Here in CA, I started a self employed personal training business five years ago, and love what I do, but as my 50th birthday approached last month; I knew that true security and financial freedom wasn't going to come from my current profession.

Here in CA, I started a self employed personal training business five years ago, and love what I do, but as my 50th birthday approached last month; I knew that true security and financial freedom wasn't going to come from my current profession.

Other things to consider are birthday cards or other holiday cards.

I do it for my tenants now and I do it for their birthdays as well.

My kids do this for school clothes and supplies, and birthdays/holidays in lieu of gifts.

It began almost as soon as I turned 18 when I received a pre-approved credit card application through the door within days of my birthday.

if their birthday is on their lease that gets you one.

Last summer, I took my first real step to financial freedom and purchased my first home as a birthday present.

I saw many black families having a birthday parties for their kids on the front lawn.

So hate to say it but you gotta wait till your birthday.