Tubb Ramos

Clean your heart. What weighs on it will weigh you down.

Keep building even when results are slow to show.

I don’t listen to negative things about Black Men because when we do positive things NO ONE CARES You can’t IGNORE our GOOD while highlighting our BAD. That’s misrepresentation & narrative warfare.

Stay patient with results and aggressive with discipline.

If you die without a plan...   - The government takes 40% in tax - Probate court costs $100k+ - Your kids get the scraps   If you love your family, here's every document you need to protect them:   (from a CPA & father of two) 1) Emergency Access List   This should include:   -> All bank account numbers -> Investment account logins -> Life insurance policies -> 401k/IRA beneficiaries -> Safe deposit box location -> Password manager master code   Keep a digital & physical version for safety...   And make sure your spouse has access. 2) Legal Documents   -> Will (name guardians for kids) -> Durable Power of Attorney -> Healthcare Power of Attorney -> Living Will/Healthcare Directive   Setting all of this up costs about $500...   ($1,500 with an attorney)   But without them, the state decides everything. 3) Money Protection   Your family will need time to mourn.   Make sure they can do it without going broke:   -> Term life insurance (10x income) -> Emergency fund (6-12 mo in a HYSA) -> Retirement accounts with spouse access 4) The "First 48 Hours" Sheet   Write down clear instructions for your family:   Call this attorney: [Name/Number] Call this CPA: [Name/Number] File life insurance claim here: [Details] Don't touch investments for 6 months All bills are on autopay from [Account]   Grief destroys decision making.   This protects them. 5) Business Owner Addition   If you have a business, set up:   -> Buy sell agreements -> Key person insurance -> Business succession plan -> Separate LLC owned by trust   If your company can't survive without you...   It's a 9-5 with extra steps. 6) Trust Setup   A proper trust can save your family $400k+ in probate costs.   But 90% of them are set up wrong:   -> Assets never get transferred in -> Beneficiaries aren't updated -> Pour-over will is missing   Here's how to fix that: "Bulletproof" Trust System:   1) Revocable Living Trust -> Avoids probate completely -> Keeps finances private -> Protects kids' inheritance   2) Pour-Over Will -> Catches forgotten assets   3) Guardian Designation -> Who raises your kids -> How they get paid Setting this up takes a weekend...   But ignoring it could cost your family everything.   So start before you're ready...   Because no one plans on dying.    Hope this helps!   Share with your spouse if you want to set this up...   And follow me for more 🤝🏻

The friendships that last the longest will be the ones where yall never needed each other