Are you willing to make a shift and turn in the right direction? Do you want to discover the purpose for money? By laying a proper foundation, you can achieve financial success. First you must understand how to maximize your income, limit your debt, and properly manage your financial resources. Through financial planning and budgeting, you can establish a positive credit rating and use the leverage of borrowing to build assets for your future. How Willing Are You? Takes you back to the basics in order to establish a plan for financial freedom. This plan includes exercising financial stewardship, operating in God's Word, and renewing your mind for change. If you are willing to do what is needed, change can occur in your life and the lives of your children. Start now and establish wealth for generations to come. Charmaine Phillips is the founder and Broker of Portfolio Builders Real Estate Co. in Atlanta, Georgia acting in the capacity of a consultant, mentor, and teacher. As a real estate investor, she uses her experience in money management, consumer credit, and real estate investing to teach financial principles and generational wealth. Her goal is to teach finances in order to change their future and impact the lives of their children. A native of Brooklyn, New York, she began investing in real estate in 1989. She manages her personal real estate portfolio of single and multifamily properties, commercial and land.