1 00:00:05,080 --> 00:00:06,640 Speaker 1: Welcome to Money Making Conversations. 2 00:00:06,720 --> 00:00:08,520 Speaker 2: It's the show that she is the secrets of success 3 00:00:08,560 --> 00:00:12,080 Speaker 2: experience firsthand by Marketing and Brandon expert Rashan McDonald. I 4 00:00:12,119 --> 00:00:14,480 Speaker 2: will know he's giving me advice on many occasions. And 5 00:00:14,520 --> 00:00:17,520 Speaker 2: in case you didn't notice, I'm not broke. You know 6 00:00:17,600 --> 00:00:21,320 Speaker 2: he'll be interviewing celebrity CEOs, entrepreneurs and industry decision make 7 00:00:21,360 --> 00:00:23,239 Speaker 2: because it's what he likes to do, it's what he 8 00:00:23,360 --> 00:00:26,000 Speaker 2: likes to share. Now it's time to hear from my man, 9 00:00:26,520 --> 00:00:28,800 Speaker 2: Rashaan McDonald money Making Conversations. 10 00:00:29,040 --> 00:00:29,600 Speaker 1: Here we go. 11 00:00:30,520 --> 00:00:34,320 Speaker 3: Welcome, Welcome, Welcome, Welcome to Money Making Conversation Masterclass. I 12 00:00:34,400 --> 00:00:37,559 Speaker 3: am your host, Rashawan McDonald, and our theme, as always 13 00:00:37,680 --> 00:00:40,839 Speaker 3: is there's no perfect time to start following your dreams. 14 00:00:40,960 --> 00:00:44,599 Speaker 3: Or you'll set goals, hitting that direction and make sure 15 00:00:44,640 --> 00:00:47,200 Speaker 3: you understand what you're trying to do with that dream. 16 00:00:47,400 --> 00:00:50,000 Speaker 3: I recognize that we all have different definitions of success. 17 00:00:50,080 --> 00:00:51,839 Speaker 3: I say that all the time. For you, it may 18 00:00:51,880 --> 00:00:54,400 Speaker 3: be the side of your paycheck. Mine is inspiring you 19 00:00:54,440 --> 00:00:56,840 Speaker 3: to accomplish your goals and live your very best life. 20 00:00:56,880 --> 00:00:59,400 Speaker 3: That's why I invite people on the show. That's why 21 00:00:59,440 --> 00:01:01,360 Speaker 3: I try to get break out and just talk about 22 00:01:01,440 --> 00:01:03,720 Speaker 3: different things that will make you successful of providing you 23 00:01:03,760 --> 00:01:06,760 Speaker 3: with information, because it's time to stop reading other people's 24 00:01:06,760 --> 00:01:10,119 Speaker 3: success stories and start writing or living your own. People 25 00:01:10,160 --> 00:01:12,440 Speaker 3: always talking about their purpose or gifts. That's really big 26 00:01:12,480 --> 00:01:14,800 Speaker 3: on social media. Everybody's talking about a purpose. Follow your 27 00:01:14,800 --> 00:01:17,520 Speaker 3: gifts or all this gift. If you have a gift, 28 00:01:17,640 --> 00:01:19,919 Speaker 3: lead with your gift, and they'll let your friend's family 29 00:01:19,959 --> 00:01:22,440 Speaker 3: or coworker stop you from planning or living your dreams. 30 00:01:22,760 --> 00:01:24,920 Speaker 3: If you're ready, I'm ready. Let's get money making Conversation 31 00:01:25,040 --> 00:01:29,360 Speaker 3: Masterclass started. It's National home Ownership Monk and we're living 32 00:01:29,440 --> 00:01:31,680 Speaker 3: in an interesting economy where a lot of people are 33 00:01:31,720 --> 00:01:34,360 Speaker 3: unsure about real estate. That is why I have my 34 00:01:34,400 --> 00:01:37,680 Speaker 3: guests on the show today what we should know about 35 00:01:37,680 --> 00:01:40,520 Speaker 3: real estate and paying attention on how to prepare us 36 00:01:40,520 --> 00:01:43,560 Speaker 3: for buying homes in this season. Let me introduce you 37 00:01:43,600 --> 00:01:46,720 Speaker 3: to my guests. Her name is Tanya Blanchet. She found 38 00:01:46,760 --> 00:01:50,440 Speaker 3: it Madison Chase Capital Advisors, a mortgage broken's firm with 39 00:01:50,560 --> 00:01:53,560 Speaker 3: affordable closing costs, and she has tips on up in 40 00:01:53,600 --> 00:01:56,960 Speaker 3: the value of your home before selling it. Now I 41 00:01:57,000 --> 00:01:59,160 Speaker 3: know that's usually tied to a real estate person. But 42 00:01:59,200 --> 00:02:03,320 Speaker 3: guess what's she's three sixty sit down talk, Tanya. She's 43 00:02:03,320 --> 00:02:06,800 Speaker 3: gonna let you know what's going on her firm. Officer's 44 00:02:06,840 --> 00:02:13,000 Speaker 3: home equity loans, residential mortgages, VA loans, residential mortgages online 45 00:02:13,280 --> 00:02:16,400 Speaker 3: VHA and jumbo loans and more loans. That were going 46 00:02:16,440 --> 00:02:18,560 Speaker 3: to talk about that on the call. But more importantly, 47 00:02:19,240 --> 00:02:22,920 Speaker 3: she is this program because six Months to six figures 48 00:02:23,440 --> 00:02:26,760 Speaker 3: a Loan Officer's Guide to a Profitable Business, which provides 49 00:02:26,800 --> 00:02:31,239 Speaker 3: a thirty day jumpstart program complete with instructional guided videos 50 00:02:31,360 --> 00:02:35,120 Speaker 3: and end their companion workbook and a valuable resource guide. 51 00:02:35,480 --> 00:02:37,720 Speaker 3: It's all about money talking about real estate. Were talking 52 00:02:37,720 --> 00:02:40,280 Speaker 3: about Loan Officer's Guide to a Profitle Business. Please work 53 00:02:40,320 --> 00:02:43,120 Speaker 3: with the Money Making Conversations Masterclass, Tanya Blanchet. 54 00:02:43,160 --> 00:02:43,959 Speaker 1: How are you doing, Tanya? 55 00:02:44,520 --> 00:02:45,480 Speaker 4: Pleasure to be here? 56 00:02:45,840 --> 00:02:48,000 Speaker 3: Good, good, good? Did I say too much that extend 57 00:02:48,000 --> 00:02:49,840 Speaker 3: over extend my credit on you? 58 00:02:50,320 --> 00:02:53,840 Speaker 4: Everything was lined up, just right, lined up, just perfect. 59 00:02:53,919 --> 00:02:56,640 Speaker 1: We're good, We're good. You know, you know, you know, 60 00:02:56,880 --> 00:02:57,840 Speaker 1: it was like a couple. 61 00:02:58,000 --> 00:03:00,480 Speaker 3: My brother lives in the DC area and think about 62 00:03:00,880 --> 00:03:05,760 Speaker 3: twenty twenty one, he sold his house and it will 63 00:03:05,800 --> 00:03:07,960 Speaker 3: people up lined around the block to buy his house. 64 00:03:08,000 --> 00:03:10,720 Speaker 3: I mean, I think his house was valued that he 65 00:03:10,760 --> 00:03:12,560 Speaker 3: put it on the market for seven hundred thousand. They 66 00:03:12,560 --> 00:03:15,440 Speaker 3: wound up selling for like nine hundred and fifty thousand. 67 00:03:15,480 --> 00:03:17,960 Speaker 3: He didn't even ask for that price. It was just 68 00:03:18,000 --> 00:03:21,640 Speaker 3: the competition of people lining up wanting to buy the home, 69 00:03:21,960 --> 00:03:24,840 Speaker 3: and that's why that price wind up Like that? Is 70 00:03:24,919 --> 00:03:27,280 Speaker 3: that still going on now? People still lining up to 71 00:03:27,280 --> 00:03:28,040 Speaker 3: buy homes like. 72 00:03:28,000 --> 00:03:31,679 Speaker 4: That, They're not lining up to buy homes, but supplying 73 00:03:31,720 --> 00:03:34,960 Speaker 4: the man is still a factor. We don't have a 74 00:03:35,000 --> 00:03:39,960 Speaker 4: lot of supplies. So now we're definitely back into a multi, 75 00:03:40,280 --> 00:03:44,320 Speaker 4: multi offer situation. So it's not it's not as intense 76 00:03:44,520 --> 00:03:48,720 Speaker 4: as last you know, your brother in DC, or even 77 00:03:48,840 --> 00:03:52,920 Speaker 4: last year, last year before rates psych. It definitely has 78 00:03:53,000 --> 00:03:58,920 Speaker 4: calmed down and it's definitely multiple offers though still multiple offers, 79 00:03:58,920 --> 00:04:01,960 Speaker 4: but not as crazy as it was last year, with 80 00:04:02,080 --> 00:04:06,440 Speaker 4: no appraisal contingency, no financial contingency, you know, everybody just 81 00:04:06,480 --> 00:04:09,360 Speaker 4: doing anything to get to get a house. It's calmed 82 00:04:09,400 --> 00:04:10,560 Speaker 4: down a little bit since then. 83 00:04:10,800 --> 00:04:11,040 Speaker 1: Cool. 84 00:04:11,080 --> 00:04:13,360 Speaker 3: So I was just talking to the general public here, 85 00:04:13,400 --> 00:04:15,520 Speaker 3: So the people out there who are interested in selling 86 00:04:15,560 --> 00:04:18,039 Speaker 3: their home. You're saying it's still a good market to 87 00:04:18,080 --> 00:04:18,640 Speaker 3: go out into. 88 00:04:18,760 --> 00:04:22,479 Speaker 4: It absolutely, it's it's absolutely it's still a good market 89 00:04:22,520 --> 00:04:25,920 Speaker 4: to go out into. And there's still multiple offers and 90 00:04:26,040 --> 00:04:30,160 Speaker 4: quit clothing, so it's definitely it's it's a great market 91 00:04:30,680 --> 00:04:33,360 Speaker 4: to sell, and it's a great market to buy. If 92 00:04:33,360 --> 00:04:35,880 Speaker 4: you're ready to buy, in your position to buy, you 93 00:04:35,920 --> 00:04:38,640 Speaker 4: don't want interest rates to stop you from purchasing a home. 94 00:04:38,839 --> 00:04:41,080 Speaker 3: Let me ask you this now you a mortgage brokerage 95 00:04:41,120 --> 00:04:43,560 Speaker 3: firm that you started, the president you found in Madison 96 00:04:43,640 --> 00:04:46,640 Speaker 3: Chase Capital Advisors. Just just questions I always likely to 97 00:04:46,640 --> 00:04:49,640 Speaker 3: ask out of curiosity. Is there a bit a good year, 98 00:04:49,760 --> 00:04:51,719 Speaker 3: a good time of the year to put your home 99 00:04:51,800 --> 00:04:54,720 Speaker 3: on sale? Like is it summer better or fall better? 100 00:04:54,800 --> 00:04:56,840 Speaker 3: Or spring better? Is there a set time of the 101 00:04:56,920 --> 00:04:58,880 Speaker 3: year just put your house on sale when it's available 102 00:04:58,920 --> 00:05:00,440 Speaker 3: to be put on sale? What are your thoughts? 103 00:05:00,920 --> 00:05:04,320 Speaker 4: Well, I think life happens, So when life happens, you've 104 00:05:04,360 --> 00:05:06,599 Speaker 4: got to move accordingly. But if you said to me, 105 00:05:07,120 --> 00:05:09,680 Speaker 4: your question is, Tianya, what's the best time to put 106 00:05:09,680 --> 00:05:12,400 Speaker 4: the house on the market? Now? Is the time when 107 00:05:12,480 --> 00:05:15,719 Speaker 4: children are getting out of school? This is and that's 108 00:05:15,760 --> 00:05:19,440 Speaker 4: how I know that the market is still a little 109 00:05:20,200 --> 00:05:23,839 Speaker 4: It still hasn't bounced back because this is normally my 110 00:05:24,040 --> 00:05:28,080 Speaker 4: extreme busy time. You know, normally school in Atlanta just 111 00:05:28,160 --> 00:05:31,960 Speaker 4: got out last week, so everybody is out of school. 112 00:05:32,000 --> 00:05:34,360 Speaker 4: So what parents normally did was say, Okay, well, let's 113 00:05:34,360 --> 00:05:37,240 Speaker 4: just wait till Johnny, little Johnny finished your school. We 114 00:05:37,279 --> 00:05:39,840 Speaker 4: don't want to interrupt. And so now it would be 115 00:05:39,880 --> 00:05:42,599 Speaker 4: in Atlanta anyway, it would be from May through the 116 00:05:42,760 --> 00:05:45,760 Speaker 4: end of August because then now everybody wants to get 117 00:05:45,800 --> 00:05:48,520 Speaker 4: in the house in time for school. So now is 118 00:05:48,600 --> 00:05:52,120 Speaker 4: really the spring springtime and summertime is normally the time 119 00:05:52,160 --> 00:05:54,360 Speaker 4: when most houses go on the market. 120 00:05:54,600 --> 00:05:54,840 Speaker 1: Cool. 121 00:05:55,080 --> 00:05:57,679 Speaker 3: So there's a system to this madness because, like I said, 122 00:05:57,720 --> 00:06:00,680 Speaker 3: you know, people we always talk about real estate, especially 123 00:06:00,680 --> 00:06:03,480 Speaker 3: the minority community. I always talking about you know, God's 124 00:06:03,520 --> 00:06:06,880 Speaker 3: not creating more land. So whatever you buy is an investment, 125 00:06:06,960 --> 00:06:12,200 Speaker 3: creating equity. You got into the brokerage firm from a 126 00:06:12,240 --> 00:06:15,039 Speaker 3: mortgage standpoint, How did that does a person like you? 127 00:06:15,120 --> 00:06:17,640 Speaker 3: I'm not saying this impossible, but it's it's a career 128 00:06:17,680 --> 00:06:20,680 Speaker 3: move that I've never thought of engaging myself. And do 129 00:06:20,760 --> 00:06:23,880 Speaker 3: you have to have like financial money in the bank, 130 00:06:24,440 --> 00:06:26,479 Speaker 3: how do you get into the creating a firm like this. 131 00:06:27,520 --> 00:06:31,640 Speaker 4: Okay, So to create a mortgage firm, you really don't 132 00:06:31,720 --> 00:06:33,760 Speaker 4: quote unquote have to have money in the bank when 133 00:06:33,800 --> 00:06:37,159 Speaker 4: you start out. Every year going forward you will. I 134 00:06:37,240 --> 00:06:39,440 Speaker 4: want to see your books to make sure that you're 135 00:06:39,560 --> 00:06:43,440 Speaker 4: you know, you're a financially sound but whatever state you're in, 136 00:06:43,920 --> 00:06:46,400 Speaker 4: you really you want to start off being licensed a 137 00:06:46,480 --> 00:06:49,839 Speaker 4: licensed loan officer, which is your you get your NML 138 00:06:49,880 --> 00:06:53,240 Speaker 4: left license. So once you're a licensed loan officer, I 139 00:06:53,360 --> 00:06:57,719 Speaker 4: recommend personally, I think you should, you know, be a 140 00:06:57,720 --> 00:07:00,919 Speaker 4: loan officer for at least three to five year, at 141 00:07:01,040 --> 00:07:04,400 Speaker 4: least three years before you started your own firm, because 142 00:07:04,440 --> 00:07:07,000 Speaker 4: there are a lot of different pieces to the puzzle 143 00:07:07,120 --> 00:07:09,479 Speaker 4: and it's just not about oh, let me open up 144 00:07:09,520 --> 00:07:12,280 Speaker 4: my own company. You really want to know the loan 145 00:07:12,640 --> 00:07:15,560 Speaker 4: part of the business very well so that you can 146 00:07:15,600 --> 00:07:16,600 Speaker 4: take care of your client. 147 00:07:16,920 --> 00:07:17,120 Speaker 1: You know. 148 00:07:17,200 --> 00:07:20,600 Speaker 3: I've been fortunate to buy some homes in my life, 149 00:07:20,680 --> 00:07:22,920 Speaker 3: not saying that I'm not bragging on that I've been 150 00:07:23,320 --> 00:07:26,360 Speaker 3: the first home I bought, I got it on you know, 151 00:07:26,480 --> 00:07:26,960 Speaker 3: like auction. 152 00:07:27,200 --> 00:07:27,520 Speaker 1: I bought. 153 00:07:27,560 --> 00:07:29,240 Speaker 3: My first home was in the auction, you know, And 154 00:07:29,960 --> 00:07:32,280 Speaker 3: now I bought it, and I was happy, and I 155 00:07:32,400 --> 00:07:34,040 Speaker 3: bid this other person because it was one of the 156 00:07:34,040 --> 00:07:37,320 Speaker 3: homes that I guess I don't know the proper language, 157 00:07:37,480 --> 00:07:39,720 Speaker 3: but I'm pretty sure you're aware of what I'm talking about. 158 00:07:40,000 --> 00:07:42,320 Speaker 1: You know. They're kind of like fix her up homes 159 00:07:42,680 --> 00:07:44,240 Speaker 1: and they go out there and you can bid on them. 160 00:07:44,280 --> 00:07:44,640 Speaker 1: And I bid. 161 00:07:44,680 --> 00:07:46,200 Speaker 3: I got the home, and I got to the house. 162 00:07:46,240 --> 00:07:48,360 Speaker 3: Of course it didn't it didn't have an air condition unit. 163 00:07:48,400 --> 00:07:50,280 Speaker 3: Somebody has stolen the air condition unit. So I had 164 00:07:50,280 --> 00:07:52,160 Speaker 3: to buy the air condition unit and put it on 165 00:07:52,200 --> 00:07:53,800 Speaker 3: the house, and I was up and running. 166 00:07:54,240 --> 00:07:56,040 Speaker 1: That was my very first home. But I tell you, 167 00:07:56,040 --> 00:07:57,040 Speaker 1: when I bought that home. 168 00:07:57,520 --> 00:08:00,920 Speaker 3: Now, are you the person that puts it out like 169 00:08:00,600 --> 00:08:03,120 Speaker 3: a like almost a Bible sized. 170 00:08:02,800 --> 00:08:05,320 Speaker 1: Amount of paper in front of us and tell us 171 00:08:05,320 --> 00:08:08,280 Speaker 1: we have to sign. Is that you? That is me? 172 00:08:08,440 --> 00:08:12,480 Speaker 4: But nowadays, nowadays I'm gonna send it to you via 173 00:08:12,600 --> 00:08:13,840 Speaker 4: docu side. 174 00:08:14,000 --> 00:08:16,680 Speaker 1: But that's that because I don't know what I'm signing. 175 00:08:18,480 --> 00:08:21,480 Speaker 4: I always tell people when when you get those when 176 00:08:21,520 --> 00:08:23,880 Speaker 4: you go under contract, you know, when you get those 177 00:08:24,360 --> 00:08:28,600 Speaker 4: those that big set of disclosure that's probably anywhere between 178 00:08:28,640 --> 00:08:32,200 Speaker 4: eighty to one hundred pages. When you when you go 179 00:08:32,360 --> 00:08:34,280 Speaker 4: when you go through them, a lot of them are 180 00:08:34,360 --> 00:08:36,560 Speaker 4: just you know, it's, you know, a workbook that you 181 00:08:36,640 --> 00:08:38,840 Speaker 4: have to have a disclosure that you have to keep. 182 00:08:38,840 --> 00:08:41,559 Speaker 4: But the bottom line is the most important thing that 183 00:08:41,640 --> 00:08:45,120 Speaker 4: you want to read is your loan estimate. So and 184 00:08:45,200 --> 00:08:47,360 Speaker 4: you said, well, tell you why your loan estimate. Your 185 00:08:47,440 --> 00:08:50,360 Speaker 4: loan estimate is going to show you what the current 186 00:08:50,480 --> 00:08:54,960 Speaker 4: rate is, what how much you're borrowing, your total estimated payment, 187 00:08:55,200 --> 00:08:56,720 Speaker 4: and if your loan's lost or not. 188 00:08:57,160 --> 00:08:59,960 Speaker 1: So when you say loan lock or let's let's let's 189 00:09:00,040 --> 00:09:02,120 Speaker 1: stop right there, what does that mean the loan is locked? 190 00:09:02,120 --> 00:09:04,320 Speaker 4: What does that means? That means your interest rate. So 191 00:09:04,360 --> 00:09:06,760 Speaker 4: that means, for example, I just spoke to a client 192 00:09:06,840 --> 00:09:10,800 Speaker 4: today and they're doing a USDA loan and I told 193 00:09:10,840 --> 00:09:14,360 Speaker 4: them what their rate was and it was six point 194 00:09:14,400 --> 00:09:18,319 Speaker 4: seventy five, and they are, we're going to go ahead 195 00:09:18,400 --> 00:09:21,520 Speaker 4: and lock tomorrow to see. Anybody can tell you what 196 00:09:21,600 --> 00:09:24,640 Speaker 4: your rate is. But until you get that loan estimate 197 00:09:25,040 --> 00:09:27,920 Speaker 4: that says your rate is locked, you are then floating. 198 00:09:28,080 --> 00:09:31,640 Speaker 4: And so you're you know, your you're in reality, you're gambling. 199 00:09:31,720 --> 00:09:34,640 Speaker 4: You know, every day the market, you know, the market 200 00:09:34,720 --> 00:09:38,080 Speaker 4: changes every day. Sometimes it changes twice three times a day, 201 00:09:38,400 --> 00:09:40,440 Speaker 4: so the market is volatile, so you want to make 202 00:09:40,440 --> 00:09:42,920 Speaker 4: sure your loan is locked, and if it's not locked, 203 00:09:43,160 --> 00:09:44,840 Speaker 4: then you just want to make sure you stay on 204 00:09:44,920 --> 00:09:46,880 Speaker 4: top of that so that the rate that you got 205 00:09:46,960 --> 00:09:49,600 Speaker 4: quoted at the beginning is the rate that you'll end 206 00:09:49,679 --> 00:09:50,000 Speaker 4: up with. 207 00:09:50,640 --> 00:09:54,680 Speaker 3: That's important because of the fact that now now you 208 00:09:54,720 --> 00:09:57,920 Speaker 3: have like different loans like fifteen year mortgages and thirty 209 00:09:57,960 --> 00:09:58,440 Speaker 3: year mortgage. 210 00:09:58,440 --> 00:10:00,400 Speaker 1: Are there any mortgages longer than thre us? 211 00:10:01,880 --> 00:10:04,960 Speaker 4: I wouldn't recommend it right now. The government did just 212 00:10:05,160 --> 00:10:09,800 Speaker 4: recently or or for our faha forty year fah loans 213 00:10:09,800 --> 00:10:13,480 Speaker 4: for modification, but I definitely wouldn't or I wouldn't recommend 214 00:10:13,520 --> 00:10:16,640 Speaker 4: a forty year amorization term. That's just too long. Forty 215 00:10:16,720 --> 00:10:19,400 Speaker 4: years is a long time, thirty is a long time. 216 00:10:20,559 --> 00:10:25,800 Speaker 4: I personally, a forty year loan you can't. You can't. 217 00:10:25,840 --> 00:10:28,600 Speaker 4: I mean, you could technically do extra principal, you know, 218 00:10:29,360 --> 00:10:33,240 Speaker 4: extra principal payment every month, but there's no they're not 219 00:10:33,280 --> 00:10:37,199 Speaker 4: going to do forty year loans for first for homeowners 220 00:10:37,920 --> 00:10:41,520 Speaker 4: Fanny and Freddy. They're not going to do it. This 221 00:10:41,720 --> 00:10:44,719 Speaker 4: is just something like I said Faha to help them 222 00:10:44,760 --> 00:10:47,320 Speaker 4: with the modification. But I would not recommend a four 223 00:10:47,400 --> 00:10:50,120 Speaker 4: year loan. And while we're talking about that, even though 224 00:10:50,200 --> 00:10:53,679 Speaker 4: rates have spiked that a lot of people aren't refinancing 225 00:10:53,800 --> 00:10:56,040 Speaker 4: like they used to be. You just want to be really, 226 00:10:56,080 --> 00:10:58,640 Speaker 4: really careful when you've refinanced. If you've been in your 227 00:10:58,679 --> 00:11:02,120 Speaker 4: house for ten years, don't automatically go back to a 228 00:11:02,200 --> 00:11:06,600 Speaker 4: thirty because you're thinking it's saving you money. You started 229 00:11:06,600 --> 00:11:10,920 Speaker 4: that clock all over again. So if you're refinancing, you 230 00:11:10,960 --> 00:11:13,040 Speaker 4: can do a twenty five year term, you can do 231 00:11:13,080 --> 00:11:15,400 Speaker 4: a twenty year term, you could do a fifteen year term. 232 00:11:15,679 --> 00:11:17,559 Speaker 4: But if you've been in your house for more than 233 00:11:17,600 --> 00:11:20,880 Speaker 4: five years, I do not recommend going back to the 234 00:11:20,960 --> 00:11:22,760 Speaker 4: thirty year term, right just. 235 00:11:22,640 --> 00:11:25,200 Speaker 1: Because you're trying to get a lower monthly rate. 236 00:11:26,080 --> 00:11:27,960 Speaker 4: Yeah, they're trying to get a lower monthly rate, but 237 00:11:28,000 --> 00:11:30,520 Speaker 4: all you've done is add you know, X amount of 238 00:11:30,520 --> 00:11:33,520 Speaker 4: interest back onto your loan that you've got to pay off. 239 00:11:33,679 --> 00:11:38,440 Speaker 4: Because you have to remember mortgages are they're interest loaded 240 00:11:38,480 --> 00:11:42,000 Speaker 4: in the front. So all you've seen over the years 241 00:11:42,000 --> 00:11:44,440 Speaker 4: with the houses that you purchased, when you went to 242 00:11:44,520 --> 00:11:47,520 Speaker 4: sell that last house to buy your next house, or 243 00:11:47,559 --> 00:11:49,680 Speaker 4: maybe you didn't even go to sell it. You just 244 00:11:49,679 --> 00:11:52,079 Speaker 4: looked at your payoff. You said, oh my goodness, I've 245 00:11:52,080 --> 00:11:55,440 Speaker 4: been paying on this thing for seven years. You know 246 00:11:55,440 --> 00:11:59,000 Speaker 4: what I mean, this is still my balance. But one 247 00:11:59,000 --> 00:12:01,520 Speaker 4: thing that you can do is you can make one 248 00:12:01,640 --> 00:12:05,800 Speaker 4: extra principal payment principal one payment extra a year, and 249 00:12:05,840 --> 00:12:08,679 Speaker 4: you can shave seven years of interest off your loan. 250 00:12:09,120 --> 00:12:11,120 Speaker 4: So you know, if you have to get a thirty 251 00:12:11,240 --> 00:12:14,040 Speaker 4: to start out with, that's totally fine. And if you 252 00:12:14,040 --> 00:12:14,640 Speaker 4: don't feel. 253 00:12:14,520 --> 00:12:17,040 Speaker 3: So you're saying that, you're saying that, you're saying that 254 00:12:17,080 --> 00:12:20,360 Speaker 3: on the thirty year mortgage. Could you be talking fast? 255 00:12:20,440 --> 00:12:23,280 Speaker 3: It's blanket because you know, you know you've been doing 256 00:12:23,280 --> 00:12:27,520 Speaker 3: this all your life. Okay, lock hell, Now you just 257 00:12:27,559 --> 00:12:30,040 Speaker 3: said that if I have a thirty year mortgage, right, 258 00:12:30,080 --> 00:12:32,480 Speaker 3: I have a thirty year mortgage, right, and if I 259 00:12:32,600 --> 00:12:35,960 Speaker 3: make an extra payment a year mortgage payment, a year 260 00:12:36,280 --> 00:12:41,000 Speaker 3: extra apply to my to apply to my balance, right, 261 00:12:41,640 --> 00:12:42,280 Speaker 3: not the interest? 262 00:12:42,760 --> 00:12:45,680 Speaker 1: How much would that? How much would that take my mortgage? 263 00:12:45,679 --> 00:12:48,120 Speaker 4: That's the thirty that's shape, So that would take that 264 00:12:48,160 --> 00:12:50,880 Speaker 4: would take your that would take your thirty year mortgage 265 00:12:50,960 --> 00:12:56,600 Speaker 4: to a twenty three twenty two year mortgage. Just by 266 00:12:56,720 --> 00:12:59,880 Speaker 4: doing that, because you're going to hit that principal faster. 267 00:13:00,200 --> 00:13:03,240 Speaker 4: For example, for me, I always tell people, you know, 268 00:13:03,480 --> 00:13:06,439 Speaker 4: I bought my house in six My interest rate on 269 00:13:06,480 --> 00:13:08,520 Speaker 4: the first was six and a half and my interest 270 00:13:08,600 --> 00:13:11,000 Speaker 4: rate on the second was ten and a half. And 271 00:13:11,040 --> 00:13:13,439 Speaker 4: it was and that was like one hundred percent finance. 272 00:13:13,480 --> 00:13:16,880 Speaker 4: And this was in January o six. But you're in Atlanta. 273 00:13:16,960 --> 00:13:19,720 Speaker 4: So I bought an Alpharetta. So I pay two forty 274 00:13:19,800 --> 00:13:21,680 Speaker 4: nine for my house. You can't find a house in 275 00:13:21,679 --> 00:13:24,760 Speaker 4: Alpharetta right now for three hundred thousand for get to 276 00:13:24,960 --> 00:13:25,520 Speaker 4: forty nine. 277 00:13:26,080 --> 00:13:29,720 Speaker 1: But but are you bragging the planter? Are you braking? No, 278 00:13:29,800 --> 00:13:30,040 Speaker 1: I'm not. 279 00:13:30,280 --> 00:13:30,480 Speaker 5: I'm not. 280 00:13:30,600 --> 00:13:32,800 Speaker 4: I'm just stating factors. So I'm just stating fact. 281 00:13:33,120 --> 00:13:33,600 Speaker 1: That's right. 282 00:13:33,679 --> 00:13:36,600 Speaker 4: But but what but what I did do is years 283 00:13:36,679 --> 00:13:40,280 Speaker 4: later I went ahead and I refinanced to a fifteen 284 00:13:41,000 --> 00:13:44,880 Speaker 4: at two point seventy five, and it attacked my principle. 285 00:13:45,240 --> 00:13:48,080 Speaker 4: So my point is that if you can't start out 286 00:13:48,120 --> 00:13:51,160 Speaker 4: on a fifteen year or you don't feel comfortable with 287 00:13:51,200 --> 00:13:56,200 Speaker 4: that higher payment, always do you have? You have two 288 00:13:56,240 --> 00:13:59,679 Speaker 4: ways really of doing it. You can do biweekly payments. 289 00:13:59,720 --> 00:14:02,079 Speaker 4: You have I have to set that up with your service, 290 00:14:02,559 --> 00:14:05,200 Speaker 4: So don't just pay a payment every other week. You 291 00:14:05,240 --> 00:14:08,280 Speaker 4: cannot do that. They expect your mortgage payment to be 292 00:14:08,360 --> 00:14:10,920 Speaker 4: paid in full. So most of the time they'll charge 293 00:14:10,920 --> 00:14:13,760 Speaker 4: you a setup feat of two hundred and fifty dollars 294 00:14:13,800 --> 00:14:17,040 Speaker 4: to do biweekly payments. And you've already just by doing 295 00:14:17,120 --> 00:14:20,640 Speaker 4: every other week, you've already accomplished that one extra payment. 296 00:14:21,080 --> 00:14:23,760 Speaker 4: Or you can just do one extra payment a month, 297 00:14:23,880 --> 00:14:26,800 Speaker 4: you know online or nobody really nailed it into the company, 298 00:14:27,200 --> 00:14:28,880 Speaker 4: or you can mail it in and you just check 299 00:14:29,240 --> 00:14:30,200 Speaker 4: towards principle. 300 00:14:30,400 --> 00:14:33,120 Speaker 3: Great, I'm talking to Tanya Blanchet. You founded a Madison 301 00:14:33,200 --> 00:14:37,360 Speaker 3: Chase Capital Advisors, a mortgage broker's firm with affordable closing costs, 302 00:14:37,600 --> 00:14:39,440 Speaker 3: and she has tips on up in the value of 303 00:14:39,480 --> 00:14:41,080 Speaker 3: your home when we come back from this break. But 304 00:14:41,160 --> 00:14:44,120 Speaker 3: before we go to the break, Ms Blanchet or some 305 00:14:44,200 --> 00:14:46,320 Speaker 3: contact information that you can share with. 306 00:14:46,120 --> 00:14:52,240 Speaker 4: My listeners absolutely on Instagram at Madison Chase Capital Advisors 307 00:14:53,360 --> 00:14:57,920 Speaker 4: LinkedIn Tanya Blanchard, and then my phone number is seven 308 00:14:58,000 --> 00:15:01,680 Speaker 4: seven zero eight five one. I'm three three four and 309 00:15:01,760 --> 00:15:07,120 Speaker 4: for any questions you can do info at mccapitaladvisors dot com. 310 00:15:07,200 --> 00:15:16,080 Speaker 6: Okay, great, we'll be right back with more Money Making 311 00:15:16,120 --> 00:15:19,119 Speaker 6: Conversations Masterclass with Rushan McDonald. 312 00:15:20,920 --> 00:15:24,360 Speaker 7: You are now tuned into the Money Making Conversations Minute 313 00:15:24,400 --> 00:15:26,520 Speaker 7: of Inspiration with Rushawan McDonald. 314 00:15:26,840 --> 00:15:27,680 Speaker 1: Patti Label is. 315 00:15:27,640 --> 00:15:29,800 Speaker 3: An award when you're singer and actress who has been 316 00:15:29,840 --> 00:15:32,920 Speaker 3: called the Godmother of soul. She started her career in 317 00:15:32,920 --> 00:15:35,360 Speaker 3: the sixties and is still on top of her game 318 00:15:35,400 --> 00:15:38,920 Speaker 3: as an entertainer and businesswoman. So when Patti Label speaks, 319 00:15:39,040 --> 00:15:39,800 Speaker 3: you should listen. 320 00:15:39,920 --> 00:15:42,720 Speaker 8: I noticed since I've been performing for fifty six years, 321 00:15:42,960 --> 00:15:45,600 Speaker 8: I've touched so many people just when I hug them, 322 00:15:45,600 --> 00:15:48,520 Speaker 8: for when I smile and say something positive to them. 323 00:15:48,560 --> 00:15:51,160 Speaker 8: Don't cost you enoughing to be a lifter of people. 324 00:15:51,440 --> 00:15:52,480 Speaker 8: It's natural for me. 325 00:15:52,680 --> 00:15:53,720 Speaker 9: I was born with this. 326 00:15:54,200 --> 00:15:57,040 Speaker 8: I'm a total giver. It don't cost me nothing to 327 00:15:57,120 --> 00:15:59,480 Speaker 8: give what God has given me. So I give it 328 00:15:59,520 --> 00:16:02,200 Speaker 8: and with a smile on my face. And as I said, 329 00:16:02,240 --> 00:16:04,280 Speaker 8: I'm seventy six. Whenever I go and say that, I 330 00:16:04,320 --> 00:16:06,800 Speaker 8: get this great feeling from the audience that they're please 331 00:16:06,920 --> 00:16:08,760 Speaker 8: to be with me that night. Now I'm going to 332 00:16:08,760 --> 00:16:09,920 Speaker 8: give them something special. 333 00:16:10,120 --> 00:16:12,520 Speaker 3: If you want to hear this full interview with Patty Labell, 334 00:16:12,840 --> 00:16:15,040 Speaker 3: visit Moneymakingconversation dot Com. 335 00:16:15,120 --> 00:16:15,760 Speaker 1: Keep winning. 336 00:16:20,320 --> 00:16:25,320 Speaker 6: Now let's return to Money Making Conversations Masterclass with Rashan McDonald. 337 00:16:25,520 --> 00:16:27,160 Speaker 3: It's amazing when you would get out in the real 338 00:16:27,280 --> 00:16:30,960 Speaker 3: estate business. Were always, you know, in the black community 339 00:16:30,960 --> 00:16:34,280 Speaker 3: of the community of color, were just always tied to apartments, 340 00:16:34,280 --> 00:16:37,920 Speaker 3: were always tied to paying that monthly raiding, tied to 341 00:16:37,960 --> 00:16:41,200 Speaker 3: the first and the fifteenth, and never really into planning 342 00:16:41,280 --> 00:16:43,080 Speaker 3: our future in real estate is the way that you 343 00:16:43,120 --> 00:16:46,160 Speaker 3: can plan your future. How did you really get into 344 00:16:46,200 --> 00:16:49,320 Speaker 3: this business you talked about, Rashan. You don't have to 345 00:16:49,360 --> 00:16:52,200 Speaker 3: have money in the bank, but you have a course, 346 00:16:52,240 --> 00:16:55,120 Speaker 3: a program that you put in place now called six 347 00:16:55,200 --> 00:16:58,040 Speaker 3: Months to six figures, a loan Officer's Guide to a 348 00:16:58,080 --> 00:16:59,960 Speaker 3: profitable business. What exactly? 349 00:17:00,640 --> 00:17:04,359 Speaker 4: Absolutely, So I started out. I've been doing mortgages for 350 00:17:05,280 --> 00:17:08,720 Speaker 4: nineteen years and so this in June will be five 351 00:17:08,800 --> 00:17:11,199 Speaker 4: years that I've owned my own company. But I started 352 00:17:11,200 --> 00:17:13,240 Speaker 4: out as a loan officer. And when you start out 353 00:17:13,240 --> 00:17:16,320 Speaker 4: as a loan officer, you're one hundred percent commission. So 354 00:17:16,560 --> 00:17:20,320 Speaker 4: just think I had been recently divorced and my UX Susin, 355 00:17:20,400 --> 00:17:23,040 Speaker 4: and I had a great relationship. So we divorced with 356 00:17:23,359 --> 00:17:26,679 Speaker 4: no alimony, no child support. We've been put expenses and 357 00:17:26,760 --> 00:17:30,240 Speaker 4: explit time. So I had to think. So even though 358 00:17:30,280 --> 00:17:34,160 Speaker 4: it seemed risky going one hundred percent commission after being 359 00:17:34,240 --> 00:17:38,280 Speaker 4: recently divorced, I knew that I wanted something that, you know, 360 00:17:38,320 --> 00:17:41,480 Speaker 4: I wanted to be able to, you know, have unlimited income, 361 00:17:41,720 --> 00:17:43,439 Speaker 4: and I wanted to be able to spend time with 362 00:17:43,480 --> 00:17:46,240 Speaker 4: my children. They were small at the time. So I 363 00:17:46,359 --> 00:17:49,040 Speaker 4: became a loan officer. And so when you're a loan officer, 364 00:17:49,119 --> 00:17:53,400 Speaker 4: it's all about relationships, it's about knowing your guidelines, it's 365 00:17:53,400 --> 00:17:57,320 Speaker 4: about closing on time. And what I found when I 366 00:17:57,440 --> 00:18:02,280 Speaker 4: hired people at my firm loan officers. They were newly licensed, 367 00:18:02,280 --> 00:18:07,359 Speaker 4: but they had no idea how to be a loan officer. 368 00:18:07,440 --> 00:18:10,919 Speaker 4: Nobody teaches you that. So so I took the time 369 00:18:11,680 --> 00:18:14,080 Speaker 4: to create a course. Actually it's called six Months to 370 00:18:14,160 --> 00:18:19,120 Speaker 4: six Figures. It's seven modules, a resource god a jump 371 00:18:19,200 --> 00:18:23,560 Speaker 4: start that if you complete this and within six months, 372 00:18:23,960 --> 00:18:27,479 Speaker 4: you'll be making six figures as a loan officer. And 373 00:18:27,520 --> 00:18:31,920 Speaker 4: it's it's all common sense. It's it's my experience of 374 00:18:32,000 --> 00:18:35,280 Speaker 4: being in the business for nineteen years and raising you know, 375 00:18:35,400 --> 00:18:38,840 Speaker 4: two children, and you know, taking vacations and you know, 376 00:18:38,960 --> 00:18:42,119 Speaker 4: being one hundred percent commission for nineteen years is a 377 00:18:42,119 --> 00:18:45,960 Speaker 4: testimony in it itself, and wake up every day, wake 378 00:18:46,080 --> 00:18:48,000 Speaker 4: up every day and say, this is what I want 379 00:18:48,040 --> 00:18:50,720 Speaker 4: to do. So I created the course really to help 380 00:18:50,800 --> 00:18:56,960 Speaker 4: people avoid costly mistakes, because you have to remember, when 381 00:18:57,000 --> 00:18:59,879 Speaker 4: you're doing a loan, it's not you have a buyer 382 00:19:00,000 --> 00:19:03,520 Speaker 4: and a seller. You have someone's life, life life in 383 00:19:03,560 --> 00:19:04,240 Speaker 4: your hands. 384 00:19:04,400 --> 00:19:04,880 Speaker 8: Literally. 385 00:19:05,320 --> 00:19:07,560 Speaker 4: You know, a lot of times people focus so much 386 00:19:07,600 --> 00:19:10,560 Speaker 4: on the buyer, but I always focus on the seller, 387 00:19:10,640 --> 00:19:13,399 Speaker 4: even though I'm doing the loans for the buyer, because 388 00:19:13,440 --> 00:19:16,520 Speaker 4: I know that seller has also either they need that 389 00:19:16,600 --> 00:19:19,680 Speaker 4: money for a move or something important in their lives, 390 00:19:20,240 --> 00:19:23,120 Speaker 4: or they're going to their next house, so they need 391 00:19:23,160 --> 00:19:25,879 Speaker 4: to close on time as well. So that's why I 392 00:19:25,960 --> 00:19:29,280 Speaker 4: created the course to really help new loan offices or 393 00:19:29,359 --> 00:19:32,000 Speaker 4: loan offices have been in the business and aren't closing 394 00:19:32,040 --> 00:19:34,760 Speaker 4: at least three to five loans a month. This course 395 00:19:34,760 --> 00:19:35,679 Speaker 4: will definitely help you. 396 00:19:35,920 --> 00:19:36,119 Speaker 9: We know. 397 00:19:36,280 --> 00:19:36,919 Speaker 1: The thing about it. 398 00:19:37,000 --> 00:19:39,520 Speaker 3: The reason they excited me about bringing you on the 399 00:19:39,520 --> 00:19:42,000 Speaker 3: show because so many of my listeners, so many people 400 00:19:42,000 --> 00:19:44,040 Speaker 3: in the world and there are afraid to make change. 401 00:19:44,119 --> 00:19:46,840 Speaker 3: And also you also hit a certain age where they 402 00:19:46,840 --> 00:19:50,200 Speaker 3: feel that just it. You know, I'm thirty, I can't 403 00:19:50,200 --> 00:19:51,679 Speaker 3: do anything. On forty, I can't do it. 404 00:19:51,840 --> 00:19:55,560 Speaker 1: Fifty they've thrown the shovel and they've planning in their 405 00:19:55,600 --> 00:19:57,280 Speaker 1: own raid. So they're buying. 406 00:19:57,119 --> 00:20:00,800 Speaker 3: Plots and so, right, well, that's what you shouldn't think 407 00:20:00,800 --> 00:20:04,000 Speaker 3: that way. You should think about opportunities, opportunities to be 408 00:20:04,040 --> 00:20:07,760 Speaker 3: able to grow your fortune. And this is what we're 409 00:20:07,800 --> 00:20:10,600 Speaker 3: talking about with this particular program, is that it's not 410 00:20:10,840 --> 00:20:13,440 Speaker 3: when you're not talking about somebody who's just graduated from 411 00:20:13,480 --> 00:20:15,560 Speaker 3: high school or somebody who just graduated from college or 412 00:20:15,560 --> 00:20:16,600 Speaker 3: didn't go to college, you're not. 413 00:20:16,840 --> 00:20:17,720 Speaker 1: We're talking about. 414 00:20:17,520 --> 00:20:20,960 Speaker 3: People who are adults who are looking to make decisions 415 00:20:21,240 --> 00:20:22,440 Speaker 3: and talk to us right quick. 416 00:20:22,480 --> 00:20:23,840 Speaker 1: Who are you talking to? 417 00:20:24,040 --> 00:20:24,159 Speaker 5: Right? 418 00:20:24,200 --> 00:20:24,400 Speaker 9: Yeah? 419 00:20:24,640 --> 00:20:24,960 Speaker 8: You know what? 420 00:20:25,080 --> 00:20:26,960 Speaker 4: And I think you brought up a really good point 421 00:20:27,040 --> 00:20:30,480 Speaker 4: because I didn't graduate from college. I have my series 422 00:20:30,560 --> 00:20:32,840 Speaker 4: seven and sixty three from when I worked at Payne Weber, 423 00:20:33,000 --> 00:20:35,200 Speaker 4: so that's when I was officially smart. That's what I 424 00:20:35,200 --> 00:20:37,800 Speaker 4: always say. When I passed the seven, I was officially smart. 425 00:20:38,000 --> 00:20:41,680 Speaker 4: But you have to you have to really focus on 426 00:20:41,880 --> 00:20:48,080 Speaker 4: life skills and you know, interpersonal skills and reading and English. 427 00:20:48,560 --> 00:20:52,280 Speaker 4: If you always tell people be careful with just going 428 00:20:52,359 --> 00:20:55,200 Speaker 4: to college, to go to college, you know, student loan 429 00:20:55,280 --> 00:20:58,680 Speaker 4: debt is out of control, you know. I suggest to parents, 430 00:20:58,720 --> 00:21:00,800 Speaker 4: you know, if you if you didn't say money for college, 431 00:21:00,840 --> 00:21:03,760 Speaker 4: get your childhood to college, a community college for two 432 00:21:03,880 --> 00:21:07,639 Speaker 4: years and then you know, a four year school for 433 00:21:07,720 --> 00:21:11,199 Speaker 4: their degree. Like just think about President Obama. All you 434 00:21:11,280 --> 00:21:14,680 Speaker 4: remember is that he graduated from Columbia, then Harvard. Nobody 435 00:21:14,680 --> 00:21:17,560 Speaker 4: remembers the school he went to beforehand. So you just 436 00:21:17,600 --> 00:21:21,240 Speaker 4: have to be really you know, smart with your money 437 00:21:21,320 --> 00:21:24,560 Speaker 4: and know that debt. You know, you don't want to 438 00:21:24,600 --> 00:21:28,320 Speaker 4: incur debt. And this is really fast about dreams. You know, 439 00:21:28,440 --> 00:21:31,119 Speaker 4: anybody out here who doesn't own a house right now, 440 00:21:31,600 --> 00:21:35,080 Speaker 4: there's no reason that you can't. You have to start 441 00:21:35,119 --> 00:21:37,760 Speaker 4: where you are, even if you're credit and I don't 442 00:21:37,760 --> 00:21:40,480 Speaker 4: do credit counseling, I don't do credit repair, I don't 443 00:21:40,520 --> 00:21:44,360 Speaker 4: do credit restoration. But you have to start where you are. 444 00:21:44,480 --> 00:21:46,960 Speaker 4: You have to take your head out the sand. Look 445 00:21:46,960 --> 00:21:49,280 Speaker 4: at your credit report. It's all going to start there. 446 00:21:49,640 --> 00:21:54,199 Speaker 4: Look at your credit report, take responsibility, start fixing your credit. 447 00:21:54,440 --> 00:21:57,600 Speaker 4: Then start saving systematically. Even if you can't save in 448 00:21:57,720 --> 00:22:00,320 Speaker 4: fall one k, get a separate save in got a 449 00:22:00,400 --> 00:22:02,560 Speaker 4: credit union where you don't have access to the money, 450 00:22:02,640 --> 00:22:05,200 Speaker 4: and saved because the bottom line is that if you're 451 00:22:05,200 --> 00:22:08,359 Speaker 4: not paying your mortgage, you're paying someone else's. And this 452 00:22:08,560 --> 00:22:13,200 Speaker 4: is really really important. Just you know, maybe your first 453 00:22:13,240 --> 00:22:16,800 Speaker 4: house can't be that you know, four four four bedroom, 454 00:22:16,880 --> 00:22:20,120 Speaker 4: four baths, but it's a three two, it's a three bedroom, 455 00:22:20,160 --> 00:22:23,680 Speaker 4: it's a a two bath that you and your family own. 456 00:22:23,760 --> 00:22:27,480 Speaker 4: There is no security for a child like owning their 457 00:22:27,520 --> 00:22:30,240 Speaker 4: own home, coming in from that school bus, coming in 458 00:22:30,280 --> 00:22:32,959 Speaker 4: a house, saying hey mom, hey dad, and going up 459 00:22:33,000 --> 00:22:36,760 Speaker 4: to their room. So just think, just start out. Most 460 00:22:36,800 --> 00:22:40,359 Speaker 4: people want the big house. Start out, even you know 461 00:22:40,440 --> 00:22:42,920 Speaker 4: you we laughed about my house in Alpharetta, but believe 462 00:22:42,960 --> 00:22:45,560 Speaker 4: it or not, at that time, that was a sacrifice. 463 00:22:45,600 --> 00:22:48,240 Speaker 4: I wanted a basement, right and I took a FOURD 464 00:22:48,280 --> 00:22:50,320 Speaker 4: a basement, so I had to get a master on 465 00:22:50,359 --> 00:22:52,679 Speaker 4: the main and that sounds like, oh, a master on 466 00:22:52,720 --> 00:22:54,879 Speaker 4: the main. But still it was a sacrifice. It was 467 00:22:54,920 --> 00:22:58,320 Speaker 4: something that I wanted. But had I not look at 468 00:22:58,359 --> 00:23:01,160 Speaker 4: those interest rates six point father on the first ten 469 00:23:01,240 --> 00:23:04,000 Speaker 4: on the second look at those rays, What if I 470 00:23:04,040 --> 00:23:07,440 Speaker 4: had to say you know what, I'm gonna wait right right, 471 00:23:07,840 --> 00:23:09,960 Speaker 4: they wouldn't have my house, so you gotta you know, 472 00:23:10,760 --> 00:23:11,680 Speaker 4: the time is now. 473 00:23:11,920 --> 00:23:13,879 Speaker 3: Well, you know, I love your passion. I love because 474 00:23:13,960 --> 00:23:16,480 Speaker 3: some some some triggered in you. You know, it's like, okay, 475 00:23:16,520 --> 00:23:19,760 Speaker 3: I got Rashan. It's almost like you you get mad 476 00:23:19,800 --> 00:23:22,159 Speaker 3: at people when you see them making the same mistake 477 00:23:22,240 --> 00:23:24,800 Speaker 3: over and again over again, or denying themselves the opportunity. 478 00:23:24,840 --> 00:23:27,080 Speaker 3: I know, I get mad Ali because because the word 479 00:23:27,200 --> 00:23:30,600 Speaker 3: common sense. And then, like you said, holding yourself responsible 480 00:23:30,600 --> 00:23:33,200 Speaker 3: to your own dreams. You know, your dreams can only 481 00:23:33,240 --> 00:23:37,560 Speaker 3: be achieved if you want to show maturity responsibility to 482 00:23:37,680 --> 00:23:38,800 Speaker 3: why they are not happening. 483 00:23:39,600 --> 00:23:41,199 Speaker 1: And that's when you have to sit down and have go. 484 00:23:41,720 --> 00:23:42,520 Speaker 1: You have to have faith. 485 00:23:42,680 --> 00:23:45,040 Speaker 3: But faith has to have a plan attached to it, 486 00:23:45,440 --> 00:23:47,480 Speaker 3: because you can pray all you want if that plan 487 00:23:47,600 --> 00:23:50,159 Speaker 3: is not associated with that, with that, with that, with 488 00:23:50,240 --> 00:23:51,400 Speaker 3: that faith and guess. 489 00:23:51,160 --> 00:23:55,000 Speaker 1: What that action there you go right there. Now, here's 490 00:23:55,040 --> 00:23:55,840 Speaker 1: here's the thing about it. 491 00:23:55,880 --> 00:23:58,359 Speaker 3: Because I'm really enjoying this interview because of the fact 492 00:23:58,359 --> 00:24:01,240 Speaker 3: that I'm being educated, and I think that's important that 493 00:24:01,640 --> 00:24:04,200 Speaker 3: people understand that the purpose of this show is that 494 00:24:04,480 --> 00:24:06,760 Speaker 3: I don't know everything. So I bring people like miss 495 00:24:06,800 --> 00:24:10,600 Speaker 3: Blanchard onto the show. Who who is doing something I've 496 00:24:10,640 --> 00:24:14,520 Speaker 3: been involved with several times as a guy who wanted 497 00:24:14,520 --> 00:24:16,439 Speaker 3: to buy a home. Now, I want to ask you 498 00:24:16,480 --> 00:24:19,480 Speaker 3: this question. That big old stack of paper, you know, 499 00:24:19,880 --> 00:24:23,639 Speaker 3: because I'm signing you said something like usham makes sure 500 00:24:23,640 --> 00:24:25,359 Speaker 3: you go to that page and make sure you're about 501 00:24:25,359 --> 00:24:28,399 Speaker 3: to fix interest rate? Are there people out there we 502 00:24:28,400 --> 00:24:31,280 Speaker 3: should be worried about when they slide those closing papers 503 00:24:31,280 --> 00:24:31,920 Speaker 3: in front of us. 504 00:24:32,720 --> 00:24:37,840 Speaker 4: Absolutely, well, you're the thing, not the things in papers. 505 00:24:38,040 --> 00:24:42,320 Speaker 4: Because the Frank God asked back in two thousand and 506 00:24:44,040 --> 00:24:47,600 Speaker 4: I think it was nine ten when it was passed, 507 00:24:47,960 --> 00:24:51,480 Speaker 4: eliminated that. So at least now before you go to closing, 508 00:24:51,600 --> 00:24:56,119 Speaker 4: before you go to closing, three days before, three business 509 00:24:56,160 --> 00:25:00,840 Speaker 4: days before included we can count saturdays, you have to 510 00:25:00,920 --> 00:25:04,199 Speaker 4: see your initial clothes and clothed and disclosure. But that 511 00:25:04,320 --> 00:25:08,680 Speaker 4: initial disclosure is going to give you what that loan estimate. 512 00:25:08,800 --> 00:25:12,320 Speaker 4: That that loan estimate that you have that was in 513 00:25:12,400 --> 00:25:16,800 Speaker 4: your first documentary side I call those the money pages. 514 00:25:16,960 --> 00:25:20,080 Speaker 4: At closing, the two things that are most important are 515 00:25:20,119 --> 00:25:22,760 Speaker 4: going to be your note, which is one which is 516 00:25:22,800 --> 00:25:24,800 Speaker 4: one to close and disclosure. The CD is going to 517 00:25:24,800 --> 00:25:28,880 Speaker 4: be your note and your payment. And but the biggest 518 00:25:28,920 --> 00:25:32,480 Speaker 4: thing is that close and disclosure. You should have seen 519 00:25:32,560 --> 00:25:34,760 Speaker 4: it from your loan estimate. And what you want to 520 00:25:34,800 --> 00:25:37,600 Speaker 4: really look at, it's just you want to look at points. 521 00:25:37,600 --> 00:25:39,800 Speaker 4: You want to look at how much you pay in 522 00:25:39,880 --> 00:25:43,240 Speaker 4: the origination, how much are you paying a discount points? 523 00:25:43,680 --> 00:25:46,840 Speaker 4: So that is crucial. And every you know, everybody is 524 00:25:47,040 --> 00:25:50,040 Speaker 4: everybody is not created equal, you know, and you know 525 00:25:50,200 --> 00:25:52,119 Speaker 4: a lot of times that's one of the reasons what 526 00:25:52,200 --> 00:25:55,359 Speaker 4: my course that I tell people, keep your pipeline, stat 527 00:25:56,160 --> 00:25:59,639 Speaker 4: keep keep loans coming in so that you're not feeling 528 00:25:59,720 --> 00:26:02,080 Speaker 4: death for it, like, oh my gosh, I got this 529 00:26:02,240 --> 00:26:05,280 Speaker 4: one loan and if it doesn't close, there's my mortgagees 530 00:26:05,400 --> 00:26:06,200 Speaker 4: everything I need. 531 00:26:06,480 --> 00:26:06,800 Speaker 9: You got. 532 00:26:06,920 --> 00:26:07,760 Speaker 1: You have to stay. 533 00:26:07,920 --> 00:26:09,720 Speaker 4: You got to stay busy. You're going to stay with 534 00:26:09,800 --> 00:26:13,639 Speaker 4: your pointeline. But that closing disclosure, you should could be 535 00:26:13,680 --> 00:26:16,520 Speaker 4: able to compare it to your loan estimate and your 536 00:26:16,640 --> 00:26:20,040 Speaker 4: numbers should change. The always tell my clients the thing 537 00:26:20,480 --> 00:26:25,879 Speaker 4: the lender fees and box eight hundred, those are my fees. 538 00:26:26,160 --> 00:26:29,960 Speaker 4: Those can't change. Now I can't I won't know what 539 00:26:30,080 --> 00:26:34,200 Speaker 4: your insurance, your insurance is until you know, you get 540 00:26:34,200 --> 00:26:37,160 Speaker 4: your homeowners insurance and then your tax bill. I look 541 00:26:37,240 --> 00:26:40,320 Speaker 4: up the tax bill before I send out your disclosures 542 00:26:40,320 --> 00:26:43,400 Speaker 4: because I like you to know really what your taxes are. 543 00:26:43,680 --> 00:26:46,520 Speaker 4: The new construction, we can't. We don't know, but I 544 00:26:46,600 --> 00:26:48,720 Speaker 4: try and give people a good idea of what that 545 00:26:48,840 --> 00:26:52,720 Speaker 4: monthly payment is and what the estimated caster closes so 546 00:26:52,800 --> 00:26:56,040 Speaker 4: that they're no surprises. And that's what's happening back door. 547 00:26:56,040 --> 00:27:00,200 Speaker 4: In the recession, people were just you know, vambuzled at 548 00:27:00,200 --> 00:27:02,840 Speaker 4: the closing table under pressure and they were signing and 549 00:27:02,880 --> 00:27:04,320 Speaker 4: they didn't know what they were signing. 550 00:27:05,200 --> 00:27:07,399 Speaker 3: Well, as we close out our interview, give us one 551 00:27:07,400 --> 00:27:10,080 Speaker 3: more time. How we can reach you in the program 552 00:27:10,160 --> 00:27:13,119 Speaker 3: six Months to six figures, A Loan Officer's Guide to 553 00:27:13,200 --> 00:27:14,159 Speaker 3: Profitable Business. 554 00:27:14,960 --> 00:27:18,919 Speaker 4: Absolutely, you can reach me at info at MF Madison c. 555 00:27:19,400 --> 00:27:24,080 Speaker 4: Chase those info at Mccapitalidvisors dot com seven seven zero 556 00:27:24,160 --> 00:27:26,439 Speaker 4: eight five one nine three three four and then you 557 00:27:26,480 --> 00:27:29,720 Speaker 4: can go to Madison Chase Academy dot com for the course. 558 00:27:30,040 --> 00:27:31,800 Speaker 1: Well, I want to thank you for coming on my show. 559 00:27:31,840 --> 00:27:33,520 Speaker 1: It's been wonderful talking to you. 560 00:27:33,960 --> 00:27:34,920 Speaker 4: It was a pleasure. 561 00:27:35,200 --> 00:27:37,720 Speaker 1: Thank you for coming on Money Making Conversation Master Pass so. 562 00:27:37,760 --> 00:27:40,280 Speaker 4: Much for having me and I will be happy to 563 00:27:40,280 --> 00:27:41,800 Speaker 4: come back anytime, any place. 564 00:27:41,840 --> 00:27:44,520 Speaker 1: You just let me know absolutely, you you you you 565 00:27:44,680 --> 00:27:47,760 Speaker 1: Molo decks. Okay, bye, thank you for coming on the show. 566 00:27:48,800 --> 00:27:58,639 Speaker 6: Wow, We'll be right back with more money making conversations 567 00:27:58,760 --> 00:28:00,840 Speaker 6: Masterclass went three show on McDonald. 568 00:28:01,400 --> 00:28:05,199 Speaker 10: HBCUs represent Black excellence. If you attend or are an 569 00:28:05,200 --> 00:28:07,960 Speaker 10: alumnus of an HBCU, we want to. 570 00:28:07,960 --> 00:28:09,320 Speaker 1: Hear about your story. 571 00:28:09,400 --> 00:28:14,240 Speaker 10: The MYHBCU Story Digital Library will allow current HBCU students 572 00:28:14,240 --> 00:28:16,320 Speaker 10: and alumni to share their stories. 573 00:28:16,520 --> 00:28:18,440 Speaker 1: Registration is open to everyone. 574 00:28:18,600 --> 00:28:22,520 Speaker 10: More information is available at HBCU college day dot com. 575 00:28:22,520 --> 00:28:26,159 Speaker 10: Click my HBCU Story. Next, you can upload a photo. 576 00:28:26,280 --> 00:28:29,200 Speaker 10: The photo can be recent or from when you attended 577 00:28:29,240 --> 00:28:33,399 Speaker 10: your HBCU. Then share your academic or social experience at 578 00:28:33,480 --> 00:28:37,480 Speaker 10: your HBCU, which can be your favorite class, hangout, joint, 579 00:28:37,560 --> 00:28:41,760 Speaker 10: homecoming game, student center, honor, off campus party, greek show, 580 00:28:41,960 --> 00:28:45,440 Speaker 10: and how attending an HBCU changed your life. We also 581 00:28:45,480 --> 00:28:49,080 Speaker 10: want to hear stories if you pleasure a fraternity or sorority. 582 00:28:49,160 --> 00:28:52,400 Speaker 10: The goal is to use your my HBCU story to 583 00:28:52,520 --> 00:28:57,000 Speaker 10: promote and uplift the HBCU brand. Your HBCU prepared you 584 00:28:57,240 --> 00:29:00,520 Speaker 10: for success, and now we want everyone to reach about 585 00:29:00,520 --> 00:29:05,200 Speaker 10: your black excellence. More information is available at HBCU College 586 00:29:05,280 --> 00:29:08,720 Speaker 10: day dot com. You can click my HBCU story to 587 00:29:08,800 --> 00:29:09,840 Speaker 10: share your story. 588 00:29:10,960 --> 00:29:15,920 Speaker 6: Now let's return to Money Making Conversations Masterclass with Rashaan McDonald. 589 00:29:16,080 --> 00:29:17,400 Speaker 1: I'm telling my next guest. 590 00:29:17,560 --> 00:29:20,560 Speaker 3: I will honestly tell you I've been trying to get 591 00:29:20,560 --> 00:29:24,000 Speaker 3: her on the show. I think it started in March, 592 00:29:24,520 --> 00:29:28,640 Speaker 3: and we've got I booked her and there was no bookings. 593 00:29:28,640 --> 00:29:30,840 Speaker 3: But let me just get her rolling because I got her. 594 00:29:30,840 --> 00:29:31,120 Speaker 1: Now. 595 00:29:31,640 --> 00:29:34,280 Speaker 3: My guest name is Jasmine Brown. We'll be discussing multiple 596 00:29:34,280 --> 00:29:36,480 Speaker 3: streams of income. Like I said right before the break, 597 00:29:36,760 --> 00:29:40,280 Speaker 3: Jason Brown is an actress. Start in Tyler Perry's Zatima. 598 00:29:40,400 --> 00:29:43,520 Speaker 3: I think there's Zatomo. She has sisters and movies like 599 00:29:43,560 --> 00:29:46,640 Speaker 3: House Party. She is a writer, producer, stand up comedian 600 00:29:46,640 --> 00:29:49,080 Speaker 3: with a tour called rent du I list the name 601 00:29:49,080 --> 00:29:50,800 Speaker 3: of the comedy too. I missed her when she came 602 00:29:50,840 --> 00:29:54,240 Speaker 3: through town. She's a social media influencer. She's created on 603 00:29:54,400 --> 00:29:59,080 Speaker 3: alter ego by the Turnmite, Reggie and miss Turn Up 604 00:29:59,480 --> 00:30:02,440 Speaker 3: Jasmine to build a whole new audience by simply being 605 00:30:02,520 --> 00:30:05,840 Speaker 3: herself from social media to the stand up comedy stage. 606 00:30:05,920 --> 00:30:09,080 Speaker 3: She's a lawyeral following built on Instagram accounts. This turn 607 00:30:09,160 --> 00:30:12,640 Speaker 3: up has I believe, over seven hundred thousand followers, and 608 00:30:12,720 --> 00:30:15,640 Speaker 3: her watch Jazzy page has I bleed like one point 609 00:30:15,680 --> 00:30:19,920 Speaker 3: three million followers. Please work with the money making conversations, masterclass, 610 00:30:20,040 --> 00:30:21,080 Speaker 3: Miss Jasmine Brown. 611 00:30:21,080 --> 00:30:22,080 Speaker 1: How you doing, Miss Brown? 612 00:30:23,080 --> 00:30:26,040 Speaker 5: Oh my goodness, can you just introduce me everywhere I go? 613 00:30:26,080 --> 00:30:27,880 Speaker 3: I'm gonna tell you so, I'm Jason. When I stopped 614 00:30:27,880 --> 00:30:32,400 Speaker 3: doing stand up comedy, Steve Harvey refused. He said, Rashan, 615 00:30:32,520 --> 00:30:34,240 Speaker 3: you might not do stand up anymore, but I want 616 00:30:34,280 --> 00:30:37,320 Speaker 3: you introducing me all the time. And so even though 617 00:30:37,320 --> 00:30:40,480 Speaker 3: I stopped doing stand up, he would always ask me. 618 00:30:40,560 --> 00:30:42,440 Speaker 3: We went on tour for like three years, I'd stopped 619 00:30:42,480 --> 00:30:44,680 Speaker 3: doing stand up, and I would walk out on the state. 620 00:30:44,720 --> 00:30:46,520 Speaker 3: I wouldn't tell you no jokes. And so when I 621 00:30:46,520 --> 00:30:48,320 Speaker 3: would walk out on the stage, people just standing man, 622 00:30:48,360 --> 00:30:49,160 Speaker 3: why this guy out there? 623 00:30:49,400 --> 00:30:50,560 Speaker 1: And boy, by the. 624 00:30:50,520 --> 00:30:53,560 Speaker 3: Time I finished that Introy, they were standing up there 625 00:30:53,560 --> 00:30:54,640 Speaker 3: giving him a standing ovation. 626 00:30:54,800 --> 00:30:57,680 Speaker 1: Steve Harvey, So believe. 627 00:30:57,400 --> 00:31:00,640 Speaker 3: Me, miss Brown, whenever you need to be introduced, And 628 00:31:00,680 --> 00:31:03,040 Speaker 3: you said Rashaan McDonald, Will you come introduce me. 629 00:31:03,520 --> 00:31:04,520 Speaker 1: I will fly there. 630 00:31:04,600 --> 00:31:06,680 Speaker 3: I'll be there for you because I know how to 631 00:31:06,680 --> 00:31:08,920 Speaker 3: bring a star on stage, and you, my friend. 632 00:31:08,760 --> 00:31:09,320 Speaker 1: Are star. 633 00:31:10,040 --> 00:31:12,880 Speaker 5: Oh thank you, I know that's right. 634 00:31:12,920 --> 00:31:15,040 Speaker 4: How you doing? Thank you for having me. I'm happy 635 00:31:15,080 --> 00:31:16,360 Speaker 4: that we finally got the extra pack. 636 00:31:16,560 --> 00:31:18,440 Speaker 3: Well, you know, you know, I've been doing my little 637 00:31:18,440 --> 00:31:21,160 Speaker 3: love research, you know, dropping, you know, your little interviews 638 00:31:21,200 --> 00:31:24,040 Speaker 3: on YouTube here and now watching your little career. I'm 639 00:31:24,040 --> 00:31:27,240 Speaker 3: gonna say, I say little in the humorous manner, pop 640 00:31:27,320 --> 00:31:29,720 Speaker 3: up and down and grow, because anybody got one point 641 00:31:29,760 --> 00:31:32,480 Speaker 3: three million follows on Instagram and got a little career, 642 00:31:32,960 --> 00:31:35,520 Speaker 3: they are booming, booming, booming, booming. 643 00:31:35,920 --> 00:31:36,960 Speaker 1: Now you're from Florida. 644 00:31:37,000 --> 00:31:39,800 Speaker 5: Correct and correct and don't ever get a twister. 645 00:31:40,120 --> 00:31:43,280 Speaker 1: Okay, well look all ready threatening me. See that's the 646 00:31:43,320 --> 00:31:45,160 Speaker 1: sad part about certain people. You know. 647 00:31:45,360 --> 00:31:48,200 Speaker 3: Miss turn Up just hopped on my interview. I thought 648 00:31:48,240 --> 00:31:50,040 Speaker 3: I was talking to Miss Jablin and Brine, but Miss 649 00:31:50,040 --> 00:31:52,560 Speaker 3: turn Up she gonna come in and start taking over 650 00:31:52,600 --> 00:31:55,000 Speaker 3: the show. We're gonna talk about those other characters in 651 00:31:55,000 --> 00:31:57,160 Speaker 3: a minute, turn Out and Reggie in a minute. But 652 00:31:57,240 --> 00:32:00,800 Speaker 3: let's talk about you, my friend, because what were you 653 00:32:00,920 --> 00:32:03,240 Speaker 3: doing before stand up comedy? 654 00:32:03,240 --> 00:32:03,920 Speaker 1: What were you doing? 655 00:32:04,440 --> 00:32:04,640 Speaker 8: Oh? 656 00:32:05,080 --> 00:32:10,720 Speaker 5: Okay, before stand up? Honestly, I was just auditioning, auditioning 657 00:32:10,800 --> 00:32:14,680 Speaker 5: and taking acting classes because I cannot stress and express 658 00:32:14,800 --> 00:32:18,960 Speaker 5: enough how important it is for you to stay in class. 659 00:32:19,400 --> 00:32:21,200 Speaker 5: I haven't found anybody since I've been in the A, 660 00:32:21,520 --> 00:32:24,040 Speaker 5: but I'm sure that there's a ton of amazing acting 661 00:32:24,040 --> 00:32:27,840 Speaker 5: coaches out here. But just saying, what about. 662 00:32:27,600 --> 00:32:29,760 Speaker 1: Florida though you in the A now, but. 663 00:32:30,120 --> 00:32:32,800 Speaker 5: What no, no, no, no, no no no, what about that? 664 00:32:32,840 --> 00:32:34,920 Speaker 1: Don't get it twisted state Florida? 665 00:32:35,040 --> 00:32:37,920 Speaker 5: Okay, yeah, yeah, that's what That's where I was studying. 666 00:32:37,920 --> 00:32:41,040 Speaker 5: So I studied as an actress program called the Actress 667 00:32:41,040 --> 00:32:44,880 Speaker 5: Workshop of South Florida. Yes, it was a very amazing 668 00:32:44,880 --> 00:32:47,400 Speaker 5: my acting coach, God bless her, so she, you know, 669 00:32:47,840 --> 00:32:51,040 Speaker 5: was laid to rest a couple of years back. The 670 00:32:51,160 --> 00:32:54,120 Speaker 5: program hasn't really hasn't gone anywhere since then because she 671 00:32:54,280 --> 00:32:57,600 Speaker 5: was everything to the program. However, that's what I was doing, 672 00:32:57,680 --> 00:33:02,000 Speaker 5: just auditioning and grinding and also and you know before 673 00:33:02,280 --> 00:33:02,800 Speaker 5: you weren't. 674 00:33:02,600 --> 00:33:04,000 Speaker 1: Doing stand up though you were not. 675 00:33:03,880 --> 00:33:06,400 Speaker 5: Doing I was not doing stand up. I was just 676 00:33:06,800 --> 00:33:09,960 Speaker 5: I was just sharpening my tools, just waiting for waiting 677 00:33:09,960 --> 00:33:13,080 Speaker 5: for the opportunity, staying in the lab, making sure I'm auditioning, 678 00:33:13,240 --> 00:33:16,040 Speaker 5: and then you know, when the stand up opportunity came about, 679 00:33:16,080 --> 00:33:19,240 Speaker 5: it's because I was putting my characters out there and 680 00:33:19,360 --> 00:33:22,400 Speaker 5: somebody saw Toya turn Up and was like, we would 681 00:33:22,400 --> 00:33:24,200 Speaker 5: love to put her on the stage. 682 00:33:24,360 --> 00:33:28,080 Speaker 3: And I get hold on, hold on for first of all, 683 00:33:28,320 --> 00:33:31,120 Speaker 3: because you I love people who like, they know they career, 684 00:33:31,120 --> 00:33:33,080 Speaker 3: they know their story, but they don't put no years, 685 00:33:33,280 --> 00:33:36,920 Speaker 3: they don't put those full years. Okay, okay, when did 686 00:33:36,960 --> 00:33:39,760 Speaker 3: you hit the stage? When did you start miss turn Up? 687 00:33:40,080 --> 00:33:42,880 Speaker 3: And you dropped it on social media? Obviously people started 688 00:33:42,920 --> 00:33:45,600 Speaker 3: falling in love with it. So when did that happen? 689 00:33:45,600 --> 00:33:46,680 Speaker 3: When did that start happening? 690 00:33:47,560 --> 00:33:52,880 Speaker 5: Oh my goodness. Okay, man, it was a long time 691 00:33:52,880 --> 00:33:56,120 Speaker 5: ago because it was before I felt like it was 692 00:33:56,960 --> 00:34:01,800 Speaker 5: before Instagram. I was just creating these characters. The Toya 693 00:34:01,920 --> 00:34:05,320 Speaker 5: was created. You know when I was a child, right 694 00:34:05,400 --> 00:34:08,319 Speaker 5: and you know, I grew up in South Florida. I 695 00:34:08,360 --> 00:34:11,760 Speaker 5: lived in West Palm and I lived in the hood, and. 696 00:34:11,640 --> 00:34:16,200 Speaker 3: Like I would be outside brown you didn't want to 697 00:34:16,200 --> 00:34:17,560 Speaker 3: get the hood out. Really, we had to go home 698 00:34:17,560 --> 00:34:19,160 Speaker 3: and just pull that out of here. I knew you 699 00:34:19,239 --> 00:34:21,080 Speaker 3: which Paul beat you a hood? Now, I knew that 700 00:34:21,120 --> 00:34:21,400 Speaker 3: right now. 701 00:34:21,520 --> 00:34:23,800 Speaker 5: Yeah, I grew up in the hood. So Toya was 702 00:34:23,840 --> 00:34:27,160 Speaker 5: sub consciously being created this entire time. So once I 703 00:34:27,239 --> 00:34:30,960 Speaker 5: finally put the character together with my allowance money, with 704 00:34:31,080 --> 00:34:33,560 Speaker 5: getting you know, buying wigs and doing things like that, 705 00:34:33,680 --> 00:34:36,120 Speaker 5: Toya was around for a very long time. So once 706 00:34:36,120 --> 00:34:38,080 Speaker 5: I started putting her on YouTube and I built the 707 00:34:38,120 --> 00:34:40,759 Speaker 5: courage to actually like show her to the world, then 708 00:34:40,880 --> 00:34:44,000 Speaker 5: I got the likes of a lot of people, and 709 00:34:44,200 --> 00:34:47,120 Speaker 5: it just it just went from there. But this was, man, 710 00:34:47,160 --> 00:34:49,200 Speaker 5: you want me to put a time on it. I can't, Man, 711 00:34:49,239 --> 00:34:49,600 Speaker 5: what is it? 712 00:34:49,640 --> 00:34:50,600 Speaker 4: We twenty twenty three? 713 00:34:50,680 --> 00:34:53,719 Speaker 5: This was Oh my goodness, this was I can't even 714 00:34:53,760 --> 00:34:55,200 Speaker 5: tell you two thousand and what. 715 00:34:55,520 --> 00:34:58,600 Speaker 3: But then but then they started, the comedy club owners 716 00:34:58,640 --> 00:35:03,080 Speaker 3: started seeing you. Now, now, now that's that's a that's 717 00:35:03,080 --> 00:35:06,600 Speaker 3: a transition from a character to a stand up comedy routine, 718 00:35:06,800 --> 00:35:10,040 Speaker 3: okay for sure, because now you know, because you know, 719 00:35:10,120 --> 00:35:12,360 Speaker 3: you can't just come on stage as Misturn up, you know, 720 00:35:12,400 --> 00:35:15,280 Speaker 3: because that's a hard character to keep going for that long. 721 00:35:15,840 --> 00:35:18,120 Speaker 1: So who, so says who? 722 00:35:18,239 --> 00:35:18,439 Speaker 9: Who? 723 00:35:19,360 --> 00:35:19,640 Speaker 5: Who? 724 00:35:19,719 --> 00:35:21,719 Speaker 1: Oh excuse me, let me talk to miss turn up 725 00:35:21,719 --> 00:35:22,279 Speaker 1: am I talking to? 726 00:35:22,320 --> 00:35:22,680 Speaker 4: Turn up? 727 00:35:22,719 --> 00:35:24,359 Speaker 1: Now a jazzmine? What am I talking right now? 728 00:35:25,160 --> 00:35:28,359 Speaker 5: Listen for me? For me, it was just storytelling. I 729 00:35:28,400 --> 00:35:32,879 Speaker 5: created such a just a variety of content that all 730 00:35:32,920 --> 00:35:34,600 Speaker 5: I really had to do was go in and take 731 00:35:34,640 --> 00:35:37,120 Speaker 5: my videos and put them into and piece them together. 732 00:35:37,360 --> 00:35:39,879 Speaker 5: But all I did was tell stories. I would tell 733 00:35:39,880 --> 00:35:41,960 Speaker 5: about three four stories and that would be about an 734 00:35:41,960 --> 00:35:44,680 Speaker 5: hour long. Sometimes they would have to be off the stage, 735 00:35:44,760 --> 00:35:46,600 Speaker 5: like we gotta, we gotta get out of here, because 736 00:35:46,600 --> 00:35:48,440 Speaker 5: I didn't really you know, I didn't really know how 737 00:35:48,480 --> 00:35:50,799 Speaker 5: to stop, you know, but people were like, man, I 738 00:35:50,840 --> 00:35:52,319 Speaker 5: know people who've been in the game for a long 739 00:35:52,360 --> 00:35:54,799 Speaker 5: time who can't do a solid forty five minutes. 740 00:35:55,200 --> 00:35:57,960 Speaker 3: Well, the one gift I've not seen your show, but 741 00:35:58,000 --> 00:36:00,440 Speaker 3: I have to believe that your improvisation was gills have 742 00:36:00,520 --> 00:36:02,359 Speaker 3: to be pretty off the chart and that. 743 00:36:02,440 --> 00:36:07,480 Speaker 1: Really oh correct. Yeah, I know. 744 00:36:07,520 --> 00:36:09,719 Speaker 3: Because of the fact that if anybody doesn't know what 745 00:36:09,800 --> 00:36:12,600 Speaker 3: improv is, I always tell people a great person that improv. 746 00:36:12,920 --> 00:36:16,080 Speaker 3: You know, you'll see some people they're they're that's how 747 00:36:16,120 --> 00:36:18,560 Speaker 3: you're doing an audience, and then they'll say something rude 748 00:36:18,560 --> 00:36:20,560 Speaker 3: back to them. That's not in profit, that's not improfit. 749 00:36:20,760 --> 00:36:22,600 Speaker 3: I always tell people, if you if you can, if 750 00:36:22,640 --> 00:36:26,240 Speaker 3: you can take an improv or reaction to an audience 751 00:36:26,280 --> 00:36:30,000 Speaker 3: member three sentences or three lines, now that's a bit. 752 00:36:30,080 --> 00:36:33,520 Speaker 3: Now that's a bit. And so the person I'm talking 753 00:36:33,520 --> 00:36:35,840 Speaker 3: to on the phone, the way she's talking and the 754 00:36:35,840 --> 00:36:39,760 Speaker 3: way she's articulating, lets me know that she can see something. 755 00:36:39,840 --> 00:36:42,760 Speaker 3: She can take a reaction and it becomes a story, 756 00:36:43,120 --> 00:36:46,360 Speaker 3: and she puts that story into her vernacular and gets 757 00:36:46,360 --> 00:36:50,480 Speaker 3: what she's able to make it relatable to everybody in 758 00:36:50,480 --> 00:36:53,480 Speaker 3: the room. That's a gift that most people don't understand, 759 00:36:53,800 --> 00:36:56,279 Speaker 3: and that's what she has. That's why she's able to 760 00:36:56,320 --> 00:36:59,759 Speaker 3: take this character ms turn up and turn it into 761 00:37:00,400 --> 00:37:02,799 Speaker 3: an extended piece. That's why she said, Rashan, you don't 762 00:37:02,840 --> 00:37:05,040 Speaker 3: know what you're talking about. You know, I happy on 763 00:37:05,040 --> 00:37:08,040 Speaker 3: that stage three stories in, I'm made forty five, when 764 00:37:08,080 --> 00:37:09,520 Speaker 3: I'm forty five and three stories in? 765 00:37:09,800 --> 00:37:13,080 Speaker 1: Because am I correct? I've not misspoken. I have a 766 00:37:13,120 --> 00:37:13,719 Speaker 1: miss turn up. 767 00:37:15,280 --> 00:37:17,560 Speaker 5: No, you're correct, You're saying everything. 768 00:37:17,239 --> 00:37:20,040 Speaker 1: Right, because you know what continued. 769 00:37:20,960 --> 00:37:23,040 Speaker 5: What's so beautiful about it is the fact that I've 770 00:37:23,280 --> 00:37:25,960 Speaker 5: I was able to create such an online presence. I 771 00:37:26,000 --> 00:37:28,799 Speaker 5: had the luxury of performing in front of my own fans. 772 00:37:29,040 --> 00:37:31,279 Speaker 5: So the people that came out to see me were 773 00:37:31,280 --> 00:37:33,800 Speaker 5: people that knew who I was, that were already excited, 774 00:37:34,320 --> 00:37:38,040 Speaker 5: and you know, they were just ready for whatever. So 775 00:37:38,080 --> 00:37:40,080 Speaker 5: that that was the beautiful thing about it. I got 776 00:37:40,080 --> 00:37:42,400 Speaker 5: to meet the people whose lives I was able I 777 00:37:42,520 --> 00:37:46,400 Speaker 5: was touching over years, you know, so, and you know, 778 00:37:47,040 --> 00:37:48,680 Speaker 5: it was just really it. 779 00:37:48,640 --> 00:37:51,160 Speaker 3: Really is really is amazing what she's talking about, because 780 00:37:51,600 --> 00:37:54,640 Speaker 3: you know, I grew up in doing stand up comedy 781 00:37:54,640 --> 00:37:57,360 Speaker 3: for deaf comedy jams. So most of the comedy clubs 782 00:37:57,400 --> 00:38:00,160 Speaker 3: I performed in were white. They weren't comedy clubs. And 783 00:38:00,239 --> 00:38:03,040 Speaker 3: you knew, you knew when I came in the city 784 00:38:03,480 --> 00:38:05,400 Speaker 3: that when I started seeing more and more black people 785 00:38:05,400 --> 00:38:07,640 Speaker 3: in the audience, you knew they came to see me, 786 00:38:08,080 --> 00:38:10,120 Speaker 3: they came to see me in particular. So I could 787 00:38:10,160 --> 00:38:12,839 Speaker 3: just tell right there, okay, yeah, this room mers twenty 788 00:38:12,840 --> 00:38:13,799 Speaker 3: five percent black now. 789 00:38:14,080 --> 00:38:15,640 Speaker 1: And the club owner would tell me where you know 790 00:38:16,080 --> 00:38:17,479 Speaker 1: you was showing you have a lot of people showing 791 00:38:17,520 --> 00:38:18,719 Speaker 1: up to see I knew them. I could see them. 792 00:38:18,719 --> 00:38:22,400 Speaker 3: They're black like there and so, and that made me 793 00:38:22,440 --> 00:38:25,120 Speaker 3: feel good because you know, they buy my merchandise, They 794 00:38:25,239 --> 00:38:28,120 Speaker 3: stay after the show, shake my hand, wanted to take photos. 795 00:38:28,520 --> 00:38:31,160 Speaker 3: It was kind of a loyalty that you know, was 796 00:38:31,239 --> 00:38:34,680 Speaker 3: done way before Twitter, way before all these things. 797 00:38:35,120 --> 00:38:36,040 Speaker 1: I have my little cars. 798 00:38:36,120 --> 00:38:38,080 Speaker 3: I said I'd mail them out to everybody, let them 799 00:38:38,120 --> 00:38:41,640 Speaker 3: know I was coming into town. That was my marketing plan. Now, 800 00:38:42,000 --> 00:38:45,440 Speaker 3: as you start building this relationship, when did you knew 801 00:38:45,760 --> 00:38:48,240 Speaker 3: or know that you had something special here, miss Brown? 802 00:38:48,840 --> 00:38:51,719 Speaker 5: You know, honestly, I didn't know. I just I just 803 00:38:51,800 --> 00:38:54,520 Speaker 5: did things that made me feel good, right, and it 804 00:38:54,560 --> 00:38:57,200 Speaker 5: made me feel good to play different characters. It made 805 00:38:57,280 --> 00:38:59,840 Speaker 5: me feel good to make people laugh, even if it 806 00:38:59,880 --> 00:39:02,960 Speaker 5: was as my family members. I never thought it was 807 00:39:03,000 --> 00:39:06,920 Speaker 5: anything special until people told me it was special. Because 808 00:39:06,920 --> 00:39:09,560 Speaker 5: it's like you don't really know you're different, or until 809 00:39:09,880 --> 00:39:11,880 Speaker 5: you start meeting other people that aren't really like you, 810 00:39:12,000 --> 00:39:14,000 Speaker 5: it's like, oh, you can't do voices, or you don't 811 00:39:14,040 --> 00:39:16,520 Speaker 5: know how to do characters like what you think everybody 812 00:39:16,600 --> 00:39:18,799 Speaker 5: can do it, And that's what I saw. I thought 813 00:39:18,800 --> 00:39:21,200 Speaker 5: everybody could do everything the things that I did, So 814 00:39:21,200 --> 00:39:24,319 Speaker 5: it wasn't until people were like, no, Jazz, like, not 815 00:39:24,400 --> 00:39:27,839 Speaker 5: everybody can do that. That's that's when I found out 816 00:39:27,840 --> 00:39:32,959 Speaker 5: that it was actually something you know worth you know, I'm. 817 00:39:32,880 --> 00:39:38,400 Speaker 3: Talking to I'm talking to the multi talented Jasmine Brown 818 00:39:38,600 --> 00:39:41,240 Speaker 3: from West Palm Beach, Florida. Down there in the hood 819 00:39:41,280 --> 00:39:44,960 Speaker 3: down there. She's in the big air. But the beautiful 820 00:39:45,000 --> 00:39:47,279 Speaker 3: thing about her, she's traveling around this country doing her 821 00:39:47,320 --> 00:39:49,360 Speaker 3: stand up common show. I think it's called the Rent 822 00:39:49,400 --> 00:39:49,759 Speaker 3: Dew to. 823 00:39:49,760 --> 00:39:52,120 Speaker 5: Her right, Rent still do? I just wrapped it up 824 00:39:52,560 --> 00:39:53,160 Speaker 5: last month. 825 00:39:53,320 --> 00:39:57,520 Speaker 3: Okay, Okay, okay, okay, really really, really really you could 826 00:39:57,520 --> 00:39:59,359 Speaker 3: have said you didn't have to just do my show 827 00:39:59,400 --> 00:40:00,879 Speaker 3: like that. We shoul Yeah, yeah, go with the flow, 828 00:40:00,920 --> 00:40:02,600 Speaker 3: go with the flow, but you go tell everybody know 829 00:40:02,680 --> 00:40:04,640 Speaker 3: that my show is dated already, you're wrapped it up. 830 00:40:04,640 --> 00:40:06,240 Speaker 1: They can't come see you. 831 00:40:06,360 --> 00:40:08,719 Speaker 5: Yeah, I know. And it's because I have to get 832 00:40:08,760 --> 00:40:12,560 Speaker 5: back to filming. So I was, yeah, so I was like, 833 00:40:12,600 --> 00:40:14,520 Speaker 5: I have a break. Let me let me try to 834 00:40:14,520 --> 00:40:16,400 Speaker 5: go to a couple of my favorite cities and before 835 00:40:16,400 --> 00:40:17,840 Speaker 5: I get back to filming. 836 00:40:18,320 --> 00:40:20,200 Speaker 1: Okay, let me tell you. Let's just's talk about you. 837 00:40:20,280 --> 00:40:24,000 Speaker 3: Because obviously, obviously Rashaul McDonald, it's kind of late on 838 00:40:24,040 --> 00:40:26,359 Speaker 3: the Jasmine train, okay, because really, you know. 839 00:40:26,719 --> 00:40:32,759 Speaker 1: She she can add esus. She has forty five different characters. Jesus, 840 00:40:32,760 --> 00:40:37,760 Speaker 1: she's on all these house party sisters? Is it's a teama? 841 00:40:37,800 --> 00:40:39,520 Speaker 1: What is that? What is the name of that? Tyler Perry? 842 00:40:42,360 --> 00:40:43,959 Speaker 3: I just want to make sure because I'll be honest, 843 00:40:44,000 --> 00:40:46,200 Speaker 3: I've never seen the show. I've never seen the show, 844 00:40:46,640 --> 00:40:49,080 Speaker 3: and so so I want to make sure that I 845 00:40:49,239 --> 00:40:51,359 Speaker 3: not that I've seen sister, I've seen your sisters. Now 846 00:40:51,719 --> 00:40:53,600 Speaker 3: I can't see all the time. Tip Perry got like 847 00:40:53,640 --> 00:40:56,040 Speaker 3: five hundred shows, so you can't see them all. The 848 00:40:56,080 --> 00:40:58,000 Speaker 3: Oval used to be my show. Oval was my show. 849 00:40:58,000 --> 00:41:01,360 Speaker 3: I could miss that show. It was so silly. That 850 00:41:01,440 --> 00:41:03,680 Speaker 3: was my show. And so now when you when you 851 00:41:04,040 --> 00:41:06,640 Speaker 3: the acting part of that's what you started out doing, 852 00:41:07,160 --> 00:41:11,880 Speaker 3: was acting. How did you suddenly get back into the acting. 853 00:41:12,640 --> 00:41:15,080 Speaker 3: Let me ask you this question. Which was taken off first, 854 00:41:15,400 --> 00:41:17,920 Speaker 3: the acting or the stand up comedy. 855 00:41:18,760 --> 00:41:21,240 Speaker 5: The stand up comedy took off and the only reason 856 00:41:21,239 --> 00:41:23,359 Speaker 5: why I even agreed to do it is because they 857 00:41:23,400 --> 00:41:26,480 Speaker 5: told me, well, you'll be playing your character, so technically 858 00:41:26,560 --> 00:41:27,400 Speaker 5: you would be acting. 859 00:41:28,200 --> 00:41:31,080 Speaker 3: Jad The check didn't the check didn't inspire you, The 860 00:41:31,120 --> 00:41:33,680 Speaker 3: money making opportunities didn't inspire you. 861 00:41:33,719 --> 00:41:36,200 Speaker 5: No, I told myself, I said, I'm not a comedian. 862 00:41:36,280 --> 00:41:39,600 Speaker 5: I'm not a stand I do. And he's like, well, technically, 863 00:41:39,880 --> 00:41:42,640 Speaker 5: He's like, you'd be acting, so you would just be 864 00:41:42,719 --> 00:41:45,560 Speaker 5: acting as your character on stage, so technically you're acting. 865 00:41:45,560 --> 00:41:48,560 Speaker 5: And I was like, huh, maybe you're right. I said, okay, 866 00:41:48,600 --> 00:41:50,080 Speaker 5: well i'll try it out for you know, it was 867 00:41:50,120 --> 00:41:52,080 Speaker 5: a weekend. I said, okay, I'll try I'll try it 868 00:41:52,080 --> 00:41:54,080 Speaker 5: out for the weekend and then see how I feel. 869 00:41:54,280 --> 00:41:56,640 Speaker 5: And when I tell you, I blacked out on stage 870 00:41:57,160 --> 00:41:59,560 Speaker 5: and I don't remember what happened, but all I knew 871 00:41:59,800 --> 00:42:04,720 Speaker 5: was that the people went wild and the rest was history. 872 00:42:05,360 --> 00:42:07,520 Speaker 5: It was just a feeling I've never felt before. 873 00:42:07,600 --> 00:42:09,560 Speaker 3: I know that experience the very first time I walked 874 00:42:09,600 --> 00:42:12,120 Speaker 3: on stage, and it was an eighty six, no doubt 875 00:42:12,160 --> 00:42:13,960 Speaker 3: to me, it's eighty one. I walked those stages stand 876 00:42:14,000 --> 00:42:16,160 Speaker 3: up comminations, and I remember I got a standing ovation 877 00:42:16,880 --> 00:42:18,560 Speaker 3: the very first time I walked on stage. And I 878 00:42:18,640 --> 00:42:21,840 Speaker 3: don't remember what I did, but I just know that 879 00:42:21,960 --> 00:42:25,480 Speaker 3: because it's that rush. She's talking about, that ability to 880 00:42:25,520 --> 00:42:28,280 Speaker 3: just make people laugh. Because I've been practicing my stuff 881 00:42:28,280 --> 00:42:30,280 Speaker 3: out in front of my oldest sister and her son. 882 00:42:30,880 --> 00:42:33,680 Speaker 3: I was just practicing every day, getting ready because it 883 00:42:33,760 --> 00:42:36,120 Speaker 3: gave me five minutes, and that five minutes was just 884 00:42:36,120 --> 00:42:38,799 Speaker 3: clicking through real fast. But the laughs kind of like 885 00:42:38,880 --> 00:42:41,040 Speaker 3: extends to five minutes, and they're giving you the life 886 00:42:41,120 --> 00:42:43,600 Speaker 3: because you didn't even got to your last joke and 887 00:42:43,640 --> 00:42:46,120 Speaker 3: you're just trying to build momentum to get off stage 888 00:42:46,200 --> 00:42:49,799 Speaker 3: with the ultimate crescendo, which is applause. That's what you want. 889 00:42:49,840 --> 00:42:52,160 Speaker 3: And my very first show ever did I got a 890 00:42:52,160 --> 00:42:55,120 Speaker 3: standing ovation. I'm not saying that every show after that 891 00:42:55,239 --> 00:42:58,200 Speaker 3: was a standing ovation, because sometimes when you walk on 892 00:42:58,280 --> 00:43:01,960 Speaker 3: stage and you just raw, you just want to just 893 00:43:01,960 --> 00:43:04,360 Speaker 3: just be entertaining, and that's what you that's what you 894 00:43:04,440 --> 00:43:05,720 Speaker 3: was accomplishing at that moment. 895 00:43:05,760 --> 00:43:09,520 Speaker 5: Correct, Yeah, absolutely, I mean you hit it right on 896 00:43:09,600 --> 00:43:09,919 Speaker 5: the head. 897 00:43:10,120 --> 00:43:11,680 Speaker 3: Well cool, Well, when you come back from this break, 898 00:43:11,680 --> 00:43:12,920 Speaker 3: they told me I got to go to breaks, and 899 00:43:12,960 --> 00:43:14,440 Speaker 3: we come back from this break, I got some more 900 00:43:14,480 --> 00:43:17,239 Speaker 3: storytelling because I haven't got the termite yet, I haven't 901 00:43:17,239 --> 00:43:19,120 Speaker 3: got the Reggie yet. And I want to tell you 902 00:43:19,320 --> 00:43:21,600 Speaker 3: because this is about multiple streams of income. See, we're 903 00:43:21,600 --> 00:43:24,279 Speaker 3: about to break it down to everybody right now. As 904 00:43:24,280 --> 00:43:26,520 Speaker 3: she's talking to me, she's making money someplaces of this 905 00:43:26,560 --> 00:43:29,640 Speaker 3: is who I'm talking right now, this multi stream she's 906 00:43:29,680 --> 00:43:32,279 Speaker 3: making mailbox money. That means and when she go to 907 00:43:32,320 --> 00:43:35,080 Speaker 3: the mailbox, it's some way knowing her beside the bill. 908 00:43:35,280 --> 00:43:37,560 Speaker 3: When we come back, Jasaney Brown, she's kicking it in 909 00:43:37,600 --> 00:43:41,680 Speaker 3: the big time world from Florida to the Big A, 910 00:43:41,680 --> 00:43:42,800 Speaker 3: all around the country. 911 00:43:43,120 --> 00:43:46,160 Speaker 1: B E. T. Tyler, Perry, a lot of big names 912 00:43:46,200 --> 00:43:47,960 Speaker 1: tied to this woman's name. She's a baller. 913 00:43:56,400 --> 00:44:00,000 Speaker 6: We'll be right back with more money Making Conversations Masterclass 914 00:44:00,040 --> 00:44:01,279 Speaker 6: with Rushaan McDonald. 915 00:44:03,320 --> 00:44:06,760 Speaker 7: You are now tuned into the Money Making Conversations Minute 916 00:44:06,800 --> 00:44:08,880 Speaker 7: of Inspiration with Rushawn McDonald. 917 00:44:08,960 --> 00:44:12,120 Speaker 3: Longevity is tied to your ability to adapt and change. 918 00:44:12,280 --> 00:44:14,640 Speaker 3: According to Cedric the Entertainer, I want to be a 919 00:44:14,719 --> 00:44:18,239 Speaker 3: little bit more dramatic nowadays. I definitely want something big 920 00:44:18,280 --> 00:44:20,319 Speaker 3: and funny, but I look for things that can just 921 00:44:20,400 --> 00:44:22,600 Speaker 3: have people see me in a different light and let 922 00:44:22,640 --> 00:44:25,600 Speaker 3: me mature as both an entertainer and an actor and 923 00:44:25,640 --> 00:44:26,240 Speaker 3: a comedian. 924 00:44:26,520 --> 00:44:29,440 Speaker 9: My data of believing in the long run, man like, 925 00:44:29,520 --> 00:44:32,880 Speaker 9: you can't necessarily even if you get hits now, and 926 00:44:32,920 --> 00:44:35,400 Speaker 9: you know somebody have a big hit young in their career, 927 00:44:35,600 --> 00:44:38,719 Speaker 9: what's the best thing about having a long career. So 928 00:44:39,080 --> 00:44:41,960 Speaker 9: for Rustine Harvey Show that was on the WB to 929 00:44:42,480 --> 00:44:46,320 Speaker 9: having my show to soul Man that was on TV Land. 930 00:44:46,480 --> 00:44:49,520 Speaker 9: But I've never had anything on one of the big networks. 931 00:44:49,560 --> 00:44:51,000 Speaker 8: I've had deals to this. 932 00:44:51,080 --> 00:44:52,840 Speaker 9: Point in my life to have a show on the 933 00:44:52,920 --> 00:44:55,480 Speaker 9: number one network with a number one new comedy. You 934 00:44:55,600 --> 00:44:56,440 Speaker 9: see a difference. 935 00:44:56,600 --> 00:44:58,960 Speaker 3: If you want to hear this full interview with Cedric 936 00:44:59,000 --> 00:45:02,640 Speaker 3: the Entertainer, visit Money Making Conversation dot com. 937 00:45:02,840 --> 00:45:07,799 Speaker 6: Now let's return to Money Making Conversations Masterclass with Rashaun McDonald. 938 00:45:07,920 --> 00:45:10,920 Speaker 1: I'm talking to Jasmine Brown MS turn up. 939 00:45:11,600 --> 00:45:11,719 Speaker 8: Uh. 940 00:45:12,239 --> 00:45:13,959 Speaker 1: These are characters she developed. 941 00:45:13,600 --> 00:45:16,560 Speaker 11: When she was really really young and uh in uh 942 00:45:16,680 --> 00:45:19,959 Speaker 11: West Palm Beach, Florida. Now she's really she's the grown 943 00:45:20,040 --> 00:45:22,799 Speaker 11: up woman now and she's now making money off these 944 00:45:22,880 --> 00:45:26,320 Speaker 11: characters that she developed really really long way before Instagram. 945 00:45:26,400 --> 00:45:27,520 Speaker 1: She developed these characters. 946 00:45:27,680 --> 00:45:29,719 Speaker 3: These are not characters that she thought of last week 947 00:45:29,840 --> 00:45:32,600 Speaker 3: just so she can build a social media following. In fact, 948 00:45:33,200 --> 00:45:36,000 Speaker 3: she just uploaded these characters. I guess what she was inspired. 949 00:45:36,400 --> 00:45:38,879 Speaker 3: She was motivated because she felt that this is something 950 00:45:38,920 --> 00:45:41,520 Speaker 3: she wanted to share, and because she shared it, guess what, 951 00:45:42,360 --> 00:45:45,960 Speaker 3: her whole world exploded. She just wanted to be an actress, 952 00:45:46,040 --> 00:45:48,400 Speaker 3: and then these club owners started calling and say, hey, 953 00:45:48,680 --> 00:45:50,520 Speaker 3: how about you come over here and grab this check, 954 00:45:50,800 --> 00:45:53,520 Speaker 3: and she resisted it. She resisted it because she wants 955 00:45:53,520 --> 00:45:55,319 Speaker 3: to be an actress. She had the craft that she 956 00:45:55,360 --> 00:45:59,000 Speaker 3: wanted to do, but then she realized she could be funny. 957 00:45:59,200 --> 00:46:01,600 Speaker 3: Now she's towing the She just wrapped up a very 958 00:46:01,600 --> 00:46:05,360 Speaker 3: successful tour because guess what, she's about to start acting again. 959 00:46:05,920 --> 00:46:07,759 Speaker 3: She's about to start doing her thing that she wanted 960 00:46:07,760 --> 00:46:11,120 Speaker 3: to do all her life. But in the meantime, Ms 961 00:46:11,120 --> 00:46:14,480 Speaker 3: Brown is making multiple streams of income. Let me ask 962 00:46:14,520 --> 00:46:17,719 Speaker 3: you some questions, Miss Brown. Do you have merchandise. 963 00:46:19,040 --> 00:46:19,880 Speaker 4: And not anymore? 964 00:46:20,920 --> 00:46:22,680 Speaker 1: So you just don't do it anymore. 965 00:46:24,040 --> 00:46:26,880 Speaker 5: Well, you know, sometimes when you try to just you 966 00:46:26,920 --> 00:46:30,520 Speaker 5: have a bright idea to do stuff, it's not always 967 00:46:30,600 --> 00:46:33,160 Speaker 5: right the first time. It's not always wrong. 968 00:46:33,360 --> 00:46:36,040 Speaker 3: Okay, let's talk about the bad idea because that money 969 00:46:36,040 --> 00:46:38,600 Speaker 3: making conversations masterclass, you know, because I always tell people 970 00:46:38,719 --> 00:46:40,319 Speaker 3: I want people to hear what I did wrong so 971 00:46:40,400 --> 00:46:41,160 Speaker 3: they can do it right. 972 00:46:41,560 --> 00:46:44,120 Speaker 1: So you're successful. You got one point three. 973 00:46:43,920 --> 00:46:46,880 Speaker 3: Million Instagram follow You got over seven hundred thousand followers 974 00:46:47,120 --> 00:46:48,200 Speaker 3: on Miss turn Up. 975 00:46:48,480 --> 00:46:50,480 Speaker 1: So it's a lot of things you're doing right. So 976 00:46:50,520 --> 00:46:54,360 Speaker 1: what did you do wrong in the merchandising merchandising. 977 00:46:53,760 --> 00:46:55,719 Speaker 3: Side of this that you should share with us so 978 00:46:55,760 --> 00:46:57,400 Speaker 3: we can do it right moving forward. 979 00:46:59,320 --> 00:47:02,239 Speaker 5: You know, I said, I feel like I wasn't being original. 980 00:47:02,360 --> 00:47:02,680 Speaker 4: I was. 981 00:47:02,960 --> 00:47:05,800 Speaker 5: I took, I took, you know, I said rent d 982 00:47:06,120 --> 00:47:08,560 Speaker 5: was like what everybody would say. They would say whenever 983 00:47:08,560 --> 00:47:10,520 Speaker 5: they saw me. They would say rand due. So I 984 00:47:10,600 --> 00:47:13,719 Speaker 5: had some RENTDW hats made and I only got a 985 00:47:13,719 --> 00:47:16,680 Speaker 5: couple at a time because I would tell myself, nobody's 986 00:47:16,719 --> 00:47:19,320 Speaker 5: gonna buy these, man, no one's gonna you know, I 987 00:47:19,520 --> 00:47:22,560 Speaker 5: didn't really believe in myself the way other people were 988 00:47:22,600 --> 00:47:25,480 Speaker 5: believing in me, because I was still just at a 989 00:47:25,520 --> 00:47:29,480 Speaker 5: disbelief that people cared enough to even come to my shows. 990 00:47:29,800 --> 00:47:32,440 Speaker 5: So I only got a certain amount made, and obviously 991 00:47:32,440 --> 00:47:34,799 Speaker 5: I think I got like a couple hundred. Obviously they 992 00:47:34,840 --> 00:47:38,440 Speaker 5: all sold out. They sold out, and I was really overwhelmed. 993 00:47:38,480 --> 00:47:40,600 Speaker 5: And I told myself I was going to change the design. 994 00:47:41,280 --> 00:47:43,279 Speaker 5: And then and then I was like, okay, well I'm 995 00:47:43,320 --> 00:47:45,120 Speaker 5: just gonna stall. I'm just gonna sell posters and said, 996 00:47:45,160 --> 00:47:47,120 Speaker 5: So I had posters and I would just sign those 997 00:47:47,560 --> 00:47:49,759 Speaker 5: and I would give them away. But I kind of 998 00:47:50,280 --> 00:47:54,600 Speaker 5: felt funny about charging my people for everything because I said, Okay, 999 00:47:54,600 --> 00:47:56,920 Speaker 5: they gotta come there. They're going to spend all this 1000 00:47:56,960 --> 00:47:59,279 Speaker 5: money there. 1001 00:47:59,080 --> 00:48:02,160 Speaker 1: You know, well be out there selling nothing? Okay. 1002 00:48:02,280 --> 00:48:04,359 Speaker 3: See are you out there selling stuff or you don't 1003 00:48:04,360 --> 00:48:06,560 Speaker 3: want selling stuff or you have somebody that's selling it 1004 00:48:06,760 --> 00:48:07,680 Speaker 3: for you. 1005 00:48:07,680 --> 00:48:08,680 Speaker 5: No, I would be out there. 1006 00:48:09,200 --> 00:48:10,280 Speaker 1: That's the problem. 1007 00:48:10,960 --> 00:48:12,439 Speaker 5: The whole meet and green will be a thing. 1008 00:48:12,719 --> 00:48:14,680 Speaker 3: Yeah, see meet and Greek What they do to this, 1009 00:48:14,760 --> 00:48:16,880 Speaker 3: how the meet and greet really supposed to work. They 1010 00:48:16,960 --> 00:48:19,520 Speaker 3: go over there and buy you nowhere near the by, 1011 00:48:20,040 --> 00:48:22,560 Speaker 3: and when they come over you, they're meeting you after 1012 00:48:22,560 --> 00:48:25,080 Speaker 3: they made the buy. And see that way there's no 1013 00:48:25,160 --> 00:48:27,319 Speaker 3: guilt because the only way they gonna see you after 1014 00:48:27,360 --> 00:48:29,719 Speaker 3: they made the buy. See, that's the whole part of 1015 00:48:29,760 --> 00:48:32,279 Speaker 3: the process. You got to you gotta have one, two, three, 1016 00:48:32,320 --> 00:48:34,040 Speaker 3: four step Cause I've been doing this a long time. 1017 00:48:34,120 --> 00:48:37,000 Speaker 3: So when I say there's a system to it, because reasons, 1018 00:48:37,080 --> 00:48:40,560 Speaker 3: I know there should be merchandisee merchandise involved because you 1019 00:48:40,600 --> 00:48:43,480 Speaker 3: have characters. If you have characters, that means that you 1020 00:48:43,600 --> 00:48:45,840 Speaker 3: have to sit down and go what is my what 1021 00:48:46,000 --> 00:48:46,880 Speaker 3: is my structure? 1022 00:48:46,920 --> 00:48:47,040 Speaker 1: Who? 1023 00:48:47,480 --> 00:48:50,320 Speaker 3: Who who's managing me, not saying that you don't have management, 1024 00:48:50,480 --> 00:48:53,319 Speaker 3: because I don't say that, I will not ever say that. 1025 00:48:53,600 --> 00:48:55,480 Speaker 3: I would just say it's all about structure and what 1026 00:48:55,520 --> 00:48:57,680 Speaker 3: you're trying to accomplish. You have a great PR firm, 1027 00:48:57,719 --> 00:49:00,040 Speaker 3: That's how we met. So I know you got that 1028 00:49:00,080 --> 00:49:02,440 Speaker 3: loan lock. But when it comes to merchandise, that's that 1029 00:49:02,520 --> 00:49:05,640 Speaker 3: mailbox money. That's that money. They go online, they click 1030 00:49:05,680 --> 00:49:09,520 Speaker 3: your website, they buy that that cap, they buy whatever 1031 00:49:09,560 --> 00:49:11,399 Speaker 3: you want to buy, and then they get to wear 1032 00:49:11,600 --> 00:49:12,319 Speaker 3: and they guess what. 1033 00:49:12,480 --> 00:49:15,200 Speaker 1: That's marketing your brand beyond you. 1034 00:49:16,520 --> 00:49:21,919 Speaker 5: Absolutely, So yeah, I'm not gonna bring you. 1035 00:49:21,800 --> 00:49:24,120 Speaker 3: On the show because, like I said, I am so. 1036 00:49:24,840 --> 00:49:27,719 Speaker 3: You know, when in this business, I've been fortunate to 1037 00:49:27,760 --> 00:49:30,200 Speaker 3: meet a lot of superstars. So when I met them, 1038 00:49:30,200 --> 00:49:32,600 Speaker 3: they weren't superstar. They were very talented people who are 1039 00:49:32,600 --> 00:49:33,520 Speaker 3: superstars today. 1040 00:49:33,840 --> 00:49:34,920 Speaker 1: And they all were like you. 1041 00:49:35,800 --> 00:49:38,840 Speaker 3: They all had a vision that was tied to their gift, 1042 00:49:39,480 --> 00:49:42,200 Speaker 3: and they took that gift that God gave them and 1043 00:49:42,239 --> 00:49:42,959 Speaker 3: they worked hard. 1044 00:49:42,960 --> 00:49:44,400 Speaker 1: I'll tell you something I always tell. 1045 00:49:44,239 --> 00:49:47,120 Speaker 3: People that go show you You've been fortunate either build 1046 00:49:47,160 --> 00:49:49,200 Speaker 3: a lot of great careers or have been around people 1047 00:49:49,440 --> 00:49:51,520 Speaker 3: who are talented, who are now great. I always tell people, 1048 00:49:51,560 --> 00:49:54,320 Speaker 3: you cannot win a Kentucky Derby with a mirror, Okay, 1049 00:49:54,360 --> 00:49:56,759 Speaker 3: they gotta be thoroughbreds. They got to be able to 1050 00:49:56,760 --> 00:49:59,319 Speaker 3: be able to run that race. And that's what you are. 1051 00:49:59,360 --> 00:50:03,680 Speaker 3: You are thoroughbred. And I know from my background research 1052 00:50:03,760 --> 00:50:06,000 Speaker 3: on you, you're willing to do the work. So what 1053 00:50:06,120 --> 00:50:07,319 Speaker 3: is the big goal for you? 1054 00:50:07,440 --> 00:50:08,359 Speaker 1: My friend? 1055 00:50:09,400 --> 00:50:09,920 Speaker 4: Honestly? 1056 00:50:10,040 --> 00:50:13,160 Speaker 5: And this is and I tell people this and they 1057 00:50:13,200 --> 00:50:17,920 Speaker 5: think it's funny, but I say that when I can 1058 00:50:18,000 --> 00:50:21,160 Speaker 5: no longer do all the things that I have to 1059 00:50:21,160 --> 00:50:25,600 Speaker 5: be attractive for pretty, for whatever, and I want to 1060 00:50:25,640 --> 00:50:26,560 Speaker 5: be behind the scenes. 1061 00:50:26,880 --> 00:50:27,080 Speaker 9: You know. 1062 00:50:27,239 --> 00:50:30,080 Speaker 5: Writing is probably one of my first loves because I 1063 00:50:30,160 --> 00:50:32,160 Speaker 5: used to journal a lot when I was young, and 1064 00:50:32,160 --> 00:50:34,440 Speaker 5: I used to write poetry as a child, and you know, 1065 00:50:34,600 --> 00:50:37,440 Speaker 5: as a teenager when I started like, you know, getting 1066 00:50:37,440 --> 00:50:41,080 Speaker 5: into relationships and things like that. So writing is probably 1067 00:50:41,680 --> 00:50:44,800 Speaker 5: one of my first loves up there with acting and things. 1068 00:50:45,320 --> 00:50:48,719 Speaker 5: So but I noticed that, you know, being an attractive 1069 00:50:48,800 --> 00:50:51,840 Speaker 5: black female, you know, they they don't want you to 1070 00:50:51,880 --> 00:50:55,920 Speaker 5: do all the things. You know, But when I'm no 1071 00:50:56,000 --> 00:50:58,760 Speaker 5: longer able to do that, and I'm playing somebody's mama 1072 00:50:58,920 --> 00:51:02,319 Speaker 5: and I'm you know, I'm and I just want to 1073 00:51:02,360 --> 00:51:06,359 Speaker 5: just produce and direct, which I'm I'm already not directing yet, 1074 00:51:06,400 --> 00:51:08,719 Speaker 5: but I've already been producing and things. 1075 00:51:09,040 --> 00:51:12,360 Speaker 3: So you've been producing all your life. You've been writing 1076 00:51:12,400 --> 00:51:14,879 Speaker 3: all your life, you know. So that's what I get 1077 00:51:14,880 --> 00:51:17,560 Speaker 3: from these characters you've created, you know, because they came 1078 00:51:17,560 --> 00:51:20,000 Speaker 3: from somewhere. They came from your imagination. But you had 1079 00:51:20,040 --> 00:51:22,320 Speaker 3: to write things now. You had to get these beats, 1080 00:51:22,360 --> 00:51:26,640 Speaker 3: these rhythms and other for they to be manufactured into consistency. 1081 00:51:26,680 --> 00:51:28,400 Speaker 3: Because a lot of people think that it's off the 1082 00:51:28,440 --> 00:51:30,040 Speaker 3: top of your head because you do it so well. 1083 00:51:30,280 --> 00:51:32,200 Speaker 3: But this is something that you've been working on, You've 1084 00:51:32,200 --> 00:51:34,319 Speaker 3: been developing over the years. And I would tell you 1085 00:51:34,360 --> 00:51:36,560 Speaker 3: this from a person. I started out doing stand up 1086 00:51:36,560 --> 00:51:39,440 Speaker 3: comedy and I did Deaf Jam. I did all the 1087 00:51:39,480 --> 00:51:43,960 Speaker 3: comedy shows and and but writing. When I started writing, 1088 00:51:44,000 --> 00:51:46,280 Speaker 3: my first writing assignment was on Me and the Boys 1089 00:51:46,320 --> 00:51:48,960 Speaker 3: with Steve Harvey, and then I did The Parents who 1090 00:51:49,000 --> 00:51:51,600 Speaker 3: were Robert Townsend, and then did all the City Hall 1091 00:51:51,800 --> 00:51:55,160 Speaker 3: sitcom and then I did Sister Sister Tia Tamara Maori, 1092 00:51:55,719 --> 00:51:59,360 Speaker 3: and then I did Jamie Fox Show. I was co 1093 00:51:59,480 --> 00:52:01,440 Speaker 3: executive so on that show and then I was a 1094 00:52:01,440 --> 00:52:05,120 Speaker 3: consultant producer on The Parkers with Monique, and so that 1095 00:52:05,239 --> 00:52:08,560 Speaker 3: whole structure changed my life because it allowed me to 1096 00:52:09,200 --> 00:52:12,600 Speaker 3: true power. You know, I don't care what anybody says. 1097 00:52:12,680 --> 00:52:16,680 Speaker 3: To be able to convince somebody or thousands of people 1098 00:52:16,680 --> 00:52:18,919 Speaker 3: and in some cases millions of people to come back 1099 00:52:19,320 --> 00:52:23,000 Speaker 3: that following week, on that same time slot, on that day. 1100 00:52:23,280 --> 00:52:24,360 Speaker 1: It was really powerful. 1101 00:52:24,680 --> 00:52:28,120 Speaker 3: And I realized that that's pretty amazing. And it's pretty 1102 00:52:28,160 --> 00:52:30,279 Speaker 3: amazing for people to come to a comedy club and 1103 00:52:30,920 --> 00:52:33,000 Speaker 3: you sell it out, they walk on stage and they 1104 00:52:33,000 --> 00:52:36,400 Speaker 3: waiting on you. That's amazing too. But you have the ability, 1105 00:52:36,920 --> 00:52:38,960 Speaker 3: Miss Brown, to be able to do both. And I 1106 00:52:38,960 --> 00:52:42,120 Speaker 3: would recommend that you don't let anybody stop you from 1107 00:52:42,400 --> 00:52:46,279 Speaker 3: pursuing that because you have been You've been dreaming about 1108 00:52:46,320 --> 00:52:47,240 Speaker 3: this all your life. 1109 00:52:47,400 --> 00:52:47,840 Speaker 1: I didn't. 1110 00:52:48,520 --> 00:52:50,600 Speaker 3: God just gave me a lot of gifts and I 1111 00:52:50,640 --> 00:52:53,680 Speaker 3: and somehow I stumble upon being a very talented comedian 1112 00:52:53,719 --> 00:52:56,120 Speaker 3: and I'm a hustler. So you give me my foot 1113 00:52:56,120 --> 00:52:58,200 Speaker 3: in the door. I'm gonna crack that door wide open 1114 00:52:58,200 --> 00:53:00,280 Speaker 3: and see what's on the other side. I'm not a frame. 1115 00:53:00,600 --> 00:53:03,080 Speaker 3: I'm not afraid, Miss Brown. I love that and so 1116 00:53:03,280 --> 00:53:05,480 Speaker 3: my whole thing with you is that don't be afraid. 1117 00:53:05,560 --> 00:53:07,239 Speaker 3: And I know I'm not saying anything because you never 1118 00:53:07,280 --> 00:53:10,440 Speaker 3: showed fear in your life, but you are special and 1119 00:53:10,520 --> 00:53:12,400 Speaker 3: I gotta just say that to you, not like you 1120 00:53:12,440 --> 00:53:14,920 Speaker 3: don't know it, but you know, sometimes you get out 1121 00:53:14,960 --> 00:53:16,880 Speaker 3: there and used to be grinding and and there's a 1122 00:53:16,880 --> 00:53:18,799 Speaker 3: lot of haters out there and they get well, she's 1123 00:53:19,520 --> 00:53:19,879 Speaker 3: do you. 1124 00:53:19,800 --> 00:53:21,520 Speaker 1: Know, I just stand up. They only comment in there 1125 00:53:21,520 --> 00:53:25,080 Speaker 1: because she got followers or whatever. Ain't they laughing? Ain't 1126 00:53:25,120 --> 00:53:27,480 Speaker 1: they laughing? Ain't they laughing? 1127 00:53:26,920 --> 00:53:28,160 Speaker 5: They laughing? 1128 00:53:28,160 --> 00:53:31,960 Speaker 3: They laughing? Come on, ain't they laughing? They lughing up 1129 00:53:31,960 --> 00:53:34,160 Speaker 3: there to buy her T shirt. She ain't buy enough 1130 00:53:34,200 --> 00:53:35,640 Speaker 3: of them. That's what the problem is. That's why they're 1131 00:53:35,640 --> 00:53:37,680 Speaker 3: going because they wanted to buy more. But she didn't 1132 00:53:37,719 --> 00:53:40,440 Speaker 3: know she was that popular. So now she know now 1133 00:53:40,480 --> 00:53:42,839 Speaker 3: because she's talking to ra Sean mcdowal Sean McDonald, show 1134 00:53:42,880 --> 00:53:44,839 Speaker 3: her the light and show her like because she's gonna 1135 00:53:44,840 --> 00:53:46,719 Speaker 3: get a better logo she gonna get. You gonna go 1136 00:53:46,760 --> 00:53:48,719 Speaker 3: to her website one day and she's gonna have all 1137 00:53:48,719 --> 00:53:51,319 Speaker 3: this rent dorough caps. She got a rent dude. Little 1138 00:53:51,640 --> 00:53:54,640 Speaker 3: the little little little top tops that that they do 1139 00:53:54,680 --> 00:53:56,560 Speaker 3: for the summer. She's gonna have that rent dude back there. 1140 00:53:56,640 --> 00:53:59,480 Speaker 3: She gonna rent deal jerseys with the number one only 1141 00:53:59,520 --> 00:54:01,600 Speaker 3: She's gonna have all that stuff. That's what you're gonna 1142 00:54:01,600 --> 00:54:04,920 Speaker 3: do because you have money making conversation. 1143 00:54:05,239 --> 00:54:07,560 Speaker 5: Multi, thank you. I received that. 1144 00:54:07,960 --> 00:54:09,520 Speaker 1: You better because I believe in you. 1145 00:54:09,680 --> 00:54:12,560 Speaker 3: And uh, just tell every about your social media like 1146 00:54:12,640 --> 00:54:15,000 Speaker 3: not like you need more follows because we wrapping up 1147 00:54:15,000 --> 00:54:15,239 Speaker 3: this show. 1148 00:54:15,280 --> 00:54:16,920 Speaker 1: Tell her about about social media, so we get out 1149 00:54:16,920 --> 00:54:17,160 Speaker 1: of here. 1150 00:54:18,160 --> 00:54:22,000 Speaker 5: Okay, Well, you can follow me on Instagram on both pages. 1151 00:54:22,000 --> 00:54:28,719 Speaker 5: On my personal page is watch Jazzy and on Toya's 1152 00:54:28,760 --> 00:54:34,120 Speaker 5: page is Toya Underscore Turn Up, and both on Instagram 1153 00:54:34,160 --> 00:54:36,600 Speaker 5: you can also follow me. I watched Jazzy on Twitter. 1154 00:54:36,760 --> 00:54:39,239 Speaker 5: It got hacked, so I gotta build that one back up. 1155 00:54:39,640 --> 00:54:41,840 Speaker 5: But yeah, I mean just expect to be seeing a 1156 00:54:41,880 --> 00:54:45,160 Speaker 5: lot more of me as I am writing and producing 1157 00:54:45,239 --> 00:54:48,520 Speaker 5: and starring and more things. So yeah, I'm excited for 1158 00:54:48,560 --> 00:54:51,400 Speaker 5: you to continue to watch Jazzy and to follow the 1159 00:54:51,480 --> 00:54:53,319 Speaker 5: journeys that I'm on and thank you for having me. 1160 00:54:53,480 --> 00:54:55,680 Speaker 3: Oh yeah, you'll be back. You know, you can't get 1161 00:54:55,760 --> 00:54:57,359 Speaker 3: rid of me, Jay, You can't get rid of me girl. 1162 00:54:57,440 --> 00:54:57,879 Speaker 3: You know that. 1163 00:54:58,000 --> 00:54:59,680 Speaker 1: You know now, I know your Nay. You got to 1164 00:54:59,719 --> 00:55:00,480 Speaker 1: come by my building. 1165 00:55:00,480 --> 00:55:02,319 Speaker 3: They eat some food because I'm a world class cook 1166 00:55:02,360 --> 00:55:05,440 Speaker 3: and an award winning baker. Baye got you there. I 1167 00:55:05,520 --> 00:55:07,440 Speaker 3: got you here because your country. You country. If you 1168 00:55:07,480 --> 00:55:09,279 Speaker 3: tell a country person buy some free food, they don't 1169 00:55:09,320 --> 00:55:12,319 Speaker 3: be there. But again, you're so talented, Jay, and I 1170 00:55:12,320 --> 00:55:15,000 Speaker 3: want to appreciate you. Just Jasmine Brown, it's just shoting 1171 00:55:15,040 --> 00:55:16,880 Speaker 3: it for Jay because she's a girl. I got six sisters, 1172 00:55:16,880 --> 00:55:19,560 Speaker 3: so I just nicknamed you Jab. Come on by and 1173 00:55:19,560 --> 00:55:21,560 Speaker 3: we're gonna have a good time again. But more importantly, 1174 00:55:21,600 --> 00:55:23,920 Speaker 3: thank you for coming on Money Making Conversation master Class. 1175 00:55:23,920 --> 00:55:25,680 Speaker 5: Okay, thank you for having me. 1176 00:55:26,239 --> 00:55:26,879 Speaker 1: We talk soon. 1177 00:55:26,960 --> 00:55:30,080 Speaker 3: I appreciate you, and again I appreciate everybody who comes 1178 00:55:30,080 --> 00:55:32,480 Speaker 3: on my show, and I also appreciate you guys listening 1179 00:55:32,560 --> 00:55:33,080 Speaker 3: to my show. 1180 00:55:33,440 --> 00:55:35,800 Speaker 1: We will talk soon again. This is Rashan McDonald. 1181 00:55:35,880 --> 00:55:38,440 Speaker 3: Thank you for supporting me and supporting my brand and 1182 00:55:38,480 --> 00:55:41,440 Speaker 3: Money Making Conversation master Class. We talked soon, how about it? 1183 00:55:49,800 --> 00:55:52,200 Speaker 6: Thank you for joining us for this edition of Money 1184 00:55:52,200 --> 00:55:57,720 Speaker 6: Making Conversations Masterclass. Money Making Conversations Masterclass with through Sean 1185 00:55:57,800 --> 00:56:01,480 Speaker 6: McDonald is produced by thirty eight fifteen Media Inc. More 1186 00:56:01,520 --> 00:56:05,399 Speaker 6: information about thirty eight fifteen Media Inc. Is available at 1187 00:56:05,440 --> 00:56:09,400 Speaker 6: thirty eight fifteen media dot com. And always remember to 1188 00:56:09,560 --> 00:56:10,640 Speaker 6: lead with your guests