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Speaker 1: Hey, y'all, faris Rucker here.

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Speaker 2: You know a lot of people ask me what inspires

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Speaker 2: your music, and one of the big things is a

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Speaker 2: strong sense of place. That's why I love my home

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Speaker 2: states of South Carolina and want to share the awesome

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Speaker 2: things that has to offer, from the beautiful mountains down

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Speaker 2: to the sunny coast. It's got it all, not to

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Speaker 2: mention two of my personal favorites, great golf and amazing food.

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Speaker 2: Come see why I love this place. Visit discover south

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Speaker 2: Carolina dot com.

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Speaker 3: Damn you did sell all.

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Speaker 4: Right, welcome back, Earn you Alsia Episode nineteen, almost twenty

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Speaker 4: weeks in.

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Speaker 5: It was all a dream? Is this?

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Speaker 3: This is crazy? This is crazy.

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Speaker 4: Now we want to thank you guys for rocking with us,

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Speaker 4: for supporting us. You know, it's it's been a tremendous journey.

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Speaker 4: Hell of arrived, man, and it just started. That's the

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Speaker 4: best part. So I'm gonna jump right into We got

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Speaker 4: an extremely special guest today once again, somebody that so

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Speaker 4: we if you listen to the podcast, you know we

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Speaker 4: interviewed Al Harrington.

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Speaker 3: Right.

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Speaker 4: Al Harrington was somebody that we wrote a post about

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Speaker 4: and then from that post, he you know, engaged with

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Speaker 4: us and then we we we reached out to him

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Speaker 4: and we went to l A and we actually had

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Speaker 4: a conversation with him right on the podcast. So once

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Speaker 4: again similar situation.

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Speaker 5: Right, you want to get the backstart the power.

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Speaker 6: Yeah.

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Speaker 7: Yeah, So this is this is the you know, uh,

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Speaker 7: standard procedure for us is like, I'll read articles at

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Speaker 7: five thirty in the morning. I think we spoke about

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Speaker 7: that on when we were with Q and I'll go

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Speaker 7: through articles and I'll find, you know, things that are

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Speaker 7: very interesting and i think would relate on our page.

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Speaker 7: And I came across this article about Brandon Copeland and

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Speaker 7: I'm like, wait, wow, this guy's amazing.

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Speaker 5: And literally as I'm reading it, there's a special on

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Speaker 5: Sports Center.

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Speaker 7: And I'm like, oh, no, no, no, this guy is

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Speaker 7: on the same path as us. We have to meet

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Speaker 7: this guy. We have to talk to this guy. And

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Speaker 7: said it to you like five thirty in the morning.

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Speaker 7: I know you're sleeping, but I'm like, he has to

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Speaker 7: see this. And as soon as you woke up, you

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Speaker 7: put the post up and the traction was crazy.

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Speaker 3: Yeah, it was one of our biggest posts.

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Speaker 4: So Brandon Coplan, if you're not familiar, he plays for

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Speaker 4: the Jets.

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Speaker 3: But that's the only part of his story. He is

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Speaker 3: a U.

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Speaker 4: Penn graduate, if anybody's not familiar, Upinn has one of

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Speaker 4: the best business business schools in the world, the Wharton

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Speaker 4: School of Business. So that's you know, separates him from

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Speaker 4: a lot of NFL players. But also he works on

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Speaker 4: Wall Street during the off season. He has a real

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Speaker 4: estate investment company, and he actually is a college professor

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Speaker 4: at Warton. So when I was reading his story, I'm like,

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Speaker 4: this is crazy, Like you know what I mean, Like

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Speaker 4: we highlight bad things with you know, people make mistakes

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Speaker 4: in any realm, but it seems like athletes always get

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Speaker 4: highlighted the most, right anytime that this is domestic violence,

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Speaker 4: anything like that happens. So it's like we need to

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Speaker 4: highlight this like this this is just a dope story.

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Speaker 4: So I put the story out and once again I

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Speaker 4: put in this story, I'm like, y'all would love to

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Speaker 4: connect with you, and he.

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Speaker 3: Was like, yeah, let's connect. So I was like what.

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Speaker 4: So I shot with DM and we worked it out

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Speaker 4: via you know, emails, and now we hate on our podcast. So,

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Speaker 4: like you said, power social media, social media. So first

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Speaker 4: of almost thank you, thank.

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Speaker 6: You pleasure to be here, pleasure to be with y'all.

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Speaker 6: I love what y'all are doing.

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Speaker 3: Man, We're gonna jump right into it.

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Speaker 4: So all right, So the theme of our show is

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Speaker 4: the backstory the financial side of sports entertainment business as well.

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Speaker 4: But we we really focus on sports entertainment a lot

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Speaker 4: because we feel like, especially in our culture, people don't

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Speaker 4: fully understand what goes on behind the scenes, right, Like

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Speaker 4: everybody wants to be in the NBA, NFL or sell

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Speaker 4: a million records, but they don't understand that these are businesses, right,

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Speaker 4: It's sports business, the music business, the entertainment business.

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Speaker 1: Right.

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Speaker 5: That part gets left off the title.

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Speaker 3: It always does. It always does, it always does.

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Speaker 4: So you have a very interesting story, and we was

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Speaker 4: reading it, you know, the last couple of days. So

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Speaker 4: you said your first contract, correct me if I'm wrong.

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Speaker 4: You made your contract with from one point two million. Yeah,

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Speaker 4: I was good, But now you have like thirty five

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Speaker 4: forty thousand. Yeah, So yeah, can we just kind of

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Speaker 4: break that down because to me, it's interesting as far

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Speaker 4: as like NFL players, because you have an off season,

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Speaker 4: so a lot of people don't aren't familiar, like do

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Speaker 4: you get paid on the off season or how frequent

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Speaker 4: do you get paid. And then there's a thing called

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Speaker 4: the jock tax when you go to different states and

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Speaker 4: you get taxed differently. It's not all so yeah, can

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Speaker 4: you kind of just break that down?

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Speaker 6: Yeah, man, there's layers to that, layers. So yeah, So

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Speaker 6: the way I think of the NFL is nothing is

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Speaker 6: guarantee he unless you have certain stipulations within your contract

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Speaker 6: and all that type of stuff.

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Speaker 1: Right, So if you're one of those players, which is you.

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Speaker 6: Know, more players are seeing that, that's a great thing

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Speaker 6: and a blessing to have. But when you see these

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Speaker 6: big contracts, you know, Russell Wilson one hundred and forty million,

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Speaker 6: I can't remember how much guaranteed, maybe sixty five or

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Speaker 6: something sixty quaranteed, right, that's what he can bank on, right,

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Speaker 6: you see the big number. But if Russell Wilson gets

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Speaker 6: hurt in year four, year five, whatever, right, he's not

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Speaker 6: seeing the rest of that money potentially. So that's different

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Speaker 6: from basketball. That's different from baseball and other sports. So

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Speaker 6: as I entered the league in twenty thirteen, I was

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Speaker 6: undrafted out of University of Pennsylvania.

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Speaker 1: I remember the Baltimore.

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Speaker 6: Ravens called me my hometown team. I'm like, man, seek

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Speaker 6: to be quite honest with you, I was pissed off, right,

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Speaker 6: Not because I was pissed off that I didn't get drafted.

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Speaker 6: That was really what it was, right, and it just

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Speaker 6: had a big chip on my shoulder. So for me,

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Speaker 6: I've been fortunate to just have this lens on life

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Speaker 6: and perspective where I'm not really a fan of too

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Speaker 6: much or anyone. So I remember, as a rookie enter

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Speaker 6: in the locker room, and this is my hometown team.

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Speaker 6: These are the guys I looked up to growing up,

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Speaker 6: and I remember this is fresh off of Super Bowl,

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Speaker 6: Fresh off of Super Bowl. I remember, actually, you know what,

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Speaker 6: the perfect story that might describe me. As my agent

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Speaker 6: at the time, he took us out right before the draft,

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Speaker 6: took us out in New York to some club up

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Speaker 6: there to just celebrate that night before the draft of

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Speaker 6: like all the work you put in and all that

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Speaker 6: type of stuff. And I remember, you know, like I said,

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Speaker 6: I grew up in Baltimore, that purple and black, you know.

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Speaker 6: I remember being in the house and seeing them, you know,

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Speaker 6: win the Super Bowl and bragging all my roommates and

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Speaker 6: all that type of stuff, wearing that with pride and

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Speaker 6: in the club. That for me was like my introduction

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Speaker 6: to the NFL, even though I wasn't even in it

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Speaker 6: at the time. But you had all of these different

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Speaker 6: That was when the draft was still in New York,

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Speaker 6: so you had all these different rappers and in different sections.

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Speaker 6: My agent had gotten us a section. I wasn't spending anyone.

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Speaker 1: My agent got as a section.

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Speaker 6: And the other guys there where you had Adrian Peterson

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Speaker 6: with a section, Ludacris across the way g Z, and

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Speaker 6: there was ray Rice, and I remember Ray Rice walked

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Speaker 6: up and I remember speaking to him and I'm like, yo,

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Speaker 6: I just want to say, you know, you really put

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Speaker 6: on for the city. That was amazing what y'all did. Man, Like,

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Speaker 6: I appreciate you, respect you. But a couple of days

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Speaker 6: like I'm gonna be in the NFL.

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Speaker 3: Too, so.

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Speaker 6: Ain't none of that fan the war right, like we competition, right,

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Speaker 6: But before that, I want to tell you how much

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Speaker 6: I respect you. So anyway, I say all that to

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Speaker 6: say a few days later, I get the call go

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Speaker 6: to the Ravens. Had that chip on my shoulder. But

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Speaker 6: the weird thing about the NFL is like I said,

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Speaker 6: I keep it. I've been blessed to be able to

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Speaker 6: keep things in a perspective and understand that, Okay, I

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Speaker 6: just got this call that says, hey, you're get a

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Speaker 6: chance to sign up and you're a Baltimore Raven. Now, no,

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Speaker 6: I'm not right, Like, there's still another step to actually

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Speaker 6: make the fifty three or to make practice squad whatever.

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Speaker 1: Right.

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Speaker 6: Sadly, there's a lot of guys who are like, oh,

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Speaker 6: I'm in it. No, right, Like the next week you

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Speaker 6: might be cut, or after this rookie mini camp you

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Speaker 6: might be cut. Right, So at that time, again, like

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Speaker 6: I said, I signed a three year, one point two

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Speaker 6: million dollar deal. However I got cut going into the

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Speaker 6: actual season, made it all through preseason and all that stuff,

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Speaker 6: got cut going into the actual season, and that jumped

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Speaker 6: my money down to a practice squad guy. After four weeks,

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Speaker 6: I got cut from Baltimore, So I really got four

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Speaker 6: weeks of pay. And then again, I mean there were

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Speaker 6: guys who got cut in the middle of training camp.

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Speaker 6: There's guys who got cut after three days.

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Speaker 7: So that there's a process after you get drafted, right,

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Speaker 7: because that's even a little confusing, Right, there's OTAs that

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Speaker 7: you have to make the tap. Then there is training

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Speaker 7: camp that you have to make the team. Then you

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Speaker 7: got four preseason game yeah, and so trying to make

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Speaker 7: the team.

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Speaker 5: Right.

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Speaker 6: So the way I would think of it is you're

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Speaker 6: never really on the team. You know, depending on who

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Speaker 6: you are, you're never really on the team. Like I

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Speaker 6: even joke with my students this semester and even right

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Speaker 6: right now, like I could get this phone, go start ringing,

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Speaker 6: Nigga call be like listen code, like did you bring

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Speaker 6: your iPad up here? Like we were going in a

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Speaker 6: different route, right, And that's just the nature of the beast. So,

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Speaker 6: like you said, every single day, I mean they always

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Speaker 6: say that every day is an interview, but like literally,

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Speaker 6: like I think people don't understand that. Again, depending on

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Speaker 6: who you are, right your first round, second round, you

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Speaker 6: probably are guaranteed that first year, right, But that doesn't

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Speaker 6: mean you're guaranteed three years from now, four years from now, right,

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Speaker 6: And that's you. You just hope and pray that young

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Speaker 6: guys come in and understand that. And me, fortunately I

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Speaker 6: understood it. It was what motivated me to want to be

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Speaker 6: great and make the team and still be here seven

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Speaker 6: years later, right, But for a lot of guys, Like

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Speaker 6: I remember rookie years, some guys would go to this

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Speaker 6: mall across the street from our hotel, and I remember

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Speaker 6: getting on Snapchat. Snap was like big at the time,

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Speaker 6: and getting on there and they literally walking in there

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Speaker 6: selfie videos stunting like we're about to census SAG And

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Speaker 6: I'm like, bro, y'all all making the same thing I'm

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Speaker 6: making right now, which is like like maybe one hundred

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Speaker 6: and fifty bucks after all.

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Speaker 4: Right, so you had a one point two million dollar contract,

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Speaker 4: but then you four weeks in, you got demoted to

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Speaker 4: practice team right.

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Speaker 6: Now, so you get drafted or undrafted in the spring.

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Speaker 6: So like our rookies just showed up this weekend. So

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Speaker 6: where we may whatever we are right now, we train, train, training,

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Speaker 6: you can be there's guys being cut, there's guys being signed.

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Speaker 6: That entire time, like that roster is fluctuating. And then

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Speaker 6: by the time you get the training camp, you start

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Speaker 6: training camp in late July with ninety guys on the roster,

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Speaker 6: that roster fluctuates a bit, and then by the end

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Speaker 6: of August beginning of September, that roster cuts down to

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Speaker 6: fifty three and then on top of that fifty three

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Speaker 6: you have ten practice squad guys. I made it from

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Speaker 6: that May all the way through to August. I got cut,

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Speaker 6: became one of those practice squad guys where your salary

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Speaker 6: goes from a minimum of like four hundred thirty thousand

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Speaker 6: to one hundred thousand. And then four weeks later, four

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Speaker 6: weeks into the season, that's when I got released from

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Speaker 6: the team.

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Speaker 5: And that's in Baltimore.

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Speaker 6: That's in Baltimore.

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Speaker 3: So none of that one point two million was guaranteed.

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Speaker 3: None of it, not.

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Speaker 5: Even I wish it looks good on paper.

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Speaker 6: Though it looks good, it sounds good. So there's also

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Speaker 6: that that's the problem that that that you see that

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Speaker 6: headline and then the vultures come get your right family.

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Speaker 5: Because now it's like on paper, look he's a millionaire.

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Speaker 3: Yeah yeah, but that's interesting.

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Speaker 4: I think people don't fully understand that, Like I can't

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Speaker 4: drive that home. All right, You got a one point

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Speaker 4: two million dollar contract. None of it was guaranteed. You

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Speaker 4: probably netted. How much you net probably probably like thirty

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Speaker 4: maybe that's.

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Speaker 3: How much you made from the.

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Speaker 6: Baltimore Ravens, Probably like thirty. Because in the spring I

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Speaker 6: made money in the spring, so like right now, you

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Speaker 6: might be making what maybe a couple hundred a week

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Speaker 6: because they take your your hotel and stuff that's the

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Speaker 6: team doesn't cover it. They cover it, but it's coming

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Speaker 6: out of your dam type of thing. I cover it,

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Speaker 6: but you just don't know, you know, you don't really

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Speaker 6: have a yeah anyway, so you're making maybe a few

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Speaker 6: hundred a week, and they cover your meals and all

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Speaker 6: that stuff on the weekend, so you don't really have

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Speaker 6: too many expenses. But then as you get to preseason,

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Speaker 6: now you're making I want to say, seven hundred a

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Speaker 6: week before taxes.

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Speaker 3: So.

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Speaker 6: You know, and that's what maybe five to six weeks,

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Speaker 6: so you really like four you know, who knows what

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Speaker 6: that is? Four hundred a week after all dollars done.

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Speaker 6: Dollars yeah, dollars yeah. And then once the season hits.

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Speaker 6: As a practice squad guy, I was making I was

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Speaker 6: seeing about four k after taxes. I think my check

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Speaker 6: was like seven thousand, seventy five hundred per week before,

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Speaker 6: so about four thousand after and less did that for

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Speaker 6: four weeks, so that's about sixteen right there. So I

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Speaker 6: probably made a little less than thirty from the Baltimore

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Speaker 6: Raisins and then two weeks later I got cut week four.

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Speaker 6: Two weeks later, I got picked up by the Tennessee

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Speaker 6: Titans practice squad with them for a bunch of weeks.

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Speaker 6: I got cut by them. A lot of people don't

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Speaker 6: know this too. It's like in my family, they understand.

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Speaker 6: And it's so funny that so at Tuesday at four

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Speaker 6: pm Eastern is when your money is guaranteed for the week.

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Speaker 6: So for me and the way that my career has been,

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Speaker 6: and I'm not superstitious, but I just I have certain things.

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Speaker 1: I have my routine. My family knew.

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Speaker 6: Don't call me Tuesday after four pm Eastern, right, So,

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Speaker 6: and where's that come from? Like I've been cut at

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Speaker 6: three fifty six pm Eastern wild, right.

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Speaker 3: So you don't get paid, don't get paid.

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Speaker 6: So if you get cut at four h one pm,

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Speaker 6: I'm paid for that week if I don't. So when

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Speaker 6: I was in Baltimore, they cut me on Wednesday morning

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Speaker 6: because they were like, had were planning on bringing you back,

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Speaker 6: you know, to showing good faith you, you know, we

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Speaker 6: we like you, all that type of stuff. We just

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Speaker 6: need to make some other roster changes. Blah blah, blah blah.

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Speaker 6: So you know, take the time off, you know, go work,

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Speaker 6: stay stay in shape, but we'll bring you back this week.

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Speaker 6: Then still waiting on that. But then Tennessee one time,

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Speaker 6: these dudes, man, I uh, it's funny. I went and

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Speaker 6: did like a whole charity out event for him. I went,

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Speaker 6: we went to a high school and uh, you know,

305
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Speaker 6: Tennessee Titans jerseys and all that type of stuff. And

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Speaker 6: on the way not on the way back. Later on

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Speaker 6: that evening, I had some rehabs set up a massage

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Speaker 6: appointment and it's three fifty six. I get the call.

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Speaker 6: I'm like this random Tennessee number, pick up the phone

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Speaker 6: and man, we need you to bring in your Oh man,

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Speaker 6: y'all knew this before you send me on the event.

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Speaker 4: The whole they sent you on, the whole charity thing

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Speaker 4: and all that, And then they waited for minutes before

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Speaker 4: the deadline of country.

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Speaker 3: So you don't get paid for the week minutes?

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Speaker 5: What about the massage? You have to cancel it another.

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Speaker 6: To be quite honest with you, I told myself, I

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Speaker 6: was like, I probably should cancer because I don't know

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Speaker 6: when that next check you comes right right? You know what?

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Speaker 1: Hey, man, you gotta.

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Speaker 6: I probably need it right now, you know, I probably

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Speaker 6: need to just relax. So uh so yeah, so my

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Speaker 6: family literally they would know, don't call me on Tuesday.

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Speaker 6: So literally at four to one, so years later, four

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Speaker 6: one pm. Whenever I was good, I'd send them a

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Speaker 6: bunch of gifts, a bunch of money, we count making

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Speaker 6: it range and all that type of stuff. And then

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Speaker 6: after you get to year five, uh, once that ball

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Speaker 6: is kicked off in your first in the FO game,

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Speaker 6: then you're guaranteed your salary for the whole year. So

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Speaker 6: like last year, that veterans veteran, so last year was

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Speaker 6: my first year having that. So after that first game,

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Speaker 6: I just sent them like six to you know, sixteen

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Speaker 6: different ones. But it's it's a lot of that goes

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Speaker 6: into it, basically, you know, with what you're getting at

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Speaker 6: is there's a lot that goes into it that people

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Speaker 6: don't think about. They don't understand. Yes, you see that

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Speaker 6: big contract, you see that big number, and that is great, right,

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Speaker 6: but what are you really getting from that one? You

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Speaker 6: got a fifty percent of it gone off.

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Speaker 4: The talk about that because a lot of people don't

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Speaker 4: fully understand how taxes work, right, and they're.

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Speaker 3: Like, well, you should, you should set up corporation.

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Speaker 4: Like their employees, they get paid, it's like how you

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Speaker 4: get paid, right, so they don't have opportunity to defer

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Speaker 4: the income.

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Speaker 3: It's it's not an.

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Speaker 6: Option, right, your boss ain't going for that exactly.

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Speaker 4: So I because social media a lot of times people

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Speaker 4: write that like, well they if they were smart, Like, no,

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Speaker 4: it doesn't work like that, just like if you were smart,

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Speaker 4: you were doing that, right, No, you don't have that option.

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Speaker 4: So automatically fifty because you know how you tax. Automatically,

354
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Speaker 4: fifty percent goes to tax gone off the red. Depending

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Speaker 4: on what state you're in, it's even higher. Right then

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Speaker 4: it's stay taxed. They take that out of your paycheck

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Speaker 4: every time you get paid in that in that.

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Speaker 6: Particular Yep, yep, they'll do that. Uh Like if you so,

359
00:18:05,800 --> 00:18:07,919
Speaker 6: if you're playing in California, so you look at the schedule,

360
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Speaker 6: you're like, dangn I got three games in California, right

361
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Speaker 6: West coast trip that you know you get taxed at

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Speaker 6: that California rates thirteen percent.

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Speaker 4: And it's crazy because Rod Smith shout out to Rod Smith,

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Speaker 4: He's he's been a loyal follow up from the beginning

365
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Speaker 4: and anybody has a no Rod Smith, he's a Hall

366
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Speaker 4: of Famer.

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Speaker 5: Rint not yet but a legend, legend. And dev Den

368
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Speaker 5: Dever Broncos wide receiver Denver legend.

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Speaker 4: So I put a post up a while ago and

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Speaker 4: me and him he was common and he was like, yeah, well,

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Speaker 4: people don't realize it's that all right. California has the

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Speaker 4: highest state tax in the country, right, like thirteen percent,

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Speaker 4: like you said. But let's say you've played it in

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Speaker 4: for Miami Dolphins Florida, right, which Florida has no state

375
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Speaker 4: income tax, right, So what happens is that you might

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Speaker 4: practice in Florida from Monday to let's say Thursday, right,

377
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Speaker 4: fly when you fly off on a Sunday game Saturday Saturday,

378
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Speaker 4: So you practice from Monday is Saturday in Florida, you

379
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Speaker 4: are in Florida. You're in California for Saturday and Sunday

380
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Speaker 4: maybe like Monday morning early. So you only spent two

381
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Speaker 4: days in California, but the whole week is taxed in

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Speaker 4: California because that's where you played the game.

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Speaker 8: Man.

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Speaker 4: So even though you prepared, like only spend forty eight

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Speaker 4: hours in that particular state and you practiced in the

386
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Speaker 4: state that you actually live in. But it doesn't matter.

387
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Speaker 4: You played that game in that space for the whole week.

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Speaker 4: The whole week's paycheck is taxed in California.

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Speaker 5: Yeah, so you guys played Jersey state tax or is

390
00:19:32,359 --> 00:19:34,920
Speaker 5: it right? That's what it got played?

391
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Speaker 6: Yeah, okay, but I wouldn't be surprised New York trying

392
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Speaker 6: to take a little bit of that.

393
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Speaker 5: I'm thinking like.

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Speaker 1: New York, but I wouldn't be surprised.

395
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Speaker 6: Trust me, I'd have seen a lot I've seen, like

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Speaker 6: you said, every so when we play a team in Texas,

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Speaker 6: it's like, okay, cool, right, London games, London international taxes,

398
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Speaker 6: they cost a bit too, right, Florida teams you know,

399
00:20:00,320 --> 00:20:02,359
Speaker 6: you see Miami or Tampa ballion schedule.

400
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Speaker 1: You're likes Tennessee, you know cool?

401
00:20:06,359 --> 00:20:09,520
Speaker 6: Another thing you know a few years ago, there was

402
00:20:09,560 --> 00:20:12,000
Speaker 6: a guy in the locker room when I was in Detroit. Detroit,

403
00:20:12,119 --> 00:20:14,359
Speaker 6: they have the city tax and the state tax, so

404
00:20:14,400 --> 00:20:16,159
Speaker 6: they'll tax you in Michigan and then they'll tax you

405
00:20:16,200 --> 00:20:22,120
Speaker 6: in Detroit. Now, when we so, one guy got very

406
00:20:22,280 --> 00:20:25,960
Speaker 6: very smart. His financial advisor accountant got very very smart

407
00:20:26,040 --> 00:20:28,480
Speaker 6: with it. Because again, like you said, if you guys

408
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Speaker 6: are want to play the game with me of like, okay, hey,

409
00:20:30,560 --> 00:20:34,840
Speaker 6: I'm only here for twenty four hours. You know, sometimes

410
00:20:34,880 --> 00:20:37,000
Speaker 6: we fly in at five pm, we out the next

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00:20:37,119 --> 00:20:39,720
Speaker 6: day at five pm after the game kickoffs at one.

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Speaker 1: You know, I'm only here for twenty four hours. You're

413
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Speaker 1: gonna tax me for the whole week.

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Speaker 6: I remember. His issue was Detroit was taking tax every

415
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Speaker 6: single week as if we trained.

416
00:20:52,320 --> 00:20:54,239
Speaker 1: There, played there, and all that stuff, like we were

417
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Speaker 1: there for the whole week.

418
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Speaker 6: So when when we played with the Lions, the our

419
00:20:58,040 --> 00:21:03,680
Speaker 6: facilities in Allen Park, the stadium is in Detroit, Michigan.

420
00:21:03,920 --> 00:21:06,640
Speaker 6: It's like a twenty minute ride. But Detroit was trying

421
00:21:06,680 --> 00:21:09,680
Speaker 6: to take taxes as if you were there every single play,

422
00:21:09,800 --> 00:21:13,320
Speaker 6: because they'll actually literally break down the days and be like, well,

423
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Speaker 6: you know you were here one hundred and such and

424
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Speaker 6: such days. So he was like, no, okay, I'm actually

425
00:21:19,200 --> 00:21:23,520
Speaker 6: only there out of the what eight home games. I'm

426
00:21:23,560 --> 00:21:25,960
Speaker 6: there Saturday night when we stay at the team hotel,

427
00:21:26,040 --> 00:21:29,439
Speaker 6: and I'm there Sunday when we played. So them one

428
00:21:29,480 --> 00:21:31,919
Speaker 6: hundred eighty days, now you got sixteen of them, right,

429
00:21:32,080 --> 00:21:34,520
Speaker 6: And so he ended up going back and getting some

430
00:21:34,600 --> 00:21:35,800
Speaker 6: money from Detroit on that.

431
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Speaker 7: So the interesting thing is like the way your mind's

432
00:21:38,800 --> 00:21:40,800
Speaker 7: working right now. You're like, if I'm play in Texas, right,

433
00:21:40,800 --> 00:21:42,680
Speaker 7: if I'm playing the Cowboys or the Texans, I know

434
00:21:42,720 --> 00:21:45,840
Speaker 7: there's no state tex How many of your counterparts have

435
00:21:46,000 --> 00:21:46,760
Speaker 7: that same mind frame?

436
00:21:46,880 --> 00:21:48,359
Speaker 6: I think a lot due, I think a lot do

437
00:21:48,480 --> 00:21:52,760
Speaker 6: because I mean, at that point, you're talking about thousands, right,

438
00:21:53,960 --> 00:21:55,920
Speaker 6: Like you're not talking about like you're talking about the

439
00:21:55,960 --> 00:21:58,280
Speaker 6: difference in you know, depending on what you're making. You're

440
00:21:58,280 --> 00:22:01,159
Speaker 6: talking about the difference in like sixth at your grand

441
00:22:02,400 --> 00:22:05,639
Speaker 6: by playing somewhere else versus you.

442
00:22:05,680 --> 00:22:08,119
Speaker 1: Know, I mean some guys, I mean the way they

443
00:22:08,160 --> 00:22:08,960
Speaker 1: get paid some guys.

444
00:22:09,000 --> 00:22:12,399
Speaker 6: You're talking a good fifteen twenty grand difference, right, So

445
00:22:12,480 --> 00:22:16,800
Speaker 6: guys are thinking about it again, you know, not to

446
00:22:17,119 --> 00:22:19,480
Speaker 6: take up all y'all time, but there's different things that

447
00:22:19,920 --> 00:22:23,639
Speaker 6: people out there just don't understand, like the fact of

448
00:22:23,800 --> 00:22:27,720
Speaker 6: like you have to have multiple places of residency, see right,

449
00:22:27,840 --> 00:22:31,200
Speaker 6: Like sometimes like you literally just have to. And I've

450
00:22:31,320 --> 00:22:34,080
Speaker 6: never wanted to be that guy having Like I'm a

451
00:22:34,359 --> 00:22:38,040
Speaker 6: frugal person, right, I'm cheap school.

452
00:22:37,760 --> 00:22:40,119
Speaker 1: With me, right, I have no problem. I'm proud of it.

453
00:22:40,520 --> 00:22:44,399
Speaker 6: But like I literally I have a home base here

454
00:22:44,480 --> 00:22:46,200
Speaker 6: in New Jersey with my wife and I. When I

455
00:22:46,359 --> 00:22:50,600
Speaker 6: was playing in Detroit, she works in Manhattan and she's

456
00:22:50,640 --> 00:22:53,280
Speaker 6: from here. We had home base here, so now play

457
00:22:53,320 --> 00:22:55,719
Speaker 6: with the Jets. I'm like, man, okay, like we can

458
00:22:55,880 --> 00:22:58,960
Speaker 6: just have home base like and that's the crib.

459
00:22:59,400 --> 00:22:59,879
Speaker 1: Well, guess what.

460
00:23:00,000 --> 00:23:02,760
Speaker 6: But home base for me is forty five minutes away

461
00:23:02,760 --> 00:23:05,199
Speaker 6: from here in no traffic. So if I wake up

462
00:23:05,240 --> 00:23:07,240
Speaker 6: in the morning and it's raining hard. I remember my

463
00:23:07,280 --> 00:23:10,200
Speaker 6: first day trying to come in and reporting to the Jets.

464
00:23:10,560 --> 00:23:13,680
Speaker 6: It was raining hard, and my driving from forty five

465
00:23:13,760 --> 00:23:17,040
Speaker 6: minutes no traffic and this is like six thirty in

466
00:23:17,080 --> 00:23:20,919
Speaker 6: the morning right to an hour and fifteen minutes. Now

467
00:23:21,040 --> 00:23:22,600
Speaker 6: people are like, oh, well, just wake up early and

468
00:23:22,600 --> 00:23:24,320
Speaker 6: all that type of stuff. Well, guess what if you're

469
00:23:24,400 --> 00:23:26,560
Speaker 6: late to your job, you get a slap on the risk,

470
00:23:26,680 --> 00:23:28,680
Speaker 6: right you boss. You know at a certain point you

471
00:23:28,720 --> 00:23:30,760
Speaker 6: can't keep being laid. You'll get your you get fired.

472
00:23:31,119 --> 00:23:32,960
Speaker 6: But for me, if I'm late, that's a thirteen thousand

473
00:23:33,000 --> 00:23:36,120
Speaker 6: dollars fine, right, Like that's ill.

474
00:23:36,920 --> 00:23:37,440
Speaker 1: You know what I'm saying.

475
00:23:37,920 --> 00:23:40,119
Speaker 6: I can go ahead. And so last year I had

476
00:23:40,160 --> 00:23:42,520
Speaker 6: to rent a place. I have a house forty minutes

477
00:23:42,520 --> 00:23:45,479
Speaker 6: from here, and I had I mean, some people might

478
00:23:45,520 --> 00:23:47,520
Speaker 6: be like, well you didn't have to know, Like for me,

479
00:23:48,080 --> 00:23:50,440
Speaker 6: I had to rent a place seven minutes. It's not

480
00:23:50,520 --> 00:23:52,560
Speaker 6: worth the risk, right, it's not worth the risk. It's

481
00:23:52,600 --> 00:23:55,080
Speaker 6: not worth being a few minutes late. And then also

482
00:23:55,200 --> 00:23:57,120
Speaker 6: it's just the cost of doing business, Right.

483
00:23:57,119 --> 00:23:58,960
Speaker 3: You're going travel at forty five minutes.

484
00:23:59,240 --> 00:24:02,439
Speaker 6: Yeah, minutes when I'm like I told people, it's an

485
00:24:02,440 --> 00:24:05,200
Speaker 6: investment as well, right, Like forty five minutes. That's forty

486
00:24:05,240 --> 00:24:08,000
Speaker 6: five minutes I could be working on my body getting

487
00:24:08,040 --> 00:24:10,320
Speaker 6: ready for the next week's game. That's forty five minutes

488
00:24:10,359 --> 00:24:12,840
Speaker 6: that somebody is literally watching film with Just how am

489
00:24:12,880 --> 00:24:14,560
Speaker 6: I gonna whoop Brandon coping this week?

490
00:24:14,720 --> 00:24:14,840
Speaker 5: Right?

491
00:24:15,160 --> 00:24:16,800
Speaker 6: And I need that forty five minutes to make sure

492
00:24:16,840 --> 00:24:20,120
Speaker 6: I'm prepared for him as well. So there's a bunch

493
00:24:20,160 --> 00:24:24,960
Speaker 6: of different costs. You know, Guys talk about transporting vehicles

494
00:24:25,000 --> 00:24:28,240
Speaker 6: back and forth, right, Like I live in California, but

495
00:24:28,680 --> 00:24:30,800
Speaker 6: you know, on my home base, I'm born and raised

496
00:24:30,800 --> 00:24:33,000
Speaker 6: in California. I have everything over there. But now I'm

497
00:24:33,119 --> 00:24:36,040
Speaker 6: with the Jets, Right, how's my vehicle getting back and forth?

498
00:24:36,160 --> 00:24:38,200
Speaker 6: Or am I gonna uber it every day? Am I

499
00:24:38,320 --> 00:24:40,919
Speaker 6: gonna walk every day, bike every day. What about when

500
00:24:40,960 --> 00:24:44,160
Speaker 6: it's snowy? So do I need to pay the transport

501
00:24:44,320 --> 00:24:46,200
Speaker 6: back a car back and forth? Do I need a

502
00:24:46,240 --> 00:24:47,960
Speaker 6: renting car? Do I need to buy a car? Some

503
00:24:48,119 --> 00:24:50,560
Speaker 6: of these costs that we see guys with were like,

504
00:24:50,760 --> 00:24:53,200
Speaker 6: you know, we just assumed like, oh, this guy, he's

505
00:24:53,280 --> 00:24:55,440
Speaker 6: being extra, he's doing that, you know, but some of

506
00:24:55,480 --> 00:24:57,840
Speaker 6: this stuff is just a cost of like convenience and

507
00:24:57,960 --> 00:25:01,320
Speaker 6: doing business at a high level, right, and that you know,

508
00:25:01,520 --> 00:25:04,360
Speaker 6: again it was not a woe is us, Right, I'm

509
00:25:04,440 --> 00:25:07,359
Speaker 6: thankful to have those type of problems as opposed to others.

510
00:25:07,480 --> 00:25:10,200
Speaker 6: But you know, those are costs that you just can't

511
00:25:10,920 --> 00:25:12,119
Speaker 6: escape from, all right.

512
00:25:12,280 --> 00:25:14,840
Speaker 4: So yes, so now we're going to talk about Okay,

513
00:25:14,920 --> 00:25:18,040
Speaker 4: we gave you a lot of gyms on the athletics side,

514
00:25:18,119 --> 00:25:21,439
Speaker 4: but what we like about Brandon is that he's more

515
00:25:21,480 --> 00:25:23,840
Speaker 4: than just an athlete, like Lebron says, an athlete.

516
00:25:23,920 --> 00:25:24,000
Speaker 8: Right.

517
00:25:24,600 --> 00:25:26,720
Speaker 4: So now we're going to go into the business side

518
00:25:26,720 --> 00:25:30,720
Speaker 4: of things. And but before we do that, shout out

519
00:25:30,720 --> 00:25:34,320
Speaker 4: to Baltimore. We didn't we didn't actually, So if you

520
00:25:34,400 --> 00:25:36,800
Speaker 4: listen to our podcast, you know that A we have

521
00:25:36,960 --> 00:25:40,320
Speaker 4: deep ties to Baltimore, and some of our best interviews

522
00:25:40,359 --> 00:25:43,159
Speaker 4: have been Baltimore guests. Right, we have Valentia, we had

523
00:25:43,280 --> 00:25:46,480
Speaker 4: Derek Falcon who is a restaurant owner. So now we

524
00:25:46,520 --> 00:25:49,480
Speaker 4: got Brandon too. So shout out to the DVP.

525
00:25:51,040 --> 00:25:53,320
Speaker 1: Baltimore keeps sleeping on us if you want to.

526
00:25:55,359 --> 00:25:57,720
Speaker 3: So all right, So, so can we talk real estate?

527
00:25:57,760 --> 00:26:00,720
Speaker 4: Because real estate's real trending right now and everybody wants

528
00:26:00,720 --> 00:26:03,399
Speaker 4: to be a real estate investor. So can you can

529
00:26:03,440 --> 00:26:07,520
Speaker 4: you talk about your real estate journey, your philosophy? Yeah,

530
00:26:07,560 --> 00:26:09,080
Speaker 4: can you just enlighten us as full because there's a

531
00:26:09,080 --> 00:26:10,680
Speaker 4: lot different ways how you can make money in real estate.

532
00:26:10,840 --> 00:26:15,240
Speaker 6: Yeah, that's a beautiful thing. So for me, I invested

533
00:26:16,040 --> 00:26:19,160
Speaker 6: in the stock market. I'm still invested in the stock market.

534
00:26:19,240 --> 00:26:23,120
Speaker 6: But for me, I like to I've realized as I've evolved,

535
00:26:23,240 --> 00:26:27,040
Speaker 6: is I like to have control or more control over

536
00:26:27,280 --> 00:26:29,560
Speaker 6: what I invest in as opposed to the stock market

537
00:26:29,600 --> 00:26:33,480
Speaker 6: where the president could say whatever he wants to say

538
00:26:33,520 --> 00:26:36,640
Speaker 6: and the thing is down, you know, six hundred points

539
00:26:36,720 --> 00:26:38,680
Speaker 6: or whatever. You know, Like there are certain days where

540
00:26:38,680 --> 00:26:42,359
Speaker 6: I feel like I'm made great calls on stocks, and

541
00:26:43,200 --> 00:26:47,320
Speaker 6: just because of the macro environment, everything was down and

542
00:26:47,320 --> 00:26:49,440
Speaker 6: I'm like, I have no control over this stuff. So

543
00:26:50,480 --> 00:26:54,160
Speaker 6: for me, real estate was an opportunity to have more

544
00:26:54,280 --> 00:27:00,080
Speaker 6: ownership obviously real legitimate, legitimate ownership of an asset, and

545
00:27:00,240 --> 00:27:06,000
Speaker 6: also like more ownership of the outcome because whether if

546
00:27:06,040 --> 00:27:07,960
Speaker 6: I lose money and make money whatever, like the only

547
00:27:08,000 --> 00:27:10,399
Speaker 6: person I can look at is myself, because I'm the

548
00:27:10,480 --> 00:27:15,000
Speaker 6: one pulling the trigger on everything. So I got in

549
00:27:15,080 --> 00:27:19,239
Speaker 6: to Originally, what I wanted to do was get into rentals. Uh,

550
00:27:19,680 --> 00:27:21,800
Speaker 6: you know, people always talk about the passive income and

551
00:27:21,880 --> 00:27:25,000
Speaker 6: all that type of stuff. So I remember my wife

552
00:27:25,040 --> 00:27:28,880
Speaker 6: and now we went to Temple University. We went to Penn,

553
00:27:29,359 --> 00:27:31,680
Speaker 6: but we went to Temple to look at houses and

554
00:27:31,720 --> 00:27:34,280
Speaker 6: stuff just because the market at Pen was way, wait, wait,

555
00:27:34,400 --> 00:27:38,520
Speaker 6: out of my price range. And so we just went

556
00:27:38,680 --> 00:27:41,120
Speaker 6: around looking at college dorms and all that type of stuff.

557
00:27:41,119 --> 00:27:44,080
Speaker 6: And that was our first like, let's get to understand

558
00:27:44,800 --> 00:27:47,439
Speaker 6: what's what we should be looking for as we look

559
00:27:47,520 --> 00:27:48,320
Speaker 6: through these homes.

560
00:27:48,400 --> 00:27:49,680
Speaker 3: That's North Philly, right.

561
00:27:49,800 --> 00:27:56,280
Speaker 6: Yeah, And so literally didn't act on it or move

562
00:27:56,359 --> 00:28:02,480
Speaker 6: on it for about another year until there's a Baltimore.

563
00:28:02,520 --> 00:28:08,320
Speaker 1: Speaking of Baltimore, there's a couple Khalil and Kiera Utah.

564
00:28:08,880 --> 00:28:10,439
Speaker 1: They run this.

565
00:28:11,920 --> 00:28:15,119
Speaker 6: Business called and their Instagram is charm City Buyers, and

566
00:28:15,400 --> 00:28:19,640
Speaker 6: they've done a great job of sharing information and I've

567
00:28:19,680 --> 00:28:24,160
Speaker 6: been blessed to have I've been blessed to have great mentors,

568
00:28:25,000 --> 00:28:26,760
Speaker 6: and so I reached out to them. I saw what

569
00:28:26,840 --> 00:28:31,600
Speaker 6: they were doing, and they started taking me through homes

570
00:28:31,680 --> 00:28:34,000
Speaker 6: and stuff like that. We went to an auction and

571
00:28:34,080 --> 00:28:36,760
Speaker 6: all that type of stuff, and literally I was just

572
00:28:36,800 --> 00:28:39,040
Speaker 6: a fly on the wall seeing how they broke down properties,

573
00:28:39,080 --> 00:28:42,440
Speaker 6: cap rates and all that type of stuff. And finally

574
00:28:43,000 --> 00:28:45,960
Speaker 6: we were trying to invest and going on the property together.

575
00:28:46,120 --> 00:28:48,440
Speaker 6: But when you're doing that, you kind of realize, well,

576
00:28:48,520 --> 00:28:52,680
Speaker 6: like you know, on the outcome, I'm barely seeing anything,

577
00:28:52,800 --> 00:28:55,560
Speaker 6: it's not really worth it. So we ended up investing

578
00:28:55,600 --> 00:28:57,960
Speaker 6: in different ways. I just invested into their business and

579
00:28:58,600 --> 00:29:01,520
Speaker 6: they ended up buying back a whole block of properties

580
00:29:01,560 --> 00:29:04,920
Speaker 6: in Baltimore. But by doing that, it was one I

581
00:29:05,000 --> 00:29:07,760
Speaker 6: got invested in real estate that was actually my first investment.

582
00:29:08,200 --> 00:29:11,800
Speaker 1: And then two they gave me access to what they

583
00:29:11,880 --> 00:29:13,080
Speaker 1: were doing, right.

584
00:29:13,280 --> 00:29:19,440
Speaker 6: Pictures, videos, just learning from that standpoint at a certain point,

585
00:29:19,560 --> 00:29:22,640
Speaker 6: Like for me, I'm a quick learner and a quick

586
00:29:23,160 --> 00:29:25,760
Speaker 6: like once I'm into something. One once you invest and

587
00:29:25,880 --> 00:29:28,480
Speaker 6: you care more about it. But then two, once I'm

588
00:29:28,520 --> 00:29:32,440
Speaker 6: into something I like, I jump off the cliff sometimes,

589
00:29:33,720 --> 00:29:37,040
Speaker 6: especially when I'm really passionate about stuff. So after that,

590
00:29:37,600 --> 00:29:40,560
Speaker 6: then I went being out in Detroit, I'm like, okay,

591
00:29:40,760 --> 00:29:45,520
Speaker 6: so before I buy rental units, right, because I look

592
00:29:45,560 --> 00:29:48,000
Speaker 6: at that as marriage, right, Like I'm with this house

593
00:29:48,120 --> 00:29:51,240
Speaker 6: for a long time for life. Right, you can sell it,

594
00:29:51,320 --> 00:29:53,360
Speaker 6: you can get rid of it, but for me, like

595
00:29:54,000 --> 00:29:56,800
Speaker 6: that's marriage as opposed to me, let me just date

596
00:29:57,120 --> 00:29:59,520
Speaker 6: for a little bit. So I was like, okay, well,

597
00:29:59,560 --> 00:30:03,840
Speaker 6: let me do some flips to learn about what goes

598
00:30:03,920 --> 00:30:07,680
Speaker 6: into rentals and buying and rehabbing stuff. So as an athlete,

599
00:30:07,760 --> 00:30:09,960
Speaker 6: one of my biggest fears and just as a person

600
00:30:10,040 --> 00:30:13,160
Speaker 6: in general, my biggest pet peeve growing up was people

601
00:30:13,240 --> 00:30:15,280
Speaker 6: thinking that they were smarter than me. Y're not not

602
00:30:15,400 --> 00:30:18,720
Speaker 6: smarter than me, but but thinking that. I was, Yeah, well,

603
00:30:18,800 --> 00:30:21,400
Speaker 6: thinking that talking to you like like you don't know

604
00:30:21,440 --> 00:30:25,320
Speaker 6: what's going on the type of thing you know. The

605
00:30:26,280 --> 00:30:29,360
Speaker 6: now is an athlete, that turns to having a fear

606
00:30:29,520 --> 00:30:32,800
Speaker 6: of people trying to take advantage of you, and you

607
00:30:32,880 --> 00:30:36,280
Speaker 6: know they do this to people all the time.

608
00:30:38,120 --> 00:30:38,560
Speaker 5: So for me.

609
00:30:38,680 --> 00:30:40,800
Speaker 1: It was like, I need to learn how much nails costs.

610
00:30:40,800 --> 00:30:42,440
Speaker 6: I need to learn how much drive all costs, how

611
00:30:42,560 --> 00:30:44,200
Speaker 6: much paint costs, all that type of stuff, so that

612
00:30:44,280 --> 00:30:47,040
Speaker 6: now when I do these bigger projects, you can't just

613
00:30:47,280 --> 00:30:49,720
Speaker 6: come to me with like, you know, hey, to paint

614
00:30:49,760 --> 00:30:51,680
Speaker 6: this hot is gonna cost eight thousand nothing bucks. Right,

615
00:30:52,480 --> 00:30:55,520
Speaker 6: I didn't know any better. I'm like, okay, well eight

616
00:30:55,560 --> 00:30:57,560
Speaker 6: thousand and six thousand. I don't you know, if you

617
00:30:57,680 --> 00:31:01,560
Speaker 6: have no gauge, then then you just take whatever people

618
00:31:01,640 --> 00:31:05,880
Speaker 6: give you. So I met a guy found out through

619
00:31:05,920 --> 00:31:08,320
Speaker 6: the locker room that there's a guy called a guy

620
00:31:08,480 --> 00:31:13,320
Speaker 6: named Rob Simms, him Calvin Johnson, Jason Strahorn.

621
00:31:13,720 --> 00:31:14,360
Speaker 1: They started this.

622
00:31:14,440 --> 00:31:17,840
Speaker 6: Whole group called Locker Room Consulting Group. But at the

623
00:31:17,960 --> 00:31:23,160
Speaker 6: time that was just a thought. But Rob had he

624
00:31:23,640 --> 00:31:24,800
Speaker 6: talked about great mentors.

625
00:31:24,880 --> 00:31:27,200
Speaker 1: He literally, you know, texted.

626
00:31:27,320 --> 00:31:29,760
Speaker 6: He picked me up from the facility one day and

627
00:31:29,880 --> 00:31:34,760
Speaker 6: literally drove me around Detroit and walked me through houses

628
00:31:34,920 --> 00:31:38,760
Speaker 6: that he was actually currently flipping, right, and he showed

629
00:31:38,800 --> 00:31:40,440
Speaker 6: me the levels of stuff that he was doing. He

630
00:31:40,520 --> 00:31:43,440
Speaker 6: was doing some regular single family homes. He then took

631
00:31:43,520 --> 00:31:47,720
Speaker 6: me to like a big, like fifty unit apartment building

632
00:31:47,800 --> 00:31:51,480
Speaker 6: brand new buildout type of thing, and then showed me

633
00:31:52,240 --> 00:31:54,520
Speaker 6: a two hundred unit project that he was working on

634
00:31:54,640 --> 00:31:56,440
Speaker 6: investing in Florida.

635
00:31:56,160 --> 00:31:58,040
Speaker 1: Right, Like, so you realize there's levels.

636
00:31:58,440 --> 00:32:02,160
Speaker 6: But him at the time, he also gave me access

637
00:32:02,800 --> 00:32:04,200
Speaker 6: and so he was like, hey, like this is the

638
00:32:04,240 --> 00:32:04,840
Speaker 6: house I'm doing.

639
00:32:06,360 --> 00:32:07,959
Speaker 1: You know, if you want to get into it, you can.

640
00:32:08,560 --> 00:32:10,960
Speaker 6: You know, I don't need you to write like that's

641
00:32:11,160 --> 00:32:14,240
Speaker 6: that's the best pitch in the world, right, Like, you know,

642
00:32:14,320 --> 00:32:16,080
Speaker 6: you this house, I've already bought it.

643
00:32:16,600 --> 00:32:18,800
Speaker 1: Like it's going to get renovated with it without you,

644
00:32:18,920 --> 00:32:19,680
Speaker 1: but if you want to.

645
00:32:21,360 --> 00:32:24,240
Speaker 7: That's that's the power power of having mentors, right because

646
00:32:24,240 --> 00:32:26,479
Speaker 7: he could at least expose you to that exactly, right.

647
00:32:26,520 --> 00:32:28,160
Speaker 5: And this is a guy who was a veteran and

648
00:32:28,400 --> 00:32:30,240
Speaker 5: you're a young guy in the league. He didn't have

649
00:32:30,320 --> 00:32:30,600
Speaker 5: to do that.

650
00:32:30,760 --> 00:32:32,160
Speaker 1: Yeah, and he was retired.

651
00:32:32,600 --> 00:32:34,840
Speaker 6: He was retired at the time, and he was just like, cope,

652
00:32:34,880 --> 00:32:37,440
Speaker 6: like I really value what you saw something that. Yeah,

653
00:32:37,600 --> 00:32:39,719
Speaker 6: he was like, I wish I would have started earlier.

654
00:32:39,880 --> 00:32:42,200
Speaker 6: I know he has rentals and stuff like that, Like

655
00:32:42,280 --> 00:32:45,680
Speaker 6: he rents some his rentals out to players and stuff like,

656
00:32:46,280 --> 00:32:51,280
Speaker 6: and you know, you you you find yourself a mentor

657
00:32:52,120 --> 00:32:56,200
Speaker 6: or mentors that you can just one add value to them,

658
00:32:57,040 --> 00:32:59,440
Speaker 6: you know, and value is not always in the sense

659
00:32:59,520 --> 00:32:59,880
Speaker 6: of money.

660
00:33:00,600 --> 00:33:00,760
Speaker 1: Right.

661
00:33:03,000 --> 00:33:07,040
Speaker 6: There's a there's a c NBC just did this commercial

662
00:33:07,560 --> 00:33:11,600
Speaker 6: and I'm talking on it about mentors, and they chopped

663
00:33:11,640 --> 00:33:13,200
Speaker 6: up some of it. But one of the things I

664
00:33:13,320 --> 00:33:15,240
Speaker 6: was trying to say is like you don't have to

665
00:33:15,360 --> 00:33:18,760
Speaker 6: think it's just like giving a check, right, Like, hey, like,

666
00:33:18,840 --> 00:33:21,800
Speaker 6: I'll I'll come organize your books, right, Like I'll do

667
00:33:22,520 --> 00:33:25,400
Speaker 6: whatever I need you need me to do, Like I'll

668
00:33:25,440 --> 00:33:27,480
Speaker 6: follow your paperwork, whatever you need me to do to

669
00:33:27,560 --> 00:33:28,280
Speaker 6: add value to you.

670
00:33:28,880 --> 00:33:30,400
Speaker 1: I'll do that just for access to you.

671
00:33:30,800 --> 00:33:32,120
Speaker 4: And I'm glad you said that because a lot of

672
00:33:32,160 --> 00:33:38,080
Speaker 4: times people we're selfish by nature, right, So people want help, mentorship,

673
00:33:38,400 --> 00:33:42,120
Speaker 4: they want advice. But I heard somebody say before, like

674
00:33:42,280 --> 00:33:44,800
Speaker 4: you have to see how can I help this person?

675
00:33:45,280 --> 00:33:47,720
Speaker 4: Like I mean, like if you think from that standpoint,

676
00:33:47,840 --> 00:33:49,640
Speaker 4: then they will be more likely to help you as

677
00:33:49,640 --> 00:33:51,800
Speaker 4: opposed to just saying help me. That's more of a

678
00:33:51,920 --> 00:33:55,000
Speaker 4: charity thing right right now, if we have an equal relationship,

679
00:33:55,040 --> 00:33:57,080
Speaker 4: you might not be able to help me financially, but

680
00:33:57,200 --> 00:33:58,840
Speaker 4: like you said, you can still add value.

681
00:34:00,560 --> 00:34:02,920
Speaker 6: Yeah, right, And the thing and that's the thing is

682
00:34:03,080 --> 00:34:09,040
Speaker 6: like value is sorry, value is what you make it, right.

683
00:34:09,239 --> 00:34:11,799
Speaker 6: I think that, like you said, some people just come

684
00:34:11,880 --> 00:34:14,959
Speaker 6: up and say, hey, help me, right, and it's like okay,

685
00:34:15,239 --> 00:34:18,000
Speaker 6: Like well, you have to also look at your own

686
00:34:18,080 --> 00:34:22,600
Speaker 6: relationships and like anything that you're like, all of these

687
00:34:22,640 --> 00:34:28,040
Speaker 6: are transactions and either you're winning it's equal, or you're losing.

688
00:34:28,400 --> 00:34:31,080
Speaker 6: And there's only a certain amount or a certain number

689
00:34:31,120 --> 00:34:33,800
Speaker 6: of relationships that you can really be just losing it.

690
00:34:34,120 --> 00:34:39,040
Speaker 6: And you know, and that's at a certain point, it's

691
00:34:39,120 --> 00:34:41,239
Speaker 6: like we're all for giving back, we're all for trying

692
00:34:41,280 --> 00:34:45,279
Speaker 6: to help. But like, for example, with this class, I've

693
00:34:45,360 --> 00:34:49,680
Speaker 6: had this class and we've we've gained a lot of

694
00:34:49,840 --> 00:34:53,320
Speaker 6: media attention because of it, and that's been great. And

695
00:34:53,560 --> 00:34:57,279
Speaker 6: I used to pride myself on literally answering everything, every

696
00:34:57,400 --> 00:35:00,520
Speaker 6: DM email, text message, all that type of stuff, even

697
00:35:00,560 --> 00:35:02,799
Speaker 6: with every times where you know, I'd make a play

698
00:35:02,840 --> 00:35:05,320
Speaker 6: and it would be crazy amount of stuff in my

699
00:35:05,400 --> 00:35:07,560
Speaker 6: phone and I even if it was a week later,

700
00:35:07,600 --> 00:35:10,759
Speaker 6: I would do it. Now, like my brother he helps

701
00:35:10,920 --> 00:35:13,680
Speaker 6: he's my business manager, business partner. He helps me with stuff,

702
00:35:13,760 --> 00:35:16,400
Speaker 6: and he realizes because the first couple of weeks he

703
00:35:16,520 --> 00:35:18,040
Speaker 6: was like, now we can get through it. And then

704
00:35:18,080 --> 00:35:22,200
Speaker 6: after a few weeks he's like, yeah, nah, man, we

705
00:35:22,280 --> 00:35:24,320
Speaker 6: might have to get a template, right, And like I

706
00:35:24,400 --> 00:35:26,160
Speaker 6: told him, like, you know, you got to realize there's

707
00:35:26,200 --> 00:35:28,040
Speaker 6: certain things like I still have stuff I want to

708
00:35:28,120 --> 00:35:30,879
Speaker 6: do and create, and and I would literally spend all

709
00:35:30,960 --> 00:35:34,359
Speaker 6: day just answering emails or d ms, right, and then

710
00:35:35,120 --> 00:35:38,000
Speaker 6: tell us about it, Like it's like you got you

711
00:35:38,480 --> 00:35:41,640
Speaker 6: have to pick and choose your battles, right, and so

712
00:35:41,800 --> 00:35:44,080
Speaker 6: as much as you want to give, and you know,

713
00:35:44,280 --> 00:35:47,000
Speaker 6: people will throw your name through the mud if you

714
00:35:47,040 --> 00:35:49,719
Speaker 6: don't answer their particular message or whatever. Right, it's like

715
00:35:50,360 --> 00:35:52,600
Speaker 6: I plan on trying to answer it, but I'm gonna

716
00:35:52,600 --> 00:35:55,719
Speaker 6: answer it in in what I create, I think so.

717
00:35:56,600 --> 00:35:58,719
Speaker 6: But yeah, so finding them mentors and stuff like that.

718
00:35:58,840 --> 00:36:02,440
Speaker 6: I ended up giving him money to invest in his

719
00:36:02,600 --> 00:36:05,040
Speaker 6: house and then even a boy being in that I

720
00:36:05,200 --> 00:36:09,000
Speaker 6: was able to see what I liked about, how they

721
00:36:09,040 --> 00:36:11,560
Speaker 6: were doing things, what I didn't like, what I wanted

722
00:36:11,600 --> 00:36:13,960
Speaker 6: to do better, what I wanted to do less of,

723
00:36:14,160 --> 00:36:19,799
Speaker 6: more of alarm systems, cameras, whatever, right, Because again there's levels.

724
00:36:19,680 --> 00:36:22,800
Speaker 1: Right, and so I could realize that Rob was on this.

725
00:36:23,200 --> 00:36:26,000
Speaker 6: He's on a bigger level than me, right, because if

726
00:36:26,000 --> 00:36:27,960
Speaker 6: he loses his money again.

727
00:36:27,800 --> 00:36:28,520
Speaker 3: You know he he.

728
00:36:30,520 --> 00:36:31,600
Speaker 1: Might be able to withstand that.

729
00:36:34,160 --> 00:36:36,359
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730
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731
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741
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742
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743
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744
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745
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746
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747
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748
00:37:37,600 --> 00:37:39,839
Speaker 7: at a pop up market, or even one of our

749
00:37:39,920 --> 00:37:43,520
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750
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751
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752
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753
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754
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755
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757
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760
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Speaker 7: can keep pushing your vision forward.

761
00:38:24,800 --> 00:38:27,520
Speaker 9: Coach, the energy out there felt different. What changed for

762
00:38:27,600 --> 00:38:28,160
Speaker 9: the team today?

763
00:38:28,280 --> 00:38:30,440
Speaker 10: It was the new game day, scratches from the California

764
00:38:30,480 --> 00:38:33,879
Speaker 10: Lottery players, everything. Those games sent the team's energy through

765
00:38:33,880 --> 00:38:34,200
Speaker 10: the roof.

766
00:38:34,320 --> 00:38:36,239
Speaker 9: Are you saying it was the off field play that

767
00:38:36,320 --> 00:38:37,440
Speaker 9: made the difference on the field.

768
00:38:37,560 --> 00:38:40,279
Speaker 10: Hey, little play makes your day, and today it made

769
00:38:40,320 --> 00:38:43,400
Speaker 10: the game. That's all for now, Coach, One more question.

770
00:38:43,400 --> 00:38:46,200
Speaker 9: Play than new Los Angeles Chargers, San Francisco forty nine

771
00:38:46,280 --> 00:38:49,320
Speaker 9: ers and Los Angeles Rams scratchers from the California Lottery.

772
00:38:49,480 --> 00:38:52,600
Speaker 9: A little play can make your day, peace may Responsiblit

773
00:38:52,680 --> 00:38:54,200
Speaker 9: must be eighteen years or older to purchase plate or

774
00:38:54,239 --> 00:38:55,799
Speaker 9: claim it's.

775
00:38:55,680 --> 00:38:58,440
Speaker 6: Gonna hurt little b Right, So I need to know,

776
00:38:58,840 --> 00:39:00,719
Speaker 6: like I need to what's going on right now? You

777
00:39:00,800 --> 00:39:03,480
Speaker 6: know what's going on at three thirty pm. So so

778
00:39:03,640 --> 00:39:05,759
Speaker 6: from that again, I'm invested with them. And then I

779
00:39:05,840 --> 00:39:07,719
Speaker 6: went and jumped off and started doing my own. And

780
00:39:07,800 --> 00:39:09,600
Speaker 6: the reason why I started doing them in Detroit was

781
00:39:09,640 --> 00:39:13,920
Speaker 6: one the market was amazing. You could buy three, four bedroom,

782
00:39:14,120 --> 00:39:16,200
Speaker 6: three bathroom house for thirty five thousand dollars.

783
00:39:16,200 --> 00:39:18,160
Speaker 4: That's why I wanted to ask you, so Detroit, how

784
00:39:18,280 --> 00:39:20,319
Speaker 4: is the market Detroit right now? Because I've heard mixed things.

785
00:39:20,560 --> 00:39:23,160
Speaker 4: Some people think that it's like the best thing ever,

786
00:39:23,200 --> 00:39:25,799
Speaker 4: but some people saying it's already starting to get more

787
00:39:25,880 --> 00:39:29,520
Speaker 4: saturated and it's not as you know, good as people

788
00:39:29,560 --> 00:39:32,200
Speaker 4: are making it out to me. Yeah, you have mixed

789
00:39:32,200 --> 00:39:33,839
Speaker 4: a few opinions on it. What's the marketing?

790
00:39:33,960 --> 00:39:37,680
Speaker 6: Yeah, I think it's clearly is getting more saturated than

791
00:39:37,719 --> 00:39:39,879
Speaker 6: it was two years ago, three years ago.

792
00:39:39,960 --> 00:39:41,399
Speaker 1: But that's everything, right.

793
00:39:43,280 --> 00:39:47,120
Speaker 6: I I if you talk to anybody in Atlanta, they'll

794
00:39:47,120 --> 00:39:49,680
Speaker 6: tell you, like, prices here are getting more and more expensive.

795
00:39:49,719 --> 00:39:51,560
Speaker 6: It's getting more and more saturated. Then you're like, okay,

796
00:39:51,600 --> 00:39:54,200
Speaker 6: well what's the rent. It's like eleven hundred dollars for

797
00:39:54,800 --> 00:39:59,239
Speaker 6: three bedroom, you know, all right, comparison to New York. Well, shoot,

798
00:39:59,280 --> 00:39:59,880
Speaker 6: I'll take that off.

799
00:40:00,160 --> 00:40:01,320
Speaker 5: That's a studio exactly.

800
00:40:01,760 --> 00:40:05,640
Speaker 6: So, so I think I keep it in that perspective,

801
00:40:05,680 --> 00:40:08,480
Speaker 6: in that context. For me, Detroit was an opportunity and

802
00:40:08,600 --> 00:40:12,040
Speaker 6: still is an opportunity to learn on a smaller scale

803
00:40:13,040 --> 00:40:17,440
Speaker 6: and not risk even when I say small scales, not

804
00:40:17,600 --> 00:40:20,399
Speaker 6: risk as much money as some of these bigger market,

805
00:40:20,440 --> 00:40:23,680
Speaker 6: bigger markets, these bigger shows. Right Like I would turn

806
00:40:23,760 --> 00:40:25,920
Speaker 6: on one of the best houses we did in Detroit.

807
00:40:26,040 --> 00:40:30,760
Speaker 6: We bought this house for at auction for thirty six thousand.

808
00:40:32,000 --> 00:40:32,919
Speaker 1: Santa Rosa Drive.

809
00:40:33,440 --> 00:40:38,040
Speaker 6: That was that's her nickname, four bedroom, two and a

810
00:40:38,080 --> 00:40:41,680
Speaker 6: half bathroom house. We walked into it and this was,

811
00:40:41,960 --> 00:40:43,719
Speaker 6: I mean, this was a lay up home run type

812
00:40:43,760 --> 00:40:47,400
Speaker 6: of thing. Walked into it and it was unfortunately, you know,

813
00:40:47,760 --> 00:40:50,440
Speaker 6: it was an older woman who passed away. Her family

814
00:40:50,560 --> 00:40:53,560
Speaker 6: just didn't know to take care of it, didn't know

815
00:40:53,760 --> 00:40:56,120
Speaker 6: to pay the bills or whatever, so it just literally

816
00:40:56,239 --> 00:40:59,000
Speaker 6: was sitting there. We took it at auction and uh,

817
00:41:00,320 --> 00:41:03,399
Speaker 6: well kept house, all that type of stuff we put

818
00:41:03,480 --> 00:41:07,840
Speaker 6: in I want to say, twelve thousand dollars just to

819
00:41:08,040 --> 00:41:12,720
Speaker 6: do the kitchen, redo carpet, and to add a shower

820
00:41:12,920 --> 00:41:15,280
Speaker 6: instead of the elderly tug on the first floor bathroom.

821
00:41:15,800 --> 00:41:19,120
Speaker 6: We turned around. We sold it off market for one

822
00:41:19,200 --> 00:41:20,799
Speaker 6: hundred and twenty seven thousand.

823
00:41:20,719 --> 00:41:22,840
Speaker 3: Right, So how long was that turn around?

824
00:41:23,239 --> 00:41:26,800
Speaker 6: It literally the longest part it was a two week rehab.

825
00:41:27,520 --> 00:41:31,160
Speaker 6: The longest part was waiting for the eviction to go

826
00:41:31,280 --> 00:41:33,520
Speaker 6: through because still technically, even though no one was living

827
00:41:33,560 --> 00:41:36,360
Speaker 6: in it, we still legally went through the eviction process

828
00:41:36,719 --> 00:41:39,839
Speaker 6: with the court. No one showed up, waited thirty days

829
00:41:39,880 --> 00:41:41,879
Speaker 6: to enter, just to you know, protect our backs.

830
00:41:41,880 --> 00:41:42,879
Speaker 1: But that was the longest part.

831
00:41:43,160 --> 00:41:48,279
Speaker 6: After that, we got in two weeks and then flipped it.

832
00:41:48,480 --> 00:41:50,960
Speaker 6: So literally made one hundred and fifteen percent on my

833
00:41:51,080 --> 00:41:55,200
Speaker 6: money on that. But again, I turned on HGTV and

834
00:41:55,239 --> 00:41:58,320
Speaker 6: I see these couples and they doing amazing stuff, like

835
00:41:58,360 --> 00:42:00,759
Speaker 6: they're doing great flips and stuff like that, and you

836
00:42:00,920 --> 00:42:03,160
Speaker 6: like you just put out seven hundred thousand to bring

837
00:42:03,239 --> 00:42:04,040
Speaker 6: back fifty thousand.

838
00:42:04,120 --> 00:42:07,440
Speaker 5: Yeah, I'm always looking like, yeah, it's gonna coste not

839
00:42:07,520 --> 00:42:09,600
Speaker 5: a renovent. I'm like, that's eight hundred.

840
00:42:09,400 --> 00:42:12,839
Speaker 4: Thousand, but that's sorry. You paid thirty five thousand one auction.

841
00:42:13,760 --> 00:42:16,160
Speaker 4: You paid probably cash, right, But you could have got

842
00:42:16,239 --> 00:42:19,560
Speaker 4: that house without paying up to thirty five thousand, right, probably.

843
00:42:19,440 --> 00:42:22,160
Speaker 1: Well, since it was auction, I probably not.

844
00:42:22,440 --> 00:42:25,319
Speaker 6: Probably I would probably had the I would hard money

845
00:42:25,400 --> 00:42:27,359
Speaker 6: lends hard money or something like that, so I would

846
00:42:28,280 --> 00:42:31,239
Speaker 6: people I paid, they would have got their money, but

847
00:42:31,480 --> 00:42:33,920
Speaker 6: I probably could have came out of pocket less by

848
00:42:34,040 --> 00:42:35,520
Speaker 6: doing finding another lender.

849
00:42:35,560 --> 00:42:38,800
Speaker 4: Yea, Because he was trying to say for the average

850
00:42:38,840 --> 00:42:41,319
Speaker 4: person who might not have thirty five thousand, but they

851
00:42:41,400 --> 00:42:43,520
Speaker 4: still are interested in investing and they still want to

852
00:42:43,560 --> 00:42:46,359
Speaker 4: make money, right, yep, what's your advice for them?

853
00:42:46,680 --> 00:42:49,480
Speaker 3: They may not have you know, the same opportunities or

854
00:42:49,760 --> 00:42:51,319
Speaker 3: you know the same bank.

855
00:42:51,360 --> 00:42:51,839
Speaker 1: I'm the bank.

856
00:42:51,920 --> 00:42:54,600
Speaker 6: I'm fortunate to be able to be the bank in

857
00:42:54,800 --> 00:42:57,520
Speaker 6: my situations. And even still people tell me, like, you

858
00:42:57,600 --> 00:43:03,560
Speaker 6: want to start using other people's money, But for anyone

859
00:43:03,600 --> 00:43:06,040
Speaker 6: out there trying to get in one, I'd say make

860
00:43:06,120 --> 00:43:08,240
Speaker 6: sure you're ready and before.

861
00:43:08,360 --> 00:43:11,040
Speaker 1: What I mean by that is is what I found

862
00:43:11,120 --> 00:43:11,600
Speaker 1: in real.

863
00:43:11,560 --> 00:43:16,319
Speaker 6: Estate is there's a checklist of things that you need

864
00:43:16,400 --> 00:43:18,600
Speaker 6: to have and be ready for it, because especially if

865
00:43:18,640 --> 00:43:21,640
Speaker 6: you're taking on someone else's money, and then that means

866
00:43:21,680 --> 00:43:23,879
Speaker 6: you're you're holding on to that interest rate. You want

867
00:43:23,920 --> 00:43:26,920
Speaker 6: to you want to limit your you're holding time. Right,

868
00:43:29,760 --> 00:43:32,000
Speaker 6: What do I mean by being ready? What does your

869
00:43:32,040 --> 00:43:33,120
Speaker 6: contracting team look like?

870
00:43:33,560 --> 00:43:33,680
Speaker 8: Right?

871
00:43:35,520 --> 00:43:40,360
Speaker 6: Your contracting team can make or break your entire process.

872
00:43:41,000 --> 00:43:43,839
Speaker 6: What I found, I guess this is a better way

873
00:43:43,880 --> 00:43:48,160
Speaker 6: to said. Is What I found is people generally can't

874
00:43:48,200 --> 00:43:50,400
Speaker 6: do what they tell you they can do right. So

875
00:43:50,520 --> 00:43:54,920
Speaker 6: it's really vetting their vetting your contracting team, creating that

876
00:43:55,080 --> 00:43:58,480
Speaker 6: budget and doing your best to stick to it even

877
00:43:58,520 --> 00:44:00,759
Speaker 6: though you know you're never go and stick to it

878
00:44:01,040 --> 00:44:03,359
Speaker 6: like that sounds weird, but like you know it's going

879
00:44:03,400 --> 00:44:07,399
Speaker 6: to go over So for me, my process is well,

880
00:44:07,600 --> 00:44:10,560
Speaker 6: sorry to answer your question, there are hard money lenders

881
00:44:10,560 --> 00:44:12,680
Speaker 6: out there. There's people who will lend you money. You

882
00:44:12,800 --> 00:44:16,360
Speaker 6: can collateralize it with the car, house, whatever, depending on

883
00:44:16,719 --> 00:44:21,880
Speaker 6: the amount of alone. However, before you do that, you

884
00:44:22,200 --> 00:44:24,640
Speaker 6: need to make sure that you're ready and to make

885
00:44:24,719 --> 00:44:27,040
Speaker 6: you feel good about it. One of my mentors, he

886
00:44:28,800 --> 00:44:33,880
Speaker 6: that's outside of rob and charm City Buyers. One of

887
00:44:33,960 --> 00:44:35,759
Speaker 6: the things that he told me that really helped me

888
00:44:35,880 --> 00:44:38,000
Speaker 6: jump into my first home was he sat down with

889
00:44:38,080 --> 00:44:40,720
Speaker 6: me at dinner and he was just like, you know, cope,

890
00:44:40,760 --> 00:44:44,520
Speaker 6: this this isn't rocket science. He was like, a lot

891
00:44:44,520 --> 00:44:48,760
Speaker 6: of people make what they make, what they do seem

892
00:44:48,880 --> 00:44:49,840
Speaker 6: like it's rocket science.

893
00:44:49,880 --> 00:44:50,439
Speaker 3: But this isn't.

894
00:44:50,520 --> 00:44:53,800
Speaker 6: Like you buy a house, you've renovated, put money into it,

895
00:44:53,880 --> 00:44:54,480
Speaker 6: the renovated, you.

896
00:44:54,560 --> 00:44:56,880
Speaker 1: Sell it for more. Right, it ain't that.

897
00:44:57,200 --> 00:44:59,880
Speaker 6: Now there's certain things in there that make it feel stressful,

898
00:45:00,040 --> 00:45:02,640
Speaker 6: all stuff permits and all of this different stuff. Oh,

899
00:45:02,800 --> 00:45:07,040
Speaker 6: pipe burst for all you know, but it ain't rocket signed.

900
00:45:07,120 --> 00:45:10,279
Speaker 6: So for anybody listening, just keep that in mind. Right,

901
00:45:10,400 --> 00:45:13,359
Speaker 6: Like you buy a house, you renovate it, you put

902
00:45:13,440 --> 00:45:15,400
Speaker 6: money in, you pay people to renovate it, and you

903
00:45:15,480 --> 00:45:16,160
Speaker 6: sell it for hire.

904
00:45:16,400 --> 00:45:19,080
Speaker 1: Right, and before you do that, you do all your work.

905
00:45:19,239 --> 00:45:21,480
Speaker 6: You research My process. We can get into that if

906
00:45:21,520 --> 00:45:23,720
Speaker 6: we want. My process is to look at the comps

907
00:45:24,440 --> 00:45:26,399
Speaker 6: before I ever walk into a house. Just to look

908
00:45:26,400 --> 00:45:28,600
Speaker 6: at the comps is to make sure that, like you

909
00:45:28,760 --> 00:45:31,080
Speaker 6: send me my realtor, I find I have a realtors,

910
00:45:31,160 --> 00:45:33,360
Speaker 6: I have multiple realtors. I tell them what I'm looking for,

911
00:45:33,560 --> 00:45:36,000
Speaker 6: tell them what my investment criteria is, and I tell

912
00:45:36,040 --> 00:45:37,640
Speaker 6: them what I need to make off of it. I

913
00:45:38,160 --> 00:45:40,200
Speaker 6: only look at houses that I feel like I can

914
00:45:40,280 --> 00:45:43,160
Speaker 6: at least make thirty K off of, right, And you know,

915
00:45:43,280 --> 00:45:45,160
Speaker 6: some of the real says, oh man, that's I don't know,

916
00:45:45,320 --> 00:45:47,319
Speaker 6: Like in Baltimore is getting the margins are getting thinner,

917
00:45:47,400 --> 00:45:48,800
Speaker 6: you know, cool, but it don't.

918
00:45:48,640 --> 00:45:52,160
Speaker 1: Send it me the house take thirty And why do

919
00:45:52,280 --> 00:45:52,680
Speaker 1: I do that?

920
00:45:53,080 --> 00:45:55,279
Speaker 6: There's houses that I won't make thirty K off of

921
00:45:55,400 --> 00:45:57,960
Speaker 6: even if I think that, But that gives me enough

922
00:45:58,040 --> 00:46:02,360
Speaker 6: cushion where Okay, this house messed up or this. You know,

923
00:46:02,480 --> 00:46:05,120
Speaker 6: I have a change order in my contracting work, so

924
00:46:05,640 --> 00:46:08,239
Speaker 6: I need to add this or whatever. And now that

925
00:46:08,360 --> 00:46:10,480
Speaker 6: thirty K is crunched the twenty five, and it's crunched

926
00:46:10,520 --> 00:46:13,000
Speaker 6: the twenty and so it gives me more than enough

927
00:46:13,040 --> 00:46:15,320
Speaker 6: cushion as opposed to where some people are trying to

928
00:46:15,360 --> 00:46:17,719
Speaker 6: get fifteen K. And then as soon as some bad

929
00:46:17,800 --> 00:46:20,719
Speaker 6: things pop up, now they in the red. You know

930
00:46:20,800 --> 00:46:21,239
Speaker 6: what I'm saying.

931
00:46:22,160 --> 00:46:25,799
Speaker 1: So I do that. Then we'll go through a house

932
00:46:26,080 --> 00:46:26,960
Speaker 1: I go through a house.

933
00:46:26,840 --> 00:46:30,640
Speaker 6: With the contractor and the and I get an estimate

934
00:46:30,760 --> 00:46:32,840
Speaker 6: there right and I know that the contract is going

935
00:46:32,920 --> 00:46:34,839
Speaker 6: to be off. You know, I know that they're going

936
00:46:34,920 --> 00:46:37,080
Speaker 6: to add some more later on on the back end.

937
00:46:37,480 --> 00:46:37,600
Speaker 5: You know.

938
00:46:37,680 --> 00:46:40,560
Speaker 6: I've been fortunate to have some great contractors, especially in Maryland,

939
00:46:41,400 --> 00:46:42,759
Speaker 6: and Detroit has been hit or miss.

940
00:46:43,000 --> 00:46:47,279
Speaker 1: I've had some good ones. I've had some marble ones, right, but.

941
00:46:49,040 --> 00:46:53,960
Speaker 6: Finding just getting a ballparking range, because right then and there,

942
00:46:54,480 --> 00:46:56,160
Speaker 6: I might be able to be like, Okay, this is

943
00:46:56,239 --> 00:47:00,120
Speaker 6: not this doesn't add up right after that, and then

944
00:47:00,200 --> 00:47:02,200
Speaker 6: you know, you put in your offer, you probably miss

945
00:47:02,280 --> 00:47:05,480
Speaker 6: on half the houses you offer on. Probably really seventy

946
00:47:05,520 --> 00:47:07,600
Speaker 6: five percent of the houses I've put offers in on

947
00:47:07,840 --> 00:47:12,080
Speaker 6: I haven't gotten. But you just play that game. But again,

948
00:47:12,160 --> 00:47:18,360
Speaker 6: for me, it's about I feel like real estate. And

949
00:47:18,440 --> 00:47:20,840
Speaker 6: I know I'm obviously in a blessed position to be

950
00:47:20,880 --> 00:47:23,680
Speaker 6: able to say this, but I tell this to my family.

951
00:47:23,800 --> 00:47:25,560
Speaker 6: I tell this to everyone because I'm getting my family

952
00:47:25,880 --> 00:47:28,520
Speaker 6: they invest with me. I feel like real estate is

953
00:47:28,560 --> 00:47:32,080
Speaker 6: a great thing to be in as a secondary social income.

954
00:47:32,680 --> 00:47:36,360
Speaker 6: Right Like for me, I look at it as like, okay,

955
00:47:36,560 --> 00:47:40,360
Speaker 6: like it's a great place to be in when you

956
00:47:40,440 --> 00:47:44,239
Speaker 6: know there is a week delay. Or for example, I

957
00:47:44,320 --> 00:47:46,279
Speaker 6: was supposed to close on a house. It's sell a

958
00:47:46,360 --> 00:47:48,359
Speaker 6: house that we've had on the market for some time.

959
00:47:48,400 --> 00:47:51,480
Speaker 6: I was supposed to sell it on May tenth, this

960
00:47:51,640 --> 00:47:57,120
Speaker 6: past Friday, and it's gotten pushed. So they did the

961
00:47:57,120 --> 00:47:59,719
Speaker 6: appraisal late, and all that stuff is getting pushed. We

962
00:47:59,840 --> 00:48:01,520
Speaker 6: just sign have done them to push it to close

963
00:48:01,560 --> 00:48:02,279
Speaker 6: before May thirty.

964
00:48:02,320 --> 00:48:02,520
Speaker 5: First.

965
00:48:02,719 --> 00:48:05,520
Speaker 6: If I needed that money right now, I'll be pissed, right,

966
00:48:05,800 --> 00:48:08,120
Speaker 6: I still keep it. Everybody else around me thinks that

967
00:48:08,160 --> 00:48:10,279
Speaker 6: I'm pissed, Like, come on, we got tighten this up right, right,

968
00:48:10,400 --> 00:48:12,880
Speaker 6: But I'm like, okay, cool, and I'm going to the

969
00:48:12,960 --> 00:48:15,000
Speaker 6: other thing. I don't need that right now, you know

970
00:48:15,040 --> 00:48:17,000
Speaker 6: what I'm saying. So to keep it as a secondary

971
00:48:17,080 --> 00:48:20,200
Speaker 6: source of income allows you to operate in a less

972
00:48:20,640 --> 00:48:24,879
Speaker 6: stressful situation. And it also allows you to not take

973
00:48:25,080 --> 00:48:29,080
Speaker 6: risks and take chances and force investments if you don't

974
00:48:29,120 --> 00:48:30,640
Speaker 6: have to. Because there's a lot of people out here

975
00:48:30,680 --> 00:48:32,560
Speaker 6: that's where they get themselves in the best situation, Like

976
00:48:32,600 --> 00:48:34,000
Speaker 6: I need this house to work and I need to

977
00:48:34,000 --> 00:48:35,040
Speaker 6: flip it now, right.

978
00:48:35,840 --> 00:48:38,800
Speaker 7: So what makes you unique is that you're reading blueprints

979
00:48:38,880 --> 00:48:41,839
Speaker 7: and you're reading playbooks too, right, And you spoke about

980
00:48:41,880 --> 00:48:43,640
Speaker 7: your family and building your team.

981
00:48:45,120 --> 00:48:47,279
Speaker 5: But your family's involved, right. Your mom is part of

982
00:48:47,440 --> 00:48:48,400
Speaker 5: as an investor with you.

983
00:48:48,520 --> 00:48:52,040
Speaker 7: Your wife is reading the charter, and your brother is

984
00:48:52,160 --> 00:48:55,000
Speaker 7: I believe the project project management. So were they into

985
00:48:55,040 --> 00:48:57,040
Speaker 7: real estate or did you bring them on and educate

986
00:48:57,080 --> 00:48:58,040
Speaker 7: you guys learned altogether.

987
00:48:58,160 --> 00:48:59,920
Speaker 6: Yeah, brought them on. Brought them on. So I think

988
00:49:00,520 --> 00:49:05,359
Speaker 6: for me, one of my biggest goals is to figure out,

989
00:49:05,600 --> 00:49:10,200
Speaker 6: not figure out, but encourage other people to create wealth

990
00:49:10,320 --> 00:49:14,400
Speaker 6: for themselves. Right, My family is doing well for themselves.

991
00:49:14,440 --> 00:49:16,560
Speaker 6: They all have their own hustles. But hey, like I

992
00:49:16,680 --> 00:49:18,399
Speaker 6: look at real estate as a way of like, hey

993
00:49:19,120 --> 00:49:21,799
Speaker 6: I can Like I tell my friend all the time

994
00:49:21,840 --> 00:49:23,759
Speaker 6: he has student loans. He's talking about him, like you

995
00:49:24,520 --> 00:49:27,719
Speaker 6: flip a house, right and start putting out chunks on

996
00:49:27,960 --> 00:49:30,759
Speaker 6: your mortgage. Right, he already has a job that he's

997
00:49:30,800 --> 00:49:32,799
Speaker 6: been paying off. But like I look at it as

998
00:49:32,880 --> 00:49:35,439
Speaker 6: like one day I'll just flip a house to pay

999
00:49:35,560 --> 00:49:37,960
Speaker 6: for things that I want. Okay, my kid has this

1000
00:49:38,080 --> 00:49:41,319
Speaker 6: year's tuition. Okay, well, well let's do this house right here,

1001
00:49:41,640 --> 00:49:44,279
Speaker 6: or we need vacation or I'm flip a house to

1002
00:49:44,320 --> 00:49:48,279
Speaker 6: pay all of our bills, right, yeah, Like I'm literally like,

1003
00:49:48,400 --> 00:49:50,279
Speaker 6: that's the way I look at it, right, And that's

1004
00:49:50,320 --> 00:49:53,000
Speaker 6: a that's a great thing to be able to do

1005
00:49:53,520 --> 00:49:55,480
Speaker 6: and a great goal to have. But I wanted to

1006
00:49:56,440 --> 00:50:00,640
Speaker 6: also empower the people around me to be able to

1007
00:50:00,760 --> 00:50:04,080
Speaker 6: do it themselves, so allowing them to have access to

1008
00:50:04,120 --> 00:50:04,640
Speaker 6: the investment.

1009
00:50:04,680 --> 00:50:07,040
Speaker 1: Again, I'm approaching you. I'm doing this house.

1010
00:50:07,920 --> 00:50:09,480
Speaker 6: You can jump in for whatever.

1011
00:50:09,960 --> 00:50:11,680
Speaker 7: Yeah, you can jump in if you want the same

1012
00:50:11,760 --> 00:50:14,239
Speaker 7: lesson that you exactly I'm gonna do this.

1013
00:50:14,320 --> 00:50:17,759
Speaker 4: You could, but that's like, yeah, one of one of

1014
00:50:17,840 --> 00:50:21,800
Speaker 4: the like my mentors, uh he uh, he had a

1015
00:50:21,880 --> 00:50:25,640
Speaker 4: building in Manhattan. He's a real, big time real estate investor, right,

1016
00:50:25,920 --> 00:50:27,960
Speaker 4: so he's a he's a developer and he had the

1017
00:50:27,960 --> 00:50:31,040
Speaker 4: building in Manhattan and he he called me. He's like, look, no,

1018
00:50:31,080 --> 00:50:32,160
Speaker 4: if you want to get in, I'll give you the

1019
00:50:32,200 --> 00:50:35,000
Speaker 4: friends and family deal. He's like, you know, you know

1020
00:50:35,080 --> 00:50:36,640
Speaker 4: you can be part of the owner of a building

1021
00:50:36,640 --> 00:50:37,120
Speaker 4: in Manhattan.

1022
00:50:37,200 --> 00:50:37,600
Speaker 3: Da da.

1023
00:50:37,920 --> 00:50:40,439
Speaker 4: But he said, he said, look, he said, I'm giving

1024
00:50:40,480 --> 00:50:42,759
Speaker 4: you this off. He said, I don't need to give

1025
00:50:42,760 --> 00:50:44,759
Speaker 4: you this offer, he said, And I'll never call you

1026
00:50:44,840 --> 00:50:45,439
Speaker 4: by it over again.

1027
00:50:48,400 --> 00:50:50,400
Speaker 3: If you want any or it, it's up to you.

1028
00:50:50,800 --> 00:50:53,000
Speaker 3: You know, I'm not gonna beat your door down.

1029
00:50:53,719 --> 00:50:56,360
Speaker 5: No, that that's all based on facts.

1030
00:50:58,040 --> 00:51:00,719
Speaker 1: This is happening with without you. And again.

1031
00:51:02,320 --> 00:51:05,720
Speaker 6: It allows you allows them to have the same experience

1032
00:51:05,760 --> 00:51:09,359
Speaker 6: that I had. So now they can get their feet wet.

1033
00:51:09,560 --> 00:51:09,680
Speaker 3: Right.

1034
00:51:09,760 --> 00:51:12,040
Speaker 6: I don't care if it's a thousand bucks. I don't

1035
00:51:12,040 --> 00:51:13,640
Speaker 6: care if it's four thousand bucks. I don't care if

1036
00:51:13,640 --> 00:51:15,840
Speaker 6: it's twenty thousand bucks. You know what I'm saying, Like,

1037
00:51:16,480 --> 00:51:18,719
Speaker 6: whatever you want, you just break it down, break the

1038
00:51:18,760 --> 00:51:21,040
Speaker 6: percentages down. You have equity in this play.

1039
00:51:21,160 --> 00:51:23,080
Speaker 1: And now now you care.

1040
00:51:23,600 --> 00:51:24,360
Speaker 6: Now you're interesting.

1041
00:51:24,360 --> 00:51:26,280
Speaker 5: People are going to care when they're invested in something,

1042
00:51:26,320 --> 00:51:26,799
Speaker 5: you know what I mean.

1043
00:51:26,920 --> 00:51:29,440
Speaker 7: Like, even if it's they're making two hundred dollars more,

1044
00:51:29,920 --> 00:51:32,799
Speaker 7: that's more passive than you had a month before war.

1045
00:51:32,680 --> 00:51:36,319
Speaker 6: In your checking account that you get so so by

1046
00:51:36,400 --> 00:51:38,400
Speaker 6: doing that, then it gets them to learn. And then

1047
00:51:38,440 --> 00:51:43,239
Speaker 6: it also like I'm always thinking about the future, and

1048
00:51:43,480 --> 00:51:46,960
Speaker 6: the future build right, And so I've invested with players,

1049
00:51:47,280 --> 00:51:49,360
Speaker 6: and there's a bunch of players who want to invest

1050
00:51:49,400 --> 00:51:52,879
Speaker 6: and do stuff together, and I've done something with them.

1051
00:51:53,120 --> 00:51:54,840
Speaker 6: And there's some that I'm like, you know, I just

1052
00:51:54,880 --> 00:51:58,799
Speaker 6: want to wait until I have my team, really really sure, right,

1053
00:51:59,800 --> 00:52:03,080
Speaker 6: I'm I'm first to admit that, like one, I'm a perfectionist.

1054
00:52:03,160 --> 00:52:06,400
Speaker 6: So if it ain't rolling in my version or my

1055
00:52:06,560 --> 00:52:09,160
Speaker 6: run and perfection, then it ain't ready. But then once

1056
00:52:09,239 --> 00:52:11,160
Speaker 6: I get it there, then we can rock and roll.

1057
00:52:11,400 --> 00:52:17,480
Speaker 1: Right. But when you have that access, now I'll shoot

1058
00:52:17,520 --> 00:52:19,160
Speaker 1: you videos of the.

1059
00:52:19,239 --> 00:52:23,239
Speaker 6: Befores of what the contractor is telling me, of the

1060
00:52:23,360 --> 00:52:25,839
Speaker 6: things that I've learned, the things that I've thought about.

1061
00:52:25,880 --> 00:52:28,320
Speaker 6: But I want you to start looking at stuff the

1062
00:52:28,400 --> 00:52:30,640
Speaker 6: way I start looking at stuff, right, because in the

1063
00:52:30,680 --> 00:52:32,040
Speaker 6: long run, again we talk.

1064
00:52:31,960 --> 00:52:34,040
Speaker 1: About adding value and different ways of add value.

1065
00:52:34,120 --> 00:52:36,320
Speaker 6: Is you know, one, I don't need your money, but

1066
00:52:36,480 --> 00:52:39,759
Speaker 6: two I want, in the long run your add value

1067
00:52:39,840 --> 00:52:43,040
Speaker 6: to me. Because now we're going to start to speak

1068
00:52:43,040 --> 00:52:46,600
Speaker 6: the same language. Now, if I'm in New Jersey, if

1069
00:52:46,600 --> 00:52:49,920
Speaker 6: I'm in Baltimore and you move to Florida, or you know,

1070
00:52:50,200 --> 00:52:52,960
Speaker 6: you get traded and go to California or whatever, now

1071
00:52:53,080 --> 00:52:55,360
Speaker 6: you're looking at the house the same lens and perspective

1072
00:52:55,400 --> 00:52:56,960
Speaker 6: that I always had to.

1073
00:52:57,080 --> 00:52:59,640
Speaker 1: Now you can say a cod like maybe you want

1074
00:52:59,680 --> 00:53:00,879
Speaker 1: to throw money in is one?

1075
00:53:01,600 --> 00:53:01,680
Speaker 3: Right?

1076
00:53:01,880 --> 00:53:05,960
Speaker 7: They branch off and that other factors that people become

1077
00:53:06,040 --> 00:53:08,320
Speaker 7: less dependent on you because now they have their own knowledge.

1078
00:53:08,600 --> 00:53:12,360
Speaker 4: Well that so knowledge is power and education is everything

1079
00:53:12,400 --> 00:53:15,800
Speaker 4: in this world. So that brings us to our next segment,

1080
00:53:15,920 --> 00:53:19,279
Speaker 4: something that we all have in common. Yeah, education, all right,

1081
00:53:19,480 --> 00:53:22,560
Speaker 4: So for the last seven we're gonna talk education. And

1082
00:53:23,200 --> 00:53:25,480
Speaker 4: if anybody's not familiar, this is how this whole thing

1083
00:53:25,600 --> 00:53:30,080
Speaker 4: started with even the podcast is Troy is an educator

1084
00:53:30,520 --> 00:53:33,920
Speaker 4: and I'm a financial advisor. So I'll speed up this

1085
00:53:34,000 --> 00:53:35,840
Speaker 4: story because we've told it a couple of times before.

1086
00:53:35,920 --> 00:53:39,520
Speaker 4: But he brought me in his classroom before and he

1087
00:53:39,640 --> 00:53:41,560
Speaker 4: asked me to teach a financial literacy class. So that

1088
00:53:42,080 --> 00:53:44,759
Speaker 4: financial literacy class turned into he has a program that

1089
00:53:44,920 --> 00:53:49,120
Speaker 4: he runs every summer, six week program for kids, internships,

1090
00:53:49,560 --> 00:53:52,000
Speaker 4: a whole bunch of stuff, college tours and everything. They

1091
00:53:52,040 --> 00:53:54,279
Speaker 4: get paid at the end of the program. So that

1092
00:53:54,440 --> 00:53:57,600
Speaker 4: turned into me running a financial literacy program for the

1093
00:53:57,719 --> 00:54:00,800
Speaker 4: kids for the six weeks. Then that's turned into me

1094
00:54:00,920 --> 00:54:03,600
Speaker 4: actually developing a curriculum, right and now were actually do

1095
00:54:03,640 --> 00:54:06,680
Speaker 4: it in a couple of other schools outside of our

1096
00:54:06,760 --> 00:54:09,120
Speaker 4: program that we're doing the summer, And then that turns

1097
00:54:09,160 --> 00:54:13,440
Speaker 4: into I actually want to write a textbook, right, so

1098
00:54:13,520 --> 00:54:16,160
Speaker 4: it could be all over and it turned into a

1099
00:54:16,160 --> 00:54:18,759
Speaker 4: whole bunch of different opportunities. With my brother's keeper of

1100
00:54:18,800 --> 00:54:21,120
Speaker 4: President Obama's program, we got.

1101
00:54:21,200 --> 00:54:22,200
Speaker 5: Turned into this podcast.

1102
00:54:22,640 --> 00:54:26,960
Speaker 4: Yeah yeah, so yeah, so it all meshed together. So

1103
00:54:28,280 --> 00:54:31,520
Speaker 4: as we said earlier in the podcast, Brandon is educated

1104
00:54:31,560 --> 00:54:37,120
Speaker 4: as well. So he is a professor at the University

1105
00:54:37,200 --> 00:54:40,400
Speaker 4: of Pennsylvania's business school, which is Wharton, and as I

1106
00:54:40,440 --> 00:54:42,960
Speaker 4: said before, that's one of the best business schools in

1107
00:54:43,080 --> 00:54:46,879
Speaker 4: the country. So aside from being football player, aside from

1108
00:54:47,000 --> 00:54:49,160
Speaker 4: being a real estate investor, aside from working on we

1109
00:54:49,280 --> 00:54:51,520
Speaker 4: even talk about him working on Wall Street. He also

1110
00:54:51,640 --> 00:54:55,760
Speaker 4: it's too much to talk about. But he's also a educator.

1111
00:54:55,880 --> 00:54:58,440
Speaker 4: So financial literacy is something that we're very passionate about.

1112
00:54:58,880 --> 00:55:00,920
Speaker 4: Can you talk about your class because your class is

1113
00:55:01,000 --> 00:55:02,879
Speaker 4: interesting it correct me if I'm wrong, but it's called

1114
00:55:02,960 --> 00:55:06,720
Speaker 4: Inequity and Empowerment in Urban Financial Literacy.

1115
00:55:06,800 --> 00:55:07,320
Speaker 3: That's the name of it.

1116
00:55:07,480 --> 00:55:11,960
Speaker 4: Yep, yep, So that's an interesting title, and I kind

1117
00:55:12,000 --> 00:55:14,080
Speaker 4: of assume I know what that means. But can you

1118
00:55:14,160 --> 00:55:16,560
Speaker 4: talk about the class? We start's start off the conversation

1119
00:55:16,640 --> 00:55:17,800
Speaker 4: with the class that.

1120
00:55:18,000 --> 00:55:18,319
Speaker 1: Yeah, so.

1121
00:55:20,400 --> 00:55:24,040
Speaker 6: Technically it's not in wart and it's in the urban school,

1122
00:55:24,200 --> 00:55:26,640
Speaker 6: Urban Studies school, just to put that out there so

1123
00:55:26,719 --> 00:55:33,520
Speaker 6: they don't come down. And but it's when I thought

1124
00:55:33,560 --> 00:55:37,759
Speaker 6: of the class I thought about. I was actually on

1125
00:55:37,840 --> 00:55:41,279
Speaker 6: the ride through Detroit looking at real estate opportunities with

1126
00:55:42,160 --> 00:55:44,200
Speaker 6: a couple of players, and one of the players mentioned

1127
00:55:44,400 --> 00:55:46,719
Speaker 6: in the backseat about, hey, man, I just wish when

1128
00:55:46,760 --> 00:55:48,400
Speaker 6: I was in college we had a class on that,

1129
00:55:48,480 --> 00:55:51,680
Speaker 6: you know, talked about taxes and budgeting and houses and

1130
00:55:51,760 --> 00:55:53,560
Speaker 6: buying your house and all that type of stuff. I'm like,

1131
00:55:53,840 --> 00:55:56,880
Speaker 6: I mean, that's not just something that athletes need, that's

1132
00:55:56,920 --> 00:55:59,560
Speaker 6: something that we all need, right, Like, how do you

1133
00:55:59,840 --> 00:56:02,319
Speaker 6: just and you had the conversation, I was like, how

1134
00:56:02,320 --> 00:56:05,759
Speaker 6: do you just pick athletes who you think are going

1135
00:56:05,800 --> 00:56:08,439
Speaker 6: to the league or not? You know, like everybody should

1136
00:56:08,480 --> 00:56:13,160
Speaker 6: have that. So from there my wheel started running. And again,

1137
00:56:13,239 --> 00:56:15,560
Speaker 6: like as I said, I'm impulsive. When I get passionate

1138
00:56:15,600 --> 00:56:17,640
Speaker 6: about something, it's like, how do you make it happen.

1139
00:56:17,760 --> 00:56:22,120
Speaker 6: So it's been a few years of trying to get

1140
00:56:22,160 --> 00:56:25,200
Speaker 6: the school to buy in and I was fortunate to

1141
00:56:25,239 --> 00:56:28,879
Speaker 6: come across my co professor, doctor Brian Peterson, last year

1142
00:56:28,880 --> 00:56:31,200
Speaker 6: at our Just College five year reunion. I told him

1143
00:56:31,200 --> 00:56:32,960
Speaker 6: about the idea and then he took it and ran

1144
00:56:33,040 --> 00:56:38,279
Speaker 6: with it and dealt with the the school pitch. You know,

1145
00:56:39,520 --> 00:56:43,719
Speaker 6: you know me, I'm just a creative so you know,

1146
00:56:43,800 --> 00:56:46,040
Speaker 6: I come to you with the idea like, yes, YadA,

1147
00:56:46,080 --> 00:56:47,600
Speaker 6: I'm willing to put the work in behind it.

1148
00:56:47,719 --> 00:56:49,040
Speaker 1: But I didn't know you need to.

1149
00:56:49,080 --> 00:56:51,040
Speaker 6: You know, you need a syllabit, you need a course

1150
00:56:51,080 --> 00:56:54,640
Speaker 6: outline and all that stuff. So anyway, for me, the

1151
00:56:54,840 --> 00:56:57,720
Speaker 6: class premise is like, let's talk about all the different

1152
00:56:57,760 --> 00:56:59,840
Speaker 6: things that you deal with in life that we just

1153
00:57:00,680 --> 00:57:01,640
Speaker 6: let's just talk about them.

1154
00:57:01,760 --> 00:57:03,280
Speaker 1: Right. For some reason, we've.

1155
00:57:03,160 --> 00:57:06,319
Speaker 6: Gone through these schools and gone through all these I've

1156
00:57:06,360 --> 00:57:10,080
Speaker 6: gone through sixteen years of school myself, and no one

1157
00:57:10,120 --> 00:57:12,040
Speaker 6: ever taught me how to buy my first house, right,

1158
00:57:12,320 --> 00:57:15,680
Speaker 6: No one ever taught me about the cost of renting

1159
00:57:15,960 --> 00:57:17,280
Speaker 6: or how to invest.

1160
00:57:17,720 --> 00:57:17,880
Speaker 1: Right.

1161
00:57:18,000 --> 00:57:22,840
Speaker 6: We have these classes that talk about finance and statistics

1162
00:57:22,920 --> 00:57:26,080
Speaker 6: and all that stuff. But yeah, but like what's the

1163
00:57:26,240 --> 00:57:27,480
Speaker 6: real life application?

1164
00:57:27,880 --> 00:57:28,040
Speaker 7: You know?

1165
00:57:28,680 --> 00:57:31,160
Speaker 6: And I remember as an intern on Wall Street, I

1166
00:57:31,320 --> 00:57:33,960
Speaker 6: was like, you know, we had these classes and I think,

1167
00:57:34,240 --> 00:57:37,960
Speaker 6: you know, I had these econ classes and finance classes,

1168
00:57:38,040 --> 00:57:40,960
Speaker 6: and I'm like, okay, I should be pretty well prepared

1169
00:57:41,000 --> 00:57:44,959
Speaker 6: as compared to a student who hasn't had this stuff.

1170
00:57:45,000 --> 00:57:47,320
Speaker 6: But then when I went into it, I'm like, yeah,

1171
00:57:47,400 --> 00:57:50,360
Speaker 6: we didn't talk about any basis.

1172
00:57:50,440 --> 00:57:52,760
Speaker 7: The funny thing about that is like I feel the

1173
00:57:52,800 --> 00:57:55,560
Speaker 7: same way about education, Like we went to school, right,

1174
00:57:55,800 --> 00:57:58,120
Speaker 7: and we learned we had to take all these tasks

1175
00:57:58,160 --> 00:57:59,480
Speaker 7: and pass them to be certified.

1176
00:58:00,000 --> 00:58:01,480
Speaker 5: And I went to grad school forward.

1177
00:58:01,720 --> 00:58:04,720
Speaker 7: And I got put in New York City and all

1178
00:58:04,760 --> 00:58:07,520
Speaker 7: the things that they talk out the window, you're gonna

1179
00:58:07,600 --> 00:58:10,200
Speaker 7: learn right now right today's yeah, you know what I mean.

1180
00:58:10,480 --> 00:58:13,160
Speaker 7: And one of the lessons I try to tell up

1181
00:58:13,200 --> 00:58:15,640
Speaker 7: and coming teachers is like, listen, you're gonna be tested

1182
00:58:15,680 --> 00:58:18,640
Speaker 7: every day. You got to really put the mindset that

1183
00:58:18,880 --> 00:58:21,720
Speaker 7: today I'm gonna win this battle because I know I'm

1184
00:58:21,760 --> 00:58:23,640
Speaker 7: fighting for them, you know what I mean. So like

1185
00:58:23,720 --> 00:58:25,760
Speaker 7: that's crazy, like you're doing that. And finance too, it's

1186
00:58:25,760 --> 00:58:27,640
Speaker 7: the same thing, like wait, I went to the school

1187
00:58:27,680 --> 00:58:30,200
Speaker 7: for all this and I know nothing.

1188
00:58:30,960 --> 00:58:35,640
Speaker 1: I literally have to start over, right, and so you know,

1189
00:58:36,080 --> 00:58:36,600
Speaker 1: taking that.

1190
00:58:38,160 --> 00:58:40,880
Speaker 6: Is like literally the premise of the class. I nicknamed

1191
00:58:40,920 --> 00:58:43,840
Speaker 6: it life one on one and uh so we talk

1192
00:58:43,880 --> 00:58:47,000
Speaker 6: about credit. I always felt like too, like I sat

1193
00:58:47,040 --> 00:58:51,480
Speaker 6: in these classrooms and you know, as a kid who

1194
00:58:52,160 --> 00:58:54,760
Speaker 6: a kid from Baltimore learning and all that type of stuff.

1195
00:58:55,240 --> 00:58:58,440
Speaker 6: I've been fortunate enough my parents valued education, so I've

1196
00:58:58,520 --> 00:59:03,760
Speaker 6: really valued it myself. And still, even though I feel

1197
00:59:03,800 --> 00:59:07,320
Speaker 6: like I'm a bright individual, I was sit in some

1198
00:59:07,400 --> 00:59:09,400
Speaker 6: of these classes and I would have to like the

1199
00:59:09,480 --> 00:59:13,240
Speaker 6: teachers would just talk over my head, however long the

1200
00:59:13,320 --> 00:59:17,320
Speaker 6: lecture was, and I was like, you know, people would

1201
00:59:17,320 --> 00:59:19,440
Speaker 6: throw around terms good debt versus bad debt and all

1202
00:59:19,520 --> 00:59:22,120
Speaker 6: that stuff, and you feel afraid to ask a question, like,

1203
00:59:22,240 --> 00:59:24,280
Speaker 6: you know, I don't want to see much studio, feel

1204
00:59:24,280 --> 00:59:26,960
Speaker 6: like everybody else must know, right, you know, like he's

1205
00:59:26,960 --> 00:59:28,920
Speaker 6: talking like they like maybe I didn't get this in

1206
00:59:29,400 --> 00:59:32,120
Speaker 6: my high school or something right, And then you know,

1207
00:59:32,240 --> 00:59:34,360
Speaker 6: so I'd end up youtubing it or figuring it out

1208
00:59:34,400 --> 00:59:36,880
Speaker 6: on my own or just through life and experience.

1209
00:59:36,920 --> 00:59:37,760
Speaker 1: And I'm like, it.

1210
00:59:37,840 --> 00:59:39,920
Speaker 6: Shouldn't be like that, right, Like you're paying all this

1211
00:59:40,040 --> 00:59:42,480
Speaker 6: money to go to school. We should talk about this.

1212
00:59:42,600 --> 00:59:45,640
Speaker 6: You should feel comfortable asking this question. So that's the

1213
00:59:45,680 --> 00:59:48,400
Speaker 6: class we started. We cover everything from like I said,

1214
00:59:48,480 --> 00:59:52,640
Speaker 6: invest in budgeting, taxes, your gross pay versus your net,

1215
00:59:54,520 --> 00:59:56,400
Speaker 6: how to buy a house, our very last class we

1216
00:59:56,440 --> 00:59:59,280
Speaker 6: had as called we called it Financing your Dream Company

1217
00:59:59,360 --> 01:00:03,360
Speaker 6: an entrepreneur with a ship panel. We end up having

1218
01:00:03,400 --> 01:00:07,120
Speaker 6: a huge My goal, as I told the students, my

1219
01:00:07,200 --> 01:00:12,560
Speaker 6: goal is to make this financial information, financial literacy, all

1220
01:00:12,640 --> 01:00:15,520
Speaker 6: that type of stuffs. Make this information accessible to all

1221
01:00:15,680 --> 01:00:18,880
Speaker 6: for free. And so this class was really a pilot

1222
01:00:19,120 --> 01:00:24,720
Speaker 6: and just a launching point to build and to figure

1223
01:00:24,720 --> 01:00:26,560
Speaker 6: out what works and all of that type of stuff.

1224
01:00:26,600 --> 01:00:28,800
Speaker 1: But what we did our second and last.

1225
01:00:28,600 --> 01:00:30,400
Speaker 6: Class, we had a bunch of high school students from

1226
01:00:30,440 --> 01:00:35,920
Speaker 6: Philly come in and then my students taught those students

1227
01:00:36,480 --> 01:00:38,960
Speaker 6: these different we had five different topics, but taught them

1228
01:00:39,000 --> 01:00:39,360
Speaker 6: this stuff.

1229
01:00:39,400 --> 01:00:42,440
Speaker 1: And one the reason for that was me.

1230
01:00:42,880 --> 01:00:44,760
Speaker 6: I it's not that I don't care about grades, but

1231
01:00:44,920 --> 01:00:47,640
Speaker 6: I don't care about grades is for two. It's more

1232
01:00:47,680 --> 01:00:50,720
Speaker 6: of like I feel like, if you can teach someone

1233
01:00:51,760 --> 01:00:55,120
Speaker 6: how to teach or no, so not how to teach.

1234
01:00:55,400 --> 01:00:59,000
Speaker 6: I wanted to teach them how to teach this information

1235
01:00:59,120 --> 01:01:02,320
Speaker 6: to other people that they learned. Yeah, so like I

1236
01:01:02,440 --> 01:01:04,760
Speaker 6: want you to be able to share this information with

1237
01:01:04,960 --> 01:01:07,360
Speaker 6: your cousin, your family, your mother, your sister, your brother,

1238
01:01:07,880 --> 01:01:10,680
Speaker 6: and spread this information a similar way that I'm doing it.

1239
01:01:10,720 --> 01:01:14,520
Speaker 6: To my family, give your family access to change their

1240
01:01:14,560 --> 01:01:18,320
Speaker 6: own lives, right as opposed to Sadly, what we do

1241
01:01:18,400 --> 01:01:21,120
Speaker 6: in society is we get information, and now it's my information.

1242
01:01:21,560 --> 01:01:23,400
Speaker 6: I'm gonna get a leg up on you where it's

1243
01:01:23,480 --> 01:01:27,640
Speaker 6: like I'm you're not my competition. Right. So we had

1244
01:01:27,920 --> 01:01:30,520
Speaker 6: our students teach it to high school students because of one,

1245
01:01:30,560 --> 01:01:32,240
Speaker 6: I figured if you can break it down on a

1246
01:01:32,320 --> 01:01:34,280
Speaker 6: high school level, then you probably have a pretty good

1247
01:01:34,640 --> 01:01:39,800
Speaker 6: understanding of it. But two, it also just is giving

1248
01:01:39,880 --> 01:01:42,720
Speaker 6: us that ripple effect as a classroom. And when I

1249
01:01:42,840 --> 01:01:45,520
Speaker 6: tell you you've got these, one of the biggest things

1250
01:01:45,560 --> 01:01:49,200
Speaker 6: that schools or people push back on is, oh, man,

1251
01:01:49,280 --> 01:01:51,400
Speaker 6: you don't you know people already know this information?

1252
01:01:51,520 --> 01:01:51,680
Speaker 5: You know?

1253
01:01:52,320 --> 01:01:56,080
Speaker 1: And you're like, no, we don't. When did I learn it?

1254
01:01:56,160 --> 01:01:57,040
Speaker 1: When did you teach it to me?

1255
01:01:57,200 --> 01:01:58,840
Speaker 6: Right? Like, if nobody ever taught me I told this

1256
01:01:59,360 --> 01:02:01,520
Speaker 6: to the students, Well, nobody ever told you. If I

1257
01:02:01,560 --> 01:02:03,440
Speaker 6: asked you what two plus two is, you're like, man,

1258
01:02:03,480 --> 01:02:05,880
Speaker 6: that's a stupid question, right, you've learned that. If I

1259
01:02:06,000 --> 01:02:07,880
Speaker 6: asked you like, okay, well, how do you buy your

1260
01:02:07,880 --> 01:02:08,720
Speaker 6: first house? Right?

1261
01:02:08,800 --> 01:02:09,400
Speaker 1: Like, what do you need?

1262
01:02:10,320 --> 01:02:10,440
Speaker 3: Uh?

1263
01:02:11,280 --> 01:02:14,160
Speaker 6: Well, you probably need it? If I ask you, what's

1264
01:02:14,160 --> 01:02:15,040
Speaker 6: the four to one k? Right?

1265
01:02:15,440 --> 01:02:17,320
Speaker 1: Well, you know some people people might be.

1266
01:02:17,320 --> 01:02:18,080
Speaker 6: Like, well you should know that.

1267
01:02:18,520 --> 01:02:20,200
Speaker 3: How who taught me?

1268
01:02:20,360 --> 01:02:22,080
Speaker 4: And that's what that's something that because you know, I

1269
01:02:22,160 --> 01:02:25,400
Speaker 4: post videos sometimes and me teaching, and some it's always

1270
01:02:25,440 --> 01:02:27,720
Speaker 4: a couple of comments like, well, financial literacy shouldn't be

1271
01:02:27,800 --> 01:02:28,440
Speaker 4: taught in school.

1272
01:02:28,600 --> 01:02:31,280
Speaker 3: We shouldn't rely on schools. People should be teaching at home.

1273
01:02:31,600 --> 01:02:34,800
Speaker 4: True of course, but if your parents aren't prepared to

1274
01:02:34,880 --> 01:02:37,120
Speaker 4: teach you, then what about those kids? And that's the

1275
01:02:37,280 --> 01:02:40,520
Speaker 4: vast majority of kids, right, So it's like, okay, well, yeah,

1276
01:02:40,600 --> 01:02:42,680
Speaker 4: of course everything should be taught at home. But if

1277
01:02:42,720 --> 01:02:44,200
Speaker 4: that's the case, what's the point of even going to

1278
01:02:44,240 --> 01:02:46,800
Speaker 4: school to teach our kids everything at.

1279
01:02:46,920 --> 01:02:49,360
Speaker 7: Like working in the education system, right, this is like

1280
01:02:49,440 --> 01:02:51,480
Speaker 7: my seventeenth year in education. But that was part of

1281
01:02:51,480 --> 01:02:53,520
Speaker 7: the reason when I was like, shoty, I'm like, look,

1282
01:02:54,000 --> 01:02:56,520
Speaker 7: I need your help, Like you're a financial advisor, I

1283
01:02:56,600 --> 01:02:59,600
Speaker 7: need your help, Like I know that these kids aren't learning,

1284
01:02:59,640 --> 01:03:02,160
Speaker 7: and like I was doing a disservice. So I'm like,

1285
01:03:02,160 --> 01:03:04,600
Speaker 7: all right, well I have six weeks to help these kids, right,

1286
01:03:04,960 --> 01:03:07,080
Speaker 7: And I was like, listen, I need your help. Come

1287
01:03:07,160 --> 01:03:09,840
Speaker 7: in and just teach these kids these lessons, and it

1288
01:03:10,000 --> 01:03:12,120
Speaker 7: was like when we started seeing the return on it

1289
01:03:12,320 --> 01:03:14,280
Speaker 7: every year, it was like, oh, this is amazing.

1290
01:03:14,720 --> 01:03:14,840
Speaker 5: Right.

1291
01:03:14,920 --> 01:03:17,280
Speaker 7: So like being in the system and no one is

1292
01:03:17,360 --> 01:03:19,200
Speaker 7: a disservice, like we got to give back. So like

1293
01:03:19,280 --> 01:03:22,280
Speaker 7: you going back to Philly to take kids, Like that's dope, right,

1294
01:03:22,320 --> 01:03:24,040
Speaker 7: and you're doing it at the college level, right, And

1295
01:03:25,240 --> 01:03:29,400
Speaker 7: our program is you know, from high school kids getting

1296
01:03:29,400 --> 01:03:31,920
Speaker 7: getting ready for college, but also this year we'll launching

1297
01:03:32,040 --> 01:03:34,920
Speaker 7: on for elementary school kids, right because the earlier they

1298
01:03:34,960 --> 01:03:35,959
Speaker 7: get the knowledge.

1299
01:03:36,000 --> 01:03:38,000
Speaker 5: Now their parents can learn, and these kids are learning,

1300
01:03:38,040 --> 01:03:39,760
Speaker 5: so they prepared. By the time we get to high school,

1301
01:03:39,960 --> 01:03:41,640
Speaker 5: they're going to be advanced.

1302
01:03:41,160 --> 01:03:44,480
Speaker 7: Right, right, So we're just trying to start earlier and earlier, right,

1303
01:03:44,520 --> 01:03:46,240
Speaker 7: and we need more people doing.

1304
01:03:46,160 --> 01:03:46,720
Speaker 5: That, right.

1305
01:03:46,800 --> 01:03:49,120
Speaker 7: So that's what drew us, like drew me for sure,

1306
01:03:49,200 --> 01:03:51,040
Speaker 7: Like five thirty in the morning, I'm reading, I'm like, oh,

1307
01:03:51,080 --> 01:03:52,920
Speaker 7: I got to meet this guy because he's on the

1308
01:03:53,000 --> 01:03:54,439
Speaker 7: same paths dope.

1309
01:03:54,480 --> 01:03:58,160
Speaker 4: And then also that my Lexcelna question leads right into

1310
01:03:58,160 --> 01:04:00,680
Speaker 4: as far as getting back right, we spoke about that

1311
01:04:00,720 --> 01:04:03,240
Speaker 4: off camp a little bit. Can you talk about that

1312
01:04:03,280 --> 01:04:05,080
Speaker 4: as far as like the importance of that and why

1313
01:04:05,160 --> 01:04:07,439
Speaker 4: because a lot of times people don't like you said.

1314
01:04:07,600 --> 01:04:09,120
Speaker 4: I think I read a book one time that we

1315
01:04:09,320 --> 01:04:12,880
Speaker 4: operate from an attitude of scarcity instead of abundance, meaning

1316
01:04:12,960 --> 01:04:15,040
Speaker 4: that it's like, Okay, if me and you from the

1317
01:04:15,080 --> 01:04:18,360
Speaker 4: same neighborhood you make it to the league, I'm gonna

1318
01:04:18,400 --> 01:04:20,880
Speaker 4: be depressed because I'm like, the percentage of somebody making

1319
01:04:20,920 --> 01:04:22,080
Speaker 4: it is like one out of one hundred.

1320
01:04:22,480 --> 01:04:25,000
Speaker 3: Now you made it, So now my percentage.

1321
01:04:24,600 --> 01:04:25,439
Speaker 5: Is like, I'm done.

1322
01:04:25,640 --> 01:04:26,160
Speaker 3: I can't make it.

1323
01:04:26,200 --> 01:04:28,200
Speaker 4: Statistically, It's like it's not a saying like yo, I'm

1324
01:04:28,200 --> 01:04:30,400
Speaker 4: gonna use you as an example that I can make it.

1325
01:04:30,960 --> 01:04:32,800
Speaker 4: So we look at that and it carries over them

1326
01:04:32,840 --> 01:04:35,000
Speaker 4: a lot of things like Okay, I got a million dollars.

1327
01:04:35,920 --> 01:04:37,600
Speaker 4: I can't teach somebody else how to make a million

1328
01:04:37,640 --> 01:04:40,840
Speaker 4: dollars because I've already beat the odds. So I can't

1329
01:04:41,240 --> 01:04:43,640
Speaker 4: diminish my eyes by trying to spread the wealth.

1330
01:04:43,720 --> 01:04:44,120
Speaker 3: You know what I mean.

1331
01:04:44,480 --> 01:04:47,960
Speaker 6: It's said, So yeah, my wife and I always start

1332
01:04:48,040 --> 01:04:49,880
Speaker 6: this foundation called Beyond the Basics.

1333
01:04:49,920 --> 01:04:52,160
Speaker 1: Scene is right here.

1334
01:04:52,280 --> 01:04:56,120
Speaker 6: We throw football camps, we take kids on shopping, screeze

1335
01:04:56,360 --> 01:04:59,440
Speaker 6: for Christmas, feed single parents Thanksgiving.

1336
01:04:59,560 --> 01:05:03,840
Speaker 1: I think that you know, that's just our heart and

1337
01:05:05,360 --> 01:05:06,960
Speaker 1: what we feel called to do.

1338
01:05:07,160 --> 01:05:10,120
Speaker 6: And that's actually like the best part of everything that

1339
01:05:10,200 --> 01:05:12,880
Speaker 6: I do. I feel like when it talks when you

1340
01:05:12,960 --> 01:05:17,200
Speaker 6: talk about giving back. Shared this with the students as well.

1341
01:05:17,240 --> 01:05:19,040
Speaker 6: I share this with people. I think that there's a

1342
01:05:19,120 --> 01:05:21,000
Speaker 6: lot of people in this world. This is the way

1343
01:05:21,040 --> 01:05:24,920
Speaker 6: I think of my life and whether I'm right wrong,

1344
01:05:25,600 --> 01:05:28,760
Speaker 6: and whatever I'm doing, I'm sharing it and I'm letting

1345
01:05:28,800 --> 01:05:32,120
Speaker 6: you know that. Hey, like I don't have all the answers,

1346
01:05:32,240 --> 01:05:33,880
Speaker 6: Like I told my students that the first day, I

1347
01:05:33,920 --> 01:05:37,120
Speaker 6: don't have all the answers, right, Like, there's there's experts

1348
01:05:37,440 --> 01:05:39,480
Speaker 6: for all of this information. That's the reason why you

1349
01:05:39,560 --> 01:05:42,560
Speaker 6: hire an accountant. That's the reason why you're hiring an

1350
01:05:42,600 --> 01:05:45,440
Speaker 6: investment an advisor, a financial advisor. That's the reason why

1351
01:05:45,480 --> 01:05:48,520
Speaker 6: you hire a credit repair specialist to handle these different

1352
01:05:48,760 --> 01:05:51,400
Speaker 6: tranches of your life, the reason why you hire a realtor. Like,

1353
01:05:51,840 --> 01:05:54,400
Speaker 6: I don't have all this information, but I will get

1354
01:05:54,440 --> 01:05:56,080
Speaker 6: the people in front of you. I have a little

1355
01:05:56,120 --> 01:05:59,200
Speaker 6: bit about all this stuff, and anything I don't know,

1356
01:05:59,320 --> 01:06:01,640
Speaker 6: we'll learn it on them the fly, right, Like, that's

1357
01:06:01,720 --> 01:06:05,480
Speaker 6: cool with me. I'll take that humble approach to teaching

1358
01:06:05,960 --> 01:06:08,840
Speaker 6: and to being a vessel. But what I always tell

1359
01:06:08,880 --> 01:06:11,360
Speaker 6: people is there's people who write these Tell All books.

1360
01:06:11,440 --> 01:06:13,560
Speaker 6: You know, they're fifty some years old. Right, this is

1361
01:06:13,600 --> 01:06:16,040
Speaker 6: how I mask my wealth and all that type of stuff.

1362
01:06:16,120 --> 01:06:16,240
Speaker 5: Right.

1363
01:06:16,760 --> 01:06:21,120
Speaker 6: And there's one there's a bunch of young kids who

1364
01:06:21,240 --> 01:06:23,120
Speaker 6: was reading that, well, I just read such and such book,

1365
01:06:23,160 --> 01:06:24,400
Speaker 6: and you know, now I'm gonna try to do it

1366
01:06:24,560 --> 01:06:27,000
Speaker 6: like this and this and this, right, which is great.

1367
01:06:27,240 --> 01:06:29,840
Speaker 1: You know, you're sharing that wealth of knowledge. I always

1368
01:06:29,960 --> 01:06:30,520
Speaker 1: think that.

1369
01:06:32,040 --> 01:06:35,160
Speaker 6: Those the person who wrote the book, the author's peers

1370
01:06:36,120 --> 01:06:37,919
Speaker 6: at that age group, we are probably looking at this dude,

1371
01:06:38,040 --> 01:06:41,320
Speaker 6: like a dude or woman, like why then you just

1372
01:06:41,360 --> 01:06:43,800
Speaker 6: share this stuff while you were doing it, right, Like

1373
01:06:45,160 --> 01:06:47,680
Speaker 6: why don't you tell me while you were taking these risks,

1374
01:06:48,000 --> 01:06:49,760
Speaker 6: so that now we can all be writing I Tell

1375
01:06:49,800 --> 01:06:51,600
Speaker 6: All books. We can all be on these shots, we

1376
01:06:51,640 --> 01:06:53,360
Speaker 6: can all be on this stuff, right. And that's what

1377
01:06:53,520 --> 01:06:57,160
Speaker 6: I'm like, all right, like, let's just let's just share

1378
01:06:57,200 --> 01:07:01,840
Speaker 6: as we go, right. And for me, it's about taking

1379
01:07:01,880 --> 01:07:06,480
Speaker 6: a humble approach, or making the information humble in the

1380
01:07:06,560 --> 01:07:10,200
Speaker 6: sense of like it's not overwhelming, it's not like there's

1381
01:07:10,240 --> 01:07:14,080
Speaker 6: certain things that are complex, you know, more complex than others.

1382
01:07:14,160 --> 01:07:18,360
Speaker 6: But all of this stuff is once you take some

1383
01:07:18,480 --> 01:07:21,400
Speaker 6: time and dive into it, you're just like what this is?

1384
01:07:21,720 --> 01:07:22,640
Speaker 3: You know, this can be.

1385
01:07:22,720 --> 01:07:25,439
Speaker 6: Easy, And I think that sadly, a lot of people

1386
01:07:25,600 --> 01:07:27,720
Speaker 6: trying to teach or a lot of people trying to

1387
01:07:29,080 --> 01:07:31,560
Speaker 6: and you know, we're not even talking about specifically giving back,

1388
01:07:32,920 --> 01:07:35,520
Speaker 6: but I look at the professor stuff as one of

1389
01:07:35,600 --> 01:07:40,040
Speaker 6: my versions of giving back. Absolutely education and a lot

1390
01:07:40,080 --> 01:07:45,360
Speaker 6: of people trying to teach or or give information they

1391
01:07:45,440 --> 01:07:47,040
Speaker 6: want you to think that what they do is rockets.

1392
01:07:47,720 --> 01:07:50,120
Speaker 7: You know how we can tell is giving back because

1393
01:07:50,520 --> 01:07:52,920
Speaker 7: you're doing it right. Those kids are being inspired and

1394
01:07:53,040 --> 01:07:54,120
Speaker 7: you'll never know the impact.

1395
01:07:54,520 --> 01:07:54,640
Speaker 6: Right.

1396
01:07:54,840 --> 01:07:56,480
Speaker 5: But there are a bunch of athletes who are looking

1397
01:07:56,520 --> 01:07:59,200
Speaker 5: at you like wow, like I could do that.

1398
01:07:59,360 --> 01:08:01,400
Speaker 7: I wish I could do that right, and their reason

1399
01:08:01,520 --> 01:08:03,160
Speaker 7: out like when we posted you, like a bunch of

1400
01:08:03,200 --> 01:08:04,400
Speaker 7: athletes were like, hey.

1401
01:08:04,600 --> 01:08:06,080
Speaker 4: Well we have a lot of shout out to the

1402
01:08:06,200 --> 01:08:09,040
Speaker 4: NFL For some reason, I don't know, but like half

1403
01:08:09,080 --> 01:08:12,200
Speaker 4: of the NFL follows us right our page. So we're

1404
01:08:12,200 --> 01:08:15,000
Speaker 4: getting more basketball players shout to Al Harrington, shout out

1405
01:08:15,040 --> 01:08:16,960
Speaker 4: to a couple of other league guys in the League.

1406
01:08:16,960 --> 01:08:19,080
Speaker 4: But I'm proud of the NFL guys because they're really

1407
01:08:19,160 --> 01:08:20,600
Speaker 4: taking financial literacy.

1408
01:08:20,320 --> 01:08:22,600
Speaker 5: Serious and they I don't think it's a coincidence.

1409
01:08:24,320 --> 01:08:26,560
Speaker 4: And what you said was key as far as to

1410
01:08:26,640 --> 01:08:29,160
Speaker 4: make the information understandable to the people. And I think

1411
01:08:29,200 --> 01:08:31,439
Speaker 4: that's one of the driving forces behind our podcast, is

1412
01:08:31,520 --> 01:08:36,560
Speaker 4: that our people don't really want to read Barons and

1413
01:08:37,240 --> 01:08:38,920
Speaker 4: even I don't really want to read Baron. I'm fall

1414
01:08:38,920 --> 01:08:40,280
Speaker 4: asleep when I'm reading there, you know what I mean.

1415
01:08:40,280 --> 01:08:40,600
Speaker 3: It's like.

1416
01:08:41,160 --> 01:08:44,080
Speaker 4: But the information that we deliver, they know that it's

1417
01:08:44,120 --> 01:08:46,080
Speaker 4: like a conversation they can have in a barbershop, but

1418
01:08:46,200 --> 01:08:48,920
Speaker 4: these conversations aren't being had at the barbershop. So now

1419
01:08:48,960 --> 01:08:50,840
Speaker 4: they can tune in once a week and they can

1420
01:08:50,920 --> 01:08:53,080
Speaker 4: check it out and they and the good thing about

1421
01:08:53,280 --> 01:08:56,680
Speaker 4: our platform is that everybody that we are bringing in

1422
01:08:57,160 --> 01:08:59,240
Speaker 4: are from different walks of life, different areas, but the

1423
01:08:59,360 --> 01:09:01,439
Speaker 4: one common that it is that they all are willing

1424
01:09:01,560 --> 01:09:04,680
Speaker 4: to share time and give out free game. And that's

1425
01:09:04,680 --> 01:09:08,000
Speaker 4: what you just did and it's commendable. So first and foremost,

1426
01:09:08,040 --> 01:09:11,360
Speaker 4: we want to thank you for coming, and can you

1427
01:09:11,479 --> 01:09:14,320
Speaker 4: tell people how to contact you and the initiatives your

1428
01:09:14,640 --> 01:09:16,160
Speaker 4: camp all that all that information.

1429
01:09:16,280 --> 01:09:18,800
Speaker 6: Yeah man, I'll keep it keep it short. So you

1430
01:09:18,880 --> 01:09:21,719
Speaker 6: can reach out to me at at B. Cooke fifty

1431
01:09:21,800 --> 01:09:24,120
Speaker 6: one b C O P E five one on Instagram.

1432
01:09:24,840 --> 01:09:28,920
Speaker 6: I also have a website www dot bcopeland dot com.

1433
01:09:29,760 --> 01:09:32,840
Speaker 6: There's a contact section right there. It'll get directly to me.

1434
01:09:34,040 --> 01:09:36,559
Speaker 6: We have a football camp coming up this summer in Baltimore.

1435
01:09:36,880 --> 01:09:39,360
Speaker 6: Free Football Camp for the youth. Will probably have about

1436
01:09:39,439 --> 01:09:42,200
Speaker 6: five hundred kids this year, which is crazy to see

1437
01:09:42,200 --> 01:09:45,479
Speaker 6: the grow. Our camp is older than is longer than

1438
01:09:45,520 --> 01:09:48,000
Speaker 6: the average NFL lifespan right now, so we're going in

1439
01:09:48,040 --> 01:09:49,880
Speaker 6: the year four, which is crazy. But we do a

1440
01:09:49,920 --> 01:09:53,559
Speaker 6: lot of different we Our camp is literally not about football.

1441
01:09:53,640 --> 01:09:56,960
Speaker 6: We we have a thousand book bags that the kids

1442
01:09:57,080 --> 01:09:59,680
Speaker 6: put together and a thousand hygien kids that the kids

1443
01:09:59,720 --> 01:10:02,120
Speaker 6: put together and they distribute out to their own city.

1444
01:10:02,479 --> 01:10:05,120
Speaker 6: Right so now we're encouraging them to get back early

1445
01:10:05,240 --> 01:10:07,800
Speaker 6: and understanding that it's not just writing a check, it's

1446
01:10:07,880 --> 01:10:10,360
Speaker 6: not about that, it's about time, it's about efforts, about

1447
01:10:10,400 --> 01:10:14,760
Speaker 6: passion and uh and yeah man, we just continue to

1448
01:10:14,760 --> 01:10:16,680
Speaker 6: build this empire, continue to try to get out this

1449
01:10:16,880 --> 01:10:20,960
Speaker 6: financial literacy and fo along with you all and help change.

1450
01:10:20,720 --> 01:10:24,400
Speaker 4: The world, collaboration is better than competition, as my man

1451
01:10:24,479 --> 01:10:27,439
Speaker 4: Max the Mad, So you know, that's that's what we're doing.

1452
01:10:27,479 --> 01:10:27,639
Speaker 3: Man.

1453
01:10:27,880 --> 01:10:29,519
Speaker 4: That's another thing that we want to show as well,

1454
01:10:29,560 --> 01:10:31,799
Speaker 4: as far as we don't have to be in competition

1455
01:10:31,880 --> 01:10:34,120
Speaker 4: with each other, you can work with each It's actually

1456
01:10:34,320 --> 01:10:35,840
Speaker 4: more beneficial to work with somebody.

1457
01:10:35,880 --> 01:10:36,439
Speaker 5: And it's fun.

1458
01:10:36,479 --> 01:10:38,519
Speaker 7: Man, it's fun because like every time we sit down

1459
01:10:38,560 --> 01:10:40,519
Speaker 7: with the guests, like we're learning to we learned something

1460
01:10:40,560 --> 01:10:43,280
Speaker 7: like we're learning as you speak, and when we listen back,

1461
01:10:43,280 --> 01:10:45,439
Speaker 7: we're like, wow, that's a gem. I hope everybody heard

1462
01:10:45,439 --> 01:10:47,160
Speaker 7: that on because that's what we used to do it

1463
01:10:47,320 --> 01:10:49,559
Speaker 7: like lyrics, Like we would listen to it and I'm like, yo,

1464
01:10:49,600 --> 01:10:50,720
Speaker 7: you heard what he said.

1465
01:10:51,080 --> 01:10:52,880
Speaker 5: And then we realized that every yeah, we want that,

1466
01:10:52,960 --> 01:10:54,559
Speaker 5: Like everybody didn't hear it the same way.

1467
01:10:54,600 --> 01:10:56,320
Speaker 7: And it was like, all right, well that's what we're

1468
01:10:56,320 --> 01:10:58,040
Speaker 7: going to do the finance like we're gonna wait, I

1469
01:10:58,080 --> 01:11:00,400
Speaker 7: don't think they're hearing it the same so let's explain it, right,

1470
01:11:00,479 --> 01:11:00,880
Speaker 7: you know what I mean?

1471
01:11:01,080 --> 01:11:05,519
Speaker 6: He coded, Yeah, you're doing a great job of taking

1472
01:11:05,600 --> 01:11:07,639
Speaker 6: the time to do that, right. A lot of people

1473
01:11:07,720 --> 01:11:08,800
Speaker 6: they just spit it at you.

1474
01:11:08,880 --> 01:11:09,559
Speaker 1: If you pick it up.

1475
01:11:09,680 --> 01:11:10,200
Speaker 5: You pick it up.

1476
01:11:10,240 --> 01:11:11,439
Speaker 1: If you didn't, it's on you.

1477
01:11:11,680 --> 01:11:13,879
Speaker 6: And I think that you guys are doing an amazing

1478
01:11:14,000 --> 01:11:15,840
Speaker 6: job of like like you said, taking the time to

1479
01:11:15,920 --> 01:11:18,800
Speaker 6: decode it, taking the time to humble it, and uh,

1480
01:11:19,280 --> 01:11:21,600
Speaker 6: you know, egos out the out the door, creating that

1481
01:11:21,760 --> 01:11:27,880
Speaker 6: non judgmental zone. It's crucial so that we can have

1482
01:11:28,040 --> 01:11:32,080
Speaker 6: these conversations because just by having a conversation, you end

1483
01:11:32,200 --> 01:11:35,799
Speaker 6: up learning. You know, you might even go in the conversation.

1484
01:11:35,880 --> 01:11:38,200
Speaker 6: I have conversations with people about finance now and you're

1485
01:11:38,240 --> 01:11:40,920
Speaker 6: not even there was no intent in the conbo. We

1486
01:11:41,000 --> 01:11:43,280
Speaker 6: weren't talking, we weren't supposed to be talking about real estate.

1487
01:11:43,320 --> 01:11:45,960
Speaker 6: Were just talking about mindset, and somehow it never leads

1488
01:11:46,120 --> 01:11:49,479
Speaker 6: us to one of us learning something that might save

1489
01:11:49,560 --> 01:11:51,559
Speaker 6: us some money, save us some interest on the Morgans

1490
01:11:51,960 --> 01:11:54,439
Speaker 6: or something like that. So that's a beautiful thing. And

1491
01:11:55,520 --> 01:11:58,880
Speaker 6: to continue to create that environment, y'all are y'all are

1492
01:11:58,960 --> 01:11:59,439
Speaker 6: leading away?

1493
01:11:59,520 --> 01:12:01,120
Speaker 5: So I appreciate.

1494
01:12:02,479 --> 01:12:02,839
Speaker 3: Patreon.

1495
01:12:03,000 --> 01:12:06,080
Speaker 5: Yeah, man, so Patreon it is doing pretty well. You know,

1496
01:12:06,520 --> 01:12:07,879
Speaker 5: we explain it every episode.

1497
01:12:07,960 --> 01:12:10,600
Speaker 7: It's a way to financially support the podcast so that

1498
01:12:10,720 --> 01:12:13,200
Speaker 7: we could come to your city or do things in

1499
01:12:13,760 --> 01:12:14,200
Speaker 7: our city.

1500
01:12:14,360 --> 01:12:16,960
Speaker 5: You know that can uplift people and give them more information.

1501
01:12:18,240 --> 01:12:19,519
Speaker 5: You know, we have five different tiers.

1502
01:12:19,600 --> 01:12:21,719
Speaker 7: You can join at any tiers starts like two dollars

1503
01:12:21,760 --> 01:12:24,000
Speaker 7: if you like, for just general things, and then as

1504
01:12:24,080 --> 01:12:26,719
Speaker 7: you you add more to the tears, you get more things.

1505
01:12:27,080 --> 01:12:28,040
Speaker 5: So we got some new members.

1506
01:12:28,720 --> 01:12:30,640
Speaker 7: Shout out to Cody, and shout out to Terry and

1507
01:12:30,760 --> 01:12:33,720
Speaker 7: Savannah and t and our newest member, VICKI. Shout out

1508
01:12:33,760 --> 01:12:36,360
Speaker 7: to you for joining. We look forward to having our

1509
01:12:36,439 --> 01:12:39,240
Speaker 7: video conference with you in the very near future. Yeah,

1510
01:12:39,360 --> 01:12:42,880
Speaker 7: but you know, keep supporting Patreon. Our merch is up

1511
01:12:43,040 --> 01:12:45,960
Speaker 7: on our website or a leisure dot com. You know,

1512
01:12:46,120 --> 01:12:47,960
Speaker 7: like I said, season two, we got some new new

1513
01:12:48,040 --> 01:12:51,080
Speaker 7: things coming out, so be on the lookout for that reliability.

1514
01:12:51,280 --> 01:12:51,439
Speaker 3: Yeah.

1515
01:12:51,520 --> 01:12:54,200
Speaker 5: Yeah, civilized really share.

1516
01:12:55,560 --> 01:12:56,880
Speaker 3: That's the slogan that we're running with.

1517
01:12:57,000 --> 01:13:00,160
Speaker 7: I got the podcast t shirt on. It's funny like

1518
01:13:00,200 --> 01:13:02,599
Speaker 7: every like we walk out and people are looking they're like, wait,

1519
01:13:03,160 --> 01:13:04,240
Speaker 7: is that you good?

1520
01:13:04,280 --> 01:13:04,479
Speaker 5: Sure?

1521
01:13:05,000 --> 01:13:07,920
Speaker 7: And you know it's a conversation starter, like we know

1522
01:13:08,000 --> 01:13:10,880
Speaker 7: that people are looking at what we're wearing all the time.

1523
01:13:11,000 --> 01:13:11,639
Speaker 5: That's our culture.

1524
01:13:11,760 --> 01:13:13,680
Speaker 7: Like we're gonna watch to see what you have on

1525
01:13:13,840 --> 01:13:16,479
Speaker 7: first and then we'll start a conversation after that, so

1526
01:13:16,720 --> 01:13:18,080
Speaker 7: we might as well give them a good message.

1527
01:13:18,200 --> 01:13:20,479
Speaker 4: So before we leave, my book tip of the week is,

1528
01:13:21,160 --> 01:13:24,160
Speaker 4: I'm currently so all right. Valencia is the teacher that

1529
01:13:24,200 --> 01:13:25,920
Speaker 4: we had on She Let the Cat Out to Day.

1530
01:13:25,960 --> 01:13:28,080
Speaker 4: I don't actually read these books. I listen to audiobooks,

1531
01:13:28,120 --> 01:13:31,200
Speaker 4: say so. My audiobook that I'm listening to right now

1532
01:13:31,600 --> 01:13:34,599
Speaker 4: is called The Smartest Guys in the Room. It's about

1533
01:13:34,640 --> 01:13:37,840
Speaker 4: the end Run debacle scandal. So if you're into that

1534
01:13:39,600 --> 01:13:42,479
Speaker 4: kind of thing, I highly recommend it this. It's interesting,

1535
01:13:42,560 --> 01:13:45,200
Speaker 4: it's entertaining, and it talks about how the financial system

1536
01:13:45,240 --> 01:13:48,519
Speaker 4: can go wrong and how greed can lead to very

1537
01:13:48,560 --> 01:13:49,120
Speaker 4: bad things.

1538
01:13:49,240 --> 01:13:51,519
Speaker 3: So that is my book tip.

1539
01:13:51,840 --> 01:13:53,200
Speaker 7: Let me can I give him a quote? Because I

1540
01:13:53,280 --> 01:13:55,560
Speaker 7: heard Brandon said and I was like, oh man, I

1541
01:13:55,560 --> 01:13:57,720
Speaker 7: got give them this line. So I'm a quote she

1542
01:13:57,920 --> 01:14:00,400
Speaker 7: lose from the lock Channel and I want full shot

1543
01:14:00,400 --> 01:14:02,719
Speaker 7: out the younkers. But he said, plan for your future

1544
01:14:02,760 --> 01:14:05,160
Speaker 7: because you're going to be older a lot longer than you're.

1545
01:14:05,040 --> 01:14:05,599
Speaker 5: Gonna be younger.

1546
01:14:05,840 --> 01:14:08,040
Speaker 3: And I was like, money power, respect, money.

1547
01:14:07,840 --> 01:14:10,760
Speaker 7: Power respect, right, because that's important, right, Like how much

1548
01:14:10,880 --> 01:14:12,280
Speaker 7: time do you have to be young? Like I think

1549
01:14:12,360 --> 01:14:14,679
Speaker 7: you said that, like at twenty five, are you young?

1550
01:14:15,560 --> 01:14:17,679
Speaker 5: Right? But you still got fifty plus years.

1551
01:14:17,840 --> 01:14:21,920
Speaker 7: You know, God blessed to be a functioning person in life,

1552
01:14:22,240 --> 01:14:23,960
Speaker 7: So you're gonna be older a lot longer you're.

1553
01:14:23,880 --> 01:14:26,240
Speaker 5: Gonna be younger, So you got to plan accordingly.

1554
01:14:25,840 --> 01:14:28,439
Speaker 3: Man plan accordingly. That's a fact. So once again, thank

1555
01:14:28,439 --> 01:14:30,679
Speaker 3: you guys for rocking with us. We'll see you next week. Piece.

1556
01:14:57,600 --> 01:15:00,360
Speaker 8: Hi, I'm Shary from Life Source Water. Did you know

1557
01:15:00,479 --> 01:15:04,080
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1558
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1559
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1560
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1561
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1562
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