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Speaker 1: Building The Good Life with John Hope Bryant is brought

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Speaker 1: to you by Prudential Financial. My dad was the first

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Speaker 1: black minister that had been appointed the district superintendent for

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Speaker 1: the San Diego District. After a short time in Long Beach,

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Speaker 1: he was appointed to a predominantly white church, which was

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Speaker 1: unheard of back in the early eighties. And then he

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Speaker 1: was called by a bishop in Harlem to come out

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Speaker 1: and revitalize a great church in Harlem. And so he

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Speaker 1: felt called to do that, and we packed up and

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Speaker 1: we went across country to Harlem in the mid eighties.

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Speaker 1: Seeing all of that service to others really made an

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Speaker 1: impression on me. Hey, Hey, this is John Hope Bryant,

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Speaker 1: and this is building we are here in a special

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Speaker 1: podcast with a dear friend of mine, I say, this

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Speaker 1: lady doesn't walk on the water, but she knows where

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Speaker 1: the stones are. She's able to tap dance in a

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Speaker 1: corporate board room and on a dance floor and be

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Speaker 1: authentic in both places. She happens to be African American,

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Speaker 1: which she's just really a great leader who happens to

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Speaker 1: be black. As we say in my neighborhood, she's a

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Speaker 1: bad sister. That's s I s t A. Okay. On

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Speaker 1: a serious note, this is now the formal introduction. That

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Speaker 1: was my friendly introduction. Her name is Darlene Goings. She

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Speaker 1: is the executive vice president in charge of and head

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Speaker 1: of the Banking Inclusion Initiatives. I'll tell you what that

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Speaker 1: means in a moment, but it's a big deal at

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Speaker 1: Wells Fargo. Wells Fargo is one of the three well

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Speaker 1: they call it in the government sort of constitutionally relevant institutions.

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Speaker 1: It's a it's a systemically important institution, which means that

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Speaker 1: basically the government in the country can't live without it.

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Speaker 1: It's it's systemically important for the health and safety and

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Speaker 1: in the lifeblood of the largest economy on the planet,

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Speaker 1: the United States of America. Wells Fargo has been around

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Speaker 1: since eighteen fifty two, created by some dudes with some

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Speaker 1: stage coaches. They're really in the originally in the mail

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Speaker 1: delivery business. In part they deliver. The mail they're delivering

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Speaker 1: was gold bars, but anyway, it was they were delivering stuff.

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Speaker 1: It was faster in the US Postal Service, and they

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Speaker 1: also helped to create American suppress. This is their history

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Speaker 1: going back to the eighteen hundreds. Is from California during

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Speaker 1: the Gold Rush. Uh and it's fair to say it

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Speaker 1: was an institution that was made up of a dent

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Speaker 1: of people who didn't look like me. The world has changed,

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Speaker 1: and so as wells Fargo, and I'm proud to say

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Speaker 1: that Rose Fargo has changed with the world, in fact,

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Speaker 1: do a little bit better. I was with the CEO,

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Speaker 1: Charlie Sharf this morning at the opening of our two

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Speaker 1: hundred Hope Inside location in uh Georgia here in Greater

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Speaker 1: Atlanta under the Cab County, and I was noting the

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Speaker 1: diversity and inclusion numbers. They've doubled them. They've hit their

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Speaker 1: mark and doubled the diversity and inclusion numbers as minorities

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Speaker 1: and women. That's just since George Floyd uh so, in

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Speaker 1: the middle of this storm, they've created a rainbow. And

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Speaker 1: one of those rainbows and sitting in front of me,

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Speaker 1: her name is Darlene Goins. Hey, Darlene, Hey, what's up.

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Speaker 1: See when you when you got a title like this,

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Speaker 1: executive vice president, Head of Banking Inclusion, you just be

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Speaker 1: like you can just be relaxed. All my friends stressed out,

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Speaker 1: they broke. My broke friends stressed out. They they got

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Speaker 1: stressed in their voice, Darlene is easy's dressed out. I'm

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Speaker 1: just not broke, Okay, okay, and see and see. Darling

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Speaker 1: is super smart. Like this is one thing I love

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Speaker 1: about her. One of the many things she has integrity,

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Speaker 1: She's authentic. Uh, she she's she doesn't suffer fools, but

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Speaker 1: she's very gracious about it. But she you don't have

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Speaker 1: to make an excuse for. And this is my sort

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Speaker 1: of my new hopeful formula for black folks and minorities

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Speaker 1: and uh in America, in the world. She's not a

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Speaker 1: black leader. She's a great leader who happens to be black.

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Speaker 1: She's just strong and Charlie and the team were smart

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Speaker 1: to recognize that strength. Um. And that's what I want

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Speaker 1: to illustrate. The day that we've been making dumb sexy

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Speaker 1: for too long. We've done down and celebrated it, and

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Speaker 1: it's time to make smart sexy again. Um, Darling, you've

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Speaker 1: got a big job. Um. And I jokingly call it.

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Speaker 1: I called it a head of Black Folk Empowerment, or

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Speaker 1: you can call it head of Latino empowerment, or head

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Speaker 1: of women empowerment, or head of Native American Indian empowerment,

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Speaker 1: or head of poor struggling white rule empowerment because it's

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Speaker 1: really it's about inclusion. But in all, in all seriousness,

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Speaker 1: it came in the backdrop, in the environmentally, in the

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Speaker 1: backdrop of the George Floyd murder um, and so it

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Speaker 1: does come out in that context and in that regard.

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Speaker 1: I think the things that I've seen you guys do,

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Speaker 1: which I want you to talk about, have been extraordinarily

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Speaker 1: important and extraordinarily relevant to today's time. Tell us a

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Speaker 1: little bit about your job as you see it. I

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Speaker 1: want to get into some of the drama, the challenges

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Speaker 1: that the bank has dealt with as a systemically important institution.

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Speaker 1: People pick on you, uh, some rightly. So sometimes it's

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Speaker 1: just picking on you because you're big and you're there,

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Speaker 1: and as a black person sitting as a black woman

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Speaker 1: sitting at the in the corporate suite, it can't be

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Speaker 1: easy to be on both sides of this conversation. But

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Speaker 1: you do it with grace and style. So tell us

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Speaker 1: a little bit about your job and then we'll get

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Speaker 1: we'll go a little deeper. Sure, So, a little over

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Speaker 1: a year ago, probably about fifteen months ago, we took

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Speaker 1: a look at the uneven impact of the pandemic on

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Speaker 1: communities of color um on all levels economically, from a

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Speaker 1: healthcare perspective, housing, and we felt like as one of

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Speaker 1: the largest consumer banks in the country, we needed to

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Speaker 1: do more. And so, you know, I've always had a

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Speaker 1: passion around financial health and financial empowerment, and so when

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Speaker 1: I was asked to think about how we could help

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Speaker 1: bring more people into the mainstream banking system, how we

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Speaker 1: could increase access to affordable banking products, I came to

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Speaker 1: the table with a lot of ideas and helped launch

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Speaker 1: what is now the Banking Inclusion Initiative. So it is

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Speaker 1: Wells Fargo's tenure commitment to help more people who are

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Speaker 1: unbanked get access to affordable banking products and also to

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Speaker 1: get access to financial guidance and advice, yes exactly, amongst others. Yes.

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Speaker 1: And we also formed a national Unbanked task Force of

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Speaker 1: leading advocacy organizations where we have the leaders of those organizations.

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Speaker 1: We have Derrek Johnson from Janet Marghia from unido's US,

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Speaker 1: Mark Moreal from National Urban League, and they have just

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Speaker 1: been just true partners along this journey with us. And

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Speaker 1: so at the end of the day, I mean there

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Speaker 1: are more than seven million households in the US that

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Speaker 1: are unbanked, meaning they don't have a bank account with

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Speaker 1: a bank or a credit union. You guys hear that.

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Speaker 1: That's amazing number. And the largest economy, most developed economy

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Speaker 1: in the entire world. Seven many people have no banking

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Speaker 1: relationship whatsoever. We have another almost forty million they're underbanked. Yes,

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Speaker 1: and more than off of those unbanked households are black

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Speaker 1: or African American, Hispanic or Native American. Yeah, as we

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Speaker 1: were talking about and by the way, for the audience

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Speaker 1: listening to this, just so you know, the number one

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Speaker 1: group of for the largest group of poor people in

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Speaker 1: this country or poor whites, uh, and the number one

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Speaker 1: group dying in this country or white high school educated

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Speaker 1: men dying of opioid addiction. But that is triggered by depression,

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Speaker 1: really a lack of aspiration, a lack of opportunity. And

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Speaker 1: when we talked about this morning at the opening of

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Speaker 1: the Hope and Side location um into Cab, we were

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Speaker 1: talking about how half of African Americans you have forty

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Speaker 1: main afric Americans, but half of us have a credit

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Speaker 1: score below six. You think about that. Yes, racism is

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Speaker 1: real and bias and all the rest of these things

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Speaker 1: are real. We obsessed about those things. But it just

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Speaker 1: might be you weren't getting ACTRA as the credit because

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Speaker 1: your credit stunk. Um. Now, it's not your It wasn't

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Speaker 1: your creation. That problem was your creation. Because in many ways,

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Speaker 1: I think this banking inclusion initiative is a continuation of

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Speaker 1: the Freeman's Banks legacy, just as we're continuing that legacy

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Speaker 1: from five a bank created by Lincoln teach free slaves

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Speaker 1: about money, formally enslaved people about about money. Uh. Lincoln

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Speaker 1: was killed the next month, as as Dr King was

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Speaker 1: assassinated a hundred years later trying to pursue the Poor

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Speaker 1: People's Campaign, which was about all races of people, including

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Speaker 1: poor whites. But it's with African Americans. Is what we

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Speaker 1: don't know that we don't know. We're not dumb and

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Speaker 1: we're not stupid. We're brilliant. And when the rules are

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Speaker 1: published and the Plane told us level i e. Professional sports,

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Speaker 1: i e. The arts, where we're here here at I

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Speaker 1: hard right now, whether it's public policy, politicians, rules are published,

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Speaker 1: plane to this level, we kill it. We succeed. But

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Speaker 1: banking and capitalism and free enterprise and entrepreneurship. Dude, we

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Speaker 1: didn't get that real book. So our credit, amongst other things,

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Speaker 1: is one of the things that suffered because we didn't

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Speaker 1: understand this game, and it's half of us. It stinks.

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Speaker 1: And as a result of that, you can't get a

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Speaker 1: decent auto loan. As I said earlier today Mercedes means

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Speaker 1: mercies payments. In that environment, you can't get a decent mortgage.

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Speaker 1: You can't get a small business loan at all. So

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Speaker 1: you have a brilliant idea, you can't execute on it

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Speaker 1: now with a small business loan because you need a

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Speaker 1: seven herd of credit score for that. So sometimes you

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Speaker 1: can't even went an apartment or get a job, or

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Speaker 1: get a job. Half of employers require a credit check.

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Speaker 1: That's why I think financial literacy is a civil rights

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Speaker 1: issue of his generation. But just to real underscore what

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Speaker 1: I what I was making about the poor white population.

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Speaker 1: Whether you go to a five credit score black urban,

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Speaker 1: black and brown urban neighborhood or a poor white rule neighborhood,

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Speaker 1: what you see is a check casher next to a

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Speaker 1: paid a loan lender, next to a rent to own store,

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Speaker 1: next to a title lender, next to a liquor store

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Speaker 1: next to a pawn shop, a church down the street,

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Speaker 1: for sure. Trying to make you feel a little bit

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Speaker 1: better once a week. Little hooping and hollering gets it

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Speaker 1: all out of your system if you're black. Um, But

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Speaker 1: the reality is we're depressed. We're depressed, and we're being

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Speaker 1: preyed upon. And what I love what you're trying to

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Speaker 1: do is you cannot have success in any mainstream economy

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Speaker 1: or any economy without banking the power of banking. We

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Speaker 1: don't understand banking. I'm glad you're there. Um. People don't

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Speaker 1: realize that Wells fargoes at two trillion dollar institution. That's

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Speaker 1: trillion with a T. It is a forty first Fortune

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Speaker 1: five company in size, so fortunate, biggest companies in the world.

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Speaker 1: It's the forty one largest. It is, like I said,

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Speaker 1: one of three systemic banks in this country. And there

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Speaker 1: are six thousand banks in this country, six thousand banks,

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Speaker 1: seventy five thousand bank branches. I mean, it's unbelievable. These

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Speaker 1: numbers are unbelievable. And you know, I think I think

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Speaker 1: there's like fourteen trillion dollars in all banking assets. If

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Speaker 1: I got my number right, and there to trion of it.

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Speaker 1: So in this lady sitting in front of me walking

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Speaker 1: around humbly chilling, is is in charge of the banking

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Speaker 1: inclusion initiatives. A week excited about rappers and professional athletes

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Speaker 1: and people need to be come passing like, oh, Darling,

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Speaker 1: give me your autograph. Can you know they do that? John? Okay,

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Speaker 1: I got our home number of office on number. I

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Speaker 1: got a cell phone number. I got so scary number.

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Speaker 1: I'm all over life. She showed up the Christmas she

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Speaker 1: could open the door. I was right there and look

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Speaker 1: at me under the Christmas Street. I'm all over Darlene

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Speaker 1: like a cheap suit. I ain't playing Darlene. There's there's

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Speaker 1: other black women who are excelling. By the way, it

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Speaker 1: was Fargo, Gigi, uh yeah, a great lady. And Maryland

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Speaker 1: I just met. We got to know a little bit

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Speaker 1: more Maryland. And there's there's a number of people even

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Speaker 1: in the executive uh I call it the executive council.

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Speaker 1: It's not called that. But in the management team that

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Speaker 1: Charlie has the CEO, there are African Americans there as well.

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Speaker 1: There are Aftermarers on the boarder directors. I think there's

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Speaker 1: three blacks on your board of directors. As I recall, Uh,

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Speaker 1: so they've they've really have walked the talk from the

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Speaker 1: top to the bottom. And uh, now let's talk a

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Speaker 1: little bit about Um, I'm gonna come back to your story,

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Speaker 1: but I want let's let's talk about the obvious, because

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Speaker 1: somebody out there is rolling their eyes because we all

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Speaker 1: want something to to hay, to talk about or whatever.

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Speaker 1: And as I keep saying, as Saint is a center

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Speaker 1: that got up, an angel has dirty faces. We're all

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Speaker 1: angels with dirty faces. There is no perfect. I offered

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Speaker 1: a friend of mine a plane ticket. They were complaining

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Speaker 1: about America, how crap it screwed up America. Was okay,

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Speaker 1: I agree with you. Here's a plane ticket. Take care,

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Speaker 1: we're in anywhere you like, of finance it. We'll send

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Speaker 1: your stuff. They're still here. So so so, well's frog

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Speaker 1: is not perfect, Darlene, did you hear that? You guys

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Speaker 1: are not perfect? Really? Really? Uh, nobody's perfect? All right,

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Speaker 1: So intention matters. Um. I was there in uh little

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Speaker 1: committee in l A when the first crisis hit. Well,

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Speaker 1: it's far ago about these accounts. What year was at

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Speaker 1: that's when the news came out? Yeah, and I think

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Speaker 1: it's been brewing a little bit before that. And and

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Speaker 1: I did run into local arrogance. I did run into

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Speaker 1: people who who just wouldn't listen. They weren't they weren't thieves,

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Speaker 1: they weren't fraudulent. They were trying to get a bonus.

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Speaker 1: The people that they were trying to incentivize, people who

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Speaker 1: worked at Wells Fargo to get a bigger bonus because

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Speaker 1: you could open accounts. It wasn't like a malicious thing.

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Speaker 1: It was like the way that we're going to measure successes.

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Speaker 1: You if you're in the branch level, you open more accounts.

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Speaker 1: So that somebody came up with the unbright idea to

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Speaker 1: just open get people to open accounts, whether there was

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Speaker 1: anything in it or not, which gave him more money. Well,

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Speaker 1: those were dumb people. And those dumb people have been fired.

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Speaker 1: They're gone. And by the way, that was another bank,

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Speaker 1: because that was a merger ago. People don't realize that

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Speaker 1: even though the name of the bank stays the same,

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Speaker 1: oftentimes you have either a merger changes the texture of

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Speaker 1: the bank and that team comes in it's a whole new,

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Speaker 1: different team. I think that was a Northwest team. If

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Speaker 1: I recall and you also have leadership that changes. It's

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Speaker 1: like to suggest that that that the bank's not different

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Speaker 1: is to suggest that that the Biden administration is the

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Speaker 1: same as the Bush administration is the same as the

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Speaker 1: Obama administration is the same as I'm not gonna name

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Speaker 1: that dudes name administration. It's his presidency. But the administration's change,

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Speaker 1: and they're different. This is the Charlie Sharper administration, and

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Speaker 1: it is different. And uh, and Charlie is the first

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Speaker 1: to acknowledge that the last team screwed up, and he's

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Speaker 1: the first to own their screw up. What else do

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Speaker 1: you want from somebody? Uh, there was a crisis recently

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Speaker 1: about mortgages and the mortgage declines and oh, you guys

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Speaker 1: are declining all these black people more than anybody else. Well,

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Speaker 1: actually I called I called Darlene, and uh, what's up?

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Speaker 1: You know why you you're doing? Are people? And she said,

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Speaker 1: calm yourself down, Sit down, John, sit down, talk my mother,

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Speaker 1: sit down. And no, seriously, She's like, well, it's technically true.

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Speaker 1: But but it's just technically true. Like most banks don't

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Speaker 1: record everybody who is seeking finance for mortgages. They realize

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Speaker 1: that you don't qualify, they don't take the application. Well,

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Speaker 1: it's far agoing trying to be transparent, recorded everything, including

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Speaker 1: anybody who was remotely interested. So when you when your

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Speaker 1: when your credit was pulled, we talked about credit scores

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Speaker 1: this moment and you didn't pass it much. That showed

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Speaker 1: as they decline. They actually funded more mortgages than almost

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Speaker 1: anybody else, actually for black people. Actually, in the decade

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Speaker 1: from we helped fund more black homeowners than the next

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Speaker 1: three largest bank mortgage lenders. Come on, now, talk to me.

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Speaker 1: Say that again. Repeat that again for anybody in the

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Speaker 1: back of the room. For the decade from one, we

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Speaker 1: helped fund more black homeowners in this country than the

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Speaker 1: next three largest bank mortgage lenders combined. That's extraordinary and

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Speaker 1: you should be commended for that. And these were sustainable mortgages,

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Speaker 1: not that homeboy shopping network explode in your face prime mortgage.

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Speaker 1: We're talking about some We're talking about people who became

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Speaker 1: homeowners and and had every shot because it was a good,

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Speaker 1: well priced interest rate right prime prime finance. So so

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Speaker 1: sometimes when you become a bit of a target to

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Speaker 1: begin a bit of a punching bag for folks, and

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Speaker 1: I have to give you credit because when you reached

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Speaker 1: out to me and I said, sit down, John, but

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Speaker 1: you also said is there any truth to this? Right you?

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Speaker 1: You didn't immediately jump to judgment, which I appreciate in

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Speaker 1: you as a partner. You said, let me hear you out.

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Speaker 1: And I'm guessing that there's not truth to this, but

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Speaker 1: let me hear it from you. And if there's not

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Speaker 1: truth to this, let me help you help, you know,

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Speaker 1: make this better. So I really appreciate that from me

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Speaker 1: my pleasure. Look, I I just think that that there

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Speaker 1: is no perfect, and we don't let the perfect become

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Speaker 1: the death of the good. You know, if somebody's trying

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Speaker 1: to do good, help them be better, help them get

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Speaker 1: to that next level. Um. And I just think that

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Speaker 1: you guys are a credible institution and you've kept every

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Speaker 1: word to me that and anybody that I'm aware of.

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Speaker 1: I bank with you, guys, um and you were my

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Speaker 1: first mainstream well as an adult, my first adult bank account.

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Speaker 1: I told you. It's a Pico Boulevard branch in West

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Speaker 1: Los Angeles, across from the mall. And uh, I remember

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Speaker 1: the branch manager. I remember that they treated me with

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Speaker 1: respecting dignity, right and I my first mortgagees with with

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Speaker 1: you guys. I paid them off. UM, I have, I

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Speaker 1: have accounts with you to this day. I was in

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Speaker 1: Europe and the Bahamas in the last ten days and

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Speaker 1: I ran that I swiped my probably swapped my car.

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Speaker 1: Works all around the world. UM. And I do business

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Speaker 1: with other institutions as well, but my my personal, my

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Speaker 1: personal go to account is and has been since I

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Speaker 1: was eighteen with Wells Fargo. I'm proud to say that.

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Speaker 1: I mean, I think and your your good partner with

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Speaker 1: the Operation Hope and a hundred Black Men of America

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Speaker 1: and h B c U S and we look, no

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Speaker 1: institution can solve all of our problems. But I think

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Speaker 1: America is a very unique place to have corporations like

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Speaker 1: yours that significantly gives back. This is not this doesn't

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Speaker 1: happen in Europe. This conversation of I'm making I'm a corporation,

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Speaker 1: I'm gonna make a crapload of money, and I'm gonna

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Speaker 1: then donate some of that to a foundation back to

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Speaker 1: the community or through public affairs or Community Investment Act

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Speaker 1: is a uniquely American innovation. This conversation here about social

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Speaker 1: justice through an economic lens looking at a person like

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Speaker 1: you and a senior post at a a major bank

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Speaker 1: in Europe or Asia, forget about it. The only reason

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Speaker 1: it happens in Africa's we're all black, right. But the

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Speaker 1: banks are much smaller than what we're talking about talking

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Speaker 1: about here. I mean, a billion dollar bank in Africa

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Speaker 1: is about a ninety million dollar bank in the US

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Speaker 1: because it's thirteen one dollar to ran, so it sounds big.

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Speaker 1: But this is big. This is two trillion dollars of

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Speaker 1: the biggest economy on the planet. I can't underscore how much,

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Speaker 1: how big of a deal it is of what Darling

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Speaker 1: is doing it with a complete authority uh to move

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Speaker 1: balance sheets uh and change lives. Uh. And so I

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Speaker 1: just want to understand. I don't want you to understand

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Speaker 1: that the last movement was, in my opinion, was about

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Speaker 1: civil rights. This one's about silver rights. And we we

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Speaker 1: have we we've got to not to stop just being

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Speaker 1: complacent with with having somebody in a room. That's that's

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Speaker 1: about complaints. Oh, I saw some racism, I saw abuse.

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Speaker 1: All the police beat me up. Those are legitimate things.

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Speaker 1: But we can't have everybody. And since since seats of

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Speaker 1: power in the complaint Box. We we need to. It

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Speaker 1: can't be about what I'm exclusively at what I'm against Box.

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Speaker 1: I mean, you know, my friends a CP A worn out.

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Speaker 1: They can't they can't do everything we needed. What I'm

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Speaker 1: four box too, from civil rights to include silver rights too.

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Speaker 1: We need some folks in some green rooms, right. And

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Speaker 1: I don't mean green rooms as in prep rooms to

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Speaker 1: go on stage for a concert. I mean I mean

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Speaker 1: some economic rooms. I mean we need somebody in the

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Speaker 1: business suites who looked like us, who represent our interests.

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Speaker 1: Whoever us happens to be Latino, African American women, Native American, Indian,

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Speaker 1: and Asian, whoever underserved group we're happy to talk about

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Speaker 1: poor whites. Who says I relate to you, I understand

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Speaker 1: your plight. Uh, all things being equal, if you're deserved

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Speaker 1: a shot, gonna make sure you get one. What else

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Speaker 1: do we want within that? I mean a James Brown

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Speaker 1: version of affirmative action. Open the door. I'll get it myself.

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Speaker 1: And and and so I think that you're sitting in

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Speaker 1: a moment in history. Actually, I think that what you're

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Speaker 1: doing is going into twenty years from now be part

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Speaker 1: of the history books of the third reconstruction, which is opportunity.

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Speaker 1: The first one was freedom after this after the Civil War,

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Speaker 1: second one with civil rights access and bass Randel Young

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Speaker 1: just just uh called a moment ago the guy who's

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Speaker 1: Dr King's right arm in the civil rights movement, where

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Speaker 1: I so lucky that in the land and have all

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Speaker 1: these icons all around this right. And the third one's opportunity.

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Speaker 1: So talk a little bit. We cleared the deck on

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Speaker 1: some of the drama. Maybe there's another drama I didn't

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Speaker 1: know about, But talk a little bit about where the

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Speaker 1: bank is, what the bank's doing, What are you frustrated about,

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Speaker 1: What are you most excited about? Well, I will say,

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Speaker 1: and I know my mouth's going to get me in trouble,

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Speaker 1: but don't I got you covered, I said to Charlie,

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Speaker 1: don't worry. But um, I will say it is it

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Speaker 1: is like a new presidential administration. Right, it's a new

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Speaker 1: set of leaders. And I know my first four to

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Speaker 1: five years at the Bank, I felt like I was

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Speaker 1: banging my head against the wall trying to get things done.

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Speaker 1: And when I had this opportunity to help launch and

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Speaker 1: develop the Banking Inclusion Initiative last year, I took it right.

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Speaker 1: And so getting hope inside in there was a big

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Speaker 1: part of that. Getting UM greater financial education at HBC

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00:22:41,160 --> 00:22:44,280
Speaker 1: US was a part of that, right, so UM really

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Speaker 1: trying to move forward a lot of the things where

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Speaker 1: I had been told no, no, no no no. If

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Speaker 1: I get that opportunity, I'm gonna take it. Building the

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Speaker 1: good Life is brought to you by Prudential Financial. For

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Speaker 1: overt five years, millions of people have counter on Prudential

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Speaker 1: to help solves for life's most important financial needs. Because

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00:23:04,160 --> 00:23:07,359
Speaker 1: a Prudential, they live their purpose to make life better

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00:23:07,600 --> 00:23:11,000
Speaker 1: by solving for the financial challenges of our changing world.

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Speaker 1: Prudentials Who's Your Rock campaign is also about helping people

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Speaker 1: reach new heights and providing a platform for people to

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Speaker 1: reach their financial goals. Let's get into let's get underneath.

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Speaker 1: So you can't really see see this. Those listening to

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Speaker 1: this on the radio, you can't see what I just witnessed.

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Speaker 1: But she was like editing, like, how how much of

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Speaker 1: a sistant am I gonna be? Right now? Right? But

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Speaker 1: but but the pause? Everybody heard the pause. Everybody you

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Speaker 1: didn't see it, but you heard the pause, and then

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Speaker 1: you and then she said when she really believes she

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Speaker 1: just said it eloquently and because she's an educated woman. Um,

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Speaker 1: what what you heard was strength. You heard strength of purpose.

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Speaker 1: You heard I'm not playing games up in there. If

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Speaker 1: you want me, you gotta have all of me, and

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Speaker 1: and and if you want my if you want me,

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Speaker 1: you gotta take my strength too. And I don't mind

426
00:23:59,000 --> 00:24:01,920
Speaker 1: taking a no, and I don't disappointment and disappointment, but

427
00:24:02,040 --> 00:24:05,800
Speaker 1: you're gonna hear my voice and until until you either

428
00:24:06,160 --> 00:24:09,199
Speaker 1: show me the door or show me an opportunity. They

429
00:24:09,240 --> 00:24:13,200
Speaker 1: showed you an opportunity that never give up. That resiliency,

430
00:24:13,320 --> 00:24:16,480
Speaker 1: that self esteem that I see in your eyes every

431
00:24:16,520 --> 00:24:19,400
Speaker 1: time that I see you, are here, in your voice,

432
00:24:19,520 --> 00:24:22,320
Speaker 1: very time I talk to you, which is different from confidence.

433
00:24:22,359 --> 00:24:27,240
Speaker 1: By the way, confidence confidence comes from competence. So if

434
00:24:27,280 --> 00:24:30,600
Speaker 1: you're competent in a job, you'll have confidence, that's what

435
00:24:30,720 --> 00:24:33,840
Speaker 1: we're used to. But that you can have confidence and

436
00:24:33,880 --> 00:24:36,760
Speaker 1: still have low self esteem. When I look at you,

437
00:24:36,920 --> 00:24:39,680
Speaker 1: I see esteem, I see self love. I see a

438
00:24:39,800 --> 00:24:43,040
Speaker 1: mother or father or uncle or grandmother or grand somebody

439
00:24:43,440 --> 00:24:45,639
Speaker 1: poured into Darly and said, girl, you can do anything

440
00:24:45,720 --> 00:24:49,960
Speaker 1: you want to do. Who was that? Probably my dad? Okay,

441
00:24:50,200 --> 00:24:53,200
Speaker 1: tell me a little bit about that. You grew up where? How? What? Yeah,

442
00:24:53,320 --> 00:24:57,000
Speaker 1: so I grew up mainly in southern California. Um, but

443
00:24:57,119 --> 00:25:03,840
Speaker 1: went to rich No, not at all. I grew up

444
00:25:03,840 --> 00:25:07,760
Speaker 1: in south central Yes, I'm a preacher's kid, so we

445
00:25:07,960 --> 00:25:13,600
Speaker 1: lived in you know, church parsonages growing up. Really. Yes, Um,

446
00:25:13,960 --> 00:25:17,520
Speaker 1: my dad was. He moved to l A in the

447
00:25:17,640 --> 00:25:24,560
Speaker 1: late sixties and very active, helped form some initiatives like

448
00:25:24,720 --> 00:25:27,920
Speaker 1: Save Our Sons in l A to help address the

449
00:25:28,040 --> 00:25:32,160
Speaker 1: mass incarceration of black men. What's your dad's name, Robert Smith?

450
00:25:33,960 --> 00:25:36,720
Speaker 1: That's the tea. What's really deep Disney Robert Smith. My

451
00:25:36,800 --> 00:25:40,800
Speaker 1: grandfather was RB Smith. But we're not related, don't worry. Uh,

452
00:25:41,320 --> 00:25:45,200
Speaker 1: but you do like a long long sister, so maybe,

453
00:25:46,200 --> 00:25:52,840
Speaker 1: but I remember that organization. Yeah, yeah, So, um grew

454
00:25:52,960 --> 00:25:56,119
Speaker 1: up in different parts of southern California. My dad United

455
00:25:56,160 --> 00:25:59,840
Speaker 1: Methodist minister. Um. We moved to San Diego to a

456
00:26:00,000 --> 00:26:05,240
Speaker 1: predominantly white neighborhood at the towards the early elementary school years.

457
00:26:05,960 --> 00:26:08,879
Speaker 1: My dad was the first black minister that had been

458
00:26:08,920 --> 00:26:12,840
Speaker 1: appointed the district superintendent for the San Diego district. So

459
00:26:12,960 --> 00:26:16,040
Speaker 1: he had about seventy churches that rolled up to him,

460
00:26:16,640 --> 00:26:18,960
Speaker 1: and so we went to different churches every Sunday. I

461
00:26:19,040 --> 00:26:24,000
Speaker 1: got to experience a lot of different cultures, races, um,

462
00:26:24,960 --> 00:26:31,040
Speaker 1: seeing differences that you're comfortable around different people, very adaptable. Um.

463
00:26:31,760 --> 00:26:35,040
Speaker 1: And then after a short time in Long Beach, he

464
00:26:35,240 --> 00:26:37,959
Speaker 1: was appointed to a predominantly white church, which was unheard

465
00:26:38,000 --> 00:26:42,680
Speaker 1: of back in the early eighties. Um, first black minister there. Um.

466
00:26:42,840 --> 00:26:46,000
Speaker 1: And then he was called by a bishop in Harlem

467
00:26:47,000 --> 00:26:50,480
Speaker 1: or in New York to come out and revitalize a

468
00:26:50,560 --> 00:26:53,879
Speaker 1: great church in Harlem. And so he felt called to

469
00:26:53,960 --> 00:26:56,960
Speaker 1: do that, and we packed up and we went across

470
00:26:57,080 --> 00:27:01,520
Speaker 1: country from a predominantly white gated community and Long Beach

471
00:27:02,400 --> 00:27:09,400
Speaker 1: to Harlem in the mid eighties. So yeah, yes where Um.

472
00:27:09,640 --> 00:27:13,600
Speaker 1: We actually we lived in a very nice brown stone

473
00:27:13,680 --> 00:27:17,360
Speaker 1: on Striver's Road, but the apartment buildings behind us were

474
00:27:17,600 --> 00:27:21,800
Speaker 1: burnt out, you know, on the rise. Yeah, it was

475
00:27:21,880 --> 00:27:24,680
Speaker 1: not the Harlem of today. It doesn't even look like

476
00:27:24,840 --> 00:27:27,600
Speaker 1: the Harlem that I know when I go back there. Um.

477
00:27:27,720 --> 00:27:31,360
Speaker 1: But I think seeing all of that service to others

478
00:27:31,720 --> 00:27:34,919
Speaker 1: really made an impression on me. So in some ways, uh,

479
00:27:35,280 --> 00:27:38,280
Speaker 1: you are continuing that sense of service, just doing it

480
00:27:38,440 --> 00:27:42,639
Speaker 1: through the most relevant factor of today, which is finance

481
00:27:42,720 --> 00:27:45,639
Speaker 1: and economics. I mean we you one could argue that

482
00:27:45,760 --> 00:27:49,800
Speaker 1: religion is how we originally got free. That was that

483
00:27:49,920 --> 00:27:52,160
Speaker 1: first of all, that first reconstruction, we could only sing

484
00:27:52,280 --> 00:27:56,040
Speaker 1: religious songs. The first corporation was through a black church.

485
00:27:56,520 --> 00:27:59,080
Speaker 1: The first black, first hospital for black folks was to

486
00:27:59,760 --> 00:28:03,320
Speaker 1: uh the church. First black business was through the black church.

487
00:28:03,640 --> 00:28:06,440
Speaker 1: First school was through the black church. It was the

488
00:28:06,480 --> 00:28:09,400
Speaker 1: only thing that we could do to organize ourselves during slavery,

489
00:28:10,200 --> 00:28:13,920
Speaker 1: and that kept us from being from completely broken as people.

490
00:28:14,119 --> 00:28:17,359
Speaker 1: Also and then doing a civil rights movement that morphed

491
00:28:17,480 --> 00:28:21,879
Speaker 1: into community service, which your father also did UM and

492
00:28:22,080 --> 00:28:26,399
Speaker 1: of course we know that executed through political office. What

493
00:28:26,560 --> 00:28:30,240
Speaker 1: we did not do is to go from UM cashing

494
00:28:30,359 --> 00:28:34,000
Speaker 1: checks to writing them. We didn't become stakeholders. We didn't

495
00:28:34,000 --> 00:28:37,639
Speaker 1: become capitalists and owners, which is what you're doing today.

496
00:28:37,800 --> 00:28:41,800
Speaker 1: You're you're facilitating that for a whole generation. So I

497
00:28:41,920 --> 00:28:44,760
Speaker 1: see you continuing that work of your of your dad.

498
00:28:45,080 --> 00:28:48,320
Speaker 1: So I'm trying to So he told you he loved you.

499
00:28:49,040 --> 00:28:50,840
Speaker 1: He did, and he told you can do anything you

500
00:28:50,880 --> 00:28:53,520
Speaker 1: wanted to do. He did. He told you I take

501
00:28:53,560 --> 00:28:58,080
Speaker 1: no mess either, the girl. You can do bad all

502
00:28:58,120 --> 00:29:01,600
Speaker 1: by yourself. You don't need no help. Yeah, he's hands

503
00:29:01,640 --> 00:29:06,040
Speaker 1: And what's your credit score? You got a job, you

504
00:29:06,160 --> 00:29:08,560
Speaker 1: have a career. I can do bad by myself now,

505
00:29:09,840 --> 00:29:11,320
Speaker 1: Counthy Johns want to tell me. I think worse than

506
00:29:11,360 --> 00:29:14,920
Speaker 1: being alone is wishing that you were so so so

507
00:29:15,120 --> 00:29:18,840
Speaker 1: He clearly poured your parents, clearly poured that self esteem

508
00:29:18,880 --> 00:29:22,160
Speaker 1: and so loved loving you. And it's so evident, um,

509
00:29:23,080 --> 00:29:25,400
Speaker 1: and you know you you remind me that phrase. You

510
00:29:25,400 --> 00:29:26,840
Speaker 1: don't even when you got the power, you don't need

511
00:29:26,880 --> 00:29:28,560
Speaker 1: to use it. You don't beat your chest, you don't.

512
00:29:28,840 --> 00:29:30,920
Speaker 1: You don't patch yourself on the on the on the back.

513
00:29:31,000 --> 00:29:33,840
Speaker 1: You don't scream, you know, Hollier, you talk very gently,

514
00:29:34,520 --> 00:29:40,960
Speaker 1: very calmly, very firmly. I do. So you bring all

515
00:29:41,040 --> 00:29:44,000
Speaker 1: that into the corporate suite? How was that received? For

516
00:29:44,040 --> 00:29:46,560
Speaker 1: the for the women listening to this nowase, women who

517
00:29:46,600 --> 00:29:49,480
Speaker 1: are from underserved communities, sisters who are trying to get

518
00:29:50,040 --> 00:29:54,200
Speaker 1: thinking about trying to get into the corporate environment. What's

519
00:29:54,200 --> 00:29:57,720
Speaker 1: your what's your? This This show is building building your spirituality,

520
00:29:58,280 --> 00:30:01,480
Speaker 1: building your self esteem, building your confidence, building your business,

521
00:30:02,040 --> 00:30:06,160
Speaker 1: building your household, building your marriage. It's all about building

522
00:30:06,920 --> 00:30:10,800
Speaker 1: what what what? Some young girls out there are mature women,

523
00:30:11,400 --> 00:30:13,720
Speaker 1: young girls trying to figure out their path, trying to

524
00:30:13,720 --> 00:30:18,000
Speaker 1: figure out who they are because self love is the

525
00:30:18,040 --> 00:30:21,240
Speaker 1: greatest love. Uh. And there are women who are matured,

526
00:30:21,360 --> 00:30:24,880
Speaker 1: maybe trying to reset their lives. How how can how can?

527
00:30:25,240 --> 00:30:27,480
Speaker 1: What advice do you have for them about trying to

528
00:30:27,520 --> 00:30:31,560
Speaker 1: make a move into corporate America. I think you have

529
00:30:31,680 --> 00:30:35,520
Speaker 1: to be your authentic self and not be afraid to

530
00:30:35,640 --> 00:30:40,000
Speaker 1: use your voice for change. Um. I know early on

531
00:30:40,200 --> 00:30:42,400
Speaker 1: in my career I did kind of hold my tongue,

532
00:30:42,520 --> 00:30:44,520
Speaker 1: but I don't do that anymore. And it's just like

533
00:30:44,640 --> 00:30:47,520
Speaker 1: take it or leave it. This is Darlene um. And

534
00:30:47,640 --> 00:30:48,960
Speaker 1: you may not like what I have to say, but

535
00:30:49,040 --> 00:30:52,840
Speaker 1: I'm gonna say it. But that's your value proposition. Also,

536
00:30:54,040 --> 00:30:56,560
Speaker 1: I mean, I don't I don't really understand why you

537
00:30:56,680 --> 00:31:00,800
Speaker 1: would if you're a black female go into a corporation

538
00:31:01,440 --> 00:31:07,000
Speaker 1: and then act like a white male, You're destroyed. First

539
00:31:07,000 --> 00:31:10,320
Speaker 1: of all, you're gonna be a copy of somebody else.

540
00:31:11,360 --> 00:31:13,600
Speaker 1: But second of all, and we don't have the privileges

541
00:31:13,640 --> 00:31:17,320
Speaker 1: of white men. Hello. But on top of that, you

542
00:31:17,440 --> 00:31:21,800
Speaker 1: have no You're adding nothing. You're an echo chamber of

543
00:31:22,440 --> 00:31:26,560
Speaker 1: something that already exists, versus adding that unique element that

544
00:31:26,680 --> 00:31:29,400
Speaker 1: comes from your culture and your background, and your perspective

545
00:31:29,440 --> 00:31:32,280
Speaker 1: and the way you see the world, which adds to

546
00:31:32,440 --> 00:31:35,719
Speaker 1: the richness of the Brew, which goes back to being

547
00:31:35,760 --> 00:31:41,160
Speaker 1: yourself right. And when you see injustice, to call it out.

548
00:31:41,840 --> 00:31:45,800
Speaker 1: Don't sit silently on the sideline. So how do you

549
00:31:46,000 --> 00:31:54,240
Speaker 1: do that without getting fired? How does one do that? Thoughtfully?

550
00:31:54,720 --> 00:31:57,160
Speaker 1: I just always tell people whenever you make an emotional decision,

551
00:31:57,200 --> 00:31:59,640
Speaker 1: it will be a bad one. There's difference between you

552
00:31:59,680 --> 00:32:03,600
Speaker 1: react and responding. And I've seen you. I've never seen

553
00:32:03,640 --> 00:32:08,240
Speaker 1: you uncool under pressure. You're always cool. I mean I

554
00:32:08,440 --> 00:32:13,000
Speaker 1: was delayed for our session today late. Uh she should

555
00:32:13,000 --> 00:32:15,240
Speaker 1: have she should have told me off. She didn't. She's

556
00:32:15,240 --> 00:32:17,400
Speaker 1: as cool as a cute now she you know, the

557
00:32:17,440 --> 00:32:19,600
Speaker 1: next time we'll get a lecture. But she was. She

558
00:32:19,680 --> 00:32:22,280
Speaker 1: was cool as a cucumber. On a serious note, though, like,

559
00:32:22,520 --> 00:32:24,320
Speaker 1: how do you do it? How do you do that?

560
00:32:24,480 --> 00:32:26,960
Speaker 1: So you step over messing not in it. I rely

561
00:32:27,240 --> 00:32:29,720
Speaker 1: on a lot of data and facts, Yes, you do

562
00:32:30,760 --> 00:32:35,680
Speaker 1: to uh provide evidence for the reasons why we need

563
00:32:35,760 --> 00:32:38,720
Speaker 1: to take certain decisions or why we might need to

564
00:32:38,960 --> 00:32:43,240
Speaker 1: examine things in a more deep way than maybe we

565
00:32:43,400 --> 00:32:48,240
Speaker 1: have in the past. Um, and you know, people can't

566
00:32:48,320 --> 00:32:51,600
Speaker 1: argue with facts. That was sexy. What she just said

567
00:32:51,680 --> 00:32:55,280
Speaker 1: was sexy. That was sexy. She's like, I dropped the mic.

568
00:32:55,400 --> 00:32:57,640
Speaker 1: I use facts. They were no, they were no we

569
00:32:57,760 --> 00:33:00,600
Speaker 1: no fancy words. I use facts and data to make

570
00:33:00,680 --> 00:33:04,840
Speaker 1: my case. And as that's actually how we met. Yes,

571
00:33:05,880 --> 00:33:07,600
Speaker 1: I got on the phone with her and I was

572
00:33:07,720 --> 00:33:10,960
Speaker 1: unhappy with whomever it came before her. It was far ago,

573
00:33:12,160 --> 00:33:14,840
Speaker 1: and I let her know. He tried to take it

574
00:33:14,880 --> 00:33:17,560
Speaker 1: out on me. I let her know. And the only

575
00:33:17,600 --> 00:33:20,880
Speaker 1: reason I survived that is I had facts in data.

576
00:33:21,480 --> 00:33:23,680
Speaker 1: Because she she she don't play. She would have said,

577
00:33:23,760 --> 00:33:27,240
Speaker 1: this has been a nice meeting, goodbye. But she I

578
00:33:27,320 --> 00:33:28,920
Speaker 1: asked you a lot of hard question and I was

579
00:33:28,920 --> 00:33:34,960
Speaker 1: able to answer, and so we we went. So I

580
00:33:35,040 --> 00:33:36,600
Speaker 1: think it's fair to say you correct me if I'm

581
00:33:36,640 --> 00:33:39,920
Speaker 1: wrong here. She respected me and learned to like me,

582
00:33:41,760 --> 00:33:43,640
Speaker 1: and I'd rather you respect me and learn to like me,

583
00:33:43,760 --> 00:33:48,040
Speaker 1: then like me and never respect me. Um. I wasn't disrespectful.

584
00:33:48,040 --> 00:33:50,920
Speaker 1: I wasn't, but I was clearly not a happy camper

585
00:33:51,040 --> 00:33:52,560
Speaker 1: and I wanted and I didn't want to act like

586
00:33:52,640 --> 00:33:55,200
Speaker 1: I was. That's not who I am. I'm authentic, like you.

587
00:33:55,960 --> 00:33:58,680
Speaker 1: But clearly I had the data and the figures which

588
00:33:58,800 --> 00:34:05,720
Speaker 1: I thought should aren't a different value proposition, and Darling

589
00:34:05,840 --> 00:34:10,080
Speaker 1: was interested in facts data, the figure that's that let

590
00:34:10,160 --> 00:34:12,320
Speaker 1: the facts that you free. And then she took that

591
00:34:12,400 --> 00:34:15,320
Speaker 1: data and went and made a case for it. And

592
00:34:15,400 --> 00:34:17,560
Speaker 1: we just opened up our two hundredth Hope Inside location

593
00:34:17,680 --> 00:34:21,880
Speaker 1: with Wells Fargo today Boom. And because of Darlene or

594
00:34:22,000 --> 00:34:26,279
Speaker 1: Darlene's leadership, we went from a discussion of a few

595
00:34:26,320 --> 00:34:29,279
Speaker 1: of these locations to fifteen of these locations, and now

596
00:34:29,320 --> 00:34:31,759
Speaker 1: we're talking about over a hundred hope Inside locations and

597
00:34:31,800 --> 00:34:35,320
Speaker 1: a unique structure that that we're still working the details

598
00:34:35,360 --> 00:34:38,000
Speaker 1: out on, but basically going to be in markets all

599
00:34:38,040 --> 00:34:41,000
Speaker 1: around this country with this model. And now we have

600
00:34:41,160 --> 00:34:43,560
Speaker 1: the CEO singing as praises and head of banking Mary

601
00:34:44,239 --> 00:34:47,719
Speaker 1: who's fantastic, and Bill Daily, who's on my board, your

602
00:34:47,800 --> 00:34:52,239
Speaker 1: vice chairman. So you become sort of a gateway to

603
00:34:53,080 --> 00:34:57,440
Speaker 1: wire organizations like ours Operation Hope we're talking about into

604
00:34:57,560 --> 00:35:02,839
Speaker 1: the fabric that the the infrastructure of this two trade

605
00:35:02,840 --> 00:35:06,520
Speaker 1: in dollar bank. Yes, is that your mission to wire

606
00:35:07,120 --> 00:35:11,960
Speaker 1: organizations into wire diversity and inclusion into the fabric of

607
00:35:12,000 --> 00:35:18,680
Speaker 1: this bank. Yes, I spent I spent the first five

608
00:35:18,800 --> 00:35:21,279
Speaker 1: years six years at Wells Fargo. I guess five years

609
00:35:21,960 --> 00:35:25,759
Speaker 1: um on the philanthropy side. And philanthropy is important, but

610
00:35:25,840 --> 00:35:28,920
Speaker 1: getting it integrated into the business, I think is more powerful.

611
00:35:29,120 --> 00:35:34,000
Speaker 1: Talk about having an influence on the products and services

612
00:35:34,080 --> 00:35:39,680
Speaker 1: that we offer the communities, where we redesign our branches

613
00:35:39,800 --> 00:35:42,919
Speaker 1: or put hope inside centers, that's going to drive even

614
00:35:43,000 --> 00:35:47,799
Speaker 1: greater impact than philanthropy can. So I think you need both.

615
00:35:49,040 --> 00:35:51,040
Speaker 1: But that was one of the reasons why I decided

616
00:35:51,080 --> 00:35:54,000
Speaker 1: to move over and actually lead the banking Inclusion initiative

617
00:35:54,040 --> 00:35:55,880
Speaker 1: after we launched it and I met you on the

618
00:35:55,920 --> 00:35:59,839
Speaker 1: fielding the philanthropic side, this is a really important conversation.

619
00:36:00,560 --> 00:36:02,360
Speaker 1: I'm not sure people listening to this can get the

620
00:36:02,480 --> 00:36:06,480
Speaker 1: nuance here. She was giving away money before, and now

621
00:36:06,520 --> 00:36:10,520
Speaker 1: we're talking about how to make money responsibly. And the

622
00:36:10,600 --> 00:36:15,600
Speaker 1: bucket for making money is much bigger, marketing, business development, etcetera.

623
00:36:15,760 --> 00:36:21,600
Speaker 1: Is much bigger than the philanthropic bucket, the public affairs bucket.

624
00:36:22,360 --> 00:36:26,440
Speaker 1: And that's also progress because that wasn't a conversation that

625
00:36:26,560 --> 00:36:31,719
Speaker 1: corporations even allowed us to have years ago, certainly not

626
00:36:31,800 --> 00:36:34,719
Speaker 1: forty years ago. Or maybe even five years ago. The

627
00:36:34,800 --> 00:36:39,520
Speaker 1: world has changed. I think it's changed changed permanently. And

628
00:36:39,640 --> 00:36:41,239
Speaker 1: this is these topics we're talking about, I think are

629
00:36:41,320 --> 00:36:45,040
Speaker 1: now part of the ether of these companies, the biggest

630
00:36:45,040 --> 00:36:49,880
Speaker 1: companies in the world. What are you most hopeful about?

631
00:36:50,480 --> 00:36:52,680
Speaker 1: As we sit here in a very troubling time, we're

632
00:36:52,680 --> 00:36:54,799
Speaker 1: dealing with them Listening, we're looking at it with girls

633
00:36:54,840 --> 00:36:58,839
Speaker 1: in Iran, you know, losing their life because they want

634
00:36:58,880 --> 00:37:02,840
Speaker 1: to wear their heir, he job, you know, looser on

635
00:37:02,920 --> 00:37:05,640
Speaker 1: their head. I mean, for God's sakes, we're talking about

636
00:37:06,040 --> 00:37:09,239
Speaker 1: you know, folks in Ukraine just trying to go about

637
00:37:09,280 --> 00:37:12,759
Speaker 1: their their life and having some idiot drop bombs on

638
00:37:12,880 --> 00:37:16,680
Speaker 1: them and their families. We're talking about, you know, people

639
00:37:16,760 --> 00:37:20,759
Speaker 1: disappearing in parts of Asia just because you differ with

640
00:37:20,840 --> 00:37:23,399
Speaker 1: the opinion of your leader. We don't think, we think

641
00:37:23,440 --> 00:37:26,400
Speaker 1: we sort of realize how good we've got it. But

642
00:37:26,520 --> 00:37:29,759
Speaker 1: even here we've got all kinds of problems. Uh. Politicians

643
00:37:29,760 --> 00:37:32,520
Speaker 1: who are who have decided to help us hate each

644
00:37:32,560 --> 00:37:36,080
Speaker 1: other and uh throw rocks at each other and pick

645
00:37:36,120 --> 00:37:38,920
Speaker 1: at each other as a as a hard to find

646
00:37:39,040 --> 00:37:42,120
Speaker 1: good news. Sometimes in the midst of all this troubling news,

647
00:37:42,480 --> 00:37:46,120
Speaker 1: right So in the midst of all that, how do

648
00:37:46,200 --> 00:37:50,680
Speaker 1: you find hope? How do you build in the midst

649
00:37:50,719 --> 00:37:54,120
Speaker 1: of that? What do something? What do some thoughts you have? Well,

650
00:37:54,200 --> 00:37:57,560
Speaker 1: you know, I have a fifteen year old teenager and

651
00:37:58,680 --> 00:38:01,279
Speaker 1: I think about his future, right, so I have to

652
00:38:01,360 --> 00:38:04,400
Speaker 1: do whatever I can to drive change so that he

653
00:38:05,239 --> 00:38:12,400
Speaker 1: inherits a world that gives him opportunity. So getting emotional,

654
00:38:12,560 --> 00:38:16,800
Speaker 1: John's not good when I talk about my baby, who's

655
00:38:16,880 --> 00:38:22,839
Speaker 1: not really my baby anymore. But he will, he will. Um.

656
00:38:24,719 --> 00:38:28,600
Speaker 1: So I just try to do whatever I can to

657
00:38:29,160 --> 00:38:33,680
Speaker 1: make a difference, whether that's serving on a nonprofit board,

658
00:38:34,080 --> 00:38:37,560
Speaker 1: or serving on the Moran County Priority Setting Committee that's

659
00:38:37,600 --> 00:38:41,640
Speaker 1: distributing federal grant money to local nonprofits, or leading the

660
00:38:41,680 --> 00:38:45,120
Speaker 1: banking inclusion initiative at Wells Fargo. Um, I just try

661
00:38:45,160 --> 00:38:48,000
Speaker 1: to do what I can to drive change. You were

662
00:38:48,000 --> 00:38:52,160
Speaker 1: influenced by your parents, your dad in particular, and your

663
00:38:52,239 --> 00:38:55,399
Speaker 1: son's being influenced by you. Yes. And it's been said

664
00:38:55,440 --> 00:38:56,719
Speaker 1: that if you want to find a good woe and

665
00:38:56,800 --> 00:38:58,640
Speaker 1: find one who has had a great relationship with her dad,

666
00:39:00,120 --> 00:39:01,560
Speaker 1: you want to find a good man. Find a good

667
00:39:01,560 --> 00:39:05,000
Speaker 1: man's great leagtion with his mom. So you gotta got

668
00:39:05,120 --> 00:39:07,839
Speaker 1: a good thing going and and I think your son

669
00:39:07,920 --> 00:39:10,759
Speaker 1: is very lucky to have you as as a mom.

670
00:39:11,360 --> 00:39:13,520
Speaker 1: Tell us as I don't want to run out of

671
00:39:13,560 --> 00:39:15,840
Speaker 1: time before we get into I want to end in

672
00:39:16,000 --> 00:39:19,600
Speaker 1: this with you given some recommendations, some very specific recommendations

673
00:39:19,760 --> 00:39:22,359
Speaker 1: for women, uh and girls and how to come up.

674
00:39:22,400 --> 00:39:24,200
Speaker 1: So I want you to think about that. But before

675
00:39:24,200 --> 00:39:26,560
Speaker 1: we get to that, uh, because time runs goes real

676
00:39:26,640 --> 00:39:28,920
Speaker 1: quick on these on these podcasts when when it's interesting,

677
00:39:28,960 --> 00:39:31,560
Speaker 1: and I don't like do boring, so all I'm more interesting. UM.

678
00:39:32,680 --> 00:39:35,480
Speaker 1: Talk a little bit about uh for those listeners who

679
00:39:35,520 --> 00:39:39,480
Speaker 1: don't know about Wells Fargo two and seventy thousand employees.

680
00:39:39,480 --> 00:39:40,920
Speaker 1: I think the last time I checked, is it more

681
00:39:40,920 --> 00:39:42,879
Speaker 1: than that. I think it's a little less less okay,

682
00:39:43,440 --> 00:39:49,160
Speaker 1: been firing some people two seventy thousand employees. Uh. Charlie

683
00:39:49,200 --> 00:39:54,040
Speaker 1: a playing you Gotta go, you Gotta go, Chop chop um. UH.

684
00:39:54,440 --> 00:39:58,120
Speaker 1: Talk talk about some of the important initiatives that arnin

685
00:39:58,200 --> 00:40:00,160
Speaker 1: Ger would be of interest to the public that they

686
00:40:00,160 --> 00:40:02,400
Speaker 1: may not know about, and talking about specifically what the

687
00:40:02,440 --> 00:40:06,640
Speaker 1: Banking Inclusion Initiative is doing now are going to be doing, uh,

688
00:40:06,880 --> 00:40:09,120
Speaker 1: and that you can talk about it is I can't.

689
00:40:09,120 --> 00:40:10,960
Speaker 1: I'm just I'm just chomping at the bid to talk

690
00:40:10,960 --> 00:40:12,920
Speaker 1: about a friend of mine who I won't mention they

691
00:40:12,920 --> 00:40:14,719
Speaker 1: will give it away, who's gonna be doing something real

692
00:40:14,800 --> 00:40:17,360
Speaker 1: big with you coming up. And I'm so excited about that,

693
00:40:18,000 --> 00:40:20,799
Speaker 1: UM rooting for him and because it's gonna help, because

694
00:40:20,800 --> 00:40:24,080
Speaker 1: it's gonna help so many people. UM. But but talk

695
00:40:24,120 --> 00:40:29,040
Speaker 1: about generally the bank and this specifically our initiatives. Specifically,

696
00:40:29,080 --> 00:40:32,279
Speaker 1: what do people need to know about what you're doing

697
00:40:32,360 --> 00:40:34,759
Speaker 1: and how do they reach you? How do they reach you, know,

698
00:40:35,480 --> 00:40:38,520
Speaker 1: reach you or the initiative. So what I'm really excited

699
00:40:38,520 --> 00:40:43,800
Speaker 1: about is we're really taking a new approach to providing

700
00:40:43,880 --> 00:40:48,800
Speaker 1: flexibility to consumers and how they manage their accounts. So

701
00:40:49,680 --> 00:40:54,640
Speaker 1: UM earlier this year we announced uh number of initiatives

702
00:40:54,719 --> 00:40:58,400
Speaker 1: that we were launching, things like extra day grace on

703
00:40:58,640 --> 00:41:01,920
Speaker 1: overdrafts that give you if you overdraft and you know,

704
00:41:02,000 --> 00:41:04,400
Speaker 1: you get an alert, you have an extra twenty four

705
00:41:04,480 --> 00:41:06,840
Speaker 1: hours to pay that back so that you don't have

706
00:41:06,880 --> 00:41:11,120
Speaker 1: an overdraft fee. UM. We have early Payday so you

707
00:41:11,200 --> 00:41:14,440
Speaker 1: can get access to your direct deposit paycheck two days early.

708
00:41:15,120 --> 00:41:19,839
Speaker 1: So we are really modernizing um, how we think about overdrafts.

709
00:41:20,560 --> 00:41:23,680
Speaker 1: We do have some accounts that don't have any overdraft

710
00:41:23,800 --> 00:41:26,600
Speaker 1: that are low cost bank on certified accounts like clear

711
00:41:26,640 --> 00:41:29,759
Speaker 1: Access banking. Okay, English people, for those watching, listen to this.

712
00:41:30,320 --> 00:41:33,640
Speaker 1: That means y'all spending money you didn't have overdraft. It means,

713
00:41:33,960 --> 00:41:36,239
Speaker 1: you know, you have twenty bucks, you spend forty and

714
00:41:36,320 --> 00:41:38,920
Speaker 1: they cleared the check or whatever, and they hit you

715
00:41:39,000 --> 00:41:41,000
Speaker 1: with a fee and you complained about it. Why y'all

716
00:41:41,080 --> 00:41:42,800
Speaker 1: charged to meet this money? Because you're spending money you

717
00:41:42,840 --> 00:41:45,680
Speaker 1: don't have. Okay, So they're trying they're trying to not

718
00:41:46,000 --> 00:41:49,600
Speaker 1: charge you penalize you for not having the best budget

719
00:41:49,640 --> 00:41:51,719
Speaker 1: on the planet, because we understand that people who've got

720
00:41:51,719 --> 00:41:53,320
Speaker 1: too much month at the end of their money. So

721
00:41:53,400 --> 00:41:56,160
Speaker 1: they're doing two things and not hit, not hit hitting

722
00:41:56,239 --> 00:41:58,239
Speaker 1: over By the way, there were some unscrupulous banks who

723
00:41:58,280 --> 00:41:59,920
Speaker 1: made a lot of money on just overdraft fee. So

724
00:42:00,160 --> 00:42:02,120
Speaker 1: joking around about it, but it's really become a thing

725
00:42:03,000 --> 00:42:05,200
Speaker 1: of praying on some people. Well Stroger shows and not

726
00:42:05,280 --> 00:42:07,160
Speaker 1: to do that obviously, And then you have the other

727
00:42:07,239 --> 00:42:09,520
Speaker 1: side of the coin where people really need access to

728
00:42:09,560 --> 00:42:11,719
Speaker 1: their money a little earlier, which is and so you

729
00:42:11,800 --> 00:42:15,600
Speaker 1: because you have predictable employers, like my guess is county

730
00:42:15,680 --> 00:42:18,640
Speaker 1: governments and state governments, and you know major corporations, and

731
00:42:18,719 --> 00:42:20,600
Speaker 1: you already pretty much know this person has been working

732
00:42:20,640 --> 00:42:24,920
Speaker 1: there for ten years. Pretty pretty good chance that the

733
00:42:24,960 --> 00:42:27,080
Speaker 1: next paychecks coming, they're gonna let you have access to

734
00:42:27,120 --> 00:42:29,560
Speaker 1: their money faster. Is that it works? That's a that's

735
00:42:29,600 --> 00:42:31,520
Speaker 1: a cool thing. Are you charging a fee for that?

736
00:42:31,760 --> 00:42:34,920
Speaker 1: Or really, I got some I got a cousin booboo

737
00:42:35,040 --> 00:42:40,319
Speaker 1: need that, pooking them, pooking them, and my family need

738
00:42:40,400 --> 00:42:48,640
Speaker 1: access that like immediately. They may change baits, they may

739
00:42:48,760 --> 00:42:52,560
Speaker 1: change bases to get access to their money earlier. And

740
00:42:52,680 --> 00:42:55,720
Speaker 1: one of the other things that we're gonna be launching

741
00:42:55,840 --> 00:42:59,759
Speaker 1: soon is a new flex loan, So when you have

742
00:42:59,840 --> 00:43:05,160
Speaker 1: a banking relationship with us UM, eligible account holders will

743
00:43:05,600 --> 00:43:09,080
Speaker 1: have access to a four hundred dollar is it four

744
00:43:09,760 --> 00:43:13,760
Speaker 1: or five um? So, she said, She said, eligible account holders.

745
00:43:14,600 --> 00:43:21,120
Speaker 1: Oh y'all, y'all, oh y'all mismanaging your stuff, trying to

746
00:43:21,200 --> 00:43:26,080
Speaker 1: blame it on the bank that y'all don't qualify. If

747
00:43:26,120 --> 00:43:32,000
Speaker 1: you were in four closed here last month, if the

748
00:43:32,080 --> 00:43:35,320
Speaker 1: toe truck was following your car last week, you probably

749
00:43:36,160 --> 00:43:39,120
Speaker 1: don't qualify, but this particular product, you can come to

750
00:43:39,160 --> 00:43:41,239
Speaker 1: Operation Hope. We'll help you out, and then we'll get

751
00:43:41,280 --> 00:43:43,919
Speaker 1: you a point wherein you can be an account holder

752
00:43:43,960 --> 00:43:46,160
Speaker 1: in good standing as Saint as the center that got up.

753
00:43:46,200 --> 00:43:47,880
Speaker 1: We understand, I've been there before. By the way, my

754
00:43:47,920 --> 00:43:49,840
Speaker 1: credit s grow was three hundred. I get it, okay.

755
00:43:50,120 --> 00:43:55,520
Speaker 1: So back to eligible account holders. You can have access

756
00:43:55,680 --> 00:43:59,399
Speaker 1: to a loan of either two fifty dollars or five

757
00:44:00,120 --> 00:44:04,920
Speaker 1: ers that you just repay in four easy installment payments.

758
00:44:05,040 --> 00:44:08,359
Speaker 1: There's like a twenty dollar fee for the five loan

759
00:44:09,239 --> 00:44:11,960
Speaker 1: and it just helps people with their cash flows, right.

760
00:44:12,239 --> 00:44:16,600
Speaker 1: You might you know, my refrigerator went out and I

761
00:44:16,680 --> 00:44:18,600
Speaker 1: had to get it fixed, right, and so I just

762
00:44:18,680 --> 00:44:21,560
Speaker 1: need a little bit extra to get me through this hump.

763
00:44:22,360 --> 00:44:24,640
Speaker 1: I can take advantage of that flex loan. That's so

764
00:44:24,840 --> 00:44:30,160
Speaker 1: important because for uh Mary Arisims in the studio, who's

765
00:44:30,239 --> 00:44:33,759
Speaker 1: president of Partnerships for Operation Hope, and she would tell me, uh,

766
00:44:34,120 --> 00:44:38,560
Speaker 1: right now, I didn't remember it. Of all, Americans don't

767
00:44:38,600 --> 00:44:41,279
Speaker 1: have four dollars for an unplanned event. So you're giving

768
00:44:41,320 --> 00:44:44,319
Speaker 1: a flex loan of two five hundred dollars just might

769
00:44:44,360 --> 00:44:48,680
Speaker 1: be the difference between them having heating or or refrigerator

770
00:44:48,920 --> 00:44:52,399
Speaker 1: or the car fixed or not. Um, it's a big deal,

771
00:44:52,520 --> 00:44:55,680
Speaker 1: and you're also indirectly putting pay aalenders out of business.

772
00:44:56,239 --> 00:44:59,520
Speaker 1: I'm saying that you're not. It's a beautiful thing as

773
00:44:59,560 --> 00:45:04,120
Speaker 1: we pivot uh here at this wonderful, rich time we

774
00:45:04,239 --> 00:45:06,320
Speaker 1: spend together. I just love being with you. Think you

775
00:45:06,360 --> 00:45:09,040
Speaker 1: an extraordinary human being. But you know you didn't give

776
00:45:09,040 --> 00:45:11,239
Speaker 1: me a chance to talk about the banking inclusion. She's

777
00:45:11,239 --> 00:45:14,759
Speaker 1: trying to earn her check. I'm trying to get to

778
00:45:14,840 --> 00:45:16,320
Speaker 1: I'm trying to get to the goods about how to

779
00:45:16,400 --> 00:45:18,440
Speaker 1: inspire these women. She's like, oh, no, no, no, no,

780
00:45:18,719 --> 00:45:22,759
Speaker 1: I get paid. I get paid by Wells Fargo and

781
00:45:22,840 --> 00:45:25,680
Speaker 1: we're gonna finish this. But now I'm with you. Let's

782
00:45:25,680 --> 00:45:27,560
Speaker 1: do it. Let's let's get into it. I'm just excited

783
00:45:27,560 --> 00:45:29,400
Speaker 1: about some of the things that we have going and

784
00:45:29,640 --> 00:45:34,480
Speaker 1: the director no, talk about that. Please. Now you can

785
00:45:34,520 --> 00:45:39,760
Speaker 1: talk about it as much as you want. Feel free,

786
00:45:40,640 --> 00:45:42,680
Speaker 1: but you know, hope inside is one of those things

787
00:45:42,719 --> 00:45:45,720
Speaker 1: that I'm really excited about because we're putting financial coaches

788
00:45:45,760 --> 00:45:49,960
Speaker 1: with lived experience in our branches to help community members

789
00:45:50,600 --> 00:45:55,799
Speaker 1: get their money right right and UM, so we're going

790
00:45:55,880 --> 00:45:57,920
Speaker 1: to be in twenty markets by the end of next year.

791
00:45:58,640 --> 00:46:02,319
Speaker 1: Mm hmm. We're going to be able to serve up

792
00:46:02,320 --> 00:46:04,919
Speaker 1: to a hundred and fifty branches. That's beautiful. You don't

793
00:46:04,960 --> 00:46:07,000
Speaker 1: have to be a Wells Fargo customer to take advantage

794
00:46:07,040 --> 00:46:10,400
Speaker 1: of the services. So we want to help people get

795
00:46:10,400 --> 00:46:12,359
Speaker 1: to those seven hundred credit score so that they can

796
00:46:12,520 --> 00:46:15,279
Speaker 1: get that low interest rate on the auto loan, get

797
00:46:15,360 --> 00:46:20,279
Speaker 1: that mortgage, get that small business started, and and we're

798
00:46:20,280 --> 00:46:25,240
Speaker 1: also talking about UH helping specifically with black business creation.

799
00:46:25,280 --> 00:46:27,719
Speaker 1: We'll talk about more of that later on. You gots

800
00:46:27,719 --> 00:46:29,800
Speaker 1: a member of Financial Literacy for All, which is the

801
00:46:30,040 --> 00:46:33,759
Speaker 1: leadership initiative from Corporate America to make financial literacy a

802
00:46:33,840 --> 00:46:35,719
Speaker 1: civil rights issue in this country and baking into the

803
00:46:35,760 --> 00:46:38,200
Speaker 1: business plan of major companies is like what healthcare was

804
00:46:38,280 --> 00:46:42,680
Speaker 1: forty years ago. That is awesothing we're very excited about. UM.

805
00:46:43,160 --> 00:46:45,319
Speaker 1: You guys have been financially supportive of the one million

806
00:46:45,400 --> 00:46:50,239
Speaker 1: Black Business Initiative UM, and we're talking about going deeper there. UM.

807
00:46:50,520 --> 00:46:53,560
Speaker 1: What else are you doing at the inclusion initiative that

808
00:46:53,600 --> 00:46:56,239
Speaker 1: people need to know about? Scenes you call me on it.

809
00:47:01,160 --> 00:47:06,400
Speaker 1: So we're working with a number of different UM collaboration partners.

810
00:47:06,800 --> 00:47:11,279
Speaker 1: UM we did some marketing pilots earlier this year. We

811
00:47:11,440 --> 00:47:14,800
Speaker 1: recognize that we've got to do better in terms of

812
00:47:14,840 --> 00:47:19,200
Speaker 1: our value proposition to consumers. So when we talked with

813
00:47:19,360 --> 00:47:22,800
Speaker 1: unbanked consumers, we found that, you know, they're really focused

814
00:47:22,840 --> 00:47:26,960
Speaker 1: on their financial stability and having a cash based system

815
00:47:27,040 --> 00:47:29,720
Speaker 1: helps them know exactly how much money they have to spend,

816
00:47:30,239 --> 00:47:33,000
Speaker 1: how much money they have to pay their rent, their bills, etcetera.

817
00:47:33,800 --> 00:47:38,520
Speaker 1: And it's it's just more comfortable from them for them. UM.

818
00:47:38,719 --> 00:47:41,080
Speaker 1: So we need to work on our value proposition and

819
00:47:41,440 --> 00:47:44,080
Speaker 1: help them understand the value that we can bring to

820
00:47:44,120 --> 00:47:46,480
Speaker 1: the table and help get them on a path to

821
00:47:46,719 --> 00:47:52,359
Speaker 1: achieving their aspirational goals. So translation for the layman out there,

822
00:47:52,719 --> 00:47:54,800
Speaker 1: you want to make sure the bank's relatable to everybody,

823
00:47:54,880 --> 00:47:56,880
Speaker 1: not just rich people. You want to make sure that

824
00:47:57,120 --> 00:47:58,919
Speaker 1: people know that you don't have to be just doing

825
00:47:59,320 --> 00:48:02,440
Speaker 1: very very well or even moderately well to come to

826
00:48:02,480 --> 00:48:04,400
Speaker 1: a bank. You can come to a bank and whatever

827
00:48:04,560 --> 00:48:07,040
Speaker 1: put place you are in your life, and will you'll

828
00:48:07,080 --> 00:48:10,399
Speaker 1: help them to go to that next step? Yeah, that's

829
00:48:10,640 --> 00:48:15,239
Speaker 1: as brilliant. Can I pivot? Now? Got uh? You know,

830
00:48:15,400 --> 00:48:17,920
Speaker 1: this is my favorite part of the session, because you're

831
00:48:17,920 --> 00:48:21,600
Speaker 1: gonna you're you're going to leave. You're gonna change somebody's life. Um,

832
00:48:21,719 --> 00:48:24,480
Speaker 1: there's some There's some little girl in the car with

833
00:48:24,560 --> 00:48:28,879
Speaker 1: her mother. There's some mother who's frustrated that she doesn't

834
00:48:28,920 --> 00:48:33,280
Speaker 1: have all the solutions for her family. There's some grandmother

835
00:48:33,480 --> 00:48:36,759
Speaker 1: who feels that she's led her children down because she

836
00:48:36,840 --> 00:48:40,480
Speaker 1: doesn't have generational wealth. There's some abused woman who's staying

837
00:48:40,560 --> 00:48:43,520
Speaker 1: around with some knucklehead because she's got children and he's

838
00:48:43,560 --> 00:48:45,480
Speaker 1: been beating on her. But she thinks she's staying around

839
00:48:45,520 --> 00:48:48,960
Speaker 1: for money. There's somebody listening to this who self esteem

840
00:48:49,880 --> 00:48:52,160
Speaker 1: it is not exactly where it needs to be. If

841
00:48:52,200 --> 00:48:53,840
Speaker 1: I don't like me, i'm not gonna like you. But

842
00:48:53,920 --> 00:48:55,520
Speaker 1: I don't feel good about me, I'm not gonna feel

843
00:48:55,520 --> 00:48:57,600
Speaker 1: good about you. I don't respect me. You don't expect

844
00:48:57,640 --> 00:48:58,960
Speaker 1: me to respect you. If I don't love me, I

845
00:48:59,000 --> 00:49:01,719
Speaker 1: don't have a clue out of you. Love starts at

846
00:49:01,760 --> 00:49:06,000
Speaker 1: home inside of you. So there's somebody listening to this

847
00:49:06,160 --> 00:49:09,759
Speaker 1: who just needs a little bit of a boost. You've

848
00:49:09,800 --> 00:49:14,360
Speaker 1: done it. You've made it executive vice president. Just for context,

849
00:49:14,560 --> 00:49:17,640
Speaker 1: When I was coming up. You know you had a

850
00:49:17,719 --> 00:49:21,479
Speaker 1: vice president of a bank branch and uh, that person

851
00:49:21,560 --> 00:49:23,919
Speaker 1: really had power. I mean they ran that bank branch,

852
00:49:23,960 --> 00:49:25,640
Speaker 1: but they can make credit decisions all that kind of stuff.

853
00:49:26,080 --> 00:49:28,960
Speaker 1: But vice president doesn't mean what it used to mean. Uh.

854
00:49:29,120 --> 00:49:32,200
Speaker 1: They people got some companies throughout comedy. The vice president title,

855
00:49:32,320 --> 00:49:34,040
Speaker 1: not the corporate vice but which is vice president? Like

856
00:49:34,120 --> 00:49:38,799
Speaker 1: it's candy, doesn't mean much other than a pay position. Um,

857
00:49:40,120 --> 00:49:43,520
Speaker 1: corporate vice president, You're starting to get serious. Uh, senior

858
00:49:43,640 --> 00:49:47,280
Speaker 1: vice president, that's really serious, particularly if it's a national

859
00:49:47,440 --> 00:49:50,160
Speaker 1: versus a regional senior vice president. Just for people listening

860
00:49:50,200 --> 00:49:55,360
Speaker 1: to this, an executive vice president is high cotton. You

861
00:49:55,400 --> 00:49:58,120
Speaker 1: can you can translate research high cotton. That means the

862
00:49:58,200 --> 00:50:01,680
Speaker 1: Southern phrase means that she's a big, big baller. She's serious.

863
00:50:02,320 --> 00:50:08,399
Speaker 1: That's a very very unique role. Executive vice president and director. Um,

864
00:50:09,520 --> 00:50:15,000
Speaker 1: you should be very proud of yourself. But what do

865
00:50:15,160 --> 00:50:19,880
Speaker 1: you have to give in the context of council advice? Direction?

866
00:50:20,080 --> 00:50:24,000
Speaker 1: Inspiration for those trying to come up. I tell women,

867
00:50:24,080 --> 00:50:27,000
Speaker 1: you're more than ready, be willing to take a risk,

868
00:50:27,200 --> 00:50:31,040
Speaker 1: take the next job. Say yes. Um. There's an African

869
00:50:31,160 --> 00:50:36,240
Speaker 1: proverb that UM says when women rule, streams run uphill

870
00:50:36,760 --> 00:50:41,560
Speaker 1: m M. Whoa. And I think about that, when women

871
00:50:41,719 --> 00:50:47,759
Speaker 1: rule streams run up hill. That's deep. I mean, that's

872
00:50:47,960 --> 00:50:51,359
Speaker 1: that's deep and what and and it's got me thinking

873
00:50:51,360 --> 00:50:55,680
Speaker 1: about self esteem and use you use your essentially saying

874
00:50:55,719 --> 00:50:58,480
Speaker 1: you're enough, but your you're enough already, You're enough, and

875
00:50:58,560 --> 00:51:01,920
Speaker 1: you can make the impossible possib Yes, if you just believe,

876
00:51:02,200 --> 00:51:06,480
Speaker 1: if you believe, yeah so so. Self love is the

877
00:51:06,560 --> 00:51:18,040
Speaker 1: first love. Absolutely believe in yourself. This is the master class,

878
00:51:18,680 --> 00:51:23,240
Speaker 1: uh with Darlene goings with John Hopebrien, And this is building.

879
00:51:23,480 --> 00:51:26,879
Speaker 1: Darlene is living her truth. She can be a bad

880
00:51:27,000 --> 00:51:29,160
Speaker 1: sister without bragging about it. And you have the power,

881
00:51:29,200 --> 00:51:31,160
Speaker 1: you don't need to use it. She steps over mess

882
00:51:31,200 --> 00:51:34,320
Speaker 1: and not in it. She says, you will respect me,

883
00:51:35,080 --> 00:51:38,759
Speaker 1: or you won't deal with me. She says, measure me

884
00:51:38,880 --> 00:51:42,120
Speaker 1: by my performance and my work, about my personality or

885
00:51:42,200 --> 00:51:45,239
Speaker 1: my looks. You will respect me because the only way

886
00:51:45,239 --> 00:51:48,360
Speaker 1: I'm coming is authentic. Or I will leave because I

887
00:51:48,440 --> 00:51:50,680
Speaker 1: know I can find a job someplace else. She knows

888
00:51:50,760 --> 00:51:53,279
Speaker 1: she's not perfect, but she knows she's enough. She is

889
00:51:53,400 --> 00:51:57,879
Speaker 1: her father's daughter, but she's also her son's mother. She's

890
00:51:57,880 --> 00:52:00,640
Speaker 1: also a friend. She's also someone who gives back. She's

891
00:52:00,680 --> 00:52:03,640
Speaker 1: one who lives through service, and the service she gives

892
00:52:03,840 --> 00:52:07,040
Speaker 1: is a legacy she leaves. She's articulate, but she's not snooty.

893
00:52:07,360 --> 00:52:11,239
Speaker 1: She's loving and confident, but she's also courageously disciplined, and

894
00:52:11,360 --> 00:52:14,520
Speaker 1: she will hold you accountable, which is why she loves

895
00:52:14,760 --> 00:52:18,120
Speaker 1: the data. She's as much of a silver rights leader

896
00:52:18,200 --> 00:52:21,080
Speaker 1: in the sweets as the civil rights leaders were in

897
00:52:21,200 --> 00:52:25,400
Speaker 1: the streets. She's trying to set out people free at scale. Ladies,

898
00:52:25,719 --> 00:52:29,840
Speaker 1: you're enough all by yourself. Stand up, step in, believing

899
00:52:29,920 --> 00:52:34,920
Speaker 1: yourself in demand a seat at the table. Expand the

900
00:52:34,960 --> 00:52:43,920
Speaker 1: table and at a seat. Darling Goings is coming. Building

901
00:52:44,000 --> 00:52:46,040
Speaker 1: the Good Life with John Hope Bryant is brought to

902
00:52:46,120 --> 00:52:47,360
Speaker 1: you by Prevential Financial