It has been predicted (based on current financial data) that by the year 2053, the median income for Black Americans will be zero. This means that half of Black Americans will own nothing. Building generational wealth is how to ensure that you and your family are protected from poverty. Our financial empowerment will only become a realty when we become sellers rather than buyers, producers rather than consumers and owners versus renters. This book lays out the mindset, financial knowledge and skills Black Americans must acquire to build long lasting wealth. This book teaches you to always live below your means; how to budget and stick to it; how to maintain a high credit score; how to Invest as a group; how to buy a home and invest in real estate; how to invest in the stock market; how to pay yourself first; why you must spend your money at businesses that reflect your values and hire your children; how to support and encourage entrepreneurship with family and friends; black church investing; how to protect and grow your wealth; and the benefits of giving back to your community. The author David W. Fontaine owned and operated an Allstate Insurance Agency that generated over 50 million dollars in revenue. He has over 30 years of financial, management, business investment, public policy and political consulting experience. He served on the Board of Directors for the Redevelopment and Revenue Sharing Commission, the Sacramento Black Chamber of Commerce and the Allstate Insurance Foundation. He holds a Bachelor of Arts in Economics from Gonzaga University and studied at McGeorge School of Law.