1 00:00:04,960 --> 00:00:07,280 Speaker 1: Welcome to money Making Conversations. It's the show that she 2 00:00:07,320 --> 00:00:10,039 Speaker 1: has the secrets of success experience firsthand by marketing and 3 00:00:10,119 --> 00:00:13,039 Speaker 1: Brandon expert Rashan McDonald. I will know he's giving me 4 00:00:13,080 --> 00:00:16,000 Speaker 1: advice to many occasions in the casion didn't notice, I'm 5 00:00:16,040 --> 00:00:20,000 Speaker 1: not broke. You know he'll be interviewing celebrity CEOs, entrepreneurs 6 00:00:20,000 --> 00:00:22,520 Speaker 1: and industry decision makers. It's what he likes to do. 7 00:00:22,720 --> 00:00:25,079 Speaker 1: It's what he likes to share. Now it's time to 8 00:00:25,120 --> 00:00:29,120 Speaker 1: hear from my man, Rashan McDonald. Money Making Conversations. Here 9 00:00:29,160 --> 00:00:32,159 Speaker 1: we come. Welcome to money Making Conversations. I'm your host, 10 00:00:32,320 --> 00:00:35,000 Speaker 1: ram Sean McDonald. It's time to stop reading other people's 11 00:00:35,040 --> 00:00:37,920 Speaker 1: success stories and come on y'all and start writing your own. 12 00:00:38,240 --> 00:00:40,479 Speaker 1: I always tell people who always leave with their gifts, 13 00:00:40,520 --> 00:00:43,320 Speaker 1: their passion, and don't let your age, friends, family, and 14 00:00:43,400 --> 00:00:46,159 Speaker 1: coworkers stop you from planning or living your dreams. My 15 00:00:46,240 --> 00:00:49,000 Speaker 1: interviews did not do on money making conversation. Always provide 16 00:00:49,040 --> 00:00:52,880 Speaker 1: the consumer that's your business owners, access to celebrity CEOs, 17 00:00:53,120 --> 00:00:56,840 Speaker 1: entrepreneurs and industry decision makers. My next guest is truly 18 00:00:56,880 --> 00:01:00,440 Speaker 1: an industry decision maker. My next guest name is as Cash. 19 00:01:00,720 --> 00:01:03,560 Speaker 1: He's one of the nation's top financial educators, personal bank 20 00:01:03,680 --> 00:01:07,720 Speaker 1: personal finance experts, business coach, motivational speaker, a former fifteen 21 00:01:07,800 --> 00:01:11,200 Speaker 1: year banking executive, and the author of many books, including 22 00:01:11,240 --> 00:01:14,880 Speaker 1: four Amazon dot Com bestsellers. He's been featured on many 23 00:01:14,920 --> 00:01:17,760 Speaker 1: media outlets such as CNN, The New York Times, Ball 24 00:01:17,800 --> 00:01:21,880 Speaker 1: Street Journal, American Banker, CNBC, The Street, dot Com, Black Enterprise, 25 00:01:22,240 --> 00:01:25,920 Speaker 1: Esens Magazine, and Ebony. He's dubbed as the financial Motivator. 26 00:01:26,160 --> 00:01:29,880 Speaker 1: He uses a culturally responsive approach and teaching financial literacy, 27 00:01:30,120 --> 00:01:33,800 Speaker 1: wealth building, and entrepreneurship. Please work with the money making conversations. 28 00:01:33,880 --> 00:01:38,000 Speaker 1: He's my friend, ash Cash brother. Thank you so much 29 00:01:38,040 --> 00:01:40,720 Speaker 1: for having me. I appreciate you. It's a pleasure. You know. 30 00:01:40,760 --> 00:01:42,720 Speaker 1: I have to throw my money making shirt off half 31 00:01:42,800 --> 00:01:45,640 Speaker 1: a little because money making conversations. So we have to 32 00:01:45,640 --> 00:01:47,960 Speaker 1: make happen. What's the great thing about it is that 33 00:01:48,280 --> 00:01:51,680 Speaker 1: watching you build your career and watching you, as you know, 34 00:01:51,760 --> 00:01:54,160 Speaker 1: stay on the sideline, watch people. I'm started. People I 35 00:01:54,160 --> 00:01:56,440 Speaker 1: don't understand. You don't have to jump out there immediately 36 00:01:56,880 --> 00:01:59,720 Speaker 1: to say I've arrived. You should have come with some experience. 37 00:02:00,040 --> 00:02:02,440 Speaker 1: Let's talk about your background a little bit on being 38 00:02:02,480 --> 00:02:05,720 Speaker 1: able to make you an authority, make you authentic, make 39 00:02:05,760 --> 00:02:09,600 Speaker 1: you organically appreciated by the people who you give advice to. 40 00:02:09,639 --> 00:02:12,360 Speaker 1: How did it all start for you? Yes, it's it's 41 00:02:12,480 --> 00:02:16,600 Speaker 1: it started uh nineteen years old, straight out of high school. Actually, 42 00:02:17,000 --> 00:02:19,600 Speaker 1: I was working at a video store rest in Peace 43 00:02:19,639 --> 00:02:22,600 Speaker 1: to Blockbuster videos, and I knew that I didn't want to, 44 00:02:23,080 --> 00:02:25,160 Speaker 1: uh you know, be a store manager. And one day 45 00:02:25,240 --> 00:02:27,800 Speaker 1: one of the assistant managers said that they were hiring 46 00:02:27,960 --> 00:02:30,960 Speaker 1: at Chase Bank for tellers. Uh. And so I said, oh, 47 00:02:31,000 --> 00:02:32,760 Speaker 1: you know what you know, let me let me just 48 00:02:32,800 --> 00:02:34,480 Speaker 1: test it out. I love money, let me just go 49 00:02:34,560 --> 00:02:36,959 Speaker 1: test it out. Um. And so I started my career 50 00:02:37,040 --> 00:02:40,240 Speaker 1: as a as a teller at nineteen years old. Uh. 51 00:02:40,240 --> 00:02:43,000 Speaker 1: And I did everything you know in banking, from teller 52 00:02:43,080 --> 00:02:47,640 Speaker 1: to personal banking to a private banker branch manager. I 53 00:02:47,720 --> 00:02:50,880 Speaker 1: was a CEO of a credit union. Um. And while 54 00:02:50,919 --> 00:02:54,120 Speaker 1: I was working though one of my my joy I 55 00:02:54,200 --> 00:02:58,080 Speaker 1: used to go to to to jails, you know, Rikers Island, 56 00:02:58,120 --> 00:03:01,919 Speaker 1: to churches to be of the based organizations and teach 57 00:03:01,960 --> 00:03:05,519 Speaker 1: financial literacy. Um. And I'm a big jay Z fan. 58 00:03:05,600 --> 00:03:08,760 Speaker 1: So in the in the words of the Honorable Sean Carter. Uh, 59 00:03:08,760 --> 00:03:10,920 Speaker 1: there's much bigger issues in the world, I know. So 60 00:03:10,960 --> 00:03:12,680 Speaker 1: I first had to take care of the world, I know, 61 00:03:13,040 --> 00:03:14,799 Speaker 1: And so I figured, I said, you know what, I 62 00:03:15,280 --> 00:03:17,240 Speaker 1: want to do this for a living. And so from 63 00:03:17,280 --> 00:03:20,840 Speaker 1: there I just decided, like how do I make money? 64 00:03:21,520 --> 00:03:23,639 Speaker 1: How do I make impact? Number one? But then how 65 00:03:23,639 --> 00:03:25,960 Speaker 1: do I make an income and an impact? Um? And 66 00:03:26,000 --> 00:03:27,800 Speaker 1: that's when I wrote my first book in two thousand 67 00:03:27,800 --> 00:03:30,320 Speaker 1: and nine. Uh, and really just kind of you know, 68 00:03:30,360 --> 00:03:33,720 Speaker 1: became a speaker, became a financial educator, um. And then 69 00:03:33,840 --> 00:03:36,400 Speaker 1: you know, here I am today, still doing the same thing, 70 00:03:36,920 --> 00:03:40,480 Speaker 1: still still a financial educator, but really uh, you know, 71 00:03:40,600 --> 00:03:43,240 Speaker 1: doing it at a at a level that allows me 72 00:03:43,280 --> 00:03:46,160 Speaker 1: to have you know, more impact. Uh. And you know 73 00:03:46,200 --> 00:03:48,680 Speaker 1: combine that with with with income as well. Know asked 74 00:03:48,720 --> 00:03:50,600 Speaker 1: when we when when I brought you on the show, 75 00:03:50,600 --> 00:03:52,240 Speaker 1: and bring you on the show. The whole process is 76 00:03:52,280 --> 00:03:54,960 Speaker 1: just to break down a lot of things that people fear, 77 00:03:55,040 --> 00:03:59,000 Speaker 1: and people fear money, and people fear banks. Banks intimidate people, 78 00:03:59,400 --> 00:04:03,800 Speaker 1: taxes intimidate people. What's the common effects? You know, because 79 00:04:03,800 --> 00:04:05,240 Speaker 1: you've been in the bank and you've seen all those 80 00:04:05,280 --> 00:04:08,360 Speaker 1: different layers that you have. What is the number one 81 00:04:08,360 --> 00:04:11,760 Speaker 1: common denominator that people have and not be afraid of 82 00:04:11,800 --> 00:04:15,440 Speaker 1: when they bank. Yeah, I think I think first and 83 00:04:15,520 --> 00:04:19,720 Speaker 1: foremost is knowledge, uh, and then second, second of all, 84 00:04:20,000 --> 00:04:23,520 Speaker 1: it's the mindset, right because um, you know, once you 85 00:04:23,680 --> 00:04:28,640 Speaker 1: have knowledge, the people are afraid of what they don't understand, um. 86 00:04:28,680 --> 00:04:30,920 Speaker 1: And so what happens is that a lot of people 87 00:04:31,480 --> 00:04:35,920 Speaker 1: don't really understand how banking works, how taxes work. They 88 00:04:35,920 --> 00:04:38,200 Speaker 1: don't understand that part of the game, and so what 89 00:04:38,279 --> 00:04:42,600 Speaker 1: they attach themselves to is other people's experiences, other what 90 00:04:42,960 --> 00:04:46,280 Speaker 1: other people go through, which is normally the negative stuff, um. 91 00:04:46,320 --> 00:04:48,960 Speaker 1: And so they attach themselves to that negative aspect of it, 92 00:04:49,000 --> 00:04:51,839 Speaker 1: and so that becomes their reality. But if they start 93 00:04:51,920 --> 00:04:56,000 Speaker 1: to you know, get knowledgeable, right, the more we understand 94 00:04:56,040 --> 00:04:59,600 Speaker 1: how things work, um, that is going to the knowledge 95 00:04:59,640 --> 00:05:02,080 Speaker 1: is going to change our mindset and in our mindset 96 00:05:02,440 --> 00:05:05,800 Speaker 1: is going to to let us know, um that these 97 00:05:05,839 --> 00:05:08,520 Speaker 1: are you know, banking is a tool. Money is a tool. 98 00:05:08,880 --> 00:05:11,719 Speaker 1: You know, taxes even are are. It's a tool. And 99 00:05:11,760 --> 00:05:13,640 Speaker 1: if you know how to use it the right way, 100 00:05:13,920 --> 00:05:16,240 Speaker 1: you can actually use it, you know in your favor. 101 00:05:16,520 --> 00:05:18,360 Speaker 1: You know, they're really funny when you are just hearing 102 00:05:18,360 --> 00:05:21,280 Speaker 1: your conversation. I smiled because you know, you was talking 103 00:05:21,320 --> 00:05:24,400 Speaker 1: about how people can stop you from doing your dreams. 104 00:05:24,440 --> 00:05:27,120 Speaker 1: You know, and they have negative spirits because you can 105 00:05:27,120 --> 00:05:28,840 Speaker 1: go to people, they're gonna have a negative store before 106 00:05:28,839 --> 00:05:31,119 Speaker 1: we have a good store. That's that's fact of life. 107 00:05:31,400 --> 00:05:33,599 Speaker 1: And so and in the beginning, I always tell people, 108 00:05:33,800 --> 00:05:36,200 Speaker 1: you know, don't let your age, friends, family, and cowork 109 00:05:36,240 --> 00:05:38,320 Speaker 1: can stop you from planning and living your dream. At 110 00:05:38,360 --> 00:05:41,240 Speaker 1: the age of nineteen, you know, you left Blockbuster, went 111 00:05:41,240 --> 00:05:43,840 Speaker 1: to a bank, and then you started having dreams of 112 00:05:44,000 --> 00:05:47,200 Speaker 1: thoughts of running the bank, being an executive, talking about 113 00:05:47,240 --> 00:05:50,360 Speaker 1: people who didn't believe that you could do that, that 114 00:05:50,560 --> 00:05:53,520 Speaker 1: they questioned you and said, no, you're just gonna be 115 00:05:53,520 --> 00:05:55,919 Speaker 1: a teller. No, you're not gonna have run a credit union. 116 00:05:56,040 --> 00:05:58,520 Speaker 1: Because let's stop so many people's dreams and they allow 117 00:05:58,640 --> 00:06:04,240 Speaker 1: those negative so much to dominate and then redirect their dreams. Yeah, 118 00:06:04,279 --> 00:06:07,440 Speaker 1: I think I think I think it's important, um that 119 00:06:07,680 --> 00:06:10,840 Speaker 1: you know, uh, you can't. You can't excuse me, I 120 00:06:10,880 --> 00:06:15,520 Speaker 1: don't know. If you hit a dog, don't worry about it, okay, Um, 121 00:06:15,560 --> 00:06:19,360 Speaker 1: And so you know, I think I think it's important that, um, 122 00:06:19,400 --> 00:06:21,520 Speaker 1: you know, when you have a dream, you have to 123 00:06:21,560 --> 00:06:24,520 Speaker 1: realize that the dream was given to you for a 124 00:06:24,520 --> 00:06:29,880 Speaker 1: particular reason. A lot of times people are so interested in, um, 125 00:06:29,920 --> 00:06:31,960 Speaker 1: you know, what their family has to say, what their 126 00:06:32,000 --> 00:06:35,040 Speaker 1: friends have to say, not realizing that the dream wasn't 127 00:06:35,040 --> 00:06:37,359 Speaker 1: given to them. And so I was met with a 128 00:06:37,400 --> 00:06:40,320 Speaker 1: lot of opposition when I had this dream of being 129 00:06:40,360 --> 00:06:42,600 Speaker 1: a banker, when I had a dream of, you know, 130 00:06:42,720 --> 00:06:45,960 Speaker 1: being a branch manager. Because the truth of the matter 131 00:06:46,040 --> 00:06:48,880 Speaker 1: is that, you know, the finance industry is two percent 132 00:06:49,080 --> 00:06:52,440 Speaker 1: you know, black, right's supercent minority. And so when when 133 00:06:52,560 --> 00:06:55,000 Speaker 1: you know you see so, you know, a black guy 134 00:06:55,320 --> 00:06:57,640 Speaker 1: who's from the from the hood, you know, right, I 135 00:06:57,680 --> 00:06:59,880 Speaker 1: grew up with St. Nicholas projects in Armand and so 136 00:07:00,160 --> 00:07:03,200 Speaker 1: h you know, black guy from Hallam who doesn't have 137 00:07:03,279 --> 00:07:06,520 Speaker 1: the education that that was necessary. Um. I had a 138 00:07:06,520 --> 00:07:08,280 Speaker 1: lot of nay says that, a lot of people telling 139 00:07:08,320 --> 00:07:11,320 Speaker 1: me what I could and couldn't do. But the one 140 00:07:11,360 --> 00:07:13,960 Speaker 1: thing is that I just had to attach myself to 141 00:07:14,000 --> 00:07:17,480 Speaker 1: that vision. I had to attach myself to that goal 142 00:07:17,840 --> 00:07:21,120 Speaker 1: and make sure that I that I just stay focused 143 00:07:21,120 --> 00:07:24,880 Speaker 1: on it. One you know, uh they always say representation matters, um, 144 00:07:25,000 --> 00:07:27,400 Speaker 1: And the one thing all I needed to see is 145 00:07:27,400 --> 00:07:29,520 Speaker 1: one person. I didn't need to see a thousand people. 146 00:07:29,520 --> 00:07:32,360 Speaker 1: I just need to see one person that looked like me, 147 00:07:32,720 --> 00:07:34,840 Speaker 1: that did what I wanted to do. And once I 148 00:07:34,840 --> 00:07:37,440 Speaker 1: saw that one person, that's who I locked in on. 149 00:07:37,920 --> 00:07:41,320 Speaker 1: And everything that everybody said, or everybody all the nay says, 150 00:07:41,480 --> 00:07:44,040 Speaker 1: it really didn't matter to me because I knew it 151 00:07:44,080 --> 00:07:47,880 Speaker 1: was possible, and that belief system, that mindset of knowing 152 00:07:48,040 --> 00:07:50,280 Speaker 1: is possible was all I needed. And so I would 153 00:07:50,320 --> 00:07:53,880 Speaker 1: tell anybody who has this dream, don't don't share your 154 00:07:53,960 --> 00:07:57,840 Speaker 1: dream with somebody who has not lived your dream or 155 00:07:58,440 --> 00:08:01,240 Speaker 1: is it has experienced your dream or is experiencing it, 156 00:08:01,480 --> 00:08:05,200 Speaker 1: because they're coming from a space of they don't have 157 00:08:05,280 --> 00:08:08,240 Speaker 1: the knowledge, right. And so if if you're looking to 158 00:08:07,960 --> 00:08:11,280 Speaker 1: to have a successful relationship, you can't talk to somebody 159 00:08:11,320 --> 00:08:13,840 Speaker 1: who's never been in a relationship and get and get 160 00:08:13,880 --> 00:08:16,800 Speaker 1: relationship advice for them. If you're looking for money advice, 161 00:08:17,000 --> 00:08:19,680 Speaker 1: you can't talk to somebody who doesn't have money experience, 162 00:08:19,920 --> 00:08:23,160 Speaker 1: Like you have to have money making conversations with people 163 00:08:23,240 --> 00:08:26,000 Speaker 1: who know how to make money, been around money, who 164 00:08:26,000 --> 00:08:29,080 Speaker 1: want to stand money. So that way that that advice 165 00:08:29,520 --> 00:08:32,520 Speaker 1: is coming from a place of where you want to 166 00:08:32,559 --> 00:08:35,400 Speaker 1: be or where you wanna go. But though once you 167 00:08:35,440 --> 00:08:37,760 Speaker 1: get their advice, it doesn't mean you hold on to 168 00:08:37,880 --> 00:08:40,760 Speaker 1: it because things change to right, you take their advice 169 00:08:40,920 --> 00:08:43,760 Speaker 1: and now you you mold it. You you create it 170 00:08:43,840 --> 00:08:46,440 Speaker 1: for you so it could it would be tailor made 171 00:08:46,480 --> 00:08:48,640 Speaker 1: for you, and then you move forward from there. Yeah, 172 00:08:48,640 --> 00:08:50,160 Speaker 1: that's why I love That's why I was excited about 173 00:08:50,160 --> 00:08:52,680 Speaker 1: bringing on this show. Because you live my monitor, you know. 174 00:08:52,920 --> 00:08:56,000 Speaker 1: Stop reading other people's success story, that's their advice, you know, 175 00:08:56,320 --> 00:08:58,760 Speaker 1: and start writing your own. Because their pathway or how 176 00:08:58,800 --> 00:09:01,040 Speaker 1: they got there is there. For the age is different. 177 00:09:01,240 --> 00:09:03,680 Speaker 1: Their agenda may be different than whether you know they're 178 00:09:03,720 --> 00:09:06,800 Speaker 1: they're their parental support may be different, and so but 179 00:09:07,040 --> 00:09:09,840 Speaker 1: the advice is important. Just don't try to live it 180 00:09:09,880 --> 00:09:12,040 Speaker 1: the way they and achieve it the way they achieved it. 181 00:09:12,280 --> 00:09:14,439 Speaker 1: But more importantly, when I when I listened to you 182 00:09:14,679 --> 00:09:17,960 Speaker 1: communicate all these these these nuggets of information about your 183 00:09:18,200 --> 00:09:20,719 Speaker 1: your history, and I tell people between the ages of 184 00:09:20,800 --> 00:09:23,400 Speaker 1: eighteen and twenty and three are important because that's when 185 00:09:23,400 --> 00:09:26,720 Speaker 1: you're you're out there being yourself. You're you're champion your 186 00:09:26,880 --> 00:09:29,079 Speaker 1: own causes. You know, you may not be married yet, 187 00:09:29,120 --> 00:09:32,640 Speaker 1: you may be just a guy inspired female inspired by 188 00:09:32,880 --> 00:09:35,400 Speaker 1: your dreams. When you get out of that, when you 189 00:09:35,400 --> 00:09:37,839 Speaker 1: get your thirds and farties, is when your dreams may 190 00:09:37,880 --> 00:09:41,400 Speaker 1: get shifted out of pocket. Now, as you were starting 191 00:09:41,440 --> 00:09:44,400 Speaker 1: to grow, what started shifting in and who helped you 192 00:09:44,520 --> 00:09:48,520 Speaker 1: stay online? Ash? Because I always call those people important. 193 00:09:48,640 --> 00:09:50,600 Speaker 1: A lot of people who just step to the plate 194 00:09:50,720 --> 00:09:55,520 Speaker 1: with rashan, are you crazy? Rash, don't do that. Yeah, So, 195 00:09:55,520 --> 00:09:59,120 Speaker 1: so I would say first and foremost, Um, you know 196 00:09:59,200 --> 00:10:01,959 Speaker 1: I have to, I have to say my wife, right 197 00:10:02,120 --> 00:10:05,959 Speaker 1: because when I met her, um, you know, we worked 198 00:10:05,960 --> 00:10:09,040 Speaker 1: at the bank together actually, um, and she was my 199 00:10:09,080 --> 00:10:12,040 Speaker 1: biggest champion. She saw a lot in me that I 200 00:10:12,080 --> 00:10:14,319 Speaker 1: didn't even really see yet. It took me a while 201 00:10:14,760 --> 00:10:16,480 Speaker 1: for me to see it, right, And so she was 202 00:10:16,520 --> 00:10:19,840 Speaker 1: always speaking life to me. Right. She was always telling me, 203 00:10:20,040 --> 00:10:22,120 Speaker 1: you know, like if I accepted something that was less 204 00:10:22,160 --> 00:10:24,760 Speaker 1: than you know, what what what what I what I knew, 205 00:10:25,160 --> 00:10:28,000 Speaker 1: or or less than what I deserved, she would be like, Na, 206 00:10:28,160 --> 00:10:31,120 Speaker 1: you need to you need to step that up, right. Um. So, 207 00:10:31,440 --> 00:10:34,640 Speaker 1: so definitely, my my wife was a big part of 208 00:10:34,640 --> 00:10:40,160 Speaker 1: my success. But then also, oddly enough, it was people 209 00:10:40,240 --> 00:10:44,480 Speaker 1: I I never even met, right, because a lot of um, 210 00:10:44,920 --> 00:10:48,680 Speaker 1: you know, my neighborhood, growing up, how I grew up, Um, 211 00:10:48,760 --> 00:10:51,680 Speaker 1: you know, I didn't have access to business mentors. I 212 00:10:51,679 --> 00:10:55,679 Speaker 1: didn't have access to people that could directly mentor me. Um. 213 00:10:55,720 --> 00:10:58,080 Speaker 1: And so a lot of part of my success was 214 00:10:58,160 --> 00:11:01,480 Speaker 1: reading books. Part of my six US was watching documentaries. 215 00:11:01,480 --> 00:11:06,800 Speaker 1: Part of my success was really, um, just just understanding that, 216 00:11:07,120 --> 00:11:09,560 Speaker 1: you know, other people have done what I wanna do. 217 00:11:09,600 --> 00:11:12,800 Speaker 1: They laid the blueprint. Uh. And and I stayed motivated 218 00:11:13,120 --> 00:11:17,040 Speaker 1: by always, you know, focusing on you know, somebody's story 219 00:11:17,520 --> 00:11:19,719 Speaker 1: that you know that that I said, oh wow, this 220 00:11:19,760 --> 00:11:22,880 Speaker 1: person came you know, from from from from the neighborhood. 221 00:11:22,880 --> 00:11:25,880 Speaker 1: Oh this you know this person is is Is, you know, 222 00:11:26,080 --> 00:11:28,319 Speaker 1: has nine brothers, assistants. They grew up in the inner 223 00:11:28,320 --> 00:11:30,680 Speaker 1: city too, and they and they got two Emmies and 224 00:11:30,720 --> 00:11:33,080 Speaker 1: they you know what I'm saying. It was those type 225 00:11:33,080 --> 00:11:35,840 Speaker 1: of stories that got me that that that really kind 226 00:11:35,840 --> 00:11:39,120 Speaker 1: of allowed me to continue pushing. So I would definitely say, 227 00:11:39,480 --> 00:11:42,000 Speaker 1: you know, my you know, my wife, I would definitely say, 228 00:11:42,080 --> 00:11:46,720 Speaker 1: you know stories, uh, you know, documentaries, celebrities, business people. 229 00:11:47,120 --> 00:11:49,280 Speaker 1: You know. Reginald Lewis was a big you know uh 230 00:11:49,400 --> 00:11:52,400 Speaker 1: you know, you know a big big uh success. Uh, 231 00:11:52,440 --> 00:11:55,480 Speaker 1: you know a big influence in my life. Black enterprise, right, 232 00:11:55,559 --> 00:11:58,640 Speaker 1: Alfred Edmund Uh, you know a lot of people who 233 00:11:58,640 --> 00:12:02,320 Speaker 1: I've watched from afar. But but then eventually, and not 234 00:12:02,360 --> 00:12:06,440 Speaker 1: to get philosophical, but eventually, as you start vibrating on 235 00:12:06,520 --> 00:12:09,680 Speaker 1: the on the energy of success, you start to now 236 00:12:09,800 --> 00:12:14,400 Speaker 1: attract success, right, success attract success. And so as I 237 00:12:14,440 --> 00:12:17,920 Speaker 1: started to had to pretend and create these mentors in 238 00:12:17,960 --> 00:12:21,000 Speaker 1: my head, as I started to get successful, I now 239 00:12:21,080 --> 00:12:25,040 Speaker 1: started to to attract other successful people who have now 240 00:12:25,440 --> 00:12:28,520 Speaker 1: been my mentors directly. And so you know, I would 241 00:12:28,520 --> 00:12:31,560 Speaker 1: say it's a combination of you know, of of what 242 00:12:31,679 --> 00:12:34,319 Speaker 1: I read who are attracted, and then also my my 243 00:12:34,559 --> 00:12:36,920 Speaker 1: wife as well. I'm speaking to Ash Cash. He's the 244 00:12:36,920 --> 00:12:40,720 Speaker 1: founder and chief financial educated mind Right Money Management, a 245 00:12:40,800 --> 00:12:45,160 Speaker 1: financial education and media company have been They blends psychology 246 00:12:45,280 --> 00:12:48,000 Speaker 1: and personal finance with music, pop culture, and relevant news 247 00:12:48,000 --> 00:12:50,160 Speaker 1: to help people manage their money. Just to keep this conversation, 248 00:12:50,240 --> 00:12:52,440 Speaker 1: by managing your money, but I don't see your lifestyle 249 00:12:52,679 --> 00:12:54,880 Speaker 1: better in order to live the life that you want. 250 00:12:55,400 --> 00:12:58,520 Speaker 1: And that's important because so many people make mistakes when 251 00:12:58,520 --> 00:13:01,320 Speaker 1: they always say looking to the person's yard, you know, 252 00:13:01,400 --> 00:13:02,960 Speaker 1: just because they got the roads, don't mean you have 253 00:13:03,000 --> 00:13:04,880 Speaker 1: to have a roads or your roads that big. You 254 00:13:04,920 --> 00:13:07,400 Speaker 1: can buy a small roads for a lot less money 255 00:13:07,440 --> 00:13:08,679 Speaker 1: and let it grow to that. But a lot of 256 00:13:08,679 --> 00:13:11,000 Speaker 1: people want to match up. And that's a lot of 257 00:13:11,280 --> 00:13:12,960 Speaker 1: that's what a lot of people make the errors with money. 258 00:13:13,040 --> 00:13:15,640 Speaker 1: They want to match up to what they think is successful. 259 00:13:15,679 --> 00:13:18,760 Speaker 1: Like you said earlier, in a lot of their take area, 260 00:13:18,800 --> 00:13:21,880 Speaker 1: financial area, you see very few black people people they 261 00:13:21,920 --> 00:13:24,560 Speaker 1: look like you. Well, that's why blacks a lot of 262 00:13:24,679 --> 00:13:27,959 Speaker 1: times attracted to sports because sports are dominated by African America. 263 00:13:28,000 --> 00:13:31,600 Speaker 1: Six of the NFL is black, over of the NBA 264 00:13:31,800 --> 00:13:34,680 Speaker 1: is black, and so they oh, that's that's they feel 265 00:13:34,720 --> 00:13:38,960 Speaker 1: that's easy. But still in anything you do as there 266 00:13:39,160 --> 00:13:43,400 Speaker 1: is work, there is competition. Let's take the blinders off 267 00:13:43,720 --> 00:13:45,760 Speaker 1: the fake game. Just because you see a lot of 268 00:13:45,840 --> 00:13:49,679 Speaker 1: us don't mean it's easy talk to us. Yeah, And 269 00:13:49,920 --> 00:13:51,520 Speaker 1: I love I love that you said that because I 270 00:13:51,520 --> 00:13:55,080 Speaker 1: think that's that's what happens right especially now because we 271 00:13:55,160 --> 00:13:58,880 Speaker 1: have social media UM. And so social media UM is 272 00:13:58,920 --> 00:14:01,439 Speaker 1: the highlight reels. So you see the highlight reel UM 273 00:14:01,600 --> 00:14:03,920 Speaker 1: and people say, oh, if he could do it, then 274 00:14:03,960 --> 00:14:06,480 Speaker 1: I could do it. But people don't see the sleepless nights. 275 00:14:06,520 --> 00:14:09,160 Speaker 1: People don't see the you know, the first you're the 276 00:14:09,160 --> 00:14:10,800 Speaker 1: first to wake up, the last to go to bed. 277 00:14:10,880 --> 00:14:13,440 Speaker 1: You know that. People don't see the grind that goes 278 00:14:13,520 --> 00:14:17,040 Speaker 1: behind that. Um. And so I think I think number one. UM. 279 00:14:17,080 --> 00:14:20,240 Speaker 1: That's why when they say life is a is a journey, 280 00:14:20,280 --> 00:14:23,840 Speaker 1: not a destination. That's important for people to realize that 281 00:14:23,920 --> 00:14:27,440 Speaker 1: if if, if success is a place for you, then 282 00:14:27,440 --> 00:14:30,360 Speaker 1: you're doing it wrong. Success can't be a place. Success 283 00:14:30,400 --> 00:14:34,080 Speaker 1: can't say I'm successful when I reached this place. That's 284 00:14:34,120 --> 00:14:37,680 Speaker 1: absolutely false. You're successful when you wake up every single 285 00:14:37,760 --> 00:14:40,400 Speaker 1: day with purpose. You're successful when you say, you know what, 286 00:14:40,800 --> 00:14:43,680 Speaker 1: this is what I want. But I love the process 287 00:14:43,760 --> 00:14:46,720 Speaker 1: that has taken me to get there, because I promise you, 288 00:14:47,080 --> 00:14:50,160 Speaker 1: once you get to whatever destination is there is, there's 289 00:14:50,200 --> 00:14:52,400 Speaker 1: going to be something else. You're gonna stop, You're gonna 290 00:14:52,520 --> 00:14:54,920 Speaker 1: rest if you must, but then you're you know, you're 291 00:14:54,920 --> 00:14:57,120 Speaker 1: gonna say, oh I want you know this, now I 292 00:14:57,200 --> 00:15:00,640 Speaker 1: desire this, and then now there's gonna be another The journey, right, 293 00:15:00,680 --> 00:15:05,360 Speaker 1: the journey doesn't stop. And so understand that don't look 294 00:15:05,400 --> 00:15:08,800 Speaker 1: at somebody else's success and and and fall in love 295 00:15:08,840 --> 00:15:11,840 Speaker 1: with the highlight reel. Don't fall in love with you 296 00:15:11,880 --> 00:15:15,280 Speaker 1: know the what they're posting on social media? Find out 297 00:15:15,640 --> 00:15:18,480 Speaker 1: what is the process? What process did they take to 298 00:15:18,600 --> 00:15:22,480 Speaker 1: get to that level? And you know what is that process? 299 00:15:22,520 --> 00:15:25,360 Speaker 1: And can you fall in love with the process. If 300 00:15:25,400 --> 00:15:28,560 Speaker 1: you cannot fall in love with the process, the success 301 00:15:28,680 --> 00:15:31,240 Speaker 1: isn't for you. Right. If you can't fall in love 302 00:15:31,520 --> 00:15:35,240 Speaker 1: with the process of what what what it entails to 303 00:15:35,240 --> 00:15:38,200 Speaker 1: to to attain what you want to attain, then you 304 00:15:38,200 --> 00:15:41,280 Speaker 1: should be focused on something else every single day. Right. 305 00:15:41,400 --> 00:15:45,040 Speaker 1: My goal is to inspire and motivate people to be 306 00:15:45,120 --> 00:15:47,920 Speaker 1: the best that they could possibly be. Whether I gotta 307 00:15:48,040 --> 00:15:51,440 Speaker 1: dime for it or not. I am that right in 308 00:15:51,520 --> 00:15:55,440 Speaker 1: my being. I am inspiration in my being. I am motivation. 309 00:15:55,680 --> 00:15:57,920 Speaker 1: And so it doesn't feel like work. I know people 310 00:15:57,960 --> 00:15:59,680 Speaker 1: say if you if you find, if you find a 311 00:15:59,760 --> 00:16:02,200 Speaker 1: job you love, you'll never work a day in your life. 312 00:16:02,400 --> 00:16:04,120 Speaker 1: And so when I say it doesn't feel like work, 313 00:16:04,200 --> 00:16:06,440 Speaker 1: I don't mean that there aren't times where I wake 314 00:16:06,520 --> 00:16:12,040 Speaker 1: up and I'm like that. I still love it, right, love, 315 00:16:12,520 --> 00:16:16,080 Speaker 1: love and time not usually exclusive. Right, still love it 316 00:16:16,240 --> 00:16:19,800 Speaker 1: and still be right and still right. But just understand 317 00:16:19,880 --> 00:16:22,200 Speaker 1: though that once I get going, I'm like, ah, this 318 00:16:22,280 --> 00:16:23,560 Speaker 1: is this is this is what I'm meant to do, 319 00:16:23,600 --> 00:16:25,120 Speaker 1: is what I love to do it. So you know, 320 00:16:25,160 --> 00:16:28,800 Speaker 1: I mean everybody to who's who's after success. Just know 321 00:16:29,240 --> 00:16:31,520 Speaker 1: that it's a journey to it and make sure you 322 00:16:31,520 --> 00:16:34,120 Speaker 1: fall in love with that journey. It's finally here the 323 00:16:34,240 --> 00:16:37,600 Speaker 1: season of celebration, and no matter how you celebrate with 324 00:16:37,640 --> 00:16:40,960 Speaker 1: family and friends, whether you're preparing for reys magos or 325 00:16:41,000 --> 00:16:45,040 Speaker 1: Karamu lighting the Manura, are going to midnight mass, Coals 326 00:16:45,080 --> 00:16:48,120 Speaker 1: has just what you need to make those traditions special. 327 00:16:48,480 --> 00:16:51,560 Speaker 1: Plus you'll find gifts for all your loved ones. 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Yeah, it's so funny you say that, 355 00:18:29,600 --> 00:18:31,040 Speaker 1: because I always tell people I get up at four 356 00:18:31,040 --> 00:18:33,280 Speaker 1: o'clock in the morning the Monday through Friday. I said, 357 00:18:33,280 --> 00:18:35,199 Speaker 1: I'm not happy getting up. I said, but I know 358 00:18:35,280 --> 00:18:37,399 Speaker 1: that's part of the journey. And I always tell us 359 00:18:37,400 --> 00:18:39,600 Speaker 1: share the story of people about my wife. One time 360 00:18:39,640 --> 00:18:41,720 Speaker 1: she asked me to she just to drive me to 361 00:18:41,760 --> 00:18:45,239 Speaker 1: the airport, you know, And she said, wow, you just 362 00:18:45,480 --> 00:18:48,520 Speaker 1: you just don't stop, dude. I said, well, it's not 363 00:18:48,520 --> 00:18:50,119 Speaker 1: a question of me stopping. It's just this is a 364 00:18:50,200 --> 00:18:52,320 Speaker 1: part of our goals. And you put goals in place, 365 00:18:52,359 --> 00:18:54,880 Speaker 1: you have to reach him. And she said, as she said, 366 00:18:55,040 --> 00:18:57,280 Speaker 1: do you ever get tired? And I told us that 367 00:18:57,400 --> 00:19:00,919 Speaker 1: I'm tired right now, right was saying. And I had 368 00:19:00,960 --> 00:19:02,600 Speaker 1: to tell esther because you knew you would appreciate what 369 00:19:02,640 --> 00:19:05,439 Speaker 1: I'm saying. Because look, man, look just because I'm moving 370 00:19:05,480 --> 00:19:07,440 Speaker 1: forward don't mean I don't want to lay that out. 371 00:19:07,800 --> 00:19:09,960 Speaker 1: But that's not part of the mission. And then I 372 00:19:10,320 --> 00:19:12,240 Speaker 1: want to throw you a compliment. I'm a big rapper. 373 00:19:12,280 --> 00:19:14,840 Speaker 1: I'm a big rapper friend and my all time favorite 374 00:19:14,880 --> 00:19:18,040 Speaker 1: records there's Tupac tupodcast. Nobody can tell me nothing wrong 375 00:19:18,040 --> 00:19:20,240 Speaker 1: about Tupac And there's nothing to do with your side, 376 00:19:20,320 --> 00:19:22,480 Speaker 1: nothing do with your color. But just listening to that, 377 00:19:23,000 --> 00:19:24,919 Speaker 1: those those I would call the lyrics that you just 378 00:19:25,000 --> 00:19:28,920 Speaker 1: laid about motivation and inspiration. Man, if you have dropped 379 00:19:28,960 --> 00:19:33,159 Speaker 1: the biggest small beat underneath you, I'm telling you I 380 00:19:33,520 --> 00:19:40,080 Speaker 1: just took off, took because it felt like I was 381 00:19:40,119 --> 00:19:43,120 Speaker 1: listening to the biggest fall of motivational and find out 382 00:19:43,160 --> 00:19:45,159 Speaker 1: your expect But you've been duff like that. You've been 383 00:19:45,200 --> 00:19:48,639 Speaker 1: dubbed to finance your motivator, haven't you. Absolutely yeah, I've been. 384 00:19:49,280 --> 00:19:50,920 Speaker 1: You know. You know the funny thing about that is 385 00:19:50,960 --> 00:19:53,480 Speaker 1: because you know, like I said, I am fighting, I 386 00:19:53,520 --> 00:19:56,920 Speaker 1: am motivation. Um. And so you know when I teach, 387 00:19:57,160 --> 00:19:59,840 Speaker 1: and that's what makes me different. Right, when I teach finance, 388 00:20:00,280 --> 00:20:03,040 Speaker 1: I'm not teaching fin I mean, finance could be boring, right, 389 00:20:03,040 --> 00:20:06,119 Speaker 1: So I'm not teaching that from a perspective of uh. 390 00:20:06,160 --> 00:20:08,960 Speaker 1: You know, you know one plus one equals too. Number 391 00:20:08,960 --> 00:20:10,960 Speaker 1: one is the mindset, right, And that's why my company 392 00:20:11,000 --> 00:20:13,159 Speaker 1: is called mind Right Money Management, because you have to 393 00:20:13,160 --> 00:20:16,000 Speaker 1: have your mind right before you get your money right. Um. 394 00:20:16,040 --> 00:20:19,280 Speaker 1: But then you know, I just believe that this. I 395 00:20:19,320 --> 00:20:23,520 Speaker 1: believe that every single day that you wake up, it's 396 00:20:23,520 --> 00:20:26,760 Speaker 1: a blessing. Everything else is a bonus. Right. And so 397 00:20:26,880 --> 00:20:30,159 Speaker 1: with that level of excitement. I need people to be excited. 398 00:20:30,400 --> 00:20:33,320 Speaker 1: I want you to be excited with the opportunity to earn. 399 00:20:33,560 --> 00:20:35,359 Speaker 1: I want you to be excited that you even have 400 00:20:35,400 --> 00:20:39,080 Speaker 1: an opportunity to fulfill your dream. You don't. Don't only 401 00:20:39,119 --> 00:20:42,199 Speaker 1: be excited because your dream is fulfilled. Be excited that 402 00:20:42,240 --> 00:20:45,080 Speaker 1: you have the opportunity. There are a hundred and fifty 403 00:20:45,200 --> 00:20:49,480 Speaker 1: thousand people that die every single day who wish they 404 00:20:49,480 --> 00:20:51,679 Speaker 1: have the opportunity that you have. And so I just 405 00:20:51,720 --> 00:20:56,520 Speaker 1: wake up inspired and motivated and thankful to God that 406 00:20:56,640 --> 00:20:59,679 Speaker 1: I have another opportunity to talk to people. And so 407 00:21:00,080 --> 00:21:02,760 Speaker 1: you know, you know, uh, I don't drink coffee. So 408 00:21:02,760 --> 00:21:04,880 Speaker 1: this energy that you get right now, this is this 409 00:21:04,960 --> 00:21:07,520 Speaker 1: is this is number water, this is h two old. 410 00:21:07,680 --> 00:21:10,280 Speaker 1: I don't drink coffee. But it's just an excitement. And 411 00:21:10,280 --> 00:21:12,800 Speaker 1: that's why they call me the financial motivator because you know, 412 00:21:12,840 --> 00:21:16,520 Speaker 1: I have a special way of of using that excitement 413 00:21:16,560 --> 00:21:19,720 Speaker 1: for life to teach you about finance. Because I also 414 00:21:20,080 --> 00:21:22,760 Speaker 1: believe that abundance is our birthright, um and so it's 415 00:21:22,760 --> 00:21:26,280 Speaker 1: not something that we should be begging for. It isn't 416 00:21:26,320 --> 00:21:29,720 Speaker 1: something that we should be compromising ourselves for. It is 417 00:21:29,720 --> 00:21:33,560 Speaker 1: our actual birthright. And the more you can get to 418 00:21:33,600 --> 00:21:35,680 Speaker 1: the money, the more you can get to your to 419 00:21:35,840 --> 00:21:37,720 Speaker 1: the money, the more you can get to the purpose. Right. 420 00:21:37,760 --> 00:21:40,480 Speaker 1: So when you start leading with purpose and you start 421 00:21:40,560 --> 00:21:44,399 Speaker 1: doing and being who you are every single day, that 422 00:21:44,520 --> 00:21:47,280 Speaker 1: is what's going to allow you to uh uh command 423 00:21:47,320 --> 00:21:50,679 Speaker 1: the income that you want to command. And the more income, right, 424 00:21:50,680 --> 00:21:53,439 Speaker 1: I know Biggie said, more money, more problems. But the 425 00:21:53,480 --> 00:21:57,480 Speaker 1: more income, the more impact. Right, more income, more impact. 426 00:21:57,640 --> 00:22:01,000 Speaker 1: So that's what it's about. It's about having motivating people 427 00:22:01,280 --> 00:22:04,000 Speaker 1: to get to the bag, right, motivating people to get 428 00:22:04,040 --> 00:22:07,040 Speaker 1: to that financial abundance that's their birthright, so that way 429 00:22:07,080 --> 00:22:11,119 Speaker 1: they can have more impact. Right. I've been broke before, right, 430 00:22:11,200 --> 00:22:13,879 Speaker 1: I've had I've been a spaces where I'm counting and 431 00:22:13,880 --> 00:22:16,240 Speaker 1: figuring out how' gonna pay bills. I'm not my hundred 432 00:22:16,280 --> 00:22:19,560 Speaker 1: percent self, right, I'm not giving you all of ash 433 00:22:19,640 --> 00:22:22,120 Speaker 1: cash if I'm trying to figure out how I'm gonna 434 00:22:22,160 --> 00:22:24,639 Speaker 1: rob Peter to pay Plaull. But but but I promise 435 00:22:24,720 --> 00:22:26,760 Speaker 1: you when I when I when I'm in my purpose 436 00:22:26,920 --> 00:22:29,399 Speaker 1: and the income is matching the impact, I get the 437 00:22:29,440 --> 00:22:33,159 Speaker 1: impact more. And so it's that motivation, Pizzas that'd be 438 00:22:33,240 --> 00:22:36,120 Speaker 1: very necessary, and it's very By the way, I don't 439 00:22:36,200 --> 00:22:39,639 Speaker 1: drink off for either. I don't drink tea called not 440 00:22:39,760 --> 00:22:42,199 Speaker 1: because I just don't like the taste. People do it. 441 00:22:42,320 --> 00:22:45,639 Speaker 1: I'm proud of you so so because again it's my 442 00:22:46,040 --> 00:22:48,040 Speaker 1: I get up because my body tell me to get up. 443 00:22:48,240 --> 00:22:50,199 Speaker 1: But I always tell people this is is the reason I 444 00:22:50,200 --> 00:22:52,199 Speaker 1: get up, because I have a reason to get up. 445 00:22:52,440 --> 00:22:54,120 Speaker 1: A lot of people just go to bed ash They're 446 00:22:54,119 --> 00:22:56,840 Speaker 1: just dive in bed and and then and then when 447 00:22:56,880 --> 00:22:58,960 Speaker 1: the love go off, they're mad or they don't know. 448 00:22:59,160 --> 00:23:01,800 Speaker 1: But when that long going of what drags me out 449 00:23:01,800 --> 00:23:03,920 Speaker 1: of bed is that I know what I have to do, 450 00:23:04,200 --> 00:23:07,600 Speaker 1: and it's boy planning for success and about putting forth 451 00:23:07,640 --> 00:23:09,560 Speaker 1: that effort. And so when you, like you said with 452 00:23:09,640 --> 00:23:12,360 Speaker 1: biggest say more money and more problems, all he's saying is, look, 453 00:23:12,720 --> 00:23:14,800 Speaker 1: you can get more money, which means that you're gonna 454 00:23:14,800 --> 00:23:16,480 Speaker 1: have to put more effort on what you're gonna do 455 00:23:16,560 --> 00:23:18,840 Speaker 1: with it. And that's what this conversation that we're having 456 00:23:18,920 --> 00:23:21,760 Speaker 1: is about effort. Everybody wants to be a great athlete, 457 00:23:21,920 --> 00:23:24,960 Speaker 1: everybody wants to be a great singer. Everybody wants to 458 00:23:24,960 --> 00:23:28,760 Speaker 1: be rich, everybody wants a big house taxes come with that, 459 00:23:28,960 --> 00:23:32,240 Speaker 1: electrical bills come with that, gas, all of its much more. 460 00:23:32,560 --> 00:23:35,240 Speaker 1: You know. I remember when I was reading John Sally 461 00:23:35,280 --> 00:23:36,800 Speaker 1: when he had his house. He bought the big house 462 00:23:36,840 --> 00:23:39,760 Speaker 1: in Detroit. He said he had like a seventeen thousand 463 00:23:39,800 --> 00:23:43,440 Speaker 1: dollars electric bill. Guess what, he bought a big house 464 00:23:43,520 --> 00:23:45,560 Speaker 1: that who came with it? He kept the lights on. 465 00:23:45,920 --> 00:23:48,560 Speaker 1: He all those bad rooms have to be. All that 466 00:23:48,560 --> 00:23:51,200 Speaker 1: stuff come with it. And that's what more money, more problems. 467 00:23:51,440 --> 00:23:54,360 Speaker 1: As a motivator, what do you what do you tell 468 00:23:54,440 --> 00:23:57,640 Speaker 1: people who get frustrated when the dream isn't what they 469 00:23:57,680 --> 00:24:01,480 Speaker 1: thought it would be when they arrived. Yeah, I think 470 00:24:01,520 --> 00:24:03,800 Speaker 1: I think that. So the first thing I tell them, 471 00:24:04,119 --> 00:24:07,520 Speaker 1: uh is be gratefool, be grateful that you know that 472 00:24:07,560 --> 00:24:10,600 Speaker 1: this is this isn't what you want, right it is. 473 00:24:10,680 --> 00:24:13,400 Speaker 1: It is as important to know what you don't want 474 00:24:13,760 --> 00:24:15,640 Speaker 1: as it is to know what you do want, right 475 00:24:15,840 --> 00:24:17,879 Speaker 1: because knowing what you don't want will get you to 476 00:24:18,000 --> 00:24:20,760 Speaker 1: what you want faster. There are many things that that 477 00:24:20,960 --> 00:24:23,400 Speaker 1: I thought I wanted. I was like, oh this is oh, 478 00:24:23,440 --> 00:24:26,160 Speaker 1: this is it. I'm gonna put my blood, sweat and tears, 479 00:24:26,359 --> 00:24:28,400 Speaker 1: and then I get to this destination and I'm like, oh, 480 00:24:28,440 --> 00:24:32,360 Speaker 1: that's it. But but now it kind of it kind 481 00:24:32,359 --> 00:24:34,200 Speaker 1: of weeds out all of the all of the all 482 00:24:34,240 --> 00:24:36,320 Speaker 1: of the things. And so I don't I don't um, 483 00:24:36,400 --> 00:24:38,320 Speaker 1: you know, I don't think it's a loss. Right. A 484 00:24:38,440 --> 00:24:40,800 Speaker 1: loss isn't a loss, it's a lesson, right, and so 485 00:24:40,840 --> 00:24:43,000 Speaker 1: it's not a loss. It's really a lesson. And so 486 00:24:43,080 --> 00:24:46,000 Speaker 1: for those who get frustrated, I think I think frustration, 487 00:24:46,480 --> 00:24:50,240 Speaker 1: uh is a great tool if you use it right, right, 488 00:24:50,440 --> 00:24:53,440 Speaker 1: Because some people use frustration as a way to stop. 489 00:24:53,840 --> 00:24:56,080 Speaker 1: Some people use frustration as a way to give up. 490 00:24:56,320 --> 00:24:58,360 Speaker 1: Some people use frustration to say, you know what, I'm 491 00:24:58,400 --> 00:25:00,399 Speaker 1: not doing this no more. But you need to know 492 00:25:00,560 --> 00:25:03,640 Speaker 1: you have to use frustration as a barometer, right, I'll 493 00:25:03,680 --> 00:25:07,200 Speaker 1: give I'll give your example. If you ever are driving 494 00:25:07,320 --> 00:25:11,680 Speaker 1: late night on any any highway, right and for whatever reasons, 495 00:25:11,960 --> 00:25:15,240 Speaker 1: you get tired and you start veering left, what's gonna happen. 496 00:25:15,560 --> 00:25:18,440 Speaker 1: You're gonna You're gonna run across those ridgets in the road. 497 00:25:18,640 --> 00:25:20,960 Speaker 1: It's gonna wake you up. It's gonna make that noise, 498 00:25:21,080 --> 00:25:24,080 Speaker 1: it's gonna wake you up. Imagine if the ridges weren't there, 499 00:25:24,119 --> 00:25:27,440 Speaker 1: the ridges weren't there, You'll probably hit the divider, You'll 500 00:25:27,480 --> 00:25:30,760 Speaker 1: you'll swirl around, your cause a bad accident. And so 501 00:25:30,960 --> 00:25:33,199 Speaker 1: those ridgets on the side. When you get tired and 502 00:25:33,240 --> 00:25:36,160 Speaker 1: you start you start veering left or veering right, it's 503 00:25:36,160 --> 00:25:37,880 Speaker 1: a it's a it's a wake up call. It's like, yo, 504 00:25:37,920 --> 00:25:41,000 Speaker 1: wake up, you you you gotta get up. You're about 505 00:25:41,000 --> 00:25:45,399 Speaker 1: the crash. Frustration Is that negative negativity, right, negative feelings? 506 00:25:45,520 --> 00:25:48,080 Speaker 1: It's that, it's not it's it's not for you to 507 00:25:48,119 --> 00:25:50,919 Speaker 1: scoff at it. It is a it is a barometer. 508 00:25:51,160 --> 00:25:54,120 Speaker 1: When you start doing something, you start to get frustrated 509 00:25:54,320 --> 00:25:57,080 Speaker 1: and you're like, I hate this, then just don't stop. 510 00:25:57,440 --> 00:25:59,600 Speaker 1: Just take it as a sign that you need to 511 00:25:59,600 --> 00:26:03,639 Speaker 1: read that the negativity, that negative feeling that you have 512 00:26:04,320 --> 00:26:08,000 Speaker 1: is telling you that you are on the wrong track. 513 00:26:08,440 --> 00:26:10,640 Speaker 1: And now you gotta figure out how do I how 514 00:26:10,640 --> 00:26:12,320 Speaker 1: do I go back to the middle, How do I 515 00:26:12,440 --> 00:26:14,639 Speaker 1: go back to this road? So I could go in 516 00:26:14,440 --> 00:26:16,359 Speaker 1: the in the direction I need to go. And so 517 00:26:16,440 --> 00:26:20,200 Speaker 1: anybody who's feeling frustration, good, good that you're frustrated. You 518 00:26:20,320 --> 00:26:22,639 Speaker 1: either care about this thing or is you're not supposed 519 00:26:22,680 --> 00:26:24,720 Speaker 1: to be doing it. So now take a step back. 520 00:26:25,119 --> 00:26:29,160 Speaker 1: Analyze why are you frustrated? How can you release this frustration? 521 00:26:29,480 --> 00:26:31,919 Speaker 1: And and and what should you be doing? Because now 522 00:26:32,000 --> 00:26:33,960 Speaker 1: that you know what you don't want to do or 523 00:26:34,040 --> 00:26:35,760 Speaker 1: don't like to do, what are the things that you 524 00:26:35,800 --> 00:26:39,040 Speaker 1: should be doing. Yeah, it's two things. Thank you for that. 525 00:26:39,040 --> 00:26:40,840 Speaker 1: That the blessing. I'm gonna I'm gonna take that little 526 00:26:40,840 --> 00:26:43,679 Speaker 1: clip out and put it on my social and promote you, 527 00:26:43,800 --> 00:26:46,119 Speaker 1: my brother. But the other ways you're promoting yourself. You 528 00:26:46,119 --> 00:26:48,520 Speaker 1: have the Ash Cash Show or Daily Life financial news 529 00:26:48,520 --> 00:26:51,600 Speaker 1: show with streams money through Friday eight am the nine 530 00:26:51,720 --> 00:26:54,840 Speaker 1: am Eastern Standard type on your YouTube channel and it 531 00:26:54,880 --> 00:26:57,560 Speaker 1: provides what we just hearing, motivation and advice on finance, 532 00:26:57,720 --> 00:27:00,399 Speaker 1: entrepreneurship and more. And then I reachingly a here on 533 00:27:00,520 --> 00:27:04,840 Speaker 1: the vault with Ash Cast with Outtown and Labels stepped 534 00:27:04,880 --> 00:27:08,200 Speaker 1: in and with the crew where he speaks for successful 535 00:27:08,240 --> 00:27:11,840 Speaker 1: taste makers and entrepreneurs on their mindset. When you started 536 00:27:11,840 --> 00:27:17,080 Speaker 1: tapping into my mindset? What was your work away? Yeah? Man, 537 00:27:17,160 --> 00:27:19,480 Speaker 1: so so it was first of all, it was a classic. 538 00:27:19,520 --> 00:27:22,080 Speaker 1: It was an honor to even just be in your 539 00:27:22,080 --> 00:27:24,440 Speaker 1: presence because you know, as I said on the show, 540 00:27:24,520 --> 00:27:27,639 Speaker 1: there was so there was so much I'm always the 541 00:27:27,680 --> 00:27:30,119 Speaker 1: behind the scenes guy, like, right, what what's making this? 542 00:27:30,240 --> 00:27:33,040 Speaker 1: What's making this tick? Um? But when I started tapping 543 00:27:33,040 --> 00:27:36,080 Speaker 1: into your mindset, the one thing that that stood out 544 00:27:36,119 --> 00:27:39,280 Speaker 1: to me, um, is that it was your resilience, right, 545 00:27:39,480 --> 00:27:44,760 Speaker 1: was your ability to not allow nothing, honestly, right, nothing 546 00:27:44,840 --> 00:27:47,920 Speaker 1: to to stop you. That you set a goal, right, 547 00:27:48,040 --> 00:27:50,320 Speaker 1: and you see the vision for that goal, and you 548 00:27:50,359 --> 00:27:54,320 Speaker 1: go after that goal regardless, right, even when they're obstacles. 549 00:27:54,359 --> 00:27:57,040 Speaker 1: Because you've had a lot of obstacles in your life. 550 00:27:57,040 --> 00:28:00,600 Speaker 1: There were things that the normal person and I'm using 551 00:28:00,680 --> 00:28:03,879 Speaker 1: normal as a you know, just after word, right, the 552 00:28:03,920 --> 00:28:09,320 Speaker 1: normal person would have given up, given the obstacles, given 553 00:28:09,359 --> 00:28:11,880 Speaker 1: the things that that have happened in your life. Um. 554 00:28:12,000 --> 00:28:14,440 Speaker 1: But but but but but your mindset, you know, I 555 00:28:14,640 --> 00:28:17,280 Speaker 1: don't even think you understand what given up means, to 556 00:28:17,320 --> 00:28:20,480 Speaker 1: be honest, right, because that there were even moments in 557 00:28:20,520 --> 00:28:23,600 Speaker 1: our interview that you said something that that the normal 558 00:28:23,680 --> 00:28:27,760 Speaker 1: persons would have been more emotionally attached to it, like, 559 00:28:28,080 --> 00:28:30,920 Speaker 1: oh this happened, right? But but she was like, oh yeah, yeah, 560 00:28:30,960 --> 00:28:33,000 Speaker 1: it was just that, you know, and I was like 561 00:28:33,080 --> 00:28:35,879 Speaker 1: WHOA like again? So so I think I think I 562 00:28:35,880 --> 00:28:39,360 Speaker 1: think that mindset of um, you know, you know, you 563 00:28:39,400 --> 00:28:43,800 Speaker 1: know resiliency that I know that the goal is this, 564 00:28:44,200 --> 00:28:47,000 Speaker 1: and I know on my way to that goal, they're 565 00:28:47,040 --> 00:28:50,120 Speaker 1: gonna be some some obstacles. They're gonna be some roadblocks, 566 00:28:50,120 --> 00:28:52,080 Speaker 1: they're gonna be some dechoyes, They're gonna be some things. 567 00:28:52,280 --> 00:28:54,959 Speaker 1: But that's not gonna stop me. That's actually right, Like 568 00:28:55,040 --> 00:28:58,240 Speaker 1: failure is actually part of success. That's what guys that 569 00:28:58,240 --> 00:29:01,480 Speaker 1: that that that the failures, the road blocks, the things 570 00:29:01,520 --> 00:29:04,640 Speaker 1: that you might stumble on a part of your role 571 00:29:04,680 --> 00:29:08,120 Speaker 1: to successful. Resiliency is that word that I would definitely 572 00:29:08,120 --> 00:29:10,200 Speaker 1: attribute to you. Well, thank you all. You know. The 573 00:29:10,240 --> 00:29:14,240 Speaker 1: beauty of you is that uh my, my blessing is 574 00:29:14,280 --> 00:29:18,560 Speaker 1: that meeting people who um make me better and being 575 00:29:18,640 --> 00:29:21,840 Speaker 1: interviewed value, sitting around your crew, I walked away a 576 00:29:21,880 --> 00:29:25,960 Speaker 1: better person, a better leader. Uh. Motivation because sometimes you 577 00:29:25,960 --> 00:29:28,200 Speaker 1: get trapped into rhythms. And that's why I always tell 578 00:29:28,240 --> 00:29:30,440 Speaker 1: people to experience. Why people tell you to go on vacation, 579 00:29:31,000 --> 00:29:33,840 Speaker 1: So go to different destinations so you can see things. 580 00:29:33,920 --> 00:29:36,680 Speaker 1: And it's uh, either frustrate you, which I love that 581 00:29:36,720 --> 00:29:38,520 Speaker 1: because I love two words that you stalked over one 582 00:29:38,520 --> 00:29:41,280 Speaker 1: word you say. Frustration that people don't understand the value 583 00:29:41,320 --> 00:29:44,320 Speaker 1: of that. Selfishness. On my side, people don't understand the 584 00:29:44,360 --> 00:29:46,400 Speaker 1: value that because they take it negative and to too 585 00:29:46,560 --> 00:29:50,200 Speaker 1: negative words. Frustration and selfishness were really those are the 586 00:29:50,240 --> 00:29:54,680 Speaker 1: keys toss of success because you selfishness is denying yourself 587 00:29:54,920 --> 00:29:57,400 Speaker 1: and taking advantage of every every hour in the twenty 588 00:29:57,480 --> 00:30:00,560 Speaker 1: four hours. That's selfishness. Say man, look, if I gotta 589 00:30:00,560 --> 00:30:03,680 Speaker 1: get it done, I gotta get it done. That's overcoming 590 00:30:03,760 --> 00:30:06,040 Speaker 1: the frustration. And most people say I can't get it 591 00:30:06,040 --> 00:30:08,920 Speaker 1: done because I don't have enough time. I never understood 592 00:30:08,960 --> 00:30:11,400 Speaker 1: what that meant. Not enough time? Are you awake? Do 593 00:30:11,480 --> 00:30:13,400 Speaker 1: you have your help? God bless you to get up? 594 00:30:13,520 --> 00:30:15,960 Speaker 1: You have enough time? Set some goals and what we 595 00:30:15,960 --> 00:30:17,960 Speaker 1: did done. But the one number one thing about it, 596 00:30:18,040 --> 00:30:20,360 Speaker 1: and that's why I'm recommending people to, you know, just 597 00:30:20,760 --> 00:30:23,280 Speaker 1: see your your show The Strange Money through Friday eight 598 00:30:23,320 --> 00:30:26,440 Speaker 1: am to not not Eastern Standard time on your YouTube 599 00:30:26,440 --> 00:30:28,560 Speaker 1: town the Ash Cash Show. I'm gonna put that in 600 00:30:28,640 --> 00:30:31,200 Speaker 1: my newsletter. In fact, what I'm gonna do, I'm gonna 601 00:30:31,200 --> 00:30:33,400 Speaker 1: get with you because I got these little links I'd 602 00:30:33,400 --> 00:30:35,840 Speaker 1: like to drop on my social media and send people 603 00:30:35,840 --> 00:30:38,320 Speaker 1: can send you questions and let it drop into your 604 00:30:38,560 --> 00:30:40,760 Speaker 1: drop box and then you can see it and just 605 00:30:40,800 --> 00:30:44,000 Speaker 1: see how you're affecting people asked, because you're an important 606 00:30:44,080 --> 00:30:48,320 Speaker 1: individual in our society. You're nonstopping. I complimented about you 607 00:30:48,400 --> 00:30:52,280 Speaker 1: and being the biggie smallest of financial motivation was as 608 00:30:52,320 --> 00:30:54,680 Speaker 1: as ultimate compliments I can get because you you got 609 00:30:54,680 --> 00:30:58,240 Speaker 1: the lyrics, and the lyrics is financial literacy. And if 610 00:30:58,280 --> 00:31:00,800 Speaker 1: somebody is speaking it, they say, coming off the dome 611 00:31:00,920 --> 00:31:04,000 Speaker 1: as you are in financial lives, to take that crowd, baby, 612 00:31:04,240 --> 00:31:08,360 Speaker 1: where to the right, like beg your headed. Absolutely I 613 00:31:08,400 --> 00:31:11,120 Speaker 1: appreciate that. It's like, so what's the future for you? 614 00:31:11,160 --> 00:31:12,760 Speaker 1: Let's let's wrap it up and let's talk about what's 615 00:31:12,760 --> 00:31:15,320 Speaker 1: your what's your future? Next step goes I mean, I 616 00:31:15,360 --> 00:31:19,520 Speaker 1: mean the future. The future. The future was uh Emmy 617 00:31:19,560 --> 00:31:23,240 Speaker 1: Award talk show. But now the future is he guy right, 618 00:31:23,280 --> 00:31:27,880 Speaker 1: if you know, you know here is Amy, Uh you 619 00:31:27,920 --> 00:31:34,640 Speaker 1: know Tony the future is the Grammy the Futures of Oscar, 620 00:31:34,640 --> 00:31:37,120 Speaker 1: the futures and Tony and and you know courtesy of 621 00:31:37,680 --> 00:31:41,320 Speaker 1: ras Sean McDonald. So I received that. Um, but yeah, 622 00:31:41,640 --> 00:31:44,240 Speaker 1: you know, the future is really for me. Um, just 623 00:31:44,680 --> 00:31:47,880 Speaker 1: continuing to do what I do every single day, but 624 00:31:48,000 --> 00:31:50,240 Speaker 1: just on the higher level, right, And so that that's 625 00:31:50,240 --> 00:31:52,960 Speaker 1: the beauty of you know what I do. I have 626 00:31:53,080 --> 00:31:56,360 Speaker 1: eight books that I've read. I'm writing more books. Um, 627 00:31:56,520 --> 00:31:58,720 Speaker 1: you know, I have a daily finance show. I have 628 00:31:58,880 --> 00:32:02,360 Speaker 1: Inside the Vault ash Cash, which is a podcast. Um. 629 00:32:02,480 --> 00:32:04,080 Speaker 1: You know. The goal is that it's just it's just 630 00:32:04,160 --> 00:32:07,120 Speaker 1: to continue and reach more people. And so you know, 631 00:32:07,160 --> 00:32:09,440 Speaker 1: I'm I might have to reach other hundred thousand or 632 00:32:09,440 --> 00:32:11,760 Speaker 1: a million people, but how do I have How do 633 00:32:11,840 --> 00:32:15,280 Speaker 1: I get that reach of millions? Yeah, so it's just 634 00:32:15,320 --> 00:32:17,680 Speaker 1: to continue to do the same thing I'm doing, but 635 00:32:17,760 --> 00:32:19,720 Speaker 1: on a on a larger scale. Well, you know, I 636 00:32:19,720 --> 00:32:22,080 Speaker 1: remember a couple of years ago, a guy came in 637 00:32:22,200 --> 00:32:24,680 Speaker 1: with interviewing me. He said, Man, you're gonna feel stadiums. 638 00:32:26,360 --> 00:32:29,080 Speaker 1: He said, you what you say, You're going to feel stadiums. 639 00:32:29,080 --> 00:32:30,760 Speaker 1: And I'm gonna tell you this, Ash, when I feel 640 00:32:30,760 --> 00:32:33,400 Speaker 1: that stadium, You're gonna be on stage with me. Brother. 641 00:32:33,440 --> 00:32:37,200 Speaker 1: That's how much I respect you. Uh. You know, I 642 00:32:37,280 --> 00:32:40,600 Speaker 1: see as a younger version of me with with different 643 00:32:40,640 --> 00:32:42,840 Speaker 1: goals that are that are working for you, and I 644 00:32:42,880 --> 00:32:45,400 Speaker 1: want them to be different from mine. But more importantly, 645 00:32:45,440 --> 00:32:48,440 Speaker 1: I want to share you in any platform that somebody says, 646 00:32:48,760 --> 00:32:50,600 Speaker 1: who do you want else on the show? I understand 647 00:32:50,600 --> 00:32:52,960 Speaker 1: you're gonna get a call from me, Ash, because man, 648 00:32:53,040 --> 00:32:55,840 Speaker 1: you you you're be stud and I love you for that. 649 00:32:55,960 --> 00:32:58,440 Speaker 1: I love your team, I love what you're doing. Man, 650 00:32:58,560 --> 00:33:00,720 Speaker 1: if you ever need me for anything, I always know 651 00:33:01,160 --> 00:33:06,080 Speaker 1: I'm coming without hesitation. That means that means a lot 652 00:33:06,120 --> 00:33:09,840 Speaker 1: because you because you you you were on the mentorship 653 00:33:10,040 --> 00:33:12,600 Speaker 1: list as well, so you were with somebody that was 654 00:33:12,640 --> 00:33:14,560 Speaker 1: a mentor to me. You know, I think I told 655 00:33:14,560 --> 00:33:16,760 Speaker 1: you this, but uh, you know when when when back 656 00:33:16,800 --> 00:33:20,200 Speaker 1: into Steve Harvey WBLS days, Like when when any time 657 00:33:20,200 --> 00:33:23,080 Speaker 1: I went in that building, Roshan McDonald was the name. 658 00:33:23,400 --> 00:33:25,680 Speaker 1: It rung bells in that building and I was like, 659 00:33:25,720 --> 00:33:28,120 Speaker 1: who is this for? Sean McDonald guy? And when I 660 00:33:28,120 --> 00:33:32,400 Speaker 1: looked you up, I said, oh, he's the guy. And 661 00:33:32,480 --> 00:33:36,000 Speaker 1: just from a manifestation perspective, right, just like thoughts become 662 00:33:36,080 --> 00:33:39,640 Speaker 1: things because you know, now you've been on my show, 663 00:33:39,760 --> 00:33:43,000 Speaker 1: I'm on your show. You know what you've just you know, 664 00:33:43,080 --> 00:33:47,560 Speaker 1: the help that you've just offered up, that's literally you 665 00:33:47,560 --> 00:33:50,200 Speaker 1: know you were once a mentor to me that I 666 00:33:50,400 --> 00:33:53,680 Speaker 1: that I didn't have access to and now I'm I'm vibrating. 667 00:33:53,680 --> 00:33:56,800 Speaker 1: I'm in an energetic alignment with Rashan McDonald And now 668 00:33:57,160 --> 00:33:59,240 Speaker 1: you know I can have you as a real mentor 669 00:33:59,680 --> 00:34:02,560 Speaker 1: for it's as cash one. Thank you for coming on 670 00:34:02,600 --> 00:34:05,440 Speaker 1: money Making Conversation, my man, Thank you, thank you. I 671 00:34:05,480 --> 00:34:07,440 Speaker 1: appreciate you. Cool. If you want to hear more money 672 00:34:07,440 --> 00:34:10,440 Speaker 1: Making Conversation, I'll see more moneming conversation interviews. Please go 673 00:34:10,520 --> 00:34:13,120 Speaker 1: to money Making Conversation dot com. I asked subscribe to 674 00:34:13,160 --> 00:34:16,360 Speaker 1: my YouTube channel. I was Sean McDonald. I am your host. 675 00:34:16,600 --> 00:34:19,319 Speaker 1: In this season of giving, Coals has gifts for all 676 00:34:19,360 --> 00:34:21,960 Speaker 1: your loved ones. For those who like to keep it cozy, 677 00:34:22,160 --> 00:34:26,840 Speaker 1: find fleeces, sweaters, loungeware, blankets and throws, or support minority 678 00:34:26,840 --> 00:34:30,000 Speaker 1: owned or founded brands by giving gifts from Human Nation 679 00:34:30,160 --> 00:34:33,600 Speaker 1: and Shame Moisture and in the spirit of giving, Coals 680 00:34:33,640 --> 00:34:38,120 Speaker 1: Cares is donating eight million dollars to local nonprofits nationwide. 681 00:34:38,400 --> 00:34:40,880 Speaker 1: Give with all your heart this season with great gifts 682 00:34:40,920 --> 00:34:45,799 Speaker 1: from Coals or Coals dot Com. You're coming to bed hunt, yep, honey, 683 00:34:45,520 --> 00:34:47,480 Speaker 1: I'll be right there. Just gotta turn out the light. 684 00:34:48,920 --> 00:34:58,280 Speaker 1: Oh oh, some thing's never change, like your kids always 685 00:34:58,320 --> 00:35:00,840 Speaker 1: leaving tiny toys on the or for you to step 686 00:35:00,880 --> 00:35:04,000 Speaker 1: on and gango saving folks lots of money on their 687 00:35:04,000 --> 00:35:08,520 Speaker 1: car insurts. Sweetie, I think I left the downstairs light on. 688 00:35:09,239 --> 00:35:11,719 Speaker 1: Please don't make me go. Fifteen minutes could save you 689 00:35:12,680 --> 00:35:24,720 Speaker 1: or more. Mama, what does the chicken say? Uh? Draft draft, 690 00:35:24,719 --> 00:35:28,399 Speaker 1: Reilly giraff draft. You're not gonna get it all right. 691 00:35:28,560 --> 00:35:30,520 Speaker 1: Just make sure you know the big stuff, like making 692 00:35:30,520 --> 00:35:32,600 Speaker 1: sure your kids are buckled correctly in the right seat 693 00:35:32,640 --> 00:35:35,799 Speaker 1: for their agent's eyes. Get it right visits n h 694 00:35:36,400 --> 00:35:39,880 Speaker 1: S a dot gov slash the Right Seat brought to 695 00:35:39,920 --> 00:35:42,520 Speaker 1: you by the National Highway Traffic Safety Administration in the 696 00:35:42,560 --> 00:35:43,160 Speaker 1: ad Council