Age
14 to 18, adults
Same modules, taught differently.
Character · Life skills · Financial literacyStrive For Excellence
The Five Currents of Human Excellence
That man can have nothing but what he strives for
Most programs teach one thing. A young person can be confident and broke, or skilled and unreliable, or generous and directionless. Strive teaches the five jobs a person has to do at the same time, and it teaches them in the order that actually works.
A Waterfall Wealth Creation Strategy program.
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The five currents
Five jobs, running at once
Self
Know what you are, and hold yourself steady.
Others
Land well on the people in front of you.
Craft
Be able to do something, and know what it is worth.
Community
Build things with people, not just near them.
Legacy
Hand it forward, so it outlives you.
They run in that order on purpose. You cannot land well on other people while you are at war with yourself. You cannot sell a craft nobody trusts. You cannot build community out of people with no craft to bring. And you cannot hand forward something you never built. The order is the lesson.
Will it fit your room
Four dials, one curriculum
Length
3, 6, 9, 12 or 24 sessions
Start where your calendar allows.
Setting
school, masjid, church, workplace, workforce program, family
The room shapes the delivery, not the material.
Source
Universal, Rooted
The story behind each trait comes in two versions. You pick the one that fits your room.
- Universal. Public schools, workplaces, interfaith and community rooms. No scripture of any kind.
- Rooted. Faith-based rooms. The story told in full.
The character model is drawn from the documented character of Prophet Muhammad (peace be upon him). The traits themselves are universal and appear across many traditions and in modern research, so the program ships in two source versions and you pick the one that fits your room. The trait and the practice never change between versions. Only the story does.
The curriculum
12 modules
Every module names one trait and ends with something a participant can do. A board can check a verb. It cannot check an improved understanding of anything.
| # | Module | Current | Trait | What they can do at the end |
|---|---|---|---|---|
| 1 | Know Your Worth | Self | Truthful | Name their own values, and tell themselves the truth. |
| 2 | Aim and Commit | Self | Patient | Set a goal that survives a bad week. |
| 3 | Steady Under Pressure | Self | Grateful | Name an emotion before acting on it. |
| 4 | Say It Clean | Others | Gentle | Give hard feedback without the sting. |
| 5 | Repair, Do Not Rupture | Others | Forgiving | Make a real apology, and repair a relationship. |
| 6 | Same Standard For Everyone | Others | Just | Hold one standard when it costs them. |
| 7 | Keep What Is Entrusted | Craft | Trustworthy | Keep a promise after the feeling passes. |
| 8 | Know Your Numbers | Craft | Honest in dealing | Track money in and money out, and find the leak. |
| 9 | Make Something People Want | Craft | Courageous | Turn a skill into a priced offer, and ask for the sale. |
| 10 | Guard the Gate | Craft | Wise | Spot a scam, use AI as a tool, and control their own name online. |
| 11 | Serve Without Being Asked | Community | Generous | Run a real service project with a real budget. |
| 12 | Hand It Forward | Legacy | Excellent | Teach what they learned to somebody younger. |
One path
Five levels, not five products
- Level 1Free
The Five Currents
5 currents, and how they flow into each other.
Anyone. One talk, one workshop, or the opening of a cohort.
Delivered by Youth Today Leaders Tomorrow
- Level 2
Strive For Excellence
12 modules, 12 traits. The person.
Ages 14 and up. Any setting. 3, 6, 9, 12 or 24 sessions.
Delivered by Youth Today Leaders Tomorrow
- Level 3
The Build
Ten modules. The business.
Ages 16 and up, and adults. Three ways in.
Delivered by Wealth Builders Insurance Agency
See The Build - Level 4
The Waterfall Wealth Creation Series
Ten sessions. The money the business makes.
Adults, and ages 16 and up with a parent.
Delivered by Wealth Builders Insurance Agency
- Level 5
The Circle
Monthly. Where graduates do business with each other.
Adults in business, and graduates.
Delivered by Waterfall Wealth Consulting
A 14 year old meets the Five Currents in a single talk, comes back for the twelve modules and builds a small business inside module nine, graduates, returns at eighteen as a junior mentor, takes The Build and actually registers that business, learns what to do with the money it makes, and walks into The Circle as a member. It is one path, not five products.
Inside one session
About 90 minutes
The same shape every session, so a room knows what to expect by session two.
- Circle Up 10 min
- The Module 35 min
- The Digital Desk 10 min
- The Build 15 min
- Do It Now 15 min
- The Take-Home 5 min
That is the plan, and the order holds every session. The clock is a guide. Some sessions run longer, usually because the room is asking good questions.
We never cut Do It Now. If we are behind, we cut the talking.
At the end
What each participant walks out with
- The printed workbook
- The interactive digital workbook
- A one-page business plan
- A first ledger
- 12 trait badges, one for each module
- A certificate
- A service project with their name on it
- A copy of The Leaky Bucket
The business plan is real, and so is the ledger. By the end of The Build, each participant has spoken to a real person about a real thing. You can read The Leaky Bucket yourself before you book, free, with no call attached.
Four lengths
Sample it, or run it
Same program at every length. You are picking a size, not a different thing.
A single talk
One current taken all the way down rather than five skimmed. Questions are part of it, not a formality at the end.
Conferences, masjids, churches, employee groups, community meetings, parent evenings
A half-day workshop
The first current and the start of the second, with the worksheets, so people leave having written something down rather than having agreed that they should.
Staff development days, faith programs, community organizations, small business groups
A full cohort
Strive itself, one module at a time, with the Digital Desk and the Build running through every session.
Schools, masjids, churches, youth programs, workforce development, community organizations
Ongoing mentoring
Character, leadership and money in the same conversation, because separating them is what produces adults who can earn and cannot keep.
Through Youth Today Leaders Tomorrow. Groups only for under 18s. One to one is 18 and over.
Want to read it before you book it?
Three things, all free, none of them asking for anything. Read them and decide whether you want any of this taught in your room.
The Leaky Bucket is the whole argument, in full, with no email asked for. It scores you in your own browser and sends nothing anywhere.
Booking
Bring Strive to your room
Chaka replies within two business days with a recommendation and pricing. If your room has no budget, say so. Rooms with no budget are not turned away.
- You ask. Beside this, or by phone.
- He replies himself, with what he would suggest for that room and what it would cost.
- A short call to agree the format, the dates, and who is handling the room.
- Permission forms first if anyone is under 18, before any date is confirmed.
- Materials arrive in advance, so whoever is hosting has seen everything the room will see.
Prefer to talk? (980) 304-1500 or chaka@wealthbuilders-insurance.com. Youth enrollment runs through Youth Today Leaders Tomorrow.
Who stands in front of your young people
Approved before they are placed, and for the subject they are teaching
Youth work runs through Youth Today Leaders Tomorrow. Nobody is placed with young people on our say-so alone. There are four gates and the community is one of them.
The Board
Every mentor and guest goes to the board of the youth arm before they are placed with young people.
Leadership staff
Leadership staff approve the placement, not just the person. The same mentor is not automatically cleared for every room.
Members of the community
People from the community the mentor will serve are part of the approval. Somebody the community does not know does not teach its children.
The subject itself
A mentor is approved for what they are actually going to teach. The qualifications and the skills behind that subject are part of the approval, not a separate conversation afterwards.
What a young person is actually exposed to
These are the kinds of working life we draw mentors from, and what a young person gets to see up close. We do not print names or photographs. A room gets the mentors its subject and its schedule call for, so this is the range rather than a promise about any one cohort.
Licensed financial work
Someone who has sat with families and read a real policy, a real retirement account and a real budget, and is licensed to do it.
What they take from it: What a contract actually says, and how to read one before you sign it.
Running a business
Someone who has filed the entity, opened the account, priced the work, and made payroll or missed it.
What they take from it: That a business is a set of decisions, not a personality.
Property and the trades
Someone who has bought, fixed, financed or managed a building, and knows what it costs when it goes wrong.
What they take from it: That things are built and maintained by people, and that is a career.
Teaching and youth work
Someone whose actual skill is getting a room of young people to think, rather than to sit still.
What they take from it: That being taught well is a thing they can expect and ask for.
Grounding in the deen
Someone who can place a question in the Qur’an and the Seerah honestly, and say plainly where a question stops being theirs to answer.
What they take from it: That "I am not qualified to rule on that" is a strong answer, not a weak one.
Community service and leadership
Someone who has organized something the community needed and carried it past the first month.
What they take from it: What it takes to finish, which is the part nobody posts about.
What we will show your board on request
- The board’s own approval record for a named mentor, to the organization hosting the room.
- What a mentor is approved to teach, and what they are not.
The rules, in writing
What we will and will not do in your room
Chaka is a licensed insurance producer. That is exactly why these are printed here rather than mentioned on a call, and they hold whether you book one session or twelve.
For every audience
- Nothing is pitched from the front of the room. We teach the material and stop there. If you want help with your own situation, that is a private one to one conversation. It happens because you asked for it, not because you sat in the room.
- Chaka discloses his license and how he is paid within the first five minutes. He is not securities-licensed, not a tax professional and not an attorney, and the session says where each of those questions belongs.
- Materials are provided in advance. Whoever is hosting sees everything the room will see, a week before the room sees it.
- Adults may opt in to follow-up. Nobody is added to a list for attending. There may be a handout, and you can opt in on the day for follow-up material or the occasional email. Nobody is chased, and one reply telling us to stop ends it.
For participants under 18
- Written parent or guardian permission is required. A parent or guardian gives written permission before a young person takes part. It is your permission form or ours, whichever your organization already uses.
- Group settings only. One to one mentoring is 18 and over. Under 18 is group settings, in your room, with your staff present.
- A second approved adult from the host organization is present for every session. Never one adult and a room of young people, and never our adult alone.
- No contact details are collected from minors. We collect only what runs the session, and we do not take contact details from a young person directly. Under-18s are never added to anything.
- Every mentor and guest is approved through Youth Today Leaders Tomorrow before they are placed. Youth work runs through the arm that was set up for it. Approval is the board, leadership staff and members of the community, and it covers the subject the person is there to teach.
- No insurance or financial product is offered to any participant or family as a result of the program. Not during, not after, and not to a parent who came to collect their child.
Anything else your policy requires, ask and we will provide it.
Chaka Ali, licensed life and health insurance producer, National Producer Number (NPN) 11126989, verifiable at nipr.com. Licensed in 15 states and counting. Wealth Builders Insurance Agency is a division of A.L.I. Creative Solutions.
This program is education, not advice. Chaka is paid by carrier commission when somebody buys a policy, and commission is higher on permanent coverage than on term. That is where the bias sits, and you should weigh what he says knowing it. Nothing in this program is an offer of any insurance or financial product. Insurance guarantees are backed by the financial strength of the issuing company.