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Modom Solutions
- Apr 1
- 3 min
Is it too Personal?
If you've ever suffered through hearing me speak in a class, during an online course, or at a conference - LOL!, you've heard me say that we have to find the delicate balance between the personal and relational sides of money. Money is personal because we have to be mindful of our beliefs (limiting or freeing), attitudes (optimistic or pessimistic), and behaviors (optimal or suboptimal) about money. Money is relational because we have to know how someone else's beliefs, attit
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Modom Solutions
- Mar 25
- 3 min
Buy the Community.
Homeownership is not enough to close the wealth gap. There. I said it. Studies consistently show that Black households seek homeownership later, pay more over the life of their mortgage, are less likely to sustain said home, and see less home appreciation than their White counterparts. Homeownership is a step in the right direction, but we have to address the why behind these other issues. If careful consideration is not taken when purchasing a home, an unsuccessful attempt a
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Modom Solutions
- Mar 19
- 2 min
I'm Built Different (Maybe???)
Yo, real talk, I have been criticized every step of my financial wellness journey. None of those criticisms have deterred me from living my best life. I'm just built different. Everything I've done to improve my financial well-being, I did it before it was fashionable in the Black community. I cut my cable before cutting the cable bill was cool. I haven't had a car note for nearly 14 years. In fact, I've had the same car for 14 years. Now you know you get no love in the hood
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Modom Solutions
- Mar 3
- 2 min
Forgiveness: A Path to Intergenerational Wealth Creation
Admit it. We crave connection, acceptance, and intimacy. Finding and establishing a sense of belonging with our tribe is one of life's greatest joys. There is nothing more rewarding than experiencing the ups and downs of life with people who know, see, and accept us for who we are. Our social tendencies do, however, come with one major downside. Given enough time, we will either hurt or be hurt by someone close to us - oftentimes, family. This is not an "If" but rather a matt
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Modom Solutions
- Feb 15
- 2 min
Different Does not Mean Deficient
Honestly, I think the title says it all. Just because someone has a different financial perspective, method, or strategy than you do, it does not make their stance deficient. When we deny the space within our hearts to receive another person's ideas, we are signaling our deficiencies - not theirs. Instead of accepting the life-giving light of a new perspective, many of us prefer to droop like an unattended Peace Lilly. I hate to admit it, but I've allowed my ego to cause me t
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Modom Solutions
- Feb 6
- 3 min
Connection
Awhile back, I had the opportunity to give a presentation to about 30 couples who wanted to improve their finances. The crowd was a mix of young and old, naive and mature. They were all rich, however, in their unique experiences with money. I enjoyed listening to them more than I enjoyed presenting. There is something powerful about hearing people's life stories. At least, for me, there is. During one part of the presentation, we would conduct a visualization exercise. The pa
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Modom Solutions
- Jan 28
- 3 min
Out of Debt and Still Broke
Believe it or not, you can be out of debt and still be broke. "How?" Well, let me explain. Being out of debt means, in most cases, that you are no longer using debt to finance your lifestyle. You have sufficient cash flow to meet your lifestyle needs. This is a wonderful thing given that high-interest debt can be costly and place a real strain on your discretionary income. Discretionary income is the money you have left over after paying for taxes and necessary living expense
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Modom Solutions
- Jan 26
- 1 min
Origins of Modom Solutions
For those who might be wondering, Modom Solutions, LLC was inspired by the good book. It's the combination of two words from one of my favorite passages on money - Ecclesiaties 7:11-12: "Wisdom is even better when you have money. Both are a benefit as you go through life. Wisdom and money can get you almost anything, but only wisdom can save your life." Modom is the combination of Money and Wisdom from this biblical context. Although money precedes wisdom in the way I meshed
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Modom Solutions
- Jan 25
- 3 min
The Saved Effect
Have you ever experienced a fresh, straight out of the baptismal pool, saved, sanctified, and filled with the holy ghost Christian? You know...The one that used to be heavy in the streets - like heavy, heavy. The one that was never hesitant to tell you where you could take Jesus and stick him. The one who referred to your pastor as a pimp and the church as his... I digress. You get my point - LOl! Yeah, that friend, family, member, or associate. Once that person got saved, th
22 views0 comments

Modom Solutions
- Jan 23
- 2 min
Bet You Didn't Know This About the Tax Code...
I was scrolling through social media the other day and came across a video that proclaimed "Five Tax Hacks You Should Know!" Immediately intrigued, I stopped scrolling and lasered in on the content desperately wanting to hear something mindblowing. As I had suspected, the person on the opposite side of the screen rattled off fundamental and clear guidance readily available and easily accessible to every U.S. citizen. The content was not a hack, a hustle, or a secret only acce
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Modom Solutions
- Jan 22
- 1 min
Shame
When we use shame as a tool for behavioral change, we have made a clear statement: We have chosen not to see the person and systems, internal and external, that influence their current decisions. And because these things are not known - the person is not known - we can absolve ourselves from any wrong doing. We can rationalize our efforts as lending a helping hand instead of it being, what it is, a damning rebuke of one's character and values. As a result, we force those that
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Modom Solutions
- Dec 2, 2020
- 3 min
It's Chess, Not Checkers!
One of my favorite lines from Training Day besides "King Kong ain't got nothin' on me!" is when Alonzo Harris (Denzel Washington) tells Jake Hoyt (Ethan Hawke), "The shit's chess. It ain't checkers." If you do not know what I am talking about, I encourage you to watch Training Day. It's one of my favorites, along with Paid in Full, but I digress. My point is this: How many times have you heard someone say, "Life is a game of chess," or "It's chess, not checkers!"? Probably a
25 views0 comments

Modom Solutions
- Nov 11, 2020
- 2 min
Whatever You Choose - Own it!
Black culture has no bounds. You are enough.
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Modom Solutions
- Oct 18, 2020
- 3 min
Is it a Curse or a Blessing?
"I have everything I want, but I still feel empty. ..."
23 views0 comments

Modom Solutions
- Oct 11, 2020
- 1 min
Greenwood Banking (Let's Go!!!)
Banking for the Culture.
18 views0 comments

Modom Solutions
- Oct 4, 2020
- 3 min
Do You Have a Financial Base?
Learn to win where you are to win where you wish to be.
37 views0 comments
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