Flaptekst

While those who come from money often enter post-secondary education and the workforce with a wealth of personal finance education, those from humbler beginnings sometimes lack the financial skills necessary to make responsible choices about their own finances. This disparity is especially pronounced for many early-career professionals and students from communities of color trying to gain a foothold in an unforgiving economy. In Overcoming Debt, Achieving Financial Freedom: 8 Pillars to Build Wealth, first-generation American and lawyer Cindy Zuniga-Sanchez shares her story of going from a low-income community in the Bronx to a debt-free business owner. In the book, you'll discover the importance of having your own why in your journey to financial independence and freedom and uncover your own personal goals and the reasons you hope to accomplish them. You'll also explore your own income, expense, and debt numbers, create a consistent and impactful budget that works for your lifestyle, be a conscious consumer, create and build savings and an emergency fund, craft a debt repayment strategy, and learn the facts about student loans they don't teach you in school. Overcoming Debt, Achieving Financial Freedom demonstrates how to build your credit, invest for the future, negotiate your pay, and find side hustles that can help further your financial goals. It provides readers with a holistic approach on how to properly manage money and debt from the perspective of a first-generation wealth builder and professional. An essential financial handbook for anyone interested in building their own wealth, this book will be especially useful for students, early-career professionals, small business owners, new entrepreneurs, and others who are starting their own financial journeys.