I’m Tired of Watching Hardworking Americans Lose a Game TheyWere Never Taught to Play
A Manifesto by Abdul Sene, Founder of GTAC
I didn’t start GTAC because I wanted to build another financial company. I started GTAC because I am tired. Tired of watching people work hard, do everything they were told was “right,” and still remain financially trapped. Tired of watching people get denied, overcharged, and boxed out — without ever being told why. And tired of watching a system that profits from confusion pretend that confusion is the individual’s fault. But this isn’t something I observed from the outside. I lived it.
I Faced the Same Obstacles and It Took Time to Break Free
Success Didn’t Bring the Fulfillment I Expected
I Realized My Journey Came With Responsibility
I didn’t grow up understanding the American financial system. I wasn’t taught how credit really worked. I wasn’t taught how decisions were made behind the scenes. I learned the hard way through mistakes, setbacks, persistence, and time.
There was no shortcut.
No overnight fix.
Just discipline, education, and consistency.
Eventually, I didn’t just escape the cycle.
I thrived.
When I reached financial stability when I had options, control, and success. I thought I had reached the finish line. Instead, I had an existential realization.
I looked around and saw millions of people still trapped in the same confusion I once lived in — working just as hard, often harder, with far fewer options.
And I couldn’t unsee it. I realized my success meant very little if it ended with me.
GTAC was born from that moment.
Not as a business opportunity — but as an obligation. I understood that what helped me break free wasn’t money first.
It was understanding.
And withholding that understanding — intentionally or not — has consequences far beyond finance
Financial Illiteracy and Poor Credit Are the Untold Civil Rights Issue of Our Time
Financial Illiteracy and Poor Credit Are the Untold Civil Rights Issue of Our Time
This is where my conviction is absolute. Financial illiteracy and poor credit function as a modern form of legal discrimination in the United States.
Not discrimination in theory but discrimination in practice.
Credit legally determines:
The interest rates people pay
Whether they are approved or denied
The cost of insurance
Access to housing, transportation, and opportunity
Two people can work equally hard, earn similar incomes, and live entirely different lives — purely because one understands the system and the other was never taught.
And the most troubling part?
This discrimination is legal, normalized, and rarely questioned.
We do not ask whether people were taught the rules before being judged by them. We simply enforce the outcome.
A System That Allows Discrimination Without Transparency Deserves Scrutiny
A System That Allows Discrimination Without Transparency Deserves Scrutiny
When a system:
Penalizes people financially
Limits opportunity
Prices access to basic needs
Without ensuring understanding — that is not neutral.
That is a structural failure.
And when entire communities are disproportionately impacted by this lack of education, ignoring it doesn’t make it disappear.
It just makes it acceptable.
The Silence Around This Issue Is the Problem
The Silence Around This Issue Is the Problem
We talk openly about inequality in many forms.
But we rarely talk about:
The role credit plays in shaping life outcomes
How financial illiteracy compounds across generations
How “personal responsibility” is weaponized without education
This silence allows the system to continue unchanged — and unchallenged.
GTAC exists to break that silence.
Education Is the Only Ethical Response
Education Is the Only Ethical Response
GTAC was built on a clear ethical line:
We will not promise outcomes we don’t control.
We will not sell fear or shortcuts.
We will not keep people dependent.
We will educate.
We will explain how the system works.
We will teach people how to read between the lines.
And only then — through our nonprofit Foundation — help people responsibly optimize their financial positioning.
Education first.
Understanding always.
Optimization with accountability.
This Is About Thriving — Not Survival
This Is About Thriving — Not Survival
Survival is what happens when people are confused.
Thriving is what happens when people understand the rules.
GTAC exists to help people move from being judged by a system they don’t understand — to navigating it with clarity, confidence, and dignity.
I Welcome Scrutiny — Because This Argument Can Stand on Its Own
I Welcome Scrutiny — Because This Argument Can Stand on Its Own
This isn’t rhetoric.
It’s observable.
It’s measurable.
And it’s happening every day.
I welcome journalists, financial experts, regulators, and critics to examine this argument closely.
Because transparency doesn’t weaken systems.
It improves them.