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Speaker 4: Those games sent the team's energy through the roof.
Speaker 1: Are you saying it was the off field play that
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Speaker 5: My graduates from my school being forced back drop.
Speaker 4: Bag drop, Mike drop back drop b drop.
Speaker 2: Have you shared in this episode of Personal Opinions and
Speaker 2: Not endorsed by Google or Google Pay?
Speaker 6: Thanks to Google Pay for sponsoring this episode. Alright, guys,
Speaker 6: welcome to a very special episode of Early a Lisia.
Speaker 6: So you know, this is something that we haven't done
Speaker 6: in the past, but we're looking forward to where we're
Speaker 6: going to talk about some real topics related to finance
Speaker 6: that you know people have questions about, people always ask,
Speaker 6: but nobody really ever touches these things. So we're gonna
Speaker 6: get into it. And you know, we got some familiar
Speaker 6: faces that's joining us today.
Speaker 3: So legends in the game for sure.
Speaker 6: So the first one. If you're watching Lisia, if you
Speaker 6: have watched Lidia, I'm pretty sure you get very, very
Speaker 6: familiar with Kizzia. She has been on market Monday, she's
Speaker 6: been on Earn Alesia, and she was a start investvest
Speaker 6: So yeah, the Holy Trilogy. So yeah, I'm pretty sure
Speaker 6: you know Professor Keys if you're on Instagram, if you
Speaker 6: follow Earn a Lisia, it's just killing the game. A
Speaker 6: brilliant entrepreneur, extremely gifted and talented. Uh you know, one
Speaker 6: of the best speakers that we have come across, and
Speaker 6: she really really knows her stuff. So teaching, teaching, entrepreneur,
Speaker 6: teaching financial literacy, there's no one better in the game
Speaker 6: than Professor Keys. So uh, Professor.
Speaker 3: Keyese, it's gonna be fun.
Speaker 6: Welcome, Welcome back to e y l Hi, guys.
Speaker 7: It is a pleasure to be here with the ghosts
Speaker 7: the greatest of all time. Y'all know, I absolutely love
Speaker 7: you you guys, and I love giving you all hugs,
Speaker 7: hugging your nack in Atlanta. Congratulations on all of your
Speaker 7: success you already know, I mean your stories, I mean
Speaker 7: your timeline, I mean your feed. So thank you so
Speaker 7: much for having me back on the show. I can't
Speaker 7: wait to have conversations about taboo topics related to money.
Speaker 3: Yeah, this is going to be fun, and we brought
Speaker 3: some folks along with us.
Speaker 2: So I wanted to give a quick shout out to
Speaker 2: the good folks at Google pay for sponsoring this episode
Speaker 2: and your Lidia. Y'all know if you don't Google pay,
Speaker 2: is it safe and simple and helpful way to manage money?
Speaker 2: And since we always talk about ways of making money
Speaker 2: and how to earn money right earn your Lesia, it's
Speaker 2: the most important that we know how to manage that money.
Speaker 2: So Google pay is an app that can definitely help
Speaker 2: you with that. It gives you insight into your spending
Speaker 2: through features like weekly summaries, tracking trends over time, and
Speaker 2: showing what you spent at every business so you can
Speaker 2: do what you really want to do with your money.
Speaker 3: I remember you come from the days of where you
Speaker 3: kept every receipt after you spend none of those days.
Speaker 2: Yeah, so when you got to app like Google pay,
Speaker 2: do all that and one another thing that it does
Speaker 2: track is obviously you're spending.
Speaker 3: Since we're on the.
Speaker 2: Road a lot and we eat out all the time,
Speaker 2: you get to see what the money is really going.
Speaker 3: Man, So remember what we got to come back on
Speaker 3: them spending for our food and we got to fix
Speaker 3: our eyes.
Speaker 6: You get to track everything that you spend, So shout
Speaker 6: out the shop to Google. The Google always decided the time,
Speaker 6: So yeah, yeah, a Google pay. So let's get into this.
Speaker 6: So all right, we're going to talk about a variety
Speaker 6: of different things today and it's going to be a
Speaker 6: free flowing conversation. So the first thing we want to
Speaker 6: talk about is financial etiquette as far as like what's
Speaker 6: table right, because this is something that's extremely important not
Speaker 6: only for adults, but for adults that's teaching their children.
Speaker 6: And I feel like children learn about financial literacy through us,
Speaker 6: through adults, through their parents. So sometimes I feel like
Speaker 6: we're teaching children bad habits without even actually realizing. So
Speaker 6: I'm going to talk about a couple of different things.
Speaker 6: I want to get your opinion, and I want you
Speaker 6: to rate these things on the taboo scale, one being
Speaker 6: not tabled at all, ten being extremely table, and then
Speaker 6: I'm going to ask you, you know, if it's the
Speaker 6: wrong way to actually phrase the question, what will be
Speaker 6: the right way to phrase the question? So the first
Speaker 6: one that I want to ask you is this.
Speaker 3: We got to see if she's ready?
Speaker 8: You ready, I'm ready.
Speaker 7: I feel like this is double Dutch and I'm on
Speaker 7: the outside. Just kind of do it like this like
Speaker 7: tack me in, guys on.
Speaker 3: That was a rhetorical question.
Speaker 6: We always the first one. This is something that I
Speaker 6: actually recently gave a Ted talk about this. I used
Speaker 6: to always ask adult this all the time and I
Speaker 6: got I never really got a real answer. How much
Speaker 6: money do you make? This is extremely important question. I'm
Speaker 6: going to explain is why this is important because I
Speaker 6: feel like, especially for children, in order for them to
Speaker 6: aspire to be something, it's good to actually have a
Speaker 6: gauge of what to expect. So it's like, all right,
Speaker 6: you might want to be an architect, but how much
Speaker 6: money does an architect make? Depending on how much money
Speaker 6: an architect makes, that might determine if you actually want
Speaker 6: to be an architect or not. So it's easy to
Speaker 6: find out how much a sports player makes because we
Speaker 6: could just look and see how Hey, Lebron James makes
Speaker 6: forty million dollars a year, so that's easy. But you
Speaker 6: know a lot of these other professions are not listed
Speaker 6: and you don't know. So when I used to ask
Speaker 6: these questions a lot, you know, sometimes people tell you,
Speaker 6: but a lot of times they'd be like, you know,
Speaker 6: that's rule, don't ask adults, and even as adults sometimes,
Speaker 6: like being a financial advisor, I used to have to
Speaker 6: sit down with clients and I would ask them, you
Speaker 6: know how much money you made? After a while, people
Speaker 6: started telling me. But a couple of times people would
Speaker 6: get a little nervous and they'd be like they were
Speaker 6: it was weird. So I could tell that they were
Speaker 6: wired from a young age to not not to discuss
Speaker 6: how much money they make. So how do you feel
Speaker 6: about that? Is that a taboot question to ask or not?
Speaker 7: Okay, So I'm gonna write this guys, and Rashad you've
Speaker 7: already kind of tap into it. On a scale from
Speaker 7: one ten, I would rate this like an ad like
Speaker 7: a nine, maybe nine.
Speaker 8: And a half.
Speaker 7: And the reason why I say that is some of
Speaker 7: the reasons that you already alluded to, and it's that
Speaker 7: I think that society sometimes erroneously associates someone's personal wealth
Speaker 7: but the economic value that they create specifically in the workforce,
Speaker 7: and we know that this correlation is absolutely incorrect.
Speaker 3: Right.
Speaker 7: People can create value in many different ways, both inside
Speaker 7: and outside the workplace. So when we enter into conversations
Speaker 7: and we know that this is very much a taboo topic,
Speaker 7: I think we enter into what some folks call the
Speaker 7: numbers game, right, where the person who has the highest
Speaker 7: number is somehow perceived as being the winner, that number
Speaker 7: being your wage and your salary, and those folks who
Speaker 7: have the lower number, right, those folks feel a little shame,
Speaker 7: maybe you feel a little disappointment because you feel like
Speaker 7: you can't compete with that individual. But here's the thing, right,
Speaker 7: there are so many different ways in which salary and
Speaker 7: earning can be influenced.
Speaker 8: One of those things is negotiation.
Speaker 7: But there's also a few things that you can't really
Speaker 7: control to a certain extent.
Speaker 8: Office politics.
Speaker 7: We know offices have their own little political ideologies and
Speaker 7: the ways that people operate.
Speaker 8: There's also the wage gain.
Speaker 7: So people of color and also women specifically are affected
Speaker 7: by that. I'm a black woman, I've been affected by that.
Speaker 7: But then also company budgets. So when you think about
Speaker 7: the social sector, there are people who create maximum value
Speaker 7: in really phenomenal ways, but the way in which the
Speaker 7: budget is set up, perhaps they can't be compensated to
Speaker 7: the extent to which is they contribute. So when we're
Speaker 7: talking about the numbers game, one of the things that
Speaker 7: I think is it becomes taboo because people are trying
Speaker 7: not to.
Speaker 8: Quote unquote lose.
Speaker 7: On the other hand, though, I think it's important that
Speaker 7: we absolutely have those conversations. I was reading or report
Speaker 7: by Society of Human Resource Managers and one of the
Speaker 7: things that they said is women negotiate their salary. Only
Speaker 7: forty five percent of women negotiate their salary.
Speaker 8: And when you're talking about.
Speaker 7: Men, sixty eight percent of men negotiate their salary. And
Speaker 7: the way that you come in at a job, that
Speaker 7: starting salary can influence the ways in which you earn
Speaker 7: over the years.
Speaker 6: Well, let me just follow up on that, because that
Speaker 6: actually fly a follow up. So negotiation of job this
Speaker 6: is also a very awful conversation. I want to ask
Speaker 6: you a two part questions. The first one is going
Speaker 6: to be from an employee standpoint. So when you're at
Speaker 6: a job, interview and you get through all of this
Speaker 6: situation and all of that, at what point should you
Speaker 6: ask how much you're going to be paid? Or should
Speaker 6: you say this is how much I would like to
Speaker 6: be paid, because this is something that's real. You know,
Speaker 6: everybody's kind of nervous with their job, so a lot
Speaker 6: of people are going in and they're scared to say
Speaker 6: how much they want to be paid. They don't even
Speaker 6: ask how much, and then it's like you just take
Speaker 6: whatever is offered to you. So at what point should
Speaker 6: you bring up salary and how should you bring that up?
Speaker 3: And then we got to rate that because that's a
Speaker 3: great question. But on one to ten, what are we
Speaker 3: going with this?
Speaker 7: Yeah, well, I mean I think it's a not for
Speaker 7: a table conversation, but we have to rate the extent
Speaker 7: to which you should be asking the question. It should
Speaker 7: be an absolute ten. And I think that's where the
Speaker 7: research comes into play. And you always like to say,
Speaker 7: don't swim in the ocean of knowledge and drowning ignorance.
Speaker 7: You want to make sure that you're doing your research
Speaker 7: about that particular position even as you're applying to the job.
Speaker 7: But you also want to find people who are in
Speaker 7: that industry and you want to have a courageous conversation.
Speaker 7: Maybe you don't approach it like young ershad and you say, hey,
Speaker 7: how much money you do?
Speaker 8: You may, but you.
Speaker 7: Say in context, I'm trying to enter into your industry, right,
Speaker 7: and I see the position that you work.
Speaker 8: I aspire to be where you are.
Speaker 7: Can you give me the range in which people in
Speaker 7: this position make in regard to salary. What I've learned
Speaker 7: is sometimes people are more comfortable to give you a range.
Speaker 7: Remember they're making one hundred thousand dollars, but they don't
Speaker 7: want to tell you that, and they'll say you can
Speaker 7: make between ninety one hundred and fifteen. You pair that
Speaker 7: up with the research that you find on the internet,
Speaker 7: and I think that sets you up in a good
Speaker 7: position so that when you go into the interview, you
Speaker 7: can ask what are they offering?
Speaker 8: And you know, at least from your negotiation position, what
Speaker 8: may be fair or not.
Speaker 2: Yeah, I'm going to go back to the beginning question
Speaker 2: because twenty years ago, that's exactly how I got into
Speaker 2: the professional teaching. I asked the teacher, my favorite phys
Speaker 2: that teacher, I said, how much you make? He told
Speaker 2: me one hundred and fifty thousand. I said, you.
Speaker 3: Can make that as a teacher, and he told me
Speaker 3: again he had a whole plan.
Speaker 9: This was it.
Speaker 3: He had base salary, which is one hundred and twenty.
Speaker 3: He had been working for twenty five years.
Speaker 2: And then he coached sports that he thought nobody really
Speaker 2: cared about at the school. So he was the golf
Speaker 2: coach in our community. People weren't really playing golf. He
Speaker 2: was the bowling coach. We didn't even know we had
Speaker 2: a bowling team, and ye had soccer coach, and so
Speaker 2: he combined all those salaries, and I said, that's what
Speaker 2: I want to be. And so I'm glad that you
Speaker 2: asked that shot, that you asked that question and the
Speaker 2: way your answered perfect. But I'm going to ask you
Speaker 2: one and you can rate this one to ten on
Speaker 2: taboo because how much you make is important, But how
Speaker 2: much do you owe is another conversation that we really
Speaker 2: have and it can be a little country and be
Speaker 2: a little embarrassed. But how you rate it and how
Speaker 2: do we ask this in a more comforment.
Speaker 7: Yeah, that's a really good question. I would say I
Speaker 7: would rate that up at a nine or ten. A
Speaker 7: lot of us experience a lot of anxiety, you know,
Speaker 7: as it relates to money, right, And a lot of
Speaker 7: that anxiety is triggered by life experiences.
Speaker 2: Right.
Speaker 7: Maybe you're going through a divorce. You're trying to figure
Speaker 7: out how much just separation is going to cause. Maybe
Speaker 7: you spend all the way up to your credit limit. Right,
Speaker 7: maybe you're behind on your car payments. And a lot
Speaker 7: of this has to do with, right, the money that
Speaker 7: you owe or that you could owe, And a lot
Speaker 7: of people feel a lot of embarrassment around that because
Speaker 7: they think that people might judge them. I think the
Speaker 7: way in which you approach that conversation is going to
Speaker 7: go back to the C word that I mentioned earlier,
Speaker 7: and that has to do with contexts.
Speaker 8: Why are you asking me?
Speaker 7: Like when you ask that question to another individual, is
Speaker 7: it because you're asking that question because you want to
Speaker 7: support them? Are you asking that question because you would
Speaker 7: like to share information? Are you asking that question for
Speaker 7: real practical things like maybe you're in a relationship and
Speaker 7: you're about to move in together. Right, you're thinking that
Speaker 7: you're about to get into a relationship get married to somebody,
Speaker 7: but you're marrying them and you're marrying their earning And
Speaker 7: also their debt and so having that type of conversation
Speaker 7: can help sex you up with the type of financial
Speaker 7: plan to platform you in a position where you can
Speaker 7: be successful. I think context around the ways in which
Speaker 7: we manage currency is the best ways in which we
Speaker 7: can have these conversations.
Speaker 6: Let me ask you this for business owners, this is
Speaker 6: another awkward conversation to have when people ask how much
Speaker 6: are their services? And I see this all the time.
Speaker 6: People kind of get nervous. Some people say, you can
Speaker 6: give me what you think is worth. People they'll say, like, well,
Speaker 6: it's cost this, but for you, I'll do this. Like
Speaker 6: I feel like this is extremely important for entrepreneurs to
Speaker 6: be confident in their in their price points. So how
Speaker 6: do you develop confidence in your price points? And how
Speaker 6: do you know? Because I know why people short change
Speaker 6: themselves because they're thinking that they're going to say a
Speaker 6: number that's too high and people are going to walk
Speaker 6: away and they'll rather take some money than no money.
Speaker 6: But doing that actually compromising the business and technrituy. Really,
Speaker 6: what's your advice for business owners?
Speaker 7: Listen you speaking my language. Now, that's entrepreneurship. I always
Speaker 7: tell folks, if you are selling a product or service,
Speaker 7: then nobody wants to buy.
Speaker 8: You don't have a business, you have a hib B.
Speaker 7: But on the other hand, sometimes you absolutely do have
Speaker 7: a business, but you have the wrong customer. As an entrepreneur,
Speaker 7: it is absolutely important that you price the product according
Speaker 7: to what it took for you to craft that product.
Speaker 7: What are all the materials, right? What are all the
Speaker 7: services that you have to pay for in order for
Speaker 7: you to bring that product to market. After you do that,
Speaker 7: you have to the type of customer for which your
Speaker 7: product or service is a solution. And when you find
Speaker 7: that person, it's important for you to understand this. You
Speaker 7: need to charge what it costs, unapologetically, and they need
Speaker 7: to pay what it's absolutely worth. I heard you mentioned, Hey,
Speaker 7: you know, I know these individuals right pay you know
Speaker 7: whatever it is because we have a relationship.
Speaker 8: But here's the thing with friends and family discounts.
Speaker 7: Right one, there's a lot of people asking for the
Speaker 7: friends and family discount and they're not even related to you.
Speaker 8: And number two, when it comes out for.
Speaker 7: Friends and family discounts and people pricing out products, they
Speaker 7: weren't there when you started your t shirt business and
Speaker 7: you had to figure out whether it was going to
Speaker 7: be direct to government print, whether you had to get
Speaker 7: an envelope, whether you was going to stamp it, whether
Speaker 7: it was going to be a drop ship. They weren't
Speaker 7: there looking at your cash flow statements, cash and cash out,
Speaker 7: So asking them to make a business decision as a consumer,
Speaker 7: it's just not the right entrepreneurial approach.
Speaker 3: You professor keys for nothing.
Speaker 8: What I had to fend the family discount.
Speaker 7: I was like, listen, I just grewen these and just
Speaker 7: that y'all trying to, you know, snatch them out.
Speaker 6: Listen, crazy family they just met yesterday exactly.
Speaker 3: We passed that segment with flying colors.
Speaker 2: We're going to move on to our next sevent It's
Speaker 2: called best move, worst move, And so a lot of
Speaker 2: times we have a relationship with money.
Speaker 3: Could be positive, it could be negative.
Speaker 2: But everybody's gonna have a relationship with it, and everybody's
Speaker 2: gonna have a journey that comes along with it. So
Speaker 2: I want to start with what is the best move
Speaker 2: somebody can have in the beginning or in the middle
Speaker 2: part of their financial journey.
Speaker 7: I always tell people that you have to put your
Speaker 7: money to work. I like to think of my money
Speaker 7: as a person. Right in my financial life. And what
Speaker 7: that means is that money can't live in my house
Speaker 7: and not go get yourself a job. What what I
Speaker 7: mean by that? That means that your money needs to
Speaker 7: be going to work for you and your savings account. Right,
Speaker 7: are you saving money in an account that accrues interest?
Speaker 8: Right?
Speaker 7: Your money needs to be going to work for you
Speaker 7: in investments, however, that looks like whether you're investing in
Speaker 7: real estate or whether you're investing through.
Speaker 8: A brokerage account. Inflation is real.
Speaker 7: I mean this year, I think they're estimateing that inflation
Speaker 7: is going to be between four percent and six percent.
Speaker 7: And that means that your dollar today is not worth
Speaker 7: the same as your dollar last year.
Speaker 8: So how is your money going to work?
Speaker 7: In investments where the returns can be much higher than
Speaker 7: what inflations could be ten percent, twelve percent? That is
Speaker 7: money going to work. Finally, you need to be thinking
Speaker 7: about how your money could be going to work in
Speaker 7: multiple streams of income. I have perhaps a similar story
Speaker 7: to you, Troy.
Speaker 2: I don't know, but.
Speaker 8: I was working a job for a little bit.
Speaker 7: I got hired into the job as an events manager,
Speaker 7: and I inherited a really talented administrative assistant we work
Speaker 7: together for two years.
Speaker 8: She went and she found another position, another job.
Speaker 7: But when she left, she said, now I'm going to
Speaker 7: make sixty thousand dollars. It's ten thousand more than what
Speaker 7: I'm making now, which would have been fifty thousand. Well,
Speaker 7: the crazy thing about it is at that time I
Speaker 7: was making forty two thousand dollars. My administrative assistant was
Speaker 7: making more than me for two years. And when I
Speaker 7: heard that conversation, one of the promises that I made
Speaker 7: to myself. One, I would be having a courageous conversation
Speaker 7: as it relates to negotiations. But two, I need to
Speaker 7: make sure that I put the money that I'm earning
Speaker 7: to work in a side business, in a side hustle.
Speaker 7: The thing that I want people to realize and understand
Speaker 7: when it comes down to best money moves is that
Speaker 7: if your money is in your house, eating up all
Speaker 7: your food, drinking up all your water, leaving your lights on,
Speaker 7: running your life, buila, then your money is proverbally under
Speaker 7: your mattress.
Speaker 3: So all right, so those are the best moves.
Speaker 2: What are some of the worst moves that people can
Speaker 2: make and have made in their financial journce.
Speaker 7: I would say this not getting all up in your
Speaker 7: money's business. And I don't know how y'all grew up
Speaker 7: in your household, but this is how I grew up.
Speaker 7: We don't lock no doors in my house because when
Speaker 7: you lock a door in your house, when you a child.
Speaker 8: Gets taken off the hinges.
Speaker 2: Right.
Speaker 7: When it comes down to privacy, of course, you want
Speaker 7: to respect the privacy of your child. But if you're
Speaker 7: you know, paying all the bills in your house, let
Speaker 7: me tell you something, there's not going to be too
Speaker 7: many secrets up in that house. I think sometimes when
Speaker 7: it comes down to money, people make guestiments when it
Speaker 7: comes to spending and also when it comes to earning.
Speaker 7: And so I'd like to tell people you need to
Speaker 7: get all up in your money's business.
Speaker 8: What does that look like?
Speaker 7: So we're talking about savings, people say, okay, you need
Speaker 7: to have three to six months worth of emergency savings.
Speaker 7: In order to calculate that, you need to understand how
Speaker 7: much you make each month.
Speaker 8: Have you taken a critical look.
Speaker 7: At your earnings, at your deposits and also looked at
Speaker 7: what you spend so cash in and cash oh, and gotten.
Speaker 8: Down to that bottom number.
Speaker 7: That's a big reason why like Google pay because you
Speaker 7: can see the money that you spent. You can also
Speaker 7: search like deposits, and it lets you know how many
Speaker 7: deposits have come in and you can also see what
Speaker 7: you spent. The other thing is I think it's important
Speaker 7: for you to understand if you're investing in let's say
Speaker 7: you're retirement, so an individual retirement account of four one K,
Speaker 7: four three B. Have you opened up that account and
Speaker 7: started asking yourself critical questions about the mutual funds or
Speaker 7: the securities in which you selected, right, So that's getting
Speaker 7: into your money's business, like do you know why you
Speaker 7: chose that mutual fund?
Speaker 8: Do you know why you want.
Speaker 7: To invest in a specific index? Also, separately, as it
Speaker 7: relates to a side business, as I've brought up earlier,
Speaker 7: you need to make sure that you're understanding how much
Speaker 7: money your side hustle is bringing in and also how
Speaker 7: much your side hustle or your side business is costing you.
Speaker 7: And I think the applications work very well in helping
Speaker 7: you understand the ways of which you can manage your finances.
Speaker 3: Every dollar as a worker.
Speaker 8: What better way to say, yeah, you can't set up now.
Speaker 6: All y'all work in I'm gonna just follow up on
Speaker 6: that real quick before we leave this segment. You have
Speaker 6: mentioned something that was very important. You said that it's
Speaker 6: important for people to know like what they're invested in,
Speaker 6: and you mentioned the four one K, and that's something
Speaker 6: that's extremely important because most people, the average person, that
Speaker 6: the majority of their investment portfolio is in retirement accounts
Speaker 6: and that most of their net worth is in a
Speaker 6: retirement account or their home. That's the average Americans network
Speaker 6: is tied up in those two things. But a lot
Speaker 6: of people don't have any idea what they're invested in
Speaker 6: their four one K. They don't even know, like you know,
Speaker 6: what their options are. They just money just comes out
Speaker 6: of their paycheck and that's all they know. Can you
Speaker 6: just give them a little like education on how to
Speaker 6: actually go about investing properly in a retirement plan?
Speaker 7: Absolutely first, though I want to I'm going to talk
Speaker 7: of then in a second. One particular rule that I
Speaker 7: think is of importance and relevance to this conversation that
Speaker 7: brings a little more structure and parameters in.
Speaker 8: The ways of what you manage your money.
Speaker 7: Is a rule that I follow that has helped me
Speaker 7: get to the financial place that I'm in now, and
Speaker 7: that is the fifty to thirty twenty rule. Fifty percent
Speaker 7: of your money should absolutely go towards what your needs are.
Speaker 7: So those are the bills that you have to pay,
Speaker 7: making at least the minimum contribution on your credit card,
Speaker 7: or the payment on your credit card, that's paying.
Speaker 8: Your rent or your mortgage.
Speaker 7: Thirty percent of your resources should go to whatever your
Speaker 7: wants are.
Speaker 8: So what are those ones? Is that a subscription you.
Speaker 7: Know that you're paying for, Is that you want to
Speaker 7: go turn up at brunch with your friends every other week?
Speaker 7: And then the final twenty percent is exactly what you
Speaker 7: just asked about with Shad, and that is your savings.
Speaker 7: And when you hear savings, you automatically think of a
Speaker 7: savings account. You should absolutely have one of those, but
Speaker 7: it also relates to your.
Speaker 8: Retirement account as well.
Speaker 7: With your retirement account, you can look at your four
Speaker 7: one K, your four O three B, your TSP which
Speaker 7: is your third savings plan, and also your i R
Speaker 7: which is your individual retirement account as the vehicle, but
Speaker 7: what fuels the vehicle are the mutual funds that you select.
Speaker 7: So there's two ways that you can look at that
Speaker 7: you can look at perhaps investing in a fund that
Speaker 7: tracks your age, right, so that specific.
Speaker 8: Fund, a target date fund.
Speaker 7: You invest in that fund, and the fund managers as
Speaker 7: you get older, your investments in that fund become more conservative.
Speaker 7: When you're younger, it's a little more aggressive, so the
Speaker 7: fund ages with you. Perhaps when you're younger's investing in
Speaker 7: equities and stops, but when you're older, they're investing in
Speaker 7: more conservative assets like bonds. But you can also invest
Speaker 7: in funds that follow major indices.
Speaker 2: A whole lot of game, profess, we got one more set,
Speaker 2: and you got some time.
Speaker 3: For us a whole so I do.
Speaker 6: Yeah, it is.
Speaker 9: You got here.
Speaker 3: We're gonna call this questions for Keys. That's what we're
Speaker 3: gonna call this segment.
Speaker 10: Questions You're a little bit, A little bit so we
Speaker 10: don't go with some scenarios and case studies, and I
Speaker 10: want you to point a pinpoint some important questions that
Speaker 10: people should be asking if they're in those situations.
Speaker 2: I'm gonna start with one that's near and dear to me,
Speaker 2: and that's understanding your student loans. If we're in this situation,
Speaker 2: what are the questions we should be asking in the scenario.
Speaker 7: Okay, so that is near and dear to my heart
Speaker 7: as well. I think it's important for you to know
Speaker 7: whether you have a federal loan or whether you have
Speaker 7: a private loan, because the ways in which you pay
Speaker 7: back those loans may have different parameters. Right, So, if
Speaker 7: you have a federal loan, perhaps there are some assistance
Speaker 7: available to you, like right now with headlining in the
Speaker 7: news the public student loan forgiveness. If you have a
Speaker 7: federal loan, a specific for or a loan, you may
Speaker 7: be able to work at a nonprofit organization, You may
Speaker 7: be able to work for the government, and if you
Speaker 7: make one hundred and twenty qualifying payments that could be
Speaker 7: used towards.
Speaker 8: Potentially getting your student loans forgiven.
Speaker 7: One of the things you should also understand is what
Speaker 7: type of repayment plans are available to you.
Speaker 8: You can repay based off.
Speaker 7: Of the income that you earn, but you could also
Speaker 7: repay based off of other methodologies. Another question that I
Speaker 7: would ask in regard to student loans or what are
Speaker 7: some ways that you can pay off your student loans early.
Speaker 7: I was able to pay off my student loans before
Speaker 7: ten years and a big reason for that is I
Speaker 7: started a nonprofit organization and a for profit business. Two
Speaker 7: years after I graduated from school and the money that
Speaker 7: I earned, I specifically asked my loan service provider if
Speaker 7: I can make those contributions towards the principle balance of
Speaker 7: my student loan, and that helped me reduce my balance
Speaker 7: in a more significant and sustainable way so that I
Speaker 7: paid off a little bit earlier.
Speaker 2: Yeah, I'm glad that you brought up that point about
Speaker 2: one hundred and twenty qualifying payments because if you have
Speaker 2: been paying attention, that has now changed.
Speaker 3: The literature has changed on it.
Speaker 2: The way that they now define qualifying payments has differentiated
Speaker 2: from how it used to be. Whereas when people were
Speaker 2: applying a couple of years ago, no one was getting accepted. Right,
Speaker 2: So now you got one D twelve, one hundred and
Speaker 2: twenty qualified payments and plus ten years of service. Like
Speaker 2: you said, depend on your profession, you can be forgiven.
Speaker 2: So keep me so with that point.
Speaker 6: Yeah, So another big one. What question should you ask
Speaker 6: or what should you know when you are in the
Speaker 6: process of buying a car? Extremely extremely important.
Speaker 7: The first question you should ask is what is your
Speaker 7: credit score? I think that that is one hundred percent important.
Speaker 7: And one of the things that I didn't know until
Speaker 7: I was in a market to buy a home and
Speaker 7: also a new vehicle. Shout out to Asada, that's the
Speaker 7: name to my car rip. She died a couple of
Speaker 7: weeks ago.
Speaker 3: But I've heard.
Speaker 7: Is that there are different credit scores assigned to different
Speaker 7: assets like your car and also lack, your home. And
Speaker 7: so when I was going car shoping, just like when
Speaker 7: I was going house shop, and I went and looked
Speaker 7: for the specific fight folks score that was associated with
Speaker 7: that particular asset.
Speaker 8: And one of the things that people.
Speaker 7: Don't know is sometimes that score might be a little
Speaker 7: higher than the score that you might see and experience equifacts,
Speaker 7: et cetera on just a general level.
Speaker 8: So that would be one question I would ask.
Speaker 7: Second question I would ask, is is this something that
Speaker 7: you could really afford comfortably? So we talked about the
Speaker 7: fifty to thirty twenty rule, right, so fifty percent is
Speaker 7: dedicated towards your your needs. And so are you buying
Speaker 7: a car because you want to flex, right, and so
Speaker 7: you're trying to buy at the top of your budget?
Speaker 7: Are you buying a car that you absolutely can afford?
Speaker 7: And a way which you can determine that is making
Speaker 7: sure again that you get all in your money business
Speaker 7: and you know the cash coming in and also the
Speaker 7: cash going out.
Speaker 2: Yeah, I'm saving the best for last. And we spoke
Speaker 2: about kind of sharing with other people. So what are
Speaker 2: the questions you should be asking when you're sharing your
Speaker 2: expenses with someone a spouse, a girlfriend, like when when
Speaker 2: and when's the appropriate time to do it? What are
Speaker 2: the questions we should be asking?
Speaker 7: You know, that's something that I'm still exploring, you know,
Speaker 7: out here, Sigle in these streets. When I have a
Speaker 7: conversation with someone who I'm getting serious about, I think
Speaker 7: it's important to make sure that your financial philosophy is
Speaker 7: as compatible as you are as people. Right, So perhaps
Speaker 7: your values around money may differ from the person with
Speaker 7: whom you're dating, and I think the ways in which
Speaker 7: you can have that conversation a lot of it has
Speaker 7: to do with what I think is again contextualizing conversations.
Speaker 7: If you want to move in together, you want to
Speaker 7: have a conversation about how much you're earning, but you
Speaker 7: also want to have a conversation about who's can distributing,
Speaker 7: and then how much is it going to be fifty
Speaker 7: to fifty, Is it going to be sixty forty? Is
Speaker 7: it going to be a seventy thirty split. You want
Speaker 7: to have a conversation about credit scores, you know, I
Speaker 7: think that that's important. A lot of people leverage credit
Speaker 7: in order to buy assets, right, But if one person
Speaker 7: has an excellent credit score and the other person does not,
Speaker 7: then that means perhaps you're only leveraging one person's credit
Speaker 7: score over the other, unless.
Speaker 8: Of course, you add them as an authorized user to
Speaker 8: your account.
Speaker 7: I think the other thing is you want to have
Speaker 7: conversations perhaps about some of the different things happening in
Speaker 7: the news, right, So instead of it seeming like a
Speaker 7: Q and A like an interview, perhaps you can look
Speaker 7: at what's happening on some of these major network and
Speaker 7: when you have those conversations, sometimes the values come out.
Speaker 6: So then you have it. Ladies and gentlemen, pess the
Speaker 6: keys always a pleasure certified gym drop plas.
Speaker 8: Thank you so much.
Speaker 9: For having me.
Speaker 7: Guys, you already know I want one hundred percent support
Speaker 7: are your leisure Thank you Google pay for having us
Speaker 7: for a real deal conversation and I look forward to
Speaker 7: continue conversations you.
Speaker 2: Have, Thank you, thank you amazing.
Speaker 6: Yes, yes, so for the second half of this show,
Speaker 6: we are bringing on another heavy hited. This is a
Speaker 6: highly inticispendable situation. Yes, it was only amount of time.
Speaker 6: Anthony O nil for a long, long time number one
Speaker 6: bestseller killing the podcast game. That's why I used to
Speaker 6: I used to see him as a competition on the podcast.
Speaker 6: So it's not the word time, first time that I
Speaker 6: got familiar with him, but really dynamic business leader, thought leader,
Speaker 6: and he also has a very good way with words,
Speaker 6: very good.
Speaker 3: Or accomplished speaker.
Speaker 11: Yes, oh yeah, this is this is like I said,
Speaker 11: I know people have been anticipating in this collaboration for
Speaker 11: a while, so I'm glad that we're able to, you know,
Speaker 11: do this and hopefully this could be the startup a
Speaker 11: lot of other things that.
Speaker 6: We can do together. So first and foremo Anthony, how
Speaker 6: are you, brother? Thank you for joining us. Appreciate it.
Speaker 12: Man, earn your leisures man. There's no competition, brother. You
Speaker 12: know what I'm saying, y'all are earned your leisure. So y'all,
Speaker 12: y'all are the goats right now. I'm coming for you.
Speaker 12: But you know what I'm saying, I respect the generals
Speaker 12: in the space. Man, such an honor to be on
Speaker 12: y'all platform.
Speaker 3: Bro, we appreciate you being. Congratulations on everything man.
Speaker 12: Man, thank you all so much. Man, appreciate what y'all
Speaker 12: doing for the community. Uh, invest fast was off the chain, man,
Speaker 12: so again, solute, thank.
Speaker 6: You, thank you, thank you, brother, appreciate that. So all right,
Speaker 6: so let's jump into this, Troy. Yeah, first segment.
Speaker 2: So we had a few segments with the Professor Keezier
Speaker 2: Williams prior to you coming on, and we got a
Speaker 2: couple of seid is you want to do with you now?
Speaker 3: The first one I'll call this cannot afford this right now?
Speaker 3: All right? So exactly that's what's it.
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Speaker 13: We start right away, so we're gonna be discussing how
Speaker 13: to determine whether or not.
Speaker 2: You can afford different financial commitments by taking on honest
Speaker 2: look at your expenses.
Speaker 3: Are you cool with that?
Speaker 12: Yeah, let's do it, man, let's do it. That's hand
Speaker 12: some fun. I'm gonna be real. Now, y'all may not agree,
Speaker 12: but I'm gonna be real. I'm gonna keep it real
Speaker 12: since it is a real deal.
Speaker 3: All right.
Speaker 6: So first one that I want to start with. This
Speaker 6: is probably the most common thing anybody is faced with.
Speaker 6: Vacation trips just happens all the time. You know, whether
Speaker 6: it's college kids a spring break, but it's adults going
Speaker 6: on a destination wedding that they really can't afford but
Speaker 6: they don't want to. You know, financial pair pressure is
Speaker 6: a very real thing. So how do you feel about
Speaker 6: vacations that you may not be able to afford?
Speaker 12: I mean, here's the truth. I love vacations. I'm gonna
Speaker 12: keep it real with you. You know I love them,
Speaker 12: But I also love staycations. Now, staycations is when you
Speaker 12: know I may not have the financial means to go
Speaker 12: out of state, to go out of the country because
Speaker 12: I'm focused on my vision for my life. So if
Speaker 12: your vision is to get out of debt, if you're
Speaker 12: married watching this and your vision is to build your
Speaker 12: first home, or maybe you're single and you're like, yo,
Speaker 12: my vision is to pay off my student loans. Well,
Speaker 12: you may need to step back and look at your
Speaker 12: budget and see, all right, cool, can I go on
Speaker 12: this vacation or should I stay on this staycation? Maybe
Speaker 12: just go to the hotel downtown and save me three
Speaker 12: grand and put that towards my debt.
Speaker 4: So you got to really ask yourself can you afford it?
Speaker 3: Now?
Speaker 12: If you were on my show and you telling me
Speaker 12: you're drowning in a bunch of debt, I'm gonna tell
Speaker 12: you now you really can't afford to do nothing, No dates,
Speaker 12: no ice cream shops, pretty much nothing.
Speaker 3: Man.
Speaker 12: But you know, right now, the key thing is what's
Speaker 12: your vision and make sure that everything that you're doing
Speaker 12: is aligning to your vision and helping you get there
Speaker 12: and not slowing you down or preventing you from getting there.
Speaker 3: Yeah.
Speaker 2: I'm glad we're having this segment with Google pay because
Speaker 2: obviously that's going to help everybody see the financial situations
Speaker 2: a lot clearer.
Speaker 3: And I know you're a death free guy. You don't
Speaker 3: like living death free, you like living death free. You
Speaker 3: don't like having debt as part as the portfolio.
Speaker 2: So this is another key one, right, Like vacations are important,
Speaker 2: but deciding when to buy or can I afford to buy?
Speaker 3: Versus am I going to have to rent? You know what?
Speaker 12: Man, I think one thing that we really got to
Speaker 12: have a conversation about, especially within our culture, is that
Speaker 12: there's nothing wrong with renting. You know, I think buying
Speaker 12: is is very important because ownership is very important. I
Speaker 12: want to be clear up front, owning your home, ownership
Speaker 12: in general, owning your business, et cetera, is very very important.
Speaker 12: But you want to make sure that you're not house poor.
Speaker 12: And what I mean is you go out there and
Speaker 12: you get this great mortgage, this huge mortgage, this beautiful home,
Speaker 12: but you can't afford to put a bed in your bedroom,
Speaker 12: You can't afford to put a couch inside of the
Speaker 12: living room, you can't afford to cut the grass. You
Speaker 12: are scared to cut on the water because you're already
Speaker 12: maxed out. And so what I tell people is again,
Speaker 12: step back and look at your budget. And what I
Speaker 12: teach people is make sure that your mortgage is less
Speaker 12: than twenty five percent of your take home pay. Now
Speaker 12: if you're going to stretch it a little bit past that.
Speaker 4: That's cool. I'm with it, but ballpark even with me.
Speaker 12: I'm right at about twenty two percent with my personal mortgage,
Speaker 12: but that is the only debt that I actually rock with.
Speaker 12: But there's nothing one with renting. Rent until you are
Speaker 12: ready to purchase a home.
Speaker 3: You know.
Speaker 12: One of the key things I'll tell people is how
Speaker 12: do you know you're ready to purchase a home? Key
Speaker 12: thing is do you have twenty percent to put down
Speaker 12: on your home? You guys know this because if we
Speaker 12: can put down twenty percent, we'll avoid a p and
Speaker 12: mind that's a private mortgage insurance. So if we avoid
Speaker 12: that p and mind, that can save you anywhere from
Speaker 12: one hundred up to five hundred dollars if you're going
Speaker 12: through the FAHA route.
Speaker 4: So that's one key. Number Two key is you know,
Speaker 4: do you have enough money.
Speaker 12: To at least get you into the home and you
Speaker 12: have six months on reserve to where if you lost
Speaker 12: your job during the transition, if the pandemic hit again,
Speaker 12: at least you have something to get you and your
Speaker 12: family through. So there's nothing wrong with renting, y'all. To
Speaker 12: be real with you, I've been making my kind of
Speaker 12: money now for about six seven, about seven years. I
Speaker 12: just for purchased my first home about four years ago
Speaker 12: because I wanted to make sure when I got in
Speaker 12: my home, I had the bread and I can afford it,
Speaker 12: and I was at peace every time I walked into
Speaker 12: my home.
Speaker 6: So let me just follow up on that real quick.
Speaker 6: So you said you said twenty percent.
Speaker 4: Right, twenty five percent of your take home pay, so
Speaker 4: all right?
Speaker 6: So, and take on pay is extremely important because you
Speaker 6: could be getting paid ten thousand dollars a month, but
Speaker 6: your take on pay is seven thousand, so maybe.
Speaker 4: Yeah, yeah.
Speaker 12: And they keep in mind too, the banks, y'all know,
Speaker 12: if you use worked for the bank man, they're going
Speaker 12: to approve you off of your gross income. They're not
Speaker 12: going to approve you off of your net income. So
Speaker 12: that's why it's very important for you. Before you get
Speaker 12: your pre approval, you sit down, you look at your
Speaker 12: budget and say, no, what I can afford three thousand
Speaker 12: dollars a money. You take that to the bank, tell
Speaker 12: them send me a pre approval based upon that right there,
Speaker 12: nothing more, because if you can, if you know you
Speaker 12: can afford three thousand and let's say your gross is
Speaker 12: eight thousand, they're going to approve you at forty five
Speaker 12: hundred to five thousand dollars mortgage payment and you don't
Speaker 12: want that.
Speaker 6: Yeah, that's extremely that's a gym right there. I just
Speaker 6: want to take one minute to just let that soak
Speaker 6: in because I shot to our part of MBO mortgage.
Speaker 6: He always talked about that old time. Don't be house
Speaker 6: rich in cash poor, and a lot of people are
Speaker 6: over extending themselves for their dream home but they really
Speaker 6: can't afford it. And what you said is extremely important.
Speaker 6: You get a mortgage based off of your gross, not
Speaker 6: your net. But you don't live off of growth, you
Speaker 6: live off of net. So it's up to you to
Speaker 6: actually have enough financial responsibility, enough education to understand that
Speaker 6: even though you're getting a mortgage for one hundred thousand,
Speaker 6: if you're only taking home sixty five thousand, you got
Speaker 6: to work off the sixty five thousand, not one hundred thousand.
Speaker 3: All that's a big fan.
Speaker 4: Well, that's big facts, man, big facts.
Speaker 2: And I want to go to one because this one's personal.
Speaker 2: It's there and there I actually went through it. Can
Speaker 2: I afford a new car?
Speaker 3: Right now?
Speaker 2: I'll tell you and Rashade was there when I did it.
Speaker 2: I said, how much of the payment that kill me?
Speaker 2: Five hundred and seventy four dollars a month? I said, man,
Speaker 2: I'm only making twelve hundred a month.
Speaker 3: Let's do it. So if I can I afford this
Speaker 3: right now, a new car, that's a scenario.
Speaker 12: Hey man, Now this is where people may hate me
Speaker 12: when I say this. Listen, if you have to finance it,
Speaker 12: you can't afford the car. My own personal opinion is
Speaker 12: if I can pay cash for it, I got a
Speaker 12: fully funded emergency fund. I can afford whatever I can
Speaker 12: pay cash for. You know, I just purchased my dream car.
Speaker 12: Maybe about what's February February sixteenth is when I purchased
Speaker 12: my my dream car. The cars is a depreciating asset
Speaker 12: in my in my personal opinion, and so if I
Speaker 12: have to finance it, if I have to finance it,
Speaker 12: then I can't afford the car.
Speaker 4: So I went financial freedom.
Speaker 2: That was the wise word. They said, if you can't
Speaker 2: buy it twice, you can't afford it.
Speaker 4: Yeah, jay Z is the man.
Speaker 6: So you don't believe at least in cars at all.
Speaker 12: No, I don't, man, And I know on the business side.
Speaker 12: I know Professor Keys would probably go off on me,
Speaker 12: you know, but you know, I understand. I understand the
Speaker 12: business method, and I don't knock people who who belie
Speaker 12: even that method. That's totally totally cool, you know. But
Speaker 12: for me, I just believe in ownership. I believe in
Speaker 12: owning everything that I have. I don't do any debt.
Speaker 12: I pay cash for it that you have it?
Speaker 6: All right, let's move on.
Speaker 3: Yeah, man, And this one I haven't experienced in about
Speaker 3: ten years because I've been a married man. But let's
Speaker 3: talk about dating.
Speaker 4: Oh nah, man, let me all right. End of the show, brother,
Speaker 4: end of the show.
Speaker 3: Will we face out of dating? Can we afford it? Now?
Speaker 3: What's going on? Give us some advice?
Speaker 4: If you just started dating, can you afford to date? Man?
Speaker 4: You know, here's my thing.
Speaker 12: Man, If you can't afford to pay your bills at home,
Speaker 12: then you can't afford to day. If you're struggling to
Speaker 12: pay your life bill, if you're struggling to you know,
Speaker 12: put food on your table personally by yourself, then not
Speaker 12: you can't afford to day. If you can't afford to
Speaker 12: even feed yourself, now you can't afford today. But if
Speaker 12: you got it, man, go out there, get you a date.
Speaker 12: I'm trying to get me a date, to be honest,
Speaker 12: So I want you to date. I want you to
Speaker 12: find someone. You know, we all need our helpmate, we
Speaker 12: all need our soulmate. I just want to make sure though,
Speaker 12: like when we do actually find the person, especially as
Speaker 12: a man, we're brothers. I'm gonna keep it real here
Speaker 12: as a brother, let's just make sure we're in a
Speaker 12: good place, at least a stable place financially when we
Speaker 12: do start dating.
Speaker 6: Let's let's talk about moving on from a dating conversation
Speaker 6: to the wedding conversation. And that's something that This is
Speaker 6: something that's extremely important because etiquette is something that I
Speaker 6: realize not everybody has because not everybody is taught etiquette,
Speaker 6: and unfortunately a lot of people just don't know. So
Speaker 6: when you don't know what to do, you do what
Speaker 6: you know. So this is a big issue. It's a
Speaker 6: big issue. So okay, let me ask you this question.
Speaker 6: If you can't afford a wedding gift or in a
Speaker 6: appropriate wedding gift, should you go to the wedding? Should
Speaker 6: give a bogus gift? And I'll give it to you
Speaker 6: later when I have it. What's the etiquette for that man?
Speaker 4: Go to the wedding, you know, really you know what
Speaker 4: I'm saying.
Speaker 12: I mean my thing is, go to the wedding if
Speaker 12: you have the right motives. You know, I don't want
Speaker 12: you to be focused on like, well, I don't have
Speaker 12: any I don't have any money, so.
Speaker 4: I don't want to go.
Speaker 12: No, go, because your prayers, your support, your mission to
Speaker 12: help them win is more important. Now give them look
Speaker 12: a bit of something something, give them a card. Don't
Speaker 12: go there, you know, empty empty handed. But you don't
Speaker 12: need to go there with a big old thousand dollars
Speaker 12: gift or the big old box gift. Now give them
Speaker 12: something that comes from your heart and they'll receive it. Well,
Speaker 12: I remember I went to a wedding and I didn't
Speaker 12: have any money. Actually made a card and a girlfriend
Speaker 12: at the time who I was dating, she actually gave
Speaker 12: me a very creative idea. And you'll believe it or not,
Speaker 12: it costs me maybe seven dollars to do that whole gift.
Speaker 12: And they sent both of us a letter saying thank
Speaker 12: you so much because they really felt it came from
Speaker 12: the heart.
Speaker 4: And it wasn't just a gift just to be a gift.
Speaker 2: I'm glad that with Sean, I'm glad you brought up
Speaker 2: the word etiquette because we're gonna move right to our
Speaker 2: next seven perfect segue.
Speaker 7: Man.
Speaker 2: The next seven we're gonna do, Anthony. It's called money manners, right,
Speaker 2: So that's all about etiquette. So this segment, we're gonna
Speaker 2: ask you some questions about etiquette when it comes to money.
Speaker 2: So I'm gonna start with all, are you ready for this?
Speaker 4: Yeah, let's good.
Speaker 3: Okay. How late is it too late to pay someone back.
Speaker 4: On time? That's too late?
Speaker 12: I mean, if you pay me back on the date
Speaker 12: that we agreed, I think that's too late. You know,
Speaker 12: I think you should be focused on, you know, getting
Speaker 12: me my money back or giving I don't really loan
Speaker 12: out money.
Speaker 4: If I give you money, I'm giving it to you.
Speaker 12: I don't expect you to pay it back to me,
Speaker 12: because I just believe that just messages up friendships and relationships.
Speaker 12: So if I can't afford to give you the money,
Speaker 12: I'm not going to give you the money. But if
Speaker 12: you did agree to pay someone back, here's what I
Speaker 12: want you to do.
Speaker 4: That's your number one assignment.
Speaker 12: Don't go by nothing to eat, don't be going out
Speaker 12: on dates, don't be spending any extra money nowhere else.
Speaker 12: If your friend loans you money, if your family loaned
Speaker 12: you money, you know you agreed to pay them back
Speaker 12: by X date. You'll try to pay them back before then.
Speaker 12: If you cannot, then you need to have a clear
Speaker 12: conversation with them, be like, Yo, I'm struggling. Here's where
Speaker 12: I'm at. I just want to over and I want
Speaker 12: to over communicate and be honest with you and just
Speaker 12: let you know, Hey, this is where I'm at.
Speaker 3: I hope everyone's listening.
Speaker 2: I'm sure somebody has a friend right now that is
Speaker 2: like I'm that person or this person owes.
Speaker 6: Me let me ask you this. As far as the
Speaker 6: relationship conversation is concerned, I believe forty eight percent of
Speaker 6: marriages that end in divorce are because of financial reasons.
Speaker 6: It's like the number one cause divorce. A lot of
Speaker 6: these issues are because the conversation was never brought up
Speaker 6: at the beginning. So there's a lot of issues that
Speaker 6: people have in relationships. Like some people want to have
Speaker 6: joint bank account, some people are strung against that. Some
Speaker 6: people believe that you should only pay cash for things
Speaker 6: and have no debt. Some people believe that you can
Speaker 6: have that and just use your credit card. So a
Speaker 6: lot of issues come in relationships, but nobody ever really
Speaker 6: talks about it until they actually get into it. So
Speaker 6: what are some ways how do you start the conversation
Speaker 6: about finances when you're courting somebody, when you're in a relationship,
Speaker 6: At what stage should you start and how do you start?
Speaker 12: You're not so funny, man, I just did a show
Speaker 12: on that, bro and I think the opinion is not popular,
Speaker 12: But I believe before you get into any committed relationship,
Speaker 12: you should have a serious conversation about finances. Because you're right,
Speaker 12: nearly forty eight percent of them marriages in because of money.
Speaker 12: Now check this out. It's not because of the lack
Speaker 12: of money, it's because of the thought process behind the money.
Speaker 12: And so it's very important to know upfront, do we
Speaker 12: align with the same vision when it comes to our money.
Speaker 12: You know, are we on the let's avoid debt track
Speaker 12: or are on the I want to just use other
Speaker 12: people's money to build wealth. Now, whatever side you on,
Speaker 12: just make sure that you are aligned on the same
Speaker 12: side when it comes to finances, when it comes to
Speaker 12: raising your children, when it comes to your spiritual walk,
Speaker 12: you know, you just got to really just have the
Speaker 12: healthy conversation. So for me, I suggest, if you're dating
Speaker 12: with the intent of settling into a committed relationship that
Speaker 12: ultimately leads to a marriage, before you get into a
Speaker 12: committed relationship, have the conversation, and the conversation is simple.
Speaker 12: You know, can we just talk about your vision? What's
Speaker 12: your vision for your life, what's your vision for your family,
Speaker 12: what's your vision for your finances? What are some of
Speaker 12: your goals. Do you want to build a home, do
Speaker 12: you want to have multiple homes? Do you want to
Speaker 12: pay for your kids college? I mean, do you want
Speaker 12: to leave a legacy? And I think that's the easy
Speaker 12: way to have the conversation without going into I know,
Speaker 12: Professor Key said that talk about the credit score and
Speaker 12: stuff like that. For me, I don't care about your
Speaker 12: credit score. I don't know what's up here in your mind?
Speaker 12: What exactly do you do? And then honestly, where do
Speaker 12: you spend your money? You know, I would definitely ask
Speaker 12: some do you have the Google pay app? Can we
Speaker 12: look and see where do you spend your money? You know,
Speaker 12: you know, But at the same time, I mean, I
Speaker 12: just think the conversation has to happen because what you
Speaker 12: don't want to do is get married. Then you have
Speaker 12: the conversation, and then you find out that you're lin
Speaker 12: aligned and going in the same direction.
Speaker 4: That's where the start of divorce starts happening.
Speaker 12: So before you get committed, before you fall in love,
Speaker 12: before you all get deep into this thing, have the
Speaker 12: important conversations. And one of that is and where do
Speaker 12: we staying when it comes to our finances?
Speaker 2: Yeah, this sounds like a conversation that we're happening at
Speaker 2: a nice restaurant, you know, in top of the line
Speaker 2: of food, maybe some red wines on the table.
Speaker 3: My question is when we come to money, man, is
Speaker 3: what's the out of care for? Who pays for the date? Man?
Speaker 4: Are we talking about the first day?
Speaker 3: Bro?
Speaker 4: We're talking about like any dates?
Speaker 13: What we're talking about, Well, let's start with the first
Speaker 13: one and hopefully we get to some more.
Speaker 3: Right, this might be the reason we don't get number two.
Speaker 12: One of my godsister, she went out in the first
Speaker 12: date with this guy and she didn't have any money.
Speaker 12: I literally gave her some money and said, he listen,
Speaker 12: he's going to pay for the date. But if something
Speaker 12: goes down and you're uncomfortable, leave your half, call me
Speaker 12: and I'll come get you. So I want to make
Speaker 12: sure our queens are prepared. But at the same time, brothers, listen,
Speaker 12: first date, take her out. Now, check this out. I'm
Speaker 12: gonna be real and pot myself on blasts on earn
Speaker 12: your leader's network, your.
Speaker 4: Boy, Anthony.
Speaker 12: I'm not spending no more than fifty dollars, two one
Speaker 12: hundred dollars on the first day. I'm not dropping two
Speaker 12: three four hundred dollars on the first day.
Speaker 4: Broft, fifty dollars.
Speaker 12: Man, We're going no, no, no, not See, That's what
Speaker 12: I'm saying. It's like, I don't want to go for me.
Speaker 12: I don't want to go to a restaurant on the
Speaker 12: first date and we're sitting across the table and we're
Speaker 12: a little uncomfortable with each other, just staring at each other,
Speaker 12: eating food, having to talk loud over the people that's
Speaker 12: in the restaurant. So I want to get creative and
Speaker 12: I want to find something. What does she enjoy? What
Speaker 12: is what is I want to see her personality. I
Speaker 12: want to see Can she smile? Can she laugh? Can
Speaker 12: she have a good time? I'm always serious. We're always serious.
Speaker 12: We do this for a living. So I want to
Speaker 12: go somewhere we can actually have fun. I can see
Speaker 12: her character, I can see how she laughs, I can
Speaker 12: see if she can have fun, and let's do that.
Speaker 12: Then the second date. I'm a wined diner. But the
Speaker 12: first day, I just wanted to get to know you.
Speaker 12: I want to laugh, I want to smile. I want
Speaker 12: to see can we vibe? And then we go from there.
Speaker 12: Now we're talking about a fifty seventy five dollars a day.
Speaker 12: That's fun, that's creative. I put effort into it. I'm
Speaker 12: going to plan the whole thing out. I'll get a
Speaker 12: second date. Don't get it twisted.
Speaker 6: Let me ask you this. This is a big question
Speaker 6: that once again, not a lot of people was taught tipping.
Speaker 6: Tipping is extremely important and I was always taught, you
Speaker 6: know twenty that's like will dump, but that tipping waiters
Speaker 6: is only one part of tipping. Yeah, you tip your driver?
Speaker 6: Do you tip your the guy that takes your your
Speaker 6: trash out? Like at the end of the year, do
Speaker 6: you get like do you tip? How do you go
Speaker 6: about tipping, how do you know if it's the right
Speaker 6: amount to tip? It becomes very complicated. Like even the
Speaker 6: kid the bus drobbers for the kids, Yeah, they got
Speaker 6: to get tipped.
Speaker 3: Yeah. At Christmas time, I tip the bus line.
Speaker 6: So so yeah, what's the etiquette on tipping?
Speaker 3: Man?
Speaker 12: Tipping is very important. Tipping for me is just showing
Speaker 12: your your generosity spirit. I'm very big on being a giver.
Speaker 12: I believe it's best to give than it is to receive.
Speaker 12: So I tip. You know, I tip like crazy restaurants.
Speaker 12: I try to do my goal depending on where I
Speaker 12: go and how much money and much bread, I drops
Speaker 12: about thirty to forty percent for me, because when you tip,
Speaker 12: then every time you walk into that establishment, every time
Speaker 12: you walk into that restaurant, now they're going to take
Speaker 12: very good care of you because they know, hey, yo,
Speaker 12: Anthony just tipped me thirty percent last time, right around
Speaker 12: the holidays. I love to get about fifty percent, but
Speaker 12: bare minim, like you all said, twenty percent. That's your barber,
Speaker 12: that's your bus drivers, that's the guy who cuts your grass,
Speaker 12: that's the young lady that's watching your kids, your babysitters.
Speaker 12: You know, I have a dog, and so every time
Speaker 12: I drop her off when I'm out of town, I
Speaker 12: tip them. You know, I just want to show people that, hey,
Speaker 12: I am grateful for you taking care good care of me.
Speaker 12: And I know people who are living off of tips.
Speaker 12: Their base pay is horrible, so let's help them out.
Speaker 12: And let's that's be a good blessing. But really bare
Speaker 12: minimum twenty percent. And any time you can tip within
Speaker 12: your budget, make sure you're tipping. If you can't afford
Speaker 12: to tip, man or a woman, just don't go to
Speaker 12: that establishment.
Speaker 3: Oh man, that's some sound advice. Sound advice, man. So
Speaker 3: if you can't hold it the stake in tip people
Speaker 3: down on that dude. All right, we got a few
Speaker 3: more mens with you. We're going to do a lightning round.
Speaker 4: All right, you ready for this? How how fast? How
Speaker 4: fast you want me to go.
Speaker 3: With the answer as fast as you can? And then
Speaker 3: we're just going to ask your next one. We're gonna
Speaker 3: start the lightning around. Are you ready, my man? All right?
Speaker 3: All right, here we go. All right, here's the first
Speaker 3: question I'm throwing at you.
Speaker 2: All right, what are some options to start creating generational wealth?
Speaker 3: Man?
Speaker 4: Ownership?
Speaker 12: I mean, for me, it's going to be eliminating that.
Speaker 12: Get you a fully funded emergency funds. That way you're
Speaker 12: not going back into that and start taking advantage of
Speaker 12: like your fro one cage, your your wroth I rays,
Speaker 12: maxing out your some other growth mutual funds, and getting
Speaker 12: into some land. You know, one of my mentors said, hey,
Speaker 12: it's not just about actually buying property, it's also about
Speaker 12: buying land. So if you're looking for wealth and true
Speaker 12: wealth and long lasting wealth, purchase some land because you know, hey,
Speaker 12: we can't make no more land. We can build buildings.
Speaker 12: So if you get that land, let it sit, pass
Speaker 12: it down to your kids. Now you're talking about true
Speaker 12: generational wealth. So the key thing for me when it
Speaker 12: come to building wealth, it's about eliminating that, making sure
Speaker 12: you have a solid plan to fall on a case
Speaker 12: of emergency and start ownership.
Speaker 6: Let me ask you this, how much money is wealth?
Speaker 6: This is an interesting conversation because everybody gauges wealth differently,
Speaker 6: but you know, we all have aspirations of being wealthy,
Speaker 6: a lot of us so, but it's kind of hard
Speaker 6: to do that if you don't have a measure in stake.
Speaker 6: What is wealth?
Speaker 4: What is what is wealthy man. Wealth to me is
Speaker 4: way more than just money.
Speaker 2: Man.
Speaker 12: I'm gonna keep it above with you actual, I'm gonna
Speaker 12: keep it real since it is, it's a real deal.
Speaker 12: Wealth to me is about options. Wealth to me is
Speaker 12: about peace. Wealth to me is about education. Wealth to
Speaker 12: me is about influence. But since we are talking about
Speaker 12: money today, a simple basic understanding when it comes to wealth,
Speaker 12: how long can you last without physically working or physically
Speaker 12: having to make money. So, if you have enough money
Speaker 12: in your savings account to last a year, you're wealthy
Speaker 12: for one year from a financial perspective. But if you
Speaker 12: have the education, if you mind your business, which is
Speaker 12: our mind, you know, and your mind is your number
Speaker 12: one asset your business, if you continue to grow this,
Speaker 12: you'll be wealthy forever. If you continue to get the education,
Speaker 12: if you continue to rock out with Google pay, if
Speaker 12: you continue to watch earn your leisure and then come
Speaker 12: check me out at the table, you know, we will
Speaker 12: help you get the education and the information to build
Speaker 12: long lasting wealth. And I just want people to hear
Speaker 12: me when I say this, wealth from a financial perspective is, Hey,
Speaker 12: how long can you live without physically working and doing
Speaker 12: anything to make money. But when you really look at it, well,
Speaker 12: for generational wealth is what are you passing down to
Speaker 12: your kids, not just financially. You can give them a
Speaker 12: million dollars, but if you don't give them the education
Speaker 12: and the information and the opportunity to take that million
Speaker 12: and flip it to two three million, you're not passing
Speaker 12: them down wealth. You're just giving them opportunities that more
Speaker 12: than likely they will lose it. When there was a
Speaker 12: study that came out said the first generation makes it,
Speaker 12: the second generation maintains it, then the third generation they
Speaker 12: lose it. And why do they lose It's because they
Speaker 12: didn't have the education. They didn't have the wealth of
Speaker 12: knowledge to maintain it. So wealth is not just about money,
Speaker 12: It's all just about the education and the information.
Speaker 3: I used that quote a lot.
Speaker 2: The first generation works hard, the second generation gets to
Speaker 2: see the hard work. They add education plus experience to it.
Speaker 2: The third generation never just see the hard work, so
Speaker 2: they end up spandering money. And I'm glad you brought
Speaker 2: up the word education because my next question is coming
Speaker 2: directly from that topic.
Speaker 3: Why isn't financial literacy taught in schools? What's your thoughts? Man?
Speaker 12: You know, I'm frustrated about that because it's funny. Education
Speaker 12: is teachers how to read, write, process information, and add
Speaker 12: they're giving us this information so we can go off
Speaker 12: to school, get an education, rack.
Speaker 4: Up in debt so we can get a job.
Speaker 12: So education from a school perspective is to get a job,
Speaker 12: and a job and or business produces what income. So
Speaker 12: it bothers me that our schools are not teaching us
Speaker 12: how to be good stewards of the income that you're
Speaker 12: giving us the education to get. But we got to
Speaker 12: start changing that around. We got to start doing more
Speaker 12: stuff like this with like what Google pay is doing today,
Speaker 12: and start bringing education to the table.
Speaker 6: Let me gonna ask you this as far as for
Speaker 6: parents allow I never had an allowance growing up. So
Speaker 6: how do you feel about allowance? How do you feel
Speaker 6: about chores? Should should children get paid for things that
Speaker 6: they should already be doing, like making up their bed?
Speaker 6: Is allowance a hindrance? Is chores good?
Speaker 3: Bad?
Speaker 6: What's your thoughts on that?
Speaker 12: You know, bro Man, I grew up in a very strong,
Speaker 12: strong home man in a very spiritual home right, and
Speaker 12: my mom and dad said, I remember going over to
Speaker 12: my best friend's house and his Dad paid them twenty
Speaker 12: dollars for keeping his room cleaned all week. So I
Speaker 12: came home and I said, Mom and Dad, where's my
Speaker 12: twenty dollars? My mom and dad said for what it
Speaker 12: was like because I made up my bed all week,
Speaker 12: and said, I'm not going to pay you for what
Speaker 12: you need to be doing and what you should be doing.
Speaker 12: But what I will do, go out there and cut
Speaker 12: the grass. I'll pay you.
Speaker 4: As a matter of fact.
Speaker 12: Go out there, get the lawnmower, go across the street
Speaker 12: and ask your neighbor can you cut their grass? And
Speaker 12: you'll get paid. I think we got to start teaching
Speaker 12: our young people, you know, commission base rather than chore base.
Speaker 12: You know, what they do inside the house, that's just
Speaker 12: part of them because the world's not going to pay
Speaker 12: them for making up their bed when they turn twenty
Speaker 12: five years old. The world's not going to pay them
Speaker 12: for washing their own dishes. So we got to start
Speaker 12: raising up our child, our children in the way that
Speaker 12: they should go. So I'm commission based. Hey son, hey daughter,
Speaker 12: I'm not going to pay to do this around here,
Speaker 12: because I'm teaching you how to be an adult when
Speaker 12: you get older, when you get your own home. But
Speaker 12: let me teach you how to be a young teen entrepreneur.
Speaker 12: Let's go get you a dog walking business. Let's go
Speaker 12: get you a cutting grass business. Hey, you know what
Speaker 12: you're real good at hair, Let's go get you a
Speaker 12: hair business at fifteen years old. Let's start teaching our
Speaker 12: young people that money doesn't grow on trees, and it
Speaker 12: doesn't You don't get money just because you're my child. Now,
Speaker 12: you do have privileges, and I will give you some
Speaker 12: of those privileges, but I'm not going to make your
Speaker 12: life easy simply because you're my child. You're going to
Speaker 12: work for it because your mom and dad had to
Speaker 12: work for it.
Speaker 6: That's very profound. I had just spoke about this all
Speaker 6: the day, and I feel like that definitely can hurt
Speaker 6: a child. And when I used to love when it
Speaker 6: snowed because I used to shuffle my neighbors cars out.
Speaker 6: And you make a couple hundred dollars on a good
Speaker 6: on a good day, and I feel like stuff like
Speaker 6: that you start developing an entrepreneurial mindset as opposed to
Speaker 6: just being handed things that, like you said, in the
Speaker 6: grand Scheme of things, are kind of like trivial things
Speaker 6: that you already have to do in life anyway, like
Speaker 6: wash the dishes, things of that nature. Yeah, so now
Speaker 6: you're already kind of developing a dependent employee mindset as
Speaker 6: opposed to a business own an entrepreneur mindset. So sometimes
Speaker 6: when we think we're actually helping people, we can actually
Speaker 6: be hurting them.
Speaker 4: Absolutely absolutely.
Speaker 12: You know one of my kids that I mentored, he
Speaker 12: made five thousand dollars last summer just from walking dogs.
Speaker 4: Just from walking dogs.
Speaker 12: He made enough money in one summer to go buy
Speaker 12: his dream car for his age, just simply because he said, Hey, you.
Speaker 4: Know what, I'm gonna go out here and walk dogs.
Speaker 12: And some of those people who are saying you can welcome,
Speaker 12: they said, hey, can you watch my dog over the
Speaker 12: weekend since we're going out of town. His mom and
Speaker 12: dad turned their backyard into a kennel. But we got
Speaker 12: to start teaching our young people at a young age
Speaker 12: how to be entrepreneurs, how to think about ownership, so
Speaker 12: this way they can start producing money.
Speaker 4: And I think we got to start doing that with
Speaker 4: our young people.
Speaker 3: That's a great example.
Speaker 2: I'm glad that you that you used that right because
Speaker 2: you said he saved the money to buy the card
Speaker 2: that you want it. So what are some strategies What
Speaker 2: can you do to save money when you don't make
Speaker 2: much money?
Speaker 4: Number one, go make more money. You know what I mean.
Speaker 4: Let's be real.
Speaker 12: You know, it's like, let's never say that we cannot
Speaker 12: make any more money.
Speaker 4: We can make money.
Speaker 12: But one of the key things that I'm very very
Speaker 12: big on is two things, budgeting and Google pay. I
Speaker 12: want you to get on a straight, solid, zero based budget.
Speaker 12: You can list all your money, list all of your expenses,
Speaker 12: and it's your equals zero. When you're at your expenses,
Speaker 12: go over to Google pay. Look at all of your
Speaker 12: money that you've actually been spending. When it comes to
Speaker 12: your debit card if you got a credit card, you know,
Speaker 12: look at all the ways you're spending money. And so
Speaker 12: that way you can see, okay, hey, where can I
Speaker 12: cut off at? You know, I'm spending too much money
Speaker 12: on food, I'm spending too much money on you know,
Speaker 12: these particular apps. So how you can save money is
Speaker 12: by looking at your detailed budget and see where where
Speaker 12: can you eliminate some things from I do that often,
Speaker 12: and I do it at least once a quarter person
Speaker 12: with myself, really look at your budget.
Speaker 4: You can go from there.
Speaker 6: Let me ask you this before we rat. Everybody talks
Speaker 6: about generational wealth all the time. It's a very catchy phrase.
Speaker 6: But what are some practical steps that the average person
Speaker 6: can take to start the path of creating generational wealth?
Speaker 4: Man? I think the first thing is education.
Speaker 3: Man.
Speaker 12: You know, I think oftentimes you want to jump in like, hey,
Speaker 12: how do I get more money? How do I flip
Speaker 12: this money? But the key thing is where there is
Speaker 12: no wisdom, where there is no knowledge, that's where people perish.
Speaker 12: And so I think that if we can honestly get
Speaker 12: the if you really want to build true generational wealth,
Speaker 12: you got to start, you know, listening to podcasts. You
Speaker 12: got to start getting the education, reading the books. So
Speaker 12: that way, when you do get the opportunity to start,
Speaker 12: you know, investing into certain things, start a business, you
Speaker 12: have the education and knowledge to keep what you actually are.
Speaker 4: Able to get.
Speaker 12: So I think number one is get the education. Number
Speaker 12: two is I'm very big on it, y'all know me.
Speaker 12: You got to eliminate that. You got to take debt
Speaker 12: off of the table, so that way you're moving forward
Speaker 12: not paying for your past. And when you start doing that,
Speaker 12: A prime thing man is start investing, take advantage of
Speaker 12: you know, your four to one k matches if they have,
Speaker 12: you know, a wroth. There's three things when it comes
Speaker 12: like to four one k. I always say, look at
Speaker 12: the match, first, look at the wrath, then look at
Speaker 12: the traditional you know, so max that out. I always
Speaker 12: say to invest fifteen percent of your income you know,
Speaker 12: so that can either go to your four one k,
Speaker 12: then go over to like a wrath of wroth ira
Speaker 12: or traditional ira, depending on where you are. You can
Speaker 12: do that and then start looking at ownership, businesses, land
Speaker 12: that kind of stuff. But the key thing I want
Speaker 12: to tell you upfront is get the education. Get the information.
Speaker 12: Because you can be watching er your leader, you can
Speaker 12: watch myself, you can watch professor Keys, you can have
Speaker 12: Google pay app and see where you're doing. But if
Speaker 12: you don't have the information and the knowledge and continuing
Speaker 12: to grow your business, which is your mind, your number
Speaker 12: one asset, you'll never get there because you don't have
Speaker 12: the information to get there.
Speaker 6: All for words, allords, did you have, ladies and gentlemen,
Speaker 6: I appreciate it. Words of wisdom from the Great Anthony O'Neil.
Speaker 6: We call that cough talk, thank you, thank you, And
Speaker 6: like you said, it comes down to education. And I
Speaker 6: think that you know, we're in the age now where
Speaker 6: you can't really make an excuse, not like you know previously,
Speaker 6: you know you could make an excuse for not knowing,
Speaker 6: but now you know, we're in the information age where
Speaker 6: everything is readily available to you on you know, YouTube, Google,
Speaker 6: social media apps, podcast apps. It's just a matter of
Speaker 6: how you use it. You can use to waste time
Speaker 6: and do a lot of frivolous nonsense, or you can
Speaker 6: use it to educate yourself. So you know, we just
Speaker 6: have to make the right decisions. And you'd be surprised
Speaker 6: how many doors education can actually open. It kind of
Speaker 6: sounds stable, it's true. The more you know, it's just
Speaker 6: like it's like mind blowing, you know what opportunities present itself,
Speaker 6: because it's opportunities in front of you right now, but
Speaker 6: you're just not able to take advantage of it because
Speaker 6: you're not educated, so you don't even realize the opportunities
Speaker 6: actually there.
Speaker 3: The more you know, the more you know, that is
Speaker 3: a fact.
Speaker 6: That is a fat fact.
Speaker 2: Yeah yeah, And there was a lot of actual items
Speaker 2: giving out today.
Speaker 3: I want to again thank Professor Keys Keysier Williams and
Speaker 3: Anthony on Neil, but just delivering some powerful insight.
Speaker 2: And as we always say, man, we can give you
Speaker 2: the information, but don't turn it into information overtle, don't
Speaker 2: hoard it, actually.
Speaker 3: Apply it and execute on information. Right.
Speaker 2: We always say information is on us, executions on you,
Speaker 2: and those words live true today and I want to
Speaker 2: thank them again for come along.
Speaker 3: I appreciate you.
Speaker 6: Yeah, I feel like today was a very important day
Speaker 6: because we always talk about a lot of complex stuff
Speaker 6: like you know, stock marketing options and things that nature.
Speaker 6: But these are like regular everyday issues, topics that get
Speaker 6: looked over a lot, but they're extremely important. And you
Speaker 6: can't build the house but not a solid foundation. So
Speaker 6: all of this stuff is solid foundation work. So it's
Speaker 6: extremely extremely important that we cover it.
Speaker 2: So yeah, and again I'm glad we got to do
Speaker 2: it with Google pay because that is one of those
Speaker 2: tools that can absolutely help you. And I know that's
Speaker 2: one of the things that we work on ourselves, is
Speaker 2: like being more organized, and so having all your financial
Speaker 2: uh portfolio right in front of you and having it
Speaker 2: done in a very helpful and simple way is extremely beneficial.
Speaker 3: Yeah, I want to thanks Google Pay for sponsoring this
Speaker 3: episode of Anglesha. This is really fun, man. We gotta
Speaker 3: do this again.
Speaker 6: For sure, for sure. Thank you guys for rocking with us.
Speaker 6: We'll see you next week.
Speaker 5: Piece my graduates from my school being forced back drop
Speaker 5: drop drop.
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