Blessed are those who find wisdom, those who gain understanding, for she is more profitable than silver and yields better returns than gold. Those were the words of the richest man in the world at one point (King Solomon) This week, let us strive to seek wisdom.......find wise mentors and listen to them attentively.

Hilary Tolong is inviting you to a scheduled Zoom meeting. Topic: Coffee Time Chat Time: Nov 20, 2025 08:00 PM Eastern Time (US and Canada) Join Zoom Meeting https://us06web.zoom.us/j/6778916186?pwd=aGvJhWXx2knejSaJhZf4xy5KMg5zbf.1&omn=89676383638 Meeting ID: 677 891 6186 Passcode: Coffee Join instructions https://us06web.zoom.us/meetings/89676383638/invitations?signature=slaO84FO5WJRyrFvU5CWLymXYo-yk1pwVFbKICDRIEg

People do not decide to become extraordinary. They decide to accomplish extraordinary things. Sir Edmund Hillary (The first foreigner to climb and reach the summit of Mt. Everest). For those who have interacted with me personally, you know that I got my name from my hero who made the quote above. Have always wanted to accomplish something extraordinary and that is why I am passionate in helping people learn and believe in themselves despite their backgrounds. This week, lets accomplish something extra ordinary. If you are brave enough, you can share it here. Blessings as you face the week.

Create disciples who will learn from you....you are already ahead of many people

Cash Flow Quadrant Overview I just released a course on the cash flow quadrant from Robert Kiyosaki's "Rich Dad, Poor Dad" book, which helped me with changing my mindset and path to wealth creation. We discussed the four quadrants: E (Employee), S (Self-employed), B (Business owner), and I (Investor), and described how cash flows from one quadrant to another. Income Protection and Insurance Basics We discussed that employees earn money through their jobs, which pay them only when they work, and the amount they earn varies based on their skills, training, and education. We highlighted that if an employee becomes injured and can no longer perform their job, they may not receive high pay, emphasizing the importance of insurance to protect their income during recovery periods. It was noted that while insurance can help employees live reasonably well while injured, it is limited in scope. Understanding Employee, Self-Employment, and Business Ownership We explored the differences between employees, self-employed individuals, and business owners, using examples like plumbers to illustrate each category. We highlighted that self-employed individuals can deduct business expenses, but their income depends on their own efforts, unlike employees who receive wages and have source deductions. We also described a business owner as someone who owns a system that works for them, contrasting with self-employment, where the work depends on the individual's effort. Transitioning to Passive Income We discussed the difference between active and passive income, emphasizing the importance of transitioning from being an employee to becoming a business owner or investor. The various ways to generate passive income, such as owning stocks, real estate, or even becoming a lender were discussed. We also highlighted the benefits of financial freedom, where passive income exceeds active income, allowing individuals to live comfortably without the need to work. Watch the course and please post your feedback here so that I can improve it or address any of your questions.