1 00:00:05,360 --> 00:00:06,920 Speaker 1: Welcome to Money Making Conversations. 2 00:00:07,000 --> 00:00:07,920 Speaker 2: It's the show that she is the. 3 00:00:07,920 --> 00:00:11,160 Speaker 1: Secrets of success experience firsthand by marketing and Brandon expert 4 00:00:11,280 --> 00:00:13,960 Speaker 1: Rashan McDonald. I will know he's given me advice on 5 00:00:14,000 --> 00:00:17,000 Speaker 1: many occasions. And in case you didn't notice, I'm not broke. 6 00:00:17,560 --> 00:00:20,479 Speaker 1: You know he'll be interviewing with celebrity CEOs, entrepreneurs and 7 00:00:20,520 --> 00:00:22,880 Speaker 1: industry decision make because it's what he likes to do, 8 00:00:23,079 --> 00:00:25,479 Speaker 1: it's what he likes to share. Now it's time to 9 00:00:25,520 --> 00:00:29,080 Speaker 1: hear from my man, Rashan McDonald money Making Conversations. 10 00:00:29,320 --> 00:00:29,880 Speaker 2: There we go. 11 00:00:30,600 --> 00:00:33,239 Speaker 3: Wow, thank you very much for that introduction. High I'm 12 00:00:33,320 --> 00:00:36,560 Speaker 3: Rushan McDonald. I host this show every week. Money Making 13 00:00:36,600 --> 00:00:40,839 Speaker 3: Conversation Masterclass has always stated the interviews and information that 14 00:00:40,920 --> 00:00:43,680 Speaker 3: this show provides is for you or for you, and 15 00:00:43,720 --> 00:00:46,120 Speaker 3: it's time to start reading other people's success stories and 16 00:00:46,159 --> 00:00:48,040 Speaker 3: start living your own. I said it a lot. I 17 00:00:48,080 --> 00:00:52,000 Speaker 3: also say that age should never be an excuse. A 18 00:00:52,000 --> 00:00:54,120 Speaker 3: lot of people race to get old and then when 19 00:00:54,120 --> 00:00:55,960 Speaker 3: they get old, they decide they want to retire. I 20 00:00:55,960 --> 00:00:58,040 Speaker 3: don't know what you're retiring to because it's definitely not 21 00:00:58,080 --> 00:01:00,000 Speaker 3: going to be their social Security chair. 22 00:01:00,640 --> 00:01:01,800 Speaker 2: That the government's given you. 23 00:01:01,880 --> 00:01:04,840 Speaker 3: So know that the entrepreneurial spirit should be alive and 24 00:01:04,880 --> 00:01:07,240 Speaker 3: well in you in order for you to achieve success. 25 00:01:07,800 --> 00:01:13,360 Speaker 3: I show today I have some entrepreneurs wants a female organization, 26 00:01:13,440 --> 00:01:17,520 Speaker 3: said female organization. She's a female brand, a brand in 27 00:01:17,560 --> 00:01:23,600 Speaker 3: the financial industry, financial stock market, banking community. And the 28 00:01:23,640 --> 00:01:26,479 Speaker 3: other one is a popcorn Remix. Two guys who are 29 00:01:26,520 --> 00:01:31,040 Speaker 3: started a gomet popcorn service that's exploding in the Atlanta 30 00:01:31,160 --> 00:01:35,119 Speaker 3: and online community called Popcorn Remix. My guest today are 31 00:01:35,480 --> 00:01:38,160 Speaker 3: Sonya Fears. She's up the Fears Group at Morgan Stanley. 32 00:01:38,480 --> 00:01:41,880 Speaker 3: Sonya Lea's an all black wealth management team at Morgan Stanley. 33 00:01:42,280 --> 00:01:44,920 Speaker 3: And I was, like I said earlier, Greg Bowman and 34 00:01:45,040 --> 00:01:48,720 Speaker 3: Ryan Richmond are the owners of Popcorn Remix. Now let's 35 00:01:48,720 --> 00:01:51,480 Speaker 3: get started. Sonya, She's on the line. She's on the 36 00:01:51,520 --> 00:01:54,639 Speaker 3: show to kill a lot of financial stereotypes by blacks 37 00:01:54,640 --> 00:01:57,360 Speaker 3: in the financial community. She wants to recap many of 38 00:01:57,360 --> 00:02:01,240 Speaker 3: her recent successful financial stories from listeners based on her 39 00:02:01,280 --> 00:02:06,160 Speaker 3: recent visit to WCOKA. She's the first vice president Financial Advisors, 40 00:02:06,240 --> 00:02:10,400 Speaker 3: Senior portfolio Manager, Alternative Investment director in Global Sports and 41 00:02:10,520 --> 00:02:14,760 Speaker 3: Entertainment director. One of the leading financial experts come on now, 42 00:02:15,000 --> 00:02:20,640 Speaker 3: experts in discussing stocks, savings programs, compound and interest portfolios, name, 43 00:02:20,720 --> 00:02:22,639 Speaker 3: image and likeness. You hear that a lot when you're 44 00:02:22,639 --> 00:02:26,160 Speaker 3: dealing with college athletes and lines of credit. Sony has 45 00:02:26,280 --> 00:02:29,160 Speaker 3: Sonya has built a family practice at Morgan Stanley along 46 00:02:29,200 --> 00:02:33,200 Speaker 3: with her two daughters. They provide alternative investment opportunities. Please 47 00:02:33,240 --> 00:02:36,440 Speaker 3: welcome to the Money Making Conversation Masterclass, Sonya Fears. 48 00:02:36,440 --> 00:02:39,960 Speaker 4: How are you doing, Sonya doing well? 49 00:02:39,639 --> 00:02:42,679 Speaker 5: Well, it's a pleasure to be back with you. Thank 50 00:02:42,720 --> 00:02:43,400 Speaker 5: you for having me. 51 00:02:43,480 --> 00:02:45,360 Speaker 3: Well, you know you've been out of you come on 52 00:02:45,360 --> 00:02:47,680 Speaker 3: my show and then you burn up the phone lines 53 00:02:47,720 --> 00:02:50,400 Speaker 3: and people calling you, and then don't hear from you 54 00:02:50,440 --> 00:02:52,560 Speaker 3: for a couple of months, and I was wondering if 55 00:02:52,560 --> 00:02:56,360 Speaker 3: we had a relationship on the air anymore. I'm happy 56 00:02:56,360 --> 00:02:58,120 Speaker 3: to get you back on the air, even busy. 57 00:02:58,639 --> 00:03:01,360 Speaker 5: I've been busy, and have to say, just being on 58 00:03:01,400 --> 00:03:05,040 Speaker 5: your show, it's been incredible. The response that I've gotten 59 00:03:05,600 --> 00:03:07,320 Speaker 5: just totally blew my mind. 60 00:03:07,800 --> 00:03:12,720 Speaker 4: People are listening, They really are now Now Fears, you're 61 00:03:12,760 --> 00:03:16,320 Speaker 4: with Morgan Stanley and like your group, your organization or 62 00:03:16,320 --> 00:03:18,960 Speaker 4: your business, the Fears Group is a part how to 63 00:03:18,960 --> 00:03:21,400 Speaker 4: tell us how that dynamic works with Morgan Stanley. 64 00:03:21,840 --> 00:03:26,160 Speaker 5: Okay, with Morgan Stanley just like many other brokerage firms 65 00:03:26,320 --> 00:03:31,440 Speaker 5: on Wall Street, the teams are like their own businesses 66 00:03:31,760 --> 00:03:36,480 Speaker 5: under the Morgan Stanley umbrella. So the Fears Group is 67 00:03:36,680 --> 00:03:42,920 Speaker 5: my own business. My team is my business within Morgan Stanley. 68 00:03:43,960 --> 00:03:45,760 Speaker 3: So how does one get in touch with you? Because 69 00:03:45,760 --> 00:03:49,560 Speaker 3: you know I'm assuming that Morgan Stanley advertisers, And how 70 00:03:49,600 --> 00:03:51,640 Speaker 3: does one find Fears Group? 71 00:03:51,720 --> 00:03:54,280 Speaker 2: Is there a number one can call it? 72 00:03:54,400 --> 00:03:58,600 Speaker 5: Sure is? They can call me at four to seven 73 00:03:58,800 --> 00:04:05,920 Speaker 5: zero four four nine zero eight one two and that's 74 00:04:05,960 --> 00:04:08,800 Speaker 5: directly to my team, to the Fears Group. 75 00:04:09,160 --> 00:04:12,400 Speaker 3: Okay, and you know, let's slow this down, you know, 76 00:04:12,480 --> 00:04:15,680 Speaker 3: because you know I came to your office, sat down 77 00:04:15,760 --> 00:04:17,240 Speaker 3: and said, look, I like for you to come on 78 00:04:17,279 --> 00:04:19,560 Speaker 3: my show. And the reason I wanted to come on 79 00:04:19,839 --> 00:04:22,520 Speaker 3: only my show because you know, black people when it 80 00:04:22,520 --> 00:04:24,760 Speaker 3: comes to the information, were all the last. 81 00:04:24,800 --> 00:04:27,120 Speaker 2: That's that's the truth. That's just the fact. 82 00:04:27,200 --> 00:04:30,400 Speaker 3: You know, last hire first, let go, you know, last 83 00:04:30,440 --> 00:04:32,720 Speaker 3: in the stock market line, first to die from COVID 84 00:04:32,760 --> 00:04:36,839 Speaker 3: because we don't understand about the ways you can protect 85 00:04:36,880 --> 00:04:39,400 Speaker 3: yourself from things of that. You know, and we get 86 00:04:39,440 --> 00:04:42,720 Speaker 3: stereotype as being a race of people who don't know 87 00:04:42,720 --> 00:04:46,840 Speaker 3: how to invest, know about banking. How do you overcome 88 00:04:46,880 --> 00:04:51,000 Speaker 3: those stereotypes being a personal color just like me talking 89 00:04:51,000 --> 00:04:55,520 Speaker 3: about there is business opportunities in the black community. 90 00:04:56,440 --> 00:05:02,520 Speaker 5: It's by education and getting the information out and being 91 00:05:02,560 --> 00:05:08,440 Speaker 5: on this show one I was not surprised that I 92 00:05:08,480 --> 00:05:12,320 Speaker 5: got the reaction that I did before getting off the 93 00:05:12,360 --> 00:05:15,960 Speaker 5: phone or the radio. The last time I had twenty 94 00:05:16,000 --> 00:05:21,760 Speaker 5: five calls. People want to know and understand not only 95 00:05:21,839 --> 00:05:25,880 Speaker 5: how to invest our community does, but they want to 96 00:05:25,960 --> 00:05:30,160 Speaker 5: understand what are the things that they can do to 97 00:05:30,320 --> 00:05:35,200 Speaker 5: guide their children to build wealth. They want to understand 98 00:05:35,240 --> 00:05:40,560 Speaker 5: what compounding interest is. There's a lot of myths out 99 00:05:40,600 --> 00:05:44,240 Speaker 5: there that we don't want this information. We want it, 100 00:05:44,720 --> 00:05:48,000 Speaker 5: and once we get the information in our community, we 101 00:05:48,040 --> 00:05:53,960 Speaker 5: put it to work. The fact is, and we see it. 102 00:05:54,400 --> 00:05:59,400 Speaker 5: We have young people that are making incredible amounts of money, 103 00:06:00,080 --> 00:06:03,359 Speaker 5: but they don't have the background or the guidance or 104 00:06:03,360 --> 00:06:07,479 Speaker 5: the experience to tell them there's resource out there to 105 00:06:07,600 --> 00:06:11,920 Speaker 5: help you manage this, invest this and grow your wealth 106 00:06:11,960 --> 00:06:13,040 Speaker 5: for the next generation. 107 00:06:13,839 --> 00:06:14,920 Speaker 2: And that's really the key. 108 00:06:15,520 --> 00:06:17,880 Speaker 3: Well, there are two different people we're talking about I 109 00:06:18,040 --> 00:06:19,800 Speaker 3: like to be my audience is a little bit older, 110 00:06:19,880 --> 00:06:23,000 Speaker 3: so we're probably talking to some of the parents, maybe 111 00:06:23,000 --> 00:06:26,560 Speaker 3: even the grandparents of these young people that you're talking to. 112 00:06:27,040 --> 00:06:30,279 Speaker 3: And also we're still talking about people in their thirty 113 00:06:30,279 --> 00:06:34,080 Speaker 3: five to forty five range who can start investing for 114 00:06:34,160 --> 00:06:37,960 Speaker 3: long term opportunities, and also people who are near retirement 115 00:06:37,960 --> 00:06:41,840 Speaker 3: and can instead invest for retirement opportunity, because I think 116 00:06:41,880 --> 00:06:44,160 Speaker 3: that's the myth right there, Sonia, that when you get 117 00:06:44,200 --> 00:06:45,719 Speaker 3: a certain age you can't invest. 118 00:06:46,680 --> 00:06:48,600 Speaker 2: Can you just spell that on my show? 119 00:06:50,400 --> 00:06:55,159 Speaker 5: Absolutely at fifty five years old. At fifty years old. 120 00:06:55,240 --> 00:06:58,680 Speaker 5: I actually have someone that called me and they were 121 00:06:58,720 --> 00:07:02,960 Speaker 5: in their fifties and they felt totally lost. They hadn't 122 00:07:03,000 --> 00:07:07,120 Speaker 5: done anything, and they wanted help. You have to think 123 00:07:07,480 --> 00:07:14,160 Speaker 5: that at fifty five, if you're going to live till ninety, right, 124 00:07:14,360 --> 00:07:19,480 Speaker 5: have thirty five years to be able to invest and 125 00:07:19,560 --> 00:07:23,760 Speaker 5: have your money work for you. So it's not too late, 126 00:07:24,120 --> 00:07:27,080 Speaker 5: but you have to start, and you have to just 127 00:07:27,240 --> 00:07:29,600 Speaker 5: like you go to the doctor. People go to the 128 00:07:29,680 --> 00:07:34,080 Speaker 5: doctor for every little thing, and some things are bigger 129 00:07:34,080 --> 00:07:37,600 Speaker 5: than others. But you need guidance and you need a 130 00:07:37,640 --> 00:07:41,480 Speaker 5: professional to make sure that you're doing this right, so 131 00:07:41,520 --> 00:07:45,760 Speaker 5: that you can be successful and that wound heals properly 132 00:07:46,280 --> 00:07:50,440 Speaker 5: and that it's last. And that's what a financial professional 133 00:07:50,840 --> 00:07:51,480 Speaker 5: does for you. 134 00:07:51,800 --> 00:07:52,400 Speaker 2: I love it. 135 00:07:52,840 --> 00:07:55,240 Speaker 3: I never heard it said that way. I never heard 136 00:07:55,240 --> 00:07:58,280 Speaker 3: you said that way, Sonya. We need a financial doctor. 137 00:07:58,840 --> 00:08:02,640 Speaker 3: We need somebody with the call. You know, when we 138 00:08:02,840 --> 00:08:05,440 Speaker 3: when I when I when our opportunities to make money 139 00:08:05,520 --> 00:08:08,760 Speaker 3: aren't doing well, when we opportunity to invest money, we 140 00:08:08,880 --> 00:08:09,640 Speaker 3: needs guidance. 141 00:08:09,680 --> 00:08:11,640 Speaker 2: We need just like we need when we have a 142 00:08:11,720 --> 00:08:13,760 Speaker 2: problem with the eyeballs. What we do. 143 00:08:13,800 --> 00:08:16,400 Speaker 3: We go to optometry, have problem with our teeth, we 144 00:08:16,440 --> 00:08:18,679 Speaker 3: go to a dentist. We are problem with our health, 145 00:08:18,760 --> 00:08:20,920 Speaker 3: we go to a doctor. Well, guess what on the 146 00:08:20,920 --> 00:08:23,480 Speaker 3: call today we got son your fires She's your financial doctor. 147 00:08:23,880 --> 00:08:26,520 Speaker 3: I can only say it that way. The way I'm 148 00:08:26,520 --> 00:08:29,440 Speaker 3: just I'm just reiterating what you just said, you know, 149 00:08:29,520 --> 00:08:32,200 Speaker 3: because I just know that people need to hear the truth. 150 00:08:32,480 --> 00:08:34,640 Speaker 3: And the truth is is that when I when I 151 00:08:34,679 --> 00:08:38,520 Speaker 3: started Money Making Conversations Masterclass, you know, I'll be honest, 152 00:08:38,559 --> 00:08:40,160 Speaker 3: I didn't know how I was going to present the 153 00:08:40,200 --> 00:08:43,040 Speaker 3: content to the general public. I just know that if 154 00:08:43,040 --> 00:08:47,480 Speaker 3: I keep pounding my audience with information, keep pounding my 155 00:08:47,600 --> 00:08:51,480 Speaker 3: audience with legitimate people that they could reach and also 156 00:08:52,080 --> 00:08:56,520 Speaker 3: verify what I'm saying can assist them. All you can 157 00:08:56,559 --> 00:08:58,800 Speaker 3: do is just research, and I feel that that's what 158 00:08:58,800 --> 00:08:59,760 Speaker 3: this call is about. 159 00:09:00,160 --> 00:09:01,720 Speaker 2: Research. Research, research. 160 00:09:02,040 --> 00:09:04,400 Speaker 3: And one of the places you start in a resource 161 00:09:04,960 --> 00:09:09,200 Speaker 3: is by calling a resource and I consider what you're offering. 162 00:09:09,720 --> 00:09:12,600 Speaker 3: Interfears group Resources corrects on you. 163 00:09:13,640 --> 00:09:17,080 Speaker 5: That's correct, that's correct, that is exactly what we're offering. 164 00:09:17,559 --> 00:09:22,120 Speaker 5: The resources that we have. We can help someone that 165 00:09:22,280 --> 00:09:26,600 Speaker 5: have a trust and that they don't feel that it 166 00:09:26,640 --> 00:09:30,640 Speaker 5: was prepared properly, that their wishes and all that they 167 00:09:30,800 --> 00:09:34,559 Speaker 5: wanted in that trust wasn't in it. We can have 168 00:09:34,679 --> 00:09:41,000 Speaker 5: that analyzed by trust specialists, attorneys that are employees and 169 00:09:41,040 --> 00:09:45,760 Speaker 5: a resource to our achievements. We can help someone that 170 00:09:46,160 --> 00:09:49,880 Speaker 5: is nearing retirement that don't feel that they have enough 171 00:09:49,920 --> 00:09:54,360 Speaker 5: money to retire. Let's analyze that for you. Let's tell 172 00:09:54,440 --> 00:09:58,520 Speaker 5: you if there's a gap in your savings, if you 173 00:09:58,600 --> 00:10:04,880 Speaker 5: are cash flow needs. Now we'll meet what you will 174 00:10:04,920 --> 00:10:09,280 Speaker 5: do in retirement. Let us help guide you so that 175 00:10:09,480 --> 00:10:14,040 Speaker 5: you know exactly what your options are. We've had people 176 00:10:14,080 --> 00:10:19,600 Speaker 5: who have done the mergers and acquisitions that negotiated deals 177 00:10:19,600 --> 00:10:23,400 Speaker 5: for foreign countries. They don't have a financial advisor and 178 00:10:23,559 --> 00:10:27,600 Speaker 5: don't quite know what all their options are. But if 179 00:10:27,720 --> 00:10:30,600 Speaker 5: they are doing the right things to be able to 180 00:10:30,679 --> 00:10:33,280 Speaker 5: retire comfortably, that's what we do. 181 00:10:34,400 --> 00:10:34,679 Speaker 2: Wow. 182 00:10:35,200 --> 00:10:38,800 Speaker 3: You know, when I sit around, I think about life 183 00:10:38,840 --> 00:10:41,960 Speaker 3: in general, you know, because we're all on a ticking clock, 184 00:10:42,200 --> 00:10:44,280 Speaker 3: you know, t t tic tick when you wake up, 185 00:10:44,480 --> 00:10:45,920 Speaker 3: tic tic tick when you want to be a tic 186 00:10:45,960 --> 00:10:49,400 Speaker 3: tic tic tictick. And you know, I was reading where 187 00:10:49,520 --> 00:10:52,120 Speaker 3: you know, and I think that when we get messed 188 00:10:52,200 --> 00:10:54,400 Speaker 3: up is we could call up in our love financial 189 00:10:54,400 --> 00:10:57,160 Speaker 3: world and I realize that everybody has the same problems, 190 00:10:57,559 --> 00:11:01,320 Speaker 3: but which separates people from the having the same problems 191 00:11:01,480 --> 00:11:06,040 Speaker 3: is advice where you can turn for support, where you 192 00:11:06,040 --> 00:11:09,480 Speaker 3: can turn to be able to invest. And in the 193 00:11:09,520 --> 00:11:12,480 Speaker 3: black community, when you when I called, when you came 194 00:11:12,559 --> 00:11:14,840 Speaker 3: on the show w c OK, which is my home 195 00:11:14,880 --> 00:11:19,480 Speaker 3: station in Atlanta, Georgia, did you did you did you 196 00:11:19,520 --> 00:11:22,840 Speaker 3: expect the response that you got from the black community. 197 00:11:23,080 --> 00:11:27,320 Speaker 5: I did. I was not surprised. You know. The fact is, 198 00:11:27,400 --> 00:11:32,920 Speaker 5: for Shon, we as a people, as a community, we're 199 00:11:33,000 --> 00:11:37,480 Speaker 5: yearning for the information right right, and as a community, 200 00:11:38,440 --> 00:11:43,240 Speaker 5: we tend to act on information that we're giving that 201 00:11:43,280 --> 00:11:46,959 Speaker 5: we've been yearning for. A lot of this information people 202 00:11:47,040 --> 00:11:50,880 Speaker 5: just don't feel is readily available and out there. They 203 00:11:50,880 --> 00:11:55,480 Speaker 5: don't think that people like myself and my teams exist, 204 00:11:56,480 --> 00:11:59,720 Speaker 5: and they feel that they have to go to other 205 00:11:59,720 --> 00:12:03,800 Speaker 5: people that they don't trust completely. Right, I was not 206 00:12:04,000 --> 00:12:10,640 Speaker 5: surprised because I know that one as a people, we've 207 00:12:10,720 --> 00:12:15,240 Speaker 5: done the hard work. You know, from nothing, we built 208 00:12:15,440 --> 00:12:20,320 Speaker 5: so much. It's just getting the information and the education 209 00:12:20,840 --> 00:12:24,719 Speaker 5: to help guide us to what to do next. I'm 210 00:12:24,760 --> 00:12:26,000 Speaker 5: not surprised at all. 211 00:12:26,360 --> 00:12:28,040 Speaker 2: You know, I'm happy to hear that. 212 00:12:28,160 --> 00:12:30,920 Speaker 3: I'm happy to hear that because you know, when you 213 00:12:31,000 --> 00:12:33,360 Speaker 3: when you talk about us, we're always marching. Like I 214 00:12:34,120 --> 00:12:36,920 Speaker 3: was reading an article or listening driving and listening to radio. 215 00:12:37,040 --> 00:12:40,520 Speaker 3: You know, you know, the anniversary of the march on Washington, 216 00:12:40,640 --> 00:12:42,160 Speaker 3: I think it's the end of this money. They calling 217 00:12:42,280 --> 00:12:46,840 Speaker 3: us to go march in Washington again and show community. Well, 218 00:12:46,880 --> 00:12:50,400 Speaker 3: I wish somebody would say, come march over here and 219 00:12:50,480 --> 00:12:53,000 Speaker 3: we can help you out with your findance. Nobody ever 220 00:12:53,080 --> 00:12:56,560 Speaker 3: call that march the financial march, the financial march, you know, 221 00:12:57,080 --> 00:13:01,000 Speaker 3: the low interest rate March, the compound that interest March. 222 00:13:01,320 --> 00:13:04,640 Speaker 3: Nobody's ever saying that. And so that's the part that 223 00:13:04,800 --> 00:13:07,559 Speaker 3: we need to understand. They call us to vote, they 224 00:13:07,559 --> 00:13:10,079 Speaker 3: call us the march, they call us the protest, but 225 00:13:10,120 --> 00:13:14,120 Speaker 3: nobody's ever calling black people to march in there for 226 00:13:14,160 --> 00:13:16,440 Speaker 3: a better interest rate, to march in there for a 227 00:13:16,480 --> 00:13:19,640 Speaker 3: better home loan, to march in there for compounding interest, 228 00:13:19,760 --> 00:13:22,160 Speaker 3: to march in there to teach you how to vote, 229 00:13:22,200 --> 00:13:24,920 Speaker 3: how to not vote, how to how to buy stock? 230 00:13:25,840 --> 00:13:28,000 Speaker 2: Can we end that? And how do we do that? 231 00:13:29,240 --> 00:13:38,200 Speaker 3: I'm gonna call it right here, doctor Sonya fears. 232 00:13:35,160 --> 00:13:38,800 Speaker 5: And thank you for that, Thank you for that one 233 00:13:39,160 --> 00:13:44,120 Speaker 5: you know to start, Please give our team a call 234 00:13:44,160 --> 00:13:48,400 Speaker 5: right four seven h four four nine zero eight one 235 00:13:48,480 --> 00:13:54,240 Speaker 5: two two get started. If you have one thousand dollars, 236 00:13:54,600 --> 00:13:58,440 Speaker 5: ten thousand dollars, one hundred thousand dollars, or even a 237 00:13:58,520 --> 00:14:02,920 Speaker 5: million dollars that you say, let us help you build 238 00:14:03,000 --> 00:14:08,120 Speaker 5: that well, let us help you analyze what retirement to 239 00:14:08,280 --> 00:14:11,520 Speaker 5: look like for you, what the next five years can 240 00:14:11,559 --> 00:14:15,480 Speaker 5: look like for you. Let us guide you on buying 241 00:14:15,800 --> 00:14:19,480 Speaker 5: that next home. Let us talk to you about whether 242 00:14:19,600 --> 00:14:23,480 Speaker 5: or not you should refinance. Let us analyze whether or 243 00:14:23,520 --> 00:14:26,720 Speaker 5: not you have a gap in your savings so that 244 00:14:26,840 --> 00:14:32,040 Speaker 5: you can retire at sixty five, sixty seven, or even 245 00:14:32,160 --> 00:14:32,960 Speaker 5: fifty five. 246 00:14:33,640 --> 00:14:36,600 Speaker 3: I like that fifty five for retire, you know what 247 00:14:36,640 --> 00:14:38,680 Speaker 3: I mean. And I've retired to stand on the jar 248 00:14:38,840 --> 00:14:42,080 Speaker 3: for thirty years. You know, not sitting over there worrying 249 00:14:42,080 --> 00:14:46,000 Speaker 3: about your four to one is matched. You're controlling your destiny. 250 00:14:46,240 --> 00:14:48,160 Speaker 3: And I think that's the big story we're having right here. 251 00:14:48,280 --> 00:14:51,440 Speaker 3: I'm on a call today is Sonya Fears. She's the 252 00:14:51,480 --> 00:14:55,520 Speaker 3: founder and president owner of the Fears Group, which is 253 00:14:55,560 --> 00:14:59,160 Speaker 3: out of Morgan Stanley, and basically she's on the show 254 00:14:59,200 --> 00:15:02,040 Speaker 3: to kill stereotime. It's about the black community. Wanted to 255 00:15:02,080 --> 00:15:06,320 Speaker 3: invest empowering the black community with information about financial services. 256 00:15:06,600 --> 00:15:08,120 Speaker 2: Again, we'll be right back with her, and. 257 00:15:08,120 --> 00:15:10,600 Speaker 3: When you come back, I want you to do that 258 00:15:10,720 --> 00:15:12,680 Speaker 3: compound and interest story that you told us about. I 259 00:15:12,720 --> 00:15:15,640 Speaker 3: remember the one of the thirty thousand you started this age. 260 00:15:15,960 --> 00:15:18,040 Speaker 3: Did you still have you still have the paperwork on that? 261 00:15:18,280 --> 00:15:18,600 Speaker 2: Sonya? 262 00:15:19,040 --> 00:15:19,720 Speaker 5: Absolutely? 263 00:15:19,840 --> 00:15:20,320 Speaker 2: Absolutely. 264 00:15:20,360 --> 00:15:23,280 Speaker 3: We come back and again again, what's the what's your 265 00:15:23,320 --> 00:15:24,400 Speaker 3: what's the number to reach you at? 266 00:15:24,440 --> 00:15:25,920 Speaker 2: One more time before we go to break. 267 00:15:26,520 --> 00:15:31,080 Speaker 5: It's four to seven zero or four to nine zero 268 00:15:31,240 --> 00:15:32,640 Speaker 5: eight one two. 269 00:15:33,520 --> 00:15:35,560 Speaker 3: It's time for all of us to get our financial 270 00:15:35,560 --> 00:15:37,400 Speaker 3: game together. I'll be right back with more money Making 271 00:15:37,400 --> 00:15:42,560 Speaker 3: Conversation master Class. 272 00:15:43,840 --> 00:15:47,440 Speaker 5: We'll be right back with more money Making Conversations Masterclass 273 00:15:47,440 --> 00:15:48,720 Speaker 5: with Rashawn McDonald. 274 00:15:50,520 --> 00:15:53,960 Speaker 6: You are now tuned into the money Making Conversations. Minute 275 00:15:54,000 --> 00:15:56,080 Speaker 6: of Inspiration with Rashawn McDonald. 276 00:15:56,160 --> 00:15:58,440 Speaker 3: Comedian Kim Coles is known for her famous role as 277 00:15:58,480 --> 00:16:01,240 Speaker 3: a cast member on the hit TV series Living Single. 278 00:16:01,360 --> 00:16:02,680 Speaker 2: Now, Kim has been sharing. 279 00:16:02,400 --> 00:16:05,680 Speaker 3: Her gifts of public speaking, motivation, and training leaders in 280 00:16:05,720 --> 00:16:08,359 Speaker 3: community groups, companies, and women conferences. 281 00:16:08,400 --> 00:16:11,520 Speaker 6: And what it really is about is creating a community 282 00:16:11,720 --> 00:16:15,240 Speaker 6: of like minded individuals in which my business partner and 283 00:16:15,280 --> 00:16:18,400 Speaker 6: I coached them through building their business. We did a 284 00:16:18,400 --> 00:16:22,400 Speaker 6: masterclass on self care. It really means rest. It means 285 00:16:22,520 --> 00:16:27,520 Speaker 6: setting boundaries. It means saying nowhere, saying yes, deplete you further. 286 00:16:27,640 --> 00:16:30,320 Speaker 6: It means filling your cup so that you can serve others. 287 00:16:30,480 --> 00:16:33,040 Speaker 6: My ladies are more busy now than they were before 288 00:16:33,080 --> 00:16:35,960 Speaker 6: the pandemic hit because they realized, all I've got a vision, 289 00:16:36,080 --> 00:16:39,280 Speaker 6: I've got to keep going and I'm building an empire 290 00:16:39,400 --> 00:16:41,040 Speaker 6: that will last longer than me. 291 00:16:41,280 --> 00:16:42,560 Speaker 5: This is about building legacy. 292 00:16:42,800 --> 00:16:45,200 Speaker 3: If you were to hear this full interview with Kim Cole. 293 00:16:45,320 --> 00:16:47,640 Speaker 3: Visit Money Making Conversations dot com. 294 00:16:47,760 --> 00:16:52,920 Speaker 7: Keep Winning HBCUs represent Black excellence. If you attend or 295 00:16:52,960 --> 00:16:56,240 Speaker 7: are an alumnus of an HBCU, we want to hear 296 00:16:56,360 --> 00:17:00,200 Speaker 7: about your story. The My HBCU Story Digital Library will 297 00:17:00,240 --> 00:17:04,280 Speaker 7: allow current HBCU students and alumni to share their stories. 298 00:17:04,560 --> 00:17:08,520 Speaker 7: More information is available at HBCU College day dot com. 299 00:17:08,560 --> 00:17:11,159 Speaker 7: You can upload a photo. The photo can be recent 300 00:17:11,400 --> 00:17:15,080 Speaker 7: or from when you attended your HBCU. More information is 301 00:17:15,119 --> 00:17:19,200 Speaker 7: available at HBCU College day dot com. 302 00:17:19,320 --> 00:17:24,320 Speaker 5: Now let's return to Money Making Conversations Masterclass with Rashaan McDonald. 303 00:17:24,640 --> 00:17:26,760 Speaker 3: If you want some immediate advice, that's some thoughts. Don't 304 00:17:26,760 --> 00:17:29,960 Speaker 3: be intimidated by the process of not knowing. You know, 305 00:17:30,080 --> 00:17:33,359 Speaker 3: the worst part of life is for people to you know, 306 00:17:33,720 --> 00:17:34,400 Speaker 3: shit at home. 307 00:17:34,600 --> 00:17:36,920 Speaker 2: I want to call home. It look bad, home look 308 00:17:36,960 --> 00:17:37,680 Speaker 2: like I'm stupid. 309 00:17:37,960 --> 00:17:40,040 Speaker 3: Well you only that's not something you should say to 310 00:17:40,119 --> 00:17:43,200 Speaker 3: yourself and somebody should not say out loud. You should 311 00:17:43,240 --> 00:17:47,879 Speaker 3: be able to encourage yourself, be motivated to learn, learn 312 00:17:48,000 --> 00:17:52,640 Speaker 3: right now, Sonya. When it comes to financial advice, how 313 00:17:52,680 --> 00:17:56,040 Speaker 3: did you get into the financial business one? And then 314 00:17:56,080 --> 00:18:00,919 Speaker 3: how did you get your daughters involved in the financial industry. 315 00:18:01,680 --> 00:18:04,359 Speaker 5: Long story, We're going to make long story really short. 316 00:18:05,800 --> 00:18:09,879 Speaker 5: I've always been a numbers person. I wanted to be 317 00:18:09,960 --> 00:18:14,000 Speaker 5: a doctor, and someone early on and while I was 318 00:18:14,040 --> 00:18:17,760 Speaker 5: in college said to me, if you learn how to 319 00:18:17,840 --> 00:18:23,080 Speaker 5: do taxes, you'll never grow hungry, and that he did 320 00:18:23,119 --> 00:18:25,679 Speaker 5: not see me, and it was the head of a 321 00:18:25,800 --> 00:18:29,159 Speaker 5: very large corporation. As a doctor. He said, you're a 322 00:18:29,200 --> 00:18:32,880 Speaker 5: businesswoman and you're a salesperson. And I took that to heart. 323 00:18:33,840 --> 00:18:36,720 Speaker 5: Being in this world. So I've done a lot of things. 324 00:18:36,760 --> 00:18:42,120 Speaker 5: I've done mortgages, I've done taxes, I've owned my own business, 325 00:18:42,160 --> 00:18:45,000 Speaker 5: and doing what I do now is what I was 326 00:18:45,119 --> 00:18:47,840 Speaker 5: meant to do. It's a culmination of all the things 327 00:18:47,880 --> 00:18:50,800 Speaker 5: that I've done in my life, and I am truly 328 00:18:50,920 --> 00:18:54,800 Speaker 5: passionate about it. To be able to teach and to 329 00:18:54,880 --> 00:18:59,639 Speaker 5: be able to impart the knowledge that I've gained in 330 00:18:59,720 --> 00:19:05,840 Speaker 5: this industry to others, it's incredible. It fills me with 331 00:19:05,960 --> 00:19:09,600 Speaker 5: what I need to keep going. My children seeing me 332 00:19:09,880 --> 00:19:15,000 Speaker 5: doing this, they saw me doing mortgages, just be doing numbers. 333 00:19:15,600 --> 00:19:19,800 Speaker 5: Was always intrigued. And even my daughters that I thought 334 00:19:19,920 --> 00:19:25,000 Speaker 5: would never go into this business, coming into This business 335 00:19:25,119 --> 00:19:29,600 Speaker 5: has been the greatest inspiration and honor that anyone could 336 00:19:29,600 --> 00:19:33,399 Speaker 5: give me at this point in my life. This financial world, 337 00:19:34,040 --> 00:19:37,280 Speaker 5: it's something that a lot of us don't really embrace, 338 00:19:37,640 --> 00:19:41,680 Speaker 5: and we should. We should have our children really diving 339 00:19:41,800 --> 00:19:46,040 Speaker 5: into it, because not only will it create generational wealth 340 00:19:46,440 --> 00:19:50,520 Speaker 5: for you, but for your family as well. You understand wealth, 341 00:19:50,880 --> 00:19:54,399 Speaker 5: You grow wealth, and you earn wealth. And you know, 342 00:19:54,480 --> 00:20:00,760 Speaker 5: so you asked me about compounding interest before the and 343 00:20:00,800 --> 00:20:03,920 Speaker 5: I'm just gonna I'm gonna tell a little story and 344 00:20:04,400 --> 00:20:08,480 Speaker 5: kind of really bring it back to what compounding interest is. 345 00:20:09,000 --> 00:20:13,280 Speaker 5: And so we talked before two young people, Keisha and Jerome, 346 00:20:13,400 --> 00:20:18,600 Speaker 5: twenty years old each. Keisha very diligent. You know, I'm 347 00:20:18,600 --> 00:20:27,760 Speaker 5: a little biased to women. And so she's saving. She 348 00:20:27,840 --> 00:20:31,160 Speaker 5: doesn't have a lot of money, she has an apartment, 349 00:20:31,720 --> 00:20:34,720 Speaker 5: she's not making a lot, She has a little card 350 00:20:35,440 --> 00:20:37,640 Speaker 5: and you know, so she doesn't have a whole lot 351 00:20:37,680 --> 00:20:40,880 Speaker 5: of money, but she saves two hundred and fifty dollars 352 00:20:41,200 --> 00:20:44,679 Speaker 5: every month, three thousand dollars a year, and she does 353 00:20:44,720 --> 00:20:49,840 Speaker 5: that for ten years. Right, so she saves Keisha thirty 354 00:20:49,880 --> 00:20:54,439 Speaker 5: thousand dollars. After ten years, she stops. That's it, and 355 00:20:54,480 --> 00:20:59,480 Speaker 5: she leaves the thirty thousand dollars. Jerome a handsome guy, 356 00:20:59,600 --> 00:21:03,720 Speaker 5: and he is, you know, he pledged in college and 357 00:21:04,359 --> 00:21:07,440 Speaker 5: you know he's getting out of college and his time 358 00:21:07,520 --> 00:21:13,160 Speaker 5: to party. He goes to Miami for rolling louds in California, 359 00:21:13,359 --> 00:21:17,439 Speaker 5: the Coachella, he has to do Dubai. He's living it 360 00:21:17,560 --> 00:21:21,280 Speaker 5: up for his twenties. And at thirty he starts saving, 361 00:21:21,800 --> 00:21:25,959 Speaker 5: doing the same thing that Kisha did, and he saved 362 00:21:26,000 --> 00:21:30,080 Speaker 5: three thousand dollars a year, and he does it for 363 00:21:30,160 --> 00:21:34,320 Speaker 5: instead of ten years, he does it for thirty years. 364 00:21:34,359 --> 00:21:39,679 Speaker 5: At sixty five, Keisha, who stopped after ten years, mind you, 365 00:21:40,040 --> 00:21:44,720 Speaker 5: and thirty thousand dollars, has seven hundred and eighteen thousand 366 00:21:45,320 --> 00:21:51,720 Speaker 5: dollars in her savings retirement account. Jerome, who saved for 367 00:21:51,840 --> 00:21:56,760 Speaker 5: thirty years starting at thirty and saved ninety thousand dollars 368 00:21:57,280 --> 00:22:02,119 Speaker 5: at sixty five, has four hundred eighty nine thousand dollars. 369 00:22:02,320 --> 00:22:06,960 Speaker 5: And how does that work? Compounding interest? So if you 370 00:22:07,080 --> 00:22:11,280 Speaker 5: think about ten thousand dollars and you're earning ten percent 371 00:22:11,440 --> 00:22:14,840 Speaker 5: on that ten thousand dollars, at the end of the year, 372 00:22:15,040 --> 00:22:17,960 Speaker 5: you've earned one thousand dollars. So now you have eleven 373 00:22:18,040 --> 00:22:22,480 Speaker 5: thousand dollars, and you earn ten percent on that eleven 374 00:22:22,560 --> 00:22:28,200 Speaker 5: thousand dollars, and you've earned one thousand, one hundred dollars, 375 00:22:28,480 --> 00:22:32,320 Speaker 5: so that now that becomes twelve thousand, one hundred, right, 376 00:22:32,520 --> 00:22:35,880 Speaker 5: and you earn ten percent under twelve thousand, one hundred, 377 00:22:36,440 --> 00:22:41,920 Speaker 5: that becomes thirteen thousand, three hundred and ten dollars, and you. 378 00:22:42,080 --> 00:22:44,560 Speaker 2: Just keep compounding and compounding. 379 00:22:44,240 --> 00:22:45,240 Speaker 5: Keep a compounded. 380 00:22:45,320 --> 00:22:48,159 Speaker 3: So you're saying to me, is that Jerome, he's saved 381 00:22:48,240 --> 00:22:51,479 Speaker 3: three times longer. But because she saved and had that 382 00:22:51,760 --> 00:22:57,240 Speaker 3: pot at thirty in a longer period, it compounded. That's 383 00:22:57,240 --> 00:22:59,560 Speaker 3: why she has a bigger pot at sixty five than he. 384 00:22:59,560 --> 00:23:05,960 Speaker 5: Does exactly exactly. So the earlier you start, the better, 385 00:23:06,280 --> 00:23:09,280 Speaker 5: but it doesn't mean that you can't earn. So Jerome 386 00:23:09,400 --> 00:23:13,919 Speaker 5: was still able to grow ninety thousand to four hundred, right, 387 00:23:14,080 --> 00:23:20,280 Speaker 5: eighty nine thousand, almost a half a million dollars. But again, Keisha, 388 00:23:20,400 --> 00:23:23,879 Speaker 5: who started ten years earlier and built that pot and 389 00:23:24,040 --> 00:23:27,520 Speaker 5: just left it didn't add anything to it. She had 390 00:23:27,560 --> 00:23:29,960 Speaker 5: something hundred thousand dollars. 391 00:23:30,200 --> 00:23:33,160 Speaker 3: Right, Keisha, the smart how smart female? 392 00:23:33,320 --> 00:23:33,560 Speaker 2: Right? 393 00:23:34,000 --> 00:23:35,840 Speaker 3: You know you you know you didn't have to make 394 00:23:35,920 --> 00:23:39,120 Speaker 3: my boy party, and he went to Dubai Miami, all 395 00:23:39,160 --> 00:23:42,640 Speaker 3: the hot spots out there. Then then he got sensible, 396 00:23:43,000 --> 00:23:46,639 Speaker 3: he gonna start up saving and he's still lost because 397 00:23:46,640 --> 00:23:51,439 Speaker 3: he's parted. You know, the beauty of your personality and 398 00:23:51,480 --> 00:23:53,800 Speaker 3: the fund that you bring to the table that I 399 00:23:53,840 --> 00:23:55,359 Speaker 3: love that story first of all, cause first of all, 400 00:23:55,400 --> 00:23:59,520 Speaker 3: it is true. Secondly, when people want to look at investment. 401 00:24:00,119 --> 00:24:03,479 Speaker 3: You know, I'm never going to say something is a 402 00:24:03,520 --> 00:24:06,920 Speaker 3: lot or too small, but asking for someone to set 403 00:24:06,920 --> 00:24:09,080 Speaker 3: aside two fifty a month, which at the end of 404 00:24:09,119 --> 00:24:11,879 Speaker 3: the year is three thousand dollars, that's the fact that 405 00:24:11,920 --> 00:24:14,359 Speaker 3: you you know, sometimes you don't know numbers can just 406 00:24:14,440 --> 00:24:18,000 Speaker 3: multiply that quick. That two fifty a month can become 407 00:24:18,080 --> 00:24:20,240 Speaker 3: three thousand dollars at the end of the year. And 408 00:24:20,280 --> 00:24:21,960 Speaker 3: you do that over a period of time. It was 409 00:24:22,000 --> 00:24:24,120 Speaker 3: really shocking for you when you tell, and my degree 410 00:24:24,119 --> 00:24:25,560 Speaker 3: is in math, when you said, well, at the end 411 00:24:25,560 --> 00:24:28,080 Speaker 3: of ten years, she has thirty thousand dollars. That's a 412 00:24:28,119 --> 00:24:30,719 Speaker 3: lot of money, which can be a down payment on something. 413 00:24:31,240 --> 00:24:33,639 Speaker 3: We can also put you in a position to be 414 00:24:34,840 --> 00:24:38,600 Speaker 3: set up. So it's important that that person that you 415 00:24:38,720 --> 00:24:41,840 Speaker 3: have a relationship with like you can win because we 416 00:24:41,960 --> 00:24:44,479 Speaker 3: just used that number thirty thousand dollars because Keisha was 417 00:24:44,520 --> 00:24:48,080 Speaker 3: investing in getting interest on there to ten years before 418 00:24:48,080 --> 00:24:50,240 Speaker 3: she stopped, so she was already ahead of the game. 419 00:24:50,480 --> 00:24:53,119 Speaker 3: And she actually was above thirty thousand dollars when she 420 00:24:53,160 --> 00:24:55,320 Speaker 3: made that stop. When you when you when we talk 421 00:24:55,359 --> 00:24:57,879 Speaker 3: about the big picture with you, I'm gonna tell a 422 00:24:57,920 --> 00:25:01,440 Speaker 3: good story about her daughters. Now she has two daughters 423 00:25:01,640 --> 00:25:04,520 Speaker 3: who help her start this company. But it's something about 424 00:25:04,840 --> 00:25:08,160 Speaker 3: when when when they said talent people out there, they 425 00:25:08,160 --> 00:25:10,320 Speaker 3: see talent just like a first round draft pick. 426 00:25:10,880 --> 00:25:13,280 Speaker 2: Just like recruiting great. 427 00:25:13,000 --> 00:25:18,520 Speaker 3: Athletes, people find great athletes, they draft top talent. 428 00:25:20,040 --> 00:25:22,639 Speaker 2: One of your daughters. You lost one of your daughters 429 00:25:22,680 --> 00:25:24,679 Speaker 2: to an opportunity. 430 00:25:24,280 --> 00:25:27,679 Speaker 5: Correct, I did. I did the idea. 431 00:25:27,840 --> 00:25:30,359 Speaker 2: She couldn't refuse or you could tell her not to refuse. 432 00:25:30,800 --> 00:25:32,040 Speaker 2: You know what I'm saying. You know what I'm saying. 433 00:25:32,160 --> 00:25:34,280 Speaker 2: So you know he's like when you go a girl, 434 00:25:34,760 --> 00:25:36,040 Speaker 2: how much? Oh you better go? 435 00:25:39,880 --> 00:25:42,679 Speaker 5: You know. So what you want to do, Maean, and 436 00:25:42,720 --> 00:25:44,920 Speaker 5: what we all want to do. We want to set 437 00:25:44,960 --> 00:25:49,080 Speaker 5: our children up so that they will surpass everything we 438 00:25:49,240 --> 00:25:53,280 Speaker 5: even dreamed of. And when you see your child on 439 00:25:53,320 --> 00:25:56,680 Speaker 5: that path to do that. There's no way you can 440 00:25:56,720 --> 00:26:00,199 Speaker 5: say no. You say go, go go, and that's all 441 00:26:00,200 --> 00:26:00,800 Speaker 5: I have to do. 442 00:26:02,560 --> 00:26:04,560 Speaker 2: I love it because she she told me that story. 443 00:26:05,000 --> 00:26:07,560 Speaker 2: She told me to Si. You know, I was, I was, 444 00:26:07,600 --> 00:26:09,600 Speaker 2: I was, I was. I was like, you know, we 445 00:26:09,640 --> 00:26:10,479 Speaker 2: started this together. 446 00:26:10,800 --> 00:26:12,119 Speaker 6: You know, come on now. 447 00:26:13,080 --> 00:26:15,399 Speaker 2: How much? Uh uh? 448 00:26:15,880 --> 00:26:16,160 Speaker 7: Girl? 449 00:26:16,480 --> 00:26:18,480 Speaker 2: If you you was having a pack, weren't you? Son 450 00:26:18,520 --> 00:26:19,359 Speaker 2: you was having a pack? 451 00:26:19,400 --> 00:26:24,280 Speaker 8: Officer, you better get out of here before they wake up. 452 00:26:28,400 --> 00:26:29,400 Speaker 8: Oh that's beautiful. 453 00:26:29,680 --> 00:26:32,760 Speaker 3: So now you know your office, you're you're you're doing 454 00:26:32,840 --> 00:26:36,960 Speaker 3: business over there. You're based in Atlanta. And this, of course, 455 00:26:37,000 --> 00:26:40,240 Speaker 3: this show syndicated streams nationwide. What is that number for 456 00:26:40,280 --> 00:26:41,480 Speaker 3: people to reach out to you. 457 00:26:42,480 --> 00:26:48,520 Speaker 5: It's four seven zero four four nine zero eight one two. 458 00:26:49,200 --> 00:26:49,840 Speaker 2: One more time. 459 00:26:50,480 --> 00:26:57,359 Speaker 5: Four seven zero four four nine zero eight one two. 460 00:26:57,640 --> 00:26:59,720 Speaker 3: Sonya, I want to thank you for coming on the show. 461 00:27:00,119 --> 00:27:01,760 Speaker 3: I want to thank you for taking the time. You know, 462 00:27:01,920 --> 00:27:04,920 Speaker 3: this time flew this time, you know. But also you know, 463 00:27:04,960 --> 00:27:06,919 Speaker 3: because I wanted to talk about the name, image and 464 00:27:07,040 --> 00:27:09,640 Speaker 3: likeness that you do with athletes. Wanted to talk about 465 00:27:09,640 --> 00:27:12,840 Speaker 3: a lot of the mortgages and low the credit lines 466 00:27:12,840 --> 00:27:16,560 Speaker 3: that you offer through mortgage Stanley but again I appreciate 467 00:27:16,560 --> 00:27:19,359 Speaker 3: you taking the time to help me, just talk about 468 00:27:19,359 --> 00:27:22,000 Speaker 3: financial opportunities in the black community where they can turn 469 00:27:22,040 --> 00:27:24,560 Speaker 3: for a trust divorce, and one of the trust divorces 470 00:27:25,160 --> 00:27:27,679 Speaker 3: is son your fears. Again, we talked soone. Okay, I 471 00:27:27,680 --> 00:27:28,320 Speaker 3: appreciate you. 472 00:27:29,200 --> 00:27:32,520 Speaker 5: Thank you so much, Rashan. It is always a pleasure 473 00:27:32,960 --> 00:27:35,560 Speaker 5: to be on this show. You do an incredible job. 474 00:27:35,920 --> 00:27:38,240 Speaker 5: And thank you out there everyone for listening.