1 00:00:05,000 --> 00:00:06,559 Speaker 1: Welcome to Money Making Conversations. 2 00:00:06,640 --> 00:00:08,440 Speaker 2: It's the show that she is the secrets of success 3 00:00:08,440 --> 00:00:11,960 Speaker 2: experience firsthand by marketing and Brandon expert Rashan McDonald. I 4 00:00:12,000 --> 00:00:14,400 Speaker 2: will know he's giving me advice on many occasions. And 5 00:00:14,440 --> 00:00:17,440 Speaker 2: in case you didn't notice, I'm not broke. You know 6 00:00:17,480 --> 00:00:21,240 Speaker 2: he'll be interviewing celebrity CEOs, entrepreneurs and industry decision make 7 00:00:21,239 --> 00:00:23,119 Speaker 2: because it's what he likes to do, it's what he 8 00:00:23,280 --> 00:00:25,919 Speaker 2: likes to share. Now it's time to hear from my man, 9 00:00:26,400 --> 00:00:28,680 Speaker 2: Rashan McDonald money Making Conversations. 10 00:00:28,960 --> 00:00:32,800 Speaker 1: Here we go. I'm so happy you come back. The 11 00:00:33,200 --> 00:00:35,000 Speaker 1: people who come and listen to my show. This, of 12 00:00:35,040 --> 00:00:38,400 Speaker 1: course is Rashan McDonald's speaking and our host this weekly 13 00:00:38,520 --> 00:00:41,280 Speaker 1: money Making Conversation masterclass show. Now, I tell everybody, the 14 00:00:41,400 --> 00:00:44,839 Speaker 1: interviews and information that this show provides are for everyone. 15 00:00:45,280 --> 00:00:47,720 Speaker 1: And really, if you have not heard me say this, 16 00:00:47,760 --> 00:00:50,800 Speaker 1: I'm telling to you again it's time to stop reading 17 00:00:50,880 --> 00:00:54,640 Speaker 1: other people's success stories and start living your own. My 18 00:00:54,720 --> 00:00:58,720 Speaker 1: guess is Ashley Joy Boyd. Born and raised in Detroit, Michigan, 19 00:00:58,800 --> 00:01:01,560 Speaker 1: Ashley jeye Board has made the name for herself as 20 00:01:01,600 --> 00:01:05,080 Speaker 1: a Grammy nominee music producer and composer. She is the 21 00:01:05,240 --> 00:01:08,960 Speaker 1: co writer behind Justin Beaver's hit Yummy, and she's also 22 00:01:09,000 --> 00:01:11,280 Speaker 1: a real estate developer. Now with the release of her 23 00:01:11,319 --> 00:01:14,720 Speaker 1: book who Can Handle the she can add the title 24 00:01:14,840 --> 00:01:17,959 Speaker 1: author because she foiled bankruptcy and had to return to 25 00:01:18,040 --> 00:01:21,720 Speaker 1: financial help, so she wrote this book Financially Fly mass Stream, 26 00:01:21,800 --> 00:01:24,800 Speaker 1: Money and Wealth for Women. Please welcome to Money Making 27 00:01:24,800 --> 00:01:30,920 Speaker 1: Conversations Masterclass. Ashley Boyd. How you doing, Ashley, I'm amazing son. 28 00:01:31,000 --> 00:01:32,360 Speaker 3: Thank you so much for having me. 29 00:01:32,760 --> 00:01:37,080 Speaker 1: Wow, can you give us some timelines you know of this? Well, 30 00:01:37,160 --> 00:01:39,600 Speaker 1: let let's let's let me let me start back. Let's 31 00:01:39,680 --> 00:01:42,400 Speaker 1: not go into the bankruptcy. Let's talk about the good times. 32 00:01:42,440 --> 00:01:46,280 Speaker 1: You know, uh, you know, songwriter, you know, because I'm 33 00:01:46,319 --> 00:01:48,680 Speaker 1: an entertainment and I can't sing elect but I have 34 00:01:49,080 --> 00:01:53,080 Speaker 1: been in music radio, uh syndicated radio with Steve Harvey, 35 00:01:53,160 --> 00:01:56,360 Speaker 1: so I've made a lot of famous music artists from 36 00:01:56,440 --> 00:02:00,720 Speaker 1: Kim to uh to uh, Jill Scott to Mary J. 37 00:02:00,880 --> 00:02:06,040 Speaker 1: Blyde to John Legend. Now you are a songwriter. What 38 00:02:06,200 --> 00:02:06,600 Speaker 1: is that? 39 00:02:08,560 --> 00:02:08,720 Speaker 4: Oh? 40 00:02:08,760 --> 00:02:12,600 Speaker 3: My goodness? So songwriter. We are responsible for lyrics and 41 00:02:12,680 --> 00:02:16,480 Speaker 3: melody that accompany production. It is the heart and soul 42 00:02:16,560 --> 00:02:19,840 Speaker 3: of a song. It's what makes it memorable, it's what 43 00:02:19,919 --> 00:02:24,640 Speaker 3: makes it lasting, it's your favorite lyric. Songwriting is the 44 00:02:24,760 --> 00:02:26,880 Speaker 3: most important element of a song to me. 45 00:02:27,919 --> 00:02:31,280 Speaker 1: So do you have to have any musical skills as 46 00:02:31,320 --> 00:02:35,320 Speaker 1: a songwriter, like play a piano, play an instrument? Do 47 00:02:35,360 --> 00:02:37,240 Speaker 1: you have to do you have that level of talent 48 00:02:37,280 --> 00:02:38,040 Speaker 1: as a songwriter. 49 00:02:39,480 --> 00:02:42,240 Speaker 3: I do not play instruments. It would help, it would 50 00:02:42,240 --> 00:02:45,520 Speaker 3: help a lot, but I'm just led by by melody. 51 00:02:45,560 --> 00:02:49,160 Speaker 3: I would create by listening to tracks that were made 52 00:02:49,160 --> 00:02:52,440 Speaker 3: by other people, and I would just tune in, meditate, 53 00:02:52,480 --> 00:02:54,520 Speaker 3: and I would let the melodies come to me. The 54 00:02:54,600 --> 00:02:58,080 Speaker 3: lyrics would come soon after. It's a process that is 55 00:02:58,280 --> 00:03:00,960 Speaker 3: very unique to every single song, right. Everybody has their 56 00:03:01,000 --> 00:03:04,560 Speaker 3: different methods of getting the greatness out. But for me, 57 00:03:04,639 --> 00:03:07,200 Speaker 3: it was it was somewhat of like a spiritual, you know, 58 00:03:07,320 --> 00:03:10,800 Speaker 3: process of just really tapping in and being a channel 59 00:03:11,360 --> 00:03:14,440 Speaker 3: to download you know, these thoughts and these melodies. 60 00:03:15,000 --> 00:03:18,000 Speaker 1: Now, they tell me, now, the real money in the 61 00:03:18,240 --> 00:03:22,880 Speaker 1: in the music game is in writing and publishing. Correct. 62 00:03:23,520 --> 00:03:27,359 Speaker 3: Listen, that is one hundred percent correct? Yes, yes, can you. 63 00:03:27,320 --> 00:03:31,080 Speaker 1: Explain to my audience exactly what that is? Because you know, 64 00:03:31,400 --> 00:03:33,080 Speaker 1: you can be the Old Jays and be singing the 65 00:03:33,160 --> 00:03:35,400 Speaker 1: number one hit. But that don't mean you making the 66 00:03:35,520 --> 00:03:37,160 Speaker 1: number one hit money. Is that correct? 67 00:03:38,320 --> 00:03:41,880 Speaker 3: Right? So it's my experience that as an artist, unless 68 00:03:41,880 --> 00:03:45,080 Speaker 3: you are writing your own material, as an artist, you 69 00:03:45,200 --> 00:03:47,440 Speaker 3: kind of wind up working for the company that you're 70 00:03:47,480 --> 00:03:50,160 Speaker 3: signing to make the majority of your money on shows, 71 00:03:50,600 --> 00:03:53,720 Speaker 3: which means you are constantly on the road. You're constantly working, 72 00:03:53,960 --> 00:03:58,520 Speaker 3: and it's you know, it's glamorized, but the real lucrative 73 00:03:58,560 --> 00:04:00,320 Speaker 3: side of the business for me is the bad. Second. 74 00:04:00,440 --> 00:04:04,160 Speaker 3: I own a music publishing company, so it's the collecting 75 00:04:04,200 --> 00:04:07,680 Speaker 3: of the fees worldwide every time the song is played 76 00:04:07,920 --> 00:04:10,960 Speaker 3: across the globe. You know, that's that's where the money is. 77 00:04:11,360 --> 00:04:13,400 Speaker 1: Yeah, you know, because I was. I was at this 78 00:04:13,560 --> 00:04:18,279 Speaker 1: event this past weekend and Frankie Beverly and from ADS 79 00:04:18,440 --> 00:04:20,760 Speaker 1: was being honored and he said his very first contract, 80 00:04:21,200 --> 00:04:26,000 Speaker 1: he kept the rights to his publishing. Okay, rights to 81 00:04:26,080 --> 00:04:30,240 Speaker 1: his publishing. And so it's explained to me exactly how 82 00:04:30,279 --> 00:04:33,280 Speaker 1: because you said that really casually said, every time that 83 00:04:33,440 --> 00:04:36,840 Speaker 1: song's play, they get paid. How do they track. 84 00:04:36,720 --> 00:04:41,440 Speaker 3: That they have systems in place, they have satellite in 85 00:04:41,560 --> 00:04:44,120 Speaker 3: the sky. I you know, I don't know all of 86 00:04:44,200 --> 00:04:48,360 Speaker 3: the technicalities right there are there. There's several have several 87 00:04:48,560 --> 00:04:53,159 Speaker 3: several different firms that track every single time your song 88 00:04:53,320 --> 00:04:56,640 Speaker 3: is played, every time it is streams, every time it 89 00:04:56,680 --> 00:05:00,880 Speaker 3: appears on television or on the internet, you know, every 90 00:05:00,880 --> 00:05:03,520 Speaker 3: time you have to upload a song on social media. 91 00:05:03,800 --> 00:05:06,680 Speaker 3: They track every single time and every single spin and 92 00:05:06,720 --> 00:05:07,560 Speaker 3: it's monetized. 93 00:05:09,160 --> 00:05:12,279 Speaker 1: Wow. The interesting thing about that is that you know 94 00:05:12,320 --> 00:05:14,120 Speaker 1: when I when I because we're all trying to make 95 00:05:14,160 --> 00:05:16,080 Speaker 1: money in my name and my show with money making 96 00:05:16,080 --> 00:05:22,240 Speaker 1: comes age master class, you know, because I hear I'm 97 00:05:22,279 --> 00:05:25,480 Speaker 1: trying to say this correctly. Because when I got an entertainment, 98 00:05:25,520 --> 00:05:28,080 Speaker 1: I wanted to be a stand up comic, okay, And 99 00:05:28,400 --> 00:05:30,479 Speaker 1: I can't sing, I can't dance. I think I can sing, 100 00:05:30,520 --> 00:05:35,200 Speaker 1: and I know I can't dance, okay, And so I'm 101 00:05:36,320 --> 00:05:40,680 Speaker 1: don't even go there. I'm a I'm horrible okay. And 102 00:05:40,760 --> 00:05:43,480 Speaker 1: so but as a stand up I was really good, 103 00:05:43,640 --> 00:05:45,920 Speaker 1: you know, but I couldn't act though I could. I could, 104 00:05:45,960 --> 00:05:46,280 Speaker 1: I could. 105 00:05:47,040 --> 00:05:47,400 Speaker 4: That was that. 106 00:05:47,600 --> 00:05:50,360 Speaker 1: I was very funny. But eventually you move on to 107 00:05:50,480 --> 00:05:53,760 Speaker 1: different skill levels. Okay. As a songwriter, was that your 108 00:05:53,760 --> 00:05:55,960 Speaker 1: original journey? 109 00:05:56,400 --> 00:05:59,520 Speaker 3: No? Actually, I was I'm a product of an entertainment household. 110 00:05:59,600 --> 00:06:02,240 Speaker 3: My mother I was a singer in Detroit in the seventies. 111 00:06:02,240 --> 00:06:04,799 Speaker 3: She singing a girl group. My father managed her group. 112 00:06:05,160 --> 00:06:07,400 Speaker 3: So growing up I had plaques on the wall and 113 00:06:07,440 --> 00:06:09,520 Speaker 3: I got the best of both worlds. I saw my 114 00:06:09,600 --> 00:06:12,080 Speaker 3: mom on stage and I saw my father handling all 115 00:06:12,120 --> 00:06:14,839 Speaker 3: of the business, and as a young girl, I leaned 116 00:06:14,839 --> 00:06:17,920 Speaker 3: towards the business. I really wanted to understand the workings 117 00:06:17,920 --> 00:06:21,520 Speaker 3: of the entertainment industry, and the older I got, you know, 118 00:06:21,600 --> 00:06:25,800 Speaker 3: I turned my poems and my writing into songs, and 119 00:06:25,839 --> 00:06:28,359 Speaker 3: I would go to lay my songs down in the 120 00:06:28,400 --> 00:06:31,479 Speaker 3: studio and I would get offers to people tell me 121 00:06:31,520 --> 00:06:34,120 Speaker 3: you need to sing, you should do this, And I 122 00:06:34,200 --> 00:06:37,839 Speaker 3: was offered a record deal from Murder Inc. My first 123 00:06:37,839 --> 00:06:40,560 Speaker 3: project had a song out with Ja Rohl called Body, 124 00:06:41,560 --> 00:06:45,279 Speaker 3: and that was my introduction to the music industry. The 125 00:06:45,360 --> 00:06:50,400 Speaker 3: songs did amazing, and at around that time I was 126 00:06:50,440 --> 00:06:54,520 Speaker 3: offered a publishing deal, and unlike Frankie Beverly, they wanted 127 00:06:54,600 --> 00:06:59,320 Speaker 3: seventy five percent of my publishing. So me understanding the business, 128 00:06:59,400 --> 00:07:02,360 Speaker 3: I turned that deal down and I had my one 129 00:07:02,440 --> 00:07:06,479 Speaker 3: song out and I moved on from that situation. It 130 00:07:06,600 --> 00:07:09,080 Speaker 3: was very interesting because to have a passion for the 131 00:07:09,120 --> 00:07:11,360 Speaker 3: industry and to have an opportunity in front of you, 132 00:07:12,000 --> 00:07:14,040 Speaker 3: but the business isn't right. It's just you know, it 133 00:07:14,120 --> 00:07:15,840 Speaker 3: makes you look in the mirror and question a lot 134 00:07:15,840 --> 00:07:17,560 Speaker 3: of stuff. But I went with my heart on that one, 135 00:07:17,680 --> 00:07:21,200 Speaker 3: and you know today I own my own publishing company, 136 00:07:21,200 --> 00:07:22,760 Speaker 3: so it was definitely the right decision. 137 00:07:23,000 --> 00:07:25,600 Speaker 1: Okay, cool, Now this is really interesting because the whole 138 00:07:25,600 --> 00:07:29,040 Speaker 1: publisher because in my intro, I say, Grammy nominee music 139 00:07:29,120 --> 00:07:34,520 Speaker 1: producer composer Justin Beaver's hit Yummy. How do you get 140 00:07:34,560 --> 00:07:38,440 Speaker 1: a song to Justin Beever, how does Ashley George Boy 141 00:07:38,680 --> 00:07:39,960 Speaker 1: get a song that Justin Beefer? 142 00:07:41,800 --> 00:07:43,960 Speaker 3: Well, that for ask we joy Boy. That one is 143 00:07:44,280 --> 00:07:47,000 Speaker 3: that is a one phone call. My husband has been 144 00:07:47,160 --> 00:07:53,080 Speaker 3: Justin Bieber's main collaborator for you, so that one, that 145 00:07:53,160 --> 00:07:57,240 Speaker 3: one came through my husband, Pool Bear and him and 146 00:07:57,280 --> 00:08:01,600 Speaker 3: I work together musically before he even started working with Justin, 147 00:08:01,800 --> 00:08:04,400 Speaker 3: so you know, that one was a long time coming. 148 00:08:04,400 --> 00:08:06,920 Speaker 3: I worked on a few different songs on the Purpose album, 149 00:08:07,000 --> 00:08:10,320 Speaker 3: a few different songs on the Journal's album, but Yummy 150 00:08:10,360 --> 00:08:13,120 Speaker 3: was the one that got the most traction. So that 151 00:08:13,240 --> 00:08:15,320 Speaker 3: was a that was a shoeing for me. I'm very 152 00:08:15,360 --> 00:08:16,000 Speaker 3: grateful for that. 153 00:08:16,360 --> 00:08:18,800 Speaker 1: But you don't don't know, kind of like you shin 154 00:08:18,880 --> 00:08:21,000 Speaker 1: away way up through my husband. It was the hook up. 155 00:08:21,120 --> 00:08:24,240 Speaker 1: But you know, I'm gonna tell you something. People could 156 00:08:24,240 --> 00:08:26,600 Speaker 1: say no, you know, and then you have to put 157 00:08:26,640 --> 00:08:28,920 Speaker 1: something in front of somebody for them to say yeah. 158 00:08:29,280 --> 00:08:31,800 Speaker 1: And I want to I want to bring that up 159 00:08:31,840 --> 00:08:34,120 Speaker 1: to people. You know a lot of times in life, 160 00:08:34,160 --> 00:08:36,240 Speaker 1: you know, people alwaysay shine you do a lot, you know, 161 00:08:36,360 --> 00:08:38,920 Speaker 1: like I like baking and I like that anytime. I 162 00:08:38,960 --> 00:08:41,439 Speaker 1: would tell you if you if you cracked that door 163 00:08:42,000 --> 00:08:44,559 Speaker 1: and you allowed me to put my foot in the door, 164 00:08:44,840 --> 00:08:47,800 Speaker 1: I must mention you slide my whole leg in that door. 165 00:08:49,000 --> 00:08:51,000 Speaker 1: And then if I got my leg in there, the 166 00:08:51,040 --> 00:08:54,199 Speaker 1: body gonna show up. Okay, And so you know what 167 00:08:54,200 --> 00:08:56,760 Speaker 1: I'm saying. So so when you say that, that's a 168 00:08:56,760 --> 00:09:00,319 Speaker 1: perfect example of this yummy your husband he were with 169 00:09:00,640 --> 00:09:04,800 Speaker 1: justin Bieber. Okay, husband, I got this ng over. Okay, 170 00:09:04,880 --> 00:09:06,360 Speaker 1: you have to convince him because you don't want to 171 00:09:06,360 --> 00:09:07,800 Speaker 1: look at he said. That's not a good baby. That's 172 00:09:07,800 --> 00:09:10,000 Speaker 1: not good baby. That's how good baby? When you're gonna 173 00:09:10,080 --> 00:09:11,760 Speaker 1: let him here? When you're gonna let him here. And 174 00:09:11,840 --> 00:09:15,920 Speaker 1: then he eventually hears it. So what he says, I 175 00:09:16,120 --> 00:09:18,600 Speaker 1: like this, I want to do something with it. Where 176 00:09:18,640 --> 00:09:21,200 Speaker 1: are you at emotionally or where you were? Where were 177 00:09:21,240 --> 00:09:22,119 Speaker 1: you at emotionally? 178 00:09:23,080 --> 00:09:27,559 Speaker 3: Gosh at that point on ten, I'm like, it's about time. 179 00:09:27,600 --> 00:09:29,800 Speaker 3: But I have to go back my husband when he 180 00:09:29,880 --> 00:09:32,280 Speaker 3: met me. I you know, he met me around the 181 00:09:32,320 --> 00:09:34,800 Speaker 3: time I had my deal with Murder, Inc. And the 182 00:09:34,880 --> 00:09:36,840 Speaker 3: reason that they signed me and worked with me is 183 00:09:36,840 --> 00:09:39,000 Speaker 3: because I was a writer. They embraced me as a 184 00:09:39,000 --> 00:09:41,960 Speaker 3: writer first, even before an artist. So I mean he 185 00:09:42,080 --> 00:09:44,640 Speaker 3: respects my path as well. And it's you know, he's 186 00:09:44,679 --> 00:09:47,440 Speaker 3: he's such a legend. So to stand up next to him, 187 00:09:48,679 --> 00:09:51,200 Speaker 3: you know, in a in a in a non competitive form, 188 00:09:51,320 --> 00:09:53,840 Speaker 3: you know, it was just it was a great opportunity. 189 00:09:53,840 --> 00:09:56,720 Speaker 3: But he respects my artistry as well. So it works out. 190 00:09:57,320 --> 00:09:59,560 Speaker 1: Now, this is a happy part of the conversation. Ladies 191 00:09:59,600 --> 00:10:02,760 Speaker 1: and gentlemen. You know you know her name of her 192 00:10:02,920 --> 00:10:09,040 Speaker 1: her book is Financial fly Mastering Money, Wealth, Money and 193 00:10:09,080 --> 00:10:12,880 Speaker 1: Wealth for Women. Financially fly Mastering Money and Wealth for Women. 194 00:10:13,640 --> 00:10:17,200 Speaker 1: You file bankruptcy at one time in your life? Correct? 195 00:10:18,040 --> 00:10:21,040 Speaker 3: I did? I did? I? Thought the world had ended 196 00:10:21,200 --> 00:10:24,240 Speaker 3: for me. It was the most devastating thing. During the 197 00:10:24,720 --> 00:10:28,000 Speaker 3: housing crash in eight I was upside down in a 198 00:10:28,160 --> 00:10:31,280 Speaker 3: house and I was very young. I had no direction, 199 00:10:31,520 --> 00:10:34,000 Speaker 3: I had no guidance. I did not know how to 200 00:10:34,120 --> 00:10:37,000 Speaker 3: work the system in my favor. And it forced me 201 00:10:37,040 --> 00:10:39,840 Speaker 3: to file bankruptcy. And you know, they say that stays 202 00:10:39,840 --> 00:10:42,520 Speaker 3: on your credit seven to ten years. Oh, you won't 203 00:10:42,520 --> 00:10:45,240 Speaker 3: be able to get another mortgage. Your interest rates on 204 00:10:45,320 --> 00:10:47,560 Speaker 3: everything are going to be high for the rest of 205 00:10:47,600 --> 00:10:49,480 Speaker 3: your life. You know. I just I thought that that 206 00:10:49,679 --> 00:10:51,600 Speaker 3: was the end of the road, and I was so young. 207 00:10:52,600 --> 00:10:56,480 Speaker 3: I was devastated. But that really it forced me to research, 208 00:10:57,160 --> 00:11:00,280 Speaker 3: and it forced me to learn the hard way, you know, 209 00:11:00,320 --> 00:11:04,120 Speaker 3: how to protect myself going forward. And you know, it 210 00:11:04,160 --> 00:11:08,120 Speaker 3: was a pivotal moment because it just changed my trajectory. 211 00:11:08,200 --> 00:11:10,839 Speaker 3: You know, it changed how I looked at my relationship 212 00:11:10,880 --> 00:11:13,160 Speaker 3: with money, you know, and it made me just lock 213 00:11:13,240 --> 00:11:15,959 Speaker 3: in and have to make decisions that were going to 214 00:11:16,000 --> 00:11:17,120 Speaker 3: protect me in the future. 215 00:11:17,800 --> 00:11:20,760 Speaker 1: Now we said protect yourself in the future. Let's go 216 00:11:20,840 --> 00:11:24,120 Speaker 1: back for a minute, Like I have been overprotective of 217 00:11:24,160 --> 00:11:27,320 Speaker 1: my credit over the years. You know, my daughter is 218 00:11:27,360 --> 00:11:30,400 Speaker 1: exactly the same way she she'll tell me, She'll tell 219 00:11:30,440 --> 00:11:34,000 Speaker 1: you a credit score. That's how she looks it up. 220 00:11:34,000 --> 00:11:36,600 Speaker 1: Every week day, credit score goes up. Dad, if I 221 00:11:36,640 --> 00:11:38,920 Speaker 1: do this, and so so I like to believe I've 222 00:11:38,920 --> 00:11:41,040 Speaker 1: got to focus in the right direction. She's not going 223 00:11:41,080 --> 00:11:43,280 Speaker 1: to mess up. The staple of what you need to 224 00:11:43,320 --> 00:11:46,200 Speaker 1: do business in his life in this world is good credit. 225 00:11:46,640 --> 00:11:49,600 Speaker 1: So how are we able to climb out of that mess? 226 00:11:51,120 --> 00:11:55,080 Speaker 3: It just took time, and it took a very diligent, persistent, 227 00:11:55,360 --> 00:11:59,400 Speaker 3: you know, mindset to sacrifice when I needed to, and 228 00:11:59,400 --> 00:12:00,839 Speaker 3: and to know that it was going to be a 229 00:12:00,920 --> 00:12:02,640 Speaker 3: labor of love, that it was going to take time. 230 00:12:03,679 --> 00:12:06,000 Speaker 3: I'm like your daughter. I checked my credit score all 231 00:12:06,120 --> 00:12:08,600 Speaker 3: the time. Not just I need I need to see 232 00:12:08,640 --> 00:12:12,920 Speaker 3: that the number makes sense. But it's a commitment. And 233 00:12:12,960 --> 00:12:15,160 Speaker 3: these are things that we are not well. I wasn't 234 00:12:15,200 --> 00:12:17,559 Speaker 3: taught this in high school, you know, and money is 235 00:12:17,600 --> 00:12:20,720 Speaker 3: a very taboo topic and a lot of households, especially 236 00:12:20,760 --> 00:12:22,920 Speaker 3: in our culture. So that's part of the reason that 237 00:12:22,960 --> 00:12:26,040 Speaker 3: I wanted to create the book was just to create 238 00:12:26,040 --> 00:12:30,360 Speaker 3: an environment for engaging conversations where people know, you know, 239 00:12:30,720 --> 00:12:33,800 Speaker 3: mistakes that I made that they may not make the 240 00:12:33,840 --> 00:12:34,679 Speaker 3: same mistakes. 241 00:12:34,960 --> 00:12:38,400 Speaker 1: You know, the interesting thing is about money management is 242 00:12:38,440 --> 00:12:43,160 Speaker 1: that people run from numbers. People run from the truth. 243 00:12:43,320 --> 00:12:47,920 Speaker 1: I guess I should say, because sometimes the truth scares people. 244 00:12:47,920 --> 00:12:51,640 Speaker 1: But sometimes you got to hear the truth to get 245 00:12:51,920 --> 00:12:54,920 Speaker 1: to the positive. Is it that correct when I'm saying 246 00:12:55,000 --> 00:13:01,000 Speaker 1: people ignore the obvious when the obvious should be observed. 247 00:13:01,760 --> 00:13:04,600 Speaker 3: Well, it's a lot of emotional reaction when it comes 248 00:13:04,640 --> 00:13:08,120 Speaker 3: to money. People splurge, you know, for whatever reason. You know, 249 00:13:08,360 --> 00:13:11,000 Speaker 3: usually it's something that makes them feel good and you know, 250 00:13:11,080 --> 00:13:15,400 Speaker 3: overcompensating in certain areas. But it's a harsh reality when 251 00:13:15,440 --> 00:13:17,720 Speaker 3: you look at numbers in black and white, and it 252 00:13:17,720 --> 00:13:20,000 Speaker 3: can really hurt your feelings. You know, it can hurt 253 00:13:20,040 --> 00:13:22,440 Speaker 3: your feelings or you can use it as a stepping 254 00:13:22,440 --> 00:13:25,320 Speaker 3: stone to create a silent plant. And you know, I 255 00:13:25,440 --> 00:13:28,400 Speaker 3: just I promote that I think it's really important to 256 00:13:28,520 --> 00:13:32,840 Speaker 3: have structure and to check in with yourself on a 257 00:13:32,880 --> 00:13:35,280 Speaker 3: regular basis to make make sure that you're still in 258 00:13:35,280 --> 00:13:35,679 Speaker 3: the course. 259 00:13:35,920 --> 00:13:43,200 Speaker 1: Wow, I'm talking to Ashley Joyboard. Grammy Numbinee wrote a 260 00:13:43,240 --> 00:13:46,720 Speaker 1: song with for Justin Bieber. One of my you know 261 00:13:46,960 --> 00:13:51,319 Speaker 1: an artists I like song was called Yummy Flying High, 262 00:13:51,400 --> 00:13:54,760 Speaker 1: Flying High flying high all the good things young. Then 263 00:13:55,040 --> 00:13:57,760 Speaker 1: guess what something she wasn't prepared for When we come 264 00:13:57,760 --> 00:14:00,240 Speaker 1: back and we're talking more detailed on what some her 265 00:14:00,320 --> 00:14:03,720 Speaker 1: tips and tunes for positively changing and improving that mindset 266 00:14:03,760 --> 00:14:07,240 Speaker 1: at mindset that we're talking about that you can recover, 267 00:14:07,360 --> 00:14:09,920 Speaker 1: but sometimes you'll have to recover if you set the 268 00:14:09,920 --> 00:14:12,679 Speaker 1: steps in place to see it coming. Be right back 269 00:14:12,679 --> 00:14:14,560 Speaker 1: with more Money Making Conversation Masterclass. 270 00:14:21,720 --> 00:14:25,320 Speaker 5: We'll be right back with more money Making Conversations Masterclass 271 00:14:25,320 --> 00:14:26,560 Speaker 5: with rough Shawn McDonald. 272 00:14:27,360 --> 00:14:30,360 Speaker 6: Programming is made possible in part by supports from thirty 273 00:14:30,440 --> 00:14:34,520 Speaker 6: eight to fifteen Media, led by Emmy and NUBLEACP Image 274 00:14:34,560 --> 00:14:38,560 Speaker 6: Award winning television producer for Shawn McDonald. Thirty eight fifteen 275 00:14:38,600 --> 00:14:43,960 Speaker 6: Media offers social media management, podcast production, designs logos, and 276 00:14:44,120 --> 00:14:50,359 Speaker 6: develops websites. Additional services include brand management and career development 277 00:14:50,520 --> 00:14:55,400 Speaker 6: consulting services. More information is available at info at thirty 278 00:14:55,440 --> 00:14:57,560 Speaker 6: eight fifteen Media dot com. 279 00:14:57,680 --> 00:14:58,320 Speaker 5: Keep winning. 280 00:15:01,480 --> 00:15:05,280 Speaker 4: Welcome back to the Money Making Conversations Masterclass hosted by 281 00:15:05,360 --> 00:15:11,520 Speaker 4: Rashaan MacDonald. Money Making Conversations Masterclass continues online at Moneymakingconversations 282 00:15:11,560 --> 00:15:15,800 Speaker 4: dot com and follow money Making Conversations Masterclass on Facebook, 283 00:15:15,840 --> 00:15:18,120 Speaker 4: Twitter and Instagram. 284 00:15:18,280 --> 00:15:20,800 Speaker 1: Hi, this is Rashan McDonald. Welcome back to Money Making 285 00:15:20,840 --> 00:15:25,200 Speaker 1: Conversations Masterclass. I am speaking to Ashley joy Board, born 286 00:15:25,240 --> 00:15:29,160 Speaker 1: and raised in Detroit, Michigan. Her book entitled Financially Fly 287 00:15:29,680 --> 00:15:33,160 Speaker 1: Mastering Money and Wealth for Women. Why did you write 288 00:15:33,160 --> 00:15:33,640 Speaker 1: this book? 289 00:15:35,440 --> 00:15:37,360 Speaker 3: Gosh, I just felt like it was such a need. 290 00:15:37,480 --> 00:15:41,640 Speaker 3: I wanted to encourage conversations, especially among women. I wanted 291 00:15:41,640 --> 00:15:44,480 Speaker 3: women to find a safe space where they felt like 292 00:15:44,520 --> 00:15:47,400 Speaker 3: they were talking to a friend, a girlfriend, or somebody 293 00:15:47,440 --> 00:15:50,160 Speaker 3: that they trust. And you know, I just I wanted 294 00:15:50,160 --> 00:15:53,880 Speaker 3: to encourage women to just stay the course in order 295 00:15:53,960 --> 00:15:55,720 Speaker 3: to sustain financial freedom. 296 00:15:56,360 --> 00:15:58,880 Speaker 1: Now, when you say, first of all, you sound like 297 00:15:58,880 --> 00:16:01,240 Speaker 1: a school teacher, don't know if anybody told you, which 298 00:16:01,280 --> 00:16:05,120 Speaker 1: is really good? You really you have that soothing void. Yeah, 299 00:16:05,120 --> 00:16:07,040 Speaker 1: you sound like a school teacher, which is really really 300 00:16:07,080 --> 00:16:09,280 Speaker 1: good because that means I'm listening, right, you know, everybody 301 00:16:09,320 --> 00:16:11,520 Speaker 1: listening to the school teacher. Okay, So don't they that 302 00:16:11,680 --> 00:16:15,400 Speaker 1: it's a negative because because you provide information that can 303 00:16:15,480 --> 00:16:20,000 Speaker 1: change people's lives. Now, now, in writing this book, are 304 00:16:20,040 --> 00:16:23,920 Speaker 1: you when you say women miss out? Are they women 305 00:16:24,440 --> 00:16:26,760 Speaker 1: need to know? Information that women need to know from 306 00:16:26,760 --> 00:16:29,600 Speaker 1: a financial perspective, give me a little bit more detail 307 00:16:29,720 --> 00:16:30,080 Speaker 1: on that. 308 00:16:31,480 --> 00:16:33,440 Speaker 3: Well, it's just I've come in contact I live in 309 00:16:33,440 --> 00:16:36,800 Speaker 3: Miami now come in contact with so many young girls 310 00:16:36,800 --> 00:16:40,480 Speaker 3: that have businesses that have this cash flow. They have 311 00:16:40,640 --> 00:16:43,680 Speaker 3: you know, online businesses. However, they're getting their money, They're 312 00:16:43,720 --> 00:16:47,200 Speaker 3: getting the bag. Okay, the money is not the problem. 313 00:16:47,280 --> 00:16:49,240 Speaker 3: But just because you know how to make money does 314 00:16:49,320 --> 00:16:52,720 Speaker 3: not know that you can maintain it or grow it. So, 315 00:16:52,920 --> 00:16:55,800 Speaker 3: just in conversations that I've had, I realized that there 316 00:16:55,880 --> 00:16:59,720 Speaker 3: is just a missing element in terms of turning this 317 00:16:59,800 --> 00:17:02,840 Speaker 3: well that is in your hands now into generational wealth. 318 00:17:04,160 --> 00:17:07,240 Speaker 1: Generational wealth, that's a term I hear a lot. In fact, 319 00:17:07,280 --> 00:17:10,520 Speaker 1: I've used that term on my Showred hundreds of times. 320 00:17:10,880 --> 00:17:13,800 Speaker 1: What exactly does generational wealth mean. 321 00:17:15,240 --> 00:17:19,920 Speaker 3: To me? Generational wealth means that your kids, your grandchildren, 322 00:17:20,359 --> 00:17:26,560 Speaker 3: your lineage has a structure in place to where they 323 00:17:26,760 --> 00:17:33,720 Speaker 3: do not have a need for any outside people to 324 00:17:33,800 --> 00:17:36,520 Speaker 3: come in and save them your family structure. For me, 325 00:17:36,880 --> 00:17:39,879 Speaker 3: generational wealth is when your family structure is so tight 326 00:17:40,280 --> 00:17:45,320 Speaker 3: and I'm talking trusts, life insurance policies, estate plans that 327 00:17:45,520 --> 00:17:47,679 Speaker 3: the kids don't have to worry about the money to 328 00:17:47,720 --> 00:17:50,800 Speaker 3: bury the grandparents. You know, I just when I came up, 329 00:17:52,480 --> 00:17:57,240 Speaker 3: it was not common for people in my neighborhood to 330 00:17:58,359 --> 00:18:01,400 Speaker 3: have anything in a trust or to have anything left 331 00:18:01,440 --> 00:18:03,439 Speaker 3: to him. It was often a burden to bury your 332 00:18:03,800 --> 00:18:07,679 Speaker 3: loved one. So generational wealth for me is just the 333 00:18:07,800 --> 00:18:10,639 Speaker 3: structure that is in place that I mean, you can 334 00:18:10,720 --> 00:18:13,040 Speaker 3: draw outside the lines on that one, but it's just 335 00:18:13,200 --> 00:18:15,560 Speaker 3: the structure has to be so solid that everybody in 336 00:18:15,600 --> 00:18:17,960 Speaker 3: the family can sustain and it's protected. 337 00:18:18,520 --> 00:18:20,560 Speaker 1: Now, one thing I'm forgetting that is part of your 338 00:18:20,560 --> 00:18:22,400 Speaker 1: resume is real estate development. 339 00:18:23,400 --> 00:18:27,359 Speaker 3: Yes, yes, yes, when I lived in I lived in 340 00:18:27,480 --> 00:18:30,840 Speaker 3: LA for eight years and I just fell in love 341 00:18:30,920 --> 00:18:33,760 Speaker 3: with real estate development. The properties there have the most 342 00:18:33,800 --> 00:18:36,280 Speaker 3: amazing views and a lot of them are very old, 343 00:18:36,320 --> 00:18:38,800 Speaker 3: so it was a great market to come in and 344 00:18:39,160 --> 00:18:42,240 Speaker 3: fix up homes and I was definitely passionate about that. 345 00:18:43,720 --> 00:18:46,639 Speaker 1: Now that's a high market now La. I lived near 346 00:18:46,720 --> 00:18:47,560 Speaker 1: LA fifteen years. 347 00:18:47,600 --> 00:18:47,719 Speaker 5: Now. 348 00:18:47,720 --> 00:18:52,199 Speaker 1: It's nothing cheap in LA. It may have great views asley, 349 00:18:52,280 --> 00:18:55,240 Speaker 1: but it's the views casts. Those views costs to LA. 350 00:18:56,440 --> 00:18:58,960 Speaker 1: But the thing about it is that what exactly Because 351 00:18:58,960 --> 00:19:01,960 Speaker 1: I'm always try trying to break things down, not only 352 00:19:02,000 --> 00:19:04,199 Speaker 1: for people who listen to my show or watch my 353 00:19:04,240 --> 00:19:08,600 Speaker 1: show is real estate developer. Now I'm a homeowner. I 354 00:19:09,440 --> 00:19:12,199 Speaker 1: bought several houses in my life now and now go 355 00:19:12,240 --> 00:19:14,840 Speaker 1: in and remodel the house to my standards. Alone with 356 00:19:14,920 --> 00:19:16,560 Speaker 1: my wife, she would say, I don't like that. I 357 00:19:16,600 --> 00:19:19,040 Speaker 1: would like that. We agree, then we make the change. 358 00:19:19,320 --> 00:19:20,879 Speaker 1: What is a real estate developer? 359 00:19:22,359 --> 00:19:25,719 Speaker 3: Gosh? Well for me, my husband he thrust that title 360 00:19:25,760 --> 00:19:28,320 Speaker 3: on me. We purchased homes and he said, We're not 361 00:19:28,359 --> 00:19:30,800 Speaker 3: going to hire a designer nor an architect. I trust 362 00:19:30,840 --> 00:19:34,040 Speaker 3: you with this project, gut it and do with it 363 00:19:34,080 --> 00:19:37,800 Speaker 3: what you please. And so that's what I did. I 364 00:19:37,840 --> 00:19:40,680 Speaker 3: would I would take homes and I love model. 365 00:19:40,760 --> 00:19:43,320 Speaker 1: So you a home flipper? You flipped homes? 366 00:19:44,960 --> 00:19:48,080 Speaker 3: Well, nope, can't say that I flipped. And we have tenants. 367 00:19:48,080 --> 00:19:51,200 Speaker 3: We have tenants in LA to this date. Okay, yeah, 368 00:19:51,400 --> 00:19:54,520 Speaker 3: But but my goal I have a goal for I 369 00:19:54,560 --> 00:19:58,480 Speaker 3: would love to actually develop new construction projects in the 370 00:19:58,520 --> 00:20:01,920 Speaker 3: city of Detroit, for doable housing projects. So, I mean, 371 00:20:01,960 --> 00:20:04,200 Speaker 3: I still have a list of goals when it comes 372 00:20:04,240 --> 00:20:07,240 Speaker 3: to that world. But I'm just passionate about the process 373 00:20:07,320 --> 00:20:09,440 Speaker 3: of developing home. Now. 374 00:20:09,840 --> 00:20:11,840 Speaker 1: You know, we all know in January, you know, we 375 00:20:11,880 --> 00:20:15,320 Speaker 1: always make these resolutions. I'm gonna lose weight, I'm gonna 376 00:20:15,359 --> 00:20:19,320 Speaker 1: save money. I'm gonna be a better person to everybody. 377 00:20:19,640 --> 00:20:23,200 Speaker 1: Now that means that, Look, you are the author financially 378 00:20:23,240 --> 00:20:27,800 Speaker 1: fly Mastering Money and Wealth for Women. So yes, it's 379 00:20:27,800 --> 00:20:30,280 Speaker 1: Twitter twenty four. What are a few of your top 380 00:20:30,320 --> 00:20:33,800 Speaker 1: tips for investing and saving money. Let's talk about investing 381 00:20:34,160 --> 00:20:36,359 Speaker 1: and then we're gonna talk about saving money investing. 382 00:20:37,960 --> 00:20:41,880 Speaker 3: I would encourage people to invest in themselves first and foremost, 383 00:20:42,400 --> 00:20:45,840 Speaker 3: yourself aligned expense. When it comes to when you have 384 00:20:45,920 --> 00:20:48,080 Speaker 3: your bills in front of you, put your name down 385 00:20:48,200 --> 00:20:51,240 Speaker 3: and do not miss that payment for yourself. Prioritize it 386 00:20:51,280 --> 00:20:53,160 Speaker 3: as if it's going to show up on your credit report. 387 00:20:53,280 --> 00:20:56,240 Speaker 3: Make sure that you know. Everybody's income is different, so 388 00:20:56,280 --> 00:20:58,240 Speaker 3: you have to sit down and figure out what exactly 389 00:20:58,280 --> 00:21:01,040 Speaker 3: works for you. But the most important thing is that 390 00:21:01,119 --> 00:21:04,640 Speaker 3: you start and you build the right habits in order 391 00:21:04,720 --> 00:21:08,159 Speaker 3: to save and in order to you know, have money 392 00:21:08,240 --> 00:21:08,840 Speaker 3: to invest. 393 00:21:10,000 --> 00:21:13,160 Speaker 1: Now it's really interesting when you say that, because this 394 00:21:13,359 --> 00:21:18,000 Speaker 1: year I have decided Rashaan gonna put a little some 395 00:21:18,280 --> 00:21:18,840 Speaker 1: for Rashwan. 396 00:21:20,760 --> 00:21:21,320 Speaker 3: I love it. 397 00:21:21,560 --> 00:21:23,920 Speaker 1: I'm seriously and my wife went, where are you gonna 398 00:21:23,920 --> 00:21:25,720 Speaker 1: get that? From I said, don't worry about it. Don't 399 00:21:25,720 --> 00:21:31,280 Speaker 1: worry about it, said friend of mine. A friend of mine, 400 00:21:31,359 --> 00:21:33,520 Speaker 1: he contacted me. He said, Hey, you know I'm doing 401 00:21:33,520 --> 00:21:36,480 Speaker 1: a birthday celebration here can you come? And I went, baby, 402 00:21:36,520 --> 00:21:39,280 Speaker 1: we're gonna go. You go really? Oh you making decisions 403 00:21:39,280 --> 00:21:42,320 Speaker 1: like that now? I said, yes, I am. I'm gonna 404 00:21:42,320 --> 00:21:44,760 Speaker 1: make a decision for me for a change, because I've 405 00:21:44,840 --> 00:21:49,040 Speaker 1: always like made decisions for why well, you know, i 406 00:21:49,440 --> 00:21:51,880 Speaker 1: gotta be on the air for the radio show, I'm 407 00:21:51,880 --> 00:21:54,280 Speaker 1: producing the TV show, or I got to be there 408 00:21:54,320 --> 00:21:58,719 Speaker 1: because I'm managing somebody. I've always put other people in 409 00:21:58,800 --> 00:22:01,760 Speaker 1: front of me. And so this year in twenty twenty four, 410 00:22:02,119 --> 00:22:05,560 Speaker 1: I love that idea of little line item. I call that, 411 00:22:05,760 --> 00:22:09,960 Speaker 1: I call that little life line for yourself. Yeah, that 412 00:22:10,040 --> 00:22:13,159 Speaker 1: makes so much situation. And I have to tell you, Ashley, 413 00:22:13,240 --> 00:22:15,880 Speaker 1: your boy in twenty twenty four, he got that line 414 00:22:15,960 --> 00:22:18,520 Speaker 1: item right in front of everything. I got that in 415 00:22:18,520 --> 00:22:23,840 Speaker 1: front of a bills number, food, everything, top of the line. 416 00:22:25,320 --> 00:22:28,760 Speaker 3: Capital M. I was gonna say, I just feel like 417 00:22:28,800 --> 00:22:32,439 Speaker 3: it's a I'm big on mentality and mindset and I 418 00:22:32,520 --> 00:22:34,600 Speaker 3: just want people. I want to empower people to know 419 00:22:34,640 --> 00:22:37,639 Speaker 3: that you deserve everything you desire. And I feel like 420 00:22:37,720 --> 00:22:39,840 Speaker 3: our relationship with money no matter where we got our 421 00:22:39,880 --> 00:22:42,439 Speaker 3: habits from our parents or just from watching how the 422 00:22:42,480 --> 00:22:45,080 Speaker 3: world works. A lot of people have a scarcity mindset 423 00:22:45,119 --> 00:22:48,359 Speaker 3: and they don't even realize why or what is rooted in. 424 00:22:48,760 --> 00:22:51,639 Speaker 3: So I would encourage people to focus on having a 425 00:22:51,840 --> 00:22:56,160 Speaker 3: mindset of abundance and just know that your mindset controls 426 00:22:56,359 --> 00:23:00,119 Speaker 3: everything around you. You know. It's just it's really it's 427 00:23:00,119 --> 00:23:01,640 Speaker 3: really special that you just tap. 428 00:23:01,480 --> 00:23:04,960 Speaker 1: In and go for what you believe in mindset of me. 429 00:23:05,800 --> 00:23:09,800 Speaker 1: M see you, You've given me the truth today, Ashley. 430 00:23:10,160 --> 00:23:12,680 Speaker 1: I'm going home because my wife listens to the show. Anyway, 431 00:23:12,840 --> 00:23:15,520 Speaker 1: I'm going home, and she gonna text me anyway me 432 00:23:16,200 --> 00:23:19,160 Speaker 1: because I'm gonna tell you something. I am a workaholic. 433 00:23:19,720 --> 00:23:22,359 Speaker 1: I probably work. I don't sleep as much as I 434 00:23:22,400 --> 00:23:24,600 Speaker 1: can sleep. I sleep like four five hours a day, 435 00:23:24,680 --> 00:23:27,800 Speaker 1: you know. And I'm telling you twenty twenty four, your 436 00:23:27,840 --> 00:23:31,120 Speaker 1: boy got the word me in front of everything. As 437 00:23:31,119 --> 00:23:34,280 Speaker 1: we close the show, we close the show a tip 438 00:23:34,320 --> 00:23:37,920 Speaker 1: on saving money. How can people save money? 439 00:23:38,440 --> 00:23:42,280 Speaker 3: Gosh, be diligent. You have to listen, create boundaries for yourself, 440 00:23:42,520 --> 00:23:45,760 Speaker 3: check in with yourself, be extremely diligent and know that 441 00:23:46,119 --> 00:23:48,480 Speaker 3: it may be a small sacrifice, but the habits that 442 00:23:48,560 --> 00:23:50,359 Speaker 3: you create they pay off in the long term. 443 00:23:50,880 --> 00:23:56,200 Speaker 1: Wow, the school teacher has spoken everybody. She might call 444 00:23:56,240 --> 00:23:59,399 Speaker 1: herself Ashley Joe Boyd, but she's a school teacher and 445 00:23:59,480 --> 00:24:02,520 Speaker 1: she's out there preaching from the book of Financially Fly 446 00:24:03,119 --> 00:24:08,560 Speaker 1: mastering money and wealth for women. As we close the show, Nasty, 447 00:24:08,920 --> 00:24:11,160 Speaker 1: thank you for coming on Money making Conversations, Master Lives. 448 00:24:11,200 --> 00:24:13,480 Speaker 1: Do you have anything you any closing notes from my audience. 449 00:24:15,200 --> 00:24:18,760 Speaker 3: I will tell you my website. It's Ashley Joy I 450 00:24:18,880 --> 00:24:21,760 Speaker 3: T s A s H L E Y j Oi 451 00:24:21,840 --> 00:24:26,359 Speaker 3: dot com, my Instagram Love a Joy, love A j 452 00:24:26,640 --> 00:24:29,119 Speaker 3: o I. And thank you so much for having me. 453 00:24:29,160 --> 00:24:29,919 Speaker 3: This was a pleasure. 454 00:24:30,119 --> 00:24:32,399 Speaker 1: Oh you've been fantastic. It's been funny. I've learned some 455 00:24:32,560 --> 00:24:35,400 Speaker 1: things and you know, really it really as we close 456 00:24:35,480 --> 00:24:38,800 Speaker 1: the show, you have to put yourself first. Some people 457 00:24:38,840 --> 00:24:41,720 Speaker 1: call it selfish, but I'm gonna telling you so. You 458 00:24:41,880 --> 00:24:44,560 Speaker 1: have to realize that, you know, God is giving you 459 00:24:44,560 --> 00:24:47,280 Speaker 1: an opportunity to experience a new day when you open 460 00:24:47,280 --> 00:24:49,080 Speaker 1: your eyes. I will tell people the alarm clock is 461 00:24:49,119 --> 00:24:51,720 Speaker 1: not waking you up. God's waking you up. There's a 462 00:24:51,760 --> 00:24:53,400 Speaker 1: lot of alarm clocks that are going off and people 463 00:24:53,400 --> 00:24:55,800 Speaker 1: are not responding to them. And so when he wakes up, 464 00:24:55,840 --> 00:24:57,920 Speaker 1: have a plan, and that plan should be about you, 465 00:24:58,240 --> 00:25:01,800 Speaker 1: and then don't be selfish about it. Share that abundance 466 00:25:02,119 --> 00:25:04,760 Speaker 1: with other people that I try to do it every day, Ashley. 467 00:25:05,520 --> 00:25:07,359 Speaker 1: I try to do it every day, and I really 468 00:25:07,400 --> 00:25:09,919 Speaker 1: uns to God believe that if I keep doing that, 469 00:25:10,359 --> 00:25:12,879 Speaker 1: then it's gonna be all good for Rashan too. Again, 470 00:25:12,920 --> 00:25:14,600 Speaker 1: thank you for coming on my show and we would 471 00:25:14,600 --> 00:25:16,000 Speaker 1: talk soon. Okay, I appreciate you. 472 00:25:16,359 --> 00:25:17,720 Speaker 3: Okay, thank you so much. 473 00:25:17,960 --> 00:25:20,840 Speaker 1: Wow. This is a great show man. I really enjoyed 474 00:25:20,880 --> 00:25:24,040 Speaker 1: doing this show every week and I appreciate having me 475 00:25:24,080 --> 00:25:26,200 Speaker 1: on here on Tuesdays. And I'll be back next week 476 00:25:26,240 --> 00:25:29,879 Speaker 1: with a new set of great people. Money Making Conversations Masterclass. 477 00:25:29,920 --> 00:25:32,119 Speaker 1: This show is for you. Anytime you hear an advice 478 00:25:32,160 --> 00:25:35,480 Speaker 1: by financing and offering, please do your research. Please talk 479 00:25:35,520 --> 00:25:38,840 Speaker 1: to your financial expert. I am just an individual that's 480 00:25:38,880 --> 00:25:42,720 Speaker 1: providing information. Is your job to do the research. Bye bye. 481 00:25:46,600 --> 00:25:48,920 Speaker 5: Thank you for joining us for this edition of Money 482 00:25:48,960 --> 00:25:54,320 Speaker 5: Making Conversations Master Class. Money Making Conversations Masterclass with rough 483 00:25:54,359 --> 00:25:57,840 Speaker 5: Shan McDonald is produced by thirty eight fifteen Media Inc. 484 00:25:58,119 --> 00:26:02,000 Speaker 5: More information about thirty eight fifteen Media Inc. Is available 485 00:26:02,080 --> 00:26:05,439 Speaker 5: at thirty eight to fifteen media dot com. And always 486 00:26:05,520 --> 00:26:07,520 Speaker 5: remember to lead with your gifts.