Google: Black Wealth 2053. What do you see? According to the 2017 Prosperity Now study, it is estimated that in or about the year 2053, the median wealth of African American households is set to be zero. With 50% of the African American households possessing little to no wealth, how can this community have any political or economic leverage? Readers will discover that they have not been given all of the information needed to achieve their homeownership, investment, insurance, retirement planning goals in the most cost efficient and risk constrained manner. To say that the system is rigged is an understatement. This book gives the reader the rest of the story. Antoine Orr's insight, and wisdom reveals how the African American community can recognize sound wealth-building and wealth-sustaining strategies: - Discover the impact of wage and wealth imbalances between Whites and African Americans, and countermeasure maneuvers necessary to level the playing field. - Why the juice from a 401(k), 403(b), 457 Pan and Thrift Savings Plan may not be worth the squeeze. - Uncover the truth behind how life insurance is used by the wealthy. It wasn't to build wealth. - How to calculate when homeownership is good investment. - How to use the 5-7-12 Plan to create a wealth-builders safety net and have a permission slip to take risk. - How to use a home to build wealth - How to pay off all debt (student loans, credit cards, automobiles and real estate) in half the time and without refinancing or taking out a loan Antoine Orr is a 30-year investment and insurance insider. He is known as an industry disrupter. He owns the trademark to Stop401k.com. Mr. Orr uses his inside knowledge to provide the reader with the information they need to make better wealth-building decisions for their household. To do that, the reader will need to follow the advice of Professor Patrick Loch Othieno Lumumba who said, "Do not think outside the box, think without a box because we do not know who brought us the box."