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The main challenge for African and members of African Diaspora must face is to make the transition from the informal economy into the formal economy by entering the fiscal system and government’s program such as retirement and health services. The community of ethnic or informal entrepreneurs needs to better be taken into consideration in economic decisions and gain financial freedom by tackling insufficient income. The micro cosmos of this transition is to move from insufficient income to sustainable financial heritage and the macro cosmos is to make the transition from informal into formal economy.

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