Total Life Prosperity, LLC launched the “No Excuse Zone” series to initiate a paradigm shift that will change behaviors. Financial Empowerment 101 will take the reader through the “5 stages of change” beginning with pre-contemplation (no thought of change whatsoever) and ending with a plan to maintain new behaviors. You will be given the tools to establish a habit of budgeting before spending. Delayed gratification can become a way of life. Retirement can become a realistic goal. You will have to the power to transform yourself into a prudent investor well on your way to wealth accumulation for you and future generations.