1 00:00:00,080 --> 00:00:02,280 Speaker 1: Season two of the Black Tech Green Money podcast is 2 00:00:02,279 --> 00:00:04,800 Speaker 1: brought to you by Lexus and the December to Remember 3 00:00:04,840 --> 00:00:08,560 Speaker 1: sales event. From graduation parades to birthday parties. This year 4 00:00:08,800 --> 00:00:12,360 Speaker 1: Driveways hosted some new traditions. Here's to celebrating them all. 5 00:00:13,039 --> 00:00:21,360 Speaker 1: Experience Amazing at your Lexus, Dealing Afro Tech World, Gilly 6 00:00:21,400 --> 00:00:24,080 Speaker 1: the King and social media influencer and disrupt Your willow 7 00:00:24,160 --> 00:00:26,400 Speaker 1: To six seven are the host of The Million Dollars 8 00:00:26,400 --> 00:00:29,000 Speaker 1: Worth The Gang Show, a weekly podcast which is the 9 00:00:29,000 --> 00:00:33,199 Speaker 1: perfect blend of discussing music, real life issues, personal experiences, 10 00:00:33,440 --> 00:00:37,400 Speaker 1: honest advice in comedy, and our interview at Afro Tech. 11 00:00:37,640 --> 00:00:40,000 Speaker 1: I ask Gilly histor. Also, how we as black people 12 00:00:40,000 --> 00:00:43,760 Speaker 1: in business can stand confident about our value, our perspective, 13 00:00:44,120 --> 00:00:47,599 Speaker 1: our sauce when it's being challenged or not respected at 14 00:00:47,640 --> 00:00:50,720 Speaker 1: a premium. Number One, you gotta believe in what you're doing. 15 00:00:50,880 --> 00:00:53,080 Speaker 1: You know what I'm saying. That's number one. So if 16 00:00:53,120 --> 00:00:55,920 Speaker 1: you if you being innovative and you being creative, and 17 00:00:56,280 --> 00:01:01,200 Speaker 1: you you know in your mind that this is what 18 00:01:01,240 --> 00:01:03,360 Speaker 1: I feel is gonna be the next ship, you gotta 19 00:01:03,440 --> 00:01:06,800 Speaker 1: roll with that. I would never devalue myself for but 20 00:01:06,800 --> 00:01:09,600 Speaker 1: for nothing you feel what I'm saying. I know what 21 00:01:09,680 --> 00:01:14,440 Speaker 1: I'm worth, even even back when I was doing um 22 00:01:14,680 --> 00:01:19,360 Speaker 1: record deals. Yeah, I flew down the swave house. You 23 00:01:19,400 --> 00:01:22,880 Speaker 1: know Tony Draper, you know the really CEO that I 24 00:01:22,959 --> 00:01:25,200 Speaker 1: ever met in my life. Shout out to Tony Draper. 25 00:01:25,400 --> 00:01:29,520 Speaker 1: But he tried to do the ceo wine and Din 26 00:01:29,720 --> 00:01:32,720 Speaker 1: Rapper shipped to me. We got down there. We well 27 00:01:32,800 --> 00:01:35,200 Speaker 1: up to the gate. I never seen no house like 28 00:01:35,280 --> 00:01:38,520 Speaker 1: this in my life. Gates opened up. He got rained 29 00:01:38,600 --> 00:01:44,119 Speaker 1: fver a viper with the zipper windows and bad leaves, 30 00:01:44,120 --> 00:01:46,600 Speaker 1: all kinds of ship. You know what I mean. I 31 00:01:46,720 --> 00:01:49,520 Speaker 1: go in the drive. We we I'm talking no business. 32 00:01:49,560 --> 00:01:54,200 Speaker 1: I'm down there two old days just I'm meeting superstars. 33 00:01:54,320 --> 00:01:58,520 Speaker 1: I'm playing two and two against Jagget Edge. You I'm 34 00:01:58,520 --> 00:02:02,320 Speaker 1: gonnaiga straight from old Phil Like, yeah, why I like this? 35 00:02:03,920 --> 00:02:07,120 Speaker 1: The artist pulling up, his artist pulling up. That's already 36 00:02:07,200 --> 00:02:09,680 Speaker 1: going eight more pull up here in the big body, 37 00:02:09,960 --> 00:02:13,359 Speaker 1: five hundred fans mt T pull up here in the 38 00:02:13,520 --> 00:02:16,679 Speaker 1: old school. I'm like, God, damn, these niggas doing it 39 00:02:17,040 --> 00:02:20,120 Speaker 1: next day, Yes, they ball pull up here and something different. 40 00:02:20,160 --> 00:02:22,959 Speaker 1: I'm like, damn, when it was time to talk that 41 00:02:23,080 --> 00:02:25,919 Speaker 1: business don't want new the value ain't going on. This 42 00:02:26,000 --> 00:02:28,359 Speaker 1: is what I wanted, he said, I ain't never gave 43 00:02:28,400 --> 00:02:30,280 Speaker 1: a deal out that big in my life. I said, well, 44 00:02:30,360 --> 00:02:32,440 Speaker 1: it was nice meeting your drink, but I'm going back 45 00:02:32,520 --> 00:02:35,400 Speaker 1: to silly and he said, uh, you know what. I 46 00:02:35,560 --> 00:02:40,639 Speaker 1: like that. I like that you got that. So it 47 00:02:40,880 --> 00:02:45,359 Speaker 1: was just me believing in myself. You feel what I'm 48 00:02:45,400 --> 00:02:48,720 Speaker 1: saying and believing it because sometimes you get around these 49 00:02:48,840 --> 00:02:51,280 Speaker 1: companies and the motherfuck have been and played longer than you, 50 00:02:51,760 --> 00:02:56,600 Speaker 1: and they had you doubting yourself. Mh No, I don't 51 00:02:56,639 --> 00:03:00,200 Speaker 1: think it's supposed to go like that, because uh, did 52 00:03:00,280 --> 00:03:08,200 Speaker 1: you doing the same ship since eight one? I'm Will 53 00:03:08,280 --> 00:03:11,679 Speaker 1: Lucas and this is Black Tech, Green Money. I'm gonna 54 00:03:11,720 --> 00:03:13,560 Speaker 1: introduce you to some of the biggest names, some of 55 00:03:13,600 --> 00:03:17,079 Speaker 1: the brightest minds and brilliant ideas. If you're black and 56 00:03:17,160 --> 00:03:19,919 Speaker 1: building or simply using tech to secure your bank, this 57 00:03:20,080 --> 00:03:27,639 Speaker 1: podcast is for you. Ryan Glover is co founder and 58 00:03:27,720 --> 00:03:30,560 Speaker 1: chairman at Greenwood Bank, the new digital bank he's building 59 00:03:30,600 --> 00:03:34,160 Speaker 1: with Michael render A, Ka Rapper Killer Mike Ambassador, Andrew Young, 60 00:03:34,360 --> 00:03:38,200 Speaker 1: and serial tech entrepreneur Paul Judge. Greenwood's mission is to 61 00:03:38,240 --> 00:03:41,080 Speaker 1: help blacks and Latinos take control of the financial destiny 62 00:03:41,320 --> 00:03:45,120 Speaker 1: and build generational wealth. Previous to Greenwood Bank, Ryan was 63 00:03:45,160 --> 00:03:47,800 Speaker 1: in the music business as co founder of Noontime, the 64 00:03:47,920 --> 00:03:51,440 Speaker 1: music publishing and management company, which represented people like Jazz Faye, 65 00:03:51,840 --> 00:03:54,920 Speaker 1: Sierra Grammy, and war When, He producer Brian Michael Cox 66 00:03:55,000 --> 00:03:58,600 Speaker 1: and others. He's also founder of bound TV, the national 67 00:03:58,680 --> 00:04:01,520 Speaker 1: cable network, and the rest of Run in Atlanta Agency. 68 00:04:02,360 --> 00:04:05,160 Speaker 1: Ryan got his career jop starting at Howard alongside Puff 69 00:04:05,200 --> 00:04:07,320 Speaker 1: Daddy and Cassine Read, who would go on to be 70 00:04:07,440 --> 00:04:10,880 Speaker 1: the Mayor of Atlanta. As a student, Cassine Read compelled 71 00:04:10,960 --> 00:04:13,880 Speaker 1: Ryan to produce a hip hop concert for homecoming weekend. 72 00:04:14,520 --> 00:04:16,600 Speaker 1: Of all the people who could have produced that concert 73 00:04:16,640 --> 00:04:19,600 Speaker 1: would set off his stellar career. I wonder why Ryan 74 00:04:19,800 --> 00:04:23,440 Speaker 1: was recruited, what made him so special all those years ago. 75 00:04:23,880 --> 00:04:30,240 Speaker 1: So I've always been well, I've always been excited about 76 00:04:31,160 --> 00:04:37,039 Speaker 1: the entertainment industry, right, but I can't rap, sing, dance 77 00:04:37,600 --> 00:04:41,080 Speaker 1: my way out of a paperbag, right. So I've always 78 00:04:41,200 --> 00:04:48,560 Speaker 1: been excited about entertainment, but from a business perspective. Um So, 79 00:04:49,200 --> 00:04:52,760 Speaker 1: so back then on the on campus, you know, I 80 00:04:52,920 --> 00:04:57,880 Speaker 1: saw the energy that was being created not just on 81 00:04:58,120 --> 00:05:03,080 Speaker 1: our campus, but the musical energy that existed clearly in 82 00:05:03,160 --> 00:05:07,279 Speaker 1: New York, clearly in California where I was from, where 83 00:05:07,279 --> 00:05:11,880 Speaker 1: I'm from, and Atlanta, and I thought it would be 84 00:05:12,120 --> 00:05:17,920 Speaker 1: an amazing idea will to bring that energy to Washington, 85 00:05:18,040 --> 00:05:22,440 Speaker 1: d C. And to on to Howard's campus, right amidst 86 00:05:22,920 --> 00:05:27,520 Speaker 1: the wonderful culture of the of the go go experience 87 00:05:27,839 --> 00:05:30,920 Speaker 1: that existed in in d C. So it's almost like 88 00:05:31,080 --> 00:05:35,440 Speaker 1: gumbo that was being created right there on on Howard's campus. 89 00:05:35,800 --> 00:05:41,640 Speaker 1: And I tell you this, you know, being all at 90 00:05:41,760 --> 00:05:50,080 Speaker 1: Howard during those times was an incredible education, right. You know, 91 00:05:50,400 --> 00:05:55,840 Speaker 1: not only was I learning, will you know, scholastically, but 92 00:05:56,000 --> 00:06:02,040 Speaker 1: I was also learning um other cultures really Michael, within 93 00:06:02,440 --> 00:06:08,120 Speaker 1: my own culture, from individuals from different parts of the country, right, 94 00:06:08,600 --> 00:06:15,680 Speaker 1: and built relationships um with those individuals from Chicago, from 95 00:06:15,839 --> 00:06:21,600 Speaker 1: New York, from d C, from Texas, And those relationships, 96 00:06:21,680 --> 00:06:26,280 Speaker 1: as I tell my children today, are the relationships that 97 00:06:26,520 --> 00:06:33,920 Speaker 1: have helped me become successful um in life across multiple industries. Right. So, 98 00:06:34,640 --> 00:06:38,960 Speaker 1: as you know, I went to Howard University, graduated from Howard, 99 00:06:39,200 --> 00:06:45,880 Speaker 1: relocated to Atlanta, started a music and publishing company called noontime. 100 00:06:46,839 --> 00:06:51,960 Speaker 1: We made records at noontime from everybody from Mary J. 101 00:06:52,160 --> 00:06:57,080 Speaker 1: Blige to Aaliyah. We made records for puff Uh, we 102 00:06:57,320 --> 00:07:03,240 Speaker 1: signed um Jeezy neon Tempt, we signed Sierra UM. But 103 00:07:03,680 --> 00:07:10,080 Speaker 1: those relationships that we used to build that my first business, 104 00:07:10,160 --> 00:07:16,000 Speaker 1: our first business I garnered on Howard's campus, right, So, 105 00:07:16,400 --> 00:07:19,880 Speaker 1: so it was the relationships that I built, and it 106 00:07:20,080 --> 00:07:25,360 Speaker 1: was also the ability to do business right from with 107 00:07:25,520 --> 00:07:28,920 Speaker 1: the individuals that I that I met at Howard And 108 00:07:29,120 --> 00:07:34,320 Speaker 1: that's really my foundation of of business and how I 109 00:07:34,440 --> 00:07:40,200 Speaker 1: move UM into the future of of of Greenwood. There's 110 00:07:40,320 --> 00:07:43,160 Speaker 1: so many young people who listen to this podcast and 111 00:07:43,240 --> 00:07:46,160 Speaker 1: have dreams about being that front and center performer or 112 00:07:46,280 --> 00:07:49,040 Speaker 1: the athlete or whatever. UM, and you said this, you know, 113 00:07:49,160 --> 00:07:51,560 Speaker 1: I can't grap sing or dance whatever to say in 114 00:07:51,600 --> 00:07:55,040 Speaker 1: my life. UM. In the pursuit of the business side 115 00:07:55,080 --> 00:07:57,840 Speaker 1: of the entertainment industry, that New Times where I met you, 116 00:07:58,080 --> 00:08:00,960 Speaker 1: you know, so many years ago, feels like, UM, what 117 00:08:01,080 --> 00:08:05,200 Speaker 1: did you realize about the economical difference between the performer 118 00:08:05,240 --> 00:08:07,679 Speaker 1: who ultimately gets the bright lights and takes the selfies 119 00:08:07,760 --> 00:08:10,520 Speaker 1: with fans versus the person who may walk into a 120 00:08:10,640 --> 00:08:15,400 Speaker 1: room or go into a crowd undetected or unnoticed. So 121 00:08:16,040 --> 00:08:20,920 Speaker 1: so on on the economic side, um, let me just 122 00:08:21,000 --> 00:08:26,200 Speaker 1: address address that. You know, it's lights, camera action, so 123 00:08:26,880 --> 00:08:33,880 Speaker 1: so saving is always should be always at the forefront 124 00:08:34,400 --> 00:08:41,960 Speaker 1: of anybody in entertainment or any other industries, UH frontal 125 00:08:42,040 --> 00:08:46,160 Speaker 1: low in their thinking right because as we all know, 126 00:08:47,040 --> 00:08:53,760 Speaker 1: in entertainment specifically, but just in life, nothing lasts forever. 127 00:08:54,840 --> 00:09:00,160 Speaker 1: So so once you have that understanding that that you 128 00:09:00,240 --> 00:09:04,880 Speaker 1: mentioned the right lights, at some point those lights will dim. 129 00:09:05,800 --> 00:09:09,000 Speaker 1: I don't care if you are on stage or I 130 00:09:09,040 --> 00:09:13,240 Speaker 1: don't care if you are backstage. Right, there is always 131 00:09:14,040 --> 00:09:19,520 Speaker 1: someone who is gonna be a little more talented than 132 00:09:19,600 --> 00:09:23,520 Speaker 1: you are, a little younger than you, a little faster 133 00:09:23,679 --> 00:09:27,880 Speaker 1: than you. So you really have to look at your 134 00:09:27,960 --> 00:09:34,360 Speaker 1: talent and understand will that that it's everything lass in 135 00:09:34,600 --> 00:09:39,800 Speaker 1: chapters and in seasons, So you have to prepare yourself accordingly. 136 00:09:40,160 --> 00:09:43,760 Speaker 1: You know, as a business person, you know I've been 137 00:09:43,840 --> 00:09:50,000 Speaker 1: saying the art of recalibration is what can what allows 138 00:09:50,840 --> 00:09:53,800 Speaker 1: you as a businessman to continue to grow. You know, 139 00:09:54,320 --> 00:09:58,839 Speaker 1: I've been in in music, I've been in television and 140 00:09:58,960 --> 00:10:04,120 Speaker 1: film and out I am in uh in banking services 141 00:10:04,200 --> 00:10:09,760 Speaker 1: and digital banking, services industry, and you know, my recalibration 142 00:10:10,520 --> 00:10:17,480 Speaker 1: has um allowed me to change industries, right, But my 143 00:10:17,720 --> 00:10:24,720 Speaker 1: strategies in the way I operate as a businessman remains consistent, 144 00:10:25,520 --> 00:10:30,839 Speaker 1: and and that really starts with for me, trusting in 145 00:10:30,960 --> 00:10:36,240 Speaker 1: God and putting God first with whatever I do right 146 00:10:36,679 --> 00:10:40,559 Speaker 1: and then also doing the best that I can to 147 00:10:40,840 --> 00:10:45,640 Speaker 1: treat people the way I want to be treated, um, 148 00:10:46,600 --> 00:10:50,800 Speaker 1: whether they are on my side of the negotiating table 149 00:10:51,240 --> 00:10:54,240 Speaker 1: or on the or whether they're on the opposite side 150 00:10:54,280 --> 00:10:56,679 Speaker 1: of the table. A lot of times people will realize, 151 00:10:57,160 --> 00:11:01,480 Speaker 1: you know, truly honesty is really the as policy, whether 152 00:11:01,679 --> 00:11:06,000 Speaker 1: you right, whether whether whether you want to you'd say 153 00:11:06,160 --> 00:11:08,920 Speaker 1: something to somebody that you think that they don't want 154 00:11:08,920 --> 00:11:11,280 Speaker 1: to hear, and they might not want to hear it, 155 00:11:11,720 --> 00:11:14,559 Speaker 1: but at the end of the day, if you're dealing 156 00:11:14,679 --> 00:11:19,920 Speaker 1: with grown ups, grown ups will understand it and respect it, 157 00:11:20,400 --> 00:11:25,160 Speaker 1: and then that will allow you no matter where your 158 00:11:25,320 --> 00:11:31,000 Speaker 1: professional career journey takes you, will allow you to garner 159 00:11:31,120 --> 00:11:35,520 Speaker 1: that same respect with that earlier individual or with the 160 00:11:35,640 --> 00:11:39,599 Speaker 1: individual that you're currently dealing with in that given time. So, 161 00:11:39,840 --> 00:11:44,600 Speaker 1: I mean, those are my two basic strategies of whatever. 162 00:11:44,679 --> 00:11:48,480 Speaker 1: And listen, if I move to um opening up a 163 00:11:48,559 --> 00:11:54,000 Speaker 1: hot dog stand in front of a a sports arena. 164 00:11:54,800 --> 00:11:59,040 Speaker 1: I'm gonna use the same strategies of the same strategies 165 00:11:59,080 --> 00:12:02,640 Speaker 1: I use in banking. The state use intelligent film, same 166 00:12:02,679 --> 00:12:06,840 Speaker 1: strategies and methodologies are using music. Yeah, and that honestly 167 00:12:06,920 --> 00:12:09,920 Speaker 1: gives them the opportunity to deal with it. However, they 168 00:12:10,000 --> 00:12:11,480 Speaker 1: got to deal with it. But come back to the 169 00:12:11,520 --> 00:12:16,880 Speaker 1: table for everybody's benefit. Yeah. Yeah, you mentioned relationships, and um, 170 00:12:17,240 --> 00:12:19,719 Speaker 1: you know I saw an interview with you where you 171 00:12:19,760 --> 00:12:22,240 Speaker 1: said the best business advice you ever received was never 172 00:12:22,360 --> 00:12:26,320 Speaker 1: give your partner surprises. Um. When I think about that advice, 173 00:12:26,920 --> 00:12:30,120 Speaker 1: I consider how much a business partnership it's like a 174 00:12:30,240 --> 00:12:34,800 Speaker 1: marriage and probably shouldn't be entered into frivolously. Right. And 175 00:12:35,400 --> 00:12:38,680 Speaker 1: if if then we are the culture as in black people, 176 00:12:38,720 --> 00:12:41,560 Speaker 1: If we are the culture that drives all global culture, 177 00:12:41,640 --> 00:12:45,319 Speaker 1: whether you're talking about food, fashion, music, sports, or whatever. 178 00:12:46,440 --> 00:12:49,319 Speaker 1: Then if you put two or three of us together, um, 179 00:12:49,960 --> 00:12:53,280 Speaker 1: we should dominate, right if we're to you know, globally 180 00:12:53,440 --> 00:12:56,679 Speaker 1: and all of these things, and we're not in everything. 181 00:12:57,080 --> 00:13:00,560 Speaker 1: And so I wonder, um, is it because we may 182 00:13:00,640 --> 00:13:03,080 Speaker 1: be misaligned with our partnerships, or is it something else. 183 00:13:03,160 --> 00:13:05,319 Speaker 1: I wonder what your thoughts are on how to build 184 00:13:05,360 --> 00:13:10,120 Speaker 1: successful business partnerships because you've done so many over your career. Well, 185 00:13:10,400 --> 00:13:16,599 Speaker 1: I should say, yeah, so so building successful partnerships. You know, 186 00:13:17,200 --> 00:13:26,400 Speaker 1: in all candor, oftentimes people look at like myself, they 187 00:13:26,600 --> 00:13:34,080 Speaker 1: only remember the successes, But will I have had multiple 188 00:13:34,720 --> 00:13:41,240 Speaker 1: upon multiple upon multiple failures right to go along with 189 00:13:41,360 --> 00:13:48,240 Speaker 1: those successes, I've actually learned more and appreciated and it 190 00:13:48,360 --> 00:13:54,160 Speaker 1: sounds crazy, more in my failures than my successes, right, 191 00:13:55,000 --> 00:14:00,640 Speaker 1: And in those failures, you know, I learned earned really 192 00:14:01,320 --> 00:14:08,480 Speaker 1: how to treat people and how to um identify not 193 00:14:08,760 --> 00:14:15,040 Speaker 1: just talent but also partnerships. That I went and applied 194 00:14:16,920 --> 00:14:24,320 Speaker 1: those tactics and strategies two businesses that ended up working. Right. So, 195 00:14:25,000 --> 00:14:28,840 Speaker 1: you know, we live in a generation now where everybody 196 00:14:29,120 --> 00:14:35,960 Speaker 1: wants everything micro waverable. You know, you know I you 197 00:14:36,080 --> 00:14:45,200 Speaker 1: mentioned party promotion at Howard. I used to study, go 198 00:14:45,320 --> 00:14:51,880 Speaker 1: to school, study, taking nap at night, wake up at 199 00:14:51,880 --> 00:14:55,400 Speaker 1: twelve am in the morning and go pass out three thousand, 200 00:14:55,880 --> 00:15:01,240 Speaker 1: four thousand flyers hand to hand at an event at 201 00:15:01,280 --> 00:15:04,320 Speaker 1: an upcoming event that I was promoting into the wee 202 00:15:04,440 --> 00:15:08,240 Speaker 1: bit hours and then get up and do it all 203 00:15:08,320 --> 00:15:15,560 Speaker 1: over again weeks on in while at school while promoting, right, 204 00:15:16,680 --> 00:15:21,520 Speaker 1: that's that's the grind now kids a lot of times 205 00:15:22,400 --> 00:15:26,320 Speaker 1: and Riley, So technology is great. I'm thank the Lord 206 00:15:26,520 --> 00:15:30,400 Speaker 1: for technology. But technology is could be a gift and 207 00:15:30,600 --> 00:15:36,680 Speaker 1: a curse at the same time because although you know, 208 00:15:37,320 --> 00:15:40,320 Speaker 1: the younger generation is definitely on the hustle and I 209 00:15:40,480 --> 00:15:44,600 Speaker 1: love it. I love everything that I see, um from 210 00:15:44,680 --> 00:15:50,440 Speaker 1: the the younger generation across multiple industries. But there's something 211 00:15:51,080 --> 00:15:55,360 Speaker 1: to the fact to the art for me of putting 212 00:15:55,400 --> 00:16:01,280 Speaker 1: a flyer on a car, right, yeah, I did that. 213 00:16:01,640 --> 00:16:06,560 Speaker 1: I did that. That that that you just you can't 214 00:16:06,760 --> 00:16:13,160 Speaker 1: duplicate that. That grind hand combat, yeah yeah, and that grind, 215 00:16:13,760 --> 00:16:16,240 Speaker 1: that grind is always in the forefront of my mind 216 00:16:16,760 --> 00:16:23,960 Speaker 1: whatever I do. It's ironic. Man, the the more uh 217 00:16:25,000 --> 00:16:35,400 Speaker 1: the world perceives of my success, uh, the more instable 218 00:16:35,680 --> 00:16:38,640 Speaker 1: in stable I become, right because I'm like, you know, 219 00:16:39,640 --> 00:16:42,360 Speaker 1: I don't I can't. I can't really, I can't really 220 00:16:43,000 --> 00:16:47,920 Speaker 1: process success. I can only process I can't process past success. 221 00:16:48,320 --> 00:16:53,320 Speaker 1: I can only focus on what's in front of me, right, Yeah, 222 00:16:53,360 --> 00:16:58,080 Speaker 1: I'm not looking backwards, I'm looking forwards, um, because there's 223 00:16:58,400 --> 00:17:01,200 Speaker 1: there's still more work to be be done. There's still 224 00:17:01,320 --> 00:17:05,680 Speaker 1: more good trouble to get into, you know. Um, so 225 00:17:06,359 --> 00:17:11,400 Speaker 1: so so that's that's that's my mindset man. Um. Far 226 00:17:11,560 --> 00:17:14,240 Speaker 1: too many of us in our community have dreams of 227 00:17:14,320 --> 00:17:18,760 Speaker 1: starting companies and don't have adequate business business banking relationships 228 00:17:18,880 --> 00:17:22,720 Speaker 1: right or banking relationships period um. In fact, too many 229 00:17:22,800 --> 00:17:26,480 Speaker 1: of us avoid banks altogether and or just use banks 230 00:17:26,520 --> 00:17:29,239 Speaker 1: for you know, depositing their check and you know debit cards. Right. 231 00:17:29,280 --> 00:17:32,639 Speaker 1: And you said in the previous interview, Uh, this is 232 00:17:32,680 --> 00:17:36,280 Speaker 1: our time speaking about Greenwood to take back control of 233 00:17:36,359 --> 00:17:40,320 Speaker 1: our lives and our financial future. Um, for it would 234 00:17:40,400 --> 00:17:43,679 Speaker 1: be entrepreneur in our community. What does a good banking 235 00:17:43,760 --> 00:17:45,879 Speaker 1: relationship look like? This is a big question, but what 236 00:17:45,960 --> 00:17:48,520 Speaker 1: does a good banking relationship look like? How are we 237 00:17:48,600 --> 00:17:52,400 Speaker 1: supposed to engage with banks? Um, bankers a should say, 238 00:17:52,480 --> 00:17:56,440 Speaker 1: even for services other than just making deposits into an account? 239 00:17:56,840 --> 00:17:58,879 Speaker 1: And what level of bank er should we be talking to? Like, 240 00:17:59,000 --> 00:18:01,760 Speaker 1: so we start with the teller, like what, let's walk 241 00:18:01,840 --> 00:18:06,960 Speaker 1: us through this? Yeah, so so so I believe Speaking 242 00:18:07,000 --> 00:18:11,440 Speaker 1: of technology, we're in a new digital age. So sixty 243 00:18:12,280 --> 00:18:18,080 Speaker 1: of Americans are banking digitally currently. Um. That number is 244 00:18:18,200 --> 00:18:23,800 Speaker 1: kicking up around three per year. And there are really 245 00:18:23,960 --> 00:18:30,119 Speaker 1: no UM authentic digital banking solutions that cater to the 246 00:18:30,200 --> 00:18:36,000 Speaker 1: African American and Latin X community really until Greenwood. So 247 00:18:36,080 --> 00:18:40,800 Speaker 1: we're a fintech nel bank that provides modern digital banking 248 00:18:41,040 --> 00:18:45,560 Speaker 1: services for for the for the culture. Right. So, so 249 00:18:45,760 --> 00:18:50,040 Speaker 1: you know some of our services your full service UH 250 00:18:50,520 --> 00:18:53,879 Speaker 1: bank in your hand, savings and spending the count We 251 00:18:54,040 --> 00:18:57,639 Speaker 1: have Apple and Android pay, peer to peer money transfers, 252 00:18:57,720 --> 00:19:02,760 Speaker 1: mobile deposits globally TM network, UM, no hidden fees and 253 00:19:02,880 --> 00:19:07,760 Speaker 1: one of my favorite features UM today early early path UM. 254 00:19:08,520 --> 00:19:10,720 Speaker 1: But the fact of the matter is there are three 255 00:19:10,800 --> 00:19:15,040 Speaker 1: problems well that we will solve UM. And as a 256 00:19:15,119 --> 00:19:22,120 Speaker 1: reason why we stood, we're standing Greenwood up. UM. One. UM, 257 00:19:22,640 --> 00:19:26,080 Speaker 1: you know, in our communities there are far too many 258 00:19:27,000 --> 00:19:33,280 Speaker 1: predatory banking services that we cater to. We want to 259 00:19:33,520 --> 00:19:42,040 Speaker 1: extinguish those predatory services. Two and oh to Greenwood. We 260 00:19:42,320 --> 00:19:47,920 Speaker 1: want to be a part of the solution of recirculating 261 00:19:49,040 --> 00:19:54,960 Speaker 1: capital back into our communities as once had what was 262 00:19:55,160 --> 00:20:00,480 Speaker 1: happened in the Greenwood district in Tulsa, Oklahoma. UM. You know, 263 00:20:01,000 --> 00:20:04,720 Speaker 1: we often hear about Black Wall Street in all of 264 00:20:04,800 --> 00:20:10,240 Speaker 1: the thriving businesses that existed during the twenties and that time. 265 00:20:10,840 --> 00:20:14,560 Speaker 1: But you know the reason why those businesses flourished is 266 00:20:14,640 --> 00:20:20,879 Speaker 1: because one dollar recirculated thirty six times in that one community, 267 00:20:21,880 --> 00:20:28,800 Speaker 1: and that allowed UM. That allowed the barber, the banks, 268 00:20:29,680 --> 00:20:37,359 Speaker 1: the the grocers, the attorneys, right the the doctors, right 269 00:20:37,520 --> 00:20:42,200 Speaker 1: the bowling alleys, that whatever businesses were in those communities, 270 00:20:42,640 --> 00:20:47,639 Speaker 1: that money recirculated and everybody got a bite at the apple. 271 00:20:48,640 --> 00:20:54,960 Speaker 1: Unfortunately for us, in our community today, one dollar man 272 00:20:55,160 --> 00:21:01,280 Speaker 1: recirculates six hours. So so you know, at Greenwood, through 273 00:21:01,359 --> 00:21:06,560 Speaker 1: our Greenwood Gives Back round Up program, our customers have 274 00:21:06,680 --> 00:21:12,560 Speaker 1: the opportunity to donate their rounded up change to three 275 00:21:12,760 --> 00:21:17,960 Speaker 1: causes we care about um UT one the n double 276 00:21:18,040 --> 00:21:22,560 Speaker 1: a CP to fight civil rights, um to U n 277 00:21:22,640 --> 00:21:27,720 Speaker 1: c F to support education, and three there's a wonderful 278 00:21:27,760 --> 00:21:32,120 Speaker 1: company in Atlanta that feeds um the hungry and homeless 279 00:21:32,160 --> 00:21:37,360 Speaker 1: called good or UM. And our customers have the opportunity 280 00:21:38,440 --> 00:21:40,920 Speaker 1: to donate a portion of their rounded up change to 281 00:21:41,040 --> 00:21:45,040 Speaker 1: either one of those organizations or a combination of the three. 282 00:21:45,640 --> 00:21:51,919 Speaker 1: And then every quarter Greenwood UM we will UM as 283 00:21:51,960 --> 00:21:55,200 Speaker 1: a banking solution, donate and match those funds to those 284 00:21:55,440 --> 00:22:01,520 Speaker 1: to those organizations. The third UM solution, the so third 285 00:22:01,600 --> 00:22:05,200 Speaker 1: problem that we're going to solve is the deployment of 286 00:22:05,320 --> 00:22:12,480 Speaker 1: capital in our communities. Right. So, you know I've started 287 00:22:13,800 --> 00:22:17,159 Speaker 1: a couple of businesses that have done well. None of 288 00:22:17,200 --> 00:22:22,960 Speaker 1: those businesses we're started or stood up with banking capital. 289 00:22:23,920 --> 00:22:28,480 Speaker 1: So you know, we don't have the relationships that our 290 00:22:28,560 --> 00:22:36,639 Speaker 1: counterparts have UM that allows us to create wealth personally 291 00:22:37,080 --> 00:22:44,400 Speaker 1: or professionally like others do UM and and we plan 292 00:22:44,520 --> 00:22:48,159 Speaker 1: on solving that problem UM or being a part of 293 00:22:48,240 --> 00:22:52,879 Speaker 1: the solution to that problem. Uh So, really to answer 294 00:22:52,960 --> 00:22:59,080 Speaker 1: your question, you know, we we are an authentic banking 295 00:22:59,200 --> 00:23:03,880 Speaker 1: solution that knows how to because I am one identify 296 00:23:04,560 --> 00:23:11,359 Speaker 1: small business owners UM that that you know, I have 297 00:23:11,600 --> 00:23:16,920 Speaker 1: great ideas, have wonderful talent, I have a great support system, 298 00:23:17,240 --> 00:23:21,280 Speaker 1: have a marketplace, but just don't have the capital to 299 00:23:22,119 --> 00:23:27,200 Speaker 1: to turn their business from a micro business to a 300 00:23:27,400 --> 00:23:31,040 Speaker 1: major business. And we're we're bullish, We're bullish on that 301 00:23:31,840 --> 00:23:51,600 Speaker 1: um UM as A as A as a company. Season 302 00:23:51,680 --> 00:23:53,840 Speaker 1: two of the Black Tech Green Money Podcast is brought 303 00:23:53,920 --> 00:23:57,080 Speaker 1: to you by Lexus, known for celebrating driveway moments for 304 00:23:57,119 --> 00:24:00,040 Speaker 1: over thirty years. Lexus invites you to create more with 305 00:24:00,160 --> 00:24:03,000 Speaker 1: exclusive offers on the most popular Alexis models at the 306 00:24:03,080 --> 00:24:07,560 Speaker 1: December to Remember Sales event. Experience Amazing at your Alexis dealer. 307 00:24:08,760 --> 00:24:10,640 Speaker 1: This year, I read the book The Color of Money 308 00:24:10,760 --> 00:24:13,680 Speaker 1: by Mercer Barraturan, and she talked about how black people 309 00:24:13,760 --> 00:24:16,920 Speaker 1: have not yet overcome the mindset and systemic oppression of 310 00:24:17,080 --> 00:24:21,520 Speaker 1: being capital to having capital. Ryan's new effort with Green 311 00:24:21,560 --> 00:24:24,480 Speaker 1: Would Bank, it's on the mission to change that for 312 00:24:24,600 --> 00:24:27,479 Speaker 1: many have tried before. How will Green Would make an 313 00:24:27,520 --> 00:24:32,880 Speaker 1: impact on this pervasive issue? Ryan Glover speaks on it, Well, 314 00:24:33,320 --> 00:24:37,240 Speaker 1: we have good reason. You read the book, so you 315 00:24:37,400 --> 00:24:43,879 Speaker 1: understand we have good reason to mistrust banks. So you 316 00:24:44,000 --> 00:24:50,600 Speaker 1: know in eighteen hundreds US a Freeman's bank, that right 317 00:24:50,880 --> 00:24:58,000 Speaker 1: that that actually duped thousands of African Americans out of 318 00:24:58,040 --> 00:25:02,520 Speaker 1: their savings and and those trustees who ran the bank 319 00:25:03,480 --> 00:25:08,840 Speaker 1: UH misappropriated their funds into investments that never panned out. 320 00:25:09,480 --> 00:25:16,959 Speaker 1: They're over three thousand um um um um individuals who 321 00:25:17,080 --> 00:25:20,520 Speaker 1: lost who lost money in that one bank, and that 322 00:25:20,800 --> 00:25:28,000 Speaker 1: actual tread tragedy and travesty. Unfortunately, from a folklore standpoint, 323 00:25:28,119 --> 00:25:32,960 Speaker 1: that story has been told generation to generation and we 324 00:25:33,160 --> 00:25:37,840 Speaker 1: haven't gotten over it as a culture. Um, you know 325 00:25:38,200 --> 00:25:44,960 Speaker 1: there's no there's no mystery or there's no falsehood in 326 00:25:45,800 --> 00:25:52,280 Speaker 1: our grandparents are great grandparents actually using their mattresses as 327 00:25:52,440 --> 00:25:58,959 Speaker 1: their savings and deposits? Right because bank mistrust? And then 328 00:25:59,080 --> 00:26:04,440 Speaker 1: you fast forward word you know all of the the 329 00:26:05,119 --> 00:26:10,680 Speaker 1: the the issues that some traditional banks have had with 330 00:26:10,840 --> 00:26:18,080 Speaker 1: predatory lending, redlining. Um you know of the sort. Uh 331 00:26:18,720 --> 00:26:23,159 Speaker 1: you know, the current community doesn't. We're not we're not 332 00:26:23,320 --> 00:26:28,800 Speaker 1: trusting banks, um curb currently. Right. So you know we 333 00:26:28,960 --> 00:26:32,760 Speaker 1: know also too that we are as a community, uh 334 00:26:33,520 --> 00:26:39,600 Speaker 1: a lot less likely to receive loans than our white counterparts. 335 00:26:40,119 --> 00:26:46,600 Speaker 1: So all of that combustion, combustible bad will for decades 336 00:26:47,520 --> 00:26:53,200 Speaker 1: has created a mistrust in banks, right. Um, you know, 337 00:26:53,680 --> 00:26:58,880 Speaker 1: we are attempting to build that trust back, and we're 338 00:26:59,560 --> 00:27:05,159 Speaker 1: coming at an approaching it from a standpoint of I 339 00:27:05,280 --> 00:27:10,720 Speaker 1: am not a banker, but we have hired bankers to 340 00:27:11,240 --> 00:27:16,399 Speaker 1: operate our business. But me not being a physical banker, 341 00:27:16,960 --> 00:27:21,919 Speaker 1: I understand. I believe what the community and the small 342 00:27:22,040 --> 00:27:26,680 Speaker 1: business person and just the everyday African American and Latin 343 00:27:26,840 --> 00:27:33,200 Speaker 1: X customer needs to understand on creating an authentic banking 344 00:27:33,320 --> 00:27:40,119 Speaker 1: solution and we're speaking directly and authentically, UM to to that, 345 00:27:40,400 --> 00:27:44,640 Speaker 1: to that individual, and hopefully over time we will build 346 00:27:44,720 --> 00:27:49,720 Speaker 1: trust back into the community from a banking perspective. Um. 347 00:27:50,200 --> 00:27:54,159 Speaker 1: You know, and yes there are other great African American 348 00:27:54,640 --> 00:28:00,200 Speaker 1: banks that that exists, but I candidly think, you know 349 00:28:00,840 --> 00:28:06,639 Speaker 1: not no of the traditionals or the African American current 350 00:28:06,720 --> 00:28:13,080 Speaker 1: banks are speaking to the generation, UM, that we currently 351 00:28:13,240 --> 00:28:18,280 Speaker 1: exist in the way we organically and authentically can. And 352 00:28:18,400 --> 00:28:22,119 Speaker 1: that's what we're that's what we're going to do of it. Um. 353 00:28:22,440 --> 00:28:26,600 Speaker 1: You've broken into very well, you know, these industries that 354 00:28:26,760 --> 00:28:28,800 Speaker 1: have high bars in a lot of ways to get into, 355 00:28:28,880 --> 00:28:31,320 Speaker 1: you know what, whether it be owning television stations and 356 00:28:31,400 --> 00:28:34,119 Speaker 1: not holding a bank, etcetera. And talk to me like 357 00:28:34,359 --> 00:28:37,640 Speaker 1: number one, like, what what is it that Ryan has 358 00:28:37,760 --> 00:28:39,680 Speaker 1: in his background that says, you know what, we're going 359 00:28:39,720 --> 00:28:41,680 Speaker 1: to give him the keys to this next level of 360 00:28:41,760 --> 00:28:44,440 Speaker 1: success Because a lot of people may go to start 361 00:28:44,480 --> 00:28:46,959 Speaker 1: a television network and can't get it done. A lot 362 00:28:47,000 --> 00:28:49,000 Speaker 1: of people want to start a bank, can't get it done, 363 00:28:49,400 --> 00:28:52,160 Speaker 1: not for like a trying, But what is it? What 364 00:28:52,320 --> 00:28:58,280 Speaker 1: is it that people miss? Here? Here's my secret partner 365 00:28:58,360 --> 00:29:06,160 Speaker 1: with people as smart or smarter than you in those industries. Okay, 366 00:29:07,200 --> 00:29:13,160 Speaker 1: that's where I start. Um. I always start with, whether 367 00:29:13,600 --> 00:29:18,160 Speaker 1: whether it be music, television and film, um now banking services, 368 00:29:18,840 --> 00:29:26,640 Speaker 1: I start with where is the opportunity and that can't 369 00:29:26,720 --> 00:29:32,680 Speaker 1: could be filled? That's not right. In music, we started 370 00:29:32,720 --> 00:29:39,200 Speaker 1: Noontime from the auspices of they're amazed, a ton of 371 00:29:39,320 --> 00:29:44,760 Speaker 1: amazing production companies and record companies that are doing amazing work. 372 00:29:45,160 --> 00:29:54,440 Speaker 1: So so Deaf Bad Boy, Deaf Jam death Row Right 373 00:29:55,320 --> 00:29:57,760 Speaker 1: death Row came a little bit after us, but you 374 00:29:57,840 --> 00:30:02,280 Speaker 1: get my get my point, um. But we at Noontime 375 00:30:03,440 --> 00:30:07,240 Speaker 1: we all knew myself, Chris Hicks and Henry Lead, we 376 00:30:07,360 --> 00:30:11,120 Speaker 1: all knew that neither none of us could wrap singer 377 00:30:11,280 --> 00:30:15,280 Speaker 1: dance away out of a paper bag. But we are 378 00:30:15,400 --> 00:30:18,880 Speaker 1: Angle was being the best business people that we could 379 00:30:18,960 --> 00:30:26,480 Speaker 1: be to support the talent. Right that that led the company. 380 00:30:27,080 --> 00:30:30,840 Speaker 1: We weren't the talent and the other companies that we 381 00:30:30,960 --> 00:30:35,480 Speaker 1: were competing with they were led by talent. Our Angle 382 00:30:36,000 --> 00:30:40,280 Speaker 1: was not to lead by talent, but lead through business 383 00:30:40,840 --> 00:30:46,440 Speaker 1: and business executives. Right, So that was our niche bounce. 384 00:30:47,760 --> 00:30:51,280 Speaker 1: We were the first African, We are the first African 385 00:30:51,320 --> 00:30:57,440 Speaker 1: American broadcast network in existence. Right, we knew, I knew 386 00:30:58,080 --> 00:31:04,400 Speaker 1: that black and brown folks UM, you know, wanted to 387 00:31:04,560 --> 00:31:13,440 Speaker 1: watch compelling, captivating entertainment entertaining television programming. But we all 388 00:31:13,600 --> 00:31:20,120 Speaker 1: don't have dollars to UH enlisted in a cable operator, right, 389 00:31:20,600 --> 00:31:23,560 Speaker 1: So how can we become the first over the air 390 00:31:23,760 --> 00:31:31,200 Speaker 1: network that provided free entertaining UM content to the masses 391 00:31:32,200 --> 00:31:36,760 Speaker 1: over the air broadcast content like an NBC, ABC, Fox. 392 00:31:37,360 --> 00:31:42,720 Speaker 1: And we did it UM and partnered with individuals who 393 00:31:43,000 --> 00:31:46,480 Speaker 1: knew that business like the back of their hands. Same 394 00:31:46,560 --> 00:31:52,040 Speaker 1: thing with with with Greenwood UM. There's an opportunity to 395 00:31:52,200 --> 00:31:58,000 Speaker 1: serve a zero served African American and Latin X community 396 00:31:59,040 --> 00:32:06,520 Speaker 1: from a you know, banking perspective. UM. Partnering with bankers 397 00:32:07,600 --> 00:32:13,280 Speaker 1: UM and individuals of like thinking to grow this business 398 00:32:13,760 --> 00:32:19,200 Speaker 1: is the way we're growing the Greenwood UH banking solution. 399 00:32:19,880 --> 00:32:23,320 Speaker 1: So all all of the businesses that have all ever 400 00:32:23,480 --> 00:32:28,360 Speaker 1: started always has started with the mission and then a 401 00:32:28,520 --> 00:32:36,280 Speaker 1: devout commitment to create UH compelling content that I believe 402 00:32:36,600 --> 00:32:43,480 Speaker 1: resonate with our consumers UM and then do it consistently UM. 403 00:32:43,880 --> 00:32:47,120 Speaker 1: And that has just grown and I believe, you know, 404 00:32:47,200 --> 00:32:52,080 Speaker 1: going back to trust, will you know, based on my 405 00:32:52,440 --> 00:32:58,760 Speaker 1: past successes and failures that folks don't talk about. I 406 00:32:58,920 --> 00:33:04,280 Speaker 1: have built trust as an executive and that is carried 407 00:33:04,440 --> 00:33:08,200 Speaker 1: over and from music to television and film and now 408 00:33:08,280 --> 00:33:14,320 Speaker 1: the banking and in that trust is resonating in the 409 00:33:14,480 --> 00:33:21,280 Speaker 1: community with our mission at Greenwood. UM. Speaking of what 410 00:33:21,560 --> 00:33:24,680 Speaker 1: you were appointed to the Martyr board back and I 411 00:33:24,720 --> 00:33:28,960 Speaker 1: think seen um, which to me indicates like that you 412 00:33:29,040 --> 00:33:32,200 Speaker 1: see the correlations between like political power or influence and 413 00:33:32,320 --> 00:33:36,080 Speaker 1: a true opportunity to serve the community and make it better. UM. 414 00:33:36,280 --> 00:33:40,280 Speaker 1: So many business people avoid getting involved in government or politics, 415 00:33:40,400 --> 00:33:43,080 Speaker 1: and so many government types either avoided don't have the 416 00:33:43,200 --> 00:33:47,240 Speaker 1: jobs to succeed in an enterprise. UM. For those of 417 00:33:47,360 --> 00:33:50,239 Speaker 1: us out there who are growing companies but also are 418 00:33:50,280 --> 00:33:53,640 Speaker 1: getting called on to serve, how do you recommend we 419 00:33:54,000 --> 00:33:58,520 Speaker 1: or they? UM, both think about their responsibility and their 420 00:33:58,600 --> 00:34:02,000 Speaker 1: overall legacy and ability to create chase for the community 421 00:34:02,080 --> 00:34:06,920 Speaker 1: and for you know, their lineage. So here's how I'll 422 00:34:06,960 --> 00:34:10,640 Speaker 1: answer that and kind of be around the block, but 423 00:34:10,719 --> 00:34:14,720 Speaker 1: I'll get to my point. So I have five children 424 00:34:15,680 --> 00:34:21,440 Speaker 1: from the ages of twenty one uh to seven, and 425 00:34:22,719 --> 00:34:28,000 Speaker 1: I believe in that the more time you invest time 426 00:34:28,800 --> 00:34:35,640 Speaker 1: that you invest into your children, the more successful they 427 00:34:35,719 --> 00:34:44,640 Speaker 1: will become, and the the the more valuable from an 428 00:34:44,719 --> 00:34:51,080 Speaker 1: economic standpoint they will become for themselves. Okay, soh so 429 00:34:51,760 --> 00:34:56,320 Speaker 1: that time that I invest into my children may be 430 00:34:56,560 --> 00:35:03,680 Speaker 1: perceived or directly a time suck for me that is 431 00:35:03,800 --> 00:35:11,440 Speaker 1: not registering to a dollar earned. Right, what I understand 432 00:35:11,600 --> 00:35:17,359 Speaker 1: that that investment that I don't reap a monetary benefit from, 433 00:35:17,920 --> 00:35:24,279 Speaker 1: will harvest itself in my children's life generationally, that will 434 00:35:24,400 --> 00:35:31,320 Speaker 1: provide for generational wealth down the world. Okay, UM, here's 435 00:35:31,440 --> 00:35:39,879 Speaker 1: the analogy. The more you lend your talents and your services, 436 00:35:40,800 --> 00:35:48,960 Speaker 1: two causes and organizations that span outside of where you 437 00:35:50,400 --> 00:35:56,840 Speaker 1: directly earn a living, too, will build and harvest relationships 438 00:35:57,200 --> 00:36:06,080 Speaker 1: and value. Right, that right that you will benefit from, um, 439 00:36:06,719 --> 00:36:11,480 Speaker 1: And you might not benefit from it directly or the 440 00:36:11,640 --> 00:36:17,359 Speaker 1: next day or the next week, but inevitably you will 441 00:36:17,480 --> 00:36:24,120 Speaker 1: benefit directly or you know, or you will be the 442 00:36:25,320 --> 00:36:28,680 Speaker 1: benefactor or you will allow someone else to benefit from 443 00:36:28,760 --> 00:36:31,680 Speaker 1: the from the knowledge that you provide to them, which 444 00:36:31,760 --> 00:36:36,600 Speaker 1: is the value. Right. So you know, I often I 445 00:36:36,760 --> 00:36:41,320 Speaker 1: get asked to do favors often, and a lot of 446 00:36:41,440 --> 00:36:45,759 Speaker 1: times UM individuals say hey, well, if you can do this, 447 00:36:46,040 --> 00:36:50,000 Speaker 1: for me. I will do that this for you. I 448 00:36:50,360 --> 00:36:57,359 Speaker 1: will never do favors looking for a direct return, right 449 00:36:57,960 --> 00:37:01,880 Speaker 1: because I know and I've been living long enough to 450 00:37:02,080 --> 00:37:06,399 Speaker 1: know that that return will come in a different form 451 00:37:06,480 --> 00:37:11,440 Speaker 1: and fashion. Um, maybe not even directly back to me, 452 00:37:12,320 --> 00:37:16,160 Speaker 1: but someone that I have a relationship with or get this, 453 00:37:16,640 --> 00:37:21,080 Speaker 1: I may need that same favor of the person in 454 00:37:21,200 --> 00:37:24,640 Speaker 1: ten years of the person that asked me for the 455 00:37:24,719 --> 00:37:30,280 Speaker 1: favor ten years previous. So I like to bank my favors, 456 00:37:30,760 --> 00:37:34,560 Speaker 1: no pun intendon. That's good. That's good, man, That's really 457 00:37:34,640 --> 00:37:48,560 Speaker 1: really good. That was heavy right there. Season two of 458 00:37:48,640 --> 00:37:50,840 Speaker 1: the Black Tech Green Money Podcast is brought to you 459 00:37:51,000 --> 00:37:54,440 Speaker 1: by Lexus, who's been celebrating driveway moments for over thirty 460 00:37:54,520 --> 00:37:57,480 Speaker 1: years with a Lexus December to Remember sales event when 461 00:37:57,480 --> 00:38:00,560 Speaker 1: you can find exclusive offers on the most popular lex models. 462 00:38:01,040 --> 00:38:04,920 Speaker 1: Experience amazing at you, alexis dealing. What kind of benefit 463 00:38:05,040 --> 00:38:08,480 Speaker 1: did going digital all digital have for you in Greenwood? Like, 464 00:38:08,800 --> 00:38:11,600 Speaker 1: could you have achieved your mission of building wealth? You know, 465 00:38:11,719 --> 00:38:15,080 Speaker 1: money circulation in the black community and generational wealth transfer 466 00:38:15,520 --> 00:38:17,799 Speaker 1: with brick and mortar. And Here's what I'm getting out 467 00:38:17,840 --> 00:38:21,120 Speaker 1: before you answer it. What is different about the opportunity 468 00:38:21,280 --> 00:38:25,560 Speaker 1: and doing business today at scale versus a teen years 469 00:38:25,560 --> 00:38:29,960 Speaker 1: ago or fifteen years ago. Yeah, So brick and mortar no, um, 470 00:38:30,880 --> 00:38:37,080 Speaker 1: because my our message can resonate in California, it can 471 00:38:37,160 --> 00:38:41,239 Speaker 1: resonate in Chicago, it can resonate in Atlanta, it can 472 00:38:41,320 --> 00:38:44,719 Speaker 1: resonate in Savannah, it can resonate in d C. It 473 00:38:44,800 --> 00:38:48,120 Speaker 1: can resonate in Newark, it can resonate in Compton. It 474 00:38:48,200 --> 00:38:55,400 Speaker 1: can resonate um currently domestically, it's going to resonate internationally 475 00:38:56,000 --> 00:39:01,839 Speaker 1: as well. Um. We could not stand up um brick 476 00:39:01,920 --> 00:39:08,920 Speaker 1: and mortar banks fast enough right in order to I believe, 477 00:39:09,840 --> 00:39:12,759 Speaker 1: keep up with the demand of the service that we 478 00:39:12,880 --> 00:39:18,279 Speaker 1: are going to provide. Two, I believe that those brick 479 00:39:18,360 --> 00:39:26,719 Speaker 1: and mortar costs are not necessarily archaic in having to 480 00:39:26,840 --> 00:39:35,719 Speaker 1: do but don't serve the customer as well as a 481 00:39:35,880 --> 00:39:42,120 Speaker 1: digital offering will because at some point the customer pays 482 00:39:42,719 --> 00:39:48,000 Speaker 1: for that brick and mortar spind, it trickles down in 483 00:39:48,320 --> 00:39:55,239 Speaker 1: some way, shape or form. Okay, we nor any other 484 00:39:55,360 --> 00:40:01,640 Speaker 1: bank or charities, So we will make money, but we 485 00:40:01,880 --> 00:40:06,920 Speaker 1: hope to make our customers UH a lot more money 486 00:40:07,239 --> 00:40:10,800 Speaker 1: as well than they're currently making as well. So so 487 00:40:10,960 --> 00:40:16,000 Speaker 1: that's our philosophy on on brick and mortar. No, and finally, Ryan, Um, 488 00:40:16,400 --> 00:40:18,400 Speaker 1: I'm gonna take us back to the beginning because I 489 00:40:18,480 --> 00:40:20,520 Speaker 1: want to end on this, which I think is a 490 00:40:20,600 --> 00:40:24,160 Speaker 1: really powerful thing. So, Um, you graduated with a degree 491 00:40:24,320 --> 00:40:26,919 Speaker 1: in accounting and after a while I read the story said, 492 00:40:27,080 --> 00:40:29,960 Speaker 1: after a while of working in the field, Um, you 493 00:40:30,040 --> 00:40:32,000 Speaker 1: called to tell your mom that you hated working in 494 00:40:32,080 --> 00:40:34,640 Speaker 1: the county and she cursed you out for about thirty 495 00:40:34,640 --> 00:40:37,400 Speaker 1: straight minutes, and afterwards gave you your blessing to go 496 00:40:37,520 --> 00:40:40,320 Speaker 1: and do your thing in music. And so the chapters 497 00:40:40,400 --> 00:40:43,240 Speaker 1: of your career looks something like, you know, accounting the music, 498 00:40:43,360 --> 00:40:47,160 Speaker 1: to fashion with Ryan Kinney, to TV and now to banking. 499 00:40:47,920 --> 00:40:52,000 Speaker 1: For people who today might feel that some cost of 500 00:40:52,239 --> 00:40:55,000 Speaker 1: spending so much time pursuing something, or so much time 501 00:40:55,040 --> 00:40:59,239 Speaker 1: in an industry that may not feel them, Um, I 502 00:40:59,280 --> 00:41:02,560 Speaker 1: mean keeps them switching gears. What do you hope your 503 00:41:02,640 --> 00:41:10,759 Speaker 1: story inspires in them? Be brave, right, Um, Trust God 504 00:41:11,360 --> 00:41:19,480 Speaker 1: and be brave Um. And thirdly, Uh, you've got to 505 00:41:19,600 --> 00:41:28,560 Speaker 1: be more in line with your passion then the money 506 00:41:29,200 --> 00:41:35,280 Speaker 1: that you think you'll make. The harder you chase a dollar, 507 00:41:35,880 --> 00:41:41,480 Speaker 1: the faster that dollar will run away from you. You 508 00:41:41,600 --> 00:41:46,000 Speaker 1: follow your passion, you follow your heart, and you follow 509 00:41:46,040 --> 00:41:49,600 Speaker 1: your talent. All right, Listen, I want to play second 510 00:41:49,640 --> 00:41:53,600 Speaker 1: base for the Atlanta Braves right now, right at fifty, 511 00:41:53,840 --> 00:41:57,239 Speaker 1: I still think I can turn a mean double play. Um, 512 00:41:57,840 --> 00:42:01,799 Speaker 1: but I'm fifty and I can't turn a mean double 513 00:42:01,880 --> 00:42:06,319 Speaker 1: play like a guy a team right nineteen twenty that's 514 00:42:06,440 --> 00:42:10,600 Speaker 1: been right, that's in the maize, right. So I'm passionate 515 00:42:10,640 --> 00:42:14,439 Speaker 1: about baseball. I love the sport, but my talent isn't there. 516 00:42:14,840 --> 00:42:19,960 Speaker 1: So you gotta marry. You gotta marry being brave, with 517 00:42:20,320 --> 00:42:25,800 Speaker 1: with passion, with for me, faith in God, and talent 518 00:42:26,120 --> 00:42:29,320 Speaker 1: right and a lot of times when I say talent, 519 00:42:31,040 --> 00:42:36,360 Speaker 1: it may not be personal talent that you own, but 520 00:42:36,560 --> 00:42:43,680 Speaker 1: you have to be intelligent enough to partner with individuals 521 00:42:44,120 --> 00:42:48,520 Speaker 1: who have that talent that you need, that can work 522 00:42:48,680 --> 00:42:51,879 Speaker 1: with the talent that you have in order to make 523 00:42:52,600 --> 00:42:58,160 Speaker 1: your vision growth. So so that is that that would 524 00:42:58,200 --> 00:43:17,239 Speaker 1: be my three of for keys to success. Black Tech 525 00:43:17,280 --> 00:43:19,000 Speaker 1: Green Money is a production to Black of the Afro 526 00:43:19,200 --> 00:43:22,280 Speaker 1: Tech is produced by Morgan Dubon and me Well Lucas, 527 00:43:22,680 --> 00:43:25,440 Speaker 1: with additional production support by Love Beach and Ray Veneer 528 00:43:25,560 --> 00:43:28,759 Speaker 1: Bort Special thank you to Michael Davis is the cars 529 00:43:28,800 --> 00:43:31,040 Speaker 1: of Von Yarn you know, like the wine and yes 530 00:43:31,160 --> 00:43:33,920 Speaker 1: that's his real name. Learn more about my guests and 531 00:43:33,960 --> 00:43:36,640 Speaker 1: other tech disrupt does It innovators at afro tech dot com. 532 00:43:37,960 --> 00:43:40,319 Speaker 1: Don't get your money. He's in love.