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Speaker 1: This episode is brought to you by P and C Bank.

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Speaker 1: A lot of people think podcasts about work are boring,

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Speaker 1: and sure they definitely can be, but understanding a professionals

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Speaker 1: routine shows us how they achieve their success little by little,

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Speaker 1: day after day. It's like banking with P and C Bank.

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Speaker 1: It might seem boring to safe plan and make calculated

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Speaker 1: decisions with your bank, but keeping your money boring is

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Speaker 1: what helps you live or more happily fulfilled life. P

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Speaker 1: and C Bank Brilliantly Boring since eighteen sixty five. Brilliantly

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Speaker 1: Boring since eighteen sixty five is a service mark of

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Speaker 1: the PNC Financial Service Group, Inc. P and C Bank

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Speaker 1: National Association Member FDIC.

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Speaker 2: Erness What's Up?

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Speaker 1: You ever walk into a small business and everything just

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Speaker 1: works like the checkout is fast, the receipts are digital,

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Speaker 1: tipping is a breeze, and you're out the door before

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Speaker 1: the line even builds. Odds are they're using Square? We

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Speaker 1: love supporting business that run on Square because it just

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Speaker 1: at a pop up market, or even one of our

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Speaker 1: merch partners. Square makes it easy for them to take payments,

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Speaker 1: manage inventory, and run their business with confidence, all from

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Speaker 1: one simple system. If you're a business owner or even

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Speaker 1: just thinking about launching something soon, Square is hands down

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Speaker 1: giving you time back so you can focus on what

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Speaker 1: matters most ready. To see how Square can transform your business,

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Speaker 1: more that Square dot com backslash, go backslash eyl. Don't wait,

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Speaker 1: don't hesitate. Let's Square handle the back end so you

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Speaker 1: can keep pushing your vision forward.

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Speaker 3: Talking about well building financial literacy. You said before, nothing

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Speaker 3: changes your life more than God or love. Then moving

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Speaker 3: your credit score one hundred points God loved and moving

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Speaker 3: your credit score a hundred points? So can you can

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Speaker 3: you explain why moving your credit score one hundred points

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Speaker 3: is so so important because yeah, a lot of people,

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Speaker 3: most people wouldn't think that a hundred points in a

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Speaker 3: credit score is going to be equal to finding God

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Speaker 3: or your wife.

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Speaker 2: I mean, like, I'll go further than that. If the

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Speaker 2: vice president.

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Speaker 4: Paris had listened to what you're saying and what and

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Speaker 4: what I'm saying more intently should be president. Mm hmmm,

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Speaker 4: because that election was ultimately not about red or blue,

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Speaker 4: or black or white. It was about green. It was

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Speaker 4: about everybody making cutting an economic deal. Whether that deal

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Speaker 4: is gonna work out or not, you know, we're about

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Speaker 4: to find out, but everybody basically cut a deal.

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Speaker 2: You know that says I'm to do better.

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Speaker 4: You've told me I'm going to do better economically, not morally,

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Speaker 4: not ethically, not not societally, not environmentally, not human rights,

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Speaker 4: not civil rights. Economically, we live in a capitalist democracy.

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Speaker 4: People for people forget this. They don't remember this. We

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Speaker 4: live in a free enterprise democracy on a good day.

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Speaker 4: We live we live in a capitalist democracy on a

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Speaker 4: rough day.

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Speaker 2: But it is.

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Speaker 4: Unfortunately true that going back to the time of Jesus,

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Speaker 4: we had a choice to make. We could have put

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Speaker 4: our culture inside of We could have put our economy

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Speaker 4: inside of our culture, which is what we should have done.

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Speaker 4: But actually we put our culture inside of our economy.

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Speaker 4: So almost everything is economic in nature. Uh, you can't

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Speaker 4: run a church without money. You need tie and offer it.

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Speaker 2: You know.

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Speaker 4: In fact, one of the biggest churches in the world,

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Speaker 4: one of the biggest banks in the world is the

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Speaker 4: Vatican Church, the Vatican Bank. So answering your question, and

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Speaker 4: I've said this as a joke, but I'm serious. You

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Speaker 4: go to the club, today's money. You're the club on

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Speaker 4: Friday after you worked all week.

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Speaker 2: Hell, man, she's fine. Ladies like, oh he's handsome.

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Speaker 4: What's your name? And then what's your credit score? Because

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Speaker 4: that's your business partner, full life. The looks are gonna fade,

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Speaker 4: the rear end is gonna and the rest is gonna drop. Right,

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Speaker 4: the dude's gonna get the big chests, gonna turn into

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Speaker 4: a big belly at some point. But after twenty or

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Speaker 4: thirty years, that's still your business partner. And those who

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Speaker 4: marry well do the best economically. As a as a

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Speaker 4: side point, but marriage was ultimately even in economic before

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Speaker 4: it got in doubt. Marriage with spiritual principles, marriage would

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Speaker 4: be when was present three thousand years before that as

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Speaker 4: a business principal, I mean, slavery was about money.

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Speaker 2: Nobody brought us three thousand, six.

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Speaker 4: Thousand miles, six thousand miles away from home, went all

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Speaker 4: through all that trouble because they didn't like us.

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Speaker 2: They did it because we were geniuses. Of the land.

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Speaker 2: You'd take dead, dead soil and bring it back to life.

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Speaker 4: Well, what's the southern soil, which is where all the

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Speaker 4: cotton was, that the you know, the tobacco, all the

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Speaker 4: gold crops of that time. It was in the southern soil.

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Speaker 4: It was very hot, very humid. Brother, it's here or

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Speaker 4: the Caribbean, and poor white folks couldn't work it. They're like, oh,

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Speaker 4: were good, we can't handle this. And so they went

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Speaker 4: and found somebody who could not only handle it, but

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Speaker 4: who could take dead soil and bring it back to life.

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Speaker 4: The genius of agricultural excellence, which is what we were

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Speaker 4: in that era.

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Speaker 2: So, whatever conversation you want to have, it comes down to. Money.

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Speaker 4: Wasn't never one to cause the divorce. Money wasn't never

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Speaker 4: going to cause it. Domestic abuse. Money, Never want to

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Speaker 4: call us for stress, my heart attacks.

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Speaker 2: I'm sorry. Stress, wasn't never want to call us for stress. Money.

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Speaker 2: What's behind politics? Money? I mean, whatever conversation you want

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Speaker 2: to have comes back that.

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Speaker 4: So in a world you've never had a numb about

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Speaker 4: a dropping Michael on your question because you like the

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Speaker 4: people like this guy's rambling, those have to do it.

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Speaker 4: My question about credit scores. There's never been a global

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Speaker 4: economy that wasn't There wasn't never been a superpower that

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Speaker 4: wasn't the economic power at the same time. In the

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Speaker 4: history of the world, There's never been a major economy,

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Speaker 4: including the US, or a major city like the city

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Speaker 4: of Atlanta where I'm at now, that didn't do it

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Speaker 4: in the back of good debt and a great credit rating.

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Speaker 4: I was on the phone with Tony Wrestler this morning.

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Speaker 4: Who's I don't want to tell his net worth, but

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Speaker 4: his public information. He's like the two Huns, the richest

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Speaker 4: man in the world.

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Speaker 2: He did it in the back of good debt.

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Speaker 4: No billionaire has done has become a billionaire except through

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Speaker 4: good debt. No multi millionaire times whatever, has done it

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Speaker 4: without good debt. So if you're if your if your

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Speaker 4: credit score is tow up from the flow up, those

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Speaker 4: who make the least pay the most. If you're in

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Speaker 4: a five under credit score neighborhood, I mean, the only

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Speaker 4: way to survive that neighborhood is to be an illegal

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Speaker 4: an illegal economy business because the cost of debt is

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Speaker 4: so high, the cost of credit so high. From the

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Speaker 4: from Pooky and them and Jojo and them that you're

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Speaker 4: paying such a high rate. The only way to profit

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Speaker 4: is to do some illegal stuffs right the underground economy.

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Speaker 4: So you have a check casher next to a pay

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Speaker 4: day loan lender, next to a rent to own store,

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Speaker 4: next to one title lender, next to a liquor store,

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Speaker 4: next to a.

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Speaker 2: Pawn shout, fast food restaurants.

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Speaker 4: You know, all praying on financial literacy five under credit

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Speaker 4: score neighbors and you lived at sixty one years of age.

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Speaker 4: As a sort of the insult on top of insult,

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Speaker 4: you live in that neighborhood and sixty one, fifteen minutes

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Speaker 4: away you lived to eighty one years old, twenty year difference,

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Speaker 4: and that's a seven of the credits for neighborhood five

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Speaker 4: undredit score neighborhood into the sixty one crime murder, mayhem, drugs, depression,

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Speaker 4: single parent of household. So I over answered your question,

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Speaker 4: but it was it was like the question like we

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Speaker 4: have got to get our credit right. The number one

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Speaker 4: lowest credit rating in.

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Speaker 2: America group are African Americans. It's like an I think it's.

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Speaker 3: Like what's the average what's the average credits called for

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Speaker 3: African American.

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Speaker 2: I think it's like six twenty.

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Speaker 4: Now that sounds like not so bad, but that means

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Speaker 4: that you you dudes have a seven eighty or eight

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Speaker 4: hundred credit score, and our cousins Jojo and them have

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Speaker 4: a five twenty or four and eighty credits for work

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Speaker 4: it and it. The balance out the average is that

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Speaker 4: our great credit score combined around all of our friends

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Speaker 4: up credit score averages out at six twenty. So it's

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Speaker 4: it actually sounds better than it really is, is actually

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Speaker 4: much worse, unfortunately.

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Speaker 2: And the number one calls the folks our number one

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Speaker 2: group deep.

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Speaker 4: Being declined for credit Black people lost credit SCRD black people.

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Speaker 4: You know, you know, one of the biggest economies in

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Speaker 4: the world is you know, bigger than you guys talking

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Speaker 4: about this all the time. Our our consumer spending is

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Speaker 4: one point seven and one point eight trade, bigger than

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Speaker 4: as big as Mexico and Canada.

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Speaker 2: But ninety two percent of that's consumption.

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Speaker 4: Okay, so you just combined, you combine all these and

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Speaker 4: our homeownership rate is forty one to forty four percent

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Speaker 4: compared to seventy five percent of our white counter arts. Well,

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Speaker 4: the number way you build wealth as home ownership, I mean,

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Speaker 4: you know loo again this ain't complicated. Then you say, well,

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Speaker 4: what's our net worth in twenty fifty three? You combine

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Speaker 4: all these things zero. Yeah, I mean, so you don't

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Speaker 4: need races to come after you anymore. You don't have

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Speaker 4: to worry about the Klan. You don't have to worry

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Speaker 4: about you know what demand's doing to you. We said

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Speaker 4: we're in Malcolm X say we've been bamboozo, We've been tricked,

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Speaker 4: we've been food, we've been hoodwinked. Right, so, but this

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Speaker 4: is stuff. One thing I love about credit scores you

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Speaker 4: can fix it yourself. That's what I love about. It's

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Speaker 4: self empowerment at its height. And you do that, and

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Speaker 4: once you have an eight hundred credit store, you're not

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Speaker 4: black anymore.

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Speaker 2: You're green. That computer says yes at midnight, whatever you want.

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Speaker 5: An illegal alien from Guatemala charged with raping a child

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Speaker 5: in Massachusetts. An MS thirteen gang member from El Salvador

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Speaker 5: accused of murdering a Texas man of Venezuelan charged with

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Speaker 5: filming and selling child pornography in Michigan. These are just

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Speaker 5: some of the heinous migrant criminals caught because of President

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Speaker 5: Donald J. Trump's leadership. I'm Christy Noman the United States

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Speaker 5: Secretary of Homeland Security. Under President Trump, attempted illegal border

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Speaker 5: crossings are at the lowest levels ever recorded, and over

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Speaker 5: one hundred thousand illegal aliens have been arrested. If you

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Speaker 5: are here illegally, your next you will be fine nearly

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Speaker 5: one thousand dollars a day, imprisoned, and deported. You will

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Speaker 5: never return. But if you register using our CBP home

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Speaker 5: app and leave now, you could be allowed to return legally.

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Speaker 5: Do what's right, leave now. Under President Trump, America's laws,

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Speaker 5: border and families will be protected.

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Speaker 2: Sponsored by the United States Department of Homeland Security,