1 00:00:00,080 --> 00:00:02,280 Speaker 1: Will Lucas here, Black Tech, Green Money. Is so good 2 00:00:02,279 --> 00:00:04,920 Speaker 1: to be with you guys again, and I have a 3 00:00:04,960 --> 00:00:07,480 Speaker 1: special guest for you today. Were about to talk about 4 00:00:07,520 --> 00:00:11,520 Speaker 1: your money. Anthony O'Neill is the number one national best 5 00:00:11,560 --> 00:00:14,800 Speaker 1: selling author, host of The Table with Al, and one 6 00:00:14,800 --> 00:00:17,560 Speaker 1: of the most watched personal finance voices in the country. 7 00:00:17,680 --> 00:00:20,960 Speaker 1: His latest product in the Black is an AI power 8 00:00:21,040 --> 00:00:24,599 Speaker 1: budgeting app built to be the money coach he never 9 00:00:24,640 --> 00:00:26,640 Speaker 1: had and a lot of us never had as we 10 00:00:26,640 --> 00:00:28,720 Speaker 1: were growing up. Anthony, Welcome to the show. 11 00:00:29,440 --> 00:00:31,320 Speaker 2: Hey man, I appreciate you having me on the show, 12 00:00:31,360 --> 00:00:33,400 Speaker 2: but I've been looking forward to this for like the 13 00:00:33,440 --> 00:00:34,160 Speaker 2: last few days. 14 00:00:34,240 --> 00:00:35,120 Speaker 3: Hey, thanks for having me. 15 00:00:35,159 --> 00:00:38,000 Speaker 1: Oh my god. I want to dig right into your 16 00:00:38,040 --> 00:00:42,080 Speaker 1: story because you've been very vocal about the struggles that 17 00:00:42,159 --> 00:00:45,040 Speaker 1: you've had, you know, in your early twenties, your teens, 18 00:00:45,080 --> 00:00:46,839 Speaker 1: growing up, and there were some times where you were 19 00:00:46,880 --> 00:00:49,280 Speaker 1: living in a parking lot, and you've been very vocal 20 00:00:49,360 --> 00:00:52,120 Speaker 1: about this and that's a you know, very encouraging the 21 00:00:52,159 --> 00:00:56,160 Speaker 1: people who have tried to overcome in our overcoming today. 22 00:00:56,640 --> 00:01:00,800 Speaker 1: And so what has been like the actual meccan of change, 23 00:01:00,840 --> 00:01:04,759 Speaker 1: like not the motivational version, but like the unglamorous first 24 00:01:04,840 --> 00:01:07,240 Speaker 1: two moves or three moves you made to get out 25 00:01:07,280 --> 00:01:08,040 Speaker 1: of that situation. 26 00:01:09,240 --> 00:01:11,560 Speaker 2: Yeah, you know, bro, if we really go back to it, 27 00:01:12,280 --> 00:01:15,199 Speaker 2: A lot of people say, I have I had this struggle, 28 00:01:15,360 --> 00:01:17,880 Speaker 2: you know what I'm saying growing up? And I really 29 00:01:17,880 --> 00:01:20,440 Speaker 2: didn't have the struggle. I just had parents who didn't 30 00:01:20,520 --> 00:01:24,039 Speaker 2: know what to teach me. Right, So we weren't I 31 00:01:24,080 --> 00:01:28,839 Speaker 2: never missed a meal, I never needed clothes. I always 32 00:01:28,920 --> 00:01:29,920 Speaker 2: had clothes. 33 00:01:29,600 --> 00:01:32,319 Speaker 3: That they have a lot of clothes. No right. Did 34 00:01:32,360 --> 00:01:35,080 Speaker 3: we eat steaks every night or once? We? No? 35 00:01:35,840 --> 00:01:38,640 Speaker 2: Right? But I grew up in a good home, a 36 00:01:38,680 --> 00:01:43,040 Speaker 2: good home that did not really understand financial literacy. So 37 00:01:43,560 --> 00:01:46,240 Speaker 2: the only thing about me that was talked about money 38 00:01:46,319 --> 00:01:48,400 Speaker 2: was just being generous and tithing and just giving. 39 00:01:48,800 --> 00:01:50,600 Speaker 3: But they didn't really teach me what to do with 40 00:01:50,760 --> 00:01:51,280 Speaker 3: the other. 41 00:01:51,240 --> 00:01:53,720 Speaker 2: Ninety percent After you gave to the church, what did 42 00:01:53,760 --> 00:01:57,040 Speaker 2: you do with the other ninety percent? So when I graduated 43 00:01:57,160 --> 00:01:59,919 Speaker 2: high school, I had all this spiritual wisdom and content 44 00:02:00,240 --> 00:02:03,320 Speaker 2: around things, but I didn't know anything about interest. 45 00:02:03,440 --> 00:02:05,680 Speaker 3: I didn't know anything about credit cards. 46 00:02:05,760 --> 00:02:07,840 Speaker 2: I ain't know how what was a four to one 47 00:02:07,920 --> 00:02:10,080 Speaker 2: k No one ever had that conversation with me on 48 00:02:10,240 --> 00:02:12,720 Speaker 2: about it. I didn't know that if I got a 49 00:02:12,760 --> 00:02:15,080 Speaker 2: credit card, I swiped it, I thought I just had 50 00:02:15,080 --> 00:02:16,640 Speaker 2: to pay back if I swiped it. 51 00:02:16,560 --> 00:02:19,080 Speaker 3: For twenty dollar dollars. Bro I thought I had to 52 00:02:19,080 --> 00:02:20,280 Speaker 3: pay back twenty dollars. 53 00:02:20,280 --> 00:02:22,760 Speaker 2: I didn't know I had to pay back, you know, 54 00:02:22,840 --> 00:02:27,400 Speaker 2: twenty dollars plus ten percent. And so, man, when I 55 00:02:27,520 --> 00:02:30,440 Speaker 2: racked up all this depth, by the time I turned nineteen, 56 00:02:32,760 --> 00:02:34,600 Speaker 2: I was in a place of where I was like, wait, 57 00:02:36,560 --> 00:02:41,720 Speaker 2: I don't know anything about money, right, And I'm like, wait, 58 00:02:41,760 --> 00:02:44,280 Speaker 2: no one taught me about money. So when you say, 59 00:02:44,320 --> 00:02:46,919 Speaker 2: what are some of the practical things, that was one 60 00:02:46,919 --> 00:02:49,040 Speaker 2: of the first or two steps that I had to 61 00:02:49,040 --> 00:02:51,240 Speaker 2: take to get out of it. Number one is I 62 00:02:51,320 --> 00:02:55,440 Speaker 2: had to step back and admit that I do not 63 00:02:55,720 --> 00:03:01,240 Speaker 2: have the financial wherewithal or the financial literacy to become better. 64 00:03:01,560 --> 00:03:02,640 Speaker 3: So that's the very first thing. 65 00:03:02,680 --> 00:03:05,560 Speaker 2: I think a lot of us think what we're doing 66 00:03:05,800 --> 00:03:07,760 Speaker 2: is the right thing to do, because that's what we 67 00:03:07,760 --> 00:03:10,120 Speaker 2: saw our parents do, that's what we saw the people 68 00:03:10,120 --> 00:03:11,520 Speaker 2: in our communities. 69 00:03:10,960 --> 00:03:12,000 Speaker 3: And our world does. 70 00:03:12,240 --> 00:03:15,320 Speaker 2: But I had to be honest and be like, hey, yeah, no, 71 00:03:15,440 --> 00:03:18,240 Speaker 2: this is not the right thing. Then once I identified 72 00:03:18,360 --> 00:03:21,360 Speaker 2: that wasn't the right thing. The very next step before 73 00:03:21,360 --> 00:03:23,959 Speaker 2: you can do anything in your life is go identify 74 00:03:24,480 --> 00:03:27,120 Speaker 2: what is the right path, what is the right strategy, 75 00:03:27,520 --> 00:03:31,080 Speaker 2: and be a student of that path and of that strategy. 76 00:03:31,520 --> 00:03:34,040 Speaker 2: That's when I started reading books like Rich Dad, Poor Dad, 77 00:03:34,120 --> 00:03:38,360 Speaker 2: Robert Kiyosaki, The Total Money Makeover by Dave Ramsey, The 78 00:03:38,440 --> 00:03:40,360 Speaker 2: Richest Man in Babylon, How to Win. 79 00:03:40,240 --> 00:03:42,400 Speaker 3: Friends and Influence People by Dale Carnegie. 80 00:03:42,880 --> 00:03:46,000 Speaker 2: I had to change the narrative of how I saw 81 00:03:46,160 --> 00:03:49,400 Speaker 2: money and man, one of the greatest things that I 82 00:03:49,480 --> 00:03:53,560 Speaker 2: resonated with was a Total Money Makeover by Dave Ramsey 83 00:03:53,840 --> 00:03:56,760 Speaker 2: because it was a practical money book that was broken 84 00:03:56,800 --> 00:04:00,840 Speaker 2: down into baby steps with a spiritual contact and with 85 00:04:00,960 --> 00:04:06,400 Speaker 2: me being a Christian and also getting Christianity plus practical 86 00:04:06,920 --> 00:04:09,800 Speaker 2: money principles. Man, those are the two very first things 87 00:04:09,800 --> 00:04:13,280 Speaker 2: that I had to do is I had to one admit, Okay, 88 00:04:13,280 --> 00:04:15,520 Speaker 2: what I've been doing and what I've learned was wrong. 89 00:04:15,800 --> 00:04:20,200 Speaker 2: Two I had to go do research and figure out 90 00:04:20,480 --> 00:04:23,200 Speaker 2: what is the right path that resonates with me and 91 00:04:23,200 --> 00:04:26,039 Speaker 2: where I'm at and how can that change it? And 92 00:04:26,080 --> 00:04:27,479 Speaker 2: this is your soul, bro, so tell me that the 93 00:04:27,480 --> 00:04:30,840 Speaker 2: shut up. One need to shut up but it's like six, 94 00:04:32,000 --> 00:04:34,560 Speaker 2: No one should be broken in a day of internet 95 00:04:34,720 --> 00:04:39,640 Speaker 2: chat gpt AI. Yeah, there's much information out there that 96 00:04:39,680 --> 00:04:40,680 Speaker 2: we can really tap into. 97 00:04:40,839 --> 00:04:42,800 Speaker 1: Yeah yeah, and we're gonna get into that. You know, 98 00:04:42,920 --> 00:04:46,360 Speaker 1: you remind me of your story. A mentor of mine 99 00:04:46,360 --> 00:04:48,600 Speaker 1: told me growing up, because you know, not having much 100 00:04:48,640 --> 00:04:51,000 Speaker 1: and trying to build the dream. And he was very 101 00:04:51,000 --> 00:04:53,520 Speaker 1: well off. He owned a bunch of restaurants, and he 102 00:04:53,680 --> 00:04:56,360 Speaker 1: was like, you know, when you start really making money, 103 00:04:56,640 --> 00:04:58,760 Speaker 1: all the things that you thought you would want, when 104 00:04:58,800 --> 00:05:01,200 Speaker 1: you started making money, not even going with that stuff, 105 00:05:01,240 --> 00:05:04,960 Speaker 1: like your your perception of what wealth is changes. And 106 00:05:05,160 --> 00:05:07,800 Speaker 1: you talked about in some of your content, you know 107 00:05:08,000 --> 00:05:10,400 Speaker 1: you you used to think wealth was what kind of 108 00:05:10,440 --> 00:05:13,120 Speaker 1: watch you have, what kind of car you drive, And 109 00:05:13,200 --> 00:05:15,680 Speaker 1: that's a lot of what people in our communities grow 110 00:05:15,760 --> 00:05:19,800 Speaker 1: up with. Where does that definition come from culturally? And 111 00:05:19,839 --> 00:05:21,839 Speaker 1: why is it so durable? 112 00:05:21,920 --> 00:05:25,520 Speaker 2: I guess when you're talking about like the watch, the jury, 113 00:05:25,720 --> 00:05:29,080 Speaker 2: the I called them, the liabilities, Why do we associate 114 00:05:29,160 --> 00:05:30,279 Speaker 2: liabilities with wealth? 115 00:05:30,400 --> 00:05:33,520 Speaker 3: Yeah, yeah, let's let's let's talk about it. Man. You know, 116 00:05:33,760 --> 00:05:35,159 Speaker 3: let's in our generation. 117 00:05:36,200 --> 00:05:38,000 Speaker 2: I don't know how old you are, but in my generation, 118 00:05:38,080 --> 00:05:39,640 Speaker 2: I would say and I grew up in the era 119 00:05:39,680 --> 00:05:41,359 Speaker 2: of one O SATs in part, I grew up in 120 00:05:41,360 --> 00:05:44,080 Speaker 2: the era of B E T, MTV cribs, you know, 121 00:05:44,279 --> 00:05:47,520 Speaker 2: MTV cars make over. So what what we saw as 122 00:05:47,560 --> 00:05:49,919 Speaker 2: in wealth was a physical tangible things. 123 00:05:50,000 --> 00:05:51,800 Speaker 3: It was it was a jury. 124 00:05:51,520 --> 00:05:53,839 Speaker 2: It was the watches, it was the cars, it was 125 00:05:53,880 --> 00:05:56,520 Speaker 2: the spinning wheels that when the car stopped, the wheels 126 00:05:56,600 --> 00:05:57,400 Speaker 2: kept on spinning. 127 00:05:58,080 --> 00:05:59,640 Speaker 3: It was the houses. 128 00:06:01,800 --> 00:06:04,760 Speaker 2: And so that's what we tend to strive for, is 129 00:06:05,080 --> 00:06:08,960 Speaker 2: the physical tangible things. But your mentor are so correct, man. 130 00:06:09,200 --> 00:06:11,720 Speaker 2: I was playing golf with my dad about two years ago, 131 00:06:13,320 --> 00:06:16,680 Speaker 2: and we was driving towards the ball. We had just 132 00:06:17,080 --> 00:06:20,240 Speaker 2: drove off the tee. My dad stopped mid I mean 133 00:06:20,360 --> 00:06:22,400 Speaker 2: just mid halfway through, and then he looked at me 134 00:06:23,440 --> 00:06:26,320 Speaker 2: and he said, son, I'm wealthy. Now, mind you, I 135 00:06:26,360 --> 00:06:28,479 Speaker 2: know how much money my dad makes. And I'm like, 136 00:06:29,040 --> 00:06:30,839 Speaker 2: you wealthy proms. 137 00:06:30,920 --> 00:06:32,800 Speaker 3: And he was like, yeah, you know, I may not 138 00:06:32,880 --> 00:06:34,000 Speaker 3: have as much money as you. 139 00:06:35,080 --> 00:06:37,719 Speaker 2: But it's on a Tuesday afternoon, around one o'clock in 140 00:06:37,760 --> 00:06:41,960 Speaker 2: the afternoon, and I'm on a golf course and when 141 00:06:42,000 --> 00:06:44,880 Speaker 2: we look around, we the only black men on this 142 00:06:44,960 --> 00:06:50,600 Speaker 2: golf I'm playing golf with my forty year old son, 143 00:06:50,760 --> 00:06:53,159 Speaker 2: and I'm not stressed about how I'm going to pay bills, 144 00:06:53,200 --> 00:06:55,120 Speaker 2: and my son is in a position to where he 145 00:06:55,160 --> 00:06:57,679 Speaker 2: can play golf on a Tuesday afternoon and not working 146 00:06:57,720 --> 00:06:58,080 Speaker 2: a job. 147 00:06:58,839 --> 00:07:00,400 Speaker 3: He said to me, son, that is wealth. 148 00:07:01,080 --> 00:07:04,760 Speaker 2: I am wealthy enough to enjoy freedom, to enjoy life, 149 00:07:04,800 --> 00:07:09,560 Speaker 2: to have experiences with my son when others have to 150 00:07:09,640 --> 00:07:12,400 Speaker 2: go to work. And when my dad said that, I 151 00:07:12,520 --> 00:07:16,640 Speaker 2: always knew that wealth wasn't just about money, but it 152 00:07:16,720 --> 00:07:21,120 Speaker 2: was about what opportunities can you experience. And when he 153 00:07:21,160 --> 00:07:23,280 Speaker 2: said that, man, I couldn't even hit my next ball 154 00:07:23,520 --> 00:07:28,040 Speaker 2: correctly because it just got me emotionally that how many 155 00:07:28,080 --> 00:07:32,960 Speaker 2: people are going for the tangible, the cars, the jury, 156 00:07:33,040 --> 00:07:35,880 Speaker 2: which there's nothing wrong with that, but at the cost 157 00:07:36,080 --> 00:07:40,320 Speaker 2: of true wealth, at the cost of having true freedom 158 00:07:40,400 --> 00:07:44,440 Speaker 2: and time, freedom and options and opportunities, because we want 159 00:07:44,440 --> 00:07:47,200 Speaker 2: the image of wealth, but we don't want the freedom 160 00:07:47,240 --> 00:07:49,920 Speaker 2: of wealth, man. And I think one of my purposes 161 00:07:49,960 --> 00:07:52,800 Speaker 2: in life is to really teach people one, how do 162 00:07:52,840 --> 00:07:56,560 Speaker 2: we get to financial freedom first that then produces a 163 00:07:56,640 --> 00:07:59,920 Speaker 2: level of income that can then produce a true level of. 164 00:08:00,040 --> 00:08:04,440 Speaker 1: Well, yeah, like that, like that, you know, there's sort 165 00:08:04,480 --> 00:08:07,080 Speaker 1: of a love Hey hey really now you hate too 166 00:08:07,120 --> 00:08:11,840 Speaker 1: strong a word, but it's sort of a love incomplete 167 00:08:11,880 --> 00:08:16,000 Speaker 1: frustration relationship. I have, like Dave Ramsey zero credit doctrine, 168 00:08:17,120 --> 00:08:19,840 Speaker 1: especially last as an entrepreneur. You know, like, if you 169 00:08:20,240 --> 00:08:22,560 Speaker 1: got like a nine to five, you probably should be 170 00:08:22,600 --> 00:08:25,560 Speaker 1: all in on Dave, you know Ramsey's content. But when 171 00:08:25,560 --> 00:08:28,440 Speaker 1: you're an entrepreneur building a business and leveraging this to 172 00:08:28,520 --> 00:08:31,000 Speaker 1: do that, there's a little bit more nuance that I 173 00:08:31,040 --> 00:08:34,640 Speaker 1: think those conversations need to have. And you know, even 174 00:08:34,720 --> 00:08:37,360 Speaker 1: on your own show, you said, and I'm paraphrasing, like 175 00:08:37,400 --> 00:08:40,679 Speaker 1: your mind has evolved on this conversation. You know, how 176 00:08:40,760 --> 00:08:43,000 Speaker 1: hard is it to change your position in front of 177 00:08:43,000 --> 00:08:45,880 Speaker 1: millions of people who followed you specifically because of that position. 178 00:08:46,640 --> 00:08:48,839 Speaker 3: Yeah, now, I think it's not hard. 179 00:08:48,920 --> 00:08:51,440 Speaker 2: I would definitely say my position has changed, maybe about 180 00:08:51,480 --> 00:08:56,679 Speaker 2: twenty percent. Right, I think that credit cards and I 181 00:08:56,720 --> 00:09:00,120 Speaker 2: would even say this debt is not a sin and 182 00:09:00,360 --> 00:09:03,760 Speaker 2: it is not a bad thing. My stance is still this, 183 00:09:03,920 --> 00:09:08,560 Speaker 2: though American people do not have the financial intellect to 184 00:09:08,800 --> 00:09:13,480 Speaker 2: steward the debt correctly, to let it build into a 185 00:09:13,520 --> 00:09:17,360 Speaker 2: wealth position. Right, And so I still firmly believe that 186 00:09:17,400 --> 00:09:19,680 Speaker 2: the majority of Americans should stay. 187 00:09:19,480 --> 00:09:20,480 Speaker 3: Away from debt. 188 00:09:20,800 --> 00:09:24,000 Speaker 2: However, my philosophy that I even talk about in my 189 00:09:24,040 --> 00:09:25,960 Speaker 2: book that's coming out later this year, is that I 190 00:09:26,000 --> 00:09:28,480 Speaker 2: think that once you can be debt free for two 191 00:09:28,760 --> 00:09:34,760 Speaker 2: years and you create this habit of financial freedom, then okay, 192 00:09:34,800 --> 00:09:36,960 Speaker 2: go get a credit card, Go get an MX and 193 00:09:37,000 --> 00:09:38,320 Speaker 2: pay that off every single month. 194 00:09:38,520 --> 00:09:41,000 Speaker 3: Why not get the points if you can pay it 195 00:09:41,080 --> 00:09:42,560 Speaker 3: off like a debit card? Right. 196 00:09:43,440 --> 00:09:47,360 Speaker 2: I do not want specifically African Americans. I think we 197 00:09:47,440 --> 00:09:51,240 Speaker 2: hear this narrative of use other people's money, but when 198 00:09:51,280 --> 00:09:55,280 Speaker 2: we really look at the numbers, not opinions, not suggestions, 199 00:09:55,360 --> 00:09:59,679 Speaker 2: not thoughts, but actual data and actual numbers, the majority 200 00:09:59,679 --> 00:10:03,280 Speaker 2: of do not pay off the debt within a timely matter, 201 00:10:03,440 --> 00:10:06,880 Speaker 2: and we pay out way more interest. So I one 202 00:10:06,920 --> 00:10:11,079 Speaker 2: one hundred percent understand your philosophy, and I understand everyone's philosophy, like, hey, 203 00:10:11,440 --> 00:10:13,400 Speaker 2: why not why not do that? 204 00:10:13,520 --> 00:10:14,920 Speaker 3: Well, let me ask you this question. 205 00:10:15,080 --> 00:10:17,800 Speaker 2: If that was the case, everyone can do it, we 206 00:10:17,840 --> 00:10:20,640 Speaker 2: wouldn't have the economy we have today because the economy 207 00:10:20,640 --> 00:10:23,560 Speaker 2: strives off of people being in debt, not being good 208 00:10:23,600 --> 00:10:25,440 Speaker 2: stewards and utilizing it correctly. 209 00:10:25,559 --> 00:10:28,120 Speaker 3: Right, And so the economy will change. 210 00:10:28,280 --> 00:10:31,720 Speaker 2: So I think that for me, I still operate from 211 00:10:31,720 --> 00:10:35,200 Speaker 2: a debt free perspective. I do have an amex, we 212 00:10:35,280 --> 00:10:38,520 Speaker 2: do pay it off every single month. I like the points, 213 00:10:38,640 --> 00:10:42,120 Speaker 2: not gonna lie about that, But I've created the habit 214 00:10:42,160 --> 00:10:45,280 Speaker 2: in my head is I want to receive way more 215 00:10:45,280 --> 00:10:48,480 Speaker 2: interest being paid to me than me paying out interest. 216 00:10:48,559 --> 00:10:51,160 Speaker 2: And I think that's where we got to get people too. 217 00:10:51,600 --> 00:10:54,520 Speaker 2: But before we can even talk about leveraging someone else's 218 00:10:54,640 --> 00:10:58,720 Speaker 2: leveraging debt, we got to teach financial stewardship and financial 219 00:10:58,760 --> 00:11:02,959 Speaker 2: discipline first. Then once we get that established, then how 220 00:11:02,960 --> 00:11:05,120 Speaker 2: do we play the money game correctly? How do we 221 00:11:05,160 --> 00:11:07,520 Speaker 2: do like what's a lot of wealth? Did people do 222 00:11:08,120 --> 00:11:11,199 Speaker 2: leverage debt? But they also had an income to where 223 00:11:11,200 --> 00:11:13,560 Speaker 2: they could pay it off? And it's a wise move. 224 00:11:13,640 --> 00:11:16,040 Speaker 2: But I don't think we are at a point as 225 00:11:16,120 --> 00:11:19,280 Speaker 2: a large community to really have that conversation in the 226 00:11:19,320 --> 00:11:19,800 Speaker 2: healthy way. 227 00:11:20,400 --> 00:11:24,880 Speaker 1: You know, I remember reading The Color of Money by MRSA. 228 00:11:25,000 --> 00:11:28,760 Speaker 1: Baradharan changed well us. I won's say it opened my 229 00:11:29,240 --> 00:11:33,080 Speaker 1: aperture on like what really happened foundationally in our communities 230 00:11:33,120 --> 00:11:35,199 Speaker 1: to get us in this situation we're into where you're 231 00:11:35,240 --> 00:11:38,520 Speaker 1: talking about we weren't taught these certain things. And I 232 00:11:38,640 --> 00:11:43,240 Speaker 1: wonder how this app you're building in the black app 233 00:11:43,960 --> 00:11:48,000 Speaker 1: is the coach that speaks the language that helps get 234 00:11:48,000 --> 00:11:50,320 Speaker 1: through because there's other apps out there, but like there's 235 00:11:50,320 --> 00:11:54,080 Speaker 1: something about speaking to us that has to penetrate in 236 00:11:54,200 --> 00:11:55,960 Speaker 1: order to make changes in our community. 237 00:11:56,880 --> 00:11:59,000 Speaker 3: Yeah, you know, we are in a day and age 238 00:11:59,080 --> 00:12:00,360 Speaker 3: of information, right. 239 00:12:00,960 --> 00:12:03,160 Speaker 2: I think people can just type in on chat GPT, 240 00:12:03,360 --> 00:12:04,520 Speaker 2: hey how do I pay off my debt? 241 00:12:04,559 --> 00:12:05,400 Speaker 3: Bonemill come up. 242 00:12:06,040 --> 00:12:07,679 Speaker 2: So we're in a day and age where I don't 243 00:12:07,720 --> 00:12:11,720 Speaker 2: really think people are lacking information. If they're lacking information, 244 00:12:11,800 --> 00:12:14,199 Speaker 2: it's because they lack wanting and. 245 00:12:14,240 --> 00:12:16,880 Speaker 3: Desiring the information, right. 246 00:12:18,320 --> 00:12:21,080 Speaker 2: But I think a lot of people are on TikTok. 247 00:12:21,160 --> 00:12:23,840 Speaker 2: One of the top search engines are not search engines, 248 00:12:23,840 --> 00:12:26,720 Speaker 2: but one of the top search items on TikTok it's 249 00:12:26,760 --> 00:12:30,400 Speaker 2: financial literacy. So people are desiring how do we get 250 00:12:30,440 --> 00:12:32,319 Speaker 2: out of debt, how to use a credit card the 251 00:12:32,360 --> 00:12:34,360 Speaker 2: right way, how to get the most miles, how to 252 00:12:34,600 --> 00:12:36,000 Speaker 2: pay this and how to finance that? 253 00:12:36,040 --> 00:12:37,320 Speaker 3: How do this? So it's good. 254 00:12:37,520 --> 00:12:40,400 Speaker 2: One thing I've learned, though, is if someone just hands 255 00:12:40,400 --> 00:12:43,520 Speaker 2: you a million dollars, do you honestly know how to 256 00:12:43,640 --> 00:12:49,280 Speaker 2: strategically use that million dollars. And I noticed that my 257 00:12:49,480 --> 00:12:53,520 Speaker 2: income situation didn't change until I honestly got a mentor 258 00:12:53,600 --> 00:12:56,160 Speaker 2: in my life, until I got around people like the 259 00:12:56,240 --> 00:12:58,439 Speaker 2: Dave Ramsey that was like, hey, you're making this kind 260 00:12:58,480 --> 00:13:01,920 Speaker 2: of money, do this, who were giving me systems and 261 00:13:01,960 --> 00:13:07,559 Speaker 2: strategies and weekly and monthly and quarterly mentorship. And I said, 262 00:13:08,280 --> 00:13:11,720 Speaker 2: here's the truth, bro, black people we are the most 263 00:13:11,720 --> 00:13:14,840 Speaker 2: creative group of people. You put us in a situation, 264 00:13:15,120 --> 00:13:16,920 Speaker 2: we will be creative when they will get out of it. 265 00:13:17,200 --> 00:13:19,280 Speaker 2: If you put us in the corner and we gotta 266 00:13:19,280 --> 00:13:21,320 Speaker 2: figure out how to pay our mortgage for next month, 267 00:13:21,440 --> 00:13:23,920 Speaker 2: black people, we gonna figure out how to live and survive. 268 00:13:24,720 --> 00:13:29,240 Speaker 2: The problem is we don't have daily systems and habits 269 00:13:29,280 --> 00:13:34,640 Speaker 2: and strategies that complements our creativity. So I created in 270 00:13:34,720 --> 00:13:37,720 Speaker 2: the Black app to where it's like every single day 271 00:13:37,720 --> 00:13:38,079 Speaker 2: when you. 272 00:13:38,040 --> 00:13:40,280 Speaker 3: Woke up, I'm gonna make you one percent better. 273 00:13:40,880 --> 00:13:43,640 Speaker 2: Every single day when you go to sleep, we're gonna 274 00:13:43,640 --> 00:13:47,320 Speaker 2: analyze your bank statements, we're gonna analyze your debt situations. 275 00:13:47,440 --> 00:13:50,040 Speaker 2: We're gonna look at your goals, and we're gonna see, hey, 276 00:13:50,200 --> 00:13:53,000 Speaker 2: what did you do today, that got you one percent 277 00:13:53,040 --> 00:13:54,120 Speaker 2: closer to your goals. 278 00:13:54,360 --> 00:13:55,040 Speaker 3: If you tell the. 279 00:13:55,080 --> 00:13:57,760 Speaker 2: App, hey, I want to retire by fifty Hey I 280 00:13:57,800 --> 00:13:59,920 Speaker 2: want to have ten thousand dollars in my savings. Hey 281 00:14:00,160 --> 00:14:02,560 Speaker 2: I want my kids to go to college debt free. Well, 282 00:14:02,600 --> 00:14:05,680 Speaker 2: we are going to assess your spending habits and when 283 00:14:05,720 --> 00:14:08,960 Speaker 2: you wake up, we're going to give you actionable items 284 00:14:09,000 --> 00:14:13,640 Speaker 2: to do that day to get you one percent closer. 285 00:14:13,600 --> 00:14:15,080 Speaker 3: To your goals. 286 00:14:15,360 --> 00:14:18,719 Speaker 2: One of the things my mom used to always tell 287 00:14:18,760 --> 00:14:21,760 Speaker 2: me when I was young. She said, son, I don't 288 00:14:21,800 --> 00:14:24,280 Speaker 2: need to be perfect, but every single day when I 289 00:14:24,320 --> 00:14:26,120 Speaker 2: come to your room, I want it cleaner than yesterday. 290 00:14:27,360 --> 00:14:31,240 Speaker 2: If you can just practice being neat, eventually one day 291 00:14:31,240 --> 00:14:34,040 Speaker 2: your room will look perfect. But every day I just 292 00:14:34,080 --> 00:14:35,200 Speaker 2: want you to get just a little bit neater, a 293 00:14:35,240 --> 00:14:37,040 Speaker 2: little bit neater, a little bit need a little bit neater. 294 00:14:37,320 --> 00:14:40,080 Speaker 2: And now, bro, you walk into my room, my home, 295 00:14:40,120 --> 00:14:42,760 Speaker 2: my room looks like perfection. It's not perfect, but it 296 00:14:42,800 --> 00:14:45,640 Speaker 2: looks because I said, every single day, I just want 297 00:14:45,680 --> 00:14:48,160 Speaker 2: to get neater every single day. I want to lose 298 00:14:48,200 --> 00:14:50,440 Speaker 2: one pound every single day. I want to do this. 299 00:14:50,520 --> 00:14:52,160 Speaker 2: And so that's what this app does. 300 00:14:52,240 --> 00:14:52,720 Speaker 3: It's going to. 301 00:14:52,800 --> 00:14:55,360 Speaker 2: Ask you for all of your banking information. It's going 302 00:14:55,440 --> 00:14:57,320 Speaker 2: to ask you for all your goals. It's going to 303 00:14:57,360 --> 00:15:00,360 Speaker 2: ask you for all your income, all your debt, all 304 00:15:00,400 --> 00:15:03,240 Speaker 2: your investments that you have, and then we're gonna really 305 00:15:03,480 --> 00:15:05,760 Speaker 2: walk you through. Every night when you go to sleep, 306 00:15:06,000 --> 00:15:09,120 Speaker 2: we're gonna go through all your stuff, right, and then 307 00:15:09,280 --> 00:15:11,400 Speaker 2: when you wake up, we're gonna tell you, hey, yesterday 308 00:15:11,440 --> 00:15:14,760 Speaker 2: you spent twenty hours of McDonald's by don't do that 309 00:15:14,840 --> 00:15:17,160 Speaker 2: no more like, we're gonna hold you accountable to the 310 00:15:17,160 --> 00:15:19,520 Speaker 2: goals that you give the app, not goals that we 311 00:15:19,680 --> 00:15:20,440 Speaker 2: set for you. 312 00:15:20,520 --> 00:15:20,720 Speaker 3: Right. 313 00:15:21,320 --> 00:15:24,080 Speaker 2: That's what this app is so important. It's not just 314 00:15:24,240 --> 00:15:26,680 Speaker 2: a budgeting app. It's not just an app to go 315 00:15:26,720 --> 00:15:33,640 Speaker 2: watch videos. Think of a coach Anthony O'Neill. Netflix, a 316 00:15:33,760 --> 00:15:40,000 Speaker 2: whole volume of educational content at your disposal every single day, 317 00:15:40,360 --> 00:15:43,360 Speaker 2: helping you get to financial freedom. Freedom no matter what 318 00:15:43,520 --> 00:15:46,400 Speaker 2: situation you're in today. If it takes us six months 319 00:15:46,480 --> 00:15:50,000 Speaker 2: to six years, we're gonna give you something every single day. 320 00:15:50,040 --> 00:15:52,840 Speaker 2: I'm not even exaggerating. Every day we get you closer 321 00:15:52,880 --> 00:15:53,520 Speaker 2: to your goal. 322 00:15:53,760 --> 00:15:57,840 Speaker 1: Damn you know. And this is a very technical audience, 323 00:15:57,840 --> 00:16:00,240 Speaker 1: like this is this audience is tech savvy and you 324 00:16:00,800 --> 00:16:05,040 Speaker 1: market the AI that's integrated in this. Can you talk 325 00:16:05,080 --> 00:16:08,840 Speaker 1: a little bit about what that specifically is inside the application, 326 00:16:09,080 --> 00:16:11,400 Speaker 1: Like things that you know we would would you can 327 00:16:11,440 --> 00:16:13,240 Speaker 1: do now in the app that you probably couldn't have 328 00:16:13,280 --> 00:16:15,760 Speaker 1: done before AI was you know, Oh. 329 00:16:15,720 --> 00:16:18,160 Speaker 2: Yeah, man, I think I think that's the part. What 330 00:16:18,200 --> 00:16:20,040 Speaker 2: I said earlier is one is a AI. 331 00:16:20,120 --> 00:16:21,600 Speaker 3: For an example, I teach. 332 00:16:21,520 --> 00:16:25,360 Speaker 2: The debt snowball methods where you got to line up 333 00:16:25,360 --> 00:16:27,720 Speaker 2: all your debt from small to largest. So once you 334 00:16:27,760 --> 00:16:29,880 Speaker 2: put in all your debt and all your accounts that's 335 00:16:29,880 --> 00:16:32,840 Speaker 2: in there, the AI is going to automatically line up 336 00:16:32,880 --> 00:16:35,200 Speaker 2: all your debt from the smallest largest and it's going 337 00:16:35,280 --> 00:16:38,080 Speaker 2: to tell you, hey, based upon your strategy right now 338 00:16:38,080 --> 00:16:39,920 Speaker 2: and your income right now, you could be out of 339 00:16:40,000 --> 00:16:43,400 Speaker 2: debt March twenty fifth of twenty twenty eight on the 340 00:16:44,000 --> 00:16:48,920 Speaker 2: money right. That's one number two. Because of AI. This 341 00:16:49,000 --> 00:16:50,960 Speaker 2: is one thing I do I do not like about 342 00:16:51,000 --> 00:16:53,760 Speaker 2: other apps. Every other app is going to be going 343 00:16:53,800 --> 00:16:55,479 Speaker 2: to give you general information. 344 00:16:55,760 --> 00:16:57,080 Speaker 3: Well, you come. 345 00:16:57,000 --> 00:17:01,600 Speaker 2: To us and Tom and said, hey Tom, I am here. Well, Tom, 346 00:17:01,720 --> 00:17:05,080 Speaker 2: Anthony and Rebecca maybe in three different areas well. 347 00:17:05,119 --> 00:17:07,000 Speaker 3: Because of AI and because of how I. 348 00:17:06,960 --> 00:17:09,800 Speaker 2: Teach things the AI is gonna give Tom one route 349 00:17:09,840 --> 00:17:12,480 Speaker 2: to go, give Rebecca one route to go, and give 350 00:17:12,480 --> 00:17:15,240 Speaker 2: this person a totally different route. So no one is 351 00:17:15,240 --> 00:17:19,159 Speaker 2: getting the exact same information. Because one person can be 352 00:17:19,240 --> 00:17:21,520 Speaker 2: drowning in debt, the other person could be debt free 353 00:17:21,520 --> 00:17:23,760 Speaker 2: but not investing. So we don't need to talk to 354 00:17:23,840 --> 00:17:25,560 Speaker 2: you about getting out of debt. We need to talk 355 00:17:25,600 --> 00:17:28,440 Speaker 2: to you about saving and investing. Right Well, this person 356 00:17:28,480 --> 00:17:31,440 Speaker 2: who's drowning in debt, because the AI knows it and 357 00:17:30,840 --> 00:17:35,000 Speaker 2: knows their situation, well, you shouldn't be talking about investing 358 00:17:35,040 --> 00:17:38,000 Speaker 2: like that right now. You're drowning in debt. Let's get 359 00:17:38,040 --> 00:17:40,800 Speaker 2: you out of debt. So everything is around debt. So 360 00:17:40,840 --> 00:17:43,760 Speaker 2: that's number two. Number three, which I think is the 361 00:17:43,800 --> 00:17:47,400 Speaker 2: bread and the butter, is that we analyze and we 362 00:17:47,440 --> 00:17:52,080 Speaker 2: go through everything at midnight, between midnight and three point 363 00:17:52,080 --> 00:17:56,639 Speaker 2: fifty nine am in the morning, every single day and 364 00:17:56,720 --> 00:17:57,760 Speaker 2: when you wake up. 365 00:17:58,040 --> 00:17:59,800 Speaker 3: This is one thing I love about it. I just 366 00:17:59,840 --> 00:18:01,800 Speaker 3: did it the other day. It told me this. I said, Man, 367 00:18:01,800 --> 00:18:04,840 Speaker 3: I'm already good at money. But my own APP was like, bruh, you. 368 00:18:05,280 --> 00:18:10,720 Speaker 2: Spent fourteen dollars and twenty two cents at Starbucks. I 369 00:18:10,760 --> 00:18:14,240 Speaker 2: thought you said you don't like Starbucks. That fourteen dollars 370 00:18:14,320 --> 00:18:18,679 Speaker 2: investing into it a investing into your index fund. That 371 00:18:18,800 --> 00:18:21,879 Speaker 2: was honestly, that could have been another you know, I 372 00:18:21,880 --> 00:18:23,919 Speaker 2: think it was like thirty two thousand dollars over the 373 00:18:23,960 --> 00:18:25,360 Speaker 2: next six years. 374 00:18:25,600 --> 00:18:27,000 Speaker 3: So just make sure you keep that in mind. 375 00:18:27,000 --> 00:18:29,399 Speaker 2: Anthony, No, you didn't go over your budget, but just 376 00:18:29,440 --> 00:18:31,840 Speaker 2: make sure you keep in mind make coffee at home, 377 00:18:31,920 --> 00:18:35,680 Speaker 2: because this thirteen dollars invested correctly over the next few 378 00:18:35,720 --> 00:18:37,919 Speaker 2: years could be at some amount of dollars. So it 379 00:18:38,040 --> 00:18:41,000 Speaker 2: helps you put things into perspective. Here's the fourth thing 380 00:18:41,000 --> 00:18:44,240 Speaker 2: that I really love. I am in the process of 381 00:18:44,320 --> 00:18:48,520 Speaker 2: potentially looking into buying a home. I asked the AI software, 382 00:18:48,560 --> 00:18:51,760 Speaker 2: I asked the coach. I said, Hey, this is my situation. 383 00:18:52,160 --> 00:18:55,200 Speaker 2: This home came available. Do you think I can afford 384 00:18:55,280 --> 00:18:58,240 Speaker 2: this home with this particular down payment? It took time, 385 00:18:58,359 --> 00:19:01,240 Speaker 2: went through my financial situations, went through my bank statements, 386 00:19:01,640 --> 00:19:04,199 Speaker 2: went through the projections of the year based upon what 387 00:19:04,280 --> 00:19:07,119 Speaker 2: I make on an average month as a self employed individual, 388 00:19:07,400 --> 00:19:09,640 Speaker 2: and it told me, yes, this will put you down 389 00:19:09,680 --> 00:19:13,359 Speaker 2: to about twenty percent of your average net take on pay. 390 00:19:13,760 --> 00:19:15,760 Speaker 2: I think it's very very good. We want to keep 391 00:19:15,760 --> 00:19:18,360 Speaker 2: you right around twenty five to thirty percent. This could 392 00:19:18,359 --> 00:19:20,480 Speaker 2: be your down payment. If your payment is over this 393 00:19:20,600 --> 00:19:22,840 Speaker 2: and your down payments over that, I would not do it. 394 00:19:23,119 --> 00:19:28,560 Speaker 2: So it literally can assess any financial situation because of AI. 395 00:19:29,200 --> 00:19:31,880 Speaker 2: But it took us about a year to build this 396 00:19:31,960 --> 00:19:34,800 Speaker 2: AI because I wanted to make sure that it's not 397 00:19:34,840 --> 00:19:39,240 Speaker 2: giving general information. This app is all about how do 398 00:19:39,280 --> 00:19:41,879 Speaker 2: we get them out of the red, get them into 399 00:19:41,960 --> 00:19:45,800 Speaker 2: the black meaning positive net worth, and we keep them 400 00:19:45,800 --> 00:19:48,320 Speaker 2: there in their building both so we're not gonna teach 401 00:19:48,960 --> 00:19:52,119 Speaker 2: borrow money, We're not gonna teach go leverage that. 402 00:19:52,119 --> 00:19:53,920 Speaker 3: We're gonna teach you, Hey, let's get you out of 403 00:19:53,960 --> 00:19:54,480 Speaker 3: the red. 404 00:19:54,400 --> 00:19:56,960 Speaker 2: Building a seven figure network. And that's the whole point 405 00:19:56,960 --> 00:19:57,119 Speaker 2: of that. 406 00:19:57,720 --> 00:20:01,560 Speaker 1: Yeah, And so kind of like my position with a 407 00:20:01,640 --> 00:20:04,159 Speaker 1: Dave Ramsey's like who is the app for? And so 408 00:20:04,240 --> 00:20:06,480 Speaker 1: like if you're saying, hey, you know, we're not going 409 00:20:06,520 --> 00:20:09,000 Speaker 1: to talk to you about getting you know, credit cards 410 00:20:09,040 --> 00:20:12,000 Speaker 1: or et cetera. That might be for an audience I 411 00:20:12,000 --> 00:20:14,800 Speaker 1: saw so, but not every audience. So who is the 412 00:20:14,840 --> 00:20:18,040 Speaker 1: target that this is specifically for us? So if I'm 413 00:20:18,080 --> 00:20:20,119 Speaker 1: listening to this, I know if this is for me? 414 00:20:20,880 --> 00:20:22,840 Speaker 2: Yeah, this is for the individual that say, Man, I 415 00:20:22,880 --> 00:20:26,040 Speaker 2: want to have financial freedom, I am in debt. 416 00:20:26,600 --> 00:20:28,080 Speaker 3: I want to pay off my debt. 417 00:20:28,440 --> 00:20:31,119 Speaker 2: When we look at it, man, seventy three percent of 418 00:20:31,160 --> 00:20:34,600 Speaker 2: people living paycheck to paycheck, So the majority of people 419 00:20:35,040 --> 00:20:39,320 Speaker 2: are not leveraging debt the correct way. So it is 420 00:20:39,359 --> 00:20:42,919 Speaker 2: for that audience of people who are saying, hey, I 421 00:20:43,080 --> 00:20:46,720 Speaker 2: want to grow my financial intellect to where I can 422 00:20:46,760 --> 00:20:49,639 Speaker 2: get out of consumer debt and I can get a 423 00:20:49,680 --> 00:20:52,679 Speaker 2: position to where I am investing. I'm not wasting money. 424 00:20:53,080 --> 00:20:54,840 Speaker 3: I don't care. If you want to have a credit card, 425 00:20:54,840 --> 00:20:55,960 Speaker 3: We're going to tell you inside of it. 426 00:20:56,040 --> 00:20:57,200 Speaker 2: Like he If you want to have a credit card, 427 00:20:57,320 --> 00:20:59,840 Speaker 2: faber one is an AMX you paid off monthly. If 428 00:20:59,880 --> 00:21:02,720 Speaker 2: you have another credit card and you're drowning in debt, 429 00:21:02,960 --> 00:21:04,840 Speaker 2: and let's just say for an example, you know for 430 00:21:04,920 --> 00:21:07,720 Speaker 2: a fact you can't pay off this credit card every 431 00:21:07,760 --> 00:21:10,000 Speaker 2: single month, get rid of it for a season, get 432 00:21:10,040 --> 00:21:12,760 Speaker 2: rid of it for twenty four months. Because the habit 433 00:21:13,320 --> 00:21:15,760 Speaker 2: of treating your credit card like a debit card is 434 00:21:15,840 --> 00:21:19,280 Speaker 2: way more important than you having some points. Because a 435 00:21:19,280 --> 00:21:22,320 Speaker 2: lot of people, we get confused that this is free money. 436 00:21:22,440 --> 00:21:22,960 Speaker 3: No, it's not. 437 00:21:23,320 --> 00:21:26,080 Speaker 2: If you're paying interest every single month you bought the flight, 438 00:21:27,040 --> 00:21:29,399 Speaker 2: those points. You pay for the points with your interest 439 00:21:29,480 --> 00:21:33,560 Speaker 2: that you're paying. The strategy is like, hey, pay it off, 440 00:21:33,920 --> 00:21:36,080 Speaker 2: don't pay an interest. So if you put five thousand 441 00:21:36,080 --> 00:21:38,159 Speaker 2: dollars on the credit card, pay it off by the 442 00:21:38,160 --> 00:21:40,480 Speaker 2: time and this bank statement hits, now. 443 00:21:40,359 --> 00:21:41,159 Speaker 3: You hit the points. 444 00:21:41,280 --> 00:21:43,960 Speaker 2: Now that's free miles because you didn't pay anything for it. 445 00:21:44,240 --> 00:21:46,480 Speaker 2: That's a strategy. And I always say this, and this 446 00:21:46,520 --> 00:21:49,639 Speaker 2: is what we taught the AI system. We want to 447 00:21:49,640 --> 00:21:52,600 Speaker 2: teach everyone how to play the money game, because there 448 00:21:52,720 --> 00:21:55,280 Speaker 2: it is a money game. You're either gonna be a 449 00:21:55,400 --> 00:21:58,080 Speaker 2: pawn and play the game or you're gonna be played. 450 00:21:58,920 --> 00:22:01,640 Speaker 2: You're gonna be picked up and moved around. We want 451 00:22:01,680 --> 00:22:04,359 Speaker 2: to teach people how can they play the money game 452 00:22:04,840 --> 00:22:07,560 Speaker 2: and not be upon just being picked up and moved 453 00:22:07,600 --> 00:22:10,320 Speaker 2: around the pieces. And that's who this app is for saying, Hey, 454 00:22:10,320 --> 00:22:12,840 Speaker 2: you know what, I'm in a lot of consumer that 455 00:22:13,359 --> 00:22:16,679 Speaker 2: I'm I'm up up to my rear end on student loans, 456 00:22:16,680 --> 00:22:19,879 Speaker 2: on car notes, on credit cards, on personal loans, on 457 00:22:19,960 --> 00:22:22,560 Speaker 2: paycheck loans. I want to get out of that where 458 00:22:22,560 --> 00:22:25,640 Speaker 2: I can get in a position to have true financial 459 00:22:25,680 --> 00:22:28,320 Speaker 2: freedom and then okay, Yeah, if I get a business, 460 00:22:28,440 --> 00:22:31,760 Speaker 2: how do I leverage this business in a healthy way 461 00:22:32,280 --> 00:22:33,960 Speaker 2: to where I can expand my business? 462 00:22:34,119 --> 00:22:35,919 Speaker 3: But it starts what us first? 463 00:22:36,400 --> 00:22:39,560 Speaker 1: Yeah, you know, I really believe that a lot of 464 00:22:39,600 --> 00:22:42,359 Speaker 1: us will be helped if we set a personal mission 465 00:22:42,400 --> 00:22:44,560 Speaker 1: for ourselves, or if we found out what our mission 466 00:22:44,560 --> 00:22:47,159 Speaker 1: and purpose was in life. You know, I spent some 467 00:22:47,240 --> 00:22:50,520 Speaker 1: time like right before COVID happened, like three or four months, 468 00:22:50,520 --> 00:22:52,560 Speaker 1: like just kind of just working through what I believed 469 00:22:52,560 --> 00:22:55,600 Speaker 1: my purpose was to get to a mission statement. And 470 00:22:55,680 --> 00:22:59,320 Speaker 1: I've heard you talk about your mission yours, anthony is 471 00:22:59,359 --> 00:23:02,600 Speaker 1: to break generate wealth gaps. And that's a conversation we 472 00:23:03,080 --> 00:23:06,159 Speaker 1: talk a lot about in the Afro tech ecosystem, the 473 00:23:06,160 --> 00:23:10,399 Speaker 1: black tech, green money ecosystem and generational wealth though is 474 00:23:10,440 --> 00:23:14,119 Speaker 1: like often built over decades and sometimes centuries and passed 475 00:23:14,119 --> 00:23:17,600 Speaker 1: along through those decades and more centuries. Like, what is 476 00:23:17,640 --> 00:23:21,399 Speaker 1: a realistic scope of change that someone using the app 477 00:23:21,400 --> 00:23:25,000 Speaker 1: and using your content can actually set in motion in 478 00:23:25,040 --> 00:23:25,680 Speaker 1: their lifetime? 479 00:23:26,720 --> 00:23:29,920 Speaker 3: Man, you know, such a great question. 480 00:23:29,960 --> 00:23:32,879 Speaker 2: One of the things I put inside the app is 481 00:23:32,880 --> 00:23:35,440 Speaker 2: that when you first come into the app, it's going. 482 00:23:35,400 --> 00:23:36,760 Speaker 3: To ask you what is your life goal? 483 00:23:36,920 --> 00:23:41,520 Speaker 2: Because I believe that your mission and vision for your 484 00:23:41,600 --> 00:23:45,119 Speaker 2: life should be congruent with your money aka your budget. 485 00:23:45,720 --> 00:23:47,680 Speaker 2: And so before we even really get into the money, 486 00:23:47,680 --> 00:23:49,959 Speaker 2: what is your vision. So when the APP asks me that, 487 00:23:50,000 --> 00:23:53,280 Speaker 2: I said, Man, I want my grand kids, my great 488 00:23:53,680 --> 00:23:56,879 Speaker 2: grandkids to know my name. Truth to the fact is 489 00:23:56,880 --> 00:24:00,880 Speaker 2: I'm forty two today. I would be blessed to see 490 00:24:00,920 --> 00:24:04,920 Speaker 2: grandchildren more than likely. Bro, I'm not going to see 491 00:24:04,920 --> 00:24:08,040 Speaker 2: my great grandchildren, but I want. 492 00:24:07,880 --> 00:24:08,560 Speaker 3: Them to know it. 493 00:24:09,119 --> 00:24:11,560 Speaker 2: So to ask, the APP asked me, well, how do 494 00:24:11,640 --> 00:24:15,280 Speaker 2: you think they can know it? And a pause, and 495 00:24:15,280 --> 00:24:17,960 Speaker 2: I said, well, I got to leave them something, and 496 00:24:17,960 --> 00:24:21,080 Speaker 2: they said, now you're thinking, so what are you going 497 00:24:21,160 --> 00:24:22,480 Speaker 2: to leave them? 498 00:24:22,720 --> 00:24:27,439 Speaker 3: In a pause, I could leave the money. 499 00:24:29,720 --> 00:24:32,280 Speaker 2: And as I just started having this conversation with the app, 500 00:24:32,359 --> 00:24:35,119 Speaker 2: I just got my dual citizenship and a cry Ghana 501 00:24:36,160 --> 00:24:42,800 Speaker 2: and I believe that everyone African Americans should have something 502 00:24:43,200 --> 00:24:47,160 Speaker 2: to do with Africa, no matter what part. 503 00:24:47,680 --> 00:24:49,040 Speaker 3: And so I told the app you know what. 504 00:24:48,960 --> 00:24:54,040 Speaker 2: I'm going to buy a condo this year, and inside 505 00:24:54,040 --> 00:24:57,000 Speaker 2: of my estate plan, I want to leave that for 506 00:24:57,160 --> 00:25:01,760 Speaker 2: my great grandchildren. Toward my wife life and my children 507 00:25:02,640 --> 00:25:04,760 Speaker 2: and my grandchildren can't have it. 508 00:25:04,760 --> 00:25:07,919 Speaker 3: It's for my great grandchildren to have it. 509 00:25:09,000 --> 00:25:13,119 Speaker 2: That's breaking generational curses, and that's building generational wealth. 510 00:25:13,160 --> 00:25:15,159 Speaker 3: How is that in two different ways? Remember it's not 511 00:25:15,200 --> 00:25:17,440 Speaker 3: just monetarial now is man? 512 00:25:17,520 --> 00:25:22,240 Speaker 2: I can't even tell you my great grandfather's name. I've 513 00:25:22,280 --> 00:25:24,840 Speaker 2: never had a conversation about him with my parents. Why 514 00:25:24,880 --> 00:25:27,080 Speaker 2: because he didn't leave them nothing. He hadn't leave me nothing, 515 00:25:28,000 --> 00:25:31,600 Speaker 2: and so now if I leave them something my great grandchildren, 516 00:25:31,680 --> 00:25:34,760 Speaker 2: now I've got to have a conversation about Anthony O'Neil 517 00:25:35,160 --> 00:25:37,280 Speaker 2: because it's like, well, wait, why would he leave this 518 00:25:37,760 --> 00:25:40,080 Speaker 2: to me? Well, let me tell you more about him. 519 00:25:40,359 --> 00:25:42,520 Speaker 2: Let me tell you his vision and mission about life. 520 00:25:42,560 --> 00:25:45,520 Speaker 2: Let me tell you why we don't have consumer that 521 00:25:45,760 --> 00:25:48,400 Speaker 2: why you know our family is so wealthy, and why 522 00:25:48,440 --> 00:25:50,840 Speaker 2: it's so important for you to have it. 523 00:25:51,680 --> 00:25:53,640 Speaker 3: That's breaking generational curses. 524 00:25:53,920 --> 00:25:58,119 Speaker 2: That's setting generations way beyond you to be good and 525 00:25:58,160 --> 00:26:00,760 Speaker 2: to me. When I think about that, man, I get 526 00:26:00,800 --> 00:26:04,200 Speaker 2: more excited about buying a condo from my great grandchildren 527 00:26:04,240 --> 00:26:07,920 Speaker 2: than I do buy my dream card. Like I get 528 00:26:07,960 --> 00:26:11,240 Speaker 2: more excited about having a conversation with the app and 529 00:26:11,280 --> 00:26:14,560 Speaker 2: coming up with ideas and strategies and systems on how 530 00:26:14,600 --> 00:26:17,439 Speaker 2: to do things that goes way beyond me, that I 531 00:26:17,520 --> 00:26:19,440 Speaker 2: won't be able to see the smile on their face, 532 00:26:20,119 --> 00:26:22,560 Speaker 2: I won't be able to see their responses to what 533 00:26:22,640 --> 00:26:24,320 Speaker 2: I leave them, because I'm more than likely I will 534 00:26:24,320 --> 00:26:27,359 Speaker 2: not be here. But to know that my legacy is 535 00:26:27,440 --> 00:26:32,280 Speaker 2: impacting generations beyond me. Now it forces changed within my 536 00:26:32,480 --> 00:26:36,199 Speaker 2: family because then what happens Now my children are going 537 00:26:36,280 --> 00:26:38,200 Speaker 2: to have to do the same thing for their grandchildren, 538 00:26:38,520 --> 00:26:42,000 Speaker 2: for their great grandchildren. Now we're closing the wealth gap 539 00:26:42,040 --> 00:26:44,720 Speaker 2: with black families. And I'm not just buying all this 540 00:26:44,760 --> 00:26:47,800 Speaker 2: stuff for me. Now, I'm thinking for generations beyond me. 541 00:26:48,480 --> 00:26:51,160 Speaker 2: And that's just really for me. I get excited about 542 00:26:51,160 --> 00:26:53,840 Speaker 2: that because the app, when you get inside the app 543 00:26:53,880 --> 00:26:55,800 Speaker 2: and you start telling it your vision for your life, 544 00:26:55,960 --> 00:26:58,520 Speaker 2: it's not just going to say okay, it's gonna stretch 545 00:26:58,520 --> 00:27:02,440 Speaker 2: your mind's gonna make you go longer, deeper, and really 546 00:27:02,480 --> 00:27:06,440 Speaker 2: make you think, like, Okay, prime example, I'm buying this house. 547 00:27:06,440 --> 00:27:08,000 Speaker 2: I'm looking at buying this house and said, well, if 548 00:27:08,000 --> 00:27:11,240 Speaker 2: you do that, it aligns with your vision because now 549 00:27:11,240 --> 00:27:13,560 Speaker 2: that's going to build equity and now you're buying a 550 00:27:13,600 --> 00:27:16,639 Speaker 2: house of that magnitude. This is and it was so funny. 551 00:27:16,680 --> 00:27:19,040 Speaker 2: I never thought about it. It was like getting into 552 00:27:19,119 --> 00:27:22,400 Speaker 2: this bracket of a home. They call these estate homes. Anthony, 553 00:27:22,800 --> 00:27:24,480 Speaker 2: Now this is about legacy. 554 00:27:24,800 --> 00:27:27,960 Speaker 3: I was like, wait, what this is in a state home? 555 00:27:28,240 --> 00:27:30,359 Speaker 2: So it just really get creative, man, and the app 556 00:27:30,400 --> 00:27:32,240 Speaker 2: really stretches you in a far place. 557 00:27:33,000 --> 00:27:35,720 Speaker 1: Yeah. So I want to talk at least for a 558 00:27:35,720 --> 00:27:38,960 Speaker 1: few minutes while I have you about like your position 559 00:27:39,240 --> 00:27:44,040 Speaker 1: and opportunities as an entrepreneur and somebody building businesses, particularly 560 00:27:44,080 --> 00:27:45,920 Speaker 1: in the age AI. One of the things that you 561 00:27:46,000 --> 00:27:47,320 Speaker 1: kind of touched on in the beginning, I said we 562 00:27:47,359 --> 00:27:48,960 Speaker 1: would come back to it is like you said, like 563 00:27:49,000 --> 00:27:52,119 Speaker 1: nobody should be broke, nobody should be in need in 564 00:27:52,160 --> 00:27:55,040 Speaker 1: this day when you have these new tools. So I 565 00:27:55,040 --> 00:27:58,680 Speaker 1: want to like talk about Anthony the entrepreneur, the CEO, 566 00:27:58,880 --> 00:28:04,119 Speaker 1: the businessman, the influencer, the figure, also that personal profile. 567 00:28:04,680 --> 00:28:08,200 Speaker 1: How are you leveraging the tools at our disposal now 568 00:28:08,320 --> 00:28:13,320 Speaker 1: AI and other tools even to amplify and put yourself 569 00:28:13,320 --> 00:28:15,520 Speaker 1: on an even bigger platform things that you couldn't do 570 00:28:15,520 --> 00:28:16,120 Speaker 1: two years ago. 571 00:28:17,320 --> 00:28:21,880 Speaker 2: Oh man, I mean AI has been a massive, massive 572 00:28:22,000 --> 00:28:24,240 Speaker 2: over the last was a year. Really, I've really been 573 00:28:24,240 --> 00:28:26,679 Speaker 2: taking advantage of over the last year, I had a 574 00:28:26,720 --> 00:28:30,119 Speaker 2: meeting with my team and I told them, I said, hey, listen, 575 00:28:30,640 --> 00:28:34,159 Speaker 2: AI has replaced a lot of jobs and the and 576 00:28:34,200 --> 00:28:38,360 Speaker 2: the truth be told, AI can replace my job because 577 00:28:38,400 --> 00:28:39,920 Speaker 2: I am a thought leader. 578 00:28:40,040 --> 00:28:41,240 Speaker 3: I teach. 579 00:28:42,080 --> 00:28:46,200 Speaker 2: So now people can go on chat GPT, ask a question, 580 00:28:46,720 --> 00:28:48,880 Speaker 2: get an answer. Now will it be true or not? 581 00:28:49,360 --> 00:28:52,360 Speaker 3: You know at chat GPT, AI still has that issue. 582 00:28:52,760 --> 00:28:55,160 Speaker 2: I said, So for us, we have to start using 583 00:28:55,240 --> 00:28:58,560 Speaker 2: AI to deliver content faster and to create systems that 584 00:28:58,640 --> 00:29:03,120 Speaker 2: allows us to our daily emails, our daily comments and responses. 585 00:29:03,480 --> 00:29:07,120 Speaker 2: How do we automate that via AI and to where 586 00:29:07,120 --> 00:29:09,240 Speaker 2: it now? It allows me to go back to school 587 00:29:09,280 --> 00:29:11,000 Speaker 2: And that was one of the things that I really 588 00:29:11,080 --> 00:29:15,520 Speaker 2: really loved about AI, that we were able to automate 589 00:29:15,640 --> 00:29:17,200 Speaker 2: a lot of things that we. 590 00:29:17,120 --> 00:29:18,160 Speaker 3: Do within our company. 591 00:29:18,440 --> 00:29:20,640 Speaker 2: And it freed up so much in my time that 592 00:29:20,760 --> 00:29:23,120 Speaker 2: I was able to go back and finish my MBA 593 00:29:23,320 --> 00:29:26,960 Speaker 2: and go back and start my DBA, my doctoral program 594 00:29:27,000 --> 00:29:30,320 Speaker 2: in finance and investing. So now this way, I'm not 595 00:29:30,520 --> 00:29:32,320 Speaker 2: just a content creator. 596 00:29:32,400 --> 00:29:34,160 Speaker 3: I'm not just a YouTuber. 597 00:29:34,480 --> 00:29:37,480 Speaker 2: Now Anthony is a thought leader who's teaching from facts, 598 00:29:37,480 --> 00:29:41,640 Speaker 2: stats and discipline, and so AI for me has generated 599 00:29:41,720 --> 00:29:42,680 Speaker 2: so much freedom. 600 00:29:42,760 --> 00:29:45,240 Speaker 3: Watch this. It has not generated. 601 00:29:44,800 --> 00:29:48,400 Speaker 2: Income for me yet, but it has generated income because 602 00:29:48,440 --> 00:29:52,880 Speaker 2: it's created so much more time freedom. It allows me 603 00:29:52,960 --> 00:29:56,000 Speaker 2: to focus on things that does produce more income. 604 00:29:56,440 --> 00:29:58,600 Speaker 3: I was reading a study earlier, Man. It said that 605 00:29:59,360 --> 00:30:00,120 Speaker 3: by twenty. 606 00:30:00,080 --> 00:30:02,960 Speaker 2: Thirty that they are estimating that we will have close 607 00:30:03,000 --> 00:30:07,120 Speaker 2: to about seventy million jobs replaced by AI. 608 00:30:07,360 --> 00:30:08,440 Speaker 3: But it's also. 609 00:30:08,240 --> 00:30:12,360 Speaker 2: Saying that it will create eighty five million new opportunities. 610 00:30:12,800 --> 00:30:17,520 Speaker 2: And those opportunities are individuals who are using AI, who 611 00:30:17,600 --> 00:30:20,360 Speaker 2: know how to use it to its full capacity. And 612 00:30:20,400 --> 00:30:23,240 Speaker 2: so I think right now, man, if you're not learning AI, 613 00:30:23,440 --> 00:30:26,040 Speaker 2: if you're not spending twenty minutes thirty minutes a day 614 00:30:26,240 --> 00:30:29,320 Speaker 2: learning AI, you are going to miss out on this 615 00:30:29,440 --> 00:30:32,360 Speaker 2: financial boom that's about to happen. We saw it with 616 00:30:33,040 --> 00:30:36,880 Speaker 2: the housing market, We saw that with the internet boom. 617 00:30:37,280 --> 00:30:39,520 Speaker 2: Now we have this AI boom. And I firmly do 618 00:30:39,560 --> 00:30:42,520 Speaker 2: believe within the next five years three to five years, 619 00:30:42,720 --> 00:30:46,280 Speaker 2: if you do not learn AI and incorporated on your 620 00:30:46,360 --> 00:30:49,120 Speaker 2: job and even incorporated within your business, you're going to 621 00:30:49,160 --> 00:30:51,360 Speaker 2: be overlooked and you're going to miss out an amazing opportunity. 622 00:30:52,120 --> 00:30:54,760 Speaker 1: Yeah, I got one more, and this one is more 623 00:30:54,800 --> 00:30:58,480 Speaker 1: introspective for you, because you've talked so much about the 624 00:30:58,520 --> 00:31:01,640 Speaker 1: mindset that it takes to shift and get out of 625 00:31:01,640 --> 00:31:04,840 Speaker 1: a situation and into a new situation. And so you've 626 00:31:04,920 --> 00:31:07,720 Speaker 1: talked about how you know, you were in that car, 627 00:31:08,000 --> 00:31:10,680 Speaker 1: you know, before you finally broke out, and you were 628 00:31:10,760 --> 00:31:14,440 Speaker 1: washing yourself up, and and you you looked at yourself 629 00:31:14,440 --> 00:31:16,560 Speaker 1: in the reflection and you just said something to yourself 630 00:31:16,600 --> 00:31:18,200 Speaker 1: to the effect of, like, there's got to be something 631 00:31:18,200 --> 00:31:21,520 Speaker 1: bigger than me. You know, if you can tell that story, 632 00:31:21,520 --> 00:31:23,680 Speaker 1: because I just you know, gave us synapsis of it. 633 00:31:23,720 --> 00:31:26,000 Speaker 1: But if that version of you, the question is, is 634 00:31:26,040 --> 00:31:29,160 Speaker 1: that if that version of you could see what you're 635 00:31:29,160 --> 00:31:32,760 Speaker 1: building right now, this app this platform, this reach, what 636 00:31:32,760 --> 00:31:33,120 Speaker 1: would he. 637 00:31:33,160 --> 00:31:37,560 Speaker 3: Say at that time? 638 00:31:37,640 --> 00:31:39,720 Speaker 2: He would have said, there's no way in the world 639 00:31:41,160 --> 00:31:45,400 Speaker 2: that this is possible. Because I wasn't exposed to that. 640 00:31:46,240 --> 00:31:51,160 Speaker 2: You know, I love and respect my family, but what 641 00:31:51,280 --> 00:31:54,880 Speaker 2: I'm doing today, my family did not do, so I 642 00:31:54,920 --> 00:32:02,160 Speaker 2: couldn't see beyond that. It wasn't until I got around Unfortunately, 643 00:32:02,160 --> 00:32:05,200 Speaker 2: and I say this honestly in a respectful way, it 644 00:32:05,240 --> 00:32:07,520 Speaker 2: wasn't until I got around white people who took me 645 00:32:07,560 --> 00:32:11,920 Speaker 2: in and exposed me to different opportunities and things. And 646 00:32:12,000 --> 00:32:16,800 Speaker 2: it wasn't until I got there and I was like, wait, wait, wait, 647 00:32:17,800 --> 00:32:19,520 Speaker 2: I got to leave this world and go back to 648 00:32:19,520 --> 00:32:22,480 Speaker 2: my community, because they need to see black people who 649 00:32:22,520 --> 00:32:26,080 Speaker 2: are financially successful, financially well, who are not celebrities. 650 00:32:25,600 --> 00:32:26,720 Speaker 3: And who are not hit by parties. 651 00:32:28,920 --> 00:32:35,400 Speaker 2: They're in tech, they're entrepreneurs, they're scholarly people. And I 652 00:32:35,440 --> 00:32:38,640 Speaker 2: think a quote that I live by, and I remind 653 00:32:38,680 --> 00:32:41,440 Speaker 2: myself this every single day, is that the caliber of 654 00:32:41,440 --> 00:32:44,960 Speaker 2: my future will be determined by the quality of my 655 00:32:45,040 --> 00:32:49,120 Speaker 2: decisions today. So every single day I'm telling myself and 656 00:32:49,200 --> 00:32:52,720 Speaker 2: reminding myself, you just got to make one good decision. 657 00:32:53,080 --> 00:32:54,600 Speaker 3: I'm a math got, I'm a money guy. 658 00:32:55,280 --> 00:32:57,120 Speaker 2: I'm not looking for that one decision to pay me 659 00:32:57,160 --> 00:33:00,680 Speaker 2: back today the power to eighth one. When it comes 660 00:33:00,720 --> 00:33:04,840 Speaker 2: to money, it's compound interest, and compound interest the reward 661 00:33:05,040 --> 00:33:09,160 Speaker 2: is over time. So if today I make one good decision, tomorrow, 662 00:33:09,280 --> 00:33:11,800 Speaker 2: make one good decision the next day, the next day, 663 00:33:11,840 --> 00:33:14,960 Speaker 2: the next month, the next year, eventually all those good 664 00:33:14,960 --> 00:33:19,440 Speaker 2: decisions over time will compound and reward me. But I 665 00:33:19,560 --> 00:33:21,760 Speaker 2: know that if I want to be healthy and at 666 00:33:21,800 --> 00:33:24,880 Speaker 2: eighty years old, then man today, I need to eat healthier. 667 00:33:25,040 --> 00:33:27,000 Speaker 2: If I know, at eighty years old, I still want 668 00:33:27,040 --> 00:33:29,520 Speaker 2: to run around my grandchildren, then I need to go 669 00:33:29,560 --> 00:33:32,600 Speaker 2: see a doctor of physical therapy and start working on 670 00:33:32,600 --> 00:33:35,440 Speaker 2: my knees and start working on my back now at forty, 671 00:33:36,000 --> 00:33:38,600 Speaker 2: If I know I want to retire and be married 672 00:33:38,600 --> 00:33:41,600 Speaker 2: to a beautiful black woman in our seventies and my 673 00:33:41,680 --> 00:33:44,160 Speaker 2: wife got on a nice bikini and she still looked 674 00:33:44,160 --> 00:33:46,360 Speaker 2: good like she's in her forties, then I know that 675 00:33:46,400 --> 00:33:48,840 Speaker 2: I need to work hard now in my forties to. 676 00:33:48,880 --> 00:33:50,240 Speaker 3: Provide us that lifestyle. 677 00:33:50,840 --> 00:33:52,720 Speaker 2: And I just think that a lot of us do 678 00:33:52,800 --> 00:33:55,360 Speaker 2: not really step back and say, you know, what, what 679 00:33:55,400 --> 00:33:56,040 Speaker 2: do I want my. 680 00:33:56,040 --> 00:33:56,760 Speaker 3: Future to look like? 681 00:33:57,320 --> 00:33:59,920 Speaker 2: And what decisions do I need to make today? Mental 682 00:34:00,120 --> 00:34:02,760 Speaker 2: lead that will make sure that that is possible. And 683 00:34:02,800 --> 00:34:08,080 Speaker 2: I'll end on this. Man, I haven't had McDonald's in years. Man, 684 00:34:08,160 --> 00:34:11,880 Speaker 2: I lost about forty pounds in the last year, and 685 00:34:11,920 --> 00:34:14,960 Speaker 2: I went to McDonald's because it's like one o'clock in 686 00:34:15,000 --> 00:34:18,000 Speaker 2: the morning and just landed on a delayed flight and say, 687 00:34:18,080 --> 00:34:19,560 Speaker 2: I need somethings. I had a headache and I didn't 688 00:34:19,600 --> 00:34:20,840 Speaker 2: want to go to bed with a headache, so I 689 00:34:20,840 --> 00:34:23,239 Speaker 2: got me a small fry in the high seat orange 690 00:34:23,920 --> 00:34:29,960 Speaker 2: and get to the window and this elderly lady hands 691 00:34:30,000 --> 00:34:32,560 Speaker 2: me my food and she's shaking, her hands are shaking, 692 00:34:33,320 --> 00:34:35,760 Speaker 2: and I'm the spiritual God and hold spirit said, asked. 693 00:34:35,560 --> 00:34:36,279 Speaker 3: Her how old is she? 694 00:34:36,320 --> 00:34:38,400 Speaker 2: And I asked her and she said, baby, I'm eighty 695 00:34:38,440 --> 00:34:42,480 Speaker 2: two years old. It's one o'clock in the morning and 696 00:34:42,560 --> 00:34:46,360 Speaker 2: an eighty two year old is serving a forty something 697 00:34:46,480 --> 00:34:52,279 Speaker 2: year old food. That that that bothered me because I 698 00:34:52,280 --> 00:34:55,560 Speaker 2: was like, wait, what and she she walked away and 699 00:34:55,600 --> 00:34:56,120 Speaker 2: she came back. 700 00:34:56,160 --> 00:34:57,760 Speaker 3: She said, Babe, let me tell you something. 701 00:34:57,760 --> 00:34:59,960 Speaker 2: The reason why I'm here is because when I was 702 00:35:00,200 --> 00:35:03,560 Speaker 2: your age, I then make the right decisions. So today 703 00:35:03,640 --> 00:35:07,719 Speaker 2: I gotta be here serving you at one o'clock in 704 00:35:07,760 --> 00:35:11,160 Speaker 2: the morning, not even want too. And I was like, man, 705 00:35:11,680 --> 00:35:14,319 Speaker 2: we got to make better decisions when I'm younger, When 706 00:35:14,320 --> 00:35:17,520 Speaker 2: we're younger, and those decisions may not feel. 707 00:35:17,280 --> 00:35:20,239 Speaker 3: Like they're going to pay off today, but before we 708 00:35:20,360 --> 00:35:20,640 Speaker 3: know it. 709 00:35:20,680 --> 00:35:22,239 Speaker 2: Man, just yesterday, I don't know how old you are, 710 00:35:22,239 --> 00:35:24,760 Speaker 2: but just yesterday, I remember being twenty five, I remember 711 00:35:24,760 --> 00:35:26,000 Speaker 2: being thirty just yesterday. 712 00:35:26,480 --> 00:35:29,200 Speaker 3: Time moves. Make sure your decisions are moving. 713 00:35:29,239 --> 00:35:33,880 Speaker 1: To Anthony Odilo, thank you so much for joining me, 714 00:35:34,640 --> 00:35:35,719 Speaker 1: so thank you for having me. 715 00:35:35,760 --> 00:35:36,000 Speaker 3: Brother