My wife, mother, brother and I are in the process of creating an investment club.
Recently, my family had to "pass the hat" for a couple of family members that passsed on. Nothing saved, no insurance policy and their children had nothing to pull from to make arrangements. They all are very poor. We could not believe in 2003 this is STILL THE NORM.
Seeing this we made sure that will never happen to us. Also, time for the family to stop living check to check. Planned retirement. A little charity here and there. TIME TO HELP EACH OTHER HELP OURSELVES.
"I'm so tired of you black people walking round looking evil like that's gonna change something."