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Speaker 1: at indeed dot com slash pod Katz thirteen. Just go

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Speaker 1: on this podcast. Terms and conditions apply. Hiring Indeed is

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Speaker 1: all you.

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Speaker 2: Need, whether it's my business or any business out there

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Speaker 2: you like. I'm a firm believe in my heart of

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Speaker 2: heart set it's not about having resources, it's about being

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Speaker 2: resourceful right and everything that you need is already around you.

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Speaker 2: It's just the fact that you can see.

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Speaker 3: It or not.

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Speaker 4: My graduates from my school being forced back drop.

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Speaker 3: Drop, Mike, drop back drop.

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Speaker 5: All right, guys, welcome back e y l l A edition.

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Speaker 6: Just gonna say we're home again.

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Speaker 5: At home for sure, for sure.

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Speaker 6: Third old.

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Speaker 5: Don't forget Atlanta, Atlanta, Miami, La.

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Speaker 6: We home.

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Speaker 5: We have a lot of different homes, but this is

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Speaker 5: something that we've been looking forward to for a long time.

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Speaker 5: Shout out to our good friend Charlamagne and God so

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Speaker 5: he I think he was the first person that actually

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Speaker 5: told me about Humble, and Humble is actually his business advisor,

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Speaker 5: financial advisor.

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Speaker 6: Life advisor, wealth manager, yeah.

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Speaker 5: Wealth manager. So the other first I actually heard about him,

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Speaker 5: and then we interviewed Bobby Wagner and Bobby Wagner had

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Speaker 5: mentioned Humble as well. So you put that clip on

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Speaker 5: your Instagram. So Humble, Louka, that's perfect.

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Speaker 6: Shout out to.

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Speaker 5: So Humble. He is actually the CEO of Lifeline Financial Group.

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Speaker 6: So.

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Speaker 5: Lifeline Financial Group is a boutique financial planning firm, wealth

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Speaker 5: management firm with three locations, La, Denver, and Houston. They

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Speaker 5: have fifty employees and they manage over five hundred million

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Speaker 5: dollars in assets, right, half a billion, yeah, half a billion.

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Speaker 6: Does sounds better.

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Speaker 5: Half a billion, but it's a it's a full service

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Speaker 5: financial planning firms. So they have tax planning, they have

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Speaker 5: wealth management, they have a state planning, and they have

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Speaker 5: you know, different areas, and they have different people like

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Speaker 5: that will work with a client. So and they work

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Speaker 5: with very high profile clients in sports and entertainment. Some

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Speaker 5: of their clients you might have heard of them. We

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Speaker 5: talked about Charlamagne, the God, Alonzo Ball, Bobby Wagner, just

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Speaker 5: to name a few. So it's really dope, and I'm

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Speaker 5: really excited to have this conversation because anybody that watches EYO,

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Speaker 5: they know that. That's actually was my background before doing

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Speaker 5: this was for twelve years, I was a financial advisor,

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Speaker 5: helping people with you know, investments and insurance and state

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Speaker 5: planning and stuff like that. And that was my original plan.

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Speaker 5: My original plan was to scale it onto the level

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Speaker 5: like that you're at because I saw the need, especially

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Speaker 5: for sports entertainment. It always bothered me that all of

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Speaker 5: these guys have all of these money, but most of

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Speaker 5: the representation is white and it's not like you know,

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Speaker 5: it's not of the culture. So when I found out

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Speaker 5: about you, I'm like, oh, This is actually dope because

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Speaker 5: that's something that I had always kind of envisioned. That

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Speaker 5: was my first plan to actually grow a firm to

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Speaker 5: the level that you're at right now. So kudos to

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Speaker 5: you first and PEMO, because I know firsthanded it's not.

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Speaker 6: Here was some athletes that we was close to. It

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Speaker 6: almost had a few. Yep, it's another story.

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Speaker 5: It was cool.

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Speaker 6: I was like, get it all out of here.

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Speaker 5: Yep.

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Speaker 6: Yeah, shout out to the nine.

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Speaker 5: Yeah. So this is going to be a very interesting

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Speaker 5: conversation because, you know, talking about how you grew your

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Speaker 5: business and working with clients and actually growing out a

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Speaker 5: firm because you know, being a CEO of a firm,

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Speaker 5: you actually have to manage personnel, not only clients, but

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Speaker 5: you manage the personnel as well. So putting all the

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Speaker 5: and your backstory is crazy as far as like where

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Speaker 5: you come from, incredible. Your journey is like a movie.

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Speaker 5: So first and Foremos, thank you for joining.

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Speaker 3: I appreciate it, man, I'm I'm out of be here.

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Speaker 1: Man.

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Speaker 2: I got so much respect for you too. You know,

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Speaker 2: we all like soldiers of the same war, trying to

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Speaker 2: create financial literacy for our community, and what you guys

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Speaker 2: have done is unbelievable and the fact that you guys

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Speaker 2: would even think of to have me on.

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Speaker 3: And I'm honored. I'm here, full of humility, man, ready

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Speaker 3: ready to serve and and and share my story. But

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Speaker 3: I'm honored to be here.

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Speaker 7: Man, you're very humble, humble, all pun intend I always

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Speaker 7: know like the type of person we're going to get.

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Speaker 7: When they start asking personal questions about us, I'm like, oh,

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Speaker 7: they really rock with us, Troy, you and you miss teaching, Like, oh,

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Speaker 7: he really knows I was a teacher.

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Speaker 6: Are you still doing that financially? Like it's like that's dope.

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Speaker 1: Man.

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Speaker 7: So I appreciate you for being here. It's gonna be

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Speaker 7: a classic. We know that in events, no russure.

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Speaker 5: Sure, So let's get into this all right. So, like

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Speaker 5: I said, your journey is very interesting, right, so can

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Speaker 5: you tell you a little bit about your journey as

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Speaker 5: far as coming from Uganda coming to the States and

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Speaker 5: how did you get introduced to the world of financial planning.

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Speaker 2: Yeah, now that's a man, that's a really great question.

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Speaker 2: And you know, it's like you you wake up and

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Speaker 2: you see what life has become, you know. But the journey,

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Speaker 2: I think is like what life is about you know.

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Speaker 2: So mine started in Uganda, East Africa. I come from

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Speaker 2: a small little village called Masaca. Well actually the village

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Speaker 2: is called Masambu, but the district is called Mascca.

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Speaker 3: So very very very humble beginnings.

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Speaker 2: I grew up like in this mud you know, this

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Speaker 2: mud hut, like a little a little mudhouse, like no electricity,

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Speaker 2: no indoor plumbing, walking every single day to fetch water.

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Speaker 2: You know, at the time, you know, three out of

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Speaker 2: four kids a diamond for the age of five, because

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Speaker 2: famine and malaria and polio was killing everybody. Three four kids, Yeah,

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Speaker 2: seventy five percent of kids. You know, you know my

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Speaker 2: own family, you know what I mean. I lost both

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Speaker 2: of my sisters, you know, to those living conditions. You know,

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Speaker 2: I come from a nightmare that I wouldn't wish my

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Speaker 2: worst enemy if I had one, per se. But so

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Speaker 2: I'm I'm born and raised in Ugana, and you gotta

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Speaker 2: imagine my father and my mother. You know, they grew up.

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Speaker 2: So the whole country has been ruled by dictators to

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Speaker 2: this day. I think the most famous one people know

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Speaker 2: if it's Edio, but it's been dictator after dictator. You know,

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Speaker 2: Edia mean to Boti to the seventy. I mean, we've

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Speaker 2: never had a peaceful transfer of power. So and by

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Speaker 2: the way, my story, I don't want to I don't

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Speaker 2: want the audience to feel like a poor humble I'm

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Speaker 2: the voice of my people. So my story is the

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Speaker 2: same story for anybody that grew up in Ugana at

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Speaker 2: this time.

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Speaker 3: You know, I'm just really.

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Speaker 2: Lucky to have made it out, to be able to

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Speaker 2: tell it and to be able to be like a

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Speaker 2: testimonial or a poster of the Yugandan spirit and who

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Speaker 2: we are as people. But so my parents, they grew

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Speaker 2: up in those regimes, right Edia mean and Boti and

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Speaker 2: at the time, you know, my father had ten siblings, right,

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Speaker 2: nine of the cease my mother you know, you know,

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Speaker 2: going through the same situation.

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Speaker 3: Everybody's going through this.

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Speaker 2: I mean, to this day, fifty percent of the entire

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Speaker 2: population in Uganda's under the age of fifteen.

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Speaker 3: That's fifteen, that's orphans, right, So.

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Speaker 2: We lost a lot. And uh and my father, man,

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Speaker 2: he would he will fight to get us a plitical asylum,

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Speaker 2: right because you got imaginement. He had lost nine of

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Speaker 2: his siblings and then now he's losing children, my sisters,

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Speaker 2: you know, so me and my brother are still alive

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Speaker 2: and he's and he's just you know, him and my

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Speaker 2: mother just fighting to get us out of out of Uganda.

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Speaker 2: And through the grace of God. Man, when I'm like

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Speaker 2: eleven years old, I get a plitical asylum, and a

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Speaker 2: politic asylum allows you to escape the bondage that you're

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Speaker 2: in and.

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Speaker 3: Go to a place where it's safe.

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Speaker 2: Right, So we came to Denver, Colorado, and uh, you

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Speaker 2: can look at imagine up from Uganda. Man, I'm from Masaka,

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Speaker 2: Like I literally grew up twenty three degrees under the

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Speaker 2: equator and in boom.

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Speaker 3: You know, I'm eleven and I'm in Uh.

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Speaker 2: I had never seen snow, let alone white people, right,

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Speaker 2: So what's everything?

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Speaker 3: Everything is? Everything is a complete culture shock.

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Speaker 2: But but I feel I'm so I'm so grateful that

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Speaker 2: happened for me. And I remember getting those getting you know,

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Speaker 2: getting getting those shoes and and and walking on that

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Speaker 2: plane and knowing that on one on on one hand,

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Speaker 2: my life is, my life is going to be spared.

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Speaker 2: But on the other hand, knowing I'm leaving everything and

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Speaker 2: everything I've ever known behind, you know, So I landed,

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Speaker 2: I landed, uh in Denver. And so when you come,

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Speaker 2: when you get here minutes, it's a crazy culture shock, right.

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Speaker 3: Uh and uh.

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Speaker 2: And you're trying to you know, you I'm from like

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Speaker 2: I'm from You're gone to East Africa. So it's a

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Speaker 2: complete culture shock. I mean, so you know, I'm support

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Speaker 2: So I started. I was supposed to be public in

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Speaker 2: fifth grade, but I got to start in kindergarten to

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Speaker 2: learn what a now it is whatever?

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Speaker 3: You know what I mean, how to speak the ladygarten

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Speaker 3: what I mean with the sixth graders. So they had

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Speaker 3: this program called English has a second year. I'm just

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Speaker 3: in there with this, you know what I mean. I'm

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Speaker 3: in here like I'm just I can't even fifth the chairs.

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Speaker 2: But I was really lucky though, because I had a

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Speaker 2: I was I didn't know, but at the time I

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Speaker 2: I had a brain that comprehendive, rely fast, you know

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Speaker 2: what I mean. So by the time I'm in eighth grade,

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Speaker 2: I really caught up to my peers, right, and in

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Speaker 2: certain ways I'm starting to really excel, like in math

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Speaker 2: and science.

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Speaker 5: Right.

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Speaker 2: And but you know, my mother when my mother got here,

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Speaker 2: my father got here. You know, my mother cleaned people's homes.

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Speaker 2: That's wy s she put foot on the table. She

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Speaker 2: was a housekeeper. And then my father cleaned restaurants at night.

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Speaker 2: You know, he was a janitor. So so we're trying

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Speaker 2: to you know, life is starting to kind of come together.

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Speaker 2: You know, I'm heading into my freshman of high school.

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Speaker 2: And then my mother has a stroke and the stroke

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Speaker 2: was so severe, left the paralyzed with.

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Speaker 3: The neck down, you know what I mean.

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Speaker 2: So, and my mother was a mat sharch of the family, right,

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Speaker 2: the spirit of our family. And they give out like

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Speaker 2: six months to live. So I'm the one to put

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Speaker 2: in a hospice hospital right where like a nurse assist

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Speaker 2: can take care of her until a dying day. And

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Speaker 2: my father refused, and he was already my hero, but

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Speaker 2: in that moment he became my example, right, and he said, no,

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Speaker 2: I'm not doing that. You know, he said, if somebody's

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Speaker 2: gonna bathe her, take her to the bathroom, brush your

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Speaker 2: teeth wiper, it's going to be me. So he sits

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Speaker 2: me down and he says, okay, Humble, I'm gonna take

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Speaker 2: care of your mother all day, but you have to

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Speaker 2: take over the cleaning ships at night. So this I'm

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Speaker 2: getting into finance, right, sore, so he sent me down.

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Speaker 2: He says, okay, so this is the plan man. After school.

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Speaker 2: So I remember like he was yesterday. Man, I would

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Speaker 2: wake up as five forty five in the morning. I

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Speaker 2: bet the school stop a bus stop a six forty five.

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Speaker 2: I'd be a school of seven fifteen. Get back home

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Speaker 2: at three thirty. I would do my homework, eat something,

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Speaker 2: take a nap, and by like eight o'clock, my old

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Speaker 2: man is dropping me off to clean office buildings and

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Speaker 2: Bennigan's and Applebee's and you name it. At this point,

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Speaker 2: this point, I'm barely fifteen.

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Speaker 6: Ok.

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Speaker 3: Yeah.

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Speaker 2: So it was in those nights, Man, where your friends

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Speaker 2: are at a high school party or playing a sport

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Speaker 2: or you know, or maybe just resting because they got

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Speaker 2: an exam, and you up cleaning toilets and bathrooms. It

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Speaker 2: was in that moment where I said, you know, I

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Speaker 2: got to change your curse of poverty for my family.

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Speaker 3: You know, I was.

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Speaker 2: I felt like this, this curse of poverty has to

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Speaker 2: stop with me. And that's when I started to to

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Speaker 2: figure out, like, how can you make that? How could

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Speaker 2: you make that possible?

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Speaker 6: You know?

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Speaker 2: And so every night I would clean, Man, Every night,

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Speaker 2: I would clean it is. There'll be some times when

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Speaker 2: my father will come help me if I have like

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Speaker 2: an exam or something. But I cleaned so much. And

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Speaker 2: when you clean that much, I don't care how much

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Speaker 2: you shower or put cocoa butter on. You can't take

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Speaker 2: the stinch of bleach off your hands, you know. But

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Speaker 2: but I knew. I knew that they like if I

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Speaker 2: I got to find a way to change a curse

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Speaker 2: of poverty for my family, you know. And and the

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Speaker 2: first time I remember, I had a beautiful high school principal,

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Speaker 2: man that he's passed on, but he was he was

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Speaker 2: incredible man. His name was John Buckner, and I mister

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Speaker 2: Buckner was like he was a legend in all of

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Speaker 2: our eyes who went high school at the time. And

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Speaker 2: he just took a liking to me. And I spent

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Speaker 2: a lot of time in his office. I was like,

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Speaker 2: the kid who was in the principal's office was never

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Speaker 2: in trouble.

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Speaker 5: You know.

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Speaker 3: He knew my story.

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Speaker 2: And one day I asked him, I said, mister Buckner, man,

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Speaker 2: how do I how do I change the curse of

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Speaker 2: poverty for my family? And he was like, man, you

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Speaker 2: gotta learn how money works. And it just like I

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Speaker 2: was like, what do you mean how money works? You

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Speaker 2: know what I mean, money works? What does that actually mean?

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Speaker 3: And any uh? And he and he said, okay, man.

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Speaker 6: Uh.

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Speaker 2: He introduced me to Think and Grow Rich by Napoleon Hill,

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Speaker 2: And I'm sure you guys have read that book. I mean,

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Speaker 2: it just changed my life, you know, like Napoleon with

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Speaker 2: his principles of and this was the first book that

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Speaker 2: I read that didn't teach you what to think, but

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Speaker 2: how to think, you know, and how to make sure

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Speaker 2: that your your dreams are bigger than your bedroom window, right,

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Speaker 2: how to how to think positively?

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Speaker 3: How all these different things just inspired me.

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Speaker 2: You probably the first book that I got a sense

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Speaker 2: of worth, right, and then it also induced me to

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Speaker 2: reach that poor dad and I read that book as well,

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Speaker 2: and I was like, oh man, you know, so I

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Speaker 2: started to feel really really really inspired. Now, mind you,

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Speaker 2: my mother is fighting at this point, so she's alive

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Speaker 2: past six months, you know, through her courage, in God's

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Speaker 2: grace and my father's love. She's fighting. She's fighting. So

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Speaker 2: she ended up staying alive my whole high school career.

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Speaker 2: So I literally became a professional janitor, you know what.

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Speaker 2: I mean to this day, I'm not taking out to trash.

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Speaker 3: I'm done.

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Speaker 6: I've done, You've done, You've done.

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Speaker 3: I'm done. I did, I'm but.

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Speaker 2: I remember being really inspired to where my senior year,

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Speaker 2: I asked my father if I can drop one of

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Speaker 2: the restaurants to pick up a paper route so I

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Speaker 2: can have access to the Financial Times. And so then

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Speaker 2: he introduced me to our Warren Buffett and I said, Arina,

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Speaker 2: about all these luminaries, you know, And I said, man,

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Speaker 2: I'm gonna do something about this. But I had no

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Speaker 2: idea what like what I was going to do until

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Speaker 2: I got to college. Right, So my mother ends up

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Speaker 2: passing away from the stroke eventually. Now in my culture,

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Speaker 2: you know, it was important in our culture, we have

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Speaker 2: to bury her back where we're from so she can

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00:14:33,160 --> 00:14:36,160
Speaker 2: go to rest with our ancestors. And so we en

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00:14:36,240 --> 00:14:39,280
Speaker 2: route to go have the funeral in Uganda, and then my.

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Speaker 3: Father has a heart attack and he passes away.

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Speaker 7: You do it all without breaking a sweat, like being

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00:14:44,440 --> 00:14:47,760
Speaker 7: a boss. Exec to Tuesday Tennis, to homework, a why

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00:14:47,800 --> 00:14:51,640
Speaker 7: do kids have so much homework? Family dinners, lunches, brunches,

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00:14:51,920 --> 00:14:54,800
Speaker 7: trips to the vet, and a weekend getaway that's anything

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00:14:54,840 --> 00:14:57,240
Speaker 7: but a getaway, and you do it all in style,

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00:14:57,920 --> 00:15:00,560
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00:15:00,600 --> 00:15:03,680
Speaker 7: top of the kid's orchestra recitals, not to mention your

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00:15:03,720 --> 00:15:04,320
Speaker 7: side hustle.

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Speaker 6: That's why they created.

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Speaker 3: En route, So as you're going airplane, Yeah, on air plane.

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Speaker 7: He had a heart attack on an air As you're

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Speaker 7: going to your mom's, your dad passes.

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Speaker 2: Actually died in route through Egypt, right, So, Nike, A

346
00:15:53,360 --> 00:15:56,480
Speaker 2: long story short, you know now, I'm I definitely had

347
00:15:56,480 --> 00:15:59,200
Speaker 2: to put both pans to rest and relatively almost the

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00:15:59,240 --> 00:15:59,800
Speaker 2: same time.

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Speaker 5: Though.

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Speaker 3: It's crazy.

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00:16:02,120 --> 00:16:05,400
Speaker 2: So I get back, so I get back now. I

352
00:16:05,400 --> 00:16:07,840
Speaker 2: get at this point, man, I had pretty much lost

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Speaker 2: my entire family and my immediate family except for my brother,

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Speaker 2: who I would unfortunately lose in a car accident in

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Speaker 2: twenty seventeen.

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Speaker 3: But I get back. I'm the only person in America

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Speaker 3: right now.

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00:16:17,560 --> 00:16:20,040
Speaker 2: And I was in the library and I read this

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00:16:20,160 --> 00:16:23,760
Speaker 2: article that said seventy eight percent of our professional athletes

360
00:16:23,760 --> 00:16:26,240
Speaker 2: in the NFL were going broke two to three years

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00:16:26,240 --> 00:16:28,840
Speaker 2: after they're retired. And I remember reading this article, man,

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Speaker 2: and it broke my heart because.

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Speaker 6: I said, this is that, this is when you go

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Speaker 6: to New Mexico.

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Speaker 3: This when I back in Mexico.

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Speaker 6: Yeah, Lobos, yeah, Lobo, yeah yeah. Yeah. So now you're

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Speaker 6: coming back. You're going to college.

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00:16:38,320 --> 00:16:40,480
Speaker 2: Yeah, now I'm back down to school, right, And you

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Speaker 2: got imagine the hardest moment of my life.

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Speaker 3: Man.

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00:16:42,800 --> 00:16:45,880
Speaker 2: If if life is glassed, there's pieces of mine everywhere, right,

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Speaker 2: So I'm just trying to pick up a piece every

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Speaker 2: single day.

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Speaker 3: And and I'm a nerd. I love to read.

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Speaker 2: So I spent a lot of time in the library,

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Speaker 2: mostly because they had free free tam free snacks. I

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00:16:55,840 --> 00:16:57,400
Speaker 2: just go in there and eat tape, some money for

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00:16:57,680 --> 00:16:59,240
Speaker 2: you know what, I'm saying so, But I read this

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Speaker 2: article man Now, and it broke my heart because these

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00:17:01,960 --> 00:17:05,080
Speaker 2: young men were coming from their own struggle, having an

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Speaker 2: opportunity to build generational wealth and freedom for their families,

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00:17:07,920 --> 00:17:10,800
Speaker 2: but ending up worse than even they started in most times,

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00:17:11,240 --> 00:17:13,000
Speaker 2: in most cases and not. It didn't make sense to

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00:17:13,040 --> 00:17:16,400
Speaker 2: me because they all had these financial advisors and agents

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00:17:16,440 --> 00:17:19,040
Speaker 2: and you know, these business teams around them.

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Speaker 3: So how was a out of ten going broke?

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Speaker 5: Right?

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Speaker 3: I became obsessed with it.

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Speaker 2: I became obsessed, and I was trying to figure out

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Speaker 2: why this was happening, especially to men who looked like me,

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Speaker 2: at such a rapid rate. And the more and more

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Speaker 2: and more that I dug into it was so negative

393
00:17:32,920 --> 00:17:36,720
Speaker 2: and disparaging towards these young men. Or they're reckless, they're unintelligent,

394
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Speaker 2: they're undisciplined. But it didn't make sense to me because

395
00:17:39,440 --> 00:17:42,919
Speaker 2: they all had these business teams, right, these agents, financial

396
00:17:42,960 --> 00:17:45,240
Speaker 2: advisors and everybody. And it became quite clear to me

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00:17:45,280 --> 00:17:47,240
Speaker 2: that they were being taken advantage of. Because if you

398
00:17:47,240 --> 00:17:49,720
Speaker 2: go to a hospital and eight out of ten patients

399
00:17:49,720 --> 00:17:52,240
Speaker 2: are dying two to three years after the leave that hospital,

400
00:17:52,480 --> 00:17:55,520
Speaker 2: you're not calling those patients, you know, reckless or unintelligent

401
00:17:55,640 --> 00:17:57,399
Speaker 2: or undisciplined. Right, you're saying, what that was going on

402
00:17:57,480 --> 00:17:59,920
Speaker 2: with the doctors. And so it was in that moment,

403
00:18:00,359 --> 00:18:02,800
Speaker 2: in the hardest moment of my life, where I said, man,

404
00:18:02,840 --> 00:18:04,639
Speaker 2: I found it was like almost like God was speaking

405
00:18:04,640 --> 00:18:06,440
Speaker 2: to me, because it's love that I have found in

406
00:18:06,520 --> 00:18:09,760
Speaker 2: high school for finance was not finding a mission, right,

407
00:18:10,240 --> 00:18:12,360
Speaker 2: And the more I dug into us as our community,

408
00:18:12,520 --> 00:18:15,320
Speaker 2: the same thing has happened to our athletes, same thing was.

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00:18:15,280 --> 00:18:17,720
Speaker 3: Happening to our entertainers. And as we know, these are

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00:18:17,720 --> 00:18:19,040
Speaker 3: some these.

411
00:18:18,840 --> 00:18:21,120
Speaker 2: Are our heroes, right, this is how we were able

412
00:18:21,119 --> 00:18:23,520
Speaker 2: to get out of slavery, and we're through entertainment through sports,

413
00:18:23,560 --> 00:18:25,160
Speaker 2: so that these these are our heroes and they all

414
00:18:25,240 --> 00:18:27,320
Speaker 2: ending up in destitute. So I said, I want to

415
00:18:27,359 --> 00:18:29,960
Speaker 2: do something about this, right, And and when you're young,

416
00:18:30,040 --> 00:18:31,960
Speaker 2: you have no idea how hard it's going to be.

417
00:18:32,440 --> 00:18:34,879
Speaker 2: But through the grades of God and and you know,

418
00:18:34,920 --> 00:18:37,280
Speaker 2: all of my teammates that work with me, I think

419
00:18:37,320 --> 00:18:41,120
Speaker 2: we've built the most dynamic business and wealth management firm

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00:18:41,560 --> 00:18:45,600
Speaker 2: in the country for for our athletes and our entertainers

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00:18:45,600 --> 00:18:48,119
Speaker 2: and our executives. And it's been the honor of my

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00:18:48,200 --> 00:18:52,639
Speaker 2: life to lead this this firm, to to ensure that

423
00:18:52,680 --> 00:18:56,479
Speaker 2: we build generational wealth, which equates to generational freedom.

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00:18:56,560 --> 00:18:58,840
Speaker 3: You know what I mean. That's a long story.

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00:18:58,680 --> 00:19:02,440
Speaker 5: To it was definitely good. It was good to get

426
00:19:02,480 --> 00:19:05,280
Speaker 5: the backstory. So all right, so let's get into this.

427
00:19:05,400 --> 00:19:08,800
Speaker 5: So you have, you know, one of the top wealth

428
00:19:08,840 --> 00:19:12,080
Speaker 5: management firms in the world. But all right, what were

429
00:19:12,119 --> 00:19:14,439
Speaker 5: the steps to do that? As far as like you said, okay,

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00:19:14,840 --> 00:19:17,800
Speaker 5: I want to get into finance, right, did you start

431
00:19:17,800 --> 00:19:20,440
Speaker 5: working for a firm at first and get your series six,

432
00:19:20,480 --> 00:19:22,240
Speaker 5: series seven and stuff like that, Like, what were the

433
00:19:22,240 --> 00:19:24,280
Speaker 5: steps that you actually got Because there's a lot of

434
00:19:24,280 --> 00:19:26,359
Speaker 5: people that are financial advisors, but there's not a lot

435
00:19:26,359 --> 00:19:29,040
Speaker 5: of people that actually own their own financial plan firm.

436
00:19:29,440 --> 00:19:34,080
Speaker 5: Most people work for either you know, institutions on the

437
00:19:34,119 --> 00:19:37,479
Speaker 5: insurance side or on the investment side, like they might

438
00:19:37,520 --> 00:19:39,639
Speaker 5: work for like Fidelity, or they might work for like

439
00:19:39,640 --> 00:19:43,080
Speaker 5: an insurance company. So how did you take the steps

440
00:19:43,119 --> 00:19:45,359
Speaker 5: to actually and doing it at a young age? What

441
00:19:45,400 --> 00:19:47,639
Speaker 5: would the steps to actually go to be an entrepreneur

442
00:19:48,119 --> 00:19:50,120
Speaker 5: and have you know the firm.

443
00:19:50,359 --> 00:19:54,439
Speaker 2: That's a really great question, man. You know, I've I

444
00:19:54,520 --> 00:19:57,240
Speaker 2: was coming of age in that two thousand and seven,

445
00:19:57,240 --> 00:19:59,159
Speaker 2: two thousand and eight, when the world was on fire,

446
00:20:00,640 --> 00:20:02,080
Speaker 2: the markets have crashed, was in the.

447
00:20:02,080 --> 00:20:04,120
Speaker 3: Greatest you know, that's when you came into posession. Yeah,

448
00:20:04,119 --> 00:20:04,719
Speaker 3: two thousand and eight.

449
00:20:05,880 --> 00:20:08,400
Speaker 2: Yeah, it was crazy, right, And like you're seeing companies

450
00:20:08,440 --> 00:20:11,439
Speaker 2: around one hundred plus years, Bear Sterns, Lehman Brothers, like

451
00:20:11,440 --> 00:20:13,719
Speaker 2: either they're here on Friday and they're going on Monday.

452
00:20:13,760 --> 00:20:16,640
Speaker 3: Over the weekends, like trillions of dollars was going.

453
00:20:17,240 --> 00:20:19,160
Speaker 6: And I remember, I mean it was the you guys

454
00:20:19,200 --> 00:20:20,119
Speaker 6: was in New York especially.

455
00:20:21,160 --> 00:20:23,960
Speaker 2: The world was on fire, right, it was burning, and

456
00:20:23,960 --> 00:20:25,920
Speaker 2: and I remember coming of age, and I'm thinking, man,

457
00:20:26,920 --> 00:20:27,800
Speaker 2: how is this possible?

458
00:20:27,800 --> 00:20:27,960
Speaker 5: You know.

459
00:20:27,960 --> 00:20:29,800
Speaker 2: I started, I'm doing my research, and I realized right

460
00:20:29,840 --> 00:20:31,840
Speaker 2: away that I just want to be respectful. But I

461
00:20:31,840 --> 00:20:33,760
Speaker 2: realized the way that I don't want to go work

462
00:20:34,080 --> 00:20:38,120
Speaker 2: at these wirehouses because if this can happen, if if

463
00:20:38,119 --> 00:20:41,560
Speaker 2: they can make up these these products right that are

464
00:20:41,600 --> 00:20:43,840
Speaker 2: that are illegal and and you know what, I mean,

465
00:20:43,880 --> 00:20:45,879
Speaker 2: to boost these bonds and all these different things that

466
00:20:45,960 --> 00:20:48,240
Speaker 2: led to them crash of the market, I don't want

467
00:20:48,240 --> 00:20:50,800
Speaker 2: to be a part of that, right. So and on

468
00:20:50,840 --> 00:20:53,760
Speaker 2: my mission, I said, I have to build the firm myself,

469
00:20:53,800 --> 00:20:54,879
Speaker 2: like you know, and you know what I mean, Like,

470
00:20:54,880 --> 00:20:56,080
Speaker 2: I have to do it my way, and I know

471
00:20:56,119 --> 00:20:57,639
Speaker 2: it's going to be the harder.

472
00:20:57,400 --> 00:20:59,639
Speaker 3: Way to do it. But I had two goals.

473
00:20:59,800 --> 00:21:02,800
Speaker 2: I wanted to I wanted to protect people to look

474
00:21:02,920 --> 00:21:05,520
Speaker 2: like me, I help them build generational wealth and freedom.

475
00:21:05,720 --> 00:21:07,800
Speaker 2: And then I wanted to give amazing jobs to people

476
00:21:07,800 --> 00:21:10,560
Speaker 2: that look like me who wanted to work in this industry. Right,

477
00:21:11,520 --> 00:21:13,760
Speaker 2: And the way to have that type of to serve

478
00:21:13,840 --> 00:21:16,680
Speaker 2: that mission, I knew I had to take the route

479
00:21:16,680 --> 00:21:20,840
Speaker 2: that was less traveled and become and start the business myself. Now,

480
00:21:21,720 --> 00:21:25,159
Speaker 2: whether it's my business or any business out there, you like,

481
00:21:25,520 --> 00:21:27,520
Speaker 2: I'm a firm believe in my heart of heart set.

482
00:21:27,760 --> 00:21:30,880
Speaker 2: It's not about having resources. It's about being resourceful, right,

483
00:21:31,040 --> 00:21:35,080
Speaker 2: and everything that you need is already around you. It's

484
00:21:35,119 --> 00:21:36,520
Speaker 2: just the fact that you can see it or not,

485
00:21:37,240 --> 00:21:40,919
Speaker 2: if that makes sense, right. So when I was starting out,

486
00:21:40,960 --> 00:21:45,600
Speaker 2: I said, okay, I started researching. I started researching, you know,

487
00:21:45,640 --> 00:21:47,879
Speaker 2: people who looked like me, who was doing this. But

488
00:21:47,920 --> 00:21:49,480
Speaker 2: at the same time, like I was looking around my

489
00:21:50,119 --> 00:21:53,359
Speaker 2: version of New Mexico and I was seeing I was

490
00:21:53,440 --> 00:21:55,159
Speaker 2: really big on the campus and now was seeing like

491
00:21:55,240 --> 00:21:56,800
Speaker 2: athletes that had a chance to go through the pros

492
00:21:56,800 --> 00:21:58,440
Speaker 2: that I was really good friends with. So I told

493
00:21:58,440 --> 00:22:00,240
Speaker 2: them about my dream. I said, hey, this is what

494
00:22:00,240 --> 00:22:00,880
Speaker 2: I wanted to do.

495
00:22:01,160 --> 00:22:01,320
Speaker 6: Right.

496
00:22:01,359 --> 00:22:05,159
Speaker 2: This was guys like Glover Quinn, right, who guys like

497
00:22:05,200 --> 00:22:10,359
Speaker 2: j R. Getting So these were these peers, Yeah, from

498
00:22:10,720 --> 00:22:14,760
Speaker 2: Oklahoma City, the Red Dirt, a play of cancers yet yeah,

499
00:22:14,800 --> 00:22:15,959
Speaker 2: so these are men that are that.

500
00:22:16,000 --> 00:22:17,800
Speaker 3: I'm that that are my peers.

501
00:22:17,800 --> 00:22:20,520
Speaker 2: And we all here together and I went and I said, hey,

502
00:22:20,560 --> 00:22:22,600
Speaker 2: this is what I want to do, and I want

503
00:22:22,600 --> 00:22:24,639
Speaker 2: to protect you guys. I want to do this. And

504
00:22:24,640 --> 00:22:26,480
Speaker 2: they gave me a chance, you know what I mean?

505
00:22:26,600 --> 00:22:30,040
Speaker 2: And uh, you gotta imagine. And that's why I come

506
00:22:30,080 --> 00:22:33,119
Speaker 2: here with. I wake up with added to the gratitude

507
00:22:33,160 --> 00:22:36,480
Speaker 2: because as hard as we all work, and as and

508
00:22:36,520 --> 00:22:40,280
Speaker 2: as determined and as purposefully driven as we all are, man,

509
00:22:40,600 --> 00:22:42,520
Speaker 2: you need you need a lady of luck to show up, right.

510
00:22:42,560 --> 00:22:45,960
Speaker 2: You need somebody to somebody to believe in you. You know,

511
00:22:46,000 --> 00:22:48,560
Speaker 2: even at the university I was at. I don't know

512
00:22:48,600 --> 00:22:50,959
Speaker 2: if you guys know the legendary running back Arian Foster.

513
00:22:51,600 --> 00:22:53,480
Speaker 6: Yeah, he was Houston.

514
00:22:53,600 --> 00:22:55,199
Speaker 2: Yes, he was a he was a Tennessee at the

515
00:22:55,200 --> 00:22:57,920
Speaker 2: time in two thousand, in two thousand and seven, thousand

516
00:22:57,960 --> 00:23:00,560
Speaker 2: and eight, and but his mother worked at the it

517
00:23:00,640 --> 00:23:02,600
Speaker 2: worked at U and m with the University of New Mexico, right,

518
00:23:02,680 --> 00:23:05,359
Speaker 2: So I was able So when everything fell apart for

519
00:23:05,440 --> 00:23:07,159
Speaker 2: him and he went undrafted and all that stuff, I

520
00:23:07,200 --> 00:23:09,360
Speaker 2: was able to meet him at the lowest point of

521
00:23:09,080 --> 00:23:11,000
Speaker 2: his life and got his career.

522
00:23:11,080 --> 00:23:11,359
Speaker 6: Wow.

523
00:23:11,480 --> 00:23:13,160
Speaker 3: So there was there was these people.

524
00:23:13,000 --> 00:23:15,640
Speaker 2: Around me that believed in my soul and my spirit

525
00:23:15,680 --> 00:23:17,720
Speaker 2: that gave me a chance, you know, when I'm twenty

526
00:23:17,800 --> 00:23:21,000
Speaker 2: years old, right to build from there. And then like

527
00:23:21,040 --> 00:23:23,119
Speaker 2: I said earlier, you know, friends started to bring friends

528
00:23:24,280 --> 00:23:25,800
Speaker 2: and that's how we kind of that's how that's how

529
00:23:25,800 --> 00:23:26,280
Speaker 2: I kind.

530
00:23:26,119 --> 00:23:30,359
Speaker 7: Of so Arian, I mean, he's the biggest client that

531
00:23:30,400 --> 00:23:32,520
Speaker 7: you had to start at the time at the time.

532
00:23:32,720 --> 00:23:34,440
Speaker 6: At the time, yeah, at the time, well, he.

533
00:23:34,520 --> 00:23:36,480
Speaker 2: Was the smallest client I had at the time because

534
00:23:36,480 --> 00:23:38,480
Speaker 2: he was undrafted. He had true thirty two hundred dollars

535
00:23:38,520 --> 00:23:40,440
Speaker 2: to his name. We had nothing to manage, right, So

536
00:23:40,800 --> 00:23:42,520
Speaker 2: what was the what do you explaining to him? This

537
00:23:42,560 --> 00:23:44,200
Speaker 2: is what are you telling him? This is what I'm offering,

538
00:23:44,200 --> 00:23:47,520
Speaker 2: because this isn't like agent story. This is like I'm

539
00:23:47,560 --> 00:23:49,600
Speaker 2: about to be your financial wealth planner.

540
00:23:49,720 --> 00:23:52,080
Speaker 7: Right, So what's the conversation that you have in obviously

541
00:23:52,119 --> 00:23:54,080
Speaker 7: the connection with his mom, did you have to like

542
00:23:54,119 --> 00:23:56,560
Speaker 7: explain to her first and then get in contact with him?

543
00:23:56,560 --> 00:23:58,000
Speaker 6: And now it was like, all right, now we got

544
00:23:58,000 --> 00:23:59,880
Speaker 6: this meeting. What do you explaining to him?

545
00:24:00,119 --> 00:24:00,280
Speaker 5: Yeah?

546
00:24:00,400 --> 00:24:00,920
Speaker 3: Great question.

547
00:24:01,000 --> 00:24:03,680
Speaker 2: Yeah, so yes, you're trying to get everybody on board

548
00:24:03,720 --> 00:24:06,440
Speaker 2: to give this kid a chance. Right, So I'm meeting

549
00:24:06,440 --> 00:24:09,880
Speaker 2: with everybody. But I always know my heart of hearts man,

550
00:24:10,080 --> 00:24:13,160
Speaker 2: since I was like six seven years old, it's life

551
00:24:13,200 --> 00:24:15,399
Speaker 2: has life has always made sense to me that like,

552
00:24:16,480 --> 00:24:18,200
Speaker 2: you can get all that you want out of life

553
00:24:18,240 --> 00:24:19,840
Speaker 2: if you can help other people get old that they

554
00:24:19,840 --> 00:24:20,680
Speaker 2: want out of life.

555
00:24:21,320 --> 00:24:22,119
Speaker 3: It's that simple.

556
00:24:22,760 --> 00:24:25,160
Speaker 2: So if I'm sitting down, I'm sitting here with Arian.

557
00:24:25,840 --> 00:24:28,760
Speaker 2: He has a daughter on the way, he just got

558
00:24:28,920 --> 00:24:32,399
Speaker 2: went undrafted. His dream that he's been chasing since he

559
00:24:32,480 --> 00:24:35,480
Speaker 2: was five years old is gone, right, and now at

560
00:24:35,480 --> 00:24:38,200
Speaker 2: that pointment, everybody's gone, right, And so I felt like

561
00:24:38,240 --> 00:24:39,600
Speaker 2: God to put me in in his life at that

562
00:24:39,640 --> 00:24:41,440
Speaker 2: particular moment for the war that we were about to

563
00:24:41,480 --> 00:24:45,440
Speaker 2: go on, right, And so at that point nobody was around,

564
00:24:46,080 --> 00:24:49,440
Speaker 2: but he saw like my conviction and just trying to

565
00:24:49,440 --> 00:24:51,360
Speaker 2: help him get all that he wanted to make sure

566
00:24:51,359 --> 00:24:54,800
Speaker 2: he can provide for his daughter. Right, And so though

567
00:24:54,800 --> 00:24:56,840
Speaker 2: he only had thirty two hundred dollars, you know, I

568
00:24:56,840 --> 00:24:59,080
Speaker 2: tell people all the time that because a lot of

569
00:24:59,080 --> 00:25:00,760
Speaker 2: people feel like, well, when I get rich, when I

570
00:25:00,800 --> 00:25:02,800
Speaker 2: get wealthy and I have something to manage, that's when

571
00:25:02,800 --> 00:25:05,359
Speaker 2: I get a financial plan instant, I said, you know,

572
00:25:05,400 --> 00:25:07,239
Speaker 2: not having a plan is a plan, it's just a

573
00:25:07,280 --> 00:25:07,960
Speaker 2: really bad one.

574
00:25:08,359 --> 00:25:08,520
Speaker 5: Right.

575
00:25:08,760 --> 00:25:11,000
Speaker 2: So even for him, you only got thirty two hundred dollars,

576
00:25:11,040 --> 00:25:13,159
Speaker 2: you gotta look at this like you gotta you know,

577
00:25:13,200 --> 00:25:17,480
Speaker 2: you gotta look at this like everything right, And and

578
00:25:17,760 --> 00:25:20,080
Speaker 2: but I he had he he oh, I think one

579
00:25:20,080 --> 00:25:21,720
Speaker 2: of my greatest gifts in life is like I've never

580
00:25:21,800 --> 00:25:24,440
Speaker 2: liked foresight. I can see somebody and know what they're

581
00:25:24,440 --> 00:25:26,080
Speaker 2: what they're going to be before the world can see it.

582
00:25:26,200 --> 00:25:27,800
Speaker 2: And meeting him or I knew he was gonna do

583
00:25:27,840 --> 00:25:29,399
Speaker 2: what he was going to do because he had a

584
00:25:29,480 --> 00:25:31,040
Speaker 2: he had a focus on a work ethic that was

585
00:25:31,080 --> 00:25:31,959
Speaker 2: not going to be denied.

586
00:25:32,080 --> 00:25:32,240
Speaker 6: Right.

587
00:25:32,640 --> 00:25:34,439
Speaker 2: But I just had to clear the way so he

588
00:25:34,480 --> 00:25:36,040
Speaker 2: can just focus on what he had to focus on.

589
00:25:36,240 --> 00:25:38,520
Speaker 2: And I'm proud man, because we took that to you know,

590
00:25:38,520 --> 00:25:40,399
Speaker 2: we went from thirty two hundred dollars to you know

591
00:25:40,480 --> 00:25:43,320
Speaker 2: to you know, sixty million, right, so it was the

592
00:25:43,320 --> 00:25:43,920
Speaker 2: hell of a run.

593
00:25:44,000 --> 00:25:45,280
Speaker 5: So when you was just starting out and you was

594
00:25:45,320 --> 00:25:48,160
Speaker 5: actually managing the clients, were you what were you doing?

595
00:25:48,200 --> 00:25:50,800
Speaker 5: You were doing investment advising or you were doing insurance,

596
00:25:50,920 --> 00:25:52,760
Speaker 5: you were doing in states? Like what were you actually

597
00:25:52,840 --> 00:25:53,600
Speaker 5: doing yourself?

598
00:25:53,800 --> 00:25:56,000
Speaker 2: Yeah, so we were so yeah, when I when I

599
00:25:56,040 --> 00:25:57,560
Speaker 2: first started, you got to wear all the hats, you

600
00:25:57,560 --> 00:26:00,760
Speaker 2: know what I mean. So, so you know, all the bookkeeping,

601
00:26:00,840 --> 00:26:05,160
Speaker 2: all the counting, all the insurance planning, you know, state planning,

602
00:26:06,119 --> 00:26:08,639
Speaker 2: you know, you know, you know everything you do as

603
00:26:08,680 --> 00:26:10,760
Speaker 2: a as a as a as a financial planner. But

604
00:26:10,800 --> 00:26:13,320
Speaker 2: then also stuff that's not even your job description, right,

605
00:26:13,440 --> 00:26:16,800
Speaker 2: bucket flights, concierge, you know, just like whatever they needed

606
00:26:16,800 --> 00:26:18,760
Speaker 2: you wanted to you, you wanted you, you had to

607
00:26:18,800 --> 00:26:19,240
Speaker 2: serve them.

608
00:26:19,920 --> 00:26:22,800
Speaker 3: And as as as as.

609
00:26:22,640 --> 00:26:24,560
Speaker 2: A firm grew, then you you brought on more, you know,

610
00:26:24,600 --> 00:26:26,480
Speaker 2: you brought on more people to kind of help you, right,

611
00:26:26,680 --> 00:26:28,840
Speaker 2: but initially you had to you got to wear all

612
00:26:28,840 --> 00:26:30,000
Speaker 2: the hats, you know.

613
00:26:30,359 --> 00:26:32,479
Speaker 7: So, as you said, as the firm grew, So at

614
00:26:32,480 --> 00:26:35,240
Speaker 7: what point how many clients was it was like a

615
00:26:35,240 --> 00:26:37,200
Speaker 7: specific number, like I got five clients, We got to

616
00:26:37,240 --> 00:26:39,000
Speaker 7: hire somebody else. How are you How did you scale

617
00:26:39,040 --> 00:26:41,400
Speaker 7: it to add people to work with you to help

618
00:26:41,400 --> 00:26:42,560
Speaker 7: out with these these rules.

619
00:26:42,600 --> 00:26:44,400
Speaker 3: It's a gut feel, you know what I mean.

620
00:26:44,440 --> 00:26:46,679
Speaker 2: And also sometimes you you're taking on more than you

621
00:26:46,680 --> 00:26:48,960
Speaker 2: can afford, just hoping through God's grace, you know what

622
00:26:49,000 --> 00:26:52,240
Speaker 2: I'm saying, because like, but also people believe in you

623
00:26:52,280 --> 00:26:55,120
Speaker 2: along the way, right, So you're like my brother Tony,

624
00:26:55,160 --> 00:26:57,640
Speaker 2: who you guys know, I was mentoring him for for

625
00:26:57,640 --> 00:26:58,560
Speaker 2: for a long time.

626
00:26:58,560 --> 00:27:00,000
Speaker 6: And that's fun, he said, he mentored you.

627
00:27:00,000 --> 00:27:04,760
Speaker 3: Here's what he's saying. I'm Joe, so he teaches me

628
00:27:04,800 --> 00:27:05,600
Speaker 3: things every day.

629
00:27:05,720 --> 00:27:08,240
Speaker 2: But you know, I love I love our story because

630
00:27:08,320 --> 00:27:10,840
Speaker 2: for you asked, Like, when I met Tony, he was,

631
00:27:11,320 --> 00:27:13,360
Speaker 2: you know, he was already like you know, doing sports management,

632
00:27:13,440 --> 00:27:16,000
Speaker 2: working the law firm, making six figures, really successful, and

633
00:27:16,040 --> 00:27:17,840
Speaker 2: I was mentoring him every step of the way to

634
00:27:17,880 --> 00:27:19,879
Speaker 2: make sure that he was making the right decisions to

635
00:27:19,920 --> 00:27:22,760
Speaker 2: be successful in sports. And then but the whole time,

636
00:27:22,800 --> 00:27:24,000
Speaker 2: in the back of my mind, I knew I was

637
00:27:24,000 --> 00:27:25,560
Speaker 2: just grooming him to come to, you know, to come

638
00:27:25,560 --> 00:27:25,880
Speaker 2: be my.

639
00:27:25,800 --> 00:27:26,720
Speaker 3: Head of sports, right.

640
00:27:26,840 --> 00:27:27,720
Speaker 6: Yeah.

641
00:27:28,280 --> 00:27:30,719
Speaker 2: And so when I was finally ready to to make

642
00:27:30,800 --> 00:27:33,560
Speaker 2: him a job offer, I said, hey, listen, I want

643
00:27:33,600 --> 00:27:35,440
Speaker 2: you to come and I want you to come join

644
00:27:35,440 --> 00:27:36,000
Speaker 2: a lifeline.

645
00:27:36,040 --> 00:27:38,119
Speaker 3: But I'm not paying you that six figures. You know

646
00:27:38,160 --> 00:27:38,520
Speaker 3: what I'm saying.

647
00:27:38,520 --> 00:27:41,760
Speaker 2: I'm gonna pay you three thousand dollars a month ten

648
00:27:41,840 --> 00:27:43,960
Speaker 2: ninety nine. By the way, so don't don't talk about

649
00:27:43,960 --> 00:27:47,040
Speaker 2: benefitsta oh. And by the way, that nice condo that

650
00:27:47,080 --> 00:27:48,920
Speaker 2: you have, you gotta, you gotta when the lease is over,

651
00:27:49,080 --> 00:27:51,119
Speaker 2: you gotta move in, you know, with your parents, you

652
00:27:51,160 --> 00:27:52,399
Speaker 2: know what I mean. But if you give me like

653
00:27:52,440 --> 00:27:55,160
Speaker 2: three years, I think we can do something really special. Right,

654
00:27:56,520 --> 00:27:58,399
Speaker 2: And you know, he went home. I had I remember,

655
00:27:58,400 --> 00:28:00,520
Speaker 2: I had to drive to his dad's house and you

656
00:28:00,520 --> 00:28:03,640
Speaker 2: know these are these are African father, his African father,

657
00:28:03,720 --> 00:28:06,199
Speaker 2: and tell tell his dad why I'm taking his son

658
00:28:06,200 --> 00:28:09,480
Speaker 2: away from the successful path to move back home. But

659
00:28:09,480 --> 00:28:11,960
Speaker 2: but he believed in me, right, and he joined the firm,

660
00:28:11,960 --> 00:28:13,960
Speaker 2: and I paid him what I could. And many people

661
00:28:14,000 --> 00:28:16,000
Speaker 2: did that, Like I had people that I really respected

662
00:28:16,000 --> 00:28:19,760
Speaker 2: that left, like their CPA jobs, left their financial plan

663
00:28:19,840 --> 00:28:23,200
Speaker 2: whatever they were to come take half money half half,

664
00:28:23,280 --> 00:28:26,360
Speaker 2: you know, to kind of like take sixty percent pay

665
00:28:26,359 --> 00:28:28,960
Speaker 2: cuts whatever it may take to join this mission that

666
00:28:28,960 --> 00:28:31,760
Speaker 2: we were on. And uh, and I think some of

667
00:28:31,880 --> 00:28:35,560
Speaker 2: my greatest some I think sometimes my greatest joy is

668
00:28:35,640 --> 00:28:37,520
Speaker 2: knowing that we were you know that I that we

669
00:28:37,520 --> 00:28:38,520
Speaker 2: we did it, you know what I mean?

670
00:28:38,560 --> 00:28:41,840
Speaker 3: And uh, and all of those sacrifices wasn't for nothing.

671
00:28:42,360 --> 00:28:46,320
Speaker 5: So now you have, like I said, fifty people that work.

672
00:28:46,680 --> 00:28:49,280
Speaker 5: So you said you was telling me off air. Yeah,

673
00:28:49,360 --> 00:28:52,400
Speaker 5: when a client comes, they get put with a team, right,

674
00:28:52,760 --> 00:28:55,960
Speaker 5: the financial planning team. So I'm gonna talk about this, Yeah,

675
00:28:55,960 --> 00:28:57,800
Speaker 5: because people can have a team even if they're not

676
00:28:57,840 --> 00:28:59,680
Speaker 5: with like a firm. They can have different people in

677
00:28:59,720 --> 00:29:02,400
Speaker 5: their life. So what is a team that a client

678
00:29:02,440 --> 00:29:03,960
Speaker 5: gets when they come to your firm?

679
00:29:04,320 --> 00:29:04,840
Speaker 3: Yeah, it was.

680
00:29:04,880 --> 00:29:07,360
Speaker 2: It was very important for me to build like like

681
00:29:09,160 --> 00:29:10,880
Speaker 2: it was very important for me to have people around

682
00:29:10,880 --> 00:29:15,160
Speaker 2: the family that are experts and superstars at what they do.

683
00:29:15,880 --> 00:29:17,800
Speaker 2: Because as you know, like we all have strengths as

684
00:29:18,240 --> 00:29:19,200
Speaker 2: financial professionals.

685
00:29:19,280 --> 00:29:21,560
Speaker 5: Right, so what we say your strength was or is.

686
00:29:21,880 --> 00:29:26,280
Speaker 2: My strength is like from an investment perspective, investing, that's

687
00:29:26,280 --> 00:29:30,760
Speaker 2: not really my strength. But then also like I have

688
00:29:30,840 --> 00:29:34,440
Speaker 2: the power to influence behavior. Like That's what separates me

689
00:29:34,480 --> 00:29:36,520
Speaker 2: from any other advisors in the world, is like, ah,

690
00:29:37,000 --> 00:29:40,520
Speaker 2: I can influence behavior, So I can help a client

691
00:29:41,160 --> 00:29:43,920
Speaker 2: like I can I can get the best out of

692
00:29:43,960 --> 00:29:45,760
Speaker 2: each client, like they'll get I'll get them to a

693
00:29:45,800 --> 00:29:48,440
Speaker 2: point they will give me the very best of them. Right,

694
00:29:48,480 --> 00:29:51,040
Speaker 2: and then when when I can influence that behavior, then

695
00:29:51,040 --> 00:29:53,959
Speaker 2: we have a real chance at the investments.

696
00:29:53,480 --> 00:29:55,920
Speaker 6: And the strategies change the mindset.

697
00:29:56,000 --> 00:29:58,360
Speaker 2: Yeah, exactly, because because you know, I always say, first

698
00:29:58,400 --> 00:30:01,160
Speaker 2: your form habits and habits from you and finance is

699
00:30:01,200 --> 00:30:02,880
Speaker 2: behavioral right, it's not.

700
00:30:03,720 --> 00:30:04,880
Speaker 3: You know, you can you can.

701
00:30:04,800 --> 00:30:09,240
Speaker 2: Give people the tools, but if but if spiritually mentally, like,

702
00:30:09,280 --> 00:30:11,240
Speaker 2: if they're not, if they're not at a certain point,

703
00:30:11,480 --> 00:30:12,720
Speaker 2: the medicine is not gonna work.

704
00:30:12,880 --> 00:30:13,080
Speaker 5: Right.

705
00:30:14,120 --> 00:30:15,840
Speaker 2: So I think my greatest strength is I can I

706
00:30:15,840 --> 00:30:18,200
Speaker 2: can influence behavior. You know, And and I learned earlier

707
00:30:18,200 --> 00:30:20,280
Speaker 2: that people don't care how much you know until they

708
00:30:20,320 --> 00:30:22,320
Speaker 2: know how much you care. Right, And so if you

709
00:30:22,520 --> 00:30:25,280
Speaker 2: if we spend enough time, we spend enough time and

710
00:30:25,360 --> 00:30:28,080
Speaker 2: usually go okay, humble, really chasma best interest to heart,

711
00:30:28,520 --> 00:30:29,760
Speaker 2: I can influence.

712
00:30:29,280 --> 00:30:30,920
Speaker 3: Behavior which leads us to our goals.

713
00:30:31,000 --> 00:30:31,160
Speaker 5: Right.

714
00:30:31,240 --> 00:30:33,720
Speaker 2: So, but I like to build a team where you

715
00:30:33,800 --> 00:30:36,560
Speaker 2: have a CFP, a certified financial planner, and this person's

716
00:30:36,760 --> 00:30:40,880
Speaker 2: uh really really skilled in all the tenets of finance, right,

717
00:30:40,960 --> 00:30:43,160
Speaker 2: and they can be the quarterback to oversee the whole empire.

718
00:30:43,880 --> 00:30:46,680
Speaker 2: Then then I have a c P A two for

719
00:30:46,720 --> 00:30:50,160
Speaker 2: that particular family. The CPA is really trained in tax planning, auditing,

720
00:30:50,240 --> 00:30:51,960
Speaker 2: and accounting, so we want to know where every single

721
00:30:52,000 --> 00:30:54,640
Speaker 2: pini is going and why, right and uh NBA that

722
00:30:54,680 --> 00:30:56,840
Speaker 2: way A see if the CFP has the best numbers

723
00:30:56,880 --> 00:30:58,520
Speaker 2: to plan for. Then you're also going to have a

724
00:30:58,600 --> 00:31:02,240
Speaker 2: lawyer and this always plays like a general concert for

725
00:31:02,320 --> 00:31:04,560
Speaker 2: the family and you know and interacts with you know,

726
00:31:04,600 --> 00:31:06,320
Speaker 2: other lawyers you may have on your team, whatever the

727
00:31:06,360 --> 00:31:08,480
Speaker 2: case may be. But having somebody who's always thinking legally

728
00:31:08,520 --> 00:31:11,280
Speaker 2: about every decision that you're making, because preventative law is

729
00:31:11,280 --> 00:31:13,640
Speaker 2: better than post law, right. And then you have a

730
00:31:14,720 --> 00:31:18,760
Speaker 2: charter financial analyst, you know CFA, and this person is brilliant.

731
00:31:18,760 --> 00:31:21,840
Speaker 3: At at at portfolio construction, you.

732
00:31:21,840 --> 00:31:23,320
Speaker 2: Know what I mean, And that's and that's what their

733
00:31:23,360 --> 00:31:26,560
Speaker 2: passion is. And so when I'm doing a podcast with you, gentlemen,

734
00:31:26,640 --> 00:31:28,400
Speaker 2: I have I have a team that's actually watching the

735
00:31:28,480 --> 00:31:31,480
Speaker 2: markets right to make sure that their plans are going great.

736
00:31:31,760 --> 00:31:34,240
Speaker 2: And then then you also have your manager, right your

737
00:31:34,520 --> 00:31:36,920
Speaker 2: your day to day person who is just there when

738
00:31:36,920 --> 00:31:40,080
Speaker 2: life happens, you know what I'm saying. So what they're

739
00:31:40,080 --> 00:31:41,680
Speaker 2: always on the ground with you to make sure that

740
00:31:42,480 --> 00:31:45,560
Speaker 2: the make sure that the client can focus on the

741
00:31:45,680 --> 00:31:48,520
Speaker 2: vital on the vital few while we take care of

742
00:31:48,560 --> 00:31:50,520
Speaker 2: like the trivial many if that makes sense.

743
00:31:50,600 --> 00:31:53,520
Speaker 5: So to see the c FA, their job, like you said,

744
00:31:53,600 --> 00:31:55,520
Speaker 5: is actually putting together like a portfolio.

745
00:31:56,040 --> 00:31:57,720
Speaker 3: You're just being really brain and constructing it.

746
00:31:57,800 --> 00:31:58,000
Speaker 5: Yeah.

747
00:31:58,040 --> 00:32:00,320
Speaker 2: And and the whole team works together, right, The team

748
00:32:00,320 --> 00:32:03,000
Speaker 2: works together because the c P, as the CPA is

749
00:32:03,040 --> 00:32:05,120
Speaker 2: given a CFP the best numbers, right, so we know

750
00:32:05,160 --> 00:32:07,960
Speaker 2: exactly what's going on. The CFP is putting together the

751
00:32:07,960 --> 00:32:12,280
Speaker 2: CFPCE looking at the whole wealth, the whole wealth holistically, right.

752
00:32:12,360 --> 00:32:16,200
Speaker 2: Insurance isial financial plan holistically. But then then you have

753
00:32:16,240 --> 00:32:18,400
Speaker 2: somebody who's surgical, and all they care about is making

754
00:32:18,440 --> 00:32:20,680
Speaker 2: sure that whatever whatever the plan, whatever the goals for

755
00:32:20,720 --> 00:32:25,160
Speaker 2: that plan is, our investment in our asset allocation is responding.

756
00:32:24,680 --> 00:32:25,720
Speaker 3: To that, to that plan.

757
00:32:27,040 --> 00:32:29,160
Speaker 2: And so you have you have people in each lane

758
00:32:29,360 --> 00:32:32,560
Speaker 2: where that's what they've mastered and then together there's no

759
00:32:32,640 --> 00:32:33,520
Speaker 2: holes on a team.

760
00:32:34,200 --> 00:32:36,840
Speaker 7: So another part of the team with lawyers. Correct, So like,

761
00:32:36,960 --> 00:32:39,880
Speaker 7: what what type of law are you assigning to each

762
00:32:39,920 --> 00:32:42,000
Speaker 7: one of these circles? What type of practice?

763
00:32:42,160 --> 00:32:44,600
Speaker 2: General kind of want to you want to have a

764
00:32:44,680 --> 00:32:48,000
Speaker 2: lawyer who's very dangerous, like a general concert for the family,

765
00:32:48,280 --> 00:32:51,600
Speaker 2: and then when specific things come up, maybe you know,

766
00:32:52,120 --> 00:32:54,520
Speaker 2: litigation and stuff like that, then they can run point,

767
00:32:54,680 --> 00:32:56,640
Speaker 2: find the right legal team and run point and all that.

768
00:32:56,680 --> 00:32:58,160
Speaker 2: But if you have a lawyer next to you who

769
00:32:58,200 --> 00:33:01,720
Speaker 2: just keep the lead, go builds down. But also the

770
00:33:01,760 --> 00:33:03,800
Speaker 2: things that we can tackle we can tackle right, and

771
00:33:03,800 --> 00:33:05,440
Speaker 2: then the things that we have to outsource legal, we

772
00:33:05,440 --> 00:33:07,720
Speaker 2: can outsource legally. But it's very very important for my

773
00:33:07,960 --> 00:33:11,080
Speaker 2: for me to have lawyers in house that are that

774
00:33:11,120 --> 00:33:13,680
Speaker 2: are that I that are dealing with the client day

775
00:33:13,720 --> 00:33:14,000
Speaker 2: to day.

776
00:33:14,280 --> 00:33:16,920
Speaker 5: You have like the general it's like a doctor general practitioner.

777
00:33:17,240 --> 00:33:19,640
Speaker 5: And then if they need somebody that's like in the

778
00:33:19,800 --> 00:33:24,360
Speaker 5: entertainment space specifically, then that lawyer can recommend another lawyer.

779
00:33:25,000 --> 00:33:28,480
Speaker 2: Specifically specifically for that lady that can collaborate like trust exactly.

780
00:33:28,560 --> 00:33:29,680
Speaker 2: I'm big on collaborations.

781
00:33:29,760 --> 00:33:32,440
Speaker 3: I'm big. Yeah, you know what I'm saying.

782
00:33:32,440 --> 00:33:35,200
Speaker 2: So like you know, so like a lot of our lawyers,

783
00:33:35,840 --> 00:33:39,200
Speaker 2: they have great backgrounds and in structuring private equity deals

784
00:33:39,200 --> 00:33:42,600
Speaker 2: and structuring endorsement deals. I have to do equity financial

785
00:33:42,880 --> 00:33:45,440
Speaker 2: But hey, if you need a if you need a litigator, you.

786
00:33:45,480 --> 00:33:45,880
Speaker 3: Know what I mean.

787
00:33:45,960 --> 00:33:48,479
Speaker 2: That's not We'll find the right person, will collaborate, but

788
00:33:48,520 --> 00:33:50,640
Speaker 2: you always have somebody with you that's running point on

789
00:33:50,680 --> 00:33:54,360
Speaker 2: those on those discussions and uh and protecting the family.

790
00:33:54,680 --> 00:33:56,320
Speaker 3: So I try to, I try to, I try to,

791
00:33:56,720 --> 00:33:57,240
Speaker 3: I try to pull.

792
00:33:57,360 --> 00:33:59,360
Speaker 2: I try to put together like a real business team

793
00:34:00,120 --> 00:34:04,360
Speaker 2: around these families and then collaborate with other great minds

794
00:34:04,400 --> 00:34:05,120
Speaker 2: to get the job done.

795
00:34:05,280 --> 00:34:07,520
Speaker 6: So you build this this circle around the family.

796
00:34:07,840 --> 00:34:09,640
Speaker 7: But you said one of the biggest threats to wealth

797
00:34:10,160 --> 00:34:14,120
Speaker 7: is generosity and making sure that this boundary.

798
00:34:13,800 --> 00:34:17,279
Speaker 6: Set for the outside people. Yeah, so how does that work? Right?

799
00:34:17,320 --> 00:34:19,719
Speaker 6: Because you make money and accumulate.

800
00:34:19,760 --> 00:34:23,080
Speaker 7: You've come from low income, right, and you've now made money.

801
00:34:24,080 --> 00:34:26,600
Speaker 6: Is that guilt that survivors remorse? Right? I got to

802
00:34:26,600 --> 00:34:27,359
Speaker 6: help everybody else.

803
00:34:27,400 --> 00:34:30,600
Speaker 7: So how does the team tell the actual family members

804
00:34:30,640 --> 00:34:32,520
Speaker 7: and friends who've grown up with you, now here are

805
00:34:32,520 --> 00:34:34,920
Speaker 7: the boundaries? Or tell that the athlete or entertainer, here

806
00:34:34,920 --> 00:34:36,200
Speaker 7: are the boundaries that are set for you, and you

807
00:34:36,280 --> 00:34:37,080
Speaker 7: got to stick to them.

808
00:34:37,160 --> 00:34:40,680
Speaker 2: Yeah, great question, you know, and you know I understand

809
00:34:40,680 --> 00:34:42,799
Speaker 2: the survivors go deeply, you know what I mean talking

810
00:34:42,840 --> 00:34:45,160
Speaker 2: to a man who's lost his entire family, right, my father,

811
00:34:45,280 --> 00:34:47,920
Speaker 2: my mother, my sisters, my siblings, everybody.

812
00:34:48,000 --> 00:34:48,160
Speaker 5: Right.

813
00:34:48,440 --> 00:34:52,520
Speaker 2: So then you make it and you become you know,

814
00:34:52,600 --> 00:34:56,280
Speaker 2: whatever people define as success. You know, you're a multi millionaire,

815
00:34:57,719 --> 00:34:59,880
Speaker 2: and you do feel and I feel in my heart

816
00:35:00,080 --> 00:35:00,600
Speaker 2: hearts is.

817
00:35:03,160 --> 00:35:05,120
Speaker 3: You got to help because so many people helped you

818
00:35:05,160 --> 00:35:05,560
Speaker 3: get here.

819
00:35:05,640 --> 00:35:05,799
Speaker 6: Right.

820
00:35:06,640 --> 00:35:10,279
Speaker 2: So I understand these clients at a level that that

821
00:35:11,120 --> 00:35:13,839
Speaker 2: I understand them intricately because I'm going through the same thing.

822
00:35:14,040 --> 00:35:15,840
Speaker 2: You know, I'm the I'm the person in my family

823
00:35:15,840 --> 00:35:19,000
Speaker 2: that's done that, right, And I think sometimes what people

824
00:35:19,040 --> 00:35:21,319
Speaker 2: say is like watch out for your family, watch out

825
00:35:21,360 --> 00:35:24,600
Speaker 2: for your family, right, And this is it's so disrespectful

826
00:35:24,640 --> 00:35:27,560
Speaker 2: to the family. It's very disrespectful to the family, right,

827
00:35:27,560 --> 00:35:29,880
Speaker 2: because you are actual people in your life, man, that

828
00:35:30,000 --> 00:35:32,759
Speaker 2: sacrifice for you to get there, you know what I'm saying.

829
00:35:32,880 --> 00:35:35,360
Speaker 2: And I hate when these rookies go to like nfls

830
00:35:35,360 --> 00:35:37,879
Speaker 2: and posions and based posions and they tell they tell them,

831
00:35:37,960 --> 00:35:39,640
Speaker 2: but watch out for your mom, you know, watch out

832
00:35:39,680 --> 00:35:41,719
Speaker 2: for your uncles. But you know these people actually pay

833
00:35:41,800 --> 00:35:44,239
Speaker 2: for your little league. So so so these people like

834
00:35:44,280 --> 00:35:46,120
Speaker 2: you know, we come from a community man that's helped.

835
00:35:45,920 --> 00:35:47,600
Speaker 3: To get what we're supposed to go. So for me,

836
00:35:47,640 --> 00:35:50,160
Speaker 3: the key is to sit down with the family.

837
00:35:50,200 --> 00:35:52,799
Speaker 2: And I call it like family governance, right, sit down

838
00:35:52,800 --> 00:35:56,440
Speaker 2: with the family and and and and and like put

839
00:35:56,480 --> 00:35:58,640
Speaker 2: together a strategy for the people. It's like, you can't

840
00:35:58,680 --> 00:36:01,080
Speaker 2: take everybody with you, but who are the vital people?

841
00:36:01,400 --> 00:36:04,160
Speaker 2: And how we put together plan for all of them?

842
00:36:03,640 --> 00:36:03,759
Speaker 7: Right?

843
00:36:04,400 --> 00:36:06,719
Speaker 2: And then they're gonna have to be patient. What you

844
00:36:06,760 --> 00:36:09,239
Speaker 2: can do year one is gonna be drastically different than

845
00:36:09,280 --> 00:36:12,160
Speaker 2: what you can do year ten, Right, But you need

846
00:36:12,160 --> 00:36:14,200
Speaker 2: to think about them too. And as you get old

847
00:36:14,239 --> 00:36:15,719
Speaker 2: and as you get as you can become more and

848
00:36:15,719 --> 00:36:18,200
Speaker 2: more seasoned, you're helping them, but you also putting them

849
00:36:18,239 --> 00:36:21,200
Speaker 2: in position where they can fly on their own, you

850
00:36:21,239 --> 00:36:23,640
Speaker 2: know what I'm saying. And so for me, I'm big

851
00:36:23,680 --> 00:36:25,759
Speaker 2: gonna bring in the family, the family with you and

852
00:36:25,760 --> 00:36:29,200
Speaker 2: the people that that that that that helped you, but

853
00:36:29,320 --> 00:36:31,440
Speaker 2: coming up with clear ways to make sure that the

854
00:36:31,680 --> 00:36:33,799
Speaker 2: because if the tree can get strong, they know the

855
00:36:33,840 --> 00:36:36,279
Speaker 2: branches can flourish, right, So you got to get the

856
00:36:36,280 --> 00:36:38,279
Speaker 2: family to give the time for the tree to get

857
00:36:38,320 --> 00:36:41,000
Speaker 2: really really strong, But those branches need to flourish as well.

858
00:36:41,360 --> 00:36:42,000
Speaker 6: That's important.

859
00:36:42,000 --> 00:36:44,160
Speaker 7: I mean, I don't think I've ever heard somebody speak

860
00:36:44,239 --> 00:36:46,759
Speaker 7: on that like in that terms. It was like, if

861
00:36:46,800 --> 00:36:48,360
Speaker 7: I can make sure that the family straight, they're going

862
00:36:48,400 --> 00:36:50,279
Speaker 7: to make sure that the person that's generating the wealthy

863
00:36:50,320 --> 00:36:51,840
Speaker 7: street so key ringing the planet.

864
00:36:51,880 --> 00:36:52,839
Speaker 6: Like I know, we grew up.

865
00:36:52,760 --> 00:36:54,680
Speaker 7: In and we talked about the iverson story, right, and

866
00:36:54,719 --> 00:36:56,839
Speaker 7: it was like, wait, how did he squander all that?

867
00:36:56,840 --> 00:36:57,000
Speaker 5: Well?

868
00:36:57,040 --> 00:36:58,880
Speaker 7: He was taking care of a lot of people that

869
00:36:58,920 --> 00:37:01,640
Speaker 7: were around him, extended family at that, but not having

870
00:37:01,640 --> 00:37:02,279
Speaker 7: a plan for them.

871
00:37:02,280 --> 00:37:05,400
Speaker 2: It could close him absolutely. And everybody can't go, you

872
00:37:05,480 --> 00:37:07,960
Speaker 2: know what I mean, everybody can go. Everybody can't go

873
00:37:08,160 --> 00:37:11,239
Speaker 2: so and not ever needs to go. But there are

874
00:37:11,320 --> 00:37:14,360
Speaker 2: people in your life, man that if it wasn't for them,

875
00:37:14,760 --> 00:37:16,640
Speaker 2: there's no way you be where you are. And there's

876
00:37:16,640 --> 00:37:19,239
Speaker 2: a humility that comes from honoring that, you know what

877
00:37:19,239 --> 00:37:21,239
Speaker 2: I'm saying. Before I ever bought a home, before I

878
00:37:21,239 --> 00:37:23,200
Speaker 2: ever bought a car, before I ever spent any of

879
00:37:23,200 --> 00:37:24,439
Speaker 2: the money I have ever made.

880
00:37:24,640 --> 00:37:25,600
Speaker 3: I retired my aunt.

881
00:37:25,800 --> 00:37:28,360
Speaker 2: You know who's the last surviving sibling on my dad's side,

882
00:37:28,480 --> 00:37:31,279
Speaker 2: Because when my parents got sick and I lost everything, Man,

883
00:37:31,320 --> 00:37:34,359
Speaker 2: this woman prayed for me every single day. I mean,

884
00:37:34,400 --> 00:37:36,200
Speaker 2: she will send me five bucks when I could when

885
00:37:36,200 --> 00:37:38,480
Speaker 2: I didn't have thirty dollars in my account.

886
00:37:38,719 --> 00:37:39,440
Speaker 3: You know what I'm saying.

887
00:37:39,440 --> 00:37:42,480
Speaker 2: Like she she will go clean homes and then like

888
00:37:42,800 --> 00:37:44,279
Speaker 2: you know, take me to TJ Max to get a

889
00:37:44,320 --> 00:37:45,759
Speaker 2: shirt so I don't have to wear the same things

890
00:37:45,800 --> 00:37:49,759
Speaker 2: to school. I remember all of that, right, So you

891
00:37:50,360 --> 00:37:54,560
Speaker 2: fully can't. You can't be blessed and not be a blessing.

892
00:37:55,640 --> 00:37:57,680
Speaker 2: But how you do it? You know what I mean

893
00:37:57,880 --> 00:38:00,520
Speaker 2: is what's the phrase those that are able to build

894
00:38:00,640 --> 00:38:04,120
Speaker 2: wealth and those who squander? It's how you do it right?

895
00:38:04,239 --> 00:38:06,239
Speaker 2: And so I told them, I tell them, and I

896
00:38:06,320 --> 00:38:07,920
Speaker 2: hate to use the world clients, but I tell all

897
00:38:07,960 --> 00:38:12,960
Speaker 2: these families I'm lucky to represent, you know, just call me,

898
00:38:13,200 --> 00:38:15,000
Speaker 2: let me, let me, let me put together the plan,

899
00:38:15,160 --> 00:38:16,759
Speaker 2: let me be the bad guy, let me let me

900
00:38:16,840 --> 00:38:17,320
Speaker 2: do everything.

901
00:38:17,400 --> 00:38:19,560
Speaker 3: But the people that are vital, they got to come

902
00:38:19,640 --> 00:38:19,840
Speaker 3: with you.

903
00:38:20,440 --> 00:38:23,200
Speaker 2: Because success is a might being on a hill by

904
00:38:23,239 --> 00:38:25,480
Speaker 2: yourself anyway, so you can there's a way you can

905
00:38:25,520 --> 00:38:27,920
Speaker 2: get everybody up there with you, but you but it

906
00:38:28,000 --> 00:38:30,239
Speaker 2: takes time and everybody has to buy into the plan.

907
00:38:31,080 --> 00:38:34,160
Speaker 5: So let's talk about this financial planning team again. I

908
00:38:34,200 --> 00:38:35,439
Speaker 5: want to get back to this because I think there's

909
00:38:35,480 --> 00:38:38,399
Speaker 5: there's lessons for average person where Yeah, it's like people

910
00:38:38,440 --> 00:38:40,719
Speaker 5: will say, okay, well, obviously if you lines are ball,

911
00:38:40,760 --> 00:38:42,439
Speaker 5: you can afford to have you know, all the different people.

912
00:38:42,440 --> 00:38:44,480
Speaker 5: But just the average person, it's like you can have

913
00:38:44,640 --> 00:38:47,040
Speaker 5: you know, an accountant as somebody that's doing your taxes,

914
00:38:47,719 --> 00:38:50,080
Speaker 5: somebody that you know if you work with a financial

915
00:38:50,120 --> 00:38:51,880
Speaker 5: advisor and they can you know, help you with like

916
00:38:52,000 --> 00:38:54,600
Speaker 5: investing or insurance and stuff like that. And then a

917
00:38:54,719 --> 00:38:56,839
Speaker 5: lawyer you know to help you know what it will.

918
00:38:57,040 --> 00:38:58,640
Speaker 5: You don't have to be rich to have that, but

919
00:38:58,800 --> 00:39:01,360
Speaker 5: it's important to have different people in place. Yeah, So

920
00:39:01,960 --> 00:39:04,120
Speaker 5: I say that to say, we just asked about a

921
00:39:04,120 --> 00:39:07,200
Speaker 5: couple of different areas of that. So like from the

922
00:39:07,360 --> 00:39:12,279
Speaker 5: tax planning standpoint, right, what are some things that like

923
00:39:12,400 --> 00:39:14,640
Speaker 5: from your clients that like if you get a client

924
00:39:14,719 --> 00:39:16,920
Speaker 5: and you'll do like an audit that you see, like

925
00:39:17,320 --> 00:39:19,880
Speaker 5: there's mistakes that were made or like things that are

926
00:39:19,960 --> 00:39:23,600
Speaker 5: common mistakes, but like athletes are entertainers that they're not

927
00:39:24,000 --> 00:39:26,560
Speaker 5: taking full advantage of the tax law. Like you know,

928
00:39:26,600 --> 00:39:28,360
Speaker 5: what is some of your CPA's doing to kind of

929
00:39:28,400 --> 00:39:29,520
Speaker 5: help your clients out with that?

930
00:39:29,840 --> 00:39:32,960
Speaker 2: You know, the the athletes and the tenners are extremely

931
00:39:33,000 --> 00:39:36,960
Speaker 2: extremely complicated. That's why I have like tax a tax department,

932
00:39:37,080 --> 00:39:39,719
Speaker 2: tax experts because these guys are paying taxes and never

933
00:39:39,800 --> 00:39:42,160
Speaker 2: placed in every city that they're in states that they're playing.

934
00:39:42,280 --> 00:39:45,560
Speaker 3: You know the city tax, you got state, you got

935
00:39:45,560 --> 00:39:47,399
Speaker 3: city tax tax at jock tax.

936
00:39:47,800 --> 00:39:50,160
Speaker 2: These things are complicated. You said tax, You see an

937
00:39:50,160 --> 00:39:52,720
Speaker 2: athlete's tax return earners?

938
00:39:52,719 --> 00:39:53,080
Speaker 6: What's up?

939
00:39:53,200 --> 00:39:55,600
Speaker 7: You ever walk into a small business and everything just

940
00:39:55,840 --> 00:39:58,480
Speaker 7: works like the checkout is fast, there are seats of

941
00:39:58,560 --> 00:40:02,200
Speaker 7: digital tipping is a breeze, and you're out the door

942
00:40:02,239 --> 00:40:06,080
Speaker 7: before the line even builds. Odds are they're using Square?

943
00:40:06,600 --> 00:40:09,160
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944
00:40:09,280 --> 00:40:12,200
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945
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Speaker 7: vendor at a pop up market, or even one of

946
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Speaker 7: our merch partners. Square makes it easy for them to

947
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948
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949
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Speaker 7: or even just thinking about launching something soon, Square is

950
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Speaker 7: hands down one of the best tools out there to

951
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952
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953
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954
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955
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956
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957
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958
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Speaker 6: Easy?

973
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974
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976
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977
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979
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981
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982
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983
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984
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985
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986
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987
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Speaker 3: And this link is like this right.

988
00:42:43,640 --> 00:42:45,759
Speaker 2: So it's important to have once again experts in that

989
00:42:45,920 --> 00:42:50,120
Speaker 2: lane that deal with tax strategies every single day. And

990
00:42:50,160 --> 00:42:52,440
Speaker 2: then obviously entertainers, I mean in attenda they don't get

991
00:42:52,480 --> 00:42:54,520
Speaker 2: taxes taken out. Right, So if you do a show,

992
00:42:54,920 --> 00:42:56,680
Speaker 2: if you do a movie and you know you make

993
00:42:56,760 --> 00:42:58,200
Speaker 2: you know, they say they'll give you twenty million, you

994
00:42:58,280 --> 00:43:00,759
Speaker 2: get in a twenty million dollars check. But that check

995
00:43:00,840 --> 00:43:03,239
Speaker 2: has taxes, it has all types of things. Right, So

996
00:43:04,320 --> 00:43:05,880
Speaker 2: I think a lot of people, I think what we

997
00:43:05,920 --> 00:43:07,520
Speaker 2: try to do is make sure first of us up

998
00:43:07,520 --> 00:43:09,560
Speaker 2: the right corporate structure, you know what I mean, and

999
00:43:09,719 --> 00:43:11,040
Speaker 2: try to get a lot you know, try to get

1000
00:43:11,080 --> 00:43:13,319
Speaker 2: your money into a into an entity and not get

1001
00:43:13,400 --> 00:43:15,919
Speaker 2: paid directly, right that because when you put it into

1002
00:43:15,920 --> 00:43:17,480
Speaker 2: a business, you have a lot of bit more freedom

1003
00:43:17,760 --> 00:43:19,120
Speaker 2: for tax write off. It's a lot of bit more

1004
00:43:19,120 --> 00:43:23,480
Speaker 2: freedom for protection from liability. Perspective also meant track every

1005
00:43:23,520 --> 00:43:27,440
Speaker 2: single penny and do and do tax planning throughout the year, right.

1006
00:43:27,520 --> 00:43:29,440
Speaker 2: Don't don't wait until the end of the year and say, oh,

1007
00:43:29,480 --> 00:43:31,600
Speaker 2: either all are receipts you have an accountant is actually

1008
00:43:31,640 --> 00:43:34,680
Speaker 2: tracking every single penny, every single every single month, every

1009
00:43:34,680 --> 00:43:37,440
Speaker 2: single week. That way we are planned. You know, we

1010
00:43:37,480 --> 00:43:40,240
Speaker 2: are maximizing every tax deductions as we as we go forward,

1011
00:43:40,560 --> 00:43:42,360
Speaker 2: I mean, the irs is going to be your number

1012
00:43:42,640 --> 00:43:45,040
Speaker 2: one enemy, you know what I mean, I mean they're

1013
00:43:45,040 --> 00:43:47,040
Speaker 2: coming forward, they coming for fifty percent of your income

1014
00:43:47,080 --> 00:43:49,320
Speaker 2: the stick and you earn it. So you got to

1015
00:43:49,320 --> 00:43:51,360
Speaker 2: be very very detailing you and you and your bookkeeping,

1016
00:43:51,480 --> 00:43:54,719
Speaker 2: your corporate structures, you know, and there's so many there's

1017
00:43:54,719 --> 00:43:57,680
Speaker 2: so many things that you can use as a business

1018
00:43:57,719 --> 00:44:00,880
Speaker 2: expense if you're able to have an set up right

1019
00:44:01,280 --> 00:44:02,880
Speaker 2: that you can't really do if you just if you

1020
00:44:03,080 --> 00:44:06,560
Speaker 2: just a W a W two or just an individual.

1021
00:44:07,440 --> 00:44:09,240
Speaker 2: But it's you got to make sure that you're accounting

1022
00:44:09,280 --> 00:44:11,359
Speaker 2: on your tax team you know, is up on those things.

1023
00:44:11,440 --> 00:44:13,560
Speaker 2: Especially when you start to go into foreign entities as well.

1024
00:44:13,719 --> 00:44:16,120
Speaker 2: It's now you're making money in Peru, you're making money

1025
00:44:16,200 --> 00:44:18,320
Speaker 2: in Canada, you're making money outside of the United States.

1026
00:44:18,600 --> 00:44:20,759
Speaker 3: I mean, the tax structure gets very very, very very.

1027
00:44:20,680 --> 00:44:23,799
Speaker 5: Complissive, especially for artists because like, correct me if I'm wrong.

1028
00:44:23,840 --> 00:44:25,520
Speaker 5: I know, for athletes it might be a little harder

1029
00:44:25,560 --> 00:44:27,960
Speaker 5: because it's like you're getting paid W two, so you're

1030
00:44:27,960 --> 00:44:30,080
Speaker 5: an employee, So it's kind of hard for like to

1031
00:44:30,160 --> 00:44:32,640
Speaker 5: get paid other than that because you're an employee. But

1032
00:44:32,800 --> 00:44:36,120
Speaker 5: for artists or people in the entertainment space, like if

1033
00:44:36,120 --> 00:44:38,400
Speaker 5: you're doing a show, it doesn't necessarily the money doesn't

1034
00:44:38,400 --> 00:44:40,279
Speaker 5: necessarily have to go to you directly. It can go

1035
00:44:40,440 --> 00:44:43,480
Speaker 5: to a c colt. But whatever you're developed. Now it's like,

1036
00:44:43,480 --> 00:44:45,279
Speaker 5: all right, well, all these people that have with me,

1037
00:44:45,400 --> 00:44:47,800
Speaker 5: now I'm actually operating as a business exactly as opposed

1038
00:44:47,840 --> 00:44:50,399
Speaker 5: it's just getting exact exactly Now you can actually take

1039
00:44:50,440 --> 00:44:52,520
Speaker 5: deductions and do it the right way as opposed to

1040
00:44:52,640 --> 00:44:55,919
Speaker 5: just getting a bunch of money in your personal name. Yeah,

1041
00:44:56,040 --> 00:44:57,400
Speaker 5: you know what I mean. It's more flexibility, and I

1042
00:44:57,440 --> 00:44:59,440
Speaker 5: think people don't fully understand that, especially like on the

1043
00:44:59,520 --> 00:45:00,640
Speaker 5: entertainment Yeah.

1044
00:45:00,560 --> 00:45:02,880
Speaker 3: You're absolutely right, you're able to do that.

1045
00:45:02,960 --> 00:45:05,000
Speaker 2: On the athlete side, you can as well, because as

1046
00:45:05,000 --> 00:45:07,120
Speaker 2: you mentioned that, the team is just gonna pay you

1047
00:45:07,280 --> 00:45:09,520
Speaker 2: W two So you don't have a lot of flexibility there.

1048
00:45:09,760 --> 00:45:12,960
Speaker 2: But all of your endorsement income, you know, set up

1049
00:45:12,960 --> 00:45:15,399
Speaker 2: an entity and have all your endorsement income come into

1050
00:45:15,440 --> 00:45:17,520
Speaker 2: that entity and then kind of put the same structure

1051
00:45:17,560 --> 00:45:20,200
Speaker 2: in place on your marketing side, right to.

1052
00:45:20,239 --> 00:45:22,359
Speaker 3: Help you to help you with you know, to help

1053
00:45:22,400 --> 00:45:24,799
Speaker 3: you with that. So there's there's different things, different things

1054
00:45:24,880 --> 00:45:25,160
Speaker 3: you can do.

1055
00:45:26,320 --> 00:45:29,359
Speaker 2: But you know, the key though is is really having

1056
00:45:29,400 --> 00:45:34,160
Speaker 2: a team that you can trust, that can you know

1057
00:45:34,320 --> 00:45:36,520
Speaker 2: that that can really that really knows what they're doing,

1058
00:45:36,600 --> 00:45:38,200
Speaker 2: but really has your best interest to heart.

1059
00:45:39,040 --> 00:45:40,560
Speaker 5: Let me ask you this because we see, especially on

1060
00:45:40,600 --> 00:45:44,440
Speaker 5: the entertainment side, we see Aretha Franklin, we see France,

1061
00:45:44,680 --> 00:45:47,600
Speaker 5: we see Michael Jackson, a bunch of we can go

1062
00:45:48,040 --> 00:45:50,600
Speaker 5: a long list of people that when they died, they

1063
00:45:50,600 --> 00:45:52,279
Speaker 5: don't have a will in place, they don't have a

1064
00:45:52,360 --> 00:45:55,520
Speaker 5: trust in place. So talk about like how important is

1065
00:45:55,600 --> 00:45:58,560
Speaker 5: it to do to the estate planning and like having

1066
00:45:58,600 --> 00:46:00,960
Speaker 5: a will. Educating your clients on why a will is important,

1067
00:46:01,160 --> 00:46:03,720
Speaker 5: why a trust is important to different types of trust,

1068
00:46:03,800 --> 00:46:05,800
Speaker 5: things of that nature. Like you know, when I was

1069
00:46:05,840 --> 00:46:08,160
Speaker 5: in the insurance business, airvocable life insurance trust, you can

1070
00:46:08,200 --> 00:46:10,520
Speaker 5: put the life insurance inside of a trust. Like talk

1071
00:46:10,560 --> 00:46:11,839
Speaker 5: about talk about that a little bit.

1072
00:46:11,760 --> 00:46:16,520
Speaker 2: If you know, it's everybody. Everybody knows how important it

1073
00:46:16,640 --> 00:46:18,799
Speaker 2: is to have a you know, to have a will.

1074
00:46:18,880 --> 00:46:23,120
Speaker 2: And no it's what happens though, because everything is like

1075
00:46:23,680 --> 00:46:27,560
Speaker 2: generational trauma and behavioral it's just hard for our community

1076
00:46:27,640 --> 00:46:30,279
Speaker 2: to think about death. You know what I'm saying, Like

1077
00:46:30,480 --> 00:46:33,800
Speaker 2: it's the fight of my life to get clients to

1078
00:46:33,880 --> 00:46:35,120
Speaker 2: sit down and talk about death.

1079
00:46:35,600 --> 00:46:37,919
Speaker 3: But it comes from a place of so much pain

1080
00:46:38,040 --> 00:46:40,120
Speaker 3: for generation, generations, generations, you see what I mean?

1081
00:46:40,600 --> 00:46:40,920
Speaker 6: And so.

1082
00:46:42,800 --> 00:46:46,040
Speaker 2: And I can honestly say, like when you you know,

1083
00:46:46,160 --> 00:46:48,759
Speaker 2: in our I think in our community, let's take the

1084
00:46:49,400 --> 00:46:51,080
Speaker 2: athletes and entertainers of the rich people out of it.

1085
00:46:51,120 --> 00:46:54,320
Speaker 2: I think the every day to day person needs to

1086
00:46:54,400 --> 00:46:58,800
Speaker 2: have at least a revocable trust and a will period,

1087
00:46:59,120 --> 00:46:59,920
Speaker 2: you know what I mean, the same way you have

1088
00:47:00,080 --> 00:47:01,759
Speaker 2: car insurance, the same way you have you know, you

1089
00:47:01,880 --> 00:47:04,120
Speaker 2: got to have these things. But I'll probably say probably

1090
00:47:05,040 --> 00:47:07,279
Speaker 2: seventy percent. I mean, if you think about your friends

1091
00:47:07,520 --> 00:47:08,799
Speaker 2: that you love, a family members, how many of them

1092
00:47:08,840 --> 00:47:12,640
Speaker 2: really have a vocable trust or will? I'll probably say accent.

1093
00:47:12,400 --> 00:47:13,160
Speaker 3: Room, don't write.

1094
00:47:18,000 --> 00:47:21,960
Speaker 2: And these are like vital, vital, vital vital things because

1095
00:47:23,360 --> 00:47:24,560
Speaker 2: you know, anybody thinks about death.

1096
00:47:24,600 --> 00:47:26,719
Speaker 3: But let's forget death, right, let's just forget.

1097
00:47:26,800 --> 00:47:28,840
Speaker 2: Let's just say you got in a car accident and

1098
00:47:29,840 --> 00:47:32,600
Speaker 2: you are alive but incapacitated to where you can't make

1099
00:47:32,680 --> 00:47:36,840
Speaker 2: certain decisions like who's going to help you, like with

1100
00:47:36,960 --> 00:47:38,160
Speaker 2: your life while you're still living?

1101
00:47:38,280 --> 00:47:40,120
Speaker 3: Maybe, but you can't do it. You know, say you

1102
00:47:40,160 --> 00:47:40,640
Speaker 3: get a comma.

1103
00:47:40,680 --> 00:47:42,640
Speaker 2: You're in a coma for three months, you know what

1104
00:47:42,640 --> 00:47:44,400
Speaker 2: I'm saying, Like, you got to have these power attorneys

1105
00:47:44,440 --> 00:47:46,800
Speaker 2: in place, you got to have your medical power attorneys

1106
00:47:46,840 --> 00:47:50,160
Speaker 2: in place, and you got to have these conversations with

1107
00:47:51,600 --> 00:47:53,840
Speaker 2: your family members, right, so you know who's in position

1108
00:47:54,120 --> 00:47:55,239
Speaker 2: to help you when these things happen.

1109
00:47:55,320 --> 00:47:57,799
Speaker 7: What's that conversation like? Because you say the average age

1110
00:47:57,840 --> 00:48:01,600
Speaker 7: of your clients is like twenty in the twenties. Yeah, yeah,

1111
00:48:01,920 --> 00:48:04,359
Speaker 7: in the twenties, right, so you're dealing with people who

1112
00:48:04,360 --> 00:48:07,759
Speaker 7: have dealt with emotional trauma but also financial trauma. So

1113
00:48:07,920 --> 00:48:10,480
Speaker 7: what's that like explaining this to them at such a

1114
00:48:10,560 --> 00:48:13,400
Speaker 7: young age? Like let's take example, Anthony, that which was

1115
00:48:13,520 --> 00:48:15,560
Speaker 7: the number one pick? Right, Like you're telling the nineteen

1116
00:48:15,640 --> 00:48:17,719
Speaker 7: year old kid at this point of his life you

1117
00:48:17,760 --> 00:48:20,399
Speaker 7: should be thinking about these like you become not only

1118
00:48:20,560 --> 00:48:21,799
Speaker 7: like a wealth manager, but.

1119
00:48:21,840 --> 00:48:23,080
Speaker 6: You're like the teacher now.

1120
00:48:23,239 --> 00:48:25,520
Speaker 7: Yeah for sure, So what's that What are these conversations

1121
00:48:25,560 --> 00:48:26,920
Speaker 7: like when you have them at such a young age

1122
00:48:26,960 --> 00:48:29,480
Speaker 7: with your clients, Well, your family, I don't want clients someone, yeah,

1123
00:48:29,480 --> 00:48:29,839
Speaker 7: your family.

1124
00:48:29,960 --> 00:48:31,479
Speaker 3: Yeah, I'm not a great great question.

1125
00:48:32,239 --> 00:48:34,440
Speaker 2: You know, it's like I say, it's a lot of

1126
00:48:34,480 --> 00:48:39,080
Speaker 2: teaching and uh and understanding why you know, what I mean, why,

1127
00:48:39,200 --> 00:48:43,080
Speaker 2: why it's important, Why it's important. But there's certain things

1128
00:48:43,120 --> 00:48:47,160
Speaker 2: where they're just not negotiables with me, right because as

1129
00:48:47,880 --> 00:48:52,520
Speaker 2: as a black financial wealth manager, you know, I can't

1130
00:48:52,600 --> 00:48:54,359
Speaker 2: that room for error. I don't have room for error

1131
00:48:54,440 --> 00:48:57,279
Speaker 2: like like like the other counterparts. Right, So you got

1132
00:48:57,400 --> 00:48:59,239
Speaker 2: to get these things in line, and we have to

1133
00:48:59,280 --> 00:49:01,279
Speaker 2: get them done, not only because it protects you, but

1134
00:49:01,360 --> 00:49:03,480
Speaker 2: if you don't have anything happens to you, they're going

1135
00:49:03,560 --> 00:49:05,359
Speaker 2: to bury humble u ganga, you see what I mean.

1136
00:49:06,360 --> 00:49:09,560
Speaker 2: But those conversations are tough because they've never thought about

1137
00:49:09,560 --> 00:49:13,000
Speaker 2: it before, and nobody in the family's ever thought about

1138
00:49:13,000 --> 00:49:15,600
Speaker 2: it before. So this is a whole new world when

1139
00:49:15,640 --> 00:49:18,040
Speaker 2: you come. I mean, you're nineteen years old and you

1140
00:49:18,160 --> 00:49:20,040
Speaker 2: worth you know, millions and millions of dollars, Like that's

1141
00:49:20,080 --> 00:49:22,400
Speaker 2: not an everyday thing, you know. So that's why I

1142
00:49:22,440 --> 00:49:24,960
Speaker 2: always go back to like love and trust, you know,

1143
00:49:25,000 --> 00:49:26,560
Speaker 2: And that's why I got into this business. It's like,

1144
00:49:26,600 --> 00:49:29,880
Speaker 2: now this is a people business man, and nobody nobody

1145
00:49:29,960 --> 00:49:31,520
Speaker 2: cares how much you know, onto didn't know how much

1146
00:49:31,560 --> 00:49:33,640
Speaker 2: you care. And once these young men or these young

1147
00:49:33,719 --> 00:49:36,319
Speaker 2: women understand, like like my heart and what I'm here

1148
00:49:36,400 --> 00:49:39,120
Speaker 2: to serve I'm able to have these conversations and sometimes,

1149
00:49:39,440 --> 00:49:41,600
Speaker 2: you know, I'm thirty five years old. Sometimes I'm more

1150
00:49:41,719 --> 00:49:44,040
Speaker 2: like a father figure, you know, or like an uncle,

1151
00:49:45,360 --> 00:49:48,399
Speaker 2: and most times I might be the only black man

1152
00:49:48,440 --> 00:49:52,000
Speaker 2: that they've ever met in their lives that's like successful, right,

1153
00:49:53,000 --> 00:49:55,680
Speaker 2: or like that, or that they can kind of listen to. Right,

1154
00:49:55,800 --> 00:49:57,719
Speaker 2: So you have to play a you got to play

1155
00:49:57,760 --> 00:50:03,800
Speaker 2: a bunch of different roles man, you know, wealth manager, father, uncle, disciplinarian.

1156
00:50:04,239 --> 00:50:07,200
Speaker 3: But the most important is teaching, you know.

1157
00:50:07,640 --> 00:50:08,960
Speaker 5: So let me ask you this as far as like

1158
00:50:09,000 --> 00:50:12,840
Speaker 5: a broad range philosophical question in regards to investing. God know,

1159
00:50:12,880 --> 00:50:14,600
Speaker 5: that's one of your strong points. How important is it

1160
00:50:14,640 --> 00:50:17,080
Speaker 5: to diversify? Because I know a lot of people maybe

1161
00:50:17,160 --> 00:50:19,560
Speaker 5: not but a lot of people. I don't know if

1162
00:50:19,560 --> 00:50:22,000
Speaker 5: your clients specifically, they might just want to put all

1163
00:50:22,040 --> 00:50:24,560
Speaker 5: their money in like just bigcoin on all their money

1164
00:50:24,600 --> 00:50:26,680
Speaker 5: and just buy a board eight like you know what

1165
00:50:26,680 --> 00:50:29,200
Speaker 5: I mean. And it's like, what do you tell them?

1166
00:50:29,239 --> 00:50:32,320
Speaker 5: And what's your philosophy on diversification when it comes to investing?

1167
00:50:32,680 --> 00:50:34,360
Speaker 6: Right? You know?

1168
00:50:36,920 --> 00:50:37,839
Speaker 3: So let me take a step back.

1169
00:50:37,920 --> 00:50:40,120
Speaker 2: I want to be as authentic as humanly possible from

1170
00:50:40,160 --> 00:50:44,440
Speaker 2: my from from my perspective. So the clients that I manage, right,

1171
00:50:46,400 --> 00:50:49,880
Speaker 2: who who are Our goal is to build this wealth

1172
00:50:50,040 --> 00:50:52,960
Speaker 2: for generations to come. Right, they're making they've made, they're

1173
00:50:53,000 --> 00:50:56,600
Speaker 2: making their wealth and their art, you know, movies, whatever

1174
00:50:56,680 --> 00:50:59,800
Speaker 2: it is, writing, directing athletes. Maybe they sold the business,

1175
00:51:00,080 --> 00:51:02,759
Speaker 2: so they've accumulated wealth. So now my job when I

1176
00:51:02,840 --> 00:51:04,200
Speaker 2: get in there is to make sure that we take

1177
00:51:04,280 --> 00:51:07,839
Speaker 2: this wealth, we protect it, we grow it, and then

1178
00:51:07,880 --> 00:51:11,000
Speaker 2: we transfer it. So when I'm dealing with my particular clients,

1179
00:51:12,120 --> 00:51:15,799
Speaker 2: diversification is key, right because you never ever ever want

1180
00:51:15,840 --> 00:51:17,759
Speaker 2: to pull your eggs in one basket to say, so,

1181
00:51:17,880 --> 00:51:20,080
Speaker 2: you know, there's different asset classes and you've got to

1182
00:51:20,120 --> 00:51:23,759
Speaker 2: be very careful that you are very diversified that way,

1183
00:51:24,000 --> 00:51:27,280
Speaker 2: if one asset class goes down, you still a portfolio

1184
00:51:27,320 --> 00:51:33,360
Speaker 2: that's strong. Right now, if I'm talking to a younger

1185
00:51:33,520 --> 00:51:36,600
Speaker 2: me right who has a dream of building a company,

1186
00:51:37,080 --> 00:51:39,479
Speaker 2: has a dream of being an entrepreneur, has a dream

1187
00:51:39,560 --> 00:51:43,320
Speaker 2: of escaping poverty, has a dream of changing the trajection

1188
00:51:43,400 --> 00:51:48,840
Speaker 2: of his family's life, you don't have the luxury diversification

1189
00:51:49,200 --> 00:51:50,880
Speaker 2: if you're trying to be an entrepreneur, like you got

1190
00:51:50,960 --> 00:51:53,640
Speaker 2: to put you got to go all in. You got

1191
00:51:53,760 --> 00:51:56,960
Speaker 2: to go all in, like there's no day like if

1192
00:51:57,000 --> 00:51:59,040
Speaker 2: you really want to go, if you really want to

1193
00:51:59,080 --> 00:52:02,319
Speaker 2: change the trajectory of your life, like you have to pick.

1194
00:52:02,800 --> 00:52:04,279
Speaker 2: You have to be an inch while and a mile

1195
00:52:04,360 --> 00:52:06,920
Speaker 2: deeper where you're going to invest everything, you know what

1196
00:52:07,000 --> 00:52:09,400
Speaker 2: I mean. And so when I was building Lifeline, one

1197
00:52:09,480 --> 00:52:12,480
Speaker 2: hundred thousand percent of everything that I had was in Lifeline.

1198
00:52:12,640 --> 00:52:14,600
Speaker 3: I was not diversified at all. This thing has to

1199
00:52:14,719 --> 00:52:18,800
Speaker 3: make it or I'm done. That's the work has too

1200
00:52:19,440 --> 00:52:20,319
Speaker 3: right right right, and.

1201
00:52:20,400 --> 00:52:23,760
Speaker 2: Then so and then and so, and you got to believe,

1202
00:52:24,080 --> 00:52:26,600
Speaker 2: you know, And as an entrepreneur man, you may you

1203
00:52:26,680 --> 00:52:29,239
Speaker 2: may look at even like the clients who's wealth that

1204
00:52:29,280 --> 00:52:32,480
Speaker 2: I manage that are Silicon Valley founders or the building companies,

1205
00:52:32,640 --> 00:52:34,560
Speaker 2: When I look at their wealth, I mean, ninety percent

1206
00:52:34,560 --> 00:52:36,200
Speaker 2: of their wealth isn't there is in the stock of

1207
00:52:36,280 --> 00:52:39,120
Speaker 2: their company. You see what I'm saying, Because at the

1208
00:52:39,200 --> 00:52:42,040
Speaker 2: end of the day, I got control over that, like

1209
00:52:42,160 --> 00:52:44,720
Speaker 2: I got control of what I can grow this company.

1210
00:52:44,760 --> 00:52:45,239
Speaker 6: You know what I mean.

1211
00:52:45,480 --> 00:52:47,720
Speaker 2: I mean, I mean I have much. So it depends

1212
00:52:47,800 --> 00:52:50,799
Speaker 2: what your goals are and where you are in your life.

1213
00:52:50,840 --> 00:52:55,080
Speaker 2: You know what I'm saying, but when you're speaking from

1214
00:52:55,080 --> 00:52:57,600
Speaker 2: an entrepreneur who's trying to build from zero to one hundred,

1215
00:52:58,160 --> 00:53:00,480
Speaker 2: you have to be late. You know, you're focus may

1216
00:53:00,520 --> 00:53:03,080
Speaker 2: have may have, may has to be singular, may have

1217
00:53:03,200 --> 00:53:03,800
Speaker 2: to be singular.

1218
00:53:04,200 --> 00:53:04,879
Speaker 3: Does that make sense?

1219
00:53:05,239 --> 00:53:09,400
Speaker 6: I got you so, yeah, right, Humbu Lukanga.

1220
00:53:09,560 --> 00:53:14,120
Speaker 7: Yeah, your names alone separate you in the financial service industry, right, yeah.

1221
00:53:14,600 --> 00:53:16,520
Speaker 7: I wanted you to talk about some of the barriers

1222
00:53:16,560 --> 00:53:19,000
Speaker 7: that you face and why you're so intentional on who

1223
00:53:19,080 --> 00:53:22,880
Speaker 7: you work with. Now right, you're choosing your clients very

1224
00:53:22,920 --> 00:53:25,000
Speaker 7: specifically for a reason. Let's talk about that.

1225
00:53:26,080 --> 00:53:27,960
Speaker 3: I'm sure s you can test it this.

1226
00:53:28,160 --> 00:53:29,920
Speaker 7: When I read the story, I'm like, I felt that

1227
00:53:30,080 --> 00:53:32,600
Speaker 7: so many similarities knowing his story in yours.

1228
00:53:32,640 --> 00:53:35,080
Speaker 2: So yeah, you know, I remember being young man and

1229
00:53:35,160 --> 00:53:38,160
Speaker 2: I read this stat that said you have you know,

1230
00:53:38,239 --> 00:53:41,279
Speaker 2: you have a better chance playing in the NBA than

1231
00:53:41,360 --> 00:53:43,520
Speaker 2: being a black executive and finance. Right, I think this,

1232
00:53:43,760 --> 00:53:46,840
Speaker 2: you know, it was like like one point five at

1233
00:53:46,880 --> 00:53:48,960
Speaker 2: one point seven or something like, just like and I

1234
00:53:49,040 --> 00:53:51,320
Speaker 2: always it always I was like, why do people publish

1235
00:53:51,400 --> 00:53:54,040
Speaker 2: these tats? Like why do people publish it? Is it

1236
00:53:54,120 --> 00:53:57,640
Speaker 2: to is it to like derail somebody's dream. Is it

1237
00:53:57,760 --> 00:54:00,279
Speaker 2: to show us like this impossible? Is it to show

1238
00:54:00,320 --> 00:54:02,440
Speaker 2: us that we now welcome? You know, I've been in

1239
00:54:02,520 --> 00:54:06,320
Speaker 2: a fight of my life in finance, the fight of

1240
00:54:06,480 --> 00:54:11,920
Speaker 2: my life because every I I'm a CFP Certified Financial Planner.

1241
00:54:13,040 --> 00:54:16,040
Speaker 2: I built this firm with with with with with the

1242
00:54:16,120 --> 00:54:18,120
Speaker 2: most amazing human beings you're ever going to meet in

1243
00:54:18,160 --> 00:54:22,640
Speaker 2: your life. Intelligent, like like just incredible team. We work

1244
00:54:22,680 --> 00:54:25,960
Speaker 2: with the biggest names in the world. You know, I

1245
00:54:26,040 --> 00:54:28,080
Speaker 2: still on a board of trustees at University of Mexico

1246
00:54:28,280 --> 00:54:32,560
Speaker 2: as as as the finance chair. I've done everything you

1247
00:54:32,560 --> 00:54:35,719
Speaker 2: could possibly do to make to to be a qualified

1248
00:54:35,800 --> 00:54:40,319
Speaker 2: candidate to help madie somebody's wealth. And they still question

1249
00:54:40,400 --> 00:54:43,239
Speaker 2: you intelligence just because of the color of your skin,

1250
00:54:44,160 --> 00:54:45,160
Speaker 2: you know what I mean? Like I was, I was

1251
00:54:45,200 --> 00:54:46,840
Speaker 2: having a conversation with a deff friend of mine, his

1252
00:54:47,040 --> 00:54:48,719
Speaker 2: h his Indian and UH and I was writing a

1253
00:54:48,760 --> 00:54:51,360
Speaker 2: letter of recommendation for for his child to go to

1254
00:54:51,680 --> 00:54:53,719
Speaker 2: to go to college. And we were just having We're

1255
00:54:53,760 --> 00:54:55,600
Speaker 2: just sitting back at dinner. He says, you know, hey,

1256
00:54:55,640 --> 00:54:57,759
Speaker 2: look what we've done for ourselves. You know two you know,

1257
00:54:57,840 --> 00:55:00,120
Speaker 2: two brown immigrants who came to this America. I mean,

1258
00:55:00,120 --> 00:55:02,960
Speaker 2: who came to America. Look what we've done. And I said,

1259
00:55:02,960 --> 00:55:04,759
Speaker 2: you know what, man, you know, yeah, you know, I

1260
00:55:05,600 --> 00:55:09,280
Speaker 2: understand what you're saying. But my journey is different than yours,

1261
00:55:09,719 --> 00:55:11,880
Speaker 2: Like you know what I mean, Like our journey is

1262
00:55:11,920 --> 00:55:14,040
Speaker 2: completely different. And he says, I said, what do you mean?

1263
00:55:14,080 --> 00:55:16,399
Speaker 2: I said, you know, we both immigrants, were both I said, listen,

1264
00:55:17,160 --> 00:55:18,160
Speaker 2: I'm black in America.

1265
00:55:18,320 --> 00:55:18,440
Speaker 1: Man.

1266
00:55:18,840 --> 00:55:21,120
Speaker 2: Like when I go into a conference room, when I

1267
00:55:21,200 --> 00:55:24,320
Speaker 2: go into a meeting, when I go into anything, the

1268
00:55:24,560 --> 00:55:26,440
Speaker 2: first thing they do is question your intelligence.

1269
00:55:27,320 --> 00:55:27,759
Speaker 3: You know what I mean.

1270
00:55:27,960 --> 00:55:29,800
Speaker 2: They don't question your intelligence. They may make fun of

1271
00:55:29,800 --> 00:55:32,360
Speaker 2: your accent, but they don't question your intelligence. They expect

1272
00:55:32,440 --> 00:55:34,000
Speaker 2: you to be brilliant. They expect for you to be smart.

1273
00:55:34,520 --> 00:55:36,680
Speaker 2: So when you're in finance, and like you said, I

1274
00:55:36,719 --> 00:55:38,360
Speaker 2: didn't start at a wirehouse, right, I didn't go to

1275
00:55:38,480 --> 00:55:40,880
Speaker 2: like JP Morgan or gold miss Ax, so ubs like

1276
00:55:40,960 --> 00:55:44,040
Speaker 2: I literally built this thing from the ground up independently, right,

1277
00:55:45,400 --> 00:55:47,279
Speaker 2: they question you every step of the way. And I

1278
00:55:47,400 --> 00:55:49,799
Speaker 2: used to have this joke, you know, with Tony. It's

1279
00:55:49,800 --> 00:55:51,319
Speaker 2: just a metaphor. I'm not saying it's true, but it's

1280
00:55:51,320 --> 00:55:53,719
Speaker 2: a metaphor. I will say, I said, man, I can't

1281
00:55:53,760 --> 00:55:55,640
Speaker 2: sign Peyton Manning because I'm black, and I can't sign

1282
00:55:55,719 --> 00:55:59,160
Speaker 2: camp Newton because I'm black. Right, It's because they always

1283
00:55:59,280 --> 00:56:02,719
Speaker 2: they they over they they marginalize you every step of

1284
00:56:02,800 --> 00:56:07,440
Speaker 2: the way, right And and it's you know, and the

1285
00:56:07,520 --> 00:56:10,920
Speaker 2: people that you're here to serve. And I want to

1286
00:56:10,960 --> 00:56:13,920
Speaker 2: be respectful, but like you know, slavery one, you know

1287
00:56:13,960 --> 00:56:15,759
Speaker 2: what I mean, Like you got to understand the prison

1288
00:56:15,800 --> 00:56:20,560
Speaker 2: we view the world. I'm from East Africa, Uganda, right,

1289
00:56:21,840 --> 00:56:26,799
Speaker 2: so but I'm but I'm in America. So I live

1290
00:56:26,880 --> 00:56:29,359
Speaker 2: two lives, right, I live, I live my I live

1291
00:56:29,440 --> 00:56:32,440
Speaker 2: as as a Ugandan, as a Ugandan, as a Ugandan

1292
00:56:32,560 --> 00:56:34,719
Speaker 2: in my heart. That is coming from Uganda, born and raised,

1293
00:56:34,760 --> 00:56:39,759
Speaker 2: and then as a black American in America. And and

1294
00:56:40,080 --> 00:56:43,080
Speaker 2: and when you come to this country, right, it's a

1295
00:56:43,200 --> 00:56:46,960
Speaker 2: shock because even back home and we have like poverty,

1296
00:56:47,040 --> 00:56:49,000
Speaker 2: we have all these different things, but we have each other.

1297
00:56:49,880 --> 00:56:52,920
Speaker 2: And so we have we have our language, we have

1298
00:56:53,000 --> 00:56:55,080
Speaker 2: our song, we have our tradition, we have our heritage.

1299
00:56:55,400 --> 00:56:57,800
Speaker 2: So you you you never think about the color of

1300
00:56:57,840 --> 00:57:00,520
Speaker 2: your skin, like it's just never crossed my mind.

1301
00:57:00,719 --> 00:57:00,879
Speaker 4: Right.

1302
00:57:01,440 --> 00:57:03,719
Speaker 2: Then you come to America and quickly remind you, you

1303
00:57:03,800 --> 00:57:05,640
Speaker 2: know what I mean, and it does not matter what

1304
00:57:05,719 --> 00:57:09,520
Speaker 2: you accomplish, like they just marginalize.

1305
00:57:09,000 --> 00:57:13,880
Speaker 3: You every step of the way. So it's it's to

1306
00:57:14,000 --> 00:57:14,399
Speaker 3: this day.

1307
00:57:14,480 --> 00:57:15,719
Speaker 2: You know, I tell you, I tell you a story

1308
00:57:15,760 --> 00:57:21,360
Speaker 2: that just happened literally this past week. I have a client,

1309
00:57:21,480 --> 00:57:24,320
Speaker 2: this gout, you know, a great client coming out of

1310
00:57:24,920 --> 00:57:27,840
Speaker 2: a particular university in this upcoming twenty twenty two draft

1311
00:57:28,120 --> 00:57:29,720
Speaker 2: that has a chance to be a top ten pick,

1312
00:57:29,880 --> 00:57:35,800
Speaker 2: special special young man. So a black a black, a

1313
00:57:35,880 --> 00:57:42,400
Speaker 2: black young man. His family highly educated right lawyers, engineers,

1314
00:57:42,480 --> 00:57:48,200
Speaker 2: like they did a thorough interview process for agencies and

1315
00:57:48,600 --> 00:57:52,640
Speaker 2: financial advisors and they chose me. Right on his team

1316
00:57:52,760 --> 00:57:57,439
Speaker 2: is another kid who's extremely talented, white kid who's also

1317
00:57:57,520 --> 00:57:58,520
Speaker 2: going to be a top ten pick.

1318
00:57:58,600 --> 00:57:58,720
Speaker 4: You know.

1319
00:58:00,640 --> 00:58:04,360
Speaker 2: So as as uh as the young man is leaving college,

1320
00:58:04,640 --> 00:58:06,760
Speaker 2: he goes and sits down with this particular coach, white

1321
00:58:06,800 --> 00:58:11,040
Speaker 2: coach and for his exit meeting. So the coach asks him,

1322
00:58:11,240 --> 00:58:13,680
Speaker 2: who you signing with as far as your agent a

1323
00:58:13,720 --> 00:58:14,520
Speaker 2: financial advisor?

1324
00:58:14,840 --> 00:58:16,760
Speaker 3: He says, he says this, He says, you know.

1325
00:58:16,840 --> 00:58:20,840
Speaker 2: Humble Lou Conga. So then the coach tells him, uh,

1326
00:58:21,640 --> 00:58:25,680
Speaker 2: humble Lou Conga. You know, doesn't google me, doesn't do

1327
00:58:25,840 --> 00:58:30,720
Speaker 2: his research, doesn't doesn't doesn't even doesn't even just says, okay, Congo,

1328
00:58:30,720 --> 00:58:33,760
Speaker 2: where's that from? He's all he's East African black. He goes,

1329
00:58:34,360 --> 00:58:36,320
Speaker 2: can you have him sent over his engagement letters and

1330
00:58:36,400 --> 00:58:38,440
Speaker 2: his and his social Security numbers so we can do so,

1331
00:58:38,520 --> 00:58:40,360
Speaker 2: we can do so, we can do a background check

1332
00:58:40,440 --> 00:58:40,680
Speaker 2: on him.

1333
00:58:42,200 --> 00:58:42,840
Speaker 3: I was livid.

1334
00:58:43,960 --> 00:58:47,720
Speaker 2: I said, listen, did they ask that the white kid

1335
00:58:47,760 --> 00:58:50,240
Speaker 2: if his financial advisor can turn into the engagement letters

1336
00:58:50,280 --> 00:58:51,440
Speaker 2: and they're there and their.

1337
00:58:51,320 --> 00:58:52,200
Speaker 3: Social Security number?

1338
00:58:52,720 --> 00:58:54,520
Speaker 2: I said, you know what I said, If that's the

1339
00:58:54,600 --> 00:58:57,400
Speaker 2: process for this university, I'm all in. But if that's

1340
00:58:57,400 --> 00:58:59,880
Speaker 2: a humble lu conga special, tell him, I said, you

1341
00:59:00,040 --> 00:59:01,959
Speaker 2: something much said, fuck him, get them on the phone.

1342
00:59:02,120 --> 00:59:04,040
Speaker 3: You know what I mean. But it's just like stuff

1343
00:59:04,120 --> 00:59:06,440
Speaker 3: like that happens all the time, no matter where you

1344
00:59:06,520 --> 00:59:07,200
Speaker 3: are in your career.

1345
00:59:07,680 --> 00:59:10,040
Speaker 6: The hower you go, the more you see. But it's

1346
00:59:10,080 --> 00:59:11,680
Speaker 6: tough to you can get to your level to see that.

1347
00:59:11,880 --> 00:59:13,520
Speaker 2: Yeah, you know what I mean. So it doesn't it

1348
00:59:13,560 --> 00:59:16,400
Speaker 2: doesn't change. And that's why I tell anybody it's just

1349
00:59:16,520 --> 00:59:21,160
Speaker 2: like just keep going, man, because it doesn't. There'll never

1350
00:59:21,240 --> 00:59:23,680
Speaker 2: be a time. And you know, There'll never be a

1351
00:59:23,760 --> 00:59:26,480
Speaker 2: time in this country where where we don't get marginalized

1352
00:59:26,560 --> 00:59:28,280
Speaker 2: like that, especially in finance, you know what I mean.

1353
00:59:28,320 --> 00:59:30,880
Speaker 2: And so the question your intelligence service step of the way,

1354
00:59:30,880 --> 00:59:32,680
Speaker 2: but you just have to keep you just have to

1355
00:59:32,760 --> 00:59:33,560
Speaker 2: keep being dynamic.

1356
00:59:34,120 --> 00:59:36,920
Speaker 5: So how do you get clients? Like what's your what's

1357
00:59:36,960 --> 00:59:40,800
Speaker 5: your process for referrals? Like is it through center of influences?

1358
00:59:40,960 --> 00:59:42,440
Speaker 5: Is do you actually recruit people?

1359
00:59:42,760 --> 00:59:45,600
Speaker 2: Like what's the you know, great question, Like there's some

1360
00:59:45,760 --> 00:59:48,200
Speaker 2: moments in time where I see somebody and I know

1361
00:59:48,280 --> 00:59:50,480
Speaker 2: it was born and represent them, and so I'm going

1362
00:59:50,560 --> 00:59:52,560
Speaker 2: to go get them by any means necessary. Right, I'm

1363
00:59:52,560 --> 00:59:53,880
Speaker 2: going to go get to them. Right, I'm going to

1364
00:59:53,920 --> 00:59:55,800
Speaker 2: find a way to go to go meet their families.

1365
00:59:56,120 --> 00:59:58,560
Speaker 2: But ninety nine percent of the time is all friends

1366
00:59:58,600 --> 01:00:02,240
Speaker 2: of friends and referral. You know, we have like a

1367
01:00:02,280 --> 01:00:04,480
Speaker 2: six month waiting list, you know. So I take my time,

1368
01:00:04,760 --> 01:00:07,560
Speaker 2: you know, I like I told you, I have this

1369
01:00:08,280 --> 01:00:10,840
Speaker 2: have this vision for Lifeline that's one hundred year vision

1370
01:00:11,240 --> 01:00:13,760
Speaker 2: that allows me the luxury not to rush, you know.

1371
01:00:13,960 --> 01:00:17,120
Speaker 2: So I'm like building this company like I'm winning this

1372
01:00:17,280 --> 01:00:19,200
Speaker 2: race at a turtle's pace, you know what I mean.

1373
01:00:19,280 --> 01:00:23,080
Speaker 2: And so great clients bring great clients, says, you know,

1374
01:00:23,320 --> 01:00:25,520
Speaker 2: you know, great people hang around great people, so great

1375
01:00:25,640 --> 01:00:28,600
Speaker 2: and uh and and I can I can spend five

1376
01:00:28,600 --> 01:00:30,439
Speaker 2: minutes with somebody you know. Okay, that's a life line.

1377
01:00:30,560 --> 01:00:32,840
Speaker 2: That's a lifelying guy. Oh, that's a lifeline. Gal, like

1378
01:00:32,920 --> 01:00:34,960
Speaker 2: they like they you know, we're going to be good.

1379
01:00:35,000 --> 01:00:36,800
Speaker 2: And then they'll bring friends. But it's all refer us.

1380
01:00:37,280 --> 01:00:39,760
Speaker 2: And and that's how I like it because I don't

1381
01:00:39,800 --> 01:00:43,280
Speaker 2: have to do the the shiving and dancing, if that

1382
01:00:43,440 --> 01:00:46,680
Speaker 2: makes sense. I'm not doing none of that, you know

1383
01:00:46,720 --> 01:00:48,200
Speaker 2: what I mean. So if somebody that you love and

1384
01:00:48,240 --> 01:00:51,160
Speaker 2: trust tells you about me, and then and then somebody

1385
01:00:51,240 --> 01:00:53,720
Speaker 2: I love and trust, uh, it's like it's it's an

1386
01:00:53,720 --> 01:00:55,920
Speaker 2: easier conversation because they've already been in the they already

1387
01:00:55,920 --> 01:00:58,040
Speaker 2: know how the kitchen, they've already been in the in

1388
01:00:58,120 --> 01:00:58,600
Speaker 2: the system.

1389
01:00:58,720 --> 01:00:59,720
Speaker 3: So that's how I like it.

1390
01:00:59,760 --> 01:01:05,120
Speaker 5: I like referrals for just general general anybody. What's the

1391
01:01:05,280 --> 01:01:09,200
Speaker 5: most important part of a financial plan you're a financial planner, Yeah,

1392
01:01:09,640 --> 01:01:11,880
Speaker 5: what's the building blocks to wealth? Like, what's the most

1393
01:01:11,920 --> 01:01:12,640
Speaker 5: important thing.

1394
01:01:12,600 --> 01:01:13,120
Speaker 6: That you have to do?

1395
01:01:13,240 --> 01:01:14,320
Speaker 3: Yeah, that's such a great question.

1396
01:01:14,440 --> 01:01:14,560
Speaker 1: Man.

1397
01:01:14,800 --> 01:01:17,440
Speaker 3: The most important thing that you have to do is

1398
01:01:17,520 --> 01:01:18,400
Speaker 3: believe that you deserve it.

1399
01:01:20,040 --> 01:01:23,600
Speaker 2: You know, like people, there's a there's an optimism you

1400
01:01:23,720 --> 01:01:27,600
Speaker 2: have to have to plan for tomorrow, you know what

1401
01:01:27,640 --> 01:01:30,240
Speaker 2: I mean, Like you innately believe that Okay, if I

1402
01:01:30,520 --> 01:01:32,640
Speaker 2: if I, if I do this and I save and

1403
01:01:32,720 --> 01:01:35,200
Speaker 2: I put away retirement, you there's a there's a there's

1404
01:01:35,240 --> 01:01:37,600
Speaker 2: a there's an optimism in your heart that believe that

1405
01:01:37,680 --> 01:01:39,400
Speaker 2: your tomorrow's can be better than your today's.

1406
01:01:39,400 --> 01:01:40,960
Speaker 3: It can be better than and you today's can better

1407
01:01:41,000 --> 01:01:43,200
Speaker 3: than your yesterday's. Right, And so.

1408
01:01:44,720 --> 01:01:46,320
Speaker 2: We have to get to the we have to get

1409
01:01:46,320 --> 01:01:49,560
Speaker 2: to the core of somebody's soul to help them understand

1410
01:01:49,600 --> 01:01:52,120
Speaker 2: that they're worthy of a financial planner, they're worthy of

1411
01:01:52,160 --> 01:01:55,640
Speaker 2: a better tomorrow, right like they're they're so I mean,

1412
01:01:55,680 --> 01:01:57,880
Speaker 2: if you go to you guys's platform, I mean, you

1413
01:01:57,920 --> 01:02:01,640
Speaker 2: guys have done an amazing job just to all the tools,

1414
01:02:01,760 --> 01:02:03,960
Speaker 2: all of the wisdom, all of the lesson plans for

1415
01:02:04,120 --> 01:02:06,920
Speaker 2: anybody to transform from where they are to to where

1416
01:02:06,960 --> 01:02:08,800
Speaker 2: they need to be. The information that you guys are

1417
01:02:08,800 --> 01:02:10,920
Speaker 2: put together is unbelievable. It's impeccable.

1418
01:02:11,000 --> 01:02:11,160
Speaker 5: Right.

1419
01:02:12,080 --> 01:02:14,800
Speaker 2: So it's like, but how do you get somebody to

1420
01:02:14,840 --> 01:02:18,720
Speaker 2: feel like they're worthy of that journey. And that's what

1421
01:02:18,800 --> 01:02:22,560
Speaker 2: PE don't understand and finance man, like, it's not about stocks, bonds, investments, tax,

1422
01:02:22,600 --> 01:02:26,280
Speaker 2: it's not about that. It's it's it's it's it's all behavioral,

1423
01:02:26,360 --> 01:02:29,320
Speaker 2: it's all psychology. It's all like if you grew up

1424
01:02:29,320 --> 01:02:31,320
Speaker 2: in an if you grew up in an environment where

1425
01:02:32,240 --> 01:02:35,760
Speaker 2: nobody's ever believed in you, right, nobody, You've you've been

1426
01:02:35,840 --> 01:02:38,160
Speaker 2: put down. You know, America has had a knee on

1427
01:02:38,200 --> 01:02:40,480
Speaker 2: your neck for your whole your whole life. When do

1428
01:02:40,560 --> 01:02:42,440
Speaker 2: you start to breathe and start to think about, Okay,

1429
01:02:42,840 --> 01:02:45,360
Speaker 2: let me plan for tomorrow. Right, You're like, fucked, I'm

1430
01:02:45,400 --> 01:02:47,360
Speaker 2: living for today. You see what I'm saying. So the

1431
01:02:47,440 --> 01:02:50,880
Speaker 2: most important thing, in my honest opinion, man, is like

1432
01:02:52,000 --> 01:02:55,400
Speaker 2: sitting down with somebody and dealing with the trauma, dealing

1433
01:02:55,480 --> 01:02:58,680
Speaker 2: with that generational pain and getting them to a place

1434
01:02:58,680 --> 01:03:02,400
Speaker 2: where they're healthy to receive ever transformation advice that you have. Right,

1435
01:03:03,400 --> 01:03:05,439
Speaker 2: And that's the book I'm working on. It's I'm working

1436
01:03:05,440 --> 01:03:07,880
Speaker 2: on a book called The Humble Way, Ten Steps to

1437
01:03:08,000 --> 01:03:12,840
Speaker 2: Financial Freedom, and it's it's all behavioral, you know, just

1438
01:03:13,040 --> 01:03:17,320
Speaker 2: trying to get somebody's mind to shift because once once

1439
01:03:17,400 --> 01:03:19,600
Speaker 2: that shift happens, and you as a teacher, you see

1440
01:03:19,720 --> 01:03:21,760
Speaker 2: the kid once that shift happens, Oh, it's.

1441
01:03:23,400 --> 01:03:25,160
Speaker 3: It's over. But then it starts, It starts in, It

1442
01:03:25,240 --> 01:03:27,360
Speaker 3: starts in here, you know what I'm saying. And uh,

1443
01:03:27,920 --> 01:03:28,880
Speaker 3: And what I've seen.

1444
01:03:30,840 --> 01:03:37,120
Speaker 2: Is that when it comes to financial literacy in our community, uh,

1445
01:03:37,200 --> 01:03:42,400
Speaker 2: we've been you know, it's like it's it's uh, there's

1446
01:03:42,400 --> 01:03:44,200
Speaker 2: a there's a trauma there to where like you've been

1447
01:03:44,240 --> 01:03:46,880
Speaker 2: living check to check for so long that you can't

1448
01:03:46,880 --> 01:03:49,000
Speaker 2: even you haven't even thought about, you know, planning for

1449
01:03:49,200 --> 01:03:50,880
Speaker 2: for tomorrow when you're trying to get through today, you

1450
01:03:50,960 --> 01:03:53,680
Speaker 2: know what I mean. So that the most important thing

1451
01:03:53,720 --> 01:03:55,560
Speaker 2: I think is to is to is to put that

1452
01:03:55,760 --> 01:03:57,640
Speaker 2: joy and that spear back in somebody where they go,

1453
01:03:57,760 --> 01:04:01,000
Speaker 2: you know what my life has worth and my life,

1454
01:04:01,520 --> 01:04:03,439
Speaker 2: the days of my life you know, can be better

1455
01:04:03,840 --> 01:04:05,920
Speaker 2: and and they deserve to be better, you know what

1456
01:04:05,960 --> 01:04:10,120
Speaker 2: I mean. And and once you get there, then you

1457
01:04:10,200 --> 01:04:11,840
Speaker 2: have an opportunity to be able to put together financial

1458
01:04:11,840 --> 01:04:15,640
Speaker 2: plan somebody can stick to you know what I mean. Uh,

1459
01:04:15,960 --> 01:04:18,360
Speaker 2: But the most important thing is when you're to financial

1460
01:04:18,400 --> 01:04:22,400
Speaker 2: plan is is you really have to understand you're spending

1461
01:04:22,560 --> 01:04:24,360
Speaker 2: and why you make the certain decisions that you make.

1462
01:04:25,160 --> 01:04:25,720
Speaker 3: You know what I mean.

1463
01:04:26,280 --> 01:04:31,880
Speaker 2: I believe that spending is directly linked to your value system,

1464
01:04:32,760 --> 01:04:35,480
Speaker 2: you know what I mean, Like like whatever you value,

1465
01:04:36,840 --> 01:04:40,200
Speaker 2: wherever you are, whatever, whatever values or principles you're, you're you,

1466
01:04:40,400 --> 01:04:43,720
Speaker 2: you embody, you can be found in that money trail,

1467
01:04:44,560 --> 01:04:48,400
Speaker 2: you know what I mean. And so you can't invest,

1468
01:04:48,520 --> 01:04:53,200
Speaker 2: you can't save, you can't do anything. If somebody, you

1469
01:04:53,240 --> 01:04:55,840
Speaker 2: know what I mean, if somebody has a crazy spending

1470
01:04:56,360 --> 01:04:59,920
Speaker 2: you know, if if if this, if if they value

1471
01:05:00,160 --> 01:05:02,960
Speaker 2: haven't been set in a way where they where they're.

1472
01:05:02,840 --> 01:05:05,240
Speaker 3: Spending is under control, discipline, discipline.

1473
01:05:05,760 --> 01:05:10,440
Speaker 7: So you started in around nine twenty ten, right, and

1474
01:05:10,520 --> 01:05:12,080
Speaker 7: so you get to the point now where you're having

1475
01:05:12,120 --> 01:05:15,520
Speaker 7: guys and ladies who going into a career and are now.

1476
01:05:15,560 --> 01:05:16,880
Speaker 6: Probably retired to their career.

1477
01:05:16,960 --> 01:05:17,480
Speaker 3: Yeah for sure.

1478
01:05:17,600 --> 01:05:17,800
Speaker 6: Yeah.

1479
01:05:17,840 --> 01:05:22,640
Speaker 7: So number one, as they transition into that new part

1480
01:05:22,680 --> 01:05:25,080
Speaker 7: of their life, is that same family that you built

1481
01:05:25,080 --> 01:05:27,840
Speaker 7: around them now guiding them maybe into a new career

1482
01:05:27,960 --> 01:05:32,200
Speaker 7: or entrepreneurial world. And on the other end of the spectrum,

1483
01:05:32,240 --> 01:05:34,040
Speaker 7: the people who are just starting, are we getting their

1484
01:05:34,080 --> 01:05:36,360
Speaker 7: minds thinking right, because at the end of the day,

1485
01:05:36,360 --> 01:05:39,080
Speaker 7: they are high paid employees. Are we getting them ideas

1486
01:05:39,160 --> 01:05:41,240
Speaker 7: to say, all right, here's some entrepreneurial things based on

1487
01:05:41,320 --> 01:05:42,440
Speaker 7: your personality.

1488
01:05:42,880 --> 01:05:43,360
Speaker 6: We're doing that.

1489
01:05:43,560 --> 01:05:45,720
Speaker 2: Yeah, that's a great question. Yeah, So for me, you know,

1490
01:05:46,440 --> 01:05:49,600
Speaker 2: you have to start with the end in mind. And

1491
01:05:50,880 --> 01:05:55,080
Speaker 2: you know, athletes, especially athletes, they die twice. The entertainers

1492
01:05:55,120 --> 01:05:57,800
Speaker 2: can stay creative their whole lives. So even if they

1493
01:05:58,360 --> 01:06:00,680
Speaker 2: don't want to act anymore, or are they still you know,

1494
01:06:00,760 --> 01:06:03,120
Speaker 2: there's so many things that they because they have a

1495
01:06:03,200 --> 01:06:07,720
Speaker 2: skill set that doesn't doesn't expire. But our athletes, man,

1496
01:06:07,760 --> 01:06:09,200
Speaker 2: even if you have a long career, you're still going

1497
01:06:09,240 --> 01:06:11,080
Speaker 2: to retire in your thirties. Now you still have another

1498
01:06:11,120 --> 01:06:12,919
Speaker 2: sixty seventy years to go. So what are you gonna

1499
01:06:12,920 --> 01:06:13,760
Speaker 2: do with the next chapter?

1500
01:06:14,200 --> 01:06:14,360
Speaker 6: Right?

1501
01:06:15,400 --> 01:06:17,320
Speaker 2: And so, and that's where you see what breaks my

1502
01:06:17,360 --> 01:06:19,320
Speaker 2: heart where you see a lot of retired guys you

1503
01:06:19,400 --> 01:06:23,040
Speaker 2: know end up like you know, suicide or things of

1504
01:06:23,120 --> 01:06:26,200
Speaker 2: that nature. Because now those everybody's gone that was there

1505
01:06:26,360 --> 01:06:28,600
Speaker 2: that was making money. You know, the marketing agents to

1506
01:06:28,680 --> 01:06:30,280
Speaker 2: go and it's first agents a go and the financial

1507
01:06:30,360 --> 01:06:33,160
Speaker 2: virs and everybody is gone. Who is who was on

1508
01:06:33,240 --> 01:06:35,400
Speaker 2: the pay road to getting money from? Now that you're retired,

1509
01:06:35,680 --> 01:06:38,960
Speaker 2: there's another kid coming. And so for me, for the

1510
01:06:39,240 --> 01:06:41,520
Speaker 2: form of retired guys, it was so important for me

1511
01:06:41,680 --> 01:06:45,120
Speaker 2: that that that their second that their second career is smooth, right,

1512
01:06:45,840 --> 01:06:48,520
Speaker 2: or or if they don't, if they just want to

1513
01:06:48,560 --> 01:06:51,120
Speaker 2: because you miss so much time being an athlete.

1514
01:06:51,320 --> 01:06:52,280
Speaker 3: You know, it didn't hit me, man.

1515
01:06:52,320 --> 01:06:54,200
Speaker 2: I was I was talking to one young when I

1516
01:06:54,320 --> 01:06:55,840
Speaker 2: was talking to somebody like a while ago, he says,

1517
01:06:55,840 --> 01:06:57,280
Speaker 2: you know what, when they retired, he was like, this

1518
01:06:57,280 --> 01:06:59,800
Speaker 2: is my first It's like, this is my first Thanksgiving.

1519
01:07:00,080 --> 01:07:01,760
Speaker 3: I haven't had things given them my family, you know

1520
01:07:01,800 --> 01:07:02,080
Speaker 3: what I mean.

1521
01:07:02,160 --> 01:07:05,080
Speaker 2: I was like, that's crazy, because yeah, you know, they

1522
01:07:05,720 --> 01:07:08,160
Speaker 2: miss everything. So so whether you want to go right

1523
01:07:08,200 --> 01:07:11,520
Speaker 2: into a new career or like a new challenge that

1524
01:07:11,640 --> 01:07:13,080
Speaker 2: has to we have to make a plan for that.

1525
01:07:13,680 --> 01:07:15,440
Speaker 2: Or if you just want to take like you just

1526
01:07:15,520 --> 01:07:17,640
Speaker 2: want to take your kids to school for me, you

1527
01:07:17,680 --> 01:07:18,960
Speaker 2: know what I mean, things that we take them up,

1528
01:07:19,600 --> 01:07:22,000
Speaker 2: pick them up, or coach that little league team or whatever.

1529
01:07:22,480 --> 01:07:25,160
Speaker 2: We have protected your wealth so much that you don't

1530
01:07:25,360 --> 01:07:27,520
Speaker 2: that you can do whatever you want to do. You

1531
01:07:27,600 --> 01:07:29,360
Speaker 2: know what I'm saying, No, you don't have you don't

1532
01:07:29,360 --> 01:07:31,160
Speaker 2: have to do this. There's nothing that you need to

1533
01:07:31,280 --> 01:07:34,520
Speaker 2: do right, But it's so important that when they're in

1534
01:07:34,600 --> 01:07:36,720
Speaker 2: their at the height of their career, that they build

1535
01:07:36,760 --> 01:07:39,440
Speaker 2: their relationships are going to help them transcend the next

1536
01:07:39,520 --> 01:07:43,040
Speaker 2: chapter of their career. So I'm always forcing clients to

1537
01:07:43,080 --> 01:07:44,920
Speaker 2: come with me the conferences or always forced them to

1538
01:07:44,960 --> 01:07:46,919
Speaker 2: take this meeting, take that meeting. Hey, when you land

1539
01:07:46,920 --> 01:07:49,680
Speaker 2: in the city, you may have to play on Sunday,

1540
01:07:49,720 --> 01:07:51,640
Speaker 2: but that's Saturday, Like you have some time off, you

1541
01:07:51,680 --> 01:07:53,320
Speaker 2: know what I mean. So instead of hanging with the

1542
01:07:53,400 --> 01:07:55,600
Speaker 2: boys or going to the just go take a meet

1543
01:07:55,640 --> 01:07:58,360
Speaker 2: in that city, you know. And it's going to be

1544
01:07:58,400 --> 01:08:00,520
Speaker 2: hard when you're twenty twenty one to kind of know

1545
01:08:00,560 --> 01:08:03,439
Speaker 2: what you want to do ten years from ten years

1546
01:08:03,480 --> 01:08:05,520
Speaker 2: from now, But just keep taking meetings, you know what

1547
01:08:05,560 --> 01:08:09,440
Speaker 2: I mean, And just keep meeting good people and eventually

1548
01:08:09,440 --> 01:08:10,800
Speaker 2: you gonn You're gonna figure it out, you know what

1549
01:08:10,840 --> 01:08:13,760
Speaker 2: I mean. But I feel like my role as a

1550
01:08:13,880 --> 01:08:17,200
Speaker 2: as a wealth manager as a lifelong role, and so

1551
01:08:18,120 --> 01:08:20,640
Speaker 2: it's very very important that I'm not going anywhere, right,

1552
01:08:20,640 --> 01:08:25,160
Speaker 2: So it's very very important that each each decade, especially

1553
01:08:25,200 --> 01:08:29,200
Speaker 2: post retirement, that these athletes predominantly are still are still successful.

1554
01:08:28,800 --> 01:08:31,519
Speaker 7: Yeah, what about the mental piece, because obviously you're a

1555
01:08:31,560 --> 01:08:34,879
Speaker 7: wealth manager, but we've seen athletes and entertainers who struggled

1556
01:08:34,880 --> 01:08:37,559
Speaker 7: with mental health and like, so we saw Kevin Love

1557
01:08:37,600 --> 01:08:39,360
Speaker 7: who said, you know what, I need to step away

1558
01:08:39,479 --> 01:08:40,559
Speaker 7: some more wiles at the Olympics.

1559
01:08:40,600 --> 01:08:43,240
Speaker 6: I need to step away. What about that component?

1560
01:08:43,400 --> 01:08:46,599
Speaker 7: Is that something that your team is building or down

1561
01:08:46,640 --> 01:08:48,040
Speaker 7: the road we're looking like we need to add this

1562
01:08:48,120 --> 01:08:51,880
Speaker 7: component because more athletes we're seeing this is happening more frequently.

1563
01:08:52,040 --> 01:08:54,080
Speaker 2: Yeah, another great question. You know I grew like when

1564
01:08:54,080 --> 01:08:56,800
Speaker 2: I started finances, I always managed finances. This is day

1565
01:08:56,880 --> 01:09:00,599
Speaker 2: one in a E collateral E collateral triangle. One side

1566
01:09:00,640 --> 01:09:02,960
Speaker 2: of that triangle was the economic capital. Of course, it's

1567
01:09:03,000 --> 01:09:05,479
Speaker 2: the financial plan and taxes, investments, you name it, okay,

1568
01:09:05,920 --> 01:09:09,920
Speaker 2: But the other triangle was what I call a social capital,

1569
01:09:10,040 --> 01:09:12,080
Speaker 2: like what do you want your legacy to be and

1570
01:09:12,240 --> 01:09:15,679
Speaker 2: how are you impact on your family, your neighborhood, your community,

1571
01:09:16,120 --> 01:09:19,120
Speaker 2: the state, the country and eventually the world. What's that plan?

1572
01:09:19,560 --> 01:09:21,560
Speaker 2: And the other plan was what you're talking about, this

1573
01:09:21,680 --> 01:09:25,320
Speaker 2: mental wealth spiritual capital. It's like how are you healing?

1574
01:09:26,040 --> 01:09:26,519
Speaker 6: You know what I mean?

1575
01:09:26,600 --> 01:09:28,360
Speaker 2: Like what books are you reading? Are you talking to

1576
01:09:28,439 --> 01:09:31,120
Speaker 2: a therapist. How is your mental heart you feeling. I've

1577
01:09:31,160 --> 01:09:35,679
Speaker 2: always managed a client, especially these really dynamic athletes, especially

1578
01:09:35,680 --> 01:09:38,560
Speaker 2: the football stars, in that equilateral triangle, you know what

1579
01:09:38,560 --> 01:09:40,840
Speaker 2: I mean. And now one triangle is more important than

1580
01:09:40,880 --> 01:09:44,879
Speaker 2: the other, right, because if you have somebody who's mentally

1581
01:09:44,960 --> 01:09:48,519
Speaker 2: and spiritually man growing and healing, they're making a big impact,

1582
01:09:48,760 --> 01:09:50,240
Speaker 2: you know, and they live in a life that's bigger

1583
01:09:50,240 --> 01:09:52,439
Speaker 2: than themselves. And then they're doing something with their and

1584
01:09:52,479 --> 01:09:54,680
Speaker 2: they're doing the right things with their finances. You have

1585
01:09:54,760 --> 01:09:58,080
Speaker 2: a really really really complete human being, right, and that

1586
01:09:58,200 --> 01:10:01,479
Speaker 2: person can and that person can change, can change the world.

1587
01:10:01,720 --> 01:10:05,360
Speaker 2: But since day one, I've understood that trauma and and

1588
01:10:05,840 --> 01:10:08,680
Speaker 2: we've always always managed. I've always thought of myself like

1589
01:10:08,680 --> 01:10:11,240
Speaker 2: I don't really manage wealth, I manage wellness.

1590
01:10:12,600 --> 01:10:13,720
Speaker 3: So that's a great Christian try.

1591
01:10:13,840 --> 01:10:18,080
Speaker 5: Yeah, pleasure my brother. So what's your what's your plans? Like,

1592
01:10:18,120 --> 01:10:20,560
Speaker 5: what's what's your next ten years look like for you?

1593
01:10:20,880 --> 01:10:23,639
Speaker 5: What would you like to take the company? Like, what's

1594
01:10:23,680 --> 01:10:25,120
Speaker 5: your I know you say you're writing a book, Like

1595
01:10:25,600 --> 01:10:27,360
Speaker 5: what's on your vision board for this year in the

1596
01:10:27,439 --> 01:10:28,240
Speaker 5: next decade?

1597
01:10:28,479 --> 01:10:30,360
Speaker 2: You know, it's a it's a it's a really really

1598
01:10:30,400 --> 01:10:34,400
Speaker 2: great question, you know. And I've started to take life

1599
01:10:37,120 --> 01:10:39,439
Speaker 2: ten years at a time, you know, and then and

1600
01:10:39,520 --> 01:10:42,760
Speaker 2: then divide those ten years and to have so you know,

1601
01:10:42,880 --> 01:10:45,040
Speaker 2: so you know the first five and the second five,

1602
01:10:45,120 --> 01:10:48,840
Speaker 2: and and I was talking to my mentor about this,

1603
01:10:49,000 --> 01:10:52,400
Speaker 2: and and and you know, when I think about I'm

1604
01:10:52,439 --> 01:10:54,280
Speaker 2: thirty five, so I'm going to the second part of

1605
01:10:54,360 --> 01:10:55,439
Speaker 2: my forties, you know what I mean?

1606
01:10:55,520 --> 01:10:58,040
Speaker 6: And so I try to Yes, he said, he's thirty five. Yeah,

1607
01:10:58,760 --> 01:10:59,760
Speaker 6: these only thirty five.

1608
01:11:00,560 --> 01:11:02,840
Speaker 2: I was joking with you, like you gone in years,

1609
01:11:03,240 --> 01:11:05,599
Speaker 2: you know, there's a those are dog years, man, I'm

1610
01:11:05,960 --> 01:11:09,800
Speaker 2: seventy five. But but for me, I want I think

1611
01:11:09,800 --> 01:11:12,640
Speaker 2: the next goal that we that we after is on

1612
01:11:12,720 --> 01:11:14,240
Speaker 2: the on the finance side, is we want to we

1613
01:11:14,320 --> 01:11:17,400
Speaker 2: want to build you know, you know this black owned

1614
01:11:17,560 --> 01:11:20,680
Speaker 2: ri as. That's that's managing over a billion dollars. So

1615
01:11:20,800 --> 01:11:24,719
Speaker 2: that's that's the goal financially. Can you imagine how powerful

1616
01:11:24,760 --> 01:11:26,479
Speaker 2: that is to have the biggest names in the world,

1617
01:11:26,479 --> 01:11:29,400
Speaker 2: who have the biggest influence and their money has been protected,

1618
01:11:29,479 --> 01:11:31,680
Speaker 2: grown and transferred. And you have a you have a

1619
01:11:31,880 --> 01:11:34,800
Speaker 2: you have a collective family, a lifeline that has a

1620
01:11:34,880 --> 01:11:37,040
Speaker 2: being out as an assets. I mean that's that's gonna

1621
01:11:37,040 --> 01:11:40,519
Speaker 2: be that's gonna be incredible, you know. So that's that's

1622
01:11:40,600 --> 01:11:42,160
Speaker 2: kind of like what we what we what we what

1623
01:11:42,240 --> 01:11:44,479
Speaker 2: we eyeing on? But I'll tell you guys earlier, my

1624
01:11:44,600 --> 01:11:46,920
Speaker 2: goal is I look at you know, if you look

1625
01:11:46,960 --> 01:11:49,640
Speaker 2: at like the Goldman, Sacks or Merrill Lynch, I mean,

1626
01:11:49,680 --> 01:11:50,400
Speaker 2: those are human beings.

1627
01:11:50,479 --> 01:11:50,559
Speaker 5: Right.

1628
01:11:50,560 --> 01:11:52,320
Speaker 2: There's a guy named marylyn this guy named Lynch. There

1629
01:11:52,320 --> 01:11:54,040
Speaker 2: was a guy named Goldman, and the guy named Sacks.

1630
01:11:54,080 --> 01:11:56,080
Speaker 2: Like you know what I mean, Like when you look

1631
01:11:56,080 --> 01:11:58,800
Speaker 2: at Morgan Stanley or JP Morgan, those are people, right,

1632
01:11:59,400 --> 01:12:01,760
Speaker 2: and obviously they did what they did to get it there.

1633
01:12:02,240 --> 01:12:04,759
Speaker 2: We're gonna do hours differently. But I want to build

1634
01:12:05,320 --> 01:12:08,000
Speaker 2: my My hearted year plan is to build a black

1635
01:12:08,080 --> 01:12:10,719
Speaker 2: dynasty like that, right and and be able to protect

1636
01:12:10,760 --> 01:12:13,759
Speaker 2: and grow and and uh and transfer Black Wolf globally.

1637
01:12:14,120 --> 01:12:14,240
Speaker 6: Right.

1638
01:12:14,320 --> 01:12:14,840
Speaker 3: So if you're in.

1639
01:12:14,840 --> 01:12:18,240
Speaker 2: South to South America, uh, you know obviously the continent,

1640
01:12:18,600 --> 01:12:19,559
Speaker 2: you know North America.

1641
01:12:20,160 --> 01:12:20,240
Speaker 7: Uh.

1642
01:12:20,640 --> 01:12:22,600
Speaker 2: And and you want a place man where people to

1643
01:12:22,640 --> 01:12:24,840
Speaker 2: look like you, where you you want to you, where

1644
01:12:24,920 --> 01:12:27,439
Speaker 2: you're you're a dynamic. You have a place where people

1645
01:12:27,560 --> 01:12:29,240
Speaker 2: look like you can manage your money. And then if

1646
01:12:29,240 --> 01:12:31,479
Speaker 2: you're somebody like, if you someone like me or Rashad

1647
01:12:31,520 --> 01:12:33,040
Speaker 2: or you want to work in this business, you have

1648
01:12:33,080 --> 01:12:33,880
Speaker 2: a place you can come.

1649
01:12:34,120 --> 01:12:36,120
Speaker 3: You know what I'm saying. And uh iris joke.

1650
01:12:36,160 --> 01:12:38,400
Speaker 2: If you come to Lifeline headquarters, man, you'll see like

1651
01:12:38,600 --> 01:12:40,240
Speaker 2: it'll feel like Spellman in the.

1652
01:12:40,960 --> 01:12:44,439
Speaker 3: Morehouse had a baby. You know what I'm saying. It's beautiful.

1653
01:12:44,920 --> 01:12:46,640
Speaker 2: So I want to build something that's gonna last a

1654
01:12:46,680 --> 01:12:48,639
Speaker 2: test of time. And that's why, like I don't sell

1655
01:12:48,720 --> 01:12:50,680
Speaker 2: my company no matter how many like offers I get

1656
01:12:50,720 --> 01:12:53,320
Speaker 2: from these wirehouses. I want to I want to see

1657
01:12:53,360 --> 01:12:54,639
Speaker 2: something that can stand the test of time.

1658
01:12:55,400 --> 01:12:58,040
Speaker 6: Powerful. Yeah, how often do you go back to Uganda?

1659
01:12:58,320 --> 01:13:01,920
Speaker 6: Because I was reading right? Yeah, you have a son, yeah,

1660
01:13:02,439 --> 01:13:03,479
Speaker 6: two boys, two boys?

1661
01:13:03,560 --> 01:13:06,519
Speaker 7: Yeah, and so like they've never this is interesting when

1662
01:13:06,560 --> 01:13:10,479
Speaker 7: we talk about generational wealth and generational freedom. They've never

1663
01:13:10,600 --> 01:13:13,240
Speaker 7: seen your father's hard work and mom's hard work.

1664
01:13:13,360 --> 01:13:13,559
Speaker 1: Yeah.

1665
01:13:13,800 --> 01:13:16,120
Speaker 7: Yeah, they see you work, and it's like, Okay, daddy

1666
01:13:16,160 --> 01:13:18,360
Speaker 7: has a cool job. But how do we get to

1667
01:13:18,600 --> 01:13:21,519
Speaker 7: the point where we instill those those values and those

1668
01:13:21,560 --> 01:13:24,240
Speaker 7: morals inside of them so they can continue the legacy?

1669
01:13:24,520 --> 01:13:24,720
Speaker 5: Yeah?

1670
01:13:24,880 --> 01:13:25,519
Speaker 3: Not great question.

1671
01:13:25,640 --> 01:13:26,240
Speaker 5: And you know.

1672
01:13:28,160 --> 01:13:29,519
Speaker 3: And you got kids too, right too?

1673
01:13:29,600 --> 01:13:32,040
Speaker 2: Yeah, you have any yeah, sorry, Yeah, So you know,

1674
01:13:32,240 --> 01:13:34,160
Speaker 2: like all of us are being successful, it's like you

1675
01:13:35,280 --> 01:13:37,960
Speaker 2: you want to do enough for your children that that

1676
01:13:38,040 --> 01:13:39,680
Speaker 2: they get a fair shot at this thing. And they

1677
01:13:39,880 --> 01:13:41,400
Speaker 2: you know what I mean, and that they have everything

1678
01:13:41,439 --> 01:13:43,600
Speaker 2: they need to be successful. But you don't want to

1679
01:13:43,640 --> 01:13:45,280
Speaker 2: do too much to whether you rob them or their

1680
01:13:45,280 --> 01:13:48,680
Speaker 2: own story, because that's the key in life, is your story, right,

1681
01:13:48,720 --> 01:13:51,800
Speaker 2: because it's never about like what you become, but it's

1682
01:13:51,840 --> 01:13:52,759
Speaker 2: about who you become.

1683
01:13:52,960 --> 01:13:53,120
Speaker 6: Right.

1684
01:13:53,320 --> 01:13:55,439
Speaker 2: And so when I think about my sons who are

1685
01:13:55,479 --> 01:13:57,600
Speaker 2: going to come into a world of opulence. You know,

1686
01:13:58,280 --> 01:14:01,040
Speaker 2: my oldest who's seven, like I teach him, you know,

1687
01:14:01,200 --> 01:14:04,160
Speaker 2: you you spend a third, you save a third, you

1688
01:14:04,240 --> 01:14:07,960
Speaker 2: give a third. I keep it that simple, right, and uh,

1689
01:14:08,040 --> 01:14:09,479
Speaker 2: And when he's old enough, I do want to take

1690
01:14:09,520 --> 01:14:12,120
Speaker 2: him back home. So for example, for his full break,

1691
01:14:13,280 --> 01:14:14,600
Speaker 2: you know, I took him and we just spent like

1692
01:14:14,680 --> 01:14:18,240
Speaker 2: five days an orphanages, you know what I mean, like cooking, cleaning,

1693
01:14:18,439 --> 01:14:21,200
Speaker 2: playing with the kids. And and after we left the orphanage,

1694
01:14:21,200 --> 01:14:22,479
Speaker 2: I said, I said, what was it so important? What

1695
01:14:22,479 --> 01:14:23,720
Speaker 2: do you think it was so important for me to

1696
01:14:24,280 --> 01:14:26,559
Speaker 2: that we that we spend time doing this? And he said, well, Papa,

1697
01:14:26,720 --> 01:14:30,120
Speaker 2: he said two reasons. One so I can bring joy

1698
01:14:30,200 --> 01:14:32,400
Speaker 2: to others and then two so I can be more

1699
01:14:32,400 --> 01:14:34,320
Speaker 2: grateful for the life that I do have. You know,

1700
01:14:34,880 --> 01:14:37,720
Speaker 2: so it's important that you don't you don't shelter them

1701
01:14:37,760 --> 01:14:39,280
Speaker 2: and like you put them that they can just kind

1702
01:14:39,320 --> 01:14:41,519
Speaker 2: of see and be more grateful for the life that

1703
01:14:41,560 --> 01:14:43,840
Speaker 2: they do have. So, you know, I used to go

1704
01:14:43,920 --> 01:14:46,120
Speaker 2: back to Uganda man every two years, but right now

1705
01:14:46,160 --> 01:14:51,080
Speaker 2: there's like a lot of political conflict. My brother Bobby Wine,

1706
01:14:51,240 --> 01:14:55,719
Speaker 2: who's the people's elected president. You know, we still stuff

1707
01:14:55,720 --> 01:14:58,160
Speaker 2: from from a dictator you're in the seventy who's killing

1708
01:14:58,240 --> 01:15:02,080
Speaker 2: everybody and and literally using the country as his uh

1709
01:15:02,520 --> 01:15:05,479
Speaker 2: piggy bank and putting his army everywhere. And we're still

1710
01:15:05,479 --> 01:15:07,200
Speaker 2: going through the same genocide today that we went through

1711
01:15:07,280 --> 01:15:08,800
Speaker 2: that we were going through back in the sixth in

1712
01:15:08,840 --> 01:15:11,960
Speaker 2: the seventies and eighties. So it's not safe to bring

1713
01:15:12,000 --> 01:15:14,840
Speaker 2: my kids, uh, but one day with my when my

1714
01:15:14,880 --> 01:15:18,439
Speaker 2: brother Bobby wants president, will will rejoice to free you Ganda.

1715
01:15:18,520 --> 01:15:20,320
Speaker 2: And I can't wait to bring my sons to the

1716
01:15:20,760 --> 01:15:22,040
Speaker 2: to the village I grew up and so they can

1717
01:15:22,080 --> 01:15:23,960
Speaker 2: see with the whole, you know, with their own with

1718
01:15:24,040 --> 01:15:26,240
Speaker 2: their own lives because we right now, I'm the oldest man.

1719
01:15:26,360 --> 01:15:28,519
Speaker 2: You know, he'll he'll not finish his food now, be

1720
01:15:28,560 --> 01:15:30,479
Speaker 2: like finish your food. He'll come back to the dinner table.

1721
01:15:30,880 --> 01:15:33,120
Speaker 3: You know. Okay, I know, I know it's from you,

1722
01:15:33,439 --> 01:15:34,240
Speaker 3: from you Ghanda.

1723
01:15:37,080 --> 01:15:40,040
Speaker 5: Yeah, they wish they had where was playing basketball?

1724
01:15:40,439 --> 01:15:42,479
Speaker 6: Was that Wanda, Rwanda?

1725
01:15:42,640 --> 01:15:42,840
Speaker 1: Yeah?

1726
01:15:43,040 --> 01:15:43,920
Speaker 3: Yeah, that's our neighbor.

1727
01:15:44,120 --> 01:15:46,160
Speaker 5: Yeah right, that's that's next door, right right next door.

1728
01:15:46,280 --> 01:15:49,640
Speaker 3: Yeah yeah, but I can't wait. Man, can you imagine.

1729
01:15:49,280 --> 01:15:50,519
Speaker 6: We're we're coming with you.

1730
01:15:50,720 --> 01:15:53,760
Speaker 3: That be incredible, y friend, you Ganda, We're gonna do

1731
01:15:53,800 --> 01:15:54,400
Speaker 3: this and U Ganda.

1732
01:15:55,120 --> 01:15:56,160
Speaker 5: You know that's a fact.

1733
01:15:56,240 --> 01:15:58,040
Speaker 3: We new president. It's gonna be, It's gonna be, It's

1734
01:15:58,040 --> 01:15:58,679
Speaker 3: gonna be incredible.

1735
01:15:58,760 --> 01:16:00,920
Speaker 5: Yeah, we definitely owe Africa second visit. We went a

1736
01:16:00,960 --> 01:16:03,000
Speaker 5: couple of months ago. We went to uh We went

1737
01:16:03,040 --> 01:16:05,880
Speaker 5: to Lakeos, Nigeria, and we went to Egypt. So it

1738
01:16:06,000 --> 01:16:07,800
Speaker 5: was good vibes out there. So now we gotta go back.

1739
01:16:07,840 --> 01:16:09,360
Speaker 5: We gotta go to Ghana. We gotta go all over.

1740
01:16:10,120 --> 01:16:11,719
Speaker 6: I just got a text about Ghana today.

1741
01:16:11,960 --> 01:16:12,160
Speaker 5: Yeah.

1742
01:16:12,760 --> 01:16:14,960
Speaker 2: Well you know the I told him, I tell uh,

1743
01:16:15,400 --> 01:16:16,960
Speaker 2: I tell him my friends. Master mean you got to

1744
01:16:17,000 --> 01:16:19,439
Speaker 2: go home you know, like go like, you know, go

1745
01:16:19,680 --> 01:16:21,920
Speaker 2: go back home. And because you know, we we we

1746
01:16:22,000 --> 01:16:23,960
Speaker 2: always get excited when we see our brothers from the states.

1747
01:16:24,120 --> 01:16:27,400
Speaker 3: You know, you guys got you never left.

1748
01:16:28,680 --> 01:16:31,240
Speaker 5: David shout out to him and we interviewed him and

1749
01:16:31,280 --> 01:16:33,280
Speaker 5: he was like, yeah, welcome home first and foremost, welcome home.

1750
01:16:33,320 --> 01:16:35,280
Speaker 3: We'll come home. Yeah. We get so excited when we

1751
01:16:35,280 --> 01:16:37,559
Speaker 3: see our brothers in the state. Man, we get so excited.

1752
01:16:37,680 --> 01:16:39,519
Speaker 3: So you gotta go see you gotta go see that.

1753
01:16:39,520 --> 01:16:41,120
Speaker 3: You gotta go see that. You gotta go to the continent.

1754
01:16:41,640 --> 01:16:42,080
Speaker 6: Absolutely.

1755
01:16:43,760 --> 01:16:46,200
Speaker 5: What would you like to leave the people with anything

1756
01:16:46,320 --> 01:16:48,760
Speaker 5: that you know? I know you're not only on social

1757
01:16:48,800 --> 01:16:50,760
Speaker 5: media like that. I would I usually ask like social

1758
01:16:50,800 --> 01:16:52,280
Speaker 5: media handles, but you can't say that if you want.

1759
01:16:52,360 --> 01:16:54,200
Speaker 5: But whatever you want to leave the people, you can.

1760
01:16:54,320 --> 01:16:54,559
Speaker 3: I don't.

1761
01:16:54,680 --> 01:16:56,320
Speaker 2: You know, I don't really post much, but you can

1762
01:16:56,360 --> 01:17:00,200
Speaker 2: find me at uh at Humble with the Peers at

1763
01:17:00,240 --> 01:17:03,680
Speaker 2: the end on on on ig and at h too

1764
01:17:03,760 --> 01:17:07,559
Speaker 2: Humble on Twitter. But for me, you know, my goal

1765
01:17:07,680 --> 01:17:11,040
Speaker 2: is to help people transform tragedy to triumph. Like you know,

1766
01:17:12,479 --> 01:17:15,920
Speaker 2: it's wherever you find yourself, right, whether it's whatever dream

1767
01:17:15,960 --> 01:17:18,639
Speaker 2: you might have, man, like whether it's starting your own

1768
01:17:18,640 --> 01:17:22,479
Speaker 2: financial firm, or or creating you know, a legendary platform

1769
01:17:22,520 --> 01:17:26,200
Speaker 2: to educate the masses, or whatever whatever your dream is, man,

1770
01:17:26,240 --> 01:17:28,160
Speaker 2: let's go, just go do it, you know what I mean,

1771
01:17:28,320 --> 01:17:30,120
Speaker 2: Just go do it. And what I found, what I

1772
01:17:30,200 --> 01:17:31,439
Speaker 2: find in life is like people.

1773
01:17:31,920 --> 01:17:32,200
Speaker 3: People.

1774
01:17:32,760 --> 01:17:34,800
Speaker 2: The reason why peop don't achieve their goals is they

1775
01:17:35,200 --> 01:17:39,080
Speaker 2: they don't have an accurate gauge. They overestimate their skill

1776
01:17:39,160 --> 01:17:43,040
Speaker 2: set and they overestimate their work ethic. So if you're

1777
01:17:43,040 --> 01:17:45,439
Speaker 2: out there, man, it's like have an accurate gauge on

1778
01:17:45,520 --> 01:17:47,280
Speaker 2: your like your skill set, which that beau then it

1779
01:17:47,320 --> 01:17:49,560
Speaker 2: allows you to like keep working and getting better and

1780
01:17:49,680 --> 01:17:52,280
Speaker 2: have an accurate gauge on your work ethic. Because man,

1781
01:17:52,360 --> 01:17:55,200
Speaker 2: you can do anything you want to do. And in America, man,

1782
01:17:55,360 --> 01:17:59,559
Speaker 2: you know, has its America obviously has its, has its pain,

1783
01:17:59,640 --> 01:18:02,160
Speaker 2: and and it has so much that it has to

1784
01:18:02,240 --> 01:18:05,800
Speaker 2: grow from. But I don't know anywhere else, man, where

1785
01:18:05,840 --> 01:18:08,080
Speaker 2: a kid can come from a mud hut in Uganda

1786
01:18:08,800 --> 01:18:11,000
Speaker 2: and build what I've built, you know what I mean,

1787
01:18:11,160 --> 01:18:16,120
Speaker 2: in one generation, you know what I mean. So I

1788
01:18:16,240 --> 01:18:19,640
Speaker 2: remember I remember coming to this country, man, and I

1789
01:18:19,720 --> 01:18:22,880
Speaker 2: couldn't believe that if you went to a particular spot

1790
01:18:22,960 --> 01:18:24,960
Speaker 2: in your neighborhood, this yellow bus would pick you up

1791
01:18:24,960 --> 01:18:27,479
Speaker 2: in the morning, and then this bus would drive you

1792
01:18:28,120 --> 01:18:30,240
Speaker 2: to this school. You have to pay to go to

1793
01:18:30,320 --> 01:18:30,679
Speaker 2: the school.

1794
01:18:30,760 --> 01:18:31,280
Speaker 3: You know what I mean.

1795
01:18:31,560 --> 01:18:32,920
Speaker 2: You would get out of this school and then you

1796
01:18:32,960 --> 01:18:35,840
Speaker 2: would have all these teachers who are all really really

1797
01:18:36,080 --> 01:18:38,720
Speaker 2: knowledgeable on different subjects, and they'll teach you math and

1798
01:18:38,920 --> 01:18:43,439
Speaker 2: science and English and social studies, you name it. If

1799
01:18:43,479 --> 01:18:45,760
Speaker 2: you didn't have lunch, you can get free lunch, and

1800
01:18:45,840 --> 01:18:48,400
Speaker 2: then you got to take the books home. And then

1801
01:18:48,479 --> 01:18:49,960
Speaker 2: if you at the end of the school, if you

1802
01:18:50,000 --> 01:18:51,840
Speaker 2: went to the same place that bus dropped you off

1803
01:18:51,920 --> 01:18:53,439
Speaker 2: at in the morning, they'll take you and pick you

1804
01:18:53,520 --> 01:18:54,040
Speaker 2: up in the morning.

1805
01:18:55,200 --> 01:18:55,720
Speaker 3: You know what I mean.

1806
01:18:55,800 --> 01:18:57,599
Speaker 2: I'm from a mud hut and you God couldn't believe

1807
01:18:57,640 --> 01:19:00,760
Speaker 2: this shit. I was like, where am I? Where am I?

1808
01:19:01,120 --> 01:19:04,760
Speaker 2: You know what I'm saying. And and when you come

1809
01:19:04,840 --> 01:19:09,479
Speaker 2: to this you know, and there's a there's a there's

1810
01:19:09,600 --> 01:19:12,880
Speaker 2: an appreciation that I want people to have when you

1811
01:19:12,960 --> 01:19:16,280
Speaker 2: grow up in this country. And and I'm not saying

1812
01:19:16,360 --> 01:19:18,960
Speaker 2: man that I'm not saying any any place is perfect,

1813
01:19:19,439 --> 01:19:22,000
Speaker 2: but there is an opportunity here where you can be

1814
01:19:22,360 --> 01:19:26,040
Speaker 2: whatever you can literally change the trajectory of your family's life.

1815
01:19:27,320 --> 01:19:29,280
Speaker 2: And so I want to be an example for people

1816
01:19:29,400 --> 01:19:31,000
Speaker 2: to look at my story and say, man, this kid

1817
01:19:31,080 --> 01:19:35,640
Speaker 2: lost everything. You're right, he he came from genocide and

1818
01:19:35,680 --> 01:19:38,840
Speaker 2: is Uganda and he came here and built, you know,

1819
01:19:39,040 --> 01:19:42,080
Speaker 2: and and and was able to build something something big.

1820
01:19:42,240 --> 01:19:42,400
Speaker 5: Right.

1821
01:19:43,560 --> 01:19:45,000
Speaker 3: It's not that so much.

1822
01:19:45,040 --> 01:19:47,519
Speaker 2: It's not that it's been easy, but it's been meaningful,

1823
01:19:47,600 --> 01:19:49,080
Speaker 2: you know what I mean. So my last words, just

1824
01:19:49,160 --> 01:19:53,519
Speaker 2: like whever Herbert was watching this is don't don't don't

1825
01:19:53,560 --> 01:19:56,600
Speaker 2: look and find and don't look and find faults of

1826
01:19:56,720 --> 01:19:59,879
Speaker 2: why you can't do something man like, look and find inspiration,

1827
01:20:00,160 --> 01:20:00,640
Speaker 2: you know what I mean?

1828
01:20:00,680 --> 01:20:02,599
Speaker 3: And I hope I can be that for somebody today.

1829
01:20:03,040 --> 01:20:05,080
Speaker 5: There you have, ladies and gentlemen, Troy house Keeping.

1830
01:20:05,080 --> 01:20:08,200
Speaker 6: I am man, powerful, Powerful. Shout to everybody on patreon

1831
01:20:08,240 --> 01:20:08,519
Speaker 6: dot com.

1832
01:20:08,560 --> 01:20:11,280
Speaker 7: Shout to all our euy L University members, all the

1833
01:20:11,320 --> 01:20:13,439
Speaker 7: earners that are in there, over twelve thousand of you.

1834
01:20:13,600 --> 01:20:15,160
Speaker 7: We love every single one of you. Shout to all

1835
01:20:15,200 --> 01:20:18,640
Speaker 7: our professors for just educating the masses. Shout out to

1836
01:20:18,680 --> 01:20:20,360
Speaker 7: the whole team man, Shout out to the merged team.

1837
01:20:21,560 --> 01:20:24,960
Speaker 7: It's been an incredible journey man, and I'm just uplifted man,

1838
01:20:25,000 --> 01:20:27,080
Speaker 7: shout shout the humble for blessing us today. Man, I

1839
01:20:27,120 --> 01:20:28,200
Speaker 7: greatly appreciate you being there.

1840
01:20:28,560 --> 01:20:31,800
Speaker 5: Yeah, for sure, thank you guys. Rock and West will shout.

1841
01:20:31,320 --> 01:20:31,760
Speaker 6: Out to y'all.

1842
01:20:31,840 --> 01:20:36,599
Speaker 3: Man, guys are legendary. I think I've done like two interviews.

1843
01:20:36,680 --> 01:20:36,840
Speaker 5: Man.

1844
01:20:37,960 --> 01:20:39,479
Speaker 6: That's why I say he said google them good luck.

1845
01:20:40,880 --> 01:20:42,680
Speaker 6: This will be the deestimony, right, you.

1846
01:20:42,720 --> 01:20:43,559
Speaker 4: Got you guys.

1847
01:20:43,600 --> 01:20:44,639
Speaker 3: I want to give you flowers.

1848
01:20:44,720 --> 01:20:44,880
Speaker 5: Man.

1849
01:20:46,080 --> 01:20:49,880
Speaker 2: Man, I wish there are words to adequately describe how

1850
01:20:49,960 --> 01:20:54,880
Speaker 2: important what you guys are doing. You are leveling the

1851
01:20:54,960 --> 01:20:58,360
Speaker 2: playing field and giving everybody access to information to transform

1852
01:20:58,439 --> 01:21:01,200
Speaker 2: their lives. I mean, you got continue to be blessed,

1853
01:21:01,680 --> 01:21:05,400
Speaker 2: continue to be successful. I made the good Lord bless

1854
01:21:05,439 --> 01:21:06,280
Speaker 2: the hands of your work.

1855
01:21:06,840 --> 01:21:07,000
Speaker 7: You know.

1856
01:21:07,520 --> 01:21:08,679
Speaker 6: Look that's people say. Amen.

1857
01:21:08,840 --> 01:21:11,519
Speaker 5: Amen, Amen, all right, God, thank you for Rock West.

1858
01:21:11,520 --> 01:21:12,200
Speaker 5: To see you next week.

1859
01:21:12,280 --> 01:21:18,599
Speaker 4: Peace Please, my graduates from my school being forced bad

1860
01:21:18,760 --> 01:21:23,360
Speaker 4: drop b drop my drop, bad drop drop.

1861
01:21:34,280 --> 01:21:38,120
Speaker 1: You just realized your business needed to hire someone yesterday.

1862
01:21:38,680 --> 01:21:41,000
Speaker 1: How can you find amazing candidates fast?

1863
01:21:41,600 --> 01:21:41,920
Speaker 6: Easy?

1864
01:21:42,439 --> 01:21:45,799
Speaker 1: Just use indeed, stop struggling to get your job posts

1865
01:21:45,800 --> 01:21:49,519
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1866
01:21:49,600 --> 01:21:51,519
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1867
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1868
01:21:55,439 --> 01:21:59,160
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1870
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1872
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