WEBVTT - EYL #86 Watch The Throne feat. Derrick Grace Two 0:00:00.040 --> 0:00:03.600 An illegal alien from Guatemala charged with raping a child 0:00:03.680 --> 0:00:07.480 in Massachusetts. An MS thirteen gang member from Al Salvador 0:00:07.720 --> 0:00:11.840 accused of murdering a Texas man of Venezuelan charged with 0:00:11.920 --> 0:00:15.840 filming and selling child pornography in Michigan. These are just 0:00:15.920 --> 0:00:19.680 some of the heinous migrant criminals caught because of President 0:00:19.720 --> 0:00:23.320 Donald J. Trump's leadership. I'm Christy nom the United States 0:00:23.320 --> 0:00:28.120 Secretary of Homeland Security. Under President Trump, attempted illegal border 0:00:28.160 --> 0:00:31.680 crossings are at the lowest levels ever recorded, and over 0:00:31.760 --> 0:00:34.960 one hundred thousand illegal aliens have been arrested. If you 0:00:35.040 --> 0:00:38.920 are here illegally your next you will be fined nearly 0:00:39.000 --> 0:00:43.000 one thousand dollars a day, imprisoned, and deported. You will 0:00:43.040 --> 0:00:46.680 never return. But if you register using our CBP home 0:00:46.720 --> 0:00:50.120 app and leave now, you could be allowed to return legally. 0:00:50.479 --> 0:00:55.240 Do what's right. Leave now. Under President Trump, America's laws, 0:00:55.400 --> 0:00:57.840 border and families will be protected. 0:00:57.920 --> 0:01:00.000 Sponsored by the United States Department of Homeland Security. 0:01:00.440 --> 0:01:03.480 All right, ladies and gentlemen, welcome back. Earn your Lisia. 0:01:04.160 --> 0:01:08.119 Another legendary episode. I just got a feeling virtual edition. 0:01:08.319 --> 0:01:10.360 So that's what they've been waiting for, right, Yeah, you know, 0:01:10.400 --> 0:01:13.319 we get a lot of requests to facilitate interviews from people. 0:01:13.400 --> 0:01:17.399 From the first it was Caesar and dj Envy shout 0:01:17.400 --> 0:01:18.960 out to them. They're like, yo, can y'all get them on. 0:01:19.200 --> 0:01:20.000 We made that happen. 0:01:20.120 --> 0:01:22.280 Then the guy in real life. 0:01:21.920 --> 0:01:24.480 Jay Morrison. Everybody kept asking for j Morrison, so we 0:01:24.520 --> 0:01:28.679 got him on. Shout to Jay, Dani Chanelle, Prince Darnell. 0:01:28.760 --> 0:01:31.320 People kept asking for them. We got them on the 0:01:32.040 --> 0:01:38.200 faults I know the fault. So a family, big business 0:01:38.200 --> 0:01:40.320 people ask for him a lot, definitely. But the one 0:01:40.360 --> 0:01:43.160 person that he wasn't able to track down the gentleman 0:01:43.680 --> 0:01:44.679 Derek Grace too. 0:01:45.280 --> 0:01:47.880 T w O the number and. 0:01:47.880 --> 0:01:50.640 People people was asking for him for a lot up 0:01:50.720 --> 0:01:52.640 until last week. I'm like, y'all try to make it happen. 0:01:52.640 --> 0:01:53.280 We'll see what we can do. 0:01:53.320 --> 0:01:54.840 I have a DM I'm gonna send it to you. 0:01:54.880 --> 0:01:56.560 They was like, yo, yo, if you're really just get 0:01:56.600 --> 0:01:57.080 Derek Grace. 0:01:57.120 --> 0:01:57.240 Bro. 0:01:57.440 --> 0:01:59.600 I'm like, yo, soon, come, bro, soon come. 0:02:00.240 --> 0:02:02.520 So so we were able to make it happen. So 0:02:02.560 --> 0:02:04.320 I'll give a quick background if you're not familiar with 0:02:04.360 --> 0:02:06.920 Derrek Grace. He has a huge, huge community that he's 0:02:06.960 --> 0:02:09.160 built online. I think like over five hundred and ninety 0:02:09.200 --> 0:02:13.840 thousand Instagram followers. He's a best selling author. He's a 0:02:13.840 --> 0:02:16.560 board game inventor. I just found out recently he's coming 0:02:16.600 --> 0:02:17.560 out with a video game. 0:02:17.880 --> 0:02:18.120 Yep. 0:02:18.880 --> 0:02:23.320 He's homeschooler, uh for his children, way before distance learning 0:02:23.400 --> 0:02:28.080 was around. Serial entrepreneur, just real big on investing real estate. 0:02:28.080 --> 0:02:32.240 He has interesting philosophies on we'll talk about as far 0:02:32.280 --> 0:02:37.480 as like the traditional financial structure. So yeah, just a 0:02:37.480 --> 0:02:40.560 really dynamic guy and young two thirty thirty years old. 0:02:40.680 --> 0:02:46.680 Yeah, man, I'll beg Yeah, yeah for sure. 0:02:47.600 --> 0:02:50.040 Oh yeah, I think my song was at his party 0:02:50.080 --> 0:02:52.000 in Wallow Right, Wallow. 0:02:51.960 --> 0:02:54.799 My song Wallow Banner was there, Keys was there. And 0:02:54.840 --> 0:02:56.280 we have booked Nip too. You know. 0:02:57.880 --> 0:03:01.080 I saw that story booked marlater we lost the great one. 0:03:01.160 --> 0:03:04.679 Yeah, my son and Wallow also ey yeah, fact, shout 0:03:04.720 --> 0:03:06.280 out to them. Shout out to both for them. So 0:03:06.320 --> 0:03:10.000 but out without further ado, Derek, thank you for joining us. 0:03:10.040 --> 0:03:10.200 Bro. 0:03:10.240 --> 0:03:13.040 I appreciate it, Bro, I appreciate y'all having me. 0:03:13.080 --> 0:03:13.200 Bro. 0:03:14.040 --> 0:03:15.760 This is a long time coming. You know, we're supposed 0:03:15.760 --> 0:03:18.639 to link like eight months ago. But Bro, I'm glad 0:03:18.639 --> 0:03:20.280 to be here, even though it's virtual. I'm glad to 0:03:20.280 --> 0:03:20.520 be here. 0:03:20.760 --> 0:03:23.800 Yeah, for sure, for sure. So let's get right into it. 0:03:24.919 --> 0:03:27.959 So you have, like I said, you have an interesting 0:03:27.960 --> 0:03:30.359 philosophy on financial literacy just looking at your videos and 0:03:30.400 --> 0:03:32.280 stuff like that. But I want to dig back a 0:03:32.280 --> 0:03:35.760 little deeper, like how did you even get into business? 0:03:35.800 --> 0:03:39.040 Like how do you go from growing up in Tampa 0:03:39.080 --> 0:03:40.960 and shout out to Tampa too, because I used to 0:03:41.040 --> 0:03:41.520 live out there. 0:03:41.520 --> 0:03:43.840 I used to live with the rating tim Florida. Yeah, 0:03:43.840 --> 0:03:44.320 shout out to it. 0:03:44.880 --> 0:03:49.040 Yeah, So how did you get into, you know, the 0:03:49.120 --> 0:03:52.120 mindset that you are now being an entrepreneur, being a 0:03:52.160 --> 0:03:54.440 serial entrepreneur, Like was that something that was taught in 0:03:54.440 --> 0:03:56.520 your household or like how did that come about? 0:03:57.160 --> 0:03:57.640 Being honest? 0:03:58.400 --> 0:04:01.880 Absolutely not the penance was taught on my household because 0:04:01.880 --> 0:04:04.640 my pops was I mean, my mom's too broro. 0:04:04.880 --> 0:04:05.960 I'm gonna say like in. 0:04:05.960 --> 0:04:09.840 Terms of balance, my pops he was big on us 0:04:09.880 --> 0:04:12.040 being able to have our own so I would say, bro, 0:04:12.720 --> 0:04:14.560 he did give us a lot of the independent spirit, 0:04:14.640 --> 0:04:17.000 but he didn't really use the word independence and he never. 0:04:16.839 --> 0:04:18.200 Really taught entrepreneurship. 0:04:18.440 --> 0:04:20.080 He taught us like the blue collarway you feel me, 0:04:20.080 --> 0:04:22.480 you're gonna get your you know, get get a minimum education. 0:04:22.560 --> 0:04:24.200 He wasn't big on like, oh, you must go to college, 0:04:24.200 --> 0:04:26.159 but it was like, you know, get your job, work 0:04:26.200 --> 0:04:28.880 your way up, get your bread, invest in things x. 0:04:28.960 --> 0:04:31.640 Y Z and Bro. 0:04:31.720 --> 0:04:33.800 To be honest, I think like one of the best 0:04:33.839 --> 0:04:35.440 things my pops ever did for me was that he 0:04:35.560 --> 0:04:38.680 spoiled me. But around twelve, Bro, he had to sit 0:04:38.720 --> 0:04:40.680 down conversation with me and my older brother and he 0:04:40.720 --> 0:04:42.560 was like, hey, y'all becoming man and at this point, 0:04:42.640 --> 0:04:45.480 y'all need to start figuring out stuff on your own. So, Bro, 0:04:45.560 --> 0:04:46.960 what it did for me is it kind of like 0:04:47.480 --> 0:04:50.119 it gave me a sense of entitlement. But he also 0:04:50.240 --> 0:04:53.600 taught me the importance of doing for self. So I did, 0:04:53.720 --> 0:04:55.839 like from twelve and beyond, I did like like a 0:04:55.839 --> 0:04:57.920 lot of y'all was like, damn, the world owe me something, 0:04:58.320 --> 0:05:00.400 but he taught me to the importance of heart work. 0:05:00.520 --> 0:05:02.280 So it also instilled in me the world don't owe 0:05:02.320 --> 0:05:03.760 you nothing that you don't work for it. 0:05:04.279 --> 0:05:06.720 So Bro's that's what really like. And ain't gonna lie, brother. 0:05:06.680 --> 0:05:09.320 I always hated authority. I didn't have amazing grades in school. 0:05:09.560 --> 0:05:11.279 I like I was a kid that used to just 0:05:11.360 --> 0:05:13.000 like to be late, just to buck the teacher so 0:05:13.040 --> 0:05:14.680 she could have something. 0:05:14.760 --> 0:05:16.960 So structure never was my thing. 0:05:17.000 --> 0:05:20.440 Bro. I was definitely a troublesome child. Like I think, Bro, 0:05:20.480 --> 0:05:22.080 you know what, the only time I got honor roll 0:05:22.560 --> 0:05:25.360 my whole school career was my twelfth grade year, my 0:05:25.440 --> 0:05:28.160 last report card, and that's because I couldn't pass algebra two, 0:05:28.240 --> 0:05:30.640 so they put me in remedial math and then I finally, like, 0:05:31.320 --> 0:05:33.360 I almost got honor roll. But Bro, for the most part, 0:05:33.560 --> 0:05:36.120 I always been rebellious and I always wanted to do 0:05:36.240 --> 0:05:38.800 things my way. So when I did have my taste 0:05:38.839 --> 0:05:40.920 of corporate America and I saw how they handle things 0:05:40.920 --> 0:05:43.400 in terms of nepotism, chain and command, and just how 0:05:43.760 --> 0:05:45.480 a lot of times we are like the small people 0:05:45.520 --> 0:05:47.240 on the totem pole, I told myself then. 0:05:47.120 --> 0:05:48.760 I was never going to work for nobody else. 0:05:49.080 --> 0:05:51.920 And in twenty twelve, I tattooed my face and I 0:05:52.000 --> 0:05:53.799 just never looked back after that. Bro, I've been running 0:05:53.800 --> 0:05:54.919 as an entrepreneur ever since. 0:05:55.480 --> 0:05:58.480 Yeah, I heard the story about the tattoos. I was like, Yo, 0:05:58.520 --> 0:06:01.880 that's pretty interesting. Stance was like, Yo, I never want 0:06:01.880 --> 0:06:03.760 corporate America. I know they ain't gonna want me if 0:06:03.760 --> 0:06:06.320 I do this. So you started with one? How do 0:06:06.440 --> 0:06:07.080 we go from there? 0:06:07.839 --> 0:06:08.160 All right? 0:06:08.160 --> 0:06:08.320 Bro? 0:06:08.400 --> 0:06:10.360 So I tell you all time, like to me, I 0:06:10.400 --> 0:06:12.400 have what what's called an investive spirit. 0:06:12.839 --> 0:06:13.880 This is something I made up. 0:06:16.360 --> 0:06:18.080 But Bro, if I like something, I'm gonna do it 0:06:18.120 --> 0:06:19.640 a lot. So that's the how of person I am. 0:06:19.720 --> 0:06:21.320 ROAs. So I got the first one. It looked like 0:06:21.360 --> 0:06:21.520 an a. 0:06:21.760 --> 0:06:23.160 It's some one I can't even wann starte this someone, 0:06:23.160 --> 0:06:26.000 but it's an ancient similar strength. And that was my mindset. 0:06:26.000 --> 0:06:28.360 I was like, cool, corporate, the corporate world link gonna 0:06:28.360 --> 0:06:30.120 want me, I ain't gonna want them, and Bro, I 0:06:30.160 --> 0:06:30.720 ain't gonna lie. 0:06:30.760 --> 0:06:32.280 I deal procrastination really bad. 0:06:32.440 --> 0:06:34.039 So that was kind of one of those things that 0:06:34.080 --> 0:06:35.720 put my back against the wall because I feel like 0:06:35.760 --> 0:06:40.400 I performed better under pressure. So following that, Bro, I 0:06:40.440 --> 0:06:42.680 literally got like eight within like the next two weeks, 0:06:42.680 --> 0:06:44.720 and I just was like, yes the rap, bro, like 0:06:44.920 --> 0:06:46.320 you look crazy nobody. 0:06:48.680 --> 0:06:49.520 And it right't gonna lie. 0:06:49.600 --> 0:06:51.160 But it forced me to perform at a high level 0:06:51.200 --> 0:06:53.480 because at that point, you gotta make it because nobody's 0:06:53.480 --> 0:06:54.520 gonna give you, you know, No. 0:06:54.600 --> 0:06:56.800 Fifteen to twenty dollars. Job. Looking how I look these 0:06:56.880 --> 0:06:59.320 days with forty two faser tattoos, you're. 0:06:59.120 --> 0:07:00.760 Not gonna be part of the well the committee. 0:07:04.240 --> 0:07:05.440 So that was intentional. 0:07:05.520 --> 0:07:07.640 That was an intentional player on your part to really 0:07:07.680 --> 0:07:10.400 force yourself like you like burnt the ships pretty much 0:07:10.400 --> 0:07:12.080 like there's no turning back at this point. 0:07:12.440 --> 0:07:14.320 Absolutely, absolutely, that's dope. 0:07:14.360 --> 0:07:15.440 So procrastination. 0:07:15.720 --> 0:07:19.720 And I am guilty of this as well, admittedly when 0:07:19.720 --> 0:07:22.880 as it worked to your detriment, you know, because you said, like, yeah, 0:07:22.920 --> 0:07:24.560 I like my back against the wall, but sometimes we 0:07:24.600 --> 0:07:26.880 put our back against the wall and we don't make 0:07:26.920 --> 0:07:28.640 it off the wall. So when is it not worthing 0:07:28.640 --> 0:07:29.560 your benefits? 0:07:30.240 --> 0:07:30.440 Bro? 0:07:30.640 --> 0:07:33.920 I learned a hard lesson in that last year. So 0:07:34.720 --> 0:07:37.840 all right, bro, Like my hierarchy of success has always 0:07:37.840 --> 0:07:40.120 been my father, Right, So my pop's live in a 0:07:40.160 --> 0:07:42.880 really nice neighborhood, real big house, and it's only it's 0:07:42.880 --> 0:07:45.440 a private community, only a gated community, only like twenty 0:07:45.480 --> 0:07:48.360 twenty five homes in their total. It was one lot left, 0:07:48.360 --> 0:07:50.200 and I went and bought that lot for like sixty 0:07:50.200 --> 0:07:55.080 grand January eight two thy and eighteen. My project manager, right, 0:07:55.080 --> 0:07:56.880 he kept telling me, he was like, bro, you need 0:07:56.920 --> 0:07:59.720 to give other people access to your account, because Bro, 0:07:59.800 --> 0:08:02.360 I I've had a lot of issues with banks in 0:08:02.360 --> 0:08:04.640 the past due to what I teach and I understand 0:08:04.640 --> 0:08:07.320 like you are here trying to teach a collective of 0:08:07.320 --> 0:08:09.480 people how to end home bank, but your money still 0:08:09.480 --> 0:08:12.280 come through us from Shopify. So like, I've had people 0:08:12.280 --> 0:08:14.239 in banks that really put me to the sobegn point. 0:08:14.160 --> 0:08:16.240 Like do you not like us or do you have 0:08:16.280 --> 0:08:16.640 an issue? 0:08:16.680 --> 0:08:19.280 And I'm like, Nah, it's nothing personal with y'all whatsoever, 0:08:19.320 --> 0:08:22.840 It's just the structure that y'all work for. I see 0:08:22.880 --> 0:08:24.880 a lot of disadvantages in terms of when it come 0:08:24.920 --> 0:08:27.640 to my people, like y'all thriving, but y'all thriving off 0:08:27.640 --> 0:08:29.880 the backs of my people. Like I've explained it to 0:08:29.920 --> 0:08:32.480 him in a nice way, you know, a gang of times. 0:08:32.480 --> 0:08:36.160 But anyway, Bro, he kept telling me, attach somebody else 0:08:36.200 --> 0:08:38.160 to your account so you don't have to visit banks 0:08:38.200 --> 0:08:40.640 in person, and I kept blowing them off, procrastinating. 0:08:41.360 --> 0:08:44.400 So I mean my board games, bro, they come from China. 0:08:44.640 --> 0:08:45.559 So last. 0:08:46.880 --> 0:08:50.600 Mid twenty nineteen, right, I got another order ten thousand 0:08:50.640 --> 0:08:53.000 and to come from China, and I get ready to 0:08:53.080 --> 0:08:55.120 just do the wire like I always doing a young 0:08:55.160 --> 0:08:57.840 lady that work in the bank. She's like, hey, I'm 0:08:57.840 --> 0:08:59.640 sorry to tell you this, but they got a termination 0:08:59.679 --> 0:09:01.960 set up for your account. You got fourteen days and 0:09:02.000 --> 0:09:03.440 you can't spend no money in there. And then when 0:09:03.480 --> 0:09:05.320 a fourteenth day hit, they gonna cut you, cut you 0:09:05.360 --> 0:09:07.880 a cashier check and sing you on your way. I'm like, 0:09:07.920 --> 0:09:10.520 what happened? So bro, they pull out of Stars Report 0:09:10.559 --> 0:09:11.959 and all, and she was like, you went to a 0:09:12.000 --> 0:09:14.200 fifth third in Atlanta, and the lady in Atlanta said 0:09:14.320 --> 0:09:17.000 your transaction seemed suspicious. You had a lot of jurey on, 0:09:17.160 --> 0:09:20.040 you had a lot of tattoos. And I'm like, well, damn, Hi, 0:09:20.400 --> 0:09:23.040 Like that's ground to terminate ac count. But she was 0:09:23.120 --> 0:09:25.280 like it's it's you know they could do it. It's 0:09:25.320 --> 0:09:28.160 their system. So anyway, broke the fast forward. Remember I 0:09:28.200 --> 0:09:30.160 had this lot and I was gonna build my dream home. 0:09:30.200 --> 0:09:32.160 I was building like a it was an eight five 0:09:32.200 --> 0:09:33.640 because like, I got a lot of children, bro, so 0:09:33.679 --> 0:09:35.360 I always wanted a huge house. I was gonna build 0:09:35.360 --> 0:09:37.600 a eight five, like four thousand square feet and I 0:09:37.640 --> 0:09:40.400 was gonna be next door to my pop. So I 0:09:40.440 --> 0:09:42.319 already in my mind when I get the lot I'm like, yeah, 0:09:42.400 --> 0:09:44.320 the mate, I got my bread, I'm finna live next 0:09:44.320 --> 0:09:46.320 to my hero my posts like I'm doing my thing. 0:09:46.880 --> 0:09:48.959 And Bro, when they froze that money, the only money 0:09:48.960 --> 0:09:51.120 that I could gather up because they I owed China 0:09:51.160 --> 0:09:54.320 fifty grand was to go back and sell that lot 0:09:54.440 --> 0:09:55.760 back to the people I bought it from. 0:09:55.840 --> 0:09:57.160 So I ended up losing that lot. 0:09:57.200 --> 0:09:58.920 I got my games because I used the money from 0:09:58.920 --> 0:10:01.080 the lot, but br, I ended up losing that lot. 0:10:01.200 --> 0:10:03.160 And that's when I started. And I'm like, if I 0:10:03.160 --> 0:10:05.160 had to just listen to him the first thirty times, 0:10:05.160 --> 0:10:07.680 he said, attach somebody else to your account, so you 0:10:07.679 --> 0:10:10.400 ain't even got to personally deal with those people, nobody 0:10:10.440 --> 0:10:12.679 would have ever known anything. And like one visit to 0:10:12.720 --> 0:10:15.880 go get ten grand in Atlanta cost me that. I mean, 0:10:15.960 --> 0:10:17.640 I got my board games, but it cost me that 0:10:17.760 --> 0:10:19.760 dream home and I would have been neighbors with my pop. 0:10:19.880 --> 0:10:22.880 So yeah, Bro, procrastination definitely do have your time where 0:10:22.920 --> 0:10:24.400 it choked me out and I'd be like, damn, why 0:10:24.400 --> 0:10:26.520 ain't listen? Why I keep I'm thirty and I still 0:10:26.960 --> 0:10:28.760 and like, Bro, I can identify my issue, and I 0:10:28.800 --> 0:10:29.920 still a fall victim to it. 0:10:30.040 --> 0:10:33.240 Some time you know, it's learning. It's learning. So let's 0:10:33.240 --> 0:10:34.840 talk about in home bank. We're gonna talk about the 0:10:34.840 --> 0:10:35.199 board game. 0:10:35.240 --> 0:10:36.800 But before we were talk about the board game, I 0:10:36.840 --> 0:10:39.760 want to just talk about your philosophy on in home 0:10:39.840 --> 0:10:41.840 banking because you know, like I said, I just some 0:10:41.920 --> 0:10:44.520 research and I know I want you to explain it 0:10:44.520 --> 0:10:47.120 better than I can, but it's it's kind of like 0:10:47.960 --> 0:10:51.120 you're doing everything yourself as opposed to getting a job, 0:10:51.160 --> 0:10:53.480 getting a four to one K, getting insurance from the job, 0:10:53.559 --> 0:10:56.240 getting the loan from the bank. So yeah, can you 0:10:56.240 --> 0:10:58.280 talk about that as far as like the philosophy behind. 0:10:58.080 --> 0:10:59.440 That, Yeah, yeah, bro so. 0:10:59.760 --> 0:11:02.559 But in the nutshell, in home banking is us basically 0:11:02.679 --> 0:11:06.440 assessing the systems, all the monetary systems, from insurance to 0:11:06.520 --> 0:11:09.800 loan systems to banking, and figuring out how we can 0:11:10.240 --> 0:11:13.880 replace those positions with our own people and then still 0:11:13.920 --> 0:11:17.559 maintain integrity because I do feel like banks and insurance 0:11:17.559 --> 0:11:19.400 there it's a give and take system, but more times 0:11:19.440 --> 0:11:21.360 than not, our people are not the benefactor of the 0:11:21.360 --> 0:11:21.920 business deal. 0:11:22.520 --> 0:11:24.720 We get a couple of crumbs. Like I say this 0:11:24.760 --> 0:11:25.240 all the time. 0:11:25.480 --> 0:11:28.800 They families have generational wealth, grandchildren college paid for, and 0:11:28.880 --> 0:11:30.839 we be up current generation trying to figure out how. 0:11:30.760 --> 0:11:32.319 To get school uniforms come August. 0:11:32.760 --> 0:11:35.880 So with in home banking, I really wanted to create 0:11:35.880 --> 0:11:38.600 a structure where like we literally would use their blueprint, 0:11:38.760 --> 0:11:42.040 but we won't screw one another over on the back end. 0:11:42.040 --> 0:11:44.800 A lot of times how they do so, like I mean, bro, 0:11:45.080 --> 0:11:48.360 I've had investment groups in the past where the investees 0:11:48.360 --> 0:11:51.400 would get anywhere from five to thirty percent on an 0:11:51.520 --> 0:11:54.440 an ROI on a monthly return. Because I really wanted 0:11:54.480 --> 0:11:56.200 to show people that, Like that's why like to cover 0:11:56.480 --> 0:11:58.120 or the board game says, we don't need them, they 0:11:58.160 --> 0:11:58.559 need us. 0:11:58.920 --> 0:12:00.720 But a lot of our people deal with distrust. 0:12:00.720 --> 0:12:02.560 They're dealing with a strong level of self hate, so 0:12:02.559 --> 0:12:04.520 they don't even see the importance of investing in one 0:12:04.520 --> 0:12:07.360 another and that we literally can create our own powerhouses 0:12:07.440 --> 0:12:11.360 under roof. For instance, Dereka coming out with the Action 0:12:11.440 --> 0:12:14.319 figure this year and I have to front her two 0:12:14.440 --> 0:12:17.760 hundred and twenty five grand for tryinga to start manufacturing it, 0:12:18.320 --> 0:12:20.680 rather than my daughter have to wait till she just 0:12:20.720 --> 0:12:22.720 turned nine on Monday, rather than her have to wait 0:12:23.440 --> 0:12:25.760 until twenty eight to go beg the loan, I mean 0:12:25.800 --> 0:12:27.520 beg the bank for a loan to get in some 0:12:27.600 --> 0:12:30.200 upside down debt and then pay them back. I'd rather 0:12:30.240 --> 0:12:33.120 her daddy front her the money she paid her daddy 0:12:33.120 --> 0:12:35.280 back and owe her daddy interests. So at that point, 0:12:35.320 --> 0:12:38.720 I'm stimulating her economy and she's reciprocating and stimulating. 0:12:38.760 --> 0:12:39.040 Mind. 0:12:39.600 --> 0:12:41.719 The whole point is we're keeping that money at one 0:12:41.760 --> 0:12:44.640 table and we're still progressing forward because everybody eating off 0:12:44.640 --> 0:12:47.440 one another. So Bro, like to be real in home 0:12:47.480 --> 0:12:51.160 banking is just like banking, but I'm not going to 0:12:51.679 --> 0:12:54.280 I'm not giving you one percent on one hundred thousand dollars. 0:12:54.280 --> 0:12:57.840 To me, that's just disrespectful, feel me. So I'd rather 0:12:58.000 --> 0:13:02.440 us like another simp beforematt if if. 0:13:02.559 --> 0:13:04.280 Bro, if you have five grand. 0:13:04.040 --> 0:13:05.880 And me and him need twenty five hundred a piece, 0:13:06.440 --> 0:13:07.880 you're gonna break down the five grand. 0:13:07.960 --> 0:13:09.280 We're gonna kick back the interest. 0:13:09.400 --> 0:13:12.120 Everybody at this table eating because when we're paying these 0:13:12.160 --> 0:13:14.760 outside entities and doing business with them, that money rarely 0:13:14.800 --> 0:13:17.000 trickles back down to our communities of people that look 0:13:17.080 --> 0:13:19.640 like us, period. So that was the whole concept, Bro, 0:13:19.760 --> 0:13:21.880 just studying these structures and then figuring out how we 0:13:21.920 --> 0:13:25.319 could we could literally emulate the blueprint, but we're gonna 0:13:25.480 --> 0:13:28.640 maintain our integrity within that and not screwing over screw 0:13:28.760 --> 0:13:30.079 one another over on the back end. 0:13:30.800 --> 0:13:32.920 So when did we get to a point where, like 0:13:33.080 --> 0:13:35.959 obviously you said it that on like this distrust issues. 0:13:35.960 --> 0:13:37.360 When do we get to a point where we can 0:13:37.440 --> 0:13:40.280 have these structured systems and people trusting each other and 0:13:40.280 --> 0:13:41.200 building off of each. 0:13:41.080 --> 0:13:44.120 Other, bro I, because look, people always say that to me, right, 0:13:44.120 --> 0:13:46.200 they'd be like, man, family be the first ones. And 0:13:46.240 --> 0:13:48.199 I'm like, you know, sometime that's true. But that's why 0:13:48.200 --> 0:13:50.600 we structure these businesses with paperwork. That's why we got 0:13:50.600 --> 0:13:53.160 to understand the Verbie. We gotta understand the be importus 0:13:53.240 --> 0:13:55.560 of black and white. I don't want to encourage anybody 0:13:55.559 --> 0:13:57.240 to have to sue their little brother, but if that's 0:13:57.280 --> 0:14:00.120 what you have to do to maintain some legitimacy with 0:14:00.200 --> 0:14:02.040 your business, does and that's what you do, because that's 0:14:02.040 --> 0:14:04.600 what these entities do. So the crazy thing to me, 0:14:04.640 --> 0:14:07.840 bro is people with that traditionalism they rather just contentualsly 0:14:07.880 --> 0:14:09.880 get screwed over for another eighty years than to break 0:14:09.880 --> 0:14:12.839 bread with their brother thinking that he may potentially screw 0:14:12.880 --> 0:14:15.160 them over, like bro, like, for the life of me. 0:14:15.200 --> 0:14:16.960 Broad ill never understand how people fall out with their 0:14:17.000 --> 0:14:19.800 cousin for twenty dollars that went missing at twenty five. 0:14:20.320 --> 0:14:22.560 But she'll do business with a bank until you eighty 0:14:22.600 --> 0:14:25.560 five and you have no issue with them slapping you 0:14:25.600 --> 0:14:28.120 over the head, gambling your money on Wall Street and 0:14:28.200 --> 0:14:29.800 you feel me in they give you one percent on 0:14:29.800 --> 0:14:32.840 your bread over the course of six months. 0:14:33.160 --> 0:14:35.600 So as far as like the investment club as you 0:14:35.640 --> 0:14:38.320 had mentioned, that's I guess like a bunch of people 0:14:38.360 --> 0:14:43.240 calling together and they would loan somebody like Susu. 0:14:43.840 --> 0:14:47.080 Yeah, be real, See somebody educated me on Susoue like 0:14:47.080 --> 0:14:49.200 two years ago, and it's much like Susu. 0:14:49.360 --> 0:14:50.520 So like my. 0:14:50.480 --> 0:14:53.000 Investment group in two thousand and nine eighteen bro, they 0:14:53.240 --> 0:14:55.920 collectively they invested in ninety grand I brought back like 0:14:56.000 --> 0:14:58.120 nine hundred and eight thousand by way of the business 0:14:58.200 --> 0:15:02.000 that I do with board games XYZ and everybody like 0:15:02.600 --> 0:15:04.480 easily triple quadrup with their money. 0:15:04.520 --> 0:15:06.720 Within a month or two, I came up. 0:15:06.760 --> 0:15:09.040 I was able to reinvest and put that into other 0:15:09.080 --> 0:15:11.880 businesses that made more money, and they came up as 0:15:11.920 --> 0:15:14.040 well because they was able to eat off what I 0:15:14.080 --> 0:15:16.040 was bringing to the table through my you know my 0:15:16.120 --> 0:15:16.920 personal endeavors. 0:15:17.480 --> 0:15:19.560 Yeah, the partner that's what they called the partner sism 0:15:19.680 --> 0:15:20.680 was Indians. 0:15:20.480 --> 0:15:24.120 Your choice you're making, so they heavy on that suit. 0:15:25.520 --> 0:15:27.360 It's crazy until somebody's like, yo, I ain't got it 0:15:27.360 --> 0:15:27.720 this month. 0:15:32.040 --> 0:15:33.800 No, I mean but that I mean yeah, I mean 0:15:33.840 --> 0:15:36.320 as far as the philosophy of it is, is definitely 0:15:36.360 --> 0:15:40.520 something that other communities use, especially like you know, like 0:15:40.560 --> 0:15:42.800 you go to Chinatown and a lot of communities they 0:15:42.800 --> 0:15:45.040 don't they might come to the country, they don't necessarily 0:15:45.040 --> 0:15:48.760 feel comfortable dealing with banks for a variety of different reasons, 0:15:48.760 --> 0:15:51.000 so they they do it themselves, like you know what 0:15:51.040 --> 0:15:52.720 I'm saying. So it's not it's not a it's not 0:15:52.760 --> 0:15:54.960 a foreign concept. But I think for us, like you said, 0:15:55.040 --> 0:15:56.440 I think the biggest issue for us a lot of 0:15:56.440 --> 0:15:58.960 times is mistrust because it's like, all right, if I 0:15:59.040 --> 0:16:01.760 loan this person a thousand dollars, so like I don't 0:16:01.760 --> 0:16:05.560 get it back, it's gonna be a whole different situation now, gota. 0:16:05.360 --> 0:16:05.760 Come see you. 0:16:05.800 --> 0:16:09.680 That's not having the having the economics right, Like, how 0:16:09.680 --> 0:16:11.040 do we can start with five thousand? 0:16:11.040 --> 0:16:12.720 But I't even got five thousand? 0:16:12.920 --> 0:16:14.920 You know what I'm saying so, yeah, how did I 0:16:14.960 --> 0:16:15.640 was so all right? 0:16:15.680 --> 0:16:18.280 So what would you say, like, like, for that situation, 0:16:18.400 --> 0:16:21.200 if it's a bunch of people and everybody's broke, like, 0:16:21.800 --> 0:16:24.600 how does how does that get the ball rollers? Everybody 0:16:24.640 --> 0:16:26.160 chipping a little bit to kind. 0:16:26.000 --> 0:16:29.240 Of bro, I would say this too, right, So for me, 0:16:29.400 --> 0:16:32.480 in home banking isn't only just like monetary. In home 0:16:32.520 --> 0:16:35.080 banking is I would I'm in the Airbnb wish you 0:16:35.120 --> 0:16:37.080