Whether you’re an African-American working full time, entering college, graduating college or retiring, it’s not too late to move toward financial freedom. Gregory D. Bethel outlines seven steps to take now to ensure a brighter future. While he positions his message for African- Americans, anyone can use his guidance to achieve financial independence. In plain language, he explains how to reduce debt, conduct financial research, build capital, invest, monitor growth, and enjoy life to the fullest. The guide includes worksheets so you can determine your net worth, create a budget, track expenses, calculate debt, and more. Overcome your fears, eliminate debt today, and start saving for tomorrow with this practical guide that leads to financial freedom. Order your book today: http://www.lulu.com/spotlight/gbethel