“The goal isn’t more money. The goal is living life on your terms.” — Chris Brogan

This month, we’re celebrating the spirit of entrepreneurship, the power of gratitude, and the financial wisdom that can change your life after 40.

National Entrepreneurship Month

Entrepreneurship isn’t just about starting a business—it’s about freedom, creativity, and the opportunity to shape your own future. Did you know that small businesses in the U.S. employ nearly 47% of the private workforce and contribute almost half of the nation’s GDP? That’s the power of dreamers and doers working together to make a difference.

Starting a business is never easy. Entrepreneurs face countless challenges, including financial uncertainty, market competition, and long hours. Yet, their creativity and perseverance often lead to transformative changes in their industries and communities. It’s also worth noting that many of the most successful entrepreneurs started with modest resources but made significant impacts through innovation and grit.

If you’re an entrepreneur, use this month as an opportunity to reflect on your journey and set new goals. Take time to evaluate what’s working, what needs adjustment, and where you can grow. Remember, continuous learning is one of the keys to entrepreneurial success. Consider networking with other entrepreneurs or seeking mentorship from someone you admire in your field.

For those who support entrepreneurs—whether you’re a friend, family member, or customer—remember that your encouragement can make all the difference. A simple gesture like shopping local or sharing a positive review can go a long way in helping their business thrive.

If you’re thinking about starting your own venture, here are five exciting opportunities to explore:

1. E-Commerce: Online shopping is booming, with global sales projected to hit $6.3 trillion by 2024. Selling products or services online is an incredible way to reach customers across the world.
2. Health and Wellness: The wellness market is worth over $4.5 trillion, and people are more focused than ever on their health. From meal prep services to fitness coaching, there’s a place for you in this growing space.
3. Sustainability: Eco-conscious consumers are driving demand for green products. The renewable energy market is growing at 8.4% annually, making it a fantastic industry to watch.
4. Technology Services: From app development to cybersecurity, tech remains a hotbed for innovation. Cybersecurity alone is set to become a $376 billion industry by 2029.
5. Educational Services: The e-learning market is expected to exceed $400 billion by 2026, thanks to increased demand for online skill-building and tutoring platforms.

Entrepreneurship isn’t just about financial gain; it’s about creating something meaningful. The first step is often the hardest, but it’s also the most rewarding. You’ve got this.

Is it Time for a Change? or Need to Make Extra Money?

We are expanding and looking for individuals to fill Financial Professional positions. If you are ambitious, have good people skills, love helping people, are money-motivated, good in a team atmosphere/culture, entrepreneurial-minded, or are open to a change, then this is for you. This is 100% remote, performance-based compensation in the most lucrative industry in the U.S. today. NO experience is necessary, we have an amazing training and mentoring program to fully support you along the way.

Click this link to schedule an Introduction interview, to discuss your experience.

National Gratitude Month

Gratitude isn’t just polite—it’s powerful. Studies show that practicing gratitude can make you 25% happier, improve relationships, and even strengthen your health. And the best part? It’s free and easy to share.

November is National Gratitude Month, a perfect time to reflect on the blessings in our lives and express appreciation for the people who make them meaningful. Practicing gratitude isn’t just a feel-good activity—it’s scientifically proven to improve mental health, lower stress, and strengthen bonds with others.

Here are five ways you can show gratitude today:

1. Write a Thank-You Note: A quick text or a handwritten card can go a long way in making someone feel appreciated.
2. Compliment a Colleague or Friend: Let someone know you see their efforts and value them—it could make their day.
3. Surprise Someone with Kindness: Pay for a stranger’s coffee or leave a kind note where someone will find it.
4. Start a Gratitude Jar: Write down one thing you’re thankful for each day. It’s a small habit that can create a big mindset shift.
5. Give Back to Your Community: Volunteering your time or donating to a cause you care about is a beautiful way to show gratitude for what you have.

Remember, gratitude is contagious. When you share it, you inspire others to do the same.

Tackling Financial Challenges: A Guide for Middle-Class Households — Part 4

It is no doubt that middle-class families in the U.S. are facing a variety of significant financial challenges that threaten their economic stability. Our newsletters have been exploring the top five challenges impacting middle-class families today. Then, we include 3 action steps that can be implemented today to combat the challenge discussed. These action steps will be based on the 3-Parts of a Financial House.

• Part 1: Erosion of Purchasing Power
• Part 2: Financial Insecurity and Lack of Savings
• Part 3: Inadequate Financial Education

Part 4: Increasing Household Expenses

Everyday expenses like digital services, healthcare, insurance, and housing have been steadily rising, placing greater strain on family budgets. According to the Consumer Expenditure Survey, household spending increased from $60,060 in 2021 to $61,224 in 2022 to $77,280 in 2023.

Action Steps to Manage Expenses:

1. Shop Smart: Use coupons, take advantage of sales, and compare prices before making purchases.
2. Cut Unnecessary Costs: Reevaluate your subscriptions, memberships, and other non-essential expenses.
3. Negotiate Bills: Call service providers to negotiate lower rates on recurring expenses like cable or insurance.
4. (Bonus) Tackle High-Interest Debt: Debt can hold you back. Make a plan to pay it off so you can invest in your future.

Every step you take now helps secure your future. Don’t wait to review and manage your expenses—your future self will thank you.

Is Your Family’s Financial House Built to Last?

Are you confident that your family’s financial foundation is strong enough to withstand life’s unexpected challenges? If you’re unsure, it’s time to take control of your financial future.

With The Financial House Building Blueprint, you’ll receive a custom-designed plan that helps you build a rock-solid foundation for your family’s finances, so you can:

• Save $1,500+ a year without changing your lifestyle.
• Reduce debt while growing your savings.
• Protect your family from unforeseen financial risks.

This tailored strategy is designed to help you safeguard your wealth while ensuring your loved ones are protected. Don’t wait until it’s too late to secure your family’s future.

Schedule your FREE Financial House Building Blueprint session today and start building the financial security your family deserves.

It’s time to take action and make sure your family is protected. Let’s build your Family Financial House together!

Quick bites…

• Take the Leap: Research one of the five high-potential industries and take your first step toward entrepreneurship.
• Share Gratitude: Tell someone in your life why you’re thankful for them today. It’s simple but powerful.
• Review Your Budget: A quick review of your spending and saving habits can make a big difference.
• Shop Local: Support small businesses in your community to celebrate the entrepreneurial spirit.

Stay tuned…

• Avoid these 5 Financial Mistakes after 40-series — Part 5
• More Ways to Improve Financial Literacy
• Ways to Save, Invest, and Become Debt-Free
• Random Acts of Kindness

That wraps up this week’s Sunday Brunch! As always, take time to appreciate where you are, plan for where you’re going, and celebrate the progress you’ve made.

Thank you and be safe, see you in two weeks,

Carlton B. Finley | CB Finley & Associates | (248) 796-9419 | www.meetwithcbfinley.com

Attention: Business Owners

Suppose you've noticed that many of the ideas mentioned in this newsletter do not align with your business's current culture, and you would like assistance in implementing them.

Would it be worth 15 minutes of your time to learn how to integrate these ideas into your business?

Schedule your, no-obligation, 15-minute chat with us!