The best piece of financial advice I have ever received is “Young John has to take care of old John.” This year, I will be 20 and no longer be regarded as a teenager. I have my current obligations—working, paying for school, and more—but as I get older, the list steadily increases. On the other hand, I have the chance to invest in myself while I'm still so young. Even just merely taking out $10 a week from my paychecks will help me build my savings and significantly improve my future standard of living. I was a terrible impulsive spender from the time I was fifteen until I was eighteen. At fifteen, I had my first job and had my first taste of having my own money. I would spend my money on things I wanted but didn't truly need. When I was under stress because of school, or I was just bored I would spend my money. With social media as popular as it is now, I felt peer pressure to follow the current trends, whether they were in beauty, skincare, fashion, etc. When I did it, it seemed like a harmless indulgence every now and then, or perhaps my favorite pastime to do when I was bored. However, I soon realized that impulsive purchases can quickly build up and result in debt, missed payments, and even bankruptcy in the future regards. Along with taking a portion of the money I earn and putting it into a high-yield savings account, I have to consistently remind myself to live below my means. It’s crucial to not spend more than I earn every month and to aim to save a portion of my monthly income for the future. By doing this, I’ll be able to keep up a good stand of living without constantly worrying about money. It takes a lot of discipline and willpower to live below your means, but the effort is worthwhile. It enables me to pay off my bills, invest in my education, and save money aside for the future. Additionally, it aids in creating a solid financial base that will enable me to survive during times of economic uncertainty. While I’m investing in myself financially, I am also pouring into myself through education and professional development. I am continuing to develop myself because, in the long run, it can boost my earning potential and open up more career opportunities. Gaining better-paying employment, career advancements, and salary increases are all possible by investing in myself and they can all contribute to me achieving financial security and stability. Moreover, a real-world example of what investing in yourself looks like is when financial experts frequently advise their clients to begin investing early and stick with it over the long term. It implies that you shouldn't put off saving for the future until you are wealthy or too elderly. The longer your money has to grow, and the greater compounding returns you can accumulate over time, the sooner you should start investing. One of the most fundamental financial techniques is diversification. It entails investing in many asset classes, such as equities, bonds, mutual funds, and real estate, rather than placing all of your eggs in one basket. In the event that one investment goes bad, diversification can help to lower your risk of losing money. The power of budgeting and saving cannot be stressed enough. With the use of a budget, you can keep tabs on your spending and income and determine where you might make savings or spending reductions. It can help you set spending priorities and save money for things like retirement, emergencies, or other financial goals. All this is to say that all of what I said above is useless unless you have a clear plan for your financial goals. It’s important to have a clear understanding of your immediate and long-term financial goals, as well as your strategy for achieving them. You can stay focused on your objectives and make wise decisions by establishing a strategy, ensuring that you are constantly making progress toward your financial success. Honestly, the best piece of financial advice is the one that works for you. It depends on your unique circumstances, financial goals, and risk tolerance. However, it’s important to pour into your future yourself by saving, investing, budgeting, and planning with your current self. You can have a better chance of achieving financial success and security in the long run. If you don’t take care of yourself now, then who else will in the future?

I dream of achieving generational wealth for my future self and my family through my small business.

Imagine you share a border with another country, but you are on the less wealthy and more disadvantaged side. For the people who grow up in Haiti including my mom, that is the harsh reality. Haiti is already not a large country and they share a border with the Dominican Republic, which is roughly 160 miles apart. Hearing about the livelihood there from my extended family as well as my own family, particularly my mom, would break my heart as I was growing up. People from Haiti have had a long history of overcoming several obstacles. Although Haiti has made progress, especially in the past with the Haitian Revolution and in most recent years after the catastrophic earthquake in 2010. It remains one of the world’s least developed countries due to its lack of infrastructure, poor political governance, and limited access to basic resources. My mother who was the youngest of her family showed a lot of courage when she finally left Haiti and came to the U.S. at only nine years old in hopes of a better future and escaping the political, social, and environmental insecurity in her home country. My mother would always emphasize doing well in school so you can establish yourself in life and get a good job. She endured over a decade of schooling to achieve her doctorate in nursing. In Haiti, many people are living on less than $2 per day so it is important to have skills and the means to prove you can get a decent-paying job. Education is essential for black people because it has the power to end generational poverty cycles and confront systematic racism. Black people have historically been denied access to education and penalized for making even the slightest attempt. They were thereby trapped in a cycle of poverty that was passed down through the generations. One of the most effective tools black people still have for breaking this pattern and giving themselves possibilities is education. At a personal level, education has been instrumental in giving me the skills and knowledge I need to succeed in any chosen profession. Education opens a world of opportunities, from learning marketable skills to developing cultural competencies to building professional networks. These opportunities can lead to higher incomes, more stable employment, and better overall quality of life. It has also given me the agency to create and shape my own future. Through education, I’ve learned about my history and culture as a Haitian American, be able to understand the roots of systemic racism, and develop a sense of pride and resilience that empowers me to persevere through adversity. Education is important for everyone, but in particular black people because it has the power to end generational poverty cycles and confront systematic racism. Black people historically have had limited access to education and were penalized for trying. Being educated frees me as a black person from being at the mercy of unjust systems and instead challenging these systems, advocating for equity and inclusivity, and creating change within my community. One of the most effective tools black people have today for breaking this pattern and giving themselves possibilities is education.

Entrepreneurship is not an easy journey, and adversity is inevitable. As an entrepreneur, it's essential to be prepared and equipped to confront various challenges that come your way. When faced with difficult situations, there are steps that one can take to push through and continue achieving their business entrepreneurship career aspirations. Two steps I try to remember are to remain positive and optimistic. Adversity can make one feel stuck, frustrated, and overwhelmed. It's easy to get lost in negative emotions and lose sight of your goals. However, by maintaining a positive attitude and focusing on possible solutions, it's easier to see the light at the end of the tunnel. Staying optimistic is easier said than done but is essential to your mindset and your business aspirations. I have made physical and virtual vision boards on Pinterest to help clearly see my goals and help me manifest my future. Another step is to remember why you started. There have been many times where things seem to fall apart and giving up felt like my only option. In such situations, it's vital to remind yourself of your purpose and passion for entrepreneurship. Reflect on the reasons why you decided to take this route and think of the impact you want to make in the world. This will give you the motivation and discipline to keep going, no matter how tough the situation may be. It's also crucial to take care of your physical and mental health. Adversity can be exhausting and draining, but it’s important to prioritize ensuring that you're taking care of yourself. Ensure you're eating healthy meals, getting enough exercise, and resting well. Take time out to do things that relax and rejuvenate you. I personally like to read a few pages out of a current book I’m reading, go outside for a quick walk, or listen to music while getting some chores done. It is key to network and seek support from others. Setbacks can make you feel alone and as though no one knows what you're going through. This is never the case, though. Reaching out to your network of friends, family, and business associates can provide you with a sense of solace and support. They might be able to provide answers or suggestions that you hadn't thought of before. Moreover, networking opportunities and partnerships can be accessed via participating in entrepreneurship forums such as conferences, events, and social media groups. Ultimately, adaptability and flexibility are key. Adversity often requires one to be flexible, adaptable and open to change. Sometimes, it may require one to take a different approach to achieve their goals. In every challenging moment, there is an opportunity for growth and learning. Entrepreneurs who can adapt to change and find creative solutions can come out stronger, more resilient, and more successful. Finally, I would want to say that becoming an entrepreneur is a journey that has great rewards but also some difficulties. When confronted with adversity, it's crucial to remain positive, grounded in your purpose, take care of your health, network, and support others, be flexible, and adaptable. These steps will allow you to navigate any obstacle and emerge stronger, more determined, and more successful than ever before.

In order to combat negative stereotypes, give a more accurate picture of the world, and have a positive influence on how minorities view themselves, it is essential that minorities are accurately represented in the media. It produces powerful and relatable role models and sources of inspiration. The value of having someone you can look up to and relate to as a role model is something that many people seem to take for granted. When I first watched The Princess and the Frog on DVD at home when I was just seven years old, I was in awe. Although princess Tiana deserved better, her film was stunning, full of heart, valuable lessons, and had huge milestones for Disney. The movie finally provided young black girls like me with a princess that looked like them, and it has been shown that this kind of representation is crucial for our growth and self-esteem. In the movie, she is told that wishing on the stars isn’t enough; you have to work for your dreams. To accomplish her ambitions, Tiana works two jobs and avoids hanging out with her friends. She gives it her all and works hard to accomplish her dreams because she knows that it requires effort. The first and only black princess is Tiana. When the film was released, the vast majority of the Disney princesses depicted were white. Although fictional, Tiana is a perfect role model, and someone little girls need in their lives. People typically picture a girl who is saved by a prince when they think of a princess. However, Tiana would turn down advances from boys to dance since she has goals and desires she wants to achieve and doesn't have time for that. In addition to the love between a daughter and her father, The Princess and the Frog also portrayed a woman who worked assiduously to achieve her dreams. When she fell in love, she realized that she could still achieve her goals with prince Naveen and work together to make her dreams come true. My favorite Disney character is Tiana because like all the previous princesses, her marriage wasn't a bed of flowers and butterflies. She didn't wait around for a prince to woo her, and occasionally she felt discouraged. However, she fought hard for her goals and never wavered in the face of adversity.

We can be resilient and bounce back from anything if we take care of our mental health. Anybody can have a bad day, but it does not automatically mean that the rest of their life will be miserable. What matters is how we deal with it and maintain our mental health. You may have experienced a mental health issue in the past few years, whether it was a tiny setback or a major crisis. It can be challenging to prioritize yourself while pursuing educational and professional goals when faced with a seemingly never-ending onslaught of negative news on top of life's typical difficulties. So, the most effective action you can take to enhance your overall quality of life is to place more emphasis on your mental health. Mental health includes all aspects of our emotional, psychological, and social well-being. Serious mental health conditions can have an influence on your relationships, profession, education, and long-term goals in addition to your day-to-day life. Our capacity to cope, adapt, and resolve issues is impacted. It also affects how content, effective, and well-adjusted we can be. People are less likely to seek therapy and other forms of treatment because our society regularly stigmatizes people with mental illness. There is, however, nothing to be ashamed of. You cannot change the wiring in your brain. But we act as if it is our own fault and downplay its significance. Addressing your mental health issues as they occur can change or perhaps save your life as rates of mental health challenges climb globally. You can utilize a variety of methods to improve your mental health. Personally, I take care of my physical health by staying active, getting adequate rest, and eating healthy foods. Your mood can be improved through exercise, which also helps you feel less stressed and depressed. Getting enough sleep prevents me from getting easily irritated and angry, which helps me control my mood. Lack of quality sleep makes you more susceptible to experiencing depression. Additionally, I try to interact with people frequently since humans are social beings and it is crucial to building solid, positive relationships with others. Possessing strong social ties may help protect you from the negative effects of stress. Moreover, it is advantageous to have a wide range of relationships. You might discover ways to engage with your town or neighborhood in accordance with staying in touch with your family and friends. For instance, you could participate in a group focused on a hobby you like or volunteer for a local organization. All those things considered it’s necessary for me to try and have a positive outlook on my life no matter the circumstance. Finding a balance between my positive and negative emotions enables me to feel them and cope with challenging situations. As well as trying to hold onto those positive emotions when I have them. I am aware of when I need a break from negative information that I digest daily whether it is on the news or on social media. However, I use social media to interact with others and feel connected but stay vigilant about not getting into petty arguments or making comparisons between my life and those of others. Mental health is not a condition that just develops overnight. Knowing your risk factors allows you to determine whether you are prone to mental health issues. You can take some preventative measures like the ones I mentioned above to stop things from getting worse once you start to detect changes in your mental health status.

Until you face reality, you will never discover yourself. The only thing that stands between you and your dream is the will to try and the belief that it is possible. My life's ambition is to achieve financial freedom and own a small business that will positively impact the earth and others.

I have ADHD. So, I am very hyperactive and enjoy taking on many projects at once, sometimes even when I am unable to complete them all. I genuinely feel as though my brain is running with fifty different tabs open. I enjoy a challenge and attempting new things despite my lack of attention and other setbacks. There is nothing stagnant about being an entrepreneur. There are always new business opportunities to explore, new ideas to consider, and new people to meet. If you love what you do, life as an entrepreneur is a perpetual crazy ride with brand-new experiences to be had every day. The best part about being an entrepreneur is having the opportunity to take an idea and motivate other people around me to contribute to that idea, improve it, and put it into action. When it comes down to it, success is more gratifying when you were the one to be able to say you took the risks to achieve it. My own life and my childhood are truly where I draw much of my inspiration from. I have always had the desire to manage my own business in the back of my mind. I also had other interests that might have led me to a profession in either law or healthcare. Unfortunately, I chose to spend my freshman year of college trying to earn a degree in both pharmacy and law, and I suffered terribly the entire duration. I was completely lost because, despite the fact that I like science and knew it would pay well, I quickly recognized that it was not the road I wanted to take professionally. Regarding a profession in criminology, I was considering a few options, but I was basing my decision on television I had seen when I was younger, which was not a true reflection of that field. The realization that I had wasted not just my time, but also my money pursuing a degree in paths I was not genuinely interested in hit me towards the end of the academic year. I had to delve deeper and reflect on my younger self to see what I excelled the most in. I enjoyed interacting with others and had powerful rhetoric. Two abilities that are crucial to have as an entrepreneur. Whether it was swaying my parents into getting me a toy or bargaining with a seller at a garage sale I would either get my way or get a great deal. Taking the time to recognize my greatest strengths and not feeling pressured into a career path by others would have saved me a lot of headaches earlier. However, I am so glad I made the decision to follow my passion and begin my path to becoming my own boss.