Five Tips to planning to invest and to garden

5 Tips on how individual investors can achieve long-term success. I have added my favorite tips for gardening that mirror investing.

Save: This is the first rule. If money is not routinely set aside for investing, a person will end up in retirement with nothing.
Stay Broadly Diversified: Diversification eliminates the risks of incorrectly picking individual stocks, selecting managers and choosing sectors. Define your short-term goal (30 to 60 days) and long-term goal(3 to 5-year plan)
Keep Costs Low: Investing is not a zero-sum game with winners and losers since the investment industry keeps a share of investors’ returns through fees and other expenses. Be consistent and persistent to learn about the stock market and how the markets work.
Keep Transactions to a Minimum: Doing so will help keep costs low. Try acorns, stash and or Robinhood apps to keep cost down.
check out dividend stocks to support your portfolio. Two stocks that are paying a dividend every quarter are VISA and Home Depot. These two stock can buffer your portfolio.
Gardening like investing requires planting seeds. Investing seeds can be mutual funds, stocks, bonds, or ETFs. Plants seeds such as lemons, pumpkins, tomatoes, carrots or kales can be a great diversified garden. Prior to setting up your plans, ask why are you planning to garden or invest. It is important to know your reason and to define your goal. Knowing your reason helps you to understand your commitment when things go awry when we are learning a new skill set.

To learn more about how to invest in stocks, check out this link to learn more about trading : is an educational site.flipthatstockfinal1. This site is geared to someone who wants to earn money daily and uses Think or Swim platform to make trades. You can study with JR Fenwick. Learn from his experience on how to enter the trade and when to exit. This site offers one on one training and group sessions. The training focuses on trading while the market is live. getting an education on how stocks works are helpful.
I have used as a way to invest $5 per day.This is a low-cost way of investing and using your extra money that has and making the investment for you. Sometimes we need an easy way to save and invest that is without thinking too hard or putting it off.
A gardening parallel is that to set up a small scale garden that can sustain you. You can try container garden that you regrow kitchen scraps or seeds from oranges or lemons. I found some great youtube videos that you can preview on my
There are two other apps that you can use to build your savings to invest program and build a portfolio. Stash is a great start to investing and you can choose funds that resonate with your likes.
I like Robinhood, a free platform to select your own stocks.

Another Educational site is The Brown Working with a coach helps you avoid some of the pitfalls and a place to ask questions. Jason Brown, CEO of The Brown Report has videos that are streamed on Facebook. Great way to get inspiration on Facebook live streaming. The videos are under 5 minutes but inspirational and motivational for both newbies and seasoned traders.


With the markets in a sporadic movement daily, it is difficult to find a balance. These points make it easier to sleep at night and watch your account grow and compound. Decide on your investing goal and focus on your plan of action.

Another way to manage your investing is to look at what you like to purchase such as Nike, Macy or Apple. Compare purchasing items versus owning the stock. What you discover that items paid $250 for Nike shoes. You could invest buying 5 shares of Nike and receive more value in the long term. Such as dividend returns every quarter from Nike. Another item, buying an Apple product for $1000. That $1000 in stocks would buy you 10 shares and you would receive dividends every quarter. Investing in the stock can provide a better return and you could take the dividends to purchase the items that you would normally purchase without thinking about return on investment.
When we shift our purchasing power into what is the return instead of impulse buying. We can plan better and create a better use of our money.

Gardening can be selected by choosing annuals or perennials. Your return on investment and time can be determined if there is a dividend or instant show. Annuals are short-lived plantings that last only one season. Perennials have a long-term benefit and once established can provide more plants and come back each year.

Another step is to wait 72 hours before making a purchase. This allows us a chance to differentiate between wants and needs. This is a great way to defer gratification and spend less or decide which is a more of a priority. By developing a plan you can stick with your defined budget and not overspend. Define your criteria for selecting your stocks or your plants. What is your temperament? Do you like high earnings, showy display, or conservative and less risky. Check the history and earnings of your stocks. With plant selection, what type of plants do you like which area would they like sunny, shady area, water-intensive or drought tolerant?

The area that I really changed was on money spent on lunches at nearby eateries. When I decided to take my lunch, my eating habits became better, I had more salads, fresh fruit and my food budget decreased. Before, I would spend $250 to $350 per month on food. Just by changing my eating habits, I decreased my food spending into half per month.The money that I saved, I can earmark for paying down my credit card debt and/ or adding to my investment plan.
I started my garden from seeds and some from transplant. Now I can augment food budget by growing veggies from my garden and sharing with others my harvest.

Add to your peace of mind, control how you will spend your nickels and dimes and take charge of your investments and spending plan. Having a plan in place to prepare for changes in the financial markets no matter what the political landscape unfolds.

Happy growing, investing and planning for your future

Chari Farmer Ogogo
The Wealth Mastery Coach

The Wealth Choice

Financial FreedomThe wealth choice is a great read.  Have you ever wanted to know how someone overcame the obstacles or challenges to become a millionaire? There are several keys that self-made millionaires have: Burning Desire

willingness to stay focused
willingness to work
surround yourself with a team of like-minded
use networks to build your team
are avid readers
choose never to give up

Wealth Choice is a read that can inspire you to take your dream to the next level. Dennis Kimbro was a student of think and grow rich and interviewed many self-made millionaires.  He is a professor and author of several books. I recommend this book for the stories of the contemporary winners and heroes and sheroes.
What to study and stay focus, try out the Black Keys to Greatness. This follow some of the same tenets recommended by Dennis Kimbro.
Enroll Today in The Black Keys To Greatness!

How to think like a Millionaire by Dr. Boyce Watkins. is a must read if you want to transform your life and create a legacy of generational wealth. Building wealth is not just for us, but it is to past on to our families. We write wills, have insurance and ideas that allow one to give a blueprint of the times we lived. The succeeding generation can benefit if they have the keys to understanding what the challenges we encountered and what steps we took to overcome. Now pass the baton with knowledge and seed money.

Wishing you the best
Chari Farmer Ogogo
The wealth mastery coach
author, Be Savvy Live Wealthy

Is it possible to retire and live wealthy?


I am reaching out to those who are reaching a realization that retirement is looming ahead sooner and discovering they have too little time or resources to live their next career–retire and live wealthy. I am on a mission to share a guidepost to retire and live wealthy. It is possible.

What are you planning to do once you retire? Have you set out a plan, why do you want to retire and how can you retire? I am actively learning some new skills sets such as investing and trading in stocks, gardening and writing a blog on how investing and gardening can coexist and provide an income replacement and how food can be grown in containers and provide healthy food to augment your food budget.

I realized that I could develop 4 passive income streams to augment my retirement lifestyle: rent out rooms in my home; write an ongoing blog and share my passion about gardening and investing that might lead to a book; plan to speak about the journey that I am taking and continue to learn about investing and trading. Once I developed my plan, I begin to implement my new found wealth consciousness.

I asked several people to mentor me in the areas that I am needed assistance. I got a team together to help me on this journey to retire and live wealthy.As with any venture, there are some learning curves and false stops. The key is to keep in my mind my vision and look at my vision board regularly. Speak affirmatively and move daily my feet in the direction of my goal. Just because one door closes and it does not mean all doors are closed.

I have found that using the garden as a great metaphor for learning and inspiration. My desire to share my knowledge in a different way has to lead me to become more authentic and write from the heart. When we become clear about our mission or purpose, the roadblocks are removed and you can see clearly what was missing.

Below I am sharing one mentor that might be helpful in your journey in your desire to retire and live wealthy.
Here is the following excerpt from Dr. Boyce Watkins, The Black Business School.
Get your questions answered by your own personal finance professor. Understanding how money and wealth building work is one of the keys to the next Civil Rights movement. In far too many situations, African Americans are left trying to figure out how to achieve their economic goals in a world where it seems that the challenges are too numerous to mention. Dr. Boyce Watkins is the intellectual warrior who can help you fight your way out of the chaotic complexities of America’s capitalist landscape. Most people have a difficult time affording the cost of direct consultation from Dr. Watkins, but this course makes his expertise available to anyone who wants it. It’s very simple: You can ask any question you’d like and ask up to two questions per week. After your question is submitted, Dr. Watkins will do a video response and have the content loaded into the course for your review. So, you won’t just have access to the answer to your question, you’ll have access to the answers to all questions submitted throughout the entire week. As a member of the course, you’ll receive regular emails with updated content, as well as reminders to push you toward your personal financial objectives. It’s that simple, extremely beneficial and gives you access to your own personal finance professor! Here is the link to courses and mentors.
This course helps those who have so many ideas and may help you find focus and decide on a niche market.

Most of us have so many ideas and are often overwhelming. To be successful, it is imperative to have a coach or mentor who can guide us along our journey.
Another mentor that I have connected with is Deborah Owens, the wealth coach. She has a way of supporting you in your quest to rebuild and establish your retirement plans. I have Deborah Owens seven keys to wealth guide a wonderful resource and helped me to hone my wealthy mindset. Check out the and connect with Deborah Owens.

happy growing and investing in yourself

Chari Farmer Ogogo
Wealth Master Coach
author, Be Savvy Live Wealthy