Toni has always made bad financial decisions and that is why her career has stalled aND why she is not richer than she is. The following decisions were just dumb:
1. Leaving Arista after they gave her a 25 million contract for ghetto Black ground Records.

2. Marrying down. She marries Keri Lewis who had small net worth compared to Jason Kidd and a couple other NBA players who tried to wife her.

3. Turning down acting roles during her prime. She was offered numerous acting roles in movies that she turned down. Now she only gets TV movies.

4. Extending her Vegas show after a decent 1st year. She had a good run but there was no need for to extend. That extension combined with bad health caused her financial ruin.

5. Not getting investors for her Vegas show.

6. Not hiring better professional management all of her career.

7. Not separating herself professionally from her sisters. She should have kept her relations with family personal and not intertwined with her career.

8. She should have done what Usher did with her bad laface contract...renegotiate rather than filing bankruptcy. That bankruptcy took away 5 years of her prime when she could have soared.

9. Bad real estate purchases (Atlanta and Vegas) where she paid more than the value of the house.

10. Trying to be hip-hop when it does not work for her.