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Speaker 1: on this podcast. Terms and conditions apply. Hiring Indeed is
Speaker 1: all you need.
Speaker 2: What's going on earn is welcome the EYL University, the
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Speaker 6: I think the best thing to do is to have
Speaker 6: a goal, right, like buying a house. To me, I'm
Speaker 6: living in this house and it's a two family house,
Speaker 6: so that pays half my mortgage, you know, and my
Speaker 6: mortgage is less than what my rent would be for
Speaker 6: something this side. Three bedrooms, you know, two and a
Speaker 6: half bathrooms, a full backyard brownstone. And so I think
Speaker 6: what you have to do is think of what a
Speaker 6: smart investment is to you. And if you're living here,
Speaker 6: you would have been paying rent somewhere else, and so
Speaker 6: to me, that's money you would have been spending anyway.
Speaker 6: And so the two family house or a three family house,
Speaker 6: if I would have had a three family house, it
Speaker 6: would have probably paid the home mortgage. It was just
Speaker 6: coming up with that down payment. And so that's why
Speaker 6: I'm a big fan of having a goal of financially
Speaker 6: Every month, I have a goal of how much I
Speaker 6: want in my account for the next move I'm about
Speaker 6: to make. So I go really hard to reach it.
Speaker 6: And I've been doing really good at that, and so
Speaker 6: it helps me. Not because I used to be such
Speaker 6: a spend I used to love to shop, like I
Speaker 6: would be at the mall literally every week, you know,
Speaker 6: what can I buy? What can I get? But when
Speaker 6: you have goals like that, it makes you realize how
Speaker 6: unimportant that can be and not that you can't treat yourself,
Speaker 6: but it'll be like, Okay, I've hit this goal, I
Speaker 6: made this money. I have an extra fifteen hundred dollars.
Speaker 6: What am I going to do with it? You know,
Speaker 6: let me do something nice for myself. But I really
Speaker 6: do things, like I'm really big on using points. I
Speaker 6: use my MX cards for everything, and like, even I
Speaker 6: have a new house in Brooklyn that I'm renovating, I'm
Speaker 6: putting everything on my MX car so I can get
Speaker 6: those points and then I'll be buying furniture with the
Speaker 6: points that I got from using my MX card. You know,
Speaker 6: when I travel, I always fly on Delta because I
Speaker 6: have so many free flights now that I can use,
Speaker 6: and I get upgraded all the time because of my
Speaker 6: status on there.
Speaker 7: So I just try to do things that I know
Speaker 7: makes sense for me.
Speaker 5: That's something that's extremely important.
Speaker 2: Shot to the Hipop hundred Style has like.
Speaker 4: And all this stuff, but he was like, he's not
Speaker 4: buying all this design and stuff. He spends one hundred
Speaker 4: thousand dollars a month on Facebook ads and on his
Speaker 4: AMEX cards and he gets like seven thousand dollars reward
Speaker 4: points back so that seven thousand dollars reward points.
Speaker 5: He just goes to Nemen markets and just goes crazy.
Speaker 3: I got my first.
Speaker 7: Lily bag and my first and bag with points on
Speaker 7: my MX car.
Speaker 5: As though that's a gym in itself, Well it is that.
Speaker 4: Well we got to save that one in that's that's separate.
Speaker 4: That's a different one. But Angela, that's something that's extremely important.
Speaker 4: As far as house hacking. I don't want people to
Speaker 4: breeze over that because shout out to MPT the mortgage guy.
Speaker 4: We talked to him and he always talks about house hacking.
Speaker 4: House hacking is like when you live like what she's doing.
Speaker 4: She's a two family home, you live on one unit,
Speaker 4: you you rent out the other unit, or three family
Speaker 4: or four family whatever. So I think it says a
Speaker 4: lot when somebody she's famous and she's humble enough to
Speaker 4: living in a two family home renting out the other
Speaker 4: part because she under stands that it makes economic sense
Speaker 4: a lot of us, Like some people are struggling day
Speaker 4: to day and they got too much.
Speaker 5: Prize somebody else right right, like what I'm saying. So
Speaker 5: it's like I don't want that to get missed in
Speaker 5: this conversation.
Speaker 2: Let alone, you couldn't walk in the property before she
Speaker 2: had it.
Speaker 7: Yeah, I can't even see it.
Speaker 5: That's that's a lot to think about.
Speaker 4: People think about it, like I said, she has to
Speaker 4: do that, but she understands the importance of it.
Speaker 5: And it's like, why not.
Speaker 3: Can we talk about balance?
Speaker 2: Me? We go back and forth all the time about balance.
Speaker 2: He likes to have life unbalanced, just how he operates.
Speaker 2: I like to have balance. I'm listening to you. You're
Speaker 2: waking up at four am. Most people can't do that.
Speaker 2: That's dedication, right, your Hall of Fame radio career. Right,
Speaker 2: you have the real estate portfolio, you got the juice bars.
Speaker 2: You just said, you got the coffee shop. People forget that.
Speaker 3: You actually have a very successful podcast, right lip service.
Speaker 3: By the way, we came to your live show.
Speaker 5: We did come to.
Speaker 3: Great show. Davies was there eighty five hours? All brothers
Speaker 3: were there.
Speaker 5: Yeah.
Speaker 3: What does balance look like for you? Erners? What's up?
Speaker 3: You ever walk into a small.
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Speaker 1: You just realized your business needed to hire someone yesterday.
Speaker 1: How can you find and amazing candidates fast? Easy? Just
Speaker 1: use Indeed stop struggling to get your job posts seen
Speaker 1: on other job sites. With Indeed sponsored jobs, your post
Speaker 1: jumps to the top of the page for your relevant candidates,
Speaker 1: so you can reach the people you want faster. According
Speaker 1: to Indeed data, sponsored jobs posted directly on Indeed have
Speaker 1: forty five percent more applications than non sponsored jobs. Don't
Speaker 1: wait any longer, speed up your hiring right now with
Speaker 1: Indeed and listeners of this show will get a seventy
Speaker 1: five dollars sponsored job credit to get your jobs more
Speaker 1: visibility at indeed dot com slash pod katz thirteen. Just
Speaker 1: go to Indeed dot com slash pod Katz thirteen right now,
Speaker 1: and support our show by saying you heard about Indeed
Speaker 1: on this podcast. Terms and conditions apply. Hiring Indeed is
Speaker 1: all you need.
Speaker 6: Oh and the last thing I want to say is
Speaker 6: I did open a store in Detroit, also a herestore,
Speaker 6: a private label, and I can't forget that.
Speaker 7: I just open it in January.
Speaker 8: And go support it.
Speaker 7: Yeah, it's all thank you. It's like Emil and the
Speaker 7: Quinn every baby, come see.
Speaker 5: Us heavy in Detroit.
Speaker 3: Yeah, listen. How do you manage this? All? So?
Speaker 6: Balance for me is like like I've been working all
Speaker 6: day today. I know I have things that I have
Speaker 6: to do. But what I try to do is I
Speaker 6: always try to have one day out of the week
Speaker 6: during the week that I don't have a lot to do.
Speaker 6: So on that one day, I might have like a
Speaker 6: couple of really light things and that's when I handle
Speaker 6: stuff I need to handle for myself. And then on
Speaker 6: the weekend I try to make sure one of those
Speaker 6: two days is not super busy for me. Also because
Speaker 6: it is important to take a break, Like I try
Speaker 6: to make sure I get enough sleep. If I know
Speaker 6: I've been up working, I make sure like I'm going
Speaker 6: to bed at nine o'clock on you know, Thursday night,
Speaker 6: because I plan it, like I plan everything. My schedule
Speaker 6: is just super rigid and organized, like down to the minute,
Speaker 6: and so you know, that's it. And then a lot
Speaker 6: of times I try to mix business with pleasure as
Speaker 6: far as if I know I had some things to do,
Speaker 6: and you know, before there was a pin pandemic, but
Speaker 6: if I know I had somewhere to be, I'll invite
Speaker 6: some of my friends to come with me because I
Speaker 6: know they'll have a good time. For me, it might
Speaker 6: be work, but for a lot of them it's fun.
Speaker 6: And so that makes work fun for me when I
Speaker 6: have people that are fun around me.
Speaker 5: There you have it.
Speaker 3: It sounds like, offer to achieve over the next five
Speaker 3: years and how can we help?
Speaker 7: You said, what, what's.
Speaker 4: The biggest goal you're trying to achieve over the last
Speaker 4: five years, and how can we help?
Speaker 6: So my biggest goal is for these businesses that I started,
Speaker 6: I want them to be right now. I'm in an
Speaker 6: investment stage of everything, I feel like, you know, except
Speaker 6: for the juice bar, which has been open for a
Speaker 6: few years now, but like with the hair store, I
Speaker 6: need that to you know, start making money. And I
Speaker 6: mean it makes money now, but I need to get
Speaker 6: the return on my investment for the coffee company. The
Speaker 6: goal for the coffee company is for me to be
Speaker 6: able to be in stores, and I have all these
Speaker 6: meetings with different supermarket chains coming up for that and
Speaker 6: for the Press Juice Company, and so I want to
Speaker 6: make sure that those businesses are you know, huge multi
Speaker 6: million dollars one hundred million dollar businesses, and that's the
Speaker 6: goal for those. And then I'm going to franchise the
Speaker 6: coffee shops, and so I'm building it out so that
Speaker 6: it'll be franchisable so that other people can open their own.
Speaker 6: And we're doing our whole education program when it comes
Speaker 6: to coffee, because there's a lot in the coffee business
Speaker 6: that people don't know about.
Speaker 7: And every business that I do, I try to make.
Speaker 6: Sure that I'm always educating myself on it and taking
Speaker 6: classes and like learning everything so that I become somewhat
Speaker 6: of an expert on it, because I think it's the
Speaker 6: worst thing if you open the business and don't know
Speaker 6: anything about the business that you open.
Speaker 4: That's a gym. That is a gym. Moddies and gentlemen,
Speaker 4: are we gonna take the question, Yeah, how we doing
Speaker 4: with time? And they gotta get up early. You got
Speaker 4: a couple more minutes.
Speaker 7: Yeah, I'm fine.
Speaker 3: Can we try like an ask you segment?
Speaker 5: Yeah, let's do it.
Speaker 3: Let's do it. I think he's familiar with that.
Speaker 5: Let's do it.
Speaker 3: All right, let's go Drew ground.
Speaker 5: We're not getting we're not getting really avice.
Speaker 3: No relationship advice, be respectful. Uh, dree yourself. He's been
Speaker 3: up here. That's going on.
Speaker 8: How's it going, y'all? My question actually for for you guys,
Speaker 8: it was about opening up the roth So I just
Speaker 8: had my brother open up a rock. But when I
Speaker 8: was looking up roth a count's on Investipedia, it was
Speaker 8: saying that it has to be earned income and he
Speaker 8: doesn't work a job and he never has, so, like,
Speaker 8: is he able to open up that roth a count?
Speaker 5: How old is he?
Speaker 3: He's nineteen?
Speaker 4: I mean, yeah, they're not really gonna check it like that.
Speaker 4: It's really for the miners, I mean, but yeah, it's
Speaker 4: supposed to be. Like I mean, but how is he
Speaker 4: gonna put money if he never if he never had,
Speaker 4: if he doesn't work, you're gonna put money in for him?
Speaker 8: Well, he has a he has a banker, he has
Speaker 8: like a savings account with some money that he's made
Speaker 8: throughout his life, and we were just gonna move that
Speaker 8: money into his RYE.
Speaker 4: Yeah, I mean to give your because every the bigger
Speaker 4: we get a lot of people. The technical police are
Speaker 4: coming down on us at an alarming rate. I put
Speaker 4: a poster Cazar and they're like, that's tax fraud. He's
Speaker 4: gonna put you in jail. So pay your taxes. Yes, yes,
Speaker 4: it has to be earned income that you received. So
Speaker 4: I'm gonna give you the technical answer on this, and
Speaker 4: you can tell him that once he starts working, then
Speaker 4: he can start putting money into his retirement account.
Speaker 2: To hear a more extended conversation, make sure to check
Speaker 2: out our live YouTube show Market Mondays every Monday, eight
Speaker 2: pm Easter Standard Time, seven pm Central, and check out
Speaker 2: the Market Monday's podcast on iHeart, Spotify, Apple or wherever
Speaker 2: you download your podcast.
Speaker 9: Now my graduates from my school being false back and
Speaker 9: drop drop Mike, drop drop drop.
Speaker 6: Hey, everyone, this is Tatiana Manning, host of Real Talk
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Speaker 6: That's why we're doing the show to help customers save
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Speaker 8: So check us out on pg dot com, Ford Slash,
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