A True Leader! - Dr. India White

India White • July 28, 2021

With even just a cursory glance through the annals of history, one finds the importance of individuals in human society and progress. The way history is taught today, although flawed in many ways, does well in highlighting the importance of great people in the pursuit of noble goals. The likes of Tubman, MLK, Gandhi, and Stanton light up the darkest moments in history with their incredible acts of humanity and peace. They were leaders, in the truest sense of the word, guiding the masses through sheer force of will alone and brought about unprecedented change for those who supported them and, more importantly, those who didn’t.

But wait, you may be asking, there are many people we consider leaders today who are not as noble, and yet, they’re successful anyways -- what gives? And yes, that’s a valid point but also, a sad reality. You see, there are many types of leaders, but generally, they boil down to two: those who succeed for themselves at the cost of others and those who succeed for others at the cost of themselves. The former is known as a boss, and is typically focused only on results. The latter is known as servant leadership, and it is the most human form of leadership we have witnessed.

First coined in his 1970 essay, “servant leadership” is the phrase used by Robert Greenleaf to describe a leadership philosophy that places emphasis on individuals. While traditional leadership values the betterment of the whole, servant leadership takes that extra step to better the individual for the whole.

Within the context of a company, a servant leader cares for the development and well-being of his or her employees. Whether that’s giving them opportunities to grow or providing them better health insurance. There are many ways to care for the well-being of employees, but the end goal is for them to grow. If your employees grow, your company will naturally follow suit. If you rapidly expand your company first, your employees will have to stretch unnaturally and grow quickly to fill in. You can always hire more people, sure, but consider the wasted capital and potential that your original employees could’ve used.

There are so many benefits to incorporating servant leadership into your business. Not only does employee growth help them accomplish more things, it also allows them to serve others in return, creating a positive cycle of service and performance. When leaders serve others before themselves, their employees (or followers) are more likely to remain loyal. This valuable loyalty is not one that can simply be bought with money, but rather one earned through genuine human connection. These loyal employees will not fear their leader. As a result, they are not afraid to make their own decisions, they aren’t scared to take risks for the benefit of the company. They can perform at their best without the fear of being judged or punished if their best doesn’t match what the boss had in mind. If every employee in your company is then performing at their best, your company will certainly be at its best as well. And the better the company gets, the more people want to join and the more your original employees want to stay, leading to a natural growth of your company, driven by the awesome people within it. When you put others before yourself, you will find respect and friendship in front of you. Servant leaders make companions, whereas bosses make slaves.

Major companies like Starbucks, Nordstrom, and Marriott have servant leaders at the executive level, and their well-deserved successes are testaments to the strength and integrity of servant leadership. If you want to pursue this life, if you want to become a true leader for others, try reading Leaders Eat Last by Simon Sinek, and always remember to serve others before yourself -- a path of greatness will then await you.

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It's TIme to Reinvent Yourself! Dr. India White

By India White • August 14, 2025

For Families Wanting Life Insurance

By India White • August 14, 2025

For Families Considering Life Insurance Why families consider coverage Life insurance replaces income, pays off debt, and covers major expenses if a breadwinner passes away. It’s not just for parents—anyone with people who rely on them (or with co-signed debts) should consider it. My Recommended Type Term Life: Coverage for a set period (10, 20, 30 years). Typically the most coverage for the lowest cost. Great for income replacement during child-raising and mortgage years. Many families start with term life for immediate income protection,. So, How much coverage do we need? Common starting points (not advice, just general guidelines): 10–12× annual income for primary earners Add major debts (mortgage, loans) Add future goals (college support, childcare) Subtract existing coverage/savings A licensed agent can run a needs analysis customized to your budget and priorities. What affects your price? Age and health (younger/healthier = lower cost) Coverage amount & term length Tobacco use, driving record, hobbies, medications Policy riders (see below) Popular riders (optional add-ons) Accelerated Death Benefit: Access part of the benefit in certain serious illnesses. Waiver of Premium: Premiums waived if you become disabled (qualifying definitions apply). Child Rider: Low-cost coverage for children, sometimes convertible later. What to prepare for a quote Birth dates, basic medical history, medications Income, debts, current policies Beneficiary names and relationships Budget range you’re comfortable with monthly The application & underwriting process (what to expect) Needs analysis "te options (10–30 minutes). Application (online or paper). Underwriting: May include health questions, records, and occasionally a quick exam. Decision & policy delivery: Review, sign, and store digitally + physically. Annual check-in: Update beneficiaries, coverage fit, and affordability. Common pitfalls to avoid Waiting too long: Prices generally rise as you age. Underinsuring: Choosing a number that won’t truly cover income and debts. Overinsuring: Stretching beyond your budget and risking a lapse. “Set and forget”: Revisit coverage after major life changes (marriage, home, baby, new job). Quick Q&A Do stay-at-home parents need coverage? Usually yes—consider the cost to replace childcare and household management. What if we have life insurance at work? Great start, but it’s often not portable and may be too small. Many families add their own policy. If you'd like to explore more information, click on the link here: More Info Connect with me: https://therealhowmoneyworks.com/us/drindiawhite?ispreview=true

A Practical Path to Part-Time Income Through Financial Education—Plus a Guide to Getting Your Family Covered

By India White • August 14, 2025

A Practical Path to Part-Time Income Through Financial Education—Plus a Guide to Getting Your Family Covered If you’re a teacher, school staff member, or busy parent looking for a values-aligned way to earn extra income, financial education can be a natural fit. One path is the role of a licensed life insurance agent—a part-time professional who helps families protect income, pay off debt, and build a basic financial safety net. This article has two parts: a clear look at the part-time agent opportunity (without naming any particular company), and a client guide to choosing life insurance for your family. Part 1: For Teachers & Families Exploring a Part-Time Agent Role What a life insurance agent actually does Educates families about risk protection, budgeting, debt payoff, and basic savings strategies. Assesses needs (income, dependents, debts, goals) and recommends suitable coverage, not one-size-fits-all. Guides applications and supports clients through underwriting and policy delivery. Provides service after the sale—beneficiary updates, coverage reviews, and life-event check-ins. Why this can fit educators and busy parents Flexible hours: Appointments can be evenings/weekends. Transferable skills: Listening, teaching, and explaining complex ideas simply. Mission-aligned: You’re already invested in families’ futures—this expands the support you can offer. What you’ll need to get started (U.S. overview) State license: Pre-licensing education, an exam, fingerprints/background check. Appointment with an insurer or agency: So you can offer approved products. Compliance training: Learn suitability rules, disclosures, and ethical standards. Mentorship & field training: Practice needs analyses and recommendation delivery. Tip: Avoid any platform that pressures you to “sell first, learn later” or makes income promises. Choose training that emphasizes education, compliance, and long-term client care. Time structure for a realistic part-time start (sample) 2–3 hrs/wk: Training (product, compliance, role-play). 2–4 hrs/wk: Client outreach and appointments (e.g., two 60–90 min sessions). 1 hr/wk: Follow-ups, paperwork, and service. Start small, then scale your calendar once your processes feel smooth. Ethics & guardrails (non-negotiables) Recommend coverage that fits the client’s budget and goals—never “sell to the max.” Disclose how you’re paid. Document needs, alternatives considered, and client decisions. Respect “not now” as an answer; offer a later review instead of pressure. Simple outreach language (use and adapt) Warm intro: “Hey [Name], I’m doing part-time financial education now—helping families set up affordable income protection and a plan for debt/savings. If it’s helpful, I can do a free 20-minute review and show options—no pressure at all.” Value close: “Whether you act now or later, you’ll walk away with a clear number for how much coverage your family would actually need.” Getting started checklist Identify your state’s licensing steps and fees. Choose an agency that offers mentorship, compliance support, and ongoing education. Create a simple “Financial Snapshot” form (income, debts, dependents, goals). Set office hours (even if it’s two evenings a week). Track all activity with a CRM or spreadsheet—consistency beats intensity. If this sounds like an opporutnity that interests you, click on the link below and let's scheudule a time to talk. Part Time Opportunity Link