1 00:00:05,120 --> 00:00:07,920 Speaker 1: Welcome to the show. I am Rashan McDonald, the host 2 00:00:08,000 --> 00:00:11,680 Speaker 1: of Money Making Conversations Masterclass, where we encourage people to 3 00:00:11,680 --> 00:00:15,440 Speaker 1: stop reading other people's success stories and start planning their own. 4 00:00:16,040 --> 00:00:19,480 Speaker 1: Listen up as I interview entrepreneurs from around the country, 5 00:00:19,720 --> 00:00:22,600 Speaker 1: talk to celebrities and ask them how they are running 6 00:00:22,640 --> 00:00:25,480 Speaker 1: their companies, and speak with god profits who are making 7 00:00:25,520 --> 00:00:28,560 Speaker 1: a difference in their local communities. Now, sit back and 8 00:00:28,600 --> 00:00:31,680 Speaker 1: listen as we unlock the secrets to their success on 9 00:00:31,800 --> 00:00:36,320 Speaker 1: Money Making Conversations Masterclass. Hi, I am Rashan McDonald. I 10 00:00:36,400 --> 00:00:39,440 Speaker 1: host this weekly Money Making Conversation Master Class show. The 11 00:00:39,520 --> 00:00:42,519 Speaker 1: interviews and information that this show provides are for everyone. 12 00:00:42,840 --> 00:00:45,559 Speaker 1: It's time to start reading other people's success stories and 13 00:00:45,680 --> 00:00:48,240 Speaker 1: start living your own. I'm here to help you reach 14 00:00:48,479 --> 00:00:52,360 Speaker 1: your American dream. My guests today are discussing how black 15 00:00:52,600 --> 00:00:56,360 Speaker 1: entrepreneurship is a solution to bridging the racial wealth gap. 16 00:00:57,160 --> 00:01:00,000 Speaker 1: One is a financial advisor and the others are Diversity 17 00:01:00,080 --> 00:01:04,480 Speaker 1: an inclusion specialist for Northwestern Mutual. The racial wealth gap 18 00:01:04,520 --> 00:01:08,200 Speaker 1: refers to the disparity and assets of typical households across 19 00:01:08,360 --> 00:01:12,039 Speaker 1: race and ethnicity. Please welcome to the show from north 20 00:01:12,080 --> 00:01:16,360 Speaker 1: Western Mutual. Alel Castro and Travis May Senior. Welcome to 21 00:01:16,400 --> 00:01:23,800 Speaker 1: Money Making Conversation Team. Thanks Travis, you are the financial advisor. Yes, sir, okay, 22 00:01:24,120 --> 00:01:26,560 Speaker 1: out of the box. I'm gonna tell you explain to 23 00:01:26,640 --> 00:01:29,800 Speaker 1: my audience what is the racial gap? I mentioned it 24 00:01:29,840 --> 00:01:32,440 Speaker 1: in a defined tone, but I'm sure when you're talking 25 00:01:32,440 --> 00:01:36,319 Speaker 1: to everyday people, it's not as a dictionary field. 26 00:01:37,240 --> 00:01:43,440 Speaker 2: Yeah. So the racial wealth gap is the difference between 27 00:01:46,080 --> 00:01:50,320 Speaker 2: the financial difference between where Black people are today and 28 00:01:50,440 --> 00:01:59,200 Speaker 2: where other communities of majority exist and operating today when 29 00:01:59,240 --> 00:02:03,720 Speaker 2: it comes to racial disparity or wealth disparity. To be honest, Rashan, 30 00:02:04,640 --> 00:02:09,040 Speaker 2: we use that term racial wealth gap. I don't necessarily 31 00:02:09,080 --> 00:02:14,359 Speaker 2: think that the racial wealth gap can be closed. That 32 00:02:14,440 --> 00:02:17,880 Speaker 2: would mean that those who are in the majority and 33 00:02:17,880 --> 00:02:20,080 Speaker 2: who have the wealth are going to stop doing what 34 00:02:20,120 --> 00:02:24,800 Speaker 2: they're doing to obtain the wealth. I do think, Rashon, 35 00:02:25,000 --> 00:02:28,880 Speaker 2: that in the Black community and African American community, that 36 00:02:29,480 --> 00:02:34,799 Speaker 2: we can make strides in closing that racial wealth gap disparity, 37 00:02:35,360 --> 00:02:39,640 Speaker 2: and basically what it is is, uh the lack of 38 00:02:39,680 --> 00:02:45,520 Speaker 2: resources that are available to us as African Americans. Financial resources, 39 00:02:45,880 --> 00:02:51,640 Speaker 2: educational resources, all of these things play a major role 40 00:02:51,840 --> 00:02:55,960 Speaker 2: in our ability to move up the ladder and when 41 00:02:56,040 --> 00:02:59,920 Speaker 2: it when it comes to finances and you know, pass 42 00:03:00,200 --> 00:03:03,680 Speaker 2: generational weve down from one generation to the next, you. 43 00:03:03,600 --> 00:03:05,919 Speaker 1: Know, because you know, thank you for that update. Because 44 00:03:06,040 --> 00:03:08,239 Speaker 1: there are a lot of bug buzzwords generational wealth. I 45 00:03:08,280 --> 00:03:11,120 Speaker 1: hear that a lot on this show, the racial wealth gap. 46 00:03:11,160 --> 00:03:13,840 Speaker 1: The head on the show now three words, I hear 47 00:03:13,880 --> 00:03:17,240 Speaker 1: a lot on this show, Miss Castro. Diversity Equity and 48 00:03:17,320 --> 00:03:21,480 Speaker 1: Inclusion DEI, which has been under a tremendous amount of 49 00:03:22,280 --> 00:03:28,560 Speaker 1: political attacks, community attacks. It made it very racial when 50 00:03:28,600 --> 00:03:32,640 Speaker 1: it comes to even the vice president has been called 51 00:03:32,760 --> 00:03:37,680 Speaker 1: adi placement and her role as vice president? What is 52 00:03:37,680 --> 00:03:41,640 Speaker 1: your role? You are specialists? Explain to us. Maybe I'm 53 00:03:41,640 --> 00:03:44,120 Speaker 1: not asking you to tell us why it's under attack, 54 00:03:44,560 --> 00:03:48,080 Speaker 1: but what are the necessary needs of having your role 55 00:03:48,240 --> 00:03:50,880 Speaker 1: or having a specialist at a company for DEI? 56 00:03:51,400 --> 00:03:57,600 Speaker 3: Absolutely so, diversity, equity and inclusion is very important for 57 00:03:58,080 --> 00:04:01,960 Speaker 3: businesses to match the communities for which they sit in 58 00:04:02,160 --> 00:04:05,240 Speaker 3: and which they serve. So that is the core focus 59 00:04:05,280 --> 00:04:08,000 Speaker 3: of the work that I do. The great thing about 60 00:04:08,120 --> 00:04:13,640 Speaker 3: Northwestern Mutual is we have doubled down on DEI in 61 00:04:13,680 --> 00:04:16,280 Speaker 3: a time where a lot of companies are pulling back 62 00:04:16,839 --> 00:04:21,440 Speaker 3: out of fear of cancel culture, out of fear of 63 00:04:21,880 --> 00:04:27,159 Speaker 3: any sort of negative connotation with doing work that includes 64 00:04:27,360 --> 00:04:29,760 Speaker 3: people who may not look like the people who sit 65 00:04:29,800 --> 00:04:32,800 Speaker 3: at the tops of these boards or who run these businesses. 66 00:04:33,480 --> 00:04:36,920 Speaker 3: So I'm just blessed to be at a company that 67 00:04:37,160 --> 00:04:42,040 Speaker 3: has supported DEI efforts and has really doubled down at 68 00:04:42,080 --> 00:04:45,360 Speaker 3: a time where we were where we have started going backwards. 69 00:04:46,440 --> 00:04:48,279 Speaker 1: We really have And that's why I thought it was 70 00:04:48,320 --> 00:04:50,839 Speaker 1: important to have both of you guys, because basically in 71 00:04:50,880 --> 00:04:55,359 Speaker 1: this battle, it does involve you know, the Financial Advisor 72 00:04:55,880 --> 00:04:59,159 Speaker 1: brand awareness. Because you made an understatement traverse their racial 73 00:04:59,560 --> 00:05:01,760 Speaker 1: wealth gain, it's not going to close. Why would I 74 00:05:01,760 --> 00:05:03,640 Speaker 1: stop making money? Why would I just okay? And I'm 75 00:05:03,680 --> 00:05:06,000 Speaker 1: gonna give you opportunity to catch me. My goal is 76 00:05:06,000 --> 00:05:08,119 Speaker 1: to keep making money. I always tell people Bill Gates 77 00:05:08,200 --> 00:05:11,120 Speaker 1: is trying to get more billions. You know, Elon Munks 78 00:05:11,120 --> 00:05:13,800 Speaker 1: wants to be He wants to retain that title of 79 00:05:13,839 --> 00:05:15,839 Speaker 1: being the richest man in the world, which I would 80 00:05:15,880 --> 00:05:17,680 Speaker 1: like to have that title too. That means I got 81 00:05:17,720 --> 00:05:19,640 Speaker 1: a lot of work to do, and that means I'm 82 00:05:19,640 --> 00:05:22,560 Speaker 1: not gonna close that racial gap. Winning the lottery and 83 00:05:22,600 --> 00:05:27,640 Speaker 1: with that being said, entrepreneurship is not to me, it's 84 00:05:27,720 --> 00:05:32,080 Speaker 1: the laying. It's the lane of trying to change generational lifestyles. 85 00:05:32,160 --> 00:05:35,520 Speaker 1: Because you can't pass your job to your son. You 86 00:05:35,560 --> 00:05:38,880 Speaker 1: can't pass technically, you can't pass your job to your doctor, 87 00:05:38,960 --> 00:05:41,360 Speaker 1: your doctor. You can't just make your daughter be a 88 00:05:41,360 --> 00:05:43,520 Speaker 1: doctor or your son be a doctor, or your nephew 89 00:05:43,560 --> 00:05:46,080 Speaker 1: be a doctor. That's a learned crap. But if you 90 00:05:46,160 --> 00:05:49,839 Speaker 1: have a bakery, if you have a business, you can't 91 00:05:50,000 --> 00:05:53,800 Speaker 1: pass that business to someone in your family. Talk to 92 00:05:53,880 --> 00:05:55,919 Speaker 1: us about that traffsy, because I think that's very important. 93 00:05:56,000 --> 00:05:59,000 Speaker 1: We talking about just wealth building. That's what we want 94 00:05:59,000 --> 00:06:00,640 Speaker 1: to talk about in the show well building. 95 00:06:02,200 --> 00:06:05,159 Speaker 2: Yeah, I think it's important that in our community we 96 00:06:05,279 --> 00:06:11,880 Speaker 2: have those those success stories, in those staples to follow 97 00:06:13,000 --> 00:06:17,520 Speaker 2: successful black owned businesses service role models. They show the 98 00:06:17,560 --> 00:06:22,200 Speaker 2: younger generation that, you know, financial independence is possible, and 99 00:06:22,240 --> 00:06:26,200 Speaker 2: so they provide the real examples of wealth creation which 100 00:06:26,720 --> 00:06:32,039 Speaker 2: foster that culture of entrepreneurship and empowerment. And so I 101 00:06:32,080 --> 00:06:37,279 Speaker 2: think it's really important that first and foremost we got 102 00:06:37,279 --> 00:06:41,560 Speaker 2: to read and get educated as a culture. You know 103 00:06:41,600 --> 00:06:42,880 Speaker 2: what they say, if you want to hire something from 104 00:06:42,880 --> 00:06:44,320 Speaker 2: a black man, you got to put it in a book. 105 00:06:44,920 --> 00:06:48,880 Speaker 2: And so the long term wealth building requires a combination 106 00:06:49,040 --> 00:06:54,640 Speaker 2: of access to capital. It requires ongoing mentorship and a 107 00:06:54,720 --> 00:06:58,400 Speaker 2: prioritization as you say with Sean of financial planning at 108 00:06:58,440 --> 00:07:02,520 Speaker 2: every stage in life, not just in one stage or another. 109 00:07:04,400 --> 00:07:10,000 Speaker 2: And so that's that's one thing that entrepreneurship helps helps 110 00:07:10,040 --> 00:07:14,840 Speaker 2: us accomplish in our community, right is that transition of assets, 111 00:07:14,880 --> 00:07:17,400 Speaker 2: That transition of I mean that that that passing down 112 00:07:17,480 --> 00:07:21,800 Speaker 2: of businesses and other assets that can help us thrive 113 00:07:21,840 --> 00:07:22,360 Speaker 2: in the future. 114 00:07:22,720 --> 00:07:25,120 Speaker 1: Well, you know, it's really interesting because I've been involved 115 00:07:25,160 --> 00:07:27,920 Speaker 1: in small business uplift I like to call it with 116 00:07:28,360 --> 00:07:30,800 Speaker 1: you know, just to do the Neighborhood Awards was Steve Harrier, 117 00:07:30,880 --> 00:07:34,080 Speaker 1: where we will promote local business whether you was uh, 118 00:07:34,160 --> 00:07:38,360 Speaker 1: you know, car wash owner, or high schools and churches 119 00:07:38,400 --> 00:07:42,640 Speaker 1: because all these feed into motivating change in the community. 120 00:07:43,160 --> 00:07:45,880 Speaker 1: And that's important when we see changing the community. And 121 00:07:45,920 --> 00:07:50,880 Speaker 1: when I talk to you, Ms. Catastrop, community voices because 122 00:07:50,920 --> 00:07:53,920 Speaker 1: you are community voice, like you just you really stood 123 00:07:53,960 --> 00:07:56,680 Speaker 1: up to reach out. We're not going anywhere. I love that. 124 00:07:56,960 --> 00:07:59,480 Speaker 1: I love you had a fire in your voice that 125 00:08:00,680 --> 00:08:03,280 Speaker 1: you are the attack. I'm telling those words that you 126 00:08:03,480 --> 00:08:07,280 Speaker 1: represent a one hundred percent been on attack. I've seen 127 00:08:07,360 --> 00:08:11,320 Speaker 1: the shift in my business. I am a minority owned business. 128 00:08:11,360 --> 00:08:14,240 Speaker 1: I've seen companies that had me at the front of 129 00:08:14,280 --> 00:08:17,440 Speaker 1: their plate. During the George Floyd I was eating off 130 00:08:17,440 --> 00:08:19,720 Speaker 1: that but I was eating big time girl, And then 131 00:08:19,720 --> 00:08:22,480 Speaker 1: all of a sudden, I've seen those portions in that 132 00:08:22,560 --> 00:08:26,160 Speaker 1: plate get smaller and smaller and smaller the further we've 133 00:08:26,160 --> 00:08:29,120 Speaker 1: gotten away from the George Floyd situation. 134 00:08:29,800 --> 00:08:32,959 Speaker 4: Please don't go anywhere. We'll be right back with more 135 00:08:33,040 --> 00:08:45,679 Speaker 4: money Making Conversations Masterclass. Welcome back to the Money Making 136 00:08:45,720 --> 00:08:51,439 Speaker 4: Conversations Masterclass, hosted by Rashaan McDonald. Money Making Conversations Masterclass 137 00:08:51,480 --> 00:08:56,120 Speaker 4: continues online at Moneymakingconversations dot com and follow money Making 138 00:08:56,120 --> 00:09:00,960 Speaker 4: Conversations Masterclass on Facebook, Twitter, and Instagram. 139 00:09:01,240 --> 00:09:04,559 Speaker 1: Now you said what you said, You're company Northwestern Mutual. 140 00:09:04,760 --> 00:09:07,720 Speaker 1: We're not going anywhere. How do you get that story 141 00:09:07,760 --> 00:09:08,480 Speaker 1: to the community. 142 00:09:09,120 --> 00:09:14,400 Speaker 3: Absolutely, I think doing events such as community conversations and 143 00:09:14,440 --> 00:09:19,000 Speaker 3: really explaining what Northwestern Mutual does from a brand perspective, 144 00:09:19,080 --> 00:09:23,240 Speaker 3: but also how we support our diverse advisors and our 145 00:09:23,280 --> 00:09:27,920 Speaker 3: diverse communities helps communicate that story right. So that was 146 00:09:28,040 --> 00:09:32,239 Speaker 3: born out of a strategic initiative that we call SARE internally, 147 00:09:32,600 --> 00:09:37,040 Speaker 3: which stands for Sustained Action for Racial Equity. This is 148 00:09:37,200 --> 00:09:42,440 Speaker 3: something that did begin around twenty twenty where our CEO 149 00:09:42,559 --> 00:09:44,720 Speaker 3: did make a statement saying that this is something that 150 00:09:44,760 --> 00:09:48,400 Speaker 3: we're going to invest in. The difference with our organization 151 00:09:48,640 --> 00:09:52,720 Speaker 3: is that he has continued to invest in it even 152 00:09:53,000 --> 00:09:57,120 Speaker 3: past the times of media coverage on social unrests and 153 00:09:57,200 --> 00:10:04,160 Speaker 3: social injustices. So this event was born out of that initiative, 154 00:10:04,240 --> 00:10:07,239 Speaker 3: as well as many others. We have an accelerator program, 155 00:10:07,400 --> 00:10:12,520 Speaker 3: we have mentorship programs, and we have strategic initiatives to 156 00:10:12,600 --> 00:10:17,959 Speaker 3: really get more involved in the black community and reinvesting 157 00:10:18,080 --> 00:10:19,079 Speaker 3: in the black community. 158 00:10:19,679 --> 00:10:22,520 Speaker 1: And you was referencing, and I want to stay on 159 00:10:22,559 --> 00:10:24,319 Speaker 1: her for a minute, mister May before I get back 160 00:10:24,320 --> 00:10:27,960 Speaker 1: to her, because this is where, you know, if I 161 00:10:28,000 --> 00:10:31,160 Speaker 1: get heated in this whole world of trying to make 162 00:10:31,200 --> 00:10:33,800 Speaker 1: a change in the Black community, it's in the DEI 163 00:10:34,200 --> 00:10:38,440 Speaker 1: because I see it being very racial. I see it 164 00:10:38,480 --> 00:10:41,760 Speaker 1: being it demeans us like we're asking for a handout. 165 00:10:41,920 --> 00:10:44,600 Speaker 1: And I say us because I'm an African American and 166 00:10:44,840 --> 00:10:49,000 Speaker 1: all I want is an equal opportunity to participate. That's 167 00:10:49,000 --> 00:10:53,079 Speaker 1: all I want a shot at participating. Now you mentioned 168 00:10:53,400 --> 00:10:58,079 Speaker 1: some programs, how does one access those programs at your 169 00:10:58,120 --> 00:11:02,199 Speaker 1: company as an individual as well as a corporation or 170 00:11:02,280 --> 00:11:03,840 Speaker 1: a small business. 171 00:11:05,080 --> 00:11:09,240 Speaker 3: I would highly suggest reaching out to your local Northwestern 172 00:11:09,360 --> 00:11:13,760 Speaker 3: Mutual office. So we operate off of network offices here 173 00:11:13,840 --> 00:11:17,839 Speaker 3: in Atlanta. We have two of them. I represent one 174 00:11:17,880 --> 00:11:21,880 Speaker 3: of them, called the Callaway Black Group. We sit in Finding, Georgia, 175 00:11:22,720 --> 00:11:27,360 Speaker 3: but our reach expands over all of Metro Atlanta. Reaching 176 00:11:27,400 --> 00:11:30,840 Speaker 3: out to us, letting us know what your career goals are, 177 00:11:31,080 --> 00:11:35,120 Speaker 3: whether you are looking to become an advisor, or you 178 00:11:35,200 --> 00:11:37,440 Speaker 3: are an entrepreneur and you're looking to pair with an 179 00:11:37,480 --> 00:11:40,600 Speaker 3: advisor to help you create a financial plan for your business. 180 00:11:41,840 --> 00:11:45,560 Speaker 3: Reaching out to us and seeing how we can partner 181 00:11:45,640 --> 00:11:48,560 Speaker 3: together to help you achieve your financial goals. It's really 182 00:11:48,600 --> 00:11:51,920 Speaker 3: that simple. I have had people reach out to me 183 00:11:51,960 --> 00:11:54,280 Speaker 3: on social media. I've had people reach out to me 184 00:11:54,520 --> 00:11:59,880 Speaker 3: out at events, you know, different client events and networking 185 00:12:00,040 --> 00:12:02,800 Speaker 3: events and asking me more about what we do. A 186 00:12:02,840 --> 00:12:04,800 Speaker 3: lot of times in the black community, when they hear 187 00:12:04,840 --> 00:12:08,840 Speaker 3: of Northwestern Mutual, they just think life insurance. They don't 188 00:12:08,920 --> 00:12:13,000 Speaker 3: understand that we do holistic financial planning. So we're so 189 00:12:13,120 --> 00:12:16,920 Speaker 3: much more than life insurance. We do planning, We do 190 00:12:17,120 --> 00:12:21,720 Speaker 3: community engagement and investment right back to the communities that 191 00:12:21,760 --> 00:12:25,400 Speaker 3: we sit in. So really just getting in contact with us, 192 00:12:25,679 --> 00:12:29,760 Speaker 3: your or your local network office to learn more about 193 00:12:29,760 --> 00:12:30,920 Speaker 3: how you can be a part of that. 194 00:12:31,720 --> 00:12:33,960 Speaker 1: Now, Travis, she said a key word that you brought 195 00:12:34,000 --> 00:12:37,920 Speaker 1: up earlier financial planning, because there's two words that really 196 00:12:38,760 --> 00:12:42,880 Speaker 1: in the small business community we forget is financial planning 197 00:12:43,000 --> 00:12:46,280 Speaker 1: and budget. We want to start a business, we got 198 00:12:46,280 --> 00:12:48,400 Speaker 1: a great idea, We're going to open the doors and 199 00:12:48,400 --> 00:12:51,280 Speaker 1: we automatically think the customer is going to come in, 200 00:12:51,760 --> 00:12:53,760 Speaker 1: or you go to the flee market and all your 201 00:12:53,800 --> 00:12:56,520 Speaker 1: products is going to be sold. There's no budget of 202 00:12:56,640 --> 00:12:59,400 Speaker 1: financial planning. Now, going back to you, that's what I'm 203 00:12:59,440 --> 00:13:02,320 Speaker 1: about between the two of y'all in this interview, because 204 00:13:02,320 --> 00:13:04,960 Speaker 1: each one of you kind of like explains why the 205 00:13:04,960 --> 00:13:07,480 Speaker 1: other one exists or the need for the other person. 206 00:13:07,559 --> 00:13:11,920 Speaker 1: Because I've contacted her, she's mentioned financial planning. I'm a 207 00:13:11,960 --> 00:13:14,640 Speaker 1: small business. Now I'm talking to you, Travis. You're going 208 00:13:14,679 --> 00:13:17,760 Speaker 1: to be at the event meeting people personally, but what 209 00:13:17,880 --> 00:13:20,719 Speaker 1: exactly is your role and explain in detail from the 210 00:13:20,840 --> 00:13:24,560 Speaker 1: financial side what Northwestern Mutual does. 211 00:13:25,720 --> 00:13:30,920 Speaker 2: Yeah, So I'll start by saying, when we're first introduced 212 00:13:30,920 --> 00:13:34,360 Speaker 2: to people, they tell us that they've done some great 213 00:13:34,360 --> 00:13:38,679 Speaker 2: planning already, all right, they have saved in retirement accounts, 214 00:13:38,679 --> 00:13:42,040 Speaker 2: they've invested money, they might even purchase some insurance at 215 00:13:42,040 --> 00:13:45,679 Speaker 2: some point. But even having done all of these things, 216 00:13:46,360 --> 00:13:49,079 Speaker 2: they will still look me in my eye and tell me, Travis, 217 00:13:49,480 --> 00:13:52,040 Speaker 2: I'm not really sure how these things are supposed to 218 00:13:52,080 --> 00:13:56,000 Speaker 2: tie together within a plan, or I'm not sure if 219 00:13:56,040 --> 00:13:59,520 Speaker 2: what I'm doing is enough. And what we find ra Sean, 220 00:13:59,640 --> 00:14:02,679 Speaker 2: is that it's most often because of time. Okay, most 221 00:14:02,720 --> 00:14:05,480 Speaker 2: people are working full time in their careers or their businesses. 222 00:14:05,520 --> 00:14:07,920 Speaker 2: I'm sure you can attest to that. And then they 223 00:14:07,960 --> 00:14:11,400 Speaker 2: also have families to grow and spend time with, and 224 00:14:11,440 --> 00:14:15,480 Speaker 2: so it's easy to understand how financial planning falls to 225 00:14:15,520 --> 00:14:18,160 Speaker 2: the bottom of the to do list and so and 226 00:14:18,240 --> 00:14:21,160 Speaker 2: seeing that so frequently, it's become the mission of my 227 00:14:21,200 --> 00:14:24,280 Speaker 2: practice to help people take a step off that treadmill 228 00:14:24,320 --> 00:14:28,680 Speaker 2: of life and to help them make active and conscious 229 00:14:28,720 --> 00:14:33,240 Speaker 2: and meaningful decisions around whatever they tell me is important 230 00:14:33,280 --> 00:14:35,880 Speaker 2: to them. And I like to use sports analogies with 231 00:14:35,960 --> 00:14:40,280 Speaker 2: Shaun when I'm describing how we do that, and so 232 00:14:40,440 --> 00:14:44,000 Speaker 2: we help people with their offensive and their defensive financial 233 00:14:44,360 --> 00:14:50,400 Speaker 2: planning strategies. The offensive planning Rashan is saving for whatever 234 00:14:50,480 --> 00:14:52,280 Speaker 2: people say is important to them. A lot of people 235 00:14:52,320 --> 00:14:57,000 Speaker 2: say retirement, or their children's education, or to pass along 236 00:14:57,120 --> 00:15:01,920 Speaker 2: future wealth to generations, whatever the case may be. I personally, 237 00:15:02,000 --> 00:15:04,680 Speaker 2: I can't speak for anyone else, but I personally take 238 00:15:04,720 --> 00:15:08,200 Speaker 2: an educational approach. I make sure that my clients are 239 00:15:08,320 --> 00:15:13,320 Speaker 2: educated about how things work and ultimately what the opportunities 240 00:15:13,320 --> 00:15:17,320 Speaker 2: and possibilities are, because I think in any aspect, when 241 00:15:17,640 --> 00:15:20,280 Speaker 2: we're more educated, or the better educated we are, the 242 00:15:20,320 --> 00:15:22,680 Speaker 2: better decisions will make. When you know better, you'll do better. 243 00:15:23,560 --> 00:15:27,280 Speaker 2: The second focus re Shaun is on tax efficiency. I 244 00:15:27,320 --> 00:15:30,000 Speaker 2: have clients cutting five, six, seven figure checks to the 245 00:15:30,000 --> 00:15:32,800 Speaker 2: IRS every year, and the way that they describe that 246 00:15:32,920 --> 00:15:37,800 Speaker 2: is painful. So we help with strategies to minimize taxes, 247 00:15:38,240 --> 00:15:41,440 Speaker 2: not just on today's dollars like your CPA would do, 248 00:15:41,920 --> 00:15:44,240 Speaker 2: but on dollars that they may not see or touch 249 00:15:44,280 --> 00:15:47,320 Speaker 2: for the next twenty, thirty or forty years. And then 250 00:15:47,360 --> 00:15:51,160 Speaker 2: on the defensive side of the ball, that involves talking 251 00:15:51,160 --> 00:15:54,640 Speaker 2: about things that we don't necessarily like to talk about, 252 00:15:54,720 --> 00:15:57,680 Speaker 2: or that aren't as fun to talk about, but it's 253 00:15:57,720 --> 00:16:01,320 Speaker 2: crucial to discuss and address plan for if we're talking 254 00:16:01,360 --> 00:16:04,960 Speaker 2: about doing true financial planning. And so this is evaluating 255 00:16:04,960 --> 00:16:08,520 Speaker 2: the what ifs of our client's lives. What if someone 256 00:16:08,560 --> 00:16:13,280 Speaker 2: passes away unexpectedly? Right, what if I get sick or 257 00:16:13,320 --> 00:16:16,320 Speaker 2: you get sick and can't work and earn an income, 258 00:16:17,160 --> 00:16:20,480 Speaker 2: or what if someone close to you needs some type 259 00:16:20,520 --> 00:16:23,480 Speaker 2: of extended care for an extended period of time. And 260 00:16:23,480 --> 00:16:27,200 Speaker 2: so those are the areas that we try to wrap 261 00:16:27,240 --> 00:16:30,760 Speaker 2: people's minds around and get them thinking deeper about when 262 00:16:30,760 --> 00:16:33,600 Speaker 2: it comes to financial planning and just crossing all the 263 00:16:33,680 --> 00:16:34,840 Speaker 2: t's and dotting all the o's. 264 00:16:35,360 --> 00:16:37,880 Speaker 1: You know, a really interesting thing about this, how do 265 00:16:37,920 --> 00:16:40,560 Speaker 1: we get in touch with your side of the table? 266 00:16:40,680 --> 00:16:44,040 Speaker 1: You know you not saying you know, I'm putting you 267 00:16:44,080 --> 00:16:47,360 Speaker 1: on the spot. She said, the local Northwestern Mutual. You 268 00:16:47,400 --> 00:16:51,640 Speaker 1: know that seems so that seems so unattainable. I'm trying 269 00:16:51,680 --> 00:16:54,800 Speaker 1: to personalize this conversation because I think that that's what 270 00:16:54,960 --> 00:16:57,520 Speaker 1: goes wrong because I do a lot of these interviews 271 00:16:57,560 --> 00:17:01,800 Speaker 1: on my show Money Making Conversation master Class, and I 272 00:17:01,920 --> 00:17:04,040 Speaker 1: know there are a lot of opportunities, from the SBA 273 00:17:04,280 --> 00:17:07,320 Speaker 1: to the National Minority Supply to Development Council, But it 274 00:17:07,359 --> 00:17:10,680 Speaker 1: still seems like it's unattainable, It's unreachable, and it always 275 00:17:10,680 --> 00:17:13,080 Speaker 1: feels like it should be a line out the door 276 00:17:13,600 --> 00:17:16,240 Speaker 1: at the door for this conversational event, it's the third 277 00:17:16,320 --> 00:17:19,600 Speaker 1: one that you're having. But then I go there, It'll 278 00:17:19,640 --> 00:17:22,960 Speaker 1: be well attended, but I should be like more people 279 00:17:22,960 --> 00:17:27,000 Speaker 1: should know. How do we How do we get there? Travis? 280 00:17:27,080 --> 00:17:29,959 Speaker 1: How do we get there? You know? I know this helps, 281 00:17:30,440 --> 00:17:34,480 Speaker 1: but this is only one small stage of helping. How 282 00:17:34,520 --> 00:17:35,400 Speaker 1: do we get there? Brother? 283 00:17:36,000 --> 00:17:39,560 Speaker 2: Yeah, Well, we can only do so much from our seat. Right, 284 00:17:39,640 --> 00:17:45,280 Speaker 2: we put on events like community conversations, an individual advisor. 285 00:17:45,320 --> 00:17:48,520 Speaker 2: I know for myself, we do speaking engagements, right. We 286 00:17:48,640 --> 00:17:53,760 Speaker 2: partner with organizations like the Urban League. We're out in 287 00:17:53,800 --> 00:17:57,480 Speaker 2: the community, We're out at events that are being hosted 288 00:17:57,560 --> 00:18:00,960 Speaker 2: around the city and national and the lead for that matter. 289 00:18:01,680 --> 00:18:04,040 Speaker 2: But when you talk about how to connect with a 290 00:18:04,160 --> 00:18:07,960 Speaker 2: specific or given advisor, you first have to take A 291 00:18:07,960 --> 00:18:11,240 Speaker 2: person has to take an initiative. Most of the people 292 00:18:11,520 --> 00:18:17,280 Speaker 2: that I connect with are introductions that are made right, 293 00:18:17,400 --> 00:18:22,840 Speaker 2: So very seldom are people wanting or desiring to do 294 00:18:22,920 --> 00:18:27,480 Speaker 2: financial planning because they met me at an event. That's 295 00:18:27,480 --> 00:18:30,560 Speaker 2: just been my experience. Most of the people that I 296 00:18:30,600 --> 00:18:35,320 Speaker 2: connect with are introductions, very warm introductions. I work with 297 00:18:35,359 --> 00:18:38,320 Speaker 2: their mom, their dad, their coworker, their colleague, their brother, 298 00:18:38,400 --> 00:18:42,520 Speaker 2: their sister, and they say, Hey, this is the advisor 299 00:18:42,520 --> 00:18:44,800 Speaker 2: I'm working with. We've been having some great conversations doing 300 00:18:44,800 --> 00:18:46,760 Speaker 2: some great work. I think you should have a conversation 301 00:18:46,840 --> 00:18:50,160 Speaker 2: with them. And what we find is that when we're 302 00:18:50,200 --> 00:18:53,719 Speaker 2: introduced to people that way, it's a bit more sticky. 303 00:18:55,240 --> 00:18:57,919 Speaker 2: Those people tend to value the work that we do 304 00:18:58,000 --> 00:18:59,920 Speaker 2: and the time that we spend together a lot more 305 00:19:00,440 --> 00:19:03,159 Speaker 2: than someone coming across me at a at an event 306 00:19:04,200 --> 00:19:07,080 Speaker 2: where it might seem quite generic at an event. 307 00:19:07,280 --> 00:19:10,440 Speaker 1: To be honest, we're talking to Part three Community Conversation, 308 00:19:10,560 --> 00:19:14,520 Speaker 1: how black entrepreneurship is bridging the racial gap. I'm speaking 309 00:19:14,520 --> 00:19:17,919 Speaker 1: to Lay Castro and Travis may Senor. Travis May Senior 310 00:19:18,000 --> 00:19:21,800 Speaker 1: is a financial advisor, a little Castro is a diversity 311 00:19:21,920 --> 00:19:29,199 Speaker 1: inclusion specialist. A Layer ms Castro. Help me so I 312 00:19:29,200 --> 00:19:32,600 Speaker 1: can just start telling people to start kicking rocks when 313 00:19:32,640 --> 00:19:37,200 Speaker 1: they start bringing up anti DEI conversations. Help me out 314 00:19:37,200 --> 00:19:38,800 Speaker 1: give me give me some marching, or to give me 315 00:19:38,840 --> 00:19:43,119 Speaker 1: some statements, says an individual, because I am so tired, 316 00:19:44,080 --> 00:19:47,760 Speaker 1: turned on the read the newspaper. Get a little notification 317 00:19:48,320 --> 00:19:53,399 Speaker 1: it's a movie right now, that's that's anti DEI. I 318 00:19:53,440 --> 00:19:55,480 Speaker 1: want to tell them how to kick rocks. The floor 319 00:19:55,600 --> 00:19:56,200 Speaker 1: is yours. 320 00:19:56,600 --> 00:19:59,959 Speaker 3: I mean, this is not anything that's new. Right, Everything 321 00:20:00,240 --> 00:20:03,760 Speaker 3: history repeats itself. You know, some of this was happening 322 00:20:04,800 --> 00:20:09,040 Speaker 3: after the civil rights movements in the sixties. Right, it's 323 00:20:09,119 --> 00:20:14,520 Speaker 3: just backlash to progression. But what I always refer back to, 324 00:20:14,560 --> 00:20:17,720 Speaker 3: which is one of my core beliefs, is the work 325 00:20:17,760 --> 00:20:21,359 Speaker 3: that I do in diversity, equity and inclusion is about 326 00:20:22,240 --> 00:20:25,720 Speaker 3: human rights. Right. It's about respect for humans, love for 327 00:20:25,840 --> 00:20:30,679 Speaker 3: human beings, caring about people who are not able to 328 00:20:30,800 --> 00:20:35,400 Speaker 3: live their lives and thrive in a healthy or safe way. Period. 329 00:20:35,960 --> 00:20:38,199 Speaker 3: I think if you can kind of refer back to 330 00:20:38,320 --> 00:20:41,960 Speaker 3: that as a core value, then what it looks like 331 00:20:42,280 --> 00:20:45,160 Speaker 3: or what acronyms are associated with it kind of fall 332 00:20:45,200 --> 00:20:47,520 Speaker 3: to the wayside and you just get involved and do 333 00:20:47,600 --> 00:20:52,359 Speaker 3: the work. That's actually something that I find myself having 334 00:20:52,400 --> 00:20:56,479 Speaker 3: conversations about in the corporate environment often is well, what 335 00:20:56,520 --> 00:20:58,920 Speaker 3: are we going to call it to make it digestible 336 00:20:58,960 --> 00:21:02,800 Speaker 3: for people. I am someone who doesn't care too much 337 00:21:02,840 --> 00:21:05,879 Speaker 3: about what names are or what the branding is. I 338 00:21:05,920 --> 00:21:08,240 Speaker 3: care about the work that's getting done and the people 339 00:21:08,280 --> 00:21:11,800 Speaker 3: that are being helped. So just referring back to the 340 00:21:11,800 --> 00:21:15,480 Speaker 3: core value of caring about human beings and human rights, 341 00:21:16,720 --> 00:21:17,720 Speaker 3: then you can't go wrong. 342 00:21:18,400 --> 00:21:22,200 Speaker 1: Awesome, Awesome, we know when I've been educated on the show, 343 00:21:22,320 --> 00:21:26,240 Speaker 1: Northwestern Mutual is more than just a life insurance company. 344 00:21:27,280 --> 00:21:31,400 Speaker 1: Financial advice is being given there when I say that, Travis, 345 00:21:31,440 --> 00:21:34,240 Speaker 1: being that you are a financial institution such as you 346 00:21:34,359 --> 00:21:38,399 Speaker 1: are with north Western Mutual, supporting black entrepreneurship, accessing the 347 00:21:38,440 --> 00:21:41,560 Speaker 1: funds and resources they need to grow. Like you said, 348 00:21:42,000 --> 00:21:45,040 Speaker 1: people who usually come see you or organized, but they 349 00:21:45,080 --> 00:21:48,160 Speaker 1: still are. Some are paying taxes they shouldn't be paying. 350 00:21:49,400 --> 00:21:52,919 Speaker 1: Walk us through some steps and establishing a relationship with 351 00:21:53,119 --> 00:21:54,159 Speaker 1: Northwestern Mutual. 352 00:21:55,200 --> 00:21:57,639 Speaker 2: Yeah, well, I can't speak for establishing a relationship with 353 00:21:57,680 --> 00:21:59,879 Speaker 2: Northwestern Mutual, but I could definitely speak on establishing a 354 00:22:00,000 --> 00:22:01,840 Speaker 2: relationship with myself as a as. 355 00:22:01,680 --> 00:22:06,040 Speaker 1: A financial advisor and mutual. 356 00:22:07,320 --> 00:22:09,080 Speaker 2: I am. But I guess if I could add some 357 00:22:09,119 --> 00:22:12,200 Speaker 2: context to that, we operate similar to like how realtors operate. 358 00:22:12,440 --> 00:22:14,720 Speaker 1: Okay, So a realtor will. 359 00:22:14,520 --> 00:22:18,399 Speaker 2: Hang their license with a brokerage, so, so to speak, 360 00:22:18,440 --> 00:22:21,760 Speaker 2: to simplify it, I chose to partner with a Fortune 361 00:22:21,800 --> 00:22:26,000 Speaker 2: one hundred company to build my financial planning practice, become 362 00:22:26,080 --> 00:22:29,080 Speaker 2: part of the solution, and give the people that I serve, 363 00:22:29,160 --> 00:22:31,359 Speaker 2: which happen to be majority of people who look like me, 364 00:22:31,920 --> 00:22:34,760 Speaker 2: access to some of the best resources that are out there. 365 00:22:35,359 --> 00:22:39,719 Speaker 2: So from that, that's the perspective on that. But what 366 00:22:39,760 --> 00:22:44,159 Speaker 2: does it look like in establishing a relationship generally, what 367 00:22:44,200 --> 00:22:45,720 Speaker 2: it looks like for me? I'm just walk you through 368 00:22:45,720 --> 00:22:47,760 Speaker 2: what that looks like. I'm on a call with somebody 369 00:22:47,800 --> 00:22:49,639 Speaker 2: and at the end of the call, they say, Travis, 370 00:22:50,000 --> 00:22:51,800 Speaker 2: you got to meet so and so, you got to 371 00:22:51,800 --> 00:22:54,320 Speaker 2: meet x y Z. They give me x y Z 372 00:22:54,480 --> 00:22:57,040 Speaker 2: and so and so's contact information, and I reach out 373 00:22:57,800 --> 00:23:01,399 Speaker 2: and I simply reach out to introduce myself, share with 374 00:23:01,440 --> 00:23:06,280 Speaker 2: them that we have a familiar relationship with X, Y 375 00:23:06,359 --> 00:23:09,480 Speaker 2: and Z and that they thought you would find value 376 00:23:09,480 --> 00:23:12,240 Speaker 2: in having a conversation. And so I'm simply calling to 377 00:23:12,240 --> 00:23:14,560 Speaker 2: introduce myself and see if we could carve out some 378 00:23:14,680 --> 00:23:17,800 Speaker 2: time sometime in the next week or two to have 379 00:23:17,840 --> 00:23:21,760 Speaker 2: a conversation, and in that first conversation, Rashan, that is 380 00:23:21,840 --> 00:23:26,439 Speaker 2: the relationship establishing conversation. I firmly believe that I'm not 381 00:23:26,520 --> 00:23:29,720 Speaker 2: in a position to tell anybody about what they should 382 00:23:29,760 --> 00:23:32,600 Speaker 2: be doing with their finances, with their money if I 383 00:23:32,640 --> 00:23:35,080 Speaker 2: don't know them personally, if I don't know what their 384 00:23:35,119 --> 00:23:37,360 Speaker 2: goals are, if I don't know what they're trying to achieve. 385 00:23:38,400 --> 00:23:42,439 Speaker 2: And so that first meeting, that first conversation is simply 386 00:23:42,480 --> 00:23:47,600 Speaker 2: about understanding what that person is looking to accomplish, understanding 387 00:23:47,600 --> 00:23:50,800 Speaker 2: where they are financially, and then where do we align. 388 00:23:51,800 --> 00:23:53,880 Speaker 2: Because I be honest, I sit down and have those 389 00:23:53,920 --> 00:23:57,199 Speaker 2: conversations with people, and I can't help everybody, right, but 390 00:23:57,240 --> 00:24:00,280 Speaker 2: then there are people who I can, And so the 391 00:24:00,280 --> 00:24:02,480 Speaker 2: goal of that initial conversation is just to find where 392 00:24:02,480 --> 00:24:05,879 Speaker 2: the synergy is, where the opportunity is, and how we 393 00:24:05,920 --> 00:24:06,680 Speaker 2: can fill avoid. 394 00:24:07,400 --> 00:24:09,879 Speaker 1: Well, it was really important that we're having this conversation, 395 00:24:10,040 --> 00:24:14,359 Speaker 1: you know from h you know, people of color, African Americans, 396 00:24:14,800 --> 00:24:17,560 Speaker 1: UH dealing with a situation called the racial wealth gap, 397 00:24:17,640 --> 00:24:20,240 Speaker 1: which I think is one of those terms it's overused, 398 00:24:20,800 --> 00:24:24,680 Speaker 1: you know, like branding, like terminology you hear so much. 399 00:24:24,680 --> 00:24:26,359 Speaker 1: You kind of like go what is that? You know, 400 00:24:26,560 --> 00:24:29,359 Speaker 1: just we just realized it was announced the other day 401 00:24:29,400 --> 00:24:33,200 Speaker 1: that the gender pay gap has widened, you know, over 402 00:24:33,240 --> 00:24:36,080 Speaker 1: the years. So that means that there's always going to 403 00:24:36,080 --> 00:24:37,840 Speaker 1: be a challenge. There's alway going to be a challenge. 404 00:24:37,840 --> 00:24:40,240 Speaker 1: When I walk in the door ms Castro and people 405 00:24:40,240 --> 00:24:42,480 Speaker 1: are automatically know I'm a person of color. I can't 406 00:24:42,520 --> 00:24:47,879 Speaker 1: hide that fact, which means that I'm always being stereotyped immediately, 407 00:24:48,880 --> 00:24:50,800 Speaker 1: whether I want to or not. Whether I got a 408 00:24:50,920 --> 00:24:53,280 Speaker 1: suit on, somebody might question where I get this suit, 409 00:24:53,880 --> 00:24:57,800 Speaker 1: whether whether I walk or laugh out loud, they might 410 00:24:57,840 --> 00:25:00,720 Speaker 1: make it. Does he does? He does? He does? He 411 00:25:00,760 --> 00:25:04,120 Speaker 1: know where he's at laughing at loud. So I've been 412 00:25:04,160 --> 00:25:07,240 Speaker 1: dealing with that all my life and I've been successful. 413 00:25:07,640 --> 00:25:11,439 Speaker 1: But I've been successful with a caveat the color of 414 00:25:11,440 --> 00:25:16,760 Speaker 1: my skin. Your role in diversity, in conclusion and inclusion, 415 00:25:17,520 --> 00:25:20,800 Speaker 1: being a specialist, what's the end results, what's the ultimate 416 00:25:20,840 --> 00:25:21,439 Speaker 1: game for you? 417 00:25:22,680 --> 00:25:27,320 Speaker 3: The ultimate game for me is to give voice to 418 00:25:27,440 --> 00:25:32,000 Speaker 3: those that are disadvantage, to reinvest in the communities of 419 00:25:32,080 --> 00:25:36,680 Speaker 3: people that are disadvantaged, To create an internal culture that 420 00:25:36,840 --> 00:25:40,200 Speaker 3: makes diverse people feel like they can bring their whole 421 00:25:40,240 --> 00:25:42,520 Speaker 3: selves to work. A lot of times when we come 422 00:25:42,560 --> 00:25:45,720 Speaker 3: to work, we bring part of ourselves, right, You don't 423 00:25:45,760 --> 00:25:48,600 Speaker 3: want to expose too much of your self for fear 424 00:25:48,680 --> 00:25:53,399 Speaker 3: that you might be retaliated against in your employment. I 425 00:25:53,440 --> 00:25:55,719 Speaker 3: want to create a culture that allows you and I 426 00:25:55,760 --> 00:25:57,720 Speaker 3: have been able to create a culture that allows you 427 00:25:57,800 --> 00:26:02,720 Speaker 3: to fully be yourself at work every day and discuss 428 00:26:02,880 --> 00:26:05,960 Speaker 3: things that you may not be able to discuss anywhere else, 429 00:26:06,200 --> 00:26:11,119 Speaker 3: such as experiencing microaggressions like you mentioned. But at the 430 00:26:11,200 --> 00:26:14,560 Speaker 3: end of the day, it's about the impact on these 431 00:26:14,600 --> 00:26:17,639 Speaker 3: communities that we sit in that mean the most to me, 432 00:26:19,080 --> 00:26:23,119 Speaker 3: especially within the Black and African American community, which is 433 00:26:23,119 --> 00:26:27,240 Speaker 3: why doing community events like Community Conversations is so important, 434 00:26:28,280 --> 00:26:34,240 Speaker 3: really supporting black entrepreneurs locally. But also to what Travis 435 00:26:34,280 --> 00:26:39,680 Speaker 3: mentioned earlier, our advisors operate as entrepreneurs themselves, so it's 436 00:26:39,760 --> 00:26:44,040 Speaker 3: layered and it's an honor to be able to support 437 00:26:44,240 --> 00:26:47,280 Speaker 3: and invest in black entrepreneurs here in Atlanta, and I 438 00:26:47,320 --> 00:26:50,479 Speaker 3: hope to do so for the foreseeable future. 439 00:26:51,080 --> 00:26:52,840 Speaker 1: I love it. I love it. I want to thank 440 00:26:52,840 --> 00:26:56,240 Speaker 1: you guys for coming on my show talking about Part three, 441 00:26:56,359 --> 00:27:00,879 Speaker 1: Community Conversations, How Black entrepreneurship is bridging the wealth gap. 442 00:27:01,119 --> 00:27:04,800 Speaker 1: This is part three Community conversation, how Black entrepreneurship is 443 00:27:04,840 --> 00:27:07,400 Speaker 1: bridget a racial wealth gap. Thank you both for coming 444 00:27:07,480 --> 00:27:11,000 Speaker 1: on Money Making Conversation, massacret It was enjoyment, enjoyable to 445 00:27:11,040 --> 00:27:13,080 Speaker 1: have it on this conversation with two people who are 446 00:27:13,080 --> 00:27:14,840 Speaker 1: trying to make a difference in our community. 447 00:27:15,080 --> 00:27:17,760 Speaker 3: Thank you so much for the opportunity. 448 00:27:18,119 --> 00:27:20,080 Speaker 2: Absolutely man likewise, Thank you for Sean. 449 00:27:21,080 --> 00:27:24,320 Speaker 1: This has been another edition of Money Making Conversation Masterclass 450 00:27:24,400 --> 00:27:27,480 Speaker 1: hosted by me Rashaun McDonald. Thank you to our guests 451 00:27:27,560 --> 00:27:30,960 Speaker 1: on the show today and thank you listening to audience now. 452 00:27:31,000 --> 00:27:32,960 Speaker 1: If you want to listen to any episode I want 453 00:27:33,000 --> 00:27:36,920 Speaker 1: to be a guest on the show, visit Moneymakingconversations dot com. 454 00:27:36,960 --> 00:27:40,560 Speaker 1: Our social media handle is money Making Conversation. Join us 455 00:27:40,640 --> 00:27:43,200 Speaker 1: next week and remember to always leave with your gifts. 456 00:27:43,520 --> 00:27:44,119 Speaker 1: Keep winning.