1
00:00:00,640 --> 00:00:03,320
Speaker 1: Welcome you all to another episode of Eating While Broke.

2
00:00:03,440 --> 00:00:05,760
Speaker 1: I'm your host, Colleen Witt, and today we have earned

3
00:00:05,800 --> 00:00:09,440
Speaker 1: your Leisure in the building. I'm super super excited about this.

4
00:00:09,920 --> 00:00:12,520
Speaker 1: When you get a financial advisor, a shot belal and

5
00:00:12,680 --> 00:00:17,200
Speaker 1: educated Troy Millings together they deliver assets of reliabilities no

6
00:00:17,360 --> 00:00:19,880
Speaker 1: pun intended. Of course, when it comes to behind the

7
00:00:19,920 --> 00:00:23,400
Speaker 1: scenes financial views and entertainment, sports and entrepreneurship, you need

8
00:00:23,480 --> 00:00:27,320
Speaker 1: to look no further than earn your leisure, events, podcast

9
00:00:27,680 --> 00:00:31,800
Speaker 1: and university. Welcome y'all. We are super excited to have

10
00:00:31,880 --> 00:00:39,000
Speaker 1: you all today. Okay, so today on this this episode,

11
00:00:39,000 --> 00:00:43,400
Speaker 1: we have two dishes. So at the end of this episode,

12
00:00:43,479 --> 00:00:47,160
Speaker 1: I'm going to see which one did it better. Troy,

13
00:00:47,200 --> 00:00:49,480
Speaker 1: why don't you start us off and tell us what

14
00:00:49,560 --> 00:00:52,640
Speaker 1: you're making and the ingredients. Yeah, so today I'm gonna

15
00:00:52,640 --> 00:00:54,560
Speaker 1: be making a pizza bagel, not to be confused with

16
00:00:54,560 --> 00:00:57,320
Speaker 1: piece of toast, a little bit thinner on the bread. Um.

17
00:00:57,360 --> 00:00:59,400
Speaker 1: And so yeah, I got my bagel here. I have

18
00:00:59,800 --> 00:01:02,360
Speaker 1: some tomato sauce obviously we have to have that, some

19
00:01:02,440 --> 00:01:05,480
Speaker 1: anzarella cheese, and to add some slavor, we've got a regino,

20
00:01:05,720 --> 00:01:07,479
Speaker 1: some basil, and of course a little pinch of golty

21
00:01:08,200 --> 00:01:13,000
Speaker 1: that sounds like it's gonna be really really nice on flavoring,

22
00:01:13,080 --> 00:01:18,440
Speaker 1: it feels like borderline professional pizza restaurant issues. We take

23
00:01:18,440 --> 00:01:22,360
Speaker 1: our pizza bagel serious and rest out. What about you?

24
00:01:22,959 --> 00:01:27,839
Speaker 1: Uh tuna sandwich? We got wheat bread, whole wheat bread, um,

25
00:01:27,880 --> 00:01:32,600
Speaker 1: tuna mayonnaise, catch up and chips and chips? Okay, okay,

26
00:01:32,760 --> 00:01:35,200
Speaker 1: So you know it's an interesting combination. I can explain

27
00:01:35,200 --> 00:01:36,880
Speaker 1: it if you want, or we can explain it later.

28
00:01:37,000 --> 00:01:39,679
Speaker 1: But how this all came about It up to you,

29
00:01:39,760 --> 00:01:42,560
Speaker 1: however you want to. Yeah, well, if you want, we'll

30
00:01:42,600 --> 00:01:45,759
Speaker 1: have Troy start us off with making the pizza. And

31
00:01:45,800 --> 00:01:50,360
Speaker 1: then while he's starting off making the pizza, I guess

32
00:01:50,440 --> 00:01:54,640
Speaker 1: I just have to ask you when did catch up

33
00:01:54,680 --> 00:01:57,280
Speaker 1: and tun to make a marriage? Yeah? Well, you know,

34
00:01:57,360 --> 00:01:58,720
Speaker 1: catch up is one of these things. But I use

35
00:01:58,800 --> 00:02:01,760
Speaker 1: whateverything like you know, and it's perfect blad. Like when

36
00:02:01,800 --> 00:02:04,280
Speaker 1: I eat fish, I usually put catch up fried fish,

37
00:02:04,320 --> 00:02:09,280
Speaker 1: catch up in hot sauce. You know, if I'm doing this,

38
00:02:09,520 --> 00:02:11,600
Speaker 1: I'll do this as well. The other things I do

39
00:02:11,639 --> 00:02:14,600
Speaker 1: with fish sometimes is catch up in tattar sauce, but

40
00:02:14,760 --> 00:02:19,240
Speaker 1: catch up in mayonnaise is actually French dressing. No, it's

41
00:02:19,240 --> 00:02:25,200
Speaker 1: French dressing. Yeah, I think it's French's umland, I think

42
00:02:25,200 --> 00:02:30,720
Speaker 1: it's French. No, I'm not even want to go. I

43
00:02:30,840 --> 00:02:33,240
Speaker 1: know I know it because I actually did good will it.

44
00:02:34,120 --> 00:02:38,240
Speaker 1: I think it's Thousand Islands. Okay, you know what, Well,

45
00:02:38,760 --> 00:02:41,880
Speaker 1: he puts it in the oven. Will google whether it's

46
00:02:42,400 --> 00:02:45,720
Speaker 1: French or Thousand Islands. But it makes it already makes something.

47
00:02:45,800 --> 00:02:50,040
Speaker 1: It's already something. So when you it's actually a good combination.

48
00:02:50,160 --> 00:02:54,040
Speaker 1: And then it's not the normal taste that you would

49
00:02:54,040 --> 00:02:56,400
Speaker 1: have for tuner, so it kind of gives it a little,

50
00:02:56,480 --> 00:02:59,560
Speaker 1: you know, special edge to it. And then the chips

51
00:02:59,639 --> 00:03:01,400
Speaker 1: just add like that, you know, just push it over

52
00:03:01,440 --> 00:03:07,519
Speaker 1: the top. Oh okay, all right, well Troy, why don't

53
00:03:07,560 --> 00:03:09,320
Speaker 1: you go ahead and start us off on the pizza.

54
00:03:09,639 --> 00:03:13,080
Speaker 1: Pizza bagel, pizza bagel. So the bagel is important, um

55
00:03:13,120 --> 00:03:15,639
Speaker 1: And because when I was younger, my mom used to

56
00:03:15,639 --> 00:03:18,360
Speaker 1: make pizza all the time, and so she had dope

57
00:03:18,560 --> 00:03:20,760
Speaker 1: and when I was home by myself, sometimes I'm like,

58
00:03:20,800 --> 00:03:22,679
Speaker 1: I want to make pizza. So I had to find

59
00:03:22,720 --> 00:03:25,520
Speaker 1: anything I could use as my as my bread. And

60
00:03:25,560 --> 00:03:28,840
Speaker 1: so the week the white bread was too too salt

61
00:03:28,919 --> 00:03:30,480
Speaker 1: for the tomato sauce, so that didn't work. And then

62
00:03:30,880 --> 00:03:33,239
Speaker 1: try to use English muffins and they were too small.

63
00:03:33,280 --> 00:03:35,720
Speaker 1: I was hungry after so I said, I'm gonna go

64
00:03:35,720 --> 00:03:37,880
Speaker 1: with the bagel. And so we started with the bagel.

65
00:03:37,960 --> 00:03:41,800
Speaker 1: Obviously you got slices. It's been sliced nicely. Uh. And

66
00:03:41,840 --> 00:03:43,200
Speaker 1: then the first thing we're gonna put on top of

67
00:03:43,200 --> 00:03:45,520
Speaker 1: it is the tomato sauce. And so we got the

68
00:03:45,520 --> 00:03:48,600
Speaker 1: tomato sauce. Here, we got our spoon. And the spoon

69
00:03:48,960 --> 00:03:51,160
Speaker 1: is important because you want to spread this tomato seals

70
00:03:51,240 --> 00:03:53,400
Speaker 1: out evenly, all right, So I take a scoop or

71
00:03:53,400 --> 00:03:56,400
Speaker 1: the tomato sauce, put it on the bread, all right.

72
00:03:57,560 --> 00:04:00,640
Speaker 1: Not at no point did you ever say, you know

73
00:04:00,680 --> 00:04:02,960
Speaker 1: what today, I want to have it on everything bagel?

74
00:04:03,080 --> 00:04:05,240
Speaker 1: Or was it always playing? You know, I never tried it,

75
00:04:05,640 --> 00:04:07,960
Speaker 1: always playing, always playing, right. I was trying to make

76
00:04:07,960 --> 00:04:11,400
Speaker 1: it as close to my mom's pizza as possible, and

77
00:04:11,600 --> 00:04:14,680
Speaker 1: the only bagel she boughtt was playing or cinnamon raising,

78
00:04:15,480 --> 00:04:17,600
Speaker 1: So cinnamon raising pizza probably would have been great. You

79
00:04:17,680 --> 00:04:20,640
Speaker 1: never tried to never, we don't. We don't put raisins

80
00:04:20,880 --> 00:04:23,839
Speaker 1: and things in the Jamaican household. Well, and that's the

81
00:04:23,839 --> 00:04:26,320
Speaker 1: other thing. I'm a little confused because you're Jamaican, and

82
00:04:26,600 --> 00:04:29,800
Speaker 1: I don't think I've ever seen my mom make a pizza. Yeah,

83
00:04:29,839 --> 00:04:32,520
Speaker 1: this is true. This is true. I've never seen my

84
00:04:32,600 --> 00:04:35,240
Speaker 1: mom makeup pizza. So she was great at making peace.

85
00:04:35,520 --> 00:04:37,160
Speaker 1: I mean, my mom is a great like she makes

86
00:04:37,200 --> 00:04:39,320
Speaker 1: a lot of things. Um, pizza was one of those

87
00:04:39,320 --> 00:04:41,560
Speaker 1: things like my friends would come over and eat it. It

88
00:04:41,480 --> 00:04:44,400
Speaker 1: It was so good. And so I was like, all right,

89
00:04:44,520 --> 00:04:46,480
Speaker 1: if I can't have hers, I'll have to make my own.

90
00:04:46,480 --> 00:04:49,279
Speaker 1: And so I didn't have dough, So I used the bagel,

91
00:04:49,320 --> 00:04:51,120
Speaker 1: like I said. And so you see how we we've

92
00:04:51,160 --> 00:04:53,360
Speaker 1: evenly spread this out. You see how good this looks?

93
00:04:53,839 --> 00:04:56,760
Speaker 1: All right, So now it looks like a bloody bagel exactly.

94
00:04:56,800 --> 00:04:59,400
Speaker 1: And so this is important. Now now that we've got

95
00:04:59,440 --> 00:05:02,800
Speaker 1: the maato sauce consistently spread throughout, now we're gonna add

96
00:05:02,920 --> 00:05:05,920
Speaker 1: some some flavor. We're gonna put a little of regano, right,

97
00:05:06,000 --> 00:05:08,520
Speaker 1: just a pinch of it, just a little bit above

98
00:05:08,560 --> 00:05:10,040
Speaker 1: the tomato sauce. Because you know, I'm gonna show you

99
00:05:10,080 --> 00:05:11,080
Speaker 1: what I'm gon show you on a sex So we

100
00:05:11,120 --> 00:05:14,440
Speaker 1: put a little bit here, a little bit there, right,

101
00:05:14,480 --> 00:05:16,720
Speaker 1: we don't want to flood it out the flavor of

102
00:05:16,760 --> 00:05:20,599
Speaker 1: the tomato sauce. A little basil sprinkle that I should

103
00:05:20,600 --> 00:05:23,400
Speaker 1: do it like salt Bay. Just drop it right here

104
00:05:23,480 --> 00:05:29,080
Speaker 1: we go. I mean, this looks restaurant, okay. And then

105
00:05:29,279 --> 00:05:32,920
Speaker 1: I'm gonna get another fresh spoon for my garlic. A

106
00:05:33,000 --> 00:05:34,920
Speaker 1: lot of people put garlic on top of the pizza

107
00:05:34,960 --> 00:05:37,200
Speaker 1: after I like to throw it inside the sauce so

108
00:05:37,320 --> 00:05:38,920
Speaker 1: to add a little bit of flavor, so you don't

109
00:05:38,920 --> 00:05:40,760
Speaker 1: really need it, all right, So you're a little pinch. Yeah,

110
00:05:42,400 --> 00:05:44,440
Speaker 1: this is fresh garlic. We're gonna spread this out. Yeah,

111
00:05:44,440 --> 00:05:47,000
Speaker 1: this is fresh. This is fresh, This is fresh. It

112
00:05:47,040 --> 00:05:49,680
Speaker 1: smells good. This smells good already. But you said you

113
00:05:49,760 --> 00:05:52,440
Speaker 1: usually mix it in the sauce. Yeah, well I'm gonna

114
00:05:52,480 --> 00:05:57,040
Speaker 1: do it now, uh time purposes. So it's gonna get

115
00:05:57,040 --> 00:05:59,920
Speaker 1: smudged in all in here right now. Imagine doing this

116
00:06:00,120 --> 00:06:01,880
Speaker 1: like on English muffin, like I couldn't do this on

117
00:06:01,960 --> 00:06:04,800
Speaker 1: white red won't work, you know what I'm saying. So

118
00:06:07,400 --> 00:06:12,000
Speaker 1: I'm hungry. So now we got our our sauces, we

119
00:06:12,040 --> 00:06:15,200
Speaker 1: got our flavor, and now, like I said, shredded cheese

120
00:06:15,240 --> 00:06:17,080
Speaker 1: is important. When I was growing up, that was my

121
00:06:17,200 --> 00:06:19,159
Speaker 1: job in the house. My mom was like, if she

122
00:06:19,240 --> 00:06:21,720
Speaker 1: was making macaroni and cheese, Troy shread the cheese. She's

123
00:06:21,720 --> 00:06:24,320
Speaker 1: making pizza, Troy shread the cheese. And now my wife

124
00:06:24,480 --> 00:06:27,840
Speaker 1: same thing. Anytime she's making something ZD lasagna. My job

125
00:06:27,960 --> 00:06:30,560
Speaker 1: is to shread the cheese. And so I kind of

126
00:06:30,560 --> 00:06:33,480
Speaker 1: like the bagel part because when you throw, you splash

127
00:06:33,520 --> 00:06:36,440
Speaker 1: the cheese on. It's important that it goes all over

128
00:06:36,480 --> 00:06:38,479
Speaker 1: the bagel, right, you gotta spread it all over. But

129
00:06:38,560 --> 00:06:40,280
Speaker 1: when it starts to go on the toast of oven,

130
00:06:40,320 --> 00:06:42,800
Speaker 1: that cheese melts and it goes inside of you know,

131
00:06:42,839 --> 00:06:45,680
Speaker 1: the holding bagel. And so now as even more of

132
00:06:45,720 --> 00:06:49,760
Speaker 1: a cristals, follow the whole circle the circle. Follow the circle,

133
00:06:49,880 --> 00:06:53,400
Speaker 1: follow the circle, follow the circle, let it drip, and

134
00:06:53,600 --> 00:06:56,800
Speaker 1: when it melts, the cheese will be inside of the

135
00:06:56,839 --> 00:06:59,000
Speaker 1: hole in the bagel. And now it asks for a

136
00:06:59,040 --> 00:07:03,000
Speaker 1: crisp taste to it. I love it. Ye, prepare a

137
00:07:03,040 --> 00:07:07,159
Speaker 1: couple of one. Okay, yeah, while you prepare that. Okay,

138
00:07:07,960 --> 00:07:14,720
Speaker 1: So now we're sad yes, yes, yes, challenger to yes

139
00:07:14,760 --> 00:07:17,400
Speaker 1: seris key sorry said We're gonna start with the bread

140
00:07:18,000 --> 00:07:21,720
Speaker 1: we're gonna put the bread and the toaster. It's really easy.

141
00:07:21,960 --> 00:07:26,400
Speaker 1: He literally just placed it in put it down. I

142
00:07:26,480 --> 00:07:28,440
Speaker 1: usually put it like halfway through, so it's like the

143
00:07:28,520 --> 00:07:30,840
Speaker 1: highest is seven, So I got it on four. Because

144
00:07:30,840 --> 00:07:32,680
Speaker 1: you don't want it to be burnt, well, you don't

145
00:07:32,680 --> 00:07:34,800
Speaker 1: want it to be too light either, so you just

146
00:07:34,840 --> 00:07:37,640
Speaker 1: gotta wait for the magic to happen. Patience is a

147
00:07:37,720 --> 00:07:41,040
Speaker 1: virtual So when I make tuna sandwiches, I mix the

148
00:07:41,120 --> 00:07:45,920
Speaker 1: mail with the tuna. I see on this sandwich. How

149
00:07:45,920 --> 00:07:48,000
Speaker 1: are you going to I'm just gonna put it on,

150
00:07:48,080 --> 00:07:50,200
Speaker 1: you know, especially at that time. You know I wasn't

151
00:07:50,240 --> 00:07:52,480
Speaker 1: really that's probably a proper way to do it, but

152
00:07:52,640 --> 00:07:54,680
Speaker 1: you know, it's just scrambling, so I don't really have

153
00:07:54,760 --> 00:07:56,960
Speaker 1: time to like chef for our ideas, So I just

154
00:07:56,960 --> 00:07:59,640
Speaker 1: put it on top. I put it on top and

155
00:08:00,600 --> 00:08:04,240
Speaker 1: just rock out like a sauce. Okay, so this is

156
00:08:04,280 --> 00:08:10,440
Speaker 1: definitely gonna be different. Yeah yeah, when oh man, it's

157
00:08:10,440 --> 00:08:12,600
Speaker 1: been a minute, I eat tuna. I still eat tuna

158
00:08:13,240 --> 00:08:16,720
Speaker 1: um from time to time, but like me actually making

159
00:08:16,760 --> 00:08:19,679
Speaker 1: it like this probably making like a couple of times

160
00:08:19,680 --> 00:08:21,560
Speaker 1: a year, to be honest, Like you know, when I'm

161
00:08:21,600 --> 00:08:24,280
Speaker 1: just feel nostalgic when I'm at home and I don't

162
00:08:24,320 --> 00:08:27,120
Speaker 1: have nothing else to eat. Um, but I don't eat

163
00:08:27,120 --> 00:08:29,960
Speaker 1: it that often how I used to. So seeing this

164
00:08:30,040 --> 00:08:33,280
Speaker 1: is considered your broke this what was going on at

165
00:08:33,280 --> 00:08:36,360
Speaker 1: the time when you were meeting this for more than

166
00:08:37,160 --> 00:08:41,440
Speaker 1: nostalgic and once in a while. Um, I was in college,

167
00:08:42,120 --> 00:08:44,120
Speaker 1: so I used to go to University of Hawaii and

168
00:08:45,200 --> 00:08:47,400
Speaker 1: I played basketball, so I was on a scholarship. But

169
00:08:47,480 --> 00:08:52,280
Speaker 1: how the scholarship worked is that instead of like being

170
00:08:52,320 --> 00:08:54,840
Speaker 1: on a meal plan, I opted to just get the

171
00:08:54,880 --> 00:08:58,000
Speaker 1: money for the meal plan. So that was like probably

172
00:08:58,000 --> 00:09:04,800
Speaker 1: like two thousand mester and so long story short, I

173
00:09:04,800 --> 00:09:08,480
Speaker 1: had to I had to use that to food. That's

174
00:09:08,520 --> 00:09:11,080
Speaker 1: my mail planning with of course, you know you're in college,

175
00:09:11,080 --> 00:09:13,600
Speaker 1: so you're using that for more than just food, using

176
00:09:13,640 --> 00:09:15,400
Speaker 1: that to go to the club, using that to you know,

177
00:09:15,559 --> 00:09:19,360
Speaker 1: just do whatever you wanted to do so by by clothes.

178
00:09:20,000 --> 00:09:23,599
Speaker 1: So I probably had probably like five hundred out of

179
00:09:23,640 --> 00:09:27,760
Speaker 1: that to spend on food. And I never cooked. I

180
00:09:27,840 --> 00:09:29,960
Speaker 1: was never you know, somebody that grew up cooking my

181
00:09:29,960 --> 00:09:32,959
Speaker 1: ool life. So I'm living by myself in an apartment

182
00:09:33,760 --> 00:09:36,880
Speaker 1: in Hawaii, so you weren't even living on campus. Nah

183
00:09:37,000 --> 00:09:41,679
Speaker 1: had apartment, so I had an off campus apartment so

184
00:09:40,640 --> 00:09:44,400
Speaker 1: U so yeah, so you know, it's like out of necessity.

185
00:09:44,440 --> 00:09:47,240
Speaker 1: I felt like tuna fish and peanut butter and jelly.

186
00:09:47,240 --> 00:09:49,360
Speaker 1: It was like the two easiest meals to make. You

187
00:09:49,400 --> 00:09:51,360
Speaker 1: don't have to have a culinary degree to make that.

188
00:09:51,720 --> 00:09:55,040
Speaker 1: So um, I just made it. And then every single

189
00:09:55,120 --> 00:09:58,040
Speaker 1: day for lunch, literally for a year, UM I would

190
00:09:58,120 --> 00:10:02,400
Speaker 1: make I would make two. That was my lunch every day. Wow, okay,

191
00:10:02,679 --> 00:10:07,560
Speaker 1: now you say Hawaii. Yeah. So I'm sure people hit

192
00:10:07,600 --> 00:10:10,720
Speaker 1: you with this all the time. You already know what

193
00:10:10,760 --> 00:10:14,439
Speaker 1: I'm gonna I'm gonna mention Barack somewhere. I wasn't going there,

194
00:10:14,480 --> 00:10:20,720
Speaker 1: but okay, um shout shout outs to Barack uh and

195
00:10:20,760 --> 00:10:22,720
Speaker 1: you guys actually didn't did you guys do something away?

196
00:10:25,400 --> 00:10:29,439
Speaker 1: Not yet, that's the answer. That's the answer. Actually, I

197
00:10:29,559 --> 00:10:31,719
Speaker 1: tell you a story about that. You could say it

198
00:10:31,800 --> 00:10:39,040
Speaker 1: right here on say it here please? All right? So

199
00:10:39,559 --> 00:10:41,480
Speaker 1: am I going to be making this? Go ahead, make

200
00:10:41,520 --> 00:10:43,599
Speaker 1: it so you got you got the actually putting the

201
00:10:43,679 --> 00:10:46,679
Speaker 1: tuna fish on the bread very important part to make

202
00:10:46,679 --> 00:10:50,000
Speaker 1: a sandwich. U. I probably should have did this the

203
00:10:50,000 --> 00:10:56,000
Speaker 1: other way on this bread, be kind to you. So

204
00:10:56,080 --> 00:10:57,640
Speaker 1: we're putting the tune, and like I said, this this

205
00:10:57,679 --> 00:10:58,920
Speaker 1: is one of these things you literally can make in

206
00:10:58,960 --> 00:11:00,760
Speaker 1: five minutes. That's another reason of while I was making it,

207
00:11:00,800 --> 00:11:03,199
Speaker 1: because you know, being a college student, you don't have

208
00:11:03,240 --> 00:11:06,199
Speaker 1: a lot of time you want to go. So it's

209
00:11:06,240 --> 00:11:08,480
Speaker 1: something that you can actually make it in five minutes.

210
00:11:08,480 --> 00:11:10,120
Speaker 1: Like he's making a whole going made dish. I ain't

211
00:11:10,120 --> 00:11:13,400
Speaker 1: have time. I mean he's making I feel like the

212
00:11:13,440 --> 00:11:15,400
Speaker 1: crew is gonna be upset. They don't get to ease

213
00:11:15,480 --> 00:11:18,040
Speaker 1: of that enough for everybody. You know, we put we

214
00:11:18,080 --> 00:11:23,559
Speaker 1: put the mayonnaise, put the mayonnaise on. You know, oh

215
00:11:23,640 --> 00:11:25,360
Speaker 1: you put a lot. Okay, cool, he put a lot.

216
00:11:25,400 --> 00:11:28,240
Speaker 1: Everybody that's listening to catch up on catch up in

217
00:11:28,280 --> 00:11:32,600
Speaker 1: Mayonnai's French dressing. We just learned. Oh yeah, we did

218
00:11:32,640 --> 00:11:36,200
Speaker 1: google everybody that this is bringing back memories actually and

219
00:11:36,240 --> 00:11:38,840
Speaker 1: then um, you would say the chips. I didn't do

220
00:11:38,880 --> 00:11:41,319
Speaker 1: this all the time, but this was something that you know,

221
00:11:41,600 --> 00:11:46,560
Speaker 1: when I was like really really feeling survived this spoil yourself. Yeah,

222
00:11:46,840 --> 00:11:48,520
Speaker 1: it was like today I'm gonna live a little larger

223
00:11:48,520 --> 00:11:51,679
Speaker 1: and get those chips on. Little you put the chips

224
00:11:51,880 --> 00:11:54,400
Speaker 1: over there, add a little crunch to it. Add the

225
00:11:54,440 --> 00:11:59,360
Speaker 1: crunch children, and this is just like slice out of heaven. Okay,

226
00:12:00,200 --> 00:12:03,200
Speaker 1: snice out of it? And yeah, deadly. I did this

227
00:12:03,240 --> 00:12:09,760
Speaker 1: every day for one year. So does it seems to

228
00:12:09,800 --> 00:12:14,600
Speaker 1: me that you were always financially conscious because you knew

229
00:12:14,640 --> 00:12:16,960
Speaker 1: to maximize the dollars. It wasn't really done out of

230
00:12:17,000 --> 00:12:20,040
Speaker 1: out of financial literacy. It was just done out of

231
00:12:20,760 --> 00:12:24,360
Speaker 1: I can't cook and I like tuna fish. I always

232
00:12:24,400 --> 00:12:26,640
Speaker 1: liked tuna fish. And it was just an easy mail

233
00:12:26,760 --> 00:12:29,040
Speaker 1: to make. So I like, you took the food credit

234
00:12:29,280 --> 00:12:33,040
Speaker 1: money instead of the food credit, right, yeah, So why

235
00:12:33,040 --> 00:12:34,880
Speaker 1: did you do? Well? You know, it's it's school food,

236
00:12:35,280 --> 00:12:37,200
Speaker 1: so I thought like they got the best food anyway.

237
00:12:37,720 --> 00:12:41,319
Speaker 1: And I mean, would you take a few nineteen years old,

238
00:12:41,320 --> 00:12:43,360
Speaker 1: somebody give you three thousand for semester? Would you take

239
00:12:43,360 --> 00:12:46,800
Speaker 1: that or would you take going to the dining room?

240
00:12:46,920 --> 00:12:48,959
Speaker 1: I would take the money exactly. So it's like, what

241
00:12:49,000 --> 00:12:51,040
Speaker 1: did you do with the money? Though? That was my

242
00:12:51,480 --> 00:12:53,320
Speaker 1: I was living on you know, So like I said,

243
00:12:53,320 --> 00:12:56,160
Speaker 1: you know, you maximized it. Yeah, whatever we need turned

244
00:12:56,200 --> 00:12:58,199
Speaker 1: into an acid. Whatever I needed to do. That was

245
00:12:58,240 --> 00:13:01,679
Speaker 1: like my that was like my salary. Okay, okay, well

246
00:13:01,840 --> 00:13:04,240
Speaker 1: you can't really work. Yeah yeah, I ain't work. So yeah,

247
00:13:04,240 --> 00:13:05,800
Speaker 1: that's what I'm saying. That was my salary that I

248
00:13:05,840 --> 00:13:07,199
Speaker 1: was met with money that you know, we just had

249
00:13:07,240 --> 00:13:10,840
Speaker 1: just to kind of do what that we wanted to. Okay, okay,

250
00:13:11,160 --> 00:13:15,680
Speaker 1: now you're gonna pop those beautiful things and then you

251
00:13:15,760 --> 00:13:19,079
Speaker 1: can go ahead and finished cheffing it up. Very important

252
00:13:19,080 --> 00:13:22,960
Speaker 1: that the oven is preheated. So we got to hear

253
00:13:22,960 --> 00:13:25,599
Speaker 1: at three fifty. But oh I got my mentens. That

254
00:13:25,640 --> 00:13:29,640
Speaker 1: didn't prompt me, but I saw him here. I learned

255
00:13:29,640 --> 00:13:31,680
Speaker 1: this at home at class. So I hated school lunch.

256
00:13:31,760 --> 00:13:33,079
Speaker 1: I think we both had that in common. I don't

257
00:13:33,080 --> 00:13:35,120
Speaker 1: think we ever eat school lunch. And so I took

258
00:13:35,120 --> 00:13:37,320
Speaker 1: every cooking class in high school that I could, so

259
00:13:37,400 --> 00:13:39,920
Speaker 1: that that would be my lunch all for the day.

260
00:13:40,240 --> 00:13:42,280
Speaker 1: And so this is you got to eat every time.

261
00:13:43,480 --> 00:13:50,280
Speaker 1: Yeah yeah, yeah slick. So growing up, you said there

262
00:13:50,320 --> 00:13:52,760
Speaker 1: was a lot of pizza in your house. I mean,

263
00:13:52,760 --> 00:13:54,520
Speaker 1: it's one of the things, at one of the things.

264
00:13:55,080 --> 00:13:58,240
Speaker 1: So take me back to the time where you're sitting there,

265
00:13:58,320 --> 00:14:01,760
Speaker 1: like Mom's not home, what's going on? You're making these

266
00:14:01,880 --> 00:14:04,960
Speaker 1: pizza bagels what's going on in that environment. Yeah, so

267
00:14:05,120 --> 00:14:06,680
Speaker 1: you know, my brothers are much older than you know.

268
00:14:06,920 --> 00:14:08,800
Speaker 1: My oldest brother is ten years old of me. My

269
00:14:08,840 --> 00:14:10,319
Speaker 1: other brother was in high school while I was in

270
00:14:10,360 --> 00:14:12,199
Speaker 1: middle school, and he was a middle school when I

271
00:14:12,200 --> 00:14:14,199
Speaker 1: was in elementary school. So I was came home for everybody.

272
00:14:14,240 --> 00:14:17,000
Speaker 1: My parents are working, and so I was just one

273
00:14:17,040 --> 00:14:19,440
Speaker 1: of those things. I'm like, I'm hungry. I hate Like

274
00:14:19,440 --> 00:14:21,280
Speaker 1: I said, I hated school lunch my entire life. So

275
00:14:21,320 --> 00:14:23,400
Speaker 1: in ementary school, I'm not eating school lunch. I'm the

276
00:14:23,480 --> 00:14:25,480
Speaker 1: kid that's like my parents gave me money for lunch,

277
00:14:25,640 --> 00:14:27,760
Speaker 1: I'm putting that in my pocket. Or I'm buying your

278
00:14:27,800 --> 00:14:30,000
Speaker 1: dipsy duels off you for fifty cents, and they gave

279
00:14:30,000 --> 00:14:32,080
Speaker 1: me three dollars every day. So I'm like, all right,

280
00:14:32,120 --> 00:14:36,560
Speaker 1: I bought those. I'm surprised your mom wasn't making your lunches. No, no, no,

281
00:14:37,280 --> 00:14:39,160
Speaker 1: they was. They was working. They were out there, actually

282
00:14:39,240 --> 00:14:41,680
Speaker 1: left the house before I did. Yeah, So I was

283
00:14:41,760 --> 00:14:43,560
Speaker 1: like younger, but like I was walking to the bus stop,

284
00:14:43,600 --> 00:14:45,360
Speaker 1: I was coming home for everybody. And so I was like,

285
00:14:45,720 --> 00:14:47,920
Speaker 1: all right, well I'm hungry. What am I gonna make?

286
00:14:48,080 --> 00:14:50,560
Speaker 1: There's no food that I didn't trust me warm stuff

287
00:14:50,600 --> 00:14:53,320
Speaker 1: up in the stove. Um, so many times you could,

288
00:14:53,320 --> 00:14:56,040
Speaker 1: you know, eat like toasts when he came home with chips.

289
00:14:56,040 --> 00:14:57,920
Speaker 1: So I was like, all right, I know how to

290
00:14:57,920 --> 00:14:59,440
Speaker 1: make this. I know we got tomato sauce, I know

291
00:14:59,440 --> 00:15:01,720
Speaker 1: how the great at the She's all right, let's just

292
00:15:01,760 --> 00:15:03,360
Speaker 1: throw it on on some bread and make it happen.

293
00:15:03,400 --> 00:15:05,320
Speaker 1: And so as I got better with it, I started

294
00:15:05,720 --> 00:15:08,040
Speaker 1: going into spice cabinet like what can we put on it?

295
00:15:08,120 --> 00:15:10,360
Speaker 1: Like yeah, and so like that's why I started putting

296
00:15:10,360 --> 00:15:12,880
Speaker 1: the right no, no no basil, putting garlic. I used to

297
00:15:12,880 --> 00:15:15,520
Speaker 1: put the red pepper flakes on it because I was

298
00:15:15,560 --> 00:15:20,120
Speaker 1: just like, I'm just trying to figure it out. Because

299
00:15:20,160 --> 00:15:22,000
Speaker 1: I'm just like, all right, I'm hungry. You gotta make something.

300
00:15:22,400 --> 00:15:24,520
Speaker 1: And that became one of those things. And so I

301
00:15:24,560 --> 00:15:26,880
Speaker 1: started making that and then when she would come home,

302
00:15:26,960 --> 00:15:30,560
Speaker 1: she was like, I'm like, yeah, I ate already, I'm good. Yeah.

303
00:15:30,840 --> 00:15:36,080
Speaker 1: So now we have you guys. Years later, one decides

304
00:15:36,400 --> 00:15:46,320
Speaker 1: financial advisor, another decides educated, Yes you can, Um, how

305
00:15:46,360 --> 00:15:51,040
Speaker 1: does that develop Troy to go into a financial financial advisory? Right? Well,

306
00:15:51,400 --> 00:15:57,120
Speaker 1: I was into education. Yeah, So when I was fifteen, Um,

307
00:15:57,160 --> 00:15:59,840
Speaker 1: I got a job at a camp in our community center,

308
00:16:00,080 --> 00:16:02,440
Speaker 1: and so I've been working with kids pretty much since

309
00:16:02,480 --> 00:16:04,440
Speaker 1: I was fift team. It was something that just came

310
00:16:04,520 --> 00:16:06,880
Speaker 1: natural to me. And um I went to school. I

311
00:16:06,880 --> 00:16:09,720
Speaker 1: remember I told my dad I wanted to be I'm

312
00:16:09,760 --> 00:16:11,680
Speaker 1: a souf. I was like, my hands are great, I

313
00:16:11,720 --> 00:16:13,280
Speaker 1: got a good hand. My dad was like, I ain't

314
00:16:13,280 --> 00:16:14,520
Speaker 1: paying for you to go to school to being no

315
00:16:14,600 --> 00:16:17,000
Speaker 1: ma sus. So I was like, damn, that's not gonna work.

316
00:16:17,120 --> 00:16:18,920
Speaker 1: And so I wanted to go into physical therapy because

317
00:16:18,920 --> 00:16:21,120
Speaker 1: I also had a love for sports, like obsessive love

318
00:16:21,480 --> 00:16:24,320
Speaker 1: for sports. And so I knew I was gonna go

319
00:16:24,320 --> 00:16:26,440
Speaker 1: on the athletic scholarship, like I was kind of recreation

320
00:16:26,520 --> 00:16:29,000
Speaker 1: when it came to sports. Um, And so I went

321
00:16:29,040 --> 00:16:30,800
Speaker 1: to school. I was like, all right, I'm doing physical therapy.

322
00:16:30,840 --> 00:16:32,640
Speaker 1: But I started taking these science classes. I was like

323
00:16:32,640 --> 00:16:35,840
Speaker 1: what is this and um, I realized really quickly, like

324
00:16:35,920 --> 00:16:37,360
Speaker 1: this may not be the route for me. And I

325
00:16:37,360 --> 00:16:39,680
Speaker 1: had interned at when I was in high school as

326
00:16:39,720 --> 00:16:42,400
Speaker 1: a physical therapist intern for six months. I was like,

327
00:16:42,440 --> 00:16:45,560
Speaker 1: this is the most boring job. However, like I'm falling

328
00:16:45,560 --> 00:16:47,640
Speaker 1: asleep at my internship. I'm like, I can't do this.

329
00:16:48,280 --> 00:16:50,480
Speaker 1: So I was, you know, every party battle with that,

330
00:16:50,520 --> 00:16:51,960
Speaker 1: like what am I gonna do? I'm in college, now

331
00:16:51,960 --> 00:16:54,000
Speaker 1: what am I gonna do? And so I started thinking,

332
00:16:54,000 --> 00:16:56,160
Speaker 1: like I have a natural gift for working with kids.

333
00:16:56,920 --> 00:16:59,320
Speaker 1: I still love sports, and so I started teaching phys

334
00:16:59,360 --> 00:17:03,920
Speaker 1: that so yeah, because the two just came together. And

335
00:17:03,920 --> 00:17:07,480
Speaker 1: so I was teaching and health education UH in the

336
00:17:07,520 --> 00:17:11,040
Speaker 1: Bronx in New York City, and I would watch my

337
00:17:11,040 --> 00:17:13,480
Speaker 1: my colleagues, the English teacher, the matth teacher, sociay science,

338
00:17:13,520 --> 00:17:15,439
Speaker 1: and I'm just like, yeah, this stuff is cool, but

339
00:17:16,040 --> 00:17:19,760
Speaker 1: the kids weren't grasping it. They didn't weren't really interested. Obviously,

340
00:17:19,840 --> 00:17:21,639
Speaker 1: when you're not interested, you see behavior of the shoes.

341
00:17:22,320 --> 00:17:24,280
Speaker 1: So's like, they love coming to my class stuff. They

342
00:17:24,280 --> 00:17:26,280
Speaker 1: loved health because I was talking about the issues that

343
00:17:26,640 --> 00:17:29,119
Speaker 1: were they were facing. So I was like, look, we

344
00:17:29,160 --> 00:17:30,920
Speaker 1: need to teach them about things that they can learn about.

345
00:17:31,080 --> 00:17:33,440
Speaker 1: And so we had this opportunity to have this UH

346
00:17:33,560 --> 00:17:35,640
Speaker 1: internship program in the summer at the same community center

347
00:17:35,680 --> 00:17:37,679
Speaker 1: that was working at his fifteen and I was like,

348
00:17:37,800 --> 00:17:39,919
Speaker 1: we need to treat this six weeks of the summer

349
00:17:40,200 --> 00:17:41,960
Speaker 1: like the ten months of school that they didn't get.

350
00:17:42,119 --> 00:17:44,080
Speaker 1: So let's teach them everything that we can that they

351
00:17:44,080 --> 00:17:46,719
Speaker 1: didn't learn in school. One of those topics was financial literacy.

352
00:17:47,240 --> 00:17:49,240
Speaker 1: And so at the time when we started I started

353
00:17:49,240 --> 00:17:52,040
Speaker 1: the program, he was starting his financial advising career. I'm like,

354
00:17:52,080 --> 00:17:54,520
Speaker 1: I got this idea, we should teach financial literacy. Wants

355
00:17:54,520 --> 00:17:55,639
Speaker 1: you to be the face of it. You should come

356
00:17:55,640 --> 00:17:57,440
Speaker 1: in and teach. How do you guys meet them? We

357
00:17:57,480 --> 00:18:00,720
Speaker 1: went to new school again, we went to grew up. Yeah, yeah, yeah,

358
00:18:00,720 --> 00:18:04,800
Speaker 1: we're like best friends. Yeah. So I'm like, he's always like,

359
00:18:04,800 --> 00:18:06,040
Speaker 1: why should you go back to school? Why do you

360
00:18:06,040 --> 00:18:08,639
Speaker 1: go back to schools. I'm like, I like working with kids,

361
00:18:08,720 --> 00:18:11,320
Speaker 1: and he was like I'll do it. He was like

362
00:18:11,359 --> 00:18:13,080
Speaker 1: kind of reluctant to do it. Them, like, yeah, they

363
00:18:13,080 --> 00:18:14,480
Speaker 1: need to learn this, and like you could be the

364
00:18:14,480 --> 00:18:16,159
Speaker 1: face of it. Extens is you're you're starting this, And

365
00:18:16,200 --> 00:18:19,040
Speaker 1: so we started that um and they learned other things

366
00:18:19,040 --> 00:18:20,919
Speaker 1: like how to write a resume, how to interview, all

367
00:18:20,960 --> 00:18:25,040
Speaker 1: these like you who teaches you that? Nobody right, nobody exactly,

368
00:18:25,119 --> 00:18:27,000
Speaker 1: and so financial literacy, it was like this is essential

369
00:18:27,000 --> 00:18:28,800
Speaker 1: because we were going to pay them at the end

370
00:18:28,840 --> 00:18:30,840
Speaker 1: of the program. Like based on their performance into the

371
00:18:31,080 --> 00:18:33,359
Speaker 1: program when they went to their internships, how he performed

372
00:18:33,359 --> 00:18:35,520
Speaker 1: in the classroom, we pay the money, and so I

373
00:18:35,560 --> 00:18:37,400
Speaker 1: was like, we're gonna give them and pay the money

374
00:18:37,440 --> 00:18:40,160
Speaker 1: that they obviously earned. Let's teach them about the value

375
00:18:40,160 --> 00:18:41,919
Speaker 1: of money. Let's teach them how to save it, spend it,

376
00:18:42,000 --> 00:18:45,160
Speaker 1: share it, invested. Um. And so that's how it really started.

377
00:18:45,280 --> 00:18:47,320
Speaker 1: And we were teaching. I would write the lessons, he

378
00:18:47,320 --> 00:18:49,639
Speaker 1: would teach it, and then he started writing his own lessons,

379
00:18:49,680 --> 00:18:51,520
Speaker 1: and then I was learning from him. So he learned

380
00:18:51,560 --> 00:18:54,960
Speaker 1: how classroom management, lesson playing in I learned about finance

381
00:18:55,000 --> 00:18:56,560
Speaker 1: or something like. Now we're bouncing off from each other,

382
00:18:56,560 --> 00:18:58,359
Speaker 1: like I'm learning from him, he's learning from me, and

383
00:18:58,359 --> 00:19:01,560
Speaker 1: I'll respect the fields and kind of grew from there. Wow,

384
00:19:01,600 --> 00:19:08,200
Speaker 1: that's amazing. Why do you think financial literacy and I

385
00:19:08,200 --> 00:19:10,240
Speaker 1: I think I have an idea to the answer to

386
00:19:10,280 --> 00:19:13,320
Speaker 1: this question. But why do you think financial literacy still

387
00:19:13,359 --> 00:19:17,800
Speaker 1: isn't taught in schools? That's a great question. Um, you know,

388
00:19:18,040 --> 00:19:21,600
Speaker 1: it's kind of interesting right when we think about it.

389
00:19:21,880 --> 00:19:25,680
Speaker 1: We're all going to school to get a career that

390
00:19:25,720 --> 00:19:28,920
Speaker 1: does what pay us money? It's money, but nobody tells

391
00:19:28,960 --> 00:19:32,080
Speaker 1: us about the money. Um, and so I just had

392
00:19:32,320 --> 00:19:34,040
Speaker 1: when I sat down and thought about it, I'm like,

393
00:19:34,119 --> 00:19:38,800
Speaker 1: if I ever told you how to people responsible financially,

394
00:19:39,119 --> 00:19:40,800
Speaker 1: if I ever told you how to be an entrepreneur,

395
00:19:41,080 --> 00:19:44,800
Speaker 1: who would be my worker unemployee? Right right? Who would

396
00:19:44,840 --> 00:19:48,360
Speaker 1: be the employees? And so if we're thinking from the

397
00:19:48,440 --> 00:19:51,800
Speaker 1: economic standpoint, like I need certain people to be employees,

398
00:19:51,840 --> 00:19:54,919
Speaker 1: I need certain people to be managers, and and and

399
00:19:54,960 --> 00:19:56,800
Speaker 1: I need people to work. And so if I told

400
00:19:56,800 --> 00:19:59,520
Speaker 1: everybody to be an entrepreneur, who would be doing the work?

401
00:20:00,119 --> 00:20:03,639
Speaker 1: And so I always look at school system in the

402
00:20:03,680 --> 00:20:06,760
Speaker 1: Industrial Revolution in the same light, right, Like the Industrial

403
00:20:06,800 --> 00:20:09,679
Speaker 1: Revolution was to create jobs in the communities that they

404
00:20:09,720 --> 00:20:12,040
Speaker 1: were in. Right, everybody came in at the same time,

405
00:20:12,520 --> 00:20:15,080
Speaker 1: everybody left at the same time, everybody had lunch at

406
00:20:15,080 --> 00:20:17,399
Speaker 1: the same time, and there were bells to tell you

407
00:20:17,400 --> 00:20:20,639
Speaker 1: your shifts. And so if you think about school design,

408
00:20:20,680 --> 00:20:23,120
Speaker 1: pretty much the same way, you're walking at the same time,

409
00:20:23,320 --> 00:20:25,200
Speaker 1: you hear the bell, you go to your first period,

410
00:20:25,240 --> 00:20:27,960
Speaker 1: second period there, So it's the same system, right, the

411
00:20:28,000 --> 00:20:31,480
Speaker 1: Industrial Revolution was to create jobs. School is designed to

412
00:20:31,520 --> 00:20:36,040
Speaker 1: create workers. So I was thinking that the reason why,

413
00:20:36,240 --> 00:20:40,760
Speaker 1: and I hope your pizza toast isn't burning. Actually, can

414
00:20:40,800 --> 00:20:43,359
Speaker 1: I put it on, fellow logan? The cheese has to

415
00:20:43,400 --> 00:20:44,919
Speaker 1: have a little bit of brown in it, go for it.

416
00:20:46,200 --> 00:20:51,959
Speaker 1: So I felt that in in Rashan you could you

417
00:20:51,960 --> 00:20:54,439
Speaker 1: could stop me if you are, I'm curious to hear

418
00:20:54,480 --> 00:20:57,200
Speaker 1: your opinion on this. I always felt like the reason

419
00:20:57,240 --> 00:21:02,919
Speaker 1: why schools didn't teach financial literas see was because, yes, school,

420
00:21:02,920 --> 00:21:05,600
Speaker 1: the school system wants you to is really training you

421
00:21:05,680 --> 00:21:10,600
Speaker 1: to work for somebody. But I think that student loans

422
00:21:10,840 --> 00:21:13,280
Speaker 1: are the only things that can't be removed from credit

423
00:21:13,320 --> 00:21:15,840
Speaker 1: report or one of the only things. I think there's

424
00:21:15,840 --> 00:21:19,600
Speaker 1: two other things that you know that happened in and

425
00:21:19,680 --> 00:21:22,439
Speaker 1: so I feel like, to put kids through school and

426
00:21:22,440 --> 00:21:24,280
Speaker 1: then after school, what do you do? You sign them

427
00:21:24,359 --> 00:21:27,080
Speaker 1: up for student loans? Right, So, I feel like the

428
00:21:27,119 --> 00:21:31,040
Speaker 1: reason why financial literacy isn't taught in schools is because

429
00:21:31,560 --> 00:21:34,399
Speaker 1: right after they get out of school, they're kind of

430
00:21:34,520 --> 00:21:42,640
Speaker 1: exposed to, for lack of better word, I feel premeditated predatory.

431
00:21:42,840 --> 00:21:46,480
Speaker 1: I feel like it could potentially fall into premeditated predatory landing,

432
00:21:46,640 --> 00:21:48,119
Speaker 1: you know. I mean, I feel like there's a lot

433
00:21:48,119 --> 00:21:50,560
Speaker 1: of reasons why financial literacy is not to on school.

434
00:21:50,600 --> 00:21:53,400
Speaker 1: But if you look at like major institutions, they haven't

435
00:21:53,440 --> 00:21:55,800
Speaker 1: really pushed for financial literacy to be to on school.

436
00:21:55,800 --> 00:21:59,520
Speaker 1: And you know, people make money off of people's ignorance.

437
00:22:00,280 --> 00:22:02,359
Speaker 1: So it's like, as a credit card company, you wouldn't

438
00:22:02,359 --> 00:22:05,880
Speaker 1: necessarily want your people to be extremely educated on how

439
00:22:05,920 --> 00:22:08,919
Speaker 1: credit actually works because it's gonna hurt your business. Like

440
00:22:08,960 --> 00:22:11,960
Speaker 1: credit cards, actually, credit cards wouldn't make money every single

441
00:22:12,000 --> 00:22:14,640
Speaker 1: person paid off their credit card every single month, there's

442
00:22:14,640 --> 00:22:17,520
Speaker 1: no balance. They make money off interest for people that

443
00:22:17,560 --> 00:22:20,480
Speaker 1: don't pay it off, right, So that goes back to

444
00:22:20,760 --> 00:22:26,040
Speaker 1: lack of financial understanding, literacy and not fully knowing the

445
00:22:27,240 --> 00:22:29,400
Speaker 1: system and how it actually works. So it's in their

446
00:22:29,440 --> 00:22:31,840
Speaker 1: best interest to you know, keep that system going and

447
00:22:32,000 --> 00:22:35,600
Speaker 1: where it is working. Um So, why why would they

448
00:22:35,840 --> 00:22:38,119
Speaker 1: you know go out of their way to advocate to

449
00:22:38,320 --> 00:22:42,040
Speaker 1: educate people to try to you know, hurt their bottom line,

450
00:22:42,119 --> 00:22:44,600
Speaker 1: hurt their revenue. And that's across the board. I mean,

451
00:22:44,600 --> 00:22:46,680
Speaker 1: if you look at Wall Street, Wall Street makes a

452
00:22:46,720 --> 00:22:49,400
Speaker 1: lot of money from uneducated people or people that just

453
00:22:49,880 --> 00:22:52,480
Speaker 1: blindly trust whoever they're investing, where it's not really in

454
00:22:52,520 --> 00:22:56,560
Speaker 1: their best interests to have people educated. And that's every

455
00:22:56,560 --> 00:22:58,159
Speaker 1: single interest. I could just you know, go down the

456
00:22:58,160 --> 00:23:01,720
Speaker 1: whole real estate everything. So I just feel that, um,

457
00:23:01,760 --> 00:23:03,600
Speaker 1: you know, it's one of these things that has never

458
00:23:03,640 --> 00:23:07,480
Speaker 1: been pushed, and we have something that's already in place

459
00:23:07,480 --> 00:23:11,879
Speaker 1: where it's like, okay, this is math, reading science, you know,

460
00:23:11,920 --> 00:23:15,760
Speaker 1: the core curriculum, and you know, people just are reluctant

461
00:23:15,800 --> 00:23:18,640
Speaker 1: to change, and we just kind of accept things as

462
00:23:18,680 --> 00:23:21,720
Speaker 1: they are because it's the norm. It's been that way

463
00:23:21,760 --> 00:23:23,359
Speaker 1: for a long time, and we don't really question it,

464
00:23:23,400 --> 00:23:26,600
Speaker 1: like why are we still learning about astrology that might

465
00:23:26,600 --> 00:23:28,959
Speaker 1: not be the best use of our time, or like

466
00:23:29,400 --> 00:23:31,520
Speaker 1: dissecting and frog might not be the best use of

467
00:23:31,520 --> 00:23:33,639
Speaker 1: our time if we're not going to be a you know,

468
00:23:33,680 --> 00:23:36,040
Speaker 1: a surgeon or you know, study biology in college, which

469
00:23:36,119 --> 00:23:39,840
Speaker 1: very few people do. Financial literacy should probably be core

470
00:23:39,920 --> 00:23:51,639
Speaker 1: curriculum and that stuff can be an elector. So why

471
00:23:51,720 --> 00:23:55,520
Speaker 1: did you choose financial litter financial advisory? Um? Well, I

472
00:23:55,600 --> 00:23:57,960
Speaker 1: never had a real job, Like I always wanted to

473
00:23:57,960 --> 00:23:59,560
Speaker 1: be in business my whole life, and I knew I

474
00:23:59,600 --> 00:24:01,520
Speaker 1: could never work for anybody. I didn't really have the

475
00:24:02,200 --> 00:24:05,720
Speaker 1: temperament to actually, you know, conformed to a regular type

476
00:24:05,720 --> 00:24:08,280
Speaker 1: of job. So at the time, you know, I used

477
00:24:08,320 --> 00:24:11,960
Speaker 1: to play basketball, so that was my first goal was

478
00:24:12,000 --> 00:24:14,600
Speaker 1: to you know, play professional basketball, and that didn't work out.

479
00:24:14,640 --> 00:24:16,679
Speaker 1: So I came back home after college and I'm like,

480
00:24:16,680 --> 00:24:18,720
Speaker 1: I gotta kind of pickure something out. So I took

481
00:24:18,720 --> 00:24:22,040
Speaker 1: a job with an insurance company, commission based job, which

482
00:24:22,080 --> 00:24:24,520
Speaker 1: is relatively easy to get because you know, most people

483
00:24:24,520 --> 00:24:27,480
Speaker 1: in commission Jay's job, especially that that industry, don't make it.

484
00:24:27,800 --> 00:24:29,919
Speaker 1: So it's not it's not really hard to get hired,

485
00:24:30,160 --> 00:24:32,119
Speaker 1: it's just hard to make it. So you know, I

486
00:24:32,440 --> 00:24:36,120
Speaker 1: got hired, and um studied and took my securities license

487
00:24:36,200 --> 00:24:39,400
Speaker 1: and my life insurance license, life and health license, and

488
00:24:39,440 --> 00:24:41,960
Speaker 1: then um, yeah, I just felt like that was kind

489
00:24:41,960 --> 00:24:43,199
Speaker 1: of like the easiest route for me to get in

490
00:24:43,200 --> 00:24:45,359
Speaker 1: because I didn't study business in college. I didn't go

491
00:24:45,359 --> 00:24:47,240
Speaker 1: to like an Ivy League school, so I couldn't just

492
00:24:47,359 --> 00:24:50,119
Speaker 1: go and work on Wall Street and you know, working

493
00:24:50,280 --> 00:24:52,080
Speaker 1: like a marketing firm, I could have made like, you know,

494
00:24:52,119 --> 00:24:54,240
Speaker 1: thirty thousand dollars a year. That wasn't really appealing to me.

495
00:24:54,280 --> 00:24:55,920
Speaker 1: So I'm like, what's the best way that I could

496
00:24:55,960 --> 00:24:59,000
Speaker 1: make some substantial money? But you know, and my greet

497
00:24:59,119 --> 00:25:01,959
Speaker 1: my degree was a community cations degree, So just regular

498
00:25:02,040 --> 00:25:04,679
Speaker 1: like liberal arts degree from a state university. It's not

499
00:25:04,800 --> 00:25:06,880
Speaker 1: something that I feel like gonna get you too far.

500
00:25:07,280 --> 00:25:10,080
Speaker 1: So that was kind of how I saw my only

501
00:25:10,840 --> 00:25:14,679
Speaker 1: entry into the business world. And um, yeah, that was

502
00:25:14,960 --> 00:25:19,200
Speaker 1: taken from there. So when it comes to me personally,

503
00:25:19,280 --> 00:25:23,040
Speaker 1: how I learned about my whole financial literacy struggle. Um,

504
00:25:23,720 --> 00:25:27,440
Speaker 1: I think my first lesson I had my first company

505
00:25:27,520 --> 00:25:31,959
Speaker 1: when I was twenty one, and my first real lesson

506
00:25:32,320 --> 00:25:37,280
Speaker 1: was not paying taxes. And I got leans on everything

507
00:25:37,520 --> 00:25:40,520
Speaker 1: that I owned, which wasn't much, but it still taught

508
00:25:40,560 --> 00:25:45,000
Speaker 1: me a very valuable lesson about profit and law statements,

509
00:25:45,040 --> 00:25:48,600
Speaker 1: paying taxes. You know, I know we're always jumping to

510
00:25:48,640 --> 00:25:51,760
Speaker 1: create like corporations, LLCs, C corps, es corps or what

511
00:25:51,840 --> 00:25:55,040
Speaker 1: have you. But you know a lot of people say,

512
00:25:55,080 --> 00:25:57,919
Speaker 1: go out there and start at LLC or a corporation,

513
00:25:58,160 --> 00:26:02,120
Speaker 1: but there's all these responsibilities that also come with it.

514
00:26:02,520 --> 00:26:05,000
Speaker 1: And so I was young and and I got hit

515
00:26:05,080 --> 00:26:06,919
Speaker 1: that way. And then I think the second time, I

516
00:26:06,920 --> 00:26:09,040
Speaker 1: think one of my mentors was like, you know, your

517
00:26:09,040 --> 00:26:11,960
Speaker 1: company is doing very well, but if your company dies tomorrow,

518
00:26:12,000 --> 00:26:14,800
Speaker 1: you're worth nothing. So you need to build that credit.

519
00:26:15,400 --> 00:26:17,399
Speaker 1: And I you know, the way I did it. I

520
00:26:17,440 --> 00:26:19,720
Speaker 1: think I bought a Range Rover. Okay, you know what

521
00:26:19,760 --> 00:26:23,200
Speaker 1: I'm saying, We're like a seventeen percent interest rate because

522
00:26:23,240 --> 00:26:25,800
Speaker 1: I think my credit was a zero at the time. Um.

523
00:26:25,840 --> 00:26:27,399
Speaker 1: And I was very upset about it because at that

524
00:26:27,440 --> 00:26:29,679
Speaker 1: point I started learning about it. So I was very ill, right.

525
00:26:29,840 --> 00:26:32,119
Speaker 1: But you know, my mentor at the time was like,

526
00:26:32,119 --> 00:26:34,000
Speaker 1: just take this one for the team, just to build

527
00:26:34,000 --> 00:26:37,320
Speaker 1: your credit and we could re refinance it or what

528
00:26:37,400 --> 00:26:43,000
Speaker 1: have you later. Um. But how what was your experiences

529
00:26:43,040 --> 00:26:48,359
Speaker 1: with financial literacy personally? Yeah, so min is early. Um,

530
00:26:48,560 --> 00:26:51,160
Speaker 1: like you you know, especially in my in my house,

531
00:26:51,440 --> 00:26:53,359
Speaker 1: it wasn't even talked about. We never talked about money.

532
00:26:53,359 --> 00:26:56,359
Speaker 1: And my parents, like I always say, like my dad

533
00:26:56,440 --> 00:26:58,119
Speaker 1: worked forty two years, but I couldn't tell you what

534
00:26:58,200 --> 00:27:00,080
Speaker 1: he did. I know he went to work on know

535
00:27:00,119 --> 00:27:01,960
Speaker 1: it was in Manhattan. I know it's an office building

536
00:27:01,960 --> 00:27:03,919
Speaker 1: and I visited a few times. But I couldn't tell

537
00:27:03,920 --> 00:27:06,560
Speaker 1: you exactly what he did. And so I had to

538
00:27:06,640 --> 00:27:08,280
Speaker 1: learn these things I had to learn from my peers.

539
00:27:08,320 --> 00:27:10,280
Speaker 1: I have to learn from myself. Um. And so like

540
00:27:10,359 --> 00:27:12,840
Speaker 1: most most people, uh, getting the credit card once you

541
00:27:12,840 --> 00:27:15,680
Speaker 1: get to school, you know, the first semester, you're walking

542
00:27:15,720 --> 00:27:18,199
Speaker 1: on the campus right in the cafeteria, just you know,

543
00:27:18,280 --> 00:27:20,840
Speaker 1: to come that. They're looking for their prey, right this

544
00:27:21,040 --> 00:27:24,080
Speaker 1: this financial prey, the financial prey. And so like students,

545
00:27:24,119 --> 00:27:26,480
Speaker 1: we have no money, some of us don't work, and

546
00:27:26,520 --> 00:27:28,399
Speaker 1: it's like, wait, I can get two hundred dollars, And

547
00:27:28,440 --> 00:27:30,440
Speaker 1: so I had to learn that very early. I would

548
00:27:30,480 --> 00:27:32,320
Speaker 1: spend it. I would use the two hundred. They were

549
00:27:32,440 --> 00:27:34,119
Speaker 1: increase it, I'll use it just fore up to a

550
00:27:34,160 --> 00:27:36,639
Speaker 1: thousand to a point. It was just like wait, what

551
00:27:36,760 --> 00:27:41,360
Speaker 1: is again? On it um? And then learning student loan.

552
00:27:42,000 --> 00:27:44,399
Speaker 1: You know a lot of people don't even realize what

553
00:27:44,440 --> 00:27:46,520
Speaker 1: it is until they get on campus, which is kind

554
00:27:46,560 --> 00:27:48,080
Speaker 1: of why we had the program. Was like, let's teach

555
00:27:48,119 --> 00:27:51,879
Speaker 1: these kids early so they're prepared for the biggest financial decision.

556
00:27:51,920 --> 00:27:54,880
Speaker 1: At seventeen eight years old. Nobody told us. I was like, wait,

557
00:27:54,920 --> 00:27:57,600
Speaker 1: I can I can't go to school. Oh sign these papers?

558
00:27:57,720 --> 00:27:59,679
Speaker 1: Oh wait, you're gonna be my co signer? I had

559
00:27:59,760 --> 00:28:01,920
Speaker 1: no I did with all that? Man, what is fast for? Wait,

560
00:28:01,960 --> 00:28:03,760
Speaker 1: the more money my parents made, the lesson I can give.

561
00:28:04,640 --> 00:28:07,080
Speaker 1: All Right, all these lessons are happening in real time,

562
00:28:07,440 --> 00:28:09,120
Speaker 1: and we have to make these real decisions. But I'm

563
00:28:09,200 --> 00:28:12,480
Speaker 1: eighteen years old. I'm like, all right, I guess until

564
00:28:12,600 --> 00:28:16,720
Speaker 1: you start realizing weight the career I'm going after and

565
00:28:16,800 --> 00:28:19,760
Speaker 1: the room that I owe, I'm not having gonna pay

566
00:28:19,800 --> 00:28:23,200
Speaker 1: this hole. And so those type of lessons happened really early.

567
00:28:23,240 --> 00:28:26,440
Speaker 1: And then obviously the credit card situation, it was like, Okay,

568
00:28:27,280 --> 00:28:31,120
Speaker 1: this is what this, this is what interest rates are right,

569
00:28:31,520 --> 00:28:33,960
Speaker 1: this is what like you said again, taxes. I started

570
00:28:33,960 --> 00:28:36,239
Speaker 1: working when I was in school. Wait, I can't go

571
00:28:36,280 --> 00:28:37,959
Speaker 1: away to school, like, I don't think my parents can

572
00:28:38,080 --> 00:28:40,520
Speaker 1: afford this. I gotta make this decisions. I gotta stay home.

573
00:28:40,640 --> 00:28:42,719
Speaker 1: I gotta live here. I gotta figure out how I'm

574
00:28:42,720 --> 00:28:44,760
Speaker 1: gonna get everywhere. I gotta buy a car, like wait,

575
00:28:44,800 --> 00:28:46,840
Speaker 1: I gotta get car instruss, all these lessons that no

576
00:28:46,880 --> 00:28:49,000
Speaker 1: one's telling you about. I was just kind of learning

577
00:28:49,040 --> 00:28:51,280
Speaker 1: on the fly, like making these decisions, and like some

578
00:28:51,360 --> 00:28:53,520
Speaker 1: of them were poor, like the credit card when I

579
00:28:53,520 --> 00:28:55,840
Speaker 1: think it ran up. I started with two limit. I

580
00:28:55,840 --> 00:28:58,000
Speaker 1: think I got it up to like ten thousand, and

581
00:28:58,040 --> 00:29:01,560
Speaker 1: by the time I stopped using it, They're like, uh,

582
00:29:01,720 --> 00:29:05,640
Speaker 1: you just because the interests kept growing and growing growing,

583
00:29:05,640 --> 00:29:06,960
Speaker 1: And I was like I can't make the faments. I

584
00:29:06,960 --> 00:29:11,000
Speaker 1: can't And I was like, all right, now what I

585
00:29:11,040 --> 00:29:15,440
Speaker 1: feel like there's a lot of misconceptions when it comes

586
00:29:15,480 --> 00:29:18,600
Speaker 1: to credit cards used. You handled yours very well compared

587
00:29:18,640 --> 00:29:21,920
Speaker 1: to my first credit card, because you got to the

588
00:29:22,040 --> 00:29:25,480
Speaker 1: increased limit part. I was taught, like I think most

589
00:29:25,520 --> 00:29:29,280
Speaker 1: young people are taught well credit cards are use those

590
00:29:29,400 --> 00:29:31,560
Speaker 1: in case of emergencies. Now that I'm older, I don't

591
00:29:31,560 --> 00:29:36,040
Speaker 1: believe that you guys are the assets over reliabilities crew,

592
00:29:36,080 --> 00:29:39,080
Speaker 1: which is my favorite discussion in my household. I talked

593
00:29:39,120 --> 00:29:41,920
Speaker 1: about it so much with my friends. They probably roll

594
00:29:42,000 --> 00:29:44,120
Speaker 1: their eyes when I'm on the phone with them and Okay,

595
00:29:44,360 --> 00:29:48,960
Speaker 1: should go again. But when it comes to credit cards used, Okay,

596
00:29:49,160 --> 00:29:52,560
Speaker 1: assets versus liabilities? What is the best way to handle

597
00:29:52,720 --> 00:29:55,760
Speaker 1: and look at your credit card? Yeah, thank god? We

598
00:29:55,800 --> 00:29:59,200
Speaker 1: should use it for things that you need to like gas,

599
00:29:59,680 --> 00:30:02,600
Speaker 1: bro freeze things that's like part of your your daily routine,

600
00:30:03,080 --> 00:30:04,959
Speaker 1: and then try to pay it off and fourth at

601
00:30:04,960 --> 00:30:06,800
Speaker 1: the end of the month. That's the best way to

602
00:30:06,800 --> 00:30:09,080
Speaker 1: really go about it, because you know, using the credit

603
00:30:09,120 --> 00:30:11,360
Speaker 1: card on a consistent basis is gonna help you. It's

604
00:30:11,360 --> 00:30:13,719
Speaker 1: gonna help build your credit score. It's gonna help you

605
00:30:14,000 --> 00:30:17,760
Speaker 1: gain more credit um and it's something that you actually

606
00:30:17,760 --> 00:30:20,200
Speaker 1: need to build a credit history, credit profile, and credit

607
00:30:20,200 --> 00:30:22,160
Speaker 1: card is probably the easiest way to do that. So,

608
00:30:22,240 --> 00:30:24,680
Speaker 1: you know, credit cards aren't bad. It's just a lot

609
00:30:24,720 --> 00:30:26,800
Speaker 1: of times people use it for things that they don't

610
00:30:26,840 --> 00:30:29,840
Speaker 1: necessarily need, or they use it and they don't have

611
00:30:29,960 --> 00:30:31,840
Speaker 1: enough money to pay it back. So it's like, you know,

612
00:30:31,880 --> 00:30:33,520
Speaker 1: you just want to go to Miami. If you don't

613
00:30:33,520 --> 00:30:34,760
Speaker 1: have enough money, you just put it on the credit

614
00:30:34,760 --> 00:30:36,360
Speaker 1: card and just worry about it later. And it's like, okay,

615
00:30:36,360 --> 00:30:39,560
Speaker 1: the trip course and you're paying like a couple of

616
00:30:39,640 --> 00:30:42,080
Speaker 1: hundred dollars onto every single month, that's when you fall

617
00:30:42,120 --> 00:30:44,880
Speaker 1: in the problems. So the best way to use a

618
00:30:44,920 --> 00:30:47,800
Speaker 1: credit card is you know, paid off at the end

619
00:30:47,840 --> 00:30:49,240
Speaker 1: of the month and only use it for things that

620
00:30:49,280 --> 00:30:51,840
Speaker 1: you actually need. But it is tempting because you know,

621
00:30:51,920 --> 00:30:55,000
Speaker 1: especially as your as your limit increases, you know, you

622
00:30:55,120 --> 00:30:57,720
Speaker 1: got you know, tens thousands of dollars in your pocket

623
00:30:57,800 --> 00:30:59,719
Speaker 1: that you can really just do whatever you want with.

624
00:31:00,360 --> 00:31:03,520
Speaker 1: It becomes difficult to have, you know, discipline, so you

625
00:31:03,560 --> 00:31:08,320
Speaker 1: definitely gotta stay focused. I had my older brother, uh

626
00:31:08,600 --> 00:31:11,120
Speaker 1: he he was the first one I've ever seen that

627
00:31:11,160 --> 00:31:13,960
Speaker 1: made money off credit cards, and I was like, oh, brother,

628
00:31:14,000 --> 00:31:16,480
Speaker 1: you gotta have a mad discipline to make money off

629
00:31:16,480 --> 00:31:19,680
Speaker 1: a credit card. But yet, credit cards can be assets

630
00:31:19,800 --> 00:31:23,240
Speaker 1: or they could be liabilities depending on how you use

631
00:31:23,280 --> 00:31:29,240
Speaker 1: them quickly. Right, Um, when it comes to predatory lending,

632
00:31:29,360 --> 00:31:32,320
Speaker 1: one of my biggest pet peeves, Like nothing irritates I

633
00:31:32,320 --> 00:31:34,600
Speaker 1: don't even get road range, but if I hear an

634
00:31:34,640 --> 00:31:38,160
Speaker 1: ad on the radio, that's like, Susie, I couldn't afford

635
00:31:38,200 --> 00:31:40,560
Speaker 1: my rent this month. Yeah, we have no money and

636
00:31:40,640 --> 00:31:42,840
Speaker 1: all our credit cards are maxed up? What do you

637
00:31:42,840 --> 00:31:45,840
Speaker 1: think we should do? Well? They got fast paid call

638
00:31:46,000 --> 00:31:50,800
Speaker 1: this number. Like literally, I like my brain cells exploding

639
00:31:50,880 --> 00:31:54,600
Speaker 1: my brain and I'm just like thoroughly frustrated, Like how

640
00:31:54,640 --> 00:31:57,800
Speaker 1: this is even legally able to be advertised on the radio.

641
00:31:58,120 --> 00:32:02,080
Speaker 1: And then I also think the problem, Soothie and Tom,

642
00:32:02,280 --> 00:32:07,280
Speaker 1: isn't that you need more money. The problem is your overhead,

643
00:32:07,280 --> 00:32:10,680
Speaker 1: your whole financial structure is clearly there's a lot going

644
00:32:11,120 --> 00:32:14,160
Speaker 1: on there. How do you feel about predatory lending in

645
00:32:14,200 --> 00:32:18,160
Speaker 1: those scenarios? Yeah, I mean it's definitely it's an issue,

646
00:32:18,720 --> 00:32:21,560
Speaker 1: and it's something that, um, you know a lot of

647
00:32:21,600 --> 00:32:23,880
Speaker 1: people aren't even aware of it like that they actually

648
00:32:23,880 --> 00:32:25,880
Speaker 1: didn't taken advantage of even if you look at like, uh,

649
00:32:26,200 --> 00:32:29,040
Speaker 1: check cash in places, you know you pay, you pay

650
00:32:29,120 --> 00:32:32,920
Speaker 1: money just to actually get your money. And that's something

651
00:32:32,960 --> 00:32:34,680
Speaker 1: that like, you know, when I had when I was

652
00:32:34,720 --> 00:32:36,280
Speaker 1: working as a counselor and I was a little kid.

653
00:32:36,360 --> 00:32:38,160
Speaker 1: You know, everybody we just go to the check hash

654
00:32:38,200 --> 00:32:40,360
Speaker 1: in place, and you think about it, but it was

655
00:32:40,400 --> 00:32:42,640
Speaker 1: like we could have just opened a bank account and

656
00:32:42,920 --> 00:32:45,200
Speaker 1: depositive to checks and not have to pay any money.

657
00:32:45,560 --> 00:32:47,640
Speaker 1: Or you're paying five dollars out of a check that's

658
00:32:47,680 --> 00:32:50,360
Speaker 1: two hundred dollars and you're not think about it at

659
00:32:50,360 --> 00:32:52,520
Speaker 1: the time, but that adds up. And you never see

660
00:32:52,560 --> 00:32:54,960
Speaker 1: check cash in places in anywhere except for poor and

661
00:32:54,960 --> 00:32:57,000
Speaker 1: working class neighborhood. I've never seen a check cash in

662
00:32:57,000 --> 00:33:00,280
Speaker 1: place in Oriach neighborhood. So well, a lot of I

663
00:33:00,280 --> 00:33:03,680
Speaker 1: think two people go to check cash in places. Is

664
00:33:04,240 --> 00:33:08,240
Speaker 1: another lesson I had to learn the hard way. It's

665
00:33:08,320 --> 00:33:12,600
Speaker 1: check systems. Check systems is when you guys are familiar

666
00:33:12,640 --> 00:33:15,800
Speaker 1: where you over withdraw your bank account, or if you're

667
00:33:15,880 --> 00:33:19,360
Speaker 1: lucky like me, there's some body in the neighborhood that's

668
00:33:19,360 --> 00:33:21,680
Speaker 1: willing to say, oh, cash is checking your bank account

669
00:33:21,680 --> 00:33:24,320
Speaker 1: and give me the money. And you know check systems.

670
00:33:24,440 --> 00:33:25,960
Speaker 1: You know, once you end up in check systems, you

671
00:33:26,000 --> 00:33:29,239
Speaker 1: can't open a bank account. And uh, A lot of

672
00:33:29,280 --> 00:33:33,680
Speaker 1: people fall prey to check systems because again miss mismanaging

673
00:33:33,720 --> 00:33:35,480
Speaker 1: money and they don't have the option to open a

674
00:33:35,480 --> 00:33:38,120
Speaker 1: bank account again, and then they're relying on predatory lending

675
00:33:38,160 --> 00:33:41,479
Speaker 1: to move the needle forward. Yeah, that's why the education

676
00:33:41,480 --> 00:33:44,400
Speaker 1: piece is so important. It's so like imagine having it

677
00:33:44,440 --> 00:33:48,680
Speaker 1: at nine years old, ten years old, understanding that you

678
00:33:48,720 --> 00:33:50,520
Speaker 1: know what I mean, like, you're less likely to make

679
00:33:50,520 --> 00:33:52,400
Speaker 1: those mistakes as you get older that you're still gonna

680
00:33:52,400 --> 00:33:55,080
Speaker 1: make some mistakes, um, but you're less likely to write

681
00:33:55,080 --> 00:33:57,160
Speaker 1: when you know these things in place. So that's why

682
00:33:57,160 --> 00:33:59,560
Speaker 1: it's important, Like anytime we get to be around youth,

683
00:33:59,680 --> 00:34:02,360
Speaker 1: tell them that, even around our own kids, Like when

684
00:34:02,360 --> 00:34:04,520
Speaker 1: I go to the bank sometimes my son comes with

685
00:34:04,560 --> 00:34:07,920
Speaker 1: mean bills. He's with me. If I'm at a restaurant

686
00:34:08,000 --> 00:34:11,000
Speaker 1: and he's was taxed, he's a lesson. So teaching them

687
00:34:11,000 --> 00:34:14,080
Speaker 1: the lessons as early as possible was vitally important because yeah,

688
00:34:14,080 --> 00:34:16,080
Speaker 1: I mean, I seem like they understand it and they

689
00:34:16,120 --> 00:34:18,359
Speaker 1: don't get it, but they're at least familiar with the terms.

690
00:34:18,480 --> 00:34:21,600
Speaker 1: You know what I mean. Yeah, I when I heard

691
00:34:21,600 --> 00:34:24,919
Speaker 1: about Earn your Leisure. First of all, I'm a huge

692
00:34:24,960 --> 00:34:28,640
Speaker 1: entrepreneurship fan, huge financial literacies fans. So you could imagine

693
00:34:29,280 --> 00:34:31,920
Speaker 1: if I get frustrated over radio at how excited I

694
00:34:31,920 --> 00:34:35,320
Speaker 1: am about Earn your Leisure. I was extreme, Like we

695
00:34:35,440 --> 00:34:37,600
Speaker 1: have all different types of guests, but I was a

696
00:34:38,360 --> 00:34:41,720
Speaker 1: nervous and excited when I was like, oh, dare in town.

697
00:34:41,920 --> 00:34:44,799
Speaker 1: We gotta get them. And then you guys actually gave

698
00:34:44,840 --> 00:34:47,080
Speaker 1: me some time out of your schedule. But what you

699
00:34:47,120 --> 00:34:51,120
Speaker 1: guys are doing has a huge ripple effect because I

700
00:34:51,160 --> 00:34:53,680
Speaker 1: think in the black community, you know, we talked about

701
00:34:53,680 --> 00:34:56,839
Speaker 1: having money, having cars, having jewelry, having all these nice things,

702
00:34:56,880 --> 00:35:01,399
Speaker 1: but nobody wants to talk about how to achieve those

703
00:35:01,440 --> 00:35:05,800
Speaker 1: things and break it down in a discipline. I say, since,

704
00:35:06,000 --> 00:35:08,719
Speaker 1: and you guys are not just reaching youth. Now, you

705
00:35:08,719 --> 00:35:12,640
Speaker 1: guys are reaching masses, and so your footprint is like

706
00:35:12,760 --> 00:35:20,680
Speaker 1: forever going to create a ripple effect. Now, generational wealth

707
00:35:21,000 --> 00:35:26,839
Speaker 1: is something that I feel like has impacted the Black community.

708
00:35:27,120 --> 00:35:29,279
Speaker 1: Nobody really talks about. We talked about slavery, we talk

709
00:35:29,360 --> 00:35:34,800
Speaker 1: about Jim Crow, but we're not talking about generational wealth enough. Um,

710
00:35:34,920 --> 00:35:40,560
Speaker 1: how do you guys feel about the bank's responsibilities in

711
00:35:40,760 --> 00:35:45,200
Speaker 1: the lack of general general the generational wealth in the

712
00:35:45,239 --> 00:35:50,720
Speaker 1: black community. It's important to understand our relationship with with banks.

713
00:35:51,280 --> 00:35:53,640
Speaker 1: I'm one of the things we did with our communities.

714
00:35:53,680 --> 00:35:56,760
Speaker 1: Like we read a book called The Color of Money

715
00:35:56,920 --> 00:36:00,000
Speaker 1: and explains about the history of of of Black America

716
00:36:00,120 --> 00:36:05,480
Speaker 1: kins and the late eighteen hundreds, early nineteen hundreds about

717
00:36:06,080 --> 00:36:08,040
Speaker 1: how you know, we used to invest in the bank

718
00:36:08,400 --> 00:36:13,160
Speaker 1: and you know the banquet invests in the railroad system,

719
00:36:13,200 --> 00:36:14,840
Speaker 1: and you know we lost all our money in the

720
00:36:14,920 --> 00:36:17,960
Speaker 1: railroad system. So understanding the history before we even get

721
00:36:18,000 --> 00:36:21,359
Speaker 1: to the present is important. Understanding the mistrust and so

722
00:36:21,600 --> 00:36:25,279
Speaker 1: understand where it came from. Um is important. But you know,

723
00:36:25,400 --> 00:36:28,400
Speaker 1: the banks again, when we when we look at it,

724
00:36:28,480 --> 00:36:30,640
Speaker 1: we've been taught to put our money in the bank

725
00:36:30,840 --> 00:36:32,680
Speaker 1: so we could save money. Put our money in the bank,

726
00:36:32,920 --> 00:36:35,440
Speaker 1: save money, put money in the bank, save money. What

727
00:36:35,520 --> 00:36:37,120
Speaker 1: they don't tell us is that when we put our

728
00:36:37,160 --> 00:36:39,799
Speaker 1: money in the bank, the bank actually uses it right.

729
00:36:40,000 --> 00:36:42,560
Speaker 1: And so anytime like if you ever go to the

730
00:36:42,600 --> 00:36:44,959
Speaker 1: bank and try to make a withdrawal for anything over

731
00:36:45,280 --> 00:36:48,640
Speaker 1: five dollars. If you if you have any account, they're

732
00:36:48,640 --> 00:36:51,040
Speaker 1: going to tell you, oh, wait, we need a few days.

733
00:36:51,480 --> 00:36:53,360
Speaker 1: We need a few days for us to clear that

734
00:36:53,360 --> 00:36:56,080
Speaker 1: type of money. And so you never wonder like, wait,

735
00:36:56,080 --> 00:36:57,719
Speaker 1: why would they need that if this is the bank.

736
00:36:58,080 --> 00:36:59,960
Speaker 1: What they're doing is they're landing your money and make

737
00:37:00,000 --> 00:37:02,239
Speaker 1: can interest so for your money. And so rather than

738
00:37:02,280 --> 00:37:05,319
Speaker 1: telling especially in West Indians like Saves says they're saved.

739
00:37:06,000 --> 00:37:08,520
Speaker 1: That's one route. But yeah, we should be investing as

740
00:37:08,560 --> 00:37:11,239
Speaker 1: well because we're probably gonna make more money in our investments.

741
00:37:12,400 --> 00:37:14,120
Speaker 1: Then we're all going to have in an interest that

742
00:37:14,160 --> 00:37:15,440
Speaker 1: the bank's going to give us with the money that

743
00:37:15,480 --> 00:37:18,560
Speaker 1: we saved inside our accounts. And so understanding that the

744
00:37:18,600 --> 00:37:22,040
Speaker 1: mistrust from our history with the bank system for understanding

745
00:37:22,200 --> 00:37:24,879
Speaker 1: how we can use money and understand money to make

746
00:37:24,920 --> 00:37:27,319
Speaker 1: sure that we're taking advantage of it and having it

747
00:37:27,400 --> 00:37:29,680
Speaker 1: work for us rather than having the bank use it

748
00:37:29,719 --> 00:37:32,080
Speaker 1: so we can work for them. Yeah. So, but when

749
00:37:32,160 --> 00:37:37,320
Speaker 1: it comes to black people and banks, I personally feel

750
00:37:37,360 --> 00:37:40,640
Speaker 1: like the banks play a huge role and where we're

751
00:37:40,800 --> 00:37:43,320
Speaker 1: as a community. You know, I have neighbors on my

752
00:37:43,440 --> 00:37:46,879
Speaker 1: block that owned homes that were given their homes. Right

753
00:37:46,960 --> 00:37:50,040
Speaker 1: these are million dollar homes in Los Angeles, just gifted

754
00:37:50,080 --> 00:37:53,000
Speaker 1: to them. We don't have those same opportunities because banks,

755
00:37:53,760 --> 00:37:56,680
Speaker 1: you know, wouldn't lend to us. And then you have

756
00:37:56,760 --> 00:37:58,920
Speaker 1: the issue and you guys have talked about this too.

757
00:37:59,360 --> 00:38:01,680
Speaker 1: Is that bank you know in certain areas they're saying

758
00:38:01,719 --> 00:38:03,920
Speaker 1: that the house is worth less or you know, the

759
00:38:03,960 --> 00:38:08,120
Speaker 1: prais of value or what have you. So do you

760
00:38:08,520 --> 00:38:12,120
Speaker 1: do you feel a little bit of something towards me?

761
00:38:12,239 --> 00:38:14,640
Speaker 1: I personally think that they should play a role of reparations.

762
00:38:14,800 --> 00:38:16,400
Speaker 1: I feel like there's no system that hasn't played a

763
00:38:16,440 --> 00:38:18,479
Speaker 1: part in that, Like, you know, even what you're talking about,

764
00:38:18,480 --> 00:38:21,239
Speaker 1: what the housing discrimination and the insurance companies played a

765
00:38:21,239 --> 00:38:24,080
Speaker 1: partner as well, because insurance companies went insured the homes

766
00:38:24,120 --> 00:38:27,239
Speaker 1: and black neighborhoods, so that played a part. And then

767
00:38:27,320 --> 00:38:30,920
Speaker 1: even going back further than that with slavery, like insurance companies,

768
00:38:31,560 --> 00:38:33,360
Speaker 1: a lot of them New York Life, a lot of

769
00:38:33,360 --> 00:38:37,960
Speaker 1: these companies got their start insuring slaves. Wall Street was

770
00:38:38,239 --> 00:38:41,920
Speaker 1: the first commodity traded on Wall Street with slaves, So

771
00:38:42,080 --> 00:38:47,120
Speaker 1: that's actually a slave marketplace where Wall Street is right now. Um,

772
00:38:47,160 --> 00:38:50,080
Speaker 1: so I mean, if you you you can't name anything American.

773
00:38:50,120 --> 00:38:54,040
Speaker 1: The whole American structure was built on racism. So if

774
00:38:54,120 --> 00:38:56,920
Speaker 1: racism is a dealbreaker, you just got to move outside

775
00:38:56,960 --> 00:38:59,840
Speaker 1: the country. Because I feel like everybody is responsible for

776
00:39:00,120 --> 00:39:04,759
Speaker 1: or the the polite of black people in America, every

777
00:39:04,760 --> 00:39:07,840
Speaker 1: single every single industry. There's no industry that has not

778
00:39:07,960 --> 00:39:10,920
Speaker 1: taken advantage of it, from real estate to banks to

779
00:39:11,080 --> 00:39:14,239
Speaker 1: insurance companies. I mean, it's been documented. It's not even

780
00:39:14,280 --> 00:39:16,040
Speaker 1: like a secret. It's not like a conspiracy theory. Like

781
00:39:16,080 --> 00:39:17,759
Speaker 1: it's literally you could just google it and just find

782
00:39:17,760 --> 00:39:20,840
Speaker 1: the information. It's right there, and everybody has benefited except

783
00:39:21,239 --> 00:39:23,799
Speaker 1: for the people that actually, you know, was the ones

784
00:39:23,880 --> 00:39:25,840
Speaker 1: that got taken advantage of. So I feel like, you know,

785
00:39:26,000 --> 00:39:28,279
Speaker 1: now we're in a time and place where racism is

786
00:39:28,280 --> 00:39:30,279
Speaker 1: always gonna be there. Unfortunately, I just feel like that's

787
00:39:30,320 --> 00:39:32,680
Speaker 1: just in the fabric of this country. But you know,

788
00:39:33,120 --> 00:39:35,040
Speaker 1: it is what it is. We gotta, you know, move

789
00:39:35,080 --> 00:39:37,880
Speaker 1: around it and figure it out to the best of

790
00:39:37,880 --> 00:39:41,560
Speaker 1: all abilities. And the housing thing that personally that happened

791
00:39:41,560 --> 00:39:43,920
Speaker 1: to me personally, So I spoke about that on one

792
00:39:43,960 --> 00:39:47,440
Speaker 1: of our early episodes where my Homer praise for lessen it.

793
00:39:47,440 --> 00:39:49,640
Speaker 1: It was brought for right where everything around there to

794
00:39:49,680 --> 00:39:52,239
Speaker 1: praise higher. So like a ten year span, my house

795
00:39:52,280 --> 00:39:55,879
Speaker 1: actually devalued in the same neighborhood for other houses appreciative

796
00:39:55,960 --> 00:39:59,319
Speaker 1: value right, And so what's the answer to that number one?

797
00:40:00,239 --> 00:40:01,360
Speaker 1: How do I know? I mean it was it was

798
00:40:01,400 --> 00:40:03,080
Speaker 1: a time current, so I had to get it done

799
00:40:03,120 --> 00:40:05,240
Speaker 1: at a certain time. But I could have afford it

800
00:40:05,280 --> 00:40:07,839
Speaker 1: and got another appraisal and got another appraisal to my liking.

801
00:40:07,840 --> 00:40:09,560
Speaker 1: The only things I didn't have time as an advantage.

802
00:40:09,880 --> 00:40:12,719
Speaker 1: But nobody told me that I could fight the appraisal

803
00:40:13,040 --> 00:40:14,279
Speaker 1: or you know what I mean, to have somebody to

804
00:40:14,320 --> 00:40:17,000
Speaker 1: do an independent appraisal or use a different brain to

805
00:40:17,000 --> 00:40:19,360
Speaker 1: have an appraisal. But that's why the education point is

806
00:40:19,680 --> 00:40:22,680
Speaker 1: valuely important? Or are we educating people that look like

807
00:40:22,800 --> 00:40:27,080
Speaker 1: us to be appraisers. That's a different way to look, right,

808
00:40:27,080 --> 00:40:28,600
Speaker 1: because a lot of times the people who are praising

809
00:40:28,640 --> 00:40:32,359
Speaker 1: our homes don't look like us. Or I mean, I'm

810
00:40:32,360 --> 00:40:34,240
Speaker 1: one of those people that like break through the window,

811
00:40:34,400 --> 00:40:36,920
Speaker 1: but like maybe just have your white home girl be

812
00:40:37,000 --> 00:40:39,319
Speaker 1: their journals. Yeah, So that that was like I saw

813
00:40:39,360 --> 00:40:40,800
Speaker 1: that that was there was a porter down on ABC

814
00:40:40,920 --> 00:40:43,160
Speaker 1: news where they took down the pictures they put a

815
00:40:43,160 --> 00:40:45,040
Speaker 1: white family up in the House of praise. But I

816
00:40:45,120 --> 00:40:46,960
Speaker 1: just show you what he said, right, if raised him

817
00:40:46,960 --> 00:40:48,759
Speaker 1: gonna be a dealbreaker, we need to leave. So how

818
00:40:48,760 --> 00:40:51,719
Speaker 1: do we combat it? Be educated? You know what, I

819
00:40:51,760 --> 00:40:54,640
Speaker 1: don't agree with this appraisal. Let me go to another institution.

820
00:40:54,680 --> 00:40:57,240
Speaker 1: Let me get an independent appraisal. Let me fight this appraisal.

821
00:40:57,560 --> 00:40:59,880
Speaker 1: Right if you have the time and the amount the

822
00:41:00,080 --> 00:41:01,960
Speaker 1: need to do it, because I know, like s seven

823
00:41:02,320 --> 00:41:04,320
Speaker 1: dollars he's trying to do it, but it might be

824
00:41:04,360 --> 00:41:06,680
Speaker 1: worth it if it's gonna put ten to a hundred

825
00:41:06,680 --> 00:41:09,080
Speaker 1: dollar dollars of value of equity back in your home.

826
00:41:09,440 --> 00:41:11,720
Speaker 1: And so knowing that going into the process is important,

827
00:41:11,719 --> 00:41:14,359
Speaker 1: but also educating people, like we tell young people we

828
00:41:14,400 --> 00:41:17,280
Speaker 1: need more representation. I haven't. I haven't had an appraisal

829
00:41:17,320 --> 00:41:22,600
Speaker 1: with somebody that looks like me. Well, yeah, so if

830
00:41:22,640 --> 00:41:24,480
Speaker 1: you and I were about to play a game, right,

831
00:41:24,960 --> 00:41:29,239
Speaker 1: and you know I historically cheat for years, Okay, you

832
00:41:29,400 --> 00:41:32,200
Speaker 1: either I feel as black people as a culture, we

833
00:41:32,280 --> 00:41:35,000
Speaker 1: either say okay, we know Johnny's gonna steal from us,

834
00:41:35,040 --> 00:41:37,680
Speaker 1: you know, and that your response is like, you know

835
00:41:37,719 --> 00:41:42,160
Speaker 1: what prepared for the stealing. Prepared, you know, have your

836
00:41:42,360 --> 00:41:45,760
Speaker 1: your your backups and your backups and your backups. After

837
00:41:45,800 --> 00:41:50,320
Speaker 1: the pandemic. One of the things that hit me, or

838
00:41:50,760 --> 00:41:53,360
Speaker 1: I was shocked by when it came to pandemic. And

839
00:41:53,400 --> 00:41:55,480
Speaker 1: I'm not a smart I wouldn't say I'm like smart

840
00:41:55,560 --> 00:41:58,480
Speaker 1: education like college student wise, I'm a college dropout. But

841
00:41:59,480 --> 00:42:02,360
Speaker 1: one of the things I was shocked, what was the bailouts.

842
00:42:02,800 --> 00:42:04,759
Speaker 1: I was like, oh, Ship, you know I always tell

843
00:42:04,800 --> 00:42:07,040
Speaker 1: my friends, I'm like, reparations are gonna happen. I promise

844
00:42:07,120 --> 00:42:10,600
Speaker 1: it's gonna happen one day, it's gonna happen. When the

845
00:42:10,600 --> 00:42:14,360
Speaker 1: bailouts happened, I said, oh, Ship, it's possible. Do you

846
00:42:14,360 --> 00:42:16,799
Speaker 1: think it's possible. It's always possible. I mean they're given

847
00:42:16,840 --> 00:42:19,239
Speaker 1: billions of dollars and ages to every every country all

848
00:42:19,239 --> 00:42:23,000
Speaker 1: over the world. You just name a country. Billion dollars here,

849
00:42:23,080 --> 00:42:26,000
Speaker 1: five billion dollars here, ten billion dollars here. So of

850
00:42:26,040 --> 00:42:28,959
Speaker 1: course they printed, they print money whenever they want money.

851
00:42:29,080 --> 00:42:31,920
Speaker 1: Why why do you think black people still haven't received it?

852
00:42:32,239 --> 00:42:35,359
Speaker 1: Because I feel like there's no there's no real need

853
00:42:35,480 --> 00:42:38,520
Speaker 1: for them to do it. There's no pressure, Like there's

854
00:42:38,520 --> 00:42:40,480
Speaker 1: no pressure on it. It's not going to make or

855
00:42:40,480 --> 00:42:43,040
Speaker 1: break the situation if they don't do it. Like it's

856
00:42:43,040 --> 00:42:46,680
Speaker 1: not something that is really like a political foreign to them.

857
00:42:46,840 --> 00:42:49,160
Speaker 1: It's just a noise in their ear. They don't really

858
00:42:49,160 --> 00:42:53,880
Speaker 1: have any real pressure. Politicians only only respect pressure. So

859
00:42:53,960 --> 00:42:56,239
Speaker 1: when it comes to the Black Lives Matter movement, we

860
00:42:56,280 --> 00:42:59,759
Speaker 1: saw a lot of pressure uh from brand stepping up

861
00:42:59,760 --> 00:43:02,880
Speaker 1: either supporting black business, spending more money with black business.

862
00:43:02,960 --> 00:43:06,160
Speaker 1: Even the Tabia from Revolts said that to spend for

863
00:43:06,280 --> 00:43:11,360
Speaker 1: black average for advertising on black networks increased. That pressure

864
00:43:11,480 --> 00:43:14,160
Speaker 1: was created from the George Floyd in the Black Lives Matter.

865
00:43:14,600 --> 00:43:17,480
Speaker 1: What kind of pressure do you think we can realistically

866
00:43:17,560 --> 00:43:20,680
Speaker 1: do to apply that to the rest of the world

867
00:43:21,520 --> 00:43:25,000
Speaker 1: to get reparations. I mean it comes down the unity.

868
00:43:25,200 --> 00:43:28,480
Speaker 1: You gotta first we have a united front. That's the

869
00:43:28,520 --> 00:43:30,680
Speaker 1: first thing. And then you know, you have to have

870
00:43:30,719 --> 00:43:34,600
Speaker 1: a real political agenda where it's like, you know, it's

871
00:43:34,600 --> 00:43:39,359
Speaker 1: something that you a economics is extremely important. So it's like,

872
00:43:39,440 --> 00:43:42,440
Speaker 1: you know, you put money behind a politician and that

873
00:43:42,520 --> 00:43:44,600
Speaker 1: politician is kind of like indebted to you, and that's

874
00:43:44,600 --> 00:43:47,120
Speaker 1: what that's how politics really work. And you have to

875
00:43:47,160 --> 00:43:50,239
Speaker 1: be able to you know, withhold your vote or vote

876
00:43:50,239 --> 00:43:53,479
Speaker 1: for vote for other parties. Like black people only vote

877
00:43:53,480 --> 00:43:57,080
Speaker 1: for Democratic Party. So if you only if of the

878
00:43:57,080 --> 00:43:59,520
Speaker 1: people is voting for the party, no matter what they do,

879
00:43:59,520 --> 00:44:01,279
Speaker 1: you're still go vote for him. So it's not really

880
00:44:01,280 --> 00:44:03,279
Speaker 1: a pressure where it's like you used to take. Like

881
00:44:03,320 --> 00:44:06,319
Speaker 1: the Jewish community, they might be split fift They got

882
00:44:06,360 --> 00:44:08,200
Speaker 1: people that vote for the Republican, They got people that

883
00:44:08,440 --> 00:44:12,560
Speaker 1: vote for the Democrats, whatever the agenda is, whatever they want.

884
00:44:12,680 --> 00:44:17,520
Speaker 1: You know, it's not blinded on just one particular party.

885
00:44:17,560 --> 00:44:19,319
Speaker 1: I think that's very dangerous when you just put all

886
00:44:19,320 --> 00:44:22,160
Speaker 1: your eggs in one basket. So you gotta spread, and

887
00:44:22,200 --> 00:44:28,080
Speaker 1: you gotta diversify in politics, and you gotta actually have unity,

888
00:44:28,160 --> 00:44:29,960
Speaker 1: and you gotta have you know, something that you can

889
00:44:30,000 --> 00:44:32,359
Speaker 1: actually withhold where it's like, okay, if you're not gonna

890
00:44:32,400 --> 00:44:34,080
Speaker 1: do this for us, this is what we're not going

891
00:44:34,120 --> 00:44:46,600
Speaker 1: to do for you, eat broke. So economics is always

892
00:44:46,600 --> 00:44:48,239
Speaker 1: a good thing. If you don't have economics, then you

893
00:44:48,280 --> 00:44:50,799
Speaker 1: withhold the voter, or you vote for somebody else's you know,

894
00:44:50,840 --> 00:44:53,160
Speaker 1: I don't have all the answers, but that's something that

895
00:44:53,320 --> 00:44:55,840
Speaker 1: you know. Until then, it's like you're not really in

896
00:44:55,880 --> 00:44:58,040
Speaker 1: a point of negotiation. You're gonna negotiate if you have

897
00:44:58,160 --> 00:45:00,440
Speaker 1: some level of strength other than that just kind of

898
00:45:00,480 --> 00:45:02,799
Speaker 1: like begging and asking, Yeah, I think I have an

899
00:45:02,800 --> 00:45:06,680
Speaker 1: aligned and uniform these are wanting our needs, right like,

900
00:45:06,760 --> 00:45:08,400
Speaker 1: and it has to be uniformed, like you said, like,

901
00:45:08,760 --> 00:45:11,400
Speaker 1: we can't like I want this unified front. This is

902
00:45:11,400 --> 00:45:13,080
Speaker 1: why I wants in our needs and we're gonna withhold

903
00:45:13,080 --> 00:45:16,080
Speaker 1: from that if we don't get these things and being

904
00:45:16,200 --> 00:45:19,040
Speaker 1: educated in the space. Right Like, if people aren't informed

905
00:45:19,080 --> 00:45:23,000
Speaker 1: about politicians and politicians and elections and who they're going for,

906
00:45:23,360 --> 00:45:25,279
Speaker 1: they'll just vote for anybody. Oh I'm supposed to vote,

907
00:45:25,280 --> 00:45:27,440
Speaker 1: so I vote vote today. You have no idea of

908
00:45:27,480 --> 00:45:30,040
Speaker 1: their gender, what they have planned for your community, even

909
00:45:30,200 --> 00:45:32,640
Speaker 1: on a local level, right, people aren't paying attention and

910
00:45:32,640 --> 00:45:34,680
Speaker 1: so they're not educating themselves in those areas, and so

911
00:45:34,719 --> 00:45:36,719
Speaker 1: it's like, Okay, how can we get anything done when

912
00:45:36,719 --> 00:45:38,560
Speaker 1: you don't even know who you're going for? So it

913
00:45:38,600 --> 00:45:40,600
Speaker 1: starts there, but it has it has to be uniformed.

914
00:45:40,640 --> 00:45:44,480
Speaker 1: Even like the Black Lives Matter situation and companies stepping

915
00:45:44,520 --> 00:45:48,080
Speaker 1: up for black businesses, right, it was a reaction to

916
00:45:48,160 --> 00:45:50,560
Speaker 1: something that happened. It wasn't like we're doing this because

917
00:45:51,080 --> 00:45:54,040
Speaker 1: you said these yere wants to needs. It was like, okay,

918
00:45:54,239 --> 00:45:57,000
Speaker 1: that was horrific. How can we answer that? Well, it

919
00:45:57,040 --> 00:45:58,920
Speaker 1: wasn't just that it was horrific. It was like the

920
00:45:58,920 --> 00:46:00,440
Speaker 1: whole world had to come to a stop. There we

921
00:46:00,480 --> 00:46:04,080
Speaker 1: had to be no sports distractions. But there was already stopped,

922
00:46:04,120 --> 00:46:06,520
Speaker 1: so everybody saw it. Not it wasn't enough that there

923
00:46:06,560 --> 00:46:08,279
Speaker 1: was protests here in the United States. It became a

924
00:46:08,280 --> 00:46:11,799
Speaker 1: protest that was around the world, right, so that that

925
00:46:11,880 --> 00:46:15,200
Speaker 1: changed things. But even now it was like companies are

926
00:46:15,200 --> 00:46:16,799
Speaker 1: saying they're going to do it, but we have to

927
00:46:16,800 --> 00:46:19,680
Speaker 1: figure out what have they done it? Have they support? Where?

928
00:46:19,719 --> 00:46:22,560
Speaker 1: Where is the documentation that you know, what if you

929
00:46:22,680 --> 00:46:24,239
Speaker 1: said that you were going to put a hundred billion

930
00:46:24,239 --> 00:46:27,080
Speaker 1: dollars towards black businesses, have you done it? Which where

931
00:46:27,080 --> 00:46:30,200
Speaker 1: are the businesses? And I saw this just clipped earlier.

932
00:46:30,200 --> 00:46:32,000
Speaker 1: It was it was interesting, like people keep talking about

933
00:46:32,000 --> 00:46:36,040
Speaker 1: support black businesses. It's bigger than support black businesses right

934
00:46:36,200 --> 00:46:39,839
Speaker 1: by in black businesses, bigger than support purchasing and help

935
00:46:39,920 --> 00:46:42,520
Speaker 1: them fund them, right you know, I mean because if

936
00:46:42,560 --> 00:46:45,200
Speaker 1: we don't then we don't have our businesses and then

937
00:46:45,239 --> 00:46:47,759
Speaker 1: we can't come with an economic front, and we can't

938
00:46:47,840 --> 00:46:50,040
Speaker 1: have lobbyists, and we can't have politicians to say, all right,

939
00:46:50,360 --> 00:46:52,200
Speaker 1: this is what If you don't do these things, we're

940
00:46:52,200 --> 00:46:57,120
Speaker 1: not voting. That's how change happens. So we're coming to

941
00:46:57,239 --> 00:47:00,680
Speaker 1: an end of this interview that I never want to end.

942
00:47:00,960 --> 00:47:05,120
Speaker 1: Um and we gotta do taste tests. So Rashod and Stroy,

943
00:47:07,000 --> 00:47:09,640
Speaker 1: I'm just gonna take this half off your plate. I'm

944
00:47:09,680 --> 00:47:13,080
Speaker 1: going to have you there. We cut this one a

945
00:47:13,080 --> 00:47:15,120
Speaker 1: lot better than that one, So go with this. This

946
00:47:15,160 --> 00:47:18,080
Speaker 1: is neat Okay. So who are we going to try

947
00:47:18,080 --> 00:47:24,400
Speaker 1: it first? Okay, So we're gonna go with Rashads first.

948
00:47:24,600 --> 00:47:27,840
Speaker 1: So we got the tuna sandwich with the male catchup

949
00:47:28,080 --> 00:47:32,600
Speaker 1: and potato chips. Everybody on wheat bread here, very important,

950
00:47:36,640 --> 00:47:43,480
Speaker 1: elite level level, exactly elite. I love how he's advertising

951
00:47:43,520 --> 00:47:48,399
Speaker 1: how good his sandwiches when jasually not bad. I think

952
00:47:48,400 --> 00:47:50,480
Speaker 1: the chips is what really said. I'm trying to get

953
00:47:50,480 --> 00:47:52,120
Speaker 1: a bigger piece of chip right on the second bike.

954
00:47:52,320 --> 00:47:54,319
Speaker 1: And you know what, I would have never thought catch

955
00:47:54,400 --> 00:47:57,719
Speaker 1: up on tuna. Nobody ever thinks of it. I'm not

956
00:47:57,760 --> 00:48:01,439
Speaker 1: gonna lie. I do think this is this is pretty

957
00:48:01,520 --> 00:48:04,759
Speaker 1: damn good. I think the chips I don't know, And

958
00:48:04,800 --> 00:48:06,759
Speaker 1: it could be the toasted Bresson's gonna be the first

959
00:48:06,760 --> 00:48:11,919
Speaker 1: one in the in the cookbook. O what I made

960
00:48:12,000 --> 00:48:16,920
Speaker 1: this in the middle night? Bring memory, I've got to

961
00:48:16,920 --> 00:48:21,480
Speaker 1: play my palate. I will say that the only difference

962
00:48:21,480 --> 00:48:28,320
Speaker 1: I would do there's maybe mixing the tuna. And that

963
00:48:28,480 --> 00:48:31,719
Speaker 1: was only because it's a little dry. Well you know

964
00:48:31,800 --> 00:48:34,200
Speaker 1: what we used to but I couldn't think of it.

965
00:48:34,239 --> 00:48:38,239
Speaker 1: But I used to get this tuna. It was like

966
00:48:38,280 --> 00:48:41,640
Speaker 1: an oil based tuna. But I forgot the name of it.

967
00:48:41,680 --> 00:48:43,080
Speaker 1: So if I was sending him to picture, I was

968
00:48:43,120 --> 00:48:45,799
Speaker 1: trying to google the name of it. But and so

969
00:48:47,160 --> 00:48:50,680
Speaker 1: that made the tune a lot more moist. And now

970
00:48:50,880 --> 00:48:53,160
Speaker 1: that was like that was my secret source in the

971
00:48:53,160 --> 00:48:55,960
Speaker 1: whole situation. So a lot of well, I think a

972
00:48:56,000 --> 00:48:58,040
Speaker 1: lot of the listeners know by now that I do shop.

973
00:48:58,160 --> 00:49:00,919
Speaker 1: I did see your picture of the tuna with the oil.

974
00:49:01,920 --> 00:49:05,040
Speaker 1: I didn't know if you were just saying, get this

975
00:49:05,160 --> 00:49:07,880
Speaker 1: brand tuna, but I could not find that brand with

976
00:49:07,920 --> 00:49:09,600
Speaker 1: the oil. And I was like, I'm pretty sure this

977
00:49:09,680 --> 00:49:13,720
Speaker 1: oil means something. But I was like brand or oil,

978
00:49:13,800 --> 00:49:17,800
Speaker 1: and I chose brand but I'll give you a pass. Okay,

979
00:49:17,800 --> 00:49:20,040
Speaker 1: I'll give you a pass. Oil and oil is important

980
00:49:20,080 --> 00:49:22,600
Speaker 1: because it adds a whole different flavor to it. Here

981
00:49:22,640 --> 00:49:24,680
Speaker 1: we go, Okay, here we go. I took a swig

982
00:49:24,680 --> 00:49:34,439
Speaker 1: of water. Now it's Troy's pizza bagel. Here we go. Hmm,

983
00:49:38,840 --> 00:49:42,520
Speaker 1: my bread is too soft. I love how Rashad is

984
00:49:42,560 --> 00:49:50,960
Speaker 1: semi hating over He's like, okay, so I wish when

985
00:49:51,000 --> 00:49:55,520
Speaker 1: you think I like that his brad was This brad

986
00:49:55,640 --> 00:49:59,640
Speaker 1: is pretty soft. Called my bagel a brand? I need

987
00:49:59,680 --> 00:50:06,000
Speaker 1: a little I need a little function. Tell me about

988
00:50:06,000 --> 00:50:11,520
Speaker 1: the flavor. Flavor wise great. I think if I hadn't

989
00:50:11,560 --> 00:50:14,400
Speaker 1: talked so much, we would have had more of the

990
00:50:14,480 --> 00:50:18,000
Speaker 1: melty cheese versus the you know, I was kind of

991
00:50:18,040 --> 00:50:21,279
Speaker 1: looking forward to this whole melted cheese moment. Flavor wise,

992
00:50:21,320 --> 00:50:28,480
Speaker 1: it's great. What I eat again? Hell yeah, um, I've

993
00:50:28,560 --> 00:50:32,280
Speaker 1: chased the garlic, the reg and old basil. It feels

994
00:50:32,320 --> 00:50:38,200
Speaker 1: like a real pizza image. I put this on hearto bread.

995
00:50:39,520 --> 00:50:41,400
Speaker 1: That should have been a Jamaican part. I should have

996
00:50:41,440 --> 00:50:44,759
Speaker 1: used the heart o bread. I think both are good.

997
00:50:46,560 --> 00:50:49,640
Speaker 1: Which one do you? What do you think? Well, you know,

998
00:50:49,680 --> 00:50:51,960
Speaker 1: I'm partial to the tuner and and I'm actually handicapped

999
00:50:51,960 --> 00:50:53,840
Speaker 1: in a situation because I didn't get the right ingredients

1000
00:50:53,800 --> 00:50:56,279
Speaker 1: at the oil. But you know, that just brings back

1001
00:50:56,280 --> 00:50:58,759
Speaker 1: so many memories for me, and this is good. It

1002
00:50:58,760 --> 00:51:04,160
Speaker 1: tastes like school, Like school lunch is taking shots. So

1003
00:51:04,880 --> 00:51:07,800
Speaker 1: I'm gonna I'm gonna end the debates for everyone listening.

1004
00:51:10,239 --> 00:51:14,400
Speaker 1: I ain't gonna lie. I preconceived thought the tuna was

1005
00:51:14,440 --> 00:51:18,600
Speaker 1: absolutely going to suck that looking at it, it looked

1006
00:51:18,600 --> 00:51:22,759
Speaker 1: like it was going to suck. Now Troy's looked like

1007
00:51:22,800 --> 00:51:25,240
Speaker 1: it was gonna be amazing, and he was gonna stomp

1008
00:51:25,280 --> 00:51:29,760
Speaker 1: all over the tuna. But Troy, don't kill me. It's okay,

1009
00:51:30,120 --> 00:51:34,200
Speaker 1: But the tuna actually beat it. I just lost my my,

1010
00:51:33,920 --> 00:51:37,279
Speaker 1: my tuna bagel. I want to apologize to his granda home.

1011
00:51:37,320 --> 00:51:46,319
Speaker 1: That teacher expectations. That's yeah, I don't know. I don't know.

1012
00:51:46,920 --> 00:51:50,040
Speaker 1: It's crazy because the pizza bagel is really good. But

1013
00:51:50,120 --> 00:51:53,040
Speaker 1: it could be the share shock that the tuna sand

1014
00:51:53,280 --> 00:51:55,479
Speaker 1: was going to be. They didn't you think the tuna

1015
00:51:55,520 --> 00:51:59,280
Speaker 1: sandwich was gonna be tryed, So when you saw the catchup,

1016
00:51:59,320 --> 00:52:01,960
Speaker 1: you know those two things. I don't even think I

1017
00:52:01,960 --> 00:52:04,000
Speaker 1: got catch up in my fight. So I'm okay with

1018
00:52:04,040 --> 00:52:08,560
Speaker 1: that because I didn't have any absolutely amazing that the

1019
00:52:08,640 --> 00:52:11,920
Speaker 1: catchup and the and that just come from years of

1020
00:52:12,000 --> 00:52:15,960
Speaker 1: just trying different things. You know, life's about taking risk.

1021
00:52:15,719 --> 00:52:19,000
Speaker 1: But look, he's over here, like he got a belt

1022
00:52:19,040 --> 00:52:22,759
Speaker 1: over this. So to close out, I did want to

1023
00:52:22,760 --> 00:52:25,200
Speaker 1: talk about a bunch more stuff, But to close out,

1024
00:52:25,480 --> 00:52:27,440
Speaker 1: I really want to challenge you guys, to put you

1025
00:52:27,480 --> 00:52:29,680
Speaker 1: on the spot. You cannot walk away from this interview

1026
00:52:29,719 --> 00:52:33,279
Speaker 1: without answering this question. Let's do it. If we had

1027
00:52:33,320 --> 00:52:39,000
Speaker 1: to choose a spokesperson, it goes back to representation, putting pressure.

1028
00:52:40,080 --> 00:52:45,680
Speaker 1: Who from our culture would you choose to represent us.

1029
00:52:45,880 --> 00:52:48,640
Speaker 1: I think that that's part of the problem with black

1030
00:52:48,640 --> 00:52:51,839
Speaker 1: people is that we have my sire complex like we've

1031
00:52:51,840 --> 00:52:54,080
Speaker 1: always been you know, we've been spoiled with leadership. As

1032
00:52:54,120 --> 00:52:56,239
Speaker 1: my guy nineteen Key says, it's like when you think

1033
00:52:56,280 --> 00:52:59,720
Speaker 1: about black people, you think about strong leadership, from Malcolm

1034
00:52:59,719 --> 00:53:05,319
Speaker 1: mag to Marcus Garvey to Muhammad Ali to Malcolm X.

1035
00:53:06,840 --> 00:53:09,239
Speaker 1: I said, I think, I said, yeah, So it's like

1036
00:53:09,239 --> 00:53:12,560
Speaker 1: we've always had leadership. But the problem with malign on

1037
00:53:12,560 --> 00:53:14,920
Speaker 1: the leaders that it's too easy to to kill literally

1038
00:53:14,960 --> 00:53:18,080
Speaker 1: and figuratively kill one person and then when you cut

1039
00:53:18,080 --> 00:53:20,280
Speaker 1: the head off in the whole body, no false apartment.

1040
00:53:20,320 --> 00:53:23,200
Speaker 1: When you think about like the Asian community, Um, can

1041
00:53:23,239 --> 00:53:26,200
Speaker 1: you name like twenty leaders? Can you name five leaders

1042
00:53:26,200 --> 00:53:28,279
Speaker 1: in the last hundred years in the Asian community? No,

1043
00:53:28,360 --> 00:53:32,080
Speaker 1: but to play devil's advocate, I totally disagree. Hard to

1044
00:53:32,080 --> 00:53:34,880
Speaker 1: go into debate on this because those men that you

1045
00:53:35,600 --> 00:53:41,000
Speaker 1: named were able to move the needle forward. And and

1046
00:53:41,280 --> 00:53:43,280
Speaker 1: not only were they able to move the needle forward,

1047
00:53:43,600 --> 00:53:46,600
Speaker 1: those guys, the question is is who would you choose

1048
00:53:46,600 --> 00:53:49,920
Speaker 1: as a spokesperson. Yeah, I think even that it's kind

1049
00:53:49,920 --> 00:53:53,200
Speaker 1: of tricky because the spokesperson comes with responsibilities leadership, and

1050
00:53:53,200 --> 00:53:55,719
Speaker 1: it comes with hate to people like to just you know,

1051
00:53:55,840 --> 00:53:58,120
Speaker 1: tear somebody down when they reach out to point. I

1052
00:53:58,120 --> 00:54:00,560
Speaker 1: feel like we all should be leaders, and I feel like,

1053
00:54:00,600 --> 00:54:03,960
Speaker 1: you know, leadership starts at the household and and you know,

1054
00:54:04,080 --> 00:54:07,759
Speaker 1: self responsibility of not relying. Even like me, I'm not

1055
00:54:07,800 --> 00:54:09,640
Speaker 1: really into politics too much because I want to rely

1056
00:54:09,840 --> 00:54:12,920
Speaker 1: on government or anybody. I feel like I have to

1057
00:54:12,960 --> 00:54:15,560
Speaker 1: rely on myself and I feel like, you know, self

1058
00:54:15,600 --> 00:54:20,520
Speaker 1: responsibility and self accountability is extremely important. Self accountability and

1059
00:54:20,520 --> 00:54:23,719
Speaker 1: self responsibility is more important than leadership, more important than

1060
00:54:23,719 --> 00:54:28,759
Speaker 1: a spokesperson. But as an entrepreneur, I'm one of those

1061
00:54:28,800 --> 00:54:32,560
Speaker 1: believers that there's no one on my team that is

1062
00:54:32,600 --> 00:54:35,120
Speaker 1: more important than the next. Whether the person is mopping

1063
00:54:35,120 --> 00:54:38,680
Speaker 1: the floor, taking the pictures, editing, or whoever, including me,

1064
00:54:38,800 --> 00:54:42,040
Speaker 1: they are not, they are not, and no one's lease.

1065
00:54:42,600 --> 00:54:45,520
Speaker 1: But I do know that my team won't run efficiently

1066
00:54:46,320 --> 00:54:48,359
Speaker 1: if there isn't a leader. No, I'm not, I'm not.

1067
00:54:48,400 --> 00:54:51,200
Speaker 1: I'm not. I'm not saying that I'm opposed to leadership

1068
00:54:51,239 --> 00:54:53,520
Speaker 1: because I think that there. Of course, it's human nature

1069
00:54:53,520 --> 00:54:55,680
Speaker 1: that you always have to have some level of leadership.

1070
00:54:56,520 --> 00:54:58,759
Speaker 1: I just think the focus shouldn't be on leadership. I

1071
00:54:58,800 --> 00:55:01,680
Speaker 1: think we focus too much leadership, like who's the next leader,

1072
00:55:01,719 --> 00:55:03,960
Speaker 1: Who's the next black leader, Who's going to be the spokesperson?

1073
00:55:04,239 --> 00:55:07,160
Speaker 1: That will just come organically from people that will just

1074
00:55:07,280 --> 00:55:09,400
Speaker 1: rise the cream on always rise to the top. But

1075
00:55:09,520 --> 00:55:12,000
Speaker 1: that shouldn't be the focus. The focus should be how

1076
00:55:12,040 --> 00:55:14,680
Speaker 1: can we save our household? How can we build stromping families?

1077
00:55:14,680 --> 00:55:17,000
Speaker 1: How can we support black businesses? How can we have

1078
00:55:17,080 --> 00:55:20,200
Speaker 1: group economics? How can we educate ourselves? How can we

1079
00:55:20,239 --> 00:55:22,279
Speaker 1: you know these are things? How can we become more

1080
00:55:22,280 --> 00:55:25,120
Speaker 1: healthier even eating food, Like you know, these are things

1081
00:55:25,160 --> 00:55:28,520
Speaker 1: like diabetes and stuff that runs in our communities rampant.

1082
00:55:28,640 --> 00:55:31,359
Speaker 1: So I feel like the leadership is not a bad thing,

1083
00:55:31,800 --> 00:55:35,520
Speaker 1: but I think we focus too much on that. It

1084
00:55:35,560 --> 00:55:38,799
Speaker 1: goes back like even in the school system, right, My

1085
00:55:38,880 --> 00:55:40,919
Speaker 1: model was always like I was a physic teacher, right,

1086
00:55:41,200 --> 00:55:43,080
Speaker 1: and so I always tell people about the expectation. What

1087
00:55:43,080 --> 00:55:44,440
Speaker 1: do you expect the physic that teacher, what do you

1088
00:55:44,440 --> 00:55:47,040
Speaker 1: expect from them? Right? They could be the coach, athletic director.

1089
00:55:47,520 --> 00:55:49,040
Speaker 1: My model was just like lead from when you are,

1090
00:55:49,640 --> 00:55:51,439
Speaker 1: Like lead from where you are, because what he's saying,

1091
00:55:51,840 --> 00:55:53,120
Speaker 1: there's a lot of truth to it, right when we

1092
00:55:53,160 --> 00:55:55,400
Speaker 1: see people rise to the top, and Barack Obama is

1093
00:55:55,520 --> 00:55:58,840
Speaker 1: a perfect example there. We saw how he was treated,

1094
00:55:59,440 --> 00:56:02,880
Speaker 1: how they try to, you know, throw dirt on the

1095
00:56:02,920 --> 00:56:05,880
Speaker 1: position because whoever he was. And what it does to

1096
00:56:06,040 --> 00:56:08,480
Speaker 1: a younger generation is they almost look at it like

1097
00:56:08,480 --> 00:56:10,279
Speaker 1: why would I want to be that? Why would I

1098
00:56:10,280 --> 00:56:12,200
Speaker 1: want to aspire to be that? If that comes with it.

1099
00:56:12,480 --> 00:56:14,880
Speaker 1: I'm not saying that it's not obviously a very very

1100
00:56:14,920 --> 00:56:17,360
Speaker 1: important job that comes through a lot of responsibilities. It's like,

1101
00:56:17,400 --> 00:56:18,839
Speaker 1: if that's going to happen when I get there, Why

1102
00:56:18,880 --> 00:56:20,960
Speaker 1: would I want to be there? This match is so

1103
00:56:21,000 --> 00:56:23,920
Speaker 1: important because it's like, who is the leader of especially

1104
00:56:23,960 --> 00:56:26,560
Speaker 1: in our space, who's the leader of financial literacy? You

1105
00:56:26,600 --> 00:56:28,600
Speaker 1: don't know who the leader is. What's more important is

1106
00:56:28,640 --> 00:56:31,000
Speaker 1: the education that they're getting. Right. So if any day

1107
00:56:31,040 --> 00:56:33,719
Speaker 1: that we stopped doing earner leisure, right, you've gotten so

1108
00:56:33,800 --> 00:56:36,319
Speaker 1: much information that you can lead your community. She's got

1109
00:56:36,360 --> 00:56:38,960
Speaker 1: so much information that she can lead her community. So

1110
00:56:39,080 --> 00:56:41,000
Speaker 1: does he, And so you don't really have a leader,

1111
00:56:41,040 --> 00:56:44,120
Speaker 1: you have a You built a community of leaders that

1112
00:56:44,200 --> 00:56:46,640
Speaker 1: can actually execute on information and pass it onto the

1113
00:56:46,640 --> 00:56:49,920
Speaker 1: next generation. Because what the men and women that he mentioned,

1114
00:56:50,680 --> 00:56:56,359
Speaker 1: they are vitally important to the black excellence that that

1115
00:56:56,400 --> 00:57:00,200
Speaker 1: we're allowed to continue, right, But when they died, was

1116
00:57:00,239 --> 00:57:03,520
Speaker 1: their mission continue to the the way they saw it?

1117
00:57:03,840 --> 00:57:05,879
Speaker 1: We don't know. All we know is what they laid

1118
00:57:05,880 --> 00:57:07,759
Speaker 1: out for us and what we need to add to

1119
00:57:07,800 --> 00:57:11,200
Speaker 1: it to continue and in the excellence that was stow before.

1120
00:57:11,280 --> 00:57:12,680
Speaker 1: So it was like, all right, let let's just keep

1121
00:57:12,680 --> 00:57:15,360
Speaker 1: doing we're doing eve from where we are and and

1122
00:57:15,680 --> 00:57:18,440
Speaker 1: turn everybody around. This will get the information and if

1123
00:57:18,480 --> 00:57:22,960
Speaker 1: there's no us, the information education will always do on. Okay, well,

1124
00:57:24,320 --> 00:57:27,760
Speaker 1: you guys put me in a position I definitely disagree, Um,

1125
00:57:27,960 --> 00:57:31,600
Speaker 1: but I only disagree, and I have nothing but love

1126
00:57:31,640 --> 00:57:37,520
Speaker 1: for you guys, UM, because you guys play such a

1127
00:57:37,520 --> 00:57:41,400
Speaker 1: pivotal role in our community culturalized black, white brown. It

1128
00:57:41,440 --> 00:57:43,760
Speaker 1: doesn't really matter because you're talking financial literacy and we

1129
00:57:43,800 --> 00:57:46,280
Speaker 1: all need help, and you're talking education. We all need

1130
00:57:46,320 --> 00:57:52,080
Speaker 1: that guidance. When I think about reparations. MLK is like,

1131
00:57:52,680 --> 00:57:54,720
Speaker 1: you know, I have a couple people that I think

1132
00:57:54,760 --> 00:57:57,280
Speaker 1: on my favorite people on the planets, like Jesus, John

1133
00:57:57,320 --> 00:58:00,480
Speaker 1: the Baptist. Martin Luther King is like, you know, if

1134
00:58:00,480 --> 00:58:01,920
Speaker 1: he was like, like who you could have something with?

1135
00:58:02,120 --> 00:58:04,040
Speaker 1: Like just put these three people. I'm cool, you know.

1136
00:58:04,400 --> 00:58:08,720
Speaker 1: I feel like all three would accept me pretty fine,

1137
00:58:08,800 --> 00:58:16,800
Speaker 1: you know. But I still think that a spokesperson is needed,

1138
00:58:16,840 --> 00:58:21,320
Speaker 1: someone that could speak both languages. And I'm gonna throw

1139
00:58:21,440 --> 00:58:25,479
Speaker 1: my spokesperson. Okay, what does she want to know? Don't

1140
00:58:25,480 --> 00:58:27,320
Speaker 1: you want to know who it is? How about can

1141
00:58:27,320 --> 00:58:29,480
Speaker 1: I ask you this? So if we're talking about MLK

1142
00:58:30,320 --> 00:58:33,600
Speaker 1: and his vision, his dream for economic empowerment, is it

1143
00:58:33,680 --> 00:58:42,600
Speaker 1: being fulfilled in this president day? Yes and no? Yes

1144
00:58:42,640 --> 00:58:49,360
Speaker 1: and no and only no. Because you know, well, let

1145
00:58:49,360 --> 00:58:52,880
Speaker 1: me ask you this, what's more beneficial one powerful spokesperson

1146
00:58:53,600 --> 00:58:57,600
Speaker 1: or thirty five billionaires. It doesn't have to be either.

1147
00:58:58,360 --> 00:58:59,960
Speaker 1: It doesn't have to be either or like one does

1148
00:59:00,000 --> 00:59:02,080
Speaker 1: in the gate the other. Like like I said when

1149
00:59:02,080 --> 00:59:04,480
Speaker 1: I said the whole thing about a team, like my

1150
00:59:04,560 --> 00:59:07,560
Speaker 1: team is equal to me. There will always be equal

1151
00:59:07,600 --> 00:59:10,320
Speaker 1: to me. If anything happened to my team members, we

1152
00:59:10,360 --> 00:59:12,680
Speaker 1: talked about it all day, I'll be crying about it whatever.

1153
00:59:13,200 --> 00:59:16,560
Speaker 1: But but it doesn't negate. You understand, like one doesn't

1154
00:59:16,560 --> 00:59:18,880
Speaker 1: negate the other does. There is there is a need

1155
00:59:18,920 --> 00:59:21,360
Speaker 1: for a role what what what group do you feel

1156
00:59:21,360 --> 00:59:24,240
Speaker 1: like is successful? And like what ethnic group do you

1157
00:59:24,240 --> 00:59:27,280
Speaker 1: feel like it's a successful example that somebody can follow

1158
00:59:27,320 --> 00:59:32,440
Speaker 1: in America or that has a clear leader? No, no, no,

1159
00:59:32,480 --> 00:59:35,920
Speaker 1: it's almost almost just say the thing you're not supposed

1160
00:59:35,920 --> 00:59:38,680
Speaker 1: to say. I think white people just I mean they

1161
00:59:38,680 --> 00:59:41,320
Speaker 1: did an white people. That's a that's a broad term.

1162
00:59:41,360 --> 00:59:43,840
Speaker 1: So like I'm saying, like, like an ethnic I hate

1163
00:59:43,840 --> 00:59:47,640
Speaker 1: the word about like minority. What ethnic minority would you say?

1164
00:59:47,680 --> 00:59:51,640
Speaker 1: This is people that can be duplicate, Like this is

1165
00:59:51,680 --> 00:59:54,480
Speaker 1: something that's an example to to try to duplicate or

1166
00:59:54,520 --> 00:59:57,280
Speaker 1: they've done well, and this is something that you know,

1167
00:59:57,360 --> 00:59:59,240
Speaker 1: we can try to take some different parts of what

1168
00:59:59,280 --> 01:00:05,440
Speaker 1: they've done. By example of spokesperson group like a group,

1169
01:00:05,480 --> 01:00:07,720
Speaker 1: I think black people are the motherfucking m v ps.

1170
01:00:07,720 --> 01:00:09,800
Speaker 1: Like I think we're the m v ps, Like we

1171
01:00:09,800 --> 01:00:13,400
Speaker 1: were so resilient, we've broken barrier after barrier. I will

1172
01:00:13,440 --> 01:00:16,200
Speaker 1: say black people is the second. Now I appreciate that,

1173
01:00:16,320 --> 01:00:18,160
Speaker 1: but I'm just saying from my standpoint, I look at

1174
01:00:18,120 --> 01:00:21,200
Speaker 1: it like, all right, we know that Asians probably make

1175
01:00:21,240 --> 01:00:23,200
Speaker 1: the most amount, and that's kind of a broad term.

1176
01:00:23,240 --> 01:00:25,840
Speaker 1: But like let's say like the Asian community, Let's say

1177
01:00:25,840 --> 01:00:28,480
Speaker 1: the Indian community, Let's say the Jewish community, Let's say

1178
01:00:28,480 --> 01:00:31,959
Speaker 1: the Mexican community. Let's let's use all of these different communities. Right,

1179
01:00:32,360 --> 01:00:37,800
Speaker 1: Who who's a leader in any one of those communities? Who, like,

1180
01:00:38,280 --> 01:00:40,560
Speaker 1: name one person that's like, this is the leader of

1181
01:00:40,560 --> 01:00:43,720
Speaker 1: the Jewish community, This is the leader of the Chinese community.

1182
01:00:43,720 --> 01:00:46,600
Speaker 1: This is the leader of the Filipino community, This is

1183
01:00:46,640 --> 01:00:51,600
Speaker 1: the leader because all of them are light years ahead

1184
01:00:51,600 --> 01:00:55,040
Speaker 1: of us economically, but they're but they're only there because

1185
01:00:55,040 --> 01:00:58,080
Speaker 1: they didn't have the hurdles. But I understand that. But

1186
01:00:58,560 --> 01:01:01,840
Speaker 1: with look my whole thing is is you're trying to

1187
01:01:01,880 --> 01:01:04,040
Speaker 1: ask for help for people that hurt you. That's a

1188
01:01:04,120 --> 01:01:06,960
Speaker 1: dysfunctional relationship. It's like being in a relationship with somebody

1189
01:01:07,280 --> 01:01:11,760
Speaker 1: who is abusive to you, and after four hundred years

1190
01:01:11,760 --> 01:01:13,480
Speaker 1: you're thinking this is gonna be there, that they change

1191
01:01:13,880 --> 01:01:16,480
Speaker 1: not gonna happen. You got to accept them like this is.

1192
01:01:16,520 --> 01:01:18,560
Speaker 1: This is not. I don't think racism is going to

1193
01:01:18,680 --> 01:01:23,080
Speaker 1: go anywhere exactly, but I think I think a game

1194
01:01:23,360 --> 01:01:26,400
Speaker 1: is still meant to be played, is always meant to

1195
01:01:26,400 --> 01:01:28,960
Speaker 1: play to win or lose. But I think there is

1196
01:01:29,000 --> 01:01:32,560
Speaker 1: a place where you can play fairly, Like you can

1197
01:01:32,600 --> 01:01:34,959
Speaker 1: say no more rigging the game. But what I'm saying

1198
01:01:35,040 --> 01:01:37,840
Speaker 1: is that that's not Life doesn't work based off of fairness.

1199
01:01:38,240 --> 01:01:42,160
Speaker 1: Life based off of strength and power. So what I'm

1200
01:01:42,200 --> 01:01:44,880
Speaker 1: saying is that we're trying to play a fair game.

1201
01:01:45,400 --> 01:01:47,120
Speaker 1: It's not gonna be fair. We're gonna have this conversation

1202
01:01:47,240 --> 01:01:49,680
Speaker 1: hundred years from now. So how do we work together

1203
01:01:50,760 --> 01:01:55,520
Speaker 1: group economics? Grow have enough money where now we can

1204
01:01:55,520 --> 01:01:58,520
Speaker 1: tilt the skills ourselves. It doesn't have to be one person.

1205
01:01:58,760 --> 01:02:00,560
Speaker 1: But now if you've got a group of people, this

1206
01:02:00,640 --> 01:02:02,880
Speaker 1: guy's worth two billions, he's worked, four billion he's worked,

1207
01:02:02,920 --> 01:02:05,680
Speaker 1: and then we all work together collectively. Now we can

1208
01:02:05,680 --> 01:02:11,080
Speaker 1: put pressure, economic pressure on the situation. Now that changes

1209
01:02:11,120 --> 01:02:14,479
Speaker 1: the dynamic as opposed to having one eloquent speaker, because

1210
01:02:14,480 --> 01:02:17,160
Speaker 1: like I said, we've had great speakers, we've had great leadership,

1211
01:02:17,680 --> 01:02:23,120
Speaker 1: it hasn't really helped, though I agree to a certain degree.

1212
01:02:23,360 --> 01:02:29,560
Speaker 1: I think, uh, to a certain degree. Yeah, if you

1213
01:02:29,640 --> 01:02:31,480
Speaker 1: have that one person, like I said, and we've seen

1214
01:02:31,760 --> 01:02:34,560
Speaker 1: those leaders pretty much everybody that his name being killed

1215
01:02:35,080 --> 01:02:39,200
Speaker 1: right now, who's next? Because it's the dysfunction amongst the rings,

1216
01:02:39,240 --> 01:02:41,040
Speaker 1: like I should be the next person or you should

1217
01:02:41,040 --> 01:02:43,320
Speaker 1: be the next person, and then it'll be the same thing.

1218
01:02:43,360 --> 01:02:46,000
Speaker 1: That's why if you if you spread it out like

1219
01:02:46,160 --> 01:02:48,480
Speaker 1: you're gonna be great at this, like you, you'll leading necks.

1220
01:02:48,480 --> 01:02:50,360
Speaker 1: If we all come together with that form of leadership

1221
01:02:50,360 --> 01:02:52,800
Speaker 1: and everybody leads and take self accountability like you said,

1222
01:02:52,880 --> 01:02:56,040
Speaker 1: in responsibility, If everybody leads from where they are, now

1223
01:02:56,120 --> 01:03:00,160
Speaker 1: you have a united front. That's different. Yeah. I mean

1224
01:03:00,240 --> 01:03:03,160
Speaker 1: we still have a president in a free country, so

1225
01:03:03,200 --> 01:03:06,120
Speaker 1: I think leadership is you still need a spokesperson. But

1226
01:03:06,200 --> 01:03:11,840
Speaker 1: I mean we we got agree to No, I think

1227
01:03:11,880 --> 01:03:17,160
Speaker 1: you see the thing about your leisure and organizations like you,

1228
01:03:17,360 --> 01:03:20,160
Speaker 1: and foundations like you, and universities like you, and podcasts

1229
01:03:20,160 --> 01:03:23,960
Speaker 1: like you and events that everything that you're doing, you're

1230
01:03:24,000 --> 01:03:27,120
Speaker 1: representing leadership in our community. That, like I said, the

1231
01:03:27,160 --> 01:03:30,760
Speaker 1: ripple effect is never ending. I can't be more appreciative

1232
01:03:30,800 --> 01:03:34,800
Speaker 1: for what you guys do for appreciation, I'm just all

1233
01:03:35,000 --> 01:03:37,560
Speaker 1: anybody that has access to you, I think is just

1234
01:03:37,600 --> 01:03:42,280
Speaker 1: forever should be grateful for you. Guys. I'm gonna have

1235
01:03:42,360 --> 01:03:52,640
Speaker 1: a spokesperson you so you want to know you don't know. Um,

1236
01:03:52,680 --> 01:03:55,400
Speaker 1: I'm gonna throw it back to my favorite artists of

1237
01:03:55,440 --> 01:04:01,120
Speaker 1: all times. Definitely not Kanye, but I do love Kanye.

1238
01:04:01,240 --> 01:04:09,600
Speaker 1: Don't know his interviews going up. It's jay Z all day.

1239
01:04:09,680 --> 01:04:12,400
Speaker 1: But I like I like j for a multitude of reasons.

1240
01:04:12,520 --> 01:04:16,439
Speaker 1: He speaks both languages, the way he his perspective is uh,

1241
01:04:16,480 --> 01:04:18,200
Speaker 1: he can be in the room with the whites, black,

1242
01:04:18,240 --> 01:04:22,120
Speaker 1: su Puerto Ricans, whoever. Um. I think he speaks both

1243
01:04:22,200 --> 01:04:29,280
Speaker 1: languages and his perspective death is there um. And I

1244
01:04:29,280 --> 01:04:34,560
Speaker 1: feel like he uses his power two to bridge the gap,

1245
01:04:34,760 --> 01:04:36,720
Speaker 1: bridge the hatred, you know, even what he did with

1246
01:04:36,720 --> 01:04:38,600
Speaker 1: the NFL and all that. So if I had to

1247
01:04:38,640 --> 01:04:41,920
Speaker 1: choose someone that like within range, it doesn't sound like

1248
01:04:41,960 --> 01:04:45,360
Speaker 1: your typical prospect, but I would say I would choose him.

1249
01:04:45,560 --> 01:04:47,480
Speaker 1: I mean, yeah, jay Z definitely. You know, he's an

1250
01:04:47,560 --> 01:04:49,760
Speaker 1: portant person. He's not really an outspoken person, though he

1251
01:04:49,800 --> 01:04:51,520
Speaker 1: does most of his stuff behind the scenes. He's more

1252
01:04:51,560 --> 01:04:53,640
Speaker 1: of an int So I don't know if he would

1253
01:04:53,640 --> 01:04:55,800
Speaker 1: be a good spokesperson because he don't likes to speech,

1254
01:04:56,000 --> 01:04:58,480
Speaker 1: But a spokesperson could be the person that does the deal.

1255
01:04:58,600 --> 01:05:01,360
Speaker 1: Like you know, like I traditionally like being the face

1256
01:05:01,400 --> 01:05:02,840
Speaker 1: of my brand. This is the first time I ever

1257
01:05:02,840 --> 01:05:04,560
Speaker 1: said I want to be the face of my brand.

1258
01:05:05,120 --> 01:05:08,760
Speaker 1: But whether you making power plays or not, like he's he,

1259
01:05:09,120 --> 01:05:12,320
Speaker 1: I feel like he has the power. Like we collectively

1260
01:05:12,320 --> 01:05:15,520
Speaker 1: as a community or making most we're everybody in their

1261
01:05:15,520 --> 01:05:19,040
Speaker 1: own community. There's always somebody that's trying to impact and

1262
01:05:19,440 --> 01:05:21,360
Speaker 1: move the needle for it, and that's why we've been

1263
01:05:21,400 --> 01:05:23,280
Speaker 1: able to get as far as we happen. But when

1264
01:05:23,320 --> 01:05:26,680
Speaker 1: I think a spokesperson, I think Jay could handle it.

1265
01:05:27,560 --> 01:05:29,960
Speaker 1: And it's not just because you only my favorite artists

1266
01:05:30,320 --> 01:05:34,440
Speaker 1: somethings partly, but but truth be told, I feel like

1267
01:05:34,520 --> 01:05:36,640
Speaker 1: I've watched the way he moved, and there's been plenty

1268
01:05:36,680 --> 01:05:38,800
Speaker 1: of times, not only even with his records, where I've

1269
01:05:38,800 --> 01:05:44,640
Speaker 1: been like and it later been like, see Shot, that's

1270
01:05:44,720 --> 01:05:48,000
Speaker 1: That's one of my favorite artists as well. So, but

1271
01:05:48,720 --> 01:05:51,560
Speaker 1: obviously I'm not gonna get a spokesperson out of you, guys.

1272
01:05:52,760 --> 01:05:55,479
Speaker 1: I tried really hard. I tried really hard, But thank

1273
01:05:55,480 --> 01:05:59,240
Speaker 1: you so much for coming out, feeding me and feeding

1274
01:05:59,240 --> 01:06:03,000
Speaker 1: the team. I enjoyed the tuna sandwich and the bagel

1275
01:06:03,080 --> 01:06:06,760
Speaker 1: pizza and now officially know how to make pizza. Um.

1276
01:06:06,760 --> 01:06:10,080
Speaker 1: Thank you, guys, Thank you, thank you for having appreciate it.

1277
01:06:12,000 --> 01:06:14,400
Speaker 1: For more eating while broke from I Heart Radio and

1278
01:06:14,440 --> 01:06:18,000
Speaker 1: The Black Effect, visit the I Heart Radio app, Apple podcast,

1279
01:06:18,160 --> 01:06:20,080
Speaker 1: or wherever you listen to your favorite shows,