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Speaker 1: Earners.

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Speaker 2: What's up.

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Speaker 1: You ever walk into a small business and everything just

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Speaker 1: works like the checkout is fast, their seats are digital,

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Speaker 1: tipping is a breeze, and you're out the door before

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Speaker 1: the line even builds odds are they're using Square. We

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Speaker 1: love supporting businesses that run on Square because it just

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Speaker 1: feels seamless. Whether it's a local coffee shop, a vendor

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Speaker 1: at a pop up market, or even one of our

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Speaker 1: merch partners. Square makes it easy for them to take payments,

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Speaker 1: manage inventory, and run their business with confidence, all from

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Speaker 1: one simple system. One of the things we love most

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Speaker 1: is seeing neighborhood businesses level up. Business West Indian spired

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Speaker 1: writing our community that started with a small takeout counter.

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Speaker 1: Now with Square, they've been able to expand into a

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Speaker 1: full sit down restaurant and even started catering events across

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Speaker 1: the city. That's the kind of growth that aspires us,

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Speaker 1: and it's powered by Square. Square is built for all

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Speaker 1: types of businesses, from the corner bagel shop that turned

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Speaker 1: into a local chain, to the specialty market with that

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Speaker 1: thousands of unique items, to the stylists who's been holding

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Speaker 1: you down for years. If you're a business owner or

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Speaker 1: even just thinking about launching something soon. Square is hands

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Speaker 1: down one of the best tools out there to help

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Speaker 1: you start, run and grow. It's not just about payments,

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Speaker 1: it's about giving you time back so you can focus

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Speaker 1: on what matters most ready. To see how Square can

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Speaker 1: transform your business, visit Square dot com backslash go backslash

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Speaker 1: eyl to learn more that Square dot Com backslash, go

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Speaker 1: backslash eyl. Don't wait, don't hesitate. Let's Square handle the

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Speaker 1: back end so you can keep pushing your vision forward.

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Speaker 3: I think the best thing to do is to have

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Speaker 3: a goal, right, like buying a house. To me, I'm

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Speaker 3: living in this house and it's a two family house,

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Speaker 3: so that pays half my mortgage, you know, and my

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Speaker 3: mortgage is less than what my rent would be for

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Speaker 3: something this sides three bedrooms, you know, two and a

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Speaker 3: half bathrooms, a full backyard brownstone. And so I think

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Speaker 3: what you have to do is of what a smart

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Speaker 3: investment is to you. And if you're living here, you

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Speaker 3: would have been paying rent somewhere else, and so to me,

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Speaker 3: that's money you would have been spending anyway. And so

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Speaker 3: the two family house or a three family house, if

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Speaker 3: I would have had a three family house. It would

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Speaker 3: have probably paid the home mortgage. It was just coming

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Speaker 3: up with that down payment. And so that's why I'm

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Speaker 3: a big fan of having a goal of financially Every month,

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Speaker 3: I have a goal of how much I want in

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Speaker 3: my account for the next move I'm about to make,

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Speaker 3: so I go really hard to reach it. And I've

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Speaker 3: been doing really good at that, and so it helps me.

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Speaker 3: Not because I used to be such a spend I

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Speaker 3: used to love to shop, like I would be at

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Speaker 3: the mall literally every week, you know, what can I buy?

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Speaker 3: What can I get? But when you have goals like

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Speaker 3: that makes you realize how unimportant that can be, and

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Speaker 3: not that you can't treat yourself, but it'll be like, Okay,

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Speaker 3: I've hit this goal, I made this money. I have

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Speaker 3: an extra fifteen hundred dollars. What am I going to

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Speaker 3: do with it? You know, let me do something nice

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Speaker 3: for myself. But I really do things like I'm really

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Speaker 3: big on using points. I use my MX cars for

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Speaker 3: every thing, and like, even i have a new house

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Speaker 3: in Brooklyn that I'm renovating, I'm putting everything on my

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Speaker 3: MX card so I can get those points and then

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Speaker 3: I'll be buying furniture with the points that I got

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Speaker 3: from using my MX card. You know, when I travel,

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Speaker 3: I always fly on Delta because I have so many

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Speaker 3: free flights now that I can use, and I get

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Speaker 3: upgraded all the time because of my status on there.

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Speaker 3: So I just try to do things that I know

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Speaker 3: makes sense for me.

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Speaker 4: That's something that's extremely important. Shout out to him five

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Speaker 4: hundreds wise mental style. He has like and all this stuff,

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Speaker 4: but he was like, he's not buying all this design

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Speaker 4: and stuff. He spends one hundred thousand dollars a month

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Speaker 4: on Facebook ads and on his AX cards and he

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Speaker 4: gets like seven thousand dollars reward points back, So I

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Speaker 4: seven thousand dollars reward points. He just goes to Nemen

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Speaker 4: markets and just goes crazy.

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Speaker 3: I got my parents lily bag and my first Inel

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Speaker 3: bag with points on my MX card.

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Speaker 4: As though that's a gym Andy, so well it is that. Well,

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Speaker 4: we got to save that one in That's another that's

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Speaker 4: but Angela, that's something that's extremely important as far as

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Speaker 4: house hacking. I don't want people to breeze over that.

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Speaker 4: Because shout out to empty the mortgage guy. We talked

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Speaker 4: to him and he always talks about house hacking. House

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Speaker 4: hacking is like when you live like what she's doing.

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Speaker 4: She's a two family home. You live on one unit,

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Speaker 4: you you rent out the other unit, or three family

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Speaker 4: or four family whatever. So I think it says a

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Speaker 4: lot when somebody she's famous and she's humble enough to

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Speaker 4: living in a two family home renting out the other

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Speaker 4: part because she understands that it makes economic sense. A

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Speaker 4: lot of us, like some people are struggling day to

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Speaker 4: day and they got too much prizel like what I'm saying.

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Speaker 4: So it's like, I don't want that to get missed

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Speaker 4: in this conversation. Let let alone.

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Speaker 1: You couldn't walk in the property before she had it.

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Speaker 4: Yeah, I even see it. That's that's a lot to

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Speaker 4: think about. People think about it. Like I said, she's

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Speaker 4: not she has to do that, but she understands the

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Speaker 4: importance of it. And it's like why not.

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Speaker 1: Can can we talk about balance? Me with Shall we

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Speaker 1: go back and forth all the time about balance? He

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Speaker 1: likes to have life unbalanced, just how he operates. I

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Speaker 1: like to have balance. I'm listening to you. You're waking

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Speaker 1: up at four am. Most people can't do that. That's dedication, right,

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Speaker 1: your Hall of Fame radio career. Right, you have the

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Speaker 1: real estate portfolio, you got the juice bars. You just said,

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Speaker 1: you got the coffee shop. People forget that you actually

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Speaker 1: have a very successful podcast, right lip service. By the way,

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Speaker 1: we came to your live show.

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Speaker 4: We did come to thank you. Great show.

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Speaker 1: Davies was there, eighty five sour all brothers were there.

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Speaker 1: What does balance look like for you? Oh?

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Speaker 3: And the last thing I want to say is I

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Speaker 3: did open a store in Detroit, also a hair store,

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Speaker 3: a private label, and I can't forget that. I just

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Speaker 3: opened it in January.

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Speaker 2: And go support it.

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Speaker 3: Yeah, it's not thank you, It's not eighty mile and

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Speaker 3: the Quinn there, baby, come see us.

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Speaker 4: Heavy in Detroit.

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Speaker 1: Yeah, listen, how do you manage this all?

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Speaker 3: So balance for me is like leg I've been working

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Speaker 3: all day today. I know I have things that I

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Speaker 3: have to do. But what I try to do is

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Speaker 3: I always try to have one day out of the

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Speaker 3: week during the week that I don't have a lot

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Speaker 3: to do. So on that one day, I might have

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Speaker 3: like a couple of really light things and that's when

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Speaker 3: I handle stuff I need to handle for myself. And

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Speaker 3: then on the weekend, I try to make sure one

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Speaker 3: of those two days is not super busy for me,

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Speaker 3: also because it is important to take a break. Like

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Speaker 3: I try to make sure I get enough sleep. If

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Speaker 3: I know I've been up working, I make sure, like

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Speaker 3: I'm going to bed at nine o'clock on you know,

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Speaker 3: Thursday night, because I plan it, like I plan everything.

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Speaker 3: My schedule is just super rigid and organized, like down

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Speaker 3: to the minute, and so you know, that's it. And

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Speaker 3: then a lot of times I try to mix business

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Speaker 3: with pleasure as far as if I know I had

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Speaker 3: some things to do, and you know, before there was

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Speaker 3: a pandemic, but if I know I had somewhere to be,

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Speaker 3: I'll invite some of my friends to come with me,

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Speaker 3: cause I know they'll have a good time. For me,

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Speaker 3: it might be work, but for a lot of them

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Speaker 3: it's fun. And so that makes work fun for me

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Speaker 3: when I have people that are fun around me.

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Speaker 4: There you have it.

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Speaker 1: It sounds like off.

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Speaker 5: Runt, you're trying to achieve over the next five years,

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Speaker 5: and how can we help? You said, what what's the

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Speaker 5: biggest goal you're trying to achieve over the last five years,

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Speaker 5: and how can we help?

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Speaker 3: So my biggest goal is for these businesses that I started,

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Speaker 3: I want them to be right now. I'm in an

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Speaker 3: investment stage of everything, I feel like, you know, except

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Speaker 3: for the juice bar, which has been open for a

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Speaker 3: few years now, but like with the hair store, I

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Speaker 3: need that to you know, start making money. And I

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Speaker 3: mean it makes money now, but I need to get

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Speaker 3: the return on my investment for the coffee company. The

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Speaker 3: goal for the coffee company is for me to be

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Speaker 3: able to be in stores, and I have all these

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Speaker 3: meetings with different supermarket chains coming up for that and

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Speaker 3: for the Press Juice company, and so I want to

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Speaker 3: make sure that those businesses are you know, huge multi

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Speaker 3: million dollars, one hundred million dollar businesses, and that's the

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Speaker 3: goal for those. And then I'm going to franchise the

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Speaker 3: coffee shops, and so I'm building it out so that

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Speaker 3: it will be franchiseable so that other people can open

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Speaker 3: their own. And we're doing our whole education program when

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Speaker 3: it comes to coffee, because it's a lot in the

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Speaker 3: coffee business that people don't know about. And every business

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Speaker 3: that I do, I try to make sure that I'm

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Speaker 3: always educating myself on it and taking classes and like

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Speaker 3: learning everything so that I become somewhat of an expert

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Speaker 3: on it, because I think it's the worst thing if

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Speaker 3: you open the business and don't know anything about the

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Speaker 3: business that you open.

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Speaker 4: I said, Jim, that is a gym. Ladies and gentlemen.

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Speaker 4: Are we gonna take the question? Yeah? How we go

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Speaker 4: with time? And they gotta get up early? You got

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Speaker 4: a couple more minutes?

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Speaker 3: Yeah, I'm fine.

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Speaker 1: Can we try like an ask you segment?

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Speaker 4: Yeah, let's do it. Let's do it. I think he's

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Speaker 4: familiar with that. Let's do it. All right, let's go,

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Speaker 4: Drew Gron we're not getting we're not getting relationship advice.

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Speaker 4: No relationship advice, and be respectful. Uh, Jill, read yourself.

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Speaker 4: You've been up here.

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Speaker 1: That's going on?

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Speaker 2: How's it going, y'all? Actually, for for you guys, it

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Speaker 2: was about opening up the ROTH. So I just had

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Speaker 2: my brother open up a rock. But when I was

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Speaker 2: looking up roth a count on Invescipedia, it was saying

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Speaker 2: that it has to be earn earned income, and he

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Speaker 2: doesn't work a job and he never has, so like,

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Speaker 2: is he able to open up that route account?

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Speaker 4: How old is he?

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Speaker 2: He's nineteen?

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Speaker 4: I mean, yeah, they're not really gonna check it like that.

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Speaker 4: It's really for the miners, I mean, but yeah, it's

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Speaker 4: supposed to be like I mean, but how is he

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Speaker 4: gonna put money if he never if he never had,

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Speaker 4: if he doesn't work, you're gonna put money in for him?

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Speaker 2: Well, he has a he has a banker, He has

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Speaker 2: like a savings account with some money that he's made

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Speaker 2: throughout his life, and we were just gonna move that

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Speaker 2: money into his rind.

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Speaker 4: Yeah, I mean to give your cause every the bigger.

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Speaker 4: We get a lot of people, and the technical police

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Speaker 4: are coming down on us at an alarming rate. I

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Speaker 4: put a post cazar and they're like, that's tax fraud.

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Speaker 4: He's gonna put you in jail. So pay your taxes. Yes, yes,

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Speaker 4: it has to be earned income that you received. So

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Speaker 4: I'm gonna give you the technical answer on this and

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Speaker 4: tell him that once he starts working then he can

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Speaker 4: start put money into his retirement account. My graduates from

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Speaker 4: my school being forced back drop drop, Mike Drop, back

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Speaker 4: drop drop.

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Speaker 1: This episode is brought to you by P and C Bank.

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Speaker 1: A lot of people think podcasts about work are boring,

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Speaker 1: and sure they definitely can be, but understanding a professionals

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Speaker 1: routine shows us how they achieve their success little by little,

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Speaker 1: day after day. It's like banking with P and C Bank.

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Speaker 1: It might seem boring to safe plan and make calculated

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Speaker 1: decisions with your bank, but keeping your money boring is

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Speaker 1: what helps you live or more happily fulfilled life. P

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Speaker 1: and C Bank Brilliantly Boring since eighteen sixty five. Brilliantly

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Speaker 1: Boring since eighteen sixty five is a service mark of

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Speaker 1: the PNC Financial Service Group, Inc. P and C Bank

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Speaker 1: National Association Member FDIC