Speaker 1: Welcome to We Talk Back Podcast, the production of iHeartRadio
Speaker 1: and the Black Effect Network Talk Talk.
Speaker 2: So we're just two unapologetically black women with an opinion
Speaker 2: who talks.
Speaker 1: What's up y'all? Thank you for tuning in for a
Speaker 1: new episode of We Talk Back and show dedicated to
Speaker 1: you Dreamers and chases for Real today because we're talking money,
Speaker 1: big money. What's up?
Speaker 2: Tam damn Hey, y'all. I love y'all, I love you AJ.
Speaker 2: How you doing, girl?
Speaker 1: I'm well hot, sweating, it's metabolizing, it's rigging coffee.
Speaker 2: I listened. I couldn't even go to get my coffee
Speaker 2: because it's four elevators in my building and only one
Speaker 2: of them is working. So I was out there waiting
Speaker 2: there with my cup to go get my coffee, and
Speaker 2: I stood there for like seven minutes, and I was like,
Speaker 2: you know what, it's gonna take seven minutes to get
Speaker 2: back up, and I ain't got that kind of time.
Speaker 2: So I don't even have no damn coffee this morning.
Speaker 2: I'm pissed off.
Speaker 1: I hell, you got one elevator working in that big
Speaker 1: ass building.
Speaker 2: That's why forty two floors and one elevator is insane.
Speaker 1: Trip I need a discount. You know, black people be
Speaker 1: looking for a discount, and I rent every shit, one
Speaker 1: little thing broken. They ain't come fix it today, discount. Listen,
Speaker 1: go take time off my rent.
Speaker 2: My shit is boxed up and going out of this
Speaker 2: bitch on Tuesday. So y'all better have at least a
Speaker 2: freight elevator working by Tuesday. God damn bye bye period.
Speaker 2: So you spent your weekend packing, Yes, I am surrounded
Speaker 2: by boxes, but I'm almost done. All I gotta do
Speaker 2: is pack the stuff that I'm going to be living
Speaker 2: out of, like my clothes and my toilet trees that
Speaker 2: I'm just going to be living out of for the
Speaker 2: next two months because I essentially will be homeless for
Speaker 2: the next two months.
Speaker 1: You guys don't say that, y'all.
Speaker 2: Well, not homeless, but I don't have like a I
Speaker 2: won't have a permanent address.
Speaker 1: I was just like, yeah, you know, I've been like
Speaker 1: that for a year's shot, and I still like, like,
Speaker 1: I don't have a permanent address, okay, post office box me.
Speaker 1: I don't like people to know where I'm at for real, nobody.
Speaker 2: This is different for me. This is definitely a new
Speaker 2: space that I'm in it's very giving, very much midlife crisis.
Speaker 1: Fuck it, you're happy, yeah, you just you never fucking know.
Speaker 1: I ain't do much this weekend. I just hung out,
Speaker 1: chill out. I'm really like sitting still for the most part,
Speaker 1: so I've been chilling out, it rained all weekend.
Speaker 2: I want to Oh, I did it look at some cats?
Speaker 1: Oh did you find one man? None of them motherfuckers
Speaker 1: liked me. You know, cats pick people.
Speaker 2: Yeah, they gotta pick you. Yeah, they can't pick you. Yeah.
Speaker 1: Since Bella died in two thousand and two, Now I
Speaker 1: just haven't.
Speaker 2: Two yes, two thousand and two, excuse me, two thousand
Speaker 2: and one, Bella in twenty one.
Speaker 1: Yes, July twenty twenty one, you.
Speaker 2: Said two thousand and one, saying no, oh oh, not
Speaker 2: two thousand and two.
Speaker 1: Y'all know what I mean. A couple of years ago. Anyway,
Speaker 1: So I'm still not over the death of my dog. Okay,
Speaker 1: she has stole my screensaver on my cell phone, so
Speaker 1: I don't know if I want to replace her, but
Speaker 1: I need something.
Speaker 2: Well something you're not replaced.
Speaker 1: That is replacing her. That's how it feels.
Speaker 2: Yes, you need to talk to somebody about that because
Speaker 2: you can't replace her. She'll never be replaced. You just
Speaker 2: adding a new family member, That's what it is.
Speaker 1: So it's either a bird, a cat, or another puppy.
Speaker 1: That's where I'm at. I need something.
Speaker 2: I really think you should get a cat, because the
Speaker 2: amount of cat videos you shared with me in the
Speaker 2: past two years is ridiculous.
Speaker 1: Yeah, but so they put these two kittens in the
Speaker 1: room with me and they just was not fucking with me.
Speaker 1: So I'm like, and my homegirl, she was like, it's
Speaker 1: some street cats over by my husband mama house. But
Speaker 1: they wasn't cute, so I'm not about to go.
Speaker 2: You went over there to look.
Speaker 1: No, No, she had pictures of them because she said
Speaker 1: they just walked up on her and our kids. But
Speaker 1: I don't want a cat from the SPCA. I think
Speaker 1: I'm gonna buy me a rag doll kitten. I've been looking.
Speaker 1: I just ain't trying to spend on fucking thirty five
Speaker 1: hundred dollars. I need dollar cat. Yes, five to nine
Speaker 1: hundred five to one thousand dollars. That is my max.
Speaker 2: All these cases outside.
Speaker 1: Girl, I don't want no fucking random ass cat with
Speaker 1: personality disorder. I'm good, Okay, I need me like a
Speaker 1: pure bread, cute, fliffy teddy bear cat that acts like
Speaker 1: a dog. Okay, that's a lot. So I read that
Speaker 1: rag dolls are the closest thing to a dog. They
Speaker 1: act kind of like dogs. You can walk them and
Speaker 1: shit like that.
Speaker 2: So that's what you get.
Speaker 1: I don't know.
Speaker 2: Yeah, well that's nice. I think you should get one.
Speaker 2: I'll get a pet. Let's get in the sins. So
Speaker 2: social media has been in a little uproar because, uh,
Speaker 2: Jada way to post it a video and there's children
Speaker 2: in the video and she's partially nude, and people had
Speaker 2: a lot of negative things to say towards the video.
Speaker 2: The kids run and take her like she's like topless
Speaker 2: and they run and take her top and throw it
Speaker 2: in the water and stuff like that. And people were upset,
Speaker 2: Like one girl said, not butt naked with the kids
Speaker 2: with crying faces. What are your thoughts?
Speaker 1: I really don't have any thoughts on this. I come
Speaker 1: from a very naked fan, me too, very naked. And
Speaker 1: you know, just three women excuse me, four women in
Speaker 1: the house like naked. Yeah, my nephew, we have one
Speaker 1: boy in our immediate family. The nigga gets naked. I
Speaker 1: mean now because he's bigger, of course he's not about
Speaker 1: to just take clothes off in front of people. But
Speaker 1: when he was a kid, like as soon as you
Speaker 1: hit the door, like strip like for real. But I
Speaker 1: guess because it's advertisement for something in the way, people
Speaker 1: aren't uproar about it. Listen, these kids have access to
Speaker 1: We used to have to really look for corn. We
Speaker 1: used to have to really really look for but this
Speaker 1: shit is in kids' faces all day long. This is
Speaker 1: his mom. Okay, he sees her naked, she sees him
Speaker 1: naked all the time. And then for whatever reason, I
Speaker 1: don't understand why people don't when you wear a bikini,
Speaker 1: it's the same thing as bron Penny. It's the very
Speaker 1: same thing. People are on the beaches with don bikinis
Speaker 1: on all the time, with kids running around on the beach.
Speaker 1: People over sexual.
Speaker 2: That's what I was about to say. Our bodies are
Speaker 2: not just sex. Our bodies are not just sex. And
Speaker 2: I think we just see the sky looking at our
Speaker 2: bodies as just sexual objects all the time and realize
Speaker 2: that we're human beings and that we have bodies and
Speaker 2: this is just a part of it, you know. I
Speaker 2: don't think. I think we over sexualize everything. It was
Speaker 2: her son that came out of her body.
Speaker 1: Right, We're in a country where we are the most
Speaker 1: covered up, but we have the highest persons and engine
Speaker 1: rapes and sexual assault against women.
Speaker 2: I don't think we're.
Speaker 1: In comparison to other countries where people like.
Speaker 2: Like the Middle Easter, you can't even see them girls
Speaker 2: with their eyes.
Speaker 1: My point is there is still sexual assault amongst women
Speaker 1: with or without clothes on. That is my point, my
Speaker 1: only point. So it hasn't it just has nothing. One
Speaker 1: has nothing to do with the other. Okay, so people
Speaker 1: over sexualizing children, black women, Black women in particular are
Speaker 1: always over sexualized. Yes, I just don't think it was.
Speaker 1: It might have, I mean because I guess when you're
Speaker 1: creating something, you do have to think about what the
Speaker 1: people are going to think. Right, So in her mind
Speaker 1: it was okay, she because she doesn't have the mind
Speaker 1: of everybody else. I just send somebody a message on
Speaker 1: Instagram because for what I've been getting attacked by people
Speaker 1: for my views. Okay, so somebody message messy. Listen, there's
Speaker 1: nobody on this planet, you nor me that can say
Speaker 1: and do everything that that is appeasing to the collective.
Speaker 1: There's nobody that can say things perfectly or do things
Speaker 1: perfectly where nobody has a fucking problem. So my only
Speaker 1: job on this planet is to be my fucking self.
Speaker 1: Who whoever resonates with.
Speaker 2: It would be Okay, it's impossible to be sensitive to
Speaker 2: the plight of every human experience. There's no way to
Speaker 2: do it. There's no way to do it, So there's
Speaker 2: no reason to try because you will fail miserably. There's
Speaker 2: no way to do it. Just be yourself and be kind,
Speaker 2: and that's all you can do.
Speaker 1: And if there is somebody right that can do everything right,
Speaker 1: please believe they are being deceitful. Please believe they aren't
Speaker 1: being themselves with you. Okay, So I don't I mean,
Speaker 1: I would not have done the ad in that way,
Speaker 1: but hey, I don't see why she should be like
Speaker 1: star star stoned, tarred and feathered for it either.
Speaker 2: Right, I agree, because it wasn't like cocked open, you know,
Speaker 2: like she was cocked yeah, and she.
Speaker 1: Was laying on her on her on her breast. Kids
Speaker 1: are at the beach with their parents all the time, sunbathing.
Speaker 1: It's just because it's her that y'all got a problem
Speaker 1: with it. Yeah, it's just weird. White women are on
Speaker 1: the beach all the time looking the same exact fucking way. Okay. Anyway,
Speaker 1: a female prison officer who was allegedly filmed having sex
Speaker 1: with inmates rips impersonators as incredibly distasteful. Okay, So our
Speaker 1: former prison officer who allegedly filmed herself having sex with
Speaker 1: an inmate in England says people ripping off her romp
Speaker 1: are incredibly distasteful. I did even more distasteful than you.
Speaker 3: Anyway.
Speaker 1: So Linda Desosa a abrew thirty took to social media
Speaker 1: to blast porn stars pretending to be her on OnlyFans
Speaker 1: and worn against the fake profiles of her that have
Speaker 1: popped up monetizing off of her misfortunes. So this is
Speaker 1: really why she mad, because she started the only fans first.
Speaker 1: So she was charged with misconduct misconduct. Miss She was
Speaker 1: charged with misconduct in a public office last month after
Speaker 1: the video of her having sex with a man serving
Speaker 1: time for burglary at HM prison. Wadsworth, you haven't been
Speaker 1: that tammy surface. She cut her job amid the investigation
Speaker 1: and the oh shit they got.
Speaker 2: The video, bitch, Oh my god, what send it to me?
Speaker 1: I'm like, yo, she said, I want to address this
Speaker 1: very distasteful subject, Like girl, what you did was distasteful
Speaker 1: as fuck. Okay, of OnlyFans creators and impersonating and pretending
Speaker 1: to be me recreating the sad scanner that I am
Speaker 1: said to be involved in. Oh okay, so this is
Speaker 1: probably the video. Well let's read it.
Speaker 3: Let me see.
Speaker 1: I'm wondering if this is a video of her or
Speaker 1: actually like the people re enacting her prison sex scene.
Speaker 2: Anyway, here's the thing. I could never work at a prison.
Speaker 2: All those beautiful black men, all right. First of all,
Speaker 2: prison preserves you. They be so healthy. They be so
Speaker 2: healthy in there. There's shade, they're not getting all the
Speaker 2: toxins of alcohol, and you know, they just look at
Speaker 2: food trash and the food is trash. But I think
Speaker 2: it is a little bit more. It ain't burn your kid, goody. Yeah,
Speaker 2: they just look preserved and healthy. And I'm sure it
Speaker 2: would be just this one strapping black male in there
Speaker 2: who's probably very intelligent and just got a bad hand,
Speaker 2: and he might mess around and get some gucci. So
Speaker 2: I can't work there. Shame, It's just too much.
Speaker 1: I couldn't work in a prison because I ain't no snitch,
Speaker 1: ass bitch. That's why I couldn't work. I couldn't be
Speaker 1: a police officer and I could not work in prison.
Speaker 1: Would I be smashing niggas? I I probably have a
Speaker 1: Working in a prison doesn't make you a snitch is
Speaker 1: a job. A snitch is something different. Who what a
Speaker 1: fuck wants to be in prison in their whole lives
Speaker 1: because that's essentially what it is. They work like four
Speaker 1: days on, four days off. So you are in jail
Speaker 1: just as much as these niggas are in jail. I
Speaker 1: would never want that job for thirty years. You did
Speaker 1: thirty years in prison, my nigga for bullshit ass pension snitch,
Speaker 1: ass bitch.
Speaker 2: See, I disagree definitely.
Speaker 3: I know.
Speaker 2: I know a lot of people who work in law enforcement,
Speaker 2: who work in prisons, who are good people who provide
Speaker 2: for their family doing that, and they and maybe perhaps
Speaker 2: and I would not consider those people snitches. There are
Speaker 2: just people earning a living.
Speaker 1: Yeah, I couldn't be a police I think there's it's
Speaker 1: just it's just the mindset. I could not Could you
Speaker 1: be a police officer?
Speaker 2: I could not be a police officer. Because of the
Speaker 2: fear of my life every day. But that would be it,
Speaker 2: you know, that would be But you can.
Speaker 1: You could be you could be a p c O
Speaker 1: in prison.
Speaker 2: No, I can't work in the prison because I would fuck.
Speaker 1: Only because you'd fuck.
Speaker 2: Yes, that's the only reason. A j that's the only reason.
Speaker 2: That's the only reason they would I would get in trouble.
Speaker 2: I'd be in the same trouble is this bitch were
Speaker 2: talking about. Yeah, I don't consider them stitches. It was
Speaker 2: just hard working people. I know a lot of people
Speaker 2: who work in in that system.
Speaker 1: I don't know. I don't got that mindset. I'm not
Speaker 1: working in the damn jail. Beat in jail with niggas
Speaker 1: all day.
Speaker 2: Okay. Newly crowned Miss Kansas opened up about why she
Speaker 2: chose to call out her abuser during recent pageant so
Speaker 2: she was asked about her vision as the brand ambassador
Speaker 2: for Kansas what would she do, and she mentioned that
Speaker 2: she would eliminate people like her abuser who is in
Speaker 2: the audience right now on stage, Michael for everybody to hear.
Speaker 2: And I know that person was in the audience, Like,
Speaker 2: oh my god, I wonder if it was a man
Speaker 2: or a woman or black or white, you never know
Speaker 2: in the pageant industry. But she felt like it was
Speaker 2: important to call out her abuser right then and there
Speaker 2: because it was heavy on her heart at the moment,
Speaker 2: and she wanted to advocate for domestic violence victims, including herself.
Speaker 1: I feel her people need to do that more often,
Speaker 1: you know what I'm saying. Like, you know, I talked
Speaker 1: shit about my abuser in his mind, he may not
Speaker 1: have been one, but I definitely gonna let him a
Speaker 1: fucking look at my T shirt. My ex is my
Speaker 1: biggest fan. Motherfucker. People people don't consider themselves abusers a
Speaker 1: lot of the time.
Speaker 2: You gotta.
Speaker 1: Yeah, definitely, I would call his ass out to whoever,
Speaker 1: whoever it is, have the have the strength to let people.
Speaker 2: I mean, that was courageous because that person was right there.
Speaker 1: I would appointed.
Speaker 2: Him right there.
Speaker 1: Him over there, they're betting out how fucking bad.
Speaker 2: You drove me?
Speaker 1: Him over there? Absolutely.
Speaker 2: I'm sure there's people who knew exactly who she was
Speaker 2: talking about too.
Speaker 1: Yeah, so I hope he started sweating bullets.
Speaker 2: So I have one other thing that I wanted to
Speaker 2: address for stupid Internet news, And this is not by
Speaker 2: any it's not stupid at all. But and if you
Speaker 2: go on Apple, you can rate and review our show.
Speaker 2: And there's this one review that had a question for me,
Speaker 2: so I wanted to answer because I can't respond to
Speaker 2: you on the actual app. And I'm gonna read this
Speaker 2: you guys. This is from math Cast and they have
Speaker 2: biracial children. And they said, I am half Vietnamese and
Speaker 2: half Caucasian woman to two biracial children. I'm listening to
Speaker 2: your podcast that you had your friend on about colorism.
Speaker 2: Tam Baham says that she doesn't consider biracial children that
Speaker 2: come from a white mother not as black. I need
Speaker 2: to ask why you consider my children because they are
Speaker 2: three fourths black fathers all black and one fourth white
Speaker 2: and one fourth Vietnamese. They society always says, if you
Speaker 2: have a drop of black and you you're black, explain please,
Speaker 2: I don't. I'm listen. If your kids in the car
Speaker 2: with me and they say you niggas, get out the car,
Speaker 2: the police say that they need to get out the
Speaker 2: car with me. I'm not saying your children are not
Speaker 2: black by standards of culture, no h by racial standards,
Speaker 2: by their appearance. But when I say their mother isn't black. Culturally,
Speaker 2: they don't align with blackness. That's all I'm saying is
Speaker 2: culturally they have a different upbringing. When the mother is black,
Speaker 2: they typically have from a cultural standpoint, black points of view,
Speaker 2: black mannerisms, all these things, experience Black experience, and that's
Speaker 2: what I'm saying. I'm not saying that your children are
Speaker 2: not black. So let me just claring to fy that
Speaker 2: for you math.
Speaker 1: Cast and I guess you know, this is the same
Speaker 1: thing which people people really thought that Kendrick Lamar and
Speaker 1: Drake's situation was about skin tone for some reason, or
Speaker 1: it was about Drake not really experiencing or recognizing black
Speaker 1: culture for real. He does utilize it, but that's not
Speaker 1: how he was raised at all. He has monetized off
Speaker 1: of the black culture. But he has said some things
Speaker 1: in the past and in the present that you could
Speaker 1: not possibly be of the black culture. You wouldn't you
Speaker 1: wouldn't say free to slaves and ship like that, h okay.
Speaker 1: You wouldn't be calling like the way certain people in
Speaker 1: Canada the black people talk. You wouldn't be calling it ignorant.
Speaker 1: He did that. You wouldn't do black face. There are
Speaker 1: just certain things if you're not, if you're not of
Speaker 1: the black culture, there's certain things you just wouldn't do.
Speaker 1: So when a child and I agree with you, Tammy,
Speaker 1: I didn't disagree when you when you, I didn't disagree
Speaker 1: with anything. You just said your clarification. And also I
Speaker 1: feel the same way also, you know, it's just it's
Speaker 1: just different. It's not about skin tone, right or no,
Speaker 1: ship like that. It's not about the genetics either, because
Speaker 1: black is a culture as black as a culture. So
Speaker 1: do you consider your children black?
Speaker 3: Right?
Speaker 2: That part?
Speaker 1: That's that's the only thing that matters. Do you consider
Speaker 1: your children black? It would be my question for her.
Speaker 2: Right and and and we're not trying to offend at all.
Speaker 1: You know.
Speaker 2: I'm sure your children are beautiful black babies if that's
Speaker 2: what you see them as, and culturally I don't think
Speaker 2: they are, though I apologize for that. I'm sorry, all right, job.
Speaker 1: People will be so touchy.
Speaker 3: Yah.
Speaker 1: I had somebody sending me paragraphs this weekend like girl,
Speaker 1: and I just went and deleted her shit like you
Speaker 1: are really just you're trying to press me. Yeah, that's
Speaker 1: what you're trying to do. But because I can do
Speaker 1: nothing to you, because we you know it's text. I
Speaker 1: don't feel like arguing. I'm not here to debate anybody's
Speaker 1: perception and how they perceive things. I'm not doing it.
Speaker 1: I said what I said. Yeah, you could say what
Speaker 1: you said, but I'm not having a back and forth
Speaker 1: with you about anything. And that's what a lot of
Speaker 1: times people want.
Speaker 2: Well, I'm okay with you. I'm okay with a back
Speaker 2: and forth because sometimes we're just trying to understand each
Speaker 2: other's perspective and it don't I'm not going to text
Speaker 2: an argument.
Speaker 1: I'm not doing it via text. Like I don't even
Speaker 1: feel like a bitch. I'm driving like all type of
Speaker 1: shit going on, Like, girl, I'm not about to write
Speaker 1: you a paragraph back, have a nice day, enjoy your weekend.
Speaker 2: Man. It just depends on what I got going on,
Speaker 2: because I'll write your ass a book back, bitch, if
Speaker 2: I got time, if I have time, and if it
Speaker 2: as long as the conversation isn't like, because some people
Speaker 2: are committed to misunderstanding you. And you can tell when
Speaker 2: a person is like, all right, do you really want
Speaker 2: to understand my perspective or you just want to debate
Speaker 2: and go back and forth to argue yeah. Right, So
Speaker 2: that's the difference. So math cast, I hope that answer
Speaker 2: your question, and I hope you're not offended by it.
Speaker 2: If you are, you know, I'm sorry for that. To
Speaker 2: go to church are y'all. We have a great guest
Speaker 2: on today that's going to drop some financial jewels on us. Listen,
Speaker 2: we've been talking money because money has been different, money
Speaker 2: been different lately, and y'all, y'all are really going to
Speaker 2: enjoy this. Please stay tuned. This can help all of us,
Speaker 2: so we'll be right back, y'all, stay tuned. All right, guys,
Speaker 2: y'all back. And you know, this last couple of weeks,
Speaker 2: we've been talking about our finances because I feel like
Speaker 2: everybody is feeling the strain that's on the economy right
Speaker 2: now with this inflation. So I was scrolling on Instagram
Speaker 2: just looking at the things and looking at the people,
Speaker 2: and I came along this Instagram profile that was dropping
Speaker 2: some jewels. I found our guests today. His name is
Speaker 2: jean Our BOYKND and he is from the go Getter family,
Speaker 2: and y'all, he has some jewels for all of y'all
Speaker 2: and especially me, because the bitch money. Every time I
Speaker 2: look at my savings account. It's getting lower and lower. Yes,
Speaker 2: so I just need some help and I want us
Speaker 2: to have financial freedom, especially me, y'all too. So, Gene boykind,
Speaker 2: thank you for joining us this morning. We really appreciate
Speaker 2: you for taking time out because I know you got
Speaker 2: a flight to go teach today, so I appreciate you
Speaker 2: for taking time before your flight to come drop some
Speaker 2: jewels on us in our listeners. So, thank you so much.
Speaker 3: Thanks for having me this morning. I appreciate it. It's gonna
Speaker 3: be fun. Yes, what's up? So?
Speaker 2: Uh, Gene, tell our listeners a little bit about yourself.
Speaker 3: Well, I'm from I reside in Houston. I'm originally from Iowa.
Speaker 3: So y'all gonna have to take it easy on me,
Speaker 3: you know what I mean? It's that's Iowa, right, that's
Speaker 3: corn not potatoes, all right, that's Idaho. So but I
Speaker 3: got into Iowa.
Speaker 2: Yes, there's a crazy like you're the first nigga I
Speaker 2: ever see from.
Speaker 3: Yeah, there's one or two of us. There's one or
Speaker 3: two of us. But I had to get up out
Speaker 3: of there. I'm in Houston now, so I love it here.
Speaker 3: I love it here.
Speaker 1: Were you born?
Speaker 3: I was yep? I was born in Iowa, raised in
Speaker 3: most of my life.
Speaker 2: So what you was doing like as a kid, Like, like,
Speaker 2: what did you do for fun?
Speaker 3: Oh? My goodness, there wasn't much to do. I mean
Speaker 3: when I in my high school years, we used to
Speaker 3: have like kagers out in corn fields party. Yeah, a
Speaker 3: lot of a lot of parking lot pimping. I was
Speaker 3: telling my fiance. We used to kick it in the
Speaker 3: Taco Bell parking lot. Like what you're doing? What a'all
Speaker 3: gonna do tonight? No, ain't nobody doing nothing. Al we
Speaker 3: meeting at Taco Bell. It was embarrassing.
Speaker 2: That's not no different much different than South Carolina though,
Speaker 2: now that I think about it, we would meet in
Speaker 2: the McDonald's parking lot after the football games.
Speaker 4: Yeah, exactly are they people in Iowa?
Speaker 1: Like what city?
Speaker 3: There are a few? There are a few. So I'm
Speaker 3: from Sioux City, Iowa, which is kind of near Omaha, Nebraska.
Speaker 3: It's it's they're not I wouldn't call it major. It's
Speaker 3: about one hundred and twenty thousand.
Speaker 2: People, the realist nigga in Nebraska.
Speaker 3: Yeah.
Speaker 2: Yeah, so you said it was just a couple. Your
Speaker 2: dad was there?
Speaker 3: Yes, my dad, My whole family my grandmother moved to
Speaker 3: Iowa during the Great Migration, but she moved to Nebraska
Speaker 3: and it's like right next to Iowa, so that's where
Speaker 3: we're all from. You know. She brought us up there
Speaker 3: to suffer.
Speaker 2: Is your dad military that I was thinking, No, he's not.
Speaker 3: My dad worked construction my whole life. So yeah, there's
Speaker 3: not a lot of opportunities for us in Iowa, which
Speaker 3: is one of the reasons, you know, I had to
Speaker 3: leave there. Well, I wanted to leave. I needed to
Speaker 3: be around some movers and shakers. But the type of
Speaker 3: real estate that I do too. For them to see
Speaker 3: a brother coming in, coming down to the courthouse recording
Speaker 3: documents things like that, I mean, it was incredibly difficult.
Speaker 3: There was a lot of obstruction, but I was standing
Speaker 3: in my ground and they definitely didn't like it.
Speaker 2: So I saw that you said, you graduated like third
Speaker 2: to last in your class, and you wasn't really like
Speaker 2: a scholar student, but you wanted this financial freedom. You
Speaker 2: didn't want to sell your time, that's what you said.
Speaker 2: You didn't want to sell your time. How did you
Speaker 2: get into real estate, Like, how did you decide this
Speaker 2: was the avenue for you?
Speaker 3: Well, I mean again, I wanted financial freedom. So I
Speaker 3: knew that I wasn't going to be a professional athlete.
Speaker 3: I damn sure, Kane rap. So I knew those things
Speaker 3: were out of the question, and those are like, you know,
Speaker 3: most of the opportunities that we have. So I just
Speaker 3: thought to myself, you know, real estate was going to
Speaker 3: be the way to build wealth. But the problem was
Speaker 3: I didn't know where I was going to get the
Speaker 3: money to start, you know, and so that was really difficult.
Speaker 3: One of my friends made it out and he became
Speaker 3: a doctor. So when I first got into real estate,
Speaker 3: he was financing our deals, but the banks were giving
Speaker 3: him a hard time too, even though he's a doctor
Speaker 3: making plenty of money.
Speaker 1: Is he a black guy?
Speaker 3: He is, Yeah, he's mixed to There's a lot of
Speaker 3: us up there. Yeah, a lot of mixed.
Speaker 1: Brothers up The niggas is in Iowa. Hostage very much shaded. Okay, yeah,
Speaker 1: are you a licensed realtor or? You just do real
Speaker 1: estate investments?
Speaker 3: Yeah, I'm just a real estate investor. No, I'm not
Speaker 3: a realtor. I'm not a licensed realtor. I'm not certified
Speaker 3: in any of that stuff. So not the traditional way.
Speaker 1: Right, yeah, because even I had a real estate license
Speaker 1: at one point, but I was still in college at
Speaker 1: the time, and I realized, like, you got to have
Speaker 1: money even to be a realtor, you know what I'm saying,
Speaker 1: Like you might have to replace some shutters in somebody's
Speaker 1: house to sell that shit, some shit like you have
Speaker 1: to come up out of your pocket with money. But
Speaker 1: so as a real estate investor, but what are some
Speaker 1: of the creative ways that you've come up with to
Speaker 1: buy real estate with no money?
Speaker 3: Well, so I was. I was determined to be financially free.
Speaker 3: Hell I was running a landscaping company a little bit
Speaker 3: over three and a half years ago, and I was
Speaker 3: just disgusted with my circumstances. So I had made the
Speaker 3: decision that I was going to go into investing one
Speaker 3: hundred percent, and as God would have it, I ended
Speaker 3: up kind of getting fired or quitting my job. That's
Speaker 3: still up in the air. At the same time that
Speaker 3: me and my partner lost a great deal because of
Speaker 3: the financing part. Right, he couldn't get the financing in time.
Speaker 3: And when I made that decision, I didn't know how
Speaker 3: I was going to finance my deals, but I knew
Speaker 3: I was getting into real estate one hundred percent win
Speaker 3: or lose. And about a week later I found the
Speaker 3: strategy that changed everything for me, changed the game. There's
Speaker 3: a strategy called subject to subject to the existing financing yes,
Speaker 3: where we can buy properties, buy houses by taking over
Speaker 3: the existing mortgage and leaving that in the seller's name.
Speaker 3: So when I heard about this strategy, I'm thinking, Nah,
Speaker 3: this shit ain't really it can't be real. Like, you
Speaker 3: don't have to go to the bank, you don't have
Speaker 3: to qualify for debt. I was like, but if it
Speaker 3: is real, it's going to change everything. So I dug in,
Speaker 3: I mean like a mad man with the information, and
Speaker 3: lo and behold it is real. And I've acquired sixteen
Speaker 3: properties since then and helped people around the country to
Speaker 3: I've created about a handful of millionaires, real estate millionaires
Speaker 3: from this. So it's it's a game changer.
Speaker 1: So are you creating renters at this point?
Speaker 2: Though?
Speaker 1: So like, okay, So if somebody is upside down on
Speaker 1: their home near about the house has got to go
Speaker 1: go into foreclosure. You come in and you pay the
Speaker 1: balance or not balance, because me, you catch the mortgage up.
Speaker 1: So now you become the homeowner. Are these people so
Speaker 1: allowed to live in their homes or do you acquire
Speaker 1: the house?
Speaker 3: Like, yeah, we acquire the property. And I never recommend,
Speaker 3: like when you buy a property that way, especially if
Speaker 3: they're behind in payments in foreclosure, I never recommend that
Speaker 3: you let the person stay in the house right because
Speaker 3: they're going to get behind with you if you do that.
Speaker 3: So I'm also a certified affordable housing provider and that's
Speaker 3: it's a nationwide network of us. And what we do
Speaker 3: is when we buy these properties by taking over the
Speaker 3: existing mortgage, we then give our community the opportunity out
Speaker 3: affordable home ownership. So we sell them on rent to
Speaker 3: own right to people and their credit doesn't matter. Their
Speaker 3: job is their credit, their verifiable income. So we've been
Speaker 3: able to help people around the country too to get
Speaker 3: home ownership that thought that they would never have that opportunity.
Speaker 2: Cool. So it's subject too. It's like you're finding people
Speaker 2: who are in financial hardships and saying, hey, let me
Speaker 2: just take this, let me take this off of your
Speaker 2: baby girl kind of situation. Is that what it is?
Speaker 3: Yeah? Pretty much. I don't know if I'm that smooth,
Speaker 3: you know, with to let me get this up out
Speaker 3: for you, baby girl. But no, but yeah, it's it's
Speaker 3: it's financial hardships, right because like most of the properties
Speaker 3: that you see on like Zillo are listed with realtors.
Speaker 3: Those people don't even really want to sell their house,
Speaker 3: but they have to because something happened in life that
Speaker 3: turned that house that was a blessing into now a
Speaker 3: financial burden. So we come in and we'll give them
Speaker 3: debt relief and take those payments over that are a
Speaker 3: burden to them and let them move on with the
Speaker 3: next chapter of their life.
Speaker 2: And then you go and resell it.
Speaker 3: Yeap, we sell it on yep, we sell it on
Speaker 3: terms so rent to own. So we'll then advertise that
Speaker 3: property as rent to own, no credit checks, down payment required,
Speaker 3: so we'll get a down payment from our buyers, and
Speaker 3: then they give us monthly payments, so we essentially become
Speaker 3: their bank. It's it's spectacular. It's amazing.
Speaker 1: So okay, so somebody I saw the one deal you
Speaker 1: you broke down the video I watched on your online
Speaker 1: on your Instagram page. It was like a twenty three thousand,
Speaker 1: two hundred and fifty six thousand dollars. I like numbers.
Speaker 1: That's what the number was three cents to some shit?
Speaker 1: So how does one come up with that money?
Speaker 3: Though?
Speaker 1: Like, so if somebody we're still talking buying real estate
Speaker 1: with no money, So what if somebody that doesn't even
Speaker 1: have twenty three thousand dollars, Like, how can they get
Speaker 1: into this game?
Speaker 3: That's that's the most I ever spent on a property,
Speaker 3: and that was about two years in when I had
Speaker 3: the money to spend it. I started this with seventeen
Speaker 3: hundred dollars and determination and a dream. So what I
Speaker 3: used to do and I still do to this day.
Speaker 3: We have three houses that we're buying in Dallas and
Speaker 3: the Dallas Metroplex right now that we're doing this with.
Speaker 3: So when we buy these properties, we'll negotiate taking over
Speaker 3: that debt, taking over that mortgage, and then we may
Speaker 3: have to pay out some equity because we're not like
Speaker 3: stealing people's houses. We want to pay them some money too, right,
Speaker 3: So if we have to pay, say twenty three thousand,
Speaker 3: what we'll do is we give ourselves thirty days to close,
Speaker 3: and during those thirty days we can legally market and
Speaker 3: advertise that property. So we'll advertise that property as we
Speaker 3: rent to own. No credit checks, down payment required, and
Speaker 3: that down payment that we get from our buyer will
Speaker 3: get that down payment and we'll use that money to
Speaker 3: pay the twenty three thousand or the fifteen or whatever
Speaker 3: amount it is. We use that money. So I got
Speaker 3: my first eight houses that way, so they were essentially free.
Speaker 1: Does that make sense, Yeah, because I've actually I've done
Speaker 1: like a little man wholesale deal before, but it's just
Speaker 1: the customers in this aspect, like having to deal with people,
Speaker 1: I just can't. Yeah, and when people find out how
Speaker 1: much money you're making off the deal, like when you
Speaker 1: get to the table, they be mad as fuck.
Speaker 3: On them wholesale bills. Yes, yes, wholesaling. Wholesaling is kind
Speaker 3: of like being a realtor. Right, you get paid one
Speaker 3: time on a deal. So with this, we get paid
Speaker 3: the one time, but then we still own the property,
Speaker 3: so we make a monthly income on that property like clockwork.
Speaker 3: It's beautiful. So it's a step up from wholesaling.
Speaker 1: Yeah, because I guess it's essentially the same thing. Like,
Speaker 1: so you take ownership of the home, so now you're
Speaker 1: able to advertise the home as if you currently own it,
Speaker 1: while you're finding somebody's actually buy it from the.
Speaker 2: Seller exactly, yes, exactly, So is there a way to
Speaker 2: losing that because is there a risk? Like, yeah, what's
Speaker 2: the risk?
Speaker 3: Well, so with the risk is to your good name, honestly, right,
Speaker 3: So if you go in and you tell somebody, yeah,
Speaker 3: I'm going to take over this mortgage for you, give
Speaker 3: you debt relief, and then you end up not being
Speaker 3: able to pay that mortgage or not being able to
Speaker 3: find a buyer, the risk is your good name, your reputation.
Speaker 3: But with subject too, we don't personally guarantee the debt
Speaker 3: because it stays in that seller's name, so it does
Speaker 3: not affect our credit. The risk is if you put
Speaker 3: any money into the deal, you know, you could lose
Speaker 3: whatever you put into the deal. But to me, this
Speaker 3: is the best way to do real estate with the
Speaker 3: least amount of risk because again it's not on our credit,
Speaker 3: and then if.
Speaker 1: You are able to clear it up, it's off the
Speaker 1: seller's credit. Well, it doesn't. The debt doesn't hit their credit.
Speaker 3: It actually helps their credit because we're making those payments
Speaker 3: on time for them like clockwork, so it's building that
Speaker 3: their credit back up. That's why I'm like a foreclosure PhD. Right, like, seriously,
Speaker 3: we love I love buying foreclosures, but that does help
Speaker 3: those people because their credit's been hit by missing those payments, right,
Speaker 3: having those late payments, so we get them going again.
Speaker 2: Can you talk to us about red tag homes?
Speaker 3: Ooh yeah, that was a red tag home. Is it
Speaker 3: is a home that has been declared unlivable right for
Speaker 3: whatever reason, and it could be just as simple as
Speaker 3: an electrical problem. But the city inspection department goes out
Speaker 3: and checks these homes and they'll put that red tag
Speaker 3: on the door. And that was one of my first
Speaker 3: like viral videos. Red tag homes is the easiest way
Speaker 3: to get into real estate because you know that these
Speaker 3: homes have a problem. They have a problem that that seller,
Speaker 3: the owner's not fixing. So what I love. What I
Speaker 3: did was I got that red tag list and I
Speaker 3: would look at the addresses and see the neighborhood that
Speaker 3: it's in. I knew my city, so I'm like, oh,
Speaker 3: this is a great neighborhood. It's a red tag house, Like,
Speaker 3: what the hell this house has got to be? This
Speaker 3: is worth money. So I would go talk to the
Speaker 3: owner and get it under contract and then typically in
Speaker 3: those situations, they need a ton of work, so I
Speaker 3: would just go to contractors, and most of them want
Speaker 3: to become investors anyway, but the banks won't finance them
Speaker 3: because they don't have a W two pay check coming in.
Speaker 3: So I've sold a bunch of houses that way. I've
Speaker 3: helped a lot of people and made a reasonable amount
Speaker 3: of money off of those red tags.
Speaker 2: Would you suggest that someone started out starting out start
Speaker 2: with a subject to home or a red tag.
Speaker 3: So if you're going to get started in real estate
Speaker 3: and you don't know anything about real estate, I suggest
Speaker 3: that you start with a red tag transaction just because
Speaker 3: those are the easiest to do and you can make
Speaker 3: some quick money, right And most people that are getting
Speaker 3: started in real estate, they need to put some gas
Speaker 3: in the gas tank. So a red tag deal that's
Speaker 3: what got me started. It's a little bit of work,
Speaker 3: but if you're a go getter, I mean, you're going
Speaker 3: to make it happen, right, So it just depends on
Speaker 3: how bad you actually want it.
Speaker 1: So this type of real estate buying has been very lucrative.
Speaker 1: I as soon for you guys. During the pandemic, I
Speaker 1: know a lot of people sold their homes too early
Speaker 1: just to get that check, and a lot of them
Speaker 1: probably still rent an apartment now because you can't find
Speaker 1: a house comparable to where you came from. So do
Speaker 1: you think that a situation like when the market gets
Speaker 1: the worst possible is the best time to do these
Speaker 1: type of deals when people are upside down in their mortgages.
Speaker 3: So yeah, I mean that is, honestly, you know, a
Speaker 3: great time for us to buy houses. And because if
Speaker 3: you think about it right, most people think about the
Speaker 3: traditional way of doing real estate either going to a
Speaker 3: bank getting credit right, and if you're getting credit, those
Speaker 3: numbers on that deal it has to fall within what
Speaker 3: the bank says, the bank's parameters, otherwise you can't do
Speaker 3: the deal. And then you know, having the cast just
Speaker 3: to buy it out right, and those numbers have to
Speaker 3: fit inside of a certain box. So us being able
Speaker 3: to come in and take over an existing debt and
Speaker 3: not have to qualify for it, we can do deals
Speaker 3: that most people just can't do. Most real estate professionals
Speaker 3: just cannot do. And on the flip side of that,
Speaker 3: when we sell it, we don't have to worry about
Speaker 3: making a million dollars on one deal as long as
Speaker 3: we're making a monthly income off of it. Right, So
Speaker 3: we're getting a monthly payment that is higher than the
Speaker 3: mortgage that we took over. We're winning. We got an
Speaker 3: asset and we got somebody else paying down that mortgage
Speaker 3: for us, right, So it's I mean, it's a win
Speaker 3: win situation, and we're helping the people that need to.
Speaker 1: Say, how did you even find out about this, this
Speaker 1: type of real estate buying? Like, did you have any mentors?
Speaker 3: Yeah? I mean you gotta have a you gotta have
Speaker 3: a mentor. I don't. I mean most people I couldn't
Speaker 3: afford a mentor when I first started, but I found
Speaker 3: this on YouTube university, so because I was looking for
Speaker 3: ways to do deals. Right, we had lost that deal,
Speaker 3: and I remember my partner, he's like my brother, my
Speaker 3: best friend. He came back, He's like, Gene, you know
Speaker 3: I didn't get the financing. He's like, I don't you know,
Speaker 3: I don't know what to do from here because we
Speaker 3: did three fix and flips in three years. That's like
Speaker 3: less than minimum wage. And I told him, like, Travis,
Speaker 3: I don't know about you, but you know I'm gonna
Speaker 3: keep doing what I've been doing because I'm learning a
Speaker 3: lot along the way. Too, and I just wanted more.
Speaker 3: I was sick and tired of working for somebody else,
Speaker 3: and so I started looking on YouTube and I found
Speaker 3: when I put in the search, you know, buying houses
Speaker 3: with no money, I found my first mentor. He's from Virginia.
Speaker 3: His name is Chris Haskins, and he was talking about
Speaker 3: this subject too. I didn't believe it, but I watched
Speaker 3: more and lo and behold it was true. But then
Speaker 3: I moved up to the man, an old white man.
Speaker 3: I saw old white man on his YouTube channel. Yeah,
Speaker 3: he had a good tan too. I remember telling him
Speaker 3: this story. I'm watching Chris Hoskins. Yes, yes, I saw
Speaker 3: that tan. I'm like, he gotta have some money. So
Speaker 3: Lou Brown is his name. Yeah, he's the founder of
Speaker 3: the National National real Estate Investors Association. So I ended
Speaker 3: up getting in his mastermind and he's the one who
Speaker 3: discovered this strategy.
Speaker 1: And it's one leg.
Speaker 3: Yes, yes, and yes. That's what I love about it is,
Speaker 3: you know, it's it's definitely legal. And some realtors are
Speaker 3: even say, you know, this is unethical, right, taking over
Speaker 3: somebody's mortgage or not qualifying. But we're so brainwashed that
Speaker 3: we feel like we have to do things the way
Speaker 3: that the matrix says to do it, and that's just
Speaker 3: not the case because they play the game by a
Speaker 3: different set of rules. And so another thing I'm an
Speaker 3: expert at is asset protection, like putting all of our
Speaker 3: properties in trust, opening up yeah trust bank accounts, and
Speaker 3: so when you're dealing with trust, it's a whole different
Speaker 3: set of rules. It's a whole different ballgame. That's where
Speaker 3: the wealthy and the elite li is.
Speaker 1: I've studied trust, so I kind of knew how to
Speaker 1: set it up. I don't got shit to put any
Speaker 1: one right now.
Speaker 2: Literally, I don't want no property.
Speaker 1: So I'm trying to grow up. Okay, but but you
Speaker 1: you literally could put house Boy to say, so my
Speaker 1: family right, we have land, right, So this is IR's property.
Speaker 1: And for the last two or three years I've been
Speaker 1: arguing with my mom telling them to do a trust
Speaker 1: as opposed to having this property and probate, which it's
Speaker 1: been in probate now for a whole year. So tell
Speaker 1: our listeners, like why it's important right to get a
Speaker 1: trust as opposed to probate, Like why you should avoid probate.
Speaker 1: And I'll show this from somebody else, because when you
Speaker 1: tell your family, should you know, they don't really want
Speaker 1: to listen.
Speaker 3: See, yeah, don't listen to us. Yeah, right, exactly exactly.
Speaker 3: And and to be honest, probate is a scourge on
Speaker 3: the black community right. Our parents, our grandparents, our aunts,
Speaker 3: our uncles, they work their fingers to the bone to
Speaker 3: be able to become homeowners. And then when they pass away,
Speaker 3: if we don't have our property and a trust, that
Speaker 3: property goes into probate and the courts dictate and determine
Speaker 3: what happens with that property. And probate is set up
Speaker 3: as a creditors court. Right, so any debt that you
Speaker 3: have as the person who owned the property passing it down,
Speaker 3: any debt that you have, your creditors are going to
Speaker 3: come in and take it out of that estate. But
Speaker 3: also what people don't know is the people that we're
Speaker 3: passing it to our heirs, if they have creditors, their
Speaker 3: creditors come take a look at that and they can
Speaker 3: take what they're owed out of that estate. And so
Speaker 3: trusts are the only entity that circumvent probate altogether, there
Speaker 3: is no probate when you pass away. So I recommend
Speaker 3: this because we need it. We got to stop having
Speaker 3: our wealth taken that word, the little bit that we
Speaker 3: do have.
Speaker 1: So now they've been going to everybody's kids, my dead
Speaker 1: cousins who going this shit with their whole life. Yep,
Speaker 1: you're going to their kids to get their signatures for
Speaker 1: this probate shit. And I'm like, man, sign that shit.
Speaker 1: Over's everybody. But this shouldn't have fucking trust. I don't
Speaker 1: understand why black people. It's like, but when we learn
Speaker 1: the game, if too many black people start doing the
Speaker 1: trust it and anything else, they're going to start changing
Speaker 1: the rules behind a lot of this stuff. Because this
Speaker 1: is the system that each people created, right, they've been
Speaker 1: using it, and the minute we find out about it
Speaker 1: is over.
Speaker 3: They get to switch and stuff up. Yep. And so
Speaker 3: the glorious, the glorious thing about trust is that trusts
Speaker 3: are like the statutory codes and the judiciary. Trusts are
Speaker 3: like their big uncle. Trusts were what came over with
Speaker 3: the people owned the Mayflower and whatever made up names
Speaker 3: of the ships that they made up. Trust, trust were there.
Speaker 3: Trust was the law right, and so so trust the
Speaker 3: wealthy and the elite use it. Everything is built on trust.
Speaker 3: Everything Banks are owned in trust. How the government's owned
Speaker 3: the trust.
Speaker 1: Let's take it up a notch because you know people
Speaker 1: have been learning Black people have been learning the LLC game.
Speaker 1: Can you talk to our listeners.
Speaker 2: What I was going to talk about about next question
Speaker 2: versus LLC.
Speaker 3: Yeah, LLCs LLC's are are. In my opinion, this is
Speaker 3: just strictly my opinion, LLCs are joke. And they're joke
Speaker 3: because they're a creature of the government, right the Secretary
Speaker 3: of State. You have to register that with the Secretary
Speaker 3: of State, so you're no longer anonymous with your ownership.
Speaker 3: And the way people litigate in the United States, the
Speaker 3: way people sue each other, if you have an LLC,
Speaker 3: it is so easy to pierce the corporate veil, right,
Speaker 3: and piercing the corporate veil just means that like you
Speaker 3: co mingled funds, or you didn't turn in a document
Speaker 3: to the Secretary of State on time, or you didn't
Speaker 3: pay one of those annual fees. So now you think
Speaker 3: you're protected and they can actually access your personal assets
Speaker 3: if you were to get sued. And so LLCs are
Speaker 3: just a way for the state to control what we
Speaker 3: do and to monitor what we do. Trusts on the
Speaker 3: other hand, are completely private. The ownership is private, and
Speaker 3: there are no annual fees, right, you don't have to
Speaker 3: There isn't all of the hoops that you have to
Speaker 3: jump through. So it's almost like having a body body
Speaker 3: armor suit on right and an invisibility cloak because if
Speaker 3: you look me up, I don't own anything, and I
Speaker 3: don't because trusts own all of my assets. So it
Speaker 3: gives you more control, It gives you more flexibility in
Speaker 3: selling the property. And I don't want to be too
Speaker 3: long winded, but this is the magic of trust. So
Speaker 3: I've got two one on one students out in California
Speaker 3: and they own a duplex and it's a beautiful duplex,
Speaker 3: and they wanted to sell it individually, right each side.
Speaker 3: And the only way to do that that most people
Speaker 3: think is to go to the city, go to the county,
Speaker 3: get permits, fill out all these applications, make all of
Speaker 3: these changes, which is incredibly hard. But with a trust,
Speaker 3: we did it for them in a matter of a week.
Speaker 3: We put it in a trust, and we just divided
Speaker 3: the beneficial interests of that trust, and now we can
Speaker 3: sell those individually, so we help them to really double
Speaker 3: their profit. Double their cash flow and it it just
Speaker 3: double their asset, honestly, exactly. No permits, no going to
Speaker 3: the county asking permission, letting them tell you no, we
Speaker 3: didn't have to do any of it.
Speaker 1: And I saw, now you got to register those. You
Speaker 1: have to register your LLC. I don't know if people notice.
Speaker 1: And I got I got a few LLCs. You now
Speaker 1: have to register them with the federal government. It's the
Speaker 1: Corporate Transparency Transparency Act or something like that that kicked
Speaker 1: off the beginning of January. SI, have y'all created all
Speaker 1: those LLCs to get them PPPs, your ass going to
Speaker 1: be paying a ten thousand dollar fee to the federal
Speaker 1: government so the end of the year.
Speaker 2: So just dissolve them, dissolve your ll seas and then
Speaker 2: start trusts yep, right away.
Speaker 3: Yeah, absolutely, So I recommend that you own all of
Speaker 3: your assets and a trust and you have your bank
Speaker 3: account in a trust, your trust bank account, right because
Speaker 3: they pay out what two hundred and fifty thousand the
Speaker 3: FDIIC as an insurance for your deposits. But there's an
Speaker 3: order in which they pay that out, like if there
Speaker 3: was a run on the banks, they pay that out
Speaker 3: in order and so people are the last on that list.
Speaker 3: So if they're out of money, which you're just asked
Speaker 3: out right, but they pay out trust first and no lians,
Speaker 3: no lians can be attached to your money, No creditors
Speaker 3: can go after that. It's completely private. So I love it.
Speaker 3: I absolutely love it. It's amazing.
Speaker 2: As soon as we hang up, I'm going to the
Speaker 2: state it's morning, Monday morning, to take all that shit
Speaker 2: put it in a trust real quick. Thank you please, Yeah, yes,
Speaker 2: I got I know, you got to go. I have
Speaker 2: one more question for you. Talk to us about seller carrybacks.
Speaker 3: Mmm. I love seller carrybacks. So that's when somebody has
Speaker 3: a lot of equity right in their property. So it's
Speaker 3: just an easy example. If the house is worth two
Speaker 3: hundred thousand and there's one hundred thousand dollars mortgage that
Speaker 3: they're still paying on, that would mean that there's one
Speaker 3: hundred thousand inequity. Well, I don't want to come out
Speaker 3: of my pocket one hundred thousand to pay that seller.
Speaker 3: So a seller carry back is us turning the seller
Speaker 3: into our bank. So we're getting that equity on layaway
Speaker 3: pretty much, where we're negotiating monthly payments on that hundred thousand,
Speaker 3: so we would say, you know, hey, would a monthly
Speaker 3: income be a benefit to you? Yeah, what do you mean?
Speaker 3: Or depends on how much? And so we you know,
Speaker 3: a thousand dollars a month for the next hundred months.
Speaker 3: So instead of having to pay them one hundred thousand
Speaker 3: dollars upfront, we just pay them that thousand dollars a month.
Speaker 3: So we're able to buy that house and pay them
Speaker 3: their equity on layaway. That's that's a seller carry back.
Speaker 1: I need my money up front because the dollar today
Speaker 1: is not the same as tomorrow's dollar.
Speaker 3: Yeah, very true, that's very true.
Speaker 1: Things you count on people just not knowing, right, Yes, that's.
Speaker 3: Right, and they play the same game with us though,
Speaker 3: right Ignorance is not a defense, so you know, but
Speaker 3: we're not we're not beating these people. You got to
Speaker 3: remember that they have they're distressed in some way, shape
Speaker 3: or form. Typically it's a financial they're distressed financially. So
Speaker 3: we're coming in helping them out and helping them get
Speaker 3: to the next chapter of their life a lot easier.
Speaker 3: It's glorious.
Speaker 2: So for do you have any other questions?
Speaker 3: Y'all? Y'all, like this name is nerdy.
Speaker 2: No, we love nerds. We love a nerd.
Speaker 3: Yes, all right, talk.
Speaker 1: That any future goal, like goals you have, like aside
Speaker 1: from real estate, Like, what else do you want to be?
Speaker 1: I mean real estate is gold in America. I mean
Speaker 1: if you don't own any property, and the red lining,
Speaker 1: like we want to go all the way back to
Speaker 1: slavery and get reparations for that. But we need reparations
Speaker 1: like around the Civil Rights movement era. Okay, everybody, no
Speaker 1: matter what diaspora you're from, can benefit from redlining. So
Speaker 1: real estate is a very very important thing. But do
Speaker 1: you have any other goals?
Speaker 2: Excuse me?
Speaker 3: I guess you know. My goals is really to help
Speaker 3: as many people as I can to become financially free
Speaker 3: and build generational wealth. But then also to protect that wealth, right,
Speaker 3: because we play offense a lot black people our community,
Speaker 3: Like when we get the money, we spend it, right.
Speaker 3: And I'm not telling everybody I'll just save your money,
Speaker 3: save your money, because that's not the smart way to
Speaker 3: do it either. The smart way to do it is
Speaker 3: to invest. But the other side, right, our counterparts, they
Speaker 3: play defense with their money and that's asset protection and
Speaker 3: wealth management. And you don't have to be wealthy to
Speaker 3: have a trust, right, if you have a bank account,
Speaker 3: you need a trust. And if you buy a house
Speaker 3: for sixty g's today, in ten years, that thing is
Speaker 3: going to be worth nearly half a million dollars with
Speaker 3: inflation and the increase. So don't think because you don't
Speaker 3: have a whole lot of money that you don't need it.
Speaker 3: That's not the case. But yeah, my goal is to
Speaker 3: help really as many people as possible. And I know
Speaker 3: this sounds crazy, but to me, this is the right
Speaker 3: way to do real estate. And so we plan on
Speaker 3: revolutionizing the way that real estate has done absolutely all.
Speaker 1: I did see you guys have an event coming up
Speaker 1: August ninth and tenth, breaking the real estate money code.
Speaker 1: Let our listeners know how they can tap into that.
Speaker 3: Yes, you can, you can. You can go to the
Speaker 3: go getterfamily dot com and you can come check that
Speaker 3: out or go to any of my social media profiles.
Speaker 3: August ninth and August tenth, I'm gonna be teaching people
Speaker 3: how to buy free foreclosures, just kind of like how
Speaker 3: I explained on this podcast today, and then on day two,
Speaker 3: I'm gonna be teaching asset protection and then a state planning,
Speaker 3: being the architect of your legacy, right, controlling your assets
Speaker 3: from the grave. So it's gonna be huge. I've got
Speaker 3: some people flying in from around the country. JAML. Gibbs,
Speaker 3: he's down in North Carolina. He's amazing, been in the
Speaker 3: game for a couple of decades. And then Vicky the investor,
Speaker 3: she's dope. I met her at Lou Brown's Mastermind and
Speaker 3: we were a couple of the only black folks in there,
Speaker 3: you know, so you know, we gravitated towards each other.
Speaker 3: But she does the same type of real estate that
Speaker 3: I do, so she'll be there as well. But more importantly,
Speaker 3: we're gonna have go get her family members from around
Speaker 3: the country that have bought many houses this way and
Speaker 3: they turn nothing into something and now they're real estate millionaires.
Speaker 3: So they'll be there as well. So if you're in
Speaker 3: the Houston area, or if you're outside of the Houston
Speaker 3: area and you want to get a different result, right,
Speaker 3: if you're not happy with the outcome of your income,
Speaker 3: the thing is, we got to change the input, right,
Speaker 3: it's just a gap in knowledge. We just don't have
Speaker 3: the knowledge for it. And in order to do that, though,
Speaker 3: we have to perpetually be becoming more right more than
Speaker 3: we are today. So I'll see y'all August ninth and
Speaker 3: August tenth in Houston, Texas. I'm gonna show y'all how
Speaker 3: to get rich man.
Speaker 2: Y'all pull up to Houston.
Speaker 3: That's right.
Speaker 2: You know, I told you I was going to ask
Speaker 2: you about this. I saw that you proposed to a
Speaker 2: lucky lady recently. All right, so tell us how you
Speaker 2: knew she was the one?
Speaker 3: Oh that is a hell of a question.
Speaker 2: Damn.
Speaker 3: How did I know that she was the one? I knew.
Speaker 3: I knew that she I knew that she was the
Speaker 3: one when she when I when I felt her concern
Speaker 3: on really, and this is simple, but I felt her
Speaker 3: concern on if I had eaten.
Speaker 1: Hungry like these niggas. That's how you get good meals
Speaker 1: for him.
Speaker 3: Look, that's the game right there. That's the game right there.
Speaker 2: But hear that, ladies, you nigga Jason was he was hungry?
Speaker 2: That was it? That? Yeah?
Speaker 3: Yeah?
Speaker 1: So yeah, that's how I do in the macaroni.
Speaker 3: Oh my goodness, I tell people I'm from Iowa. So hell,
Speaker 3: they don't even barely use salt and pepper in their food,
Speaker 3: so you throw a little seasoning in there. It's all.
Speaker 2: She put some Lauryn's on that ship. He was like, oh,
Speaker 2: I proposed it to this one.
Speaker 3: Yeah. Look I took a bite and got on one
Speaker 3: knee like, hey, will you. I was all nervous and shiit,
Speaker 3: I think it's easy. Yeah, don't let it fool you.
Speaker 3: Now it is. It is easy, ladies, It is easy.
Speaker 2: All right. So we have a segment on our show.
Speaker 2: It's called a dumbitch story or SIMP series, and you
Speaker 2: have to share a time that you got played by
Speaker 2: the opposite sex. Now I want to give you a
Speaker 2: chance to think about it. We're going to go to commercial,
Speaker 2: and when we come back, we want your story. We'll
Speaker 2: be right back you guys.
Speaker 3: But no real easy way to say this yourself.
Speaker 1: So we're back, y'all, and we're about to get a
Speaker 1: simp story from mister boy. Can go ahead, and it
Speaker 1: better not be in high school, okay.
Speaker 2: Men, always men, I always like to tell a story
Speaker 2: back in ninth grade, like not.
Speaker 3: You need some girl, man, you want a grown man story.
Speaker 3: Each other. There's plenty of there's plenty of them. I
Speaker 3: be feeling for y'all ladies sometimes because these dudes are here. Boy.
Speaker 3: But anyway, that's a whole other segment. But so I've
Speaker 3: never I've never been been known to be a sin
Speaker 3: you know what I mean. But I guess that definition
Speaker 3: is broad. So my simp story. Damn, that is tough.
Speaker 3: So I did get played. I got played. I was
Speaker 3: in Iowa, right. I had a woman. We have been
Speaker 3: dating for some years and and I don't know what
Speaker 3: it is about us black men and our driver's license,
Speaker 3: but that thing is always like, you know, it's iffy,
Speaker 3: that driver's license. Yeah. So, so long story short, I
Speaker 3: ended up happening to put a car in her name
Speaker 3: right because my license wasn't right at the time. And
Speaker 3: I was about twenty five years old, so it was
Speaker 3: a little while back, and I put the car in
Speaker 3: her name. Her and I were together, things were going good,
Speaker 3: and we ended up, you know, don't get things got
Speaker 3: a little rocky and we ended up breaking up. And
Speaker 3: next thing I know, I get home one day and
Speaker 3: my cousin tells me, hey, man, the the tow truck
Speaker 3: was here looking for looking for your car, And I'm like,
Speaker 3: looking for my car? What the hell? What do you mean,
Speaker 3: and come to find out she the title was in
Speaker 3: her name.
Speaker 4: So yes, I stole the car, Jody's I literally, yes,
Speaker 4: stole my poor little car.
Speaker 1: Or she just took it back from you.
Speaker 3: No, she just took it because exactly, yes, reposition.
Speaker 2: Payments on it. You were making the payments, so she was.
Speaker 3: I was making the payments. I owned it. I owned it.
Speaker 3: So it was a Hondo Cord. It was a two
Speaker 3: thousand and five Honda Cord. Boy, I love them things too.
Speaker 3: I used to anyway till I came up. But yeah,
Speaker 3: she took she took my poor little car, man, and
Speaker 3: I was. I was devastated, and there wasn't anything I
Speaker 3: could do either, you know what I mean. So that's
Speaker 3: one thing about love, gentlemen, is in ladies, right, we
Speaker 3: tend to trust when we call ourselves in love, and
Speaker 3: there's a thin line between love and hate, and that
Speaker 3: turns quick.
Speaker 2: Gene said, the only trust you should set up is
Speaker 2: at the bank.
Speaker 3: You guys talked that talk. See, if it was in
Speaker 3: a trust name, we wouldn't even have the trip. I
Speaker 3: wouldn't even have to worry about all that. Yeah, that
Speaker 3: would have never happened. So that's my simp story. Damn,
Speaker 3: I'll bring it up bad memories for me.
Speaker 2: That's actually a really good one because I mean that's
Speaker 2: a real lesson learned when you was walking to work
Speaker 2: the next day.
Speaker 3: And you can believe I got that license? Now? Hell
Speaker 3: that ain't man Like?
Speaker 1: Why what is up with niggas and the driver's license?
Speaker 1: Like your license always spending? Never had one issued, but
Speaker 1: been driving your entire life? Weird shit like that?
Speaker 2: Remember what was that look that black man was on
Speaker 2: FaceTime with a judge a car driving with no license?
Speaker 1: Ain't never have but issued? Or But why are we
Speaker 1: talking about trust and stuff? Because when I think about trust,
Speaker 1: I automatically think about sovereign citizenship, okay, and how they
Speaker 1: move right and legally constitutionally, you have the right to
Speaker 1: move around. I have the right to drive. Why do
Speaker 1: I have to have a license to use these roads
Speaker 1: that I pay taxes to have installed?
Speaker 3: Right?
Speaker 1: Why do I need this thing? So a lot of
Speaker 1: people they may not they probably don't think about it
Speaker 1: like consciously in that way. But you have the right
Speaker 1: to travel. How can they just stop you from travel?
Speaker 2: I mean, even thinking about like why do I have
Speaker 2: to pay for electricity? Is everywhere around us. I should
Speaker 2: not have literally.
Speaker 1: Come out the sky have you this weekend?
Speaker 2: I have to pay for this.
Speaker 1: If all of us said, fuck that, we ain't paying
Speaker 1: no taxes, we ain't registering no motherfucking LLCs.
Speaker 2: Fuck y'all.
Speaker 1: If everybody just start getting on that, how can they
Speaker 1: arrest everybody? They can't? Right, just shift the whole system.
Speaker 3: And what the problem is. Problem of problem is some
Speaker 3: of us got to go to jail though, so I
Speaker 3: don't want to be first to go. Hell, that's the ride.
Speaker 1: They just had to. Like, I feel like we are
Speaker 1: under a cyber attack, right and all this ship that happened.
Speaker 1: Can you have jail systems down? One of my homegirls
Speaker 1: works for the jail systems is down. Banks were down,
Speaker 1: airlines were down. So this and I feel like they've
Speaker 1: been priming us for the last year year and a half.
Speaker 1: So we don't know what the hell is about to happen.
Speaker 2: But Sally May was working fine. I got a message.
Speaker 2: I was like, damn y'all, say.
Speaker 3: Wow money.
Speaker 2: Sally Bay said, we straight baby one.
Speaker 1: One thing I want to get into before we before
Speaker 1: we get out of here, though, But you know from
Speaker 1: the previous conversation before we actually started recording. You are engaged,
Speaker 1: and you you told us this is your first sister. Okay,
Speaker 1: because he is from Ireland, y'all, y'all, O case, don't
Speaker 1: judge him.
Speaker 3: She's sad.
Speaker 1: But how's the switch going for you? Is it different?
Speaker 1: Did you just never know that we were this amazing
Speaker 1: like the internet were?
Speaker 2: You're not attracted to black women?
Speaker 3: Okay?
Speaker 1: Probably right?
Speaker 3: So yeah, y'all just verize me with the black women questions.
Speaker 3: So let me try to hit one by one real quick. Yeah,
Speaker 3: damn like yeah, nigga. Hell so, yeah, y'all are too funny.
Speaker 3: So being from Iowa, right, there isn't a lot of
Speaker 3: black folks up there, so so the selection of black
Speaker 3: women there wasn't many. And it's mainly it's primarily white people, right,
Speaker 3: White women, and hell, y'all know, I mean I think
Speaker 3: everybody know this. White women love black men. I know,
Speaker 3: it is what it is, you know, I guess so,
Speaker 3: so I mean that's why I exist. Hell my mom white,
Speaker 3: my dad's black, right, So, so there wasn't much of
Speaker 3: a selection that there. And and really honestly, all of
Speaker 3: the negative stereotypes and connotations, right that have been just
Speaker 3: laid on black women unfortunately, and so my mind was
Speaker 3: warped by the matrix, to be honest with you, And
Speaker 3: so when I moved to Houston, obviously there's a variety
Speaker 3: of people here, it's all of beautiful. Black culture is great, successful, yesh,
Speaker 3: I'm telling you yes. So So anyway, when I met
Speaker 3: my fiance Raven, I mean, everything was different everything. So
Speaker 3: so once you go black, you never go back. That
Speaker 3: is That's the truest statement I ever heard in my life. Now,
Speaker 3: I used to say it just because it was a
Speaker 3: saying No, that shit's true. Hell, everything's better on this side.
Speaker 3: So if y'all could take any advice from me that
Speaker 3: at least you gotta at least try it once they
Speaker 3: the black woman.
Speaker 2: That effect is real. It's not just a TikTok. It's real.
Speaker 3: Listen. Yes, I'm a living testament. Hell, I ain't even
Speaker 3: afraid to say it. Hell, plus y'all are. But black
Speaker 3: women are just really, honestly, to me, the most powerful
Speaker 3: beings on the planet. You know, and then y'all have
Speaker 3: had to be just because of what society has done.
Speaker 3: But just naturally, you know, black women are incredibly powerful
Speaker 3: and incredibly nurturing and the givers of life. I mean,
Speaker 3: I was just like, damn, what took me so long?
Speaker 2: Because I appreciate that you said powerful instead of strong.
Speaker 2: I hate being called a strong black woman. I think
Speaker 2: that should be an adjective for men. Nobody ever says, oh,
Speaker 2: she's a strong Asian woman or she's a strong Puerto Rican.
Speaker 2: No nobody ever says that. It's just only attributed to
Speaker 2: Black women. And I think we should be described more
Speaker 2: as delicate flowers that we are, you know, and stop
Speaker 2: calling strong. Powerful is a better term. So I appreciate
Speaker 2: you for saying that, because if you would have said strong, yeah, yeah, yeah.
Speaker 3: I get it. I get it. Yeah, y'all been hold
Speaker 3: y'all been waiting on me too, So I'm staying on
Speaker 3: the good side. Damn it.
Speaker 2: Geene, tell everybody where they can buying you. Plug all
Speaker 2: your things, plug everything.
Speaker 3: Yes, so every all of my social media's are are
Speaker 3: at the go Getter Family right, the go get Her
Speaker 3: Family g O G E T T E R. Go
Speaker 3: get Her Family and then you can go to the
Speaker 3: go Getter family dot com to check it out. I've
Speaker 3: got free resources for people too. You can get a
Speaker 3: buying free foreclosures guide for free that'll get you into
Speaker 3: the game. And then uh the Secret Art of Asset
Speaker 3: Protection at the go Getter family dot com as well,
Speaker 3: which is a basic guy that's forty eight pages of
Speaker 3: pure gold. So come check us out and get become
Speaker 3: part of this revolution and really take control of your
Speaker 3: life and your fine it.
Speaker 2: Love this. This was really good. Yeah, you drop some
Speaker 2: amazing information. I'm going to reach out to you personally
Speaker 2: for some mentorship. Seriously, Like I said that, that same
Speaker 2: as account ain't looking the same like it was doing
Speaker 2: in twenty twenty. It don't look the same. So I
Speaker 2: definitely want to, you know, get my feet wet. So
Speaker 2: they thank you so much, Gene. We appreciate you.
Speaker 3: Thank you, Thank you ladies. You guys have been great
Speaker 3: and you're amazing.
Speaker 1: Thank you. All right, y'all, we're trying to help y'all
Speaker 1: get this bag. So if you enjoyed this episode, y'all
Speaker 1: tune in every Thursday on the Black Effect podcast iHeartRadio
Speaker 1: app or wherever the fuck you get your podcasts. That
Speaker 1: I did that right anyway, This is your host aj
Speaker 1: Holiday two point zero on Instagrams Kick It Tam y'all.
Speaker 2: It's official tam band on Instagram. I love y'all so much.
Speaker 2: Thank y'all for tuning in.
Speaker 1: Remember speak now and let me see I don't know.
Speaker 1: Never hold your peace, you.
Speaker 2: Guys, say something, I got it. And never go into
Speaker 2: foreclosure or maybe do it so we can go get
Speaker 2: that house. Deuces