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Speaker 1: This podcast is sponsored by Better Help Online Therapy. I'm

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Speaker 1: Michlene Malouf and I'm Nadi Adessi, licensed therapists and hosts

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Speaker 1: cardible dotcom ships. Red Street behind His Panama. Welcome to

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Speaker 1: Money Making Conversation. I'm your host, Rushan McDonald. I recognize

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Speaker 1: that we all have different definitions of success. For some

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Speaker 1: insercizable paycheck. Mine is helping people wake up and inspiring

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Speaker 1: them to accomplish their goals and live their very best life.

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Speaker 1: These are my passions and that's what I'm going to

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Speaker 1: do for you. I want you to stop tripping over

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Speaker 1: small challenges and prepare to rise above the bigger obstacles

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Speaker 1: that life will present to you. The Money Making Conversation

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Speaker 1: interviews provide relatable information to listener about career and financial planning, entrepreneurship, motivation, leadership,

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Speaker 1: overcoming the arts, and how to live a balanced life.

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Speaker 1: My next guest is the founder and chief executive officer

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Speaker 1: of Mobility Capital Finance, Incorporated in fourteen. As the city

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Speaker 1: of Ferguson, Missouri, erupted into protests following the shooting death

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Speaker 1: of them on armed black teenager sounds familiar. An Oxford

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Speaker 1: educated African American financial executive setting this office at the

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Speaker 1: Fortunate one hundred company and decided and considered ways to

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Speaker 1: close the economic gap. Two years later, that executive launched

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Speaker 1: a digital banking platform that would target them more than

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Speaker 1: fifty million unbanked and underbanked people living in this country.

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Speaker 1: Please welcome to money making conversation, role coax him. Thank

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Speaker 1: you very much for Sean. It's great to be with you. Well, uh,

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Speaker 1: that's a pretty dramatic opening. That's uh an inspiration. We

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Speaker 1: all need to be inspired by something. We all need

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Speaker 1: to look at, look in the mirror and saying it's

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Speaker 1: this my ultimate path, this is my journey. You know,

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Speaker 1: we all go to school, you highly educated. And then

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Speaker 1: we opened about this conversation about an on armed black man,

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Speaker 1: young teenager, and in that was this world is in

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Speaker 1: the world. I say it's an emotional turner turner all

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Speaker 1: because of what happened to George Floyd in Minnesota. With

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Speaker 1: that being said, in the middle of a pandemic and

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Speaker 1: you saw something, sir, and I I give a lot

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Speaker 1: of speeches. I'm on news all the time, talking about

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Speaker 1: economic crisis, and it all keeps going back to the minorities,

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Speaker 1: people of color, African American who are suffering, who don't

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Speaker 1: have the right banking talked to us about that whole

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Speaker 1: process that's starting in and we're gonna come forward to

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Speaker 1: because what you created is definitely needed. I know that

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Speaker 1: for a fact, and that's why I have your money

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Speaker 1: making conversations. Yeah, so you know the reality is that, Um,

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Speaker 1: when I was at my job, I was one of

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Speaker 1: the most senior Black people at JP Morgan, and I

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Speaker 1: realized that where I was sitting, I was not in

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Speaker 1: a position to impact my community where I come from,

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Speaker 1: to my people, and I wanted out a stage in

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Speaker 1: life where I said, you know what, I'd rather try

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Speaker 1: and solve this problem and fail than to stay in

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Speaker 1: my job and keep doing what I'm doing, because at

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Speaker 1: least I can have the satisfaction in life of trying

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Speaker 1: to tackle it. And I was so frustrated with being

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Speaker 1: in conversations with people talking about the problem and not

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Speaker 1: really having a conversation about, well, here's some tangible solutions.

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Speaker 1: So I thought, let me take my training. I've been fortunate,

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Speaker 1: fortunate to have worked at some of the biggest financial

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Speaker 1: services companies in this country with some well known people,

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Speaker 1: and I said, let me take this training and see

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Speaker 1: if I can bring it back to my community. UM.

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Speaker 1: And that's how we got to mokify. And we all

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Speaker 1: have our moments in life. But when I was watching

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Speaker 1: ferguson Burn, it reminded me of episodes of I as

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Speaker 1: on the Prize that so many of us grew up

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Speaker 1: watching as a as a young person, and so many

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Speaker 1: more of us lived through UM in the civil rights era.

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Speaker 1: And I just thought that, you know what, there's got

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Speaker 1: to be a better way. And got all this training,

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Speaker 1: Let's see if you can put it to you. So

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Speaker 1: that was my sort of George Floyd moment happened um then,

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Speaker 1: and it put me in a position to ask some

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Speaker 1: difficult questions. Why do black folks spend more than on

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Speaker 1: banking products in their white counterparts every month? Right? Why

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Speaker 1: is it that, over the course of a lifetime, a

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Speaker 1: black person can spend forty dollars more for banking services

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Speaker 1: than their counterpart. And how can we have an impact?

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Speaker 1: Because it's all about how do we create wealth in

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Speaker 1: our communities? And it's got to start by not going

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Speaker 1: to the check casher hapsolutely you know, you know in

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Speaker 1: two thousands, you know, when I was doing radio, Steve Harman,

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Speaker 1: I was doing radio just watching them going to Compton.

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Speaker 1: These czecks hashings just outrageous fees they're paying in watts

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Speaker 1: and competence South l A. And not only just there,

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Speaker 1: but in the Fifth War and the third wards of Houston,

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Speaker 1: Texas and south side of Chicago. You know, in the

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Speaker 1: communities of Harlem, New York, and other boroughs in the

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Speaker 1: d C Area. Everywhere you go, black people are being

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Speaker 1: exploited because they don't have access to the correct way

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Speaker 1: to you to to to to receive their money and

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Speaker 1: deposit their money. That's exactly right, and there's an assumption

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Speaker 1: that those are the right ways that should serve the

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Speaker 1: black community. The fact that they're more check cashers than

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Speaker 1: there are McDonald's and burger Kings in this country tells

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Speaker 1: you a lot. Right of the black of the bank

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Speaker 1: branches that are closed in this country have been in

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Speaker 1: low and modern income communities, and that's our community. So

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Speaker 1: we can do better. And I wanted to try to

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Speaker 1: be a part of that conversation as um and to

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Speaker 1: bring it to today, to your point we're seeing the

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Speaker 1: implications of being on the outside looking in from the

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Speaker 1: financial services perspective. How does that manifest itself? It manifests

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Speaker 1: itself in such a way that you've got um, hundreds

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Speaker 1: of thousands of people who still haven't collected there. Yes,

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Speaker 1: if you couple or five hundred dollars a child, if

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Speaker 1: child has not turned eighteen, that's exactly right. And so

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Speaker 1: why are we, the most vulnerable of us, need these dollars?

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Speaker 1: And yet if we're waiting for a check, and even

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Speaker 1: if we get the check, we still got to go

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Speaker 1: to the check casher to cash it. Oh, but by

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Speaker 1: the way, the check casher is I've got to leave

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Speaker 1: my home to get there. That puts me at risk,

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Speaker 1: you know, with this COVID nineteen situation. And so now

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Speaker 1: I've got to risk my life to cash a check

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Speaker 1: that and I oh, by the way, I'm not gonna

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Speaker 1: get my full twelve gotta pay a fee to get

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Speaker 1: that money in the first place. I mean, it all

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Speaker 1: doesn't make sense. And also, let's remind this, and you're

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Speaker 1: cashing it not in the most friendly environment. You know,

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Speaker 1: you got a buzz in fifteen inch glass. They don't

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Speaker 1: even trust you as a customer. They don't see you

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Speaker 1: as a lawyer customer. They don't want to grow your money.

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Speaker 1: They don't want to posit your money. They want they

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Speaker 1: want to just see you for that one time, get

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Speaker 1: what they can get out of you, buzz you out.

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Speaker 1: So it's never environment that they wants you to bring

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Speaker 1: your children into. There's nobody there with a lollipops that

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Speaker 1: condition environment what you sit on the chair, you know

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Speaker 1: what I'm talking This is this. That's how people do

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Speaker 1: quality banking when you want to put your money in.

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Speaker 1: This is the environment that they're not used to. So

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Speaker 1: guess what generation behind you sees that and say that's

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Speaker 1: how I do my money too. That's how I'm supposed

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Speaker 1: to live. That's why I say now I had to

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Speaker 1: bring you the show man. This is just right here.

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Speaker 1: We just started scratching the surface of the greatness of

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Speaker 1: what you have come about, what you're delivering, because I'm

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Speaker 1: at the forefront of just black people. You know, they

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Speaker 1: when these dollars dim, the checks going straight to the

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Speaker 1: people who file taxes and they then that money gets

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Speaker 1: returned back to the government. They never see it because

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Speaker 1: they don't have bank accounts, right right, right. And the

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Speaker 1: thing about it is a bank account. It sounds so simple,

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Speaker 1: but for so many of us, it's not that simple.

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Speaker 1: And one of the things that we're imagining a world

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Speaker 1: is we're going to transform the stores and the locations

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Speaker 1: where we live into virtual bank branches. So what we're

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Speaker 1: what we're setting up is you can get there's a

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Speaker 1: free a t M network. We've got an a t

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Speaker 1: M network. You can get your cash out for free.

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Speaker 1: I don't care what your balances. We're not charging a

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Speaker 1: monthly minimum fee. We're not charging you um to set

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Speaker 1: up the account. You can start transacting with us for free,

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Speaker 1: and you get the state of the art plastic touchless.

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Speaker 1: It's got a chip in it, it's got a pen,

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Speaker 1: because that's what we deserve because our philosophy is if

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Speaker 1: you bring a high quality product to a large market,

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Speaker 1: you've got a game with the business. So anyway, so

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Speaker 1: we're transforming the walmarts, the CVS is, the Riot aids

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Speaker 1: into places where you can put cash in your account

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Speaker 1: for free, take cash out of your account for free,

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Speaker 1: and we're allowing people to take checks, pictures of their

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Speaker 1: check and that money will be deposited into your account

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Speaker 1: for free, real time. There's no reason you need to

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Speaker 1: go to a check cash or ever again if you

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Speaker 1: work with and and the part that I'm so excited about.

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Speaker 1: I'm excited about so many parts of this and you're not.

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Speaker 1: You know this is this is where I'm excited, so

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Speaker 1: is Dad. See what black people or people of color

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Speaker 1: I have to have to learn and understand that that

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Speaker 1: cell phone is a mini computer, oh a meaning computer.

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Speaker 1: And that is the game change that we have to

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Speaker 1: educate them about because you're about to get hit again

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Speaker 1: with this potential home schooling are are are because of pandic,

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Speaker 1: because of the pandemic and COVID eighteen. We have to

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Speaker 1: learn that this this little app that you can drop,

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Speaker 1: that you can did you did you feel it's only

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Speaker 1: for texting, for taking photos and making phone calls? Is

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Speaker 1: the game changer for your financial life. That is what

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Speaker 1: I really want to pound on this interview is that

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Speaker 1: you know, black people about more Android phones than anybody

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Speaker 1: in the world Black people right right right, And when

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Speaker 1: I saw this, I went Okay, as a team, we

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Speaker 1: have to I have to talk to him because I

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Speaker 1: gotta figure out a way to be able to sell this.

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Speaker 1: I got you know, I got a bi monthly newsletter

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Speaker 1: goes out the ninety thousand fans every month, and to

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Speaker 1: grow is growing, and I want to drop this information

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Speaker 1: in there. You know. Sometimes they're block you on Facebook

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Speaker 1: when you start talking financial and stuff like that. But

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Speaker 1: I have my own assets and I can put the

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Speaker 1: word out because this type of information that you're delivering

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Speaker 1: has to be told and has to be shared because

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Speaker 1: of the fact that if we don't understand that that

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Speaker 1: that this this pandemic should be an eye opening from

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Speaker 1: the technology side or the lack of information that we're

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Speaker 1: using through technology. And this mobility app that you created,

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Speaker 1: that mobility Capital finance app is the game changer, sir.

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Speaker 1: It's the game change. Uh well, the things that I

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Speaker 1: appreciate that and we want to be very much a

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Speaker 1: part of your getting the word out. So I look

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Speaker 1: forward to taking advantage of how you reach your ninety

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Speaker 1: and growing. Um, I got eight hundred thousands on my Facebook.

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Speaker 1: I got another hundred thousands. We're gonna figure out how

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Speaker 1: to get this out there, you know, And I just

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Speaker 1: know that sometimes we say financial money in your copy,

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Speaker 1: you know, Facebook or Flag and all this, But we're

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Speaker 1: gonna figure this out because you you just say mobility,

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Speaker 1: capital finance. I think I can get that out like that.

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Speaker 1: But I just know that you to be smart, you

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Speaker 1: know when you trying to reach your people. I got

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Speaker 1: eighty eight percent of my excuse me, of my followers

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Speaker 1: on my Facebook account are female, which are the decision

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Speaker 1: makers who are the usually the people who handle the

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Speaker 1: purse strings. So I know I have the right audience

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Speaker 1: to be able to communicate. Is just being able to

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Speaker 1: get you on the show. Let you know I'm a fan,

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Speaker 1: and let you know I have a high degree of

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Speaker 1: sincerity when I'm talking to you. Well, I appreciate that

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Speaker 1: very much. You when you talk about the your your

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Speaker 1: your fan base, and your women, that reminds me of

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Speaker 1: something my mom says often, which is stopping the women

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Speaker 1: stops the power. And so we need to empower women

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Speaker 1: so they are because they really do. M have the

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Speaker 1: responsibility of managing our owns and managing our lives. One

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Speaker 1: of the things that I've been very we're very focused

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Speaker 1: on is around and and and just peep this around

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Speaker 1: grant aiments being a way that people can build their

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Speaker 1: credit score. So if you think about it, for many

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Speaker 1: of us, our rent payment on a monthly basis is

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Speaker 1: the largest expense that we have each month, and so

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Speaker 1: few of us actually get that payment into the credit file.

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Speaker 1: We make that free for people. We we enable that

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Speaker 1: and it's free to people. So if they pay their

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Speaker 1: rent on our platform and they can give us the

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Speaker 1: name of their landlord and we can send the landlord

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Speaker 1: a check, we can at the same time provide the

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Speaker 1: two of the bureaus, Equifax and TransUnion that information and all.

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Speaker 1: By the way, that was that was brilliant, sir. That

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Speaker 1: was I've read that. I went, that's brilliant because you know,

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Speaker 1: and that's true because of the fact that you know,

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Speaker 1: they don't report that, and so that's the number one

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Speaker 1: thing that we do is pay rent. Pay rent okay,

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Speaker 1: and the fact that you can't even get credit for

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Speaker 1: paying rent. And when I saw that part, I went, wow, Wow,

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Speaker 1: this is brilliant. This is brilliant. Now how are you

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Speaker 1: because I see years which is not enough. We are

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Speaker 1: not even close to our number. How do we get

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Speaker 1: that number moving exponentially in the black community. That's a

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Speaker 1: great question. So we think about it in two ways.

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Speaker 1: It's having this conversation, uh and having as many of

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Speaker 1: your readers and listeners UM tune in and try us

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Speaker 1: out UM and making sure that people understand the value.

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Speaker 1: So that's part of it. We we we too are really

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Speaker 1: trying to improve our digital game UH and spend time

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Speaker 1: on the various social media platforms where people are looking

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Speaker 1: for solutions. And then we're also just but you know,

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Speaker 1: if you look at our community and our history, movements

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Speaker 1: start from the bottom up, right, and so we just

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Speaker 1: need to be in the community. For example, we're in

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Speaker 1: Newark and the folks who are in a summer job

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Speaker 1: program working with the City of Newark, they're using our

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Speaker 1: platform to get paid their summer wages. Instead of getting

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Speaker 1: gift cards, they're actually opening up a full d d

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Speaker 1: a bank account on our platform. Right, We've got folks

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Speaker 1: in Brooklyn who are um getting some COVID relief dollars

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Speaker 1: and they are instead of getting along gift cards, they

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Speaker 1: are able to sign up and get their dollars by

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Speaker 1: opening up an account with us, and the organizations are

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Speaker 1: putting dollars into those accounts. So it's those kinds of opportunities.

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Speaker 1: We've got folks in Atlanta who are we're helping provide

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Speaker 1: through some philanthropic dollars rent relief so people don't get

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Speaker 1: evicted from their homes and at the same time saying

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Speaker 1: now is the time for you to think about improving

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Speaker 1: your banking situation so you don't have to waste money

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Speaker 1: on excess fees. So we're just trying to go through

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Speaker 1: all the channels of with great community partners, folks like

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Speaker 1: yourselves who reach such an important audience, UH to tell

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Speaker 1: the story and hopefully each person that uses the product,

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Speaker 1: they'll tell a friend and you know, we'll grow out

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Speaker 1: that way. One of the things that's credit is you

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Speaker 1: can send money to another Mokifi we called Mobility Capital Finance.

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00:17:33,480 --> 00:17:40,960
Speaker 1: We go buy mokifi another Mokify card holder for free instantaneously,

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Speaker 1: versus going to Western Union Exactly. I'm telling it's finally

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Speaker 1: here the season of celebration. And no matter how you

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00:17:52,160 --> 00:17:55,520
Speaker 1: celebrate with family and friends, whether you're preparing for us

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Speaker 1: Mago's or Karamu lighting the Manura, are going to midnight mass,

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Speaker 1: Goals has just what you need to make those traditions special.

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Speaker 1: And in the spirit of giving, Coals Cares is donating

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Speaker 1: eight million dollars to local nonprofits nationwide committed to the

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Speaker 1: health and well being of our communities. No matter how

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Speaker 1: you celebrate, when you shop at Coals, you're right where

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Speaker 1: And because everything is hosted in a single, easy to

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Speaker 1: and give you access to data you never would have

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Speaker 1: known otherwise. Visit happen dot com to learn more and

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Speaker 1: and share them with your friends or coworkers. You can

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Speaker 1: free auto dot ai. That's O T T E R

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Speaker 1: dot Ai. This is a This is a lot of

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Speaker 1: stuff going on, you know, because you know when you

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Speaker 1: when you when you sit on the other side, and

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Speaker 1: just like you you said, on the other side, and

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Speaker 1: you do business a certain way and you're going to bank,

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Speaker 1: they look at you different and bank accoud looks different.

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Speaker 1: And then I see my people living a life struggling, struggling,

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Speaker 1: and then you're struggling because I grew up in the

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Speaker 1: inner city, so I know struggle and um and so

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Speaker 1: this this is such a quality mission. And the reason

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Speaker 1: I keep bringing it up is that black people function

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Speaker 1: in this country and we don't get credit for how

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Speaker 1: we function. And that's what racism is all about. And

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Speaker 1: we don't get in function and that's the problem we're

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Speaker 1: having right now with with with with the with these

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Speaker 1: Confederate statutes. See, if you actually taught our history, it

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Speaker 1: put us in the history books, You're clearly understand those

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Speaker 1: statues should never have been up. You'll clearly understand what

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Speaker 1: we've had to do. But they take all that Jim

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Speaker 1: Crow out of the history books use because white people

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Speaker 1: don't want to feel uncomfortable reading about how they treated blacks.

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Speaker 1: They don't feel uncomfortable how they were hanging blacks, how

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Speaker 1: they were denying blacks opportunities. That's uncomfortable part of history.

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Speaker 1: So flash forward, they go, what's the problem, what's the

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Speaker 1: problem with the flag? What's prob would the statues the heroes?

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Speaker 1: Because they removed all that information as to why they

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Speaker 1: are not heroes to the people in power and for

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Speaker 1: the people who have suffered. The indignity is because of

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Speaker 1: that situation that they put us in. And So when

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Speaker 1: I see your app and I see technology, because that's

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Speaker 1: the one thing that came out of this whole pandemic

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Speaker 1: for me, that black people we got to put our

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Speaker 1: foot to the metal and technology, Yeah, yeah, I agree

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Speaker 1: with that on a percent. And technology is the great

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Speaker 1: uh equalizer. If you will. To your point, we all

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Speaker 1: have the same phone. Uh there's more technology and the

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Speaker 1: phones that we have today than there was and they

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Speaker 1: put someone on the moon, um, you know, fifty years ago.

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Speaker 1: So the power is there. But we have another fundamental problem,

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Speaker 1: which you what you remind me of, right, thirty six

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Speaker 1: percent of black households do not have internet or computer access.

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Speaker 1: That's right, you know, so we have to deal with

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Speaker 1: some fundamental Banking is a fundamental thing. It's mobile, and

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Speaker 1: I think that allows us to bank the way we

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Speaker 1: want to be banked because we're pretty sophisticated. People give

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Speaker 1: us a good product, and that's what that That's what

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Speaker 1: I'm saying. There's twenty five. We got to move that

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Speaker 1: number because we don't know. I'm gonna tell you some man,

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Speaker 1: nobody likes just giving away their money. Okay, nobody likes

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Speaker 1: going down to those check cashing place. I know nobody

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Speaker 1: leaves they're happy. I never see anybody click their heels

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Speaker 1: come out of the check cashing man. Okay, Like I said,

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Speaker 1: they gotta budge you in. It's just just like going

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Speaker 1: into jail. Took get your money. It's term. It's terrible,

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Speaker 1: and so and so and so when I and and

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Speaker 1: it just and so when I when I hear you're talking.

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Speaker 1: That's why I have to realize that that that they're

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Speaker 1: the opportunity with this phone to be let them know

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Speaker 1: there's more than just a phone, because through limited education,

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Speaker 1: that's all we think there is. We think I talk,

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Speaker 1: I text, I take photos, that sit app because those

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Speaker 1: apps have no value to them. They don't care about

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00:23:05,440 --> 00:23:09,119
Speaker 1: running the call, they don't care about airline, airline tickets,

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00:23:09,160 --> 00:23:10,480
Speaker 1: they don't care about a lot of things that are

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00:23:10,520 --> 00:23:13,760
Speaker 1: important to you and I. All they care about is

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Speaker 1: their money. And there's no there to not knowledge. There's

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Speaker 1: no app on there that can help them with their money.

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Speaker 1: And that's what we got to educate our people about.

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Speaker 1: That's right. What we think about the world in three plays,

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Speaker 1: in three ways. One, we want to get people banged.

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Speaker 1: Sent to your point, half of African Americans are unbanked

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Speaker 1: or underbanked. That's that we don't have to live that way.

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Speaker 1: The second is we want to help people build their

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Speaker 1: credit score. And um we're doing through rent payments. We

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Speaker 1: report to the two of the bureaus and that and

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Speaker 1: of the self consadium money. Because you know there are

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Speaker 1: these credit repair places that most could charge you, you know,

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Speaker 1: hundred dollars, two hundred dollars to get you fifty points.

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Speaker 1: Um see the commercials, I see the commercial on our platform.

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Speaker 1: You know you can. We can take up to two

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Speaker 1: years of rental history. And this is not gonna be

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Speaker 1: true for everybody, but the statistics suggests that over will

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Speaker 1: see and improvement in their credit score. We have seen

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Speaker 1: people get up to fifty to points of credit score

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Speaker 1: improvement by taking rent payments and going back two years.

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Speaker 1: And that can be done in a relatively short period

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Speaker 1: of time. So that's the second part. And then the

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Speaker 1: third part. If you've got your banking right, if you've

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Speaker 1: got your credit score right, then we can start talking

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Speaker 1: about how do we build wealth. Can you buy a house?

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Speaker 1: Can you start that, uh, that new business? Can you

429
00:24:38,400 --> 00:24:41,760
Speaker 1: think about maybe putting some couple of dollars aside and

430
00:24:41,800 --> 00:24:44,120
Speaker 1: putting it in the stock market? So how do we

431
00:24:44,240 --> 00:24:46,800
Speaker 1: start to create? And then what we do is we

432
00:24:46,880 --> 00:24:52,080
Speaker 1: provide coaches free to people that understand you that a

433
00:24:52,080 --> 00:24:54,920
Speaker 1: coach that looks like your your cousin or your sister,

434
00:24:55,520 --> 00:24:57,880
Speaker 1: who you know it's got your best interest in heart,

435
00:24:57,920 --> 00:25:03,320
Speaker 1: not just trying to sell you the next shiny object. Um,

436
00:25:03,359 --> 00:25:05,800
Speaker 1: so we're trying to think about it holistically and tell

437
00:25:06,000 --> 00:25:10,200
Speaker 1: in terms of banking, building credit and then creating wealth

438
00:25:10,200 --> 00:25:12,760
Speaker 1: in our communities. And so I'm with you. You want

439
00:25:12,400 --> 00:25:15,280
Speaker 1: to I don't want the twenty five thousand, Well, next

440
00:25:15,320 --> 00:25:16,919
Speaker 1: time I come on your show, I wanted to be

441
00:25:16,920 --> 00:25:20,359
Speaker 1: a hundred thousand. It has to be. And I'm not

442
00:25:20,440 --> 00:25:24,320
Speaker 1: saying that in a negative manner. I just don't know that.

443
00:25:24,440 --> 00:25:26,199
Speaker 1: I just know that, you know that. That's all I

444
00:25:26,240 --> 00:25:28,159
Speaker 1: do is market you know. I just think of ways

445
00:25:28,200 --> 00:25:31,159
Speaker 1: of being able to get the message out and that

446
00:25:31,320 --> 00:25:34,679
Speaker 1: messages that phone and and understand it's almost like you

447
00:25:34,680 --> 00:25:36,080
Speaker 1: know what, you know what a noys to me? Like

448
00:25:36,119 --> 00:25:38,240
Speaker 1: you you you're you're buy a phone, or you buy

449
00:25:38,240 --> 00:25:40,600
Speaker 1: a computer, you get a remote and Netflix already on

450
00:25:40,600 --> 00:25:46,480
Speaker 1: the remote, it's already. If you don't have if you

451
00:25:46,520 --> 00:25:49,040
Speaker 1: don't is there, it is there already, you know what

452
00:25:49,080 --> 00:25:51,200
Speaker 1: I'm saying. And so so in my mind, I'm sitting

453
00:25:51,200 --> 00:25:54,840
Speaker 1: over here, how can I get his app phone? I'm

454
00:25:54,840 --> 00:25:57,280
Speaker 1: saying right there, That's where I'm at right now. I'm

455
00:25:57,320 --> 00:25:59,800
Speaker 1: trying to figure out how can I not have his

456
00:26:00,000 --> 00:26:04,399
Speaker 1: app standard on every black phone in the minority community.

457
00:26:04,480 --> 00:26:07,040
Speaker 1: How can we how can we not make that happen?

458
00:26:07,240 --> 00:26:14,399
Speaker 1: Because I see it happening with Netflix, right I this

459
00:26:14,480 --> 00:26:16,679
Speaker 1: happened on the regular. You know, you look at you,

460
00:26:16,720 --> 00:26:20,280
Speaker 1: look at TV. Twitter already getting self promoted to follow Twitter,

461
00:26:20,440 --> 00:26:23,640
Speaker 1: follow Facebook, you know all of you know, follow, follow,

462
00:26:23,800 --> 00:26:26,840
Speaker 1: all these all these different brands. You are a brand,

463
00:26:27,760 --> 00:26:30,199
Speaker 1: coax them. And my mind is like, how can I

464
00:26:30,240 --> 00:26:33,440
Speaker 1: get this brand to become relevant to the black community.

465
00:26:33,680 --> 00:26:35,879
Speaker 1: One of the ways it has to become a standard

466
00:26:35,960 --> 00:26:39,240
Speaker 1: bearer for opportunity. And we have to talk to the

467
00:26:39,320 --> 00:26:43,879
Speaker 1: right people. And right now, right now, everybody's talking about diversity.

468
00:26:44,080 --> 00:26:46,720
Speaker 1: Everybody's talking about trying to help out black people, trying

469
00:26:46,720 --> 00:26:51,960
Speaker 1: to equal the playing field. My man, you have the software.

470
00:26:52,720 --> 00:26:54,920
Speaker 1: Now you have to talk to the right people. Go look,

471
00:26:55,440 --> 00:26:57,719
Speaker 1: if you're trying to help the black community, to get

472
00:26:57,760 --> 00:27:00,400
Speaker 1: them out of those check hashes. I got it here.

473
00:27:00,720 --> 00:27:03,359
Speaker 1: There's no agenda tie to it. Make it, make it

474
00:27:03,359 --> 00:27:11,399
Speaker 1: a make it a loadable feature, right right, let's right,

475
00:27:12,320 --> 00:27:16,000
Speaker 1: that's ada. That's that's that's a great idea. That's exactly right,

476
00:27:16,440 --> 00:27:18,320
Speaker 1: and it's just right there. People don't have to think

477
00:27:18,359 --> 00:27:21,080
Speaker 1: about it, just just sign up. And that's the other thing.

478
00:27:22,080 --> 00:27:25,760
Speaker 1: So many of us may find ourselves if we were

479
00:27:25,840 --> 00:27:30,280
Speaker 1: to go to a traditional bank excluded because they might check.

480
00:27:30,359 --> 00:27:34,800
Speaker 1: They might they do check the check system. And if

481
00:27:34,880 --> 00:27:39,360
Speaker 1: you have a history of UM a bank account problem,

482
00:27:39,720 --> 00:27:41,400
Speaker 1: they're not gonna open up account for you. We don't

483
00:27:41,400 --> 00:27:44,680
Speaker 1: have that problem. We want everybody right. We just want

484
00:27:44,680 --> 00:27:46,240
Speaker 1: to make sure you are you stare you are. You

485
00:27:46,240 --> 00:27:48,800
Speaker 1: can open up your account. It takes three minutes and

486
00:27:48,880 --> 00:27:51,120
Speaker 1: at the end of the process, you've got your six

487
00:27:51,200 --> 00:27:54,160
Speaker 1: team digital account number. You can start charging, and you've

488
00:27:54,960 --> 00:27:59,399
Speaker 1: got your UM account number and routing number. You can

489
00:27:59,440 --> 00:28:03,960
Speaker 1: start doing rectorposit and keep this. In the coming couple

490
00:28:04,000 --> 00:28:05,960
Speaker 1: of weeks, we're gonna have a set up that you

491
00:28:05,960 --> 00:28:09,000
Speaker 1: can get your paycheck two days early if you do

492
00:28:09,160 --> 00:28:13,240
Speaker 1: director posit with us. Okay, cool, I'm in. I'm in.

493
00:28:13,920 --> 00:28:16,199
Speaker 1: You know. We need to stay in touch her, all right.

494
00:28:16,320 --> 00:28:20,080
Speaker 1: We need to stay in touch from the standpoint of UH,

495
00:28:20,400 --> 00:28:25,000
Speaker 1: any tool I have available because in the end, I've

496
00:28:25,040 --> 00:28:28,520
Speaker 1: been fortunate. I'm just have a natural drive just like you. UM.

497
00:28:29,400 --> 00:28:31,520
Speaker 1: You know, we all have different hands that we have

498
00:28:31,680 --> 00:28:35,000
Speaker 1: been dealt. But it's what you deal with those opportunities.

499
00:28:35,119 --> 00:28:37,840
Speaker 1: So and I don't feel that I'm I can't be

500
00:28:37,960 --> 00:28:41,280
Speaker 1: happy if everybody if I'm not at least sharing the

501
00:28:41,400 --> 00:28:43,800
Speaker 1: gifts that God has given me. And that's what this is,

502
00:28:43,840 --> 00:28:46,320
Speaker 1: what this interview is about. And uh, and I just

503
00:28:46,400 --> 00:28:48,560
Speaker 1: wanted my my my take on this would let you know,

504
00:28:49,240 --> 00:28:51,440
Speaker 1: I get what you do with my friend, I get it.

505
00:28:52,720 --> 00:28:55,880
Speaker 1: We gotta we gotta, we gotta quadruple that number. We

506
00:28:56,000 --> 00:28:58,800
Speaker 1: gotta we gotta do some mad math. Or my degree

507
00:28:58,840 --> 00:29:01,080
Speaker 1: is in mathematics. We gotta do mad math on that

508
00:29:01,280 --> 00:29:04,720
Speaker 1: number because if we if we don't, then we're not

509
00:29:05,040 --> 00:29:08,240
Speaker 1: doing what it's purpose. We're not. The purpose of it

510
00:29:08,440 --> 00:29:11,280
Speaker 1: is to is to engage African America or people of

511
00:29:11,400 --> 00:29:17,080
Speaker 1: color financially to a level playing field, better credit, better

512
00:29:17,200 --> 00:29:20,480
Speaker 1: banking that we pay more fees than anybody. We got

513
00:29:20,600 --> 00:29:24,520
Speaker 1: to stop all that, right right, and and you know

514
00:29:24,640 --> 00:29:27,880
Speaker 1: what happens you give us a level playing field. Guess

515
00:29:27,880 --> 00:29:31,959
Speaker 1: who wins? We do all the time, and guess who

516
00:29:32,000 --> 00:29:34,160
Speaker 1: else wins? The country wins. And that's what makes me

517
00:29:34,240 --> 00:29:36,760
Speaker 1: mad about racism. I always tell people, you know what,

518
00:29:36,880 --> 00:29:39,600
Speaker 1: some man all my life, I'm I'm a black man.

519
00:29:39,720 --> 00:29:42,800
Speaker 1: I groping up black. All I ever wounded man was

520
00:29:42,880 --> 00:29:45,800
Speaker 1: the was the lifestyle of a white person. That's why

521
00:29:45,840 --> 00:29:48,120
Speaker 1: I went to college to get educated so I can

522
00:29:48,160 --> 00:29:50,560
Speaker 1: live in a better neighborhood. All I've ever wanted was

523
00:29:50,640 --> 00:29:52,280
Speaker 1: my child to have a better life than I have.

524
00:29:52,840 --> 00:29:55,360
Speaker 1: What does the same values to everybody in America wants.

525
00:29:55,760 --> 00:29:58,240
Speaker 1: But because when you try to pursue these values, people

526
00:29:58,280 --> 00:30:00,600
Speaker 1: looking at it because of our color, the color skating,

527
00:30:01,040 --> 00:30:04,360
Speaker 1: we're not giving equal opportunity to have that same opportunity

528
00:30:04,360 --> 00:30:06,640
Speaker 1: because guess what, they don't want us to move into suburbs,

529
00:30:06,840 --> 00:30:08,200
Speaker 1: then we don't want us to move in the better

530
00:30:08,240 --> 00:30:10,320
Speaker 1: they woods. And so when I say this, I'm not

531
00:30:10,400 --> 00:30:13,440
Speaker 1: saying this as a as a radical person. I'm just

532
00:30:13,520 --> 00:30:17,320
Speaker 1: saying the facts is you give us an opportunity, we

533
00:30:17,480 --> 00:30:21,960
Speaker 1: become better taxpaying citizens. The community gets better, the education

534
00:30:22,040 --> 00:30:25,920
Speaker 1: gets better, the jail system is less important in our community,

535
00:30:26,280 --> 00:30:34,720
Speaker 1: and America wins. That is how you make America better. Well,

536
00:30:34,800 --> 00:30:38,600
Speaker 1: the that is a that is very true. I can't

537
00:30:38,800 --> 00:30:42,960
Speaker 1: agree with that more. And the reality is um that

538
00:30:43,120 --> 00:30:45,640
Speaker 1: if we do become fully a part of the economy,

539
00:30:46,200 --> 00:30:49,240
Speaker 1: the whole place gets better. Yes, and we're able to

540
00:30:49,240 --> 00:30:51,720
Speaker 1: get all votes rise. It's not. It's not at the

541
00:30:52,240 --> 00:30:54,960
Speaker 1: expense of somebody else. All votes rise. And that's what

542
00:30:55,040 --> 00:30:58,200
Speaker 1: we got to keep in mind. My friend, we will

543
00:30:58,280 --> 00:30:59,959
Speaker 1: talk soon. You just let me know if you want

544
00:31:00,000 --> 00:31:03,760
Speaker 1: to a zoom call or whatever. Um and my passion

545
00:31:03,880 --> 00:31:06,080
Speaker 1: and my God, the talents the God gave him. My

546
00:31:06,160 --> 00:31:09,960
Speaker 1: DNA is allied with what you're trying to do. Let's

547
00:31:10,040 --> 00:31:12,400
Speaker 1: let's let's just change the world, Okay, especially in the

548
00:31:12,440 --> 00:31:16,800
Speaker 1: minority communities. All right, all day, I'm your partner on that.

549
00:31:16,960 --> 00:31:18,760
Speaker 1: Thank you, sir. I appreciate you. Thank you for calling

550
00:31:18,840 --> 00:31:20,959
Speaker 1: my show, Money Making Conversation. If you want to hear

551
00:31:21,040 --> 00:31:24,120
Speaker 1: any interview, just go to Money Making Conversation dot com.

552
00:31:24,480 --> 00:31:31,200
Speaker 1: I'm ra Sean McDonald. I'm your host. In this season

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