WEBVTT - You Have a Fraud Alert

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<v Speaker 1>What's up. Family, it's your girl to meet A D.

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<v Speaker 1>Mallory and it's your boy my son in general, and

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<v Speaker 1>we are your hosts of street politicians, the place in

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<v Speaker 1>politics meet. What's going on? Happy New Year, my son,

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<v Speaker 1>Happy New Year is upon us. I'm feeling great. I've

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<v Speaker 1>already spoke this best number one podcast into existence. We're

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<v Speaker 1>gonna have so much money. We're gonna have so much wealth.

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<v Speaker 1>We're gonna have so much success, so much justice. We're

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<v Speaker 1>gonna get justice. We're gonna get everything we're looking for.

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<v Speaker 1>You know, we ended last year with significant um a

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<v Speaker 1>criminal justice wins right that that's not wins for our community. Know,

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<v Speaker 1>you gotta because the trolls can't wait. What wins. Wins

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<v Speaker 1>means they stop killing us. That's what we're fighting for.

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<v Speaker 1>We ultimately want um not to be killed. But when

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<v Speaker 1>we think about the steps that it will take to

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<v Speaker 1>get us to a place where people know, if I

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<v Speaker 1>shoot harm, violate the civil rights, the human rights of

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<v Speaker 1>a black, brown or any other person, I'm going to

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<v Speaker 1>have to face the system. And it's possible that a

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<v Speaker 1>jury and particularly juries with white women. We gotta, we've

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<v Speaker 1>gotta talk about it because the last few juries have

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<v Speaker 1>been full of white women that not all white women,

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<v Speaker 1>but many white women have been dominating these juries. Have

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<v Speaker 1>been finding police officers and other vigilantes, um responsible criminals,

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<v Speaker 1>responsible for the murder and the trauma and the violations

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<v Speaker 1>that they've caused on young black men and black men

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<v Speaker 1>in general. And I think that, um, you know, that's

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<v Speaker 1>a good sign for how we enter two. That we

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<v Speaker 1>continue to fight in the courts, but even outside of

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<v Speaker 1>the courts, there's a cultural fight that's ahead of us,

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<v Speaker 1>and I think we have a responsibility to stay on

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<v Speaker 1>the ground. In every one of the cases that we

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<v Speaker 1>have one, so to speak, there were movements that existed

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<v Speaker 1>on the ground. There were people involved, there were protests,

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<v Speaker 1>there was awareness, there was communities speaking out parents that

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<v Speaker 1>work very closely with some of our stellar civil rights

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<v Speaker 1>attorneys so that they could go and and help to

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<v Speaker 1>inform um the district attorneys, right, because you know, it's

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<v Speaker 1>always important for us to make that separation. The district

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<v Speaker 1>attorneys have been fighting the cases, but they do at

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<v Speaker 1>times listen to the feedback of the family's civil attorneys

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<v Speaker 1>who are who are giving them strategy. These things are happening,

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<v Speaker 1>and I think that to your point, We're gonna work

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<v Speaker 1>this year to ensure that we continue to get justice

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<v Speaker 1>in those places, while it's a small form of justice,

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<v Speaker 1>but that we also set the precedent, set the tone

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<v Speaker 1>across this country that if you kill, you harm, you brutalize, um,

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<v Speaker 1>you violate our rights, that you will be found guilty

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<v Speaker 1>of a crime and have to face actual jail time

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<v Speaker 1>for for you know, for your actions. You know it's right.

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<v Speaker 1>You know, that's that's the always the goal. Like you said,

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<v Speaker 1>it's not justice and totality, you know, but there is

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<v Speaker 1>periods and there are pieces of justice that we need

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<v Speaker 1>to add to the puzzle, you know, And a a lot

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<v Speaker 1>of people want to discredit the work that's being done

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<v Speaker 1>because they don't understand the full process, or because they

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<v Speaker 1>just want to have something to say. But you know,

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<v Speaker 1>being on the front lines in this movement and actually

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<v Speaker 1>seeing what it takes to get even though small pieces

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<v Speaker 1>of justice, man, and just understanding what it's gonna take

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<v Speaker 1>for us to act actually get the level of justice

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<v Speaker 1>and equity that we deserve and you know, are entitled

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<v Speaker 1>to in this country. We understand the work, the work

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<v Speaker 1>that we're gonna need to do. We're not even gonna

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<v Speaker 1>see it in a lifetime, but we're just gonna contribute

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<v Speaker 1>to it and continue to fight. Man. So I want

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<v Speaker 1>to say thank you to everybody who has been a

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<v Speaker 1>part of it, those small grassroots organizations, those who made

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<v Speaker 1>phone calls, those who donated to organizations, those who sat

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<v Speaker 1>in front of these courthouses, those who family members who

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<v Speaker 1>despite all the trauma and pain they went through, they

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<v Speaker 1>got up every day and they fought on behalf of

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<v Speaker 1>their family members. And they still fight and he's still crying.

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<v Speaker 1>They still deal with the trauma even after the cases

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<v Speaker 1>are gone, after the cameras have disappeared, after everyone is

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<v Speaker 1>going off, after the verdict has been delivered. Even though

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<v Speaker 1>there's been guilty verdicts, there have been people who have

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<v Speaker 1>lost loved ones. So you just want to say thank

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<v Speaker 1>you for all of the pain that you've endured so

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<v Speaker 1>that justice can be served, even the smallest, smallest minute way.

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<v Speaker 1>And you know that we will continue to do out.

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<v Speaker 1>And I'm not sure that George Floyd's family, Dante right

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<v Speaker 1>uh Ahmad are very and even Julius Jones, which was

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<v Speaker 1>different because Julius Jones needs to be at home with

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<v Speaker 1>his family, but he was removed from death row and

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<v Speaker 1>his life was spared with hours left before his UM

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<v Speaker 1>for before they would have executed him. And that was

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<v Speaker 1>because of a grass Fools movement. And to your point, UM,

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<v Speaker 1>Terence Crutcher, who was also killed by the police, his

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<v Speaker 1>sister Tiffany Crutcher was out there while holding her own pain,

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<v Speaker 1>she was out there as one of the leaders fighting

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<v Speaker 1>for Julius Jones life. And there are so many people

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<v Speaker 1>who have gone from advocate who have on from UM

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<v Speaker 1>survivors if you will. You know, some of us say victims,

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<v Speaker 1>but they are they're really truly survivors and have turned

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<v Speaker 1>that into becoming warriors within this movement. And I'm not

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<v Speaker 1>sure that they would say it's my new I think

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<v Speaker 1>we have conditioned ourselves because we we understand the larger

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<v Speaker 1>context of the movement, right, and so since we know

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<v Speaker 1>that justice is so much bigger, we condition ourselves to

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<v Speaker 1>UM to minimize it so that we don't have to

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<v Speaker 1>fight with folks who want to say, oh, y'all didn't

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<v Speaker 1>do anything because he should have got fifty years, and

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<v Speaker 1>now you know you didn't do anything, because all of

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<v Speaker 1>them should be guilty. But it's not my new because

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<v Speaker 1>the work that went into standing with Wanda Cooper and

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<v Speaker 1>Lee Merrit and also the work that Shaun King did, um,

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<v Speaker 1>you know for Ahmad r Very and the protests that

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<v Speaker 1>we went out for and the people like you said, uh,

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<v Speaker 1>queen your NaSTA ha in Atlanta, Gerald Griggs, the local

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<v Speaker 1>in Double A CP there um in in uh in

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<v Speaker 1>that part of Georgia. They worked hard. We supported them, um,

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<v Speaker 1>but we were actually living in in Kentucky fighting for

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<v Speaker 1>Brianna Taylor and we still took our time to support

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<v Speaker 1>and stand with Wanda Cooper and the family of Ahmad

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<v Speaker 1>are Very. So you had that movement happened, and that

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<v Speaker 1>kept attention on them every single day. Then you turned

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<v Speaker 1>around and you look at um, you know what was

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<v Speaker 1>done even when Dante right, Yeah, totally you know. And

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<v Speaker 1>by the way, Dante right situation moved fast from the

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<v Speaker 1>day that he was killed until there was a conviction.

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<v Speaker 1>It was very clear in the state of Minnesota that

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<v Speaker 1>people were not going to sit back and allow them

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<v Speaker 1>to slip back with justice because there was all ready

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<v Speaker 1>a conviction on George Floyd. And I think, um, what

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<v Speaker 1>some folks may not understand, they may not be aware

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<v Speaker 1>of how much work went into electing Keith Ellison, who

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<v Speaker 1>is the the the attorney general. They're in Minnesota. I

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<v Speaker 1>don't think people understand how much work and what the

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<v Speaker 1>battle was to get him elected so that he can

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<v Speaker 1>fight for real and true justice in that state. There

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<v Speaker 1>is so much more work to be done, but it's

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<v Speaker 1>not minew when you think about Brianna Taylor. Yeah, the

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<v Speaker 1>trying to get actual convictions and to get people arrested

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<v Speaker 1>in charge, it's an uphill battle. We hope that the

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<v Speaker 1>Feds will come in and file federal charges against the officers,

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<v Speaker 1>particularly the four officers, but even more folks than that

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<v Speaker 1>were involved in murdering Brianna Taylor. But yet those officers

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<v Speaker 1>have been removed from the force, and that for us,

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<v Speaker 1>while it is not the indoor be all, it is

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<v Speaker 1>significant that they have been disgraced and sent home from

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<v Speaker 1>their jobs. Now we have to fight to make sure

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<v Speaker 1>that we get actual legislation put in place that monitors

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<v Speaker 1>them so that they cannot just go get another job

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<v Speaker 1>in a different city, um and and and permit the

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<v Speaker 1>same crimes. So to your point, there is a lot

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<v Speaker 1>of work to be done. There's an incredible amount of

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<v Speaker 1>work to be done. But I refuse not to appreciate

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<v Speaker 1>all the people who have worked to do what has

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<v Speaker 1>happened within the year of one that we hope to

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<v Speaker 1>keep into You're right, you know, I apologize, you know, apologize.

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<v Speaker 1>It's not because it's not just out work, right, it's

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<v Speaker 1>other people who are out there working, and as I

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<v Speaker 1>applaud them, you know, I don't want to minimize, you know,

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<v Speaker 1>the losses of people who actually were invested in this work,

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<v Speaker 1>because a lot of people lost sleep, they gained trauma,

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<v Speaker 1>they lost money, they lost family, they lost so many

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<v Speaker 1>different things in this fight for justice. So it's beneath

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<v Speaker 1>me to even try to minimize what people lost in this.

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<v Speaker 1>But I do want us to understand that there's so

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<v Speaker 1>much to go. We still have a lot to fight for.

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<v Speaker 1>But those victories that we did get, they weren't they're

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<v Speaker 1>not minute, they're definitely major victories, you know, So continue

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<v Speaker 1>to fight with that and knowing that you have gained

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<v Speaker 1>victories and we still got a lot to do. And

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<v Speaker 1>so that brings me to my thought of the day. Now.

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<v Speaker 1>You know, I've been really on vacation. I literally have

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<v Speaker 1>done absolutely nothing, and for you and other people who

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<v Speaker 1>called me. I've been sitting in a dark room relaxing

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<v Speaker 1>for the entire holiday, with the exception of moving around

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<v Speaker 1>a little bit here and there. Number One, I ain't

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<v Speaker 1>trying to get the COVID. Number two, I just needed

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<v Speaker 1>a break and I really needed to get focused. So,

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<v Speaker 1>you know, TV was a thing, like I was watching shows.

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<v Speaker 1>First of all, we start the holiday with Insecure going

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<v Speaker 1>off the air, so they their last show. I haven't

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<v Speaker 1>even watched it because I'm like heartbroken, and I know

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<v Speaker 1>a little bit about what happened, because social media is

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<v Speaker 1>such a spoiler, like they just tell you everything, but

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<v Speaker 1>you know that's gone. Then the other day I was

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<v Speaker 1>watching TV. I was really excited about Blackish, and I

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<v Speaker 1>learned that it was their last episode as well. I'm

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<v Speaker 1>just trying to figure out, what in the heck is happening?

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<v Speaker 1>Is it the ratings? Are we not watching the shows?

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<v Speaker 1>You know? What is? What is the issue? Is it advertising?

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<v Speaker 1>What are we going to do to keep content on

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<v Speaker 1>TV that helps to show us in in not just

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<v Speaker 1>a positive light, but in our true form. I have

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<v Speaker 1>no issue with fifty cents and his uh, you know,

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<v Speaker 1>his portfolio, because we all like a little crime and

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<v Speaker 1>hustless TV everything every if you say entertainment whatever, right,

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<v Speaker 1>we all we all like that. By the way, it's

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<v Speaker 1>every other culture has the same, so we're not gonna

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<v Speaker 1>see him act like you. The white folks are not

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<v Speaker 1>killing each other and shooting up and everything on TV.

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<v Speaker 1>The Asian community there and everybody has entertainment. To your point,

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<v Speaker 1>that's um criminal through a criminal Lennits. Lets me say

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<v Speaker 1>it's like that, but the fundamentals of their every day

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<v Speaker 1>for their children is not just focusing on power and

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<v Speaker 1>BMF and things like that. They also have grays and

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<v Speaker 1>that they have I don't know you name the shows

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<v Speaker 1>right they I don't even know them, but I know

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<v Speaker 1>that they have a bunch of shows that shows sort

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<v Speaker 1>of a myriad, if you will, of images to their

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<v Speaker 1>young people. You turn on the TV for us and

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<v Speaker 1>we're losing everything. And Blackish was such an important show

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<v Speaker 1>since we had the Cosby Show, then you have Blackish.

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<v Speaker 1>I don't know, maybe there was something in between, but

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<v Speaker 1>to lose Blackish, I mean, I'm gonna literally call both

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<v Speaker 1>Tracy Ellis and Anthony Anderson and ask why is it

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<v Speaker 1>that they were ready to move on with their careers

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<v Speaker 1>like I just don't get it. I'm really trying to

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<v Speaker 1>understand how we keep content that is for your children

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<v Speaker 1>and my niece and other kids that are growing up.

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<v Speaker 1>I mean, we got to continue to create it. Man,

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<v Speaker 1>we have lean away. If we have so many different

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<v Speaker 1>black producers and you know that understand the need, you know,

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<v Speaker 1>maybe maybe I think what happens it becomes hard to

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<v Speaker 1>create content right after a certain amount of seasons, or

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<v Speaker 1>maybe the ratings. I don't know. I can't really imagine

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<v Speaker 1>that black Is not have a good ratings, but TV

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<v Speaker 1>in itself, the ratings for TV and itself has been

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<v Speaker 1>going low. But I do believe that black Ish was

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<v Speaker 1>definitely something that was needed in our community. Was something

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<v Speaker 1>that you look to. You know, it showed us in

0:14:23.080 --> 0:14:26.000
<v Speaker 1>a very positive light. It showed us in so many

0:14:26.040 --> 0:14:34.080
<v Speaker 1>different real life situations that happened in black homes, whether

0:14:34.120 --> 0:14:37.000
<v Speaker 1>it's just black homes that come from wealth or just poor.

0:14:37.080 --> 0:14:40.800
<v Speaker 1>It was just those same understandings of just black culture

0:14:41.640 --> 0:14:44.320
<v Speaker 1>that they talked about was something that really happened in

0:14:44.400 --> 0:14:46.880
<v Speaker 1>most homes that people can identify with right and it

0:14:46.880 --> 0:14:49.240
<v Speaker 1>then it gave you something to reach for, to have

0:14:49.640 --> 0:14:52.000
<v Speaker 1>a mother and father that was that successful right to

0:14:52.080 --> 0:14:54.600
<v Speaker 1>be a mother and father that was that successful. So

0:14:55.360 --> 0:14:58.200
<v Speaker 1>it was so it represented so many different things for

0:14:58.280 --> 0:15:01.920
<v Speaker 1>our culture. And I just I hope that we have

0:15:02.280 --> 0:15:06.720
<v Speaker 1>the next production right in the host like in the pipeline,

0:15:06.840 --> 0:15:10.120
<v Speaker 1>and now I think we have grown Ish and which

0:15:10.120 --> 0:15:12.720
<v Speaker 1>i'm Yara Shahidi is. I think she's one of the

0:15:12.760 --> 0:15:16.040
<v Speaker 1>executive producers and she's also on the show. We have

0:15:16.200 --> 0:15:19.800
<v Speaker 1>to support these folks like we have to. I know,

0:15:19.880 --> 0:15:23.080
<v Speaker 1>we think people are watching, they must have good ratings,

0:15:23.120 --> 0:15:26.720
<v Speaker 1>but actually they don't. They don't have the type of

0:15:26.840 --> 0:15:32.640
<v Speaker 1>ratings that's necessary to generate consistent advertising dollars. And that's

0:15:32.680 --> 0:15:35.960
<v Speaker 1>the problem. You have to actually have millions of people

0:15:36.160 --> 0:15:39.600
<v Speaker 1>watching your show in order to make sure that you

0:15:39.640 --> 0:15:42.560
<v Speaker 1>can get those ad dollars, or you get pushed to

0:15:42.760 --> 0:15:45.920
<v Speaker 1>some cable networks, and then when you're on those networks,

0:15:45.920 --> 0:15:49.200
<v Speaker 1>not everyone can see it because not everyone has cable.

0:15:49.600 --> 0:15:53.200
<v Speaker 1>So it's like a tricky, tricky thing of trying to

0:15:53.280 --> 0:15:56.320
<v Speaker 1>figure out how do we keep content out there that's

0:15:56.400 --> 0:15:59.080
<v Speaker 1>forward facing for our young people to be able to

0:15:59.160 --> 0:16:02.200
<v Speaker 1>your point, it's not that not even just young right,

0:16:02.320 --> 0:16:06.640
<v Speaker 1>even young adults. Right, Let's just let's we got kids,

0:16:06.840 --> 0:16:09.840
<v Speaker 1>and we need shows like Blackish, Grownish and other things

0:16:09.880 --> 0:16:12.440
<v Speaker 1>for them. But I'm just thinking of when you talk

0:16:12.480 --> 0:16:16.520
<v Speaker 1>about Insecure. This is for a young adult. You have

0:16:16.640 --> 0:16:20.600
<v Speaker 1>a situation where Issa, when the show originally comes on,

0:16:20.800 --> 0:16:23.840
<v Speaker 1>she has no job. She hustling trying to figure it out.

0:16:24.160 --> 0:16:26.840
<v Speaker 1>It gives you a depiction of what it's like when

0:16:26.880 --> 0:16:29.920
<v Speaker 1>people are like, you know, sleeping with this person and

0:16:30.000 --> 0:16:32.120
<v Speaker 1>you fall in love and then you get your heart broke,

0:16:32.160 --> 0:16:34.560
<v Speaker 1>how you get out of it, what your girlfriends can

0:16:34.560 --> 0:16:38.000
<v Speaker 1>do to support you, how your girlfriends can tear you down,

0:16:38.360 --> 0:16:43.120
<v Speaker 1>the different types of personalities, people who are um, you know,

0:16:43.240 --> 0:16:46.280
<v Speaker 1>they are what do you call a plus size? Other

0:16:46.320 --> 0:16:49.600
<v Speaker 1>people like It's so many different things that when you're

0:16:49.640 --> 0:16:52.760
<v Speaker 1>sitting there watching these shows. I remember when I used

0:16:52.800 --> 0:16:55.920
<v Speaker 1>to watch A Different World, the cosby showing other things

0:16:56.040 --> 0:16:58.680
<v Speaker 1>I saw like, okay, I could do that and take

0:16:58.680 --> 0:17:00.400
<v Speaker 1>a little bit of this. I like the little bit

0:17:00.400 --> 0:17:02.840
<v Speaker 1>of wey, I like a little bit of uh, you

0:17:02.880 --> 0:17:06.120
<v Speaker 1>know this person that like what in the hell we

0:17:06.119 --> 0:17:09.160
<v Speaker 1>we like? You said, there has to be a consistent

0:17:09.280 --> 0:17:13.200
<v Speaker 1>pipeline because while we love Tyler Perry, while we love

0:17:14.000 --> 0:17:17.520
<v Speaker 1>fifty cent and and all of these shows, that's not

0:17:17.640 --> 0:17:21.760
<v Speaker 1>exactly what we're talking about. Those things are entertainment, but

0:17:21.960 --> 0:17:26.520
<v Speaker 1>though just a regular family and or people who are

0:17:26.640 --> 0:17:29.840
<v Speaker 1>existing every day working through life, and they're not so

0:17:29.920 --> 0:17:34.800
<v Speaker 1>much stereotypical. We need that. We need that. So that's

0:17:34.800 --> 0:17:38.520
<v Speaker 1>my thought of the day. Bring it back. It's definitely

0:17:38.520 --> 0:17:42.120
<v Speaker 1>a good thought. Man. We need your producers, black producers

0:17:42.160 --> 0:17:44.720
<v Speaker 1>get out there and make us these shows that show

0:17:44.840 --> 0:17:47.560
<v Speaker 1>us in the highlight and give us that energy, to

0:17:47.600 --> 0:17:50.360
<v Speaker 1>give us that will to to you know, to aspire

0:17:50.400 --> 0:17:52.480
<v Speaker 1>to be more. We're looking forward to that, man, make

0:17:52.480 --> 0:17:54.520
<v Speaker 1>sure you'll do it. So usually at this time we

0:17:54.560 --> 0:17:57.200
<v Speaker 1>would have our resident brand expert Latoria bound with our

0:17:57.240 --> 0:18:00.040
<v Speaker 1>small business of the week, but we're not gonna do

0:18:00.160 --> 0:18:03.840
<v Speaker 1>that this week. But next week we're gonna look back

0:18:03.880 --> 0:18:07.040
<v Speaker 1>at all of the small business that we've showcased throughout

0:18:07.080 --> 0:18:09.960
<v Speaker 1>the last year and we're gonna add a couple more.

0:18:10.560 --> 0:18:13.320
<v Speaker 1>We definitely need you to tune in and make sure

0:18:13.359 --> 0:18:15.399
<v Speaker 1>that you give us your small business. Make sure that

0:18:15.480 --> 0:18:18.680
<v Speaker 1>you are a small business, to have a real business.

0:18:19.080 --> 0:18:21.000
<v Speaker 1>Make sure you're a real business, because we want to

0:18:21.000 --> 0:18:22.919
<v Speaker 1>showcase you want to be able to give you an

0:18:22.920 --> 0:18:28.600
<v Speaker 1>opportunity to promote your services or your product on our platform.

0:18:31.320 --> 0:18:35.000
<v Speaker 1>So the term know your status has generally been used

0:18:35.160 --> 0:18:38.840
<v Speaker 1>to talk about your status for your health, to talk

0:18:38.880 --> 0:18:41.679
<v Speaker 1>about whether or not you know if your HIV positive

0:18:41.840 --> 0:18:45.359
<v Speaker 1>or carrying some other type of disease. And of course,

0:18:45.440 --> 0:18:48.680
<v Speaker 1>now that we're in the time of covid um, knowing

0:18:48.760 --> 0:18:51.280
<v Speaker 1>your status has a lot to do with being tested

0:18:51.359 --> 0:18:54.520
<v Speaker 1>to see whether you're positive or not. But knowing your

0:18:54.560 --> 0:18:57.520
<v Speaker 1>status means a lot of things, and it should for us,

0:18:57.600 --> 0:19:02.240
<v Speaker 1>particularly black folks in this world and specifically in America,

0:19:02.680 --> 0:19:06.280
<v Speaker 1>it should mean knowing what's happening with our credit, UM,

0:19:06.400 --> 0:19:09.760
<v Speaker 1>checking our records, and knowing what's happening with our name,

0:19:09.880 --> 0:19:13.159
<v Speaker 1>our social security numbers. And oftentimes we don't like to

0:19:13.240 --> 0:19:16.200
<v Speaker 1>see things that are not right in front of our faces.

0:19:16.440 --> 0:19:18.760
<v Speaker 1>We don't want to deal with it, we don't want

0:19:18.840 --> 0:19:21.040
<v Speaker 1>the stress, and we certainly don't want to have to

0:19:21.080 --> 0:19:23.800
<v Speaker 1>do the work of repairing the credit that we may

0:19:23.880 --> 0:19:27.639
<v Speaker 1>have ruined from when we were younger. Um. But you know,

0:19:27.800 --> 0:19:31.080
<v Speaker 1>fraud is a thing, and we're actually doing a show here.

0:19:31.119 --> 0:19:34.440
<v Speaker 1>We are the first week coming back from the holidays,

0:19:34.440 --> 0:19:37.679
<v Speaker 1>where so many people have spent money. Um, maybe you

0:19:37.720 --> 0:19:40.359
<v Speaker 1>haven't checked your bank account. Maybe you haven't checked your

0:19:40.359 --> 0:19:44.160
<v Speaker 1>credit card statement. But fraud was a real thing going

0:19:44.200 --> 0:19:46.800
<v Speaker 1>into the holidays and it still is. And so we're

0:19:46.840 --> 0:19:51.640
<v Speaker 1>talking with some folks today who are real professional experts

0:19:51.680 --> 0:19:55.320
<v Speaker 1>on how to address your credit and also how to

0:19:55.560 --> 0:19:59.199
<v Speaker 1>be to ensure that you are not a victim of fraud.

0:19:59.800 --> 0:20:03.639
<v Speaker 1>I first guest is Swanna King. She is a credit

0:20:03.720 --> 0:20:08.000
<v Speaker 1>repair expert, the author of a book call Swipe, a

0:20:08.280 --> 0:20:12.560
<v Speaker 1>motivational speaker, and she was just featured on the v

0:20:12.800 --> 0:20:16.440
<v Speaker 1>H one series My True Crime Story. Um, she's also

0:20:16.520 --> 0:20:19.679
<v Speaker 1>a friend to street politicians. And we're happy to have

0:20:19.840 --> 0:20:21.959
<v Speaker 1>you with us today, Chiwana, and you gotta put us

0:20:21.960 --> 0:20:24.879
<v Speaker 1>on and tell us what we don't know. Thank you

0:20:25.040 --> 0:20:27.600
<v Speaker 1>so much for having me. I'm so excited to be here.

0:20:28.000 --> 0:20:31.560
<v Speaker 1>Thank you my son, thank you everyone. UM, I'm excited

0:20:31.960 --> 0:20:35.840
<v Speaker 1>this episode is. It means a lot to me because, um,

0:20:35.840 --> 0:20:39.800
<v Speaker 1>you know my background where I came from. Um, financial freedom,

0:20:39.880 --> 0:20:42.520
<v Speaker 1>like financial literacy we did not know about, you know,

0:20:42.600 --> 0:20:45.760
<v Speaker 1>growing up, I did not know anything about financial literacy

0:20:45.800 --> 0:20:49.399
<v Speaker 1>at all. You know, I only knew what was around me,

0:20:49.640 --> 0:20:52.440
<v Speaker 1>you know, so growing up, uh, you know, me going

0:20:52.560 --> 0:20:55.920
<v Speaker 1>to prison, me being inconclrated was for identity that for

0:20:56.200 --> 0:21:00.320
<v Speaker 1>credit card for it, you know, and that's where it stopped. Like, oh,

0:21:00.400 --> 0:21:02.320
<v Speaker 1>that's all I knew was going into the store using

0:21:02.320 --> 0:21:04.880
<v Speaker 1>somebody else's credit card, but I did not know how

0:21:04.920 --> 0:21:09.280
<v Speaker 1>it affected that person and the people cards I was using.

0:21:10.520 --> 0:21:12.800
<v Speaker 1>I was just using it. They weren't. They didn't even notice.

0:21:12.840 --> 0:21:15.320
<v Speaker 1>They didn't realize that I was using their card, you

0:21:15.359 --> 0:21:18.080
<v Speaker 1>know what I mean. So it's like, now that I

0:21:18.240 --> 0:21:21.879
<v Speaker 1>know better, I'm like, Wow, it's a lot of people

0:21:21.960 --> 0:21:26.200
<v Speaker 1>out here who really don't check their credit, who don't

0:21:26.240 --> 0:21:30.280
<v Speaker 1>even utilize their credit, who don't really know anything about credit.

0:21:30.440 --> 0:21:33.720
<v Speaker 1>And now that I do credit card, credit credit repair,

0:21:34.119 --> 0:21:36.639
<v Speaker 1>it's like I s been to a lot of people

0:21:36.640 --> 0:21:39.600
<v Speaker 1>and I try to, you know, educate them on how

0:21:39.640 --> 0:21:42.840
<v Speaker 1>important credit is, you know, what you can do with

0:21:42.880 --> 0:21:47.440
<v Speaker 1>your credit. But if you don't know growing up, it's

0:21:47.520 --> 0:21:55.480
<v Speaker 1>hard how you doing so, you know, just being formally incarcerated,

0:21:55.600 --> 0:21:59.040
<v Speaker 1>you know, as well and understanding what was how would

0:21:59.040 --> 0:22:03.080
<v Speaker 1>you introduce to credit, like to credit cards? Like what

0:22:03.359 --> 0:22:05.080
<v Speaker 1>was the process? You know a lot of people don't

0:22:05.119 --> 0:22:07.520
<v Speaker 1>know it, so we gotta give them a little education

0:22:07.560 --> 0:22:10.200
<v Speaker 1>so they can understand, like what's you look out for?

0:22:10.800 --> 0:22:13.280
<v Speaker 1>You know? How you pay attention to see if these

0:22:13.320 --> 0:22:17.800
<v Speaker 1>things are happening to you. So okay, so how I

0:22:17.960 --> 0:22:21.080
<v Speaker 1>was introduced and I'm gonna bring it from before into now.

0:22:21.440 --> 0:22:23.320
<v Speaker 1>So do you know right now, like when you get

0:22:23.359 --> 0:22:27.800
<v Speaker 1>those alerts that say your passport has been compromised on

0:22:28.000 --> 0:22:31.960
<v Speaker 1>the dark web or um change your passport immediately because

0:22:32.000 --> 0:22:36.560
<v Speaker 1>it has been um the detected in certain websites. That's

0:22:36.560 --> 0:22:41.480
<v Speaker 1>a real thing. Like it's real because before you know,

0:22:41.600 --> 0:22:46.000
<v Speaker 1>prior to mind conservation, I was basically paying a hacker

0:22:46.400 --> 0:22:50.560
<v Speaker 1>to happen to the bank systems or happen to uh,

0:22:50.720 --> 0:22:54.160
<v Speaker 1>let's just say American Expressed, and they will basically get

0:22:54.240 --> 0:23:00.040
<v Speaker 1>your account password, email password, and they were trying to

0:23:00.160 --> 0:23:04.480
<v Speaker 1>pay for that information. And now like I even get

0:23:04.520 --> 0:23:07.719
<v Speaker 1>it on my email, it's like change your passport because

0:23:07.760 --> 0:23:10.720
<v Speaker 1>that means that your email and your passport is out there.

0:23:10.960 --> 0:23:13.919
<v Speaker 1>So now it's compromised. So now the hackers can go

0:23:14.040 --> 0:23:17.560
<v Speaker 1>in and actually take that information and sell it on

0:23:17.600 --> 0:23:20.520
<v Speaker 1>the dark web. And that's where I came. And prior

0:23:20.640 --> 0:23:23.440
<v Speaker 1>I was going in on a dark web and purchasing

0:23:23.480 --> 0:23:26.240
<v Speaker 1>that information. And then now I'm able to go into

0:23:26.240 --> 0:23:30.720
<v Speaker 1>the store and use that person's identity. Now, but were

0:23:30.800 --> 0:23:34.080
<v Speaker 1>you making because I I know a guy who went

0:23:34.119 --> 0:23:37.840
<v Speaker 1>to jail for actually making the credit card with the

0:23:37.960 --> 0:23:41.359
<v Speaker 1>numbers on it and the strip, and at some point

0:23:41.680 --> 0:23:44.399
<v Speaker 1>it got to the point that they were actually able

0:23:44.440 --> 0:23:46.960
<v Speaker 1>to make the credit card work. It started out where

0:23:47.320 --> 0:23:50.480
<v Speaker 1>they used the credit card and it wasn't live. It

0:23:50.560 --> 0:23:53.600
<v Speaker 1>just had the numbers on it and looked real. But

0:23:53.680 --> 0:23:55.679
<v Speaker 1>then they got it to the point where the card

0:23:55.840 --> 0:23:59.040
<v Speaker 1>was actually working with the swipe in the store is

0:23:59.440 --> 0:24:03.560
<v Speaker 1>where that's yeah. So basically, yeah, the same exact thing.

0:24:03.640 --> 0:24:07.240
<v Speaker 1>So basically I will contact a hacker. A hacker will

0:24:07.280 --> 0:24:10.680
<v Speaker 1>sell me information. It's called the track. The track has

0:24:11.000 --> 0:24:15.280
<v Speaker 1>your six team digit card number, your exploration day, your name,

0:24:15.359 --> 0:24:17.879
<v Speaker 1>all of your information. It's like it's like an it's

0:24:17.920 --> 0:24:21.160
<v Speaker 1>like encoded into like these codes. So what I would

0:24:21.160 --> 0:24:24.360
<v Speaker 1>do is there's a machine that you have, you connected

0:24:24.359 --> 0:24:28.080
<v Speaker 1>to your computer, and you basically transferred that information to

0:24:28.200 --> 0:24:30.800
<v Speaker 1>the credit card. You have to edit. Any card that

0:24:30.840 --> 0:24:33.320
<v Speaker 1>has a strip on it could be transferred. Could be

0:24:33.359 --> 0:24:35.840
<v Speaker 1>a hotel key, as long as it have like a

0:24:35.880 --> 0:24:38.320
<v Speaker 1>black magnetic strip on the back of it, it could

0:24:38.320 --> 0:24:40.920
<v Speaker 1>be transferred. That information could be transferred to the card

0:24:40.960 --> 0:24:45.240
<v Speaker 1>and you could basically use it anywhere. Wow. Wow to me,

0:24:45.320 --> 0:24:47.600
<v Speaker 1>it's very I used to always askwer that she'll go

0:24:47.680 --> 0:24:50.399
<v Speaker 1>to a hotel and she'll make sure that everybody throws

0:24:50.440 --> 0:24:53.680
<v Speaker 1>the keys away. She will not leave a hotel key

0:24:53.840 --> 0:24:57.040
<v Speaker 1>anywhere because she says, people can get your information, and

0:24:57.080 --> 0:25:01.280
<v Speaker 1>I never will. Yeah, you know, and what they do too. Um,

0:25:01.320 --> 0:25:03.320
<v Speaker 1>what they'll do is, let's just say, if you're gonna

0:25:03.320 --> 0:25:06.920
<v Speaker 1>make a purchase, um, and they will take your car,

0:25:07.560 --> 0:25:10.679
<v Speaker 1>swipe it and you know, the machine at the store,

0:25:10.760 --> 0:25:13.160
<v Speaker 1>and then also swipe it in a little device. It's

0:25:13.200 --> 0:25:18.760
<v Speaker 1>like as small as they're like, uh uh yeah, it's

0:25:18.880 --> 0:25:21.359
<v Speaker 1>that's small, Like, um, they'll swipe it on that and

0:25:21.400 --> 0:25:23.840
<v Speaker 1>then now they have all your information. So that just

0:25:23.920 --> 0:25:27.240
<v Speaker 1>eliminates them being able to they don't have to contact

0:25:27.280 --> 0:25:30.080
<v Speaker 1>a hacker. They have your information right there, you know.

0:25:30.160 --> 0:25:32.720
<v Speaker 1>And you're doing that to everyone who come and purchase.

0:25:33.920 --> 0:25:37.080
<v Speaker 1>So so tell us. So okay, so you got into

0:25:37.160 --> 0:25:39.679
<v Speaker 1>that first. It couldn't have just started there though, Like

0:25:39.760 --> 0:25:43.719
<v Speaker 1>that's high level. So you had to start somewhere a

0:25:43.760 --> 0:25:46.840
<v Speaker 1>little bit before that stage. Was it that you just

0:25:46.960 --> 0:25:50.159
<v Speaker 1>found out it was easy? Did somebody tell you to

0:25:50.280 --> 0:25:55.360
<v Speaker 1>get involved? So it's crazy, but I don't. I never

0:25:55.440 --> 0:25:59.600
<v Speaker 1>said this anywhere else. So when I was younger, I

0:25:59.680 --> 0:26:03.320
<v Speaker 1>was you know my aunt, she's um, She's from Maryland.

0:26:03.359 --> 0:26:05.800
<v Speaker 1>She had a bunch of salons. She was like that

0:26:05.920 --> 0:26:08.800
<v Speaker 1>aunt that was like flying, you know. And I'm like, damn,

0:26:08.880 --> 0:26:11.159
<v Speaker 1>she got a bunch of salons. She got all this money,

0:26:11.760 --> 0:26:13.600
<v Speaker 1>and I knew that. She went to prison for a

0:26:13.680 --> 0:26:17.679
<v Speaker 1>credit card fraud. Right. She wrote a book called Charge

0:26:17.680 --> 0:26:20.399
<v Speaker 1>It to the Game. Right, I've read the book. I

0:26:20.560 --> 0:26:23.480
<v Speaker 1>never said this anywhere else. She don't even know this.

0:26:24.560 --> 0:26:29.320
<v Speaker 1>I've read the book and I was like, wow, this

0:26:29.400 --> 0:26:32.680
<v Speaker 1>is crazy. Like she was giving detail, but not too

0:26:32.760 --> 0:26:35.800
<v Speaker 1>much detail. So I went on um the dark web,

0:26:35.880 --> 0:26:39.280
<v Speaker 1>and I started researching. I found out all the information

0:26:39.320 --> 0:26:42.080
<v Speaker 1>I needed, and I found the person who basically I

0:26:42.080 --> 0:26:49.720
<v Speaker 1>could buy the tracks from. Wow, tracks cost the tracks

0:26:49.760 --> 0:26:53.399
<v Speaker 1>are about At that time there were fifty dollars. So

0:26:53.440 --> 0:26:55.840
<v Speaker 1>now you're talking about something that costs fifty dollars that

0:26:55.840 --> 0:27:01.120
<v Speaker 1>I can get about dollars from. That's that that that's

0:27:01.119 --> 0:27:07.320
<v Speaker 1>a no brainer right there? Mm hmm, I purchasing huh no, no,

0:27:07.359 --> 0:27:09.360
<v Speaker 1>go add what you said. I was saying, So I'm

0:27:09.359 --> 0:27:13.280
<v Speaker 1>purchasing these tracks, and all I have to do is

0:27:13.640 --> 0:27:17.439
<v Speaker 1>basically get a bunch of blank credit cards. At that time,

0:27:17.760 --> 0:27:22.600
<v Speaker 1>I was going into like CBS war Green and taking

0:27:22.640 --> 0:27:25.000
<v Speaker 1>the gift cards. They're free, just going in and take them.

0:27:25.040 --> 0:27:27.920
<v Speaker 1>You know, they have a black magnetic strip on it.

0:27:28.200 --> 0:27:30.960
<v Speaker 1>So I was using the tracks, putting it on the

0:27:31.080 --> 0:27:35.360
<v Speaker 1>black on the card and just going into the store usually.

0:27:36.000 --> 0:27:38.520
<v Speaker 1>So how did you get caught? Like? What was the thing?

0:27:39.480 --> 0:27:43.480
<v Speaker 1>So I got court? Now, the reason why I got

0:27:43.480 --> 0:27:45.879
<v Speaker 1>caught was because the person who I was purchasing the

0:27:45.960 --> 0:27:50.080
<v Speaker 1>tracks from, he's he's in China. He's in China, and

0:27:50.400 --> 0:27:52.200
<v Speaker 1>I don't know who he is. I never met him.

0:27:52.359 --> 0:27:57.400
<v Speaker 1>We only spoke online. So um, he was shipping cards

0:27:57.520 --> 0:28:02.040
<v Speaker 1>to Africa to me and Brooke when to all over

0:28:02.840 --> 0:28:06.320
<v Speaker 1>and uh, he started to get hot and they started

0:28:06.320 --> 0:28:09.480
<v Speaker 1>watching him. So what he did was he told me,

0:28:09.520 --> 0:28:12.960
<v Speaker 1>he's like, listen, I can ship you some cards. Uh,

0:28:13.040 --> 0:28:15.280
<v Speaker 1>you don't have to you know, they'll be real cards,

0:28:15.400 --> 0:28:17.440
<v Speaker 1>you know, with your name. You don't have to use

0:28:17.480 --> 0:28:20.439
<v Speaker 1>the cards that from CBS. So you know, this car

0:28:20.520 --> 0:28:22.840
<v Speaker 1>would be actually with your name on it. So it

0:28:23.000 --> 0:28:25.040
<v Speaker 1>was better for me because sometimes I would go into

0:28:25.040 --> 0:28:26.520
<v Speaker 1>the store and they'll be like, oh, well, this is

0:28:26.560 --> 0:28:29.680
<v Speaker 1>a gift card. You can't use over five hundred dollars.

0:28:29.720 --> 0:28:31.760
<v Speaker 1>If it's only five hundred dollars on a gift card.

0:28:32.119 --> 0:28:34.320
<v Speaker 1>If it sets five hundred dollars on the card, how

0:28:34.440 --> 0:28:37.800
<v Speaker 1>you swiping it for five thousand dollars. So I needed

0:28:37.840 --> 0:28:41.120
<v Speaker 1>that connect at that time. So for about a year,

0:28:41.200 --> 0:28:43.479
<v Speaker 1>he was just shipping me cards, shipping me cards. Everything

0:28:43.560 --> 0:28:46.480
<v Speaker 1>was cool. He started to get hot because someone in

0:28:46.600 --> 0:28:50.560
<v Speaker 1>Nigeria got in trouble. So customs basically stopped the package

0:28:51.120 --> 0:28:54.520
<v Speaker 1>that was coming to me. And when they stopped the package,

0:28:54.800 --> 0:28:56.640
<v Speaker 1>they opened it and they see what was in it,

0:28:56.880 --> 0:28:59.240
<v Speaker 1>they sealed it back and sent it to me. So

0:28:59.280 --> 0:29:01.120
<v Speaker 1>when they sent it to me, I didn't know it

0:29:01.160 --> 0:29:04.280
<v Speaker 1>got stopped and they just started following me from there.

0:29:04.280 --> 0:29:08.600
<v Speaker 1>They was following me for six months wow, while he

0:29:08.720 --> 0:29:11.720
<v Speaker 1>was using the car, so they had a full case

0:29:11.760 --> 0:29:14.160
<v Speaker 1>of course when they finally And I think that's the

0:29:14.200 --> 0:29:18.560
<v Speaker 1>whole point is like it feels good right, like while

0:29:18.600 --> 0:29:22.640
<v Speaker 1>it's happening, you're looking bad and doing your thing. But

0:29:22.760 --> 0:29:26.080
<v Speaker 1>at some point I don't know anyone. I really literally

0:29:26.120 --> 0:29:29.800
<v Speaker 1>don't know anyone that has been able to accomplish like

0:29:29.960 --> 0:29:33.640
<v Speaker 1>longevity and then never get caught doing these things. I

0:29:33.720 --> 0:29:37.040
<v Speaker 1>just I don't know anyone. Everybody I know and somebody

0:29:37.560 --> 0:29:40.000
<v Speaker 1>with them. No, it's true. And then at that time,

0:29:40.040 --> 0:29:42.120
<v Speaker 1>I was so young, Like I went to federal prison

0:29:42.120 --> 0:29:45.280
<v Speaker 1>when I was nineteen years old, you know, and I

0:29:45.320 --> 0:29:48.440
<v Speaker 1>was doing that from seventeen. I went to prison at nineteen,

0:29:48.520 --> 0:29:50.880
<v Speaker 1>came home, didn't know anything else, did the same thing.

0:29:50.920 --> 0:29:54.080
<v Speaker 1>Over thought, I got smarter, bought all the machines, got

0:29:54.080 --> 0:29:56.600
<v Speaker 1>caught another two years. They didn't have to do two

0:29:56.600 --> 0:29:58.280
<v Speaker 1>and a half years, you know what I mean. So

0:29:59.320 --> 0:30:01.840
<v Speaker 1>I didn't really all another way. That's all I knew

0:30:01.880 --> 0:30:03.800
<v Speaker 1>at that time. That's the only that's how I knew

0:30:03.800 --> 0:30:10.800
<v Speaker 1>how to make money. It's it's unfortunate that I had

0:30:10.840 --> 0:30:13.840
<v Speaker 1>to go through that, but I don't regret anything that

0:30:13.880 --> 0:30:15.640
<v Speaker 1>I've gone through, you know, because it made me who

0:30:15.640 --> 0:30:19.320
<v Speaker 1>I am today. And you know, it's it was. It

0:30:19.400 --> 0:30:21.920
<v Speaker 1>was crazy, you know, because you get so addicted to

0:30:22.000 --> 0:30:24.680
<v Speaker 1>like the material stuff, because you're walking into the store

0:30:24.680 --> 0:30:27.360
<v Speaker 1>and you're getting these things for free basically, you know,

0:30:27.640 --> 0:30:31.560
<v Speaker 1>like I'm spending a hundred dollars per card and I'm

0:30:31.600 --> 0:30:35.280
<v Speaker 1>getting ten, fifteen, twenty dollars per card, you know, so

0:30:36.280 --> 0:30:42.880
<v Speaker 1>it becomes like addiction, you know, to like it's crazy.

0:30:43.360 --> 0:30:45.880
<v Speaker 1>So you didn't you So how much time did you

0:30:45.920 --> 0:30:47.600
<v Speaker 1>do in prison? You said you went to jail the

0:30:47.640 --> 0:30:52.560
<v Speaker 1>first time, came home and did it again, and years

0:30:52.640 --> 0:30:56.160
<v Speaker 1>altogether you did five, you went home, You went there

0:30:56.160 --> 0:30:59.400
<v Speaker 1>for three, came home, did something, and didn't went for

0:30:59.440 --> 0:31:03.840
<v Speaker 1>two more. Is yeah? And then so what made you say, Okay,

0:31:03.960 --> 0:31:06.320
<v Speaker 1>I gotta I gotta do something different? Like what what?

0:31:06.320 --> 0:31:09.320
<v Speaker 1>What was it when you came home did you immediately

0:31:09.360 --> 0:31:11.280
<v Speaker 1>said I'm not going back to jail. Or when you

0:31:11.360 --> 0:31:13.440
<v Speaker 1>was in jail, did you say, look, I gotta do

0:31:13.520 --> 0:31:16.680
<v Speaker 1>something different, like with what meet your mind flips? The

0:31:16.840 --> 0:31:19.880
<v Speaker 1>first time? I didn't think like that the first time,

0:31:19.920 --> 0:31:23.080
<v Speaker 1>I said, you know what, I got caught because not

0:31:23.200 --> 0:31:26.000
<v Speaker 1>something that I did. I got caught because he was

0:31:26.040 --> 0:31:29.280
<v Speaker 1>doing something and I got, you know, wrapped up in it.

0:31:29.440 --> 0:31:32.440
<v Speaker 1>So that's how my mom was, honestly, the first time

0:31:32.840 --> 0:31:36.320
<v Speaker 1>nineteen years old, spent two years, and then came home.

0:31:36.720 --> 0:31:38.240
<v Speaker 1>I'm like, you know what, I'm gonna do it smarter.

0:31:38.720 --> 0:31:41.000
<v Speaker 1>I bought all the machines. I didn't need a middleman.

0:31:41.080 --> 0:31:42.880
<v Speaker 1>I didn't need him. I didn't need anyone. I was

0:31:42.920 --> 0:31:48.680
<v Speaker 1>able to do everything myself. So, Um, the last time

0:31:48.720 --> 0:31:51.000
<v Speaker 1>I went to prison, I was like, and I went

0:31:51.040 --> 0:31:54.080
<v Speaker 1>to prison for the stupidest thing ever. I was like,

0:31:54.120 --> 0:31:56.520
<v Speaker 1>you know what, this is not for me. I had

0:31:56.520 --> 0:31:58.920
<v Speaker 1>to tell us to give us the stupidest thing because

0:31:58.920 --> 0:32:01.280
<v Speaker 1>people need to hear it so so we can figure

0:32:01.320 --> 0:32:05.360
<v Speaker 1>out what. So I'm in a restaurant, right, I'm in

0:32:05.360 --> 0:32:09.240
<v Speaker 1>a restaurant, and the people who I was with, these

0:32:09.280 --> 0:32:11.200
<v Speaker 1>are the people that I used to hang out with before,

0:32:11.320 --> 0:32:15.800
<v Speaker 1>who were still in the gate, who were still doing fraud. Um,

0:32:15.920 --> 0:32:20.600
<v Speaker 1>they basically used a credit card two pay for a

0:32:20.640 --> 0:32:24.160
<v Speaker 1>dinner party. The dinner party was like nine thousand dollars.

0:32:24.200 --> 0:32:26.600
<v Speaker 1>They had bottles, they had a bunch of stuff, right,

0:32:27.480 --> 0:32:31.760
<v Speaker 1>nine thousand dollars for this dinner party. And um, what

0:32:31.800 --> 0:32:35.560
<v Speaker 1>they did. Now, I booked the I booked the reservation

0:32:35.880 --> 0:32:38.800
<v Speaker 1>right under my name, my phone number. I didn't I

0:32:38.840 --> 0:32:40.960
<v Speaker 1>thought everybody was gonna pay. I didn't think we were

0:32:40.960 --> 0:32:44.360
<v Speaker 1>gonna like use a credit card for that. So I

0:32:44.400 --> 0:32:50.000
<v Speaker 1>booked everything. And basically they and they had a fight

0:32:50.000 --> 0:32:52.360
<v Speaker 1>in the restaurant, so they like kind of messed up

0:32:52.360 --> 0:32:55.600
<v Speaker 1>the restaurant. The police got involved, they called me, they

0:32:55.640 --> 0:32:59.600
<v Speaker 1>came to my house and arrested me. And now I'm

0:32:59.640 --> 0:33:01.680
<v Speaker 1>not going to be like it wasn't me that used

0:33:01.680 --> 0:33:03.640
<v Speaker 1>the card, it was him. And then on top of that,

0:33:03.680 --> 0:33:05.320
<v Speaker 1>I got a case of not a case. I had

0:33:05.320 --> 0:33:08.960
<v Speaker 1>a prior you know, arrest for the same exact thing.

0:33:09.280 --> 0:33:11.480
<v Speaker 1>It was like, okay, this was her. So I just

0:33:11.520 --> 0:33:14.440
<v Speaker 1>basically had to go in for a violation. I went

0:33:14.480 --> 0:33:17.000
<v Speaker 1>in for a violation because I was on federal probation

0:33:17.120 --> 0:33:20.840
<v Speaker 1>for the last case. So they basically violated me. They

0:33:20.840 --> 0:33:23.959
<v Speaker 1>gave me sixteen months in the arm state. They ran

0:33:24.040 --> 0:33:26.040
<v Speaker 1>a concurrent, and I just had to do the two

0:33:26.040 --> 0:33:28.200
<v Speaker 1>and a half years in the facts and I would

0:33:28.240 --> 0:33:32.840
<v Speaker 1>determinating my probation after So when you came home, you

0:33:32.920 --> 0:33:38.400
<v Speaker 1>said I ain't so while I was inside, I was like,

0:33:38.440 --> 0:33:40.680
<v Speaker 1>you know what this is. I can't live my life

0:33:40.720 --> 0:33:44.320
<v Speaker 1>like this, Like I don't where where am I gonna

0:33:44.360 --> 0:33:46.320
<v Speaker 1>be five years from now? Like when I go home,

0:33:46.360 --> 0:33:48.440
<v Speaker 1>what am I gonna do? Go back into doing credit

0:33:48.440 --> 0:33:50.920
<v Speaker 1>cards for it and be back in jail? Like this

0:33:50.960 --> 0:33:53.320
<v Speaker 1>is just gonna be like consistent, this is gonna be

0:33:53.320 --> 0:33:55.600
<v Speaker 1>my life. I cannot live like this, like this is

0:33:55.640 --> 0:33:59.520
<v Speaker 1>not me like I see so much more for myself,

0:33:59.720 --> 0:34:02.640
<v Speaker 1>you know. And I had to sit there, you know,

0:34:02.720 --> 0:34:06.280
<v Speaker 1>I prayed about it. I meditated, and I just asked, like,

0:34:06.720 --> 0:34:10.239
<v Speaker 1>just give me away, you know, put good people in

0:34:10.280 --> 0:34:12.680
<v Speaker 1>my life, you know, associate me with people that can

0:34:12.719 --> 0:34:17.600
<v Speaker 1>help me. Because I was young and I didn't have

0:34:17.680 --> 0:34:19.759
<v Speaker 1>that guidance. I didn't have a mentor. I didn't have

0:34:19.840 --> 0:34:23.120
<v Speaker 1>somebody that could, you know, help me get to the

0:34:23.160 --> 0:34:25.359
<v Speaker 1>next level or tell me not to do this. This

0:34:25.440 --> 0:34:27.280
<v Speaker 1>is the wrong way, you should do it that way.

0:34:27.520 --> 0:34:30.640
<v Speaker 1>I didn't have that. So going to prison, I met

0:34:30.719 --> 0:34:36.359
<v Speaker 1>some really really great women, you know, who saw more

0:34:36.400 --> 0:34:39.120
<v Speaker 1>in me than I even seen it myself, you know,

0:34:39.239 --> 0:34:41.960
<v Speaker 1>just from conversations, just from you being with this person

0:34:42.080 --> 0:34:46.719
<v Speaker 1>every single day, you know, like um i Usha Whole,

0:34:47.440 --> 0:34:51.319
<v Speaker 1>you know, Jamilla T. Davis, like me being around them.

0:34:51.400 --> 0:34:54.719
<v Speaker 1>They basically helped me. They like, listen, I see so

0:34:54.800 --> 0:34:57.280
<v Speaker 1>much more on you, Like this is not your life.

0:34:57.360 --> 0:34:59.160
<v Speaker 1>You know. I wanted to write a book. I should

0:34:59.160 --> 0:35:01.359
<v Speaker 1>push me. She was like, write it, write it every day.

0:35:01.360 --> 0:35:03.560
<v Speaker 1>I'm like, okay, I'm gonna write it. She was like, listen,

0:35:04.000 --> 0:35:06.960
<v Speaker 1>just write down some notes, give me a bunch of pages,

0:35:07.040 --> 0:35:08.799
<v Speaker 1>and I'm help you write it. So that was like

0:35:08.840 --> 0:35:12.400
<v Speaker 1>the start of it, you know, And I basically wrote

0:35:12.400 --> 0:35:15.280
<v Speaker 1>out a five year plan. I said, I'm not going

0:35:15.360 --> 0:35:19.600
<v Speaker 1>home until this plan is completed, and I'm a follow it.

0:35:19.680 --> 0:35:24.040
<v Speaker 1>And whoever comes in between, whoever comes in between that plan, like,

0:35:24.080 --> 0:35:26.520
<v Speaker 1>they just gotta go, they gotta go. I gotta dismiss

0:35:26.560 --> 0:35:29.840
<v Speaker 1>them from my life. And I was stern about that decision.

0:35:29.840 --> 0:35:32.200
<v Speaker 1>I said, I'm gonna just let go everybody who was

0:35:32.239 --> 0:35:34.600
<v Speaker 1>in my life. Fire who's still doing the same thing.

0:35:35.480 --> 0:35:38.800
<v Speaker 1>No shade, I funk with you all, but from a distance,

0:35:38.880 --> 0:35:41.280
<v Speaker 1>you know what I mean, Because I have to change

0:35:41.280 --> 0:35:45.280
<v Speaker 1>my life. It's no other way. And the association with people,

0:35:45.360 --> 0:35:48.040
<v Speaker 1>that's the first thing that would get you wrapped back up,

0:35:48.640 --> 0:35:50.600
<v Speaker 1>you know. So I just have to disconnect myself. So

0:35:50.600 --> 0:35:53.080
<v Speaker 1>when I came home, I basically just was around my

0:35:53.080 --> 0:35:55.680
<v Speaker 1>prisoners system. You know, people who have gone through the

0:35:55.760 --> 0:35:57.759
<v Speaker 1>same thing. People who don't want to go through that

0:35:57.960 --> 0:36:01.719
<v Speaker 1>go back to people have an experienced prison, they don't

0:36:01.760 --> 0:36:05.480
<v Speaker 1>have anything to They just living at that moment. They

0:36:05.480 --> 0:36:07.560
<v Speaker 1>haven't gone to prison, so they don't know what it's like,

0:36:08.040 --> 0:36:09.480
<v Speaker 1>you know. So I'm like, I have to be with

0:36:09.520 --> 0:36:12.759
<v Speaker 1>people and surround myself with positive people and people who

0:36:12.760 --> 0:36:14.640
<v Speaker 1>have gone through the same things that I went through,

0:36:15.480 --> 0:36:17.200
<v Speaker 1>because they don't want to go back down that road,

0:36:18.320 --> 0:36:20.239
<v Speaker 1>you know, And that's what I did. I didn't let

0:36:20.360 --> 0:36:23.319
<v Speaker 1>nothing coming between that. No, but I don't care if

0:36:23.360 --> 0:36:26.000
<v Speaker 1>I had to live in a shoe box like you,

0:36:26.160 --> 0:36:28.640
<v Speaker 1>was gonna stay on the right track. So how did

0:36:28.640 --> 0:36:32.319
<v Speaker 1>credit repair? I mean, obviously it's natural for you to

0:36:32.400 --> 0:36:36.640
<v Speaker 1>go front because you understand, um know the issues, But

0:36:36.719 --> 0:36:41.240
<v Speaker 1>how did credit repair become the transition? And then also

0:36:43.000 --> 0:36:46.040
<v Speaker 1>have you when you went to court the first time,

0:36:46.360 --> 0:36:49.480
<v Speaker 1>did you ever have to face any of the individuals

0:36:49.560 --> 0:36:56.080
<v Speaker 1>that you had frauded? No, Okay, it was so many,

0:36:56.160 --> 0:37:01.120
<v Speaker 1>but no, I'm so happy I have it because, you know,

0:37:01.280 --> 0:37:05.160
<v Speaker 1>after knowing what this is, this is an issue that

0:37:05.239 --> 0:37:07.600
<v Speaker 1>happened to me when I was in prison. I called

0:37:07.640 --> 0:37:12.560
<v Speaker 1>home to my grandmother and she was about seventy at

0:37:12.600 --> 0:37:16.600
<v Speaker 1>this time. Now she's like, baby, I'm you know, I'm

0:37:16.680 --> 0:37:20.000
<v Speaker 1>I'm so sad. Someone used my credit card and I've

0:37:20.000 --> 0:37:23.400
<v Speaker 1>been fighting with the bank for the past six months

0:37:23.960 --> 0:37:27.319
<v Speaker 1>and right now I have no money. You know, I

0:37:27.360 --> 0:37:31.520
<v Speaker 1>don't have anything. You know, they took uh seventeen dollars

0:37:31.560 --> 0:37:34.319
<v Speaker 1>from me and you know, I don't have no money.

0:37:34.320 --> 0:37:37.560
<v Speaker 1>The bank has given me a hard time returning the money.

0:37:37.880 --> 0:37:41.560
<v Speaker 1>I'm like, real, yo, So that hey home, I was like,

0:37:41.600 --> 0:37:47.120
<v Speaker 1>oh my god, Like they're real people. Yeah, yeah, these

0:37:47.160 --> 0:37:49.719
<v Speaker 1>are real people. Like I don't know what the issue was,

0:37:49.800 --> 0:37:52.799
<v Speaker 1>but what the circumstances were in their life, I could

0:37:52.840 --> 0:37:56.719
<v Speaker 1>have just you know, mess something up. Like And then

0:37:56.760 --> 0:37:59.839
<v Speaker 1>that was basically when she spoke to me and told

0:37:59.840 --> 0:38:02.200
<v Speaker 1>me at I was like, Wow, this came at the

0:38:02.280 --> 0:38:05.240
<v Speaker 1>right time. This actually came during the time I said

0:38:05.600 --> 0:38:08.359
<v Speaker 1>I need to do this five year plan because this

0:38:08.400 --> 0:38:10.440
<v Speaker 1>is what I'm a following. I got that. I pulled

0:38:10.520 --> 0:38:13.200
<v Speaker 1>home and that's the that was a conversation. Like that

0:38:13.239 --> 0:38:16.120
<v Speaker 1>was confirmation for me. You know, I was like, wow,

0:38:16.560 --> 0:38:22.120
<v Speaker 1>I can't come back here. So you got into credit repair. Yes.

0:38:22.360 --> 0:38:25.400
<v Speaker 1>So when I came home, the transition wasn't easy, you

0:38:25.400 --> 0:38:29.359
<v Speaker 1>know it was. It was hard, um, especially coming from

0:38:29.400 --> 0:38:32.439
<v Speaker 1>having so much, you know, at so young, and then

0:38:32.480 --> 0:38:36.520
<v Speaker 1>you coming home and you have to like rely on people. Um.

0:38:36.560 --> 0:38:38.960
<v Speaker 1>Even though I had my daughter's father, he was dead

0:38:39.000 --> 0:38:43.759
<v Speaker 1>for me, um tremendously. But I'm very independent, you know

0:38:43.800 --> 0:38:46.239
<v Speaker 1>what I mean. And I like to do things on

0:38:46.280 --> 0:38:48.239
<v Speaker 1>my own. I like to help. I'm I'm the giver,

0:38:48.440 --> 0:38:50.800
<v Speaker 1>like I like to give people. You know, people around

0:38:50.800 --> 0:38:53.600
<v Speaker 1>me and you know, so coming home, I was like,

0:38:53.640 --> 0:38:55.760
<v Speaker 1>the first thing I need to do is fix my credit.

0:38:55.800 --> 0:38:58.080
<v Speaker 1>I learned about credit while I was in prison. I

0:38:58.120 --> 0:39:00.600
<v Speaker 1>didn't know anything about credit, you know. I learned how

0:39:00.600 --> 0:39:02.520
<v Speaker 1>important credit was. I got a bunch of credit for

0:39:02.560 --> 0:39:05.160
<v Speaker 1>dummy books. But at that time, it wasn't for me

0:39:05.239 --> 0:39:06.960
<v Speaker 1>to fix people. Credit was for me to work on

0:39:07.000 --> 0:39:09.880
<v Speaker 1>my credit. Because I said, what I'll do is, you know,

0:39:10.000 --> 0:39:11.759
<v Speaker 1>work on my credit and use that to start my

0:39:11.840 --> 0:39:14.040
<v Speaker 1>hair company, or use that to start whatever company it

0:39:14.120 --> 0:39:16.120
<v Speaker 1>is that I want to do. So when I came home,

0:39:16.200 --> 0:39:18.000
<v Speaker 1>I did that, worked on my credit, got a bunch

0:39:18.040 --> 0:39:21.440
<v Speaker 1>of credit cards. And how we started doing credit repair

0:39:21.680 --> 0:39:25.759
<v Speaker 1>was um. I came home about I want to say,

0:39:25.960 --> 0:39:30.560
<v Speaker 1>a year before Aisha, and when she came home one day,

0:39:30.640 --> 0:39:33.240
<v Speaker 1>she was um. She had a bunch of Western Union

0:39:33.360 --> 0:39:36.440
<v Speaker 1>papers like sheets to send out money. Mind and she

0:39:36.560 --> 0:39:39.200
<v Speaker 1>just came home. She didn't have no money. So I'm like, Aisha,

0:39:39.239 --> 0:39:41.200
<v Speaker 1>what are you doing? She's like, I mean, I don't

0:39:41.239 --> 0:39:43.320
<v Speaker 1>have money, but I'm just sending the girls thirty dollars

0:39:43.320 --> 0:39:46.920
<v Speaker 1>each because I promised that to that. I'm like, I know,

0:39:47.040 --> 0:39:49.160
<v Speaker 1>but you don't have it, Like you gotta give yourself

0:39:49.200 --> 0:39:52.120
<v Speaker 1>together first and then you could give you know, because

0:39:52.120 --> 0:39:54.279
<v Speaker 1>you're taken from yourself. And she's like, I know, but

0:39:54.360 --> 0:39:58.120
<v Speaker 1>I promised them. I'm like, so listen, you taught me

0:39:58.160 --> 0:40:00.520
<v Speaker 1>how to fix She taught me how to fix my credit. Actually,

0:40:00.520 --> 0:40:02.279
<v Speaker 1>when I came home, I'm like, you told me how

0:40:02.280 --> 0:40:05.040
<v Speaker 1>to fix my credit. Why don't we teach fix the

0:40:05.080 --> 0:40:07.840
<v Speaker 1>girl's credit that's coming home because these girls are about

0:40:07.840 --> 0:40:09.680
<v Speaker 1>to come home. It was like six of them, they're

0:40:09.680 --> 0:40:10.840
<v Speaker 1>about to come home, and I said, why don't we

0:40:10.880 --> 0:40:13.239
<v Speaker 1>fix their credit to give them something for when they

0:40:13.280 --> 0:40:15.319
<v Speaker 1>come home? Because it was extremely hard for me to

0:40:15.360 --> 0:40:18.800
<v Speaker 1>come home to um, you know, adapt back into society,

0:40:18.960 --> 0:40:20.880
<v Speaker 1>not having the things that I used to have. But

0:40:21.120 --> 0:40:23.680
<v Speaker 1>my credit is really what helped me because I got

0:40:23.680 --> 0:40:26.200
<v Speaker 1>that first credit card for ten thousand, I was able

0:40:26.239 --> 0:40:28.160
<v Speaker 1>to use that and flip it, you know what I mean.

0:40:28.200 --> 0:40:30.720
<v Speaker 1>Maybe they could do the same thing. So this dirty

0:40:30.719 --> 0:40:33.040
<v Speaker 1>dollars is cool for now, but let's give them something

0:40:33.040 --> 0:40:36.279
<v Speaker 1>that's longevity, you know. So we fixed their credit. With

0:40:36.360 --> 0:40:37.960
<v Speaker 1>six of them, we fixed their credit. We sent them

0:40:38.000 --> 0:40:40.600
<v Speaker 1>their credit report. They were so happy. One of the

0:40:40.680 --> 0:40:43.440
<v Speaker 1>girls actually came home opened up a host fall like

0:40:43.560 --> 0:40:46.480
<v Speaker 1>she's doing really well. Other ones do lashes and the

0:40:46.719 --> 0:40:50.319
<v Speaker 1>other one has a real estate company. So they think

0:40:50.440 --> 0:40:53.120
<v Speaker 1>us even to this day because we helped them while

0:40:53.160 --> 0:40:55.200
<v Speaker 1>they were in prison. But I knew how hard it

0:40:55.280 --> 0:40:57.960
<v Speaker 1>was for me coming home, so I wanted to do

0:40:58.040 --> 0:41:00.439
<v Speaker 1>anything to help somebody because I wish I I've got

0:41:00.520 --> 0:41:04.319
<v Speaker 1>you know what I mean. So um, the girls told

0:41:04.360 --> 0:41:08.040
<v Speaker 1>their husbands, told their sisters, brothers, cousin, so anybody just

0:41:08.040 --> 0:41:10.560
<v Speaker 1>started calling us. This is before we even had a

0:41:10.560 --> 0:41:13.440
<v Speaker 1>credit repair company. We didn't even think to do credit repair. Like.

0:41:13.680 --> 0:41:15.360
<v Speaker 1>We were just doing it to help them and to

0:41:15.400 --> 0:41:18.040
<v Speaker 1>help ourselves. And people just was calling us to fix

0:41:18.120 --> 0:41:20.640
<v Speaker 1>their credit and we started like that and it just

0:41:20.680 --> 0:41:24.360
<v Speaker 1>be crame came crazy. Before we even posted it on Instagram.

0:41:24.400 --> 0:41:27.439
<v Speaker 1>We were getting calls and we just use that as

0:41:27.440 --> 0:41:29.880
<v Speaker 1>our money. We was like, okay, well this is a

0:41:29.920 --> 0:41:33.400
<v Speaker 1>full flash company, Like let's do it. You know. I

0:41:33.440 --> 0:41:35.719
<v Speaker 1>just want to say I want to commend y'all man

0:41:35.760 --> 0:41:39.000
<v Speaker 1>shout out to shout out to you just just watching here,

0:41:39.040 --> 0:41:42.399
<v Speaker 1>y'all motivating you know, sometimes I go on Instagram while

0:41:42.400 --> 0:41:45.040
<v Speaker 1>I see y'all shows. I'll be watching y'all and and

0:41:45.040 --> 0:41:48.720
<v Speaker 1>I understand your struggle coming from prison, not having nothing,

0:41:49.080 --> 0:41:52.280
<v Speaker 1>and to see y'all just come home with this energy,

0:41:52.520 --> 0:41:57.600
<v Speaker 1>you know, just seeing y'all together, moving together, consistent, persistent,

0:41:58.040 --> 0:41:59.839
<v Speaker 1>and just growing every day. I just want to say

0:41:59.840 --> 0:42:01.600
<v Speaker 1>I commend you because a lot of people don't believe

0:42:01.640 --> 0:42:05.520
<v Speaker 1>that a lot of people think you're incarcerated, your formedly incarcerated,

0:42:05.800 --> 0:42:08.600
<v Speaker 1>that your life is over, You're not supposed to do nothing,

0:42:08.640 --> 0:42:12.080
<v Speaker 1>you're gonna do nothing, and you women defy that every day.

0:42:12.480 --> 0:42:14.719
<v Speaker 1>So just I just want to say thank you for

0:42:14.880 --> 0:42:18.960
<v Speaker 1>doing because it's motivational to more people than you actually

0:42:19.000 --> 0:42:22.160
<v Speaker 1>even know. Thank you. I appreciate that. And it's like

0:42:22.520 --> 0:42:25.279
<v Speaker 1>coming home from prison, you know, you you look at

0:42:25.320 --> 0:42:28.520
<v Speaker 1>what other people have, you know, and you're like, you're

0:42:28.560 --> 0:42:31.640
<v Speaker 1>so used to having that, and it's really really hard

0:42:31.760 --> 0:42:34.120
<v Speaker 1>to stay on track. You know. You gotta be really

0:42:34.239 --> 0:42:38.400
<v Speaker 1>strong minded. And I think that's what helped me because

0:42:38.480 --> 0:42:42.759
<v Speaker 1>I was determined to do the right thing. I didn't

0:42:42.840 --> 0:42:45.520
<v Speaker 1>want to look over my shoulders anymore. Like that life

0:42:45.600 --> 0:42:48.719
<v Speaker 1>became like crazy, like I'm driving and I'm looking back,

0:42:48.920 --> 0:42:51.960
<v Speaker 1>like to make sure nobody's behind me and nobody's following me. Like,

0:42:52.040 --> 0:42:54.000
<v Speaker 1>I don't want to live like that my whole life.

0:42:54.080 --> 0:42:56.560
<v Speaker 1>You know, it gets like when do you really say

0:42:56.920 --> 0:43:00.800
<v Speaker 1>enough is enough? You know, like it's really hard, especially

0:43:01.440 --> 0:43:06.160
<v Speaker 1>when you keep surrounding yourself around the same individuals. Like

0:43:06.280 --> 0:43:08.120
<v Speaker 1>that was the first step for me. I had to

0:43:08.239 --> 0:43:11.200
<v Speaker 1>let go, Like I still speak to people like from

0:43:11.239 --> 0:43:13.960
<v Speaker 1>a distance, don't hang out with them, don't call them,

0:43:14.000 --> 0:43:16.520
<v Speaker 1>but if I see them, hello, But I just had

0:43:16.600 --> 0:43:18.600
<v Speaker 1>to let go. It was no other way. Oh, I

0:43:18.640 --> 0:43:20.399
<v Speaker 1>would have been wrapped right back up in that same

0:43:20.440 --> 0:43:23.480
<v Speaker 1>thing because they're doing the same exact thing. You know,

0:43:24.560 --> 0:43:27.600
<v Speaker 1>I want to join. I want to join my son

0:43:27.719 --> 0:43:30.920
<v Speaker 1>and saying that it's very inspirational. Listen to your story.

0:43:31.400 --> 0:43:35.040
<v Speaker 1>You know, all of us as um, not all of us,

0:43:35.160 --> 0:43:38.120
<v Speaker 1>but most of us who are black folks that or

0:43:38.239 --> 0:43:41.640
<v Speaker 1>people in general who live in the world know somebody

0:43:41.760 --> 0:43:45.359
<v Speaker 1>who got caught up right, But oftentimes we don't find

0:43:45.440 --> 0:43:48.239
<v Speaker 1>people who were able to turn their lives around and

0:43:48.400 --> 0:43:53.520
<v Speaker 1>be as progressive, as beautiful, you know, as inspirational as

0:43:53.640 --> 0:43:56.279
<v Speaker 1>you are. And so I'm really happy to hear it.

0:43:56.360 --> 0:43:58.520
<v Speaker 1>At a story that could have gone in a total

0:43:58.600 --> 0:44:01.680
<v Speaker 1>different direction. It win in the right direction, and that

0:44:01.800 --> 0:44:04.560
<v Speaker 1>you are now an inspiration for others. So I just

0:44:05.080 --> 0:44:08.319
<v Speaker 1>also want to give your flowers and you know, give

0:44:08.400 --> 0:44:10.800
<v Speaker 1>and and really just encourage you to stay on the

0:44:10.920 --> 0:44:13.760
<v Speaker 1>right track. Right like we it's a it's a office

0:44:13.880 --> 0:44:16.880
<v Speaker 1>for each one of us every day to talk to

0:44:17.000 --> 0:44:20.120
<v Speaker 1>ourselves to say, you know, don't go out and slap

0:44:20.239 --> 0:44:23.040
<v Speaker 1>the lady who got on our nerves. You know, don't

0:44:23.120 --> 0:44:25.680
<v Speaker 1>go out and you know and and do something that

0:44:25.800 --> 0:44:29.120
<v Speaker 1>could ruin our lives. And so just that encouragement for

0:44:29.200 --> 0:44:33.880
<v Speaker 1>you before you go, tell us what people need to

0:44:34.000 --> 0:44:36.920
<v Speaker 1>be looking for. We just came out the holiday season,

0:44:37.400 --> 0:44:40.440
<v Speaker 1>and I know, even with me, I have to force myself.

0:44:40.520 --> 0:44:42.120
<v Speaker 1>You know, there was a point in my life where

0:44:42.120 --> 0:44:44.200
<v Speaker 1>I didn't really have anything. So I knew if two

0:44:44.280 --> 0:44:47.040
<v Speaker 1>dollars was missing off the back, because you know, it

0:44:47.120 --> 0:44:49.160
<v Speaker 1>was nothing in there. You have force collars and all

0:44:49.200 --> 0:44:51.680
<v Speaker 1>of a sudden, I'm trying to spend thirteen and it

0:44:51.840 --> 0:44:55.640
<v Speaker 1>says that is declined. I'm like, yo, what happened? I

0:44:55.800 --> 0:44:59.880
<v Speaker 1>know this is bad, But now that you know I

0:45:00.080 --> 0:45:04.840
<v Speaker 1>have more resources, I have to always check every line

0:45:05.120 --> 0:45:08.319
<v Speaker 1>of my statement to see where my money is going

0:45:08.400 --> 0:45:11.279
<v Speaker 1>and coming. And another thing that I found, Um, I'm

0:45:11.440 --> 0:45:14.239
<v Speaker 1>I'm gonna send things back person, So I ordered because

0:45:14.560 --> 0:45:17.320
<v Speaker 1>I really like to shop in the store, but clearly

0:45:17.600 --> 0:45:20.440
<v Speaker 1>they've taken all this good stuff out the stores and

0:45:20.520 --> 0:45:24.960
<v Speaker 1>everything mine. So when you send things back, you have

0:45:25.160 --> 0:45:28.080
<v Speaker 1>to monitor whether or not that money came back into

0:45:28.200 --> 0:45:31.880
<v Speaker 1>your account from the views, because it doesn't just show up.

0:45:31.960 --> 0:45:34.560
<v Speaker 1>You have to actually know your money in order to

0:45:35.000 --> 0:45:38.400
<v Speaker 1>true now. So these are things that as I'm getting older,

0:45:38.480 --> 0:45:40.960
<v Speaker 1>I'm trying to actually pay attention to. So tell us

0:45:41.040 --> 0:45:43.080
<v Speaker 1>what are things we need to be you know, looking for.

0:45:44.560 --> 0:45:49.440
<v Speaker 1>So you definitely have to have. There's something you can

0:45:49.520 --> 0:45:52.840
<v Speaker 1>put on each credit card basically, you know, when you

0:45:53.000 --> 0:45:55.919
<v Speaker 1>call up your credit card company, you can tell them

0:45:55.960 --> 0:45:58.680
<v Speaker 1>that you want to put alerts on and what those alerts.

0:45:58.840 --> 0:46:02.040
<v Speaker 1>What it does is like it it basically it knows

0:46:02.160 --> 0:46:04.440
<v Speaker 1>how you use that card, and if it's something out

0:46:04.520 --> 0:46:06.320
<v Speaker 1>of the ordinary, it will alert you or send you

0:46:06.400 --> 0:46:08.600
<v Speaker 1>a text and say, hey, is this you using your card?

0:46:08.840 --> 0:46:13.680
<v Speaker 1>Yes and no? Like that's extremely important to have. Um too,

0:46:13.880 --> 0:46:18.080
<v Speaker 1>when you receive those emails that says that your email address,

0:46:18.120 --> 0:46:21.920
<v Speaker 1>your password has been compromised. Change it immediately because a

0:46:22.000 --> 0:46:23.640
<v Speaker 1>lot of times what the hack is what they do

0:46:23.840 --> 0:46:26.279
<v Speaker 1>is they'll take your information and they won't use it

0:46:26.400 --> 0:46:28.800
<v Speaker 1>right then and there. They'll hold onto it. You know,

0:46:29.000 --> 0:46:30.960
<v Speaker 1>they'll wait a couple of months down a line where

0:46:31.000 --> 0:46:33.239
<v Speaker 1>you're not thinking about it, and then they'll that's when

0:46:33.280 --> 0:46:36.839
<v Speaker 1>they're going and use it. You know, UM check your

0:46:36.880 --> 0:46:39.520
<v Speaker 1>credit report. You you can get one free credit report

0:46:39.600 --> 0:46:43.919
<v Speaker 1>a year. Check it. It's important. Credit Comma is free.

0:46:44.320 --> 0:46:47.400
<v Speaker 1>You know, look at the increase. Would you also pay? Like,

0:46:47.520 --> 0:46:49.920
<v Speaker 1>would you suggest? Because you know, we love free, but

0:46:50.080 --> 0:46:53.720
<v Speaker 1>sometimes free is not going to be like the indoor

0:46:53.800 --> 0:46:55.799
<v Speaker 1>be all and we should actually be paying that nine

0:46:56.960 --> 0:47:00.040
<v Speaker 1>or whatever to get the credit report, like you a

0:47:00.200 --> 0:47:04.319
<v Speaker 1>your four nine for your Netflix and all those other things. Right,

0:47:04.400 --> 0:47:07.200
<v Speaker 1>I was, yeah, I was definitely gonna say that. Identity

0:47:07.320 --> 0:47:10.399
<v Speaker 1>i Q is a really good one. You know, it's

0:47:10.600 --> 0:47:14.880
<v Speaker 1>twenty seven or ninety nine. But it's important because not

0:47:15.120 --> 0:47:19.000
<v Speaker 1>only do they send you alert, they monitor everything and

0:47:19.600 --> 0:47:22.719
<v Speaker 1>they'll send you twenty five emails a day telling you

0:47:22.800 --> 0:47:25.120
<v Speaker 1>about your credit Like you know, this is out of

0:47:25.200 --> 0:47:28.239
<v Speaker 1>the ordinary. Your email was compromised, Like it gives you

0:47:28.400 --> 0:47:30.719
<v Speaker 1>all of the allerts and that you have to pay

0:47:30.760 --> 0:47:34.200
<v Speaker 1>attention to because it's so easy right now for people

0:47:34.239 --> 0:47:37.520
<v Speaker 1>to access your information. You think your passport and especially

0:47:37.760 --> 0:47:41.680
<v Speaker 1>if you're someone who use one passport for everything, switch

0:47:41.719 --> 0:47:45.640
<v Speaker 1>it up. Don't do that. Don't use the same passport

0:47:45.719 --> 0:47:48.640
<v Speaker 1>for every card or for your cell phone, like, because

0:47:48.719 --> 0:47:51.480
<v Speaker 1>once they have that one a hacker, they're gonna check

0:47:51.520 --> 0:47:53.520
<v Speaker 1>and see if you know the rest of your information

0:47:53.640 --> 0:47:55.600
<v Speaker 1>is with that same passport. And I know I'm guilty

0:47:55.640 --> 0:47:58.560
<v Speaker 1>of that. You know, I'm guilty of using one password.

0:47:58.640 --> 0:48:01.440
<v Speaker 1>But now that I know how they do it, I

0:48:01.560 --> 0:48:03.880
<v Speaker 1>switch it up. You know, even if you add a

0:48:04.000 --> 0:48:08.480
<v Speaker 1>money sign or uh eurency anything, just anything, just switch

0:48:08.560 --> 0:48:13.800
<v Speaker 1>it up. That's important. So you have um a credit

0:48:13.880 --> 0:48:17.560
<v Speaker 1>company and you do credit repair. What is your company's name?

0:48:17.880 --> 0:48:20.439
<v Speaker 1>How can we find you? We need everybody to reach

0:48:20.520 --> 0:48:22.600
<v Speaker 1>out to you so we can get you some customers

0:48:23.080 --> 0:48:27.640
<v Speaker 1>so we can be credit literate. You have our credit fixed? Yes?

0:48:27.840 --> 0:48:31.879
<v Speaker 1>So my name on Instagram is Wanna Got Class at

0:48:31.920 --> 0:48:34.239
<v Speaker 1>Wanna Got Class. The name of my company is called

0:48:34.320 --> 0:48:37.760
<v Speaker 1>the Real Credit Pro. That's on Instagram. You can also

0:48:37.840 --> 0:48:40.600
<v Speaker 1>go to the real credit pro dot com. You can

0:48:40.680 --> 0:48:44.520
<v Speaker 1>also find me on Shawanna King dot com. Um, you know,

0:48:44.640 --> 0:48:47.200
<v Speaker 1>you can hit me up anything that you need credit related.

0:48:47.280 --> 0:48:52.040
<v Speaker 1>I got you. Um. We are extremely affordable by people,

0:48:52.320 --> 0:48:57.040
<v Speaker 1>you know, and for ninety nine, basically we'll remove all

0:48:57.120 --> 0:48:59.919
<v Speaker 1>of the derogatory accouncil of your credit. Anything that's mega

0:49:00.239 --> 0:49:04.840
<v Speaker 1>your credit, we'll get it off. Yeah. Listen, you know

0:49:05.000 --> 0:49:09.560
<v Speaker 1>all about the second chance your credit. You can fix it,

0:49:09.719 --> 0:49:11.800
<v Speaker 1>you know, and you have a second chance like I

0:49:12.320 --> 0:49:16.640
<v Speaker 1>just I'm a strong believer in second chances. Ye, definitely

0:49:16.719 --> 0:49:18.520
<v Speaker 1>we need you know. That was one of the things

0:49:18.560 --> 0:49:21.080
<v Speaker 1>when I came home. I don't even understand credit. I

0:49:21.120 --> 0:49:23.239
<v Speaker 1>didn't know none of that, and I got somebody that

0:49:23.320 --> 0:49:25.560
<v Speaker 1>got me in tune with it and realized how you

0:49:25.640 --> 0:49:28.520
<v Speaker 1>can't even live without credit, right, you know, it's pretty

0:49:28.600 --> 0:49:32.000
<v Speaker 1>much you can't do nothing. So this is definitely a

0:49:32.120 --> 0:49:35.719
<v Speaker 1>service that's needed, especially for returning citizens. You know, they're

0:49:35.760 --> 0:49:39.080
<v Speaker 1>coming back trying to be productive and evolvement. So thank

0:49:39.120 --> 0:49:42.680
<v Speaker 1>you for your work, Thank you for your evolution. Continue

0:49:42.760 --> 0:49:48.480
<v Speaker 1>to be great, looking great. Thank you all of y'all. Man,

0:49:48.600 --> 0:49:52.120
<v Speaker 1>just keep being dope. Man so much for having me.

0:49:52.200 --> 0:49:54.840
<v Speaker 1>I really appreciate it. Yeah, we got We'll have you

0:49:54.960 --> 0:49:57.600
<v Speaker 1>back again. Thank you so much. Guys, thank you to

0:49:57.719 --> 0:50:01.040
<v Speaker 1>make that thank you, my son, thank you in you too,

0:50:04.200 --> 0:50:07.320
<v Speaker 1>I mean, really really important information and to hear it

0:50:07.480 --> 0:50:10.880
<v Speaker 1>wrapped in a real story like she's trying to, you know,

0:50:10.920 --> 0:50:13.719
<v Speaker 1>because sometimes we as black folks, we'd be like, oh,

0:50:14.000 --> 0:50:16.120
<v Speaker 1>nobody got time for that. I don't have no money.

0:50:16.440 --> 0:50:19.960
<v Speaker 1>But she's trying to tell you that you can actually

0:50:20.360 --> 0:50:23.439
<v Speaker 1>the credit you don't think you can get. She could

0:50:23.560 --> 0:50:27.520
<v Speaker 1>have been able to increase the limit, get more money

0:50:27.600 --> 0:50:30.320
<v Speaker 1>on your card, use it in a way that you

0:50:30.440 --> 0:50:33.359
<v Speaker 1>don't even know how. Because these people are actual professionals.

0:50:33.440 --> 0:50:38.000
<v Speaker 1>There's somebody sitting in another country working on increasing your

0:50:38.080 --> 0:50:41.080
<v Speaker 1>limit right now, making sure like somebody trying to call

0:50:41.160 --> 0:50:44.040
<v Speaker 1>me the other day, they were actually trying to get

0:50:44.200 --> 0:50:48.480
<v Speaker 1>into my Verizon account and having Verizon send me the

0:50:48.600 --> 0:50:50.600
<v Speaker 1>alert that if I would have clicked it, it would

0:50:50.640 --> 0:50:53.360
<v Speaker 1>have allowed them to get in. They probably would have

0:50:53.560 --> 0:50:58.080
<v Speaker 1>ordered cell phones, worked out a deal, all kinds of

0:50:58.200 --> 0:51:00.759
<v Speaker 1>things that they know how to do, and so we

0:51:00.880 --> 0:51:04.359
<v Speaker 1>have to actually pay attention I right now. The thing

0:51:04.480 --> 0:51:07.719
<v Speaker 1>that drive that I just don't understand is why if

0:51:07.880 --> 0:51:10.719
<v Speaker 1>somebody sends you a d M on cash app and

0:51:10.840 --> 0:51:14.040
<v Speaker 1>tells you to send me five hundred dollars a thousand

0:51:14.120 --> 0:51:16.760
<v Speaker 1>dollars and you know the person has your telephone number.

0:51:17.200 --> 0:51:21.320
<v Speaker 1>Why do people do that? Because sometimes you just be comfortable.

0:51:21.360 --> 0:51:23.520
<v Speaker 1>Somebody got me for like fifty dollars one time because

0:51:23.520 --> 0:51:26.120
<v Speaker 1>it was somebody that I don't normally talk to that

0:51:26.239 --> 0:51:28.799
<v Speaker 1>I might just see on Instagram a lot. That's cool

0:51:28.840 --> 0:51:31.320
<v Speaker 1>with me, and it was like, hey, I need a favor?

0:51:31.400 --> 0:51:33.440
<v Speaker 1>Can you let me fifty dollars? Now? Fifty dollars? You're

0:51:33.480 --> 0:51:35.680
<v Speaker 1>not even thinking about it. You're like, okay, if they're

0:51:35.680 --> 0:51:37.920
<v Speaker 1>seeing your DM. But if you asked me for five

0:51:38.040 --> 0:51:39.800
<v Speaker 1>hundred dollars and you got my phone number and you

0:51:39.960 --> 0:51:41.719
<v Speaker 1>DM and me, then that's a real issue for me.

0:51:42.040 --> 0:51:45.080
<v Speaker 1>So I think for me, fifty dollars was like alright, cool,

0:51:45.360 --> 0:51:47.440
<v Speaker 1>and I wasn't even thinking about it. And then by

0:51:47.440 --> 0:51:49.320
<v Speaker 1>the time I figured out I thought about it, I'm like,

0:51:49.640 --> 0:51:51.560
<v Speaker 1>you know, did you send me this? And it's like no,

0:51:52.080 --> 0:51:54.399
<v Speaker 1>my thing was happed, So you know, it's it's it's

0:51:54.440 --> 0:52:00.360
<v Speaker 1>it's a quick scheme. Dollars am I sending you? Not

0:52:00.680 --> 0:52:05.520
<v Speaker 1>even fifty? Not even five dollars? Will I send to

0:52:05.719 --> 0:52:07.960
<v Speaker 1>somebody that sends me a d M? You have to

0:52:08.040 --> 0:52:10.960
<v Speaker 1>ask me for my phone number and then we will

0:52:11.000 --> 0:52:12.920
<v Speaker 1>speak on the telephone and you can tell me what

0:52:13.080 --> 0:52:16.560
<v Speaker 1>your problems. I'm just I'm just not gonna do I mean, listen,

0:52:17.280 --> 0:52:20.040
<v Speaker 1>I learned the hallway. I agree with you that from

0:52:20.040 --> 0:52:25.680
<v Speaker 1>no one not even find out you got. Everything that

0:52:25.760 --> 0:52:28.480
<v Speaker 1>Shawanna was talking about is so important because it was

0:52:28.520 --> 0:52:31.279
<v Speaker 1>really technical in terms of what to look for, in

0:52:31.480 --> 0:52:34.279
<v Speaker 1>terms of how people get in trapped right and how

0:52:34.360 --> 0:52:37.040
<v Speaker 1>they get caught up in the system. You know, she's

0:52:37.080 --> 0:52:39.920
<v Speaker 1>done prison time for this, so she's really truly an

0:52:40.000 --> 0:52:42.920
<v Speaker 1>expert that people need to be listening to. But the

0:52:43.000 --> 0:52:47.440
<v Speaker 1>fact that she took that experience and turned it into

0:52:47.600 --> 0:52:50.919
<v Speaker 1>something that's positive for our communities is really important because

0:52:51.000 --> 0:52:53.840
<v Speaker 1>she's got a lot of give back that she needs

0:52:53.920 --> 0:52:57.160
<v Speaker 1>to do to repair um and and just to to

0:52:57.520 --> 0:52:59.960
<v Speaker 1>to to hear herself from the trauma that has been

0:53:00.160 --> 0:53:03.560
<v Speaker 1>cause to others in the prison time. But now we're

0:53:03.600 --> 0:53:06.279
<v Speaker 1>talking to someone who is sort of on the other

0:53:06.480 --> 0:53:11.279
<v Speaker 1>side of the conversation. Um a financial expert. She is

0:53:11.520 --> 0:53:15.520
<v Speaker 1>an author of two books, Financial Fornication and The Four

0:53:15.719 --> 0:53:20.120
<v Speaker 1>Financial Languages. They call her Madam Money. Thank you so

0:53:20.280 --> 0:53:23.760
<v Speaker 1>much for being with us. Tara Jackson not of money.

0:53:24.120 --> 0:53:27.200
<v Speaker 1>That's now, that's the name queen. I appreciate that name. Man.

0:53:27.800 --> 0:53:30.440
<v Speaker 1>Thank you for being here with us today. My pleasure,

0:53:30.560 --> 0:53:35.239
<v Speaker 1>my pleasure. So give us give us some insight on

0:53:35.440 --> 0:53:38.560
<v Speaker 1>what exactly you do. How did you start on this

0:53:38.960 --> 0:53:42.640
<v Speaker 1>road to being matter money? You know? You how long

0:53:42.719 --> 0:53:45.480
<v Speaker 1>you've been doing this for twenty plus years? Like, how

0:53:45.520 --> 0:53:48.680
<v Speaker 1>did this start? Yeah, I've been in the financial services

0:53:48.760 --> 0:53:52.600
<v Speaker 1>game for over twenty years, which completely lies about my age. Yeah,

0:53:52.640 --> 0:53:57.040
<v Speaker 1>I'm only sixteen for the it's eleventh time whatever or

0:53:58.040 --> 0:54:02.600
<v Speaker 1>eleventh time. UM. I started off in the credit card industry.

0:54:02.680 --> 0:54:05.720
<v Speaker 1>I was a telemarketer, uh, and I sold credit cards

0:54:05.840 --> 0:54:10.440
<v Speaker 1>very well with eight and forty dollar annual UM annual

0:54:10.520 --> 0:54:13.720
<v Speaker 1>fees and I was the queen of selling credit cards

0:54:13.880 --> 0:54:16.960
<v Speaker 1>over the phone. Um. But I decided to stay in

0:54:17.120 --> 0:54:20.440
<v Speaker 1>the game because being a telemarketer helped me to get

0:54:20.480 --> 0:54:23.160
<v Speaker 1>the extra money while I was in college. And then

0:54:23.239 --> 0:54:25.960
<v Speaker 1>I started learning the business, started learning credit and then

0:54:25.960 --> 0:54:28.120
<v Speaker 1>I started, you know, got job as a loan officer,

0:54:28.760 --> 0:54:32.320
<v Speaker 1>and I just matriculated in the financial services industry. I

0:54:32.400 --> 0:54:35.520
<v Speaker 1>really it wasn't my you know, lifelong dream to be

0:54:35.680 --> 0:54:38.440
<v Speaker 1>in the financial services industry. I just ended there because

0:54:38.440 --> 0:54:41.839
<v Speaker 1>I wanted the money UM, and it was a legal

0:54:42.280 --> 0:54:44.319
<v Speaker 1>way for me to do it and to learn the game,

0:54:44.480 --> 0:54:47.719
<v Speaker 1>because what I realized with the financial services industry is

0:54:47.800 --> 0:54:51.160
<v Speaker 1>that banks are playing chess, the consumers are playing checkers.

0:54:51.560 --> 0:54:54.640
<v Speaker 1>That's why a lot of consumers getting played because they

0:54:54.760 --> 0:54:57.359
<v Speaker 1>just don't understand the game of it. So I wanted

0:54:57.400 --> 0:55:00.920
<v Speaker 1>to learn the game, and I've been criculated up to

0:55:01.400 --> 0:55:03.959
<v Speaker 1>I was a VP of lending of a credit union

0:55:04.120 --> 0:55:07.759
<v Speaker 1>in Delaware, ended up being the vice president UM of

0:55:07.840 --> 0:55:10.680
<v Speaker 1>a credit union and then the interim president CEO of

0:55:10.760 --> 0:55:14.319
<v Speaker 1>the credit union in Atlanta, Georgia. And while I was there,

0:55:14.440 --> 0:55:17.040
<v Speaker 1>I just realized that UM I wanted to start giving

0:55:17.120 --> 0:55:21.080
<v Speaker 1>back to the community and I and teach them the game.

0:55:21.160 --> 0:55:24.359
<v Speaker 1>So I wrote the book Financial Fornication. And the reason

0:55:24.440 --> 0:55:27.120
<v Speaker 1>why I call that financial fornication is because people were

0:55:27.160 --> 0:55:30.080
<v Speaker 1>okay about talking about sex, who they slept with, who

0:55:30.120 --> 0:55:31.839
<v Speaker 1>they wanted to sleep with, and all of that stuff,

0:55:31.880 --> 0:55:34.800
<v Speaker 1>but nobody wanted to talk about their crappy credit and

0:55:34.880 --> 0:55:36.759
<v Speaker 1>the fact that they didn't have me savings or they

0:55:36.800 --> 0:55:39.400
<v Speaker 1>weren't investing. So I figured, if sex can sell a

0:55:39.480 --> 0:55:43.560
<v Speaker 1>cheeseburg with Hardy's sex, can sell financial literacy with madam money.

0:55:44.120 --> 0:55:48.200
<v Speaker 1>And so that's how that became in financial fornication derived

0:55:48.360 --> 0:55:51.120
<v Speaker 1>and so I quit my job um as a financial

0:55:51.480 --> 0:55:55.520
<v Speaker 1>uh professional, and I turned into a financial advocate and

0:55:55.760 --> 0:55:59.800
<v Speaker 1>promoting in financial education and so um that's where not

0:56:00.040 --> 0:56:03.080
<v Speaker 1>money gave That's why I gave birth to amount of money.

0:56:03.120 --> 0:56:07.320
<v Speaker 1>I guess so you so you come from the mind

0:56:07.440 --> 0:56:13.000
<v Speaker 1>frame that fraud and credit issues it doesn't just impact

0:56:13.080 --> 0:56:15.840
<v Speaker 1>the one person. I think I read somewhere that you

0:56:15.960 --> 0:56:19.080
<v Speaker 1>said it feels victimless when people are out like, you know,

0:56:19.239 --> 0:56:25.040
<v Speaker 1>swiping cards and and and and harming um others. But

0:56:25.320 --> 0:56:27.920
<v Speaker 1>you're saying that you feel like or you know that

0:56:28.040 --> 0:56:31.600
<v Speaker 1>it impacts the entire community, that it hurts all of

0:56:31.760 --> 0:56:34.960
<v Speaker 1>us when our credit is not up to speed. Can

0:56:35.040 --> 0:56:37.040
<v Speaker 1>you talk a little bit about that. I know that

0:56:37.239 --> 0:56:42.800
<v Speaker 1>people are concerned about wealth. They're starting to understand and

0:56:42.880 --> 0:56:46.440
<v Speaker 1>they're starting to be an awareness around wealth and the

0:56:46.560 --> 0:56:49.399
<v Speaker 1>wealth gap. You see people talking about it, but I'm

0:56:49.440 --> 0:56:53.480
<v Speaker 1>not sure that folks have connected how credit is directly

0:56:53.680 --> 0:56:58.319
<v Speaker 1>impacting our wealth issues or the wealth gap. And then

0:56:58.520 --> 0:57:02.400
<v Speaker 1>also for me, it's like if my credit is messed up,

0:57:02.440 --> 0:57:04.720
<v Speaker 1>what does that have to do with you know another

0:57:04.880 --> 0:57:09.120
<v Speaker 1>neighbor of mine. Okay, well, you know it's back to

0:57:09.239 --> 0:57:12.920
<v Speaker 1>I teach a class um called young Money to college

0:57:13.000 --> 0:57:15.480
<v Speaker 1>and high school students, and the first class is cream.

0:57:15.880 --> 0:57:19.720
<v Speaker 1>Credit rules everything around me, and it teaches them about credit,

0:57:19.800 --> 0:57:22.320
<v Speaker 1>what credit is, and how it affects you. So not

0:57:22.440 --> 0:57:25.320
<v Speaker 1>only affects you getting stuff and you know, buying things,

0:57:25.400 --> 0:57:27.280
<v Speaker 1>but it can affect how you know, if you can

0:57:27.320 --> 0:57:29.920
<v Speaker 1>get a job, It affects how much you're gonna pay

0:57:30.040 --> 0:57:33.120
<v Speaker 1>for everything. It affects utilities, you know, if you're gonna

0:57:33.160 --> 0:57:34.800
<v Speaker 1>get a cell phone, or how much you're gonna pay

0:57:34.840 --> 0:57:37.520
<v Speaker 1>for it. So the lower your credit score, the more

0:57:37.600 --> 0:57:40.960
<v Speaker 1>you're gonna pay. So it affects you in your macro

0:57:41.720 --> 0:57:45.760
<v Speaker 1>um economics as far as you and your family space,

0:57:46.080 --> 0:57:49.439
<v Speaker 1>but the micro in the areas you know, it's gonna

0:57:49.480 --> 0:57:52.080
<v Speaker 1>affect what kind of house you can live in, where

0:57:52.200 --> 0:57:54.440
<v Speaker 1>you can live and all of that. So it affects

0:57:54.480 --> 0:57:58.120
<v Speaker 1>your community space and where you are. And So although

0:57:58.240 --> 0:58:00.640
<v Speaker 1>I don't think credit is every and credit is a

0:58:00.760 --> 0:58:04.920
<v Speaker 1>very significant part of us when it comes to wealth building.

0:58:04.960 --> 0:58:07.560
<v Speaker 1>Because credit is supposed to be a tool, right, it's

0:58:07.560 --> 0:58:10.640
<v Speaker 1>supposed to be leverage. It's not supposed to be um,

0:58:11.480 --> 0:58:13.880
<v Speaker 1>something that pulls you back or hinders you are keeping you.

0:58:14.240 --> 0:58:16.760
<v Speaker 1>You're supposed to be able to use credit, to be

0:58:16.960 --> 0:58:21.840
<v Speaker 1>able to leverage to purchase homes or to get investment properties,

0:58:22.040 --> 0:58:24.840
<v Speaker 1>or to do whatever if you do it the right way.

0:58:25.240 --> 0:58:26.800
<v Speaker 1>If you do it the wrong way, and you do

0:58:26.920 --> 0:58:30.320
<v Speaker 1>it in in the matter of fraud, eventually everything is

0:58:30.360 --> 0:58:32.680
<v Speaker 1>going to be tracked to you. Because one thing that

0:58:32.960 --> 0:58:35.920
<v Speaker 1>is tracked is credit, how you use it, where you

0:58:36.160 --> 0:58:38.320
<v Speaker 1>use it, and all of that. As we saw um

0:58:38.680 --> 0:58:40.760
<v Speaker 1>in the episode the Young Lady was in, is that

0:58:40.960 --> 0:58:44.680
<v Speaker 1>it tracks everything. It also doesn't affect just you, but

0:58:44.800 --> 0:58:47.520
<v Speaker 1>it affects everyone dealing in the financial institution. That it

0:58:47.600 --> 0:58:50.680
<v Speaker 1>affects because the more fraud the financial institution has to

0:58:50.760 --> 0:58:53.280
<v Speaker 1>deal with, that means we're probably gonna have to increase

0:58:53.360 --> 0:58:56.240
<v Speaker 1>the fees to compensate for all the fraud or the

0:58:56.360 --> 0:58:59.120
<v Speaker 1>losses that we have. So then that's going to affect you.

0:58:59.680 --> 0:59:02.800
<v Speaker 1>It's it's how much you're paying for financial services. If

0:59:02.840 --> 0:59:06.720
<v Speaker 1>you can get the financial services. Wow, that's that's a

0:59:06.800 --> 0:59:09.680
<v Speaker 1>lot um, just isn't it to You can tell that

0:59:09.800 --> 0:59:12.600
<v Speaker 1>you've really done a lot of homework. What do you

0:59:12.720 --> 0:59:16.680
<v Speaker 1>think is one of the biggest misconceptions that we, you know,

0:59:16.920 --> 0:59:20.640
<v Speaker 1>have about credit or money that black people reason why

0:59:20.720 --> 0:59:22.840
<v Speaker 1>we spend it so fast, so we don't A lot

0:59:22.920 --> 0:59:26.240
<v Speaker 1>of us don't really accumulated the way we should. What

0:59:26.280 --> 0:59:28.360
<v Speaker 1>do you think is one of the biggest problems that

0:59:28.480 --> 0:59:31.240
<v Speaker 1>contribute to that. Well. I wrote a book called the

0:59:31.280 --> 0:59:34.640
<v Speaker 1>Four Financial Languages. Right, So if you're familiar with love languages,

0:59:35.160 --> 0:59:38.040
<v Speaker 1>I talk about the financial languages. And a lot of

0:59:38.200 --> 0:59:42.120
<v Speaker 1>people don't really understand their dominant financial language. And because

0:59:42.160 --> 0:59:45.120
<v Speaker 1>they don't understand the dominant financial language, it either controls

0:59:45.240 --> 0:59:49.240
<v Speaker 1>them um subconsciously, or they don't learn what they need

0:59:49.320 --> 0:59:53.000
<v Speaker 1>to know or understand to be able to build that wealth. Right. So,

0:59:53.240 --> 0:59:56.440
<v Speaker 1>my dominant financial language is spending. I'm a spender. My

0:59:56.600 --> 1:00:00.080
<v Speaker 1>pleasure principle is in the transaction. There's something organic an

1:00:00.200 --> 1:00:05.000
<v Speaker 1>orgasmic about spiping or doing a transaction. Right. But because

1:00:05.080 --> 1:00:07.120
<v Speaker 1>I understand that, I know how I need to be

1:00:07.520 --> 1:00:10.960
<v Speaker 1>communicated about how I communicate and what I need to

1:00:11.080 --> 1:00:15.680
<v Speaker 1>be able to advance myself financially. So um for a spender,

1:00:15.720 --> 1:00:18.240
<v Speaker 1>if you tell a spender to budget, when we hear budget,

1:00:18.360 --> 1:00:21.680
<v Speaker 1>we hear diet dye deprivation. I can't and we ain't

1:00:21.680 --> 1:00:24.160
<v Speaker 1>got time for that negativity in our life, right, And

1:00:24.320 --> 1:00:26.800
<v Speaker 1>so what we do is we rebel and so we

1:00:26.920 --> 1:00:29.400
<v Speaker 1>know we need to save, we know we need to invest,

1:00:29.520 --> 1:00:31.479
<v Speaker 1>but because it feels like people are trying to force

1:00:31.600 --> 1:00:34.400
<v Speaker 1>us into doing that, we're going to rebel and we're

1:00:34.440 --> 1:00:36.760
<v Speaker 1>going to spend. So if don't tell me not to

1:00:36.880 --> 1:00:39.360
<v Speaker 1>spend my money, because I'll spend my money, your money,

1:00:39.360 --> 1:00:42.120
<v Speaker 1>and everybody else's money. What you need to teach me

1:00:42.160 --> 1:00:44.040
<v Speaker 1>how to do is how to spend it on savings,

1:00:44.320 --> 1:00:46.720
<v Speaker 1>how to spend it on investing, how to spend it

1:00:46.800 --> 1:00:49.840
<v Speaker 1>on giving, and then savers, you know, if you're if

1:00:49.880 --> 1:00:52.560
<v Speaker 1>you want to save, as a spender, we save to

1:00:52.760 --> 1:00:55.920
<v Speaker 1>spend later. Okay, So when we can learn how to

1:00:56.000 --> 1:00:59.240
<v Speaker 1>communicate about money, understand with my languages. So I'm not

1:00:59.280 --> 1:01:02.520
<v Speaker 1>gonna go hang out at them all because especially like

1:01:02.600 --> 1:01:04.240
<v Speaker 1>a best buyer or something like that, because I'm a

1:01:04.280 --> 1:01:06.720
<v Speaker 1>gadget queen. I'm not hanging out there because I know

1:01:06.800 --> 1:01:08.840
<v Speaker 1>I'm gonna buy things I don't need. So when you

1:01:09.000 --> 1:01:12.480
<v Speaker 1>understand what who you are, you can understand your limitations. Um,

1:01:12.800 --> 1:01:14.680
<v Speaker 1>and I think that's one of the biggest things is

1:01:14.720 --> 1:01:18.520
<v Speaker 1>that we don't really understand of respect our financial language

1:01:18.840 --> 1:01:21.600
<v Speaker 1>so that we can communicate better about money. Because when

1:01:21.640 --> 1:01:24.760
<v Speaker 1>we have our communication, communication is not just talking, it's

1:01:24.800 --> 1:01:27.520
<v Speaker 1>about thinking, it's about reacting and how we do that.

1:01:27.600 --> 1:01:30.120
<v Speaker 1>When we respected and understand it, then we can start

1:01:30.160 --> 1:01:33.480
<v Speaker 1>making better decisions about money and wealth building and how

1:01:33.560 --> 1:01:38.480
<v Speaker 1>to do that for ourselves. Wow, that's a lot, So

1:01:38.720 --> 1:01:43.320
<v Speaker 1>do you So where do people where it is one start? Right? Like,

1:01:43.600 --> 1:01:47.760
<v Speaker 1>you know, Okay, I'm twenty five years old, I'm out

1:01:47.840 --> 1:01:50.960
<v Speaker 1>of college and now you know, I've got my first job.

1:01:51.480 --> 1:01:54.000
<v Speaker 1>Of course, I've got my student loans that need to

1:01:54.080 --> 1:01:56.560
<v Speaker 1>be canceled, but you know, we'll put that in a

1:01:56.680 --> 1:01:59.880
<v Speaker 1>different show. Right, that's a whole another show. Yeah, that's

1:02:00.080 --> 1:02:02.720
<v Speaker 1>different show. But you know, I've got my student loans.

1:02:02.920 --> 1:02:05.840
<v Speaker 1>But other than that, you know, I don't really have

1:02:06.040 --> 1:02:11.200
<v Speaker 1>any real responsibilities yet. What do I do first? And

1:02:11.360 --> 1:02:15.760
<v Speaker 1>how do we make it as painless as possible for

1:02:16.000 --> 1:02:19.600
<v Speaker 1>people to one understand and also for them to get started,

1:02:19.800 --> 1:02:22.760
<v Speaker 1>Because to your point, if I've been waiting all my

1:02:22.920 --> 1:02:25.800
<v Speaker 1>life for this job that I now have, I'm paral

1:02:25.920 --> 1:02:31.120
<v Speaker 1>legal or you know whatever, I'm you know, a nurses assistant,

1:02:31.560 --> 1:02:34.320
<v Speaker 1>and now I have this nice check coming in, still

1:02:34.400 --> 1:02:37.680
<v Speaker 1>living with my parents or you know, making it happen.

1:02:38.080 --> 1:02:40.000
<v Speaker 1>And then you tell me all my money needs to

1:02:40.040 --> 1:02:43.840
<v Speaker 1>be going towards investments in saving, Well, what happens to

1:02:44.160 --> 1:02:46.040
<v Speaker 1>the fun things that I want to do, all the

1:02:46.120 --> 1:02:49.280
<v Speaker 1>things that I was never able to afford exactly. And

1:02:49.400 --> 1:02:51.800
<v Speaker 1>so I never tell anybody you need to take all

1:02:51.840 --> 1:02:54.480
<v Speaker 1>your check and spend invested all and everything like that,

1:02:54.600 --> 1:02:57.960
<v Speaker 1>because then you're gonna feel deprived. And deprivation is the

1:02:58.000 --> 1:03:01.600
<v Speaker 1>beginning of destruction. Right, So when we feel deprived of

1:03:01.800 --> 1:03:05.280
<v Speaker 1>eating because of diets, that is our that's the beginning

1:03:05.320 --> 1:03:07.840
<v Speaker 1>of our demise and destruction, because now we're gonna overeat

1:03:07.880 --> 1:03:10.000
<v Speaker 1>because I'm feeling deprived. I can't have my big mathew

1:03:10.040 --> 1:03:11.920
<v Speaker 1>telling me I can't have our big mac anymore. And

1:03:12.000 --> 1:03:14.520
<v Speaker 1>then I ended up eating everything else that's not you know,

1:03:14.840 --> 1:03:17.800
<v Speaker 1>not healthy. And so what I tell people to do

1:03:17.960 --> 1:03:20.200
<v Speaker 1>all the time is you have to plan your spending,

1:03:20.400 --> 1:03:23.080
<v Speaker 1>name your dollars. Okay, so if you want to get

1:03:23.120 --> 1:03:25.440
<v Speaker 1>out of your mama's and your daddy's house, well you

1:03:25.520 --> 1:03:27.400
<v Speaker 1>know you're gonna need a down payment or you're gonna

1:03:27.440 --> 1:03:29.960
<v Speaker 1>need something, So you're gonna put money aside so you

1:03:30.040 --> 1:03:32.760
<v Speaker 1>can spend it on that later to help you get there. Now,

1:03:33.000 --> 1:03:37.560
<v Speaker 1>you know, start saving something sooner, definitely before you start

1:03:37.600 --> 1:03:40.560
<v Speaker 1>getting heavy debt. So we start getting heavy debt in

1:03:40.680 --> 1:03:43.160
<v Speaker 1>our thirties, right because we're getting the homes and the

1:03:43.280 --> 1:03:45.960
<v Speaker 1>nice cars and everything like that. In our twenties, we

1:03:46.080 --> 1:03:49.280
<v Speaker 1>have minimal debt. We have student loans, but you know,

1:03:49.800 --> 1:03:51.680
<v Speaker 1>they might as well cancel them. Like you said, I'm

1:03:51.760 --> 1:03:54.880
<v Speaker 1>very good about my student loans. But you know, start

1:03:55.000 --> 1:03:58.600
<v Speaker 1>sit putting aside money as much as you can because

1:03:58.880 --> 1:04:01.520
<v Speaker 1>you're gonna need that cat later, whether you need it

1:04:01.560 --> 1:04:03.080
<v Speaker 1>for a down payment, whether you want to buy a

1:04:03.200 --> 1:04:05.720
<v Speaker 1>car or whatever. So most of the people were talking

1:04:05.760 --> 1:04:08.640
<v Speaker 1>to they are spenders, and a lot of people become

1:04:08.760 --> 1:04:12.960
<v Speaker 1>narcissistic spenders because they have never experienced this amount of money.

1:04:13.280 --> 1:04:15.440
<v Speaker 1>So I've then broke or my parents tell me I

1:04:15.520 --> 1:04:16.760
<v Speaker 1>can't do it, and then all of a sudden, I

1:04:16.800 --> 1:04:20.000
<v Speaker 1>get this nice job and so now I'm making the money.

1:04:20.200 --> 1:04:22.280
<v Speaker 1>So you can't tell me not to spend my money.

1:04:22.440 --> 1:04:25.080
<v Speaker 1>I work hard for this. This is mine. So if

1:04:25.120 --> 1:04:27.680
<v Speaker 1>they don't have a plan or name their dollars what's

1:04:27.680 --> 1:04:30.360
<v Speaker 1>gonna happen is their dollars are gonna dictate what they

1:04:30.440 --> 1:04:32.600
<v Speaker 1>can and can't do. So if they give all their

1:04:32.640 --> 1:04:35.040
<v Speaker 1>money out to the world, then the world is not

1:04:35.080 --> 1:04:36.960
<v Speaker 1>going to leave them anything back. Now, how do you

1:04:37.040 --> 1:04:40.200
<v Speaker 1>get started? Well, you get started. You can google. Google's

1:04:40.200 --> 1:04:42.080
<v Speaker 1>the girls. She knows everything. If you want to learn

1:04:42.120 --> 1:04:43.840
<v Speaker 1>about how do I invest, how do I do this,

1:04:44.040 --> 1:04:46.280
<v Speaker 1>or whatever, it's gonna lead you to different apps. It's

1:04:46.280 --> 1:04:50.200
<v Speaker 1>gonna lead you to money professionals like myself, or financial

1:04:50.480 --> 1:04:53.640
<v Speaker 1>advisors or whatever. There's a whole black and brown community

1:04:53.720 --> 1:04:56.320
<v Speaker 1>of us that talk about financial literacy. And you know,

1:04:56.440 --> 1:04:58.480
<v Speaker 1>depending on what you want to talk about, my girl

1:04:58.600 --> 1:05:01.320
<v Speaker 1>budget LISTA, my fab five finance. We have a whole

1:05:01.440 --> 1:05:03.880
<v Speaker 1>slew of us out there, but a lot of people saying, well,

1:05:03.920 --> 1:05:05.920
<v Speaker 1>I don't know where to go. Hell you you google

1:05:05.960 --> 1:05:09.320
<v Speaker 1>everything else. You can google how to invest, how to

1:05:09.480 --> 1:05:13.080
<v Speaker 1>build wealth? You can do that. Um, So that that excuse,

1:05:13.120 --> 1:05:15.360
<v Speaker 1>I I don't. I don't play with that excuse anymore.

1:05:15.560 --> 1:05:18.880
<v Speaker 1>So I don't give sympathy to stupidity. Because if we

1:05:19.040 --> 1:05:21.640
<v Speaker 1>want to learn something, we will find a way to

1:05:21.760 --> 1:05:23.960
<v Speaker 1>figure it out. We will google it, we will ask

1:05:24.040 --> 1:05:27.200
<v Speaker 1>the right person um had. The young lady, she was brilliant,

1:05:27.200 --> 1:05:29.280
<v Speaker 1>She had a brilliant mind. She just used it in

1:05:29.360 --> 1:05:31.840
<v Speaker 1>the wrong way. But she figured things out. And we

1:05:32.000 --> 1:05:35.439
<v Speaker 1>want to figure something out, We'll figure it out. That's

1:05:35.680 --> 1:05:38.000
<v Speaker 1>that's a that's an a minimum right there. We're gonna

1:05:38.000 --> 1:05:40.200
<v Speaker 1>figure it out or we're not gonna figure it out.

1:05:40.440 --> 1:05:44.200
<v Speaker 1>So based on being a financial you know, expert, and

1:05:44.440 --> 1:05:47.560
<v Speaker 1>you talked about how many how many more experts especially

1:05:47.680 --> 1:05:50.400
<v Speaker 1>we have a lot of black on financial experts out there.

1:05:50.480 --> 1:05:54.720
<v Speaker 1>Do you think that as a whole we're getting better?

1:05:55.040 --> 1:05:57.760
<v Speaker 1>What's our finances that we're doing more? Are you seeing

1:05:58.320 --> 1:06:01.000
<v Speaker 1>you know, more people moving in the right direction and

1:06:01.080 --> 1:06:03.880
<v Speaker 1>with this information, are you seeing the growth of we're

1:06:03.920 --> 1:06:07.440
<v Speaker 1>moving towards being more than just two percent of the

1:06:07.520 --> 1:06:09.480
<v Speaker 1>wealth in America? Do you think that we're gonna get

1:06:09.520 --> 1:06:12.520
<v Speaker 1>past that eventually? I do believe that we're gonna get

1:06:12.520 --> 1:06:14.760
<v Speaker 1>past that. That's something that we're gonna have to start

1:06:14.920 --> 1:06:18.760
<v Speaker 1>training ourselves to do and start teaching our children how

1:06:18.840 --> 1:06:21.560
<v Speaker 1>to do so that we can become better at it. Right,

1:06:21.800 --> 1:06:24.080
<v Speaker 1>so we can't teach what we don't know. The great

1:06:24.120 --> 1:06:26.640
<v Speaker 1>thing is is now sexy. You know, we're making black

1:06:26.720 --> 1:06:30.240
<v Speaker 1>wealth sexy. Black wealth matters is sexy, So people want

1:06:30.280 --> 1:06:32.880
<v Speaker 1>to learn more about that and building legacy wealth and

1:06:33.000 --> 1:06:36.200
<v Speaker 1>building wealth. So more people are going to that mantra,

1:06:36.360 --> 1:06:39.080
<v Speaker 1>which is a good thing. Um. The scary thing is

1:06:39.240 --> 1:06:41.600
<v Speaker 1>is that it gives people an opportunity to do the

1:06:41.680 --> 1:06:44.120
<v Speaker 1>wrong thing. So there's a lot of people building wealth

1:06:44.200 --> 1:06:47.720
<v Speaker 1>with misinformation, um you know, even dealing with the I

1:06:47.920 --> 1:06:51.160
<v Speaker 1>R s. You know, with UM with you know, even

1:06:51.240 --> 1:06:54.520
<v Speaker 1>some cryptocurrencies. Not all cryptocurrencies are bad, but there are

1:06:54.640 --> 1:06:58.280
<v Speaker 1>some organizations that teach the wrong information, and so a

1:06:58.360 --> 1:07:01.160
<v Speaker 1>lot of us want this get rich thing that if

1:07:01.200 --> 1:07:03.040
<v Speaker 1>you put in five dollars you can give them you

1:07:03.120 --> 1:07:05.920
<v Speaker 1>give a million dollars. I can't remember what susu um

1:07:06.040 --> 1:07:09.400
<v Speaker 1>type things. So people have to be very careful with

1:07:09.600 --> 1:07:13.640
<v Speaker 1>those type of things because they're working off of your ignorance.

1:07:14.040 --> 1:07:20.320
<v Speaker 1>So how to so you have to be able to

1:07:20.640 --> 1:07:24.040
<v Speaker 1>discern or to do some research, you know what I'm saying.

1:07:24.080 --> 1:07:26.120
<v Speaker 1>Shop around. That's where I tell people all the time.

1:07:26.280 --> 1:07:28.520
<v Speaker 1>If you like shopping, you shop around to find the

1:07:28.600 --> 1:07:30.840
<v Speaker 1>best deal. Well, sometimes you have to shop around to

1:07:30.960 --> 1:07:33.640
<v Speaker 1>make sure the information is correct, make sure there's some

1:07:33.800 --> 1:07:36.480
<v Speaker 1>legitimacy because there's a lot of people that are on

1:07:36.560 --> 1:07:38.520
<v Speaker 1>social media that sound like they know what the hell

1:07:38.520 --> 1:07:41.280
<v Speaker 1>they're talking about, and they don't. But there's people paying

1:07:41.360 --> 1:07:43.560
<v Speaker 1>into it. So the only person that's making money is

1:07:43.600 --> 1:07:45.840
<v Speaker 1>the person that's giving out the misinformation. So you have

1:07:45.920 --> 1:07:48.680
<v Speaker 1>to be very very careful with with those things. But

1:07:48.840 --> 1:07:52.240
<v Speaker 1>wealth building is becoming sexy and so we are seeing

1:07:52.280 --> 1:07:54.120
<v Speaker 1>more people that are willing to talk about it, that

1:07:54.200 --> 1:07:56.560
<v Speaker 1>want to learn more about it. But right now, it's

1:07:56.560 --> 1:08:01.000
<v Speaker 1>about how do we transfer that knowledge into the people

1:08:01.040 --> 1:08:04.480
<v Speaker 1>that are coming behind us, our children, because that is

1:08:04.520 --> 1:08:07.120
<v Speaker 1>where we're going to see the wealth you know that's building.

1:08:07.160 --> 1:08:09.600
<v Speaker 1>It's that legacy. It's a garden that you never get

1:08:09.640 --> 1:08:13.120
<v Speaker 1>to see, you know, shout out to uh what Hamilton's

1:08:13.600 --> 1:08:18.200
<v Speaker 1>um there. So I think that wealth building is the

1:08:18.360 --> 1:08:21.400
<v Speaker 1>time now to get on board and to learn so

1:08:21.520 --> 1:08:23.200
<v Speaker 1>that you can feel the remnants of it and you

1:08:23.280 --> 1:08:26.040
<v Speaker 1>can pass it down to your children and children's children.

1:08:26.720 --> 1:08:28.720
<v Speaker 1>I think that should be a course right now, Like

1:08:28.840 --> 1:08:32.080
<v Speaker 1>for kids. I think we should have like wealth classes,

1:08:32.200 --> 1:08:34.840
<v Speaker 1>like you know, credit and all these things I think

1:08:35.280 --> 1:08:37.280
<v Speaker 1>we don't need to pass. I think it actually should

1:08:37.320 --> 1:08:40.599
<v Speaker 1>be incurriculous. I've been fighting for that for many years

1:08:40.800 --> 1:08:42.840
<v Speaker 1>what I do love about and I keep shouting out

1:08:42.880 --> 1:08:45.559
<v Speaker 1>Budgetessa Tiffany a leash. You know, she's my sister. She's

1:08:45.560 --> 1:08:48.439
<v Speaker 1>a really good friend of mine. But she she fought

1:08:48.560 --> 1:08:52.960
<v Speaker 1>to get financial literacy in New Jersey schools and it's

1:08:53.040 --> 1:08:54.800
<v Speaker 1>it's stayed wide. You know. I'm fighting for it in

1:08:54.920 --> 1:08:58.400
<v Speaker 1>Delaware because that's where I'm fun from, and so it

1:08:58.479 --> 1:09:01.280
<v Speaker 1>should be a requirement because I'm required to learn a

1:09:01.360 --> 1:09:03.640
<v Speaker 1>second language, which I don't really have to speak, but

1:09:03.720 --> 1:09:06.080
<v Speaker 1>I'm not required to learn how to balance an account

1:09:06.400 --> 1:09:08.960
<v Speaker 1>or checkbook or learn credit. And I found that when

1:09:09.000 --> 1:09:12.200
<v Speaker 1>I do my Young Money series at high schools and universities.

1:09:12.400 --> 1:09:15.040
<v Speaker 1>I went to Cornell University and didn't Young Money series,

1:09:15.320 --> 1:09:17.680
<v Speaker 1>and it was surprising that they did not understand what

1:09:17.800 --> 1:09:20.360
<v Speaker 1>credit was. These are college students. They didn't understand what

1:09:20.400 --> 1:09:22.840
<v Speaker 1>credit was. They didn't understand their student loans. I have

1:09:22.880 --> 1:09:25.080
<v Speaker 1>a session I called Saved Me Sally May, where I

1:09:25.120 --> 1:09:27.400
<v Speaker 1>teach them about student loans. They didn't understand how to

1:09:27.520 --> 1:09:30.719
<v Speaker 1>negotiate um their first salary. I do that as hire

1:09:30.800 --> 1:09:33.360
<v Speaker 1>me as a class so I can teach them teaching

1:09:33.400 --> 1:09:36.360
<v Speaker 1>the art of salary negotiations. But that's something that has

1:09:36.439 --> 1:09:40.639
<v Speaker 1>to be taught, and right now it's an extracurricular activity

1:09:40.720 --> 1:09:43.519
<v Speaker 1>or in colleges it's in business classes. But what about

1:09:43.600 --> 1:09:47.840
<v Speaker 1>those students that are not business UM majors. It needs

1:09:47.880 --> 1:09:52.240
<v Speaker 1>to be something that's a fundamental requirement from if a person.

1:09:52.360 --> 1:09:53.840
<v Speaker 1>You know, as soon as I give a child a

1:09:53.880 --> 1:09:56.200
<v Speaker 1>dollar and they know what to do with it, that's

1:09:56.280 --> 1:10:00.439
<v Speaker 1>when you need to teach them financial literacy. That's UM

1:10:01.080 --> 1:10:03.360
<v Speaker 1>that definitely needs to happen in it and I feel

1:10:03.400 --> 1:10:07.520
<v Speaker 1>like it should be a UM area, guess a portfolio

1:10:07.760 --> 1:10:10.400
<v Speaker 1>of the civil rights movement of something else that we

1:10:10.520 --> 1:10:13.639
<v Speaker 1>all fight for to make sure that when we're talking

1:10:13.680 --> 1:10:19.240
<v Speaker 1>about education, that we're actually fighting not just for financial literacy,

1:10:19.640 --> 1:10:23.080
<v Speaker 1>but also there are other things that our young people

1:10:23.240 --> 1:10:27.000
<v Speaker 1>need to be learning about life that is not included

1:10:27.040 --> 1:10:29.479
<v Speaker 1>in the current curriculum. And my son not often to

1:10:29.600 --> 1:10:32.320
<v Speaker 1>debate that it is probably why so many of our

1:10:32.400 --> 1:10:36.440
<v Speaker 1>young people feel totally disconnected from the education that they're receiving,

1:10:36.800 --> 1:10:39.400
<v Speaker 1>because they don't feel like they're being taught. And by

1:10:39.479 --> 1:10:44.240
<v Speaker 1>the way, unfortunately, there are young people who are living

1:10:44.400 --> 1:10:47.240
<v Speaker 1>like real lives every day, like you know, they know

1:10:47.760 --> 1:10:50.680
<v Speaker 1>what skills they need, they already know that when they

1:10:50.800 --> 1:10:53.680
<v Speaker 1>go to school and they're learning, I don't know. You know,

1:10:53.840 --> 1:10:57.400
<v Speaker 1>geometry is something, it's cool. But when I get home,

1:10:57.760 --> 1:11:00.720
<v Speaker 1>I've got to help my parents cook. I need to

1:11:00.840 --> 1:11:03.080
<v Speaker 1>pick my brother and sister up. I know I need

1:11:03.160 --> 1:11:05.400
<v Speaker 1>a skill that I can use so I can work

1:11:05.520 --> 1:11:08.000
<v Speaker 1>somewhere on the weekend. I don't know how to fill

1:11:08.000 --> 1:11:11.240
<v Speaker 1>out an application, like these are real things that's happening

1:11:11.280 --> 1:11:13.639
<v Speaker 1>in my life, and you're telling me to draw one

1:11:13.720 --> 1:11:15.960
<v Speaker 1>line from this side to that side of the paper

1:11:16.080 --> 1:11:19.680
<v Speaker 1>and not saying that that's not important, but but but

1:11:19.840 --> 1:11:21.600
<v Speaker 1>but what is How is that going to help me

1:11:21.760 --> 1:11:24.120
<v Speaker 1>with what's going on back in my neighborhood that I'm

1:11:24.160 --> 1:11:27.479
<v Speaker 1>dealing with every day. So I I think you're a

1:11:27.600 --> 1:11:31.080
<v Speaker 1>hundred percent right that it should be required. And as

1:11:31.120 --> 1:11:34.560
<v Speaker 1>you said, shout out to a budgetista. Uh, and the

1:11:34.640 --> 1:11:38.479
<v Speaker 1>work that's being done in in Jersey, but in New York,

1:11:38.600 --> 1:11:41.479
<v Speaker 1>Delaware and all across the country, especially when you have

1:11:41.720 --> 1:11:45.559
<v Speaker 1>mayors and governors who are actually listening, we should start

1:11:45.640 --> 1:11:49.120
<v Speaker 1>a trend of fighting for that in those communities. Yeah.

1:11:49.200 --> 1:11:52.120
<v Speaker 1>I mean they stopped teaching and really they started really

1:11:52.160 --> 1:11:55.639
<v Speaker 1>stopped really teaching um with no Child Left Behind Act

1:11:56.080 --> 1:11:58.160
<v Speaker 1>when that first came out. Then they started teaching to

1:11:58.280 --> 1:12:02.880
<v Speaker 1>test because they started holding teachers accountable for passing tests

1:12:02.920 --> 1:12:06.280
<v Speaker 1>for students passing texts. And that's where teaching no where

1:12:06.400 --> 1:12:09.479
<v Speaker 1>became fun. It became a requirement to make sure students

1:12:09.520 --> 1:12:12.599
<v Speaker 1>pass a test because you know they there was home

1:12:12.680 --> 1:12:14.880
<v Speaker 1>at you know, you at least learned how to cook

1:12:15.080 --> 1:12:17.759
<v Speaker 1>and do certain things. And a lot of the schools

1:12:17.800 --> 1:12:20.080
<v Speaker 1>are saying, yeah, well, now your parents have to teach you.

1:12:20.160 --> 1:12:23.439
<v Speaker 1>Where the parents working two jobs and you know, a

1:12:23.520 --> 1:12:25.880
<v Speaker 1>latch key kids, No one's there to teach them. If

1:12:25.920 --> 1:12:27.519
<v Speaker 1>the parents don't know how to do it, they're not

1:12:27.560 --> 1:12:31.839
<v Speaker 1>going to teach the kid. No, nobody talk them exactly.

1:12:32.240 --> 1:12:36.360
<v Speaker 1>Nobody's talking parents. Which brings me to my last two

1:12:36.600 --> 1:12:41.080
<v Speaker 1>questions before you go there. Quick questions though, One, do

1:12:41.880 --> 1:12:44.599
<v Speaker 1>do wealthy white folks or just white people who are

1:12:44.680 --> 1:12:48.479
<v Speaker 1>doing better than some of us? Do they have people

1:12:48.560 --> 1:12:51.599
<v Speaker 1>that like walk them through every step of this stuff?

1:12:51.920 --> 1:12:55.240
<v Speaker 1>Like how do they know so much better than us

1:12:55.680 --> 1:12:59.479
<v Speaker 1>how to deal with credit and and to um, you know,

1:12:59.600 --> 1:13:03.160
<v Speaker 1>be more or financially literate. That's one question, and then

1:13:03.240 --> 1:13:06.120
<v Speaker 1>the second question is n f T S I have

1:13:06.920 --> 1:13:10.640
<v Speaker 1>two separate threads of text messages and just in my

1:13:10.800 --> 1:13:15.880
<v Speaker 1>life in general. One side, everybody's excited, everybody's for it.

1:13:16.479 --> 1:13:20.559
<v Speaker 1>The other side they're bashion it like crazy, sending articles

1:13:20.720 --> 1:13:23.280
<v Speaker 1>every day saying it's terrible, it's no good. This went

1:13:23.320 --> 1:13:26.840
<v Speaker 1>on during the Christmas holiday, and I thought everyone was

1:13:27.080 --> 1:13:29.280
<v Speaker 1>on board, the n f T S was good, and

1:13:29.400 --> 1:13:32.479
<v Speaker 1>then I started getting these messages from this other threat

1:13:32.560 --> 1:13:35.400
<v Speaker 1>where they're saying that it is uh, it's it's a scam.

1:13:35.960 --> 1:13:38.639
<v Speaker 1>So I just wanted to get your perspective on those

1:13:38.680 --> 1:13:43.400
<v Speaker 1>two things. How are wealthy wealthy are and particularly white folks,

1:13:44.000 --> 1:13:46.439
<v Speaker 1>how do they learn what to do from a financial

1:13:46.680 --> 1:13:50.200
<v Speaker 1>financial literacy perspective? And then the n f T um

1:13:50.560 --> 1:13:54.280
<v Speaker 1>new phenomenon. Okay, so the first question I'm gonna ask

1:13:54.320 --> 1:13:59.840
<v Speaker 1>you this question rhetorically, who built the system? M M. David?

1:14:01.560 --> 1:14:04.719
<v Speaker 1>Who built the financial system? Who built the credit system?

1:14:05.600 --> 1:14:09.360
<v Speaker 1>And of course, if that person, if you know, if

1:14:09.400 --> 1:14:11.680
<v Speaker 1>they are Caucasian or whatever, if they have been a

1:14:11.760 --> 1:14:15.560
<v Speaker 1>part of the process, generation of generation, generations ago of

1:14:15.680 --> 1:14:18.400
<v Speaker 1>doing it. They've seen wealth in the past, They've seen

1:14:18.439 --> 1:14:20.439
<v Speaker 1>how their parents, so they have they have a model

1:14:21.280 --> 1:14:25.000
<v Speaker 1>that they're doing right. Think about how we came to

1:14:25.240 --> 1:14:29.440
<v Speaker 1>this country. Think about how we're doing wealth and infraction

1:14:29.560 --> 1:14:33.120
<v Speaker 1>of us have built wealth, major, major wealth. But what

1:14:33.280 --> 1:14:36.160
<v Speaker 1>they did was they paid attention, probably to the white

1:14:36.200 --> 1:14:38.879
<v Speaker 1>people that were building wealth, and they modeled the behavior.

1:14:39.680 --> 1:14:42.800
<v Speaker 1>So if we don't have something to model the behavior

1:14:43.000 --> 1:14:46.840
<v Speaker 1>of we can't teach it or we can't model the behavior. Well,

1:14:46.880 --> 1:14:49.600
<v Speaker 1>we are modeling the behavior, but we're probably modeling the

1:14:49.720 --> 1:14:55.080
<v Speaker 1>behavior of poverty, right unbeknounced to ourselves. We think that

1:14:55.200 --> 1:14:58.280
<v Speaker 1>we're teaching about being rich and all that stuff, but

1:14:58.360 --> 1:15:02.120
<v Speaker 1>are we modeling a wealth behavior, a wealth mindset? You know,

1:15:02.600 --> 1:15:05.720
<v Speaker 1>law of attraction? Do we really understand it? Do we

1:15:05.880 --> 1:15:08.760
<v Speaker 1>believe it? You know? Do do are we teaching it?

1:15:08.960 --> 1:15:13.600
<v Speaker 1>So there is a model of that. Most of the

1:15:13.680 --> 1:15:16.559
<v Speaker 1>people that are wealthy, they believe in the law of attraction.

1:15:16.760 --> 1:15:19.720
<v Speaker 1>They believe in the understanding of uh that what you think,

1:15:20.120 --> 1:15:23.640
<v Speaker 1>your thoughts become things. They go to people, or they

1:15:23.720 --> 1:15:25.760
<v Speaker 1>look at people who are making the money seeing what

1:15:25.840 --> 1:15:28.280
<v Speaker 1>they're doing, and they model the behavior, or they ask

1:15:28.360 --> 1:15:31.200
<v Speaker 1>for mentorship, or they do certain things. A lot of

1:15:31.439 --> 1:15:34.719
<v Speaker 1>us we just think that we because we were slaves,

1:15:34.800 --> 1:15:38.200
<v Speaker 1>because we did this, y'all supposed to help us out,

1:15:38.400 --> 1:15:41.519
<v Speaker 1>and it just doesn't work that way. If we want

1:15:41.640 --> 1:15:44.640
<v Speaker 1>to take over and become a model of wealth to

1:15:44.720 --> 1:15:47.760
<v Speaker 1>our families, we have to take control and said I'm

1:15:47.800 --> 1:15:50.240
<v Speaker 1>going to learn this, I'm going to do this UM

1:15:50.280 --> 1:15:53.080
<v Speaker 1>and not wait for someone to to give me penance

1:15:53.200 --> 1:15:55.320
<v Speaker 1>or someone to say, Okay, we're gonna give you a

1:15:55.360 --> 1:15:57.920
<v Speaker 1>million dollars, because I promise you if someone says, you

1:15:58.000 --> 1:16:01.600
<v Speaker 1>know what reparations we're gonna get every black person a

1:16:01.680 --> 1:16:06.439
<v Speaker 1>hundred thousand dollars, I bet you of that hundred thousand

1:16:06.479 --> 1:16:08.960
<v Speaker 1>dollars are gonna be spent in white communities or in

1:16:09.080 --> 1:16:12.360
<v Speaker 1>white stores. Right, it's not even gonna stay in our community.

1:16:12.640 --> 1:16:14.479
<v Speaker 1>We're having a hard time trying to convince people to

1:16:14.520 --> 1:16:19.160
<v Speaker 1>buy black so UM. I think that it's something that

1:16:19.360 --> 1:16:22.760
<v Speaker 1>was modeled because they built the system, and those that

1:16:22.920 --> 1:16:26.400
<v Speaker 1>want to grow up with a wealth mindset and give legacy,

1:16:26.720 --> 1:16:31.400
<v Speaker 1>they are modeling their learning, their researching that behavior and

1:16:31.520 --> 1:16:34.200
<v Speaker 1>replicating those services. Now, as far as n f T s,

1:16:34.520 --> 1:16:36.439
<v Speaker 1>I'm not an n f T expert, nor do I

1:16:36.479 --> 1:16:38.760
<v Speaker 1>play one on TV. I've seen the same thing as

1:16:38.800 --> 1:16:41.040
<v Speaker 1>you where they say the next n f T s

1:16:41.080 --> 1:16:43.360
<v Speaker 1>are the next best thing and then I've seen on

1:16:43.439 --> 1:16:46.599
<v Speaker 1>there it's a fraud, just like cryptocurrenesis currency. So it's

1:16:46.640 --> 1:16:50.000
<v Speaker 1>reminding me of the cryptocurrency when it started coming out,

1:16:50.080 --> 1:16:51.800
<v Speaker 1>when they say if you get in now, you're gonna

1:16:51.800 --> 1:16:54.320
<v Speaker 1>make millions of dollars, and the other side is it's

1:16:54.360 --> 1:16:57.400
<v Speaker 1>a hoax, you know, or whatever. But as much as

1:16:57.439 --> 1:17:01.200
<v Speaker 1>people want to say about cryptocurrency, cryptocurrency is still here.

1:17:01.920 --> 1:17:03.360
<v Speaker 1>You know what I'm saying. It started out at ten

1:17:03.439 --> 1:17:06.840
<v Speaker 1>thousand dollars, now it's at fifty thousand right. Um where

1:17:06.880 --> 1:17:08.920
<v Speaker 1>it's gonna go I don't know, but there's countries that

1:17:09.000 --> 1:17:12.680
<v Speaker 1>are investing in cryptocurrency, there are financial institutions that are

1:17:12.720 --> 1:17:17.040
<v Speaker 1>considering cryptocurrency. N f T. I I don't know enough.

1:17:17.080 --> 1:17:19.519
<v Speaker 1>I'm still researching it to figure out what it is,

1:17:19.680 --> 1:17:21.880
<v Speaker 1>how it's gonna benefit. My whole thing is how can

1:17:21.920 --> 1:17:25.120
<v Speaker 1>I leverage that into spending money because they said I

1:17:25.200 --> 1:17:27.519
<v Speaker 1>made a million dollars or n f T, but isn't

1:17:27.560 --> 1:17:30.599
<v Speaker 1>really hard cash money. So that's where I say, before

1:17:30.720 --> 1:17:33.040
<v Speaker 1>you jump into a whole bunch of things, you got

1:17:33.160 --> 1:17:35.519
<v Speaker 1>to do your research and make sure you're not buying

1:17:35.520 --> 1:17:38.360
<v Speaker 1>into misinformation. And if n f T is your thing

1:17:38.479 --> 1:17:40.720
<v Speaker 1>and you you've done your research, go with God, make

1:17:40.840 --> 1:17:43.640
<v Speaker 1>millions of dollars um, but don't just jump on it

1:17:43.760 --> 1:17:46.400
<v Speaker 1>because it's the next best thing, because that can you know,

1:17:46.600 --> 1:17:49.680
<v Speaker 1>make it go broke to That's definitely true. I want

1:17:49.720 --> 1:17:53.360
<v Speaker 1>to say thank you you giving us so much information today.

1:17:53.800 --> 1:17:55.840
<v Speaker 1>You know, a lot a lot of what you said

1:17:55.880 --> 1:17:59.439
<v Speaker 1>about just schooling, especially what you said about who created

1:17:59.479 --> 1:18:01.800
<v Speaker 1>the system. You know a lot of us we didn't

1:18:01.840 --> 1:18:04.280
<v Speaker 1>have access to that system, and a lot of you

1:18:04.360 --> 1:18:06.679
<v Speaker 1>know us don't even know. But when we do learn,

1:18:07.000 --> 1:18:09.720
<v Speaker 1>we're able to capitalize faster. So you know, that's what

1:18:09.880 --> 1:18:11.800
<v Speaker 1>that I model. I try to do that. I try

1:18:11.840 --> 1:18:15.559
<v Speaker 1>to get information and bring it back, you know, piece

1:18:15.640 --> 1:18:18.280
<v Speaker 1>by piece the whole n f T thing we still knew,

1:18:18.360 --> 1:18:21.200
<v Speaker 1>were still researching, but there's so many different things. I'm

1:18:21.240 --> 1:18:23.160
<v Speaker 1>just glad to see that black people are taking the

1:18:23.240 --> 1:18:26.840
<v Speaker 1>initiative to figure out. Listen, we've been we haven't had

1:18:26.960 --> 1:18:28.720
<v Speaker 1>any part of this wealth for so many Like what

1:18:28.800 --> 1:18:30.640
<v Speaker 1>do we need to do? You know? I'm glad that

1:18:30.760 --> 1:18:33.720
<v Speaker 1>that is a constant question. Everywhere I look. There are

1:18:33.760 --> 1:18:38.200
<v Speaker 1>different people who are educating themselves about wealth, about generational wealth,

1:18:38.280 --> 1:18:41.600
<v Speaker 1>about you know, education about how do we continue to

1:18:41.680 --> 1:18:44.439
<v Speaker 1>grow and evolve and get a piece of this pot.

1:18:44.600 --> 1:18:47.000
<v Speaker 1>So thank you for what you do. Thank you for

1:18:47.040 --> 1:18:51.000
<v Speaker 1>the information that you today. Continue to be great queen.

1:18:51.560 --> 1:18:53.920
<v Speaker 1>You know, tell everybody where they can follow you, how

1:18:53.960 --> 1:18:56.400
<v Speaker 1>they can get some of this wealth of knowledge that

1:18:56.560 --> 1:18:59.080
<v Speaker 1>you have. And you know we need you to continue

1:18:59.120 --> 1:19:00.800
<v Speaker 1>to just keep educate cause I'm gonna follow you. I

1:19:00.880 --> 1:19:03.320
<v Speaker 1>need to get some of this matter money that you've got,

1:19:03.520 --> 1:19:07.160
<v Speaker 1>you know, I need awesome. You can definitely go to

1:19:07.200 --> 1:19:09.800
<v Speaker 1>my website not of Money dot com, or you can

1:19:10.000 --> 1:19:12.320
<v Speaker 1>follow me on social media, Miss not of Money. M

1:19:12.520 --> 1:19:15.360
<v Speaker 1>S M A d A M M A y um

1:19:15.520 --> 1:19:17.720
<v Speaker 1>connect with me, follow me. I'd love to give you

1:19:17.800 --> 1:19:21.320
<v Speaker 1>some virtual love um out there. So thanks for having

1:19:21.360 --> 1:19:25.320
<v Speaker 1>me too. I'm following you right now, Miss Madam Money.

1:19:25.439 --> 1:19:28.560
<v Speaker 1>That's M. S. Madam Money and I'm as m A

1:19:28.640 --> 1:19:30.479
<v Speaker 1>D A M M O any y. Some people like

1:19:30.560 --> 1:19:32.000
<v Speaker 1>to put the E in there, but this M A

1:19:32.120 --> 1:19:35.400
<v Speaker 1>D A M M any wise Money. I'm going to

1:19:35.520 --> 1:19:37.680
<v Speaker 1>follow you right now. Thank you again for being with

1:19:37.840 --> 1:19:43.240
<v Speaker 1>us today. Thank you, Queen, Thank you. One man shout

1:19:43.280 --> 1:19:49.439
<v Speaker 1>out to Tarat Jackson Dope Dope individual information. You know,

1:19:49.520 --> 1:19:51.720
<v Speaker 1>we need people like that. Man. It's it's good that

1:19:51.840 --> 1:19:55.840
<v Speaker 1>we have so many people now, especially in our black

1:19:55.920 --> 1:19:58.960
<v Speaker 1>and brown people, who are getting so financial. Literally, like

1:19:59.080 --> 1:20:01.160
<v Speaker 1>before when I was, it wasn't really a thing we

1:20:01.320 --> 1:20:02.920
<v Speaker 1>told on how we're gonna get money, we want to

1:20:02.960 --> 1:20:06.560
<v Speaker 1>buy old things. Now you have people like terror was

1:20:06.600 --> 1:20:08.679
<v Speaker 1>telling you how to keep money, how to make money,

1:20:08.720 --> 1:20:10.760
<v Speaker 1>how to invest money, how to you know, how to

1:20:10.840 --> 1:20:13.479
<v Speaker 1>build credit, how what credit is? You know how to

1:20:13.600 --> 1:20:16.200
<v Speaker 1>utilize things. So you know, our kids are going to

1:20:16.280 --> 1:20:18.080
<v Speaker 1>be better than us, man, So shout out to charl

1:20:18.160 --> 1:20:23.080
<v Speaker 1>for that information. Yeah, these kids are working like crypto

1:20:23.720 --> 1:20:27.439
<v Speaker 1>and they're they're they're literally they know how to do

1:20:27.680 --> 1:20:31.960
<v Speaker 1>online trading. Like I'm online and sometimes I sit up

1:20:32.040 --> 1:20:35.000
<v Speaker 1>late at night and I go into like the dark web,

1:20:35.400 --> 1:20:38.240
<v Speaker 1>which is not really dark, but like this, this whole

1:20:38.479 --> 1:20:41.720
<v Speaker 1>if you will, of just young people who are out

1:20:41.800 --> 1:20:45.240
<v Speaker 1>here learning how to invest, their making money off of

1:20:45.360 --> 1:20:50.040
<v Speaker 1>crypto technology and whatnot, because they're already so much further ahead.

1:20:50.320 --> 1:20:52.840
<v Speaker 1>And I guess we were further ahead than our parents

1:20:53.000 --> 1:20:56.040
<v Speaker 1>on different things as well, you know. So that's a

1:20:56.120 --> 1:20:59.000
<v Speaker 1>good thing. But the more that we instill it and

1:20:59.120 --> 1:21:01.400
<v Speaker 1>the more that we talk about it, the more that

1:21:01.520 --> 1:21:05.479
<v Speaker 1>we make it a part of our everyday lives in

1:21:05.600 --> 1:21:08.240
<v Speaker 1>our households and our families, than our young people are

1:21:08.280 --> 1:21:12.120
<v Speaker 1>gonna become more, as you said, financially literate. They're gonna become,

1:21:12.520 --> 1:21:16.800
<v Speaker 1>you know, just better at um understanding the dollar. And

1:21:16.920 --> 1:21:19.800
<v Speaker 1>I think a part of the thing for us is

1:21:19.880 --> 1:21:22.600
<v Speaker 1>that we have been so very much, so focused on

1:21:23.080 --> 1:21:26.360
<v Speaker 1>understanding our voting rights that most of our young people,

1:21:26.439 --> 1:21:30.120
<v Speaker 1>even if they don't vote, they know there's a time

1:21:30.640 --> 1:21:33.679
<v Speaker 1>when people go to the polls and they cast their vote,

1:21:33.840 --> 1:21:37.719
<v Speaker 1>and they understand that system for the most part. Of course,

1:21:37.760 --> 1:21:41.760
<v Speaker 1>there's many details to the political system that we don't

1:21:41.800 --> 1:21:44.720
<v Speaker 1>know and we have to learn, but we understand the

1:21:44.880 --> 1:21:48.920
<v Speaker 1>fundamental basics. And that's because since the beginning of time

1:21:49.000 --> 1:21:51.160
<v Speaker 1>to come, not of the beginning of time, of course,

1:21:51.240 --> 1:21:55.080
<v Speaker 1>but since um, you know, since we received our voting rights.

1:21:55.400 --> 1:21:58.320
<v Speaker 1>This is something that has been a staple of the

1:21:58.439 --> 1:22:02.000
<v Speaker 1>Black household, to talk about voting for president, to talk about,

1:22:02.240 --> 1:22:04.840
<v Speaker 1>you know, going to the polls, using your right to vote.

1:22:04.880 --> 1:22:07.320
<v Speaker 1>People die for us to be able to vote. So

1:22:07.520 --> 1:22:10.479
<v Speaker 1>now I think the same it applies to how we

1:22:10.640 --> 1:22:14.240
<v Speaker 1>have to instill the same type of messaging in our

1:22:14.400 --> 1:22:17.120
<v Speaker 1>young people and get them in the in the in

1:22:17.240 --> 1:22:20.400
<v Speaker 1>the consciousness and the awareness of what it looks like

1:22:20.600 --> 1:22:24.479
<v Speaker 1>to use your dollar and not just your dollar, but

1:22:24.640 --> 1:22:27.839
<v Speaker 1>your credit for the greater good, not only of yourself,

1:22:27.920 --> 1:22:30.200
<v Speaker 1>but of your entire community. She was to make it

1:22:30.280 --> 1:22:33.040
<v Speaker 1>so many good points. She was talking about how kids

1:22:33.320 --> 1:22:36.599
<v Speaker 1>aren't you know, in certain we talk about how kids

1:22:36.760 --> 1:22:40.200
<v Speaker 1>and aren't thriving. Our kids aren't thriving in the school system.

1:22:40.200 --> 1:22:43.040
<v Speaker 1>And I thought about my son telling me the exact

1:22:43.120 --> 1:22:46.320
<v Speaker 1>same thing. How you know, it's it's is test base.

1:22:46.479 --> 1:22:49.439
<v Speaker 1>Now it's not about you actually learning and things like that.

1:22:49.560 --> 1:22:51.479
<v Speaker 1>And our kids just need to be challenged. And I

1:22:51.560 --> 1:22:54.800
<v Speaker 1>think this new information and just wealth and all these

1:22:54.880 --> 1:22:58.080
<v Speaker 1>things and things that challenges to challenges them and gives

1:22:58.120 --> 1:23:01.560
<v Speaker 1>them more opportunities, but also brings me to my I

1:23:01.600 --> 1:23:10.439
<v Speaker 1>don't get it. You know, being from the inner cities

1:23:10.560 --> 1:23:15.280
<v Speaker 1>and coming from poverished communities, understand how poverty is violence

1:23:16.120 --> 1:23:18.719
<v Speaker 1>and just looking at where we are, like we're dealing

1:23:18.800 --> 1:23:21.120
<v Speaker 1>with so many different things, especially when it comes to

1:23:21.240 --> 1:23:26.080
<v Speaker 1>violence in our communities. Gun violence is at an all

1:23:26.320 --> 1:23:29.640
<v Speaker 1>time high, Like I mean, it's just out of control.

1:23:30.600 --> 1:23:37.960
<v Speaker 1>And I think for me, I don't get how violence,

1:23:38.280 --> 1:23:42.720
<v Speaker 1>gun violence, and all these things has been incentivized to

1:23:42.880 --> 1:23:46.599
<v Speaker 1>our kids. You know, it's it's such a new trend.

1:23:46.720 --> 1:23:50.080
<v Speaker 1>I remember being twelve and thirteen in the quote unquote

1:23:50.120 --> 1:23:52.720
<v Speaker 1>O G S wanted to keep us away from that lifestyle.

1:23:53.240 --> 1:23:55.080
<v Speaker 1>You know, whatever they was doing, they try to make

1:23:55.120 --> 1:23:57.400
<v Speaker 1>sure that we went to school. You know, they gave

1:23:57.479 --> 1:23:59.439
<v Speaker 1>us money to keep us out to school, I mean

1:23:59.479 --> 1:24:02.600
<v Speaker 1>out of this treats. They gave us sports that you know,

1:24:02.680 --> 1:24:06.120
<v Speaker 1>they threw basketball tournaments, They did so many different things.

1:24:06.280 --> 1:24:08.240
<v Speaker 1>Whatever they were trying to do or whatever they were

1:24:08.320 --> 1:24:11.640
<v Speaker 1>engaged in, they definitely wanted to keep us away, you know.

1:24:11.720 --> 1:24:14.639
<v Speaker 1>And I just don't get now how these quote unquote

1:24:14.680 --> 1:24:17.040
<v Speaker 1>O G S or not trying to give the kids

1:24:17.120 --> 1:24:19.719
<v Speaker 1>the game, but they're trying to run game on the kids,

1:24:20.240 --> 1:24:22.320
<v Speaker 1>and they're giving the kids the guns, and they're giving

1:24:22.400 --> 1:24:24.640
<v Speaker 1>them send them out on these dummy missions, and they

1:24:24.680 --> 1:24:28.559
<v Speaker 1>incentivizing them to throw their lives away. Like I literally

1:24:28.640 --> 1:24:32.840
<v Speaker 1>watch on the internet every day whereas either bloggers or

1:24:33.240 --> 1:24:37.840
<v Speaker 1>other people doing things to incite violence with kids, These

1:24:37.880 --> 1:24:41.479
<v Speaker 1>are not growing people. These are seventeen, sixteen, some thirteen

1:24:41.600 --> 1:24:44.439
<v Speaker 1>year old kids. And I just don't get how as

1:24:44.479 --> 1:24:47.760
<v Speaker 1>a grown man that you have. It doesn't bother you,

1:24:47.800 --> 1:24:50.040
<v Speaker 1>it doesn't hurt you, It doesn't make you feel a

1:24:50.200 --> 1:24:54.840
<v Speaker 1>moral responsibility to to protect and shield these kids from

1:24:54.880 --> 1:24:57.280
<v Speaker 1>that lifestyle instead of leading them to it. Well, I

1:24:57.400 --> 1:25:00.639
<v Speaker 1>think it's just on the internet now. I was growing

1:25:00.760 --> 1:25:06.280
<v Speaker 1>up in the housing projects in Harlem Paul Manhattanville. We

1:25:06.600 --> 1:25:10.280
<v Speaker 1>used to watch young people working for the drug dealers.

1:25:10.880 --> 1:25:14.559
<v Speaker 1>Um you know, we used to watch kids ten eleven,

1:25:14.680 --> 1:25:19.519
<v Speaker 1>twelve years old carrying out violence for somebody who put

1:25:19.600 --> 1:25:22.040
<v Speaker 1>them out there to go rob a woman or to

1:25:22.200 --> 1:25:24.680
<v Speaker 1>go be the shooter. We saw it. I mean, there

1:25:24.720 --> 1:25:27.040
<v Speaker 1>are young people, or there are people who are grown

1:25:27.160 --> 1:25:31.240
<v Speaker 1>men in prison today because they listened to somebody when

1:25:31.280 --> 1:25:33.759
<v Speaker 1>they were young tell them to go and do something

1:25:33.840 --> 1:25:36.679
<v Speaker 1>crazy that ended up getting them twenty five years maybe

1:25:36.720 --> 1:25:39.639
<v Speaker 1>even life. I don't think it's really new. I think

1:25:39.720 --> 1:25:43.320
<v Speaker 1>that the same applies to everything that we're watching be

1:25:43.520 --> 1:25:46.479
<v Speaker 1>glorified on TV. Because the one thing I can on

1:25:46.680 --> 1:25:48.600
<v Speaker 1>not on TV, but on your cell phone maybe on

1:25:48.680 --> 1:25:52.000
<v Speaker 1>TV as well. But the one thing I will say

1:25:52.120 --> 1:25:55.439
<v Speaker 1>is that there wasn't a market for it, right, and

1:25:55.560 --> 1:25:59.120
<v Speaker 1>there is a market now, so there it's actually profitable.

1:25:59.560 --> 1:26:02.120
<v Speaker 1>But it was always happening. It's just that there's a

1:26:02.320 --> 1:26:06.360
<v Speaker 1>dollar amount, and as you said, and in an incentive

1:26:06.760 --> 1:26:10.320
<v Speaker 1>that has been placed on the lives, the murder, the brutality,

1:26:10.439 --> 1:26:14.320
<v Speaker 1>the trauma of um young people, of black people, of

1:26:14.439 --> 1:26:18.240
<v Speaker 1>brown people, of poor people. And I think that's where

1:26:18.320 --> 1:26:21.840
<v Speaker 1>we have to focus our attention on. How do we

1:26:22.720 --> 1:26:26.200
<v Speaker 1>make it where it is it is no longer profitable

1:26:26.640 --> 1:26:29.840
<v Speaker 1>for people to kill and make money or to harm

1:26:30.200 --> 1:26:32.560
<v Speaker 1>a woman and be able to get X amount of

1:26:32.640 --> 1:26:35.560
<v Speaker 1>views online that makes them look like they're you know,

1:26:35.640 --> 1:26:38.720
<v Speaker 1>they're popping um. So you know, But but I don't.

1:26:38.840 --> 1:26:41.320
<v Speaker 1>I don't. I don't think that the acts are different.

1:26:41.560 --> 1:26:43.720
<v Speaker 1>I don't I think well, I mean just I think,

1:26:43.760 --> 1:26:46.040
<v Speaker 1>for me, let me cut you off. I think being

1:26:46.360 --> 1:26:49.240
<v Speaker 1>in the street right, being from the streets right, I

1:26:49.400 --> 1:26:52.240
<v Speaker 1>think there was a disdain for that. I don't think

1:26:52.720 --> 1:26:56.160
<v Speaker 1>that it wasn't happening. Let me change that's not that

1:26:56.280 --> 1:27:00.519
<v Speaker 1>it wasn't happening. Those people weren't celebrated. The people who

1:27:00.560 --> 1:27:03.120
<v Speaker 1>were doing that, that were praying on the children, they

1:27:03.200 --> 1:27:06.560
<v Speaker 1>weren't celebrated like you weren't supposedly an O G. And

1:27:06.640 --> 1:27:08.960
<v Speaker 1>you had eleven year olds, a ten year old was

1:27:09.040 --> 1:27:11.160
<v Speaker 1>working for you in the rest of the ogs just

1:27:11.240 --> 1:27:14.120
<v Speaker 1>like you was cool with. That wasn't something that was happening.

1:27:14.200 --> 1:27:16.240
<v Speaker 1>Like when when when I was a young dude and

1:27:16.320 --> 1:27:18.640
<v Speaker 1>we was outside, they wasn't getting us at eleven and

1:27:18.680 --> 1:27:21.360
<v Speaker 1>twelve years old, they just wasn't. There wasn't it was

1:27:21.439 --> 1:27:23.200
<v Speaker 1>ogs like, yo, you know what are you doing? Man?

1:27:23.479 --> 1:27:25.639
<v Speaker 1>Take your ass. They was trying to keep you off

1:27:25.680 --> 1:27:29.000
<v Speaker 1>the streets. I mean, that's just I think they were.

1:27:29.520 --> 1:27:33.080
<v Speaker 1>I think you grew up in a different type of

1:27:33.160 --> 1:27:37.400
<v Speaker 1>community with different issues, even in the same city, because

1:27:37.479 --> 1:27:42.360
<v Speaker 1>where I grew up, it was celebrated. There were older folks,

1:27:42.479 --> 1:27:47.680
<v Speaker 1>older men in particular, who prayed on the women that

1:27:47.800 --> 1:27:51.120
<v Speaker 1>they were sleeping with or the women who were crackheads

1:27:51.400 --> 1:27:53.719
<v Speaker 1>living in the building. I don't know if we're supposed

1:27:53.720 --> 1:27:57.280
<v Speaker 1>to call them crackheads. It's probably a more politically correct

1:27:57.520 --> 1:28:01.400
<v Speaker 1>term and more respectable current term. But they were addicted

1:28:01.479 --> 1:28:05.320
<v Speaker 1>to crack um. There were people like that. The folks

1:28:05.400 --> 1:28:09.280
<v Speaker 1>preyed on and they used their children, They used their children,

1:28:09.600 --> 1:28:11.920
<v Speaker 1>and and and it and it was and it wasn't.

1:28:12.120 --> 1:28:16.800
<v Speaker 1>There was no outrage in our community other than the

1:28:16.880 --> 1:28:19.479
<v Speaker 1>few parents, of which my parents, my parents were a

1:28:19.600 --> 1:28:23.519
<v Speaker 1>part of. But it wasn't like everybody in the community

1:28:23.680 --> 1:28:28.000
<v Speaker 1>was like, hell, no, this is not acceptable. Yeah, well,

1:28:28.240 --> 1:28:30.479
<v Speaker 1>I guess, like you said, maybe I was in a

1:28:30.560 --> 1:28:33.439
<v Speaker 1>different part, But I know that most of the the

1:28:33.520 --> 1:28:35.439
<v Speaker 1>O G s and even the ones that was hustling

1:28:35.479 --> 1:28:38.080
<v Speaker 1>around us, they didn't They didn't allow you to pray

1:28:38.280 --> 1:28:41.040
<v Speaker 1>on children and women. They just did. It just wasn't

1:28:41.120 --> 1:28:44.560
<v Speaker 1>something that was okay. You know. Now you definitely you

1:28:44.760 --> 1:28:49.760
<v Speaker 1>definitely could not shoot in a park or while people

1:28:49.800 --> 1:28:53.320
<v Speaker 1>were outside sitting on the bench. That was like, you know,

1:28:53.520 --> 1:28:55.880
<v Speaker 1>you were exiled from the whole hood if if you

1:28:56.000 --> 1:28:58.559
<v Speaker 1>did that, that's a new thing where you just shooting

1:28:58.600 --> 1:29:01.360
<v Speaker 1>in four year olds and five year olds are being hurt.

1:29:01.800 --> 1:29:05.800
<v Speaker 1>We didn't have that, Yeah, I mean I just for me,

1:29:06.000 --> 1:29:08.599
<v Speaker 1>I don't I didn't know as many thirteen and fourteen

1:29:08.640 --> 1:29:10.840
<v Speaker 1>year old shooters that I know to that. Like when

1:29:10.840 --> 1:29:13.040
<v Speaker 1>I was younger, we were thirteen, We was having fun.

1:29:13.160 --> 1:29:16.680
<v Speaker 1>We was playing basketball, We was playing football, you know

1:29:16.720 --> 1:29:19.120
<v Speaker 1>what I'm saying. We was into different things. We had

1:29:19.280 --> 1:29:21.320
<v Speaker 1>something else that we were doing. There was a couple

1:29:21.800 --> 1:29:24.799
<v Speaker 1>one or two that you know, there was like heavily

1:29:24.960 --> 1:29:26.439
<v Speaker 1>doing ship that we was like what are you doing

1:29:26.520 --> 1:29:29.120
<v Speaker 1>that for? But for the most part, at thirteen and fourteen,

1:29:29.200 --> 1:29:32.320
<v Speaker 1>we still had some level of a childhood, you know,

1:29:32.479 --> 1:29:35.360
<v Speaker 1>And I'm watching these thirteen and fourteen years now, they've

1:29:35.520 --> 1:29:38.599
<v Speaker 1>literally stripped them of a childhood and moved them into

1:29:38.760 --> 1:29:42.680
<v Speaker 1>Delwood and then adult facilities facing life, you know. So

1:29:43.000 --> 1:29:46.800
<v Speaker 1>you know, I'm still of the mind state that we

1:29:46.880 --> 1:29:50.080
<v Speaker 1>gotta protect our children, man, And I just I maybe

1:29:50.200 --> 1:29:53.240
<v Speaker 1>it was happening, maybe I was shielded. Maybe you know,

1:29:53.479 --> 1:29:55.960
<v Speaker 1>I was I was lucky to be around what I

1:29:56.080 --> 1:29:59.240
<v Speaker 1>call real o gs that protected us. But I still

1:29:59.280 --> 1:30:01.439
<v Speaker 1>don't get it. I still don't get how it is

1:30:01.520 --> 1:30:04.639
<v Speaker 1>the new thing, you know, how it's just pretty much

1:30:05.120 --> 1:30:10.080
<v Speaker 1>just advocated for and promoters or how they well, on

1:30:10.240 --> 1:30:13.120
<v Speaker 1>that note, one thing I could say that what they say.

1:30:13.280 --> 1:30:16.479
<v Speaker 1>One thing that's for sure, and two things that's for

1:30:16.600 --> 1:30:19.880
<v Speaker 1>certain is that you're going to work very hard on

1:30:20.040 --> 1:30:25.120
<v Speaker 1>trying to end the culture that is unfortunately creeping into

1:30:25.240 --> 1:30:28.120
<v Speaker 1>our communities. And you know, I'm proud to see you

1:30:28.280 --> 1:30:31.920
<v Speaker 1>really focus and sort of hone in on what your

1:30:32.120 --> 1:30:36.080
<v Speaker 1>contribution will be um to society. You know, we're all

1:30:36.160 --> 1:30:38.639
<v Speaker 1>in the fight, but each one of us has different

1:30:38.760 --> 1:30:42.120
<v Speaker 1>areas that really move us and for you. This this

1:30:42.400 --> 1:30:46.479
<v Speaker 1>culture is violent culture. Uh, the culture of of turning

1:30:46.520 --> 1:30:49.640
<v Speaker 1>our young people into these freaking I don't know what

1:30:49.800 --> 1:30:51.840
<v Speaker 1>you call them. I mean, I don't even want to

1:30:51.960 --> 1:30:55.320
<v Speaker 1>use the words to describe. But the pain and the

1:30:55.600 --> 1:30:59.560
<v Speaker 1>trauma that's being caused is very demonic um and I

1:30:59.640 --> 1:31:02.360
<v Speaker 1>think the only way we can fix it is having

1:31:02.479 --> 1:31:06.280
<v Speaker 1>individuals like yourself and a host of others coming together

1:31:06.439 --> 1:31:10.200
<v Speaker 1>constantly wrapping our arms around our young people. That's right,

1:31:10.600 --> 1:31:14.320
<v Speaker 1>Boycott Black murder Man. We're not We're not standing for

1:31:15.280 --> 1:31:17.960
<v Speaker 1>the detriment of our babies. No more, you're not praying

1:31:18.000 --> 1:31:20.519
<v Speaker 1>on our kids. We're not calling you O g S.

1:31:20.600 --> 1:31:23.599
<v Speaker 1>We're not respecting you. We're not doing anything if you're

1:31:23.680 --> 1:31:27.479
<v Speaker 1>detrimental to our community. So with that said, we had

1:31:27.520 --> 1:31:32.800
<v Speaker 1>another dope episode Politicians, our first episode back after the

1:31:32.880 --> 1:31:37.080
<v Speaker 1>New Year two. We look forward to being a number

1:31:37.120 --> 1:31:41.320
<v Speaker 1>one podcast in the world. We're speaking into business because

1:31:41.720 --> 1:31:44.519
<v Speaker 1>words become things, and we want to say thank you

1:31:44.960 --> 1:31:48.000
<v Speaker 1>for supporting the Slash year. We're gonna do bigger and

1:31:48.160 --> 1:31:50.960
<v Speaker 1>greater things this year. You got anything you want us

1:31:50.960 --> 1:31:53.400
<v Speaker 1>to talk about, anything, make sure that you hit us

1:31:53.439 --> 1:31:56.760
<v Speaker 1>on street. Politicians pot on Instagram, d m us send

1:31:56.840 --> 1:31:59.760
<v Speaker 1>us information if you have any products you know we

1:32:00.080 --> 1:32:03.600
<v Speaker 1>definitely you gotta have a real business, so you have

1:32:03.680 --> 1:32:07.759
<v Speaker 1>a real business. We showcase small businesses on this platform,

1:32:07.880 --> 1:32:10.200
<v Speaker 1>so we just want to continue to grow. Man, thank you.

1:32:10.439 --> 1:32:13.080
<v Speaker 1>We hope that this year is better than last year.

1:32:13.520 --> 1:32:15.720
<v Speaker 1>And like we always say, I'm not gonna always be

1:32:15.880 --> 1:32:18.559
<v Speaker 1>right to me. It's not gonna always be wrong when

1:32:18.600 --> 1:32:21.920
<v Speaker 1>we both always and I mean always be on there