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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

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Speaker 1: accused of murdering a Texas man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan. These are just

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Speaker 1: some of the heinous migrant criminals caught because of President

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Speaker 1: Donald J.

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Speaker 2: Trump's leadership.

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Speaker 1: I'm Christy nom the United States Secretary of Homeland Security.

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Speaker 1: Under President Trump, attempted illegal border crossings are at the

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Speaker 1: lowest levels ever recorded, and over one hundred thousand illegal

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Speaker 1: aliens have been arrested. If you are here illegally, your

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Speaker 1: next you will be fined nearly one thousand dollars a day, imprisoned,

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Speaker 1: and deported.

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Speaker 2: You will never return.

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Speaker 1: But if you register using our CBP home app and

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Speaker 1: leave now, you could be allowed to return legally. Do

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Speaker 1: what's right. Leave now. Under President Trump, America's laws, border

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Speaker 1: and families will be protected.

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Speaker 3: Sponsored by the United States Department of Homeland Security.

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Speaker 4: There are some things that will affect this generation and

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Speaker 4: our generation. Inflation, yes, student loan debt, mortgage treats, all

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Speaker 4: these things that these young adults here we sitting before

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Speaker 4: us now We'll have to face at what point, Since

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Speaker 4: TIAA is known for retirement, at what point should these

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Speaker 4: young adults start to think or get education around retirement

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Speaker 4: retirement planet.

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Speaker 5: Okay, I'm gonna give y'all a quiz. Is it today

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Speaker 5: or once I'm sixty five? I should think about retirement today?

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Speaker 2: Y'all are ready? Okay, let's pack this.

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Speaker 5: There's a word that I want you all to write down, memorize,

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Speaker 5: tele a friend, phone, or frame. It starts with the C.

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Speaker 5: Does anybody know the word compounding? A dollar a day

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Speaker 5: is worth more than a dollar what tomorrow? And so

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Speaker 5: when you think about where you all are going, let's

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Speaker 5: talk about your post graduation. The contacts and the backdrop

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Speaker 5: is correct inflation, globalization, geopolitical unrest, student loan debt. We

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Speaker 5: also know that African Americans have a disproportionate of debt

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Speaker 5: in terms of student loans.

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Speaker 2: And so when you.

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Speaker 5: Look at all of this, it can feel daubting.

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Speaker 2: But here are the steps.

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Speaker 5: Step one, especially when it comes to preparing when you

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Speaker 5: get your first job, y'all are going to y'all are

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Speaker 5: going to send me a note on the side because

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Speaker 5: you're going to do this and tell me about it.

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Speaker 5: Your very first job, they're going to give you your

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Speaker 5: job offer. Here's your money. The first thing that I

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Speaker 5: want you to do is to look at your benefit

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Speaker 5: package and to make sure you maximize your four to

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Speaker 5: one K or your four to three B why compounding,

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Speaker 5: but also many companies match it.

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Speaker 2: So unless you're okay.

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Speaker 5: Leaving the coins on the table because you're only going

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Speaker 5: to do three percent instead of the MAC, start the

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Speaker 5: max Why because tomorrow's check is way more than you

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Speaker 5: have today the minute you see the money you have allocated.

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Speaker 5: But if day one you say max me out, you're

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Speaker 5: going to do two things.

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Speaker 2: One, you're going to say.

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Speaker 5: You know what, because I want all of the benefits

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Speaker 5: that I'm entitled to. I don't want to leave any

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Speaker 5: of the coins on the table, So you're going to

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Speaker 5: get that because of the match. And Two, it's because

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Speaker 5: I understand that if I compound with this match and

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Speaker 5: then whatever I bring home is more than I've ever

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Speaker 5: had today, then as my income rise, I'm already preparing

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Speaker 5: for my retirement and I'm taking full advantage of the

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Speaker 5: benefit of the money that the company is matching. Don't

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Speaker 5: leave the money on the table unless you're comfortable and

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Speaker 5: you got it like that, that's fine. So first thing

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Speaker 5: you're going to do is what max it out. That's

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Speaker 5: where you get your full value. That is something that

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Speaker 5: I do want to emphasize. That's something that I did

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Speaker 5: when I first started. I was making two twenty six

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Speaker 5: thousand dollars a year, but that was twenty six thousand

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Speaker 5: dollars more than I may on Sunday when I graduated.

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Speaker 5: And to do that immediately, I didn't miss it because

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Speaker 5: all of my raises and everything was already working for me.

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Speaker 2: So that's the thing when.

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Speaker 5: You think about this vision of retirement. So many times

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Speaker 5: people say young people don't want to talk about retirement,

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Speaker 5: don't nobody think about it. I'm like, don't underestimate young people.

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Speaker 5: Young people care about the climate. Young people are thinking

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Speaker 5: about the future in a way that we never even understood.

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Speaker 5: So let's not put our bias on this generation. How

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Speaker 5: many of you all want to make sure that you

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Speaker 5: have generational wealth?

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Speaker 2: All of you. I'm gonna ask another question.

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Speaker 5: All right, we can do the clap, snap, raise man whatever.

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Speaker 5: I don't know what or earn your leusion like that do,

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Speaker 5: but whatever it is, it is a snap.

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Speaker 6: What we do.

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Speaker 2: It's a clap. Okay, it's a clap.

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Speaker 5: How many of you all understand what struggle looks like

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Speaker 5: when your parents are grandparents or auntie did the best

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Speaker 5: that they can right now and it's hard. Yeah, how

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Speaker 5: many of you don't want to transfer debt but you

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Speaker 5: want to transfer wealth?

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Speaker 2: So we should talk about retirement.

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Speaker 5: I want to shift how you dream. I want to

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Speaker 5: shift the dream from when I graduate.

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Speaker 2: I'm gonna get that.

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Speaker 5: Real nice car, big Time Series because I see, you

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Speaker 5: know we gonna leave it at that right.

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Speaker 6: You know, I see, Please, you know what I mean.

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Speaker 5: But you know I see how this is and how

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Speaker 5: that is. So I'm going to do that first. I

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Speaker 5: want to shift your mindset. And remember what you just

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Speaker 5: told me. You said you want to build wealth. You

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Speaker 5: said that you want to lighten the burden on your

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Speaker 5: family in a way that maybe your parents couldn't lighten

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Speaker 5: the burden on themselves. A brand new car, which is

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Speaker 5: a depreciating asset day one of graduation does not align with.

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Speaker 2: What you just said. So make it make sense.

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Speaker 5: If you say that you want to make sure that

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Speaker 5: you can have a better future, or take care mom,

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Speaker 5: flexing on that very expensive rented apartment that you show

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Speaker 5: everybody the amenities that is not in your name is

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Speaker 5: not the flex.

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Speaker 2: Not the flex.

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Speaker 5: So if and you see him, be like oh no,

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Speaker 5: oh no, already shifting dreams and goals already. My point

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Speaker 5: is on this post graduation, remember what you said you

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Speaker 5: want it, and do a regression to your decisions the

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Speaker 5: minute you graduate. Make sure you have your game plan

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Speaker 5: in place. Make sure that you're saying I want to

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Speaker 5: get educated on stocks and bonds and alternatives. I want

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Speaker 5: to make sure I maximize my retirement. Make sure you

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Speaker 5: understand tax strategies.

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Speaker 2: Please write that down. Make sure you understand.

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Speaker 6: This episode is brought to you by P and C Bank.

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Speaker 6: your vision forward.

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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

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Speaker 1: accused of murdering a Texas. Man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan. These are just

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Speaker 1: some of the heinous migrant criminals caught because of President

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Speaker 1: Donald J.

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Speaker 2: Trump's leadership.

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Speaker 1: I'm Christy Noman, the United States Secretary of Homeland Security.

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Speaker 1: Under President Trump, attempted illegal border crossings are at the

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Speaker 1: lowest levels ever recorded, and over one hundred thousand illegal

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Speaker 1: aliens have been arrested. If you are here illegally, your

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Speaker 1: next you will be fined nearly one thousand dollars a day, imprisoned,

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Speaker 1: and deported.

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Speaker 2: You will never return.

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Speaker 1: But if you register using our CBP home app and

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Speaker 1: leave now, you could be allowed to return legally. Do

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Speaker 1: what's right.

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Speaker 2: Leave now.

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Speaker 1: Under President Trump, America's laws, border and families will be protected.

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Speaker 3: Sponsored by the United States Department of Homeland Security.

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Speaker 5: How a retirement vehicle like an IRA has taxed advantages

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Speaker 5: for you?

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Speaker 2: Please write that down. My point is.

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Speaker 5: Have a plan on how you're going to attack the

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Speaker 5: decision that you made around student debt.

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Speaker 2: You invested in yourself. I don't think that's a negative.

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Speaker 5: You invested in yourself and you made it work the

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Speaker 5: best way you knew how. Shift your mindset and say, therefore,

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Speaker 5: I have to have a budget to take care of

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Speaker 5: that debt.

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Speaker 2: And attack it.

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Speaker 5: My point is having a vision of the life that

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Speaker 5: you deserve, a life that maybe you couldn't even imagine.

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Speaker 5: Start with the decisions you make in your early twenties.

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Speaker 5: It starts with the mindset that you're honing as a

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Speaker 5: college students. Because if you graduate and have it matured

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Speaker 5: your mindset, it's not what you make, it's what you keep,

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Speaker 5: and it's what.

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Speaker 2: You compound, you're not going to be ready.

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Speaker 5: And so my advice to all of you, the student

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Speaker 5: loan debt was your investment in self.

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Speaker 2: Embrace it.

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Speaker 5: You already did it, figure out your game.

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Speaker 2: Plan, allocate for that.

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Speaker 5: Don't start your first check with a depreciating asset. Start

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Speaker 5: with all the tips you're hearing from these two fine gentlemen,

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Speaker 5: and make sure you think about investing and saving. Make

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Speaker 5: sure you have that Randy Day fund because how many

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Speaker 5: of you all know you can't call mom to help

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Speaker 5: pay for these things, so you have to plan for that.

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Speaker 2: And then with retirement.

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Speaker 5: Let me give you the stat which is why it's

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Speaker 5: important for today to have the conversation. Forty percent of

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Speaker 5: all Americans, all Americans do not have enough for a

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Speaker 5: secure retirement. For African Americans, it's much more pronounced. Women

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Speaker 5: retire with thirty percent less. And so that's why I say,

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Speaker 5: do you want to transfer wealth or debt? Make it

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Speaker 5: make sense if you don't make the decisions today, You're

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Speaker 5: basically saying, if I have a family, they'll take care

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Speaker 5: of me and figure it out because I'm not gonna

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Speaker 5: worry about it, and I'll give them the debt. I'm

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Speaker 5: saying to you all, we don't want that. We don't

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Speaker 5: want to transfer debt to our children. We want to

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Speaker 5: transfer wealth, and that's making sure that they don't have

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Speaker 5: to worry. Because you can say, I'm good, I have

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Speaker 5: enough to take care of all of my hopes and dreams,

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Speaker 5: and I even have enough to transfer to you because

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Speaker 5: I've made decisions at twenty two, because I had vision

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Speaker 5: in mind. I thought about my future self and I

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Speaker 5: actually thought about my reality, and I looked in my community.

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Speaker 2: And I said, I can be better.

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Speaker 5: True story, y'all know I talked about Otis Brown, right,

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Speaker 5: my hero. My dad worked for over forty plus years

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Speaker 5: doing his best, even when his best was not sufficient financially.

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Speaker 5: When I graduated from college, we happened to have a

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Speaker 5: conversation and he showed me his retirement package.

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Speaker 2: When the daughter has to look at a.

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Speaker 5: Father who's full of pride and say, Dad, this is

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Speaker 5: not enough, you're basically saying I'll have to take care

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Speaker 5: of you. Otis Brown had a pension, but he never

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Speaker 5: contributed one dollar to his four oh one k plan,

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Speaker 5: and it was a very generous plan.

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Speaker 2: With a lot of match not one dollar.

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Speaker 5: And for the daughter to tell a father who did

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Speaker 5: his best, that hurt. And it also angered me because

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Speaker 5: I said, why didn't someone in power think about the

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Speaker 5: man scanning boxes and making sure that it wasn't just

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Speaker 5: a flyer.

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Speaker 2: But to go to an Otis Brown.

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Speaker 5: And say, I know that you are doing the best

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Speaker 5: for your children.

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Speaker 2: Here is something you need to do.

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Speaker 5: And when people tell me people don't have people Robin

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Speaker 5: Peter Paypa, they're trying to make it work.

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Speaker 2: I don't buy into that because Otis Brown. After his daughter.

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Speaker 5: Told him, he immediately maxed out, immediately tried to do

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Speaker 5: the catchup.

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Speaker 2: I don't know how he made it.

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Speaker 5: Remember, I was making twenty six thousand dollars. He didn't

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Speaker 5: know he was going to have a CEO daughter. But

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Speaker 5: he took the information and he immediately act upon it.

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Speaker 5: I don't know how they made it work. But what

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Speaker 5: Otis Brown did not want is to have information and

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Speaker 5: not take advantage of it when it was not going

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Speaker 5: to be helpful to his daughter and his sons. And

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Speaker 5: so let's not have this narrative that you don't bring

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Speaker 5: information to people because they may be at this level

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Speaker 5: of the economy, don't count their coins because they know

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Speaker 5: how to make a dollar out of fifteen cents because

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Speaker 5: they've been doing that.

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Speaker 2: And so why not make sure that we're bringing this

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Speaker 2: information to.

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Speaker 5: The Otis Browns and so as a CEO, I think

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Speaker 5: about an Otis Brown every day and say, am I

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Speaker 5: bringing this information to people that are like my father

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Speaker 5: making it the best way they can and don't think

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Speaker 5: they can do it. But no one connected the dots

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Speaker 5: on what the impact of that lack of decision will mean,

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Speaker 5: and so I hope I'm making sense to all of

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Speaker 5: you because this is real talk. I'm not telling you

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Speaker 5: what I think. I'm not telling you what I lead.

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Speaker 5: I'm telling you what I have lived, and I'm telling

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Speaker 5: you you all have an opportunity to secure the bag

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Speaker 5: today and compound the bag tomorrow if you make the

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Speaker 5: right decisions and you shift your mindset on what am

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Speaker 5: I going to do to align with my true dreams

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Speaker 5: and I fundamentally lead young people do want to talk

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Speaker 5: about long term planning. We just have to do it

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Speaker 5: in a way that's relatable and in a way that

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Speaker 5: they can connect.

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Speaker 2: Am I relating? Okay?

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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

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Speaker 1: accused of murdering a Texas man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan. These are just

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Speaker 1: some of the heinous migrant criminals caught because of President

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Speaker 1: Donald J.

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Speaker 2: Trump's leadership.

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Speaker 1: I'm Christy Noman, the United States Secretary of Homeland Security.

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Speaker 1: Under President Trump, Attempted illegal border crossings are at the

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Speaker 1: lowest levels ever recorded, and over one hundred thousand illegal

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Speaker 1: aliens have been arrested. If you are here illegally, your

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Speaker 1: next you will be fine nearly one thousand dollars a day, imprisoned,

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Speaker 1: and deported, you will never return. But if you register

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Speaker 1: using our CBP home app and leave now, you could

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Speaker 1: be allowed to return legally. Do what's right.

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Speaker 2: Leave now.

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Speaker 1: Under President Trump America's laws, border and families will be protected.

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Speaker 3: Sponsored by the United States Department of Homeland Security,