What is the Money Management Course?
You’re one financial emergency away from everything unraveling. And right now, while others are quietly learning how money actually works, you’re still operating on the same broken blueprint that keeps you stuck.
Budgeting in THREE Dimensions isn’t about getting rich—it’s about never feeling that stomach-drop panic again. Twelve sessions. Forty segments. A complete rewiring of how you think, feel, and move with money. Visual. Audio. Kinesthetic. This course doesn’t just teach you—it rebuilds you from the inside out, mentally and spiritually, so money stops controlling your life.
Here’s what waiting costs you: another month of your family watching you stress. Another year of debt stealing your options. Another decade of watching people with less talent but better money skills lap you. While you’re hesitating, someone else is two sessions deep, already understanding credit building, debt elimination, investing terminology, and basic strategies that create actual security—not just wishful thinking.
The people who act now? They’re the ones who stop worrying about money. And when life inevitably throws a curveball, they don’t spiral—they have the skills and tools to handle it in days, not months. They protect their families. They sleep better. They stop bleeding opportunities.
The gap between you and financial peace isn’t knowledge. It’s a decision. Every day you wait, that gap widens. Your family is counting on you to be the one who finally breaks the cycle. This is how you do it. Quietly. Completely. Now.
Why Did We Create This?
You already know something’s off. The rules changed while we weren’t looking, and now the old playbook—work hard, save a little, hope it works out—doesn’t hold. You’re not imagining it. The economy shifted into a new gear, and most people are still coasting in neutral, wondering why they can’t keep up. If you don’t adjust now, the gap widens. The American Dream doesn’t wait—it moves on without you.
And here’s the quiet truth nobody says out loud: money isn’t logical. It’s counterintuitive. The harder you grip it, the faster it slips. The 10-10-80 rule (10% to giving, 10% to yourself, 80% to living) works—but only if you have the discipline to make it automatic. That’s where most people stall.
Budgeting is the breaking point for so many. Marriages fracture over it. Frustration builds when the plan doesn’t match reality—and it never does, 99.9% of the time. You’ve felt that tension. The guilt when the budget falls apart by week two. The shame of starting over again.
Budgeting in THREE Dimensions was built specifically for that moment—for people tired of failing at something that should work. This isn’t another spreadsheet. It’s a philosophy and a tool designed to make you GOOD at this, then GREAT, then a MASTER. Because budgeting isn’t just the foundation—it’s the entire structure of financial success. And you deserve a system that finally works the way you do.
This was written for you. Not hypothetically. Actually you.
About Robert Newkirk
Robert Franklin Newkirk Jr. understood something early that most spend lifetimes missing: the finest education teaches you how to think, but rarely what matters. MIT for engineering. USC for systems. The Air Force for discipline. Northrop Grumman for precision.
Yet the real work began when he dismantled what he’d been taught and rebuilt it into something that actually worked—not just for balance sheets, but for lives. In 2006, he founded Jwahir Enterprises to give high school students what universities rarely offer: a clear path into aerospace careers through The Jwahir Aerospace Flight Academy. But his sharpest lesson came at General Electric under Jack Welch, where a single decision—selling stock purchased during the ’87 bear market—cost him more than money. It cost him clarity.
Mentors from his Air Force years helped him rebuild, and in that rebuilding, he created something no institution had: Budgeting in THREE Dimensions, a philosophy so effective that MIT invited him back to teach it to their own sophomores.
This isn’t theory packaged as transformation. It’s a system born from high-stakes mistakes and refined through decades of application—aerospace precision applied to personal finance. Newkirk has since shared this framework as a guest speaker for the NCAA Division I Volleyball Final Four, moderated Black History and MLK programs for the Air Force and Intelligence Community, and lectured across universities while serving on the MIT Educational Council. He is a founding member of the MIT, Harvard, and Tufts chapter of Alpha Phi Alpha Fraternity Inc. and sits with the Organization of Black Aerospace Professionals. His extracurriculars—chess, racquetball, swimming, weightlifting, Tai Chi—reveal the pattern: strategy, endurance, discipline.
The Budgeting in THREE Dimensions Money Management Course isn’t for everyone. It’s for people who recognize that financial mastery isn’t about working harder. It’s about thinking differently. And that shift? It doesn’t announce itself. It simply separates those who understand from those who don’t.
Testimonials
Thank You List
I would like to thank the following people who either directly or indirectly had a major impact in helping me formulate my ideas and thoughts to putting this Online Money Management Course together. Words can not express how much I really appreciate them and their contributions.
1) Dr. Dennis P. Kimbro – For being a mentor and a friend who believed in me and for some reason is wowed by my ability to make concepts “real” for the students. In my view, he is the best motivational speaker out there and I am glad to know him and break bread with him to talk about new ideas
2) Dallas Allbritton, Barry Scott- For all your tireless efforts with the video productions to make this project a reality. Thanks for putting up with my peculiar ways and expectations and somehow finding a way to satisfy all the requirements. You were the right fit at the right time as God chose you for this effort.
3) Terry Silberstein, Shay Michael, Rocky Vy, Nasser Halabi, Arie Silverman (of The Art of Online Marketing Inc.) – For all your works in bringing the website for the online management course to life and making it an easy access tool for people to come and change their financial situation. Also for converting my Budget Cubed spreadsheet into an app that everyone can have access to that will revolutionize their budgeting process. Thank you for your partnership and friendship over the years with all my previous projects and website requirements.
4) Lori Lincoln, Kimberly Kim- For all your hard work in editing, illustrating, and publishing all of my book projects including Budgeting in THREE Dimensions: An In-Depth Philosophy To Becoming Debt-Free and Achieving Financial Security. Your help in using your talents and creativity have been unsurpassed and I could not have done this without you.
5) Keith Cunningham – Thank you for your invaluable support of information and knowledge achieved at your “Keys to the Vault” course set. Thank you for lending me the “skills and the tools” necessary to make my venture a complete success.
6) Teri Howe, Sabine Sladek – Thank you for being my “Accountability Partners” for so long giving me invaluable advice on professional, social, and personal matters. Our weekly conference calls helped me build the confidence to move forward with this project overcoming any hesitations. Your support has been invaluable.
7) Wayne Eddington, Walter Small – For being my first mentors when it came to financial and legal matters and making me initially aware of the benefits of investing. Your insight also helped me effectively navigate my way through my military career before, during, and after. Thanks for your friendship and support during some of my most critical career moments.
8) My Parents, My Sister – For standing and supporting me during my highest of highs and my lowest of lows over the years. For putting up with me as I pursued my entrepreneurial spirit even when it looked like it would not amount to anything and even when it reached a level that you may not have necessarily understood. I love you and appreciate you.
9) My Daughters – For being my avid students of the course and help me refine it so that it will be easy to access and understand by students to come. Also thank you for being the kind of success that I can brag about and use as examples in the course production. I love you and continue to prove that the Budget in Three Dimensions will work for anyone who is willing to adopt the concept.
10) Maforikan Owolabi, Baran Mensah & the MIT Chocolate City crew for your exemplary marketing tactics for my author website and YouTube channel bringing it great success.
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