Speaker 1: Hey, y'all, faris Rucker here.
Speaker 2: You know a lot of people ask me what inspires
Speaker 2: your music, and one of the big things is a
Speaker 2: strong sense of place. That's why I love my home
Speaker 2: states of South Carolina and want to share the awesome
Speaker 2: things that has to offer, from the beautiful mountains down
Speaker 2: to the sunny coast. It's got it all, not to
Speaker 2: mention two of my personal favorites, great golf and amazing food.
Speaker 2: Come see why I love this place. Visit discover south
Speaker 2: Carolina dot com.
Speaker 3: Damn you did sell all.
Speaker 4: Right, welcome back, Earn you Alsia Episode nineteen, almost twenty
Speaker 4: weeks in.
Speaker 5: It was all a dream? Is this?
Speaker 3: This is crazy? This is crazy.
Speaker 4: Now we want to thank you guys for rocking with us,
Speaker 4: for supporting us. You know, it's it's been a tremendous journey.
Speaker 4: Hell of arrived, man, and it just started. That's the
Speaker 4: best part. So I'm gonna jump right into We got
Speaker 4: an extremely special guest today once again, somebody that so
Speaker 4: we if you listen to the podcast, you know we
Speaker 4: interviewed Al Harrington.
Speaker 3: Right.
Speaker 4: Al Harrington was somebody that we wrote a post about
Speaker 4: and then from that post, he you know, engaged with
Speaker 4: us and then we we we reached out to him
Speaker 4: and we went to l A and we actually had
Speaker 4: a conversation with him right on the podcast. So once
Speaker 4: again similar situation.
Speaker 5: Right, you want to get the backstart the power.
Speaker 6: Yeah.
Speaker 7: Yeah, So this is this is the you know, uh,
Speaker 7: standard procedure for us is like, I'll read articles at
Speaker 7: five thirty in the morning. I think we spoke about
Speaker 7: that on when we were with Q and I'll go
Speaker 7: through articles and I'll find, you know, things that are
Speaker 7: very interesting and i think would relate on our page.
Speaker 7: And I came across this article about Brandon Copeland and
Speaker 7: I'm like, wait, wow, this guy's amazing.
Speaker 5: And literally as I'm reading it, there's a special on
Speaker 5: Sports Center.
Speaker 7: And I'm like, oh, no, no, no, this guy is
Speaker 7: on the same path as us. We have to meet
Speaker 7: this guy. We have to talk to this guy. And
Speaker 7: said it to you like five thirty in the morning.
Speaker 7: I know you're sleeping, but I'm like, he has to
Speaker 7: see this. And as soon as you woke up, you
Speaker 7: put the post up and the traction was crazy.
Speaker 3: Yeah, it was one of our biggest posts.
Speaker 4: So Brandon Coplan, if you're not familiar, he plays for
Speaker 4: the Jets.
Speaker 3: But that's the only part of his story. He is
Speaker 3: a U.
Speaker 4: Penn graduate, if anybody's not familiar, Upinn has one of
Speaker 4: the best business business schools in the world, the Wharton
Speaker 4: School of Business. So that's you know, separates him from
Speaker 4: a lot of NFL players. But also he works on
Speaker 4: Wall Street during the off season. He has a real
Speaker 4: estate investment company, and he actually is a college professor
Speaker 4: at Warton. So when I was reading his story, I'm like,
Speaker 4: this is crazy, Like you know what I mean, Like
Speaker 4: we highlight bad things with you know, people make mistakes
Speaker 4: in any realm, but it seems like athletes always get
Speaker 4: highlighted the most, right anytime that this is domestic violence,
Speaker 4: anything like that happens. So it's like we need to
Speaker 4: highlight this like this this is just a dope story.
Speaker 4: So I put the story out and once again I
Speaker 4: put in this story, I'm like, y'all would love to
Speaker 4: connect with you, and he.
Speaker 3: Was like, yeah, let's connect. So I was like what.
Speaker 4: So I shot with DM and we worked it out
Speaker 4: via you know, emails, and now we hate on our podcast. So,
Speaker 4: like you said, power social media, social media. So first
Speaker 4: of almost thank you, thank.
Speaker 6: You pleasure to be here, pleasure to be with y'all.
Speaker 6: I love what y'all are doing.
Speaker 3: Man, We're gonna jump right into it.
Speaker 4: So all right, So the theme of our show is
Speaker 4: the backstory the financial side of sports entertainment business as well.
Speaker 4: But we we really focus on sports entertainment a lot
Speaker 4: because we feel like, especially in our culture, people don't
Speaker 4: fully understand what goes on behind the scenes, right, Like
Speaker 4: everybody wants to be in the NBA, NFL or sell
Speaker 4: a million records, but they don't understand that these are businesses, right,
Speaker 4: It's sports business, the music business, the entertainment business.
Speaker 1: Right.
Speaker 5: That part gets left off the title.
Speaker 3: It always does. It always does, it always does.
Speaker 4: So you have a very interesting story, and we was
Speaker 4: reading it, you know, the last couple of days. So
Speaker 4: you said your first contract, correct me if I'm wrong.
Speaker 4: You made your contract with from one point two million. Yeah,
Speaker 4: I was good, But now you have like thirty five
Speaker 4: forty thousand. Yeah, So yeah, can we just kind of
Speaker 4: break that down because to me, it's interesting as far
Speaker 4: as like NFL players, because you have an off season,
Speaker 4: so a lot of people don't aren't familiar, like do
Speaker 4: you get paid on the off season or how frequent
Speaker 4: do you get paid. And then there's a thing called
Speaker 4: the jock tax when you go to different states and
Speaker 4: you get taxed differently. It's not all so yeah, can
Speaker 4: you kind of just break that down?
Speaker 6: Yeah, man, there's layers to that, layers. So yeah, So
Speaker 6: the way I think of the NFL is nothing is
Speaker 6: guarantee he unless you have certain stipulations within your contract
Speaker 6: and all that type of stuff.
Speaker 1: Right, So if you're one of those players, which is you.
Speaker 6: Know, more players are seeing that, that's a great thing
Speaker 6: and a blessing to have. But when you see these
Speaker 6: big contracts, you know, Russell Wilson one hundred and forty million,
Speaker 6: I can't remember how much guaranteed, maybe sixty five or
Speaker 6: something sixty quaranteed, right, that's what he can bank on, right,
Speaker 6: you see the big number. But if Russell Wilson gets
Speaker 6: hurt in year four, year five, whatever, right, he's not
Speaker 6: seeing the rest of that money potentially. So that's different
Speaker 6: from basketball. That's different from baseball and other sports. So
Speaker 6: as I entered the league in twenty thirteen, I was
Speaker 6: undrafted out of University of Pennsylvania.
Speaker 1: I remember the Baltimore.
Speaker 6: Ravens called me my hometown team. I'm like, man, seek
Speaker 6: to be quite honest with you, I was pissed off, right,
Speaker 6: Not because I was pissed off that I didn't get drafted.
Speaker 6: That was really what it was, right, and it just
Speaker 6: had a big chip on my shoulder. So for me,
Speaker 6: I've been fortunate to just have this lens on life
Speaker 6: and perspective where I'm not really a fan of too
Speaker 6: much or anyone. So I remember, as a rookie enter
Speaker 6: in the locker room, and this is my hometown team.
Speaker 6: These are the guys I looked up to growing up,
Speaker 6: and I remember this is fresh off of Super Bowl,
Speaker 6: Fresh off of Super Bowl. I remember, actually, you know what,
Speaker 6: the perfect story that might describe me. As my agent
Speaker 6: at the time, he took us out right before the draft,
Speaker 6: took us out in New York to some club up
Speaker 6: there to just celebrate that night before the draft of
Speaker 6: like all the work you put in and all that
Speaker 6: type of stuff. And I remember, you know, like I said,
Speaker 6: I grew up in Baltimore, that purple and black, you know.
Speaker 6: I remember being in the house and seeing them, you know,
Speaker 6: win the Super Bowl and bragging all my roommates and
Speaker 6: all that type of stuff, wearing that with pride and
Speaker 6: in the club. That for me was like my introduction
Speaker 6: to the NFL, even though I wasn't even in it
Speaker 6: at the time. But you had all of these different
Speaker 6: That was when the draft was still in New York,
Speaker 6: so you had all these different rappers and in different sections.
Speaker 6: My agent had gotten us a section. I wasn't spending anyone.
Speaker 1: My agent got as a section.
Speaker 6: And the other guys there where you had Adrian Peterson
Speaker 6: with a section, Ludacris across the way g Z, and
Speaker 6: there was ray Rice, and I remember Ray Rice walked
Speaker 6: up and I remember speaking to him and I'm like, yo,
Speaker 6: I just want to say, you know, you really put
Speaker 6: on for the city. That was amazing what y'all did. Man, Like,
Speaker 6: I appreciate you, respect you. But a couple of days
Speaker 6: like I'm gonna be in the NFL.
Speaker 3: Too, so.
Speaker 6: Ain't none of that fan the war right, like we competition, right,
Speaker 6: But before that, I want to tell you how much
Speaker 6: I respect you. So anyway, I say all that to
Speaker 6: say a few days later, I get the call go
Speaker 6: to the Ravens. Had that chip on my shoulder. But
Speaker 6: the weird thing about the NFL is like I said,
Speaker 6: I keep it. I've been blessed to be able to
Speaker 6: keep things in a perspective and understand that, Okay, I
Speaker 6: just got this call that says, hey, you're get a
Speaker 6: chance to sign up and you're a Baltimore Raven. Now, no,
Speaker 6: I'm not right, Like, there's still another step to actually
Speaker 6: make the fifty three or to make practice squad whatever.
Speaker 1: Right.
Speaker 6: Sadly, there's a lot of guys who are like, oh,
Speaker 6: I'm in it. No, right, Like the next week you
Speaker 6: might be cut, or after this rookie mini camp you
Speaker 6: might be cut. Right, So at that time, again, like
Speaker 6: I said, I signed a three year, one point two
Speaker 6: million dollar deal. However I got cut going into the
Speaker 6: actual season, made it all through preseason and all that stuff,
Speaker 6: got cut going into the actual season, and that jumped
Speaker 6: my money down to a practice squad guy. After four weeks,
Speaker 6: I got cut from Baltimore, So I really got four
Speaker 6: weeks of pay. And then again, I mean there were
Speaker 6: guys who got cut in the middle of training camp.
Speaker 6: There's guys who got cut after three days.
Speaker 7: So that there's a process after you get drafted, right,
Speaker 7: because that's even a little confusing, Right, there's OTAs that
Speaker 7: you have to make the tap. Then there is training
Speaker 7: camp that you have to make the team. Then you
Speaker 7: got four preseason game yeah, and so trying to make
Speaker 7: the team.
Speaker 5: Right.
Speaker 6: So the way I would think of it is you're
Speaker 6: never really on the team. You know, depending on who
Speaker 6: you are, you're never really on the team. Like I
Speaker 6: even joke with my students this semester and even right
Speaker 6: right now, like I could get this phone, go start ringing,
Speaker 6: Nigga call be like listen code, like did you bring
Speaker 6: your iPad up here? Like we were going in a
Speaker 6: different route, right, And that's just the nature of the beast. So,
Speaker 6: like you said, every single day, I mean they always
Speaker 6: say that every day is an interview, but like literally,
Speaker 6: like I think people don't understand that. Again, depending on
Speaker 6: who you are, right your first round, second round, you
Speaker 6: probably are guaranteed that first year, right, But that doesn't
Speaker 6: mean you're guaranteed three years from now, four years from now, right,
Speaker 6: And that's you. You just hope and pray that young
Speaker 6: guys come in and understand that. And me, fortunately I
Speaker 6: understood it. It was what motivated me to want to be
Speaker 6: great and make the team and still be here seven
Speaker 6: years later, right, But for a lot of guys, Like
Speaker 6: I remember rookie years, some guys would go to this
Speaker 6: mall across the street from our hotel, and I remember
Speaker 6: getting on Snapchat. Snap was like big at the time,
Speaker 6: and getting on there and they literally walking in there
Speaker 6: selfie videos stunting like we're about to census SAG And
Speaker 6: I'm like, bro, y'all all making the same thing I'm
Speaker 6: making right now, which is like like maybe one hundred
Speaker 6: and fifty bucks after all.
Speaker 4: Right, so you had a one point two million dollar contract,
Speaker 4: but then you four weeks in, you got demoted to
Speaker 4: practice team right.
Speaker 6: Now, so you get drafted or undrafted in the spring.
Speaker 6: So like our rookies just showed up this weekend. So
Speaker 6: where we may whatever we are right now, we train, train, training,
Speaker 6: you can be there's guys being cut, there's guys being signed.
Speaker 6: That entire time, like that roster is fluctuating. And then
Speaker 6: by the time you get the training camp, you start
Speaker 6: training camp in late July with ninety guys on the roster,
Speaker 6: that roster fluctuates a bit, and then by the end
Speaker 6: of August beginning of September, that roster cuts down to
Speaker 6: fifty three and then on top of that fifty three
Speaker 6: you have ten practice squad guys. I made it from
Speaker 6: that May all the way through to August. I got cut,
Speaker 6: became one of those practice squad guys where your salary
Speaker 6: goes from a minimum of like four hundred thirty thousand
Speaker 6: to one hundred thousand. And then four weeks later, four
Speaker 6: weeks into the season, that's when I got released from
Speaker 6: the team.
Speaker 5: And that's in Baltimore.
Speaker 6: That's in Baltimore.
Speaker 3: So none of that one point two million was guaranteed.
Speaker 3: None of it, not.
Speaker 5: Even I wish it looks good on paper.
Speaker 6: Though it looks good, it sounds good. So there's also
Speaker 6: that that's the problem that that that you see that
Speaker 6: headline and then the vultures come get your right family.
Speaker 5: Because now it's like on paper, look he's a millionaire.
Speaker 3: Yeah yeah, but that's interesting.
Speaker 4: I think people don't fully understand that, Like I can't
Speaker 4: drive that home. All right, You got a one point
Speaker 4: two million dollar contract. None of it was guaranteed. You
Speaker 4: probably netted. How much you net probably probably like thirty
Speaker 4: maybe that's.
Speaker 3: How much you made from the.
Speaker 6: Baltimore Ravens, Probably like thirty. Because in the spring I
Speaker 6: made money in the spring, so like right now, you
Speaker 6: might be making what maybe a couple hundred a week
Speaker 6: because they take your your hotel and stuff that's the
Speaker 6: team doesn't cover it. They cover it, but it's coming
Speaker 6: out of your dam type of thing. I cover it,
Speaker 6: but you just don't know, you know, you don't really
Speaker 6: have a yeah anyway, so you're making maybe a few
Speaker 6: hundred a week, and they cover your meals and all
Speaker 6: that stuff on the weekend, so you don't really have
Speaker 6: too many expenses. But then as you get to preseason,
Speaker 6: now you're making I want to say, seven hundred a
Speaker 6: week before taxes.
Speaker 3: So.
Speaker 6: You know, and that's what maybe five to six weeks,
Speaker 6: so you really like four you know, who knows what
Speaker 6: that is? Four hundred a week after all dollars done.
Speaker 6: Dollars yeah, dollars yeah. And then once the season hits.
Speaker 6: As a practice squad guy, I was making I was
Speaker 6: seeing about four k after taxes. I think my check
Speaker 6: was like seven thousand, seventy five hundred per week before,
Speaker 6: so about four thousand after and less did that for
Speaker 6: four weeks, so that's about sixteen right there. So I
Speaker 6: probably made a little less than thirty from the Baltimore
Speaker 6: Raisins and then two weeks later I got cut week four.
Speaker 6: Two weeks later, I got picked up by the Tennessee
Speaker 6: Titans practice squad with them for a bunch of weeks.
Speaker 6: I got cut by them. A lot of people don't
Speaker 6: know this too. It's like in my family, they understand.
Speaker 6: And it's so funny that so at Tuesday at four
Speaker 6: pm Eastern is when your money is guaranteed for the week.
Speaker 6: So for me and the way that my career has been,
Speaker 6: and I'm not superstitious, but I just I have certain things.
Speaker 1: I have my routine. My family knew.
Speaker 6: Don't call me Tuesday after four pm Eastern, right, So,
Speaker 6: and where's that come from? Like I've been cut at
Speaker 6: three fifty six pm Eastern wild, right.
Speaker 3: So you don't get paid, don't get paid.
Speaker 6: So if you get cut at four h one pm,
Speaker 6: I'm paid for that week if I don't. So when
Speaker 6: I was in Baltimore, they cut me on Wednesday morning
Speaker 6: because they were like, had were planning on bringing you back,
Speaker 6: you know, to showing good faith you, you know, we
Speaker 6: we like you, all that type of stuff. We just
Speaker 6: need to make some other roster changes. Blah blah, blah blah.
Speaker 6: So you know, take the time off, you know, go work,
Speaker 6: stay stay in shape, but we'll bring you back this week.
Speaker 6: Then still waiting on that. But then Tennessee one time,
Speaker 6: these dudes, man, I uh, it's funny. I went and
Speaker 6: did like a whole charity out event for him. I went,
Speaker 6: we went to a high school and uh, you know,
Speaker 6: Tennessee Titans jerseys and all that type of stuff. And
Speaker 6: on the way not on the way back. Later on
Speaker 6: that evening, I had some rehabs set up a massage
Speaker 6: appointment and it's three fifty six. I get the call.
Speaker 6: I'm like this random Tennessee number, pick up the phone
Speaker 6: and man, we need you to bring in your Oh man,
Speaker 6: y'all knew this before you send me on the event.
Speaker 4: The whole they sent you on, the whole charity thing
Speaker 4: and all that, And then they waited for minutes before
Speaker 4: the deadline of country.
Speaker 3: So you don't get paid for the week minutes?
Speaker 5: What about the massage? You have to cancel it another.
Speaker 6: To be quite honest with you, I told myself, I
Speaker 6: was like, I probably should cancer because I don't know
Speaker 6: when that next check you comes right right? You know what?
Speaker 1: Hey, man, you gotta.
Speaker 6: I probably need it right now, you know, I probably
Speaker 6: need to just relax. So uh so yeah, so my
Speaker 6: family literally they would know, don't call me on Tuesday.
Speaker 6: So literally at four to one, so years later, four
Speaker 6: one pm. Whenever I was good, I'd send them a
Speaker 6: bunch of gifts, a bunch of money, we count making
Speaker 6: it range and all that type of stuff. And then
Speaker 6: after you get to year five, uh, once that ball
Speaker 6: is kicked off in your first in the FO game,
Speaker 6: then you're guaranteed your salary for the whole year. So
Speaker 6: like last year, that veterans veteran, so last year was
Speaker 6: my first year having that. So after that first game,
Speaker 6: I just sent them like six to you know, sixteen
Speaker 6: different ones. But it's it's a lot of that goes
Speaker 6: into it, basically, you know, with what you're getting at
Speaker 6: is there's a lot that goes into it that people
Speaker 6: don't think about. They don't understand. Yes, you see that
Speaker 6: big contract, you see that big number, and that is great, right,
Speaker 6: but what are you really getting from that one? You
Speaker 6: got a fifty percent of it gone off.
Speaker 4: The talk about that because a lot of people don't
Speaker 4: fully understand how taxes work, right, and they're.
Speaker 3: Like, well, you should, you should set up corporation.
Speaker 4: Like their employees, they get paid, it's like how you
Speaker 4: get paid, right, so they don't have opportunity to defer
Speaker 4: the income.
Speaker 3: It's it's not an.
Speaker 6: Option, right, your boss ain't going for that exactly.
Speaker 4: So I because social media a lot of times people
Speaker 4: write that like, well they if they were smart, Like, no,
Speaker 4: it doesn't work like that, just like if you were smart,
Speaker 4: you were doing that, right, No, you don't have that option.
Speaker 4: So automatically fifty because you know how you tax. Automatically,
Speaker 4: fifty percent goes to tax gone off the red. Depending
Speaker 4: on what state you're in, it's even higher. Right then
Speaker 4: it's stay taxed. They take that out of your paycheck
Speaker 4: every time you get paid in that in that.
Speaker 6: Particular Yep, yep, they'll do that. Uh Like if you so,
Speaker 6: if you're playing in California, so you look at the schedule,
Speaker 6: you're like, dangn I got three games in California, right
Speaker 6: West coast trip that you know you get taxed at
Speaker 6: that California rates thirteen percent.
Speaker 4: And it's crazy because Rod Smith shout out to Rod Smith,
Speaker 4: He's he's been a loyal follow up from the beginning
Speaker 4: and anybody has a no Rod Smith, he's a Hall
Speaker 4: of Famer.
Speaker 5: Rint not yet but a legend, legend. And dev Den
Speaker 5: Dever Broncos wide receiver Denver legend.
Speaker 4: So I put a post up a while ago and
Speaker 4: me and him he was common and he was like, yeah, well,
Speaker 4: people don't realize it's that all right. California has the
Speaker 4: highest state tax in the country, right, like thirteen percent,
Speaker 4: like you said. But let's say you've played it in
Speaker 4: for Miami Dolphins Florida, right, which Florida has no state
Speaker 4: income tax, right, So what happens is that you might
Speaker 4: practice in Florida from Monday to let's say Thursday, right,
Speaker 4: fly when you fly off on a Sunday game Saturday Saturday,
Speaker 4: So you practice from Monday is Saturday in Florida, you
Speaker 4: are in Florida. You're in California for Saturday and Sunday
Speaker 4: maybe like Monday morning early. So you only spent two
Speaker 4: days in California, but the whole week is taxed in
Speaker 4: California because that's where you played the game.
Speaker 8: Man.
Speaker 4: So even though you prepared, like only spend forty eight
Speaker 4: hours in that particular state and you practiced in the
Speaker 4: state that you actually live in. But it doesn't matter.
Speaker 4: You played that game in that space for the whole week.
Speaker 4: The whole week's paycheck is taxed in California.
Speaker 5: Yeah, so you guys played Jersey state tax or is
Speaker 5: it right? That's what it got played?
Speaker 6: Yeah, okay, but I wouldn't be surprised New York trying
Speaker 6: to take a little bit of that.
Speaker 5: I'm thinking like.
Speaker 1: New York, but I wouldn't be surprised.
Speaker 6: Trust me, I'd have seen a lot I've seen, like
Speaker 6: you said, every so when we play a team in Texas,
Speaker 6: it's like, okay, cool, right, London games, London international taxes,
Speaker 6: they cost a bit too, right, Florida teams you know,
Speaker 6: you see Miami or Tampa ballion schedule.
Speaker 1: You're likes Tennessee, you know cool?
Speaker 6: Another thing you know a few years ago, there was
Speaker 6: a guy in the locker room when I was in Detroit. Detroit,
Speaker 6: they have the city tax and the state tax, so
Speaker 6: they'll tax you in Michigan and then they'll tax you
Speaker 6: in Detroit. Now, when we so, one guy got very
Speaker 6: very smart. His financial advisor accountant got very very smart
Speaker 6: with it. Because again, like you said, if you guys
Speaker 6: are want to play the game with me of like, okay, hey,
Speaker 6: I'm only here for twenty four hours. You know, sometimes
Speaker 6: we fly in at five pm, we out the next
Speaker 6: day at five pm after the game kickoffs at one.
Speaker 1: You know, I'm only here for twenty four hours. You're
Speaker 1: gonna tax me for the whole week.
Speaker 6: I remember. His issue was Detroit was taking tax every
Speaker 6: single week as if we trained.
Speaker 1: There, played there, and all that stuff, like we were
Speaker 1: there for the whole week.
Speaker 6: So when when we played with the Lions, the our
Speaker 6: facilities in Allen Park, the stadium is in Detroit, Michigan.
Speaker 6: It's like a twenty minute ride. But Detroit was trying
Speaker 6: to take taxes as if you were there every single play,
Speaker 6: because they'll actually literally break down the days and be like, well,
Speaker 6: you know you were here one hundred and such and
Speaker 6: such days. So he was like, no, okay, I'm actually
Speaker 6: only there out of the what eight home games. I'm
Speaker 6: there Saturday night when we stay at the team hotel,
Speaker 6: and I'm there Sunday when we played. So them one
Speaker 6: hundred eighty days, now you got sixteen of them, right,
Speaker 6: And so he ended up going back and getting some
Speaker 6: money from Detroit on that.
Speaker 7: So the interesting thing is like the way your mind's
Speaker 7: working right now. You're like, if I'm play in Texas, right,
Speaker 7: if I'm playing the Cowboys or the Texans, I know
Speaker 7: there's no state tex How many of your counterparts have
Speaker 7: that same mind frame?
Speaker 6: I think a lot due, I think a lot do
Speaker 6: because I mean, at that point, you're talking about thousands, right,
Speaker 6: Like you're not talking about like you're talking about the
Speaker 6: difference in you know, depending on what you're making. You're
Speaker 6: talking about the difference in like sixth at your grand
Speaker 6: by playing somewhere else versus you.
Speaker 1: Know, I mean some guys, I mean the way they
Speaker 1: get paid some guys.
Speaker 6: You're talking a good fifteen twenty grand difference, right, So
Speaker 6: guys are thinking about it again, you know, not to
Speaker 6: take up all y'all time, but there's different things that
Speaker 6: people out there just don't understand, like the fact of
Speaker 6: like you have to have multiple places of residency, see right,
Speaker 6: Like sometimes like you literally just have to. And I've
Speaker 6: never wanted to be that guy having Like I'm a
Speaker 6: frugal person, right, I'm cheap school.
Speaker 1: With me, right, I have no problem. I'm proud of it.
Speaker 6: But like I literally I have a home base here
Speaker 6: in New Jersey with my wife and I. When I
Speaker 6: was playing in Detroit, she works in Manhattan and she's
Speaker 6: from here. We had home base here, so now play
Speaker 6: with the Jets. I'm like, man, okay, like we can
Speaker 6: just have home base like and that's the crib.
Speaker 1: Well, guess what.
Speaker 6: But home base for me is forty five minutes away
Speaker 6: from here in no traffic. So if I wake up
Speaker 6: in the morning and it's raining hard. I remember my
Speaker 6: first day trying to come in and reporting to the Jets.
Speaker 6: It was raining hard, and my driving from forty five
Speaker 6: minutes no traffic and this is like six thirty in
Speaker 6: the morning right to an hour and fifteen minutes. Now
Speaker 6: people are like, oh, well, just wake up early and
Speaker 6: all that type of stuff. Well, guess what if you're
Speaker 6: late to your job, you get a slap on the risk,
Speaker 6: right you boss. You know at a certain point you
Speaker 6: can't keep being laid. You'll get your you get fired.
Speaker 6: But for me, if I'm late, that's a thirteen thousand
Speaker 6: dollars fine, right, Like that's ill.
Speaker 1: You know what I'm saying.
Speaker 6: I can go ahead. And so last year I had
Speaker 6: to rent a place. I have a house forty minutes
Speaker 6: from here, and I had I mean, some people might
Speaker 6: be like, well you didn't have to know, Like for me,
Speaker 6: I had to rent a place seven minutes. It's not
Speaker 6: worth the risk, right, it's not worth the risk. It's
Speaker 6: not worth being a few minutes late. And then also
Speaker 6: it's just the cost of doing business, Right.
Speaker 3: You're going travel at forty five minutes.
Speaker 6: Yeah, minutes when I'm like I told people, it's an
Speaker 6: investment as well, right, Like forty five minutes. That's forty
Speaker 6: five minutes I could be working on my body getting
Speaker 6: ready for the next week's game. That's forty five minutes
Speaker 6: that somebody is literally watching film with Just how am
Speaker 6: I gonna whoop Brandon coping this week?
Speaker 5: Right?
Speaker 6: And I need that forty five minutes to make sure
Speaker 6: I'm prepared for him as well. So there's a bunch
Speaker 6: of different costs. You know, Guys talk about transporting vehicles
Speaker 6: back and forth, right, Like I live in California, but
Speaker 6: you know, on my home base, I'm born and raised
Speaker 6: in California. I have everything over there. But now I'm
Speaker 6: with the Jets, Right, how's my vehicle getting back and forth?
Speaker 6: Or am I gonna uber it every day? Am I
Speaker 6: gonna walk every day, bike every day. What about when
Speaker 6: it's snowy? So do I need to pay the transport
Speaker 6: back a car back and forth? Do I need a
Speaker 6: renting car? Do I need to buy a car? Some
Speaker 6: of these costs that we see guys with were like,
Speaker 6: you know, we just assumed like, oh, this guy, he's
Speaker 6: being extra, he's doing that, you know, but some of
Speaker 6: this stuff is just a cost of like convenience and
Speaker 6: doing business at a high level, right, and that you know,
Speaker 6: again it was not a woe is us, Right, I'm
Speaker 6: thankful to have those type of problems as opposed to others.
Speaker 6: But you know, those are costs that you just can't
Speaker 6: escape from, all right.
Speaker 4: So yes, so now we're going to talk about Okay,
Speaker 4: we gave you a lot of gyms on the athletics side,
Speaker 4: but what we like about Brandon is that he's more
Speaker 4: than just an athlete, like Lebron says, an athlete.
Speaker 8: Right.
Speaker 4: So now we're going to go into the business side
Speaker 4: of things. And but before we do that, shout out
Speaker 4: to Baltimore. We didn't we didn't actually, So if you
Speaker 4: listen to our podcast, you know that A we have
Speaker 4: deep ties to Baltimore, and some of our best interviews
Speaker 4: have been Baltimore guests. Right, we have Valentia, we had
Speaker 4: Derek Falcon who is a restaurant owner. So now we
Speaker 4: got Brandon too. So shout out to the DVP.
Speaker 1: Baltimore keeps sleeping on us if you want to.
Speaker 3: So all right, So, so can we talk real estate?
Speaker 4: Because real estate's real trending right now and everybody wants
Speaker 4: to be a real estate investor. So can you can
Speaker 4: you talk about your real estate journey, your philosophy? Yeah,
Speaker 4: can you just enlighten us as full because there's a
Speaker 4: lot different ways how you can make money in real estate.
Speaker 6: Yeah, that's a beautiful thing. So for me, I invested
Speaker 6: in the stock market. I'm still invested in the stock market.
Speaker 6: But for me, I like to I've realized as I've evolved,
Speaker 6: is I like to have control or more control over
Speaker 6: what I invest in as opposed to the stock market
Speaker 6: where the president could say whatever he wants to say
Speaker 6: and the thing is down, you know, six hundred points
Speaker 6: or whatever. You know, Like there are certain days where
Speaker 6: I feel like I'm made great calls on stocks, and
Speaker 6: just because of the macro environment, everything was down and
Speaker 6: I'm like, I have no control over this stuff. So
Speaker 6: for me, real estate was an opportunity to have more
Speaker 6: ownership obviously real legitimate, legitimate ownership of an asset, and
Speaker 6: also like more ownership of the outcome because whether if
Speaker 6: I lose money and make money whatever, like the only
Speaker 6: person I can look at is myself, because I'm the
Speaker 6: one pulling the trigger on everything. So I got in
Speaker 6: to Originally, what I wanted to do was get into rentals. Uh,
Speaker 6: you know, people always talk about the passive income and
Speaker 6: all that type of stuff. So I remember my wife
Speaker 6: and now we went to Temple University. We went to Penn,
Speaker 6: but we went to Temple to look at houses and
Speaker 6: stuff just because the market at Pen was way, wait, wait,
Speaker 6: out of my price range. And so we just went
Speaker 6: around looking at college dorms and all that type of stuff.
Speaker 6: And that was our first like, let's get to understand
Speaker 6: what's what we should be looking for as we look
Speaker 6: through these homes.
Speaker 3: That's North Philly, right.
Speaker 6: Yeah, And so literally didn't act on it or move
Speaker 6: on it for about another year until there's a Baltimore.
Speaker 1: Speaking of Baltimore, there's a couple Khalil and Kiera Utah.
Speaker 1: They run this.
Speaker 6: Business called and their Instagram is charm City Buyers, and
Speaker 6: they've done a great job of sharing information and I've
Speaker 6: been blessed to have I've been blessed to have great mentors,
Speaker 6: and so I reached out to them. I saw what
Speaker 6: they were doing, and they started taking me through homes
Speaker 6: and stuff like that. We went to an auction and
Speaker 6: all that type of stuff, and literally I was just
Speaker 6: a fly on the wall seeing how they broke down properties,
Speaker 6: cap rates and all that type of stuff. And finally
Speaker 6: we were trying to invest and going on the property together.
Speaker 6: But when you're doing that, you kind of realize, well,
Speaker 6: like you know, on the outcome, I'm barely seeing anything,
Speaker 6: it's not really worth it. So we ended up investing
Speaker 6: in different ways. I just invested into their business and
Speaker 6: they ended up buying back a whole block of properties
Speaker 6: in Baltimore. But by doing that, it was one I
Speaker 6: got invested in real estate that was actually my first investment.
Speaker 1: And then two they gave me access to what they
Speaker 1: were doing, right.
Speaker 6: Pictures, videos, just learning from that standpoint at a certain point,
Speaker 6: Like for me, I'm a quick learner and a quick
Speaker 6: like once I'm into something. One once you invest and
Speaker 6: you care more about it. But then two, once I'm
Speaker 6: into something I like, I jump off the cliff sometimes,
Speaker 6: especially when I'm really passionate about stuff. So after that,
Speaker 6: then I went being out in Detroit, I'm like, okay,
Speaker 6: so before I buy rental units, right, because I look
Speaker 6: at that as marriage, right, Like I'm with this house
Speaker 6: for a long time for life. Right, you can sell it,
Speaker 6: you can get rid of it, but for me, like
Speaker 6: that's marriage as opposed to me, let me just date
Speaker 6: for a little bit. So I was like, okay, well,
Speaker 6: let me do some flips to learn about what goes
Speaker 6: into rentals and buying and rehabbing stuff. So as an athlete,
Speaker 6: one of my biggest fears and just as a person
Speaker 6: in general, my biggest pet peeve growing up was people
Speaker 6: thinking that they were smarter than me. Y're not not
Speaker 6: smarter than me, but but thinking that. I was, Yeah, well,
Speaker 6: thinking that talking to you like like you don't know
Speaker 6: what's going on the type of thing you know. The
Speaker 6: now is an athlete, that turns to having a fear
Speaker 6: of people trying to take advantage of you, and you
Speaker 6: know they do this to people all the time.
Speaker 5: So for me.
Speaker 1: It was like, I need to learn how much nails costs.
Speaker 6: I need to learn how much drive all costs, how
Speaker 6: much paint costs, all that type of stuff, so that
Speaker 6: now when I do these bigger projects, you can't just
Speaker 6: come to me with like, you know, hey, to paint
Speaker 6: this hot is gonna cost eight thousand nothing bucks. Right,
Speaker 6: I didn't know any better. I'm like, okay, well eight
Speaker 6: thousand and six thousand. I don't you know, if you
Speaker 6: have no gauge, then then you just take whatever people
Speaker 6: give you. So I met a guy found out through
Speaker 6: the locker room that there's a guy called a guy
Speaker 6: named Rob Simms, him Calvin Johnson, Jason Strahorn.
Speaker 1: They started this.
Speaker 6: Whole group called Locker Room Consulting Group. But at the
Speaker 6: time that was just a thought. But Rob had he
Speaker 6: talked about great mentors.
Speaker 1: He literally, you know, texted.
Speaker 6: He picked me up from the facility one day and
Speaker 6: literally drove me around Detroit and walked me through houses
Speaker 6: that he was actually currently flipping, right, and he showed
Speaker 6: me the levels of stuff that he was doing. He
Speaker 6: was doing some regular single family homes. He then took
Speaker 6: me to like a big, like fifty unit apartment building
Speaker 6: brand new buildout type of thing, and then showed me
Speaker 6: a two hundred unit project that he was working on
Speaker 6: investing in Florida.
Speaker 1: Right, Like, so you realize there's levels.
Speaker 6: But him at the time, he also gave me access
Speaker 6: and so he was like, hey, like this is the
Speaker 6: house I'm doing.
Speaker 1: You know, if you want to get into it, you can.
Speaker 6: You know, I don't need you to write like that's
Speaker 6: that's the best pitch in the world, right, Like, you know,
Speaker 6: you this house, I've already bought it.
Speaker 1: Like it's going to get renovated with it without you,
Speaker 1: but if you want to.
Speaker 7: That's that's the power power of having mentors, right because
Speaker 7: he could at least expose you to that exactly, right.
Speaker 5: And this is a guy who was a veteran and
Speaker 5: you're a young guy in the league. He didn't have
Speaker 5: to do that.
Speaker 1: Yeah, and he was retired.
Speaker 6: He was retired at the time, and he was just like, cope,
Speaker 6: like I really value what you saw something that. Yeah,
Speaker 6: he was like, I wish I would have started earlier.
Speaker 6: I know he has rentals and stuff like that, Like
Speaker 6: he rents some his rentals out to players and stuff like,
Speaker 6: and you know, you you you find yourself a mentor
Speaker 6: or mentors that you can just one add value to them,
Speaker 6: you know, and value is not always in the sense
Speaker 6: of money.
Speaker 1: Right.
Speaker 6: There's a there's a c NBC just did this commercial
Speaker 6: and I'm talking on it about mentors, and they chopped
Speaker 6: up some of it. But one of the things I
Speaker 6: was trying to say is like you don't have to
Speaker 6: think it's just like giving a check, right, Like, hey, like,
Speaker 6: I'll I'll come organize your books, right, Like I'll do
Speaker 6: whatever I need you need me to do, Like I'll
Speaker 6: follow your paperwork, whatever you need me to do to
Speaker 6: add value to you.
Speaker 1: I'll do that just for access to you.
Speaker 4: And I'm glad you said that because a lot of
Speaker 4: times people we're selfish by nature, right, So people want help, mentorship,
Speaker 4: they want advice. But I heard somebody say before, like
Speaker 4: you have to see how can I help this person?
Speaker 4: Like I mean, like if you think from that standpoint,
Speaker 4: then they will be more likely to help you as
Speaker 4: opposed to just saying help me. That's more of a
Speaker 4: charity thing right right now, if we have an equal relationship,
Speaker 4: you might not be able to help me financially, but
Speaker 4: like you said, you can still add value.
Speaker 6: Yeah, right, And the thing and that's the thing is
Speaker 6: like value is sorry, value is what you make it, right.
Speaker 6: I think that, like you said, some people just come
Speaker 6: up and say, hey, help me, right, and it's like okay,
Speaker 6: Like well, you have to also look at your own
Speaker 6: relationships and like anything that you're like, all of these
Speaker 6: are transactions and either you're winning it's equal, or you're losing.
Speaker 6: And there's only a certain amount or a certain number
Speaker 6: of relationships that you can really be just losing it.
Speaker 6: And you know, and that's at a certain point, it's
Speaker 6: like we're all for giving back, we're all for trying
Speaker 6: to help. But like, for example, with this class, I've
Speaker 6: had this class and we've we've gained a lot of
Speaker 6: media attention because of it, and that's been great. And
Speaker 6: I used to pride myself on literally answering everything, every
Speaker 6: DM email, text message, all that type of stuff, even
Speaker 6: with every times where you know, I'd make a play
Speaker 6: and it would be crazy amount of stuff in my
Speaker 6: phone and I even if it was a week later,
Speaker 6: I would do it. Now, like my brother he helps
Speaker 6: he's my business manager, business partner. He helps me with stuff,
Speaker 6: and he realizes because the first couple of weeks he
Speaker 6: was like, now we can get through it. And then
Speaker 6: after a few weeks he's like, yeah, nah, man, we
Speaker 6: might have to get a template, right, And like I
Speaker 6: told him, like, you know, you got to realize there's
Speaker 6: certain things like I still have stuff I want to
Speaker 6: do and create, and and I would literally spend all
Speaker 6: day just answering emails or d ms, right, and then
Speaker 6: tell us about it, Like it's like you got you
Speaker 6: have to pick and choose your battles, right, and so
Speaker 6: as much as you want to give, and you know,
Speaker 6: people will throw your name through the mud if you
Speaker 6: don't answer their particular message or whatever. Right, it's like
Speaker 6: I plan on trying to answer it, but I'm gonna
Speaker 6: answer it in in what I create, I think so.
Speaker 6: But yeah, so finding them mentors and stuff like that.
Speaker 6: I ended up giving him money to invest in his
Speaker 6: house and then even a boy being in that I
Speaker 6: was able to see what I liked about, how they
Speaker 6: were doing things, what I didn't like, what I wanted
Speaker 6: to do better, what I wanted to do less of,
Speaker 6: more of alarm systems, cameras, whatever, right, Because again there's levels.
Speaker 1: Right, and so I could realize that Rob was on this.
Speaker 6: He's on a bigger level than me, right, because if
Speaker 6: he loses his money again.
Speaker 3: You know he he.
Speaker 1: Might be able to withstand that.
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Speaker 9: Coach, the energy out there felt different. What changed for
Speaker 9: the team today?
Speaker 10: It was the new game day, scratches from the California
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Speaker 9: Are you saying it was the off field play that
Speaker 9: made the difference on the field.
Speaker 10: Hey, little play makes your day, and today it made
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Speaker 6: Gonna hurt little b Right, So I need to know,
Speaker 6: like I need to what's going on right now? You
Speaker 6: know what's going on at three thirty pm. So so
Speaker 6: from that again, I'm invested with them. And then I
Speaker 6: went and jumped off and started doing my own. And
Speaker 6: the reason why I started doing them in Detroit was
Speaker 6: one the market was amazing. You could buy three, four bedroom,
Speaker 6: three bathroom house for thirty five thousand dollars.
Speaker 4: That's why I wanted to ask you, so Detroit, how
Speaker 4: is the market Detroit right now? Because I've heard mixed things.
Speaker 4: Some people think that it's like the best thing ever,
Speaker 4: but some people saying it's already starting to get more
Speaker 4: saturated and it's not as you know, good as people
Speaker 4: are making it out to me. Yeah, you have mixed
Speaker 4: a few opinions on it. What's the marketing?
Speaker 6: Yeah, I think it's clearly is getting more saturated than
Speaker 6: it was two years ago, three years ago.
Speaker 1: But that's everything, right.
Speaker 6: I I if you talk to anybody in Atlanta, they'll
Speaker 6: tell you, like, prices here are getting more and more expensive.
Speaker 6: It's getting more and more saturated. Then you're like, okay,
Speaker 6: well what's the rent. It's like eleven hundred dollars for
Speaker 6: three bedroom, you know, all right, comparison to New York. Well, shoot,
Speaker 6: I'll take that off.
Speaker 5: That's a studio exactly.
Speaker 6: So, so I think I keep it in that perspective,
Speaker 6: in that context. For me, Detroit was an opportunity and
Speaker 6: still is an opportunity to learn on a smaller scale
Speaker 6: and not risk even when I say small scales, not
Speaker 6: risk as much money as some of these bigger market,
Speaker 6: bigger markets, these bigger shows. Right Like I would turn
Speaker 6: on one of the best houses we did in Detroit.
Speaker 6: We bought this house for at auction for thirty six thousand.
Speaker 1: Santa Rosa Drive.
Speaker 6: That was that's her nickname, four bedroom, two and a
Speaker 6: half bathroom house. We walked into it and this was,
Speaker 6: I mean, this was a lay up home run type
Speaker 6: of thing. Walked into it and it was unfortunately, you know,
Speaker 6: it was an older woman who passed away. Her family
Speaker 6: just didn't know to take care of it, didn't know
Speaker 6: to pay the bills or whatever, so it just literally
Speaker 6: was sitting there. We took it at auction and uh,
Speaker 6: well kept house, all that type of stuff we put
Speaker 6: in I want to say, twelve thousand dollars just to
Speaker 6: do the kitchen, redo carpet, and to add a shower
Speaker 6: instead of the elderly tug on the first floor bathroom.
Speaker 6: We turned around. We sold it off market for one
Speaker 6: hundred and twenty seven thousand.
Speaker 3: Right, So how long was that turn around?
Speaker 6: It literally the longest part it was a two week rehab.
Speaker 6: The longest part was waiting for the eviction to go
Speaker 6: through because still technically, even though no one was living
Speaker 6: in it, we still legally went through the eviction process
Speaker 6: with the court. No one showed up, waited thirty days
Speaker 6: to enter, just to you know, protect our backs.
Speaker 1: But that was the longest part.
Speaker 6: After that, we got in two weeks and then flipped it.
Speaker 6: So literally made one hundred and fifteen percent on my
Speaker 6: money on that. But again, I turned on HGTV and
Speaker 6: I see these couples and they doing amazing stuff, like
Speaker 6: they're doing great flips and stuff like that, and you
Speaker 6: like you just put out seven hundred thousand to bring
Speaker 6: back fifty thousand.
Speaker 5: Yeah, I'm always looking like, yeah, it's gonna coste not
Speaker 5: a renovent. I'm like, that's eight hundred.
Speaker 4: Thousand, but that's sorry. You paid thirty five thousand one auction.
Speaker 4: You paid probably cash, right, But you could have got
Speaker 4: that house without paying up to thirty five thousand, right, probably.
Speaker 1: Well, since it was auction, I probably not.
Speaker 6: Probably I would probably had the I would hard money
Speaker 6: lends hard money or something like that, so I would
Speaker 6: people I paid, they would have got their money, but
Speaker 6: I probably could have came out of pocket less by
Speaker 6: doing finding another lender.
Speaker 4: Yea, Because he was trying to say for the average
Speaker 4: person who might not have thirty five thousand, but they
Speaker 4: still are interested in investing and they still want to
Speaker 4: make money, right, yep, what's your advice for them?
Speaker 3: They may not have you know, the same opportunities or
Speaker 3: you know the same bank.
Speaker 1: I'm the bank.
Speaker 6: I'm fortunate to be able to be the bank in
Speaker 6: my situations. And even still people tell me, like, you
Speaker 6: want to start using other people's money, But for anyone
Speaker 6: out there trying to get in one, I'd say make
Speaker 6: sure you're ready and before.
Speaker 1: What I mean by that is is what I found
Speaker 1: in real.
Speaker 6: Estate is there's a checklist of things that you need
Speaker 6: to have and be ready for it, because especially if
Speaker 6: you're taking on someone else's money, and then that means
Speaker 6: you're you're holding on to that interest rate. You want
Speaker 6: to you want to limit your you're holding time. Right,
Speaker 6: What do I mean by being ready? What does your
Speaker 6: contracting team look like?
Speaker 8: Right?
Speaker 6: Your contracting team can make or break your entire process.
Speaker 6: What I found, I guess this is a better way
Speaker 6: to said. Is What I found is people generally can't
Speaker 6: do what they tell you they can do right. So
Speaker 6: it's really vetting their vetting your contracting team, creating that
Speaker 6: budget and doing your best to stick to it even
Speaker 6: though you know you're never go and stick to it
Speaker 6: like that sounds weird, but like you know it's going
Speaker 6: to go over So for me, my process is well,
Speaker 6: sorry to answer your question, there are hard money lenders
Speaker 6: out there. There's people who will lend you money. You
Speaker 6: can collateralize it with the car, house, whatever, depending on
Speaker 6: the amount of alone. However, before you do that, you
Speaker 6: need to make sure that you're ready and to make
Speaker 6: you feel good about it. One of my mentors, he
Speaker 6: that's outside of rob and charm City Buyers. One of
Speaker 6: the things that he told me that really helped me
Speaker 6: jump into my first home was he sat down with
Speaker 6: me at dinner and he was just like, you know, cope,
Speaker 6: this this isn't rocket science. He was like, a lot
Speaker 6: of people make what they make, what they do seem
Speaker 6: like it's rocket science.
Speaker 3: But this isn't.
Speaker 6: Like you buy a house, you've renovated, put money into it,
Speaker 6: the renovated, you.
Speaker 1: Sell it for more. Right, it ain't that.
Speaker 6: Now there's certain things in there that make it feel stressful,
Speaker 6: all stuff permits and all of this different stuff. Oh,
Speaker 6: pipe burst for all you know, but it ain't rocket signed.
Speaker 6: So for anybody listening, just keep that in mind. Right,
Speaker 6: Like you buy a house, you renovate it, you put
Speaker 6: money in, you pay people to renovate it, and you
Speaker 6: sell it for hire.
Speaker 1: Right, and before you do that, you do all your work.
Speaker 6: You research My process. We can get into that if
Speaker 6: we want. My process is to look at the comps
Speaker 6: before I ever walk into a house. Just to look
Speaker 6: at the comps is to make sure that, like you
Speaker 6: send me my realtor, I find I have a realtors,
Speaker 6: I have multiple realtors. I tell them what I'm looking for,
Speaker 6: tell them what my investment criteria is, and I tell
Speaker 6: them what I need to make off of it. I
Speaker 6: only look at houses that I feel like I can
Speaker 6: at least make thirty K off of, right, And you know,
Speaker 6: some of the real says, oh man, that's I don't know,
Speaker 6: Like in Baltimore is getting the margins are getting thinner,
Speaker 6: you know, cool, but it don't.
Speaker 1: Send it me the house take thirty And why do
Speaker 1: I do that?
Speaker 6: There's houses that I won't make thirty K off of
Speaker 6: even if I think that, But that gives me enough
Speaker 6: cushion where Okay, this house messed up or this. You know,
Speaker 6: I have a change order in my contracting work, so
Speaker 6: I need to add this or whatever. And now that
Speaker 6: thirty K is crunched the twenty five, and it's crunched
Speaker 6: the twenty and so it gives me more than enough
Speaker 6: cushion as opposed to where some people are trying to
Speaker 6: get fifteen K. And then as soon as some bad
Speaker 6: things pop up, now they in the red. You know
Speaker 6: what I'm saying.
Speaker 1: So I do that. Then we'll go through a house
Speaker 1: I go through a house.
Speaker 6: With the contractor and the and I get an estimate
Speaker 6: there right and I know that the contract is going
Speaker 6: to be off. You know, I know that they're going
Speaker 6: to add some more later on on the back end.
Speaker 5: You know.
Speaker 6: I've been fortunate to have some great contractors, especially in Maryland,
Speaker 6: and Detroit has been hit or miss.
Speaker 1: I've had some good ones. I've had some marble ones, right, but.
Speaker 6: Finding just getting a ballparking range, because right then and there,
Speaker 6: I might be able to be like, Okay, this is
Speaker 6: not this doesn't add up right after that, and then
Speaker 6: you know, you put in your offer, you probably miss
Speaker 6: on half the houses you offer on. Probably really seventy
Speaker 6: five percent of the houses I've put offers in on
Speaker 6: I haven't gotten. But you just play that game. But again,
Speaker 6: for me, it's about I feel like real estate. And
Speaker 6: I know I'm obviously in a blessed position to be
Speaker 6: able to say this, but I tell this to my family.
Speaker 6: I tell this to everyone because I'm getting my family
Speaker 6: they invest with me. I feel like real estate is
Speaker 6: a great thing to be in as a secondary social income.
Speaker 6: Right Like for me, I look at it as like, okay,
Speaker 6: like it's a great place to be in when you
Speaker 6: know there is a week delay. Or for example, I
Speaker 6: was supposed to close on a house. It's sell a
Speaker 6: house that we've had on the market for some time.
Speaker 6: I was supposed to sell it on May tenth, this
Speaker 6: past Friday, and it's gotten pushed. So they did the
Speaker 6: appraisal late, and all that stuff is getting pushed. We
Speaker 6: just sign have done them to push it to close
Speaker 6: before May thirty.
Speaker 5: First.
Speaker 6: If I needed that money right now, I'll be pissed, right,
Speaker 6: I still keep it. Everybody else around me thinks that
Speaker 6: I'm pissed, Like, come on, we got tighten this up right, right,
Speaker 6: But I'm like, okay, cool, and I'm going to the
Speaker 6: other thing. I don't need that right now, you know
Speaker 6: what I'm saying. So to keep it as a secondary
Speaker 6: source of income allows you to operate in a less
Speaker 6: stressful situation. And it also allows you to not take
Speaker 6: risks and take chances and force investments if you don't
Speaker 6: have to. Because there's a lot of people out here
Speaker 6: that's where they get themselves in the best situation, Like
Speaker 6: I need this house to work and I need to
Speaker 6: flip it now, right.
Speaker 7: So what makes you unique is that you're reading blueprints
Speaker 7: and you're reading playbooks too, right, And you spoke about
Speaker 7: your family and building your team.
Speaker 5: But your family's involved, right. Your mom is part of
Speaker 5: as an investor with you.
Speaker 7: Your wife is reading the charter, and your brother is
Speaker 7: I believe the project project management. So were they into
Speaker 7: real estate or did you bring them on and educate
Speaker 7: you guys learned altogether.
Speaker 6: Yeah, brought them on. Brought them on. So I think
Speaker 6: for me, one of my biggest goals is to figure out,
Speaker 6: not figure out, but encourage other people to create wealth
Speaker 6: for themselves. Right, My family is doing well for themselves.
Speaker 6: They all have their own hustles. But hey, like I
Speaker 6: look at real estate as a way of like, hey
Speaker 6: I can Like I tell my friend all the time
Speaker 6: he has student loans. He's talking about him, like you
Speaker 6: flip a house, right and start putting out chunks on
Speaker 6: your mortgage. Right, he already has a job that he's
Speaker 6: been paying off. But like I look at it as
Speaker 6: like one day I'll just flip a house to pay
Speaker 6: for things that I want. Okay, my kid has this
Speaker 6: year's tuition. Okay, well, well let's do this house right here,
Speaker 6: or we need vacation or I'm flip a house to
Speaker 6: pay all of our bills, right, yeah, Like I'm literally like,
Speaker 6: that's the way I look at it, right, And that's
Speaker 6: a that's a great thing to be able to do
Speaker 6: and a great goal to have. But I wanted to
Speaker 6: also empower the people around me to be able to
Speaker 6: do it themselves, so allowing them to have access to
Speaker 6: the investment.
Speaker 1: Again, I'm approaching you. I'm doing this house.
Speaker 6: You can jump in for whatever.
Speaker 7: Yeah, you can jump in if you want the same
Speaker 7: lesson that you exactly I'm gonna do this.
Speaker 4: You could, but that's like, yeah, one of one of
Speaker 4: the like my mentors, uh he uh, he had a
Speaker 4: building in Manhattan. He's a real, big time real estate investor, right,
Speaker 4: so he's a he's a developer and he had the
Speaker 4: building in Manhattan and he he called me. He's like, look, no,
Speaker 4: if you want to get in, I'll give you the
Speaker 4: friends and family deal. He's like, you know, you know
Speaker 4: you can be part of the owner of a building
Speaker 4: in Manhattan.
Speaker 3: Da da.
Speaker 4: But he said, he said, look, he said, I'm giving
Speaker 4: you this off. He said, I don't need to give
Speaker 4: you this offer, he said, And I'll never call you
Speaker 4: by it over again.
Speaker 3: If you want any or it, it's up to you.
Speaker 3: You know, I'm not gonna beat your door down.
Speaker 5: No, that that's all based on facts.
Speaker 1: This is happening with without you. And again.
Speaker 6: It allows you allows them to have the same experience
Speaker 6: that I had. So now they can get their feet wet.
Speaker 3: Right.
Speaker 6: I don't care if it's a thousand bucks. I don't
Speaker 6: care if it's four thousand bucks. I don't care if
Speaker 6: it's twenty thousand bucks. You know what I'm saying, Like,
Speaker 6: whatever you want, you just break it down, break the
Speaker 6: percentages down. You have equity in this play.
Speaker 1: And now now you care.
Speaker 6: Now you're interesting.
Speaker 5: People are going to care when they're invested in something,
Speaker 5: you know what I mean.
Speaker 7: Like, even if it's they're making two hundred dollars more,
Speaker 7: that's more passive than you had a month before war.
Speaker 6: In your checking account that you get so so by
Speaker 6: doing that, then it gets them to learn. And then
Speaker 6: it also like I'm always thinking about the future, and
Speaker 6: the future build right, And so I've invested with players,
Speaker 6: and there's a bunch of players who want to invest
Speaker 6: and do stuff together, and I've done something with them.
Speaker 6: And there's some that I'm like, you know, I just
Speaker 6: want to wait until I have my team, really really sure, right,
Speaker 6: I'm I'm first to admit that, like one, I'm a perfectionist.
Speaker 6: So if it ain't rolling in my version or my
Speaker 6: run and perfection, then it ain't ready. But then once
Speaker 6: I get it there, then we can rock and roll.
Speaker 1: Right. But when you have that access, now I'll shoot
Speaker 1: you videos of the.
Speaker 6: Befores of what the contractor is telling me, of the
Speaker 6: things that I've learned, the things that I've thought about.
Speaker 6: But I want you to start looking at stuff the
Speaker 6: way I start looking at stuff, right, because in the
Speaker 6: long run, again we talk.
Speaker 1: About adding value and different ways of add value.
Speaker 6: Is you know, one, I don't need your money, but
Speaker 6: two I want, in the long run your add value
Speaker 6: to me. Because now we're going to start to speak
Speaker 6: the same language. Now, if I'm in New Jersey, if
Speaker 6: I'm in Baltimore and you move to Florida, or you know,
Speaker 6: you get traded and go to California or whatever, now
Speaker 6: you're looking at the house the same lens and perspective
Speaker 6: that I always had to.
Speaker 1: Now you can say a cod like maybe you want
Speaker 1: to throw money in is one?
Speaker 3: Right?
Speaker 7: They branch off and that other factors that people become
Speaker 7: less dependent on you because now they have their own knowledge.
Speaker 4: Well that so knowledge is power and education is everything
Speaker 4: in this world. So that brings us to our next segment,
Speaker 4: something that we all have in common. Yeah, education, all right,
Speaker 4: So for the last seven we're gonna talk education. And
Speaker 4: if anybody's not familiar, this is how this whole thing
Speaker 4: started with even the podcast is Troy is an educator
Speaker 4: and I'm a financial advisor. So I'll speed up this
Speaker 4: story because we've told it a couple of times before.
Speaker 4: But he brought me in his classroom before and he
Speaker 4: asked me to teach a financial literacy class. So that
Speaker 4: financial literacy class turned into he has a program that
Speaker 4: he runs every summer, six week program for kids, internships,
Speaker 4: a whole bunch of stuff, college tours and everything. They
Speaker 4: get paid at the end of the program. So that
Speaker 4: turned into me running a financial literacy program for the
Speaker 4: kids for the six weeks. Then that's turned into me
Speaker 4: actually developing a curriculum, right and now were actually do
Speaker 4: it in a couple of other schools outside of our
Speaker 4: program that we're doing the summer, And then that turns
Speaker 4: into I actually want to write a textbook, right, so
Speaker 4: it could be all over and it turned into a
Speaker 4: whole bunch of different opportunities. With my brother's keeper of
Speaker 4: President Obama's program, we got.
Speaker 5: Turned into this podcast.
Speaker 4: Yeah yeah, so yeah, so it all meshed together. So
Speaker 4: as we said earlier in the podcast, Brandon is educated
Speaker 4: as well. So he is a professor at the University
Speaker 4: of Pennsylvania's business school, which is Wharton, and as I
Speaker 4: said before, that's one of the best business schools in
Speaker 4: the country. So aside from being football player, aside from
Speaker 4: being a real estate investor, aside from working on we
Speaker 4: even talk about him working on Wall Street. He also
Speaker 4: it's too much to talk about. But he's also a educator.
Speaker 4: So financial literacy is something that we're very passionate about.
Speaker 4: Can you talk about your class because your class is
Speaker 4: interesting it correct me if I'm wrong, but it's called
Speaker 4: Inequity and Empowerment in Urban Financial Literacy.
Speaker 3: That's the name of it.
Speaker 4: Yep, yep, So that's an interesting title, and I kind
Speaker 4: of assume I know what that means. But can you
Speaker 4: talk about the class? We start's start off the conversation
Speaker 4: with the class that.
Speaker 1: Yeah, so.
Speaker 6: Technically it's not in wart and it's in the urban school,
Speaker 6: Urban Studies school, just to put that out there so
Speaker 6: they don't come down. And but it's when I thought
Speaker 6: of the class I thought about. I was actually on
Speaker 6: the ride through Detroit looking at real estate opportunities with
Speaker 6: a couple of players, and one of the players mentioned
Speaker 6: in the backseat about, hey, man, I just wish when
Speaker 6: I was in college we had a class on that,
Speaker 6: you know, talked about taxes and budgeting and houses and
Speaker 6: buying your house and all that type of stuff. I'm like,
Speaker 6: I mean, that's not just something that athletes need, that's
Speaker 6: something that we all need, right, Like, how do you
Speaker 6: just and you had the conversation, I was like, how
Speaker 6: do you just pick athletes who you think are going
Speaker 6: to the league or not? You know, like everybody should
Speaker 6: have that. So from there my wheel started running. And again,
Speaker 6: like as I said, I'm impulsive. When I get passionate
Speaker 6: about something, it's like, how do you make it happen.
Speaker 6: So it's been a few years of trying to get
Speaker 6: the school to buy in and I was fortunate to
Speaker 6: come across my co professor, doctor Brian Peterson, last year
Speaker 6: at our Just College five year reunion. I told him
Speaker 6: about the idea and then he took it and ran
Speaker 6: with it and dealt with the the school pitch. You know,
Speaker 6: you know me, I'm just a creative so you know,
Speaker 6: I come to you with the idea like, yes, YadA,
Speaker 6: I'm willing to put the work in behind it.
Speaker 1: But I didn't know you need to.
Speaker 6: You know, you need a syllabit, you need a course
Speaker 6: outline and all that stuff. So anyway, for me, the
Speaker 6: class premise is like, let's talk about all the different
Speaker 6: things that you deal with in life that we just
Speaker 6: let's just talk about them.
Speaker 1: Right. For some reason, we've.
Speaker 6: Gone through these schools and gone through all these I've
Speaker 6: gone through sixteen years of school myself, and no one
Speaker 6: ever taught me how to buy my first house, right,
Speaker 6: No one ever taught me about the cost of renting
Speaker 6: or how to invest.
Speaker 1: Right.
Speaker 6: We have these classes that talk about finance and statistics
Speaker 6: and all that stuff. But yeah, but like what's the
Speaker 6: real life application?
Speaker 7: You know?
Speaker 6: And I remember as an intern on Wall Street, I
Speaker 6: was like, you know, we had these classes and I think,
Speaker 6: you know, I had these econ classes and finance classes,
Speaker 6: and I'm like, okay, I should be pretty well prepared
Speaker 6: as compared to a student who hasn't had this stuff.
Speaker 6: But then when I went into it, I'm like, yeah,
Speaker 6: we didn't talk about any basis.
Speaker 7: The funny thing about that is like I feel the
Speaker 7: same way about education, Like we went to school, right,
Speaker 7: and we learned we had to take all these tasks
Speaker 7: and pass them to be certified.
Speaker 5: And I went to grad school forward.
Speaker 7: And I got put in New York City and all
Speaker 7: the things that they talk out the window, you're gonna
Speaker 7: learn right now right today's yeah, you know what I mean.
Speaker 7: And one of the lessons I try to tell up
Speaker 7: and coming teachers is like, listen, you're gonna be tested
Speaker 7: every day. You got to really put the mindset that
Speaker 7: today I'm gonna win this battle because I know I'm
Speaker 7: fighting for them, you know what I mean. So like
Speaker 7: that's crazy, like you're doing that. And finance too, it's
Speaker 7: the same thing, like wait, I went to the school
Speaker 7: for all this and I know nothing.
Speaker 1: I literally have to start over, right, and so you know,
Speaker 1: taking that.
Speaker 6: Is like literally the premise of the class. I nicknamed
Speaker 6: it life one on one and uh so we talk
Speaker 6: about credit. I always felt like too, like I sat
Speaker 6: in these classrooms and you know, as a kid who
Speaker 6: a kid from Baltimore learning and all that type of stuff.
Speaker 6: I've been fortunate enough my parents valued education, so I've
Speaker 6: really valued it myself. And still, even though I feel
Speaker 6: like I'm a bright individual, I was sit in some
Speaker 6: of these classes and I would have to like the
Speaker 6: teachers would just talk over my head, however long the
Speaker 6: lecture was, and I was like, you know, people would
Speaker 6: throw around terms good debt versus bad debt and all
Speaker 6: that stuff, and you feel afraid to ask a question, like,
Speaker 6: you know, I don't want to see much studio, feel
Speaker 6: like everybody else must know, right, you know, like he's
Speaker 6: talking like they like maybe I didn't get this in
Speaker 6: my high school or something right, And then you know,
Speaker 6: so I'd end up youtubing it or figuring it out
Speaker 6: on my own or just through life and experience.
Speaker 1: And I'm like, it.
Speaker 6: Shouldn't be like that, right, Like you're paying all this
Speaker 6: money to go to school. We should talk about this.
Speaker 6: You should feel comfortable asking this question. So that's the
Speaker 6: class we started. We cover everything from like I said,
Speaker 6: invest in budgeting, taxes, your gross pay versus your net,
Speaker 6: how to buy a house, our very last class we
Speaker 6: had as called we called it Financing your Dream Company
Speaker 6: an entrepreneur with a ship panel. We end up having
Speaker 6: a huge My goal, as I told the students, my
Speaker 6: goal is to make this financial information, financial literacy, all
Speaker 6: that type of stuffs. Make this information accessible to all
Speaker 6: for free. And so this class was really a pilot
Speaker 6: and just a launching point to build and to figure
Speaker 6: out what works and all of that type of stuff.
Speaker 1: But what we did our second and last.
Speaker 6: Class, we had a bunch of high school students from
Speaker 6: Philly come in and then my students taught those students
Speaker 6: these different we had five different topics, but taught them
Speaker 6: this stuff.
Speaker 1: And one the reason for that was me.
Speaker 6: I it's not that I don't care about grades, but
Speaker 6: I don't care about grades is for two. It's more
Speaker 6: of like I feel like, if you can teach someone
Speaker 6: how to teach or no, so not how to teach.
Speaker 6: I wanted to teach them how to teach this information
Speaker 6: to other people that they learned. Yeah, so like I
Speaker 6: want you to be able to share this information with
Speaker 6: your cousin, your family, your mother, your sister, your brother,
Speaker 6: and spread this information a similar way that I'm doing it.
Speaker 6: To my family, give your family access to change their
Speaker 6: own lives, right as opposed to Sadly, what we do
Speaker 6: in society is we get information, and now it's my information.
Speaker 6: I'm gonna get a leg up on you where it's
Speaker 6: like I'm you're not my competition. Right. So we had
Speaker 6: our students teach it to high school students because of one,
Speaker 6: I figured if you can break it down on a
Speaker 6: high school level, then you probably have a pretty good
Speaker 6: understanding of it. But two, it also just is giving
Speaker 6: us that ripple effect as a classroom. And when I
Speaker 6: tell you you've got these, one of the biggest things
Speaker 6: that schools or people push back on is, oh, man,
Speaker 6: you don't you know people already know this information?
Speaker 5: You know?
Speaker 1: And you're like, no, we don't. When did I learn it?
Speaker 1: When did you teach it to me?
Speaker 6: Right? Like, if nobody ever taught me I told this
Speaker 6: to the students, Well, nobody ever told you. If I
Speaker 6: asked you what two plus two is, you're like, man,
Speaker 6: that's a stupid question, right, you've learned that. If I
Speaker 6: asked you like, okay, well, how do you buy your
Speaker 6: first house? Right?
Speaker 1: Like, what do you need?
Speaker 3: Uh?
Speaker 6: Well, you probably need it? If I ask you, what's
Speaker 6: the four to one k? Right?
Speaker 1: Well, you know some people people might be.
Speaker 6: Like, well you should know that.
Speaker 3: How who taught me?
Speaker 4: And that's what that's something that because you know, I
Speaker 4: post videos sometimes and me teaching, and some it's always
Speaker 4: a couple of comments like, well, financial literacy shouldn't be
Speaker 4: taught in school.
Speaker 3: We shouldn't rely on schools. People should be teaching at home.
Speaker 4: True of course, but if your parents aren't prepared to
Speaker 4: teach you, then what about those kids? And that's the
Speaker 4: vast majority of kids, right, So it's like, okay, well, yeah,
Speaker 4: of course everything should be taught at home. But if
Speaker 4: that's the case, what's the point of even going to
Speaker 4: school to teach our kids everything at.
Speaker 7: Like working in the education system, right, this is like
Speaker 7: my seventeenth year in education. But that was part of
Speaker 7: the reason when I was like, shoty, I'm like, look,
Speaker 7: I need your help, Like you're a financial advisor, I
Speaker 7: need your help, Like I know that these kids aren't learning,
Speaker 7: and like I was doing a disservice. So I'm like,
Speaker 7: all right, well I have six weeks to help these kids, right,
Speaker 7: And I was like, listen, I need your help. Come
Speaker 7: in and just teach these kids these lessons, and it
Speaker 7: was like when we started seeing the return on it
Speaker 7: every year, it was like, oh, this is amazing.
Speaker 5: Right.
Speaker 7: So like being in the system and no one is
Speaker 7: a disservice, like we got to give back. So like
Speaker 7: you going back to Philly to take kids, Like that's dope, right,
Speaker 7: and you're doing it at the college level, right, And
Speaker 7: our program is you know, from high school kids getting
Speaker 7: getting ready for college, but also this year we'll launching
Speaker 7: on for elementary school kids, right because the earlier they
Speaker 7: get the knowledge.
Speaker 5: Now their parents can learn, and these kids are learning,
Speaker 5: so they prepared. By the time we get to high school,
Speaker 5: they're going to be advanced.
Speaker 7: Right, right, So we're just trying to start earlier and earlier, right,
Speaker 7: and we need more people doing.
Speaker 5: That, right.
Speaker 7: So that's what drew us, like drew me for sure,
Speaker 7: Like five thirty in the morning, I'm reading, I'm like, oh,
Speaker 7: I got to meet this guy because he's on the
Speaker 7: same paths dope.
Speaker 4: And then also that my Lexcelna question leads right into
Speaker 4: as far as getting back right, we spoke about that
Speaker 4: off camp a little bit. Can you talk about that
Speaker 4: as far as like the importance of that and why
Speaker 4: because a lot of times people don't like you said.
Speaker 4: I think I read a book one time that we
Speaker 4: operate from an attitude of scarcity instead of abundance, meaning
Speaker 4: that it's like, Okay, if me and you from the
Speaker 4: same neighborhood you make it to the league, I'm gonna
Speaker 4: be depressed because I'm like, the percentage of somebody making
Speaker 4: it is like one out of one hundred.
Speaker 3: Now you made it, So now my percentage.
Speaker 5: Is like, I'm done.
Speaker 3: I can't make it.
Speaker 4: Statistically, It's like it's not a saying like yo, I'm
Speaker 4: gonna use you as an example that I can make it.
Speaker 4: So we look at that and it carries over them
Speaker 4: a lot of things like Okay, I got a million dollars.
Speaker 4: I can't teach somebody else how to make a million
Speaker 4: dollars because I've already beat the odds. So I can't
Speaker 4: diminish my eyes by trying to spread the wealth.
Speaker 3: You know what I mean.
Speaker 6: It's said, So yeah, my wife and I always start
Speaker 6: this foundation called Beyond the Basics.
Speaker 1: Scene is right here.
Speaker 6: We throw football camps, we take kids on shopping, screeze
Speaker 6: for Christmas, feed single parents Thanksgiving.
Speaker 1: I think that you know, that's just our heart and
Speaker 1: what we feel called to do.
Speaker 6: And that's actually like the best part of everything that
Speaker 6: I do. I feel like when it talks when you
Speaker 6: talk about giving back. Shared this with the students as well.
Speaker 6: I share this with people. I think that there's a
Speaker 6: lot of people in this world. This is the way
Speaker 6: I think of my life and whether I'm right wrong,
Speaker 6: and whatever I'm doing, I'm sharing it and I'm letting
Speaker 6: you know that. Hey, like I don't have all the answers,
Speaker 6: Like I told my students that the first day, I
Speaker 6: don't have all the answers, right, Like, there's there's experts
Speaker 6: for all of this information. That's the reason why you
Speaker 6: hire an accountant. That's the reason why you're hiring an
Speaker 6: investment an advisor, a financial advisor. That's the reason why
Speaker 6: you hire a credit repair specialist to handle these different
Speaker 6: tranches of your life, the reason why you hire a realtor. Like,
Speaker 6: I don't have all this information, but I will get
Speaker 6: the people in front of you. I have a little
Speaker 6: bit about all this stuff, and anything I don't know,
Speaker 6: we'll learn it on them the fly, right, Like, that's
Speaker 6: cool with me. I'll take that humble approach to teaching
Speaker 6: and to being a vessel. But what I always tell
Speaker 6: people is there's people who write these Tell All books.
Speaker 6: You know, they're fifty some years old. Right, this is
Speaker 6: how I mask my wealth and all that type of stuff.
Speaker 5: Right.
Speaker 6: And there's one there's a bunch of young kids who
Speaker 6: was reading that, well, I just read such and such book,
Speaker 6: and you know, now I'm gonna try to do it
Speaker 6: like this and this and this, right, which is great.
Speaker 1: You know, you're sharing that wealth of knowledge. I always
Speaker 1: think that.
Speaker 6: Those the person who wrote the book, the author's peers
Speaker 6: at that age group, we are probably looking at this dude,
Speaker 6: like a dude or woman, like why then you just
Speaker 6: share this stuff while you were doing it, right, Like
Speaker 6: why don't you tell me while you were taking these risks,
Speaker 6: so that now we can all be writing I Tell
Speaker 6: All books. We can all be on these shots, we
Speaker 6: can all be on this stuff, right. And that's what
Speaker 6: I'm like, all right, like, let's just let's just share
Speaker 6: as we go, right. And for me, it's about taking
Speaker 6: a humble approach, or making the information humble in the
Speaker 6: sense of like it's not overwhelming, it's not like there's
Speaker 6: certain things that are complex, you know, more complex than others.
Speaker 6: But all of this stuff is once you take some
Speaker 6: time and dive into it, you're just like what this is?
Speaker 3: You know, this can be.
Speaker 6: Easy, And I think that sadly, a lot of people
Speaker 6: trying to teach or a lot of people trying to
Speaker 6: and you know, we're not even talking about specifically giving back,
Speaker 6: but I look at the professor stuff as one of
Speaker 6: my versions of giving back. Absolutely education and a lot
Speaker 6: of people trying to teach or or give information they
Speaker 6: want you to think that what they do is rockets.
Speaker 7: You know how we can tell is giving back because
Speaker 7: you're doing it right. Those kids are being inspired and
Speaker 7: you'll never know the impact.
Speaker 6: Right.
Speaker 5: But there are a bunch of athletes who are looking
Speaker 5: at you like wow, like I could do that.
Speaker 7: I wish I could do that right, and their reason
Speaker 7: out like when we posted you, like a bunch of
Speaker 7: athletes were like, hey.
Speaker 4: Well we have a lot of shout out to the
Speaker 4: NFL For some reason, I don't know, but like half
Speaker 4: of the NFL follows us right our page. So we're
Speaker 4: getting more basketball players shout to Al Harrington, shout out
Speaker 4: to a couple of other league guys in the League.
Speaker 4: But I'm proud of the NFL guys because they're really
Speaker 4: taking financial literacy.
Speaker 5: Serious and they I don't think it's a coincidence.
Speaker 4: And what you said was key as far as to
Speaker 4: make the information understandable to the people. And I think
Speaker 4: that's one of the driving forces behind our podcast, is
Speaker 4: that our people don't really want to read Barons and
Speaker 4: even I don't really want to read Baron. I'm fall
Speaker 4: asleep when I'm reading there, you know what I mean.
Speaker 3: It's like.
Speaker 4: But the information that we deliver, they know that it's
Speaker 4: like a conversation they can have in a barbershop, but
Speaker 4: these conversations aren't being had at the barbershop. So now
Speaker 4: they can tune in once a week and they can
Speaker 4: check it out and they and the good thing about
Speaker 4: our platform is that everybody that we are bringing in
Speaker 4: are from different walks of life, different areas, but the
Speaker 4: one common that it is that they all are willing
Speaker 4: to share time and give out free game. And that's
Speaker 4: what you just did and it's commendable. So first and foremost,
Speaker 4: we want to thank you for coming, and can you
Speaker 4: tell people how to contact you and the initiatives your
Speaker 4: camp all that all that information.
Speaker 6: Yeah man, I'll keep it keep it short. So you
Speaker 6: can reach out to me at at B. Cooke fifty
Speaker 6: one b C O P E five one on Instagram.
Speaker 6: I also have a website www dot bcopeland dot com.
Speaker 6: There's a contact section right there. It'll get directly to me.
Speaker 6: We have a football camp coming up this summer in Baltimore.
Speaker 6: Free Football Camp for the youth. Will probably have about
Speaker 6: five hundred kids this year, which is crazy to see
Speaker 6: the grow. Our camp is older than is longer than
Speaker 6: the average NFL lifespan right now, so we're going in
Speaker 6: the year four, which is crazy. But we do a
Speaker 6: lot of different we Our camp is literally not about football.
Speaker 6: We we have a thousand book bags that the kids
Speaker 6: put together and a thousand hygien kids that the kids
Speaker 6: put together and they distribute out to their own city.
Speaker 6: Right so now we're encouraging them to get back early
Speaker 6: and understanding that it's not just writing a check, it's
Speaker 6: not about that, it's about time, it's about efforts, about
Speaker 6: passion and uh and yeah man, we just continue to
Speaker 6: build this empire, continue to try to get out this
Speaker 6: financial literacy and fo along with you all and help change.
Speaker 4: The world, collaboration is better than competition, as my man
Speaker 4: Max the Mad, So you know, that's that's what we're doing.
Speaker 3: Man.
Speaker 4: That's another thing that we want to show as well,
Speaker 4: as far as we don't have to be in competition
Speaker 4: with each other, you can work with each It's actually
Speaker 4: more beneficial to work with somebody.
Speaker 5: And it's fun.
Speaker 7: Man, it's fun because like every time we sit down
Speaker 7: with the guests, like we're learning to we learned something
Speaker 7: like we're learning as you speak, and when we listen back,
Speaker 7: we're like, wow, that's a gem. I hope everybody heard
Speaker 7: that on because that's what we used to do it
Speaker 7: like lyrics, Like we would listen to it and I'm like, yo,
Speaker 7: you heard what he said.
Speaker 5: And then we realized that every yeah, we want that,
Speaker 5: Like everybody didn't hear it the same way.
Speaker 7: And it was like, all right, well that's what we're
Speaker 7: going to do the finance like we're gonna wait, I
Speaker 7: don't think they're hearing it the same so let's explain it, right,
Speaker 7: you know what I mean?
Speaker 6: He coded, Yeah, you're doing a great job of taking
Speaker 6: the time to do that, right. A lot of people
Speaker 6: they just spit it at you.
Speaker 1: If you pick it up.
Speaker 5: You pick it up.
Speaker 1: If you didn't, it's on you.
Speaker 6: And I think that you guys are doing an amazing
Speaker 6: job of like like you said, taking the time to
Speaker 6: decode it, taking the time to humble it, and uh,
Speaker 6: you know, egos out the out the door, creating that
Speaker 6: non judgmental zone. It's crucial so that we can have
Speaker 6: these conversations because just by having a conversation, you end
Speaker 6: up learning. You know, you might even go in the conversation.
Speaker 6: I have conversations with people about finance now and you're
Speaker 6: not even there was no intent in the conbo. We
Speaker 6: weren't talking, we weren't supposed to be talking about real estate.
Speaker 6: Were just talking about mindset, and somehow it never leads
Speaker 6: us to one of us learning something that might save
Speaker 6: us some money, save us some interest on the Morgans
Speaker 6: or something like that. So that's a beautiful thing. And
Speaker 6: to continue to create that environment, y'all are y'all are
Speaker 6: leading away?
Speaker 5: So I appreciate.
Speaker 3: Patreon.
Speaker 5: Yeah, man, so Patreon it is doing pretty well. You know,
Speaker 5: we explain it every episode.
Speaker 7: It's a way to financially support the podcast so that
Speaker 7: we could come to your city or do things in
Speaker 7: our city.
Speaker 5: You know that can uplift people and give them more information.
Speaker 5: You know, we have five different tiers.
Speaker 7: You can join at any tiers starts like two dollars
Speaker 7: if you like, for just general things, and then as
Speaker 7: you you add more to the tears, you get more things.
Speaker 5: So we got some new members.
Speaker 7: Shout out to Cody, and shout out to Terry and
Speaker 7: Savannah and t and our newest member, VICKI. Shout out
Speaker 7: to you for joining. We look forward to having our
Speaker 7: video conference with you in the very near future. Yeah,
Speaker 7: but you know, keep supporting Patreon. Our merch is up
Speaker 7: on our website or a leisure dot com. You know,
Speaker 7: like I said, season two, we got some new new
Speaker 7: things coming out, so be on the lookout for that reliability.
Speaker 3: Yeah.
Speaker 5: Yeah, civilized really share.
Speaker 3: That's the slogan that we're running with.
Speaker 7: I got the podcast t shirt on. It's funny like
Speaker 7: every like we walk out and people are looking they're like, wait,
Speaker 7: is that you good?
Speaker 5: Sure?
Speaker 7: And you know it's a conversation starter, like we know
Speaker 7: that people are looking at what we're wearing all the time.
Speaker 5: That's our culture.
Speaker 7: Like we're gonna watch to see what you have on
Speaker 7: first and then we'll start a conversation after that, so
Speaker 7: we might as well give them a good message.
Speaker 4: So before we leave, my book tip of the week is,
Speaker 4: I'm currently so all right. Valencia is the teacher that
Speaker 4: we had on She Let the Cat Out to Day.
Speaker 4: I don't actually read these books. I listen to audiobooks,
Speaker 4: say so. My audiobook that I'm listening to right now
Speaker 4: is called The Smartest Guys in the Room. It's about
Speaker 4: the end Run debacle scandal. So if you're into that
Speaker 4: kind of thing, I highly recommend it this. It's interesting,
Speaker 4: it's entertaining, and it talks about how the financial system
Speaker 4: can go wrong and how greed can lead to very
Speaker 4: bad things.
Speaker 3: So that is my book tip.
Speaker 7: Let me can I give him a quote? Because I
Speaker 7: heard Brandon said and I was like, oh man, I
Speaker 7: got give them this line. So I'm a quote she
Speaker 7: lose from the lock Channel and I want full shot
Speaker 7: out the younkers. But he said, plan for your future
Speaker 7: because you're going to be older a lot longer than you're.
Speaker 5: Gonna be younger.
Speaker 3: And I was like, money power, respect, money.
Speaker 7: Power respect, right, because that's important, right, Like how much
Speaker 7: time do you have to be young? Like I think
Speaker 7: you said that, like at twenty five, are you young?
Speaker 5: Right? But you still got fifty plus years.
Speaker 7: You know, God blessed to be a functioning person in life,
Speaker 7: So you're gonna be older a lot longer you're.
Speaker 5: Gonna be younger, So you got to plan accordingly.
Speaker 3: Man plan accordingly. That's a fact. So once again, thank
Speaker 3: you guys for rocking with us. We'll see you next week. Piece.
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