This book is a compact guide about the need for financial planning and future investment in the African American community within the United States. My aim is to provide information and advice about financial literacy, psychology, and the important need to budget and invest for the future. African Americans may be leaving their future down to chance if they do not fully understand the need for self-improvement in financial literacy. There should be an established financial education from an early age to help combat the poor choices that are often made because of this financial illiteracy. You cannot blame a community if the people were never offered any sound financial advice in the first place. Therefore, my wish is to represent and inform African Americans about the benefits of complete financial understanding.