The NFEC conducted a survey that concluded financial illiteracy cost 254 million American adults over $436 billion annually. We must find a way to help you put this money back into your pockets to increase your financial success and grow the economy. Statistics state that only 57% of Americans have basic financial literacy and 69% of Americans are living paycheck to paycheck, more than likely because they have a lack of or inadequate financial literacy knowledge. In these challenging times inflation, high credit card debt, and shrink-flation people are really struggling financially. American credit card debt has reached over $1.13 trillion and $120 billion in interest and fee payments. This creates enormous amounts of financial stress in their lives and causes many health concerns.

‘Soaring Toward Financial Freedom’ is an introductory basic financial literacy book course created to increase all Americans’ financial literacy intelligence quotient to keep you out of these statistics. It explains and illustrates the value and many benefits of increasing your financial literacy IQ and managing your credit rating. The goals are to provide you with increased financial literacy knowledge, uplift you, and give you ‘HOPE’ to change your life in these financially challenging economic times and over your lifetime.

These current rising prices for basic housing, food, and utilities are costing you $400 to $600 per month more than last year with no end in sight. These increased prices are putting folks behind on their rents, bills, and mortgage payments and many of you are going into foreclosure. Even in times of higher prices for housing, utilities, food, gas prices, and massive layoffs, there are still ways of providing people with a sense of 'HOPE' for change, knowledge, and better ways of managing their money, credit, and finances. Currently, the cost to own and insure a vehicle has become outrageously affordable. You just need to raise your financial literacy IQ to make sure you are better prepared to manage your money and cut back on unnecessary spending. The net effect of increased financial literacy is increased purchasing power which is like giving yourself a tax-free raise.

This book course teaches you the importance and difference between your needs versus your 'wants'. These rising prices of everything are causing many of you to live paycheck to paycheck making it harder to make ends meet. This is putting you further and further in debt and even causing your credit scores to fall below 670 and making you high-risk borrowers. These rising prices have a tremendous snowball effect spiraling pushing to the grasp of poverty. It is forcing many of you to finance everything in the subprime lending market, where you are being financially ‘robbed’ of any future opportunity to improve your credit score. In essence, you could be sentenced to a lifetime of paying extremely high interest rates. The simple fact of having a low to poor credit rating literally transfers all your potential savings to your subprime lenders. It’s a downward spiraling vicious cycle like the water swirling down a drain and it’s very difficult for you to get out of these high-interest debt situations.

The ‘STFF HOPE PROCESS’ represents ‘Soaring Toward Financial Freedom - Helping Others Prosper thru Education – Provides Real Opportunities to Create and Empower Savings and Success. It provides you with a plethora of over seventy-two ‘Food for Thought’ suggestions, recommendations, and solutions on planning, budgeting, and savings. These solutions focus on teaching you how to fish so you can eat every day, rather than just giving you a meal now and then. This book course teaches and shows you how to save and put tens of thousands if not hundreds of thousands of dollars in higher interest payments back into your pockets. It shows and illustrates how to easily save enough money for a down payment to purchase a house, pay down debt, pay off student loans, and save for your retirement. You will be able to build ‘Paths to Homeownership and Self-Sufficiency’ It can literally give you the 'Keys' to homeownership which is the foundation for building generational wealth. This financial security prepares you for a comfortabe retirement that worked so hard for with sufficient savings to enjoy it.

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It gives you options you may not have thought existed. If you are thinking about going to college, having the knowledge of how to repay your student loans when deciding will definitely encourage you to pursue that college education you thought was so far out of your reach. So, why not make an investment in yourself and change your life for the better? You have absolutely nothing to lose and so much to gain take the 'STFF HOPE PROCESS’ challenge and change your life to build a better financial future, simply because you need it, you deserve it, you are worth it and it's very challenging to succeed without it. Do it for yourself and your family, it's a small investment in yourself that will financially change your life forever. So, take the next step and put yourself on the path to self-sufficiency and financial success.

You can build a better financial future and achieve your dreams when you are equipped with the financial life skill tools this book course teaches you. You’ll be pleasantly surprised at what you can accomplish when you commit to increasing your financial literacy IQ. Your financial future can be as bright as wish if you are willing to learn the rules of the complex world of money, credit, and finance.

The ‘STFF HOPE PROCESS’ primary purpose is to provide you with the ‘Gift’ of increased financial literacy and the life skill tools to achieve your financial goals and dreams. This knowledge will provide you with clear paths and road maps that will enable you to manage your money, credit, and finances to make better financial decisions. The benefits of this information will help you avoid the many financial pitfalls most people encounter, increase purchasing power, and savings, and help you achieve your long-term financial goals. Many of your goals may consist of savings, purchasing a house, and accumulating enough money for a comfortable retirement. Take this opportunity to 'Unlock the Keys' to your Financial Freedom'. Once again, our Solution strategies help you build, ‘Paths to Homeownership and Self-Sufficiency’.

This investment in yourself is 'that' once-in-a-lifetime opportunity you have been waiting for to change your financial life and achieve your dreams. It will allow you to build a better financial future for yourself and your future family. This financial literacy knowledge is a possession you will have for the rest of your life. It’s a valued procession that no will can ever take away from, it’s yours for life, and you can share it with everyone you want, and it will never deplete in its content or value. As a matter of fact, the more you share it the stronger it gets, so you can pass it on to the next generations.

If you happen to be a Social Media Influencer, this is an excellent financial literacy educational resource you can recommend for uplifting your Followers as a 'Pay It Forward' gift. It will allow them to achieve their financial freedom, and they will surely appreciate and thank you for it.

Please don’t let this opportunity pass you by; make an investment in yourself, your future, and your family. Simply because you need it, you deserve it, and you are definitely worth it. Take a leap of faith, you won’t regret it.