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Black Wealth Challenge

What's Your Number?
STARTS N R
WITH OUR MOST AOVANCEO RELAXER YET

SMOOTH

THERE'S ONE NUMBER YOU NEED TO KNOW TO BEGIN DOWN THE ROAD TO FINANOIAL PROSPERITY: YOUR NET WORTH. HERE'S HOW TO DETERMINE THAT FIGURE

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> get the 5 SIGNS OF HEALTHY HAIR
> MOISTURE > SHINE > STRENGTH > SOFTNESS >BOOY
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LABORATORIES „™eä;«i«a:

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96

here may not be a universal definition of wealth. Some may go with a doUars-andcents perspective; others, spiritual one. "I define financial wealth as the achievement of economic freedom. To me, someone is wealthy when he or she has the freedom to work or not to work; the freedom to travel or not to travel; the
VISITEBONY.COM / A U G U S T 2 0 1 3

freedom to pursue his or her own passions and dreams, or the freedom to simply \\w a life of leisure and do nothing at all," says Lynnette ííhalfani-Cox, aka The Money Coach, founder of AskTheMoneyCoach. com. No matter how you view wealth, the road to achieving it begins with a cle;i r understanding of where you are riglil now. And financially speaking, that

ACHIEVE

Black Wealth Challenge WORK IT OUT: WHAT'S YOUR NET WORTH?
BEFORE YOU FIGURE OUT WHERE YOU'RE GOING, FIGURE OUT WHERE YOU ARE

means figuring out your net worth. Simply stated, your net worth is a calculation of everything you own minus everything you owe; i.e., your assets minus your liabilities. What may seem like a basic analysis is so much more than that, when you realize that knowing your net worth is the starting point for properly assessing your current financial situation and the foundation of any wealth-building plan. "Your net worth is a benchmark for your financial health, and it can also show the extent to which you are making progress—or falling behind—economically over time," Khalfani-Cox says. Examples of assets, or things you own, include your home, automobiles, college saving accounts, retirement accounts, checking and savings account balances (don't forget to include the items and furniture you purchased for your household). Examples of liabilities, the things you owe, could be loans—auto, personal or mortgage loans—and credit card balances. "The best strategy for building your net worth is to decrease what you owe and increase what you own," says Leah Davis, a registered investment advisor with SGC Financial in San Mateo, Calif. This is particularly critical for Black Americans because assets, especially ones that appreciate in value, are the foundation of wealth building. Recent studies indicate that Blacks predominantly have only one significant asset—a home—^which makes up a higher proportion of their overall wealth. And when the housing market collapsed. Blacks and Hispanics were more exposed and hit harder in aggregate than White households. Meanwhile, higher unemployment rates and lower incomes among African-Americans left them less able to keep paying their mortgages and more likely to lose their homes. Although housing and stock market movements are beyond your control, your debts and credit card balances are well within your control and can be significant contributions to your net worth. Get a pen and all your statements and paperwork (don't guess at numbers) and use the following sheet to write down all your assets and then your liabilities. If you have a negative net worth, use it as motivation to take the EBONY Black Wealth Challenge seriously and turn that number into positive territory over the next 12 months. If you are already in positive territory, what can be done to increase it? Should you boost your cash savings or investments? Make a plan, educate yourself and commit to the goal.

ASSETS
VALUE RESIDENCE REAL ESTATE BUSINESS CHECKING ACCOUNT SAVINGS ACCOUNT MONEY MARKET . ; LIABILITY MONTHLY SAVINGS

CD
BONDS STOCKS/MUTUAL FUNDS

IRA
ROTH IRA COLLEGE SAVINGS AUTOMOBILE FURNITURE
M

ART
COLLECTIBLES JEWELRY TOTAL i
._=

.

, „•

,.

LIABILITIES
CURRENT VALUE CREDIT CARD 1 CREDIT CARD 2 CREDIT CARD 3 PERSONAL LOANS CAR LOANS STUDENT LOANS OTHER TOTAL NET WORTH ORIGINAL MONTHLY PAYMENT

I

YOUR WEALTH-BUILDING BOOKSHELF
READY TO ORÉATE YOUR OWN FORTUNE? ARM YOURSELF WITH KNOWLEDGE AND ADD THESE BOOKS TO YOUR MUST-READ LIST:

The Wealth Choice: Success Secrets of Black Millionaires

Be In it to Win It: A Road iMap to Spiritual, Emotional, and

Stop Acting Rioh ... And Start Living Lii(e a Reai Millionaire

Enough: True Measures of Money, Business, and Life the role computer technology can create in building financial empires. Ewey Johnson

Financiai
Whoieness Johnson and other wealthy individuals reach such financial heights? Kimbro reveals how passion, dedication and risktaking played a role in their success. Caldwell with Mark Seal Prayer alone won't bring prosperity. Pastor Caldwell's step-by-step guide will help you get there. a lifestyle you really can't afford? Stanley's sage advice will help you. Mutual Fund Group breaks down his strategies for building wealth responsibly and sensibly.

98

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/

AUGUST

2013

Copyright © Johnson Publishing Company, Inc. All Rights Reserved. Content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use.

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