A Bit About My Personal Financial Journey!

During the 2007/2008 economic collapse,
The proverbial bottom dropped out,
and all hell seemed to break loose...

initiating a 5-yr period of
Struggle, Strife and Stress!!!

However, in a period of just four months, my assets took me from FLAT BROKE at November 2011 to earning THOUSANDS Per Month Residual Income by March 2012!!!

Question - How was I able to do that???

Short Answer: Thru (Financially) "Minding My Own Bu$iness"


~~~ I'll unpack that with more detail shortly ~~~


Whereas most people are guarded about their personal financial condition, I have chosen to share where I’ve been, where I am, where I’m going, and the actual financial strategies I use!!! My personal story is a transforming journey from

“Stressed About Money Mess”
“Financially Blessed... And Less Stress”

And Your Financial Life Can Be Transformed, Too!!! It's all a matter of choices. But, perhaps you relate more to the money mess part. If that’s the case, please know that it can change. You have choices. You can choose to turn your financial life around! If I can do it… and I D-I-D… then you can do it, too!!! You will soon see how it is P-O-S-S-I-B-L-E for YOU!! And please know that you can get there sooner than you may think!

Ahhh, but therein lies THE REAL PROBLEM! What you "THINK"! We will deal with that issue soon enough. For now, just consider the POSSIBILITY that things can get better... MUCH BETTER!


I've chosen to expose 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!


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"!

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!


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!


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”!

As previously stated, this is a journey... it's my journey... and the journey isn't over. However, there is an important perspective that I want to share with you.

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.


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, 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...


God has given me financial insight, understanding and a plan, for orchestrating my financial recovery. Equally as important though, is the plan can work for anyone willing to follow 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.”


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. There is A 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 become financially independent!

I have 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"!

I have identified the mindset, concepts, principles, and actual strategies that I used… and continue to use... to make my transition. Though this is my personal story, 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.

I really like the way Robert Kiyosaki (best selling author of Rich Dad, Poor Dad) states the way out, in his audio CD program called ‘Choose to be Rich’. His recommended approach is short and to the point…he simply says…

“Think It, Learn It, Do It”!

And I Whole-Heartedly Agree!


Sobering Financial Realities


YOU Are Only Limited By
What "YOU CHOOSE" To...

"Think, Learn & Do"!!!


So, Discover & Profit From


The Unfair Advantage Of... Financial Education!!!


Although 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!!


You Can Be Free
If You Choose To Be!!!



The Financial Power-In-You



Choose To: "Think About It"!


Because Change Begins With What You Think!


(Open Your Mind To Receive New Information)

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!




Choose To: "Learn About It"!

Because You Don't Know, What You Don't Know!

(Increase What You Know & Understand)

Discover The Unfair Advantage Of...
Financial Education!!

Doing This... Revolutionized My Financial Understanding!




Choose To: "Be About It"!

Because Action... Produces Results!

(Apply Your New Knowledge In The Real World)

Doing This... Resulted in My Personal Financial Freedom!


First, A Quick Question...



Enev tuohgh teseh wdors aer sabmlrecd, yrou mdin sha het aeomwse atialby ot raed tehm plectrfey. Inst htat anzimag?

The human mind is capable of being much more than a hat rack. It can change your life... if you let it.

I have taught money management classes & seminars for a number of churches... and advised hundreds of individuals & families about money matters over many years. I finally decided to compile my teachings into a system, through which you now have the opportunity to learn. But right now, I'd like to give you a heads up, on how you (and virtually anyone, for that matter) can take control of your financial life and create whatever financial reality you choose. Because the buck$ start with YOU!

The buck$ start, when YOU take control of the steering wheel, of "Your Financial Life" and direct it to where YOU want to go... even if you may feel like your present financial life is spinning out of control.



MYOB YOUniver$ity will help you better understand... and thus successfully manage your financial life... in essence, it will help you create the life you want to live. Do you believe that's possible? Well, continue on because I'm going to demonstrate clearly, how you can do that.


I'd like to begin, by sharing a quick story with you... a true story! I remember one beautiful, peaceful summer morning, about 38 years ago (I was about 19 at the time) and I felt like doing something adventuresome.

I had no idea what... but I wanted to do something exciting. I drove around and ended up at a car dealership, where I came across a 1967, 4-speed, Mercury Cougar. It was N-I-C-E!!!

I requested to take it for a test drive and the salesman didn't bother to go with me... he just asked for my license and gave me the keys. Hummm... a nineteen year old adventurous kid, an awesome 4-speed Mercury Cougar, a sunny, beautiful Saturday morning with nothing to do... kinda sounds like a day where anything could happen, huh?

Well, I quickly discovered that this car had an incredible third gear. I mean, when you punched it, it was like the car reared back and then raced forward, as though it had been launched... kind of like they illustrate in cartoons. Anyway... fast forward.....

I picked up a relative (who shall remain nameless, to protect the guilty:-) and I parked the car on the street in front of his house, which was a block and a half, from a busy 4-lane main street (an important detail)! As we go to the car, I toss him the keys saying... you know how to drive a stick shift, right... right. And off we go.


From the curb... he floors it and quickly shifts to second. As we approach the last block he hits third and... whoa... you know what happened. And unbelievably, he then shifted to forth!!!! Man... he needed to hit the brakes, not the accelerator.

Finally, he slammed on the brakes, skidded and turned the car sideways, ending up in the mouth of the intersection, with the passenger side (my side... yikes!) narrowly avoiding on-coming traffic!!! Wow!!!

I had more adventure and excitement, in that short ride than I had bargained for and it could have easily cost me my life. It's been said that God watches over babies and fools. Well, we were young..., but not that young, we were not babies... however, we had acted quite foolish. But, thanks be to God, for his amazing grace!

I share that story with you because you may feel like your financial life is spinning out of control. Perhaps you thought you knew what you were doing and had the necessary skill to drive your financial life.


However, much like J (oops, it almost slipped out) there's something about the vehicle you didn't know, or understand. If that's your situation, don't worry... because not only have I been there... but I can & want to help you!

There is an explainable, teachable and systematic way to gain control of your financial life and I both.. expose & illustrate the way to Personal Financial Freedom, in MYOB YOUniver$ity! Please understand that, regardless of whatever financial challenges you may be currently facing, you have the ability to overcome financial struggle and create financial success, because...


You can develop the knowledge and skill to drive a fast, heavy horsepower financial vehicle... capable of taking you wherever you want to go in life. Having said that, please know that it's risky to just jump in and floor it!

Therefore, I want to recommend a 3-step process, which will Educate, Equip and Empower you, with everything you need... the Knowledge, Strategy, Tools and Skills to effectively manage your Financial Life.

You will learn valuable insights about this vehicle. You will understand its capabilities, how to harness its awesome power, and how to make it work for you. Doing so, will empower you to drive your financial vehicle, with skill and confidence.


Here's a quick overview:

1. THINK 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 is much like a parachute... it does what it was designed to do, when it's open"!

2. LEARN 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.

3. DO 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).


As we move forward, I will address some financial literacy fundamentals, in order to further impact your thinking. For now, I'll simply ask you to "think" about this... we are what we eat; both physically and financially.

By improving your intake, you can improve your output. Understand that unless your income exceeds your outgo, your upkeep will become your down fall!

You can LEARN how to create "Personal Financial Independence"!!!

By following the above steps you can start working smarter, rather than just harder. You can discover how to "Position Yourself To Prosper", through acquiring ownership of Re$idual Income Producing Assets. We'll talk about those concepts, shortly.

Most people don't make enough because




Fortunately, both problems are fixable.


Are You Financially Hungry?

What You Will Learn


This Course Will Teach You How To

"Break Free Of Financial Dependency"

(ie. - "How to Escape the Rat Race")

In a Matter of Just Hours, You Will Learn...


Most People N-E-V-E-R Learn In A Lifetime!


(7) Life Tran$forming Money Ma$tery Fundamentals

Fundamental: #6

 (5) Enemies To Your Financial Well-Being



How To "Make Money Work" For You!


How To "LEGALLY" Reduce Your Taxes!


How The Rich "Get Richer"
And How You Can, Too!


How To "Break Free" Of A J-O-B!


 (4) Financial Strategy Comparisons




(Invest In Your "MIND")

Escape Formula Exposed!

By Learning & Applying a Few

Fact$, Fundamental$ & Formula$

You Can Tran$form Your Financial Life! Because...


Live Whatever Financial Reality



1) Are you getting the results you want and are you making progress towards achieving your goals?

2) If not, why not?

3) What are you "WILLING" to "DO" about it?


I am a Financial Educator and Real Estate Investor & Mentor, who enjoys Helping People Who Are Ready To "Turn What You Want In Life... Into What You Get In Life"!  Because....



Discover A Simple
Income Producing Strategy & System
"That Virtually Anyone Can Do"!!


So, What Do You Do Now???


Choose To Learn What Most People



Get The Full Details At

~~~ Click The Above PayPal Link ~~~

(And The TRUTH Will Set YOU FREE. - John 8:32)


And Don't Let The Low Cost Fool You


"Think, Learn & Do" 
Can Result In Your 
Personal Financial Freedom!

SO, "DO IT"... TODAY!!



1. Real Estate Investing & Mentoring

CG's Events & Meeting Place

2. Golf FUNdamentals

3. Playing Sax Made Simple