WEBVTT - A Transformational You 0:00:00.200 --> 0:00:03.440 Welcome the Money and Wealth with John O'Briant, a production 0:00:03.680 --> 0:00:15.160 of the Black Effect Podcast Network and iHeartRadio. Hey Hey, 0:00:15.200 --> 0:00:17.560 it's John O'Brien and this is Money and Wealth on 0:00:17.720 --> 0:00:22.439 a Black Effect Network and iHeartRadio podcast series for twenty 0:00:22.520 --> 0:00:27.960 twenty five. This is the kickoff episode. This particular episode 0:00:28.400 --> 0:00:33.559 is called The Transformational You. That's right, The Transformational You 0:00:33.680 --> 0:00:39.240 is a pretty audacious title for a pretty bold time. 0:00:40.000 --> 0:00:42.920 In many ways, I've been preparing to do this podcast 0:00:42.960 --> 0:00:48.640 episode for the last twell thirty years, maybe thirty years plus, 0:00:48.640 --> 0:00:52.239 but certainly since I found it Operation Hope. So let 0:00:52.240 --> 0:00:57.200 me get into this. As you're walking or reflecting, or meditating, 0:00:57.320 --> 0:01:01.600 or making dinner or breakfast, or sure heading to work 0:01:01.680 --> 0:01:04.240 or heading home or on a jog, or do whatever 0:01:04.240 --> 0:01:07.759 it is you're doing while you're listening to your podcast, 0:01:09.240 --> 0:01:12.520 I want to give you something that you can tuck 0:01:12.560 --> 0:01:16.960 away in your spirit and pull out and energize your soul. 0:01:17.840 --> 0:01:19.840 There will be times where you're gonna be tested in 0:01:19.840 --> 0:01:22.400 twenty twenty five. There's gonna be a year of incredible 0:01:22.400 --> 0:01:26.959 opportunity and incredible challenges. Because rainbow is only follo storms. 0:01:27.400 --> 0:01:30.680 You cannot have a rainbow without a storm. First, it's 0:01:30.680 --> 0:01:35.400 actually a scientific fact. I want you to remember when 0:01:35.560 --> 0:01:38.240 things get tough, that success is going from failure to 0:01:38.280 --> 0:01:43.200 failure without loss of enthusiasm. Never ever, ever, ever, ever 0:01:43.280 --> 0:01:46.959 give up. You were born to win. God made you 0:01:47.120 --> 0:01:51.560 unique and special. There's eight billion some odd people in 0:01:51.600 --> 0:01:54.920 the world and no one just like you. He made 0:01:54.960 --> 0:01:58.520 you absolutely unique. No one has your eyes, no one 0:01:58.560 --> 0:02:03.080 has your finger press. You are completely unique. While would 0:02:03.080 --> 0:02:04.720 you want to be a copy of someone else? You 0:02:04.760 --> 0:02:09.000 want to model good behavior because a lot of success 0:02:09.080 --> 0:02:11.200 is good habits, and I'm going to teach you some 0:02:11.240 --> 0:02:13.639 good habits. I'll give you some cheat sheets from what 0:02:14.200 --> 0:02:17.400 I went through in my life coming up to go 0:02:17.440 --> 0:02:23.640 from the bottom quartile of the worst environments in Compon California, 0:02:23.680 --> 0:02:26.360 in south central Los Angeles, it's so called porous of 0:02:26.400 --> 0:02:29.040 the poor. We were so broke we couldn't pay attention. 0:02:30.080 --> 0:02:31.799 We were so poor we could afford the o R. 0:02:32.520 --> 0:02:34.760 We actually were not sustenance poor. In other words, we 0:02:34.760 --> 0:02:37.040 had a roof on the table, roof over our head, 0:02:37.040 --> 0:02:41.120 food on the table, and reasonable health care. My mother 0:02:41.200 --> 0:02:43.720 worked a job my dad. Mom and dad actually were 0:02:43.720 --> 0:02:46.200 prosperous at one point, but they got a divorce and 0:02:46.280 --> 0:02:48.919 my dad when he died, I ended up taking care 0:02:48.960 --> 0:02:51.320 of him. My mother worked the same job for thirty 0:02:51.360 --> 0:02:55.079 two years. Jannia Smith my dad, Johnny will Smith, both 0:02:55.080 --> 0:02:58.040 had a high school education, but one had the potential 0:02:58.080 --> 0:03:00.359 of becoming a millionaire. One did become a million in there, 0:03:00.919 --> 0:03:05.160 my mother, working an hourly job, became a millionaire before 0:03:05.240 --> 0:03:10.200 she passed away a million dollar net worth, making fifteen 0:03:10.240 --> 0:03:12.280 to eighteen dollars an hour. You can listen to her 0:03:12.639 --> 0:03:15.640 story in a special episode I did last year in 0:03:15.680 --> 0:03:18.760 twenty twenty four season of this podcast. Or you can 0:03:18.800 --> 0:03:22.919 also chronicle her story in my book Financial Literacy for All, 0:03:22.960 --> 0:03:25.320 which is now a bestseller. Please pick up your copy. 0:03:25.600 --> 0:03:27.720 I also talk about her and my dad in my 0:03:28.000 --> 0:03:30.680 From Nothing Story that was my fifth book, I Believe, 0:03:30.760 --> 0:03:37.160 which is also a bestseller. But they it's very important 0:03:37.200 --> 0:03:41.360 to recognize that my mom and dad they were broke, 0:03:42.040 --> 0:03:45.960 but they weren't poor. There's a difference between being broken 0:03:46.040 --> 0:03:51.400 being poor. Being broken's economic Being poor is a disabling 0:03:51.480 --> 0:03:55.080 frame of mind and a depressed condition of your spirit. 0:03:56.080 --> 0:03:59.920 And you must vow never ever ever to be poor again. 0:04:00.040 --> 0:04:04.480 Did you hear me? Please underscore this as my friend, 0:04:04.880 --> 0:04:07.800 God bless your soulways been promoted. Quincy Jones once told me, 0:04:07.880 --> 0:04:10.560 not one ounce of my self esteem depends on your 0:04:10.600 --> 0:04:14.680 acceptance of me. It wasn't a statement of being better 0:04:14.720 --> 0:04:18.880 than it was being equal to. You're not as good 0:04:18.920 --> 0:04:21.000 as your compliments. You're not as bad as your criticism 0:04:21.040 --> 0:04:23.200 as you are who you are, which is to say 0:04:23.200 --> 0:04:27.400 we're not human beings having a spiritual experience. Were spiritual 0:04:27.400 --> 0:04:34.120 beings having a human experience? And energy matters. Please listen 0:04:34.120 --> 0:04:38.200 to me. I want you to look at your environment. 0:04:39.080 --> 0:04:40.640 I want you to look around you and see who 0:04:40.680 --> 0:04:43.600 you hang around. And you've heard me say this before, 0:04:43.920 --> 0:04:46.440 but some things are worth repeating again. A lot of 0:04:46.480 --> 0:04:50.119 success is good habits. If you hang around nine broke people, 0:04:50.160 --> 0:04:53.800 you're going to be the tenth. And the opposite is 0:04:53.839 --> 0:04:59.280 also true. Why do people go to Harvard University or 0:04:59.360 --> 0:05:02.040 Yale or Prince and versus going to the state university 0:05:02.200 --> 0:05:04.760 or the community college? Even is it that the state 0:05:04.880 --> 0:05:11.680 university is so much less than these vaulted named universities 0:05:11.680 --> 0:05:14.440 I mentioned. No, in any cases, you're going to get 0:05:14.600 --> 0:05:17.520 an equivalent education at a state university, maybe even a 0:05:17.560 --> 0:05:24.800 better education. But your networks may be different your network. 0:05:24.880 --> 0:05:28.360 May you know, at Nebraska State or wherever you're having 0:05:28.360 --> 0:05:30.960 to be at Arizona State, you're going to have maybe incredible 0:05:31.040 --> 0:05:34.799 relationship capital in the state of Arizona in this example 0:05:34.839 --> 0:05:40.159 of an Arizona State, and you business with people you know, respect, 0:05:40.200 --> 0:05:42.640 reflect and understand who you have a relationships with. But 0:05:42.680 --> 0:05:46.800 if you go to a nationally known university, maybe even 0:05:46.839 --> 0:05:50.560 globally known, then your relationship capital is going to be 0:05:50.640 --> 0:05:57.719 in this example global as well. And so as they rise, 0:05:58.120 --> 0:06:00.440 if there's a possibility. So to you, it's a club, 0:06:01.080 --> 0:06:06.039 a country club, a golf club, a fraternity, a sorority, 0:06:06.200 --> 0:06:12.799 university graduating class. These are clubs. These are places of association. 0:06:12.880 --> 0:06:14.680 So I want you to watch who you associated with 0:06:16.279 --> 0:06:18.480 and understand that eagles don't fly in packs. You've never 0:06:18.520 --> 0:06:23.080 seen a flock of eagles. Eagles are high altitude birds. 0:06:25.360 --> 0:06:28.080 They don't feel that better than anybody else. They just 0:06:28.240 --> 0:06:31.400 know who they are. And buzzers are low altitude birds. 0:06:31.400 --> 0:06:33.800 Buzzers love packs. They're always player heating, they ever, but 0:06:33.880 --> 0:06:37.160 player congratulating always has something negative to say about somebody, 0:06:38.320 --> 0:06:44.120 and buzzers often shoot at eagles. And then you've got turkeys. 0:06:44.120 --> 0:06:47.960 Turkeys got wings and can't even fly. All they do 0:06:48.080 --> 0:06:52.400 is profile translation, trying to be something they are not. 0:06:54.960 --> 0:06:57.320 So I want you to watch your circle. I go 0:06:57.400 --> 0:07:00.719 through life consciously oblivious of most things around me because 0:07:00.720 --> 0:07:05.120 it just doesn't matter. I spent a lot of time, 0:07:05.920 --> 0:07:09.520 wasting a lot of time trying to impress people I 0:07:09.560 --> 0:07:11.320 didn't even want to be like when I grew up, 0:07:11.440 --> 0:07:13.320 and when you really thought about it, that four square 0:07:13.360 --> 0:07:17.120 block celebrity in your neighborhood that you're spending so much 0:07:17.160 --> 0:07:19.560 time trying to be like, not trying to be like, 0:07:19.640 --> 0:07:24.640 trying to impress so they like you, trying to get 0:07:24.640 --> 0:07:29.200 their attention, trying to be popular with them. Why do 0:07:29.200 --> 0:07:30.640 they have a job that you want and they have 0:07:30.640 --> 0:07:33.520 a career that you wanted. They're a partnership, a partner 0:07:33.520 --> 0:07:35.880 that you want, that they have an aspirationial life that 0:07:35.920 --> 0:07:38.800 you want, and they traveling the world? Are they whatever 0:07:38.840 --> 0:07:44.200 your definition of success is. Probably not. They may be 0:07:44.280 --> 0:07:49.240 a definition of cool that twenty years later will only 0:07:49.280 --> 0:07:53.720 make them a fool. A lot of people who I 0:07:53.720 --> 0:07:57.640 grew up with, who I thought were cool, who tease me, 0:07:58.600 --> 0:08:04.840 demean me, player hated me. Even it's a phrase from 0:08:04.840 --> 0:08:08.760 the neighborhood twenty thirty years later, trying to get a 0:08:08.840 --> 0:08:11.840 job from me, trying to get a contract from me, 0:08:13.360 --> 0:08:16.960 because the looks will fall away. The coolness does not 0:08:17.040 --> 0:08:20.520 pay a bill, and they didn't have a skill that 0:08:20.600 --> 0:08:23.400 they could rely on for the rest of their lives. 0:08:24.560 --> 0:08:27.440 I spent my time focusing on that skill, focusing on 0:08:27.560 --> 0:08:32.400 becoming the best version of me possible. I also became, 0:08:33.000 --> 0:08:38.560 unbeknownst to myself, resilient because I ignored the noise. Again, 0:08:39.280 --> 0:08:41.959 it's not what you answered, it's not what you call me. 0:08:42.000 --> 0:08:43.920 It's what I answer to you that's important. And I 0:08:44.040 --> 0:08:49.120 argue with a fool proves there are two. You know. 0:08:49.240 --> 0:08:50.760 Somebody once said, you don't want to be in an 0:08:50.800 --> 0:08:54.320 argument with a fool because the people passing by, who 0:08:54.360 --> 0:08:58.120 may be importantly you don't. I cannot differentiate one from 0:08:58.160 --> 0:09:12.240 the other. So let's now move from what you don't 0:09:12.240 --> 0:09:15.720 want to what you do want. And you really don't 0:09:15.720 --> 0:09:18.880 want the drama, you really don't want the toxicity. And 0:09:18.920 --> 0:09:20.959 I'm going to tell you why you can't afford it either. 0:09:24.080 --> 0:09:26.480 How do I say this, Well, let me do it directly. 0:09:27.559 --> 0:09:30.640 Thirty years ago, when I found an operation Hope as 0:09:30.679 --> 0:09:34.320 the first non fropit social investment banking organization in America. 0:09:35.559 --> 0:09:38.280 I really thought at that time that it was going 0:09:38.360 --> 0:09:42.079 to be transformational. I didn't know how or didn't know why. 0:09:42.120 --> 0:09:44.280 I just thought it was going to be transformational. And 0:09:44.320 --> 0:09:48.400 I had a hunch that even then the color wasn't 0:09:48.480 --> 0:09:51.520 the issue before us in our generation was not going 0:09:51.559 --> 0:09:54.800 to be black or white. Race primarily. Racism is real. 0:09:54.840 --> 0:09:57.480 I'm not saying it's not real, but it won't be 0:09:57.520 --> 0:10:01.640 the primary issue. The issue won't be politics Republican a Democrat. 0:10:01.640 --> 0:10:03.960 I know that's hard to believe in the current environment, 0:10:04.000 --> 0:10:07.960 but that won't be your primary impediment. It's not going 0:10:08.000 --> 0:10:09.599 to be black and white, redder blue. It's going to 0:10:09.640 --> 0:10:15.480 be green economics. This was going to be the defining 0:10:15.600 --> 0:10:19.920 thing of this century issued a century. And if that's true, 0:10:20.800 --> 0:10:24.880 that would mean that things like financial literacy, which was 0:10:25.400 --> 0:10:28.320 something that was pioneered by Abraham Lincoln and Frederick Douglas 0:10:29.000 --> 0:10:33.480 after the Civil War of eighteen sixty five and signed 0:10:33.520 --> 0:10:36.679 in the law with the Freedman's Bank March third, eighteen 0:10:36.720 --> 0:10:40.160 sixty five. And I'm the only American citizen that ever 0:10:40.240 --> 0:10:42.520 triggered and inspired the renaming of a building on the 0:10:42.559 --> 0:10:45.040 White House campus, a Freedman's Bank building, with my friend 0:10:45.080 --> 0:10:51.560 of Wally Idiyamo and others helped to make real at 0:10:51.559 --> 0:10:56.839 the Treasury Department during the Obama administration and to this 0:10:57.000 --> 0:10:59.839 day is called the Freedman's Bank building. That bank was 0:11:00.000 --> 0:11:02.480 starting to teach free slaves about money, that's financial literacy 0:11:02.800 --> 0:11:07.920 circa eighteen sixty five. So I thought that this unfinished work. 0:11:07.960 --> 0:11:10.160 Abraham Lincoln was assassinated a month after he signed it 0:11:10.240 --> 0:11:12.319 in the law, and here comes doctor King. So that 0:11:12.440 --> 0:11:15.600 called that the first reconstruction, from the fields of slavery 0:11:15.640 --> 0:11:20.600 to the streets of freedom, the fields of freedom, the factories, 0:11:21.400 --> 0:11:27.520 the job, the opportunity for basically freedom of choice. Then 0:11:27.520 --> 0:11:34.599 the second reconstruction was really from those fields into the 0:11:34.920 --> 0:11:40.080 field of exploration of access literally to the factory jobs 0:11:40.160 --> 0:11:43.480 and to access to public facilities and the voting booth. 0:11:43.559 --> 0:11:45.720 And that was a civil rights movement, a second reconstruction 0:11:46.320 --> 0:11:48.599 which doctor King and my mentor Ambassador Andrew Young, that 0:11:48.760 --> 0:11:52.760 movement they led, and that's what we call civil rights right, 0:11:53.480 --> 0:11:57.200 and that was led centered in government as the central 0:11:57.280 --> 0:12:01.160 element for change, and doctor King dealt with love and 0:12:01.440 --> 0:12:06.000 hate very pointedly. People said they even left it or hated. 0:12:06.080 --> 0:12:07.840 They made it very clear where they stood. Doctor King 0:12:07.880 --> 0:12:10.440 only had twenty percent of the black community support as 0:12:10.520 --> 0:12:13.160 high twenty percent of the white community support at his height, 0:12:13.240 --> 0:12:15.319 and half of the white community for it was Jewish. 0:12:16.520 --> 0:12:19.240 Most people set on their hands, they were indifferent. They said, 0:12:19.320 --> 0:12:21.880 not my problem. And even with that, by the way, 0:12:22.080 --> 0:12:24.199 give you a point of inspiration. Is five percent of 0:12:24.320 --> 0:12:26.880 role models, just five percent of role models. The book 0:12:26.880 --> 0:12:30.240 The Tipping Point Malcolm glad World University of Illinois study. 0:12:30.760 --> 0:12:33.800 The book Malcolm Gladwell's book The Tipping Point, you should 0:12:33.800 --> 0:12:36.120 read it. The University of Illinois study proved that at 0:12:36.200 --> 0:12:39.920 five percent of all role models, five percent positive role models, 0:12:40.360 --> 0:12:46.200 every community stabilized. Look at the black and brown community. 0:12:46.240 --> 0:12:50.240 It's my podcasts for everybody, but I'm hyper focusing on 0:12:50.480 --> 0:12:53.400 the black community because we're the only ones enslaved in 0:12:53.480 --> 0:12:57.079 American soil. And our self esteem was destroyed and ideal 0:12:57.160 --> 0:12:59.319 with that, with the five pillars of success from a 0:12:59.440 --> 0:13:04.040 book up from nothing, our self esteem was destroyed. Even 0:13:04.080 --> 0:13:06.600 though we had high confidence because we're competent, we had 0:13:06.679 --> 0:13:10.880 low self esteem because people convinced us we were a thing, 0:13:11.520 --> 0:13:14.520 or at least tried to. And we're now repairing that, 0:13:14.640 --> 0:13:16.880 we're healing that. So if I don't like me, I'm 0:13:16.880 --> 0:13:18.360 not going to like you. I don't feel good about me, 0:13:18.360 --> 0:13:19.720 I'm not going to feel good about you. I don't 0:13:19.720 --> 0:13:22.240 respect me, don't expect me to respect you. If I 0:13:22.280 --> 0:13:23.920 don't have a purpose in my life, I'll make your 0:13:23.960 --> 0:13:27.480 own life. I'm living in hell. Whatever goes around comes around. 0:13:29.320 --> 0:13:34.520 So had to repair self esteem. But when you look 0:13:34.600 --> 0:13:36.880 at the third reconstruction, which I believe started with George 0:13:36.920 --> 0:13:39.679 Floyd's murder in the pandemic twenty twenty, and we'll go 0:13:39.760 --> 0:13:43.480 to twenty thirty, give or take. I believe, and I 0:13:43.559 --> 0:13:45.880 think this is social justice to an economic lens. I 0:13:45.920 --> 0:13:48.120 think this is about economic opportunity for all. Believe the 0:13:48.200 --> 0:13:51.560 color is green. There's something else that came along with that, though. 0:13:52.520 --> 0:13:58.120 Really the pulling back the draperies on the real challenge, 0:13:58.160 --> 0:14:03.400 which is class and often race baiting is a placeholder. 0:14:04.360 --> 0:14:10.240 Race diminishing, racism is a placeholder. It's a convenient distraction 0:14:10.600 --> 0:14:16.199 for what people really after, which is class differentiation. And 0:14:18.240 --> 0:14:21.560 I'm better than you in whatever nectar you want to 0:14:21.600 --> 0:14:25.560 describe it puts me if I succeed in the vision 0:14:25.600 --> 0:14:28.200 that puts me further ahead in the line, which allows 0:14:28.280 --> 0:14:31.960 me to get more economic opportunity than you. There's redlining 0:14:32.040 --> 0:14:35.000 and all these things that happen as a result of that. 0:14:36.560 --> 0:14:38.920 I was perceived in one way in a positive light. 0:14:39.000 --> 0:14:41.800 You're perceived another late in less another light, in less 0:14:41.880 --> 0:14:45.600 positive way. Right. So I'll do with all these in 0:14:45.720 --> 0:14:48.680 my masterclass in not twenty twenty five. I'll unpack all 0:14:48.800 --> 0:14:52.600 these things. I'm an unpack what God is here, what's 0:14:52.600 --> 0:14:54.400 holding us back? And how do we move forward in 0:14:54.480 --> 0:14:57.760 a positive way? Right? Because I believe there's enough poverty 0:14:57.800 --> 0:15:00.240 to go around. There's only to argue and compete about 0:15:00.240 --> 0:15:02.560 that of your nonprofit. We should all be working together 0:15:02.720 --> 0:15:05.120 to try to lift everybody up. And there's enough room 0:15:05.160 --> 0:15:07.400 in a success table because you want to expanding the 0:15:07.480 --> 0:15:09.920 table and adding a chair. So nobody should do insecure 0:15:10.440 --> 0:15:13.760 because blacks and browns and Latinos of women, poor whites 0:15:13.840 --> 0:15:17.960 or whoever are succeeding, our middle class people become upper 0:15:18.040 --> 0:15:20.680 class again. I've gone from the bottom court till all 0:15:20.760 --> 0:15:22.960 poverty in this country to the top one percent. As 0:15:22.960 --> 0:15:25.920 I was saying earlier, in one generation and if I 0:15:26.000 --> 0:15:27.960 did that right, did that legally? I brought people up, 0:15:28.000 --> 0:15:31.440 of created employees, of created wealth, of created tax base. 0:15:31.480 --> 0:15:36.440 I've paid my taxes, I employed people. I've created opportunities 0:15:36.520 --> 0:15:39.160 for others as I've come up. I've built a ladder 0:15:39.200 --> 0:15:42.520 that other people can follow. I've done well and done good. 0:15:43.320 --> 0:15:45.480 Good capitalism is where I've benefit and you benefit more. 0:15:45.640 --> 0:15:47.920 Bad capitalism is where I do benefit, where I've benefit 0:15:47.960 --> 0:15:49.560 and you pay a price for it. I'm talking about 0:15:49.600 --> 0:15:53.760 good capitalism. So no one should feel insecure about my 0:15:53.840 --> 0:15:57.880 success or yours. They should applaud it. I've said that 0:15:58.800 --> 0:16:02.680 if blacks succeed legitly in this country, even the racist wins, 0:16:02.840 --> 0:16:07.520 because all boats rise. Let's get back to why I 0:16:07.680 --> 0:16:11.360 had an epiphany thirty two years ago, because if what 0:16:11.520 --> 0:16:14.920 I just said is correct, and if the seas of 0:16:15.240 --> 0:16:18.880 transformational change have shifted, then the issue is primarily not 0:16:19.040 --> 0:16:21.440 lover hate. It's doctor King, dealt with and Andrew Young, 0:16:21.560 --> 0:16:24.080 my mentor doctor Dorothy Heyden cretits got King and all 0:16:24.080 --> 0:16:26.920 these heroes and heroes, and even going back to the 0:16:26.960 --> 0:16:30.600 first reconstruction, that was well, that was class structured primarily, 0:16:30.680 --> 0:16:33.320 but it was it was it was sort of massed 0:16:33.680 --> 0:16:36.720 in love and hate racism. I mean, slavery was about money. 0:16:37.080 --> 0:16:39.040 I do a whole podcast about that. It was it 0:16:39.120 --> 0:16:42.880 was primarily an economic exploitation situation. Okay, it's about money. 0:16:42.920 --> 0:16:44.400 I need get people who work for free, build a 0:16:44.440 --> 0:16:48.280 country for free. So what I'm saying now, though, is 0:16:48.440 --> 0:16:51.400 the issue is not lover hate, it's radical indifference. Please 0:16:51.440 --> 0:16:55.840 hear me, because now minute seventeenth mark of this podcast, 0:16:56.320 --> 0:16:58.680 I'm about to talk about what it's going to take 0:16:58.720 --> 0:17:02.120 for you to become the transformation know you Again, this 0:17:02.240 --> 0:17:04.480 works for anybody, but it's going to really work for 0:17:04.560 --> 0:17:08.159 African Americans and Latinos and people of color because when 0:17:08.400 --> 0:17:11.199 when when Mason America has a headache, Black and Browns 0:17:11.200 --> 0:17:16.399 have pneumonia, Okay they're sick, but we're really sick. It 0:17:16.480 --> 0:17:19.960 could kill us. And I want you to get this 0:17:20.040 --> 0:17:22.920 success format. I want you to understand that initially everybody 0:17:23.000 --> 0:17:24.520 may not see it, or it may not you know, 0:17:24.600 --> 0:17:26.200 they see it. They may not acknowledge them because they're 0:17:26.320 --> 0:17:29.840 insecure about your success and may players hate it, maybe 0:17:30.320 --> 0:17:32.560 challenged or threatened by it. First they will to ignore you. 0:17:33.840 --> 0:17:36.520 Then they will criticize you if you keep at it. 0:17:37.240 --> 0:17:39.880 Then you'll win. First they will ignore you, then they'll 0:17:39.920 --> 0:17:43.840 criticize you, and you keep at it, and then you win. 0:17:44.600 --> 0:17:47.879 Never ever, ever, ever, ever, ever ever give up. But 0:17:48.000 --> 0:17:50.280 if the issue is radical and difference, then somebody does 0:17:50.359 --> 0:17:53.600 not care them about you to hate you. Let me 0:17:53.680 --> 0:18:01.560 give you some signals about this. Private communities, private private security, 0:18:01.720 --> 0:18:12.520 gated gated communities, private clubs, private homesteads, private transportation, private security, 0:18:13.760 --> 0:18:16.959 starting to get it, and they're popping up all across 0:18:17.000 --> 0:18:20.200 this country, popping off all around the world. People just differentiate. 0:18:20.240 --> 0:18:22.399 They're just saying, look, if you want to tear yourself up, 0:18:22.400 --> 0:18:23.840 if you want to blow yourself up, if you want 0:18:23.880 --> 0:18:27.160 to destroy your own community, I don't care. They're saying 0:18:27.200 --> 0:18:31.240 that that's your business. I'm not saying it's right. I'm 0:18:31.240 --> 0:18:34.120 telling you this as to what when religion falls away, 0:18:34.160 --> 0:18:38.880 when spirituality gets diminished, then people start making the decisions 0:18:38.880 --> 0:18:41.920 that are more transactional and more selfish in nature. And 0:18:41.960 --> 0:18:44.280 we've got to get our spirituality back. But that is 0:18:44.920 --> 0:18:47.879 a fight for another The other day, I'm trying to 0:18:47.960 --> 0:18:51.280 make sure that you have the tools you need to 0:18:51.600 --> 0:18:56.119 compete and succeed in the current environment. And I believe 0:18:56.200 --> 0:19:01.280 the current environment political, economic, social, society, cultural, et cetera. 0:19:01.480 --> 0:19:04.440 Your fere this is a future. It's common for you now, Okay, 0:19:05.040 --> 0:19:09.560 I believe the current environment supercharged by an overlay of 0:19:10.080 --> 0:19:14.720 technology and artificial intelligence that will aid in a bet 0:19:15.280 --> 0:19:21.320 progress for progress's sake, it would be progressed at the 0:19:21.440 --> 0:19:24.880 speed of light. As doctor King said, the world's moving 0:19:24.920 --> 0:19:27.040 at as jet like speed. In America is moving at 0:19:27.080 --> 0:19:29.720 horse and buggy pace. When it came to social progress, 0:19:29.800 --> 0:19:33.880 we are at this inflection point again. But back then 0:19:34.160 --> 0:19:37.240 he can make a moral case and people listened. There's 0:19:37.240 --> 0:19:38.840 a whole bunch of reasons for that, and whether the 0:19:38.880 --> 0:19:40.960 moral case worked and all that. We won't get into 0:19:41.000 --> 0:19:44.080 that in this podcast. But for a range of reasons, 0:19:44.119 --> 0:19:48.280 I'm telling you that people are increasingly disconnecting from your 0:19:48.800 --> 0:19:52.840 success or your failure. It's not lever hate. It's just 0:19:52.920 --> 0:19:56.520 in difference, just shrugging their shoulders, not my problem. And 0:19:56.720 --> 0:20:00.000 until we can get everybody back on the same page, 0:20:00.000 --> 0:20:03.280 agent realize we're better together. You might be on your 0:20:03.320 --> 0:20:08.120 own for a minute. Okay, Now, there are some benefits 0:20:08.160 --> 0:20:10.320 to being on your own, as you can get yourself right. 0:20:12.240 --> 0:20:14.600 Nobody's coming to say to you as a great wake 0:20:14.680 --> 0:20:19.480 up call. You don't you realize you cannot subcontract your democracy, 0:20:19.560 --> 0:20:21.680 or your freedom or your opportunity. You realize you have 0:20:21.760 --> 0:20:24.280 to vote, and you got to be a stakeholder. Otherwise 0:20:24.280 --> 0:20:26.320 there's no stake in what you're looking for, so you 0:20:26.400 --> 0:20:30.280 tend not to vote. You understand that nobody watches rental cars. Okay, right, 0:20:30.320 --> 0:20:32.560 you got to own something and that starts with owning 0:20:32.920 --> 0:20:35.760 your self. So I want you to become Please write 0:20:35.800 --> 0:20:37.480 this down now. This is the most important I'm going 0:20:37.560 --> 0:20:40.199 to say in the first twenty minutes of this podcast. 0:20:40.200 --> 0:20:41.880 And I'm not getting now, I'm getting to the meat 0:20:42.000 --> 0:20:47.000 of the matter. I want you to become obsessed with 0:20:47.160 --> 0:20:53.040 becoming reasonably comfortable in your own skin. Obsessed. This is 0:20:53.080 --> 0:20:55.639 your primary asset. That's why this is a money and 0:20:55.760 --> 0:21:00.280 wealth podcast. Yes, but you are the product. Okay, please 0:21:00.320 --> 0:21:02.800 hear me. And I want you to become obsessed with 0:21:02.960 --> 0:21:06.240 becoming reasonably comfortable in your own skin. Because when you 0:21:06.480 --> 0:21:08.400 like you, you can love somebody like somebody else. When 0:21:08.400 --> 0:21:10.480 you love you, you can love somebody else. When you're 0:21:10.480 --> 0:21:12.680 comfortable with you, you're comfortable with everybody else. And see 0:21:12.680 --> 0:21:15.640 how that works. And the opposite, unfortunately, is also true. 0:21:15.680 --> 0:21:18.120 Whether you're insecure, you're going to be insecure about others. 0:21:18.119 --> 0:21:20.040 If you hate yourself, you're going to hate other people. 0:21:20.119 --> 0:21:21.639 If you don't like yourself, it's to be hard for 0:21:21.680 --> 0:21:24.040 you don't like somebody else, and you don't love yourself, 0:21:24.119 --> 0:21:26.040 how do you understand how to love somebody else? And 0:21:26.160 --> 0:21:29.760 so on and so forth. The most dangerous person world 0:21:29.840 --> 0:21:31.240 is a person with no hope. So I want you 0:21:31.359 --> 0:21:33.840 to learn to become reasonably comfortable in your own skin. 0:21:33.880 --> 0:21:36.320 I'm going to literally give you a prescription for that 0:21:36.440 --> 0:21:38.600 here in a moment. I want you to heal from 0:21:38.640 --> 0:21:42.360 the hurt of your eighteen year old self. Heal from 0:21:42.440 --> 0:21:46.280 the hurt of your eighteen year old or your fifteen 0:21:46.359 --> 0:21:48.320 year old, or your twelve year old, or your eight 0:21:48.440 --> 0:21:50.720 year old or your five year old self, whatever that 0:21:50.840 --> 0:21:54.199 pain is. I want you to become focused on healing 0:21:54.359 --> 0:21:59.320 from that thing and becoming a new version. I'm a new, 0:21:59.359 --> 0:22:14.840 powerful version of your newfound self. I want you to 0:22:14.920 --> 0:22:16.880 understand that you might be broke, but you're not poor. 0:22:18.760 --> 0:22:23.479 That God made you unique and powerful and special and different, 0:22:23.880 --> 0:22:28.280 and he made you to win. I want you to 0:22:28.359 --> 0:22:31.280 learn to manage all kinds of things coming at you 0:22:31.440 --> 0:22:35.040 in an age of radical indifference. I want you to 0:22:35.080 --> 0:22:38.080 see opportunity everywhere. There's one hundred trillion dollars worth of 0:22:38.160 --> 0:22:41.080 opportunities coming your way. I'll cover this in the future podcast. 0:22:41.160 --> 0:22:45.200 One hundred trillion dollars of economic opportunity coming your way 0:22:45.280 --> 0:22:47.120 and no one's paying attention to it. And I'm gonna 0:22:47.119 --> 0:22:49.359 give you the roadmap in future episodes of how to 0:22:49.480 --> 0:22:52.359 get at it yourself. It's gonna be easy to go 0:22:52.480 --> 0:22:55.879 after a thirty million dollar opportunity in the next few years, 0:22:55.920 --> 0:22:58.439 the next ten years, sure than it is to going 0:22:58.480 --> 0:23:01.800 after a twenty dollars toller opportunity. Yes, I said that. 0:23:02.240 --> 0:23:05.440 Easier to go after twenty million dollars. That an opportunity 0:23:05.560 --> 0:23:07.760 the way I'm going to tell you how to pursue it, 0:23:07.840 --> 0:23:10.280 then going after a twenty thousand or twoitive thousand dollars 0:23:10.320 --> 0:23:16.640 start up opportunity. But we'll get to that in successive episodes. 0:23:16.680 --> 0:23:19.920 Tell all your friends to follow this episode series for 0:23:20.000 --> 0:23:24.560 twenty twenty five. I want you to become obsessed. This 0:23:24.920 --> 0:23:29.159 is why I became absolutely focused on financial literacy. I 0:23:29.200 --> 0:23:31.160 believe it's a civil rights issue. Of this generation. That's 0:23:31.160 --> 0:23:32.800 why I think it's one of the most radical thing 0:23:32.840 --> 0:23:36.440 I could do was to teach you financial literacy. And 0:23:36.560 --> 0:23:39.080 now I think that financial literacy is a civil rights 0:23:39.119 --> 0:23:44.800 issue of this generation. And I believe that AI literacy, 0:23:44.960 --> 0:23:49.960 artificial intelligence AI literacy is the silvi rights issue of 0:23:50.000 --> 0:23:51.440 this generation. And I want you to go from the 0:23:51.480 --> 0:23:55.560 streets to the suites, from the streets to the business suites. 0:23:55.600 --> 0:23:57.399 I want you to cut deals. I want you to 0:23:57.960 --> 0:23:59.680 be get on that aspiracial ladder. I want you to 0:23:59.760 --> 0:24:02.240 be the aspiration generation that I know you can be. 0:24:03.000 --> 0:24:05.840 But you're gonna have to be obsessively focused on from 0:24:05.880 --> 0:24:09.399 a technical perspective, financial literacy because we live in and 0:24:09.600 --> 0:24:14.960 we live in, an economic democracy, a capitalist democracy. The 0:24:15.119 --> 0:24:17.520 United States of America, the largest economy in the world, 0:24:17.600 --> 0:24:21.040 the sold superpower in the world, is a capitalist democracy, 0:24:22.000 --> 0:24:26.000 a free enterprise democracy. Please hear me. And if you 0:24:26.080 --> 0:24:29.360