Jamilah N. McCluney
"Financial Coach & Strategist"
For as long as I can remember, I’ve always wanted to be a doctor.
I went to college and followed the pre-med track and along the way realized I’d be 35 before I was finished my schooling and definitely didn’t want to be that old and just be starting my career.
I was like, I want to be married and have a family! How in the world am I gonna do that if I’m still in school?!?! (I wanted to be a cardiothoracic surgeon). Fast forward many years later and 35 has come and gone and I’m not married and have no kids. The irony! LOL
Helping people has always been a passion of mine and I still wanted to fulfill that desire in any way that I could. I stumbled around, traveled, and thought I would settle on a career in real estate. Although I did well, there was simply no passion there and I was still very much unfulfilled. I grew up in an entrepreneurial family where my grandfather was a business owner as well as both of my parents. I worked in my parents’ businesses as a little girl and reaped the benefits as they made hundreds of thousands of dollars in the 80s. At one point, my parents owned a beauty supply store and 3 hair salons at the same time. Growing up with such a background afforded us a lot of luxuries like private school, music lessons, nice cars, and a nice home.
With poor money management and horrible financial decisions, my parents lost every last business and all of the money they had worked so hard to obtain. To put it plainly, we lost everything. Out went the private school and music lessons. Nice cars switched to no car at all, and a beautiful home turned to a simple apartment. Luxuries vanished as we experienced...the struggle.
Because there was no proper financial example for me to follow, I made several financial mistakes. I got into credit card debt very early while in college (while having no job, which means that I couldn't afford a credit card in the first place), chose the wrong mortgage (and watched my monthly payment adjust and more than double), and I also avoided and ignored my student loans as they accumulated and my deferments expired. I found in dealing with my money situations that it was much easier to avoid reality, not open the mail, and not answer the phone. You and I both know that avoidance can only last for so long before everything gets real, real and you have to face the music.
Facing my music was actually life-changing. Out of what seemed like a disaster and the end of the world, my financial education began. I needed to understand the ends and outs of money and learn exactly how money actually worked. With the education that I was able to gain, I began working for a very successful financial firm. Combining my education with the knowledge, money tricks, and secrets that I learned from multi-millionaires (and one billionaire), I have been able to really help and provide life-changing advice to others.
My father died a few years ago and he had absolutely nothing to his name; no financial legacy to leave to his 3 children and no businesses for us to take over. Out of that loss and the sad realization of what didn’t have to be, Black Wealth Financial was born. I created Black Wealth Financial to provide you with a financial plan and blueprint. We exist to help you manage your finances and to provide you with financial education so that you can enjoy the luxuries in life debt and stress free, while simultaneously building a financial legacy for you and your family to enjoy for many, many, years to come.
"Let's be honest, change is not always very comfortable and there are so many reasons to delay and start tomorrow, next week, or even next year. In most cases, the longer you wait, delay, and avoid, the worse the situation becomes. You can make money or you can make excuses, but you can't do both."#facts: Jamilah graduated from THE illustrious Howard University. She is from San Diego, CA and is so consumed with all things money, that she named her dog “Cash Money”. She meditates daily, struggles between vegan food and cupcakes, and has so many books in her Amazon cart it’s embarrassing.