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    By Karyn Cook,
    Special to the AFRO

    As April is National Financial Literacy Month, this week’s edition includes tips from finance experts in all walks of life, looking to help people improve finances and build generational wealth.

    One expert who spoke with the AFRO was Michelle Singletary, a personal finance advisor and journalist.

    A graduate of the University of Maryland at College Park and Johns Hopkins University, Singletary has been honored by the National Association of Black Journalists with the Legacy Award in 2023.

     Q: What are your top three money tips for Black children, young adults and people over 35. 

    A: One, have a budget.

    It’s so important that you understand what’s coming in and going out. A lot of people are afraid of a budget, they feel like it limits them–but it allows you to do things important to you. 

    Two, invest for your older self.

    It’s hard to do for younger people since you’re living in the present and it seems