1. Financial Literacy- Financial literacy is the ability to understand and use financial knowledge to make informed decisions and manage money effectively.
2. Tips on how to increase your financial literacy 
   1.  1. Create a budget: Creating a budget is the first step to financial security. Track your income and expenses to get a clear view of where your money is going and how much you have available to save. 
   2. Track your spending: Keeping track of your spending can help you identify areas where you can cut back and save more money. 
   3. Create an emergency fund: An emergency fund can provide a financial cushion in times of need. Aim to save 3-6 months of living expenses in case of job loss, illness, or other unexpected expenses. 
   4. Pay off debt: Paying off debt is one of the most important steps to improving your financial security. Pay more than the minimum payment and prioritize high-interest debt first. 
   5. Invest: Investing can help you build wealth and prepare for retirement. Consider investing in stocks, bonds, mutual funds, and other financial vehicles. 
   6. Educate yourself: Educate yourself on financial matters to make smarter financial decisions. Take advantage of financial literacy programs and classes to get started.
3. Michelle’s Random Fact 
   • According to a report from the National Bureau of Economic Research, professional athletes in the NBA and NFL earn an average of $2.7 million and $2.3 million, respectively, per year. 
   • However, 78% of NFL players and 60% of NBA players are bankrupt or financially struggling within two years of retirement. 
4. Quote of the Day
   • "Money can't buy happiness, but it can buy you the kind of misery you prefer" - Unknown 
   • This quote reminds us that money can be a source of both joy and stress. Money cannot necessarily buy true happiness, but it can provide us with the means to pursue our dreams, travel, and experience new things. Money can also be a source of stress if we don't manage it properly or if we use it in ways that don't bring us true joy. Ultimately, it's important to remember that money is a tool and should be used thoughtfully and responsibly. 
   • Being discipline, content and living within your means.
5. Lauryn Williams Free Financial Resources
   • https://www.lauryn-williams.com/
   • Financial Check up. 
     • Are you finances is good health? Take this assessment to find out. 
     • https://form.jotform.com/230626559265159
   • Ultimate Money Game Plan
     • Are you ready to take control and understand your finances? This is the course for you. 
     • https://worth-winning.teachable.com/p/course-ultimate-money-game-plan
     • Use Coupon Code: FREECOURSE 
   • Free guide on how to choose a financial planner.
     • https://worth-winning.ck.page/496ca2b258

More ways to connect

More ways to connect

• https://www.shotdiva.com/
• https://www.onegoldenshot.org/
• https://thepodiumlifepodcast.buzzsprout.com/
• Email: iamMichelleCarter@gmail.com
• https://www.instagram.com/shotdiva/
• https://www.instagram.com/thepodiumlifepodcast/