1 00:00:00,080 --> 00:00:00,960 Speaker 1: Welcome to my show. 2 00:00:01,240 --> 00:00:04,640 Speaker 2: I'm Rashon McDonald, a host of Money Making Conversations Masterclass, 3 00:00:04,840 --> 00:00:07,360 Speaker 2: where we encourage people to stop reading other people's success 4 00:00:07,360 --> 00:00:09,280 Speaker 2: stories and start planning your own. 5 00:00:09,800 --> 00:00:10,000 Speaker 1: Now. 6 00:00:10,000 --> 00:00:12,200 Speaker 2: You don't want to miss an episode, so please take 7 00:00:12,200 --> 00:00:14,800 Speaker 2: a moment right now to follow or subscribe to Money 8 00:00:14,800 --> 00:00:16,400 Speaker 2: Making Conversations Masterclass. 9 00:00:16,600 --> 00:00:17,239 Speaker 1: It's free. 10 00:00:17,440 --> 00:00:21,400 Speaker 2: You can follow me on iHeartRadio, app, Spotify, Apple Podcasts, 11 00:00:21,520 --> 00:00:24,439 Speaker 2: or wherever you listen to your podcast. New Money Making 12 00:00:24,440 --> 00:00:28,120 Speaker 2: Conversations Masterclass episodes drop daily. I want to keep you 13 00:00:28,160 --> 00:00:30,720 Speaker 2: on alert because my guests provide tips on how you 14 00:00:30,720 --> 00:00:34,839 Speaker 2: can uplift your community, improve your financial planning, motivation, or 15 00:00:34,880 --> 00:00:38,440 Speaker 2: advice on how to be a successful entrepreneur. Now, let's 16 00:00:38,479 --> 00:00:42,000 Speaker 2: get this podcast started. My guest focus is on providing 17 00:00:42,080 --> 00:00:46,080 Speaker 2: will trusts, wills and trusts, and other estate planning documents 18 00:00:46,240 --> 00:00:49,280 Speaker 2: to black and brown women and their families to education 19 00:00:49,440 --> 00:00:53,080 Speaker 2: and state planning services. She strategizes with her clients to 20 00:00:53,120 --> 00:00:56,160 Speaker 2: help them keep control of their legacy long after they 21 00:00:56,160 --> 00:00:59,840 Speaker 2: are gone. She's a decade of experience spanning landlord tenant law, 22 00:01:00,240 --> 00:01:04,400 Speaker 2: family law, wills and estates, disability law, which is also 23 00:01:04,560 --> 00:01:07,319 Speaker 2: very important in your civil rights. Please work with the 24 00:01:07,319 --> 00:01:10,240 Speaker 2: Money Making Conversation Master Class, Whitney Docs League. 25 00:01:10,640 --> 00:01:11,399 Speaker 3: Thank you. 26 00:01:11,440 --> 00:01:13,920 Speaker 1: Let's say attorney Whitney Locks Leap. 27 00:01:14,360 --> 00:01:15,240 Speaker 3: You know I'm trying. 28 00:01:15,400 --> 00:01:17,840 Speaker 1: Yes, Okay, so we know what we're talking about that. 29 00:01:18,400 --> 00:01:23,000 Speaker 2: Yeah, can I say attorney Lea. Let everybody know what 30 00:01:23,120 --> 00:01:26,039 Speaker 2: we're dealing with a person who is law. You're not 31 00:01:26,160 --> 00:01:30,720 Speaker 2: just talking about estate planning. You are a licensed legal 32 00:01:30,800 --> 00:01:33,720 Speaker 2: professional in this area and they should go to you. 33 00:01:33,840 --> 00:01:34,120 Speaker 1: Correct. 34 00:01:34,280 --> 00:01:35,840 Speaker 3: Yes, that's absolutely right. 35 00:01:35,920 --> 00:01:39,520 Speaker 4: And when you talk about success like live your success story. 36 00:01:39,560 --> 00:01:41,240 Speaker 4: That's why I'm like, yeah, call me attorney Lee. 37 00:01:41,800 --> 00:01:46,200 Speaker 2: You practice law or in the form of a state planning, 38 00:01:46,720 --> 00:01:47,760 Speaker 2: wills and trust. 39 00:01:47,960 --> 00:01:49,520 Speaker 1: What exactly is that? 40 00:01:50,000 --> 00:01:53,960 Speaker 4: Yeah, So it's multiple different practice areas that are sometimes 41 00:01:54,000 --> 00:01:57,000 Speaker 4: grouped together. So when we're talking about estate planning, we're 42 00:01:57,040 --> 00:02:01,080 Speaker 4: talking about a strategy of legacy building that involves a 43 00:02:01,160 --> 00:02:06,800 Speaker 4: variety of different of different professionals and a variety of 44 00:02:06,840 --> 00:02:11,120 Speaker 4: different areas. So me specifically as an attorney, I am 45 00:02:11,160 --> 00:02:14,359 Speaker 4: doing the will documents, I am doing the trust documents, 46 00:02:14,680 --> 00:02:17,440 Speaker 4: I am doing the powers of attorney documents. I am 47 00:02:17,480 --> 00:02:21,160 Speaker 4: advising people on how the law is going to impact 48 00:02:21,520 --> 00:02:24,320 Speaker 4: the estate that they have. So the stuff that they have, 49 00:02:25,360 --> 00:02:27,960 Speaker 4: whether that stuff will be taxed when they pass away, 50 00:02:28,440 --> 00:02:31,919 Speaker 4: and how they can give that stuff to whoever they 51 00:02:31,960 --> 00:02:37,359 Speaker 4: want without as little interference as possible. Okay, Now, there 52 00:02:37,360 --> 00:02:41,280 Speaker 4: are other professionals that I work closely with, so insurance agents, 53 00:02:41,320 --> 00:02:43,480 Speaker 4: because life insurance is a huge part of a state 54 00:02:43,520 --> 00:02:46,480 Speaker 4: planning retirement folks. 55 00:02:46,639 --> 00:02:47,560 Speaker 1: Let's pause right there. 56 00:02:47,720 --> 00:02:51,240 Speaker 2: Why is life insurance a huge part of a state planning? 57 00:02:51,480 --> 00:02:54,160 Speaker 4: It can be a huge tool when we're talking about 58 00:02:54,600 --> 00:02:57,520 Speaker 4: not only building your legacy, but protecting the legacy. Okay, 59 00:02:57,560 --> 00:03:00,000 Speaker 4: so let's take the example of a home. A family 60 00:03:00,240 --> 00:03:03,080 Speaker 4: owns a home. That home is four hundred thousand dollars. 61 00:03:03,639 --> 00:03:06,320 Speaker 4: They have a mortgage on that home. The owner and 62 00:03:06,360 --> 00:03:10,000 Speaker 4: the person with the mortgage passes away. Their intention when 63 00:03:10,040 --> 00:03:13,080 Speaker 4: they purchased this home was to shelter their family, provide 64 00:03:13,080 --> 00:03:15,440 Speaker 4: a home, but also to be able to pass on 65 00:03:15,560 --> 00:03:21,000 Speaker 4: equity of that home through a sale. So they maybe 66 00:03:21,040 --> 00:03:23,959 Speaker 4: create an estate plan where they are transferring their property 67 00:03:24,000 --> 00:03:27,480 Speaker 4: to their children. However, their children maybe are not in 68 00:03:27,480 --> 00:03:30,040 Speaker 4: a position to pay off a mortgage because the mortgage 69 00:03:30,080 --> 00:03:32,680 Speaker 4: doesn't disappear when you do. Okay, the mortgage is going 70 00:03:32,760 --> 00:03:35,880 Speaker 4: to continue. So life insurance can be a tool that 71 00:03:35,920 --> 00:03:41,760 Speaker 4: people use to push money into the family for the 72 00:03:41,760 --> 00:03:44,880 Speaker 4: purpose of the family now being able to pay off 73 00:03:44,880 --> 00:03:46,680 Speaker 4: some of the debts. So now maybe they can pay 74 00:03:46,680 --> 00:03:49,120 Speaker 4: off the mortgage and own the home free and clear, 75 00:03:50,320 --> 00:03:54,160 Speaker 4: or maybe they're using that money to do other to 76 00:03:54,200 --> 00:03:56,600 Speaker 4: take other opportunities that they wouldn't have been able to 77 00:03:56,640 --> 00:04:00,160 Speaker 4: live a comfortable life exactly. And so life insurance is 78 00:04:00,560 --> 00:04:04,400 Speaker 4: really critical. But more so, like if we're going to 79 00:04:04,440 --> 00:04:06,640 Speaker 4: step back a little bit and just kind of get 80 00:04:06,680 --> 00:04:10,000 Speaker 4: back to basics, what's important is that as we are 81 00:04:10,000 --> 00:04:12,880 Speaker 4: creating a legacy, it's not just about leaving the stuff, 82 00:04:12,960 --> 00:04:16,279 Speaker 4: but it's about communicating with loved ones about what to 83 00:04:16,360 --> 00:04:19,000 Speaker 4: do with the stuff, how to manage the stuff, how 84 00:04:19,040 --> 00:04:21,600 Speaker 4: to pay off the mortgage, and making sure that when 85 00:04:21,600 --> 00:04:25,039 Speaker 4: we're making these decisions, we are leaving our assets with 86 00:04:25,080 --> 00:04:27,599 Speaker 4: people who can be responsible for them. 87 00:04:27,800 --> 00:04:28,040 Speaker 1: Cool. 88 00:04:28,120 --> 00:04:31,960 Speaker 2: I'm talking to attorney Whitney Knoxley, and she stated is 89 00:04:31,960 --> 00:04:35,880 Speaker 2: state planning is a wealth preservation and empowered with strategy 90 00:04:36,240 --> 00:04:40,279 Speaker 2: that lets entrepreneurs, business owners, and everyday people because there 91 00:04:40,279 --> 00:04:43,080 Speaker 2: are more everyday people out there than entrepreneurs and small 92 00:04:43,120 --> 00:04:46,920 Speaker 2: business owners keep more of what they make pass it 93 00:04:47,000 --> 00:04:50,440 Speaker 2: on with dignity and avoid losing it to court calls, 94 00:04:50,640 --> 00:04:54,280 Speaker 2: taxes and confusion. Let's go back to that, losing it 95 00:04:54,320 --> 00:04:56,880 Speaker 2: to court calls, taxes and confusion. 96 00:04:57,600 --> 00:04:58,160 Speaker 1: Why is that? 97 00:04:58,440 --> 00:05:00,799 Speaker 4: Yes, So let's talk about the problem sense of probate. 98 00:05:01,040 --> 00:05:04,120 Speaker 4: And I know for those of you divine nine, probate 99 00:05:04,160 --> 00:05:09,520 Speaker 4: means something totally different. Okay, So exactly, okay, So as 100 00:05:09,560 --> 00:05:12,159 Speaker 4: in a state planning and probate attorney, what I'm talking 101 00:05:12,160 --> 00:05:15,920 Speaker 4: about is this formal process of proving a will. Okay, 102 00:05:16,000 --> 00:05:19,400 Speaker 4: So in Georgia, when somebody and in every state actually 103 00:05:19,640 --> 00:05:23,440 Speaker 4: when somebody passes away, if they have assets, they have 104 00:05:23,480 --> 00:05:27,760 Speaker 4: to go through a probate process in which a judge says, okay, 105 00:05:27,800 --> 00:05:30,200 Speaker 4: this person has passed away. Just a random judge, a 106 00:05:30,279 --> 00:05:34,160 Speaker 4: random judge. Okay, here in Georgia, it's in a probate court. 107 00:05:34,200 --> 00:05:37,560 Speaker 4: But they say this person has passed away. These are 108 00:05:37,600 --> 00:05:39,480 Speaker 4: their errors. This is who we're going to give this 109 00:05:39,520 --> 00:05:42,440 Speaker 4: stuff to based on what the law has already said. 110 00:05:42,880 --> 00:05:46,560 Speaker 4: Now we can take some control of that through creating 111 00:05:46,640 --> 00:05:48,960 Speaker 4: a will. Think of a will as a letter to 112 00:05:49,000 --> 00:05:51,800 Speaker 4: the judge, though, because a will still has to go 113 00:05:51,839 --> 00:05:55,719 Speaker 4: through probate court, and when that happens, you're spending money 114 00:05:55,720 --> 00:05:58,360 Speaker 4: on legal fees. If you need an attorney to represent 115 00:05:58,440 --> 00:06:01,599 Speaker 4: you, you are spending money on just the court fees. Here 116 00:06:01,640 --> 00:06:05,080 Speaker 4: in Georgia to file this type of petition, you can 117 00:06:05,120 --> 00:06:08,159 Speaker 4: easily spend eight hundred, nine hundred dollars just getting the 118 00:06:08,200 --> 00:06:11,440 Speaker 4: case in court. In other states, there are fees to 119 00:06:11,600 --> 00:06:14,840 Speaker 4: be in probate court that are dependent on the amount 120 00:06:14,960 --> 00:06:18,160 Speaker 4: of your asset of the estate. So you might have 121 00:06:18,240 --> 00:06:21,800 Speaker 4: a two percent fee in I don't know California to 122 00:06:22,200 --> 00:06:26,159 Speaker 4: just be in probate court, and that's two percent over 123 00:06:26,279 --> 00:06:28,280 Speaker 4: the two million dollar estate that you have. 124 00:06:28,880 --> 00:06:31,560 Speaker 3: So you're paying what is that twenty. 125 00:06:31,320 --> 00:06:36,880 Speaker 4: Thousand dollars just to be in court. Okay, So, but 126 00:06:37,080 --> 00:06:41,599 Speaker 4: also taxes when we pass away. Some states have what's 127 00:06:41,640 --> 00:06:44,960 Speaker 4: called in a state tax or a death tax. This 128 00:06:45,080 --> 00:06:47,719 Speaker 4: death tax is a tax just because you died, just. 129 00:06:47,680 --> 00:06:48,240 Speaker 3: Because you died. 130 00:06:48,440 --> 00:06:49,760 Speaker 1: So let me go back to do a little math. 131 00:06:49,800 --> 00:06:52,800 Speaker 2: Now that two of the billion is twenty, right, I 132 00:06:52,839 --> 00:06:57,400 Speaker 2: think so, yeah, because I'm math made forty thousand. 133 00:06:57,400 --> 00:07:00,360 Speaker 1: Okay, oh. 134 00:07:01,800 --> 00:07:04,719 Speaker 4: Math, thank you? Look because I don't do math, all right. 135 00:07:06,440 --> 00:07:09,800 Speaker 2: Yeah, because two of that because I when I do 136 00:07:09,840 --> 00:07:13,200 Speaker 2: to show money making Conversations Master Class. It's important that 137 00:07:13,440 --> 00:07:15,720 Speaker 2: we work hard all our lives and then you never. 138 00:07:15,600 --> 00:07:16,960 Speaker 1: Know when that day is going to come. 139 00:07:17,000 --> 00:07:21,120 Speaker 2: And you know, accidents are what they are, accidents, but 140 00:07:21,200 --> 00:07:24,280 Speaker 2: when you but are you prepared for that accident? That's 141 00:07:24,320 --> 00:07:27,480 Speaker 2: what this conversation is about. So there's a degree of 142 00:07:27,680 --> 00:07:30,640 Speaker 2: honesty we got to have with our sales. Correct attorney leads. 143 00:07:30,560 --> 00:07:34,240 Speaker 4: Oh, absolutely, because there it's we know that we will 144 00:07:34,240 --> 00:07:39,880 Speaker 4: pass away. We don't know when right. So people often ask, well, 145 00:07:40,080 --> 00:07:42,560 Speaker 4: when should I start estate planning? You can start when 146 00:07:42,600 --> 00:07:46,160 Speaker 4: you're eighteen. If you have a child and that child 147 00:07:46,200 --> 00:07:49,480 Speaker 4: is earning income, that child can start planning younger than that, 148 00:07:49,800 --> 00:07:53,040 Speaker 4: and maybe that involves planning with the parent. But we 149 00:07:53,080 --> 00:07:55,880 Speaker 4: can start making decisions like who is going to care 150 00:07:55,920 --> 00:07:58,280 Speaker 4: for me if I can't care for myself? Who is 151 00:07:58,320 --> 00:08:01,680 Speaker 4: going to access my accounts if I can't care for myself? 152 00:08:02,040 --> 00:08:04,960 Speaker 4: Those are decisions that are made in power of attorney documents, 153 00:08:05,040 --> 00:08:08,480 Speaker 4: and eighteen year olds can and should have those. If 154 00:08:08,480 --> 00:08:10,760 Speaker 4: you are sending an eighteen year old off to college 155 00:08:11,080 --> 00:08:12,880 Speaker 4: thinking that you're going to be able to call their 156 00:08:12,960 --> 00:08:17,800 Speaker 4: doctor and ask what's going on with this child? You 157 00:08:17,880 --> 00:08:20,840 Speaker 4: got another thing coming because they're gonna have to their adults. 158 00:08:20,840 --> 00:08:23,360 Speaker 4: Now they have to allow you that access. 159 00:08:23,600 --> 00:08:25,440 Speaker 1: Let me answ you this attorney. The first of all, 160 00:08:25,480 --> 00:08:26,600 Speaker 1: how do we get in touch with you? 161 00:08:26,920 --> 00:08:27,120 Speaker 3: Yes? 162 00:08:27,240 --> 00:08:32,400 Speaker 4: So email me Whitney at willsfothepeople GA dot com. 163 00:08:32,400 --> 00:08:34,160 Speaker 1: Wills four, which is the number four. 164 00:08:34,280 --> 00:08:37,439 Speaker 4: Nope, I'm spelling everything out except for Ga Whitney at 165 00:08:37,520 --> 00:08:39,480 Speaker 4: wills for the people GA Ga. 166 00:08:39,559 --> 00:08:41,440 Speaker 1: Okay, it's wills for the basically Georgia. 167 00:08:41,559 --> 00:08:43,480 Speaker 3: Yep, okay, Will's for the people GA dot com. 168 00:08:43,640 --> 00:08:48,160 Speaker 2: So you mentioned probate and then you mentioned the state planning, 169 00:08:48,160 --> 00:08:52,320 Speaker 2: and then the magic word came out will Yes, okay, 170 00:08:52,800 --> 00:08:55,679 Speaker 2: because that's the drama that I always hear about when 171 00:08:55,720 --> 00:09:00,680 Speaker 2: it comes to celebrities who don't have a will. We 172 00:09:00,760 --> 00:09:04,439 Speaker 2: never get to estate planning, but that will conversation comes up, 173 00:09:04,800 --> 00:09:09,319 Speaker 2: and then they'll also probate and probate and no will 174 00:09:09,559 --> 00:09:11,199 Speaker 2: always leads to disaster. 175 00:09:11,400 --> 00:09:12,199 Speaker 1: Am I right or wrong? 176 00:09:13,840 --> 00:09:14,480 Speaker 3: Most of the time? 177 00:09:14,840 --> 00:09:17,400 Speaker 4: There are reasons why somebody might want their family to 178 00:09:17,480 --> 00:09:21,520 Speaker 4: go through a probate process. Maybe their family has a 179 00:09:21,559 --> 00:09:24,200 Speaker 4: lot going on and they need oversight from a judge 180 00:09:25,000 --> 00:09:28,280 Speaker 4: to figure out what should happen with the estate. What 181 00:09:28,360 --> 00:09:30,240 Speaker 4: I want to stress though, is that a will is 182 00:09:30,360 --> 00:09:32,560 Speaker 4: part of an estate plan, but it is not the 183 00:09:32,679 --> 00:09:33,200 Speaker 4: estate plan. 184 00:09:33,600 --> 00:09:34,680 Speaker 3: It is one piece. 185 00:09:35,320 --> 00:09:39,640 Speaker 4: A will dictates what happens to your stuff when you're gone, Okay, 186 00:09:39,640 --> 00:09:43,160 Speaker 4: but it does not help you with what happens if 187 00:09:43,280 --> 00:09:46,280 Speaker 4: I get into a car accident and now I'm sipping 188 00:09:46,280 --> 00:09:47,640 Speaker 4: out of a straw for the rest of my life 189 00:09:47,679 --> 00:09:50,760 Speaker 4: and can't make decisions for myself. It does not help 190 00:09:50,800 --> 00:09:53,440 Speaker 4: you if you have assets and you can't deal with 191 00:09:53,480 --> 00:09:57,080 Speaker 4: those assets because of a medical or mental health issue. Okay, 192 00:09:57,200 --> 00:10:01,280 Speaker 4: those are powers of attorneys. But also a will is 193 00:10:01,480 --> 00:10:06,080 Speaker 4: very limited in how you are able to protect the 194 00:10:06,120 --> 00:10:12,280 Speaker 4: assets after you're gone. A trust often, you know, when 195 00:10:12,320 --> 00:10:15,400 Speaker 4: we think about trust, we're really talking about revocable living trusts, 196 00:10:15,400 --> 00:10:18,760 Speaker 4: but there's irrevocable trusts as well, And the trust is 197 00:10:18,800 --> 00:10:23,640 Speaker 4: that legal agreement where you are able to really have 198 00:10:23,800 --> 00:10:26,600 Speaker 4: a lot of control over your assets even after you're gone. 199 00:10:27,120 --> 00:10:31,199 Speaker 4: And a trust allows families to bypass probate altogether, so 200 00:10:31,240 --> 00:10:33,120 Speaker 4: they are not having to go to court, they are 201 00:10:33,160 --> 00:10:35,839 Speaker 4: not having to pay legal fees, they are not having 202 00:10:35,880 --> 00:10:40,599 Speaker 4: to leave up to random people who want to challenge 203 00:10:40,640 --> 00:10:43,199 Speaker 4: this will to delay the process. 204 00:10:44,280 --> 00:10:47,199 Speaker 3: A trust is a good option for many people too. 205 00:10:47,360 --> 00:10:48,800 Speaker 2: Well, I ask you a couple of courts be more 206 00:10:48,840 --> 00:10:55,439 Speaker 2: specific about it. Okay, what a specific state planning too? 207 00:10:55,520 --> 00:10:59,199 Speaker 2: Should entrepreneurs know about that protect their income streams? 208 00:10:59,480 --> 00:10:59,760 Speaker 3: Yes? 209 00:11:00,440 --> 00:11:04,920 Speaker 4: So powers of attorney documents specifically a financial power of attorney, 210 00:11:05,200 --> 00:11:07,120 Speaker 4: and if you want, you can do a power of 211 00:11:07,120 --> 00:11:11,439 Speaker 4: attorney for your business. These documents make it so that again, 212 00:11:11,520 --> 00:11:16,120 Speaker 4: if you can't manage your business, somebody else can't. If 213 00:11:16,160 --> 00:11:18,920 Speaker 4: you don't have these documents and you don't have it 214 00:11:19,000 --> 00:11:22,000 Speaker 4: set up in your business operating agreement or in your 215 00:11:22,000 --> 00:11:24,839 Speaker 4: buy sell agreement, what is going to happen? Then your 216 00:11:24,840 --> 00:11:27,240 Speaker 4: business may not be able to continue to run, to 217 00:11:27,280 --> 00:11:31,280 Speaker 4: bring in income during times where maybe you're temporarily incapacitated, 218 00:11:31,400 --> 00:11:35,600 Speaker 4: not able to care for yourself. Having an operating agreement 219 00:11:35,720 --> 00:11:38,720 Speaker 4: as part of your business, and in that operating agreement 220 00:11:39,040 --> 00:11:43,560 Speaker 4: spelling out what happens if the principle or the CEO 221 00:11:43,760 --> 00:11:48,560 Speaker 4: or the whoever can't be in that role anymore. And 222 00:11:48,600 --> 00:11:51,120 Speaker 4: then third, so those are two the powers of attorney. 223 00:11:51,920 --> 00:11:55,160 Speaker 4: The operating agreement or perhaps a buy sell agreement, which 224 00:11:55,200 --> 00:11:58,320 Speaker 4: I like to think of as the will for the business. 225 00:11:59,440 --> 00:12:03,600 Speaker 4: Insurance specifically key Man Insurance or key Person insurance. 226 00:12:03,640 --> 00:12:04,680 Speaker 1: I've heard of that, yep. 227 00:12:04,720 --> 00:12:07,520 Speaker 4: So if you are an entrepreneur business owner where the 228 00:12:07,679 --> 00:12:11,320 Speaker 4: income from your business depends on you being able to work, 229 00:12:11,720 --> 00:12:15,000 Speaker 4: like you are providing a service that only you can provide, 230 00:12:15,080 --> 00:12:17,400 Speaker 4: and if you don't provide the service, you don't get money. 231 00:12:17,880 --> 00:12:21,720 Speaker 4: Key Man insurance can come in and compensate you for 232 00:12:21,880 --> 00:12:24,320 Speaker 4: some or all of your income while you are not 233 00:12:24,480 --> 00:12:27,120 Speaker 4: able to work. So those are three ways that you 234 00:12:27,160 --> 00:12:31,520 Speaker 4: can protect income streams if they need protected. 235 00:12:32,120 --> 00:12:33,240 Speaker 1: Please don't go anywhere. 236 00:12:33,400 --> 00:12:37,080 Speaker 2: We'll be right back with more money Making Conversations masterclassn 237 00:12:37,120 --> 00:12:39,600 Speaker 2: I need for you to do me a favor right 238 00:12:39,640 --> 00:12:43,280 Speaker 2: now to follow or subscribe to Money Making Conversation. It's 239 00:12:43,360 --> 00:12:47,360 Speaker 2: free and you can find it on the iHeartRadio app, Spotify, 240 00:12:47,679 --> 00:12:51,520 Speaker 2: Apple Podcasts, or wherever you get your podcasts. Please do 241 00:12:51,640 --> 00:13:00,480 Speaker 2: me that favor, follow or subscribe money Making Conversations. Welcome 242 00:13:00,520 --> 00:13:05,080 Speaker 2: back to Money Making Conversation, mastic lands with me, Rashawn McDonald. Okay, 243 00:13:05,480 --> 00:13:07,559 Speaker 2: because I can keep you an insurance when I'm talking 244 00:13:07,559 --> 00:13:10,040 Speaker 2: to a lawyer here and I'm talking about legal but 245 00:13:10,120 --> 00:13:12,719 Speaker 2: you say that state planning and insurance coach hand in. 246 00:13:12,720 --> 00:13:15,240 Speaker 4: Hand Look, this is why I say it's a strategy. Okay, 247 00:13:15,400 --> 00:13:17,400 Speaker 4: estate planning is a big strategy. 248 00:13:17,520 --> 00:13:18,920 Speaker 1: So for the reason I bring it up. 249 00:13:19,320 --> 00:13:22,480 Speaker 2: When we come to your attorney lead, are you a team? 250 00:13:22,640 --> 00:13:25,000 Speaker 2: Do you have people that you recommend or you just 251 00:13:25,120 --> 00:13:27,400 Speaker 2: tell people this is what you should include so it 252 00:13:27,440 --> 00:13:30,040 Speaker 2: doesn't feel like you're handing them off to somebody that 253 00:13:30,800 --> 00:13:33,160 Speaker 2: bounds them to the relationship that only you bring to 254 00:13:33,240 --> 00:13:36,640 Speaker 2: the table. How do you counsel people who come to 255 00:13:36,720 --> 00:13:40,480 Speaker 2: you for their advice? I'm offering on this show that 256 00:13:40,559 --> 00:13:42,640 Speaker 2: your firm provides. 257 00:13:42,520 --> 00:13:44,120 Speaker 3: Right, So I stay in my lane. 258 00:13:44,200 --> 00:13:44,440 Speaker 1: Okay. 259 00:13:44,559 --> 00:13:47,560 Speaker 4: I am an attorney. I am not an insurance salesperson. 260 00:13:48,800 --> 00:13:52,120 Speaker 4: What I do is work closely with people that are 261 00:13:52,120 --> 00:13:54,800 Speaker 4: in the financial industry and a variety of respects, and 262 00:13:54,840 --> 00:13:59,439 Speaker 4: I make referrals. Those referrals are not compensated referrals. Those 263 00:13:59,520 --> 00:14:02,800 Speaker 4: referrals are simply this is somebody that I know. Maybe 264 00:14:02,840 --> 00:14:05,239 Speaker 4: it's somebody that I trust. I've referred people. 265 00:14:05,000 --> 00:14:07,240 Speaker 3: To my own insurance agents. 266 00:14:08,440 --> 00:14:13,840 Speaker 4: I have a broad group of professionals that I like 267 00:14:14,679 --> 00:14:17,080 Speaker 4: and that I trust, and I want to send you know, 268 00:14:17,200 --> 00:14:19,600 Speaker 4: business to when I see that clients are in need 269 00:14:19,640 --> 00:14:21,560 Speaker 4: of a certain service in. 270 00:14:21,440 --> 00:14:23,600 Speaker 2: The client, we live in the political climate that we 271 00:14:23,680 --> 00:14:25,880 Speaker 2: live in today, and then right in the middle of 272 00:14:25,880 --> 00:14:31,840 Speaker 2: my intro, we say documents to black and brown women 273 00:14:31,960 --> 00:14:36,240 Speaker 2: and their families. We have an atmosphere that tries to 274 00:14:36,280 --> 00:14:41,320 Speaker 2: intimidate people who are providing service specific for people who 275 00:14:41,320 --> 00:14:42,880 Speaker 2: are are people of color. 276 00:14:43,440 --> 00:14:44,440 Speaker 1: How do you feel about that. 277 00:14:47,480 --> 00:14:51,000 Speaker 4: It's a part of the larger, you know, coordinated attack 278 00:14:51,080 --> 00:14:56,000 Speaker 4: to keep people of color less than in this society. 279 00:14:56,040 --> 00:15:00,000 Speaker 4: And I'm not standing for it. So because it's my business, 280 00:15:00,280 --> 00:15:02,960 Speaker 4: you know, like I get to talk about blackness and 281 00:15:03,000 --> 00:15:06,239 Speaker 4: black people and people of color and how I want. 282 00:15:06,120 --> 00:15:07,960 Speaker 3: Us to succeed. 283 00:15:08,680 --> 00:15:12,920 Speaker 4: And I think, look, I prior to opening my business, 284 00:15:13,080 --> 00:15:17,119 Speaker 4: I was a nonprofit employee. I only worked at nonprofit 285 00:15:17,160 --> 00:15:19,960 Speaker 4: law firms as an attorney and as a social worker, 286 00:15:20,680 --> 00:15:24,440 Speaker 4: and so I know how difficult it has been for 287 00:15:24,520 --> 00:15:27,720 Speaker 4: these firms to be in this political environment where we 288 00:15:27,840 --> 00:15:32,720 Speaker 4: have to water down or kind of shift or sidestep 289 00:15:32,920 --> 00:15:35,760 Speaker 4: or use code language for how we want to help 290 00:15:35,800 --> 00:15:38,560 Speaker 4: specific people. But I'm definitely here to say that I 291 00:15:38,600 --> 00:15:41,920 Speaker 4: love working with black women. You know, my family is 292 00:15:41,960 --> 00:15:47,760 Speaker 4: a family of matriarchs that have provided for generations and generations, 293 00:15:48,160 --> 00:15:50,560 Speaker 4: and I think it's so important that we provide for 294 00:15:50,640 --> 00:15:55,160 Speaker 4: black women, whether or not they are mothers, because black 295 00:15:55,200 --> 00:15:58,200 Speaker 4: women are the backbone of our society, you. 296 00:15:58,160 --> 00:16:02,480 Speaker 2: Know, attorneyly, you know, I smile because I feel that 297 00:16:02,600 --> 00:16:06,960 Speaker 2: you certain people can't live in every generation. Okay, they can't, 298 00:16:07,040 --> 00:16:10,920 Speaker 2: But I see no problem with you in the twenties, thirties, forties. 299 00:16:10,960 --> 00:16:13,480 Speaker 2: I see no problem with you at the front line 300 00:16:13,520 --> 00:16:17,720 Speaker 2: of change. Why is that in your personality or in 301 00:16:17,760 --> 00:16:20,800 Speaker 2: your DNA or where did they come from? Uh? 302 00:16:21,320 --> 00:16:23,960 Speaker 4: Look, that's a great question that nobody's asked me. I 303 00:16:24,000 --> 00:16:26,520 Speaker 4: think about this because I feel like my mouth would 304 00:16:26,520 --> 00:16:27,400 Speaker 4: have got me in trouble. 305 00:16:27,920 --> 00:16:29,640 Speaker 3: My mouth would have got me in trouble. 306 00:16:29,960 --> 00:16:32,000 Speaker 4: And I'm grateful that I am in a time where 307 00:16:32,000 --> 00:16:37,800 Speaker 4: I can be relatively safe, where I have some privilege. 308 00:16:38,160 --> 00:16:41,960 Speaker 4: I have some privilege, I have education, I have money, 309 00:16:42,000 --> 00:16:47,400 Speaker 4: and I have people around me. My family is one 310 00:16:47,440 --> 00:16:50,320 Speaker 4: of vocal people, and it's one of people who love 311 00:16:50,440 --> 00:16:55,920 Speaker 4: to have fun, who love to enjoy. And I think 312 00:16:55,960 --> 00:16:59,880 Speaker 4: it's hard fought, you know, it's earned. And I just 313 00:17:00,080 --> 00:17:04,280 Speaker 4: have a feeling that my ancestors were those people on 314 00:17:04,320 --> 00:17:06,480 Speaker 4: the front lines. And I love to live my life 315 00:17:06,480 --> 00:17:09,280 Speaker 4: in a way so that my ancestors could be proud 316 00:17:09,359 --> 00:17:14,280 Speaker 4: of their sacrifice and thinking about in order for me 317 00:17:14,440 --> 00:17:16,000 Speaker 4: to be here, to be able to talk to you 318 00:17:16,040 --> 00:17:20,200 Speaker 4: about wills, so many of my relatives had to survive 319 00:17:20,440 --> 00:17:24,919 Speaker 4: when everything about their experience was telling them they should 320 00:17:24,920 --> 00:17:28,840 Speaker 4: not survive, and that I don't even know what to 321 00:17:28,880 --> 00:17:31,440 Speaker 4: do with that, right, Like, I'm just gonna keep showing 322 00:17:31,480 --> 00:17:32,679 Speaker 4: up because it's powerful. 323 00:17:32,720 --> 00:17:33,280 Speaker 3: It's amazing. 324 00:17:34,400 --> 00:17:38,240 Speaker 2: The reason I said that because sometimes I have to 325 00:17:38,320 --> 00:17:46,400 Speaker 2: compliment people on their emotional positivity and their fearlessness. I 326 00:17:46,520 --> 00:17:50,200 Speaker 2: detect a high degree of fearlessness. With that being said, 327 00:17:50,400 --> 00:17:51,479 Speaker 2: does it get you in trouble? 328 00:17:51,640 --> 00:17:51,880 Speaker 3: Yes? 329 00:17:52,400 --> 00:17:56,320 Speaker 4: Look, let me tell you, I'm probably not a great employee, okay, 330 00:17:56,840 --> 00:18:01,280 Speaker 4: because I'm that person I ask questions and not because 331 00:18:01,320 --> 00:18:03,760 Speaker 4: i want to be facetious, not because I'm trying to 332 00:18:03,760 --> 00:18:06,639 Speaker 4: annoy somebody or just challenge for the sake of challenging, 333 00:18:06,960 --> 00:18:09,560 Speaker 4: but because my mind is always working and thinking and 334 00:18:09,600 --> 00:18:14,320 Speaker 4: trying to understand. I don't do things just because that's 335 00:18:14,320 --> 00:18:16,560 Speaker 4: how it's always been done, and if there's a good 336 00:18:16,600 --> 00:18:18,879 Speaker 4: reason for it, I would love to know that reason. 337 00:18:19,280 --> 00:18:22,320 Speaker 4: My therapist, because I'm in therapy, y'all know, I need therapy. 338 00:18:22,440 --> 00:18:25,120 Speaker 4: My therapist says, I need to I'm somebody that needs 339 00:18:25,200 --> 00:18:27,080 Speaker 4: to know. I have to process. I have to have 340 00:18:27,160 --> 00:18:30,040 Speaker 4: information in order for me to move forward. And so 341 00:18:31,200 --> 00:18:34,159 Speaker 4: that is how I go about my life is learning 342 00:18:34,200 --> 00:18:38,000 Speaker 4: information processing so that I can, you know, keep doing 343 00:18:38,040 --> 00:18:38,600 Speaker 4: what I'm doing. 344 00:18:39,359 --> 00:18:40,359 Speaker 1: So what are the steps? 345 00:18:40,400 --> 00:18:44,880 Speaker 2: Then, Eternity, you know someone that hears you on the show, 346 00:18:45,080 --> 00:18:49,120 Speaker 2: going to make a conversation Massic laughs, what's the contact information? 347 00:18:49,480 --> 00:18:53,639 Speaker 4: So you can email me Whitney at WILLSFOTHEPEOPLEGA dot com. 348 00:18:53,680 --> 00:18:56,200 Speaker 1: Okay, they email you. What are the steps? 349 00:18:56,240 --> 00:18:58,000 Speaker 4: After that and they can also they can find me 350 00:18:58,040 --> 00:19:00,600 Speaker 4: out the website which is also Wills for the peoplega 351 00:19:00,680 --> 00:19:01,400 Speaker 4: dot com. 352 00:19:01,560 --> 00:19:02,720 Speaker 3: So here's the first step. 353 00:19:02,960 --> 00:19:05,600 Speaker 4: You make a fifteen minute appointment so that you speak 354 00:19:05,600 --> 00:19:08,080 Speaker 4: with myself or one of my team members just so 355 00:19:08,080 --> 00:19:10,600 Speaker 4: that we can figure out, Okay, what do you think 356 00:19:10,640 --> 00:19:13,080 Speaker 4: you need and is that something that we can help 357 00:19:13,119 --> 00:19:15,760 Speaker 4: you with. Right at that point, we'll explain to you 358 00:19:15,800 --> 00:19:18,640 Speaker 4: what our process is. We have a four step four 359 00:19:18,720 --> 00:19:22,119 Speaker 4: meeting process. We've got the legacy planning meeting where we 360 00:19:22,200 --> 00:19:24,719 Speaker 4: are going to talk about what are your goals, what 361 00:19:24,760 --> 00:19:27,399 Speaker 4: are your needs? What is your family situation? What are 362 00:19:27,440 --> 00:19:30,760 Speaker 4: the assets based on everything that you've told me about 363 00:19:30,800 --> 00:19:34,560 Speaker 4: those things through an intake process. Here are your options 364 00:19:34,600 --> 00:19:38,160 Speaker 4: for estate planning. This is how this option a will 365 00:19:38,359 --> 00:19:41,639 Speaker 4: would help you. This is how a trust would help you. Okay, 366 00:19:41,680 --> 00:19:44,720 Speaker 4: And we have a conversation next when you decide that 367 00:19:44,760 --> 00:19:46,520 Speaker 4: you want to work with me, we do a design 368 00:19:46,600 --> 00:19:49,119 Speaker 4: meeting that's two hours of my time, where we are 369 00:19:49,160 --> 00:19:52,200 Speaker 4: talking about now, what is your plan going to say? 370 00:19:52,680 --> 00:19:53,440 Speaker 3: What are all of. 371 00:19:53,400 --> 00:19:56,879 Speaker 4: These pieces you have X, Y Z assets? What we 372 00:19:56,960 --> 00:19:59,399 Speaker 4: go through your list of assets? What is happening with 373 00:19:59,440 --> 00:20:01,120 Speaker 4: each asset? What is the plan? 374 00:20:02,200 --> 00:20:02,400 Speaker 3: Then? 375 00:20:03,160 --> 00:20:05,560 Speaker 4: Sorry, we have a review meeting where we review your 376 00:20:05,640 --> 00:20:08,680 Speaker 4: estate plan once it's drafted. And then the final meeting 377 00:20:08,720 --> 00:20:11,080 Speaker 4: is the signing ceremony where we sign and we. 378 00:20:11,040 --> 00:20:12,280 Speaker 1: Celebrate, celebrate. 379 00:20:12,560 --> 00:20:15,119 Speaker 2: Now, the interesting part of all these things is that 380 00:20:15,440 --> 00:20:18,080 Speaker 2: I don't want people to be limited on the skill 381 00:20:18,119 --> 00:20:21,200 Speaker 2: set that you bring to the table. We're talking about wills. 382 00:20:21,400 --> 00:20:22,360 Speaker 1: Do you do wills? 383 00:20:22,600 --> 00:20:24,760 Speaker 4: I do wills, I do trusts, I do powers of 384 00:20:24,920 --> 00:20:26,560 Speaker 4: I do comprehensive estate planning. 385 00:20:26,680 --> 00:20:27,240 Speaker 1: Okay, cool? 386 00:20:27,280 --> 00:20:30,000 Speaker 4: And I represent people in probate court when a loved 387 00:20:30,000 --> 00:20:30,960 Speaker 4: one has passed away. 388 00:20:31,119 --> 00:20:31,640 Speaker 1: Okay, cool? 389 00:20:31,840 --> 00:20:34,679 Speaker 2: Now I mentioned disability and I also mentioned civil rights. 390 00:20:35,400 --> 00:20:38,040 Speaker 2: Let's talk about disability at your law firm, and then 391 00:20:38,119 --> 00:20:39,440 Speaker 2: let's talk about civil rights. 392 00:20:39,600 --> 00:20:45,240 Speaker 4: Okay, So disability law is a highly complex area of 393 00:20:45,359 --> 00:20:50,760 Speaker 4: law that really interacts with multiple types of law. 394 00:20:50,840 --> 00:20:51,800 Speaker 3: We'll say so. 395 00:20:52,200 --> 00:20:54,679 Speaker 4: In my practice as an estate planning attorney, how this 396 00:20:54,760 --> 00:20:57,560 Speaker 4: comes up most often is when we're talking about aging 397 00:20:57,840 --> 00:21:02,439 Speaker 4: populations or chill who are disabled whose parents want to 398 00:21:02,560 --> 00:21:06,920 Speaker 4: leave them assets but can'ts or are afraid that they 399 00:21:07,040 --> 00:21:09,840 Speaker 4: if they do that, they're going to make that child 400 00:21:09,920 --> 00:21:15,560 Speaker 4: ineligible for whatever benefits they're receiving. Okay, So take autism. 401 00:21:15,800 --> 00:21:20,240 Speaker 4: Here in Georgia, children with autism receive a number of 402 00:21:20,280 --> 00:21:23,840 Speaker 4: benefits because they may need therapy literally all day long, 403 00:21:23,920 --> 00:21:26,400 Speaker 4: every day of the week. Okay, that is an exorbitant 404 00:21:26,400 --> 00:21:28,639 Speaker 4: amount of money. I know because my family has paid that. 405 00:21:29,640 --> 00:21:36,920 Speaker 4: So in with some disabilities, if you it's going to 406 00:21:37,000 --> 00:21:40,920 Speaker 4: be based on whether or not you have resources. It's 407 00:21:41,000 --> 00:21:43,680 Speaker 4: going to determine whether or not you now have access 408 00:21:43,760 --> 00:21:47,600 Speaker 4: to programs that will pay for this person to be 409 00:21:47,640 --> 00:21:49,480 Speaker 4: able to get the therapies that they need. 410 00:21:49,640 --> 00:21:50,000 Speaker 3: Okay. 411 00:21:50,440 --> 00:21:54,679 Speaker 4: So if a parent leaves a large asset to somebody 412 00:21:54,960 --> 00:21:59,919 Speaker 4: who is on what's called the need based program Medicaid 413 00:22:00,320 --> 00:22:04,120 Speaker 4: is an example, and the income or the assets are 414 00:22:04,160 --> 00:22:09,120 Speaker 4: too high, then that person will be dropped from that program. 415 00:22:09,680 --> 00:22:13,120 Speaker 4: So maybe they're receiving two thousand, three hundred thousand dollars 416 00:22:13,160 --> 00:22:17,000 Speaker 4: worth of benefits from that program every year, and a 417 00:22:17,119 --> 00:22:20,520 Speaker 4: parent leaves them a one hundred thousand dollars in assets, 418 00:22:20,600 --> 00:22:24,359 Speaker 4: and now they have to let go of these other assets. 419 00:22:24,800 --> 00:22:26,840 Speaker 4: So it comes up in the context of planning for 420 00:22:26,920 --> 00:22:29,760 Speaker 4: disabled children, but it also comes up in the context 421 00:22:29,800 --> 00:22:32,679 Speaker 4: of what are we going to do as we age 422 00:22:33,400 --> 00:22:36,600 Speaker 4: care to pay for long term care? Who is going 423 00:22:36,680 --> 00:22:39,720 Speaker 4: to take care of me as I age? Am I 424 00:22:39,760 --> 00:22:41,840 Speaker 4: going to need a nursing home? Am I going to 425 00:22:41,880 --> 00:22:46,479 Speaker 4: need assisted living or a caregiver? And what money is 426 00:22:46,520 --> 00:22:48,320 Speaker 4: there going to be to pay for it? Because it 427 00:22:48,359 --> 00:22:51,399 Speaker 4: is not free, No, it is not. And whether or 428 00:22:51,480 --> 00:22:53,400 Speaker 4: not you have money in your bank account for it, 429 00:22:54,080 --> 00:22:56,840 Speaker 4: there will be a price to pay. And so part 430 00:22:56,840 --> 00:23:00,159 Speaker 4: of a state planning this is really an elder law 431 00:23:00,240 --> 00:23:04,040 Speaker 4: is the specialty. In part of this, we are thinking 432 00:23:04,080 --> 00:23:08,080 Speaker 4: about how do we plan today for long term care 433 00:23:08,119 --> 00:23:11,440 Speaker 4: so that we don't have to deplete our entire. 434 00:23:11,440 --> 00:23:14,320 Speaker 3: Assets, all of our assets to pay for this long 435 00:23:14,400 --> 00:23:14,840 Speaker 3: term care. 436 00:23:15,760 --> 00:23:16,479 Speaker 1: Civil rights. 437 00:23:16,840 --> 00:23:21,240 Speaker 4: Yes, so civil rights is something that you know. I 438 00:23:22,400 --> 00:23:25,000 Speaker 4: worked for several years as a civil rights attorney, working 439 00:23:25,119 --> 00:23:28,440 Speaker 4: in and out of Georgia and Alabama prisons with people 440 00:23:28,480 --> 00:23:34,040 Speaker 4: who are incarcerated. That work is needed and it's exhausting. 441 00:23:34,920 --> 00:23:39,760 Speaker 4: It is exhausting. So I view my role emotion the 442 00:23:39,840 --> 00:23:43,320 Speaker 4: emotion because, particularly in that line of work, what I 443 00:23:43,400 --> 00:23:51,520 Speaker 4: was doing, the success is incremental and small. Right, So 444 00:23:51,720 --> 00:23:55,800 Speaker 4: it's a success today that somebody got three meals, but 445 00:23:55,920 --> 00:23:59,000 Speaker 4: I'm still going home as the attorney concerned about their 446 00:23:59,040 --> 00:24:03,360 Speaker 4: safety because maybe their jail door doesn't lock, the cell 447 00:24:03,440 --> 00:24:06,600 Speaker 4: door doesn't lock, so I'm concerned that they might not 448 00:24:06,640 --> 00:24:09,240 Speaker 4: be alive tomorrow. But yeah, I was able to get 449 00:24:09,240 --> 00:24:11,480 Speaker 4: them three meals today, or yeah, I was able to 450 00:24:11,520 --> 00:24:15,960 Speaker 4: get them medical care today. So for me, it was 451 00:24:15,960 --> 00:24:20,000 Speaker 4: really important that I found a way to still work 452 00:24:20,040 --> 00:24:22,960 Speaker 4: with the people that I love and care about, but 453 00:24:23,040 --> 00:24:24,960 Speaker 4: in a way that was going to be sustainable, because 454 00:24:25,080 --> 00:24:27,399 Speaker 4: let me tell you, I grew up thinking I was 455 00:24:27,440 --> 00:24:31,119 Speaker 4: going to be Ben Crump. Right. I don't want to 456 00:24:31,119 --> 00:24:32,520 Speaker 4: live the Ben Crump lifestyle. 457 00:24:33,640 --> 00:24:34,200 Speaker 3: I have a. 458 00:24:34,119 --> 00:24:36,880 Speaker 4: Family, I got young children. I want to be at home. 459 00:24:36,920 --> 00:24:38,959 Speaker 4: I don't want to travel all them, you know, and 460 00:24:39,040 --> 00:24:42,960 Speaker 4: so one thing as I've kind of developed into this 461 00:24:43,200 --> 00:24:46,600 Speaker 4: founder and business owner, is really learning what is the 462 00:24:47,440 --> 00:24:49,800 Speaker 4: lifestyle that I want to live right now and how 463 00:24:49,840 --> 00:24:52,520 Speaker 4: do I make my career exactly? How do I make 464 00:24:52,600 --> 00:24:55,000 Speaker 4: my career fit with that? 465 00:24:55,920 --> 00:24:59,320 Speaker 2: Wow, I'm talking to the amazing I'm putting amazing in 466 00:24:59,359 --> 00:25:02,720 Speaker 2: front of a turn amazing attorney Whitney Doxlee. And the 467 00:25:02,720 --> 00:25:05,119 Speaker 2: reason I say that because of the fact that, you know, 468 00:25:05,240 --> 00:25:07,639 Speaker 2: if somebody's listening to it and hopefully can hear the 469 00:25:07,840 --> 00:25:11,199 Speaker 2: energy and the honest passion and care that you have 470 00:25:11,280 --> 00:25:14,960 Speaker 2: in your voice. Because that means something to me. Because 471 00:25:15,000 --> 00:25:17,760 Speaker 2: I interview a lot of people, and I know it's 472 00:25:17,800 --> 00:25:20,240 Speaker 2: a business, but it also could be a balance, you 473 00:25:20,240 --> 00:25:23,000 Speaker 2: know about you know, I do these interviews because I 474 00:25:23,080 --> 00:25:26,240 Speaker 2: care about the individual who sits across me. And hopefully 475 00:25:26,280 --> 00:25:29,840 Speaker 2: somebody hears this interview and they and they change their lives. 476 00:25:29,880 --> 00:25:31,920 Speaker 1: And I tell my staff all the time, we. 477 00:25:31,960 --> 00:25:34,560 Speaker 2: Come to work every day to change or impact somebody's 478 00:25:34,600 --> 00:25:36,720 Speaker 2: life and a part of the manner so we have 479 00:25:36,800 --> 00:25:40,040 Speaker 2: to have our act together. We just can't trivialize what 480 00:25:40,080 --> 00:25:42,560 Speaker 2: we do. You know, we send out a message, it 481 00:25:42,600 --> 00:25:45,480 Speaker 2: has to be accurate, cannot be typos. We added something. 482 00:25:45,520 --> 00:25:47,840 Speaker 2: We just can't cut a word off. You know, somebody 483 00:25:47,840 --> 00:25:50,200 Speaker 2: sits down here, we can't mispell their names. 484 00:25:50,400 --> 00:25:51,080 Speaker 1: As a guest. 485 00:25:51,440 --> 00:25:55,080 Speaker 2: Everything has the responsibility not only to the guests, but 486 00:25:55,160 --> 00:25:57,160 Speaker 2: the people who've chosen to listen. 487 00:25:56,920 --> 00:25:59,600 Speaker 1: Or watch what we do. With that being said, well, 488 00:25:59,640 --> 00:26:02,280 Speaker 1: it's your ultimate goal, attorney. 489 00:26:03,480 --> 00:26:06,440 Speaker 3: For my business, for my family, for myself. 490 00:26:06,600 --> 00:26:08,560 Speaker 1: Well you you, it's all. It's the same. 491 00:26:08,640 --> 00:26:10,840 Speaker 2: You've already told me you could have been big Crop, 492 00:26:11,000 --> 00:26:12,560 Speaker 2: but you say, I'm like, I'm not hitting the road. 493 00:26:12,640 --> 00:26:16,000 Speaker 1: Jack. Yeah, I got some kids, Okay. And and you 494 00:26:16,080 --> 00:26:18,359 Speaker 1: know something, big Crop he called me big brother. 495 00:26:18,720 --> 00:26:20,880 Speaker 2: So when you said, and we talk about that a lot, 496 00:26:21,000 --> 00:26:24,720 Speaker 2: you know, because he is daughter's beautiful dollar, he has 497 00:26:24,840 --> 00:26:28,000 Speaker 2: the leave her to do what he has to do 498 00:26:28,160 --> 00:26:31,000 Speaker 2: because he's established his brand and his reputation. 499 00:26:32,040 --> 00:26:35,359 Speaker 1: Like he said, he's the he's the black people's lawyer. Okay. 500 00:26:35,560 --> 00:26:38,120 Speaker 1: And so with that being said, what's your goal. 501 00:26:38,600 --> 00:26:41,520 Speaker 4: Yeah, I think at the end of the day, I 502 00:26:41,560 --> 00:26:44,720 Speaker 4: want to rest well, okay. And so for me, that 503 00:26:44,840 --> 00:26:50,679 Speaker 4: means staying steadfast in my in my commitments to the 504 00:26:50,680 --> 00:26:53,200 Speaker 4: people that I love in my life, to my husband, 505 00:26:53,240 --> 00:26:56,760 Speaker 4: to my children being there for them. But that means 506 00:26:56,800 --> 00:26:59,119 Speaker 4: also as I need to earn income. 507 00:26:59,240 --> 00:27:02,880 Speaker 3: Because this is a bit of society. 508 00:27:02,280 --> 00:27:04,560 Speaker 4: I think I have a responsibility to myself and to 509 00:27:04,600 --> 00:27:07,119 Speaker 4: my ancestors to do the thing that makes me happy, 510 00:27:07,520 --> 00:27:09,720 Speaker 4: to do the thing that I'm passionate about, and to 511 00:27:09,800 --> 00:27:13,520 Speaker 4: do it well. And so sometimes that means I need 512 00:27:13,560 --> 00:27:16,639 Speaker 4: to pivot a little bit so that what I'm doing 513 00:27:16,720 --> 00:27:18,359 Speaker 4: will fit the lifestyle that I want. 514 00:27:18,640 --> 00:27:22,440 Speaker 3: And that's fine. I need to be open to that opportunity. 515 00:27:22,600 --> 00:27:26,639 Speaker 2: You are special, okay when I say that, because you know, 516 00:27:27,480 --> 00:27:30,280 Speaker 2: I almost wanted you to be my friend and wena friend, 517 00:27:30,359 --> 00:27:32,840 Speaker 2: you know, because of the fact that you care, you know, 518 00:27:33,119 --> 00:27:36,119 Speaker 2: and that's why that's why I said, I don't care 519 00:27:36,160 --> 00:27:38,960 Speaker 2: what era you would have been born in. You're gonna 520 00:27:38,960 --> 00:27:40,720 Speaker 2: be at the front of the line and you would 521 00:27:40,760 --> 00:27:43,440 Speaker 2: have something to say. And that's a very powerful statement 522 00:27:43,480 --> 00:27:46,600 Speaker 2: and a testament that you are a very, very honest 523 00:27:46,640 --> 00:27:47,399 Speaker 2: and real person. 524 00:27:47,680 --> 00:27:49,000 Speaker 3: Thank you. I appreciate that. 525 00:27:49,040 --> 00:27:51,320 Speaker 1: Thank you for coming on Money Making Conversation, Mastic class. 526 00:27:51,400 --> 00:27:52,480 Speaker 3: Thank you for having me. 527 00:27:52,880 --> 00:27:54,800 Speaker 1: Thank you for listening to this episode. 528 00:27:54,960 --> 00:27:56,600 Speaker 2: Now I need for you to do me a favor 529 00:27:57,320 --> 00:28:00,760 Speaker 2: right now to follow, or subscribe to Money Make Conversation. 530 00:28:01,040 --> 00:28:05,320 Speaker 2: It's free and you can find it on the iHeartRadio app, Spotify, 531 00:28:05,640 --> 00:28:09,480 Speaker 2: Apple Podcasts, or wherever you get your podcasts. Please do 532 00:28:09,560 --> 00:28:14,720 Speaker 2: me that favor. 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