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Speaker 1: Welcome to Money Making Conversations. It's the show that she

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Speaker 1: has the secrets of success experience firsthand by marketing and

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Speaker 1: Brandon expert Rashan McDonald. I will know he's given me

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Speaker 1: advice on many occasions in indication didn't notice, I'm not broke.

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Speaker 1: You know. He'll be interview with celebrity CEOs, entrepreneurs and

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Speaker 1: industry decision makers. It's what he likes to do, It's

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Speaker 1: what he likes to share. Now it's time to hear

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Speaker 1: from my man, Rashan McDonald money Making Conversations Here we come.

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Speaker 1: Welcome to money Making Conversations masterclass. I am your host,

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Speaker 1: rous Sean McDonald. I recognized that we all have different

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Speaker 1: definitions of success. For you and may be the size

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Speaker 1: of your paycheck. Mine has inspired people to accomplish their

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Speaker 1: goals and live their very best life. It's time to

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Speaker 1: stop reading other people's success stories and start writing your own.

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Speaker 1: People always talk about purpose or gifts. If you have

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Speaker 1: a gift, leave with your gift and don't let your friends, family,

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Speaker 1: or corework can stop you from planning or living your dreams.

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Speaker 1: My guests, as actor, comedian and social active is Earthquake.

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Speaker 1: He has built a strong fan base and stand up

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Speaker 1: comedy with numerous soul I Shose film and TV appearances

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Speaker 1: and comedy specials. He has recurred, guest starred appeared on

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Speaker 1: numerous popular shows, including the CBS sitcom The Neighborhood. Earthquake

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Speaker 1: also holds the radio show Quakes House on Serious XM

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Speaker 1: Radio Kevin Hearts Laugh Outlaw Radio Channel. But he's on

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Speaker 1: the show because you can catch Earthquake in his stand

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Speaker 1: alone headlining comedy special Chappelle's Home Team Earthquake Legendary, streaming

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Speaker 1: right now on Netflix. Please whip in the money Making

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Speaker 1: Conversation Masterclass, the One and Only Earthquake. Hey, how are

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Speaker 1: you doing, brother, Brother? Brother? Well, you know some man earthquake. Um.

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Speaker 1: First of all, Um, I can I can start nine

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Speaker 1: talk about the comedy special that that's right now streaming

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Speaker 1: on Netflix. And when I saw it it featured in

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Speaker 1: the trade magazines. I didn't know that the special had

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Speaker 1: already been taped last summer. So talk about the sequence

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Speaker 1: of how that happened and then it was announced coming

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Speaker 1: out in the spring. Um. I got a call from

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Speaker 1: my agent and she said, the president of a comedy

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Speaker 1: for next Flix, one of my number so he can

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Speaker 1: give it today because Dave and Netflix has came to

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Speaker 1: a verbal agreement, uh to produce my special. And I

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Speaker 1: said sure. I thought it was a prank. Uh, and

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Speaker 1: you know, I said show. And then ten minutes later

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Speaker 1: Dave called me and said he wanted to produce my special.

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Speaker 1: So that's how I came to Fruition. Cool. Now, when

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Speaker 1: you look at your career, I can, um you know,

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Speaker 1: my career as a personal relationship. They've they've described a

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Speaker 1: personal story about you at this comedy club, my personal story.

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Speaker 1: I met you at your comedy club, and uh, when

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Speaker 1: I would just tell you out, he wore me out,

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Speaker 1: took me out. Let me know, this is Quake's house

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Speaker 1: in Atlanta, Georgia, had me go back to my hotel

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Speaker 1: room looking at my little comedy routine. But you rewriting jokes.

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Speaker 1: But he was just doing when he was doing. Because

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Speaker 1: I heard about it. I walked in there with my

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Speaker 1: credits because see Dave Chappine, man, he said it right. Man,

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Speaker 1: you are a legendary man and you're funny, but you're

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Speaker 1: good brother at heart at heart, you know, because it's

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Speaker 1: all it's like, um met the Jerry Rice at Rob receiver.

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Speaker 1: If you rob receiver coming in, you look over there,

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Speaker 1: you see earthquake, you go. You can walk around and

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Speaker 1: ignore him. But in a minute, if you ignore him,

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Speaker 1: he gonna let you know who he will, who he is.

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Speaker 1: That's what happened to me at his comedy club. I

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Speaker 1: knew who he was, but I ignored him until he

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Speaker 1: got on stage before me, and then I had to

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Speaker 1: show the respect. But that's been a testament of your

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Speaker 1: entire career that people who may not know you, but

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Speaker 1: after they see you, they know you the real deal.

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Speaker 1: Correct earthquake. Yes, I mean because I just believed let

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Speaker 1: the work speak for itself. There's nothing else. I always

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Speaker 1: felt in our profession that stage is an equalizer. The

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Speaker 1: credits can get you applause in the beginning, but the jokes,

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Speaker 1: the work, you could tell who works on their craft

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Speaker 1: and who's in our craft, um deserve to be there.

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Speaker 1: And I think that so I always concentrated on the

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Speaker 1: workers work speak for itself. Now, one of my art

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Speaker 1: tastes and one of my all time favorite jokes that

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Speaker 1: you did was the dog doing O. J. Simpson Trial.

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Speaker 1: But it's the ability to take abstract characters bring it

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Speaker 1: like like they actually real you know what I'm saying. No, no,

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Speaker 1: don't talk now dog gate talk, But do you we

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Speaker 1: believe in the dog and talk based on you? What

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Speaker 1: what is the sequence of it? Just listen to people,

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Speaker 1: because I know it's a stand up comedy comic. At

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Speaker 1: one point you just trying to be funny, and then

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Speaker 1: at some point it's just like a college degree. It's

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Speaker 1: like class two plus two equal four. You learned to

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Speaker 1: sequence things together and you're just funny and you know

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Speaker 1: how to make things funny. How do you look at

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Speaker 1: the world through the eyes of earthquake? Um? It's uh,

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Speaker 1: it's my tag. These ain't jokes. I think it starts

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Speaker 1: from reality or realistic to me. I tell people every

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Speaker 1: time to answer me, how you do it? I say,

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Speaker 1: It's like, it's just like being in the hood, man,

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Speaker 1: it's a it's the truth that bloms that blossom into

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Speaker 1: a big lie. Right. I was fighting this one dude, man,

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Speaker 1: and then by the time to get to you, ra

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Speaker 1: Sean man, I was fighting nineteen mine and I slammed

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Speaker 1: one underneath the dope and it was two over came

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Speaker 1: and then Mama came on and I slapped it. Mama.

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Speaker 1: It was like one dude and the last for one second.

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Speaker 1: But by the time it got back got to you.

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Speaker 1: With Shawan it was nineteen dudes had it for him.

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Speaker 1: With with that had guns. The other dude had a knife. Yeah,

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Speaker 1: so that's my philosophy. It always start from a grain,

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Speaker 1: from the original foundation of the truth. That's why I

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Speaker 1: say these ain't jokes, That's where it comes from. These

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Speaker 1: ain't jokes, right, you know? As a as a stand

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Speaker 1: up comic man, it is really um an interesting craft.

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Speaker 1: It's a very lonely craft. A lot of people think that,

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Speaker 1: you know, it's a stand up you're happy all the time.

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Speaker 1: You know, you you run abound just making everybody laugh.

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Speaker 1: But really, can you explain the people the world of

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Speaker 1: a standard comedian from a standpoint of how we have

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Speaker 1: to how we see things, which sometimes it's good and

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Speaker 1: bad because sometimes we see too much. Well, I'll tell

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Speaker 1: anybody if you if you don't like yourself, this ain't

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Speaker 1: the profession for you. If you know, because you're gonna

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Speaker 1: spend a lot of time with yourself. It's like golf man.

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Speaker 1: Can nobody else walk? Is? Uh walk these greens? But

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Speaker 1: you um and But it's such rewarding man with Sean,

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Speaker 1: it's a rewarding profession just to see these people because

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Speaker 1: I look at people. We're mental health providers. Um we

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Speaker 1: we especially for our community. We change perspective about people

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Speaker 1: because you know when you had your club and that

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Speaker 1: they're coming in. Man, is I don't know what with

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Speaker 1: the way in the world and one profession and it's

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Speaker 1: only professional I like musical, anything else, anything else out here.

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Speaker 1: We need the uninvited attention. So you gotta get the

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Speaker 1: avouted attention, then break through all that and then get

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Speaker 1: them to do something they can't get their self to do.

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Speaker 1: That's laugh right, that's a hell of the obstacle, man,

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Speaker 1: especially for people they're sitting the front man anybody, right.

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Speaker 1: I mean I used when I own my club, I said, listen,

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Speaker 1: please be nice to these people coming here, because you're

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Speaker 1: making the comics John even worse. I mean, please with

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Speaker 1: the way you serve, the way you give the ticket,

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Speaker 1: you make the show. I used to talk about staff

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Speaker 1: all the time. You're just as important as the comedians

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Speaker 1: because if you set the tone there, then they're open

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Speaker 1: themselves up to be entertained. So it's the hardest profession

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Speaker 1: in the world. But the most reward fulfilling we know,

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Speaker 1: like uh, the word sold out. I'm talking about audiences. Audiences,

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Speaker 1: you know they you know, earthquake, They're coming in and

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Speaker 1: see you. Talk to everybody and tell them that feeling

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Speaker 1: of knowing that you look out there because we always

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Speaker 1: peep behind the curtain. We always ask the people, how's

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Speaker 1: it looking out there? And they said and she left.

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Speaker 1: All so that, brother, we've added the show. Talk about

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Speaker 1: that feeling. Man Um, it's the best feeling, second to

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Speaker 1: having your channel. Um it's up. It's validation. People actually

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Speaker 1: took the harder money, stopped doing what they do, and

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Speaker 1: king say, I am spending this money to come to

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Speaker 1: see you right there. I mean the gratitude, I mean

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Speaker 1: achievement and as a comic until comedians all the time,

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Speaker 1: and I learned this from you and from you and Steve.

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Speaker 1: That shows that you actually matters in our profession. When

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Speaker 1: you can put your name on a market or build

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Speaker 1: board or sign and people stop and say, hey, I'm

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Speaker 1: coming to see with Sean McDonald. Give me two tickets.

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Speaker 1: You got in and then they said no, we don't

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Speaker 1: have come on, let's go here earlier. Now we got

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Speaker 1: they can't get no ticket to see you, and it's

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Speaker 1: since the most gratifying thing in the world. We'll be

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Speaker 1: right back with more Money Making Conversations Masterclass with Rushan McDonald. Now,

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Speaker 1: let's return to Money Making Conversations Masterclass with Rashan McDonald.

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Speaker 1: You know the thing that I follow your social media

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Speaker 1: and you know we all want numbers, We always want

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Speaker 1: to engage in everything. But your social media is almost

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Speaker 1: like social commentary. That's why I added the words social

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Speaker 1: activists your introduction, because you do a running commentary I

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Speaker 1: feel with your social media by videos that you post,

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Speaker 1: pictures that you find, talk about your approach to social

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Speaker 1: media and how you are defining your voice or finding

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Speaker 1: your voice in your social post. Well, you know, some

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Speaker 1: of the most educated people in the world don't don't

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Speaker 1: have how can I put this, uh, the prestige diplomas

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Speaker 1: or degrees to back up their education. So I've met

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Speaker 1: some of the smartest people that never went to school.

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Speaker 1: They was the most intelligent people in my life. And

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Speaker 1: and um, simplicity has always been great for me. Just

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Speaker 1: keep it simple and to get to the point that

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Speaker 1: you asked me about, I just talked about when everybody

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Speaker 1: else thinking because all you have to do. You know

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Speaker 1: what I mean, don't say that man, you be I'm

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Speaker 1: saying some man, I'll be looking at what you be saying, like, oh,

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Speaker 1: I never saw that this boy is. And you know

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Speaker 1: the in the in the in the comedy world, somebody

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Speaker 1: call your food. That's actually a major compliment to this

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Speaker 1: boy food. This boy crazy, which is another compliment because

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Speaker 1: now we needs a PC world. You know they got

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Speaker 1: explained stuff. We used the word crazy and food and

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Speaker 1: all that stuff. You gotta explain. That's a positive in

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Speaker 1: the comedy world. And you are doing stuff man, because

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Speaker 1: you know, you look at it and it's work. A

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Speaker 1: lot of people think that posting or grabbing ideas is is.

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Speaker 1: So he just found that somewhere. That's a lot of work. Yes,

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Speaker 1: there's a lot of research. Shout out to my team. Um,

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Speaker 1: we go through it. Her name is Star, She's one

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Speaker 1: of the greatest person that handles my thing for me.

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Speaker 1: We sit down, she knows my voice, yes of course,

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Speaker 1: no my voice, and together we uh we uh. We

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Speaker 1: get together and say this is the direction I want

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Speaker 1: to go, and we see different things that we like.

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Speaker 1: This is quick. This can you believe that n't you

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Speaker 1: believe this person is doing this? And you know, to

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Speaker 1: get that reaction, everybody with it and so many people

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Speaker 1: like where did you find that? I love it? Man?

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Speaker 1: I love it, And it was one of the reasons,

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Speaker 1: you know, you know, I wanted to make sure I

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Speaker 1: interviewed you on my platform. Money making conversation Master collapses

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Speaker 1: because a lot of people see talent like you. They

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Speaker 1: see the end results. They don't see the work. They

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Speaker 1: think that you stopped working. They think that you just

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Speaker 1: focused on this, but really it's a three sixty that

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Speaker 1: you're doing. Like I said, you're an actor, you're a comedian,

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Speaker 1: you're social activit, which means that you're an influence on

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Speaker 1: social media. And then as you have a radio show,

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Speaker 1: which means you you're able to communicate tell us about

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Speaker 1: your radio show. You even take phone calls, you play music.

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Speaker 1: What is your radio show? Um No, My show is

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Speaker 1: called Quake House, and it's kind of like comedians view.

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Speaker 1: We took. We deal with hot topics, different segments and

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Speaker 1: we do have guests that comes on periodically, um A

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Speaker 1: list guesses and our interview and what I want to

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Speaker 1: do like I've always done in my career, is whatever

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Speaker 1: I achieved in my career. I try to have a

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Speaker 1: platform to bring the next comedian that or nothing else.

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Speaker 1: But if I can't help the next comedian, expand our genre.

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Speaker 1: People know how great this profession is. I think personally speaking,

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Speaker 1: don't too many of us give back to the genre.

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Speaker 1: This is this would allow you to be this movie star,

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Speaker 1: this game show hostess, this uh talk show, this movie star,

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Speaker 1: this TV start. Just do something that allows you know

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Speaker 1: your name to um to expand the john for the

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Speaker 1: next person said to yourself, can capitalize on it, make it,

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Speaker 1: you know, expand I'd say, you don't have to help me.

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Speaker 1: Help whoever you think is funny, and you help them.

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Speaker 1: It us spanned the genre. Eventually it will come back

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Speaker 1: to me because they thank you funny. Wait till until

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Speaker 1: they get to see me and I has always been

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Speaker 1: my attitude. Yes now that The interesting thing about it

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Speaker 1: is that when we look at the comedy special that

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Speaker 1: you did, you know, it's always into fund me because

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Speaker 1: I think I know somebody. I didn't know you from

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Speaker 1: d C. You know, because I met you in Atlanta.

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Speaker 1: I thought you were Atlanta born in Bread. I thought

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Speaker 1: that was your whole hood was from Atlanta or people

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Speaker 1: loved you in Atlanta. So how did you make the

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Speaker 1: journey from d C to Atlanta and then Atlanta. Basically

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Speaker 1: it became to me, your your home, your voice. Um, well,

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Speaker 1: I was in the military for nine years and I

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Speaker 1: wanted to do twenty years, but the war broke out.

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Speaker 1: So I told him, I said, I home, mind practicing

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Speaker 1: for war, but I ain't fighting for real. I'm gonna

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Speaker 1: stand to get shot at. So they're getting out the military.

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Speaker 1: I didn't want to go back home from d C.

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Speaker 1: I've been a military. Was nothing there, opportunity I feel

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Speaker 1: for me, but illegal pharmaceuticals. So I turned on you know,

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Speaker 1: I watch a lot of TV, different educational shows, mostly

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Speaker 1: like Seeing Man and stuff, and you know, you see

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Speaker 1: the poles. They always got poles and one of the

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Speaker 1: botes what is the best top five cities that that

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Speaker 1: man should go for the best advantage in their life,

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Speaker 1: and they had Alanta number one. I said, well that's

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Speaker 1: where I'm going. So I got out the military, went

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Speaker 1: to Atlanta and we're on stage and they started doing

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Speaker 1: common that first of all, you said, you saw a pole,

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Speaker 1: said the back black black, best city for black people

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Speaker 1: to go through with Atlanta. You go to Atlanta, you

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Speaker 1: just go on stage. You didn't just go to another

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Speaker 1: comedy club. You see some comics. And what I mean

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Speaker 1: I was when I was in the military, I knew

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Speaker 1: I was, I had to do something else. And then

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Speaker 1: you said the usoor you know stuff in that and

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Speaker 1: I found you know, they used to call me skating

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Speaker 1: quick well, skating stroke without anything to get out of work.

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Speaker 1: You know, I used to be a polled barryman on

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Speaker 1: guard anything to get out of work man. So I

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Speaker 1: did a little hosting in there in the military, and

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Speaker 1: you couldn't talk about sex. She couldn't talk about I mean,

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Speaker 1: he had to be Bob Hope. So I was. I

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Speaker 1: learnt from there. So when I got the military, I

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Speaker 1: went on and I took this girl to a comedy clip.

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Speaker 1: And when I tell you, this chick was, I mean,

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Speaker 1: it was shocked. She was all on the floor. Happened.

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Speaker 1: I said, I said, if you want to sleep with

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Speaker 1: this dude, they say you want to sleep with him,

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Speaker 1: but he ain't all that. You just jealous, I said,

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Speaker 1: I jealous, But I mean he's funny, but that ain't

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Speaker 1: the funniest thing. So she said, when you do better,

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Speaker 1: And of course I went and tried, and there's nothingness came.

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Speaker 1: It's been that way every since came in my life. Well,

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Speaker 1: I wonder what tiphany was? No plan, It was just

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Speaker 1: what I tell everybody was that best decision that day,

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Speaker 1: and another better decision hasn't came this way. Well, you know,

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Speaker 1: did they tell me that our podcast is the number

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Speaker 1: of the fastest drawing industry audible industry out there? I

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Speaker 1: know you got a serious X. Are you gonna do podcasts? No?

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Speaker 1: I mean, I'm really good with my radio show. I

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Speaker 1: really want to continue that. Man. I've really learned from

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Speaker 1: y'all about it. I love radio and I don't think

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Speaker 1: I'm gonna jump onto the podcast unless they offered me

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Speaker 1: a lot of money. Okay, cool, Well, well I think

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Speaker 1: that's gonna come your weight. Okay, you know what, I

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Speaker 1: get close to the bike, I'm looking at you. I'm

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Speaker 1: looking at it because you're special talent, man, You're you're

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Speaker 1: an individual. I guess I gotta at least ask you

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Speaker 1: this course, where did earthquake come from? Where did the

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Speaker 1: name earthquake come from? Um, to be quite honest with you, man,

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Speaker 1: I use earthquake because in case. You know, she was

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Speaker 1: right that I wasn't funny. I don't wanna mess up

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Speaker 1: my good name. So so this didn't work. Hey earthquake, Like,

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Speaker 1: hey man, my name the dang earthquake? When you the

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Speaker 1: comedian that got no comment Daniel s come up there

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Speaker 1: and say, some dudes right here, No, that wasn't me.

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Speaker 1: So it came from the insecurity not having to believe

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Speaker 1: that maybe you know this, this did hit the bricks,

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Speaker 1: you would saying, go to a stray, I wouldn't mess

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Speaker 1: up my good name. Well, you know, so what is

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Speaker 1: the future for earthquake man? Because it took me for

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Speaker 1: ever to line up this interview. You had radio shows,

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Speaker 1: you had tour date your interviews. So obviously life is

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Speaker 1: beautiful you for you right now, but we know there's

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Speaker 1: always more. What is the future of Earthquake? Well, I'm finally,

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Speaker 1: um gonna go on my own personal own tour called

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Speaker 1: Earthquake Legendary Tour. Um. Yes, I'm developed my own TV show.

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Speaker 1: I'm gonna do I'm gonna do more movies and I'm

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Speaker 1: gonna stay on the ready God's will and then you know,

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Speaker 1: I'm gonna you know, I'm gonna continue to tour. I

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Speaker 1: love comedy. Stand up comedy is great for me. I

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Speaker 1: never want to leave it. I think. I tell people

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Speaker 1: all the time, comedy is like a woman. You can

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Speaker 1: take a break from it, but you can never leave her.

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Speaker 1: Leave her, you ain't gonna never get her back. So

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Speaker 1: I vowed that I will always do this, and I

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Speaker 1: love it. It's so refleshing. So the media's and toy

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Speaker 1: stars and m July and we're doing forty uh for

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Speaker 1: thirty cities. Me and Don there robins and they're funny.

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Speaker 1: That's the immediate to think, Yeah, very funny, brother. And

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Speaker 1: I'm gonna drop another tour on I mean another special

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Speaker 1: Nextflix next year. Wow. So the venues are the Comedic Club,

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Speaker 1: they're small, two thousand, three thousands. We're going five thousand.

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Speaker 1: You're stepping out there. Okay, okay, okay, mr, mr sir,

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Speaker 1: you start talking about five thousands, Brothers, come on that,

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Speaker 1: come on. We had two or three now we're two

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Speaker 1: or three. So with the blessing of God, with the

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Speaker 1: response that I've got from my special as made, tell

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Speaker 1: me about that response. Man. First of all, let me

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Speaker 1: get you my response first, you know, because I text

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Speaker 1: you a picture I'll be watching it, you know. Let

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Speaker 1: you know all screen. Okay, I'm watching you brother. You

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Speaker 1: are what you say you are legendary. My take was

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Speaker 1: man that um because this I always tell people when

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Speaker 1: you know, something funny. Because my wife was in the kitchen,

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Speaker 1: you know, cooking all right, and then I'm just laughing.

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Speaker 1: And then next thing you know, she leaning behind my back,

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Speaker 1: right who that you watch the earthquake? Next thing you know,

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Speaker 1: she next to me watching and laughing. I go, what

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Speaker 1: happened to the cooking? Oh? That can wait? That can wait?

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Speaker 1: See see see that. They say I took somebody who

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Speaker 1: wasn't even interested and what was going on? Because she

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Speaker 1: was cooking, you know, and she went, people, you can't

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Speaker 1: talk and you can't talk to her. Watch she cooking,

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Speaker 1: all right? She one of those people. Can't you see

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Speaker 1: him cooking? Okay? Baby? I was sorry. I'm just gonna

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Speaker 1: sliding there and watch earthquake by myself. Okay, did I'm laughing?

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Speaker 1: Did she behind me? Just standing? He funny? I look

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Speaker 1: back at it. Don't say nothing earthquake? Right next thing

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Speaker 1: you know, c still got the spatula in my hands,

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Speaker 1: sitting next to me. I said, ad you cooking like

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Speaker 1: I told you. So that lets you know that what

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Speaker 1: you're doing is relatable. It also can make people stop

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Speaker 1: what they're doing. It grabs their attention and also forces

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Speaker 1: them because force, because you are a forced my brother,

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Speaker 1: you are a comedy force, and that forces such positivity

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Speaker 1: that you go, wow, he's special. That's what my response is.

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Speaker 1: Not tell me what America's response. Because you're doing five

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Speaker 1: thousand Caesars Now, it's overwhelming and you can see it

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Speaker 1: when you know it's a comic. When you walk in

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Speaker 1: clubs and I'm talking about mainstream clubs, how you doing great?

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Speaker 1: Can't we do something? You know? And you know, our

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Speaker 1: Caucasian counterparts come to you and said, you know, I

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Speaker 1: checked for me, I don't know about you. I love

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Speaker 1: competing against man without Caucasian comedians to let them know

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Speaker 1: that we don't because they think we need some of them,

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Speaker 1: not saying all of them something that the stigma is

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Speaker 1: that we need to cuss. We don't. We don't write

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Speaker 1: out you know it's urban no man, no, no, no,

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Speaker 1: no no. I'm gonna show you how we do it.

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Speaker 1: We we can. We compete at the highest level of

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Speaker 1: the highest level intellectually and when it was being accepted

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Speaker 1: from I mean every comedian, no matter what's your nationality

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Speaker 1: that's in this fields telling you this is the greatest

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Speaker 1: thing that they ever seen. It was this rewarding and

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Speaker 1: it's always been rewarding. I love my fans to the death.

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Speaker 1: There my number one supporters that the grad I really

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Speaker 1: fan a special gratitude and humility when it's come from

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Speaker 1: the piers such as persons such as yourself, because you

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Speaker 1: have always been honest with me. You came to me

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Speaker 1: and say, man, you don't need to say that while

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Speaker 1: you when we was doing on different shows together. Don't

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Speaker 1: cuss on that. Don't do this. That's all you need

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Speaker 1: to do. And I've always took the advice, and I

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Speaker 1: always appreciate your advice, and I always have felt good

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Speaker 1: when I received your approval because you have always been

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Speaker 1: a student of the game. Oh man. So I appreciate

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Speaker 1: those compliments, but more important, I appreciate you taking the

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Speaker 1: time and come on money making conversations, master Glad. You

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Speaker 1: are a beast. You are somebody Please tell me when

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Speaker 1: you when the tickets go on sale, so I can

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Speaker 1: put it on my social media and make that announcement.

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Speaker 1: In my newsletter that goes out to a hundred eight

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Speaker 1: thousand people. Because you are a winner, brother, and I

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Speaker 1: love you brother. Thank you ever quick. I love you more. Man,

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Speaker 1: and keep doing what you're doing. Man, and you owe

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Speaker 1: me if because I'm tired to look at that all

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Speaker 1: you know, a gaining waiting again some of the some

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Speaker 1: of them deserts. Man, I look at I'm ready when

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Speaker 1: I get down to a town where you had, I'm

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Speaker 1: knocking on you. You tell your beautiful wife I said,

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Speaker 1: I love Okay. I thank you brother, and stay strong, okay,

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Speaker 1: appreciate you. If you want to hear any seeing those

424
00:26:21,240 --> 00:26:24,040
Speaker 1: interviews on money Making Conversation, please with the money Making

425
00:26:24,080 --> 00:26:27,119
Speaker 1: Conversation dot com. I'm ro Sean McDonald. I am your host.

426
00:26:27,280 --> 00:26:30,879
Speaker 1: We'll be right back with more money Making Conversations Masterclass

427
00:26:30,880 --> 00:26:35,280
Speaker 1: with Rushan McDonald. You are now tuned into the Money

428
00:26:35,280 --> 00:26:40,080
Speaker 1: Making Conversations Minute of Inspiration with Rashan McDonald. Hiro Sean

429
00:26:40,160 --> 00:26:42,879
Speaker 1: McDonald for money Making Conversation with you daily Minute of

430
00:26:42,920 --> 00:26:45,840
Speaker 1: Inspiration this week, I said that would call us king.

431
00:26:45,960 --> 00:26:49,560
Speaker 1: The super reality TV producer of Kingdom rains about his

432
00:26:49,640 --> 00:26:53,280
Speaker 1: hit TV show Love and Marriage Huntsville. I asked him,

433
00:26:53,480 --> 00:26:56,720
Speaker 1: what is his magic producing sauce? It's creating all these

434
00:26:56,800 --> 00:27:00,280
Speaker 1: hit reality shows. His answer is the main thing that

435
00:27:00,440 --> 00:27:04,639
Speaker 1: I did that a lot of other reality producers don't

436
00:27:04,680 --> 00:27:09,520
Speaker 1: do if I ask permission, I said, because you're telling

437
00:27:09,560 --> 00:27:12,200
Speaker 1: you this is what you're going through. Are you comfortable

438
00:27:12,359 --> 00:27:14,800
Speaker 1: sharing that on camera? My job is to follow the

439
00:27:14,920 --> 00:27:19,520
Speaker 1: real If the entire town knows about this infidelity and

440
00:27:19,720 --> 00:27:22,919
Speaker 1: you're on TV pretending you're in a great marriage, you

441
00:27:22,960 --> 00:27:25,360
Speaker 1: are going to lose in the end because they want

442
00:27:25,400 --> 00:27:27,919
Speaker 1: to see authenticity. If you want to listen to this

443
00:27:28,000 --> 00:27:30,760
Speaker 1: full interview with callers King, it's available on money Making

444
00:27:30,800 --> 00:27:34,840
Speaker 1: Conversation dot com. Now let's return to Money Making Conversations

445
00:27:35,119 --> 00:27:40,000
Speaker 1: Masterclass with Rashan McDonald. As I said, today is uh.

446
00:27:40,040 --> 00:27:42,960
Speaker 1: This month, not just today, is National Financial Literacy Month

447
00:27:43,200 --> 00:27:45,760
Speaker 1: and is celebrated in the month of Agel April. My

448
00:27:45,840 --> 00:27:49,000
Speaker 1: guest today is Dr Lennon Richardson. She is by far

449
00:27:49,119 --> 00:27:51,800
Speaker 1: my most popular guest that calls on this show. If

450
00:27:51,800 --> 00:27:54,800
Speaker 1: you consider yourself in need of advice in terms of financing,

451
00:27:55,160 --> 00:27:57,640
Speaker 1: then you are not alone. You've heard Kurt, you heard

452
00:27:57,720 --> 00:28:00,359
Speaker 1: Mrs Evans. She she was calling about the final creative,

453
00:28:00,400 --> 00:28:02,680
Speaker 1: and she dove open to that conferensations. You've heard my

454
00:28:03,080 --> 00:28:06,159
Speaker 1: personal testimony. It does not matter if you had just

455
00:28:06,200 --> 00:28:08,639
Speaker 1: started earning, nor have been earning for a long time.

456
00:28:09,040 --> 00:28:11,520
Speaker 1: Every day has a chance to reflect upon your spending

457
00:28:11,800 --> 00:28:14,880
Speaker 1: and improve your financing. Here's some notes about Dr Lenn

458
00:28:14,960 --> 00:28:17,879
Speaker 1: Richardson belies that the way to build wealth is to

459
00:28:17,920 --> 00:28:22,840
Speaker 1: spend less money by implementing proper budgeting and debt elimination strategies.

460
00:28:23,160 --> 00:28:26,720
Speaker 1: Get more money by implementing wise investment strategies, and by

461
00:28:26,720 --> 00:28:31,560
Speaker 1: developing multiple streams of income, including owning a home based business.

462
00:28:31,600 --> 00:28:35,240
Speaker 1: And three get your money back through proper tax education.

463
00:28:36,000 --> 00:28:39,760
Speaker 1: Please welcome to Money Making Conversation Master Class. Again she's

464
00:28:39,760 --> 00:28:44,520
Speaker 1: a financial guru. I call our financial genius, Dr Lynn Richardson.

465
00:28:44,640 --> 00:28:51,920
Speaker 1: Welcome back. Well, well, well, thank rather, thank you so much,

466
00:28:52,040 --> 00:28:55,200
Speaker 1: Mr McDonald. Well, I would tell you so whenever this

467
00:28:55,280 --> 00:28:58,720
Speaker 1: this show has been on fire, uh since it started.

468
00:28:58,800 --> 00:29:01,400
Speaker 1: You know, I I had had one person calling my

469
00:29:01,480 --> 00:29:05,040
Speaker 1: bragging segment and he would noted that he has a

470
00:29:05,040 --> 00:29:10,120
Speaker 1: app called stop Stockification, where you know, you invest fifty

471
00:29:10,120 --> 00:29:12,400
Speaker 1: dollars a day, a hundred dollars a day, and that

472
00:29:12,520 --> 00:29:15,840
Speaker 1: the market would always correct yourself or ten, fifteen, twenty

473
00:29:15,920 --> 00:29:20,600
Speaker 1: year period, and he was saying that that the average

474
00:29:20,640 --> 00:29:24,080
Speaker 1: Black person when they die leaving the wealth to a

475
00:29:24,200 --> 00:29:27,600
Speaker 1: relative is four thousand dollars. The average white person when

476
00:29:27,600 --> 00:29:31,480
Speaker 1: they die leaving wealth is a hundred and four thousand dollars.

477
00:29:31,680 --> 00:29:35,400
Speaker 1: You have been educating us this whole process. What has

478
00:29:35,400 --> 00:29:38,360
Speaker 1: frustrated you much? Maybe not frustrated you, but disappointed you,

479
00:29:38,440 --> 00:29:40,880
Speaker 1: or that you believe that how can we as a

480
00:29:40,920 --> 00:29:45,600
Speaker 1: community do better about our financial leadership? Dr Lynn, you

481
00:29:45,680 --> 00:29:47,800
Speaker 1: know that's such a great question. And I would have

482
00:29:47,880 --> 00:29:50,520
Speaker 1: to say that the number one played for the number

483
00:29:50,520 --> 00:29:54,160
Speaker 1: one area that would that frustrates me, and I would

484
00:29:54,200 --> 00:29:57,800
Speaker 1: say that to frustrate anybody is the one area where

485
00:29:57,840 --> 00:30:02,280
Speaker 1: we have absolute control. You see, we wake up every day.

486
00:30:02,320 --> 00:30:04,760
Speaker 1: We have no control over the weather. You have no

487
00:30:04,880 --> 00:30:07,320
Speaker 1: control over your friends. You have no control over your

488
00:30:07,360 --> 00:30:10,959
Speaker 1: family members. Sometimes people are coming and going, sometimes they're not.

489
00:30:11,040 --> 00:30:13,760
Speaker 1: People are shady, the weather is crazy, your money can

490
00:30:13,760 --> 00:30:16,040
Speaker 1: be funny, and your change can be strange. But the

491
00:30:16,160 --> 00:30:19,800
Speaker 1: one thing we all have control over, every last one

492
00:30:19,800 --> 00:30:23,240
Speaker 1: of us, is how much wealth we leave when we die.

493
00:30:23,760 --> 00:30:27,520
Speaker 1: And Rassan, I want us to stop using go fund

494
00:30:27,600 --> 00:30:31,120
Speaker 1: me as a life insurance strategy. I want us to

495
00:30:31,240 --> 00:30:35,680
Speaker 1: stop using go fund me and crowdfunding because here's the

496
00:30:35,760 --> 00:30:39,600
Speaker 1: real deal. There was one guaranteed way to build wealth.

497
00:30:40,000 --> 00:30:42,680
Speaker 1: Because every last one of us has to do two things.

498
00:30:42,720 --> 00:30:44,960
Speaker 1: We have to pay taxes and one day we have

499
00:30:45,040 --> 00:30:47,560
Speaker 1: to leave up out of here. And when we leave here,

500
00:30:48,040 --> 00:30:51,160
Speaker 1: we have the ability to get enough life insurance to

501
00:30:51,280 --> 00:30:54,640
Speaker 1: not just take care of our last rights and rights

502
00:30:54,640 --> 00:30:57,520
Speaker 1: of passage and the funeral and them and the repasses

503
00:30:57,520 --> 00:31:00,840
Speaker 1: on those things, but we have the ability to carry

504
00:31:00,920 --> 00:31:04,440
Speaker 1: on wealth to future generations. Rashan, when I was on

505
00:31:04,480 --> 00:31:08,080
Speaker 1: food stamp, I was worth more dead than a live.

506
00:31:08,560 --> 00:31:10,640
Speaker 1: I'm not you know. That just is what it is,

507
00:31:10,680 --> 00:31:13,920
Speaker 1: and most people are anyway. But I had enough life

508
00:31:13,920 --> 00:31:19,000
Speaker 1: insurance to ensure that my three children could graduate from college,

509
00:31:19,240 --> 00:31:22,120
Speaker 1: could live the lifestyles that I envisioned for them. And

510
00:31:22,160 --> 00:31:24,160
Speaker 1: that that's not to say that they would have just

511
00:31:24,240 --> 00:31:27,040
Speaker 1: been wealthy and foot loose and fancy free. They would

512
00:31:27,040 --> 00:31:29,160
Speaker 1: have had a trust fund, and they still would have

513
00:31:29,200 --> 00:31:32,280
Speaker 1: had to work to sustain themselves, but they would have

514
00:31:32,320 --> 00:31:35,880
Speaker 1: had enough wealth to sustain themselves to a certain degree,

515
00:31:36,240 --> 00:31:39,320
Speaker 1: be able to continue their education and then pass that

516
00:31:39,400 --> 00:31:43,440
Speaker 1: wealth onto their children and their children's children. The Bible

517
00:31:43,520 --> 00:31:46,240
Speaker 1: says that a good man a good woman leads an

518
00:31:46,240 --> 00:31:49,560
Speaker 1: inheritance to a children's children. And I if I could

519
00:31:49,600 --> 00:31:53,240
Speaker 1: just say anything about spend less money, get your money back,

520
00:31:53,400 --> 00:31:56,560
Speaker 1: make your money very, spend less money, get more money,

521
00:31:56,720 --> 00:31:59,160
Speaker 1: get your money back, I would also say make your

522
00:31:59,200 --> 00:32:02,800
Speaker 1: money grow through proper investments. And insurance is one of

523
00:32:02,840 --> 00:32:06,400
Speaker 1: those investments. You know, I um, I have to agree,

524
00:32:07,040 --> 00:32:11,320
Speaker 1: But it's just so much though, Dr Lynn, when you

525
00:32:11,320 --> 00:32:12,840
Speaker 1: you know, like you said, the go fund me is

526
00:32:12,880 --> 00:32:16,440
Speaker 1: really cute, you know, you say, just see I'm trying

527
00:32:16,480 --> 00:32:19,800
Speaker 1: to I'm down on my luck or I'm struggling. If

528
00:32:19,840 --> 00:32:22,080
Speaker 1: you can just put some money in my go fund

529
00:32:22,080 --> 00:32:25,440
Speaker 1: me account. You know they're gonna take a fee when

530
00:32:25,440 --> 00:32:27,720
Speaker 1: you put it there. That's not all your money. They're

531
00:32:27,720 --> 00:32:29,800
Speaker 1: gonna take a fee a percentage of that, so know

532
00:32:29,920 --> 00:32:32,440
Speaker 1: that going in. So anytime you think you're trying to

533
00:32:32,520 --> 00:32:35,480
Speaker 1: get over and think you're getting something easy, somebody is

534
00:32:35,520 --> 00:32:37,840
Speaker 1: taking a percentage of that. And that's what you're saying.

535
00:32:37,920 --> 00:32:41,600
Speaker 1: Do it right and establish a relationship where there's an app,

536
00:32:41,680 --> 00:32:44,800
Speaker 1: do your homework or with a small broke brokerage firm,

537
00:32:45,000 --> 00:32:47,400
Speaker 1: so you can have a long term plan instead of

538
00:32:47,440 --> 00:32:50,200
Speaker 1: this quick, get get over plan. And that's what people

539
00:32:50,240 --> 00:32:52,360
Speaker 1: are doing with these go fund me accounts because you

540
00:32:52,400 --> 00:32:54,880
Speaker 1: see him on the news all the time. Immediate after

541
00:32:54,880 --> 00:32:57,080
Speaker 1: if somebody has done something or some tragedy or a

542
00:32:57,160 --> 00:33:00,600
Speaker 1: house burned down, or unfortunate death and meet quick death

543
00:33:00,600 --> 00:33:03,280
Speaker 1: in their family, the news is always saying, go fund me,

544
00:33:03,320 --> 00:33:04,840
Speaker 1: set up and go fund me, go set up and

545
00:33:04,880 --> 00:33:06,720
Speaker 1: go fund me account. And that's not the way it

546
00:33:06,760 --> 00:33:08,960
Speaker 1: goes in the real world of trying to get your

547
00:33:08,960 --> 00:33:14,320
Speaker 1: life straight financially correct. You know, no one has passed

548
00:33:14,320 --> 00:33:17,720
Speaker 1: on generational wealth by way of a go fund me account.

549
00:33:18,160 --> 00:33:21,240
Speaker 1: And what people need to also understand is that those

550
00:33:21,320 --> 00:33:24,440
Speaker 1: go fund me accounts can be shut down. So if

551
00:33:24,440 --> 00:33:29,120
Speaker 1: there is anything, yeah, there's any kind of pant of impropriety,

552
00:33:29,200 --> 00:33:31,680
Speaker 1: if there's when you set up a goal fund me account,

553
00:33:31,720 --> 00:33:34,560
Speaker 1: it has to be used for the purposes for which

554
00:33:35,000 --> 00:33:38,640
Speaker 1: um it was created. And so if the whole idea is,

555
00:33:38,680 --> 00:33:41,200
Speaker 1: for example, and we don't like to talk about death,

556
00:33:41,280 --> 00:33:43,840
Speaker 1: we'll talk about everything else. People talk about sex, they

557
00:33:43,880 --> 00:33:46,400
Speaker 1: talk about drugs, they talk about everything else. But they

558
00:33:46,400 --> 00:33:48,120
Speaker 1: don't want to talk about death and we don't want

559
00:33:48,160 --> 00:33:51,280
Speaker 1: to talk about money. And as zig Ziggler said, money

560
00:33:51,400 --> 00:33:53,920
Speaker 1: is like oxygen. You gotta have it. I don't care

561
00:33:53,920 --> 00:33:56,160
Speaker 1: where you go, what you do, when you look up, down,

562
00:33:56,280 --> 00:33:58,960
Speaker 1: all the way around. We're gonna have to talk about money.

563
00:33:59,280 --> 00:34:02,200
Speaker 1: We're spending money every single time we go outside, every

564
00:34:02,240 --> 00:34:04,720
Speaker 1: single time we wake up, every time, every single time

565
00:34:04,760 --> 00:34:07,160
Speaker 1: you get in your car and drive gas money. Can

566
00:34:07,160 --> 00:34:10,319
Speaker 1: anybody say gas money? So we have to talk about it.

567
00:34:10,600 --> 00:34:14,439
Speaker 1: And the truth is, if we make the decision. You see,

568
00:34:14,480 --> 00:34:17,840
Speaker 1: this is a choice, Rashwan, this is a choice. I

569
00:34:17,920 --> 00:34:20,840
Speaker 1: am going to choose to spend my money on something.

570
00:34:21,320 --> 00:34:24,040
Speaker 1: For some of us, that may be furniture. For some

571
00:34:24,120 --> 00:34:26,200
Speaker 1: of us, that may be jewelry. For some of us

572
00:34:26,200 --> 00:34:29,919
Speaker 1: that may be clothing. It may be our favorite meals. Um.

573
00:34:29,960 --> 00:34:33,360
Speaker 1: There's one study that says, particularly as African Americans, we

574
00:34:33,440 --> 00:34:37,120
Speaker 1: are eating our wealth away. UM. If we just take

575
00:34:37,160 --> 00:34:40,759
Speaker 1: the money that we spend on um uber eat, I'm

576
00:34:40,800 --> 00:34:44,160
Speaker 1: just gonna throw that in there. Uber eat a limit.

577
00:34:44,200 --> 00:34:48,120
Speaker 1: Say something over if you ought up all of the

578
00:34:48,200 --> 00:34:53,239
Speaker 1: money that's spent on Uber eats and um all of

579
00:34:53,280 --> 00:34:56,759
Speaker 1: the you know, grub hub and everything else. The delivery

580
00:34:56,840 --> 00:35:00,400
Speaker 1: places that deliver you your ten dollar hamburg or for

581
00:35:00,480 --> 00:35:04,279
Speaker 1: twenty seven dollars and cents if you if we take

582
00:35:04,360 --> 00:35:09,080
Speaker 1: that money, the average thirty five to forty year old

583
00:35:09,480 --> 00:35:12,000
Speaker 1: young man or young woman could have at least a

584
00:35:12,160 --> 00:35:16,600
Speaker 1: million dollars a million dollars in life insurance just with

585
00:35:16,760 --> 00:35:20,239
Speaker 1: your grub up money, just with your overeach money. I

586
00:35:20,280 --> 00:35:23,120
Speaker 1: didn't take away your sandwich. I didn't take away the pizza.

587
00:35:23,480 --> 00:35:25,680
Speaker 1: I didn't take away the submarine sandwich. I didn't take

588
00:35:25,719 --> 00:35:27,960
Speaker 1: away the French fract. I said, let me just take

589
00:35:28,000 --> 00:35:32,160
Speaker 1: the delivery feed that we are spending on those things

590
00:35:32,200 --> 00:35:35,920
Speaker 1: and allocated elsewhere. So you know that that was I'm

591
00:35:36,040 --> 00:35:38,520
Speaker 1: so passionate. As you know. We're stought about so many

592
00:35:38,560 --> 00:35:42,520
Speaker 1: areas and finances and all of them require grit, All

593
00:35:42,560 --> 00:35:45,719
Speaker 1: of them require grinds. You said it so many times.

594
00:35:45,800 --> 00:35:47,960
Speaker 1: And the way you telp others to build wealth and

595
00:35:47,960 --> 00:35:50,560
Speaker 1: build their careers. You gotta stick in there. You gotta

596
00:35:50,600 --> 00:35:53,160
Speaker 1: stay in there with life of us. You have to

597
00:35:53,200 --> 00:35:56,000
Speaker 1: stick to anything, just keep on living, pay the money

598
00:35:56,239 --> 00:35:58,880
Speaker 1: and been watch and see what happens when you transition.

599
00:35:59,080 --> 00:36:01,239
Speaker 1: So it's one of those things. It's an easy win

600
00:36:01,360 --> 00:36:05,440
Speaker 1: for us as a community life insurance. We've talked about that,

601
00:36:06,560 --> 00:36:10,640
Speaker 1: go fund me, stop using that, Stop using these grow

602
00:36:10,719 --> 00:36:13,640
Speaker 1: up hud apps and all these apps. Not saying it's negative,

603
00:36:13,760 --> 00:36:16,200
Speaker 1: just talking about, you know, go there and get the

604
00:36:16,239 --> 00:36:18,799
Speaker 1: food versus spending the feed. They have the food brought

605
00:36:18,840 --> 00:36:21,240
Speaker 1: to you. We had to call here Michael in Atlanta.

606
00:36:21,280 --> 00:36:23,160
Speaker 1: How are you doing, Michael, You're speaking to Dr Lynn

607
00:36:23,200 --> 00:36:26,640
Speaker 1: Richardson on Money Making Conversations master Class. What is your question?

608
00:36:28,360 --> 00:36:30,640
Speaker 1: I'm doing absolutely fine. Thank you so much for having

609
00:36:30,640 --> 00:36:33,720
Speaker 1: me on the show. UM. My question actually was about

610
00:36:33,719 --> 00:36:36,600
Speaker 1: life insurance. I actually ended up losing my job not

611
00:36:36,719 --> 00:36:40,080
Speaker 1: too long ago, and I just wanted to understand how

612
00:36:40,160 --> 00:36:43,520
Speaker 1: do I keep investing UM in my life insurance plan

613
00:36:43,760 --> 00:36:46,839
Speaker 1: when well, I mean, with this economy and everything going on,

614
00:36:46,920 --> 00:36:49,759
Speaker 1: I really don't know how to maintain it. I don't

615
00:36:49,760 --> 00:36:54,520
Speaker 1: really know what you do now you know that. Yeah,

616
00:36:54,600 --> 00:36:57,200
Speaker 1: that's an excellent question, and first of all, you know,

617
00:36:57,360 --> 00:37:00,000
Speaker 1: my my prayers are with you as you figure out

618
00:37:00,120 --> 00:37:03,239
Speaker 1: how to regroup. Regroup. Um. The number two things and

619
00:37:03,280 --> 00:37:06,760
Speaker 1: the overall financial strategy is to get more money, build

620
00:37:06,840 --> 00:37:09,759
Speaker 1: multiple streams of income, and so to that piece of it,

621
00:37:09,840 --> 00:37:13,480
Speaker 1: I would say, Um, start right now thinking about what

622
00:37:13,520 --> 00:37:15,640
Speaker 1: you can do. Start your own business, your own home

623
00:37:15,680 --> 00:37:18,719
Speaker 1: based business. Because one stream of income is has to

624
00:37:18,840 --> 00:37:21,840
Speaker 1: see your wealth. And one of the things I often say,

625
00:37:22,000 --> 00:37:24,480
Speaker 1: it doesn't matter if you're doctor, a lawyer, or a teacher,

626
00:37:24,760 --> 00:37:27,720
Speaker 1: you can still be an entrepreneur. A doctor can teach

627
00:37:28,480 --> 00:37:31,960
Speaker 1: health classes and tutor and things like that. A lawyer

628
00:37:32,000 --> 00:37:35,080
Speaker 1: can also teach legal clinics and teach people how not

629
00:37:35,200 --> 00:37:37,680
Speaker 1: to get shot if they get pulled over. Um. A

630
00:37:37,760 --> 00:37:40,640
Speaker 1: teacher can set up tutoring and so depending on what

631
00:37:40,719 --> 00:37:43,200
Speaker 1: your skill set is, whether it's your professional skill set

632
00:37:43,600 --> 00:37:46,799
Speaker 1: and or um, something that you have passion about or

633
00:37:46,840 --> 00:37:49,239
Speaker 1: that you are or that you enjoy doing, you set

634
00:37:49,320 --> 00:37:52,320
Speaker 1: up another stream of income. In terms of your life insurance.

635
00:37:52,320 --> 00:37:55,600
Speaker 1: You just hit a very key point. It is important

636
00:37:55,640 --> 00:37:58,320
Speaker 1: for every single one of us, and I'm saying everybody.

637
00:37:58,680 --> 00:38:01,800
Speaker 1: I don't care how many ALBS you have. It is

638
00:38:01,840 --> 00:38:05,160
Speaker 1: important for you to have your own life insurance policy

639
00:38:05,520 --> 00:38:09,160
Speaker 1: independence of your job, because if you lose your job,

640
00:38:10,040 --> 00:38:12,799
Speaker 1: you will also lose that life insurance. And by the

641
00:38:12,840 --> 00:38:15,759
Speaker 1: time you lose that job, you may be older. You

642
00:38:15,800 --> 00:38:18,319
Speaker 1: will be older. I mean even if it's just one day,

643
00:38:18,600 --> 00:38:21,960
Speaker 1: you'll be older, and you may not be in the

644
00:38:22,000 --> 00:38:24,600
Speaker 1: best health that you were in when you first got

645
00:38:24,640 --> 00:38:26,960
Speaker 1: the job or got the life insurance policy. So the

646
00:38:27,040 --> 00:38:29,560
Speaker 1: number one thing I'd say to you is um to

647
00:38:29,640 --> 00:38:32,239
Speaker 1: remember that this is the word in here, it's life.

648
00:38:32,560 --> 00:38:36,839
Speaker 1: This is your life. This literally is your life. And

649
00:38:36,960 --> 00:38:40,160
Speaker 1: I'm going to tell you from my own experience, it

650
00:38:40,200 --> 00:38:42,880
Speaker 1: did not matter. I was want food, fam I was,

651
00:38:43,480 --> 00:38:48,760
Speaker 1: you know, degreed in in finance, mathematics, business master degree.

652
00:38:49,080 --> 00:38:51,319
Speaker 1: I had been the vice president of a of a

653
00:38:51,360 --> 00:38:54,719
Speaker 1: major financial institution and I could not find a job.

654
00:38:54,920 --> 00:38:56,719
Speaker 1: But let me tell you what I had. I had

655
00:38:56,719 --> 00:38:59,200
Speaker 1: food samp, I had a roof over my head, and

656
00:38:59,200 --> 00:39:02,080
Speaker 1: I had some life insurance. Because here's what I knew.

657
00:39:02,400 --> 00:39:04,319
Speaker 1: As long as I have a roof over my head

658
00:39:04,560 --> 00:39:06,520
Speaker 1: and I have food on the table, I will not

659
00:39:06,640 --> 00:39:08,839
Speaker 1: be homeless and I will not be hungry. So you

660
00:39:08,880 --> 00:39:11,520
Speaker 1: get me pass those to two things. Go live with

661
00:39:11,560 --> 00:39:15,000
Speaker 1: my grandmother, whatever it takes to do to get there. Now,

662
00:39:15,000 --> 00:39:17,359
Speaker 1: I'm gonna grind and I'm gonna make sure I have

663
00:39:17,440 --> 00:39:21,160
Speaker 1: enough life insurance because just in case I don't wake up,

664
00:39:21,680 --> 00:39:24,279
Speaker 1: then my children would not feel the fall out of

665
00:39:24,360 --> 00:39:26,839
Speaker 1: my mispath. My children would not feel the fall out

666
00:39:26,880 --> 00:39:29,680
Speaker 1: my community, my generation. Some people say, well, I don't

667
00:39:29,680 --> 00:39:32,880
Speaker 1: have children, don't you care about something? Is there a

668
00:39:32,880 --> 00:39:35,560
Speaker 1: community center you'd like to build in your old neighborhood.

669
00:39:35,960 --> 00:39:38,160
Speaker 1: Is there something you'd like to donate to a school?

670
00:39:38,520 --> 00:39:40,719
Speaker 1: Is there a church? Is there a center? See what

671
00:39:40,760 --> 00:39:43,399
Speaker 1: other cultures do if they make sure that the next

672
00:39:43,440 --> 00:39:46,320
Speaker 1: group doesn't have to start over. And so my blessings

673
00:39:46,320 --> 00:39:48,719
Speaker 1: and my prayers are with you as you figure that

674
00:39:48,760 --> 00:39:52,120
Speaker 1: out and you find fifty dollars, sixty dollars or whatever

675
00:39:52,160 --> 00:39:54,120
Speaker 1: it is a month to figure out a way to

676
00:39:54,239 --> 00:39:57,960
Speaker 1: get some life insurance and to maintain it. Great, Um,

677
00:39:58,200 --> 00:40:01,120
Speaker 1: let me ask you this question because I'm not trying

678
00:40:01,120 --> 00:40:04,960
Speaker 1: to get into their life insurance expert conversation, but there

679
00:40:04,960 --> 00:40:07,600
Speaker 1: are different versions of life insurance. You have the term

680
00:40:07,680 --> 00:40:10,680
Speaker 1: life that I'm fair familiar with. Then you have a

681
00:40:10,760 --> 00:40:14,000
Speaker 1: whole and universal. Are you adverse enough to tell us

682
00:40:14,040 --> 00:40:17,000
Speaker 1: the difference? And why won't you go with the other there?

683
00:40:17,320 --> 00:40:21,880
Speaker 1: Dr Lamb Richardson, Absolutely so. In the in the early days,

684
00:40:21,960 --> 00:40:25,480
Speaker 1: if you're if you're financially uh, if you're struggling financially,

685
00:40:25,480 --> 00:40:27,680
Speaker 1: if you're trying to really hard to make ends, meet.

686
00:40:27,960 --> 00:40:30,600
Speaker 1: What I recommend in your early days of getting your

687
00:40:30,640 --> 00:40:34,000
Speaker 1: financial plan in order is to get as much term

688
00:40:34,200 --> 00:40:37,680
Speaker 1: life insurance as you can get a twenty or thirty

689
00:40:37,719 --> 00:40:42,080
Speaker 1: year term policy UM, that is temporary life insurance UM.

690
00:40:42,160 --> 00:40:45,240
Speaker 1: But instead of you only having let's say a hundred thousands,

691
00:40:45,440 --> 00:40:48,600
Speaker 1: you may have five hundred thousand or million, particularly if

692
00:40:48,640 --> 00:40:51,719
Speaker 1: you have children, if you have more than one child, UM,

693
00:40:51,800 --> 00:40:54,800
Speaker 1: if you have a parent, a grandparents. You see, Rashwan,

694
00:40:54,920 --> 00:40:57,600
Speaker 1: I had enough life insurance not just to take care

695
00:40:57,640 --> 00:41:00,359
Speaker 1: of my children, but my grandmother raised me. You've heard

696
00:41:00,360 --> 00:41:05,040
Speaker 1: me talk about grandma, and if something happened to me,

697
00:41:05,600 --> 00:41:07,759
Speaker 1: I wanted to make sure that there was enough money

698
00:41:07,760 --> 00:41:10,799
Speaker 1: to take care of her, to put her into not

699
00:41:11,000 --> 00:41:14,960
Speaker 1: just a nursing home, but a skilled facility that would

700
00:41:14,960 --> 00:41:18,960
Speaker 1: be able to support her comfortably during her last days.

701
00:41:19,040 --> 00:41:21,480
Speaker 1: And so when you get the life insurance policy, you

702
00:41:21,600 --> 00:41:25,680
Speaker 1: also set up a trust. The trust explains what to do.

703
00:41:26,160 --> 00:41:30,359
Speaker 1: The trust says, gives each child tuition money once a month,

704
00:41:30,520 --> 00:41:35,000
Speaker 1: or enough money for rent. It says, pay grandma's nursing

705
00:41:35,040 --> 00:41:37,279
Speaker 1: home bill, or whatever it does, because what we don't

706
00:41:37,280 --> 00:41:39,400
Speaker 1: want to do is leave this money for people to

707
00:41:39,480 --> 00:41:41,239
Speaker 1: just mess it up right, because we have to go

708
00:41:41,400 --> 00:41:47,000
Speaker 1: back from and kill everybody. That that's just you know,

709
00:41:47,120 --> 00:41:49,480
Speaker 1: because that's how we think. We're thinking, well, I don't

710
00:41:49,520 --> 00:41:51,200
Speaker 1: want to just leave it to him because then they're

711
00:41:51,239 --> 00:41:53,239
Speaker 1: gonna mess it up, and so we don't do anything. No.

712
00:41:54,120 --> 00:41:56,520
Speaker 1: A trust is a business plan for what happens to

713
00:41:56,600 --> 00:41:59,759
Speaker 1: your money until your assets after you die. So that's

714
00:42:00,040 --> 00:42:03,120
Speaker 1: term life. As you get a little more season, you

715
00:42:03,160 --> 00:42:06,160
Speaker 1: may want to convert some of your insurance to whole life.

716
00:42:06,600 --> 00:42:10,800
Speaker 1: Whole life is life insurance that will last you a lifetime.

717
00:42:11,239 --> 00:42:13,640
Speaker 1: You may have to pay it until you're sixty five

718
00:42:13,719 --> 00:42:15,920
Speaker 1: years old, where you may pay it until your seventy

719
00:42:15,920 --> 00:42:19,719
Speaker 1: five or whatever your particular contract says, but then that

720
00:42:19,800 --> 00:42:23,840
Speaker 1: life insurance is in place until you pass on. And

721
00:42:23,880 --> 00:42:27,200
Speaker 1: the good thing about whole life Rashaan is it's an

722
00:42:27,239 --> 00:42:31,600
Speaker 1: automatic built in savings plans. If you find yourself in

723
00:42:31,680 --> 00:42:34,880
Speaker 1: a situation where you need money to buy a house,

724
00:42:35,160 --> 00:42:38,080
Speaker 1: you can handle the emergency to live off of you

725
00:42:38,120 --> 00:42:41,800
Speaker 1: can pull down the money that has been placed into

726
00:42:41,840 --> 00:42:45,680
Speaker 1: that whole life saving portion. And then finally, universal There

727
00:42:45,680 --> 00:42:48,840
Speaker 1: are many different ways that you can use a universal policy,

728
00:42:49,000 --> 00:42:51,520
Speaker 1: but the number one way is to have its following

729
00:42:51,840 --> 00:42:55,000
Speaker 1: one of the top indexes in industries in the stock market.

730
00:42:55,280 --> 00:42:58,200
Speaker 1: So if you have a universal life policy and it

731
00:42:58,360 --> 00:43:01,560
Speaker 1: is outperforming the SMPS five hundred, then what you can

732
00:43:01,600 --> 00:43:05,200
Speaker 1: expect over time is that you're saving portion will grow,

733
00:43:05,560 --> 00:43:08,560
Speaker 1: just like the stock market. So there are multiple ways.

734
00:43:09,040 --> 00:43:11,640
Speaker 1: But I say to everyone, at least get started with

735
00:43:11,680 --> 00:43:18,120
Speaker 1: an inexpensive term policy and then uh your policy you know,

736
00:43:18,200 --> 00:43:20,359
Speaker 1: as you go along. And I would agree, alright, like

737
00:43:20,360 --> 00:43:22,839
Speaker 1: I said, I've had the I have, I've not had.

738
00:43:22,920 --> 00:43:26,040
Speaker 1: I have a universal policy, and the interest rate has

739
00:43:26,080 --> 00:43:29,800
Speaker 1: been no lord in four percent in the last fifteen years.

740
00:43:30,239 --> 00:43:32,880
Speaker 1: So that means when it was zero or one percent

741
00:43:33,040 --> 00:43:37,359
Speaker 1: or no percent, I've always had four percent minimum guaranteed

742
00:43:37,360 --> 00:43:41,560
Speaker 1: on my money that I had in my universal or

743
00:43:41,719 --> 00:43:45,640
Speaker 1: our whole policy. So she's telling the absolute truth. Yeah,

744
00:43:46,120 --> 00:43:48,200
Speaker 1: and that's about a hundred times better than what you're

745
00:43:48,200 --> 00:43:49,919
Speaker 1: gonna get in a stage of account at the bank.

746
00:43:50,520 --> 00:43:52,640
Speaker 1: It's about three times better than what you're gonna get

747
00:43:52,680 --> 00:43:56,040
Speaker 1: buying bond. And um, it's a great, great way to

748
00:43:56,120 --> 00:43:59,319
Speaker 1: have something stable. Um. But also that's that's growing with

749
00:43:59,400 --> 00:44:01,680
Speaker 1: the stock market. I love it. Yeah. And another note

750
00:44:01,840 --> 00:44:03,840
Speaker 1: she can tell you is that if you if you

751
00:44:03,960 --> 00:44:06,360
Speaker 1: if you can actually do a loan against the money

752
00:44:06,400 --> 00:44:09,040
Speaker 1: that you have, that so you actually can use your

753
00:44:09,080 --> 00:44:11,000
Speaker 1: money and not take it out, just take a loan

754
00:44:11,040 --> 00:44:14,040
Speaker 1: against it. And so it's just so many ways why

755
00:44:14,200 --> 00:44:17,520
Speaker 1: this is important to have a conversation doing national financial

756
00:44:17,560 --> 00:44:19,920
Speaker 1: Literacy made because we as a community, you have to

757
00:44:20,000 --> 00:44:23,000
Speaker 1: understand you don't have to always you know, you can

758
00:44:23,040 --> 00:44:25,319
Speaker 1: bar against your own money and then keep living a

759
00:44:25,360 --> 00:44:27,800
Speaker 1: great life instead of sitting over there playing high interest

760
00:44:27,880 --> 00:44:31,160
Speaker 1: rate or not being able to do anything because you're

761
00:44:31,160 --> 00:44:34,040
Speaker 1: frustrated because you didn't think out the process. We'll be

762
00:44:34,160 --> 00:44:42,200
Speaker 1: right back with more Money Making Conversations Masterclass with Rashan McDonald. Now,

763
00:44:42,280 --> 00:44:47,280
Speaker 1: let's return to Money Making Conversations Masterclass with Rashan McDonald.

764
00:44:47,440 --> 00:44:50,919
Speaker 1: Our relationship with Dr Lynn Richardson goes back over ten

765
00:44:51,040 --> 00:44:55,120
Speaker 1: years fifteen years when he was a regular, a regular

766
00:44:55,560 --> 00:44:58,359
Speaker 1: on Steve Harvey's talk show as a financial expert. You've

767
00:44:58,360 --> 00:45:00,879
Speaker 1: seen her many times on Good mor in America. So

768
00:45:01,239 --> 00:45:05,560
Speaker 1: you're getting a person who's giving advice that's naturally recognized

769
00:45:05,880 --> 00:45:08,440
Speaker 1: and I also a voice that cares about the community.

770
00:45:08,840 --> 00:45:11,080
Speaker 1: And that's why it's important when she gives his advice

771
00:45:11,400 --> 00:45:14,200
Speaker 1: that you can hear that little extra passion in her

772
00:45:14,280 --> 00:45:17,799
Speaker 1: back because it's all bit up. She's like ready to

773
00:45:17,880 --> 00:45:20,799
Speaker 1: just just jump in and just tell you shake you

774
00:45:21,320 --> 00:45:24,560
Speaker 1: listen to me, you can do this. And that's really

775
00:45:24,560 --> 00:45:27,920
Speaker 1: what drives her. And that's what makes me really enjoyed

776
00:45:28,040 --> 00:45:30,759
Speaker 1: listening to you. I just sit back because when you

777
00:45:30,840 --> 00:45:34,160
Speaker 1: when you in in the blessed to be a part

778
00:45:34,200 --> 00:45:36,600
Speaker 1: of something unique, and that's when I have these conversations

779
00:45:36,600 --> 00:45:39,760
Speaker 1: with you, Dr Letts, and you're unique and very special

780
00:45:39,760 --> 00:45:43,200
Speaker 1: talent and what you're doing is just not normal. And

781
00:45:43,239 --> 00:45:47,520
Speaker 1: I really appreciate you coming on the show talking like this. Wow.

782
00:45:48,120 --> 00:45:50,720
Speaker 1: Let me tell you when you said, it's that little

783
00:45:50,719 --> 00:45:52,840
Speaker 1: passion like I just want to jump I do. I

784
00:45:52,880 --> 00:45:58,520
Speaker 1: want to just jump in your mind of the people

785
00:45:58,920 --> 00:46:02,080
Speaker 1: and just say go. If I had a remote control

786
00:46:02,160 --> 00:46:04,919
Speaker 1: and I and I could use it to help every

787
00:46:05,000 --> 00:46:07,200
Speaker 1: last one of us make the decisions that we need

788
00:46:07,239 --> 00:46:10,600
Speaker 1: to make to be free. You see ya, this is

789
00:46:10,640 --> 00:46:13,520
Speaker 1: not just about money and what I want people understand.

790
00:46:13,640 --> 00:46:18,040
Speaker 1: It's about the freedom that you have when you have

791
00:46:18,239 --> 00:46:22,640
Speaker 1: the resources to make choices that are in alignment with

792
00:46:22,760 --> 00:46:27,360
Speaker 1: God's will and your wishes. It's about freedom right, we

793
00:46:27,480 --> 00:46:30,719
Speaker 1: got Eric, Eric and from College Park. How are you doing? Eric,

794
00:46:31,520 --> 00:46:34,160
Speaker 1: I'm Finis McDonald. I'm glad I caught you. I didn't

795
00:46:34,200 --> 00:46:37,520
Speaker 1: think I would, but I heard Dr Lynn Richard some speak.

796
00:46:38,880 --> 00:46:44,439
Speaker 1: She was talking to me, so I had the dollars level. Well,

797
00:46:44,440 --> 00:46:48,360
Speaker 1: what question you have for the incredible Dr levite speak?

798
00:46:48,400 --> 00:46:54,000
Speaker 1: My friends? When she spoke about the uh SMP and

799
00:46:54,080 --> 00:46:56,760
Speaker 1: that I could invest, say fifty bucks a month or whatever,

800
00:46:57,200 --> 00:47:02,440
Speaker 1: I need to hear that one more time. Absolutely, yes,

801
00:47:02,560 --> 00:47:06,160
Speaker 1: you can choose a license, a universal whole life insurance

802
00:47:06,200 --> 00:47:11,560
Speaker 1: policy that is connected to an index. So if you

803
00:47:11,680 --> 00:47:14,960
Speaker 1: choose a fund, let's just say, for example, you have

804
00:47:15,160 --> 00:47:18,600
Speaker 1: a brokerage account at Fidelity or charge SWAB or TVA,

805
00:47:18,680 --> 00:47:21,799
Speaker 1: Merror Trade or each any one of them, go into

806
00:47:21,880 --> 00:47:27,520
Speaker 1: the research section and choose a fund that outperforms the

807
00:47:27,800 --> 00:47:31,120
Speaker 1: S and P five hundreds, so you have a four

808
00:47:31,120 --> 00:47:34,440
Speaker 1: oh one K or if you have a life insurance policy,

809
00:47:34,880 --> 00:47:38,040
Speaker 1: then you have the ability to invest your money. You're

810
00:47:38,080 --> 00:47:40,919
Speaker 1: gonna see a list of funds. Most of us don't

811
00:47:40,920 --> 00:47:43,520
Speaker 1: know what that listings. Uh. It may see that. It

812
00:47:43,640 --> 00:47:47,719
Speaker 1: may say the Fidelity funds, It may save these Vanguard funds,

813
00:47:47,760 --> 00:47:51,280
Speaker 1: and it'll have three or four letters. You take those

814
00:47:51,360 --> 00:47:54,719
Speaker 1: three or four letters, you put them into your research

815
00:47:54,840 --> 00:47:59,719
Speaker 1: box and on the website, on your platform, and then

816
00:47:59,760 --> 00:48:03,680
Speaker 1: you repair compared to what you compared to the SMP

817
00:48:03,760 --> 00:48:08,480
Speaker 1: five hundred. If your fund performs better than the SMP

818
00:48:08,600 --> 00:48:11,880
Speaker 1: five hundred over the past twenty years. So I'm not

819
00:48:11,920 --> 00:48:14,799
Speaker 1: just giving you quick advice. Look at what it's done

820
00:48:14,840 --> 00:48:17,600
Speaker 1: over the past twenty years. If that fund out performs

821
00:48:17,600 --> 00:48:20,759
Speaker 1: the SMP five hundreds, what it means is it's going

822
00:48:20,840 --> 00:48:25,160
Speaker 1: to increase in value over time. Now we're making a

823
00:48:25,239 --> 00:48:28,959
Speaker 1: decision between two funds. Look at both funds and see

824
00:48:29,000 --> 00:48:32,720
Speaker 1: which one performed the best. So that's a very simple

825
00:48:32,760 --> 00:48:36,319
Speaker 1: way for anybody. I don't care who you are. You

826
00:48:36,360 --> 00:48:39,200
Speaker 1: don't have to have any investment knowledge to be able

827
00:48:39,200 --> 00:48:42,560
Speaker 1: to decide which funds should I choose, Because Rashawn, that's

828
00:48:42,600 --> 00:48:45,040
Speaker 1: one of the things that gets most of us. We

829
00:48:45,120 --> 00:48:47,600
Speaker 1: don't know what funds to choose for our four one kids,

830
00:48:47,880 --> 00:48:53,320
Speaker 1: our whole propersonal life and so on. Yeah, while Erica,

831
00:48:53,520 --> 00:48:56,480
Speaker 1: you know, just getting that information. If there is some

832
00:48:56,560 --> 00:49:00,200
Speaker 1: work you gotta go online. You know there's there's but

833
00:49:00,360 --> 00:49:03,680
Speaker 1: she's showing it. There's no magic bullet here. The information

834
00:49:03,800 --> 00:49:07,120
Speaker 1: is there. You just have to compare. And that's the

835
00:49:08,400 --> 00:49:13,640
Speaker 1: that's the part that really drives us maddening and maybe

836
00:49:13,680 --> 00:49:17,000
Speaker 1: angry because of the fact that we are We all

837
00:49:17,080 --> 00:49:20,960
Speaker 1: have cell phones. You know that cell phone. Just go

838
00:49:21,080 --> 00:49:24,000
Speaker 1: to just go to to uh, just go to yourail.

839
00:49:24,239 --> 00:49:26,120
Speaker 1: You can look at it, looks into it. Now because

840
00:49:26,120 --> 00:49:28,919
Speaker 1: we're in a mobile society. So there's no excuse. Now

841
00:49:29,400 --> 00:49:31,280
Speaker 1: I don't have a computer, I don't have a laptop.

842
00:49:31,360 --> 00:49:34,280
Speaker 1: You have a cell phone, and that cell phone allows

843
00:49:34,320 --> 00:49:37,120
Speaker 1: you to do all the research. That cell phone allows

844
00:49:37,160 --> 00:49:40,400
Speaker 1: you to download apps. That cell phone allows you to

845
00:49:40,560 --> 00:49:46,080
Speaker 1: actually run your financial enterprise. Let's think that big. You

846
00:49:46,120 --> 00:49:49,319
Speaker 1: are a financial enterprise. And if you think that way,

847
00:49:49,640 --> 00:49:52,440
Speaker 1: then guess what your mindset would change. And that's what

848
00:49:52,560 --> 00:49:55,520
Speaker 1: let Richardson is telling us. But I'm just telling you

849
00:49:55,600 --> 00:49:59,160
Speaker 1: the excuse of the old days. I don't I don't

850
00:49:59,200 --> 00:50:01,799
Speaker 1: have the technology need to compete. I don't have the

851
00:50:01,840 --> 00:50:04,799
Speaker 1: ability to do the research. Yes you do. If you

852
00:50:04,920 --> 00:50:07,319
Speaker 1: called me on your mobile phone, if you're listening to

853
00:50:07,360 --> 00:50:10,120
Speaker 1: me on their phote phone, if you use your mobile phone,

854
00:50:10,360 --> 00:50:14,239
Speaker 1: you have the ability to compete. There are no excuses.

855
00:50:14,719 --> 00:50:18,280
Speaker 1: Do what she's asking all she's doing is asking the listeners,

856
00:50:18,400 --> 00:50:24,800
Speaker 1: asking you Eric to do this. Okay. This is most

857
00:50:24,840 --> 00:50:28,120
Speaker 1: of the time when people ask me a question, I

858
00:50:28,239 --> 00:50:31,120
Speaker 1: give them a class and people say, well, then why

859
00:50:31,160 --> 00:50:34,200
Speaker 1: can't you just answer the question? Rashan, You know there's

860
00:50:34,200 --> 00:50:37,319
Speaker 1: no such thingers just answering the question. You have to

861
00:50:37,400 --> 00:50:40,440
Speaker 1: learn how to get your money straight, and then you

862
00:50:40,520 --> 00:50:43,560
Speaker 1: have to learn how to keep your money straight. Okay,

863
00:50:43,600 --> 00:50:46,359
Speaker 1: because more money doesn't solve a money problem. If it did,

864
00:50:46,480 --> 00:50:49,400
Speaker 1: millionaires wouldn't go bankrupt. There are too many stories of

865
00:50:49,440 --> 00:50:52,000
Speaker 1: people who get money and they lose it because they

866
00:50:52,040 --> 00:50:54,239
Speaker 1: did not do the work to get it, nor did

867
00:50:54,280 --> 00:50:57,200
Speaker 1: they do the work to keep it. So education is

868
00:50:57,200 --> 00:51:00,239
Speaker 1: the key, and we need to move from knowledge to

869
00:51:00,400 --> 00:51:04,520
Speaker 1: action because knowledge is not power. People say knowledge is power. No,

870
00:51:04,680 --> 00:51:08,000
Speaker 1: knowledge is not power until it is put into action.

871
00:51:11,920 --> 00:51:15,360
Speaker 1: You are how do okay? They listened to you on

872
00:51:15,480 --> 00:51:18,480
Speaker 1: my show once a quarter. How can they reach out

873
00:51:18,520 --> 00:51:21,120
Speaker 1: to you? Do you have a website? How what's your

874
00:51:21,160 --> 00:51:26,200
Speaker 1: social media? Because your information is sustainable and they need

875
00:51:26,239 --> 00:51:27,640
Speaker 1: to know how to reach out to you. Got one

876
00:51:27,680 --> 00:51:31,239
Speaker 1: minute left filament on all the closing details about how

877
00:51:31,320 --> 00:51:33,680
Speaker 1: they can reach out to Dr le Richardson and what

878
00:51:34,040 --> 00:51:38,760
Speaker 1: format you have available to change their lives. Well, first

879
00:51:38,760 --> 00:51:40,480
Speaker 1: of all, I'm more than happy to come back as

880
00:51:40,520 --> 00:51:42,239
Speaker 1: much as you like, so we could turn once of

881
00:51:42,400 --> 00:51:47,680
Speaker 1: cording to one of mind. That's number one. Number two

882
00:51:48,680 --> 00:51:51,880
Speaker 1: ask lying dot org, well to ask lynn A s

883
00:51:51,960 --> 00:51:55,480
Speaker 1: k O y n N no eat dot org. Submit

884
00:51:55,560 --> 00:51:58,720
Speaker 1: your question, you get an immediate reply, and then follow

885
00:51:58,760 --> 00:52:01,680
Speaker 1: me on social media at much. If you want to

886
00:52:01,760 --> 00:52:05,080
Speaker 1: boatload of knowledge of education, go to my YouTube page

887
00:52:05,080 --> 00:52:08,400
Speaker 1: which is limited to TV, but as dot org is

888
00:52:08,440 --> 00:52:12,880
Speaker 1: the gateway to your freedom. My friend again, Uh, you

889
00:52:12,880 --> 00:52:16,239
Speaker 1: are so special, You're such a you know, it's always

890
00:52:16,640 --> 00:52:18,400
Speaker 1: you know, I've done a lot of good things in

891
00:52:18,440 --> 00:52:21,799
Speaker 1: my life. Bar when you come on my show, you

892
00:52:21,840 --> 00:52:23,759
Speaker 1: have me fired up, you have me thinking all the

893
00:52:23,840 --> 00:52:26,440
Speaker 1: right things. But more importantly, you change people's lives. We

894
00:52:26,600 --> 00:52:30,360
Speaker 1: talked soon again. This is Dr Lan Richardson. She's blessed

895
00:52:30,480 --> 00:52:35,200
Speaker 1: us with another another great episode on Money Making Conversation Masterclass.

896
00:52:35,280 --> 00:52:39,759
Speaker 1: You've been listening to Money Making Conversations Masterclass with Rushan McDonald.

897
00:52:40,040 --> 00:52:44,240
Speaker 1: Always remember to lead with your gifts. Money Making Conversations

898
00:52:44,320 --> 00:52:48,800
Speaker 1: Masterclass is a presentation of thirty eight fifteen Media Incorporated

899
00:52:50,840 --> 00:52:54,280
Speaker 1: you are now tuned into the money Making Conversations Minute

900
00:52:54,280 --> 00:52:58,000
Speaker 1: of Inspiration with Rashan McDonald. Hi Rashan McDonald for money

901
00:52:58,040 --> 00:53:00,919
Speaker 1: Making Conversation with your daily Minute Events ration. This week,

902
00:53:00,960 --> 00:53:04,600
Speaker 1: I sat down with singer, songwriter, actress, producer and award

903
00:53:04,640 --> 00:53:08,000
Speaker 1: winning artist you know take Me to the King, Tamler Man.

904
00:53:08,440 --> 00:53:10,759
Speaker 1: She graced my show and talking about her new song

905
00:53:10,920 --> 00:53:13,360
Speaker 1: he did it for Me, Tamla shares there was a

906
00:53:13,440 --> 00:53:15,600
Speaker 1: time she wondered when God was going to do it

907
00:53:15,640 --> 00:53:19,520
Speaker 1: for her? How you interview with me? Why you ain't tied?

908
00:53:20,960 --> 00:53:26,520
Speaker 1: I was tired. I took I took a few breaks breaks,

909
00:53:27,120 --> 00:53:31,120
Speaker 1: but and then to working on the music. But you

910
00:53:31,160 --> 00:53:33,279
Speaker 1: know what, you have to kind of work while this day.

911
00:53:33,360 --> 00:53:35,720
Speaker 1: You have to just keep going while you can because

912
00:53:35,760 --> 00:53:38,120
Speaker 1: you don't know what we do. You don't know what's

913
00:53:38,120 --> 00:53:40,560
Speaker 1: gonna happening, So you kind of have to work. When

914
00:53:40,560 --> 00:53:43,399
Speaker 1: it's time to work, and I think people don't time

915
00:53:43,520 --> 00:53:45,680
Speaker 1: to play, then you play. Tune in to hear my

916
00:53:45,760 --> 00:53:49,040
Speaker 1: full conversation with Tamla Man on Money Making Conversation dot

917
00:53:49,040 --> 00:53:49,279
Speaker 1: Com