1
00:00:16,560 --> 00:00:19,599
Speaker 1: I am officially well, Mark, welcome to the Brown Table,

2
00:00:20,040 --> 00:00:20,800
Speaker 1: the Brown Table.

3
00:00:21,640 --> 00:00:25,320
Speaker 2: I'm very happy that I helped you to discover that

4
00:00:25,320 --> 00:00:26,279
Speaker 2: that working.

5
00:00:27,120 --> 00:00:29,360
Speaker 3: I just want I just want my money, that's all.

6
00:00:32,040 --> 00:00:32,880
Speaker 3: I even made a.

7
00:00:32,800 --> 00:00:37,879
Speaker 2: Sign I want my money, and I even had the

8
00:00:38,000 --> 00:00:40,760
Speaker 2: brown shirt all to remind you that.

9
00:00:41,200 --> 00:00:44,479
Speaker 1: I got it. And like, how much money do you

10
00:00:44,560 --> 00:00:49,120
Speaker 1: think that you deserve for that little nugget of wisdom?

11
00:00:49,479 --> 00:00:52,519
Speaker 3: We'll contact your people figure that stuff out.

12
00:00:52,920 --> 00:00:54,640
Speaker 1: Well, I know you don't got no people. You're over

13
00:00:54,680 --> 00:00:57,360
Speaker 1: there just doing it all yourself. Is you ain't got

14
00:00:57,400 --> 00:01:01,680
Speaker 1: no people? So yeah, I think if you maybe hadn't

15
00:01:01,680 --> 00:01:06,199
Speaker 1: spend so much money on like custom outerwear, uh and

16
00:01:06,520 --> 00:01:10,840
Speaker 1: that obnoxious uh logo behind you hanging up on what

17
00:01:10,880 --> 00:01:11,759
Speaker 1: do we even call that?

18
00:01:12,280 --> 00:01:16,160
Speaker 3: Your your hoodies in the mail? By the way, is it? Yeah?

19
00:01:16,920 --> 00:01:20,440
Speaker 1: I really have never been more grateful to know that

20
00:01:20,520 --> 00:01:23,560
Speaker 1: federal workers are being furloughed and that maybe, just maybe

21
00:01:23,600 --> 00:01:31,480
Speaker 1: it won't find its way here. Courier vision not career vision.

22
00:01:31,800 --> 00:01:36,640
Speaker 1: All right, Well, if y'all have not heard of Mark Russell,

23
00:01:37,400 --> 00:01:39,399
Speaker 1: what's wrong with you? I think you? Have you ever

24
00:01:39,400 --> 00:01:40,200
Speaker 1: been on the show before?

25
00:01:40,280 --> 00:01:40,480
Speaker 4: Mark?

26
00:01:40,720 --> 00:01:43,080
Speaker 3: I have no?

27
00:01:43,160 --> 00:01:50,000
Speaker 2: I lied, I lied, no me and.

28
00:01:47,920 --> 00:01:49,640
Speaker 1: Oh, I brought you on for like a yeah, a

29
00:01:49,680 --> 00:01:54,360
Speaker 1: bonus like Halloween episode. That's right, I was just trying

30
00:01:54,400 --> 00:01:56,080
Speaker 1: to probably appease you, like I don't have throw on

31
00:01:56,120 --> 00:02:01,760
Speaker 1: a bone, get on the Halloween episode. Well, Mark is

32
00:02:01,840 --> 00:02:05,600
Speaker 1: the founder of Wow, I wonder what it's called better

33
00:02:06,120 --> 00:02:08,200
Speaker 1: What was that again? Ah, there you go, thank you

34
00:02:08,320 --> 00:02:12,080
Speaker 1: Better Wallet, which tell the people about better Wallet and

35
00:02:12,080 --> 00:02:12,919
Speaker 1: what you do. Mark.

36
00:02:14,880 --> 00:02:18,160
Speaker 2: Mandy's like my older sister, so she just teases me

37
00:02:18,200 --> 00:02:21,160
Speaker 2: for everything that I do. But sometimes people will need

38
00:02:21,200 --> 00:02:23,360
Speaker 2: to be humbled. So I have a couple of people

39
00:02:23,360 --> 00:02:26,560
Speaker 2: like that in my life. Thank God for people like Chris.

40
00:02:27,680 --> 00:02:32,480
Speaker 2: But Better Well, it's all about teaching first generational investors

41
00:02:32,520 --> 00:02:34,480
Speaker 2: how to invest, how to make money work for them,

42
00:02:35,240 --> 00:02:38,959
Speaker 2: and it came from my time working in personal finance

43
00:02:39,320 --> 00:02:43,120
Speaker 2: financial services, working for companies like Vanguard and Blackstone, where

44
00:02:43,280 --> 00:02:46,560
Speaker 2: I found that our people were not represented in the

45
00:02:46,600 --> 00:02:49,680
Speaker 2: clientele that they were trying to go after. So over

46
00:02:49,760 --> 00:02:52,760
Speaker 2: some time, I wanted to take what I've learned from

47
00:02:52,760 --> 00:02:55,440
Speaker 2: the school of hard Knuts, in addition to everything that

48
00:02:55,480 --> 00:02:59,240
Speaker 2: I've learned from me getting my finances together, as well

49
00:02:59,240 --> 00:03:02,120
Speaker 2: as being a financial advisor and stockbroker to provide that

50
00:03:02,200 --> 00:03:06,480
Speaker 2: information to the people. It really started me talking about

51
00:03:06,600 --> 00:03:09,560
Speaker 2: on social media what any other millennial would do, and

52
00:03:10,080 --> 00:03:12,920
Speaker 2: it became the brand that you can see now.

53
00:03:14,639 --> 00:03:14,799
Speaker 4: Now.

54
00:03:14,880 --> 00:03:19,120
Speaker 2: I'm I'm privileged enough to work with so many people

55
00:03:19,360 --> 00:03:22,240
Speaker 2: and helping them build true train additional wealth for their families.

56
00:03:22,320 --> 00:03:25,920
Speaker 2: So it's it was a hobby that became a mission

57
00:03:26,280 --> 00:03:27,760
Speaker 2: and became the business that it is.

58
00:03:28,440 --> 00:03:31,000
Speaker 1: What year was that that you that you left Vanguard

59
00:03:31,000 --> 00:03:32,200
Speaker 1: and went full time.

60
00:03:34,480 --> 00:03:37,200
Speaker 3: Full time twenty one earlier?

61
00:03:37,240 --> 00:03:40,080
Speaker 2: But I couldn't wrap my head around the fact that

62
00:03:40,160 --> 00:03:43,800
Speaker 2: people were entrepreneurs and they didn't have to rely on,

63
00:03:44,160 --> 00:03:47,240
Speaker 2: you know, someone else to uh to provide a living

64
00:03:47,280 --> 00:03:48,760
Speaker 2: for their their family and everything.

65
00:03:48,840 --> 00:03:50,280
Speaker 3: So it took me some time.

66
00:03:50,360 --> 00:03:52,560
Speaker 2: But after a couple of conversations with people who have

67
00:03:52,600 --> 00:03:54,520
Speaker 2: already done it, I was like, Okay, well I'm going

68
00:03:54,600 --> 00:03:57,000
Speaker 2: to make the jump and went back home after a

69
00:03:57,040 --> 00:03:59,400
Speaker 2: conference where I was talking to people about it and

70
00:03:59,440 --> 00:04:01,320
Speaker 2: put in my two weeks and haven't looked back.

71
00:04:01,560 --> 00:04:03,840
Speaker 4: Let's go. Yeah.

72
00:04:04,080 --> 00:04:04,800
Speaker 1: Was that fin Con?

73
00:04:05,320 --> 00:04:07,120
Speaker 4: It was? Yeah?

74
00:04:08,280 --> 00:04:10,960
Speaker 1: Won in Austin and you and I met for the

75
00:04:11,000 --> 00:04:12,880
Speaker 1: first time at fin Con twenty twenty two, which was

76
00:04:12,880 --> 00:04:15,240
Speaker 1: like my return to finn Conn after many years of

77
00:04:15,320 --> 00:04:18,200
Speaker 1: not having been there and like you know, having been

78
00:04:18,200 --> 00:04:24,559
Speaker 1: completely out of the loop. Wow okay, wow right yeah,

79
00:04:24,600 --> 00:04:27,120
Speaker 1: but we got the chance again to like sit next

80
00:04:27,160 --> 00:04:29,679
Speaker 1: to one another out of dinner in Atlanta at finn Con,

81
00:04:29,800 --> 00:04:32,279
Speaker 1: and that's when I knew, Like I'm like, oh, instant,

82
00:04:32,720 --> 00:04:35,720
Speaker 1: I want I want a new new brother, new brother

83
00:04:35,760 --> 00:04:38,920
Speaker 1: to my collection because you're just like you have such

84
00:04:38,960 --> 00:04:42,600
Speaker 1: great energy. But tell people, mister Chris, this is not

85
00:04:42,720 --> 00:04:45,120
Speaker 1: this is other Chris. Okay, so the BA fan is

86
00:04:45,200 --> 00:04:46,040
Speaker 1: used to Chris Browning.

87
00:04:46,120 --> 00:04:49,680
Speaker 4: This is Chris Corinthians popcorn finance Chris, who was an

88
00:04:49,720 --> 00:04:54,680
Speaker 4: awesome guy. Awesome you know, I don't know special thing

89
00:04:54,680 --> 00:04:57,200
Speaker 4: for Chris's but I mean Chris, yes it, I mean,

90
00:04:57,240 --> 00:04:59,600
Speaker 4: you give it to him. It's all love. But he

91
00:04:59,760 --> 00:05:03,640
Speaker 4: just miles through it. So I was like, come on, Chris,

92
00:05:03,720 --> 00:05:05,560
Speaker 4: you're representing for the Chris Is. When I listened to

93
00:05:05,600 --> 00:05:08,479
Speaker 4: him on the show, it's just funny to me, Oh.

94
00:05:08,360 --> 00:05:11,679
Speaker 1: You're like in that, oh Chris, Like Chris is a victim,

95
00:05:12,600 --> 00:05:12,880
Speaker 1: you know.

96
00:05:12,960 --> 00:05:15,400
Speaker 4: Chris, Chris is have to stick together that kind of thing.

97
00:05:17,560 --> 00:05:20,120
Speaker 1: Do you You're safe here?

98
00:05:20,200 --> 00:05:20,479
Speaker 4: Okay?

99
00:05:22,839 --> 00:05:25,599
Speaker 1: But yeah, all right, well yeah, tell us all about you,

100
00:05:25,680 --> 00:05:27,520
Speaker 1: mister finlack guy. So we got to know.

101
00:05:27,640 --> 00:05:30,000
Speaker 4: My name is Chris Corinthian. I go by the finlack guy,

102
00:05:30,520 --> 00:05:34,000
Speaker 4: and I worked in higher ed for almost twenty years.

103
00:05:34,600 --> 00:05:36,320
Speaker 4: Most of that time was spent in the areas of

104
00:05:36,400 --> 00:05:40,919
Speaker 4: financial aid of financial literacy and I'm coming up on

105
00:05:40,960 --> 00:05:45,600
Speaker 4: a year actually doing this full time. So I was

106
00:05:46,040 --> 00:05:49,719
Speaker 4: working at different universities for adult educators, at vacational technical

107
00:05:49,720 --> 00:05:52,400
Speaker 4: schools and traditional four years. And during that time I

108
00:05:52,480 --> 00:05:55,120
Speaker 4: used to see students that would drop out for lack

109
00:05:55,160 --> 00:05:58,560
Speaker 4: of finances or you know, going to massive amounts of

110
00:05:58,600 --> 00:06:02,039
Speaker 4: debt and still drive out or finished, but then still

111
00:06:02,040 --> 00:06:04,560
Speaker 4: had this burden on them when they graduated. But there

112
00:06:04,560 --> 00:06:06,359
Speaker 4: were other students that I saw that would actually go

113
00:06:06,360 --> 00:06:08,760
Speaker 4: to school debt free. And then I just started studying

114
00:06:08,800 --> 00:06:11,520
Speaker 4: over the years what were the specific habits that they

115
00:06:11,600 --> 00:06:14,560
Speaker 4: had which allowed all of them from various backgrounds to

116
00:06:14,600 --> 00:06:17,800
Speaker 4: graduate debt free. And so that was my focus on

117
00:06:18,040 --> 00:06:21,520
Speaker 4: that along with personal finance, you know, helping students and

118
00:06:21,680 --> 00:06:24,479
Speaker 4: parents with the building blocks of personal finance, right just

119
00:06:24,520 --> 00:06:27,880
Speaker 4: basic budgeting and how's credit established and how is it built?

120
00:06:28,000 --> 00:06:30,760
Speaker 4: Things like that. But my focus now is just working

121
00:06:30,760 --> 00:06:33,880
Speaker 4: with parents of students that are going to college or

122
00:06:33,960 --> 00:06:35,919
Speaker 4: planning to go to college, and showing them how to

123
00:06:35,960 --> 00:06:39,520
Speaker 4: go to school without taking out student loans, without debt altogether.

124
00:06:41,080 --> 00:06:44,839
Speaker 1: Damn Okay, Like what would tell us what's the secret?

125
00:06:45,320 --> 00:06:48,680
Speaker 1: I mean, especially at the time latest when you don't

126
00:06:48,680 --> 00:06:50,800
Speaker 1: know if you're going to have federal aid at all

127
00:06:50,920 --> 00:06:51,760
Speaker 1: for education?

128
00:06:52,240 --> 00:06:57,840
Speaker 4: Right, absolutely, So I'll give the broad overview strategy and

129
00:06:57,880 --> 00:07:00,000
Speaker 4: then if we want so, we could dig deep into it.

130
00:07:00,400 --> 00:07:03,840
Speaker 4: But there are certain there were several data out there

131
00:07:03,880 --> 00:07:06,479
Speaker 4: saying that there's hundreds of millions of dollars over one

132
00:07:06,520 --> 00:07:10,400
Speaker 4: hundred million dollars of unclaimed scholarships each year. So it's

133
00:07:10,440 --> 00:07:12,840
Speaker 4: not that people are applying for scholarships and get denied,

134
00:07:13,040 --> 00:07:15,840
Speaker 4: but it's just free money sitting out there for people

135
00:07:15,880 --> 00:07:19,080
Speaker 4: to go to college, and nobody's applying for it. And

136
00:07:19,120 --> 00:07:23,000
Speaker 4: so that's the main foundation. So now that we have that,

137
00:07:23,400 --> 00:07:26,040
Speaker 4: now what's keeping people from applying for these scholarships? And

138
00:07:26,080 --> 00:07:28,160
Speaker 4: most of the time is they don't know what to

139
00:07:28,160 --> 00:07:30,240
Speaker 4: write about when it comes to essays, They don't know

140
00:07:30,280 --> 00:07:33,600
Speaker 4: where to find these scholarships, right, and they don't have

141
00:07:33,680 --> 00:07:36,560
Speaker 4: a real strategy on how to apply for it. Because

142
00:07:36,600 --> 00:07:39,320
Speaker 4: some will apply for maybe five, ten, fifteen scholarships, get

143
00:07:39,360 --> 00:07:41,960
Speaker 4: burned out and they'll say I didn't win anything. It's

144
00:07:42,000 --> 00:07:44,760
Speaker 4: not going to work for me, right, or some people

145
00:07:44,800 --> 00:07:47,360
Speaker 4: think that I have to have little to no money

146
00:07:47,800 --> 00:07:50,480
Speaker 4: or be of a certain demographic in order to get scholarships.

147
00:07:50,520 --> 00:07:52,480
Speaker 4: But there are several types, and there are you know,

148
00:07:52,560 --> 00:07:55,760
Speaker 4: merit based scholarships, which is a lot of the focus

149
00:07:55,840 --> 00:07:57,520
Speaker 4: that we have when we work with our parents and

150
00:07:57,560 --> 00:08:01,560
Speaker 4: students as well as other scholarships. But we don't even

151
00:08:01,600 --> 00:08:04,120
Speaker 4: focus necessarily on the federal funding. So if it's here,

152
00:08:04,160 --> 00:08:07,640
Speaker 4: if it's not, that's just a bonus when it comes

153
00:08:07,680 --> 00:08:09,960
Speaker 4: to the type of money. So we look at institutional funding.

154
00:08:10,000 --> 00:08:14,800
Speaker 4: We look at local scholarships where your least competitive scholarships

155
00:08:14,800 --> 00:08:17,520
Speaker 4: will lie, so with the school district, with your school,

156
00:08:17,800 --> 00:08:21,440
Speaker 4: with different organizations and businesses, rooting for the hometown heroes

157
00:08:21,480 --> 00:08:24,040
Speaker 4: or rooting for those students that are in their local community.

158
00:08:24,320 --> 00:08:26,360
Speaker 4: And then when you have those specific majors that are

159
00:08:26,400 --> 00:08:29,760
Speaker 4: your tied to, then it just brings down that competition

160
00:08:29,840 --> 00:08:33,880
Speaker 4: barrier much lower and increases the chances of success. Now,

161
00:08:33,920 --> 00:08:37,120
Speaker 4: the other thing is it's a numbers game and a

162
00:08:37,200 --> 00:08:39,800
Speaker 4: law of averages game. Right. So, if you apply for

163
00:08:39,800 --> 00:08:42,320
Speaker 4: five scholarships and expect to go to schools that free,

164
00:08:42,640 --> 00:08:46,040
Speaker 4: most likely you won't get any scholarships, right, And so

165
00:08:46,120 --> 00:08:48,080
Speaker 4: one of the things I talk to students and parents

166
00:08:48,120 --> 00:08:50,439
Speaker 4: about is applying for ten times the amount you need.

167
00:08:51,559 --> 00:08:54,240
Speaker 4: So if you need fifty yeah, right, exactly, And when

168
00:08:54,280 --> 00:08:56,679
Speaker 4: you think, let's say you need fifty thousand dollars to

169
00:08:56,720 --> 00:08:59,280
Speaker 4: go to school, you need apply for five hundred thousand

170
00:08:59,320 --> 00:09:05,400
Speaker 4: dollars in order to get the odds in your favor. Right.

171
00:09:05,480 --> 00:09:08,480
Speaker 4: So if ninety percent of the scholarships, which most of

172
00:09:08,520 --> 00:09:11,000
Speaker 4: the scholarships you apply for, will reject you, you'll get

173
00:09:11,000 --> 00:09:13,679
Speaker 4: denied for most of the scholarships you apply for. And

174
00:09:13,760 --> 00:09:16,320
Speaker 4: so we shoot for ten percent success rates. So if

175
00:09:16,360 --> 00:09:19,000
Speaker 4: ninety percent of them say no, you're still good and

176
00:09:19,040 --> 00:09:21,480
Speaker 4: then apply for at least one hundred and so we

177
00:09:21,520 --> 00:09:23,679
Speaker 4: do this thing where we do to today and then

178
00:09:23,679 --> 00:09:25,520
Speaker 4: that's the focus. If you have your.

179
00:09:25,480 --> 00:09:29,080
Speaker 1: Essays, Chris, that sounds cherable.

180
00:09:29,840 --> 00:09:32,480
Speaker 4: Yeah, I know, I know, I know the money that

181
00:09:32,480 --> 00:09:34,280
Speaker 4: you get back end.

182
00:09:34,600 --> 00:09:36,400
Speaker 1: But if you're there, so you're like there to hold

183
00:09:36,400 --> 00:09:40,240
Speaker 1: their hand and like, yeah, coach them through that process, right.

184
00:09:40,120 --> 00:09:42,079
Speaker 4: Absolutely, But the hardest thing is just having your five

185
00:09:42,200 --> 00:09:45,600
Speaker 4: essential essays because you usually use just the same five

186
00:09:45,679 --> 00:09:47,560
Speaker 4: over and over again and just tweak a little bit

187
00:09:47,600 --> 00:09:50,080
Speaker 4: of your story. And once you have that hardest part

188
00:09:50,120 --> 00:09:52,480
Speaker 4: out the way, then all you're doing is wash rents

189
00:09:52,480 --> 00:09:54,480
Speaker 4: and repeating. You don't have to look for scholarships because

190
00:09:54,520 --> 00:09:56,719
Speaker 4: you have them all there. Now you have your five

191
00:09:56,800 --> 00:10:00,560
Speaker 4: essential essays, so all you have to do is copy paste, tweak,

192
00:10:01,360 --> 00:10:03,440
Speaker 4: and so you might spend twenty thirty minutes a day

193
00:10:03,800 --> 00:10:06,640
Speaker 4: just click, click send. You have everything in the drive

194
00:10:06,720 --> 00:10:09,040
Speaker 4: for you. So now you can spend twenty to thirty

195
00:10:09,040 --> 00:10:11,280
Speaker 4: minutes a day and it's not overwhelming.

196
00:10:11,720 --> 00:10:14,600
Speaker 1: As how many of your clients are like, well, can

197
00:10:14,679 --> 00:10:16,600
Speaker 1: I just get chat GPT to write this week?

198
00:10:17,960 --> 00:10:20,960
Speaker 4: So what's interesting is that because I look, when chat

199
00:10:21,000 --> 00:10:24,400
Speaker 4: GPT first came out, you could just put that in

200
00:10:24,480 --> 00:10:27,080
Speaker 4: say hey, I'm going for the scholarship and boom boom boom.

201
00:10:27,120 --> 00:10:30,840
Speaker 4: But now Chat has this failsafet where if you put

202
00:10:30,840 --> 00:10:33,560
Speaker 4: it in there, it'll say, no, we can't respond for

203
00:10:33,640 --> 00:10:38,520
Speaker 4: scholarship things. So now, because what some people used to

204
00:10:38,559 --> 00:10:41,840
Speaker 4: do is they say, okay, here's my information, here's a

205
00:10:41,880 --> 00:10:44,760
Speaker 4: scholarship prompt, write me an essay so that I can

206
00:10:44,800 --> 00:10:48,679
Speaker 4: win this. Yeah. Right, But now most of the organizations

207
00:10:48,679 --> 00:10:51,120
Speaker 4: are doing their AI check to see if you're using

208
00:10:51,760 --> 00:10:54,200
Speaker 4: any type of AI to write your essays. So if

209
00:10:54,200 --> 00:10:56,240
Speaker 4: you do that, they'll catch you. And a lot of

210
00:10:56,240 --> 00:10:59,440
Speaker 4: professors everybody's starting to see if you use any of

211
00:10:59,480 --> 00:11:03,400
Speaker 4: those AI AI southward to get.

212
00:11:03,240 --> 00:11:07,720
Speaker 1: It ooh okay, all right, hmmm, I mean that sounds

213
00:11:07,720 --> 00:11:10,679
Speaker 1: incredibly useful. But like, as a business, how are you

214
00:11:10,720 --> 00:11:12,640
Speaker 1: making money off? Because you got to you said, you've

215
00:11:12,640 --> 00:11:14,480
Speaker 1: been in this for like a year. How are you

216
00:11:14,679 --> 00:11:15,600
Speaker 1: supporting yourself?

217
00:11:15,640 --> 00:11:19,840
Speaker 4: So glad you asked. So when I bring parents and

218
00:11:19,880 --> 00:11:22,160
Speaker 4: students in, I assigned coaches to them. So one of

219
00:11:22,160 --> 00:11:24,520
Speaker 4: my coaches, she went over a million dollars in scholarships,

220
00:11:25,120 --> 00:11:27,760
Speaker 4: and so she helps them find the scholarship. She just

221
00:11:27,840 --> 00:11:30,559
Speaker 4: uses a lot of the same procedures and spreadsheets and

222
00:11:30,600 --> 00:11:32,600
Speaker 4: everything that she does, and then she's assigned to him.

223
00:11:32,760 --> 00:11:34,439
Speaker 4: I have another guy, as a matter of fact, I

224
00:11:34,480 --> 00:11:36,720
Speaker 4: met him in Fincon two. I have another guy who

225
00:11:36,760 --> 00:11:41,400
Speaker 4: actually created a course specifically for writing scholarship essays. He's

226
00:11:41,400 --> 00:11:43,720
Speaker 4: an English teacher, and then he says, there's a difference

227
00:11:43,760 --> 00:11:45,720
Speaker 4: for writing an English paper than it is for telling

228
00:11:45,720 --> 00:11:48,000
Speaker 4: a story. And then he tucks them through the hero's

229
00:11:48,040 --> 00:11:50,280
Speaker 4: journey and all these other things. And then he's assigned

230
00:11:50,280 --> 00:11:54,160
Speaker 4: to him too, right and so, and then they have

231
00:11:54,280 --> 00:11:56,480
Speaker 4: these modules and everything that they go through. But if

232
00:11:56,480 --> 00:11:58,840
Speaker 4: they have questions, they meet with me weekly in a

233
00:11:58,840 --> 00:12:01,560
Speaker 4: group coaching call and then I answer any of your questions,

234
00:12:01,600 --> 00:12:04,560
Speaker 4: find out update statuses along with the other two coaches.

235
00:12:04,600 --> 00:12:06,960
Speaker 4: So that's how I get money.

236
00:12:07,200 --> 00:12:09,080
Speaker 1: And then they pay for the group coaches.

237
00:12:09,120 --> 00:12:11,160
Speaker 4: They pay for the coaching and the individual coaches. They

238
00:12:11,200 --> 00:12:13,719
Speaker 4: just pay for everything, and I walk them through and

239
00:12:13,800 --> 00:12:15,320
Speaker 4: then I give them guarantees. So I say, if they

240
00:12:15,360 --> 00:12:17,120
Speaker 4: don't go to school debt free and they get one

241
00:12:17,160 --> 00:12:21,160
Speaker 4: hundred percent of their money back, well damn yeah, because

242
00:12:21,200 --> 00:12:24,400
Speaker 4: that's veryous, right, because up to a certain amount. So

243
00:12:25,040 --> 00:12:27,360
Speaker 4: it's not like they said, okay, well my school's gonna

244
00:12:27,360 --> 00:12:29,400
Speaker 4: be two hundred thousand dollars a year. I'm like, okay,

245
00:12:29,440 --> 00:12:30,160
Speaker 4: well no.

246
00:12:31,360 --> 00:12:35,040
Speaker 1: Yeah, which is like not I mean, maybe not per year,

247
00:12:35,120 --> 00:12:39,560
Speaker 1: but certainly like four years, absolutely yeah, that's not unheard.

248
00:12:39,440 --> 00:12:43,280
Speaker 4: Yeah, but no per year, per year, yeah, absolutely so.

249
00:12:43,280 --> 00:12:46,480
Speaker 4: So so I take on all the risk, you know,

250
00:12:46,559 --> 00:12:48,360
Speaker 4: as long as you do what you're supposed to do,

251
00:12:48,920 --> 00:12:50,240
Speaker 4: and there are a number of things that they need

252
00:12:50,280 --> 00:12:51,960
Speaker 4: to do to me, because it's not like, Okay, I

253
00:12:52,000 --> 00:12:53,680
Speaker 4: don't do anything and I'm just gonna go to school

254
00:12:53,720 --> 00:12:55,240
Speaker 4: for free. But as long as they do the things

255
00:12:55,240 --> 00:12:59,359
Speaker 4: they're supposed to do, then we take on all the risks.

256
00:13:00,120 --> 00:13:03,200
Speaker 1: To keep your number for when I'm sending my kids

257
00:13:03,200 --> 00:13:05,120
Speaker 1: off the car, I got you, I got you.

258
00:13:06,160 --> 00:13:09,280
Speaker 2: So normally you're talking to the parents directly and then

259
00:13:09,400 --> 00:13:11,640
Speaker 2: they basically tell their kid, hey, do this.

260
00:13:12,200 --> 00:13:12,440
Speaker 4: Yeah.

261
00:13:12,720 --> 00:13:15,480
Speaker 3: So during the coaching call, is it with the parent or.

262
00:13:15,679 --> 00:13:18,600
Speaker 4: The it's with the parent and then and the students

263
00:13:18,600 --> 00:13:20,760
Speaker 4: sometimes so sometimes a parent and the student are on,

264
00:13:21,040 --> 00:13:24,240
Speaker 4: but a lot of times it's the parent that's going

265
00:13:24,280 --> 00:13:27,080
Speaker 4: to make the student do it right because the students

266
00:13:27,080 --> 00:13:28,480
Speaker 4: trying to pay for coach and they're like, I ain't

267
00:13:28,480 --> 00:13:32,959
Speaker 4: gonna money. Yeah, they were like, I ain't really doing this,

268
00:13:33,360 --> 00:13:35,720
Speaker 4: or but the parent is just like, oh, no, you're

269
00:13:35,760 --> 00:13:38,560
Speaker 4: doing this because I ain't got the money. I don't

270
00:13:38,600 --> 00:13:40,320
Speaker 4: have the money to pay for all of this, and

271
00:13:40,600 --> 00:13:42,560
Speaker 4: you're gonna need to do it. And so far, the

272
00:13:42,559 --> 00:13:44,160
Speaker 4: students that have worked with us, that have done the

273
00:13:44,160 --> 00:13:46,040
Speaker 4: work got to get scholarship.

274
00:13:45,600 --> 00:13:47,800
Speaker 1: Like I mean, in Georgia, I had the Hope scholarship.

275
00:13:48,000 --> 00:13:51,520
Speaker 1: Did you go to school in Georgia, Chris, Yes, yes, okay, yeah,

276
00:13:51,559 --> 00:13:53,760
Speaker 1: so we had. I had Hope, but then my brother

277
00:13:53,800 --> 00:13:57,160
Speaker 1: who's five years younger than me behind me, he had

278
00:13:57,240 --> 00:14:00,320
Speaker 1: Hope too, but it wasn't as generous by the they

279
00:14:00,320 --> 00:14:02,440
Speaker 1: had like made it tougher to qualify for the full

280
00:14:02,480 --> 00:14:05,520
Speaker 1: benefit and like, so he graduated with like fifty K

281
00:14:05,600 --> 00:14:07,520
Speaker 1: of student loans and I graduated with eight.

282
00:14:07,960 --> 00:14:12,160
Speaker 4: So I it was only eighty percent of tuition, whereas

283
00:14:12,200 --> 00:14:14,839
Speaker 4: Hope paid for everything. It's like, okay, we'll cover all

284
00:14:14,880 --> 00:14:17,240
Speaker 4: of that for you versus eighty percent of just tuition

285
00:14:17,400 --> 00:14:18,120
Speaker 4: and not the fees.

286
00:14:18,240 --> 00:14:20,800
Speaker 1: But thank goodness, I did not have like that much debt,

287
00:14:20,840 --> 00:14:25,280
Speaker 1: because it really is like you're starting off your life.

288
00:14:25,360 --> 00:14:27,600
Speaker 1: And the way that they talk about student loans too,

289
00:14:27,600 --> 00:14:30,600
Speaker 1: it's almost as if well, this isn't really debt. This

290
00:14:30,800 --> 00:14:33,680
Speaker 1: is like it they really do, and so you almost

291
00:14:33,680 --> 00:14:36,280
Speaker 1: feel like, well, it's fine, it's totally fine, but no,

292
00:14:36,360 --> 00:14:37,800
Speaker 1: it's it's real debt.

293
00:14:39,120 --> 00:14:40,320
Speaker 3: Yeah, no, it truly is.

294
00:14:40,440 --> 00:14:43,320
Speaker 2: I mean I came out with about twenty five thousand

295
00:14:43,400 --> 00:14:46,960
Speaker 2: and student loan debt. No, I lied, No, it's my

296
00:14:47,040 --> 00:14:50,200
Speaker 2: car payment. It was fifty thousand. It was fifty thousand

297
00:14:50,280 --> 00:14:53,000
Speaker 2: all together, and then my car was about twenty five.

298
00:14:53,840 --> 00:14:56,680
Speaker 2: But it was it was brutal. I was living paycheck

299
00:14:56,720 --> 00:14:59,760
Speaker 2: to paycheck in the beginning because I had all those

300
00:14:59,800 --> 00:15:02,760
Speaker 2: debts payments, and if you have multiple like I had

301
00:15:02,840 --> 00:15:05,320
Speaker 2: one that came directly from Penn State. Then I had

302
00:15:05,360 --> 00:15:07,760
Speaker 2: my federal debt as well, and both of them were

303
00:15:07,840 --> 00:15:10,920
Speaker 2: due like around the same time. So I it was

304
00:15:11,000 --> 00:15:13,400
Speaker 2: crippling initially.

305
00:15:13,480 --> 00:15:17,400
Speaker 3: Damn yeah, I mean it really start off as a

306
00:15:17,440 --> 00:15:17,920
Speaker 3: young kid.

307
00:15:18,040 --> 00:15:20,600
Speaker 2: I mean I grew up in a very small town

308
00:15:20,680 --> 00:15:22,960
Speaker 2: and no one around me really had any money. I

309
00:15:23,000 --> 00:15:25,440
Speaker 2: didn't really get like an allowance or anything of that nage.

310
00:15:25,480 --> 00:15:27,840
Speaker 2: I didn't want to do the things that my friends

311
00:15:27,840 --> 00:15:31,200
Speaker 2: were doing that they didn't have to pay taxes on, right,

312
00:15:31,360 --> 00:15:35,880
Speaker 2: So I did everything I possibly could wink wink. So

313
00:15:36,560 --> 00:15:40,920
Speaker 2: I've always had that entrepreneurial spirit, and even going off

314
00:15:40,920 --> 00:15:43,960
Speaker 2: to college, I had to work odd jobs in order

315
00:15:44,000 --> 00:15:47,400
Speaker 2: to pay for school. I was selling plasma, which I

316
00:15:47,480 --> 00:15:49,760
Speaker 2: don't recommend unless you're really in the donation.

317
00:15:50,600 --> 00:15:51,080
Speaker 3: Make sure you.

318
00:15:51,000 --> 00:15:54,200
Speaker 2: Consult your doctor. But I was an ra I was

319
00:15:54,440 --> 00:15:58,160
Speaker 2: a referee. I was handing out like flyers. So I've

320
00:15:58,160 --> 00:16:01,480
Speaker 2: always had that in my blood. And going to corporate

321
00:16:02,120 --> 00:16:04,680
Speaker 2: was the first time where someone told me, hey, you

322
00:16:04,720 --> 00:16:07,800
Speaker 2: only have to work nine to five, and I'm like, okay,

323
00:16:07,840 --> 00:16:08,960
Speaker 2: what do I do after five?

324
00:16:09,320 --> 00:16:11,200
Speaker 3: Like do I do I have to like I don't

325
00:16:11,200 --> 00:16:12,080
Speaker 3: have any kids, like what?

326
00:16:12,600 --> 00:16:16,760
Speaker 2: And I always remember just working so hard for van

327
00:16:16,800 --> 00:16:19,800
Speaker 2: Guard and all these other companies, and then I just

328
00:16:19,800 --> 00:16:21,480
Speaker 2: got to the point where I said, you know, like,

329
00:16:22,040 --> 00:16:24,320
Speaker 2: what if I could do is myself, What if I

330
00:16:24,320 --> 00:16:26,320
Speaker 2: could do with myself and I can work with the

331
00:16:26,320 --> 00:16:29,320
Speaker 2: people I truly want to work with, because as I mentioned,

332
00:16:29,440 --> 00:16:32,200
Speaker 2: they didn't really care for anyone that came from where

333
00:16:32,200 --> 00:16:33,960
Speaker 2: I came from, where they didn't know what a four

334
00:16:34,000 --> 00:16:36,120
Speaker 2: to one k or on ira or a broken's count was.

335
00:16:37,480 --> 00:16:41,120
Speaker 2: But yeah, over time, something that was a hobby, I

336
00:16:41,280 --> 00:16:45,360
Speaker 2: found ways to monetize the brand. And I mean the

337
00:16:45,480 --> 00:16:49,680
Speaker 2: jump came in twenty twenty one, but it took me

338
00:16:49,760 --> 00:16:53,120
Speaker 2: some time to actually realize that people can live off

339
00:16:53,200 --> 00:16:57,760
Speaker 2: the money that's coming in because for some reason, even

340
00:16:57,800 --> 00:16:59,320
Speaker 2: though I was making let's say I was making a

341
00:16:59,360 --> 00:17:02,880
Speaker 2: hundred thousand dollars at a vanguard type of company and

342
00:17:03,080 --> 00:17:04,920
Speaker 2: the business is bringing in one hundred thousand dollars.

343
00:17:04,920 --> 00:17:06,200
Speaker 3: It just felt different.

344
00:17:06,680 --> 00:17:10,439
Speaker 2: It felt as if that money wasn't guaranteed and the

345
00:17:10,480 --> 00:17:13,240
Speaker 2: money in corporate was guaranteed. And then on top of that,

346
00:17:13,720 --> 00:17:15,600
Speaker 2: I worked so hard to get there. You know, I

347
00:17:15,680 --> 00:17:17,960
Speaker 2: was one of the only black execs at the firm

348
00:17:18,040 --> 00:17:21,680
Speaker 2: that I end up leaving. So you take all that

349
00:17:21,760 --> 00:17:25,080
Speaker 2: and you say, Okay, why why me? And I learned,

350
00:17:25,240 --> 00:17:27,560
Speaker 2: you know, why not me? Why can't I take that jump?

351
00:17:27,800 --> 00:17:30,080
Speaker 2: And then I had to also redefine in my head

352
00:17:30,880 --> 00:17:33,120
Speaker 2: what true success is as.

353
00:17:32,920 --> 00:17:35,760
Speaker 3: A black male or anyone in general.

354
00:17:35,840 --> 00:17:37,160
Speaker 4: Right, And it.

355
00:17:37,160 --> 00:17:41,280
Speaker 2: Wasn't just getting that executive position or becoming a CEO.

356
00:17:42,080 --> 00:17:44,359
Speaker 2: Beyonce said, like pay me in equity, right, So, like,

357
00:17:44,400 --> 00:17:48,320
Speaker 2: I wanted to make sure that I owned whatever I

358
00:17:48,400 --> 00:17:51,760
Speaker 2: was working so hard on, because if I'm working, you know,

359
00:17:52,000 --> 00:17:56,320
Speaker 2: sixty hour sixty hour weeks, and I'm doing it for

360
00:17:56,520 --> 00:17:59,119
Speaker 2: a set salary, why can't I just do it for

361
00:17:59,200 --> 00:18:02,639
Speaker 2: my own business? So when I made the jump, it

362
00:18:02,720 --> 00:18:05,399
Speaker 2: took me about two weeks to realize that I was okay.

363
00:18:05,560 --> 00:18:08,280
Speaker 3: Like I was, I was swimming, like I was doing well.

364
00:18:08,680 --> 00:18:10,120
Speaker 3: And then now in this.

365
00:18:10,160 --> 00:18:12,240
Speaker 2: Point where I don't really have to worry about it

366
00:18:12,280 --> 00:18:16,560
Speaker 2: as much. But it was definitely nerve wracking in the beginning.

367
00:18:17,040 --> 00:18:20,480
Speaker 2: But you find out different ways, you create different systems,

368
00:18:20,520 --> 00:18:23,879
Speaker 2: you hire people, and that makes you feel more comfortable,

369
00:18:23,920 --> 00:18:27,080
Speaker 2: but you know, jumping from one company to another. Luckily

370
00:18:27,160 --> 00:18:29,400
Speaker 2: I was able to build up the company enough where

371
00:18:29,440 --> 00:18:31,800
Speaker 2: I had the record keeping, the bookkeeping. I was just

372
00:18:31,840 --> 00:18:34,399
Speaker 2: basically moving from one company to another, but I just

373
00:18:34,440 --> 00:18:36,760
Speaker 2: happened to have my name on the other one, so

374
00:18:37,600 --> 00:18:38,840
Speaker 2: feel way more comfortable.

375
00:18:40,480 --> 00:18:43,280
Speaker 1: Yeah, I mean, listening to that, Chris, You're a year

376
00:18:43,320 --> 00:18:49,400
Speaker 1: into this full time entrepreneur journey, and I feel like Mark,

377
00:18:49,640 --> 00:18:51,959
Speaker 1: we actually started our businesses around the same time. I mean,

378
00:18:51,960 --> 00:18:54,800
Speaker 1: I've been doing brand ambition since twenty fifteen, but me

379
00:18:55,000 --> 00:18:59,480
Speaker 1: leaving corporate and like launching going full time solopreneur that

380
00:18:59,600 --> 00:19:03,640
Speaker 1: was also like summer twenty twenty one. And I experienced

381
00:19:03,640 --> 00:19:06,600
Speaker 1: my first like really challenging year in twenty twenty four,

382
00:19:07,119 --> 00:19:10,199
Speaker 1: twenty twenty three, and twenty twenty four, where sort of

383
00:19:10,240 --> 00:19:14,000
Speaker 1: like business challenges and personal challenges like could you know,

384
00:19:14,720 --> 00:19:17,320
Speaker 1: just like swirled together and then I was like, wait

385
00:19:17,359 --> 00:19:20,280
Speaker 1: a minute, maybe I should just go on LinkedIn and

386
00:19:20,320 --> 00:19:23,440
Speaker 1: get me one of them good old jobs again, just

387
00:19:23,480 --> 00:19:26,159
Speaker 1: because it was so overwhelming when you're really struggling. And

388
00:19:26,200 --> 00:19:30,520
Speaker 1: then so for Chris, I just wonder what am I

389
00:19:30,560 --> 00:19:32,760
Speaker 1: trying to say. I could tell you A are you scared?

390
00:19:33,280 --> 00:19:33,840
Speaker 1: You scared?

391
00:19:34,359 --> 00:19:38,320
Speaker 4: So so for one, are you sure you want to

392
00:19:38,359 --> 00:19:42,359
Speaker 4: do this right? Exactly? It's my biggest reason why. So

393
00:19:42,480 --> 00:19:45,399
Speaker 4: my oldest son, Chris Junior. He's on the severe end

394
00:19:45,400 --> 00:19:49,720
Speaker 4: of the autism spectrum and he's nonverbal, and so everything,

395
00:19:50,160 --> 00:19:53,399
Speaker 4: my whole focus, my drive, everything is centered around that

396
00:19:53,600 --> 00:19:56,480
Speaker 4: because I'll go to too much detail. But there are

397
00:19:56,520 --> 00:19:59,760
Speaker 4: times when when I was working full time, I'd have

398
00:19:59,800 --> 00:20:02,280
Speaker 4: that my supervisor, Hey, I know, I just asked yesterday

399
00:20:02,600 --> 00:20:05,520
Speaker 4: and I know it's eleven am, but they're holding Chris

400
00:20:05,600 --> 00:20:08,679
Speaker 4: down and he's and they're having difficulty with him. I

401
00:20:08,680 --> 00:20:11,080
Speaker 4: need to go get him from school, right, And they

402
00:20:11,080 --> 00:20:13,840
Speaker 4: were like, you just left early yesterday. Yeah, but there's

403
00:20:13,880 --> 00:20:15,400
Speaker 4: nothing else we could do. I have to go get

404
00:20:15,440 --> 00:20:18,240
Speaker 4: him right. And that's just started happening over and over again.

405
00:20:18,680 --> 00:20:21,240
Speaker 4: So one of the main reasons is just being able

406
00:20:21,280 --> 00:20:25,320
Speaker 4: to have that have a lifestyle where I can meet

407
00:20:25,320 --> 00:20:27,920
Speaker 4: his needs and go be there for him at any

408
00:20:27,960 --> 00:20:30,760
Speaker 4: moment in time as much as possible, right and just

409
00:20:31,160 --> 00:20:33,320
Speaker 4: working that schedule. Even though I was working in the

410
00:20:33,400 --> 00:20:36,320
Speaker 4: university setting and they were more understanding, it just became

411
00:20:36,400 --> 00:20:38,280
Speaker 4: to the point where it was just becoming too much

412
00:20:38,520 --> 00:20:41,280
Speaker 4: and I had to pivot. And so so I have

413
00:20:41,440 --> 00:20:44,200
Speaker 4: like three legs to my business, so that even when

414
00:20:44,280 --> 00:20:47,480
Speaker 4: it's like slow times during the coaching time, because what

415
00:20:47,560 --> 00:20:49,520
Speaker 4: I'm figuring out is that there are a time when

416
00:20:49,600 --> 00:20:52,360
Speaker 4: I'm working with like high school seniors and their parents,

417
00:20:52,720 --> 00:20:56,439
Speaker 4: which is pretty much my main focus group. But then

418
00:20:56,480 --> 00:20:59,280
Speaker 4: there's a time when there's juniors are rising seniors, and

419
00:20:59,320 --> 00:21:03,320
Speaker 4: then I switched to focusing on them, right because those

420
00:21:03,359 --> 00:21:05,080
Speaker 4: are the parents are like, Okay, we're going to our

421
00:21:05,080 --> 00:21:08,440
Speaker 4: senior year, we're looking to get accepted to collegees et cetera.

422
00:21:08,640 --> 00:21:10,840
Speaker 4: But that's one The other focus is my book. And

423
00:21:10,880 --> 00:21:13,760
Speaker 4: then the third leg is speaking, so people will just

424
00:21:13,800 --> 00:21:17,080
Speaker 4: bring me in to speak to anybody. Sometimes with the

425
00:21:17,080 --> 00:21:20,760
Speaker 4: school districts. Nonprofits like Habitat for Humanity asked me to speak.

426
00:21:20,960 --> 00:21:23,280
Speaker 4: And then like gen z So, I spoke at the

427
00:21:23,320 --> 00:21:26,600
Speaker 4: Taco Bell Foundation conference and I spoke to their leaders

428
00:21:26,600 --> 00:21:29,960
Speaker 4: and their scholars about budgeting and money management as a

429
00:21:29,960 --> 00:21:32,439
Speaker 4: college student and things like that, and so those are

430
00:21:32,480 --> 00:21:34,440
Speaker 4: the three things. So like when one area is slow,

431
00:21:34,480 --> 00:21:37,479
Speaker 4: the other two tend to pick up, especially when it

432
00:21:37,480 --> 00:21:40,400
Speaker 4: comes to like bulk orders for the book, and that's

433
00:21:40,480 --> 00:21:43,919
Speaker 4: usually a big surge as a financial literacy one on

434
00:21:43,920 --> 00:21:50,120
Speaker 4: one for college students and try and find out where

435
00:21:50,280 --> 00:21:55,200
Speaker 4: Oh yeah, Mark, yeah, Mark has it. Yeah, he does

436
00:21:55,240 --> 00:21:57,960
Speaker 4: have a sign coffee yep, and so he matter of fact,

437
00:21:58,280 --> 00:22:00,200
Speaker 4: he was one of the first people to buy the books. Saw.

438
00:22:00,240 --> 00:22:03,320
Speaker 4: What's interesting when I came when that fin Con in Orlando,

439
00:22:03,960 --> 00:22:06,280
Speaker 4: I never saw the physical copy of my books because

440
00:22:06,280 --> 00:22:07,960
Speaker 4: I wanted to have it and bring them down there

441
00:22:07,960 --> 00:22:11,040
Speaker 4: to Orlando with me, but the timing was going to

442
00:22:11,080 --> 00:22:13,160
Speaker 4: be right, so I just had it shipped directly there.

443
00:22:13,320 --> 00:22:15,119
Speaker 4: So the very first time I opened the box and

444
00:22:15,160 --> 00:22:17,800
Speaker 4: see my physical books was at the conference. I had

445
00:22:17,800 --> 00:22:21,040
Speaker 4: it shipped there. Yeah, and I don't know how many

446
00:22:21,040 --> 00:22:23,560
Speaker 4: books I had, but it was just an outpouring of

447
00:22:23,640 --> 00:22:25,560
Speaker 4: love and I sold out all the books there. We

448
00:22:25,600 --> 00:22:26,080
Speaker 4: go right there.

449
00:22:26,520 --> 00:22:28,399
Speaker 1: You did like the girls, You did the girl Scout

450
00:22:28,400 --> 00:22:32,760
Speaker 1: cookie version of selling a book table at fin Con.

451
00:22:32,960 --> 00:22:35,399
Speaker 4: Yeah. And then there was another travel company like a

452
00:22:35,440 --> 00:22:37,359
Speaker 4: travel mL and Company, and they were there at the

453
00:22:37,359 --> 00:22:39,680
Speaker 4: same location.

454
00:22:39,400 --> 00:22:44,640
Speaker 1: And I remember that that was a wild They had

455
00:22:44,920 --> 00:22:47,919
Speaker 1: finn con right next door to the MLM cult.

456
00:22:48,280 --> 00:22:54,879
Speaker 4: Yeah, and they were like, oh ye warriors, like you

457
00:22:54,960 --> 00:22:56,800
Speaker 4: can take it there if you want to, you know.

458
00:22:57,760 --> 00:23:00,760
Speaker 4: But yeah, but but but they sported me and they

459
00:23:00,760 --> 00:23:03,560
Speaker 4: were like, oh, we see what you're doing. And they

460
00:23:03,640 --> 00:23:07,600
Speaker 4: ended up purchasing the book. So so that's how it's

461
00:23:07,680 --> 00:23:10,840
Speaker 4: kind of been been going. And then I just what

462
00:23:10,880 --> 00:23:12,240
Speaker 4: I did was I just try to take as much

463
00:23:12,240 --> 00:23:13,960
Speaker 4: money as possible and then just put her away for

464
00:23:14,080 --> 00:23:16,639
Speaker 4: any day, like I had a business emergency fund, and

465
00:23:16,680 --> 00:23:18,560
Speaker 4: then I just put it in this account and I said,

466
00:23:18,600 --> 00:23:21,600
Speaker 4: all right, told my wife, all right, when my portion

467
00:23:21,760 --> 00:23:24,879
Speaker 4: for the monthly income comes in, you just take it

468
00:23:24,880 --> 00:23:26,399
Speaker 4: out of there and put it to our joint account.

469
00:23:26,680 --> 00:23:28,040
Speaker 4: Said I don't even want to see it, you know.

470
00:23:28,520 --> 00:23:30,480
Speaker 4: And so that's kind of what's been working out for

471
00:23:30,600 --> 00:23:32,800
Speaker 4: us right now. And then that builds a sense of

472
00:23:32,800 --> 00:23:35,240
Speaker 4: security and safety for her because she's like, it's a wild,

473
00:23:35,240 --> 00:23:38,320
Speaker 4: wild West. I don't know what you're doing. Like when, oh,

474
00:23:38,320 --> 00:23:40,960
Speaker 4: what does she do? She's a school counselor, so she's

475
00:23:40,960 --> 00:23:43,359
Speaker 4: a high high school counselor, so she's.

476
00:23:43,600 --> 00:23:46,840
Speaker 1: That's what we do though our entrepreneur like Mark, I

477
00:23:46,920 --> 00:23:48,879
Speaker 1: know that why I don't know what your situation is

478
00:23:48,920 --> 00:23:51,760
Speaker 1: because you don't be telling on nobody. But I do

479
00:23:51,840 --> 00:23:55,679
Speaker 1: feel like we are entrepreneurial people. We are drawn to

480
00:23:56,160 --> 00:23:59,480
Speaker 1: the nine to five like stable, you know, kind of vibe.

481
00:23:59,520 --> 00:24:01,760
Speaker 1: And my husband works for the government, which actually is

482
00:24:01,760 --> 00:24:05,240
Speaker 1: not stable at all. We have learned, but the way

483
00:24:05,240 --> 00:24:07,040
Speaker 1: that I'm like, yeah, babe, just give me your health

484
00:24:07,040 --> 00:24:09,480
Speaker 1: care benefits and then I'll go be I'll do whatever

485
00:24:09,720 --> 00:24:12,159
Speaker 1: you know I do out here in these entrepreneur streets,

486
00:24:12,160 --> 00:24:13,720
Speaker 1: and he just kind of like pokes his head down

487
00:24:13,760 --> 00:24:19,320
Speaker 1: sometimes and he's like, so you're making money, Like yeah, yeah,

488
00:24:19,320 --> 00:24:21,000
Speaker 1: it's great, It's fine. Bye.

489
00:24:21,760 --> 00:24:23,840
Speaker 2: I think that stress is like the importance of like

490
00:24:23,920 --> 00:24:26,760
Speaker 2: true financial management, like as you're going and you become

491
00:24:26,800 --> 00:24:29,480
Speaker 2: an entrepreneur, because I think a lot of times people

492
00:24:29,520 --> 00:24:31,920
Speaker 2: believe that being an entrepreneur is going to save them

493
00:24:31,960 --> 00:24:34,920
Speaker 2: from a financial standpoint, but if they don't have their

494
00:24:34,920 --> 00:24:38,040
Speaker 2: personal finances together, if you go and run a business

495
00:24:38,520 --> 00:24:41,439
Speaker 2: that's like level five, you need to worry about like

496
00:24:41,600 --> 00:24:45,080
Speaker 2: level number one first because your finances will be in

497
00:24:45,119 --> 00:24:46,640
Speaker 2: shambles if you.

498
00:24:46,880 --> 00:24:48,960
Speaker 3: Don't get it right on the business side of things.

499
00:24:49,000 --> 00:24:52,639
Speaker 2: So you know, for me, it was even though money

500
00:24:52,680 --> 00:24:55,600
Speaker 2: is coming in and all the things, I still manage

501
00:24:55,720 --> 00:24:58,399
Speaker 2: my budget off of, you know, seventy thousand dollars a

502
00:24:58,440 --> 00:25:01,480
Speaker 2: year and I'm trying to work with the record keeper

503
00:25:01,560 --> 00:25:05,000
Speaker 2: then not pay have to pay myself more because I

504
00:25:05,000 --> 00:25:08,399
Speaker 2: don't want to increase my lifestyle or inflate my lifestyle

505
00:25:08,520 --> 00:25:11,680
Speaker 2: because in worst case scenario, I have to go back

506
00:25:11,680 --> 00:25:14,879
Speaker 2: to corporate. I want to find a job that is

507
00:25:14,960 --> 00:25:19,240
Speaker 2: aligned to that as a worst case scenario. So it's

508
00:25:19,320 --> 00:25:23,160
Speaker 2: so incredibly important is make sure your finances are taken

509
00:25:23,200 --> 00:25:26,080
Speaker 2: care of before you start the entrepreneurial journey.

510
00:25:27,280 --> 00:25:29,159
Speaker 1: Yeah. Man, I mean, I don't know about you, Chris,

511
00:25:29,200 --> 00:25:32,480
Speaker 1: but it was a lot of like smart financial decisions

512
00:25:32,520 --> 00:25:34,680
Speaker 1: like I was making, and like I was really good

513
00:25:34,720 --> 00:25:37,199
Speaker 1: at my finances, but then I don't have these kids,

514
00:25:37,600 --> 00:25:42,600
Speaker 1: and it was just like something I actually so tired

515
00:25:42,600 --> 00:25:45,399
Speaker 1: because I was up all night writing this chapter for

516
00:25:45,480 --> 00:25:48,560
Speaker 1: my book, which I'm working very hard on. And this

517
00:25:48,680 --> 00:25:51,720
Speaker 1: chapter is called I named it Resilient as a Monk,

518
00:25:52,560 --> 00:25:58,640
Speaker 1: and and in it, I'm talking about building like all

519
00:25:58,680 --> 00:26:00,800
Speaker 1: the things I did in my twenty and early thirties

520
00:26:00,840 --> 00:26:03,520
Speaker 1: to build financial resilience so that I could lose my job.

521
00:26:03,560 --> 00:26:06,040
Speaker 1: I could be fired, I could you know, be sort

522
00:26:06,040 --> 00:26:08,080
Speaker 1: of like corporate couldn't touch me. They could do whatever

523
00:26:08,119 --> 00:26:09,840
Speaker 1: they wanted. But like I was going to be okay,

524
00:26:10,359 --> 00:26:12,760
Speaker 1: and I did such a good job. I kept lifestyle

525
00:26:12,840 --> 00:26:16,159
Speaker 1: lifestyle inflation low. I was like, you, Mark, I was like, what,

526
00:26:16,280 --> 00:26:17,640
Speaker 1: We're not going to be able to pay this car

527
00:26:17,640 --> 00:26:19,800
Speaker 1: in cash? I don't want it, you know, like I

528
00:26:19,840 --> 00:26:23,119
Speaker 1: wanted like a modest home. I went. I did not

529
00:26:23,320 --> 00:26:25,120
Speaker 1: want to spend beyond my means. I wanted to keep

530
00:26:25,160 --> 00:26:27,000
Speaker 1: my you know, I live in New York City, and

531
00:26:27,040 --> 00:26:30,080
Speaker 1: I my friends are upgrading their apartments with every raise

532
00:26:30,160 --> 00:26:32,760
Speaker 1: or every promotion to get that in unit, washer dryer,

533
00:26:33,240 --> 00:26:35,960
Speaker 1: and going to all the events and the bottomless brunches

534
00:26:36,000 --> 00:26:38,159
Speaker 1: and whatever. And I was like, oh, no, no, no, I'm

535
00:26:38,240 --> 00:26:42,560
Speaker 1: keeping my expenses very low so that basically I have

536
00:26:42,640 --> 00:26:47,160
Speaker 1: freedom to fail, to have challenges and to like really

537
00:26:47,200 --> 00:26:49,000
Speaker 1: just spend the money in the way that I wanted to,

538
00:26:49,320 --> 00:26:52,320
Speaker 1: you know, spend it. But I I have these kids,

539
00:26:52,359 --> 00:26:55,199
Speaker 1: and now I'm in the suburbs, and like there's things

540
00:26:55,200 --> 00:27:01,480
Speaker 1: that like spending basically dropping a mortgage payment on childcare

541
00:27:01,560 --> 00:27:03,760
Speaker 1: so that I can be free to do this business

542
00:27:03,920 --> 00:27:07,960
Speaker 1: is so so challenging and like there, I don't know

543
00:27:08,000 --> 00:27:09,399
Speaker 1: if you feel that too, Crisp.

544
00:27:09,680 --> 00:27:10,199
Speaker 4: You see me not?

545
00:27:10,280 --> 00:27:14,520
Speaker 1: And I'm like, yes, yes, because like I know, I'm smart,

546
00:27:15,119 --> 00:27:19,920
Speaker 1: but like sometimes the wisdom the rules of you know,

547
00:27:20,200 --> 00:27:22,919
Speaker 1: the guidelines don't apply to.

548
00:27:23,960 --> 00:27:26,720
Speaker 4: Yes because they're like, wait a minute, where's all this

549
00:27:26,760 --> 00:27:28,879
Speaker 4: money going? And it's like, oh, yeah, these kids you

550
00:27:28,960 --> 00:27:31,679
Speaker 4: got over here, I mean, and you're like okay, and

551
00:27:31,720 --> 00:27:35,480
Speaker 4: then things come up and then with daycare in school

552
00:27:35,600 --> 00:27:38,960
Speaker 4: and oh my gosh, like I would see you said

553
00:27:38,960 --> 00:27:41,040
Speaker 4: you were up all night, but I've been up since

554
00:27:41,040 --> 00:27:43,359
Speaker 4: two fifteen. This morning, my four year old was like,

555
00:27:43,680 --> 00:27:45,000
Speaker 4: it's time to be up now, dad.

556
00:27:46,080 --> 00:27:49,800
Speaker 1: Oh god, so crisp, but why are we My five

557
00:27:49,880 --> 00:27:51,560
Speaker 1: year old came down heres at four o'clock and I

558
00:27:51,600 --> 00:27:54,680
Speaker 1: said no. I was like, let's get you the mellowton

559
00:27:54,720 --> 00:27:57,920
Speaker 1: and gummy right now, because you need to be gone

560
00:27:58,040 --> 00:28:01,359
Speaker 1: right now. Why do they do that? Yeah, I know

561
00:28:01,760 --> 00:28:04,359
Speaker 1: when to go to bed, it's like get up early

562
00:28:04,400 --> 00:28:06,680
Speaker 1: and get your get your hours in before they wake up. Well,

563
00:28:06,680 --> 00:28:08,480
Speaker 1: this is what happened that's what happens.

564
00:28:08,560 --> 00:28:11,399
Speaker 4: Yeah, they're like, wait a minute, that's trying to be productive. Okay,

565
00:28:11,480 --> 00:28:11,880
Speaker 4: I'm up.

566
00:28:12,080 --> 00:28:14,880
Speaker 2: Yeah, So how do you guys manage like the day

567
00:28:14,920 --> 00:28:17,720
Speaker 2: to day expenses? So I don't I don't talk a

568
00:28:17,720 --> 00:28:20,040
Speaker 2: lot personally, but I don't have any kids, like, but

569
00:28:20,400 --> 00:28:23,080
Speaker 2: I'm kind of curious on how you guys go about

570
00:28:23,280 --> 00:28:26,679
Speaker 2: managing your day to day expenses with having you know,

571
00:28:26,800 --> 00:28:30,440
Speaker 2: kids or multiple kids, and then also preparing for the future,

572
00:28:30,640 --> 00:28:34,000
Speaker 2: investing for like schooling or whoever it might be.

573
00:28:35,880 --> 00:28:44,320
Speaker 1: Crizy, I got nothing. I'm struggling. No, I'm told ba family,

574
00:28:44,360 --> 00:28:46,880
Speaker 1: I'm very honest. You know the past and I mean,

575
00:28:46,880 --> 00:28:50,480
Speaker 1: I've just relived so much of my The challenge is

576
00:28:50,520 --> 00:28:53,480
Speaker 1: the last year and the the hardest thing for me

577
00:28:53,800 --> 00:28:56,440
Speaker 1: was my first year or two in business. I was

578
00:28:56,480 --> 00:28:59,560
Speaker 1: doing great and you know, businesses coming in, but like Mark,

579
00:28:59,600 --> 00:29:02,240
Speaker 1: you know, how many hours does it take? Like we

580
00:29:02,240 --> 00:29:05,120
Speaker 1: were like producing our courses and yeah, you can hire help,

581
00:29:05,160 --> 00:29:08,480
Speaker 1: but like you're still the engine driving the business, right

582
00:29:08,600 --> 00:29:11,480
Speaker 1: Like it's a personality leveraged business. You got to show

583
00:29:11,560 --> 00:29:14,400
Speaker 1: up on social and you know, sell to your audience

584
00:29:14,400 --> 00:29:16,280
Speaker 1: and do the webinars and all that kind of stuff,

585
00:29:16,760 --> 00:29:21,200
Speaker 1: and I had this like of situations where it was like,

586
00:29:21,800 --> 00:29:24,040
Speaker 1: I have a I mean, on the front, it's like exciting,

587
00:29:24,040 --> 00:29:26,360
Speaker 1: I have a book deal, I have my baby. I'm

588
00:29:26,640 --> 00:29:31,040
Speaker 1: I'm so like insanely happy. I love being a mom,

589
00:29:31,560 --> 00:29:34,200
Speaker 1: and I was like, baby, book deal. In business, this

590
00:29:34,240 --> 00:29:39,320
Speaker 1: is my year, y'all. And then actually doing all those things,

591
00:29:39,400 --> 00:29:41,520
Speaker 1: You're pulled in all these different directions. And what I

592
00:29:41,560 --> 00:29:45,120
Speaker 1: didn't predict was the mental health toll that it was

593
00:29:45,160 --> 00:29:47,520
Speaker 1: going to take on me to be doing all that

594
00:29:47,640 --> 00:29:49,760
Speaker 1: all at one time. And so when my mental health

595
00:29:49,800 --> 00:29:53,240
Speaker 1: started to suffer, the business directly was impacted because I

596
00:29:53,280 --> 00:29:55,480
Speaker 1: could not show up the way that I had been.

597
00:29:56,040 --> 00:29:59,040
Speaker 1: And so it didn't take much time before oh, all

598
00:29:59,040 --> 00:30:01,640
Speaker 1: of a sudden, now I'm a really tricky financial spot

599
00:30:01,640 --> 00:30:04,720
Speaker 1: because I'm not budgeting, I'm not saving for the future.

600
00:30:05,000 --> 00:30:08,080
Speaker 1: I'm just you know, I'm just like any other nine

601
00:30:08,120 --> 00:30:10,480
Speaker 1: to five worker, live in paycheck to paycheck. At that point,

602
00:30:10,560 --> 00:30:13,120
Speaker 1: I'm living, you know, I'm just doing it. I don't

603
00:30:13,120 --> 00:30:14,840
Speaker 1: even know where my paycheck is. I'm just like hoping

604
00:30:14,880 --> 00:30:18,000
Speaker 1: I get a brand deal or and I hated it.

605
00:30:18,640 --> 00:30:21,560
Speaker 1: Do not recommend zero zero out of ten. Do not

606
00:30:21,600 --> 00:30:26,600
Speaker 1: recommend and I found myself doing you know, like just

607
00:30:27,080 --> 00:30:29,640
Speaker 1: making the best of like trying to pick the best

608
00:30:29,640 --> 00:30:33,560
Speaker 1: worst the best of bad options, you know. For like

609
00:30:33,880 --> 00:30:35,800
Speaker 1: I'm not talking about like payday loans or anything like that,

610
00:30:35,880 --> 00:30:42,080
Speaker 1: but you know, like not doing the smart, uh textbook

611
00:30:42,160 --> 00:30:46,280
Speaker 1: version of managing my finances. And I've always had a

612
00:30:46,320 --> 00:30:48,880
Speaker 1: lot of empathy, even as a personal finance journalist. I

613
00:30:48,920 --> 00:30:53,400
Speaker 1: always hated advice that felt too sterile, like not really

614
00:30:53,560 --> 00:30:55,960
Speaker 1: leaving room for the human element. And I just have

615
00:30:56,080 --> 00:31:00,240
Speaker 1: even more empathy, especially for families where you're trying to

616
00:31:00,240 --> 00:31:05,760
Speaker 1: build something and those challenges come up and it, yeah,

617
00:31:05,800 --> 00:31:08,360
Speaker 1: I know what to do, but you know, you know

618
00:31:08,400 --> 00:31:10,720
Speaker 1: what I also have to do is like pay that

619
00:31:10,800 --> 00:31:15,480
Speaker 1: daycare bill and camps and school fees and all that stuff.

620
00:31:15,520 --> 00:31:16,760
Speaker 1: It's it's a lot.

621
00:31:16,680 --> 00:31:18,640
Speaker 4: Yeah, or like things pop up like okay, we need

622
00:31:18,680 --> 00:31:20,680
Speaker 4: speech now, you know, and that was in factored in.

623
00:31:20,800 --> 00:31:23,240
Speaker 4: It's like insurance only cover this amount, and then you're

624
00:31:23,240 --> 00:31:25,040
Speaker 4: gonna have to pay this arm, leg and a toe

625
00:31:25,440 --> 00:31:28,960
Speaker 4: you know for that now because that's totally unexpected. Or

626
00:31:29,000 --> 00:31:31,400
Speaker 4: things might come up with Chris Junior and you know,

627
00:31:31,520 --> 00:31:34,600
Speaker 4: so it's all of those things that you won't necessarily

628
00:31:34,600 --> 00:31:36,800
Speaker 4: factor in, especially you have when you have a child

629
00:31:37,040 --> 00:31:39,520
Speaker 4: on the spectrum or any child with disability, then there

630
00:31:39,520 --> 00:31:42,360
Speaker 4: are these other factors that just start showing up as

631
00:31:42,400 --> 00:31:44,760
Speaker 4: they as a age, right, and it's like, oh, we

632
00:31:44,840 --> 00:31:46,320
Speaker 4: didn't know that was going to be a need now,

633
00:31:46,360 --> 00:31:48,160
Speaker 4: so some things you could kind of predict in something

634
00:31:48,280 --> 00:31:50,360
Speaker 4: you don't. So now to answer your question, mark like,

635
00:31:50,400 --> 00:31:53,840
Speaker 4: I'll just start putting money away for those unforeseen things, right,

636
00:31:53,880 --> 00:31:57,280
Speaker 4: Like I don't know what's gonna come up, but whatever

637
00:31:57,280 --> 00:32:00,520
Speaker 4: it does, this will take care of that. Right. And

638
00:32:00,560 --> 00:32:03,840
Speaker 4: then even going back to just like living a simple lifestyle,

639
00:32:03,960 --> 00:32:06,640
Speaker 4: like you know, the Finland Guy or Finland University has

640
00:32:06,640 --> 00:32:09,120
Speaker 4: been around for three years going on three years now,

641
00:32:09,240 --> 00:32:11,560
Speaker 4: but it's just been a year since I totally left

642
00:32:11,600 --> 00:32:13,360
Speaker 4: the ninety five and I'm doing it on my own.

643
00:32:13,440 --> 00:32:15,680
Speaker 4: But like I was riding around in a two thousand

644
00:32:15,760 --> 00:32:19,840
Speaker 4: Mercury Grand Marquee, you know, let them know, and that

645
00:32:20,320 --> 00:32:22,480
Speaker 4: truck along, and then my closest friends were just like Chris,

646
00:32:22,480 --> 00:32:24,760
Speaker 4: like you the Finlanck guy, like what are you riding around?

647
00:32:25,080 --> 00:32:27,200
Speaker 4: I was like, mind your business, okay, But.

648
00:32:27,240 --> 00:32:30,320
Speaker 1: That's why they should trust you exactly.

649
00:32:31,040 --> 00:32:33,600
Speaker 4: Listen to that lifestyle inflation that you all talked about.

650
00:32:33,640 --> 00:32:36,400
Speaker 4: It's like it's like I'm like, man, like this month,

651
00:32:36,440 --> 00:32:37,800
Speaker 4: I made enough to where I could just go to

652
00:32:37,800 --> 00:32:39,959
Speaker 4: the lot to buy a car cash, right, But then

653
00:32:40,000 --> 00:32:43,880
Speaker 4: I'm like, I spend it, then the money's gone, you know, right,

654
00:32:43,920 --> 00:32:46,200
Speaker 4: which is the reality. So you know those are those

655
00:32:46,240 --> 00:32:48,040
Speaker 4: times were just like, oh, I'm glad I didn't spend

656
00:32:48,040 --> 00:32:48,480
Speaker 4: that money.

657
00:32:48,520 --> 00:32:50,920
Speaker 3: But yeah, you definitely have to manage your finances for

658
00:32:51,080 --> 00:32:53,160
Speaker 3: your era. I've had to have heart's hearts with.

659
00:32:53,120 --> 00:32:56,160
Speaker 2: Them to say, hey, Megan, like this is just an era,

660
00:32:56,320 --> 00:32:59,280
Speaker 2: like right now might not seem great, but this is

661
00:32:59,520 --> 00:33:02,600
Speaker 2: you know, it's pairing you for the future, and sometimes not.

662
00:33:02,520 --> 00:33:05,640
Speaker 1: You calling Megan out like no, I just used a

663
00:33:05,720 --> 00:33:12,000
Speaker 1: random name. Girl, It's me. I'm Megan.

664
00:33:12,200 --> 00:33:15,000
Speaker 4: I am Megan everybody, But.

665
00:33:15,000 --> 00:33:17,520
Speaker 3: Truly, I would have to have conversation. I will where

666
00:33:17,520 --> 00:33:17,760
Speaker 3: were you?

667
00:33:17,800 --> 00:33:20,880
Speaker 1: Where was my conversation? Mark? Where was my talk?

668
00:33:21,080 --> 00:33:23,760
Speaker 2: We didn't talk about this when I was We had

669
00:33:23,760 --> 00:33:26,280
Speaker 2: a hike in New York and we talked about this.

670
00:33:27,200 --> 00:33:30,160
Speaker 1: Brought my child with me. I wasn't focused, like you

671
00:33:30,240 --> 00:33:31,040
Speaker 1: know that I.

672
00:33:31,080 --> 00:33:32,520
Speaker 3: Flew the whole way to New York.

673
00:33:32,600 --> 00:33:34,600
Speaker 1: You did you flew all the way out for nature

674
00:33:34,640 --> 00:33:36,440
Speaker 1: walk and you flew back. That's why you're so much

675
00:33:36,480 --> 00:33:38,520
Speaker 1: like my brother. That's why I liked so much. I

676
00:33:38,560 --> 00:33:41,600
Speaker 1: was going to bring up community to y'all because, first

677
00:33:41,600 --> 00:33:44,000
Speaker 1: of all, as two men, Wow, this is the first

678
00:33:44,000 --> 00:33:46,680
Speaker 1: time I've been like a minority in my own goddamn

679
00:33:46,840 --> 00:33:49,280
Speaker 1: podcast studio. Okay, come, I don't like it.

680
00:33:49,400 --> 00:33:49,840
Speaker 4: Progress?

681
00:33:50,840 --> 00:33:51,920
Speaker 1: Yeah is it?

682
00:33:51,920 --> 00:33:56,080
Speaker 4: Though? That's family's that's a community, right, We're talking about

683
00:33:56,080 --> 00:33:58,120
Speaker 4: con as the community what they think.

684
00:33:59,000 --> 00:34:00,760
Speaker 1: Let's run it back and see how many times y'all

685
00:34:00,760 --> 00:34:04,080
Speaker 1: interrupted me. Actually, I think I'm I'm the one who

686
00:34:04,080 --> 00:34:08,080
Speaker 1: interrupts way more. You just get excited. It's not I don't, Yeah,

687
00:34:08,200 --> 00:34:10,640
Speaker 1: you get excited. You're like, you're just like anyway, my brother.

688
00:34:10,640 --> 00:34:15,040
Speaker 1: You're tired of hearing that. No, but community and supporting

689
00:34:15,080 --> 00:34:17,160
Speaker 1: one another. And I just need y'all to talk about

690
00:34:17,239 --> 00:34:21,200
Speaker 1: y'all's friendship and your relationship as like a support for

691
00:34:21,280 --> 00:34:25,160
Speaker 1: one another, because the way that I you know, I've

692
00:34:25,160 --> 00:34:27,719
Speaker 1: talked a lot very candidly about my you know, my

693
00:34:27,840 --> 00:34:31,399
Speaker 1: challenges the past year, but it is through community and

694
00:34:31,480 --> 00:34:34,600
Speaker 1: support that I have. I am on the up and up,

695
00:34:34,840 --> 00:34:37,759
Speaker 1: like I got my mojo back, make up money again.

696
00:34:37,840 --> 00:34:40,440
Speaker 1: Don't worry about me, y'all. Brown and Vision is slaying.

697
00:34:42,200 --> 00:34:44,640
Speaker 1: I had everything I needed right, I had all the

698
00:34:44,680 --> 00:34:47,040
Speaker 1: tools I needed to to make money again and to

699
00:34:47,160 --> 00:34:50,600
Speaker 1: like go back to business. But I was suffering from

700
00:34:50,600 --> 00:34:53,439
Speaker 1: that lack of self confidence because of how difficult things

701
00:34:53,440 --> 00:34:56,200
Speaker 1: had been in The antidote for me was talking about

702
00:34:56,239 --> 00:35:00,480
Speaker 1: it and opening myself up to being vulnerable. It's why

703
00:35:00,560 --> 00:35:02,400
Speaker 1: people could pour into me. And I know y'all have

704
00:35:02,440 --> 00:35:05,239
Speaker 1: a special sort of like relationship, and I want y'all

705
00:35:05,320 --> 00:35:09,439
Speaker 1: to speak on that as two dudes like just trying

706
00:35:09,440 --> 00:35:10,280
Speaker 1: to make it in the world.

707
00:35:10,719 --> 00:35:14,120
Speaker 2: No, definitely. I mean I can speak about Chris real fast.

708
00:35:14,360 --> 00:35:17,040
Speaker 2: When I find like really good people like I latch

709
00:35:17,080 --> 00:35:20,560
Speaker 2: onto them. And Chris was someone where I felt like

710
00:35:20,600 --> 00:35:22,319
Speaker 2: I've known him my entire life.

711
00:35:22,840 --> 00:35:24,040
Speaker 3: He's just down.

712
00:35:23,840 --> 00:35:27,680
Speaker 2: The earth, like, you know, straight to business like sometimes

713
00:35:27,719 --> 00:35:31,440
Speaker 2: and I just like having that balance. But you know,

714
00:35:31,560 --> 00:35:34,200
Speaker 2: Chris and I we text maybe like every other week

715
00:35:34,280 --> 00:35:37,520
Speaker 2: every month about any random topic, a little bit about me,

716
00:35:37,760 --> 00:35:40,200
Speaker 2: just personally, real fast, and then we won't dive any

717
00:35:40,239 --> 00:35:41,319
Speaker 2: further into it.

718
00:35:41,840 --> 00:35:43,520
Speaker 1: I'll be the judge of that. It is my show,

719
00:35:43,640 --> 00:35:47,920
Speaker 1: no matter what that sign behind you says, but yeah,

720
00:35:47,960 --> 00:35:48,360
Speaker 1: go ahead.

721
00:35:48,680 --> 00:35:52,800
Speaker 2: I haven't had the fortune of having very close family members,

722
00:35:53,400 --> 00:35:57,960
Speaker 2: and especially family members that understand what we do. So

723
00:35:58,440 --> 00:36:02,120
Speaker 2: my good friends like family than me. They're my brothers

724
00:36:02,120 --> 00:36:04,400
Speaker 2: and my sisters. And when I say that, I actually

725
00:36:04,440 --> 00:36:07,080
Speaker 2: mean it. Where if someone says, hey, I need you

726
00:36:07,120 --> 00:36:09,680
Speaker 2: to be in New York and we're gonna go hiking

727
00:36:10,239 --> 00:36:13,600
Speaker 2: together for whatever reason, with everyone else, I'm like, Okay, sure,

728
00:36:13,680 --> 00:36:18,000
Speaker 2: I'm gonna be there, and I hold true to that

729
00:36:18,760 --> 00:36:22,440
Speaker 2: given that I don't have that family component that I

730
00:36:22,440 --> 00:36:23,719
Speaker 2: think a lot of other people have.

731
00:36:23,920 --> 00:36:27,240
Speaker 3: So I see both of you guys being my family.

732
00:36:27,800 --> 00:36:31,600
Speaker 4: I agree with everything he said. I mean, Mark has

733
00:36:31,960 --> 00:36:35,040
Speaker 4: from day one. It's just like, okay, instant brother, like

734
00:36:35,160 --> 00:36:38,000
Speaker 4: I can I can talk to him about anything. And

735
00:36:38,000 --> 00:36:40,200
Speaker 4: then here's the thing about this space, because when you're

736
00:36:40,200 --> 00:36:44,200
Speaker 4: talking about money and you're talking about personal stuff and

737
00:36:44,280 --> 00:36:48,560
Speaker 4: just general vulnerabilities, right Like, usually you don't find that

738
00:36:49,000 --> 00:36:51,440
Speaker 4: guys like, hey, let me be vulnerable with you about

739
00:36:51,560 --> 00:36:54,399
Speaker 4: some of the most things I hold her to my heart.

740
00:36:54,480 --> 00:36:57,000
Speaker 4: But no, with Mark, oh, just I can talk to

741
00:36:57,040 --> 00:37:00,680
Speaker 4: him about anything and then he'll be He'll be direct,

742
00:37:00,880 --> 00:37:04,120
Speaker 4: but supportive and encouraging all at the same time, right,

743
00:37:04,280 --> 00:37:06,520
Speaker 4: Like I know that if I say something to him,

744
00:37:06,600 --> 00:37:09,279
Speaker 4: it stays with him, right, and he's encouraging at the

745
00:37:09,280 --> 00:37:12,160
Speaker 4: same time. Like it's rare to find a human being

746
00:37:12,200 --> 00:37:14,200
Speaker 4: that Mark, this is my brother for life. And it's

747
00:37:14,280 --> 00:37:16,560
Speaker 4: like there's certain things that you could just feel and

748
00:37:16,600 --> 00:37:18,799
Speaker 4: you just know. It's hard to explain, but there's some

749
00:37:18,840 --> 00:37:21,160
Speaker 4: people you just click with and you just know. Until

750
00:37:21,200 --> 00:37:23,440
Speaker 4: over the past few years, it's just been like that.

751
00:37:23,480 --> 00:37:26,080
Speaker 4: Like when I had the screening for the show, like

752
00:37:26,200 --> 00:37:28,880
Speaker 4: Mark was there right, Like I could only invite a

753
00:37:29,040 --> 00:37:31,680
Speaker 4: handful of people, but he was definitely one of those

754
00:37:31,719 --> 00:37:33,920
Speaker 4: people that were on the list. Wait what show for

755
00:37:33,960 --> 00:37:36,279
Speaker 4: the PBS show? And so it was a show that

756
00:37:36,360 --> 00:37:39,400
Speaker 4: started out as supposed to be a one episode pilot

757
00:37:39,680 --> 00:37:41,600
Speaker 4: that was turned into four episodes and it was just

758
00:37:41,600 --> 00:37:46,640
Speaker 4: gonna be in Atlanta area for PBS for the network wave,

759
00:37:47,000 --> 00:37:50,799
Speaker 4: and then the national level for PBS said, hey, we

760
00:37:50,840 --> 00:37:54,720
Speaker 4: need this show. This is something separate. This is my mentor,

761
00:37:54,920 --> 00:37:58,360
Speaker 4: so me along with my co host, certified financial planner

762
00:37:58,440 --> 00:38:01,359
Speaker 4: Jacqueline Shaddock, two of us tag team, and we work

763
00:38:01,400 --> 00:38:04,719
Speaker 4: with real people, real situations regarding money and it's an

764
00:38:04,719 --> 00:38:07,880
Speaker 4: eight episode season, so it'll be in your on your

765
00:38:07,920 --> 00:38:09,520
Speaker 4: local PREVA stations in April.

766
00:38:11,120 --> 00:38:14,880
Speaker 1: Oh, this is exciting. I did not know that. Congratulations,

767
00:38:14,960 --> 00:38:15,279
Speaker 1: thank you.

768
00:38:15,360 --> 00:38:17,040
Speaker 4: Yeah, so it's really big.

769
00:38:17,200 --> 00:38:19,760
Speaker 1: Come on here, promote something. Where's your sign?

770
00:38:20,120 --> 00:38:21,919
Speaker 4: God, I was going to wait to the end where

771
00:38:21,920 --> 00:38:24,080
Speaker 4: you do the brown you know thing.

772
00:38:24,640 --> 00:38:26,239
Speaker 1: You can't be waiting till the end. The mid roll

773
00:38:26,320 --> 00:38:28,160
Speaker 1: ads are the ones that charge them most.

774
00:38:28,680 --> 00:38:31,280
Speaker 4: You know that episode and I was like, okay, I'll.

775
00:38:31,120 --> 00:38:35,239
Speaker 1: Just the most expensive ads. No, the most expensive real

776
00:38:35,320 --> 00:38:37,239
Speaker 1: estate in a podcast is the middle of the show

777
00:38:37,320 --> 00:38:41,120
Speaker 1: because you've got people who are like listening and maybe

778
00:38:41,120 --> 00:38:42,840
Speaker 1: they're you know, not looking at their phone. They're not

779
00:38:42,840 --> 00:38:44,640
Speaker 1: going to because at the beginning of a podcast, I'm

780
00:38:44,680 --> 00:38:47,800
Speaker 1: like skip thirty, skip thirty, you know, through the pre rolls,

781
00:38:48,400 --> 00:38:49,360
Speaker 1: but the middle catches.

782
00:38:49,520 --> 00:38:51,919
Speaker 4: Okay, here we go. So yeah, So that Mark Mark

783
00:38:52,040 --> 00:38:53,600
Speaker 4: was there for the pre screening for that. It was

784
00:38:53,600 --> 00:38:56,800
Speaker 4: at Morehouse College and he was there so it was

785
00:38:56,960 --> 00:39:00,480
Speaker 4: historic and the Stork location and it was it was

786
00:39:00,560 --> 00:39:02,720
Speaker 4: and we aired the first episode, which was a student

787
00:39:02,760 --> 00:39:05,480
Speaker 4: who graduated from Morehouse. It was just amazing for him

788
00:39:05,480 --> 00:39:09,239
Speaker 4: to be there and supportive and like I said, there

789
00:39:09,239 --> 00:39:11,400
Speaker 4: are people who I've known for what twenty plus years,

790
00:39:11,440 --> 00:39:13,800
Speaker 4: But Mark is one of those people who just instantly

791
00:39:13,840 --> 00:39:15,520
Speaker 4: just kind of leap frog to one of the closest

792
00:39:15,520 --> 00:39:17,840
Speaker 4: people that I call frandom brothers.

793
00:39:17,840 --> 00:39:21,759
Speaker 5: So yeah, yeah, I appreciate that, and I think it's

794
00:39:21,760 --> 00:39:24,920
Speaker 5: just so important, like especially for black males, where I

795
00:39:24,960 --> 00:39:27,920
Speaker 5: feel like we won't open up to others, that we

796
00:39:28,040 --> 00:39:31,319
Speaker 5: continue to add people to our network and pour into

797
00:39:31,360 --> 00:39:34,560
Speaker 5: them so they can grow and develop, because.

798
00:39:34,320 --> 00:39:36,680
Speaker 3: Yeah, sometimes it can be it could be a little taboo.

799
00:39:37,239 --> 00:39:41,799
Speaker 2: But yeah, I've had very close friends that sometimes I

800
00:39:41,840 --> 00:39:44,200
Speaker 2: can't I can't have that, I can't get them to

801
00:39:44,239 --> 00:39:46,799
Speaker 2: open up. I'm like, tell me about what you're working on,

802
00:39:46,880 --> 00:39:49,160
Speaker 2: tell me about you know, there's struggles that you're having.

803
00:39:49,280 --> 00:39:50,880
Speaker 2: But the fact that Chris and I can have that

804
00:39:50,920 --> 00:39:52,800
Speaker 2: conversation at any.

805
00:39:52,600 --> 00:39:56,040
Speaker 3: Time, I mean, it really means a lot to both

806
00:39:56,080 --> 00:39:56,399
Speaker 3: of us.

807
00:39:56,600 --> 00:39:58,359
Speaker 4: And I'll give him real number, Like I'd be like, hey,

808
00:39:58,400 --> 00:40:00,600
Speaker 4: I didn't make any money this month, you know what

809
00:40:00,600 --> 00:40:03,719
Speaker 4: I mean, just put that out there. As you know,

810
00:40:03,760 --> 00:40:05,960
Speaker 4: someone who's in front of the public and you know,

811
00:40:06,160 --> 00:40:09,320
Speaker 4: content creator and stuff, like the perception is you always

812
00:40:09,320 --> 00:40:11,640
Speaker 4: have to have it together and you're just you know

813
00:40:12,120 --> 00:40:15,200
Speaker 4: in every aspect of the word, but that's not always

814
00:40:15,239 --> 00:40:17,279
Speaker 4: the case. But you need to be able to talk

815
00:40:17,320 --> 00:40:19,799
Speaker 4: to people who are also in this space and just like, hey, man,

816
00:40:19,880 --> 00:40:22,000
Speaker 4: like I'm struggling, like I don't have it together, like

817
00:40:22,800 --> 00:40:25,759
Speaker 4: I need help, you know what should I do? And

818
00:40:25,800 --> 00:40:27,520
Speaker 4: so Marcus one of those people I can lean on

819
00:40:27,600 --> 00:40:30,160
Speaker 4: in those in those good times and those times that

820
00:40:30,160 --> 00:40:31,200
Speaker 4: are not so sure.

821
00:40:33,320 --> 00:40:38,600
Speaker 2: And in times like this, you can either take it,

822
00:40:38,640 --> 00:40:42,279
Speaker 2: as you know, a time to run away from each

823
00:40:42,320 --> 00:40:44,520
Speaker 2: other and in fight each other, or it might be

824
00:40:44,560 --> 00:40:47,600
Speaker 2: an opportunity for us to come together and say, hey, well,

825
00:40:48,280 --> 00:40:50,920
Speaker 2: though the administration might not be focusing on us, or

826
00:40:50,960 --> 00:40:54,200
Speaker 2: maybe you know X might be happening, or you know,

827
00:40:55,719 --> 00:40:57,600
Speaker 2: there's a long list of things that have happened over

828
00:40:57,600 --> 00:41:00,760
Speaker 2: the last two weeks, we can always take could ask okay,

829
00:41:00,800 --> 00:41:02,799
Speaker 2: this is negative, or we can say, okay, well this

830
00:41:02,960 --> 00:41:06,680
Speaker 2: is our time to make sure that number one, it

831
00:41:06,719 --> 00:41:09,839
Speaker 2: never happens again, and then number two that we're accomplishing

832
00:41:09,840 --> 00:41:12,359
Speaker 2: what we need to accomplish together over the next four years.

833
00:41:12,400 --> 00:41:13,720
Speaker 3: So that gives me a lot of hope.

834
00:41:15,760 --> 00:41:18,520
Speaker 4: Mark knows my story. Like day after the oldest son

835
00:41:18,640 --> 00:41:20,920
Speaker 4: was born, they say congratulations, but we got to let

836
00:41:20,960 --> 00:41:23,479
Speaker 4: you go. And then two months after that, losing everything

837
00:41:23,520 --> 00:41:28,040
Speaker 4: in an apartment fire. No renders insurance, right, and so

838
00:41:28,880 --> 00:41:30,520
Speaker 4: like Red Cross said to give us a gift card

839
00:41:30,520 --> 00:41:32,680
Speaker 4: to get close from Walmart. And this is right when

840
00:41:32,680 --> 00:41:35,200
Speaker 4: I'm in my twenties, you know, creeping up to six

841
00:41:35,239 --> 00:41:40,200
Speaker 4: figures and income, right, you know, going from losing everything

842
00:41:40,840 --> 00:41:42,880
Speaker 4: hit and rock bottom is like it can only go

843
00:41:43,000 --> 00:41:45,399
Speaker 4: up from here, right, And so that's kind of how

844
00:41:45,440 --> 00:41:47,319
Speaker 4: I lived my life knowing that, Okay, I've been at

845
00:41:47,360 --> 00:41:51,160
Speaker 4: the bottom and I survived. So I always remind myself

846
00:41:51,200 --> 00:41:54,120
Speaker 4: of that saying that Jim Rohn says. He says, everybody

847
00:41:54,160 --> 00:41:56,680
Speaker 4: goes through all four seasons. You know, you have your

848
00:41:56,840 --> 00:41:59,080
Speaker 4: you have your spring, you have your summer. But guess

849
00:41:59,120 --> 00:42:01,879
Speaker 4: what's around the corner fall and winter. So either you're

850
00:42:02,000 --> 00:42:03,839
Speaker 4: in your winter, you just came out of a winter,

851
00:42:03,960 --> 00:42:06,120
Speaker 4: You're about to go into your winter. But if you

852
00:42:06,200 --> 00:42:08,239
Speaker 4: just keep holding on and keep the faith, then just

853
00:42:08,320 --> 00:42:11,280
Speaker 4: know that springtime will come again. And so I always

854
00:42:11,320 --> 00:42:13,600
Speaker 4: think that no matter what type of circumstance I'm in

855
00:42:13,680 --> 00:42:16,359
Speaker 4: at the moment, I just know that spring is right

856
00:42:16,400 --> 00:42:18,400
Speaker 4: around the corner. And so I just try to live

857
00:42:18,440 --> 00:42:21,400
Speaker 4: with that mantra daily and just try to tell people

858
00:42:21,440 --> 00:42:23,520
Speaker 4: about it, and then it gives people a different perspective

859
00:42:23,680 --> 00:42:27,479
Speaker 4: no matter what they're going through, it will eventually get better.

860
00:42:28,480 --> 00:42:32,680
Speaker 1: Yep, y, which season do you guys think you're in

861
00:42:32,760 --> 00:42:36,720
Speaker 1: right now? I'm fully in my winter thaw into spring,

862
00:42:37,320 --> 00:42:39,480
Speaker 1: you know, spring chicken, which is very exciting.

863
00:42:40,920 --> 00:42:45,799
Speaker 2: Yeah, I feel like I'm definitely in my spring. There's

864
00:42:45,840 --> 00:42:48,200
Speaker 2: things that I've always dreamed of doing that I'm able

865
00:42:48,239 --> 00:42:51,799
Speaker 2: to do now. Like I grew up being around my

866
00:42:51,920 --> 00:42:54,680
Speaker 2: dad and my uncles that would just travel all over

867
00:42:54,680 --> 00:42:56,719
Speaker 2: the place because of the military. So I grew up

868
00:42:56,719 --> 00:43:00,000
Speaker 2: in a very strong military family, and I was always

869
00:43:00,080 --> 00:43:02,319
Speaker 2: want to go to places like Bali or go to

870
00:43:02,400 --> 00:43:07,680
Speaker 2: places like from Mexico to Europe. And the fact that

871
00:43:07,719 --> 00:43:10,640
Speaker 2: I have the opportunity to do that, I mean, I

872
00:43:10,680 --> 00:43:13,760
Speaker 2: take full advantage. There is a budget, but that budget

873
00:43:13,880 --> 00:43:16,640
Speaker 2: is one that is of abundance. That's when I have

874
00:43:16,800 --> 00:43:20,560
Speaker 2: my summers, when I'm here and I'm in my mode

875
00:43:20,600 --> 00:43:21,799
Speaker 2: and I'm grinding through.

876
00:43:22,200 --> 00:43:24,640
Speaker 3: I'm definitely in the spring mindset.

877
00:43:25,080 --> 00:43:27,719
Speaker 1: Yeah, Okay, that's good to know. Where are we going

878
00:43:27,760 --> 00:43:30,000
Speaker 1: to see Beyonce in Paris? Then, or like, what's happening?

879
00:43:31,920 --> 00:43:34,520
Speaker 2: Yeah, I saw Usher this year, so I'm really happy

880
00:43:34,560 --> 00:43:38,400
Speaker 2: about that. In New York, I don't know if I

881
00:43:38,440 --> 00:43:39,440
Speaker 2: will see Beyonce.

882
00:43:40,000 --> 00:43:42,000
Speaker 1: We'll see interesting. Interesting.

883
00:43:42,320 --> 00:43:43,040
Speaker 4: I'm still.

884
00:43:48,320 --> 00:43:52,560
Speaker 1: Long over due my Queen. She's the reason I woke up.

885
00:43:52,640 --> 00:43:55,239
Speaker 1: I don't know. I wasn't even asleep ill you know this, Chris,

886
00:43:55,280 --> 00:43:57,160
Speaker 1: I fell asleep, putting my five year old down. I

887
00:43:57,200 --> 00:43:59,560
Speaker 1: took a little cat nap and a twin bet my

888
00:43:59,560 --> 00:44:03,440
Speaker 1: shoulders effed up, like why didn't we get him a

889
00:44:03,480 --> 00:44:06,920
Speaker 1: full bed for us? And then I just like I

890
00:44:06,960 --> 00:44:10,200
Speaker 1: went downstairs and I was watching clips of like Beyonce's

891
00:44:10,239 --> 00:44:14,160
Speaker 1: acceptance speech and Doci's acceptance speech, and I have never

892
00:44:14,239 --> 00:44:17,239
Speaker 1: been so tired than I was yesterday. But then it

893
00:44:17,320 --> 00:44:19,840
Speaker 1: was like I had a jolt of caffeine in my

894
00:44:19,960 --> 00:44:21,920
Speaker 1: veins and I just got up and I was like,

895
00:44:22,680 --> 00:44:27,640
Speaker 1: success is the resistance, like our creation, like creating and

896
00:44:28,080 --> 00:44:31,560
Speaker 1: making art, and I feel in some ways, you know

897
00:44:31,600 --> 00:44:33,920
Speaker 1: what we do is so creative, and you know we

898
00:44:33,960 --> 00:44:36,920
Speaker 1: are building something, and I just felt so called to

899
00:44:36,960 --> 00:44:40,319
Speaker 1: that purpose this morning. This day is just all one

900
00:44:40,360 --> 00:44:44,840
Speaker 1: big blur right now, and I'm I'm just excited to

901
00:44:44,920 --> 00:44:47,960
Speaker 1: feel that way again, and it's very it's giving very

902
00:44:47,960 --> 00:44:53,319
Speaker 1: big spring energy. Well, we didn't do Brown Boost Brown Break.

903
00:44:53,320 --> 00:44:58,839
Speaker 1: Do you guys know that segment of this? I always forget. Oh,

904
00:44:59,280 --> 00:44:59,640
Speaker 1: let's do it?

905
00:44:59,680 --> 00:44:59,919
Speaker 4: Really?

906
00:45:00,200 --> 00:45:02,000
Speaker 1: Do you know Brown Boost, Brown breakmark? Do you listen

907
00:45:02,040 --> 00:45:02,479
Speaker 1: to the show?

908
00:45:03,000 --> 00:45:08,839
Speaker 5: I have listened to a lot of man, but never

909
00:45:08,960 --> 00:45:12,960
Speaker 5: till the end, never to the end, never till the end.

910
00:45:14,880 --> 00:45:17,880
Speaker 2: So normally it's like at first, like ten to fifteen minutes,

911
00:45:18,400 --> 00:45:20,160
Speaker 2: especially if you send one my way out.

912
00:45:20,320 --> 00:45:20,799
Speaker 4: Listen to this.

913
00:45:22,200 --> 00:45:24,600
Speaker 1: I don't got time to be individually promoting my show

914
00:45:24,600 --> 00:45:28,680
Speaker 1: to you. Brown Boost is good, Brown Break is something bad, Chris.

915
00:45:28,480 --> 00:45:32,040
Speaker 4: Go So I guess it's one of the same, right,

916
00:45:32,120 --> 00:45:36,879
Speaker 4: So the brown break is that you know they're potentially

917
00:45:37,200 --> 00:45:40,239
Speaker 4: federal funds to pay for college could go away, right,

918
00:45:40,640 --> 00:45:43,719
Speaker 4: which will be a lot to make happen. But it

919
00:45:43,800 --> 00:45:45,640
Speaker 4: was put out there, right, so who knows what the

920
00:45:45,680 --> 00:45:47,680
Speaker 4: powers that be are doing behind the scenes to make

921
00:45:47,680 --> 00:45:50,600
Speaker 4: that reality. But the boost is that you don't have

922
00:45:50,680 --> 00:45:52,239
Speaker 4: to rely on that. There are things that you can

923
00:45:52,320 --> 00:45:55,600
Speaker 4: do if you plan accordingly, to put yourself in the

924
00:45:55,600 --> 00:45:58,360
Speaker 4: best position to still go to school without debt, without

925
00:45:58,400 --> 00:46:01,240
Speaker 4: student loans, and even if you don't get those federal grants,

926
00:46:01,280 --> 00:46:04,600
Speaker 4: you could get stuff otherwise. So that's my brown boost

927
00:46:04,640 --> 00:46:05,240
Speaker 4: brown break.

928
00:46:07,360 --> 00:46:09,520
Speaker 1: Okay, so you're boosting yourself because we need to put

929
00:46:09,520 --> 00:46:14,040
Speaker 1: the link to your book and to your program because

930
00:46:14,360 --> 00:46:17,360
Speaker 1: you actually and there's not like a one size fits

931
00:46:17,400 --> 00:46:19,839
Speaker 1: all approach to like getting scholarships. It depends on like

932
00:46:20,440 --> 00:46:24,320
Speaker 1: all your persons, like your personality, your focus, your education, whatever,

933
00:46:24,360 --> 00:46:26,719
Speaker 1: whatever you're looking for where you live. So we got

934
00:46:26,760 --> 00:46:31,120
Speaker 1: to get people into your coaching coort so they can

935
00:46:31,160 --> 00:46:32,880
Speaker 1: get that help. So they cannot.

936
00:46:32,640 --> 00:46:36,600
Speaker 4: Absolutely if you go to your debt free degree dot com,

937
00:46:36,960 --> 00:46:39,520
Speaker 4: it'll you can just it's a free video that walks

938
00:46:39,560 --> 00:46:42,000
Speaker 4: you through all of the stuff in detail. I give

939
00:46:42,120 --> 00:46:47,279
Speaker 4: this speech at Economy conference and there's information from that

940
00:46:47,400 --> 00:46:50,960
Speaker 4: in there, and if you want to pdf then I

941
00:46:51,000 --> 00:46:52,799
Speaker 4: can send that to you. So there's a link to

942
00:46:52,800 --> 00:46:54,960
Speaker 4: get on a free call with me and we'll actually

943
00:46:54,960 --> 00:46:56,600
Speaker 4: walk through a strategy. A lot of people just call

944
00:46:56,680 --> 00:46:59,080
Speaker 4: for that individualized strategy, you know, even if they don't

945
00:46:59,080 --> 00:47:01,080
Speaker 4: necessarily want to go to the next step and work

946
00:47:01,120 --> 00:47:03,279
Speaker 4: with me. Like it's a free call, so there's there's

947
00:47:03,320 --> 00:47:05,200
Speaker 4: no loss to them. It's a free call. I walking

948
00:47:05,239 --> 00:47:07,319
Speaker 4: through how to do what they want to do on

949
00:47:07,320 --> 00:47:09,680
Speaker 4: their own if they want help and they want support.

950
00:47:09,719 --> 00:47:11,080
Speaker 4: Like I said, I have a team of people that

951
00:47:11,120 --> 00:47:14,040
Speaker 4: will focus on your child if they're preparing to go

952
00:47:14,080 --> 00:47:15,880
Speaker 4: to college. And that's what we do.

953
00:47:18,400 --> 00:47:21,720
Speaker 1: Amazing. All right, Mark, what you got two.

954
00:47:21,600 --> 00:47:22,880
Speaker 3: Things I'm really excited about.

955
00:47:22,960 --> 00:47:26,120
Speaker 2: The one that's top of mind for me is Philadelphia

956
00:47:26,160 --> 00:47:28,200
Speaker 2: Eagles go into Super Bowls? Yo?

957
00:47:29,160 --> 00:47:31,040
Speaker 1: Are you one of those fans? You don't seem like

958
00:47:31,040 --> 00:47:33,400
Speaker 1: you're an obnoxious Eagles fan, but.

959
00:47:35,120 --> 00:47:37,239
Speaker 4: You, well I do.

960
00:47:38,120 --> 00:47:41,319
Speaker 3: It's only really when I'm watching it on TV. But

961
00:47:42,000 --> 00:47:44,839
Speaker 3: I'm not. I'm not. You hear the horror stories of

962
00:47:45,040 --> 00:47:46,800
Speaker 3: Eagles fans. I'm not that bad.

963
00:47:47,120 --> 00:47:50,600
Speaker 1: Don't climb a pole and die.

964
00:47:51,320 --> 00:47:51,719
Speaker 4: But I do.

965
00:47:52,800 --> 00:47:57,200
Speaker 2: Yes, that's why they grease the polls anytime that Philly

966
00:47:57,280 --> 00:47:59,280
Speaker 2: has a they win anything.

967
00:48:00,080 --> 00:48:01,480
Speaker 1: They didn't increase that one? Good enough?

968
00:48:01,920 --> 00:48:02,319
Speaker 4: They did?

969
00:48:03,480 --> 00:48:06,040
Speaker 2: Yeah, but yeah, I mean, I'm really excited about that.

970
00:48:06,160 --> 00:48:09,080
Speaker 2: I am a passionate fan where I expect the best

971
00:48:09,080 --> 00:48:13,319
Speaker 2: from the players, but I'm not the type to do

972
00:48:13,600 --> 00:48:17,880
Speaker 2: crazy things to people because they are from the opposing team.

973
00:48:18,480 --> 00:48:19,400
Speaker 3: But I'm excited for that.

974
00:48:19,520 --> 00:48:22,279
Speaker 2: Going back home, back to Phillying, get to see my

975
00:48:22,960 --> 00:48:28,080
Speaker 2: parentals biological parentals, So that's going to be happening. And

976
00:48:28,120 --> 00:48:30,800
Speaker 2: the other thing I'm really excited about is that there

977
00:48:30,880 --> 00:48:33,640
Speaker 2: are a lot of people this year that are looking

978
00:48:33,760 --> 00:48:36,680
Speaker 2: again to invest and get their finance together. A lot

979
00:48:36,719 --> 00:48:39,200
Speaker 2: of people are saying twenty twenty five is their year,

980
00:48:39,680 --> 00:48:42,840
Speaker 2: and they are actually not only talking about it, but

981
00:48:42,840 --> 00:48:46,400
Speaker 2: they're actually going and putting pen to paper and putting

982
00:48:46,440 --> 00:48:49,560
Speaker 2: things into action. So we've seen the boost and a

983
00:48:49,600 --> 00:48:53,080
Speaker 2: lot of people signing up for my free investing class,

984
00:48:53,080 --> 00:48:56,240
Speaker 2: which has been great, and have the opportunity to teach

985
00:48:56,239 --> 00:48:58,319
Speaker 2: people how to invest the right way so they can

986
00:48:58,360 --> 00:49:01,799
Speaker 2: invest from themselves or their family members and then make

987
00:49:01,840 --> 00:49:03,879
Speaker 2: sure that they don't have to get out the mud

988
00:49:03,920 --> 00:49:06,440
Speaker 2: like we had to. And maybe you know, when your

989
00:49:06,520 --> 00:49:08,759
Speaker 2: kid turns eighteen or twenty one, whatever it might be,

990
00:49:08,800 --> 00:49:11,200
Speaker 2: they have some money put away so they don't have

991
00:49:11,239 --> 00:49:11,800
Speaker 2: to struggle.

992
00:49:12,520 --> 00:49:13,960
Speaker 3: So I'm really excited for that.

993
00:49:14,200 --> 00:49:16,640
Speaker 1: In congrats to the Eagles, I'm excited for you all.

994
00:49:16,640 --> 00:49:19,439
Speaker 1: I think everyone's rooting for the Eagles because we can't

995
00:49:19,480 --> 00:49:21,359
Speaker 1: root for the Chiefs right, no one likes them, they

996
00:49:21,360 --> 00:49:22,040
Speaker 1: win too much.

997
00:49:22,320 --> 00:49:24,840
Speaker 2: As a true Philadelphia fan, what we would say is

998
00:49:24,880 --> 00:49:26,239
Speaker 2: that we haven't won anything yet.

999
00:49:26,360 --> 00:49:30,520
Speaker 1: My Brown Boost is gonna be beyonce One Album of

1000
00:49:30,600 --> 00:49:35,280
Speaker 1: the Year. The Grammys are back and relevant and finally giving,

1001
00:49:35,400 --> 00:49:38,760
Speaker 1: Like listen, I think that like if you're a black creative,

1002
00:49:38,920 --> 00:49:40,919
Speaker 1: black and brown creative, like you kind of give you've

1003
00:49:40,920 --> 00:49:44,160
Speaker 1: gave up on like expecting the Grammys to acknowledge your

1004
00:49:44,200 --> 00:49:47,120
Speaker 1: contribution and like really give you that gold. But it

1005
00:49:47,239 --> 00:49:51,319
Speaker 1: was so sweet to see Beyonce peerre like shocked her

1006
00:49:51,440 --> 00:49:54,440
Speaker 1: shock at winning Best Country Album and the way that

1007
00:49:54,520 --> 00:49:56,960
Speaker 1: she and Jay were the only two who was shocked

1008
00:49:57,200 --> 00:50:00,759
Speaker 1: because Blue Blue was like, Mama, why are you still

1009
00:50:00,760 --> 00:50:01,239
Speaker 1: sitting here?

1010
00:50:01,239 --> 00:50:04,759
Speaker 3: Like in her Julia is too right, Like he was

1011
00:50:04,800 --> 00:50:06,240
Speaker 3: pretty much like, yeah, of course.

1012
00:50:06,600 --> 00:50:09,839
Speaker 1: Yeah. She was like go, like this is the part

1013
00:50:09,840 --> 00:50:11,600
Speaker 1: where you walk on stage, like do you need help?

1014
00:50:13,360 --> 00:50:16,720
Speaker 1: And seeing Baby Blue mouthing the words to not like us,

1015
00:50:16,840 --> 00:50:18,480
Speaker 1: first of all, I was like, that's a bit grown

1016
00:50:18,520 --> 00:50:23,399
Speaker 1: for you, Blue Blue Ivy, But I love just I'm

1017
00:50:23,440 --> 00:50:26,160
Speaker 1: just so happy for her and as big as Beyonce is,

1018
00:50:26,239 --> 00:50:29,160
Speaker 1: every time she speaks, I feel like I'm hearing from

1019
00:50:29,200 --> 00:50:31,200
Speaker 1: a sister. I feel like I'm hearing from a friend.

1020
00:50:31,239 --> 00:50:35,200
Speaker 1: She's just so down to earth and she really is

1021
00:50:35,239 --> 00:50:37,920
Speaker 1: like doing it for us specifically, and the fact that

1022
00:50:37,920 --> 00:50:41,800
Speaker 1: she's winning awards and having you know, all this success

1023
00:50:41,840 --> 00:50:44,000
Speaker 1: and launching all these different companies, I feel like at

1024
00:50:44,000 --> 00:50:46,680
Speaker 1: her core, she is still just showing up for us.

1025
00:50:47,480 --> 00:50:51,960
Speaker 3: And it really just like the power of persistence. Yeah.

1026
00:50:52,200 --> 00:50:54,239
Speaker 2: I think there's so many things that people want to

1027
00:50:54,239 --> 00:50:56,359
Speaker 2: accomplish in life and they give up on the first

1028
00:50:56,440 --> 00:50:59,560
Speaker 2: try or they hear that first no. But Beyonce truly

1029
00:50:59,640 --> 00:51:02,759
Speaker 2: took that and say, Okay, how can I define, like

1030
00:51:02,840 --> 00:51:05,360
Speaker 2: redefine what I'm doing? How can I go into a

1031
00:51:05,360 --> 00:51:09,839
Speaker 2: different genre. She mentioned that genre shouldn't define us and

1032
00:51:09,960 --> 00:51:12,160
Speaker 2: to be able to go and uh, you know when

1033
00:51:12,840 --> 00:51:16,360
Speaker 2: in a space where I feel like we haven't won before,

1034
00:51:16,480 --> 00:51:19,680
Speaker 2: even though we're the ones that created that genre, is

1035
00:51:20,080 --> 00:51:24,719
Speaker 2: truly powerful. So for me, my takeaway was that time

1036
00:51:24,719 --> 00:51:27,160
Speaker 2: that you her, know, like, just keep going after it.

1037
00:51:27,239 --> 00:51:29,759
Speaker 2: If you continue to knock at that door, someone's going

1038
00:51:29,840 --> 00:51:32,239
Speaker 2: open up. And I'm happy to open up for her

1039
00:51:32,520 --> 00:51:35,200
Speaker 2: with her daughter right there, Like that is powerful.

1040
00:51:36,400 --> 00:51:39,759
Speaker 1: Well, I see what you're saying about the interrupting. So

1041
00:51:39,880 --> 00:51:41,080
Speaker 1: back to my boost.

1042
00:51:42,080 --> 00:51:43,960
Speaker 3: As I did it, as I interrupt you again, as

1043
00:51:44,000 --> 00:51:44,719
Speaker 3: I did it, I was like.

1044
00:51:46,000 --> 00:51:47,879
Speaker 1: I could just like, can I have that mic back?

1045
00:51:48,800 --> 00:51:49,200
Speaker 3: There you go.

1046
00:51:50,880 --> 00:51:51,720
Speaker 4: It's just exciting.

1047
00:51:51,680 --> 00:51:53,799
Speaker 1: But yeah, tell me, tell me more about how I

1048
00:51:53,880 --> 00:51:56,520
Speaker 1: don't I had to give mic shit.

1049
00:51:56,600 --> 00:51:57,040
Speaker 4: I just have to.

1050
00:51:57,920 --> 00:52:01,359
Speaker 1: But yeah, the Grammys and Dochy Doc Doci my swamp Princess.

1051
00:52:01,600 --> 00:52:05,960
Speaker 1: I feel like Dochi the audacity of her spirit and

1052
00:52:06,160 --> 00:52:10,520
Speaker 1: the undeniability of her talent, and her like she's younger,

1053
00:52:10,600 --> 00:52:13,160
Speaker 1: she's like what mid late twenties, and I just feel

1054
00:52:13,200 --> 00:52:15,759
Speaker 1: like she is the new generation of like young black

1055
00:52:15,800 --> 00:52:17,759
Speaker 1: women who are just they don't have to deal with

1056
00:52:17,760 --> 00:52:20,680
Speaker 1: imposter syndrome. They're skipping all that shit that like, you know,

1057
00:52:20,880 --> 00:52:24,440
Speaker 1: my generation, you know, my age age group had to

1058
00:52:24,520 --> 00:52:27,160
Speaker 1: kind of overcome and they're just like they're just winning.

1059
00:52:27,200 --> 00:52:29,880
Speaker 1: They're not waiting for anyone's permission. They are just creating.

1060
00:52:30,239 --> 00:52:33,440
Speaker 1: They're putting themselves out there. They're being really brave, and

1061
00:52:33,480 --> 00:52:35,879
Speaker 1: they are lifting one another up. And that just gives

1062
00:52:35,880 --> 00:52:38,400
Speaker 1: me so much hope so to I feel like to

1063
00:52:38,440 --> 00:52:40,400
Speaker 1: the answer of like how do you cope with the

1064
00:52:40,440 --> 00:52:43,279
Speaker 1: anxiety of everything happening, I'm just continuing to find so

1065
00:52:43,400 --> 00:52:46,840
Speaker 1: much inspiration in us and I have never been more

1066
00:52:47,719 --> 00:52:51,879
Speaker 1: just excited about the art and the tools and the

1067
00:52:51,920 --> 00:52:54,040
Speaker 1: companies and the businesses that are going to be built

1068
00:52:55,239 --> 00:52:57,839
Speaker 1: from this really dark time that we're going through right now.

1069
00:52:57,920 --> 00:53:00,680
Speaker 1: I think we're gonna have so many six stories, and

1070
00:53:00,880 --> 00:53:03,719
Speaker 1: including myself in that, like I have been, I have

1071
00:53:03,880 --> 00:53:06,360
Speaker 1: so much more. I have so many more bigger plans

1072
00:53:06,360 --> 00:53:10,919
Speaker 1: than Brown Ambition for Brown Ambition rather And this feels like,

1073
00:53:10,920 --> 00:53:12,799
Speaker 1: like you said, Mark, like twenty twenty five feels like

1074
00:53:12,800 --> 00:53:17,360
Speaker 1: the origin story of what I hope will become a blip.

1075
00:53:17,480 --> 00:53:20,120
Speaker 1: It's like, yeah, and during that time, look what we created,

1076
00:53:20,239 --> 00:53:23,920
Speaker 1: and look how we we thrived in spite of so

1077
00:53:24,040 --> 00:53:30,759
Speaker 1: many forces working against us. And yeah, Beyonce doci those examples.

1078
00:53:30,840 --> 00:53:33,600
Speaker 1: I mean, honestly you two as well being an inspiration

1079
00:53:33,719 --> 00:53:37,360
Speaker 1: of like that persistence. To bring it back to Mark's point,

1080
00:53:38,400 --> 00:53:44,439
Speaker 1: the persistence, and yeah, just what happens when you don't

1081
00:53:44,480 --> 00:53:47,320
Speaker 1: give up and you expect the failure and you welcome

1082
00:53:47,360 --> 00:53:50,399
Speaker 1: the failure because you know it's not forever and it's

1083
00:53:50,480 --> 00:53:53,759
Speaker 1: part of the journey. So I'm very happy to be

1084
00:53:53,800 --> 00:53:58,040
Speaker 1: in my springtime and to have y'all here, and thank

1085
00:53:58,120 --> 00:54:00,439
Speaker 1: y'all again for just like sharing your light with a show.

1086
00:54:00,480 --> 00:54:02,640
Speaker 1: And you know, let me tease you a little bit.

1087
00:54:04,360 --> 00:54:04,960
Speaker 1: Appreciate it.

1088
00:54:05,400 --> 00:54:08,000
Speaker 4: We're honored, We are definitely honored to be a part

1089
00:54:08,040 --> 00:54:10,520
Speaker 4: of this moment with you, and I know I am

1090
00:54:10,600 --> 00:54:11,239
Speaker 4: so thank you.

1091
00:54:11,400 --> 00:54:14,319
Speaker 1: Thank you Chris, thank you Mark. All Right, BA fan,

1092
00:54:14,440 --> 00:54:21,080
Speaker 1: we will see you Friday for the b a QA