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When people all around the world first 18 00:01:08,480 --> 00:01:11,399 Speaker 2: started going out protesting this summer, you'd hear it over 19 00:01:11,440 --> 00:01:15,440 Speaker 2: and over. This time is different, But how and who 20 00:01:15,480 --> 00:01:17,880 Speaker 2: are the people trying to make it different? And gimleus 21 00:01:17,959 --> 00:01:22,199 Speaker 2: new podcast resistance posts? SAYI T John Thomas Jr. Brings 22 00:01:22,280 --> 00:01:24,120 Speaker 2: us stories from the front lines of the movement for 23 00:01:24,200 --> 00:01:27,160 Speaker 2: Black lives, told by the generation fighting for the change. 24 00:01:27,480 --> 00:01:29,959 Speaker 2: It's a show about people refusing to accept things as 25 00:01:29,959 --> 00:01:32,160 Speaker 2: they are and how we can make sure this time 26 00:01:32,400 --> 00:01:35,920 Speaker 2: really is different. Resistance is out now, follow and listen 27 00:01:35,959 --> 00:01:39,839 Speaker 2: for free on Spotify. 28 00:01:41,440 --> 00:01:45,080 Speaker 3: All right, guys, welcome back to Earn your Lisia United 29 00:01:45,120 --> 00:01:47,880 Speaker 3: Masters of this Year. That's our partners Select Con. Shout 30 00:01:47,880 --> 00:01:49,240 Speaker 3: out to the good folks at United Man. 31 00:01:49,320 --> 00:01:51,640 Speaker 2: Shout out to Dave Christine holding it down over there. 32 00:01:51,640 --> 00:01:53,720 Speaker 4: Appreciate you, good people. Good people. 33 00:01:54,560 --> 00:01:57,080 Speaker 3: So today's going to be an exciting conversation. We have 34 00:01:57,200 --> 00:02:00,400 Speaker 3: two dynamites that we're gonna talk about, you know, the 35 00:02:00,440 --> 00:02:06,560 Speaker 3: world of music, the world of business, financial, all of that, 36 00:02:06,640 --> 00:02:09,040 Speaker 3: all of that stuff. So first up to bat for 37 00:02:09,120 --> 00:02:15,399 Speaker 3: the introduction. Toby Wigway, no Wig. 38 00:02:17,840 --> 00:02:19,320 Speaker 4: Now, did I get it? 39 00:02:20,320 --> 00:02:23,799 Speaker 5: I ain't mad at I A'm mad. 40 00:02:24,080 --> 00:02:26,680 Speaker 3: I'm sorry. My name is my name is Rasha Valau. 41 00:02:26,760 --> 00:02:28,799 Speaker 3: So people people mess up my name all the time, 42 00:02:28,880 --> 00:02:31,480 Speaker 3: so I'm hyper sensitive. Whenever I don't I never wanted 43 00:02:31,520 --> 00:02:31,920 Speaker 3: to know. 44 00:02:32,400 --> 00:02:34,120 Speaker 2: He usually just goes you do it, and I'm like, 45 00:02:34,320 --> 00:02:34,880 Speaker 2: I'm about it. 46 00:02:34,880 --> 00:02:37,079 Speaker 3: They call me Rashid. They call me all kinds of stuff. 47 00:02:37,120 --> 00:02:38,919 Speaker 3: So I'm sorry. 48 00:02:38,880 --> 00:02:43,119 Speaker 6: Her way more uh way worse uh in a leave 49 00:02:43,440 --> 00:02:45,160 Speaker 6: with substitutes. 50 00:02:46,720 --> 00:02:53,720 Speaker 4: And say cool kaylen uh Kaitlynka. 51 00:02:53,760 --> 00:02:57,480 Speaker 3: So say Cool is the head of the Advanced Black 52 00:02:57,520 --> 00:03:01,280 Speaker 3: Pathways at Chase, a managing partner Chase main director at Chase. 53 00:03:01,280 --> 00:03:02,840 Speaker 3: He's been with Chase for fifteen years and he's been 54 00:03:02,880 --> 00:03:06,560 Speaker 3: the banking industry for twenty years. And Toby is one 55 00:03:06,560 --> 00:03:09,959 Speaker 3: of the hottest artists in the game right now, one 56 00:03:10,000 --> 00:03:12,200 Speaker 3: of the most dangerous them seeds coming out of the 57 00:03:12,240 --> 00:03:13,600 Speaker 3: A Leaf swat. 58 00:03:14,800 --> 00:03:22,320 Speaker 4: We learned about that I'm doing, I'm doing Yeah. So Toby. 59 00:03:22,400 --> 00:03:25,120 Speaker 3: Toby is really dope because he he has a really 60 00:03:25,520 --> 00:03:29,359 Speaker 3: interesting backstory. He's Nigerian. He went to college for I 61 00:03:29,400 --> 00:03:30,640 Speaker 3: think four years. I believe he used to be an 62 00:03:30,639 --> 00:03:33,639 Speaker 3: athlete and he told his family that he wanted to 63 00:03:33,680 --> 00:03:36,200 Speaker 3: be a rapper, and they were like, why do you 64 00:03:36,200 --> 00:03:36,560 Speaker 3: want to be? 65 00:03:37,080 --> 00:03:37,680 Speaker 6: What is this? 66 00:03:39,960 --> 00:03:43,840 Speaker 3: But if if you follow him on Instagram, he's he's 67 00:03:43,880 --> 00:03:46,880 Speaker 3: like a very eclectic kind of guy because he's from Houston. 68 00:03:46,960 --> 00:03:49,480 Speaker 3: But it's it's like you might see him with gold 69 00:03:49,520 --> 00:03:52,080 Speaker 3: teeth in his mouth, but then he has like live 70 00:03:52,160 --> 00:03:55,920 Speaker 3: instruments and then he does a lot of political activism. 71 00:03:56,040 --> 00:03:58,200 Speaker 3: So it's like a lot of different flavors. 72 00:03:58,480 --> 00:03:58,880 Speaker 4: It's like a. 73 00:03:58,840 --> 00:04:01,600 Speaker 2: Gumbo making it himself, branded it himself. 74 00:04:01,920 --> 00:04:04,640 Speaker 4: He's putting this guy is a dynamo. 75 00:04:04,720 --> 00:04:07,520 Speaker 3: He's a dynamo and it's no wonder that he's working 76 00:04:07,520 --> 00:04:10,440 Speaker 3: with United Master's because he's independent. So that's the conversation 77 00:04:10,520 --> 00:04:13,400 Speaker 3: that we're gonna have. So Toby, first and foremost, thank 78 00:04:13,440 --> 00:04:14,600 Speaker 3: you for joining us. I want to start with you. 79 00:04:14,680 --> 00:04:15,960 Speaker 3: Then say who I'm gonna go to, I'm gonna go 80 00:04:16,000 --> 00:04:19,520 Speaker 3: to you. So, Toby, you come from, like I said, 81 00:04:19,560 --> 00:04:21,359 Speaker 3: an interest in background as far as like you know, 82 00:04:21,400 --> 00:04:25,400 Speaker 3: being an athlete, going to college and then wanting to 83 00:04:25,440 --> 00:04:29,599 Speaker 3: be an entertainer, So taking an independent route, Like is 84 00:04:29,600 --> 00:04:31,720 Speaker 3: that something that was taught in your household as far 85 00:04:31,720 --> 00:04:33,640 Speaker 3: as you know having African parents, we all know that 86 00:04:33,720 --> 00:04:37,920 Speaker 3: I think Nigerians have the highest level of college degrees 87 00:04:38,040 --> 00:04:41,440 Speaker 3: I believe out of any ethnic group in America something 88 00:04:41,480 --> 00:04:45,000 Speaker 3: like that. So so was that something that you know 89 00:04:44,880 --> 00:04:47,000 Speaker 3: you kind of you think how to had to head 90 00:04:47,200 --> 00:04:51,000 Speaker 3: start as far as the business standpoint at in your house. 91 00:04:51,800 --> 00:04:55,599 Speaker 7: Absolutely not. That's a strong, strong Hell. 92 00:04:55,680 --> 00:04:57,480 Speaker 6: Now, my mom wanted my parents want me to do 93 00:04:57,520 --> 00:04:58,719 Speaker 6: something extremely safe. 94 00:04:59,120 --> 00:04:59,880 Speaker 7: They wanted me to. 95 00:05:00,279 --> 00:05:04,880 Speaker 6: Do the due to the natural uh Nigerian stuff doctor lawyer, engineer. 96 00:05:05,200 --> 00:05:06,760 Speaker 7: So when I told him I was gonna be doing 97 00:05:06,800 --> 00:05:07,240 Speaker 7: what I was. 98 00:05:07,200 --> 00:05:11,000 Speaker 6: Gonna be doing, uh and it all started from like 99 00:05:11,000 --> 00:05:13,839 Speaker 6: a nonprofit, my mom looked at me like what, like, 100 00:05:15,080 --> 00:05:19,760 Speaker 6: you know, Nigerian's master the art of over dramatic negative encouragements. 101 00:05:20,120 --> 00:05:23,160 Speaker 6: Like her first reaction to me being an entrepreneur and 102 00:05:23,200 --> 00:05:26,279 Speaker 6: starting the nonprofities, Oh my god, why, how's God for 103 00:05:26,360 --> 00:05:26,960 Speaker 6: sake on me? 104 00:05:29,360 --> 00:05:30,799 Speaker 7: What have I gone to this? 105 00:05:30,800 --> 00:05:35,280 Speaker 5: This type off costs you know what I'm saying. 106 00:05:35,640 --> 00:05:39,120 Speaker 6: She just couldn't understand like how it was gonna work 107 00:05:39,120 --> 00:05:42,040 Speaker 6: out for me because like she, she and I had 108 00:05:42,080 --> 00:05:43,560 Speaker 6: to take it with a grain of salt, because most 109 00:05:43,680 --> 00:05:48,880 Speaker 6: Nigerian parents, especially for the first generation born kids UH 110 00:05:48,960 --> 00:05:51,359 Speaker 6: in the US, they feel like, look us, doing what 111 00:05:51,440 --> 00:05:54,159 Speaker 6: we had to do to get here was risk enough. 112 00:05:54,839 --> 00:05:57,480 Speaker 6: Get into something that's gonna give you, give you something 113 00:05:57,560 --> 00:06:00,680 Speaker 6: right now, get you some ends right now, and don't 114 00:06:00,680 --> 00:06:03,840 Speaker 6: do nothing else risky. We risked it all you good. 115 00:06:04,800 --> 00:06:07,240 Speaker 6: But once she saw like all the you know what 116 00:06:07,240 --> 00:06:10,479 Speaker 6: I'm saying, accolades and everything that that came with me 117 00:06:10,600 --> 00:06:14,880 Speaker 6: being an independent artist, an entrepreneur, business owner, all that 118 00:06:14,920 --> 00:06:18,599 Speaker 6: type of stuff. Today Chappelle to Beyonce, playlist, Michelle Obama 119 00:06:18,720 --> 00:06:22,640 Speaker 6: stuff like uh, she she's relaxed. 120 00:06:23,160 --> 00:06:25,159 Speaker 2: Well, we can't let that go over our heads. Like 121 00:06:25,240 --> 00:06:26,680 Speaker 2: those are those some prominent names. 122 00:06:26,720 --> 00:06:29,240 Speaker 4: You just said, hell of an accomplishment. 123 00:06:30,080 --> 00:06:31,960 Speaker 7: We we we real blessed in this season. 124 00:06:32,760 --> 00:06:34,880 Speaker 2: So I got a quick question when it comes to 125 00:06:35,040 --> 00:06:36,919 Speaker 2: being independent, I know there's a lot that comes with 126 00:06:36,960 --> 00:06:39,320 Speaker 2: everything is on you. Has there been a time from 127 00:06:39,400 --> 00:06:43,600 Speaker 2: the beginning where your artistic vision actually collided with your 128 00:06:43,640 --> 00:06:44,640 Speaker 2: financial reality? 129 00:06:46,120 --> 00:06:48,720 Speaker 7: Oh? Yeah, when I first started, you know what I'm saying, I. 130 00:06:48,720 --> 00:06:50,920 Speaker 4: Was broke exactly. 131 00:06:51,960 --> 00:06:52,479 Speaker 7: You know what I'm saying. 132 00:06:52,480 --> 00:06:54,000 Speaker 6: I have a vision for what I wanted to do, 133 00:06:54,279 --> 00:06:56,560 Speaker 6: but what but why? What it made me do was 134 00:06:56,680 --> 00:07:00,719 Speaker 6: master the art of being resourceful. So so I like, 135 00:07:00,839 --> 00:07:03,640 Speaker 6: I'm mastered being able to do stuff with absolutely nothing, 136 00:07:03,680 --> 00:07:06,400 Speaker 6: no budget, no, no, none of the extra stuff. So 137 00:07:06,480 --> 00:07:08,920 Speaker 6: everything that I do now, in my mind low key 138 00:07:09,040 --> 00:07:11,800 Speaker 6: is a luxury. So I could I could do I 139 00:07:11,840 --> 00:07:15,400 Speaker 6: could do much with absolutely nothing. 140 00:07:16,640 --> 00:07:18,040 Speaker 4: Yeah, that's important, that's important. 141 00:07:18,080 --> 00:07:20,240 Speaker 3: You know, it's interesting, especially like we're from New York, 142 00:07:20,280 --> 00:07:23,480 Speaker 3: but I always admired the South. I was always a 143 00:07:23,480 --> 00:07:25,000 Speaker 3: big fan of the South. And one of the things 144 00:07:25,000 --> 00:07:26,679 Speaker 3: I always aminded about the South is that the business 145 00:07:26,720 --> 00:07:28,320 Speaker 3: acumen of a lot of the guys from the South 146 00:07:28,360 --> 00:07:31,840 Speaker 3: early on, even from a J. Prince master P, slim Baby, 147 00:07:32,080 --> 00:07:34,440 Speaker 3: it seems like down South they was they was ahead 148 00:07:34,440 --> 00:07:36,760 Speaker 3: of that wave as far as like independent and and 149 00:07:37,120 --> 00:07:39,840 Speaker 3: like selling music out your trunk, where the bigger artists 150 00:07:39,840 --> 00:07:43,320 Speaker 3: in New York at that time was signed to death. 151 00:07:42,920 --> 00:07:44,680 Speaker 4: Sign the day. 152 00:07:44,800 --> 00:07:46,680 Speaker 3: The day and age that we in now right where 153 00:07:46,800 --> 00:07:50,040 Speaker 3: it's it's like you don't technically need a label, but 154 00:07:50,160 --> 00:07:52,000 Speaker 3: a lot of artists are still signing to like the 155 00:07:52,200 --> 00:07:54,440 Speaker 3: big the biggest artists in the game are still signed 156 00:07:54,440 --> 00:07:59,360 Speaker 3: to labels. So like, how do you you got well? 157 00:07:59,360 --> 00:08:01,040 Speaker 7: I was saying, I don't. 158 00:08:01,040 --> 00:08:04,280 Speaker 6: I don't necessarily believe that everybody don't need to be 159 00:08:04,400 --> 00:08:08,120 Speaker 6: signed to a label. It And this is my thought 160 00:08:08,160 --> 00:08:10,680 Speaker 6: process because at first I was like, bruh, what are 161 00:08:10,720 --> 00:08:12,840 Speaker 6: y'all doing? You know they getting all your money blah 162 00:08:12,840 --> 00:08:14,400 Speaker 6: blah blah blah blah. You could you could do this 163 00:08:14,440 --> 00:08:17,800 Speaker 6: all yourself, but everybody don't got vision, Like that everybody 164 00:08:17,840 --> 00:08:20,800 Speaker 6: can't like don't know how to brand themselves, market themselves, 165 00:08:21,160 --> 00:08:24,600 Speaker 6: write their own stuff, direct their own videos. And I 166 00:08:24,680 --> 00:08:27,600 Speaker 6: think because it comes, some of that stuff come like 167 00:08:27,920 --> 00:08:32,319 Speaker 6: not necessarily easy, but natural to me. I'm thinking, like, yo, 168 00:08:32,400 --> 00:08:34,120 Speaker 6: y'all should be able to do this too. If y'all 169 00:08:34,160 --> 00:08:36,719 Speaker 6: just you know what I'm saying, put the grind for it. 170 00:08:36,720 --> 00:08:37,679 Speaker 7: But that's not how. 171 00:08:37,880 --> 00:08:40,800 Speaker 6: Everybody not built like that, and everybody some people do 172 00:08:40,960 --> 00:08:44,240 Speaker 6: need people to like brand it all up, market it 173 00:08:44,280 --> 00:08:46,760 Speaker 6: all up, package it all together for you. Get somebody 174 00:08:46,800 --> 00:08:49,000 Speaker 6: to write your stuff, get somebody to direct your video. 175 00:08:49,040 --> 00:08:50,480 Speaker 6: You don't really got no vision of how you want 176 00:08:50,480 --> 00:08:52,280 Speaker 6: to put your stuff out, you know what I'm saying. 177 00:08:52,280 --> 00:08:55,559 Speaker 6: So I used to be on everybody should be independent. 178 00:08:55,600 --> 00:08:58,240 Speaker 6: Now I really don't mean I promise you I'm fifty. 179 00:08:57,960 --> 00:09:02,400 Speaker 3: Fifty, but so yeah, so well go ask is like 180 00:09:03,120 --> 00:09:05,679 Speaker 3: you as as an independent artist coming up right? Like 181 00:09:06,080 --> 00:09:07,920 Speaker 3: how important? Cause we talked to business owners a lot 182 00:09:07,920 --> 00:09:10,360 Speaker 3: on the podcast. We talk about systems, like creating systems, 183 00:09:10,679 --> 00:09:12,360 Speaker 3: but I feel like for artists you have to have 184 00:09:12,400 --> 00:09:15,199 Speaker 3: systems in place as well, like as far as like 185 00:09:15,200 --> 00:09:17,959 Speaker 3: like you said, your merch your video, So when did 186 00:09:18,000 --> 00:09:21,199 Speaker 3: you realize that you have to actually have systems in place, 187 00:09:21,280 --> 00:09:25,400 Speaker 3: and how was it actually putting systems in place to 188 00:09:25,480 --> 00:09:29,200 Speaker 3: actually run your music like it is a business. So like, 189 00:09:29,400 --> 00:09:31,520 Speaker 3: can you talk about that for like an aspiring artist 190 00:09:31,600 --> 00:09:33,880 Speaker 3: that may want to be independent, but they just they 191 00:09:33,880 --> 00:09:35,640 Speaker 3: don't really know how to run a business and they're 192 00:09:35,640 --> 00:09:37,079 Speaker 3: not really sure about like the best way to go 193 00:09:37,160 --> 00:09:37,520 Speaker 3: about it. 194 00:09:38,920 --> 00:09:41,640 Speaker 6: Yeah, Well, I realized I need systems in place when 195 00:09:41,640 --> 00:09:43,560 Speaker 6: I was about to when I was about to burn 196 00:09:43,640 --> 00:09:47,520 Speaker 6: out and die trying to package all the stuff, write 197 00:09:47,559 --> 00:09:50,080 Speaker 6: all the songs, help produce all the songs, direct all 198 00:09:50,120 --> 00:09:54,520 Speaker 6: the videos and the merch thing was. It was real 199 00:09:54,600 --> 00:09:57,960 Speaker 6: tough for me, but I had to get But choosing 200 00:09:58,160 --> 00:10:01,040 Speaker 6: like a specific type of person in a specific group 201 00:10:01,080 --> 00:10:03,840 Speaker 6: of people to help me with the stuff that I'm. 202 00:10:03,679 --> 00:10:06,960 Speaker 7: Doing was extremely key. I need a specific type of person. 203 00:10:07,000 --> 00:10:08,839 Speaker 6: You got to be good people, and then you got 204 00:10:08,880 --> 00:10:12,480 Speaker 6: to understand that we independent, like there's nothing whatever. 205 00:10:12,240 --> 00:10:14,080 Speaker 7: Needs to be done, we gonna have to do it. 206 00:10:14,400 --> 00:10:16,240 Speaker 6: And I had to get people that had the mindset 207 00:10:16,480 --> 00:10:19,000 Speaker 6: and not the like nine to five stuff should already 208 00:10:19,040 --> 00:10:20,880 Speaker 6: be taken care of type of mindset. 209 00:10:21,880 --> 00:10:24,839 Speaker 4: So six, I want I want to bring you in no, 210 00:10:24,960 --> 00:10:26,360 Speaker 4: got it, got Toby Toby. 211 00:10:26,840 --> 00:10:29,400 Speaker 7: No, no, No, that's basically it. I just had to 212 00:10:29,400 --> 00:10:30,840 Speaker 7: get a specific type of person. 213 00:10:31,080 --> 00:10:33,720 Speaker 6: And you know, I'm real family oriented, real relational, so 214 00:10:34,520 --> 00:10:37,000 Speaker 6: you know, I do all of this with my family. 215 00:10:37,080 --> 00:10:39,520 Speaker 6: And like I said, I'm mastered the art of being resourceful. 216 00:10:39,559 --> 00:10:42,760 Speaker 6: So I literally chose to do this with people who 217 00:10:42,800 --> 00:10:44,679 Speaker 6: I do life with and not that they were just 218 00:10:45,160 --> 00:10:48,560 Speaker 6: like extreme experts and nothing like that, because they weren't. 219 00:10:48,080 --> 00:10:50,719 Speaker 6: My wife ain't no nothing to like nothing about none 220 00:10:50,760 --> 00:10:53,480 Speaker 6: of this industry. Nel was literally just starting to make 221 00:10:53,480 --> 00:10:56,160 Speaker 6: beaks when I when I started to rap. So she 222 00:10:56,280 --> 00:11:00,000 Speaker 6: wasn't like Timberland Swiss. She wasn't like, like no crazy 223 00:11:00,080 --> 00:11:02,160 Speaker 6: reducerr like that. The majority of the stuff that she 224 00:11:02,200 --> 00:11:05,120 Speaker 6: was seeing me was like poo cheese. 225 00:11:04,440 --> 00:11:07,040 Speaker 4: Try y'all gonna grow together. 226 00:11:09,200 --> 00:11:11,240 Speaker 7: We got to work this way. When you're coming up. 227 00:11:11,280 --> 00:11:13,400 Speaker 7: You can't like be like, oh, let me get up there. Now, 228 00:11:13,559 --> 00:11:15,600 Speaker 7: find somebody that's on your level and then everybody come 229 00:11:15,679 --> 00:11:16,120 Speaker 7: up together. 230 00:11:16,440 --> 00:11:16,680 Speaker 4: Yeah. 231 00:11:17,040 --> 00:11:19,480 Speaker 2: That's something we stress a lot, is like look look sideways, man. 232 00:11:19,600 --> 00:11:21,720 Speaker 2: You always have to look up to find somebody who's 233 00:11:21,720 --> 00:11:23,200 Speaker 2: doing it the best. Like a lot of times if 234 00:11:23,200 --> 00:11:25,720 Speaker 2: you look to the side you can grow together. So 235 00:11:25,760 --> 00:11:27,840 Speaker 2: that's definitely important. Sake y'all want to bring you in 236 00:11:27,880 --> 00:11:32,120 Speaker 2: because we're talking about financial literacy and how it affects artists, 237 00:11:32,440 --> 00:11:34,600 Speaker 2: and I want to know how ABP, because we learned 238 00:11:34,600 --> 00:11:36,920 Speaker 2: through music, we will admittedly talking about that a lot, 239 00:11:36,960 --> 00:11:39,079 Speaker 2: like we learned a lot of our lessons to music. 240 00:11:39,360 --> 00:11:41,040 Speaker 2: I want to know what the role that ABP is 241 00:11:41,040 --> 00:11:44,080 Speaker 2: gonna be playing. And in terms of getting that financial 242 00:11:44,160 --> 00:11:47,600 Speaker 2: literacy financial growth to our community, well. 243 00:11:47,480 --> 00:11:49,680 Speaker 5: It's a quickically important question. 244 00:11:50,120 --> 00:11:53,199 Speaker 8: So Advancing Black Pathways we launched in twenty nineteen, really 245 00:11:53,240 --> 00:11:57,079 Speaker 8: to focus on strengthening the economic foundation of the black community. 246 00:11:57,280 --> 00:11:59,640 Speaker 8: And the key part of that is the financial health 247 00:11:59,720 --> 00:12:03,360 Speaker 8: because too often people make the mistake and thinking is 248 00:12:03,400 --> 00:12:05,240 Speaker 8: how much you make, But it's not what you make, 249 00:12:05,559 --> 00:12:08,360 Speaker 8: it's what you keep and grow. And so talking about 250 00:12:08,400 --> 00:12:11,360 Speaker 8: financial health, which has been a taboo topic. 251 00:12:11,000 --> 00:12:13,439 Speaker 5: In our community. Right, My parents didn't. 252 00:12:13,240 --> 00:12:16,120 Speaker 8: Talk to me about money, right, so if I then 253 00:12:16,360 --> 00:12:19,880 Speaker 8: enter like the work world, these things you know, weren't 254 00:12:19,960 --> 00:12:23,280 Speaker 8: firsthand to me and working in banking. So for us, 255 00:12:23,320 --> 00:12:27,280 Speaker 8: we've launched a number of initiatives to really promote, you know, 256 00:12:27,400 --> 00:12:31,480 Speaker 8: the dialogue and show what tools you can leverage so 257 00:12:31,520 --> 00:12:32,200 Speaker 8: that you can. 258 00:12:32,200 --> 00:12:35,440 Speaker 5: Actually grow and build wealth. So it is important. And 259 00:12:35,880 --> 00:12:36,600 Speaker 5: about the music. 260 00:12:36,720 --> 00:12:40,319 Speaker 8: One thing that's interesting to me is the evolution of 261 00:12:41,240 --> 00:12:44,040 Speaker 8: materialism or the finances and the music. See, I remember 262 00:12:44,240 --> 00:12:46,760 Speaker 8: when Dougie Fresh was talking about I'm in a Cherokee 263 00:12:46,760 --> 00:12:49,839 Speaker 8: and cheerwheels in Aaliti, Right, and then you go along 264 00:12:49,840 --> 00:12:51,200 Speaker 8: and all of a sudden you got the lamboas and 265 00:12:51,200 --> 00:12:55,000 Speaker 8: Brigatti's Like something happened in that time frame. But yet 266 00:12:55,040 --> 00:12:58,559 Speaker 8: we don't hear the focus on the assets that actually, 267 00:12:58,880 --> 00:13:01,520 Speaker 8: you know, grow that enable you to build wealth and 268 00:13:01,559 --> 00:13:06,079 Speaker 8: appreciate versus depreciate. So just getting people to really anchor 269 00:13:06,120 --> 00:13:10,040 Speaker 8: on you know, how do you build and grow wealth? 270 00:13:10,559 --> 00:13:15,520 Speaker 3: So all right, it's so coming from a corporate background, 271 00:13:15,559 --> 00:13:18,400 Speaker 3: you're in the corporate world, right, So you guys have 272 00:13:18,520 --> 00:13:22,640 Speaker 3: three different, uh I guess pathways where wealth creation, careers, 273 00:13:22,640 --> 00:13:26,079 Speaker 3: and education. Right, So can you talk about each one individually? 274 00:13:26,160 --> 00:13:29,680 Speaker 3: Because like, I think one thing, like we talk a 275 00:13:29,720 --> 00:13:33,440 Speaker 3: lot with entrepreneurs and stuff like that, but as even 276 00:13:33,480 --> 00:13:36,320 Speaker 3: Toby said, everybody's not gonna be an entrepreneur and that's okay, 277 00:13:36,400 --> 00:13:39,040 Speaker 3: Like some people are just not cut out to be entrepreneurs. Right, 278 00:13:39,360 --> 00:13:44,280 Speaker 3: So I'm interesting to hear your idea about careers because 279 00:13:44,280 --> 00:13:47,160 Speaker 3: we know, like even I think black women own get 280 00:13:47,200 --> 00:13:50,559 Speaker 3: college degrees at the highest rate, but they're still underpaid. 281 00:13:51,840 --> 00:13:52,640 Speaker 4: They still. 282 00:13:54,920 --> 00:13:58,920 Speaker 3: Yeah, absolutely, and they get venture capital at the lowest rate. 283 00:14:00,320 --> 00:14:04,520 Speaker 3: And you yeah, so yeah, how do we how do 284 00:14:04,559 --> 00:14:06,160 Speaker 3: we how do we how do we make this right 285 00:14:06,960 --> 00:14:08,720 Speaker 3: in the corporate world. 286 00:14:09,800 --> 00:14:12,760 Speaker 8: So what we're doing from advancing black pathways is one 287 00:14:12,880 --> 00:14:14,880 Speaker 8: supporting the entrepreneurship. 288 00:14:14,200 --> 00:14:14,880 Speaker 5: But I'll get to that. 289 00:14:14,920 --> 00:14:17,120 Speaker 8: But the education piece for us, you know, we made 290 00:14:17,160 --> 00:14:20,360 Speaker 8: a commitment to hire four thousand you know, black students, 291 00:14:20,640 --> 00:14:23,560 Speaker 8: right and put them on pathways where they can earn 292 00:14:23,960 --> 00:14:26,200 Speaker 8: you know, you know great, you know, have a great 293 00:14:26,200 --> 00:14:28,600 Speaker 8: career and earn again a lot, a lot of money. 294 00:14:28,640 --> 00:14:30,680 Speaker 5: And so that was important for us. 295 00:14:30,720 --> 00:14:33,400 Speaker 8: And then the first year we hired over a thousand students, 296 00:14:33,560 --> 00:14:37,240 Speaker 8: but really giving them that pathway and showing them the 297 00:14:37,360 --> 00:14:41,200 Speaker 8: art of the possible, but also you know, overlaying financial health. 298 00:14:41,400 --> 00:14:43,640 Speaker 8: So we did this at Howard University and we're doing 299 00:14:43,640 --> 00:14:46,720 Speaker 8: it at all schools, but but to try to at 300 00:14:46,720 --> 00:14:49,920 Speaker 8: an earlier stage, you know, make sure we're highlighting the 301 00:14:49,920 --> 00:14:53,480 Speaker 8: importance to financial topics because and you may appreciate this. 302 00:14:53,560 --> 00:14:56,480 Speaker 8: Our generation, we used to talk about keeping it one hundred, 303 00:14:56,520 --> 00:14:58,800 Speaker 8: which meant keeping it real, and I want to get 304 00:14:58,800 --> 00:15:01,480 Speaker 8: people talking about keeping it seven hundred, meaning keeping your 305 00:15:01,520 --> 00:15:05,240 Speaker 8: credit score above seven hundred so that you can access 306 00:15:05,520 --> 00:15:07,880 Speaker 8: the banking industry. And so that's where we have to 307 00:15:07,920 --> 00:15:11,000 Speaker 8: shift the dialogue and really talk about as we're thinking 308 00:15:11,040 --> 00:15:15,360 Speaker 8: about education in our career, focus on financial health earlier 309 00:15:15,560 --> 00:15:17,200 Speaker 8: and the importance of entrepreneurship. 310 00:15:17,480 --> 00:15:18,760 Speaker 5: That's where wealth is created. 311 00:15:19,120 --> 00:15:22,400 Speaker 8: Black entrepreneurs have twelve times in that worth of black 312 00:15:22,440 --> 00:15:23,640 Speaker 8: non entrepreneurs, right. 313 00:15:23,680 --> 00:15:25,160 Speaker 5: So that's why. 314 00:15:24,920 --> 00:15:28,400 Speaker 8: We've created this program to truly get access to capital, 315 00:15:28,560 --> 00:15:32,560 Speaker 8: content advisory services for black entrepreneurs, because that's the only 316 00:15:32,600 --> 00:15:35,920 Speaker 8: way we're going to really create jobs and grow and 317 00:15:35,960 --> 00:15:39,320 Speaker 8: strengthen our community. Entrepreneurship has always been the way for 318 00:15:39,360 --> 00:15:42,160 Speaker 8: black folks when there was no corporate path, right, and 319 00:15:42,200 --> 00:15:46,560 Speaker 8: so entrepreneurship remains critical for our wealth building in our community. 320 00:15:47,480 --> 00:15:50,320 Speaker 2: I'm thinking now, like, especially from an artists standpoint, like, 321 00:15:51,640 --> 00:15:55,040 Speaker 2: could there be some type of financial service company that 322 00:15:55,080 --> 00:15:58,000 Speaker 2: comes along and decides to partner with an artist or 323 00:15:58,040 --> 00:16:01,160 Speaker 2: a brand like United Masters to give them give people 324 00:16:01,160 --> 00:16:03,120 Speaker 2: a training, right like I know that, you know, twenty 325 00:16:03,120 --> 00:16:05,480 Speaker 2: one Savage is doing financial literacy and I love with 326 00:16:05,680 --> 00:16:09,520 Speaker 2: with Killer MICA's doing, and obviously we're trying to do 327 00:16:09,520 --> 00:16:12,600 Speaker 2: for the community. But in other professions, like even in 328 00:16:12,640 --> 00:16:15,000 Speaker 2: the NBA, like they have a rookie camp or you know, 329 00:16:15,040 --> 00:16:18,000 Speaker 2: something like that prepares them for what's about to happen 330 00:16:18,000 --> 00:16:20,640 Speaker 2: when they come into money. I'm wondering what you think 331 00:16:20,680 --> 00:16:22,640 Speaker 2: the benefits of that would be, Toby. You can answer 332 00:16:22,720 --> 00:16:25,480 Speaker 2: that and say cool. You can answer from from the 333 00:16:25,520 --> 00:16:28,120 Speaker 2: financial service standpoint the benefits of that and why we 334 00:16:28,200 --> 00:16:31,040 Speaker 2: haven't you know, come to form a coalition that that 335 00:16:31,080 --> 00:16:32,000 Speaker 2: would facilitate that. 336 00:16:33,640 --> 00:16:37,160 Speaker 6: Well, I think it'll be phenomenal because I feel like 337 00:16:37,200 --> 00:16:40,440 Speaker 6: there's so many there's so many artists that don't have 338 00:16:40,640 --> 00:16:44,360 Speaker 6: a clue what's going on in the industry when they 339 00:16:44,360 --> 00:16:46,960 Speaker 6: get involved. And I'll be honest, when I first started 340 00:16:46,960 --> 00:16:49,600 Speaker 6: doing music, I didn't have a clue. I just I 341 00:16:49,680 --> 00:16:51,600 Speaker 6: just had the talent and the vision to do what 342 00:16:51,640 --> 00:16:52,760 Speaker 6: I was doing. But I had to get with some 343 00:16:52,760 --> 00:16:55,440 Speaker 6: people who were well versed in the industry that could 344 00:16:55,480 --> 00:16:56,000 Speaker 6: give me game. 345 00:16:56,040 --> 00:16:58,040 Speaker 7: I got with you know what I'm saying, Steve Stout 346 00:16:58,040 --> 00:16:58,600 Speaker 7: gave me a lot of. 347 00:16:58,600 --> 00:17:00,520 Speaker 6: Game when I first went to with him in his 348 00:17:00,640 --> 00:17:03,600 Speaker 6: office and let me know, like, hey, just keep doing 349 00:17:03,600 --> 00:17:05,639 Speaker 6: what you're doing, like you're doing all the all the 350 00:17:05,680 --> 00:17:07,600 Speaker 6: things that you need to do and you really don't 351 00:17:07,600 --> 00:17:08,240 Speaker 6: need no label. 352 00:17:08,320 --> 00:17:10,200 Speaker 7: And in my mind I was like, shoot, I might. 353 00:17:10,119 --> 00:17:12,879 Speaker 6: Have to get the label when I first started, but 354 00:17:12,920 --> 00:17:16,080 Speaker 6: it's because I didn't have any fore knowledge of the industry. 355 00:17:16,119 --> 00:17:20,840 Speaker 6: So I think financial literacy and then just literacy of 356 00:17:20,920 --> 00:17:25,000 Speaker 6: the industry. If a coalition could be set up for artists, 357 00:17:25,520 --> 00:17:28,960 Speaker 6: uh in that vein, it'll be monumental and labels would 358 00:17:29,000 --> 00:17:30,080 Speaker 6: be hurt. 359 00:17:32,400 --> 00:17:35,359 Speaker 8: Yeah, I agree, And I think, you know, taking away 360 00:17:35,400 --> 00:17:38,520 Speaker 8: the shame, like no judgment, no shame, like sometimes we 361 00:17:38,600 --> 00:17:41,280 Speaker 8: don't want to talk about, you know, as it relates 362 00:17:41,280 --> 00:17:44,080 Speaker 8: to least financial services, you know, some of these topics 363 00:17:44,080 --> 00:17:46,880 Speaker 8: because we may not know, but anything else we would 364 00:17:46,920 --> 00:17:49,000 Speaker 8: you would ask you. If I'm visiting Houston, I'm going 365 00:17:49,040 --> 00:17:50,640 Speaker 8: to ask them, Hey, where should I get my haircut? 366 00:17:50,960 --> 00:17:53,320 Speaker 8: Like or where should I pick up something for to night? 367 00:17:53,760 --> 00:17:56,680 Speaker 8: But I'm not asking you, hey, how'd you get your mortgage? 368 00:17:56,880 --> 00:17:58,760 Speaker 8: Like like what process did you go through? 369 00:17:59,119 --> 00:17:59,320 Speaker 3: Right? 370 00:17:59,359 --> 00:18:01,080 Speaker 5: And when he can create. 371 00:18:00,800 --> 00:18:04,440 Speaker 8: Those dialogues and the way that again makes the information 372 00:18:04,960 --> 00:18:08,680 Speaker 8: readily accessible, and then we're promoting those dialogues within the community, 373 00:18:09,000 --> 00:18:11,560 Speaker 8: like Steve Stout could put you on game and not 374 00:18:11,600 --> 00:18:15,679 Speaker 8: only about as an artist, but more broadly how he's navigated. 375 00:18:15,720 --> 00:18:17,920 Speaker 8: And so I think that's what's needed in this time 376 00:18:17,960 --> 00:18:21,360 Speaker 8: more than ever, that the information has to be shared right, 377 00:18:21,480 --> 00:18:25,000 Speaker 8: And so that's through advancing black pathways what we're trying 378 00:18:25,000 --> 00:18:26,560 Speaker 8: to do. Like I don't care if you bank with 379 00:18:26,720 --> 00:18:29,480 Speaker 8: JP Morgan Chase or not. You should know your credit score. 380 00:18:29,520 --> 00:18:31,479 Speaker 8: I'll tell you how to get it free. Credit Journey 381 00:18:31,720 --> 00:18:34,359 Speaker 8: had Chase is not about Chase. It's about the black 382 00:18:34,359 --> 00:18:38,560 Speaker 8: community and making sure we have these tools readily available 383 00:18:38,560 --> 00:18:40,240 Speaker 8: where people can access it and learn. 384 00:18:41,280 --> 00:18:41,480 Speaker 4: Yeah. 385 00:18:41,560 --> 00:18:44,480 Speaker 3: I think I was watching Drink Champs one day and 386 00:18:44,520 --> 00:18:48,280 Speaker 3: Noriega had actually said that rappers should have a union 387 00:18:48,680 --> 00:18:51,520 Speaker 3: even like actors have the SAG And it's like, you know, 388 00:18:51,720 --> 00:18:55,480 Speaker 3: even here because Beanie Sieguel is one of our favorite 389 00:18:55,520 --> 00:18:57,359 Speaker 3: artists and when he was like, I can't eat off 390 00:18:57,400 --> 00:19:00,000 Speaker 3: one hundred grand, no dental plan, you know, I sy, 391 00:19:00,160 --> 00:19:01,959 Speaker 3: It's like you don't even have benefits. As so it's 392 00:19:02,000 --> 00:19:06,160 Speaker 3: a lot of stuff that young aspiring artists don't fully understand, 393 00:19:06,400 --> 00:19:08,160 Speaker 3: but say, who have a question? And actually I would 394 00:19:08,160 --> 00:19:10,800 Speaker 3: love to get Toby's and put on it as well. 395 00:19:11,000 --> 00:19:15,119 Speaker 3: So I'm in the financial services industry and the disconnected 396 00:19:15,359 --> 00:19:18,040 Speaker 3: that I've seen, and I think one of the reasons 397 00:19:18,040 --> 00:19:20,040 Speaker 3: why Earn Your Leisure is so popular is that in 398 00:19:20,080 --> 00:19:23,080 Speaker 3: a black community, there's been a lot of initiatives, but 399 00:19:23,160 --> 00:19:26,160 Speaker 3: I think the messenger is extremely important, like who's relaying 400 00:19:26,200 --> 00:19:28,640 Speaker 3: the message right, because it's like a lot of times, 401 00:19:28,920 --> 00:19:32,040 Speaker 3: especially young people, but even older people, they feel disconnected, 402 00:19:32,359 --> 00:19:39,040 Speaker 3: disenfranchised with traditional institutions and people the delivery of certain people. 403 00:19:39,520 --> 00:19:42,639 Speaker 3: So even if it's good intentions, it's like if you 404 00:19:42,680 --> 00:19:47,760 Speaker 3: don't have a credible messenger or a relatable messenger, then 405 00:19:47,800 --> 00:19:50,919 Speaker 3: it kind of just goes over people's heads. And like 406 00:19:50,920 --> 00:19:52,359 Speaker 3: I said, I think that's one of the reasons that 407 00:19:52,400 --> 00:19:55,080 Speaker 3: people really like our podcast because they see us it's 408 00:19:55,080 --> 00:19:58,200 Speaker 3: just regular people, and we just dress like regular people. 409 00:19:58,240 --> 00:20:01,320 Speaker 3: We're not like if we don't have ask Scots, we're 410 00:20:01,359 --> 00:20:04,440 Speaker 3: not the most polished as far as our diction is concerned. 411 00:20:04,560 --> 00:20:09,880 Speaker 4: That was good. So how will you, guys, Chase, how 412 00:20:09,880 --> 00:20:12,880 Speaker 4: will you? Because I feel like, like Troy said, we 413 00:20:13,000 --> 00:20:13,760 Speaker 4: earners what's up. 414 00:20:13,840 --> 00:20:16,320 Speaker 2: You ever walk into a small business and everything just 415 00:20:16,440 --> 00:20:19,640 Speaker 2: works like the checkout is fast, the receipts are digital, 416 00:20:20,160 --> 00:20:23,120 Speaker 2: tipping is a breeze, and you're out the door before 417 00:20:23,160 --> 00:20:27,320 Speaker 2: the line even builds odds are they're using Square. We 418 00:20:27,480 --> 00:20:30,000 Speaker 2: love supporting businesses that run on Square because it just 419 00:20:30,040 --> 00:20:33,280 Speaker 2: feels seamless. 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We learned 463 00:23:08,480 --> 00:23:10,920 Speaker 3: more from Jay than we learned in high school. And 464 00:23:11,080 --> 00:23:13,120 Speaker 3: I even feel now like I feel like for Meek 465 00:23:13,200 --> 00:23:17,440 Speaker 3: Mill to make financial literacy cool, it's even more powerful 466 00:23:18,000 --> 00:23:22,400 Speaker 3: than you know, the Secretary of Treasury. Like nobody even knows. 467 00:23:22,800 --> 00:23:24,800 Speaker 2: They can't pronounce his name, they can't spell his name, 468 00:23:24,920 --> 00:23:25,400 Speaker 2: they don't know. 469 00:23:25,440 --> 00:23:27,520 Speaker 3: They're going to do a worse job butchering the name 470 00:23:27,560 --> 00:23:30,960 Speaker 3: that I did earlier. So who who? 471 00:23:31,119 --> 00:23:35,359 Speaker 4: Who? Does Chase have to relay this message? First? For you? 472 00:23:35,520 --> 00:23:38,200 Speaker 3: Say cool and Toby? For you, how important is hip 473 00:23:38,200 --> 00:23:42,840 Speaker 3: hop and being responsible? And because you guys have a 474 00:23:42,880 --> 00:23:46,159 Speaker 3: tremendous voice, like you put that Breonna Taylor video out and. 475 00:23:46,240 --> 00:23:47,720 Speaker 4: It gets millions of views. 476 00:23:47,320 --> 00:23:54,200 Speaker 3: A hip hop artists, I think have a tremendous voice responsibility, 477 00:23:54,200 --> 00:23:56,680 Speaker 3: but if they're not educated themselves, then they can't, So 478 00:23:56,760 --> 00:24:00,240 Speaker 3: say cool, who's the messengers that Chase is gonna was 479 00:24:00,280 --> 00:24:03,040 Speaker 3: to get this message of financial literacy out to the community. 480 00:24:05,119 --> 00:24:07,560 Speaker 8: He's really quickly because jay Z I agreed the story 481 00:24:07,600 --> 00:24:10,720 Speaker 8: of oj that lyric about Dumbo. I could have bothered 482 00:24:10,800 --> 00:24:13,399 Speaker 8: two million dollar building and that then so for twenty 483 00:24:13,440 --> 00:24:14,919 Speaker 8: five million, how do I feel, Dumbo? 484 00:24:15,040 --> 00:24:17,960 Speaker 5: I mean yes, like the if people have the. 485 00:24:17,960 --> 00:24:21,119 Speaker 8: Insights, they can absolutely incorporate it, you know, into the 486 00:24:21,200 --> 00:24:24,880 Speaker 8: music in terms of like the messenger that becomes critically important. 487 00:24:25,040 --> 00:24:28,239 Speaker 8: You know, Blacks for good reason don't trust a lot 488 00:24:28,280 --> 00:24:31,800 Speaker 8: of large institutions because our history in this country, some 489 00:24:31,880 --> 00:24:35,000 Speaker 8: of these institutions have not served us well quite frankly, 490 00:24:35,280 --> 00:24:37,600 Speaker 8: and so that's why we work with the Board of Advisors. 491 00:24:37,680 --> 00:24:40,400 Speaker 8: So I work really closely with Kevin Hart, for instance, 492 00:24:40,400 --> 00:24:43,000 Speaker 8: and one of the meetings, Kevin Hart was like that 493 00:24:43,040 --> 00:24:45,800 Speaker 8: what you just said is exactly what he said that 494 00:24:45,880 --> 00:24:49,520 Speaker 8: he wants to he's involved with advancing Black Pathways because 495 00:24:49,560 --> 00:24:52,679 Speaker 8: he wants to reach the community and have people here 496 00:24:53,000 --> 00:24:56,040 Speaker 8: from his mistakes. And I took him around a Harlem 497 00:24:56,080 --> 00:24:58,800 Speaker 8: children Zone and different schools in New York to talk 498 00:24:58,840 --> 00:25:01,119 Speaker 8: to these students about his money mistake. 499 00:25:01,200 --> 00:25:03,119 Speaker 5: So when you thought he was making money, he. 500 00:25:03,080 --> 00:25:05,960 Speaker 8: Would tell you I was dead broke, right and so, 501 00:25:06,119 --> 00:25:08,439 Speaker 8: and here's the mistakes I made along the way. And 502 00:25:08,480 --> 00:25:13,000 Speaker 8: so I think, unless you have credible messengers, right and well, 503 00:25:13,040 --> 00:25:15,240 Speaker 8: and I'll give you the best example of a credible messenger. 504 00:25:15,760 --> 00:25:19,359 Speaker 8: The CEO of Chase Bank is a black woman. To 505 00:25:19,440 --> 00:25:22,560 Speaker 8: shun the brown ducket, she runs the largest bank in 506 00:25:22,600 --> 00:25:26,040 Speaker 8: this country, the actual CEO of the banking side Chase. 507 00:25:26,800 --> 00:25:28,960 Speaker 8: The fact that we have a black woman running the 508 00:25:29,040 --> 00:25:32,040 Speaker 8: largest bank in this country, it is unheard of, right, 509 00:25:32,119 --> 00:25:33,720 Speaker 8: and so again you and. 510 00:25:33,800 --> 00:25:36,080 Speaker 5: She can leverage that same intentionality. 511 00:25:36,359 --> 00:25:38,960 Speaker 8: So as we've built all these new branches across the country, 512 00:25:39,240 --> 00:25:42,639 Speaker 8: we've built these branches, some of these branches in you know, 513 00:25:42,880 --> 00:25:45,119 Speaker 8: black and brown communities, right, and so we could be 514 00:25:45,200 --> 00:25:49,679 Speaker 8: intentional about how we reach, how we hire, who we hire, 515 00:25:50,000 --> 00:25:52,720 Speaker 8: because that's the way you could truly reach people in 516 00:25:52,760 --> 00:25:56,520 Speaker 8: the community. So, while not perfect by any means, but 517 00:25:56,640 --> 00:25:59,120 Speaker 8: that is at least a start where you to your point. 518 00:25:59,200 --> 00:26:01,520 Speaker 8: If you don't have the right messenger, like you're gonna 519 00:26:01,560 --> 00:26:04,600 Speaker 8: lose me at from the get go. So so that is, 520 00:26:04,920 --> 00:26:07,600 Speaker 8: you know, a very critical point, and we're very mindful 521 00:26:07,600 --> 00:26:09,960 Speaker 8: of it, and that's why we want to hire, right, 522 00:26:10,040 --> 00:26:10,680 Speaker 8: That's why. 523 00:26:10,480 --> 00:26:13,119 Speaker 5: We're hiring people across the bank. That's why we're hiring 524 00:26:13,119 --> 00:26:15,240 Speaker 5: black financial advisors. 525 00:26:14,840 --> 00:26:18,560 Speaker 8: That that understand us, that can give us messaging that 526 00:26:18,680 --> 00:26:21,879 Speaker 8: really is appropriate as well. So so it's a great question, 527 00:26:22,000 --> 00:26:24,920 Speaker 8: and that's the intentionality we have with Advancing Black. 528 00:26:24,760 --> 00:26:28,359 Speaker 4: Path Toby, how do you feel about hip hop's role? 529 00:26:28,480 --> 00:26:30,840 Speaker 3: And because we see hip hop taking a stance on 530 00:26:30,840 --> 00:26:33,480 Speaker 3: police brutality and a lot of stuff, but financial literacy, 531 00:26:33,520 --> 00:26:35,440 Speaker 3: I feel like it's I feel like the reason why 532 00:26:35,440 --> 00:26:38,919 Speaker 3: our podcast is successful is because a lot of artists 533 00:26:39,000 --> 00:26:44,920 Speaker 3: Rick Ross, jay Z, Nipsey, Hustle Yes have have taken 534 00:26:44,920 --> 00:26:47,119 Speaker 3: a stance on financial literacy. So what is hip hop's 535 00:26:47,200 --> 00:26:49,640 Speaker 3: role in relaying this message? 536 00:26:49,680 --> 00:26:51,679 Speaker 7: I really, I really think home on real quick, my 537 00:26:51,720 --> 00:26:52,960 Speaker 7: best be going out of our mind. 538 00:26:53,440 --> 00:26:59,360 Speaker 5: Her I'm doing the conference, that's us. 539 00:27:00,200 --> 00:27:07,000 Speaker 6: I got too underwe Wow, I got what I'm saying. Yeah, 540 00:27:07,080 --> 00:27:08,640 Speaker 6: my back to back game is stronger than Drake. 541 00:27:08,680 --> 00:27:09,520 Speaker 7: Ain't gonna tell. 542 00:27:09,440 --> 00:27:13,200 Speaker 6: You all right, So but this this is what I 543 00:27:13,200 --> 00:27:13,600 Speaker 6: would say. 544 00:27:13,720 --> 00:27:15,520 Speaker 7: I think it really depends on the artist. 545 00:27:15,720 --> 00:27:18,120 Speaker 6: And I had to learn this myself because I am 546 00:27:19,480 --> 00:27:21,440 Speaker 6: very conscious of every single thing that I put out, 547 00:27:21,480 --> 00:27:24,479 Speaker 6: and I want my stuff to my stuff as far 548 00:27:24,480 --> 00:27:26,520 Speaker 6: a specific group of people who come from where I 549 00:27:26,640 --> 00:27:29,040 Speaker 6: come from, who didn't have anybody to give them game, 550 00:27:29,520 --> 00:27:31,680 Speaker 6: similar to what y'all do at earn your leasure. You're 551 00:27:31,720 --> 00:27:34,439 Speaker 6: literally trying to give game to the people who who 552 00:27:34,520 --> 00:27:37,520 Speaker 6: you know, ain't gonna get this information too many other places. 553 00:27:38,040 --> 00:27:41,240 Speaker 6: So that that's me specifically, But everybody ain't get involved in. 554 00:27:41,320 --> 00:27:43,560 Speaker 7: Music to do that. Some people just got music to 555 00:27:43,560 --> 00:27:44,080 Speaker 7: get money. 556 00:27:44,200 --> 00:27:49,080 Speaker 6: Some people just got the music to uh for whatever reason. 557 00:27:49,160 --> 00:27:54,160 Speaker 6: But it ain't to literally empower your people. You understand 558 00:27:54,160 --> 00:27:58,199 Speaker 6: what I'm saying. Some people got into to flash to 559 00:27:58,200 --> 00:28:01,800 Speaker 6: to some people would very lane growing up and they 560 00:28:01,800 --> 00:28:04,719 Speaker 6: won't get chicks now and like and that's what this 561 00:28:04,800 --> 00:28:06,680 Speaker 6: is their means to, you know what I'm. 562 00:28:06,600 --> 00:28:08,560 Speaker 7: Saying, feel that void that they got in their life. 563 00:28:08,600 --> 00:28:11,919 Speaker 6: So I I hold artists to a completely different standard, 564 00:28:11,960 --> 00:28:12,800 Speaker 6: and it. 565 00:28:14,280 --> 00:28:16,080 Speaker 7: I I I. 566 00:28:16,080 --> 00:28:20,040 Speaker 6: Would hold them accountable to whatever it is to the financial, 567 00:28:20,040 --> 00:28:24,840 Speaker 6: literary literacy stuff, if that was UH somewhere embedded in 568 00:28:25,000 --> 00:28:27,760 Speaker 6: their goal for when they were in their why or 569 00:28:27,800 --> 00:28:30,119 Speaker 6: their reason, but was starting to do music. If that 570 00:28:30,160 --> 00:28:32,080 Speaker 6: ain't really what you got into it for, I can't 571 00:28:32,080 --> 00:28:33,720 Speaker 6: really hold you accountable that I could do, you know 572 00:28:33,720 --> 00:28:35,360 Speaker 6: what I'm saying. I could just be like, well, you're 573 00:28:35,359 --> 00:28:37,320 Speaker 6: really kind of working against the grain and it really 574 00:28:37,320 --> 00:28:38,360 Speaker 6: working against my message. 575 00:28:38,360 --> 00:28:40,680 Speaker 7: But why I got in ain't why you got in? 576 00:28:42,360 --> 00:28:44,200 Speaker 6: So so it j I. I think it really just 577 00:28:44,240 --> 00:28:46,640 Speaker 6: depends on the artist. I think it was. I think 578 00:28:46,640 --> 00:28:49,480 Speaker 6: they should pall us. It's something like uh uh in 579 00:28:49,560 --> 00:28:51,600 Speaker 6: times of crisis or in one of his stand ups or. 580 00:28:51,560 --> 00:28:52,120 Speaker 4: Something like that. 581 00:28:52,440 --> 00:28:53,800 Speaker 7: It was like, the last thing you want to hear 582 00:28:54,000 --> 00:28:55,960 Speaker 7: is uh, what does joll Ruth think on? 583 00:28:56,080 --> 00:28:56,640 Speaker 5: You know what I'm saying? 584 00:28:57,520 --> 00:29:00,520 Speaker 4: Why why y'all rule? That's like the fifth time he 585 00:29:00,600 --> 00:29:01,320 Speaker 4: says something about you. 586 00:29:04,920 --> 00:29:08,480 Speaker 5: But I understand what the joke was. 587 00:29:08,600 --> 00:29:10,239 Speaker 6: Like, It's a lot of stuff going on right now, 588 00:29:10,400 --> 00:29:12,200 Speaker 6: and John I ain't never put yourself out there and 589 00:29:12,400 --> 00:29:15,160 Speaker 6: the person is going to be the go to person 590 00:29:15,240 --> 00:29:17,880 Speaker 6: for black Trump he's on sportsperson. 591 00:29:19,000 --> 00:29:22,440 Speaker 8: Sorry, another point on that, And I was listening to 592 00:29:22,520 --> 00:29:25,360 Speaker 8: Yo Got as a song out Recession Proof, which which 593 00:29:25,560 --> 00:29:30,000 Speaker 8: again captures basically the cycles we've seen that whether it 594 00:29:30,120 --> 00:29:32,600 Speaker 8: was the NBA lockout in ninety nine where you had 595 00:29:32,960 --> 00:29:35,800 Speaker 8: cats selling their watches. What he talks about in this lyric, 596 00:29:35,960 --> 00:29:40,720 Speaker 8: like if we don't incorporate this financial literacy early on, 597 00:29:41,480 --> 00:29:42,640 Speaker 8: people don't realize. 598 00:29:42,360 --> 00:29:45,600 Speaker 5: As you begin to make money, like you can hit recessions. 599 00:29:45,640 --> 00:29:47,040 Speaker 5: It could be COVID nineteen. 600 00:29:47,520 --> 00:29:51,240 Speaker 8: And so that's why, like if you're learning these concepts early, 601 00:29:51,280 --> 00:29:54,000 Speaker 8: and you're saving, and you have a liquidity or rating 602 00:29:54,120 --> 00:29:56,600 Speaker 8: day fund, then you can navigate the storm. 603 00:29:56,640 --> 00:29:59,400 Speaker 5: Because then what happens is like you know, you we 604 00:29:59,760 --> 00:30:00,640 Speaker 5: get can't one. 605 00:30:00,720 --> 00:30:04,680 Speaker 8: We're starting with less, you know, given structural inequities in 606 00:30:04,760 --> 00:30:05,240 Speaker 8: this country. 607 00:30:05,640 --> 00:30:08,560 Speaker 5: You know too, even the businesses or the artists. 608 00:30:08,680 --> 00:30:10,960 Speaker 8: You know, you may have less cash on hand. And 609 00:30:11,080 --> 00:30:13,440 Speaker 8: so if you're not managing that, like you could be 610 00:30:13,600 --> 00:30:17,040 Speaker 8: right at your breakthrough. Uh, but because you haven't been 611 00:30:17,080 --> 00:30:19,320 Speaker 8: able to navigate the storm, you have to make decisions 612 00:30:19,600 --> 00:30:22,800 Speaker 8: that don't ultimately you know, prepare you to continue to 613 00:30:22,920 --> 00:30:25,960 Speaker 8: capitalize on your talent. And so again I think the 614 00:30:26,120 --> 00:30:29,520 Speaker 8: creative mindset, like you're an artist because you're great, right, 615 00:30:29,640 --> 00:30:32,480 Speaker 8: and so we still have to marry in that that 616 00:30:32,600 --> 00:30:34,640 Speaker 8: financial health. It doesn't have to be your main thing. 617 00:30:35,000 --> 00:30:36,480 Speaker 8: It just needs to be a part of how you 618 00:30:36,600 --> 00:30:39,920 Speaker 8: navigate your personal life. That's not about your artistry as 619 00:30:40,000 --> 00:30:43,320 Speaker 8: much as it is about maximizing what is done from 620 00:30:43,360 --> 00:30:43,960 Speaker 8: your artistry. 621 00:30:44,800 --> 00:30:47,240 Speaker 2: Yeah, Tek really quickly, and I'm happy you said that 622 00:30:47,400 --> 00:30:50,760 Speaker 2: we have to start early. I was wondering, a BP, 623 00:30:51,240 --> 00:30:54,520 Speaker 2: are we going into schools? Are there educational programs, mentornships, 624 00:30:54,600 --> 00:30:58,200 Speaker 2: internships because that was something that our podcast was founded on. 625 00:30:58,440 --> 00:31:00,959 Speaker 2: Was like we were dealing with team kids who had 626 00:31:01,040 --> 00:31:02,480 Speaker 2: nothing to do over the summer, and we were giving 627 00:31:02,480 --> 00:31:06,080 Speaker 2: them internships and paying them. I'm wondering if Chase is 628 00:31:06,160 --> 00:31:08,440 Speaker 2: doing that. Is that part of the initiatives as well? 629 00:31:08,960 --> 00:31:09,840 Speaker 5: Yeah? Absolutely. 630 00:31:10,120 --> 00:31:13,920 Speaker 8: And we launched the ABP Apprentice program to reach college 631 00:31:13,960 --> 00:31:17,600 Speaker 8: students earlier, so freshmen and sophomore so it doesn't matter 632 00:31:17,640 --> 00:31:19,520 Speaker 8: if you didn't come from a corporate background. We want 633 00:31:19,560 --> 00:31:21,800 Speaker 8: to get you earlier so that you can navigate and 634 00:31:21,840 --> 00:31:23,560 Speaker 8: see you could be successful. And one of the things 635 00:31:23,600 --> 00:31:26,240 Speaker 8: we did that I was proud of this summer is 636 00:31:26,320 --> 00:31:28,960 Speaker 8: that even though we had to do this internship virtually 637 00:31:29,320 --> 00:31:32,440 Speaker 8: and shortened it, I'm paying these students for the entire 638 00:31:32,560 --> 00:31:36,200 Speaker 8: summer right because I don't want them short change because 639 00:31:36,280 --> 00:31:38,880 Speaker 8: of COVID nineteen and we're still going to make sure 640 00:31:38,920 --> 00:31:42,400 Speaker 8: they have access to again the content, the tools they 641 00:31:42,480 --> 00:31:45,160 Speaker 8: grow their careers and are able to still perform well. 642 00:31:45,320 --> 00:31:49,400 Speaker 8: So yes, we have to create these opportunities, these internships. 643 00:31:49,600 --> 00:31:51,600 Speaker 8: Another one of the things we did this year that 644 00:31:51,720 --> 00:31:53,960 Speaker 8: was proud of it is we launched a hardship fund 645 00:31:54,400 --> 00:31:57,120 Speaker 8: because forty five percent of black students come for poverty 646 00:31:57,240 --> 00:32:00,400 Speaker 8: zip codes, so we launched the AVP Hardship Fund to 647 00:32:00,720 --> 00:32:03,480 Speaker 8: ensure that students don't have to drop out because they 648 00:32:03,520 --> 00:32:06,800 Speaker 8: have a financial hardship. I remember cats that like you know, oh, 649 00:32:06,880 --> 00:32:09,960 Speaker 8: the Burscher's office five hundred dollars, so they couldn't like 650 00:32:10,080 --> 00:32:13,040 Speaker 8: graduate or couldn't register for class, right, and so then 651 00:32:13,240 --> 00:32:15,080 Speaker 8: that's the worst of all worlds because you end up 652 00:32:15,360 --> 00:32:17,040 Speaker 8: dropping out, you have the student. 653 00:32:16,760 --> 00:32:18,080 Speaker 5: Loan debt and no degree. 654 00:32:18,440 --> 00:32:21,960 Speaker 8: So we're using that hardship fund to help these students 655 00:32:21,960 --> 00:32:24,680 Speaker 8: stay in but also look to then hire them and 656 00:32:24,760 --> 00:32:28,360 Speaker 8: provide financial health. So yes, we're starting with students and 657 00:32:28,520 --> 00:32:31,600 Speaker 8: try to incorporate it and make it part of freshman 658 00:32:31,640 --> 00:32:34,239 Speaker 8: orientation for as many schools as we can. 659 00:32:36,440 --> 00:32:37,480 Speaker 4: Toby, I have a question. 660 00:32:37,680 --> 00:32:42,120 Speaker 3: You are Nigerian, but you grew up in the Swat, 661 00:32:42,200 --> 00:32:46,360 Speaker 3: which I'm assuming is a predominantly African American neighborhood. So 662 00:32:46,480 --> 00:32:48,160 Speaker 3: I did some research and you said you got the both. 663 00:32:48,360 --> 00:32:50,720 Speaker 3: You got experiences from both sides of the coin, from 664 00:32:51,000 --> 00:32:56,120 Speaker 3: the Black American experience in the African experience. So my 665 00:32:56,320 --> 00:32:58,760 Speaker 3: question is, like we're in the day and age with afrobeats, 666 00:32:58,840 --> 00:33:01,760 Speaker 3: is really you know the vibe right now? And even 667 00:33:01,840 --> 00:33:03,840 Speaker 3: like you know, going back to Ghana was a big 668 00:33:03,920 --> 00:33:07,480 Speaker 3: thing last year, how can we how can we bridge 669 00:33:07,560 --> 00:33:11,000 Speaker 3: the gap between the different cultures between African Americans and 670 00:33:11,720 --> 00:33:15,800 Speaker 3: people on the continent in Africa for not just economic development, 671 00:33:15,800 --> 00:33:18,240 Speaker 3: although that is important, but just culturally and just different 672 00:33:18,280 --> 00:33:19,920 Speaker 3: things in that nature that you you have a unique 673 00:33:19,920 --> 00:33:22,080 Speaker 3: perspective on that. So I think that that's one of 674 00:33:22,160 --> 00:33:24,240 Speaker 3: the things that can actually drive the needle as well 675 00:33:24,360 --> 00:33:27,240 Speaker 3: if we do more collaboration across continent. 676 00:33:27,400 --> 00:33:29,280 Speaker 4: So have you thought about that? 677 00:33:29,720 --> 00:33:32,560 Speaker 7: Yeah, one hundred percent. And I feel like I lowkey 678 00:33:32,800 --> 00:33:37,600 Speaker 7: am designed to like be a portion of the bridge. 679 00:33:38,120 --> 00:33:45,720 Speaker 6: I feel like every firstborn generation uh Nigerian, Ghanean Kenyan whoever, 680 00:33:46,400 --> 00:33:49,480 Speaker 6: like the first generation born here who went to school 681 00:33:49,800 --> 00:33:53,280 Speaker 6: and had a full like black American experience and it 682 00:33:53,400 --> 00:33:55,280 Speaker 6: came to the crib and it was like he was 683 00:33:55,360 --> 00:33:57,200 Speaker 6: in the village like you like you. 684 00:33:57,400 --> 00:34:00,520 Speaker 7: Are white, I'm being sited like you wire different. 685 00:34:00,880 --> 00:34:05,120 Speaker 5: So like I like, I literally so this this all right? 686 00:34:05,200 --> 00:34:07,040 Speaker 7: So and I said this one time when I did 687 00:34:07,080 --> 00:34:07,560 Speaker 7: a little. 688 00:34:07,400 --> 00:34:10,839 Speaker 6: Interview at Harvard and uh some of my uh uh 689 00:34:11,320 --> 00:34:14,440 Speaker 6: uh Nigerians who's still in Nigeria, they got a little offended. 690 00:34:14,520 --> 00:34:17,680 Speaker 7: But I'm telling you, like, we got a real like 691 00:34:18,040 --> 00:34:19,359 Speaker 7: unique perspective. 692 00:34:19,440 --> 00:34:22,560 Speaker 6: So when you hear somebody in Nigeria trying to rap 693 00:34:22,719 --> 00:34:27,399 Speaker 6: like do like pure hip hop, like you can tell 694 00:34:27,560 --> 00:34:31,080 Speaker 6: in somebody from Nigeria trying to do hip hop, You're like, bro, 695 00:34:31,239 --> 00:34:32,799 Speaker 6: I promise you, I see what you're trying to. 696 00:34:32,800 --> 00:34:34,759 Speaker 7: Do, but it really don't boom like you know what 697 00:34:34,800 --> 00:34:35,160 Speaker 7: I'm saying. 698 00:34:35,800 --> 00:34:35,960 Speaker 8: You know. 699 00:34:36,120 --> 00:34:38,319 Speaker 7: But but if you heard them doing like what. 700 00:34:40,400 --> 00:34:42,920 Speaker 6: Uh with wiz kidding and like when you hear them 701 00:34:42,960 --> 00:34:44,960 Speaker 6: on some approbat stuff, you're like, oh, okay, yeah, that's 702 00:34:45,000 --> 00:34:47,319 Speaker 6: the vib and then like black Americans hear. 703 00:34:47,239 --> 00:34:48,879 Speaker 7: That like oh I'm trying to you know what I'm saying, 704 00:34:49,160 --> 00:34:51,680 Speaker 7: like and they and they want that piece. 705 00:34:52,080 --> 00:34:54,719 Speaker 6: But it's like so so when I when I when 706 00:34:54,760 --> 00:34:58,160 Speaker 6: I do hip hop, it's like I don't sound like 707 00:34:58,200 --> 00:35:01,839 Speaker 6: a Nigerian trying to sound black. I'm a Nigerian who 708 00:35:01,880 --> 00:35:04,560 Speaker 6: had a who had a pure black experience and had 709 00:35:04,600 --> 00:35:07,560 Speaker 6: a pure Nigerian experience. So when I when it comes off, 710 00:35:07,640 --> 00:35:11,360 Speaker 6: it comes off as authentic and like unique in itself 711 00:35:11,440 --> 00:35:13,160 Speaker 6: to where like somebody like while they can do the 712 00:35:13,200 --> 00:35:16,920 Speaker 6: same thing, to where he could play like simple uh 713 00:35:17,080 --> 00:35:18,480 Speaker 6: oh man. I don't even know if y'all know the 714 00:35:18,520 --> 00:35:20,880 Speaker 6: song like that sweet Mother sweep ma. 715 00:35:21,840 --> 00:35:22,880 Speaker 7: I ain't really Nigerian like that. 716 00:35:22,920 --> 00:35:25,839 Speaker 4: But say yeah, yeah, that's all. 717 00:35:27,280 --> 00:35:27,719 Speaker 5: I'm saying. 718 00:35:27,800 --> 00:35:30,920 Speaker 6: But like we are, I think like it's people all 719 00:35:30,960 --> 00:35:34,680 Speaker 6: the first generation boring people in the in the US 720 00:35:35,080 --> 00:35:37,720 Speaker 6: and abroad or whatever, whether you're in the UK or whatever. 721 00:35:38,160 --> 00:35:41,360 Speaker 6: Like I feel like we are perspective is specifically designed 722 00:35:41,400 --> 00:35:43,440 Speaker 6: to be a bridge for everybody to go back and 723 00:35:43,560 --> 00:35:46,880 Speaker 6: do what we're doing here there. But it just it 724 00:35:47,000 --> 00:35:50,200 Speaker 6: comes with, you know what I'm saying, nations doing like 725 00:35:50,280 --> 00:35:52,400 Speaker 6: what Ghana is doing, Like Ghana is making it so 726 00:35:52,640 --> 00:35:55,960 Speaker 6: live to just want to go back. Ghana make it 727 00:35:56,000 --> 00:35:57,160 Speaker 6: feel like you going to Wakanda. 728 00:35:58,200 --> 00:35:58,759 Speaker 5: You know what I'm saying. 729 00:35:59,280 --> 00:36:00,360 Speaker 7: They had when I. 730 00:36:00,360 --> 00:36:02,359 Speaker 6: Saw all the videos and stuff and everybody being there. 731 00:36:02,400 --> 00:36:06,560 Speaker 6: I'm like, Yo, that's really what I wish everybody was on. 732 00:36:06,760 --> 00:36:09,399 Speaker 6: Let's take what we're doing here, go set up shop 733 00:36:09,520 --> 00:36:12,520 Speaker 6: over there and like really flourish, Like that's really the dream. 734 00:36:12,560 --> 00:36:14,399 Speaker 7: And I feel like eventually that's what it's going. 735 00:36:14,400 --> 00:36:15,160 Speaker 5: To get you on the law. 736 00:36:16,960 --> 00:36:18,719 Speaker 3: That's a fact. So they just let us know. We 737 00:36:18,800 --> 00:36:23,360 Speaker 3: got one more question, So stay cool. Chase to change 738 00:36:24,120 --> 00:36:27,040 Speaker 3: is the slogan I believe that you guys are going with. So, yeah, 739 00:36:27,080 --> 00:36:28,680 Speaker 3: you know, we in the time right now where a 740 00:36:28,719 --> 00:36:31,600 Speaker 3: lot of companies have different initiatives and solute everybody that's making, 741 00:36:31,840 --> 00:36:36,120 Speaker 3: you know, a point. But what is the last thing 742 00:36:36,200 --> 00:36:38,360 Speaker 3: that you want to leave the people with that that 743 00:36:38,600 --> 00:36:43,880 Speaker 3: will you know, solidify Chase's commitment to the black community 744 00:36:45,040 --> 00:36:47,200 Speaker 3: moving forward, not just you know, this year, but in 745 00:36:47,280 --> 00:36:48,520 Speaker 3: the next decades to come. 746 00:36:48,800 --> 00:36:51,560 Speaker 8: Yeah. No, definitely, we all are out here chasing the change, 747 00:36:51,800 --> 00:36:53,759 Speaker 8: and in addition to chasing that, you want to make 748 00:36:53,800 --> 00:36:56,600 Speaker 8: it grow. And so we're The message I would leave 749 00:36:56,920 --> 00:37:00,960 Speaker 8: is that this is despite everything going on, we're at 750 00:37:01,000 --> 00:37:05,760 Speaker 8: a point in history where we are going to overcome 751 00:37:05,840 --> 00:37:09,520 Speaker 8: this and have access, in my view, to greater opportunities, 752 00:37:09,600 --> 00:37:11,640 Speaker 8: but we have to force that to happen. 753 00:37:11,680 --> 00:37:13,720 Speaker 5: It's not going to just happen just because. 754 00:37:13,760 --> 00:37:15,759 Speaker 8: And so I think what we're going to do from 755 00:37:15,760 --> 00:37:18,680 Speaker 8: advancing Black Pathways is just to double down on our 756 00:37:18,719 --> 00:37:21,479 Speaker 8: investment in the black community across all. 757 00:37:21,440 --> 00:37:22,200 Speaker 5: Of these areas. 758 00:37:22,280 --> 00:37:27,200 Speaker 8: And so financial health will remain critically important entrepreneurship. Whether 759 00:37:27,239 --> 00:37:30,839 Speaker 8: you're an artist, you're artist and entrepreneur, right, So making 760 00:37:30,880 --> 00:37:32,640 Speaker 8: sure we are providing access. 761 00:37:32,480 --> 00:37:35,480 Speaker 5: To the tools that they that they need so they 762 00:37:35,520 --> 00:37:36,440 Speaker 5: can be successful. 763 00:37:36,719 --> 00:37:38,279 Speaker 8: And then we're also if you want to take a 764 00:37:38,360 --> 00:37:40,840 Speaker 8: different route and go corporate, we really don't care what 765 00:37:41,000 --> 00:37:41,640 Speaker 8: route you want to go. 766 00:37:41,800 --> 00:37:44,760 Speaker 5: We want to definitely be helping and assisting. 767 00:37:44,440 --> 00:37:45,080 Speaker 7: On that journey. 768 00:37:45,840 --> 00:37:47,480 Speaker 4: So we're going to end with this, man. 769 00:37:47,520 --> 00:37:51,480 Speaker 2: Our slogan is assets over liabilities, right And as an artist, man, 770 00:37:51,520 --> 00:37:54,080 Speaker 2: I want you to think about this your best financial 771 00:37:54,160 --> 00:37:56,320 Speaker 2: decision and your worst financial decision. 772 00:37:57,480 --> 00:38:01,279 Speaker 6: My best financial decision is once I pay off fast 773 00:38:01,560 --> 00:38:05,800 Speaker 6: behind that accent driving it still to this to this dyke, 774 00:38:06,560 --> 00:38:07,960 Speaker 6: you know what I'm saying, because I don't. 775 00:38:09,880 --> 00:38:11,320 Speaker 7: You know what I'm saying. I don't care about what 776 00:38:11,560 --> 00:38:14,360 Speaker 7: nobody think. That can't get me the anger be and I'm. 777 00:38:14,239 --> 00:38:17,640 Speaker 6: Not trying to impress no, no, none of y'all. But 778 00:38:17,800 --> 00:38:20,480 Speaker 6: I got me a wife, I got kids, we Gucci. 779 00:38:20,600 --> 00:38:23,799 Speaker 6: Worst financial decision, I'll be honest with you. I don't 780 00:38:23,800 --> 00:38:26,920 Speaker 6: really got nothing. I'm cheap and I and I still 781 00:38:27,040 --> 00:38:29,160 Speaker 6: you know what I'm saying, I still maneuver like I 782 00:38:29,480 --> 00:38:30,279 Speaker 6: don't need much. 783 00:38:31,000 --> 00:38:33,279 Speaker 4: So I think, hold on, let me. 784 00:38:33,280 --> 00:38:35,279 Speaker 7: Give you one just so let me force me real quick. 785 00:38:35,360 --> 00:38:41,160 Speaker 7: What's a bad financial decision? Uh, this whole little towel 786 00:38:41,239 --> 00:38:43,439 Speaker 7: set that I that that fact just made me buy. 787 00:38:43,800 --> 00:38:46,360 Speaker 6: And all the towels that she bought, they all like 788 00:38:47,200 --> 00:38:50,200 Speaker 6: just be lined up and they just shed every single 789 00:38:50,280 --> 00:38:52,080 Speaker 6: time you watch them, and they're useless. 790 00:38:52,719 --> 00:38:52,960 Speaker 4: That's what. 791 00:38:53,160 --> 00:38:57,399 Speaker 7: That's what, That's what My worst financial decision is. Put 792 00:38:57,440 --> 00:38:59,239 Speaker 7: that make sure this go live. So people are so 793 00:38:59,360 --> 00:38:59,919 Speaker 7: facking running. 794 00:39:04,760 --> 00:39:07,040 Speaker 8: But I like your mindset though, and he said that 795 00:39:07,200 --> 00:39:11,440 Speaker 8: earlier that again he operated, you know, even without the budget, 796 00:39:11,480 --> 00:39:13,760 Speaker 8: and that point you talk about the budget for you know, promotion, 797 00:39:13,880 --> 00:39:16,920 Speaker 8: et cetera. And I think that if you keep that mindset, 798 00:39:17,200 --> 00:39:19,600 Speaker 8: the more successful you become. Like at the end of 799 00:39:19,600 --> 00:39:21,600 Speaker 8: the day, I don't I didn't grow up like I live. 800 00:39:21,640 --> 00:39:23,799 Speaker 5: I'm to be quite real on that right, I had 801 00:39:23,840 --> 00:39:25,880 Speaker 5: a pail grant like you know, pree and. 802 00:39:25,880 --> 00:39:28,719 Speaker 8: Reduced lunch the whole nine. But because I kept the 803 00:39:28,800 --> 00:39:31,480 Speaker 8: mentality that I wasn't going to just be a spender 804 00:39:31,880 --> 00:39:34,640 Speaker 8: and have to prove to people that I'm doing well. 805 00:39:34,760 --> 00:39:36,759 Speaker 5: And that's the mistake we make. We're too busy trying 806 00:39:36,800 --> 00:39:38,840 Speaker 5: to prove. Whereas you know, brother here is. 807 00:39:38,880 --> 00:39:41,480 Speaker 8: Like, no, no, I'm good because what I'm if you're 808 00:39:41,520 --> 00:39:45,160 Speaker 8: not on my journey, Like why am I impressing you? Right? 809 00:39:45,320 --> 00:39:47,920 Speaker 8: Like my music, my craft speaks for me and and 810 00:39:48,160 --> 00:39:50,279 Speaker 8: that's how you're able to build wealth. 811 00:39:50,320 --> 00:39:53,360 Speaker 5: And I have begain three kids, he has two, Like 812 00:39:53,600 --> 00:39:55,400 Speaker 5: you have a mindset shift. 813 00:39:55,440 --> 00:39:58,279 Speaker 8: When you talk about building that generational wealth for them. 814 00:39:58,600 --> 00:40:01,040 Speaker 8: So the things that may have mattered, you know as 815 00:40:01,080 --> 00:40:04,000 Speaker 8: a single guy, like it doesn't really matter as you're 816 00:40:04,000 --> 00:40:06,160 Speaker 8: a father and you're thinking about generational wealth and what 817 00:40:06,280 --> 00:40:08,720 Speaker 8: you're gonna leave for them and for their children. 818 00:40:09,400 --> 00:40:14,239 Speaker 3: Yep, gentlemen, it's been a pleasure, Toby. Keep up the 819 00:40:14,280 --> 00:40:17,640 Speaker 3: great work. We we are fans and we are watching 820 00:40:18,560 --> 00:40:20,799 Speaker 3: when we come to Houston after this COVID nineteen thing 821 00:40:20,880 --> 00:40:21,960 Speaker 3: is over, Hopefully we can get it. 822 00:40:22,120 --> 00:40:23,440 Speaker 4: We got a lot of love in Houston. Shot the 823 00:40:23,520 --> 00:40:32,439 Speaker 4: don key you know little Key, Yeah, Yeah, that's our god. 824 00:40:32,520 --> 00:40:34,600 Speaker 4: That's our god, y'all. 825 00:40:35,400 --> 00:40:37,200 Speaker 7: Key Key is like legendary. 826 00:40:39,719 --> 00:40:40,520 Speaker 4: Yeah, that's our god. 827 00:40:41,239 --> 00:40:44,920 Speaker 7: Maybe maybe they't know another Kekey, No, just one. 828 00:40:45,160 --> 00:40:47,799 Speaker 3: He came to our event in Houston. We read him 829 00:40:47,800 --> 00:40:49,719 Speaker 3: and we flew back to New York with him and 830 00:40:50,280 --> 00:40:52,040 Speaker 3: Paul Wall shot out to Houston. We got a lot 831 00:40:52,040 --> 00:40:56,200 Speaker 3: of love in Houston. We have a j Prince story too. 832 00:40:57,320 --> 00:40:59,400 Speaker 5: To act like it was somebody and see what happened. 833 00:40:59,400 --> 00:40:59,919 Speaker 5: But just joke. 834 00:41:02,520 --> 00:41:04,719 Speaker 3: Yeah now, but Toby Man, when we come to Houston, we. 835 00:41:08,520 --> 00:41:09,160 Speaker 4: June fuck. 836 00:41:11,200 --> 00:41:13,440 Speaker 3: We definitely got it. We definitely got to connect Man. 837 00:41:13,520 --> 00:41:16,640 Speaker 3: But once again, we definitely are fans of your music 838 00:41:16,719 --> 00:41:18,520 Speaker 3: and just the whole vibe that you got. I really, 839 00:41:18,600 --> 00:41:20,600 Speaker 3: I really think that it's dope. So keep up the 840 00:41:20,680 --> 00:41:24,200 Speaker 3: great work and stay cool. It was a pleasure being 841 00:41:24,239 --> 00:41:27,359 Speaker 3: introduced to you, and hopefully we can, you know, stay 842 00:41:27,360 --> 00:41:29,960 Speaker 3: in touch and keep up the great work that you're doing. 843 00:41:30,040 --> 00:41:32,080 Speaker 3: I think that's it's great that we actually because you 844 00:41:32,160 --> 00:41:35,600 Speaker 3: guys are in different spaces, but we got a highlight 845 00:41:35,719 --> 00:41:38,320 Speaker 3: of a variety of different people in the black experience 846 00:41:38,360 --> 00:41:40,920 Speaker 3: because everybody has a part to play, and everybody is 847 00:41:41,000 --> 00:41:42,680 Speaker 3: doing it on a different path, whether it's in the 848 00:41:42,719 --> 00:41:45,919 Speaker 3: corporate world, whether it's through music, whether it's through entrepreneurship, 849 00:41:45,960 --> 00:41:48,120 Speaker 3: whether it's through fashion, whether it's through spoken word, whether 850 00:41:48,160 --> 00:41:52,240 Speaker 3: it's through activism. And we can never downplay another person's position. 851 00:41:52,800 --> 00:41:54,960 Speaker 3: It's like, you know, a basketball team. Everybody's got their 852 00:41:55,000 --> 00:41:57,759 Speaker 3: own roles to play it and no one person is 853 00:41:58,000 --> 00:41:59,960 Speaker 3: more important than a team. And we're all a team 854 00:42:00,080 --> 00:42:01,680 Speaker 3: at the end of the day. So thank you to 855 00:42:01,760 --> 00:42:04,279 Speaker 3: both of you, gentlemen. Thank you to United Masters, the 856 00:42:04,360 --> 00:42:05,279 Speaker 3: good folks. 857 00:42:05,080 --> 00:42:06,560 Speaker 4: Of the Yeah, that's what I said. 858 00:42:06,840 --> 00:42:08,960 Speaker 2: And we always stress equality and equity is important, but 859 00:42:09,040 --> 00:42:11,560 Speaker 2: economic empowers the other that we have to stress and 860 00:42:11,680 --> 00:42:13,200 Speaker 2: everybody here is part of that. 861 00:42:13,360 --> 00:42:14,520 Speaker 4: So I appreciate y'all brothers. 862 00:42:15,120 --> 00:42:18,719 Speaker 9: An illegal alien from Guatemala charged with raping a child 863 00:42:18,800 --> 00:42:22,600 Speaker 9: in Massachusetts. An MS thirteen gang member from Al Salvador 864 00:42:22,840 --> 00:42:26,960 Speaker 9: accused of murdering a Texas man of Venezuelan charged with 865 00:42:27,080 --> 00:42:30,920 Speaker 9: filming and selling child pornography in Michigan. These are just 866 00:42:31,040 --> 00:42:34,800 Speaker 9: some of the heinous migrant criminals caught because of President 867 00:42:34,840 --> 00:42:38,359 Speaker 9: Donald J. Trump's leadership. I'm Christy nom the United States 868 00:42:38,440 --> 00:42:43,200 Speaker 9: Secretary of Homeland Security. Under President Trump, attempted illegal border 869 00:42:43,280 --> 00:42:46,799 Speaker 9: crossings are at the lowest levels ever recorded, and over 870 00:42:46,880 --> 00:42:50,040 Speaker 9: one hundred thousand illegal aliens have been arrested. If you 871 00:42:50,200 --> 00:42:54,000 Speaker 9: are here illegally, your next you will be fine nearly 872 00:42:54,120 --> 00:42:58,080 Speaker 9: one thousand dollars a day, imprisoned, and deported. You will 873 00:42:58,160 --> 00:43:01,799 Speaker 9: never return. But if you reach using our CBP home 874 00:43:01,880 --> 00:43:05,200 Speaker 9: app and leave now, you could be allowed to return legally. 875 00:43:05,600 --> 00:43:10,280 Speaker 9: Do what's right, leave now. Under President Trump, America's laws, 876 00:43:10,520 --> 00:43:12,920 Speaker 9: border and families will be protected. 877 00:43:13,040 --> 00:43:15,160 Speaker 4: Sponsored by the United States Department of Homeland Security,