3Notes


3Notes: Retirement Planning & Prep

Retirement Preparedness for Peace of Mind What does it take to retire and how do we prepare? Below are keys to prudent planning and preparedness. $1 Project your retirement costs. There are several calculators that let you play around with expected expenses in your latter years. Try this one or […]

Calm Retirement Preparation

Gameplan Setting Goals

3Notes: Your Investing Gameplan

A gameplan is essential to any successful endeavor. It keeps you within the bounds of your goals and rules, providing your future self guidance in decision-making. In Investing 201 Pt 2: Invesment Strategies, we looked at the foundations of our gameplan by exploring tools in our toolbox.


3Notes: Prioritizing Savings

“A good man leaves an inheritance to his children’s children, but a sinner’s wealth is stored up for the righteous.” -Proverbs 13:22 Savings doesn’t naturally occur with your paychecks every two weeks. Saving is an intentional effort to mitigate personal risk and build for the future. Thus, craft and execute […]

Father son piggy bank

3Notes: Market Corrections 2

As I briefly alluded to here, market corrections happen… and are a regular part of life.  We saw last week that markets are subject to movements as a result of non-fundamental information, like allegations that President Trump leaked unreleasable information to the Russians. With the added allegation that he fired […]


3Notes: The American Debt Bomb

The Great Recession tested all conventional wisdom in monetary policy in a crisis. That wisdom stated that central bankers should restrict the flow of money when economies are growing too quickly and expand the money flow when growth slows to artificially prop up the economy. What, then, when that money […]


3Notes: Hurdles to Homeownership

An interesting discussion broke out during the first meeting of Reid Temple AME’s Millennial Faith and Finance series 2017: home ownership. Many in the crowd were skeptical about the facilitator Rev. Loxley O’Connor’s insistence on owning a home as prudent. Understandably, millennials are hesitant to repeat the mistakes of their […]


Finance Credit Saving Primer

3Notes: The Finance and Credit Primer

The basic keys to your personal finance are debt control, savings, and credit.  ALL of these things are tied to cash flow, the cash that comes in and goes towards your responsibilities. For most this is one paycheck, but we should all aim for secondary and residual income coming in […]