The Inauguration

“I finally graduated. No more long nights at the library, I’m ready for the real world”. These were the thoughts of a naïve 21-year-old walking off the stage after completing a 4-year engineering degree.  I’m young, a degree in hand, whole life ahead of me, new job, and finally earning a real paycheck…then real life hits. Expenses increased significantly. My paycheck went towards student loans, car insurance, and rent among other things. In addition, I began to understand my obligation to assist relatives back home in the motherland.  I thought I would be well off after school, but I had underestimated all the responsibilities.

Turns out I was not as prepared for the real world as I thought I would be.  My parents had never taught me about money management and this placed me at a disadvantage when compared to my peers. Sadly, I found that my experience was not unique. According to a survey conducted by the Investor Education Foundation, about 3 out of every 5 Americans are financially illiterate.

   Data collected by the Investor Education Foundation
confirms the lack of financial awareness in America

Unfortunately, I made some missteps before realizing the need for self-education. Through intensive research and collaboration with like-minded individuals, I was able to develop my financial acumen which prepared me to lay a solid foundation for the future.  Through this collaborative effort, we began to share our experiences with friends and family. We noticed that the practices we shared were being implemented in their lives. That led us to believe we had something of value to share with others in our community; especially those facing challenges in managing their money. Together, we concluded that there was a need to help our kin better position themselves for financial success in America. Our desire to reach out a helping hand is what led to the inauguration of “TheCleverAfrican”.

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    • kk
    • January 11, 2017

    Thank you for sharing. I can certainly relate to this. For me it was the realization and stress of not getting hired with the degree you spent 4-5 years earning and spending so much money on. Now you are expected to pay off loans and bills and yes even help uncles and aunts back home (whom you don’t even know), calling left to right about needing a new phone and you cant even afford gas in your car, because your still making below minimum, six months after graduation. So maybe lets also share ideas about networking to help find jobs.

      • Joseph Antwi
      • January 19, 2017

      That’s so true, and we can even network through the comments section of this blog.

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