According to older people, even one of these things could have drastically changed their lives.

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I’ve spent quite a bit of time speaking and working with people in their 30s, 40s and 50s who are concerned about money. How to make more of it. How to keep more of it. A lot of those conversations focus on what they’re doing today and what they should be doing tomorrow to change their situations.

However, I know that there’s an underlying current of regret. …


After years of struggling with debt, I now understand its pitfalls and its power

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I don’t know about you, but receiving a new credit card used to fill me with such delight. Those card companies knew exactly what they were doing.

The look and feel of the plastic card would leave me stunned for a few seconds as I’d flip it from front to back. Ever notice how credit cards have gotten more slick-looking, with crisp logos and designs? You can even get them personalized these days. They’re meant to excite you.

Excited is exactly how I felt when, at the age of 16, I received my very first credit card. …


Guess what? I realised that I wasn’t and here’s what I’m doing about it.

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I tend to see myself as an open-minded, well-informed guy, your typical progressive, queer liberal who is sufficiently ‘woke’. So when I received Glennon Doyle’s highly-recommended book “Untamed” on my doorstep, courtesy of the Amazon contact-free courier, I surprised myself when I had a momentary but pronounced knee-jerk reaction to the inside cover.

It read “Untamed will liberate women — emotionally, spiritually, and physically”. What was this book doing in my hands?”, I asked myself. Had I completely mis-read the recommendation? …


It almost never works out well.

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I sat across the dinner table from two people who I knew casually from work. “Don’t worry guys, it’s my treat”, I blurted out. The bill arrived, between the 3 of us, it was $75. Without any hesitation, I reached for my wallet, and pulled out the new Capital One credit card that I got in the mail 2 weeks before.

“Oh, OK” they responded awkwardly. We’d just finished a meal at a new restaurant nearby, situated in the Chicago suburb where we worked for the same logistics company. I’d convinced myself that I…


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Black people care about our futures. It’s why our lives matter today, so that we can fulfil our dreams tomorrow.

The whole world is waking up to the reality that racism and anti-blackness are real. Not only are they real, but they are ugly and pervasive. And we’ve seen that they can have lethal consequences. While the shock and horror of seeing a black man killed at the hands of law enforcement officers has propelled the world into righteous outrage, protests and demands for change, another reality has become very clear.

People of colour, and in most cases black people…


Modesty is overrated and it’s keeping you from achieving what you deserve.

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I once knew this guy, who put 100% into his job, worked late hours, and did all the networking in the world.

Then he got shafted come promotion season. It turns out that no one really knew what he was doing or what impact his work was having on the business.

You’ve got to learn to sell yourself more”, was the advice he got from a mentor. He nearly felt his head explode like that emoji.

This guy heard the corporate messaging at work and he believed it. “We’re a meritocracy!” He bought into the idea that hard work gets…


By overcoming the 4 reasons behind your fear, you develop the confidence and fortitude to tackle any new venture.

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I was 25 years old when I left my stable job, working as an Investment Officer (which is kinda like an analyst) for the Government of The Bahamas. I was lucky to get the job in a new department and quickly developed a reputation for being bright, ambitious, and good at building relationships. Several times, it was suggested that I had a promising future ahead, maybe even one day becoming Secretary to The Cabinet, the most senior position in the civil service.

Despite all that and with little warning, I left to help a former colleague start a consultancy firm…


These are the things I did to make myself more loving and more available for love

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Black men loving Black men is the revolutionary action — Joseph Beam

Nobody told me that it would be hard to find love as a gay, black man. Yet, somehow I knew this before I even started.

For a community that spends so much time talking about love — “love is love” — the LGBT community is a hard place to find love, especially if you’re a queer person of color. My experience is that of a cis-gender, black man from the Caribbean, and I speak from the similar experience of other men who fit that profile.

It’s not the…


If I were hired by The Firm to fix this issue, here’s what I would recommend that they do

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I’ve never had a strong opinion about the British royal family, although, like most people on this planet, I haven’t been able to escape their presence for the majority of my life. Like everyone of a certain age and older, I can remember the exact moment when I heard the news that Princess Diana had died tragically.

Growing up in The Bahamas, the visage of Queen Elizabeth II was never far away. Despite our having gained independence from colonial status in 1973, the British Monarch’s face appeared on our currency all through my childhood and teenage years. …


By making these things a priority, I’ve captured greater joy and fulfillment.

A Spending Plan gives you the confidence to get the most out of your life

There are few things that people hate more than the idea of a budget. I’ve had coaching clients literally groan when I mentioned the word. Admit it, your soul just died a little too.

There’s something about the word, the concept of a budget. It conjures up images of frumpy responsibility, not the cool, interesting, and fun-loving persona to which many of us aspire. Budgets are boring. Boring people have budgets.

Or so we’re led to believe.

What I’ve come to realize is that you can have the most fun of your life when you have the confidence that a…

Kayus Fernander

I love teaching people about money, using my mistakes as what not to do. I want to help 1,000 people get one step closer to better personal finances!

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