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Speaker 3: All right, guys, welcome back to Earn your Lisia United
Speaker 3: Masters of this Year. That's our partners Select Con. Shout
Speaker 3: out to the good folks at United Man.
Speaker 2: Shout out to Dave Christine holding it down over there.
Speaker 4: Appreciate you, good people. Good people.
Speaker 3: So today's going to be an exciting conversation. We have
Speaker 3: two dynamites that we're gonna talk about, you know, the
Speaker 3: world of music, the world of business, financial, all of that,
Speaker 3: all of that stuff. So first up to bat for
Speaker 3: the introduction. Toby Wigway, no Wig.
Speaker 4: Now, did I get it?
Speaker 5: I ain't mad at I A'm mad.
Speaker 3: I'm sorry. My name is my name is Rasha Valau.
Speaker 3: So people people mess up my name all the time,
Speaker 3: so I'm hyper sensitive. Whenever I don't I never wanted
Speaker 3: to know.
Speaker 2: He usually just goes you do it, and I'm like,
Speaker 2: I'm about it.
Speaker 3: They call me Rashid. They call me all kinds of stuff.
Speaker 3: So I'm sorry.
Speaker 6: Her way more uh way worse uh in a leave
Speaker 6: with substitutes.
Speaker 4: And say cool kaylen uh Kaitlynka.
Speaker 3: So say Cool is the head of the Advanced Black
Speaker 3: Pathways at Chase, a managing partner Chase main director at Chase.
Speaker 3: He's been with Chase for fifteen years and he's been
Speaker 3: the banking industry for twenty years. And Toby is one
Speaker 3: of the hottest artists in the game right now, one
Speaker 3: of the most dangerous them seeds coming out of the
Speaker 3: A Leaf swat.
Speaker 4: We learned about that I'm doing, I'm doing Yeah. So Toby.
Speaker 3: Toby is really dope because he he has a really
Speaker 3: interesting backstory. He's Nigerian. He went to college for I
Speaker 3: think four years. I believe he used to be an
Speaker 3: athlete and he told his family that he wanted to
Speaker 3: be a rapper, and they were like, why do you
Speaker 3: want to be?
Speaker 6: What is this?
Speaker 3: But if if you follow him on Instagram, he's he's
Speaker 3: like a very eclectic kind of guy because he's from Houston.
Speaker 3: But it's it's like you might see him with gold
Speaker 3: teeth in his mouth, but then he has like live
Speaker 3: instruments and then he does a lot of political activism.
Speaker 3: So it's like a lot of different flavors.
Speaker 4: It's like a.
Speaker 2: Gumbo making it himself, branded it himself.
Speaker 4: He's putting this guy is a dynamo.
Speaker 3: He's a dynamo and it's no wonder that he's working
Speaker 3: with United Master's because he's independent. So that's the conversation
Speaker 3: that we're gonna have. So Toby, first and foremost, thank
Speaker 3: you for joining us. I want to start with you.
Speaker 3: Then say who I'm gonna go to, I'm gonna go
Speaker 3: to you. So, Toby, you come from, like I said,
Speaker 3: an interest in background as far as like you know,
Speaker 3: being an athlete, going to college and then wanting to
Speaker 3: be an entertainer, So taking an independent route, Like is
Speaker 3: that something that was taught in your household as far
Speaker 3: as you know having African parents, we all know that
Speaker 3: I think Nigerians have the highest level of college degrees
Speaker 3: I believe out of any ethnic group in America something
Speaker 3: like that. So so was that something that you know
Speaker 3: you kind of you think how to had to head
Speaker 3: start as far as the business standpoint at in your house.
Speaker 7: Absolutely not. That's a strong, strong Hell.
Speaker 6: Now, my mom wanted my parents want me to do
Speaker 6: something extremely safe.
Speaker 7: They wanted me to.
Speaker 6: Do the due to the natural uh Nigerian stuff doctor lawyer, engineer.
Speaker 7: So when I told him I was gonna be doing
Speaker 7: what I was.
Speaker 6: Gonna be doing, uh and it all started from like
Speaker 6: a nonprofit, my mom looked at me like what, like,
Speaker 6: you know, Nigerian's master the art of over dramatic negative encouragements.
Speaker 6: Like her first reaction to me being an entrepreneur and
Speaker 6: starting the nonprofities, Oh my god, why, how's God for
Speaker 6: sake on me?
Speaker 7: What have I gone to this?
Speaker 5: This type off costs you know what I'm saying.
Speaker 6: She just couldn't understand like how it was gonna work
Speaker 6: out for me because like she, she and I had
Speaker 6: to take it with a grain of salt, because most
Speaker 6: Nigerian parents, especially for the first generation born kids UH
Speaker 6: in the US, they feel like, look us, doing what
Speaker 6: we had to do to get here was risk enough.
Speaker 6: Get into something that's gonna give you, give you something
Speaker 6: right now, get you some ends right now, and don't
Speaker 6: do nothing else risky. We risked it all you good.
Speaker 6: But once she saw like all the you know what
Speaker 6: I'm saying, accolades and everything that that came with me
Speaker 6: being an independent artist, an entrepreneur, business owner, all that
Speaker 6: type of stuff. Today Chappelle to Beyonce, playlist, Michelle Obama
Speaker 6: stuff like uh, she she's relaxed.
Speaker 2: Well, we can't let that go over our heads. Like
Speaker 2: those are those some prominent names.
Speaker 4: You just said, hell of an accomplishment.
Speaker 7: We we we real blessed in this season.
Speaker 2: So I got a quick question when it comes to
Speaker 2: being independent, I know there's a lot that comes with
Speaker 2: everything is on you. Has there been a time from
Speaker 2: the beginning where your artistic vision actually collided with your
Speaker 2: financial reality?
Speaker 7: Oh? Yeah, when I first started, you know what I'm saying, I.
Speaker 4: Was broke exactly.
Speaker 7: You know what I'm saying.
Speaker 6: I have a vision for what I wanted to do,
Speaker 6: but what but why? What it made me do was
Speaker 6: master the art of being resourceful. So so I like,
Speaker 6: I'm mastered being able to do stuff with absolutely nothing,
Speaker 6: no budget, no, no, none of the extra stuff. So
Speaker 6: everything that I do now, in my mind low key
Speaker 6: is a luxury. So I could I could do I
Speaker 6: could do much with absolutely nothing.
Speaker 4: Yeah, that's important, that's important.
Speaker 3: You know, it's interesting, especially like we're from New York,
Speaker 3: but I always admired the South. I was always a
Speaker 3: big fan of the South. And one of the things
Speaker 3: I always aminded about the South is that the business
Speaker 3: acumen of a lot of the guys from the South
Speaker 3: early on, even from a J. Prince master P, slim Baby,
Speaker 3: it seems like down South they was they was ahead
Speaker 3: of that wave as far as like independent and and
Speaker 3: like selling music out your trunk, where the bigger artists
Speaker 3: in New York at that time was signed to death.
Speaker 4: Sign the day.
Speaker 3: The day and age that we in now right where
Speaker 3: it's it's like you don't technically need a label, but
Speaker 3: a lot of artists are still signing to like the
Speaker 3: big the biggest artists in the game are still signed
Speaker 3: to labels. So like, how do you you got well?
Speaker 7: I was saying, I don't.
Speaker 6: I don't necessarily believe that everybody don't need to be
Speaker 6: signed to a label. It And this is my thought
Speaker 6: process because at first I was like, bruh, what are
Speaker 6: y'all doing? You know they getting all your money blah
Speaker 6: blah blah blah blah. You could you could do this
Speaker 6: all yourself, but everybody don't got vision, Like that everybody
Speaker 6: can't like don't know how to brand themselves, market themselves,
Speaker 6: write their own stuff, direct their own videos. And I
Speaker 6: think because it comes, some of that stuff come like
Speaker 6: not necessarily easy, but natural to me. I'm thinking, like, yo,
Speaker 6: y'all should be able to do this too. If y'all
Speaker 6: just you know what I'm saying, put the grind for it.
Speaker 7: But that's not how.
Speaker 6: Everybody not built like that, and everybody some people do
Speaker 6: need people to like brand it all up, market it
Speaker 6: all up, package it all together for you. Get somebody
Speaker 6: to write your stuff, get somebody to direct your video.
Speaker 6: You don't really got no vision of how you want
Speaker 6: to put your stuff out, you know what I'm saying.
Speaker 6: So I used to be on everybody should be independent.
Speaker 6: Now I really don't mean I promise you I'm fifty.
Speaker 3: Fifty, but so yeah, so well go ask is like
Speaker 3: you as as an independent artist coming up right? Like
Speaker 3: how important? Cause we talked to business owners a lot
Speaker 3: on the podcast. We talk about systems, like creating systems,
Speaker 3: but I feel like for artists you have to have
Speaker 3: systems in place as well, like as far as like
Speaker 3: like you said, your merch your video, So when did
Speaker 3: you realize that you have to actually have systems in place,
Speaker 3: and how was it actually putting systems in place to
Speaker 3: actually run your music like it is a business. So like,
Speaker 3: can you talk about that for like an aspiring artist
Speaker 3: that may want to be independent, but they just they
Speaker 3: don't really know how to run a business and they're
Speaker 3: not really sure about like the best way to go
Speaker 3: about it.
Speaker 6: Yeah, Well, I realized I need systems in place when
Speaker 6: I was about to when I was about to burn
Speaker 6: out and die trying to package all the stuff, write
Speaker 6: all the songs, help produce all the songs, direct all
Speaker 6: the videos and the merch thing was. It was real
Speaker 6: tough for me, but I had to get But choosing
Speaker 6: like a specific type of person in a specific group
Speaker 6: of people to help me with the stuff that I'm.
Speaker 7: Doing was extremely key. I need a specific type of person.
Speaker 6: You got to be good people, and then you got
Speaker 6: to understand that we independent, like there's nothing whatever.
Speaker 7: Needs to be done, we gonna have to do it.
Speaker 6: And I had to get people that had the mindset
Speaker 6: and not the like nine to five stuff should already
Speaker 6: be taken care of type of mindset.
Speaker 4: So six, I want I want to bring you in no,
Speaker 4: got it, got Toby Toby.
Speaker 7: No, no, No, that's basically it. I just had to
Speaker 7: get a specific type of person.
Speaker 6: And you know, I'm real family oriented, real relational, so
Speaker 6: you know, I do all of this with my family.
Speaker 6: And like I said, I'm mastered the art of being resourceful.
Speaker 6: So I literally chose to do this with people who
Speaker 6: I do life with and not that they were just
Speaker 6: like extreme experts and nothing like that, because they weren't.
Speaker 6: My wife ain't no nothing to like nothing about none
Speaker 6: of this industry. Nel was literally just starting to make
Speaker 6: beaks when I when I started to rap. So she
Speaker 6: wasn't like Timberland Swiss. She wasn't like, like no crazy
Speaker 6: reducerr like that. The majority of the stuff that she
Speaker 6: was seeing me was like poo cheese.
Speaker 4: Try y'all gonna grow together.
Speaker 7: We got to work this way. When you're coming up.
Speaker 7: You can't like be like, oh, let me get up there. Now,
Speaker 7: find somebody that's on your level and then everybody come
Speaker 7: up together.
Speaker 4: Yeah.
Speaker 2: That's something we stress a lot, is like look look sideways, man.
Speaker 2: You always have to look up to find somebody who's
Speaker 2: doing it the best. Like a lot of times if
Speaker 2: you look to the side you can grow together. So
Speaker 2: that's definitely important. Sake y'all want to bring you in
Speaker 2: because we're talking about financial literacy and how it affects artists,
Speaker 2: and I want to know how ABP, because we learned
Speaker 2: through music, we will admittedly talking about that a lot,
Speaker 2: like we learned a lot of our lessons to music.
Speaker 2: I want to know what the role that ABP is
Speaker 2: gonna be playing. And in terms of getting that financial
Speaker 2: literacy financial growth to our community, well.
Speaker 5: It's a quickically important question.
Speaker 8: So Advancing Black Pathways we launched in twenty nineteen, really
Speaker 8: to focus on strengthening the economic foundation of the black community.
Speaker 8: And the key part of that is the financial health
Speaker 8: because too often people make the mistake and thinking is
Speaker 8: how much you make, But it's not what you make,
Speaker 8: it's what you keep and grow. And so talking about
Speaker 8: financial health, which has been a taboo topic.
Speaker 5: In our community. Right, My parents didn't.
Speaker 8: Talk to me about money, right, so if I then
Speaker 8: enter like the work world, these things you know, weren't
Speaker 8: firsthand to me and working in banking. So for us,
Speaker 8: we've launched a number of initiatives to really promote, you know,
Speaker 8: the dialogue and show what tools you can leverage so
Speaker 8: that you can.
Speaker 5: Actually grow and build wealth. So it is important. And
Speaker 5: about the music.
Speaker 8: One thing that's interesting to me is the evolution of
Speaker 8: materialism or the finances and the music. See, I remember
Speaker 8: when Dougie Fresh was talking about I'm in a Cherokee
Speaker 8: and cheerwheels in Aaliti, Right, and then you go along
Speaker 8: and all of a sudden you got the lamboas and
Speaker 8: Brigatti's Like something happened in that time frame. But yet
Speaker 8: we don't hear the focus on the assets that actually,
Speaker 8: you know, grow that enable you to build wealth and
Speaker 8: appreciate versus depreciate. So just getting people to really anchor
Speaker 8: on you know, how do you build and grow wealth?
Speaker 3: So all right, it's so coming from a corporate background,
Speaker 3: you're in the corporate world, right, So you guys have
Speaker 3: three different, uh I guess pathways where wealth creation, careers,
Speaker 3: and education. Right, So can you talk about each one individually?
Speaker 3: Because like, I think one thing, like we talk a
Speaker 3: lot with entrepreneurs and stuff like that, but as even
Speaker 3: Toby said, everybody's not gonna be an entrepreneur and that's okay,
Speaker 3: Like some people are just not cut out to be entrepreneurs. Right,
Speaker 3: So I'm interesting to hear your idea about careers because
Speaker 3: we know, like even I think black women own get
Speaker 3: college degrees at the highest rate, but they're still underpaid.
Speaker 4: They still.
Speaker 3: Yeah, absolutely, and they get venture capital at the lowest rate.
Speaker 3: And you yeah, so yeah, how do we how do
Speaker 3: we how do we how do we make this right
Speaker 3: in the corporate world.
Speaker 8: So what we're doing from advancing black pathways is one
Speaker 8: supporting the entrepreneurship.
Speaker 5: But I'll get to that.
Speaker 8: But the education piece for us, you know, we made
Speaker 8: a commitment to hire four thousand you know, black students,
Speaker 8: right and put them on pathways where they can earn
Speaker 8: you know, you know great, you know, have a great
Speaker 8: career and earn again a lot, a lot of money.
Speaker 5: And so that was important for us.
Speaker 8: And then the first year we hired over a thousand students,
Speaker 8: but really giving them that pathway and showing them the
Speaker 8: art of the possible, but also you know, overlaying financial health.
Speaker 8: So we did this at Howard University and we're doing
Speaker 8: it at all schools, but but to try to at
Speaker 8: an earlier stage, you know, make sure we're highlighting the
Speaker 8: importance to financial topics because and you may appreciate this.
Speaker 8: Our generation, we used to talk about keeping it one hundred,
Speaker 8: which meant keeping it real, and I want to get
Speaker 8: people talking about keeping it seven hundred, meaning keeping your
Speaker 8: credit score above seven hundred so that you can access
Speaker 8: the banking industry. And so that's where we have to
Speaker 8: shift the dialogue and really talk about as we're thinking
Speaker 8: about education in our career, focus on financial health earlier
Speaker 8: and the importance of entrepreneurship.
Speaker 5: That's where wealth is created.
Speaker 8: Black entrepreneurs have twelve times in that worth of black
Speaker 8: non entrepreneurs, right.
Speaker 5: So that's why.
Speaker 8: We've created this program to truly get access to capital,
Speaker 8: content advisory services for black entrepreneurs, because that's the only
Speaker 8: way we're going to really create jobs and grow and
Speaker 8: strengthen our community. Entrepreneurship has always been the way for
Speaker 8: black folks when there was no corporate path, right, and
Speaker 8: so entrepreneurship remains critical for our wealth building in our community.
Speaker 2: I'm thinking now, like, especially from an artists standpoint, like,
Speaker 2: could there be some type of financial service company that
Speaker 2: comes along and decides to partner with an artist or
Speaker 2: a brand like United Masters to give them give people
Speaker 2: a training, right like I know that, you know, twenty
Speaker 2: one Savage is doing financial literacy and I love with
Speaker 2: with Killer MICA's doing, and obviously we're trying to do
Speaker 2: for the community. But in other professions, like even in
Speaker 2: the NBA, like they have a rookie camp or you know,
Speaker 2: something like that prepares them for what's about to happen
Speaker 2: when they come into money. I'm wondering what you think
Speaker 2: the benefits of that would be, Toby. You can answer
Speaker 2: that and say cool. You can answer from from the
Speaker 2: financial service standpoint the benefits of that and why we
Speaker 2: haven't you know, come to form a coalition that that
Speaker 2: would facilitate that.
Speaker 6: Well, I think it'll be phenomenal because I feel like
Speaker 6: there's so many there's so many artists that don't have
Speaker 6: a clue what's going on in the industry when they
Speaker 6: get involved. And I'll be honest, when I first started
Speaker 6: doing music, I didn't have a clue. I just I
Speaker 6: just had the talent and the vision to do what
Speaker 6: I was doing. But I had to get with some
Speaker 6: people who were well versed in the industry that could
Speaker 6: give me game.
Speaker 7: I got with you know what I'm saying, Steve Stout
Speaker 7: gave me a lot of.
Speaker 6: Game when I first went to with him in his
Speaker 6: office and let me know, like, hey, just keep doing
Speaker 6: what you're doing, like you're doing all the all the
Speaker 6: things that you need to do and you really don't
Speaker 6: need no label.
Speaker 7: And in my mind I was like, shoot, I might.
Speaker 6: Have to get the label when I first started, but
Speaker 6: it's because I didn't have any fore knowledge of the industry.
Speaker 6: So I think financial literacy and then just literacy of
Speaker 6: the industry. If a coalition could be set up for artists,
Speaker 6: uh in that vein, it'll be monumental and labels would
Speaker 6: be hurt.
Speaker 8: Yeah, I agree, And I think, you know, taking away
Speaker 8: the shame, like no judgment, no shame, like sometimes we
Speaker 8: don't want to talk about, you know, as it relates
Speaker 8: to least financial services, you know, some of these topics
Speaker 8: because we may not know, but anything else we would
Speaker 8: you would ask you. If I'm visiting Houston, I'm going
Speaker 8: to ask them, Hey, where should I get my haircut?
Speaker 8: Like or where should I pick up something for to night?
Speaker 8: But I'm not asking you, hey, how'd you get your mortgage?
Speaker 8: Like like what process did you go through?
Speaker 3: Right?
Speaker 5: And when he can create.
Speaker 8: Those dialogues and the way that again makes the information
Speaker 8: readily accessible, and then we're promoting those dialogues within the community,
Speaker 8: like Steve Stout could put you on game and not
Speaker 8: only about as an artist, but more broadly how he's navigated.
Speaker 8: And so I think that's what's needed in this time
Speaker 8: more than ever, that the information has to be shared right,
Speaker 8: And so that's through advancing black pathways what we're trying
Speaker 8: to do. Like I don't care if you bank with
Speaker 8: JP Morgan Chase or not. You should know your credit score.
Speaker 8: I'll tell you how to get it free. Credit Journey
Speaker 8: had Chase is not about Chase. It's about the black
Speaker 8: community and making sure we have these tools readily available
Speaker 8: where people can access it and learn.
Speaker 4: Yeah.
Speaker 3: I think I was watching Drink Champs one day and
Speaker 3: Noriega had actually said that rappers should have a union
Speaker 3: even like actors have the SAG And it's like, you know,
Speaker 3: even here because Beanie Sieguel is one of our favorite
Speaker 3: artists and when he was like, I can't eat off
Speaker 3: one hundred grand, no dental plan, you know, I sy,
Speaker 3: It's like you don't even have benefits. As so it's
Speaker 3: a lot of stuff that young aspiring artists don't fully understand,
Speaker 3: but say, who have a question? And actually I would
Speaker 3: love to get Toby's and put on it as well.
Speaker 3: So I'm in the financial services industry and the disconnected
Speaker 3: that I've seen, and I think one of the reasons
Speaker 3: why Earn Your Leisure is so popular is that in
Speaker 3: a black community, there's been a lot of initiatives, but
Speaker 3: I think the messenger is extremely important, like who's relaying
Speaker 3: the message right, because it's like a lot of times,
Speaker 3: especially young people, but even older people, they feel disconnected,
Speaker 3: disenfranchised with traditional institutions and people the delivery of certain people.
Speaker 3: So even if it's good intentions, it's like if you
Speaker 3: don't have a credible messenger or a relatable messenger, then
Speaker 3: it kind of just goes over people's heads. And like
Speaker 3: I said, I think that's one of the reasons that
Speaker 3: people really like our podcast because they see us it's
Speaker 3: just regular people, and we just dress like regular people.
Speaker 3: We're not like if we don't have ask Scots, we're
Speaker 3: not the most polished as far as our diction is concerned.
Speaker 4: That was good. So how will you, guys, Chase, how
Speaker 4: will you? Because I feel like, like Troy said, we
Speaker 4: earners what's up.
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Speaker 3: He learned from rappers, honestly, like we we learned. We
Speaker 3: learned more from Jay Z. He's our guy. We learned
Speaker 3: more from Jay than we learned in high school. And
Speaker 3: I even feel now like I feel like for Meek
Speaker 3: Mill to make financial literacy cool, it's even more powerful
Speaker 3: than you know, the Secretary of Treasury. Like nobody even knows.
Speaker 2: They can't pronounce his name, they can't spell his name,
Speaker 2: they don't know.
Speaker 3: They're going to do a worse job butchering the name
Speaker 3: that I did earlier. So who who?
Speaker 4: Who? Does Chase have to relay this message? First? For you?
Speaker 3: Say cool and Toby? For you, how important is hip
Speaker 3: hop and being responsible? And because you guys have a
Speaker 3: tremendous voice, like you put that Breonna Taylor video out and.
Speaker 4: It gets millions of views.
Speaker 3: A hip hop artists, I think have a tremendous voice responsibility,
Speaker 3: but if they're not educated themselves, then they can't, So
Speaker 3: say cool, who's the messengers that Chase is gonna was
Speaker 3: to get this message of financial literacy out to the community.
Speaker 8: He's really quickly because jay Z I agreed the story
Speaker 8: of oj that lyric about Dumbo. I could have bothered
Speaker 8: two million dollar building and that then so for twenty
Speaker 8: five million, how do I feel, Dumbo?
Speaker 5: I mean yes, like the if people have the.
Speaker 8: Insights, they can absolutely incorporate it, you know, into the
Speaker 8: music in terms of like the messenger that becomes critically important.
Speaker 8: You know, Blacks for good reason don't trust a lot
Speaker 8: of large institutions because our history in this country, some
Speaker 8: of these institutions have not served us well quite frankly,
Speaker 8: and so that's why we work with the Board of Advisors.
Speaker 8: So I work really closely with Kevin Hart, for instance,
Speaker 8: and one of the meetings, Kevin Hart was like that
Speaker 8: what you just said is exactly what he said that
Speaker 8: he wants to he's involved with advancing Black Pathways because
Speaker 8: he wants to reach the community and have people here
Speaker 8: from his mistakes. And I took him around a Harlem
Speaker 8: children Zone and different schools in New York to talk
Speaker 8: to these students about his money mistake.
Speaker 5: So when you thought he was making money, he.
Speaker 8: Would tell you I was dead broke, right and so,
Speaker 8: and here's the mistakes I made along the way. And
Speaker 8: so I think, unless you have credible messengers, right and well,
Speaker 8: and I'll give you the best example of a credible messenger.
Speaker 8: The CEO of Chase Bank is a black woman. To
Speaker 8: shun the brown ducket, she runs the largest bank in
Speaker 8: this country, the actual CEO of the banking side Chase.
Speaker 8: The fact that we have a black woman running the
Speaker 8: largest bank in this country, it is unheard of, right,
Speaker 8: and so again you and.
Speaker 5: She can leverage that same intentionality.
Speaker 8: So as we've built all these new branches across the country,
Speaker 8: we've built these branches, some of these branches in you know,
Speaker 8: black and brown communities, right, and so we could be
Speaker 8: intentional about how we reach, how we hire, who we hire,
Speaker 8: because that's the way you could truly reach people in
Speaker 8: the community. So, while not perfect by any means, but
Speaker 8: that is at least a start where you to your point.
Speaker 8: If you don't have the right messenger, like you're gonna
Speaker 8: lose me at from the get go. So so that is,
Speaker 8: you know, a very critical point, and we're very mindful
Speaker 8: of it, and that's why we want to hire, right,
Speaker 8: That's why.
Speaker 5: We're hiring people across the bank. That's why we're hiring
Speaker 5: black financial advisors.
Speaker 8: That that understand us, that can give us messaging that
Speaker 8: really is appropriate as well. So so it's a great question,
Speaker 8: and that's the intentionality we have with Advancing Black.
Speaker 4: Path Toby, how do you feel about hip hop's role?
Speaker 3: And because we see hip hop taking a stance on
Speaker 3: police brutality and a lot of stuff, but financial literacy,
Speaker 3: I feel like it's I feel like the reason why
Speaker 3: our podcast is successful is because a lot of artists
Speaker 3: Rick Ross, jay Z, Nipsey, Hustle Yes have have taken
Speaker 3: a stance on financial literacy. So what is hip hop's
Speaker 3: role in relaying this message?
Speaker 7: I really, I really think home on real quick, my
Speaker 7: best be going out of our mind.
Speaker 5: Her I'm doing the conference, that's us.
Speaker 6: I got too underwe Wow, I got what I'm saying. Yeah,
Speaker 6: my back to back game is stronger than Drake.
Speaker 7: Ain't gonna tell.
Speaker 6: You all right, So but this this is what I
Speaker 6: would say.
Speaker 7: I think it really depends on the artist.
Speaker 6: And I had to learn this myself because I am
Speaker 6: very conscious of every single thing that I put out,
Speaker 6: and I want my stuff to my stuff as far
Speaker 6: a specific group of people who come from where I
Speaker 6: come from, who didn't have anybody to give them game,
Speaker 6: similar to what y'all do at earn your leasure. You're
Speaker 6: literally trying to give game to the people who who
Speaker 6: you know, ain't gonna get this information too many other places.
Speaker 6: So that that's me specifically, But everybody ain't get involved in.
Speaker 7: Music to do that. Some people just got music to
Speaker 7: get money.
Speaker 6: Some people just got the music to uh for whatever reason.
Speaker 6: But it ain't to literally empower your people. You understand
Speaker 6: what I'm saying. Some people got into to flash to
Speaker 6: to some people would very lane growing up and they
Speaker 6: won't get chicks now and like and that's what this
Speaker 6: is their means to, you know what I'm.
Speaker 7: Saying, feel that void that they got in their life.
Speaker 6: So I I hold artists to a completely different standard,
Speaker 6: and it.
Speaker 7: I I I.
Speaker 6: Would hold them accountable to whatever it is to the financial,
Speaker 6: literary literacy stuff, if that was UH somewhere embedded in
Speaker 6: their goal for when they were in their why or
Speaker 6: their reason, but was starting to do music. If that
Speaker 6: ain't really what you got into it for, I can't
Speaker 6: really hold you accountable that I could do, you know
Speaker 6: what I'm saying. I could just be like, well, you're
Speaker 6: really kind of working against the grain and it really
Speaker 6: working against my message.
Speaker 7: But why I got in ain't why you got in?
Speaker 6: So so it j I. I think it really just
Speaker 6: depends on the artist. I think it was. I think
Speaker 6: they should pall us. It's something like uh uh in
Speaker 6: times of crisis or in one of his stand ups or.
Speaker 4: Something like that.
Speaker 7: It was like, the last thing you want to hear
Speaker 7: is uh, what does joll Ruth think on?
Speaker 5: You know what I'm saying?
Speaker 4: Why why y'all rule? That's like the fifth time he
Speaker 4: says something about you.
Speaker 5: But I understand what the joke was.
Speaker 6: Like, It's a lot of stuff going on right now,
Speaker 6: and John I ain't never put yourself out there and
Speaker 6: the person is going to be the go to person
Speaker 6: for black Trump he's on sportsperson.
Speaker 8: Sorry, another point on that, And I was listening to
Speaker 8: Yo Got as a song out Recession Proof, which which
Speaker 8: again captures basically the cycles we've seen that whether it
Speaker 8: was the NBA lockout in ninety nine where you had
Speaker 8: cats selling their watches. What he talks about in this lyric,
Speaker 8: like if we don't incorporate this financial literacy early on,
Speaker 8: people don't realize.
Speaker 5: As you begin to make money, like you can hit recessions.
Speaker 5: It could be COVID nineteen.
Speaker 8: And so that's why, like if you're learning these concepts early,
Speaker 8: and you're saving, and you have a liquidity or rating
Speaker 8: day fund, then you can navigate the storm.
Speaker 5: Because then what happens is like you know, you we
Speaker 5: get can't one.
Speaker 8: We're starting with less, you know, given structural inequities in
Speaker 8: this country.
Speaker 5: You know too, even the businesses or the artists.
Speaker 8: You know, you may have less cash on hand. And
Speaker 8: so if you're not managing that, like you could be
Speaker 8: right at your breakthrough. Uh, but because you haven't been
Speaker 8: able to navigate the storm, you have to make decisions
Speaker 8: that don't ultimately you know, prepare you to continue to
Speaker 8: capitalize on your talent. And so again I think the
Speaker 8: creative mindset, like you're an artist because you're great, right,
Speaker 8: and so we still have to marry in that that
Speaker 8: financial health. It doesn't have to be your main thing.
Speaker 8: It just needs to be a part of how you
Speaker 8: navigate your personal life. That's not about your artistry as
Speaker 8: much as it is about maximizing what is done from
Speaker 8: your artistry.
Speaker 2: Yeah, Tek really quickly, and I'm happy you said that
Speaker 2: we have to start early. I was wondering, a BP,
Speaker 2: are we going into schools? Are there educational programs, mentornships,
Speaker 2: internships because that was something that our podcast was founded on.
Speaker 2: Was like we were dealing with team kids who had
Speaker 2: nothing to do over the summer, and we were giving
Speaker 2: them internships and paying them. I'm wondering if Chase is
Speaker 2: doing that. Is that part of the initiatives as well?
Speaker 5: Yeah? Absolutely.
Speaker 8: And we launched the ABP Apprentice program to reach college
Speaker 8: students earlier, so freshmen and sophomore so it doesn't matter
Speaker 8: if you didn't come from a corporate background. We want
Speaker 8: to get you earlier so that you can navigate and
Speaker 8: see you could be successful. And one of the things
Speaker 8: we did that I was proud of this summer is
Speaker 8: that even though we had to do this internship virtually
Speaker 8: and shortened it, I'm paying these students for the entire
Speaker 8: summer right because I don't want them short change because
Speaker 8: of COVID nineteen and we're still going to make sure
Speaker 8: they have access to again the content, the tools they
Speaker 8: grow their careers and are able to still perform well.
Speaker 8: So yes, we have to create these opportunities, these internships.
Speaker 8: Another one of the things we did this year that
Speaker 8: was proud of it is we launched a hardship fund
Speaker 8: because forty five percent of black students come for poverty
Speaker 8: zip codes, so we launched the AVP Hardship Fund to
Speaker 8: ensure that students don't have to drop out because they
Speaker 8: have a financial hardship. I remember cats that like you know, oh,
Speaker 8: the Burscher's office five hundred dollars, so they couldn't like
Speaker 8: graduate or couldn't register for class, right, and so then
Speaker 8: that's the worst of all worlds because you end up
Speaker 8: dropping out, you have the student.
Speaker 5: Loan debt and no degree.
Speaker 8: So we're using that hardship fund to help these students
Speaker 8: stay in but also look to then hire them and
Speaker 8: provide financial health. So yes, we're starting with students and
Speaker 8: try to incorporate it and make it part of freshman
Speaker 8: orientation for as many schools as we can.
Speaker 4: Toby, I have a question.
Speaker 3: You are Nigerian, but you grew up in the Swat,
Speaker 3: which I'm assuming is a predominantly African American neighborhood. So
Speaker 3: I did some research and you said you got the both.
Speaker 3: You got experiences from both sides of the coin, from
Speaker 3: the Black American experience in the African experience. So my
Speaker 3: question is, like we're in the day and age with afrobeats,
Speaker 3: is really you know the vibe right now? And even
Speaker 3: like you know, going back to Ghana was a big
Speaker 3: thing last year, how can we how can we bridge
Speaker 3: the gap between the different cultures between African Americans and
Speaker 3: people on the continent in Africa for not just economic development,
Speaker 3: although that is important, but just culturally and just different
Speaker 3: things in that nature that you you have a unique
Speaker 3: perspective on that. So I think that that's one of
Speaker 3: the things that can actually drive the needle as well
Speaker 3: if we do more collaboration across continent.
Speaker 4: So have you thought about that?
Speaker 7: Yeah, one hundred percent. And I feel like I lowkey
Speaker 7: am designed to like be a portion of the bridge.
Speaker 6: I feel like every firstborn generation uh Nigerian, Ghanean Kenyan whoever,
Speaker 6: like the first generation born here who went to school
Speaker 6: and had a full like black American experience and it
Speaker 6: came to the crib and it was like he was
Speaker 6: in the village like you like you.
Speaker 7: Are white, I'm being sited like you wire different.
Speaker 5: So like I like, I literally so this this all right?
Speaker 7: So and I said this one time when I did
Speaker 7: a little.
Speaker 6: Interview at Harvard and uh some of my uh uh
Speaker 6: uh Nigerians who's still in Nigeria, they got a little offended.
Speaker 7: But I'm telling you, like, we got a real like
Speaker 7: unique perspective.
Speaker 6: So when you hear somebody in Nigeria trying to rap
Speaker 6: like do like pure hip hop, like you can tell
Speaker 6: in somebody from Nigeria trying to do hip hop, You're like, bro,
Speaker 6: I promise you, I see what you're trying to.
Speaker 7: Do, but it really don't boom like you know what
Speaker 7: I'm saying.
Speaker 8: You know.
Speaker 7: But but if you heard them doing like what.
Speaker 6: Uh with wiz kidding and like when you hear them
Speaker 6: on some approbat stuff, you're like, oh, okay, yeah, that's
Speaker 6: the vib and then like black Americans hear.
Speaker 7: That like oh I'm trying to you know what I'm saying,
Speaker 7: like and they and they want that piece.
Speaker 6: But it's like so so when I when I when
Speaker 6: I do hip hop, it's like I don't sound like
Speaker 6: a Nigerian trying to sound black. I'm a Nigerian who
Speaker 6: had a who had a pure black experience and had
Speaker 6: a pure Nigerian experience. So when I when it comes off,
Speaker 6: it comes off as authentic and like unique in itself
Speaker 6: to where like somebody like while they can do the
Speaker 6: same thing, to where he could play like simple uh
Speaker 6: oh man. I don't even know if y'all know the
Speaker 6: song like that sweet Mother sweep ma.
Speaker 7: I ain't really Nigerian like that.
Speaker 4: But say yeah, yeah, that's all.
Speaker 5: I'm saying.
Speaker 6: But like we are, I think like it's people all
Speaker 6: the first generation boring people in the in the US
Speaker 6: and abroad or whatever, whether you're in the UK or whatever.
Speaker 6: Like I feel like we are perspective is specifically designed
Speaker 6: to be a bridge for everybody to go back and
Speaker 6: do what we're doing here there. But it just it
Speaker 6: comes with, you know what I'm saying, nations doing like
Speaker 6: what Ghana is doing, Like Ghana is making it so
Speaker 6: live to just want to go back. Ghana make it
Speaker 6: feel like you going to Wakanda.
Speaker 5: You know what I'm saying.
Speaker 7: They had when I.
Speaker 6: Saw all the videos and stuff and everybody being there.
Speaker 6: I'm like, Yo, that's really what I wish everybody was on.
Speaker 6: Let's take what we're doing here, go set up shop
Speaker 6: over there and like really flourish, Like that's really the dream.
Speaker 7: And I feel like eventually that's what it's going.
Speaker 5: To get you on the law.
Speaker 3: That's a fact. So they just let us know. We
Speaker 3: got one more question, So stay cool. Chase to change
Speaker 3: is the slogan I believe that you guys are going with. So, yeah,
Speaker 3: you know, we in the time right now where a
Speaker 3: lot of companies have different initiatives and solute everybody that's making,
Speaker 3: you know, a point. But what is the last thing
Speaker 3: that you want to leave the people with that that
Speaker 3: will you know, solidify Chase's commitment to the black community
Speaker 3: moving forward, not just you know, this year, but in
Speaker 3: the next decades to come.
Speaker 8: Yeah. No, definitely, we all are out here chasing the change,
Speaker 8: and in addition to chasing that, you want to make
Speaker 8: it grow. And so we're The message I would leave
Speaker 8: is that this is despite everything going on, we're at
Speaker 8: a point in history where we are going to overcome
Speaker 8: this and have access, in my view, to greater opportunities,
Speaker 8: but we have to force that to happen.
Speaker 5: It's not going to just happen just because.
Speaker 8: And so I think what we're going to do from
Speaker 8: advancing Black Pathways is just to double down on our
Speaker 8: investment in the black community across all.
Speaker 5: Of these areas.
Speaker 8: And so financial health will remain critically important entrepreneurship. Whether
Speaker 8: you're an artist, you're artist and entrepreneur, right, So making
Speaker 8: sure we are providing access.
Speaker 5: To the tools that they that they need so they
Speaker 5: can be successful.
Speaker 8: And then we're also if you want to take a
Speaker 8: different route and go corporate, we really don't care what
Speaker 8: route you want to go.
Speaker 5: We want to definitely be helping and assisting.
Speaker 7: On that journey.
Speaker 4: So we're going to end with this, man.
Speaker 2: Our slogan is assets over liabilities, right And as an artist, man,
Speaker 2: I want you to think about this your best financial
Speaker 2: decision and your worst financial decision.
Speaker 6: My best financial decision is once I pay off fast
Speaker 6: behind that accent driving it still to this to this dyke,
Speaker 6: you know what I'm saying, because I don't.
Speaker 7: You know what I'm saying. I don't care about what
Speaker 7: nobody think. That can't get me the anger be and I'm.
Speaker 6: Not trying to impress no, no, none of y'all. But
Speaker 6: I got me a wife, I got kids, we Gucci.
Speaker 6: Worst financial decision, I'll be honest with you. I don't
Speaker 6: really got nothing. I'm cheap and I and I still
Speaker 6: you know what I'm saying, I still maneuver like I
Speaker 6: don't need much.
Speaker 4: So I think, hold on, let me.
Speaker 7: Give you one just so let me force me real quick.
Speaker 7: What's a bad financial decision? Uh, this whole little towel
Speaker 7: set that I that that fact just made me buy.
Speaker 6: And all the towels that she bought, they all like
Speaker 6: just be lined up and they just shed every single
Speaker 6: time you watch them, and they're useless.
Speaker 4: That's what.
Speaker 7: That's what, That's what My worst financial decision is. Put
Speaker 7: that make sure this go live. So people are so
Speaker 7: facking running.
Speaker 8: But I like your mindset though, and he said that
Speaker 8: earlier that again he operated, you know, even without the budget,
Speaker 8: and that point you talk about the budget for you know, promotion,
Speaker 8: et cetera. And I think that if you keep that mindset,
Speaker 8: the more successful you become. Like at the end of
Speaker 8: the day, I don't I didn't grow up like I live.
Speaker 5: I'm to be quite real on that right, I had
Speaker 5: a pail grant like you know, pree and.
Speaker 8: Reduced lunch the whole nine. But because I kept the
Speaker 8: mentality that I wasn't going to just be a spender
Speaker 8: and have to prove to people that I'm doing well.
Speaker 5: And that's the mistake we make. We're too busy trying
Speaker 5: to prove. Whereas you know, brother here is.
Speaker 8: Like, no, no, I'm good because what I'm if you're
Speaker 8: not on my journey, Like why am I impressing you? Right?
Speaker 8: Like my music, my craft speaks for me and and
Speaker 8: that's how you're able to build wealth.
Speaker 5: And I have begain three kids, he has two, Like
Speaker 5: you have a mindset shift.
Speaker 8: When you talk about building that generational wealth for them.
Speaker 8: So the things that may have mattered, you know as
Speaker 8: a single guy, like it doesn't really matter as you're
Speaker 8: a father and you're thinking about generational wealth and what
Speaker 8: you're gonna leave for them and for their children.
Speaker 3: Yep, gentlemen, it's been a pleasure, Toby. Keep up the
Speaker 3: great work. We we are fans and we are watching
Speaker 3: when we come to Houston after this COVID nineteen thing
Speaker 3: is over, Hopefully we can get it.
Speaker 4: We got a lot of love in Houston. Shot the
Speaker 4: don key you know little Key, Yeah, Yeah, that's our god.
Speaker 4: That's our god, y'all.
Speaker 7: Key Key is like legendary.
Speaker 4: Yeah, that's our god.
Speaker 7: Maybe maybe they't know another Kekey, No, just one.
Speaker 3: He came to our event in Houston. We read him
Speaker 3: and we flew back to New York with him and
Speaker 3: Paul Wall shot out to Houston. We got a lot
Speaker 3: of love in Houston. We have a j Prince story too.
Speaker 5: To act like it was somebody and see what happened.
Speaker 5: But just joke.
Speaker 3: Yeah now, but Toby Man, when we come to Houston, we.
Speaker 4: June fuck.
Speaker 3: We definitely got it. We definitely got to connect Man.
Speaker 3: But once again, we definitely are fans of your music
Speaker 3: and just the whole vibe that you got. I really,
Speaker 3: I really think that it's dope. So keep up the
Speaker 3: great work and stay cool. It was a pleasure being
Speaker 3: introduced to you, and hopefully we can, you know, stay
Speaker 3: in touch and keep up the great work that you're doing.
Speaker 3: I think that's it's great that we actually because you
Speaker 3: guys are in different spaces, but we got a highlight
Speaker 3: of a variety of different people in the black experience
Speaker 3: because everybody has a part to play, and everybody is
Speaker 3: doing it on a different path, whether it's in the
Speaker 3: corporate world, whether it's through music, whether it's through entrepreneurship,
Speaker 3: whether it's through fashion, whether it's through spoken word, whether
Speaker 3: it's through activism. And we can never downplay another person's position.
Speaker 3: It's like, you know, a basketball team. Everybody's got their
Speaker 3: own roles to play it and no one person is
Speaker 3: more important than a team. And we're all a team
Speaker 3: at the end of the day. So thank you to
Speaker 3: both of you, gentlemen. Thank you to United Masters, the
Speaker 3: good folks.
Speaker 4: Of the Yeah, that's what I said.
Speaker 2: And we always stress equality and equity is important, but
Speaker 2: economic empowers the other that we have to stress and
Speaker 2: everybody here is part of that.
Speaker 4: So I appreciate y'all brothers.
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