Frederick Towles

Entrepreneur, accountant, author, speaker, coach

[Frederick Towles @mrtowles]

Revelation 6:5–6 speaks of the black horse & scales — a picture of inflated prices for basic goods. Whatever your view of Revelation, rising costs are a reality.

Don’t just focus on making more. Learn to live on less.
Discipline + stewardship matter now more than ever.

[Frederick Towles @mrtowles]

Life is about development.
Talent without refinement becomes wasted potential.
Time unmanaged becomes regret.
Money unmanaged stays small.

We’re not judged by what we were given, but by what we developed.
Excuses or refinement—the choice is always ours.

[Frederick Towles @mrtowles]

Most business owners don’t overpay taxes on purpose—they do it because they’re unsure what they can deduct.

The Small Business Toolkit helps you stop leaving money on the table by showing how to move with confidence instead of fear.

📘 Get it here: https://t.co/MOT9RHTTcK

[Frederick Towles @mrtowles]

New to investing—or just getting started?
Investing 101 is a worry-free guide that breaks down the how-to’s, the do’s & don’ts, and helps you invest with confidence.

Start investing with clarity, not confusion.
📘 Get the book: https://t.co/MOT9RHTTcK

[Frederick Towles @mrtowles]

Fatigue leads to emotional money decisions. Planning removes emotion.

Tapping retirement funds for a car = Taxes + depreciation + lost compound growth.

Discipline + planning offset fatigue every time. Think it out. Plan it out. Execute.

Be intentional—cars, vacations, etc.

[Frederick Towles @mrtowles]

Financial freedom doesn’t just “happen” — you have to cut the path. Commit to putting aside 10% of every paycheck. Let your priorities guide where it goes: debt, retirement, emergency fund, or investing. Stay consistent, ignore everyone else’s pace, & make the needed adjustments

[Frederick Towles @mrtowles]

Moral failures don’t happen in isolation. Silence, loyalty, and lack of accountability often play a role.
Leaders — if you don’t have an accountability circle, you’re an open target.

We’re not nosy, we’re accountable.

#Leadership #Integrity #Accountability #MoralFailure

[Frederick Towles @mrtowles]

Sometimes information meant to inform ends up creating anxiety instead.

[Frederick Towles @mrtowles]

High costs, low wages, and rising poverty are pushing people out of major U.S. cities and into more affordable regions. Get control of your debt, budget, and investments before the economy forces the move.

#EconomicPush #CostOfLiving #WealthBuilding #TowlesTalk #FinancialFreedom

[Frederick Towles @mrtowles]

Motivation and inspiration spark the moment — discipline sustains the mission. Life runs mostly on discipline (90%) and only a small dose of motivation or inspiration (10%).

[Frederick Towles @mrtowles]

Business credit has been both a blessing and a curse in minority communities. 💡
Use it to build your business, not your lifestyle.

✅ Have a plan
✅ Scale slowly
✅ Plan for plateaus
✅ Build projections

Smart money starts with strategy, not speed.
#BusinessCredit #TowlesTalk

[Frederick Towles @mrtowles]

Over the past 70 years, strong growth and high inflation have danced together before — the ’60s, ’70s, ’90s, and post-COVID. Today feels similar: GDP 3.8%, inflation 3%, unemployment 4%+. ☀️ Sunshine now… but storms often follow.
#TowlesTalk #Economy #Inflation #Finance #Markets

[Frederick Towles @mrtowles]

In 2024, 4.8% of Americans tapped their retirement funds — up from 3.6% in 2023
Many used the money to save their homes, but beware: you may be saving today at the cost of tomorrow

Build your budget. Grow your emergency fund. Protect your future
#TowlesTalk #FinancialWellness

[Frederick Towles @mrtowles]

Malachi 3:11 — God promises the tither their fruit won’t fall before its time. 🍇 What you produce will mature in divine timing — not wasted, not premature, but palatable and profitable. 🙌🏾

#TowlesTalk #TithingPromise #FaithAndFinance #DivineTiming #KingdomEconomy #Malachi311

[Frederick Towles @mrtowles]

“And I will rebuke the devourer for your sakes.” — Malachi 3:11
The devourer was a locust — a destroyer of harvests. God’s promise to the faithful tither is protection from that level of destruction and distraction. Tithing correctly activates divine covering.

[Frederick Towles @mrtowles]

Life moves so fast that we often improv instead of improve just to keep producing. But when more is added, can your foundation hold? That little “E” makes a big difference.

#TowlesTalk #GrowthMindset #ImprovementOverImprov #BeIntentional #LifeLessons

[Frederick Towles @mrtowles]

Review your beneficiaries every couple of years. Life changes — relationships shift. Make sure your legacy goes to the right people. Be vigilant. 💼✨

#FinancialWisdom #EstatePlanning #LegacyPlanning #MoneyMatters #TowlesTalk

[Frederick Towles @mrtowles]

Gold just broke $4,000/oz — a record high 🪙. That’s great news for gold, but it signals a weakening dollar & shaky economy.

Still, in every storm cloud, there’s a golden lining. 🌦️
Think about adding gold — but remember, no dividends, just defense.

#TowlesTalk #SmartMoney

[Frederick Towles @mrtowles]

A one-degree shift can change everything. Tilt your focus, adjust your course, and your destination transforms. 🌊⬆️

#TheDifferenceOfADegree #TowlesTalk #PerspectiveShift #GrowthMindset #SmallChangesBigResults