1 00:00:01,240 --> 00:00:02,000 Speaker 1: Earners. What's up. 2 00:00:02,080 --> 00:00:04,560 Speaker 2: You ever walk into a small business and everything just 3 00:00:04,720 --> 00:00:07,880 Speaker 2: works like The checkout is fast, the receipts are digital, 4 00:00:08,400 --> 00:00:11,399 Speaker 2: tipping is a breeze, and you're out the door before 5 00:00:11,400 --> 00:00:15,560 Speaker 2: the line even builds. Odds are they're using Square. We 6 00:00:15,720 --> 00:00:18,280 Speaker 2: love supporting businesses that run on Square because it just 7 00:00:18,280 --> 00:00:21,520 Speaker 2: feels seamless. Whether it's a local coffee shop, a vendor 8 00:00:21,560 --> 00:00:23,840 Speaker 2: at a pop up market, or even one of our 9 00:00:23,880 --> 00:00:27,560 Speaker 2: merch partners, Square makes it easy for them to take payments, 10 00:00:27,760 --> 00:00:31,480 Speaker 2: manage inventory, and run their business with confidence, all from 11 00:00:31,600 --> 00:00:35,000 Speaker 2: one simple system. If you're a business owner or even 12 00:00:35,080 --> 00:00:38,600 Speaker 2: just thinking about launching something soon, Square is hands down 13 00:00:38,640 --> 00:00:41,680 Speaker 2: one of the best tools out there to help you start, run, 14 00:00:41,920 --> 00:00:45,240 Speaker 2: and grow. It's not just about payments, it's about giving 15 00:00:45,240 --> 00:00:47,519 Speaker 2: you time back so you can focus. 16 00:00:47,159 --> 00:00:48,760 Speaker 1: On what matters most Ready. 17 00:00:48,760 --> 00:00:52,159 Speaker 2: To see how Square can transform your business, visit Square 18 00:00:52,240 --> 00:00:56,760 Speaker 2: dot com backslash go Backslash eyl to learn more that 19 00:00:56,960 --> 00:01:02,400 Speaker 2: Square dot com backslash, go backslash el, don't wait, don't hesitate. 20 00:01:02,520 --> 00:01:04,880 Speaker 2: Let's Square handle the back end so you can keep 21 00:01:04,920 --> 00:01:11,000 Speaker 2: pushing your vision forward. This episode is brought to you 22 00:01:11,040 --> 00:01:13,320 Speaker 2: by P and C Bank. A lot of people think 23 00:01:13,360 --> 00:01:17,240 Speaker 2: podcasts about work are boring, and sure they definitely can be, 24 00:01:17,760 --> 00:01:21,000 Speaker 2: but understanding of professional's routine shows us how they achieve 25 00:01:21,080 --> 00:01:23,959 Speaker 2: their success little by little, day after day. 26 00:01:24,959 --> 00:01:27,440 Speaker 1: It's like banking with P and C Bank. It might 27 00:01:27,560 --> 00:01:28,440 Speaker 1: seem boring. 28 00:01:28,160 --> 00:01:31,000 Speaker 2: To save, plan and make calculated decisions with your bank, 29 00:01:31,440 --> 00:01:33,920 Speaker 2: but keeping your money boring is what helps you live 30 00:01:34,080 --> 00:01:38,080 Speaker 2: or more happily fulfilled life. P and C Bank Brilliantly 31 00:01:38,160 --> 00:01:42,720 Speaker 2: Boring since eighteen sixty five. Brilliantly Boring since eighteen sixty 32 00:01:42,720 --> 00:01:46,000 Speaker 2: five is a service mark of the PNC Financial Service Group, Inc. 33 00:01:46,480 --> 00:01:49,840 Speaker 2: P and C Bank National Association Member FDIC. 34 00:01:51,640 --> 00:01:53,800 Speaker 3: What the theory is that with the money that you 35 00:01:53,840 --> 00:01:56,040 Speaker 3: would have put down on the house, the money that 36 00:01:56,080 --> 00:01:58,280 Speaker 3: you would have put for maintenance on the house, the 37 00:01:58,280 --> 00:02:01,240 Speaker 3: money that you would have put for tag, that's going 38 00:02:01,280 --> 00:02:05,000 Speaker 3: to investments. That's not saying that just live an apartment, 39 00:02:05,040 --> 00:02:07,640 Speaker 3: rent an apartment, and then you have money and then 40 00:02:07,680 --> 00:02:10,880 Speaker 3: you just want to just you know, do whatever, go 41 00:02:10,919 --> 00:02:13,200 Speaker 3: to Vegas and just you know, put it on on 42 00:02:13,440 --> 00:02:18,000 Speaker 3: your your favorite money line for the rams. No, that's 43 00:02:18,080 --> 00:02:22,760 Speaker 3: not responsible. So it is very much so is a conversation. 44 00:02:22,800 --> 00:02:26,160 Speaker 3: It's actually even probably more relevant to people that's not 45 00:02:26,240 --> 00:02:30,200 Speaker 3: extremely rich, because the money means more. The money one 46 00:02:30,240 --> 00:02:32,440 Speaker 3: hundred thousand dollars an average person is going to mean 47 00:02:32,560 --> 00:02:34,120 Speaker 3: more than five million dollars. 48 00:02:33,960 --> 00:02:36,960 Speaker 1: To bad money. Right, That's just a fact. 49 00:02:37,280 --> 00:02:40,000 Speaker 3: So it's gonna so every every dollar that you make, 50 00:02:40,040 --> 00:02:41,880 Speaker 3: you got to make sure that you're making the right 51 00:02:41,960 --> 00:02:45,000 Speaker 3: decision because you can't afford to make the wrong decision. 52 00:02:45,360 --> 00:02:47,519 Speaker 3: Sometimes I'm like, you can afford to make the wrong decision, 53 00:02:47,600 --> 00:02:49,760 Speaker 3: be like, Yo, damn, I a million dollars whatever, I'm 54 00:02:49,760 --> 00:02:52,839 Speaker 3: gonna get that back. But no, you make the wrong 55 00:02:52,880 --> 00:02:55,000 Speaker 3: decision sometimes in life, ain't there is no coming back. 56 00:02:55,040 --> 00:02:57,639 Speaker 1: It's no coming back, it's no coming back. 57 00:02:57,680 --> 00:03:02,639 Speaker 4: And controversial take, but in terms of reward ratio and. 58 00:03:03,080 --> 00:03:05,720 Speaker 1: Back to the opportunity costs, you should not. 59 00:03:05,720 --> 00:03:08,400 Speaker 4: Be putting more into a mortgage for a property that 60 00:03:08,440 --> 00:03:10,480 Speaker 4: you don't fully own. That you're doing to the market 61 00:03:11,080 --> 00:03:14,120 Speaker 4: when people give pushback on it. I'm a prime example 62 00:03:14,120 --> 00:03:17,040 Speaker 4: of it. Regardless of whatever else, I stayed a two 63 00:03:17,120 --> 00:03:22,160 Speaker 4: bedroom condo six seven years. I know people that had 64 00:03:22,240 --> 00:03:25,080 Speaker 4: seven and eight thousand dollars mortgages and will put three 65 00:03:25,160 --> 00:03:28,440 Speaker 4: hundred dollars into the market and they always tell me, damn, 66 00:03:28,440 --> 00:03:31,160 Speaker 4: I should have did it your way. It does not 67 00:03:31,520 --> 00:03:37,000 Speaker 4: make sense to be house rich in pocket poor, makes 68 00:03:37,040 --> 00:03:40,200 Speaker 4: no sense at all. It looks glamorous, but when I 69 00:03:40,240 --> 00:03:43,320 Speaker 4: get to move it around and you see me, Troy Rashid, 70 00:03:43,480 --> 00:03:46,720 Speaker 4: we just look stressed through free and all that. That's 71 00:03:46,760 --> 00:03:49,760 Speaker 4: from good decision making. Even my friends Black, Yo, you 72 00:03:49,840 --> 00:03:51,920 Speaker 4: could have done yes. I could have went and bought 73 00:03:51,920 --> 00:03:54,240 Speaker 4: that shit, but its shot, Zanda. I love you dearly 74 00:03:54,280 --> 00:03:57,160 Speaker 4: go a bit so. It feels better to have as 75 00:03:57,200 --> 00:04:00,680 Speaker 4: college paid for at six years old and he's in now. 76 00:04:01,200 --> 00:04:03,440 Speaker 4: And if I want to take off three years of work, 77 00:04:03,760 --> 00:04:05,960 Speaker 4: I can do so because I put the money into 78 00:04:05,960 --> 00:04:06,720 Speaker 4: the market. 79 00:04:06,400 --> 00:04:07,080 Speaker 1: To work for me. 80 00:04:08,080 --> 00:04:11,840 Speaker 4: That's a fact. That's that money away. If my family 81 00:04:11,920 --> 00:04:15,360 Speaker 4: needs anything, it ain't a question. Go ahead, I don't 82 00:04:15,360 --> 00:04:17,200 Speaker 4: care what it is. My dad want to tear a 83 00:04:17,240 --> 00:04:20,760 Speaker 4: doctor for next investments with it attached to whatever you got, 84 00:04:20,800 --> 00:04:26,480 Speaker 4: you got. You pick your struggle, though, Do you have 85 00:04:26,520 --> 00:04:30,120 Speaker 4: to pick your You have to either sacrifice being wealthy 86 00:04:30,400 --> 00:04:34,400 Speaker 4: later or balling now. All the ballers are spending money, 87 00:04:34,440 --> 00:04:36,159 Speaker 4: they end up losing that shit. It's not worth it. 88 00:04:36,600 --> 00:04:37,440 Speaker 4: That's a guarantee. 89 00:04:37,640 --> 00:04:39,280 Speaker 2: That's why I said you're not gonna be able to 90 00:04:39,480 --> 00:04:41,440 Speaker 2: and this is coming from a person that was nine 91 00:04:41,480 --> 00:04:43,360 Speaker 2: to five. You're not gonna be able to work your 92 00:04:43,360 --> 00:04:45,520 Speaker 2: way to wealth. It's just not it's just not doing 93 00:04:45,520 --> 00:04:48,120 Speaker 2: any possible. Don't matter how many jobs you got, You're 94 00:04:48,160 --> 00:04:49,479 Speaker 2: not gonna be able to work your way to wealth. 95 00:04:49,520 --> 00:04:50,440 Speaker 1: You have to invest. 96 00:04:50,720 --> 00:04:54,400 Speaker 2: It's I mean, that is the message that I'm sending 97 00:04:54,440 --> 00:04:58,640 Speaker 2: to every student, every young adult, every adult. Listen to 98 00:04:58,680 --> 00:05:02,080 Speaker 2: this man'speed about how how important investment is to now 99 00:05:02,200 --> 00:05:05,000 Speaker 2: and the future, especially in the in the terms of 100 00:05:05,080 --> 00:05:08,640 Speaker 2: AI and the job replacement and the efficiency that is 101 00:05:08,680 --> 00:05:10,800 Speaker 2: about to happen. Right There was just a study, your 102 00:05:10,800 --> 00:05:13,839 Speaker 2: Harvard study that said thirteen percent of college graduates can't 103 00:05:13,880 --> 00:05:16,800 Speaker 2: find a job because it's been replaced. 104 00:05:17,080 --> 00:05:20,480 Speaker 1: That's twenty twenty five. That number is only going to increase. 105 00:05:20,600 --> 00:05:24,000 Speaker 2: And you have to figure out alternative ways to make 106 00:05:24,040 --> 00:05:28,800 Speaker 2: money legally, and investing is at the paramount of that. 107 00:05:28,920 --> 00:05:30,520 Speaker 1: So you have to have your money to make money. 108 00:05:30,520 --> 00:05:32,520 Speaker 1: I don't care how much money you have. It has 109 00:05:32,600 --> 00:05:35,320 Speaker 1: to make money. And and here's and this is it. 110 00:05:36,880 --> 00:05:42,679 Speaker 3: Okay, let's let's let's let's coust some Internet nonsense reaction 111 00:05:42,800 --> 00:05:46,280 Speaker 3: videos investing in stocks is a better investment investing in real. 112 00:05:46,240 --> 00:05:50,560 Speaker 4: Estate a thousand percent combination. If you can do both, 113 00:05:50,600 --> 00:05:54,160 Speaker 4: great office said it. 114 00:05:55,680 --> 00:05:56,440 Speaker 1: And lived it. 115 00:05:57,000 --> 00:05:59,320 Speaker 3: If you have a million dollars you invested in stocks, 116 00:06:00,520 --> 00:06:03,160 Speaker 3: ninety percent of the time, you're gonna you're gonna make 117 00:06:03,200 --> 00:06:05,440 Speaker 3: more money than if you if you invested it in 118 00:06:05,440 --> 00:06:06,000 Speaker 3: real estate. 119 00:06:06,360 --> 00:06:08,479 Speaker 4: Especially if you listen to me, if I made you money, 120 00:06:08,520 --> 00:06:14,000 Speaker 4: please but he doesn't chet for what, Listen and think 121 00:06:14,040 --> 00:06:16,039 Speaker 4: about this. If you black and brown, listen, I've turned 122 00:06:16,120 --> 00:06:18,560 Speaker 4: turned to speakers up real lout. For the first time 123 00:06:18,640 --> 00:06:21,839 Speaker 4: in history. You have the greatest entrepreneurs on the face 124 00:06:21,880 --> 00:06:24,880 Speaker 4: of the earth who are white telling black and brown people, yo, 125 00:06:25,040 --> 00:06:28,240 Speaker 4: you gotta invest. Before they didn't even want to have 126 00:06:28,320 --> 00:06:30,200 Speaker 4: a seated at the table. Now it's like, no pull 127 00:06:30,279 --> 00:06:35,239 Speaker 4: up here it some have some water. Vlad Sam Auman, 128 00:06:35,600 --> 00:06:40,800 Speaker 4: fucking Jeff Bezis, everybody at Scale is on TV every 129 00:06:40,800 --> 00:06:43,440 Speaker 4: week saying if you don't invest, I don't know what 130 00:06:43,440 --> 00:06:46,280 Speaker 4: the economy's gonna look like. They're saying, AI right now 131 00:06:46,320 --> 00:06:49,400 Speaker 4: is responsible for thirteen percent of layoffs and could be 132 00:06:49,440 --> 00:06:52,400 Speaker 4: twenty six percent by twenty twenty seven. 133 00:06:52,480 --> 00:06:54,440 Speaker 1: That's not the magic. Just told you got three years. 134 00:06:55,000 --> 00:06:57,240 Speaker 1: You got three We've got three years, bro. 135 00:06:57,600 --> 00:07:00,839 Speaker 4: So if he tell you three that to adjust for 136 00:07:00,880 --> 00:07:03,480 Speaker 4: the media and the real seventeen months. 137 00:07:04,040 --> 00:07:05,280 Speaker 1: And here's the reality. 138 00:07:06,000 --> 00:07:08,840 Speaker 2: The things that we see and we have prev to 139 00:07:08,920 --> 00:07:13,040 Speaker 2: get information about we can't say at all. But like, yo, 140 00:07:13,120 --> 00:07:14,400 Speaker 2: I'm telling you, Like. 141 00:07:14,920 --> 00:07:19,320 Speaker 4: The United States government bought a percentage into Intel and 142 00:07:19,360 --> 00:07:21,680 Speaker 4: said last week they may do with Palenteer. 143 00:07:22,080 --> 00:07:27,280 Speaker 2: Yeah, amongst other amongst other companies as well, bro. Like 144 00:07:28,120 --> 00:07:30,280 Speaker 2: and you only that's the crazy part, Like you are 145 00:07:30,320 --> 00:07:31,800 Speaker 2: the people that they talk about in that type of 146 00:07:31,880 --> 00:07:33,120 Speaker 2: cent Like, that's your money. 147 00:07:33,560 --> 00:07:38,360 Speaker 1: So if they're doing it, hello and not hiding it. 148 00:07:39,000 --> 00:07:41,200 Speaker 3: So just just be mindful. Like I said, investing in 149 00:07:41,240 --> 00:07:44,320 Speaker 3: real estate definitely can be helpful and beneficial. I personally 150 00:07:44,320 --> 00:07:46,400 Speaker 3: have invested in real estate. I believe in real estate. 151 00:07:46,640 --> 00:07:48,120 Speaker 3: I just think that a lot of times people make 152 00:07:48,160 --> 00:07:50,160 Speaker 3: bad decision when it comes to real estate. Buy homes 153 00:07:50,200 --> 00:07:56,480 Speaker 3: that you can afford, don't over extend yourself. Understand that 154 00:07:56,560 --> 00:07:59,480 Speaker 3: the mortgage benefits to bank more than anybody else. I 155 00:07:59,520 --> 00:08:03,160 Speaker 3: understand opportunity costs can't come back once it's going. And 156 00:08:03,520 --> 00:08:06,440 Speaker 3: you know, just think that's the point the matrix try 157 00:08:06,520 --> 00:08:08,800 Speaker 3: to make you not think. Everybody just want to do 158 00:08:08,840 --> 00:08:11,560 Speaker 3: the same thing. If you're a free thinker, then you're 159 00:08:11,680 --> 00:08:15,920 Speaker 3: you're you're labeled as somebody that's a misfit or a destructionist. 160 00:08:16,360 --> 00:08:19,240 Speaker 3: Just think you don't have to every every shoe doesn't 161 00:08:19,240 --> 00:08:22,640 Speaker 3: fit every single foot. Never feel that, never feel ashamed 162 00:08:23,640 --> 00:08:26,440 Speaker 3: because of society's standard is telling you to do something. 163 00:08:26,720 --> 00:08:28,640 Speaker 3: Your goal is to get to what your number is. 164 00:08:28,840 --> 00:08:31,360 Speaker 3: If your numbers a million, that's your number, five million, 165 00:08:31,440 --> 00:08:33,280 Speaker 3: ten However you do it, I don't care how you 166 00:08:33,320 --> 00:08:35,400 Speaker 3: do it. If you're living in a one bedroom apartment, 167 00:08:35,400 --> 00:08:37,760 Speaker 3: if you if you get to ten million, you want 168 00:08:39,240 --> 00:08:41,120 Speaker 3: hello Hello. 169 00:08:42,640 --> 00:08:44,600 Speaker 4: And then for those of you who have money, the 170 00:08:44,600 --> 00:08:46,960 Speaker 4: battle between you to get a large house to celebrate 171 00:08:47,040 --> 00:08:51,000 Speaker 4: or a modest house which everyone allows you the most freedom, 172 00:08:51,240 --> 00:08:52,679 Speaker 4: where your money is not stressed too. 173 00:08:52,760 --> 00:08:59,120 Speaker 1: There be your tager be organized at all times. 174 00:08:59,280 --> 00:09:03,800 Speaker 5: Illegal alien from Guatemala charged with raping a child in Massachusetts. 175 00:09:04,120 --> 00:09:07,520 Speaker 5: An MS thirteen gang member from Al Salvador accused of 176 00:09:07,640 --> 00:09:11,640 Speaker 5: murdering a Texas man of Venezuelan charged with filming and 177 00:09:11,720 --> 00:09:15,560 Speaker 5: selling child pornography in Michigan. These are just some of 178 00:09:15,600 --> 00:09:19,280 Speaker 5: the heinous migrant criminals caught because of President Donald J. 179 00:09:19,360 --> 00:09:23,160 Speaker 5: Trump's leadership. I'm Christy nom the United States Secretary of 180 00:09:23,200 --> 00:09:28,000 Speaker 5: Homeland Security. Under President Trump, attempted illegal border crossings are 181 00:09:28,040 --> 00:09:31,400 Speaker 5: at the lowest levels ever recorded, and over one hundred 182 00:09:31,440 --> 00:09:35,360 Speaker 5: thousand illegal aliens have been arrested. If you are here illegally, 183 00:09:35,840 --> 00:09:39,160 Speaker 5: your next you will be fine nearly one thousand dollars 184 00:09:39,200 --> 00:09:43,320 Speaker 5: a day, imprisoned and deported, you will never return. But 185 00:09:43,400 --> 00:09:46,959 Speaker 5: if you register using our CBP home app and leave now, 186 00:09:47,320 --> 00:09:50,440 Speaker 5: you could be allowed to return legally. Do what's right. 187 00:09:51,000 --> 00:09:55,959 Speaker 5: Leave now. Under President Trump, America's laws, border and families 188 00:09:56,160 --> 00:09:57,000 Speaker 5: will be protected. 189 00:09:57,080 --> 00:09:59,199 Speaker 1: Sponsored by the United States Department of Homeland Security.