen by my teachers to study abroad in China. The third interesting fact about me is I have a third degree black belt in Tae Kwon Do. As a part of my journey towards earning my black belt, I had to read a book that deals with personal, physical, or environmental development. I choose to read The Seven Habits of Highly Effective People written by Stephen R. Covey. In his book, Mr. Covey answers the question, “What are the habits all successful people share?” Mr. Covey also teaches you how to make the seven habits a part of your life. What I learned after reading this book is that I should, 1. Find out what I am supposed to be doing, 2. Have a plan to finish what I start, 3. Do what is most important first, 4. Think positively, 5. Listen before I act, 6. Practice teamwork, and 7. Be the best person I can be. Through martial arts I have definitely learned how to be the best person I can be. To conclude, I put a lot of effort into earning my black belt. I put a lot of effort into getting good grades. Every experience I have had has brought me to this point. I do not have my future planned out, but I want to make my family proud, and I want to be proud of myself and my accomplishments. First, I want to go to college and graduate debt-free. And at some point, I will further my education beyond a bachelor’s degree. I would like to mentor other young males. So, if I am lucky enough to be accepted into college, I plan to finish my degree and try to be an inspiration to others to do the same. I hope to earn enough scholarship money in order to accomplish my goals. Thank you for considering me.