WEBVTT - Arian Simone Full Interview

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<v Speaker 1>Absolutely. I'm your host, Rashan McDonald. Welcome to Money Making Conversation.

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<v Speaker 1>Each Money Making Conversation talk show is about entrepreneurship and entertainment.

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<v Speaker 1>I provide the consumer and business owner access to celebrity CEOs,

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<v Speaker 1>entrepreneurs and industry decision makers. I recognize that we all

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<v Speaker 1>have different definitions of success. For some insuscisable paycheck. Mind

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<v Speaker 1>is helping people wake up and inspiring them to accomplish

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<v Speaker 1>their goals and live their very best life. These are

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<v Speaker 1>my passions and when I'm talking to people of people

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<v Speaker 1>are hearing these interviews that I do with so many

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<v Speaker 1>fantastic people that come on the show. I just wanted

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<v Speaker 1>people to stop tripping over small challenges and prepare to

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<v Speaker 1>rise above the bigger obstacles of life will present to them.

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<v Speaker 1>That's the purpose of Money Making Conversation to give interviews

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<v Speaker 1>that are relatable to listeners about career and financial planning, entrepreneurship, motivation, leadership,

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<v Speaker 1>overcoming the arts and how to live it balance life.

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<v Speaker 1>My next guest has transitioned from working with billion dollar

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<v Speaker 1>entertainment clients such as Sony Pictures, Walt Disney, Universal and more,

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<v Speaker 1>to co founding and operating the Fearless Fund. The admission

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<v Speaker 1>is to bridge the gap and venture capital funding for

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<v Speaker 1>women of color. She is an entrepreneur for Lanthropist, investor,

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<v Speaker 1>bestselling author, international speaker and PR and marketing. Still living

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<v Speaker 1>in manually taking notes. There is a better way to

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<v Speaker 1>That's O T T e r dot ai. This podcast

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<v Speaker 1>is sponsored by Better Help Online Therapy. I'm Michlene Malouf

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<v Speaker 1>and I'm Nadiadesi, licensed therapists and hosts of Getting Better

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<v Speaker 1>Stories of Mental Health. Join us for discussions with Megan Trainer,

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<v Speaker 1>Getting Better Stories of Mental Health on iHeart Apple Podcasts

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<v Speaker 1>and Spotify. Okay, so we have the car payment, the rent,

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<v Speaker 1>utilities and the repair bill. What should we do I know.

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<v Speaker 1>to apply for the money you need now. The exact

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<v Speaker 1>timing is to when your loan funds will be available

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<v Speaker 1>will be determined by your banking institution. Fashlist. She has

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<v Speaker 1>on the show today to disgust her new book, which

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<v Speaker 1>I read and I'm excited to share with our audience today.

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<v Speaker 1>It's called The Fearless Money Mindset Broke doesn't Scare Me.

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<v Speaker 1>Seven principles for financial success. Please welcome the money making conversation,

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<v Speaker 1>Arian Simone. Thank you a lot talking about fighting. Got

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<v Speaker 1>start talking to you girl, you got a lot going on.

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<v Speaker 1>Thank you. I actually have a story to tell you. Okay, great.

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<v Speaker 1>We met years ago. Oh my god, we met years

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<v Speaker 1>ago when you were Vicky h you know some you

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<v Speaker 1>know some apple bottom. What No, it wasn't that floor,

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<v Speaker 1>absolutely absolutely, but I used to when I was living

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<v Speaker 1>out the office space. I was living in the office

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<v Speaker 1>space on the floor. Yeah, you guys are on the

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<v Speaker 1>nineteen Absolutely absolutely, This is when I was romeless and

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<v Speaker 1>I went some living and living in the office space,

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<v Speaker 1>and every morning I would sneak in to the radio station.

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<v Speaker 1>And after a while you just didn't let her come in. Yes, yes, yes, yeah,

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<v Speaker 1>you know. And when I was hearing your name, I

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<v Speaker 1>could you see Apple Bottom because I know, I know,

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<v Speaker 1>I know I've run into her. I know, I know

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<v Speaker 1>I know him. Yes, I used to come in every morning,

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<v Speaker 1>ton who was in there? Because my parent marketing company

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<v Speaker 1>that I was building from ground up, I was on

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<v Speaker 1>the twenty six floor. I was living at the office

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<v Speaker 1>at hers. And I said, it's not gonna believe this.

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<v Speaker 1>In the one I got the information about the interview,

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<v Speaker 1>I said, oh, he didn't realize we go back to

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<v Speaker 1>two thousand and four. Absolutely absolutely, because we left in

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<v Speaker 1>two thousand and five, because you know when I was

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<v Speaker 1>when I was going through your bio and I said,

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<v Speaker 1>it's no way to myself. I said, there's no way

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<v Speaker 1>I have to have met her. I have to have

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<v Speaker 1>met her. And I looked at the look at your

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<v Speaker 1>picture when she looks so familiar. So for me, so

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<v Speaker 1>for you to share that story with me, I really,

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<v Speaker 1>really makes me feel good because you're such a talented person.

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<v Speaker 1>And and then reading your book and looking at the bio,

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<v Speaker 1>your history, you know, it's about hard work and overcoming

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<v Speaker 1>the arts, but more importantly not giving up. And I'm

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<v Speaker 1>highly recommending people to buy your book. I'm gonna putting

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<v Speaker 1>in my newsletter. But let's let's you know, let's let's

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<v Speaker 1>just talk about a little bit about the beginning, you know,

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<v Speaker 1>from the trot. Then you went down to tallahas and

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<v Speaker 1>the family me HBC, you got your m b A.

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<v Speaker 1>Why Detroit, the family in Detroit, Detroit family. That's that's

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<v Speaker 1>very cold, the very hot mosquitoes. No mosquitoes. Yes, at

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<v Speaker 1>the time, I attended Famie starting ninety nine. But in

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<v Speaker 1>ven according to Times in Princeton Review, they got raided

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<v Speaker 1>at the College of the Year and Sam, you was

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<v Speaker 1>in a moment where it was just so hot, and

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<v Speaker 1>it's a business school, that's number one. UM. And I

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<v Speaker 1>had offered from like Harvard to you of them too,

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<v Speaker 1>I mean, for you name it, from ivy leagues, the

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<v Speaker 1>big state schools. And when I saw those things coming

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<v Speaker 1>from Family, I said, I'm going there. Yes. All I

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<v Speaker 1>had to do was a ten for a few days

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<v Speaker 1>after this visit, I loved my decision is made, well,

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<v Speaker 1>the best decisions I've ever made. Well, what why? Why

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<v Speaker 1>is that with hbc is I really try to talk

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<v Speaker 1>about the you know, the historical factor. I always tell people,

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<v Speaker 1>if we didn't have HBCUs, it really wouldn't be black

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<v Speaker 1>education because they wouldn't let us go to school in

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<v Speaker 1>the South from somebody mean racist behavior. And they were

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<v Speaker 1>limited through quotas does to inner schools in the northrom

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<v Speaker 1>to my white school. So that's that's why HBCUs were

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<v Speaker 1>creating and needed. So going into that, you had all

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<v Speaker 1>these offers from basically white colleges and then there's beautiful

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<v Speaker 1>black campus and tallahasar Florida, you just you just felt

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<v Speaker 1>a kinship you walking around seeing people look like you.

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<v Speaker 1>What was it? Oh, it's very empowering. I grew up

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<v Speaker 1>in Detroit. It was over eighty percent black girl up there.

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<v Speaker 1>From there, it was it was the love. It was

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<v Speaker 1>the accountability to this day, not professors on social media

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<v Speaker 1>and still roots for me to stay. I can see

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<v Speaker 1>them chining on the comments or safebook and that type

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<v Speaker 1>of rich relationship. You're just not gonna get us a

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<v Speaker 1>black civil onto a p W. I I highly doubt

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<v Speaker 1>that your profectors still even remember you, let alone that

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<v Speaker 1>they are invested in your future beyond those four years

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<v Speaker 1>that you were there. You know, they still look out

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<v Speaker 1>for me, they still share resource for me. I was

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<v Speaker 1>on the call then other day Mr School. So it's

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<v Speaker 1>truly family. It's truly safety. In addition to just attending

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<v Speaker 1>an institution, which is a priceless experience, you were not

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<v Speaker 1>as a black person going to have the kind of

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<v Speaker 1>environment with that kind of accountability and love that's going

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<v Speaker 1>to be poured into They want you to win because

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<v Speaker 1>you look like this. You are their child, you know.

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<v Speaker 1>So it's I encourage HBCUs for African Americans all day long.

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<v Speaker 1>It has been beneficial to my career and that trajectory

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<v Speaker 1>is my career and then all of the resources that

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<v Speaker 1>I've received. The family network is real, it is much so,

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<v Speaker 1>you know, it's really important that people understand going somewhere,

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<v Speaker 1>will you comfortable going somewhere where you cre relationships in

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<v Speaker 1>the long term, because that's one of the chapters in

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<v Speaker 1>your book, the relationship Principle. We're gonna get to that

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<v Speaker 1>chapter six, I believe, you know, because you know, you know,

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<v Speaker 1>And just sitting here, uh, it allowed me time here

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<v Speaker 1>and you speak allowed me to remember our relationship back

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<v Speaker 1>in two thousand and four. Kind God, do I remember.

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<v Speaker 1>And I'm gonna tell you something, you know, the one

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<v Speaker 1>and I and I'm not remembering everything, and I'm kind

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<v Speaker 1>of I'm remembering everything a little bit here. I remember.

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<v Speaker 1>The thing that stood out for me was that your

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<v Speaker 1>energy and your smile and your professionalism. You know, I

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<v Speaker 1>don't so I didn't know you was homeless on the

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<v Speaker 1>twenty sixth floor. I didn't know that. Okay, So I

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<v Speaker 1>wasn't doing that. I wasn't doing in the favors because

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<v Speaker 1>I thought I was. I was feeling sorry for you

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<v Speaker 1>because I didn't know your situation. All I know is

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<v Speaker 1>that your game was tight and so and I and

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<v Speaker 1>I learned that about myself and I one of the

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<v Speaker 1>things bout money making conversations. I've discovered so many relationships

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<v Speaker 1>that I had with people I didn't know just because

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<v Speaker 1>I just felt that, Hey, everybody, it was a shot.

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<v Speaker 1>That's my personality. Everybody deserves a shot, especially people who

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<v Speaker 1>are working hard and and showing a consistent personality. Because

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<v Speaker 1>that was one thing with me. You had to be

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<v Speaker 1>consistent rou sean. If I tell you know and you

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<v Speaker 1>walk away, then you would you should not be in

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<v Speaker 1>my presence. But I couldn't tell you know. I could

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<v Speaker 1>not tell you no. It was like no, it's like

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<v Speaker 1>you you were like, you know, like like that matrix.

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<v Speaker 1>You dogs that no you dogs that let on in

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<v Speaker 1>let on it like she cool, she cool, she cool.

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<v Speaker 1>And that's really a strong driving force to why you

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<v Speaker 1>were successful today. Not that you're arrogant. You just understand

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<v Speaker 1>your confident you you believe in the values that God

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<v Speaker 1>has put on this earth that you shouldn't be afraid.

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<v Speaker 1>And I guess that that was me telling you we

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<v Speaker 1>met because I was a big personality on two thousand

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<v Speaker 1>and four, and I was a pretty big personality, and

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<v Speaker 1>so because Steve just called me black Cloud. So I

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<v Speaker 1>would tell people know, and I would tell people to

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<v Speaker 1>get out of my face really really quick. But you,

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<v Speaker 1>my friend, that was not was not happening. Talk about

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<v Speaker 1>that ability to would not be afraid before we get

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<v Speaker 1>into the book. Oh my gosh. Um, well, it's hard

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<v Speaker 1>of me, I would say, is in the book. It

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<v Speaker 1>isn't even the intro I definitely, but I believe in

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<v Speaker 1>tapping into that. I believe that when you move without limits,

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<v Speaker 1>that doors open up on your behalf. So I don't

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<v Speaker 1>I don't approach things from this that space. I definitely

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<v Speaker 1>approaching from a very fearless space. Um. And then then

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<v Speaker 1>our confidence just goes forth. And I said, doors just opened. Um.

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<v Speaker 1>But yeah, I don't. I don't believe you should operate

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<v Speaker 1>from that space. You need to operate from a level

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<v Speaker 1>of surreness. You need to operlate, operate from a level

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<v Speaker 1>of confidence if you plan on for killing anything in life.

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<v Speaker 1>And I always oldren have those features. So it's just

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<v Speaker 1>up for us. You came into the world like that,

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<v Speaker 1>it's up for us to make sure we tap back

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<v Speaker 1>into that because it was nothing but the world started

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<v Speaker 1>projecting its way onto you when people started saying different

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<v Speaker 1>things to you. But who you are before you are

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<v Speaker 1>confident you are in yourself? What did you get all

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<v Speaker 1>the forest from the trees and all that? That's a

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<v Speaker 1>beautiful statement. You know. Your book has seven chapters that

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<v Speaker 1>believe principle, the thought principle, the speech principle, the principle

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<v Speaker 1>of sewing, sewing, and the action principle. The relationship principle,

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<v Speaker 1>the principle of stewardship. I was a quote in the

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<v Speaker 1>book that I pulled out that really stood out to

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<v Speaker 1>me and said, if I believe something was going to

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<v Speaker 1>happen for me, that's as you're talking. I refused to

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<v Speaker 1>entertain any thoughts that will counter what I believe. Oh

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<v Speaker 1>that was you meeting me. That was that when we met.

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<v Speaker 1>You know before the book, you were on the twenty

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<v Speaker 1>sixth floor. I didn't know that homeless, but you had

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<v Speaker 1>a vision. But that didn't stop you. In other words, see,

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<v Speaker 1>a lot of people allow other things to stop them. Excuse.

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<v Speaker 1>I call him excuses because we don't all wake up

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<v Speaker 1>the same every day. We don't wake up with good days.

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<v Speaker 1>Something I wake up, I don't even want to get

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<v Speaker 1>out of bed, but I still get out of bed.

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<v Speaker 1>That doesn't mean I'm gonna have an unsuccessful day. And

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<v Speaker 1>that's what that that you're saying right there. If I believe,

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<v Speaker 1>if I'm want a mission to be successful, why should

0:12:17.679 --> 0:12:20.559
<v Speaker 1>I suddenly stop myself from being successful? That's a that's

0:12:20.559 --> 0:12:27.880
<v Speaker 1>an amazing thought. Where did that come from? Parents? Where? Well? Sam? You?

0:12:28.120 --> 0:12:30.920
<v Speaker 1>What did that? What did that thought process developed? Fifteen

0:12:31.480 --> 0:12:36.640
<v Speaker 1>eighteen win. Okay, this I honestly can't probably pain for

0:12:36.720 --> 0:12:40.280
<v Speaker 1>at the time I am. I can't. So I am

0:12:40.320 --> 0:12:42.720
<v Speaker 1>a woman of strong faith, but I don't know when

0:12:42.760 --> 0:12:49.160
<v Speaker 1>I started. I don't know that. I think my parents

0:12:49.280 --> 0:12:57.320
<v Speaker 1>probably allowed me to be and adventurous. Um, I know

0:12:57.400 --> 0:12:59.199
<v Speaker 1>I do. And book I tell the third about like

0:12:59.200 --> 0:13:01.040
<v Speaker 1>how my mother took me on to the parking lot

0:13:01.440 --> 0:13:03.839
<v Speaker 1>to get my first car. And she was in a

0:13:04.000 --> 0:13:06.520
<v Speaker 1>used car section and I told her that's not what

0:13:06.640 --> 0:13:10.679
<v Speaker 1>I wanted, and what did you want? And I pointed

0:13:10.679 --> 0:13:13.439
<v Speaker 1>open to the car that was on the show rong

0:13:13.520 --> 0:13:19.160
<v Speaker 1>floor and it was spinning farther on it and the

0:13:19.320 --> 0:13:21.600
<v Speaker 1>and the red color and the two doors and the

0:13:21.640 --> 0:13:24.800
<v Speaker 1>rens and she listened. She said, well you could have it,

0:13:24.840 --> 0:13:27.719
<v Speaker 1>and I got excited and then she paused, because you're

0:13:27.720 --> 0:13:30.720
<v Speaker 1>gonna pay for it, And I was like, ill came

0:13:30.920 --> 0:13:35.120
<v Speaker 1>rides to the occasion. Well, I was always taught that

0:13:35.200 --> 0:13:39.240
<v Speaker 1>everything was possible and was in my reach. Well that

0:13:39.240 --> 0:13:42.839
<v Speaker 1>that was foremost. Now how you got there, you just

0:13:42.920 --> 0:13:45.199
<v Speaker 1>had to fingure it out. But that I was on

0:13:45.880 --> 0:13:49.160
<v Speaker 1>that that's awesome because you know, because of the fact

0:13:49.160 --> 0:13:51.640
<v Speaker 1>that that's what I'm saying is that we have a

0:13:51.640 --> 0:13:54.360
<v Speaker 1>lot of similar characterists. I remember the first car I

0:13:54.400 --> 0:13:57.640
<v Speaker 1>got was a used car boy the first car in

0:13:57.760 --> 0:14:01.240
<v Speaker 1>high school to beat up Pinto forth Pento. And I

0:14:01.320 --> 0:14:04.720
<v Speaker 1>told myself, I said, I said I would never drive

0:14:04.760 --> 0:14:08.840
<v Speaker 1>a car with more than fifteen miles on it. Again,

0:14:09.920 --> 0:14:13.440
<v Speaker 1>I said that to myself. I just knew and that

0:14:13.520 --> 0:14:15.920
<v Speaker 1>was just my da. I always tell people certain ways.

0:14:15.960 --> 0:14:18.400
<v Speaker 1>You said, goals in life, you know, so I didn't.

0:14:18.520 --> 0:14:20.800
<v Speaker 1>I wasn't telling anybody I was gonna buy a new car.

0:14:21.120 --> 0:14:22.880
<v Speaker 1>But you know, if you have a car with fifteen

0:14:22.880 --> 0:14:25.880
<v Speaker 1>miles or less on it, that's a new car. And

0:14:25.960 --> 0:14:29.240
<v Speaker 1>so that's a standard that you set for yourself. You said,

0:14:29.600 --> 0:14:31.680
<v Speaker 1>I don't want that. Why can't I get that? And

0:14:31.720 --> 0:14:34.960
<v Speaker 1>how can I get that? And that's goal setting, but

0:14:35.040 --> 0:14:38.720
<v Speaker 1>without but with natural instincts tied to it by having

0:14:38.720 --> 0:14:41.200
<v Speaker 1>the standard you set, but not going to a school

0:14:41.200 --> 0:14:44.160
<v Speaker 1>and somebody telling you, here's your vision board. So you're

0:14:44.360 --> 0:14:47.960
<v Speaker 1>you're walking talking vision vision board. M small, that's what

0:14:48.040 --> 0:14:53.760
<v Speaker 1>you are. Anybody tell you that, anybody tell you that, No,

0:14:54.040 --> 0:14:57.440
<v Speaker 1>I think you will. You read this book. You read

0:14:57.480 --> 0:15:00.640
<v Speaker 1>this book. You're walking talking vision board. Because I'm telling

0:15:00.640 --> 0:15:02.560
<v Speaker 1>you something I kept we're looking at I kept reading

0:15:02.560 --> 0:15:04.480
<v Speaker 1>this book. We're gonna go to break because I want

0:15:04.520 --> 0:15:07.200
<v Speaker 1>to talk about something because you hit. I'm talking about

0:15:07.200 --> 0:15:09.880
<v Speaker 1>if you if I if I found a young lady

0:15:09.920 --> 0:15:12.440
<v Speaker 1>who was a younger version, but a female version of

0:15:13.400 --> 0:15:19.520
<v Speaker 1>I'm talking to her right now. It's finally here, the

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<v Speaker 1>dot ai. You know. Here's the thing our belief influence

0:17:18.000 --> 0:17:22.440
<v Speaker 1>is that our belief influence our behavior. We are born bold.

0:17:24.280 --> 0:17:26.880
<v Speaker 1>I always talking. I always tell people that That's why

0:17:26.880 --> 0:17:30.439
<v Speaker 1>I can't understand people who treat kids terrible, you know,

0:17:30.640 --> 0:17:33.600
<v Speaker 1>abused kids, because kids just just they just want information.

0:17:33.640 --> 0:17:36.040
<v Speaker 1>They just want to whatever you give them. You tell

0:17:36.040 --> 0:17:37.399
<v Speaker 1>them to go left, they go left, you tell them

0:17:37.440 --> 0:17:39.399
<v Speaker 1>go right, there, go right. So they just they just

0:17:39.480 --> 0:17:43.919
<v Speaker 1>an energy just waiting. They just just absorb stuff. And

0:17:43.960 --> 0:17:47.159
<v Speaker 1>that statement right there, we are born bold? But what

0:17:47.160 --> 0:17:50.040
<v Speaker 1>what pushes off to what pushes us off? The railroad track? Though?

0:17:50.080 --> 0:17:56.879
<v Speaker 1>Mrm all? What what tell me? People and thought? People

0:17:56.920 --> 0:17:59.959
<v Speaker 1>and thought? You've allowed somebody to project their way. You're

0:18:00.119 --> 0:18:07.080
<v Speaker 1>thankful you. I totally agree. I always tell people, is

0:18:07.160 --> 0:18:10.760
<v Speaker 1>that there's people around you, people who loved you or

0:18:10.800 --> 0:18:12.919
<v Speaker 1>say they love you. Stop can stop your dream. It

0:18:12.920 --> 0:18:16.760
<v Speaker 1>can be your boyfriend, your husband, your partner, your kids,

0:18:17.200 --> 0:18:20.159
<v Speaker 1>your minister, your daddy, your mom. All these people can

0:18:20.200 --> 0:18:22.960
<v Speaker 1>stop you with bad thoughts. And I always telling you,

0:18:23.000 --> 0:18:25.080
<v Speaker 1>and she talks about this in the book don't talk

0:18:25.119 --> 0:18:28.359
<v Speaker 1>to nobody. Don't know about that. They can't understand the

0:18:28.400 --> 0:18:31.000
<v Speaker 1>capabilities of your dream. In other words, if you're trying

0:18:31.040 --> 0:18:34.200
<v Speaker 1>to be a doctor. Don't talk to a mechanic. He

0:18:34.320 --> 0:18:36.520
<v Speaker 1>don't know nothing about that. You're trying to be a lawyer,

0:18:36.680 --> 0:18:38.600
<v Speaker 1>don't talk to somebody over there, they don't know nothing.

0:18:38.640 --> 0:18:41.920
<v Speaker 1>By lawyer, you can't do that. And so that's why

0:18:42.000 --> 0:18:44.159
<v Speaker 1>I love this book because of the fact that she

0:18:44.480 --> 0:18:47.560
<v Speaker 1>breaks it down in the natural world. When I say

0:18:47.560 --> 0:18:50.119
<v Speaker 1>a natural world means that we all go through life

0:18:50.440 --> 0:18:54.359
<v Speaker 1>wondering if we can be great, and your book tells

0:18:54.400 --> 0:18:56.840
<v Speaker 1>us we can be great, but also points out with

0:18:57.000 --> 0:18:59.639
<v Speaker 1>stopping up from being great. Now, how long did it

0:18:59.640 --> 0:19:01.960
<v Speaker 1>take you to write this book? Because this book is

0:19:02.000 --> 0:19:05.680
<v Speaker 1>on fire than it just came out the presses because

0:19:05.680 --> 0:19:08.040
<v Speaker 1>you're talking about COVID ninteen in't here. That's how that's

0:19:08.080 --> 0:19:11.320
<v Speaker 1>our current this book is. I couldn't believe I was talking.

0:19:11.400 --> 0:19:15.760
<v Speaker 1>I've reading her book and she's talked about COVID ninteen. Yeah,

0:19:15.800 --> 0:19:21.080
<v Speaker 1>it has been updated. Um, I's say about eight months

0:19:21.080 --> 0:19:24.439
<v Speaker 1>for that one. And honestly that's because I wasn't more

0:19:24.480 --> 0:19:27.680
<v Speaker 1>of the final edit. I didn't know. I didn't even

0:19:27.760 --> 0:19:32.080
<v Speaker 1>know that my book would be releasing during a period

0:19:32.080 --> 0:19:35.240
<v Speaker 1>where people would be having a global economic impact on

0:19:35.280 --> 0:19:38.520
<v Speaker 1>their finances. Come on now. I had no clue, so

0:19:38.600 --> 0:19:41.800
<v Speaker 1>of course, yeah, we went back and updated something. But yeah,

0:19:42.040 --> 0:19:44.800
<v Speaker 1>I am I am plan on that at all. I'm

0:19:44.840 --> 0:19:47.920
<v Speaker 1>gonna reading this book. She isn't morth of junish. I'm

0:19:47.920 --> 0:19:51.840
<v Speaker 1>reading a book about COVID ninteen. That's a that's our relevant,

0:19:51.880 --> 0:19:54.520
<v Speaker 1>this young lady is, that's how that's our own point.

0:19:54.560 --> 0:19:57.959
<v Speaker 1>She is with our conversations about getting this active. And

0:19:57.960 --> 0:20:00.280
<v Speaker 1>we're not talking about a book that God released last year.

0:20:00.640 --> 0:20:04.840
<v Speaker 1>We're talking about on the money right now now. Now,

0:20:04.880 --> 0:20:08.520
<v Speaker 1>as a speaker, what motivates you? What is the goals

0:20:08.560 --> 0:20:12.040
<v Speaker 1>when you go on stage or people ask you to speak?

0:20:12.960 --> 0:20:15.920
<v Speaker 1>What's the purpose of you speaking to people? What? What?

0:20:16.080 --> 0:20:20.000
<v Speaker 1>What are you trying to emote or trying to get

0:20:20.000 --> 0:20:24.280
<v Speaker 1>them to understand when you're speaking understood? First of all,

0:20:24.320 --> 0:20:27.520
<v Speaker 1>I'm definitely a service that I take the stage. And two,

0:20:27.880 --> 0:20:29.600
<v Speaker 1>and what I mean by that is people are only

0:20:29.600 --> 0:20:32.720
<v Speaker 1>going to remember the speech that applies to them. They

0:20:32.720 --> 0:20:34.920
<v Speaker 1>could care less about what you're saying about your life

0:20:34.920 --> 0:20:37.200
<v Speaker 1>is not applicable to what they're going through, what they're

0:20:37.240 --> 0:20:42.040
<v Speaker 1>dealing with, And to my message is always a fearless

0:20:42.119 --> 0:20:45.879
<v Speaker 1>methods when you remove those fears from your mind. Because

0:20:45.960 --> 0:20:48.760
<v Speaker 1>the ways of mind is designed, it can shift towards

0:20:48.760 --> 0:20:51.240
<v Speaker 1>the negative bias kind of quickly when you don't put

0:20:51.240 --> 0:20:54.639
<v Speaker 1>in the work because we beings who were created to

0:20:54.760 --> 0:20:58.760
<v Speaker 1>be mindful for survival reasons if danger was coming. But

0:20:58.880 --> 0:21:00.960
<v Speaker 1>we're not in though and the fields right now. We're

0:21:00.960 --> 0:21:04.880
<v Speaker 1>not running from lions, we're not around and am over

0:21:04.960 --> 0:21:07.080
<v Speaker 1>anything of that type of danger. So we just have

0:21:07.200 --> 0:21:10.480
<v Speaker 1>to be very conscious that we're always operating from a

0:21:10.520 --> 0:21:15.639
<v Speaker 1>place of a positive bias. So what's that being said?

0:21:15.720 --> 0:21:18.960
<v Speaker 1>You have to put in the work with these negative

0:21:18.960 --> 0:21:20.679
<v Speaker 1>things that people have put on you. You're gonna have

0:21:20.680 --> 0:21:23.480
<v Speaker 1>to pick all those things off so that I go

0:21:23.720 --> 0:21:26.639
<v Speaker 1>when I step onto a stage. Okay, and believe me,

0:21:26.680 --> 0:21:29.640
<v Speaker 1>you're fearless. Now, ra Sean made a statement. That's ra Sean,

0:21:29.680 --> 0:21:32.800
<v Speaker 1>that's I'm talking about myself, third person. Okay. I made

0:21:32.800 --> 0:21:35.879
<v Speaker 1>a statement that if I had to see somebody that

0:21:35.960 --> 0:21:38.200
<v Speaker 1>was a younger version of me, but it was a female,

0:21:38.720 --> 0:21:42.160
<v Speaker 1>I'm talking to her right now, arian someone. Okay, Well,

0:21:42.240 --> 0:21:44.600
<v Speaker 1>you said every Sean. Well, in her book she talks

0:21:44.600 --> 0:21:49.320
<v Speaker 1>about this, uh, this conference that she was thrown and

0:21:49.320 --> 0:21:52.000
<v Speaker 1>it hit her with a budget. There was like almost

0:21:52.240 --> 0:21:54.600
<v Speaker 1>a half million dollars. Okay, when the guy came in

0:21:54.640 --> 0:21:58.159
<v Speaker 1>and this is what it's gonna cost, and she had

0:21:58.200 --> 0:22:00.480
<v Speaker 1>never done this before. That remind to me when I

0:22:00.520 --> 0:22:03.639
<v Speaker 1>threw my through My first neighborhood awards was HOODI Awards

0:22:03.680 --> 0:22:07.199
<v Speaker 1>in l A. I had never done that before, avering

0:22:08.040 --> 0:22:11.280
<v Speaker 1>and I had a budget and I pulled it off.

0:22:11.320 --> 0:22:13.960
<v Speaker 1>That's one story right there. Then she gets into the

0:22:13.960 --> 0:22:16.880
<v Speaker 1>book and she talks about her favorite story to shopping

0:22:17.800 --> 0:22:24.520
<v Speaker 1>is Ze Gallery. You want to know, Mrs Simone, one

0:22:24.520 --> 0:22:30.960
<v Speaker 1>of my favorite stories to shopping is z Gallery. Then

0:22:31.040 --> 0:22:34.919
<v Speaker 1>she goes, Then she goes right here, Where did she

0:22:34.960 --> 0:22:39.400
<v Speaker 1>go to church in Los Angeles? At West Angeles Church

0:22:39.440 --> 0:22:42.880
<v Speaker 1>of Garden Christ. What do you think ras Sean went

0:22:43.200 --> 0:22:52.800
<v Speaker 1>in Los Angeles? Bishop Blake. Then Rashan McDonald doesn't accept

0:22:52.840 --> 0:22:56.880
<v Speaker 1>no for an answer, because I would walk. In a book,

0:22:56.920 --> 0:23:00.880
<v Speaker 1>she talks about walking and being being, being, being a confident.

0:23:01.240 --> 0:23:03.080
<v Speaker 1>I would walk in places. Of course, you know, always

0:23:03.119 --> 0:23:05.080
<v Speaker 1>had a tailor suit over, so that helped a little bit.

0:23:05.760 --> 0:23:08.840
<v Speaker 1>I would walk in venues, wouldn't pay. I just look

0:23:08.880 --> 0:23:11.640
<v Speaker 1>at people and you walk on by, like I supposed

0:23:11.640 --> 0:23:13.840
<v Speaker 1>to be. I'm supposed to be in the venue. She

0:23:13.960 --> 0:23:17.879
<v Speaker 1>talks about this in the book presenting yourself as a success,

0:23:17.920 --> 0:23:21.560
<v Speaker 1>presenting yourself like you belong, presenting yourself so people can

0:23:21.560 --> 0:23:24.560
<v Speaker 1>treat you like a king or a queen that you

0:23:24.600 --> 0:23:34.119
<v Speaker 1>are that is, that is me mrmone if we have

0:23:34.400 --> 0:23:41.840
<v Speaker 1>medicines two thousand four. So so when I see it,

0:23:41.880 --> 0:23:47.360
<v Speaker 1>when I read about the Fearless fun, now I go, okay,

0:23:48.520 --> 0:23:52.639
<v Speaker 1>it's everything is natural for me. Now everything makes sense

0:23:52.640 --> 0:23:55.560
<v Speaker 1>to me why I'm interviewing you on this show today,

0:23:56.320 --> 0:23:59.879
<v Speaker 1>because you have a quality within you that truly is

0:24:00.000 --> 0:24:02.480
<v Speaker 1>hear list. I've never used the word fearless. I always

0:24:02.520 --> 0:24:05.680
<v Speaker 1>tell people that, you know, I wake up. I wake

0:24:05.760 --> 0:24:07.719
<v Speaker 1>up to get up. I go to sleep to get up.

0:24:07.880 --> 0:24:10.439
<v Speaker 1>That's my goal. I wake up because when I wake up,

0:24:10.440 --> 0:24:12.119
<v Speaker 1>I have a plan. Every time I wake up, I

0:24:12.160 --> 0:24:14.280
<v Speaker 1>don't go to sleep. I was telling the reason why

0:24:14.320 --> 0:24:16.680
<v Speaker 1>of people find it difficult to get out of bed.

0:24:16.880 --> 0:24:18.760
<v Speaker 1>They have no reason to get up. They never set

0:24:18.760 --> 0:24:20.960
<v Speaker 1>a goal to get up. They ever said I'm gonna

0:24:20.960 --> 0:24:23.199
<v Speaker 1>do this when I'm gonna get up. They just what

0:24:23.280 --> 0:24:25.359
<v Speaker 1>I'm gonna do. I know what I'm gonna do when

0:24:25.359 --> 0:24:27.000
<v Speaker 1>I get up. I may not want to get up

0:24:27.080 --> 0:24:29.480
<v Speaker 1>but I know I have some stuff to do. That's

0:24:29.480 --> 0:24:31.640
<v Speaker 1>why I get on up out that bed. And that's

0:24:31.720 --> 0:24:37.000
<v Speaker 1>your personality upside down, Ryn, flip over top everything three sixty.

0:24:37.080 --> 0:24:43.639
<v Speaker 1>That's you. Thank you, thank you so much. And you

0:24:43.720 --> 0:24:47.720
<v Speaker 1>have this beautiful book, you know, and you know when

0:24:47.800 --> 0:24:49.400
<v Speaker 1>you know, when you when you go through the chapters,

0:24:49.400 --> 0:24:52.000
<v Speaker 1>you know, the bleief principle of mind is the terrible

0:24:52.040 --> 0:24:54.679
<v Speaker 1>thing to waste. The thought principle, when you you know

0:24:54.680 --> 0:24:57.359
<v Speaker 1>you believe in something, it will happen, which is which

0:24:57.400 --> 0:25:00.480
<v Speaker 1>is That's how I think, and everybody should think. The

0:25:00.520 --> 0:25:03.440
<v Speaker 1>speech principle, if you say it, you expect it to happen.

0:25:03.680 --> 0:25:06.879
<v Speaker 1>Focused on that happening, all these different things that you

0:25:06.960 --> 0:25:10.359
<v Speaker 1>talked about, you know, the the action principle. You know.

0:25:10.640 --> 0:25:13.560
<v Speaker 1>It's just really really a special book. And you know

0:25:14.000 --> 0:25:16.920
<v Speaker 1>when you when you did you sit down and discuss

0:25:16.960 --> 0:25:20.479
<v Speaker 1>with individuals different chapters or you just just just just

0:25:20.600 --> 0:25:22.359
<v Speaker 1>put it all out there and sat down with an

0:25:22.440 --> 0:25:24.720
<v Speaker 1>editor and said, this is my vision and I want

0:25:24.720 --> 0:25:27.199
<v Speaker 1>to get it. Tell us of thoughts behind getting this

0:25:27.240 --> 0:25:32.720
<v Speaker 1>book out to the press. Oh my gosh, like I said,

0:25:32.720 --> 0:25:38.600
<v Speaker 1>what you said, did I start you down? No? Because

0:25:38.640 --> 0:25:41.400
<v Speaker 1>it looks different it looks. It took on a whole

0:25:41.400 --> 0:25:45.600
<v Speaker 1>new meetings during happening in the world right now. I

0:25:45.720 --> 0:25:47.760
<v Speaker 1>first set out to do this, the book was gonna

0:25:47.800 --> 0:25:50.960
<v Speaker 1>be releasing at the Sucessible and that book store, like

0:25:51.040 --> 0:25:56.240
<v Speaker 1>everything was different right now, I thought the process of

0:25:56.560 --> 0:25:59.200
<v Speaker 1>I knew it was needed because the book is got

0:25:59.240 --> 0:26:01.800
<v Speaker 1>upon one premier that people have more fear and going

0:26:01.880 --> 0:26:04.320
<v Speaker 1>broke than they do faith and having abundange. And the

0:26:04.400 --> 0:26:06.920
<v Speaker 1>reality is that both of those things are unseen. Fear

0:26:07.000 --> 0:26:10.360
<v Speaker 1>is unseen and faith is unseen. You choose to adopt

0:26:10.440 --> 0:26:13.280
<v Speaker 1>which one you want to follow. So I knew I

0:26:13.280 --> 0:26:16.480
<v Speaker 1>wanted to book out for that one reason, just in itself.

0:26:17.000 --> 0:26:20.359
<v Speaker 1>I had no idea that the world would turn into

0:26:20.840 --> 0:26:23.920
<v Speaker 1>all of what everything happened in the course of twenty

0:26:24.680 --> 0:26:27.639
<v Speaker 1>So it took on a whole another meaning as far

0:26:27.720 --> 0:26:29.800
<v Speaker 1>as just like you're saying, getting it out into the world,

0:26:29.880 --> 0:26:33.640
<v Speaker 1>getting out to the press, of making sure um it

0:26:33.680 --> 0:26:36.320
<v Speaker 1>lives in this space. It's more timely now than I

0:26:36.359 --> 0:26:38.719
<v Speaker 1>had ever even imagined when I said out to do this, Oh,

0:26:38.960 --> 0:26:41.080
<v Speaker 1>most definitely. And I forgot this one other thing that

0:26:41.200 --> 0:26:44.959
<v Speaker 1>made me in you very similar a quote that your

0:26:45.000 --> 0:26:49.160
<v Speaker 1>mom told you. Mom said value of giving from a

0:26:49.280 --> 0:26:53.520
<v Speaker 1>pure place. She said that to you. And I have

0:26:53.560 --> 0:26:56.400
<v Speaker 1>a good friend of mine she uh Whinny we call

0:26:56.480 --> 0:27:04.159
<v Speaker 1>Robinson and um very famous actress and she has his

0:27:04.840 --> 0:27:09.639
<v Speaker 1>dance studio Actors Studio in Los Angeles. And I would

0:27:09.720 --> 0:27:13.000
<v Speaker 1>always I would care how hard I was, because everybody,

0:27:13.000 --> 0:27:15.199
<v Speaker 1>you know entertainment, you have peaks and valleys. You know,

0:27:15.640 --> 0:27:18.240
<v Speaker 1>if I had a value, I still send my checks

0:27:18.280 --> 0:27:20.240
<v Speaker 1>to her. I had to send my check to it

0:27:20.320 --> 0:27:22.879
<v Speaker 1>had because I made a commitment. That's that pure space

0:27:22.960 --> 0:27:26.200
<v Speaker 1>when there's no agenda, when you when you're doing something

0:27:26.240 --> 0:27:29.400
<v Speaker 1>and you don't realize you're changing people's lives, but somehow

0:27:29.400 --> 0:27:32.159
<v Speaker 1>it's been put upon you. And that's the pure space

0:27:32.200 --> 0:27:34.520
<v Speaker 1>your mom was talking about. The pure place then your

0:27:34.560 --> 0:27:38.359
<v Speaker 1>heart just like giving it but not expecting nothing anything back.

0:27:38.720 --> 0:27:42.000
<v Speaker 1>That's a balance that your mom instilled in you. And

0:27:42.320 --> 0:27:45.200
<v Speaker 1>like I said, reading your book, I don't I hope,

0:27:45.200 --> 0:27:49.840
<v Speaker 1>I hope our mom really communicating the value of listening

0:27:49.880 --> 0:27:52.639
<v Speaker 1>to a younger version of my reason. I'm excited because

0:27:53.040 --> 0:27:55.160
<v Speaker 1>through my whole life, my only goal is to make

0:27:55.160 --> 0:27:58.040
<v Speaker 1>sure people I meet people on and I'm gonna saying

0:27:58.040 --> 0:28:00.200
<v Speaker 1>that impacted you. You was impacted a lot of more

0:28:00.200 --> 0:28:03.160
<v Speaker 1>people than me, but you know I I met you

0:28:03.359 --> 0:28:06.840
<v Speaker 1>and to see the person you're becoming in the lives

0:28:06.880 --> 0:28:09.960
<v Speaker 1>that you are affecting on a daily basis. Thank you,

0:28:10.160 --> 0:28:15.680
<v Speaker 1>Mr Moon, thank you, thank you, thank you so much. Yes,

0:28:15.760 --> 0:28:18.240
<v Speaker 1>you did have a great impact on me because you

0:28:18.400 --> 0:28:21.080
<v Speaker 1>believed in the girl who was trying to sneak into

0:28:21.160 --> 0:28:27.120
<v Speaker 1>the rating. Thank you. You know you know the thing

0:28:27.119 --> 0:28:29.640
<v Speaker 1>about this book and The Fearless Fun. Let's talk about

0:28:29.640 --> 0:28:31.440
<v Speaker 1>that a little bit because because we've got a few minutes,

0:28:31.440 --> 0:28:33.320
<v Speaker 1>about three minutes left, I don't want to you know,

0:28:33.400 --> 0:28:35.720
<v Speaker 1>this is great book. I definitely want to banner so

0:28:35.720 --> 0:28:37.080
<v Speaker 1>I can put it in my news letter, put it

0:28:37.080 --> 0:28:39.440
<v Speaker 1>on my personal social media. I got, like, I'm about

0:28:39.480 --> 0:28:42.200
<v Speaker 1>eight hundred thousand Facebook followers, so I definitely want to

0:28:42.200 --> 0:28:44.360
<v Speaker 1>tell them about you and buy another two hundred thousand.

0:28:44.560 --> 0:28:47.160
<v Speaker 1>All my money making coverts facing platform. But tell us

0:28:47.200 --> 0:28:51.840
<v Speaker 1>about The Fearless Fun and why was it created first?

0:28:51.840 --> 0:28:54.960
<v Speaker 1>Thank you for just the additional support and exposure. I

0:28:54.960 --> 0:28:58.480
<v Speaker 1>am just extremely grateful. Well, I'm talking to a PR

0:28:58.520 --> 0:29:01.560
<v Speaker 1>and marketing specialists now, so you know you know what

0:29:01.600 --> 0:29:06.720
<v Speaker 1>I'm saying. You're the queen and I guess well it

0:29:06.760 --> 0:29:10.080
<v Speaker 1>guess what I am. I'm marketing specialist. I'm telling you.

0:29:10.120 --> 0:29:11.800
<v Speaker 1>That's all tell you. That's all I've telling you. I'm

0:29:11.840 --> 0:29:14.760
<v Speaker 1>telling you MS Moran telling your girl, we don't fire you.

0:29:15.160 --> 0:29:19.760
<v Speaker 1>Keep talking, keep talking, keep talking. Yeah, this is the moment.

0:29:19.880 --> 0:29:22.120
<v Speaker 1>But yes, the Fearless Fund was set out the song

0:29:22.520 --> 0:29:25.840
<v Speaker 1>problem and that was increased to the venture funds that

0:29:26.000 --> 0:29:29.960
<v Speaker 1>black women were receiving UM currently right now, black women

0:29:30.000 --> 0:29:34.600
<v Speaker 1>received point zero zero zero six percent adventure funds and

0:29:34.960 --> 0:29:38.680
<v Speaker 1>hundreds of not millions, but billions get invested in that

0:29:38.840 --> 0:29:45.400
<v Speaker 1>stage US and women eight percent currently right now adventure funds.

0:29:45.440 --> 0:29:47.440
<v Speaker 1>So we set out to do this to solve a

0:29:47.480 --> 0:29:49.880
<v Speaker 1>problem where the Fearless Fund is the lock him in

0:29:49.920 --> 0:29:53.400
<v Speaker 1>Dour Fund, and we are investing in women of color

0:29:53.440 --> 0:29:56.480
<v Speaker 1>businesses at early stage, which is pre CD seed in

0:29:56.600 --> 0:30:00.680
<v Speaker 1>series A. UM. We are industry at NAZIS, which means

0:30:00.680 --> 0:30:02.959
<v Speaker 1>we can do any industry, but we're doing a focus

0:30:03.000 --> 0:30:08.040
<v Speaker 1>on consumer products, UM tech, beauty. Certain industries were definitely

0:30:08.080 --> 0:30:12.440
<v Speaker 1>homed in on and we understand that there was a

0:30:12.520 --> 0:30:15.000
<v Speaker 1>lack of diverse investments because there was a lack of

0:30:15.000 --> 0:30:18.400
<v Speaker 1>diverse investors. So a lot of the people who were

0:30:18.400 --> 0:30:20.400
<v Speaker 1>playing the state didn't look like us. It's an eight

0:30:20.560 --> 0:30:23.800
<v Speaker 1>percent white male industry as far as the investors are concerned.

0:30:24.240 --> 0:30:26.840
<v Speaker 1>So in order to change the dynamically, we had to

0:30:26.880 --> 0:30:29.720
<v Speaker 1>be on the other side of the table. It is myself,

0:30:30.120 --> 0:30:35.000
<v Speaker 1>my close girlfriend kashing Night William, my close Girlfriendaporitans, and

0:30:35.240 --> 0:30:38.640
<v Speaker 1>we set out. We're all a SBCU grabs Ayana family

0:30:38.680 --> 0:30:43.520
<v Speaker 1>as well Ketches Fellman, and we set out to make history. Now,

0:30:43.560 --> 0:30:45.120
<v Speaker 1>we did not know who we're gonna be. The first

0:30:45.120 --> 0:30:47.400
<v Speaker 1>fund that is built by women of colors toward women

0:30:47.440 --> 0:30:50.440
<v Speaker 1>of color. We found out after the fact we are

0:30:50.600 --> 0:30:53.200
<v Speaker 1>sec regulated, had to go through much of paper work

0:30:53.280 --> 0:30:57.040
<v Speaker 1>with the government and we found that out later. But

0:30:57.320 --> 0:31:00.720
<v Speaker 1>we are very much so excited. We get thousands of applications.

0:31:00.760 --> 0:31:02.760
<v Speaker 1>We're looking to just grow the fund and grow the

0:31:02.800 --> 0:31:05.480
<v Speaker 1>fund so that we can make a financial impact in

0:31:05.520 --> 0:31:09.360
<v Speaker 1>our community. Well you are you making an impact of i'mnnaelling.

0:31:09.840 --> 0:31:12.560
<v Speaker 1>I do a lot done over five interviews MS Simone,

0:31:13.160 --> 0:31:16.600
<v Speaker 1>and to meet a person like you, younger than me

0:31:17.080 --> 0:31:21.840
<v Speaker 1>and and just just just crazy, it's crazy good. You're

0:31:21.880 --> 0:31:24.720
<v Speaker 1>just a crazy good person. You know what I'm saying.

0:31:25.000 --> 0:31:27.560
<v Speaker 1>I can say it like that it's you know, you're

0:31:27.560 --> 0:31:30.480
<v Speaker 1>a crazy good person because of the fact that I

0:31:30.520 --> 0:31:33.720
<v Speaker 1>sit around and I wake up some days and I

0:31:33.800 --> 0:31:37.840
<v Speaker 1>just don't I planned stuff and and I don't know

0:31:38.720 --> 0:31:41.360
<v Speaker 1>sometimes the decision that I'm making, I just know I

0:31:41.440 --> 0:31:44.080
<v Speaker 1>gotta make that decision right now. And that's your thought process,

0:31:44.240 --> 0:31:46.920
<v Speaker 1>and it's it's it's it's so much. I want you

0:31:46.960 --> 0:31:48.720
<v Speaker 1>to make sure. Make make sure you understand you have

0:31:49.000 --> 0:31:52.280
<v Speaker 1>a fan of RuSHA McDonald. Anything you want to promote

0:31:52.640 --> 0:31:54.160
<v Speaker 1>come to me. You have to be on my shows

0:31:54.160 --> 0:31:56.240
<v Speaker 1>that Rashan, could you put the flyer from me? I

0:31:56.280 --> 0:32:02.760
<v Speaker 1>would do that because you represent positivity. Thank you, Thank you.

0:32:04.320 --> 0:32:06.920
<v Speaker 1>You represent positivity. And when you know right now, I'm

0:32:06.960 --> 0:32:09.600
<v Speaker 1>not meeting anybody right now until it's a pandemic calmed

0:32:09.600 --> 0:32:10.960
<v Speaker 1>down a little bit. But when it calmed down a

0:32:11.000 --> 0:32:12.960
<v Speaker 1>little bit more, what we can like to sit across

0:32:12.960 --> 0:32:14.560
<v Speaker 1>from each other. I want to sit down and talk

0:32:14.600 --> 0:32:16.720
<v Speaker 1>to you. We might have a mask on talking to

0:32:16.760 --> 0:32:21.000
<v Speaker 1>each other, but we're gonna be all good. But I

0:32:21.000 --> 0:32:22.680
<v Speaker 1>want to thank you for coming on my show. Please

0:32:22.720 --> 0:32:24.400
<v Speaker 1>get that banner to me so I could promote your

0:32:24.400 --> 0:32:26.680
<v Speaker 1>book on my social media and my news letter. But

0:32:26.760 --> 0:32:29.440
<v Speaker 1>more importantly, I can't tell you don't change because you're

0:32:29.440 --> 0:32:34.600
<v Speaker 1>not gonna change. You're fearless. I appreciate thank you for

0:32:34.640 --> 0:32:39.920
<v Speaker 1>coming on. Bye bye hey. If you want to hear

0:32:39.960 --> 0:32:43.560
<v Speaker 1>more interviews of ras Sean McDonald with his fantastic guests,

0:32:43.560 --> 0:32:46.480
<v Speaker 1>please go to Money Making Conversation dot com. I'm Rashan McDonald.

0:32:46.520 --> 0:33:09.720
<v Speaker 1>I'm your host. In this season of giving, Coals has

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<v Speaker 1>so we have the car payment, the rent, utilities and

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