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February 29, 2020

The Rise of X

CXC. What do these letters represent? These are the initials of my new name. Some of you may wonder why I changed my name. Well, it’s a long story that begins on the day of my birth.

I was originally named Charles Craig Cecilio on June 18, 1973. My Mom wanted to call me Craig. She had to get my Dad’s permission, however, who wanted me named Charles after him. She conceded but has called me by my middle name ever since.

Life was not easy with everyone calling you by a different name and having to re-correct everyone after you signed up for a new sport or group.

Since 9/11, anytime my name was not spelled correctly, I was pulled aside and had to go through a full-body search. I even missed a flight from SD to SF because of this once!

I finally began working on a solution a couple of years ago when my wife and I began trying for a 3rd child. We were hoping for a boy, so we decided to use a scientific approach. Oh boy, what a mistake (no pun here). We went through hell for 2 years trying!

We finally decided to go back to natural methods, and we were blessed with a healthy baby girl. I couldn’t be happier to have welcomed Caprice Bella Cecilio into our family on 02.02.2020.

During the process of trying for a boy, however, we came across names we liked. Xander stuck. So, I decided to drop Charles, make Craig my first name, and take Xander as my new middle name. After Caprice was born, I filed my paperwork and I became CXC (Craig Xander Cecilio) on 02.18.2020.

The initial X represents more than just a name. It also represents my generation – Generation X. As a Gen Xer, I am part of the forgotten generation. Everyone talks about Baby Boomers, Millennials, and Generation Z. But what about us? We are entering our prime years. Per Wikipedia, Gen Xers, which fall between Baby Boomers and Millennials, number around 50 million. Members of this group are approaching the middle of their working careers and potential peak-earning years. “The generation is on track to become the first generation to be worse off in terms of being prepared for retirement than their parents,” according to JP Morgan Asset Management. This really resonates with me.

Generation Xers have lived through quite a bit. Per this article, Gen X Will Not Go Quietly, by Amber Fraley:

We lived through the era of Reagan and the fear of the Cold War. We saw the wall come down and we supported our LGBT friends until eventually, we helped to vote for the passage of marriage equality. We came of age in the era of androgyny (the precursor to gender-neutral), and AIDS, back when the president of the United States understood Russia was not, and could likely never be, an ally. We are now at the age we have seen most of this bullshit before, so you’re not going to fool us easily. Gen X may be a small generation that’s stretched too thin right now as we look after our kids and our parents, but that just makes us all the more wary and skeptical.”

I am on a mission to bridge the wealth gap which has directly impacted my generation. That’s why I founded DiversyFund in 2016. At DiversyFund, we have created a platform where you can invest like the wealthiest 1% in our country for as little as $500.

You can say that my generation has been short changed, but we are resilient. We will come back. We are not going anywhere, and we will do it our way!

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