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Speaker 1: All right, his way up with Angela. Yee. I'm so excited.

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Speaker 2: You know, this is part of our insolidarity initiative, and

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Speaker 2: Massacard has been partnering with iHeart to produce these priceless

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Speaker 2: conversations with me and we're bringing together thought leaders, financial experts,

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Speaker 2: and business owners to sit down and kind of share

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Speaker 2: your expertise and share your stories. And so we're talking

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Speaker 2: today about the role that financial literacy plays in building

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Speaker 2: and maintaining wealth and sustaining legacy in the black community.

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Speaker 2: So today we have Nicole Turner, who is the Senior

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Speaker 2: vice president of Technology Hubs at MasterCard.

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Speaker 3: Welcome, Thank you, so excited to be here.

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Speaker 1: I'm so happy to have you. And you know, just

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Speaker 1: full disclosure.

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Speaker 2: She's from Brooklyn, yes, and the house Tanya band Court,

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Speaker 2: the founder and CEO of Goal Setter.

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Speaker 4: Hey, thank you for having me, who.

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Speaker 2: Travel from Brooklyn today straight from best And then you

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Speaker 2: guys should all know Stacy Tisdale at this point. You

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Speaker 2: know she's my co She is my co host for

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Speaker 2: Wealth Wednesdays, but also the CEO of My Money Media.

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Speaker 2: She's a financial expert, author and broadcast journalist. Hello, Stacy, Angela,

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Speaker 2: how's everybody feeling today because we always got to start

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Speaker 2: with that.

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Speaker 3: I'm feeling excited, empowered, I'm ready to rock and roll.

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Speaker 2: Yeah, I mean, the pre conversation was amazing, just talking

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Speaker 2: about different goals, finances, being patient.

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Speaker 1: But Nicole, let's start with you. As we're doing this conversation.

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Speaker 2: Financial inclusion is one of the key pillars of Mastercard's

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Speaker 2: social impact strategy and in solidarity efforts. Can you talk

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Speaker 2: more about Mastercard's commitment to financial inclusion and also we

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Speaker 2: always talk about the tangibles the programs that you have

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Speaker 2: that supported sure.

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Speaker 3: Of course, when I think about MasterCard and the commitment

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Speaker 3: that we have to try to close the racial equity gap,

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Speaker 3: tell me it's been something that's been important that we've

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Speaker 3: been doing for a long time. I love the fact

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Speaker 3: that not only do we talk it, but we walk it.

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Speaker 3: We understand that in order for us to be successful

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Speaker 3: in our business and what we do, closing that gap

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Speaker 3: is equally important, especially when it comes to financial inclusion

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Speaker 3: and financial literacy holistically. And so when we think about

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Speaker 3: the programs that we have and some of the partners,

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Speaker 3: and we'll talk later with my friend that's here from

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Speaker 3: Goal Setter, we understand and by supporting and working with

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Speaker 3: these partners, not only do they help us continue and

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Speaker 3: improve the digital divide that we need to say how

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Speaker 3: do we close it? But then also how do we

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Speaker 3: make inclusive products in order for us to do this

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Speaker 3: as well?

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Speaker 2: And you know, I just want to put this out

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Speaker 2: there first too, Nicole, just your background and how you

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Speaker 2: got to Masteracre, because I love for people to know

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Speaker 2: how everybody got to where they are today as well

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Speaker 2: in this space.

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Speaker 3: Yes, so before I join MasterCard, I used to open

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Speaker 3: up healthcare facilities and long term care facilities in underrepresented

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Speaker 3: communities in Bushwick, Brooklyn and in the Bronx. And it

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Speaker 3: was important that the agency that I work with at

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Speaker 3: the time said, you know what, we're looking to put

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Speaker 3: three and four hundred jobs in the communities. We realize

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Speaker 3: that there's a change that's happening. But in order to

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Speaker 3: do that, use your HR background to hire people from

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Speaker 3: the community and upskill them. In order when you upskill them,

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Speaker 3: not only do you help the economic community, but you

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Speaker 3: also help the real estate. And at that time, they

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Speaker 3: were doing a lot of programs from a low income

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Speaker 3: housing perspective. This company I was working with, so not

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Speaker 3: only were we bringing jobs, we also was giving them

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Speaker 3: mortgage grants as well.

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Speaker 2: I think it's important to know all of those things

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Speaker 2: because we do care about the people who are behind

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Speaker 2: these programs. And so when we're talking about MasterCard, just

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Speaker 2: to see how much you care about the community outside

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Speaker 2: of this and what got you here today. So thank

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Speaker 2: you for sharing that, Tanya.

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Speaker 1: Let's move on to you. Let's talk about goal Setter.

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Speaker 2: What goal Setter is the need that you saw specifically

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Speaker 2: in the black community, and how goal Setter is helping

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Speaker 2: to close the wealth gap as well.

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Speaker 4: Absolutely so. Goal Setter is a family find nan and

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Speaker 4: financial education platform. So for any of your listeners out

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Speaker 4: there who may have a kid's debit card for their kid,

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Speaker 4: goal Setter allows your kid to have a debit card,

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Speaker 4: but to have that debit card with financial education. And

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Speaker 4: I'll tell you why. My mother was an elementary school teacher.

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Speaker 4: I did everything in my house that had everything to

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Speaker 4: do with education, right. You know how it is when

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Speaker 4: you live in the house with the teacher, right, everything

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Speaker 4: you do is like accounted, like everything is. So because

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Speaker 4: of her, I ended up going to Stanford. I got

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Speaker 4: two degrees in engineering, so on a great track from

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Speaker 4: an educational perspective. But I came out of Stanford and

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Speaker 4: there's one thing I didn't know about. I didn't know

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Speaker 4: about money because my mama didn't teach me about money

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Speaker 4: because she didn't know about money. So I'm in my

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Speaker 4: late twenties. I have a job in Silicon Valley. At

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Speaker 4: that job, they give me a bunch of stock and

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Speaker 4: stock options, and I don't know about diversification or asset allocation,

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Speaker 4: so I just leave it there. I picked my head

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Speaker 4: up one day that stock is worth a million dollars.

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Speaker 4: That was at the beginning of the day. Because by

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Speaker 4: the end of the day, the big tech bubble had

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Speaker 4: burst and my million dollars went down to twenty thousand

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Speaker 4: dollars in one day.

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Speaker 5: That's what I said to my million, to.

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Speaker 4: See, I.

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Speaker 5: Understand stuff.

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Speaker 4: You don't understand options, you don't understand vesting, and that

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Speaker 4: you could sell them, and that you could diversify. So

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Speaker 4: in that moment, I thought, Okay, this was stupid, but

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Speaker 4: I can't turn back the hands of time. All I

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Speaker 4: can do is make sure this doesn't happen to my

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Speaker 4: own children. Fast forward, when I actually had my daughter, Gabrielle,

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Speaker 4: I taught her everything I had since learned about personal

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Speaker 4: finance from the time she came out of my womb.

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Speaker 4: And when she was eight, about to turn nine, she said, Mommy,

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Speaker 4: for my ninth birthday, I really only want two things.

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Speaker 4: I said, what's that? She said, enough money to say

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Speaker 4: for an investment account? Wow, and a bike. Thought at

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Speaker 4: that age, if I could get every child, you say that,

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Speaker 4: I can change the world. And so that's what Goal

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Speaker 4: Setter is. We provide, not us a debit card for

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Speaker 4: your kids, because let's be honest, America teaches kids from

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Speaker 4: the time that they are born how to send and

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Speaker 4: spend money. We can go to kids now and say,

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Speaker 4: how many of you have cashp how many of you

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Speaker 4: have themo how many of you have sending and spending mechanisms?

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Speaker 4: And they do and they do. Excuse me, how many

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Speaker 4: of you know about investment accounts? How many of you

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Speaker 4: know what a bond is? How many of you know

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Speaker 4: what a stock is? And they don't. And so that's

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Speaker 4: what we do at Goal Setter. Our debit card actually

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Speaker 4: comes with a rule called learn before you burn, so

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Speaker 4: your kids debit card will automatically freeze on Sunday morning

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Speaker 4: if they haven't taken their financial literacy queens for the weekend.

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Speaker 1: Oh I like that for me.

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Speaker 2: And while you were talking about all of those things,

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Speaker 2: I was thinking about, like me not having financial literacy

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Speaker 2: when I was younger, and when I got my first

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Speaker 2: bank account. And before we get to you, Stacey, do

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Speaker 2: you guys all remember when you got your first ever

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Speaker 2: bank account?

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Speaker 4: Absolutely?

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Speaker 3: I do. I remember it was I was so proud

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Speaker 3: at the time. There was a program. I was going

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Speaker 3: to school in East New York, but my mother had

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Speaker 3: busted me to a school in Meal Base Shoes PS.

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Speaker 3: Two thirty six, and what they did was they had

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Speaker 3: given us they set up bank accounts for us. At

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Speaker 3: that time, I felt so proud just to have a

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Speaker 3: couple of five dollars or something that was in it.

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Speaker 3: It gave me a sense of pride to open up

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Speaker 3: my first bank account. I remember those days.

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Speaker 4: Absolutely, and I remember getting my first bank account because

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Speaker 4: then I was like, oh, now I can get a job,

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Speaker 4: so I can put some money in that bank account.

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Speaker 5: Right.

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Speaker 4: You associate a bank account with wealth and money, and

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Speaker 4: that gives you the motivation. But you know, a bank

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Speaker 4: account and investing are two different things, and that is

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Speaker 4: what our community is lacking right now understanding of how

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Speaker 4: to build wealth, not just how to make money exactly.

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Speaker 1: Well, now, Stacey, let's get to you.

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Speaker 2: And you remember your first time opening because that was

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Speaker 2: my first foray into anything financial, like having a bank account,

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Speaker 2: and it wasn't until I was in high school. And

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Speaker 2: so that's why I remember it so well. I think

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Speaker 2: I was like a junior in high school and I

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Speaker 2: didn't have much in there. But imagine not even having

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Speaker 2: that then, how was I going to be able to

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Speaker 2: invest anything or learn about it? And so that was

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Speaker 2: quite a journey for me. Yeah, and so Stacy, now

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Speaker 2: let's get.

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Speaker 1: Over here to you.

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Speaker 2: You know, this is my girl, Stacy, so I can't

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Speaker 2: assume that everybody knows everything about her. But in your

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Speaker 2: work you've talked about financial behaviors developing at an early age,

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Speaker 2: how messages from society impact our financial choices. Can you

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Speaker 2: share some more insight about this and also some of

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Speaker 2: the barriers that exist, particularly in the black community, and

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Speaker 2: also because we like to be you know, just always

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Speaker 2: think about solution tips on how to overcome them.

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Speaker 5: Absolutely, and I think all of the questions you just

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Speaker 5: answered are in my story. So I'll share my story

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Speaker 5: just as you ladies have a big AHA moment for

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Speaker 5: me when it came to money was when I was

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Speaker 5: in college and a friend of mine's father worked for

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Speaker 5: a brokerage company called pain Weber. That will really date me,

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Speaker 5: and we walked into he was going to take us

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Speaker 5: out to lunch one day, and I'd never been around

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Speaker 5: Wall Street or anything like that, and we walked into

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Speaker 5: his office and I saw my first trading floor and

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Speaker 5: I was like, I have never seen anything like this before,

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Speaker 5: and it was an incredible experience. I went back. I

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Speaker 5: changed my major to business right away intern there. Got

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Speaker 5: a job right out of college at a commodities firm,

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Speaker 5: and I was a cash manager and invested in the

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Speaker 5: treasury markets, so I really learned how the economy worked

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Speaker 5: and how the markets work within economy. Didn't want to

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Speaker 5: stay on Wall Street. Came out of the womb loving writing,

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Speaker 5: and I called the Wall Street Journal and I said,

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Speaker 5: I know finance, I love writing, and they actually bought

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Speaker 5: that story and they hired me and I started at

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Speaker 5: their newswire service. Eventually moved to their television department and

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Speaker 5: I was there for seven years, and it was just

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Speaker 5: wonderful to see now I've seen the corporate side of money.

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Speaker 5: So CBS was starting a business news division called market Watch,

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Speaker 5: and I got hired to be their first on air reporter,

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Speaker 5: and that was a journalist's dream because I had to

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Speaker 5: do every single CBS show, from morning news to evening news,

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Speaker 5: everything in between radio and that really brought me to

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Speaker 5: Main Street. I was at CBS for many years, and

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Speaker 5: then I went to CNN Global and I was really

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Speaker 5: starting to have a lot of conflict about being a

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Speaker 5: financial journalist, about doing this the information we were putting out,

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Speaker 5: and from working on Wall Street, because I could see

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Speaker 5: that knowledge does not translate into behavior, and especially all

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Speaker 5: the big financial gurus at the time, I'm not going

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Speaker 5: to name any names, but really kind of making us

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Speaker 5: feel bad. You're supposed to put this amount into retirement,

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Speaker 5: You're supposed to do this, and I could see people

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Speaker 5: can't do that, they don't do that, So why aren't

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Speaker 5: we doing that? And I thought it was kind of

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Speaker 5: a failure by the financial services industry and the financial

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Speaker 5: media the way they were giving financial advice journalists, and

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Speaker 5: we had to know why why do we do what

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Speaker 5: we do when it comes with money? And I went

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Speaker 5: on what I had no idea was going to be

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Speaker 5: a six year research project into what drives financial behavior.

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Speaker 5: Because of my career, I had access to the greatest

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Speaker 5: minds in the world. Psychologists don't remember Clinton Gore's addiction specialists,

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Speaker 5: because that's financial behavior. Everything for my research problem became

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Speaker 5: very clear. When we have trouble with money, we go

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Speaker 5: straight to the numbers. I got to earn more, save more,

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Speaker 5: invest more. The real causes of our financial behavior have

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Speaker 5: got absolutely nothing to do with numbers. We make our

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Speaker 5: choices based on our beliefs, and our beliefs are the

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Speaker 5: result of things that have nothing to do with money.

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Speaker 5: How we saw it handled growing up, social messages to

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Speaker 5: live a certain lifestyle, have certain things, or you're not whatever, gender, culture, race,

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Speaker 5: all of these former beliefs about ourselves, and that's drives

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Speaker 5: our financial choices. So the dance becomes teaching people how

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Speaker 5: to manage those choices, to become aware of what's really

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Speaker 5: pushing their buttons, so that at that moment they can say, oh,

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Speaker 5: I can make a different choice. So I wrote a

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Speaker 5: book about that, and it came out in two thousand

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Speaker 5: and eight, and I hate to say it was good timing.

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Speaker 5: But it was a huge recession and a very emotional recession.

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Speaker 5: And I started my book tour on the Today Show,

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Speaker 5: and really, I think it just really resonated for people

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Speaker 5: to hear about money spoken in that way. So that

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Speaker 5: appearance turned into a three year gig. A lot of

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Speaker 5: people watch that show. So the White House contacted me

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Speaker 5: and asked me to create a behavior based financial education

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Speaker 5: system based on this holistic approach to money. Did that

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Speaker 5: and then went on to create my own financial education program.

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Speaker 5: My journalism career continued PBS Black and Enterprise, and one

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Speaker 5: of my jobs right when I left Black Enterprises start

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Speaker 5: my own company, a show called The Breakfast Club asked

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Speaker 5: me to come on and talk about blacks and investing

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Speaker 5: and what I had seen. And I'll just never forget

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Speaker 5: this from the first time President Obama ran when it

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Speaker 5: became clear he was going to win. In the weeks

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Speaker 5: before his presidency, the number of Blacks going to sign

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Speaker 5: up for financial literacy courses, going to sign up for

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Speaker 5: entrepreneurship courses, going to sign up for advice ten thousand tupled.

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Speaker 5: So I love his saying the audacity of hope. So

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Speaker 5: the X factor was actually the hope and I remember

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Speaker 5: my first segment I did with Angela, and I was

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Speaker 5: talking about the mentality and the Black community that you

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Speaker 5: need to be rich to invest. Totally understand where that

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Speaker 5: comes from, and totally understand why we don't trust the

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Speaker 5: financial markets. Though our story is told wrong and we

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Speaker 5: are an incredible story of resilience. But now technology fintech

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Speaker 5: is providing solutions that the government failed to and it

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Speaker 5: guess what, it takes out that discrimination piece and now

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Speaker 5: it's micro investing was created and now it's investing is

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Speaker 5: accessible to everyone. I mentioned one company's name in that interview,

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Speaker 5: and I'm not saying that company now, but while I

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Speaker 5: was in that interview, four million people signed up for

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Speaker 5: that company's app amazing, and then we saw our community

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Speaker 5: does have an appetite for this type of information and

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Speaker 5: they're hungry for it. And talk we're always told as

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Speaker 5: lax and at the bottom. Talk to us from our

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Speaker 5: position of power, help us make empowered financial decisions. And

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Speaker 5: that's that's where the work has to go. So a

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Speaker 5: holistic approach, you know people talk about behavioral finance or

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Speaker 5: holistic approach, is like there's something different. That's the only

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Speaker 5: way to learn about money you have to work on

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Speaker 5: mindset and help people remember how strong they really are.

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Speaker 2: And go to trusted companies for companies. Yeah, and also

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Speaker 2: because you know, it's there's so many people out there

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Speaker 2: that call themselves gurus and listen, That's why it's so

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Speaker 2: important to have these platforms here where Mastercard's been doing

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Speaker 2: this work. And so we're going to get to that

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Speaker 2: and thank you Stacy in a second. But Tanya, I

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Speaker 2: want you to talk about your partnership with MasterCard over

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Speaker 2: the years and more specifically the programming that you are

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Speaker 2: doing and activating with HBCU students.

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Speaker 4: Absolutely.

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Speaker 5: Well.

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Speaker 4: The thing I love about MasterCard is that MasterCard is

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Speaker 4: really focused on you know, through their Center for Inclusive Growth,

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Speaker 4: they are focused on inclusivity. How do you include more

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Speaker 4: people in the conversation and include more people in wealth

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Speaker 4: building in ways that meet them where they are. To

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Speaker 4: the point that Stacy just made right, I know that

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Speaker 4: that they're folks sitting in classrooms across America where some

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Speaker 4: banker comes across the street and is teaching them about

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Speaker 4: the stock market, but that banker is thirty years older

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Speaker 4: than them, doesn't speak their language, doesn't come from their community,

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Speaker 4: and all of those kids have their heads down on

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Speaker 4: their desk and are falling asleep. It's not because they

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Speaker 4: can't learn, it's because the teacher can't teach.

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Speaker 1: And so, you know what they can relate.

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Speaker 4: They can't relate absolutely, and sometimes they can't relate to

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Speaker 4: the stories. They can't relate to the you know, to

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Speaker 4: the examples of what investing means or what investing will

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Speaker 4: bring you and your family and your community. So all

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Speaker 4: of that relatability is really important. All of that is

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Speaker 4: to say, with MasterCard, we have just recently launched a

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Speaker 4: financial freedom project with the HBCUs in the Atlanta area

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Speaker 4: and so Morehouse Spelman Clark Atlanta. We have brought to

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Speaker 4: them this Financial Freedom boot Camp. So it's ten sessions

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Speaker 4: where we are for twenty to thirty minutes in every

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Speaker 4: single session talking about a different financial concept that is

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Speaker 4: the core of wealth building and that people need to

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Speaker 4: know in order to build wealth.

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Speaker 1: Right.

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Speaker 4: We just kicked off last week incredibly exciting, had all

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Speaker 4: these amazing AUC students in the room, and we start

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Speaker 4: with questions like who knows what the rule of seventy

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Speaker 4: two is? Nobody's raising their hand and that's okay because

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Speaker 4: we're now about to share it with you. The rule

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Speaker 4: of seventy two teaches you how fast your money will

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Speaker 4: double based on where you invest it. And so now

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Speaker 4: after that twenty minute session, everyone says, wow, okay, So

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Speaker 4: I just can't stick my money under a mattress or

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Speaker 4: in a savings account that's going to yield me zero

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Speaker 4: point one percent interest. I need to do something better,

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Speaker 4: So click, I got that right. Then in the second

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Speaker 4: session we talk about okay, great, now you know you

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Speaker 4: need to do better. How do you do better? Where

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Speaker 4: can you put your money where your money will have

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Speaker 4: an opportunity to grow at seven percent per year for

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Speaker 4: the next thirty years. Oh well, that's something called the

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Speaker 4: stock market. But I don't have to be a stock picker.

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Speaker 4: I can learn about ETFs and mutual funds and index funds.

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Speaker 4: So then we introduce that language and we tell them

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Speaker 4: about that language. The reason all of this is so

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Speaker 4: important is because we all know if you don't know

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Speaker 4: the language of money, then anybody can sell you anything

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Speaker 4: because you feel ashamed about not understanding the concepts, and

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Speaker 4: you just sit there and do what we all do. Right,

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Speaker 4: You go into the mortgage loan place and you just nod.

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Speaker 4: They may have a really bad interest rate on that

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Speaker 4: piece of paper, but you don't know what good is.

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Speaker 4: And so we're teaching them the language of money, and

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Speaker 4: we're also giving them the goal setter app. MasterCard is

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Speaker 4: putting one hundred dollars onto these students' accounts so that

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Speaker 4: before they graduate they can be savers and investors. We

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Speaker 4: are turning the next generation of AUC students from senders

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Speaker 4: and spenders into savers and investors and giving them both

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Speaker 4: the tools so that they can start investing and the

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Speaker 4: knowledge to do so.

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Speaker 5: Oh.

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Speaker 2: I love that the confidence that comes with being able

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Speaker 2: to know that you have that information too. I'm just

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Speaker 2: now flashing back to the first time I had to

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Speaker 2: do a mortgage and what that process was like for me. Absolutely,

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Speaker 2: you're confident I did on but I did on my

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Speaker 2: research ahead of time.

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Speaker 3: So it's interesting and I'm glad you said that you

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Speaker 3: did your research because I didn't. So when you said,

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Speaker 3: you know, it wasn't until you got older that you realized, Okay,

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Speaker 3: how do I understand about numbers and financing? We were

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Speaker 3: talking before. I wish I had this goal than when

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Speaker 3: I was younger, right, because growing up I wasn't taught that.

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Speaker 3: That wasn't the behavior in my family for us to

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Speaker 3: sit down at dinner to have those conversations and say,

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Speaker 3: let's talk about savings, let's talk about investing.

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Speaker 1: We didn't talk about money in my house, no, not

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Speaker 1: at all.

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Speaker 2: It was like, don't open those bills because we can't

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Speaker 2: do it. It was my mom my dad being like,

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Speaker 2: your mother spends all the money, and then my mom

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Speaker 2: hiding packages so that he wouldn't see her going shopping

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Speaker 2: and bringing them in the house.

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Speaker 5: It was all that and then those early impressions that's

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Speaker 5: I mean, that's what sets how you hand no money.

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Speaker 5: I remember my mother hiding stuff in the trunk, so

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Speaker 5: my father and so you.

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Speaker 1: Grew up the house.

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Speaker 5: And well was interesting for me. I grew up as

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Speaker 5: a figure skater, I lived away from my parents and

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Speaker 5: an athlete, and I always had that messaging you just

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Speaker 5: worry about what you're doing. We'll worry about the money.

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Speaker 5: You just worry about what you're doing. We'll worry about

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Speaker 5: the money. And as I got into my work and

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Speaker 5: I was like, oh, and I said, even in my

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Speaker 5: adult behavior as far as worrying about the details and

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Speaker 5: getting into the nitty gritty. It's not natural to me,

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Speaker 5: but you have to know yourself well enough to know

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Speaker 5: your tendencies. And that's also a big part of the

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Speaker 5: about financial literacy, exactly what you're talking about.

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Speaker 2: And you know, I'm so glad because we are going

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Speaker 2: to get into this program more. But even just to

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Speaker 2: piggyback off of what you said about a mortgage, you know,

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Speaker 2: I actually got my real estate license, But part of

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Speaker 2: the reason I did that was because I had been

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Speaker 2: doing these deals for myself in real estate and I

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Speaker 2: wanted to make sure I was as educated as possible

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Speaker 2: on everything on every aspect, so that when I was

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Speaker 2: going in and meeting with brokers and going to get

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Speaker 2: my mortgage and mortgage and doing all of that, I

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Speaker 2: understood it so well that nobody could really try to

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Speaker 2: get over on me. And it's just so much better

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Speaker 2: when you can walk in there with the confidence of

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Speaker 2: knowing that you know, I educated myself. That's why I

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Speaker 2: love goal Setter and the fact that you're saying, Okay,

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Speaker 2: you want to access this, so you want to do

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Speaker 2: this well, first you have to make sure you take

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Speaker 2: this course and you know it's information I think that

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Speaker 2: kids will hold on to.

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Speaker 5: It's so cliche, but knowledge is power, and it really is.

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Speaker 4: I have to tell you this is so funny because

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Speaker 4: I have kids, right and I see the impact that

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Speaker 4: it has on them. And my kids are from eight

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Speaker 4: all the way to nineteen. So my fourteen year old

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Speaker 4: I picked him up from basketball practice the other day

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Speaker 4: and his friend got in the back seat with him

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Speaker 4: and he said, Miss Tanya, did Hendrix tell you that

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Speaker 4: when we are in the line at Chick fil A,

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Speaker 4: he's always trying to hurry up and finish his quiz so.

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Speaker 2: That I can access so levcard can get a lot

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Speaker 2: of money.

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Speaker 1: He gets to the front of the line.

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Speaker 4: So that's on one side, and then on the other side.

439
00:21:51,400 --> 00:21:54,080
Speaker 4: I have my nineteen year old daughter. When she turned eighteen,

440
00:21:54,160 --> 00:21:56,880
Speaker 4: because she had been taking these quizzes for many years,

441
00:21:57,040 --> 00:21:59,040
Speaker 4: she called me up and she said, Mommy, I'm eighteen.

442
00:21:59,080 --> 00:22:01,760
Speaker 4: Now I think I need to pull my credit score.

443
00:22:01,760 --> 00:22:03,560
Speaker 4: But I probably don't have a credit score yet because

444
00:22:03,560 --> 00:22:05,000
Speaker 4: I don't have a credit card. So I'm gonna go

445
00:22:05,000 --> 00:22:06,760
Speaker 4: get a credit card so I can build my credit.

446
00:22:07,000 --> 00:22:09,639
Speaker 4: I need to go get a roth Ira, and I

447
00:22:09,680 --> 00:22:11,960
Speaker 4: need to open up a high Field savings account. Anything

448
00:22:11,960 --> 00:22:15,320
Speaker 4: else mommy, and it was because she'd been taking these

449
00:22:15,320 --> 00:22:22,720
Speaker 4: weekly financial Yes, but that is the difference. And as

450
00:22:22,760 --> 00:22:26,640
Speaker 4: we talk about creating products for our community, right, I'm

451
00:22:26,640 --> 00:22:29,400
Speaker 4: one of the very few black women in America who

452
00:22:29,480 --> 00:22:33,320
Speaker 4: owns a fintech company and an aed tech company, And

453
00:22:33,440 --> 00:22:37,040
Speaker 4: so our company looks very different and acts very different

454
00:22:37,080 --> 00:22:39,399
Speaker 4: than a standard debit card that you stick into kid's hands,

455
00:22:39,680 --> 00:22:42,560
Speaker 4: because I know I'm not going to do that disservice

456
00:22:42,600 --> 00:22:45,280
Speaker 4: to my children, nor to any of the other children

457
00:22:45,359 --> 00:22:47,800
Speaker 4: in our community, of just teaching them how to spend

458
00:22:47,880 --> 00:22:51,399
Speaker 4: money without the other side, which is learning about building

459
00:22:51,440 --> 00:22:55,000
Speaker 4: your credit, learning about investing, learning about saving. So it's

460
00:22:55,040 --> 00:22:57,480
Speaker 4: great that they learn how to be responsible spenders, but

461
00:22:57,920 --> 00:23:00,160
Speaker 4: we all know that being a responsible.

462
00:22:59,600 --> 00:23:02,320
Speaker 5: Spend is not that is definitely not.

463
00:23:04,000 --> 00:23:07,000
Speaker 4: Check to checheck, right, you cannot do that. And so

464
00:23:07,240 --> 00:23:11,760
Speaker 4: you know that having black people and black women who

465
00:23:12,000 --> 00:23:15,480
Speaker 4: are bringing a different lens to how we create products

466
00:23:15,520 --> 00:23:18,040
Speaker 4: for our community is essential. And that's the other thing

467
00:23:18,040 --> 00:23:20,720
Speaker 4: that quite frankly, MasterCard has done by being an investor

468
00:23:20,720 --> 00:23:24,200
Speaker 4: and goal setter, right, MasterCard has powered us to do

469
00:23:24,240 --> 00:23:26,439
Speaker 4: this work in a way that other people, quite frankly

470
00:23:26,480 --> 00:23:28,400
Speaker 4: can't do it because they come with a very different lens.

471
00:23:28,480 --> 00:23:30,920
Speaker 2: Well, Nicle, have a question for you now, all right,

472
00:23:31,000 --> 00:23:33,440
Speaker 2: we've talked about the MasterCard Start Path program and how

473
00:23:33,440 --> 00:23:38,240
Speaker 2: it helps early stage underrepresented founders a bit on previous episodes.

474
00:23:38,520 --> 00:23:42,359
Speaker 2: Why is it important to invest in underrepresented startups and

475
00:23:42,400 --> 00:23:47,800
Speaker 2: how is this beneficial to Mastercard's overarching financial inclusion strategy.

476
00:23:48,280 --> 00:23:52,000
Speaker 3: Of course, love that question, Angela, And first you so

477
00:23:52,080 --> 00:23:54,520
Speaker 3: eloquently talked about the work that we do holistically as

478
00:23:54,600 --> 00:23:58,399
Speaker 3: one of our start Path Right partners. When we think

479
00:23:58,440 --> 00:24:00,719
Speaker 3: about start Path, when we think about connecting with some

480
00:24:00,760 --> 00:24:05,800
Speaker 3: of those fintech startups, those education startups, it's helping us

481
00:24:05,840 --> 00:24:08,040
Speaker 3: connect with the community and power with the community on

482
00:24:08,080 --> 00:24:10,560
Speaker 3: a broader scale. And some of those digital products, although

483
00:24:10,760 --> 00:24:13,600
Speaker 3: I call it inclusive products that we have, it's helping

484
00:24:13,680 --> 00:24:15,760
Speaker 3: us say how do we touch everyone and have equal

485
00:24:15,840 --> 00:24:17,919
Speaker 3: access to everyone? And so I just want to take

486
00:24:18,000 --> 00:24:20,640
Speaker 3: us back for a little bit. In two thousand and six,

487
00:24:20,680 --> 00:24:24,360
Speaker 3: Right MasterCard Foundation was founded. In twenty fifteen, we made

488
00:24:24,400 --> 00:24:27,000
Speaker 3: a commitment to connect five hundred million people to the

489
00:24:27,000 --> 00:24:30,240
Speaker 3: digital economy. Since then, we've exceeded that goal. And what

490
00:24:30,280 --> 00:24:31,920
Speaker 3: we wanted to do is say, how do we have

491
00:24:32,160 --> 00:24:34,280
Speaker 3: one billion people by twenty twenty five. How do we

492
00:24:34,320 --> 00:24:36,920
Speaker 3: connect Well, we also said, let's push our goals a

493
00:24:36,960 --> 00:24:39,560
Speaker 3: little bit further. We want to connect with fifty million

494
00:24:39,560 --> 00:24:44,040
Speaker 3: small business owners, one billion underserved individuals, but also twenty

495
00:24:44,080 --> 00:24:47,480
Speaker 3: five million women entrepreneurs. Now, think about this start Path

496
00:24:47,520 --> 00:24:50,240
Speaker 3: program and what it can do when you connect these

497
00:24:50,400 --> 00:24:54,160
Speaker 3: entrepreneurs and these FinTechs together to create these digital products

498
00:24:54,200 --> 00:24:56,639
Speaker 3: that can help our communities. More broadly, we're in the

499
00:24:56,680 --> 00:24:59,040
Speaker 3: digital age right now. So I mentioned earlier, how do

500
00:24:59,119 --> 00:25:01,320
Speaker 3: we close that gap? And so some of the partners

501
00:25:01,320 --> 00:25:03,240
Speaker 3: and the products that we have, we have goals. That is,

502
00:25:03,400 --> 00:25:07,920
Speaker 3: we have Wealthy, we have SUMA. Right, there's different fintech

503
00:25:08,040 --> 00:25:10,879
Speaker 3: organizations and products that we have that's out there that

504
00:25:11,200 --> 00:25:13,800
Speaker 3: not only if you think about can I access it,

505
00:25:14,280 --> 00:25:16,399
Speaker 3: but also can I see individuals who look like me

506
00:25:16,440 --> 00:25:19,560
Speaker 3: who are teaching me and educating me on these products?

507
00:25:19,600 --> 00:25:23,760
Speaker 5: Holistically, fintech is really the game changer. Yeah, yes, really,

508
00:25:23,880 --> 00:25:26,280
Speaker 5: we've been we've been talking about been talking about fintech

509
00:25:26,320 --> 00:25:30,080
Speaker 5: for a long time. And it was really wonderful to

510
00:25:30,080 --> 00:25:33,040
Speaker 5: see post twenty twenty the black community when everybody was

511
00:25:33,119 --> 00:25:35,879
Speaker 5: locked down and we saw how bad things really were

512
00:25:36,440 --> 00:25:39,200
Speaker 5: really it was like there was a collective decision. The

513
00:25:39,240 --> 00:25:41,840
Speaker 5: traditional economy was not made for us. It does not

514
00:25:41,920 --> 00:25:45,440
Speaker 5: work for us, and we migrated to the digital economy

515
00:25:45,520 --> 00:25:48,320
Speaker 5: and it was explosive. And then you saw for the

516
00:25:48,400 --> 00:25:50,080
Speaker 5: last I think three years in a row, the first

517
00:25:50,480 --> 00:25:53,119
Speaker 5: largest number of first time investors to the stock market

518
00:25:53,160 --> 00:25:56,240
Speaker 5: are black. It's because of fintech. Yes, and we've been

519
00:25:56,280 --> 00:26:01,719
Speaker 5: on Wealth Wednesdays. We've been just raising that tech, bringing

520
00:26:01,760 --> 00:26:05,480
Speaker 5: that fintech bell for a year so that this MasterCard

521
00:26:05,480 --> 00:26:07,639
Speaker 5: that really applaud you on what you've really been a

522
00:26:07,680 --> 00:26:08,879
Speaker 5: pioneer and a leader in this.

523
00:26:09,119 --> 00:26:11,159
Speaker 3: Yeah, we have to walk the talk, right, we can't,

524
00:26:11,520 --> 00:26:13,119
Speaker 3: you know, in order for us to be effective in

525
00:26:13,160 --> 00:26:16,240
Speaker 3: our business, it's the authenticity around it. But it's the

526
00:26:16,280 --> 00:26:18,360
Speaker 3: commitment as well, and it's not for the short term.

527
00:26:18,359 --> 00:26:21,320
Speaker 3: It's for the long term gain for us, for our communities.

528
00:26:21,480 --> 00:26:23,600
Speaker 3: We were at as an organization where we put our

529
00:26:23,640 --> 00:26:26,720
Speaker 3: money at our businesses or our locations, but it's also

530
00:26:26,760 --> 00:26:29,000
Speaker 3: important to affect the communities is at large.

531
00:26:29,440 --> 00:26:31,760
Speaker 2: Well, let's talk about some of those locations. Let's talk

532
00:26:31,800 --> 00:26:35,399
Speaker 2: about MasterCards, tech hubs and all of those things. My

533
00:26:35,520 --> 00:26:37,960
Speaker 2: main thing when we started these conversations was for people

534
00:26:38,000 --> 00:26:41,479
Speaker 2: to have real tangibles and to see how can I

535
00:26:41,600 --> 00:26:43,840
Speaker 2: access this for what I do and where do I

536
00:26:43,920 --> 00:26:46,879
Speaker 2: need to be and how can this benefit me? What

537
00:26:46,920 --> 00:26:49,080
Speaker 2: are the different programs based on where I'm at in

538
00:26:49,080 --> 00:26:51,840
Speaker 2: my business? So can you just give us some insights

539
00:26:51,880 --> 00:26:52,360
Speaker 2: into that.

540
00:26:53,080 --> 00:26:55,520
Speaker 3: So when we think about mascoret global Technology hubs, so

541
00:26:56,080 --> 00:26:59,040
Speaker 3: there represent almost forty percent of MasterCards employees in these

542
00:26:59,080 --> 00:27:02,840
Speaker 3: locations around them. We believe in the locations where we're at.

543
00:27:02,840 --> 00:27:05,280
Speaker 3: So we're in New York City Saint Louis and I'll

544
00:27:05,280 --> 00:27:08,600
Speaker 3: just talk about those two locations for starters. And also

545
00:27:08,640 --> 00:27:10,359
Speaker 3: we have work that we do in Atlanta as well.

546
00:27:10,760 --> 00:27:13,200
Speaker 3: When we think about the locations of where our physical

547
00:27:13,240 --> 00:27:16,080
Speaker 3: presence is, we also understand the commitment in partnering with

548
00:27:16,320 --> 00:27:20,720
Speaker 3: not for profits government agencies on a community basis as well.

549
00:27:21,240 --> 00:27:25,760
Speaker 3: So our tech cubs unite diverse talent from software engineers, FinTechs,

550
00:27:26,359 --> 00:27:29,920
Speaker 3: you name it. In those tech cubs. All those creative

551
00:27:29,960 --> 00:27:33,160
Speaker 3: and innovative products that we're creating or producing and developing,

552
00:27:33,200 --> 00:27:36,320
Speaker 3: those inclusive products, they happen and they're develop at the

553
00:27:36,440 --> 00:27:39,480
Speaker 3: tech cubs that I manage. And so looking at the

554
00:27:39,520 --> 00:27:42,359
Speaker 3: people that we bring on board, but then also what

555
00:27:42,400 --> 00:27:45,160
Speaker 3: are some of the programs that run out of these

556
00:27:45,160 --> 00:27:48,080
Speaker 3: tech cubs. So we have master your Cards not only

557
00:27:48,119 --> 00:27:49,840
Speaker 3: are to run at the tech cups, but they also

558
00:27:49,880 --> 00:27:51,760
Speaker 3: in the community because we want to meet people where

559
00:27:51,760 --> 00:27:54,080
Speaker 3: they're at. They could be online, they could be virtual.

560
00:27:54,240 --> 00:27:57,399
Speaker 3: And we had an activation at clock Atlanta University and

561
00:27:57,560 --> 00:28:00,480
Speaker 3: ensuring that how do we reach out only students as well,

562
00:28:00,800 --> 00:28:03,840
Speaker 3: but how do we reach adults for them to understand

563
00:28:04,000 --> 00:28:09,240
Speaker 3: the inclusivity around financial education and financial literacy and so

564
00:28:09,720 --> 00:28:12,679
Speaker 3: the broadened aspect of where we're at and the continuation

565
00:28:12,840 --> 00:28:15,359
Speaker 3: isn't yes, it's us. We're also global in nature.

566
00:28:15,720 --> 00:28:15,840
Speaker 1: Man.

567
00:28:15,920 --> 00:28:17,840
Speaker 2: I love that because I feel like nowadays kids are

568
00:28:17,840 --> 00:28:19,040
Speaker 2: also teaching their parents.

569
00:28:19,280 --> 00:28:21,720
Speaker 3: Yes, oh for sure, the big time.

570
00:28:22,040 --> 00:28:25,280
Speaker 4: Okay, I just have to jump in and say to

571
00:28:25,480 --> 00:28:29,640
Speaker 4: that point. MasterCard just recently did a research study about

572
00:28:29,680 --> 00:28:32,040
Speaker 4: goal Setter users. Let me tell you what they found.

573
00:28:32,520 --> 00:28:34,560
Speaker 4: Eighty five percent of parents said their kids are better

574
00:28:34,640 --> 00:28:38,479
Speaker 4: savers because they use goal Setter. One out of two

575
00:28:38,560 --> 00:28:42,200
Speaker 4: parents said their kids are better investors because they use

576
00:28:42,240 --> 00:28:45,840
Speaker 4: goal Setter, but seventy five percent of parents said they

577
00:28:45,880 --> 00:28:50,000
Speaker 4: are more financially healthy themselves because their kids use their

578
00:28:50,000 --> 00:28:53,280
Speaker 4: goal setter, And thirty percent of parents said they are

579
00:28:53,400 --> 00:28:57,400
Speaker 4: using a different financial instrument or investment vehicle that they

580
00:28:57,520 --> 00:28:59,440
Speaker 4: learned about on goal Setter.

581
00:28:59,480 --> 00:29:01,959
Speaker 1: Oh my gosh, see this is a generational like it.

582
00:29:03,840 --> 00:29:06,280
Speaker 4: So when you said the kids are teaching the parents,

583
00:29:06,280 --> 00:29:08,600
Speaker 4: we never got how many of you all got financial education?

584
00:29:10,120 --> 00:29:12,400
Speaker 2: And in college all I did was sign up for

585
00:29:12,480 --> 00:29:13,240
Speaker 2: things I shouldn't have.

586
00:29:15,640 --> 00:29:17,320
Speaker 3: I want to say, is we're also doing something like

587
00:29:17,360 --> 00:29:20,240
Speaker 3: for the stem right for girls for tech black girls

588
00:29:20,240 --> 00:29:23,840
Speaker 3: who code, because again, how do you touch that demographic

589
00:29:24,080 --> 00:29:26,320
Speaker 3: those students in that age, and it is diververse mentoring

590
00:29:26,440 --> 00:29:30,080
Speaker 3: and educating, cating their parents. That's something that was never

591
00:29:30,120 --> 00:29:33,160
Speaker 3: the case for us. Think about the impact that we're

592
00:29:33,200 --> 00:29:35,680
Speaker 3: doing right now. So sometimes we say were worried about

593
00:29:35,680 --> 00:29:36,400
Speaker 3: the future. I'm not.

594
00:29:36,960 --> 00:29:38,080
Speaker 1: I was when I.

595
00:29:38,240 --> 00:29:40,080
Speaker 5: Told you when I came on the show the first

596
00:29:40,080 --> 00:29:43,640
Speaker 5: time and I mentioned that technology company for micro investing.

597
00:29:43,920 --> 00:29:46,880
Speaker 5: Who told me about that company?

598
00:29:47,160 --> 00:29:50,560
Speaker 1: He told me what I'm using.

599
00:29:50,840 --> 00:29:53,440
Speaker 2: I want to ask you guys a something because the

600
00:29:53,480 --> 00:29:56,760
Speaker 2: other day, my friend's son, he's fourteen years old, and

601
00:29:57,320 --> 00:29:59,600
Speaker 2: you know, he wasn't there, and I was with his

602
00:29:59,680 --> 00:30:02,160
Speaker 2: son and we were just having a conversation because he

603
00:30:02,480 --> 00:30:03,920
Speaker 2: said he's interested in real estate.

604
00:30:03,960 --> 00:30:05,200
Speaker 1: You know, he's in high school.

605
00:30:05,440 --> 00:30:08,360
Speaker 2: And he says to me, my biggest fear is that

606
00:30:08,440 --> 00:30:11,680
Speaker 2: one day I could be homeless. And I don't know

607
00:30:11,720 --> 00:30:15,600
Speaker 2: why he said that because his family, you know, they're good.

608
00:30:15,680 --> 00:30:17,600
Speaker 2: He lives in a house. It's not like there's ever

609
00:30:17,640 --> 00:30:19,560
Speaker 2: been that. But I do feel like a lot of

610
00:30:19,600 --> 00:30:22,040
Speaker 2: times people have this fear. I know I used to

611
00:30:22,040 --> 00:30:24,360
Speaker 2: always have this fear, like what if something happens, What

612
00:30:24,400 --> 00:30:26,520
Speaker 2: if I don't have a place to live, what if

613
00:30:26,560 --> 00:30:29,280
Speaker 2: I'm not set up properly? And I really did used

614
00:30:29,320 --> 00:30:31,400
Speaker 2: to think that when I was living check to check

615
00:30:31,520 --> 00:30:33,160
Speaker 2: and not even check to check, you.

616
00:30:33,080 --> 00:30:35,160
Speaker 1: Know, until I got myself in a better position.

617
00:30:35,240 --> 00:30:37,360
Speaker 2: But let's say a fourteen year old came to you

618
00:30:37,400 --> 00:30:39,360
Speaker 2: today and was like, look, this is my biggest fear

619
00:30:39,400 --> 00:30:41,080
Speaker 2: that one day I'll be homeless.

620
00:30:41,160 --> 00:30:43,680
Speaker 1: What would your answer be to that child.

621
00:30:44,720 --> 00:30:48,960
Speaker 4: My answer to that child would be, you can eliminate

622
00:30:49,040 --> 00:30:53,080
Speaker 4: that fear by managing your finances appropriately. And we're going

623
00:30:53,160 --> 00:30:56,160
Speaker 4: to teach you how to Most of us, because we

624
00:30:56,240 --> 00:30:59,240
Speaker 4: don't talk about money in our families. As we all

625
00:30:59,280 --> 00:31:02,800
Speaker 4: just talked about, it's scary, and of course that could

626
00:31:02,800 --> 00:31:05,280
Speaker 4: be your biggest fear because it's that money is a

627
00:31:05,320 --> 00:31:07,760
Speaker 4: black box and it's an unknown. But if somebody sitys

628
00:31:07,760 --> 00:31:10,000
Speaker 4: down with you and says, okay, the day you get

629
00:31:10,040 --> 00:31:12,000
Speaker 4: your first paycheck, let me tell you what we're gonna do.

630
00:31:12,160 --> 00:31:14,800
Speaker 4: We're gonna start putting away at least twenty percent out

631
00:31:14,800 --> 00:31:17,000
Speaker 4: of every paycheck until you have an emergency fund. That

632
00:31:17,080 --> 00:31:19,520
Speaker 4: emergency fund will be three to six months of your expenses.

633
00:31:19,680 --> 00:31:21,400
Speaker 4: So if you get fired from your job, don't worry

634
00:31:21,400 --> 00:31:22,800
Speaker 4: about it. You got three to six months that you

635
00:31:22,800 --> 00:31:24,880
Speaker 4: can live on right there. And then after you're done

636
00:31:24,880 --> 00:31:27,360
Speaker 4: with the emergency fund, the next dollar, we're going to

637
00:31:27,400 --> 00:31:30,120
Speaker 4: start investing that. You aren't a stock picker. You don't

638
00:31:30,120 --> 00:31:32,080
Speaker 4: need to be a stockpicker like Stacy over here, right.

639
00:31:32,120 --> 00:31:33,480
Speaker 4: You want to be a stock for a black station.

640
00:31:34,160 --> 00:31:36,720
Speaker 4: You can invest your money in a mutual fund or

641
00:31:36,760 --> 00:31:38,880
Speaker 4: an ETF. And here's how you do it, and this

642
00:31:38,920 --> 00:31:40,800
Speaker 4: is what it's done for the last thirty years. If

643
00:31:40,840 --> 00:31:43,440
Speaker 4: you invest one hundred thousand dollars in thirty years, it'll

644
00:31:43,440 --> 00:31:46,360
Speaker 4: be seven hundred and sixty one thousand dollars if you

645
00:31:46,400 --> 00:31:48,160
Speaker 4: put it into the stock market. And the stock market

646
00:31:48,200 --> 00:31:50,840
Speaker 4: returns what it always has. When they see a path,

647
00:31:51,600 --> 00:31:54,080
Speaker 4: then it's like, you know, after I was pregnant, when

648
00:31:54,120 --> 00:31:55,920
Speaker 4: my second child, and I was like, oh my goodness,

649
00:31:56,000 --> 00:31:57,440
Speaker 4: I got on his weight on me that I need

650
00:31:57,480 --> 00:31:59,120
Speaker 4: to get off. All I needed to do was go

651
00:31:59,160 --> 00:32:01,880
Speaker 4: to a boot camp and somebody need to show me. Okay,

652
00:32:01,920 --> 00:32:03,840
Speaker 4: you jump that rope one hundred times and then you

653
00:32:03,920 --> 00:32:06,200
Speaker 4: run around. We have to give them a path so

654
00:32:06,280 --> 00:32:08,120
Speaker 4: to get them away from that fear. And if we

655
00:32:08,160 --> 00:32:11,760
Speaker 4: give them a path, then they can see what their

656
00:32:11,760 --> 00:32:13,120
Speaker 4: lives can look and what's the.

657
00:32:13,000 --> 00:32:16,680
Speaker 5: Gold gold, gold, and what you just said. Your relationship

658
00:32:16,720 --> 00:32:19,560
Speaker 5: with money can teach you how to manage fear. Yes,

659
00:32:20,200 --> 00:32:24,400
Speaker 5: and it's managed fear. It's not real, that's right. And

660
00:32:24,480 --> 00:32:26,400
Speaker 5: we can show you how those fears aren't going to

661
00:32:26,480 --> 00:32:29,600
Speaker 5: come true. And that's what's so powerful about all of

662
00:32:29,640 --> 00:32:32,800
Speaker 5: it is really unpacking. Your relationship with money can teach

663
00:32:32,800 --> 00:32:35,400
Speaker 5: you how to manage fear and how to not let

664
00:32:35,400 --> 00:32:36,120
Speaker 5: it run the show.

665
00:32:36,360 --> 00:32:38,000
Speaker 4: Absolutely, absolutely, I agree.

666
00:32:38,120 --> 00:32:39,920
Speaker 3: And it goes back to what you were saying is

667
00:32:39,920 --> 00:32:42,440
Speaker 3: you have to show them because sometimes we can have

668
00:32:42,480 --> 00:32:45,040
Speaker 3: conversations with those fourteen year olds and if we're talking

669
00:32:45,080 --> 00:32:47,640
Speaker 3: at them without having conversations with them to bring them

670
00:32:47,680 --> 00:32:52,280
Speaker 3: in and give them relevant examples. You can't see it,

671
00:32:53,440 --> 00:32:54,320
Speaker 3: you can't be it right.

672
00:32:54,360 --> 00:32:56,280
Speaker 5: That's right, blinding, Yeah, it's blinding, right.

673
00:32:56,280 --> 00:32:58,600
Speaker 3: And so we goes back to fundamental each one teach one.

674
00:32:58,600 --> 00:33:00,520
Speaker 3: If each one is going to teach one, let's make

675
00:33:00,520 --> 00:33:02,480
Speaker 3: sure we have that step by step process. And I'm

676
00:33:02,520 --> 00:33:05,040
Speaker 3: bringing you along the journey. I'm not trying to kick

677
00:33:05,080 --> 00:33:06,000
Speaker 3: you to the side at all.

678
00:33:06,080 --> 00:33:08,200
Speaker 5: And don't you love when they see And that's what

679
00:33:08,400 --> 00:33:10,360
Speaker 5: was so eye opening on Wall Street because it was

680
00:33:10,360 --> 00:33:14,160
Speaker 5: like Wall Street that I didn't meet a single rocket

681
00:33:14,200 --> 00:33:18,000
Speaker 5: scientist on Wall Street. Nor is money rocket science. This

682
00:33:18,080 --> 00:33:24,600
Speaker 5: is it's not hard. It's fears. Great about goal setter,

683
00:33:24,680 --> 00:33:27,480
Speaker 5: what Mastercard's doing. When they stuck, they're like, oh that's easy,

684
00:33:27,760 --> 00:33:29,440
Speaker 5: seventy two, all that stuff's easy.

685
00:33:29,240 --> 00:33:31,960
Speaker 4: Exactly, that's right. And then we need to show them

686
00:33:32,000 --> 00:33:34,400
Speaker 4: Angela Yee and her many businesses. So we're going to

687
00:33:34,480 --> 00:33:36,840
Speaker 4: reframe his fear. His fear is going to be like,

688
00:33:36,960 --> 00:33:40,440
Speaker 4: oh no, I might only have two houses as opposed

689
00:33:40,480 --> 00:33:44,960
Speaker 4: to three, and he can see what's start to set

690
00:33:45,000 --> 00:33:47,880
Speaker 4: up his goals, and he reframes what his goals are.

691
00:33:47,920 --> 00:33:50,520
Speaker 4: My goal is not to not be homeless. My goal

692
00:33:50,600 --> 00:33:53,480
Speaker 4: is to have three houses and two businesses and this

693
00:33:53,600 --> 00:33:53,920
Speaker 4: and that.

694
00:33:54,200 --> 00:33:56,520
Speaker 5: Right, how are you careful with the e effect? My

695
00:33:56,600 --> 00:34:00,080
Speaker 5: son has grown up around her and she's created a

696
00:34:00,120 --> 00:34:02,640
Speaker 5: financial nightmare. Why don't we have ten houses?

697
00:34:02,840 --> 00:34:02,920
Speaker 2: No.

698
00:34:03,400 --> 00:34:04,280
Speaker 1: One thing I did.

699
00:34:04,160 --> 00:34:05,960
Speaker 2: Show him, though, was I showed him like the first

700
00:34:06,040 --> 00:34:09,520
Speaker 2: brownstone that I ever bought, and I showed him what

701
00:34:09,600 --> 00:34:11,799
Speaker 2: I paid for it and what it's worth now, and

702
00:34:11,840 --> 00:34:13,840
Speaker 2: also that it was a two family so I was like,

703
00:34:13,920 --> 00:34:16,080
Speaker 2: this is what my mortgage was. And then I had

704
00:34:16,120 --> 00:34:18,880
Speaker 2: a tenant downstairs that was paying this much money, so really,

705
00:34:18,880 --> 00:34:21,040
Speaker 2: this is what I was paying every month, And so

706
00:34:21,120 --> 00:34:23,960
Speaker 2: I was showing I actually showed him that so he

707
00:34:23,960 --> 00:34:25,920
Speaker 2: could see what it is, and the brownstone that I

708
00:34:26,040 --> 00:34:29,160
Speaker 2: purchased recently. I was showing him, you know, all of that.

709
00:34:29,400 --> 00:34:33,319
Speaker 2: So he's like, now he wants to be an architect.

710
00:34:34,680 --> 00:34:41,960
Speaker 4: He probably wants to be your architect.

711
00:34:42,160 --> 00:34:44,840
Speaker 2: And listen, one of the things that people ask me

712
00:34:44,880 --> 00:34:46,360
Speaker 2: all the time, if I could go back to my

713
00:34:46,440 --> 00:34:49,200
Speaker 2: younger self and do things differently, what would it be?

714
00:34:49,760 --> 00:34:51,000
Speaker 1: And I always say, I wish.

715
00:34:50,800 --> 00:34:53,799
Speaker 2: I would have started investing earlier, you know, because I

716
00:34:53,840 --> 00:34:56,479
Speaker 2: think that when I first was, like I said, living

717
00:34:56,480 --> 00:34:58,200
Speaker 2: tech to Chech, I wasn't investing.

718
00:34:58,640 --> 00:35:01,560
Speaker 1: And it wasn't until I was like twenty nine years old.

719
00:35:01,360 --> 00:35:04,839
Speaker 2: That I started a roth Ira and I got a

720
00:35:04,840 --> 00:35:06,680
Speaker 2: lot more confident and it didn't have to be a

721
00:35:06,719 --> 00:35:08,560
Speaker 2: lot of money that I was putting in it every month,

722
00:35:08,960 --> 00:35:11,279
Speaker 2: you know. So that was just something that if I

723
00:35:11,280 --> 00:35:13,960
Speaker 2: could have seen exponentially how that could have grown, and

724
00:35:14,000 --> 00:35:16,160
Speaker 2: if I would have started at a way younger age

725
00:35:16,320 --> 00:35:18,239
Speaker 2: where I would be now, if I could go back

726
00:35:18,280 --> 00:35:20,160
Speaker 2: in time and do things differently, I would have.

727
00:35:20,360 --> 00:35:22,160
Speaker 5: I agreed you a good point you made. So many

728
00:35:22,160 --> 00:35:24,640
Speaker 5: people think, well, I don't have the money to start one.

729
00:35:24,800 --> 00:35:27,520
Speaker 2: You don't need that much, little fife.

730
00:35:28,719 --> 00:35:31,000
Speaker 5: I want something that we're talking about a lot lately,

731
00:35:31,160 --> 00:35:35,839
Speaker 5: is a lot of this is systemic. Like what we

732
00:35:35,840 --> 00:35:39,080
Speaker 5: were talking about, people not understanding like their work benefits

733
00:35:39,080 --> 00:35:44,239
Speaker 5: and things like that. Companies aren't educating people. Companies have

734
00:35:44,320 --> 00:35:47,160
Speaker 5: the power to offer all sorts of benefits. I'm so

735
00:35:47,239 --> 00:35:50,920
Speaker 5: glad so many are now focused on financial wellness. Systemic

736
00:35:51,480 --> 00:35:55,560
Speaker 5: discrimination put us in this place. It's going to take

737
00:35:55,640 --> 00:35:59,040
Speaker 5: systemic solutions to pull us out of this. You know,

738
00:35:59,160 --> 00:36:00,600
Speaker 5: really help from company, so.

739
00:36:02,160 --> 00:36:05,960
Speaker 3: Walking Wave and that's what I love about the work

740
00:36:05,960 --> 00:36:09,360
Speaker 3: that we do holistically to enhance, rite and educate the

741
00:36:09,400 --> 00:36:13,359
Speaker 3: communities across the board, to give access to everyone. There's nothing.

742
00:36:13,960 --> 00:36:16,759
Speaker 2: Yeah, and some of that is on us too, write

743
00:36:16,800 --> 00:36:19,880
Speaker 2: to go out and seek this information and this knowledge

744
00:36:19,920 --> 00:36:23,200
Speaker 2: because you know there are that like you said, massacred,

745
00:36:23,280 --> 00:36:26,360
Speaker 2: you have these programs that are available. And I do

746
00:36:26,480 --> 00:36:29,040
Speaker 2: want to ask you, Tanya, how did you end up

747
00:36:29,080 --> 00:36:31,000
Speaker 2: even approaching or did they approach you?

748
00:36:33,600 --> 00:36:40,040
Speaker 4: Yeah, so I applied to the start Path program.

749
00:36:36,960 --> 00:36:40,680
Speaker 1: And I want to hear this. I want people to

750
00:36:40,719 --> 00:36:43,239
Speaker 1: see how it can happen. It was like you had

751
00:36:43,239 --> 00:36:45,400
Speaker 1: it in. I knew this person. It was a hookup.

752
00:36:45,640 --> 00:36:47,960
Speaker 3: We were at a conference one time and I remember

753
00:36:48,680 --> 00:36:50,920
Speaker 3: her walking up to me was like, oh you work

754
00:36:50,960 --> 00:36:53,440
Speaker 3: in MasterCard. Well, this is my business and this is

755
00:36:53,440 --> 00:36:55,680
Speaker 3: what it is that I do. I'm going to partner

756
00:36:55,719 --> 00:36:58,239
Speaker 3: and work with you. I want to have give me

757
00:36:58,280 --> 00:36:58,760
Speaker 3: some names.

758
00:36:58,840 --> 00:36:59,000
Speaker 4: Right.

759
00:36:59,239 --> 00:37:01,440
Speaker 3: So, the way that she is now, this is a

760
00:37:01,480 --> 00:37:03,319
Speaker 3: long time ago. The way that she is now, she's

761
00:37:03,360 --> 00:37:06,279
Speaker 3: the same. Meaning I'm driven, I'm focused, I believe in

762
00:37:06,320 --> 00:37:10,120
Speaker 3: myself right right, yes, And I believe in my product yes,

763
00:37:10,560 --> 00:37:12,440
Speaker 3: and guess what happened and now we're partner.

764
00:37:13,040 --> 00:37:21,759
Speaker 2: Look at that, Wow, and that the same story.

765
00:37:19,360 --> 00:37:21,520
Speaker 4: And it is true. I mean, but what I have

766
00:37:21,680 --> 00:37:25,359
Speaker 4: found is God doesn't put you in any place where

767
00:37:25,360 --> 00:37:27,600
Speaker 4: you're not supposed to be, But it is up to

768
00:37:27,880 --> 00:37:30,440
Speaker 4: us to take advantage of every one of those offices.

769
00:37:30,600 --> 00:37:32,280
Speaker 1: You will that networking.

770
00:37:32,960 --> 00:37:35,960
Speaker 4: Networking is so important, and there are times, you know,

771
00:37:36,040 --> 00:37:38,840
Speaker 4: I actually nobody will believe this. I sit on the

772
00:37:38,840 --> 00:37:41,400
Speaker 4: line between being an introvert and an extrovert. So there

773
00:37:41,400 --> 00:37:43,040
Speaker 4: are some days where I walk into a room of

774
00:37:43,080 --> 00:37:46,400
Speaker 4: a thousand people and my introvert side is screaming out like,

775
00:37:46,680 --> 00:37:47,640
Speaker 4: oh Lord.

776
00:37:47,400 --> 00:37:49,120
Speaker 5: I just want to be at home. I just want

777
00:37:49,120 --> 00:37:49,319
Speaker 5: to go.

778
00:37:49,440 --> 00:37:49,960
Speaker 1: Home, right.

779
00:37:50,280 --> 00:37:52,799
Speaker 4: But in those moments, I say to myself, I am

780
00:37:52,840 --> 00:37:54,920
Speaker 4: not leaving here until I have talked to five people

781
00:37:55,560 --> 00:37:58,440
Speaker 4: who can move this business forward. And the reason is

782
00:37:58,480 --> 00:38:01,840
Speaker 4: because I am so committed to transforming our community. And

783
00:38:01,920 --> 00:38:04,399
Speaker 4: I know, you know, we've raised thirty million dollars. We've

784
00:38:04,440 --> 00:38:07,520
Speaker 4: raised money from MasterCard, but also from Robert F. Smith,

785
00:38:07,960 --> 00:38:11,719
Speaker 4: the chairman and philanthropists of Vista Equity, from Kevin Durant,

786
00:38:11,840 --> 00:38:15,759
Speaker 4: from Chris Paul, from Carmelo Anthony. We have extraordinary investors

787
00:38:15,960 --> 00:38:18,479
Speaker 4: who believe in goal Setter, but they believe in goal

788
00:38:18,520 --> 00:38:22,719
Speaker 4: Setter's power to transform the next generation of kids in

789
00:38:22,800 --> 00:38:26,640
Speaker 4: our community. And so it is my responsibility every day

790
00:38:26,640 --> 00:38:29,160
Speaker 4: when I took one of those investment dollars, it's my

791
00:38:29,200 --> 00:38:31,839
Speaker 4: responsibility to go up to folks like Nicole and make

792
00:38:31,920 --> 00:38:35,839
Speaker 4: sure that I am getting the kinds of partnerships that

793
00:38:35,880 --> 00:38:37,799
Speaker 4: can help goal Setter to get in the hands of

794
00:38:37,880 --> 00:38:40,920
Speaker 4: more kids across America. So, yes, I may have been

795
00:38:40,960 --> 00:38:42,279
Speaker 4: a little aggressive.

796
00:38:44,760 --> 00:38:47,239
Speaker 1: Because that excitement can translate.

797
00:38:47,480 --> 00:38:49,239
Speaker 2: And let me ask you this, the goal Setter start

798
00:38:49,239 --> 00:38:52,400
Speaker 2: off when you first launched it, right, I want to

799
00:38:52,440 --> 00:38:55,440
Speaker 2: know also about how it morphed because a lot of

800
00:38:55,440 --> 00:38:58,200
Speaker 2: times you have an idea, you start something, but then

801
00:38:58,280 --> 00:39:00,480
Speaker 2: you end up kind of having to adapt to what

802
00:39:00,560 --> 00:39:03,959
Speaker 2: you see is necessary, is needed absolutely.

803
00:39:04,080 --> 00:39:06,560
Speaker 4: So one of the things that we realized is that

804
00:39:06,960 --> 00:39:11,319
Speaker 4: not only did families and kids need our product, but

805
00:39:11,480 --> 00:39:15,120
Speaker 4: banks and financial institutions need our product. And so goal

806
00:39:15,200 --> 00:39:19,080
Speaker 4: Setter is now white labeling our platform for banks and

807
00:39:19,120 --> 00:39:21,960
Speaker 4: credit unions across the country so that they can give

808
00:39:22,000 --> 00:39:24,600
Speaker 4: our platform to all of the families that they serve.

809
00:39:24,680 --> 00:39:27,000
Speaker 4: So that's been a huge part of our pivot. The

810
00:39:27,040 --> 00:39:30,359
Speaker 4: second thing has been that we're actually serving school systems now.

811
00:39:30,480 --> 00:39:33,720
Speaker 4: So we have goal se Goal Setter both the APP

812
00:39:33,840 --> 00:39:39,280
Speaker 4: and financial education curriculum in ten states across the country

813
00:39:39,360 --> 00:39:42,520
Speaker 4: in twenty five school systems throughout the country. We partnered

814
00:39:42,560 --> 00:39:47,520
Speaker 4: with Nike and UBS and other financial institutions to help

815
00:39:47,560 --> 00:39:50,719
Speaker 4: bring this content in this curriculum into school systems that

816
00:39:50,760 --> 00:39:52,440
Speaker 4: need it most. So those are the two of the

817
00:39:52,480 --> 00:39:54,600
Speaker 4: things that we have done to make sure that we

818
00:39:54,640 --> 00:39:57,120
Speaker 4: are getting out there and really meeting the need.

819
00:39:58,520 --> 00:40:00,359
Speaker 2: And Nicole has to feel great for you to be

820
00:40:00,400 --> 00:40:05,319
Speaker 2: doing this work that obviously it's right, Yeah, top talk,

821
00:40:05,400 --> 00:40:08,200
Speaker 2: that's it is.

822
00:40:08,320 --> 00:40:11,200
Speaker 3: I mean, when you realize that you work for a

823
00:40:11,280 --> 00:40:13,799
Speaker 3: work at MasterCard, I understand that the work that we

824
00:40:13,880 --> 00:40:16,200
Speaker 3: do and I'm touching the communities and I can see

825
00:40:16,200 --> 00:40:20,880
Speaker 3: that tri factor of education, financial literacy, the community involvement,

826
00:40:20,880 --> 00:40:24,120
Speaker 3: community development. When you witness that, and then you also

827
00:40:24,160 --> 00:40:25,880
Speaker 3: turn it into what are some of the products that

828
00:40:25,880 --> 00:40:29,960
Speaker 3: we're doing and we're touching generations, we're touching communities. For me,

829
00:40:30,120 --> 00:40:33,240
Speaker 3: it's something that I will continue to being with pride

830
00:40:33,480 --> 00:40:36,560
Speaker 3: and what it is that we what we do in

831
00:40:36,640 --> 00:40:39,640
Speaker 3: working with our community partners with our FinTechs with our

832
00:40:39,680 --> 00:40:41,359
Speaker 3: startups is key.

833
00:40:41,840 --> 00:40:44,520
Speaker 2: Yeah, all right, well Stacy, you know, Stacy's with me

834
00:40:44,560 --> 00:40:47,480
Speaker 2: every single week on Wealth Wednesdays. But honestly, when I

835
00:40:47,520 --> 00:40:49,879
Speaker 2: go out and about, people always approach me and talk

836
00:40:49,920 --> 00:40:53,640
Speaker 2: about how helpful our platform has been with Wealth Wednesdays.

837
00:40:53,680 --> 00:40:55,400
Speaker 2: And then now they're coming up to me and talking

838
00:40:55,440 --> 00:40:59,640
Speaker 2: about these priceless conversations with MasterCard also, and so that

839
00:40:59,760 --> 00:41:01,319
Speaker 2: means a lot to me just for me to have

840
00:41:01,360 --> 00:41:04,280
Speaker 2: this platform, to be able to give people this valuable information,

841
00:41:04,680 --> 00:41:07,000
Speaker 2: give people a place that they can go to get

842
00:41:07,040 --> 00:41:09,160
Speaker 2: the assistance that they need when they're at that point

843
00:41:09,200 --> 00:41:11,200
Speaker 2: that they're like, Okay, I'm ready to bring my business

844
00:41:11,200 --> 00:41:14,520
Speaker 2: to the next level. Or I can speak confidently on

845
00:41:14,560 --> 00:41:16,279
Speaker 2: what it is that I have going on, or maybe

846
00:41:16,320 --> 00:41:19,160
Speaker 2: I need to learn how to speak confidently, because that's

847
00:41:19,200 --> 00:41:22,440
Speaker 2: not always something that's a given, either being able to pitch,

848
00:41:22,920 --> 00:41:23,680
Speaker 2: being able to.

849
00:41:25,160 --> 00:41:28,960
Speaker 5: To hear you talk about that was a little entrepreneurship

850
00:41:28,960 --> 00:41:30,560
Speaker 5: one on one and I hear the you know, the

851
00:41:30,560 --> 00:41:33,600
Speaker 5: partnerships and the investors and things that you made. How

852
00:41:33,600 --> 00:41:38,360
Speaker 5: did you do that? Wow?

853
00:41:40,600 --> 00:41:42,040
Speaker 1: I'm like, oh, it.

854
00:41:41,960 --> 00:41:45,760
Speaker 4: Was a long journey and truly, how I did It

855
00:41:45,800 --> 00:41:50,839
Speaker 4: is meeting good people, telling them what we're doing and

856
00:41:51,120 --> 00:41:54,720
Speaker 4: why we're doing it. Right, It is often the why

857
00:41:54,760 --> 00:41:58,280
Speaker 4: behind your product, not just the product that you're offering,

858
00:41:58,719 --> 00:42:01,920
Speaker 4: that gets people engaged and wants them and makes them

859
00:42:01,960 --> 00:42:05,520
Speaker 4: want to help you. So getting good people into our ecosystem,

860
00:42:05,840 --> 00:42:08,400
Speaker 4: and truly, I'm not even kidding you asking each person,

861
00:42:08,680 --> 00:42:11,399
Speaker 4: can you just introduce me to one person? And then

862
00:42:11,560 --> 00:42:14,760
Speaker 4: that next person, can you just introduce me to one person?

863
00:42:15,160 --> 00:42:17,799
Speaker 4: I mean, that is what networking is. You don't go

864
00:42:17,880 --> 00:42:20,680
Speaker 4: to someone and say, Angela, can you introduce me to

865
00:42:20,760 --> 00:42:22,759
Speaker 4: all five of the people who were on your show

866
00:42:22,840 --> 00:42:23,359
Speaker 4: last week?

867
00:42:23,719 --> 00:42:25,520
Speaker 5: Right, be like, no, I.

868
00:42:25,480 --> 00:42:26,200
Speaker 1: Have other things.

869
00:42:27,880 --> 00:42:32,200
Speaker 5: Take exactly literally.

870
00:42:36,200 --> 00:42:38,840
Speaker 4: But you know, when you are doing the work, and

871
00:42:38,880 --> 00:42:40,799
Speaker 4: you're doing the work for the right reasons, and then

872
00:42:40,880 --> 00:42:43,600
Speaker 4: you get people engaged in that work, they do want

873
00:42:43,640 --> 00:42:45,239
Speaker 4: to help you and they are willing to help you.

874
00:42:45,320 --> 00:42:47,440
Speaker 4: And so that's how we were able to get it done,

875
00:42:47,640 --> 00:42:50,239
Speaker 4: just one by one by one. But that's why it's

876
00:42:50,320 --> 00:42:52,480
Speaker 4: been You know this, this work is not for the

877
00:42:52,480 --> 00:42:54,799
Speaker 4: faint of heart being an entrepreneur. It is not for.

878
00:42:54,760 --> 00:42:57,520
Speaker 1: The before you get to yes.

879
00:42:57,520 --> 00:42:59,879
Speaker 4: A whole lot of nose, before you get to a yes.

880
00:43:00,080 --> 00:43:01,560
Speaker 4: And the funny thing about me is I didn't come

881
00:43:01,560 --> 00:43:04,280
Speaker 4: from the fintech space. I didn't come from the finance space.

882
00:43:04,640 --> 00:43:07,279
Speaker 4: I actually was a Nickelodeon. I ran nick Junior dot

883
00:43:07,280 --> 00:43:10,400
Speaker 4: com and nogging dot com before I came over into

884
00:43:10,440 --> 00:43:13,080
Speaker 4: this space. But I knew that if I could bring

885
00:43:13,160 --> 00:43:17,839
Speaker 4: all my skills of making content and making fintech products

886
00:43:18,000 --> 00:43:21,080
Speaker 4: fun and engaging, then I could bring that into the

887
00:43:21,120 --> 00:43:23,719
Speaker 4: financial services space and transform the space in a way

888
00:43:23,760 --> 00:43:25,880
Speaker 4: that no one else had done. And when Angela was

889
00:43:25,920 --> 00:43:28,400
Speaker 4: talking about, you know she had a two family brownstone,

890
00:43:28,400 --> 00:43:31,000
Speaker 4: I thought about one of our videos. It's called get

891
00:43:31,000 --> 00:43:36,000
Speaker 4: a Renter to pay your Mortgage. So those kinds of videos,

892
00:43:36,000 --> 00:43:38,880
Speaker 4: they're fun, they're engaging. We have one that's called life Insurance.

893
00:43:38,960 --> 00:43:40,240
Speaker 4: Isn't just for dead people?

894
00:43:42,400 --> 00:43:43,479
Speaker 1: Right to the point true.

895
00:43:45,200 --> 00:43:48,360
Speaker 4: So we have all these this great content because I

896
00:43:48,440 --> 00:43:51,439
Speaker 4: came from the content space absolutely and brought that over

897
00:43:51,600 --> 00:43:53,960
Speaker 4: into the financial services space. Which is why goal Setter

898
00:43:54,080 --> 00:43:56,840
Speaker 4: can bring this content to people in a way that

899
00:43:56,880 --> 00:43:58,839
Speaker 4: makes y'all have and it's fun and engaging, but it's

900
00:43:58,840 --> 00:43:59,600
Speaker 4: still informative.

901
00:44:00,160 --> 00:44:01,160
Speaker 1: About creating a trust.

902
00:44:02,000 --> 00:44:06,719
Speaker 3: Yes, we do have one trust will trust that you

903
00:44:06,800 --> 00:44:08,640
Speaker 3: need trust in case you have kids that you need,

904
00:44:08,760 --> 00:44:12,080
Speaker 3: that's important as well. First, I want to say just

905
00:44:12,120 --> 00:44:14,759
Speaker 3: thank you for the opportunity for MasterCard, for even having

906
00:44:14,800 --> 00:44:17,200
Speaker 3: us to have the opportunity to amplify our message and

907
00:44:17,280 --> 00:44:20,640
Speaker 3: the work that we do in this space. I think

908
00:44:21,040 --> 00:44:23,800
Speaker 3: you heard from some of our partners that join you previously,

909
00:44:23,840 --> 00:44:25,640
Speaker 3: you had Troy Dennis, you has a lot of guss

910
00:44:26,400 --> 00:44:28,880
Speaker 3: and and definitely for the work that they do holistically,

911
00:44:28,920 --> 00:44:30,399
Speaker 3: So I just want to give them a shout out.

912
00:44:30,840 --> 00:44:33,319
Speaker 3: But thank you. I think that when you have the

913
00:44:33,360 --> 00:44:36,719
Speaker 3: masses that can hear the wealth content what it is

914
00:44:36,760 --> 00:44:38,880
Speaker 3: that we can do holistically and with some of the

915
00:44:38,920 --> 00:44:42,880
Speaker 3: tools and resources that you can educate right and learn from,

916
00:44:43,120 --> 00:44:45,560
Speaker 3: I just think that this is a fantastic platform for

917
00:44:45,640 --> 00:44:47,440
Speaker 3: us just to share and amplify a message.

918
00:44:47,440 --> 00:44:48,600
Speaker 1: So thank you, well, thank you.

919
00:44:48,640 --> 00:44:50,880
Speaker 2: This means a lot to me. So I appreciate you

920
00:44:50,960 --> 00:44:53,560
Speaker 2: all for being here with us today. I know our

921
00:44:53,600 --> 00:44:56,520
Speaker 2: audience on way up appreciates this too. We're gonna get

922
00:44:56,520 --> 00:45:02,280
Speaker 2: our investments way up. Yes, yes, and again this is priceless,

923
00:45:02,320 --> 00:45:04,600
Speaker 2: this information. So now what are you going to do?

924
00:45:04,680 --> 00:45:07,520
Speaker 2: That's the question, you know for everybody listening, what are

925
00:45:07,560 --> 00:45:09,240
Speaker 2: you going to do. It's time to take some action.

926
00:45:09,719 --> 00:45:11,600
Speaker 2: But thank you so much for joining us. And I

927
00:45:11,680 --> 00:45:13,840
Speaker 2: know this is going to be amazing and I cannot

928
00:45:13,840 --> 00:45:16,040
Speaker 2: wait to hear some of the success stories and people

929
00:45:16,040 --> 00:45:18,719
Speaker 2: who are just listening and are inspired. So thank you

930
00:45:18,760 --> 00:45:19,160
Speaker 2: so much.

931
00:45:19,280 --> 00:45:19,640
Speaker 1: Thank you.

932
00:45:19,719 --> 00:45:22,680
Speaker 2: I'm inspired because you know, I'm already like, okay, in solidarity.

933
00:45:22,719 --> 00:45:23,319
Speaker 1: What am I doing?

934
00:45:24,800 --> 00:45:25,399
Speaker 3: Stop path?

935
00:45:26,080 --> 00:45:34,000
Speaker 5: That's right, you car This building did great.

936
00:45:34,120 --> 00:45:37,839
Speaker 4: Thank you.