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  • My favorite part of Peyton’s bedroom refresh is her art from @sheisthisdesigns! I need to order more for Harper’s room and my new office space. I dreamed of having a room like Peyton’s when I was growing up (sometimes now 😆). She’s also has a closet to die for.  I always tell her if she can’t keep it clean, I’m putting my stuff in there.  We’ll be cleaning that out soon! Paint color is Revere Pewter by Benjamin Moore.  More room pics on the blog. Link in profile. #heytrinashome
  • Picture of my girls actually fighting against doing any school work.  This homeschooling thing is a full time job! Mr has locked himself in my old office leaving me to fend for myself. I’ve decided to give the girls and myself grace (and 🍷). Not that I’m letting them win, after hours of going back and fourth I have to know when to call it a day.  One night I was up with Peyton till almost 10 helping her finish her work and I knew this can’t be life.  So we’re working about 2-3 hrs a day on school plus reading.  That’s all i got.  Just praying  she passes 4th grade 😩. How’s it going for you guys? #graceandmercy shirts fine @pintsizefaith
  • Another project under my quarantine belt! Peyton’s pre-tween bedroom refresh is done! It looks so good and matches the vibe of the rest of the house. Peyton wanted to kick the bright pinks to the curb. Now Harper wants her room update 😒. Her only update will be a good cleaning 😩. Spent less than $100. Swipe to see the before that was already cute. Links to everything on the blog (link in profile) #heytrinashome
  • Spring is here but no spring break 😓. Just over here washing my hands, trying to stay positive and plotting where I’m going when this is all over. Homeschool was a fail this week but I did finish my new Supermomculture.com site, set up my new workspace and deep cleaned my kitchen.  Currently happy hour at the crib. Can’t wait to rock this @suakokobetty outfit again.
  • My 2nd quarantine project is complete! So y’all remember that cute office I had.... well Mr stole it a few years ago even though it has pink accents 😒. My pictures are still on the wall an everything.  Since then, my main office has been the kitchen counter with my laptop. How am I supposed to run a multi-thousand dollar business from the counter? Being a blogger is one thing but having a retail business is another beast. I have a computer in my guest room where I package orders but it was on a small writers desk with no room for papers or anything.  It was getting too hectic. So I switched the room around to make more space to fulfill orders and work. I shopped my basement to put it together. I super excited to have a new space where I can leave my papers and planners. My desk is the Linnmon desk from Ikea. I already had 2 of these tables that are on the other side of the printer for @supermomculture orders. PS: while I’m being productive my kids aren’t 🤷🏾‍♀️
  • Trying not to come out of this self quarantine 50lbs heavier.  The girls and I did a 30 min Tabata and they are now doing hip hop routines on YT.  I wrote a post last year sharing my favorite free home workouts.  Visit the blog and search workouts or watch my stories for swipe up.  Doing my best to stay busy and being productive cuz after cleaning my kitchen, I haven’t done anything else 😩. Outfit from @jdowfitness #homeworkouts
  • Speed kitchen deep clean! Taking this time to get my home in order. I used several products including my favorite stainless steel wipes. I used a mixture of warm water and vinegar to clean the floors by hand. There are a lot of ways you can disinfect with what you have at home since everyone finally decided to clean up now. I’m also counting this as my home workout 🏋🏾‍♀️
  • Let’s play a game! Since 2020 is turning out to be the “Ghetto” I want to know what you do that would be considered “Ghetto”. I know we act all bougie on the internets but I know there’s something we do that we know would be frowned upon. Set yourself free and tell me in the comments.  I may pick a winner who makes me clutch my pearls... maybe a @supermomculture tee 🤔. I’ll leave mine in the comments 😆 📷 @kaynjames
  • Channeling my inner Supermom powers during this time to clean this house from top to bottom. I’m starting with a kitchen deep clean. Then it’s on to bathrooms, the girl’s rooms, closets and my workspace.  I’ve ordered Mr to paint the guest room, y’all know how that goes 🙄. It’s the last room in the house that hasn’t been painted. Get ready for a lot of home content since I’m stuck here. Let me know what y’all want to see. #springcleaning #heytrinashome
  • Working for yourself can be overwhelming during tax time.  #AD Instead of being stressed out, I headed to @HRblock to meet with one of their tax experts.  My tax pro Darshna was awesome.  She answered all of my questions and gave me some great tips for my personal and business taxes. I plan to use my refund to invest back into my business (and maybe a few pairs of shoes). Save time with convenient hours and get upfront pricing.  Use code 69539 to save on your tax preparation fees at @hrblock . #betterwithblock
  • It's our 1 year anniversary of Supermom Culture.  One year ago I pushed post with a slight panic attack to share a tee and a hoodie that I didn't know if anyone would like, let alone buy.  When they say you have to do it scared, it’s true! I've always wanted to create something fun, cool and comfortable that represents what I stand for.  Thousands of shirts sold and we’re just getting started! I want to thank you guys for all the support via likes, follows, tags and photo shoots.  This movement wouldn't be what it is if it wasn't for you guys. There is more to come for Supermom Culture to celebrate you guys!  Be on the lookout for new drops and live events! Black on Black is now back in stock!  To celebrate I have a special deal when you buy one, get a tee 25% off! If you don’t have one, go ahead and save on the black and white tee. No code needed!  Link in profile. Love y’all!
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Tips for Building Generational Wealth by Money Expert Tonya Rapley

February 1, 2018

Happy Black History Year (Month)! I’m kicking off this month of Black Excellence with a BANG! Last year I didn’t think too much about generational wealth because I thought was doing fine making a living. Then I saw an article that stated that the black woman’s network was $5. WTH! How can this be? I started to read more about generational wealth and how and why black people have a disadvantage. The biggest reason we have such a low net worth is because most of us started out as slaves. Slavery was only 150 (or less) years ago. That’s not that long. Our people were still fighting for our rights to vote in the south in the 60’s. My mom was a young woman at this time and live through it all. Yes, we have come a long way to go but we have to continue to work towards building real wealth.

Today you are in for a treat! I have the financial expert, Tonya Rapley from My Fab Finance sharing some important tips to building generational wealth. If you haven’t heard, Tonya is the shizzz! Tonya has been a “cover girl” of Black Enterprise, featured in Toyota campaigns, global speaker and also helped participants of her debt elimination challenge pay off over $400,000 in debt in 60 days. I told you she was the truth. I’m so excited that Tonya took time out of her busy schedule to share some important tips to building generational wealth. Please read this post and share! This is so important to us and our children and their children.

1. Set a good money example.

Your children are watching you and what you do will likely impact hem more than what you say. The relationship you have with money can shape your children’s perspective and experience and inherit a healthy relationship with money is invaluable.

2. Establish a Roth IRA for your Child

One of my colleagues, Dominique Brown established a ROTH IRA for his daughter and set a goal to max out contributions yearly. Currently, parents can contribute $5,500 to a Roth IRA if they are under age 50, or $6,500 if over age 50. Parents are able to make withdrawals on their contributions (not earnings) from Roth IRA accounts prior to age 59 ½ without incurring a tax penalty as long as the money is used for higher education expenses.

The money will accumulate tax-free just like it would in a 529 plan but if the child doesn’t go to college, gets a full scholarship or pays for school some other manner, the money will stay in the Roth and can be used for a down payment on a house, disability or jumpstart their retirement savings.

3. Purchase a Life Insurance Policy

Life insurance could be a valuable asset for parents who are asset poor. In the event of an untimely death, a permanent life insurance policy could replace your financial contributions to the household or enable your children to pay off your mortgage and other liabilities that you incurred. Aside from this, a life insurance payout could be used to fund a business or other investments your child might not have the income to invest in otherwise.

Keep in mind that a term life insurance policy is often cheaper yet expires after a certain amount of years. so if you purchase a 30-year term life insurance policy at 28, the policy will expire at 58 and you will lose all the money you put into the policy. A whole term policy is often slightly more expensive but does not expire.

4. Buy Stock or Request it For Birthdays and Holidays

The stock market is doing phenomenal and with new companies going public every day, purchasing stock for your children could be a sound investment that would become a valuable investment over time. You can set up a custodial account and ask for cash as birthday gifts for your children that will be used to purchase stock on their behalf in some of their favorite companies. It is a gift that keeps on giving after trends have expired and they lose interest in toys.

5. If all else fails, focus on your financial security.

Even if you aren’t able to set aside college tuition or investments for your child, one of the greatest gifts a parent can give a child is for you to become financially secure. In the absence of your financial insecurity, your child can focus on their dreams and establish a strong foundation for their household rather than financially supporting a parent. This doesn’t mean that they wouldn’t emotionally support you or take care of you in the event of the unforeseen, but it means that you wouldn’t become a financial burden.

Setting my kids up for financial security is high on my priority list. I’ve already started to learn more about 1Life Direct so I can get a life insurance policy that suits me and I’m grateful that Tonya took time out of her busy schedule to share these life changing tips. Tonya’s site is full of great tips and resources for financial freedom. I’ve been following her for several years and she is always on point. Click HERE to learn more about My Fab Finance.

I don’t come from money (not that I have any now) and my mom struggled at times to raise me alone. I watched my mom lose everything and build it back again. Just know that it’s possible to turn financial security around. I hope that you found these tips helpful and start to implement them. I’ve already started buying stocks for the girls and my niece this past holiday season using the site Stockpile. They make gifting stock easy. You can learn more about it HERE. I encourage you to share this post with your friends and family. It doesn’t take a lot to get started on building generational wealth for your family.

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