Speaker 1: All right, his way up with Angela. Yee. I'm so excited.
Speaker 2: You know, this is part of our insolidarity initiative, and
Speaker 2: Massacard has been partnering with iHeart to produce these priceless
Speaker 2: conversations with me and we're bringing together thought leaders, financial experts,
Speaker 2: and business owners to sit down and kind of share
Speaker 2: your expertise and share your stories. And so we're talking
Speaker 2: today about the role that financial literacy plays in building
Speaker 2: and maintaining wealth and sustaining legacy in the black community.
Speaker 2: So today we have Nicole Turner, who is the Senior
Speaker 2: vice president of Technology Hubs at MasterCard.
Speaker 3: Welcome, Thank you, so excited to be here.
Speaker 1: I'm so happy to have you. And you know, just
Speaker 1: full disclosure.
Speaker 2: She's from Brooklyn, yes, and the house Tanya band Court,
Speaker 2: the founder and CEO of Goal Setter.
Speaker 4: Hey, thank you for having me, who.
Speaker 2: Travel from Brooklyn today straight from best And then you
Speaker 2: guys should all know Stacy Tisdale at this point. You
Speaker 2: know she's my co She is my co host for
Speaker 2: Wealth Wednesdays, but also the CEO of My Money Media.
Speaker 2: She's a financial expert, author and broadcast journalist. Hello, Stacy, Angela,
Speaker 2: how's everybody feeling today because we always got to start
Speaker 2: with that.
Speaker 3: I'm feeling excited, empowered, I'm ready to rock and roll.
Speaker 2: Yeah, I mean, the pre conversation was amazing, just talking
Speaker 2: about different goals, finances, being patient.
Speaker 1: But Nicole, let's start with you. As we're doing this conversation.
Speaker 2: Financial inclusion is one of the key pillars of Mastercard's
Speaker 2: social impact strategy and in solidarity efforts. Can you talk
Speaker 2: more about Mastercard's commitment to financial inclusion and also we
Speaker 2: always talk about the tangibles the programs that you have
Speaker 2: that supported sure.
Speaker 3: Of course, when I think about MasterCard and the commitment
Speaker 3: that we have to try to close the racial equity gap,
Speaker 3: tell me it's been something that's been important that we've
Speaker 3: been doing for a long time. I love the fact
Speaker 3: that not only do we talk it, but we walk it.
Speaker 3: We understand that in order for us to be successful
Speaker 3: in our business and what we do, closing that gap
Speaker 3: is equally important, especially when it comes to financial inclusion
Speaker 3: and financial literacy holistically. And so when we think about
Speaker 3: the programs that we have and some of the partners,
Speaker 3: and we'll talk later with my friend that's here from
Speaker 3: Goal Setter, we understand and by supporting and working with
Speaker 3: these partners, not only do they help us continue and
Speaker 3: improve the digital divide that we need to say how
Speaker 3: do we close it? But then also how do we
Speaker 3: make inclusive products in order for us to do this
Speaker 3: as well?
Speaker 2: And you know, I just want to put this out
Speaker 2: there first too, Nicole, just your background and how you
Speaker 2: got to Masteracre, because I love for people to know
Speaker 2: how everybody got to where they are today as well
Speaker 2: in this space.
Speaker 3: Yes, so before I join MasterCard, I used to open
Speaker 3: up healthcare facilities and long term care facilities in underrepresented
Speaker 3: communities in Bushwick, Brooklyn and in the Bronx. And it
Speaker 3: was important that the agency that I work with at
Speaker 3: the time said, you know what, we're looking to put
Speaker 3: three and four hundred jobs in the communities. We realize
Speaker 3: that there's a change that's happening. But in order to
Speaker 3: do that, use your HR background to hire people from
Speaker 3: the community and upskill them. In order when you upskill them,
Speaker 3: not only do you help the economic community, but you
Speaker 3: also help the real estate. And at that time, they
Speaker 3: were doing a lot of programs from a low income
Speaker 3: housing perspective. This company I was working with, so not
Speaker 3: only were we bringing jobs, we also was giving them
Speaker 3: mortgage grants as well.
Speaker 2: I think it's important to know all of those things
Speaker 2: because we do care about the people who are behind
Speaker 2: these programs. And so when we're talking about MasterCard, just
Speaker 2: to see how much you care about the community outside
Speaker 2: of this and what got you here today. So thank
Speaker 2: you for sharing that, Tanya.
Speaker 1: Let's move on to you. Let's talk about goal Setter.
Speaker 2: What goal Setter is the need that you saw specifically
Speaker 2: in the black community, and how goal Setter is helping
Speaker 2: to close the wealth gap as well.
Speaker 4: Absolutely so. Goal Setter is a family find nan and
Speaker 4: financial education platform. So for any of your listeners out
Speaker 4: there who may have a kid's debit card for their kid,
Speaker 4: goal Setter allows your kid to have a debit card,
Speaker 4: but to have that debit card with financial education. And
Speaker 4: I'll tell you why. My mother was an elementary school teacher.
Speaker 4: I did everything in my house that had everything to
Speaker 4: do with education, right. You know how it is when
Speaker 4: you live in the house with the teacher, right, everything
Speaker 4: you do is like accounted, like everything is. So because
Speaker 4: of her, I ended up going to Stanford. I got
Speaker 4: two degrees in engineering, so on a great track from
Speaker 4: an educational perspective. But I came out of Stanford and
Speaker 4: there's one thing I didn't know about. I didn't know
Speaker 4: about money because my mama didn't teach me about money
Speaker 4: because she didn't know about money. So I'm in my
Speaker 4: late twenties. I have a job in Silicon Valley. At
Speaker 4: that job, they give me a bunch of stock and
Speaker 4: stock options, and I don't know about diversification or asset allocation,
Speaker 4: so I just leave it there. I picked my head
Speaker 4: up one day that stock is worth a million dollars.
Speaker 4: That was at the beginning of the day. Because by
Speaker 4: the end of the day, the big tech bubble had
Speaker 4: burst and my million dollars went down to twenty thousand
Speaker 4: dollars in one day.
Speaker 5: That's what I said to my million, to.
Speaker 4: See, I.
Speaker 5: Understand stuff.
Speaker 4: You don't understand options, you don't understand vesting, and that
Speaker 4: you could sell them, and that you could diversify. So
Speaker 4: in that moment, I thought, Okay, this was stupid, but
Speaker 4: I can't turn back the hands of time. All I
Speaker 4: can do is make sure this doesn't happen to my
Speaker 4: own children. Fast forward, when I actually had my daughter, Gabrielle,
Speaker 4: I taught her everything I had since learned about personal
Speaker 4: finance from the time she came out of my womb.
Speaker 4: And when she was eight, about to turn nine, she said, Mommy,
Speaker 4: for my ninth birthday, I really only want two things.
Speaker 4: I said, what's that? She said, enough money to say
Speaker 4: for an investment account? Wow, and a bike. Thought at
Speaker 4: that age, if I could get every child, you say that,
Speaker 4: I can change the world. And so that's what Goal
Speaker 4: Setter is. We provide, not us a debit card for
Speaker 4: your kids, because let's be honest, America teaches kids from
Speaker 4: the time that they are born how to send and
Speaker 4: spend money. We can go to kids now and say,
Speaker 4: how many of you have cashp how many of you
Speaker 4: have themo how many of you have sending and spending mechanisms?
Speaker 4: And they do and they do. Excuse me, how many
Speaker 4: of you know about investment accounts? How many of you
Speaker 4: know what a bond is? How many of you know
Speaker 4: what a stock is? And they don't. And so that's
Speaker 4: what we do at Goal Setter. Our debit card actually
Speaker 4: comes with a rule called learn before you burn, so
Speaker 4: your kids debit card will automatically freeze on Sunday morning
Speaker 4: if they haven't taken their financial literacy queens for the weekend.
Speaker 1: Oh I like that for me.
Speaker 2: And while you were talking about all of those things,
Speaker 2: I was thinking about, like me not having financial literacy
Speaker 2: when I was younger, and when I got my first
Speaker 2: bank account. And before we get to you, Stacey, do
Speaker 2: you guys all remember when you got your first ever
Speaker 2: bank account?
Speaker 4: Absolutely?
Speaker 3: I do. I remember it was I was so proud
Speaker 3: at the time. There was a program. I was going
Speaker 3: to school in East New York, but my mother had
Speaker 3: busted me to a school in Meal Base Shoes PS.
Speaker 3: Two thirty six, and what they did was they had
Speaker 3: given us they set up bank accounts for us. At
Speaker 3: that time, I felt so proud just to have a
Speaker 3: couple of five dollars or something that was in it.
Speaker 3: It gave me a sense of pride to open up
Speaker 3: my first bank account. I remember those days.
Speaker 4: Absolutely, and I remember getting my first bank account because
Speaker 4: then I was like, oh, now I can get a job,
Speaker 4: so I can put some money in that bank account.
Speaker 5: Right.
Speaker 4: You associate a bank account with wealth and money, and
Speaker 4: that gives you the motivation. But you know, a bank
Speaker 4: account and investing are two different things, and that is
Speaker 4: what our community is lacking right now understanding of how
Speaker 4: to build wealth, not just how to make money exactly.
Speaker 1: Well, now, Stacey, let's get to you.
Speaker 2: And you remember your first time opening because that was
Speaker 2: my first foray into anything financial, like having a bank account,
Speaker 2: and it wasn't until I was in high school. And
Speaker 2: so that's why I remember it so well. I think
Speaker 2: I was like a junior in high school and I
Speaker 2: didn't have much in there. But imagine not even having
Speaker 2: that then, how was I going to be able to
Speaker 2: invest anything or learn about it? And so that was
Speaker 2: quite a journey for me. Yeah, and so Stacy, now
Speaker 2: let's get.
Speaker 1: Over here to you.
Speaker 2: You know, this is my girl, Stacy, so I can't
Speaker 2: assume that everybody knows everything about her. But in your
Speaker 2: work you've talked about financial behaviors developing at an early age,
Speaker 2: how messages from society impact our financial choices. Can you
Speaker 2: share some more insight about this and also some of
Speaker 2: the barriers that exist, particularly in the black community, and
Speaker 2: also because we like to be you know, just always
Speaker 2: think about solution tips on how to overcome them.
Speaker 5: Absolutely, and I think all of the questions you just
Speaker 5: answered are in my story. So I'll share my story
Speaker 5: just as you ladies have a big AHA moment for
Speaker 5: me when it came to money was when I was
Speaker 5: in college and a friend of mine's father worked for
Speaker 5: a brokerage company called pain Weber. That will really date me,
Speaker 5: and we walked into he was going to take us
Speaker 5: out to lunch one day, and I'd never been around
Speaker 5: Wall Street or anything like that, and we walked into
Speaker 5: his office and I saw my first trading floor and
Speaker 5: I was like, I have never seen anything like this before,
Speaker 5: and it was an incredible experience. I went back. I
Speaker 5: changed my major to business right away intern there. Got
Speaker 5: a job right out of college at a commodities firm,
Speaker 5: and I was a cash manager and invested in the
Speaker 5: treasury markets, so I really learned how the economy worked
Speaker 5: and how the markets work within economy. Didn't want to
Speaker 5: stay on Wall Street. Came out of the womb loving writing,
Speaker 5: and I called the Wall Street Journal and I said,
Speaker 5: I know finance, I love writing, and they actually bought
Speaker 5: that story and they hired me and I started at
Speaker 5: their newswire service. Eventually moved to their television department and
Speaker 5: I was there for seven years, and it was just
Speaker 5: wonderful to see now I've seen the corporate side of money.
Speaker 5: So CBS was starting a business news division called market Watch,
Speaker 5: and I got hired to be their first on air reporter,
Speaker 5: and that was a journalist's dream because I had to
Speaker 5: do every single CBS show, from morning news to evening news,
Speaker 5: everything in between radio and that really brought me to
Speaker 5: Main Street. I was at CBS for many years, and
Speaker 5: then I went to CNN Global and I was really
Speaker 5: starting to have a lot of conflict about being a
Speaker 5: financial journalist, about doing this the information we were putting out,
Speaker 5: and from working on Wall Street, because I could see
Speaker 5: that knowledge does not translate into behavior, and especially all
Speaker 5: the big financial gurus at the time, I'm not going
Speaker 5: to name any names, but really kind of making us
Speaker 5: feel bad. You're supposed to put this amount into retirement,
Speaker 5: You're supposed to do this, and I could see people
Speaker 5: can't do that, they don't do that, So why aren't
Speaker 5: we doing that? And I thought it was kind of
Speaker 5: a failure by the financial services industry and the financial
Speaker 5: media the way they were giving financial advice journalists, and
Speaker 5: we had to know why why do we do what
Speaker 5: we do when it comes with money? And I went
Speaker 5: on what I had no idea was going to be
Speaker 5: a six year research project into what drives financial behavior.
Speaker 5: Because of my career, I had access to the greatest
Speaker 5: minds in the world. Psychologists don't remember Clinton Gore's addiction specialists,
Speaker 5: because that's financial behavior. Everything for my research problem became
Speaker 5: very clear. When we have trouble with money, we go
Speaker 5: straight to the numbers. I got to earn more, save more,
Speaker 5: invest more. The real causes of our financial behavior have
Speaker 5: got absolutely nothing to do with numbers. We make our
Speaker 5: choices based on our beliefs, and our beliefs are the
Speaker 5: result of things that have nothing to do with money.
Speaker 5: How we saw it handled growing up, social messages to
Speaker 5: live a certain lifestyle, have certain things, or you're not whatever, gender, culture, race,
Speaker 5: all of these former beliefs about ourselves, and that's drives
Speaker 5: our financial choices. So the dance becomes teaching people how
Speaker 5: to manage those choices, to become aware of what's really
Speaker 5: pushing their buttons, so that at that moment they can say, oh,
Speaker 5: I can make a different choice. So I wrote a
Speaker 5: book about that, and it came out in two thousand
Speaker 5: and eight, and I hate to say it was good timing.
Speaker 5: But it was a huge recession and a very emotional recession.
Speaker 5: And I started my book tour on the Today Show,
Speaker 5: and really, I think it just really resonated for people
Speaker 5: to hear about money spoken in that way. So that
Speaker 5: appearance turned into a three year gig. A lot of
Speaker 5: people watch that show. So the White House contacted me
Speaker 5: and asked me to create a behavior based financial education
Speaker 5: system based on this holistic approach to money. Did that
Speaker 5: and then went on to create my own financial education program.
Speaker 5: My journalism career continued PBS Black and Enterprise, and one
Speaker 5: of my jobs right when I left Black Enterprises start
Speaker 5: my own company, a show called The Breakfast Club asked
Speaker 5: me to come on and talk about blacks and investing
Speaker 5: and what I had seen. And I'll just never forget
Speaker 5: this from the first time President Obama ran when it
Speaker 5: became clear he was going to win. In the weeks
Speaker 5: before his presidency, the number of Blacks going to sign
Speaker 5: up for financial literacy courses, going to sign up for
Speaker 5: entrepreneurship courses, going to sign up for advice ten thousand tupled.
Speaker 5: So I love his saying the audacity of hope. So
Speaker 5: the X factor was actually the hope and I remember
Speaker 5: my first segment I did with Angela, and I was
Speaker 5: talking about the mentality and the Black community that you
Speaker 5: need to be rich to invest. Totally understand where that
Speaker 5: comes from, and totally understand why we don't trust the
Speaker 5: financial markets. Though our story is told wrong and we
Speaker 5: are an incredible story of resilience. But now technology fintech
Speaker 5: is providing solutions that the government failed to and it
Speaker 5: guess what, it takes out that discrimination piece and now
Speaker 5: it's micro investing was created and now it's investing is
Speaker 5: accessible to everyone. I mentioned one company's name in that interview,
Speaker 5: and I'm not saying that company now, but while I
Speaker 5: was in that interview, four million people signed up for
Speaker 5: that company's app amazing, and then we saw our community
Speaker 5: does have an appetite for this type of information and
Speaker 5: they're hungry for it. And talk we're always told as
Speaker 5: lax and at the bottom. Talk to us from our
Speaker 5: position of power, help us make empowered financial decisions. And
Speaker 5: that's that's where the work has to go. So a
Speaker 5: holistic approach, you know people talk about behavioral finance or
Speaker 5: holistic approach, is like there's something different. That's the only
Speaker 5: way to learn about money you have to work on
Speaker 5: mindset and help people remember how strong they really are.
Speaker 2: And go to trusted companies for companies. Yeah, and also
Speaker 2: because you know, it's there's so many people out there
Speaker 2: that call themselves gurus and listen, That's why it's so
Speaker 2: important to have these platforms here where Mastercard's been doing
Speaker 2: this work. And so we're going to get to that
Speaker 2: and thank you Stacy in a second. But Tanya, I
Speaker 2: want you to talk about your partnership with MasterCard over
Speaker 2: the years and more specifically the programming that you are
Speaker 2: doing and activating with HBCU students.
Speaker 4: Absolutely.
Speaker 5: Well.
Speaker 4: The thing I love about MasterCard is that MasterCard is
Speaker 4: really focused on you know, through their Center for Inclusive Growth,
Speaker 4: they are focused on inclusivity. How do you include more
Speaker 4: people in the conversation and include more people in wealth
Speaker 4: building in ways that meet them where they are. To
Speaker 4: the point that Stacy just made right, I know that
Speaker 4: that they're folks sitting in classrooms across America where some
Speaker 4: banker comes across the street and is teaching them about
Speaker 4: the stock market, but that banker is thirty years older
Speaker 4: than them, doesn't speak their language, doesn't come from their community,
Speaker 4: and all of those kids have their heads down on
Speaker 4: their desk and are falling asleep. It's not because they
Speaker 4: can't learn, it's because the teacher can't teach.
Speaker 1: And so, you know what they can relate.
Speaker 4: They can't relate absolutely, and sometimes they can't relate to
Speaker 4: the stories. They can't relate to the you know, to
Speaker 4: the examples of what investing means or what investing will
Speaker 4: bring you and your family and your community. So all
Speaker 4: of that relatability is really important. All of that is
Speaker 4: to say, with MasterCard, we have just recently launched a
Speaker 4: financial freedom project with the HBCUs in the Atlanta area
Speaker 4: and so Morehouse Spelman Clark Atlanta. We have brought to
Speaker 4: them this Financial Freedom boot Camp. So it's ten sessions
Speaker 4: where we are for twenty to thirty minutes in every
Speaker 4: single session talking about a different financial concept that is
Speaker 4: the core of wealth building and that people need to
Speaker 4: know in order to build wealth.
Speaker 1: Right.
Speaker 4: We just kicked off last week incredibly exciting, had all
Speaker 4: these amazing AUC students in the room, and we start
Speaker 4: with questions like who knows what the rule of seventy
Speaker 4: two is? Nobody's raising their hand and that's okay because
Speaker 4: we're now about to share it with you. The rule
Speaker 4: of seventy two teaches you how fast your money will
Speaker 4: double based on where you invest it. And so now
Speaker 4: after that twenty minute session, everyone says, wow, okay, So
Speaker 4: I just can't stick my money under a mattress or
Speaker 4: in a savings account that's going to yield me zero
Speaker 4: point one percent interest. I need to do something better,
Speaker 4: So click, I got that right. Then in the second
Speaker 4: session we talk about okay, great, now you know you
Speaker 4: need to do better. How do you do better? Where
Speaker 4: can you put your money where your money will have
Speaker 4: an opportunity to grow at seven percent per year for
Speaker 4: the next thirty years. Oh well, that's something called the
Speaker 4: stock market. But I don't have to be a stock picker.
Speaker 4: I can learn about ETFs and mutual funds and index funds.
Speaker 4: So then we introduce that language and we tell them
Speaker 4: about that language. The reason all of this is so
Speaker 4: important is because we all know if you don't know
Speaker 4: the language of money, then anybody can sell you anything
Speaker 4: because you feel ashamed about not understanding the concepts, and
Speaker 4: you just sit there and do what we all do. Right,
Speaker 4: You go into the mortgage loan place and you just nod.
Speaker 4: They may have a really bad interest rate on that
Speaker 4: piece of paper, but you don't know what good is.
Speaker 4: And so we're teaching them the language of money, and
Speaker 4: we're also giving them the goal setter app. MasterCard is
Speaker 4: putting one hundred dollars onto these students' accounts so that
Speaker 4: before they graduate they can be savers and investors. We
Speaker 4: are turning the next generation of AUC students from senders
Speaker 4: and spenders into savers and investors and giving them both
Speaker 4: the tools so that they can start investing and the
Speaker 4: knowledge to do so.
Speaker 5: Oh.
Speaker 2: I love that the confidence that comes with being able
Speaker 2: to know that you have that information too. I'm just
Speaker 2: now flashing back to the first time I had to
Speaker 2: do a mortgage and what that process was like for me. Absolutely,
Speaker 2: you're confident I did on but I did on my
Speaker 2: research ahead of time.
Speaker 3: So it's interesting and I'm glad you said that you
Speaker 3: did your research because I didn't. So when you said,
Speaker 3: you know, it wasn't until you got older that you realized, Okay,
Speaker 3: how do I understand about numbers and financing? We were
Speaker 3: talking before. I wish I had this goal than when
Speaker 3: I was younger, right, because growing up I wasn't taught that.
Speaker 3: That wasn't the behavior in my family for us to
Speaker 3: sit down at dinner to have those conversations and say,
Speaker 3: let's talk about savings, let's talk about investing.
Speaker 1: We didn't talk about money in my house, no, not
Speaker 1: at all.
Speaker 2: It was like, don't open those bills because we can't
Speaker 2: do it. It was my mom my dad being like,
Speaker 2: your mother spends all the money, and then my mom
Speaker 2: hiding packages so that he wouldn't see her going shopping
Speaker 2: and bringing them in the house.
Speaker 5: It was all that and then those early impressions that's
Speaker 5: I mean, that's what sets how you hand no money.
Speaker 5: I remember my mother hiding stuff in the trunk, so
Speaker 5: my father and so you.
Speaker 1: Grew up the house.
Speaker 5: And well was interesting for me. I grew up as
Speaker 5: a figure skater, I lived away from my parents and
Speaker 5: an athlete, and I always had that messaging you just
Speaker 5: worry about what you're doing. We'll worry about the money.
Speaker 5: You just worry about what you're doing. We'll worry about
Speaker 5: the money. And as I got into my work and
Speaker 5: I was like, oh, and I said, even in my
Speaker 5: adult behavior as far as worrying about the details and
Speaker 5: getting into the nitty gritty. It's not natural to me,
Speaker 5: but you have to know yourself well enough to know
Speaker 5: your tendencies. And that's also a big part of the
Speaker 5: about financial literacy, exactly what you're talking about.
Speaker 2: And you know, I'm so glad because we are going
Speaker 2: to get into this program more. But even just to
Speaker 2: piggyback off of what you said about a mortgage, you know,
Speaker 2: I actually got my real estate license, But part of
Speaker 2: the reason I did that was because I had been
Speaker 2: doing these deals for myself in real estate and I
Speaker 2: wanted to make sure I was as educated as possible
Speaker 2: on everything on every aspect, so that when I was
Speaker 2: going in and meeting with brokers and going to get
Speaker 2: my mortgage and mortgage and doing all of that, I
Speaker 2: understood it so well that nobody could really try to
Speaker 2: get over on me. And it's just so much better
Speaker 2: when you can walk in there with the confidence of
Speaker 2: knowing that you know, I educated myself. That's why I
Speaker 2: love goal Setter and the fact that you're saying, Okay,
Speaker 2: you want to access this, so you want to do
Speaker 2: this well, first you have to make sure you take
Speaker 2: this course and you know it's information I think that
Speaker 2: kids will hold on to.
Speaker 5: It's so cliche, but knowledge is power, and it really is.
Speaker 4: I have to tell you this is so funny because
Speaker 4: I have kids, right and I see the impact that
Speaker 4: it has on them. And my kids are from eight
Speaker 4: all the way to nineteen. So my fourteen year old
Speaker 4: I picked him up from basketball practice the other day
Speaker 4: and his friend got in the back seat with him
Speaker 4: and he said, Miss Tanya, did Hendrix tell you that
Speaker 4: when we are in the line at Chick fil A,
Speaker 4: he's always trying to hurry up and finish his quiz so.
Speaker 2: That I can access so levcard can get a lot
Speaker 2: of money.
Speaker 1: He gets to the front of the line.
Speaker 4: So that's on one side, and then on the other side.
Speaker 4: I have my nineteen year old daughter. When she turned eighteen,
Speaker 4: because she had been taking these quizzes for many years,
Speaker 4: she called me up and she said, Mommy, I'm eighteen.
Speaker 4: Now I think I need to pull my credit score.
Speaker 4: But I probably don't have a credit score yet because
Speaker 4: I don't have a credit card. So I'm gonna go
Speaker 4: get a credit card so I can build my credit.
Speaker 4: I need to go get a roth Ira, and I
Speaker 4: need to open up a high Field savings account. Anything
Speaker 4: else mommy, and it was because she'd been taking these
Speaker 4: weekly financial Yes, but that is the difference. And as
Speaker 4: we talk about creating products for our community, right, I'm
Speaker 4: one of the very few black women in America who
Speaker 4: owns a fintech company and an aed tech company, And
Speaker 4: so our company looks very different and acts very different
Speaker 4: than a standard debit card that you stick into kid's hands,
Speaker 4: because I know I'm not going to do that disservice
Speaker 4: to my children, nor to any of the other children
Speaker 4: in our community, of just teaching them how to spend
Speaker 4: money without the other side, which is learning about building
Speaker 4: your credit, learning about investing, learning about saving. So it's
Speaker 4: great that they learn how to be responsible spenders, but
Speaker 4: we all know that being a responsible.
Speaker 5: Spend is not that is definitely not.
Speaker 4: Check to checheck, right, you cannot do that. And so
Speaker 4: you know that having black people and black women who
Speaker 4: are bringing a different lens to how we create products
Speaker 4: for our community is essential. And that's the other thing
Speaker 4: that quite frankly, MasterCard has done by being an investor
Speaker 4: and goal setter, right, MasterCard has powered us to do
Speaker 4: this work in a way that other people, quite frankly
Speaker 4: can't do it because they come with a very different lens.
Speaker 2: Well, Nicle, have a question for you now, all right,
Speaker 2: we've talked about the MasterCard Start Path program and how
Speaker 2: it helps early stage underrepresented founders a bit on previous episodes.
Speaker 2: Why is it important to invest in underrepresented startups and
Speaker 2: how is this beneficial to Mastercard's overarching financial inclusion strategy.
Speaker 3: Of course, love that question, Angela, And first you so
Speaker 3: eloquently talked about the work that we do holistically as
Speaker 3: one of our start Path Right partners. When we think
Speaker 3: about start Path, when we think about connecting with some
Speaker 3: of those fintech startups, those education startups, it's helping us
Speaker 3: connect with the community and power with the community on
Speaker 3: a broader scale. And some of those digital products, although
Speaker 3: I call it inclusive products that we have, it's helping
Speaker 3: us say how do we touch everyone and have equal
Speaker 3: access to everyone? And so I just want to take
Speaker 3: us back for a little bit. In two thousand and six,
Speaker 3: Right MasterCard Foundation was founded. In twenty fifteen, we made
Speaker 3: a commitment to connect five hundred million people to the
Speaker 3: digital economy. Since then, we've exceeded that goal. And what
Speaker 3: we wanted to do is say, how do we have
Speaker 3: one billion people by twenty twenty five. How do we
Speaker 3: connect Well, we also said, let's push our goals a
Speaker 3: little bit further. We want to connect with fifty million
Speaker 3: small business owners, one billion underserved individuals, but also twenty
Speaker 3: five million women entrepreneurs. Now, think about this start Path
Speaker 3: program and what it can do when you connect these
Speaker 3: entrepreneurs and these FinTechs together to create these digital products
Speaker 3: that can help our communities. More broadly, we're in the
Speaker 3: digital age right now. So I mentioned earlier, how do
Speaker 3: we close that gap? And so some of the partners
Speaker 3: and the products that we have, we have goals. That is,
Speaker 3: we have Wealthy, we have SUMA. Right, there's different fintech
Speaker 3: organizations and products that we have that's out there that
Speaker 3: not only if you think about can I access it,
Speaker 3: but also can I see individuals who look like me
Speaker 3: who are teaching me and educating me on these products?
Speaker 5: Holistically, fintech is really the game changer. Yeah, yes, really,
Speaker 5: we've been we've been talking about been talking about fintech
Speaker 5: for a long time. And it was really wonderful to
Speaker 5: see post twenty twenty the black community when everybody was
Speaker 5: locked down and we saw how bad things really were
Speaker 5: really it was like there was a collective decision. The
Speaker 5: traditional economy was not made for us. It does not
Speaker 5: work for us, and we migrated to the digital economy
Speaker 5: and it was explosive. And then you saw for the
Speaker 5: last I think three years in a row, the first
Speaker 5: largest number of first time investors to the stock market
Speaker 5: are black. It's because of fintech. Yes, and we've been
Speaker 5: on Wealth Wednesdays. We've been just raising that tech, bringing
Speaker 5: that fintech bell for a year so that this MasterCard
Speaker 5: that really applaud you on what you've really been a
Speaker 5: pioneer and a leader in this.
Speaker 3: Yeah, we have to walk the talk, right, we can't,
Speaker 3: you know, in order for us to be effective in
Speaker 3: our business, it's the authenticity around it. But it's the
Speaker 3: commitment as well, and it's not for the short term.
Speaker 3: It's for the long term gain for us, for our communities.
Speaker 3: We were at as an organization where we put our
Speaker 3: money at our businesses or our locations, but it's also
Speaker 3: important to affect the communities is at large.
Speaker 2: Well, let's talk about some of those locations. Let's talk
Speaker 2: about MasterCards, tech hubs and all of those things. My
Speaker 2: main thing when we started these conversations was for people
Speaker 2: to have real tangibles and to see how can I
Speaker 2: access this for what I do and where do I
Speaker 2: need to be and how can this benefit me? What
Speaker 2: are the different programs based on where I'm at in
Speaker 2: my business? So can you just give us some insights
Speaker 2: into that.
Speaker 3: So when we think about mascoret global Technology hubs, so
Speaker 3: there represent almost forty percent of MasterCards employees in these
Speaker 3: locations around them. We believe in the locations where we're at.
Speaker 3: So we're in New York City Saint Louis and I'll
Speaker 3: just talk about those two locations for starters. And also
Speaker 3: we have work that we do in Atlanta as well.
Speaker 3: When we think about the locations of where our physical
Speaker 3: presence is, we also understand the commitment in partnering with
Speaker 3: not for profits government agencies on a community basis as well.
Speaker 3: So our tech cubs unite diverse talent from software engineers, FinTechs,
Speaker 3: you name it. In those tech cubs. All those creative
Speaker 3: and innovative products that we're creating or producing and developing,
Speaker 3: those inclusive products, they happen and they're develop at the
Speaker 3: tech cubs that I manage. And so looking at the
Speaker 3: people that we bring on board, but then also what
Speaker 3: are some of the programs that run out of these
Speaker 3: tech cubs. So we have master your Cards not only
Speaker 3: are to run at the tech cups, but they also
Speaker 3: in the community because we want to meet people where
Speaker 3: they're at. They could be online, they could be virtual.
Speaker 3: And we had an activation at clock Atlanta University and
Speaker 3: ensuring that how do we reach out only students as well,
Speaker 3: but how do we reach adults for them to understand
Speaker 3: the inclusivity around financial education and financial literacy and so
Speaker 3: the broadened aspect of where we're at and the continuation
Speaker 3: isn't yes, it's us. We're also global in nature.
Speaker 1: Man.
Speaker 2: I love that because I feel like nowadays kids are
Speaker 2: also teaching their parents.
Speaker 3: Yes, oh for sure, the big time.
Speaker 4: Okay, I just have to jump in and say to
Speaker 4: that point. MasterCard just recently did a research study about
Speaker 4: goal Setter users. Let me tell you what they found.
Speaker 4: Eighty five percent of parents said their kids are better
Speaker 4: savers because they use goal Setter. One out of two
Speaker 4: parents said their kids are better investors because they use
Speaker 4: goal Setter, but seventy five percent of parents said they
Speaker 4: are more financially healthy themselves because their kids use their
Speaker 4: goal setter, And thirty percent of parents said they are
Speaker 4: using a different financial instrument or investment vehicle that they
Speaker 4: learned about on goal Setter.
Speaker 1: Oh my gosh, see this is a generational like it.
Speaker 4: So when you said the kids are teaching the parents,
Speaker 4: we never got how many of you all got financial education?
Speaker 2: And in college all I did was sign up for
Speaker 2: things I shouldn't have.
Speaker 3: I want to say, is we're also doing something like
Speaker 3: for the stem right for girls for tech black girls
Speaker 3: who code, because again, how do you touch that demographic
Speaker 3: those students in that age, and it is diververse mentoring
Speaker 3: and educating, cating their parents. That's something that was never
Speaker 3: the case for us. Think about the impact that we're
Speaker 3: doing right now. So sometimes we say were worried about
Speaker 3: the future. I'm not.
Speaker 1: I was when I.
Speaker 5: Told you when I came on the show the first
Speaker 5: time and I mentioned that technology company for micro investing.
Speaker 5: Who told me about that company?
Speaker 1: He told me what I'm using.
Speaker 2: I want to ask you guys a something because the
Speaker 2: other day, my friend's son, he's fourteen years old, and
Speaker 2: you know, he wasn't there, and I was with his
Speaker 2: son and we were just having a conversation because he
Speaker 2: said he's interested in real estate.
Speaker 1: You know, he's in high school.
Speaker 2: And he says to me, my biggest fear is that
Speaker 2: one day I could be homeless. And I don't know
Speaker 2: why he said that because his family, you know, they're good.
Speaker 2: He lives in a house. It's not like there's ever
Speaker 2: been that. But I do feel like a lot of
Speaker 2: times people have this fear. I know I used to
Speaker 2: always have this fear, like what if something happens, What
Speaker 2: if I don't have a place to live, what if
Speaker 2: I'm not set up properly? And I really did used
Speaker 2: to think that when I was living check to check
Speaker 2: and not even check to check, you.
Speaker 1: Know, until I got myself in a better position.
Speaker 2: But let's say a fourteen year old came to you
Speaker 2: today and was like, look, this is my biggest fear
Speaker 2: that one day I'll be homeless.
Speaker 1: What would your answer be to that child.
Speaker 4: My answer to that child would be, you can eliminate
Speaker 4: that fear by managing your finances appropriately. And we're going
Speaker 4: to teach you how to Most of us, because we
Speaker 4: don't talk about money in our families. As we all
Speaker 4: just talked about, it's scary, and of course that could
Speaker 4: be your biggest fear because it's that money is a
Speaker 4: black box and it's an unknown. But if somebody sitys
Speaker 4: down with you and says, okay, the day you get
Speaker 4: your first paycheck, let me tell you what we're gonna do.
Speaker 4: We're gonna start putting away at least twenty percent out
Speaker 4: of every paycheck until you have an emergency fund. That
Speaker 4: emergency fund will be three to six months of your expenses.
Speaker 4: So if you get fired from your job, don't worry
Speaker 4: about it. You got three to six months that you
Speaker 4: can live on right there. And then after you're done
Speaker 4: with the emergency fund, the next dollar, we're going to
Speaker 4: start investing that. You aren't a stock picker. You don't
Speaker 4: need to be a stockpicker like Stacy over here, right.
Speaker 4: You want to be a stock for a black station.
Speaker 4: You can invest your money in a mutual fund or
Speaker 4: an ETF. And here's how you do it, and this
Speaker 4: is what it's done for the last thirty years. If
Speaker 4: you invest one hundred thousand dollars in thirty years, it'll
Speaker 4: be seven hundred and sixty one thousand dollars if you
Speaker 4: put it into the stock market. And the stock market
Speaker 4: returns what it always has. When they see a path,
Speaker 4: then it's like, you know, after I was pregnant, when
Speaker 4: my second child, and I was like, oh my goodness,
Speaker 4: I got on his weight on me that I need
Speaker 4: to get off. All I needed to do was go
Speaker 4: to a boot camp and somebody need to show me. Okay,
Speaker 4: you jump that rope one hundred times and then you
Speaker 4: run around. We have to give them a path so
Speaker 4: to get them away from that fear. And if we
Speaker 4: give them a path, then they can see what their
Speaker 4: lives can look and what's the.
Speaker 5: Gold gold, gold, and what you just said. Your relationship
Speaker 5: with money can teach you how to manage fear. Yes,
Speaker 5: and it's managed fear. It's not real, that's right. And
Speaker 5: we can show you how those fears aren't going to
Speaker 5: come true. And that's what's so powerful about all of
Speaker 5: it is really unpacking. Your relationship with money can teach
Speaker 5: you how to manage fear and how to not let
Speaker 5: it run the show.
Speaker 4: Absolutely, absolutely, I agree.
Speaker 3: And it goes back to what you were saying is
Speaker 3: you have to show them because sometimes we can have
Speaker 3: conversations with those fourteen year olds and if we're talking
Speaker 3: at them without having conversations with them to bring them
Speaker 3: in and give them relevant examples. You can't see it,
Speaker 3: you can't be it right.
Speaker 5: That's right, blinding, Yeah, it's blinding, right.
Speaker 3: And so we goes back to fundamental each one teach one.
Speaker 3: If each one is going to teach one, let's make
Speaker 3: sure we have that step by step process. And I'm
Speaker 3: bringing you along the journey. I'm not trying to kick
Speaker 3: you to the side at all.
Speaker 5: And don't you love when they see And that's what
Speaker 5: was so eye opening on Wall Street because it was
Speaker 5: like Wall Street that I didn't meet a single rocket
Speaker 5: scientist on Wall Street. Nor is money rocket science. This
Speaker 5: is it's not hard. It's fears. Great about goal setter,
Speaker 5: what Mastercard's doing. When they stuck, they're like, oh that's easy,
Speaker 5: seventy two, all that stuff's easy.
Speaker 4: Exactly, that's right. And then we need to show them
Speaker 4: Angela Yee and her many businesses. So we're going to
Speaker 4: reframe his fear. His fear is going to be like,
Speaker 4: oh no, I might only have two houses as opposed
Speaker 4: to three, and he can see what's start to set
Speaker 4: up his goals, and he reframes what his goals are.
Speaker 4: My goal is not to not be homeless. My goal
Speaker 4: is to have three houses and two businesses and this
Speaker 4: and that.
Speaker 5: Right, how are you careful with the e effect? My
Speaker 5: son has grown up around her and she's created a
Speaker 5: financial nightmare. Why don't we have ten houses?
Speaker 2: No.
Speaker 1: One thing I did.
Speaker 2: Show him, though, was I showed him like the first
Speaker 2: brownstone that I ever bought, and I showed him what
Speaker 2: I paid for it and what it's worth now, and
Speaker 2: also that it was a two family so I was like,
Speaker 2: this is what my mortgage was. And then I had
Speaker 2: a tenant downstairs that was paying this much money, so really,
Speaker 2: this is what I was paying every month, And so
Speaker 2: I was showing I actually showed him that so he
Speaker 2: could see what it is, and the brownstone that I
Speaker 2: purchased recently. I was showing him, you know, all of that.
Speaker 2: So he's like, now he wants to be an architect.
Speaker 4: He probably wants to be your architect.
Speaker 2: And listen, one of the things that people ask me
Speaker 2: all the time, if I could go back to my
Speaker 2: younger self and do things differently, what would it be?
Speaker 1: And I always say, I wish.
Speaker 2: I would have started investing earlier, you know, because I
Speaker 2: think that when I first was, like I said, living
Speaker 2: tech to Chech, I wasn't investing.
Speaker 1: And it wasn't until I was like twenty nine years old.
Speaker 2: That I started a roth Ira and I got a
Speaker 2: lot more confident and it didn't have to be a
Speaker 2: lot of money that I was putting in it every month,
Speaker 2: you know. So that was just something that if I
Speaker 2: could have seen exponentially how that could have grown, and
Speaker 2: if I would have started at a way younger age
Speaker 2: where I would be now, if I could go back
Speaker 2: in time and do things differently, I would have.
Speaker 5: I agreed you a good point you made. So many
Speaker 5: people think, well, I don't have the money to start one.
Speaker 2: You don't need that much, little fife.
Speaker 5: I want something that we're talking about a lot lately,
Speaker 5: is a lot of this is systemic. Like what we
Speaker 5: were talking about, people not understanding like their work benefits
Speaker 5: and things like that. Companies aren't educating people. Companies have
Speaker 5: the power to offer all sorts of benefits. I'm so
Speaker 5: glad so many are now focused on financial wellness. Systemic
Speaker 5: discrimination put us in this place. It's going to take
Speaker 5: systemic solutions to pull us out of this. You know,
Speaker 5: really help from company, so.
Speaker 3: Walking Wave and that's what I love about the work
Speaker 3: that we do holistically to enhance, rite and educate the
Speaker 3: communities across the board, to give access to everyone. There's nothing.
Speaker 2: Yeah, and some of that is on us too, write
Speaker 2: to go out and seek this information and this knowledge
Speaker 2: because you know there are that like you said, massacred,
Speaker 2: you have these programs that are available. And I do
Speaker 2: want to ask you, Tanya, how did you end up
Speaker 2: even approaching or did they approach you?
Speaker 4: Yeah, so I applied to the start Path program.
Speaker 1: And I want to hear this. I want people to
Speaker 1: see how it can happen. It was like you had
Speaker 1: it in. I knew this person. It was a hookup.
Speaker 3: We were at a conference one time and I remember
Speaker 3: her walking up to me was like, oh you work
Speaker 3: in MasterCard. Well, this is my business and this is
Speaker 3: what it is that I do. I'm going to partner
Speaker 3: and work with you. I want to have give me
Speaker 3: some names.
Speaker 4: Right.
Speaker 3: So, the way that she is now, this is a
Speaker 3: long time ago. The way that she is now, she's
Speaker 3: the same. Meaning I'm driven, I'm focused, I believe in
Speaker 3: myself right right, yes, And I believe in my product yes,
Speaker 3: and guess what happened and now we're partner.
Speaker 2: Look at that, Wow, and that the same story.
Speaker 4: And it is true. I mean, but what I have
Speaker 4: found is God doesn't put you in any place where
Speaker 4: you're not supposed to be, But it is up to
Speaker 4: us to take advantage of every one of those offices.
Speaker 1: You will that networking.
Speaker 4: Networking is so important, and there are times, you know,
Speaker 4: I actually nobody will believe this. I sit on the
Speaker 4: line between being an introvert and an extrovert. So there
Speaker 4: are some days where I walk into a room of
Speaker 4: a thousand people and my introvert side is screaming out like,
Speaker 4: oh Lord.
Speaker 5: I just want to be at home. I just want
Speaker 5: to go.
Speaker 1: Home, right.
Speaker 4: But in those moments, I say to myself, I am
Speaker 4: not leaving here until I have talked to five people
Speaker 4: who can move this business forward. And the reason is
Speaker 4: because I am so committed to transforming our community. And
Speaker 4: I know, you know, we've raised thirty million dollars. We've
Speaker 4: raised money from MasterCard, but also from Robert F. Smith,
Speaker 4: the chairman and philanthropists of Vista Equity, from Kevin Durant,
Speaker 4: from Chris Paul, from Carmelo Anthony. We have extraordinary investors
Speaker 4: who believe in goal Setter, but they believe in goal
Speaker 4: Setter's power to transform the next generation of kids in
Speaker 4: our community. And so it is my responsibility every day
Speaker 4: when I took one of those investment dollars, it's my
Speaker 4: responsibility to go up to folks like Nicole and make
Speaker 4: sure that I am getting the kinds of partnerships that
Speaker 4: can help goal Setter to get in the hands of
Speaker 4: more kids across America. So, yes, I may have been
Speaker 4: a little aggressive.
Speaker 1: Because that excitement can translate.
Speaker 2: And let me ask you this, the goal Setter start
Speaker 2: off when you first launched it, right, I want to
Speaker 2: know also about how it morphed because a lot of
Speaker 2: times you have an idea, you start something, but then
Speaker 2: you end up kind of having to adapt to what
Speaker 2: you see is necessary, is needed absolutely.
Speaker 4: So one of the things that we realized is that
Speaker 4: not only did families and kids need our product, but
Speaker 4: banks and financial institutions need our product. And so goal
Speaker 4: Setter is now white labeling our platform for banks and
Speaker 4: credit unions across the country so that they can give
Speaker 4: our platform to all of the families that they serve.
Speaker 4: So that's been a huge part of our pivot. The
Speaker 4: second thing has been that we're actually serving school systems now.
Speaker 4: So we have goal se Goal Setter both the APP
Speaker 4: and financial education curriculum in ten states across the country
Speaker 4: in twenty five school systems throughout the country. We partnered
Speaker 4: with Nike and UBS and other financial institutions to help
Speaker 4: bring this content in this curriculum into school systems that
Speaker 4: need it most. So those are the two of the
Speaker 4: things that we have done to make sure that we
Speaker 4: are getting out there and really meeting the need.
Speaker 2: And Nicole has to feel great for you to be
Speaker 2: doing this work that obviously it's right, Yeah, top talk,
Speaker 2: that's it is.
Speaker 3: I mean, when you realize that you work for a
Speaker 3: work at MasterCard, I understand that the work that we
Speaker 3: do and I'm touching the communities and I can see
Speaker 3: that tri factor of education, financial literacy, the community involvement,
Speaker 3: community development. When you witness that, and then you also
Speaker 3: turn it into what are some of the products that
Speaker 3: we're doing and we're touching generations, we're touching communities. For me,
Speaker 3: it's something that I will continue to being with pride
Speaker 3: and what it is that we what we do in
Speaker 3: working with our community partners with our FinTechs with our
Speaker 3: startups is key.
Speaker 2: Yeah, all right, well Stacy, you know, Stacy's with me
Speaker 2: every single week on Wealth Wednesdays. But honestly, when I
Speaker 2: go out and about, people always approach me and talk
Speaker 2: about how helpful our platform has been with Wealth Wednesdays.
Speaker 2: And then now they're coming up to me and talking
Speaker 2: about these priceless conversations with MasterCard also, and so that
Speaker 2: means a lot to me just for me to have
Speaker 2: this platform, to be able to give people this valuable information,
Speaker 2: give people a place that they can go to get
Speaker 2: the assistance that they need when they're at that point
Speaker 2: that they're like, Okay, I'm ready to bring my business
Speaker 2: to the next level. Or I can speak confidently on
Speaker 2: what it is that I have going on, or maybe
Speaker 2: I need to learn how to speak confidently, because that's
Speaker 2: not always something that's a given, either being able to pitch,
Speaker 2: being able to.
Speaker 5: To hear you talk about that was a little entrepreneurship
Speaker 5: one on one and I hear the you know, the
Speaker 5: partnerships and the investors and things that you made. How
Speaker 5: did you do that? Wow?
Speaker 1: I'm like, oh, it.
Speaker 4: Was a long journey and truly, how I did It
Speaker 4: is meeting good people, telling them what we're doing and
Speaker 4: why we're doing it. Right, It is often the why
Speaker 4: behind your product, not just the product that you're offering,
Speaker 4: that gets people engaged and wants them and makes them
Speaker 4: want to help you. So getting good people into our ecosystem,
Speaker 4: and truly, I'm not even kidding you asking each person,
Speaker 4: can you just introduce me to one person? And then
Speaker 4: that next person, can you just introduce me to one person?
Speaker 4: I mean, that is what networking is. You don't go
Speaker 4: to someone and say, Angela, can you introduce me to
Speaker 4: all five of the people who were on your show
Speaker 4: last week?
Speaker 5: Right, be like, no, I.
Speaker 1: Have other things.
Speaker 5: Take exactly literally.
Speaker 4: But you know, when you are doing the work, and
Speaker 4: you're doing the work for the right reasons, and then
Speaker 4: you get people engaged in that work, they do want
Speaker 4: to help you and they are willing to help you.
Speaker 4: And so that's how we were able to get it done,
Speaker 4: just one by one by one. But that's why it's
Speaker 4: been You know this, this work is not for the
Speaker 4: faint of heart being an entrepreneur. It is not for.
Speaker 1: The before you get to yes.
Speaker 4: A whole lot of nose, before you get to a yes.
Speaker 4: And the funny thing about me is I didn't come
Speaker 4: from the fintech space. I didn't come from the finance space.
Speaker 4: I actually was a Nickelodeon. I ran nick Junior dot
Speaker 4: com and nogging dot com before I came over into
Speaker 4: this space. But I knew that if I could bring
Speaker 4: all my skills of making content and making fintech products
Speaker 4: fun and engaging, then I could bring that into the
Speaker 4: financial services space and transform the space in a way
Speaker 4: that no one else had done. And when Angela was
Speaker 4: talking about, you know she had a two family brownstone,
Speaker 4: I thought about one of our videos. It's called get
Speaker 4: a Renter to pay your Mortgage. So those kinds of videos,
Speaker 4: they're fun, they're engaging. We have one that's called life Insurance.
Speaker 4: Isn't just for dead people?
Speaker 1: Right to the point true.
Speaker 4: So we have all these this great content because I
Speaker 4: came from the content space absolutely and brought that over
Speaker 4: into the financial services space. Which is why goal Setter
Speaker 4: can bring this content to people in a way that
Speaker 4: makes y'all have and it's fun and engaging, but it's
Speaker 4: still informative.
Speaker 1: About creating a trust.
Speaker 3: Yes, we do have one trust will trust that you
Speaker 3: need trust in case you have kids that you need,
Speaker 3: that's important as well. First, I want to say just
Speaker 3: thank you for the opportunity for MasterCard, for even having
Speaker 3: us to have the opportunity to amplify our message and
Speaker 3: the work that we do in this space. I think
Speaker 3: you heard from some of our partners that join you previously,
Speaker 3: you had Troy Dennis, you has a lot of guss
Speaker 3: and and definitely for the work that they do holistically,
Speaker 3: So I just want to give them a shout out.
Speaker 3: But thank you. I think that when you have the
Speaker 3: masses that can hear the wealth content what it is
Speaker 3: that we can do holistically and with some of the
Speaker 3: tools and resources that you can educate right and learn from,
Speaker 3: I just think that this is a fantastic platform for
Speaker 3: us just to share and amplify a message.
Speaker 1: So thank you, well, thank you.
Speaker 2: This means a lot to me. So I appreciate you
Speaker 2: all for being here with us today. I know our
Speaker 2: audience on way up appreciates this too. We're gonna get
Speaker 2: our investments way up. Yes, yes, and again this is priceless,
Speaker 2: this information. So now what are you going to do?
Speaker 2: That's the question, you know for everybody listening, what are
Speaker 2: you going to do. It's time to take some action.
Speaker 2: But thank you so much for joining us. And I
Speaker 2: know this is going to be amazing and I cannot
Speaker 2: wait to hear some of the success stories and people
Speaker 2: who are just listening and are inspired. So thank you
Speaker 2: so much.
Speaker 1: Thank you.
Speaker 2: I'm inspired because you know, I'm already like, okay, in solidarity.
Speaker 1: What am I doing?
Speaker 3: Stop path?
Speaker 5: That's right, you car This building did great.
Speaker 4: Thank you.