1 00:00:06,640 --> 00:00:08,959 Speaker 1: Welcome to Money Making Conversation. I am your host, ra 2 00:00:09,000 --> 00:00:11,600 Speaker 1: Sean McDonald. I just want to everybody know it's important 3 00:00:11,600 --> 00:00:14,480 Speaker 1: to you understand that everybody travels a different path to success. 4 00:00:14,560 --> 00:00:17,599 Speaker 1: That's really important to understand that because your brand is 5 00:00:17,600 --> 00:00:19,880 Speaker 1: different and their brand is different, and each one of 6 00:00:19,880 --> 00:00:22,480 Speaker 1: you face challenges in life that are different. So stop 7 00:00:22,480 --> 00:00:25,599 Speaker 1: reading other people's success stories, really and start writing your own. 8 00:00:25,720 --> 00:00:28,720 Speaker 1: Start developing your plan of activation because you can be 9 00:00:28,720 --> 00:00:31,680 Speaker 1: motivated by their success, because their stories can offer direction 10 00:00:31,720 --> 00:00:33,879 Speaker 1: and help you reach your goals. But it's through your 11 00:00:33,920 --> 00:00:36,279 Speaker 1: plan and your effort that you're gonna make it. It's 12 00:00:36,320 --> 00:00:38,400 Speaker 1: through your dream. It's your dream. I can't my dream 13 00:00:38,440 --> 00:00:41,320 Speaker 1: is not your dream. Okay, I understand that, and you 14 00:00:41,440 --> 00:00:44,400 Speaker 1: get there a lot quicker. My next guest is Justin Dawkins. 15 00:00:44,440 --> 00:00:47,360 Speaker 1: He most recently launched and serving his managing partner for 16 00:00:47,440 --> 00:00:50,960 Speaker 1: Collap Capital and investment firm that focuses on providing black 17 00:00:51,120 --> 00:00:54,520 Speaker 1: entrepreneurs to social, human and financial capital. Can I repeat 18 00:00:54,560 --> 00:00:57,760 Speaker 1: that the social human If I had your capital, they 19 00:00:57,800 --> 00:01:00,680 Speaker 1: need to build profitable businesses. The goal is to health 20 00:01:00,680 --> 00:01:03,520 Speaker 1: solve to growing racial wealth gap in America. Please work 21 00:01:03,560 --> 00:01:06,960 Speaker 1: with the money making conversation long time, my friend Justin Dawkins. 22 00:01:07,080 --> 00:01:10,080 Speaker 1: How you doing, sir, I'm doing well. And to make 23 00:01:10,160 --> 00:01:11,720 Speaker 1: that little pivot in the chair, you know, so I 24 00:01:11,720 --> 00:01:14,120 Speaker 1: can really really look at you right quick, you know. 25 00:01:14,480 --> 00:01:17,440 Speaker 1: Because we're in the pandemic year. Man. The racial gap 26 00:01:17,480 --> 00:01:21,160 Speaker 1: we got further apart, unemployment got further apart. And Uh, 27 00:01:21,280 --> 00:01:23,960 Speaker 1: the COVID nineteen has made us to be and we've 28 00:01:23,959 --> 00:01:27,319 Speaker 1: been victimized by health and whether it's our past bad 29 00:01:27,360 --> 00:01:30,680 Speaker 1: health habits, but COVID nineteen is really attacked the black 30 00:01:30,720 --> 00:01:33,280 Speaker 1: community and the community of color. So how do we 31 00:01:33,360 --> 00:01:35,880 Speaker 1: come out of this? Because you said by the year 32 00:01:36,360 --> 00:01:42,880 Speaker 1: fifty three, the medium network for black households will be zero. Yeah. Um, well, 33 00:01:42,920 --> 00:01:45,120 Speaker 1: let's let's start with with the elephant in the room. 34 00:01:45,840 --> 00:01:49,760 Speaker 1: Uh was a wake up call for everybody. It was 35 00:01:49,800 --> 00:01:53,200 Speaker 1: an opportunity. You were forced to sit down, you know, 36 00:01:53,240 --> 00:01:55,320 Speaker 1: as my grandmother would say, and some of my elders 37 00:01:55,360 --> 00:01:58,120 Speaker 1: would say, Um, if you don't if you don't rest, 38 00:01:58,160 --> 00:02:00,480 Speaker 1: if you don't sit down your body or sit you down. Yes, 39 00:02:00,920 --> 00:02:04,639 Speaker 1: and that to me is where where Black America is experienced. Um, 40 00:02:04,680 --> 00:02:07,840 Speaker 1: and a lot of other communities within the country. Uh. 41 00:02:07,880 --> 00:02:11,480 Speaker 1: And it's exacerbated. It's highlighted and illuminated what has already 42 00:02:11,480 --> 00:02:15,320 Speaker 1: been bad or wrong or where there were disparities, we 43 00:02:15,320 --> 00:02:18,840 Speaker 1: were seeing it more. Uh And I think now is 44 00:02:18,880 --> 00:02:22,600 Speaker 1: the time to be hyper intentional. I think you're intro 45 00:02:22,880 --> 00:02:26,200 Speaker 1: was eloquent and elegant and point, and it was you 46 00:02:26,560 --> 00:02:30,080 Speaker 1: gotta establish these dreams. We got to start with baby steps, 47 00:02:30,120 --> 00:02:32,840 Speaker 1: smart goals, you know, to take those big dreams and 48 00:02:32,840 --> 00:02:34,920 Speaker 1: break them down into pieces things as that we can 49 00:02:34,960 --> 00:02:37,960 Speaker 1: manage and do. Um. But that's where that's where it 50 00:02:38,000 --> 00:02:41,799 Speaker 1: starts for me going forward, for one for black entrepreneurs 51 00:02:41,800 --> 00:02:44,920 Speaker 1: and innovators, is take those big grand ideas, break them 52 00:02:44,960 --> 00:02:47,560 Speaker 1: down into smart goals and get to work. Well you 53 00:02:47,560 --> 00:02:49,440 Speaker 1: know that that that the key word, get to work, 54 00:02:49,600 --> 00:02:53,079 Speaker 1: you know. And so it's been interesting year because as 55 00:02:53,200 --> 00:02:55,880 Speaker 1: as you move forward, you know, it's not the pandemic, 56 00:02:55,880 --> 00:02:58,040 Speaker 1: it is almost put like everybody on the new welfare 57 00:02:58,080 --> 00:03:01,120 Speaker 1: system because everybody's been asking for hand out. Everybody has 58 00:03:01,160 --> 00:03:04,200 Speaker 1: been complaining that, you know, they can't find a job 59 00:03:04,280 --> 00:03:06,639 Speaker 1: that they want, maybe the job that they need. Because 60 00:03:06,639 --> 00:03:08,280 Speaker 1: in the end, you want to be able to do 61 00:03:08,320 --> 00:03:10,639 Speaker 1: something that makes you happy. You know. That's why we've 62 00:03:10,639 --> 00:03:14,120 Speaker 1: become entrepreneurs. We generally left jobs and we didn't feel 63 00:03:14,160 --> 00:03:17,200 Speaker 1: satisfied in and start relying on our own personal skills. 64 00:03:17,560 --> 00:03:22,040 Speaker 1: We'll just the motivating factor, for one, for African Americans 65 00:03:22,080 --> 00:03:26,840 Speaker 1: to change the game for themselves. I think the primary 66 00:03:26,840 --> 00:03:32,920 Speaker 1: motivating factor is taking into taking our own destiny and 67 00:03:32,960 --> 00:03:35,360 Speaker 1: putting it in our own hands. I think we've I 68 00:03:35,400 --> 00:03:39,320 Speaker 1: think we've looked for other communities and other people, whether 69 00:03:39,360 --> 00:03:43,160 Speaker 1: it be politicians, whether it be more fluent people. We've 70 00:03:43,160 --> 00:03:45,880 Speaker 1: always looked at them to figure it out for us. 71 00:03:46,320 --> 00:03:49,160 Speaker 1: Um and you know that that was one of the 72 00:03:49,160 --> 00:03:51,920 Speaker 1: greatest lives ever told. Uh is that at the end 73 00:03:51,960 --> 00:03:55,200 Speaker 1: of the day, you've got to, you know, pull yourself up. 74 00:03:55,280 --> 00:03:59,120 Speaker 1: You do have to, um be wary of those that 75 00:03:59,240 --> 00:04:01,760 Speaker 1: promised things. So we have to be mindful of that 76 00:04:01,840 --> 00:04:04,600 Speaker 1: and look out for the traps. But ultimately we have 77 00:04:04,720 --> 00:04:08,400 Speaker 1: to center ourselves on our goals and what we want 78 00:04:08,400 --> 00:04:10,680 Speaker 1: to accomplish as a people. And that's a collective and 79 00:04:10,720 --> 00:04:13,760 Speaker 1: I think that's important. Well, there's so much important. Here's 80 00:04:13,760 --> 00:04:16,360 Speaker 1: an interesting thing. That's why I get to know. When 81 00:04:16,360 --> 00:04:19,080 Speaker 1: people give millennials a bad rap. They always say millennials 82 00:04:19,080 --> 00:04:21,840 Speaker 1: want to skip steps. You know, well, I guess what 83 00:04:22,400 --> 00:04:24,920 Speaker 1: you know, when you looked at me growing up, because 84 00:04:24,920 --> 00:04:27,120 Speaker 1: I'm older than you, you know, I was, I was 85 00:04:27,400 --> 00:04:30,120 Speaker 1: somewhat hindered. I was told to play a certain role 86 00:04:30,160 --> 00:04:33,000 Speaker 1: in life, to be a certain person that you know, 87 00:04:33,400 --> 00:04:36,359 Speaker 1: Entrepreneurship wasn't even pitched to me, wasn't even thought of 88 00:04:36,400 --> 00:04:38,279 Speaker 1: in my process. You know, I came from the hood. 89 00:04:38,720 --> 00:04:41,160 Speaker 1: That was my number one guard was just get out 90 00:04:41,200 --> 00:04:42,800 Speaker 1: the hood. You know. Then when I got my degree, 91 00:04:42,839 --> 00:04:44,280 Speaker 1: I was supposed to get married, and then I was 92 00:04:44,279 --> 00:04:46,960 Speaker 1: supposed to settle down and be happy in the corporation. 93 00:04:47,360 --> 00:04:50,840 Speaker 1: Millennials don't think that way. They believe in mentors. They 94 00:04:50,880 --> 00:04:53,719 Speaker 1: believe in skipping steps. It's possible. What's wrong with skipping 95 00:04:53,720 --> 00:04:56,520 Speaker 1: the step? If somebody can show you you can avoid that. 96 00:04:56,520 --> 00:05:00,400 Speaker 1: That's what mentorship is all about. Talk about a bad 97 00:05:00,560 --> 00:05:04,880 Speaker 1: rap that millennials get because they have more access to tech, 98 00:05:04,960 --> 00:05:07,799 Speaker 1: they have more access to clear understanding of social media, 99 00:05:08,160 --> 00:05:11,279 Speaker 1: a better understanding of marketing, and a better understanding of 100 00:05:11,360 --> 00:05:14,360 Speaker 1: what an entrepreneurship me and an entrepreneur is not just 101 00:05:14,440 --> 00:05:16,559 Speaker 1: a it's bigger than It's more than just a running 102 00:05:16,560 --> 00:05:20,960 Speaker 1: the business. It's running the brand. Yeah, I think the 103 00:05:21,320 --> 00:05:23,920 Speaker 1: biggest thing, and I think anything that on here, I'm 104 00:05:23,920 --> 00:05:27,919 Speaker 1: a millennial. I'm at the very very beginning of it. Uh, 105 00:05:27,960 --> 00:05:30,720 Speaker 1: and uh, we get a bad rap because we don't 106 00:05:30,800 --> 00:05:34,360 Speaker 1: we're not necessarily we're not aware of where we actually 107 00:05:34,400 --> 00:05:38,440 Speaker 1: fit in in the spectrum of time and influence. And 108 00:05:38,560 --> 00:05:41,440 Speaker 1: so we're actually in the middle. Right. We were the 109 00:05:41,920 --> 00:05:45,000 Speaker 1: very first generation, in the last generation in some ways. Right, 110 00:05:45,040 --> 00:05:49,120 Speaker 1: So we were the the last generation to understand what 111 00:05:49,800 --> 00:05:54,320 Speaker 1: analog meant. Right. We we were born analog, grew up digital. 112 00:05:54,520 --> 00:05:57,560 Speaker 1: So we fit this really interesting space, so where we 113 00:05:57,560 --> 00:05:59,839 Speaker 1: know what a cassette tape is and the VCR is, 114 00:06:00,000 --> 00:06:04,200 Speaker 1: but we also understand streaming content Netflix and DVD and 115 00:06:04,320 --> 00:06:08,080 Speaker 1: digital streaming. Right, we understand both of these worlds and 116 00:06:08,120 --> 00:06:12,040 Speaker 1: how those two things eventually came together. And so the 117 00:06:12,440 --> 00:06:15,520 Speaker 1: bad rap is we none of us have ever been 118 00:06:15,520 --> 00:06:20,320 Speaker 1: here before, right, And what what wisdom is supposed to do? 119 00:06:20,720 --> 00:06:24,640 Speaker 1: The purpose of wisdom is to be transferred. That's what 120 00:06:24,800 --> 00:06:28,840 Speaker 1: wealth is all about, Right, It's about having something to transfer. 121 00:06:29,520 --> 00:06:32,200 Speaker 1: And one of the things we don't we don't necessarily 122 00:06:32,200 --> 00:06:36,800 Speaker 1: give enough credit for, give enough value to, is information. Right, 123 00:06:36,920 --> 00:06:40,359 Speaker 1: is the things that we've learned, and millennials have just 124 00:06:40,440 --> 00:06:44,080 Speaker 1: done a great job, in my opinion, humble opinion, of 125 00:06:44,120 --> 00:06:47,600 Speaker 1: taking the lessons that we've learned, whether intentionally from our 126 00:06:47,720 --> 00:06:51,080 Speaker 1: from our elders or unintentionally, and applied it to what 127 00:06:51,200 --> 00:06:52,760 Speaker 1: it is the lives that we want to live and 128 00:06:52,760 --> 00:06:55,080 Speaker 1: the things that we want to create. To me, that 129 00:06:55,240 --> 00:07:00,279 Speaker 1: is the greatest wealth generation or wealth practice that we 130 00:07:00,360 --> 00:07:02,960 Speaker 1: have actually been able to transfer from generation to generation. 131 00:07:03,040 --> 00:07:04,919 Speaker 1: And I think that's a great place to start to 132 00:07:05,000 --> 00:07:07,520 Speaker 1: continue to build in other areas. You know, it's really 133 00:07:07,520 --> 00:07:09,160 Speaker 1: interesting when you were talking about you know, you was 134 00:07:09,200 --> 00:07:11,160 Speaker 1: born in the analog, and you know, I grew up 135 00:07:11,160 --> 00:07:16,640 Speaker 1: in the A track A track and the rotary dial 136 00:07:16,760 --> 00:07:19,720 Speaker 1: telephone and then pushed the touchtone. You know, that was 137 00:07:19,760 --> 00:07:22,760 Speaker 1: a lot to be compressed. Uppers that baby, come on now. 138 00:07:23,320 --> 00:07:26,280 Speaker 1: But the last twelve years, when you've seen the the 139 00:07:26,320 --> 00:07:29,760 Speaker 1: iPhone come out, you know, we've seen technology just you know, 140 00:07:29,800 --> 00:07:32,680 Speaker 1: I think that's that's at warp speed. I guess you 141 00:07:32,680 --> 00:07:35,600 Speaker 1: could use the terminology because of the fact that you 142 00:07:35,640 --> 00:07:38,240 Speaker 1: know you can heal the c D came out, then 143 00:07:38,280 --> 00:07:42,400 Speaker 1: it's basically outdated because its streaming. Okay, so right now, 144 00:07:42,480 --> 00:07:44,560 Speaker 1: you know the streaming services have told you why do 145 00:07:44,600 --> 00:07:46,160 Speaker 1: you need those CD player? Why do you need to 146 00:07:46,200 --> 00:07:48,760 Speaker 1: buy CDs? And so it has changed the music game 147 00:07:48,800 --> 00:07:51,000 Speaker 1: because you have more more more independent artists. They use 148 00:07:51,040 --> 00:07:53,600 Speaker 1: their social media to drop their own sales and things 149 00:07:53,640 --> 00:07:57,040 Speaker 1: like that, and so that technology. Man, you know, I'm 150 00:07:57,040 --> 00:07:59,880 Speaker 1: looking at collab Capital. Talk about in this new era, 151 00:08:00,320 --> 00:08:02,800 Speaker 1: you know, because trying to do what you're trying to do, 152 00:08:02,960 --> 00:08:05,200 Speaker 1: what I was growing up may not have been possible, 153 00:08:05,240 --> 00:08:07,320 Speaker 1: but you can do it now. Talk about the whole 154 00:08:07,320 --> 00:08:12,920 Speaker 1: basis and the reason that that that that company was founded. Yeah, 155 00:08:12,960 --> 00:08:16,920 Speaker 1: I love telling our story. Uh. Collap Capital was birthed 156 00:08:16,920 --> 00:08:20,360 Speaker 1: out of three good friends who started their companies around 157 00:08:20,400 --> 00:08:23,680 Speaker 1: the same time I started my tech startup in two 158 00:08:23,720 --> 00:08:26,680 Speaker 1: thousand and twelve. Jewel Burg Solomon she started hers in 159 00:08:26,720 --> 00:08:29,760 Speaker 1: two thousand and twelve, and Barry Givings, our third partner 160 00:08:30,400 --> 00:08:33,520 Speaker 1: who really is the brainchild of bringing us together, he 161 00:08:33,559 --> 00:08:35,960 Speaker 1: started his business around the same time. So about six 162 00:08:36,000 --> 00:08:38,800 Speaker 1: months we were all starting our our business in a 163 00:08:38,960 --> 00:08:45,320 Speaker 1: very young tech entrepreneurial city, Atlanta, twelve or twelve years ago, 164 00:08:46,160 --> 00:08:49,760 Speaker 1: excuse me, eight years ago was um just what we 165 00:08:49,800 --> 00:08:52,280 Speaker 1: call like a fledgling tech hub. Like we were just 166 00:08:52,320 --> 00:08:56,160 Speaker 1: starting to form, and we realized that as we were 167 00:08:56,160 --> 00:08:59,120 Speaker 1: building our businesses, UH, it would have been great to 168 00:08:59,320 --> 00:09:03,240 Speaker 1: have a greater community and connectivity to those that could 169 00:09:03,280 --> 00:09:06,200 Speaker 1: write checks, right, so investors, um, those that could be 170 00:09:06,240 --> 00:09:10,840 Speaker 1: our customers for our ventures UH and really the right talent. 171 00:09:11,080 --> 00:09:13,600 Speaker 1: And so we realized that as we're going our businesses, 172 00:09:13,960 --> 00:09:16,880 Speaker 1: that when we exited those businesses and we were to 173 00:09:16,960 --> 00:09:19,959 Speaker 1: whatever height level of success, we want to make sure 174 00:09:20,000 --> 00:09:24,480 Speaker 1: that the next group of innovators, tech entrepreneurs, brand builders, 175 00:09:24,520 --> 00:09:26,960 Speaker 1: they actually had some shoulders to stand on. They didn't 176 00:09:27,000 --> 00:09:29,360 Speaker 1: have to start where we started. Um, they were able 177 00:09:29,400 --> 00:09:32,439 Speaker 1: to start where we left off. And so we built 178 00:09:32,480 --> 00:09:37,520 Speaker 1: Collapse Capital to be a bridge for as far as knowledge, 179 00:09:37,720 --> 00:09:41,680 Speaker 1: social capital, and financial capital to help a lot of 180 00:09:41,800 --> 00:09:45,559 Speaker 1: early stage ventures and innovators avoid some of the traps 181 00:09:46,000 --> 00:09:47,880 Speaker 1: um and some of the things that they're likely going 182 00:09:47,920 --> 00:09:51,360 Speaker 1: to run into, but then also UH to catalyze more 183 00:09:51,400 --> 00:09:53,480 Speaker 1: of the communities to get behind some of the brands 184 00:09:53,480 --> 00:09:56,200 Speaker 1: and the companies that they're building. So that was kind 185 00:09:56,240 --> 00:09:58,960 Speaker 1: of the quick abridge version. But that's that's at the 186 00:09:58,960 --> 00:10:01,400 Speaker 1: epicenter of what we do. Okay, let me just read 187 00:10:01,440 --> 00:10:04,200 Speaker 1: this Withlberate. The team announced the launch of creating the 188 00:10:04,280 --> 00:10:08,200 Speaker 1: largest fund for Black founders in June Juno this year, 189 00:10:08,480 --> 00:10:11,760 Speaker 1: collaborat an entity Founders to support black owned businesses in 190 00:10:11,760 --> 00:10:14,200 Speaker 1: a way that would create and sustained wealth within the 191 00:10:14,200 --> 00:10:16,640 Speaker 1: Black community. I ask you this, and this is an 192 00:10:16,640 --> 00:10:19,439 Speaker 1: honest question. What is the Black community? Is it the 193 00:10:19,520 --> 00:10:22,680 Speaker 1: neighborhood or is it people? Is the movement? What is 194 00:10:22,720 --> 00:10:26,760 Speaker 1: the Black community? That's a great question. I wish I 195 00:10:26,800 --> 00:10:30,040 Speaker 1: had like a more eloquent answer. Um, I will say 196 00:10:30,080 --> 00:10:32,440 Speaker 1: that you know, when I when I think about Black, 197 00:10:32,480 --> 00:10:35,800 Speaker 1: I think about the diaspora, and particularly the portion that's 198 00:10:35,800 --> 00:10:38,920 Speaker 1: here on this continent. Right, that's in America. Many of 199 00:10:39,040 --> 00:10:42,240 Speaker 1: us are descendants of UM slaves and one way or 200 00:10:42,240 --> 00:10:46,720 Speaker 1: another UM or another form of immigration. Uh so uh 201 00:10:46,920 --> 00:10:50,200 Speaker 1: not another form of immigration or immigration. Slavery is not 202 00:10:50,280 --> 00:10:55,200 Speaker 1: a form of immigration, to be clear service right right? Um? 203 00:10:55,280 --> 00:10:59,040 Speaker 1: So when I think about Black, I think about the 204 00:10:59,679 --> 00:11:01,839 Speaker 1: mind set, and I think about the community. I think 205 00:11:01,880 --> 00:11:06,280 Speaker 1: about a group of people. Uh that was given much 206 00:11:06,720 --> 00:11:08,760 Speaker 1: and yet we still have to find a way and 207 00:11:08,840 --> 00:11:12,719 Speaker 1: make away. Uh. And um that is at the epicenter 208 00:11:13,120 --> 00:11:16,719 Speaker 1: and then from there it obviously fragments and becomes a 209 00:11:16,760 --> 00:11:19,640 Speaker 1: little bit more diverse depending on you know where you 210 00:11:19,679 --> 00:11:23,319 Speaker 1: were able to do that. So the Southern um Black 211 00:11:23,320 --> 00:11:25,800 Speaker 1: individual is going to have a different mindset than the 212 00:11:25,880 --> 00:11:28,520 Speaker 1: Northern Black individual. But we're still a part of a 213 00:11:28,559 --> 00:11:32,800 Speaker 1: greater community of folks who are who are connected by blood. Honestly, 214 00:11:33,120 --> 00:11:35,520 Speaker 1: UM in a in a very unique way, and we 215 00:11:35,520 --> 00:11:38,480 Speaker 1: were challenged in charge to um continue to find a 216 00:11:38,480 --> 00:11:41,600 Speaker 1: way to move forward despite the history. It's finally here 217 00:11:41,880 --> 00:11:45,319 Speaker 1: the season of celebration, and no matter how you celebrate 218 00:11:45,320 --> 00:11:48,640 Speaker 1: with family and friends, whether you're preparing for reys, magos 219 00:11:48,760 --> 00:11:52,320 Speaker 1: or Karamu lighting the Manura are going to midnight mass, 220 00:11:52,520 --> 00:11:55,960 Speaker 1: Coals has just what you need to make those traditions special. 221 00:11:56,320 --> 00:11:59,400 Speaker 1: Plus you'll find gifts for all your loved ones. Send 222 00:11:59,480 --> 00:12:03,720 Speaker 1: warm wish is with cozy fleeces, sweaters, loungeware, blankets and throws. 223 00:12:04,080 --> 00:12:07,640 Speaker 1: Support minority owned or founded brands by giving gifts from 224 00:12:07,760 --> 00:12:11,319 Speaker 1: Human Nation and shame moisture, or treat them to everyone's 225 00:12:11,320 --> 00:12:15,480 Speaker 1: favorite activewear from top brands like Nike, Adidas, and under Armor. 226 00:12:15,880 --> 00:12:19,160 Speaker 1: And in the spirit of giving, Coals Cares is donating 227 00:12:19,240 --> 00:12:23,040 Speaker 1: eight million dollars to local nonprofits nationwide committed to the 228 00:12:23,080 --> 00:12:26,160 Speaker 1: health and well being of our communities. No matter how 229 00:12:26,200 --> 00:12:29,360 Speaker 1: you celebrate, when you shop at Coals, you're right where 230 00:12:29,400 --> 00:12:32,800 Speaker 1: you belong. 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With hoppin, 234 00:12:43,600 --> 00:12:46,679 Speaker 1: you can host a fully fledged digital meet up, complete 235 00:12:46,679 --> 00:12:50,400 Speaker 1: with one on one meetings, hands on sessions, and expo booths. 236 00:12:50,440 --> 00:12:53,079 Speaker 1: And because everything is hosted in a single, easy to 237 00:12:53,200 --> 00:12:55,679 Speaker 1: use platform, it can be as big or small as 238 00:12:55,679 --> 00:12:58,600 Speaker 1: you want, remain convenient for anyone who wants to attend, 239 00:12:58,720 --> 00:13:01,160 Speaker 1: and give you access to data you never would have 240 00:13:01,240 --> 00:13:04,839 Speaker 1: known otherwise. Visit happen dot com to learn more and 241 00:13:04,920 --> 00:13:09,319 Speaker 1: get started. Still living in and manually taking notes start 242 00:13:09,360 --> 00:13:12,160 Speaker 1: the new year with auto dot ai to generate automatic 243 00:13:12,200 --> 00:13:15,760 Speaker 1: notes for meetings, interviews, or lectures. With auto dot ai, 244 00:13:15,800 --> 00:13:19,120 Speaker 1: you can search the meeting notes, insert images, playback the audio, 245 00:13:19,240 --> 00:13:21,360 Speaker 1: and share them with your friends or coworkers. You can 246 00:13:21,440 --> 00:13:25,280 Speaker 1: capture action items, remember meeting details, and keep everyone informed. 247 00:13:25,440 --> 00:13:28,480 Speaker 1: Auto dot ai works for in person or virtual meetings 248 00:13:28,480 --> 00:13:31,440 Speaker 1: like Zoom, Microsoft Teams, and Google meet. Sign up for 249 00:13:31,440 --> 00:13:33,960 Speaker 1: free at auto dot ai or download the app for 250 00:13:34,000 --> 00:13:36,640 Speaker 1: free auto dot ai. That's O T T E R 251 00:13:36,840 --> 00:13:41,400 Speaker 1: dot ai. You know, we did from a financial percent standpoint, 252 00:13:42,080 --> 00:13:43,760 Speaker 1: of the banks that have closed in the country have 253 00:13:43,800 --> 00:13:46,440 Speaker 1: closed in black neighborhoods. That's a black neighborhood. That's why 254 00:13:46,480 --> 00:13:48,400 Speaker 1: I talk about community. Now we're gonna go back to 255 00:13:48,400 --> 00:13:52,680 Speaker 1: the black neighborhood. We're we're if that's what we're talking about. 256 00:13:52,960 --> 00:13:57,120 Speaker 1: How did one invest in the black neighborhood to uplift 257 00:13:57,160 --> 00:13:59,280 Speaker 1: you know, we always use these terminal the cream jobs 258 00:13:59,280 --> 00:14:01,839 Speaker 1: in the black community. That's what I always saying, what 259 00:14:01,840 --> 00:14:04,440 Speaker 1: what Because there's a difference between a community, which you 260 00:14:04,440 --> 00:14:07,360 Speaker 1: can be fluid, and a neighborhood, which is an actual 261 00:14:07,440 --> 00:14:12,080 Speaker 1: physical location. Now I'm talking about the neighborhood. They're trying 262 00:14:12,120 --> 00:14:17,800 Speaker 1: to change the game, trying to create um tax about properties, 263 00:14:17,920 --> 00:14:21,080 Speaker 1: whether it's uh putting properties that can be taxed, which 264 00:14:21,120 --> 00:14:23,920 Speaker 1: in turn will give you better educational system, you know, 265 00:14:23,920 --> 00:14:26,720 Speaker 1: the city service systems and things like that. Really what 266 00:14:26,800 --> 00:14:28,920 Speaker 1: happens is white people do that, they come back in 267 00:14:28,960 --> 00:14:31,240 Speaker 1: the black neighborhood, they upgrade and they say, hey, black people, 268 00:14:31,240 --> 00:14:33,880 Speaker 1: you gotta roll or the taxes get too high that 269 00:14:34,000 --> 00:14:37,360 Speaker 1: they're forced to roll. So when when when you collapse 270 00:14:37,480 --> 00:14:39,840 Speaker 1: came on board, what do you what is the ultimate goal? 271 00:14:39,920 --> 00:14:42,480 Speaker 1: Because you said, like I said, by the year the 272 00:14:42,480 --> 00:14:45,400 Speaker 1: medium that it worked for black household with zero, how 273 00:14:45,440 --> 00:14:48,480 Speaker 1: do you get to that number in so it won't 274 00:14:48,720 --> 00:14:53,040 Speaker 1: be zero? Yeah, Well, we recognize that that's a great question. 275 00:14:53,080 --> 00:14:57,880 Speaker 1: We recognize that we are we are one pillar of 276 00:14:57,880 --> 00:15:01,800 Speaker 1: a multi institution that we need to build. UM. It's 277 00:15:01,840 --> 00:15:05,000 Speaker 1: it's not just about financial capital to innovators. We recognize 278 00:15:05,040 --> 00:15:07,720 Speaker 1: that there needs to be grassroots efforts. There needs to 279 00:15:07,720 --> 00:15:10,640 Speaker 1: be neighborhood initiatives. We need to continue to fight for 280 00:15:10,680 --> 00:15:14,600 Speaker 1: political representation so that laws can favor UM favorite black 281 00:15:14,640 --> 00:15:18,320 Speaker 1: businesses and black communities. UM. For for us, when we 282 00:15:18,360 --> 00:15:22,200 Speaker 1: think about the local neighborhood, we think about UM main Street, right. 283 00:15:22,240 --> 00:15:24,360 Speaker 1: We talk about Main Street and Law Street all the time, 284 00:15:24,920 --> 00:15:28,400 Speaker 1: especially during COVID. That's been a topic of conversation quite 285 00:15:28,400 --> 00:15:31,080 Speaker 1: a bit. UM. One of the things that we we 286 00:15:31,160 --> 00:15:33,960 Speaker 1: focus on with Main Street is the digitization, right, like, 287 00:15:34,120 --> 00:15:36,600 Speaker 1: how how are these businesses going to continue to compete 288 00:15:36,960 --> 00:15:40,160 Speaker 1: in a world with amazons and ubers and lifts and 289 00:15:40,200 --> 00:15:44,720 Speaker 1: all these other technologies seemingly disrupting their flow and operations. 290 00:15:44,760 --> 00:15:46,320 Speaker 1: How do they how do we make sure that those 291 00:15:46,360 --> 00:15:48,440 Speaker 1: businesses are digital? And what are the new businesses that 292 00:15:48,440 --> 00:15:50,480 Speaker 1: are going to come out of this this digital world? 293 00:15:51,040 --> 00:15:53,240 Speaker 1: And so when we think about main Street, I think 294 00:15:53,320 --> 00:15:57,200 Speaker 1: I reimagine Main Street being filled with innovators that are 295 00:15:57,320 --> 00:16:00,640 Speaker 1: building products and brands that are still able to employee. 296 00:16:00,640 --> 00:16:05,080 Speaker 1: All right, they's still um um influence property values and 297 00:16:05,280 --> 00:16:07,880 Speaker 1: hopefully there are these are neighborhoods and communities that are 298 00:16:07,880 --> 00:16:11,040 Speaker 1: owned by black people. Right. That's the that's the big, 299 00:16:11,160 --> 00:16:14,720 Speaker 1: big piece is our part, you know, our small part, 300 00:16:14,840 --> 00:16:18,480 Speaker 1: along with what black banks can do, along with other 301 00:16:18,600 --> 00:16:22,640 Speaker 1: high network individuals, real estate people. It's all in concert. 302 00:16:22,800 --> 00:16:24,760 Speaker 1: It's all a part of it. But if we do 303 00:16:24,840 --> 00:16:28,000 Speaker 1: it well, we'll be able to put some cornerstones with 304 00:16:28,120 --> 00:16:30,760 Speaker 1: some black innovators building great businesses that can employ people 305 00:16:30,760 --> 00:16:34,880 Speaker 1: from the neighborhoods, recent college grads, um et cetera, and 306 00:16:35,200 --> 00:16:37,960 Speaker 1: really start to build neighborhoods from the from the people 307 00:16:38,040 --> 00:16:40,720 Speaker 1: up again the neighborhood. You know, I'm really interested. You know, 308 00:16:40,880 --> 00:16:44,080 Speaker 1: I come from originally born in Houston, Texas. Field Forward 309 00:16:44,200 --> 00:16:47,400 Speaker 1: was my neighborhood, you know, and now they put a 310 00:16:47,520 --> 00:16:50,760 Speaker 1: giant freeway through there. But that was always the sign. Okay, 311 00:16:51,120 --> 00:16:53,680 Speaker 1: let's be really, the white people are coming once they 312 00:16:53,720 --> 00:16:56,680 Speaker 1: once they put Interstate through your neighborhood. That means they 313 00:16:56,680 --> 00:16:58,880 Speaker 1: have ramps that can get off. They didn't build that 314 00:16:59,000 --> 00:17:01,280 Speaker 1: because it was us, because that neighborhood was there before 315 00:17:01,320 --> 00:17:04,200 Speaker 1: they built the interstate. That means they've created traffic flow. 316 00:17:04,680 --> 00:17:07,480 Speaker 1: That means they eventually, uh, the people who are playing 317 00:17:07,520 --> 00:17:10,200 Speaker 1: these homes, they maybe fifty thousand, a hundred thousand, that 318 00:17:10,280 --> 00:17:12,800 Speaker 1: property value might go up to fifty d and fifty 319 00:17:12,840 --> 00:17:16,600 Speaker 1: to three hundred thousand, which means that those communities that 320 00:17:16,680 --> 00:17:21,080 Speaker 1: weren't prepared for that elevation and taxes will be disenfranchised again. 321 00:17:21,440 --> 00:17:23,400 Speaker 1: And so when I when I look at what you're 322 00:17:23,400 --> 00:17:26,320 Speaker 1: trying to do, your partners, what is the ultimate goal 323 00:17:26,520 --> 00:17:30,480 Speaker 1: to protect the black community or the black neighborhood? Let 324 00:17:30,480 --> 00:17:33,160 Speaker 1: me just say black community. What is the ultimate goal 325 00:17:33,200 --> 00:17:35,800 Speaker 1: to protect the black neighborhood? Because we say a lot 326 00:17:35,880 --> 00:17:38,719 Speaker 1: of great things justin you know, we say trying to 327 00:17:38,760 --> 00:17:42,680 Speaker 1: create jobs. You know, we're trying to create uh infrastructures 328 00:17:42,680 --> 00:17:44,959 Speaker 1: where you don't have to go out of your neighborhood 329 00:17:45,000 --> 00:17:49,000 Speaker 1: to generate revenue. That's good in theory, because but black 330 00:17:49,040 --> 00:17:53,080 Speaker 1: neighborhoods unbuilt like that. Then I'm built for buildings that 331 00:17:53,160 --> 00:17:56,920 Speaker 1: have multiple layers of stories. You know, they usually maybe 332 00:17:56,920 --> 00:17:59,720 Speaker 1: two stories at the most. And so how do we 333 00:18:00,040 --> 00:18:02,480 Speaker 1: check the black neighborhood? How should I say, I'm pointing 334 00:18:02,480 --> 00:18:05,720 Speaker 1: on you. How does the collapse capital capital protect the 335 00:18:05,720 --> 00:18:11,679 Speaker 1: black neighborhood? Great question, manywhere, But I ain't mad. I 336 00:18:11,720 --> 00:18:14,280 Speaker 1: love that I would just tell you something. I can 337 00:18:14,320 --> 00:18:16,960 Speaker 1: only hit you because I know who you are and 338 00:18:17,400 --> 00:18:20,560 Speaker 1: our true respect what you're trying to do. But it's 339 00:18:20,600 --> 00:18:22,760 Speaker 1: because when you and I saw at the front of 340 00:18:22,800 --> 00:18:25,680 Speaker 1: this whole, you know whether it's greenwood and kill a 341 00:18:25,760 --> 00:18:28,280 Speaker 1: mic and whether it's you know, see what cash app 342 00:18:28,400 --> 00:18:32,119 Speaker 1: is doing. Technologists telling you now we're in a mobile world. 343 00:18:32,560 --> 00:18:35,160 Speaker 1: We don't you don't need to bank in the neighborhood anymore, 344 00:18:35,520 --> 00:18:37,919 Speaker 1: but you need to bank with technology. And that's what 345 00:18:37,960 --> 00:18:40,200 Speaker 1: you guys are doing right now. That's why I'm hitting 346 00:18:40,240 --> 00:18:42,720 Speaker 1: with these questions because I'm just letting people know that 347 00:18:43,080 --> 00:18:45,479 Speaker 1: there's a different communications out there that we need to understand. 348 00:18:45,480 --> 00:18:48,080 Speaker 1: There's a black community and there's a black neighborhood. Now 349 00:18:48,080 --> 00:18:51,119 Speaker 1: the black community is gonna get right first. Now that 350 00:18:51,200 --> 00:18:54,399 Speaker 1: black neighborhood is going to continue to struggle until we 351 00:18:54,480 --> 00:18:58,000 Speaker 1: get the technology accepted in the black neighborhood. That's right, 352 00:18:58,520 --> 00:19:00,520 Speaker 1: And I think anything there on that hey, I mean, 353 00:19:00,520 --> 00:19:02,880 Speaker 1: when it comes to protecting the black neighborhood, it all 354 00:19:02,880 --> 00:19:06,280 Speaker 1: starts with knowledge. It starts with information, and we have 355 00:19:06,400 --> 00:19:09,119 Speaker 1: to be um open minded. I think one of the 356 00:19:09,160 --> 00:19:12,520 Speaker 1: things that we we we've done over over the years 357 00:19:12,520 --> 00:19:17,840 Speaker 1: as of people is sometimes we are apprehensive to accept technology. 358 00:19:17,960 --> 00:19:20,280 Speaker 1: You know, we we don't we don't trust it for 359 00:19:20,359 --> 00:19:23,960 Speaker 1: various various reasons, real reasons. But I think that there's 360 00:19:23,960 --> 00:19:26,600 Speaker 1: an opportunity as long as we have equity and parity 361 00:19:26,840 --> 00:19:30,480 Speaker 1: within ownership of technology. The more technology that we are 362 00:19:30,520 --> 00:19:33,480 Speaker 1: building and we own, uh, then we can start to 363 00:19:33,520 --> 00:19:35,480 Speaker 1: build those lines of trust. And three is we don't 364 00:19:35,480 --> 00:19:37,680 Speaker 1: have to rely on the facebooks of the world. We 365 00:19:37,680 --> 00:19:39,520 Speaker 1: don't have to rely on the Instagrams or the twitters 366 00:19:39,520 --> 00:19:42,560 Speaker 1: of the world to determine, you know, our financial outcomes 367 00:19:42,560 --> 00:19:45,119 Speaker 1: and the voices and the things that we want to 368 00:19:45,119 --> 00:19:48,480 Speaker 1: see represented. If we own those technologies, we're invested in 369 00:19:48,480 --> 00:19:51,720 Speaker 1: those technologies. Then we can influence how those things aren't, 370 00:19:52,600 --> 00:19:55,080 Speaker 1: how they're built, and how they grow, and our prevalent 371 00:19:55,200 --> 00:19:58,520 Speaker 1: and present in our communities. So knowledge transfer is the 372 00:19:58,640 --> 00:20:00,399 Speaker 1: very first things we have to We have to be 373 00:20:00,440 --> 00:20:02,320 Speaker 1: open to it. We have to be open to exploring 374 00:20:02,359 --> 00:20:03,960 Speaker 1: and learning, and then we have to get into a 375 00:20:04,000 --> 00:20:06,640 Speaker 1: position in place where we actually own some of it. Cool. Now, 376 00:20:06,680 --> 00:20:08,840 Speaker 1: then question, I've got to got to do this interview, Right, 377 00:20:08,880 --> 00:20:11,160 Speaker 1: They're gonna say, how do we get in touch with you? 378 00:20:11,160 --> 00:20:13,600 Speaker 1: You know when you say something like providing black founders 379 00:20:13,600 --> 00:20:16,679 Speaker 1: with both social and economic capital, they need to scale. 380 00:20:17,119 --> 00:20:19,760 Speaker 1: How does want to gain access or is it something 381 00:20:19,800 --> 00:20:22,199 Speaker 1: that once feels out an application you're going online? What 382 00:20:22,359 --> 00:20:26,720 Speaker 1: exactly is collab capital? Yeah, so we we are a 383 00:20:27,320 --> 00:20:30,760 Speaker 1: highly visible and highly accessible investment p UM. We do 384 00:20:30,840 --> 00:20:34,359 Speaker 1: focus on black innovators. So we are looking for technologies 385 00:20:34,880 --> 00:20:37,800 Speaker 1: in the future of work, UM, so think think about 386 00:20:38,200 --> 00:20:41,960 Speaker 1: how people will work in the future. Future of care, so, 387 00:20:42,080 --> 00:20:43,920 Speaker 1: how people will care for themselves and how we will 388 00:20:43,920 --> 00:20:46,760 Speaker 1: care for each other. UM in the future of education, right, 389 00:20:46,760 --> 00:20:49,920 Speaker 1: how we will learn and so those are our primary areas. 390 00:20:49,960 --> 00:20:53,199 Speaker 1: But we're happy to talk to founders across UM various 391 00:20:53,280 --> 00:20:55,520 Speaker 1: verticals and industries, particularly ones that we may not be 392 00:20:55,520 --> 00:20:58,640 Speaker 1: aware of, so we're always curious. UM. How people get 393 00:20:58,640 --> 00:21:01,200 Speaker 1: in touch with us is, like I said, we're pretty 394 00:21:01,200 --> 00:21:04,880 Speaker 1: easy to find. UM. This collab dot capital is our 395 00:21:04,880 --> 00:21:07,960 Speaker 1: website where you can learn more about our mission, our 396 00:21:08,000 --> 00:21:10,639 Speaker 1: team and what we're building. Uh and if you're if 397 00:21:10,680 --> 00:21:12,879 Speaker 1: you're interested, if you have a company, UH, there's a 398 00:21:12,880 --> 00:21:16,080 Speaker 1: few different forms and race links on that website you 399 00:21:16,119 --> 00:21:17,639 Speaker 1: can you can reach out to us and let us 400 00:21:17,680 --> 00:21:22,120 Speaker 1: know what you're thinking. UM. We also have social media handles, 401 00:21:22,119 --> 00:21:25,320 Speaker 1: so we're on Instagram and collab dot collaub dot capital 402 00:21:25,359 --> 00:21:28,760 Speaker 1: on Instagram and um on Twitter as well. So if 403 00:21:28,760 --> 00:21:31,800 Speaker 1: you just search for collab it's a you'll see three rings. 404 00:21:31,960 --> 00:21:35,280 Speaker 1: The three rings is are our logo and so we're 405 00:21:35,320 --> 00:21:37,639 Speaker 1: easy to find and we're always happy to talk to 406 00:21:38,080 --> 00:21:40,879 Speaker 1: innovators and those that are, you know, interested in helping 407 00:21:40,960 --> 00:21:43,800 Speaker 1: black innovators succeed. Well, I know, you know, like I said, 408 00:21:43,800 --> 00:21:45,440 Speaker 1: it was great. I wanted to get you on because 409 00:21:45,440 --> 00:21:47,040 Speaker 1: I saw you a long time, but I want to 410 00:21:47,040 --> 00:21:49,520 Speaker 1: bring you other two parts back on, you know, in 411 00:21:49,560 --> 00:21:51,560 Speaker 1: the first quarter, so we can just talk about because 412 00:21:51,560 --> 00:21:53,639 Speaker 1: that's really key, you know, they've just signed off on 413 00:21:54,119 --> 00:21:57,840 Speaker 1: and gotten the you know, the new uh pandemic financial 414 00:21:57,880 --> 00:22:00,280 Speaker 1: package rolling, and so a lot of people won't we 415 00:22:00,400 --> 00:22:02,879 Speaker 1: hopefully won't be thrown out of their homes and we 416 00:22:03,040 --> 00:22:05,920 Speaker 1: will not be do all these quote of our benefits 417 00:22:05,960 --> 00:22:08,800 Speaker 1: they gave them, you know, the laying the rental rental payment, 418 00:22:08,920 --> 00:22:13,120 Speaker 1: the laying your financial taxes from your payroll checks. All 419 00:22:13,160 --> 00:22:15,359 Speaker 1: that is come and do. And so in the first 420 00:22:15,359 --> 00:22:17,600 Speaker 1: of the year, that first quarter, we're gonna need you, 421 00:22:17,880 --> 00:22:21,240 Speaker 1: not so much lending, but just giving advice. Because it 422 00:22:21,320 --> 00:22:23,720 Speaker 1: goes back to what I'm saying is that I'm just 423 00:22:23,800 --> 00:22:26,000 Speaker 1: letting everybody know there's a black community and there's a 424 00:22:26,040 --> 00:22:29,040 Speaker 1: black neighborhood, and we need to understand that conversation. When 425 00:22:29,040 --> 00:22:31,640 Speaker 1: we're talking about how do we change the way we walk? 426 00:22:32,160 --> 00:22:34,720 Speaker 1: The black community can be changed. It's the black neighborhood 427 00:22:34,760 --> 00:22:38,080 Speaker 1: that's still struggling. The black community is actually coming out 428 00:22:38,119 --> 00:22:41,119 Speaker 1: of the black neighborhood and also understands the value of 429 00:22:41,119 --> 00:22:44,520 Speaker 1: social media, understand the value of change, how understanding how 430 00:22:44,560 --> 00:22:46,639 Speaker 1: to pivot. You go to a black neighborhood, it's the 431 00:22:46,680 --> 00:22:49,600 Speaker 1: same black neighborhood. Violence is there. You know, limited job 432 00:22:49,600 --> 00:22:53,640 Speaker 1: opportunities there. There's an inability to understand that that there 433 00:22:53,640 --> 00:22:57,040 Speaker 1: there goals outside of that black neighborhood. And so that's 434 00:22:57,040 --> 00:23:00,960 Speaker 1: where I really uh applaud at you and what you're 435 00:23:00,960 --> 00:23:02,440 Speaker 1: trying to do. And that's why I want to bring 436 00:23:02,480 --> 00:23:03,800 Speaker 1: the thrie of you back on the show in the 437 00:23:03,840 --> 00:23:08,000 Speaker 1: first quarter so you know we can really we're gonna 438 00:23:08,040 --> 00:23:10,440 Speaker 1: we gotta get people like vaccinating. No, black people have 439 00:23:10,480 --> 00:23:13,439 Speaker 1: a concern about getting vaccinated. You know, I have a 440 00:23:13,440 --> 00:23:15,640 Speaker 1: concerned I'm just gonna gonna throw it off on black people, Okay, 441 00:23:15,680 --> 00:23:18,280 Speaker 1: rich trut McDonald concerned. Okay, when I see a lady 442 00:23:18,280 --> 00:23:23,119 Speaker 1: faint on TV, Okay, you know, okay, will that be 443 00:23:23,240 --> 00:23:25,919 Speaker 1: me fainting? Will I faint and not get back up? Okay? 444 00:23:25,960 --> 00:23:28,240 Speaker 1: I have the right to say that when you have 445 00:23:28,320 --> 00:23:31,520 Speaker 1: not given a period of test period to say this 446 00:23:31,600 --> 00:23:33,760 Speaker 1: is uh and usually to turns up the round. And 447 00:23:33,800 --> 00:23:35,679 Speaker 1: I knew you had to turn it around quickly. And 448 00:23:35,720 --> 00:23:38,000 Speaker 1: that's why I'm glad we have options here. You know, 449 00:23:38,040 --> 00:23:42,119 Speaker 1: a fire came out test Uh. Now we've got the 450 00:23:42,200 --> 00:23:45,320 Speaker 1: modern modermoat coming out now with the drug and the 451 00:23:45,359 --> 00:23:47,760 Speaker 1: third one's coming to Astra Zeneca is coming out, So 452 00:23:47,840 --> 00:23:50,040 Speaker 1: when I come back, we're gonna have a different world 453 00:23:50,040 --> 00:23:52,880 Speaker 1: that we're talking into. Well, we should have a run 454 00:23:52,880 --> 00:23:56,439 Speaker 1: of vaccinations. People will will hopefully be still in the 455 00:23:56,520 --> 00:23:58,400 Speaker 1: level of confidence because they would have gotten that three 456 00:23:58,440 --> 00:24:01,199 Speaker 1: hundred dollar a week check that we've gotten. The right day, 457 00:24:01,240 --> 00:24:02,960 Speaker 1: you would have gotten that six hundred dollar a week, 458 00:24:03,119 --> 00:24:06,879 Speaker 1: six hundred dollar stimulus check which was cut down from 459 00:24:06,880 --> 00:24:08,960 Speaker 1: twelve hundred and six hundred dollars. Six hundred dollar a 460 00:24:08,960 --> 00:24:11,040 Speaker 1: week check was cut down the three hundred dollars, So 461 00:24:11,200 --> 00:24:13,040 Speaker 1: you're getting half of what you got when he shut 462 00:24:13,119 --> 00:24:15,520 Speaker 1: us down. But I think that's all right because guess what, 463 00:24:15,600 --> 00:24:18,200 Speaker 1: we're not shutting down. We're moving forward. And I think 464 00:24:18,240 --> 00:24:20,159 Speaker 1: and I think that's what you're doing right now. My 465 00:24:20,200 --> 00:24:22,119 Speaker 1: whole thing and talking to you justin it was bringing 466 00:24:22,119 --> 00:24:24,120 Speaker 1: you on the show just to talk about your brand. 467 00:24:24,200 --> 00:24:26,199 Speaker 1: See that I would like your style. You got that 468 00:24:26,280 --> 00:24:28,400 Speaker 1: smooth little you know, a little I want to say, 469 00:24:28,520 --> 00:24:34,680 Speaker 1: Marvin Gay, You're the Marvin Gay of financial Okay, appreciate that. Well, 470 00:24:34,720 --> 00:24:36,920 Speaker 1: you know, you got that that tone I would love about. 471 00:24:36,960 --> 00:24:39,520 Speaker 1: You got that right tone. And and it's it's a 472 00:24:39,560 --> 00:24:41,359 Speaker 1: it's a it's a bedside tone. You know, if I, 473 00:24:41,520 --> 00:24:43,680 Speaker 1: if I if you are a doctor and you came 474 00:24:43,720 --> 00:24:46,520 Speaker 1: in you you you you you treat me right because 475 00:24:46,560 --> 00:24:48,600 Speaker 1: you let me know the facts. But you you have 476 00:24:48,840 --> 00:24:50,840 Speaker 1: a settling voice to let me know that you can 477 00:24:50,840 --> 00:24:53,159 Speaker 1: still be a participant. And that's really what this is 478 00:24:53,160 --> 00:24:55,440 Speaker 1: all about. My conversation with you is letting people know 479 00:24:55,520 --> 00:24:57,439 Speaker 1: that if you don't get the facts, you don't get 480 00:24:57,440 --> 00:24:59,439 Speaker 1: the information, you don't talk to the right people, then 481 00:24:59,480 --> 00:25:02,080 Speaker 1: you're gonna team to struggle. It's just the bottom line, 482 00:25:03,359 --> 00:25:05,639 Speaker 1: that's it. Uh. That, That's that's what I mean. You 483 00:25:05,680 --> 00:25:07,840 Speaker 1: hit the nail on the head. Well, and I appreciate 484 00:25:07,880 --> 00:25:10,200 Speaker 1: the compliment. I've never been told I have a good 485 00:25:10,200 --> 00:25:14,159 Speaker 1: bedside manner, but I appreciate that. Uh. And yeah, I 486 00:25:14,560 --> 00:25:17,720 Speaker 1: am happy to continue to teach. Um. I come from 487 00:25:17,720 --> 00:25:19,720 Speaker 1: a long line of teachers on my mother's side of 488 00:25:19,720 --> 00:25:22,760 Speaker 1: the family is a is a large family of teachers, 489 00:25:22,800 --> 00:25:25,399 Speaker 1: and so I feel it's my responsibility, you know, as 490 00:25:25,720 --> 00:25:28,000 Speaker 1: I continue to learn to share that knowledge. And yeah, 491 00:25:28,080 --> 00:25:30,720 Speaker 1: I'm happy to continue to to do that for our 492 00:25:30,800 --> 00:25:33,240 Speaker 1: for our communities, and for our people. Cool. Well, my man, 493 00:25:33,440 --> 00:25:36,000 Speaker 1: you know already told your first quarter bringing all through 494 00:25:36,040 --> 00:25:37,800 Speaker 1: you guys, on Who're gonna sit down, I have a 495 00:25:37,880 --> 00:25:40,560 Speaker 1: round table talk about the future of Black American Black 496 00:25:40,560 --> 00:25:44,560 Speaker 1: neighborhoods and also work Clapp Capital stands at that point 497 00:25:44,560 --> 00:25:47,280 Speaker 1: moving forward in one but again, thank you for coming 498 00:25:47,280 --> 00:25:49,760 Speaker 1: on Money Make a Conversation. Thank you for having trying 499 00:25:49,800 --> 00:25:52,600 Speaker 1: to get to see and uh yeah, I'll be buying something. 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