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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

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Speaker 1: accused of murdering a Texas man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan. These are just

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Speaker 1: some of the heinous migrant criminals caught because of President

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Speaker 1: Donald J.

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Speaker 2: Trump's leadership.

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Speaker 1: I'm Christy nom the United States Secretary of Homeland Security.

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Speaker 1: Under President Trump, attempted illegal border crossings are at the

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Speaker 1: lowest levels ever recorded, and over one hundred thousand illegal

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Speaker 1: aliens have been arrested. If you are here illegally, your

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Speaker 1: next you will be fined nearly one thousand dollars a day, imprisoned,

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Speaker 1: and deported.

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Speaker 2: You will never return.

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Speaker 1: But if you register using our CBP home app and

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Speaker 1: leave now, you could be allowed to return legally. Do

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Speaker 1: what's right.

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Speaker 2: Leave now.

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Speaker 1: Under President Trump, America's laws, border and families will be protected.

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Speaker 3: Sponsored by the United States Department of Homeland Security.

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Speaker 4: Sometimes we have this mindset that it's an either or,

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Speaker 4: So if someone wants to do corporate.

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Speaker 2: Almost be an entrepreneur, you could do that corporate thing.

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Speaker 2: Is it just me?

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Speaker 4: Nobody says that you know, right, yep, you right, you know,

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Speaker 4: it's like yeah.

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Speaker 2: And I again, I operate. It's a wee thing.

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Speaker 4: I want more entrepreneurs. I want more people in corporate America.

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Speaker 4: I want people participating in the political environment. I want

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Speaker 4: people to be passionate about giving back in philanthropy and activism.

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Speaker 4: The reason why I just share that is because this

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Speaker 4: through line that I'm going to answer, it has nothing

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Speaker 4: to do with your rented vision. It has everything to

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Speaker 4: do with your ownable assets. And whether I am in

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Speaker 4: corporate America or an entrepreneur, I'm still operating with ownable assets.

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Speaker 5: Well, first and foremost, thank you to Tia Kraft for

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Speaker 5: putting this together.

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Speaker 6: And thank you for sure.

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Speaker 5: We've been running each other for a long time, so

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Speaker 5: it's good that we actually now have an opportunity to

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Speaker 5: have a conversation that we've been looking forward to for

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Speaker 5: a very long period of time.

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Speaker 6: So thank you for being generous with your time.

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Speaker 7: And I told you this backstage, but every time we

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Speaker 7: run into each other, and I think it's important that

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Speaker 7: you hear this and everybody here is that you've always

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Speaker 7: found a way to pour into us, encourage us to

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Speaker 7: do more. And so that's always given us fuel, right

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Speaker 7: watching somebody and you know where you're at in your career,

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Speaker 7: to see us and see the work we're doing and

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Speaker 7: understanding the importance of it, but to recognize it and

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Speaker 7: to pour into us to say this.

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Speaker 6: More and how can I help be greatly appreciate it?

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Speaker 6: So thank you again? Yeah, So I want to start.

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Speaker 5: So you know, I think your accomplishments shouldn't be minimized

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Speaker 5: as far as you know, being the CEO of a

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Speaker 5: company that manages over one point two trillion dollars.

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Speaker 6: For sure.

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Speaker 5: I believe the only black seover fortune one hundred company.

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Speaker 5: I think there's only been three in history when it

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Speaker 5: comes to a fortune of five hundred companies. So you're

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Speaker 5: in very rare air and you don't really have many

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Speaker 5: if you don't have any payers, So what is your

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Speaker 5: journey to get to where you are now? And they

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Speaker 5: used to work for Chase and you know a couple

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Speaker 5: other institutions. So there's a lot of young people in

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Speaker 5: the audience and I'm sure in a lot of times

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Speaker 5: they hear you know these things, but what are the

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Speaker 5: actionable items?

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Speaker 6: What's your path that you took to become a CEO?

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Speaker 6: Of correct.

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Speaker 2: Well, first, it's just such a privilege to.

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Speaker 4: These two amazing men that are making impact around the

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Speaker 4: world to ensure that millions of people.

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Speaker 2: Can earn their leisure. You all give them another round

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Speaker 2: of apply.

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Speaker 4: We were talking in order to make impact, you have

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Speaker 4: to disrupt, and if you're not disrupting, then you're not

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Speaker 4: shifting the game. And I just have a lot of

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Speaker 4: gratitude to see what you all are doing, and it's

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Speaker 4: inspiring to see how you are connected with young people

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Speaker 4: and giving them a different narrative on how to make

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Speaker 4: sure that they can grab the bag and keep the

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Speaker 4: bag and see the bag compound.

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Speaker 2: So in terms of my story, I want to take

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Speaker 2: it back because I think it's important for all of

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Speaker 2: you to.

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Speaker 4: Have contexts, especially in this environment. I know, at a

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Speaker 4: very young age it was clear to me that I

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Speaker 4: am on the shoulders of giants. I understand that my intellect,

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Speaker 4: my passion, and my vision was not necessarily sufficient to

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Speaker 4: be here. There had to be so many people that

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Speaker 4: paved away and cracked ceilings for me to be in

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Speaker 4: this seat. And so I am absolutely grounded in the understanding,

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Speaker 4: and I like to say that it doesn't escape.

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Speaker 2: Me in corporate America.

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Speaker 4: That it was the cooks, the janitors, and the secretaries

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Speaker 4: that introduced my g in, my melanin to corporate America.

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Speaker 4: And so the reason why I share that context is

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Speaker 4: in the words of Otis Brown. People may see your glory,

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Speaker 4: but they don't know your story. It's important to make

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Speaker 4: sure that you see people and understand that there were

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Speaker 4: people that may not have this amazing rented title that

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Speaker 4: paved the way for me to exist.

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Speaker 2: That's less than one.

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Speaker 4: Be grounded in contexts, especially in your history, and let

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Speaker 4: your history fuel your passion in terms of how I

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Speaker 4: got here. That's step one. Step two is Otis and

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Speaker 4: Rosie Brown. When you have a father who worked in

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Speaker 4: a warehouse, scanning boxes and driving trucks, and you have

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Speaker 4: a mother who's an educator, when you understand that you

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Speaker 4: are first generation integration. My parents grew up in this

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Speaker 4: segregated South. But Otis Brown told me at a very

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Speaker 4: young age to reach for the moon because even if

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Speaker 4: you miss, you would be among the stars. This is

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Speaker 4: a man that scanned boxes. So in order to be

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Speaker 4: in this seat, not understanding what that fully meant, I

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Speaker 4: just knew that my dad had an expectation that he

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Speaker 4: didn't even understand what that could realize. Values My mother

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Speaker 4: angered me and my character and my faith and making

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Speaker 4: sure that I understood that you should see everyone. And

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Speaker 4: how can I only always look for someone that has

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Speaker 4: a rented title when the people that inspired me grew

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Speaker 4: up in the segregated South, and when a man who

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Speaker 4: is my hero did not have a college education. The

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Speaker 4: reason why I share this as it relates to my

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Speaker 4: business journey is because so many times, when you reach

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Speaker 4: a level of success, you tend to start your journey

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Speaker 4: with your first career, or you start your journey with

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Speaker 4: where you graduated.

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Speaker 2: But I want to start my journey with the truth.

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Speaker 4: And the truth is I'm on the shoulders of giants.

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Speaker 4: The truth is a man who did not have an

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Speaker 4: education but was brilliant has a lot to do with

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Speaker 4: why am I here today?

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Speaker 2: Fast forward? I love sports.

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Speaker 4: Sports played a really important role in my life. You know,

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Speaker 4: on any given day, everyone plays a role grit, tenacity, teamwork, perseverance,

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Speaker 4: and so this mindset of teamwork really played a role

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Speaker 4: in my life as someone who played basketball and played

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Speaker 4: volleyball and really was surrounded by brothers that played sports.

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Speaker 4: So what shifted for me the power of information. There

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Speaker 4: is a woman and man by the name of mister

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Speaker 4: and Miss Patterson, and they told me about in Roads.

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Speaker 4: Anyone familiar with Inroads, okay, I am a product of Inroads.

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Speaker 4: For those of you who do not know, in Roads

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Speaker 4: is a program that provides students exposure to corporate America,

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Speaker 4: especially underrepresented groups. And so without the power of information,

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Speaker 4: I never even heard the word corporate America. And so

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Speaker 4: I share that as an insight because you all are

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Speaker 4: getting information every day at your university, give it away freely.

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Speaker 4: The power of information led me to being in this chair.

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Speaker 4: The second piece that changed the course of my life

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Speaker 4: within information was the power of advocacy. So with Inroads,

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Speaker 4: they basically interview you companies then decide they want one

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Speaker 4: intern or ten, and accompanyed by the name of Fanny

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Speaker 4: May that's in the housing sector, had one intern. And

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Speaker 4: when they interviewed me in a host of other students,

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Speaker 4: they chose their one intern.

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Speaker 2: And who do you think it was? Who? No, her

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Speaker 2: name was Sarah, But.

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Speaker 4: A woman by the name of Valerie Manning, who was

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Speaker 4: there to interview students, went back and said these words

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Speaker 4: that changed my life.

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Speaker 2: But there's this other girl.

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Speaker 4: The reason, yes, the reason why I share this story

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Speaker 4: is because Valerie Manning did not have this massive title.

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Speaker 4: You did not get extra credit for saying, let me

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Speaker 4: give you another intern.

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Speaker 2: But for whatever reason.

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Speaker 4: Valerie Manning advocated for me when I didn't even understand.

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Speaker 2: What advocacy was about.

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Speaker 4: And because Valerie Manning said, but there's this other girl,

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Speaker 4: Fanny May added the second intern. And that was my

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Speaker 4: introduction into corporate America. And I worked there for many

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Speaker 4: years and then an opportunity came to join JP Morgan Chase,

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Speaker 4: and so I joined JP Morgan Chase.

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Speaker 2: I had many jobs.

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Speaker 4: I moved moved, starting in mortgage because that was my passion.

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Speaker 2: I moved around.

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Speaker 4: I ended up running the entire mortgage mortgage sales team,

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Speaker 4: and then I was tapped to be the CEO of Auto,

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Speaker 4: first African American woman or first African American to run

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Speaker 4: a line of.

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Speaker 2: Business at the company.

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Speaker 4: I then moved into becoming the CEO of the Consumer Bank,

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Speaker 4: and then an opportunity came for me to lead TIAA.

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Speaker 4: And so the message here is information, give it away freely,

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Speaker 4: because you could be given information to a young girl

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Speaker 4: that would become the first woman.

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Speaker 2: CEO of TIAA. You could be given.

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Speaker 4: Information to someone that just continued to make history. Give

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Speaker 4: away information and then advocacy. Do not wait for your

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Speaker 4: rented title to feel like you have power. You have

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Speaker 4: power to advocate and always be okay advocating even when

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Speaker 4: someone is not asking for you to advocate or may

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Speaker 4: not even understand it. You may be the reason that

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Speaker 4: history is made. And so for that I'm incredibly grateful

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Speaker 4: And here I am today.

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Speaker 7: Yes yes, yes, yes, so you are here and you

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Speaker 7: are a first one of two CEO females a fortune

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Speaker 7: five hundred company, and being first there comes a certain

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Speaker 7: level of I guess the word you use backstage was

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Speaker 7: vulnerability and their scrutiny and it's complexities that come with that.

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Speaker 7: So how have you managed that throughout your career? Because

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Speaker 7: it's not easy to be the first one in a

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Speaker 7: space where you don't have contemporaries, you don't have anybody

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Speaker 7: that kind of looks like you or it looks like you.

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Speaker 7: And who do you know as your trust circle? Who

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Speaker 7: do you find as somebody that you can rely on

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Speaker 7: for information? How do you know who has your best interest?

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Speaker 2: Like?

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Speaker 6: What are these complexities like for you in that space.

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Speaker 2: Wow, So y'all ready to unpack this.

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Speaker 6: Let's do it.

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Speaker 2: Let's do it.

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Speaker 4: The first thing that I would say to you is

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Speaker 4: again something that I really believe in. I always say publicly,

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Speaker 4: I rent my title. I own my character, and so

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Speaker 4: understanding that I am the first, I also understand that

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Speaker 4: it's rented. And the reason why I say that is

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Speaker 4: so important is because I show up with my character

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Speaker 4: because I own that, and that gives me confidence, It

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Speaker 4: gives me swagger, it gives me something that no one

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Speaker 4: can take away from me. Because my character is perseverance,

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Speaker 4: it's grit, it's tenacity, it's understanding history, it's being humble

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Speaker 4: yet confident. It's understanding that it's a we thing. That

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Speaker 4: I do nothing by myself, and so that to me

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Speaker 4: is so important. When you're stepping into rooms where you're

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Speaker 4: the only or you're stepping into environments where you will

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Speaker 4: be the first, I also have this mindset that I

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Speaker 4: am never by myself, and when I walk into a room,

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Speaker 4: I'm like, come on, Shirley, come on, Harriet, come on,

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Speaker 4: Rosie Brown, come on, Madison Duckett, McKenzie Ducket. My point

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Speaker 4: is Sometimes when you are in a room and you

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Speaker 4: are the only one, sometimes you have to know that

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Speaker 4: you're not, that there is an army and there is

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Speaker 4: history that is cheering you on, and so put your

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Speaker 4: shoulders back and say, I'm in this room because I

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Speaker 4: belong and I have something to say and I have

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Speaker 4: value to add. You have to pour on yourself because

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Speaker 4: sometimes in these roles people are not pouring on you

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Speaker 4: and everyone is not rooting for you. Next, who are

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Speaker 4: you surrounding yourself with? You cannot be the first and

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Speaker 4: stay if you are not building a powerful moat of

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Speaker 4: individual leaders that align with your vision, that are clear

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Speaker 4: on their assignment and their contribution and are saying we

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Speaker 4: want to go on this journey with you. Because therefore,

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Speaker 4: in order to have staying power, you have to make

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Speaker 4: sure that you're surrounding yourself with people that understands your

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Speaker 4: minor to your major, that will give you insight and

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Speaker 4: perspective to make sure that there's something that you may

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Speaker 4: need to know and here's how or I can take

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Speaker 4: care of this, because if not, you can be walking

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Speaker 4: in into an environment where you think you can do

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Speaker 4: it all yourself and you're just walking onto goal. You

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Speaker 4: know land mines every step of the way. So surround

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Speaker 4: yourself with people that have same values, different perspectives, different

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Speaker 4: mindset and empower them and unlock them. Let thoroughbds run.

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Speaker 4: Do not be afraid. That's very important. And then lastly,

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Speaker 4: as a leader, I would say, it's not easy. It's

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Speaker 4: not easy when you are the first of anything, and

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Speaker 4: clearly you know being the first as an African American,

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Speaker 4: as a woman, people will have their own mindset on

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Speaker 4: why you're in the seat. And so something that Rosie

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Speaker 4: Brown told me at a very young age is when

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Speaker 4: someone is talking about you or have a view about

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Speaker 4: you that is not true. It is like someone sending

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Speaker 4: something into the mail for you that does not have

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Speaker 4: your name on it, and what do you do?

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Speaker 2: You return it to sender.

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Speaker 4: And so when people may look at me and say

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Speaker 4: why are you here? You know what program or what this,

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Speaker 4: I just say they're lazy. They did not do their homework.

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Speaker 4: They did not see that I have three degrees. They

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Speaker 4: did not see the performance or the track record, They

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Speaker 4: did not see the ability to recruit and retain amazing talent.

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Speaker 4: So they are lazy in their research, which I would

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Speaker 4: take pause if they're lazy in their research.

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Speaker 2: And so my point to all of you is that

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Speaker 2: it is not easy.

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Speaker 4: It's not easy to be and it's not easy to

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Speaker 4: not just be the first, but to be someone that

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Speaker 4: wants to make impact, to be someone that sees everyone

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Speaker 4: in a room and want to unlock everyone's talent.

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Speaker 2: That's not easy. But when you know that you are

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Speaker 2: here for a reason, and when you.

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Speaker 4: Know that the assignment is not the rented title, the

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Speaker 4: assignment is impact, then you align yourself with wonderful people.

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Speaker 4: You're clear on the vision for the company. You deliver

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Speaker 4: those results for the company, but you also look at

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Speaker 4: the way in which we will deliver a results will

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Speaker 4: be lasting impact. And I think that's really important for me,

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Speaker 4: And it's important to make sure that I'm surrounding myself

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Speaker 4: with people that understand and that continues to encourage me,

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Speaker 4: have my back and support me as you're going through

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Speaker 4: a journey. And the goal is to not celebrate being

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Speaker 4: one of two. To me, I'm thankful, I have gratitude,

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Speaker 4: but I'm also frustrated because I know that there's more

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Speaker 4: than two black women that are qualified to.

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Speaker 2: Do amazing work.

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Speaker 4: I know that there's more than fifty two or fifty

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Speaker 4: three women running a fortune five hundred that can make impact.

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Speaker 4: I understand that the first or the second or the

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Speaker 4: third is not the assignment. Is when there's a fourth

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Speaker 4: fifty six, ten, thirty, fifty percent of women running companies,

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Speaker 4: that is when we can say we're here. And by

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Speaker 4: the way, this is not an either or, and I

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Speaker 4: think it's so important in this environment to say that

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Speaker 4: I want to see more women who has done the

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Speaker 4: work that is qualified.

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Speaker 2: That can make impact. I want that number to grow.

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Speaker 4: I also believe that when we unlock full talent, we'll

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Speaker 4: create in birth new companies in this country, will unlock

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Speaker 4: new innovations in this country. I believe that when you

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Speaker 4: expand the pie, the pie expand.

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Speaker 2: So this is not an either or.

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Speaker 4: In order for us to continue to be relevant and

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Speaker 4: add value around the globe, we have to unlock everyone's

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Speaker 4: talent and not look at it as a lose position,

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Speaker 4: but look at it as an end. And I think

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Speaker 4: that's an important point when we're talking about equity or meritocracy.

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Speaker 4: It's not the expense at the expense of someone else

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Speaker 4: not getting the shot, it's what pie can be expanded

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Speaker 4: as a result of letting the players play and let

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Speaker 4: the best win.

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Speaker 5: So piggybacking on for that point post George Floyd, Corporate

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Speaker 5: America pledged billions of dollars to black businesses, black entrepreneurs,

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Speaker 5: black startups. A vast majority of that money has been rescinded.

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Speaker 5: The court system is tearing apart affirmative action to the

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Speaker 5: point where it's almost decimated. A lot of your counterparts

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Speaker 5: have been very vocal ONDI, and.

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Speaker 6: They're anti it to say it nicely.

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Speaker 5: So you, as a leader in corporate America, what is

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Speaker 5: your thoughts on that current position diversity, equity and inclusion.

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Speaker 6: What does it mean to you? What does it mean

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Speaker 6: to your organization?

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Speaker 5: And I would like to hear your view points on it,

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Speaker 5: because we've heard a lot of other people share.

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Speaker 6: Their views lately.

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Speaker 4: Yes, I mean, if you break this apart, diversity is beautiful.

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Speaker 4: If you break this apart, equity is beautiful. If you

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Speaker 4: break this apart, inclusion.

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Speaker 2: Is impactful.

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Speaker 4: And so when I think about diversity, equity and inclusion,

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Speaker 4: those were beautiful words.

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Speaker 2: Objectives vision to.

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Speaker 4: Be able to say, how can we have a company

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Speaker 4: that can cast the widest net to truly have an

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Speaker 4: inclusion for everyone, and I think that unfortunately the narrative

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Speaker 4: and the polarization of it is getting in the way

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Speaker 4: of what are we really here to solve context.

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Speaker 2: Are y'all with me? What is the root cause?

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Speaker 4: And as a leader, you always want to understand the

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Speaker 4: root cause for anything.

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Speaker 2: The root cause, the root cause is that we have started.

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Speaker 4: And if I make this about corporate America and an

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Speaker 4: exclusionary mindset, we've started with the exclusion of women. We

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Speaker 4: started with the exclusion of people of color, or with

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Speaker 4: the exclusion of people with different abilities, and so over time,

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Speaker 4: with a fight in policies and laws and voices, we

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Speaker 4: have worked to address an exclusionary structure to be more inclusive.

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Speaker 4: Put this in perspective, the first female CEO did not

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Speaker 4: happen until the nineteen seventies, the decade in which I

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Speaker 4: was born. The first put this in perspective, The first

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Speaker 4: that we had a policy at the federal level for

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Speaker 4: maternal leave.

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Speaker 2: Maternity leave was in the nineties.

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Speaker 4: To put this in perspective, Ada American with Disabilities Act

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Speaker 4: in terms of policies for people with different abilities did

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Speaker 4: not happen until the nineties. I see, your mouth just

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Speaker 4: dropped you see that you're like what, And so when

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Speaker 4: you think about what we're doing and where we are today,

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Speaker 4: we are young and new to this structure of inclusion.

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Speaker 2: And so whenever you are here to make progress, it's

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Speaker 2: going to have a bumpy line.

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Speaker 4: Progress is never straight, and right now it is really hard.

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Speaker 4: But I think it's important for leaders, and I would

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Speaker 4: say for us at TIA, it goes back to our values.

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Speaker 4: Regardless of what you want to call it. Our values

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Speaker 4: is that we want to cast the widest net. It's

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Speaker 4: our understanding of if we cast a wide net, and

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Speaker 4: we may be introducing new employees into our ecosystem, there

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Speaker 4: may be policies or practices that we.

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Speaker 2: Didn't understand could have a negative impact.

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Speaker 4: And so by understanding and getting proximant to saying what's

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Speaker 4: getting in the way. Like when women entered the workforce

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Speaker 4: going out of maternity leave, there should be a policy,

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Speaker 4: but you didn't understand that because you didn't have women.

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Speaker 2: In the workplace.

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Speaker 4: And so I think when we really talk about diverse

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Speaker 4: to the equity and inclusion, it is about opening up

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Speaker 4: the aperture of talent. It is about then looking at

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Speaker 4: your policies and practices to say, are there is there

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Speaker 4: anything that's getting in the way that can unt that

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Speaker 4: would not unlock someone's potential?

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Speaker 2: Is there someone with a different ability?

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Speaker 4: Think about eightya that can't navigate up and downstairs?

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Speaker 2: So maybe we should have.

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Speaker 4: A ramp or really make sure that every building has

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Speaker 4: an elevator so that they can be their best version

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Speaker 4: and that we can recruit them and they will stay

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Speaker 4: because we didn't make it unbearable for them to come

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Speaker 4: to work every day.

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Speaker 2: And so now more than ever, we are.

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Speaker 4: In a diverse global world that's inside our workforce. Now

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Speaker 4: more than ever, we are in a time where we

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Speaker 4: have inner generations all working together.

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Speaker 2: So of course there's.

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Speaker 4: Going to be different views, different mindsets. There's going to

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Speaker 4: be a lot of concern and anngst. But I say

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Speaker 4: as a leader that when you go back to your

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Speaker 4: values of it as a company that says I want

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Speaker 4: to cast the whitest net to compete lawlobally, I understand

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Speaker 4: that the rate of change is happening so quickly that

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Speaker 4: if I am not staying on top of what I need,

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Speaker 4: I can miss it and that can have a long

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Speaker 4: term impact. I need to understand the diverse perspectives of

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Speaker 4: the people in my workforce to make sure that what

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Speaker 4: we are about as a company is something that's resonating

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Speaker 4: with the generations of today, tomorrow and the future. And so, yes,

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Speaker 4: there's a lot going on, but we cannot get tired

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Speaker 4: about the problem we're really trying to solve. And I

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Speaker 4: would just say that if you really break it all down,

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Speaker 4: the word diversity is not a bad word. Equity is

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Speaker 4: not a bad word, Inclusion is not a bad word.

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Speaker 4: The opportunity to unlock talent is something that I think

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Speaker 4: as leaders we must double down on. If we want

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Speaker 4: to compete, we have to compete, and in order to compete,

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Speaker 4: we need to look all around the country to find

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Speaker 4: the talent. And so it is it's heavy to know

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Speaker 4: that sometimes the narrative or what people say can feel

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Speaker 4: like a direct attack on my be.

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Speaker 2: That sometimes it could.

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Speaker 4: Feel will my children be seen for the content of

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Speaker 4: their character, not the color of their skin? But I

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Speaker 4: want them to see them. So it is heavy, but

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Speaker 4: we cannot get tired. And as leaders, I think we

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00:25:23,960 --> 00:25:26,680
Speaker 4: have to continue to align with the values of your

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Speaker 4: company to understand that things are hard.

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Speaker 2: It's not in a straight line. But are we on

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Speaker 2: the right side of impact and growth? Are we on

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Speaker 2: the right side? Are wanting to do good in the community?

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Speaker 4: Are we on the right side and wanting to make

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Speaker 4: sure that our employees can feel safe and protected everyone?

446
00:25:43,800 --> 00:25:46,560
Speaker 4: Are we on the right side of unlocking ideas and

447
00:25:46,640 --> 00:25:49,359
Speaker 4: thoughts and making sure we get counter narratives and don't

448
00:25:49,359 --> 00:25:51,879
Speaker 4: shut down voice, but open up voice in order to

449
00:25:51,920 --> 00:25:54,520
Speaker 4: make sure that we can unlock the future. So it's

450
00:25:54,560 --> 00:25:57,800
Speaker 4: a lot going on, but I can't get tired. We

451
00:25:57,880 --> 00:26:00,520
Speaker 4: can't get tired, and we have to just always go

452
00:26:00,600 --> 00:26:04,399
Speaker 4: to the root cause and understand our why and don't

453
00:26:04,480 --> 00:26:08,159
Speaker 4: let the narratives that are not aligned to the spirit

454
00:26:08,200 --> 00:26:10,280
Speaker 4: of what we're trying to do distract. And I know

455
00:26:10,320 --> 00:26:13,239
Speaker 4: it's really tough because there's a lot of polarization and

456
00:26:13,280 --> 00:26:16,359
Speaker 4: that many companies have to pivot and address. And there's

457
00:26:16,400 --> 00:26:18,800
Speaker 4: many ways to pivot without losing sight of the main thing.

458
00:26:19,320 --> 00:26:22,840
Speaker 4: And for us at TIA, we are committed to unlocking

459
00:26:22,880 --> 00:26:26,320
Speaker 4: the very best talent and understanding that the best talent

460
00:26:26,480 --> 00:26:29,679
Speaker 4: looks like me and do not look like me. The

461
00:26:29,720 --> 00:26:37,679
Speaker 4: best talent is black, white, Hispanic, Muslim, Christian Republican Democrat

462
00:26:38,200 --> 00:26:40,600
Speaker 4: born in this country, not born in this country, but

463
00:26:40,640 --> 00:26:43,600
Speaker 4: they're wearing one jersey, and that's the Tia jersey. And

464
00:26:43,720 --> 00:26:45,600
Speaker 4: that has to be the connective tissue that I think

465
00:26:45,600 --> 00:26:47,240
Speaker 4: we get back to as leaders.

466
00:26:51,680 --> 00:26:51,920
Speaker 6: Yeah.

467
00:26:52,359 --> 00:26:55,360
Speaker 7: I love the word context because when you give context,

468
00:26:55,440 --> 00:26:59,400
Speaker 7: especially to a younger audience of students, it allows them

469
00:26:59,440 --> 00:27:02,520
Speaker 7: to get a historical perspective that it also allows them

470
00:27:02,520 --> 00:27:05,520
Speaker 7: to move in the future the more intentionality. Yes, And

471
00:27:05,560 --> 00:27:08,800
Speaker 7: when I hear you speak, I hear two things for sure,

472
00:27:08,840 --> 00:27:11,720
Speaker 7: and I hear purpose, I passion, and I hear well

473
00:27:11,760 --> 00:27:13,879
Speaker 7: three things. I hear intent as well. And so a

474
00:27:13,880 --> 00:27:16,719
Speaker 7: lot of times, you know, we get asked the question, well,

475
00:27:16,760 --> 00:27:18,719
Speaker 7: how do I know my purpose or how do I

476
00:27:18,760 --> 00:27:23,639
Speaker 7: differentiate between purchase, passion and purpose. At what point in

477
00:27:23,680 --> 00:27:26,280
Speaker 7: your journey did you have to differentiate or did you

478
00:27:26,400 --> 00:27:30,080
Speaker 7: or are you made aware of the difference and decided

479
00:27:30,160 --> 00:27:32,320
Speaker 7: to go purpose driven life.

480
00:27:34,040 --> 00:27:40,000
Speaker 2: I mean, purpose is only valuable if the goal is impact.

481
00:27:41,920 --> 00:27:46,640
Speaker 4: And so my purpose is to inspire and make positive impact.

482
00:27:47,920 --> 00:27:51,840
Speaker 2: And I say that because there's no.

483
00:27:52,000 --> 00:27:55,560
Speaker 4: For me, there's no other explanation for me sitting here

484
00:27:55,600 --> 00:27:56,679
Speaker 4: talking to earn your leisure.

485
00:27:57,480 --> 00:27:59,000
Speaker 2: You know I am from the South.

486
00:27:59,680 --> 00:28:02,200
Speaker 4: You know my mom is an educator, my dad druve

487
00:28:02,280 --> 00:28:03,480
Speaker 4: trucks and scanned boxes.

488
00:28:03,560 --> 00:28:05,200
Speaker 2: I'm first generation integration.

489
00:28:05,760 --> 00:28:07,600
Speaker 4: You know, I went to schools in the South, but

490
00:28:07,680 --> 00:28:10,320
Speaker 4: I work in New York in the largest financial center.

491
00:28:11,000 --> 00:28:14,480
Speaker 2: You know, I didn't know people. You know, I wasn't connected.

492
00:28:15,320 --> 00:28:17,040
Speaker 2: You know, I understand struggle.

493
00:28:17,240 --> 00:28:19,920
Speaker 4: I know what it's like to open up your refrigerator

494
00:28:19,960 --> 00:28:22,439
Speaker 4: and only see bacon, soda and wonder how are we

495
00:28:22,480 --> 00:28:25,679
Speaker 4: going to make a meal. I understand what it's like

496
00:28:25,760 --> 00:28:28,680
Speaker 4: for your parents to do their very best when their

497
00:28:28,680 --> 00:28:32,320
Speaker 4: best is not sufficient. Anybody feel me on that.

498
00:28:32,880 --> 00:28:37,200
Speaker 2: I understand that, and so I am fueled with purpose.

499
00:28:38,000 --> 00:28:40,280
Speaker 4: And what I know for sure is that as a

500
00:28:40,360 --> 00:28:44,040
Speaker 4: leader in corporate America, as a leader who's passionate about

501
00:28:44,200 --> 00:28:49,000
Speaker 4: financial impact, to earn your leisure, to secure the bag,

502
00:28:49,240 --> 00:28:53,200
Speaker 4: to get your paper right, the only way that I

503
00:28:53,240 --> 00:28:56,240
Speaker 4: can do that is to be stepfast on purpose, because

504
00:28:56,320 --> 00:28:59,520
Speaker 4: it is not easy. And the only way for me

505
00:28:59,640 --> 00:29:01,480
Speaker 4: to say why am I here?

506
00:29:01,680 --> 00:29:02,160
Speaker 2: Why me?

507
00:29:03,040 --> 00:29:05,920
Speaker 4: Is because I believe that there is something higher for

508
00:29:06,000 --> 00:29:08,080
Speaker 4: me to do, and I think the work to do

509
00:29:08,280 --> 00:29:10,400
Speaker 4: is to try to do my part to make sure

510
00:29:10,440 --> 00:29:13,760
Speaker 4: that we can address financial inequality, to make sure that

511
00:29:13,800 --> 00:29:15,200
Speaker 4: all Americans.

512
00:29:14,640 --> 00:29:16,320
Speaker 2: Can retire with dignity.

513
00:29:16,760 --> 00:29:20,520
Speaker 4: I've only played in financial services my entire career, even

514
00:29:20,560 --> 00:29:23,640
Speaker 4: though I wasn't raised with financial service in the financial

515
00:29:23,640 --> 00:29:27,320
Speaker 4: service sector, and so purpose and impact, I think has

516
00:29:27,400 --> 00:29:31,440
Speaker 4: always been in me. And I think that the older

517
00:29:31,800 --> 00:29:33,360
Speaker 4: that I've gotten and to make.

518
00:29:33,240 --> 00:29:34,280
Speaker 2: It all make sense.

519
00:29:35,600 --> 00:29:38,360
Speaker 4: It made sense when I aligned with purpose and then

520
00:29:38,400 --> 00:29:41,160
Speaker 4: I was able to be okay with the accolades. You

521
00:29:41,200 --> 00:29:44,120
Speaker 4: know sometimes because you all go to these amazing universities here,

522
00:29:44,400 --> 00:29:46,440
Speaker 4: and you know, when someone says, oh my gosh, you

523
00:29:46,480 --> 00:29:49,120
Speaker 4: are amazing, like, I'm just trying to make it. Anybody

524
00:29:49,120 --> 00:29:51,960
Speaker 4: with that, I'm just okay. Think it's not just me.

525
00:29:52,080 --> 00:29:54,360
Speaker 4: Anyone has tried to like dim your light a little

526
00:29:54,360 --> 00:29:56,479
Speaker 4: bit because you couldn't accept the fact that you are

527
00:29:56,560 --> 00:29:59,400
Speaker 4: first generation in college, or you couldn't, you know, accept

528
00:29:59,400 --> 00:30:01,560
Speaker 4: the fact that you're this amazing college so you would

529
00:30:01,600 --> 00:30:02,960
Speaker 4: dim your light when you go home.

530
00:30:02,880 --> 00:30:06,080
Speaker 2: Or is it just me? Okay, Okay. The reason why

531
00:30:06,120 --> 00:30:07,360
Speaker 2: I say that on purpose.

532
00:30:07,080 --> 00:30:10,040
Speaker 4: And impact is because I would be like, oh, it's just.

533
00:30:10,120 --> 00:30:12,520
Speaker 2: You know, t round. I'm just you know, trying to.

534
00:30:12,480 --> 00:30:16,680
Speaker 4: Make it until I could connect with purpose, because I

535
00:30:16,720 --> 00:30:20,920
Speaker 4: couldn't own that shine until I can understand the why

536
00:30:21,800 --> 00:30:23,000
Speaker 4: because I'm not here for the.

537
00:30:22,960 --> 00:30:24,960
Speaker 2: Shine, so it felt uncomfortable.

538
00:30:25,680 --> 00:30:29,120
Speaker 4: But when I was able to connect my why to

539
00:30:29,240 --> 00:30:33,800
Speaker 4: purpose and impact, oh yes, let's let's go, let's grow,

540
00:30:33,880 --> 00:30:36,680
Speaker 4: let's make impact, let's make decisions. Let's, you know, think

541
00:30:36,680 --> 00:30:39,360
Speaker 4: about this next hill we can climb for the company.

542
00:30:39,800 --> 00:30:41,560
Speaker 2: So my point is to you is.

543
00:30:41,520 --> 00:30:46,120
Speaker 4: That purpose and impact made it all make sense to me.

544
00:30:47,520 --> 00:30:51,320
Speaker 4: Purpose and impact makes it okay when you know you're

545
00:30:51,320 --> 00:30:56,040
Speaker 4: going to take body shots. Purpose and impact makes it

546
00:30:56,080 --> 00:30:58,800
Speaker 4: okay when you know that everyone is not going to

547
00:30:59,000 --> 00:31:04,480
Speaker 4: like your existence, but you exist anyway. Purpose and impact

548
00:31:04,880 --> 00:31:08,200
Speaker 4: is what has allowed me to have this fire in

549
00:31:08,280 --> 00:31:11,440
Speaker 4: my belly to not dim my light because it is

550
00:31:11,520 --> 00:31:14,560
Speaker 4: meant to shine. It is meant to make positive impact.

551
00:31:15,880 --> 00:31:20,920
Speaker 4: Purpose and impact is my why I want to talk

552
00:31:20,960 --> 00:31:25,080
Speaker 4: to young people. Why I do my best to be

553
00:31:25,200 --> 00:31:28,800
Speaker 4: seen so that you can see what you can be

554
00:31:28,920 --> 00:31:31,760
Speaker 4: that you may not see every day. Because I don't

555
00:31:31,800 --> 00:31:34,640
Speaker 4: want anyone opting out of corporate America because you don't

556
00:31:34,640 --> 00:31:35,400
Speaker 4: see yourself.

557
00:31:36,160 --> 00:31:37,240
Speaker 2: I don't want women.

558
00:31:37,040 --> 00:31:39,040
Speaker 4: Opting out because they don't believe they can do it

559
00:31:39,040 --> 00:31:42,120
Speaker 4: if they want to have a family. I don't want

560
00:31:42,160 --> 00:31:44,280
Speaker 4: people to think that you do it by yourself, which is.

561
00:31:44,280 --> 00:31:45,640
Speaker 2: Why I talk about my husband.

562
00:31:46,640 --> 00:31:49,840
Speaker 4: You know, it's a wee thing and so purpose and

563
00:31:50,040 --> 00:31:54,520
Speaker 4: impact for me makes being a CEO of an amazing

564
00:31:54,560 --> 00:31:59,040
Speaker 4: company makes sense. And to be at a company that's

565
00:31:59,080 --> 00:32:04,280
Speaker 4: also mission driven, to me, it's the connective tissue of

566
00:32:04,360 --> 00:32:07,760
Speaker 4: exactly where I'm supposed to be because my values in

567
00:32:07,800 --> 00:32:11,400
Speaker 4: my why, I get to lead a company that shares

568
00:32:11,440 --> 00:32:15,160
Speaker 4: in those values, and I get to accelerate impact in

569
00:32:15,240 --> 00:32:18,120
Speaker 4: my humble opinion, because I get to align myself with

570
00:32:18,240 --> 00:32:20,680
Speaker 4: people that have a shared mission of what we're trying

571
00:32:20,680 --> 00:32:20,960
Speaker 4: to do.

572
00:32:21,320 --> 00:32:23,800
Speaker 2: So purpose and impact makes it all make sense. Y'all

573
00:32:23,800 --> 00:32:24,080
Speaker 2: with me?

574
00:32:28,960 --> 00:32:31,720
Speaker 5: So let me ask you about the hottest topic in

575
00:32:31,760 --> 00:32:33,320
Speaker 5: the world right in their artificial intelligence?

576
00:32:33,360 --> 00:32:37,240
Speaker 8: Yes, Ernest, what's up? You ever walk into a small

577
00:32:37,280 --> 00:32:40,680
Speaker 8: business and everything just works like the checkout is fast,

578
00:32:40,720 --> 00:32:44,520
Speaker 8: the seats of digital tipping is a breeze, and you're

579
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Speaker 8: out the door before the line even builds? Odds are

580
00:32:47,760 --> 00:32:51,320
Speaker 8: they're using Square? We love supporting businesses that run on

581
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Speaker 8: Square because it just feels seamless, whether it's a local

582
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Speaker 8: coffee shop, a vendor at a pop up market, or

583
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Speaker 8: even one of our merch partners Square makes it easy

584
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Speaker 8: for them to take payments, manage inventory, and run their

585
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Speaker 8: business with confidence, all from one simple system. If you're

586
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Speaker 8: a business owner or even just thinking about launching something soon,

587
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Speaker 8: Square is hands down one of the best tools out

588
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Speaker 8: there to help you start, run and grow. It's not

589
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Speaker 8: just about payments, it's about giving you time back so

590
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Speaker 8: you can focus on what matters most ready. To see

591
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Speaker 8: how Square can transform your business, visit Square dot com

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Speaker 8: com backslash, go backslash eyl. Don't wait, don't hesitate. Let's

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Speaker 8: Square handle the back end so you can keep pushing

595
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Speaker 8: your vision forward. This episode is brought to you by

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Speaker 1: An illegal alien from Guatemala charged with raping a child

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612
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613
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614
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Speaker 1: The United States Secretary of Homeland Security. Under President Trump,

615
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Speaker 1: attempted illegal border crossings are at the lowest levels ever recorded,

616
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Speaker 1: and over one hundred thousand illegal aliens have been arrested.

617
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Speaker 2: If you were here.

618
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Speaker 1: Illegally, your next you will be fined nearly one thousand

619
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620
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621
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Speaker 1: leave now, you could be allowed to return legally. Do

622
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Speaker 1: what's right, leave now. Under President Trump, America's laws, border

623
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Speaker 1: and families will be protected.

624
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Speaker 3: Sponsored by the United States Department of Homeland Security earners.

625
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Speaker 3: What's up you ever?

626
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Speaker 5: Today, they said over twenty five percent of the jobs

647
00:36:44,400 --> 00:36:50,200
Speaker 5: globally well be cut or replaced by artificial intelligence over

648
00:36:50,239 --> 00:36:53,000
Speaker 5: the next ten years. Over the next twenty years, reports

649
00:36:53,040 --> 00:36:55,920
Speaker 5: of forty percent forty percent of every single job in

650
00:36:55,960 --> 00:36:58,920
Speaker 5: the world could be impacted by artificial intelligence.

651
00:37:00,120 --> 00:37:01,319
Speaker 6: Your world, we.

652
00:37:01,239 --> 00:37:04,880
Speaker 5: See robo advisors, yep, a lot of different things that's happening.

653
00:37:05,480 --> 00:37:09,200
Speaker 5: What's your perspective on AI and the financial services sector

654
00:37:09,360 --> 00:37:13,240
Speaker 5: and how are you currently using AI to grow the company?

655
00:37:13,280 --> 00:37:18,120
Speaker 5: And yeah, what's the pathway for your company and artificial intelligence?

656
00:37:18,360 --> 00:37:20,840
Speaker 2: I mean AI is a topic for every CEO.

657
00:37:21,000 --> 00:37:23,120
Speaker 4: I know you all just got back from Davos and

658
00:37:23,600 --> 00:37:29,600
Speaker 4: that was the topic, and so let's unpack it first. Clearly,

659
00:37:29,800 --> 00:37:33,200
Speaker 4: for a company like ourselves that are long term investors,

660
00:37:33,920 --> 00:37:37,280
Speaker 4: it's important that as we think about AI, we also

661
00:37:37,320 --> 00:37:38,960
Speaker 4: think about risk and protection.

662
00:37:39,680 --> 00:37:43,279
Speaker 2: It's about data. AI at the root, it's about.

663
00:37:43,200 --> 00:37:47,360
Speaker 4: Data and making sure that you have the underlining chassis

664
00:37:48,239 --> 00:37:50,960
Speaker 4: to make sure that you have clean data, that you

665
00:37:51,040 --> 00:37:53,920
Speaker 4: have the underlining chassis to make sure you're protecting the

666
00:37:54,000 --> 00:37:56,759
Speaker 4: data and to make sure you're spending a lot of

667
00:37:56,800 --> 00:38:02,680
Speaker 4: time thinking about risk and cited as I am about

668
00:38:02,760 --> 00:38:06,000
Speaker 4: AI and generative AI, I think it's important as a

669
00:38:06,080 --> 00:38:08,920
Speaker 4: leader and for all of you to be thinking first

670
00:38:08,920 --> 00:38:12,360
Speaker 4: about what is the risk, so that we're spending a

671
00:38:12,360 --> 00:38:14,120
Speaker 4: lot of time understanding.

672
00:38:14,840 --> 00:38:15,960
Speaker 2: The second piece is.

673
00:38:15,880 --> 00:38:20,160
Speaker 4: That AI is not like this technology department. AI is

674
00:38:20,200 --> 00:38:24,399
Speaker 4: cutting across every role, every job, and so the way

675
00:38:24,400 --> 00:38:28,399
Speaker 4: we think about it at TIAA is to look at

676
00:38:28,480 --> 00:38:32,239
Speaker 4: use cases. How can we think about AI and at

677
00:38:32,360 --> 00:38:36,239
Speaker 4: every level of our company, every division, every department to

678
00:38:36,360 --> 00:38:40,200
Speaker 4: accomplish a few things. One, how can we use AI

679
00:38:40,400 --> 00:38:43,759
Speaker 4: to empower our own people? And so, yes, there will

680
00:38:43,800 --> 00:38:46,080
Speaker 4: be a shift in jobs, but that is not new either.

681
00:38:46,920 --> 00:38:51,040
Speaker 4: You know, technology change the game, but jobs still prevailed,

682
00:38:51,120 --> 00:38:53,440
Speaker 4: and so I do think that we can't think about

683
00:38:53,480 --> 00:38:55,120
Speaker 4: it as if it's again a.

684
00:38:55,200 --> 00:38:56,960
Speaker 2: Lose win scenario.

685
00:38:57,480 --> 00:39:01,160
Speaker 4: When history tells us whenever there's been a shift, we've

686
00:39:01,160 --> 00:39:06,040
Speaker 4: created a new economy and we educated and prepared workers for.

687
00:39:05,960 --> 00:39:06,880
Speaker 2: That new economy.

688
00:39:07,239 --> 00:39:09,879
Speaker 4: And so it is in our best interest to make

689
00:39:09,920 --> 00:39:13,680
Speaker 4: sure that we are not scaring people but empowering through

690
00:39:13,880 --> 00:39:16,920
Speaker 4: educating and taking people on the journey of how AI

691
00:39:17,080 --> 00:39:20,000
Speaker 4: will make employees jobs easier so that they can focus

692
00:39:20,040 --> 00:39:23,920
Speaker 4: on the things that they really love. So efficiency companion

693
00:39:24,600 --> 00:39:28,720
Speaker 4: is an opportunity. I also think that AI will open

694
00:39:28,800 --> 00:39:31,520
Speaker 4: up new ideas and new innovation when you just think

695
00:39:31,520 --> 00:39:34,160
Speaker 4: about the power and the compounding aspects of what this

696
00:39:34,239 --> 00:39:35,560
Speaker 4: technology is already doing.

697
00:39:35,600 --> 00:39:37,160
Speaker 2: And you're already seeing use cases.

698
00:39:37,400 --> 00:39:39,920
Speaker 4: You're seeing it in human resources, you're seeing it in marketing,

699
00:39:39,960 --> 00:39:42,879
Speaker 4: and so AI is already here. And for us, we

700
00:39:42,920 --> 00:39:45,960
Speaker 4: see AI already when we look at our call centers

701
00:39:46,000 --> 00:39:48,759
Speaker 4: and how AI is helping us get smarter about the

702
00:39:48,800 --> 00:39:51,319
Speaker 4: type of call so that we can respond to our

703
00:39:51,360 --> 00:39:55,920
Speaker 4: participants faster, smarter and not having them to reauthenticate themselves

704
00:39:56,040 --> 00:39:58,439
Speaker 4: over and over because you can use AI, so there's

705
00:39:58,480 --> 00:40:01,000
Speaker 4: so many use cases that can prove and delight the

706
00:40:01,040 --> 00:40:07,239
Speaker 4: client experience, which is also important. So efficiency, employee experience,

707
00:40:08,520 --> 00:40:11,359
Speaker 4: client experience, innovation.

708
00:40:12,120 --> 00:40:14,520
Speaker 2: Future today is AI.

709
00:40:15,200 --> 00:40:17,319
Speaker 4: But it is something that I think we have to

710
00:40:17,360 --> 00:40:21,759
Speaker 4: make sure that all employees understand because it's scary what

711
00:40:21,800 --> 00:40:24,160
Speaker 4: does this mean for me? And I think it's important

712
00:40:24,160 --> 00:40:26,560
Speaker 4: for us to take them on a journey. For us

713
00:40:26,600 --> 00:40:29,920
Speaker 4: at TIA, we want to educate our employees. We provide

714
00:40:29,920 --> 00:40:34,120
Speaker 4: opportunities for any employee to get exposure to technology, learn

715
00:40:34,120 --> 00:40:37,120
Speaker 4: how to code, learn how to understand cybersecurity, all the

716
00:40:37,120 --> 00:40:39,520
Speaker 4: things around technology and where we think the puck is going,

717
00:40:39,800 --> 00:40:42,040
Speaker 4: so that we can make sure that our existing workforce

718
00:40:42,120 --> 00:40:45,279
Speaker 4: is prepared for where we're going in a way that

719
00:40:45,280 --> 00:40:48,520
Speaker 4: we can reskill, retrain, and open up that aperture of

720
00:40:48,600 --> 00:40:50,799
Speaker 4: talent in a way that they can feel confident they

721
00:40:50,800 --> 00:40:52,719
Speaker 4: can go from this role to that role.

722
00:40:52,760 --> 00:40:54,600
Speaker 2: But the key is intellectual curiosity.

723
00:40:55,120 --> 00:40:57,759
Speaker 4: I do think the opportunity for all of us, and

724
00:40:57,760 --> 00:41:00,520
Speaker 4: I would say this for young people once you you

725
00:41:00,560 --> 00:41:01,520
Speaker 4: have not stopped learning.

726
00:41:02,560 --> 00:41:04,360
Speaker 2: The objective, especially.

727
00:41:03,920 --> 00:41:06,680
Speaker 4: When you think about AI and generative AI, is this

728
00:41:06,800 --> 00:41:08,200
Speaker 4: intellectual curiosity.

729
00:41:08,760 --> 00:41:10,520
Speaker 2: You're not going to out google Google.

730
00:41:11,320 --> 00:41:15,080
Speaker 4: There is nothing that you can memorize that surri got you.

731
00:41:16,360 --> 00:41:18,719
Speaker 4: But the most important thing that you own is how

732
00:41:18,760 --> 00:41:23,160
Speaker 4: you think about something, how you apply it, how it

733
00:41:23,200 --> 00:41:27,200
Speaker 4: can unlock a problem that we're trying to solve. And

734
00:41:27,239 --> 00:41:29,520
Speaker 4: so the most important thing that I would share with

735
00:41:29,560 --> 00:41:32,520
Speaker 4: all of you is to stay curious and do not

736
00:41:32,640 --> 00:41:36,560
Speaker 4: be afraid of the technology. Embrace it, but make sure

737
00:41:36,560 --> 00:41:39,399
Speaker 4: that we're all thinking about it in a responsible way.

738
00:41:39,520 --> 00:41:42,760
Speaker 4: And finally, I would say embrace and understand as leaders

739
00:41:43,239 --> 00:41:47,680
Speaker 4: is yesterday's compliance and governance is not today's or tomorrow's.

740
00:41:48,200 --> 00:41:49,960
Speaker 4: And so we also have to make sure that we're

741
00:41:50,000 --> 00:41:52,640
Speaker 4: investing in our lines of defense and making sure that

742
00:41:52,680 --> 00:41:56,080
Speaker 4: we're calibrating not just the issues of today, but also

743
00:41:56,160 --> 00:41:58,440
Speaker 4: protection for tomorrow. And I think AI is in the

744
00:41:58,480 --> 00:41:59,960
Speaker 4: center of that opportunities.

745
00:42:00,000 --> 00:42:02,120
Speaker 2: So I'm excited about AI.

746
00:42:02,400 --> 00:42:04,839
Speaker 4: I'm excited about what it can mean for what we

747
00:42:04,920 --> 00:42:07,000
Speaker 4: do and who we serve, and what it can unlock.

748
00:42:07,360 --> 00:42:09,799
Speaker 4: But it needs to be in a responsible way. It

749
00:42:09,840 --> 00:42:11,600
Speaker 4: needs to be in a way that we take our

750
00:42:11,640 --> 00:42:12,319
Speaker 4: employees on.

751
00:42:12,280 --> 00:42:14,080
Speaker 2: A journey, in a way that we can.

752
00:42:13,960 --> 00:42:17,000
Speaker 4: Evote confidence and not fear in the technology.

753
00:42:17,200 --> 00:42:19,439
Speaker 7: It's interesting we were in Dabbles and they were talking

754
00:42:19,440 --> 00:42:24,000
Speaker 7: about generations who feared technology, and they brought the analogy

755
00:42:24,200 --> 00:42:28,000
Speaker 7: of the typewriter and people fear in the computer.

756
00:42:28,280 --> 00:42:29,520
Speaker 6: Yes, And they said, you.

757
00:42:29,520 --> 00:42:31,880
Speaker 7: Know what, we don't know what we're going to do

758
00:42:31,920 --> 00:42:33,680
Speaker 7: with our going to have jobs until you realize that

759
00:42:34,040 --> 00:42:36,719
Speaker 7: everybody is sitting in front of a computer. And then

760
00:42:36,760 --> 00:42:39,400
Speaker 7: they said, there was a mail room, but we got emails,

761
00:42:39,760 --> 00:42:41,399
Speaker 7: so that's not we're going to need that as much

762
00:42:41,520 --> 00:42:44,800
Speaker 7: until you have twenty thousand emails. Yes, right, and so

763
00:42:44,920 --> 00:42:47,360
Speaker 7: we should just just be mindful and educate ourselves on it.

764
00:42:47,760 --> 00:42:50,520
Speaker 7: But there are some things that will affect this generation

765
00:42:50,719 --> 00:42:55,959
Speaker 7: and our generation. Inflation, yes, student loan debt, mortgage rates,

766
00:42:57,080 --> 00:43:02,040
Speaker 7: all these things that these young adults here with sitting

767
00:43:02,440 --> 00:43:05,719
Speaker 7: before us. Now we'll have to face at what point,

768
00:43:05,840 --> 00:43:09,600
Speaker 7: Since TIAA is known for retirement, at what point should

769
00:43:09,640 --> 00:43:12,720
Speaker 7: these young adults start to think or get education around

770
00:43:13,040 --> 00:43:14,360
Speaker 7: retirement retirement planet.

771
00:43:15,520 --> 00:43:18,120
Speaker 4: Okay, I'm gonna give y'all a quiz. Is it today

772
00:43:18,960 --> 00:43:22,960
Speaker 4: or once I'm sixty five? I should think about retirement today?

773
00:43:23,239 --> 00:43:25,080
Speaker 2: Y'all are ready? Okay, let's repack this.

774
00:43:25,920 --> 00:43:29,399
Speaker 4: There's a word that I want you all to write down,

775
00:43:29,560 --> 00:43:31,399
Speaker 4: memorize telefriend phone a frame.

776
00:43:31,920 --> 00:43:32,680
Speaker 2: It starts with the C.

777
00:43:32,960 --> 00:43:37,160
Speaker 4: Does anybody know the word compounding? A dollar a day

778
00:43:37,280 --> 00:43:40,920
Speaker 4: is worth more than a dollar what tomorrow? And so

779
00:43:41,719 --> 00:43:44,399
Speaker 4: when you think about where you all are going, let's

780
00:43:44,400 --> 00:43:48,320
Speaker 4: talk about your post graduation. The context in the backdrop

781
00:43:48,440 --> 00:43:57,680
Speaker 4: is correct inflation, globalization, geopolitical unrest, student loan debt. We

782
00:43:57,880 --> 00:44:01,319
Speaker 4: also know that African Americans have a proportionate of debt

783
00:44:02,080 --> 00:44:05,040
Speaker 4: in terms of student loans, and so when you look

784
00:44:05,080 --> 00:44:08,359
Speaker 4: at all of this, it can feel daubting. But here

785
00:44:08,480 --> 00:44:12,720
Speaker 4: are the steps. Step one, especially when it comes to preparing.

786
00:44:13,280 --> 00:44:14,200
Speaker 2: When you get your.

787
00:44:14,200 --> 00:44:18,520
Speaker 4: First job, y'all are gonna y'all are gonna send me

788
00:44:18,840 --> 00:44:20,600
Speaker 4: a note on the side because you're gonna do this

789
00:44:20,719 --> 00:44:23,640
Speaker 4: and tell me about it. Your very first job. They're

790
00:44:23,640 --> 00:44:26,800
Speaker 4: gonna give you your job offer. Here's your money. The

791
00:44:26,880 --> 00:44:29,840
Speaker 4: first thing that I want you to do is to

792
00:44:29,880 --> 00:44:32,600
Speaker 4: look at your benefit package and to make sure you

793
00:44:32,760 --> 00:44:34,640
Speaker 4: maximize your four to one K or your four to

794
00:44:34,719 --> 00:44:40,840
Speaker 4: three B. Why compounding, but also many companies match it.

795
00:44:41,680 --> 00:44:43,480
Speaker 2: So unless you're okay leaving.

796
00:44:43,280 --> 00:44:46,160
Speaker 4: The coins on the table because you're only going to

797
00:44:46,200 --> 00:44:48,880
Speaker 4: do three percent instead of the max, start the max.

798
00:44:49,239 --> 00:44:52,960
Speaker 4: Why because tomorrow's check is way more than you have today.

799
00:44:53,800 --> 00:44:57,040
Speaker 4: The minute you see the money you have allocated. But

800
00:44:57,280 --> 00:45:01,120
Speaker 4: if day one you say max me out, you're going

801
00:45:01,160 --> 00:45:04,600
Speaker 4: to do two things. One, you're going to say, you

802
00:45:04,680 --> 00:45:07,279
Speaker 4: know what, because I want all of the benefits that

803
00:45:07,320 --> 00:45:09,160
Speaker 4: I'm entitled to. I don't want to leave any of

804
00:45:09,200 --> 00:45:11,480
Speaker 4: the coins on the table, So you're going to get

805
00:45:11,560 --> 00:45:13,080
Speaker 4: that because of the match.

806
00:45:13,760 --> 00:45:15,880
Speaker 2: And two it's because I.

807
00:45:16,040 --> 00:45:19,759
Speaker 4: Understand that if I compound with this match and then

808
00:45:19,800 --> 00:45:22,040
Speaker 4: whatever I bring home is more than I've ever had today.

809
00:45:22,360 --> 00:45:25,560
Speaker 4: Then as my income rise, I'm already preparing for my

810
00:45:25,719 --> 00:45:28,920
Speaker 4: retirement and I'm taking full advantage of the benefit of

811
00:45:29,000 --> 00:45:31,560
Speaker 4: the money that the company is matching. Don't leave the

812
00:45:31,600 --> 00:45:33,719
Speaker 4: money on the table unless you're comfortable and you got

813
00:45:33,800 --> 00:45:37,200
Speaker 4: it like that, that's fine. So first thing you're going

814
00:45:37,280 --> 00:45:37,759
Speaker 4: to do is what.

815
00:45:39,640 --> 00:45:40,279
Speaker 2: Max it out.

816
00:45:41,120 --> 00:45:43,520
Speaker 4: That's where you get your full value. That is something

817
00:45:43,560 --> 00:45:45,680
Speaker 4: that I do want to emphasize. That's something that I

818
00:45:45,840 --> 00:45:48,080
Speaker 4: did when I first started. I was making twenty six

819
00:45:48,160 --> 00:45:52,080
Speaker 4: thousand dollars a year, but that was twenty six thousand

820
00:45:52,080 --> 00:45:55,719
Speaker 4: dollars more than I may on Sunday when I graduated.

821
00:45:56,640 --> 00:45:59,600
Speaker 4: And to do that immediately, I didn't miss it because

822
00:45:59,640 --> 00:46:02,360
Speaker 4: all of my raises and everything was already working for me.

823
00:46:03,080 --> 00:46:06,640
Speaker 2: So that's the thing when you think about this vision

824
00:46:06,800 --> 00:46:07,480
Speaker 2: of retirement.

825
00:46:07,600 --> 00:46:09,600
Speaker 4: So many times people say young people don't want to

826
00:46:09,600 --> 00:46:12,440
Speaker 4: talk about retirement. Don't nobody think about it. I'm like,

827
00:46:12,520 --> 00:46:15,760
Speaker 4: don't underestimate young people. Young people care about the climate.

828
00:46:16,880 --> 00:46:19,279
Speaker 4: Young people are thinking about the future in a way

829
00:46:19,360 --> 00:46:22,200
Speaker 4: that we never even understood. So let's not put our

830
00:46:22,280 --> 00:46:27,319
Speaker 4: bias on this generation. How many of you all want

831
00:46:27,360 --> 00:46:31,400
Speaker 4: to make sure that you have generational wealth, all of you.

832
00:46:31,680 --> 00:46:33,840
Speaker 4: I'm gonna ask another question. All right, we can do

833
00:46:33,960 --> 00:46:37,120
Speaker 4: the clap, snap, raise hand whatever. I don't know or

834
00:46:37,200 --> 00:46:41,720
Speaker 4: earn your vision, but whatever it is, it's a clap.

835
00:46:41,760 --> 00:46:42,560
Speaker 2: Okay, it's a clap.

836
00:46:43,440 --> 00:46:46,759
Speaker 4: How many of you all understand what struggle looks like

837
00:46:46,800 --> 00:46:49,080
Speaker 4: when your parents or grandparents or auntie did the best

838
00:46:49,120 --> 00:46:55,719
Speaker 4: that they can right now and it's hard. Yeah, how

839
00:46:55,880 --> 00:46:57,920
Speaker 4: many of you don't want to transfer debt but you

840
00:46:58,000 --> 00:47:04,680
Speaker 4: want to transfer wealth? So we should talk about retirement.

841
00:47:06,400 --> 00:47:11,360
Speaker 4: I want to shift how you dream. I want to

842
00:47:11,400 --> 00:47:14,719
Speaker 4: shift the dream from when I graduate. I'm gonna get

843
00:47:14,840 --> 00:47:18,439
Speaker 4: that real nice car, big Time Series because I see

844
00:47:19,160 --> 00:47:22,120
Speaker 4: you know we gonna leave it at that right, you know.

845
00:47:22,360 --> 00:47:24,879
Speaker 6: I see, please, please, you know what I mean.

846
00:47:25,000 --> 00:47:28,880
Speaker 2: But you know I see how this is and how

847
00:47:29,000 --> 00:47:29,320
Speaker 2: that is.

848
00:47:29,440 --> 00:47:33,120
Speaker 4: So I'm going to do that first. I want to

849
00:47:33,120 --> 00:47:35,279
Speaker 4: shift your mindset. And remember what you just told me.

850
00:47:36,440 --> 00:47:42,719
Speaker 4: You said you want to build wealth. You said that

851
00:47:42,840 --> 00:47:45,759
Speaker 4: you want to lighten the burden on your family in

852
00:47:45,840 --> 00:47:48,040
Speaker 4: a way that maybe your parents couldn't lighten the burden

853
00:47:48,120 --> 00:47:52,279
Speaker 4: on themselves. A brand new car, which is a depreciating

854
00:47:52,360 --> 00:47:56,759
Speaker 4: asset day one of graduation does not align with what

855
00:47:56,920 --> 00:47:57,560
Speaker 4: you just said.

856
00:47:58,120 --> 00:47:59,080
Speaker 2: So make it make sense.

857
00:48:00,640 --> 00:48:05,520
Speaker 4: If you say that you want to make sure that

858
00:48:05,640 --> 00:48:07,839
Speaker 4: you can have a better future or take care of mom.

859
00:48:10,120 --> 00:48:13,239
Speaker 4: Flexing on that very expensive rented apartment that you show

860
00:48:13,280 --> 00:48:16,279
Speaker 4: everybody the amenities that is not in your name is

861
00:48:16,360 --> 00:48:16,960
Speaker 4: not the flex.

862
00:48:19,320 --> 00:48:19,960
Speaker 6: Not the flex.

863
00:48:22,080 --> 00:48:24,320
Speaker 4: So if and you see him, be like oh no,

864
00:48:24,560 --> 00:48:27,640
Speaker 4: oh no, already shifting.

865
00:48:27,360 --> 00:48:28,480
Speaker 2: Dreams and goals already.

866
00:48:28,960 --> 00:48:33,600
Speaker 4: My point is on this post graduation, remember what you

867
00:48:33,719 --> 00:48:36,839
Speaker 4: said you want it, and do a regression to your

868
00:48:36,920 --> 00:48:41,359
Speaker 4: decisions the minute you graduate. Make sure you have your

869
00:48:41,440 --> 00:48:45,279
Speaker 4: game plan in place. Make sure that you're saying I

870
00:48:45,360 --> 00:48:49,440
Speaker 4: want to get educated on stocks and bonds and alternatives.

871
00:48:50,400 --> 00:48:54,040
Speaker 4: I want to make sure I maximize my retirement. Make

872
00:48:54,120 --> 00:48:56,480
Speaker 4: sure you understand tax strategies.

873
00:48:56,600 --> 00:48:57,879
Speaker 2: Please write that down.

874
00:48:58,719 --> 00:49:02,400
Speaker 4: Make sure you understand how a retirement vehicle like an

875
00:49:02,480 --> 00:49:06,520
Speaker 4: IRA has taxed advantages for you.

876
00:49:06,960 --> 00:49:08,239
Speaker 2: Please write that down.

877
00:49:09,200 --> 00:49:13,040
Speaker 4: My point is, have a plan on how you're going

878
00:49:13,120 --> 00:49:18,919
Speaker 4: to attack the decision that you made around student debt.

879
00:49:19,280 --> 00:49:20,840
Speaker 2: You invested in yourself.

880
00:49:21,440 --> 00:49:25,240
Speaker 4: I don't think that's a negative. You invested in yourself

881
00:49:25,880 --> 00:49:27,719
Speaker 4: and you made it work. The best way you knew

882
00:49:27,760 --> 00:49:31,960
Speaker 4: how shift your mindset and say, therefore, I have to

883
00:49:32,000 --> 00:49:35,920
Speaker 4: have a budget to take care of that debt and

884
00:49:36,040 --> 00:49:36,520
Speaker 4: attack it.

885
00:49:37,719 --> 00:49:43,040
Speaker 2: My point is having a vision of the life that.

886
00:49:43,200 --> 00:49:47,280
Speaker 4: You deserve, a life that maybe you couldn't even imagine,

887
00:49:48,280 --> 00:49:51,920
Speaker 4: start with the decisions you make in your early twenties.

888
00:49:52,600 --> 00:49:55,960
Speaker 4: It starts with the mindset that you're honing as a

889
00:49:56,040 --> 00:50:00,000
Speaker 4: college student. Because if you graduate and have it mature

890
00:50:00,080 --> 00:50:02,960
Speaker 4: towards your mindset, it's not what you make, it's what

891
00:50:03,080 --> 00:50:06,200
Speaker 4: you keep, and it's what you compound, you're not going

892
00:50:06,280 --> 00:50:08,759
Speaker 4: to be ready. And so my advice to all of

893
00:50:08,880 --> 00:50:13,959
Speaker 4: you the student loan debt was your investment in self.

894
00:50:14,719 --> 00:50:15,239
Speaker 2: Embrace it.

895
00:50:15,360 --> 00:50:19,800
Speaker 4: You already did it, figure out your game plan, allocate

896
00:50:19,880 --> 00:50:25,600
Speaker 4: for that. Don't start your first check with a depreciating asset.

897
00:50:26,840 --> 00:50:28,960
Speaker 4: Start with all the tips you're hearing from these two

898
00:50:29,080 --> 00:50:32,840
Speaker 4: fine gentlemen, and make sure you think about investing and saving.

899
00:50:34,000 --> 00:50:36,000
Speaker 4: Make sure you have that Randy day fund, because how

900
00:50:36,040 --> 00:50:38,640
Speaker 4: many of you all know you can't call mom to

901
00:50:38,800 --> 00:50:41,919
Speaker 4: help pay for these things, so you have to plan

902
00:50:42,080 --> 00:50:42,279
Speaker 4: for that.

903
00:50:43,080 --> 00:50:44,399
Speaker 2: And then with retirement.

904
00:50:45,000 --> 00:50:46,960
Speaker 4: Let me give you the stat which is why it's

905
00:50:47,000 --> 00:50:50,560
Speaker 4: important for today to have the conversation, forty percent of

906
00:50:50,680 --> 00:50:54,960
Speaker 4: all Americans, all Americans to not have enough for a

907
00:50:55,040 --> 00:51:01,560
Speaker 4: secure retirement. For African Americans, it's much more pronounced. Women

908
00:51:01,680 --> 00:51:06,120
Speaker 4: retire with thirty percent less. And so that's why I say,

909
00:51:06,200 --> 00:51:09,080
Speaker 4: do you want to transfer wealth or debt? Make it

910
00:51:09,160 --> 00:51:12,200
Speaker 4: make sense If you don't make the decisions today, you're

911
00:51:12,280 --> 00:51:16,560
Speaker 4: basically saying, if I have a family, they'll take care

912
00:51:16,600 --> 00:51:19,040
Speaker 4: of me and figure it out because I'm not going

913
00:51:19,120 --> 00:51:21,120
Speaker 4: to worry about it, and I'll give them the debt.

914
00:51:23,280 --> 00:51:26,400
Speaker 4: I'm saying to you all, we don't want that. We

915
00:51:26,480 --> 00:51:28,640
Speaker 4: don't want to transfer debt to our children. We want

916
00:51:28,680 --> 00:51:31,759
Speaker 4: to transfer wealth, and that's making sure that they don't

917
00:51:31,800 --> 00:51:34,759
Speaker 4: have to worry. Because you can say, I'm good. I

918
00:51:34,880 --> 00:51:37,200
Speaker 4: have enough to take care of all of my hopes

919
00:51:37,280 --> 00:51:39,680
Speaker 4: and dreams, and I even have enough to transfer to

920
00:51:39,760 --> 00:51:43,640
Speaker 4: you because I've made decisions at twenty two, because I

921
00:51:43,719 --> 00:51:47,040
Speaker 4: had vision in mind. I thought about my future self

922
00:51:48,120 --> 00:51:50,439
Speaker 4: and I actually thought about my reality, and I looked

923
00:51:50,440 --> 00:51:51,680
Speaker 4: in my community.

924
00:51:52,080 --> 00:51:53,359
Speaker 2: And I said I can be better.

925
00:51:53,960 --> 00:51:58,200
Speaker 4: True story, y'all know I talked about Otis Brown, right,

926
00:51:58,320 --> 00:52:01,920
Speaker 4: my hero. My dad worked for over forty plus years

927
00:52:03,160 --> 00:52:07,319
Speaker 4: doing his best, even when his best was not sufficient financially.

928
00:52:08,800 --> 00:52:12,279
Speaker 4: When I graduated from college, we happened to have a

929
00:52:12,320 --> 00:52:15,840
Speaker 4: conversation and he showed me his retirement package.

930
00:52:17,120 --> 00:52:18,240
Speaker 2: When the daughter has.

931
00:52:18,160 --> 00:52:23,719
Speaker 4: To look at a father who's full of pride and say, Dad,

932
00:52:24,120 --> 00:52:28,360
Speaker 4: this is not enough, you're basically saying I'll have to

933
00:52:28,440 --> 00:52:34,160
Speaker 4: take care of you. Otis Brown had a pension, but

934
00:52:34,280 --> 00:52:36,520
Speaker 4: he never contributed one dollar to his four h one

935
00:52:36,600 --> 00:52:40,480
Speaker 4: k plan, and it was a very generous plan with

936
00:52:40,600 --> 00:52:46,279
Speaker 4: a lot of match not one dollar. And for the

937
00:52:46,440 --> 00:52:50,479
Speaker 4: daughter to tell a father who did his best, that hurt.

938
00:52:51,680 --> 00:52:56,480
Speaker 4: And it also angered me because I said, why didn't

939
00:52:56,760 --> 00:53:03,000
Speaker 4: someone empower think about the man scanning boxes and making

940
00:53:03,080 --> 00:53:06,120
Speaker 4: sure that it wasn't just a flyer. But to go

941
00:53:06,360 --> 00:53:10,120
Speaker 4: to an Otis Brown and say, I know that you

942
00:53:10,800 --> 00:53:12,360
Speaker 4: are doing the best for your children.

943
00:53:13,120 --> 00:53:15,480
Speaker 2: Here is something you need to do. And when people

944
00:53:15,600 --> 00:53:18,320
Speaker 2: tell me people don't have people.

945
00:53:18,160 --> 00:53:20,200
Speaker 4: Robin Peter Paypad they're trying to make it work. I

946
00:53:20,239 --> 00:53:22,879
Speaker 4: don't buy into that. Because Otis Brown after his daughter

947
00:53:23,000 --> 00:53:27,880
Speaker 4: told him, he immediately maxed out, immediately.

948
00:53:27,440 --> 00:53:29,239
Speaker 2: Tried to do the catchup. I don't know how he

949
00:53:29,320 --> 00:53:29,520
Speaker 2: made it.

950
00:53:29,640 --> 00:53:32,880
Speaker 4: Remember I was making twenty six thousand dollars. He didn't

951
00:53:32,920 --> 00:53:35,920
Speaker 4: know he was going to have a CEO daughter, but

952
00:53:36,040 --> 00:53:38,480
Speaker 4: he took the information and he immediately.

953
00:53:38,160 --> 00:53:38,800
Speaker 2: Act upon it.

954
00:53:38,960 --> 00:53:41,440
Speaker 4: I don't know how they made it work, but what

955
00:53:41,560 --> 00:53:45,200
Speaker 4: Otis Brown did not want is to have information and

956
00:53:45,360 --> 00:53:47,920
Speaker 4: not take advantage of it when it was not going

957
00:53:47,960 --> 00:53:49,840
Speaker 4: to be helpful to his daughter and his sons.

958
00:53:50,480 --> 00:53:52,799
Speaker 2: And so let's not have this narrative that you don't

959
00:53:52,840 --> 00:53:54,120
Speaker 2: bring information.

960
00:53:53,800 --> 00:53:56,560
Speaker 4: To people because they may be at this level of

961
00:53:56,640 --> 00:53:58,839
Speaker 4: the economy, don't count their coins because they know how

962
00:53:58,880 --> 00:54:00,560
Speaker 4: to make a dollar out of fifteen and since because

963
00:54:00,560 --> 00:54:03,439
Speaker 4: they've been doing that, And so why not make sure

964
00:54:03,480 --> 00:54:06,400
Speaker 4: that we're bringing this information to the Otis Browns. And so,

965
00:54:06,600 --> 00:54:09,399
Speaker 4: as a CEO I think about an Otis Brown every

966
00:54:09,480 --> 00:54:13,320
Speaker 4: day and say, am I bringing this information to people

967
00:54:13,440 --> 00:54:16,239
Speaker 4: that are like my father making it the best way

968
00:54:16,280 --> 00:54:18,800
Speaker 4: they can and don't think they can do it? But

969
00:54:19,000 --> 00:54:21,920
Speaker 4: no one connected the dots on what the impact of

970
00:54:22,040 --> 00:54:25,399
Speaker 4: that lack of decision will mean. And so I hope

971
00:54:25,440 --> 00:54:27,880
Speaker 4: I'm making sense to all of you because this is

972
00:54:27,960 --> 00:54:30,799
Speaker 4: real talk. I'm not telling you what I think, I'm

973
00:54:30,840 --> 00:54:33,000
Speaker 4: not telling you what I lead. I'm telling you what

974
00:54:33,160 --> 00:54:37,440
Speaker 4: I have lived, and I'm telling you you all have

975
00:54:37,680 --> 00:54:43,040
Speaker 4: an opportunity to secure the bag today and compound the

976
00:54:43,160 --> 00:54:47,960
Speaker 4: bag tomorrow if you make the right decisions.

977
00:54:47,719 --> 00:54:52,160
Speaker 2: And you shift your mindset on what am I going

978
00:54:52,280 --> 00:54:54,200
Speaker 2: to do to align with my true dreams?

979
00:54:54,840 --> 00:54:57,879
Speaker 4: And I fundamentally believe young people do want to talk

980
00:54:57,920 --> 00:55:00,840
Speaker 4: about long term planning have to do it in a

981
00:55:00,920 --> 00:55:04,640
Speaker 4: way that's relatable and in a way that they can connect.

982
00:55:04,960 --> 00:55:12,640
Speaker 2: Am I relating? Okay, So.

983
00:55:14,760 --> 00:55:18,359
Speaker 5: We talk a lot about entrepreneurship, Yes, but that's our path.

984
00:55:18,520 --> 00:55:20,560
Speaker 5: But your path is different as far as on the

985
00:55:20,600 --> 00:55:22,520
Speaker 5: corporate world. Yes, you worked your way up to the

986
00:55:22,600 --> 00:55:27,680
Speaker 5: highest level. What advice would you give to anybody that

987
00:55:28,800 --> 00:55:33,480
Speaker 5: wants to go into corporate America and reach the highest

988
00:55:33,560 --> 00:55:36,040
Speaker 5: level of success in corporate America?

989
00:55:36,800 --> 00:55:39,560
Speaker 2: You know, you know what's interesting?

990
00:55:39,600 --> 00:55:40,000
Speaker 6: And I know.

991
00:55:42,280 --> 00:55:46,279
Speaker 4: Sometimes we have this mindset that it's an either or

992
00:55:47,000 --> 00:55:48,040
Speaker 4: so if someone wants.

993
00:55:47,880 --> 00:55:49,400
Speaker 2: To do corporate I'm gonna be a entrepreneur.

994
00:55:49,440 --> 00:55:50,440
Speaker 6: You could do that corporate thing?

995
00:55:51,360 --> 00:55:51,800
Speaker 8: Is it just me?

996
00:55:51,920 --> 00:55:56,120
Speaker 4: Nobody says that, you know, righty right? You know, it's

997
00:55:56,200 --> 00:55:59,359
Speaker 4: like yeah, and I again, I operate. It's a wee thing.

998
00:56:00,440 --> 00:56:05,240
Speaker 4: I want more entrepreneurs, I want more people in corporate America.

999
00:56:06,239 --> 00:56:10,160
Speaker 4: I want people participating in the political environment. I want

1000
00:56:10,280 --> 00:56:14,560
Speaker 4: people to be passionate about giving back in philanthropy and activism.

1001
00:56:15,200 --> 00:56:17,360
Speaker 4: The reason why I just share that is because this

1002
00:56:17,520 --> 00:56:20,279
Speaker 4: through line that I'm going to answer, it has nothing

1003
00:56:20,320 --> 00:56:23,320
Speaker 4: to do with your rented vision. It has everything to

1004
00:56:23,360 --> 00:56:27,040
Speaker 4: do with your ownable assets. And whether I am in

1005
00:56:27,160 --> 00:56:30,800
Speaker 4: corporate America or an entrepreneur, I'm still operating with ownable

1006
00:56:30,880 --> 00:56:34,440
Speaker 4: assets because the reality is, even to be an entrepreneur,

1007
00:56:34,880 --> 00:56:36,720
Speaker 4: you're tapping back into corporate America.

1008
00:56:37,680 --> 00:56:40,680
Speaker 2: The reality is, even in corporate America, you're tapping.

1009
00:56:40,440 --> 00:56:44,399
Speaker 4: Into entrepreneurs as you think about your supply chain, as

1010
00:56:44,440 --> 00:56:46,760
Speaker 4: you think about your investment strategy, as you think about

1011
00:56:47,040 --> 00:56:49,200
Speaker 4: new businesses that are being formed that can be accretive

1012
00:56:49,239 --> 00:56:55,320
Speaker 4: to your business. So my advice to me transcends whatever

1013
00:56:55,480 --> 00:56:58,239
Speaker 4: your rented vision is, and that is.

1014
00:57:00,440 --> 00:57:01,319
Speaker 2: Never dim your life.

1015
00:57:02,640 --> 00:57:05,279
Speaker 4: The struggle will be there whether you're an entrepreneur or

1016
00:57:05,360 --> 00:57:09,120
Speaker 4: in corporate there's days people see they think it's all fun,

1017
00:57:09,800 --> 00:57:13,120
Speaker 4: but it's tough to be a leader in corporate America

1018
00:57:13,440 --> 00:57:18,320
Speaker 4: or to start a business. It's important to plan to

1019
00:57:18,440 --> 00:57:20,520
Speaker 4: make sure that you're prepared for the ups and downs.

1020
00:57:20,840 --> 00:57:23,520
Speaker 4: Corporate America does not do a straight line. Entrepreneurship does

1021
00:57:23,560 --> 00:57:27,000
Speaker 4: not run in a straight line. To make sure you

1022
00:57:27,080 --> 00:57:30,480
Speaker 4: surround yourself with a strong team and know that no

1023
00:57:30,600 --> 00:57:31,560
Speaker 4: matter how dope.

1024
00:57:31,360 --> 00:57:33,240
Speaker 2: You are, you don't know everything.

1025
00:57:34,520 --> 00:57:38,320
Speaker 4: Be okay being vulnerable and saying these are my majors.

1026
00:57:38,440 --> 00:57:41,160
Speaker 4: I need to surround myself with people that complemented my

1027
00:57:41,320 --> 00:57:43,880
Speaker 4: minors in order for me to make impact.

1028
00:57:45,520 --> 00:57:47,040
Speaker 2: Stay intellectually curious.

1029
00:57:48,960 --> 00:57:52,120
Speaker 4: Make sure that you lead in a way that can inspire,

1030
00:57:52,280 --> 00:57:55,520
Speaker 4: even if it's a team of one. You have to

1031
00:57:55,680 --> 00:57:59,200
Speaker 4: operate with the vision in mind. You're not looking at

1032
00:57:59,280 --> 00:58:01,360
Speaker 4: I don't look at a company for today. I'm operating

1033
00:58:01,400 --> 00:58:02,960
Speaker 4: with a bigger vision in mind. And I think that's

1034
00:58:03,000 --> 00:58:06,320
Speaker 4: true for entrepreneurship. You're not operating in today. You're operating

1035
00:58:06,320 --> 00:58:08,320
Speaker 4: with a vision in mind, and then you're regressing to

1036
00:58:08,400 --> 00:58:09,920
Speaker 4: say what's the dot to be done today?

1037
00:58:10,640 --> 00:58:12,440
Speaker 2: And so for those of you that are looking.

1038
00:58:12,280 --> 00:58:16,440
Speaker 4: To pursue a career in corporate America, when we need you,

1039
00:58:18,280 --> 00:58:23,360
Speaker 4: we need your ideas, we need your perspective, we need

1040
00:58:23,600 --> 00:58:29,520
Speaker 4: your insight. And it's not your major that's the flex

1041
00:58:30,360 --> 00:58:33,080
Speaker 4: because there's so many people majoring in what you're majoring in.

1042
00:58:33,200 --> 00:58:36,200
Speaker 2: Some of you are in computer science, finance, etc. That's

1043
00:58:36,320 --> 00:58:37,280
Speaker 2: not the unicorn.

1044
00:58:38,440 --> 00:58:42,120
Speaker 4: The unicorn is you, because there is no one like

1045
00:58:42,240 --> 00:58:44,600
Speaker 4: you with your headset, with your background, with your perspective.

1046
00:58:44,640 --> 00:58:47,040
Speaker 4: So what I would also say, especially in corporate America,

1047
00:58:47,840 --> 00:58:50,040
Speaker 4: make sure you're not hiding and only doing the work

1048
00:58:50,560 --> 00:58:52,960
Speaker 4: of being the finance person or the analyst, and you're

1049
00:58:53,000 --> 00:58:56,840
Speaker 4: not bringing your voice to the table, because that's your differentiator.

1050
00:58:57,960 --> 00:59:02,000
Speaker 4: The difference in companies that are accelerating and those are

1051
00:59:02,080 --> 00:59:04,320
Speaker 4: declining is not that they didn't hire people that have

1052
00:59:04,440 --> 00:59:07,760
Speaker 4: finance degrees or their lawyers or their risk managers.

1053
00:59:07,840 --> 00:59:08,880
Speaker 2: That's not the thing.

1054
00:59:09,600 --> 00:59:12,400
Speaker 4: The thing for me is that did I unlock their perspective?

1055
00:59:14,000 --> 00:59:17,720
Speaker 4: And I think, more than ever in corporate America, perspective

1056
00:59:18,520 --> 00:59:22,400
Speaker 4: is the differentiator. How do I think about this is

1057
00:59:22,480 --> 00:59:27,400
Speaker 4: the question not my qualifications, but what did the qualifications

1058
00:59:27,520 --> 00:59:30,680
Speaker 4: yield to honing how I think? And so for corporate America,

1059
00:59:30,680 --> 00:59:32,600
Speaker 4: I would say that. Lastly, I would say, in corporate America,

1060
00:59:32,680 --> 00:59:35,560
Speaker 4: it's not easy. There will be things that you may

1061
00:59:35,640 --> 00:59:37,960
Speaker 4: be passionate in and then you go do your research

1062
00:59:38,000 --> 00:59:40,840
Speaker 4: and you don't see anyone that look like you. Okay,

1063
00:59:41,000 --> 00:59:44,480
Speaker 4: level up, maybe you're the one that's supposed to be

1064
00:59:44,560 --> 00:59:46,280
Speaker 4: the first in order for there to be a second.

1065
00:59:47,560 --> 00:59:50,280
Speaker 4: Don't only go to where you already see yourself if

1066
00:59:50,320 --> 00:59:51,400
Speaker 4: that's not what you love.

1067
00:59:52,640 --> 00:59:54,360
Speaker 2: Say you know what I want to go here. I

1068
00:59:54,480 --> 00:59:56,400
Speaker 2: know it won't be easy, but this is what I

1069
00:59:56,560 --> 01:00:01,000
Speaker 2: love and I will not be denied. Not be denied.

1070
01:00:02,360 --> 01:00:04,920
Speaker 4: You may have a manager that may not be great,

1071
01:00:06,320 --> 01:00:08,960
Speaker 4: but I'm not opting out on my vision for me.

1072
01:00:09,720 --> 01:00:12,040
Speaker 2: So I am using this as an opportunity to flex

1073
01:00:12,160 --> 01:00:14,760
Speaker 2: my skills on how to navigate difference.

1074
01:00:15,680 --> 01:00:17,960
Speaker 4: Change your perspective, because the reality if you want to

1075
01:00:18,000 --> 01:00:20,360
Speaker 4: be a boss, if you want to run a company,

1076
01:00:20,640 --> 01:00:23,160
Speaker 4: if you want to create a company and have a stampower,

1077
01:00:23,960 --> 01:00:27,640
Speaker 4: you better have agility. And by the way, it's really

1078
01:00:27,680 --> 01:00:30,800
Speaker 4: good if you're going through tough moments young, so that

1079
01:00:30,960 --> 01:00:33,280
Speaker 4: as you get older you can say, I've seen this before.

1080
01:00:33,520 --> 01:00:36,480
Speaker 4: I'm not afraid. I'm not afraid. Oh, I've dealt with

1081
01:00:36,560 --> 01:00:37,720
Speaker 4: this kind of person before.

1082
01:00:37,840 --> 01:00:40,560
Speaker 2: I know how to navigate. I'm not going to opt

1083
01:00:40,640 --> 01:00:42,640
Speaker 2: out if this is my dream. No one will deny that.

1084
01:00:43,520 --> 01:00:45,600
Speaker 4: It's on me to look at this as an opportunity

1085
01:00:46,000 --> 01:00:48,360
Speaker 4: to hone my skills because I know I'm going to

1086
01:00:48,400 --> 01:00:50,080
Speaker 4: be running a company one day, so I have to

1087
01:00:50,120 --> 01:00:51,280
Speaker 4: deal with these personalities.

1088
01:00:51,600 --> 01:00:53,400
Speaker 2: So I'm gonna go ahead and figure out how to connect.

1089
01:00:54,560 --> 01:00:58,560
Speaker 4: I would also say, in corporate America, you have to

1090
01:00:59,080 --> 01:01:01,960
Speaker 4: not just look at your to what you're doing. I

1091
01:01:02,080 --> 01:01:04,280
Speaker 4: call it shift F nine or is that old school key?

1092
01:01:05,000 --> 01:01:07,560
Speaker 4: Know the process before, what's coming to you, and know

1093
01:01:07,640 --> 01:01:12,280
Speaker 4: where you're taking it. Make sure you look up, make

1094
01:01:12,360 --> 01:01:14,080
Speaker 4: sure you look to the left and to the right,

1095
01:01:15,440 --> 01:01:20,200
Speaker 4: make sure you show up, go to the office. There's

1096
01:01:20,280 --> 01:01:22,920
Speaker 4: inner generations. You are in a community where there may

1097
01:01:22,960 --> 01:01:23,640
Speaker 4: be people in their.

1098
01:01:23,560 --> 01:01:25,880
Speaker 2: Sixties and seventies. They have so much value.

1099
01:01:27,120 --> 01:01:28,960
Speaker 4: Don't just say I'm just going to hide behind my

1100
01:01:29,080 --> 01:01:31,240
Speaker 4: computer and I'm not. You know, I'm good, I'm producing.

1101
01:01:31,760 --> 01:01:34,760
Speaker 4: Then you're missing the knowledge of someone that's been in

1102
01:01:34,840 --> 01:01:36,440
Speaker 4: this space for thirty forty years.

1103
01:01:37,800 --> 01:01:39,320
Speaker 2: You know that's that's power.

1104
01:01:40,480 --> 01:01:42,200
Speaker 4: So make sure that when you are in the halls

1105
01:01:42,200 --> 01:01:46,240
Speaker 4: of corporate America that you're looking up and you're asking questions.

1106
01:01:47,080 --> 01:01:48,640
Speaker 2: You're talking to people of difference.

1107
01:01:49,040 --> 01:01:50,760
Speaker 4: And one thing I do want to circle back is,

1108
01:01:50,880 --> 01:01:54,920
Speaker 4: you know, I think this is important your mentors and

1109
01:01:55,040 --> 01:01:59,560
Speaker 4: your people that advocate doesn't always mean that they have

1110
01:01:59,680 --> 01:02:03,640
Speaker 4: to look like you. Some of the most impactful people

1111
01:02:03,720 --> 01:02:07,200
Speaker 4: in my life that have advocated for me, that took

1112
01:02:07,240 --> 01:02:11,120
Speaker 4: me to the side, that gave me insight, they were

1113
01:02:11,160 --> 01:02:13,479
Speaker 4: all not women, and they were all not black, and they.

1114
01:02:13,360 --> 01:02:14,480
Speaker 2: Were all not people of color.

1115
01:02:15,440 --> 01:02:18,640
Speaker 4: White men have been my mentors too, and so I

1116
01:02:18,800 --> 01:02:22,520
Speaker 4: do think sometimes you may opt yourself and not lean

1117
01:02:22,600 --> 01:02:26,680
Speaker 4: into the fact that you can be mentored and you

1118
01:02:26,880 --> 01:02:29,480
Speaker 4: can learn from people that don't look like you, and

1119
01:02:29,600 --> 01:02:33,960
Speaker 4: don't assume that they don't want to help. Don't assume

1120
01:02:34,200 --> 01:02:37,080
Speaker 4: that they're not here to help you get better. Be

1121
01:02:37,320 --> 01:02:41,480
Speaker 4: open to the possibility. Even if along the way you

1122
01:02:41,640 --> 01:02:44,560
Speaker 4: may not have someone that looks like you, it doesn't

1123
01:02:44,640 --> 01:02:46,600
Speaker 4: mean that you don't have people that don't care about you.

1124
01:02:47,200 --> 01:02:50,080
Speaker 4: And I think that's really important in an environment that

1125
01:02:50,200 --> 01:02:51,760
Speaker 4: sometimes you might be the only.

1126
01:02:54,480 --> 01:02:55,320
Speaker 6: Oh, it's a lot.

1127
01:02:57,360 --> 01:02:59,840
Speaker 7: My final question as our time is running. You know,

1128
01:03:00,560 --> 01:03:04,200
Speaker 7: music is a universal language that we all understand and appreciate.

1129
01:03:04,680 --> 01:03:08,120
Speaker 7: You know, when we started ernial Lisia, the idea was

1130
01:03:08,240 --> 01:03:13,320
Speaker 7: to use music to decode financial lessons. Yes, so anytime

1131
01:03:13,360 --> 01:03:16,720
Speaker 7: I heard it, I'm like, Okay, that's a lesson on appreciation,

1132
01:03:17,640 --> 01:03:21,400
Speaker 7: that's a lesson on asset allocation, and so we kind

1133
01:03:21,440 --> 01:03:23,800
Speaker 7: of use that as the carrot that I know, you

1134
01:03:23,920 --> 01:03:26,320
Speaker 7: know you guys have partnered with hit Cleve John, Yes,

1135
01:03:26,520 --> 01:03:28,320
Speaker 7: a legend in the world of music. So talk about

1136
01:03:28,320 --> 01:03:30,920
Speaker 7: the partnership and the impact that Temple is going to have.

1137
01:03:31,560 --> 01:03:33,720
Speaker 4: Well, again, let's talk about the context of the why.

1138
01:03:35,280 --> 01:03:39,440
Speaker 4: What's the fact that informed this moment. Forty one percent

1139
01:03:41,240 --> 01:03:44,800
Speaker 4: of young people between the ages of twenty five thirty

1140
01:03:44,880 --> 01:03:50,560
Speaker 4: five are not contributing towards their retirement. Remember y'all's vision

1141
01:03:50,640 --> 01:03:55,080
Speaker 4: of what y'all want, We're not on track. So that

1142
01:03:55,600 --> 01:03:59,800
Speaker 4: stat was staggering. And so then we said, if that

1143
01:04:00,160 --> 01:04:03,320
Speaker 4: is the stat and this is who we are, we

1144
01:04:03,400 --> 01:04:05,440
Speaker 4: want to be a leader in lifetime income. We want

1145
01:04:05,480 --> 01:04:08,600
Speaker 4: people to make sure that they can have a secure retirement.

1146
01:04:09,320 --> 01:04:14,960
Speaker 4: Then how do we bridge And so culture matters to

1147
01:04:15,120 --> 01:04:18,040
Speaker 4: this age group millennials gen Z, y'all tell me if

1148
01:04:18,080 --> 01:04:18,439
Speaker 4: I'm wrong.

1149
01:04:19,320 --> 01:04:20,480
Speaker 2: Culture matters.

1150
01:04:21,600 --> 01:04:29,120
Speaker 4: Culture today transcends ginger race rule, urban suburban culture of

1151
01:04:29,320 --> 01:04:35,680
Speaker 4: music is what is empowering change if done properly. And

1152
01:04:35,800 --> 01:04:39,000
Speaker 4: so what we said is, how do we meet the

1153
01:04:39,120 --> 01:04:43,080
Speaker 4: young people where they are? How can we bring music

1154
01:04:43,480 --> 01:04:47,520
Speaker 4: that can bring people together that can inspire without judgment.

1155
01:04:49,080 --> 01:04:51,800
Speaker 4: How do we bring the message in a way that

1156
01:04:51,920 --> 01:04:54,920
Speaker 4: young people can receive it in a way that can

1157
01:04:55,000 --> 01:04:58,960
Speaker 4: create a dialogue and a conversation. And so the partnership

1158
01:04:59,360 --> 01:05:04,800
Speaker 4: and the engage with Wycliff and this song about Paperwright

1159
01:05:06,280 --> 01:05:09,880
Speaker 4: was the notion of a staggering stat that says, if

1160
01:05:10,080 --> 01:05:12,960
Speaker 4: stack continues, we will not make progress on the overall

1161
01:05:13,040 --> 01:05:15,760
Speaker 4: forty percent number that I told you. And by the way,

1162
01:05:15,840 --> 01:05:19,280
Speaker 4: people are living longer and longevity risk is real. People

1163
01:05:19,400 --> 01:05:22,920
Speaker 4: need to feel confident that they will not outlive their retirement.

1164
01:05:23,600 --> 01:05:27,480
Speaker 2: And so through music and through lyrics.

1165
01:05:27,680 --> 01:05:33,520
Speaker 4: Of their experience, has caused a conversation about this. And

1166
01:05:33,600 --> 01:05:37,400
Speaker 4: what I love about what Zara has done and the

1167
01:05:37,520 --> 01:05:41,840
Speaker 4: marketing team at TIA has done, is that we connected

1168
01:05:41,880 --> 01:05:45,280
Speaker 4: it with what's also important to young people, which is purpose.

1169
01:05:45,880 --> 01:05:51,080
Speaker 4: And so the proceeds is going to help under resource

1170
01:05:51,200 --> 01:05:54,640
Speaker 4: high schools learn about financial security.

1171
01:05:55,440 --> 01:05:58,160
Speaker 2: And so it becomes this circle and all you have

1172
01:05:58,320 --> 01:05:59,919
Speaker 2: to do, are y'all ready for a call to act?

1173
01:06:00,200 --> 01:06:01,920
Speaker 2: And gave y'all a lot of call to actions?

1174
01:06:02,320 --> 01:06:05,440
Speaker 4: All right, but here's another one. All you have to

1175
01:06:05,520 --> 01:06:09,680
Speaker 4: do is stream it, download it. It's on Spotify, Apple,

1176
01:06:09,760 --> 01:06:13,600
Speaker 4: all the music, y'all listen to download it, and when

1177
01:06:13,640 --> 01:06:17,600
Speaker 4: you download it and stream, just that act is providing

1178
01:06:17,720 --> 01:06:21,000
Speaker 4: dollars to an amazing not for profit that's helping young

1179
01:06:21,040 --> 01:06:25,800
Speaker 4: people and under resource communities learn about financial security. And

1180
01:06:25,960 --> 01:06:30,240
Speaker 4: so your inspiration of music inspiring you is also inspiring

1181
01:06:30,280 --> 01:06:32,800
Speaker 4: people that what if we heard this when we were young.

1182
01:06:32,840 --> 01:06:34,680
Speaker 4: I know there's a bunch of high school students here.

1183
01:06:35,000 --> 01:06:36,120
Speaker 4: You're getting that benefit.

1184
01:06:37,120 --> 01:06:40,440
Speaker 2: So paper right, music, it's culture.

1185
01:06:41,680 --> 01:06:48,400
Speaker 4: It spans gender, race, ethnicity, background, parts of town. And

1186
01:06:48,600 --> 01:06:51,720
Speaker 4: our objective at TIA is to make sure that this

1187
01:06:51,880 --> 01:06:55,880
Speaker 4: young generation is having a conversation today about getting your

1188
01:06:55,920 --> 01:06:58,720
Speaker 4: paper right so that you can then have the right

1189
01:06:58,800 --> 01:07:03,360
Speaker 4: building blocks to retire inequality, to be the change, and

1190
01:07:03,480 --> 01:07:06,680
Speaker 4: to make sure that we're transferring.

1191
01:07:06,240 --> 01:07:07,120
Speaker 2: Wealth and not debt.

1192
01:07:07,200 --> 01:07:11,040
Speaker 4: So we are excited about doing something that's relevant, but

1193
01:07:11,160 --> 01:07:14,440
Speaker 4: it's based on an insight, and then it's about how

1194
01:07:14,480 --> 01:07:16,520
Speaker 4: do you then meet the people and get out of

1195
01:07:16,560 --> 01:07:17,200
Speaker 4: our own way.

1196
01:07:17,400 --> 01:07:19,760
Speaker 2: The older people and I don't know about all that.

1197
01:07:19,920 --> 01:07:22,120
Speaker 4: We didn't have all that music and we invested our money,

1198
01:07:22,160 --> 01:07:25,880
Speaker 4: well you not them. So sometimes it's about us calibrating

1199
01:07:26,280 --> 01:07:29,440
Speaker 4: and challenging our own thinking in order to make impact,

1200
01:07:29,880 --> 01:07:33,640
Speaker 4: and that means sometimes getting uncomfortable, But getting uncomfortable is

1201
01:07:33,640 --> 01:07:36,960
Speaker 4: where progress resides. And we know that we have an

1202
01:07:37,040 --> 01:07:41,480
Speaker 4: uncomfortable situation with that stat and so bringing an inspirational music,

1203
01:07:41,920 --> 01:07:44,600
Speaker 4: partnering with some pretty amazing people that's connecting with this

1204
01:07:44,760 --> 01:07:47,840
Speaker 4: generation is with intent and it's with purpose, and for that,

1205
01:07:48,000 --> 01:07:50,360
Speaker 4: I'm really excited about it, and I'm excited of you

1206
01:07:50,480 --> 01:07:52,160
Speaker 4: all being able to hear the song but listen to

1207
01:07:52,240 --> 01:07:55,560
Speaker 4: the lyrics and create a dialogue within your cells on

1208
01:07:55,680 --> 01:07:57,880
Speaker 4: what is your story and then what do you need

1209
01:07:57,960 --> 01:08:00,560
Speaker 4: to do to get your paperwright to make sure that

1210
01:08:00,640 --> 01:08:03,800
Speaker 4: you can retire with dignity and transfer wealth to the

1211
01:08:03,880 --> 01:08:04,920
Speaker 4: next generation.

1212
01:08:06,280 --> 01:08:06,680
Speaker 6: That you have.

1213
01:08:06,880 --> 01:08:08,880
Speaker 5: Ladies and gentlemen, make some more infus to John the

1214
01:08:09,040 --> 01:08:10,120
Speaker 5: Brown tuck it.

1215
01:08:10,640 --> 01:08:12,840
Speaker 6: Thank you we got for me Chile. Appreciate you so much.

1216
01:08:13,000 --> 01:08:13,280
Speaker 4: Thank you.

1217
01:08:13,720 --> 01:08:17,320
Speaker 1: An illegal alien from Guatemala charged with raping a child

1218
01:08:17,400 --> 01:08:21,200
Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

1219
01:08:21,439 --> 01:08:25,560
Speaker 1: accused of murdering a Texas man of Venezuelan charged with

1220
01:08:25,680 --> 01:08:29,519
Speaker 1: filming and selling child pornography in Michigan. These are just

1221
01:08:29,640 --> 01:08:33,400
Speaker 1: some of the heinous migrant criminals caught because of President

1222
01:08:33,439 --> 01:08:33,840
Speaker 1: Donald J.

1223
01:08:33,960 --> 01:08:36,360
Speaker 2: Trump's leadership. I'm Christy nom the.

1224
01:08:36,439 --> 01:08:41,000
Speaker 1: United States Secretary of Homeland Security. Under President Trump, attempted

1225
01:08:41,080 --> 01:08:44,719
Speaker 1: illegal border crossings are at the lowest levels ever recorded,

1226
01:08:45,080 --> 01:08:48,040
Speaker 1: and over one hundred thousand illegal aliens have been arrested.

1227
01:08:48,400 --> 01:08:51,920
Speaker 1: If you are here illegally, your next you will be

1228
01:08:52,000 --> 01:08:55,839
Speaker 1: fine nearly one thousand dollars a day. Imprisoned and deported,

1229
01:08:56,320 --> 01:08:59,519
Speaker 1: you will never return. But if you register using our

1230
01:08:59,600 --> 01:09:02,759
Speaker 1: CBPKE home app and leave now, you could be allowed

1231
01:09:02,840 --> 01:09:03,799
Speaker 1: to return legally.

1232
01:09:04,200 --> 01:09:06,240
Speaker 2: Do what's right. Leave now.

1233
01:09:06,760 --> 01:09:11,040
Speaker 1: Under President Trump, America's laws, border and families.

1234
01:09:10,720 --> 01:09:11,519
Speaker 2: Will be protected.

1235
01:09:11,640 --> 01:09:14,280
Speaker 3: Sponsored by the United States Department of Homeland Security Earners.

1236
01:09:14,320 --> 01:09:14,800
Speaker 6: What's going on?

1237
01:09:15,040 --> 01:09:19,599
Speaker 8: Listen, EYLU is relaunching, revamping, retoom. That's why we're creating

1238
01:09:19,720 --> 01:09:22,439
Speaker 8: a new educational experience that's more expensive.

1239
01:09:22,640 --> 01:09:26,000
Speaker 6: Shoty telling we got Yes twenty twenty three. We've got

1240
01:09:26,080 --> 01:09:28,040
Speaker 6: a lot. It's still a lot playing for you guys.

1241
01:09:28,320 --> 01:09:32,200
Speaker 9: So you know that EYLU already includes monthly financial planning

1242
01:09:32,240 --> 01:09:35,360
Speaker 9: calls with Me, book club calls with Troy, real estate

1243
01:09:35,439 --> 01:09:38,200
Speaker 9: calls with MG to Mortgage. Got access to the Home

1244
01:09:38,280 --> 01:09:41,519
Speaker 9: Buying Blueprint Volume one and Volume two. Part of the

1245
01:09:41,640 --> 01:09:45,479
Speaker 9: revamp will include twenty seven local chapters from across the

1246
01:09:45,640 --> 01:09:49,600
Speaker 9: United States, live interactive teaching, hands on, not just pre

1247
01:09:49,720 --> 01:09:54,240
Speaker 9: recorded videos, plus fifteen brand new curriculums.

1248
01:09:54,600 --> 01:09:59,519
Speaker 8: The biggest just got Viger. Head over to Eyluniversity dot com,

1249
01:10:00,200 --> 01:10:04,200
Speaker 8: e y l U n I V E R s

1250
01:10:04,360 --> 01:10:06,559
Speaker 8: I t y dot com.

1251
01:10:07,320 --> 01:10:07,840
Speaker 3: See you there,