
Gen One Legacy
Making a generational impact starts with one: one person, one family, and one community. And so, the Gen One Legacy is our attempt to help first-gen tech professionals like you get your financial house in order so you can live your legacy.
Hosted by Peter Donisanu, a Private Wealth Manager, this podcast serves to simplify your journey through the often-complex world of wealth management, tailored specifically for the first-generation impact-oriented tech worker.
One person can’t change the world alone.
But one person can be the spark that lights the way, providing future generations with resources they need to align with their higher purpose so they can make a dent in the universe.
Your journey as a first-generation high earner isn’t just about accumulating wealth; it’s about creating a legacy that lasts the tests of time. A legacy that empowers your family, uplifts your community, and leaves a lasting mark on society for generations to come.
That’s why each episode of Gen One Legacy dives deep into the critical aspects of wealth creation, preservation, and legacy formation. From actionable stock options & equity comp strategies, to investing, estate planning and fostering a mindset of generational wealth, we cover it all.
Join us as we distill proven Wealth Management practices into practical and actionable insights that you can apply to your own life.
Whether you're an entrepreneur, an executive, or anywhere in between in the tech space, this podcast is your first step toward securing a prosperous future for your family and generations to come.
Subscribe to the Gen One Legacy where we’ll help you get your financial house in order so you can live your legacy.
Gen One Legacy
The Quest for a Perfect Credit Score
What does having a perfect credit score mean to you? Well, it might mean being able to show up at the dealership and buy your next car without worrying about how you will finance it.
Or, it might mean having peace of mind knowing that you can purchase your dream home because you've qualified for a relatively low-interest rate.
Either way, having a perfect credit score can open up many opportunities you may otherwise not have access to.
Now, you may be saying to yourself, "I have a good job, I pay my bills on time, what more do I need to do?"
Well, if you're planning to finance any big-ticket purchase in the next twelve months, or even apply for a new job, effectively managing your credit is essential.
That's because we're currently in an economic environment where loan approval rates are falling, and borrowing costs are rising. And so, it's crucial, now more than ever, to do the work to build up your credit profile even if you already have a solid credit score.
To be sure, according to the credit reporting agency Experian, only around one percent of Americans have been able to attain a perfect 850 credit score.
And while the goal of a perfect score may seem elusive to you, practicing good credit management habits towards that end can help give you optionality, access to better financial opportunities and potentially save you thousands of dollars in borrowing costs in this challenging credit environment.
So how do you go about maximizing your credit score in this uncertain economic environment?
What you should do is focus on the basics.
And while you may already be proficient in many of the credit management basics, taking a few moments to check your credit report to review your account profile, account summary, and payment history for potential errors can help you maximize your purchasing ability and avoid unnecessary costs in a rising rate environment.
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