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Speaker 1: Money.

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Speaker 2: It comes with a lot of questions and Fidelity can

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Speaker 2: help you get answers. Visit Fidelity dot com slash black

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Speaker 2: Wealth to learn more.

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Speaker 1: Apple.

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Speaker 3: Yes, Apple launches its savings account with one point four

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Speaker 3: point one entry.

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Speaker 1: Now.

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Speaker 3: Apple has launched its Apple Card Savings account, offering a

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Speaker 3: four point one five percent annual percentage yield APY with

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Speaker 3: no minimum deposit or balance requirements. Users can set up

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Speaker 3: an account through a wilet app on their iPhone. Daily

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Speaker 3: cash rewards earned through the Apple Card will automatically be

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Speaker 3: deposited in the savings account, and the users can change

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Speaker 3: the destination of their daily cash or AD funds from

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Speaker 3: their bank account the bank. The account is launched through

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Speaker 3: Goldman Sacks and a collaboration with Goldman Sacks and offers

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Speaker 3: a higher APY compared to the average national rate of

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Speaker 3: zero point three five percent. So the average is zero

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Speaker 3: points set five percent and Apple is coming in with

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Speaker 3: four point one percent. But it's only for Apple cardholders.

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Speaker 4: Yeah, Yes, can I go crazy real quick? Yes? About

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Speaker 4: you banking, healthcare, fintech.

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Speaker 5: We'll talk about quantum sciences later, quantum computing. There's only

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Speaker 5: a few categories of business that matter, So of course

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Speaker 5: if I was CEO of Coinbase, I would be concerned.

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Speaker 5: If I was the CEO Robinhood kudos to Flat, I

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Speaker 5: would be concerned. One point eight billion people have iPhones,

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Speaker 5: so even if they only get a fraction, let's say

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Speaker 5: ten percent of people to use the products, so one

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Speaker 5: hundred and eighty million people while banks are collapsing.

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Speaker 4: I said this on stock Club earlier.

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Speaker 5: You have to decide if your business thrives when there's

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Speaker 5: quantitative easing and a bunch of money flowing around, which

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Speaker 5: is like a hype beast type company, or if you

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Speaker 5: do best in a recession. Meta Facebook came out doing

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Speaker 5: a recession. Apple was launched in a recession. So was Microsoft. Now,

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Speaker 5: with the trust that they built over forty years and

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Speaker 5: all the users, you don't think that they're going to

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Speaker 5: take market share away from Bank of America Wells Fargo

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Speaker 5: City while teaming up with one of the best banks, Goldman,

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Speaker 5: and I'll be interested to see if JP Morgan then

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Speaker 5: turns around and does a partnership with someone to kind

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Speaker 5: of offset this. And thus in this release, I don't

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Speaker 5: know how to frame it any simpler, Like in every

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Speaker 5: category you want to go see where Goldman ranks.

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Speaker 4: Amongst the banks. They didn't do this with w Kovia

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Speaker 4: back in the day for a reason.

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Speaker 5: Right, stay focused on the top two, top four in

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Speaker 5: the sector. But the easiest strategy involves two tech two index.

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Speaker 5: If it's it's a valuable sector or segment of the market,

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Speaker 5: they are going to deploy capital there to eat up

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Speaker 5: market share.

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Speaker 4: And for everyone who's like, yes.

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Speaker 5: Capital one has one at four point six, UBS has

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Speaker 5: one and five percent. Most people in the United States

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Speaker 5: have no fucking clue who UBS is. Most people are

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Speaker 5: not going to go to Capital one. This is a

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Speaker 5: numbers game. Let's stop making it so complicated because I

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Speaker 5: want us to get rich instead of talking about getting rich.

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Speaker 3: Right, actually actually have actually have a Capital one account?

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Speaker 3: You do me too, I mean, but the check capital one.

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Speaker 3: I'm looking at my notes, Respectlet.

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Speaker 2: You just you nailed it, man, right, Like there there

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Speaker 2: are savings accounts that have higher yields.

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Speaker 1: Right, that's great, that's great.

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Speaker 2: Right, I think that the four point one five percent

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Speaker 2: is like eleventh according to bank rate.

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Speaker 1: But here's the thing, Right, the.

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Speaker 2: Ten banks that are in front of them number one,

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Speaker 2: you probably don't know seven of them. But here's what

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Speaker 2: they don't have They don't have one billion people the

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Speaker 2: right like they have one billion and growing and growing

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Speaker 2: at any point. But when we talk about financials, think

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Speaker 2: about how one business helps the next.

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Speaker 1: Right.

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Speaker 2: So, in order, like she says, right, in order for

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Speaker 2: you to have the savings account, you have to have

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Speaker 2: the Apple card. So in the past six months, right,

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Speaker 2: the Apple card has done well. Right after that they

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Speaker 2: have they obviously have Apple Apple Pay. But last month,

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Speaker 2: surprisingly nobody made no noise of it, but they put

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Speaker 2: out there pay now.

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Speaker 1: Save labor, save later applications.

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Speaker 2: So if you think about these three things, like we

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Speaker 2: got to pay now, buy now, pay later, you got

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Speaker 2: the Apple card, Now you've got a great savings account,

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Speaker 2: how do banks now respond?

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Speaker 1: Right, if the big four are.

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Speaker 2: Only providing you with point three five percent, how do

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Speaker 2: they respond?

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Speaker 3: Collaborate with collaborate with Google Collection? Well, I think, are

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Speaker 3: you done?

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Speaker 1: Yeah?

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Speaker 3: So I think that this is an interesting story of

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Speaker 3: a lot of different levels. But what strike what what

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Speaker 3: I saw? The first thing that I saw was the

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Speaker 3: power of collaboration is what I always talk about all

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Speaker 3: the time.

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Speaker 1: And it's like.

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Speaker 3: This the number one technology company, the number one company

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Speaker 3: in the world. Let's say tech company right teams up

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Speaker 3: with arguably the number one investment bank in existence.

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Speaker 4: Yep, it makes sense.

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Speaker 3: Apple has mastered technology, but they have not mastered financial services.

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Speaker 3: Gold Mien Sacks Well, gold min Sachs has mastered financial services.

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Speaker 3: So what's the easy way to fast track your way

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Speaker 3: into financial services? To partner with the best in the business. Right,

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Speaker 3: So they best in the business, and.

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Speaker 2: They This episode is brought to you by P and

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Speaker 2: C Bank. A lot of people think podcasts about work

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Speaker 2: pushing your vision forward.

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Speaker 6: An illegal alien from Guatemala charged with raping a child

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Speaker 6: in Massachusetts. An MS thirteen gang member from El Salvador

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Speaker 6: accused of murdering a Texas man of Venezuelan charged with

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Speaker 6: filming and selling child pornography in Michigan. These are just

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Speaker 6: some of the heinous migrant criminals caught because of President

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Speaker 6: Donald J. Trump's leadership. I'm Christy Noman, the United States

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Speaker 6: Secretary of Homeland Security. Under President Trump, attempted illegal border

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Speaker 6: crossings are at the lowest levels ever recorded, and over

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Speaker 6: one hundred thousand illegal aliens have been arrested. If you

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Speaker 6: are here illegally, your next you will be fine nearly

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Speaker 6: one thousand dollars a day. Imprisoned and deported, you will

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Speaker 6: never return. But if you register using our CBP home

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Speaker 6: app and leave now, you could be allowed to return legally.

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Speaker 6: Do what's right. Leave now. Under President Trump, America's laws,

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Speaker 6: border and families will be protected.

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Speaker 4: Sponsored by the United States Department of Homeland Security.

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Speaker 3: Obviously are gonna, you know, take care. On the financial side,

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Speaker 3: Apple has the technology. It's a win win for everybody.

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Speaker 3: I think Goldman Sachs is a company to watch IM

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Speaker 3: out of this. Everybody's talking about Apple, but what about

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Speaker 3: Goldman Yeah? Right is there is a product as well?

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Speaker 3: So I feel like this is something that's extremely important.

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Speaker 3: Goldman Sacks didn't fight to have their name on it. Right,

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Speaker 3: this is this lessons in here, like this lessons in here,

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Speaker 3: Like you're partnering with somebody, you see the value. Okay,

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Speaker 3: I'm gonna come under your umbrella. That's a humbleingk Goldman

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Speaker 3: Sack does is a billion dollar into multi billion, hundred

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Speaker 3: billion dollar situation. They don't have to do that, but

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Speaker 3: they see the value in the partnership. I'm trying to.

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Speaker 3: We're trying to convince regular people to partner and they

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Speaker 3: they can't even agree on making a social media post.

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Speaker 3: You get even you can't even come to an event.

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Speaker 3: And they running trillion dollar entities and they coming together.

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Speaker 3: You're fighting over small things at the highest level of business,

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Speaker 3: at the highest level. This is how business is done, collaboration.

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Speaker 3: This is why I keep saying it over and over again.

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Speaker 3: But some people get it. Some people don't get it.

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Speaker 3: But for me, I thought it was extremely a smart

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Speaker 3: move for Apple. I think that this is going to

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Speaker 3: really be beneficial for them. I think that this will

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Speaker 3: this will really put them more in the space of

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Speaker 3: the financial services and everything that they do is just

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Speaker 3: like you know, one brick at the time, whether it's healthcare,

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Speaker 3: whether it's you know, rumors that they're going to get

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Speaker 3: into the automotive space. They took over music. Absolutely, they

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Speaker 3: took over music the entire industry. So it's like, you know,

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Speaker 3: Apple is just it's wearables, is there? Here's the concern

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Speaker 3: at what point does it become a monopoly and government

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Speaker 3: breaks it apart.

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Speaker 5: The great part is Apple, Google, and Microsoft have such

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Speaker 5: a symbiotic competitive relationship that they'll always find a way

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Speaker 5: at the same time to dominate a market at the

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Speaker 5: same time where enough of them share enough of the

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Speaker 5: market share to not get monopoly chargers. I think they

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Speaker 5: learned a lot from Bill Gates. So if they go

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Speaker 5: first and then Microsoft goes second, because if you don't

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Speaker 5: think that the CEO don't talk, they do. There's a

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Speaker 5: reason why Microsoft got opened API and then Google push

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Speaker 5: forward will bard even though they have the technology first.

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Speaker 5: Say with Microsoft, Microsoft initially had a iPad before Apple did.

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Speaker 5: No one just wanted it. For Microsoft, they had a

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Speaker 5: nineteen ninety six. Then Apple becomes prominent, then Windows make

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Speaker 5: the push. So I think they're going to team up

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Speaker 5: enough to make sure they have enough market share what

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Speaker 5: they can dominate, but they'll share with each other till

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Speaker 5: no one can get that the monopoly thing pushed against them.

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Speaker 5: And I truly believe at one point, Apple will be

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Speaker 5: the number one technology company while being the number one

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Speaker 5: healthcare company, and while being the number one financial services

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Speaker 5: company in the world.

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Speaker 1: Give it.

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Speaker 3: It's like cause it's like Rockefeller at one point. Rockefeller

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Speaker 3: did everything right and it was like this as it's

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Speaker 3: just when you become so big, now you start to

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Speaker 3: put so many different targets on your back, and you know,

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Speaker 3: you got government regulators, you got the competition, you got

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Speaker 3: people that want to break you apart, even the phone companies.

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Speaker 3: That happened with the phone company and they broke the

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Speaker 3: phone companies apart. And now Apple is the biggest company

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Speaker 3: in the history of the world. So if they try

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Speaker 3: to break Apple, that's going to be hard.

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Speaker 4: But it's just consumers want it.

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Speaker 1: Yeah, the brand recognition is so strong that.

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Speaker 4: Can you do too many things at one time? If

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Speaker 4: you do, they found a way to do the right

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Speaker 4: things well.

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Speaker 2: If you're doing well right, like the wearables by themselves

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Speaker 2: billion dollar business, they've they've done it well into healthcare.

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Speaker 2: It's still I mean, it's kind of premature right now.

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Speaker 1: Right they have the Apple Watch.

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Speaker 2: They haven't really released what they're doing with the information yet,

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Speaker 2: but I'm sure there's a plan in place so you

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Speaker 2: get when they get into the EV space. The brand

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Speaker 2: recognition will allow it to have errors but also allow

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Speaker 2: it to grow exponentially as well, which is interesting. Most

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Speaker 2: businesses don't have that where you can have and grow

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Speaker 2: at the same time because people just trust the brand

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Speaker 2: so much. That's why when you look at it, people

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Speaker 2: if they know that they can just have an Apple

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Speaker 2: Card number one, it's like, yo, you're part of a society.

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Speaker 2: Like when I apply it, this is this is crazy.

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Speaker 2: When you apply for it, they're not just taking anybody. Yes,

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Speaker 2: your credits calld got to be a seven thirty just

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Speaker 2: to have the Apple Card, so you can't even get

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Speaker 2: the savings the crowd. So you're thinking about they're getting

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Speaker 2: credited people with high scores, right, and usually when people

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Speaker 2: have high scores that means they're financially responsible and so

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Speaker 2: those are the type of people that you.

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Speaker 5: Want, and they prefer better people at higher scial and

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Speaker 5: this is a well played people break them up. Let's

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Speaker 5: say if you broke off the app store, the app store

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Speaker 5: is still going to get thirty percent of every business

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Speaker 5: in app store, and if we collapse Apple, it will

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Speaker 5: collapse the entire stock market. Apple and Microsoft is really

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Speaker 5: the only thing keeping the stock market to float right now.

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Speaker 5: Two players is keeping everyone afloat. So you're in a

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Speaker 5: damned if you do, damned if you don't situation. Break

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Speaker 5: up the company in smaller pieces and they'll dominate the

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Speaker 5: top fifteen or keep it together, and it's the stock

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Speaker 5: market afloat. Why we're happy to issue with bricks.

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Speaker 3: My graduates from my school being forced back, drop bags,

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Speaker 3: drop Mike, drop backdrop drop earners.

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Speaker 2: What's going on?

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Speaker 1: Listen?

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Speaker 2: EYLU is relaunching, revamping, retooling.

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Speaker 4: That's right.

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Speaker 2: We're creating a new educational experience that's more expansive, shoty

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Speaker 2: telling we.

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Speaker 7: Got Yes twenty twenty three.

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Speaker 3: We've got a lot.

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Speaker 7: It's still a lot playing for you guys. So you

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Speaker 7: know that Eylu already includes monthly financial planning calls with Me,

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Speaker 7: book club calls with Troy, real estate calls, then MG

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Speaker 7: the mortgage got access to the Home Buying Blueprint Volume

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Speaker 7: one and volume two. Part of the revamp will include

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Speaker 7: twenty seven local chapters from across the United States, live

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Speaker 7: interactive teaching, hands on just pre recorded videos, plus fifteen

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Speaker 7: brand new curriculums.

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Speaker 1: The biggest just got bigger.

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Speaker 4: Head over to e y l university dot com.

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Speaker 5: That's e y l U n I V E R

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Speaker 5: s i t y dot com.

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Speaker 4: See you there,