1
00:00:00,160 --> 00:00:03,080
Speaker 1: Listening makes us smarter, more connected people. It makes us

2
00:00:03,080 --> 00:00:06,240
Speaker 1: better partners, parents, and leaders, and there's no better place

3
00:00:06,280 --> 00:00:09,280
Speaker 1: to start listening than Audible. Audible is where so many

4
00:00:09,320 --> 00:00:12,600
Speaker 1: inspiring voices and compelling stories open listeners up to new

5
00:00:12,640 --> 00:00:15,760
Speaker 1: experiences in ways of thinking. Audible members now get more

6
00:00:15,800 --> 00:00:18,880
Speaker 1: than ever before. Members choose three titles every month, one

7
00:00:18,880 --> 00:00:22,000
Speaker 1: audiobook plus two Audible originals that you can't hear anywhere else.

8
00:00:22,320 --> 00:00:24,760
Speaker 1: Members also have unlimited access to more than a hundred

9
00:00:24,840 --> 00:00:29,280
Speaker 1: audio guided fitness and meditation programs. Audible delivers best sellers, business,

10
00:00:29,280 --> 00:00:33,360
Speaker 1: self improvement memoirs, and more, all professionally narrated by actors, authors,

11
00:00:33,360 --> 00:00:37,400
Speaker 1: and motivational superstars like Rachel Hollis, David Goggins, and Mel Robbins.

12
00:00:37,479 --> 00:00:39,879
Speaker 1: Audible members can also get free access to the New

13
00:00:39,960 --> 00:00:43,000
Speaker 1: York Times, Wall Street Journal, and Washington Post delivered daily

14
00:00:43,040 --> 00:00:45,479
Speaker 1: to the Audible app. With a convenient app, members can

15
00:00:45,520 --> 00:00:48,640
Speaker 1: access Audible any time at the gem, while commuting or

16
00:00:48,680 --> 00:00:51,040
Speaker 1: on the go, and on any device will always pick

17
00:00:51,200 --> 00:00:54,160
Speaker 1: right back up where you left off. Audible also offers

18
00:00:54,160 --> 00:00:56,920
Speaker 1: free and easy audiobook exchanges. Credits you can roll over

19
00:00:56,960 --> 00:00:59,639
Speaker 1: for a year in a library you keep forever, even

20
00:00:59,680 --> 00:01:02,320
Speaker 1: if you cancel. Explore all the ways listening on Audible

21
00:01:02,360 --> 00:01:06,360
Speaker 1: can help improve mind, body, and soul with entertainment, information

22
00:01:06,600 --> 00:01:08,800
Speaker 1: and inspiration. You can get titles from your favorite I

23
00:01:08,880 --> 00:01:12,000
Speaker 1: Heeart talent such as Chelsea Handler, Danny Shapiro, Charlemagne the God,

24
00:01:12,040 --> 00:01:14,399
Speaker 1: and Bobby Bones on Audible. Start listening now with a

25
00:01:14,440 --> 00:01:17,360
Speaker 1: thirty day Audible trial and your first audiobook plus two

26
00:01:17,360 --> 00:01:20,880
Speaker 1: Audible originals are free. Visit audible dot com, slash I

27
00:01:21,040 --> 00:01:24,280
Speaker 1: heart or text I Heeart to five hundred, five hundred.

28
00:01:29,360 --> 00:01:31,680
Speaker 1: Welcome to money Making Conversations. It's to show that she

29
00:01:31,720 --> 00:01:34,480
Speaker 1: has the secrets of success experience firsthand by marketing and

30
00:01:34,560 --> 00:01:37,480
Speaker 1: Brandon expert Rashan McDonald. I will know he's given me

31
00:01:37,520 --> 00:01:40,440
Speaker 1: advice to many occasions, and the occasion didn't notice. I'm

32
00:01:40,440 --> 00:01:43,640
Speaker 1: not broke. You know. He'll be interview with celebrity CEOs,

33
00:01:43,880 --> 00:01:46,920
Speaker 1: entrepreneurs and industry decision makers. It's what he likes to do,

34
00:01:47,160 --> 00:01:49,520
Speaker 1: it's what he likes to share. Now it's time to

35
00:01:49,560 --> 00:01:53,560
Speaker 1: hear from my man, Rashan McDonald. Money making conversations Here

36
00:01:53,600 --> 00:01:57,000
Speaker 1: we come. Welcome to money making conversation. That's right. I

37
00:01:57,080 --> 00:02:00,600
Speaker 1: am your host Rashan McDonald. My next guest is say,

38
00:02:00,840 --> 00:02:04,640
Speaker 1: a true leader in the Balanced Life calgory. She's the

39
00:02:04,640 --> 00:02:08,160
Speaker 1: owner instructor of a Sugar Glider Kitchen, a baking school

40
00:02:08,160 --> 00:02:11,080
Speaker 1: in Hartford, Vermont. She lives in a small farm. She

41
00:02:11,120 --> 00:02:13,760
Speaker 1: lives on a small farm with her husband, two dogs,

42
00:02:13,760 --> 00:02:16,880
Speaker 1: two cats, and chickens. I love the chicken part. She

43
00:02:17,040 --> 00:02:19,839
Speaker 1: bakes and cooks from the bounty of her property. She's

44
00:02:19,880 --> 00:02:22,200
Speaker 1: the author Baking Like You Mean It, which I love,

45
00:02:22,760 --> 00:02:26,560
Speaker 1: Leave Let Them Eat Cake, My Life from Scratch, Sugar Baby,

46
00:02:26,600 --> 00:02:29,360
Speaker 1: and Pie and Pie Forward, and has been featured in

47
00:02:29,400 --> 00:02:34,760
Speaker 1: Better Homes and Garden, People Magazine, US Yankee Magazine, and

48
00:02:34,800 --> 00:02:37,640
Speaker 1: in Style Magazine, just to name a few. She's piers

49
00:02:37,720 --> 00:02:41,320
Speaker 1: regularly on regularly on The Today's Show and The Talk

50
00:02:41,600 --> 00:02:45,280
Speaker 1: and she's the host of Food Networks Baked in Vermont.

51
00:02:45,520 --> 00:02:48,880
Speaker 1: She lives in Hartford fromont. I just got back from there.

52
00:02:49,200 --> 00:02:55,040
Speaker 1: Please welcome to Money Making Conversation, Jina Bullock, produ Thank

53
00:02:55,040 --> 00:02:57,720
Speaker 1: you for having me. I was corrected on everything right,

54
00:02:57,919 --> 00:03:01,880
Speaker 1: I was great, great, And it's so nice to talk

55
00:03:01,919 --> 00:03:06,320
Speaker 1: to a fellow baker. You okay, like you know, let's

56
00:03:06,360 --> 00:03:10,280
Speaker 1: let's get this right, Okay, fellow baker. You'll be nice.

57
00:03:10,360 --> 00:03:14,760
Speaker 1: You are like the Lebron baking Okay, Roshan McDonald's like

58
00:03:14,760 --> 00:03:17,880
Speaker 1: a high first round draft pick. Okay, don't you know?

59
00:03:18,160 --> 00:03:20,560
Speaker 1: Told I know the game. I can drible, I can

60
00:03:20,639 --> 00:03:23,560
Speaker 1: dog still, you know I have an up and down

61
00:03:23,680 --> 00:03:27,000
Speaker 1: game here and there. But you are the Lebron. So

62
00:03:27,639 --> 00:03:34,360
Speaker 1: let's get that straight. Okay, thank you. Well you should

63
00:03:34,400 --> 00:03:36,080
Speaker 1: be because of the fact that, first of all, I

64
00:03:36,200 --> 00:03:38,080
Speaker 1: read your book and let me get a little history

65
00:03:38,120 --> 00:03:42,480
Speaker 1: about me, Roshan McDonald. I'm my wife always complained, she said,

66
00:03:42,920 --> 00:03:46,560
Speaker 1: anything I do, I'm good at. Okay. In twelve, I

67
00:03:46,640 --> 00:03:49,200
Speaker 1: was pranked on a talk show that I co created

68
00:03:49,200 --> 00:03:52,320
Speaker 1: with Steve Harvey to bake a cake and I wind

69
00:03:52,400 --> 00:03:55,080
Speaker 1: up baking three cakes. And that's twelve and I launched

70
00:03:55,080 --> 00:03:58,920
Speaker 1: into a baking career, never baking anything prior to that.

71
00:03:59,440 --> 00:04:03,640
Speaker 1: I have an You are natural. Are people who just

72
00:04:03,840 --> 00:04:06,920
Speaker 1: have a knack for it. It's it's in your blood.

73
00:04:07,080 --> 00:04:09,600
Speaker 1: You have butter in your blood. Absolutely. That's why it's

74
00:04:09,600 --> 00:04:12,560
Speaker 1: great that I met you finally, because she she being

75
00:04:12,720 --> 00:04:16,279
Speaker 1: natural means that I'm just in the kitchen. I do everything. Uh,

76
00:04:16,600 --> 00:04:19,359
Speaker 1: everything's measured. I'm not like my my mom. You know,

77
00:04:19,440 --> 00:04:21,119
Speaker 1: she just goes in and just pick up some sugar

78
00:04:21,120 --> 00:04:23,640
Speaker 1: in hand, just throw it in there, going really, mom,

79
00:04:23,800 --> 00:04:27,560
Speaker 1: really was that a half a cup? Or cup? Baby? Baby,

80
00:04:27,880 --> 00:04:30,760
Speaker 1: don't be bothering me. I'm cooking. I'm baking, okay. And

81
00:04:30,800 --> 00:04:33,640
Speaker 1: so so when I read your book, and I'm recommending

82
00:04:33,680 --> 00:04:36,560
Speaker 1: this book, I I want you your team to send

83
00:04:36,600 --> 00:04:39,400
Speaker 1: me a social media post so I can put on

84
00:04:39,440 --> 00:04:44,480
Speaker 1: all my social media. It's called Fantastical Cakes, okay, and

85
00:04:44,520 --> 00:04:46,200
Speaker 1: it's it's it's one of these books that you can

86
00:04:46,200 --> 00:04:48,600
Speaker 1: put on your coffee table if you want to, okay,

87
00:04:48,600 --> 00:04:51,040
Speaker 1: because the pictures are amazing, the book cover is amazing.

88
00:04:51,480 --> 00:04:55,520
Speaker 1: But when you open the book, she changed my life. Okay,

89
00:04:56,279 --> 00:04:59,200
Speaker 1: you change you know for me? Cake does? I mean?

90
00:04:59,240 --> 00:05:03,440
Speaker 1: It might sound silly and superficial, but cake and bake

91
00:05:03,520 --> 00:05:07,360
Speaker 1: goods can really change lives. And you know, you, being

92
00:05:07,360 --> 00:05:10,320
Speaker 1: a natural, you know how it feels to you to bake,

93
00:05:10,440 --> 00:05:14,000
Speaker 1: because for people who love to bake, it is meditative.

94
00:05:14,960 --> 00:05:18,640
Speaker 1: It is so crucial, especially when you feel like life

95
00:05:18,640 --> 00:05:21,520
Speaker 1: in the world isn't kind of going in the right

96
00:05:21,640 --> 00:05:24,960
Speaker 1: way or on the right path. You can find time

97
00:05:25,080 --> 00:05:29,280
Speaker 1: in your kitchen to create an environment where you find

98
00:05:29,360 --> 00:05:33,120
Speaker 1: happiness and your own meditative space, and that baking does

99
00:05:33,160 --> 00:05:34,839
Speaker 1: that for me. I'm sure it does it for you.

100
00:05:35,320 --> 00:05:38,400
Speaker 1: But the finished product too, if once you give it

101
00:05:38,440 --> 00:05:41,000
Speaker 1: to someone with all your heart and your soul put

102
00:05:41,040 --> 00:05:44,160
Speaker 1: into it, it can change someone else's life. Because you

103
00:05:44,200 --> 00:05:47,080
Speaker 1: don't need a ham sandwich for a wedding. You eat

104
00:05:47,120 --> 00:05:50,120
Speaker 1: the wedding cake. Right, That's the big thing things anniversaries.

105
00:05:50,680 --> 00:05:53,359
Speaker 1: You know, now they're making divorce cakes whatever, but it

106
00:05:53,440 --> 00:05:55,679
Speaker 1: is one of those things that you need that cake

107
00:05:55,880 --> 00:05:59,040
Speaker 1: to know that this is a moment of great celebration

108
00:05:59,160 --> 00:06:00,680
Speaker 1: and to me, that could be any day, that could

109
00:06:00,680 --> 00:06:03,640
Speaker 1: be every day. It should be, but you know, and

110
00:06:03,680 --> 00:06:05,880
Speaker 1: then I've had customers when I did have a pastry

111
00:06:05,880 --> 00:06:08,760
Speaker 1: shop who had memories like when how you said your

112
00:06:08,760 --> 00:06:11,360
Speaker 1: mom baked or how she bakes. Is that there's some

113
00:06:11,400 --> 00:06:14,680
Speaker 1: people who they're like, I missed my mom. She made

114
00:06:14,720 --> 00:06:17,599
Speaker 1: this thing. She did exactly what your mom does that

115
00:06:17,680 --> 00:06:20,360
Speaker 1: she didn't measure, and they're like, I need this back

116
00:06:20,400 --> 00:06:22,520
Speaker 1: in my life because I miss her so much, and

117
00:06:22,600 --> 00:06:24,760
Speaker 1: being able to have that in my life again will

118
00:06:24,800 --> 00:06:28,600
Speaker 1: recall her memory and being the baker who can recreate

119
00:06:28,640 --> 00:06:32,120
Speaker 1: those memories for someone is such a special thing. It's

120
00:06:32,120 --> 00:06:35,000
Speaker 1: like it is. It is the gift God gave me

121
00:06:35,040 --> 00:06:38,120
Speaker 1: to be able to create things that bring back memories

122
00:06:38,120 --> 00:06:40,720
Speaker 1: for people. And thank you for doing it, and thank you.

123
00:06:40,920 --> 00:06:42,600
Speaker 1: We're going to talk about later because I had too.

124
00:06:42,640 --> 00:06:44,960
Speaker 1: Breaks with you are about you making that transition and

125
00:06:45,279 --> 00:06:48,320
Speaker 1: following your path your blessing, and that's what you're doing

126
00:06:48,320 --> 00:06:50,360
Speaker 1: in your life. You're living your blessing here. But let's

127
00:06:50,400 --> 00:06:53,240
Speaker 1: talk about the book here and why Rashan is so

128
00:06:53,320 --> 00:06:56,040
Speaker 1: passionate about the book. See, I just I just bought

129
00:06:56,080 --> 00:06:59,480
Speaker 1: a new oven. I had uh a wolf oven, okay

130
00:06:59,800 --> 00:07:04,440
Speaker 1: and um, and I automatically assumed that when I it

131
00:07:04,520 --> 00:07:06,840
Speaker 1: was brand new, it was only three weeks old. Okay,

132
00:07:06,839 --> 00:07:09,400
Speaker 1: So this is a good conversation with me. Okay, So

133
00:07:09,840 --> 00:07:11,680
Speaker 1: I put you know, I got a bottom in the

134
00:07:11,720 --> 00:07:13,680
Speaker 1: top because I bake all the time. Every Tuesday, I

135
00:07:13,720 --> 00:07:16,920
Speaker 1: baked six desserts for my staff in my Atlanta in

136
00:07:16,920 --> 00:07:19,400
Speaker 1: my Atlanta office. I'm just saying often I bake, okay,

137
00:07:21,760 --> 00:07:24,160
Speaker 1: and so and so I I put it on three

138
00:07:24,160 --> 00:07:26,600
Speaker 1: fifty or three seventy five or four hundred, but I

139
00:07:26,760 --> 00:07:32,240
Speaker 1: noticed it was something off with with the heat, and

140
00:07:32,280 --> 00:07:34,200
Speaker 1: so I wrote it out. I wrote it out, and

141
00:07:34,240 --> 00:07:37,640
Speaker 1: then I opened her book and she said, dummy, she

142
00:07:37,720 --> 00:07:40,600
Speaker 1: might well just said that to me. Don't trust the

143
00:07:40,760 --> 00:07:43,800
Speaker 1: other don't say that to me, because I was. I

144
00:07:43,840 --> 00:07:46,640
Speaker 1: trusted the system. She said, Look, I'm sorry to be

145
00:07:46,680 --> 00:07:49,600
Speaker 1: the one to tell you this, but the most necessary

146
00:07:49,640 --> 00:07:53,720
Speaker 1: implement in your baking arsenal is probably not being truthful.

147
00:07:53,880 --> 00:07:58,200
Speaker 1: She's talking about the oven. You overn is lying to you. Okay, fine,

148
00:07:58,680 --> 00:08:01,560
Speaker 1: there are some others there are true, the whole temperature properly,

149
00:08:01,600 --> 00:08:08,280
Speaker 1: but there's a rare oven. Indeed, it is. It's so unfair.

150
00:08:08,440 --> 00:08:10,760
Speaker 1: It's truel right, because you can't bake with that, that

151
00:08:10,840 --> 00:08:13,680
Speaker 1: stupid oven. And then one of the things that people

152
00:08:13,680 --> 00:08:16,680
Speaker 1: complain the most about and recipe is that, like it

153
00:08:16,760 --> 00:08:19,440
Speaker 1: took me twenty minutes longer than it's said in the rescue,

154
00:08:19,840 --> 00:08:23,080
Speaker 1: it's because your oven is a big fat liar. Oven

155
00:08:23,160 --> 00:08:25,960
Speaker 1: is a liar. And so everyone knows that everyone who

156
00:08:26,000 --> 00:08:28,600
Speaker 1: has an oven eating, whether it's a wolf which is

157
00:08:28,600 --> 00:08:31,240
Speaker 1: one of the best ovens in the world, or it's

158
00:08:31,320 --> 00:08:34,240
Speaker 1: just you know, the taddy thing that you got from

159
00:08:34,240 --> 00:08:37,520
Speaker 1: your grandma that you know barely works. Oftentimes those actually

160
00:08:37,520 --> 00:08:42,520
Speaker 1: work better bake that liars things and so and so.

161
00:08:42,520 --> 00:08:44,960
Speaker 1: So that's the beauty of that. So now she's so

162
00:08:45,200 --> 00:08:48,040
Speaker 1: so at the very beginning, she gives you structure and

163
00:08:48,160 --> 00:08:51,200
Speaker 1: rules to play by in the baking business. That's what

164
00:08:51,280 --> 00:08:54,560
Speaker 1: I really was far fascinating about this book because you know,

165
00:08:55,040 --> 00:08:58,720
Speaker 1: the average baking a cookbook, they just start you start baking,

166
00:08:59,320 --> 00:09:01,760
Speaker 1: start baking, and just so. But there are rules you

167
00:09:01,800 --> 00:09:04,480
Speaker 1: have to play by, and you have to understand flour

168
00:09:04,760 --> 00:09:07,560
Speaker 1: is different tools of the of the trade you have

169
00:09:07,640 --> 00:09:10,840
Speaker 1: to have working there. And I want to talk about

170
00:09:11,000 --> 00:09:16,040
Speaker 1: something that that the freezing of cakes. Like in your refrigerator,

171
00:09:16,040 --> 00:09:18,040
Speaker 1: you said, Richard, you look at my refresh you said,

172
00:09:18,080 --> 00:09:20,400
Speaker 1: it's me. But a book says that that Rashan. If

173
00:09:20,400 --> 00:09:22,840
Speaker 1: you look at my refrigerator, I always have layers of

174
00:09:22,840 --> 00:09:26,880
Speaker 1: cake just frozen ready to be served. See in my

175
00:09:27,000 --> 00:09:31,559
Speaker 1: mind when you say that, I go, Okay, it's frozen.

176
00:09:31,880 --> 00:09:35,120
Speaker 1: When do you? In my thought is it's stale. See

177
00:09:35,160 --> 00:09:38,000
Speaker 1: see I'm freaking out right there. So walking through that

178
00:09:38,080 --> 00:09:44,160
Speaker 1: whole process. Okay, Well, first off, in freezing many layer cakes,

179
00:09:44,280 --> 00:09:48,040
Speaker 1: you improve the texture of it because when you cut

180
00:09:48,080 --> 00:09:50,040
Speaker 1: into the cake and you look to the side of it,

181
00:09:50,160 --> 00:09:53,120
Speaker 1: what you're seeing is called crumb. And when you freeze

182
00:09:53,120 --> 00:09:56,199
Speaker 1: that cake, once it has come to room temperature, oftentimes

183
00:09:56,280 --> 00:09:58,880
Speaker 1: it tightens in a really nice way. This is awesome.

184
00:09:59,160 --> 00:10:03,160
Speaker 1: I'm on the phone within. Uh. Just Sina, right, just Sina,

185
00:10:03,520 --> 00:10:06,000
Speaker 1: you know. Uh. And she's the author of the book

186
00:10:06,160 --> 00:10:09,120
Speaker 1: Fantastical Cakes. You may have seen on television today show

187
00:10:09,200 --> 00:10:13,080
Speaker 1: the tall Um. She's amazing and regards to what she's

188
00:10:13,120 --> 00:10:15,199
Speaker 1: doing for me as a as a as, she says,

189
00:10:15,240 --> 00:10:18,480
Speaker 1: I'm a natural baker, but any natural baker needs structure.

190
00:10:18,720 --> 00:10:21,360
Speaker 1: The book gives a lot of really cool structure to

191
00:10:21,400 --> 00:10:23,199
Speaker 1: what you should be aware of when you walk in

192
00:10:23,240 --> 00:10:25,640
Speaker 1: the kitchen, from the type of flower that you use,

193
00:10:26,080 --> 00:10:29,960
Speaker 1: the type of non stick pan versus stick pan, knowing that, hey,

194
00:10:30,320 --> 00:10:32,680
Speaker 1: you know you want you your pan sometimes the stick

195
00:10:32,760 --> 00:10:35,560
Speaker 1: so it can make sure the the the layer that

196
00:10:35,600 --> 00:10:38,400
Speaker 1: you cook stays to the edges and doesn't shrink. Little

197
00:10:38,440 --> 00:10:40,680
Speaker 1: things like that that I didn't even know about that

198
00:10:40,800 --> 00:10:43,400
Speaker 1: she just enlightens you about. And then the amazing damn

199
00:10:43,400 --> 00:10:45,520
Speaker 1: that she talks about to be able to keep all

200
00:10:45,559 --> 00:10:49,480
Speaker 1: of the icing that you put between the layers in place. It's, uh,

201
00:10:49,520 --> 00:10:52,160
Speaker 1: you know you you wrote a book. I felt for

202
00:10:52,160 --> 00:10:54,240
Speaker 1: for me, I think for a lot of people out

203
00:10:54,240 --> 00:10:57,320
Speaker 1: there who who want to be I think a starter

204
00:10:57,400 --> 00:10:59,320
Speaker 1: as a starter kit for baking because of the way

205
00:10:59,360 --> 00:11:02,240
Speaker 1: you approached. Uh, my wife is gonna laugh because she

206
00:11:02,360 --> 00:11:05,480
Speaker 1: has King Arthur flower in our cabinet and I never

207
00:11:05,480 --> 00:11:07,840
Speaker 1: messed with it. I'm a gold medal guy. Okay, I'll

208
00:11:07,880 --> 00:11:10,400
Speaker 1: mess with that flower. I'll miss with that flower and

209
00:11:10,440 --> 00:11:12,440
Speaker 1: the face that you work for King Arthur. She's gonna

210
00:11:12,520 --> 00:11:14,360
Speaker 1: just when I walked through that door after this show,

211
00:11:14,400 --> 00:11:16,200
Speaker 1: it's not gonna be pretty. I'm just gonna I'm gonna

212
00:11:16,240 --> 00:11:18,240
Speaker 1: blame it on you, but I'm also gonna blame the

213
00:11:18,240 --> 00:11:19,839
Speaker 1: fact that I'm gonna come up to her mom and

214
00:11:19,880 --> 00:11:22,840
Speaker 1: we're gonna spend a weekend with you and have a

215
00:11:22,880 --> 00:11:25,960
Speaker 1: great time and enjoying your school and just living a

216
00:11:25,960 --> 00:11:27,839
Speaker 1: good part of life. And that's what I THO was

217
00:11:27,920 --> 00:11:29,760
Speaker 1: my big takeaway when I read the New York Times

218
00:11:29,840 --> 00:11:33,080
Speaker 1: article about you and your husband and in your life

219
00:11:33,160 --> 00:11:36,240
Speaker 1: the nineteen years, and it's a balanced life and I

220
00:11:36,320 --> 00:11:39,079
Speaker 1: respect you for that. And uh, hopefully you'll come back

221
00:11:39,120 --> 00:11:41,800
Speaker 1: on my show because I feel like I have a

222
00:11:41,840 --> 00:11:43,680
Speaker 1: I have a friend. But also you're gonna see me

223
00:11:44,240 --> 00:11:45,719
Speaker 1: more than like, I'm gonna tell you probably gonna be

224
00:11:45,800 --> 00:11:48,920
Speaker 1: January MK weekend. You know because on my show was

225
00:11:48,960 --> 00:11:51,120
Speaker 1: old a show. I'll be a repeat on that Monday.

226
00:11:51,160 --> 00:11:53,720
Speaker 1: It allows me to travel that weekend. And so you're

227
00:11:53,760 --> 00:11:55,600
Speaker 1: gonna get a booking And thank you for coming on

228
00:11:55,640 --> 00:12:00,000
Speaker 1: my show. Don't forget to me those banners. Fantastical cakes

229
00:12:00,080 --> 00:12:04,400
Speaker 1: is my book, Keep winning Everybody from Tom McDonald and

230
00:12:04,440 --> 00:12:09,160
Speaker 1: money making conversations don't touch that though. Yeah, we sort

231
00:12:09,160 --> 00:12:11,959
Speaker 1: of stopped paying attention and racked up a lot of debt. Yeah,

232
00:12:12,240 --> 00:12:14,719
Speaker 1: it was stressful. He blamed me for my credit card

233
00:12:14,800 --> 00:12:17,080
Speaker 1: debt and I blamed him for building that man cave.

234
00:12:17,240 --> 00:12:20,200
Speaker 1: It's awesome. Anyway, we stopped blaming each other, did our

235
00:12:20,240 --> 00:12:23,080
Speaker 1: homework and read that a smart way to consolidate debt

236
00:12:23,320 --> 00:12:25,720
Speaker 1: is to get a fixed rate loan. But getting a

237
00:12:25,720 --> 00:12:28,439
Speaker 1: loan was brutal and a time drain. So I was

238
00:12:28,480 --> 00:12:31,199
Speaker 1: in my man cave researching personal loans and I found

239
00:12:31,280 --> 00:12:33,719
Speaker 1: best Egg. They have an A plus rating with the

240
00:12:33,800 --> 00:12:37,000
Speaker 1: B B B and best Egg handles everything online, start

241
00:12:37,080 --> 00:12:40,199
Speaker 1: to finish, and Consumer Affairs gave best Egg five stars

242
00:12:40,240 --> 00:12:42,559
Speaker 1: for their easy online Loan app, and we could be

243
00:12:42,600 --> 00:12:45,080
Speaker 1: approved and funded, and as little as one business day

244
00:12:45,320 --> 00:12:48,000
Speaker 1: I applied online with no impact to my credit score.

245
00:12:48,320 --> 00:12:51,079
Speaker 1: She always takes credit from my wins. But long story short,

246
00:12:51,280 --> 00:12:54,000
Speaker 1: she got an awesome loan, paid off our cards and

247
00:12:54,120 --> 00:12:57,240
Speaker 1: some bills while lowering our monthly payment. The Best Egg

248
00:12:57,280 --> 00:13:00,839
Speaker 1: loan was like a total fresh start vision best egg

249
00:13:00,920 --> 00:13:05,560
Speaker 1: dot com slash blue Best egg dot com slash blue.

250
00:13:05,760 --> 00:13:08,440
Speaker 1: Subject the credit approval, actual rates, visa approval times will vary. Hi,

251
00:13:08,559 --> 00:13:11,679
Speaker 1: this is Rushan McDonald, the host of money Making Conversations.

252
00:13:11,880 --> 00:13:15,360
Speaker 1: You say to yourself who calls Rushan shell. Please welcome

253
00:13:15,400 --> 00:13:19,040
Speaker 1: to money Making Conversations. La La Anthony. We met you

254
00:13:19,080 --> 00:13:24,760
Speaker 1: know used always rush can you give? I always talk

255
00:13:24,840 --> 00:13:28,000
Speaker 1: to you about everything, everything and looking at you and

256
00:13:28,000 --> 00:13:30,599
Speaker 1: Steve Harvey. You know that motivated me too because I

257
00:13:30,640 --> 00:13:32,920
Speaker 1: would see all the amazing things you guys are doing.

258
00:13:32,960 --> 00:13:36,120
Speaker 1: It not just being on the radiome like at that

259
00:13:36,200 --> 00:13:38,840
Speaker 1: time and even now, you know people want to put

260
00:13:38,920 --> 00:13:42,400
Speaker 1: people in boxes. Please welcome to money Making Conversations. The

261
00:13:42,480 --> 00:13:44,880
Speaker 1: incredible Nick Cannon. Do you truly one of them our

262
00:13:45,000 --> 00:13:47,160
Speaker 1: mentors and one of the people that showed me that

263
00:13:47,280 --> 00:13:50,000
Speaker 1: you can be most compascintid you know for a fact,

264
00:13:50,000 --> 00:13:52,800
Speaker 1: now that you're about the Captain audience, it's going to

265
00:13:52,880 --> 00:13:56,080
Speaker 1: have a spending power for Lisa another twenty years, three years.

266
00:13:56,120 --> 00:13:59,560
Speaker 1: Like my happiness, money doesn't make you happy. For happy,

267
00:13:59,640 --> 00:14:04,120
Speaker 1: make sure. Money Making Conversations continues online at www dot

268
00:14:04,360 --> 00:14:23,680
Speaker 1: money Making Conversations dot com. Let me tell you about

269
00:14:23,680 --> 00:14:27,440
Speaker 1: the host of Money Making Conversations, Rashaan McDonald. He's a

270
00:14:27,480 --> 00:14:31,920
Speaker 1: social media influencer. Of his seven hundred thousand plus social

271
00:14:31,920 --> 00:14:35,240
Speaker 1: media followers are female. He's a two time Emmy Award winner,

272
00:14:35,560 --> 00:14:38,040
Speaker 1: three time n double a c P Image Award winner,

273
00:14:38,360 --> 00:14:42,680
Speaker 1: sitcom writer, stand up comic, former IBM executive, and has

274
00:14:42,720 --> 00:14:46,600
Speaker 1: a degree in mathematics. More importantly, Rashan McDonald will use

275
00:14:46,680 --> 00:14:50,480
Speaker 1: his business and celebrity relationships to empower small businesses with

276
00:14:50,600 --> 00:15:00,000
Speaker 1: information to succeed. Hey, ra Sean mcdonal, how are you

277
00:15:00,000 --> 00:15:02,720
Speaker 1: on my next guest? He's on the line. He called

278
00:15:02,720 --> 00:15:04,320
Speaker 1: in there. I like when my guests calling her. That

279
00:15:04,360 --> 00:15:06,520
Speaker 1: means they want to talk to Roshan McDonald, which is

280
00:15:06,560 --> 00:15:09,120
Speaker 1: really great. Money Making Conversations is a growing brand and

281
00:15:09,200 --> 00:15:11,480
Speaker 1: like to help guests like that who provide information to

282
00:15:11,560 --> 00:15:14,040
Speaker 1: my next guest. It is not only a resource, but

283
00:15:14,080 --> 00:15:18,240
Speaker 1: he also can help you get the money right which business.

284
00:15:18,320 --> 00:15:20,960
Speaker 1: My next guest is the CEO of Commercial Loan Success

285
00:15:21,200 --> 00:15:24,440
Speaker 1: and their mission is to help small business owners, entrepreneurs

286
00:15:24,720 --> 00:15:29,080
Speaker 1: and real estate investors acquire successful commercial funding through their software,

287
00:15:29,200 --> 00:15:32,360
Speaker 1: educational material and other resources. Please work on the Money

288
00:15:32,400 --> 00:15:39,240
Speaker 1: Making Conversation. The CEO of Commercial Loan Success, John Matheson. Well,

289
00:15:39,240 --> 00:15:41,880
Speaker 1: good morning and happy Monday to everybody. What what what

290
00:15:42,200 --> 00:15:44,040
Speaker 1: part of the country are you calling it from, John,

291
00:15:44,600 --> 00:15:48,840
Speaker 1: I'm in lovely sunny ice called Connecticut today. Lord, are

292
00:15:48,840 --> 00:15:52,640
Speaker 1: you you got the ice cold part downpat? Now? I

293
00:15:52,840 --> 00:15:55,320
Speaker 1: will say winness southeast of course, and a and a

294
00:15:55,440 --> 00:15:59,160
Speaker 1: nice ice storm some with some heavy snow has started

295
00:15:59,200 --> 00:16:01,040
Speaker 1: to dominate this part of the country. So I can't

296
00:16:01,040 --> 00:16:03,520
Speaker 1: point fingers like we're in warm country right now, because

297
00:16:03,760 --> 00:16:08,360
Speaker 1: we're pretty much sisters in Chile right now. A couple

298
00:16:08,360 --> 00:16:12,880
Speaker 1: of weeks'll be able to laugh out loud. Well, good, well,

299
00:16:12,920 --> 00:16:15,360
Speaker 1: how are you doing, my friend? I'm great, and thanks

300
00:16:15,400 --> 00:16:17,480
Speaker 1: for having me on. Well, thank you, Because my show

301
00:16:17,520 --> 00:16:21,480
Speaker 1: Money Making Conversation is about providing information and also extend

302
00:16:21,520 --> 00:16:23,960
Speaker 1: the brands of individuals who come on my show about

303
00:16:23,960 --> 00:16:28,119
Speaker 1: what they bring to the entrepreneurship community. And in my situation,

304
00:16:28,520 --> 00:16:30,960
Speaker 1: what exactly off the bat, I want to just say it.

305
00:16:31,080 --> 00:16:36,280
Speaker 1: What is actually is commercial lending. So commercial lending is

306
00:16:36,360 --> 00:16:40,160
Speaker 1: where you are securing money for your business or an

307
00:16:40,200 --> 00:16:44,640
Speaker 1: investment property transaction. And in the investment property space, that

308
00:16:44,760 --> 00:16:48,400
Speaker 1: usually means you're into an apartment building or you're into

309
00:16:48,440 --> 00:16:53,320
Speaker 1: a commercial building that has over four units in In

310
00:16:53,400 --> 00:16:56,120
Speaker 1: regular commercial lending, where we go for a business loan,

311
00:16:56,200 --> 00:16:59,920
Speaker 1: it might need to expand our business, a line of credit, equipment, law,

312
00:17:00,000 --> 00:17:03,360
Speaker 1: own cash flow, any purpose that we might take a

313
00:17:03,400 --> 00:17:06,280
Speaker 1: business credit line to try to improve our business or

314
00:17:06,280 --> 00:17:10,200
Speaker 1: take advantage of an opportunity. Okay, cool. Now here's my

315
00:17:10,200 --> 00:17:13,719
Speaker 1: my my wife, she's a retired aptometriss. So yesterday we

316
00:17:13,760 --> 00:17:17,919
Speaker 1: was talking and she said, I'm gonna go back to

317
00:17:17,960 --> 00:17:20,400
Speaker 1: Houston and I'm gonna open a business. I said, well,

318
00:17:20,400 --> 00:17:22,560
Speaker 1: how are you gonna fund it? She said, you I go,

319
00:17:28,800 --> 00:17:31,119
Speaker 1: you gotta get alan. And the reason I said that

320
00:17:31,160 --> 00:17:33,919
Speaker 1: because I want to make sure she understands the ramifications

321
00:17:33,960 --> 00:17:38,879
Speaker 1: of the Profit of Laws report. So my wife is listening,

322
00:17:39,119 --> 00:17:40,720
Speaker 1: you know, and she's gonna be mad at me because

323
00:17:40,720 --> 00:17:43,200
Speaker 1: I'm for her own front street. But It's a good

324
00:17:43,240 --> 00:17:45,320
Speaker 1: lesson because she came to me and I probably could

325
00:17:45,359 --> 00:17:47,160
Speaker 1: fund her along because you're my wife from my helper,

326
00:17:47,320 --> 00:17:49,840
Speaker 1: you know. But I felt from a business perspective that

327
00:17:49,880 --> 00:17:52,760
Speaker 1: would be a mistake. What are your thoughts, Oh, let's

328
00:17:52,760 --> 00:17:57,000
Speaker 1: have fun. This is going to be fantastic. You're gonna

329
00:17:57,040 --> 00:17:59,760
Speaker 1: love that. You're gonna love that. Um, let me tell

330
00:17:59,800 --> 00:18:03,680
Speaker 1: you quick story about how our software got started, and

331
00:18:03,720 --> 00:18:05,960
Speaker 1: then I'm going to connect this back to your wife

332
00:18:06,480 --> 00:18:08,439
Speaker 1: and how you and her are going to be able

333
00:18:08,440 --> 00:18:12,680
Speaker 1: to use software to determine whether or not her business

334
00:18:12,800 --> 00:18:16,720
Speaker 1: idea is viable for you to lend to lend into it? Right,

335
00:18:17,160 --> 00:18:19,119
Speaker 1: I mean, how many of us out there are either

336
00:18:19,760 --> 00:18:22,920
Speaker 1: parents or assisting you know, spouses, and you know they

337
00:18:22,960 --> 00:18:25,400
Speaker 1: come to you and they say, hey, invest in my

338
00:18:25,520 --> 00:18:28,320
Speaker 1: business opportunity, and you say, well, how do I know

339
00:18:28,400 --> 00:18:31,639
Speaker 1: getting paid back? And our software provides you with the

340
00:18:31,680 --> 00:18:34,560
Speaker 1: ability to sanity check that idea before you ever lend

341
00:18:34,560 --> 00:18:37,200
Speaker 1: to it, as if you were a banker. But let's

342
00:18:37,200 --> 00:18:40,320
Speaker 1: start from how I got into this. So I'm I'm

343
00:18:40,359 --> 00:18:42,879
Speaker 1: like any other entrepreneur out there. I love some of

344
00:18:42,880 --> 00:18:44,639
Speaker 1: the stuff I hear you say about how you know

345
00:18:44,800 --> 00:18:48,920
Speaker 1: it didn't come easy. I mean, I put pretty thirty

346
00:18:49,000 --> 00:18:51,760
Speaker 1: dollars into my business when I started it in the

347
00:18:51,840 --> 00:18:57,040
Speaker 1: late the late eighties. You know, and and you know,

348
00:18:57,240 --> 00:18:59,280
Speaker 1: and then you know, you can imagine you grow from there.

349
00:18:59,280 --> 00:19:01,120
Speaker 1: And it gets funny because you get to be my age,

350
00:19:01,119 --> 00:19:04,200
Speaker 1: mid fifties and you start to listen to the things

351
00:19:04,240 --> 00:19:06,600
Speaker 1: that you've done in resume form, you go, gee, I've

352
00:19:06,600 --> 00:19:11,000
Speaker 1: been around that law. But but along the way, I've

353
00:19:11,000 --> 00:19:15,160
Speaker 1: been through three recessions, and primary business was was real

354
00:19:15,240 --> 00:19:18,960
Speaker 1: estate development, and in that process, you can imagine, when

355
00:19:18,960 --> 00:19:21,480
Speaker 1: you're a real estate developer, you become very comfortable with

356
00:19:21,560 --> 00:19:24,800
Speaker 1: borrowing millions of dollars from commercial banks or private lenders

357
00:19:24,800 --> 00:19:27,600
Speaker 1: the line the way. So but in the in the

358
00:19:27,640 --> 00:19:31,520
Speaker 1: process of that, those recessions changed things a lot. And

359
00:19:31,680 --> 00:19:34,080
Speaker 1: the last recession I was coming out of it. It

360
00:19:34,160 --> 00:19:37,199
Speaker 1: was probably a few years removed from the two thousand

361
00:19:37,280 --> 00:19:40,359
Speaker 1: and eight scenario, call it two thousand eleven or twelve,

362
00:19:40,800 --> 00:19:43,480
Speaker 1: and I had a property that my bank wanted me

363
00:19:43,560 --> 00:19:46,920
Speaker 1: to move off of their books because um, they were

364
00:19:46,960 --> 00:19:51,240
Speaker 1: just changing portfolio distribution for whatever reason. So I had

365
00:19:51,240 --> 00:19:54,679
Speaker 1: about six months to do it before maturity. And I

366
00:19:54,720 --> 00:19:57,119
Speaker 1: had been with this bank for like fourteen years. I

367
00:19:57,119 --> 00:19:59,200
Speaker 1: had a nice relationship there. So I started to call

368
00:19:59,200 --> 00:20:01,080
Speaker 1: around a different thanks and saying, hey, I've got this

369
00:20:01,160 --> 00:20:03,400
Speaker 1: awesome asset and I need to move it. And I'm

370
00:20:03,440 --> 00:20:06,560
Speaker 1: getting yeah, we're kind of good with what you're telling us,

371
00:20:06,600 --> 00:20:09,200
Speaker 1: that you're not all that motivated to do it right,

372
00:20:09,520 --> 00:20:11,919
Speaker 1: And I'm staying there, don't wait a minute. I have

373
00:20:12,240 --> 00:20:15,160
Speaker 1: a track record, perfect credit this that you know everything

374
00:20:15,200 --> 00:20:17,200
Speaker 1: you need to get. How come I'm not getting warm

375
00:20:17,240 --> 00:20:19,840
Speaker 1: fuzzies out there. So I start to do what any

376
00:20:19,840 --> 00:20:21,840
Speaker 1: of us in the audience would do as an entrepreneur.

377
00:20:21,840 --> 00:20:25,600
Speaker 1: I network to a resolution, and I find commercial relators

378
00:20:25,680 --> 00:20:27,639
Speaker 1: who who say to me, you got to call this

379
00:20:27,640 --> 00:20:30,320
Speaker 1: guy Dan. Who Dan just a fast forward is my

380
00:20:30,400 --> 00:20:33,880
Speaker 1: partner now and commercial success. So fast forward to Dan.

381
00:20:33,960 --> 00:20:36,320
Speaker 1: He said, They said, connect contact Dan if anybody can

382
00:20:36,320 --> 00:20:39,040
Speaker 1: do what he can. So I go to call Dan,

383
00:20:39,680 --> 00:20:43,359
Speaker 1: and Dan's voicemails full and I'm like, well, isn't this

384
00:20:43,440 --> 00:20:47,880
Speaker 1: great with the full voice? He calls me right back

385
00:20:47,920 --> 00:20:50,679
Speaker 1: and he says yeah, he goes my voicemail number is

386
00:20:50,720 --> 00:20:53,959
Speaker 1: my my cell phone is one digit removed from the

387
00:20:53,960 --> 00:20:56,439
Speaker 1: Department of Labor office up here. So by eight in

388
00:20:56,440 --> 00:20:59,040
Speaker 1: the morning. It's full. I'm like, okay, so I get it.

389
00:20:59,119 --> 00:21:01,359
Speaker 1: So now we're gonna so we're gonna have So I

390
00:21:01,359 --> 00:21:03,280
Speaker 1: start explaining what I have and he says, all right,

391
00:21:03,880 --> 00:21:06,119
Speaker 1: meet me at And we picked a local diner to

392
00:21:06,200 --> 00:21:08,560
Speaker 1: meet at, which at our age, neither one of us

393
00:21:08,560 --> 00:21:10,720
Speaker 1: should be in a diner, you know, but but you know,

394
00:21:10,880 --> 00:21:14,159
Speaker 1: so we're going to the diner d and he comes in.

395
00:21:14,240 --> 00:21:17,359
Speaker 1: So I bring my pro forma's most similar to what

396
00:21:17,400 --> 00:21:19,439
Speaker 1: your wife would bring you. I bring my numbers on

397
00:21:19,560 --> 00:21:21,800
Speaker 1: my transaction. It was property, so I have income and

398
00:21:21,880 --> 00:21:25,119
Speaker 1: expense And Dan flips open a laptop and the screen

399
00:21:25,200 --> 00:21:27,280
Speaker 1: is backs facing back to me. He says, all right,

400
00:21:27,440 --> 00:21:29,520
Speaker 1: give me here income and expense numbers, and he starts

401
00:21:29,560 --> 00:21:33,760
Speaker 1: tapping away and he then turns the screen around and

402
00:21:33,880 --> 00:21:37,479
Speaker 1: there's this great big word art go on the screen

403
00:21:38,200 --> 00:21:40,400
Speaker 1: and I'm looking at it. All right, what does that mean?

404
00:21:40,920 --> 00:21:43,399
Speaker 1: And this is a fairly large transaction. He goes, it

405
00:21:43,520 --> 00:21:47,560
Speaker 1: means you are a go to commercial bank application based

406
00:21:47,560 --> 00:21:50,000
Speaker 1: on the numbers you gave me. And I said, I

407
00:21:50,000 --> 00:21:52,680
Speaker 1: don't understand. What do you have in there that tells

408
00:21:52,720 --> 00:21:55,320
Speaker 1: you that? And he goes, I have on my own

409
00:21:55,400 --> 00:21:58,720
Speaker 1: software that I've used ever since my my days in

410
00:21:58,840 --> 00:22:01,760
Speaker 1: commercial banking, and I use my own software and I've

411
00:22:01,880 --> 00:22:04,840
Speaker 1: used it to that over a billion dollars of commercial

412
00:22:04,880 --> 00:22:08,520
Speaker 1: real estate and credit line transactions. And what it does

413
00:22:08,640 --> 00:22:12,840
Speaker 1: is it compares your numbers the common commercial bank guidelines

414
00:22:12,960 --> 00:22:16,879
Speaker 1: and it tells me before we ever apply for a

415
00:22:16,920 --> 00:22:20,320
Speaker 1: bank loan whether or not you're likely a stop or

416
00:22:20,400 --> 00:22:25,920
Speaker 1: a go to proval. Really, now it's changing for me

417
00:22:26,320 --> 00:22:29,760
Speaker 1: because as the entrepreneur inside of me is saying, WHOA

418
00:22:30,080 --> 00:22:32,320
Speaker 1: what is he having there? I'm feeling the ankst to

419
00:22:32,359 --> 00:22:35,000
Speaker 1: get removed from my body. Anybody right right, right, right,

420
00:22:35,200 --> 00:22:37,840
Speaker 1: right right. So he has his software and now you're

421
00:22:37,880 --> 00:22:41,760
Speaker 1: the entrepreneur, You're you're the vision right So now you're

422
00:22:42,200 --> 00:22:44,679
Speaker 1: your wife's listening. I know what she's going through. Every

423
00:22:44,720 --> 00:22:47,520
Speaker 1: single one of us since this last session, who says

424
00:22:47,600 --> 00:22:50,240
Speaker 1: we're going to go for any kind of bank capital.

425
00:22:50,800 --> 00:22:53,480
Speaker 1: Let's face it, banks are still the best and fairest

426
00:22:53,480 --> 00:22:55,840
Speaker 1: place for rate and terms in this country to get

427
00:22:55,880 --> 00:22:58,640
Speaker 1: money for your business. Any one of us going into

428
00:22:58,680 --> 00:23:03,159
Speaker 1: that process today, the best feeling we have is a

429
00:23:03,160 --> 00:23:06,520
Speaker 1: little bit of trepidation all the way to the worst

430
00:23:06,560 --> 00:23:09,800
Speaker 1: feeling we have which is absolute dread of the process.

431
00:23:10,080 --> 00:23:12,320
Speaker 1: There's just nobody out there who says, hey, I'm really

432
00:23:12,359 --> 00:23:14,880
Speaker 1: psyched to go for a bank own today. Who's worse

433
00:23:14,960 --> 00:23:17,800
Speaker 1: the paink or the dentist? Where would you like to go? Right? So,

434
00:23:17,960 --> 00:23:19,639
Speaker 1: I mean, you sit there and you say, all right,

435
00:23:19,680 --> 00:23:22,840
Speaker 1: So what does he have there? Andy? Andy? And so

436
00:23:22,920 --> 00:23:25,000
Speaker 1: he said, I said, what do you mean it's your software?

437
00:23:25,200 --> 00:23:27,240
Speaker 1: Because yeah, it's my software I wrote. I use it

438
00:23:27,240 --> 00:23:30,120
Speaker 1: for my clients. I've placed billions of dollars my clients

439
00:23:30,119 --> 00:23:32,440
Speaker 1: are are you know? Here's this gonna happen. I'm gonna

440
00:23:32,480 --> 00:23:36,200
Speaker 1: take your your information. I'm going to print my one

441
00:23:36,240 --> 00:23:38,720
Speaker 1: sheet of paper, which is the output from my software

442
00:23:39,040 --> 00:23:41,840
Speaker 1: distributed to the handful of lenders that I know who

443
00:23:42,200 --> 00:23:44,080
Speaker 1: are are will do this and in a couple of

444
00:23:44,119 --> 00:23:45,800
Speaker 1: days you'll have a letter of intent and you'll have

445
00:23:45,880 --> 00:23:49,440
Speaker 1: your transaction funded. I'm looking at him, and that's exactly

446
00:23:49,480 --> 00:23:51,679
Speaker 1: what happened, but at that time I don't know it.

447
00:23:51,760 --> 00:23:55,080
Speaker 1: So I'm looking at him, going, well, but what I understand?

448
00:23:55,480 --> 00:24:00,159
Speaker 1: What do you haven't? And I want that hold all.

449
00:24:00,480 --> 00:24:03,160
Speaker 1: I got all this information, but what what what? What's

450
00:24:03,200 --> 00:24:05,119
Speaker 1: what's over there? Though? What's over there? Did you so

451
00:24:05,200 --> 00:24:07,919
Speaker 1: confident in that's what you're talking about. Yeah, I mean

452
00:24:08,240 --> 00:24:10,320
Speaker 1: I want this on my computer. I want to sit

453
00:24:10,320 --> 00:24:13,840
Speaker 1: there and and and know before I apply if I'm

454
00:24:13,880 --> 00:24:15,600
Speaker 1: a stopper or a bell and if I'm a stopped,

455
00:24:15,600 --> 00:24:18,240
Speaker 1: it gives me corrective action. If I'm a go it

456
00:24:18,280 --> 00:24:20,959
Speaker 1: tells me to connect with confidence to the institution. I mean,

457
00:24:20,960 --> 00:24:24,240
Speaker 1: think of the empowerment. If you're sitting here thinking, hey,

458
00:24:24,600 --> 00:24:27,480
Speaker 1: they're gonna I'm good, I can walk into the bank

459
00:24:27,520 --> 00:24:30,560
Speaker 1: and say I'm I'm here with my transaction, would you

460
00:24:30,600 --> 00:24:33,800
Speaker 1: like to continue the conversation with me? And that's exactly

461
00:24:33,840 --> 00:24:37,000
Speaker 1: what's happening now across the country with our software, from

462
00:24:37,000 --> 00:24:39,880
Speaker 1: commercial real estate all the way to business owners. Same

463
00:24:39,880 --> 00:24:42,399
Speaker 1: thing that happened with me. So I said to Dan, well,

464
00:24:42,600 --> 00:24:45,000
Speaker 1: do you realize the ants that you relieved from me

465
00:24:45,080 --> 00:24:47,080
Speaker 1: sending his day, because yeah, happens all the time. People

466
00:24:47,119 --> 00:24:50,760
Speaker 1: hugged me and Dan is one of the most heartstelled

467
00:24:50,920 --> 00:24:53,200
Speaker 1: entrepreneursial ever me. I mean, this is just a guy

468
00:24:53,240 --> 00:24:56,800
Speaker 1: who wants to have everybody with a business who's borrowing

469
00:24:57,000 --> 00:25:00,399
Speaker 1: to have financial dignity in the process. And so so

470
00:25:00,640 --> 00:25:03,399
Speaker 1: even tributing there, And I said to him, so have

471
00:25:03,560 --> 00:25:06,240
Speaker 1: you ever thought about, you know, all the people out

472
00:25:06,280 --> 00:25:08,879
Speaker 1: there like me or across the country, and I know

473
00:25:08,960 --> 00:25:11,239
Speaker 1: there's millions of them who would love to have the

474
00:25:11,280 --> 00:25:15,240
Speaker 1: angst relieved in the commercial bank process, and maybe we should.

475
00:25:15,440 --> 00:25:17,560
Speaker 1: Have you ever considered putting this out there in the cloud,

476
00:25:17,600 --> 00:25:19,439
Speaker 1: He says, yeah, I have, but I've just been so

477
00:25:19,520 --> 00:25:22,520
Speaker 1: busy in my consultancy i haven't done it. And you know,

478
00:25:22,640 --> 00:25:25,640
Speaker 1: digital marketing is not my gig. And I said, well,

479
00:25:25,800 --> 00:25:28,440
Speaker 1: and it just so happens to be mine. How about

480
00:25:28,480 --> 00:25:31,280
Speaker 1: we consider doing this together? And it was great. Dan

481
00:25:31,480 --> 00:25:33,400
Speaker 1: was like, yeah, I'd be happy to him. From there

482
00:25:34,040 --> 00:25:37,200
Speaker 1: it started the journey of where we took the software

483
00:25:37,200 --> 00:25:40,080
Speaker 1: from out of Dan's computer to where now it's at

484
00:25:40,080 --> 00:25:43,760
Speaker 1: Commercial loans Success dot com in the cloud where you

485
00:25:43,800 --> 00:25:47,320
Speaker 1: can use it as somebody who's looking to do anything

486
00:25:47,400 --> 00:25:50,960
Speaker 1: from take bank capital for any reason, be the business

487
00:25:50,960 --> 00:25:54,400
Speaker 1: loan an, SBA loan, or for commercial real estate loan,

488
00:25:54,880 --> 00:26:00,760
Speaker 1: and you can know that you qualified before you ever apply. Now,

489
00:26:01,119 --> 00:26:03,600
Speaker 1: when you started breaking this information back to him, because

490
00:26:03,760 --> 00:26:07,560
Speaker 1: like I said, he didn't realize that's how life works.

491
00:26:07,640 --> 00:26:09,639
Speaker 1: You have a you have a visionary and you have

492
00:26:09,680 --> 00:26:12,960
Speaker 1: a person who creates application. So he created application and

493
00:26:13,040 --> 00:26:15,480
Speaker 1: production content, as we say, and then you have this

494
00:26:15,600 --> 00:26:17,640
Speaker 1: vision to say we can take it to the next level.

495
00:26:17,840 --> 00:26:21,160
Speaker 1: What was this take on it? When you start pitching that, um,

496
00:26:21,200 --> 00:26:23,360
Speaker 1: he loved it. I mean, Dan is a is one

497
00:26:23,359 --> 00:26:25,560
Speaker 1: of the most elegant speakers you'll ever meet, too. I

498
00:26:25,560 --> 00:26:28,159
Speaker 1: mean the video go to the site. You said, a

499
00:26:28,200 --> 00:26:31,320
Speaker 1: great video of you two talking everybody. I'm gonna saying,

500
00:26:31,320 --> 00:26:33,480
Speaker 1: I'm gonna post that on my on my social media.

501
00:26:33,520 --> 00:26:36,560
Speaker 1: I've really enjoyed it. That's fun. And you know, so

502
00:26:36,640 --> 00:26:39,000
Speaker 1: it's the classic odd couple sitting there because you have

503
00:26:39,080 --> 00:26:41,399
Speaker 1: the banker and Dan, and you have the entrepreneur in me.

504
00:26:41,920 --> 00:26:46,120
Speaker 1: And I'm defending our entrepreneurial side of the table, going hey, look,

505
00:26:46,720 --> 00:26:49,000
Speaker 1: what is it that all of us really wanted? Ever lender?

506
00:26:49,440 --> 00:26:52,520
Speaker 1: How about a level of predictability. I mean, until this

507
00:26:52,560 --> 00:26:55,000
Speaker 1: point the film, you'll say it even you would think

508
00:26:55,000 --> 00:26:58,239
Speaker 1: of it's a commercial bank process. It's kind of a mystery, right,

509
00:26:58,440 --> 00:27:00,520
Speaker 1: What is it when you give them their numbers? What

510
00:27:00,640 --> 00:27:03,280
Speaker 1: is it that they're doing to determine whether or not

511
00:27:03,440 --> 00:27:05,760
Speaker 1: you're going to be able to get the loan that

512
00:27:05,880 --> 00:27:09,560
Speaker 1: you're requesting to increase your business. Awesome, Hey John, thank

513
00:27:09,560 --> 00:27:12,320
Speaker 1: you for coming on my show Commercial loan Success, John Matheson.

514
00:27:12,520 --> 00:27:20,040
Speaker 1: My wife will be using your product. Thank you. We'll

515
00:27:20,080 --> 00:27:22,880
Speaker 1: be right back with more from Ton McDonald and money

516
00:27:22,880 --> 00:27:27,359
Speaker 1: making conversations. Don't touch that down. Yeah, we sort of

517
00:27:27,359 --> 00:27:30,080
Speaker 1: stopped paying attention and racked up a lot of debt. Yeah,

518
00:27:30,359 --> 00:27:32,840
Speaker 1: it was stressful. He blamed me for my credit card

519
00:27:32,920 --> 00:27:35,200
Speaker 1: debt and I blamed him for building that man cave.

520
00:27:35,359 --> 00:27:38,320
Speaker 1: It's awesome anyway, we stopped blaming each other, did our

521
00:27:38,359 --> 00:27:41,200
Speaker 1: homework and read that a smart way to consolidate debt

522
00:27:41,400 --> 00:27:43,800
Speaker 1: is to get a fixed rate loan. But getting a

523
00:27:43,840 --> 00:27:46,560
Speaker 1: loan was brutal and a time drain. So I was

524
00:27:46,600 --> 00:27:49,280
Speaker 1: in my man cave researching personal loans and I found

525
00:27:49,400 --> 00:27:51,840
Speaker 1: best Egg. They have an A plus rating with the

526
00:27:51,920 --> 00:27:55,639
Speaker 1: b BB and best egg handles everything online start to finish,

527
00:27:55,840 --> 00:27:58,640
Speaker 1: and Consumer Affairs gave best egg five stars for their

528
00:27:58,680 --> 00:28:01,280
Speaker 1: easy online loan app. And we could be approved and

529
00:28:01,320 --> 00:28:03,960
Speaker 1: funded and as little as one business day I applied

530
00:28:04,000 --> 00:28:06,840
Speaker 1: online with no impact to my credit score. She always

531
00:28:06,880 --> 00:28:09,480
Speaker 1: takes credit for my wins. But long story short, she

532
00:28:09,600 --> 00:28:12,400
Speaker 1: got an awesome loan paid off our cards. And some

533
00:28:12,440 --> 00:28:15,600
Speaker 1: bills while lowering our monthly payment. The Best Egg loan

534
00:28:15,720 --> 00:28:19,280
Speaker 1: was like a total fresh start. Visit best egg dot

535
00:28:19,320 --> 00:28:24,199
Speaker 1: com slash blue best egg dot com slash blue. Subject

536
00:28:24,240 --> 00:28:26,720
Speaker 1: to credit approval, actual rates visa approval times will vary. Hey,

537
00:28:26,760 --> 00:28:28,560
Speaker 1: this is Tasha Evans and I'd love to eat a

538
00:28:28,600 --> 00:28:31,320
Speaker 1: great restaurants and more than that, I love great desserts.

539
00:28:31,640 --> 00:28:34,960
Speaker 1: So does Rashan McDonald. Check out his new website. That's

540
00:28:35,080 --> 00:28:39,360
Speaker 1: www Rashan McDonald dot com. That's r U s h

541
00:28:39,480 --> 00:28:42,400
Speaker 1: i O N and McDonald is spelled just like the

542
00:28:42,440 --> 00:28:45,640
Speaker 1: famous restaurant chain guys. Rashawn is looking for great bakers

543
00:28:45,680 --> 00:28:47,880
Speaker 1: for his baker spotlight. He wants to brag on his

544
00:28:47,920 --> 00:28:50,600
Speaker 1: fans for their incredible baking skills on his social media

545
00:28:50,720 --> 00:28:53,680
Speaker 1: and website. That can be your mom, friend, co worker,

546
00:28:53,800 --> 00:28:57,760
Speaker 1: a relative. Spread the word today. Visit Rashan McDonald dot com.

547
00:28:57,800 --> 00:29:01,440
Speaker 1: As hosts of money making Conversations, Sean McDonald is uniquely

548
00:29:01,480 --> 00:29:04,760
Speaker 1: positioned to provide a step by step, easy to understand

549
00:29:04,800 --> 00:29:08,640
Speaker 1: blueprint that drives listeners to realize their dreams and aspirations

550
00:29:08,880 --> 00:29:12,760
Speaker 1: until you do the business plan or incorporate or actually

551
00:29:12,800 --> 00:29:16,720
Speaker 1: create that product or start selling products. The universe doesn't

552
00:29:16,760 --> 00:29:19,720
Speaker 1: have to deal with Money Making Conversations is an innovative

553
00:29:19,720 --> 00:29:23,400
Speaker 1: platform that delivers financial literacy to help everyone with their

554
00:29:23,400 --> 00:29:31,000
Speaker 1: brand success. My next guest, and he's on the phone,

555
00:29:31,360 --> 00:29:34,200
Speaker 1: is the executive director of the Wade Smith Foundation. The

556
00:29:34,280 --> 00:29:37,520
Speaker 1: foundation supports community youth programs and the greater Houston and

557
00:29:37,600 --> 00:29:42,280
Speaker 1: Dallas Fort Worth metroplex areas and focuses on literacy and education.

558
00:29:42,520 --> 00:29:45,480
Speaker 1: He is the author of two children's book, Smitty Hits

559
00:29:45,520 --> 00:29:48,840
Speaker 1: the Playbook and Smitty Tackles Boodleying. He is also an

560
00:29:48,880 --> 00:29:51,520
Speaker 1: ambassador for the Houston, Texas I'm sure he wasn't happy

561
00:29:51,640 --> 00:29:56,480
Speaker 1: yesterday in Houston. He is in the nighttime sports talk

562
00:29:56,560 --> 00:29:58,240
Speaker 1: radio host which I do listen to this show when

563
00:29:58,240 --> 00:30:00,320
Speaker 1: I come back to Houston on a regular basis on

564
00:30:00,400 --> 00:30:03,320
Speaker 1: Sports Radio six ten, The Smitty and Trap Show, as

565
00:30:03,320 --> 00:30:06,320
Speaker 1: well as a public speaker. He's on the show today

566
00:30:06,360 --> 00:30:09,080
Speaker 1: to talk about this foundation, his two children's books, Smitty

567
00:30:09,160 --> 00:30:12,440
Speaker 1: Hits the Playbook and Smithy Tackles Bully Bullying. Please welcome

568
00:30:12,480 --> 00:30:17,920
Speaker 1: to Money Making Conversations. Wade Smith. How y'all doing to day?

569
00:30:18,120 --> 00:30:22,160
Speaker 1: Pretty good man, pretty good? Way you know you're in

570
00:30:22,160 --> 00:30:27,560
Speaker 1: Houston right now, right now, you're an ambassador to the Houston,

571
00:30:27,600 --> 00:30:30,080
Speaker 1: Texas nine in a row, nine in a row. Now,

572
00:30:30,640 --> 00:30:33,680
Speaker 1: come on, Oh, that's what That's what we're gonna say.

573
00:30:33,680 --> 00:30:35,560
Speaker 1: That's what we're gonna say. Hi, that's what the Atlanta

574
00:30:35,600 --> 00:30:38,160
Speaker 1: Facon said to the New England Patriots. Huh, you can't

575
00:30:38,160 --> 00:30:42,080
Speaker 1: win them all. You can't win them all. That y'all.

576
00:30:42,120 --> 00:30:47,120
Speaker 1: Definitely the one. I'm good appointed one good well, I'm not.

577
00:30:47,480 --> 00:30:48,800
Speaker 1: I want to I want to slow you down with

578
00:30:48,800 --> 00:30:51,360
Speaker 1: sports man, because, uh, you know, you get that enough.

579
00:30:51,440 --> 00:30:52,920
Speaker 1: You do, that's what you do. You've done for a

580
00:30:52,960 --> 00:30:56,360
Speaker 1: living in the NFL. All up, you you have a

581
00:30:56,360 --> 00:30:58,880
Speaker 1: wonderful show. I was home in Houston. Do listen to

582
00:30:58,920 --> 00:31:00,920
Speaker 1: your show and have a home and Alantha, So when

583
00:31:00,960 --> 00:31:02,560
Speaker 1: I go back to Houston, I always listen to your

584
00:31:02,600 --> 00:31:05,320
Speaker 1: show because yeah, but you know, sometimes you listen to

585
00:31:05,360 --> 00:31:07,360
Speaker 1: guys they don't have the right insight. You have the

586
00:31:07,440 --> 00:31:10,680
Speaker 1: right insight. And then uh, and I think the accountability

587
00:31:10,760 --> 00:31:13,840
Speaker 1: outside of your sports world that that allows you to

588
00:31:13,880 --> 00:31:17,440
Speaker 1: deliver your next a very unique message. So so when

589
00:31:17,440 --> 00:31:19,400
Speaker 1: you when you when you start talking about your brand,

590
00:31:19,440 --> 00:31:23,800
Speaker 1: what is the way Smith brand? The way Smith brand? Well,

591
00:31:23,920 --> 00:31:26,480
Speaker 1: I would just say this UM. There's a lot of

592
00:31:26,520 --> 00:31:30,200
Speaker 1: outside forces that people UM use for branding things of

593
00:31:30,200 --> 00:31:33,440
Speaker 1: their nature, But I just I approached things from the

594
00:31:33,480 --> 00:31:37,760
Speaker 1: standpoint that I really want to help children become better readers.

595
00:31:37,840 --> 00:31:41,120
Speaker 1: I want them to understand how important literacy and education

596
00:31:41,280 --> 00:31:45,960
Speaker 1: is and understand that UM, whatever socioeconomic situation that they

597
00:31:46,000 --> 00:31:50,200
Speaker 1: may be in, UM, their education can can lift them

598
00:31:50,200 --> 00:31:52,160
Speaker 1: out of that situation and get them to where she

599
00:31:52,240 --> 00:31:54,760
Speaker 1: they can compete with anybody around the world. And so

600
00:31:55,280 --> 00:31:59,520
Speaker 1: people understand that I genuinely I'm hands on with all

601
00:31:59,520 --> 00:32:02,960
Speaker 1: the things that I'm involved in, all the programs that

602
00:32:03,000 --> 00:32:05,920
Speaker 1: I'm a part of, and so I think people see

603
00:32:05,920 --> 00:32:08,200
Speaker 1: that genuine nature in me that I really do care

604
00:32:08,280 --> 00:32:11,320
Speaker 1: myself and I'm you know, there's some people that are

605
00:32:11,480 --> 00:32:20,160
Speaker 1: parts of charities and foundations and philanthropy philanthropic aspects, and

606
00:32:21,160 --> 00:32:23,720
Speaker 1: it's more of a name thing, like I put my

607
00:32:23,800 --> 00:32:26,360
Speaker 1: name on things, and or maybe it's a money thing,

608
00:32:26,360 --> 00:32:28,800
Speaker 1: And all of those things have a place because the

609
00:32:28,960 --> 00:32:32,640
Speaker 1: name can bring attention to a very very worthy cause,

610
00:32:33,320 --> 00:32:38,080
Speaker 1: and money can can help can definitely help UM fund

611
00:32:38,440 --> 00:32:41,280
Speaker 1: many worthy causes. But I think my thing is that

612
00:32:41,840 --> 00:32:44,320
Speaker 1: I generally want to be hands on and on the

613
00:32:44,360 --> 00:32:47,360
Speaker 1: front lines with with making things happen and to understand

614
00:32:47,480 --> 00:32:52,000
Speaker 1: having children to understand that they can be successes in life.

615
00:32:52,000 --> 00:32:55,680
Speaker 1: And so I would consider that, you know, a brand

616
00:32:55,720 --> 00:33:00,000
Speaker 1: in itself. So what age group are you talkingting? Um,

617
00:33:00,080 --> 00:33:03,240
Speaker 1: it's it's it's moly, We'll see. I have two different programs.

618
00:33:03,240 --> 00:33:05,280
Speaker 1: One of the programs I'm reading with the Pros. That's

619
00:33:05,520 --> 00:33:09,640
Speaker 1: elementary age reading. It's reading at grade level bias third grades.

620
00:33:09,760 --> 00:33:13,000
Speaker 1: That's what Smitty hits the playbook and Smitty tackles bullying

621
00:33:13,040 --> 00:33:15,360
Speaker 1: as fun. Am I right? Yeah? Both of the children's

622
00:33:15,400 --> 00:33:20,080
Speaker 1: books are a specifically for that age group, UM, basically

623
00:33:20,080 --> 00:33:22,760
Speaker 1: from kindergartens to fifth grade all elementary school students. And

624
00:33:22,800 --> 00:33:26,560
Speaker 1: then also have a scholarship program UM that's for outgoing

625
00:33:26,600 --> 00:33:29,880
Speaker 1: seniors here in Houston and Dallas, and so it hits

626
00:33:30,120 --> 00:33:32,880
Speaker 1: you know, the foundation and then also it helps kids

627
00:33:32,920 --> 00:33:36,320
Speaker 1: get over the hump to to not allow like I said,

628
00:33:36,320 --> 00:33:40,360
Speaker 1: there's socio economic situation to preclude them from going to

629
00:33:40,600 --> 00:33:44,440
Speaker 1: college and getting a secondary education. And so, um, that's

630
00:33:44,480 --> 00:33:47,760
Speaker 1: really where we are with it. So with that being said,

631
00:33:48,040 --> 00:33:51,640
Speaker 1: you know, uh, a lot of people when they start foundations,

632
00:33:51,680 --> 00:33:54,480
Speaker 1: they you know, they either get its relative or a

633
00:33:54,720 --> 00:33:57,400
Speaker 1: best friend. How did you set up your foundation? Because

634
00:33:57,400 --> 00:33:59,920
Speaker 1: a lot of people require about the show. Wasn't a rule?

635
00:34:00,040 --> 00:34:02,520
Speaker 1: Was up setting up a foundation? Who should be involved

636
00:34:02,520 --> 00:34:05,120
Speaker 1: in helping set up the foundation? What? What? What? You know?

637
00:34:05,120 --> 00:34:07,280
Speaker 1: You're an athlete. A lot of people I'm sure approach you.

638
00:34:07,280 --> 00:34:09,880
Speaker 1: Your agent may have recommended. How did you set up

639
00:34:09,920 --> 00:34:14,880
Speaker 1: your foundation? Well, I would say this my foundation. I

640
00:34:15,040 --> 00:34:18,160
Speaker 1: learned a lot through trial and error. UM. I did

641
00:34:18,200 --> 00:34:21,960
Speaker 1: start off my foundation when there was one specific person

642
00:34:22,120 --> 00:34:26,000
Speaker 1: that they approached me about wanting to help me start

643
00:34:26,040 --> 00:34:28,879
Speaker 1: my foundation, and and she did a really good job

644
00:34:28,960 --> 00:34:31,719
Speaker 1: of helping set up UM, you know, setting up beating

645
00:34:31,719 --> 00:34:34,120
Speaker 1: A five and one C three and setting up a

646
00:34:34,160 --> 00:34:39,520
Speaker 1: website and UM start my initial fundraiser. But through trialing

647
00:34:39,560 --> 00:34:42,960
Speaker 1: area through time, you know, I gradually UM set up

648
00:34:43,000 --> 00:34:46,279
Speaker 1: my board of directors and grew that number. Started off

649
00:34:46,360 --> 00:34:48,960
Speaker 1: with just three and then it went to five and

650
00:34:49,000 --> 00:34:53,000
Speaker 1: now it's seven board members. And we've had board members

651
00:34:53,080 --> 00:34:55,480
Speaker 1: go in and out over the years, but for the

652
00:34:55,520 --> 00:34:58,359
Speaker 1: most part, we've had a fold set of about five

653
00:34:58,640 --> 00:35:00,320
Speaker 1: board members that have been there since a again, and

654
00:35:01,080 --> 00:35:02,960
Speaker 1: it's it's one of those things as you go, you

655
00:35:03,080 --> 00:35:05,000
Speaker 1: learn that you want to have your board be is

656
00:35:05,440 --> 00:35:08,520
Speaker 1: is UM diverse as possible. You want them to be

657
00:35:08,560 --> 00:35:13,600
Speaker 1: able to hit varying aspects in um, the professional realm,

658
00:35:13,960 --> 00:35:17,560
Speaker 1: just in all different aspects of when you need people

659
00:35:17,640 --> 00:35:20,239
Speaker 1: that like, you know, I have a lawyer or two

660
00:35:20,280 --> 00:35:22,399
Speaker 1: have two lawyers on my board, and so they help

661
00:35:22,440 --> 00:35:26,000
Speaker 1: you with a lot of the legal aspects trademarking, copyright,

662
00:35:26,080 --> 00:35:29,040
Speaker 1: all those type of things. UM. But you want to

663
00:35:29,040 --> 00:35:31,960
Speaker 1: have a diverse board when it comes to their profession

664
00:35:32,000 --> 00:35:35,280
Speaker 1: and as well as what their background is as well. UM.

665
00:35:35,520 --> 00:35:37,759
Speaker 1: You want to have a board that is not just

666
00:35:37,880 --> 00:35:41,360
Speaker 1: an agreeable board. You want them to understand your vision,

667
00:35:41,840 --> 00:35:43,440
Speaker 1: but at the same time, you want them to be

668
00:35:43,480 --> 00:35:46,880
Speaker 1: able to challenge you, UM with some of the decisions

669
00:35:46,920 --> 00:35:49,120
Speaker 1: that you're making, so that you're making sure that you

670
00:35:49,160 --> 00:35:53,239
Speaker 1: don't have a bunch of yes people around because it's

671
00:35:53,239 --> 00:35:55,080
Speaker 1: important to you. That's why I wanted to bring that

672
00:35:55,160 --> 00:35:57,440
Speaker 1: up way because you know, I have another break. I

673
00:35:57,480 --> 00:35:59,600
Speaker 1: want to really break down talk about the books, but

674
00:35:59,600 --> 00:36:01,600
Speaker 1: I want to just talk about your journey a little bit.

675
00:36:01,840 --> 00:36:03,920
Speaker 1: And when you start talking about the foundation, people just

676
00:36:04,160 --> 00:36:06,000
Speaker 1: pop them into a foundation. You have to have record

677
00:36:06,080 --> 00:36:08,560
Speaker 1: keeping and Also when you talk talking about your board,

678
00:36:08,800 --> 00:36:11,400
Speaker 1: every board member has to bring something to the table.

679
00:36:11,840 --> 00:36:13,879
Speaker 1: You know, if you're a very low level, they should

680
00:36:13,880 --> 00:36:16,640
Speaker 1: be a graphic designer, if they should be a salesman.

681
00:36:16,680 --> 00:36:19,879
Speaker 1: They should be able to get you, get you some relationships.

682
00:36:19,880 --> 00:36:23,319
Speaker 1: It should be a relationship person and all everybody on

683
00:36:23,360 --> 00:36:26,160
Speaker 1: that board shouldn't just be I just like you, I'm here.

684
00:36:26,520 --> 00:36:31,279
Speaker 1: They have to bring something substantial to the organization. Are

685
00:36:31,360 --> 00:36:34,360
Speaker 1: the are the calls that you're trying to grow and

686
00:36:34,400 --> 00:36:38,840
Speaker 1: to bring your bring you financial recognition to an assistance

687
00:36:38,880 --> 00:36:41,520
Speaker 1: to and also brand recognition. And that's really the key,

688
00:36:41,560 --> 00:36:44,239
Speaker 1: and that's what use referencing that these board members have

689
00:36:44,280 --> 00:36:46,520
Speaker 1: to bring something to the table other than I like

690
00:36:46,600 --> 00:36:48,400
Speaker 1: you as an athlete or I like you as a person,

691
00:36:49,960 --> 00:36:53,200
Speaker 1: no question. And you know a lot of people. The

692
00:36:53,200 --> 00:36:56,960
Speaker 1: thing you run into is when you have UM athletes

693
00:36:57,040 --> 00:36:59,759
Speaker 1: or people that are trying to start a foundation, a

694
00:36:59,760 --> 00:37:02,640
Speaker 1: lot of times the people that they want to do

695
00:37:02,719 --> 00:37:05,400
Speaker 1: the foundations with them are people that they trust. And

696
00:37:05,440 --> 00:37:08,000
Speaker 1: so that's why a lot of times you'll see UM

697
00:37:08,120 --> 00:37:10,799
Speaker 1: family members that are part of the boards, are are

698
00:37:10,920 --> 00:37:15,480
Speaker 1: part of you know, starting the organization. But there's I

699
00:37:15,680 --> 00:37:17,600
Speaker 1: don't think there's anything wrong with that as long as,

700
00:37:17,640 --> 00:37:19,799
Speaker 1: like you mentioned, they bring something to the table. Like

701
00:37:19,880 --> 00:37:26,520
Speaker 1: my my mom, uh is the treasurer and secretary for

702
00:37:26,680 --> 00:37:30,719
Speaker 1: the board. Well, she's been in banking. I'm thirty seven

703
00:37:30,800 --> 00:37:33,000
Speaker 1: years old. She's been in banking. My kind of life,

704
00:37:33,480 --> 00:37:36,319
Speaker 1: whether it's being broughted off as a bank teller too.

705
00:37:36,920 --> 00:37:40,600
Speaker 1: Now she's an auditor of you know, a multimillion dollar company.

706
00:37:40,680 --> 00:37:44,799
Speaker 1: So when you have you have family members, somebody that

707
00:37:45,040 --> 00:37:47,239
Speaker 1: the combination, somebody that you can trust, that can tell

708
00:37:47,239 --> 00:37:50,880
Speaker 1: you about yourself, and then also that is uh, it

709
00:37:51,000 --> 00:37:53,000
Speaker 1: is confident in what they're doing. That's kind of the

710
00:37:53,080 --> 00:37:56,040
Speaker 1: right formula to be a success. I think in no ways.

711
00:37:56,120 --> 00:37:58,600
Speaker 1: You know you you you know you're you're You're an entrepreneur,

712
00:37:58,800 --> 00:38:01,719
Speaker 1: You're a creative content producing guy. You know, this is

713
00:38:01,760 --> 00:38:04,279
Speaker 1: just the early stages. I'm a writer writing This is

714
00:38:04,360 --> 00:38:07,279
Speaker 1: n eighty two and sitcom and writing films, So I

715
00:38:07,360 --> 00:38:10,680
Speaker 1: know about content producing. I know about talented people, and

716
00:38:10,719 --> 00:38:13,160
Speaker 1: I know that your force. You know, the artwork is

717
00:38:13,200 --> 00:38:16,360
Speaker 1: really good, the storytelling was really good. I felt it

718
00:38:16,440 --> 00:38:19,160
Speaker 1: very relatable. I'm just letting you know that what you're

719
00:38:19,200 --> 00:38:21,800
Speaker 1: talking about just moving up, just moving you moving that

720
00:38:21,920 --> 00:38:24,239
Speaker 1: right up to high school, because that's right, that's right there.

721
00:38:24,840 --> 00:38:26,759
Speaker 1: Think that you really think you will get a big head,

722
00:38:26,760 --> 00:38:28,640
Speaker 1: get a big head in high school, and think that

723
00:38:28,680 --> 00:38:31,040
Speaker 1: you think that you can just stop studying and you're

724
00:38:31,040 --> 00:38:33,239
Speaker 1: gonna go to college, and then you and then go

725
00:38:33,320 --> 00:38:35,799
Speaker 1: to college and you just flunk out and so because

726
00:38:35,800 --> 00:38:37,719
Speaker 1: you don't know the basic technique. So I just felt

727
00:38:37,760 --> 00:38:39,680
Speaker 1: that the book that you wrote at that age group

728
00:38:40,120 --> 00:38:44,480
Speaker 1: was very transferable to the middle school, was very transferable

729
00:38:44,800 --> 00:38:48,719
Speaker 1: to high school. And not you know, hey, you you've

730
00:38:48,760 --> 00:38:51,319
Speaker 1: been successful without me. I'm just telling you from a

731
00:38:51,360 --> 00:38:53,920
Speaker 1: brand guy, from a guy who does mark up. I

732
00:38:54,040 --> 00:38:56,040
Speaker 1: like to call myself a marketing expert because just look

733
00:38:56,080 --> 00:38:58,560
Speaker 1: at my resume. You got it going on, my friend,

734
00:38:58,840 --> 00:39:02,120
Speaker 1: and just know that. Just make them older because it's relatable.

735
00:39:02,120 --> 00:39:04,400
Speaker 1: And when you make it relatable, then more people be

736
00:39:04,880 --> 00:39:08,800
Speaker 1: engaged because your brand know this. Those kids, they're growing

737
00:39:08,880 --> 00:39:11,279
Speaker 1: older and you gotta you gotta go with them. Two ways.

738
00:39:11,280 --> 00:39:13,080
Speaker 1: You gotta go with them. You can't, you just can't

739
00:39:13,239 --> 00:39:15,080
Speaker 1: have an element. You got to go find them again

740
00:39:15,080 --> 00:39:16,919
Speaker 1: in middle school because they're gonna they would never forgot

741
00:39:16,960 --> 00:39:19,080
Speaker 1: some of them. Good those good lessons you taught them

742
00:39:19,239 --> 00:39:21,560
Speaker 1: and you gotta go find them again in high school. Okay,

743
00:39:22,960 --> 00:39:25,880
Speaker 1: no question about another question of black I will be

744
00:39:25,920 --> 00:39:28,160
Speaker 1: doing so and and I really want to appreciate you

745
00:39:28,200 --> 00:39:30,200
Speaker 1: know you're coming on my show because of the fact

746
00:39:30,239 --> 00:39:31,840
Speaker 1: that how can we if we want to make a

747
00:39:31,880 --> 00:39:34,840
Speaker 1: donation or do you have any galas coming up anything

748
00:39:34,880 --> 00:39:38,359
Speaker 1: on the calendar that I can support you in. Well,

749
00:39:38,640 --> 00:39:41,080
Speaker 1: First of all, you can always go to wat Smith

750
00:39:41,120 --> 00:39:43,960
Speaker 1: Foundation dot org some if you want to pit on

751
00:39:44,040 --> 00:39:47,160
Speaker 1: their um they're the tab on there that you can

752
00:39:47,280 --> 00:39:49,840
Speaker 1: just do a donation in general donation. We also have

753
00:39:50,000 --> 00:39:53,640
Speaker 1: our both of the books are available for sale at

754
00:39:53,640 --> 00:39:57,520
Speaker 1: Wastemith Foundation dot org. The books also available at Amazon

755
00:39:57,719 --> 00:40:00,760
Speaker 1: and different outlets like that. But all of the money

756
00:40:00,880 --> 00:40:03,440
Speaker 1: from the sales of the book go to the foundation,

757
00:40:03,520 --> 00:40:07,800
Speaker 1: and so when we sell them directly from our foundation website,

758
00:40:07,920 --> 00:40:11,319
Speaker 1: we get a much larger percentage of the funds and

759
00:40:11,360 --> 00:40:14,640
Speaker 1: you know that your funds are directly going to helping

760
00:40:15,120 --> 00:40:18,919
Speaker 1: kids read at grade level here in the Houston area

761
00:40:18,960 --> 00:40:21,640
Speaker 1: as well as UM Dallas. And then we also do

762
00:40:21,680 --> 00:40:24,000
Speaker 1: our reading with the pros event all over the country

763
00:40:24,120 --> 00:40:26,480
Speaker 1: when we go to very Super Bowls. You know, we

764
00:40:26,520 --> 00:40:32,800
Speaker 1: went to San Francisco. We went to Arizona into Luvier

765
00:40:32,880 --> 00:40:38,000
Speaker 1: in Atlanta, no question. Alright, we'll be right back with

766
00:40:38,120 --> 00:40:41,160
Speaker 1: more from mar Sean McDonald. The money making conversations don't

767
00:40:41,160 --> 00:40:45,520
Speaker 1: touch that thought. Yeah, we sort of stopped paying attention

768
00:40:45,560 --> 00:40:48,440
Speaker 1: and wracked up a lot of debt. Yeah, it was stressful.

769
00:40:48,600 --> 00:40:50,680
Speaker 1: He blamed me for my credit card debt and I

770
00:40:50,719 --> 00:40:53,800
Speaker 1: blamed him for building that man cave. It's awesome anyway,

771
00:40:53,840 --> 00:40:56,439
Speaker 1: we stopped blaming each other, did our homework and read

772
00:40:56,440 --> 00:40:59,040
Speaker 1: that a smart way to consolidate debt is to get

773
00:40:59,040 --> 00:41:02,160
Speaker 1: a fixed rate own. But getting a loan was brutal

774
00:41:02,239 --> 00:41:04,239
Speaker 1: and a time drain. So I was in my man

775
00:41:04,360 --> 00:41:07,839
Speaker 1: cave researching personal loans and I found best Egg. They

776
00:41:07,880 --> 00:41:09,520
Speaker 1: have an A plus rating with the B B B

777
00:41:10,080 --> 00:41:13,200
Speaker 1: and best egg handles everything online start to finish, and

778
00:41:13,320 --> 00:41:16,160
Speaker 1: Consumer Affairs gave best Egg five stars for their easy

779
00:41:16,280 --> 00:41:18,880
Speaker 1: online loan app. And we could be approved and funded

780
00:41:18,920 --> 00:41:21,719
Speaker 1: and as little as one business day. I applied online

781
00:41:21,840 --> 00:41:24,560
Speaker 1: with no impact my credit score. She always takes credit

782
00:41:24,560 --> 00:41:27,160
Speaker 1: from my wins. But long story short, she got an

783
00:41:27,200 --> 00:41:30,520
Speaker 1: awesome loan, paid off our cards and some bills while

784
00:41:30,600 --> 00:41:33,120
Speaker 1: lowering our monthly payment. The Best Egg loan was like

785
00:41:33,160 --> 00:41:37,320
Speaker 1: a total fresh start. Visit best egg dot com slash

786
00:41:37,440 --> 00:41:42,040
Speaker 1: blue Best egg dot Com slash blue. Subject credit approval,

787
00:41:42,040 --> 00:41:43,960
Speaker 1: actual rates, visa approval times will very Let me tell

788
00:41:43,960 --> 00:41:47,719
Speaker 1: you about the host of Money Making Conversations Rashaan McDonald.

789
00:41:47,840 --> 00:41:51,920
Speaker 1: He's the social media influencer. Of his seven hundred thousand

790
00:41:51,960 --> 00:41:55,080
Speaker 1: plus social media followers are female. He's a two time

791
00:41:55,120 --> 00:41:58,200
Speaker 1: Emmy Award winner, three time n double A CP Image

792
00:41:58,200 --> 00:42:03,040
Speaker 1: Award winner, sitcom writer, stand Up comic, former, IBM executive,

793
00:42:03,200 --> 00:42:07,000
Speaker 1: and has a degree in mathematics. More importantly, Rashan McDonald

794
00:42:07,040 --> 00:42:10,520
Speaker 1: will use his business and celebrity relationships to empower small

795
00:42:10,560 --> 00:42:14,560
Speaker 1: businesses with information to succeed. As host of Money Making Conversations,

796
00:42:14,640 --> 00:42:18,200
Speaker 1: Rashan McDonald is uniquely positioned to provide a step by step,

797
00:42:18,280 --> 00:42:21,440
Speaker 1: easy to understand blueprint that drives listeners to realize their

798
00:42:21,520 --> 00:42:25,080
Speaker 1: dreams and aspirations. Until you do the business plan or

799
00:42:25,080 --> 00:42:29,240
Speaker 1: incorporate or actually create that product or start selling products,

800
00:42:29,360 --> 00:42:32,200
Speaker 1: the universe doesn't have to deal with Money Making Conversations

801
00:42:32,280 --> 00:42:35,680
Speaker 1: is an innovative platform that delivers financial literacy to help

802
00:42:35,719 --> 00:42:38,160
Speaker 1: everyone with their brand success. It's good to have a

803
00:42:38,239 --> 00:42:45,239
Speaker 1: money make a conversation with somebody that makes money. Love

804
00:42:45,320 --> 00:42:49,200
Speaker 1: that beat. Do do do do? Do do do? That's

805
00:42:49,239 --> 00:42:52,080
Speaker 1: my jeopardy. I want to get as famous as Jeopardy.

806
00:42:52,120 --> 00:42:55,080
Speaker 1: So people just walk round money, make a conversation. I

807
00:42:55,120 --> 00:42:58,280
Speaker 1: know that, I know that my next guest on the phone,

808
00:42:59,280 --> 00:43:00,759
Speaker 1: they just call in. I love it. I love it

809
00:43:00,760 --> 00:43:02,960
Speaker 1: when people call in all time. You know, you don't

810
00:43:02,960 --> 00:43:04,480
Speaker 1: have to talk, but I love to talk anyway, So

811
00:43:04,480 --> 00:43:07,640
Speaker 1: I'm good. One is the director of operations, which means

812
00:43:07,680 --> 00:43:11,279
Speaker 1: that that person runs things, and the lead creator for

813
00:43:11,320 --> 00:43:14,880
Speaker 1: the Napturalistic Moji team, and the other person the CEO

814
00:43:15,320 --> 00:43:19,279
Speaker 1: of the Napturalistic Moji Team. Please working to money making conversations.

815
00:43:19,520 --> 00:43:24,319
Speaker 1: Alex okafor and Renee lindsay, Hi, thank you for having

816
00:43:24,400 --> 00:43:27,000
Speaker 1: us the low. Thank you happy to be on. Alexi

817
00:43:27,080 --> 00:43:29,640
Speaker 1: just blasted right in front of you, man, that that's

818
00:43:29,640 --> 00:43:31,520
Speaker 1: how that's how it is all the time. Man, you know,

819
00:43:33,239 --> 00:43:35,440
Speaker 1: oh you're gonna do it like that, because man, she

820
00:43:35,440 --> 00:43:38,680
Speaker 1: she didn't care about your brother. I thought she's on

821
00:43:38,680 --> 00:43:41,879
Speaker 1: the phone by herself there for a minute. But it's

822
00:43:41,880 --> 00:43:45,080
Speaker 1: beautiful because you're working to do to change lives here.

823
00:43:45,440 --> 00:43:47,440
Speaker 1: So first of all, before I get started, we got

824
00:43:47,440 --> 00:43:49,439
Speaker 1: two great breaks to talk about. To take your time.

825
00:43:49,800 --> 00:43:55,680
Speaker 1: How did you two get together? Alexia on that? Okay,

826
00:43:56,719 --> 00:44:02,279
Speaker 1: she's so nice. Okay, Alex speak on Alex speaking on that,

827
00:44:02,400 --> 00:44:05,360
Speaker 1: please speak on that. Please. So we we met. Um.

828
00:44:06,960 --> 00:44:08,600
Speaker 1: I want to say, this is like we're looking at

829
00:44:08,719 --> 00:44:12,960
Speaker 1: like maybe ten years ago, um in in Oakland, California,

830
00:44:13,719 --> 00:44:17,120
Speaker 1: UM at an outing in the evening, and we remained

831
00:44:17,200 --> 00:44:20,760
Speaker 1: very very good friends and got the friendlier over the years.

832
00:44:20,800 --> 00:44:25,200
Speaker 1: And so now count her as a lucky are to

833
00:44:25,280 --> 00:44:28,000
Speaker 1: be the lucky man in her life. And uh, she's

834
00:44:28,040 --> 00:44:31,439
Speaker 1: obviously wonderful woman to have in my life. So yes,

835
00:44:31,520 --> 00:44:34,520
Speaker 1: we're looking in a relationship for a long time now

836
00:44:34,640 --> 00:44:40,719
Speaker 1: and just been a blessing for sure. Now, Renee, how

837
00:44:40,800 --> 00:44:42,560
Speaker 1: y'all actually met? You know, give me, give me a

838
00:44:42,600 --> 00:44:46,319
Speaker 1: little more anything. Half story, he told me, if I

839
00:44:46,320 --> 00:44:50,400
Speaker 1: feel like I was watching Black Panther. We made that's

840
00:44:50,520 --> 00:44:52,960
Speaker 1: that's the true story. We made in Oakland at at

841
00:44:53,000 --> 00:44:57,720
Speaker 1: a poetry night, and we were love Jones, Love Jones,

842
00:44:57,760 --> 00:45:02,080
Speaker 1: come on nothing kind like left John. Yeah. We just

843
00:45:02,120 --> 00:45:04,520
Speaker 1: engaged some in some really interesting conversation and so we

844
00:45:04,560 --> 00:45:07,000
Speaker 1: decided to keep in touch and the rest of history. Okay,

845
00:45:07,360 --> 00:45:09,440
Speaker 1: keep into how did you guys stay in touch? How

846
00:45:09,480 --> 00:45:11,560
Speaker 1: how is that work? How they did that work? Because

847
00:45:11,560 --> 00:45:14,120
Speaker 1: he was playing basketball correct at the time, was he not?

848
00:45:14,520 --> 00:45:17,560
Speaker 1: He was? He was? And you know what's interesting is

849
00:45:17,600 --> 00:45:19,360
Speaker 1: he ended up playing in Europe at the time that

850
00:45:19,440 --> 00:45:22,479
Speaker 1: I was moving to Europe, and so we both lived

851
00:45:22,480 --> 00:45:26,520
Speaker 1: in Europe. Yeah, a few years, so it worked out. Okay,

852
00:45:26,520 --> 00:45:28,520
Speaker 1: now we're about in Europe that you moved to and

853
00:45:28,840 --> 00:45:32,799
Speaker 1: bout the Europe were you playing, Alex I moved to

854
00:45:32,840 --> 00:45:36,480
Speaker 1: London and then I wasn't. I was in Germany at

855
00:45:36,520 --> 00:45:39,200
Speaker 1: the time initially, but I moved. I moved throughout euro

856
00:45:39,280 --> 00:45:42,400
Speaker 1: I was in Germany, I was in France. Uh, Luxembourg

857
00:45:42,440 --> 00:45:45,600
Speaker 1: back to France. So I moved a little bit France.

858
00:45:45,640 --> 00:45:47,640
Speaker 1: You know, he was just a train ride away. You know,

859
00:45:48,040 --> 00:45:51,200
Speaker 1: you could just take you could swim to your love

860
00:45:51,280 --> 00:45:55,120
Speaker 1: from France, you know what I'm saying. Yeah, it was

861
00:45:55,160 --> 00:45:57,320
Speaker 1: kind of nice. We would like meet on the weekends

862
00:45:57,400 --> 00:45:59,960
Speaker 1: and pairs. You know, it was kind of movie asked.

863
00:46:01,160 --> 00:46:02,839
Speaker 1: Paris is one of my favorite city. By the way,

864
00:46:02,880 --> 00:46:05,239
Speaker 1: I love Mr Paris. Now, don't don't don't you're talking

865
00:46:05,239 --> 00:46:07,600
Speaker 1: about the parents. I've been the parents a couple of times.

866
00:46:07,640 --> 00:46:10,720
Speaker 1: You know what I'm saying. I got photos in Paris,

867
00:46:10,760 --> 00:46:13,600
Speaker 1: so I'll tell you some stories too, though you know

868
00:46:14,080 --> 00:46:15,960
Speaker 1: I always tell people this. You know you do you

869
00:46:16,040 --> 00:46:17,480
Speaker 1: live a good life? You know I lived there. I

870
00:46:17,560 --> 00:46:19,680
Speaker 1: live a good life. I won't say lived a good life.

871
00:46:19,880 --> 00:46:22,759
Speaker 1: And uh and when I look back by life, I

872
00:46:22,800 --> 00:46:26,240
Speaker 1: would have moved to Paris. It's it's such a really

873
00:46:26,280 --> 00:46:31,320
Speaker 1: cool cultural environment. Uh that just the language, the food,

874
00:46:31,800 --> 00:46:34,520
Speaker 1: that the city, and the fact when you're in France

875
00:46:34,719 --> 00:46:38,000
Speaker 1: you go everywhere, you go everywhere, you experience everything. So

876
00:46:38,000 --> 00:46:40,200
Speaker 1: so that's the reason I wanted to talk about that,

877
00:46:40,239 --> 00:46:42,759
Speaker 1: because of the fact that that that worldly, this that

878
00:46:42,840 --> 00:46:44,880
Speaker 1: you guys have to be able to. I've seen the

879
00:46:44,920 --> 00:46:48,280
Speaker 1: world you from a standpoint of playing in different countries

880
00:46:48,360 --> 00:46:52,080
Speaker 1: and physically and from an athletic standpoint, and from you

881
00:46:52,239 --> 00:46:54,279
Speaker 1: have to say, an entrepreneur standpoint, and then you move

882
00:46:54,360 --> 00:46:58,080
Speaker 1: into London getting experienced that lifestyle. Then you brought it

883
00:46:58,120 --> 00:47:03,880
Speaker 1: back to the United States. Talk about that. Sure sure,

884
00:47:03,960 --> 00:47:07,640
Speaker 1: sure so. Um in the summers, um, regardless of whether

885
00:47:07,680 --> 00:47:09,640
Speaker 1: or not I was planning, UM you know Europe or

886
00:47:09,680 --> 00:47:11,640
Speaker 1: as you're aware of or um, you know my my

887
00:47:11,680 --> 00:47:15,239
Speaker 1: home basis of Barry, California, and I was fortunate to

888
00:47:15,360 --> 00:47:18,480
Speaker 1: have that be Renee's home base as well, where most

889
00:47:18,640 --> 00:47:21,200
Speaker 1: a lot of her family is. UM and so we

890
00:47:21,239 --> 00:47:24,560
Speaker 1: would we'd be able to kind of sustain that relationship

891
00:47:24,600 --> 00:47:28,560
Speaker 1: in the meantime. UM. And I think from an entrepreneurial standpoint, UM,

892
00:47:28,560 --> 00:47:30,720
Speaker 1: I always wanted to get my stuff, my hands involved

893
00:47:30,719 --> 00:47:32,600
Speaker 1: in something, see what I could learn about, what I

894
00:47:32,600 --> 00:47:34,680
Speaker 1: could work to create in the off season. You know,

895
00:47:34,680 --> 00:47:37,719
Speaker 1: I didn't want to reduce myself to just being an athlete. UM.

896
00:47:37,760 --> 00:47:40,279
Speaker 1: I was privileged to have a good education, to have

897
00:47:40,320 --> 00:47:41,600
Speaker 1: a lot of friends who are doing a lot of

898
00:47:41,600 --> 00:47:44,480
Speaker 1: exciting and um, exciting things, and they kind of inspired

899
00:47:44,480 --> 00:47:46,480
Speaker 1: me to want to create and build and think about

900
00:47:46,719 --> 00:47:50,000
Speaker 1: the next chapter of my life personally. UM. And I'll

901
00:47:50,040 --> 00:47:53,040
Speaker 1: allow Renee to speak for herself concerned and her professional track.

902
00:47:54,640 --> 00:47:58,520
Speaker 1: Come on, big talker, Come on, big talker, Come on. Well,

903
00:47:58,640 --> 00:48:01,240
Speaker 1: I actually I I the question a little bit differently

904
00:48:01,280 --> 00:48:03,920
Speaker 1: at UM and I was thinking in terms of I

905
00:48:04,000 --> 00:48:06,480
Speaker 1: was thinking in terms of natural least emoji UM and

906
00:48:06,520 --> 00:48:10,239
Speaker 1: then the way that my experience in different spaces influence

907
00:48:10,360 --> 00:48:14,960
Speaker 1: my thought processes. On the reason that it was created. UM,

908
00:48:15,000 --> 00:48:19,680
Speaker 1: And it's just kind of like looking around and observing

909
00:48:19,760 --> 00:48:23,000
Speaker 1: the interaction that black people have all over the world,

910
00:48:23,000 --> 00:48:25,440
Speaker 1: and how it's not really unique to America, right, that

911
00:48:25,480 --> 00:48:28,960
Speaker 1: we are other and that we're not really represented. UM.

912
00:48:29,000 --> 00:48:30,960
Speaker 1: And I would say that that kind of stuck with

913
00:48:31,000 --> 00:48:33,720
Speaker 1: me throughout. But no matter where I go, it always

914
00:48:33,719 --> 00:48:37,000
Speaker 1: seems as though black women are you know, viewed as other,

915
00:48:37,160 --> 00:48:40,359
Speaker 1: like not highlighted as a beautiful one. And so that's

916
00:48:40,400 --> 00:48:44,239
Speaker 1: kind of like what triggered our thought process on the project. Cool.

917
00:48:44,440 --> 00:48:47,080
Speaker 1: So now you guys are team members on this project

918
00:48:47,160 --> 00:48:57,360
Speaker 1: is the naturalistic Moji? Naturally moji? Okay, cool, help me

919
00:48:57,440 --> 00:49:03,839
Speaker 1: out now you know, broad aga how to this thought? Okay, yeah,

920
00:49:03,840 --> 00:49:05,960
Speaker 1: I can take that one. UM. So kind of like

921
00:49:06,000 --> 00:49:08,640
Speaker 1: what I was getting on earlier. I started from from

922
00:49:08,640 --> 00:49:12,520
Speaker 1: conversations amongst friends about the lack of representation that we

923
00:49:12,680 --> 00:49:16,120
Speaker 1: see about black people, black women in particular in the

924
00:49:16,120 --> 00:49:20,319
Speaker 1: media and um images about beauty and things like that,

925
00:49:20,360 --> 00:49:23,799
Speaker 1: and also from observations that were made during play DAGs

926
00:49:23,840 --> 00:49:26,640
Speaker 1: with our nieces around the engagement that they had with

927
00:49:26,719 --> 00:49:28,600
Speaker 1: dolls and the way that it influenced the way that

928
00:49:28,600 --> 00:49:32,680
Speaker 1: they see themselves. UM. And then conversations with with some

929
00:49:32,760 --> 00:49:35,200
Speaker 1: of my older nieces about some of the challenges that

930
00:49:35,280 --> 00:49:38,560
Speaker 1: they feel as black girls growing up in spaces that

931
00:49:38,600 --> 00:49:41,520
Speaker 1: are primarily occupied by non black people, you know, long

932
00:49:41,560 --> 00:49:45,000
Speaker 1: in the Bay Area. UM. And then the messaging that

933
00:49:45,040 --> 00:49:47,600
Speaker 1: accompanied that, right, And so we both had a had

934
00:49:47,600 --> 00:49:50,480
Speaker 1: a desire We both are really close to our nieces

935
00:49:50,560 --> 00:49:53,040
Speaker 1: and so had it had a strong desire to to

936
00:49:54,239 --> 00:49:58,600
Speaker 1: um influence positively the way that they see themselves, UM

937
00:49:58,680 --> 00:50:00,400
Speaker 1: and the way that they interact with the worlds and

938
00:50:00,480 --> 00:50:04,000
Speaker 1: so UM. Yeah, just just like I was saying reflections

939
00:50:04,040 --> 00:50:06,920
Speaker 1: about the harsh realities that black women and girls are

940
00:50:07,120 --> 00:50:12,080
Speaker 1: often excluded in conversations around beauty and worse and desirability.

941
00:50:12,120 --> 00:50:15,240
Speaker 1: So we really wanted to do something that was made

942
00:50:15,360 --> 00:50:19,200
Speaker 1: with black women as the focus. UM. And then particularly

943
00:50:19,200 --> 00:50:22,960
Speaker 1: with the Naturalist Emoji project being in in a digital space,

944
00:50:23,120 --> 00:50:25,439
Speaker 1: is UM to carve a digital space for black women

945
00:50:25,520 --> 00:50:28,279
Speaker 1: to be celebrated that was free from intrusion. So that

946
00:50:28,360 --> 00:50:31,799
Speaker 1: was truly ours. So if you look at our emojis,

947
00:50:31,840 --> 00:50:34,040
Speaker 1: you know, it's it's us, Like, it's it's for us,

948
00:50:34,120 --> 00:50:37,480
Speaker 1: it's by us, with us in mind. And yeah, it's

949
00:50:37,480 --> 00:50:39,759
Speaker 1: a beautiful thing. Yeah. One of my producers, she you know,

950
00:50:39,840 --> 00:50:41,759
Speaker 1: she sent it to me. You gotta on the show.

951
00:50:41,800 --> 00:50:43,600
Speaker 1: Look at this is so cool. This is so cool,

952
00:50:44,200 --> 00:50:46,680
Speaker 1: you know, and uh, what age group are you looking at?

953
00:50:46,719 --> 00:50:49,040
Speaker 1: What are you group? Are you trying to brand this

954
00:50:49,800 --> 00:50:54,840
Speaker 1: these emojis too? Oh, sure, I'll pick that. The unique

955
00:50:54,840 --> 00:50:57,200
Speaker 1: thing about it is there's a little bit of something

956
00:50:57,239 --> 00:51:01,759
Speaker 1: for everyone, you know, yes, for sure, for sure. Um.

957
00:51:01,960 --> 00:51:05,719
Speaker 1: The idea was to make it playful enough that you know,

958
00:51:05,840 --> 00:51:07,759
Speaker 1: young kids and you know, this is obviously up to

959
00:51:07,760 --> 00:51:10,080
Speaker 1: parents at what time they exposed their their children to

960
00:51:10,239 --> 00:51:12,560
Speaker 1: two screens and things of that nature for young kids

961
00:51:12,560 --> 00:51:15,440
Speaker 1: could have an appeal. And what we did, which what

962
00:51:15,520 --> 00:51:18,120
Speaker 1: we thought would be very important. Um. And as much

963
00:51:18,160 --> 00:51:20,440
Speaker 1: as you know, um, some of the lead ladies on

964
00:51:20,480 --> 00:51:23,640
Speaker 1: the creative side had influence. We were sure to check

965
00:51:23,680 --> 00:51:26,120
Speaker 1: in with our nieces and in my case, my my daughter,

966
00:51:26,160 --> 00:51:29,919
Speaker 1: to make sure it passed the cool the cool factors. Um,

967
00:51:30,160 --> 00:51:32,640
Speaker 1: he know what I mean, So that it had an appeal. Um.

968
00:51:32,680 --> 00:51:35,120
Speaker 1: That was that was fairly broad and we wanted, you know,

969
00:51:35,239 --> 00:51:36,960
Speaker 1: little black girls to be able to see themselves in

970
00:51:37,000 --> 00:51:41,200
Speaker 1: these characters. And obviously you know millennial, Um, the millennial

971
00:51:41,239 --> 00:51:42,960
Speaker 1: age group is an age group that obviously we have

972
00:51:43,000 --> 00:51:45,600
Speaker 1: a close connection to UM seeing as that we're part

973
00:51:45,640 --> 00:51:47,759
Speaker 1: of it. So I think we wanted to make sure

974
00:51:47,760 --> 00:51:50,520
Speaker 1: it was broad reaching and that the the emoji spoke

975
00:51:50,560 --> 00:51:53,319
Speaker 1: to him. So we were intential about making sure that

976
00:51:54,000 --> 00:51:56,960
Speaker 1: UM the unique value proposition was the three D characters

977
00:51:56,960 --> 00:51:59,880
Speaker 1: that really popped and showed our melanin risk, in complexion,

978
00:52:00,080 --> 00:52:04,399
Speaker 1: in our afrotexire here kind of work to affirmer. Right.

979
00:52:04,520 --> 00:52:07,799
Speaker 1: You know my daughter, she's twenty one and uh so,

980
00:52:08,200 --> 00:52:11,279
Speaker 1: and she's into gamification, into art work, you know, and so,

981
00:52:12,160 --> 00:52:14,880
Speaker 1: and so I'm to make sure she uh So, you

982
00:52:14,960 --> 00:52:17,360
Speaker 1: talked about content, you talked about a team. I know

983
00:52:17,440 --> 00:52:19,320
Speaker 1: you two are the two visionaries. Let's talk about that.

984
00:52:19,400 --> 00:52:21,520
Speaker 1: Let's translation a little bit to the to the content team.

985
00:52:21,560 --> 00:52:27,160
Speaker 1: How does that work? Sure? Sure? Sure so UM. Initially,

986
00:52:27,200 --> 00:52:30,359
Speaker 1: when I was when we first started to kind of

987
00:52:30,360 --> 00:52:33,080
Speaker 1: conceive of the project, we knew that we needed some

988
00:52:33,120 --> 00:52:37,120
Speaker 1: support UM from like a developer. We had a lot

989
00:52:37,160 --> 00:52:40,160
Speaker 1: of creative people on our team that had ideas and

990
00:52:40,200 --> 00:52:42,839
Speaker 1: that can kind of chart that course on the creative side,

991
00:52:42,840 --> 00:52:44,640
Speaker 1: but we knew that we needed support from a developer,

992
00:52:44,640 --> 00:52:47,160
Speaker 1: and so what we did is we tapped uh a

993
00:52:47,200 --> 00:52:50,279
Speaker 1: former alumni at my score at Princeton by the name

994
00:52:50,320 --> 00:52:53,359
Speaker 1: of Morio o Come. Uh. He's a brother who's been

995
00:52:53,360 --> 00:52:56,520
Speaker 1: in the app app world for a long time. UM,

996
00:52:56,960 --> 00:52:59,360
Speaker 1: he's had great success and so we tapped him. He's

997
00:52:59,400 --> 00:53:02,600
Speaker 1: become much of the mentor of sorts for me over

998
00:53:02,640 --> 00:53:04,480
Speaker 1: the years, and he has a group called the app

999
00:53:04,560 --> 00:53:09,439
Speaker 1: Magic Crew, and his his company was shout Out a Magic, Yes, Yes,

1000
00:53:09,680 --> 00:53:11,879
Speaker 1: shout out at Magic. His company was who we worked

1001
00:53:11,920 --> 00:53:14,799
Speaker 1: with to put the project together. And then from the

1002
00:53:14,840 --> 00:53:17,359
Speaker 1: creative side, it was the mostly pomularly the ladies taking

1003
00:53:17,400 --> 00:53:19,920
Speaker 1: the lead for curating the look and the design, and

1004
00:53:19,960 --> 00:53:22,799
Speaker 1: internally we have a designer UM, so that that made

1005
00:53:22,800 --> 00:53:26,400
Speaker 1: it much easier. From there it was just mostly conceptualizing

1006
00:53:26,480 --> 00:53:28,840
Speaker 1: and I would call like you Ui and UX so

1007
00:53:29,360 --> 00:53:31,560
Speaker 1: the design and making sure that it's just a sleek

1008
00:53:32,239 --> 00:53:34,799
Speaker 1: project that's kind of product that's easy to use and

1009
00:53:34,880 --> 00:53:38,200
Speaker 1: iterating and uh yeah, the rest is history. We were

1010
00:53:38,280 --> 00:53:41,600
Speaker 1: able to to chart a course for lunch. You're speaking

1011
00:53:41,640 --> 00:53:44,520
Speaker 1: the truth to say, Hey, this is the this is

1012
00:53:44,520 --> 00:53:48,359
Speaker 1: an underserved, undervalued core group that should be recognized. We've lived,

1013
00:53:48,440 --> 00:53:51,560
Speaker 1: We've lived all over this world and in African American

1014
00:53:51,600 --> 00:53:54,680
Speaker 1: women are black women are undappreciated and time to stop.

1015
00:53:56,160 --> 00:54:01,000
Speaker 1: That's that's right, that's right, and we when and so

1016
00:54:01,040 --> 00:54:02,239
Speaker 1: you gotta get it. What's what's ther day of the

1017
00:54:02,320 --> 00:54:04,160
Speaker 1: game in the February fifth, that's the game of date

1018
00:54:05,080 --> 00:54:08,719
Speaker 1: February second. We would love to have you. I've been

1019
00:54:08,760 --> 00:54:10,520
Speaker 1: trying to put that on my calendar. I've been coming

1020
00:54:10,560 --> 00:54:12,360
Speaker 1: into a lot of stuff. My staff over shot, how

1021
00:54:12,360 --> 00:54:14,160
Speaker 1: are you gonna go to all these different places? Guess what?

1022
00:54:14,400 --> 00:54:19,720
Speaker 1: I go to? Places I love? I love man Alex Rene,

1023
00:54:19,719 --> 00:54:21,640
Speaker 1: thank you for coming on the show. You've got my support.

1024
00:54:21,800 --> 00:54:27,480
Speaker 1: Loan term and definitely short term. Okay, we'll be right

1025
00:54:27,520 --> 00:54:30,759
Speaker 1: back with more from Marjohn McDonald and money making conversations

1026
00:54:30,840 --> 00:54:35,120
Speaker 1: don't touch that down. Yeah, we sort of stopped paying

1027
00:54:35,120 --> 00:54:37,759
Speaker 1: attention and racked up a lot of debt. Yeah, it

1028
00:54:37,840 --> 00:54:40,359
Speaker 1: was stressful. He blamed me for my credit card debt

1029
00:54:40,400 --> 00:54:42,759
Speaker 1: and I blamed him for building that man cave. It's

1030
00:54:42,840 --> 00:54:46,239
Speaker 1: awesome anyway, we stopped blaming each other. Dinner homework and

1031
00:54:46,239 --> 00:54:48,840
Speaker 1: read that a smart way to consolidate debt is to

1032
00:54:48,880 --> 00:54:51,560
Speaker 1: get a fixed rate loan. But getting a loan was

1033
00:54:51,760 --> 00:54:54,080
Speaker 1: brutal and a time drain. So I was in my

1034
00:54:54,120 --> 00:54:57,280
Speaker 1: man cave researching personal loans and I found best Egg.

1035
00:54:57,719 --> 00:54:59,360
Speaker 1: They have an A plus rating with the B B

1036
00:54:59,480 --> 00:55:02,880
Speaker 1: B and best Egg handles everything online start to finish,

1037
00:55:03,080 --> 00:55:05,879
Speaker 1: and Consumer Affairs gave best Egg five stars for their

1038
00:55:05,880 --> 00:55:08,480
Speaker 1: easy online, low app and we could be approved and

1039
00:55:08,520 --> 00:55:11,200
Speaker 1: funded and as little as one business day. I applied

1040
00:55:11,239 --> 00:55:14,279
Speaker 1: online with no impact my credit score. She always takes

1041
00:55:14,320 --> 00:55:17,000
Speaker 1: credit from my wins. But long story short, she got

1042
00:55:17,040 --> 00:55:20,040
Speaker 1: an awesome loan paid off our cards and some bills

1043
00:55:20,280 --> 00:55:23,000
Speaker 1: while lowering our monthly payment. The best Egg loan was

1044
00:55:23,080 --> 00:55:26,800
Speaker 1: like a total fresh start. Visit best egg dot com

1045
00:55:26,880 --> 00:55:31,520
Speaker 1: slash blue, best egg dot com slash blue. Subject to

1046
00:55:31,520 --> 00:55:33,960
Speaker 1: credit approval, actual rates, fees, and approval times will vary. Hey,

1047
00:55:33,960 --> 00:55:35,800
Speaker 1: this is Tasha Evans and I'd love to eat a

1048
00:55:35,840 --> 00:55:38,560
Speaker 1: great restaurants and more than that, I love great desserts.

1049
00:55:38,840 --> 00:55:43,200
Speaker 1: So does Rashaan McDonald. Check out his new website that's www.

1050
00:55:43,320 --> 00:55:46,719
Speaker 1: Rashan McDonald dot com. That's r U s h i

1051
00:55:47,040 --> 00:55:50,040
Speaker 1: O N and McDonald is spelled just like the famous

1052
00:55:50,040 --> 00:55:53,000
Speaker 1: restaurant chain guys. Rashawn is looking for great bakers for

1053
00:55:53,040 --> 00:55:55,399
Speaker 1: his Baker Spotlight. He wants to brag on his fans

1054
00:55:55,400 --> 00:55:58,640
Speaker 1: for their incredible baking skills on his social media and website.

1055
00:55:58,920 --> 00:56:01,759
Speaker 1: That can be your mom, brand, coworker, a relative. It's

1056
00:56:01,800 --> 00:56:05,200
Speaker 1: for the word today. Visit Rashan McDonald dot com. Let

1057
00:56:05,239 --> 00:56:08,000
Speaker 1: me tell you about the host of Money Making Conversations

1058
00:56:08,280 --> 00:56:12,520
Speaker 1: Rashaan McDonald. He's a social media influencer. Of his seven

1059
00:56:12,600 --> 00:56:16,759
Speaker 1: hundred thousand plus social media followers are female. More importantly,

1060
00:56:16,960 --> 00:56:20,520
Speaker 1: Rashan McDonald will use his business and celebrity relationships to

1061
00:56:20,560 --> 00:56:24,200
Speaker 1: empower small businesses with information to succeed. Hi, this is

1062
00:56:24,280 --> 00:56:27,600
Speaker 1: Rushan McDonald, the host of Money Making Conversation. You say

1063
00:56:27,640 --> 00:56:30,880
Speaker 1: to yourself, who calls Rushan shell, please walk on the

1064
00:56:30,920 --> 00:56:34,600
Speaker 1: money Making Conversations. La La Anthony, we met you know

1065
00:56:34,760 --> 00:56:40,200
Speaker 1: used always Roshan, can you give so you always talk

1066
00:56:40,280 --> 00:56:43,400
Speaker 1: to you about everything? Everything and looking at you and

1067
00:56:43,480 --> 00:56:46,000
Speaker 1: Steve Harvey. You know that motivated me too because I

1068
00:56:46,040 --> 00:56:48,359
Speaker 1: would see all the amazing things you guys are doing.

1069
00:56:48,400 --> 00:56:51,520
Speaker 1: It that just being on the radio like at that

1070
00:56:51,640 --> 00:56:54,280
Speaker 1: time and even now. You know people want to put

1071
00:56:54,360 --> 00:56:56,800
Speaker 1: people in boxes. You need to check out the wireless

1072
00:56:56,800 --> 00:57:00,120
Speaker 1: earbuds from recon Racon Earbuds start off about how the

1073
00:57:00,120 --> 00:57:02,400
Speaker 1: price of any other premium wireless earbuds on the market,

1074
00:57:02,560 --> 00:57:05,000
Speaker 1: and they sound just as amazing. Unlike some of your

1075
00:57:05,000 --> 00:57:07,640
Speaker 1: other wireless options, Recon earbuds are both stylish and discreet,

1076
00:57:07,719 --> 00:57:09,960
Speaker 1: with no dangling wires or stems. And of course they

1077
00:57:09,960 --> 00:57:12,439
Speaker 1: don't just look great, they sound great too, and they're

1078
00:57:12,440 --> 00:57:15,240
Speaker 1: perfect for listening to all your favorite I heart radio

1079
00:57:15,360 --> 00:57:18,600
Speaker 1: podcasts on the go. So go to buy Recon dot

1080
00:57:18,640 --> 00:57:21,240
Speaker 1: com slash I Heart to get off your order. That's

1081
00:57:21,280 --> 00:57:24,960
Speaker 1: by Recon dot com slash I Heart for off Recon

1082
00:57:25,040 --> 00:57:27,280
Speaker 1: wireless earbuds. If you've been eyeing a pair, now is

1083
00:57:27,280 --> 00:57:29,400
Speaker 1: the time to get an amazing deal one more time

1084
00:57:29,600 --> 00:57:31,880
Speaker 1: by Recon dot Com Slash I Heart