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It was at the age of 47 that Cheryl Derricotte realized she needed to be disciplined about saving money. “There I was with a spotty savings and no emergency fund,†says Derricotte, who works for an environmental nonprofit in Oakland, California. “I knew that I had to think about retirement, something I’d not been too serious about.â€
While working on his debut album for Epic Records, X-Factor's Astro explains how he juggles his schoolwork with acting opportunities
Lula Washington, co-founder of Lula Washington Dance Theatre, spreads awareness and instruction on African-American contributions to dance worldwide.
Halley is far from the typical image or behavior of what many might expect of a hip-hop music executive. He’s not at the clubs. He doesn’t have an entourage. He’s rarely in the gossip blogs—well, except once when Keyshia Cole, his client of eight years, tweeted that they were parting ways. “There’s nothing you can do when you get that call that they don’t want to work with you anymore,†he offers. “I leave it in God’s hands. It’s part of my growth. We both helped each other out.â€
Such shortsightedness is tantamount to aiming a heat-seeking missile at our financial future. Instead, we need a sound financial plan: 1) create a long-term savings strategy; 2) eliminate short-term spending plans; 3) refuse to reward yourself for enduring tough times; and 4) stop deluding yourself that you can treat shopping discounts and bargains in the same manner as savings deposited in the bank. Bottom line: You can’t spend your way to building wealth.
