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Speaker 1: I'm Will Lucas and this is black Tech, Green money.

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Speaker 1: She and Allen is an entrepreneur, author, speaker, investor, and

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Speaker 1: creative architect. Her fintech startup, Capway, focuses on creating economic

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Speaker 1: access and opportunities for all through inclusive financial products and services,

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Speaker 1: including banking, content, payments, and more. With Capway, she became

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Speaker 1: the youngest female in the America to own and operate

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Speaker 1: a digital bank. Today, she's working on AI tools and

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Speaker 1: other technology to help non technical or early coders create

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Speaker 1: mobile applications. And so I'm interested in what representation means. So,

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Speaker 1: you know, typically when we think about representation, we think

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Speaker 1: about it if I grew up seeing people who looked

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Speaker 1: like me in successful positions, I see myself as potentially

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Speaker 1: being successful one day. But in your case, I want

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Speaker 1: to correlate this to your geography where you grew up

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Speaker 1: and so coming from a place that had one bank

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Speaker 1: financial institution, what does that do to the psyche of

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Speaker 1: people when they grow up and walk around, go to school,

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Speaker 1: go to work, and don't see any financial centers. What

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Speaker 1: does that do to you?

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Speaker 2: You know, it's interesting because you only know what you

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Speaker 2: know if you if you've never left Terry or you've

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Speaker 2: never left. That'side of Mississippi. What you see is all

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Speaker 2: that you know anyway, so it seems normal. It wasn't

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Speaker 2: until I've left that I was like, Okay, there's more

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Speaker 2: to life, There's more that this is not.

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Speaker 3: I would say it's not normal because technically for us,

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Speaker 3: it was normal.

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Speaker 2: So I don't say it affects you psychologically if it's

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Speaker 2: the only thing that.

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Speaker 3: You know, it's not until you leave. Social media has

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Speaker 3: made a difference.

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Speaker 2: I will say that because now we through the world

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Speaker 2: for the social media. But once again, when this is

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Speaker 2: all that you know, it seems normal.

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Speaker 1: What was your first technological entrepreneurial endeavor that showed you,

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Speaker 1: you know what, this is what I'm gonna do with

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Speaker 1: my life.

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Speaker 2: Oh well, you know, most people don't know that art

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Speaker 2: was my first love. It was not technology. So art

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Speaker 2: was my very first love. I was drawing in paintings

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Speaker 2: and like in middle school. I made my money in

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Speaker 2: high school because I used to design shoes. I would

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Speaker 2: bring me like, it's a white pair of shoes. We

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Speaker 2: were old, they were I was just fongebob shoes. I

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Speaker 2: want to hell a kiddy shoes And I would design them.

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Speaker 2: So that was my first love.

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Speaker 3: I didn't. I fell into tech in college not wanting

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Speaker 3: to be there.

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Speaker 2: I'm being hunt and honest, I went because my dad

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Speaker 2: wasn't you forced me to go, But it was very

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Speaker 2: much a you're astrail as student. Yeah, scholarships go to college.

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Speaker 2: But I when I technology, it was always art. I

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Speaker 2: thought I was going to be an artist. That was

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Speaker 2: gonna be my I wasimate entrepreneur with the sense of art.

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Speaker 2: But then when I fell into the world technology, I

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Speaker 2: knew it was no question for me, like that's what

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Speaker 2: I want to.

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Speaker 3: Do, like without question. The passion for the fact that my.

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Speaker 2: First app didn't do well with I was like, I

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Speaker 2: want to continue to do this building, build and build

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Speaker 2: without question.

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Speaker 3: For me, that was it.

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Speaker 1: What was the first app?

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Speaker 3: First app was so crazy enough.

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Speaker 2: My first app people think was the receipt app because

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Speaker 2: that's kind of what I talk about a lot. The

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Speaker 2: truth is my first app was actually an alcohol party

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Speaker 2: tale and it was I was at Southern miss I'm

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Speaker 2: not a party girl.

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Speaker 3: By the way, I have two let feets, so you

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Speaker 3: will not see me in the in any way.

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Speaker 2: There was an app called party, so it was mainly

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Speaker 2: because the USM, everybody was like trying to figure out

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Speaker 2: college town, what's going on, who's doing what, And it's

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Speaker 2: a smaller town so it's easier to know. But it

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Speaker 2: was also like, what if there was an app that

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Speaker 2: like just not habis a bird and sippy, but like

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Speaker 2: anywhere you could go to this app and figure out,

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Speaker 2: like what's going on in this city, especially if you're

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Speaker 2: not from there. So the first app idea was actually

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Speaker 2: app called party Tale and.

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Speaker 3: It actually did pretty well. And then not that was

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Speaker 3: like maybe my sophomore year of college.

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Speaker 2: And then the first app that started, Shena Allen Aps

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Speaker 2: was my senior year of college, which was the Receipt app.

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Speaker 3: The idea the idea was clearly I was ahead of

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Speaker 3: my time. I did was.

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Speaker 2: I wanted to make it so that if you go

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Speaker 2: to any place retail or whatever it said them giving

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Speaker 2: you your receipt, you actually scan your phone and you

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Speaker 2: can keep going with your money or receipts just through

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Speaker 2: digital versus like getting an actual receipt.

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Speaker 3: So that was the idea of it.

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Speaker 2: I clearly didn't know all that it took to make

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Speaker 2: that happen, so I kind of did my workarounds of

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Speaker 2: what I could. But that was the first app per

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Speaker 2: se that started not take journey, especially as Shanna Allen apps.

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Speaker 1: Yeah, I want to get into She and the Island apps,

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Speaker 1: you know, because that was something you were bootstrapping, like,

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Speaker 1: you didn't go out for funding for this first of all?

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Speaker 1: Why not? Why didn't you pursue funding?

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Speaker 3: I didn't. I don't know what the heck I was doing.

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Speaker 3: I'm gonna say, hey, I aint know.

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Speaker 2: I had no clue, so I had how to even

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Speaker 2: I didn't know the process of how to raise money.

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Speaker 3: For being honest, I had no clue.

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Speaker 2: Like when I started the Journey of Technology, I got

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Speaker 2: the money from my dad, who I'm treated about the

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Speaker 2: call back two more times and it was pretty much

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Speaker 2: a piece fronted me my refundship from school. But as

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Speaker 2: far as like saying, how do I pitch, how do

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Speaker 2: I do a pitch deck, what type of investors should

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Speaker 2: I go after?

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Speaker 3: What's a preceed round with a seed ground? I had

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Speaker 3: no clue.

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Speaker 2: That was all foreign to me. What I knew was

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Speaker 2: just how can I get this app out.

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Speaker 3: Into the world. I didn't know boofstrepping was I back then?

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Speaker 2: I couldn't have told you what a preceed round was,

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Speaker 2: what a seed ground, what a pitch deck was.

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Speaker 3: That was all completely foreign to me.

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Speaker 2: The part of me not raising was not knowing how

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Speaker 2: to raise or the proper way to raise. In the

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Speaker 2: other side was it was more of like I just

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Speaker 2: wanted this think done, Like what can I do to

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Speaker 2: get this thing out?

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Speaker 3: Now?

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Speaker 2: My mind, which probably most of us now, my mind

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Speaker 2: is very much like am I going to do a

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Speaker 2: preseed Like what's my old front cost? Do I go

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Speaker 2: out to like preseed funding? And I got like, my

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Speaker 2: mind is different now. But back then it wasn't that

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Speaker 2: I didn't want to raise. I didn't know the proper

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Speaker 2: way or if I should be raised.

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Speaker 1: Do you believe that not having outside capital constrained the

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Speaker 1: growth opportunity or do you think that the value proposition

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Speaker 1: just wasn't there? Like what was the limiting factor?

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Speaker 2: When I look back on it now, I actually think

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Speaker 2: I missed my mark as far as raising, because when

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Speaker 2: I say that.

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Speaker 3: There was a moment, there was a moment in time

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Speaker 3: for months and months.

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Speaker 2: Almost of a year when we were doing five thousands,

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Speaker 2: six thousand dollars a day, if not more, and.

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Speaker 3: We're talking about millions, millions.

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Speaker 2: And means of downloads doubling when we released it four

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Speaker 2: and I'm saying wee it was me. It was literally

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Speaker 2: just me, me and a team that I would outsource

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Speaker 2: to offshore too. When I tell you we did a

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Speaker 2: half million downloads in like two and a half three months,

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Speaker 2: like I one release of Android, I mean the downloads

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Speaker 2: were coming again, the requests were coming in.

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Speaker 3: And I didn't.

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Speaker 2: I didn't realize like you're hot, like you got to

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Speaker 2: go out and like raise or like you gotta take

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Speaker 2: this thing like to the next level.

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Speaker 3: That never runs across my mind and not in that way.

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Speaker 2: So I do feel like looking back on it, I

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Speaker 2: feel like I missed.

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Speaker 3: I missed the mark.

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Speaker 2: And then once I got more, once I spent time

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Speaker 2: in the Valley, spend time in Austin, I got mentors,

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Speaker 2: I really.

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Speaker 3: Learned the game.

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Speaker 2: I realized I had missed my mark, and so at

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Speaker 2: that point it's like I'm going to boostrap it, finish bootstrap,

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Speaker 2: and get what happens happens. I've learned a heck of

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Speaker 2: a lot from this, but I'm.

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Speaker 3: Not going to raise for it.

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Speaker 1: So you go to Silicon Valley with I'm sure some

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Speaker 1: sort of expectations. What were your expectations going to Silicon

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Speaker 1: Valley and what was the reality living there on the ground.

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Speaker 3: Honestly, I didn't going to the valley. First off.

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Speaker 2: I went there because I googled where do you go

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Speaker 2: to start a tech company? And people when I say that,

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Speaker 2: people think I'm saying as a joke, but like legit,

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Speaker 2: Like that's why I went, because I didn't know anything

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Speaker 2: about build a tech company. Versus saying what I what

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Speaker 2: I expected, I will say what I got there. What

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Speaker 2: I did not expect. I did not expect not to

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Speaker 2: see any black people. To be quite honest, that was

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Speaker 2: a huge shock.

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Speaker 4: For me to not see a very small reputation of

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Speaker 4: people who look like me, a small reputation of representation

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Speaker 4: of women, a small reputation of people of color.

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Speaker 2: I was very fascinated by it, though, But you know,

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Speaker 2: I got to go. I went to like the Google campus,

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Speaker 2: and one of the first I got to meet was

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Speaker 2: at a Google meet up, which was like David Sex

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Speaker 2: was speaking. He had just so, yeahver, we're a billion dollars.

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Speaker 2: So I was very fascinated by the things I got

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Speaker 2: to see there. With the expectation I didn't necessarily have

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Speaker 2: an expectation going there of then to learn, but it

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Speaker 2: was a culture shock for me, to.

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Speaker 3: Be quite honest.

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Speaker 1: Yeah, before I want to ask you something about that specifically,

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Speaker 1: but I want to go back to She and Alan

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Speaker 1: apps one more time. You know, there was this quote

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Speaker 1: I found where you said the company was doing really well,

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Speaker 1: over ten thousand dollars some days, millions of downloads total,

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Speaker 1: and we did well in revenue. But I made the decision,

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Speaker 1: even as the business was growing and investors became interested,

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Speaker 1: that this wasn't going to be my home run. I

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Speaker 1: knew this wasn't going to be my unicorn, but it

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Speaker 1: would be my greatest lesson. Say more about that, because

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Speaker 1: when people find something that is working at any level,

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Speaker 1: it's hard to be like, you know what that's but

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Speaker 1: there's something else and not even have that something else

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Speaker 1: operational or profitable or realize yet. So tell me give

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Speaker 1: me the thinking.

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Speaker 3: Yeah, well, kind of, like I said, I felt like

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Speaker 3: I had missed my mark.

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Speaker 2: When Dublin Pickxlet were doing millions of downloads. Those apps

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Speaker 2: also were being used by before social media influence, that

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Speaker 2: were being used by celebrities are people that had huge

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Speaker 2: followings and.

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Speaker 3: I got ready to go into at the time, which

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Speaker 3: was the sixth.

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Speaker 2: App under an Allen house brand, and I remember the

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Speaker 2: investors all of Hamilton being one crazy enough kind of

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Speaker 2: being like, you know, what you're doing is amazing, You've

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Speaker 2: done it by itself, like are you going to raise money?

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Speaker 2: And because I did feel like I had missed that

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Speaker 2: mark of being our peak, I guess you would say bootstrapping,

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Speaker 2: what I learned is that I only have to answer

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Speaker 2: to me, and so why when I say it's my

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Speaker 2: greatest lesson? I learned you gotta you gotta hit when

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Speaker 2: strike when when the fire is high hot.

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Speaker 3: I did learn how to pitch.

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Speaker 2: One of my mentors and often taught me very well

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Speaker 2: how to pitch, how not to pitch what I was

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Speaker 2: doing wrong bootstrapping, once again, you answer to yourself. Once

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Speaker 2: you raise money, every check you take your baby becomes

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Speaker 2: less of your baby. And people don't realize that. But

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Speaker 2: when you bootstrap, you on one hundred percent. So the

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Speaker 2: decisions come down to you when you raise money. The

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Speaker 2: decisions we raise money and we have a team.

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Speaker 3: A real team. Those decisions you made is very heavy.

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Speaker 2: You got stakeholders, and that's just want ten x one

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Speaker 2: hundred ext their money back. Decisions that you make determined

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Speaker 2: if your team is gonna eat next month and money.

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Speaker 3: It's real heavy.

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Speaker 2: So I learned from bootstrapping the mistakes I made feel

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Speaker 2: only on me, and so I took that as a

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Speaker 2: lesson going into my next venture, which was b cback.

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Speaker 3: But I learned a heck of a lot by boostracking.

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Speaker 1: So let's talk about those apps. Where you were it

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Speaker 1: was sheena, you know, outsourcing offshore. You know, this is

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Speaker 1: some of the work you did. You did all the

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Speaker 1: ui ux work. You were doing the flow charts to respects,

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Speaker 1: the testing, and you're a non technical founder. How did

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Speaker 1: you do that? How did you find those partners, those

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Speaker 1: people offshore? How did you go from idea to actually

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Speaker 1: having something tangible?

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Speaker 3: Yeah, the University of Google is powerful.

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Speaker 2: Well, the design piece was kind of natural to me

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Speaker 2: because clearly designers. Yeah, so that that part became very natural. So,

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Speaker 2: and I had the idea in my head even from

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Speaker 2: the very first app to even to the apps I

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Speaker 2: do today.

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Speaker 3: I know what I want the apps to look like.

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Speaker 2: So anything that you've ever seen me do, cafe website,

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Speaker 2: cafe app, any app, understand apps.

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Speaker 3: Any app I've ever been.

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Speaker 2: A part of, at least the initial designs were done

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Speaker 2: by me, because it's my vision of how I wanted

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Speaker 2: to look, how I wanted to operate, what I want

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Speaker 2: to use to see, how what I want what I

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Speaker 2: want to use to experience. So the very first part

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Speaker 2: of like drawing it out, was pretty just normal for me.

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Speaker 3: The second piece that comes along with that, though, is

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Speaker 3: kind of came after, but was a.

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Speaker 2: Little bit more difficult, especially early on, was I had

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Speaker 2: to learn that if I draw a screen one and

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Speaker 2: it has four buttons, I got to figure out where

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Speaker 2: each of those buttons are going to go. And I

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Speaker 2: got to be able to really explain that to the developer,

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Speaker 2: because developers are just there to develop, they're not there

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Speaker 2: to do anything else. So understanding that piece, the more

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Speaker 2: information I gave the more the easier I made it

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Speaker 2: for me and I made it for the developer. And

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Speaker 2: then because I also didn't have a lot of money,

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Speaker 2: it was like the availables, like, I'll do the back.

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Speaker 3: En now you give me the design to give me

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Speaker 3: all the information. I'll call this back in with the testing,

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Speaker 3: the QA deployment that.

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Speaker 2: Will be on you so also I had I pretty

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Speaker 2: much learned because I have a choice what to learn,

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Speaker 2: and so I took that experience from the first one

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Speaker 2: and I just keep it going through all the.

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Speaker 1: Rest of Yeah. So and then I want to get

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Speaker 1: to cawwoays. So you know, coming on a visit back home,

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Speaker 1: I want you to tell this story of you know,

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Speaker 1: you you go back to Terry and you see people

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Speaker 1: still cashing their checks at Kroger or whatever grocery store

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Speaker 1: or whatever and so, and that's eye opening. I imagine, like, yo,

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Speaker 1: I didn't you said before, like you know, you don't

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Speaker 1: realize it when you're in it, like you don't know

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Speaker 1: nothing different. But then when you left you come back,

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Speaker 1: you like, hold on, I grew up in this and

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Speaker 1: this is still happening.

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Speaker 3: Yep. Well capway in itself. You know.

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Speaker 2: The the name is self sense for a new web

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Speaker 2: of doing capital that was that was a whole point,

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Speaker 2: that was a whole goal.

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Speaker 3: When I did it.

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Speaker 2: I was living in Austin at the time, and I

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Speaker 2: would come back home quite often, and it was to

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Speaker 2: your point where you asked the first time, that is

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Speaker 2: when for me it was like there's so much more

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Speaker 2: more to the world. And technology can give us access

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Speaker 2: in a way that I think none of us quite

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Speaker 2: realize it. And so the beginning of Cathway it was

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Speaker 2: me pretty much taking my professional experience of technology or

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Speaker 2: in the take space, in my personal experience of growing

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Speaker 2: up in a town with one bank, in a in

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Speaker 2: a state that it's number one for unbanked and under

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Speaker 2: bank residents per capital of any other state in America.

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Speaker 2: It was taking my personal experience and combining my professional experience.

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Speaker 2: That is how why Cathoway came to be from the

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Speaker 2: very beginning. It was a struggle from the very beginning

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Speaker 2: as far as pitching get raising money, mainly because.

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Speaker 3: Investors invest in what they know.

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Speaker 2: First off, we talk about the lack of money that

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Speaker 2: goes to black women. That's a stat in itself, which

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Speaker 2: is a whole podcast. There comes the stats of black

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Speaker 2: women and then women. And then you're talking about a

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Speaker 2: space so that I'm going in as a black woman

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Speaker 2: with a country accent talking about fintech, unmased, under bank.

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Speaker 3: First off, s fin tech is.

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Speaker 2: Not it's dominly a male dominated industry within a segment

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Speaker 2: of the of the tech space.

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Speaker 3: So finances of is a male dominated industry.

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Speaker 2: So if I just spent tech this, it's finance too,

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Speaker 2: and tech is also male dominated. A lot of people

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Speaker 2: just didn't get it. They just absolutely did not get

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Speaker 2: what the heck I was talking about. I'm like, hey,

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Speaker 2: I can if you would like to, we can drive

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Speaker 2: to Mississippi right now, and I can take you through

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Speaker 2: the Delta Mississippi. We can drive for thirty minutes. You're

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Speaker 2: not gonna steal a bank. I can show you can

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Speaker 2: keep money in the house right now. You know that's

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Speaker 2: the reality, and that's not the reality of Justsissippi.

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Speaker 3: But I can give you. I can show you that.

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Speaker 3: I can tell you.

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Speaker 2: But I had investments asking me to not make up

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Speaker 2: the word unbanked, and that's who felt like this was

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Speaker 2: more of a third world country problem, Like we did

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Speaker 2: not have this problem in America. So my experience, my

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Speaker 2: love of home, my experience of home, my experience in

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Speaker 2: my community, the lack of it definitely would lead to Capway.

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Speaker 2: But I would tell you that it is by far.

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Speaker 2: I feel like anything I do after Capway should be

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Speaker 2: a breeze man that startup. It's so many different ways

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Speaker 2: brought me.

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Speaker 1: Yeah, So when you have the kind of background that

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Speaker 1: you have where you've done all of these different things,

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Speaker 1: these different apps ideas, and you've been able to get

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Speaker 1: them out into the world without necessarily even being technical yourself.

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Speaker 1: That lends pretty well to being able to teach other

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Speaker 1: people how to do it. So talk to me about

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Speaker 1: what you're doing today with apping out and all these

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Speaker 1: other things and you're speaking and you know, writing, and

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Speaker 1: talk to me about why this is, why this matters

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Speaker 1: to you and what you teach.

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Speaker 3: Yeah, so, caf Way, we're going through a transition right now.

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Speaker 3: I don't know. Yes, that's a different converation for a

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Speaker 3: different day.

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Speaker 2: But regardless of what happens with Capway tomorrow, next month,

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Speaker 2: next year, my love for financial inclusion isn't going anywhere.

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Speaker 2: So still speaking on it, still doing projects around it, consulting,

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Speaker 2: whatever the case or how it looks, I will forever

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Speaker 2: have passion for and work to some capacity, even if

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Speaker 2: it's just speaking about it.

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Speaker 3: In financial inclusion, I think we have a huge gap.

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Speaker 3: We have a huge.

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Speaker 2: Issue honestly in America but also outside of America. And

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Speaker 2: so until I know those gaps were filled, which I

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Speaker 2: don't think will happen anytime soon, not even in our lifetime.

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Speaker 2: If I'm just being honest, I will always be doing

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Speaker 2: some form of work in the financial including space.

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Speaker 3: So that's number one.

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Speaker 2: The second thing as far as app it Out and

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Speaker 2: what I'm doing now, is I'm taking a dive into

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Speaker 2: the to the AI world. Honestly, not because it's trendy.

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Speaker 2: I actually try to run from trends for being quite

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Speaker 2: uns because well three I was like no, NFTs. I

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Speaker 2: was like you, no, anything that's trendy. I personally try

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Speaker 2: to turn a completely different, like the complete opposite direction.

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Speaker 2: The reason that AI for me has been interesting and

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Speaker 2: why I found myself in AI now is one with

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Speaker 2: app it Out, which is one of the products under

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Speaker 2: the AI company Mindful that I started is it's kind

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Speaker 2: of full circle.

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Speaker 3: But I'm just being honest, So.

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Speaker 2: App it Out is actually the AI component to it

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Speaker 2: is actually takes to software and so what I'm pretty

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Speaker 2: much doing is taking what I did ten years ago,

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Speaker 2: which was what information I need to put in in

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Speaker 2: As far as like when my lowers look like this,

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Speaker 2: I want the app to function like this.

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Speaker 3: I love like the function like this.

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Speaker 2: In the meantime, of course, you have like your squarespace,

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Speaker 2: your which your dragon drops, But what does it really

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Speaker 2: mean for someone non technical to be able to put

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Speaker 2: it in certain information and for artficial intelligence to be

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Speaker 2: able to turn that into at least a beta version

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Speaker 2: or NDP version of an app for a website. Because

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Speaker 2: there's so so many people are non technical, so many

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Speaker 2: small business owners who can't afford or don't understand how

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Speaker 2: to outscore. They don't know how to even work a

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Speaker 2: dragon drop even if there was a case. So how

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Speaker 2: can I build something that actually changes that in a

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Speaker 2: world where.

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Speaker 3: Generals AI can do it?

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Speaker 2: So that but I was kind of a full circle

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Speaker 2: product if I'm If I'm being honest, the other parts,

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Speaker 2: other parts and of the product, shall I say, they

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Speaker 2: were working one under the parent company of Mindful, which

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Speaker 2: is AI company. The language model that we're working on

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Speaker 2: is actually called GABBY and actually what it is the

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Speaker 2: getting of the stance for the GAB stands for gaps and.

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Speaker 3: Biases, and so one of the.

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Speaker 2: Biggest things that we're fighting with anything that we're developing

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Speaker 2: kind of that core mission, that foundation is what are

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Speaker 2: we doing what can we do to fight against the

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Speaker 2: issues that are in artificial intelligence? No matter what people say,

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Speaker 2: no matter how great it looks from the open a

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Speaker 2: eyes to all the rest of them.

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Speaker 3: They have a lot of issues people have.

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Speaker 2: People sometimes don't know and don't understand that artificial intelligence

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Speaker 2: is a status scraping. It's a lot of data being

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Speaker 2: put together and spit out. But if a lot of

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Speaker 2: the data it's already biased and you put it into

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Speaker 2: a data set or you put into a language model,

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Speaker 2: is actually only going to spit out more biased information.

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Speaker 2: And so for us, it was how do we insert

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Speaker 2: ourselves into a space.

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Speaker 3: AI I mean open ay.

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Speaker 2: It's not going to try to figure out how to

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Speaker 2: work with the local business owner.

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Speaker 3: They might say they do, but they gonna work with

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Speaker 3: shutter stop.

444
00:22:01,119 --> 00:22:03,920
Speaker 2: And it's got stocks like you should have stopped every

445
00:22:03,920 --> 00:22:05,080
Speaker 2: time to search for a black.

446
00:22:04,920 --> 00:22:07,720
Speaker 3: Personal shutter Stop. It's the same black guy. It is

447
00:22:07,880 --> 00:22:08,560
Speaker 3: exact same.

448
00:22:09,960 --> 00:22:12,000
Speaker 2: I know him when I see him on something like

449
00:22:12,000 --> 00:22:13,200
Speaker 2: that's a black guy for each other.

450
00:22:15,440 --> 00:22:17,720
Speaker 3: But it's not just that, it's it's a it's a it'sn't.

451
00:22:17,440 --> 00:22:21,280
Speaker 2: A lot of finance media. It's not one category. There's

452
00:22:21,320 --> 00:22:25,399
Speaker 2: a huge issue that it can be solved. It's just

453
00:22:25,440 --> 00:22:28,160
Speaker 2: that the big guys play with the big guys, So

454
00:22:28,280 --> 00:22:31,040
Speaker 2: how can we fill those gaps.

455
00:22:31,040 --> 00:22:34,600
Speaker 3: How can we come back those biases doing things a

456
00:22:34,600 --> 00:22:35,159
Speaker 3: little different?

457
00:22:36,280 --> 00:22:39,640
Speaker 1: And you said something after you kind of trailed off

458
00:22:39,720 --> 00:22:42,040
Speaker 1: on cafway. You're like, you know, it's a different conversation

459
00:22:42,080 --> 00:22:43,879
Speaker 1: for a different day, and I'm I'm gonna dig one

460
00:22:43,960 --> 00:22:46,240
Speaker 1: level deeper. You can go if you want to, I'm

461
00:22:46,240 --> 00:22:49,399
Speaker 1: gonna go one level. And so I feel like, you know,

462
00:22:49,440 --> 00:22:51,480
Speaker 1: you've been doing it, You've been doing this a long time.

463
00:22:51,680 --> 00:22:56,439
Speaker 1: And then there's players that come in and it felt

464
00:22:56,640 --> 00:22:58,800
Speaker 1: to me like the you know, the black woman got,

465
00:22:58,960 --> 00:23:03,159
Speaker 1: you know, to push to the side while all this

466
00:23:03,240 --> 00:23:07,320
Speaker 1: attention went to other places. And I wonder, and not

467
00:23:07,760 --> 00:23:08,960
Speaker 1: to throw shade it them. I mean, you got to

468
00:23:08,960 --> 00:23:11,320
Speaker 1: take advantage of the opportunities that come, you know, to you.

469
00:23:11,400 --> 00:23:14,720
Speaker 1: But the institutions that go support you know, it is

470
00:23:14,800 --> 00:23:17,200
Speaker 1: hard enough for black people, it's harder for black women.

471
00:23:17,680 --> 00:23:20,240
Speaker 1: And so I wonder what your take is, if you

472
00:23:20,280 --> 00:23:23,040
Speaker 1: want to go the level deeper at all, we can

473
00:23:23,080 --> 00:23:26,879
Speaker 1: do the conversation for another day today. I wonder what

474
00:23:26,920 --> 00:23:27,600
Speaker 1: your thoughts are.

475
00:23:30,480 --> 00:23:33,000
Speaker 2: I think this iss is business like one hundred percent.

476
00:23:33,040 --> 00:23:35,960
Speaker 2: I'm not just saying that because politically correct. I think

477
00:23:36,040 --> 00:23:38,439
Speaker 2: business is business. To your point, you take advantage of

478
00:23:39,240 --> 00:23:41,600
Speaker 2: opportunity at hand. I'm not mad at them for doing that.

479
00:23:41,760 --> 00:23:45,720
Speaker 2: You took advantage of attention, you took advantage of the

480
00:23:45,840 --> 00:23:49,560
Speaker 2: right people being the face of it, and it worked

481
00:23:49,600 --> 00:23:50,400
Speaker 2: for you.

482
00:23:50,160 --> 00:23:54,800
Speaker 3: In that time. Do I agree on the sense of

483
00:23:56,280 --> 00:23:57,480
Speaker 3: I agree in the sense.

484
00:23:57,280 --> 00:24:01,159
Speaker 2: Of was it a move, a long term move that

485
00:24:01,280 --> 00:24:06,520
Speaker 2: actually helped the issues at hand? No, because the issues

486
00:24:06,560 --> 00:24:10,600
Speaker 2: at hand is not about just culture. Culture plays a

487
00:24:10,680 --> 00:24:13,480
Speaker 2: huge issue, is a huge part of it. But the

488
00:24:13,560 --> 00:24:18,840
Speaker 2: issues are so deeply rooted that I think a lot

489
00:24:18,840 --> 00:24:21,280
Speaker 2: of people got caught in the height and we missed

490
00:24:21,359 --> 00:24:23,320
Speaker 2: the reason that we need to be doing the work

491
00:24:23,359 --> 00:24:24,040
Speaker 2: that we're doing.

492
00:24:24,400 --> 00:24:25,520
Speaker 3: That part I don't agree with.

493
00:24:27,119 --> 00:24:30,159
Speaker 2: Running a fintech company is extremely tough because it's it's

494
00:24:30,160 --> 00:24:34,280
Speaker 2: a regulated industry, and so even when I was sitting

495
00:24:34,320 --> 00:24:35,919
Speaker 2: back and I was seeing it, it wasn't I was

496
00:24:35,960 --> 00:24:37,800
Speaker 2: pissed because they did what they did once Stan took

497
00:24:37,800 --> 00:24:38,600
Speaker 2: advantage of a moment.

498
00:24:38,760 --> 00:24:40,000
Speaker 3: It's business your thing.

499
00:24:41,920 --> 00:24:43,960
Speaker 2: I'm knowing from the inside and the other side of

500
00:24:43,960 --> 00:24:47,399
Speaker 2: how things operate, that things are being done correctly. Because

501
00:24:48,200 --> 00:24:50,680
Speaker 2: there's a lot of red tape, there's regulations. You got

502
00:24:50,680 --> 00:24:53,840
Speaker 2: to know how to speech work reggae is completely outdated,

503
00:24:53,840 --> 00:24:56,040
Speaker 2: which is how dipus work reggae is dispused.

504
00:24:56,119 --> 00:24:57,680
Speaker 3: And it's not just piece.

505
00:24:59,000 --> 00:25:03,440
Speaker 2: The financial world from a regulatory standpoint is so outdated,

506
00:25:03,520 --> 00:25:05,959
Speaker 2: it's not. It has not been updated to keep up

507
00:25:05,960 --> 00:25:08,359
Speaker 2: with the digital space of today.

508
00:25:08,440 --> 00:25:12,040
Speaker 3: And so I knew that a love that was not

509
00:25:12,119 --> 00:25:12,840
Speaker 3: going to work.

510
00:25:12,880 --> 00:25:15,600
Speaker 2: And it wasn't the most than a point of me

511
00:25:15,760 --> 00:25:22,280
Speaker 2: wishing them bad, Honestly, wasn't. I just think that a

512
00:25:22,359 --> 00:25:28,000
Speaker 2: collaborative effort or understand that space are more the roots

513
00:25:28,000 --> 00:25:34,959
Speaker 2: of what the issues were everybody could have won versus.

514
00:25:35,040 --> 00:25:35,840
Speaker 3: When we would pitch.

515
00:25:35,960 --> 00:25:41,320
Speaker 2: Honestly, after that, it would be either one, you haven't

516
00:25:41,400 --> 00:25:43,880
Speaker 2: raised close to amount of month day raised, so you're

517
00:25:43,920 --> 00:25:46,280
Speaker 2: so far behind that even if you raise another five.

518
00:25:46,160 --> 00:25:50,040
Speaker 3: Ten million, what makes you feel that you can keep

519
00:25:50,119 --> 00:25:50,680
Speaker 3: up or out you?

520
00:25:50,960 --> 00:25:54,080
Speaker 1: That was number one, which is wild because they don't

521
00:25:54,119 --> 00:25:56,520
Speaker 1: ask that how big of Americas on compete with Chase

522
00:25:56,720 --> 00:26:00,679
Speaker 1: or how they but it's just the black ones. Yes,

523
00:26:00,840 --> 00:26:02,639
Speaker 1: it's only room for one of y'all. To y'all.

524
00:26:03,200 --> 00:26:05,239
Speaker 2: The second thing that we got a lot of was

525
00:26:06,600 --> 00:26:08,479
Speaker 2: from investors when we would when we would go out

526
00:26:08,520 --> 00:26:13,600
Speaker 2: of pitch. After all the you know, the hype was all, well,

527
00:26:13,600 --> 00:26:17,719
Speaker 2: we were already funded one black fintech. Yeah, and some

528
00:26:17,880 --> 00:26:20,280
Speaker 2: said that directly, some did not. And the ones who

529
00:26:20,280 --> 00:26:23,080
Speaker 2: didn't say directly, what they said is they didn't say

530
00:26:23,080 --> 00:26:25,560
Speaker 2: those exac words, but they said those exec words. And

531
00:26:25,600 --> 00:26:30,159
Speaker 2: it was was frustrating theirs because even though we were

532
00:26:30,320 --> 00:26:33,000
Speaker 2: too black own fintech companies, we actually didn't.

533
00:26:32,720 --> 00:26:33,400
Speaker 3: Do the same thing.

534
00:26:33,680 --> 00:26:36,000
Speaker 2: Outside the fact that we had a debit card, we were

535
00:26:36,040 --> 00:26:40,680
Speaker 2: not the same companies. Our goal overall at CAFOE.

536
00:26:40,320 --> 00:26:42,719
Speaker 3: Was building a complete ecosystem.

537
00:26:42,359 --> 00:26:44,600
Speaker 2: And that was from B to B B two CE.

538
00:26:46,040 --> 00:26:48,399
Speaker 2: Pretty much all of our technology we built in house.

539
00:26:48,880 --> 00:26:51,800
Speaker 2: So even though we had vendors that were required by

540
00:26:52,640 --> 00:26:56,359
Speaker 2: federal purposes, having a sponsor bank, you can't get around that.

541
00:26:57,280 --> 00:27:00,480
Speaker 2: You look on your on your cash up car it

542
00:27:00,560 --> 00:27:02,760
Speaker 2: says it had the sponsored bank name.

543
00:27:02,800 --> 00:27:04,880
Speaker 3: It's the varia about a matter how big a small

544
00:27:04,960 --> 00:27:05,240
Speaker 3: you are.

545
00:27:05,280 --> 00:27:07,800
Speaker 2: As a neo bank challenging bank, covidital bank, you have

546
00:27:07,960 --> 00:27:10,520
Speaker 2: to have a sponsored bank. So again some things you

547
00:27:10,560 --> 00:27:15,919
Speaker 2: can't get around. But outside of the things that were required,

548
00:27:15,960 --> 00:27:18,960
Speaker 2: as far as vendors actually built that in house.

549
00:27:19,840 --> 00:27:22,639
Speaker 3: You know, our CTO donere was absolutely amazing.

550
00:27:23,240 --> 00:27:25,560
Speaker 2: The vision from my side, the developing from his side,

551
00:27:25,600 --> 00:27:29,399
Speaker 2: The team that we had was absolutely amazing. So you

552
00:27:29,400 --> 00:27:32,000
Speaker 2: couldn't really challenge me on certain things because we built it.

553
00:27:32,160 --> 00:27:34,280
Speaker 2: You know, it wasn't that as a vendor. We literally

554
00:27:34,440 --> 00:27:38,760
Speaker 2: built it in house. We built an entire financial infrastructure

555
00:27:39,359 --> 00:27:40,160
Speaker 2: at Capway.

556
00:27:40,760 --> 00:27:43,879
Speaker 3: So I think the.

557
00:27:42,720 --> 00:27:44,480
Speaker 2: Skills that that we had, the knowledge that we had,

558
00:27:44,520 --> 00:27:46,720
Speaker 2: the team that we had who had years of experience,

559
00:27:46,720 --> 00:27:49,959
Speaker 2: you have done this for so long, going way deeper

560
00:27:50,000 --> 00:27:53,639
Speaker 2: than just surface level of culture was once again plays

561
00:27:53,680 --> 00:27:56,280
Speaker 2: a huge role because black and brown had so many issues,

562
00:27:57,680 --> 00:28:02,960
Speaker 2: but it was very level and I think that's the flush.

563
00:28:03,119 --> 00:28:05,760
Speaker 2: That's where the frustrating piece came for me. That and

564
00:28:05,800 --> 00:28:10,240
Speaker 2: once again, investors believe in that investing in one black

565
00:28:10,320 --> 00:28:12,840
Speaker 2: fintech means that nobody else would be funded.

566
00:28:13,240 --> 00:28:15,320
Speaker 3: And that was where our big issues came in to

567
00:28:15,359 --> 00:28:16,040
Speaker 3: be lite honest.

568
00:28:16,080 --> 00:28:21,200
Speaker 2: You you at the startup, Survival is oxygen and oxygen

569
00:28:21,280 --> 00:28:21,760
Speaker 2: is cash.

570
00:28:22,040 --> 00:28:23,439
Speaker 3: You have to have money.

571
00:28:24,040 --> 00:28:28,800
Speaker 2: Fin tech, particularly digital banking, is a capital intensive industry.

572
00:28:29,000 --> 00:28:33,840
Speaker 2: It's a capital intensive product. You cannot build a digital

573
00:28:33,840 --> 00:28:36,320
Speaker 2: bank with a million dollars two million dollars. You have

574
00:28:36,359 --> 00:28:38,240
Speaker 2: to have an influx of cash. So you see people

575
00:28:38,320 --> 00:28:40,880
Speaker 2: raise ten million, twenty million. I'm not mad at it

576
00:28:40,880 --> 00:28:43,400
Speaker 2: because it takes a lot of money to run fintech companies,

577
00:28:43,480 --> 00:28:47,000
Speaker 2: particularly fintech companies like that. But when you can raise

578
00:28:47,080 --> 00:28:49,160
Speaker 2: five million, but then you can't raise another five or

579
00:28:49,240 --> 00:28:51,760
Speaker 2: ten because everybody says, but this person are to.

580
00:28:51,720 --> 00:28:54,920
Speaker 3: Raise s fifty Yeah, yeah, so you can't.

581
00:28:54,920 --> 00:28:56,960
Speaker 2: You know, there's no point of us investing because now

582
00:28:56,960 --> 00:28:59,040
Speaker 2: it's bull and boyd.

583
00:28:59,320 --> 00:29:00,440
Speaker 3: They want the game.

584
00:29:00,680 --> 00:29:02,920
Speaker 2: They won the game even if they had less traction

585
00:29:02,960 --> 00:29:04,360
Speaker 2: in US, but they won the game because they got

586
00:29:04,360 --> 00:29:09,160
Speaker 2: fifty million. And so cash is oxygen and you don't

587
00:29:09,200 --> 00:29:09,920
Speaker 2: have oxygen.

588
00:29:10,240 --> 00:29:14,520
Speaker 1: Problems are Yeah, you know when you have the vision

589
00:29:14,640 --> 00:29:17,560
Speaker 1: where you are now of the benefit of hindsight and

590
00:29:17,600 --> 00:29:19,800
Speaker 1: you still in the game because you number one, you're young,

591
00:29:19,880 --> 00:29:22,160
Speaker 1: and you've got other I think, other things going on,

592
00:29:22,200 --> 00:29:24,640
Speaker 1: and this one's not dead. Like when you look back

593
00:29:24,680 --> 00:29:28,479
Speaker 1: at your entrepreneurial journey so far, you know, can you

594
00:29:28,640 --> 00:29:32,080
Speaker 1: point to a moment where if you could take it back,

595
00:29:32,120 --> 00:29:35,000
Speaker 1: you would do that thing differently, Like there's entrepreneurs out

596
00:29:35,040 --> 00:29:38,320
Speaker 1: there who listen and are in the middle of making mistakes.

597
00:29:38,640 --> 00:29:41,600
Speaker 1: Just made a mistake about to make a mistake and like,

598
00:29:41,640 --> 00:29:44,040
Speaker 1: if you look back, you know, what was one thing

599
00:29:44,080 --> 00:29:45,360
Speaker 1: that you did, and you'd be like, man, if I

600
00:29:45,360 --> 00:29:49,640
Speaker 1: would have done that differently, the story would be different.

601
00:29:49,800 --> 00:29:53,560
Speaker 2: Oh, there's definitely more than one.

602
00:29:54,520 --> 00:30:00,200
Speaker 3: I'm not in the middle one now, but so I

603
00:30:00,240 --> 00:30:01,960
Speaker 3: have to say for one all, actually I'm gonna give

604
00:30:01,960 --> 00:30:04,520
Speaker 3: you two because it's hard for me to give.

605
00:30:04,120 --> 00:30:06,200
Speaker 2: One because I think that and both of them came

606
00:30:06,200 --> 00:30:09,280
Speaker 2: with Cathaway, to be quite honest.

607
00:30:09,560 --> 00:30:10,800
Speaker 3: The first one came.

608
00:30:13,800 --> 00:30:17,120
Speaker 2: Because when money was flowing in twenty twenty one and

609
00:30:17,200 --> 00:30:18,440
Speaker 2: they were just like handing out money.

610
00:30:18,720 --> 00:30:21,080
Speaker 3: I called it handed out money. I mean, you know

611
00:30:21,280 --> 00:30:21,920
Speaker 3: it is.

612
00:30:24,200 --> 00:30:26,120
Speaker 2: We did not raise, and that's for me, the CEO

613
00:30:27,400 --> 00:30:30,400
Speaker 2: and I didn't raise because we had money in the bank.

614
00:30:30,600 --> 00:30:31,880
Speaker 3: We were doing fine.

615
00:30:32,640 --> 00:30:34,080
Speaker 2: I didn't want to go out and raise on some

616
00:30:34,120 --> 00:30:38,040
Speaker 2: crazy valuation and it turned around and killed us.

617
00:30:37,920 --> 00:30:41,160
Speaker 3: And hurt us, you know, a year, two years, three years.

618
00:30:40,880 --> 00:30:44,040
Speaker 2: From now, and so I was like, oh, we're fine, likes,

619
00:30:44,360 --> 00:30:46,240
Speaker 2: that's not get caught up in the giving away of

620
00:30:46,280 --> 00:30:52,800
Speaker 2: money and then we look crazy two years from now. Hindsight,

621
00:30:53,760 --> 00:30:55,480
Speaker 2: I still would not have wanted to go out and

622
00:30:55,560 --> 00:30:57,600
Speaker 2: raise ten million dollars at a one hundred and fifty

623
00:30:57,560 --> 00:31:01,480
Speaker 2: milliar valuation. I just think most people who did that

624
00:31:01,640 --> 00:31:03,800
Speaker 2: either end up giving that money back or end up

625
00:31:03,840 --> 00:31:06,960
Speaker 2: dying anyway because I think they didn't know how to

626
00:31:07,000 --> 00:31:10,280
Speaker 2: probably spend the money, or just there's something crazy happened.

627
00:31:11,320 --> 00:31:13,520
Speaker 3: But I do wish I, as a CEO would have.

628
00:31:13,480 --> 00:31:16,560
Speaker 2: Made excision to raise more because I want to be

629
00:31:16,560 --> 00:31:18,240
Speaker 2: in fintech put intensive.

630
00:31:18,520 --> 00:31:18,720
Speaker 1: Yeah.

631
00:31:19,480 --> 00:31:25,600
Speaker 2: Second mistake that I made with Capway is I think

632
00:31:25,640 --> 00:31:30,440
Speaker 2: I and I think I know, I held on being

633
00:31:31,960 --> 00:31:36,600
Speaker 2: very optimistic a little longer than I should have. We

634
00:31:36,640 --> 00:31:40,280
Speaker 2: had a lot of M and A offers throughout throughout

635
00:31:40,280 --> 00:31:43,400
Speaker 2: the company. It wasn't at one point in time or another.

636
00:31:43,440 --> 00:31:45,080
Speaker 2: Throughout the company we had people say you want to

637
00:31:45,120 --> 00:31:51,360
Speaker 2: sell interested in a year see But even when things

638
00:31:51,400 --> 00:31:55,800
Speaker 2: start to go, I would say go south or go left.

639
00:31:56,080 --> 00:31:59,280
Speaker 2: I was still very optimistic. Things want to turn back

640
00:31:59,360 --> 00:32:05,920
Speaker 2: right a much quicker paste than what it did. Part

641
00:32:05,960 --> 00:32:07,920
Speaker 2: of being a CEO is been optimistic, though I will

642
00:32:07,920 --> 00:32:10,440
Speaker 2: say that, but I think I held on a little

643
00:32:10,520 --> 00:32:15,560
Speaker 2: too long and I made some mistakes as a CEO,

644
00:32:15,560 --> 00:32:17,120
Speaker 2: which I have no problem with admitting that I made

645
00:32:17,120 --> 00:32:22,320
Speaker 2: mistakes at the CEO that although I make these mistakes.

646
00:32:22,360 --> 00:32:24,440
Speaker 2: They've helped me a lot as a person and as

647
00:32:24,560 --> 00:32:26,600
Speaker 2: entrepreneur and as a CEO going to.

648
00:32:26,520 --> 00:32:27,240
Speaker 3: My next adventure.

649
00:32:28,840 --> 00:32:31,240
Speaker 2: So yeah, there's probably two biggest ones that I look

650
00:32:31,280 --> 00:32:32,920
Speaker 2: back and say I could have done things.

651
00:32:33,240 --> 00:32:36,200
Speaker 1: What's the lesson there? What's the lesson in that last one?

652
00:32:37,880 --> 00:32:44,520
Speaker 1: Don't be romantic about.

653
00:32:43,920 --> 00:32:46,680
Speaker 2: I really don't necessarily have emotions when it comes to business,

654
00:32:46,760 --> 00:32:48,800
Speaker 2: especially once you get as a CEO running a startup.

655
00:32:51,200 --> 00:32:54,160
Speaker 2: My biggest lesson though is actually came more so came

656
00:32:54,160 --> 00:32:56,760
Speaker 2: from the investors who are invested in Capway, and that

657
00:32:57,040 --> 00:32:59,560
Speaker 2: was once I got to the point that I was like, hey,

658
00:33:00,000 --> 00:33:03,920
Speaker 2: fund raising is not happening. We're gonna have to take

659
00:33:03,960 --> 00:33:06,400
Speaker 2: probably take the M and A offer. We're going to

660
00:33:06,440 --> 00:33:09,880
Speaker 2: figure something out. And I remember just kind of fighting

661
00:33:09,880 --> 00:33:11,920
Speaker 2: through and doing all these due diligence and talking to

662
00:33:11,920 --> 00:33:15,560
Speaker 2: different people. And I had investors on my account table

663
00:33:15,560 --> 00:33:18,760
Speaker 2: who was literally like, yeah, you do more than half

664
00:33:18,760 --> 00:33:20,720
Speaker 2: of people in our portfolio because most of them been

665
00:33:20,800 --> 00:33:24,520
Speaker 2: like whatever, big company, move on.

666
00:33:24,960 --> 00:33:25,480
Speaker 3: It's like the.

667
00:33:25,400 --> 00:33:29,200
Speaker 2: Fact that you are actually actively from a founder perspective,

668
00:33:29,360 --> 00:33:32,720
Speaker 2: like trying to get this thing sold. The fact that

669
00:33:32,760 --> 00:33:34,800
Speaker 2: you are a CEO of a founder is like trying

670
00:33:34,840 --> 00:33:36,960
Speaker 2: to figure out how to make sure everybody walks away

671
00:33:37,000 --> 00:33:40,160
Speaker 2: with something. It's like, most founders don't do that. Most

672
00:33:40,200 --> 00:33:42,880
Speaker 2: founders is like, cool, it didn't work.

673
00:33:42,960 --> 00:33:43,600
Speaker 3: It didn't work.

674
00:33:45,320 --> 00:33:49,160
Speaker 2: I didn't want to be that founder. The biggest lesson

675
00:33:49,200 --> 00:33:56,080
Speaker 2: though of it all was everybody half of that portfolio

676
00:33:56,160 --> 00:33:58,760
Speaker 2: is probably going to fail. Is it a failure? Is

677
00:33:58,800 --> 00:34:01,680
Speaker 2: it a lesson holding on to something that is not

678
00:34:01,720 --> 00:34:03,680
Speaker 2: going to go anywhere. It's not going to benefit you,

679
00:34:03,760 --> 00:34:06,720
Speaker 2: the investors, a team, or anybody else. So it's going

680
00:34:06,760 --> 00:34:11,320
Speaker 2: to add a whole bunch of stress. Yeah, that's going.

681
00:34:11,239 --> 00:34:14,480
Speaker 3: To not be pretty for you in the long run.

682
00:34:14,520 --> 00:34:15,200
Speaker 3: I said, most of.

683
00:34:16,880 --> 00:34:20,160
Speaker 2: The second twenty twenty three I completely disappeared, And that

684
00:34:20,280 --> 00:34:24,680
Speaker 2: was me bouncing back to stress and just thankfully we

685
00:34:24,719 --> 00:34:27,520
Speaker 2: had amazing investors who I feel talk to now on

686
00:34:27,560 --> 00:34:28,360
Speaker 2: our cap table.

687
00:34:28,800 --> 00:34:33,360
Speaker 3: But that was a stress and that was me learning

688
00:34:33,480 --> 00:34:36,680
Speaker 3: hard lessons from camp Way.

689
00:34:37,560 --> 00:34:42,520
Speaker 1: Yeah, you know, I I believe in people having like

690
00:34:42,560 --> 00:34:45,640
Speaker 1: a particular mission for their life. Like you know, my

691
00:34:46,280 --> 00:34:49,080
Speaker 1: mission for my life is to create content and opportunities

692
00:34:49,120 --> 00:34:52,920
Speaker 1: to help black people realize entrepreneurial success beyond their wildest

693
00:34:52,960 --> 00:34:55,600
Speaker 1: dreams and not that you have a statement like that,

694
00:34:56,080 --> 00:34:58,919
Speaker 1: but you know, I believe that you're passionate having known

695
00:34:58,960 --> 00:35:01,880
Speaker 1: you that you're passionate generational wealth and whatever you do

696
00:35:01,960 --> 00:35:04,799
Speaker 1: will be helping black people figure out how they build

697
00:35:04,880 --> 00:35:09,719
Speaker 1: generational wealth. Can you talk more about your passion and

698
00:35:09,800 --> 00:35:13,200
Speaker 1: what whatever we find she in doing in a year,

699
00:35:13,280 --> 00:35:15,200
Speaker 1: two years, five years, she's going to be doing something

700
00:35:15,200 --> 00:35:17,840
Speaker 1: to tackle this issue. And so if it is generational,

701
00:35:17,840 --> 00:35:20,440
Speaker 1: will just say more about why it's so important to you.

702
00:35:21,400 --> 00:35:26,760
Speaker 2: Yeah, there's a there's a mean, mean note whatever that's

703
00:35:26,800 --> 00:35:29,480
Speaker 2: been floating around on social media, and it says generational

704
00:35:29,480 --> 00:35:33,759
Speaker 2: wealth starts with the one risk taker. So if for me,

705
00:35:33,840 --> 00:35:37,680
Speaker 2: if there's a mission, there's one thing that everything I

706
00:35:37,760 --> 00:35:44,000
Speaker 2: do lies within that, it is showing people honestly, regardless

707
00:35:44,040 --> 00:35:53,000
Speaker 2: of raged gender, guographical location, whatever your background, whatever your circumstances,

708
00:35:53,360 --> 00:35:55,640
Speaker 2: you can meet that one that makes a difference. Like

709
00:35:55,920 --> 00:35:58,160
Speaker 2: for me, that's everything I do kind of lies within that.

710
00:35:58,600 --> 00:36:00,560
Speaker 2: So whether that is generational wealth, when you've been the

711
00:36:00,600 --> 00:36:02,080
Speaker 2: one that takes your family from.

712
00:36:02,000 --> 00:36:05,319
Speaker 3: One from A to B or A to Z, whether

713
00:36:05,400 --> 00:36:05,919
Speaker 3: that is you can.

714
00:36:05,880 --> 00:36:08,279
Speaker 2: Come up technical founder and nobody in your family has

715
00:36:08,320 --> 00:36:08,960
Speaker 2: ever done tech.

716
00:36:09,640 --> 00:36:11,120
Speaker 3: Uh, that's great.

717
00:36:11,320 --> 00:36:15,120
Speaker 2: Whether it is you leaving your hometown and moving somewhere else,

718
00:36:15,120 --> 00:36:16,799
Speaker 2: I don't care if you know what to be an accountant, but.

719
00:36:16,800 --> 00:36:19,560
Speaker 3: You took a chance. And when it's so different like

720
00:36:19,760 --> 00:36:20,759
Speaker 3: for me, that's it.

721
00:36:22,120 --> 00:36:25,800
Speaker 1: Sheena Allen, it's so good to be with you. Goodness

722
00:36:25,800 --> 00:36:26,279
Speaker 1: see with her.

723
00:36:27,080 --> 00:36:28,480
Speaker 3: Thank you for having.

724
00:36:28,200 --> 00:36:33,240
Speaker 1: Me, absolutely absolutely. Black Tech Green Money is a production

725
00:36:33,320 --> 00:36:36,440
Speaker 1: of Blavity afro Tech. It's a black effect podcast networking

726
00:36:36,520 --> 00:36:39,000
Speaker 1: night Hire Media. It's produced by Morgan Debonne and me

727
00:36:39,440 --> 00:36:42,880
Speaker 1: Well Lucas, with the digital production support by Kate McDonald,

728
00:36:42,960 --> 00:36:45,760
Speaker 1: say Erg and Kadi McGee. Special thank you to Michael

729
00:36:45,800 --> 00:36:48,040
Speaker 1: Davis and Love Beach. Learn more about My Guess and

730
00:36:48,080 --> 00:36:52,000
Speaker 1: other tech disruptors. An Innovator's afrotech dot Com. Video version

731
00:36:52,040 --> 00:36:54,080
Speaker 1: of this episode will drop to Black Tech Gree Money

732
00:36:54,120 --> 00:36:57,120
Speaker 1: on YouTube. Some tap it. Enjoy your Black Tech Dree

733
00:36:57,160 --> 00:37:01,680
Speaker 1: money Share. This is somebody get your money. Peace and love,