DECISION TWO
 
THE PLAN TO CREATE AND ACCUMULATE WEALTH
(AGES 21 THRU 45)

LET ME INTRODUCE YOU TO THE 75%-25% RULE:
SEVENTY FIVE PERCENT IS INVESTED IN YOUR FOOD, CLOTHING, SHELTER AND TRANSPORTAION AND 25% IS INVESTED IN YOUR LONG TERM DEVELOPMENT WHICH INCLUDES YOUR TITHES. WHICH MEANS THAT YOU MUST LIVE WITHIN YOUR MEANS BY BECOMING A NET SAVER AND DIVERTING IMPULSES TO SPEND TO FUTURE YEARS. THIS WAY YOU WILL DIVERT A PORTION OF YOUR EARNING TO FUTURE WEALTH CREATION STRATEGIES.  YOU MUST INVEST IN YOURSELF THROUGH EDUCATION, INVESTMENTS AND ENTREPRENEURSHIP.
 

When you get paid on Friday is your paycheck gone by Monday or before you get paid?

If you have more month than money, every month, is slavery (share cropping) really over OR has it spread to your home? 

When people win or earn large sums of money, why are they broke within years thereafter?

Remember when Harriet Tubman was escorting slaves to freedom, she said she could have helped many more slaves escape, but so many Negroes did not realize that they were slaves, so they refused to leave the master's plantation.  If you are living from paycheck to paycheck, are you repeating history?

In addition to food, clothing and shelter, when you have to work for four (4) months or more out of the year, just to pay your taxes, Is sharecropping really over?

Do you have at least 6 months to 12 months of living expenses saved for unexpected
opportunities (not problems)?

A job represents serious cash flow potential which shouldn't be taken lightly.  You may believe that your job should pay you more, but have you considered, maybe, it is what you do with the money you do have.  The original premise developed here is that, depending on your skill level, will determine the speed of your "cash flow diversion rate" to wealth creation factor.  The smaller your cash flow the longer it will take to create lasting wealth, but don't panic, that is why we are here.
We never know what we are capable of unless we take the journey!

In your lifetime, the odds are that you will be fired, laid off or downsized, from a seemingly secure job, at least once during your lifetime.  Suppose both you and your significant other, are laid off from work at the same time, with young children.  Take the time now, to exert a little extra energy into planning for that inevitable event.  Start a family business while employed, so that you can establish a safety net, which will eventually become through patience, and persistent effort, a major family enterprise. 
 
Your children will be groomed for success in the process!
 

It is time to turn away from major corporations and divert wealth into the communities where you work and live. We do this by creating a new generation of entrepreneurs which we invest in and support.  It is a matter of survival and transforming this nation, one more time.  This is a pivotal point in history! How can another person, or group of people respect you, if you are weak.  If you want to be strong and able to negotiate with others, you must invest in yourselves and each other. 
 
There is no other option available -- failing to "evolve" is not an option!
 
The 75-25 rule means that only 75% of your take home pay should be used on living expenses and the other 25% diverted to your spiritual and long term prosperity by investing in yourself, family and community.