show me the money3Can I ask you something? Have you ever had a sleepless night worrying about money? Oh my goodness, I can’t tell you how much I worried about money! Raising four kids, I promise you I never thought we had enough. Honestly I was raised with a “not enough” mentality. My Dad taught me from a very young age to get in and stay in debt. His motto was “this country is built on credit and debt”—and what you don’t have, you can always borrow. My father got into as much debt as he could. When he got in over his head, he defaulted and kept it movin’.
He always, always had a get rich quick scheme up his sleeve. I remember one time when he returned from a trip he had all of these blueprints. He pulled them out and spread them all over the dining room table. He then showed my brothers and me the plot of land that he bought on an island to build a HOTEL. What?! We were a very, very average WORKING family. We didn’t have the money to build a hotel, no less a hotel on the beach on an island in the Caribbean. Questions like, “Dad how are you going to run a hotel down there . . . what about us?” Or, “Dad, do you know any builders on the Island who can build a hotel?” Or this OBVIOUS one, “Dad, where are you going to get the money?” Of course for this one, he did have an answer . . . he had talked to the bank down there (of course they said no) so he was trying to devise some way of convincing family, friends or banks here in the States to LEND him the money for his dream. But he’d bought land…a tiny plot, with a falling down shack on it, miles from the beach.
My Dad always wanted to be rich. He just didn’t have a clue how to do it.
And so when I got married I brought my broke, robbing Peter to pay Paul, borrowing, poor mentality STRAIGHT into my marriage! My husband Tony—on the other hand—grew up in a family who saved, ALL THE TIME, so you can imagine what kind of trouble we had… oooo weee…the fights! I wished we did fight about where to invest or how much to save. NO WAY. We fought about who was going to answer the phone for all the bill collectors calling…or which bill WASN’T going to get paid so that we could pay our mortgage. FOR YEARS we lived with huge amounts of credit card debt, revolving loans . . . and we struggled to save. But every Sunday in church we heard how God wants us prosperous, rich even. So checking the mailbox for checks or believing that somehow magically money was going to rain down from heaven became my weekly plight.
It was the worst time of my life.
An article that I read online, at creativemoney.biz, talked about the TOP money arguments for couples. Couples argue about merging money—should you have one joint account or separate HIS and HERS accounts.  Couples also argue about dealing with debt. And couples also argue about managing spending.
But folks, let’s stop a second and ask, WHAT ARE WE DOING FIGHTING ABOUT MONEY? What’s the real issue? I believe it’s that we ALL in some way want to be RICH—in whatever way RICH looks like for you.
For me, I always wanted to be a baller. To have a really nice home, well-dressed kids, driving nice cars and vacationing in exotic places. I got all those desires from my Dad who tried to be baller—even if he didn’t have the money. The only problem with my desire to be RICH was that I didn’t have a clue on how to handle money! Newsflash, you can’t become rich without money!! AND…the savvy to know how to handle money is CRUCIAL for success. We are literally KILLING ourselves on these jobs trying to make a dollar. We are chasing get rich quick schemes…or we’re heading deeper into debt, taking out PAYDAY LOANS to make ends meet. I have been in the grocery store line with a CREDIT CARD praying the transaction goes through. I don’t wish that on my worst enemy. But you know, ladies and gentlemen we have become our worst enemy when it comes to MONEY—particularly in the Black community. Do you know that a poll by the National Foundation for Credit Counseling found that 63% of consumers admitted that their money problems were their own fault—self-inflicted! We admit privately that we’re overspending, and that we’re financially unorganized. That’s putting it nicely.
It’s time that somebody SHOWS US THE MONEY! Why aren’t Black people making more? Why aren’t women further ahead financially? Wait…here’s the big, ginormous question, “HOW DO I BECOME RICH?”
That’s what I’m talking about in this show: SHOW ME THE MONEY! And my guest takes us right to places where FEW get to go, straight into the lives of Black America’s wealthiest. Secrets of Black millionaires. LISTEN TO THE SHOW HERE. I am your chief empowerment officer JENNIFER KEITT, and the JENNIFER KEITT SHOW is heard every Sunday, 7-8pm on KISS 104, Atlanta’s R&B. Visit my website at http://www.jenniferkeitt.com for more life empowerment resources, articles, radio shows and my exclusive ToolKEITT.

 

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