Byron Kelly, CLTC®️. 📊 Financial Professional 📈

I am #BevsSon She’s gone yet through opportunity I will help hundreds, thousands, tens of thousands, hundreds of thousands of women with great spirits just like my mother Bevera Q. Kelly. 📥 or 📧 or 📨 or 📞 to interview. Become state licensed, change lives 🤝 impact the 🌍.

#FinancialFriday 5️⃣ Financial lessons in COVID-19 still relevant today: 1. Income; have multiple streams 2. Market volatility; protect retirement 3. Health; Get Critical & Chronic benefits 💵 4. Have an 3-6 month 🆘 funds 5. Get FIN affairs in order #FinancialLiteracyMonth

@Soulful1865 I thank God over the past decade, I’ve witnessed the diaspora unite on common goals: Community Impact. No Family Left Behind. Black Excellence. Leadership. Entrepreneurship. Celebrations. Growth Mindset. Multi-Generational Wealth as the Legacy. It’s incredible!!!

Here's the Truth, as stated by an immigrant from LIBERIA. He says..since hes been living in the United States, hes noticed amongst his fellow African peers at school & work, that they have a 'hidden jealousy' for 🇺🇸 Black Americans, their culture, innovations and achievements.

@realericmoutsos Unprecedented times. Unprecedented.

Do you trust Pete Hegseth?

@RepMcGovern Astute observation. ✍🏾

Tells you exactly what’s wrong with this world. Trump threatens a genocide, and media conglomerates want to know if it will be good or bad for the stock market.

@DavidTangipa Tracking. ✍🏾

🚨 WARNING: California is staring down massive future deficits — the state alone is projected to face an $18 billion shortfall in 2026-27, exploding to roughly $35 billion per year starting in 2027-28. And that’s during what counts as a “good” economy with a strong stock market. Our major cities are in even worse shape, reporting historic deficits and structural gaps: • Los Angeles — over $1 billion+ gap, with reserves plummeting • San Francisco — ~$296 million projected for 2026-27 (cumulative nearing $1B) • Oakland — ~$290 million over the next two years • San Diego — $300 million+ and worsening • Sacramento — ~$66 million • Plus growing shortfalls in San Jose, Fresno, Long Beach, Berkeley, and Santa Monica. Yet Sacramento keeps pumping out money for new programs and failed initiatives instead of demanding real cuts to waste. If we’re bleeding this badly right now, imagine what a true market downturn will do. Time to stop the reckless spending before it’s too late.

@TheOfficerTatum Cash flow is king. 👑 (for you) Net worth is kingdom. 🌍 (outlives you) Isn’t he obligated to leave a lasting legacy? No one knows how is wealth will be distributed in legacy. Coveting= too high, understanding how wealth is accumulated O V E R • T I M E= too low. ✍🏾

Pastor Joel Osteen (est. $100M net worth) claps back at critics accusing him of living large off church donations: 'I’ve never taken a salary from the church…' He says his wealth comes from book sales and speaking fees instead

As of this month, foreign nationals are no longer eligible for SBA’s small business loan products. This agency is committed to driving growth and economic opportunity for American citizens – not illegal aliens.

@KurtSupeCPA We already know who was supposed to help mitigate that but most can’t, they’re constrained. I’d be curious how much of that $2M calculates to be his OWN money 🆚 actual returns. I’m finding it’s ridiculously lopsided. People need to start using their own CALCULATORS more often

Met a guy recently. Just retired at 63. $2M saved. House paid off. Zero debt. Did everything right for 30 years. Claimed Social Security early. Started pulling $110,000 a year from his IRA. Nobody told him those two decisions would collide. 85% of his Social Security is now taxable. His bracket jumped. Tax bill his first year of retirement was bigger than when he had a paycheck. And in two years when he hits 65 and goes on Medicare, IRMAA kicks in and his premiums spike on top of it. His advisor never saw it coming. Who was supposed to catch that?

Success rarely happens all at once. It’s built day by day through small, consistent actions. Just like savings grow with interest, your daily efforts add up to big results over time. Start this week strong and stay committed to the process. #MondayMomentum #ByronKelly

@EarnYourLeisure Until more and more people get sick and tired of just saying they’re sick and tired, nothing changes. It’s a mindset thang.

Oracle reportedly laid off up to 30,000 employees as it pivots toward AI infrastructure. What are your thoughts? You can watch the latest episode of Black Out on @earnyourleisure YouTube & all podcast outlets

@jefeisland @HbcuPass @LeVelleMoton A very big bank is spearheading capturing these kids wealth too. Why weren’t they for HELPING the kids prior to NIL 💰? Kids were broke. Athletes and parents, be wise out there. Please seek financial education from multiple sources. Banks are lending institutions. ✍🏾

D1 Head Coach Levelle Moton (@LeVelleMoton) Sounds Off On How Bad NIL & Money Has Become In College Basketball… Full Interview: youtu.be/7aPjYEVlfW4?si

@MatrixMysteries Brutally honest, we have to encourage more ppl to understand per hour value (paycheck) can’t out earn unlimited potential (entrepreneurship) long term. One is instant gratification (pay now), the other is delayed gratification and can be (months or years) from massive & passive.

“My paycheck hits and DISAPPEARS before I can even breathe.” TWO full-time jobs, four kids, and every month she's left with the same choice: groceries OR the mortgage. That’s not bad budgeting — it’s a rigged system you can’t win.

Why Big Pharma Keeps Moving the Goalposts on Blood Pressure Numbers -- Turning Healthy People into Patients for Profit? Historical "Normal" BP Shifts: - 1940: 100 + your age (e.g., 170/95 fine for a 70yr old) - 1970: 160/90 - 2000: 140/90 - 2025: Must be under 120/80, or you're "hypertensive" The Profit Machine: - Anti-hypertensive drugs raked in $36.7 BILLION in 2024 alone - Lower thresholds = more diagnoses = more lifelong prescriptions - Meds don't fix root causes, just symptoms—leading to more pills for side effects Hidden Dangers of BP Meds: - Chronic cough - Low sodium & potassium - Dizziness & headaches - Dehydration & muscle cramps - Gout & joint pain - Insomnia, nightmares, & depression - Slow heartbeat & heart palpitations - Asthma symptoms - Sexual/erectile dysfunction - Fainting & kidney issues - Angioedema (swelling of face/tongue) - Very low BP increases chronic illness & mortality risk, especially in seniors Natural Ways to Optimize Your BP (No Pill Deficiency Here!): - Adopt a whole-food, low-carb diet prioritizing nutrient-dense animal foods - Eliminate seed oils, processed junk, & sugar - Boost potassium & magnesium via unrefined mineral salts & targeted supplements—they power your body's sodium-potassium pump - Focus on lifestyle: stress reduction, exercise Higher BP in older adults often means longer life—don't let them scare you into over-medication!

Day 3️⃣ #FinancialLiteracyMonth 📊 I learned about life insurance planning for retirement after military service. I literally missed two decades of accumulating tax-free wealth and taking the policy with me after I retired. 📝 Seek more financial education. #FinancialFriday

Great, it’s #FinancialLiteracyMonth so this is applicable. ⤵️

Day 2: INCOME and CASH FLOW #FinancialLiteracyMonth What financial lessons from peak pandemic apply today? You need multiple sources of income; active, passive, residual and there’s no such thing as safe secure job in America. Follow or connect to learn. ✍🏾 #layoffs #FLM2026

Your faith will be tested by delay so do not despise humble beginnings. Entrepreneur #wednesdaymotivation #mentor #coach

Let’s collaborate to f you’ve been #laidoff. Keep your heads up! Turn the negative feeling about #layoffs to an opportunity to serve a need in USA. Yes. YOU. Can DM me because I’m in the people business. 💯

@drboycewatkins1 We must educate so we get off autopilot in plans that benefit the corporation more than ourselves. 🏠 has security ✅ 🏦 secured ✅ 🚘 secured ✅ 📱 secured ✅ Retirement secured? 🚫 Who’s teaching our community this nonsense in 2026? The traditional financial industry! ✍🏾

@FarmActionUS The road less traveled. 🧳 👏🏾

Farmer Rick Clark took a brave stand against Big Ag. “No herbicides.”

“No insecticides.”

“No synthetic fertilizers.” He’s living proof that farmers can succeed without Big Ag’s chemicals. "I made a stand that we are not going to involve our team members [or] family members and put them in contact with these chemicals." "We are now going into our 12th year on the farm.” "Do we win the yield contest at the county fair?" "No." "Are we profitable?” “Are we safe?" "Yes." “That, to me, is all that matters." "When I started to look down the family tree of my heritage, [there was a lot of] cancer [and] diabetes." "Why is this happening?" "We've got to increase nutrient density." "We've got to make our products healthier and safer for the consumer to eat." “We've got to make it healthier and safer for the farming community." @Heritage