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Speaker 1: What's up you guys? Guess what? It's money March. And

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Speaker 1: as promised, we have the gentlemen of Earn Your Leisure

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Speaker 1: Podcast on today's episode. I'm so so thrilled to have

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Speaker 1: them on. They drop some serious gems, and today you

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Speaker 1: can expect us to talk about passing down ownership to

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Speaker 1: our kids, putting your kids on payroll if you're self employed,

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Speaker 1: what an upma is. Ye're about to find out what

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Speaker 1: that is, because I had no idea what that was.

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Speaker 1: How to financially set your kids up with the income

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Speaker 1: you have right now, and how to teach your children

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Speaker 1: to think like an entrepreneur, and you know, in good

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Speaker 1: mom style, we had to ask them some sexy questions too,

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Speaker 1: because you know, they're kind of cute or whatever. Anyway,

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Speaker 1: I hope you guys enjoy this episode. Get your pens out,

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Speaker 1: get those books out, make sure you join their Earn

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Speaker 1: Your Leisure University Academy, and let's make some money in March, y'all.

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Speaker 1: M what's up, y'all? Welcome back to Good Mom's Bad Choices.

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Speaker 1: I'm Erica and I'm Mila and it's March. Bitches.

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Speaker 2: What it do?

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Speaker 1: Hello? March?

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Speaker 3: You starting that way just threw me off. I'm like, wait,

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Speaker 3: what do I say next?

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Speaker 1: It's money March? No, we always say welcome back. Oh

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Speaker 1: I know. I was like, pat myself off. I'm like,

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Speaker 1: what up?

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Speaker 3: What? What are you doing?

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Speaker 1: Well? Hello? Hi? Hi, Happy, Happy hump day. How are you?

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Speaker 1: I'm good, I'm good.

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Speaker 3: How are you?

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Speaker 1: I'm doing great?

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Speaker 3: And I'm even better because it is money March and

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Speaker 3: a bit needs to know about her finances.

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Speaker 1: I am financially illiterate and I need help.

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Speaker 3: So I'm so happy that this month we're finally embarking

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Speaker 3: on you know the thing that most people avoid aka

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Speaker 3: me finances.

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Speaker 1: Are we growing up? Oh my god, we're growing up.

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Speaker 1: We're getting our lives together. Let's get straight into the

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Speaker 1: tarot because we have some guests that I want to

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Speaker 1: get straight too, So let's do this. Boom boom. Today's

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Speaker 1: card is the Strength card.

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Speaker 3: It's a white It's a woman in a white robe,

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Speaker 3: seemingly taming a lion.

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Speaker 1: Hmm, what does this mean? What does this mean? Universe?

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Speaker 1: Please fill us in.

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Speaker 3: The Strength card urges you to tame your animal instincts,

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Speaker 3: gut reactions, and raw emotions and channel these initial responses constructively.

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Speaker 1: It's normal for feelings such.

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Speaker 3: As anger, rage, sadness, guilt, or shame to arise in

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Speaker 3: certain situations. However, it's what you do with these emotions

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Speaker 3: that makes all the difference. Now is the time when

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Speaker 3: you need to be conscious of your instinctual or just

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Speaker 3: and bring them into balance with the greater good.

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Speaker 1: This is no time to act out in rage or hatred.

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Speaker 3: Approach your situation from a place of forgiveness, love, and compassion.

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Speaker 3: Working with a therapist may also help you create coping

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Speaker 3: strategies for what comes up. Your strength gives you confidence

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Speaker 3: to overcome any growing fears, challenges, or doubts. Feel the

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Speaker 3: fear and do it anyway. If you have been going

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Speaker 3: through a rough time and are burnout or stressed, the

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Speaker 3: strength card encourages you to find the power within yourself

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Speaker 3: to persevere. You've got what it takes to see the

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Speaker 3: situation through to its eventual end. You're a loyal friend

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Speaker 3: and a solid supporter. You're a loyal friend and a

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Speaker 3: solid supporter willingly to step up and be present when

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Speaker 3: others are in need, and you may also feel held

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Speaker 3: a whole space for someone who needs your strength and support.

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Speaker 1: It's basically boss up, Boss up, bitch. Basically, it's a

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Speaker 1: letter from the universe telling us the boss to stop

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Speaker 1: complaining about you don't know how to save money and

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Speaker 1: boss the fuck up, boss up.

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Speaker 3: All right, well, Universe, the note has been taken clearly,

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Speaker 3: and I'm gonna boss the fuck up and stop pitching.

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Speaker 1: Are we growing up? Oh my god, are we're growing up?

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Speaker 1: We're getting our lives together, getting our finances together. We've

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Speaker 1: only been parents for six years. But you know, better

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Speaker 1: late than ever, better late than ever.

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Speaker 3: Yeah, I've honestly avoided I'm so avoidant of my finances that, like,

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Speaker 3: if I know I've overspent, I won't even check my

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Speaker 3: bank account, just keep going with anxiety, like fuck it.

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Speaker 1: I think a lot of people are like that. I

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Speaker 1: think I've been like that too. I try not to do

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Speaker 1: that anymore, because there's nothing worse than going into your

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Speaker 1: bank account and then you're like then you're really like fuck,

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Speaker 1: and then you're like, what the fuck do I do now?

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Speaker 1: So I like to just know what's happening over there?

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Speaker 3: And this month the affirmation is I am not living

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Speaker 3: in financial anxiety.

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Speaker 1: I like that I am not living in financial anxiety. True, true,

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Speaker 1: that's a fact because I I've been living in that

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Speaker 1: ship for thirty two years. Strong. Yeah, Antax seasons coming up, Jesus,

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Speaker 1: don't say the tea work. Relax. Well, I'm really excited

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Speaker 1: because me and Jamila we've been talking about doing a

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Speaker 1: month dedicated to finances because I know there's a lot

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Speaker 1: of women, men, parents, even people that don't have kids

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Speaker 1: that listen to our podcast that have questions about, you know,

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Speaker 1: how they can save, how they can do better, what

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Speaker 1: they can invest in? What is cryptocurrency? I have all

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Speaker 1: these questions too, and the cryptocurrency thing is something I've

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Speaker 1: just started kind of getting into. Shout out to my

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Speaker 1: girl Ashley, who's really been guiding me in that space.

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Speaker 1: But I know that this is something that we all

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Speaker 1: just need to get ahead of, right and like stop

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Speaker 1: avoiding absolutely, like this is the one.

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Speaker 3: This is, I mean amongst a lot of other things

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Speaker 3: that they don't really teach you in school, and unfortunately,

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Speaker 3: like in a lot of black communities, that's not something

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Speaker 3: we get from our parents. And because they're not taught,

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Speaker 3: So how the fuck can you really lay messages that

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Speaker 3: you're not you know, you're not aware of.

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Speaker 1: So yes, I.

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Speaker 3: Would like to change that and break that habit with

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Speaker 3: my own child and with myself.

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Speaker 1: Okay, so that's what we're about to do. Let's go.

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Speaker 1: So I'm really really excited about these two guests that

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Speaker 1: we have here today. Ladies and gentlemen, we have the

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Speaker 1: gentlemen of ARN Your Leisure Podcast. We want to welcome

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Speaker 1: Rashad and Troy. What's up, guys, what's up.

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Speaker 2: For having us? Thank you?

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Speaker 1: How you guys doing today?

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Speaker 4: We are any any day we allow and breathe and

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Speaker 4: were good.

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Speaker 2: That's a fact.

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Speaker 1: Amen. Amen, I'm really excited to have you guys. I

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Speaker 1: have been a fan of your show for a while.

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Speaker 1: I actually met Rashad through a girl friend of mine,

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Speaker 1: Nicole Russell, at her Precious Dreams Foundation, so that she

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Speaker 1: had I Sawbershod. We started talking and I have watched

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Speaker 1: your platform that I mean, when was that? That has

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Speaker 1: to be like the beginning of last year? Yeah, that

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Speaker 1: was in nineteen right, Yeah, shout us to Nicole. We

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Speaker 1: had we actually, if you guys haven't checked out the

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Speaker 1: episode we did Nicole, It's called Everything, What is it?

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Speaker 1: Everything a band aid won't fix? Yeah, everything a band

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Speaker 1: aid won't fix. Amazing woman. But I have watched you

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Speaker 1: guys grow your platform, and I remember Rashad talking to

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Speaker 1: you about, you know, your your program or your university

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Speaker 1: essentially that you were creating. At the time, you were

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Speaker 1: just starting to try to figure out even just the

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Speaker 1: streaming aspect of it. And now you guys are fucking

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Speaker 1: killing it. I thought I was. I saw looking on

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Speaker 1: I looked on his instagram. Y'all have a fucking truck

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Speaker 1: and ship with your na on it.

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Speaker 3: I was like, oh, go see your friend eighteen wheeler

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Speaker 3: with their face on it.

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Speaker 1: Like, what are we doing wrong?

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Speaker 3: I'm like, I need to start listening to the podcast

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Speaker 3: from the beginning because I ain't got no truck with

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Speaker 3: my motherfucking face on.

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Speaker 1: Yeah, I mean for real. I was like, Okay, well

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Speaker 1: let me let's let's ask the gentleman to come on

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Speaker 1: the podcast because we need faces on trucks and uh

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Speaker 1: a bunch of other ships.

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Speaker 4: That matter a fact.

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Speaker 1: So can you guys tell our audience. I'm sure a

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Speaker 1: lot of them are already familiar with you guys, but

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Speaker 1: do you mind sharing a little bit about how and

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Speaker 1: why you started your podcast?

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Speaker 2: Yeah? So first, yeah, I'm Asha Troy.

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Speaker 5: So we started it a couple of years ago at

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Speaker 5: the time, you know, he was I had a social

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Speaker 5: media page before the podcast, and I'm a financial advisor.

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Speaker 5: I still practice of the financial advisor. We're growing that

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Speaker 5: page individually. And it was really like a lot of

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Speaker 5: clips that I was putting on Instagram about like from

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Speaker 5: other people's shows, Like I would go on anybody's show

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Speaker 5: that I can get on just to kind of put

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Speaker 5: clips on Instagram build my personal brand. And it was

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Speaker 5: a little different take than regular finance page because we

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Speaker 5: talked about like sports and entertainment, breaking down deals and things.

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Speaker 2: Of that nature.

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Speaker 5: So it just caught a lot of people's interests and

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Speaker 5: a lot of people, you know, just wanted more extended dialogue,

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Speaker 5: so they asked for a podcast. So you know, I

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Speaker 5: spoke to Troy every day for like the last twenty

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Speaker 5: five years, so you know, he was a national.

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Speaker 1: Twenty five years. So y'all been friends for o really

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Speaker 1: long time.

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Speaker 6: Then, yes, I met he was in he was in

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Speaker 6: sixth grade.

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Speaker 4: I was in eighth grade.

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Speaker 2: Oh yeah for sure.

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Speaker 5: So we know it was a natural fit, like, you know,

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Speaker 5: start a podcast, be my podcast host, and he was

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Speaker 5: down what he came up with the name Earr leisure

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Speaker 5: and we started it. We didn't really have any expectations.

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Speaker 5: We didn't really know what to expect. We just thought

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Speaker 5: it would be just a dope idea, just to do something,

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Speaker 5: help build my brand, help just you know, kind of

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Speaker 5: create a side business or whatever.

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Speaker 2: We didn't real even look at it like that.

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Speaker 5: We just did it, and in two years it just

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Speaker 5: has turned into something that I don't think nobody really

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Speaker 5: expected what we have now have a podcast network.

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Speaker 2: We have like four shows under the podcast.

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Speaker 5: On brother Eyo network Eyo University, which she was referring to,

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Speaker 5: I saw educational portal. I have seven thousand members and

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Speaker 5: that and we had one of the top top business

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Speaker 5: podcasts in the world where our show or earned your

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Speaker 5: lesia a bunch of other stuff, like you said, we

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Speaker 5: we're in the truck in now and we all kinds

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Speaker 5: of different stuff.

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Speaker 2: So all of this.

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Speaker 5: Started from a mustance seed of Instagram and just turned

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Speaker 5: into where we're at now.

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Speaker 4: Yeah.

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Speaker 6: Yeah, I'll come from an education background, so we were starting.

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Speaker 6: When we were starting this whole journey, Shoty was doing

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Speaker 6: the Financial Advisor and I was teaching, and so I

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Speaker 6: was doing a program like Yo, we got to teach

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Speaker 6: these kids about money, because at the end of the

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Speaker 6: program we were paying them five hundred dollars and so

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Speaker 6: like that started an adventure into the financial literacy world

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Speaker 6: of educating people about it. So we started with the kids,

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Speaker 6: but we quickly realized that it wasn't an age limit

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Speaker 6: on this. It was like the parents didn't know the

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Speaker 6: things we were talking about. And so like when we

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Speaker 6: realize like, all right, we got something here, let's just

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Speaker 6: multiply this thing to a point where it's like, now

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Speaker 6: we can teach everybody, because like I said, there's no

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Speaker 6: age limit to learn of financial education. A fourteen year

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Speaker 6: old can no more than a twenty five year old

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Speaker 6: and vice versa.

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Speaker 4: So yeah, that's how that's That was the must seed

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Speaker 4: that grew into this.

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Speaker 1: That's so dope. That's amazing. I think I think that's true.

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Speaker 1: I think especially now. I mean I always say, like

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Speaker 1: I feel like the younger generation is so much more

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Speaker 1: connected into like what, first of all, what's happening in

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Speaker 1: the world, more open to really trying to understand financial literacy,

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Speaker 1: and a lot of young people understand, I mean know

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Speaker 1: what a four oh one k is and I know

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Speaker 1: that like some thirty four year olds don't even know

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Speaker 1: what the fuck that is, you know, So I think

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Speaker 1: it's just really I think it's so cool that you have,

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Speaker 1: you know, your university and like just the programs for

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Speaker 1: young people and people of all ages to really understand

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Speaker 1: and take control of their life life essentially, because I think,

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Speaker 1: especially as black people, we just kind of we've been

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Speaker 1: told what we can have and what we can't have,

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Speaker 1: and we've accepted it and we don't ask questions. All

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Speaker 1: of us Obviously, I don't want to generalize us, but

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Speaker 1: a lot of it is that, you know, just not

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Speaker 1: knowing better, not knowing better.

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Speaker 6: It goes back to what you said, like most most

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Speaker 6: people don't have these conversations in their home, and so

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Speaker 6: like what better place to have it than in a

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Speaker 6: setting way they're receptive to it. It's the one thing

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Speaker 6: we learned was like, Yo, teaching the kids is going

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Speaker 6: to be easier than teaching adults because they have already

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Speaker 6: had fears and experiences that will cloud their judgment. Whereas

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Speaker 6: the kid they just like, wait, I can make money

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Speaker 6: doing this and they so they're much more eager to

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Speaker 6: do it and learn. So it's like all right, once

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Speaker 6: they learned it, at fourteen, imagine where they're going to

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Speaker 6: be at twenty one, right, I.

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Speaker 3: Know, I'm so happy to hear, like even you guys

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Speaker 3: telling us you have seven thousand members in your academy,

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Speaker 3: Like that's so dope that there are seven thousand people

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Speaker 3: that are taking the initiative to learn and be better.

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Speaker 3: Like I really feel like it's a revolution, and like

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Speaker 3: not only for like women, for creatives, for black people.

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Speaker 3: Like if you're taking the initiative to go and figure

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Speaker 3: out the ship that we weren't taught early on just

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Speaker 3: to be better than even more power to you. I

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Speaker 3: need to go sign up for the academy, my damnself.

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Speaker 1: Would you say your academy, Like, what is the age range?

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Speaker 1: Is it? Is it like teenagers too? You know, you

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Speaker 1: know older older?

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Speaker 5: There's really no age range kids, you know, eighteen years old,

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Speaker 5: people like sixty years old. It's financial literacy. You know,

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Speaker 5: there's no there's no age limit. And you know, everybody's

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Speaker 5: at different points in life. So you might be eighteen

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Speaker 5: and no you know everything, or you might be sixty

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Speaker 5: years old or not really know anything, but you know,

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Speaker 5: it's always It's a good thing about financial literacy is

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Speaker 5: that you can always start and it doesn't matter what

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Speaker 5: age you are. So that's what that's one of the

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Speaker 5: good things with our platform is that it's not you know,

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Speaker 5: discriminatory to like this is just for millennial, this is

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Speaker 5: just for Generation y Z whatever, Like it's for anybody, anybody,

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Speaker 5: any race, anywhere in the world. We got people all

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Speaker 5: over the world that that tap in with us and learn.

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Speaker 5: So education is the is the best product in the world.

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Speaker 5: I think, in my opinion, people always need to learn.

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Speaker 5: Like if you look at school, it's not even optional,

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Speaker 5: it's mandatory.

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Speaker 2: You have to go to school. College. Everybody knows.

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Speaker 5: College is a trillion dollar industry, been around forever as

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Speaker 5: far as education, even going back to the Greeks and Romans,

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Speaker 5: like you know what I mean, everybody learns going back

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Speaker 5: to Egypt, ancient Egypt, even before that. So what we

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Speaker 5: got right now is, like I said, we just put

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Speaker 5: a different spin on it because this is the first

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Speaker 5: time that you know, finance has been talked about in

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Speaker 5: a man of how we talk about it, like we

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Speaker 5: talk about it, how we how we.

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Speaker 2: Talk like you know, it's just regular. We don't we don't, we.

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Speaker 4: Don't regular, It's Wall Street meet shop less.

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Speaker 1: It's not intimidating. It's not intimidating. Yeah, speaking English, Yeah,

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Speaker 1: because like even sometimes, like I was talking like a

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Speaker 1: few years ago, I was going through my taxes with

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Speaker 1: my tax my tax person who's no longer my person

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Speaker 1: because he can speak no goddamn English. I was like,

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Speaker 1: what the fuck are you talking about? I don't know

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Speaker 1: what you're saying. I give half my check to the

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Speaker 1: government every month. Why the fuck do I still owe money?

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Speaker 1: I don't understand. And he was like, whoa the blilate

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Speaker 1: And I was like, I don't know. I don't know.

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Speaker 1: I feel like, are you taking half? Are you taking

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Speaker 1: the money? I'm confused? But I have a question. So

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Speaker 1: what do you actually what do you teach at the academy?

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Speaker 1: Like is it like college you get to pick and

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Speaker 1: choose your courses or like electives? Like how does that?

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Speaker 1: How does that work over there?

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Speaker 2: Yeah?

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Speaker 5: So every week is a different class, So it's fifty

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Speaker 5: two classes every single week. And we switched the classes

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Speaker 5: up so like today we got a class on credit

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Speaker 5: on business credit. Last week we had a class on

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Speaker 5: how to read stock charts. So we have a class

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Speaker 5: on everything budgeting. You know, how to run systems for

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Speaker 5: your business everything. So what happens is that the classes

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Speaker 5: get archived, so there's over one hundred past classes that

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Speaker 5: already happened, so you can browse through it at your

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Speaker 5: leisure and you know, pick and choose what you want.

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Speaker 5: So it's like different columns. So there's a credit column,

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Speaker 5: there's an insurance column, there's an investment column. So you know,

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Speaker 5: if you just if you just want to just go

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Speaker 5: straight to insurance and learn about life insurance. There's a

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Speaker 5: sixty minute video. We're question and answers and things of

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Speaker 5: that nature. So it's very interactive and it's zoom call,

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Speaker 5: so you know, it's it's a.

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Speaker 2: New way of learning.

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Speaker 5: I feel like college and education is outdated, but education

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Speaker 5: will never be outdated, so we just give them it's

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Speaker 5: a different way to learn.

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Speaker 2: So that's part of it.

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Speaker 5: And then like I'm a financial advisor, so I do

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Speaker 5: monthly financial planning zoom calls with anybody in the group

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Speaker 5: that wants to come. We have a movie club, a

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Speaker 5: book club that Troy is the head of. We have

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Speaker 5: a private Facebook group which is a like community within itself,

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Speaker 5: five thousand people on Facebook and they share different ideas

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Speaker 5: and you know, just communicating all kinds of stuff. We

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Speaker 5: have promotion for small businesses, like you can go on

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Speaker 5: the Facebook group and promote your business.

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Speaker 4: Accountability groups.

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Speaker 6: Yeah, everybody that joins a has a partner or partners

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Speaker 6: that keep them accountable because a lot of times we

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Speaker 6: have aspirations and.

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Speaker 4: We kind of keep them to ourselves.

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Speaker 6: But we've learned, especially being with our university, is like

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Speaker 6: when you share that with somebody, they don't have any

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Speaker 6: judgment on you, they don't know you. They just know

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Speaker 6: your aspiration and so they try to hold you accountable

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Speaker 6: for it. And so we got like over two hundred

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Speaker 6: maybe three hundred people now that are in accountability groups

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Speaker 6: where they've met somebody that has a similar aspiration and

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Speaker 6: they're just pushing them to reach their goals.

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Speaker 4: Which is dope, right, because a.

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Speaker 6: Lot of time you tell your family member something and

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Speaker 6: it's like whatever, right, they can't see the ambition. But

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Speaker 6: like when you tell a complete stranger, they don't know

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Speaker 6: anything about you, Like imagine that, like stranger has no

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Speaker 6: idea who you are. They just know the ambition and

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Speaker 6: so they try to match that and so it's dope.

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Speaker 6: But it goes back to what you said at the beginning,

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Speaker 6: like school didn't teach us a lot of things. And

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Speaker 6: I worked in education for seventeen years, I say I

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Speaker 6: shouldn't even say worked. We still work in education, we're

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Speaker 6: just educating in a different format. But like, who else

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Speaker 6: is going to show you how to create an LLC? Right,

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Speaker 6: most people don't even know what LLC is. Who knows

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Speaker 6: that you can make money as a notary republic? Nobody

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Speaker 6: knows these things. So like we found a gap in

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Speaker 6: a space of finance that nobody was talking about, especially

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Speaker 6: to our community. And so it was like, we're gonna

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Speaker 6: become the encyclopedia the home and act the Dumbo soup

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Speaker 6: for this thing.

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Speaker 5: And then we got a real estate department too, so

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Speaker 5: a shout out to MG the mortgage.

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Speaker 2: Guy, so he put together a whole course on home buying.

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Speaker 5: Like, if you really think about it, you know, buying

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Speaker 5: a home is the most important thing that most people

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Speaker 5: purchase in their life, their biggest purchase, And they don't

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Speaker 5: teach you how to buy a home in school. So

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Speaker 5: what happens is that you just kind of figure it

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Speaker 5: out as you go. You go to the bank. I

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Speaker 5: hope that you don't get you know a bad deal,

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Speaker 5: but nobody even knows that they're getting a bad deal

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Speaker 5: or not.

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Speaker 2: So there's so.

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Speaker 5: Many different things, like when you're go into buying a home,

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Speaker 5: like there's different types of mortgages, there's interest raised, there's

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Speaker 5: mortgages for self employed people, all kinds of different programs

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Speaker 5: and things of that nature. And most of us, you know,

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Speaker 5: a lot of us didn't even come from households with

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Speaker 5: people where our parents even owned a home. So we

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Speaker 5: got to just figure it out as we go, and

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Speaker 5: you know, we just go to the bank and just

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Speaker 5: trust whatever they tell us. And you know, that's kind

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Speaker 5: of crazy if you think about, like that's like really

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Speaker 5: the most important person decision that a lot of people

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Speaker 5: are making in their whole entire life. And there was

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Speaker 5: no it's no education on how to buy a home.

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Speaker 5: So we got that part of the university as well

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Speaker 5: as a home buying course and bi weekly real estate

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Speaker 5: calls to you know, learn about real estate and real

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Speaker 5: estate investments. So we just try to just encompass every

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Speaker 5: single thing that a person that they don't teach in school, stocks,

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Speaker 5: phill estate credit, all that stuff. Everything that they didn't

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Speaker 5: teach in school gave us an opportunity to teach, and

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Speaker 5: that's what we're doing.

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Speaker 1: Do you sleep, you know, like when do you do

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Speaker 1: things for yourself?

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Speaker 2: Good? Question?

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Speaker 1: Make kids? Like when the fuck you can't work?

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Speaker 4: We work in shifts, working shifts.

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Speaker 5: It's crazy that you said about to eat thing, because

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Speaker 5: I didn't. I haven't really ate. I haven't really eaten

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Speaker 5: for the last couple of days. Like I wake up

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Speaker 5: and I just work, and I'm a bachelor. So I

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Speaker 5: just like I ordered uber eats. If I'm hungry at night,

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Speaker 5: I just or I only eat, like I don't eat

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Speaker 5: that much. I'll eat like dinner. I'll drink water, have

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Speaker 5: like a custa something like that. Like you're saying, that's it. Like,

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Speaker 5: so it's definitely in balanced life right now. But hopefully

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Speaker 5: you know, we have some level of well, I don't

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Speaker 5: know the level of balance that he has.

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Speaker 4: Yeah, I gotta have a I mean I got a

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Speaker 4: wife and two kids. So like he lives that.

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Speaker 6: Like I always say that because like people like, yo,

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Speaker 6: how y'all do it?

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Speaker 4: I'm like, he lives that life.

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Speaker 6: So I can live this life, right, so I could

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Speaker 6: be around my kids, so that I could be around

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00:20:31,080 --> 00:20:33,639
Speaker 6: my wife and balance that because that's tough in itself, right, Like,

439
00:20:34,240 --> 00:20:36,960
Speaker 6: my kids expect to see me, that's what they've seen

440
00:20:37,000 --> 00:20:38,560
Speaker 6: their whole life, and so like this is a change

441
00:20:38,560 --> 00:20:40,280
Speaker 6: for everybody. My wife it was like, Yo, I gotta

442
00:20:40,760 --> 00:20:43,159
Speaker 6: really be present. We had this conversation like maybe a

443
00:20:43,480 --> 00:20:46,119
Speaker 6: month ago. It was like, Yo, being present doesn't just

444
00:20:46,160 --> 00:20:48,040
Speaker 6: mean being in the room, right, Like you got to

445
00:20:48,040 --> 00:20:50,600
Speaker 6: be active, you got to be engaged, and so like,

446
00:20:50,680 --> 00:20:52,160
Speaker 6: it's more than just being here. A lot of time

447
00:20:52,200 --> 00:20:55,760
Speaker 6: it's spent doing Leisia, of course, and it's a sacrifice

448
00:20:55,760 --> 00:20:59,480
Speaker 6: on my family. But yeah, man, balance is key, So

449
00:20:59,560 --> 00:21:01,320
Speaker 6: like he lives that life, so I can live this one.

450
00:21:01,400 --> 00:21:05,040
Speaker 6: So that's my brother. So I always am super appreciative

451
00:21:05,119 --> 00:21:07,000
Speaker 6: of that from him.

452
00:21:07,359 --> 00:21:09,720
Speaker 1: So do you how many kids do you have, Troy?

453
00:21:09,920 --> 00:21:11,520
Speaker 4: I have too. I have a boy and a girl.

454
00:21:12,080 --> 00:21:14,560
Speaker 4: My daughter is nine and my son is seven.

455
00:21:15,520 --> 00:21:19,120
Speaker 1: Okay, and you have one? You have one?

456
00:21:19,200 --> 00:21:19,360
Speaker 3: Right?

457
00:21:19,640 --> 00:21:25,879
Speaker 1: How did your son okay? Ten? Yeah? So because of

458
00:21:26,080 --> 00:21:27,920
Speaker 1: the work that you do, Like, how do you talk

459
00:21:27,960 --> 00:21:30,000
Speaker 1: to your kids about money, Like, how do you teach

460
00:21:30,080 --> 00:21:32,560
Speaker 1: them about money? I'm sure that they probably know more

461
00:21:32,600 --> 00:21:33,360
Speaker 1: than us.

462
00:21:34,320 --> 00:21:39,040
Speaker 6: Yep, yeah, I mean they certainly know more than I did.

463
00:21:39,080 --> 00:21:42,480
Speaker 6: At their age obviously, because as I'm learning, I'm teaching,

464
00:21:42,640 --> 00:21:44,919
Speaker 6: Like that's just a natural thing for me. Being in

465
00:21:45,000 --> 00:21:46,560
Speaker 6: education was like as soon as I learn stuff that

466
00:21:46,560 --> 00:21:48,520
Speaker 6: I got to teach it. And so they come in

467
00:21:48,560 --> 00:21:51,160
Speaker 6: contact with it. They have bank accounts right before they're

468
00:21:51,160 --> 00:21:55,280
Speaker 6: ten years old. They understand stocks to a certain extent.

469
00:21:55,560 --> 00:21:58,199
Speaker 6: They understand real estate to a certain extent. Like when

470
00:21:58,200 --> 00:22:00,360
Speaker 6: I go to pay the mortgage, I bring my son

471
00:22:00,440 --> 00:22:02,639
Speaker 6: with me, so he understands, like, yo, this money's for that.

472
00:22:03,000 --> 00:22:05,040
Speaker 6: And so it's just about exposing them at a level

473
00:22:05,080 --> 00:22:07,560
Speaker 6: that they'll understand it. And as they grow they'll learn

474
00:22:07,600 --> 00:22:10,320
Speaker 6: more and understand more. But the best part is just

475
00:22:10,359 --> 00:22:12,480
Speaker 6: showing them this. They get to see this, right, they

476
00:22:12,520 --> 00:22:14,600
Speaker 6: get to see me working. Like I woke up yesterday

477
00:22:14,640 --> 00:22:16,320
Speaker 6: and my son was like, Daddy, you're not working yet,

478
00:22:16,600 --> 00:22:18,199
Speaker 6: because he understands, like this is.

479
00:22:18,200 --> 00:22:19,720
Speaker 4: Something that he owns and I own right.

480
00:22:19,800 --> 00:22:21,600
Speaker 6: So if I asked him every morning, here who's the boss,

481
00:22:21,640 --> 00:22:24,199
Speaker 6: and he's like, I am right, because he is. He's like,

482
00:22:24,240 --> 00:22:25,840
Speaker 6: Ernie Leis is mine and my daughter the same thing.

483
00:22:25,920 --> 00:22:27,919
Speaker 6: Ernie Lei's mind, I'm sure the same thing. They got

484
00:22:27,920 --> 00:22:30,440
Speaker 6: their own little click. Our kids got their own little clique.

485
00:22:30,480 --> 00:22:32,639
Speaker 6: But it's something that we can give to them. Whereas

486
00:22:32,640 --> 00:22:35,840
Speaker 6: when I was teaching, I'll go to work, I miss them.

487
00:22:35,880 --> 00:22:38,159
Speaker 6: I can't go to you know, parent teacher back to

488
00:22:38,200 --> 00:22:40,320
Speaker 6: school nights because I'm doing my own back to school nights.

489
00:22:40,320 --> 00:22:41,080
Speaker 4: So I miss those things.

490
00:22:41,119 --> 00:22:42,680
Speaker 6: And now it's like I have that freedom to do it,

491
00:22:43,080 --> 00:22:44,560
Speaker 6: and I couldn't pass that to him. Like I could

492
00:22:44,600 --> 00:22:46,800
Speaker 6: work for twenty five years in the school district and

493
00:22:46,840 --> 00:22:49,520
Speaker 6: I couldn't guarantee my son or daughter anything but that

494
00:22:49,680 --> 00:22:50,600
Speaker 6: I was able to retire.

495
00:22:50,640 --> 00:22:52,639
Speaker 4: I couldn't guarantee that they would get an interview or

496
00:22:52,640 --> 00:22:54,040
Speaker 4: a job at that school.

497
00:22:54,200 --> 00:22:56,160
Speaker 6: And so passing on ownership to them is something that's

498
00:22:56,160 --> 00:22:57,359
Speaker 6: important they get to witness STFF.

499
00:22:58,119 --> 00:23:00,440
Speaker 1: So when you say passing on ownership to your own

500
00:23:00,440 --> 00:23:03,159
Speaker 1: a portion of or in your leisure then or that

501
00:23:03,320 --> 00:23:05,480
Speaker 1: like here or do like are they on payroll? Like

502
00:23:05,520 --> 00:23:08,000
Speaker 1: how do you? Cause I know I love watching your

503
00:23:08,160 --> 00:23:10,960
Speaker 1: your your Instagram because you guys do have like these

504
00:23:11,040 --> 00:23:14,600
Speaker 1: like very catchy headlines. It's like I'm like, oh shit, wait,

505
00:23:14,600 --> 00:23:16,720
Speaker 1: what how do I how do I pay back myself?

506
00:23:16,960 --> 00:23:18,520
Speaker 1: How do I what do I how do I cheat

507
00:23:18,560 --> 00:23:20,639
Speaker 1: the system? Like what did you say I put I

508
00:23:20,800 --> 00:23:23,480
Speaker 1: put ten like one hundred dollars away for this long.

509
00:23:23,480 --> 00:23:25,960
Speaker 1: I'm gonna have this much by this time, And I'm like, shit,

510
00:23:26,040 --> 00:23:29,639
Speaker 1: these are things that are simple things that like most

511
00:23:29,640 --> 00:23:32,960
Speaker 1: people don't even think about, you know, and consider and

512
00:23:33,000 --> 00:23:35,560
Speaker 1: like even me having a child, you know, my daughter's

513
00:23:35,680 --> 00:23:39,400
Speaker 1: five and her daughter's six, thinking about like what are

514
00:23:39,480 --> 00:23:43,720
Speaker 1: like small ways that I can start building building You know,

515
00:23:43,760 --> 00:23:46,960
Speaker 1: my daughter does have a bank account and she has

516
00:23:47,040 --> 00:23:48,560
Speaker 1: you know, she has money in there and stuff, but like,

517
00:23:48,840 --> 00:23:50,960
Speaker 1: what are like, what are some other ways that like.

518
00:23:51,119 --> 00:23:53,800
Speaker 3: We can actively be can putting away money for them

519
00:23:53,960 --> 00:23:56,480
Speaker 3: as on a regular basis, not like just here and

520
00:23:56,520 --> 00:23:58,920
Speaker 3: there and that to know, like when they turn eighteen

521
00:23:59,640 --> 00:24:02,359
Speaker 3: or sixteen and she's like I want to start this business,

522
00:24:02,440 --> 00:24:04,439
Speaker 3: you know, they have the funds or I want to

523
00:24:04,480 --> 00:24:05,919
Speaker 3: move here, I want to move out of the country

524
00:24:05,920 --> 00:24:07,960
Speaker 3: for a year because I'm eighteen. Now you have the

525
00:24:07,960 --> 00:24:09,880
Speaker 3: funds to do that and to provide them with those

526
00:24:09,920 --> 00:24:10,560
Speaker 3: type of things.

527
00:24:11,160 --> 00:24:14,280
Speaker 5: Yeah, so definitely good question. So you they're not like

528
00:24:14,320 --> 00:24:16,679
Speaker 5: official owners of it when he's referring to is like

529
00:24:16,720 --> 00:24:18,880
Speaker 5: you know, he could pass it down to his kids

530
00:24:18,960 --> 00:24:21,080
Speaker 5: later on because it's you know, it's part of the company,

531
00:24:21,200 --> 00:24:24,320
Speaker 5: is his, but but they're definitely on payroll. That's something

532
00:24:24,359 --> 00:24:27,400
Speaker 5: that any entrepreneurs to take advantage of if you can,

533
00:24:27,560 --> 00:24:31,359
Speaker 5: so you can actually pay you pay your child is

534
00:24:31,440 --> 00:24:35,560
Speaker 5: six thousand, twelve thousand, six hundred twove thousand, six hundred,

535
00:24:36,920 --> 00:24:41,879
Speaker 5: and it's tax deductible to the employer and it's tax

536
00:24:41,960 --> 00:24:44,480
Speaker 5: free to the to the child as long as the

537
00:24:44,600 --> 00:24:48,640
Speaker 5: child is a reasonable working age and can perform some

538
00:24:48,760 --> 00:24:52,040
Speaker 5: level of reasonable job. So like my son is, like

539
00:24:52,119 --> 00:24:54,560
Speaker 5: you know, he's real big on YouTube. He watches YouTube

540
00:24:54,600 --> 00:24:55,439
Speaker 5: all the time and all that.

541
00:24:55,520 --> 00:24:56,680
Speaker 2: So that's his.

542
00:24:56,760 --> 00:24:59,119
Speaker 5: Job to kind of give me different ideas on social

543
00:24:59,200 --> 00:25:02,560
Speaker 5: media and things of that. So paid him twelve thousand

544
00:25:02,600 --> 00:25:04,400
Speaker 5: dollars at the end of the year. Twelve thousand, five

545
00:25:04,480 --> 00:25:06,520
Speaker 5: hundred I think was exactly. At the end of the year.

546
00:25:06,560 --> 00:25:10,200
Speaker 5: We all took distribution, so you know, I put twelve thousand,

547
00:25:10,240 --> 00:25:13,359
Speaker 5: five hundred into his account. But then even bigger than that,

548
00:25:13,359 --> 00:25:15,720
Speaker 5: we put it in a what's called the UTMAH, which

549
00:25:15,800 --> 00:25:18,919
Speaker 5: is a it's an investment account. So saving money, we

550
00:25:18,920 --> 00:25:20,840
Speaker 5: all know, saving money is kind of like losing money

551
00:25:20,880 --> 00:25:23,800
Speaker 5: because with inflation, you're not if you're not earning money.

552
00:25:23,800 --> 00:25:25,399
Speaker 5: If you're not making money on your money, then you

553
00:25:25,440 --> 00:25:28,400
Speaker 5: actually lose money because the dollar is devalued every day.

554
00:25:28,480 --> 00:25:31,680
Speaker 5: So from there, you know, now his money is invested

555
00:25:31,680 --> 00:25:34,600
Speaker 5: in stocks, so you know he has a stock account.

556
00:25:34,640 --> 00:25:36,800
Speaker 5: So not only do we get a tax deduction as

557
00:25:36,800 --> 00:25:38,719
Speaker 5: a company, he doesn't have to pay taxes on it.

558
00:25:39,000 --> 00:25:41,280
Speaker 5: He can it actually grows. It's grown in an account

559
00:25:41,280 --> 00:25:44,040
Speaker 5: for him. So you know, by the time he's twenty

560
00:25:44,119 --> 00:25:47,000
Speaker 5: years old, you know he'll have a nice lump sum

561
00:25:47,040 --> 00:25:49,399
Speaker 5: of money that will be in a a in a

562
00:25:49,480 --> 00:25:52,840
Speaker 5: stock account, and you know he can just live his

563
00:25:52,880 --> 00:25:54,760
Speaker 5: life however he wants to live. So that's really big

564
00:25:54,800 --> 00:25:56,919
Speaker 5: for me. It's just like I feel like, you know,

565
00:25:57,000 --> 00:26:00,840
Speaker 5: we just people being an entrepre It just allows you

566
00:26:00,880 --> 00:26:03,320
Speaker 5: to do things your way. And that's something that's real

567
00:26:03,400 --> 00:26:05,679
Speaker 5: big to me. And just try to impress on my

568
00:26:05,760 --> 00:26:08,440
Speaker 5: son for sure, like you know, there's no rules to life,

569
00:26:08,520 --> 00:26:10,040
Speaker 5: Like you know, they try to put rules on you,

570
00:26:10,119 --> 00:26:11,800
Speaker 5: like you gotta get up at a certain time, you

571
00:26:11,840 --> 00:26:13,840
Speaker 5: gotta eat at a certain time, you gotta do this.

572
00:26:13,960 --> 00:26:16,040
Speaker 5: But he sees me, I get up whenever I want,

573
00:26:16,280 --> 00:26:18,119
Speaker 5: I go to sleep, whenever I want, I eat, whenever

574
00:26:18,160 --> 00:26:20,719
Speaker 5: I want because I just do whatever I want to do.

575
00:26:20,960 --> 00:26:23,760
Speaker 5: So you know, he already has that impression. So if

576
00:26:23,800 --> 00:26:26,480
Speaker 5: he wants to go to school, cool, If not, if

577
00:26:26,520 --> 00:26:28,480
Speaker 5: he has something better to do, at least he'll have

578
00:26:28,520 --> 00:26:30,720
Speaker 5: some money put aside for him so he can start

579
00:26:30,720 --> 00:26:32,119
Speaker 5: a business, he can start a real estate, he can

580
00:26:32,119 --> 00:26:34,320
Speaker 5: do whatever you want to do. So these are things

581
00:26:34,320 --> 00:26:37,240
Speaker 5: that we just learned. We're learning as we go. Like

582
00:26:37,280 --> 00:26:38,919
Speaker 5: even with the trucking, you know, we had to learn

583
00:26:38,960 --> 00:26:41,000
Speaker 5: about that, like this a six thousand pound rule, Like

584
00:26:41,040 --> 00:26:43,720
Speaker 5: if you buy a truck or a vehicle over six

585
00:26:43,760 --> 00:26:46,000
Speaker 5: thousand pounds, you can write off the whole entire amount.

586
00:26:46,359 --> 00:26:48,840
Speaker 5: So when we brought that truck, you know, it's one

587
00:26:48,920 --> 00:26:51,280
Speaker 5: hundred percent tax deductible to the company. We did it

588
00:26:51,280 --> 00:26:54,280
Speaker 5: in the company's name, brought it from the company's bottom line.

589
00:26:54,320 --> 00:26:56,199
Speaker 5: So now we get to take a deduction for that

590
00:26:56,240 --> 00:26:58,679
Speaker 5: whole amount. I think the truck will like all together

591
00:26:58,880 --> 00:27:01,560
Speaker 5: probably like something like that. Yeah, so that was like

592
00:27:01,560 --> 00:27:04,840
Speaker 5: a ninety thousand dollar tax deduction. So you know, it's

593
00:27:05,080 --> 00:27:06,600
Speaker 5: so many different things. We can go on and on

594
00:27:06,640 --> 00:27:08,960
Speaker 5: and on, but these are all things that, like I said,

595
00:27:08,960 --> 00:27:11,680
Speaker 5: you never learned. I never write these things in school.

596
00:27:11,720 --> 00:27:14,159
Speaker 5: I never even learned these things out of school. I

597
00:27:14,240 --> 00:27:16,960
Speaker 5: just learned these things from just our network, our show

598
00:27:17,080 --> 00:27:18,560
Speaker 5: and the relationships that we building.

599
00:27:18,600 --> 00:27:20,639
Speaker 2: It's just like, oh, this is crazy. Learn this knowledge

600
00:27:20,680 --> 00:27:21,000
Speaker 2: is power.

601
00:27:21,080 --> 00:27:23,040
Speaker 5: You save so much money, you make so much money,

602
00:27:23,280 --> 00:27:25,200
Speaker 5: and you realize that, you know, the way that we

603
00:27:25,200 --> 00:27:28,199
Speaker 5: was taught to actually make money is flawed. That's not

604
00:27:28,240 --> 00:27:29,879
Speaker 5: actually the best way to go about it.

605
00:27:30,160 --> 00:27:32,960
Speaker 6: So yeah, it's crazy. So due to matter, So somebody

606
00:27:33,000 --> 00:27:34,360
Speaker 6: write and knowes. So like, if you do that math

607
00:27:34,400 --> 00:27:37,360
Speaker 6: on that, right, you put twelve six or twelve five

608
00:27:37,400 --> 00:27:39,520
Speaker 6: into your account when they're seven years old. By the

609
00:27:39,520 --> 00:27:42,040
Speaker 6: time they ten, you already have one hundred and twenty

610
00:27:42,040 --> 00:27:44,919
Speaker 6: five thousand or more for your child. Imagine that, Like

611
00:27:44,960 --> 00:27:47,280
Speaker 6: how many of us had one hundred and twenty five

612
00:27:47,280 --> 00:27:49,679
Speaker 6: thousand waiting for us when we were eighteen? Right that,

613
00:27:49,800 --> 00:27:51,399
Speaker 6: now the decision becomes do I want to go to

614
00:27:51,480 --> 00:27:53,760
Speaker 6: college or do I want to start something different? Right,

615
00:27:53,800 --> 00:27:55,280
Speaker 6: And it's not like oo, I got to take out

616
00:27:55,320 --> 00:27:58,199
Speaker 6: student loan and being that for thirty more years, I

617
00:27:58,240 --> 00:28:00,400
Speaker 6: have money to go to college if I want, right,

618
00:28:00,400 --> 00:28:02,639
Speaker 6: it's on me. And that that's just if we just

619
00:28:02,680 --> 00:28:05,440
Speaker 6: put it in the account. That's not even what outside

620
00:28:05,480 --> 00:28:07,600
Speaker 6: of the compound of interest if you put it in

621
00:28:07,640 --> 00:28:10,440
Speaker 6: the UPMA and growing on stocks like it's just things

622
00:28:10,440 --> 00:28:13,160
Speaker 6: that like again, we never knew and our parents probably

623
00:28:13,480 --> 00:28:16,440
Speaker 6: didn't know either, and so now it's time to change

624
00:28:17,080 --> 00:28:22,240
Speaker 6: the conversation and the level of literacy for our culture.

625
00:28:23,600 --> 00:28:26,600
Speaker 3: I have a question in the UTMA that type of account.

626
00:28:26,720 --> 00:28:29,360
Speaker 3: Are you choosing the type of stocks that are there

627
00:28:29,440 --> 00:28:33,080
Speaker 3: being invested in or is it just like distributed amongst

628
00:28:33,240 --> 00:28:35,040
Speaker 3: different types of stocks and you have no saying that,

629
00:28:35,080 --> 00:28:35,840
Speaker 3: how does that work?

630
00:28:36,400 --> 00:28:38,240
Speaker 5: Yeah, you can choose it. You choose whatever you want.

631
00:28:38,840 --> 00:28:40,680
Speaker 5: So I just brought some stocks for my son today

632
00:28:40,680 --> 00:28:45,840
Speaker 5: in his account. I brought a gaming ETF so it's

633
00:28:45,840 --> 00:28:49,200
Speaker 5: like video games companies because he plays video games.

634
00:28:49,040 --> 00:28:49,400
Speaker 2: All the time.

635
00:28:49,440 --> 00:28:50,880
Speaker 5: So I figured it'd be a good idea for me

636
00:28:50,920 --> 00:28:53,880
Speaker 5: to actually buy some video games companies like Nintendo, things

637
00:28:53,880 --> 00:28:54,400
Speaker 5: of that nature.

638
00:28:54,760 --> 00:28:58,640
Speaker 2: I brought Apple for him.

639
00:28:57,400 --> 00:28:59,160
Speaker 5: So I might buy a Tesla. I'm waiting for it

640
00:28:59,200 --> 00:29:01,120
Speaker 5: to pull back a little bit. But yeah, you can

641
00:29:01,160 --> 00:29:02,600
Speaker 5: do whatever you want. You can buy any stock you want.

642
00:29:03,800 --> 00:29:08,440
Speaker 1: That's cool. My question is okay, So like yes, putting

643
00:29:08,440 --> 00:29:11,160
Speaker 1: twelve twelve thousand five hundred dollars in your kid's account

644
00:29:11,240 --> 00:29:13,720
Speaker 1: at the end of the year is ideal, right, but

645
00:29:13,800 --> 00:29:17,680
Speaker 1: like for like, for me as a single parent, do

646
00:29:17,760 --> 00:29:20,520
Speaker 1: I have twelve thousand dollars five hundred dollars twelve thousand,

647
00:29:20,560 --> 00:29:22,920
Speaker 1: five hundred dollars to put in my my my kids

648
00:29:22,960 --> 00:29:25,480
Speaker 1: account at the end of the year, like that? Is

649
00:29:25,520 --> 00:29:28,520
Speaker 1: that like the maximum in order to get that.

650
00:29:28,040 --> 00:29:29,440
Speaker 4: That that's the max.

651
00:29:29,480 --> 00:29:30,040
Speaker 2: That's the max.

652
00:29:30,080 --> 00:29:31,880
Speaker 1: But that's not so you don't have you don't have

653
00:29:31,960 --> 00:29:33,440
Speaker 1: to put that amount right now.

654
00:29:33,560 --> 00:29:35,160
Speaker 5: You could do whatever you want. And that's just if

655
00:29:35,160 --> 00:29:37,120
Speaker 5: you own a business to get a tax reduction. But

656
00:29:37,480 --> 00:29:40,200
Speaker 5: anybody can open an utmah, you could put fifty dollars

657
00:29:40,200 --> 00:29:41,960
Speaker 5: a month, and you could put twenty five dollars a

658
00:29:41,960 --> 00:29:44,320
Speaker 5: month whatever. You you know, there's a lot the five

659
00:29:44,320 --> 00:29:46,959
Speaker 5: to twenty nine plan as a college savings account. So

660
00:29:47,000 --> 00:29:48,640
Speaker 5: we just used that as an example as far as

661
00:29:48,640 --> 00:29:51,440
Speaker 5: what we did. You know, obviously, you know, we had

662
00:29:51,560 --> 00:29:53,200
Speaker 5: we had a good year, so he was fortunate.

663
00:29:53,240 --> 00:29:55,280
Speaker 1: But no, no, yeah, no, I'm just I'm just trying

664
00:29:55,280 --> 00:29:56,800
Speaker 1: to I'm just trying to for the people that are

665
00:29:56,840 --> 00:29:59,080
Speaker 1: listening that you know, are like, oh shit, well wait,

666
00:29:59,120 --> 00:30:01,200
Speaker 1: how am I can I do I even can I

667
00:30:01,240 --> 00:30:05,160
Speaker 1: even do this? You know it's like numbers can seem intimidating.

668
00:30:05,160 --> 00:30:06,840
Speaker 1: I know for me, Like I see your numbers, I'm like,

669
00:30:06,840 --> 00:30:07,480
Speaker 1: oh shit.

670
00:30:07,480 --> 00:30:11,440
Speaker 6: Yeah yeah it could could hope. The twelve five is

671
00:30:11,480 --> 00:30:13,320
Speaker 6: just the amount that you could put in that it's

672
00:30:13,320 --> 00:30:15,440
Speaker 6: not tax right, so if we go over that, then

673
00:30:15,480 --> 00:30:17,880
Speaker 6: it's going to be text and so like you want

674
00:30:17,920 --> 00:30:19,760
Speaker 6: to keep it under that. But like, imagine if you

675
00:30:19,800 --> 00:30:22,360
Speaker 6: had two kids, maybe you don't do maybe you put

676
00:30:23,160 --> 00:30:25,200
Speaker 6: a two thousand in each one of their accounts, you

677
00:30:25,240 --> 00:30:28,360
Speaker 6: know what I'm saying. So it's ever wherever you're at, Uh,

678
00:30:29,240 --> 00:30:30,200
Speaker 6: you can make it work for you.

679
00:30:32,080 --> 00:30:35,200
Speaker 1: Do you think that? Because you know, if you're if

680
00:30:35,240 --> 00:30:37,480
Speaker 1: when your child turns eighteen and they have this lump

681
00:30:37,480 --> 00:30:39,360
Speaker 1: sum of money, like and they decide they don't want

682
00:30:39,400 --> 00:30:41,920
Speaker 1: to go to college, is that something that you, as

683
00:30:41,960 --> 00:30:45,080
Speaker 1: an educator Troy would be disappointed in? Or like would

684
00:30:45,080 --> 00:30:47,680
Speaker 1: you would you encourage your child to go to school

685
00:30:48,160 --> 00:30:51,160
Speaker 1: or would you be more like, you know what, I've

686
00:30:51,200 --> 00:30:55,959
Speaker 1: given you the tools, you don't really need this business.

687
00:30:55,520 --> 00:30:55,960
Speaker 4: You know what?

688
00:30:56,080 --> 00:30:58,560
Speaker 6: I think my goal is to have them have a

689
00:30:58,600 --> 00:31:01,600
Speaker 6: free choice, right and not feel burden right, Like I

690
00:31:01,640 --> 00:31:03,160
Speaker 6: remember going to school, it was like, how am I

691
00:31:03,200 --> 00:31:03,640
Speaker 6: going to go?

692
00:31:03,960 --> 00:31:05,160
Speaker 4: Even if I want to go, how am I going

693
00:31:05,200 --> 00:31:05,400
Speaker 4: to go?

694
00:31:05,480 --> 00:31:08,120
Speaker 6: Like my parents can't afford this, And so for them

695
00:31:08,200 --> 00:31:09,920
Speaker 6: to have the choice to say, you know what, I

696
00:31:09,960 --> 00:31:13,000
Speaker 6: want to go to school great, or like that I've

697
00:31:13,040 --> 00:31:15,360
Speaker 6: learned so much from what you're doing. Can I run

698
00:31:15,400 --> 00:31:17,040
Speaker 6: one of the companies for you? Or can we start

699
00:31:17,040 --> 00:31:19,440
Speaker 6: our own business together. I think those are the type

700
00:31:19,440 --> 00:31:20,760
Speaker 6: of conversations I'm looking forward to.

701
00:31:21,160 --> 00:31:21,760
Speaker 4: And so like.

702
00:31:21,960 --> 00:31:25,840
Speaker 6: Obviously working in education and understanding the system, and then

703
00:31:25,880 --> 00:31:29,160
Speaker 6: now having earn your leasure, realizing like, wait, I paid

704
00:31:29,160 --> 00:31:31,760
Speaker 6: all that money and I didn't learn any of these things.

705
00:31:31,760 --> 00:31:34,320
Speaker 6: It's like it's kind of double as sport. It's like

706
00:31:34,600 --> 00:31:36,240
Speaker 6: I don't want to force them to do anything. And

707
00:31:36,280 --> 00:31:39,840
Speaker 6: I think that's what happens when you have the education.

708
00:31:39,960 --> 00:31:42,000
Speaker 6: It's like you can make an educated choice.

709
00:31:42,560 --> 00:31:42,720
Speaker 4: Right.

710
00:31:42,720 --> 00:31:44,600
Speaker 6: A lot of times it was like the goal was

711
00:31:44,640 --> 00:31:47,360
Speaker 6: like go to school four years, get a good job,

712
00:31:47,480 --> 00:31:50,600
Speaker 6: work twenty five years, retire, And now they're looking at

713
00:31:50,600 --> 00:31:53,200
Speaker 6: me and I'm not even forty yet and they're like, wait,

714
00:31:53,720 --> 00:31:57,320
Speaker 6: my dad doesn't go to work anymore. Like it's a difference,

715
00:31:57,960 --> 00:32:02,520
Speaker 6: And so I encourage them to make their own choice,

716
00:32:02,600 --> 00:32:04,040
Speaker 6: but I'm gonna give them the tools.

717
00:32:04,320 --> 00:32:06,760
Speaker 4: As as they grow so that that is a good choice.

718
00:32:08,000 --> 00:32:11,160
Speaker 3: I love that because I definitely felt like I had

719
00:32:11,200 --> 00:32:13,120
Speaker 3: to go to college. I felt like that was the

720
00:32:13,160 --> 00:32:15,640
Speaker 3: only option. I felt like if I didn't go, where

721
00:32:15,680 --> 00:32:17,760
Speaker 3: would I what would I do later? Well, and like

722
00:32:18,800 --> 00:32:20,920
Speaker 3: and it didn't serve me. It didn't serve me unl

723
00:32:21,000 --> 00:32:22,840
Speaker 3: Luckily I didn't take out any student loans.

724
00:32:22,920 --> 00:32:23,960
Speaker 1: I didn't finish either.

725
00:32:24,120 --> 00:32:26,040
Speaker 3: But I was just talking to my homegrow about this,

726
00:32:26,160 --> 00:32:29,320
Speaker 3: Like school, like you said, it really trains you to

727
00:32:29,400 --> 00:32:31,959
Speaker 3: be a worker, be you know. I'm just like, if

728
00:32:31,960 --> 00:32:34,120
Speaker 3: you had stayed at in that school, in the education

729
00:32:34,240 --> 00:32:36,760
Speaker 3: system the way that you were going, like that school

730
00:32:36,760 --> 00:32:38,840
Speaker 3: doesn't guarantee your kids shit, you know.

731
00:32:38,920 --> 00:32:40,040
Speaker 1: And so sometimes I think.

732
00:32:40,080 --> 00:32:43,160
Speaker 3: It's this safety net as like black people were like,

733
00:32:43,200 --> 00:32:44,720
Speaker 3: if you get a good job, then you're good.

734
00:32:44,720 --> 00:32:46,840
Speaker 1: You're gonna be great, But that isn't guarantee shit.

735
00:32:46,840 --> 00:32:49,480
Speaker 3: And then you get into this corporate America and you realize,

736
00:32:49,480 --> 00:32:51,920
Speaker 3: like these people don't give a fuck about you. I

737
00:32:51,920 --> 00:32:54,080
Speaker 3: hate to break it to you, but like your job, generally,

738
00:32:54,560 --> 00:32:57,080
Speaker 3: most jobs don't give a fuck about you. You're you're

739
00:32:57,440 --> 00:33:00,480
Speaker 3: like replaceable, you know, like unless you have a skill

740
00:33:00,560 --> 00:33:03,200
Speaker 3: that nobody else has, Like you can be trained and

741
00:33:03,240 --> 00:33:04,040
Speaker 3: you can be replaced.

742
00:33:04,080 --> 00:33:05,840
Speaker 1: But so often we're like, oh, you know.

743
00:33:05,800 --> 00:33:07,640
Speaker 3: I work at the Marriot, I work for you know,

744
00:33:08,120 --> 00:33:10,400
Speaker 3: JP Morgan, and I do this, and I do this,

745
00:33:10,480 --> 00:33:12,360
Speaker 3: and you have these titles and they like fake give

746
00:33:12,400 --> 00:33:16,800
Speaker 3: you these these wins, but ultimately it's not it's not legacy,

747
00:33:16,920 --> 00:33:19,040
Speaker 3: like it's not going to pass down to your kids,

748
00:33:19,280 --> 00:33:21,160
Speaker 3: and even in school, like they just like you said,

749
00:33:21,200 --> 00:33:23,720
Speaker 3: you hope your kid has the option. I was just

750
00:33:23,720 --> 00:33:25,880
Speaker 3: thinking about this. In school, I teach you like algebra.

751
00:33:25,960 --> 00:33:29,520
Speaker 3: I haven't fucking used algebra once, not once, Geometry, right,

752
00:33:29,760 --> 00:33:30,520
Speaker 3: all these things.

753
00:33:30,560 --> 00:33:34,320
Speaker 1: I was stressed, staying up late at not crying and

754
00:33:34,400 --> 00:33:36,720
Speaker 1: ship just like I'm not gonna I never had to

755
00:33:36,760 --> 00:33:40,920
Speaker 1: pull it out. I never had to once about mortgages.

756
00:33:40,960 --> 00:33:42,760
Speaker 3: And I talk about you know, like you said, LLC

757
00:33:42,920 --> 00:33:45,120
Speaker 3: with me and Erica got our LLC for this. We

758
00:33:45,160 --> 00:33:47,480
Speaker 3: went to like where everybody else goes legal dot com

759
00:33:47,560 --> 00:33:48,040
Speaker 3: or whatever.

760
00:33:49,320 --> 00:33:51,400
Speaker 1: And they take like your money to do some simple

761
00:33:51,440 --> 00:33:54,440
Speaker 1: ass ship. So like you're asking, you're raising.

762
00:33:54,120 --> 00:33:56,040
Speaker 3: Your hand and asking a teacher, can you pee and

763
00:33:56,040 --> 00:33:58,640
Speaker 3: ship like duh, you could pee, go up and go.

764
00:33:58,880 --> 00:34:02,040
Speaker 1: You know, it's literally training you to be a sheep.

765
00:34:02,480 --> 00:34:05,560
Speaker 6: Yeah, it's from the Industrial Revolution. So like, if you

766
00:34:05,560 --> 00:34:08,480
Speaker 6: think of the Industrial Revolution, everybody worked in a factory,

767
00:34:08,480 --> 00:34:11,359
Speaker 6: and so that's the same model that they built schools around. Right,

768
00:34:11,440 --> 00:34:13,960
Speaker 6: you go into a building, you don't come out of

769
00:34:13,960 --> 00:34:16,600
Speaker 6: that building to a certain time. When the bell rings,

770
00:34:16,640 --> 00:34:18,720
Speaker 6: that means the shift is over. When the bell rings,

771
00:34:18,719 --> 00:34:21,040
Speaker 6: that means the period's over. Everybody goes to lunch at

772
00:34:21,080 --> 00:34:23,080
Speaker 6: the same time. There's a specific space. You need to

773
00:34:23,120 --> 00:34:25,040
Speaker 6: go to the bathroom, you have to sit in your desk.

774
00:34:25,080 --> 00:34:27,759
Speaker 6: There's all these rules and they haven't realized and I

775
00:34:27,760 --> 00:34:30,960
Speaker 6: think Corona is really amplified it. Like there needs to

776
00:34:30,960 --> 00:34:33,359
Speaker 6: be reformed in education because the way that kids learn

777
00:34:33,440 --> 00:34:35,640
Speaker 6: and the things they didn't learn, it will not resonate

778
00:34:35,760 --> 00:34:36,440
Speaker 6: in their future.

779
00:34:36,719 --> 00:34:37,759
Speaker 4: I mean, they don't resonate now.

780
00:34:37,760 --> 00:34:40,560
Speaker 6: Like you said, when you started saying like math, I'm like,

781
00:34:40,600 --> 00:34:42,799
Speaker 6: I remember like being pissed. I didn't know what the

782
00:34:43,200 --> 00:34:45,040
Speaker 6: pythagon ring in theorem was. I'm like, yo, when am

783
00:34:45,040 --> 00:34:47,319
Speaker 6: I ever going to use this again? And I never have,

784
00:34:47,560 --> 00:34:49,040
Speaker 6: And it was just like, so what was the point

785
00:34:49,040 --> 00:34:51,920
Speaker 6: of all this, and so like being in that environment

786
00:34:52,040 --> 00:34:54,759
Speaker 6: and knowing that this is flawed, I felt like, yo,

787
00:34:54,840 --> 00:34:58,160
Speaker 6: I'm complicit. I just was overwhelmed by complicity. I'm like, yo,

788
00:34:58,440 --> 00:35:00,879
Speaker 6: I'm getting paid to help ki. It's not really learned

789
00:35:00,920 --> 00:35:02,960
Speaker 6: anything for their future. And so that's why it was

790
00:35:03,000 --> 00:35:04,920
Speaker 6: so important that we did the summer program. And now

791
00:35:04,920 --> 00:35:07,040
Speaker 6: that we're doing this, it's like, Yo, this is way

792
00:35:07,080 --> 00:35:10,360
Speaker 6: more fulfilling because these things that we're teaching now they

793
00:35:10,440 --> 00:35:12,520
Speaker 6: can apply and they can execute on and it can

794
00:35:12,640 --> 00:35:13,920
Speaker 6: change and it could create legacy.

795
00:35:14,000 --> 00:35:16,920
Speaker 1: Like what you said, do your kids have any side hustles?

796
00:35:18,280 --> 00:35:21,239
Speaker 5: Yeah, my son is a YouTuber, so you're not really

797
00:35:21,280 --> 00:35:22,600
Speaker 5: looking at it like to make money.

798
00:35:22,680 --> 00:35:25,000
Speaker 1: Yet what does he doing playing video games?

799
00:35:25,160 --> 00:35:25,960
Speaker 2: Yeah?

800
00:35:26,000 --> 00:35:27,440
Speaker 5: So you know, I thought it was a good idea

801
00:35:27,520 --> 00:35:30,560
Speaker 5: to have something if you're gonna play, like you know

802
00:35:30,560 --> 00:35:32,960
Speaker 5: what I mean, being creative about it and actually, you know,

803
00:35:33,200 --> 00:35:36,719
Speaker 5: learn how to upload videos and edit videos and things

804
00:35:36,760 --> 00:35:40,240
Speaker 5: of that nature. So he definitely has his own YouTube channel.

805
00:35:41,160 --> 00:35:43,960
Speaker 5: He's a YouTuber, so yeah, I guess that would be

806
00:35:43,960 --> 00:35:46,120
Speaker 5: his side hustle. Like I said, it's not and I

807
00:35:46,120 --> 00:35:48,319
Speaker 5: think that that's important too. It's like everything is not

808
00:35:48,320 --> 00:35:50,640
Speaker 5: always about making money, especially when you're a kid. It's like,

809
00:35:51,160 --> 00:35:53,640
Speaker 5: you know, it's difficult for a regular person to start

810
00:35:53,680 --> 00:35:55,759
Speaker 5: a business, so definitely a kid, but if they can

811
00:35:55,840 --> 00:35:58,839
Speaker 5: actually get into the idea of thinking outside the box

812
00:35:58,880 --> 00:36:00,840
Speaker 5: and thinking like a business, like YouTube is a billion

813
00:36:00,880 --> 00:36:03,920
Speaker 5: dollar business, and even us, like you know what I'm saying,

814
00:36:03,920 --> 00:36:04,560
Speaker 5: we're on YouTube.

815
00:36:04,719 --> 00:36:06,319
Speaker 2: We get a nice YouTube check every month.

816
00:36:06,760 --> 00:36:09,480
Speaker 5: So now instead of just thinking about it as a

817
00:36:09,520 --> 00:36:12,279
Speaker 5: consumer and just going on YouTube to watch it, he's

818
00:36:12,320 --> 00:36:14,640
Speaker 5: actually uploading content on his own and now he's on

819
00:36:14,680 --> 00:36:17,840
Speaker 5: the other side of it where he's actually a content creator.

820
00:36:18,320 --> 00:36:21,120
Speaker 5: So you know, he might have his own YouTube channel

821
00:36:21,560 --> 00:36:23,799
Speaker 5: ten years from now that has a million subscribers, or

822
00:36:23,840 --> 00:36:25,080
Speaker 5: you know, even a couple of years from now that

823
00:36:25,120 --> 00:36:27,640
Speaker 5: has a million subscribers. But even if he doesn't, at

824
00:36:27,719 --> 00:36:30,880
Speaker 5: least he's getting trained to think like, you know, a

825
00:36:30,920 --> 00:36:34,279
Speaker 5: business and an entrepreneur, not just you know, somebody that's

826
00:36:34,320 --> 00:36:37,000
Speaker 5: just a consumer just consuming the content.

827
00:36:37,440 --> 00:36:39,839
Speaker 6: My kids don't have a side hustle yet, and I'm

828
00:36:39,840 --> 00:36:42,960
Speaker 6: cool with that. I kind of love it because I'm

829
00:36:42,960 --> 00:36:45,000
Speaker 6: West Indian. My parents are from Jamaica, and so like

830
00:36:45,280 --> 00:36:47,000
Speaker 6: there was like three things we had to be. You

831
00:36:47,080 --> 00:36:49,000
Speaker 6: have to be one of those three things. And so

832
00:36:49,120 --> 00:36:50,880
Speaker 6: like to see my kids say like, yo, Daddy, I

833
00:36:50,960 --> 00:36:53,000
Speaker 6: want to do a cooking channel on YouTube, and then

834
00:36:53,080 --> 00:36:56,000
Speaker 6: the next week it's something different. And now you know,

835
00:36:56,040 --> 00:36:58,320
Speaker 6: they come down when I'm recording something down here and

836
00:36:58,360 --> 00:37:00,440
Speaker 6: they're like, what buttons do I press? Want to learn

837
00:37:00,440 --> 00:37:02,520
Speaker 6: how to do that? Or they'll see me editing something

838
00:37:02,560 --> 00:37:04,200
Speaker 6: they're like, oh, how do you do that? And so

839
00:37:04,239 --> 00:37:06,440
Speaker 6: their mind just runs all over the place, Like right

840
00:37:06,480 --> 00:37:10,400
Speaker 6: now he's in a coding program for roadblocks. So I

841
00:37:10,400 --> 00:37:12,879
Speaker 6: mean every two months it changes. But it's great because

842
00:37:12,880 --> 00:37:14,640
Speaker 6: it's like if their minds are spinning, whereas it was

843
00:37:14,640 --> 00:37:16,879
Speaker 6: like yo, Troy, you're gonna be a doctor, You're gonna

844
00:37:16,880 --> 00:37:21,040
Speaker 6: be a lawyer. If you're not one of those two things, man,

845
00:37:21,640 --> 00:37:22,399
Speaker 6: you let us down.

846
00:37:24,000 --> 00:37:26,239
Speaker 1: What do your parents think now? I mean, what do

847
00:37:26,239 --> 00:37:26,960
Speaker 1: they think of you now?

848
00:37:27,080 --> 00:37:27,840
Speaker 4: And then it's.

849
00:37:27,719 --> 00:37:30,480
Speaker 6: Interesting because like I'll be like, yeah, I'm going downstairs

850
00:37:30,520 --> 00:37:33,120
Speaker 6: to work and they're like, okay, they have no clue.

851
00:37:33,160 --> 00:37:35,400
Speaker 6: Like they turned on earnial legia for the first time

852
00:37:35,440 --> 00:37:37,560
Speaker 6: a few months ago. They were like, Oh, that's what

853
00:37:37,600 --> 00:37:38,279
Speaker 6: you do down there.

854
00:37:39,960 --> 00:37:40,520
Speaker 4: It's just cool.

855
00:37:40,560 --> 00:37:42,600
Speaker 6: I'm like, yo, mom, Like this, this is changing our life,

856
00:37:42,600 --> 00:37:45,799
Speaker 6: Like we really changing people's lives. They're like, all right,

857
00:37:45,840 --> 00:37:48,960
Speaker 6: but the American Express bill is due tomorrow, so did

858
00:37:49,000 --> 00:37:53,320
Speaker 6: you pay it? Like that that's just West Indian parents.

859
00:37:53,360 --> 00:37:55,799
Speaker 6: But it's dope because it's like it keeps it keeps

860
00:37:55,840 --> 00:37:58,080
Speaker 6: me extremely humble. It's like, all right, I gotta keep

861
00:37:58,120 --> 00:38:00,799
Speaker 6: going harder today. Like yo, when they the NBC every

862
00:38:00,840 --> 00:38:03,279
Speaker 6: day or they watched like ABC at eleven, they got

863
00:38:03,320 --> 00:38:04,399
Speaker 6: a schedule when they watch TV.

864
00:38:04,880 --> 00:38:06,560
Speaker 4: I said, you know what I'm gonna do.

865
00:38:06,560 --> 00:38:08,280
Speaker 6: I'm gonna end up on the show that they watched

866
00:38:08,280 --> 00:38:10,560
Speaker 6: and they're gonna be like, oh shit, Oh.

867
00:38:10,440 --> 00:38:16,279
Speaker 1: Then they're gonna be like that's hilarious. That's what it

868
00:38:16,320 --> 00:38:19,680
Speaker 1: takes some times. I mean yeah, I mean parents are

869
00:38:20,200 --> 00:38:22,520
Speaker 1: they're either like in the on the front line or

870
00:38:22,520 --> 00:38:25,560
Speaker 1: they're in the back waiting for them until until something happens.

871
00:38:25,920 --> 00:38:28,200
Speaker 1: Then they're on your team. I knew you was doing

872
00:38:28,239 --> 00:38:29,080
Speaker 1: something good over there.

873
00:38:29,680 --> 00:38:31,560
Speaker 4: Yeah, I knew down the air you guys are doing

874
00:38:31,600 --> 00:38:32,560
Speaker 4: great things that I'm.

875
00:38:32,400 --> 00:38:38,600
Speaker 1: Sure what like you know, with COVID happening and like

876
00:38:38,880 --> 00:38:41,640
Speaker 1: you know, it's been such a fucking crazy time since

877
00:38:42,520 --> 00:38:46,480
Speaker 1: last March and obviously your business has grown because I

878
00:38:46,480 --> 00:38:48,840
Speaker 1: think a lot of people too are like having to

879
00:38:48,880 --> 00:38:52,960
Speaker 1: figure shit out and really having to understand what everything

880
00:38:53,080 --> 00:38:56,040
Speaker 1: means and where they can save, and like, have you

881
00:38:56,120 --> 00:38:58,359
Speaker 1: noticed that? I'm sure like so many people have been

882
00:38:58,640 --> 00:39:01,480
Speaker 1: more and more intrigued by you know, what you guys

883
00:39:01,600 --> 00:39:07,759
Speaker 1: offer because they they don't have they really on yourself. Yeah,

884
00:39:07,800 --> 00:39:09,799
Speaker 1: they realized. I think a lot of what COVID has

885
00:39:09,800 --> 00:39:13,600
Speaker 1: shown people is that you only got yourself and you

886
00:39:13,640 --> 00:39:16,000
Speaker 1: got to figure the shit out. And it's kind of

887
00:39:16,040 --> 00:39:18,960
Speaker 1: like scary. Yeah, it's scary. It feels like every man

888
00:39:19,080 --> 00:39:20,719
Speaker 1: for himself because you know.

889
00:39:20,680 --> 00:39:22,920
Speaker 3: Like you know, people say that everybody is an entrepreneur

890
00:39:23,320 --> 00:39:24,680
Speaker 3: and that's not true.

891
00:39:24,719 --> 00:39:26,440
Speaker 1: You know, that's obviously not true.

892
00:39:26,440 --> 00:39:30,239
Speaker 3: But like even prior to I'm an esthetician and I

893
00:39:30,280 --> 00:39:34,239
Speaker 3: worked for myself. But but even prior to that, like

894
00:39:34,280 --> 00:39:36,600
Speaker 3: in college or like when I dropped out of college,

895
00:39:36,640 --> 00:39:37,640
Speaker 3: I was being a waitress.

896
00:39:37,680 --> 00:39:41,560
Speaker 1: I was a waitress in Atlanta, and I was making.

897
00:39:41,280 --> 00:39:43,799
Speaker 3: Hella bread, but like just spending that shit as quickly

898
00:39:43,880 --> 00:39:45,600
Speaker 3: I was making it, you know, like making a thousand

899
00:39:45,640 --> 00:39:47,960
Speaker 3: dollars a night and literally just spending it, fucking it

900
00:39:48,040 --> 00:39:52,160
Speaker 3: off because I just didn't have any idea about financial literacy,

901
00:39:52,200 --> 00:39:54,680
Speaker 3: and so sometimes people like we're in this the age

902
00:39:54,680 --> 00:39:58,360
Speaker 3: of Instagram, or like being an entrepreneur and being your

903
00:39:58,400 --> 00:40:00,719
Speaker 3: own boss is so heavily glorified and you could have

904
00:40:00,760 --> 00:40:03,960
Speaker 3: a million great ideas, but if you can't maintain that

905
00:40:04,080 --> 00:40:06,800
Speaker 3: business and you can't monetize it, it doesn't fucking matter.

906
00:40:07,120 --> 00:40:08,799
Speaker 1: People are having to get a lot more have gotten

907
00:40:08,840 --> 00:40:10,920
Speaker 1: a lot more scrappy. I'm sorry to see people get

908
00:40:10,960 --> 00:40:15,239
Speaker 1: really more so into cryptocurrency and because you know, you

909
00:40:15,320 --> 00:40:17,400
Speaker 1: kind of don't have to rely on the bank anymore.

910
00:40:17,520 --> 00:40:21,640
Speaker 1: And it's like, I'm so new to it. My one

911
00:40:21,640 --> 00:40:24,000
Speaker 1: of my friends like has been pushing me to get

912
00:40:24,000 --> 00:40:25,400
Speaker 1: into it, get into it, and I was like, I

913
00:40:25,440 --> 00:40:27,879
Speaker 1: don't know, I don't get it. It looks scary. There's

914
00:40:27,960 --> 00:40:30,560
Speaker 1: lines and shit and like out and she's like, that's

915
00:40:30,560 --> 00:40:32,480
Speaker 1: what they want you to think. Like I don't want

916
00:40:32,520 --> 00:40:34,960
Speaker 1: you over here. They don't want women over here, specifically

917
00:40:35,200 --> 00:40:37,520
Speaker 1: black women. Get your ass over here. And I went

918
00:40:37,560 --> 00:40:39,520
Speaker 1: over to our house one day and then she was like, Okay,

919
00:40:39,680 --> 00:40:41,560
Speaker 1: you need to download this app. Then you gotta download

920
00:40:41,560 --> 00:40:43,000
Speaker 1: this app, you gotta connect and I was like, yo,

921
00:40:43,080 --> 00:40:44,839
Speaker 1: this is hard. And but then once I got in,

922
00:40:44,960 --> 00:40:48,960
Speaker 1: I was like, okay, and I don't she's still learning,

923
00:40:49,000 --> 00:40:50,319
Speaker 1: so I don't know if she did get me all

924
00:40:50,320 --> 00:40:52,400
Speaker 1: the wund Well, let me look, I can open up

925
00:40:52,440 --> 00:40:54,560
Speaker 1: my what is the app that I have on my

926
00:40:54,600 --> 00:40:55,400
Speaker 1: phone yet?

927
00:40:56,440 --> 00:40:56,560
Speaker 4: Bro?

928
00:40:56,719 --> 00:41:01,200
Speaker 1: I got coinbased Pro, I got Cracking Pro, I got

929
00:41:01,280 --> 00:41:07,520
Speaker 1: robin Hood, I got all I bought some current, I

930
00:41:07,520 --> 00:41:11,320
Speaker 1: bought some currency and under the coin based Pro app.

931
00:41:11,480 --> 00:41:15,120
Speaker 1: So it's going it's been going up. Ethereum is going up.

932
00:41:17,200 --> 00:41:20,080
Speaker 1: But I but I still feel like I have so

933
00:41:20,160 --> 00:41:22,960
Speaker 1: much to learn, and I'm like, I didn't even I

934
00:41:22,960 --> 00:41:24,840
Speaker 1: didn't even put that much money down because I was scared.

935
00:41:24,840 --> 00:41:27,239
Speaker 1: I was like, I looked at her account, I was like, the.

936
00:41:27,280 --> 00:41:27,760
Speaker 4: How much.

937
00:41:30,360 --> 00:41:33,040
Speaker 1: She's like I made two thousand dollars yesterday. I was like, wait,

938
00:41:33,040 --> 00:41:35,800
Speaker 1: hold on, let me let me reevaluate my little, measly

939
00:41:35,800 --> 00:41:38,200
Speaker 1: little few hundred dollars I put in here.

940
00:41:38,680 --> 00:41:42,520
Speaker 5: Financial services industry always does well in during recessions because

941
00:41:42,560 --> 00:41:45,759
Speaker 5: people understand that, you know, this is education is the

942
00:41:45,760 --> 00:41:47,399
Speaker 5: only thing that could really save them. At this point,

943
00:41:47,800 --> 00:41:49,880
Speaker 5: you know you can't get a job even trying to

944
00:41:49,880 --> 00:41:51,839
Speaker 5: get just no job interviews. You got to interview through

945
00:41:51,880 --> 00:41:55,360
Speaker 5: zoom and who's hiring during a global pandemic and you know,

946
00:41:55,440 --> 00:41:57,960
Speaker 5: waiting for a stimulus check to save you, Like that's

947
00:41:58,280 --> 00:42:03,600
Speaker 5: that's a joke. So learning these resources is essential. And

948
00:42:03,640 --> 00:42:05,640
Speaker 5: it was crazy because it's like you know, in March hit,

949
00:42:06,000 --> 00:42:08,400
Speaker 5: everybody had to stay home unless she was an essential worker,

950
00:42:08,480 --> 00:42:11,440
Speaker 5: Like you couldn't work. Everything got shut down unless she

951
00:42:11,480 --> 00:42:14,080
Speaker 5: was an essential worker. So I feel like for us,

952
00:42:14,560 --> 00:42:17,719
Speaker 5: you know, we got deemed essential workers, not by the government,

953
00:42:17,760 --> 00:42:20,399
Speaker 5: by the people because the people propelled us and they

954
00:42:20,560 --> 00:42:22,440
Speaker 5: let us know that we was essential because they just

955
00:42:22,920 --> 00:42:25,320
Speaker 5: flocked to us. A lot of other professions, like a

956
00:42:25,360 --> 00:42:27,439
Speaker 5: lot of rappers stopped doing shows they couldn't make any

957
00:42:27,480 --> 00:42:31,120
Speaker 5: money because they wasn't essential. What they were saying wasn't

958
00:42:31,200 --> 00:42:34,239
Speaker 5: essential and it wasn't really offering any real value that

959
00:42:34,239 --> 00:42:37,000
Speaker 5: could really change somebody's life. It was good entertainment, but

960
00:42:37,200 --> 00:42:39,480
Speaker 5: when you're down on your luck, sometimes you don't want

961
00:42:39,520 --> 00:42:41,600
Speaker 5: to be entertained. Sometimes you want to just figure out

962
00:42:41,600 --> 00:42:42,879
Speaker 5: how I can make some money so I could feed

963
00:42:42,920 --> 00:42:46,239
Speaker 5: my family. So this is why I think not just us,

964
00:42:46,239 --> 00:42:49,840
Speaker 5: but the whole financial literacy space just boomed, and it

965
00:42:49,920 --> 00:42:53,040
Speaker 5: helped that the stock market skyrocketed as well. So it

966
00:42:53,080 --> 00:42:55,720
Speaker 5: was a perfect storm as far as for people getting

967
00:42:55,719 --> 00:42:58,880
Speaker 5: interested in financial literacy. And what we see now is that,

968
00:42:59,000 --> 00:43:02,920
Speaker 5: especially in our culture, the appetite for investing in financial

969
00:43:02,920 --> 00:43:05,839
Speaker 5: literacy is that in all time, how I've never seen

970
00:43:05,880 --> 00:43:10,360
Speaker 5: this many people interested in stocks, crypto, real estate, business,

971
00:43:10,480 --> 00:43:13,040
Speaker 5: everything like that. So definitely, you know, when you look

972
00:43:13,040 --> 00:43:14,520
Speaker 5: at investing, the first thing you want to do is

973
00:43:14,680 --> 00:43:17,399
Speaker 5: educate yourself. You know, you never really any if you're

974
00:43:17,400 --> 00:43:19,520
Speaker 5: investing something that you're not educating on, that's more of

975
00:43:19,520 --> 00:43:21,759
Speaker 5: a gamble or a guest. You're just going off a

976
00:43:21,800 --> 00:43:24,640
Speaker 5: speculation on which somebody told you, like you know, it

977
00:43:24,640 --> 00:43:26,360
Speaker 5: could work out, it could not work out, you know

978
00:43:26,400 --> 00:43:28,239
Speaker 5: what I mean. But if you are educated and you

979
00:43:28,360 --> 00:43:31,680
Speaker 5: understand what you're actually doing, then it becomes a game

980
00:43:31,800 --> 00:43:35,280
Speaker 5: of actual knowledge and now you actually have a such strategy.

981
00:43:35,360 --> 00:43:37,800
Speaker 5: So yeah, I mean, you know, we are a big proponent.

982
00:43:37,840 --> 00:43:39,680
Speaker 5: So of its just long term investing. So if you

983
00:43:39,719 --> 00:43:42,480
Speaker 5: buy you know, a stock, stock is a lot less

984
00:43:42,560 --> 00:43:45,080
Speaker 5: volatile than cryptocurrency. But if you buy a stock like

985
00:43:45,320 --> 00:43:49,600
Speaker 5: Apple or Amazon, those companies are going to be here

986
00:43:50,000 --> 00:43:51,520
Speaker 5: nine times out of ten, they're gonna be here for

987
00:43:51,560 --> 00:43:54,080
Speaker 5: the next ten twenty years. So hold it by it

988
00:43:54,080 --> 00:43:55,839
Speaker 5: and hold it right and just keep buying it. Then

989
00:43:55,880 --> 00:43:57,880
Speaker 5: you can educate yourself. You can you know, get a

990
00:43:57,880 --> 00:43:59,680
Speaker 5: little bit more risky. You can do trade, you can

991
00:43:59,719 --> 00:44:02,840
Speaker 5: do options, you could do crypto. But for me personally,

992
00:44:03,000 --> 00:44:06,200
Speaker 5: the question about the cryptocurrency, I wouldn't start out with crypto.

993
00:44:06,200 --> 00:44:07,839
Speaker 2: I would start out with stocks first.

994
00:44:08,000 --> 00:44:11,280
Speaker 5: And you know, educate myself, become familiar with stock market,

995
00:44:11,760 --> 00:44:16,839
Speaker 5: and dan ben shit into crypto. I feel like if

996
00:44:16,880 --> 00:44:20,239
Speaker 5: I feel like if every cryptocurrency went away today, the

997
00:44:20,280 --> 00:44:23,520
Speaker 5: world wouldn't change, right, It's still a new technology. It

998
00:44:24,080 --> 00:44:26,319
Speaker 5: still has a lot of things like there's no real

999
00:44:26,400 --> 00:44:29,080
Speaker 5: utilization for it yet. And you know, bitcoin is strong,

1000
00:44:29,160 --> 00:44:31,560
Speaker 5: but the vast majority of cryptos probably won't be here.

1001
00:44:31,760 --> 00:44:32,920
Speaker 2: They're highly speculative.

1002
00:44:33,160 --> 00:44:35,920
Speaker 5: They're not really based on strong fundamentals as far as

1003
00:44:35,960 --> 00:44:39,160
Speaker 5: they're coin. The technology is firm, blockchain technology is here

1004
00:44:39,200 --> 00:44:42,440
Speaker 5: to stay, but we don't know about these cryptocurrencies. The

1005
00:44:42,480 --> 00:44:45,480
Speaker 5: platforms are still evolving. There's issues with different platforms. It's

1006
00:44:45,480 --> 00:44:48,120
Speaker 5: a lot of different stuff. Where stocks, it's like if

1007
00:44:48,160 --> 00:44:51,080
Speaker 5: the stock market went away, then the world would probably

1008
00:44:51,320 --> 00:44:56,120
Speaker 5: so correct because that's like all of these companies like Apple, Google, Microsoft,

1009
00:44:56,200 --> 00:44:58,440
Speaker 5: So these are real tangible companies. So you know, if

1010
00:44:58,480 --> 00:45:01,279
Speaker 5: Apple falls apart, it's ripples all across the world. So

1011
00:45:01,360 --> 00:45:03,760
Speaker 5: I would say that investing in the stock market first, because

1012
00:45:03,800 --> 00:45:05,239
Speaker 5: a has been around.

1013
00:45:04,920 --> 00:45:07,680
Speaker 2: A lot, a lot longer, it's a lot less riskier.

1014
00:45:08,160 --> 00:45:10,640
Speaker 5: It's way more tangible as far as you're actually investing

1015
00:45:10,680 --> 00:45:15,160
Speaker 5: in solid companies that you know have revenue, have employees,

1016
00:45:15,520 --> 00:45:17,840
Speaker 5: have operations, have systems in place, where a lot of

1017
00:45:17,840 --> 00:45:19,600
Speaker 5: cryptos don't have any of that in place. You don't

1018
00:45:19,600 --> 00:45:21,640
Speaker 5: even know who, Like people still don't know who found

1019
00:45:21,680 --> 00:45:24,920
Speaker 5: it a bigcoin. So I'm not knocking. I'm not knocking cryptocurrency,

1020
00:45:25,239 --> 00:45:27,000
Speaker 5: but I just don't think I think that that should

1021
00:45:27,000 --> 00:45:27,239
Speaker 5: be a.

1022
00:45:27,200 --> 00:45:28,960
Speaker 2: Part of your portfolio. If you're going to invest in,

1023
00:45:29,280 --> 00:45:29,800
Speaker 2: you shouldn't.

1024
00:45:29,840 --> 00:45:32,920
Speaker 5: Just if you never invested in anything in life, it

1025
00:45:33,000 --> 00:45:34,920
Speaker 5: probably is not the best idea to just put all

1026
00:45:34,920 --> 00:45:37,080
Speaker 5: your money in crypto. It's probably better I did to

1027
00:45:37,080 --> 00:45:39,560
Speaker 5: put some money in stocks and then put a portion,

1028
00:45:39,960 --> 00:45:43,040
Speaker 5: the one that you feel comfortable with into into cryptocurrency.

1029
00:45:43,360 --> 00:45:46,120
Speaker 6: Yeah, and once you start trading in the stock market,

1030
00:45:46,400 --> 00:45:49,920
Speaker 6: you're going to be using this the same uh procedures,

1031
00:45:50,000 --> 00:45:53,160
Speaker 6: the same fundamentals that you learned to trade stocks can

1032
00:45:53,200 --> 00:45:56,800
Speaker 6: be applied to cryptocurrency. So whether we're looking at charge

1033
00:45:56,920 --> 00:46:00,000
Speaker 6: or we're looking at the market caps, it's the same principles,

1034
00:46:00,120 --> 00:46:00,759
Speaker 6: just applying it.

1035
00:46:01,040 --> 00:46:03,760
Speaker 4: Like you said, it's a lot more violet. And that's true.

1036
00:46:03,800 --> 00:46:07,680
Speaker 6: Like if dodgecoin disappears tomorrow, it'll be an article and

1037
00:46:07,719 --> 00:46:10,120
Speaker 6: then about a month nobody will be talking about it. Well,

1038
00:46:10,160 --> 00:46:14,240
Speaker 6: that can't happen. Like if a Microsoft disappears, we're in trouble.

1039
00:46:14,400 --> 00:46:16,360
Speaker 6: Something catastrophic has happened.

1040
00:46:18,640 --> 00:46:26,480
Speaker 1: I'm like, right, invest in Amazon, Microsoft? Maybe stop first, Robinhood,

1041
00:46:26,680 --> 00:46:31,760
Speaker 1: delete coin based get while you're ahead, curse Ashley out.

1042
00:46:35,640 --> 00:46:37,600
Speaker 1: So you guys just have an episode about the hottest

1043
00:46:37,640 --> 00:46:40,200
Speaker 1: sectors to invest in? Where do you think? Like, you know,

1044
00:46:40,360 --> 00:46:44,040
Speaker 1: our people are mostly our demographic, mostly women. We do

1045
00:46:44,080 --> 00:46:46,120
Speaker 1: have some men that listen. I don't really think it matters,

1046
00:46:46,120 --> 00:46:48,880
Speaker 1: but like, where would you tell our tribe maybe that

1047
00:46:48,880 --> 00:46:50,800
Speaker 1: they should start investing in right now?

1048
00:46:51,840 --> 00:46:55,359
Speaker 6: I mean we always say tech because it encompasses everything. Right,

1049
00:46:55,440 --> 00:46:58,359
Speaker 6: If you look at any company, technology is the root

1050
00:46:58,400 --> 00:47:00,200
Speaker 6: of it. And like most people don't look at it

1051
00:47:00,040 --> 00:47:02,920
Speaker 6: that way, but like a company like Amazon, we think

1052
00:47:02,960 --> 00:47:03,520
Speaker 6: of it as tech.

1053
00:47:03,600 --> 00:47:05,239
Speaker 4: When we say Apple, we think of it as tech.

1054
00:47:05,280 --> 00:47:07,160
Speaker 6: Even like a Dominos, most people think like, oh, it's

1055
00:47:07,160 --> 00:47:08,040
Speaker 6: a great food company.

1056
00:47:08,040 --> 00:47:10,200
Speaker 4: Now they've grown so much money.

1057
00:47:09,920 --> 00:47:12,560
Speaker 6: Because of the technology that they implement it. Right, if

1058
00:47:12,640 --> 00:47:14,680
Speaker 6: you look at what they've done with how you deliver, right,

1059
00:47:14,680 --> 00:47:16,640
Speaker 6: they were the first ones really to say, like, I

1060
00:47:16,800 --> 00:47:18,839
Speaker 6: order it, I can watch the track it when it's

1061
00:47:18,880 --> 00:47:20,960
Speaker 6: being made, I can watch when it's coming, I can

1062
00:47:20,960 --> 00:47:23,680
Speaker 6: watch that it's at my house being delivered. Their technology

1063
00:47:23,680 --> 00:47:25,480
Speaker 6: has propelled them to a point where now like you

1064
00:47:25,520 --> 00:47:27,600
Speaker 6: can get an order standing in the middle of the park.

1065
00:47:28,440 --> 00:47:29,560
Speaker 4: That changes for them.

1066
00:47:30,680 --> 00:47:34,200
Speaker 6: Yeah, So technology is always, always is a good idea

1067
00:47:34,960 --> 00:47:37,879
Speaker 6: and I love and I think will attest to it too.

1068
00:47:37,960 --> 00:47:40,160
Speaker 4: Is semiconductors, which are like microchips.

1069
00:47:40,160 --> 00:47:41,879
Speaker 6: If you watch like the news today over the past

1070
00:47:41,960 --> 00:47:44,440
Speaker 6: couple of weeks, they're like, yo, it's a microchip shortage.

1071
00:47:44,560 --> 00:47:48,160
Speaker 6: That's because most of the things we use need those ships. Right,

1072
00:47:48,160 --> 00:47:50,279
Speaker 6: whether it's a computer, whether it's a car that we're buying,

1073
00:47:50,280 --> 00:47:53,799
Speaker 6: where it's the iPad, whether these mic everything has chips.

1074
00:47:53,840 --> 00:47:57,920
Speaker 1: And that's my conspiracy theory. I'm like, whether it's the

1075
00:47:57,960 --> 00:47:59,840
Speaker 1: needles they're putting into our body, with the tiny micro.

1076
00:47:59,800 --> 00:48:08,440
Speaker 5: Chip, Microsoft, everybody's head by Elon Musk every single day, Tesla, Google, Facebook, Like,

1077
00:48:08,520 --> 00:48:12,319
Speaker 5: you know, these are not really even complex situations, honestly. So,

1078
00:48:12,800 --> 00:48:15,800
Speaker 5: like he said, technology definitely, and in different sectors in technology,

1079
00:48:15,840 --> 00:48:19,239
Speaker 5: biotech with Corona, you know, that might be something that's

1080
00:48:19,280 --> 00:48:23,600
Speaker 5: really going to spike up biotech, he said. Chips. Those

1081
00:48:23,600 --> 00:48:27,960
Speaker 5: are you know, the chips inside of computers. Cyber technology,

1082
00:48:29,719 --> 00:48:34,160
Speaker 5: cybersecurity technology. Cybersecurity is gonna be big because of you know,

1083
00:48:34,239 --> 00:48:36,360
Speaker 5: computer hacking and things of that nature. So you gotta

1084
00:48:36,960 --> 00:48:38,680
Speaker 5: invest in cybersecurity companies.

1085
00:48:38,680 --> 00:48:42,200
Speaker 6: So cloud service too, cloud service, cloud services, right, that's that.

1086
00:48:42,280 --> 00:48:44,200
Speaker 6: I mean even now when we were talking before, how

1087
00:48:44,280 --> 00:48:47,680
Speaker 6: is this getting saved? Oh, it's gonna go into the cloud, right,

1088
00:48:47,760 --> 00:48:49,360
Speaker 6: Like there's no physical domain anymore.

1089
00:48:49,360 --> 00:48:50,880
Speaker 4: Everything is stored into a cloud.

1090
00:48:50,880 --> 00:48:53,680
Speaker 6: So having something that's in the cloud space where Microsoft

1091
00:48:53,760 --> 00:48:56,359
Speaker 6: is doing that, Salesforce is doing that. There's a bunch

1092
00:48:56,360 --> 00:48:59,480
Speaker 6: of companies doing it. Amazon obviously the number one in

1093
00:48:59,480 --> 00:49:01,520
Speaker 6: the game. Like most people think, like, how does Amazon

1094
00:49:01,600 --> 00:49:03,960
Speaker 6: make money? They think that they gross it because you're

1095
00:49:04,080 --> 00:49:06,040
Speaker 6: ordering deliver every day. No, they make most of their

1096
00:49:06,040 --> 00:49:09,080
Speaker 6: money from their clouds servers. AWS is probably part of

1097
00:49:09,120 --> 00:49:11,440
Speaker 6: the largest corporations in the world use it and so

1098
00:49:11,480 --> 00:49:13,760
Speaker 6: like that. They generate sixty five percent of the revenue

1099
00:49:13,800 --> 00:49:16,360
Speaker 6: from the KLOUD, So definitely clouds.

1100
00:49:16,680 --> 00:49:17,520
Speaker 4: I'm glad you said that.

1101
00:49:19,160 --> 00:49:20,360
Speaker 1: Do you have any more questions? You know what I

1102
00:49:20,360 --> 00:49:21,919
Speaker 1: wanted to do with you, guys. I wanted to play

1103
00:49:21,960 --> 00:49:24,680
Speaker 1: a game called Trigger that we plan on our show.

1104
00:49:24,719 --> 00:49:27,480
Speaker 1: We're like, just still a little detour off of finances,

1105
00:49:27,560 --> 00:49:29,520
Speaker 1: because you know that's what we do.

1106
00:49:31,360 --> 00:49:33,880
Speaker 3: I was with this, I'm like, yeah, money is so

1107
00:49:33,920 --> 00:49:37,360
Speaker 3: important anyway, finness.

1108
00:49:37,400 --> 00:49:38,839
Speaker 1: No, this is about to be money too. But we're

1109
00:49:38,840 --> 00:49:41,879
Speaker 1: gonna ask some questions too, you know. So we game

1110
00:49:41,920 --> 00:49:46,279
Speaker 1: on our show called Trigger, and it's basically, we say

1111
00:49:46,280 --> 00:49:48,600
Speaker 1: a word and y'all say the first thing that comes

1112
00:49:48,640 --> 00:49:51,319
Speaker 1: to mind. Don't overthink it, just stay it.

1113
00:49:51,800 --> 00:50:11,919
Speaker 7: New York Home, La Sunshine, love it broke, scary, scary, temporary, four, unfortunate.

1114
00:50:13,840 --> 00:50:15,920
Speaker 4: Forever.

1115
00:50:19,440 --> 00:50:21,520
Speaker 1: This is not Rick Ross has not approved this message.

1116
00:50:23,680 --> 00:50:26,720
Speaker 2: Rich forever.

1117
00:50:27,320 --> 00:50:28,200
Speaker 1: Yeah, that's what I thought.

1118
00:50:29,760 --> 00:50:35,359
Speaker 4: Rich. I'm I'm gonna switch it up Rich. Goal. I'll

1119
00:50:35,360 --> 00:50:38,400
Speaker 4: just say goal, fatherhood.

1120
00:50:39,520 --> 00:50:44,840
Speaker 1: Cool, u vitally important, generational wealth.

1121
00:50:45,239 --> 00:50:57,160
Speaker 4: Mandatory, the ultimate aspiration, monogamy necessary. It's the first.

1122
00:51:00,560 --> 00:51:04,319
Speaker 2: Cool cool, use that word, use that work good.

1123
00:51:07,680 --> 00:51:12,200
Speaker 1: Good good Okay boxers or briefs.

1124
00:51:12,640 --> 00:51:15,120
Speaker 2: Boxer briefs boxes.

1125
00:51:14,719 --> 00:51:18,600
Speaker 1: For me, most spontaneous thing you've done this year.

1126
00:51:20,239 --> 00:51:22,640
Speaker 2: In twenty twenty one, or like in the last in

1127
00:51:22,680 --> 00:51:23,120
Speaker 2: the last.

1128
00:51:23,000 --> 00:51:24,600
Speaker 1: Three hundred and sixty five days.

1129
00:51:26,000 --> 00:51:27,759
Speaker 6: When he got his car, he got his range over,

1130
00:51:27,920 --> 00:51:29,719
Speaker 6: I was like, yo, we we just got to do

1131
00:51:29,760 --> 00:51:32,200
Speaker 6: it something special and so like I literally woke up

1132
00:51:32,200 --> 00:51:34,160
Speaker 6: on a Wednesday and I'm like, Yo, I'm gonna go

1133
00:51:34,160 --> 00:51:36,840
Speaker 6: get a range over tomorrow. Like I literally woke up.

1134
00:51:36,880 --> 00:51:39,080
Speaker 6: My wife was like where you're going. I'm like, I'm

1135
00:51:39,120 --> 00:51:40,960
Speaker 6: going to deal shit real quick. I called her back, like, yo,

1136
00:51:41,000 --> 00:51:42,879
Speaker 6: come outside. She was like, what is this doing here?

1137
00:51:43,000 --> 00:51:43,399
Speaker 4: I'm like.

1138
00:51:45,800 --> 00:51:48,359
Speaker 1: A new car color? What the fun?

1139
00:51:48,960 --> 00:51:50,880
Speaker 4: Responsibly though responsibly.

1140
00:51:51,360 --> 00:51:53,680
Speaker 5: We gotta we gotta mansion in La for for the

1141
00:51:53,719 --> 00:51:54,520
Speaker 5: month of July.

1142
00:51:55,360 --> 00:51:56,759
Speaker 2: Just went out there for the month of July.

1143
00:51:56,960 --> 00:51:59,160
Speaker 1: Just you didn't hit me up and nothing.

1144
00:51:59,280 --> 00:52:03,879
Speaker 2: You just said. I didn't let you know.

1145
00:52:07,360 --> 00:52:10,920
Speaker 1: I'm signed you in the throat.

1146
00:52:13,360 --> 00:52:19,160
Speaker 4: Anyway on the check in that is fire.

1147
00:52:24,520 --> 00:52:25,760
Speaker 1: Bad habits.

1148
00:52:27,920 --> 00:52:30,600
Speaker 2: Bad habit is uh.

1149
00:52:30,680 --> 00:52:32,760
Speaker 6: I'm a candy guy. I eat a lot of candy.

1150
00:52:32,800 --> 00:52:37,680
Speaker 6: It's a terrible habit terrible. Yeah, it's bad, It's really bad.

1151
00:52:37,800 --> 00:52:40,040
Speaker 6: Skittles and kit cats if anybody wants to send them

1152
00:52:40,040 --> 00:52:41,640
Speaker 6: obile with I love kit cats.

1153
00:52:41,880 --> 00:52:44,080
Speaker 1: Have you have a green tea one? A green tea

1154
00:52:44,120 --> 00:52:45,640
Speaker 1: kit cat green tea ones?

1155
00:52:47,360 --> 00:52:49,160
Speaker 6: The you know when they do the Halloween one with

1156
00:52:49,200 --> 00:52:51,600
Speaker 6: the when the orange chocolate those are fire too, or

1157
00:52:51,600 --> 00:52:53,600
Speaker 6: the white chocolate kit cats is fire chocolate.

1158
00:52:53,680 --> 00:52:54,680
Speaker 1: That's that's the one.

1159
00:52:54,760 --> 00:52:56,560
Speaker 3: This is like, I feel like kit cats are some

1160
00:52:56,719 --> 00:52:59,840
Speaker 3: old ass candy, Like nobody eats kit cats anymore.

1161
00:53:00,000 --> 00:53:04,640
Speaker 1: Apparently they do. Me and Troy, you it's porn category.

1162
00:53:05,840 --> 00:53:08,920
Speaker 1: You said porn category, your favorite porn category, your go.

1163
00:53:08,960 --> 00:53:15,080
Speaker 5: To Oh, I would say that the three songs is

1164
00:53:15,120 --> 00:53:22,960
Speaker 5: always a classy.

1165
00:53:18,480 --> 00:53:27,919
Speaker 6: All classy any type saying classy my category, I always put,

1166
00:53:28,080 --> 00:53:29,480
Speaker 6: uh black.

1167
00:53:29,280 --> 00:53:32,680
Speaker 1: Booty black booty black, and some.

1168
00:53:32,760 --> 00:53:35,080
Speaker 4: Always grad's gonna come up a amazing.

1169
00:53:35,800 --> 00:53:37,880
Speaker 1: I'm just gonna just put this out here because honestly,

1170
00:53:37,920 --> 00:53:39,680
Speaker 1: this brand should just be paying me now, but I

1171
00:53:39,760 --> 00:53:41,160
Speaker 1: just feel like I have to share it with every

1172
00:53:41,160 --> 00:53:44,680
Speaker 1: guest that we asked this question with tasty blacks dot com. No,

1173
00:53:45,000 --> 00:53:46,080
Speaker 1: you know what, I took your.

1174
00:53:46,000 --> 00:53:48,919
Speaker 3: Advice and I went to tasty blacks, and I felt

1175
00:53:48,920 --> 00:53:50,839
Speaker 3: like it's a little bootleg, like's a lot of pop up.

1176
00:53:50,920 --> 00:53:53,840
Speaker 1: It is, but it's a lot of spam you get.

1177
00:53:54,320 --> 00:53:56,000
Speaker 1: I just it's all I could get, is all I

1178
00:53:56,040 --> 00:53:58,080
Speaker 1: could get where I could find all black porn. Okay,

1179
00:53:58,600 --> 00:54:02,240
Speaker 1: it's all black. It's all black. It's a terrible, horrible taste.

1180
00:54:02,360 --> 00:54:04,160
Speaker 6: And when you put black booty and that's what, it's

1181
00:54:04,160 --> 00:54:05,560
Speaker 6: going to be black, and it's gonna be booty.

1182
00:54:05,600 --> 00:54:08,520
Speaker 1: So you automatically only black booty is you won't see

1183
00:54:08,560 --> 00:54:10,600
Speaker 1: a white boody. Change your category now.

1184
00:54:10,960 --> 00:54:12,319
Speaker 4: Thank you.

1185
00:54:11,960 --> 00:54:13,640
Speaker 1: You don't even have to. You don't even have to

1186
00:54:13,680 --> 00:54:16,440
Speaker 1: type black, just booty. Yeah, so you're welcome.

1187
00:54:19,200 --> 00:54:20,760
Speaker 2: The main category is not bad either.

1188
00:54:21,239 --> 00:54:23,680
Speaker 4: That's classy. They don't put production in like that.

1189
00:54:23,680 --> 00:54:28,200
Speaker 6: No more class It's like put me up in like

1190
00:54:28,239 --> 00:54:28,719
Speaker 6: bang bros.

1191
00:54:28,760 --> 00:54:32,800
Speaker 4: They pick you up in a truck an event.

1192
00:54:32,840 --> 00:54:35,760
Speaker 3: You're like, yo, what.

1193
00:54:37,440 --> 00:54:38,839
Speaker 1: Why she got to get in the back of the van?

1194
00:54:41,480 --> 00:54:43,480
Speaker 4: The part the most ridiculous thing.

1195
00:54:45,360 --> 00:54:48,280
Speaker 1: Okay, not to sell for shot likes. Classy porn only

1196
00:54:49,400 --> 00:54:52,279
Speaker 1: specifically made he looks look he's a classic. I'm I said,

1197
00:54:52,280 --> 00:54:53,960
Speaker 1: I'm going to send you some options, to send you

1198
00:54:54,000 --> 00:55:00,000
Speaker 1: some inspiration so uh okay, happily ever after.

1199
00:55:00,680 --> 00:55:05,520
Speaker 2: Uh, happily ever after mm hmm movie.

1200
00:55:06,000 --> 00:55:09,840
Speaker 4: Mm hmmm uh. That was my wedding song. By case.

1201
00:55:11,360 --> 00:55:13,440
Speaker 1: Very romany black women.

1202
00:55:14,760 --> 00:55:15,880
Speaker 2: You said, what women?

1203
00:55:16,120 --> 00:55:16,760
Speaker 1: Black women?

1204
00:55:17,680 --> 00:55:23,640
Speaker 6: Beautiful there everything, absolutely loved and their necessity.

1205
00:55:23,800 --> 00:55:26,399
Speaker 4: They are the salt of the earth. Man. We can't

1206
00:55:26,400 --> 00:55:28,800
Speaker 4: live without them. I love my black women.

1207
00:55:31,600 --> 00:55:37,560
Speaker 1: Don't shut up today with the effects in the house.

1208
00:55:38,239 --> 00:55:41,000
Speaker 6: Love black women, Love black women, champion all black women

1209
00:55:41,040 --> 00:55:41,319
Speaker 6: for real.

1210
00:55:43,239 --> 00:55:47,560
Speaker 1: Women in finance, dope, essential essential.

1211
00:55:47,920 --> 00:55:51,520
Speaker 6: That's sexy right there, right. They know they know about money,

1212
00:55:52,200 --> 00:55:54,840
Speaker 6: they got the wit, they got. They don't have to hustle,

1213
00:55:54,840 --> 00:55:56,479
Speaker 6: they don't got to. You don't have to worry about

1214
00:55:56,520 --> 00:55:59,000
Speaker 6: where the money is going or what they're doing with it.

1215
00:55:59,120 --> 00:56:03,600
Speaker 1: Sexy okay, well, speaking of sexy, turn on turn on

1216
00:56:04,200 --> 00:56:09,840
Speaker 1: or turn on.

1217
00:56:07,200 --> 00:56:08,799
Speaker 2: One word or just in general.

1218
00:56:08,600 --> 00:56:11,279
Speaker 1: Like whatever, in general, one word? Whatever you got.

1219
00:56:11,400 --> 00:56:13,839
Speaker 2: First thing confidence.

1220
00:56:14,160 --> 00:56:16,719
Speaker 4: Boy shorts like the.

1221
00:56:18,360 --> 00:56:24,360
Speaker 5: Yeah yeah, I was crazy boy shorts like the underling.

1222
00:56:24,640 --> 00:56:26,680
Speaker 1: Like like you want you want them to commit.

1223
00:56:26,719 --> 00:56:29,680
Speaker 3: It's either like just you got that booty cleavage at

1224
00:56:29,719 --> 00:56:31,600
Speaker 3: the bottom, I sure do shall do?

1225
00:56:34,200 --> 00:56:36,040
Speaker 1: Do you like that? I just I just thought of

1226
00:56:36,080 --> 00:56:36,520
Speaker 1: it right now.

1227
00:56:40,280 --> 00:56:46,960
Speaker 3: Celebrity sorry celebrity crush, I definitely like.

1228
00:56:47,120 --> 00:56:50,319
Speaker 5: I like her music, which made me like her as

1229
00:56:50,320 --> 00:56:52,680
Speaker 5: a person. Snow a Legti definitely so.

1230
00:56:52,680 --> 00:56:53,359
Speaker 2: I like a lot.

1231
00:56:53,880 --> 00:56:54,719
Speaker 1: I love Snow too.

1232
00:56:55,760 --> 00:56:57,640
Speaker 4: I don't really have too many certain celebrity cu I

1233
00:56:57,680 --> 00:56:59,280
Speaker 4: mean I used to let it answer.

1234
00:57:00,600 --> 00:57:03,359
Speaker 6: I I loved joaying for low Pez at the time,

1235
00:57:04,400 --> 00:57:06,720
Speaker 6: Laurence Hill, I loved.

1236
00:57:08,080 --> 00:57:13,200
Speaker 1: Not too many people anymore, though, best advice you've ever gotten.

1237
00:57:15,719 --> 00:57:18,000
Speaker 2: The best advice I ever got.

1238
00:57:19,120 --> 00:57:23,200
Speaker 5: Patiently persevere, patiently persevered through everything. Like you know, just

1239
00:57:23,280 --> 00:57:27,160
Speaker 5: keep your calm, keep your cool, and you know, keep

1240
00:57:27,320 --> 00:57:30,320
Speaker 5: just stay even killed. That's something that's extremely important in business.

1241
00:57:30,320 --> 00:57:31,840
Speaker 5: Like you know, it's ups and downs in this game.

1242
00:57:32,200 --> 00:57:34,080
Speaker 5: One minute you up, one minute you down, and it's

1243
00:57:34,320 --> 00:57:36,840
Speaker 5: it's an it's an emotion, it's an emotional roller coaster

1244
00:57:36,880 --> 00:57:38,600
Speaker 5: if you don't have control of your emotions.

1245
00:57:39,040 --> 00:57:41,040
Speaker 2: So just try to stay.

1246
00:57:40,880 --> 00:57:45,240
Speaker 5: Evenly kill in life and definitely in business.

1247
00:57:46,640 --> 00:57:48,440
Speaker 2: If not, probably would have been going crazy.

1248
00:57:48,440 --> 00:57:50,520
Speaker 4: Why Now, that's advice.

1249
00:57:51,600 --> 00:57:53,520
Speaker 6: My dad, my mom used to preach this, man, nobody's

1250
00:57:53,520 --> 00:57:56,760
Speaker 6: more important than your family. So family always comes first,

1251
00:57:57,040 --> 00:57:59,200
Speaker 6: and we kind of live by that even where any leisure,

1252
00:57:59,280 --> 00:58:01,200
Speaker 6: like everybody that's what his family.

1253
00:58:02,520 --> 00:58:02,600
Speaker 1: Like.

1254
00:58:02,760 --> 00:58:06,080
Speaker 6: Obviously, me and Shy twenty five years of brotherhood, our

1255
00:58:06,120 --> 00:58:08,560
Speaker 6: best friend Mike, his brother's work with us, his sister

1256
00:58:08,600 --> 00:58:11,400
Speaker 6: works with us. So family first, and nobody's want pointing

1257
00:58:11,400 --> 00:58:11,600
Speaker 6: than that.

1258
00:58:13,200 --> 00:58:13,560
Speaker 2: Dope.

1259
00:58:13,840 --> 00:58:14,280
Speaker 3: Dope.

1260
00:58:14,720 --> 00:58:18,040
Speaker 6: Yeah, what y'all doing is extremely courageous. Like you said,

1261
00:58:18,040 --> 00:58:21,320
Speaker 6: you're just sharing like stories. But on the other end,

1262
00:58:21,360 --> 00:58:24,120
Speaker 6: somebody else has experienced the same exact thing and you

1263
00:58:24,200 --> 00:58:26,840
Speaker 6: have the platform to share it and give them comfort

1264
00:58:26,880 --> 00:58:29,560
Speaker 6: in knowing that they're not alonely, so like, kudos to y'all.

1265
00:58:29,600 --> 00:58:33,840
Speaker 1: Man, thank thank you, thank you, congratulations, thank you well,

1266
00:58:33,880 --> 00:58:36,040
Speaker 1: thank you guys for coming on. I'm so glad that

1267
00:58:36,160 --> 00:58:39,440
Speaker 1: you happened. So you want to keep going, we can

1268
00:58:39,520 --> 00:58:39,880
Speaker 1: keep going.

1269
00:58:41,120 --> 00:58:42,720
Speaker 4: Now. We've been on a lot of podcasts. It's one

1270
00:58:43,400 --> 00:58:44,560
Speaker 4: the most enjoyable.

1271
00:58:44,840 --> 00:58:46,680
Speaker 1: I already told you were Shan, I'm about to call

1272
00:58:46,720 --> 00:58:49,720
Speaker 1: you after this. I'm up for the Shan is my

1273
00:58:49,760 --> 00:58:53,640
Speaker 1: financial advisor and yeah, I'm single. Hello, Hi.

1274
00:58:54,000 --> 00:58:56,000
Speaker 3: I want to know how important like I feel like

1275
00:58:56,040 --> 00:58:57,680
Speaker 3: for me because I'm not I know, I'm not that

1276
00:58:57,800 --> 00:59:01,640
Speaker 3: financially responsible or educated yet, Like I want a man

1277
00:59:01,680 --> 00:59:04,200
Speaker 3: who's going to be very well versed in that in

1278
00:59:04,240 --> 00:59:06,160
Speaker 3: that space and I'm not ashamed to say it.

1279
00:59:06,680 --> 00:59:09,080
Speaker 1: Teach me, but like, I feel like.

1280
00:59:09,120 --> 00:59:11,400
Speaker 3: For a man who's very much in your space, and

1281
00:59:11,440 --> 00:59:14,040
Speaker 3: you're very much in your finances, and I'm sure you're planning,

1282
00:59:14,080 --> 00:59:16,000
Speaker 3: and you have a four to one k and you

1283
00:59:16,040 --> 00:59:19,320
Speaker 3: got all your shit together over there financially, how important

1284
00:59:19,360 --> 00:59:21,720
Speaker 3: is it for you to date someone equally yoked in

1285
00:59:22,120 --> 00:59:23,160
Speaker 3: financial literacy.

1286
00:59:23,920 --> 00:59:25,880
Speaker 5: No, that's not important. I don't really if you want

1287
00:59:25,920 --> 00:59:27,120
Speaker 5: it like that, I'm not on it like that.

1288
00:59:27,200 --> 00:59:30,840
Speaker 1: I'm lying. You know what Grandon is over here looking

1289
00:59:30,880 --> 00:59:35,240
Speaker 1: at you like that is not what you saying. You know,

1290
00:59:35,320 --> 00:59:38,120
Speaker 1: she's a manager at the mall. I'm not marrying her.

1291
00:59:38,000 --> 00:59:41,720
Speaker 3: Like like in a serious relationship.

1292
00:59:41,880 --> 00:59:44,760
Speaker 5: How important I'm being serious? Don't being the serious like

1293
00:59:44,800 --> 00:59:46,480
Speaker 5: I'm not. I'm not on it like that at all

1294
00:59:46,680 --> 00:59:49,320
Speaker 5: at all. I don't really I look at it like

1295
00:59:49,520 --> 00:59:53,120
Speaker 5: you know, saying God, I always. I mean, I don't

1296
00:59:53,160 --> 00:59:55,800
Speaker 5: really look at like, oh, she got to have this,

1297
00:59:55,920 --> 00:59:57,480
Speaker 5: she gotta make this amount of money, da da D.

1298
00:59:57,880 --> 01:00:01,000
Speaker 5: Like that's really not even on my radar. Honestly, it's

1299
01:00:01,040 --> 01:00:02,560
Speaker 5: not even a criteria for me at all.

1300
01:00:03,280 --> 01:00:05,800
Speaker 1: You gotta have gold. That's because he got it all together.

1301
01:00:05,840 --> 01:00:07,360
Speaker 3: He don't got the big y'all got to know ship

1302
01:00:07,400 --> 01:00:10,439
Speaker 3: he got it money, I'll figure it out.

1303
01:00:10,640 --> 01:00:14,120
Speaker 1: Well, I got goals, I got things just the same.

1304
01:00:14,640 --> 01:00:16,000
Speaker 2: I'm saying, like you can have goals.

1305
01:00:16,080 --> 01:00:17,840
Speaker 5: I'm just saying like it's not like a prerequisite, Like

1306
01:00:17,880 --> 01:00:19,360
Speaker 5: I'm not like one of those people where it's like

1307
01:00:19,760 --> 01:00:21,080
Speaker 5: if you don't got an eight hundred credit.

1308
01:00:20,920 --> 01:00:25,360
Speaker 3: Score right right right right right, no checklist, no, no, no, Like, listen,

1309
01:00:25,480 --> 01:00:27,240
Speaker 3: I'm going to ask you a question, answer a B.

1310
01:00:27,360 --> 01:00:29,280
Speaker 1: Or can I just tell you? Let me just tell

1311
01:00:29,320 --> 01:00:30,880
Speaker 1: you now, right now, this very moment. Do you know

1312
01:00:30,880 --> 01:00:32,160
Speaker 1: how many women are about to be in his d

1313
01:00:32,240 --> 01:00:34,160
Speaker 1: MS from listening to this. They're about to be like,

1314
01:00:34,360 --> 01:00:40,920
Speaker 1: so I don't have good credit, you have these naked news.

1315
01:00:41,280 --> 01:00:43,240
Speaker 5: I'd rather it's more important for me to have fun

1316
01:00:43,280 --> 01:00:44,560
Speaker 5: like with somebody, like you know what I'm saying, like

1317
01:00:44,600 --> 01:00:47,160
Speaker 5: vibe with somebody, have fun like like you said. I mean,

1318
01:00:47,240 --> 01:00:48,760
Speaker 5: that's partially what you said was true. Like you know,

1319
01:00:48,800 --> 01:00:53,840
Speaker 5: I look at like if I'm financially stable, you know, yeah,

1320
01:00:53,880 --> 01:00:56,080
Speaker 5: I don't really you know, I'm not like relying on

1321
01:00:56,120 --> 01:00:59,640
Speaker 5: somebody else. So yeah, it's like you know what I'm saying,

1322
01:00:59,680 --> 01:01:02,920
Speaker 5: We can be good. Just we just have fun, so

1323
01:01:02,960 --> 01:01:03,960
Speaker 5: you don't have so you.

1324
01:01:03,920 --> 01:01:05,840
Speaker 1: Don't subscribe because I know because now like we're in

1325
01:01:05,880 --> 01:01:08,440
Speaker 1: a space now where obviously, you know, women are feeling

1326
01:01:08,440 --> 01:01:10,720
Speaker 1: more empowered, and because of that, I find that a

1327
01:01:10,720 --> 01:01:12,880
Speaker 1: lot of men and women are, you know, working more

1328
01:01:13,760 --> 01:01:16,440
Speaker 1: and bread are the breadwinners a lot a lot in

1329
01:01:16,560 --> 01:01:18,800
Speaker 1: their homes more often. And I think a lot of

1330
01:01:18,880 --> 01:01:21,600
Speaker 1: men because of that. I don't know, maybe you don't

1331
01:01:21,600 --> 01:01:23,880
Speaker 1: subscribe to this. It seems as though you don't, but

1332
01:01:24,840 --> 01:01:27,480
Speaker 1: are like, well then you pay half. Well, then you

1333
01:01:27,560 --> 01:01:30,080
Speaker 1: pay for that, like if you're if you're a feminist,

1334
01:01:30,120 --> 01:01:31,920
Speaker 1: then be the the be that feminist.

1335
01:01:31,960 --> 01:01:34,640
Speaker 2: No, I mean, you know, everybody's different for different folks.

1336
01:01:34,680 --> 01:01:35,680
Speaker 2: I can't knock anybody.

1337
01:01:35,720 --> 01:01:38,040
Speaker 1: But so you're more traditional in the sense of like

1338
01:01:38,160 --> 01:01:39,920
Speaker 1: you're okay being the man that takes care of the

1339
01:01:39,960 --> 01:01:42,120
Speaker 1: ship as long as the woman is I don't know,

1340
01:01:42,720 --> 01:01:43,360
Speaker 1: taking care of you.

1341
01:01:45,960 --> 01:01:47,840
Speaker 5: Any woman that I'm around, like, they don't got they

1342
01:01:47,960 --> 01:01:49,520
Speaker 5: not doing none of that. They're not paying for bills

1343
01:01:49,560 --> 01:01:51,120
Speaker 5: and they're like like they're not going like we're not

1344
01:01:51,120 --> 01:01:51,840
Speaker 5: going to split dinner.

1345
01:01:52,680 --> 01:01:53,840
Speaker 4: We're from a different generation.

1346
01:01:54,800 --> 01:01:59,400
Speaker 1: Thank God Jesus. It's taken note.

1347
01:02:00,960 --> 01:02:03,080
Speaker 4: The financially lit that's the problem.

1348
01:02:04,400 --> 01:02:06,000
Speaker 2: I can't knock it whatever. You know what I'm saying.

1349
01:02:06,040 --> 01:02:09,000
Speaker 5: Whatever makes everybody happy, it's just not it's not my

1350
01:02:09,120 --> 01:02:09,840
Speaker 5: it's not my thing.

1351
01:02:10,160 --> 01:02:12,600
Speaker 6: Now you're telling the truth, y'all. I'm being honest. He's

1352
01:02:12,600 --> 01:02:14,680
Speaker 6: not just captain. He really telling the truth. I've been around.

1353
01:02:14,720 --> 01:02:18,200
Speaker 6: I'm his wingman most of the time. If he needs me, so.

1354
01:02:20,600 --> 01:02:23,200
Speaker 4: I'm vouching for him. That's a fact. I'm vouching for it.

1355
01:02:25,040 --> 01:02:26,280
Speaker 2: Now for sure. I appreciate that.

1356
01:02:26,320 --> 01:02:28,800
Speaker 5: So first and foremost, thank you for having us greatly appreciated.

1357
01:02:29,560 --> 01:02:33,240
Speaker 5: And yeah, you know, it starts with education. Starts with education.

1358
01:02:33,320 --> 01:02:35,600
Speaker 5: So I will say, you know, there's plenty of podcasts

1359
01:02:35,600 --> 01:02:37,280
Speaker 5: if you want to check our platform out. You know,

1360
01:02:37,280 --> 01:02:41,040
Speaker 5: I think it's a great resource, you know, books, Instagram,

1361
01:02:41,120 --> 01:02:43,800
Speaker 5: things of that nature. And just take a little A

1362
01:02:43,800 --> 01:02:45,960
Speaker 5: lot of times it could be like overwhelming, but just

1363
01:02:45,960 --> 01:02:47,320
Speaker 5: take like a half an hour a day and just

1364
01:02:47,320 --> 01:02:49,360
Speaker 5: trying to educate yourself on something. Just pick a topic

1365
01:02:49,400 --> 01:02:51,600
Speaker 5: like this month, I'm just gonna learn about stocks. I'm

1366
01:02:51,600 --> 01:02:53,000
Speaker 5: not even gona focus on nothing else. I'm just gonna

1367
01:02:53,040 --> 01:02:55,400
Speaker 5: learn about stocks from the beginning level. To you know,

1368
01:02:55,400 --> 01:02:57,000
Speaker 5: whatever it takes me at the end of the month,

1369
01:02:57,040 --> 01:02:58,600
Speaker 5: and then you don't focus on real estate. Thinks that

1370
01:02:58,680 --> 01:03:01,240
Speaker 5: nature of what never feel like you can't do something.

1371
01:03:02,080 --> 01:03:04,640
Speaker 5: It all starts with a baby step. So I would

1372
01:03:04,640 --> 01:03:08,800
Speaker 5: say everything just starts with education. Properly educates yourself. Of course, learn,

1373
01:03:08,960 --> 01:03:12,760
Speaker 5: learn to save, learn that you know, budget is extremely important.

1374
01:03:12,880 --> 01:03:15,200
Speaker 2: Don't live beyond your means. You know things that we

1375
01:03:15,240 --> 01:03:16,400
Speaker 2: all know, but you know, we.

1376
01:03:16,480 --> 01:03:19,920
Speaker 5: Just a lot of times never really follow. But investing

1377
01:03:20,000 --> 01:03:23,920
Speaker 5: is extremely, extremely important, and the hardest part is to start.

1378
01:03:24,120 --> 01:03:26,680
Speaker 5: So once you start, and it actually becomes very addicting,

1379
01:03:26,800 --> 01:03:29,040
Speaker 5: like you know, once you see some success and then

1380
01:03:29,080 --> 01:03:31,120
Speaker 5: it's like, oh this is like it's like anything else.

1381
01:03:31,160 --> 01:03:34,400
Speaker 5: Like once you realize it's not like that hard, then

1382
01:03:34,800 --> 01:03:36,400
Speaker 5: you just want to just put more money in it,

1383
01:03:36,480 --> 01:03:39,040
Speaker 5: because nothing's better than just making money from not.

1384
01:03:39,000 --> 01:03:39,880
Speaker 2: Doing nothing at all.

1385
01:03:40,480 --> 01:03:43,560
Speaker 5: So learn to making money work for you, and that

1386
01:03:43,680 --> 01:03:46,200
Speaker 5: all starts for education. So that would be my advice.

1387
01:03:46,200 --> 01:03:47,680
Speaker 5: That would be my tibot. And like I said, way

1388
01:03:47,680 --> 01:03:50,960
Speaker 5: to get information. I think our platform is a great

1389
01:03:51,000 --> 01:03:54,040
Speaker 5: resource earn your leisure. It's a YouTube channel. We put

1390
01:03:54,040 --> 01:03:56,680
Speaker 5: out videos every day. We have a stock show called

1391
01:03:56,720 --> 01:03:58,880
Speaker 5: Market Monday. Shout out to Ians our partner on that.

1392
01:03:59,280 --> 01:04:01,400
Speaker 5: And we have our podcast called Earn Your Lesia and

1393
01:04:01,440 --> 01:04:04,160
Speaker 5: that comes out once a week and touches on every

1394
01:04:04,200 --> 01:04:06,000
Speaker 5: single topic that you can think of when it comes

1395
01:04:06,000 --> 01:04:09,800
Speaker 5: to business and financing. The other pages, CNBC is a

1396
01:04:09,840 --> 01:04:13,160
Speaker 5: great resource to learn about investing in business and stocks,

1397
01:04:15,160 --> 01:04:17,000
Speaker 5: you know all other stuff just you know, YouTube, Google,

1398
01:04:17,000 --> 01:04:20,440
Speaker 5: things of that nature. So investing yourself, investing your education,

1399
01:04:20,960 --> 01:04:21,960
Speaker 5: take the time to learn.

1400
01:04:22,880 --> 01:04:24,240
Speaker 2: I think it's extremely important.

1401
01:04:24,520 --> 01:04:29,160
Speaker 6: Yeah, yeah, I mean that's a lot. I would just

1402
01:04:29,200 --> 01:04:32,240
Speaker 6: add to it. Man that I heard it was like

1403
01:04:32,240 --> 01:04:34,240
Speaker 6: a wise quote that I heard. It was like, Yo,

1404
01:04:34,360 --> 01:04:35,960
Speaker 6: the way you do one thing the way you do everything,

1405
01:04:36,600 --> 01:04:39,240
Speaker 6: and so you need to approach everything like that, right,

1406
01:04:39,280 --> 01:04:41,880
Speaker 6: So like whether it's you're gonna self educate yourself, attack

1407
01:04:41,960 --> 01:04:44,960
Speaker 6: it right when you're gonna have an interview, attack it,

1408
01:04:45,120 --> 01:04:49,280
Speaker 6: have that same approach, and you'll see the rewards of that,

1409
01:04:50,040 --> 01:04:52,560
Speaker 6: because again, nothing happens before it's time.

1410
01:04:52,640 --> 01:04:53,120
Speaker 4: But if you.

1411
01:04:53,080 --> 01:04:57,480
Speaker 6: Attack everything with that approach, the rewards would be plentiful

1412
01:04:57,560 --> 01:04:59,880
Speaker 6: because you know that you've given your best effort, You've

1413
01:05:00,120 --> 01:05:02,600
Speaker 6: known that you've given due diligence to whatever you're trying

1414
01:05:02,600 --> 01:05:04,960
Speaker 6: to learn or whatever you're trying to accomplish, and so

1415
01:05:05,280 --> 01:05:07,720
Speaker 6: it's just a matter of time before it pays off you.

1416
01:05:09,320 --> 01:05:10,040
Speaker 1: Dope. Thank you.

1417
01:05:10,120 --> 01:05:12,000
Speaker 3: I want to just tell you, guys, honestly and truly,

1418
01:05:12,040 --> 01:05:14,280
Speaker 3: I know you don't know me or you don't know

1419
01:05:14,320 --> 01:05:15,680
Speaker 3: me that well I'm your friend now.

1420
01:05:16,640 --> 01:05:17,880
Speaker 1: But I'm so proud of you.

1421
01:05:18,000 --> 01:05:20,280
Speaker 3: I'm really so proud of you black men for like

1422
01:05:20,600 --> 01:05:23,600
Speaker 3: taking the you know, doing this, taking the initiative to like.

1423
01:05:23,680 --> 01:05:26,360
Speaker 1: Lead our community and lead us all.

1424
01:05:26,400 --> 01:05:29,040
Speaker 3: And I'm really proud of your success and the fact

1425
01:05:29,080 --> 01:05:30,760
Speaker 3: we have your face on an eighteen wheeler.

1426
01:05:30,840 --> 01:05:33,440
Speaker 1: I just I'm so proud of you. I think you're so.

1427
01:05:33,480 --> 01:05:36,600
Speaker 3: Amazing and I just want to commend you publicly here

1428
01:05:36,640 --> 01:05:39,480
Speaker 3: in this space that like that's the bomb dot com

1429
01:05:39,480 --> 01:05:40,840
Speaker 3: and you're doing amazing things.

1430
01:05:41,440 --> 01:05:46,040
Speaker 5: Nah, thank you once again, extremely humble. You know, anytime

1431
01:05:46,040 --> 01:05:48,240
Speaker 5: we get any words of encouragement, we don't take it likely,

1432
01:05:49,440 --> 01:05:53,240
Speaker 5: So thank you for acknowledgment, and once again, congratulations to

1433
01:05:53,320 --> 01:05:53,840
Speaker 5: you guys.

1434
01:05:54,120 --> 01:05:56,840
Speaker 3: Be sure to tune in all March long because we're

1435
01:05:56,840 --> 01:05:59,760
Speaker 3: going to have all type of financial literacy.

1436
01:06:00,080 --> 01:06:01,640
Speaker 1: Yes we have, but the budget NESTA at the end

1437
01:06:01,640 --> 01:06:03,920
Speaker 1: of the month, which I'm really excited to chat with her.

1438
01:06:04,560 --> 01:06:07,960
Speaker 1: We'll catch you guys next week. Make sure you remember

1439
01:06:07,960 --> 01:06:10,600
Speaker 1: that affirmation we said at the top of the episode,

1440
01:06:11,080 --> 01:06:14,680
Speaker 1: because we ain't having no more anxiety about finances this month.

1441
01:06:14,680 --> 01:06:17,720
Speaker 3: Okay, y'all check us out on Patreon at patreon dot

1442
01:06:17,760 --> 01:06:22,800
Speaker 3: com backslash good Mom's Bad Choices for extra special secret drops, and.

1443
01:06:22,760 --> 01:06:25,080
Speaker 1: You can watch this episode on Patreon, so you can

1444
01:06:25,120 --> 01:06:28,240
Speaker 1: see these two handsome black men talking finances on our

1445
01:06:28,280 --> 01:06:30,720
Speaker 1: Patreon and we'll catch you guys next week.

1446
01:06:31,560 --> 01:06:31,880
Speaker 4: Bye I.

1447
01:06:38,520 --> 01:06:41,720
Speaker 3: Hey guys, have you joined Patreon, where we offer even

1448
01:06:42,000 --> 01:06:43,640
Speaker 3: more juicy content.

1449
01:06:44,040 --> 01:06:49,040
Speaker 1: Yes, y'all, we have secret episodes, secret segments, and some

1450
01:06:49,240 --> 01:06:52,840
Speaker 1: very personal blog posts that we don't share on the interwebs.

1451
01:06:53,080 --> 01:06:55,240
Speaker 1: So make sure you go check out our patreon. That's

1452
01:06:55,280 --> 01:06:59,400
Speaker 1: patreon dot com backslash Good Mom's Bad Choices. Here's a

1453
01:06:59,400 --> 01:07:01,160
Speaker 1: little sneak peek.

1454
01:07:02,440 --> 01:07:06,280
Speaker 8: And then lastly, I want Mila to take a vibrator

1455
01:07:07,360 --> 01:07:09,440
Speaker 8: and in my instance, you guys know what, my class,

1456
01:07:09,480 --> 01:07:11,960
Speaker 8: I'm gonna suggest you to use a clitoral stimulator because

1457
01:07:12,000 --> 01:07:14,920
Speaker 8: clteral stimulators have a hole for you to put it

1458
01:07:14,960 --> 01:07:17,920
Speaker 8: on top of your clip and it's gonna massage the

1459
01:07:18,040 --> 01:07:20,280
Speaker 8: nut out of that clip. Yes, it's gonna massage it out.

1460
01:07:20,320 --> 01:07:23,200
Speaker 8: It's really going to milk. It's gonna milk your pussy,

1461
01:07:23,280 --> 01:07:26,200
Speaker 8: like literally milk your clip. So I love clteral stimulators

1462
01:07:26,240 --> 01:07:27,320
Speaker 8: for this reason.