Dameon V. Russell, is the Co-Founder of The Russell Group and the Black Business Council of America, (The BBCA), he is a 25 year veteran of Real Estate, Finance, and Business Development. He has been a noted sales and productivity Trainer and Coach; he is a Branch Owner in Real Estate, Mortgage, and Insurance, and specializes in Commercial Finance. Dameon is the Project Lead for The Russell Group Project, a Small Business Development Center. He believes a lack of Financial Literacy across many Small Business sectors has led to a measurable deficiency in general business acumen and higher fail rates for Black owned Small Business ventures. The Russell Group Project is a Small Business Owner collective self-tasked with increasing the success rate of Small Business through Financial Literacy education, business training, value-added free workshops, and easy access to Commercial Finance. Additionally, Members benefit from education and training on successful marketing strategies, the application of technology in their business, social media techniques, and Business Continuation strategies to ensure the survivability of their business. Dameon Russell and The Russell Group Project are based in the greater Sacramento, California area. The BBCA is focused on the education of Black business owners; this book, Financial Literacy & Ownership is intended to enlighten, empower, and awaken the Black community. Mr. Russell spent time years ago mentoring & tutoring urban students in Oakland, CA public schools. He witnessed first-hand, and worked with many students who had deficient reading and writing skills, as well as an almost total lack of Financial Literacy. High school seniors who were just mere months away from entry into adult society unable even to write a check properly, to say nothing of actually balancing a check book or managing finances. These children, had a horribly miss-guided understanding of Ownership and no desire nor urgency to change that. Mr. Russell began every lecture, and conversation with these youth by explaining to them the value of Ownership by at first trying to define Ownership. Explaining, we don't own the homes we live in, the cars we drive, the manufacturing plants making those cars, the theaters we see movies in, nor the film companies making those movies. They simply didn't get it, nor value it. It was then Mr. Russell realized that Financial Literacy was lacking in the students, because it was lacking in the home.