From Zero to Legacy: The First-Gen Family Guide to Building Generational Wealth
If no one in your family has ever talked about investing, estate planning, or generational wealth — this guide was written for you.
From Zero to Legacy is a plain-English roadmap for first-generation Black and Latino families who are ready to stop surviving and start building. Whether you're starting with $50 a month or finally ready to get your finances in order, this free guide gives you a step-by-step foundation you can act on today.
WHAT'S INSIDE (6 Chapters + 15 FAQs):
✅ Chapter 1 — The Generational Wealth Mindset: Why first-gen families have to think differently about money — and how to make the shift from survival mode to legacy mode.
✅ Chapter 2 — Fix the Foundation: How to build and use credit as a strategic wealth tool, not just a borrowing instrument. Includes a step-by-step credit-building plan.
✅ Chapter 3 — From Saving to Building: The difference between saving and investing — and how to start making your money work while you sleep, even on a modest income.
✅ Chapter 4 — Investing Your Legacy: Index funds, ETFs, and real estate simplified. Includes top funds for beginners and a three-stage real estate roadmap.
✅ Chapter 5 — Protect What You Build: Life insurance and the estate planning basics nobody taught you — wills, beneficiary designations, power of attorney, and how to avoid probate.
✅ Chapter 6 — Pass It On: How to have the money conversation with your family, teach your kids wealth habits, and launch your legacy plan in 30 days.
PLUS: A 30-Day Legacy Launch Plan and answers to the 15 most common questions about generational wealth, credit, investing, life insurance, and estate planning.
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Written by Darnell Frazier, RFC®, CPRS™, CCFC, CFEI®
Founder & CEO, Empowering Your Finance
"Let's Grow Financially Together."