Turning Thirty and In Debt; Living in New York City

What’s the one thing we all struggle with in adulthood? DEBT! From school debt to credit card debt, we all owe someone something. If you don’t, lucky you. My debt included student loans, money spent starting multiple companies, and moving to different states all in my twenties. At one point my debt was above $90,000. Recently, I watched a video where this 25 year old who makes $70,000 or more a year pays all of her monthly bills, except her student loans. Her student loan debt is $115,000. I met a 23 year old who makes $163,000 a year and paid $12,000 of his student loan debt within five months. They both live in New York City.

Living in New York is expensive. I live in New York City and I make six figures a year with nearly $20,000 in debt. However, I have multiple strings of income and in 2018, I hired an accountant to help balance my income to debt ratio. The main reason for hiring an accountant was so I could purchase my dream home. Before hiring an accountant, I hired a debt relief company to go through my credit report and do an analysis. They help me raise my credit score and decrease my debt.

New York vs. North Carolina

I lived in Uptown Charlotte, North Carolina for three years and two months. Before the statewide quarantine executive order, I worked in both New York and New Jersey through out the week and I commuted and worked 10 hours per day. I spent two of those hours in traffic. LOL! The cost of living in North Carolina is a lot less cheaper than New York. Below shows the difference between my expenses living in both states:

Rent:

NC: $2,300 (two bedroom/two bathrooms/1160 sq ft.)

NY: $3, 200 (1 bedroom/1 bathroom/501 sq ft.)

Transportation:

NC: Less than $100 monthly

NC: $400 monthly

Utilities:

NC: Less than $100 monthly

NY: Nearly $300 monthly

Gas for car:

NC: $100-$150 monthly

NY: $300 monthly (work 6 days a week)

Going out:

NC: $50 -$75 each time

NY: $150 -$200 each time

Insurance (dental, car, renters):

NC: $430

NY: $800

Here is how I got out of debt:

*This is based on the money I had in my savings and having multiple strings of income, which gave me a head start. I also used the money from my retirement. I did not borrow money.

Step #1) I hired an accountant.

Step #2) I consolidated my debt. This will help decrease the interest rate.

Step #3) I created a budget and set saving goals for one year.

Step #4) I called each creditor to see if there were any special offers to reduce amount owed.

Step #5) I paid off the smaller amounts due in full first.

Step #6) I sold things I didn’t need or use anymore.

Step #7) I limited the quantity of non-essential needs (nails, hair, spa, eating out, going out, etc.)

Step #8) I saved a certain amount of money per month.

Step #9) I went generic.

How I raised my credit score:

Step #1) I consolidated my debt.

Step #2) I paid off 50% or more of my debt in a little over a year.

Step #3) I paid my bills on time.

Step #4) I got a credit card to use for small expenses, like gas, food, etc. I paid off the amount spent on the credit card before it was due. (Give or take, within 7 days)

Getting out of debt takes a lot of discipline and a lot of sacrifice. I did not do it alone. Between my accountant, the debt consolidation company, and individuals whose stories and concepts I used, I was able to pay off my debt and raise my credit score. I did however, use my own money. My success as a business owner and my career choices also helped me get out of debt and reach my financial goals.

Guide Book to Living Your Best Life; Cool, Crazy, and Fun Things to Do in a Lifetime

*This list will be updated daily

♥♥ = I’ve completed

Now, that I have reached my thirties, my goal is to try as many new things and have fun while doing so. I’ve always been adventurous. I love trying new things. While in my twenties, I explored many new things while traveling and building my career. After turning thirty, I realized that I am blessed with a career, my own money, great friends, and people who support and love me. I have the ability to do what I want, when I want and you should too.

“It’s never too late to enjoy your life.” – Joyce Meyer

Here are cool, crazy, and fun things to do in a lifetime:

Entertainment

  1. Audition for a movie or commercial♥♥
  2. Become a model♥♥
  3. Become a singer
  4. Become a photographer
  5. Become a rapper
  6. Start a podcast
  7. Take dance classes
  8. Take acting classes♥♥
  9. Dance in a music video or stage play
  10. Write, record, and produce a song, movie, or screenplay
  11. Be on TV♥♥
  12. Shoot behind-the-scenes of your life, career, or lifestyle♥♥
  13. Sing in a Broadway play or musical
  14. Write a book and host a book release party♥♥
  15. Create a digital magazine ♥♥
  16. Become a comedian
  17. Become an actor♥♥
  18. Become an Instagram model
  19. Become a spoken word artist
  20. Become a poet
  21. Walk on the runway♥♥
  22. Play an instrument live♥♥
  23. Start a band
  24. Start a music group
  25. Start a digital TV series ♥♥
  26. Start a digital talk show
  27. Become a street performer
  28. Become a stripper
  29. Become a dancer♥♥
  30. Become a twerking expert
  31. Be published in a magazine♥♥
  32. Be featured♥♥
  33. Create a logo for your brand ♥♥
  34. Become a motivational speaker♥♥
  35. Become a contestant on a game show
  36. Become famous on TikTok.
  37. Go viral
  38. Have a virtual bday party♥♥
  39. Go live on Facebook♥♥
  40. Go live on Instagram♥♥
  41. Be on the cover of a magazine
  42. Start your own TV show
  43. Binge watch a reality TV show

Food and Drink Ideas

  1. Order everything off the menu at your favorite restaurant
  2. Cook a full course meal♥♥
  3. Eat something raw♥♥
  4. Hunt, skin, cook, and eat a meal of your choice
  5. Make a cake from scratch ♥♥
  6. Make fondue
  7. Have dinner at a rooftop restaurant ♥♥
  8. Take a flaming shot ♥♥
  9. Go on a romantic date at an expensive restaurant
  10. Eat fresh Caviar ♥♥
  11. Order the most expensive bottle of wine on the menu ♥♥
  12. Eat at a five star restaurant♥♥
  13. Attend a grand opening of a restaurant♥♥
  14. Eat at one of the Michelin 3-star Restaurant
  15. Eat a meal cooked by a celebrity chef ♥♥
  16. Eat at a Hibachi restaurant♥♥
  17. Attend a grand opening of a bar♥♥
  18. Attend a grand opening of a bakery♥♥
  19. Attend a grand opening of a coffee shop♥♥
  20. Eat Raw Blue Caviar ♥♥
  21. Eat rotisserie deer meat♥♥
  22. Eat deep friend rabbit ♥♥
  23. Eat friend green tomatoes at Fried Green Tomato Restaurant ♥♥
  24. Eat rotisserie pork♥♥
  25. Eat sweet bug candy in Las Vegas♥♥
  26. Order room service♥♥
  27. Eat hot wings at the Hooters Hotel in Las Vegas ♥♥
  28. Host a dinner party♥♥
  29. Bartend at a party
  30. Eat fried mac and cheese balls♥♥
  31. Eat deep fried vienna sausages
  32. Eat at the International Smoke House owned by Ayesha Curry(SF, Del Mar, or Las Vegas)
  33. Make a homemade sofrito sauce
  34. Make homemade buffalo chicken dip
  35. Make a homemade green bean casserole
  36. Make homemade macaroni and cheese ♥♥
  37. Host taco night ♥♥
  38. Make a homemade squash casserole
  39. Make a strawberry pie♥♥
  40. Make a chilled Oreo pie ♥♥
  41. Host a BBQ ♥♥
  42. Make a variety of kabobs
  43. Host Thanksgiving dinner
  44. Go to brunch♥♥
  45. Host Christmas dinner
  46. Drink a jalapeno margarita ♥♥
  47. Drink or make whipped coffee ♥♥
  48. Make chicken burgers
  49. Have a seafood party
  50. Host taco Tuesday
  51. Make stuffed bell peppers♥♥
  52. Eat lamb ♥♥
  53. Make zucchini bread
  54. Make banana bread ♥♥
  55. Make homemade pizza
  56. Make homemade potato chips
  57. Make Henny wings
  58. Make hamburger dip ♥♥
  59. Make homemade rice crispy treats
  60. Raspberry and champagne soup
  61. Make Pot baked steak ♥♥
  62. Make deep fried crab
  63. Make deep fried stuffed jalapenos
  64. Make stuffed lettuce
  65. Make crab biscuits
  66. Make deep fried bacon
  67. Make cucumber sandwiches ♥♥
  68. Make an avocado sandwich
  69. Try Fermented Greenland Shark in Iceland
  70. Make fried ribs
  71. Make honey glazed fried chicken ♥♥
  72. Try grilled fish head ♥♥
  73. Make taco casserole
  74. Try sweet potato cupcakes
  75. Set up a charcuterie board or table♥♥
  76. Make homemade ice cream
  77. Try fried ice cream
  78. Try steak and cheese egg rolls. ♥♥
  79. Eat at Bubba Gump Shrimp in New York, New York
  80. Eat dinner at the Eiffel Tower Restaurant in Las Vegas, Nevada ♥♥
  81. Try mustard chicken ♥♥
  82. Try a turkey and apple sandwich
  83. Try cheese curds ♥♥
  84. Visit a tea room ♥♥
  85. Learn how to smoke brisket
  86. Try Aloe Vera juice ♥♥
  87. Do a one-year grocery haul
  88. Try deep fried ravioli
  89. Wine glass cake cutting
  90. Try alcohol infused ice cream ♥♥
  91. Order the Filet Mignon at Bonefish Grill in Concord, NC
  92. Grow your own food
  93. Cook a rack of lamb
  94. Eat Shark
  95. Eat something 100% raw♥♥
  96. Have dinner in the sky
  97. Have a Progressive Dinner at all your favorite restaurants
  98. Host a fancy tea party

Adventurous Outdoor and Indoor Activities

  1. Swim with sharks
  2. Swim with dolphins
  3. Go scuba diving
  4. Go skating ♥♥
  5. Go sky diving
  6. Go snorkeling
  7. Visit an underwater hotel
  8. Swim in an infinity pool
  9. Travel to each Continent at least once
  10. Visit every state
  11. Go zorbing
  12. Fly first class
  13. Shower outside♥♥
  14. Go snowboarding
  15. Go skiing
  16. Go jet skiing
  17. Visit a nude beach
  18. Take a month long trip in another country
  19. Go white water rafting
  20. Go zip lining
  21. Relax in a hot springs
  22. Ride a horse on the beach
  23. Ride an elephant
  24. Feed monkeys♥♥
  25. Visit a vineyard for a weekend
  26. Go deep sea fishing
  27. Visit a farm and pick fresh fruit and vegetables
  28. Hike a popular mountain♥♥
  29. Go camping in the mountains♥♥
  30. Take a road trip across the country with a friend♥♥
  31. Go on a cruise for a week or month
  32. Pet a stingray ♥♥
  33. Play with a snake
  34. Let a spider crawl on you
  35. Run with the pigs
  36. Jump off a cliff
  37. Jump off a boat
  38. Go fishing for catfish, then cook it yourself ♥♥
  39. Go on a vacation with your family for a week♥♥
  40. Participate in a mud run
  41. Go to a carnival ♥♥
  42. Ride a train to another city ♥♥
  43. Ride in a hot air balloon
  44. Ride a segway in the city
  45. Inside skydiving
  46. Go to a paint party rave
  47. Shoot paintball guns
  48. Shoot a bow and arrow
  49. Go rope swinging into a lake
  50. Watch a movie outdoors ♥♥
  51. Swim in all major oceans
  52. Skip rocks on a lake ♥♥
  53. Go kayaking
  54. Go surfing
  55. Sail on a boat
  56. Visit a national rain forest ♥♥
  57. Party on a boat in Miami
  58. Go hunting
  59. Go to a shooting range ♥♥
  60. Go golfing at Top Golf ♥♥
  61. Go whale watching
  62. Go sun bathing ♥♥
  63. Learn to say hello in different languages ♥♥
  64. Fly a kite ♥♥
  65. Ride an ATV♥♥
  66. Walk underneath a waterfall ♥♥
  67. Touch stingrays♥♥
  68. Touch a star fish ♥♥
  69. Walk on a suspension bridge ♥♥
  70. Visit an active volcano
  71. Ride a fake rodeo
  72. Hike a trail at a state park♥♥
  73. Have an adult potato sack competition ♥♥
  74. Play adult dodge ball♥♥
  75. Make a snowman♥♥
  76. Milk a cow
  77. Dance in the rain ♥♥
  78. Mediate in an open field♥♥
  79. Run in a turkey run
  80. Run in Santa run
  81. Sleep in a cabin
  82. Spend the weekend at a beach house♥♥
  83. Swim in the ocean♥♥
  84. Swim with sea turtles
  85. Visit a zoo♥♥
  86. Visit an aquarium♥♥
  87. Go to the circus
  88. Go to a hologram show
  89. Go to a live show in Las Vegas ♥♥
  90. Roast marsh mellows over a bonfire ♥♥
  91. Run barefoot in the sand ♥♥
  92. Witness a full moon♥♥
  93. Witness a solar eclipse
  94. Watch the sunrise and sunset ♥♥
  95. Watch a caterpillar turn into a butterfly♥♥
  96. Spend New Years in another country♥♥
  97. Stay in a five star hotel♥♥
  98. Have a picnic in the park♥♥
  99. Go sightseeing in your favorite city♥♥
  100. Attend a Broadway show ♥♥
  101. Take a gondola lift up a mountain♥♥
  102. Attend a dog show
  103. Get hypnotized ♥♥
  104. Feed horses on a farm
  105. Feed cows on a farm
  106. Feed chickens on a farm
  107. Feed pigs on a farm
  108. Fall asleep to rainfall♥♥
  109. Read a book by the fireplace ♥♥
  110. Watch a movie on a projector ♥♥
  111. Camp in your backyard
  112. Decorate your house every holiday season
  113. Run an obstacle course ♥♥
  114. Ride a water jet pack
  115. Start a garden ♥♥
  116. Play adult kickball ♥♥
  117. Play adult dodgeball ♥♥
  118. Play tag football♥♥
  119. Swim in a heated indoor swimming pool♥♥
  120. Swim in a lazy river♥♥
  121. Host game night at home♥♥
  122. Throw a BYOE party
  123. Host a welcome to the neighborhood dinner for your new neighbors
  124. Go bowling ♥♥
  125. Hit baseballs with a bat in your backyard
  126. Host a minute to win it party
  127. Spend a Saturday at garage and yard sales♥♥
  128. Host a garage or yard sale♥♥
  129. Chill in the jacuzzi or pool with wine or beer♥♥
  130. Go antiquing♥♥
  131. Go axe throwing
  132. Play Rummy♥♥
  133. Play Spades ♥♥
  134. Go cave diving
  135. Play a game of chess♥♥
  136. Play pool♥♥
  137. Play egg roulette
  138. Try the egg challenge
  139. Sleep on the beach ♥♥
  140. Attend a giant ship launch
  141. Attend a demolition
  142. Visit a cowboy ranch
  143. Visit the farmer’s market ♥♥
  144. Take a virtual cooking class.
  145. Go bird watching
  146. Visit a lighthouse
  147. Go to a drive-in movie
  148. Host a virtual happy hour ♥♥
  149. Attend murder mystery dinner ♥♥
  150. Visit a bathhouse
  151. Go to an escape room
  152. Do an Ironman
  153. Go paragliding
  154. Go hand gliding
  155. Go parashooting
  156. Go four wheeling
  157. Try candle making
  158. Try soap making
  159. Go water skiing
  160. Go putting
  161. Go on a scavenger hunt using a compass ♥♥
  162. Ride a horse and carriage in the city
  163. Try Archery
  164. Go camping in the snow
  165. Completed a large puzzle
  166. Go paddle boarding
  167. Host a themed dinner party indoors and outdoors
  168. Host a pool party
  169. Go horseback riding
  170. Swing on a trapeze
  171. Sleep in an igloo
  172. Build something ♥♥
  173. Have a solo picnic ♥♥
  174. Try a DIY project ♥♥

Main Attraction Travel Ideas

  1. Ride the subway in Manhattan, New York City♥♥
  2. Visit the Great Barrier Reef in Queensland Mainland, Australia
  3. See the Northern Lights in Watson Lake, YT, Canada
  4. Visit the Family Kingdom Amusement Park in Myrtle Beach, SC♥♥
  5. Feed reindeer in Mayajima, Japan♥♥
  6. Visit the M&M World, Candy Store in New York City♥♥
  7. Spend the weekend in the East or South Hampton’s♥♥
  8. Go to the amusement park on Coney Island Brookly, NY♥♥
  9. Go listen to a live band at the Hard Rock Cafe in Myrtle Beach, SC♥♥
  10. Attend a Dragon Festival in Mayajima, Japan♥♥
  11. Visit the Cherry Blossom Festival in Iwakuni, Japan♥♥
  12. Take a cruise around Toronto, Canada♥♥
  13. Walk the Brooklyn Bridge in New York
  14. Climb Stone Mountain in Atlanta, Georgia♥♥
  15. Ride the New York Hotel roller coaster in Las Vegas, Nevada.♥♥
  16. Visit the Empire State Building in New York City♥♥
  17. Climb Crowders Mountain in Kings Mountain, NC♥♥
  18. Visit the Tokyo Tower in Tokyo, Japan♥♥
  19. Go private karaoking in Roppongi Strip in Tokyo, Japan ♥♥
  20. Attend the Criss Angel MINDFREAK magic show in Las Vegas, Nevada♥♥
  21. Eat at the Pier 14 Restaurant & Lounge in Myrtle Beach, SC♥♥
  22. St. Patrick’s Day Bar Crawl in Charlotte, NC♥♥
  23. CIAA in Charlotte, NC♥♥
  24. All Star Weekend (location varies)♥♥
  25. Visit the Pentagon in Washington, DC♥♥
  26. Visit the Citadel in Charleston, SC ♥♥
  27. Visit Ground Zero in New York♥♥
  28. Go to a UFC fight at the MGM in Las Vegas, Nevada
  29. Go to a boxing match at the MGM in Las Vegas, Nevada
  30. Attend the Jazz in the Garden Festival in Miami, Florida♥♥
  31. Attend the Essence Festival in New Orleans
  32. Attend Mardi Gras in New Orleans
  33. Take a photo on the red steps in Times Square, NYC♥♥
  34. Attend a spoken word event in Atlanta, GA♥♥
  35. Climb Mount Fuji in Honshū, Japan
  36. Visit the Miyajima Public Aquarium in Mayajima, Japan♥♥
  37. Visit Times Square in New York♥♥
  38. Stay in The Soho 5 Hotel in Soho, NYC♥♥
  39. Ride the bullet train in Iwakuni, Japan♥♥
  40. Visit the Epic Center in Uptown Charlotte in Charlotte, NC♥♥
  41. Attend the Black Food Truck Festival in Charlotte, NC ♥♥
  42. Feed monkeys in Otaki Japan ♥♥
  43. Each dinner at the Reunion tower Dallas, Texas
  44. Go night dancing at the Skovorodka restaurant in Brooklyn, NY♥♥
  45. Visit Peace Park in Hiroshima, Japan ♥♥
  46. Shop at Hiroshima Hon Dori Shotengai, Downtown Hiroshima, Japan ♥♥
  47. Bike Bar in Charlotte, NC: Trolley Pub Charlotte
  48. Day trip through Hartford, Bridgeport, New Haven, and Somer Connecticut♥♥
  49. Walk the South Beach Strip in Miami Beach Florida♥♥
  50. Hike the Great Wall of China in Beijing, China
  51. Trinidad and Tobago Carnival in in Port of Spain, Trinidad and Tobago
  52. Shop at the South Loop Roosevelt in Downtown Chicago♥♥
  53. Attend a Broadway show at Furman university♥♥
  54. Attend a Broadway show at the Greenville Theatre in Greenville, SC♥♥
  55. Visit Falls Park in Greenville, SC ♥♥
  56. Have drinks at the W XYZ Bar at the Aloft Greenville Hotel in Greenville, SC
  57. Islands of Honolulu, Hawaii♥♥
  58. Site seeing in Hollywood in Los Angeles, California
  59. Stay in the Omni Hotel in Uptown Charlotte in Charlotte, NC ♥♥
  60. Attend Coachella
  61. Visit the Sahara Desert in South Africa
  62. See the Sea of the Stars in Maldives
  63. Visit the Pink Sand Beach in the Bahamas
  64. Attend the Rio Carnival in Rio de Janeiro, Brazil
  65. Ride in a helicopter over the Grand Canyon
  66. Visit the 8 Wonders of the World
  67. Take a trip to downtown Charleston
  68. Visit Central Park in Manhattan, NY♥♥
  69. Visit the Great Barrier Reef in Australia
  70. Go skiing in the Swiss Alps in Switzerland
  71. Visit McWay Falls in Carmel, California
  72. Visit the U.S.S. North Carolina in Wilmington, NC♥♥
  73. Visit Topsail Island in North Topsail Beach, North Carolina ♥♥
  74. Visit Onslow beach in Jacksonville, NC♥♥
  75. Eat at The Pilot House Restaurant in Wilmington, NC ♥♥
  76. Spend New Years in New York City
  77. Treasure hunt at Brooklyn Flea in New York
  78. Visit every US National Park
  79. Visit the Belvedere Castle in Central Park in New York ♥♥
  80. Go to a concert at The Fillmore Charlotte in Charlotte, NC
  81. Go to the St. Patrick’s Day parade in Chicago and see the Chicago River turn green.
  82. Ice fishing huts in Saguenay-Lac-Saint-Jean, Canada
  83. Go snorkeling in Tangalooma Wrecks, Moreton Island
  84. Ride over the Golden State Bridge in San Francisco, California ♥♥
  85. Visit the Rakotzbrücke bridge in Germany’s Kromlauer Park
  86. Visit the Space Needle in Seattle, Washington
  87. Visit Yoho National Park in British Columbia, Canada
  88. Visit Dubai Miracle Garden in Dubai
  89. Go to brunch at Ink N Ivy in Uptown Charlotte ♥♥
  90. Go for dinner and wine at Merchant and Trade in the Kimpton Tryon Park Hotel in Uptown Charlotte ♥♥
  91. Ride a cable car in San Francisco, CA♥♥
  92. Visit the Navy Pier, Fun Fair, Michigan Lake in Chicago
  93. Visit Bodies, The Exhibition in New York♥♥
  94. Visit the Red Beach of Hormuz Island in Iran
  95. Visit Giraffe Manor in Nairobi, Kenya
  96. Fly first class out of Franksfront/ Munic airport
  97. Visit Hotel Village Montana, France
  98. Visit Gorgeous Lodge Hotel In Samburu National Reserve, Kenya
  99. Tour the Sunrise Ballon Safari in Tanzania
  100. Visit the Magnolia Market in Waco, Texas
  101. Attend a boat-in concert in NYC
  102. Spend a week in Maldives
  103. Go on a Safari in Africa
  104. Go on a ski trip in Aspen
  105. Stay at the wall-less hotel in the Swiss Alps
  106. Swim with humpback whales in Tonga
  107. Visit the Yosemite National Park
  108. Ride the High Roller in Las Vegas, Nevada.
  109. Ride the SlotZilla zipline in downtown Las Vegas.
  110. Try the Black dining in the Dark in Las Vegas, Nevada
  111. Take a helicopter ride to the Grand Canyon while visiting Nevada
  112. Go rafting in the Colorado River in Nevada
  113. Sail the Hudson River in Manhattan (Sail Sunset)
  114. Go swimming on the rooftop of the Mr. Purple in NYC
  115. Try the bed and breakfast on water on Sag Harbor, New York
  116. Visit the Eiffel Tower in Paris, France
  117. Swing on a popular swing in Bali, Indonesia.
  118. Swim in an infinity pool (location varies)
  119. Try the boat-in movie series in New York, New York.
  120. Try the boat-in concert in New York, New York
  121. Visit Mt. Rushmor in Keystone, South Dakota
  122. Swing on the water swing in New York
  123. Visit the Baltimore aquarium
  124. Visit Olympic Park in Utah
  125. Go moose sighting in Canada
  126. Do a Berlin tour of Hitler in Europe
  127. Ride the Gondola in San Francisco, CA
  128. Visit the Bronx Zoo ♥♥
  129. Drive across the George Washington Bridge♥♥
  130. Drive or walk across the Brooklyn Bridge♥♥
  131. Visit the Hudson River♥♥
  132. Take a day trip to Hoboken, NJ ♥♥
  133. Go dog sledding in Alaska
  134. Celebrate Chinese New Year in China
  135. Spend a weekend at the Renaissance New York Chelsea Hotel in NYC ♥♥
  136. Take a picture in from of the “I Love NY” sign at the LaGuardia Airport in Queens, NY ♥♥
  137. Visit the Harvard University campus in Cambridge, MA
  138. Visit Lookout Mountain in Northern Alabama
  139. Bear watch in Alaska
  140. Attend Oktobefest in Germany
  141. Watch the crabs migrate on Christmas Island in Australia
  142. Attend the ICFF in New York
  143. Visit the Museum of Ice Cream in New York
  144. Go ice skating in Central Park
  145. Go snow tubing at Mountain Creek in New Jersey
  146. Visit The Hudson Yards in New York City ♥♥
  147. Stand on the glass balcony of the Willis Tower in Chicago, IL
  148. Swim in the largest swimming pool in Chile
  149. Stay in an underwater hotel in Dubai
  150. Sit on the edge of Trolltunga cliff in Norway
  151. Visit Maldives
  152. Stay in a glass igloo in Finland
  153. Ski at the Swiss Alps
  154. Attend the carnival in Rio
  155. Experience the hot air ballon ride in Turkey
  156. Visit Reflection of the Moonlight across Mountains
  157. Travel the road through Death Valley
  158. Visit the white cliff of Iturup Island
  159. Visit St. John’s NEWFOUNDLAND in Canada
  160. Visit the White Water Center in Charlotte, NC
  161. Stay at the Soho 54 Hotel in Soho Hotel ♥♥
  162. Visit the SJP store in New York, NY
  163. Visit the Hudson River in New York ♥♥
  164. Visit the underground on Atlanta, GA

Career and Lifestyle Goals

  1. Live in a high rise building
  2. Save $1,000,000 before age 40
  3. Become a millionaire
  4. Start a business♥♥
  5. Own property♥♥
  6. Live in a penthouse
  7. Buy and own land♥♥
  8. Buy your dream car♥♥
  9. Buy your dream home♥♥
  10. Invest in an idea♥♥
  11. Vote ♥♥
  12. Get out of debt♥♥
  13. Buy yourself something expensive♥♥
  14. Hang out with a successful person in your field. ♥♥
  15. Negotiate a pay raise♥♥
  16. Teach online or at a college♥♥
  17. Get certified in something♥♥
  18. Rent property
  19. Own a few expensive things to leave with your children or grandchildren♥♥
  20. Travel to your favorite destinations ♥♥
  21. Throw yourself a lavish birthday party

Random Acts of Kindness

  1. Pay for someone’s meal
  2. Do something nice for someone without asking
  3. Help a homeless person
  4. Babysit for a friend or family member
  5. Send an anonymous gift
  6. Tell someone something positive
  7. Ask a person how they are
  8. Call someone to check on them
  9. Give a stranger a compliment

Self-Care

  1. Take yourself on a shopping spree in another city or country♥♥
  2. Listen to your favorite book on Audible.♥♥
  3. Own a pet ♥♥
  4. Buy something really expensive that you’ll never use
  5. Get a vaginal steam ♥♥
  6. Have your dream body♥♥
  7. Get a body wrap at your spa ♥♥
  8. Get a 60 minute hot stone massage ♥♥
  9. Start or join a book club ♥♥
  10. Get your teeth professionally cleaned♥♥
  11. Own a few expensive things to leave in your will♥♥
  12. Try weave and wigs♥♥
  13. Go on a solo trip ♥♥
  14. Get a chemical peel♥♥
  15. Go to a seminar♥♥
  16. Experience faith ♥♥
  17. Join a gym♥♥
  18. Journal♥♥
  19. Meditate daily♥♥
  20. Read something everyday♥♥
  21. Pray often♥♥
  22. Inspire someone♥♥
  23. Tell your life story♥♥
  24. Learn to not care so much♥♥
  25. Learn to say NO♥♥
  26. Learn to say YES♥♥
  27. Tell a secret♥♥
  28. Get a mentor♥♥
  29. Talk to a therapist♥♥
  30. Become a mentor ♥♥
  31. Go to the movies alone ♥♥
  32. Take yourself out for dinner and wine ♥♥
  33. Spend a weekend in and do nothing♥♥
  34. Organize your place♥♥
  35. Go 24hrs without social media ♥♥
  36. Have a drunken night ♥♥
  37. Go to bed nude with rose petals and a glass of wine ♥♥
  38. Take a long bath with a glass of wine and your favorite book♥♥
  39. Forgive ♥♥
  40. Forget♥♥
  41. Try to understand someone fully♥♥
  42. Accept people for who they are♥♥
  43. Learn to be alone ♥♥
  44. Write down your goals and review them daily ♥♥
  45. Do a weekend stay cation♥♥
  46. Spurge on something you like at least once♥♥
  47. Get a 60 minute full body stretch from Stretchlab
  48. Try body sculpting
  49. Get permanent hair removal
  50. Take a trip with friends♥♥
  51. Study a new topic monthly♥♥
  52. Read a new book every month♥♥
  53. Spend the entire day reading a book ♥♥
  54. Create a permanent workout plan for your body type ♥♥
  55. Try something new everyday♥♥
  56. Become one with nature♥♥
  57. Celebrate your birthday in another country.♥♥
  58. Read daily ♥♥
  59. Plant a tree in your yard that will grow for a lifetime.
  60. Become a guide parent ♥♥
  61. Become a morning person.
  62. Donate to charity♥♥
  63. Volunteer ♥♥
  64. Live off grid
  65. Become an organ donor ♥♥
  66. Get a will ♥♥
  67. Get insurance ♥♥
  68. Overcome a fear
  69. Take a risk ♥♥
  70. Start a blog or write a book about your life♥♥
  71. Get a vajacial
  72. Intimate bleaching
  73. Drink warm water. Adding a lemon is optional
  74. Go without makeup
  75. Create a time capsule with your favorite things
  76. Apply a hair mask once a month
  77. Detox your skin
  78. Try mouth yoga

Hobbies

  1. Learn a second language♥♥
  2. Collect vintage art♥♥
  3. Learn to draw♥♥
  4. Learn to paint♥♥
  5. Learn bartending
  6. Learn to play an instrument♥♥
  7. Learn to use a camera♥♥
  8. Start a garden♥♥
  9. Collect coins
  10. Collect international money♥♥
  11. Learn to skateboard
  12. Learn to ice skate
  13. Learn to skate ♥♥
  14. Learn to ski
  15. Learn to fly a plane or helicopter
  16. Body building ♥♥
  17. Learn to ride a motorcycle
  18. DYI projects ♥♥
  19. Learn to tattoo
  20. Create your own self care line (Ex. Soaps, perfumes, candles)
  21. Learn to drive a boat
  22. Travel♥♥
  23. Exercising♥♥
  24. Learn to surf
  25. Learn to play a sport♥♥
  26. Learn to rock climb
  27. Learn to sew♥♥
  28. Aromatherapy ♥♥
  29. Learn cycling
  30. Learn yoga ♥♥
  31. Learn Pilates♥♥
  32. Start a blog♥♥
  33. Learn calligraphy
  34. Become a researcher♥♥
  35. Become a gamer
  36. Become a natural hair enthusiast♥♥
  37. Become a skincare expert ♥♥
  38. Become a scrap book pro
  39. Become an astrology enthusiast
  40. Learn pottery
  41. Learn welding
  42. Write poetry♥♥
  43. Write short stories
  44. Become a home improvement expert
  45. Learn to cook♥♥
  46. Learn to bake♥♥
  47. Collect books♥♥
  48. Learn how to bowl♥♥
  49. Learn how to play pool♥♥
  50. Learn to swim♥♥
  51. Become a wine enthusiast
  52. Learn crafting ♥♥
  53. Learn how to DJ
  54. Learn how to fix electronics
  55. Learn how to brew your own beer
  56. Learn how to roast your own coffee
  57. Become an expert in sales♥♥
  58. Learn how to fix cars
  59. Learn to make your own wine
  60. Learn how to fly a drone ♥♥
  61. Open a restaurant
  62. Open a bar
  63. Open a coffee shop
  64. Create a website♥♥
  65. Open a pizza parlor
  66. Make door reefs for the holidays
  67. Make Easter baskets
  68. Become a travel expert
  69. Learn to knit ♥♥
  70. Backpacking
  71. Learn how to do pottery

Health

  1. Try a cabbage soup diet
  2. Get 8 hours of sleep ♥♥
  3. Try naked yoga for a body and skin detox
  4. Eat oranges before going to bed to lose belly fat♥♥
  5. Eat breakfast in the morning for a more energetic and proactive mind♥♥
  6. Stretching the body lengthens the body♥♥
  7. Drink 8 glasses or more water a day a day to help detox the bottle and to help lose weight♥♥
  8. Take essential vitamins daily♥♥
  9. Eating carrots helps improve eyesight ♥♥
  10. Exercise helps improve body and skin health. It also helps with maintaining your weight. It helps to balance the mind.♥♥
  11. Get regular facials♥♥
  12. A glass of red wine a day helps maintain heart health.♥♥
  13. Our skin renews itself every 27 days.♥♥
  14. Go vegan
  15. Try the kale diet
  16. Become a vegetarian
  17. Go meatless for a month
  18. Detox every 90 days♥♥
  19. Eat a piece of fruit and vegetable each day♥♥
  20. Get a holistic nasal treatment
  21. Get a microdermabrasion treatment ♥♥
  22. Get a full body stretch every three months♥♥
  23. Visit your doctor regularly ♥♥
  24. Visit your dermatologist ♥♥
  25. Detox in a sauna 3-4 times a week
  26. Try cognitive therapy. Helps with reprogramming the subconscious. ♥♥
  27. Try neurolinguistic programing (therapy)
  28. Eating fish enhances the mind♥♥
  29. Try reflexology♥♥
  30. Try aromatherapy♥♥
  31. Cucumbers help with the appearance of dark circles ♥♥
  32. Vitamin E is very essential to the skin ♥♥
  33. Apple cider vinegar helps get rid of dandruff ♥♥
  34. Aloe vera helps to grow your hair and keeps it shiny♥♥
  35. Deep condition your hair once a month ♥♥
  36. Apple cider vinegar helps with losing weight♥♥
  37. Try oil pulling ♥♥

Couple Ideas

  1. Try a long distance relationship♥♥
  2. Get married
  3. Be someone’s WCW on social media♥♥
  4. Live with someone♥♥
  5. Have or adopt a baby
  6. Go on a baecay ♥♥
  7. Date outside your race♥♥
  8. Date someone from another country♥♥
  9. Do a family photoshoot ♥♥
  10. Go on a date with someone who isn’t your type ♥♥
  11. Go on a blind date
  12. Go on a double date ♥♥
  13. Play match maker ♥♥
  14. Visit your family back home ♥♥
  15. Give your lover a lap dance ♥♥
  16. Write your partner a poem or love note♥♥
  17. Sing someone a love song
  18. Get over a heart break ♥♥
  19. Have flowers delivered to yourself
  20. Send edible arrangements to someone special
  21. Walk on the beach at night with your partner♥♥
  22. Ask the opposite sex out♥♥
  23. Stay in bed all day
  24. Have sex on the beach
  25. Experiment with sex toys
  26. Add a stripper pole to the bedroom
  27. Have sex in random places ♥♥
  28. Role play
  29. Create a memory book♥♥
  30. Have virtual sex ♥♥
  31. Live together
  32. Learn something together
  33. Travel together ♥♥
  34. Have a threesome
  35. Go on a double date ♥♥

Pastimes

  1. Reconnect with old friends♥♥
  2. Look through your memory box♥♥
  3. Binge watch an old show from your childhood
  4. Organize things based on the country where you purchased it
  5. Review your life goals ♥♥
  6. Create new memories ♥♥
  7. Add things to your bucket list♥♥
  8. Restore things in your home
  9. Read the origins of things
  10. Try to break an old habit ♥♥
  11. Update your resume ♥♥
  12. Learn your family history ♥♥
  13. Learn about your heritage ♥♥
  14. Learn your DNA ♥♥
  15. Recreate your favorite meals ♥♥
  16. Recreate your favorite drinks
  17. Learn the name of things ♥♥
  18. Reread your favorite books♥♥
  19. Watch the movies of your favorite book ♥♥
  20. Create a list of things you would like to try before a certain age ♥♥
  21. List to your favorite songs ♥♥
  22. Know your currently health status ♥♥
  23. Do the things you’ve put off for awhile ♥♥
  24. Plan your next getaway ♥♥
  25. Find a creative way to collage your memories ♥♥
  26. Organize the photos and videos in your phone ♥♥
  27. Learn proper etiquette ♥♥
  28. Get to know your neighborhood

Random Fun

  1. Party with your favorite celebrities♥♥
  2. Go skinny dipping
  3. Be on a reality TV show
  4. Become famous
  5. Lazer tag with friends♥♥
  6. Movie hop♥♥
  7. See your favorite band or music artist play live
  8. Have a threesome
  9. Talk to psychic
  10. Join the mile high club
  11. Go streaking ♥♥
  12. Get a tattoo or piercing ♥♥
  13. Party in VIP♥♥
  14. Go karaoking in another country ♥♥
  15. Write your name on something in a place you’ll never visit again♥♥
  16. Participate in an online challenge ♥♥
  17. Ride on an electric scooter drunk♥♥
  18. Go viral
  19. Pose nude or have yourself drawn nude♥♥
  20. Ask a celebrity to be your date
  21. Sit court side at a sporting event ♥♥
  22. Perform live ♥♥
  23. Adopt a pet
  24. Go to a pride parade♥♥
  25. Have a one night stand
  26. Play spades for money♥♥
  27. Throw yourself a themed birthday party♥♥
  28. Teach someone to drive
  29. Party at a gay bar♥♥
  30. Watch porn ♥♥
  31. Hang out with someone from work ♥♥
  32. Smoke weed ♥♥
  33. Rent a luxury car and drive around the city
  34. Go window shopping♥♥
  35. Sit in a press box at professional game ♥♥
  36. Get front row tickets to a concert or event ♥♥
  37. Walk the red carpet ♥♥
  38. Make something you would wear or use♥♥
  39. Attend an all white event♥♥
  40. Attend a black tie event♥♥
  41. Go on a knock-the-door-run♥♥
  42. Donate an organ
  43. Try latte art
  44. Sit in your car with the windows down and drink your favorite drink and listen to your favorite music♥♥
  45. Make yourself a piñata and insert your favorite things
  46. Take a picture with a public figure♥♥
  47. Spend a few hours in your local library♥♥
  48. Turn the speed to max on a treadmill and try to run it.
  49. Rent a convertible for the day and drive through the city with the top down.
  50. Play pranks on people. ♥♥
  51. Drive through movie
  52. Naked yoga
  53. Join a flash mob
  54. Visit an abandoned castle♥♥
  55. Get something autographed by your favorite celebrity or person. ♥♥
  56. Have gender reveal party
  57. Become a residence at a hotel ♥♥
  58. Participate in a pageant
  59. Host a “dress like your partner” party
  60. Go bar hopping ♥♥
  61. Order breakfast in bed♥♥
  62. Flash someone ♥♥
  63. Pull all nighter ♥♥
  64. Gamble ♥♥
  65. Rob the cradle ♥♥
  66. Get dressed up and go nowhere ♥♥
  67. Have sex with the same sex

70 Side Hustles to Try in Your Thirties for Additional Income

Having multiple streams of income can help you out financially. It can also help you learn new skills to better your life in many ways. I was the CEO of a business consulting firm for nearly twelve years and during that time I was able to work with multiple people and businesses that required me and my team to learn new business ideas and concepts to help each client grow and expand their business. As a result, I was able to learn about different businesses or side hustles that helped others bring in additional income. Here is a list of side hustles if you are looking for additional income:

  1. Become a health coach
  2. Become a fitness instructor/personal trainer
  3. Become a makeup artist
  4. Become a hairstylist
  5. Become a nail technician
  6. Become a personal stylist
  7. Become a barber
  8. Start a clothing line
  9. Start a shoe line
  10. Design shoes/clothes/jewelry
  11. Make and sell jewelry
  12. Start a cleaners and tailor business
  13. Sell your art
  14. Learn to cook and sell dinner plates
  15. Learn to bake and sell desserts
  16. Start a cleaning business
  17. Start a lawn care/landscaping business
  18. Start a construction business
  19. Start a painting service business for commercial and residential properties
  20. Become a business consultant
  21. Become a motivational speaker
  22. Tutor
  23. Mentor youth and millennials
  24. Design and build websites
  25. Get into real estate
  26. Buy, flip, and rent property
  27. Become an interior designer
  28. Design and build furniture
  29. Start an upholstery business
  30. Become a welder
  31. Host skills classes
  32. Host workshops
  33. Become a party and event host
  34. Start an event planning business
  35. Become a wedding planner
  36. Offer babysitting services
  37. Offer pet sitting services
  38. House sit
  39. Wash cars
  40. Start a car painting business
  41. Start a car repair business
  42. Become a blogger
  43. Start a content editor business
  44. Get into the entertainment business
  45. Design, create and sell vintage things
  46. Get a second job
  47. Start a food truck
  48. Start a coffee grinding and distribution business
  49. Open a coffee shop
  50. Start a couponing business
  51. Start a wholesale business of any product
  52. Drive Uber or Lift
  53. Become a personal assistant
  54. Start a farm
  55. Go back to school
  56. Get into data entry
  57. Become a travel consultant
  58. Become a photographer
  59. Start a YouTube channel
  60. Start a mobile service business (Ex. Spa on wheels)
  61. Start a phone repair business
  62. Become a personal shopper
  63. Become a personal organizer
  64. Become a tourist guide in your local city
  65. Open a call center
  66. Open a bar or club
  67. Sell antiques
  68. Start a band
  69. Write books
  70. Start a podcast

How I Retired at Age 29

I started a company at age 17.

I started a company called “MJ’s Be YOU LLC” at age 17, which later turned into a business consulting firm called Direct Consultants, LLC.

I joined the military.

This is me after graduating MOS school.

I purchased someone else’s business then flipped it.

I started a company called MJ’s in 2016. We now have MJ’s Closet and MJ’s Closet For Men.

I worked with public figures on different projects.

This is me meeting and working with my favorite basketball player, Allen Iverson, in a commercial for ESPN.

I partnered with other companies to expand my business.

This is me after accepting the partnership with Canvas, a boutique store in Charlotte, for MJ’s.

I wrote a book.

This is my first book called “Peace, Power, Purpose, Prosperity, but what about Perseverance.

I modeled internationally.

This is me modeling for a tourist ad in Hiroshima, Japan.

I used my skill of writing to start a temporary magazine.

This is me after a state meeting discussing how people who are overlooked should be given the opportunity to suggest and execute new ideas for the city. I later wrote about my experience in my magazine called MJ’s Be YOU magazine.

I had multiple streams of income.

I’ve been paid to be drawn for museums and art shows both nationally and internationally.

An artist in Japan paid me to draw my face for her art collection, which was featured in a museum in Japan.

I have been nominated and won several awards.

This is me winning the Armed Forces Appreciation Award from ACHI Magazine in 2017.

I helped other people.

This is me volunteering at Speak Up Magazine. I volunteered at the magazine for three years.

I hosted a temporary TV show that gave local businesses and talent the opportunity to showcase their lives behind the scenes.

This is me filming the introduction for MJ’s Be YOU TV.

I hosted events for entrepreneurs and small business owners.

I did radio, podcast, and TV interviews.

This is me on a flyer to be interviewed by a radio station about my career and business in South Carolina.

I took huge risks.

This is me accepting a job in NY after taking a one-year break from project management.

135 Fun Things To Do in Your Thirties

As you get older, the less time you have to do fun things. However, that does not mean you have to stop having fun and hanging out with your friends. Now, that I am in my thirties and I have a high demanding job, I’ve figured out ways to have fun alone or with friends, even with a busy schedule. I just recently moved to a new city, so meeting new people can be tough, however when I do meet people, these are the things we have done or plan to do this Summer in New York City.

♥ = What I have completed

  1. Host a pool party. ♥
  2. Girl’s night in. ♥
  3. Drink a glass of wine with breakfast. ♥
  4. Sleep in. ♥
  5. Vlog your day. ♥
  6. Get a Henna tattoo.
  7. Host a game night. ♥
  8. Visit a nude beach.
  9. Run in the rain. ♥
  10. Take a cooking class.
  11. Make your favorite drink.
  12. Have a long conversation on the phone. ♥
  13. Go to the beach. ♥
  14. Jump off a cliff.
  15. Get a fish pedicure.
  16. Try a new sport. ♥
  17. Ride in a helicopter.
  18. Host a housewarming. ♥
  19. Hang out with new people. ♥
  20. Know your family history. ♥
  21. Attend a mansion party. ♥
  22. Take lessons in a new skill. ♥
  23. Go on a cruise. ♥
  24. Host or attend a themed party. ♥
  25. Read self-help books. ♥
  26. Try a new restaurant or club. ♥
  27. Watch a black and white film. ♥
  28. Take a DNA test. ♥
  29. Focus on self care. ♥
  30. Dress up in a costume for Halloween. ♥
  31. Attend a pet party
  32. Learn self-defense. ♥
  33. Sleep outside.♥
  34. Invest in something. ♥
  35. Make new friends.♥
  36. Watch a silent film. ♥
  37. Take a break from your career.♥
  38. Attend a wedding or baby shower. ♥
  39. Do a stay vacation. ♥
  40. Learn to play an instrument. ♥
  41. Have a picnic. ♥
  42. Be a bridesmaid.
  43. Binge watch a show you loved in your twenties.♥
  44. Date outside your race. ♥
  45. Host or attend a bonfire. ♥
  46. Visit a farm and pick out fresh food.
  47. Go snowboarding.
  48. Bake something. ♥
  49. Buy your favorite snacks and watch your favorite movie. ♥
  50. Go to a drive-in movie.
  51. Sleep outside.♥
  52. Go to a workout class with a friend.♥
  53. Go to an outdoor event.♥
  54. Get and stay in shape. ♥
  55. Binge watch your favorite movies. ♥
  56. Go on a scavenger hunt.
  57. Create how-to videos.♥
  58. Start a collection.♥
  59. Go surfing.
  60. Get and stay healthy. ♥
  61. Go fishing.♥
  62. Do a bar crawl. ♥
  63. Go to a parade or be in one. ♥
  64. Start a club.♥
  65. Surprise someone. ♥
  66. Tell someone your life story. ♥
  67. Go to grand openings with friends. ♥
  68. Feed an exotic animal. ♥
  69. Run in a marathon.♥
  70. Have sex.♥
  71. Start a business.♥
  72. Shoot a behind-the-scenes video of your career or hobby. ♥
  73. Overcome a fear.♥
  74. Run in a turkey run.
  75. Break a habit.♥
  76. Change your look.♥
  77. Create a skincare routine. ♥
  78. Do something for someone without them knowing. ♥
  79. Volunteer for a cause you are passionate about. ♥
  80. Cook a meal you’ve never had. ♥
  81. Go to a wine tasting.♥
  82. Go to a sporting event.♥
  83. Sell things.♥
  84. Go to a concert. ♥
  85. Fix something on your own.♥
  86. Host a party at your place. ♥
  87. Have a sleepover with the girls.♥
  88. Go ice skating.
  89. Spend a night drinking and dancing.♥
  90. Make a list of things you want to do before you die. ♥
  91. Plan a spa day. ♥
  92. Go thrift shopping. ♥
  93. Remodel your home.
  94. Go skiing.
  95. Take a weekend trip. ♥
  96. House sit.
  97. Ride jet skiis.
  98. Support your friends/family in something important. ♥
  99. Redecorate your place. ♥
  100. Take a baecation. ♥
  101. Learn a new hobby.♥
  102. Get a pet. ♥
  103. Go zip lining.
  104. Buy property and rent it out.♥
  105. Pet sit.
  106. Go back to school or take classes to advance in your career.♥
  107. Become certified in something.♥
  108. Reunite with a friend or old boyfriend. ♥
  109. Wear a color you hate. ♥
  110. Host or go to a boat party.
  111. Buy something really expensive. ♥
  112. Tell a secret.♥
  113. Play a prank on someone. ♥
  114. Donate to a charity. ♥
  115. Compete in something.♥
  116. Baby sit. ♥
  117. Travel. ♥
  118. Try something freaky or something you wouldn’t normally do in the bedroom. ♥
  119. Go to an amusement park or fair.♥
  120. Try a new career.♥
  121. Take a road trip with a friend.♥
  122. Visit friends in other cities.♥
  123. Study a new topic.♥
  124. Try food from another culture. ♥
  125. Go to a magic show. ♥
  126. Make your favorite dessert.
  127. Read a book before watching the movie.♥
  128. Weekend shopping spree.♥
  129. Exercise in freezing weather.♥
  130. Start and finish a project.♥
  131. Get a mentor.♥
  132. Be a mentor.♥
  133. Go to a rooftop bar/party.♥
  134. Adopt a pet.♥
  135. Donate blood.♥

13 Adult Things To Achieve in Your Twenties

It’s exciting being in your twenties. You travel, meet new people, and do crazy things with friends. I had fun in my twenties because I wasn’t afraid to try new things. I lived in different cities, met so many people and had fun exploring new adventures. Here is a list of things you should try in your twenties.

Buy yourself a car

I bought this Fiat 500 as a gift to myself.

Live in another country

This is me in Tokyo, Japan for my 23rd Bday

Get tattoos/piercings

Mentor/teach youth

Me teaching youth about how to prepare themselves for the entertainment business.

Meet an important public figure

Me meeting the first black (female) governor of North Carolina

Start a business

The promotional flyer I used after I was nominated for Forbes 30 Under 30.

Give a speech/ Tell your story

Me giving a speech to a youth group about how to stay healthy.

Volunteer

Me when I volunteered for Speak Up Magazine

Try a new look

I wore this short haircut for nearly six years

Host an event for a cause, purpose, or for fun

I hosted a self-help dinner for millennials

Travel

Me in Vegas in December in 2012

Compete in a competition

Me when I won Model of The Year

Raise money for a cause

My Saturday Routine (Spring)

Yay! Spring is near. I’m so excited for the warm weather that I’ve already started picking out outfits. I love having self-care routines to get me started for the day, week, and weekend. Last year, I wrote about my morning routine for winter. Today, I am going to write about my Saturday routine. I feel you should spend one day having fun and trying new things. Saturday is my favorite weekend day.

The first thing I do every morning is open my window, fix a cup of coffee and sit in my favorite chair. From there, I reflect on my goals for the future.

I write……

I write down my negative thoughts and behaviors and then I pray for forgiveness and growth.

I read over my goals for the day, week, month, year, and next five to ten years.

I read over what I have accomplished and what I’ve done in my life over the last thirty years.

I workout…….(I always wear my belly burner ;-))

I stretch my body.

I run 3-6 miles.

I focus on working out my entire body, so I do the following exercises:

Push ups (3 sets of 25)

Crunches (3 sets of 25)

Squats (3 sets of 25)

Side Plank Hip Lifts (3 sets of 25)

Play 1-4 games of full court basketball.

I stretch again.

I focus on a hobby……..

My hobbies consists of reading, learning a language, cooking, drawing, and of course, fitness.

After my shower, I focus on one of those hobbies for 1-2 hours.

I explore……

I always plan an event to do on Saturday, whether it’s an event I can do at home or outside of the house. Here is a list of things I like to do on a Saturday:

Tryout a new coffee shop in the area (I love coffee).

Go shopping

Attend an event that is about a culture or topic that I am not familiar with.

Go to brunch with friends.

Talk or hang out with someone new.

Go to a grand opening.

Go hiking or camping (I love being outdoors).

Go for a long walk.

Sit by the pool.

Grill.

Host a get-together at my place.

Watch a new documentary.

Attend an event I have been invited to.

Blog.

Sit in a park and read.

Saturday night……

I love going out with my girls or a group of friends. So we like to…….

Try out a new club.

Go to a place that plays live music.

Dance.

Drink and take shots.

Go to a new event at a club or bar.

Go to a concert or premier.

Go on dates.

How to Start and Run a Successful Business Part I; Important Key Factors

As you know, I ran a successful business consulting firm for nearly twelve years. I started with the idea to run a small business to help those in need, but it turned out to be more. By the time I retired, I had expanded the business to four states. I had a team of over fifty, which included employees, investors, interns, and business partners. It was a huge responsibility, but I enjoyed every minute of it. Now, I am going to give you insight on how I did it and give you tips and ideas to help you run a successful business. Here is what you need to know:

CEO/Founder Responsibilities:

The number one issue that most business owners struggle with is having start up capital, maintaining their capital, and knowing how to ask for it. Here are things you need to know:

How to create and maintain your profit and loss statement.

How to create and maintain a balance sheet.

How to create and maintain a forecast for your business.

How to campaign for raising capital.

How to pitch your business to get an investor(s).

How to get leads.

How to turn leads into clients.

How to maintain clients.

Before you can define each point above, you should know what type of business you want, who you want your audience to be, the end goal for your business, and basic information such as, name, owner(s), current budget, expenses, and current employees and business partners. Not knowing these things does not mean you can’t start a business, but it does give you a clearer vision on what you need moving forward.

You maintain a business by maintaining the flow of the business. You keep a business open by keeping the revenue flowing in.”

Unwanted things, but inevitable things that will happen when you open a business.

You may run out of money.

You will receive negative reviews.

Your revenue will decrease during the holiday (November-January) season.

The best time to start a business is from tax season through the end of summer.

The dominoes effect is real.

Your race does matter.

Doing work for free is BAD!

Starting a business with friends and family isn’t a good idea, but that isn’t a reason to not try it out.

You may have to ask close friends and family for money.

You will fail at something.

Switching roles within your business may be the one thing that saves your company. Even if this means you are not CEO for a period of time.

You are not the only one with the idea, so knowing and understanding your competition is important. Especially, the average rate per product and service.

Debt is inevitable.

In, How to Start and Run a Successful Business Part II, I will break down the key factors above.

I Took a One-Year Break From My Career

I know many of you have read about Deanna Mulligan stepping back from her career for two years. She was 41 at the time and in the prime of her career. Now she is CEO of Guardian Life Insurance; a company that was once her client. What a great move. I, too, decided to do the same thing at 29. I was in the prime of my career, lived in one of the best apartments EVER, had a great circle of friends, and life was great. However, I was exhausted.

https://www.msn.com/en-us/news/us/she-took-a-two-year-break-in-her-career-now-shes-ceo/ar-AAICL10

In October 2018, I retired early from the company I started in 2007. Many would say that being able to retire at 29 is a great accomplishment, but retiring early was a much needed step at that time in my life. As a kid, all I ever wanted to be was CEO of a large company. I made it happen, but by the time I reached the peak of my career, I was exhausted. I was on the verge of a nervous breakdown. Here’s why:

I focused too much on who was on the journey with me.

  • I felt like a bad ass owning my business, modeling, and acting in my twenties. I was living the life many people dreamed of. However, I wanted certain people to go with me and it didn’t happen. I felt entitled because I was the only one I knew doing what I was doing, so I tried to figure out why so I could change their minds. Even though, I was a confident woman, I tried to prove myself to the people who rejected me because I felt entitled to.

I tried to control my life.

  • One of the biggest mistakes we make in life is trying to control what happens. It’s a defense mechanism because we are afraid of getting hurt and/or failing. I had a goal, I knew the steps I wanted to take to get there, and I had a vision of how the outcome would be. I wanted everything to be perfect.

I reacted to everything.

  • If you didn’t give me my way, I didn’t like you and wanted you to pay. THE WORST ATTITUDE TO HAVE. The worst part about me reacting this way is that it’s not me at all. I was afraid that if the vision in my head didn’t go as I planned it to, that it was going to set me back or I was going to fail. My biggest fear was failing, but my definition of failing was things not working out the way I THOUGHT they should. What I wasn’t mature enough to understand is that even if things don’t happen my way, doesn’t mean it’s not going to happen.

I forced things to happen.

  • You were not going to tell what to do, when to do it, and how to do it. I was so determined to get what I wanted, that if you didn’t support it, you were my enemy. Even, if you had good intentions.

What did this cost me:

I put myself into debt.

I forced myself into depression and having suicidal thoughts.

I didn’t focus on the woman I knew I could be and wanted to be.

I missed out on opportunities.

I didn’t allow others to fail, make mistakes, and be where and who they are.

I hurt others.

I was angry, frustrated, and easily irritated all the time.

I became prideful and entitled.

Taking a break from my career and normal life routine opened my eyes to who I truly was and how damaging things were becoming in my life. It was bad because I was TOO focused on what I wanted and not focused enough on what I truly needed. Here is what taking a one-year break from my career taught me:

  • Just because you can’t do anything at the moment, doesn’t mean that your skills, talent, gift, and purpose go away.
  • What’s meant for you, is ONLY for you.
  • Jealousy and envy of what someone else has or are doing, takes away your focus on what is important to your purpose.
  • Life isn’t fair, but when you focus on YOU, the things meant for you will come and if it doesn’t it wasn’t meant for you to have.
  • When you rush things, you open the door for things that are not meant to be part of your life, and it could hurt you in the long run.
  • Life isn’t perfect, so stop expecting negative things to not happen. There is always going to be things going on, but how you deal with it is important.
  • Titles, the amount of money you have, who you know, where you’re from, how you look, how smart you think you are and what you have accomplished DOESN’T mean you will reach your fullest potential. You get there by appreciating where you are, those who love and support you, and taking care of you and what you have now.

“If something is not really given, you can never really have it. You do not really have love, when you force someone. You just have resentment. You do not really have success, when you force it. You really have anxiety. You do not really have respect, when you force it. You really just have anger.” Unknown

I was afraid and I allowed my fear to overtake everything in my life. I still have a few things I need to heal from and overcome, but it doesn’t mean that I can’t choose to make the right decisions. Now, I am back in my original career, I have a six-figure job, with full benefits and it allows me to travel a lot. I live in one of the greatest cities and I am happier than I have been in years. Most importantly, I am back to doing what I love. 2019 was one of the best years of my life and I am proud of the decision I made to better myself and my life.

Success Without Haters ISN’T Success

The loudest person in the room is the weakest one.

A weak man can always be found in a crowd.

Judgement is insecurity.

Fake people are confused people.

Competition is fear.

What’s success without haters? We all have them. No matter what you do, someone will find something wrong. Don’t take it personally. Most people judge out of fear. That’s what hating is. Judgement. We all do it. Forgive them and move on. BUT……

What if you can’t forgive them? What if you can’t move on? That’s the question we all ask, especially if it hurts. It can also be hard to forgive them when they don’t say sorry for what they did to you. The more successful you become, the more haters and critics you’ll have. Could you imagine being a public figure? That’s a lot of people criticizing what you wear, misquoting what you said, judging your character, or just hating you because it’s you.

Here are ways to accept, forgive, and move on from those who come against you:

Remember, they don’t hate you, they hate something about you.

Praying for them to be blessed with the things they hate about you blesses you, but it also gives God a chance to convict them.

Don’t talk about them after they hurt or betray you. Keep it to yourself, write it down, and pray about it.

Be nice to them when the time comes. Life always repeats itself. Eventually, those who did you wrong will need you.

When people switch up or stop supporting you, keep doing what you do. Don’t talk bad about them or what they did. Leave them alone. If they are meant to be in your life, it’ll be. Most likely, they were never your friend.

If someone treats you like they are better than you and you’re beneath them, then you are winning. The only reason why people do this is because they fear you’ll eventually discover YOU and they saw YOU before you did. Focus on yourself and what you want, eventually they will join you.

Success comes with hate, judgement, and doubt from other people because many people believe they can’t do it or they can’t figure out how you did it.

Life isn’t fair at times. We can’t control others and what they do. No matter what you do or how you do it, nothing will be good enough for someone. You have to be willing to accept that while you are building your career. It gets easier to accept the hard things once you begin to focus on all the good things in your life. Go for it!

CEO~USMC Vet~Future Doctor