My first piece of career advice is find your gifting. Find the thing that you are skilled at and figure out if you can make a living doing it.

My grandmother's grandparents were slaves. My grandmother Big Mama would tell me about the stories she heard as a child growing up in the shadows of a North Carolina plantation. It's only been in my lifetime that blacks have had the right to vote, live in certain areas or hold certain jobs. It is with this black history that I write about the financial challenges African-Americans still have.

Always keep an eye out for other opportunities.

Having fun time is a good use of your money.

I think you can save and spend to live for however long you live. You just have to be flexible if things don't go as plan.

I understand and respect people who say they want to boycott the Trump brand. I also respect your right to buy his products. But what you miss is that no one in public office, Hilary or Trump should use that platform to profit themselves. In Trump's case there are serious concerns about the conflict of interest in his brand and business ownership. Do we really want a president who had products he can push while working for the American people?

The sad thing is many people learn how to manage money after they've made a lot of financial mistakes, some that take decades to fix.