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Welcome... I'm Charles
I know what it feels like for life to blindside you because in 2008, when the bottom dropped out of the economy, it felt like my entire world collapsed. I went from being a successful, seasoned real estate investor with over 25 years of experience… to losing nearly everything... all 17 of my investment properties were foreclosed upon, my income from them quickly came to an end, and eventually lost my home to foreclosure a short while later. I found myself flat broke, perplexed, stressed, and with no idea, or plan for how I was going to make it from day to day; let alone recover from such devastation.
It took awhile, but eventually, after regaining some emotional and financial equilibrium, a turning point happened: in just four months — (Nov 2011 thru Mar 2012) through applying financial principles I had been teaching for years — I went from flat broke to building thousands of dollars per month, in residual income. Not because I was fortunate, or someone bailed me out (no one did). But, because I finally leaned fully into minding my own business through building assets, managing cashflow, and trusting God through the storm.
The journey wasn’t easy. It was messy, lengthy and painful. Full of loneliness. But it taught me something powerful: we always have choices. And the choices you and I make with money can either keep us stuck in stress, debt and frustration, or it can usher us into financial freedom and peace!
I’ve taught personal money management lessons in churches, seminars, and one-on-one conversations for years. Now, I’ve created a way to walk personally with people like yourself through Personal Financial Freedom Education and Mentoring.
Please understand, this isn’t just about numbers. It’s about renewing your mind, strengthening your faith, learning empowering financial strategies and then putting what you learn.... to work!!
> Escape the paycheck-to-paycheck cycle
> Build real, income-producing assets
> Replace stress with cashflow, clarity and confidence
> Create a financial legacy for your family
I've chosen to be open about my wins, mistakes and losses because I want you to know that you’re not alone. There is a way to "Stop The Madness"! If I can rebuild from flat broke to financial freedom, it's serves as a witness that YOU CAN TOO!!
MY JOURNEY...
I'm exposing intimate details of my personal financial journey, in hope that my story might inspire others, who find themselves in the midst of deep financial challenges, trouble, or turmoil. So, please keep reading.
Because as long as there is life… there is hope and no matter how bad, or dismal the outlook… YOU CAN MAKE IT… you can recover and turn your financial life around!
I’ve learned that what doesn’t break you… can make you because God has a way of turning your mess, into a message and your test into a testimony! Today can be the last, of your worse days… and the first… of your best days!
THE BEST IS YET TO COME...
Who knows… perhaps your best is yet to come! As Jesse Jackson has often proclaimed 'keep hope alive'! Speak life to yourself… keep hope alive! I love Donnie McClurkin’s song “We Fall Down”! It ministers encouragement, hope, understanding and perspective.
Sometimes, we fall down. We make mistakes. Stuff happens! It’s inevitable because that's just how life is… and life happens to us all.
But as Les Brown (world-renown motivational speaker) is known for saying, "when you fall down, try to land on your back… because if you can look up… by God you can get up"! Because as Les Brown is known for saying...
There's Greatness In You!
Les Brown Speaker Training Event at Nov 2016
So, look up and be encouraged! Soon enough, you’ll be getting up! There is hope… there is help… and there is a way out (I Cor. 10:13). So, as you press through the remaining content, I think you’ll be glad you did.
During the first quarter of 2007, my financial life tanked! The proverbial bottom dropped out and all hell seemed to break loose, initiating a 5-yr period of struggle, strife and stress!
NO PAIN... NO GAIN!
It was an awfully painful experience and I wouldn’t wish it on anyone… including a so-called friend, who contributed significantly to the pain of it all. But, I won’t go there!
Prior to 2007, life had been good! I had been investing in real estate for more than 25 years and I was within a year, of executing my exit strategy. In March of 2003 (based on some new insights I had learned), I developed a personal 5-year “Financial Freedom Escape Plan”.
According to my plan, I was going to sell off a number of properties, pay off my creditors and be financially free! The plan looked great on paper, HOWEVER, I had made a major mis-step! I had not anticipated, or planned for a down-turn in the economy!
KNOCKED DOWN... BUT NOT DEFEATED!
Real estate values plummeted! And what was supposed to be my dream retirement… turned into my semi-conscious nightmare! Long story short, I got caught in the global financial melt-down and lost nearly everything… including most of my investment properties… my father’s home… a few so-called friends… my source of income… and nearly my mind. It was an extremely bad time..... I mean... R-E-A-L-L-Y BAD!
As of this writing, the fate of my own home remains uncertain. We’re still in it, but only by the goodness and grace of God! (Update: Lost my home to foreclosure in Dec, 2010).
My financial collapse hit me hard and kept me depressed for an extended period of time, but I eventually regained some equilibrium and realized that... "I still had choices"!!! I could choose to stay down and defeated, or I could choose to get back up, again… and get back into the game.
(Update #2: Since then, I've been able to get back into the real estate investment game… acquire additional properties and have been financially independent, since March, 2012)!!! What a TURN-AROUND!!! As the lyrics to an old spiritual song go “I’m so glad trouble don’t last always”!
You see… I was able to acquire 17 properties, worth $1.5 million in just 3 years (March 2003 thru March 2006) because of what I knew... understood... and did. I call it Financial Literacy… the understanding of how the world of money works… and more importantly... how to "Position Yourself To Prosper" from it.
HOW TO VIEW A SET-BACK...
I still had the "FREEDOM TO CHOOSE" what I wanted my future to be. I could… and I did… CHOOSE to make a come-back! As Dennis Kimbro, author of 'Think And Grow Rich, A Black Choice' says, “a set-back is a set-up, for a come-back”. I agree with that view point and my reality is… I still know, what I know... and I decided to CHOOSE to exercise my knowledge & freedom to make a come back!
Just because I was down… I didn’t have to stay down. I had lost a major battle, but the war was far from over! Because it ain't over..... until it's over!!! I was broke, but I wasn’t poor!
Broke means… no money! That was my reality from late 2007 thru 2011, however... broke is a temporary and fixable reality. Poor has more to do with mindset and outlook. That too, is fixable, but more difficult because mindsets tend to become rigid over time. And unless a person is willing to challenge what they “think” and be open to new information, s/he will most likely remain Stuck, Broke, & Poor!
The problem is their thinking..., which is commonly referred to as “stinkin thinkin”. It tends to hinder progress because the mind is not open to making any change! Therefore, they remain stuck in traditional, limiting mindsets of working for and relying on others, rather than on themselves... a common habit of poor people!
A Great Definition of POOR:
Passing - Over - Opportunites - Repeatedly
I knew I wasn’t poor… just temporarily broke! I realized that I still had the opportunity to "Do Something" to turn my situation around... and that's just what I did!! Now, I am actively taking advantage of business and real estate opportunities to re-build my financial house, with multiple Income Producing Assets (ie.- things that "make money for me", rather than me working "to make money").
In just four months (Nov 2011 to Mar 2012), my assets took me from FLAT BROKE to earning THOUSANDS PER MONTH RESIDUAL INCOME!!!
In the Christian world, we sing a song that says… “don’t wait till the battle is over… shout, now! You know in the end… you’re going to win”!
That’s my perspective… I know I’m a winner! Because...
No Matter What The Challenge May Be
"QUITTERS never WIN and WINNERS Never QUIT"
God has given me financial insight, understanding and a plan, for rebuilding my financial house. Equally as important though, is the plan can work for anyone willing to follow and "work" it!
He’s given me a way to help both myself... and others! Matthew 7:13 states…
“wide is the gate and broad is the road that leads to destruction, and many enter through it. But small is the gate and narrow the road that leads to life, and only a few find it.”
FINANCIALLY SPEAKING...
I’m announcing that I’ve found the road that leads to life. Now, my mission is to help as many people as I can to be among “the few” who find it!
I'm giving you a window into my financial life because I know there are literally millions of people around the world, who struggle financially, stuck in that condition commonly referred to as… "The Rat Race"… working hard for money… trading time for dollars…, with very little time… to spend, as they truly would like.
If that’s your situation… please know it doesn’t have to remain that way... because I'm going to show you THE WAY OUT!!!
If you will choose to learn it… and personally apply it…, YOU CAN DO IT! In other words, by your own choices, "You Can Escape the Rat Race" and achieve what I refer to as Personal Financial Freedom (PFF); which is the combination of financial freedom and time freedom!
Please understand that I've responded to a Godly call… to proclaim release to captives… liberty to those, who are bound… and to lead the lost…, the captives… out of financial bondage! You will be exposed to… and have access to… KNOWLEDGE, FORMULAS & STRATEGY capable of delivering you from financial captivity.
My mission is to help as many people as I can to make that transition. My own transition began with a decision... a (CHOICE) to apply what I know, and believe to be true… and I am providing you a way to
"Tran$form Your Own Financial Life"!
"Tran$form Your Own Financial Life"!
I have identified the mindset, concepts, principles, and actual strategies that I used… and continue to use... to build my financial house. Though this is my personal journey, I want to share it with you because what’s happening for me can also happen for you… and for anyone, who chooses to learn and apply that learning.
So, grab a copy of my book... Cash To Cashflow… where you'll learn everything necessary to achieve Personal Financial Freedom, including a simple 3-step process virtually anyone can follow.
Discover & Prosper From
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The Unfair Advantage Of... Financial Education!!!
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Even though I have a Business Finance Degree and have been investing in real estate since 1981, the year 2001 was a turning point for me. Four significant events caused a shift in my Real Estate Investing Philosophy, Strategy & Results.
First... I read several financial books, and went through Robert Kiyosaki's.. "You Can Choose To Be Rich".. audio course and what I LEARNED from those resources totally revolutionized my thinking!
Second... the 9/11 Attacks impacted EVERYTHING... and in addition to enhancing my appreciation for the uncertainty & brevity of life, it sharpened my focus on "PURSUING MY PURPOSE & PASSIONS"... because tomorrow is not promised to any of us.
Third... I attended a conference, where Bishop Wellington Boone spoke prophetically into my life... (concerning "MAKING Money Come To YOU") and his wise teachings are embedded into my Residual Cashflow Strategies!
Fourth and lastly, I began playing the financial education board game named CA$HFLOW by Robert Kiyosaki, which I played almost every weekend for a year... and IDENTIFIED a simple FORMULA, which I used to launch a Real Estate-Based, "Rat Race Escape Strategy", that allowed me to acquire $1.5 MILLION in real estate investments, in just over 3 years!!
SO PLEASE UNDERSTAND... YOU CAN...
"Tran$form Your Own Financial Life"!
Here's a Summary of the Steps!
STEP 1
THINK ABOUT IT! - Open your mind and allow the information to impact your thinking! Where you are presently is the result of choices you've made in the past. A powerful vehicle can be driven recklessly, without adequate understanding; or safely, through knowledge, training and skill. Be transformed, by the renewing of your mind. Open your mind to new possibilities. "The mind operates much like a parachute... it does what it was designed to do, when it's open"!
This Is What I "D-I-D"... And Continue To Do!
STEP 2
LEARN ABOUT IT! - After opening your mind, you must feed your mind. Discover insights and information about your financial vehicle, which you currently may not know. The financial education you will receive is not taught in most schools, although in my opinion... it should be. So eat, digest and develop, from a smorgasbord of highly nutritional financial principles, concepts and strategies.
Doing This... Revolutionized My Financial Understanding!
STEP 3
BE ABOUT IT! - Apply your mind... (ie. - what you think and know to be true). This is where real change occurs. By, "Taking Action"... YOU can produce the results you want (ie. - MAKE THEM HAPPEN).
Doing This... Resulted in My Personal Financial Freedom!
So if you’re ready to level up, grab yourself a copy of Cash-To-Cashflow and start your journey to Personal Financial Freedom because you're closer than you think!!
👉 Or if you prefer, sign up for my MYOB YOUniversity course. And let’s begin writing your comeback story, today.
MYOB YOUniver$ity
MYOB YOUniver$ity will Educate, Equip and Empower you with the Understanding, Strategies & Tools needed, in order to successfully manage your financial life... in essence, it will help you create the life you want to live!
Bottom Line,
The Financial Reality You Live Boils Down To
What YOU CHOOSE To...
"Think, Learn & Do"!
So, Take The Next Step and...
"Learn It"!!
Services:
1. Educate Yourself Financially at MYOB YOUniversity!
2. Enquire About Becoming a Real Estate Investing Mentee!