Personal Finance


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

Father son piggy bank

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 […]


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 […]


Millennials and Retirement – The How and The What

Unfortunately, millennials are not thinking about retirement at this age and it is a fatal mistake. One of the main things we should always realize and remember is 401(k)’s were never designed to be the full solution for retirement income. 401(k)’s were designed to supplement defined benefit plan, not replace them. As […]