You show me the drop and I’ll point you to the drug, the drink, the drift, the drive, the drag, the drain, the drown, the drip, or the dread. And every one of these words starts with “DR,” which is an acronym for doctor. That’s exactly what you do when writing your own prescriptions for acute internal pain caused by residual affective trauma or RAT. Unfortunately, every prescription medication has unwanted … side effects. We are dealing with the side effects of marginalized youth facing a care-inflicted, personal brokenness crisis. Dropped by “care”givers (who likely were dropped by their own parents). Dropped by “care”fulness (in trusting their own flawed judgment). Dropped by “care”lessness (while trying to ease their pain by any means necessary). As a former participant in the hurting games, outcomes have immense consequences that very few wounded players stop to consider. Retaliatory contests. Spiteful pursuits. Vindictive agendas. Never-ending battles. Out-of-control addictions.

Even when wounded players win, many of them still feel like losers. Doesn’t matter if they graduate with honors academically, make it to the pros athletically, or wear the freshest clothes aesthetically. This is especially the case when their brains are undergoing the full-court-press or rapid-fire phase of synaptic pruning taking place in the executive function area of the brain. You see, between the ages of 18 to 25 the frontal lobe* is aggressively trimming off weak or unused neural connections so that existing ones can operate at peak efficiency. Here’s the problem. Unanswered questions from childhood—notably those dealing with the caregiver drop—can (and often do) lead to detrimental effects in young adulthood when impulse control is underdeveloped and self-worth deficits are overmatched. Sports-bet gambling addictions can take root. Drinking binges, of the alcoholic kind, can become daily occurrences. Explosive tempers, going from flat to furious in a split second, can be the norm rather than the exception. Dr. Charisse Penn, a friend and foster care expert, pointed out: “The foster child might not have a scar but still likely has an open wound emotionally.” She added, “Maybe the child has moved from one foster care home to the next and didn’t have a chance for previous wounds to turn into healed scars. And when this child has enough trouble and trauma from a triggered memory, that open wound will bust wide open again.” Wow, what a powerful illustration for us to ponder before foster care youth age out of the system and fend for themselves.

In closing, I realize this last section may trigger some of you while reflecting on your relationship (or lack thereof) with your biological father or paternal surrogate. One of the biggest problems teens struggle with today, especially broken or traumatized youth, is parental abandonment. And what’s unfair but certainly understandable is this: children, without being aware of it, can project the offshoots of their father’s paternal neglect onto me. Again, it’s not something a troubled teen says or even does. It’s that look, the body language holding me accountable, really hostage, for what an LFYO participant’s father didn’t provide him or her at critical stages of development. He dropped the ball and I have to pay for it until trust is earned. Upon entering a classroom, group home, or even prison, I can sense paternal tension in the air. At worst, they initially view me as an opponent. At best, they’re willing to hold a neutral opinion of me as a referee, that is, until my Papa Boost instincts or dad duties surface. Of course, I’m their teammate; they just don’t know it yet.

Let me leave you with this heartwarming story. A black female teenager from Philadelphia is sitting to my left in a room full of over 40 attendees. My paternal pain triggered hers; she sobbed uncontrollably throughout the remainder of my presentation. I let her go. In a safe environment, crying is cathartic. As she waited in line to chat with me after my speech ended, the tears were still flowing. Anticipating my embrace, I gave her a daddy side hug. In a mumbled tone mixed with stammering cries, she shared with me: “My father has been in and out of prison. Every time I reach out to him, he gives one excuse after another on why he can’t stop by to see me. Mr. Fundy, why doesn’t my father love me?” I repeated these Papa Boost words of encouragement to her as well as every listening ear within a ten-foot radius of our conversation, “It’s going to be alright, daughter. Don’t give up. Keep moving forward.” Every child deserves a paternal blessing, even when it’s unexpected. Thank you for your consideration to help LFYO as an investment supporter.

If you grew up like me and most of the single-parent moms LFYO serves, you probably have (or once had) a dysfunctional relationship with money. But you must go back there relationally to get free here financially. To that dark place or dreary space where your economic holdups, hangups, or hiccups began. Now, take a deep breadth; this will be hard to pull off but so needed to push forward. In fact, your financial goals in the future will likely miss the mark unless you develop an upgraded mindset and newfound skillset. Right now with your monetary affairs! I get it. The subject of money can disrupt our sense of balance, which is why so many of us sidestep the conversation when we’re triggered by the topic. We shut down. We get angry. We make excuses. Whatever the reason for our deflection, nothing improves financially until we’re willing to change relationally—how we handle money or how it continues to hold us (hostage in a state of bondage). To be free, we must lead with relational health before we benefit from financial wealth.

Anecdotally, here’s what I’ve observed over my 15 years in practice as a certified financial planner: Eighty to 90 percent of lingering financial problems in adulthood can usually be traced back to unresolved issues stemming from childhood. That relational burden with ______________ [name of individual(s)] years or decades ago could very well be the underlying factor behind, really in front of, your income-squandering, debt-accumulating, or even accomplishment-obsessing crisis today. And it’s dragging you from one problem to the next—like clockwork! Check this out. That mama drama might be causing your current money trauma. That paternalistic rift might be steering your monthly economic drift. Doesn’t matter if your mother or father has since passed because the emotional scars are still present. Alright, no more hiding from our financial boogeymen. Too much is on the line, the life we desire to live and the legacy we hope to give.

I had a conversation recently with a single-parent mom regarding the power of spoken words, in particular, how a negative thought life drives (or is driven by) one’s emotive or punitive heart strife. To protect her identity, I’ll refer to her as “Serena.” In general, I will only interrupt a woman midstream in conversation for one of three reasons. Number one: She attacks, really denigrates, my character, competence, or credentials. Number two: She tries to monopolize the conversation for her individual benefit rather than our mutual gain. Number three: She drops subtle hints or obvious references that minimize her capability to break free from or move past a challenging situation. Outside of these three scenarios, the floor is all hers. (Sorry fellas, your conversational grace code is a lot more restrictive than the ladies.)

Here’s how the conversation I had with Serena went …

With every scoop of dirt removed using a shovel, the hole gets deeper and task more tougher. A better remedy? Help single-parent moms or SPMs develop financial rhythm, which can serve as their ladder superpower. Even in the midst of a difficult and daunting situation, every mom has an economic frequency or wealth cadence that’s unique to her. It’s all about the bandwidth pursued, not the bandaid applied. And that frequency can’t be harmonized or synchronized until her internal background noise is placed on mute. As embedded multitaskers with built-in sensitivity antennas, SPMs can achieve financial freedom when they learn about and lean on the answers to these five questions: What is financial rhythm? Why is it needed? How is it developed? Where should a mother start first? When does financial rhythm start to click? That’s why we need your investment support to help single-parent moms on a solo-care mission tune in to their generational wealth station. Time is of the essence, for them and their children.