WEBVTT - Replay* You Have a Fraud Alert

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<v Speaker 1>That's what's up.

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<v Speaker 2>Family. It's your girl Tamika D.

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<v Speaker 3>Mallory and it's your boy Mike Son, a general, and

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<v Speaker 3>we are.

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<v Speaker 2>Your hosts of street politicians.

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<v Speaker 3>The place place where the streets and politics meet.

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<v Speaker 2>What's going on?

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<v Speaker 3>Happy New Year, my son, Happy New Year, twenty twenty

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<v Speaker 3>two is upon us.

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<v Speaker 1>I'm feeling great.

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<v Speaker 3>I've already spoke this best number one podcast into existence.

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<v Speaker 3>We're gonna have so much money. We're gonna have so

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<v Speaker 3>much wealth. We're gonna have so much success, so much justice.

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<v Speaker 3>We're gonna get justice. We're gonna get everything we're looking

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<v Speaker 3>for in twenty twenty two.

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<v Speaker 4>You know, we ended last year twenty twenty one with significant.

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<v Speaker 2>A criminal justice wins. Right, that's not wins for our community.

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<v Speaker 2>You know, you got to cut the trolls.

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<v Speaker 4>Can't wait what wins wins means they'll stop killing us.

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<v Speaker 2>That's what we're fighting for. We ultimately want not to

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<v Speaker 2>be killed. But when we think about the steps that

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<v Speaker 2>it will take to get us to a place where

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<v Speaker 2>people know, if I shoot harm, violate the civil rights,

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<v Speaker 2>the human rights of a black, brown or any other person,

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<v Speaker 2>I'm going to have to face the system. And it's

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<v Speaker 2>possible that a jury and particularly juries with white women,

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<v Speaker 2>we got we gotta talk about it because the last

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<v Speaker 2>few juries have been full of white women that not

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<v Speaker 2>all white women, but many white women have been dominating

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<v Speaker 2>these juries. Have been finding police officers and other vigilantes responsible,

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<v Speaker 2>criminals responsible for the murder and the trauma and the

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<v Speaker 2>violations that they've caused on young black men and black

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<v Speaker 2>men in general.

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<v Speaker 4>And I think that, you know, that's a good sign

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<v Speaker 4>for how we enter twenty twenty two. That we continue

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<v Speaker 4>to fight in the courts, but even outside of the courts,

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<v Speaker 4>there's a cultural fight that's ahead of us, and I

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<v Speaker 4>think we have a responsibility to stay.

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<v Speaker 2>On the ground.

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<v Speaker 4>In every one of the cases that we have one,

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<v Speaker 4>so to speak, there were movements that existed on the ground.

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<v Speaker 4>There were people involved, there were protests, there was awareness,

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<v Speaker 4>there was communities speaking out parents that work very closely

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<v Speaker 4>with some of our stellar civil rights attorneys so that

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<v Speaker 4>they could go and help to inform the district attorneys,

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<v Speaker 4>right because you know, it's always important for us to

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<v Speaker 4>make that separation. The district attorneys have been fighting the cases,

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<v Speaker 4>but they do at times listen to the feedback of

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<v Speaker 4>the family civil attorneys who are giving them strategy. These

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<v Speaker 4>things are happening, and I think that to your point,

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<v Speaker 4>we're gonna work this year to ensure that we continue

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<v Speaker 4>to get justice in those places, while it's a small

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<v Speaker 4>form of justice, but that we also set the precedent,

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<v Speaker 4>set the tone across this country that if you kill,

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<v Speaker 4>you harm, you brutalize, you violate our rights, that you

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<v Speaker 4>will be found guilty of a crime and have to

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<v Speaker 4>face actual jail time for you know, for your actions.

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<v Speaker 1>It's right, you know, that's that's the always the goal.

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<v Speaker 3>Like you said, it's not justice and totality, you know,

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<v Speaker 3>but there is periods and there are pieces of justice

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<v Speaker 3>that we need to add to the puzzle, you know,

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<v Speaker 3>And a lot of people want to.

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<v Speaker 1>Discredit the work that's.

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<v Speaker 3>Being done because they don't understand the full process, or

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<v Speaker 3>because they just want to have something to say.

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<v Speaker 1>But you know, being on the front lines in this movement.

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<v Speaker 3>And actually seeing what it takes to get even those

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<v Speaker 3>small pieces of justice, man, and just understand what it's

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<v Speaker 3>gonna take for us to act actually get the level

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<v Speaker 3>of justice and equity that we deserve and you are

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<v Speaker 3>entitled to in this country. We understand the work, the

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<v Speaker 3>work that we're gonna need to do. We're not even

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<v Speaker 3>going to see it in our lifetime, but we're just

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<v Speaker 3>going to contribute to it and continue to fight.

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<v Speaker 1>Man.

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<v Speaker 3>So I want to say thank you to everybody who's

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<v Speaker 3>been a part of it, those small grassroots organizations, those

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<v Speaker 3>who made phone calls, those who donated to organizations, those

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<v Speaker 3>who set in front of these courthouses, those who family

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<v Speaker 3>members who despite all the trauma and pain they went through,

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<v Speaker 3>they got up every day and they fought on behalf

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<v Speaker 3>of their family members. And they still fight, and they

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<v Speaker 3>still cry, and they still deal with the trauma even

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<v Speaker 3>after the cases are gone, after the cameras have disappeared,

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<v Speaker 3>after everyone has gone off, after the verdict has been delivered.

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<v Speaker 3>Even though there's been guilty verdicts, there have been people

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<v Speaker 3>who've lost loved ones. So we just want to say

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<v Speaker 3>thank you for all of the pain that you've endured

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<v Speaker 3>so that justice can be served, even the smallest, smallest

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<v Speaker 3>minute way.

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<v Speaker 1>And you know that we will continue to do our part.

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<v Speaker 4>And I'm not sure that George Floyd's family, Dante Right,

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<v Speaker 4>Ahmad Aubrey, and even Julius Jones, which was different because

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<v Speaker 4>Julius Jones needs to be at home with his family,

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<v Speaker 4>but he was removed from death row and his life

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<v Speaker 4>was spared with hours left.

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<v Speaker 2>Before his before they would have executed him. And that

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<v Speaker 2>was because of a grass room's movement. And to your point,

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<v Speaker 2>Terrence Crutcher, who was also killed by the police, his

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<v Speaker 2>sister Tiffany Crutcher, was out there while holding her own pain,

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<v Speaker 2>she was out there as one of the leaders fighting

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<v Speaker 2>for Julius Jones' life. And there are so.

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<v Speaker 4>Many people who have gone from advocate who from survivors

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<v Speaker 4>if you will, you know, some of us say victims,

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<v Speaker 4>but they are they're really truly survivors and have turned

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<v Speaker 4>that into becoming warriors within this movement. And I'm not

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<v Speaker 4>sure that they would say it's minute. I think we

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<v Speaker 4>have conditioned ourselves because we understand the larger context of

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<v Speaker 4>the movement, right, and so since we know that justice

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<v Speaker 4>is so much bigger, we condition ourselves to.

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<v Speaker 2>Minimize it so that.

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<v Speaker 4>We don't have to fight with folks who want to say, oh,

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<v Speaker 4>y'all didn't do anything, because he should have got fifty years,

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<v Speaker 4>and now you know you didn't do anything, because all

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<v Speaker 4>of them should be guilty but it's not minute because

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<v Speaker 4>the work that went into standing with Wanda Cooper and

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<v Speaker 4>Lee Merit, and also the work that Sean King did

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<v Speaker 4>you know for Ahmad Rby and the protests that we

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<v Speaker 4>went out for, and the people like you said, Queenya

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<v Speaker 4>Nostah in Atlanta, Gerald Griggs, the local NAACP there in

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<v Speaker 4>that part of Georgia, they worked hard. We supported them,

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<v Speaker 4>but we were actually living in Kentucky fighting for Breonna Taylor,

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<v Speaker 4>and we still took our time to support and stand

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<v Speaker 4>with Wanda Cooper and the family of Amaud Rvey. So

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<v Speaker 4>you had that movement happening that kept attention on them

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<v Speaker 4>every single day. Then you turn around and you look

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<v Speaker 4>at you know, what was done even with Dante Wright.

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<v Speaker 2>Yeah, totally, you know. And by the way, Dante Wright's

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<v Speaker 2>situation moved fast from the day that he was killed

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<v Speaker 2>until there was a conviction. It was very clear in

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<v Speaker 2>the state of Minnesota that people were not going to

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<v Speaker 2>sit back and allow them to slip back with justice

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<v Speaker 2>because there was all ready a conviction on George Floyd.

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<v Speaker 2>And I think what some folks may not understand, they

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<v Speaker 2>may not be aware of how much work went into

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<v Speaker 2>electing Keith Ellison, who is the attorney general. They're in Minnesota.

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<v Speaker 2>I don't think people understand how much work and what

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<v Speaker 2>the battle was to get him elected so that he

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<v Speaker 2>can fight for real and.

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<v Speaker 4>True justice in that state. There is so much more

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<v Speaker 4>work to be done, but it's not minute. You think

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<v Speaker 4>about Brionna Taylor. Yeah, the trying to get actual convictions

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<v Speaker 4>and to get people arrested in charged. It's an uphill battle.

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<v Speaker 4>We hope that the FEDS will come in and file

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<v Speaker 4>federal charges against the officers, particularly the four officers, but

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<v Speaker 4>even more folks than that were involved in murdering Breonna Taylor.

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<v Speaker 4>But yet those officers have been removed from the force.

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<v Speaker 4>For us, While it is not the end all be all,

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<v Speaker 4>it is significant that they have been disgraced and sent

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<v Speaker 4>home from their jobs. Now we have to fight to

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<v Speaker 4>make sure that we get actual legislation put in place

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<v Speaker 4>that monitors them so that they cannot just go get

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<v Speaker 4>another job in a different city and commit the same crimes.

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<v Speaker 4>So to your point, there is a lot of work

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<v Speaker 4>to be done. There's an incredible amount of work to

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<v Speaker 4>be done. But I refuse not to appreciate all the

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<v Speaker 4>people who have work to do what has happened within

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<v Speaker 4>the year of twenty twenty one that we hope to

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<v Speaker 4>keep into twenty twenty two.

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<v Speaker 3>You're right, you know, I apologize, do you know it's

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<v Speaker 3>to apologize?

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<v Speaker 2>It's no when I get it, it's not.

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<v Speaker 3>Because it's not just our work, right, it's other people

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<v Speaker 3>who are out there working, and as I applaud them,

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<v Speaker 3>you know, I don't want to minimize, you know, the

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<v Speaker 3>losses of people who actually were invested in this work,

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<v Speaker 3>because a lot of people lost sleep, they gained trauma,

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<v Speaker 3>they lost money, they lost family, they lost so many

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<v Speaker 3>different things in this fight for justice. So it's beneath

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<v Speaker 3>me to even try to minimize with people lost in this.

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<v Speaker 3>But I do want us to understand that there's so

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<v Speaker 3>much to go.

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<v Speaker 1>We still have a lot to fight for.

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<v Speaker 3>But those victories that we did get, they weren't they're

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<v Speaker 3>not minute, they're definitely major victories, you know, So continue

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<v Speaker 3>to fight with that and knowing that you have gained

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<v Speaker 3>victories when we still got a lot to go.

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<v Speaker 2>And so that brings me to my thought of the day. Now.

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<v Speaker 2>You know, I've been really on vacation.

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<v Speaker 4>I literally have done absolutely nothing and for you and

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<v Speaker 4>other people who called me.

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<v Speaker 2>I've been sitting in a dark room relaxing for the

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<v Speaker 2>entire holiday, with the exception of moving around a little

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<v Speaker 2>bit here and there. Number One, I ain't trying to

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<v Speaker 2>get the COVID. Number two, I just needed a break

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<v Speaker 2>and I really needed to get focused. So, you know,

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<v Speaker 2>TV was a thing, like I was watching shows. First

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<v Speaker 2>of all, we start the holiday with Insecure going off

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<v Speaker 2>the air, so their last show. I haven't even watched

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<v Speaker 2>it because I'm like heartbroken and I know a little

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<v Speaker 2>bit about what happened, because social media is such a spoiler,

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<v Speaker 2>like they just tell you everything, but you know that's gone.

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<v Speaker 2>Then the other day I was watching TV.

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<v Speaker 4>I was really excited about Blackish and I learned that

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<v Speaker 4>it was their last episode as well. I'm just trying

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<v Speaker 4>to figure out, what in the heck is happening. Is

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<v Speaker 4>it the ratings? Are we not watching the shows?

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<v Speaker 2>You know? What is the issue? Is it advertising? What

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<v Speaker 2>are we going to do to keep content on TV

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<v Speaker 2>that helps to show us in not just a positive light,

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<v Speaker 2>but in our true form. I have no issue with.

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<v Speaker 4>Fifty cent and his uh, you know, his portfolio, because

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<v Speaker 4>we all like a little crime and Hustler's TV every

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<v Speaker 4>every if you say entertainment, whatever, right, we all we

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<v Speaker 4>all like that.

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<v Speaker 2>By the way, it's every other.

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<v Speaker 4>Culture has the same, So we're not gonna see him

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<v Speaker 4>act like that. White folks are not killing each other

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<v Speaker 4>and shooting up and everything on TV.

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<v Speaker 2>The Asian community there and everybody has entertainment. To your point,

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<v Speaker 2>that's criminal through a criminal lens. Lets me say it's

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<v Speaker 2>like that.

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<v Speaker 4>But the fundamentals of their every day for their children

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<v Speaker 4>is not just focusing on power and BMF and things

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<v Speaker 4>like that. They also have Grays and Gnat, they have

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<v Speaker 4>I don't know you name the shows right they I

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<v Speaker 4>don't even know them, but I know that they have

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<v Speaker 4>a bunch of shows that shows sort of a myriad if.

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<v Speaker 2>You will, of images to their young people. You turn

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<v Speaker 2>on the TV for us and we're losing everything. And

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<v Speaker 2>Blackish was such an important show since we had the

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<v Speaker 2>Cosby Show, then you have Blackish. I don't know, maybe

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<v Speaker 2>there was something in between, but to lose Blackish and

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<v Speaker 2>I'm gonna literally call both Tracy Ellis and Anthony Anderson

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<v Speaker 2>and ask why is it that they were ready to

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<v Speaker 2>move on with their careers? Like I just don't get it.

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<v Speaker 2>I'm really trying to understand how we keep content that

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<v Speaker 2>is for your children and my niece and other kids

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<v Speaker 2>that are growing up.

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<v Speaker 3>I mean, we got to continue to create it. Man,

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<v Speaker 3>we have lean away. If we have so many different

0:13:53.120 --> 0:13:58.160
<v Speaker 3>black producers and you know that understand the need, you know,

0:13:58.600 --> 0:14:02.240
<v Speaker 3>maybe maybe I think what happens it becomes hard to

0:14:02.280 --> 0:14:05.480
<v Speaker 3>create content right after a certain amount of seasons, or

0:14:05.520 --> 0:14:06.760
<v Speaker 3>maybe the ratings.

0:14:06.760 --> 0:14:07.160
<v Speaker 1>I don't know.

0:14:07.640 --> 0:14:10.800
<v Speaker 3>I can't really imagine that black Ish not having good ratings,

0:14:10.800 --> 0:14:13.960
<v Speaker 3>but TV in itself, the ratings for TV and itself

0:14:14.000 --> 0:14:17.080
<v Speaker 3>has been going low. But I do believe that Blackish

0:14:17.160 --> 0:14:20.360
<v Speaker 3>was definitely something that was needed in our community. Was

0:14:20.400 --> 0:14:23.000
<v Speaker 3>something that you look to. You know, it showed us

0:14:23.040 --> 0:14:25.640
<v Speaker 3>in a very positive light. It showed us in so

0:14:25.760 --> 0:14:31.960
<v Speaker 3>many different real life situations that happened in black homes

0:14:32.320 --> 0:14:35.760
<v Speaker 3>right in right, whether it's just black homes that come

0:14:35.800 --> 0:14:38.400
<v Speaker 3>from wealth or just poor. It was just those same

0:14:39.000 --> 0:14:42.880
<v Speaker 3>understandings of just black culture that they talked about was

0:14:42.920 --> 0:14:45.560
<v Speaker 3>something that really happened in most homes that people can

0:14:45.640 --> 0:14:48.360
<v Speaker 3>identify with, right and then it gave you something to

0:14:48.400 --> 0:14:50.840
<v Speaker 3>reach for, to have a mother and father that was

0:14:50.840 --> 0:14:53.520
<v Speaker 3>that successful right to be a mother and father that

0:14:53.640 --> 0:14:57.000
<v Speaker 3>was that successful. So it was so it represented so

0:14:57.120 --> 0:15:00.520
<v Speaker 3>many different things for our culture. And I just I

0:15:00.600 --> 0:15:04.960
<v Speaker 3>hope that we have the next production right in the hostel,

0:15:05.080 --> 0:15:06.800
<v Speaker 3>right like in the pipeline.

0:15:06.840 --> 0:15:10.120
<v Speaker 4>And now I think we have grown Ish and which

0:15:10.160 --> 0:15:12.760
<v Speaker 4>i'm Yaa Shahiti is. I think she's one of the

0:15:12.800 --> 0:15:16.080
<v Speaker 4>executive producers and she's also on the show. We have

0:15:16.200 --> 0:15:19.840
<v Speaker 4>to support these folks like we have to. I know,

0:15:19.880 --> 0:15:23.000
<v Speaker 4>we think people are watching, they must have good ratings,

0:15:23.120 --> 0:15:26.760
<v Speaker 4>but actually they don't. They don't have the type of

0:15:26.880 --> 0:15:32.640
<v Speaker 4>ratings that's necessary to generate consistent advertising dollars. And that's

0:15:32.680 --> 0:15:36.080
<v Speaker 4>the problem. You have to actually have millions of people

0:15:36.200 --> 0:15:39.600
<v Speaker 4>watching your show in order to make sure that you

0:15:39.640 --> 0:15:42.600
<v Speaker 4>can get those ad dollars, or you get pushed to

0:15:42.760 --> 0:15:45.920
<v Speaker 4>some cable networks, and then when you're on those networks,

0:15:45.960 --> 0:15:49.240
<v Speaker 4>not everyone can see it because not everyone has cable.

0:15:49.640 --> 0:15:53.600
<v Speaker 4>So it's like a tricky thing of trying to figure

0:15:53.600 --> 0:15:56.840
<v Speaker 4>out how do we keep content out there that's forward

0:15:56.840 --> 0:15:59.680
<v Speaker 4>facing for our young people to be able to your point,

0:15:59.800 --> 0:16:05.720
<v Speaker 4>it's not that not even just young right, even young adults. Right, Listen,

0:16:05.720 --> 0:16:09.200
<v Speaker 4>we got kids and we need shows like Blackish, Grownish

0:16:09.200 --> 0:16:11.840
<v Speaker 4>and other things for them. But I'm just thinking of

0:16:11.960 --> 0:16:15.880
<v Speaker 4>when you talk about Insecure, this is for young adults.

0:16:16.240 --> 0:16:20.200
<v Speaker 4>You have a situation where Issa, when the show originally

0:16:20.240 --> 0:16:23.160
<v Speaker 4>comes on, she has no job. She hustling trying to

0:16:23.160 --> 0:16:26.200
<v Speaker 4>figure it out. It gives you a depiction of what

0:16:26.280 --> 0:16:29.000
<v Speaker 4>it's like when people are like, you know, sleeping with

0:16:29.080 --> 0:16:31.240
<v Speaker 4>this person and you fall in love and then you

0:16:31.280 --> 0:16:33.160
<v Speaker 4>get your heart broke, how you get out of it,

0:16:33.400 --> 0:16:36.280
<v Speaker 4>what your girlfriends can do to support you, how your

0:16:36.320 --> 0:16:40.880
<v Speaker 4>girlfriends can tear you down, The different types of personalities,

0:16:41.120 --> 0:16:43.760
<v Speaker 4>people who are you know they are.

0:16:44.320 --> 0:16:45.760
<v Speaker 2>What do you call it? Plus size?

0:16:46.080 --> 0:16:49.400
<v Speaker 4>Other people like It's so many different things that when

0:16:49.440 --> 0:16:52.520
<v Speaker 4>you're sitting there watching these shows. I remember when I

0:16:52.640 --> 0:16:55.560
<v Speaker 4>used to watch a Different World, the Cosy showing other

0:16:55.640 --> 0:16:58.480
<v Speaker 4>things I saw like, okay, I could do that and

0:16:58.520 --> 0:16:59.440
<v Speaker 4>take a little bit of this.

0:16:59.560 --> 0:17:01.280
<v Speaker 2>I like them, little bit of whit Lee, I like

0:17:01.360 --> 0:17:04.320
<v Speaker 2>a little bit of you know this person that like

0:17:04.880 --> 0:17:07.960
<v Speaker 2>what in the hell we like? You said, there has

0:17:08.040 --> 0:17:11.959
<v Speaker 2>to be a consistent pipeline because while we love Tyler Perry,

0:17:12.320 --> 0:17:16.360
<v Speaker 2>while we love fifty cent and all of these shows,

0:17:16.840 --> 0:17:21.600
<v Speaker 2>that's not exactly what we're talking about those things are entertainment,

0:17:21.720 --> 0:17:26.320
<v Speaker 2>but though just a regular family and or people who

0:17:26.359 --> 0:17:29.560
<v Speaker 2>are existing every day working through life and they're not

0:17:29.720 --> 0:17:34.080
<v Speaker 2>so much stereotypical. We need that. We need that. So

0:17:34.560 --> 0:17:37.240
<v Speaker 2>that's my thought of the day. Bring it back.

0:17:37.960 --> 0:17:39.280
<v Speaker 1>It's definitely a good thought. Man.

0:17:39.320 --> 0:17:42.680
<v Speaker 3>We need y'all producers, Black producers get out there and

0:17:42.760 --> 0:17:45.800
<v Speaker 3>make us these shows that show us in highlight and

0:17:45.920 --> 0:17:48.639
<v Speaker 3>give us that energy, to give us that will to

0:17:49.480 --> 0:17:51.720
<v Speaker 3>you know, to aspire to be more. We're looking forward

0:17:51.760 --> 0:17:53.960
<v Speaker 3>to that, man, make sure y'all do it. So usually

0:17:54.000 --> 0:17:56.159
<v Speaker 3>at this time we would have our resident brand expert,

0:17:56.200 --> 0:17:59.119
<v Speaker 3>LaToya Baun with our small Business of the Week, but

0:17:59.200 --> 0:18:02.000
<v Speaker 3>we're not going to do that this week. But next

0:18:02.040 --> 0:18:04.840
<v Speaker 3>week we're going to look back at all of the

0:18:04.880 --> 0:18:08.439
<v Speaker 3>small business that we've showcased throughout the last year and

0:18:08.480 --> 0:18:11.440
<v Speaker 3>we're going to add a couple more. We definitely need

0:18:11.440 --> 0:18:13.840
<v Speaker 3>you to tune in and make sure that you give

0:18:13.920 --> 0:18:15.960
<v Speaker 3>us your small business. Make sure that you are a

0:18:15.960 --> 0:18:19.680
<v Speaker 3>small business that have a real business. Make sure you're

0:18:19.680 --> 0:18:21.919
<v Speaker 3>a real business, because we want to showcase and we

0:18:21.960 --> 0:18:24.439
<v Speaker 3>want to be able to give you opportunity to promote

0:18:24.600 --> 0:18:27.560
<v Speaker 3>your services or your product on our platform.

0:18:29.160 --> 0:18:30.200
<v Speaker 1>That's how we all need.

0:18:31.359 --> 0:18:35.160
<v Speaker 4>So the term knowing your status has generally been used

0:18:35.200 --> 0:18:38.880
<v Speaker 4>to talk about your status for your health, to talk

0:18:38.920 --> 0:18:41.679
<v Speaker 4>about whether or not you know if you're HIV positive

0:18:41.880 --> 0:18:45.399
<v Speaker 4>or carrying some other type of disease. And of course,

0:18:45.480 --> 0:18:48.920
<v Speaker 4>now that we're in the time of COVID, knowing your

0:18:48.960 --> 0:18:51.480
<v Speaker 4>status has a lot to do with being tested to

0:18:51.520 --> 0:18:55.159
<v Speaker 4>see whether you're positive or not. But knowing your status

0:18:55.200 --> 0:18:57.560
<v Speaker 4>means a lot of things, and it should for us,

0:18:57.640 --> 0:19:02.560
<v Speaker 4>particularly black folks in this world and specifically in America,

0:19:02.680 --> 0:19:06.760
<v Speaker 4>it should mean knowing what's happening with our credit, checking

0:19:06.800 --> 0:19:10.080
<v Speaker 4>our records, and knowing what's happening with our name, our

0:19:10.119 --> 0:19:13.560
<v Speaker 4>social security numbers. And oftentimes we don't like to see

0:19:13.600 --> 0:19:15.120
<v Speaker 4>things that are not right in.

0:19:15.000 --> 0:19:16.200
<v Speaker 2>Front of our faces.

0:19:16.480 --> 0:19:18.800
<v Speaker 4>We don't want to deal with it, we don't want

0:19:18.840 --> 0:19:21.080
<v Speaker 4>the stress, and we certainly don't want to have to

0:19:21.119 --> 0:19:23.840
<v Speaker 4>do the work of repairing the credit that we may

0:19:23.880 --> 0:19:27.679
<v Speaker 4>have ruined from when we were younger. But you know,

0:19:27.840 --> 0:19:31.080
<v Speaker 4>fraud is a thing, and we're actually doing a show here.

0:19:31.119 --> 0:19:34.439
<v Speaker 4>We are the first week coming back from the holidays,

0:19:34.440 --> 0:19:38.040
<v Speaker 4>where so many people have spent money. Maybe you haven't

0:19:38.080 --> 0:19:40.720
<v Speaker 4>checked your bank account. Maybe you haven't checked your credit

0:19:40.720 --> 0:19:44.480
<v Speaker 4>card statements, but fraud was a real thing going into

0:19:44.520 --> 0:19:47.240
<v Speaker 4>the holidays and it still is. And so we're talking

0:19:47.320 --> 0:19:51.840
<v Speaker 4>with some folks today who are real professional experts on

0:19:51.960 --> 0:19:55.679
<v Speaker 4>how to address your credit and also how to be

0:19:56.240 --> 0:19:59.240
<v Speaker 4>to ensure that you are not a victim of fraud.

0:20:00.119 --> 0:20:04.840
<v Speaker 4>First guest is Shiwana King. She is a credit repair expert,

0:20:05.240 --> 0:20:09.880
<v Speaker 4>the author of a book called Swipe, a motivational speaker,

0:20:10.240 --> 0:20:13.760
<v Speaker 4>and she was just featured on the VH one series

0:20:13.960 --> 0:20:17.480
<v Speaker 4>My True Crime Story. She's also a friend to street

0:20:17.560 --> 0:20:21.160
<v Speaker 4>politicians and we're happy to have you with us today. Shwana,

0:20:21.200 --> 0:20:22.800
<v Speaker 4>you got to put us on and tell us what

0:20:22.920 --> 0:20:23.480
<v Speaker 4>we don't know.

0:20:24.560 --> 0:20:26.960
<v Speaker 5>Thank you so much for having me. I'm so excited

0:20:27.000 --> 0:20:30.680
<v Speaker 5>to be here. Thank you, my son, thank you everyone.

0:20:30.840 --> 0:20:34.280
<v Speaker 5>I'm excited this episode is. It means a lot to

0:20:34.320 --> 0:20:38.760
<v Speaker 5>me because you know my background, where I came from.

0:20:38.840 --> 0:20:42.200
<v Speaker 5>Financial freedom, like financial literacy, we did not know about,

0:20:42.320 --> 0:20:44.440
<v Speaker 5>you know, growing up, I did not know anything about

0:20:44.560 --> 0:20:48.600
<v Speaker 5>financial literacy at all. You know, I only knew what

0:20:48.800 --> 0:20:51.919
<v Speaker 5>was around me, you know, so growing up, you know,

0:20:52.040 --> 0:20:55.600
<v Speaker 5>me going to prison, me being incosrated was for identity,

0:20:55.640 --> 0:20:57.720
<v Speaker 5>that for a credit card for it, you.

0:20:57.680 --> 0:20:59.920
<v Speaker 2>Know, and that's where it stopped.

0:21:00.200 --> 0:21:02.040
<v Speaker 5>Well, that's all I knew was going into the store

0:21:02.119 --> 0:21:04.640
<v Speaker 5>using somebody else's credit card, but I did not know

0:21:04.720 --> 0:21:05.080
<v Speaker 5>how it.

0:21:05.119 --> 0:21:09.320
<v Speaker 2>Affected that person and the people cards I was using.

0:21:10.560 --> 0:21:12.800
<v Speaker 2>I was just using it. They weren't. They didn't even notice.

0:21:12.840 --> 0:21:15.320
<v Speaker 2>They didn't realize that I was using their card, you

0:21:15.359 --> 0:21:15.920
<v Speaker 2>know what I mean.

0:21:16.000 --> 0:21:20.480
<v Speaker 5>So it's like, now that I know better, I'm like, Wow,

0:21:20.760 --> 0:21:23.880
<v Speaker 5>it's a lot of people out here who really don't

0:21:23.960 --> 0:21:28.160
<v Speaker 5>check their credit, who don't even utilize their credit, who

0:21:28.280 --> 0:21:31.439
<v Speaker 5>don't really know anything about credit. And now that I

0:21:31.520 --> 0:21:35.960
<v Speaker 5>do credit card credit credit repair, it's like I speak

0:21:35.960 --> 0:21:38.320
<v Speaker 5>to a lot of people and I try to, you know,

0:21:38.520 --> 0:21:42.080
<v Speaker 5>educate them on how important credit is. You know, what

0:21:42.119 --> 0:21:45.240
<v Speaker 5>you can do with your credit. But if you don't

0:21:45.280 --> 0:21:48.119
<v Speaker 5>know growing up, it's hard.

0:21:49.080 --> 0:21:50.400
<v Speaker 1>So how you doing?

0:21:50.440 --> 0:21:53.280
<v Speaker 3>You want a nice how you doing so, you know,

0:21:53.480 --> 0:21:57.440
<v Speaker 3>just being formally incarcerated, you know, as well as understanding

0:21:58.119 --> 0:22:02.960
<v Speaker 3>what was howl you introduced to credit, like to credit cards,

0:22:02.960 --> 0:22:04.119
<v Speaker 3>Like what was the process?

0:22:04.160 --> 0:22:05.880
<v Speaker 1>You know, a lot of people don't know it, so.

0:22:05.840 --> 0:22:07.760
<v Speaker 3>We got to give them a little education so they

0:22:07.800 --> 0:22:11.040
<v Speaker 3>can understand, like what to look out for, you know,

0:22:11.119 --> 0:22:13.879
<v Speaker 3>how you pay attention to see if these things are.

0:22:13.720 --> 0:22:14.359
<v Speaker 1>Happening to you.

0:22:15.520 --> 0:22:19.160
<v Speaker 5>So okay, so how I was introduced and I'm gonna

0:22:19.160 --> 0:22:22.080
<v Speaker 5>bring it from before into now. So do you know

0:22:22.280 --> 0:22:24.560
<v Speaker 5>right now, like when you get those alerts that say

0:22:25.040 --> 0:22:29.240
<v Speaker 5>your password has been compromised on the dark web or

0:22:30.080 --> 0:22:34.440
<v Speaker 5>change your password immediately because it has been the detected

0:22:34.800 --> 0:22:37.680
<v Speaker 5>in certain websites, that's a real thing.

0:22:38.240 --> 0:22:41.480
<v Speaker 2>Like it's real because before, you.

0:22:41.440 --> 0:22:45.560
<v Speaker 5>Know, prior to my incarseration, I was basically paying a

0:22:45.600 --> 0:22:49.520
<v Speaker 5>hacker to hack into the bank systems or hacking to

0:22:50.720 --> 0:22:54.160
<v Speaker 5>let's just say American Express, and they will basically get

0:22:54.240 --> 0:23:00.000
<v Speaker 5>your account password, email password, and they would try out

0:23:00.200 --> 0:23:04.480
<v Speaker 5>pay for that information. And now like I even get

0:23:04.520 --> 0:23:07.760
<v Speaker 5>it on my email, it's like change your password because

0:23:07.800 --> 0:23:10.800
<v Speaker 5>that means that your email and your passport is out there.

0:23:11.000 --> 0:23:12.240
<v Speaker 2>So now it's compromised.

0:23:12.280 --> 0:23:15.400
<v Speaker 5>So now the hackers can go in and actually take

0:23:15.440 --> 0:23:19.119
<v Speaker 5>that information and sell it on the dark web. And

0:23:19.160 --> 0:23:21.600
<v Speaker 5>that's where I came in. Prior, I was going in

0:23:21.680 --> 0:23:24.920
<v Speaker 5>on a dark web and purchasing that information and then

0:23:24.920 --> 0:23:27.640
<v Speaker 5>now I'm able to go into the store and use

0:23:27.680 --> 0:23:29.280
<v Speaker 5>that person's identity.

0:23:30.160 --> 0:23:33.120
<v Speaker 2>Now, but were you making because I know a guy

0:23:33.640 --> 0:23:37.520
<v Speaker 2>who went to jail for actually making the credit card

0:23:37.600 --> 0:23:40.800
<v Speaker 2>with the numbers on it and the strip, and at

0:23:40.800 --> 0:23:43.520
<v Speaker 2>some point it got to the point that they were

0:23:43.600 --> 0:23:46.439
<v Speaker 2>actually able to make the credit card work. It started

0:23:46.480 --> 0:23:50.280
<v Speaker 2>out where they used the credit card and it wasn't live.

0:23:50.440 --> 0:23:53.040
<v Speaker 2>It just had the numbers on it. It looked real.

0:23:53.520 --> 0:23:54.560
<v Speaker 2>But then they got it.

0:23:54.520 --> 0:23:57.399
<v Speaker 4>To the point where the card was actually working with

0:23:57.520 --> 0:23:58.760
<v Speaker 4>the swipe in the store.

0:23:59.280 --> 0:24:03.600
<v Speaker 5>Is where as Yeah, So basically, yeah, the same exact thing.

0:24:03.680 --> 0:24:07.240
<v Speaker 5>So basically I will contact a hacker. A hacker will

0:24:07.320 --> 0:24:10.720
<v Speaker 5>sell me information. It's called the track. The track has

0:24:11.040 --> 0:24:15.320
<v Speaker 5>your sixteen digit card number, your exploration date, your name,

0:24:15.400 --> 0:24:17.920
<v Speaker 5>all of your information. It's like it's like an it's

0:24:17.960 --> 0:24:21.160
<v Speaker 5>like encoded into like these colds. So what I would

0:24:21.200 --> 0:24:24.280
<v Speaker 5>do is there's a machine that you have, you connect

0:24:24.280 --> 0:24:27.840
<v Speaker 5>it to your computer and you basically transfer that information

0:24:27.960 --> 0:24:28.960
<v Speaker 5>into the credit card.

0:24:29.240 --> 0:24:29.480
<v Speaker 1>You have.

0:24:30.080 --> 0:24:32.560
<v Speaker 5>Any card that has a strip on it could be

0:24:32.640 --> 0:24:35.199
<v Speaker 5>transferre It could be a hotel key, as long does

0:24:35.240 --> 0:24:37.720
<v Speaker 5>it have like a black magnetic strip on the back.

0:24:37.560 --> 0:24:38.960
<v Speaker 2>Of it, it could be transferred.

0:24:38.960 --> 0:24:41.159
<v Speaker 5>That information could be transferred into the card and you

0:24:41.160 --> 0:24:42.720
<v Speaker 5>can basically use it anywhere.

0:24:43.240 --> 0:24:43.520
<v Speaker 1>Wow.

0:24:43.920 --> 0:24:46.919
<v Speaker 3>Wow to me is very I used to always ask

0:24:47.040 --> 0:24:49.320
<v Speaker 3>her that she'll go to a hotel and she'll make

0:24:49.359 --> 0:24:50.800
<v Speaker 3>sure that everybody throws.

0:24:50.480 --> 0:24:51.240
<v Speaker 1>The keys away.

0:24:51.720 --> 0:24:55.280
<v Speaker 3>She will not leave a hotel key anywhere because she says,

0:24:55.280 --> 0:24:58.159
<v Speaker 3>people can get your information, and I never will it.

0:24:58.640 --> 0:25:00.320
<v Speaker 2>Yeah, you know, and what they do too.

0:25:01.359 --> 0:25:03.320
<v Speaker 5>What they'll do is, let's just say, if you gonna

0:25:03.320 --> 0:25:08.000
<v Speaker 5>make a purchase, and they will take your car, swipe

0:25:08.040 --> 0:25:10.840
<v Speaker 5>it and you know, the machine at the store, and

0:25:10.880 --> 0:25:13.320
<v Speaker 5>then also swipe it in a little device. It's like

0:25:13.560 --> 0:25:14.560
<v Speaker 5>as small as are like.

0:25:14.480 --> 0:25:17.440
<v Speaker 2>A uh, the little thing.

0:25:17.880 --> 0:25:21.280
<v Speaker 5>Yeah, it's that small, Like they'll swipe it on that

0:25:21.320 --> 0:25:23.680
<v Speaker 5>and then now they have all your information. So that

0:25:23.800 --> 0:25:26.919
<v Speaker 5>just eliminates them being able to They don't have to

0:25:26.920 --> 0:25:30.080
<v Speaker 5>contact a hacker. They have your information right there, you know,

0:25:30.160 --> 0:25:32.760
<v Speaker 5>and they're doing that to everyone who come and purchase.

0:25:33.960 --> 0:25:37.160
<v Speaker 4>So so tell us. So okay, so you got into

0:25:37.200 --> 0:25:39.679
<v Speaker 4>that first. It couldn't have just started there though, Like

0:25:39.760 --> 0:25:40.720
<v Speaker 4>that's high level.

0:25:41.119 --> 0:25:45.120
<v Speaker 2>So you had to start somewhere a little bit before

0:25:45.280 --> 0:25:47.679
<v Speaker 2>that stage. Was it that you just found out it

0:25:47.760 --> 0:25:52.199
<v Speaker 2>was easy? Did somebody tell you to get involved? So

0:25:53.200 --> 0:25:57.320
<v Speaker 2>it's crazy, but I never said this anywhere else. So

0:25:57.480 --> 0:26:01.119
<v Speaker 2>when I was younger, I was you know my aunt.

0:26:01.720 --> 0:26:04.679
<v Speaker 2>She's She's from Maryland. She had a bunch of salons.

0:26:05.200 --> 0:26:07.719
<v Speaker 2>She was like that aunt that was like flying, you know.

0:26:07.800 --> 0:26:10.080
<v Speaker 2>And I'm like, damn, she got a bunch of salons.

0:26:10.080 --> 0:26:12.520
<v Speaker 2>She got all this money, and I knew that. She

0:26:12.600 --> 0:26:14.880
<v Speaker 2>went to prison for a credit card fraud. Right.

0:26:15.240 --> 0:26:19.120
<v Speaker 5>She wrote a book called Charge It to the Game. Right,

0:26:19.240 --> 0:26:22.240
<v Speaker 5>I've read the book. I never said this anywhere else.

0:26:22.440 --> 0:26:26.280
<v Speaker 5>She don't even know this. I've read the book and

0:26:27.080 --> 0:26:31.159
<v Speaker 5>I was like, wow, this is crazy. Like she was

0:26:31.200 --> 0:26:33.920
<v Speaker 5>given detail, but not too much detail. So I went

0:26:33.960 --> 0:26:38.160
<v Speaker 5>on the dark Web and I started researching. I found

0:26:38.200 --> 0:26:40.879
<v Speaker 5>out all the information I needed, and I found the

0:26:40.920 --> 0:26:43.320
<v Speaker 5>person who basically I could buy the tracks from.

0:26:43.840 --> 0:26:45.320
<v Speaker 2>Wow, wow, how.

0:26:47.280 --> 0:26:51.359
<v Speaker 5>Some tracks costs the tracks are about At that time,

0:26:51.400 --> 0:26:54.640
<v Speaker 5>they were fifty dollars. So now you're talking about something

0:26:54.680 --> 0:26:57.359
<v Speaker 5>that costs fifty dollars that I can get about twenty

0:26:57.400 --> 0:26:59.879
<v Speaker 5>thousand dollars from.

0:27:00.200 --> 0:27:03.680
<v Speaker 3>That's that that that's a no brainer right there. Mm hmmm,

0:27:04.280 --> 0:27:08.200
<v Speaker 3>so u huh no, no, glad, what you said.

0:27:08.560 --> 0:27:09.080
<v Speaker 2>I was saying.

0:27:09.080 --> 0:27:12.639
<v Speaker 5>So I'm purchasing these tracks and all I have to

0:27:12.680 --> 0:27:16.680
<v Speaker 5>do is basically get a bunch of blank credit cards.

0:27:16.720 --> 0:27:21.000
<v Speaker 5>At that time, I was going into like CBS Walgreen

0:27:21.200 --> 0:27:24.439
<v Speaker 5>and taking the gift cards. They're free, just going in

0:27:24.480 --> 0:27:27.320
<v Speaker 5>and take them. You know, they have a black magnetic

0:27:27.320 --> 0:27:30.560
<v Speaker 5>strip on it. So I was using the tracks, putting

0:27:30.560 --> 0:27:33.640
<v Speaker 5>it on the black on the card and just going

0:27:33.640 --> 0:27:34.280
<v Speaker 5>into the store.

0:27:34.760 --> 0:27:37.200
<v Speaker 1>And usually so how did you get caught?

0:27:37.320 --> 0:27:37.399
<v Speaker 2>Like?

0:27:37.440 --> 0:27:38.560
<v Speaker 1>What, what's the thing?

0:27:39.560 --> 0:27:41.560
<v Speaker 2>So I got caught?

0:27:41.800 --> 0:27:44.280
<v Speaker 5>Now the reason why I got caught was because the

0:27:44.320 --> 0:27:47.800
<v Speaker 5>person who I was purchasing the tracks from, he's he's

0:27:47.800 --> 0:27:48.399
<v Speaker 5>in China.

0:27:49.240 --> 0:27:51.359
<v Speaker 2>He's in China. I never I don't know who he is.

0:27:51.440 --> 0:27:53.639
<v Speaker 2>I never met him. We only spoke online.

0:27:54.240 --> 0:27:59.600
<v Speaker 5>So he was shipping cards to Africa to me and

0:27:59.640 --> 0:28:04.720
<v Speaker 5>Brookes when to all over and he started to get

0:28:04.800 --> 0:28:08.720
<v Speaker 5>hot and they started watching him. So what he did

0:28:08.880 --> 0:28:11.080
<v Speaker 5>was he told me, he's like, listen, I can ship

0:28:11.160 --> 0:28:14.359
<v Speaker 5>you some cards. You don't have to you know, they'll

0:28:14.400 --> 0:28:16.920
<v Speaker 5>be real cards, you know, with your name. You don't

0:28:16.960 --> 0:28:19.800
<v Speaker 5>have to use the cards that's from CBS, so you

0:28:19.800 --> 0:28:21.840
<v Speaker 5>know if this card will be actually with your name

0:28:21.880 --> 0:28:24.399
<v Speaker 5>on it. So it was better for me because sometime

0:28:24.480 --> 0:28:26.240
<v Speaker 5>I would go into the store and they'll be like, oh, well,

0:28:26.359 --> 0:28:28.800
<v Speaker 5>this is a gift card. You can't use over five

0:28:28.880 --> 0:28:31.280
<v Speaker 5>hundred dollars if it's only five hundred dollars on a

0:28:31.320 --> 0:28:33.960
<v Speaker 5>gift card. If it sets five hundred dollars on the card,

0:28:34.200 --> 0:28:36.920
<v Speaker 5>how you swiping it for five thousand dollars.

0:28:37.119 --> 0:28:40.440
<v Speaker 2>So I needed that connect at that time. So for

0:28:40.520 --> 0:28:42.719
<v Speaker 2>about a year, he was just shipping me cards, shipping

0:28:42.720 --> 0:28:44.000
<v Speaker 2>me cards. Everything was cool.

0:28:44.280 --> 0:28:47.400
<v Speaker 5>He started to get hot because someone in Nigeria got

0:28:47.440 --> 0:28:51.440
<v Speaker 5>in trouble. So customs basically stopped the package that was

0:28:51.480 --> 0:28:55.000
<v Speaker 5>coming to me. And when they stopped the package, they

0:28:55.040 --> 0:28:57.080
<v Speaker 5>opened it and they seen what was in it, they

0:28:57.120 --> 0:28:59.440
<v Speaker 5>sealed it back and sent it to me. So when

0:28:59.440 --> 0:29:01.360
<v Speaker 5>they sent it to me, I didn't know it got

0:29:01.400 --> 0:29:04.600
<v Speaker 5>stopped and they just started following me from there. They

0:29:04.680 --> 0:29:08.280
<v Speaker 5>was following me for six months.

0:29:07.040 --> 0:29:10.960
<v Speaker 2>Wow, while you was using the car, So they had

0:29:11.000 --> 0:29:13.560
<v Speaker 2>a full case of course when they finally And I

0:29:13.600 --> 0:29:18.000
<v Speaker 2>think that's the whole point is like it feels good right,

0:29:18.120 --> 0:29:22.040
<v Speaker 2>like while it's happening, you're looking bad and doing your thing.

0:29:22.560 --> 0:29:25.600
<v Speaker 4>But at some point, I don't know anyone, I really

0:29:25.640 --> 0:29:29.600
<v Speaker 4>literally don't know anyone that has been able to accomplish

0:29:29.760 --> 0:29:33.520
<v Speaker 4>like longevity and then never get caught doing these things.

0:29:33.600 --> 0:29:36.600
<v Speaker 2>I just I don't know anyone. Everybody I know at

0:29:36.600 --> 0:29:39.120
<v Speaker 2>some point they brought up with them. No, it's true.

0:29:39.120 --> 0:29:41.040
<v Speaker 5>And then at that time I was so young, like

0:29:41.080 --> 0:29:44.400
<v Speaker 5>I went to federal prison when I was nineteen years old. Wow,

0:29:44.640 --> 0:29:47.480
<v Speaker 5>and I was doing that from seventeen. I went to

0:29:47.560 --> 0:29:50.280
<v Speaker 5>prison at nineteen, came home, didn't know anything else. At

0:29:50.320 --> 0:29:52.440
<v Speaker 5>the same thing, over thought, I got smart and bought

0:29:52.440 --> 0:29:55.520
<v Speaker 5>all the machines, got caught another two years later and

0:29:55.600 --> 0:29:57.640
<v Speaker 5>had to do two and a half years, you know

0:29:57.640 --> 0:30:00.760
<v Speaker 5>what I mean. So I didn't really know another way.

0:30:00.840 --> 0:30:03.080
<v Speaker 5>That's all I knew at that time. That's the only

0:30:03.200 --> 0:30:05.560
<v Speaker 5>That's how I knew how to make money, you know.

0:30:05.920 --> 0:30:11.640
<v Speaker 5>And it's it's unfortunate that I had to go through that,

0:30:11.800 --> 0:30:14.840
<v Speaker 5>but I don't regret anything that I've gone through, you know,

0:30:14.840 --> 0:30:16.360
<v Speaker 5>because it made me who I am today.

0:30:17.040 --> 0:30:20.440
<v Speaker 2>And you know it it was it was crazy.

0:30:20.080 --> 0:30:22.520
<v Speaker 5>You know, because you get so addicted to like the

0:30:22.600 --> 0:30:24.880
<v Speaker 5>material stuff, because you walking into the store and you're

0:30:24.920 --> 0:30:28.560
<v Speaker 5>getting these things for free basically, you know, like I'm

0:30:28.600 --> 0:30:32.840
<v Speaker 5>spending one hundred dollars per card and I'm getting ten, fifteen,

0:30:32.920 --> 0:30:37.120
<v Speaker 5>twenty thousand dollars per card, you know, So it becomes

0:30:37.160 --> 0:30:43.320
<v Speaker 5>like addiction, right, you know, to like it's crazy.

0:30:43.400 --> 0:30:45.920
<v Speaker 3>So you did you So, how much time did you

0:30:45.960 --> 0:30:47.560
<v Speaker 3>do in prison? You said you went to jail the

0:30:47.640 --> 0:30:50.280
<v Speaker 3>first time, came home and did it again, and didn't

0:30:50.280 --> 0:30:53.240
<v Speaker 3>have five years all together?

0:30:53.280 --> 0:30:54.120
<v Speaker 1>You did five mins.

0:30:54.960 --> 0:30:57.640
<v Speaker 3>So you went home, You went there for three came home,

0:30:58.120 --> 0:31:01.720
<v Speaker 3>did something, and then went for two more year. Yeah,

0:31:01.760 --> 0:31:04.400
<v Speaker 3>and then so what made you say, Okay, I gotta

0:31:04.480 --> 0:31:07.400
<v Speaker 3>I gotta do something differently? What was it when you

0:31:07.440 --> 0:31:10.440
<v Speaker 3>came home did you immediately say I'm not going back

0:31:10.480 --> 0:31:12.960
<v Speaker 3>to jail? Or when you was in jail, did you say, look,

0:31:13.000 --> 0:31:14.200
<v Speaker 3>I gotta do something different?

0:31:14.200 --> 0:31:16.240
<v Speaker 1>Like what made your mind flip.

0:31:16.640 --> 0:31:19.920
<v Speaker 2>The first time? I didn't think like that the first time.

0:31:19.960 --> 0:31:23.160
<v Speaker 5>I say, you know what, I got caught because not

0:31:23.200 --> 0:31:26.040
<v Speaker 5>something that I did. I got caught because he was

0:31:26.080 --> 0:31:29.320
<v Speaker 5>doing something and I got, you know, wrapped up in it.

0:31:29.480 --> 0:31:32.520
<v Speaker 5>So that's how my mom was, honestly. The first time,

0:31:32.880 --> 0:31:36.360
<v Speaker 5>nineteen years old, spent two years in there, came home,

0:31:36.720 --> 0:31:38.280
<v Speaker 5>I'm like, you know what, I'm gonna do it smarter.

0:31:38.760 --> 0:31:41.040
<v Speaker 5>I bought all the machines. I didn't need a middle man.

0:31:41.120 --> 0:31:42.880
<v Speaker 5>I didn't need him. I didn't need anyone. I was

0:31:42.920 --> 0:31:48.800
<v Speaker 5>able to do everything myself. So the last time I

0:31:48.840 --> 0:31:51.160
<v Speaker 5>went to prison, I was like, and I went to

0:31:51.200 --> 0:31:54.240
<v Speaker 5>prison for the stupidest thing ever. I was like, you

0:31:54.280 --> 0:31:55.959
<v Speaker 5>know what, this is not for me.

0:31:56.240 --> 0:31:58.520
<v Speaker 3>I had to tell us to give us the stupidest

0:31:58.560 --> 0:31:59.920
<v Speaker 3>thing because people need to hear it.

0:31:59.800 --> 0:32:00.320
<v Speaker 2>So so.

0:32:02.640 --> 0:32:06.960
<v Speaker 5>I'm in a restaurant, right, I'm in a restaurant, and

0:32:07.280 --> 0:32:09.800
<v Speaker 5>the people who I was with, these are the people

0:32:09.800 --> 0:32:11.680
<v Speaker 5>that I used to hang out with before, who were

0:32:11.720 --> 0:32:16.400
<v Speaker 5>still in the gate, who were still doing fraud. They

0:32:16.440 --> 0:32:21.360
<v Speaker 5>basically used a credit card to pay for a dinner party.

0:32:21.600 --> 0:32:24.200
<v Speaker 2>The dinner party was like nine thousand dollars.

0:32:24.240 --> 0:32:26.640
<v Speaker 5>They had bottles, they had a bunch of stuff, right,

0:32:27.480 --> 0:32:32.000
<v Speaker 5>nine thousand dollars for this dinner party. And what they

0:32:32.080 --> 0:32:36.040
<v Speaker 5>did now, I booked the I booked the reservation right

0:32:36.120 --> 0:32:39.040
<v Speaker 5>under my name, my phone number. I didn't I thought

0:32:39.040 --> 0:32:41.320
<v Speaker 5>everybody was gonna pay. I didn't think we were gonna

0:32:41.400 --> 0:32:45.320
<v Speaker 5>like use a credit card for that. So I booked everything.

0:32:45.600 --> 0:32:50.120
<v Speaker 5>And basically they in this they had a fight in

0:32:50.120 --> 0:32:52.960
<v Speaker 5>the restaurant, so they like kind of messed up the restaurant.

0:32:53.000 --> 0:32:56.000
<v Speaker 5>The police got involved. They called me, They came to

0:32:56.040 --> 0:33:00.000
<v Speaker 5>my house and arrested me, and now I'm not gonna

0:33:00.160 --> 0:33:02.160
<v Speaker 5>be like it wasn't me that used the card, it

0:33:02.200 --> 0:33:04.000
<v Speaker 5>was him. And then on top of that, I had

0:33:04.040 --> 0:33:05.880
<v Speaker 5>a case of not a case. I had a prior

0:33:06.440 --> 0:33:10.120
<v Speaker 5>you know, arrest for the same exact thing. It was like, okay,

0:33:10.160 --> 0:33:12.560
<v Speaker 5>this was her. So I just basically had to go

0:33:12.600 --> 0:33:15.200
<v Speaker 5>in for a violation. I went in for a violation

0:33:15.240 --> 0:33:18.280
<v Speaker 5>because I was on federal probation for the last case.

0:33:18.600 --> 0:33:22.040
<v Speaker 2>So they basically violated me. They gave me sixteen months

0:33:22.080 --> 0:33:23.040
<v Speaker 2>in the state.

0:33:23.640 --> 0:33:25.560
<v Speaker 5>They ran a concurrent, and I just had to do

0:33:25.760 --> 0:33:27.840
<v Speaker 5>the two and a half years in the facts and

0:33:27.920 --> 0:33:31.280
<v Speaker 5>I was They terminated my probation after So.

0:33:31.280 --> 0:33:34.960
<v Speaker 3>When you came home, you said I ain't doing this though,

0:33:35.400 --> 0:33:36.000
<v Speaker 3>So while I.

0:33:35.920 --> 0:33:39.479
<v Speaker 2>Was inside, I was like, you know what this is.

0:33:39.640 --> 0:33:42.960
<v Speaker 5>I can't live my life like this, Like I don't

0:33:43.320 --> 0:33:45.440
<v Speaker 5>where am I going to be five years from now,

0:33:45.520 --> 0:33:47.120
<v Speaker 5>Like when I go home, what am I going to do?

0:33:47.240 --> 0:33:49.720
<v Speaker 5>Go back into doing credit cards for it and be

0:33:49.840 --> 0:33:52.680
<v Speaker 5>back in jail? Like this is just gonna be like consistent,

0:33:52.720 --> 0:33:54.880
<v Speaker 5>this is gonna be my life. I cannot live like

0:33:54.920 --> 0:33:57.360
<v Speaker 5>this like this is not me, Like I see so

0:33:57.560 --> 0:34:01.240
<v Speaker 5>much more for myself you know, and I had to

0:34:01.320 --> 0:34:04.480
<v Speaker 5>sit there. You know, I prayed about it, I meditated,

0:34:05.000 --> 0:34:09.000
<v Speaker 5>and I just asked, like, just give me away, you know,

0:34:09.239 --> 0:34:12.120
<v Speaker 5>put good people in my life, you know, associated with

0:34:12.160 --> 0:34:16.719
<v Speaker 5>people that can help me. Because I was young and

0:34:17.080 --> 0:34:19.320
<v Speaker 5>I didn't have that guidance. I didn't have a mentor.

0:34:19.360 --> 0:34:21.759
<v Speaker 5>I didn't have somebody that could, you know, help me

0:34:22.719 --> 0:34:24.759
<v Speaker 5>get to the next level or tell me not to

0:34:24.840 --> 0:34:26.600
<v Speaker 5>do this, this is the wrong way, you should do

0:34:26.640 --> 0:34:27.200
<v Speaker 5>it that way.

0:34:27.520 --> 0:34:28.359
<v Speaker 2>I didn't have that.

0:34:28.760 --> 0:34:33.560
<v Speaker 5>So going to prison, I met some really really great women,

0:34:34.360 --> 0:34:37.200
<v Speaker 5>you know, who saw more in me than I even

0:34:37.239 --> 0:34:40.879
<v Speaker 5>seen it myself, you know, just from conversations, just from

0:34:40.880 --> 0:34:43.400
<v Speaker 5>you being with this person every single day.

0:34:43.719 --> 0:34:44.319
<v Speaker 2>You know, like.

0:34:45.960 --> 0:34:49.680
<v Speaker 5>I used to hole, you know, Jamilla T. Davis like

0:34:49.840 --> 0:34:53.560
<v Speaker 5>me being around them. They basically helped me. They like, listen,

0:34:54.160 --> 0:34:56.520
<v Speaker 5>I see so much more on you, Like this is

0:34:56.560 --> 0:34:57.320
<v Speaker 5>not your life.

0:34:57.400 --> 0:34:57.560
<v Speaker 1>You know.

0:34:57.600 --> 0:34:59.520
<v Speaker 5>I wanted to write a book. I used to push me.

0:34:59.560 --> 0:35:01.359
<v Speaker 5>She was like, write it, write it every day.

0:35:01.360 --> 0:35:02.520
<v Speaker 2>I'm like, okay, I'm gonna write it.

0:35:02.719 --> 0:35:05.920
<v Speaker 5>She was like, listen, just write down some notes, give

0:35:05.960 --> 0:35:07.759
<v Speaker 5>me a bunch of pages, and I'm gonna help you

0:35:07.760 --> 0:35:09.680
<v Speaker 5>write it. So that was like the start of it,

0:35:10.239 --> 0:35:13.479
<v Speaker 5>you know, And I basically wrote out a five year plan.

0:35:13.640 --> 0:35:18.279
<v Speaker 5>I said, I'm not going home until this plan is completed,

0:35:18.600 --> 0:35:21.280
<v Speaker 5>and I'm gonna follow it. And whoever comes in between,

0:35:21.640 --> 0:35:24.880
<v Speaker 5>whoever comes in between that plan, like, they just gotta go,

0:35:25.200 --> 0:35:27.440
<v Speaker 5>They gotta go. I gotta dismiss them from my life.

0:35:27.760 --> 0:35:30.359
<v Speaker 5>And I was stern about that decision. I said, I'm

0:35:30.360 --> 0:35:32.759
<v Speaker 5>gonna just let go everybody who was in my life.

0:35:32.840 --> 0:35:37.200
<v Speaker 5>Fire who's still doing the same thing, no shade. I

0:35:37.280 --> 0:35:39.200
<v Speaker 5>fuck with y'all, but from a distance, you know what

0:35:39.200 --> 0:35:41.760
<v Speaker 5>I mean, Because I have to change my life.

0:35:41.880 --> 0:35:42.879
<v Speaker 2>It's no other way.

0:35:43.360 --> 0:35:46.799
<v Speaker 5>And the association with people, that's the first thing that

0:35:46.840 --> 0:35:49.200
<v Speaker 5>would get you wrapped back up, you know. So I

0:35:49.280 --> 0:35:51.440
<v Speaker 5>just had to disconnect myself. So when I came home,

0:35:51.640 --> 0:35:54.600
<v Speaker 5>I basically just was around my prisons this. You know,

0:35:54.640 --> 0:35:57.160
<v Speaker 5>people who've gone through the same thing, People who don't

0:35:57.160 --> 0:36:00.200
<v Speaker 5>want to go through that, go back to pray, who

0:36:00.280 --> 0:36:04.120
<v Speaker 5>haven't experienced prison. They don't have anything to they just

0:36:04.320 --> 0:36:06.520
<v Speaker 5>living at that moment. They haven't gone to prison, so

0:36:06.560 --> 0:36:08.799
<v Speaker 5>they don't know what it's like, you know. So I'm like,

0:36:08.840 --> 0:36:10.880
<v Speaker 5>I have to be with people and surround myself with

0:36:11.239 --> 0:36:13.799
<v Speaker 5>positive people and people who've gone through the same things

0:36:13.800 --> 0:36:16.360
<v Speaker 5>that I went through because they don't want to go

0:36:16.400 --> 0:36:19.680
<v Speaker 5>back down that road, you know, And that's what I did.

0:36:19.719 --> 0:36:22.799
<v Speaker 2>I didn't let nothing come in between that. No mind,

0:36:22.880 --> 0:36:24.040
<v Speaker 2>I don't care if I had to live in a

0:36:24.080 --> 0:36:27.840
<v Speaker 2>shoe box like you, was gonna stay on the right track.

0:36:28.160 --> 0:36:29.520
<v Speaker 2>So how did credit repair?

0:36:29.920 --> 0:36:32.960
<v Speaker 4>I mean, obviously it's natural for you to go from

0:36:33.239 --> 0:36:37.120
<v Speaker 4>because you understand, you know the issues, But how did

0:36:37.160 --> 0:36:40.040
<v Speaker 4>credit repair become the transition?

0:36:40.480 --> 0:36:45.479
<v Speaker 2>And then also have you when you went to court the.

0:36:45.400 --> 0:36:48.400
<v Speaker 4>First time, did you ever have to face any of

0:36:48.440 --> 0:36:51.480
<v Speaker 4>the individuals that you had frauded?

0:36:52.719 --> 0:36:52.919
<v Speaker 1>No?

0:36:53.680 --> 0:36:58.280
<v Speaker 5>Okay, it was so many, but no, I'm so happy

0:36:58.320 --> 0:37:04.520
<v Speaker 5>I haven't because, you know, after knowing what this this

0:37:04.560 --> 0:37:06.239
<v Speaker 5>is an issue that happened to me when I was

0:37:06.280 --> 0:37:10.080
<v Speaker 5>in prison. I called home to my grandmother and she

0:37:10.440 --> 0:37:13.080
<v Speaker 5>was about seventy at this time.

0:37:13.719 --> 0:37:17.560
<v Speaker 2>Now she's like, baby, I'm you know, I'm so sad.

0:37:17.719 --> 0:37:20.799
<v Speaker 5>Someone used my credit card and I've been fighting with

0:37:20.880 --> 0:37:23.840
<v Speaker 5>the bank for the past six months.

0:37:23.960 --> 0:37:27.319
<v Speaker 2>And right now I have no money. You know, I

0:37:27.360 --> 0:37:28.560
<v Speaker 2>don't have anything.

0:37:28.640 --> 0:37:32.799
<v Speaker 5>You know, they took seventeen thousand dollars from me, and

0:37:33.040 --> 0:37:34.799
<v Speaker 5>you know, I don't have no money. The bank has

0:37:34.800 --> 0:37:38.799
<v Speaker 5>given me a hard time returning the money. I'm like, real, yo,

0:37:38.920 --> 0:37:42.319
<v Speaker 5>So that hit home. I was like, oh my god,

0:37:42.520 --> 0:37:47.200
<v Speaker 5>Like they are real people, real yeah, yeah.

0:37:46.680 --> 0:37:48.000
<v Speaker 2>Yeah, these are real people.

0:37:48.000 --> 0:37:50.480
<v Speaker 5>Like I don't know what the issue was, what the

0:37:50.520 --> 0:37:54.759
<v Speaker 5>circumstances were in their life. I could have just you know,

0:37:54.960 --> 0:37:58.640
<v Speaker 5>mess something up like and then that was basically when

0:37:58.680 --> 0:38:01.520
<v Speaker 5>she spoke to me and told me. I was like, Wow,

0:38:01.560 --> 0:38:04.359
<v Speaker 5>this came at the right time. This actually came during

0:38:04.400 --> 0:38:06.680
<v Speaker 5>the time. I said I need to do this five

0:38:06.760 --> 0:38:09.360
<v Speaker 5>year plan because this is what I'm a follow and

0:38:09.360 --> 0:38:11.840
<v Speaker 5>I got that. I called home and that's the that

0:38:11.920 --> 0:38:14.319
<v Speaker 5>was the conversation, Like that was confirmation for me.

0:38:15.120 --> 0:38:17.520
<v Speaker 2>You know. I was like, wow, I can't come back here.

0:38:19.440 --> 0:38:22.120
<v Speaker 2>So you've got into credit repaired. Yes.

0:38:22.360 --> 0:38:25.400
<v Speaker 5>So when I came home, the transition wasn't easy, you

0:38:25.440 --> 0:38:29.760
<v Speaker 5>know it was. It was hard, especially coming from having

0:38:29.880 --> 0:38:33.160
<v Speaker 5>so much, you know, at so young, and then you

0:38:33.280 --> 0:38:34.640
<v Speaker 5>coming home and you have to like.

0:38:34.840 --> 0:38:35.800
<v Speaker 2>Rely on people.

0:38:36.600 --> 0:38:38.960
<v Speaker 5>Even though I had my daughter's father, he was there

0:38:39.040 --> 0:38:43.840
<v Speaker 5>for me tremendously. But I'm very independent, you know what

0:38:43.920 --> 0:38:46.640
<v Speaker 5>I mean, And I like to do things on my own.

0:38:46.680 --> 0:38:48.840
<v Speaker 2>I like to help I'm the giver, like I like

0:38:48.920 --> 0:38:52.359
<v Speaker 2>to give people, you know, people around me, and you.

0:38:52.280 --> 0:38:54.120
<v Speaker 5>Know, so coming home, I was like, the first thing

0:38:54.160 --> 0:38:55.760
<v Speaker 5>I need to do is fix my credit.

0:38:55.840 --> 0:38:57.280
<v Speaker 2>I learned about credit while.

0:38:57.120 --> 0:38:59.400
<v Speaker 5>I was in prison. I didn't know anything about credit,

0:38:59.680 --> 0:39:01.759
<v Speaker 5>you know. I learned how important credit was. I got

0:39:01.760 --> 0:39:04.479
<v Speaker 5>a bunch of credit for dummy books. But at that time,

0:39:04.520 --> 0:39:06.279
<v Speaker 5>it wasn't for me to fix people credit. It was

0:39:06.320 --> 0:39:08.520
<v Speaker 5>for me to work on my credit. Because I said,

0:39:08.520 --> 0:39:10.800
<v Speaker 5>what I'll do is, you know, work on my credit

0:39:10.800 --> 0:39:12.799
<v Speaker 5>and use that to start my hair company or use

0:39:12.840 --> 0:39:14.640
<v Speaker 5>that to start whatever company it is that I want

0:39:14.680 --> 0:39:16.680
<v Speaker 5>to do. So when I came home, I did that,

0:39:16.719 --> 0:39:18.840
<v Speaker 5>work on my credit, got a bunch of credit cards.

0:39:19.320 --> 0:39:23.239
<v Speaker 5>And how we started doing credit or heare was I

0:39:23.280 --> 0:39:27.680
<v Speaker 5>came home about I want to say, a year before Ayisha.

0:39:28.320 --> 0:39:31.920
<v Speaker 5>And when she came home one day, she was she

0:39:31.960 --> 0:39:34.600
<v Speaker 5>had a bunch of Western Union papers like she to

0:39:34.680 --> 0:39:37.319
<v Speaker 5>send out money. Mind you, she just came home. She

0:39:37.320 --> 0:39:39.480
<v Speaker 5>didn't have no money. So I'm like, Ayisha, what are

0:39:39.480 --> 0:39:41.600
<v Speaker 5>you doing? She's like, I mean, I don't have money,

0:39:41.640 --> 0:39:43.839
<v Speaker 5>but I'm just sending the girls thirty dollars each because

0:39:43.880 --> 0:39:44.920
<v Speaker 5>I promised that to them.

0:39:45.640 --> 0:39:47.920
<v Speaker 2>I'm like, I know, but you don't.

0:39:47.640 --> 0:39:50.080
<v Speaker 5>Have it, Like you got to get yourself together first

0:39:50.520 --> 0:39:52.640
<v Speaker 5>and then you could give you know, because you're taken

0:39:52.680 --> 0:39:55.200
<v Speaker 5>from yourself. And she's like, I know, but I promised them.

0:39:55.719 --> 0:39:58.680
<v Speaker 5>I'm like, so listen, you taught me how to fix

0:39:58.840 --> 0:40:00.680
<v Speaker 5>She taught me how to fix my credit. Actually, when

0:40:00.680 --> 0:40:02.360
<v Speaker 5>I came home, I'm like, you taught me how to

0:40:02.360 --> 0:40:05.360
<v Speaker 5>fix my credit. Why don't we teach fix the girl's

0:40:05.400 --> 0:40:07.920
<v Speaker 5>credit that's coming home. Because these girls are about to

0:40:07.960 --> 0:40:09.919
<v Speaker 5>come home. It was like six of them, they're about

0:40:09.920 --> 0:40:11.239
<v Speaker 5>to come home. I said, why don't we fix their

0:40:11.239 --> 0:40:13.680
<v Speaker 5>credit to give them something for when they come home,

0:40:13.719 --> 0:40:15.880
<v Speaker 5>because it was extremely hard for me to come home

0:40:16.280 --> 0:40:19.480
<v Speaker 5>to you know, dap back into society, not having the

0:40:19.480 --> 0:40:20.440
<v Speaker 5>things that I used to have.

0:40:20.840 --> 0:40:22.759
<v Speaker 2>But my credit is really wouldn't help me.

0:40:23.120 --> 0:40:25.400
<v Speaker 5>Because I got that first credit card for ten thousand,

0:40:25.680 --> 0:40:27.600
<v Speaker 5>I was able to use that and flip it, you

0:40:27.680 --> 0:40:28.200
<v Speaker 5>know what I mean.

0:40:28.239 --> 0:40:29.560
<v Speaker 2>Maybe they could do the same thing.

0:40:29.680 --> 0:40:32.439
<v Speaker 5>So this thirty dollars is cool for now, but let's

0:40:32.440 --> 0:40:35.320
<v Speaker 5>give them something that's long jeopardy, you know. So we

0:40:35.440 --> 0:40:37.520
<v Speaker 5>fixed their credit. With six of them, we fixed their credit.

0:40:37.600 --> 0:40:40.280
<v Speaker 5>We sent them their credit report. They was so happy.

0:40:40.320 --> 0:40:42.239
<v Speaker 5>One of the girls actually came home opened up a

0:40:42.280 --> 0:40:44.120
<v Speaker 5>whole spar like she's.

0:40:43.880 --> 0:40:44.840
<v Speaker 2>Doing really well.

0:40:45.200 --> 0:40:47.360
<v Speaker 5>Other ones do lashes and the other one has a

0:40:47.360 --> 0:40:51.120
<v Speaker 5>real estate company. So they thank us even to this

0:40:51.280 --> 0:40:54.080
<v Speaker 5>day because we helped them while they were in prison.

0:40:54.239 --> 0:40:56.320
<v Speaker 5>But I knew how hard it was for me coming home,

0:40:56.680 --> 0:40:59.319
<v Speaker 5>so I wanted to do anything to help somebody because

0:40:59.440 --> 0:41:01.200
<v Speaker 5>I wish I had that, you know what I mean.

0:41:01.640 --> 0:41:07.240
<v Speaker 5>So the girls told their husbands, told their sisters, brothers, cousins,

0:41:07.239 --> 0:41:10.040
<v Speaker 5>so anybody just started calling us. This is before we

0:41:10.080 --> 0:41:12.080
<v Speaker 5>even had a credit pair company. We didn't even think

0:41:12.120 --> 0:41:14.600
<v Speaker 5>to do creditor pair like. We were just doing it

0:41:14.640 --> 0:41:17.120
<v Speaker 5>to help them and to help ourselves. And people just

0:41:17.200 --> 0:41:19.160
<v Speaker 5>was calling us to fix their credit and we started

0:41:19.200 --> 0:41:22.840
<v Speaker 5>like that and it just became came crazy. Before we

0:41:22.880 --> 0:41:25.560
<v Speaker 5>even posted it on Instagram, we were getting calls and

0:41:26.120 --> 0:41:28.840
<v Speaker 5>we just use that as our money. We was like, okay,

0:41:28.920 --> 0:41:32.080
<v Speaker 5>well this is a full flash company, Like let's do it.

0:41:32.200 --> 0:41:34.840
<v Speaker 3>You know, I just want to say, I want to

0:41:34.880 --> 0:41:37.080
<v Speaker 3>commend y'all man shout out to how you shud shout

0:41:37.120 --> 0:41:39.920
<v Speaker 3>out to Jamila. Just just watching you y'all motivate me.

0:41:40.320 --> 0:41:42.719
<v Speaker 3>You know, sometimes I go on Instagram or I see

0:41:42.800 --> 0:41:46.080
<v Speaker 3>y'all shows. I'd be watching y'all and I understand your

0:41:46.120 --> 0:41:49.360
<v Speaker 3>struggle when coming from prison, not having nothing, and to

0:41:49.440 --> 0:41:50.359
<v Speaker 3>see y'all.

0:41:50.080 --> 0:41:53.160
<v Speaker 1>Just come home with this energy, you know, just.

0:41:53.160 --> 0:41:58.800
<v Speaker 3>Seeing y'all together, moving together, consistent, persistent, and just growing

0:41:58.840 --> 0:42:00.600
<v Speaker 3>every day. I just want to say commend you because

0:42:00.600 --> 0:42:02.400
<v Speaker 3>a lot of people don't believe that a lot of

0:42:02.440 --> 0:42:06.400
<v Speaker 3>people because you're incarcerated, you formally incarcerated, that your life

0:42:06.480 --> 0:42:08.960
<v Speaker 3>is over. You're not supposed to do nothing, You're not

0:42:09.000 --> 0:42:12.160
<v Speaker 3>gonna do nothing, and you women defy that every day.

0:42:12.480 --> 0:42:14.320
<v Speaker 1>So just I just want to say.

0:42:14.080 --> 0:42:17.919
<v Speaker 3>Thank you for doing it, because it's motivational to more

0:42:18.000 --> 0:42:19.400
<v Speaker 3>people than you actually even know.

0:42:20.520 --> 0:42:21.759
<v Speaker 2>Thank you. I appreciate that.

0:42:21.800 --> 0:42:24.560
<v Speaker 5>And it's like coming home from prison, you know, you

0:42:24.960 --> 0:42:27.799
<v Speaker 5>look at what other people have, you know, and you're like,

0:42:28.360 --> 0:42:31.360
<v Speaker 5>you're so used to having that, and it's really really

0:42:31.440 --> 0:42:32.760
<v Speaker 5>hard to stay on track.

0:42:32.960 --> 0:42:35.040
<v Speaker 2>You know. You gotta be really strong minded.

0:42:35.600 --> 0:42:38.799
<v Speaker 5>And I think that's what helped me because I was

0:42:38.880 --> 0:42:43.120
<v Speaker 5>determined to do the right thing. I didn't want to

0:42:43.160 --> 0:42:47.080
<v Speaker 5>look over my shoulders anymore. Like that life became like crazy,

0:42:47.160 --> 0:42:49.359
<v Speaker 5>like I'm driving and I'm looking back, like to make

0:42:49.360 --> 0:42:52.160
<v Speaker 5>sure nobody's behind me and nobody's following me. Like I

0:42:52.200 --> 0:42:54.319
<v Speaker 5>don't want to live like that my whole life. You know,

0:42:54.520 --> 0:42:57.760
<v Speaker 5>it gets like when do you really say enough is enough?

0:42:58.440 --> 0:43:02.839
<v Speaker 5>You know, like it's really especially when you keep surrounding

0:43:02.880 --> 0:43:07.080
<v Speaker 5>yourself around the same individuals. Like that was the first

0:43:07.120 --> 0:43:09.600
<v Speaker 5>step for me. I had to let go, Like I

0:43:09.640 --> 0:43:12.719
<v Speaker 5>still speak to people like from a distance, don't hang

0:43:12.760 --> 0:43:14.960
<v Speaker 5>out with them, don't call them, but if I see them, hello,

0:43:15.520 --> 0:43:17.160
<v Speaker 5>But I just had to let go.

0:43:17.400 --> 0:43:19.000
<v Speaker 2>It was no other way. Oh, I would have.

0:43:19.000 --> 0:43:21.799
<v Speaker 5>Been right back up in that same thing because they're

0:43:21.840 --> 0:43:23.000
<v Speaker 5>doing the same exact thing.

0:43:23.320 --> 0:43:26.000
<v Speaker 2>You know, I want to join.

0:43:26.520 --> 0:43:28.640
<v Speaker 4>I want to join my son and saying that it's

0:43:28.760 --> 0:43:29.840
<v Speaker 4>very inspirational.

0:43:29.960 --> 0:43:31.000
<v Speaker 2>Listen to your story.

0:43:31.440 --> 0:43:35.120
<v Speaker 4>You know, all of us, as not all of us,

0:43:35.160 --> 0:43:38.160
<v Speaker 4>but most of us who were black folks that or

0:43:38.239 --> 0:43:41.719
<v Speaker 4>people in general who live in the world know somebody

0:43:41.760 --> 0:43:45.399
<v Speaker 4>who got caught up right, But oftentimes we don't find

0:43:45.440 --> 0:43:48.319
<v Speaker 4>people who were able to turn their lives around and

0:43:48.440 --> 0:43:53.600
<v Speaker 4>be as progressive, as beautiful, you know, as inspirational as

0:43:53.680 --> 0:43:56.360
<v Speaker 4>you are. And so I'm really happy to hear it

0:43:56.360 --> 0:43:58.560
<v Speaker 4>at a story that could have gone in a total

0:43:58.600 --> 0:44:01.920
<v Speaker 4>different direction, win in the right direction, and that you

0:44:02.000 --> 0:44:05.440
<v Speaker 4>are now an inspiration for others. So I just also

0:44:05.600 --> 0:44:08.279
<v Speaker 4>want to give you your flowers and you know, give

0:44:08.400 --> 0:44:11.399
<v Speaker 4>and really just encourage you to stay on the right track.

0:44:11.480 --> 0:44:14.279
<v Speaker 4>Right like we it's a it's a process for each

0:44:14.320 --> 0:44:18.160
<v Speaker 4>one of us every day to talk to ourselves to say,

0:44:18.480 --> 0:44:21.080
<v Speaker 4>you know, don't go out and slap the lady who.

0:44:20.920 --> 0:44:23.919
<v Speaker 2>Got on our nerves. You know, don't go out and

0:44:24.040 --> 0:44:27.040
<v Speaker 2>you know and do something that could ruin our lives.

0:44:27.160 --> 0:44:30.799
<v Speaker 4>And so just make that encouragement for you before you go.

0:44:31.640 --> 0:44:34.960
<v Speaker 4>Tell us what people need to be looking for. We

0:44:35.160 --> 0:44:38.399
<v Speaker 4>just came out the holiday season, and I know, even

0:44:38.440 --> 0:44:41.040
<v Speaker 4>with me, I have to force myself. You know, there

0:44:41.080 --> 0:44:42.600
<v Speaker 4>was a point in my life where I didn't really

0:44:42.640 --> 0:44:43.240
<v Speaker 4>have anything.

0:44:43.280 --> 0:44:46.279
<v Speaker 2>So I knew if two dollars was missing off the bat,

0:44:46.320 --> 0:44:48.080
<v Speaker 2>because you know, it was nothing in there you had

0:44:48.120 --> 0:44:50.879
<v Speaker 2>for dollars. All of a sudden, I'm trying to spend

0:44:50.960 --> 0:44:54.560
<v Speaker 2>thirteen and it says that it's declined. I'm like, Yo,

0:44:54.880 --> 0:44:57.799
<v Speaker 2>what happened? I know this is what we have. But

0:44:57.960 --> 0:45:00.280
<v Speaker 2>now that you know I.

0:45:00.120 --> 0:45:04.920
<v Speaker 4>Have more resources, I have to always check every line

0:45:05.120 --> 0:45:08.359
<v Speaker 4>of my statement to see where my money is going

0:45:08.440 --> 0:45:11.839
<v Speaker 4>and coming. And another thing that I found, I'm gonna

0:45:11.880 --> 0:45:14.759
<v Speaker 4>send things back person, so I order it because I

0:45:14.800 --> 0:45:17.920
<v Speaker 4>really like to shop in the store, but clearly they've

0:45:17.960 --> 0:45:21.719
<v Speaker 4>taken all the good stuff out the stores and everything online.

0:45:22.320 --> 0:45:25.960
<v Speaker 4>So when you send things back, you have to monitor

0:45:26.080 --> 0:45:29.240
<v Speaker 4>whether or not that money came back into your account from.

0:45:29.120 --> 0:45:32.279
<v Speaker 2>The rest because it doesn't just show up. You have

0:45:32.400 --> 0:45:35.840
<v Speaker 2>to actually know your money in order to be true out.

0:45:36.160 --> 0:45:37.319
<v Speaker 2>So these are things that.

0:45:37.360 --> 0:45:40.360
<v Speaker 4>As I'm getting older, I'm trying to actually pay attention to.

0:45:40.480 --> 0:45:42.279
<v Speaker 4>So tell us what are things we need to be

0:45:42.360 --> 0:45:43.279
<v Speaker 4>you know, looking for.

0:45:44.560 --> 0:45:47.279
<v Speaker 2>So you definitely have to have.

0:45:48.680 --> 0:45:51.880
<v Speaker 5>There's something you can put on each credit card basically,

0:45:52.400 --> 0:45:54.880
<v Speaker 5>you know, when you call up your credit card company,

0:45:55.160 --> 0:45:56.520
<v Speaker 5>you can tell them that you want to.

0:45:56.520 --> 0:45:58.720
<v Speaker 2>Put alerts on and what those alerts.

0:45:58.840 --> 0:46:02.399
<v Speaker 5>What it does is like it basically it knows how

0:46:02.440 --> 0:46:04.600
<v Speaker 5>you use that card, and if it's something out of

0:46:04.640 --> 0:46:06.520
<v Speaker 5>the ordinary, it will alert you or send you a

0:46:06.560 --> 0:46:08.600
<v Speaker 5>text and say, hey, is this you using your card?

0:46:08.840 --> 0:46:13.840
<v Speaker 5>Yes or no? Like that's extremely important to have. Two

0:46:13.920 --> 0:46:18.120
<v Speaker 5>when you receive those emails, that says that your email address,

0:46:18.160 --> 0:46:21.880
<v Speaker 5>your password has been compromised. To change it immediately, because

0:46:21.920 --> 0:46:23.520
<v Speaker 5>a lot of times what the hack is what they

0:46:23.600 --> 0:46:24.120
<v Speaker 5>do is.

0:46:24.200 --> 0:46:26.520
<v Speaker 2>They'll take your information and they won't use it right

0:46:26.520 --> 0:46:28.920
<v Speaker 2>then and there. They'll hold on to it. You know,

0:46:29.040 --> 0:46:30.520
<v Speaker 2>they'll wait a couple of months.

0:46:30.360 --> 0:46:32.520
<v Speaker 5>Down the line where you're not thinking about it, and

0:46:32.560 --> 0:46:34.359
<v Speaker 5>then they'll that's when they'll go in and use it.

0:46:35.000 --> 0:46:38.719
<v Speaker 5>You know, check your credit report. You can get one

0:46:38.760 --> 0:46:39.960
<v Speaker 5>free credit report a year.

0:46:40.960 --> 0:46:44.560
<v Speaker 2>Check it. It's important. Credit comment is free. You know,

0:46:44.680 --> 0:46:47.920
<v Speaker 2>look at these would you also pay? Like, would you

0:46:47.960 --> 0:46:51.040
<v Speaker 2>suggest because you know, we love free, but sometimes free

0:46:51.600 --> 0:46:53.880
<v Speaker 2>is not going to be like the end door be

0:46:54.040 --> 0:46:56.520
<v Speaker 2>all and we should actually be paying at nineteen ninety

0:46:56.600 --> 0:46:59.640
<v Speaker 2>nine or whatever a month to get the credit report,

0:46:59.680 --> 0:47:03.600
<v Speaker 2>like fourteen ninety nine for your Netflix and all those

0:47:03.640 --> 0:47:04.120
<v Speaker 2>other things.

0:47:04.200 --> 0:47:06.560
<v Speaker 5>Right, I was, yep, I was definitely gonna say that.

0:47:06.719 --> 0:47:10.399
<v Speaker 5>Identity IQ is a really good one. You know, it's

0:47:10.640 --> 0:47:13.920
<v Speaker 5>twenty seven or twenty five ninety nine, But it's important

0:47:14.200 --> 0:47:18.000
<v Speaker 5>because not only do they send you alerts, they monitor

0:47:18.200 --> 0:47:22.239
<v Speaker 5>everything and they'll send you twenty five emails a day

0:47:22.440 --> 0:47:24.840
<v Speaker 5>telling you about your credit like you know, this is

0:47:24.920 --> 0:47:27.960
<v Speaker 5>out of the ordinary. Your email was compromised, Like it

0:47:28.000 --> 0:47:30.360
<v Speaker 5>gives you all of the alerts and that you have

0:47:30.520 --> 0:47:33.719
<v Speaker 5>to pay attention to because it's so easy right now

0:47:33.840 --> 0:47:36.520
<v Speaker 5>for people to access your information. You think your passport,

0:47:36.680 --> 0:47:40.600
<v Speaker 5>and especially if you're someone who used one password for everything,

0:47:41.400 --> 0:47:42.080
<v Speaker 5>switch it up.

0:47:42.520 --> 0:47:43.160
<v Speaker 2>Don't do that.

0:47:43.600 --> 0:47:47.279
<v Speaker 5>Don't use the same password for every card or for

0:47:47.360 --> 0:47:49.920
<v Speaker 5>your cell phone, like, because once they have that one

0:47:50.400 --> 0:47:52.200
<v Speaker 5>a hacker, they're gonna check and see if you know

0:47:52.360 --> 0:47:54.720
<v Speaker 5>the rest of your information is with that same password.

0:47:54.719 --> 0:47:56.920
<v Speaker 5>And I know I'm guilty of that. You know, I'm

0:47:56.920 --> 0:48:00.080
<v Speaker 5>guilty of using one password. But now that I know

0:48:00.520 --> 0:48:02.520
<v Speaker 5>how they do it, I switch it up. You know,

0:48:02.640 --> 0:48:07.240
<v Speaker 5>even if you add a money sign or corenescy, anything,

0:48:07.360 --> 0:48:08.920
<v Speaker 5>just anything, just switch it up.

0:48:09.280 --> 0:48:10.040
<v Speaker 2>That's important.

0:48:11.040 --> 0:48:16.120
<v Speaker 3>So you have a credit company and you do credit repair.

0:48:16.200 --> 0:48:19.000
<v Speaker 3>What is your company's name? How can we find you?

0:48:19.320 --> 0:48:21.319
<v Speaker 3>We need everybody to reach out to you so we

0:48:21.320 --> 0:48:24.560
<v Speaker 3>can get you some customers so we can be credit literate.

0:48:25.239 --> 0:48:26.560
<v Speaker 1>You have our credit fixed?

0:48:27.480 --> 0:48:27.680
<v Speaker 2>Yes?

0:48:27.840 --> 0:48:31.920
<v Speaker 5>So my name on Instagram is Wanna god Class at

0:48:31.960 --> 0:48:34.279
<v Speaker 5>Wanna Got Class. The name of my company is called

0:48:34.320 --> 0:48:37.800
<v Speaker 5>the Real Credit Pro. That's on Instagram. You can also

0:48:37.880 --> 0:48:40.680
<v Speaker 5>go to the real credit Pro dot com. You can

0:48:40.719 --> 0:48:44.320
<v Speaker 5>also find me on Shwana King dot com.

0:48:44.360 --> 0:48:46.160
<v Speaker 2>You know, you can hit me up anything that you

0:48:46.280 --> 0:48:51.400
<v Speaker 2>need credit related. I got you. We are extremely affordable

0:48:51.480 --> 0:48:55.560
<v Speaker 2>five people, you know, and four ninety nine.

0:48:55.640 --> 0:48:58.920
<v Speaker 5>Basically, we'll remove all of the derogatory accounts off your credit.

0:48:59.120 --> 0:49:01.560
<v Speaker 5>Anything that's negati for your credit, we'll get it off.

0:49:02.960 --> 0:49:05.759
<v Speaker 1>Okay, listen, you know it's all about.

0:49:05.480 --> 0:49:08.720
<v Speaker 2>The second chance. Your credit.

0:49:08.920 --> 0:49:10.759
<v Speaker 5>You can fix it, you know, and you have a

0:49:10.800 --> 0:49:14.279
<v Speaker 5>second chance, like I just I'm a strong believer in

0:49:14.400 --> 0:49:15.320
<v Speaker 5>second chances.

0:49:16.160 --> 0:49:17.520
<v Speaker 2>Definitely, we need you know.

0:49:17.760 --> 0:49:19.400
<v Speaker 3>That was one of the things when I came home.

0:49:19.680 --> 0:49:22.040
<v Speaker 3>I didn't even understand credit. I didn't know none of that,

0:49:22.400 --> 0:49:24.239
<v Speaker 3>and I got somebody that got me in tune with

0:49:24.239 --> 0:49:26.920
<v Speaker 3>it and realized how you can't even live without credit

0:49:27.000 --> 0:49:30.160
<v Speaker 3>right now. You know, it's pretty much you can't do nothing.

0:49:30.239 --> 0:49:33.560
<v Speaker 3>So this is definitely a service that's needed, especially for

0:49:33.640 --> 0:49:36.840
<v Speaker 3>returning citizens. You know, they're coming back trying to be

0:49:36.920 --> 0:49:40.120
<v Speaker 3>productive and evolve. Man, So thank you for your work.

0:49:40.600 --> 0:49:44.840
<v Speaker 3>Thank you for your evolution. Continue to be great, looking great.

0:49:45.600 --> 0:49:47.279
<v Speaker 2>Thank you go out you.

0:49:47.200 --> 0:49:49.560
<v Speaker 1>Should all of y'all. Man, just keep being dope.

0:49:49.560 --> 0:49:54.000
<v Speaker 2>Man so much for having me. I really appreciate it. Yeah,

0:49:54.040 --> 0:49:57.000
<v Speaker 2>we'll have you back again. Thank you so much. Guys,

0:49:57.160 --> 0:49:59.640
<v Speaker 2>thank you to me, the thank you my son happy

0:49:59.640 --> 0:50:01.120
<v Speaker 2>thank you YouTube.

0:50:04.239 --> 0:50:07.440
<v Speaker 4>I mean, really really important information and to hear it

0:50:07.560 --> 0:50:10.960
<v Speaker 4>wrapped in a real story like she's trying, you know,

0:50:10.960 --> 0:50:13.719
<v Speaker 4>because sometimes we as black folks, we'd be like, oh,

0:50:14.000 --> 0:50:16.240
<v Speaker 4>nobody got time for that. I don't have no money.

0:50:16.440 --> 0:50:20.080
<v Speaker 4>But she's trying to tell you that you can actually

0:50:20.400 --> 0:50:23.560
<v Speaker 4>the credit you don't think you can get. She could

0:50:23.600 --> 0:50:27.600
<v Speaker 4>have been able to increase the limit, get more money

0:50:27.640 --> 0:50:30.400
<v Speaker 4>on your card, use it in a way that you

0:50:30.480 --> 0:50:31.279
<v Speaker 4>don't even know how.

0:50:31.360 --> 0:50:33.439
<v Speaker 2>Because these people are actual professionals.

0:50:33.480 --> 0:50:38.000
<v Speaker 4>There's somebody sitting in another country working on increasing your

0:50:38.080 --> 0:50:41.160
<v Speaker 4>limit right now, making sure like somebody try to call

0:50:41.200 --> 0:50:44.200
<v Speaker 4>me the other day, they were actually trying to get

0:50:44.200 --> 0:50:48.560
<v Speaker 4>into my Verizon account and having Verizon send me the

0:50:48.600 --> 0:50:50.640
<v Speaker 4>alert that if I would have clicked it, it would

0:50:50.640 --> 0:50:53.440
<v Speaker 4>have allowed them to get in. They probably would have

0:50:53.560 --> 0:50:56.240
<v Speaker 4>ordered cell phones, worked out.

0:50:56.080 --> 0:50:59.680
<v Speaker 2>A deal, all kinds of things that they know how

0:50:59.680 --> 0:51:02.200
<v Speaker 2>to do, and so we have to actually pay attention

0:51:02.680 --> 0:51:05.799
<v Speaker 2>I right now. The thing that that I just don't

0:51:05.880 --> 0:51:09.880
<v Speaker 2>understand is why if somebody sends you a DM on

0:51:10.040 --> 0:51:12.760
<v Speaker 2>cash app and tells you to send me five hundred

0:51:12.840 --> 0:51:15.640
<v Speaker 2>dollars one thousand dollars and you know the person has

0:51:15.680 --> 0:51:18.680
<v Speaker 2>your telephone number. Why do people do that?

0:51:19.239 --> 0:51:21.320
<v Speaker 1>Because sometimes you just be comfortable.

0:51:21.400 --> 0:51:23.520
<v Speaker 3>Somebody got me for like fifty dollars one time because

0:51:23.520 --> 0:51:26.200
<v Speaker 3>it was somebody that I don't normally talk to that

0:51:26.280 --> 0:51:28.600
<v Speaker 3>I might just see you on Instagram a lot. That's

0:51:28.600 --> 0:51:31.360
<v Speaker 3>cool with me, and was like, hey, I need a favor?

0:51:31.400 --> 0:51:32.399
<v Speaker 3>Can you leave me fifty dollars?

0:51:32.480 --> 0:51:34.360
<v Speaker 1>Now? Fifty dollars? You're not even thinking about it.

0:51:34.400 --> 0:51:36.719
<v Speaker 3>You're like, okay, if they seeing you a DM fifty,

0:51:36.840 --> 0:51:38.759
<v Speaker 3>But if you ask me for five hundred dollars and

0:51:38.800 --> 0:51:40.400
<v Speaker 3>you got my phone number and you DM and me,

0:51:40.560 --> 0:51:42.640
<v Speaker 3>then that's a real issue for me. So I think

0:51:42.840 --> 0:51:45.480
<v Speaker 3>for me, fifty dollars was like all right, cool, and

0:51:45.520 --> 0:51:46.799
<v Speaker 3>I wasn't even thinking about it.

0:51:47.040 --> 0:51:48.759
<v Speaker 1>And then by the time I figured out I thought

0:51:48.800 --> 0:51:50.880
<v Speaker 1>about it, I'm like, yo, did you just send me this?

0:51:51.000 --> 0:51:53.680
<v Speaker 3>And it's like no, My thing was halfed, So you

0:51:53.719 --> 0:51:55.440
<v Speaker 3>know it's it's it's a quick scheme.

0:51:55.840 --> 0:52:00.000
<v Speaker 2>They got not even fifty dollars? Am I sending you?

0:52:00.360 --> 0:52:05.040
<v Speaker 2>Not even fifty? Not even five dollars? Will I send

0:52:05.520 --> 0:52:08.040
<v Speaker 2>to somebody that sends me a DM? You have to

0:52:08.080 --> 0:52:10.960
<v Speaker 2>ask me for my phone number and then we will

0:52:11.000 --> 0:52:13.000
<v Speaker 2>speak on the telephone and you could tell me what

0:52:13.080 --> 0:52:15.719
<v Speaker 2>your problems. I'm just I'm just not going.

0:52:15.719 --> 0:52:18.440
<v Speaker 3>To go I mean, listen, I learned the hallway. I

0:52:18.480 --> 0:52:21.399
<v Speaker 3>agree with you. For now, we'll not even find out

0:52:21.600 --> 0:52:22.240
<v Speaker 3>you got.

0:52:25.239 --> 0:52:28.319
<v Speaker 4>Everything that Shawuana was talking about is so important because

0:52:28.320 --> 0:52:30.799
<v Speaker 4>it was really technical in terms of what to look for,

0:52:31.280 --> 0:52:34.160
<v Speaker 4>in terms of how people get in track right and

0:52:34.200 --> 0:52:36.719
<v Speaker 4>how they get caught up in the system. You know,

0:52:36.800 --> 0:52:39.760
<v Speaker 4>she's done prison time for this, so she's really truly

0:52:39.800 --> 0:52:42.799
<v Speaker 4>an expert that people need to be listening to. But

0:52:42.880 --> 0:52:47.000
<v Speaker 4>the fact that she took that experience and turned it

0:52:47.160 --> 0:52:50.680
<v Speaker 4>into something that's positive for our communities is really important

0:52:50.719 --> 0:52:53.400
<v Speaker 4>because she's got a lot of give back that she

0:52:53.600 --> 0:52:58.800
<v Speaker 4>needs to do to repair and just to heal herself

0:52:58.800 --> 0:53:01.239
<v Speaker 4>from the trauma that has been cause to others in

0:53:01.320 --> 0:53:02.080
<v Speaker 4>the prison time.

0:53:02.480 --> 0:53:03.800
<v Speaker 2>But now we're.

0:53:03.640 --> 0:53:06.319
<v Speaker 4>Talking to someone who is sort of on the other

0:53:06.520 --> 0:53:08.040
<v Speaker 4>side of the conversation.

0:53:08.920 --> 0:53:12.920
<v Speaker 2>A financial expert. She is an author of two books,

0:53:12.960 --> 0:53:18.239
<v Speaker 2>Financial Counication and The Four Financial Languages. They call her

0:53:18.280 --> 0:53:20.919
<v Speaker 2>a mad of Money. Thank you so much for being

0:53:20.960 --> 0:53:22.560
<v Speaker 2>with us, Tara Jackson.

0:53:23.120 --> 0:53:25.920
<v Speaker 3>Lot of money that's now that's the name queen. I

0:53:25.960 --> 0:53:28.920
<v Speaker 3>appreciate that name. Man, thank you for being here with

0:53:29.000 --> 0:53:29.440
<v Speaker 3>us today.

0:53:29.840 --> 0:53:31.160
<v Speaker 2>My pleasure, my pleasure.

0:53:32.880 --> 0:53:36.160
<v Speaker 3>So give us give us some insight on what exactly

0:53:36.200 --> 0:53:39.520
<v Speaker 3>you do. How did you start on this road to

0:53:39.640 --> 0:53:43.000
<v Speaker 3>being mat of money? You know, how long you been

0:53:43.040 --> 0:53:46.160
<v Speaker 3>doing this? For twenty plus years? Like, how did this start?

0:53:46.560 --> 0:53:49.520
<v Speaker 2>Yeah, I've been in the financial services game for over

0:53:49.560 --> 0:53:52.839
<v Speaker 2>twenty years, which completely lies about my age. Yeah, I'm

0:53:52.880 --> 0:53:58.000
<v Speaker 2>only sixteen for the right eleventh time whatever or twenty

0:53:58.040 --> 0:54:02.600
<v Speaker 2>eleventh time. I started off in the credit card industry.

0:54:02.680 --> 0:54:05.760
<v Speaker 2>I was a telemarketer, uh and I sold credit cards

0:54:05.880 --> 0:54:10.920
<v Speaker 2>very well with eighteen percent and forty dollars annual annual fees,

0:54:10.960 --> 0:54:14.120
<v Speaker 2>and I was the queen of selling credit cards over

0:54:14.160 --> 0:54:17.560
<v Speaker 2>the phone. But I decided to stay in the game

0:54:17.640 --> 0:54:20.880
<v Speaker 2>because being a telemarketer helped me to get the extra

0:54:20.920 --> 0:54:23.760
<v Speaker 2>money while I was in college. And then I started

0:54:23.840 --> 0:54:26.400
<v Speaker 2>learning the business, started learning credit and then I started,

0:54:26.440 --> 0:54:29.440
<v Speaker 2>you know, got job as a loan officer, and I

0:54:29.520 --> 0:54:33.120
<v Speaker 2>just matriculated in the financial services industry. I really it

0:54:33.200 --> 0:54:35.880
<v Speaker 2>wasn't my you know, lifelong dream to be in the

0:54:35.880 --> 0:54:38.840
<v Speaker 2>financial services industry. I just ended there because I wanted

0:54:38.840 --> 0:54:42.880
<v Speaker 2>the money, and it was a legal way for me

0:54:42.960 --> 0:54:44.880
<v Speaker 2>to do it and to learn the game, because what

0:54:44.920 --> 0:54:48.760
<v Speaker 2>I realized with the financial services industry is that banks

0:54:48.800 --> 0:54:52.200
<v Speaker 2>are playing chess, the consumers are playing checkers. That's why

0:54:52.440 --> 0:54:55.080
<v Speaker 2>a lot of consumers getting played because they just don't

0:54:55.160 --> 0:54:57.799
<v Speaker 2>understand the game of it. So I wanted to learn

0:54:57.840 --> 0:55:01.800
<v Speaker 2>the game, and I've circulated up to I was a

0:55:01.920 --> 0:55:05.480
<v Speaker 2>VP of lending of a credit union in Delaware, ended

0:55:05.520 --> 0:55:08.840
<v Speaker 2>up being the vice president of a credit union and

0:55:08.880 --> 0:55:11.439
<v Speaker 2>then the interim president and CEO of a credit union

0:55:11.480 --> 0:55:14.719
<v Speaker 2>in Atlanta, Georgia. And while I was there, I just

0:55:14.800 --> 0:55:18.000
<v Speaker 2>realized that I wanted to start giving back to the

0:55:18.040 --> 0:55:21.360
<v Speaker 2>community and I and teach them the game. So I

0:55:21.360 --> 0:55:24.880
<v Speaker 2>wrote the book Financial Forunication. And the reason why I

0:55:24.960 --> 0:55:27.920
<v Speaker 2>called it financial Funication is because people were okay about

0:55:28.239 --> 0:55:30.520
<v Speaker 2>talking about sex, who they slept with, who they wanted

0:55:30.520 --> 0:55:32.320
<v Speaker 2>to sleep with, and all of that stuff, but nobody

0:55:32.320 --> 0:55:35.239
<v Speaker 2>wanted to talk about their crappy credit and the fact

0:55:35.239 --> 0:55:37.560
<v Speaker 2>that they didn't have me savings or they weren't investing.

0:55:37.960 --> 0:55:41.040
<v Speaker 2>So I figured, if sex can sell a cheeseberg with Harty's,

0:55:41.080 --> 0:55:44.400
<v Speaker 2>sex can sell financial literacy with Madam Money. And so

0:55:44.680 --> 0:55:48.640
<v Speaker 2>that's how that became in financial forunication derived and so

0:55:48.719 --> 0:55:53.600
<v Speaker 2>I quit my job as a financial professional and I

0:55:53.640 --> 0:55:57.560
<v Speaker 2>turned into a financial advocate and promoting in financial education.

0:55:57.719 --> 0:56:02.080
<v Speaker 2>And so that's where Matt Money gave That's why I

0:56:02.080 --> 0:56:03.120
<v Speaker 2>gave birth to amount of money.

0:56:03.160 --> 0:56:03.680
<v Speaker 1>I guess.

0:56:04.560 --> 0:56:10.359
<v Speaker 2>So you come from the mind frame that fraud and

0:56:10.480 --> 0:56:14.319
<v Speaker 2>credit issues it doesn't just impact the one person. I

0:56:14.320 --> 0:56:17.400
<v Speaker 2>think I read somewhere that you said it feels victimless

0:56:17.440 --> 0:56:20.320
<v Speaker 2>when people are out, like, you know, swiping cards and

0:56:21.360 --> 0:56:26.960
<v Speaker 2>harming others. But you're saying that you feel like it

0:56:27.200 --> 0:56:30.640
<v Speaker 2>or you know that it impacts the entire community, that

0:56:30.719 --> 0:56:33.560
<v Speaker 2>it hurts all of us when our credit is not

0:56:33.760 --> 0:56:36.480
<v Speaker 2>up to speed. Can you talk a little bit about that.

0:56:36.680 --> 0:56:38.080
<v Speaker 2>I know that people.

0:56:37.880 --> 0:56:43.080
<v Speaker 4>Are concerned about wealth. They're starting to understand and they're

0:56:43.120 --> 0:56:47.280
<v Speaker 4>starting to be an awareness around wealth and the wealth gap.

0:56:47.360 --> 0:56:49.920
<v Speaker 4>You see people talking about it, but I'm not sure

0:56:49.960 --> 0:56:55.200
<v Speaker 4>that folks have connected how credit is directly impacting our

0:56:55.560 --> 0:57:00.600
<v Speaker 4>wealth issues or the wealth gap. And then also for me,

0:57:00.719 --> 0:57:02.799
<v Speaker 4>it's like, if my credit is messed up, what does

0:57:02.840 --> 0:57:06.040
<v Speaker 4>that have to do with you know, another neighbor of mine?

0:57:06.640 --> 0:57:09.719
<v Speaker 2>Okay, well, you know it's back to I teach a

0:57:09.760 --> 0:57:14.080
<v Speaker 2>class called Young Money to college and high school students,

0:57:14.080 --> 0:57:17.400
<v Speaker 2>and the first class is cream Credit rules everything around me,

0:57:17.760 --> 0:57:20.720
<v Speaker 2>and it teaches them about credit, what credit is, and

0:57:20.760 --> 0:57:23.160
<v Speaker 2>how it affects you. So it not only affects you

0:57:23.240 --> 0:57:25.760
<v Speaker 2>getting stuff and you know, buying things, but it can

0:57:25.800 --> 0:57:27.960
<v Speaker 2>affect how you know, if you can get a job.

0:57:28.440 --> 0:57:30.640
<v Speaker 2>It affects how much you're going to pay for everything.

0:57:31.000 --> 0:57:33.320
<v Speaker 2>It affects utilities, you know, if you're going to get

0:57:33.320 --> 0:57:34.840
<v Speaker 2>a cell phone, or how much you're going to pay

0:57:34.880 --> 0:57:37.600
<v Speaker 2>for it. So the lower your credit score, the more

0:57:37.600 --> 0:57:40.439
<v Speaker 2>you're going to pay. So it affects you and your

0:57:40.720 --> 0:57:45.840
<v Speaker 2>macro economics as far as you and your family space,

0:57:46.120 --> 0:57:49.360
<v Speaker 2>but the micro in the areas. You know, it's going

0:57:49.440 --> 0:57:51.720
<v Speaker 2>to affect what kind of house you can live in,

0:57:51.880 --> 0:57:54.080
<v Speaker 2>where you can live and all of that. So it

0:57:54.120 --> 0:57:57.440
<v Speaker 2>affects your community space and where you are. And So

0:57:57.800 --> 0:58:00.640
<v Speaker 2>although I don't think credit is everything, and credit is

0:58:00.640 --> 0:58:04.280
<v Speaker 2>a very significant part of us when it comes to

0:58:04.360 --> 0:58:07.120
<v Speaker 2>wealth building, because credit is supposed to be a tool, right,

0:58:07.440 --> 0:58:10.000
<v Speaker 2>It's supposed to be leveraged. It's not supposed to be

0:58:11.480 --> 0:58:13.840
<v Speaker 2>something that pools you back or hinders you or keeping

0:58:13.880 --> 0:58:16.600
<v Speaker 2>you you're supposed to be able to use credit, to

0:58:16.760 --> 0:58:20.680
<v Speaker 2>be able to leverage to purchase homes, or to get

0:58:20.720 --> 0:58:24.320
<v Speaker 2>investment properties, or to do whatever. If you do it

0:58:24.360 --> 0:58:26.400
<v Speaker 2>the right way. If you do it the wrong way

0:58:26.480 --> 0:58:29.760
<v Speaker 2>and you do it in a matter of fraud, eventually

0:58:29.880 --> 0:58:32.560
<v Speaker 2>everything's going to be tracked to you. Because one thing

0:58:32.680 --> 0:58:35.880
<v Speaker 2>that is tracked is credit, how you use it, where

0:58:35.920 --> 0:58:38.920
<v Speaker 2>you use it, and all that. As we saw in

0:58:38.960 --> 0:58:41.080
<v Speaker 2>the episode the Young Lady was in, is that it

0:58:41.240 --> 0:58:44.920
<v Speaker 2>tracks everything. It also doesn't affect just you, but it

0:58:44.960 --> 0:58:48.120
<v Speaker 2>affects everyone dealing in the financial institution. That it affects

0:58:48.360 --> 0:58:51.120
<v Speaker 2>because the more fraud the financial institution has to deal with,

0:58:51.360 --> 0:58:53.480
<v Speaker 2>that means we're probably going to have to increase the

0:58:53.520 --> 0:58:56.880
<v Speaker 2>fees to compensate for all the fraud or the losses

0:58:56.880 --> 0:58:59.320
<v Speaker 2>that we have. So then that's going to affect you.

0:59:00.040 --> 0:59:02.920
<v Speaker 2>It's how much you're paying for financial services if you

0:59:02.960 --> 0:59:04.880
<v Speaker 2>can get the financial services.

0:59:05.560 --> 0:59:07.160
<v Speaker 1>Wow, that's a lot.

0:59:08.440 --> 0:59:11.000
<v Speaker 3>Just listening to you, you can tell that you've really done

0:59:11.080 --> 0:59:13.760
<v Speaker 3>a lot of homework. What do you think is one

0:59:13.800 --> 0:59:17.680
<v Speaker 3>of the biggest misconceptions that we, you know, have about

0:59:17.840 --> 0:59:21.320
<v Speaker 3>credit or money that black people reason why we spend it?

0:59:21.360 --> 0:59:23.640
<v Speaker 3>So fast, so we don't A lot of us don't

0:59:24.160 --> 0:59:26.680
<v Speaker 3>really accumulated the way we should. What do you think

0:59:26.760 --> 0:59:29.240
<v Speaker 3>is one of the biggest problems that contribute to that.

0:59:29.800 --> 0:59:32.919
<v Speaker 2>Well, I've wrote a book called the Four Financial Languages, Right,

0:59:33.000 --> 0:59:35.959
<v Speaker 2>So if you're familiar with love languages, I talk about

0:59:36.000 --> 0:59:39.240
<v Speaker 2>the financial languages. And a lot of people don't really

0:59:39.360 --> 0:59:42.880
<v Speaker 2>understand their dominant financial language. And because they don't understand

0:59:42.880 --> 0:59:47.800
<v Speaker 2>the dominant financial language, it either controls them subconsciously or

0:59:48.000 --> 0:59:50.520
<v Speaker 2>they don't learn what they need to know or understand

0:59:50.680 --> 0:59:53.320
<v Speaker 2>to be able to build that wealth. Right. So, my

0:59:53.400 --> 0:59:57.040
<v Speaker 2>dominant financial language is spending. I'm a spender. My pleasure

0:59:57.080 --> 1:00:00.760
<v Speaker 2>principle is in the transaction. There is something organic, orgasmic

1:00:01.240 --> 1:00:03.600
<v Speaker 2>about swiping or doing a transaction.

1:00:03.880 --> 1:00:04.080
<v Speaker 1>Right.

1:00:04.440 --> 1:00:06.960
<v Speaker 2>But because I understand that, I know how I need

1:00:07.000 --> 1:00:10.600
<v Speaker 2>to be communicated, about how I communicate and what I

1:00:10.720 --> 1:00:15.160
<v Speaker 2>need to be able to advance myself financially. So for

1:00:15.240 --> 1:00:17.520
<v Speaker 2>a spender, if you tell a spender to budget, when

1:00:17.520 --> 1:00:21.120
<v Speaker 2>we hear budget, we hear diet die deprivation. I can't

1:00:21.240 --> 1:00:23.640
<v Speaker 2>and we ain't got time for that negativity in our life, right,

1:00:24.160 --> 1:00:26.680
<v Speaker 2>And so what we do is we rebel, and so

1:00:26.760 --> 1:00:28.840
<v Speaker 2>we know we need to save, we know we need

1:00:28.880 --> 1:00:31.160
<v Speaker 2>to invest, but because it feels like people are trying

1:00:31.160 --> 1:00:34.080
<v Speaker 2>to force us into doing that, we're going to rebel

1:00:34.160 --> 1:00:36.520
<v Speaker 2>and we're going to spend. So if don't tell me

1:00:36.600 --> 1:00:38.960
<v Speaker 2>not to spend my money, because I'll spend my money,

1:00:39.000 --> 1:00:41.760
<v Speaker 2>your money, and everybody else's money. What you need to

1:00:41.800 --> 1:00:43.440
<v Speaker 2>teach me how to do is how to spend it

1:00:43.480 --> 1:00:46.400
<v Speaker 2>on savings, how to spend it on investing, how to

1:00:46.400 --> 1:00:49.440
<v Speaker 2>spend it on giving and then savers. You know, if

1:00:49.920 --> 1:00:52.640
<v Speaker 2>you want to save as a spender, we save to

1:00:52.800 --> 1:00:56.000
<v Speaker 2>spend later. Okay, So when we can learn how to

1:00:56.040 --> 1:00:59.280
<v Speaker 2>communicate about money, understand what my languages. So I'm not

1:00:59.320 --> 1:01:01.960
<v Speaker 2>going to go hang out at them all because especially

1:01:02.520 --> 1:01:04.200
<v Speaker 2>like a best buyer or something like that, because I'm

1:01:04.240 --> 1:01:06.640
<v Speaker 2>a gadget queen. I'm not hanging out there because I

1:01:06.720 --> 1:01:08.600
<v Speaker 2>know I'm going to buy things I don't need. So

1:01:08.640 --> 1:01:12.040
<v Speaker 2>when you understand who you are, you can understand your limitations.

1:01:12.800 --> 1:01:14.760
<v Speaker 2>And I think that's one of the biggest things is

1:01:14.760 --> 1:01:18.640
<v Speaker 2>that we don't really understand and respect our financial language

1:01:18.840 --> 1:01:21.640
<v Speaker 2>so that we can communicate better about money. Because when

1:01:21.680 --> 1:01:24.800
<v Speaker 2>we have our communication, communication is not just talking, it's

1:01:24.800 --> 1:01:27.600
<v Speaker 2>about thinking. It's about reacting and how we do that.

1:01:27.640 --> 1:01:29.920
<v Speaker 2>When we respect it and understand it, then we can

1:01:29.920 --> 1:01:33.360
<v Speaker 2>start making better decisions about money and wealth building and

1:01:33.400 --> 1:01:36.320
<v Speaker 2>how to do that for ourselves.

1:01:36.360 --> 1:01:39.640
<v Speaker 1>Wow, that's a lot, do you So?

1:01:39.720 --> 1:01:43.120
<v Speaker 2>Where do people? Where does one start? Right?

1:01:43.320 --> 1:01:47.600
<v Speaker 4>Like, you know, Okay, I'm twenty five years old, I'm

1:01:47.640 --> 1:01:50.200
<v Speaker 4>out of college, and now you know, I've got my

1:01:50.280 --> 1:01:51.040
<v Speaker 4>first job.

1:01:51.480 --> 1:01:52.560
<v Speaker 2>Of course, I've got my.

1:01:52.600 --> 1:01:55.520
<v Speaker 4>Student loans that need to be canceled, but you know,

1:01:55.800 --> 1:01:58.360
<v Speaker 4>we'll put that in a different show, right, that's a

1:01:58.360 --> 1:02:01.720
<v Speaker 4>whole other show. Yeah, different show. But you know, I've

1:02:01.720 --> 1:02:04.920
<v Speaker 4>got my student loans. But other than that, you know,

1:02:05.160 --> 1:02:09.880
<v Speaker 4>I don't really have any real responsibilities yet. What do

1:02:09.960 --> 1:02:13.320
<v Speaker 4>I do first? And how do we make it as

1:02:13.520 --> 1:02:18.360
<v Speaker 4>painless as possible for people to one understand and also

1:02:18.440 --> 1:02:21.480
<v Speaker 4>for them to get started? Because to your point, if

1:02:21.520 --> 1:02:24.040
<v Speaker 4>I've been waiting all my life for this job that

1:02:24.120 --> 1:02:28.520
<v Speaker 4>I now have, I'm I'm paralegal or you know whatever,

1:02:28.640 --> 1:02:32.240
<v Speaker 4>I'm you know, a nurse's assistant, and now I have

1:02:32.400 --> 1:02:35.640
<v Speaker 4>this nice check coming in, still living with my parents

1:02:35.760 --> 1:02:38.760
<v Speaker 4>or you know, making it happen, and then you tell

1:02:38.800 --> 1:02:41.680
<v Speaker 4>me all my money needs to be going towards investments

1:02:41.720 --> 1:02:45.200
<v Speaker 4>and saving, Well, what happens to the fun things that

1:02:45.240 --> 1:02:46.880
<v Speaker 4>I want to do or the things that I was.

1:02:46.880 --> 1:02:50.760
<v Speaker 2>Never able to afford exactly. And so I never tell

1:02:50.760 --> 1:02:52.720
<v Speaker 2>anybody you need to take all your check and spend

1:02:52.920 --> 1:02:55.360
<v Speaker 2>and invest it all and everything like that, because then

1:02:55.400 --> 1:02:58.360
<v Speaker 2>you're going to feel deprived. And deprivation is the beginning

1:02:58.400 --> 1:03:02.560
<v Speaker 2>of destruction. Right when we feel deprived of eating because

1:03:02.600 --> 1:03:05.560
<v Speaker 2>of diets, that is our that's the beginning of our

1:03:05.600 --> 1:03:08.160
<v Speaker 2>demise and destruction is now we're going to overeat because

1:03:08.160 --> 1:03:10.160
<v Speaker 2>I'm feeling deprived. I can't have my big MACI tell

1:03:10.240 --> 1:03:12.160
<v Speaker 2>me I can't have my big Mac anymore, and then

1:03:12.200 --> 1:03:15.960
<v Speaker 2>I ended up eating everything else that's not healthy. And

1:03:16.000 --> 1:03:18.520
<v Speaker 2>so what I tell people to do all the time

1:03:18.640 --> 1:03:21.880
<v Speaker 2>is you have to plan your spending. Name your dollars. Okay,

1:03:22.160 --> 1:03:24.040
<v Speaker 2>so if you want to get out of your mama's

1:03:24.040 --> 1:03:26.000
<v Speaker 2>and your daddy's house, well you know you're going to

1:03:26.080 --> 1:03:27.920
<v Speaker 2>need a down payment or you're going to need something,

1:03:28.000 --> 1:03:30.200
<v Speaker 2>So you're going to put money aside so you can

1:03:30.240 --> 1:03:32.919
<v Speaker 2>spend it on that later to help you get there. Now,

1:03:33.040 --> 1:03:37.640
<v Speaker 2>you know, start saving something sooner, definitely before you start

1:03:37.640 --> 1:03:40.640
<v Speaker 2>getting heavy debt. So we start getting heavy debt in

1:03:40.720 --> 1:03:43.200
<v Speaker 2>our thirties, right because we're getting the homes and the

1:03:43.280 --> 1:03:46.000
<v Speaker 2>nice cars and everything like that. In our twenties, we

1:03:46.080 --> 1:03:49.360
<v Speaker 2>have minimal debt. We have student loans, but you know,

1:03:49.800 --> 1:03:51.720
<v Speaker 2>they might as well cancel them. Like you said, I'm

1:03:51.760 --> 1:03:54.960
<v Speaker 2>very bitter about my student loans. But you know, start

1:03:55.240 --> 1:03:59.080
<v Speaker 2>putting aside money as much as you can because you're

1:03:59.080 --> 1:04:01.560
<v Speaker 2>going to need that cas later, whether you need it

1:04:01.560 --> 1:04:03.200
<v Speaker 2>for a down payment, whether you want to buy a

1:04:03.240 --> 1:04:05.760
<v Speaker 2>car or whatever. So most of the people were talking

1:04:05.800 --> 1:04:08.640
<v Speaker 2>to they are spenders, and a lot of people become

1:04:08.800 --> 1:04:13.120
<v Speaker 2>narcissistic spenders because they have never experienced this amount of money.

1:04:13.280 --> 1:04:15.520
<v Speaker 2>So I've been broke or my parents told me I

1:04:15.520 --> 1:04:16.800
<v Speaker 2>can't do it, and then all of a sudden, I

1:04:16.800 --> 1:04:20.120
<v Speaker 2>get this nice job and so now I'm making the money.

1:04:20.240 --> 1:04:22.400
<v Speaker 2>So you can't tell me not to spend my money.

1:04:22.480 --> 1:04:25.120
<v Speaker 2>I work hard for this. This is mine. So if

1:04:25.160 --> 1:04:27.720
<v Speaker 2>they don't have a plan or name their dollars, what's

1:04:27.720 --> 1:04:29.760
<v Speaker 2>going to happen is their dollars are going to dictate

1:04:30.080 --> 1:04:32.360
<v Speaker 2>what they can and can't do. So if they give

1:04:32.400 --> 1:04:35.000
<v Speaker 2>all their money out to the world, then the world's

1:04:35.040 --> 1:04:36.920
<v Speaker 2>not going to leave them anything back. Now, how do

1:04:36.960 --> 1:04:39.800
<v Speaker 2>you get started? Well, you get started, you can google.

1:04:39.840 --> 1:04:41.840
<v Speaker 2>Google's a girl. She knows everything. If you want to

1:04:41.920 --> 1:04:43.920
<v Speaker 2>learn about how do I invest, how do I do this,

1:04:44.040 --> 1:04:46.160
<v Speaker 2>or whatever, it's going to lead you to different apps.

1:04:46.160 --> 1:04:49.240
<v Speaker 2>It's going to lead you to money professionals like myself

1:04:49.520 --> 1:04:52.840
<v Speaker 2>or financial advisors or whatever. There's a whole black and

1:04:52.840 --> 1:04:56.400
<v Speaker 2>brown community of us that talk about financial literacy, you know,

1:04:56.440 --> 1:04:58.520
<v Speaker 2>depending on what you want to talk about. My girl

1:04:58.600 --> 1:05:01.400
<v Speaker 2>budget lista, my fab five finance. We have a whole

1:05:01.480 --> 1:05:03.920
<v Speaker 2>few of us out there, but a lot of people saying, well,

1:05:03.960 --> 1:05:06.680
<v Speaker 2>I don't know where to go. Hell, you google everything else.

1:05:07.000 --> 1:05:10.200
<v Speaker 2>You can google how to invest, how to build wealth,

1:05:10.440 --> 1:05:13.800
<v Speaker 2>you can do that. So that excuse I don't. I

1:05:13.800 --> 1:05:16.680
<v Speaker 2>don't play with that excuse anymore. So I don't give

1:05:16.720 --> 1:05:20.200
<v Speaker 2>sympathy to stupidity. Because if we want to learn something,

1:05:20.600 --> 1:05:22.560
<v Speaker 2>we will find a way to figure it out. We

1:05:22.600 --> 1:05:25.720
<v Speaker 2>will google it, we will ask the right person. Had

1:05:25.800 --> 1:05:28.240
<v Speaker 2>the young lady, she was brilliant, she had a brilliant mind.

1:05:28.320 --> 1:05:30.520
<v Speaker 2>She just used it in the wrong way. But she

1:05:30.680 --> 1:05:33.160
<v Speaker 2>figured things out. And we want to figure something out,

1:05:33.400 --> 1:05:34.720
<v Speaker 2>we'll figure it out.

1:05:35.200 --> 1:05:38.320
<v Speaker 3>That's a that's an amen moment, Right, we're gonna figure

1:05:38.360 --> 1:05:40.600
<v Speaker 3>it out or we're not gonna figure it out. So

1:05:40.640 --> 1:05:44.520
<v Speaker 3>based on being a financial you know, expert, and you

1:05:44.640 --> 1:05:47.760
<v Speaker 3>talked about how many how many more experts, especially we

1:05:47.840 --> 1:05:50.600
<v Speaker 3>have a lot of black financial experts out there. Do

1:05:50.680 --> 1:05:55.640
<v Speaker 3>you think that as a whole we're getting better with our.

1:05:55.520 --> 1:05:57.040
<v Speaker 1>Finances, that we're doing more.

1:05:57.080 --> 1:05:59.760
<v Speaker 3>Are you seeing, you know, more people moving in the

1:05:59.840 --> 1:06:03.240
<v Speaker 3>right diation with this information? Are you seeing the growth

1:06:03.280 --> 1:06:06.720
<v Speaker 3>of we're moving towards being more than just two percent

1:06:07.280 --> 1:06:09.120
<v Speaker 3>of the wealth in America? Do you think that we're

1:06:09.160 --> 1:06:10.520
<v Speaker 3>going to get past that eventually?

1:06:11.320 --> 1:06:13.160
<v Speaker 2>I do believe that we're going to get past that.

1:06:13.040 --> 1:06:15.360
<v Speaker 2>That's something that we're going to have to start training

1:06:15.360 --> 1:06:18.960
<v Speaker 2>ourselves to do and start teaching our children how to

1:06:19.040 --> 1:06:21.600
<v Speaker 2>do so that we can become better at it. Right,

1:06:21.800 --> 1:06:24.120
<v Speaker 2>so we can't teach what we don't know. The great

1:06:24.120 --> 1:06:26.680
<v Speaker 2>thing is it's now sexy. You know, we're making black

1:06:26.720 --> 1:06:30.280
<v Speaker 2>wealth sexy. Black wealth matters is sexy, so people want

1:06:30.320 --> 1:06:32.960
<v Speaker 2>to learn more about that and building legacy wealth and

1:06:33.000 --> 1:06:36.240
<v Speaker 2>building wealth. So more people are going to that mantra,

1:06:36.360 --> 1:06:39.360
<v Speaker 2>which is a good thing. The scary thing is is

1:06:39.360 --> 1:06:42.240
<v Speaker 2>that it gives people an opportunity to do the wrong thing.

1:06:42.520 --> 1:06:45.320
<v Speaker 2>So there's a lot of people building wealth with misinformation,

1:06:46.600 --> 1:06:50.000
<v Speaker 2>you know, even dealing with the irs, you know, with

1:06:50.000 --> 1:06:53.680
<v Speaker 2>with the you know, even some cryptocurrencies. Not all cryptocurrencies

1:06:53.680 --> 1:06:56.520
<v Speaker 2>are bad, but there are some organizations that teach the

1:06:56.560 --> 1:06:59.320
<v Speaker 2>wrong information. And so a lot of us want this

1:06:59.360 --> 1:07:02.400
<v Speaker 2>get rich thing that if you put in five dollars

1:07:02.400 --> 1:07:04.520
<v Speaker 2>you can give them give a million dollars. I can't

1:07:04.560 --> 1:07:08.080
<v Speaker 2>remember what susu type things. So people have to be

1:07:08.240 --> 1:07:12.560
<v Speaker 2>very careful with those type of things because they're working

1:07:12.600 --> 1:07:15.880
<v Speaker 2>off of your ignorance. So how to you got me?

1:07:17.680 --> 1:07:21.960
<v Speaker 2>So you have to be able to discern or to

1:07:22.080 --> 1:07:24.800
<v Speaker 2>do some research, you know what I'm saying. Shop around,

1:07:24.840 --> 1:07:26.600
<v Speaker 2>That's what I tell people all the time. If you

1:07:26.680 --> 1:07:29.400
<v Speaker 2>like shopping, you shop around to find the best deal. Well,

1:07:29.440 --> 1:07:31.440
<v Speaker 2>sometimes you have to shop around to make sure the

1:07:31.480 --> 1:07:35.600
<v Speaker 2>information is correct, make sure there's some legitimacy, because there's

1:07:35.640 --> 1:07:37.480
<v Speaker 2>a lot of people that are on social media that

1:07:37.600 --> 1:07:39.280
<v Speaker 2>sound like they know what the hell are talking about,

1:07:39.520 --> 1:07:42.080
<v Speaker 2>and they don't. But there's people plying into it. So

1:07:42.120 --> 1:07:44.120
<v Speaker 2>the only person that's making money is the person that's

1:07:44.160 --> 1:07:46.560
<v Speaker 2>giving out the misinformation. So you have to be very,

1:07:46.680 --> 1:07:51.000
<v Speaker 2>very careful with those things. But wealth building is becoming sexy,

1:07:51.360 --> 1:07:53.320
<v Speaker 2>and so we are seeing more people that are willing

1:07:53.360 --> 1:07:55.439
<v Speaker 2>to talk about it, that want to learn more about it.

1:07:55.680 --> 1:07:58.320
<v Speaker 2>But right now it's about how do we transfer that

1:07:58.440 --> 1:08:03.160
<v Speaker 2>knowledge into the people that are coming behind us are children,

1:08:03.760 --> 1:08:05.800
<v Speaker 2>because that is where we're going to see the wealth.

1:08:06.080 --> 1:08:08.960
<v Speaker 2>You know that's building, It's that legacy. It's a garden

1:08:08.960 --> 1:08:11.360
<v Speaker 2>that you never get to see, you know, shout out

1:08:11.400 --> 1:08:17.679
<v Speaker 2>to what Hamilton there. So I think that wealth building

1:08:18.080 --> 1:08:20.439
<v Speaker 2>is the time now to get on board and to

1:08:20.640 --> 1:08:23.000
<v Speaker 2>learn so that you can feel the remnants of it

1:08:23.040 --> 1:08:25.200
<v Speaker 2>and you can pass it down to your children and

1:08:25.280 --> 1:08:26.080
<v Speaker 2>children's children.

1:08:26.760 --> 1:08:28.840
<v Speaker 1>I think that should be a course right now. Like

1:08:28.880 --> 1:08:29.439
<v Speaker 1>for kids.

1:08:29.840 --> 1:08:33.120
<v Speaker 3>I think we should have like wealth classes, like you know,

1:08:33.320 --> 1:08:35.800
<v Speaker 3>credit and all these things I think we don't need

1:08:35.840 --> 1:08:36.160
<v Speaker 3>to pass.

1:08:36.200 --> 1:08:38.280
<v Speaker 1>I think it actually should be in curriculum.

1:08:38.640 --> 1:08:41.080
<v Speaker 2>I've been fighting for that for many years. What I

1:08:41.120 --> 1:08:43.439
<v Speaker 2>do love about and I keep shouting out, but Janisa

1:08:43.520 --> 1:08:45.559
<v Speaker 2>tiff me at least you know, she's my sister. She's

1:08:45.600 --> 1:08:48.680
<v Speaker 2>a really good friend of mine. But she fought to

1:08:48.720 --> 1:08:53.240
<v Speaker 2>get financial literacy in New Jersey schools and it's it's

1:08:53.240 --> 1:08:55.920
<v Speaker 2>statewide you know, I'm fighting for it in Delaware because

1:08:55.960 --> 1:08:58.920
<v Speaker 2>that's where I'm fun from. And so it should be

1:08:58.920 --> 1:09:02.080
<v Speaker 2>a requirement because I'm required to learn a second language

1:09:02.120 --> 1:09:04.040
<v Speaker 2>which I don't really have to speak, but I'm not

1:09:04.120 --> 1:09:06.720
<v Speaker 2>required to learn how to balance an account or check

1:09:06.720 --> 1:09:09.080
<v Speaker 2>book or learn credit. And I've found that when I

1:09:09.120 --> 1:09:12.280
<v Speaker 2>do my Young Money series at high schools and universities.

1:09:12.439 --> 1:09:15.080
<v Speaker 2>I went to Cornell University and did Young Money series,

1:09:15.320 --> 1:09:17.800
<v Speaker 2>and it was surprising that they did not understand what

1:09:17.800 --> 1:09:20.439
<v Speaker 2>credit was. These are college students. They didn't understand what

1:09:20.439 --> 1:09:22.880
<v Speaker 2>credit was. They didn't understand their student loans. I have

1:09:22.920 --> 1:09:25.400
<v Speaker 2>a session I call Saveety Sally May where I teach

1:09:25.400 --> 1:09:28.280
<v Speaker 2>them about student loans. They didn't understand how to negotiate

1:09:28.800 --> 1:09:31.439
<v Speaker 2>their first salary. I do that as hire me as

1:09:31.439 --> 1:09:35.080
<v Speaker 2>a class, so I teach them the art of salary negotiations.

1:09:35.240 --> 1:09:38.680
<v Speaker 2>But that's something that has to be taught, and right

1:09:38.720 --> 1:09:41.800
<v Speaker 2>now it's an extracurricular activity or in colleges, it's in

1:09:41.880 --> 1:09:44.880
<v Speaker 2>business classes. But what about those students that are not

1:09:45.040 --> 1:09:48.800
<v Speaker 2>business majors. It needs to be something that is a

1:09:48.880 --> 1:09:52.920
<v Speaker 2>fundamental requirement from if a person. You know, as soon

1:09:52.920 --> 1:09:54.600
<v Speaker 2>as I give a child a dollar and they know

1:09:54.640 --> 1:09:56.840
<v Speaker 2>what to do with it. That's when you need to

1:09:56.880 --> 1:09:58.280
<v Speaker 2>teach them financial literacy.

1:10:00.040 --> 1:10:03.400
<v Speaker 4>That definitely needs to happen in it and I feel

1:10:03.439 --> 1:10:07.560
<v Speaker 4>like it should be a area I guess a portfolio

1:10:07.760 --> 1:10:10.439
<v Speaker 4>of the civil rights movement of something else that we

1:10:10.560 --> 1:10:13.719
<v Speaker 4>all fight for to make sure that when we're talking

1:10:13.720 --> 1:10:19.280
<v Speaker 4>about education, that we're actually fighting not just for financial literacy,

1:10:19.640 --> 1:10:23.160
<v Speaker 4>but also there are other things that our young people

1:10:23.280 --> 1:10:27.040
<v Speaker 4>need to be learning about life that is not included

1:10:27.080 --> 1:10:28.160
<v Speaker 4>in the current curriculum.

1:10:28.160 --> 1:10:30.240
<v Speaker 2>And my son not often to debate that.

1:10:30.520 --> 1:10:32.920
<v Speaker 4>It is probably why so many of our young people

1:10:32.960 --> 1:10:37.080
<v Speaker 4>feel totally disconnected from the education that they're receiving, because

1:10:37.120 --> 1:10:41.400
<v Speaker 4>they don't feel like they're being taught. And by the way, unfortunately,

1:10:42.240 --> 1:10:45.559
<v Speaker 4>there are young people who are living like real lives

1:10:45.600 --> 1:10:48.960
<v Speaker 4>every day, like you know, they know what skills they need.

1:10:49.160 --> 1:10:51.840
<v Speaker 4>They already know that when they go to school and

1:10:51.880 --> 1:10:55.120
<v Speaker 4>they're learning I don't know, you know, geometry is something,

1:10:55.160 --> 1:10:58.320
<v Speaker 4>it's cool, But when I get home, I've got to

1:10:58.400 --> 1:11:01.839
<v Speaker 4>help my parents cook. I need to pick my brother's

1:11:01.880 --> 1:11:04.280
<v Speaker 4>sister up. I know I need a skill that I

1:11:04.280 --> 1:11:06.679
<v Speaker 4>can use so I can work somewhere on the weekend.

1:11:06.960 --> 1:11:09.240
<v Speaker 4>I don't know how to fill out an application like

1:11:09.320 --> 1:11:12.280
<v Speaker 4>these are real things that's happening in my life, and

1:11:12.320 --> 1:11:14.759
<v Speaker 4>you're telling me to draw one line from this side

1:11:14.800 --> 1:11:17.720
<v Speaker 4>to that side of the paper and not saying that

1:11:17.720 --> 1:11:21.120
<v Speaker 4>that's not important, but what is How is that going

1:11:21.200 --> 1:11:23.240
<v Speaker 4>to help me with what's going on back in my

1:11:23.320 --> 1:11:27.040
<v Speaker 4>neighborhood that I'm dealing with every day. So I think

1:11:27.080 --> 1:11:30.200
<v Speaker 4>you're one hundred percent right that it should be required.

1:11:30.560 --> 1:11:34.640
<v Speaker 4>And as you said, shout out to Budgetista and the

1:11:34.680 --> 1:11:38.559
<v Speaker 4>work that's being done in Jersey, but in New York,

1:11:38.640 --> 1:11:41.519
<v Speaker 4>Delaware and all across the country, especially when you have

1:11:41.720 --> 1:11:45.639
<v Speaker 4>mayors and governors who are actually listening, we should start

1:11:45.680 --> 1:11:46.439
<v Speaker 4>a trend the.

1:11:46.439 --> 1:11:49.599
<v Speaker 2>Fighting for that in those communities. Yeah, I mean they

1:11:49.640 --> 1:11:54.120
<v Speaker 2>stopped teaching really, they started really stop really teaching with

1:11:54.160 --> 1:11:57.080
<v Speaker 2>the No Child Left Behind Act when that first came out.

1:11:57.160 --> 1:12:00.679
<v Speaker 2>Then they started teaching to test because they started holding

1:12:00.840 --> 1:12:04.479
<v Speaker 2>teachers accountable for passing tests, for students passing tests. And

1:12:04.560 --> 1:12:08.640
<v Speaker 2>that's where teaching nobody became fun. It became a requirement

1:12:08.680 --> 1:12:11.840
<v Speaker 2>to make sure students pass a test because you know

1:12:11.920 --> 1:12:14.080
<v Speaker 2>they there was home at you know, you at least

1:12:14.120 --> 1:12:17.000
<v Speaker 2>learned how to cook and do certain things, and a

1:12:17.040 --> 1:12:19.120
<v Speaker 2>lot of the schools are saying, yeah, well, now your

1:12:19.200 --> 1:12:21.280
<v Speaker 2>parents have to teach you. Well, the parents working two

1:12:21.400 --> 1:12:25.320
<v Speaker 2>jobs and you know, a latchkey kid, no one's there

1:12:25.360 --> 1:12:27.000
<v Speaker 2>to teach them. If the parents don't know how to

1:12:27.000 --> 1:12:29.040
<v Speaker 2>do it, they're not going to teach the kid. Although

1:12:29.120 --> 1:12:34.400
<v Speaker 2>they thought nobody taught them. Nobody's talk parents, Which brings

1:12:34.439 --> 1:12:38.160
<v Speaker 2>me to my last two questions before you go there.

1:12:38.240 --> 1:12:39.360
<v Speaker 2>Quick questions though.

1:12:39.680 --> 1:12:44.479
<v Speaker 4>One, do wealthy white folks or just white people who

1:12:44.520 --> 1:12:48.160
<v Speaker 4>are doing better than some of us, do they have

1:12:48.240 --> 1:12:51.639
<v Speaker 4>people that like walk them through every step of this stuff,

1:12:52.000 --> 1:12:55.320
<v Speaker 4>Like how do they know so much better than us

1:12:55.720 --> 1:12:59.720
<v Speaker 4>how to deal with credit and to you know, be

1:12:59.840 --> 1:13:03.320
<v Speaker 4>more are financially literate? That's one question, And then the

1:13:03.400 --> 1:13:08.920
<v Speaker 4>second question is NFTs. I have two separate threads of

1:13:09.120 --> 1:13:13.000
<v Speaker 4>text messages and just in my life in general. One side,

1:13:13.160 --> 1:13:18.360
<v Speaker 4>everybody's excited, everybody's for it. The other side they're bashing

1:13:18.400 --> 1:13:22.439
<v Speaker 4>it like crazy, sending articles every day saying it's terrible,

1:13:22.439 --> 1:13:25.240
<v Speaker 4>it's no good. This went on during the Christmas holiday,

1:13:25.640 --> 1:13:29.000
<v Speaker 4>and I thought everyone was on board that NFTs was good,

1:13:29.240 --> 1:13:32.120
<v Speaker 4>and then I started getting these messages from this other

1:13:32.200 --> 1:13:35.479
<v Speaker 4>thread where they're saying that it is a it's a scam.

1:13:35.960 --> 1:13:38.679
<v Speaker 4>So I just wanted to get your perspective on those

1:13:38.680 --> 1:13:43.479
<v Speaker 4>two things. How are wealthy wealthy are and particularly white folks,

1:13:44.040 --> 1:13:46.479
<v Speaker 4>how do they learn what to do from a financial

1:13:46.720 --> 1:13:48.440
<v Speaker 4>financial literacy perspective?

1:13:48.720 --> 1:13:52.719
<v Speaker 2>And then the NFT new phenomenon. Okay, so the first

1:13:52.800 --> 1:13:57.280
<v Speaker 2>question I'm gonna ask you this question rhetorically, who built

1:13:57.280 --> 1:14:03.639
<v Speaker 2>the system? That's right, who built the financial system, who

1:14:03.680 --> 1:14:07.759
<v Speaker 2>built the credit system? And of course if that person,

1:14:07.920 --> 1:14:10.759
<v Speaker 2>if it you know, if they are Caucasian or whatever,

1:14:10.920 --> 1:14:14.080
<v Speaker 2>if they have been a part of the process generations, generations,

1:14:14.120 --> 1:14:17.960
<v Speaker 2>generations ago of doing that. They've seen wealth in the past,

1:14:18.000 --> 1:14:20.519
<v Speaker 2>They've seen how their parents, so they have a model

1:14:21.280 --> 1:14:25.120
<v Speaker 2>that they're doing right. Think about how we came to

1:14:25.240 --> 1:14:29.360
<v Speaker 2>this country, Think about how we're doing wealth and infraction

1:14:29.560 --> 1:14:33.240
<v Speaker 2>of us have built wealth, major, major wealth. But what

1:14:33.280 --> 1:14:36.240
<v Speaker 2>they did was they paid attention, probably to the white

1:14:36.240 --> 1:14:38.960
<v Speaker 2>people that were building wealth, and they model the behavior.

1:14:39.400 --> 1:14:39.679
<v Speaker 1>Wow.

1:14:39.720 --> 1:14:42.920
<v Speaker 2>So if we don't have something to model the behavior

1:14:43.000 --> 1:14:46.880
<v Speaker 2>of we can't teach it or we can't model the behavior. Well,

1:14:46.920 --> 1:14:49.720
<v Speaker 2>we are modeling the behavior, but we're probably modeling the

1:14:49.720 --> 1:14:55.160
<v Speaker 2>behavior of poverty. Right. Unbeknownst to ourselves. We think that

1:14:55.200 --> 1:14:58.320
<v Speaker 2>we're teaching about being rich and all that stuff. But

1:14:58.400 --> 1:15:02.280
<v Speaker 2>are we modeling a wealth behavior, a wealth mindset? You know,

1:15:02.640 --> 1:15:05.840
<v Speaker 2>law of attraction? Do we really understand it? Do we

1:15:05.920 --> 1:15:09.080
<v Speaker 2>believe it? You know? Do are we teaching it? So

1:15:10.040 --> 1:15:14.000
<v Speaker 2>there is a model of that. Most of the people

1:15:14.080 --> 1:15:16.559
<v Speaker 2>that are wealthy, they believe in the law of attraction,

1:15:16.800 --> 1:15:19.800
<v Speaker 2>They believe in the understanding of that. What you think,

1:15:20.160 --> 1:15:23.720
<v Speaker 2>your thoughts become things. They go to people, or they

1:15:23.760 --> 1:15:25.800
<v Speaker 2>look at people who are making the money, seeing what

1:15:25.840 --> 1:15:28.320
<v Speaker 2>they're doing, and they model the behavior, or they ask

1:15:28.360 --> 1:15:31.320
<v Speaker 2>for mentorship, or they do certain things. A lot of

1:15:31.439 --> 1:15:35.240
<v Speaker 2>us we just think that because we were slaves, because

1:15:35.240 --> 1:15:38.479
<v Speaker 2>we did this, y'all supposed to help us out. And

1:15:38.520 --> 1:15:41.800
<v Speaker 2>it just doesn't work that way. If we want to

1:15:41.920 --> 1:15:45.400
<v Speaker 2>take over and become a model of wealth to our families,

1:15:45.520 --> 1:15:48.120
<v Speaker 2>we have to take control and said I'm going to

1:15:48.200 --> 1:15:50.880
<v Speaker 2>learn this, I'm going to do this, and not wait

1:15:50.920 --> 1:15:54.760
<v Speaker 2>for someone to give me penance or someone to say, Okay,

1:15:54.760 --> 1:15:56.160
<v Speaker 2>we're going to give you a million dollars because I

1:15:56.160 --> 1:15:59.639
<v Speaker 2>promise you if someone says, you know what, reparations we're

1:15:59.640 --> 1:16:02.759
<v Speaker 2>going to get every black person one hundred thousand dollars,

1:16:03.439 --> 1:16:06.479
<v Speaker 2>I bet you ninety percent of that one hundred thousand

1:16:06.520 --> 1:16:08.880
<v Speaker 2>dollars are going to be spent in white communities or

1:16:08.920 --> 1:16:11.720
<v Speaker 2>in white stores. Right, It's not even gonna stay in

1:16:11.760 --> 1:16:14.200
<v Speaker 2>our community. We're having a hard time trying to convince

1:16:14.200 --> 1:16:19.080
<v Speaker 2>people to buy black. So I think that it's something

1:16:19.120 --> 1:16:22.679
<v Speaker 2>that was modeled because they built the system, and those

1:16:22.720 --> 1:16:25.720
<v Speaker 2>that want to grow up with a wealth mindset and

1:16:25.760 --> 1:16:30.280
<v Speaker 2>give legacy, they are modeling. They're learning, their researching that

1:16:30.439 --> 1:16:34.200
<v Speaker 2>behavior and replicating those services. Now, as far as NFTs,

1:16:34.560 --> 1:16:36.880
<v Speaker 2>I'm not an EDFT expert, nor do I play one

1:16:36.880 --> 1:16:39.639
<v Speaker 2>on TV. I've seen the same thing as you where

1:16:39.880 --> 1:16:42.720
<v Speaker 2>they say the NFTs are the next best thing, and

1:16:42.760 --> 1:16:45.000
<v Speaker 2>then I've seen on there it's a fraud, just like

1:16:45.000 --> 1:16:49.160
<v Speaker 2>crypto currency. So it's reminding me of the cryptocurrency when

1:16:49.160 --> 1:16:51.160
<v Speaker 2>it started coming out, when they say if you get

1:16:51.160 --> 1:16:53.120
<v Speaker 2>in now, you're going to make millions of dollars and

1:16:53.200 --> 1:16:56.320
<v Speaker 2>the other side is it's a hoax, you know, or whatever.

1:16:56.600 --> 1:16:59.320
<v Speaker 2>But as much as people want to say about cryptocurrency,

1:17:00.040 --> 1:17:02.559
<v Speaker 2>cryptocurrency is still here. You know what I'm saying. It

1:17:02.600 --> 1:17:05.280
<v Speaker 2>started out at ten thousand dollars. Now it's at fifty thousand,

1:17:05.439 --> 1:17:08.000
<v Speaker 2>all right. Where it's going to go I don't know.

1:17:08.040 --> 1:17:11.479
<v Speaker 2>But there's countries that are investing in cryptocurrency, there are

1:17:11.560 --> 1:17:17.080
<v Speaker 2>financial institutions that are considering cryptocurrency NFT. I don't know enough.

1:17:17.120 --> 1:17:19.599
<v Speaker 2>I'm still researching it to figure out what it is,

1:17:19.720 --> 1:17:21.760
<v Speaker 2>how it's going to benefit. My whole thing is how

1:17:21.760 --> 1:17:25.080
<v Speaker 2>can I leverage that into spending money? Because they said

1:17:25.080 --> 1:17:27.439
<v Speaker 2>I made a million dollars or NFT, but is it

1:17:27.560 --> 1:17:30.679
<v Speaker 2>really hard cash money? So that's where I say, before

1:17:30.720 --> 1:17:33.200
<v Speaker 2>you jump into a whole bunch of things, you got

1:17:33.200 --> 1:17:35.559
<v Speaker 2>to do your research and make sure you're not buying

1:17:35.560 --> 1:17:39.000
<v Speaker 2>into misinformation. And if NFT is your thing and you've

1:17:39.080 --> 1:17:41.880
<v Speaker 2>done your research, go with God, make the millions of dollars,

1:17:42.520 --> 1:17:44.840
<v Speaker 2>but don't just jump on it because it's the next

1:17:44.880 --> 1:17:47.000
<v Speaker 2>best thing, because that can, you know, make it go

1:17:47.080 --> 1:17:47.559
<v Speaker 2>broke too.

1:17:48.280 --> 1:17:50.400
<v Speaker 3>That's definitely the truth. I want to say, thank you.

1:17:50.400 --> 1:17:54.120
<v Speaker 3>You've giving us so much information today. You know a

1:17:54.160 --> 1:17:57.760
<v Speaker 3>lot of what you said about just schooling, especially what

1:17:57.960 --> 1:18:00.720
<v Speaker 3>you said about who created the system. You know a

1:18:00.720 --> 1:18:03.360
<v Speaker 3>lot of us we didn't have access to that system.

1:18:03.439 --> 1:18:05.800
<v Speaker 3>A lot of you know us don't even know. But

1:18:05.880 --> 1:18:08.800
<v Speaker 3>when we do learn, we're able to capitalize fast. So

1:18:09.280 --> 1:18:11.160
<v Speaker 3>you know, that's what that I model. I try to

1:18:11.200 --> 1:18:13.960
<v Speaker 3>do that. I try to get information and bring it back,

1:18:14.640 --> 1:18:16.240
<v Speaker 3>you know, piece by piece.

1:18:16.600 --> 1:18:19.440
<v Speaker 1>The whole NFT thing is still new. We still researching,

1:18:19.479 --> 1:18:20.880
<v Speaker 1>but it's so many different things.

1:18:21.040 --> 1:18:23.120
<v Speaker 3>I'm just glad to see that black people are taking

1:18:23.120 --> 1:18:26.679
<v Speaker 3>the initiative to figure out. Listen, we've been we haven't

1:18:26.720 --> 1:18:28.680
<v Speaker 3>had any part of this world for so many like

1:18:28.680 --> 1:18:30.599
<v Speaker 3>what do we need to do? You know, I'm glad

1:18:30.640 --> 1:18:33.640
<v Speaker 3>that that is a constant question. Everywhere I look, there

1:18:33.640 --> 1:18:37.080
<v Speaker 3>are different people who are educating themselves about wealth, about

1:18:37.240 --> 1:18:40.880
<v Speaker 3>generational wealth, about you know, education about how do we

1:18:41.080 --> 1:18:43.920
<v Speaker 3>continue to grow and evolve and get a piece of

1:18:44.000 --> 1:18:46.760
<v Speaker 3>this pot. So thank you for what you do. Thank

1:18:46.840 --> 1:18:50.360
<v Speaker 3>you for the information that you today. Continue to be

1:18:50.400 --> 1:18:53.680
<v Speaker 3>great queen. You know, tell everybody where they can follow you,

1:18:53.840 --> 1:18:56.360
<v Speaker 3>how they can get some of this wealth ofme knowledge

1:18:56.400 --> 1:18:58.640
<v Speaker 3>that you have. And you know, we need you to

1:18:58.680 --> 1:19:00.800
<v Speaker 3>continue to just keep educating because I'm a follower. I

1:19:00.880 --> 1:19:02.920
<v Speaker 3>need to get some of this amount of money that

1:19:03.040 --> 1:19:03.760
<v Speaker 3>you've got, you know.

1:19:03.800 --> 1:19:04.720
<v Speaker 1>I needs.

1:19:05.840 --> 1:19:08.920
<v Speaker 2>Awesome. You can definitely go to my website. Mautamoney dot com,

1:19:09.160 --> 1:19:12.200
<v Speaker 2>or you can follow me on social media, missmount of Money,

1:19:12.280 --> 1:19:14.240
<v Speaker 2>M S M A d A M M O and

1:19:14.280 --> 1:19:17.519
<v Speaker 2>e y connect with me, follow me. I'd love to

1:19:17.520 --> 1:19:21.080
<v Speaker 2>give you some virtual love out there, so thanks for

1:19:21.120 --> 1:19:21.720
<v Speaker 2>having me too.

1:19:22.240 --> 1:19:26.520
<v Speaker 4>I'm following you right now, Miss Madam Money. That's MS

1:19:26.520 --> 1:19:28.240
<v Speaker 4>Madam Money and I'm.

1:19:28.080 --> 1:19:29.960
<v Speaker 2>As m A D A M M O N e y.

1:19:30.040 --> 1:19:31.439
<v Speaker 2>Some people like to put an E in there, but

1:19:31.600 --> 1:19:33.080
<v Speaker 2>this M A D A M M O N e

1:19:33.240 --> 1:19:36.479
<v Speaker 2>Y not money. I'm going to follow you right now.

1:19:36.520 --> 1:19:40.280
<v Speaker 2>Thank you again for being with us today. Thank you.

1:19:42.360 --> 1:19:48.440
<v Speaker 3>Wow man shout out to Tara Jackson Dope dope individual information.

1:19:49.320 --> 1:19:50.920
<v Speaker 1>You know we need people like that, man.

1:19:51.000 --> 1:19:54.759
<v Speaker 3>It's good that we have so many people now, especially

1:19:54.800 --> 1:19:58.479
<v Speaker 3>in our black and brown people who are getting so financial. Literally,

1:19:58.960 --> 1:20:01.080
<v Speaker 3>like before when I was you, it wasn't really a thing.

1:20:01.160 --> 1:20:02.960
<v Speaker 3>Were talking aboutw We're gonna get money, we want to

1:20:02.960 --> 1:20:06.599
<v Speaker 3>buy old things. Now you have people like Tarror who's

1:20:06.640 --> 1:20:08.759
<v Speaker 3>telling you how to keep money, how to make money,

1:20:08.760 --> 1:20:10.840
<v Speaker 3>how to invest money, how to you know how to

1:20:10.880 --> 1:20:12.840
<v Speaker 3>build credit, how what credit is?

1:20:12.960 --> 1:20:14.559
<v Speaker 1>You know how to utilize things?

1:20:15.000 --> 1:20:16.639
<v Speaker 3>So you know our kids are going to be better

1:20:16.680 --> 1:20:19.000
<v Speaker 3>than us, man, so shout out to Tarror for that information.

1:20:19.520 --> 1:20:26.000
<v Speaker 4>Yeah, these kids are working like crypto and they're literally

1:20:26.160 --> 1:20:30.800
<v Speaker 4>they know how to do online trading. Like I'm online

1:20:30.840 --> 1:20:33.200
<v Speaker 4>and sometimes I sit up late at night and I

1:20:33.280 --> 1:20:36.639
<v Speaker 4>go into like the dark web, which is not really dark,

1:20:36.720 --> 1:20:39.920
<v Speaker 4>but like this, this whole if you will, of just

1:20:40.120 --> 1:20:43.320
<v Speaker 4>young people who are out here learning how to invest.

1:20:43.400 --> 1:20:47.920
<v Speaker 2>They're making money off of crypto technology and whatnot because

1:20:47.920 --> 1:20:51.160
<v Speaker 2>they're already so much further ahead. And I guess we

1:20:51.160 --> 1:20:54.679
<v Speaker 2>were further ahead than our parents on different things as well,

1:20:55.040 --> 1:20:56.599
<v Speaker 2>you know. So that's a good thing.

1:20:56.680 --> 1:20:59.519
<v Speaker 4>But the more that we instill it, and the more

1:20:59.600 --> 1:21:01.960
<v Speaker 4>that we talk about it, the more that we make

1:21:02.040 --> 1:21:06.440
<v Speaker 4>it a part of our everyday lives in our households

1:21:06.439 --> 1:21:08.560
<v Speaker 4>and our families, then our young people are going to

1:21:08.640 --> 1:21:12.200
<v Speaker 4>become more, as you said, financially literate. They're going to become,

1:21:12.560 --> 1:21:17.040
<v Speaker 4>you know, just better at understanding the dollar. And I

1:21:17.080 --> 1:21:20.000
<v Speaker 4>think a part of the thing for us is that

1:21:20.040 --> 1:21:23.599
<v Speaker 4>we have been so very much so focused on understanding

1:21:23.680 --> 1:21:26.719
<v Speaker 4>our voting rights that most of our young people, even

1:21:26.760 --> 1:21:30.800
<v Speaker 4>if they don't vote, they know there's a time when

1:21:30.880 --> 1:21:33.799
<v Speaker 4>people go to the polls and they cast their vote

1:21:33.840 --> 1:21:35.400
<v Speaker 4>and they understand.

1:21:34.920 --> 1:21:38.639
<v Speaker 2>That system for the most part. Of course, there's many

1:21:38.800 --> 1:21:41.480
<v Speaker 2>details to the political system.

1:21:41.200 --> 1:21:43.680
<v Speaker 4>That we don't know and we have to learn, but

1:21:43.840 --> 1:21:48.080
<v Speaker 4>we understand the fundamental basics. And that's because since the

1:21:48.120 --> 1:21:51.200
<v Speaker 4>beginning of time, not of the beginning of time, of course,

1:21:51.240 --> 1:21:55.160
<v Speaker 4>but since you know, since we've received our voting rights.

1:21:55.439 --> 1:21:58.439
<v Speaker 4>This is something that has been a staple of the

1:21:58.479 --> 1:22:02.080
<v Speaker 4>Black household to talk aboutout voting for president, to talk about,

1:22:02.280 --> 1:22:04.920
<v Speaker 4>you know, going to the polls, using your right to vote.

1:22:04.920 --> 1:22:07.160
<v Speaker 2>People died for us to be able to vote.

1:22:07.280 --> 1:22:10.400
<v Speaker 4>So now I think the same It applies to how

1:22:10.439 --> 1:22:14.000
<v Speaker 4>we have to instill the same type of messaging in

1:22:14.080 --> 1:22:18.400
<v Speaker 4>our young people and get them in the consciousness and

1:22:18.439 --> 1:22:22.479
<v Speaker 4>the awareness of what it looks like to use your dollar,

1:22:22.800 --> 1:22:26.080
<v Speaker 4>and not just your dollar, but your credit for the

1:22:26.120 --> 1:22:29.360
<v Speaker 4>greater good, not only of yourself, but of your entire community.

1:22:29.560 --> 1:22:31.120
<v Speaker 1>She used to make it so many good points.

1:22:31.160 --> 1:22:34.800
<v Speaker 3>She was talking about how kids aren't you know, in

1:22:34.920 --> 1:22:38.200
<v Speaker 3>certain we talk about how kids aren't thriving.

1:22:38.280 --> 1:22:40.200
<v Speaker 1>Our kids aren't thriving in the school system.

1:22:40.240 --> 1:22:43.040
<v Speaker 3>And I thought about my son telling me the exact

1:22:43.120 --> 1:22:43.679
<v Speaker 3>same thing.

1:22:44.280 --> 1:22:46.479
<v Speaker 1>How you know is test based.

1:22:46.560 --> 1:22:49.519
<v Speaker 3>Now it's not about you actually learning and things like that,

1:22:49.560 --> 1:22:51.559
<v Speaker 3>and our kids just need to be challenged. And I

1:22:51.560 --> 1:22:54.880
<v Speaker 3>think this new information and just wealth and all these

1:22:54.880 --> 1:22:57.800
<v Speaker 3>things and things that are challenges that challenges them and

1:22:57.840 --> 1:22:59.680
<v Speaker 3>gives them more opportunities.

1:23:00.000 --> 1:23:02.200
<v Speaker 1>It also brings me to my I don't get it.

1:23:07.920 --> 1:23:11.559
<v Speaker 3>You know, being from the inner cities and coming from

1:23:12.000 --> 1:23:16.519
<v Speaker 3>poverished communities and understand how poverty is violence and just

1:23:16.600 --> 1:23:19.080
<v Speaker 3>looking at where we are, like we're dealing with so

1:23:19.160 --> 1:23:22.160
<v Speaker 3>many different things, especially when it comes to violence in

1:23:22.200 --> 1:23:23.000
<v Speaker 3>our communities.

1:23:23.479 --> 1:23:26.000
<v Speaker 1>Gun violence is at.

1:23:25.600 --> 1:23:29.000
<v Speaker 3>An all time high, like I mean, it's just out

1:23:29.000 --> 1:23:30.360
<v Speaker 3>of control.

1:23:30.600 --> 1:23:35.360
<v Speaker 1>And I think for me, I don't get how.

1:23:37.479 --> 1:23:42.520
<v Speaker 3>Violence, gun violence and all this things has been incentivized

1:23:42.720 --> 1:23:46.719
<v Speaker 3>to our kids. You know, it's such a new trend.

1:23:46.760 --> 1:23:50.120
<v Speaker 3>I remember being twelve and thirteen and the quote unquote

1:23:50.120 --> 1:23:53.479
<v Speaker 3>ogs wanted to keep us away from that lifestyle. You know,

1:23:53.520 --> 1:23:55.439
<v Speaker 3>whatever they was doing, they tried to make sure that

1:23:55.479 --> 1:23:56.439
<v Speaker 3>we went to school.

1:23:56.880 --> 1:23:58.639
<v Speaker 1>You know, they gave us money to keep us out

1:23:58.640 --> 1:23:59.800
<v Speaker 1>to school. I mean out of this.

1:24:00.720 --> 1:24:04.320
<v Speaker 3>They gave us sports that you know, they threw basketball tournaments,

1:24:04.360 --> 1:24:07.240
<v Speaker 3>They did so many different things. Whatever they were trying

1:24:07.280 --> 1:24:10.120
<v Speaker 3>to do or whatever they were engaged in, they definitely.

1:24:09.880 --> 1:24:11.680
<v Speaker 1>Wanted to keep us away, you know.

1:24:11.720 --> 1:24:14.679
<v Speaker 3>And I just don't get now how these quote unquote

1:24:14.720 --> 1:24:17.559
<v Speaker 3>ogs are not trying to give the kids the game,

1:24:17.760 --> 1:24:20.320
<v Speaker 3>but they're trying to run game on the kids. And

1:24:20.360 --> 1:24:22.639
<v Speaker 3>they're giving the kids the guns, and they're giving them

1:24:22.840 --> 1:24:26.240
<v Speaker 3>send them out on these dummy missions and incentivizing them

1:24:26.280 --> 1:24:29.439
<v Speaker 3>to throw their lives away. Like I literally watch on

1:24:29.479 --> 1:24:33.519
<v Speaker 3>the internet every day where it's either bloggers or other

1:24:33.640 --> 1:24:37.599
<v Speaker 3>people doing things to incite violence with kids.

1:24:37.720 --> 1:24:38.800
<v Speaker 1>These are not grown people.

1:24:38.800 --> 1:24:42.880
<v Speaker 3>These are seventeen, sixteen, some thirteen year old kids. And

1:24:42.920 --> 1:24:46.000
<v Speaker 3>I just don't get how as a grown man that

1:24:46.080 --> 1:24:48.600
<v Speaker 3>you have it doesn't bother you, it doesn't hurt you,

1:24:48.680 --> 1:24:53.120
<v Speaker 3>it doesn't make you feel a moral responsibility to protect

1:24:53.240 --> 1:24:56.040
<v Speaker 3>and shield these kids from that lifestyle instead of.

1:24:56.080 --> 1:24:56.840
<v Speaker 1>Leading them to it.

1:24:56.960 --> 1:24:59.760
<v Speaker 2>Well, I think it's just on the internet now.

1:25:00.000 --> 1:25:02.840
<v Speaker 4>When I was growing up in the housing projects in

1:25:02.960 --> 1:25:09.120
<v Speaker 4>Harlem called Manhattanville, we used to watch young people working

1:25:09.200 --> 1:25:12.759
<v Speaker 4>for the drug dealers, you know. We used to watch

1:25:12.920 --> 1:25:18.040
<v Speaker 4>kids ten eleven, twelve years old carrying out violence for

1:25:18.680 --> 1:25:21.120
<v Speaker 4>somebody who put them out there to go rob a

1:25:21.160 --> 1:25:23.160
<v Speaker 4>woman or to go be the shooter.

1:25:23.600 --> 1:25:24.160
<v Speaker 2>We saw it.

1:25:24.280 --> 1:25:26.439
<v Speaker 4>I mean there are young people or there are people

1:25:26.479 --> 1:25:30.400
<v Speaker 4>who are grown men in prison today because they listen

1:25:30.479 --> 1:25:32.920
<v Speaker 4>to somebody when they were young tell them to go

1:25:33.000 --> 1:25:35.759
<v Speaker 4>and do something crazy that ended up getting them twenty

1:25:35.800 --> 1:25:37.400
<v Speaker 4>five years, maybe even life.

1:25:37.760 --> 1:25:40.160
<v Speaker 2>I don't think it's really new. I think that the.

1:25:40.160 --> 1:25:45.200
<v Speaker 4>Same applies to everything that we're watching be glorified on TV.

1:25:45.280 --> 1:25:47.280
<v Speaker 4>Because the one thing I can on not on TV,

1:25:47.360 --> 1:25:49.519
<v Speaker 4>but on your cell phone, maybe on TV as well.

1:25:49.960 --> 1:25:53.280
<v Speaker 4>But the one thing I will say is that there

1:25:53.400 --> 1:25:56.200
<v Speaker 4>wasn't a market for it, right, and there is a

1:25:56.280 --> 1:25:59.200
<v Speaker 4>market now, so it's actually profitable.

1:25:59.560 --> 1:26:01.080
<v Speaker 2>But it was always happening.

1:26:01.200 --> 1:26:04.479
<v Speaker 4>It's just that there's a dollar amount and as you said,

1:26:04.560 --> 1:26:08.839
<v Speaker 4>and an incentive that has been placed on the lives

1:26:08.960 --> 1:26:13.479
<v Speaker 4>the murder, the brutality, the trauma of young people, of

1:26:13.600 --> 1:26:17.439
<v Speaker 4>black people, of brown people, of poor people. And I

1:26:17.479 --> 1:26:20.840
<v Speaker 4>think that's where we have to focus our attention on.

1:26:21.439 --> 1:26:24.640
<v Speaker 4>How do we make it where it is it is

1:26:24.760 --> 1:26:29.000
<v Speaker 4>no longer profitable for people to kill and make money

1:26:29.120 --> 1:26:31.840
<v Speaker 4>or to harm a woman and be able to get

1:26:32.080 --> 1:26:35.120
<v Speaker 4>X amount of views online that makes them look like

1:26:35.120 --> 1:26:38.360
<v Speaker 4>they're you know, they're popping, so you know, But but

1:26:38.439 --> 1:26:40.719
<v Speaker 4>I don't, I don't, I don't think that the acts

1:26:40.800 --> 1:26:41.360
<v Speaker 4>are different.

1:26:41.600 --> 1:26:41.960
<v Speaker 2>I don't.

1:26:42.080 --> 1:26:44.040
<v Speaker 1>I think well, I mean just I think, for me,

1:26:44.280 --> 1:26:45.120
<v Speaker 1>let me cut you off.

1:26:45.360 --> 1:26:48.000
<v Speaker 3>I think being in the street right, being from the

1:26:48.040 --> 1:26:51.640
<v Speaker 3>streets right, I think there was a disdain for that.

1:26:51.720 --> 1:26:55.599
<v Speaker 1>I don't think that it wasn't happening. Let me change

1:26:55.600 --> 1:26:55.960
<v Speaker 1>that words.

1:26:56.000 --> 1:27:00.080
<v Speaker 3>Not that it wasn't happening. Those people weren't celebrated. The

1:27:00.120 --> 1:27:02.759
<v Speaker 3>people who were doing that, that were praying on the children,

1:27:03.040 --> 1:27:06.640
<v Speaker 3>they weren't celebrated. Like you weren't supposedly an og and

1:27:06.680 --> 1:27:09.400
<v Speaker 3>you had eleven year olds and ten year olds working

1:27:09.439 --> 1:27:11.360
<v Speaker 3>for you, and the rest of the ogs just like

1:27:11.400 --> 1:27:12.240
<v Speaker 3>you was cool with them.

1:27:12.640 --> 1:27:14.200
<v Speaker 1>That wasn't something that was happening.

1:27:14.240 --> 1:27:17.080
<v Speaker 3>Like when I was a young dude and we was outside,

1:27:17.160 --> 1:27:19.559
<v Speaker 3>they wasn't getting us at eleven and twelve years old.

1:27:19.880 --> 1:27:22.200
<v Speaker 1>They just wasn't. They wasn't. It was OG's like, yo,

1:27:22.240 --> 1:27:23.280
<v Speaker 1>you know what are you doing? Man?

1:27:23.520 --> 1:27:25.680
<v Speaker 3>Take your ass. They was trying to keep you off

1:27:25.720 --> 1:27:29.080
<v Speaker 3>the streets. I mean, that's just I think it were.

1:27:29.560 --> 1:27:33.160
<v Speaker 2>I think you grew up in a different type of

1:27:33.160 --> 1:27:37.439
<v Speaker 2>community with different issues, even in the same city, because

1:27:37.479 --> 1:27:42.000
<v Speaker 2>where I grew up, it was celebrated. There were older

1:27:42.040 --> 1:27:47.559
<v Speaker 2>folks older men in particular, who preyed on the women

1:27:47.680 --> 1:27:50.360
<v Speaker 2>that they were sleeping with or the women who were

1:27:50.439 --> 1:27:53.360
<v Speaker 2>crackheads living in the building. I don't know if you're

1:27:53.400 --> 1:27:54.639
<v Speaker 2>supposed to call them crackheads.

1:27:54.680 --> 1:27:59.080
<v Speaker 4>It's probably a more politically correct term and more respectable

1:27:59.160 --> 1:28:03.519
<v Speaker 4>current term. But they were addicted to crack. There were

1:28:03.600 --> 1:28:07.080
<v Speaker 4>people like that that folks prayed on, and they used.

1:28:06.800 --> 1:28:10.800
<v Speaker 2>Their children, they used their children, and it and it

1:28:10.880 --> 1:28:15.400
<v Speaker 2>was and it wasn't. There was no outrage in our

1:28:15.520 --> 1:28:18.719
<v Speaker 2>community other than a few parents, of which my parents,

1:28:18.720 --> 1:28:22.080
<v Speaker 2>my parents were a part of. But it wasn't like

1:28:22.200 --> 1:28:24.840
<v Speaker 2>everybody in the community was like, hell, no, this is

1:28:24.880 --> 1:28:25.720
<v Speaker 2>not acceptable.

1:28:27.360 --> 1:28:30.360
<v Speaker 3>Yeah, well, I guess, like you said, maybe I was

1:28:30.360 --> 1:28:33.320
<v Speaker 3>in a different part, but I know that most of

1:28:33.080 --> 1:28:36.120
<v Speaker 3>the ogs and even the ones that were hustling around us,

1:28:36.479 --> 1:28:39.320
<v Speaker 3>they didn't They didn't allow you to pray on children

1:28:39.360 --> 1:28:39.759
<v Speaker 3>and women.

1:28:39.800 --> 1:28:42.559
<v Speaker 1>They just didn't. It just wasn't something that was okay,

1:28:42.800 --> 1:28:43.040
<v Speaker 1>you know.

1:28:43.120 --> 1:28:48.559
<v Speaker 2>And you definitely you definitely could not shoot in a

1:28:48.640 --> 1:28:51.400
<v Speaker 2>park or while people was outside sitting on the bench.

1:28:51.560 --> 1:28:54.720
<v Speaker 2>That was like, you know, you were exiled from the

1:28:54.760 --> 1:28:57.639
<v Speaker 2>whole hood if you did that. That's a new thing

1:28:57.680 --> 1:28:59.960
<v Speaker 2>where you're just shooting in four year olds and five

1:29:00.720 --> 1:29:04.400
<v Speaker 2>being hurt. We didn't have that, Yeah.

1:29:04.640 --> 1:29:07.200
<v Speaker 3>I mean I just for me, I didn't know as

1:29:07.240 --> 1:29:10.120
<v Speaker 3>many thirteen and fourteen year old shooters that I know today.

1:29:10.600 --> 1:29:12.559
<v Speaker 3>Like when I was yelling, we was thirteen. We was

1:29:12.600 --> 1:29:15.960
<v Speaker 3>having fun. We was playing basketball, we was playing football,

1:29:16.600 --> 1:29:18.759
<v Speaker 3>you know what I'm saying. We was into different things.

1:29:18.800 --> 1:29:20.880
<v Speaker 3>We had something else that we were doing. There was

1:29:20.920 --> 1:29:23.599
<v Speaker 3>a couple one or two that were you know, there

1:29:23.680 --> 1:29:25.639
<v Speaker 3>was like heavily doing shit.

1:29:25.520 --> 1:29:26.760
<v Speaker 1>That we was like, what are you doing that for?

1:29:26.920 --> 1:29:29.280
<v Speaker 3>But for the most part, at thirteen and fourteen, we

1:29:29.439 --> 1:29:32.559
<v Speaker 3>still had some level of a childhood, you know. And

1:29:32.600 --> 1:29:35.439
<v Speaker 3>I'm watching these thirteen and fourteen year olds now they've

1:29:35.560 --> 1:29:38.599
<v Speaker 3>literally stripped them of a childhood and moved them into

1:29:38.800 --> 1:29:42.519
<v Speaker 3>del Wood and then adult facilities facing life, you know.

1:29:42.640 --> 1:29:46.439
<v Speaker 3>So you know, I'm still of the mind state that

1:29:46.800 --> 1:29:49.320
<v Speaker 3>we got to protect our children, man, and I I

1:29:49.800 --> 1:29:52.840
<v Speaker 3>maybe it was happening, and maybe I was shielded. Maybe,

1:29:53.080 --> 1:29:56.040
<v Speaker 3>you know, I was lucky to be around what I

1:29:56.120 --> 1:29:59.519
<v Speaker 3>call real ogs that protected us. But I still don't

1:29:59.520 --> 1:30:01.920
<v Speaker 3>get it, still don't get how it is the new

1:30:02.000 --> 1:30:06.160
<v Speaker 3>thing and how it's just pretty much just advocated for

1:30:06.240 --> 1:30:07.320
<v Speaker 3>and promoted so highly.

1:30:08.600 --> 1:30:09.000
<v Speaker 1>Well.

1:30:10.040 --> 1:30:12.720
<v Speaker 4>On that note, one thing I can say that what

1:30:12.800 --> 1:30:16.080
<v Speaker 4>they say. One thing that's for sure, and two things

1:30:16.160 --> 1:30:19.120
<v Speaker 4>that's for certain is that you're going to work very

1:30:19.160 --> 1:30:24.320
<v Speaker 4>hard on trying to end the culture that is unfortunately

1:30:24.400 --> 1:30:27.680
<v Speaker 4>creeping into our communities. And you know, I'm proud to

1:30:27.760 --> 1:30:30.880
<v Speaker 4>see you really focus and sort of hone in on

1:30:31.320 --> 1:30:35.920
<v Speaker 4>what your contribution will be to society. You know, we're

1:30:35.960 --> 1:30:38.240
<v Speaker 4>all in the fight, but each one of us has

1:30:38.320 --> 1:30:42.799
<v Speaker 4>different areas that really move us. And for you, this culture,

1:30:42.920 --> 1:30:47.040
<v Speaker 4>this violent culture of the culture of turning our young

1:30:47.120 --> 1:30:50.400
<v Speaker 4>people into these freaking I don't know what you call them.

1:30:50.479 --> 1:30:52.960
<v Speaker 2>I mean, I don't even want to use the words

1:30:53.080 --> 1:30:56.599
<v Speaker 2>to describe. But the pain and the trauma that's being

1:30:56.680 --> 1:31:00.519
<v Speaker 2>caused is very demonic, and I think the only way

1:31:00.640 --> 1:31:03.920
<v Speaker 2>we can fix it is having individuals like yourself and

1:31:04.000 --> 1:31:08.000
<v Speaker 2>a host of others coming together constantly wrapping our arms

1:31:08.000 --> 1:31:09.120
<v Speaker 2>around our young people.

1:31:09.760 --> 1:31:11.960
<v Speaker 1>That's right, Boycott Black murder Man.

1:31:12.000 --> 1:31:17.360
<v Speaker 3>We're not staying for the detriment of our babies no more.

1:31:17.360 --> 1:31:18.879
<v Speaker 1>You're not praying on our kids.

1:31:19.120 --> 1:31:21.920
<v Speaker 3>We're not calling you ogs, we're not respecting you, We're

1:31:21.920 --> 1:31:22.959
<v Speaker 3>not doing anything.

1:31:23.280 --> 1:31:25.200
<v Speaker 1>If you're detrimental to our community.

1:31:25.600 --> 1:31:30.680
<v Speaker 3>So with that said, we had another dope episode Politicians,

1:31:30.720 --> 1:31:34.720
<v Speaker 3>our first episode back after the new year twenty twenty two.

1:31:35.040 --> 1:31:37.519
<v Speaker 3>We look forward to being the number one.

1:31:37.360 --> 1:31:39.280
<v Speaker 1>Podcast in the world.

1:31:39.439 --> 1:31:43.720
<v Speaker 3>We're speaking into business because words become things, and we

1:31:43.760 --> 1:31:46.479
<v Speaker 3>want to say thank you for supporting us last year.

1:31:46.840 --> 1:31:49.559
<v Speaker 1>We're going to do bigger and greater things this year.

1:31:49.800 --> 1:31:52.120
<v Speaker 3>You got anything you want us to talk about anything,

1:31:52.520 --> 1:31:54.719
<v Speaker 3>make sure that you hit us on Street Politicians, pot

1:31:54.800 --> 1:31:58.000
<v Speaker 3>on Instagram, dm us, send us information if you have

1:31:58.080 --> 1:32:01.320
<v Speaker 3>any products. You know, we definitely got to have a

1:32:01.439 --> 1:32:05.520
<v Speaker 3>real business. Sure you have a real business. We showcase

1:32:05.600 --> 1:32:08.519
<v Speaker 3>small businesses on this platform. So we just want to

1:32:08.520 --> 1:32:11.479
<v Speaker 3>continue to grow. Man, thank you. We hope that this

1:32:11.640 --> 1:32:14.760
<v Speaker 3>year is better than last year. And like we always say,

1:32:14.800 --> 1:32:17.320
<v Speaker 3>I'm not gonna always be right to me. It's not

1:32:17.360 --> 1:32:20.120
<v Speaker 3>gonna always be wrong, but we both always and I

1:32:20.200 --> 1:32:23.640
<v Speaker 3>mean always be on that.

1:32:23.640 --> 1:32:24.679
<v Speaker 1>That's how we all need