If you’re in here early, I appreciate you. We’re at the beginning stages of building this community, so bear with me while we funnel more people in and get this room active. Real growth takes intention, promotion, and consistency and I’m committed to all three. This isn’t going to be a ghost town. It’s going to be a room full of thinkers, builders, and people serious about becoming more literate in life. Every strong community starts small. If you’re here early, you’re foundational. Stay engaged. Ask questions. Start conversations. When more people come in, they’ll walk into a room that already has energy.

Investing is not gambling. It is patience. Most beginners fail because they: • Overreact • Overtrade • Overthink • Understudy In this section we focus on: • Account types • Long-term structure • Risk tolerance • Diversification You do not need to be a genius to build wealth. You need consistency. We prioritize: Understanding what you own. Knowing why you bought it. Building a plan you can stick to. We don’t chase hype. We build literacy. If you don’t understand it yet, that’s fine. That’s why you’re here.

Credit is not a flex. It is a tool. In this section we break down: • Utilization • Profile structure • Limit increases • Risk management • Credit stacking • Long-term strategy We do not: • Chase random cards for aesthetics • Close accounts emotionally • Panic when limits shift • Spread misinformation We build profiles intentionally. Your credit score is not your identity. But understanding how it works changes your leverage in life. Ask smart questions. Be open to learning. Challenge ideas respectfully. We are here to understand the system, not complain about it.

Nothing works without discipline. Not credit. Not investing. Not wealth. Not character. You cannot build a strong financial life with weak emotional control. In this section we focus on: • Delayed gratification • Emotional discipline • Long-term thinking • System building • Character over ego This is not a hype room. This is not a “get rich quick” environment. We operate on: Consistency > Motivation Systems > Feelings Understanding > Flexing If you’re here, you’re here to grow — not just watch.

What’s up everyone. My name is Malik. I’m 25 years old and I’m obsessed with literacy, not just reading and writing, but life literacy. • Credit literacy • Investing literacy • Financial systems • Lifestyle discipline • Character development I built a platform of nearly 20,000 people on TikTok by talking about what school, work, and even most adults never fully explain, how the system actually works. I currently: • Work full-time • Go to school full-time • Hold a Bachelor’s degree • Finish my Master’s in Public Administration in a few months • Maintain an 800+ credit score • Manage multiple investment accounts • Study systems daily Not because I’m special. Because I’m intentional. I’ve owned multiple cars, multiple motorcycles, built my credit profile, built my investing habits, and most importantly, built discipline. This community is not about flexing numbers. It’s about understanding. Most adults are literate at work. They can clock in. They can follow instructions. But they are illiterate in: • Credit • Investing • Financial structure • Emotional control • Long-term planning This space exists to fix that. The Abundant Learners Club is for people who are tired of guessing. Tired of hype. Tired of fake motivation without foundations.