ERNEST B. MAKULILO (EBM) @EBMSCHOLARS - Twitter Profile

My name is Ernest. I was born in the quiet, often overlooked region of Kigoma in Tanzania—but even as a child, I carried a dream that felt far bigger than my surroundings. It was the late 1990s. There was no internet, no easy access to information, no roadmap. But somehow, deep inside me, there was a voice—persistent, unshakable—whispering the same message over and over again: You must go to America. I didn’t know how. I didn’t know when. But I knew I had to. Looking back, I realize one of the greatest struggles in life is not the lack of effort—it’s the lack of direction. So many people fight with everything they have, yet they don’t know where to begin. That was the world I came from. A world of ambition, but limited access. A world of dreams, but very few clear paths. Then, in 2008, everything changed. By the grace of God, I received a Fulbright Scholarship under the Fulbright Foreign Language Teaching Assistant Program. It was more than just an opportunity—it was a door opening into the life I had dreamed about for years. For the first time, I stepped onto American soil, not as a tourist, but as a teacher. I was assigned to Marshall University in West Virginia, where I taught Kiswahili from August 2008 to May 2009. I still remember those days vividly—the excitement, the uncertainty, the silent battles no one could see. I was living the dream, yes—but I was also learning the reality. After that chapter, another door opened. I moved to California, where I earned a second scholarship to study at the University of San Diego. There, I pursued my Master’s degree in Peace Studies and Conflict Resolution. On paper, it looked like a story of success. But behind the scenes, it was a journey of growth, mistakes, and hard lessons. Because the truth is this: being an immigrant is not just about arriving—it’s about surviving, adapting, and eventually rising. I made mistakes. Many of them. I misunderstood systems. I underestimated the cost of living. I learned, sometimes painfully, that hard work alone is not enough if you don’t understand how the system works. And I began to notice something that troubled me deeply. I saw people—just like me—who had been in America for years. Two years. Five years. Even ten years. They had come with big dreams, just like I had. But somehow, they were still stuck. Still struggling. Still living paycheck to paycheck. And the most frightening realization? They couldn’t survive even one or two months without a job. That’s when it hit me. How is it possible to live in one of the richest countries in the world for years… and still be financially fragile? That question changed everything for me. I realized that the problem was not effort—it was knowledge. It was understanding. It was the failure to learn the rules of the game. Because America is not just a country—it is a system. And if you don’t understand the system, the system will use you. I refused to let that be my story. And now, I refuse to let it be yours. My mission became clear: to educate, to guide, and to empower immigrants—especially those coming from Africa—so that they don’t have to walk blindly the way many of us did. I want them to arrive prepared. To build, not just survive. To grow, not just struggle. Because coming to America is not the victory. Understanding the new rules of money—that is where the real journey begins. FREE ONE-ON-ONE FINANCIAL EDUCATION SESSION Personalized guidance to help you: ✔ Make smarter financial decisions ✔ Build long-term wealth ✔ Take control of your future WHO CAN JOIN? Individuals currently living in: United States & Canada BOOK YOUR FREE SESSION TODAY: https://t.co/t4ysRRjziO EBM SCHOLARS, LLC Empowering Immigrants Through Financial Education

EBMSCHOLARS's tweet photo. My name is Ernest. I was born in the quiet, often overlooked region of Kigoma in Tanzania—but even as a child, I carried a dream that felt far bigger than my surroundings. It was the late 1990s. There was no internet, no easy access to information, no roadmap. But somehow, deep inside me, there was a voice—persistent, unshakable—whispering the same message over and over again: You must go to America.

I didn’t know how. I didn’t know when. But I knew I had to.

Looking back, I realize one of the greatest struggles in life is not the lack of effort—it’s the lack of direction. So many people fight with everything they have, yet they don’t know where to begin. That was the world I came from. A world of ambition, but limited access. A world of dreams, but very few clear paths.

Then, in 2008, everything changed.

By the grace of God, I received a Fulbright Scholarship under the Fulbright Foreign Language Teaching Assistant Program. It was more than just an opportunity—it was a door opening into the life I had dreamed about for years. For the first time, I stepped onto American soil, not as a tourist, but as a teacher. I was assigned to Marshall University in West Virginia, where I taught Kiswahili from August 2008 to May 2009.

I still remember those days vividly—the excitement, the uncertainty, the silent battles no one could see. I was living the dream, yes—but I was also learning the reality.

After that chapter, another door opened. I moved to California, where I earned a second scholarship to study at the University of San Diego. There, I pursued my Master’s degree in Peace Studies and Conflict Resolution. On paper, it looked like a story of success. But behind the scenes, it was a journey of growth, mistakes, and hard lessons.

Because the truth is this: being an immigrant is not just about arriving—it’s about surviving, adapting, and eventually rising.

I made mistakes. Many of them. I misunderstood systems. I underestimated the cost of living. I learned, sometimes painfully, that hard work alone is not enough if you don’t understand how the system works. And I began to notice something that troubled me deeply.

I saw people—just like me—who had been in America for years. Two years. Five years. Even ten years. They had come with big dreams, just like I had. But somehow, they were still stuck. Still struggling. Still living paycheck to paycheck.

And the most frightening realization?

They couldn’t survive even one or two months without a job.

That’s when it hit me.

How is it possible to live in one of the richest countries in the world for years… and still be financially fragile?

That question changed everything for me.

I realized that the problem was not effort—it was knowledge. It was understanding. It was the failure to learn the rules of the game. Because America is not just a country—it is a system. And if you don’t understand the system, the system will use you.

I refused to let that be my story.

And now, I refuse to let it be yours.

My mission became clear: to educate, to guide, and to empower immigrants—especially those coming from Africa—so that they don’t have to walk blindly the way many of us did. I want them to arrive prepared. To build, not just survive. To grow, not just struggle.

Because coming to America is not the victory.

Understanding the new rules of money—that is where the real journey begins.

FREE ONE-ON-ONE FINANCIAL EDUCATION SESSION

Personalized guidance to help you:
✔ Make smarter financial decisions
✔ Build long-term wealth
✔ Take control of your future

WHO CAN JOIN?

Individuals currently living in:
United States & Canada

BOOK YOUR FREE SESSION TODAY:

https://t.co/t4ysRRjziO

EBM SCHOLARS, LLC
Empowering Immigrants Through Financial Education

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ERNEST B. MAKULILO (EBM)

@EBMSCHOLARS

about 1 month ago

SEMINA HII NI KWA WANAOISHI MAREKANI NA CANADA (JUMAPILI USIKU) Seminar/Webinar (Online kwa ZOOM) kuhusu maisha ya Marekani na Canada, pamoja na elimu ya fedha, kodi, mipango ya kustaafu, kazi, biashara na jinsi ya kuepuka changamoto mbalimbali kama mhamiaji. Mada hii itawasilishwa kwa lugha ya Kiswahili. Muda wa kuanza: Saa 12 jioni – Pacific Time (California, Washington, Oregon time) Saa 2 usiku – Central Time (Missouri, Kansas, Illinois time) Saa 3 usiku – Eastern Time (Maryland, New York, Virginia time) Karibu sana kushiriki. Kama hutoweza kufika, tafadhali nijulishe mapema. ZOOM Join Zoom Meeting https://t.co/A4Bz2zGixJ Meeting ID: 843 0266 8639 Passcode: MoneyTalk Karibu sana

EBMSCHOLARS's tweet photo. SEMINA HII NI KWA WANAOISHI MAREKANI NA CANADA (JUMAPILI USIKU)

Seminar/Webinar (Online kwa ZOOM) kuhusu maisha ya Marekani na Canada, pamoja na elimu ya fedha, kodi, mipango ya kustaafu, kazi, biashara na jinsi ya kuepuka changamoto mbalimbali kama mhamiaji.

Mada hii itawasilishwa kwa lugha ya Kiswahili.

Muda wa kuanza:
Saa 12 jioni – Pacific Time (California, Washington, Oregon time)
Saa 2 usiku – Central Time (Missouri, Kansas, Illinois time)
Saa 3 usiku – Eastern Time (Maryland, New York, Virginia time)

Karibu sana kushiriki.

Kama hutoweza kufika, tafadhali nijulishe mapema.

ZOOM
Join Zoom Meeting
https://t.co/A4Bz2zGixJ

Meeting ID: 843 0266 8639
Passcode: MoneyTalk

Karibu sana

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ERNEST B. MAKULILO (EBM)

@EBMSCHOLARS

about 1 month ago

Opportunity for Tanzanians 🇹🇿

UNDP Tanzania @undptz

about 2 months ago

We’re looking for 1,000 Online Volunteers in Tanzania 🇹🇿 Volunteer remotely with UNV to support UNICEF & WHO initiatives—build skills and make real impact. ⏰ Deadlines: WHO 27 Apr | UNICEF 30 Apr 2026 app via links 👇 https://t.co/zWY0F00UrG https://t.co/Za0WwuXhas

undptz's tweet photo. We’re looking for 1,000 Online Volunteers in Tanzania 🇹🇿
Volunteer remotely with UNV to support UNICEF & WHO initiatives—build skills and make real impact.
⏰ Deadlines: WHO 27 Apr | UNICEF 30 Apr 2026
app via links 👇
https://t.co/zWY0F00UrG
https://t.co/Za0WwuXhas https://t.co/hM9aeitmau

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ERNEST B. MAKULILO (EBM)

@EBMSCHOLARS

about 2 months ago

Ernest B. Makulilo (EBM), a Tanzanian-born immigration and financial educator based in Missouri, USA, is raising an important conversation about financial literacy for immigrants living in America and how to build long-term success in the United States. Ernest Boniface Makulilo, founder of EBM SCHOLARS and BEYOND AMERICAN DREAM, is encouraging immigrants to rethink their approach to money after relocating to the United States. He explains that while many people focus on getting jobs and earning income, they often overlook the importance of understanding how the financial system truly works. Earning in dollars is often viewed as a major achievement. However, without financial education, long-term stability, wealth, and freedom can remain out of reach. Makulilo highlights several critical financial areas that many immigrants often ignore, including understanding taxes, learning how to legally reduce taxable income, utilizing retirement accounts, building wealth through compounding, understanding the difference between employment and business ownership, and preparing their children not to start where they started but to build on a stronger foundation and leave a legacy. He emphasizes that the real issue is not simply how much a person earns, but how much they are able to keep after taxes and expenses. Two individuals earning the same income can end up with very different financial outcomes. One may build wealth, while the other continues to struggle. “The difference is not effort, but knowledge.” According to Makulilo, the American system rewards those who understand and apply financial strategies effectively. He encourages immigrants to go beyond working hard and instead learn how money works, because financial literacy is the foundation of long-term freedom. Through EBM SCHOLARS and BEYOND AMERICAN DREAM, he is offering free personalized one-on-one financial education sessions to help individuals make informed financial decisions. This program is open to individuals currently residing in the United States and Canada. Book your session here: https://t.co/t4ysRRjziO

EBMSCHOLARS's tweet photo. Ernest B. Makulilo (EBM), a Tanzanian-born immigration and financial educator based in Missouri, USA, is raising an important conversation about financial literacy for immigrants living in America and how to build long-term success in the United States.

Ernest Boniface Makulilo, founder of EBM SCHOLARS and BEYOND AMERICAN DREAM, is encouraging immigrants to rethink their approach to money after relocating to the United States. He explains that while many people focus on getting jobs and earning income, they often overlook the importance of understanding how the financial system truly works.

Earning in dollars is often viewed as a major achievement. However, without financial education, long-term stability, wealth, and freedom can remain out of reach.

Makulilo highlights several critical financial areas that many immigrants often ignore, including understanding taxes, learning how to legally reduce taxable income, utilizing retirement accounts, building wealth through compounding, understanding the difference between employment and business ownership, and preparing their children not to start where they started but to build on a stronger foundation and leave a legacy.

He emphasizes that the real issue is not simply how much a person earns, but how much they are able to keep after taxes and expenses.

Two individuals earning the same income can end up with very different financial outcomes. One may build wealth, while the other continues to struggle.

“The difference is not effort, but knowledge.”

According to Makulilo, the American system rewards those who understand and apply financial strategies effectively. He encourages immigrants to go beyond working hard and instead learn how money works, because financial literacy is the foundation of long-term freedom.

Through EBM SCHOLARS and BEYOND AMERICAN DREAM, he is offering free personalized one-on-one financial education sessions to help individuals make informed financial decisions.

This program is open to individuals currently residing in the United States and Canada.

Book your session here:
https://t.co/t4ysRRjziO

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ERNEST B. MAKULILO (EBM)

@EBMSCHOLARS

about 2 months ago

IMMIGRANTS IN THE USA & CANADA — THIS IS FOR YOU! You came to North America for a better life — but do you actually know how money grows here? 💰 Most people work hard… yet miss out on tax-free retirement, compound interest, and legacy planning that can build generational wealth. 👉 Don’t let that be you. Book your FREE 2-HOUR financial consultation with EBM today and learn how to make your money work for you — even while you sleep. 📩 Click the link below to get started: 🔗https://t.co/t4ysRRj1tg Because it’s not about how much you earn — it’s about how much you keep and grow!

EBMSCHOLARS's tweet photo. IMMIGRANTS IN THE USA & CANADA — THIS IS FOR YOU!

You came to North America for a better life — but do you actually know how money grows here? 💰

Most people work hard… yet miss out on tax-free retirement, compound interest, and legacy planning that can build generational wealth.

👉 Don’t let that be you.
Book your FREE 2-HOUR financial consultation with EBM today and learn how to make your money work for you — even while you sleep.

📩 Click the link below to get started:
🔗https://t.co/t4ysRRj1tg

Because it’s not about how much you earn — it’s about how much you keep and grow!

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ERNEST B. MAKULILO (EBM)

@EBMSCHOLARS

2 months ago

IMMIGRANTS IN THE USA, THIS IS FOR YOU! People with financial education become and stay wealthy and do not pay taxes. America is for the informed and uninformed. Education on finance and how the system works is very important You came to North America for a better life — but do you actually know how money grows here? Most people work hard… yet miss out on tax-free retirement, compound interest, and legacy planning that can build generational wealth. Don’t let that be you. Book your FREE 2-HOUR financial consultation with EBM today and learn how to make your money work for you — even while you sleep. Click the link below to get started: https://t.co/t4ysRRj1tg Because it’s not about how much you earn — it’s about how much you keep and grow!

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ERNEST B. MAKULILO (EBM)

@EBMSCHOLARS

2 months ago

FOR IMMIGRANTS IN THE USA AND CANADA – FREE WEBINAR SAVING YOUR FUTURE: BETTER FINANCES Join us this Friday for a powerful and informative webinar designed to help immigrants in the United States and Canada better understand how to strengthen their financial future. During this session, we will discuss strategic ways to leverage the financial industry to improve your personal finances and gain practical knowledge on how to create, build, and protect wealth in today’s economy. Day: Friday Time: 08:00 PM Central Time (US and Canada) 09:00 PM Eastern Time (US and Canada) 06:00 PM Pacific Time (US and Canada) Join Zoom Meeting https://t.co/40nRC32BAy Meeting ID: 976 7330 7418 Passcode: wealth This session is exclusively for individuals residing in the United States and Canada. Guests are warmly welcome. Feel free to invite friends, family members, and anyone ready to take their financial future seriously.

EBMSCHOLARS's tweet photo. FOR IMMIGRANTS IN THE USA AND CANADA – FREE WEBINAR

SAVING YOUR FUTURE: BETTER FINANCES

Join us this Friday for a powerful and informative webinar designed to help immigrants in the United States and Canada better understand how to strengthen their financial future.

During this session, we will discuss strategic ways to leverage the financial industry to improve your personal finances and gain practical knowledge on how to create, build, and protect wealth in today’s economy.

Day: Friday
Time:
08:00 PM Central Time (US and Canada)
09:00 PM Eastern Time (US and Canada)
06:00 PM Pacific Time (US and Canada)
Join Zoom Meeting
https://t.co/40nRC32BAy
Meeting ID: 976 7330 7418
Passcode: wealth
This session is exclusively for individuals residing in the United States and Canada.
Guests are warmly welcome. Feel free to invite friends, family members, and anyone ready to take their financial future seriously.

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ERNEST B. MAKULILO (EBM)

@EBMSCHOLARS

3 months ago

SEMINA HII NI KWA WANAOISHI MAREKANI NA CANADA Ningependa sana uje usikilize, na unaweza pia kumualika rafiki yako ili ajifunze pamoja nasi. Mada hii itawasilishwa kwa lugha ya Kiswahili. JUMAPILI HII Muda wa kuanza : Saa 12 jioni – Pacific Time (California, Washington, Oregon time) Saa 2 usiku – Central Time (Missouri, Kansas, Illinois time) Saa 3 usiku – Eastern Time (Maryland, New York, Virginia time) Karibu sana kushiriki. Kama hutoweza kufika, tafadhali nijulishe mapema. ZOOM Join Zoom Meeting https://t.co/A4Bz2zGixJ Meeting ID: 843 0266 8639 Passcode: MoneyTalk

EBMSCHOLARS's tweet photo. SEMINA HII NI KWA WANAOISHI MAREKANI NA CANADA

Ningependa sana uje usikilize, na unaweza pia kumualika rafiki yako ili ajifunze pamoja nasi.

Mada hii itawasilishwa kwa lugha ya Kiswahili. JUMAPILI HII

Muda wa kuanza :
Saa 12 jioni – Pacific Time (California, Washington, Oregon time)
Saa 2 usiku – Central Time (Missouri, Kansas, Illinois time)
Saa 3 usiku – Eastern Time (Maryland, New York, Virginia time)

Karibu sana kushiriki.

Kama hutoweza kufika, tafadhali nijulishe mapema.

ZOOM
Join Zoom Meeting
https://t.co/A4Bz2zGixJ

Meeting ID: 843 0266 8639
Passcode: MoneyTalk

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ERNEST B. MAKULILO (EBM)

@EBMSCHOLARS

3 months ago

@brhodes @cyrusmehta Because we are funding NATO. Otherwise we don’t fund NATO anymore each person should defend themselves

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ERNEST B. MAKULILO (EBM)

@EBMSCHOLARS

3 months ago

SEMINA HII NI KWA WANAOISHI MAREKANI NA CANADA Ningependa sana uje usikilize, na unaweza pia kumualika rafiki yako ili ajifunze pamoja nasi. Mada hii itawasilishwa kwa lugha ya Kiswahili. JUMAPILI HII Muda wa kuanza : Saa 12 jioni – Pacific Time (California, Washington, Oregon time) Saa 2 usiku – Central Time (Missouri, Kansas, Illinois time) Saa 3 usiku – Eastern Time (Maryland, New York, Virginia time) Karibu sana kushiriki. Kama hutoweza kufika, tafadhali nijulishe mapema. ZOOM Join Zoom Meeting https://t.co/A4Bz2zGQnh Meeting ID: 843 0266 8639 Passcode: MoneyTalk

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ERNEST B. MAKULILO (EBM)

@EBMSCHOLARS

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