This week, Calvin Wilkinson and I took the conversation to another level as we talk about financial literacy, the importance of starting early, and how to achieve homeownership and build wealth. Financial literacy is an important topic not many people discuss.

Highlights from the conversation: 

[01:23] Calvin Wilkinson

· Chief Executive Officer at Goldwater Home Loans, Inc.

· Former Intern at Westminster Mortgage

[10:09] Financial and Entrepreneurial Literacy

Some of us do not get educated on financial and entrepreneurial mindsets when we were young. Investing is extremely is so important – money is something we should use to buy assets. It is important in our community that we begin to do this so we can begin to break cycles of having to start from scratch. Doing so also creates a legacy for our future generation.

[18:07] Fortune favors the BOLD

We never know what boldness can bring. It is what gets us started in taking big steps one at a time. Some of us think we have to have a lot of money before starting to invest. For instance, many people think buying a home is more expensive than renting. In terms of buying a home, it is not that expensive as many people think. ICE (Income, Credit, Employment) are what we need to buy a home.

[26:27] Net worth fear related to age

Sometimes, we do not take action because of fear and shame that we are not where we are supposed to be, financially. This is a mindset we have to get rid of. Many people are way better off than they thought they would be. Goes to show we never know our actual score until we speak to someone who can help figure out all the options we have. Where we focus our minds is what we produce.

[30:15] "Strive to be wealthy" mindset

Getting a financial checkup is imperative. This can be done with either a mortgage professional, a financial advisor, or someone who can look at our finances and provide realistic goals and plans to get exactly where we want to be. We should not wait 'til there's a crisis. We should not fear being broke but rather want to be wealthy. We have to be driven by a greater goal and not just fear the worst case. We have to actively move forward to being well instead of worry about what could happen if we do the opposite. It is moving towards something positive. There is a huge between being fearful and being motivated by something else.

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Catch up with Calvin Wilkinson by checking his website at http://www.goldwaterhomeloans.com, contact him via email at This email address is being protected from spambots. You need JavaScript enabled to view it..

You can also follow him on social media at: https://instagram.com/goldwaterhomeloans https://www.facebook.com/Goldwaterhomeloans

See you on the next one!

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Hosted by: Dr. Maiysha Clairborne

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