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Speaker 1: Welcome to Money Making Conversations. It's the show that she

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Speaker 1: has the secrets of success experience firsthand by marketing and

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Speaker 1: Brandon expert Rashan McDonald. I will know he's giving me

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Speaker 1: advice on many occasions. In incase you didn't notice, I'm

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Speaker 1: not broke. You know, he'll be interviewing celebrity CEOs and

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Speaker 1: entrepreneurs and industry decision makers. It's what he likes to do,

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Speaker 1: it's what he likes to share. Now it's time to

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Speaker 1: hear from my man, Rashan McDonald money Making Conversations. Absolutely, absolutely,

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Speaker 1: you're listening to Rushan McDonald and you're on being played

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Speaker 1: on the airways of Money Making Conversation, the fastest growing

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Speaker 1: podcast in America. I'm gonna put that out there because

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Speaker 1: it's happened. I'm just telling the truth. But if you're

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Speaker 1: not listening to me on podcast, you can hear me

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Speaker 1: in the line of Georgia. That's just a part of

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Speaker 1: the journey that I've been able to develop in building

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Speaker 1: this brand that we call Money Making Conversation. My next guest,

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Speaker 1: he's on the phone right now and I'm excited to

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Speaker 1: interview him. He is an NBA All Star tech investor

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Speaker 1: and New York Times bestselling Arthur of the sixth Man.

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Speaker 1: The swing Man was an All Star NBA All Star

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Speaker 1: in twenty twelve and it's been named to the NBA

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Speaker 1: All Defensive Team twice. He was the NBING Founders m

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Speaker 1: v P. I remember that year Tara tarab And was

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Speaker 1: a key component to the basketball basketball success then the

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Speaker 1: world championship run of the Golden State Wars. Please welcome

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Speaker 1: to money making conversation, Andre igu Dollar. How you doing, sir?

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Speaker 1: I'm doing good? My friends? Are you you sound alert here? Andre?

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Speaker 1: You know what what city? Or yeah? My friend? I

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Speaker 1: mean Eli at the moment, getting a little UM work

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Speaker 1: done on the body, listening a little bit and uh

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Speaker 1: getting some PRP plasma replacement UH treatment for the body

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Speaker 1: the uh you know, for the upcoming season, trying to

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Speaker 1: get ready um and have another successful run of it. Well,

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Speaker 1: you know the interesting thing about in part of your

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Speaker 1: book you talk about, you know that the training, a

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Speaker 1: lot of you know, the high tech ain'ting that you

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Speaker 1: you really have to look at your body. You know,

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Speaker 1: I've heard when I was reading about uh Lebron James,

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Speaker 1: he spends over a million dollars here when he flies,

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Speaker 1: his trainers fly with him. What exactly do do you?

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Speaker 1: What exactly do? When? When did the mindset that you

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Speaker 1: have to take care of your body start? Because I

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Speaker 1: read your book which is called the Six Mans six

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Speaker 1: the Sixth Man, and it started your journey, you know,

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Speaker 1: in Springfield, Illinois, and then you go through high school.

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Speaker 1: You know, we're really started elementary middle school. You're talking

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Speaker 1: about your brother Frank, and then you get to College

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Speaker 1: of Arizona. You almost went to Arkansas and then uh

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Speaker 1: Nola Richards he resigned and so you changed your mind

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Speaker 1: with Arizona. So when did you start taking care of

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Speaker 1: your body? Uh? I say, you know, you start having

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Speaker 1: those conversations early in the league. I mean the league

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Speaker 1: tries to uh pact as much information into UM a

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Speaker 1: week as they can, you know, because that's all the

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Speaker 1: time they have. It's called the Rickie Transition program. And

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Speaker 1: you hear that monor here. You know if you if

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Speaker 1: you brought a ferrari would you put cheap gas in it?

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Speaker 1: You start you start hearing out a lot. You can

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Speaker 1: apply that to pretty much anything that you're doing, and say,

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Speaker 1: you know, if you had a Ferrarie, how would you

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Speaker 1: treat it. You know, how many times would you wash it?

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Speaker 1: You handwash it, you would handwah it, or you know,

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Speaker 1: you would make sure you didn't get a scratch, or

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Speaker 1: you will put the right fluids into it. Um, you

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Speaker 1: will put the right things in any part of the engine,

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Speaker 1: and you will put top of the line products with it.

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Speaker 1: You know, Uh, cleaning the tires, you're trying to use

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Speaker 1: the best tire cleaner. So and in terms of just

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Speaker 1: my body, UM, I start to watch other guys and

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Speaker 1: see what they were doing. And it took me, uh

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Speaker 1: some years to find kind of like my niche and

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Speaker 1: kind of find what was optimal for me. And the

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Speaker 1: big thing was just doing a lot of homework, doing

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Speaker 1: my own study, and um, surrounding myself with people who

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Speaker 1: we're sharing that knowledge. And it was about it was

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Speaker 1: really when I started fixing my sleep and taking my

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Speaker 1: behind the bed is when a lot of things change.

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Speaker 1: And I said, okay, I'm not getting enough sleep. And

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Speaker 1: I started studying sleep and saying, okay, you gotta get

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Speaker 1: the eight hours a night and these are the things

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Speaker 1: that are keeping you up, and these are the things

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Speaker 1: that will help you go to sleep. Once you start

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Speaker 1: with that layer, you get really in depth with one

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Speaker 1: thing and it flows into a lot of other lifestyle

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Speaker 1: things in terms of health, and from there, the the

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Speaker 1: what I would started eating float into it. You know. UM,

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Speaker 1: let's meet a lot like like you know, almost cut

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Speaker 1: out meat, UH, dairy, UM, sugar. Trying to working on that,

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Speaker 1: which is hard, really hard to do because it's just

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Speaker 1: so accustomed to having those things in the American diet

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Speaker 1: and really a lot of us going back to tracing

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Speaker 1: my roots and seeing you know, what was beneficial to

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Speaker 1: uh um, you know, generations and generations before me, and

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Speaker 1: what their diets are like and how that affected their body.

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Speaker 1: Read a book right now called The Sports Gene and

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Speaker 1: talks in terms of you know what genus different cultures

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Speaker 1: have and how that effects are performances in different sports.

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Speaker 1: And you know why ep Opians and Kings are great

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Speaker 1: at uh long distance, and how Jamaicans are great at sprinting,

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Speaker 1: and you know how diets can help and hand you

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Speaker 1: or how a diet can help you compete with the

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Speaker 1: likes of those cultures. So um just really started to

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Speaker 1: do my homework or anything UM involving you know, whether

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Speaker 1: it be basketball, whether it be business and how I

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Speaker 1: can be my optimal self. Now I ask you this, Um,

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Speaker 1: we we're talking about your book The Sixth Man, But you,

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Speaker 1: as a person, what what view or what perspective of

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Speaker 1: person would you would want a person to have about

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Speaker 1: you as a as a man, as a as a husband,

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Speaker 1: as a father, as a as a business person? What what? What? What? What?

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Speaker 1: What image do you want to project when people say

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Speaker 1: your name or you walk into a room. I think

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Speaker 1: I just want people to realize that, you know, I'll

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Speaker 1: do my homework. You know, I'm very focused on process.

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Speaker 1: You know, it's not necessarily about the end results or

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Speaker 1: you know, the money or the fame. For me, it's

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Speaker 1: about seeing a journey or seeing and go. And I

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Speaker 1: really enjoy putting all the pieces together to build that

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Speaker 1: ultimate puzzle, you know, whether that be on the championship

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Speaker 1: team or helping the team be the best team that

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Speaker 1: that they can be. You know, it may only be

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Speaker 1: the team first round exited, but that we played our

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Speaker 1: best basketball, We got the most out of every single

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Speaker 1: person on the team. You know, that was a successful

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Speaker 1: year for that particular team. You know, I feel like

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Speaker 1: I'm trying to enhance anyone that I'm around. You know,

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Speaker 1: to for friends that or to business people that that

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Speaker 1: I get close to, or invest in companies. You know,

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Speaker 1: when I invest in the company and they say, well, us,

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Speaker 1: do you bring the table to the table besides you

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Speaker 1: know the financial side or did the equity? And I say, however,

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Speaker 1: I can help the company, and that may be putting

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Speaker 1: you in touch with other companies that I invested in,

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Speaker 1: or putting you in touch with UM power movers who

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Speaker 1: can help you find a CFO or help you find

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Speaker 1: the CMO. You know, I've tried to find a good

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Speaker 1: network of people across the globe and UM just connecting

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Speaker 1: people and UM building great products, building great companies, and

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Speaker 1: it's been a great journey. It's sort of like being

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Speaker 1: a GM on a basketball team. You know, you got

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Speaker 1: to find the right coach right UM basketball development system

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Speaker 1: to enhance the players, just bringing the best out of everybody.

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Speaker 1: We know. The thing about when I was reading your book,

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Speaker 1: the book is called the Sixth Band, I'm talking. I'm

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Speaker 1: interviewing andre Iguadolla in the book and this New York

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Speaker 1: Times best selling book. The thing that came across when

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Speaker 1: you talk about your brother, who was an amazing athlete,

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Speaker 1: you talked about Jeff Walker, You talked about different athletes

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Speaker 1: who who came along your life. You took what they

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Speaker 1: what you felt they never took to the next level

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Speaker 1: like finishes you talk about. You know, you read newspapers.

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Speaker 1: You know, people walking a room and go, why why

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Speaker 1: are this young kid reading newspaper because they thought that

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Speaker 1: was add but your but that was part of the house.

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Speaker 1: You could read the newspapers your parents, your mom excuse me,

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Speaker 1: your mom felt that was part of the growth process

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Speaker 1: to know the world for real. I do that with

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Speaker 1: my daughter. Always tell my daughter all my life, I said,

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Speaker 1: sit down and look at the six o'clock news, so

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Speaker 1: you won't to know what life. Look at the news.

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Speaker 1: Don't look at those to that other stuff. But you

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Speaker 1: gotta look at the news. And that was your mom's

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Speaker 1: approach was the newspaper. My approach was the six o'clock news.

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Speaker 1: And so when you look at the things that did

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Speaker 1: you value and did you're growing? And we got like

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Speaker 1: fifty seconds left in this, can you say real quick

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Speaker 1: about what bothered you when you didn't see people with

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Speaker 1: talent take advantage of it. Yeah, so I really we'll

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Speaker 1: try to process that, especially at young age, and you've

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Speaker 1: got people older than you, um, who you looked up to.

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Speaker 1: And what I found was, you know, you can become

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Speaker 1: a product in your environment where you know, folks didn't

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Speaker 1: expect you, you know, they generalized you. They didn't expect

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Speaker 1: you to have success in the classroom. They didn't expect

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Speaker 1: you to you know, have a mind and be able

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Speaker 1: to speak it and be able to articulate it. Um.

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Speaker 1: So for me, it was that it was a challenge.

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Speaker 1: You know, I made that a challenge. You know, Okay,

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Speaker 1: I'm gonna show you that it's more than dribbling the ball.

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Speaker 1: You know, I'm gonna be able to have success in

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Speaker 1: the classroom. I'm gonna be able to uh spark a

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Speaker 1: debate and be able to articulate you know why I

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Speaker 1: feel the way that I feel, And I'm gonna learn

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Speaker 1: as much as I can to be able to have

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Speaker 1: success in those conversations. So it was just it was

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Speaker 1: a challenge that I tried to put on my self

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Speaker 1: and you completed. Man, you know, just here and you talk,

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Speaker 1: you know, just here, the strength in your tone, the

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Speaker 1: knowledge um, your mom. You know, I'll be remissed if

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Speaker 1: I don't bring her name up. Doing this conversation, just

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Speaker 1: tell us the impact that she had in your life

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Speaker 1: and and how are you caring that impact to affect

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Speaker 1: other people positively. Yeah, my mom was very instrumental and

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Speaker 1: you know everything that I did, you know, even in

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Speaker 1: playing sports. Uh, she played a little bit of ball,

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Speaker 1: but she understood the game. She watched the game, and

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Speaker 1: she was very specific in terms of where her goals

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Speaker 1: were and where she wanted us to be. Uh. We

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Speaker 1: didn't have to be rich or or you know, we

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Speaker 1: had She had her own definition of success, which was

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Speaker 1: you know, experience in the world, you know, not being

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Speaker 1: having a small town mindset, which a lot of the

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Speaker 1: athletes where I come from, half they're always afraid to

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Speaker 1: experience different. That's why they end up right back at

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Speaker 1: home when they you know, after after a couple of

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Speaker 1: months of college. You know, that was like the norm,

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Speaker 1: you know, go to college for a couple of months

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Speaker 1: and to end up right back home. I couldn't handle

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Speaker 1: the pressures or you know, the you know, weren't astra

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Speaker 1: mayor with that environment and couldn't handle it. So that

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Speaker 1: was stuck in up my mind at a young age.

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Speaker 1: You know, you're getting out, he's going forward and home

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Speaker 1: as possible, and you're gonna see the world and you're

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Speaker 1: gonna maximize your potentials. And she was very tough at times,

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Speaker 1: but she was loving at the same time. You know,

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Speaker 1: I was a mama's boy, so I was very attached

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Speaker 1: to her um. So you know, it's just having somebody

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Speaker 1: that had confidence in you were having somebody that held

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Speaker 1: your accountable. And when you got the line out of line,

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Speaker 1: she put you right back And how you going really sad? Yeah,

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Speaker 1: he didn't play no games, but at the same time,

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Speaker 1: you knew somebody that had your back. You knew it

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Speaker 1: came from a loving place, so you know, it actually

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Speaker 1: made it easy. We know, when I got trouble by

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Speaker 1: my mother, you know I would sit back and reflecting

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Speaker 1: me like I was in the room. You know, most

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Speaker 1: of us should be like on my mom did me wrong,

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Speaker 1: my dad did me wrong, and I don't understand why

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Speaker 1: they're doing this to me. But for me, it was

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Speaker 1: like I don't know what it was. She this was

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Speaker 1: such a great parent that I understood everything she was

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Speaker 1: trying to love it to do or get across, and

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Speaker 1: she just wanted me to be successful. My man NBA

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Speaker 1: all start in twenty twelve, NBA All Start, All Defensive

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Speaker 1: Team twice, NBA World Champion, Olympic Champion also should have

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Speaker 1: been slam Junk Slam Dunk Champion, but that didn't happen

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Speaker 1: because guess what, there's a bad job just sitting at

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Speaker 1: the table. Y'all go out and buy his book. He's

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Speaker 1: my man, Andre Equa Dollar, the sixth Man, getting excited

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Speaker 1: to talk about that slam dunk. They should have gave you,

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Speaker 1: my man. I appreciate you coming on the show, and

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Speaker 1: if you ever need me, tell you PR people to

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Speaker 1: send me some some banners so I can putting on

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Speaker 1: my social media so I can extend the opportunities to

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Speaker 1: promoe out there. Man, you're great, dude. Do not change

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Speaker 1: anything that you do about yourself. Okay, I appreciate it.

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Speaker 1: Thank you so much. We'll be right back from March McDonald.

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Speaker 1: The money making conversations that don't touch that. We were

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Speaker 1: having coffee and I asked Jen where we should go

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Speaker 1: on vacation, and I said, with our bills, I don't

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Speaker 1: see a vacation happening. Yeah. Between our credit cards, a

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Speaker 1: washer and stove we bought on credit, and that unexpected

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Speaker 1: car repair Yeah, that wasn't in the budget anyway. We

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Speaker 1: agreed to take the week to research choices for a

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Speaker 1: fixed rate personal loan that would let us consolidate all

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Speaker 1: our bills into one low monthly payment and maybe have

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Speaker 1: some left over for vacation. And the crazy thing is

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Speaker 1: we both chose best egg dot com right. Best dagg

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Speaker 1: business day for We're an amazing personal loan. We paid

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Speaker 1: off all our cards and bills and still lowered our

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Speaker 1: monthly payment. Yeah, and now we saved enough to take

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Speaker 1: a little vacation. Yeah. Get your bills under control and

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Speaker 1: slash Life Best egg dot com slash Life subject to

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Speaker 1: credit approval, actual rate, Peace in approval times Berry. Hi,

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Speaker 1: this Rashan McDonald. You're listening to money making conversations everybody

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Speaker 1: knows about to show them, which I really have worked

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Speaker 1: harder the last two years along with my staff to

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Speaker 1: get the message out about money making conversation. Uh, the

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Speaker 1: purpose of money making conversations about entrepreneurship and entertainment. I

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Speaker 1: provide the consumer and business owner access to celebrities, CEOs,

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Speaker 1: entrepreneurs and industry decision makers. They in turn deliver information

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Speaker 1: by career planning, motivation, financial literacy, and how they lead

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Speaker 1: the balance life. And the part of the balance life

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Speaker 1: is giving back. It's something I've been doing all my life.

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Speaker 1: I guess in college in some way I pledged to

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Speaker 1: return into call of making sci fire and allowed me

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Speaker 1: to give back to my community. That way gave me structure,

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Speaker 1: gave me a vorce, and I've been doing it ever

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Speaker 1: since I pleased in eighteen eighty three. So I've been

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Speaker 1: involved in some type of philanthropic give back or some

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Speaker 1: charitable form of being able to say, people who don't

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Speaker 1: have what I have, let me see if I can

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Speaker 1: enable them to get at least close to what I

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Speaker 1: had out. My next guest is a philanthropist and co

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Speaker 1: founder of Kershaw's Challenge. It is co founded in twenty

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Speaker 1: It was co founded in Ellen and her husband, the

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Speaker 1: eight time Major League Baseball All Star Clayton Kershaw. Today,

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Speaker 1: the Kershaw's Challenge seeks to serve vulnerable and at ricks

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Speaker 1: at risk children living in Los Angeles, Dallas, Zambia, and

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Speaker 1: the Dominican Republic. The goal is to partner with organizations

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Speaker 1: that are committed to this as well as and work

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Speaker 1: alongside them on Pacific projects to make life better for children.

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Speaker 1: One of their signature events is the upcoming seventh annual

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Speaker 1: Ping Pong for Purpose, the Number four Purpose, being held

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Speaker 1: at Dodger Stabnum on August eight. Please welcome to Money

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Speaker 1: Making Conversations the very first time, and I'm proud to

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Speaker 1: have them. Ellen Kershaw, Hi, thanks for having me. Excited

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Speaker 1: to be here today to talk about Kershaw's challenge and

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Speaker 1: our events are benefit saries and everything in between. Well,

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Speaker 1: let's talk about it. Let's talk about the date says

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Speaker 1: twenty level it was founded. Yeah, okay, obviously something was

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Speaker 1: bothering you two in life. You're just seeing things and

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Speaker 1: you're going because a lot of times you get frustrated.

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Speaker 1: And I know that I participated in stuff because people

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Speaker 1: have asked me to participate in it. I've lended, I've

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Speaker 1: lent my name and my my dollars as well. So

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Speaker 1: this is a program that you two decided to uh

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Speaker 1: to engage as part of your brain. What drove that commitment?

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Speaker 1: In You know, that's a great question. I don't. I

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Speaker 1: don't know that we ever expected Kirkshaw's Challenge to be

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Speaker 1: where it is today. We didn't. We didn't begin it

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Speaker 1: hoping that it would flourish into what it is become.

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Speaker 1: It honestly started with just this finding, this need that

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Speaker 1: needed to be met right away. And I've been going

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Speaker 1: to Zambia, Africa, my entire college um time, and and

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Speaker 1: it was really important to me that Clayton would go

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Speaker 1: with me right after we got married. That three weeks

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Speaker 1: after we got married, we went to Africa and he

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Speaker 1: got to meet this little orphan, the same hope who

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Speaker 1: I had fallen in love with, and to be honest,

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Speaker 1: the most critical nequish. She just needed a home. She

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Speaker 1: needs a safe place to call home, a stable environment,

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Speaker 1: and a family. And and that's where it began. We

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Speaker 1: realized that Clayton's platform, the talent of baseball, gives us

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Speaker 1: an incredible voice, an opportunity to raise money and awareness

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Speaker 1: for this. And so it was on our plane flight

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Speaker 1: back from that first trip to Zambia that we just

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Speaker 1: decided we were gonna um start this mission and Clayton

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Speaker 1: would donate money for every strikeout he made and and

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Speaker 1: really start to use his platform to give back. So

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Speaker 1: in essence, we didn't expect it to grow to where

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Speaker 1: it is today. We honestly just went in thinking we've

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Speaker 1: got to build this girl at home. We wanted to

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Speaker 1: start with this children's home where orphans just like Hope

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Speaker 1: would have a place to grow up in a family environment.

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Speaker 1: So that's where it began, with just a singular focus,

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Speaker 1: meat and passion, and gosh, it is snowballed and escalated

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Speaker 1: and grown into something beyond. Our wildest dreams were dreams

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Speaker 1: of what made this happen. It was an emotionally what

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Speaker 1: made this happen. I'm speaking to Ellen Kershaw Um. We're

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Speaker 1: discussing the foundation that she started with her husband, Clade Crowshaw.

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Speaker 1: And there's some other cities. We started with Zambia and

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Speaker 1: then but you have Los Angeles, you have Dallas, and

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Speaker 1: we're gonna talk about the Dominican Republic. Los Angeles were

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Speaker 1: your base. So I think that's a natural relationship that

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Speaker 1: you walk out your front door, you see trouble, you

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Speaker 1: want to fix it close to home. But Dallas, so

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Speaker 1: Dallas is where Clayton and I are goes from We

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Speaker 1: actually spend our off season there. We still very much

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Speaker 1: consider that our home base. So um, even though we're

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Speaker 1: in l A during the season, and that absolutely become

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Speaker 1: a second home to us. We also spend a good

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Speaker 1: amount of time in Dallas, and for a while we

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Speaker 1: were only getting to go to Africa once a year

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Speaker 1: during the off season, and UM, Clayton and I heart

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Speaker 1: just continued to crave service and finding those kids who

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Speaker 1: are vulnerable and in need, and um that we could

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Speaker 1: be touching throughout the baseball season and during the off season.

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Speaker 1: So that's how we began to include Los Angeles and Dallas.

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Speaker 1: Are are two home bases to Curtius challenge. You have

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Speaker 1: Arma Texas bar from Houston, Texas. So I didn't know.

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Speaker 1: I didn't know y'all with Texas. So this is kind

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Speaker 1: says you got in most spec Now, now mean did

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Speaker 1: your Dallas you know, you know you up in Dallas,

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Speaker 1: you know you're used to really where it's happening. I'm

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Speaker 1: gonna just let you know that, Ellen, I'm just gonna

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Speaker 1: let you know. There's my show. I could say that,

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Speaker 1: but you do some great cause. Now not a Dominican Republic,

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Speaker 1: How did we get over there to the Dominican Republic.

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Speaker 1: So that was really important to Clayton. That actually is

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Speaker 1: where his passion really stemmed from. He has had so

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Speaker 1: many teammates that have come from the d R, and

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Speaker 1: you know, over there, baseball is value that kind of

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Speaker 1: the most important. That for a lot of kids, the

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Speaker 1: ticket off the island and they just kind of hold

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Speaker 1: it with such reverence that sport. That Clayton really knew

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Speaker 1: how powerful his voice and his platform would be over there.

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Speaker 1: And and he's met so many baseball players that were

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Speaker 1: once those honorable kids that really needed an extra boost

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Speaker 1: and a helping hand to get them to where they

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Speaker 1: are today. So that's where that's where we added on

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Speaker 1: the Dominican Republic. Okay, cool. So you have like four locations.

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Speaker 1: You have Dallas, Zambi Up, and Dominical Republic in each location.

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Speaker 1: Is the responsibility of the purpose the same in each

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Speaker 1: location or do they shift based on needs? You know,

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Speaker 1: it does shift based on needs. But the essence of

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Speaker 1: Kershaw's challenge is vulnerable and at rich children. Especially when

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Speaker 1: Clayton and I became parents ourselves, it is unimaginable for

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Speaker 1: us to think about kids out there who don't have

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Speaker 1: a stable environment, a safe place to call home, as

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Speaker 1: our kids do, and so really our heart reaches in

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Speaker 1: a whole new capacity once he's become parents. I know

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Speaker 1: that you know I'm a parent. I know exactly what

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Speaker 1: I see um kids who are being abused, the kids

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Speaker 1: that don't have what I think it's should be normal,

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Speaker 1: it really is. It's really uh, it's unexplainable. So I

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Speaker 1: find what you're saying very relatable. From an emotional standpoint,

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Speaker 1: I find it amendable that you took your emotion and

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Speaker 1: turned it into a passion. That passion became an idea

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Speaker 1: and using Now now you know you say your husband

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Speaker 1: Clayton Clayton and then you say, hey, Rashan, let me

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Speaker 1: just get your straights. Zambia was was something I was

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Speaker 1: involved in when I was in college. Now, how did

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Speaker 1: y'all Brunette scope together and they formed this? This is

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Speaker 1: now we're twenty eleven. Now you know you you got

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Speaker 1: this passion. You know you you're making decisions that you

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Speaker 1: have four four cities already in place, or did you

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Speaker 1: start with one city and just started expanding. That's a

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00:21:16,400 --> 00:21:19,040
Speaker 1: great question. M Clayton and I actually started dating when

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Speaker 1: we were in high school. We were just fourteen years

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Speaker 1: old and best friends. And and then I actually went

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Speaker 1: off to college at Texane m and I'm a university

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Speaker 1: used in Cougar. Now you need to stop talking. Now

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Speaker 1: you need to stop talking. Thanks gim. We have these

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Speaker 1: four years where both of us really got to flourish

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Speaker 1: on our own and we were still dating, but he

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Speaker 1: was pursuing his dream of baseball, and meanwhile I was

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Speaker 1: going to spending my college summers going to Africa, and

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Speaker 1: so we almost were going down the two completely opposite past,

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Speaker 1: both both pursuing our passions and dreams, and and part

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Speaker 1: of us were a little it worried about like how

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00:22:01,040 --> 00:22:03,800
Speaker 1: can these actually ever intersect? How are we going to

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Speaker 1: figure out how we suppose get to do what we

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Speaker 1: are passionate about, and how there be any overlap. And

429
00:22:09,040 --> 00:22:11,679
Speaker 1: that's kind of the beauty of Kershaw's challenge. It it it

430
00:22:11,880 --> 00:22:16,400
Speaker 1: is the perfect culmination of my passion for Zambia and

431
00:22:16,440 --> 00:22:19,359
Speaker 1: the orphans there, and Clayton getting to use his platform

432
00:22:19,480 --> 00:22:22,600
Speaker 1: to rescue him to bring awareness to them, to raise

433
00:22:22,640 --> 00:22:24,960
Speaker 1: a lot of money for them. And even though it

434
00:22:25,000 --> 00:22:28,720
Speaker 1: began as my passion and my calling, I mean once

435
00:22:28,760 --> 00:22:31,439
Speaker 1: Clayton went over there and thought from himself, you you

436
00:22:31,480 --> 00:22:33,840
Speaker 1: can't help, but it becomes your passion and your calling

437
00:22:33,880 --> 00:22:36,600
Speaker 1: to it. Just it changes who you are, and um,

438
00:22:36,760 --> 00:22:38,439
Speaker 1: you leave a part of your heart over there that

439
00:22:38,680 --> 00:22:41,919
Speaker 1: you never get back. Um, it's very much become a

440
00:22:41,920 --> 00:22:43,840
Speaker 1: part of who he is as well. Never let's talk

441
00:22:43,840 --> 00:22:47,320
Speaker 1: about this because I know when you do locations like this,

442
00:22:47,760 --> 00:22:50,440
Speaker 1: you have to pardon with organizations that are already committed

443
00:22:50,480 --> 00:22:52,760
Speaker 1: in this direction. How do you select it? Because that's

444
00:22:52,760 --> 00:22:55,520
Speaker 1: a trust factor, because now you're putting your brand and

445
00:22:55,560 --> 00:22:58,400
Speaker 1: your association and you know sometimes when you do good,

446
00:22:58,520 --> 00:23:00,680
Speaker 1: if you do good with the wrong people, they can't

447
00:23:00,720 --> 00:23:03,000
Speaker 1: come back with a negative back back lash. How do

448
00:23:03,040 --> 00:23:07,159
Speaker 1: you selectly? You know, how do you how do you

449
00:23:07,200 --> 00:23:09,879
Speaker 1: partner up with? How do you vent the organization that

450
00:23:09,960 --> 00:23:12,800
Speaker 1: you're partnering up with? You know, we have a really

451
00:23:12,840 --> 00:23:17,760
Speaker 1: extensive application and interview process and um, we ask for references,

452
00:23:18,000 --> 00:23:22,000
Speaker 1: we do site visit, um arise Africa with who we

453
00:23:22,080 --> 00:23:24,240
Speaker 1: partner with an Africa and we've actually Clinton and I

454
00:23:24,320 --> 00:23:26,359
Speaker 1: got to be with them from the very beginning and

455
00:23:26,400 --> 00:23:28,560
Speaker 1: so in essence we've a little bit gotten to help

456
00:23:28,680 --> 00:23:31,880
Speaker 1: them grow and grows from the very beginning, and that's

457
00:23:31,880 --> 00:23:34,240
Speaker 1: made a huge different set. What are some of the

458
00:23:34,240 --> 00:23:37,640
Speaker 1: other upcoming projects that the Kershaw's Challenges doing this year

459
00:23:37,960 --> 00:23:41,440
Speaker 1: and in the future. So locally in l A. Actually

460
00:23:41,480 --> 00:23:44,600
Speaker 1: next week, we have this event. It's really special. It's

461
00:23:44,640 --> 00:23:46,439
Speaker 1: called the Back to School Bash, and we partner with

462
00:23:46,480 --> 00:23:48,919
Speaker 1: the Dream Center here in Los Angeles. We get to

463
00:23:48,920 --> 00:23:52,600
Speaker 1: pack up pass out thousands and thousands of backpacks two

464
00:23:52,640 --> 00:23:55,280
Speaker 1: kids who are about to start school and maybe you're

465
00:23:55,280 --> 00:23:58,560
Speaker 1: going into the school, you're feeling very unprepared. Um. And

466
00:23:58,600 --> 00:24:02,000
Speaker 1: so these families thing line up around the block starting

467
00:24:02,040 --> 00:24:04,200
Speaker 1: at c a m. In the morning, just to make

468
00:24:04,200 --> 00:24:07,680
Speaker 1: sure that their kid get a backpack filled with all

469
00:24:07,720 --> 00:24:10,640
Speaker 1: of the school spots they'll needs that these parents can't

470
00:24:10,680 --> 00:24:14,199
Speaker 1: provide themselves. And so once um, once the kids and

471
00:24:14,240 --> 00:24:17,280
Speaker 1: the families enter the line starting at ten am, I

472
00:24:17,280 --> 00:24:19,880
Speaker 1: mean they've now waited out there for seven hours hoping

473
00:24:19,920 --> 00:24:22,280
Speaker 1: to be one of the first two lines. And Clayton

474
00:24:22,280 --> 00:24:23,600
Speaker 1: and I get to stand at the front of the

475
00:24:23,600 --> 00:24:26,240
Speaker 1: lines and and see the smiles on these kids faces,

476
00:24:26,280 --> 00:24:29,600
Speaker 1: just feeling like they are now fully prepared and equipped

477
00:24:29,640 --> 00:24:31,879
Speaker 1: to start school. But once they enter the Back to

478
00:24:31,920 --> 00:24:34,920
Speaker 1: School Bash, it's pretty magical. Um. We get to do

479
00:24:35,359 --> 00:24:39,200
Speaker 1: I exam physicals, UM, back to school shopping, we have

480
00:24:39,359 --> 00:24:43,720
Speaker 1: racks of clothes, we do bike giveaways, haircut to start

481
00:24:43,760 --> 00:24:47,120
Speaker 1: school off. Really just all the things that I grew

482
00:24:47,200 --> 00:24:50,480
Speaker 1: up very much taking for granted. And these kids don't

483
00:24:50,600 --> 00:24:54,040
Speaker 1: they realize what an opportunity this is. And um, they're

484
00:24:54,040 --> 00:24:56,840
Speaker 1: just very thankful and it's incredible to get to witness

485
00:24:56,880 --> 00:24:59,040
Speaker 1: first hand passing a backpack out to a kid that

486
00:24:59,440 --> 00:25:03,040
Speaker 1: otherwise would not get that before school started. Awesome, before

487
00:25:03,040 --> 00:25:04,840
Speaker 1: I go, uh, we've got a one mint enough. In

488
00:25:04,840 --> 00:25:06,720
Speaker 1: this interview, I want to talk about how people can

489
00:25:06,720 --> 00:25:10,960
Speaker 1: give back and find out more about challenge. So you

490
00:25:11,000 --> 00:25:14,480
Speaker 1: can go to Kershaw's Challenge dot com that has all

491
00:25:14,520 --> 00:25:17,760
Speaker 1: of the information that anybody would need. Ways to get involved.

492
00:25:17,960 --> 00:25:20,879
Speaker 1: We have UM sometimes throughout the year we'll be selling

493
00:25:20,920 --> 00:25:24,159
Speaker 1: T shirts. You can represent here different stories of people

494
00:25:24,160 --> 00:25:26,440
Speaker 1: that are also giving back in their own unique ways.

495
00:25:26,800 --> 00:25:29,120
Speaker 1: Here about all the beneficiaries that we're getting to raise

496
00:25:29,160 --> 00:25:32,000
Speaker 1: money for this year. UM. That's where you can find

497
00:25:32,080 --> 00:25:35,000
Speaker 1: all of the information, but also follow us on social media.

498
00:25:35,119 --> 00:25:38,800
Speaker 1: We've got an Instagram account, of Facebook page, Twitter accounts,

499
00:25:39,000 --> 00:25:42,480
Speaker 1: and daily we are posting updates on those so um

500
00:25:42,560 --> 00:25:45,240
Speaker 1: we love our followers to follow along here the daily

501
00:25:45,320 --> 00:25:48,359
Speaker 1: changes and impact. Well, I would tell you something not

502
00:25:48,520 --> 00:25:50,760
Speaker 1: on the before a route on the back of school

503
00:25:50,760 --> 00:25:53,399
Speaker 1: batches that open to everybody, or these family screened or

504
00:25:53,440 --> 00:25:55,359
Speaker 1: can I post it on social media? It is open

505
00:25:55,440 --> 00:25:57,560
Speaker 1: to It is open to everybody. They just need to

506
00:25:57,600 --> 00:26:01,320
Speaker 1: look up the Dream Center in Los Angeles meet us there. Okay, cool,

507
00:26:01,720 --> 00:26:04,600
Speaker 1: thank you for coming on my show. You're amazing. Uh,

508
00:26:05,040 --> 00:26:07,840
Speaker 1: what's continued success? I'm an Astro fan, but I wish

509
00:26:07,840 --> 00:26:11,000
Speaker 1: continue says with the Dodges. Do they meet the astrod

510
00:26:11,000 --> 00:26:14,240
Speaker 1: serial keep I'm a post as much as I can

511
00:26:14,280 --> 00:26:16,359
Speaker 1: to promote everything that you do in the future. Okay,

512
00:26:16,560 --> 00:26:20,320
Speaker 1: thank you for calling. We'll be right back with more

513
00:26:20,680 --> 00:26:24,560
Speaker 1: from McDonald of money making conversations. That we were having

514
00:26:24,560 --> 00:26:26,680
Speaker 1: coffee and I asked Jen where we should go on vacation,

515
00:26:26,880 --> 00:26:29,480
Speaker 1: and I said, with our bills, I don't see a

516
00:26:29,560 --> 00:26:33,080
Speaker 1: vacation happening. Yeah, between our credit cards, a washer and

517
00:26:33,240 --> 00:26:37,359
Speaker 1: stove we bought on credit, and that unexpected car repair, yeah,

518
00:26:37,520 --> 00:26:40,400
Speaker 1: that wasn't in the budget anyway, we agreed to take

519
00:26:40,440 --> 00:26:42,760
Speaker 1: the week to research choices for a fixed rate personal

520
00:26:42,840 --> 00:26:45,320
Speaker 1: loan that would let us consolidate all our bills into

521
00:26:45,359 --> 00:26:49,360
Speaker 1: one low monthly payment and maybe have some leftover for vacation.

522
00:26:49,560 --> 00:26:52,680
Speaker 1: And the crazy thing is we both chose best egg

523
00:26:52,720 --> 00:26:55,840
Speaker 1: dot com Right best Day got five stars on Consumer

524
00:26:55,840 --> 00:26:58,480
Speaker 1: Affairs for their easy online loan app that takes about

525
00:26:58,520 --> 00:27:01,159
Speaker 1: a minute and doesn't impact your credit score. Yeah, and

526
00:27:01,200 --> 00:27:03,840
Speaker 1: we got approved in one business day for an amazing

527
00:27:03,880 --> 00:27:07,040
Speaker 1: personal loan. We paid off all our cards and bills

528
00:27:07,119 --> 00:27:09,840
Speaker 1: and still lowered our monthly payment. Yeah, and now we

529
00:27:09,920 --> 00:27:12,480
Speaker 1: saved enough to take a little vacation. Yeah. Get your

530
00:27:12,480 --> 00:27:16,240
Speaker 1: bills under control and your finances back on track at

531
00:27:16,320 --> 00:27:20,120
Speaker 1: best egg dot com slash Life. Best egg dot com

532
00:27:20,240 --> 00:27:23,119
Speaker 1: slash Life subject to credit approval, actual rates, vis and

533
00:27:23,160 --> 00:27:30,160
Speaker 1: approval times. Verry. Let me tell you about the host

534
00:27:30,280 --> 00:27:35,600
Speaker 1: of money Making Conversations, Rashaan McDonald. He's a social media influencer.

535
00:27:35,800 --> 00:27:39,520
Speaker 1: Of his seven hundred thousand plus social media followers are female.

536
00:27:39,680 --> 00:27:42,359
Speaker 1: He's a two time Emmy Award winner, three time n

537
00:27:42,400 --> 00:27:46,439
Speaker 1: double A CP Image Award winner, sitcom writer, stand up comic,

538
00:27:46,800 --> 00:27:51,160
Speaker 1: former IBM executive, and has a degree in mathematics. More importantly,

539
00:27:51,400 --> 00:27:54,919
Speaker 1: Rashan McDonald will use his business and celebrity relationships to

540
00:27:54,960 --> 00:28:02,119
Speaker 1: empower small businesses with information to succeed. My next guest

541
00:28:02,760 --> 00:28:06,520
Speaker 1: is one of those people and the entrepreneurship lane, but

542
00:28:06,680 --> 00:28:09,000
Speaker 1: she's tied to education. So you're getting two things out

543
00:28:09,040 --> 00:28:12,399
Speaker 1: of you. Get your life right from a from a

544
00:28:12,480 --> 00:28:16,240
Speaker 1: business standpoint, and get your life right from an educational standpoint,

545
00:28:16,440 --> 00:28:19,280
Speaker 1: because she's trying to make your life right after you

546
00:28:19,359 --> 00:28:21,600
Speaker 1: got your degree, because a lot of times if you

547
00:28:21,640 --> 00:28:23,760
Speaker 1: go to school, you can walk away. Was it dead?

548
00:28:24,280 --> 00:28:26,879
Speaker 1: My next guest is the CEO of an award winning

549
00:28:26,920 --> 00:28:31,120
Speaker 1: business called the Student Loan Doctor. The Student Loan Doctor

550
00:28:31,320 --> 00:28:34,920
Speaker 1: is a student debt repayment company. She's considered the people's

551
00:28:35,040 --> 00:28:38,920
Speaker 1: expert for all matters related to student loan debt repayment.

552
00:28:39,200 --> 00:28:42,640
Speaker 1: She has over seven years of practical, higher education and

553
00:28:42,720 --> 00:28:47,400
Speaker 1: financial aid experience. Please welcome to money making conversation. Son,

554
00:28:47,440 --> 00:28:52,080
Speaker 1: your Lewis. Thank you so much for having me. I'll

555
00:28:52,120 --> 00:28:53,920
Speaker 1: tell you what that was. A that was an applause

556
00:28:54,040 --> 00:28:56,200
Speaker 1: driven up. You gotta get some applause, Sam, you know,

557
00:28:56,200 --> 00:28:58,880
Speaker 1: because I'm doing these applause Nowaday. You know, it's like,

558
00:28:59,320 --> 00:29:01,400
Speaker 1: you know, like I'm a I'm a performer. So usually

559
00:29:01,400 --> 00:29:04,080
Speaker 1: when people introduced me on the stage, it's applause that

560
00:29:04,160 --> 00:29:06,320
Speaker 1: carries me on the stage. So now I'm setting up

561
00:29:06,320 --> 00:29:09,719
Speaker 1: to all these great introduces, introductions and individuals. I need

562
00:29:09,760 --> 00:29:11,800
Speaker 1: a little paul. I'm not you know, it's something that

563
00:29:11,840 --> 00:29:15,240
Speaker 1: I don't have to pay for. Mixture is a copy free, okay,

564
00:29:15,360 --> 00:29:20,000
Speaker 1: trademark free. You know how you doing? Ms Lewis, I'm

565
00:29:20,640 --> 00:29:22,880
Speaker 1: how are you today? I'm doing fine? And where are

566
00:29:22,880 --> 00:29:29,000
Speaker 1: you based that right now? Calling from? Yeah? Okay, I've

567
00:29:29,080 --> 00:29:31,640
Speaker 1: just talked to another good friend up there in the

568
00:29:31,680 --> 00:29:34,720
Speaker 1: Philadelphy A area. I've been spent a lot of time

569
00:29:34,800 --> 00:29:37,440
Speaker 1: up there in New York. I take to exhale the

570
00:29:37,640 --> 00:29:40,440
Speaker 1: sale down from New York to d C. That's my

571
00:29:40,480 --> 00:29:42,360
Speaker 1: favorite way. I don't jump on the plane. I just

572
00:29:42,400 --> 00:29:44,760
Speaker 1: hop on that amtract train come on down. So I'm

573
00:29:44,800 --> 00:29:48,440
Speaker 1: always passing through Philly and it's a great opportunity to

574
00:29:48,440 --> 00:29:50,680
Speaker 1: get some good food. I just hang out and fairly

575
00:29:50,720 --> 00:29:53,040
Speaker 1: a lot. When I was imagining, Steve Harvey was there

576
00:29:53,040 --> 00:29:55,240
Speaker 1: at the Rich call to right downtown, that little area

577
00:29:55,240 --> 00:29:58,320
Speaker 1: down there, right across from that bookstore down there, That's

578
00:29:58,320 --> 00:30:00,920
Speaker 1: where I would hang out. So Philly area is good

579
00:30:01,000 --> 00:30:07,080
Speaker 1: to me. Now you my friend started the student long doctor. Yes,

580
00:30:07,120 --> 00:30:14,360
Speaker 1: because I was going through my own trials. In general,

581
00:30:13,800 --> 00:30:18,920
Speaker 1: that usual gives your inspiration. That gives you inspiration when

582
00:30:18,920 --> 00:30:20,959
Speaker 1: you're going through the problem. How do I fix this problem?

583
00:30:21,000 --> 00:30:22,520
Speaker 1: Then you're fixing? You go you don't Maybe I can

584
00:30:22,600 --> 00:30:24,760
Speaker 1: fix this for other people. So what was your problem?

585
00:30:24,840 --> 00:30:28,080
Speaker 1: Give us your story about your dad that really traumatized

586
00:30:28,120 --> 00:30:32,200
Speaker 1: you to the point that you you're inspired to fix

587
00:30:32,280 --> 00:30:36,600
Speaker 1: other people's problems. Yeah. So I started getting help with

588
00:30:36,640 --> 00:30:40,440
Speaker 1: my death because I really realized that I wasn't living

589
00:30:40,840 --> 00:30:42,880
Speaker 1: the life that God had told me to live. So

590
00:30:43,400 --> 00:30:46,000
Speaker 1: you can't be a good giver broke, and you can't

591
00:30:46,040 --> 00:30:48,920
Speaker 1: motivate or be encouraging to anyone if you are down

592
00:30:48,920 --> 00:30:51,480
Speaker 1: and dump yourself. And a lot of times I felt

593
00:30:51,520 --> 00:30:55,160
Speaker 1: like our problems fell from finances, right, So I had

594
00:30:55,160 --> 00:30:57,560
Speaker 1: to get me together. But if you're a good friend

595
00:30:57,560 --> 00:30:59,440
Speaker 1: and you care about the people around you, you want

596
00:30:59,440 --> 00:31:03,520
Speaker 1: to help them themselves together too. So I started to

597
00:31:03,560 --> 00:31:06,160
Speaker 1: help my friends and family because I'm like, they don't

598
00:31:06,160 --> 00:31:09,400
Speaker 1: know this information. I know they would have told me, right,

599
00:31:09,680 --> 00:31:13,200
Speaker 1: So I started helping people, and then people at the

600
00:31:13,360 --> 00:31:16,760
Speaker 1: church started to tell other people about the work we

601
00:31:16,760 --> 00:31:20,440
Speaker 1: were doing on Sundays after church. And you know I've

602
00:31:20,480 --> 00:31:23,560
Speaker 1: said Jesus saidn't say everybody had to be free. Now

603
00:31:23,560 --> 00:31:24,920
Speaker 1: I didn't. I didn't hear that. I didn't see that

604
00:31:24,960 --> 00:31:29,480
Speaker 1: in the scripture. So I started consulte when people want

605
00:31:29,520 --> 00:31:31,520
Speaker 1: about their stead the loans, because it was this thing

606
00:31:31,600 --> 00:31:34,120
Speaker 1: that everybody was coming to me for. Now. This is

607
00:31:34,160 --> 00:31:37,200
Speaker 1: my professional background. UM. For over nine years, I've been

608
00:31:37,200 --> 00:31:41,200
Speaker 1: doing this work UM for other colleges and universities. So

609
00:31:41,320 --> 00:31:43,080
Speaker 1: I'm like, well, what would it look like to do

610
00:31:43,120 --> 00:31:47,480
Speaker 1: it for yourself. So for the last three years, I've

611
00:31:47,480 --> 00:31:51,680
Speaker 1: been in business, initially myself for a year, and then

612
00:31:51,720 --> 00:31:54,480
Speaker 1: the last two I've hired a wonderful team to help

613
00:31:54,520 --> 00:31:57,600
Speaker 1: me take on uh this one point five trillion dollars

614
00:31:57,640 --> 00:32:00,840
Speaker 1: dead Now. I'm just gonna let you know. I was

615
00:32:00,880 --> 00:32:04,040
Speaker 1: talking to my staff a stay off the camera afradio,

616
00:32:04,080 --> 00:32:06,160
Speaker 1: excuse me, and we was talking about I was watching

617
00:32:06,160 --> 00:32:09,120
Speaker 1: this special NBC and it was these students, a group

618
00:32:09,120 --> 00:32:11,760
Speaker 1: of students out there who are in debt, and they're

619
00:32:11,800 --> 00:32:14,320
Speaker 1: just saying, we're not paying it back, We're just refusing

620
00:32:14,360 --> 00:32:16,560
Speaker 1: to pay. We're just gonna be it's comes out if

621
00:32:16,600 --> 00:32:20,600
Speaker 1: they ain'tven got a hashtag we won't pay, And I'm

622
00:32:20,640 --> 00:32:23,680
Speaker 1: going like, okay, how you how can you how? First

623
00:32:23,680 --> 00:32:25,080
Speaker 1: of all, I was mad at him because you know,

624
00:32:25,520 --> 00:32:28,000
Speaker 1: they just they were showing them shredding up their invoences.

625
00:32:28,040 --> 00:32:30,720
Speaker 1: They were coming in and going like really really, so

626
00:32:31,200 --> 00:32:34,720
Speaker 1: if you don't pay, who's gonna pay? So so, first

627
00:32:34,760 --> 00:32:36,880
Speaker 1: of all, I'm reckoning, I'm burning his little face, you know,

628
00:32:36,920 --> 00:32:39,560
Speaker 1: because they wouldn't reveal his name, you know, for some ready,

629
00:32:39,560 --> 00:32:41,080
Speaker 1: but they just showing his face. I don't know, I

630
00:32:41,120 --> 00:32:44,080
Speaker 1: don't know how, I don't know what what education they got,

631
00:32:44,160 --> 00:32:46,640
Speaker 1: But if I see your face, I'm eventually gonna know

632
00:32:46,800 --> 00:32:49,480
Speaker 1: your name, especially if you're gonna want a job one day.

633
00:32:49,880 --> 00:32:52,040
Speaker 1: So you have this group of students out there who

634
00:32:52,160 --> 00:32:56,720
Speaker 1: are ignoring their responsibility. I'm gonna say, they've accepted the

635
00:32:57,120 --> 00:33:01,560
Speaker 1: the financial aid to get a degree. Now they've left

636
00:33:01,600 --> 00:33:04,400
Speaker 1: college and I'm not gonna pay. What do you say

637
00:33:04,480 --> 00:33:09,400
Speaker 1: the individuals that are doing that out there? So that's

638
00:33:09,440 --> 00:33:11,960
Speaker 1: not a good plan. Um, this is the only day

639
00:33:12,160 --> 00:33:14,360
Speaker 1: in the United States of America that you don't have

640
00:33:14,520 --> 00:33:16,520
Speaker 1: to be a part of for them to collect on.

641
00:33:17,360 --> 00:33:19,800
Speaker 1: I know that people are frustrated I know that they

642
00:33:19,840 --> 00:33:22,160
Speaker 1: are mad, but no one's trying to gun to these

643
00:33:22,200 --> 00:33:24,880
Speaker 1: people's head in terms of borrowing. Right, So you knew

644
00:33:25,040 --> 00:33:28,080
Speaker 1: when you were borrowing elected that there's the situation here

645
00:33:28,400 --> 00:33:31,800
Speaker 1: where they may be incapable of being good borrowers and repayment.

646
00:33:32,120 --> 00:33:34,840
Speaker 1: But other than that, you knew about this that, right,

647
00:33:35,480 --> 00:33:38,480
Speaker 1: So shredding up the paper, that's fine because when they

648
00:33:38,600 --> 00:33:41,880
Speaker 1: electronically go into that bank account or to that employer

649
00:33:42,120 --> 00:33:45,200
Speaker 1: that is mandated to get fIF team per cent per check,

650
00:33:45,800 --> 00:33:47,880
Speaker 1: it is not going to be a game anymore. So

651
00:33:48,000 --> 00:33:50,720
Speaker 1: we don't we don't want to institute that plan. So

652
00:33:51,160 --> 00:33:55,680
Speaker 1: uh so that was that was professionally stated, but very

653
00:33:55,760 --> 00:33:59,080
Speaker 1: funny because I thought the same thing. Okay, I got

654
00:33:59,200 --> 00:34:02,240
Speaker 1: a problem with you because guess what, nobody Nobody just

655
00:34:02,280 --> 00:34:06,160
Speaker 1: stopped you. Now you want to stop the system from collecting. Now,

656
00:34:06,240 --> 00:34:08,000
Speaker 1: let's we want to go through some of them, some

657
00:34:08,520 --> 00:34:10,560
Speaker 1: some questions that were presented to me so I can

658
00:34:10,640 --> 00:34:13,479
Speaker 1: make sure I get all the information that and people.

659
00:34:13,800 --> 00:34:15,839
Speaker 1: First of all, how can people contact you. Let's get

660
00:34:15,880 --> 00:34:17,319
Speaker 1: that out the way first, and we're gonna do now

661
00:34:17,400 --> 00:34:20,879
Speaker 1: at the end of the ship. Yeah, the best play

662
00:34:20,960 --> 00:34:23,799
Speaker 1: is doctor, please help me dot com doctor, please help

663
00:34:23,880 --> 00:34:26,440
Speaker 1: me dot com um where they can call us. Uh,

664
00:34:26,760 --> 00:34:28,640
Speaker 1: they can do that as well to six seven three

665
00:34:28,680 --> 00:34:32,839
Speaker 1: eight six one one one six or I always say.

666
00:34:32,880 --> 00:34:36,200
Speaker 1: The fun for us is on social media Instagram, particularly

667
00:34:36,360 --> 00:34:39,719
Speaker 1: at the Student Loan Doctor. We post about all of

668
00:34:39,760 --> 00:34:42,000
Speaker 1: our events, our webinars. We do a lot of free

669
00:34:42,040 --> 00:34:45,400
Speaker 1: community education, so you don't have to ever buy anything

670
00:34:45,480 --> 00:34:47,600
Speaker 1: from us. But we're going to continue every two weeks

671
00:34:47,640 --> 00:34:50,720
Speaker 1: for the new webinar on a different area, different focus.

672
00:34:50,800 --> 00:34:53,520
Speaker 1: About still alone debt. Okay, you know, because some people

673
00:34:53,640 --> 00:34:55,160
Speaker 1: get all the way through med school, we have two

674
00:34:55,239 --> 00:34:59,400
Speaker 1: hundred fifty dollars in debt. So when you get out, okay,

675
00:34:59,480 --> 00:35:02,839
Speaker 1: I can't. I can't cry about that because you knew

676
00:35:02,880 --> 00:35:04,440
Speaker 1: that you went to school that far because you were

677
00:35:04,440 --> 00:35:05,759
Speaker 1: trying to get a job. They're gonna pay you a

678
00:35:05,800 --> 00:35:08,239
Speaker 1: lot of money. And then you now the government saying

679
00:35:09,640 --> 00:35:11,799
Speaker 1: we're gonna know, we want to know about that debt

680
00:35:11,920 --> 00:35:16,320
Speaker 1: before you try to buy a home, correct exactly, So

681
00:35:16,520 --> 00:35:18,600
Speaker 1: they won't even allow you to buy a home. In

682
00:35:18,680 --> 00:35:21,440
Speaker 1: the pre approval process, you're gonna be held up. So

683
00:35:21,480 --> 00:35:24,759
Speaker 1: don't even get your credit check because you just need

684
00:35:24,840 --> 00:35:27,520
Speaker 1: to know going into that's what you're listening today. Put

685
00:35:27,600 --> 00:35:30,880
Speaker 1: your loans and repayments first. And we partner with so

686
00:35:31,040 --> 00:35:33,920
Speaker 1: many potential home buyers because we have different lenders in

687
00:35:34,000 --> 00:35:37,840
Speaker 1: different programs that if you owe over fifty thousand loans,

688
00:35:37,880 --> 00:35:39,600
Speaker 1: you could still get a home, but we've got to

689
00:35:39,640 --> 00:35:41,440
Speaker 1: be savvy about how we have to show up on

690
00:35:41,520 --> 00:35:44,479
Speaker 1: your credit report, and we help. I would say close

691
00:35:44,520 --> 00:35:47,520
Speaker 1: to three hundred potential buyers a month with this process,

692
00:35:47,560 --> 00:35:51,000
Speaker 1: so we're very familiar with it. Three hundred potential buyers

693
00:35:51,040 --> 00:35:56,320
Speaker 1: a month. Yes, this, I'm sure. I'm assuming this is

694
00:35:56,440 --> 00:36:00,880
Speaker 1: country nationwide that you're getting these calls. Oh yeah, exactly

695
00:36:00,920 --> 00:36:03,560
Speaker 1: what we were nationwide was client Jack. I think she

696
00:36:04,040 --> 00:36:06,520
Speaker 1: said that, like us, do you know who you're talking to?

697
00:36:07,560 --> 00:36:09,920
Speaker 1: We're not just statewide to say, we not wrapped into

698
00:36:09,960 --> 00:36:13,600
Speaker 1: a zip code with nationwide. In fact, we worldwide. Sometimes

699
00:36:13,640 --> 00:36:15,919
Speaker 1: when they die alone number we tell no, we don't

700
00:36:15,920 --> 00:36:18,120
Speaker 1: do anything. You know, it's funny if we do have

701
00:36:18,280 --> 00:36:22,640
Speaker 1: worldwide clients. But there us decision. I don't know if

702
00:36:22,640 --> 00:36:25,719
Speaker 1: that there you go, there you go. Let's talk about

703
00:36:25,760 --> 00:36:28,719
Speaker 1: what does consolidation of my loans mean? That was one

704
00:36:28,719 --> 00:36:33,160
Speaker 1: of your questions. Yeah, I think we don't support and

705
00:36:33,200 --> 00:36:35,600
Speaker 1: a lot of people don't understand consolidation, and then they

706
00:36:35,680 --> 00:36:37,480
Speaker 1: get tricked and they think that the loan will go

707
00:36:37,520 --> 00:36:39,560
Speaker 1: away or they paid you off the full. No, no,

708
00:36:39,719 --> 00:36:42,919
Speaker 1: novalidation is just to some photo all your loans into

709
00:36:43,000 --> 00:36:46,440
Speaker 1: one manageable payment with one lender. And in order to

710
00:36:46,520 --> 00:36:49,840
Speaker 1: be eligible for home money and service forgiveness programs, you

711
00:36:49,960 --> 00:36:52,920
Speaker 1: do need to consolidate your loans. It can change the

712
00:36:53,120 --> 00:36:55,400
Speaker 1: terms of your repayments. So it could make your overall

713
00:36:55,520 --> 00:36:58,520
Speaker 1: interest rate high because it's the some average of your

714
00:36:58,600 --> 00:37:01,399
Speaker 1: all of your loans and they're just rate. So that's

715
00:37:01,440 --> 00:37:04,160
Speaker 1: not fun. But a lot of lenders and again those

716
00:37:04,239 --> 00:37:08,040
Speaker 1: public service don't forgive this program um that are real, right,

717
00:37:08,160 --> 00:37:11,520
Speaker 1: they are inconsolidation. Well, you know, I want to tell everybody,

718
00:37:11,640 --> 00:37:13,520
Speaker 1: like early on in my life or you know, I

719
00:37:13,640 --> 00:37:17,320
Speaker 1: had multiple credit lines of credit that will open and

720
00:37:17,440 --> 00:37:19,520
Speaker 1: I consolidated. One of the best moves I did was

721
00:37:19,560 --> 00:37:22,400
Speaker 1: consolidated my loans into a single payment. But you have

722
00:37:22,520 --> 00:37:26,760
Speaker 1: to remember that's a debt, so you don't just suddenly

723
00:37:26,760 --> 00:37:28,920
Speaker 1: go out there those charges, those credit cards that you

724
00:37:29,120 --> 00:37:32,160
Speaker 1: cleaned up, don't start using them until that single debt

725
00:37:32,320 --> 00:37:34,719
Speaker 1: is paid up. And that's what people make a lot

726
00:37:34,800 --> 00:37:38,040
Speaker 1: of mistakes. They go, Okay, a single single payment, Yes,

727
00:37:38,560 --> 00:37:41,320
Speaker 1: but that single payment resolved some issues over here that

728
00:37:41,360 --> 00:37:43,759
Speaker 1: you were having because you got out of hand on

729
00:37:43,880 --> 00:37:48,239
Speaker 1: your spending. So pay off that single debt, live on

730
00:37:48,320 --> 00:37:51,680
Speaker 1: the cash lifestyle, and that's that's I think it's important

731
00:37:51,680 --> 00:37:54,320
Speaker 1: that people understand that because I do that problem. I

732
00:37:54,440 --> 00:37:56,479
Speaker 1: do that in my credit cards because if I charge

733
00:37:56,520 --> 00:37:58,640
Speaker 1: something that month, then I'm gonna pay it off at

734
00:37:58,680 --> 00:38:01,000
Speaker 1: the end of the month. I do not overcharge. I

735
00:38:01,080 --> 00:38:03,359
Speaker 1: do not charge anything I can't pay off in thirty days.

736
00:38:03,560 --> 00:38:06,520
Speaker 1: I really don't. If I'm gonna charge it, it's gonna

737
00:38:06,560 --> 00:38:08,840
Speaker 1: be paid off in thirty days. Do not ever charge

738
00:38:08,880 --> 00:38:11,719
Speaker 1: anything that you go, well, I paid off down the line,

739
00:38:11,960 --> 00:38:14,080
Speaker 1: because the interest rates will kill you and you can't

740
00:38:14,120 --> 00:38:17,160
Speaker 1: write it off. You can't write it off. That's my

741
00:38:17,239 --> 00:38:20,919
Speaker 1: little note about consolidate loans, like we won't talk about

742
00:38:20,920 --> 00:38:22,239
Speaker 1: you can you kind of hit on this a little

743
00:38:22,239 --> 00:38:29,319
Speaker 1: bit earlier how to resolve default a wage garnish loans. Yes,

744
00:38:29,520 --> 00:38:32,120
Speaker 1: So this is a big challenge because so many people,

745
00:38:32,239 --> 00:38:34,520
Speaker 1: like the example you gave by like I'm not paying it,

746
00:38:34,680 --> 00:38:36,879
Speaker 1: rip it up right. So that's the group that we'll

747
00:38:36,880 --> 00:38:39,239
Speaker 1: be hearing from in about nine months, two hundred and

748
00:38:39,320 --> 00:38:42,440
Speaker 1: seventy business days. Right, So that's the group who want

749
00:38:42,440 --> 00:38:45,400
Speaker 1: to see you know, they're not having pleasant days at

750
00:38:45,400 --> 00:38:49,040
Speaker 1: work because they're checking sixteen percent smaller each pay period.

751
00:38:49,520 --> 00:38:54,799
Speaker 1: Could could wage garnishment and the fault can be resolved. Right,

752
00:38:55,080 --> 00:38:57,200
Speaker 1: you'd like to do it through consolidation. You might can

753
00:38:57,280 --> 00:39:00,040
Speaker 1: do it through an affordable repayment plan. But when it

754
00:39:00,160 --> 00:39:03,719
Speaker 1: gets to that point, that's when collection agencies take over.

755
00:39:04,320 --> 00:39:06,800
Speaker 1: They take it over and they're not the nicest people.

756
00:39:07,200 --> 00:39:09,719
Speaker 1: So we help people before or even once they're at

757
00:39:09,760 --> 00:39:13,160
Speaker 1: that point because it's stressful. I mean literally, it's their

758
00:39:13,239 --> 00:39:15,400
Speaker 1: job to make you not want to come to an agreement.

759
00:39:15,800 --> 00:39:18,719
Speaker 1: Because if the collection agency can keep the loans that

760
00:39:18,800 --> 00:39:21,440
Speaker 1: they were given to work on behalf of the lender,

761
00:39:21,760 --> 00:39:25,080
Speaker 1: they get to add a six thousand dollar administration feed.

762
00:39:25,640 --> 00:39:28,239
Speaker 1: So if you never own up to this or you

763
00:39:28,320 --> 00:39:31,320
Speaker 1: start paying on it without a correct agreement, you just

764
00:39:31,440 --> 00:39:34,040
Speaker 1: added six thousand dollars to your bill. And a lot

765
00:39:34,080 --> 00:39:35,920
Speaker 1: of people don't know that. It's at the top of

766
00:39:35,960 --> 00:39:38,680
Speaker 1: the letter. But of course people don't read every detail.

767
00:39:39,400 --> 00:39:42,240
Speaker 1: Everybody know about people don't let everybody know what garnish

768
00:39:42,280 --> 00:39:44,600
Speaker 1: in your wages. You know, like you get you you

769
00:39:44,640 --> 00:39:47,920
Speaker 1: get your check, let's say six, and the taxes come out.

770
00:39:48,560 --> 00:39:50,480
Speaker 1: The tax is going to come out, the taxes, the

771
00:39:50,600 --> 00:39:53,719
Speaker 1: taxes come out, and then that mouth is left. That's

772
00:39:53,760 --> 00:39:58,839
Speaker 1: the part that's garnish. You know, they don't. They don't

773
00:39:58,880 --> 00:40:01,799
Speaker 1: garnish the whole of my out before taxes, taxes come out.

774
00:40:02,120 --> 00:40:06,480
Speaker 1: Uncle Sam gets his money. Then whenever you got left, god,

775
00:40:07,120 --> 00:40:09,680
Speaker 1: well you got some some child support payments where you've

776
00:40:09,680 --> 00:40:11,879
Speaker 1: really got problems, then you know, because they're gonna get

777
00:40:11,880 --> 00:40:14,000
Speaker 1: their money, don't care whatever left, They're gonna get their money.

778
00:40:14,560 --> 00:40:17,600
Speaker 1: And then it just keeps getting small and small and smaller. Ms. Lewis,

779
00:40:17,600 --> 00:40:18,879
Speaker 1: I want to thank you for coming on the show

780
00:40:19,000 --> 00:40:21,600
Speaker 1: that you are just you are entertaining. Are you all?

781
00:40:21,840 --> 00:40:23,960
Speaker 1: I know that down here and said you're you're very

782
00:40:24,800 --> 00:40:27,600
Speaker 1: popular expert speaker across the country. You've shown it on

783
00:40:27,719 --> 00:40:30,600
Speaker 1: this show. And can you tell everybody the phone number

784
00:40:30,640 --> 00:40:32,840
Speaker 1: again as well as the website so they could be

785
00:40:32,920 --> 00:40:36,000
Speaker 1: one of those three hundred callers that they call. They

786
00:40:36,080 --> 00:40:37,800
Speaker 1: call you that number and they want to get support

787
00:40:37,840 --> 00:40:40,600
Speaker 1: and help and maybe one of those international callers who

788
00:40:40,680 --> 00:40:43,840
Speaker 1: got property stay side. Yes, So we're open today on

789
00:40:43,920 --> 00:40:47,160
Speaker 1: the nine pm Eastern uh to six seven three six

790
00:40:47,680 --> 00:40:50,640
Speaker 1: one one one six and then our website is doctor

791
00:40:50,880 --> 00:40:53,799
Speaker 1: Please Help Me dot com and on Instagram you can

792
00:40:53,880 --> 00:40:57,879
Speaker 1: follow my page at the Student Loans Doctor. So thank

793
00:40:57,920 --> 00:40:59,840
Speaker 1: you so much for having us and I really appreciate

794
00:40:59,880 --> 00:41:03,399
Speaker 1: your time today and making awareness to this issue. You're

795
00:41:03,440 --> 00:41:05,960
Speaker 1: you're fantastic and we'll have you back. Thank you for

796
00:41:06,040 --> 00:41:08,000
Speaker 1: coming on the show. This for Sean McDonald. You're listening

797
00:41:08,040 --> 00:41:11,840
Speaker 1: to money making conversations. We were having coffee and I

798
00:41:11,840 --> 00:41:14,359
Speaker 1: asked Jen where we should go on vacation, and I said,

799
00:41:14,600 --> 00:41:17,680
Speaker 1: with our bills, I don't see a vacation happening. Yeah,

800
00:41:17,960 --> 00:41:20,680
Speaker 1: between our credit cards, a washer and stove we bought

801
00:41:20,719 --> 00:41:24,839
Speaker 1: on credit, and that unexpected car repair, Yeah, that wasn't

802
00:41:24,840 --> 00:41:27,480
Speaker 1: in the budget. Anyway, we agreed to take the week

803
00:41:27,560 --> 00:41:30,120
Speaker 1: to research choices for a fixed rate personal loan that

804
00:41:30,160 --> 00:41:32,640
Speaker 1: would let us consolidate all our bills into one low

805
00:41:32,719 --> 00:41:36,120
Speaker 1: monthly payment and maybe have some left over for vacation.

806
00:41:36,320 --> 00:41:39,399
Speaker 1: And the crazy thing is we both chose best egg

807
00:41:39,480 --> 00:41:42,640
Speaker 1: dot com right Best Day got five stars on Consumer

808
00:41:42,640 --> 00:41:45,280
Speaker 1: Affairs for their easy online loan app that takes about

809
00:41:45,280 --> 00:41:47,840
Speaker 1: a minute and doesn't impact your credit score. Yeah, and

810
00:41:48,000 --> 00:41:50,560
Speaker 1: we got approved in one business day. We're an amazing

811
00:41:50,680 --> 00:41:53,800
Speaker 1: personal loan. We paid off all our cards and bills

812
00:41:53,920 --> 00:41:56,640
Speaker 1: and still lowered our monthly payment. Yeah and now we

813
00:41:56,719 --> 00:41:59,239
Speaker 1: saved enough to take a little vacation. Yeah. Get your

814
00:41:59,280 --> 00:42:03,000
Speaker 1: bills under control and your finances back on track at

815
00:42:03,080 --> 00:42:06,839
Speaker 1: best egg dot com, slash Life, best egg dot com

816
00:42:07,040 --> 00:42:10,280
Speaker 1: slash Life subject to credit approval actual RATESPIS and approval

817
00:42:10,320 --> 00:42:12,759
Speaker 1: times very Facebook and everything in life is really good.

818
00:42:13,000 --> 00:42:14,239
Speaker 1: I'm good. You can hear me now? All right? This

819
00:42:14,360 --> 00:42:16,440
Speaker 1: was Sean McDonald live. Of course you can hear I

820
00:42:16,440 --> 00:42:20,200
Speaker 1: can hear myself. Can you hear me? She's my guests.

821
00:42:20,200 --> 00:42:22,359
Speaker 1: I can't give her my name because she's my guess.

822
00:42:22,400 --> 00:42:26,279
Speaker 1: He's an untitled person, but she has a robust personality.

823
00:42:26,640 --> 00:42:29,480
Speaker 1: Each money making man, each money making conversation, radio talk

824
00:42:29,520 --> 00:42:33,160
Speaker 1: shows about entrepreneurship and entertainment. I provide the consumer and

825
00:42:33,320 --> 00:42:38,640
Speaker 1: business owner access to celebrities, CEOs, entrepreneurs and industry decision makers.

826
00:42:38,640 --> 00:42:40,840
Speaker 1: I have an industry decision makers sitting right next to me.

827
00:42:41,440 --> 00:42:43,719
Speaker 1: Then turn deliver information, which she will do on my

828
00:42:43,800 --> 00:42:47,080
Speaker 1: show about career planning motivation. Also just tell you how

829
00:42:47,120 --> 00:42:48,959
Speaker 1: the hell your money too, because she was She's gonna

830
00:42:49,080 --> 00:42:51,200
Speaker 1: talk as an area that a lot of people don't understand,

831
00:42:51,239 --> 00:42:55,879
Speaker 1: how how how intertwines and how to lead the balance life.

832
00:42:55,960 --> 00:42:59,160
Speaker 1: She just came off vacation, so she understands about See,

833
00:42:59,200 --> 00:43:01,720
Speaker 1: I didn't six teen years I was managing Steve RP.

834
00:43:02,080 --> 00:43:04,080
Speaker 1: I was just out there grinding, and my wife was

835
00:43:04,120 --> 00:43:06,840
Speaker 1: always complained. But the checks were good, so the complaints

836
00:43:06,880 --> 00:43:12,520
Speaker 1: were low. And so so she's coming back. She's neatly tanned.

837
00:43:12,520 --> 00:43:14,719
Speaker 1: I've been teasing about how she's peeling on her on

838
00:43:14,840 --> 00:43:20,960
Speaker 1: the tips of her you know, she looks fantastic, but

839
00:43:21,280 --> 00:43:26,560
Speaker 1: she is feeling. My next guest received her undergraduate degree

840
00:43:26,640 --> 00:43:30,600
Speaker 1: from the University of Georgia Dog, her Masters and Business

841
00:43:30,640 --> 00:43:34,800
Speaker 1: administration from Clark Atlantic University, and her PhD in Adult

842
00:43:34,920 --> 00:43:38,080
Speaker 1: education from the University of Georgia Good Dog. She is

843
00:43:38,120 --> 00:43:41,320
Speaker 1: the senior vice president inhead of h R for the

844
00:43:41,400 --> 00:43:44,480
Speaker 1: Atlanta Brace, which she supports the Major League team. Is

845
00:43:44,560 --> 00:43:49,680
Speaker 1: my link the system, Okay, battery battery park development in

846
00:43:49,760 --> 00:43:53,120
Speaker 1: all areas of people capital initiatives. Please welcome to my

847
00:43:53,320 --> 00:43:55,799
Speaker 1: making conversation for the very first time, my first human

848
00:43:55,920 --> 00:44:02,279
Speaker 1: resources resources expert doctor doctor. I put doctor in there

849
00:44:02,600 --> 00:44:07,840
Speaker 1: because yes, the reader cold rolls it. It didn't have

850
00:44:07,960 --> 00:44:10,680
Speaker 1: doctor nowhere. I went PhD. She's a doctor. Let me

851
00:44:10,960 --> 00:44:13,600
Speaker 1: let me give you respect, because that's that's a leaner.

852
00:44:13,600 --> 00:44:16,000
Speaker 1: I stopped at the bachelor. I stopped right there, a

853
00:44:16,080 --> 00:44:19,880
Speaker 1: bachelor math. My size of mathematics, Rochelle was done right.

854
00:44:19,960 --> 00:44:23,120
Speaker 1: When you go out NBA and pH d, how do

855
00:44:23,239 --> 00:44:25,759
Speaker 1: you do that? How? What? What motivation leads you to

856
00:44:25,880 --> 00:44:28,240
Speaker 1: that next level of education. So that's a great question,

857
00:44:28,360 --> 00:44:30,439
Speaker 1: and I have people say this to me all the time.

858
00:44:30,600 --> 00:44:32,560
Speaker 1: I did not go back to get my doctor to

859
00:44:32,600 --> 00:44:37,239
Speaker 1: be called doctor Rhodes. I went back to give me credibility.

860
00:44:37,520 --> 00:44:39,239
Speaker 1: So when I was able to walk into a room

861
00:44:39,280 --> 00:44:41,920
Speaker 1: and have a conversation, or walk into a room and

862
00:44:41,960 --> 00:44:44,479
Speaker 1: have a seat at the table, that helped that. Because

863
00:44:44,520 --> 00:44:46,440
Speaker 1: the one thing people can't take away from you are

864
00:44:46,480 --> 00:44:49,160
Speaker 1: two things. They can't take away your experience and they

865
00:44:49,200 --> 00:44:51,040
Speaker 1: can't take away your education. I agree with that. I

866
00:44:51,040 --> 00:44:54,040
Speaker 1: always tell people, you can't repoll your degree. You cannot

867
00:44:54,120 --> 00:44:56,680
Speaker 1: say page I'm getting long with her already. See, I

868
00:44:56,760 --> 00:45:00,640
Speaker 1: can't teach good. It is my quote. You get that

869
00:45:00,760 --> 00:45:03,319
Speaker 1: degree because they can't report once it goes on that wall.

870
00:45:03,360 --> 00:45:07,080
Speaker 1: That's yours exactly. And so so education is important for you,

871
00:45:07,520 --> 00:45:10,200
Speaker 1: I'm sure for your family. Talk about how you have

872
00:45:10,400 --> 00:45:12,400
Speaker 1: you have sons, I do, I can talk about how

873
00:45:12,520 --> 00:45:15,879
Speaker 1: that your educational influence has shaped their lives. Oh, that's

874
00:45:15,880 --> 00:45:17,480
Speaker 1: a great question. And you know, I have to tell

875
00:45:17,560 --> 00:45:20,320
Speaker 1: the story about the fact that my grandmother and my

876
00:45:20,440 --> 00:45:22,880
Speaker 1: great aunt had their degree. So growing up as a

877
00:45:22,920 --> 00:45:26,320
Speaker 1: little girl, my grandparents, my grandmother had a degree, and

878
00:45:26,560 --> 00:45:29,040
Speaker 1: they were from Arkansas and a small town in Arkansas.

879
00:45:29,400 --> 00:45:32,480
Speaker 1: But my parents have their masters. My dad is everything,

880
00:45:32,600 --> 00:45:36,160
Speaker 1: but he's a b d. Everything but a dissertation. And

881
00:45:36,320 --> 00:45:38,400
Speaker 1: so it was instilled in us. And by the way,

882
00:45:38,440 --> 00:45:40,600
Speaker 1: they were all educators, so it was instilled in us

883
00:45:40,680 --> 00:45:42,640
Speaker 1: that education was something you had to do in order

884
00:45:42,719 --> 00:45:46,040
Speaker 1: for you to advance, in order for you to take

885
00:45:46,080 --> 00:45:48,400
Speaker 1: care of your family. And so interestingly enough to me,

886
00:45:49,400 --> 00:45:51,920
Speaker 1: the challenge and not the challenge, I think my sons

887
00:45:51,960 --> 00:45:55,240
Speaker 1: had the opportunity to see me through my educational pursuit.

888
00:45:55,400 --> 00:45:59,799
Speaker 1: The great thing for me is that they actually saw

889
00:46:00,000 --> 00:46:03,399
Speaker 1: to get my doctorate, and so out of everything else

890
00:46:03,480 --> 00:46:05,799
Speaker 1: had happened. I think that that helped them at least

891
00:46:05,880 --> 00:46:07,520
Speaker 1: to view it and see it. We can talk about

892
00:46:07,520 --> 00:46:11,479
Speaker 1: it all the time, but to really instill something and someone,

893
00:46:11,560 --> 00:46:13,839
Speaker 1: they need to experience it. We know. It's always great

894
00:46:13,880 --> 00:46:15,839
Speaker 1: to hear that because I always tell people about young

895
00:46:15,920 --> 00:46:19,880
Speaker 1: people and people as they grow. It's amazing what what

896
00:46:20,040 --> 00:46:23,960
Speaker 1: young minds will will will will register. That's why are

897
00:46:24,000 --> 00:46:29,160
Speaker 1: always sensitive to abuse relationships, because these these young people

898
00:46:29,200 --> 00:46:31,400
Speaker 1: are seeing things that you might say at one or

899
00:46:31,440 --> 00:46:34,400
Speaker 1: two years old, it's not it's registered. It is registering

900
00:46:34,440 --> 00:46:37,080
Speaker 1: for real. And so as they go, oh that it can.

901
00:46:37,239 --> 00:46:40,239
Speaker 1: It can create an insecure kid, a confident kid, a

902
00:46:40,400 --> 00:46:42,879
Speaker 1: kid all these different ways that you that you march

903
00:46:43,000 --> 00:46:46,000
Speaker 1: and say, your your your children, your son saw you.

904
00:46:46,440 --> 00:46:49,000
Speaker 1: That was a process was defining to them, that was

905
00:46:49,040 --> 00:46:52,480
Speaker 1: an effort process, and that allows them when you say

906
00:46:52,560 --> 00:46:55,759
Speaker 1: you can do it, they go, okay, mom did, and

907
00:46:55,880 --> 00:46:58,040
Speaker 1: that's really important. And I wanted to get that out

908
00:46:58,360 --> 00:47:00,680
Speaker 1: because I was important as we talked about what you

909
00:47:00,719 --> 00:47:04,120
Speaker 1: are achieving as a as a professional, So talk about

910
00:47:04,160 --> 00:47:06,960
Speaker 1: your position at their Lanta break sure and I absolutely

911
00:47:06,960 --> 00:47:09,400
Speaker 1: love it. It's so funny. I've been doing human resources.

912
00:47:09,440 --> 00:47:11,000
Speaker 1: I hate to say it over twenty years, and I've

913
00:47:11,040 --> 00:47:14,200
Speaker 1: had before we get started, what exactly as human resources exactly?

914
00:47:14,360 --> 00:47:16,880
Speaker 1: That's a great question. So I have this conversation all

915
00:47:16,920 --> 00:47:20,880
Speaker 1: the time, but I always view as a human resources professional,

916
00:47:21,000 --> 00:47:26,560
Speaker 1: your goal is to ensure the engagement and the enhancement

917
00:47:27,200 --> 00:47:31,040
Speaker 1: of staff. And so the reality is that although we

918
00:47:31,160 --> 00:47:35,000
Speaker 1: call it human resources, I always state that it's people capital.

919
00:47:35,440 --> 00:47:39,680
Speaker 1: So when you think about the the balance sheet of

920
00:47:39,719 --> 00:47:43,360
Speaker 1: any organization, the highest cost is your staff, absolutely, and

921
00:47:43,520 --> 00:47:45,719
Speaker 1: so when you start thinking of it that way and

922
00:47:45,880 --> 00:47:49,400
Speaker 1: understanding engagement as critical motivation is critical for you to

923
00:47:49,480 --> 00:47:52,719
Speaker 1: get the best out of staff in yourself, that's what

924
00:47:52,840 --> 00:47:55,120
Speaker 1: we do. Now. There are other components, of course that

925
00:47:55,200 --> 00:47:56,600
Speaker 1: goes into that. So I just gave you a really

926
00:47:56,680 --> 00:47:59,759
Speaker 1: broad view of is and it all comes down to

927
00:48:00,800 --> 00:48:04,160
Speaker 1: talent acquisition, making sure that you bring in the right

928
00:48:04,239 --> 00:48:07,439
Speaker 1: talent for the right roles, making sure once they're there.

929
00:48:07,640 --> 00:48:10,000
Speaker 1: That's the talent management part of that, where you are

930
00:48:10,120 --> 00:48:15,880
Speaker 1: really enhancing their experience. You are promoting them through the organization,

931
00:48:16,040 --> 00:48:19,480
Speaker 1: You're teaching them, They're going through learning and development so

932
00:48:19,600 --> 00:48:23,200
Speaker 1: that they cannot only grow themselves personally, professionally, but also

933
00:48:23,280 --> 00:48:26,640
Speaker 1: for the organization and so that that component is very

934
00:48:26,719 --> 00:48:28,880
Speaker 1: critical too, and then all the other aspects that are

935
00:48:28,920 --> 00:48:31,600
Speaker 1: so important for people. So when you think about what's

936
00:48:31,640 --> 00:48:36,600
Speaker 1: happening in the world of benefits, in the world of

937
00:48:37,880 --> 00:48:41,160
Speaker 1: money matters for a one K pension, things of that nature,

938
00:48:41,280 --> 00:48:43,800
Speaker 1: that's part of what we do to we create tools

939
00:48:44,480 --> 00:48:46,680
Speaker 1: and we create systems for people to be able to

940
00:48:46,800 --> 00:48:50,040
Speaker 1: thrive in an organization as opposed to just survive. Let's

941
00:48:50,040 --> 00:48:52,640
Speaker 1: talk about this for a minute. I'll talk about the

942
00:48:52,760 --> 00:48:57,520
Speaker 1: whole process of educating an employee. Yeah, yeah, I'm an employer.

943
00:48:57,840 --> 00:49:01,640
Speaker 1: I'm an employee. I have a certain desire expectation that

944
00:49:01,640 --> 00:49:04,800
Speaker 1: I should say, and so how do I, Okay, I

945
00:49:04,920 --> 00:49:11,160
Speaker 1: hire somebody, Um, how do you enhance their value? Because

946
00:49:11,200 --> 00:49:13,279
Speaker 1: that's the whole purpose of you hire somebody, not to

947
00:49:13,600 --> 00:49:16,160
Speaker 1: be the person that you hire, but to increase value

948
00:49:16,200 --> 00:49:18,719
Speaker 1: so they can be an asset for you accomplish your

949
00:49:19,080 --> 00:49:21,200
Speaker 1: And a lot of times what you think about you're

950
00:49:21,239 --> 00:49:26,600
Speaker 1: doing is that you are hiring people for their potential.

951
00:49:27,719 --> 00:49:30,440
Speaker 1: So when you think about hiring people for their potential,

952
00:49:31,000 --> 00:49:32,800
Speaker 1: you're looking at a piece of paper and you're discerning

953
00:49:32,960 --> 00:49:37,880
Speaker 1: discerning their resume. But beyond that, it is first teaching

954
00:49:37,920 --> 00:49:40,399
Speaker 1: them about the organization, have them go through the level

955
00:49:40,480 --> 00:49:43,000
Speaker 1: of new higher orientation. It gives them an understanding of

956
00:49:43,080 --> 00:49:46,480
Speaker 1: a culture. And then from there in their specific role,

957
00:49:47,160 --> 00:49:50,960
Speaker 1: you're either growing them, enhancing them, are you're building them.

958
00:49:51,400 --> 00:49:53,359
Speaker 1: And so there's a whole lot of ways you need

959
00:49:53,400 --> 00:49:55,640
Speaker 1: to think about it. And so when I think about

960
00:49:56,800 --> 00:50:01,920
Speaker 1: strategy around learning and development and taking an individual understanding

961
00:50:01,960 --> 00:50:05,600
Speaker 1: what their raw skills right and then putting them and

962
00:50:05,760 --> 00:50:08,879
Speaker 1: putting them in situations where they get you can get

963
00:50:08,920 --> 00:50:12,000
Speaker 1: classroom learning, but for me, experiential learning is just as

964
00:50:12,040 --> 00:50:16,480
Speaker 1: critical because going through an experience allows you to understand it. Now,

965
00:50:16,560 --> 00:50:19,680
Speaker 1: it's really interesting when I watch your education because you know,

966
00:50:20,120 --> 00:50:25,080
Speaker 1: Georgia than HBCU than Georgia. Let's let's talk about that journey,

967
00:50:25,440 --> 00:50:28,200
Speaker 1: because I feel that it's important we talk about that

968
00:50:28,360 --> 00:50:35,080
Speaker 1: because HBCUs don't get the credit oftentimes as an education opportunity,

969
00:50:35,160 --> 00:50:38,640
Speaker 1: of valid education opportunities. You know, a lot of you know,

970
00:50:38,760 --> 00:50:41,480
Speaker 1: Howard is like our Harvard that you know, everybody talks

971
00:50:41,520 --> 00:50:44,520
Speaker 1: about Howard, but it's a spellment also talks about spell.

972
00:50:44,560 --> 00:50:46,640
Speaker 1: But those those who two to really get that, uh,

973
00:50:47,320 --> 00:50:50,040
Speaker 1: those to you your home running have a great alumni

974
00:50:50,320 --> 00:50:55,319
Speaker 1: UH partnership. They passed up students. So talk about your

975
00:50:55,360 --> 00:50:59,879
Speaker 1: experience of Georgia HBCU Georgia. I love tell a story

976
00:51:00,120 --> 00:51:05,680
Speaker 1: because my parents both graduated from UM Arkansas, the Universe

977
00:51:05,719 --> 00:51:07,719
Speaker 1: of Arkansas and pan BLA. So they both went to

978
00:51:07,880 --> 00:51:11,239
Speaker 1: U A p B. And when I was getting ready

979
00:51:11,320 --> 00:51:13,640
Speaker 1: to go to college, they were like, you need you

980
00:51:13,640 --> 00:51:15,120
Speaker 1: can get into U A p B. And I was like, no,

981
00:51:15,239 --> 00:51:16,799
Speaker 1: I am running as far as I can from an

982
00:51:16,880 --> 00:51:19,279
Speaker 1: h B c U. I'm not doing that. So I

983
00:51:19,640 --> 00:51:22,279
Speaker 1: did my undergraduate experience at the University of Georgia. Very

984
00:51:22,400 --> 00:51:24,680
Speaker 1: rich experience, very amazing experience. But there was one thing

985
00:51:24,719 --> 00:51:27,920
Speaker 1: I was missing. It was the community that I know

986
00:51:28,160 --> 00:51:32,480
Speaker 1: my parents had. Yeah, that I and my grandmother they

987
00:51:32,560 --> 00:51:34,160
Speaker 1: were telling because my grandmother went to U A p

988
00:51:34,280 --> 00:51:36,640
Speaker 1: B two But all right, and I was like, oh,

989
00:51:36,800 --> 00:51:39,920
Speaker 1: I know this, I'm going to Georgia. The moment that

990
00:51:40,080 --> 00:51:42,080
Speaker 1: I had the opportunity and knew that I was going

991
00:51:42,120 --> 00:51:44,120
Speaker 1: to go back and get my m B A, I

992
00:51:44,200 --> 00:51:46,920
Speaker 1: knew I was going to an HBCU and so the

993
00:51:47,080 --> 00:51:50,960
Speaker 1: experience that I got from and again not taking anyway

994
00:51:51,160 --> 00:51:54,560
Speaker 1: from a majority school, the experience I got at U

995
00:51:54,640 --> 00:51:57,600
Speaker 1: A p B was absolutely amazing. Those people that I

996
00:51:57,680 --> 00:52:00,640
Speaker 1: graduated with, it was sixty two of us. All of

997
00:52:00,719 --> 00:52:03,120
Speaker 1: them were in my wedding. Two of them for them

998
00:52:03,160 --> 00:52:06,360
Speaker 1: are very close friends of mine. We have forged relationships.

999
00:52:06,360 --> 00:52:07,600
Speaker 1: And the other thing that I would say to you,

1000
00:52:08,520 --> 00:52:11,920
Speaker 1: my whole thought process around perseverance came from going to

1001
00:52:12,000 --> 00:52:15,279
Speaker 1: A two an HBCU and just the community that I

1002
00:52:15,400 --> 00:52:18,239
Speaker 1: built there. I can talk about Dr Kimbro, I can

1003
00:52:18,320 --> 00:52:21,200
Speaker 1: talk about Dr Davis like I can call these gentlemen

1004
00:52:21,239 --> 00:52:23,040
Speaker 1: still up to this day. And when I got ready

1005
00:52:23,120 --> 00:52:25,920
Speaker 1: to go back to get my doctorate, I did and

1006
00:52:26,080 --> 00:52:29,600
Speaker 1: they gave me a recommendation without a question, which is

1007
00:52:29,640 --> 00:52:32,080
Speaker 1: about relationship. That is exactly right. But a lot of

1008
00:52:32,120 --> 00:52:35,560
Speaker 1: people don't understand of value because I always tell people

1009
00:52:35,560 --> 00:52:38,560
Speaker 1: you can't stand by yourself and you can't climb by yourself.

1010
00:52:38,960 --> 00:52:41,680
Speaker 1: Relationship help you each step of the way, and when

1011
00:52:41,719 --> 00:52:43,879
Speaker 1: you fall back, they can be there with open arms

1012
00:52:44,320 --> 00:52:48,120
Speaker 1: to support you your your sudden come to motivate you

1013
00:52:48,200 --> 00:52:51,400
Speaker 1: to get back up. So, with that being said, what

1014
00:52:51,520 --> 00:52:53,279
Speaker 1: do you do on a daily basis? Got like a

1015
00:52:53,360 --> 00:52:55,920
Speaker 1: minute and a half left. We've been talking up a storm.

1016
00:52:56,440 --> 00:52:58,799
Speaker 1: What do you do over there with the Atlanta Braves.

1017
00:52:58,920 --> 00:53:01,280
Speaker 1: I've rattled off a lot of a lot of affiliate

1018
00:53:01,360 --> 00:53:04,200
Speaker 1: relationships over there. What do you do but day in

1019
00:53:04,280 --> 00:53:08,640
Speaker 1: the life of doctor, So it changes every day, because

1020
00:53:09,040 --> 00:53:11,880
Speaker 1: I will tell you, dealing with the human element changes

1021
00:53:11,960 --> 00:53:14,759
Speaker 1: every single time. And so the one thing that I

1022
00:53:14,880 --> 00:53:17,280
Speaker 1: have the opportunity to do is because it's an amazing brand.

1023
00:53:18,080 --> 00:53:20,719
Speaker 1: And the fact is is that my I feel like

1024
00:53:20,840 --> 00:53:23,480
Speaker 1: my role is just to enhance what was already there,

1025
00:53:23,920 --> 00:53:26,000
Speaker 1: and so that's what I think about doing every single day.

1026
00:53:26,080 --> 00:53:29,120
Speaker 1: What can we do more to teach and and to

1027
00:53:29,480 --> 00:53:32,080
Speaker 1: train and develop our staff? Well, you know the thing

1028
00:53:32,120 --> 00:53:34,800
Speaker 1: about it, I will tell you, and this is anybody

1029
00:53:34,840 --> 00:53:39,520
Speaker 1: who's uh, who's employee, anybody who's looking to open a

1030
00:53:39,560 --> 00:53:43,239
Speaker 1: small business, HR has to be the front of your conversation,

1031
00:53:43,360 --> 00:53:45,360
Speaker 1: has to be at the front of your conversation. Right

1032
00:53:45,400 --> 00:53:48,919
Speaker 1: after finances. HR better be right there because that will

1033
00:53:49,160 --> 00:53:52,759
Speaker 1: because you have to look at employees as capital. And

1034
00:53:52,800 --> 00:53:55,960
Speaker 1: if you don't look at them as money making capital,

1035
00:53:56,280 --> 00:53:58,879
Speaker 1: then guess what you already failed. And what you're trying

1036
00:53:58,880 --> 00:54:00,680
Speaker 1: to do is project success to your story. And you

1037
00:54:00,800 --> 00:54:03,520
Speaker 1: have to treat them like we would treat families. They

1038
00:54:03,600 --> 00:54:06,399
Speaker 1: have issues, you have issues. Learned to merge the two

1039
00:54:06,480 --> 00:54:09,080
Speaker 1: so you can have a positive relationship. That was pretty good.

1040
00:54:09,239 --> 00:54:14,239
Speaker 1: I'm good you didn't need me to come in. You

1041
00:54:14,400 --> 00:54:16,440
Speaker 1: coming back to lots talking about it. That got t

1042
00:54:16,520 --> 00:54:19,279
Speaker 1: second left the countdown. Thank you for coming on my show.

1043
00:54:19,760 --> 00:54:22,400
Speaker 1: You're amazing because we got okay, we got the anniversary

1044
00:54:22,440 --> 00:54:24,239
Speaker 1: coming up in January. We're gonna have you back before.

1045
00:54:25,040 --> 00:54:27,840
Speaker 1: Thank you, Thank you. We were having coffee and I

1046
00:54:27,840 --> 00:54:30,359
Speaker 1: asked Jen where we should go on vacation, and I said,

1047
00:54:30,600 --> 00:54:33,680
Speaker 1: with our bills, I don't see a vacation happening. Yeah,

1048
00:54:33,960 --> 00:54:36,680
Speaker 1: between our credit cards, a washer and stove we bought

1049
00:54:36,719 --> 00:54:40,839
Speaker 1: on credit, and that unexpected car repair, Yeah, that wasn't

1050
00:54:40,840 --> 00:54:43,480
Speaker 1: in the budget anyway, we agreed to take the week

1051
00:54:43,560 --> 00:54:46,120
Speaker 1: to research choices for a fixed rate personal loan that

1052
00:54:46,160 --> 00:54:48,640
Speaker 1: would let us consolidate all our bills into one low

1053
00:54:48,719 --> 00:54:52,120
Speaker 1: monthly payment and maybe have some left over for vacation.

1054
00:54:52,320 --> 00:54:55,319
Speaker 1: And the crazy thing is we both chose best egg

1055
00:54:55,480 --> 00:54:58,600
Speaker 1: dot com right Best. They got five stars on Consumer

1056
00:54:58,640 --> 00:55:00,960
Speaker 1: Affairs for their easy online and loan app that takes

1057
00:55:01,000 --> 00:55:03,680
Speaker 1: about a minute and doesn't impact your credit score. Yeah,

1058
00:55:03,800 --> 00:55:06,120
Speaker 1: and we got approved in one business day. We're an

1059
00:55:06,120 --> 00:55:09,239
Speaker 1: amazing personal loan. We paid off all our cards and

1060
00:55:09,480 --> 00:55:12,520
Speaker 1: bills and still lowered our monthly payment. Yeah, and now

1061
00:55:12,600 --> 00:55:14,640
Speaker 1: we save it enough to take a little vacation. Yeah.

1062
00:55:14,840 --> 00:55:18,080
Speaker 1: Get your bills under control and your finances back on

1063
00:55:18,239 --> 00:55:22,240
Speaker 1: track at best egg dot com, slash Life best egg

1064
00:55:22,360 --> 00:55:25,680
Speaker 1: dot com slash Life subject to credit approval, actual rates,

1065
00:55:25,719 --> 00:55:27,719
Speaker 1: visa approval times Verry. Let me tell you about the

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Speaker 1: host of money Making Conversations, Rashaan McDonald. He's a social

1067
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Speaker 1: media influencer. Of his seven hundred thousand plus social media

1068
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Speaker 1: followers a female, he's a two time Emmy Award winner,

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Speaker 1: three time n double a CP Image Award winner, sitcom writer,

1070
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Speaker 1: stand Up comic, former IBM executive, and has a degree

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Speaker 1: in mathematics. More importantly, Rashan McDonald will use his business

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Speaker 1: and celebrity relationships to empower small businesses with information to succeed.