WEBVTT - EYL #19 More than an Athlete feat. Brandon Copeland

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<v Speaker 1>Hey, y'all, faris Rucker here.

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<v Speaker 2>You know a lot of people ask me what inspires

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<v Speaker 2>your music, and one of the big things is a

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<v Speaker 2>strong sense of place. That's why I love my home

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<v Speaker 2>states of South Carolina and want to share the awesome

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<v Speaker 2>things that has to offer, from the beautiful mountains down

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<v Speaker 2>to the sunny coast. It's got it all, not to

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<v Speaker 2>mention two of my personal favorites, great golf and amazing food.

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<v Speaker 2>Come see why I love this place. Visit discover south

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<v Speaker 2>Carolina dot com.

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<v Speaker 3>Damn you did sell all.

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<v Speaker 4>Right, welcome back, Earn you Alsia Episode nineteen, almost twenty

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<v Speaker 4>weeks in.

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<v Speaker 5>It was all a dream? Is this?

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<v Speaker 3>This is crazy? This is crazy.

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<v Speaker 4>Now we want to thank you guys for rocking with us,

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

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

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<v Speaker 4>best part. So I'm gonna jump right into We got

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<v Speaker 4>an extremely special guest today once again, somebody that so

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<v Speaker 4>we if you listen to the podcast, you know we

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<v Speaker 4>interviewed Al Harrington.

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<v Speaker 3>Right.

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<v Speaker 4>Al Harrington was somebody that we wrote a post about

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<v Speaker 4>and then from that post, he you know, engaged with

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<v Speaker 4>us and then we we we reached out to him

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<v Speaker 4>and we went to l A and we actually had

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<v Speaker 4>a conversation with him right on the podcast. So once

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<v Speaker 4>again similar situation.

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<v Speaker 5>Right, you want to get the backstart the power.

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<v Speaker 6>Yeah.

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<v Speaker 7>Yeah, So this is this is the you know, uh,

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<v Speaker 7>standard procedure for us is like, I'll read articles at

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<v Speaker 7>five thirty in the morning. I think we spoke about

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<v Speaker 7>that on when we were with Q and I'll go

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<v Speaker 7>through articles and I'll find, you know, things that are

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<v Speaker 7>very interesting and i think would relate on our page.

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<v Speaker 7>And I came across this article about Brandon Copeland and

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<v Speaker 7>I'm like, wait, wow, this guy's amazing.

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

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<v Speaker 5>Sports Center.

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<v Speaker 7>And I'm like, oh, no, no, no, this guy is

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<v Speaker 7>on the same path as us. We have to meet

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<v Speaker 7>this guy. We have to talk to this guy. And

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<v Speaker 7>said it to you like five thirty in the morning.

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<v Speaker 7>I know you're sleeping, but I'm like, he has to

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<v Speaker 7>see this. And as soon as you woke up, you

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<v Speaker 7>put the post up and the traction was crazy.

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<v Speaker 3>Yeah, it was one of our biggest posts.

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<v Speaker 4>So Brandon Coplan, if you're not familiar, he plays for

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<v Speaker 4>the Jets.

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<v Speaker 3>But that's the only part of his story. He is

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<v Speaker 3>a U.

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<v Speaker 4>Penn graduate, if anybody's not familiar, Upinn has one of

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<v Speaker 4>the best business business schools in the world, the Wharton

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

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<v Speaker 4>a lot of NFL players. But also he works on

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<v Speaker 4>Wall Street during the off season. He has a real

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<v Speaker 4>estate investment company, and he actually is a college professor

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

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<v Speaker 4>this is crazy, Like you know what I mean, Like

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<v Speaker 4>we highlight bad things with you know, people make mistakes

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<v Speaker 4>in any realm, but it seems like athletes always get

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<v Speaker 4>highlighted the most, right anytime that this is domestic violence,

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<v Speaker 4>anything like that happens. So it's like we need to

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<v Speaker 4>highlight this like this this is just a dope story.

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<v Speaker 4>So I put the story out and once again I

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

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<v Speaker 4>connect with you, and he.

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<v Speaker 3>Was like, yeah, let's connect. So I was like what.

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<v Speaker 4>So I shot with DM and we worked it out

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

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<v Speaker 4>like you said, power social media, social media. So first

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<v Speaker 4>of almost thank you, thank.

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<v Speaker 6>You pleasure to be here, pleasure to be with y'all.

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<v Speaker 6>I love what y'all are doing.

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<v Speaker 3>Man, We're gonna jump right into it.

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<v Speaker 4>So all right, So the theme of our show is

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<v Speaker 4>the backstory the financial side of sports entertainment business as well.

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<v Speaker 4>But we we really focus on sports entertainment a lot

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<v Speaker 4>because we feel like, especially in our culture, people don't

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<v Speaker 4>fully understand what goes on behind the scenes, right, Like

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<v Speaker 4>everybody wants to be in the NBA, NFL or sell

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

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<v Speaker 4>It's sports business, the music business, the entertainment business.

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<v Speaker 1>Right.

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<v Speaker 5>That part gets left off the title.

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<v Speaker 3>It always does. It always does, it always does.

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<v Speaker 4>So you have a very interesting story, and we was

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<v Speaker 4>reading it, you know, the last couple of days. So

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

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<v Speaker 4>You made your contract with from one point two million. Yeah,

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<v Speaker 4>I was good, But now you have like thirty five

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<v Speaker 4>forty thousand. Yeah, So yeah, can we just kind of

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<v Speaker 4>break that down because to me, it's interesting as far

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<v Speaker 4>as like NFL players, because you have an off season,

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<v Speaker 4>so a lot of people don't aren't familiar, like do

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<v Speaker 4>you get paid on the off season or how frequent

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<v Speaker 4>do you get paid. And then there's a thing called

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<v Speaker 4>the jock tax when you go to different states and

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

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<v Speaker 4>you kind of just break that down?

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<v Speaker 6>Yeah, man, there's layers to that, layers. So yeah, So

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<v Speaker 6>the way I think of the NFL is nothing is

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<v Speaker 6>guarantee he unless you have certain stipulations within your contract

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<v Speaker 6>and all that type of stuff.

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

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<v Speaker 6>Know, more players are seeing that, that's a great thing

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<v Speaker 6>and a blessing to have. But when you see these

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<v Speaker 6>big contracts, you know, Russell Wilson one hundred and forty million,

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<v Speaker 6>I can't remember how much guaranteed, maybe sixty five or

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<v Speaker 6>something sixty quaranteed, right, that's what he can bank on, right,

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<v Speaker 6>you see the big number. But if Russell Wilson gets

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<v Speaker 6>hurt in year four, year five, whatever, right, he's not

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<v Speaker 6>seeing the rest of that money potentially. So that's different

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<v Speaker 6>from basketball. That's different from baseball and other sports. So

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<v Speaker 6>as I entered the league in twenty thirteen, I was

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<v Speaker 6>undrafted out of University of Pennsylvania.

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<v Speaker 1>I remember the Baltimore.

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

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<v Speaker 6>to be quite honest with you, I was pissed off, right,

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<v Speaker 6>Not because I was pissed off that I didn't get drafted.

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<v Speaker 6>That was really what it was, right, and it just

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<v Speaker 6>had a big chip on my shoulder. So for me,

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<v Speaker 6>I've been fortunate to just have this lens on life

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<v Speaker 6>and perspective where I'm not really a fan of too

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<v Speaker 6>much or anyone. So I remember, as a rookie enter

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<v Speaker 6>in the locker room, and this is my hometown team.

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<v Speaker 6>These are the guys I looked up to growing up,

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<v Speaker 6>and I remember this is fresh off of Super Bowl,

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<v Speaker 6>Fresh off of Super Bowl. I remember, actually, you know what,

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<v Speaker 6>the perfect story that might describe me. As my agent

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<v Speaker 6>at the time, he took us out right before the draft,

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<v Speaker 6>took us out in New York to some club up

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<v Speaker 6>there to just celebrate that night before the draft of

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<v Speaker 6>like all the work you put in and all that

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<v Speaker 6>type of stuff. And I remember, you know, like I said,

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<v Speaker 6>I grew up in Baltimore, that purple and black, you know.

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<v Speaker 6>I remember being in the house and seeing them, you know,

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<v Speaker 6>win the Super Bowl and bragging all my roommates and

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<v Speaker 6>all that type of stuff, wearing that with pride and

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<v Speaker 6>in the club. That for me was like my introduction

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<v Speaker 6>to the NFL, even though I wasn't even in it

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<v Speaker 6>at the time. But you had all of these different

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<v Speaker 6>That was when the draft was still in New York,

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<v Speaker 6>so you had all these different rappers and in different sections.

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

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<v Speaker 1>My agent got as a section.

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<v Speaker 6>And the other guys there where you had Adrian Peterson

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<v Speaker 6>with a section, Ludacris across the way g Z, and

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<v Speaker 6>there was ray Rice, and I remember Ray Rice walked

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<v Speaker 6>up and I remember speaking to him and I'm like, yo,

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<v Speaker 6>I just want to say, you know, you really put

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

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<v Speaker 6>I appreciate you, respect you. But a couple of days

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<v Speaker 6>like I'm gonna be in the NFL.

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<v Speaker 3>Too, so.

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

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<v Speaker 6>But before that, I want to tell you how much

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<v Speaker 6>I respect you. So anyway, I say all that to

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<v Speaker 6>say a few days later, I get the call go

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<v Speaker 6>to the Ravens. Had that chip on my shoulder. But

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<v Speaker 6>the weird thing about the NFL is like I said,

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<v Speaker 6>I keep it. I've been blessed to be able to

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<v Speaker 6>keep things in a perspective and understand that, Okay, I

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<v Speaker 6>just got this call that says, hey, you're get a

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

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

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<v Speaker 6>make the fifty three or to make practice squad whatever.

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<v Speaker 1>Right.

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<v Speaker 6>Sadly, there's a lot of guys who are like, oh,

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

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<v Speaker 6>might be cut, or after this rookie mini camp you

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<v Speaker 6>might be cut. Right, So at that time, again, like

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<v Speaker 6>I said, I signed a three year, one point two

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<v Speaker 6>million dollar deal. However I got cut going into the

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<v Speaker 6>actual season, made it all through preseason and all that stuff,

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<v Speaker 6>got cut going into the actual season, and that jumped

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<v Speaker 6>my money down to a practice squad guy. After four weeks,

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<v Speaker 6>I got cut from Baltimore, So I really got four

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<v Speaker 6>weeks of pay. And then again, I mean there were

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<v Speaker 6>guys who got cut in the middle of training camp.

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<v Speaker 6>There's guys who got cut after three days.

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<v Speaker 7>So that there's a process after you get drafted, right,

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<v Speaker 7>because that's even a little confusing, Right, there's OTAs that

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<v Speaker 7>you have to make the tap. Then there is training

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<v Speaker 7>camp that you have to make the team. Then you

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<v Speaker 7>got four preseason game yeah, and so trying to make

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<v Speaker 7>the team.

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<v Speaker 5>Right.

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<v Speaker 6>So the way I would think of it is you're

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<v Speaker 6>never really on the team. You know, depending on who

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<v Speaker 6>you are, you're never really on the team. Like I

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<v Speaker 6>even joke with my students this semester and even right

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<v Speaker 6>right now, like I could get this phone, go start ringing,

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<v Speaker 6>Nigga call be like listen code, like did you bring

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<v Speaker 6>your iPad up here? Like we were going in a

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

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<v Speaker 6>like you said, every single day, I mean they always

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<v Speaker 6>say that every day is an interview, but like literally,

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

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<v Speaker 6>who you are, right your first round, second round, you

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<v Speaker 6>probably are guaranteed that first year, right, But that doesn't

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<v Speaker 6>mean you're guaranteed three years from now, four years from now, right,

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<v Speaker 6>And that's you. You just hope and pray that young

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<v Speaker 6>guys come in and understand that. And me, fortunately I

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<v Speaker 6>understood it. It was what motivated me to want to be

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<v Speaker 6>great and make the team and still be here seven

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<v Speaker 6>years later, right, But for a lot of guys, Like

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<v Speaker 6>I remember rookie years, some guys would go to this

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<v Speaker 6>mall across the street from our hotel, and I remember

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<v Speaker 6>getting on Snapchat. Snap was like big at the time,

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<v Speaker 6>and getting on there and they literally walking in there

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<v Speaker 6>selfie videos stunting like we're about to census SAG And

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<v Speaker 6>I'm like, bro, y'all all making the same thing I'm

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<v Speaker 6>making right now, which is like like maybe one hundred

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<v Speaker 6>and fifty bucks after all.

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<v Speaker 4>Right, so you had a one point two million dollar contract,

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<v Speaker 4>but then you four weeks in, you got demoted to

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<v Speaker 4>practice team right.

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<v Speaker 6>Now, so you get drafted or undrafted in the spring.

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<v Speaker 6>So like our rookies just showed up this weekend. So

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<v Speaker 6>where we may whatever we are right now, we train, train, training,

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<v Speaker 6>you can be there's guys being cut, there's guys being signed.

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<v Speaker 6>That entire time, like that roster is fluctuating. And then

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<v Speaker 6>by the time you get the training camp, you start

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<v Speaker 6>training camp in late July with ninety guys on the roster,

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<v Speaker 6>that roster fluctuates a bit, and then by the end

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<v Speaker 6>of August beginning of September, that roster cuts down to

0:11:42.840 --> 0:11:45.079
<v Speaker 6>fifty three and then on top of that fifty three

0:11:45.120 --> 0:11:47.440
<v Speaker 6>you have ten practice squad guys. I made it from

0:11:47.480 --> 0:11:52.040
<v Speaker 6>that May all the way through to August. I got cut,

0:11:52.240 --> 0:11:54.600
<v Speaker 6>became one of those practice squad guys where your salary

0:11:54.640 --> 0:11:58.640
<v Speaker 6>goes from a minimum of like four hundred thirty thousand

0:11:58.760 --> 0:12:03.080
<v Speaker 6>to one hundred thousand. And then four weeks later, four

0:12:03.120 --> 0:12:06.240
<v Speaker 6>weeks into the season, that's when I got released from

0:12:06.280 --> 0:12:06.880
<v Speaker 6>the team.

0:12:07.000 --> 0:12:08.319
<v Speaker 5>And that's in Baltimore.

0:12:08.400 --> 0:12:09.120
<v Speaker 6>That's in Baltimore.

0:12:09.200 --> 0:12:11.240
<v Speaker 3>So none of that one point two million was guaranteed.

0:12:11.520 --> 0:12:12.560
<v Speaker 3>None of it, not.

0:12:12.480 --> 0:12:14.959
<v Speaker 5>Even I wish it looks good on paper.

0:12:14.960 --> 0:12:17.120
<v Speaker 6>Though it looks good, it sounds good. So there's also

0:12:17.480 --> 0:12:21.240
<v Speaker 6>that that's the problem that that that you see that

0:12:21.320 --> 0:12:25.680
<v Speaker 6>headline and then the vultures come get your right family.

0:12:25.960 --> 0:12:28.680
<v Speaker 5>Because now it's like on paper, look he's a millionaire.

0:12:28.760 --> 0:12:30.600
<v Speaker 3>Yeah yeah, but that's interesting.

0:12:30.960 --> 0:12:33.280
<v Speaker 4>I think people don't fully understand that, Like I can't

0:12:33.360 --> 0:12:34.760
<v Speaker 4>drive that home. All right, You got a one point

0:12:34.760 --> 0:12:37.760
<v Speaker 4>two million dollar contract. None of it was guaranteed. You

0:12:37.840 --> 0:12:41.320
<v Speaker 4>probably netted. How much you net probably probably like thirty

0:12:41.720 --> 0:12:42.360
<v Speaker 4>maybe that's.

0:12:42.200 --> 0:12:43.400
<v Speaker 3>How much you made from the.

0:12:43.400 --> 0:12:47.200
<v Speaker 6>Baltimore Ravens, Probably like thirty. Because in the spring I

0:12:47.240 --> 0:12:48.840
<v Speaker 6>made money in the spring, so like right now, you

0:12:48.920 --> 0:12:52.280
<v Speaker 6>might be making what maybe a couple hundred a week

0:12:52.360 --> 0:12:56.160
<v Speaker 6>because they take your your hotel and stuff that's the

0:12:56.240 --> 0:12:58.720
<v Speaker 6>team doesn't cover it. They cover it, but it's coming

0:12:59.160 --> 0:13:01.560
<v Speaker 6>out of your dam type of thing. I cover it,

0:13:01.800 --> 0:13:06.120
<v Speaker 6>but you just don't know, you know, you don't really

0:13:06.160 --> 0:13:10.240
<v Speaker 6>have a yeah anyway, so you're making maybe a few

0:13:10.320 --> 0:13:12.160
<v Speaker 6>hundred a week, and they cover your meals and all

0:13:12.160 --> 0:13:13.640
<v Speaker 6>that stuff on the weekend, so you don't really have

0:13:13.720 --> 0:13:18.160
<v Speaker 6>too many expenses. But then as you get to preseason,

0:13:18.240 --> 0:13:20.800
<v Speaker 6>now you're making I want to say, seven hundred a

0:13:20.840 --> 0:13:23.360
<v Speaker 6>week before taxes.

0:13:23.400 --> 0:13:23.559
<v Speaker 3>So.

0:13:25.520 --> 0:13:29.920
<v Speaker 6>You know, and that's what maybe five to six weeks,

0:13:30.360 --> 0:13:32.959
<v Speaker 6>so you really like four you know, who knows what

0:13:33.040 --> 0:13:35.880
<v Speaker 6>that is? Four hundred a week after all dollars done.

0:13:36.000 --> 0:13:42.720
<v Speaker 6>Dollars yeah, dollars yeah. And then once the season hits.

0:13:42.880 --> 0:13:46.280
<v Speaker 6>As a practice squad guy, I was making I was

0:13:46.280 --> 0:13:49.640
<v Speaker 6>seeing about four k after taxes. I think my check

0:13:49.760 --> 0:13:54.120
<v Speaker 6>was like seven thousand, seventy five hundred per week before,

0:13:54.360 --> 0:13:58.720
<v Speaker 6>so about four thousand after and less did that for

0:13:58.720 --> 0:14:01.720
<v Speaker 6>four weeks, so that's about sixteen right there. So I

0:14:01.760 --> 0:14:03.720
<v Speaker 6>probably made a little less than thirty from the Baltimore

0:14:03.800 --> 0:14:08.120
<v Speaker 6>Raisins and then two weeks later I got cut week four.

0:14:08.120 --> 0:14:09.800
<v Speaker 6>Two weeks later, I got picked up by the Tennessee

0:14:09.840 --> 0:14:13.240
<v Speaker 6>Titans practice squad with them for a bunch of weeks.

0:14:13.360 --> 0:14:15.720
<v Speaker 6>I got cut by them. A lot of people don't

0:14:15.720 --> 0:14:20.480
<v Speaker 6>know this too. It's like in my family, they understand.

0:14:20.520 --> 0:14:24.880
<v Speaker 6>And it's so funny that so at Tuesday at four

0:14:24.920 --> 0:14:27.440
<v Speaker 6>pm Eastern is when your money is guaranteed for the week.

0:14:27.920 --> 0:14:30.600
<v Speaker 6>So for me and the way that my career has been,

0:14:30.880 --> 0:14:35.720
<v Speaker 6>and I'm not superstitious, but I just I have certain things.

0:14:35.760 --> 0:14:38.480
<v Speaker 1>I have my routine. My family knew.

0:14:38.560 --> 0:14:43.600
<v Speaker 6>Don't call me Tuesday after four pm Eastern, right, So,

0:14:43.880 --> 0:14:46.920
<v Speaker 6>and where's that come from? Like I've been cut at

0:14:46.960 --> 0:14:49.200
<v Speaker 6>three fifty six pm Eastern wild, right.

0:14:49.120 --> 0:14:51.120
<v Speaker 3>So you don't get paid, don't get paid.

0:14:51.800 --> 0:14:54.080
<v Speaker 6>So if you get cut at four h one pm,

0:14:54.400 --> 0:14:56.600
<v Speaker 6>I'm paid for that week if I don't. So when

0:14:56.600 --> 0:14:58.840
<v Speaker 6>I was in Baltimore, they cut me on Wednesday morning

0:14:59.320 --> 0:15:01.440
<v Speaker 6>because they were like, had were planning on bringing you back,

0:15:01.600 --> 0:15:03.840
<v Speaker 6>you know, to showing good faith you, you know, we

0:15:04.040 --> 0:15:05.920
<v Speaker 6>we like you, all that type of stuff. We just

0:15:05.960 --> 0:15:08.560
<v Speaker 6>need to make some other roster changes. Blah blah, blah blah.

0:15:08.600 --> 0:15:11.240
<v Speaker 6>So you know, take the time off, you know, go work,

0:15:11.440 --> 0:15:13.560
<v Speaker 6>stay stay in shape, but we'll bring you back this week.

0:15:13.600 --> 0:15:19.280
<v Speaker 6>Then still waiting on that. But then Tennessee one time,

0:15:19.960 --> 0:15:24.320
<v Speaker 6>these dudes, man, I uh, it's funny. I went and

0:15:24.360 --> 0:15:28.480
<v Speaker 6>did like a whole charity out event for him. I went,

0:15:28.480 --> 0:15:31.360
<v Speaker 6>we went to a high school and uh, you know,

0:15:31.680 --> 0:15:35.960
<v Speaker 6>Tennessee Titans jerseys and all that type of stuff. And

0:15:36.000 --> 0:15:38.120
<v Speaker 6>on the way not on the way back. Later on

0:15:38.560 --> 0:15:42.400
<v Speaker 6>that evening, I had some rehabs set up a massage

0:15:42.400 --> 0:15:46.040
<v Speaker 6>appointment and it's three fifty six. I get the call.

0:15:46.120 --> 0:15:48.800
<v Speaker 6>I'm like this random Tennessee number, pick up the phone

0:15:48.880 --> 0:15:51.800
<v Speaker 6>and man, we need you to bring in your Oh man,

0:15:52.480 --> 0:15:54.360
<v Speaker 6>y'all knew this before you send me on the event.

0:15:55.440 --> 0:15:57.360
<v Speaker 4>The whole they sent you on, the whole charity thing

0:15:57.880 --> 0:16:00.600
<v Speaker 4>and all that, And then they waited for minutes before

0:16:00.600 --> 0:16:01.480
<v Speaker 4>the deadline of country.

0:16:01.480 --> 0:16:02.880
<v Speaker 3>So you don't get paid for the week minutes?

0:16:02.920 --> 0:16:04.640
<v Speaker 5>What about the massage? You have to cancel it another.

0:16:06.400 --> 0:16:08.400
<v Speaker 6>To be quite honest with you, I told myself, I

0:16:08.440 --> 0:16:11.240
<v Speaker 6>was like, I probably should cancer because I don't know

0:16:11.240 --> 0:16:13.200
<v Speaker 6>when that next check you comes right right? You know what?

0:16:13.200 --> 0:16:14.160
<v Speaker 1>Hey, man, you gotta.

0:16:14.600 --> 0:16:17.360
<v Speaker 6>I probably need it right now, you know, I probably

0:16:17.400 --> 0:16:20.240
<v Speaker 6>need to just relax. So uh so yeah, so my

0:16:20.280 --> 0:16:24.680
<v Speaker 6>family literally they would know, don't call me on Tuesday.

0:16:24.720 --> 0:16:27.800
<v Speaker 6>So literally at four to one, so years later, four

0:16:28.000 --> 0:16:32.200
<v Speaker 6>one pm. Whenever I was good, I'd send them a

0:16:32.200 --> 0:16:37.080
<v Speaker 6>bunch of gifts, a bunch of money, we count making

0:16:37.120 --> 0:16:39.120
<v Speaker 6>it range and all that type of stuff. And then

0:16:39.320 --> 0:16:43.960
<v Speaker 6>after you get to year five, uh, once that ball

0:16:44.040 --> 0:16:45.880
<v Speaker 6>is kicked off in your first in the FO game,

0:16:46.280 --> 0:16:49.520
<v Speaker 6>then you're guaranteed your salary for the whole year. So

0:16:49.560 --> 0:16:54.000
<v Speaker 6>like last year, that veterans veteran, so last year was

0:16:54.040 --> 0:16:57.960
<v Speaker 6>my first year having that. So after that first game,

0:16:58.680 --> 0:17:01.360
<v Speaker 6>I just sent them like six to you know, sixteen

0:17:01.400 --> 0:17:04.359
<v Speaker 6>different ones. But it's it's a lot of that goes

0:17:04.359 --> 0:17:06.879
<v Speaker 6>into it, basically, you know, with what you're getting at

0:17:07.000 --> 0:17:08.720
<v Speaker 6>is there's a lot that goes into it that people

0:17:08.720 --> 0:17:11.520
<v Speaker 6>don't think about. They don't understand. Yes, you see that

0:17:11.560 --> 0:17:15.160
<v Speaker 6>big contract, you see that big number, and that is great, right,

0:17:15.480 --> 0:17:18.199
<v Speaker 6>but what are you really getting from that one? You

0:17:18.240 --> 0:17:20.840
<v Speaker 6>got a fifty percent of it gone off.

0:17:21.119 --> 0:17:23.680
<v Speaker 4>The talk about that because a lot of people don't

0:17:23.680 --> 0:17:25.880
<v Speaker 4>fully understand how taxes work, right, and they're.

0:17:25.680 --> 0:17:27.640
<v Speaker 3>Like, well, you should, you should set up corporation.

0:17:27.880 --> 0:17:30.520
<v Speaker 4>Like their employees, they get paid, it's like how you

0:17:30.560 --> 0:17:33.040
<v Speaker 4>get paid, right, so they don't have opportunity to defer

0:17:33.480 --> 0:17:34.040
<v Speaker 4>the income.

0:17:34.440 --> 0:17:35.400
<v Speaker 3>It's it's not an.

0:17:35.280 --> 0:17:37.880
<v Speaker 6>Option, right, your boss ain't going for that exactly.

0:17:38.160 --> 0:17:40.960
<v Speaker 4>So I because social media a lot of times people

0:17:40.960 --> 0:17:43.639
<v Speaker 4>write that like, well they if they were smart, Like, no,

0:17:43.720 --> 0:17:45.760
<v Speaker 4>it doesn't work like that, just like if you were smart,

0:17:45.760 --> 0:17:47.680
<v Speaker 4>you were doing that, right, No, you don't have that option.

0:17:47.800 --> 0:17:50.560
<v Speaker 4>So automatically fifty because you know how you tax. Automatically,

0:17:50.560 --> 0:17:54.760
<v Speaker 4>fifty percent goes to tax gone off the red. Depending

0:17:54.760 --> 0:17:57.080
<v Speaker 4>on what state you're in, it's even higher. Right then

0:17:57.160 --> 0:17:59.119
<v Speaker 4>it's stay taxed. They take that out of your paycheck

0:17:59.160 --> 0:18:00.600
<v Speaker 4>every time you get paid in that in that.

0:18:00.680 --> 0:18:05.639
<v Speaker 6>Particular Yep, yep, they'll do that. Uh Like if you so,

0:18:05.800 --> 0:18:07.919
<v Speaker 6>if you're playing in California, so you look at the schedule,

0:18:07.960 --> 0:18:11.080
<v Speaker 6>you're like, dangn I got three games in California, right

0:18:11.280 --> 0:18:15.720
<v Speaker 6>West coast trip that you know you get taxed at

0:18:15.760 --> 0:18:17.520
<v Speaker 6>that California rates thirteen percent.

0:18:17.840 --> 0:18:20.640
<v Speaker 4>And it's crazy because Rod Smith shout out to Rod Smith,

0:18:20.680 --> 0:18:22.520
<v Speaker 4>He's he's been a loyal follow up from the beginning

0:18:22.880 --> 0:18:25.280
<v Speaker 4>and anybody has a no Rod Smith, he's a Hall

0:18:25.320 --> 0:18:25.880
<v Speaker 4>of Famer.

0:18:25.720 --> 0:18:29.239
<v Speaker 5>Rint not yet but a legend, legend. And dev Den

0:18:29.760 --> 0:18:32.040
<v Speaker 5>Dever Broncos wide receiver Denver legend.

0:18:32.119 --> 0:18:34.960
<v Speaker 4>So I put a post up a while ago and

0:18:35.040 --> 0:18:37.080
<v Speaker 4>me and him he was common and he was like, yeah, well,

0:18:37.119 --> 0:18:39.920
<v Speaker 4>people don't realize it's that all right. California has the

0:18:40.000 --> 0:18:41.960
<v Speaker 4>highest state tax in the country, right, like thirteen percent,

0:18:42.040 --> 0:18:43.520
<v Speaker 4>like you said. But let's say you've played it in

0:18:43.680 --> 0:18:46.240
<v Speaker 4>for Miami Dolphins Florida, right, which Florida has no state

0:18:46.320 --> 0:18:49.639
<v Speaker 4>income tax, right, So what happens is that you might

0:18:49.840 --> 0:18:54.119
<v Speaker 4>practice in Florida from Monday to let's say Thursday, right,

0:18:54.520 --> 0:18:58.000
<v Speaker 4>fly when you fly off on a Sunday game Saturday Saturday,

0:18:58.040 --> 0:19:02.000
<v Speaker 4>So you practice from Monday is Saturday in Florida, you

0:19:02.320 --> 0:19:06.200
<v Speaker 4>are in Florida. You're in California for Saturday and Sunday

0:19:06.600 --> 0:19:10.120
<v Speaker 4>maybe like Monday morning early. So you only spent two

0:19:10.200 --> 0:19:13.040
<v Speaker 4>days in California, but the whole week is taxed in

0:19:13.119 --> 0:19:14.680
<v Speaker 4>California because that's where you played the game.

0:19:14.720 --> 0:19:14.840
<v Speaker 8>Man.

0:19:15.280 --> 0:19:17.719
<v Speaker 4>So even though you prepared, like only spend forty eight

0:19:17.800 --> 0:19:21.240
<v Speaker 4>hours in that particular state and you practiced in the

0:19:21.320 --> 0:19:23.960
<v Speaker 4>state that you actually live in. But it doesn't matter.

0:19:24.080 --> 0:19:26.160
<v Speaker 4>You played that game in that space for the whole week.

0:19:26.600 --> 0:19:28.760
<v Speaker 4>The whole week's paycheck is taxed in California.

0:19:28.840 --> 0:19:32.320
<v Speaker 5>Yeah, so you guys played Jersey state tax or is

0:19:32.359 --> 0:19:34.920
<v Speaker 5>it right? That's what it got played?

0:19:34.960 --> 0:19:37.720
<v Speaker 6>Yeah, okay, but I wouldn't be surprised New York trying

0:19:37.760 --> 0:19:38.520
<v Speaker 6>to take a little bit of that.

0:19:38.760 --> 0:19:39.480
<v Speaker 5>I'm thinking like.

0:19:41.800 --> 0:19:45.480
<v Speaker 1>New York, but I wouldn't be surprised.

0:19:45.520 --> 0:19:48.639
<v Speaker 6>Trust me, I'd have seen a lot I've seen, like

0:19:48.720 --> 0:19:51.159
<v Speaker 6>you said, every so when we play a team in Texas,

0:19:51.200 --> 0:19:55.240
<v Speaker 6>it's like, okay, cool, right, London games, London international taxes,

0:19:55.280 --> 0:20:00.159
<v Speaker 6>they cost a bit too, right, Florida teams you know,

0:20:00.320 --> 0:20:02.359
<v Speaker 6>you see Miami or Tampa ballion schedule.

0:20:02.400 --> 0:20:04.440
<v Speaker 1>You're likes Tennessee, you know cool?

0:20:06.359 --> 0:20:09.520
<v Speaker 6>Another thing you know a few years ago, there was

0:20:09.560 --> 0:20:12.000
<v Speaker 6>a guy in the locker room when I was in Detroit. Detroit,

0:20:12.119 --> 0:20:14.359
<v Speaker 6>they have the city tax and the state tax, so

0:20:14.400 --> 0:20:16.159
<v Speaker 6>they'll tax you in Michigan and then they'll tax you

0:20:16.200 --> 0:20:22.120
<v Speaker 6>in Detroit. Now, when we so, one guy got very

0:20:22.280 --> 0:20:25.960
<v Speaker 6>very smart. His financial advisor accountant got very very smart

0:20:26.040 --> 0:20:28.480
<v Speaker 6>with it. Because again, like you said, if you guys

0:20:28.480 --> 0:20:30.479
<v Speaker 6>are want to play the game with me of like, okay, hey,

0:20:30.560 --> 0:20:34.840
<v Speaker 6>I'm only here for twenty four hours. You know, sometimes

0:20:34.880 --> 0:20:37.000
<v Speaker 6>we fly in at five pm, we out the next

0:20:37.119 --> 0:20:39.720
<v Speaker 6>day at five pm after the game kickoffs at one.

0:20:41.400 --> 0:20:42.760
<v Speaker 1>You know, I'm only here for twenty four hours. You're

0:20:42.760 --> 0:20:43.760
<v Speaker 1>gonna tax me for the whole week.

0:20:44.080 --> 0:20:49.160
<v Speaker 6>I remember. His issue was Detroit was taking tax every

0:20:49.200 --> 0:20:52.640
<v Speaker 6>single week as if we trained.

0:20:52.320 --> 0:20:54.239
<v Speaker 1>There, played there, and all that stuff, like we were

0:20:54.280 --> 0:20:54.960
<v Speaker 1>there for the whole week.

0:20:55.040 --> 0:20:57.919
<v Speaker 6>So when when we played with the Lions, the our

0:20:58.040 --> 0:21:03.680
<v Speaker 6>facilities in Allen Park, the stadium is in Detroit, Michigan.

0:21:03.920 --> 0:21:06.640
<v Speaker 6>It's like a twenty minute ride. But Detroit was trying

0:21:06.680 --> 0:21:09.680
<v Speaker 6>to take taxes as if you were there every single play,

0:21:09.800 --> 0:21:13.320
<v Speaker 6>because they'll actually literally break down the days and be like, well,

0:21:13.400 --> 0:21:15.600
<v Speaker 6>you know you were here one hundred and such and

0:21:15.680 --> 0:21:19.119
<v Speaker 6>such days. So he was like, no, okay, I'm actually

0:21:19.200 --> 0:21:23.520
<v Speaker 6>only there out of the what eight home games. I'm

0:21:23.560 --> 0:21:25.960
<v Speaker 6>there Saturday night when we stay at the team hotel,

0:21:26.040 --> 0:21:29.439
<v Speaker 6>and I'm there Sunday when we played. So them one

0:21:29.480 --> 0:21:31.919
<v Speaker 6>hundred eighty days, now you got sixteen of them, right,

0:21:32.080 --> 0:21:34.520
<v Speaker 6>And so he ended up going back and getting some

0:21:34.600 --> 0:21:35.800
<v Speaker 6>money from Detroit on that.

0:21:37.040 --> 0:21:38.800
<v Speaker 7>So the interesting thing is like the way your mind's

0:21:38.800 --> 0:21:40.800
<v Speaker 7>working right now. You're like, if I'm play in Texas, right,

0:21:40.800 --> 0:21:42.680
<v Speaker 7>if I'm playing the Cowboys or the Texans, I know

0:21:42.720 --> 0:21:45.840
<v Speaker 7>there's no state tex How many of your counterparts have

0:21:46.000 --> 0:21:46.760
<v Speaker 7>that same mind frame?

0:21:46.880 --> 0:21:48.359
<v Speaker 6>I think a lot due, I think a lot do

0:21:48.480 --> 0:21:52.760
<v Speaker 6>because I mean, at that point, you're talking about thousands, right,

0:21:53.960 --> 0:21:55.920
<v Speaker 6>Like you're not talking about like you're talking about the

0:21:55.960 --> 0:21:58.280
<v Speaker 6>difference in you know, depending on what you're making. You're

0:21:58.280 --> 0:22:01.159
<v Speaker 6>talking about the difference in like sixth at your grand

0:22:02.400 --> 0:22:05.639
<v Speaker 6>by playing somewhere else versus you.

0:22:05.680 --> 0:22:08.119
<v Speaker 1>Know, I mean some guys, I mean the way they

0:22:08.160 --> 0:22:08.960
<v Speaker 1>get paid some guys.

0:22:09.000 --> 0:22:12.399
<v Speaker 6>You're talking a good fifteen twenty grand difference, right, So

0:22:12.480 --> 0:22:16.800
<v Speaker 6>guys are thinking about it again, you know, not to

0:22:17.119 --> 0:22:19.480
<v Speaker 6>take up all y'all time, but there's different things that

0:22:19.920 --> 0:22:23.639
<v Speaker 6>people out there just don't understand, like the fact of

0:22:23.800 --> 0:22:27.720
<v Speaker 6>like you have to have multiple places of residency, see right,

0:22:27.840 --> 0:22:31.200
<v Speaker 6>Like sometimes like you literally just have to. And I've

0:22:31.320 --> 0:22:34.080
<v Speaker 6>never wanted to be that guy having Like I'm a

0:22:34.359 --> 0:22:38.040
<v Speaker 6>frugal person, right, I'm cheap school.

0:22:37.760 --> 0:22:40.119
<v Speaker 1>With me, right, I have no problem. I'm proud of it.

0:22:40.520 --> 0:22:44.399
<v Speaker 6>But like I literally I have a home base here

0:22:44.480 --> 0:22:46.200
<v Speaker 6>in New Jersey with my wife and I. When I

0:22:46.359 --> 0:22:50.600
<v Speaker 6>was playing in Detroit, she works in Manhattan and she's

0:22:50.640 --> 0:22:53.280
<v Speaker 6>from here. We had home base here, so now play

0:22:53.320 --> 0:22:55.719
<v Speaker 6>with the Jets. I'm like, man, okay, like we can

0:22:55.880 --> 0:22:58.960
<v Speaker 6>just have home base like and that's the crib.

0:22:59.400 --> 0:22:59.879
<v Speaker 1>Well, guess what.

0:23:00.000 --> 0:23:02.760
<v Speaker 6>But home base for me is forty five minutes away

0:23:02.760 --> 0:23:05.199
<v Speaker 6>from here in no traffic. So if I wake up

0:23:05.240 --> 0:23:07.240
<v Speaker 6>in the morning and it's raining hard. I remember my

0:23:07.280 --> 0:23:10.200
<v Speaker 6>first day trying to come in and reporting to the Jets.

0:23:10.560 --> 0:23:13.680
<v Speaker 6>It was raining hard, and my driving from forty five

0:23:13.760 --> 0:23:17.040
<v Speaker 6>minutes no traffic and this is like six thirty in

0:23:17.080 --> 0:23:20.919
<v Speaker 6>the morning right to an hour and fifteen minutes. Now

0:23:21.040 --> 0:23:22.600
<v Speaker 6>people are like, oh, well, just wake up early and

0:23:22.600 --> 0:23:24.320
<v Speaker 6>all that type of stuff. Well, guess what if you're

0:23:24.400 --> 0:23:26.560
<v Speaker 6>late to your job, you get a slap on the risk,

0:23:26.680 --> 0:23:28.680
<v Speaker 6>right you boss. You know at a certain point you

0:23:28.720 --> 0:23:30.760
<v Speaker 6>can't keep being laid. You'll get your you get fired.

0:23:31.119 --> 0:23:32.960
<v Speaker 6>But for me, if I'm late, that's a thirteen thousand

0:23:33.000 --> 0:23:36.120
<v Speaker 6>dollars fine, right, Like that's ill.

0:23:36.920 --> 0:23:37.440
<v Speaker 1>You know what I'm saying.

0:23:37.920 --> 0:23:40.119
<v Speaker 6>I can go ahead. And so last year I had

0:23:40.160 --> 0:23:42.520
<v Speaker 6>to rent a place. I have a house forty minutes

0:23:42.520 --> 0:23:45.479
<v Speaker 6>from here, and I had I mean, some people might

0:23:45.520 --> 0:23:47.520
<v Speaker 6>be like, well you didn't have to know, Like for me,

0:23:48.080 --> 0:23:50.440
<v Speaker 6>I had to rent a place seven minutes. It's not

0:23:50.520 --> 0:23:52.560
<v Speaker 6>worth the risk, right, it's not worth the risk. It's

0:23:52.600 --> 0:23:55.080
<v Speaker 6>not worth being a few minutes late. And then also

0:23:55.200 --> 0:23:57.120
<v Speaker 6>it's just the cost of doing business, Right.

0:23:57.119 --> 0:23:58.960
<v Speaker 3>You're going travel at forty five minutes.

0:23:59.240 --> 0:24:02.439
<v Speaker 6>Yeah, minutes when I'm like I told people, it's an

0:24:02.440 --> 0:24:05.200
<v Speaker 6>investment as well, right, Like forty five minutes. That's forty

0:24:05.240 --> 0:24:08.000
<v Speaker 6>five minutes I could be working on my body getting

0:24:08.040 --> 0:24:10.320
<v Speaker 6>ready for the next week's game. That's forty five minutes

0:24:10.359 --> 0:24:12.840
<v Speaker 6>that somebody is literally watching film with Just how am

0:24:12.880 --> 0:24:14.560
<v Speaker 6>I gonna whoop Brandon coping this week?

0:24:14.720 --> 0:24:14.840
<v Speaker 5>Right?

0:24:15.160 --> 0:24:16.800
<v Speaker 6>And I need that forty five minutes to make sure

0:24:16.840 --> 0:24:20.120
<v Speaker 6>I'm prepared for him as well. So there's a bunch

0:24:20.160 --> 0:24:24.960
<v Speaker 6>of different costs. You know, Guys talk about transporting vehicles

0:24:25.000 --> 0:24:28.240
<v Speaker 6>back and forth, right, Like I live in California, but

0:24:28.680 --> 0:24:30.800
<v Speaker 6>you know, on my home base, I'm born and raised

0:24:30.800 --> 0:24:33.000
<v Speaker 6>in California. I have everything over there. But now I'm

0:24:33.119 --> 0:24:36.040
<v Speaker 6>with the Jets, Right, how's my vehicle getting back and forth?

0:24:36.160 --> 0:24:38.200
<v Speaker 6>Or am I gonna uber it every day? Am I

0:24:38.320 --> 0:24:40.919
<v Speaker 6>gonna walk every day, bike every day. What about when

0:24:40.960 --> 0:24:44.160
<v Speaker 6>it's snowy? So do I need to pay the transport

0:24:44.320 --> 0:24:46.200
<v Speaker 6>back a car back and forth? Do I need a

0:24:46.240 --> 0:24:47.960
<v Speaker 6>renting car? Do I need to buy a car? Some

0:24:48.119 --> 0:24:50.560
<v Speaker 6>of these costs that we see guys with were like,

0:24:50.760 --> 0:24:53.200
<v Speaker 6>you know, we just assumed like, oh, this guy, he's

0:24:53.280 --> 0:24:55.440
<v Speaker 6>being extra, he's doing that, you know, but some of

0:24:55.480 --> 0:24:57.840
<v Speaker 6>this stuff is just a cost of like convenience and

0:24:57.960 --> 0:25:01.320
<v Speaker 6>doing business at a high level, right, and that you know,

0:25:01.520 --> 0:25:04.360
<v Speaker 6>again it was not a woe is us, Right, I'm

0:25:04.440 --> 0:25:07.359
<v Speaker 6>thankful to have those type of problems as opposed to others.

0:25:07.480 --> 0:25:10.200
<v Speaker 6>But you know, those are costs that you just can't

0:25:10.920 --> 0:25:12.119
<v Speaker 6>escape from, all right.

0:25:12.280 --> 0:25:14.840
<v Speaker 4>So yes, so now we're going to talk about Okay,

0:25:14.920 --> 0:25:18.040
<v Speaker 4>we gave you a lot of gyms on the athletics side,

0:25:18.119 --> 0:25:21.439
<v Speaker 4>but what we like about Brandon is that he's more

0:25:21.480 --> 0:25:23.840
<v Speaker 4>than just an athlete, like Lebron says, an athlete.

0:25:23.920 --> 0:25:24.000
<v Speaker 8>Right.

0:25:24.600 --> 0:25:26.720
<v Speaker 4>So now we're going to go into the business side

0:25:26.720 --> 0:25:30.720
<v Speaker 4>of things. And but before we do that, shout out

0:25:30.720 --> 0:25:34.320
<v Speaker 4>to Baltimore. We didn't we didn't actually, So if you

0:25:34.400 --> 0:25:36.800
<v Speaker 4>listen to our podcast, you know that A we have

0:25:36.960 --> 0:25:40.320
<v Speaker 4>deep ties to Baltimore, and some of our best interviews

0:25:40.359 --> 0:25:43.159
<v Speaker 4>have been Baltimore guests. Right, we have Valentia, we had

0:25:43.280 --> 0:25:46.480
<v Speaker 4>Derek Falcon who is a restaurant owner. So now we

0:25:46.520 --> 0:25:49.480
<v Speaker 4>got Brandon too. So shout out to the DVP.

0:25:51.040 --> 0:25:53.320
<v Speaker 1>Baltimore keeps sleeping on us if you want to.

0:25:55.359 --> 0:25:57.720
<v Speaker 3>So all right, So, so can we talk real estate?

0:25:57.760 --> 0:26:00.720
<v Speaker 4>Because real estate's real trending right now and everybody wants

0:26:00.720 --> 0:26:03.399
<v Speaker 4>to be a real estate investor. So can you can

0:26:03.440 --> 0:26:07.520
<v Speaker 4>you talk about your real estate journey, your philosophy? Yeah,

0:26:07.560 --> 0:26:09.080
<v Speaker 4>can you just enlighten us as full because there's a

0:26:09.080 --> 0:26:10.680
<v Speaker 4>lot different ways how you can make money in real estate.

0:26:10.840 --> 0:26:15.240
<v Speaker 6>Yeah, that's a beautiful thing. So for me, I invested

0:26:16.040 --> 0:26:19.160
<v Speaker 6>in the stock market. I'm still invested in the stock market.

0:26:19.240 --> 0:26:23.120
<v Speaker 6>But for me, I like to I've realized as I've evolved,

0:26:23.240 --> 0:26:27.040
<v Speaker 6>is I like to have control or more control over

0:26:27.280 --> 0:26:29.560
<v Speaker 6>what I invest in as opposed to the stock market

0:26:29.600 --> 0:26:33.480
<v Speaker 6>where the president could say whatever he wants to say

0:26:33.520 --> 0:26:36.640
<v Speaker 6>and the thing is down, you know, six hundred points

0:26:36.720 --> 0:26:38.680
<v Speaker 6>or whatever. You know, Like there are certain days where

0:26:38.680 --> 0:26:42.359
<v Speaker 6>I feel like I'm made great calls on stocks, and

0:26:43.200 --> 0:26:47.320
<v Speaker 6>just because of the macro environment, everything was down and

0:26:47.320 --> 0:26:49.440
<v Speaker 6>I'm like, I have no control over this stuff. So

0:26:50.480 --> 0:26:54.160
<v Speaker 6>for me, real estate was an opportunity to have more

0:26:54.280 --> 0:27:00.080
<v Speaker 6>ownership obviously real legitimate, legitimate ownership of an asset, and

0:27:00.240 --> 0:27:06.000
<v Speaker 6>also like more ownership of the outcome because whether if

0:27:06.040 --> 0:27:07.960
<v Speaker 6>I lose money and make money whatever, like the only

0:27:08.000 --> 0:27:10.399
<v Speaker 6>person I can look at is myself, because I'm the

0:27:10.480 --> 0:27:15.000
<v Speaker 6>one pulling the trigger on everything. So I got in

0:27:15.080 --> 0:27:19.239
<v Speaker 6>to Originally, what I wanted to do was get into rentals. Uh,

0:27:19.680 --> 0:27:21.800
<v Speaker 6>you know, people always talk about the passive income and

0:27:21.880 --> 0:27:25.000
<v Speaker 6>all that type of stuff. So I remember my wife

0:27:25.040 --> 0:27:28.880
<v Speaker 6>and now we went to Temple University. We went to Penn,

0:27:29.359 --> 0:27:31.680
<v Speaker 6>but we went to Temple to look at houses and

0:27:31.720 --> 0:27:34.280
<v Speaker 6>stuff just because the market at Pen was way, wait, wait,

0:27:34.400 --> 0:27:38.520
<v Speaker 6>out of my price range. And so we just went

0:27:38.680 --> 0:27:41.120
<v Speaker 6>around looking at college dorms and all that type of stuff.

0:27:41.119 --> 0:27:44.080
<v Speaker 6>And that was our first like, let's get to understand

0:27:44.800 --> 0:27:47.439
<v Speaker 6>what's what we should be looking for as we look

0:27:47.520 --> 0:27:48.320
<v Speaker 6>through these homes.

0:27:48.400 --> 0:27:49.680
<v Speaker 3>That's North Philly, right.

0:27:49.800 --> 0:27:56.280
<v Speaker 6>Yeah, And so literally didn't act on it or move

0:27:56.359 --> 0:28:02.480
<v Speaker 6>on it for about another year until there's a Baltimore.

0:28:02.520 --> 0:28:08.320
<v Speaker 1>Speaking of Baltimore, there's a couple Khalil and Kiera Utah.

0:28:08.880 --> 0:28:10.439
<v Speaker 1>They run this.

0:28:11.920 --> 0:28:15.119
<v Speaker 6>Business called and their Instagram is charm City Buyers, and

0:28:15.400 --> 0:28:19.640
<v Speaker 6>they've done a great job of sharing information and I've

0:28:19.680 --> 0:28:24.160
<v Speaker 6>been blessed to have I've been blessed to have great mentors,

0:28:25.000 --> 0:28:26.760
<v Speaker 6>and so I reached out to them. I saw what

0:28:26.840 --> 0:28:31.600
<v Speaker 6>they were doing, and they started taking me through homes

0:28:31.680 --> 0:28:34.000
<v Speaker 6>and stuff like that. We went to an auction and

0:28:34.080 --> 0:28:36.760
<v Speaker 6>all that type of stuff, and literally I was just

0:28:36.800 --> 0:28:39.040
<v Speaker 6>a fly on the wall seeing how they broke down properties,

0:28:39.080 --> 0:28:42.440
<v Speaker 6>cap rates and all that type of stuff. And finally

0:28:43.000 --> 0:28:45.960
<v Speaker 6>we were trying to invest and going on the property together.

0:28:46.120 --> 0:28:48.440
<v Speaker 6>But when you're doing that, you kind of realize, well,

0:28:48.520 --> 0:28:52.680
<v Speaker 6>like you know, on the outcome, I'm barely seeing anything,

0:28:52.800 --> 0:28:55.560
<v Speaker 6>it's not really worth it. So we ended up investing

0:28:55.600 --> 0:28:57.960
<v Speaker 6>in different ways. I just invested into their business and

0:28:58.600 --> 0:29:01.520
<v Speaker 6>they ended up buying back a whole block of properties

0:29:01.560 --> 0:29:04.920
<v Speaker 6>in Baltimore. But by doing that, it was one I

0:29:05.000 --> 0:29:07.760
<v Speaker 6>got invested in real estate that was actually my first investment.

0:29:08.200 --> 0:29:11.800
<v Speaker 1>And then two they gave me access to what they

0:29:11.880 --> 0:29:13.080
<v Speaker 1>were doing, right.

0:29:13.280 --> 0:29:19.440
<v Speaker 6>Pictures, videos, just learning from that standpoint at a certain point,

0:29:19.560 --> 0:29:22.640
<v Speaker 6>Like for me, I'm a quick learner and a quick

0:29:23.160 --> 0:29:25.760
<v Speaker 6>like once I'm into something. One once you invest and

0:29:25.880 --> 0:29:28.480
<v Speaker 6>you care more about it. But then two, once I'm

0:29:28.520 --> 0:29:32.440
<v Speaker 6>into something I like, I jump off the cliff sometimes,

0:29:33.720 --> 0:29:37.040
<v Speaker 6>especially when I'm really passionate about stuff. So after that,

0:29:37.600 --> 0:29:40.560
<v Speaker 6>then I went being out in Detroit, I'm like, okay,

0:29:40.760 --> 0:29:45.520
<v Speaker 6>so before I buy rental units, right, because I look

0:29:45.560 --> 0:29:48.000
<v Speaker 6>at that as marriage, right, Like I'm with this house

0:29:48.120 --> 0:29:51.240
<v Speaker 6>for a long time for life. Right, you can sell it,

0:29:51.320 --> 0:29:53.360
<v Speaker 6>you can get rid of it, but for me, like

0:29:54.000 --> 0:29:56.800
<v Speaker 6>that's marriage as opposed to me, let me just date

0:29:57.120 --> 0:29:59.520
<v Speaker 6>for a little bit. So I was like, okay, well,

0:29:59.560 --> 0:30:03.840
<v Speaker 6>let me do some flips to learn about what goes

0:30:03.920 --> 0:30:07.680
<v Speaker 6>into rentals and buying and rehabbing stuff. So as an athlete,

0:30:07.760 --> 0:30:09.960
<v Speaker 6>one of my biggest fears and just as a person

0:30:10.040 --> 0:30:13.160
<v Speaker 6>in general, my biggest pet peeve growing up was people

0:30:13.240 --> 0:30:15.280
<v Speaker 6>thinking that they were smarter than me. Y're not not

0:30:15.400 --> 0:30:18.720
<v Speaker 6>smarter than me, but but thinking that. I was, Yeah, well,

0:30:18.800 --> 0:30:21.400
<v Speaker 6>thinking that talking to you like like you don't know

0:30:21.440 --> 0:30:25.320
<v Speaker 6>what's going on the type of thing you know. The

0:30:26.280 --> 0:30:29.360
<v Speaker 6>now is an athlete, that turns to having a fear

0:30:29.520 --> 0:30:32.800
<v Speaker 6>of people trying to take advantage of you, and you

0:30:32.880 --> 0:30:36.280
<v Speaker 6>know they do this to people all the time.

0:30:38.120 --> 0:30:38.560
<v Speaker 5>So for me.

0:30:38.680 --> 0:30:40.800
<v Speaker 1>It was like, I need to learn how much nails costs.

0:30:40.800 --> 0:30:42.440
<v Speaker 6>I need to learn how much drive all costs, how

0:30:42.560 --> 0:30:44.200
<v Speaker 6>much paint costs, all that type of stuff, so that

0:30:44.280 --> 0:30:47.040
<v Speaker 6>now when I do these bigger projects, you can't just

0:30:47.280 --> 0:30:49.720
<v Speaker 6>come to me with like, you know, hey, to paint

0:30:49.760 --> 0:30:51.680
<v Speaker 6>this hot is gonna cost eight thousand nothing bucks. Right,

0:30:52.480 --> 0:30:55.520
<v Speaker 6>I didn't know any better. I'm like, okay, well eight

0:30:55.560 --> 0:30:57.560
<v Speaker 6>thousand and six thousand. I don't you know, if you

0:30:57.680 --> 0:31:01.560
<v Speaker 6>have no gauge, then then you just take whatever people

0:31:01.640 --> 0:31:05.880
<v Speaker 6>give you. So I met a guy found out through

0:31:05.920 --> 0:31:08.320
<v Speaker 6>the locker room that there's a guy called a guy

0:31:08.480 --> 0:31:13.320
<v Speaker 6>named Rob Simms, him Calvin Johnson, Jason Strahorn.

0:31:13.720 --> 0:31:14.360
<v Speaker 1>They started this.

0:31:14.440 --> 0:31:17.840
<v Speaker 6>Whole group called Locker Room Consulting Group. But at the

0:31:17.960 --> 0:31:23.160
<v Speaker 6>time that was just a thought. But Rob had he

0:31:23.640 --> 0:31:24.800
<v Speaker 6>talked about great mentors.

0:31:24.880 --> 0:31:27.200
<v Speaker 1>He literally, you know, texted.

0:31:27.320 --> 0:31:29.760
<v Speaker 6>He picked me up from the facility one day and

0:31:29.880 --> 0:31:34.760
<v Speaker 6>literally drove me around Detroit and walked me through houses

0:31:34.920 --> 0:31:38.760
<v Speaker 6>that he was actually currently flipping, right, and he showed

0:31:38.800 --> 0:31:40.440
<v Speaker 6>me the levels of stuff that he was doing. He

0:31:40.520 --> 0:31:43.440
<v Speaker 6>was doing some regular single family homes. He then took

0:31:43.520 --> 0:31:47.720
<v Speaker 6>me to like a big, like fifty unit apartment building

0:31:47.800 --> 0:31:51.480
<v Speaker 6>brand new buildout type of thing, and then showed me

0:31:52.240 --> 0:31:54.520
<v Speaker 6>a two hundred unit project that he was working on

0:31:54.640 --> 0:31:56.440
<v Speaker 6>investing in Florida.

0:31:56.160 --> 0:31:58.040
<v Speaker 1>Right, Like, so you realize there's levels.

0:31:58.440 --> 0:32:02.160
<v Speaker 6>But him at the time, he also gave me access

0:32:02.800 --> 0:32:04.200
<v Speaker 6>and so he was like, hey, like this is the

0:32:04.240 --> 0:32:04.840
<v Speaker 6>house I'm doing.

0:32:06.360 --> 0:32:07.959
<v Speaker 1>You know, if you want to get into it, you can.

0:32:08.560 --> 0:32:10.960
<v Speaker 6>You know, I don't need you to write like that's

0:32:11.160 --> 0:32:14.240
<v Speaker 6>that's the best pitch in the world, right, Like, you know,

0:32:14.320 --> 0:32:16.080
<v Speaker 6>you this house, I've already bought it.

0:32:16.600 --> 0:32:18.800
<v Speaker 1>Like it's going to get renovated with it without you,

0:32:18.920 --> 0:32:19.680
<v Speaker 1>but if you want to.

0:32:21.360 --> 0:32:24.240
<v Speaker 7>That's that's the power power of having mentors, right because

0:32:24.240 --> 0:32:26.479
<v Speaker 7>he could at least expose you to that exactly, right.

0:32:26.520 --> 0:32:28.160
<v Speaker 5>And this is a guy who was a veteran and

0:32:28.400 --> 0:32:30.240
<v Speaker 5>you're a young guy in the league. He didn't have

0:32:30.320 --> 0:32:30.600
<v Speaker 5>to do that.

0:32:30.760 --> 0:32:32.160
<v Speaker 1>Yeah, and he was retired.

0:32:32.600 --> 0:32:34.840
<v Speaker 6>He was retired at the time, and he was just like, cope,

0:32:34.880 --> 0:32:37.440
<v Speaker 6>like I really value what you saw something that. Yeah,

0:32:37.600 --> 0:32:39.719
<v Speaker 6>he was like, I wish I would have started earlier.

0:32:39.880 --> 0:32:42.200
<v Speaker 6>I know he has rentals and stuff like that, Like

0:32:42.280 --> 0:32:45.680
<v Speaker 6>he rents some his rentals out to players and stuff like,

0:32:46.280 --> 0:32:51.280
<v Speaker 6>and you know, you you you find yourself a mentor

0:32:52.120 --> 0:32:56.200
<v Speaker 6>or mentors that you can just one add value to them,

0:32:57.040 --> 0:32:59.440
<v Speaker 6>you know, and value is not always in the sense

0:32:59.520 --> 0:32:59.880
<v Speaker 6>of money.

0:33:00.600 --> 0:33:00.760
<v Speaker 1>Right.

0:33:03.000 --> 0:33:07.040
<v Speaker 6>There's a there's a c NBC just did this commercial

0:33:07.560 --> 0:33:11.600
<v Speaker 6>and I'm talking on it about mentors, and they chopped

0:33:11.640 --> 0:33:13.200
<v Speaker 6>up some of it. But one of the things I

0:33:13.320 --> 0:33:15.240
<v Speaker 6>was trying to say is like you don't have to

0:33:15.360 --> 0:33:18.760
<v Speaker 6>think it's just like giving a check, right, Like, hey, like,

0:33:18.840 --> 0:33:21.800
<v Speaker 6>I'll I'll come organize your books, right, Like I'll do

0:33:22.520 --> 0:33:25.400
<v Speaker 6>whatever I need you need me to do, Like I'll

0:33:25.440 --> 0:33:27.480
<v Speaker 6>follow your paperwork, whatever you need me to do to

0:33:27.560 --> 0:33:28.280
<v Speaker 6>add value to you.

0:33:28.880 --> 0:33:30.400
<v Speaker 1>I'll do that just for access to you.

0:33:30.800 --> 0:33:32.120
<v Speaker 4>And I'm glad you said that because a lot of

0:33:32.160 --> 0:33:38.080
<v Speaker 4>times people we're selfish by nature, right, So people want help, mentorship,

0:33:38.400 --> 0:33:42.120
<v Speaker 4>they want advice. But I heard somebody say before, like

0:33:42.280 --> 0:33:44.800
<v Speaker 4>you have to see how can I help this person?

0:33:45.280 --> 0:33:47.720
<v Speaker 4>Like I mean, like if you think from that standpoint,

0:33:47.840 --> 0:33:49.640
<v Speaker 4>then they will be more likely to help you as

0:33:49.640 --> 0:33:51.800
<v Speaker 4>opposed to just saying help me. That's more of a

0:33:51.920 --> 0:33:55.000
<v Speaker 4>charity thing right right now, if we have an equal relationship,

0:33:55.040 --> 0:33:57.080
<v Speaker 4>you might not be able to help me financially, but

0:33:57.200 --> 0:33:58.840
<v Speaker 4>like you said, you can still add value.

0:34:00.560 --> 0:34:02.920
<v Speaker 6>Yeah, right, And the thing and that's the thing is

0:34:03.080 --> 0:34:09.040
<v Speaker 6>like value is sorry, value is what you make it, right.

0:34:09.239 --> 0:34:11.799
<v Speaker 6>I think that, like you said, some people just come

0:34:11.880 --> 0:34:14.959
<v Speaker 6>up and say, hey, help me, right, and it's like okay,

0:34:15.239 --> 0:34:18.000
<v Speaker 6>Like well, you have to also look at your own

0:34:18.080 --> 0:34:22.600
<v Speaker 6>relationships and like anything that you're like, all of these

0:34:22.640 --> 0:34:28.040
<v Speaker 6>are transactions and either you're winning it's equal, or you're losing.

0:34:28.400 --> 0:34:31.080
<v Speaker 6>And there's only a certain amount or a certain number

0:34:31.120 --> 0:34:33.800
<v Speaker 6>of relationships that you can really be just losing it.

0:34:34.120 --> 0:34:39.040
<v Speaker 6>And you know, and that's at a certain point, it's

0:34:39.120 --> 0:34:41.239
<v Speaker 6>like we're all for giving back, we're all for trying

0:34:41.280 --> 0:34:45.279
<v Speaker 6>to help. But like, for example, with this class, I've

0:34:45.360 --> 0:34:49.680
<v Speaker 6>had this class and we've we've gained a lot of

0:34:49.840 --> 0:34:53.320
<v Speaker 6>media attention because of it, and that's been great. And

0:34:53.560 --> 0:34:57.279
<v Speaker 6>I used to pride myself on literally answering everything, every

0:34:57.400 --> 0:35:00.520
<v Speaker 6>DM email, text message, all that type of stuff, even

0:35:00.560 --> 0:35:02.799
<v Speaker 6>with every times where you know, I'd make a play

0:35:02.840 --> 0:35:05.320
<v Speaker 6>and it would be crazy amount of stuff in my

0:35:05.400 --> 0:35:07.560
<v Speaker 6>phone and I even if it was a week later,

0:35:07.600 --> 0:35:10.759
<v Speaker 6>I would do it. Now, like my brother he helps

0:35:10.920 --> 0:35:13.680
<v Speaker 6>he's my business manager, business partner. He helps me with stuff,

0:35:13.760 --> 0:35:16.400
<v Speaker 6>and he realizes because the first couple of weeks he

0:35:16.520 --> 0:35:18.040
<v Speaker 6>was like, now we can get through it. And then

0:35:18.080 --> 0:35:22.200
<v Speaker 6>after a few weeks he's like, yeah, nah, man, we

0:35:22.280 --> 0:35:24.320
<v Speaker 6>might have to get a template, right, And like I

0:35:24.400 --> 0:35:26.160
<v Speaker 6>told him, like, you know, you got to realize there's

0:35:26.200 --> 0:35:28.040
<v Speaker 6>certain things like I still have stuff I want to

0:35:28.120 --> 0:35:30.879
<v Speaker 6>do and create, and and I would literally spend all

0:35:30.960 --> 0:35:34.359
<v Speaker 6>day just answering emails or d ms, right, and then

0:35:35.120 --> 0:35:38.000
<v Speaker 6>tell us about it, Like it's like you got you

0:35:38.480 --> 0:35:41.640
<v Speaker 6>have to pick and choose your battles, right, and so

0:35:41.800 --> 0:35:44.080
<v Speaker 6>as much as you want to give, and you know,

0:35:44.280 --> 0:35:47.000
<v Speaker 6>people will throw your name through the mud if you

0:35:47.040 --> 0:35:49.719
<v Speaker 6>don't answer their particular message or whatever. Right, it's like

0:35:50.360 --> 0:35:52.600
<v Speaker 6>I plan on trying to answer it, but I'm gonna

0:35:52.600 --> 0:35:55.719
<v Speaker 6>answer it in in what I create, I think so.

0:35:56.600 --> 0:35:58.719
<v Speaker 6>But yeah, so finding them mentors and stuff like that.

0:35:58.840 --> 0:36:02.440
<v Speaker 6>I ended up giving him money to invest in his

0:36:02.600 --> 0:36:05.040
<v Speaker 6>house and then even a boy being in that I

0:36:05.200 --> 0:36:09.000
<v Speaker 6>was able to see what I liked about, how they

0:36:09.040 --> 0:36:11.560
<v Speaker 6>were doing things, what I didn't like, what I wanted

0:36:11.600 --> 0:36:13.960
<v Speaker 6>to do better, what I wanted to do less of,

0:36:14.160 --> 0:36:19.799
<v Speaker 6>more of alarm systems, cameras, whatever, right, Because again there's levels.

0:36:19.680 --> 0:36:22.800
<v Speaker 1>Right, and so I could realize that Rob was on this.

0:36:23.200 --> 0:36:26.000
<v Speaker 6>He's on a bigger level than me, right, because if

0:36:26.000 --> 0:36:27.960
<v Speaker 6>he loses his money again.

0:36:27.800 --> 0:36:28.520
<v Speaker 3>You know he he.

0:36:30.520 --> 0:36:31.600
<v Speaker 1>Might be able to withstand that.

0:36:34.160 --> 0:36:36.359
<v Speaker 7>This episode is brought to you by P and C Bank.

0:36:36.760 --> 0:36:39.520
<v Speaker 7>A lot of people think podcasts about work are boring,

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0:38:24.800 --> 0:38:27.520
<v Speaker 9>Coach, the energy out there felt different. What changed for

0:38:27.600 --> 0:38:28.160
<v Speaker 9>the team today?

0:38:28.280 --> 0:38:30.440
<v Speaker 10>It was the new game day, scratches from the California

0:38:30.480 --> 0:38:33.879
<v Speaker 10>Lottery players, everything. Those games sent the team's energy through

0:38:33.880 --> 0:38:34.200
<v Speaker 10>the roof.

0:38:34.320 --> 0:38:36.239
<v Speaker 9>Are you saying it was the off field play that

0:38:36.320 --> 0:38:37.440
<v Speaker 9>made the difference on the field.

0:38:37.560 --> 0:38:40.279
<v Speaker 10>Hey, little play makes your day, and today it made

0:38:40.320 --> 0:38:43.400
<v Speaker 10>the game. That's all for now, Coach, One more question.

0:38:43.400 --> 0:38:46.200
<v Speaker 9>Play than new Los Angeles Chargers, San Francisco forty nine

0:38:46.280 --> 0:38:49.320
<v Speaker 9>ers and Los Angeles Rams scratchers from the California Lottery.

0:38:49.480 --> 0:38:52.600
<v Speaker 9>A little play can make your day, peace may Responsiblit

0:38:52.680 --> 0:38:54.200
<v Speaker 9>must be eighteen years or older to purchase plate or

0:38:54.239 --> 0:38:55.799
<v Speaker 9>claim it's.

0:38:55.680 --> 0:38:58.440
<v Speaker 6>Gonna hurt little b Right, So I need to know,

0:38:58.840 --> 0:39:00.719
<v Speaker 6>like I need to what's going on right now? You

0:39:00.800 --> 0:39:03.480
<v Speaker 6>know what's going on at three thirty pm. So so

0:39:03.640 --> 0:39:05.759
<v Speaker 6>from that again, I'm invested with them. And then I

0:39:05.840 --> 0:39:07.719
<v Speaker 6>went and jumped off and started doing my own. And

0:39:07.800 --> 0:39:09.600
<v Speaker 6>the reason why I started doing them in Detroit was

0:39:09.640 --> 0:39:13.920
<v Speaker 6>one the market was amazing. You could buy three, four bedroom,

0:39:14.120 --> 0:39:16.200
<v Speaker 6>three bathroom house for thirty five thousand dollars.

0:39:16.200 --> 0:39:18.160
<v Speaker 4>That's why I wanted to ask you, so Detroit, how

0:39:18.280 --> 0:39:20.319
<v Speaker 4>is the market Detroit right now? Because I've heard mixed things.

0:39:20.560 --> 0:39:23.160
<v Speaker 4>Some people think that it's like the best thing ever,

0:39:23.200 --> 0:39:25.799
<v Speaker 4>but some people saying it's already starting to get more

0:39:25.880 --> 0:39:29.520
<v Speaker 4>saturated and it's not as you know, good as people

0:39:29.560 --> 0:39:32.200
<v Speaker 4>are making it out to me. Yeah, you have mixed

0:39:32.200 --> 0:39:33.839
<v Speaker 4>a few opinions on it. What's the marketing?

0:39:33.960 --> 0:39:37.680
<v Speaker 6>Yeah, I think it's clearly is getting more saturated than

0:39:37.719 --> 0:39:39.879
<v Speaker 6>it was two years ago, three years ago.

0:39:39.960 --> 0:39:41.399
<v Speaker 1>But that's everything, right.

0:39:43.280 --> 0:39:47.120
<v Speaker 6>I I if you talk to anybody in Atlanta, they'll

0:39:47.120 --> 0:39:49.680
<v Speaker 6>tell you, like, prices here are getting more and more expensive.

0:39:49.719 --> 0:39:51.560
<v Speaker 6>It's getting more and more saturated. Then you're like, okay,

0:39:51.600 --> 0:39:54.200
<v Speaker 6>well what's the rent. It's like eleven hundred dollars for

0:39:54.800 --> 0:39:59.239
<v Speaker 6>three bedroom, you know, all right, comparison to New York. Well, shoot,

0:39:59.280 --> 0:39:59.880
<v Speaker 6>I'll take that off.

0:40:00.160 --> 0:40:01.320
<v Speaker 5>That's a studio exactly.

0:40:01.760 --> 0:40:05.640
<v Speaker 6>So, so I think I keep it in that perspective,

0:40:05.680 --> 0:40:08.480
<v Speaker 6>in that context. For me, Detroit was an opportunity and

0:40:08.600 --> 0:40:12.040
<v Speaker 6>still is an opportunity to learn on a smaller scale

0:40:13.040 --> 0:40:17.440
<v Speaker 6>and not risk even when I say small scales, not

0:40:17.600 --> 0:40:20.399
<v Speaker 6>risk as much money as some of these bigger market,

0:40:20.440 --> 0:40:23.680
<v Speaker 6>bigger markets, these bigger shows. Right Like I would turn

0:40:23.760 --> 0:40:25.920
<v Speaker 6>on one of the best houses we did in Detroit.

0:40:26.040 --> 0:40:30.760
<v Speaker 6>We bought this house for at auction for thirty six thousand.

0:40:32.000 --> 0:40:32.919
<v Speaker 1>Santa Rosa Drive.

0:40:33.440 --> 0:40:38.040
<v Speaker 6>That was that's her nickname, four bedroom, two and a

0:40:38.080 --> 0:40:41.680
<v Speaker 6>half bathroom house. We walked into it and this was,

0:40:41.960 --> 0:40:43.719
<v Speaker 6>I mean, this was a lay up home run type

0:40:43.760 --> 0:40:47.400
<v Speaker 6>of thing. Walked into it and it was unfortunately, you know,

0:40:47.760 --> 0:40:50.440
<v Speaker 6>it was an older woman who passed away. Her family

0:40:50.560 --> 0:40:53.560
<v Speaker 6>just didn't know to take care of it, didn't know

0:40:53.760 --> 0:40:56.120
<v Speaker 6>to pay the bills or whatever, so it just literally

0:40:56.239 --> 0:40:59.000
<v Speaker 6>was sitting there. We took it at auction and uh,

0:41:00.320 --> 0:41:03.399
<v Speaker 6>well kept house, all that type of stuff we put

0:41:03.480 --> 0:41:07.840
<v Speaker 6>in I want to say, twelve thousand dollars just to

0:41:08.040 --> 0:41:12.720
<v Speaker 6>do the kitchen, redo carpet, and to add a shower

0:41:12.920 --> 0:41:15.280
<v Speaker 6>instead of the elderly tug on the first floor bathroom.

0:41:15.800 --> 0:41:19.120
<v Speaker 6>We turned around. We sold it off market for one

0:41:19.200 --> 0:41:20.799
<v Speaker 6>hundred and twenty seven thousand.

0:41:20.719 --> 0:41:22.840
<v Speaker 3>Right, So how long was that turn around?

0:41:23.239 --> 0:41:26.800
<v Speaker 6>It literally the longest part it was a two week rehab.

0:41:27.520 --> 0:41:31.160
<v Speaker 6>The longest part was waiting for the eviction to go

0:41:31.280 --> 0:41:33.520
<v Speaker 6>through because still technically, even though no one was living

0:41:33.560 --> 0:41:36.360
<v Speaker 6>in it, we still legally went through the eviction process

0:41:36.719 --> 0:41:39.839
<v Speaker 6>with the court. No one showed up, waited thirty days

0:41:39.880 --> 0:41:41.879
<v Speaker 6>to enter, just to you know, protect our backs.

0:41:41.880 --> 0:41:42.879
<v Speaker 1>But that was the longest part.

0:41:43.160 --> 0:41:48.279
<v Speaker 6>After that, we got in two weeks and then flipped it.

0:41:48.480 --> 0:41:50.960
<v Speaker 6>So literally made one hundred and fifteen percent on my

0:41:51.080 --> 0:41:55.200
<v Speaker 6>money on that. But again, I turned on HGTV and

0:41:55.239 --> 0:41:58.320
<v Speaker 6>I see these couples and they doing amazing stuff, like

0:41:58.360 --> 0:42:00.759
<v Speaker 6>they're doing great flips and stuff like that, and you

0:42:00.920 --> 0:42:03.160
<v Speaker 6>like you just put out seven hundred thousand to bring

0:42:03.239 --> 0:42:04.040
<v Speaker 6>back fifty thousand.

0:42:04.120 --> 0:42:07.440
<v Speaker 5>Yeah, I'm always looking like, yeah, it's gonna coste not

0:42:07.520 --> 0:42:09.600
<v Speaker 5>a renovent. I'm like, that's eight hundred.

0:42:09.400 --> 0:42:12.839
<v Speaker 4>Thousand, but that's sorry. You paid thirty five thousand one auction.

0:42:13.760 --> 0:42:16.160
<v Speaker 4>You paid probably cash, right, But you could have got

0:42:16.239 --> 0:42:19.560
<v Speaker 4>that house without paying up to thirty five thousand, right, probably.

0:42:19.440 --> 0:42:22.160
<v Speaker 1>Well, since it was auction, I probably not.

0:42:22.440 --> 0:42:25.319
<v Speaker 6>Probably I would probably had the I would hard money

0:42:25.400 --> 0:42:27.359
<v Speaker 6>lends hard money or something like that, so I would

0:42:28.280 --> 0:42:31.239
<v Speaker 6>people I paid, they would have got their money, but

0:42:31.480 --> 0:42:33.920
<v Speaker 6>I probably could have came out of pocket less by

0:42:34.040 --> 0:42:35.520
<v Speaker 6>doing finding another lender.

0:42:35.560 --> 0:42:38.800
<v Speaker 4>Yea, Because he was trying to say for the average

0:42:38.840 --> 0:42:41.319
<v Speaker 4>person who might not have thirty five thousand, but they

0:42:41.400 --> 0:42:43.520
<v Speaker 4>still are interested in investing and they still want to

0:42:43.560 --> 0:42:46.359
<v Speaker 4>make money, right, yep, what's your advice for them?

0:42:46.680 --> 0:42:49.480
<v Speaker 3>They may not have you know, the same opportunities or

0:42:49.760 --> 0:42:51.319
<v Speaker 3>you know the same bank.

0:42:51.360 --> 0:42:51.839
<v Speaker 1>I'm the bank.

0:42:51.920 --> 0:42:54.600
<v Speaker 6>I'm fortunate to be able to be the bank in

0:42:54.800 --> 0:42:57.520
<v Speaker 6>my situations. And even still people tell me, like, you

0:42:57.600 --> 0:43:03.560
<v Speaker 6>want to start using other people's money, But for anyone

0:43:03.600 --> 0:43:06.040
<v Speaker 6>out there trying to get in one, I'd say make

0:43:06.120 --> 0:43:08.240
<v Speaker 6>sure you're ready and before.

0:43:08.360 --> 0:43:11.040
<v Speaker 1>What I mean by that is is what I found

0:43:11.120 --> 0:43:11.600
<v Speaker 1>in real.

0:43:11.560 --> 0:43:16.319
<v Speaker 6>Estate is there's a checklist of things that you need

0:43:16.400 --> 0:43:18.600
<v Speaker 6>to have and be ready for it, because especially if

0:43:18.640 --> 0:43:21.640
<v Speaker 6>you're taking on someone else's money, and then that means

0:43:21.680 --> 0:43:23.879
<v Speaker 6>you're you're holding on to that interest rate. You want

0:43:23.920 --> 0:43:26.920
<v Speaker 6>to you want to limit your you're holding time. Right,

0:43:29.760 --> 0:43:32.000
<v Speaker 6>What do I mean by being ready? What does your

0:43:32.040 --> 0:43:33.120
<v Speaker 6>contracting team look like?

0:43:33.560 --> 0:43:33.680
<v Speaker 8>Right?

0:43:35.520 --> 0:43:40.360
<v Speaker 6>Your contracting team can make or break your entire process.

0:43:41.000 --> 0:43:43.839
<v Speaker 6>What I found, I guess this is a better way

0:43:43.880 --> 0:43:48.160
<v Speaker 6>to said. Is What I found is people generally can't

0:43:48.200 --> 0:43:50.400
<v Speaker 6>do what they tell you they can do right. So

0:43:50.520 --> 0:43:54.920
<v Speaker 6>it's really vetting their vetting your contracting team, creating that

0:43:55.080 --> 0:43:58.480
<v Speaker 6>budget and doing your best to stick to it even

0:43:58.520 --> 0:44:00.759
<v Speaker 6>though you know you're never go and stick to it

0:44:01.040 --> 0:44:03.359
<v Speaker 6>like that sounds weird, but like you know it's going

0:44:03.400 --> 0:44:07.399
<v Speaker 6>to go over So for me, my process is well,

0:44:07.600 --> 0:44:10.560
<v Speaker 6>sorry to answer your question, there are hard money lenders

0:44:10.560 --> 0:44:12.680
<v Speaker 6>out there. There's people who will lend you money. You

0:44:12.800 --> 0:44:16.360
<v Speaker 6>can collateralize it with the car, house, whatever, depending on

0:44:16.719 --> 0:44:21.880
<v Speaker 6>the amount of alone. However, before you do that, you

0:44:22.200 --> 0:44:24.640
<v Speaker 6>need to make sure that you're ready and to make

0:44:24.719 --> 0:44:27.040
<v Speaker 6>you feel good about it. One of my mentors, he

0:44:28.800 --> 0:44:33.880
<v Speaker 6>that's outside of rob and charm City Buyers. One of

0:44:33.960 --> 0:44:35.759
<v Speaker 6>the things that he told me that really helped me

0:44:35.880 --> 0:44:38.000
<v Speaker 6>jump into my first home was he sat down with

0:44:38.080 --> 0:44:40.720
<v Speaker 6>me at dinner and he was just like, you know, cope,

0:44:40.760 --> 0:44:44.520
<v Speaker 6>this this isn't rocket science. He was like, a lot

0:44:44.520 --> 0:44:48.760
<v Speaker 6>of people make what they make, what they do seem

0:44:48.880 --> 0:44:49.840
<v Speaker 6>like it's rocket science.

0:44:49.880 --> 0:44:50.439
<v Speaker 3>But this isn't.

0:44:50.520 --> 0:44:53.800
<v Speaker 6>Like you buy a house, you've renovated, put money into it,

0:44:53.880 --> 0:44:54.480
<v Speaker 6>the renovated, you.

0:44:54.560 --> 0:44:56.880
<v Speaker 1>Sell it for more. Right, it ain't that.

0:44:57.200 --> 0:44:59.880
<v Speaker 6>Now there's certain things in there that make it feel stressful,

0:45:00.040 --> 0:45:02.640
<v Speaker 6>all stuff permits and all of this different stuff. Oh,

0:45:02.800 --> 0:45:07.040
<v Speaker 6>pipe burst for all you know, but it ain't rocket signed.

0:45:07.120 --> 0:45:10.279
<v Speaker 6>So for anybody listening, just keep that in mind. Right,

0:45:10.400 --> 0:45:13.359
<v Speaker 6>Like you buy a house, you renovate it, you put

0:45:13.440 --> 0:45:15.400
<v Speaker 6>money in, you pay people to renovate it, and you

0:45:15.480 --> 0:45:16.160
<v Speaker 6>sell it for hire.

0:45:16.400 --> 0:45:19.080
<v Speaker 1>Right, and before you do that, you do all your work.

0:45:19.239 --> 0:45:21.480
<v Speaker 6>You research My process. We can get into that if

0:45:21.520 --> 0:45:23.720
<v Speaker 6>we want. My process is to look at the comps

0:45:24.440 --> 0:45:26.399
<v Speaker 6>before I ever walk into a house. Just to look

0:45:26.400 --> 0:45:28.600
<v Speaker 6>at the comps is to make sure that, like you

0:45:28.760 --> 0:45:31.080
<v Speaker 6>send me my realtor, I find I have a realtors,

0:45:31.160 --> 0:45:33.360
<v Speaker 6>I have multiple realtors. I tell them what I'm looking for,

0:45:33.560 --> 0:45:36.000
<v Speaker 6>tell them what my investment criteria is, and I tell

0:45:36.040 --> 0:45:37.640
<v Speaker 6>them what I need to make off of it. I

0:45:38.160 --> 0:45:40.200
<v Speaker 6>only look at houses that I feel like I can

0:45:40.280 --> 0:45:43.160
<v Speaker 6>at least make thirty K off of, right, And you know,

0:45:43.280 --> 0:45:45.160
<v Speaker 6>some of the real says, oh man, that's I don't know,

0:45:45.320 --> 0:45:47.319
<v Speaker 6>Like in Baltimore is getting the margins are getting thinner,

0:45:47.400 --> 0:45:48.800
<v Speaker 6>you know, cool, but it don't.

0:45:48.640 --> 0:45:52.160
<v Speaker 1>Send it me the house take thirty And why do

0:45:52.280 --> 0:45:52.680
<v Speaker 1>I do that?

0:45:53.080 --> 0:45:55.279
<v Speaker 6>There's houses that I won't make thirty K off of

0:45:55.400 --> 0:45:57.960
<v Speaker 6>even if I think that, But that gives me enough

0:45:58.040 --> 0:46:02.360
<v Speaker 6>cushion where Okay, this house messed up or this. You know,

0:46:02.480 --> 0:46:05.120
<v Speaker 6>I have a change order in my contracting work, so

0:46:05.640 --> 0:46:08.239
<v Speaker 6>I need to add this or whatever. And now that

0:46:08.360 --> 0:46:10.480
<v Speaker 6>thirty K is crunched the twenty five, and it's crunched

0:46:10.520 --> 0:46:13.000
<v Speaker 6>the twenty and so it gives me more than enough

0:46:13.040 --> 0:46:15.320
<v Speaker 6>cushion as opposed to where some people are trying to

0:46:15.360 --> 0:46:17.719
<v Speaker 6>get fifteen K. And then as soon as some bad

0:46:17.800 --> 0:46:20.719
<v Speaker 6>things pop up, now they in the red. You know

0:46:20.800 --> 0:46:21.239
<v Speaker 6>what I'm saying.

0:46:22.160 --> 0:46:25.799
<v Speaker 1>So I do that. Then we'll go through a house

0:46:26.080 --> 0:46:26.960
<v Speaker 1>I go through a house.

0:46:26.840 --> 0:46:30.640
<v Speaker 6>With the contractor and the and I get an estimate

0:46:30.760 --> 0:46:32.840
<v Speaker 6>there right and I know that the contract is going

0:46:32.920 --> 0:46:34.839
<v Speaker 6>to be off. You know, I know that they're going

0:46:34.920 --> 0:46:37.080
<v Speaker 6>to add some more later on on the back end.

0:46:37.480 --> 0:46:37.600
<v Speaker 5>You know.

0:46:37.680 --> 0:46:40.560
<v Speaker 6>I've been fortunate to have some great contractors, especially in Maryland,

0:46:41.400 --> 0:46:42.759
<v Speaker 6>and Detroit has been hit or miss.

0:46:43.000 --> 0:46:47.279
<v Speaker 1>I've had some good ones. I've had some marble ones, right, but.

0:46:49.040 --> 0:46:53.960
<v Speaker 6>Finding just getting a ballparking range, because right then and there,

0:46:54.480 --> 0:46:56.160
<v Speaker 6>I might be able to be like, Okay, this is

0:46:56.239 --> 0:47:00.120
<v Speaker 6>not this doesn't add up right after that, and then

0:47:00.200 --> 0:47:02.200
<v Speaker 6>you know, you put in your offer, you probably miss

0:47:02.280 --> 0:47:05.480
<v Speaker 6>on half the houses you offer on. Probably really seventy

0:47:05.520 --> 0:47:07.600
<v Speaker 6>five percent of the houses I've put offers in on

0:47:07.840 --> 0:47:12.080
<v Speaker 6>I haven't gotten. But you just play that game. But again,

0:47:12.160 --> 0:47:18.360
<v Speaker 6>for me, it's about I feel like real estate. And

0:47:18.440 --> 0:47:20.840
<v Speaker 6>I know I'm obviously in a blessed position to be

0:47:20.880 --> 0:47:23.680
<v Speaker 6>able to say this, but I tell this to my family.

0:47:23.800 --> 0:47:25.560
<v Speaker 6>I tell this to everyone because I'm getting my family

0:47:25.880 --> 0:47:28.520
<v Speaker 6>they invest with me. I feel like real estate is

0:47:28.560 --> 0:47:32.080
<v Speaker 6>a great thing to be in as a secondary social income.

0:47:32.680 --> 0:47:36.360
<v Speaker 6>Right Like for me, I look at it as like, okay,

0:47:36.560 --> 0:47:40.360
<v Speaker 6>like it's a great place to be in when you

0:47:40.440 --> 0:47:44.239
<v Speaker 6>know there is a week delay. Or for example, I

0:47:44.320 --> 0:47:46.279
<v Speaker 6>was supposed to close on a house. It's sell a

0:47:46.360 --> 0:47:48.359
<v Speaker 6>house that we've had on the market for some time.

0:47:48.400 --> 0:47:51.480
<v Speaker 6>I was supposed to sell it on May tenth, this

0:47:51.640 --> 0:47:57.120
<v Speaker 6>past Friday, and it's gotten pushed. So they did the

0:47:57.120 --> 0:47:59.719
<v Speaker 6>appraisal late, and all that stuff is getting pushed. We

0:47:59.840 --> 0:48:01.520
<v Speaker 6>just sign have done them to push it to close

0:48:01.560 --> 0:48:02.279
<v Speaker 6>before May thirty.

0:48:02.320 --> 0:48:02.520
<v Speaker 5>First.

0:48:02.719 --> 0:48:05.520
<v Speaker 6>If I needed that money right now, I'll be pissed, right,

0:48:05.800 --> 0:48:08.120
<v Speaker 6>I still keep it. Everybody else around me thinks that

0:48:08.160 --> 0:48:10.279
<v Speaker 6>I'm pissed, Like, come on, we got tighten this up right, right,

0:48:10.400 --> 0:48:12.880
<v Speaker 6>But I'm like, okay, cool, and I'm going to the

0:48:12.960 --> 0:48:15.000
<v Speaker 6>other thing. I don't need that right now, you know

0:48:15.040 --> 0:48:17.000
<v Speaker 6>what I'm saying. So to keep it as a secondary

0:48:17.080 --> 0:48:20.200
<v Speaker 6>source of income allows you to operate in a less

0:48:20.640 --> 0:48:24.879
<v Speaker 6>stressful situation. And it also allows you to not take

0:48:25.080 --> 0:48:29.080
<v Speaker 6>risks and take chances and force investments if you don't

0:48:29.120 --> 0:48:30.640
<v Speaker 6>have to. Because there's a lot of people out here

0:48:30.680 --> 0:48:32.560
<v Speaker 6>that's where they get themselves in the best situation, Like

0:48:32.600 --> 0:48:34.000
<v Speaker 6>I need this house to work and I need to

0:48:34.000 --> 0:48:35.040
<v Speaker 6>flip it now, right.

0:48:35.840 --> 0:48:38.800
<v Speaker 7>So what makes you unique is that you're reading blueprints

0:48:38.880 --> 0:48:41.839
<v Speaker 7>and you're reading playbooks too, right, And you spoke about

0:48:41.880 --> 0:48:43.640
<v Speaker 7>your family and building your team.

0:48:45.120 --> 0:48:47.279
<v Speaker 5>But your family's involved, right. Your mom is part of

0:48:47.440 --> 0:48:48.400
<v Speaker 5>as an investor with you.

0:48:48.520 --> 0:48:52.040
<v Speaker 7>Your wife is reading the charter, and your brother is

0:48:52.160 --> 0:48:55.000
<v Speaker 7>I believe the project project management. So were they into

0:48:55.040 --> 0:48:57.040
<v Speaker 7>real estate or did you bring them on and educate

0:48:57.080 --> 0:48:58.040
<v Speaker 7>you guys learned altogether.

0:48:58.160 --> 0:48:59.920
<v Speaker 6>Yeah, brought them on. Brought them on. So I think

0:49:00.520 --> 0:49:05.359
<v Speaker 6>for me, one of my biggest goals is to figure out,

0:49:05.600 --> 0:49:10.200
<v Speaker 6>not figure out, but encourage other people to create wealth

0:49:10.320 --> 0:49:14.400
<v Speaker 6>for themselves. Right, My family is doing well for themselves.

0:49:14.440 --> 0:49:16.560
<v Speaker 6>They all have their own hustles. But hey, like I

0:49:16.680 --> 0:49:18.399
<v Speaker 6>look at real estate as a way of like, hey

0:49:19.120 --> 0:49:21.799
<v Speaker 6>I can Like I tell my friend all the time

0:49:21.840 --> 0:49:23.759
<v Speaker 6>he has student loans. He's talking about him, like you

0:49:24.520 --> 0:49:27.719
<v Speaker 6>flip a house, right and start putting out chunks on

0:49:27.960 --> 0:49:30.759
<v Speaker 6>your mortgage. Right, he already has a job that he's

0:49:30.800 --> 0:49:32.799
<v Speaker 6>been paying off. But like I look at it as

0:49:32.880 --> 0:49:35.439
<v Speaker 6>like one day I'll just flip a house to pay

0:49:35.560 --> 0:49:37.960
<v Speaker 6>for things that I want. Okay, my kid has this

0:49:38.080 --> 0:49:41.319
<v Speaker 6>year's tuition. Okay, well, well let's do this house right here,

0:49:41.640 --> 0:49:44.279
<v Speaker 6>or we need vacation or I'm flip a house to

0:49:44.320 --> 0:49:48.279
<v Speaker 6>pay all of our bills, right, yeah, Like I'm literally like,

0:49:48.400 --> 0:49:50.279
<v Speaker 6>that's the way I look at it, right, And that's

0:49:50.320 --> 0:49:53.000
<v Speaker 6>a that's a great thing to be able to do

0:49:53.520 --> 0:49:55.480
<v Speaker 6>and a great goal to have. But I wanted to

0:49:56.440 --> 0:50:00.640
<v Speaker 6>also empower the people around me to be able to

0:50:00.760 --> 0:50:04.080
<v Speaker 6>do it themselves, so allowing them to have access to

0:50:04.120 --> 0:50:04.640
<v Speaker 6>the investment.

0:50:04.680 --> 0:50:07.040
<v Speaker 1>Again, I'm approaching you. I'm doing this house.

0:50:07.920 --> 0:50:09.480
<v Speaker 6>You can jump in for whatever.

0:50:09.960 --> 0:50:11.680
<v Speaker 7>Yeah, you can jump in if you want the same

0:50:11.760 --> 0:50:14.239
<v Speaker 7>lesson that you exactly I'm gonna do this.

0:50:14.320 --> 0:50:17.759
<v Speaker 4>You could, but that's like, yeah, one of one of

0:50:17.840 --> 0:50:21.800
<v Speaker 4>the like my mentors, uh he uh, he had a

0:50:21.880 --> 0:50:25.640
<v Speaker 4>building in Manhattan. He's a real, big time real estate investor, right,

0:50:25.920 --> 0:50:27.960
<v Speaker 4>so he's a he's a developer and he had the

0:50:27.960 --> 0:50:31.040
<v Speaker 4>building in Manhattan and he he called me. He's like, look, no,

0:50:31.080 --> 0:50:32.160
<v Speaker 4>if you want to get in, I'll give you the

0:50:32.200 --> 0:50:35.000
<v Speaker 4>friends and family deal. He's like, you know, you know

0:50:35.080 --> 0:50:36.640
<v Speaker 4>you can be part of the owner of a building

0:50:36.640 --> 0:50:37.120
<v Speaker 4>in Manhattan.

0:50:37.200 --> 0:50:37.600
<v Speaker 3>Da da.

0:50:37.920 --> 0:50:40.439
<v Speaker 4>But he said, he said, look, he said, I'm giving

0:50:40.480 --> 0:50:42.759
<v Speaker 4>you this off. He said, I don't need to give

0:50:42.760 --> 0:50:44.759
<v Speaker 4>you this offer, he said, And I'll never call you

0:50:44.840 --> 0:50:45.439
<v Speaker 4>by it over again.

0:50:48.400 --> 0:50:50.400
<v Speaker 3>If you want any or it, it's up to you.

0:50:50.800 --> 0:50:53.000
<v Speaker 3>You know, I'm not gonna beat your door down.

0:50:53.719 --> 0:50:56.360
<v Speaker 5>No, that that's all based on facts.

0:50:58.040 --> 0:51:00.719
<v Speaker 1>This is happening with without you. And again.

0:51:02.320 --> 0:51:05.720
<v Speaker 6>It allows you allows them to have the same experience

0:51:05.760 --> 0:51:09.359
<v Speaker 6>that I had. So now they can get their feet wet.

0:51:09.560 --> 0:51:09.680
<v Speaker 3>Right.

0:51:09.760 --> 0:51:12.040
<v Speaker 6>I don't care if it's a thousand bucks. I don't

0:51:12.040 --> 0:51:13.640
<v Speaker 6>care if it's four thousand bucks. I don't care if

0:51:13.640 --> 0:51:15.840
<v Speaker 6>it's twenty thousand bucks. You know what I'm saying, Like,

0:51:16.480 --> 0:51:18.719
<v Speaker 6>whatever you want, you just break it down, break the

0:51:18.760 --> 0:51:21.040
<v Speaker 6>percentages down. You have equity in this play.

0:51:21.160 --> 0:51:23.080
<v Speaker 1>And now now you care.

0:51:23.600 --> 0:51:24.360
<v Speaker 6>Now you're interesting.

0:51:24.360 --> 0:51:26.280
<v Speaker 5>People are going to care when they're invested in something,

0:51:26.320 --> 0:51:26.799
<v Speaker 5>you know what I mean.

0:51:26.920 --> 0:51:29.440
<v Speaker 7>Like, even if it's they're making two hundred dollars more,

0:51:29.920 --> 0:51:32.799
<v Speaker 7>that's more passive than you had a month before war.

0:51:32.680 --> 0:51:36.319
<v Speaker 6>In your checking account that you get so so by

0:51:36.400 --> 0:51:38.400
<v Speaker 6>doing that, then it gets them to learn. And then

0:51:38.440 --> 0:51:43.239
<v Speaker 6>it also like I'm always thinking about the future, and

0:51:43.480 --> 0:51:46.960
<v Speaker 6>the future build right, And so I've invested with players,

0:51:47.280 --> 0:51:49.360
<v Speaker 6>and there's a bunch of players who want to invest

0:51:49.400 --> 0:51:52.879
<v Speaker 6>and do stuff together, and I've done something with them.

0:51:53.120 --> 0:51:54.840
<v Speaker 6>And there's some that I'm like, you know, I just

0:51:54.880 --> 0:51:58.799
<v Speaker 6>want to wait until I have my team, really really sure, right,

0:51:59.800 --> 0:52:03.080
<v Speaker 6>I'm I'm first to admit that, like one, I'm a perfectionist.

0:52:03.160 --> 0:52:06.400
<v Speaker 6>So if it ain't rolling in my version or my

0:52:06.560 --> 0:52:09.160
<v Speaker 6>run and perfection, then it ain't ready. But then once

0:52:09.239 --> 0:52:11.160
<v Speaker 6>I get it there, then we can rock and roll.

0:52:11.400 --> 0:52:17.480
<v Speaker 1>Right. But when you have that access, now I'll shoot

0:52:17.520 --> 0:52:19.160
<v Speaker 1>you videos of the.

0:52:19.239 --> 0:52:23.239
<v Speaker 6>Befores of what the contractor is telling me, of the

0:52:23.360 --> 0:52:25.839
<v Speaker 6>things that I've learned, the things that I've thought about.

0:52:25.880 --> 0:52:28.320
<v Speaker 6>But I want you to start looking at stuff the

0:52:28.400 --> 0:52:30.640
<v Speaker 6>way I start looking at stuff, right, because in the

0:52:30.680 --> 0:52:32.040
<v Speaker 6>long run, again we talk.

0:52:31.960 --> 0:52:34.040
<v Speaker 1>About adding value and different ways of add value.

0:52:34.120 --> 0:52:36.320
<v Speaker 6>Is you know, one, I don't need your money, but

0:52:36.480 --> 0:52:39.759
<v Speaker 6>two I want, in the long run your add value

0:52:39.840 --> 0:52:43.040
<v Speaker 6>to me. Because now we're going to start to speak

0:52:43.040 --> 0:52:46.600
<v Speaker 6>the same language. Now, if I'm in New Jersey, if

0:52:46.600 --> 0:52:49.920
<v Speaker 6>I'm in Baltimore and you move to Florida, or you know,

0:52:50.200 --> 0:52:52.960
<v Speaker 6>you get traded and go to California or whatever, now

0:52:53.080 --> 0:52:55.360
<v Speaker 6>you're looking at the house the same lens and perspective

0:52:55.400 --> 0:52:56.960
<v Speaker 6>that I always had to.

0:52:57.080 --> 0:52:59.640
<v Speaker 1>Now you can say a cod like maybe you want

0:52:59.680 --> 0:53:00.879
<v Speaker 1>to throw money in is one?

0:53:01.600 --> 0:53:01.680
<v Speaker 3>Right?

0:53:01.880 --> 0:53:05.960
<v Speaker 7>They branch off and that other factors that people become

0:53:06.040 --> 0:53:08.320
<v Speaker 7>less dependent on you because now they have their own knowledge.

0:53:08.600 --> 0:53:12.360
<v Speaker 4>Well that so knowledge is power and education is everything

0:53:12.400 --> 0:53:15.800
<v Speaker 4>in this world. So that brings us to our next segment,

0:53:15.920 --> 0:53:19.279
<v Speaker 4>something that we all have in common. Yeah, education, all right,

0:53:19.480 --> 0:53:22.560
<v Speaker 4>So for the last seven we're gonna talk education. And

0:53:23.200 --> 0:53:25.480
<v Speaker 4>if anybody's not familiar, this is how this whole thing

0:53:25.600 --> 0:53:30.080
<v Speaker 4>started with even the podcast is Troy is an educator

0:53:30.520 --> 0:53:33.920
<v Speaker 4>and I'm a financial advisor. So I'll speed up this

0:53:34.000 --> 0:53:35.840
<v Speaker 4>story because we've told it a couple of times before.

0:53:35.920 --> 0:53:39.520
<v Speaker 4>But he brought me in his classroom before and he

0:53:39.640 --> 0:53:41.560
<v Speaker 4>asked me to teach a financial literacy class. So that

0:53:42.080 --> 0:53:44.759
<v Speaker 4>financial literacy class turned into he has a program that

0:53:44.920 --> 0:53:49.120
<v Speaker 4>he runs every summer, six week program for kids, internships,

0:53:49.560 --> 0:53:52.000
<v Speaker 4>a whole bunch of stuff, college tours and everything. They

0:53:52.040 --> 0:53:54.279
<v Speaker 4>get paid at the end of the program. So that

0:53:54.440 --> 0:53:57.600
<v Speaker 4>turned into me running a financial literacy program for the

0:53:57.719 --> 0:54:00.800
<v Speaker 4>kids for the six weeks. Then that's turned into me

0:54:00.920 --> 0:54:03.600
<v Speaker 4>actually developing a curriculum, right and now were actually do

0:54:03.640 --> 0:54:06.680
<v Speaker 4>it in a couple of other schools outside of our

0:54:06.760 --> 0:54:09.120
<v Speaker 4>program that we're doing the summer, And then that turns

0:54:09.160 --> 0:54:13.440
<v Speaker 4>into I actually want to write a textbook, right, so

0:54:13.520 --> 0:54:16.160
<v Speaker 4>it could be all over and it turned into a

0:54:16.160 --> 0:54:18.759
<v Speaker 4>whole bunch of different opportunities. With my brother's keeper of

0:54:18.800 --> 0:54:21.120
<v Speaker 4>President Obama's program, we got.

0:54:21.200 --> 0:54:22.200
<v Speaker 5>Turned into this podcast.

0:54:22.640 --> 0:54:26.960
<v Speaker 4>Yeah yeah, so yeah, so it all meshed together. So

0:54:28.280 --> 0:54:31.520
<v Speaker 4>as we said earlier in the podcast, Brandon is educated

0:54:31.560 --> 0:54:37.120
<v Speaker 4>as well. So he is a professor at the University

0:54:37.200 --> 0:54:40.400
<v Speaker 4>of Pennsylvania's business school, which is Wharton, and as I

0:54:40.440 --> 0:54:42.960
<v Speaker 4>said before, that's one of the best business schools in

0:54:43.080 --> 0:54:46.879
<v Speaker 4>the country. So aside from being football player, aside from

0:54:47.000 --> 0:54:49.160
<v Speaker 4>being a real estate investor, aside from working on we

0:54:49.280 --> 0:54:51.520
<v Speaker 4>even talk about him working on Wall Street. He also

0:54:51.640 --> 0:54:55.760
<v Speaker 4>it's too much to talk about. But he's also a educator.

0:54:55.880 --> 0:54:58.440
<v Speaker 4>So financial literacy is something that we're very passionate about.

0:54:58.880 --> 0:55:00.920
<v Speaker 4>Can you talk about your class because your class is

0:55:01.000 --> 0:55:02.879
<v Speaker 4>interesting it correct me if I'm wrong, but it's called

0:55:02.960 --> 0:55:06.720
<v Speaker 4>Inequity and Empowerment in Urban Financial Literacy.

0:55:06.800 --> 0:55:07.320
<v Speaker 3>That's the name of it.

0:55:07.480 --> 0:55:11.960
<v Speaker 4>Yep, yep, So that's an interesting title, and I kind

0:55:12.000 --> 0:55:14.080
<v Speaker 4>of assume I know what that means. But can you

0:55:14.160 --> 0:55:16.560
<v Speaker 4>talk about the class? We start's start off the conversation

0:55:16.640 --> 0:55:17.800
<v Speaker 4>with the class that.

0:55:18.000 --> 0:55:18.319
<v Speaker 1>Yeah, so.

0:55:20.400 --> 0:55:24.040
<v Speaker 6>Technically it's not in wart and it's in the urban school,

0:55:24.200 --> 0:55:26.640
<v Speaker 6>Urban Studies school, just to put that out there so

0:55:26.719 --> 0:55:33.520
<v Speaker 6>they don't come down. And but it's when I thought

0:55:33.560 --> 0:55:37.759
<v Speaker 6>of the class I thought about. I was actually on

0:55:37.840 --> 0:55:41.279
<v Speaker 6>the ride through Detroit looking at real estate opportunities with

0:55:42.160 --> 0:55:44.200
<v Speaker 6>a couple of players, and one of the players mentioned

0:55:44.400 --> 0:55:46.719
<v Speaker 6>in the backseat about, hey, man, I just wish when

0:55:46.760 --> 0:55:48.400
<v Speaker 6>I was in college we had a class on that,

0:55:48.480 --> 0:55:51.680
<v Speaker 6>you know, talked about taxes and budgeting and houses and

0:55:51.760 --> 0:55:53.560
<v Speaker 6>buying your house and all that type of stuff. I'm like,

0:55:53.840 --> 0:55:56.880
<v Speaker 6>I mean, that's not just something that athletes need, that's

0:55:56.920 --> 0:55:59.560
<v Speaker 6>something that we all need, right, Like, how do you

0:55:59.840 --> 0:56:02.319
<v Speaker 6>just and you had the conversation, I was like, how

0:56:02.320 --> 0:56:05.759
<v Speaker 6>do you just pick athletes who you think are going

0:56:05.800 --> 0:56:08.439
<v Speaker 6>to the league or not? You know, like everybody should

0:56:08.480 --> 0:56:13.160
<v Speaker 6>have that. So from there my wheel started running. And again,

0:56:13.239 --> 0:56:15.560
<v Speaker 6>like as I said, I'm impulsive. When I get passionate

0:56:15.600 --> 0:56:17.640
<v Speaker 6>about something, it's like, how do you make it happen.

0:56:17.760 --> 0:56:22.120
<v Speaker 6>So it's been a few years of trying to get

0:56:22.160 --> 0:56:25.200
<v Speaker 6>the school to buy in and I was fortunate to

0:56:25.239 --> 0:56:28.879
<v Speaker 6>come across my co professor, doctor Brian Peterson, last year

0:56:28.880 --> 0:56:31.200
<v Speaker 6>at our Just College five year reunion. I told him

0:56:31.200 --> 0:56:32.960
<v Speaker 6>about the idea and then he took it and ran

0:56:33.040 --> 0:56:38.279
<v Speaker 6>with it and dealt with the the school pitch. You know,

0:56:39.520 --> 0:56:43.719
<v Speaker 6>you know me, I'm just a creative so you know,

0:56:43.800 --> 0:56:46.040
<v Speaker 6>I come to you with the idea like, yes, YadA,

0:56:46.080 --> 0:56:47.600
<v Speaker 6>I'm willing to put the work in behind it.

0:56:47.719 --> 0:56:49.040
<v Speaker 1>But I didn't know you need to.

0:56:49.080 --> 0:56:51.040
<v Speaker 6>You know, you need a syllabit, you need a course

0:56:51.080 --> 0:56:54.640
<v Speaker 6>outline and all that stuff. So anyway, for me, the

0:56:54.840 --> 0:56:57.720
<v Speaker 6>class premise is like, let's talk about all the different

0:56:57.760 --> 0:56:59.840
<v Speaker 6>things that you deal with in life that we just

0:57:00.680 --> 0:57:01.640
<v Speaker 6>let's just talk about them.

0:57:01.760 --> 0:57:03.280
<v Speaker 1>Right. For some reason, we've.

0:57:03.160 --> 0:57:06.319
<v Speaker 6>Gone through these schools and gone through all these I've

0:57:06.360 --> 0:57:10.080
<v Speaker 6>gone through sixteen years of school myself, and no one

0:57:10.120 --> 0:57:12.040
<v Speaker 6>ever taught me how to buy my first house, right,

0:57:12.320 --> 0:57:15.680
<v Speaker 6>No one ever taught me about the cost of renting

0:57:15.960 --> 0:57:17.280
<v Speaker 6>or how to invest.

0:57:17.720 --> 0:57:17.880
<v Speaker 1>Right.

0:57:18.000 --> 0:57:22.840
<v Speaker 6>We have these classes that talk about finance and statistics

0:57:22.920 --> 0:57:26.080
<v Speaker 6>and all that stuff. But yeah, but like what's the

0:57:26.240 --> 0:57:27.480
<v Speaker 6>real life application?

0:57:27.880 --> 0:57:28.040
<v Speaker 7>You know?

0:57:28.680 --> 0:57:31.160
<v Speaker 6>And I remember as an intern on Wall Street, I

0:57:31.320 --> 0:57:33.960
<v Speaker 6>was like, you know, we had these classes and I think,

0:57:34.240 --> 0:57:37.960
<v Speaker 6>you know, I had these econ classes and finance classes,

0:57:38.040 --> 0:57:40.960
<v Speaker 6>and I'm like, okay, I should be pretty well prepared

0:57:41.000 --> 0:57:44.959
<v Speaker 6>as compared to a student who hasn't had this stuff.

0:57:45.000 --> 0:57:47.320
<v Speaker 6>But then when I went into it, I'm like, yeah,

0:57:47.400 --> 0:57:50.360
<v Speaker 6>we didn't talk about any basis.

0:57:50.440 --> 0:57:52.760
<v Speaker 7>The funny thing about that is like I feel the

0:57:52.800 --> 0:57:55.560
<v Speaker 7>same way about education, Like we went to school, right,

0:57:55.800 --> 0:57:58.120
<v Speaker 7>and we learned we had to take all these tasks

0:57:58.160 --> 0:57:59.480
<v Speaker 7>and pass them to be certified.

0:58:00.000 --> 0:58:01.480
<v Speaker 5>And I went to grad school forward.

0:58:01.720 --> 0:58:04.720
<v Speaker 7>And I got put in New York City and all

0:58:04.760 --> 0:58:07.520
<v Speaker 7>the things that they talk out the window, you're gonna

0:58:07.600 --> 0:58:10.200
<v Speaker 7>learn right now right today's yeah, you know what I mean.

0:58:10.480 --> 0:58:13.160
<v Speaker 7>And one of the lessons I try to tell up

0:58:13.200 --> 0:58:15.640
<v Speaker 7>and coming teachers is like, listen, you're gonna be tested

0:58:15.680 --> 0:58:18.640
<v Speaker 7>every day. You got to really put the mindset that

0:58:18.880 --> 0:58:21.720
<v Speaker 7>today I'm gonna win this battle because I know I'm

0:58:21.760 --> 0:58:23.640
<v Speaker 7>fighting for them, you know what I mean. So like

0:58:23.720 --> 0:58:25.760
<v Speaker 7>that's crazy, like you're doing that. And finance too, it's

0:58:25.760 --> 0:58:27.640
<v Speaker 7>the same thing, like wait, I went to the school

0:58:27.680 --> 0:58:30.200
<v Speaker 7>for all this and I know nothing.

0:58:30.960 --> 0:58:35.640
<v Speaker 1>I literally have to start over, right, and so you know,

0:58:36.080 --> 0:58:36.600
<v Speaker 1>taking that.

0:58:38.160 --> 0:58:40.880
<v Speaker 6>Is like literally the premise of the class. I nicknamed

0:58:40.920 --> 0:58:43.840
<v Speaker 6>it life one on one and uh so we talk

0:58:43.880 --> 0:58:47.000
<v Speaker 6>about credit. I always felt like too, like I sat

0:58:47.040 --> 0:58:51.480
<v Speaker 6>in these classrooms and you know, as a kid who

0:58:52.160 --> 0:58:54.760
<v Speaker 6>a kid from Baltimore learning and all that type of stuff.

0:58:55.240 --> 0:58:58.440
<v Speaker 6>I've been fortunate enough my parents valued education, so I've

0:58:58.520 --> 0:59:03.760
<v Speaker 6>really valued it myself. And still, even though I feel

0:59:03.800 --> 0:59:07.320
<v Speaker 6>like I'm a bright individual, I was sit in some

0:59:07.400 --> 0:59:09.400
<v Speaker 6>of these classes and I would have to like the

0:59:09.480 --> 0:59:13.240
<v Speaker 6>teachers would just talk over my head, however long the

0:59:13.320 --> 0:59:17.320
<v Speaker 6>lecture was, and I was like, you know, people would

0:59:17.320 --> 0:59:19.440
<v Speaker 6>throw around terms good debt versus bad debt and all

0:59:19.520 --> 0:59:22.120
<v Speaker 6>that stuff, and you feel afraid to ask a question, like,

0:59:22.240 --> 0:59:24.280
<v Speaker 6>you know, I don't want to see much studio, feel

0:59:24.280 --> 0:59:26.960
<v Speaker 6>like everybody else must know, right, you know, like he's

0:59:26.960 --> 0:59:28.920
<v Speaker 6>talking like they like maybe I didn't get this in

0:59:29.400 --> 0:59:32.120
<v Speaker 6>my high school or something right, And then you know,

0:59:32.240 --> 0:59:34.360
<v Speaker 6>so I'd end up youtubing it or figuring it out

0:59:34.400 --> 0:59:36.880
<v Speaker 6>on my own or just through life and experience.

0:59:36.920 --> 0:59:37.760
<v Speaker 1>And I'm like, it.

0:59:37.840 --> 0:59:39.920
<v Speaker 6>Shouldn't be like that, right, Like you're paying all this

0:59:40.040 --> 0:59:42.480
<v Speaker 6>money to go to school. We should talk about this.

0:59:42.600 --> 0:59:45.640
<v Speaker 6>You should feel comfortable asking this question. So that's the

0:59:45.680 --> 0:59:48.400
<v Speaker 6>class we started. We cover everything from like I said,

0:59:48.480 --> 0:59:52.640
<v Speaker 6>invest in budgeting, taxes, your gross pay versus your net,

0:59:54.520 --> 0:59:56.400
<v Speaker 6>how to buy a house, our very last class we

0:59:56.440 --> 0:59:59.280
<v Speaker 6>had as called we called it Financing your Dream Company

0:59:59.360 --> 1:00:03.360
<v Speaker 6>an entrepreneur with a ship panel. We end up having

1:00:03.400 --> 1:00:07.120
<v Speaker 6>a huge My goal, as I told the students, my

1:00:07.200 --> 1:00:12.560
<v Speaker 6>goal is to make this financial information, financial literacy, all

1:00:12.640 --> 1:00:15.520
<v Speaker 6>that type of stuffs. Make this information accessible to all

1:00:15.680 --> 1:00:18.880
<v Speaker 6>for free. And so this class was really a pilot

1:00:19.120 --> 1:00:24.720
<v Speaker 6>and just a launching point to build and to figure

1:00:24.720 --> 1:00:26.560
<v Speaker 6>out what works and all of that type of stuff.

1:00:26.600 --> 1:00:28.800
<v Speaker 1>But what we did our second and last.

1:00:28.600 --> 1:00:30.400
<v Speaker 6>Class, we had a bunch of high school students from

1:00:30.440 --> 1:00:35.920
<v Speaker 6>Philly come in and then my students taught those students

1:00:36.480 --> 1:00:38.960
<v Speaker 6>these different we had five different topics, but taught them

1:00:39.000 --> 1:00:39.360
<v Speaker 6>this stuff.

1:00:39.400 --> 1:00:42.440
<v Speaker 1>And one the reason for that was me.

1:00:42.880 --> 1:00:44.760
<v Speaker 6>I it's not that I don't care about grades, but

1:00:44.920 --> 1:00:47.640
<v Speaker 6>I don't care about grades is for two. It's more

1:00:47.680 --> 1:00:50.720
<v Speaker 6>of like I feel like, if you can teach someone

1:00:51.760 --> 1:00:55.120
<v Speaker 6>how to teach or no, so not how to teach.

1:00:55.400 --> 1:00:59.000
<v Speaker 6>I wanted to teach them how to teach this information

1:00:59.120 --> 1:01:02.320
<v Speaker 6>to other people that they learned. Yeah, so like I

1:01:02.440 --> 1:01:04.760
<v Speaker 6>want you to be able to share this information with

1:01:04.960 --> 1:01:07.360
<v Speaker 6>your cousin, your family, your mother, your sister, your brother,

1:01:07.880 --> 1:01:10.680
<v Speaker 6>and spread this information a similar way that I'm doing it.

1:01:10.720 --> 1:01:14.520
<v Speaker 6>To my family, give your family access to change their

1:01:14.560 --> 1:01:18.320
<v Speaker 6>own lives, right as opposed to Sadly, what we do

1:01:18.400 --> 1:01:21.120
<v Speaker 6>in society is we get information, and now it's my information.

1:01:21.560 --> 1:01:23.400
<v Speaker 6>I'm gonna get a leg up on you where it's

1:01:23.480 --> 1:01:27.640
<v Speaker 6>like I'm you're not my competition. Right. So we had

1:01:27.920 --> 1:01:30.520
<v Speaker 6>our students teach it to high school students because of one,

1:01:30.560 --> 1:01:32.240
<v Speaker 6>I figured if you can break it down on a

1:01:32.320 --> 1:01:34.280
<v Speaker 6>high school level, then you probably have a pretty good

1:01:34.640 --> 1:01:39.800
<v Speaker 6>understanding of it. But two, it also just is giving

1:01:39.880 --> 1:01:42.720
<v Speaker 6>us that ripple effect as a classroom. And when I

1:01:42.840 --> 1:01:45.520
<v Speaker 6>tell you you've got these, one of the biggest things

1:01:45.560 --> 1:01:49.200
<v Speaker 6>that schools or people push back on is, oh, man,

1:01:49.280 --> 1:01:51.400
<v Speaker 6>you don't you know people already know this information?

1:01:51.520 --> 1:01:51.680
<v Speaker 5>You know?

1:01:52.320 --> 1:01:56.080
<v Speaker 1>And you're like, no, we don't. When did I learn it?

1:01:56.160 --> 1:01:57.040
<v Speaker 1>When did you teach it to me?

1:01:57.200 --> 1:01:58.840
<v Speaker 6>Right? Like, if nobody ever taught me I told this

1:01:59.360 --> 1:02:01.520
<v Speaker 6>to the students, Well, nobody ever told you. If I

1:02:01.560 --> 1:02:03.440
<v Speaker 6>asked you what two plus two is, you're like, man,

1:02:03.480 --> 1:02:05.880
<v Speaker 6>that's a stupid question, right, you've learned that. If I

1:02:06.000 --> 1:02:07.880
<v Speaker 6>asked you like, okay, well, how do you buy your

1:02:07.880 --> 1:02:08.720
<v Speaker 6>first house? Right?

1:02:08.800 --> 1:02:09.400
<v Speaker 1>Like, what do you need?

1:02:10.320 --> 1:02:10.440
<v Speaker 3>Uh?

1:02:11.280 --> 1:02:14.160
<v Speaker 6>Well, you probably need it? If I ask you, what's

1:02:14.160 --> 1:02:15.040
<v Speaker 6>the four to one k? Right?

1:02:15.440 --> 1:02:17.320
<v Speaker 1>Well, you know some people people might be.

1:02:17.320 --> 1:02:18.080
<v Speaker 6>Like, well you should know that.

1:02:18.520 --> 1:02:20.200
<v Speaker 3>How who taught me?

1:02:20.360 --> 1:02:22.080
<v Speaker 4>And that's what that's something that because you know, I

1:02:22.160 --> 1:02:25.400
<v Speaker 4>post videos sometimes and me teaching, and some it's always

1:02:25.440 --> 1:02:27.720
<v Speaker 4>a couple of comments like, well, financial literacy shouldn't be

1:02:27.800 --> 1:02:28.440
<v Speaker 4>taught in school.

1:02:28.600 --> 1:02:31.280
<v Speaker 3>We shouldn't rely on schools. People should be teaching at home.

1:02:31.600 --> 1:02:34.800
<v Speaker 4>True of course, but if your parents aren't prepared to

1:02:34.880 --> 1:02:37.120
<v Speaker 4>teach you, then what about those kids? And that's the

1:02:37.280 --> 1:02:40.520
<v Speaker 4>vast majority of kids, right, So it's like, okay, well, yeah,

1:02:40.600 --> 1:02:42.680
<v Speaker 4>of course everything should be taught at home. But if

1:02:42.720 --> 1:02:44.200
<v Speaker 4>that's the case, what's the point of even going to

1:02:44.240 --> 1:02:46.800
<v Speaker 4>school to teach our kids everything at.

1:02:46.920 --> 1:02:49.360
<v Speaker 7>Like working in the education system, right, this is like

1:02:49.440 --> 1:02:51.480
<v Speaker 7>my seventeenth year in education. But that was part of

1:02:51.480 --> 1:02:53.520
<v Speaker 7>the reason when I was like, shoty, I'm like, look,

1:02:54.000 --> 1:02:56.520
<v Speaker 7>I need your help, Like you're a financial advisor, I

1:02:56.600 --> 1:02:59.600
<v Speaker 7>need your help, Like I know that these kids aren't learning,

1:02:59.640 --> 1:03:02.160
<v Speaker 7>and like I was doing a disservice. So I'm like,

1:03:02.160 --> 1:03:04.600
<v Speaker 7>all right, well I have six weeks to help these kids, right,

1:03:04.960 --> 1:03:07.080
<v Speaker 7>And I was like, listen, I need your help. Come

1:03:07.160 --> 1:03:09.840
<v Speaker 7>in and just teach these kids these lessons, and it

1:03:10.000 --> 1:03:12.120
<v Speaker 7>was like when we started seeing the return on it

1:03:12.320 --> 1:03:14.280
<v Speaker 7>every year, it was like, oh, this is amazing.

1:03:14.720 --> 1:03:14.840
<v Speaker 5>Right.

1:03:14.920 --> 1:03:17.280
<v Speaker 7>So like being in the system and no one is

1:03:17.360 --> 1:03:19.200
<v Speaker 7>a disservice, like we got to give back. So like

1:03:19.280 --> 1:03:22.280
<v Speaker 7>you going back to Philly to take kids, Like that's dope, right,

1:03:22.320 --> 1:03:24.040
<v Speaker 7>and you're doing it at the college level, right, And

1:03:25.240 --> 1:03:29.400
<v Speaker 7>our program is you know, from high school kids getting

1:03:29.400 --> 1:03:31.920
<v Speaker 7>getting ready for college, but also this year we'll launching

1:03:32.040 --> 1:03:34.920
<v Speaker 7>on for elementary school kids, right because the earlier they

1:03:34.960 --> 1:03:35.959
<v Speaker 7>get the knowledge.

1:03:36.000 --> 1:03:38.000
<v Speaker 5>Now their parents can learn, and these kids are learning,

1:03:38.040 --> 1:03:39.760
<v Speaker 5>so they prepared. By the time we get to high school,

1:03:39.960 --> 1:03:41.640
<v Speaker 5>they're going to be advanced.

1:03:41.160 --> 1:03:44.480
<v Speaker 7>Right, right, So we're just trying to start earlier and earlier, right,

1:03:44.520 --> 1:03:46.240
<v Speaker 7>and we need more people doing.

1:03:46.160 --> 1:03:46.720
<v Speaker 5>That, right.

1:03:46.800 --> 1:03:49.120
<v Speaker 7>So that's what drew us, like drew me for sure,

1:03:49.200 --> 1:03:51.040
<v Speaker 7>Like five thirty in the morning, I'm reading, I'm like, oh,

1:03:51.080 --> 1:03:52.920
<v Speaker 7>I got to meet this guy because he's on the

1:03:53.000 --> 1:03:54.439
<v Speaker 7>same paths dope.

1:03:54.480 --> 1:03:58.160
<v Speaker 4>And then also that my Lexcelna question leads right into

1:03:58.160 --> 1:04:00.680
<v Speaker 4>as far as getting back right, we spoke about that

1:04:00.720 --> 1:04:03.240
<v Speaker 4>off camp a little bit. Can you talk about that

1:04:03.280 --> 1:04:05.080
<v Speaker 4>as far as like the importance of that and why

1:04:05.160 --> 1:04:07.439
<v Speaker 4>because a lot of times people don't like you said.

1:04:07.600 --> 1:04:09.120
<v Speaker 4>I think I read a book one time that we

1:04:09.320 --> 1:04:12.880
<v Speaker 4>operate from an attitude of scarcity instead of abundance, meaning

1:04:12.960 --> 1:04:15.040
<v Speaker 4>that it's like, Okay, if me and you from the

1:04:15.080 --> 1:04:18.360
<v Speaker 4>same neighborhood you make it to the league, I'm gonna

1:04:18.400 --> 1:04:20.880
<v Speaker 4>be depressed because I'm like, the percentage of somebody making

1:04:20.920 --> 1:04:22.080
<v Speaker 4>it is like one out of one hundred.

1:04:22.480 --> 1:04:25.000
<v Speaker 3>Now you made it, So now my percentage.

1:04:24.600 --> 1:04:25.439
<v Speaker 5>Is like, I'm done.

1:04:25.640 --> 1:04:26.160
<v Speaker 3>I can't make it.

1:04:26.200 --> 1:04:28.200
<v Speaker 4>Statistically, It's like it's not a saying like yo, I'm

1:04:28.200 --> 1:04:30.400
<v Speaker 4>gonna use you as an example that I can make it.

1:04:30.960 --> 1:04:32.800
<v Speaker 4>So we look at that and it carries over them

1:04:32.840 --> 1:04:35.000
<v Speaker 4>a lot of things like Okay, I got a million dollars.

1:04:35.920 --> 1:04:37.600
<v Speaker 4>I can't teach somebody else how to make a million

1:04:37.640 --> 1:04:40.840
<v Speaker 4>dollars because I've already beat the odds. So I can't

1:04:41.240 --> 1:04:43.640
<v Speaker 4>diminish my eyes by trying to spread the wealth.

1:04:43.720 --> 1:04:44.120
<v Speaker 3>You know what I mean.

1:04:44.480 --> 1:04:47.960
<v Speaker 6>It's said, So yeah, my wife and I always start

1:04:48.040 --> 1:04:49.880
<v Speaker 6>this foundation called Beyond the Basics.

1:04:49.920 --> 1:04:52.160
<v Speaker 1>Scene is right here.

1:04:52.280 --> 1:04:56.120
<v Speaker 6>We throw football camps, we take kids on shopping, screeze

1:04:56.360 --> 1:04:59.440
<v Speaker 6>for Christmas, feed single parents Thanksgiving.

1:04:59.560 --> 1:05:03.840
<v Speaker 1>I think that you know, that's just our heart and

1:05:05.360 --> 1:05:06.960
<v Speaker 1>what we feel called to do.

1:05:07.160 --> 1:05:10.120
<v Speaker 6>And that's actually like the best part of everything that

1:05:10.200 --> 1:05:12.880
<v Speaker 6>I do. I feel like when it talks when you

1:05:12.960 --> 1:05:17.200
<v Speaker 6>talk about giving back. Shared this with the students as well.

1:05:17.240 --> 1:05:19.040
<v Speaker 6>I share this with people. I think that there's a

1:05:19.120 --> 1:05:21.000
<v Speaker 6>lot of people in this world. This is the way

1:05:21.040 --> 1:05:24.920
<v Speaker 6>I think of my life and whether I'm right wrong,

1:05:25.600 --> 1:05:28.760
<v Speaker 6>and whatever I'm doing, I'm sharing it and I'm letting

1:05:28.800 --> 1:05:32.120
<v Speaker 6>you know that. Hey, like I don't have all the answers,

1:05:32.240 --> 1:05:33.880
<v Speaker 6>Like I told my students that the first day, I

1:05:33.920 --> 1:05:37.120
<v Speaker 6>don't have all the answers, right, Like, there's there's experts

1:05:37.440 --> 1:05:39.480
<v Speaker 6>for all of this information. That's the reason why you

1:05:39.560 --> 1:05:42.560
<v Speaker 6>hire an accountant. That's the reason why you're hiring an

1:05:42.600 --> 1:05:45.440
<v Speaker 6>investment an advisor, a financial advisor. That's the reason why

1:05:45.480 --> 1:05:48.520
<v Speaker 6>you hire a credit repair specialist to handle these different

1:05:48.760 --> 1:05:51.400
<v Speaker 6>tranches of your life, the reason why you hire a realtor. Like,

1:05:51.840 --> 1:05:54.400
<v Speaker 6>I don't have all this information, but I will get

1:05:54.440 --> 1:05:56.080
<v Speaker 6>the people in front of you. I have a little

1:05:56.120 --> 1:05:59.200
<v Speaker 6>bit about all this stuff, and anything I don't know,

1:05:59.320 --> 1:06:01.640
<v Speaker 6>we'll learn it on them the fly, right, Like, that's

1:06:01.720 --> 1:06:05.480
<v Speaker 6>cool with me. I'll take that humble approach to teaching

1:06:05.960 --> 1:06:08.840
<v Speaker 6>and to being a vessel. But what I always tell

1:06:08.880 --> 1:06:11.360
<v Speaker 6>people is there's people who write these Tell All books.

1:06:11.440 --> 1:06:13.560
<v Speaker 6>You know, they're fifty some years old. Right, this is

1:06:13.600 --> 1:06:16.040
<v Speaker 6>how I mask my wealth and all that type of stuff.

1:06:16.120 --> 1:06:16.240
<v Speaker 5>Right.

1:06:16.760 --> 1:06:21.120
<v Speaker 6>And there's one there's a bunch of young kids who

1:06:21.240 --> 1:06:23.120
<v Speaker 6>was reading that, well, I just read such and such book,

1:06:23.160 --> 1:06:24.400
<v Speaker 6>and you know, now I'm gonna try to do it

1:06:24.560 --> 1:06:27.000
<v Speaker 6>like this and this and this, right, which is great.

1:06:27.240 --> 1:06:29.840
<v Speaker 1>You know, you're sharing that wealth of knowledge. I always

1:06:29.960 --> 1:06:30.520
<v Speaker 1>think that.

1:06:32.040 --> 1:06:35.160
<v Speaker 6>Those the person who wrote the book, the author's peers

1:06:36.120 --> 1:06:37.919
<v Speaker 6>at that age group, we are probably looking at this dude,

1:06:38.040 --> 1:06:41.320
<v Speaker 6>like a dude or woman, like why then you just

1:06:41.360 --> 1:06:43.800
<v Speaker 6>share this stuff while you were doing it, right, Like

1:06:45.160 --> 1:06:47.680
<v Speaker 6>why don't you tell me while you were taking these risks,

1:06:48.000 --> 1:06:49.760
<v Speaker 6>so that now we can all be writing I Tell

1:06:49.800 --> 1:06:51.600
<v Speaker 6>All books. We can all be on these shots, we

1:06:51.640 --> 1:06:53.360
<v Speaker 6>can all be on this stuff, right. And that's what

1:06:53.520 --> 1:06:57.160
<v Speaker 6>I'm like, all right, like, let's just let's just share

1:06:57.200 --> 1:07:01.840
<v Speaker 6>as we go, right. And for me, it's about taking

1:07:01.880 --> 1:07:06.480
<v Speaker 6>a humble approach, or making the information humble in the

1:07:06.560 --> 1:07:10.200
<v Speaker 6>sense of like it's not overwhelming, it's not like there's

1:07:10.240 --> 1:07:14.080
<v Speaker 6>certain things that are complex, you know, more complex than others.

1:07:14.160 --> 1:07:18.360
<v Speaker 6>But all of this stuff is once you take some

1:07:18.480 --> 1:07:21.400
<v Speaker 6>time and dive into it, you're just like what this is?

1:07:21.720 --> 1:07:22.640
<v Speaker 3>You know, this can be.

1:07:22.720 --> 1:07:25.439
<v Speaker 6>Easy, And I think that sadly, a lot of people

1:07:25.600 --> 1:07:27.720
<v Speaker 6>trying to teach or a lot of people trying to

1:07:29.080 --> 1:07:31.560
<v Speaker 6>and you know, we're not even talking about specifically giving back,

1:07:32.920 --> 1:07:35.520
<v Speaker 6>but I look at the professor stuff as one of

1:07:35.600 --> 1:07:40.040
<v Speaker 6>my versions of giving back. Absolutely education and a lot

1:07:40.080 --> 1:07:45.360
<v Speaker 6>of people trying to teach or or give information they

1:07:45.440 --> 1:07:47.040
<v Speaker 6>want you to think that what they do is rockets.

1:07:47.720 --> 1:07:50.120
<v Speaker 7>You know how we can tell is giving back because

1:07:50.520 --> 1:07:52.920
<v Speaker 7>you're doing it right. Those kids are being inspired and

1:07:53.040 --> 1:07:54.120
<v Speaker 7>you'll never know the impact.

1:07:54.520 --> 1:07:54.640
<v Speaker 6>Right.

1:07:54.840 --> 1:07:56.480
<v Speaker 5>But there are a bunch of athletes who are looking

1:07:56.520 --> 1:07:59.200
<v Speaker 5>at you like wow, like I could do that.

1:07:59.360 --> 1:08:01.400
<v Speaker 7>I wish I could do that right, and their reason

1:08:01.520 --> 1:08:03.160
<v Speaker 7>out like when we posted you, like a bunch of

1:08:03.200 --> 1:08:04.400
<v Speaker 7>athletes were like, hey.

1:08:04.600 --> 1:08:06.080
<v Speaker 4>Well we have a lot of shout out to the

1:08:06.200 --> 1:08:09.040
<v Speaker 4>NFL For some reason, I don't know, but like half

1:08:09.080 --> 1:08:12.200
<v Speaker 4>of the NFL follows us right our page. So we're

1:08:12.200 --> 1:08:15.000
<v Speaker 4>getting more basketball players shout to Al Harrington, shout out

1:08:15.040 --> 1:08:16.960
<v Speaker 4>to a couple of other league guys in the League.

1:08:16.960 --> 1:08:19.080
<v Speaker 4>But I'm proud of the NFL guys because they're really

1:08:19.160 --> 1:08:20.600
<v Speaker 4>taking financial literacy.

1:08:20.320 --> 1:08:22.600
<v Speaker 5>Serious and they I don't think it's a coincidence.

1:08:24.320 --> 1:08:26.560
<v Speaker 4>And what you said was key as far as to

1:08:26.640 --> 1:08:29.160
<v Speaker 4>make the information understandable to the people. And I think

1:08:29.200 --> 1:08:31.439
<v Speaker 4>that's one of the driving forces behind our podcast, is

1:08:31.520 --> 1:08:36.560
<v Speaker 4>that our people don't really want to read Barons and

1:08:37.240 --> 1:08:38.920
<v Speaker 4>even I don't really want to read Baron. I'm fall

1:08:38.920 --> 1:08:40.280
<v Speaker 4>asleep when I'm reading there, you know what I mean.

1:08:40.280 --> 1:08:40.600
<v Speaker 3>It's like.

1:08:41.160 --> 1:08:44.080
<v Speaker 4>But the information that we deliver, they know that it's

1:08:44.120 --> 1:08:46.080
<v Speaker 4>like a conversation they can have in a barbershop, but

1:08:46.200 --> 1:08:48.920
<v Speaker 4>these conversations aren't being had at the barbershop. So now

1:08:48.960 --> 1:08:50.840
<v Speaker 4>they can tune in once a week and they can

1:08:50.920 --> 1:08:53.080
<v Speaker 4>check it out and they and the good thing about

1:08:53.280 --> 1:08:56.680
<v Speaker 4>our platform is that everybody that we are bringing in

1:08:57.160 --> 1:08:59.240
<v Speaker 4>are from different walks of life, different areas, but the

1:08:59.360 --> 1:09:01.439
<v Speaker 4>one common that it is that they all are willing

1:09:01.560 --> 1:09:04.680
<v Speaker 4>to share time and give out free game. And that's

1:09:04.680 --> 1:09:08.000
<v Speaker 4>what you just did and it's commendable. So first and foremost,

1:09:08.040 --> 1:09:11.360
<v Speaker 4>we want to thank you for coming, and can you

1:09:11.479 --> 1:09:14.320
<v Speaker 4>tell people how to contact you and the initiatives your

1:09:14.640 --> 1:09:16.160
<v Speaker 4>camp all that all that information.

1:09:16.280 --> 1:09:18.800
<v Speaker 6>Yeah man, I'll keep it keep it short. So you

1:09:18.880 --> 1:09:21.719
<v Speaker 6>can reach out to me at at B. Cooke fifty

1:09:21.800 --> 1:09:24.120
<v Speaker 6>one b C O P E five one on Instagram.

1:09:24.840 --> 1:09:28.920
<v Speaker 6>I also have a website www dot bcopeland dot com.

1:09:29.760 --> 1:09:32.840
<v Speaker 6>There's a contact section right there. It'll get directly to me.

1:09:34.040 --> 1:09:36.559
<v Speaker 6>We have a football camp coming up this summer in Baltimore.

1:09:36.880 --> 1:09:39.360
<v Speaker 6>Free Football Camp for the youth. Will probably have about

1:09:39.439 --> 1:09:42.200
<v Speaker 6>five hundred kids this year, which is crazy to see

1:09:42.200 --> 1:09:45.479
<v Speaker 6>the grow. Our camp is older than is longer than

1:09:45.520 --> 1:09:48.000
<v Speaker 6>the average NFL lifespan right now, so we're going in

1:09:48.040 --> 1:09:49.880
<v Speaker 6>the year four, which is crazy. But we do a

1:09:49.920 --> 1:09:53.559
<v Speaker 6>lot of different we Our camp is literally not about football.

1:09:53.640 --> 1:09:56.960
<v Speaker 6>We we have a thousand book bags that the kids

1:09:57.080 --> 1:09:59.680
<v Speaker 6>put together and a thousand hygien kids that the kids

1:09:59.720 --> 1:10:02.120
<v Speaker 6>put together and they distribute out to their own city.

1:10:02.479 --> 1:10:05.120
<v Speaker 6>Right so now we're encouraging them to get back early

1:10:05.240 --> 1:10:07.800
<v Speaker 6>and understanding that it's not just writing a check, it's

1:10:07.880 --> 1:10:10.360
<v Speaker 6>not about that, it's about time, it's about efforts, about

1:10:10.400 --> 1:10:14.760
<v Speaker 6>passion and uh and yeah man, we just continue to

1:10:14.760 --> 1:10:16.680
<v Speaker 6>build this empire, continue to try to get out this

1:10:16.880 --> 1:10:20.960
<v Speaker 6>financial literacy and fo along with you all and help change.

1:10:20.720 --> 1:10:24.400
<v Speaker 4>The world, collaboration is better than competition, as my man

1:10:24.479 --> 1:10:27.439
<v Speaker 4>Max the Mad, So you know, that's that's what we're doing.

1:10:27.479 --> 1:10:27.639
<v Speaker 3>Man.

1:10:27.880 --> 1:10:29.519
<v Speaker 4>That's another thing that we want to show as well,

1:10:29.560 --> 1:10:31.799
<v Speaker 4>as far as we don't have to be in competition

1:10:31.880 --> 1:10:34.120
<v Speaker 4>with each other, you can work with each It's actually

1:10:34.320 --> 1:10:35.840
<v Speaker 4>more beneficial to work with somebody.

1:10:35.880 --> 1:10:36.439
<v Speaker 5>And it's fun.

1:10:36.479 --> 1:10:38.519
<v Speaker 7>Man, it's fun because like every time we sit down

1:10:38.560 --> 1:10:40.519
<v Speaker 7>with the guests, like we're learning to we learned something

1:10:40.560 --> 1:10:43.280
<v Speaker 7>like we're learning as you speak, and when we listen back,

1:10:43.280 --> 1:10:45.439
<v Speaker 7>we're like, wow, that's a gem. I hope everybody heard

1:10:45.439 --> 1:10:47.160
<v Speaker 7>that on because that's what we used to do it

1:10:47.320 --> 1:10:49.559
<v Speaker 7>like lyrics, Like we would listen to it and I'm like, yo,

1:10:49.600 --> 1:10:50.720
<v Speaker 7>you heard what he said.

1:10:51.080 --> 1:10:52.880
<v Speaker 5>And then we realized that every yeah, we want that,

1:10:52.960 --> 1:10:54.559
<v Speaker 5>Like everybody didn't hear it the same way.

1:10:54.600 --> 1:10:56.320
<v Speaker 7>And it was like, all right, well that's what we're

1:10:56.320 --> 1:10:58.040
<v Speaker 7>going to do the finance like we're gonna wait, I

1:10:58.080 --> 1:11:00.400
<v Speaker 7>don't think they're hearing it the same so let's explain it, right,

1:11:00.479 --> 1:11:00.880
<v Speaker 7>you know what I mean?

1:11:01.080 --> 1:11:05.519
<v Speaker 6>He coded, Yeah, you're doing a great job of taking

1:11:05.600 --> 1:11:07.639
<v Speaker 6>the time to do that, right. A lot of people

1:11:07.720 --> 1:11:08.800
<v Speaker 6>they just spit it at you.

1:11:08.880 --> 1:11:09.559
<v Speaker 1>If you pick it up.

1:11:09.680 --> 1:11:10.200
<v Speaker 5>You pick it up.

1:11:10.240 --> 1:11:11.439
<v Speaker 1>If you didn't, it's on you.

1:11:11.680 --> 1:11:13.879
<v Speaker 6>And I think that you guys are doing an amazing

1:11:14.000 --> 1:11:15.840
<v Speaker 6>job of like like you said, taking the time to

1:11:15.920 --> 1:11:18.800
<v Speaker 6>decode it, taking the time to humble it, and uh,

1:11:19.280 --> 1:11:21.600
<v Speaker 6>you know, egos out the out the door, creating that

1:11:21.760 --> 1:11:27.880
<v Speaker 6>non judgmental zone. It's crucial so that we can have

1:11:28.040 --> 1:11:32.080
<v Speaker 6>these conversations because just by having a conversation, you end

1:11:32.200 --> 1:11:35.799
<v Speaker 6>up learning. You know, you might even go in the conversation.

1:11:35.880 --> 1:11:38.200
<v Speaker 6>I have conversations with people about finance now and you're

1:11:38.240 --> 1:11:40.920
<v Speaker 6>not even there was no intent in the conbo. We

1:11:41.000 --> 1:11:43.280
<v Speaker 6>weren't talking, we weren't supposed to be talking about real estate.

1:11:43.320 --> 1:11:45.960
<v Speaker 6>Were just talking about mindset, and somehow it never leads

1:11:46.120 --> 1:11:49.479
<v Speaker 6>us to one of us learning something that might save

1:11:49.560 --> 1:11:51.559
<v Speaker 6>us some money, save us some interest on the Morgans

1:11:51.960 --> 1:11:54.439
<v Speaker 6>or something like that. So that's a beautiful thing. And

1:11:55.520 --> 1:11:58.880
<v Speaker 6>to continue to create that environment, y'all are y'all are

1:11:58.960 --> 1:11:59.439
<v Speaker 6>leading away?

1:11:59.520 --> 1:12:01.120
<v Speaker 5>So I appreciate.

1:12:02.479 --> 1:12:02.839
<v Speaker 3>Patreon.

1:12:03.000 --> 1:12:06.080
<v Speaker 5>Yeah, man, so Patreon it is doing pretty well. You know,

1:12:06.520 --> 1:12:07.879
<v Speaker 5>we explain it every episode.

1:12:07.960 --> 1:12:10.600
<v Speaker 7>It's a way to financially support the podcast so that

1:12:10.720 --> 1:12:13.200
<v Speaker 7>we could come to your city or do things in

1:12:13.760 --> 1:12:14.200
<v Speaker 7>our city.

1:12:14.360 --> 1:12:16.960
<v Speaker 5>You know that can uplift people and give them more information.

1:12:18.240 --> 1:12:19.519
<v Speaker 5>You know, we have five different tiers.

1:12:19.600 --> 1:12:21.719
<v Speaker 7>You can join at any tiers starts like two dollars

1:12:21.760 --> 1:12:24.000
<v Speaker 7>if you like, for just general things, and then as

1:12:24.080 --> 1:12:26.719
<v Speaker 7>you you add more to the tears, you get more things.

1:12:27.080 --> 1:12:28.040
<v Speaker 5>So we got some new members.

1:12:28.720 --> 1:12:30.640
<v Speaker 7>Shout out to Cody, and shout out to Terry and

1:12:30.760 --> 1:12:33.720
<v Speaker 7>Savannah and t and our newest member, VICKI. Shout out

1:12:33.760 --> 1:12:36.360
<v Speaker 7>to you for joining. We look forward to having our

1:12:36.439 --> 1:12:39.240
<v Speaker 7>video conference with you in the very near future. Yeah,

1:12:39.360 --> 1:12:42.880
<v Speaker 7>but you know, keep supporting Patreon. Our merch is up

1:12:43.040 --> 1:12:45.960
<v Speaker 7>on our website or a leisure dot com. You know,

1:12:46.120 --> 1:12:47.960
<v Speaker 7>like I said, season two, we got some new new

1:12:48.040 --> 1:12:51.080
<v Speaker 7>things coming out, so be on the lookout for that reliability.

1:12:51.280 --> 1:12:51.439
<v Speaker 3>Yeah.

1:12:51.520 --> 1:12:54.200
<v Speaker 5>Yeah, civilized really share.

1:12:55.560 --> 1:12:56.880
<v Speaker 3>That's the slogan that we're running with.

1:12:57.000 --> 1:13:00.160
<v Speaker 7>I got the podcast t shirt on. It's funny like

1:13:00.200 --> 1:13:02.599
<v Speaker 7>every like we walk out and people are looking they're like, wait,

1:13:03.160 --> 1:13:04.240
<v Speaker 7>is that you good?

1:13:04.280 --> 1:13:04.479
<v Speaker 5>Sure?

1:13:05.000 --> 1:13:07.920
<v Speaker 7>And you know it's a conversation starter, like we know

1:13:08.000 --> 1:13:10.880
<v Speaker 7>that people are looking at what we're wearing all the time.

1:13:11.000 --> 1:13:11.639
<v Speaker 5>That's our culture.

1:13:11.760 --> 1:13:13.680
<v Speaker 7>Like we're gonna watch to see what you have on

1:13:13.840 --> 1:13:16.479
<v Speaker 7>first and then we'll start a conversation after that, so

1:13:16.720 --> 1:13:18.080
<v Speaker 7>we might as well give them a good message.

1:13:18.200 --> 1:13:20.479
<v Speaker 4>So before we leave, my book tip of the week is,

1:13:21.160 --> 1:13:24.160
<v Speaker 4>I'm currently so all right. Valencia is the teacher that

1:13:24.200 --> 1:13:25.920
<v Speaker 4>we had on She Let the Cat Out to Day.

1:13:25.960 --> 1:13:28.080
<v Speaker 4>I don't actually read these books. I listen to audiobooks,

1:13:28.120 --> 1:13:31.200
<v Speaker 4>say so. My audiobook that I'm listening to right now

1:13:31.600 --> 1:13:34.599
<v Speaker 4>is called The Smartest Guys in the Room. It's about

1:13:34.640 --> 1:13:37.840
<v Speaker 4>the end Run debacle scandal. So if you're into that

1:13:39.600 --> 1:13:42.479
<v Speaker 4>kind of thing, I highly recommend it this. It's interesting,

1:13:42.560 --> 1:13:45.200
<v Speaker 4>it's entertaining, and it talks about how the financial system

1:13:45.240 --> 1:13:48.519
<v Speaker 4>can go wrong and how greed can lead to very

1:13:48.560 --> 1:13:49.120
<v Speaker 4>bad things.

1:13:49.240 --> 1:13:51.519
<v Speaker 3>So that is my book tip.

1:13:51.840 --> 1:13:53.200
<v Speaker 7>Let me can I give him a quote? Because I

1:13:53.280 --> 1:13:55.560
<v Speaker 7>heard Brandon said and I was like, oh man, I

1:13:55.560 --> 1:13:57.720
<v Speaker 7>got give them this line. So I'm a quote she

1:13:57.920 --> 1:14:00.400
<v Speaker 7>lose from the lock Channel and I want full shot

1:14:00.400 --> 1:14:02.719
<v Speaker 7>out the younkers. But he said, plan for your future

1:14:02.760 --> 1:14:05.160
<v Speaker 7>because you're going to be older a lot longer than you're.

1:14:05.040 --> 1:14:05.599
<v Speaker 5>Gonna be younger.

1:14:05.840 --> 1:14:08.040
<v Speaker 3>And I was like, money power, respect, money.

1:14:07.840 --> 1:14:10.760
<v Speaker 7>Power respect, right, because that's important, right, Like how much

1:14:10.880 --> 1:14:12.280
<v Speaker 7>time do you have to be young? Like I think

1:14:12.360 --> 1:14:14.679
<v Speaker 7>you said that, like at twenty five, are you young?

1:14:15.560 --> 1:14:17.679
<v Speaker 5>Right? But you still got fifty plus years.

1:14:17.840 --> 1:14:21.920
<v Speaker 7>You know, God blessed to be a functioning person in life,

1:14:22.240 --> 1:14:23.960
<v Speaker 7>So you're gonna be older a lot longer you're.

1:14:23.880 --> 1:14:26.240
<v Speaker 5>Gonna be younger, So you got to plan accordingly.

1:14:25.840 --> 1:14:28.439
<v Speaker 3>Man plan accordingly. That's a fact. So once again, thank

1:14:28.439 --> 1:14:30.679
<v Speaker 3>you guys for rocking with us. We'll see you next week. Piece.

1:14:57.600 --> 1:15:00.360
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