Dwight Nichols (Author, Teacher, Financial Coach)

The Money Skills Financial Freedom Program

With knowledge, understanding and faith, there’s no limit to what you can accomplish in life

I grew up in a poor neighborhood In the Deep South during the 1960s. I was conditioned to think about money and life in a certain way that put limits on what I could expect to achieve financially. As a Young adult, I experience many years of ups and downs in my personal and business life, because of limited thinking and a lack of understanding of the basic principles/rules that governs finance and economics… In my late 20s I discovered a set of principles that revolutionized my thinking and changed my life Financially.

Despite growing up in a poor neighborhood, under less than favorable economic circumstances, I was able to overcome self-imposed limits, escape poverty thinking and launch a successful international consulting and investment banking business. But more importantly I Was able to break the cycle of poverty in my own life and from my family tree.

My passion is to share the lessons that I’ve learned with as many people as possible as a legacy to my family and the next generation — lessons I wish I had known when I started my own life journey.

Education

• MS, Carnegie Mellon University (Pittsburgh PA), Heinz School of Public Policy, Concentrating in Finance and Economics
• BS, Dillard University (New Orleans, LA)- Mathematics and Physics

Career Highlights

Executive Director & Founder, Urban Impact International Ministries ( A Financial Education ministry that addresses Financial and economic issues in Urban Communities)

Dallas/ Ft Worth Metro Plex, TX (September 1994 – to Present). 

A Nonprofit dedicated to providing financial leadership training, financial consulting, and teaching principles of Personal Entrepreneurship and Biblical Economics as a tool for economic empowerment … To minister to the economic and spiritual needs of urban communities and developing nations.

As a former investment banker, I have a unique understanding of Public & Corporate Finance, Financial Markets, and economic trends as they relate to financial planning and Community Economic Development.

Our goal is to partner with individuals, churches, businesses, and community leaders who share our vision to impact underserved communities by sharing Biblical principles to help families and communities overcome/escape a lifestyle of poverty and financial dependency.

As a Financial Consultant, we have been successful in building relationships with, banks, Insurance companies and other service providers who want to assist us in sharing these lifechanging principles to help individuals/ families and Christian in urban Communities and developing nations. 

Founder and CEO Destiny Institute Financial Coaching Program, (A Financial Education and Financial Mentoring program)  Mobile, Alabama (December 2009 – Present)

The Destiny Institute provides financial education courses and small business coaching programs designed to empower individuals and families to overcome a life of financial dependency, change their financial conditions and build wealth through strategic investing and business ownership.

We teach individuals how to escape the 9 to 5 mentality, where someone else controls their time and Income, to where they are in control of their own financial destiny, even as a fixed income wage earner … 

Our books/articles/videos and financial mentoring programs are designed to teach you how to exit the paycheck-to-paycheck lifestyle and build wealth… So that you are free to have a greater impact for the kingdom of God. 

We provide common sense strategies and practical principles on how to manage money, eliminate debt, increase income, break free from a life of financial dependency, and build wealth through strategic planning and business ownership… 

Investment Banker, Stephens Inc.  and Bryan Worley Investment Bankers Inc.

Little Rock Arkansas (January 1980 – January 1991). 

Was responsible for marketing debt and equity securities to banks, insurance companies, municipalities and other institutional investors and  building sales networks (Book of Business) to of public and private institutions for the purpose of raising capital for corporate and government clients. The Position required Series a 7 Security License, extensive knowledge of planning, organizational finance and administrative management, debt and equity finance, federal and state regulations, national and international economic trends, and business cycles. 

Managing Director, National Council of Contractors Association (NCCA) a Small Contractors Mentoring Program – 

NCCA, a small contractor coaching program dedicated to assisting women and minority businesses owners to organize and manage their businesses to become “bankable and bondable.” So, that they could successfully bid on local, state, and federal contracts…Houston, Texas, Little Rock, Arkansas and Jacksonville, Florida.

Blog Posts/Published Articles

Who Am I And What Was I Created to Do – https://youtu.be/s_9BAbwUsqo

Finding Financial Freedom (1995) — https://www.youtube.com/watch?v=Am-OK9MdmIE

Freedom from Financial Bondage  https://www.youtube.com/watch?v=suXtTIDxYX8&t=32s&ab_channel=debt2freedom

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