Your Complete
Financial Wellness
Journey Starts Here
From your first paycheck to your lasting legacy — nine comprehensive interactive guides covering every pillar of financial wellness, built for immigrant and diaspora families navigating the American financial system.
"For Your Financial Wellness" — educating 100,000 families per year · AB Financial News · 6PM EST Daily · 571-317-8220
Nine Pillars of Financial Wellness
Each guide is a complete, interactive education module — not a brochure. Real data, real stories, real calculators. Open any guide and start building your financial future today.
The foundation of everything. Before you invest, before you build credit — you must save. Learn the Four-Tier Framework, the 50-30-20 rule, and how to make saving automatic so your future builds itself.
$1.14 trillion in U.S. credit card debt at 22.8% APR. Learn to separate good debt from bad, use the Snowball and Avalanche strategies, and execute a 90-day Financial Fast to free your cash flow permanently.
Your credit score determines your mortgage rate, apartment approval, car insurance, and even your job. Master the five FICO factors, build from zero to 760+ in 18 months, and establish your business credit identity.
Since 1957 the S&P 500 has grown 69×. Your salary grew 15×. The gap is the wealth you left on the table. Learn all 7 asset classes, stock market fundamentals, portfolio building by age, and how to make your first trade this week.
Homeownership is the most common immigrant wealth-building path. Learn step-by-step home buying, FHA vs. conventional loans, how to avoid the new car trap, real estate investing, house hacking, and REITs.
For immigrants supporting families here AND back home, life insurance is not optional — it is the foundation. Remittances stop when you are gone. Learn Term, Whole Life, and IUL — the policy that provides living AND death benefits.
Navigate the most complex system in America with confidence. Learn HMO vs. PPO vs. HDHP, the ACA marketplace subsidies, the HSA triple tax benefit, Medicare parts A–D, Medicaid, CHIP for your children, and more.
Average Social Security is $1,907/month. Most families need $4,000–$8,000/month. The gap must come from YOUR planning. Learn 401(k), IRA, Roth IRA, Social Security strategies, annuities, and how to build five retirement income streams.
Dying without a will costs immigrant families $20,000–$80,000 in probate on a $400K estate. A complete estate plan costs $2,500 and gives your family everything. Wills, trusts, power of attorney, living will, and the 90-day action plan.
Financial Wellness Self-Assessment
Ten honest questions. Five minutes. A clear picture of your strongest pillars and your most urgent priorities. Complete this today — then use it to decide which guide to open first.
Your Financial Wellness Score
Financial Wellness in America — 2025
These numbers explain why this work matters. They describe your neighbors, your community — and sometimes yourself.
The Maraki Economic Ladder™
No one skips a stage. But once you understand which stage you are in, you can accelerate your climb — and stop wondering why hard work alone is not building wealth.
- Focus on emergency fund ($1,000 first, then 3 months)
- Build credit from zero — secured card + Credit Builder Loan
- Eliminate all high-interest consumer debt
- Contribute enough for full 401(k) employer match
- Get term life insurance and basic health coverage
- Max out Roth IRA + 401(k) contributions
- Buy your first home — build equity instead of paying rent
- Invest 15% of income in diversified index funds
- Build 6-month emergency fund
- Create complete estate plan (trust + will + POA)
- Own rental property generating monthly passive income
- Build a business that creates jobs and legacy
- Investment portfolio generating $2,000+/month
- Teach your children the financial system from birth
- Give back — mentor, educate, lift your community
Jump to Any Guide
All guides open as standalone interactive HTML pages — no internet connection needed after download.
AB Financial × Maraki Finance
Financial education delivered daily to immigrant and diaspora families across the DMV area and beyond. Free resources, live workshops, one-on-one consultations.
Contact AB Financial
Abnet A. Tessema, CFEI, MBA · Financial Educator · Insurance Agent · Community Leader
Free Resources & Services
Everything below is available to the community at no cost. Your financial education should never have a price barrier.
- 📋All 9 Financial Wellness Guides — free, interactive, no sign-up
- 🎓Maraki Finance Club — live monthly ZOOM training + WhatsApp group
- 📖Financial Wellness Book — 12-chapter complete training series
- 🏠Free homebuyer education — community workshops in Northern Virginia
- 💼Business development support — MyBusinessStar.com
- 🌍Bilingual resources — English and Amharic community education
- 📞Free consultation — call 571-317-8220 to schedule