Yami

💼 Behavioral Finance Coach • USMC • 30+ Yrs Teaching 💡 Helping Wealth Mindset’s Build Healthy Money Habits 🔌 DM The Word “KEYS” for FREE Download

[SKI @skiistiredasf]

I See You, Black Educated Woman!! You Go Queen!
To every Black woman grinding for that degree, that promotion, that dream , I see you.
You’re not just educated, you’re breaking cycles and building legacies.
Keep shining, Queen. This is Black Girl excellence!

[SKI @skiistiredasf]

Meet Alena Analeigh McQuarter, a 17-year-old phenomenon and unstoppable young queen rewriting history in STEM and medicine! 👏🏽
At just 13 years old, she made history as the youngest Black student ever accepted into a U.S. medical school (University of Alabama at Birmingham Heersink School of Medicine).
Now at 17, this powerhouse has already achieved what most only dream of:
• Graduated high school at 12
• Earned her Bachelor’s in Biomedical Sciences and Master’s in Biological Sciences (both Summa Cum Laude) from Arizona State University by age 15
• Became the youngest person of color to intern at NASA (at just 12)
• Founded The Brown STEM Girl and The Brown STEM Girl Foundation — creating scholarships, mentorship programs, and global opportunities for girls of color in STEM
• Conducting advanced research in cancer immunology, virology, and global health
• Pursuing her PhD in Integrated Biomedical Sciences (focus on infection, immunity & inflammation) at Loma Linda University while on the path to her MD/PhD
• Initiated into Sigma Gamma Rho Sorority, Inc. as one of the youngest members
From Texas to NASA to the frontiers of medicine — Alena’s journey is a powerful testament to discipline, brilliance, and purpose. She’s not just breaking barriers… she’s building bridges for every young Black girl behind her.
Her story is a powerful one. Keep shining, Queen! 👏🏽

[Yami @laroncarter]

Speed to cash is actually a thing. But don’t underestimate patience to accuracy. Timing is often more valuable.

[ABC News @ABC]

Justice Ketanji Brown Jackson says her colleagues' handling of the Louisiana voting rights case may have compromised the court's impartiality in political matters. https://t.co/O4VhYXUR3q

[Yami @laroncarter]

Bud Crawford on Pivot: "Money can make you or break you.

We don't know financial. We're not taught that in school." That's the gap.

Young boxers, artists, founders — they get the bag with no playbook.

By the time they wake up, it's too late.
This is why I do what I do.

[Yami @laroncarter]

Your paycheck can disappear faster than your habits.

Do you even know where your money is going?

How much do you spend on groceries every month or electricity or transportation or your cell phone bill or streaming services or apps or subscriptions?

Figure it out, today.

[COACH PRIME @DeionSanders]

Lord JESUS!

[CBS Philadelphia @CBSPhiladelphia]

Tia and Jasmin Criss, seniors at Cheyney University, the oldest historically Black university in the country, are less than two weeks away from graduating as valedictorian and salutatorian.

Just three minutes older than Jasmine, Tia said the honors of being named class valedictorian and salutatorian "just happened."

The twin sisters are graduates of Philadelphia High School for Girls. They credit their parents for giving them the discipline to aim high.

[The Associated Press @AP]

Middle school students in Mississippi kept their school bus from crashing after their driver passed out while on a four-lane highway.

The bus had about 40 children on board when Leah Taylor had an asthma attack. She reached for her medication but blacked out before she could get it.

[Raphousetv (RHTV) @raphousetv2]

5 West Philadelphia High School Seniors Earn Their Associate Degrees Before Graduating!👨🏾‍🎓👏🏾

[NCAA Buzzer Beaters & Game Winners @NCAABuzzerBters]

Reports say Iowa State transfer Audi Crooks is in for a $1.4 Million payday at Oklahoma State.

That would make Crooks the Third HIGHEST PAID Women's Basketball player IN THE WORLD this year (behind A'Ja Wilson & Aliyah Boston) (via @SkimMilkey)

[TIME @TIME]

At Nvidia's annual GTC conference, CEO Jensen Huang showcased the brands Vera Rubin system, its superchip platform.

[Yami @laroncarter]

Nobody talks about after you “level up.”

More money, more problems… just with better branding.

No structure? Congrats, you unlocked premium stress.

I had to pause and rebuild: money, credit, decisions.

Boring, but it works.

That’s how you stay in the game.

Message FOCUS

[Yami @laroncarter]

I had a plan, or so I thought.

Everything felt lined up… until life tested it.

Plans are easy. Discipline shows up when things break. Weak plans collapse. Strong systems adapt.

I adjusted fast: cut expenses, rethink income, no more autopilot.

Building that now. Message ADAPT

[Yami @laroncarter]

@jamarcigar Bruh, that one… yes sir!

[Yami @laroncarter]

Most people don’t have bad credit because they’re reckless, they’re guessing.

Random disputes, blind payoffs, closing accounts, all guessing.

Simple rule:
👉 Stop doing random things
👉 Start doing the right things in the right order

Message me PLAN

[Yami @laroncarter]

Your credit utilization is the silent killer.

How much you use matters.
$1,000 limit, $900 balance? Problem, even on-time.

Lenders see “stretched” and your score drops.

Stay under 30%, under 10% is better.

Fastest way to gain points.

No tricks, just discipline.
Message SCORE

[Yami @laroncarter]

3.29.21

Who’s your daddy?

TBC: La Aurora 100 Años cigar, a Dominican puro released to commemorate the factory's 100th anniversary.

[Yami @laroncarter]

Ever feel like everything’s lined up -until life tests you?

Plans work when nothing breaks. Discipline shows up when it does.
I had to adjust fast, cut expenses, rethink income, learn money hygiene.
Weak plans collapse. Strong systems adapt.

Building that now.
Message me ADAPT

[Yami @laroncarter]

Quick truth: paying off a collection doesn’t automatically fix your credit.

Damage is already done. Done wrong, you can reset the timeline and make it worse.

Not everything should be paid or disputed right away.

This is chess, not checkers.

Message me FIX