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Chart your own course by taking action

Kayus Fernander
6 min readNov 23, 2020

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Regain power over your life by acting decisively and consistently

Photo by Alex Block on Unsplash

I remember the first time I saw Suze Orman on TV. She was a striking blonde lady who spoke directly into the camera, almost as if she could see her viewers. I was probably 22 years old, living on my own in Chicago and very much in need of guidance in the matters of personal finance. Her message was simple: there are a myriad number of ways to fix your finances. At the time, I was familiar with many of the concepts, being a recent graduate from an American university with a degree in Economics. She talked about 401Ks and IRA’s, budgeting and investing. This was all before the days of index funds and budget apps (way before smartphones). She was fast-talking, but she knew her stuff, gave out tough love to her numerous callers, and ended each broadcast with strong words of encouragement. I was hooked. I tuned in as often as I could. On the face of it, I really had nothing in common with this lady. She was a white, 50ish, hugely successful TV personality, author and finance professional. I was a young, black student-immigrant from the Caribbean, just starting out my working life. Still, somehow, I found her hugely appealing. She made me think that where my money was concerned, anything was possible.

Want to know what I did next? Nothing. I didn’t follow one damn thing that lady said to do. I…

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Kayus Fernander
Kayus Fernander

Written by 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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