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Speaker 2: Hello ladies and gentlemen, and thank you for joining us

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Speaker 2: for a number episode of Nightcap.

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Speaker 2: I'm your favorite UNC Shannon Sharp, The Liberty City Legend,

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Speaker 2: very something else special check me out. Check this out, guys,

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Speaker 2: where we announced what's gonna happen. The show is gonna

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Speaker 2: sell out in a matter of minutes, So I you

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Speaker 2: please listen to me now.

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Speaker 1: Y'all know I beat shoot y'all, shoot you straight. I

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Speaker 1: don't bullj ove you.

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Speaker 2: We got a very very very special feature that's gonna

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Speaker 2: happen during the live show. You don't want to miss it.

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Speaker 2: If you're in New Orleans, grab your chickets now. You

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Speaker 2: will not be disappointed. Both Night Cap and Club Shahey

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Speaker 2: are both nominated for NAACP Image Award. Nightcap is nominated

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Speaker 2: for the Outstanding Podcast Art, Sports and Entertainment. Club Shahe

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Speaker 2: was nominated Outstanding Podcast Society and Culture. Please go vote

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Speaker 2: for your favorite guys, Uncan Ojo. The link is paying

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Speaker 2: at the top of our social bios. We have a

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Speaker 2: very special guest joining us tonight in a bit, the

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Speaker 2: legendary John O'Bryant. But first, o Joe, we got these

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Speaker 2: games this weekend. Let's talk about the two time defending champs,

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Speaker 2: the Chiefs. The Houston Texans. Might thank Patrick Mahomes and

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Speaker 2: the Chiefs receive favorable calls from game officials, but Mahomes

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Speaker 2: doesn't agree.

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Speaker 1: I don't feel that way, Mahomes said.

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Speaker 2: At the end of the day, the referees are doing

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Speaker 2: the best they can best to call the game as

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Speaker 2: fair and as proper as they possibly can, and all

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Speaker 2: they can do is go out there and play. And

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Speaker 2: all we can do is go out there and play

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Speaker 2: the game that you love as hard as you can

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Speaker 2: and live with the results. I think we preach that

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Speaker 2: here in Kansas City. You get new referees every year,

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Speaker 2: you get new circumstances. You can never really tell because

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Speaker 2: every play is different, and that's what makes the NFL

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Speaker 2: so special. I feel like I've just continued to play

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Speaker 2: the game and I just try to win. Whatever happens happens,

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Speaker 2: kind of happens, Oh Joe. Check this out. Roughing calls

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Speaker 2: per hundred past attempts. Patrick Mahomes receives the fewest sixty

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Speaker 2: three percent of the time, Russell Wilson seventy one percent

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Speaker 2: of the time, Baker Mayfield seventy three percent of the time,

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Speaker 2: Cousins seventy four percent of the time, Deshaun Watson seventy eight,

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Speaker 2: Jery Goff seventy eight, and Josh Allen almost ninety four percent.

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Speaker 1: You know what's funny?

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Speaker 4: And now managed and broke it down like that early

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Speaker 4: today on inside of the NFL, we broke down the numbers.

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Speaker 4: We talked about the same thing about people feeling that

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Speaker 4: Patrick Mahomes and the chiefs in general got all these

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Speaker 4: all these calls, and come to find out, it was

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Speaker 4: nothing like that. When you looked at numbers in this totality,

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Speaker 4: and they're the least penalized team, you know, as far

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Speaker 4: as Mahomes is concerned, as far but what I did

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Speaker 4: find out is they're the most penalized offense the office

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Speaker 4: of line the holding calls.

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Speaker 5: Yes, they never hear at the time of the top

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Speaker 5: of the league.

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Speaker 2: In that Jawan Watson the right the right tackle has

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Speaker 2: been penalized.

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Speaker 1: They have had.

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Speaker 2: Fourteen accepted penalties on him, on him by yourself of

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Speaker 2: him alone. See what happens though, oo facts going to

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Speaker 2: an argument because see if you point this out, then

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Speaker 2: they didn't Okay, then they go to something else. Well

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Speaker 2: what about what about this call? You're saying they're receiving

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Speaker 2: preferential treatment. Well, when we show you the numbers don't

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Speaker 2: bear that out, then you have to find something else

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Speaker 2: to argue about.

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Speaker 1: Exactly so.

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Speaker 4: And another thing, another thing I will say this too.

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Speaker 4: The Chiefs are continuously always on TV.

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Speaker 1: That's one.

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Speaker 5: They're always playoffs, They're always in the AFC Championship.

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Speaker 4: And what I have come to find out is is

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Speaker 4: the calls that they do get that go in their favor,

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Speaker 4: It's not that many, but the ones that they do get,

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Speaker 4: they happen at the opportune times where it's advantageous for them.

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Speaker 4: Right important moment, yes, always an important moment. So people

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Speaker 4: take that they run with them and say, oh they get

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Speaker 4: all the calls. But that's that's truly not the case.

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Speaker 4: And I thought, honestly, and I might be, I might

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Speaker 4: be one of them. I'm just from the outside looking in,

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Speaker 4: I would say, you know what, God damn, the Chiefs

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Speaker 4: get all the goddamn calls. But when I when they

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Speaker 4: broke it down today and we're able to look at

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Speaker 4: the numbers and skim through them, I'm like.

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Speaker 1: Well, damn, not even close.

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Speaker 4: It's not even close, not even close to what everybody

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Speaker 4: is saying. But I think it's because they're always on TV,

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Speaker 4: and the few calls that they do get, it always happened.

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Speaker 5: It always happens in a very important time to the game.

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Speaker 2: Patrick Mahomes has been sacked or knocked down one hundred

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Speaker 2: and six times this season. He's been the beneficiary of

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Speaker 2: six roughing the passer calls and two unsportsmanlike conduct calls.

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Speaker 2: He gets calls seven percent of the time he gets contacted. Now,

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Speaker 2: when you reference that with others, it's not even close. Yeah,

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Speaker 2: it's not even close. But see, facts are ruining an argument,

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Speaker 2: O Joe. If I want to argue with you, I

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Speaker 2: want to argue with you, don't give me facts, because

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Speaker 2: now you're gonna ruin the argument. I won't have anything

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Speaker 2: to argue about. It's kind of like in a relationship

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Speaker 2: on Joe. You give the person the facts. No, no,

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Speaker 2: but still now they find something else to argue about. No,

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Speaker 2: let's continue to talk about this, because this what was

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Speaker 2: in your crawl, This what was rough with your dad Drup,

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Speaker 2: This what got you a in a ball? Right now,

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Speaker 2: I give you the facts. Oh it's something else.

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Speaker 4: Another thing I will say now when it comes to Mahomes,

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Speaker 4: the NFL has implemented rules to protect the quarterback. Yes,

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Speaker 4: all quarterbacks, that all quarterbacks are protected. Now what I

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Speaker 4: do find Patrick Mahome doing and Chad y'all can agree

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Speaker 4: with me to this and you can attest to this

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Speaker 4: because we Baul Wassam. He is taking advantage of the rules.

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Speaker 4: He's sliding late. He's sliding late. He's flopping a little

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Speaker 4: bit with.

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Speaker 1: Some of the hits.

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Speaker 4: Now, the hit on Will Anderson, I can see the

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Speaker 4: ref seeing it. He hit him around the chest plate area.

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Speaker 4: Him flopping and throwing himself back a little bit. When

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Speaker 4: it's time to go out of bounds. You've seen it

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Speaker 4: to this year instead of sting out of bounds. He's

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Speaker 4: taking it up fields, sometimes even slowing down before stepping out,

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Speaker 4: just so he can create the contact to try and

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Speaker 4: enjoy a five.

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Speaker 2: Now I've seen that a few times. But if he

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Speaker 2: slow down and his ass and bounds blasted.

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Speaker 4: But yeah, but listen, you can and he's done that.

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Speaker 4: I forgot what week it was he did it, And

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Speaker 4: he did it just this previous week too. He slowed

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Speaker 4: down instead of just going out got it going out of.

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Speaker 2: The bath that was Texas, you remember Kayleb Williams did that. Yeah,

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Speaker 2: and Dan Camel says, look at Ref's this is what

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Speaker 2: he does. He pretends like he's gonna go and buy

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Speaker 2: out of bounds. He slows up and sometimes he cuts back.

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Speaker 2: Now he's in bounds, we're gonna blast his ass if

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Speaker 2: he does that. And Lloyd behold right on c Thanksgiving

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Speaker 2: he did that, and Jack Campbell, I think with the linebacker,

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Speaker 2: he blasted it. That's what should happen. Blasted. If he's inbound.

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Speaker 2: I don't care what he is. If he's in bounds

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Speaker 2: and he's standing up right knocking, knock your shoes.

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Speaker 1: Off, Christen.

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Speaker 4: The Chiefs right now are in the same position that

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Speaker 4: the Patriots were in for a very long Absolutely, people

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Speaker 4: people tired of seeing them when they're always a contention,

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Speaker 4: super Bowl two, back to back Super bowls, a chance

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Speaker 4: to three pet and I think people are just tired

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Speaker 4: of it and finding things to argue and fuss about

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Speaker 4: when they have Once you look at the facts and.

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Speaker 1: Skim through it.

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Speaker 4: As far as the punity is concerned, it's nowhere near

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Speaker 4: what everybody chirping out the beat.

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Speaker 2: But the thing is on show when you look at

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Speaker 2: some of the passing affairs calls. I mean, and that's

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Speaker 2: what got it. Dames buried the fourth He literally said

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Speaker 2: out of his own mouth, I held juju. People argue

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Speaker 2: with a man that was on the field and actually

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Speaker 2: said he held it.

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Speaker 1: But you can't make it. Why o't yo?

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Speaker 2: The objective is when they put the rules in place,

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Speaker 2: they didn't say time, Well, you can't make this in

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Speaker 2: the fourth quarter with two minutes to go. You can't

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Speaker 2: make this call late in the ball game. You can't

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Speaker 2: make this call early. They said, a penalty, no matter

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Speaker 2: time or place on the field, if you do it,

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Speaker 2: it is a penalty. David brad Barry says, I held

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Speaker 2: a guy. I feel him getting away. I was hoping,

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Speaker 2: he said, I was hoping they didn't see it. That's

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Speaker 2: what he said. Everybody arguing this man, well, he just

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Speaker 2: do it. No, I promise you. Guys don't just do

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Speaker 2: the right thing in situations like that. Guys don't say nah.

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Speaker 1: I hear.

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Speaker 2: If they didn't hold, he gonna go the no. I

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Speaker 2: didn't hold him. And then the pool reporter I think

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Speaker 2: it was called Chaffers came out. I forget who the

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Speaker 2: official was saying. What happens? Juju released inside he can

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Speaker 2: the option back away, and he tugged him.

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Speaker 1: Because they run so many shallow crosses.

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Speaker 2: That's why it's so easy for them to option back out,

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Speaker 2: O Joe, because you know, I gotta beat you over

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Speaker 2: the top because I want you to get the first down.

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Speaker 2: So now he gets the hard read it and stop

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Speaker 2: and shut the option away.

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Speaker 1: You got the tug because.

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Speaker 2: Your momentum is going over the top, so you tug

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Speaker 2: and you use your momentum like we call a sleeve

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Speaker 2: shot to catch you back up with it. They threw

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Speaker 2: the flag. You can't make that call in that situation.

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Speaker 2: You absolutely can. And this was the question I asked

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Speaker 2: if a guy had done that the AJ Brown and

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Speaker 2: Devonte Smith. Would you have wanted that call yes or no?

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Speaker 2: Or would you have said you can't make that call

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Speaker 2: in that situations? It was a foul. You're right, o, Joe.

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Speaker 2: When you win as much, people like for you to win.

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Speaker 2: But I don't want you to win too much. Oh Joe,

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Speaker 2: I like that cap. But I had, man, y'all to

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Speaker 2: stop winning all these awards and not damn every time

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Speaker 2: I turn around. It's a webby, it's an our heartedward,

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Speaker 2: it's an NAACP award, it's a this is that?

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Speaker 1: Come on now? Yeah, come on now, come on, hey,

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Speaker 1: let somebody else win. Huh.

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Speaker 2: But this ain't just say this ain't a first second grade.

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Speaker 2: Let somebody else. You go out there and you compete

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Speaker 2: and you try to produce the best that you possibly can.

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Speaker 2: I mean you don't. But you know what a l

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Speaker 2: cho man, You know what I think. We don't want

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Speaker 2: enough on your bad man. Look, let's produce some bad content.

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Speaker 2: Let's not even do it. Don't even worry about the webbies.

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Speaker 2: Don't even worry about these award.

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Speaker 1: No.

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Speaker 2: If we gonna get up and spend all this time

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Speaker 2: that we do, we do sometimes what we went six

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Speaker 2: straight days. We went, we went like seven eight days.

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Speaker 2: One day around Christmas time we win that Monday. We

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Speaker 2: went that Wednesday, Thursday, Friday, Saturday, Sunday back to Monday.

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Speaker 2: No no, no, no, no, no, no, no no. It

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Speaker 2: doesn't work like that. We're gonna produce. We're gonna and

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Speaker 2: the teams they go out there, Oh y'all done, did

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Speaker 2: all this work. I'm out there and it's cold as hell.

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Speaker 2: It's ten degrees, it's minus degrees, it's one hundred degrees.

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Speaker 2: And now you're gonna talk about letting somebody else win.

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Speaker 2: I want to see somebody else win. Yes, we went

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Speaker 2: nine great days during the Olympics. Remember the Olympics on Joe.

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Speaker 2: We were on every day. Oh yeah, every day. So,

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Speaker 2: uh look, I get it. But when you play, when

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Speaker 2: you play the game, oh Joe, yes, you have a

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Speaker 2: different perspective because you know what it takes, because winning

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Speaker 2: isn't easy, and as you.

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Speaker 1: Go further and further along, it gets harder and harder

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Speaker 1: than you know.

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Speaker 5: It's funny for fans.

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Speaker 4: Let's say, in general, regardless of Udio, regards of Udio

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Speaker 4: team is when you look at the Patriots, the Patriots

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Speaker 4: have spoiled everybody that tenure with Tom Brady and Bill

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Speaker 4: Better checked throughout all those years, they had people thinking

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Speaker 4: it's very easy. It's to do what they did with

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Speaker 4: Andy Reid and Patrick Mahomes and doing consistently year in

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Speaker 4: a year out for the past seven years, or having

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Speaker 4: many years Patrick Maholmes has been started going to the

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Speaker 4: SC Championship. They have people it's very very easy, man,

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Speaker 4: It ain't it ain't easy. Well, no, it's very hard

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Speaker 4: to do what they're doing. It just people have been

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Speaker 4: spoiled by what they've been able to accomplish, and just

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Speaker 4: it's an attestament to their greatness and how good they

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Speaker 4: are as two coaches, as a coach and a player,

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Speaker 4: and now Andy Reid and Patrick Maholmes are having that

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Speaker 4: same success and people that just tied of seeing it.

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Speaker 4: It is, oh Jo, But think about it.

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Speaker 2: Think about how many times I think Tom Brady might

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Speaker 2: have won a division like fifteen, sixteen, seventeen times in

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Speaker 2: his career. Oh Jo, I won as many Super Bowls

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Speaker 2: as I did Division titles and I played fourteen years.

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Speaker 1: Yeah, I won three division titles.

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Speaker 2: Patrick mahone doesn't know what it's like to not win

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Speaker 2: the division title, right, they wanted what eight nine straight

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Speaker 2: years because they wanted a couple of years Alex Smith

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Speaker 2: and then they wanted when when Mahon.

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Speaker 1: Boy took over. Yeah. So for the most part, if

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Speaker 1: you got.

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Speaker 2: To Kansas City in the last say, six seven, eight years,

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Speaker 2: you don't know what it's like not to be the

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Speaker 2: AFC West Champs. You don't know what it's like not

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Speaker 2: to play in the AFC Championship game, because that's all

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Speaker 2: you know. It's like a family and that goals on vacation.

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Speaker 2: They don't know what it's like not to go on

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Speaker 2: vacation during the summer. Our black cass didn't know what

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Speaker 2: it was like to go on vacation during the summer.

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Speaker 2: So you're like, damn, I mean, I'm like, man, I

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Speaker 2: show wish they could. I wish they stopped going on vacation.

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Speaker 2: Why you don't you want your team to beat them?

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Speaker 2: I thought you to beat the man. You gotta beat

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Speaker 2: the man to beat the champ. You gotta beat the champ.

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Speaker 5: Hey, that games gonna be so good man.

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Speaker 2: Yes, at least week, that's what we're hoping. It's Saturday,

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Speaker 2: It's Sunday, Sunday. Both games on Sunday, same time, like

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Speaker 2: three and six thirty. I think three and six six

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Speaker 2: thirty something like that. And the thing now, my prediction,

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Speaker 2: I predicted. Listen, my homes is great.

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Speaker 4: The Chiefs are great spags of defense and what they're

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Speaker 4: what they're doing is great. And Josh Allen has played

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Speaker 4: phenomenal football this year. And one of the things that's

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Speaker 4: always been zacchiis heel is turning the ball over and

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Speaker 4: he's fixing.

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Speaker 5: He thinks that.

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Speaker 4: And people ask me who's gonna win the game? And

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Speaker 4: I said, the team of the quarterback that makes a

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Speaker 4: few of mistakes, you know, the quarterback that makes the

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Speaker 4: fewest mistakes. So I had to score. I had to

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Speaker 4: score the game being low and with the way Josh

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Speaker 4: Allen is playing, if he can play like he played

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Speaker 4: last week, I turn the ball over, protect the ball.

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Speaker 5: Everyone makes the play they need to make. I say,

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Speaker 5: they have a good chance. And finally beating the greatness

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Speaker 5: that is passed. Yeah, because they're the thing, Oh Joe.

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Speaker 2: People keep saying, well, you know, King, does Josh Allen

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Speaker 2: have to be Superman?

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Speaker 1: No he doesn't.

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Speaker 2: He can be Clark kid long he don't turn the

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Speaker 2: ball over. We've seen him be superman in certain situations,

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Speaker 2: but turnovers be his undoing. As long as he doesn't

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Speaker 2: turn the ball over, they have an excellent chance of

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Speaker 2: winning the game. And if you look at Josh's history,

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Speaker 2: more times than not, when he takes care of the football,

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Speaker 2: they win or they're in position to win. When you

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Speaker 2: start turning the ball over late. You can talk about

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Speaker 2: the division round. Go back and look last week. The

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Speaker 2: teams that turned the ball over they lost all of them,

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Speaker 2: all of them. It's really that simple. The teams that

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Speaker 2: turn the football over lose. As you go further, you

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Speaker 2: pay more and more heavier, heavier price for turning the

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Speaker 2: football over. But you look, that's what you get, Ojoe,

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Speaker 2: when the team is winning, because we're not used to

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Speaker 2: seeing teams win like the Chiefs we got the Patriots

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Speaker 2: did it and we're like, oh so we done with

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Speaker 2: that now, Ochoa, we ain't got to worry abouteeing that

383
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Speaker 2: thirty years Bud. How does the Patriots they fall off

384
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Speaker 2: where they lose Tom Brady And there's Patrick Mahomes right

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Speaker 2: here to just depict right back up. Yeah, because I

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Speaker 2: don't know if you know this, Ojoe, but animals like

387
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Speaker 2: if you have an effect, like you have a score

388
00:19:00,520 --> 00:19:04,000
Speaker 2: or raccoon problem. If you get rid of them and

389
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Speaker 2: you don't board it up, another family to come in

390
00:19:07,240 --> 00:19:08,680
Speaker 2: because those animals are territorial.

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Speaker 1: So if one move the other one to move right in.

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Speaker 2: It's kind of like just like an abandoned building, you

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Speaker 2: got homeless people living in it.

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Speaker 1: If you don't board it up, guess what, you move one,

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Speaker 1: that's it out. Nobody coming right back in.

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Speaker 2: So if you don't fix this problem, they got a

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Speaker 2: good quarterback.

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Speaker 1: They got it. So they got the next quarterback in

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Speaker 1: line to Tom Brady. Why are we.

400
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Speaker 5: Surprised it's gonna be a It's gonna be like this

401
00:19:34,640 --> 00:19:35,240
Speaker 5: for a while, and we.

402
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Speaker 1: Got a long way to go now he's twenty nine.

403
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Speaker 1: Long way to go. He's twenty nine. Yeah.

404
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Speaker 2: Now, there are a lot of great young quarterbacks, good

405
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Speaker 2: quarter There are a lot of great young quarterbacks. I

406
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Speaker 2: mean Big Bend with a good quarterback. Philip Rivers was

407
00:19:49,240 --> 00:19:51,840
Speaker 2: a good quarterback. Peyton Manning. Within the league at the time,

408
00:19:52,000 --> 00:19:54,040
Speaker 2: there a lot of quarterbacks in the league. Donovan McNab

409
00:19:54,119 --> 00:19:56,639
Speaker 2: was in the league at the time. Steve McNair was

410
00:19:56,680 --> 00:19:58,359
Speaker 2: in the league at the time, Drew Brees within the

411
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Speaker 2: league at the time, let's not partend.

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Speaker 1: They weren't no good quarterbacks in the league when Tom

413
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Speaker 1: was in. They were. He just happen to be at

414
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Speaker 1: the top of the pecking order, so until.

415
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Speaker 2: Somebody beat him, and you're gonna hey, don't think now

416
00:20:12,520 --> 00:20:14,600
Speaker 2: you can knock him because Cincinnati knocked him up one

417
00:20:14,680 --> 00:20:17,080
Speaker 2: year and guess what, they came back and got two more.

418
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Speaker 1: So just cause you knocked them, Bob, don't think that's

419
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Speaker 1: the end of him, now, are you?

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Speaker 2: Because remember from Tom Brady from the time he won

421
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Speaker 2: his third until he won his fourth, they're a decade

422
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Speaker 2: laps and everybody said, oh, yeah, we don't see that's

423
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Speaker 2: the end of it.

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Speaker 1: Nah.

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Speaker 2: That man came back and went fomo, all right, Oh Joe,

426
00:20:44,200 --> 00:20:46,239
Speaker 2: we got a very special guest joining us, A very

427
00:20:46,280 --> 00:20:49,080
Speaker 2: good friend I met. Had a conversation with him asking

428
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Speaker 2: what he joined us from time to time. A great guy,

429
00:20:51,760 --> 00:20:54,960
Speaker 2: great financial guy. Had some great ideas of how and

430
00:20:55,000 --> 00:20:57,560
Speaker 2: what you should do if you get some money, how

431
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Speaker 2: you can save your money.

432
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Speaker 1: He and I had a great conversation.

433
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Speaker 2: Thought about He told me like, if your assens, oh

434
00:21:03,760 --> 00:21:08,199
Speaker 2: your ass you not say it? So without it without

435
00:21:08,200 --> 00:21:11,040
Speaker 2: any further adude, let's give it up. Good friend of mine,

436
00:21:11,080 --> 00:21:13,400
Speaker 2: John Hopebrien, John, how you doing all?

437
00:21:13,520 --> 00:21:13,720
Speaker 1: Good?

438
00:21:13,800 --> 00:21:14,120
Speaker 2: My man?

439
00:21:14,240 --> 00:21:16,840
Speaker 1: Good to be with you, Good to be with you.

440
00:21:16,880 --> 00:21:19,720
Speaker 1: So uh. A couple of weeks ago, you did you

441
00:21:19,800 --> 00:21:21,320
Speaker 1: know what you know? You know what? You know what

442
00:21:21,400 --> 00:21:24,080
Speaker 1: about the ladies. The ladies had talked to me about

443
00:21:24,119 --> 00:21:27,000
Speaker 1: you since you were at the form, and they said,

444
00:21:27,119 --> 00:21:31,240
Speaker 1: you know, you know what the biggest thing on Shannon

445
00:21:31,320 --> 00:21:33,560
Speaker 1: Sharp is. I was like, I don't know. I only

446
00:21:33,600 --> 00:21:36,240
Speaker 1: answer this question. And oh, the biggest thing on Shannon

447
00:21:36,280 --> 00:21:43,480
Speaker 1: Sharp is his credit score. Under credit score, He's got

448
00:21:43,480 --> 00:21:46,760
Speaker 1: an eight undergrads Square said, this brother's making smart sexy.

449
00:21:47,080 --> 00:21:49,760
Speaker 1: We've been making dumb sexy for way too long. We

450
00:21:49,960 --> 00:21:53,560
Speaker 1: round brown and celebrated it. It's time to make smart

451
00:21:53,640 --> 00:21:56,480
Speaker 1: sexy again. You want to impress me, Get me a,

452
00:21:56,880 --> 00:21:59,159
Speaker 1: get an A in math. You want to impress me.

453
00:22:00,720 --> 00:22:03,879
Speaker 1: Don't just be cute and you to night. When you

454
00:22:03,960 --> 00:22:07,080
Speaker 1: go to club tonight, ask her name? Yeah you final?

455
00:22:07,280 --> 00:22:10,000
Speaker 1: Then what's your credit score? That's your partner for life

456
00:22:10,000 --> 00:22:13,480
Speaker 1: anyway that you're a very high credit score. Shat and

457
00:22:13,920 --> 00:22:16,000
Speaker 1: close to you, brother, So I am. I'm trying to

458
00:22:16,000 --> 00:22:17,760
Speaker 1: get it back to eight fifty. I'm trying to get

459
00:22:17,760 --> 00:22:18,639
Speaker 1: it back to eight fifty.

460
00:22:19,160 --> 00:22:21,480
Speaker 2: It's been real slow to get back to get it

461
00:22:21,520 --> 00:22:22,720
Speaker 2: back up there, but I'm trying.

462
00:22:22,920 --> 00:22:26,159
Speaker 4: Yeah, hey, brother John, I'm glad you opened up with that.

463
00:22:26,359 --> 00:22:28,280
Speaker 4: I'm glad you opened up with the credit score thing.

464
00:22:28,359 --> 00:22:30,280
Speaker 4: For the people that are in the chat. I see

465
00:22:30,280 --> 00:22:33,280
Speaker 4: this discourse many times, especially on Twitter, where people are

466
00:22:33,280 --> 00:22:34,080
Speaker 4: always arguing.

467
00:22:34,320 --> 00:22:38,600
Speaker 5: There'll be a question which you rather eight hundred.

468
00:22:38,320 --> 00:22:41,120
Speaker 4: Credit score or a certain amount of money, and it'll

469
00:22:41,119 --> 00:22:43,000
Speaker 4: be a lot of them, unless say just a million dollars,

470
00:22:43,000 --> 00:22:46,679
Speaker 4: so it might be and every time on Twitter they

471
00:22:47,040 --> 00:22:49,840
Speaker 4: arguing for hours and hours at the time, and everybody

472
00:22:49,920 --> 00:22:52,399
Speaker 4: chooses a certain amount of money as opposed to a

473
00:22:52,440 --> 00:22:54,720
Speaker 4: credit score. For those that in the chat, can you

474
00:22:54,760 --> 00:22:58,320
Speaker 4: please explain to them how important it is to have

475
00:22:58,440 --> 00:23:00,440
Speaker 4: a credit score over any.

476
00:23:00,280 --> 00:23:01,000
Speaker 5: Amount of money.

477
00:23:01,040 --> 00:23:01,560
Speaker 1: People don't.

478
00:23:01,560 --> 00:23:04,280
Speaker 4: People see the dollar figures and the amount of money

479
00:23:04,480 --> 00:23:08,000
Speaker 4: and they forget credit album with a lump sum of money.

480
00:23:09,080 --> 00:23:12,160
Speaker 1: Yeah. Ambassador Andrew Young who was doctor was doctor King

481
00:23:12,359 --> 00:23:15,879
Speaker 1: by the way. Good to see Chad, God bless you man.

482
00:23:15,880 --> 00:23:16,879
Speaker 1: Both of you guys are legends.

483
00:23:16,920 --> 00:23:17,040
Speaker 2: Well.

484
00:23:17,359 --> 00:23:20,159
Speaker 1: When Ambassador Young was on that balcony with doctor doctor King.

485
00:23:20,320 --> 00:23:23,000
Speaker 1: He was assassinated. He's also built the city I'm in

486
00:23:23,080 --> 00:23:26,600
Speaker 1: now is the only international city in the American South,

487
00:23:26,840 --> 00:23:29,240
Speaker 1: the biggest economy in the South of ten flars economy

488
00:23:29,240 --> 00:23:31,840
Speaker 1: in the US. And he would say, to live in

489
00:23:31,880 --> 00:23:35,479
Speaker 1: a system of free enterprise and not to understand the

490
00:23:35,600 --> 00:23:40,679
Speaker 1: rules of free enterprise must be the very definition of slavery.

491
00:23:41,480 --> 00:23:46,120
Speaker 1: So you make money, my boy, Tony Rustler, billionaire tod

492
00:23:46,320 --> 00:23:48,720
Speaker 1: taught me this lesson. You make money during the day

493
00:23:50,520 --> 00:23:53,800
Speaker 1: Alan of Hawks. For those who have just are sports fanatics.

494
00:23:53,840 --> 00:23:56,040
Speaker 1: That's not why he made his money. That was originally

495
00:23:56,119 --> 00:23:57,760
Speaker 1: his toy. It was just something to play with. Now

496
00:23:58,119 --> 00:24:00,760
Speaker 1: it's worth billions. But he made a money and finance

497
00:24:00,840 --> 00:24:03,720
Speaker 1: actually in area's management anyway, build his wealth. A really

498
00:24:03,720 --> 00:24:05,840
Speaker 1: good guy. He says, you make your money during the day,

499
00:24:06,920 --> 00:24:10,639
Speaker 1: you build wealth in your sleep. Okay, So this is

500
00:24:10,680 --> 00:24:13,840
Speaker 1: a similar situation. People become obsessed with the wrong thing.

501
00:24:13,880 --> 00:24:15,480
Speaker 1: You asked a very good question. I want to get

502
00:24:15,480 --> 00:24:17,600
Speaker 1: that cash. Won't get this dollar, won't get this bag,

503
00:24:17,680 --> 00:24:21,320
Speaker 1: won't get this money. I want to give it useless,

504
00:24:21,960 --> 00:24:26,800
Speaker 1: completely useless. Money has a velocity. It's not stopping it

505
00:24:26,840 --> 00:24:30,359
Speaker 1: will go and if you're financially illiterate, people who are

506
00:24:30,400 --> 00:24:32,720
Speaker 1: literate will will it will separate you from that dollar.

507
00:24:32,880 --> 00:24:38,000
Speaker 1: Ninety two percent of all GDP of blacks in America

508
00:24:38,080 --> 00:24:40,840
Speaker 1: one point six one point seven trillion dollars a week

509
00:24:41,280 --> 00:24:46,000
Speaker 1: generate and spend every year. Ninety two percent is consumption.

510
00:24:47,080 --> 00:24:48,600
Speaker 1: So the man, if you want to call it that,

511
00:24:48,800 --> 00:24:51,359
Speaker 1: he knows you just gonna go Stendard. They don't need

512
00:24:51,400 --> 00:24:53,960
Speaker 1: to hire you to be the spokesman for Louis Vaton.

513
00:24:54,160 --> 00:24:56,480
Speaker 1: You're gonna be a walking billboard for it anyway. They

514
00:24:56,480 --> 00:24:58,399
Speaker 1: don't need to hire sports figures to be to be

515
00:24:58,600 --> 00:25:01,720
Speaker 1: to be Gucci spoos, spots people, and whatever the brands are.

516
00:25:01,760 --> 00:25:04,800
Speaker 1: They're gonna wear it on anyway because our assets aren't

517
00:25:04,840 --> 00:25:08,440
Speaker 1: all too often on our ass. So we because we

518
00:25:08,960 --> 00:25:11,640
Speaker 1: are with the rules of publishing, the playing fillers level,

519
00:25:11,880 --> 00:25:18,199
Speaker 1: we kill it special sports, the arts, politics, faith, the

520
00:25:18,280 --> 00:25:21,160
Speaker 1: rules of published, and the playing fills level. But we've

521
00:25:21,160 --> 00:25:23,760
Speaker 1: never been taught capitalism in free enterprise and financial literacy,

522
00:25:23,760 --> 00:25:26,320
Speaker 1: which I consider to be financial literacy is a civil

523
00:25:26,400 --> 00:25:29,600
Speaker 1: rights issue of this generation. So it's what you don't

524
00:25:29,640 --> 00:25:32,240
Speaker 1: know that you don't know this killing you, but you

525
00:25:32,359 --> 00:25:34,560
Speaker 1: think you know so. Now I'm gonna drop a bomb here.

526
00:25:34,800 --> 00:25:38,000
Speaker 1: That makes the point that money in of itself is

527
00:25:38,080 --> 00:25:42,960
Speaker 1: absolutely useless. If I gave a homeless guy, I was

528
00:25:42,960 --> 00:25:44,359
Speaker 1: homeless of six months of my life when I was

529
00:25:44,400 --> 00:25:47,520
Speaker 1: eighteen years old. It was economic homeless. Most homelessness is

530
00:25:47,640 --> 00:25:51,240
Speaker 1: mental illness and depression and other things, drugs. If I

531
00:25:51,359 --> 00:25:54,800
Speaker 1: was if you give a homeless man a million dollars

532
00:25:56,320 --> 00:25:59,240
Speaker 1: and to do nothing else, trup, he'll be broken six

533
00:25:59,280 --> 00:26:05,119
Speaker 1: months because if nothing changes here, said, and then nothing

534
00:26:05,200 --> 00:26:10,000
Speaker 1: changes here values, then nothing's going to change here and

535
00:26:10,240 --> 00:26:12,600
Speaker 1: here you will walk away from your money, or somebody

536
00:26:12,640 --> 00:26:15,520
Speaker 1: will walk away with your money. And we want to

537
00:26:15,560 --> 00:26:18,080
Speaker 1: blame the man for these bad contracts and in the

538
00:26:18,200 --> 00:26:22,000
Speaker 1: music business and bad You signed it. The Klan didn't

539
00:26:22,000 --> 00:26:25,120
Speaker 1: tell you to sign it. Nobody stand up in your

540
00:26:25,160 --> 00:26:27,639
Speaker 1: head with a butcher knife and said sign that contract.

541
00:26:27,880 --> 00:26:30,240
Speaker 1: You said, y'all, I don't need to. I just want to.

542
00:26:30,359 --> 00:26:32,000
Speaker 1: I just want to do the music. I just want

543
00:26:32,000 --> 00:26:33,560
Speaker 1: to I just want to play ball. I don't want

544
00:26:33,560 --> 00:26:36,840
Speaker 1: to mess around with that. It's the music business. It's

545
00:26:36,880 --> 00:26:41,800
Speaker 1: the business of music. It's the sports business. It's the

546
00:26:42,000 --> 00:26:47,520
Speaker 1: business of sports. And to say so so we are

547
00:26:47,560 --> 00:26:50,040
Speaker 1: brilliant in so many ways. We've been doing so much

548
00:26:50,080 --> 00:26:51,960
Speaker 1: with so little for so long. We can almost do

549
00:26:52,040 --> 00:26:56,159
Speaker 1: any of nothing. But we're never taught financial literacy. There

550
00:26:56,200 --> 00:26:58,440
Speaker 1: was a Freeman's Bank created in eighteen sixty five after

551
00:26:58,480 --> 00:27:01,440
Speaker 1: the Civil War. Abraham Lincoln did it with Frederick Douglas,

552
00:27:01,960 --> 00:27:04,399
Speaker 1: and he was killed the next month for that and

553
00:27:04,440 --> 00:27:07,160
Speaker 1: promising blacks and the right to vote. The bank failed.

554
00:27:07,280 --> 00:27:09,600
Speaker 1: We never would talk how money works. So it's in

555
00:27:09,600 --> 00:27:12,080
Speaker 1: some ways it's not our fault. But we live in

556
00:27:12,119 --> 00:27:16,280
Speaker 1: a capitalist democracy. So all these folks, seventy percent of

557
00:27:16,320 --> 00:27:23,480
Speaker 1: those who win the lottery, seventy percent broke in five years. Wow, broke.

558
00:27:24,200 --> 00:27:26,400
Speaker 1: So all this stuff about give me that money, give

559
00:27:26,440 --> 00:27:28,560
Speaker 1: me that doted. I mean, I'm gonna be really dramatic here.

560
00:27:30,000 --> 00:27:32,520
Speaker 1: Let's take all the money in the world, including mind,

561
00:27:32,560 --> 00:27:37,920
Speaker 1: including yours, including Shannon's Chaid. Let's take it because we're green. Really,

562
00:27:37,920 --> 00:27:40,480
Speaker 1: we're not black at this point, we're green. We've made it.

563
00:27:40,520 --> 00:27:44,480
Speaker 1: Take all our money, with all the with everybody else

564
00:27:44,480 --> 00:27:48,000
Speaker 1: that's been wanted, the top three percent. We just made

565
00:27:48,040 --> 00:27:51,520
Speaker 1: the whole world socialists now redistributed to everybody in the

566
00:27:51,520 --> 00:27:58,480
Speaker 1: world equally within three years, what are you having better? Yep,

567
00:27:59,240 --> 00:28:01,199
Speaker 1: If you don't do anything else, we'll all have it

568
00:28:01,240 --> 00:28:04,480
Speaker 1: back because somebody understands how capitalism and free enterprise and

569
00:28:04,560 --> 00:28:07,600
Speaker 1: money works, and somebody's understand how to spend it. People

570
00:28:07,600 --> 00:28:09,200
Speaker 1: say I can be a millionaire. I won't go broke.

571
00:28:09,280 --> 00:28:11,719
Speaker 1: Yes you will. Millionaires go broke every day you can.

572
00:28:11,920 --> 00:28:15,520
Speaker 1: A billionaire can go bro It's hard, but you know, bro,

573
00:28:16,280 --> 00:28:19,000
Speaker 1: if your outflow sees your inflows, then your overhead will

574
00:28:19,040 --> 00:28:25,159
Speaker 1: be your downfall. What you really want is mindset knowledge.

575
00:28:25,440 --> 00:28:28,200
Speaker 1: You know what I like about Shannon. He came into

576
00:28:28,200 --> 00:28:30,960
Speaker 1: the whole global form, We had the whole glove reform,

577
00:28:31,400 --> 00:28:35,240
Speaker 1: and my man just was nosy, asked Quincy Jones, how'd

578
00:28:35,240 --> 00:28:37,679
Speaker 1: you get so smart? I'm just nosy as hell. I

579
00:28:37,720 --> 00:28:40,320
Speaker 1: want to know everything about everything. He was nosy. He

580
00:28:40,360 --> 00:28:43,480
Speaker 1: was all over in everybody's business, asking this daionaire question,

581
00:28:43,640 --> 00:28:47,080
Speaker 1: asking that billionaire question, asking that CEO question, all up

582
00:28:47,120 --> 00:28:51,000
Speaker 1: in my face, asking me questions, trying to learn what

583
00:28:51,120 --> 00:28:51,760
Speaker 1: he doesn't know.

584
00:28:52,880 --> 00:28:55,920
Speaker 2: That you don't know what you don't know, John, let

585
00:28:55,960 --> 00:28:57,680
Speaker 2: me ask you this, And I don't know if you

586
00:28:57,720 --> 00:28:59,080
Speaker 2: know this up the top of your head. But I

587
00:28:59,400 --> 00:29:02,840
Speaker 2: was reading, like in the Jewish community, the dollar stays

588
00:29:02,880 --> 00:29:06,280
Speaker 2: there like forty three, forty five days, and the Asian

589
00:29:06,320 --> 00:29:08,640
Speaker 2: community it stays there like twenty days. And the white

590
00:29:08,640 --> 00:29:12,640
Speaker 2: community stays they're like ten days, fifteen days. In the

591
00:29:12,680 --> 00:29:16,840
Speaker 2: Black community, it stays there like two minutes. It's right,

592
00:29:17,080 --> 00:29:24,400
Speaker 2: and that's when the pick stop. Old Joe and I

593
00:29:24,440 --> 00:29:26,719
Speaker 2: had a conversation. We've had a conversation. The old Chol

594
00:29:26,880 --> 00:29:30,040
Speaker 2: was like, yes, so doc, if I gave somebody, if

595
00:29:30,080 --> 00:29:33,400
Speaker 2: I gave a person three hundred and eighty thousand dollars,

596
00:29:34,000 --> 00:29:36,760
Speaker 2: and that's all the money I ever they gave and

597
00:29:36,800 --> 00:29:40,920
Speaker 2: they weren't working, they're twenty years old. Let's just say

598
00:29:40,960 --> 00:29:43,800
Speaker 2: twenty five thirty. Would that money last them a lifetime?

599
00:29:44,240 --> 00:29:47,920
Speaker 1: We won't last them six months. Look, this happens every day.

600
00:29:48,040 --> 00:29:52,720
Speaker 1: Is called lawsuit settlements. It happens every day. You know

601
00:29:53,440 --> 00:29:55,320
Speaker 1: you gonna urban and Rady gal stage. Let's just have

602
00:29:55,360 --> 00:30:00,000
Speaker 1: a real conversation. How because Malcolm X said, we've been bamboozled,

603
00:30:00,640 --> 00:30:05,240
Speaker 1: we've been tricked, we've been full, we've been hoodwinked. That

604
00:30:05,360 --> 00:30:08,959
Speaker 1: applies to so much. President Bill Clinton once said it's

605
00:30:09,000 --> 00:30:10,880
Speaker 1: hard to somebody agreed to the truth on the liars

606
00:30:10,880 --> 00:30:18,760
Speaker 1: paying their paycheck. Here the book is usual, stateents, book ends, hoodwing, bamboozle,

607
00:30:20,920 --> 00:30:24,520
Speaker 1: run them up. The other comment, it's hard to get

608
00:30:24,520 --> 00:30:27,640
Speaker 1: somebody agreed to the truth if the lion is paying

609
00:30:27,680 --> 00:30:32,000
Speaker 1: the paycheck. Now in the middle of financial illiteracy. Now

610
00:30:34,280 --> 00:30:38,000
Speaker 1: you go to an urban radio station focusing on our

611
00:30:38,040 --> 00:30:42,520
Speaker 1: community and listen to the ads. Eighty percent of the

612
00:30:42,560 --> 00:30:50,760
Speaker 1: ads are pivot law firms, lawsuits, I mean high interest rate.

613
00:30:51,680 --> 00:30:55,880
Speaker 1: You know, the seat paper, mortgages, seat paper, all our

614
00:30:56,000 --> 00:30:58,640
Speaker 1: loans is run there in broad daylan I'm gonna go

615
00:30:58,680 --> 00:31:02,320
Speaker 1: one step further and get they get these settlements, slipping falls, whatever,

616
00:31:02,600 --> 00:31:04,640
Speaker 1: you know, people running in front of cars and tripping.

617
00:31:04,920 --> 00:31:07,719
Speaker 1: But by the way, criminal AI is gonna make criminality

618
00:31:07,840 --> 00:31:12,360
Speaker 1: really a bad business. These propolicies, cameras and artificial intelligence.

619
00:31:12,480 --> 00:31:14,320
Speaker 1: You need to get a new gig that that that

620
00:31:14,480 --> 00:31:18,000
Speaker 1: day is soon and I mean next years over. But anyway,

621
00:31:18,000 --> 00:31:21,960
Speaker 1: back to this point. You go to our neighborhood, You

622
00:31:22,000 --> 00:31:24,400
Speaker 1: go to a place where we grew up, and here's

623
00:31:24,400 --> 00:31:29,560
Speaker 1: what you see. The check casher next to a payday

624
00:31:29,600 --> 00:31:34,200
Speaker 1: loan lender, next your rent to all store, next to

625
00:31:34,240 --> 00:31:38,800
Speaker 1: a title lender, next to a liquor store, next to

626
00:31:38,920 --> 00:31:45,560
Speaker 1: pawn shot uh fast food store restaurant, and a church

627
00:31:45,640 --> 00:31:47,960
Speaker 1: down the street trying to make you feel a little

628
00:31:47,960 --> 00:31:51,040
Speaker 1: bit better once a week. That's your neighborhood. Psychologists, that's

629
00:31:51,080 --> 00:31:54,280
Speaker 1: your neighborhood. Strenk. We don't want to knit me crazy. Oh,

630
00:31:54,600 --> 00:31:57,120
Speaker 1: I can't go to a psychologists or a shrink. Somebody

631
00:31:57,200 --> 00:31:59,520
Speaker 1: might think I'm crazy. If you black in America and

632
00:31:59,560 --> 00:32:03,120
Speaker 1: don't think you crazy, you're crazy. So we go there

633
00:32:03,240 --> 00:32:05,240
Speaker 1: Hoop and Holland used to. That's one of our problems.

634
00:32:05,240 --> 00:32:06,560
Speaker 1: We don't go to church anymore. We don't have any

635
00:32:06,560 --> 00:32:09,959
Speaker 1: spirituality anymore. That's a whole nother conversation. We've been really

636
00:32:09,960 --> 00:32:12,040
Speaker 1: hood of weight now because now we think money's got,

637
00:32:12,240 --> 00:32:15,400
Speaker 1: we think materialisms, God, we think some rappers got anyway.

638
00:32:15,600 --> 00:32:17,960
Speaker 1: So now the one place you could go in Hoop

639
00:32:17,960 --> 00:32:20,240
Speaker 1: and Holland, we don't go there anymore. That's why you

640
00:32:20,240 --> 00:32:26,760
Speaker 1: don't go crazy now. Literally, you're being pipped a five

641
00:32:26,840 --> 00:32:30,000
Speaker 1: hundred credit score neighborhood that all you see the only

642
00:32:30,040 --> 00:32:32,320
Speaker 1: place you see those places? Or is it a fire

643
00:32:32,400 --> 00:32:34,440
Speaker 1: hundred credit corred neighborhood by the way black and brown

644
00:32:34,600 --> 00:32:39,680
Speaker 1: urban or white ruin. Now you go fifteen minutes away

645
00:32:41,040 --> 00:32:42,920
Speaker 1: in every city of Marria. I've mapped every zip code.

646
00:32:43,000 --> 00:32:46,440
Speaker 1: Narder buy credit score is I Hope Financial the Hope

647
00:32:46,440 --> 00:32:48,920
Speaker 1: Financial Wellness Index, And can go on my website and

648
00:32:49,000 --> 00:32:50,880
Speaker 1: put you put you in your put in your zip code.

649
00:32:51,040 --> 00:32:52,840
Speaker 1: I'll tell your credit score in your neighborhood. I tell

650
00:32:52,840 --> 00:32:55,320
Speaker 1: you how you live it. You go fifteen minutes away

651
00:32:55,360 --> 00:32:57,960
Speaker 1: from that zip code and you're in a seven hundred

652
00:32:57,960 --> 00:33:03,040
Speaker 1: credit score neighborhood in Chicago. I think it's Lincoln something.

653
00:33:03,160 --> 00:33:05,240
Speaker 1: And then fifteen minutes from there, I think it's Garfield

654
00:33:05,280 --> 00:33:08,160
Speaker 1: Park or something. Five hundred versus seven hundred, seve hundred

655
00:33:08,200 --> 00:33:11,200
Speaker 1: versus five hundred. You go. You know, Atlanta's the same thing.

656
00:33:11,360 --> 00:33:13,440
Speaker 1: La is the same thing every wherever you are now,

657
00:33:13,920 --> 00:33:19,200
Speaker 1: And that's seven the Chriscore neighborhood. Two pair of households,

658
00:33:20,800 --> 00:33:26,040
Speaker 1: prime financy, seventy five percent home ownership rate prime almost

659
00:33:26,120 --> 00:33:35,640
Speaker 1: not existing, hole foods, sit down restaurants, proper businesses, mainstream banks.

660
00:33:36,800 --> 00:33:40,960
Speaker 1: Right thirteen minutes away a third world country. We think

661
00:33:41,000 --> 00:33:43,640
Speaker 1: this is normal. This is why you cannot give somebody

662
00:33:43,640 --> 00:33:46,360
Speaker 1: three hundred and fifty, three hundred and eighty thousand dollars

663
00:33:47,640 --> 00:33:50,000
Speaker 1: and think that they're gonna forget a lifetime. It won't

664
00:33:50,080 --> 00:33:52,600
Speaker 1: last them a year, I said six months. I'll be gracious,

665
00:33:52,760 --> 00:33:55,160
Speaker 1: it won't last. If your outflowed seed, you're inflowed, then

666
00:33:55,160 --> 00:33:57,040
Speaker 1: your overhead will be your downfall. I'm gonna go one

667
00:33:57,080 --> 00:34:03,760
Speaker 1: step further. We are brilliant. Black Americans are literally geniuses.

668
00:34:04,200 --> 00:34:06,720
Speaker 1: We came here enslave. My second great grandfather on my

669
00:34:06,760 --> 00:34:09,319
Speaker 1: mother my dad's side, and my second great grandmother on

670
00:34:09,360 --> 00:34:13,200
Speaker 1: my mother's side, both slaves. My grandfather was a sharecropper.

671
00:34:13,400 --> 00:34:16,600
Speaker 1: So I'm talking from the real place. We come from nothing.

672
00:34:16,680 --> 00:34:18,840
Speaker 1: I come from the bottom core tele of poverty counting

673
00:34:19,040 --> 00:34:21,799
Speaker 1: in South Central to the top one percent in one

674
00:34:21,840 --> 00:34:23,880
Speaker 1: lifetime because of what we're talking about in me understanding

675
00:34:23,880 --> 00:34:29,480
Speaker 1: how this system actually works. Now, we we're brilliant and

676
00:34:29,520 --> 00:34:33,759
Speaker 1: we're geniuses. Imagine what would have happened, Otro Sinkle. I

677
00:34:33,840 --> 00:34:36,440
Speaker 1: magine what happened, Shannon if we had a black Jewish

678
00:34:36,440 --> 00:34:41,719
Speaker 1: business plan. Imagine what playing what we didn't if we

679
00:34:41,719 --> 00:34:43,959
Speaker 1: didn't have a forty percent whole ownership. Go ahead, Shannon,

680
00:34:43,960 --> 00:34:45,759
Speaker 1: were about to say, I wanted that. I want you

681
00:34:45,800 --> 00:34:49,600
Speaker 1: to explain what that means and what that actually is. Yeah,

682
00:34:49,680 --> 00:34:53,399
Speaker 1: on in something versus talking about something. You know, poor

683
00:34:53,440 --> 00:34:58,040
Speaker 1: people talking about other people. Wealthy people talk about their ideas.

684
00:34:59,239 --> 00:35:02,760
Speaker 1: Goo barbersh up, go to the nelsalon in black community.

685
00:35:03,520 --> 00:35:05,640
Speaker 1: I'm not talking about us. I'm helping out to help us.

686
00:35:06,120 --> 00:35:10,480
Speaker 1: Listen to what we're talking about. We're talking about mostly

687
00:35:11,400 --> 00:35:15,160
Speaker 1: other people. You go ahead, go ahead, Jai like single

688
00:35:15,239 --> 00:35:15,920
Speaker 1: by the way.

689
00:35:15,800 --> 00:35:18,080
Speaker 5: Now, it doesn't matter what you call me. Answer, I

690
00:35:18,080 --> 00:35:20,120
Speaker 5: have a question one of the things you just said.

691
00:35:21,760 --> 00:35:24,640
Speaker 4: The others talk about their ideas and how they can

692
00:35:24,680 --> 00:35:29,680
Speaker 4: work together. When it comes to us, we have a

693
00:35:29,800 --> 00:35:32,160
Speaker 4: problem working together because we don't want to see each

694
00:35:32,160 --> 00:35:35,040
Speaker 4: other win. We're always in competition with each other. As

695
00:35:35,040 --> 00:35:39,040
Speaker 4: opposed to other ethnicities, they're more so. Okay, if you

696
00:35:39,120 --> 00:35:41,799
Speaker 4: have this idea, well i'm gonna pick you up. And

697
00:35:41,880 --> 00:35:44,200
Speaker 4: then whoever's above him, well i'm gonna pick you up

698
00:35:44,800 --> 00:35:47,560
Speaker 4: where they always they always work in unison. And a

699
00:35:47,719 --> 00:35:50,359
Speaker 4: very small percentage of us want to see each other

700
00:35:50,400 --> 00:35:52,759
Speaker 4: win or help us get to a level or we

701
00:35:52,840 --> 00:35:54,640
Speaker 4: want to all right, we want to see you win.

702
00:35:55,320 --> 00:35:56,759
Speaker 4: You know what I don't want to see I want

703
00:35:56,760 --> 00:35:58,440
Speaker 4: to see Joe Winn but I don't want to see

704
00:35:58,480 --> 00:35:59,200
Speaker 4: him doing better than me.

705
00:35:59,640 --> 00:36:06,120
Speaker 1: Would I can tell you why why low self esteem?

706
00:36:07,880 --> 00:36:13,040
Speaker 1: So check this out if you're African American. By the way,

707
00:36:13,400 --> 00:36:20,239
Speaker 1: only there are only African American ghettos in America. There

708
00:36:20,760 --> 00:36:24,319
Speaker 1: are places where Italians live, where Polish people live, there

709
00:36:24,360 --> 00:36:27,040
Speaker 1: are places where Caribbean blacks live, there are places where

710
00:36:27,040 --> 00:36:29,759
Speaker 1: Black Africans live. There are places. I want to make

711
00:36:29,760 --> 00:36:31,799
Speaker 1: sure I put black people on this, But there's only

712
00:36:31,880 --> 00:36:38,160
Speaker 1: African American ghettos in America, inner cities that are a

713
00:36:38,160 --> 00:36:41,680
Speaker 1: magnet and a holding place for poverty. What's that the

714
00:36:41,680 --> 00:36:45,480
Speaker 1: relay to do? When we people say, oh, African Americans,

715
00:36:45,480 --> 00:36:49,480
Speaker 1: you're all lazy online intelligence? Really so you went four

716
00:36:49,560 --> 00:36:52,600
Speaker 1: hundred years ago, halfway around the world in an agricultural

717
00:36:52,600 --> 00:36:56,439
Speaker 1: economy to go get dummies from Africa and walk from

718
00:36:56,480 --> 00:37:00,160
Speaker 1: all the way across the world at incredible expense and

719
00:37:00,160 --> 00:37:02,879
Speaker 1: brought them to America because we're stupid. No no, no,

720
00:37:02,880 --> 00:37:08,400
Speaker 1: no no, we were agricultural geniuses of the land, them

721
00:37:08,400 --> 00:37:11,600
Speaker 1: coming to your coming to your point. Now, they had

722
00:37:11,640 --> 00:37:14,920
Speaker 1: this soil in the American South that was a gold mine.

723
00:37:14,960 --> 00:37:19,759
Speaker 1: It produced cross that were incredible gold mines. Cotton and

724
00:37:20,360 --> 00:37:24,399
Speaker 1: tobacco is Google mines. In fact, Haiti was the wealthiest,

725
00:37:25,480 --> 00:37:29,360
Speaker 1: the wealthiest outpost for France in the world. It was Haiti.

726
00:37:29,440 --> 00:37:31,160
Speaker 1: And that's a whole nother story. We get to it

727
00:37:31,200 --> 00:37:34,080
Speaker 1: before we end, because that's the reason America exists. It

728
00:37:34,160 --> 00:37:36,200
Speaker 1: is Haiti. But let me come back to this for

729
00:37:36,200 --> 00:37:38,239
Speaker 1: a minute. So now they bring us over here, and

730
00:37:38,320 --> 00:37:40,799
Speaker 1: they did. Guys's big as view in Shannon. Now, high

731
00:37:40,800 --> 00:37:45,640
Speaker 1: self esteem, confidence, your tribal leaders, your chieftains. They captured you.

732
00:37:46,200 --> 00:37:48,879
Speaker 1: They brought you here, but they got to be get

733
00:37:48,880 --> 00:37:53,000
Speaker 1: the self esteem out of here. The first thing you're

734
00:37:53,000 --> 00:37:55,440
Speaker 1: gonna do is fight. You see your wife being abused,

735
00:37:55,560 --> 00:37:57,719
Speaker 1: you see your children being sold off. I'm not trying

736
00:37:57,719 --> 00:38:01,040
Speaker 1: to start getting body worked up trying to explain to

737
00:38:01,080 --> 00:38:04,400
Speaker 1: them how he get to this low self esteem. So

738
00:38:04,920 --> 00:38:07,279
Speaker 1: they're abusing your wife, they're holding you down. It takes

739
00:38:07,320 --> 00:38:11,480
Speaker 1: quite like eight people to hold Shannon death. They're holding

740
00:38:11,480 --> 00:38:16,600
Speaker 1: them down just until he stops fighting, because that means

741
00:38:16,600 --> 00:38:19,120
Speaker 1: he realizes he cannot do anything to help his wife.

742
00:38:19,760 --> 00:38:22,000
Speaker 1: They broke his spirit and not trying to break his body.

743
00:38:22,000 --> 00:38:24,240
Speaker 1: They ate his body. They're trying to break his spirit.

744
00:38:24,280 --> 00:38:28,600
Speaker 1: We're not human beings having a spiritual experience. Were spiritual

745
00:38:28,640 --> 00:38:34,480
Speaker 1: beings having a human experience. Energy matters. So now they

746
00:38:34,600 --> 00:38:36,400
Speaker 1: sold your kids off in a different direction. So you

747
00:38:36,440 --> 00:38:38,840
Speaker 1: don't have any hope for that most dangerous personal worlds

748
00:38:38,840 --> 00:38:40,959
Speaker 1: a person will no hope. They now abused your wife.

749
00:38:41,040 --> 00:38:43,520
Speaker 1: You can't do any protect her. Now you just broke

750
00:38:43,560 --> 00:38:45,680
Speaker 1: a broken man. Just with the way they need you.

751
00:38:46,200 --> 00:38:48,880
Speaker 1: Now they put you to work building these crops. By

752
00:38:48,920 --> 00:38:51,479
Speaker 1: the way, blacks and whites, poor blacks and whites were

753
00:38:51,520 --> 00:38:56,560
Speaker 1: friends in the sixteen hundreds in Americans, all the plantations.

754
00:38:56,800 --> 00:38:59,480
Speaker 1: True fact is again somethings we wanted to which had

755
00:38:59,520 --> 00:39:02,000
Speaker 1: to be a good deep on. But to answer your question,

756
00:39:03,200 --> 00:39:05,279
Speaker 1: they had to break your spirit. They had to keep

757
00:39:05,320 --> 00:39:08,319
Speaker 1: you away from books. They had to not teach you

758
00:39:08,320 --> 00:39:12,760
Speaker 1: financial literacy. They needed you to have confidence in taking

759
00:39:12,880 --> 00:39:15,000
Speaker 1: dick it's soil and bringing it back to life. Where

760
00:39:15,040 --> 00:39:19,120
Speaker 1: we're experts at Africa is hot, the soil dies all

761
00:39:19,160 --> 00:39:21,759
Speaker 1: the time. We were geniuses of the land bringing it

762
00:39:21,800 --> 00:39:24,759
Speaker 1: back to life. What's the largest attacked natural resource in

763
00:39:24,760 --> 00:39:27,239
Speaker 1: the world today to this day, it's Africa. That's what

764
00:39:27,360 --> 00:39:30,600
Speaker 1: everybody needs. By the way, Africa is the future to

765
00:39:30,760 --> 00:39:34,040
Speaker 1: the American demogra world demographics because the youngest people in

766
00:39:34,040 --> 00:39:36,520
Speaker 1: the world are in Nigeria. Anyway, back to this story.

767
00:39:36,840 --> 00:39:40,680
Speaker 1: So now you've got high confidence today, let's fast forward.

768
00:39:40,760 --> 00:39:45,000
Speaker 1: Now African Americans were killing it in many, many sectors.

769
00:39:45,000 --> 00:39:48,279
Speaker 1: We have incredible confidence because we're competent, but we have

770
00:39:48,360 --> 00:39:51,279
Speaker 1: low self esteem. So if I don't like me, I'm

771
00:39:51,320 --> 00:39:54,640
Speaker 1: not gonna like you. If I don't feel good about me,

772
00:39:54,719 --> 00:39:57,520
Speaker 1: I'm not gonna feel good about you. If I don't

773
00:39:57,520 --> 00:39:59,480
Speaker 1: respect me, don't expect me to respect you. But I

774
00:39:59,520 --> 00:40:01,360
Speaker 1: don't love me. I don't have a clue how to

775
00:40:01,480 --> 00:40:03,759
Speaker 1: love you. And here's a big one. If I don't

776
00:40:03,800 --> 00:40:06,200
Speaker 1: have a purpose in my life, on't me your life

777
00:40:06,239 --> 00:40:10,759
Speaker 1: a living hell? Because whatever goes around comes around and

778
00:40:10,840 --> 00:40:12,960
Speaker 1: hurt people, hurt people. There you go with crab in

779
00:40:13,000 --> 00:40:15,200
Speaker 1: the barrel. So now you have a these smart people

780
00:40:15,680 --> 00:40:17,600
Speaker 1: who are hooked on cash, not do it in well.

781
00:40:19,560 --> 00:40:23,200
Speaker 1: Hooked on giving it away versus collecting it, Hooked on

782
00:40:23,280 --> 00:40:26,680
Speaker 1: transactions versus relationships, Hooked on what I got to get

783
00:40:26,760 --> 00:40:30,120
Speaker 1: versus what I have to get. Being told religion, isn't

784
00:40:30,120 --> 00:40:32,640
Speaker 1: it important anymore? And forget about that? In spirituality, now

785
00:40:32,640 --> 00:40:35,200
Speaker 1: the devil's got you. It's when you and Shannon get

786
00:40:35,280 --> 00:40:37,719
Speaker 1: up in the morning and me the devil says, oh shit,

787
00:40:37,800 --> 00:40:42,760
Speaker 1: they're up. There's not enough of us because when you succeed,

788
00:40:42,760 --> 00:40:45,360
Speaker 1: I love it. I have flawed you. I don't have

789
00:40:45,400 --> 00:40:47,360
Speaker 1: a self esteem problem. It's ok if you don't like me,

790
00:40:47,440 --> 00:40:48,080
Speaker 1: I like me.

791
00:40:51,160 --> 00:40:51,200
Speaker 3: So.

792
00:40:52,160 --> 00:40:54,600
Speaker 1: But self esteem and ericants are two different things. So

793
00:40:55,320 --> 00:40:57,680
Speaker 1: what do we need five pillars of success? So my

794
00:40:57,800 --> 00:40:59,800
Speaker 1: last book is Fancial Literacy for All is the bestseller

795
00:41:00,040 --> 00:41:02,440
Speaker 1: before that was Up from Nothing? Before that, six of them,

796
00:41:02,480 --> 00:41:04,200
Speaker 1: But this lap, the one before that, Up from Nothing,

797
00:41:04,239 --> 00:41:06,520
Speaker 1: had five pillars. It's much education you can shove up

798
00:41:06,520 --> 00:41:08,640
Speaker 1: down your throat. How do we reverse what we're talking about?

799
00:41:09,840 --> 00:41:12,160
Speaker 1: As much education you can shut down your throat. That's

800
00:41:12,200 --> 00:41:14,520
Speaker 1: why you see books all around me in my office.

801
00:41:14,600 --> 00:41:17,960
Speaker 1: I'm always reading. That's why again Shannon knows it your nosey,

802
00:41:18,000 --> 00:41:22,360
Speaker 1: I love it. Number two, understanding how the language of

803
00:41:22,400 --> 00:41:25,480
Speaker 1: money works. Financial literacy is as important as the right

804
00:41:25,520 --> 00:41:28,319
Speaker 1: to vote as a four year education. A seven hundred

805
00:41:28,320 --> 00:41:31,719
Speaker 1: credit score is as important as a four year college degree. Yes,

806
00:41:31,760 --> 00:41:33,640
Speaker 1: I said it, And everybody who works for me is

807
00:41:33,640 --> 00:41:36,040
Speaker 1: a college degree, and they better have a good credit score.

808
00:41:36,920 --> 00:41:39,759
Speaker 1: But because you never had a billionaire didn't do it

809
00:41:39,800 --> 00:41:42,239
Speaker 1: on good debt, You never had a successful country or

810
00:41:42,360 --> 00:41:44,920
Speaker 1: city that didn't do it on good debt. You cannot

811
00:41:45,000 --> 00:41:47,799
Speaker 1: succeed unless you understand how the system works, and you

812
00:41:47,880 --> 00:41:52,040
Speaker 1: need cheap access to good credit. Number three, you need

813
00:41:52,080 --> 00:41:56,440
Speaker 1: self esteem and confidence. Number well, Number three you need

814
00:41:56,560 --> 00:41:59,960
Speaker 1: we need family structure and resilience. Number three. Number four

815
00:42:00,040 --> 00:42:02,080
Speaker 1: you need self esteem and confidence. We just covered that.

816
00:42:03,000 --> 00:42:05,600
Speaker 1: Number five you need role models in the right environment.

817
00:42:06,000 --> 00:42:07,800
Speaker 1: So a lot of our kids want to be rastlars,

818
00:42:07,920 --> 00:42:10,560
Speaker 1: athletes and drug dealers with to the exclusion of everything else,

819
00:42:10,800 --> 00:42:13,720
Speaker 1: because it's all they see in our neighborhood as symbol

820
00:42:13,760 --> 00:42:16,400
Speaker 1: is a success. We're not dumbingware our stupid word brilliant.

821
00:42:16,440 --> 00:42:20,680
Speaker 1: We're modeling what we see. Let's give a kid something

822
00:42:20,680 --> 00:42:24,839
Speaker 1: different to see. Let's widen their aperture. Let's let's make

823
00:42:24,880 --> 00:42:28,359
Speaker 1: smart sexy again. Let's make forget black lives matter, Let's

824
00:42:28,360 --> 00:42:32,759
Speaker 1: make black capitalists matter. So so that's why I say

825
00:42:32,760 --> 00:42:35,640
Speaker 1: a black Jewish business plan. Number one way you do

826
00:42:35,800 --> 00:42:41,919
Speaker 1: wealth in America home ownership. What do we argue about

827
00:42:42,200 --> 00:42:45,200
Speaker 1: endlessly because we forty one percent of black people on

828
00:42:45,239 --> 00:42:47,920
Speaker 1: a home compared to seventy five percent of our mainstream

829
00:42:48,000 --> 00:42:51,120
Speaker 1: counterparts read white. The whole tax cod in America is

830
00:42:51,160 --> 00:42:54,840
Speaker 1: designed to support credits. Course, I'm sorry, dude, design to

831
00:42:54,880 --> 00:42:59,200
Speaker 1: support pome ownership. But we want to argue about John,

832
00:42:59,280 --> 00:43:00,880
Speaker 1: you know, and there's somebody probably in the chat right

833
00:43:00,920 --> 00:43:03,279
Speaker 1: now we are talking about.

834
00:43:03,320 --> 00:43:06,960
Speaker 6: We don't own the home. Debate owns a home if

835
00:43:07,000 --> 00:43:16,040
Speaker 6: you don't pay. I mean, I can go with this

836
00:43:16,080 --> 00:43:19,360
Speaker 6: all day. This I like Mathews, it doesn't have an opinion.

837
00:43:21,120 --> 00:43:23,480
Speaker 6: But but no one taught us this. I mean, this

838
00:43:23,520 --> 00:43:27,360
Speaker 6: is basic stuff. Three things have never gone down into value.

839
00:43:27,120 --> 00:43:31,440
Speaker 1: Stock market value, real estate values, and GDP of America

840
00:43:31,480 --> 00:43:33,719
Speaker 1: grows to mesic car and the history of America gone up.

841
00:43:33,760 --> 00:43:36,080
Speaker 1: There was a recession and received it and corrected above

842
00:43:36,080 --> 00:43:37,160
Speaker 1: the line every time.

843
00:43:45,320 --> 00:43:47,799
Speaker 2: But John Lemeski is But here's the thing, though, John,

844
00:43:48,440 --> 00:43:51,280
Speaker 2: You know, in order to really invest in the stock,

845
00:43:51,320 --> 00:43:53,440
Speaker 2: you got to have what we call disposable income.

846
00:43:53,800 --> 00:43:55,840
Speaker 1: If you you've in checked, if you live live in

847
00:43:55,920 --> 00:43:56,640
Speaker 1: check the check.

848
00:43:56,880 --> 00:43:58,640
Speaker 2: If you got to pay a mortgage or rent, and

849
00:43:58,680 --> 00:44:00,239
Speaker 2: you got to pay a card note and you to

850
00:44:00,239 --> 00:44:04,160
Speaker 2: play bills, that leaves you very little disposable income in

851
00:44:04,280 --> 00:44:07,080
Speaker 2: order to put into the market. So therefore they're why

852
00:44:07,440 --> 00:44:10,320
Speaker 2: like a lot of people that don't have disposable income,

853
00:44:10,600 --> 00:44:14,719
Speaker 2: it's hard for them to accumulate, forget generational wealth, just

854
00:44:14,880 --> 00:44:17,920
Speaker 2: enough thing that when they retire, because I ain't really counting, No,

855
00:44:18,040 --> 00:44:20,279
Speaker 2: I ain't really counting, no medicaid, medicare to take care of.

856
00:44:20,320 --> 00:44:20,879
Speaker 1: She had a shark.

857
00:44:21,080 --> 00:44:24,160
Speaker 2: So I'm just I'm just like, hey, that's gonna be overweight.

858
00:44:24,400 --> 00:44:26,919
Speaker 2: But when you don't, so how would one that has

859
00:44:27,080 --> 00:44:33,239
Speaker 2: very little or marginal disposable income accumulate something that when

860
00:44:33,320 --> 00:44:37,160
Speaker 2: when they retire, they have something. They have a nice

861
00:44:37,160 --> 00:44:40,360
Speaker 2: little nest egg. So you got you don't have a

862
00:44:40,400 --> 00:44:42,240
Speaker 2: self esteem problem?

863
00:44:42,400 --> 00:44:45,319
Speaker 1: Now, hell no, I love you. Won't have to follow

864
00:44:45,400 --> 00:44:46,640
Speaker 1: me when I say to you that what you just

865
00:44:46,640 --> 00:44:50,200
Speaker 1: said is wrong. Okay. Now, when it comes to professional

866
00:44:50,200 --> 00:44:52,120
Speaker 1: sports and the howards, I gotta come to you and

867
00:44:52,160 --> 00:44:54,640
Speaker 1: just shut up because I don't have no clue. Okay,

868
00:44:55,480 --> 00:44:58,640
Speaker 1: But there's occasionally occasionally I might have something that I

869
00:44:58,680 --> 00:45:01,680
Speaker 1: can give to you. This was a beautiful setup that

870
00:45:01,760 --> 00:45:06,200
Speaker 1: is just incorrect. My mother worked thirty two years and

871
00:45:06,280 --> 00:45:08,959
Speaker 1: McDonald Dollar's aircraft making fifteen dollars an hour. She died

872
00:45:09,960 --> 00:45:15,279
Speaker 1: September last with a million dollar network. She had bought

873
00:45:15,320 --> 00:45:17,600
Speaker 1: and sold seven homes. Her credit score like he was

874
00:45:17,640 --> 00:45:19,279
Speaker 1: eight fifty four, I believe it was. He used to

875
00:45:19,280 --> 00:45:22,920
Speaker 1: go over eight fifty. It was eight fifty four. So

876
00:45:22,560 --> 00:45:26,560
Speaker 1: when so when when somebody washing this says, well, Channing,

877
00:45:26,520 --> 00:45:27,920
Speaker 1: it just made a great point, And he didn't make

878
00:45:27,960 --> 00:45:30,080
Speaker 1: a great point. Here you go, I don't have any

879
00:45:30,360 --> 00:45:36,359
Speaker 1: disposable income. You went the Starbucks last week. Cigarettes. If

880
00:45:36,400 --> 00:45:38,759
Speaker 1: you go to smak Starbucks three times a week and

881
00:45:38,760 --> 00:45:41,480
Speaker 1: you've got a cigarette habit, that's six thousand dollars a year,

882
00:45:41,520 --> 00:45:43,600
Speaker 1: you're making thirty six thousan dollars a year. That's twenty

883
00:45:43,640 --> 00:45:46,200
Speaker 1: percent of your income. I'll let that sink in for

884
00:45:46,280 --> 00:45:49,359
Speaker 1: a minute. The cigarettes on the box says this shit

885
00:45:49,440 --> 00:45:52,000
Speaker 1: will kill you, like I don't know if I can

886
00:45:52,000 --> 00:45:54,080
Speaker 1: say that on your pocket. This stuff will kick you,

887
00:45:54,480 --> 00:45:57,480
Speaker 1: all right, So stop smoking cigarettes and go get you

888
00:45:57,480 --> 00:45:59,879
Speaker 1: a curity machine at all and make your own call.

889
00:46:00,560 --> 00:46:04,680
Speaker 1: You've now just recaptured three grand, two grand. Take that

890
00:46:04,719 --> 00:46:06,640
Speaker 1: put it into by the way, don't even do that,

891
00:46:06,800 --> 00:46:09,120
Speaker 1: just do just stop doing silly stuff like going on

892
00:46:09,120 --> 00:46:12,279
Speaker 1: a fat food restaurant every other night, cook something at home.

893
00:46:12,320 --> 00:46:15,000
Speaker 1: And by the way, Mike sixthen your life because you

894
00:46:15,040 --> 00:46:17,680
Speaker 1: cannot have a soul food diet for the rest of

895
00:46:17,719 --> 00:46:19,360
Speaker 1: your life. And lived at eighty years old. They're no

896
00:46:19,400 --> 00:46:21,800
Speaker 1: three hundred pounds eighty year olds. And that's a desire

897
00:46:21,840 --> 00:46:24,520
Speaker 1: to die. There's alight for slavery because they put them

898
00:46:24,600 --> 00:46:29,480
Speaker 1: anyway back to this point, they were, huh, you could eat.

899
00:46:29,640 --> 00:46:31,400
Speaker 2: You could eat like that when you in those fields

900
00:46:31,400 --> 00:46:33,040
Speaker 2: working fourteen hours a day.

901
00:46:33,239 --> 00:46:35,719
Speaker 1: You had to because they threw the They threw the

902
00:46:35,760 --> 00:46:38,200
Speaker 1: worst parts of the animal. I bat as a disrespect

903
00:46:38,239 --> 00:46:42,600
Speaker 1: to you. All you do is turn it into a delacy. Okay, grits, hogg, mass,

904
00:46:42,680 --> 00:46:46,800
Speaker 1: pig feet, fried chicken, ox tailed necktails. I love ox shells,

905
00:46:46,920 --> 00:46:48,920
Speaker 1: and you can do it. And we put salt on

906
00:46:48,960 --> 00:46:50,640
Speaker 1: all the meat so it didn't die in the heat.

907
00:46:50,840 --> 00:46:54,719
Speaker 2: All right, Yes, you had to carry it right right.

908
00:46:55,000 --> 00:46:59,479
Speaker 1: So I love soul food twice a month, not three

909
00:46:59,520 --> 00:47:03,680
Speaker 1: times a day. That's why black folks are inflamed. We're

910
00:47:03,719 --> 00:47:07,560
Speaker 1: not fat. We are inflamed. Seventy cercent of all disease.

911
00:47:07,680 --> 00:47:09,920
Speaker 1: My wife changes a well as expert to tell you

912
00:47:09,960 --> 00:47:14,960
Speaker 1: seventy virus of all disease lives on inflammation. Inflammation, what

913
00:47:15,080 --> 00:47:18,840
Speaker 1: is it comes from? Bad environment, bad food. Back to

914
00:47:18,880 --> 00:47:23,839
Speaker 1: this example, lit'st assume that you don't have about to say,

915
00:47:23,880 --> 00:47:29,600
Speaker 1: crack it happened. You don't have a Starbucks or cigarette alcohol. Yeah, listen,

916
00:47:29,600 --> 00:47:31,640
Speaker 1: you're gonna have that. You're just wasting a little bit

917
00:47:31,680 --> 00:47:33,719
Speaker 1: of money. Take twenty five dollars that you were going

918
00:47:33,760 --> 00:47:38,840
Speaker 1: to go spend whatever and do fractional share investment. Okay,

919
00:47:38,920 --> 00:47:41,840
Speaker 1: you can buy a fraction of one Buffet's company, a

920
00:47:41,920 --> 00:47:45,920
Speaker 1: twenty five dollars fraction of a share in Target, Tarja, Walmart,

921
00:47:46,320 --> 00:47:49,040
Speaker 1: you know, wherever you whatever, you're dressed in, whatever you like,

922
00:47:49,160 --> 00:47:51,880
Speaker 1: go buy that and do whatever you can for a

923
00:47:52,000 --> 00:47:54,120
Speaker 1: five dollars ten dollars one you can do a dollar

924
00:47:54,760 --> 00:47:57,920
Speaker 1: fractional share. Don't tell me what you cannot do. Earned it.

925
00:47:58,040 --> 00:48:00,239
Speaker 1: So somebody watching this, you about to give somebody some money.

926
00:48:01,080 --> 00:48:03,799
Speaker 1: Somebody watching this, I'm gonna say you got a check

927
00:48:03,840 --> 00:48:06,240
Speaker 1: coming to you because of Ocho Senko and Shannon Shark.

928
00:48:07,080 --> 00:48:10,279
Speaker 1: You got to check five, six, ten thousand, maybe twenty

929
00:48:10,320 --> 00:48:14,120
Speaker 1: thousand dollars. It's called the EITC. People are saying, what's

930
00:48:14,160 --> 00:48:17,640
Speaker 1: that the minute somebody in your chest says, what's that? Congratulations?

931
00:48:17,920 --> 00:48:19,719
Speaker 1: You make us in sixty thousand dollars a year, which

932
00:48:19,719 --> 00:48:22,040
Speaker 1: is half of this country. You just got a check

933
00:48:22,080 --> 00:48:24,600
Speaker 1: from the federal government through Shannon Shark and Ocho Sinko.

934
00:48:24,640 --> 00:48:27,440
Speaker 1: It's called the EITC. If you make thirty eight thousand

935
00:48:27,440 --> 00:48:29,080
Speaker 1: dollars a year, you live in a small town, you're

936
00:48:29,080 --> 00:48:32,360
Speaker 1: listening to this podcast, you have three children. The government

937
00:48:32,400 --> 00:48:34,400
Speaker 1: owes you a check for working. It's not a handout

938
00:48:35,239 --> 00:48:38,120
Speaker 1: for seventy five hundred dollars, about seven thousand, seventy five

939
00:48:38,160 --> 00:48:41,279
Speaker 1: hundred dollars. If you've never filed, it's retroacted for three years.

940
00:48:43,239 --> 00:48:46,680
Speaker 1: That's twenty grand One out of four Americans who qualified

941
00:48:46,680 --> 00:48:49,160
Speaker 1: for it never even asked for that's twenty billion dollars

942
00:48:49,200 --> 00:48:53,719
Speaker 1: a year. Shannon, Wow, that's black people. To be real clear,

943
00:48:53,840 --> 00:48:56,680
Speaker 1: that's us. We don't have a tax pro We don't

944
00:48:56,680 --> 00:48:59,839
Speaker 1: have anybody doing our taxes. So so, and if you're

945
00:49:00,280 --> 00:49:02,000
Speaker 1: for the same cause of a mortgage panic, you should

946
00:49:02,000 --> 00:49:05,720
Speaker 1: be owning in the house, rent to own your skipped

947
00:49:06,200 --> 00:49:08,400
Speaker 1: You're paying money uptown with people who don't like you

948
00:49:08,520 --> 00:49:09,840
Speaker 1: with money. If you don't have to buy something you

949
00:49:09,880 --> 00:49:11,719
Speaker 1: can't afford to be. It's a place that people don't

950
00:49:11,760 --> 00:49:15,160
Speaker 1: want you there in a doorman, in a house that

951
00:49:15,280 --> 00:49:20,960
Speaker 1: you're that I own. I'm the landlord. I'm literally the landlord.

952
00:49:21,080 --> 00:49:24,120
Speaker 1: I was. I found I'm the largest minority owner of

953
00:49:24,239 --> 00:49:27,000
Speaker 1: single family rental homes in America. Well, I was. I bought.

954
00:49:27,040 --> 00:49:29,360
Speaker 1: I brought this company, Promise Homes. Company owned seven hundred

955
00:49:29,440 --> 00:49:31,719
Speaker 1: homes between here and Florida. I sold most of the

956
00:49:31,760 --> 00:49:34,319
Speaker 1: company in twenty twenty one. And I did that over

957
00:49:34,440 --> 00:49:37,080
Speaker 1: five years. And I encourage people not to rent for me,

958
00:49:37,440 --> 00:49:41,040
Speaker 1: rent and get out, go buy a house. So it's

959
00:49:41,080 --> 00:49:46,000
Speaker 1: a misknower that you can't do this. Whether you believe

960
00:49:46,080 --> 00:49:47,799
Speaker 1: you can or whether you believe you can't, you're right.

961
00:49:49,040 --> 00:49:50,640
Speaker 1: Is a glass half full or is it a half empty?

962
00:49:50,680 --> 00:49:52,560
Speaker 1: Depends who looking at the glass. One thing I know

963
00:49:52,600 --> 00:49:56,719
Speaker 1: about you too, you're optimists. Over the round and through it.

964
00:49:56,760 --> 00:49:59,040
Speaker 1: You're gonna get to it. You're gonna run over somebody

965
00:49:59,280 --> 00:50:03,960
Speaker 1: to do it. Is that right? Yeah, that's exactly what

966
00:50:04,040 --> 00:50:07,279
Speaker 1: your listeners should be should be doing. Never say never,

967
00:50:07,480 --> 00:50:09,879
Speaker 1: don't say I can't do this. It's impossible because I'm

968
00:50:09,920 --> 00:50:12,520
Speaker 1: making a little money No, you got to have the

969
00:50:12,600 --> 00:50:16,680
Speaker 1: right habits. Most of success is hustle and good habits

970
00:50:17,200 --> 00:50:23,920
Speaker 1: and optimissle. Money's overrated. I never focus on money, and

971
00:50:23,960 --> 00:50:26,080
Speaker 1: I got more than I need. I never focus on it.

972
00:50:26,200 --> 00:50:28,960
Speaker 1: I think it was on passion, congress, authenticity, What I can,

973
00:50:29,080 --> 00:50:33,080
Speaker 1: what I I'm anyway, I'm trying. Look, I can move

974
00:50:33,120 --> 00:50:37,440
Speaker 1: somebody's credit score. Listening to you, who's making forty thousand

975
00:50:37,440 --> 00:50:39,320
Speaker 1: dollars a year. I can turn it into a homeowner

976
00:50:39,400 --> 00:50:41,120
Speaker 1: in a year. I can get your credit score up

977
00:50:41,160 --> 00:50:43,040
Speaker 1: in fifty four points in six months. To my whole

978
00:50:43,160 --> 00:50:45,520
Speaker 1: financial coaching, I can get your debt down thirty eight

979
00:50:45,640 --> 00:50:49,080
Speaker 1: hundred dollars, your savings up twelve hundred dollars in six

980
00:50:49,160 --> 00:50:50,880
Speaker 1: to eight months. I'm doing it through I have fifteen

981
00:50:50,960 --> 00:50:53,640
Speaker 1: hundred offices at Operation Hope that do financial coaching for

982
00:50:53,760 --> 00:50:56,680
Speaker 1: free inside of bank branches. So the bank then says

983
00:50:56,760 --> 00:51:00,359
Speaker 1: yes to you to become a home owner. I'm talking

984
00:51:00,400 --> 00:51:02,000
Speaker 1: theory to you, brother. I've done four and a half

985
00:51:02,160 --> 00:51:06,520
Speaker 1: billion dollars. I've invested four and a half billion dollars

986
00:51:07,120 --> 00:51:09,960
Speaker 1: in the black and brown neighborhoods through Operation Hope. With

987
00:51:10,000 --> 00:51:14,239
Speaker 1: the exact stuff we're talking about this is not theory. Joah.

988
00:51:14,600 --> 00:51:16,520
Speaker 2: If we'll get you out of here on this, what

989
00:51:16,719 --> 00:51:19,839
Speaker 2: would be your one what would be your one best

990
00:51:19,920 --> 00:51:22,520
Speaker 2: piece of advice you could give our chat tonight.

991
00:51:23,280 --> 00:51:27,319
Speaker 1: Get off your rear end and start complaining. Stop whining, race,

992
00:51:27,480 --> 00:51:31,200
Speaker 1: stop obsessing with stuff. Is like look, racism is like rain.

993
00:51:31,320 --> 00:51:34,680
Speaker 1: It's either fall in some place or it's gathering. So

994
00:51:34,800 --> 00:51:36,200
Speaker 1: get out of an umbrella and the color of your

995
00:51:36,239 --> 00:51:38,480
Speaker 1: life and starts throwing through it because it's not going

996
00:51:38,560 --> 00:51:41,080
Speaker 1: to change. It's been around since Jesus. It's not going

997
00:51:41,160 --> 00:51:44,279
Speaker 1: to change. So you must get your hand right, get

998
00:51:44,320 --> 00:51:46,600
Speaker 1: your mind right, get your spirit right, get your own

999
00:51:46,640 --> 00:51:49,880
Speaker 1: life right, get out of your own weight. Realize that

1000
00:51:50,000 --> 00:51:52,960
Speaker 1: you're God's child. If no one has these fingerprints, they're

1001
00:51:53,000 --> 00:51:55,960
Speaker 1: completely unique and near yours, and you could be great.

1002
00:51:56,880 --> 00:52:00,680
Speaker 1: You can beat o Cho Sinco and Shanna Sharp because

1003
00:52:00,719 --> 00:52:03,560
Speaker 1: they were warnt Sho. You can beat John O'Brien, you

1004
00:52:03,640 --> 00:52:07,000
Speaker 1: can beat Charlotte Maye, you can be Stephen a Smith.

1005
00:52:08,560 --> 00:52:12,799
Speaker 1: But there's no billionaire. There's no billionaire who was. There's

1006
00:52:12,840 --> 00:52:16,520
Speaker 1: no entertainer or no sports figure who's a billionaire who

1007
00:52:16,600 --> 00:52:20,440
Speaker 1: didn't do it by cross without crossing over in the business. Yeah,

1008
00:52:20,960 --> 00:52:23,680
Speaker 1: will you can't one hundred percent. You can't sell enough

1009
00:52:23,800 --> 00:52:28,319
Speaker 1: movie tickets or ticket our concert tickets of merchandise. E sir,

1010
00:52:28,880 --> 00:52:30,799
Speaker 1: you can't do it with the o Chasinko going back.

1011
00:52:30,880 --> 00:52:33,680
Speaker 1: Can't do it with that cash. Won't get there. You

1012
00:52:33,800 --> 00:52:38,960
Speaker 1: build Welson, your sleep, stocks, bonds, hall ownership, investments, businesses,

1013
00:52:39,320 --> 00:52:42,360
Speaker 1: one MBB an operation Hope. We created half a billion, sorry,

1014
00:52:42,840 --> 00:52:45,359
Speaker 1: a half a million black businesses since George Floyd's murder.

1015
00:52:45,920 --> 00:52:48,520
Speaker 1: I'm committed to create a million black businesses by twenty thirty.

1016
00:52:48,560 --> 00:52:52,080
Speaker 1: This is a Black Jewish business plan, right. And there's

1017
00:52:52,120 --> 00:52:54,640
Speaker 1: only three point one million black businesses in America. We've

1018
00:52:54,640 --> 00:52:56,680
Speaker 1: already created four than fifty thousand of them, just under

1019
00:52:56,680 --> 00:52:59,800
Speaker 1: five hundred thousand. That's twelve percent, give or take a

1020
00:53:00,080 --> 00:53:02,479
Speaker 1: of the national average. And I'm not going to stop

1021
00:53:02,520 --> 00:53:03,960
Speaker 1: because this is one of the ways that we can

1022
00:53:04,040 --> 00:53:08,879
Speaker 1: do well using our hustle, our talents. Don't just don't

1023
00:53:08,960 --> 00:53:11,680
Speaker 1: just stand on the mic. Own that damn thing. Don't

1024
00:53:11,800 --> 00:53:15,320
Speaker 1: want the mic. Own the mic rental company, Own the

1025
00:53:15,640 --> 00:53:18,920
Speaker 1: stage rental company on the part of the parties at

1026
00:53:18,960 --> 00:53:22,320
Speaker 1: the movie studio in the video shoot, Own the lighting system,

1027
00:53:22,360 --> 00:53:25,200
Speaker 1: that gets rented. Nobody these companies don't own that stuff.

1028
00:53:25,320 --> 00:53:29,600
Speaker 1: They rent that stuff. Be the rental company, the VP bracest,

1029
00:53:30,080 --> 00:53:32,839
Speaker 1: but own the company that prints those things and sell

1030
00:53:32,880 --> 00:53:35,040
Speaker 1: it to the nightclub. Stop being a fool going to

1031
00:53:35,080 --> 00:53:37,240
Speaker 1: the nightclubs made it five hundred dollars on a bottle

1032
00:53:37,360 --> 00:53:40,120
Speaker 1: champagne that costs him twenty five. Be the company it

1033
00:53:40,200 --> 00:53:42,279
Speaker 1: sells in the bottles. Don't go to the club. Own

1034
00:53:42,400 --> 00:53:46,840
Speaker 1: the club. I was with. I was with the Mike Maples,

1035
00:53:48,320 --> 00:53:51,279
Speaker 1: who's one of the top twenty venture capitals. I'm sorry,

1036
00:53:51,400 --> 00:53:55,800
Speaker 1: I'm pasted. Am I talking too much? Go ahead, Goddy?

1037
00:53:56,440 --> 00:53:58,160
Speaker 1: But my mother, Yeah, my mother always said, you know,

1038
00:53:58,200 --> 00:54:01,680
Speaker 1: wanna be the old guy guy in the club. Yeah,

1039
00:54:01,680 --> 00:54:04,480
Speaker 1: I'm gonna lead, right. So this guy named Mike Maples,

1040
00:54:06,280 --> 00:54:09,600
Speaker 1: he's a big venture capitalist in Silicon Valley. I was

1041
00:54:09,640 --> 00:54:12,279
Speaker 1: talking in one day. I said, Mike, tell me about

1042
00:54:12,280 --> 00:54:14,359
Speaker 1: your family. Oh, just a normal family. I'm i gonna

1043
00:54:14,400 --> 00:54:16,480
Speaker 1: answer you that. And she tell me about your family, Well,

1044
00:54:16,560 --> 00:54:19,960
Speaker 1: my dad worked for Microsoft. Okay, what are you doing Microsoft?

1045
00:54:19,960 --> 00:54:21,840
Speaker 1: Oh he works for Bill Gates. Let's look technically, everybody

1046
00:54:21,880 --> 00:54:27,440
Speaker 1: worked for Bill Gates. Hey, what did he do? By

1047
00:54:27,480 --> 00:54:29,000
Speaker 1: the way, we need a black Bill Gates as much

1048
00:54:29,000 --> 00:54:31,120
Speaker 1: as we need a black president, by the way, uh,

1049
00:54:31,200 --> 00:54:34,000
Speaker 1: because I would create more that will create other billionaires,

1050
00:54:34,080 --> 00:54:37,560
Speaker 1: other cent a millionaires, one hundred million, other multimillionaires, who

1051
00:54:37,640 --> 00:54:39,880
Speaker 1: then create philanthropy in their neighborhoods, who hire people who

1052
00:54:39,880 --> 00:54:42,160
Speaker 1: look like them, mentor people look like them. The cascade

1053
00:54:42,280 --> 00:54:44,480
Speaker 1: effect of that would be incredible. Back to this example.

1054
00:54:44,800 --> 00:54:47,160
Speaker 1: So I said, I worked for for for Bill Gates. Okay,

1055
00:54:47,360 --> 00:54:49,439
Speaker 1: I asked him for ten questions. If I said, well,

1056
00:54:49,480 --> 00:54:53,000
Speaker 1: he was a president of software. I said, hold, slow down.

1057
00:54:54,400 --> 00:54:57,800
Speaker 1: Did you just say your dad was in was the

1058
00:54:57,840 --> 00:55:01,600
Speaker 1: president of software and micros off, So he really didn't

1059
00:55:01,600 --> 00:55:04,759
Speaker 1: work for Bill Gates. Yeah, I said, you said your normal,

1060
00:55:04,840 --> 00:55:06,719
Speaker 1: Your life was normal. Tell me more. Tell me about

1061
00:55:06,719 --> 00:55:09,120
Speaker 1: your first business. Well, you know, my dad I started.

1062
00:55:09,160 --> 00:55:11,080
Speaker 1: There's no business. I forget what it was, you know,

1063
00:55:11,280 --> 00:55:14,320
Speaker 1: whatever newspaper business, whatever it was, I forget it was.

1064
00:55:14,400 --> 00:55:16,120
Speaker 1: He was twelve years old and he made this the

1065
00:55:16,120 --> 00:55:18,200
Speaker 1: biggest business in his neighborhood. And he went to his

1066
00:55:18,280 --> 00:55:20,719
Speaker 1: dad one day. Here's the point. He said, Dad, I'm

1067
00:55:20,760 --> 00:55:24,080
Speaker 1: so excited I have made this the biggest business our neighborhood.

1068
00:55:24,080 --> 00:55:29,480
Speaker 1: I'm gonna sell this business to Disney? Mindset. Mike Maypwell

1069
00:55:29,560 --> 00:55:34,120
Speaker 1: Senior said, I'm ashamed of you, son. We don't think

1070
00:55:34,280 --> 00:55:37,600
Speaker 1: like that in this household. I raised you better than that.

1071
00:55:38,440 --> 00:55:40,560
Speaker 1: I'm sitting scratching up my head, going, wait a minute.

1072
00:55:40,560 --> 00:55:42,960
Speaker 1: The kid just said, I'm a businessman. I'm gonna sell

1073
00:55:43,040 --> 00:55:46,120
Speaker 1: my business now Disney. He said, no, no, no, In

1074
00:55:46,160 --> 00:55:48,759
Speaker 1: this household, we don't build a business to sell it

1075
00:55:48,840 --> 00:55:53,680
Speaker 1: to Disney. We build a business to buy Disney. M Wow,

1076
00:55:56,080 --> 00:55:58,640
Speaker 1: drop the mic. What is Mike Mabel was doing today?

1077
00:55:59,120 --> 00:56:05,680
Speaker 1: Buying businesses? You model what you see, so we need to.

1078
00:56:06,120 --> 00:56:09,160
Speaker 1: We need to, We need to become what we want

1079
00:56:09,200 --> 00:56:11,759
Speaker 1: to see. Look anybody out there saying let's just give

1080
00:56:11,800 --> 00:56:13,880
Speaker 1: it away. Even if you want to distribute money like

1081
00:56:13,920 --> 00:56:16,840
Speaker 1: a socialist, you get a first collected like a capitalist.

1082
00:56:17,520 --> 00:56:20,360
Speaker 1: M m hm. So anybody out there who has a

1083
00:56:20,440 --> 00:56:22,319
Speaker 1: problem with what we've been saying in this last hour,

1084
00:56:22,640 --> 00:56:26,120
Speaker 1: let me say this to you. You try government, charity,

1085
00:56:26,480 --> 00:56:32,360
Speaker 1: you try social justice, you try guilt, you try whatever

1086
00:56:32,440 --> 00:56:35,120
Speaker 1: you tried. We've tried a bunch of self it ain't worked.

1087
00:56:36,480 --> 00:56:40,839
Speaker 1: Why don't you try capitalism? Hello, it seems to work

1088
00:56:40,920 --> 00:56:43,480
Speaker 1: for everybody else. Everybody who's tried to use free enterprise

1089
00:56:43,560 --> 00:56:50,840
Speaker 1: and capitalism to set themselves free have succeeded it. We're brilliant.

1090
00:56:51,080 --> 00:56:53,279
Speaker 1: Why can't we do it? We can, we just have

1091
00:56:53,520 --> 00:56:57,840
Speaker 1: never tried. That's what I'm teaching at scale. That's what

1092
00:56:57,960 --> 00:57:01,160
Speaker 1: you're doing. I listen you. You did a whole thing

1093
00:57:01,160 --> 00:57:04,200
Speaker 1: where you're talking about credit scores. When you I mean,

1094
00:57:04,200 --> 00:57:06,239
Speaker 1: I remember you said eight hundred do you don't eat not?

1095
00:57:06,360 --> 00:57:08,280
Speaker 1: Everybody was thinking, well, I want to be like Shannon,

1096
00:57:08,320 --> 00:57:11,080
Speaker 1: I need an eight hundred credit score. O Cho Sickle

1097
00:57:11,200 --> 00:57:13,880
Speaker 1: be dropping, be dropping some gems and you you asked me,

1098
00:57:14,000 --> 00:57:17,000
Speaker 1: you be weaving knowledge. Charlemagne is very good in this

1099
00:57:17,120 --> 00:57:21,760
Speaker 1: weaving knowledge and education into the entertainment. Mm hm, that's

1100
00:57:21,920 --> 00:57:31,240
Speaker 1: seedy at scale. We gotta make this mainstream right now. Dang, John,

1101
00:57:31,280 --> 00:57:33,439
Speaker 1: I appreciate you joining us tonight. That's what we're gonna

1102
00:57:33,480 --> 00:57:35,400
Speaker 1: do from time to time. Our job here at clubs

1103
00:57:35,520 --> 00:57:38,360
Speaker 1: at a nightcap is to not only entertain, That's what

1104
00:57:38,480 --> 00:57:41,040
Speaker 1: we do. We inform people about what transpired in me,

1105
00:57:41,360 --> 00:57:43,240
Speaker 1: in the game and so forth and so on, but

1106
00:57:43,320 --> 00:57:44,640
Speaker 1: we also like to educate people.

1107
00:57:44,920 --> 00:57:47,240
Speaker 2: We like people because we want to see our people

1108
00:57:47,320 --> 00:57:49,800
Speaker 2: succeed uh, And what better way to do it is

1109
00:57:49,840 --> 00:57:52,560
Speaker 2: that people that's been successful sometimes they get we gets

1110
00:57:52,640 --> 00:57:55,520
Speaker 2: redundant here from Ocho and I, and sometimes we need

1111
00:57:55,560 --> 00:57:58,160
Speaker 2: to bring a new voice in someone that succeeded on

1112
00:57:58,240 --> 00:58:00,840
Speaker 2: a grand or scale, that can speak to things that

1113
00:58:01,000 --> 00:58:04,280
Speaker 2: Ocho and I we need help understanding and talking about.

1114
00:58:04,600 --> 00:58:07,680
Speaker 2: So for you to come on tonight and educate our group,

1115
00:58:07,760 --> 00:58:09,960
Speaker 2: our chat, we greatly greatly appreciate that.

1116
00:58:10,960 --> 00:58:13,560
Speaker 1: Well, let me saying this. I think you're brilliant. I

1117
00:58:13,640 --> 00:58:16,640
Speaker 1: think what you've done here is brilliant. I think that

1118
00:58:16,720 --> 00:58:20,040
Speaker 1: you guys are a great partnership. You played very well

1119
00:58:20,120 --> 00:58:23,640
Speaker 1: on each other, and I think it's very elegantly done it.

1120
00:58:24,320 --> 00:58:27,920
Speaker 1: And I love seeing you Seane. I love seeing you succeed.

1121
00:58:28,320 --> 00:58:31,520
Speaker 1: And other people I know, Bishop TD Jakes and Charlemagne

1122
00:58:31,560 --> 00:58:33,760
Speaker 1: and Steven Asmith, they're all rooting for you. And that

1123
00:58:33,840 --> 00:58:36,080
Speaker 1: beautiful thing a black man loving on another black man

1124
00:58:36,280 --> 00:58:40,920
Speaker 1: and completely straight. Right. So your audience, I want you

1125
00:58:40,960 --> 00:58:43,560
Speaker 1: to hear now this last thing. Anybody, all of the

1126
00:58:43,680 --> 00:58:46,160
Speaker 1: most who want to be ball players and football God

1127
00:58:46,240 --> 00:58:50,000
Speaker 1: bless you, fantastic, no problem with but seventy percent of

1128
00:58:50,040 --> 00:58:53,080
Speaker 1: all those in the NBA seventy percent of all those

1129
00:58:53,160 --> 00:59:01,160
Speaker 1: in professional football bankrupt five years after retirement two two years.

1130
00:59:01,200 --> 00:59:03,200
Speaker 1: Excuse thank you, o Joe. You would know better than me.

1131
00:59:03,920 --> 00:59:06,360
Speaker 1: I would been conservative. And by the way, and then

1132
00:59:06,400 --> 00:59:11,880
Speaker 1: your wife leaves you. So this is if your alphologics

1133
00:59:11,920 --> 00:59:13,240
Speaker 1: need your inflow and your own ray is going to

1134
00:59:13,280 --> 00:59:15,160
Speaker 1: be a downfall. If you've made all this money your

1135
00:59:15,200 --> 00:59:17,080
Speaker 1: whole life and you're now used toole, fettering you for

1136
00:59:17,200 --> 00:59:21,240
Speaker 1: protecting you, serving you, giving you a paycheck, right, and

1137
00:59:21,320 --> 00:59:23,520
Speaker 1: then the paycheck stops with your lifestyle is at a

1138
00:59:23,560 --> 00:59:27,560
Speaker 1: point where the bills keep coming and everybody else around

1139
00:59:27,680 --> 00:59:30,280
Speaker 1: you expects you to fund their lifestyle, and you're not

1140
00:59:30,320 --> 00:59:32,480
Speaker 1: doing them a favor. By the way, all this posse

1141
00:59:32,800 --> 00:59:35,560
Speaker 1: that you're funding, you're not doing them a favor because

1142
00:59:35,560 --> 00:59:38,200
Speaker 1: they can't take care of themselves. You need people to

1143
00:59:38,280 --> 00:59:40,760
Speaker 1: be self reliant. Give them a hand up, not an

1144
00:59:40,920 --> 00:59:42,800
Speaker 1: health and then when when you need help, they can't

1145
00:59:42,840 --> 00:59:45,919
Speaker 1: come to help you. Cruise you the source. So we've

1146
00:59:45,960 --> 00:59:48,160
Speaker 1: got to get our line rights, because even when those

1147
00:59:48,200 --> 00:59:51,840
Speaker 1: who are succeeding at the top of their game aren't

1148
00:59:51,920 --> 00:59:56,800
Speaker 1: using an opportunity to turn an income into wealth that

1149
00:59:57,680 --> 01:00:00,640
Speaker 1: pays you when you sleep, so you can be ready. Jackson,

1150
01:00:01,880 --> 01:00:04,920
Speaker 1: you can be magic Johnson. You give me Michael Jordan,

1151
01:00:05,120 --> 01:00:07,480
Speaker 1: you can be Shannon's sharp. There's you know, there's a

1152
01:00:07,520 --> 01:00:10,800
Speaker 1: whole listening the folks that you've done is right. Hey, John,

1153
01:00:10,840 --> 01:00:14,000
Speaker 1: I need a couple of those cars that Richie got you.

1154
01:00:16,040 --> 01:00:20,560
Speaker 1: Reggie's falling man, Reggie is he is, He's funny. John,

1155
01:00:20,640 --> 01:00:22,760
Speaker 1: Thank you so much. I really appreciate that, man. I'll

1156
01:00:22,760 --> 01:00:24,000
Speaker 1: be in touch with you. You know, you and I

1157
01:00:24,160 --> 01:00:24,560
Speaker 1: we talked.

1158
01:00:24,760 --> 01:00:27,640
Speaker 2: We're gonna get together and do the have a chew

1159
01:00:27,720 --> 01:00:29,560
Speaker 2: the fat, sit down and do some business together.

1160
01:00:29,600 --> 01:00:29,680
Speaker 4: Bro.

1161
01:00:29,720 --> 01:00:32,040
Speaker 2: I really appreciate what you're doing for our community and

1162
01:00:32,280 --> 01:00:35,360
Speaker 2: uh and and part and partaking wisdom on our chat tonight.

1163
01:00:35,440 --> 01:00:38,880
Speaker 1: So I greatly appreciate that. Man. My my pleasure sending

1164
01:00:38,880 --> 01:00:40,920
Speaker 1: you loving light everybody. Go out and get financial literacy

1165
01:00:41,000 --> 01:00:42,560
Speaker 1: for all is my newest book, Piece of Light, and

1166
01:00:42,600 --> 01:00:44,360
Speaker 1: go get it. Go get an operational counseling. I'll give

1167
01:00:44,360 --> 01:00:46,480
Speaker 1: you one thousand dollars free scholarships to go to the

1168
01:00:46,520 --> 01:00:48,840
Speaker 1: operation show get year's worth of coaching and counseling. So

1169
01:00:48,840 --> 01:00:50,800
Speaker 1: I don't say that Shannon didn't do it anymore. You, Shannon,

1170
01:00:50,840 --> 01:00:56,800
Speaker 1: and thank you boss. You appreciate that. That was a

1171
01:00:57,680 --> 01:01:02,120
Speaker 1: John O'Briant. He's brilliant. I mean the way he can

1172
01:01:02,240 --> 01:01:03,960
Speaker 1: lay out, the way he can explain it to you

1173
01:01:05,640 --> 01:01:07,200
Speaker 1: what you should buy, and that's what you have to do.

1174
01:01:07,320 --> 01:01:08,840
Speaker 1: You know, people like, but I ain't got no money.

1175
01:01:09,240 --> 01:01:09,680
Speaker 1: It's funny.

1176
01:01:09,680 --> 01:01:11,000
Speaker 2: You ain't got no money, but you got money to

1177
01:01:11,040 --> 01:01:13,600
Speaker 2: stop by Starbucks drive through every day and buy a

1178
01:01:13,680 --> 01:01:15,400
Speaker 2: five dollars or a seven dollars LA take.

1179
01:01:15,680 --> 01:01:17,919
Speaker 1: Yeah, and you got money to do that. You got money.

1180
01:01:18,000 --> 01:01:20,840
Speaker 2: You got money to go on all these vacations. I've

1181
01:01:20,920 --> 01:01:24,240
Speaker 2: never understood borring money to go on a vacation. I

1182
01:01:24,360 --> 01:01:27,120
Speaker 2: never understood that on Joe. Maybe that's just me. I'm

1183
01:01:27,160 --> 01:01:29,920
Speaker 2: not gonna go if I can't go and pay for it,

1184
01:01:30,000 --> 01:01:31,520
Speaker 2: I'm not finna go into adapt.

1185
01:01:31,280 --> 01:01:31,600
Speaker 1: To do it.

1186
01:01:32,000 --> 01:01:33,920
Speaker 4: Yeah, and you know one of the things I've always had.

1187
01:01:34,000 --> 01:01:35,520
Speaker 4: You noticed, I know you were talking about you don't

1188
01:01:35,520 --> 01:01:38,680
Speaker 4: go on vacation. But I also don't go on vacation

1189
01:01:38,800 --> 01:01:40,720
Speaker 4: until I put in some type of work. I see,

1190
01:01:40,720 --> 01:01:43,040
Speaker 4: if people listen, there's nothing wrong with that. There's nothing

1191
01:01:43,080 --> 01:01:45,000
Speaker 4: wrong with that. Just my mindset is a little different.

1192
01:01:45,480 --> 01:01:48,200
Speaker 4: Unless I when I think about going on vacation, vacation

1193
01:01:48,360 --> 01:01:51,040
Speaker 4: to me, the reason for going on vacation is because

1194
01:01:51,040 --> 01:01:53,040
Speaker 4: I put in a certain amount of work and the

1195
01:01:53,120 --> 01:01:54,200
Speaker 4: body needs to reset.

1196
01:01:55,200 --> 01:01:56,360
Speaker 1: I need to have a.

1197
01:01:57,880 --> 01:02:01,360
Speaker 4: Mental lapse of just of calmness and piece. Yes, I

1198
01:02:01,480 --> 01:02:03,160
Speaker 4: just go on a vacation. Just be going on vacation,

1199
01:02:03,360 --> 01:02:05,880
Speaker 4: Just take pictures and have fun. I never saw the

1200
01:02:06,000 --> 01:02:09,480
Speaker 4: point in that, but that is me personally. Can I

1201
01:02:09,520 --> 01:02:12,120
Speaker 4: ask you a question, how can I go on vacation

1202
01:02:12,560 --> 01:02:14,360
Speaker 4: and I'm worried the whole time? How the hell I'm

1203
01:02:14,360 --> 01:02:18,600
Speaker 4: gonna pay for this? That ain't no, That ain't no

1204
01:02:18,680 --> 01:02:21,240
Speaker 4: piece o choke. I mean, I gotta get away, like

1205
01:02:21,840 --> 01:02:23,760
Speaker 4: I ain't got a worry in the world. I know

1206
01:02:23,880 --> 01:02:25,720
Speaker 4: when I get back, I still got I got my

1207
01:02:25,840 --> 01:02:28,360
Speaker 4: mortgage is gonna be paid, the car payment's gonna be paid,

1208
01:02:28,760 --> 01:02:31,080
Speaker 4: X amount of money going to save it. Y'alla, YadA, YadA.

1209
01:02:31,360 --> 01:02:35,160
Speaker 4: I don't have to worry about paying for this vacation.

1210
01:02:35,560 --> 01:02:37,800
Speaker 2: If I'm on the vacation and I was like, oh, Lord,

1211
01:02:37,840 --> 01:02:41,440
Speaker 2: have mercy, I probably showed probably shit to come.

1212
01:02:41,600 --> 01:02:44,160
Speaker 1: And I hear people say, oh, I don't know how

1213
01:02:44,160 --> 01:02:45,840
Speaker 1: will pay for this? But I worry about that later.

1214
01:02:46,080 --> 01:02:50,320
Speaker 2: Huh yeah, you think that that charge is gonna magically

1215
01:02:50,400 --> 01:02:53,840
Speaker 2: disapprow on your credit card? And the charge I don't

1216
01:02:53,840 --> 01:02:55,480
Speaker 2: know what credit card rate is because I pay all

1217
01:02:55,560 --> 01:02:57,200
Speaker 2: my probably what what's credit card rate?

1218
01:02:57,280 --> 01:02:59,920
Speaker 1: Fifteen twenty percent? And you pay?

1219
01:03:00,240 --> 01:03:02,480
Speaker 2: You got a five ten thousand dollars credit card and

1220
01:03:02,520 --> 01:03:06,680
Speaker 2: you send in two all the money. What the hell

1221
01:03:06,720 --> 01:03:09,080
Speaker 2: you gonna do? You'll kid somebody else gonna be paying

1222
01:03:09,120 --> 01:03:09,440
Speaker 2: that off.

1223
01:03:10,040 --> 01:03:10,280
Speaker 1: Listen.

1224
01:03:10,880 --> 01:03:12,720
Speaker 4: It all starts of one of the key things that

1225
01:03:12,800 --> 01:03:14,960
Speaker 4: he did say that I always talk about, I mean

1226
01:03:15,000 --> 01:03:17,160
Speaker 4: those that have followed me throughout the years. I always

1227
01:03:17,160 --> 01:03:20,160
Speaker 4: talk about financial literacy and having having a discipline. If

1228
01:03:20,160 --> 01:03:22,080
Speaker 4: you don't have discipline, it doesn't matter what about the

1229
01:03:22,120 --> 01:03:25,400
Speaker 4: money they give you. You're gonna run through Gone, You're

1230
01:03:25,400 --> 01:03:27,600
Speaker 4: gonna run through it. That's why that argument on Twitter

1231
01:03:27,720 --> 01:03:29,840
Speaker 4: happens every every so often. Well, if you've been talking

1232
01:03:29,840 --> 01:03:32,320
Speaker 4: about credit store and a certain amount of money, and

1233
01:03:32,440 --> 01:03:34,800
Speaker 4: I see all the Twitter go with, oh, I want

1234
01:03:34,880 --> 01:03:36,640
Speaker 4: this amount of money because where it is, I'm gonna

1235
01:03:36,640 --> 01:03:38,040
Speaker 4: just pay it off and then I'm gonna flip it

1236
01:03:38,080 --> 01:03:40,240
Speaker 4: and I'm gonna do this. It got all these ideas

1237
01:03:40,360 --> 01:03:43,000
Speaker 4: not really understand it. That's not how it works.

1238
01:03:43,280 --> 01:03:44,680
Speaker 2: Oh Joe, remember I told you the store I was

1239
01:03:44,720 --> 01:03:47,320
Speaker 2: in the NFL. If my credit was so bad, I

1240
01:03:47,320 --> 01:03:48,080
Speaker 2: couldn't get a car.

1241
01:03:48,880 --> 01:03:51,280
Speaker 1: Oh yeah, yeah, yeah, yeah, yeah yeah yeah, pride example,

1242
01:03:52,360 --> 01:03:53,160
Speaker 1: I couldn't get a car.

1243
01:03:54,720 --> 01:03:57,280
Speaker 2: And so I mean, now, if you got if you

1244
01:03:57,360 --> 01:04:00,440
Speaker 2: want to pay cash from everything, they're graciously accept it.

1245
01:04:01,880 --> 01:04:04,200
Speaker 1: But nah, if I got that got of cash, I'm

1246
01:04:04,200 --> 01:04:04,880
Speaker 1: gonna put it away.

1247
01:04:05,240 --> 01:04:07,000
Speaker 2: I want to put a large portion of the way

1248
01:04:07,040 --> 01:04:08,960
Speaker 2: and let it work for me because I know I'm

1249
01:04:08,960 --> 01:04:10,720
Speaker 2: gonna get somewhere between four and eight percent.

1250
01:04:11,280 --> 01:04:13,920
Speaker 1: Yeah, I ain't trying to I ain't trying to pay

1251
01:04:14,000 --> 01:04:14,240
Speaker 1: no car.

1252
01:04:14,240 --> 01:04:15,840
Speaker 2: I ain't trying to put two one thousand dollars play

1253
01:04:15,880 --> 01:04:17,600
Speaker 2: a car for in two hundred thousand dollars, or having

1254
01:04:17,600 --> 01:04:20,360
Speaker 2: a car called thirty thousand, forty thousand, or pay or

1255
01:04:20,400 --> 01:04:21,760
Speaker 2: I want to get a house, im I gotta pay

1256
01:04:21,800 --> 01:04:23,560
Speaker 2: for the whole house, play it off, or how to

1257
01:04:23,600 --> 01:04:28,160
Speaker 2: get some nah hell nah no, that's just me. But John,

1258
01:04:28,200 --> 01:04:31,200
Speaker 2: we really appreciate you. Hopefully chat you enjoyed that conversation

1259
01:04:31,600 --> 01:04:35,160
Speaker 2: about how to you know, financial, be financially and physically

1260
01:04:35,280 --> 01:04:37,760
Speaker 2: responsible because at the end of the day. Ain't nobody

1261
01:04:37,800 --> 01:04:40,840
Speaker 2: coming to save you. Now, you can hope. You can hope,

1262
01:04:41,200 --> 01:04:45,000
Speaker 2: and we're not doing political Ay. I've made peace with

1263
01:04:45,160 --> 01:04:48,760
Speaker 2: the decision that the American public made on November, that second,

1264
01:04:48,920 --> 01:04:51,880
Speaker 2: that second Tuesday in November. I've made peace with that.

1265
01:04:53,720 --> 01:04:56,440
Speaker 2: I ain't I ain't finna work my nerves up. These

1266
01:04:56,520 --> 01:04:58,840
Speaker 2: four years gonna go by the breeze, just like the

1267
01:04:58,920 --> 01:05:02,200
Speaker 2: last four years and four years before that. So y'all

1268
01:05:02,240 --> 01:05:03,760
Speaker 2: can get all up saying and talk about, Oh, I

1269
01:05:03,760 --> 01:05:05,480
Speaker 2: don't know what I'm gonna do. I know what I'm

1270
01:05:05,480 --> 01:05:08,400
Speaker 2: gonna do. I'm gonna keep my head down. I'm gonna

1271
01:05:08,480 --> 01:05:10,960
Speaker 2: keep my earars closed, and I'm gonna go to work.

1272
01:05:12,000 --> 01:05:13,680
Speaker 2: That's what I'm gonna do. Now, I don't know what

1273
01:05:13,840 --> 01:05:15,479
Speaker 2: y'all gonna do, but i'm gonna tell you what Shannon

1274
01:05:15,560 --> 01:05:17,840
Speaker 2: Sharm's gonna do. That's what I'm gonna do. And when

1275
01:05:17,880 --> 01:05:20,400
Speaker 2: these four years is up, I'm gonna look up. There's

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01:05:20,400 --> 01:05:22,240
Speaker 2: gonna be somebody to come in make a whole lot

1277
01:05:22,280 --> 01:05:24,919
Speaker 2: of promises and they don't deliver. Some people are gonna

1278
01:05:24,920 --> 01:05:27,400
Speaker 2: get delivered up. That's gonna get delivered on, and some

1279
01:05:27,520 --> 01:05:31,240
Speaker 2: people are not. But y'all keep worrying about this. I

1280
01:05:31,280 --> 01:05:33,720
Speaker 2: ain't worried about it. I can't. I can't, I can't

1281
01:05:33,720 --> 01:05:36,760
Speaker 2: work my nerves up. I've made peace with it, no yoke.

1282
01:05:37,000 --> 01:05:38,040
Speaker 2: I think they should also