1 00:00:16,160 --> 00:00:21,240 Speaker 1: Hey, hey, hey, we're black. We're back, We're brown. 2 00:00:22,000 --> 00:00:24,880 Speaker 2: Hey, Mandy, what's up to a little shaky on the 3 00:00:24,960 --> 00:00:25,640 Speaker 2: dismount there? 4 00:00:25,920 --> 00:00:29,280 Speaker 1: I what's my order? What's my line? 5 00:00:29,400 --> 00:00:29,720 Speaker 3: Line? 6 00:00:30,240 --> 00:00:32,080 Speaker 4: Are we black? Are we back? Which one comes first? 7 00:00:32,760 --> 00:00:34,760 Speaker 1: I know, I don't know, and you know I got it. 8 00:00:34,760 --> 00:00:38,080 Speaker 1: It's okay. We're We're in here in cheer. Have you been. 9 00:00:38,840 --> 00:00:42,560 Speaker 2: I've been great, you know, making making moves per usue 10 00:00:43,120 --> 00:00:46,160 Speaker 2: trying to wake up from the Super Bowl. I'm still 11 00:00:46,200 --> 00:00:48,960 Speaker 2: like half asleep because it was the boringest event in 12 00:00:49,040 --> 00:00:49,760 Speaker 2: all of history. 13 00:00:49,800 --> 00:00:51,760 Speaker 4: But you know, it's nice to have snacks. 14 00:00:53,080 --> 00:00:54,920 Speaker 3: I didn't even honestly, I spent the day at like 15 00:00:55,000 --> 00:00:59,120 Speaker 3: my parents' house, helping well superman put all the stuff together. 16 00:00:59,160 --> 00:01:01,200 Speaker 1: You know, your parents taken when you come fixes one thing. 17 00:01:01,600 --> 00:01:05,000 Speaker 3: Three hours later, the whole house is done. 18 00:01:05,360 --> 00:01:08,640 Speaker 2: And this is why I moved States, because this is 19 00:01:08,640 --> 00:01:10,320 Speaker 2: my brother, is the one that my dad calls. 20 00:01:10,920 --> 00:01:11,680 Speaker 1: Yeah. 21 00:01:11,720 --> 00:01:13,720 Speaker 3: I just like yeah, I mean, I mean he didn't mind, 22 00:01:13,760 --> 00:01:15,480 Speaker 3: which is nice, you know, But still I was like 23 00:01:15,480 --> 00:01:17,319 Speaker 3: I told her, mamm like, just the door, Mommy, just 24 00:01:17,400 --> 00:01:17,680 Speaker 3: the door. 25 00:01:17,959 --> 00:01:21,199 Speaker 1: She looked at me like, girl, bye, I'm not even. 26 00:01:21,080 --> 00:01:21,600 Speaker 5: Speaking to you. 27 00:01:21,480 --> 00:01:23,600 Speaker 1: You don't even do anything. I'm speaking to your husband. 28 00:01:24,920 --> 00:01:26,360 Speaker 1: So he said he loved it. 29 00:01:26,400 --> 00:01:28,399 Speaker 3: He was his mom passed away when he's twenty, so 30 00:01:28,440 --> 00:01:29,959 Speaker 3: he's like, you know, your parents are my parents. 31 00:01:29,959 --> 00:01:33,400 Speaker 2: So I was like, oh, nice, you're a great one. 32 00:01:33,440 --> 00:01:34,800 Speaker 2: Like your husband's nicer than you are. 33 00:01:34,920 --> 00:01:36,760 Speaker 3: You're like I know, because I was sure, like she'll 34 00:01:36,840 --> 00:01:38,559 Speaker 3: just get this door done and have to wait. 35 00:01:39,760 --> 00:01:43,000 Speaker 1: I look like, if you say so, no, but it 36 00:01:43,080 --> 00:01:46,480 Speaker 1: was awesome. But I'm super excited if speaking about good men, 37 00:01:46,920 --> 00:01:48,960 Speaker 1: I'm excited because we've got an awesome guest today. 38 00:01:49,160 --> 00:01:52,480 Speaker 2: Correct though, Yeah, I've actually you we both kind of 39 00:01:52,520 --> 00:01:55,440 Speaker 2: known Ash Cash, the man that met the legend going 40 00:01:55,520 --> 00:01:56,400 Speaker 2: on a few years now. 41 00:01:56,400 --> 00:01:58,480 Speaker 4: When did you first meet Ash? What's your Ash story? 42 00:01:58,880 --> 00:02:00,880 Speaker 3: You know, I don't even remember, you know, I feel 43 00:02:00,880 --> 00:02:03,080 Speaker 3: like I've always known, as you know what I mean, 44 00:02:03,680 --> 00:02:06,200 Speaker 3: just like I can never not remember, honestly. 45 00:02:06,240 --> 00:02:08,840 Speaker 1: I'm like, well, ask if you remember, like I don't. Honestly, 46 00:02:08,880 --> 00:02:11,480 Speaker 1: I don't know for a fin con I don't know. 47 00:02:11,440 --> 00:02:15,360 Speaker 6: Before you don't remember it was? I remember, I remember this. 48 00:02:15,600 --> 00:02:19,320 Speaker 6: I remember it was, Uh what year was this? It 49 00:02:19,480 --> 00:02:23,560 Speaker 6: had to be two thousand. 50 00:02:24,040 --> 00:02:25,320 Speaker 5: I forget what year it was. 51 00:02:25,800 --> 00:02:31,240 Speaker 2: You're both at memory but it was christ Wow, you 52 00:02:31,240 --> 00:02:32,080 Speaker 2: have a great memory. 53 00:02:33,280 --> 00:02:38,359 Speaker 5: A little kid was like last year. 54 00:02:39,040 --> 00:02:41,480 Speaker 1: I'm the last you know. I wasn't even that think 55 00:02:41,480 --> 00:02:42,119 Speaker 1: called last year. 56 00:02:42,160 --> 00:02:45,520 Speaker 3: But anyway, if you don't know who we're speaking to 57 00:02:45,960 --> 00:02:49,480 Speaker 3: and of Ash Cash is a personal finance expert. He's 58 00:02:49,480 --> 00:02:54,680 Speaker 3: a speaker radio TV. But honestly, he's like really like 59 00:02:54,720 --> 00:02:58,720 Speaker 3: my brother from another mother. He is super inspiring. He 60 00:02:58,880 --> 00:03:02,000 Speaker 3: was in the banking industry for about a decade, worked 61 00:03:02,040 --> 00:03:06,960 Speaker 3: his way up from a teller to a manager and 62 00:03:07,040 --> 00:03:09,720 Speaker 3: then was the CEO. What is it when you're when 63 00:03:09,720 --> 00:03:12,160 Speaker 3: you basically run a credit union presidency? 64 00:03:12,560 --> 00:03:14,040 Speaker 5: Yeah, I was the CEO of a credit union. 65 00:03:14,120 --> 00:03:19,560 Speaker 3: Yeah, that's incredible, you know, incredible And just recently he 66 00:03:20,080 --> 00:03:22,400 Speaker 3: so just like me. I well, I ended up losing 67 00:03:22,440 --> 00:03:25,600 Speaker 3: my home during the Great Recession, and Ash was on 68 00:03:25,639 --> 00:03:27,960 Speaker 3: the verge of that. But there was a program he 69 00:03:28,040 --> 00:03:30,400 Speaker 3: used that helped him save his home, and recently he 70 00:03:30,639 --> 00:03:34,440 Speaker 3: sold that home for a huge windfall. So that's what 71 00:03:34,560 --> 00:03:37,560 Speaker 3: we've been to talk about today. So we're just really 72 00:03:37,560 --> 00:03:40,360 Speaker 3: happy to have you'll. You'll know, his tagline is mind 73 00:03:40,440 --> 00:03:43,120 Speaker 3: right money right or mind right life right. I mean, 74 00:03:43,120 --> 00:03:44,720 Speaker 3: but mind right is kind of like how it's like 75 00:03:44,800 --> 00:03:46,839 Speaker 3: my live Richard. So thank you for joining us. 76 00:03:47,360 --> 00:03:49,720 Speaker 6: Thank you so much for having me. You know, well 77 00:03:49,720 --> 00:03:53,440 Speaker 6: we always connect. It's always great energy. And Mandy has 78 00:03:53,480 --> 00:03:56,120 Speaker 6: been on my radio show and she has great energy 79 00:03:56,560 --> 00:03:59,560 Speaker 6: set Mandy show. 80 00:03:59,600 --> 00:03:59,960 Speaker 1: I didn't know. 81 00:04:00,320 --> 00:04:03,040 Speaker 2: First of all, you knew that. I think we were 82 00:04:03,040 --> 00:04:06,320 Speaker 2: supposed to be on it together. But whatever, we won't 83 00:04:06,320 --> 00:04:07,400 Speaker 2: go into your bad memory. 84 00:04:07,520 --> 00:04:10,960 Speaker 6: And that's I wasn't gonna say anything. But it was 85 00:04:11,240 --> 00:04:14,200 Speaker 6: Tiff was supposed to be on as well. It was 86 00:04:14,320 --> 00:04:16,960 Speaker 6: a little bit last minute, so many held it down. 87 00:04:17,160 --> 00:04:21,600 Speaker 2: You know, we're we're here to mend fences. We're not 88 00:04:21,600 --> 00:04:24,799 Speaker 2: trying to dig up. Let's focus on the man himself. 89 00:04:24,800 --> 00:04:27,400 Speaker 2: So Ash, I mean, I think you have so much 90 00:04:27,440 --> 00:04:29,120 Speaker 2: going on. I mean, TIF didn't even mention the fact 91 00:04:29,120 --> 00:04:30,400 Speaker 2: that how many books have you written? 92 00:04:30,680 --> 00:04:30,960 Speaker 4: Seven? 93 00:04:31,320 --> 00:04:33,880 Speaker 5: Ten? Seven books? Yep, I'm at number seven. 94 00:04:33,920 --> 00:04:36,800 Speaker 2: Now, well, forget all that for a second, because beyond 95 00:04:36,839 --> 00:04:39,960 Speaker 2: your financial expertise, I'm just mostly interested in your personal 96 00:04:40,000 --> 00:04:42,880 Speaker 2: story and your real estate experience. So take us back 97 00:04:42,880 --> 00:04:45,440 Speaker 2: to when you and your wife first decided to buy 98 00:04:45,440 --> 00:04:47,640 Speaker 2: a home. It was in New York, right in the Bronx. 99 00:04:48,000 --> 00:04:52,160 Speaker 6: Yeah, New York, in the Bronx the Wakefield area who 100 00:04:52,440 --> 00:04:56,120 Speaker 6: we were young. So it's funny because my wife and 101 00:04:56,160 --> 00:05:01,960 Speaker 6: I have been together for fifteen years for eleven and 102 00:05:02,040 --> 00:05:04,360 Speaker 6: when we first met, uh, you know, we we met 103 00:05:04,400 --> 00:05:06,520 Speaker 6: at work actually, so so my you know, I work, 104 00:05:06,800 --> 00:05:09,200 Speaker 6: I worked at Chase. Uh, I was a banker at 105 00:05:09,240 --> 00:05:11,560 Speaker 6: the time. She was a teller and we and we 106 00:05:11,800 --> 00:05:14,040 Speaker 6: you know, we met. We dated for about I mean 107 00:05:14,080 --> 00:05:15,880 Speaker 6: we knew each other for about two years before we 108 00:05:15,920 --> 00:05:19,600 Speaker 6: started dating. And so as we started to date, we 109 00:05:19,600 --> 00:05:21,719 Speaker 6: were thinking about I want to say, we were together 110 00:05:21,760 --> 00:05:25,520 Speaker 6: like four or five years or four years and then, uh, 111 00:05:25,560 --> 00:05:28,000 Speaker 6: we had the news that we were gonna have my 112 00:05:28,000 --> 00:05:31,080 Speaker 6: my daughter. And so at the time, you know, we 113 00:05:31,120 --> 00:05:34,479 Speaker 6: had planned this big wedding we were gonna go to, uh, 114 00:05:34,520 --> 00:05:35,920 Speaker 6: We're gonna have a destination wedding. 115 00:05:35,960 --> 00:05:38,080 Speaker 5: We would get married in Jamaica and all this stuff. 116 00:05:38,360 --> 00:05:41,800 Speaker 6: And my wife, you know, feash out to her, being 117 00:05:41,920 --> 00:05:45,320 Speaker 6: financially savvy, said you know, why are we gonna spend all. 118 00:05:45,120 --> 00:05:48,159 Speaker 5: Of this money to entertain other people? You know? 119 00:05:48,279 --> 00:05:51,040 Speaker 6: And see she jokingly said, you know what, how about 120 00:05:51,080 --> 00:05:52,799 Speaker 6: we just take all this money that we were gonna 121 00:05:52,960 --> 00:05:56,160 Speaker 6: pay for this wedding. Let's buy a house and if 122 00:05:56,200 --> 00:05:58,600 Speaker 6: we last ten years, then we'll have the wedding after 123 00:05:58,640 --> 00:06:01,040 Speaker 6: the ten years. And you know, I said, oh, that 124 00:06:01,120 --> 00:06:03,799 Speaker 6: sounds like a great idea. And so we like literally, 125 00:06:04,320 --> 00:06:05,640 Speaker 6: uh we were we were. 126 00:06:05,680 --> 00:06:07,239 Speaker 5: She was twenty four, I was twenty five. 127 00:06:07,839 --> 00:06:11,160 Speaker 6: We bought our first home and we you know, we 128 00:06:11,440 --> 00:06:14,280 Speaker 6: bought the house in the Bronx, uh Wakefield area. 129 00:06:14,839 --> 00:06:17,680 Speaker 5: Uh you know again I was I was already a banker. 130 00:06:17,720 --> 00:06:20,640 Speaker 6: I was already in banking and so financially, that just 131 00:06:20,680 --> 00:06:23,320 Speaker 6: made sense for me. And instead of buying a home 132 00:06:23,400 --> 00:06:26,240 Speaker 6: that was just a single parent a single family home, 133 00:06:26,279 --> 00:06:29,000 Speaker 6: we we bought a two family home, you know, thinking 134 00:06:29,440 --> 00:06:31,960 Speaker 6: that we can either you know, rent it out or 135 00:06:32,800 --> 00:06:34,719 Speaker 6: you know, have you know, maybe you know, you know, 136 00:06:34,760 --> 00:06:37,280 Speaker 6: at the time, her mother lived in the Bronx, so 137 00:06:37,360 --> 00:06:39,800 Speaker 6: we were thinking about maybe you know having you know, 138 00:06:39,839 --> 00:06:42,000 Speaker 6: my uh my mother in law lived with us so 139 00:06:42,040 --> 00:06:44,520 Speaker 6: that she could help take care of the baby. And 140 00:06:44,600 --> 00:06:46,320 Speaker 6: so that's what that's what we wind up doing. And 141 00:06:46,360 --> 00:06:49,040 Speaker 6: so we bought the home, I want to say, two 142 00:06:49,080 --> 00:06:51,360 Speaker 6: thousand and seven and. 143 00:06:51,240 --> 00:06:52,599 Speaker 4: Good timing, good time. 144 00:06:53,000 --> 00:06:55,040 Speaker 2: Yet a way to spend money then. 145 00:06:55,400 --> 00:06:58,240 Speaker 6: Yeah, yeah, exactly and at the height though, right, so 146 00:06:58,279 --> 00:07:00,840 Speaker 6: this is right when you know, you know, the real 147 00:07:00,920 --> 00:07:05,200 Speaker 6: estate bubble, you know, you know, everything was pricey, and 148 00:07:05,279 --> 00:07:06,640 Speaker 6: so you know, we bought the house. 149 00:07:06,680 --> 00:07:09,760 Speaker 4: Then how much was it? 150 00:07:09,760 --> 00:07:12,880 Speaker 6: It was four to twenty five at the time. Okay, 151 00:07:13,320 --> 00:07:16,560 Speaker 6: so four hundred and twenty five thousand dollars for two 152 00:07:16,600 --> 00:07:21,360 Speaker 6: family home in the Bronx and Man two thousand and 153 00:07:21,400 --> 00:07:25,280 Speaker 6: eight hit two thousand to die, and we lost a 154 00:07:25,320 --> 00:07:28,960 Speaker 6: lot of you know, we lost a lot of value 155 00:07:29,000 --> 00:07:33,160 Speaker 6: in the home. Like literally, you know, the house was 156 00:07:33,200 --> 00:07:35,360 Speaker 6: worth you know, for twenty five and we bought it. 157 00:07:35,480 --> 00:07:38,400 Speaker 6: By two thousand and nine, two years later, the house 158 00:07:38,480 --> 00:07:42,440 Speaker 6: was worth about two hundred and fifty thousand dollars. 159 00:07:42,080 --> 00:07:43,880 Speaker 2: And you had taken out a mortgage. So how much 160 00:07:43,880 --> 00:07:45,160 Speaker 2: mortgage did you have at the time. 161 00:07:45,640 --> 00:07:47,960 Speaker 6: So at the time, so we we took out we 162 00:07:48,080 --> 00:07:51,440 Speaker 6: used the fah loan, and so we had put down 163 00:07:52,880 --> 00:07:55,480 Speaker 6: you know, the I want to say, like ten percent 164 00:07:56,400 --> 00:07:58,040 Speaker 6: or maybe less than that. We I want to say, 165 00:07:58,040 --> 00:08:00,360 Speaker 6: we put put down about twenty thousand, which is less 166 00:08:00,360 --> 00:08:02,160 Speaker 6: than ten percent, right, So we put it. We put 167 00:08:02,200 --> 00:08:05,320 Speaker 6: down a lot about like twenty twenty thousand. So you know, 168 00:08:05,400 --> 00:08:07,920 Speaker 6: our mortgage was was around like four hundred you know, 169 00:08:07,920 --> 00:08:11,320 Speaker 6: four hundred thousand for four oh seven some somewhere along 170 00:08:11,320 --> 00:08:13,840 Speaker 6: those lines. I don't remember exactly the numbers, but it 171 00:08:13,880 --> 00:08:15,920 Speaker 6: was it was four hundred and some changes what our 172 00:08:16,000 --> 00:08:19,560 Speaker 6: mortgage was, and you know, and so so each you know, 173 00:08:19,640 --> 00:08:20,400 Speaker 6: each month. 174 00:08:20,160 --> 00:08:22,320 Speaker 5: We were we were paying a hefty penny. 175 00:08:22,560 --> 00:08:25,480 Speaker 6: You know, I want to say, close to twenty five 176 00:08:25,560 --> 00:08:27,960 Speaker 6: hundred dollars if I if I'm not mistaken, was was 177 00:08:27,960 --> 00:08:28,760 Speaker 6: our mortgage? 178 00:08:28,960 --> 00:08:31,120 Speaker 2: And yet your house is worth like one hundred and 179 00:08:31,120 --> 00:08:32,720 Speaker 2: fifty k less than that. 180 00:08:33,160 --> 00:08:34,920 Speaker 5: Then what we yep, then what we were paying? 181 00:08:35,080 --> 00:08:38,040 Speaker 1: Yeah, do you remember what your interest rate was back 182 00:08:38,080 --> 00:08:38,880 Speaker 1: then that you locked in? 183 00:08:40,480 --> 00:08:44,160 Speaker 6: So luckily? I want to say that I had. I 184 00:08:44,240 --> 00:08:47,600 Speaker 6: was working at the bank, so I was at the 185 00:08:47,640 --> 00:08:49,160 Speaker 6: time that we bought the house. 186 00:08:49,400 --> 00:08:51,040 Speaker 5: I was a private. 187 00:08:50,679 --> 00:08:54,320 Speaker 6: Banker working at a Bank of America, And so I 188 00:08:54,440 --> 00:08:57,440 Speaker 6: want to say it was it might have been like 189 00:08:57,600 --> 00:09:00,680 Speaker 6: five six percent something like that, somewhere on those lines, 190 00:09:00,720 --> 00:09:01,679 Speaker 6: like five six percent. 191 00:09:01,840 --> 00:09:05,720 Speaker 2: Yeah, So what happened? I mean, what was the worst? 192 00:09:05,720 --> 00:09:07,560 Speaker 2: What was like the bottom for you guys when you 193 00:09:07,640 --> 00:09:10,320 Speaker 2: realized what in what terrible shape you were? And then 194 00:09:10,320 --> 00:09:11,680 Speaker 2: and how did you bounce back? 195 00:09:11,920 --> 00:09:12,520 Speaker 4: What did you meant? 196 00:09:13,200 --> 00:09:17,880 Speaker 6: So so so right around? I want to say, two 197 00:09:17,920 --> 00:09:20,199 Speaker 6: thousand and nine, so I'm still working at the bank. 198 00:09:20,400 --> 00:09:22,160 Speaker 6: You know, we lose all this value in the home, 199 00:09:22,240 --> 00:09:24,400 Speaker 6: but you know, everything is all good. You know, we 200 00:09:24,960 --> 00:09:29,360 Speaker 6: still sort of like budget you know, budgeted for to 201 00:09:29,440 --> 00:09:31,680 Speaker 6: make the monthly payments, so we were still making the payments. 202 00:09:31,720 --> 00:09:35,040 Speaker 6: Everything was all good. Right Around two thousand and nine, 203 00:09:35,760 --> 00:09:38,040 Speaker 6: I wrote my first book, Mind Right, Money Right, Tellos 204 00:09:38,080 --> 00:09:41,920 Speaker 6: of Financial Freedom. And at the time I just kind 205 00:09:41,920 --> 00:09:45,600 Speaker 6: of had this bug for entrepreneurship and to just kind 206 00:09:45,600 --> 00:09:46,920 Speaker 6: of take it back a little bit. You know, I 207 00:09:46,920 --> 00:09:49,559 Speaker 6: grew up in a single parent home. You know, I 208 00:09:49,640 --> 00:09:51,959 Speaker 6: grew up into projects in Harlem, Saint Nicholas projects, and 209 00:09:52,000 --> 00:09:55,120 Speaker 6: so I didn't really have any role models, anybody in 210 00:09:55,200 --> 00:09:58,160 Speaker 6: business that could teach me and know mentors anything like that. 211 00:09:58,679 --> 00:10:01,080 Speaker 6: And so when I had I knew how to passion 212 00:10:01,640 --> 00:10:04,360 Speaker 6: to teach, to teach money, and so you know, I 213 00:10:04,679 --> 00:10:08,280 Speaker 6: you know, I wrote this book, I started doing speaking engagements, 214 00:10:08,400 --> 00:10:11,280 Speaker 6: was traveling, was making some money, and so I decided 215 00:10:11,320 --> 00:10:14,000 Speaker 6: to take a leap of faith and just leave my 216 00:10:13,800 --> 00:10:16,280 Speaker 6: my my bank position. And I was making six figures 217 00:10:16,320 --> 00:10:20,240 Speaker 6: at the time managing a branch, and I, you know, 218 00:10:20,320 --> 00:10:22,280 Speaker 6: decided to jump out the window. I said, you know, 219 00:10:22,320 --> 00:10:27,160 Speaker 6: I'm passionate about I jumped out the window. 220 00:10:27,200 --> 00:10:29,640 Speaker 5: I was, uh, you know, I just. 221 00:10:29,800 --> 00:10:32,160 Speaker 6: Not literally no no, no, no, no, no, that. 222 00:10:32,160 --> 00:10:35,719 Speaker 5: Was that's a figuratively speaking, you know, because. 223 00:10:35,440 --> 00:10:38,000 Speaker 4: That was happening. I mean it was it was troubling time. 224 00:10:38,080 --> 00:10:39,480 Speaker 1: Yeah, it was troubling time. 225 00:10:39,720 --> 00:10:40,040 Speaker 5: Right. 226 00:10:40,240 --> 00:10:42,960 Speaker 6: But but think about this though, Even during that troubling time, 227 00:10:43,640 --> 00:10:46,839 Speaker 6: I I quit my job, right, I like, I said, 228 00:10:46,880 --> 00:10:50,079 Speaker 6: you know what, I have this passion for financial education, 229 00:10:50,280 --> 00:10:52,240 Speaker 6: and so you know, I want a tour. You know, 230 00:10:52,280 --> 00:10:55,200 Speaker 6: I was getting a good publicity. I was on you know, 231 00:10:55,280 --> 00:10:57,800 Speaker 6: Black Amprist seven. I was doing a lot of interviews, 232 00:10:58,040 --> 00:11:00,320 Speaker 6: and so at the time, I thought fame equals money. 233 00:11:00,320 --> 00:11:03,000 Speaker 6: I said, whoa, you know, people know me now, and 234 00:11:03,040 --> 00:11:05,400 Speaker 6: so you know I'm gonna make money now, right, And 235 00:11:05,440 --> 00:11:07,480 Speaker 6: so I just prematurely. 236 00:11:06,720 --> 00:11:07,880 Speaker 5: Decided to quit my job. 237 00:11:08,520 --> 00:11:11,160 Speaker 6: And once I did that, I was making some money 238 00:11:11,200 --> 00:11:14,920 Speaker 6: as an entrepreneur, but I wasn't making enough to manage everything. 239 00:11:15,280 --> 00:11:17,200 Speaker 6: It wasn't making enough to manage my bills, none of 240 00:11:17,200 --> 00:11:21,120 Speaker 6: that stuff. And so you know, things started to catch up, 241 00:11:21,520 --> 00:11:24,320 Speaker 6: and you know, we couldn't afford the mortgage anymore. 242 00:11:24,920 --> 00:11:26,800 Speaker 5: And so you know, like I. 243 00:11:26,720 --> 00:11:31,839 Speaker 6: Literally remember it was like two ten, twenty eleven ish. 244 00:11:31,880 --> 00:11:35,160 Speaker 6: In fact, if you look at my Facebook page, you 245 00:11:35,200 --> 00:11:38,679 Speaker 6: will see that I threw myself a retirement party in 246 00:11:38,800 --> 00:11:42,600 Speaker 6: twenty ten because I retired from banking. I was like, 247 00:11:42,880 --> 00:11:45,840 Speaker 6: I'm retiring from banking. I'm gonna start this new career. 248 00:11:45,880 --> 00:11:47,959 Speaker 5: I was. I was just about to turn thirty. 249 00:11:48,080 --> 00:11:52,200 Speaker 6: So twenty ten, November twenty ten, it was my thirtieth birthday, 250 00:11:52,880 --> 00:11:56,400 Speaker 6: and so I threw myself a retirement party, a thirtieth 251 00:11:56,960 --> 00:11:58,360 Speaker 6: birthday retirement party. 252 00:11:58,360 --> 00:12:00,000 Speaker 5: That's how full of myself. 253 00:12:00,800 --> 00:12:03,000 Speaker 4: The universe was just like, we're about. 254 00:12:02,760 --> 00:12:07,040 Speaker 1: To show yeah, like we finished, you know what the state. 255 00:12:07,720 --> 00:12:09,679 Speaker 1: I didn't realize that, but go ahead, yeah, yeah. 256 00:12:09,520 --> 00:12:09,680 Speaker 5: You know. 257 00:12:09,840 --> 00:12:13,080 Speaker 6: Universe was like, wait, hold on, hold on, watch watch 258 00:12:13,160 --> 00:12:15,600 Speaker 6: let me show Let me show this guy, right, and 259 00:12:15,679 --> 00:12:17,760 Speaker 6: so yeah, shortly after, I want to say, you know, 260 00:12:18,080 --> 00:12:20,959 Speaker 6: uh uh not sure, but maybe like six, six or 261 00:12:21,000 --> 00:12:24,560 Speaker 6: seven months afterwards, I started to realize that I wasn't 262 00:12:24,600 --> 00:12:27,760 Speaker 6: making as much money as an entrepreneur as as I 263 00:12:27,840 --> 00:12:31,760 Speaker 6: was in my nine to five. I didn't plan, you know, 264 00:12:31,920 --> 00:12:34,920 Speaker 6: I didn't plan accordingly. My mother in law was staying 265 00:12:34,920 --> 00:12:37,040 Speaker 6: with us at the time, and so, you know, when 266 00:12:37,080 --> 00:12:40,520 Speaker 6: everything was going on, you know, we had to make 267 00:12:40,559 --> 00:12:44,120 Speaker 6: a decision. Right we we had this mortgage that we 268 00:12:44,160 --> 00:12:48,040 Speaker 6: couldn't afford. The home was wasn't worth what we were paying, 269 00:12:48,679 --> 00:12:51,440 Speaker 6: and so we we were missing out on payments. They 270 00:12:51,480 --> 00:12:54,640 Speaker 6: were gonna, you know, put the house on foreclosure, and 271 00:12:54,679 --> 00:12:56,800 Speaker 6: so we we did, uh, you know, we contacted the 272 00:12:56,800 --> 00:12:59,240 Speaker 6: bank and we did what's called a deed in lieu 273 00:12:59,280 --> 00:13:03,599 Speaker 6: of foreclosure where we put the home up for a 274 00:13:03,679 --> 00:13:06,880 Speaker 6: short sale and so that that way, if someone buys 275 00:13:06,920 --> 00:13:09,240 Speaker 6: a home, then we went and you know, we wouldn't 276 00:13:09,280 --> 00:13:11,679 Speaker 6: have to have you know, anybody knocking on our door 277 00:13:11,840 --> 00:13:13,880 Speaker 6: and you know, come come in and take the house. 278 00:13:14,360 --> 00:13:16,400 Speaker 6: And the most embarrassing part of it was that I 279 00:13:16,440 --> 00:13:18,920 Speaker 6: was still the hottest I ever was though, right My 280 00:13:18,920 --> 00:13:19,720 Speaker 6: book was still. 281 00:13:19,559 --> 00:13:21,480 Speaker 5: Selling, I was still on radio, I was still a 282 00:13:21,559 --> 00:13:23,040 Speaker 5: television I was still doing all this stuff. 283 00:13:23,280 --> 00:13:27,000 Speaker 6: But you know, you know, in real life, you know, 284 00:13:27,040 --> 00:13:28,720 Speaker 6: I'm struggling about to lose my home. 285 00:13:29,040 --> 00:13:31,360 Speaker 5: My neighbors are coming up to me like, Ash, what's 286 00:13:31,360 --> 00:13:32,720 Speaker 5: going on? Why are you selling the house? 287 00:13:32,760 --> 00:13:35,040 Speaker 6: And you know, and so it was like not only 288 00:13:35,080 --> 00:13:39,480 Speaker 6: the worst time that I had, but also the most embarrassing, 289 00:13:39,880 --> 00:13:41,720 Speaker 6: but the most humbling, you know, and I'm happy it 290 00:13:41,800 --> 00:13:46,199 Speaker 6: happened because if you fast forward during that time, you know, 291 00:13:46,240 --> 00:13:48,120 Speaker 6: I kind of like I ate humble pie. I said, 292 00:13:48,120 --> 00:13:49,800 Speaker 6: you know what, I need to go back to work. 293 00:13:50,040 --> 00:13:51,800 Speaker 6: And so, you know, good thing. I had a great 294 00:13:51,840 --> 00:13:55,360 Speaker 6: resume still, and so you know, I decided that, you know, 295 00:13:55,440 --> 00:14:00,720 Speaker 6: why struggle, right, why struggle unnecessarily decided to go back 296 00:14:00,760 --> 00:14:02,520 Speaker 6: to work. And so I, you know, got a got 297 00:14:02,960 --> 00:14:06,000 Speaker 6: a branch manager position at City Bank, managing one of 298 00:14:06,040 --> 00:14:10,120 Speaker 6: their branches in Harlem. Was making good money again, and 299 00:14:10,240 --> 00:14:13,680 Speaker 6: so you know, now I'm I'm living right like now, 300 00:14:13,760 --> 00:14:17,320 Speaker 6: we could afford the mortgage. But at the time, uh, 301 00:14:17,360 --> 00:14:20,440 Speaker 6: you know, fash out the President Obama had the Making 302 00:14:20,560 --> 00:14:24,560 Speaker 6: Home Affordable program and so we you know, we're in 303 00:14:24,600 --> 00:14:27,920 Speaker 6: a short short sell we qualify, and so we applied 304 00:14:27,960 --> 00:14:30,840 Speaker 6: for it. And what what what essentially what it did 305 00:14:31,040 --> 00:14:34,800 Speaker 6: was anybody who had a mortgage that was underwater, Uh, 306 00:14:34,840 --> 00:14:38,000 Speaker 6: they would they would if you qualify, they would recalibrate 307 00:14:38,040 --> 00:14:41,800 Speaker 6: the loan so that you would now, uh they would 308 00:14:41,840 --> 00:14:45,040 Speaker 6: forgive you for the excess amount. Right, And so you know, 309 00:14:45,080 --> 00:14:46,640 Speaker 6: at the time, let's say, you know, my mortgage was 310 00:14:46,680 --> 00:14:50,920 Speaker 6: four hundred and seven thousand, got rid of the excess, 311 00:14:51,120 --> 00:14:54,080 Speaker 6: you know, one fifty and so now you know, my 312 00:14:54,160 --> 00:14:57,320 Speaker 6: mortgage is now two hundred and fifty thousand, and so 313 00:14:58,000 --> 00:15:00,240 Speaker 6: you know, you know, now I have a job, you know, 314 00:15:00,440 --> 00:15:03,200 Speaker 6: you know, making making money again. And so my mortgage 315 00:15:03,200 --> 00:15:06,360 Speaker 6: payment went went from close to three thousand dollars to 316 00:15:06,480 --> 00:15:09,080 Speaker 6: now like twelve hundred dollars or eleven hundred something somewhere 317 00:15:09,120 --> 00:15:12,480 Speaker 6: along those lines. And the great thing that happened with 318 00:15:12,520 --> 00:15:16,080 Speaker 6: that was we had a two family house, and you know, 319 00:15:16,120 --> 00:15:17,720 Speaker 6: my mother in law was staying with us, and so 320 00:15:17,920 --> 00:15:21,680 Speaker 6: now once we went through the whole short cell process, 321 00:15:21,720 --> 00:15:24,480 Speaker 6: she decided to move out. And so we also you know, 322 00:15:24,640 --> 00:15:29,560 Speaker 6: now when the when the home was was was refinance 323 00:15:29,760 --> 00:15:31,880 Speaker 6: or or when they when they redid the loan. We're 324 00:15:31,920 --> 00:15:34,600 Speaker 6: now paying a two hundred and fifty thousand dollars loan. 325 00:15:35,000 --> 00:15:38,040 Speaker 6: Plus we have an apartment downstairs that we could rent out. 326 00:15:38,640 --> 00:15:40,880 Speaker 6: And so it was a double blessing, right, so now 327 00:15:40,920 --> 00:15:42,160 Speaker 6: we were able to save the home. 328 00:15:42,680 --> 00:15:43,880 Speaker 5: We could afford the mortgage. 329 00:15:43,880 --> 00:15:46,720 Speaker 6: But now we found a tenant, someone to live in 330 00:15:46,760 --> 00:15:49,080 Speaker 6: the home, and they were they were paying us eleven 331 00:15:49,120 --> 00:15:53,520 Speaker 6: hundred dollars in rent, and so you know, this, this curse, right, 332 00:15:53,560 --> 00:15:56,360 Speaker 6: this thing that was almost the worst thing that could 333 00:15:56,360 --> 00:15:58,720 Speaker 6: have ever happened to us, wound up being a blessing 334 00:15:58,800 --> 00:16:02,880 Speaker 6: because our you know, out of pocket expense for the 335 00:16:02,920 --> 00:16:05,560 Speaker 6: mortgage was less than one hundred dollars one hundred and 336 00:16:05,560 --> 00:16:07,760 Speaker 6: two hundred dollars and I was it. And so the 337 00:16:07,760 --> 00:16:10,800 Speaker 6: money that we would have spent on uh or we 338 00:16:10,800 --> 00:16:13,600 Speaker 6: would have used on the mortgage, we're now able to 339 00:16:13,680 --> 00:16:16,640 Speaker 6: save and start to rebuild our our account. 340 00:16:17,240 --> 00:16:18,840 Speaker 2: I mean, that's the key difference. The fact that you 341 00:16:18,920 --> 00:16:21,280 Speaker 2: guys had invested in a two family homes so you 342 00:16:21,320 --> 00:16:23,200 Speaker 2: had the ability to rent it. Because like, at the 343 00:16:23,200 --> 00:16:26,480 Speaker 2: same time home values were dropping, demand for rent was 344 00:16:26,480 --> 00:16:27,000 Speaker 2: going up. 345 00:16:27,520 --> 00:16:28,840 Speaker 4: So shout out, let's pour. 346 00:16:28,720 --> 00:16:32,040 Speaker 2: One out for the home Affordable Modification Plan, which was 347 00:16:32,080 --> 00:16:33,520 Speaker 2: the program you guys took advantage of. 348 00:16:33,640 --> 00:16:36,120 Speaker 4: It's no longer offered, but let's pour one out for it. 349 00:16:36,760 --> 00:16:38,720 Speaker 2: Thank god, you guys took advantage of it when you did, 350 00:16:38,720 --> 00:16:41,280 Speaker 2: because that was, you know, a huge game changer. 351 00:16:41,800 --> 00:16:43,160 Speaker 5: Yeah, no, absolutely, and it was. 352 00:16:43,200 --> 00:16:44,600 Speaker 6: It was it was like a you know, at first, 353 00:16:44,640 --> 00:16:46,640 Speaker 6: we were like, man, this is too good to be true, 354 00:16:47,040 --> 00:16:50,120 Speaker 6: but no, we accepted the blessing you know, you know, 355 00:16:50,160 --> 00:16:52,760 Speaker 6: I ate my humble pie learned from it and it 356 00:16:52,800 --> 00:16:56,320 Speaker 6: really made me appreciate or that's what opened my eyes 357 00:16:57,280 --> 00:17:00,680 Speaker 6: to you know, residual income and have your money work 358 00:17:00,760 --> 00:17:03,440 Speaker 6: for you because you know, again you know having that. 359 00:17:03,760 --> 00:17:06,240 Speaker 6: I mean, it wasn't really foresight, but you know, for us, 360 00:17:06,400 --> 00:17:08,440 Speaker 6: it was more about you know, babysitting. We were like, 361 00:17:08,440 --> 00:17:10,720 Speaker 6: all right, let's get this two family house so you know, 362 00:17:10,800 --> 00:17:12,760 Speaker 6: mother in law can stay with us, could help us 363 00:17:12,800 --> 00:17:15,560 Speaker 6: out when we need, you know, when we need babysitting. 364 00:17:16,000 --> 00:17:19,000 Speaker 6: But it actually wound up you know, helping us because 365 00:17:19,040 --> 00:17:22,000 Speaker 6: that extra that extra apartment, you know, allowed us to 366 00:17:22,320 --> 00:17:25,200 Speaker 6: create a source of a source of income. And so 367 00:17:25,400 --> 00:17:28,320 Speaker 6: now we weren't only relying on our physical labor, but 368 00:17:28,359 --> 00:17:31,600 Speaker 6: we were actually relying on you know, you know, uh, 369 00:17:31,720 --> 00:17:34,040 Speaker 6: residual income through through rental payments. 370 00:17:35,680 --> 00:17:36,200 Speaker 1: That's awesome. 371 00:17:36,200 --> 00:17:38,320 Speaker 3: It's a way to turn something that could have been 372 00:17:38,520 --> 00:17:41,720 Speaker 3: like the worst possible thing into something that end up 373 00:17:41,760 --> 00:17:44,719 Speaker 3: being like a positive change for you and your family. 374 00:17:45,200 --> 00:17:48,560 Speaker 2: Absolutely, absolutely, I was gonna say, you've dodged this bullet, 375 00:17:48,760 --> 00:17:51,200 Speaker 2: You've saved your home. You guys are in good shape. 376 00:17:51,200 --> 00:17:54,000 Speaker 2: You have rent you have rental income coming in your mortgage, 377 00:17:54,119 --> 00:17:56,919 Speaker 2: Like you know, your share of the mortgage is shrinking. 378 00:17:57,440 --> 00:18:01,280 Speaker 2: You're back to launching your own business. Can you talk 379 00:18:01,320 --> 00:18:05,480 Speaker 2: about sort of the the years following the loan modification 380 00:18:05,520 --> 00:18:07,000 Speaker 2: when you were getting back on your feet? 381 00:18:07,480 --> 00:18:10,720 Speaker 6: Yeah, absolutely so, so you know through you know, after 382 00:18:10,800 --> 00:18:12,960 Speaker 6: that happened again. You know, I you know, a couple 383 00:18:13,000 --> 00:18:16,720 Speaker 6: of things happened. Right first, I realized that the reason 384 00:18:16,840 --> 00:18:19,960 Speaker 6: why I needed the humble myself was because I was 385 00:18:19,960 --> 00:18:22,480 Speaker 6: making it about me. Uh when when when I when 386 00:18:22,520 --> 00:18:25,840 Speaker 6: I came, when I started to my journey of personal 387 00:18:25,880 --> 00:18:29,760 Speaker 6: finance and teaching about financial education, it felt good helping people, 388 00:18:29,800 --> 00:18:32,720 Speaker 6: helping people manage their money, helping people learn how to 389 00:18:33,160 --> 00:18:34,600 Speaker 6: uh you know, be better stewards of. 390 00:18:34,560 --> 00:18:36,159 Speaker 5: Their money and change their mindset. 391 00:18:36,760 --> 00:18:39,119 Speaker 6: And but but the moment where I started getting a 392 00:18:39,119 --> 00:18:42,119 Speaker 6: little notoriety, getting a little fame, I started making it 393 00:18:42,119 --> 00:18:44,800 Speaker 6: about me. And that's when, you know, the rug got 394 00:18:44,800 --> 00:18:48,000 Speaker 6: pulled over from under my legs. But now I realized 395 00:18:48,040 --> 00:18:49,760 Speaker 6: my second go round, it was like, you know what, 396 00:18:49,880 --> 00:18:50,840 Speaker 6: this is not about you. 397 00:18:51,200 --> 00:18:53,880 Speaker 5: Uh, you know now that you have this new added you. 398 00:18:53,840 --> 00:18:57,080 Speaker 6: Know, humbleness, but this this story, this uh, this this 399 00:18:57,200 --> 00:19:00,640 Speaker 6: obstacle that you overcame. Now now you're able to use 400 00:19:00,720 --> 00:19:05,240 Speaker 6: that to help people even further and full disclosure. Tiffany 401 00:19:05,280 --> 00:19:07,280 Speaker 6: you know this already, but I'll but I'll say it again. 402 00:19:08,040 --> 00:19:11,199 Speaker 6: You know, it was actually Tiffany who gave me the 403 00:19:11,240 --> 00:19:15,160 Speaker 6: courage to even have a conversation about about this because 404 00:19:15,440 --> 00:19:17,439 Speaker 6: for a long time when I was you know, you know, 405 00:19:17,520 --> 00:19:18,920 Speaker 6: I never spoke about it. 406 00:19:19,160 --> 00:19:21,480 Speaker 5: You know, we're still doing my speak speaking engagements. 407 00:19:21,480 --> 00:19:24,000 Speaker 6: I was still going out there, you know, not pretending 408 00:19:24,040 --> 00:19:27,199 Speaker 6: that everything was okay. But I just was omitting the 409 00:19:27,240 --> 00:19:29,720 Speaker 6: fact that I, you know, that I understood where people 410 00:19:29,720 --> 00:19:33,080 Speaker 6: were coming from from a foreclosure perspective. And I remember 411 00:19:33,119 --> 00:19:36,000 Speaker 6: one time, just you know, listening to Tiffany you know, 412 00:19:36,119 --> 00:19:38,640 Speaker 6: on on a on a on a video chat, and 413 00:19:38,680 --> 00:19:41,200 Speaker 6: she started, you know, talking about how she was going 414 00:19:41,240 --> 00:19:43,920 Speaker 6: through foreclosure and you know, lost her home. 415 00:19:43,960 --> 00:19:45,840 Speaker 1: And I was like, way, I'm like, I remember you 416 00:19:45,880 --> 00:19:46,360 Speaker 1: hit me out. 417 00:19:46,440 --> 00:19:49,959 Speaker 6: You're like, I was like, yo, you the budget niea 418 00:19:50,119 --> 00:19:51,159 Speaker 6: like how you how you. 419 00:19:51,840 --> 00:19:53,280 Speaker 5: Stilling all the tea? You know. 420 00:19:54,920 --> 00:19:58,160 Speaker 6: But but I but I realized, you know, that transparency 421 00:19:58,400 --> 00:20:02,400 Speaker 6: was what uh Ma is what made people and continues 422 00:20:02,480 --> 00:20:04,800 Speaker 6: to make people fall in love with her and her 423 00:20:04,840 --> 00:20:07,679 Speaker 6: message and so from that point on, I was like, 424 00:20:07,720 --> 00:20:09,960 Speaker 6: you know what, I'm actually gonna be more transparent. 425 00:20:10,400 --> 00:20:11,320 Speaker 5: Uh and and and the. 426 00:20:11,400 --> 00:20:14,400 Speaker 6: Honest truth was the moment I started to add that 427 00:20:14,480 --> 00:20:17,520 Speaker 6: as part of my story. It now sort of like, 428 00:20:17,880 --> 00:20:20,320 Speaker 6: you know, broke down a wall, right, because before I 429 00:20:20,359 --> 00:20:22,760 Speaker 6: was going in there as you know, the guy who 430 00:20:23,160 --> 00:20:24,919 Speaker 6: you know grew up in the hood and you know, 431 00:20:25,040 --> 00:20:28,360 Speaker 6: started worked in banking and became a successful banker. And 432 00:20:28,400 --> 00:20:29,960 Speaker 6: that was the end of the story. And now I'm 433 00:20:30,000 --> 00:20:31,720 Speaker 6: teaching you how to change, you know, how to get 434 00:20:31,720 --> 00:20:34,240 Speaker 6: out of your circumstance. But you know, now a story 435 00:20:34,680 --> 00:20:37,399 Speaker 6: she shifted from this guy who grew up in the 436 00:20:37,440 --> 00:20:41,359 Speaker 6: hood became a successful banker and then you know, ruined 437 00:20:41,400 --> 00:20:44,840 Speaker 6: his credit, ruined his uh you know, ruined his almost 438 00:20:44,920 --> 00:20:48,400 Speaker 6: ruined his life financial life by you know, by by 439 00:20:48,440 --> 00:20:49,880 Speaker 6: not making the right decisions. 440 00:20:49,920 --> 00:20:52,000 Speaker 5: And so started sharing that story. 441 00:20:52,840 --> 00:20:56,600 Speaker 6: You know, now that you know, we have the extra income, uh, 442 00:20:56,680 --> 00:20:59,280 Speaker 6: you know, from not having to pay a mortgage, you know, 443 00:20:59,320 --> 00:21:03,120 Speaker 6: we're saving more, we're investing more, we're you know, we're 444 00:21:03,359 --> 00:21:06,520 Speaker 6: buying other properties, right and so now we are realizing 445 00:21:06,960 --> 00:21:09,520 Speaker 6: the power of real estate, and so we you know, 446 00:21:09,520 --> 00:21:14,919 Speaker 6: we're buying you know, you know, income producing properties. You know, 447 00:21:14,960 --> 00:21:19,080 Speaker 6: my businesses is flourishing. I'm writing books and so by 448 00:21:19,119 --> 00:21:22,080 Speaker 6: that time, so two thousand and nine, I wrote my 449 00:21:22,160 --> 00:21:25,000 Speaker 6: first book. By twenty thirteen, I want to say, I 450 00:21:25,000 --> 00:21:27,800 Speaker 6: had three books, which is uh, you know, I had 451 00:21:27,880 --> 00:21:29,760 Speaker 6: Tailors a Way, which is a book I wrote with 452 00:21:29,760 --> 00:21:32,359 Speaker 6: my daughter, life lessons Learned through the eyes of a 453 00:21:32,359 --> 00:21:35,399 Speaker 6: three year old. But then I wrote What the Fico, 454 00:21:35,520 --> 00:21:37,960 Speaker 6: which was one of my which is still one of 455 00:21:37,960 --> 00:21:39,000 Speaker 6: my best selling books. 456 00:21:39,359 --> 00:21:41,480 Speaker 5: What the FIGHTO. Twelve steps are repairing your credit. 457 00:21:42,200 --> 00:21:44,880 Speaker 6: And so from there my business just started to take 458 00:21:44,920 --> 00:21:47,359 Speaker 6: off in such a way where you know, I have 459 00:21:47,600 --> 00:21:51,720 Speaker 6: income coming from our primary residents because we're renting that out. 460 00:21:52,200 --> 00:21:54,359 Speaker 6: We had one more, you know, one other property I 461 00:21:54,440 --> 00:21:57,640 Speaker 6: was a co op that we're getting income from we 462 00:21:57,720 --> 00:21:59,920 Speaker 6: have you know, my wife and I you know have 463 00:22:00,240 --> 00:22:04,040 Speaker 6: that We had our you know, my books were making money. 464 00:22:04,080 --> 00:22:07,000 Speaker 6: I was traveling from a speaking you know, making steady 465 00:22:07,000 --> 00:22:10,680 Speaker 6: income from speaking, and so I decided to take another 466 00:22:10,760 --> 00:22:13,879 Speaker 6: leap and decided, you know, after the credit union. 467 00:22:14,760 --> 00:22:16,440 Speaker 5: You know, it was a great opportunity. 468 00:22:16,480 --> 00:22:18,600 Speaker 6: I was, I want to say, one of the youngest 469 00:22:18,920 --> 00:22:22,080 Speaker 6: CEOs of a federally charted bank at the time, I 470 00:22:22,119 --> 00:22:25,399 Speaker 6: was thirty two. Yeah, thirty two at the time. But 471 00:22:25,480 --> 00:22:29,120 Speaker 6: after that decided to jump out the window again, not literally, 472 00:22:29,160 --> 00:22:32,399 Speaker 6: but you know, take a leap of faith and started 473 00:22:32,400 --> 00:22:34,679 Speaker 6: to started my business. And then you know, now was 474 00:22:34,760 --> 00:22:37,199 Speaker 6: it was uh, it was it was, it worked, it 475 00:22:37,240 --> 00:22:37,920 Speaker 6: was more steady. 476 00:22:38,000 --> 00:22:38,200 Speaker 5: Right. 477 00:22:38,680 --> 00:22:40,400 Speaker 6: One of the things I want to point out for 478 00:22:40,400 --> 00:22:43,200 Speaker 6: for for everybody, for the listeners, is that I believe 479 00:22:43,280 --> 00:22:46,640 Speaker 6: that the second time around, uh, the reason why it 480 00:22:46,800 --> 00:22:49,920 Speaker 6: was more successful, I was more successful as an entrepreneur 481 00:22:50,560 --> 00:22:52,280 Speaker 6: was because I took care of the basics. 482 00:22:53,240 --> 00:22:53,480 Speaker 5: You know. 483 00:22:53,720 --> 00:22:56,600 Speaker 6: The first time around, I was you know, I jumped 484 00:22:56,760 --> 00:22:59,000 Speaker 6: with a leap in a prayer, right, I didn't I 485 00:22:59,000 --> 00:23:02,880 Speaker 6: didn't really properly plan. I didn't have enough money saved up, 486 00:23:03,280 --> 00:23:05,680 Speaker 6: uh to take care of my you know, my my my, 487 00:23:05,680 --> 00:23:09,360 Speaker 6: my basic necessities. And so not being able to take 488 00:23:09,359 --> 00:23:12,480 Speaker 6: care of the basic necessities had me uh, you know, 489 00:23:12,560 --> 00:23:16,560 Speaker 6: had me worrying. And and that space in my mind too. Uh, 490 00:23:16,760 --> 00:23:18,560 Speaker 6: I didn't have enough space to flourish. I didn't have 491 00:23:18,640 --> 00:23:22,320 Speaker 6: enough space to be an entrepreneur. Uh and and and 492 00:23:22,320 --> 00:23:24,640 Speaker 6: and fully developed my business the way I want to 493 00:23:24,880 --> 00:23:28,040 Speaker 6: because I was worrying about the basics. Uh, this time around, 494 00:23:28,119 --> 00:23:30,919 Speaker 6: you know, I had the basics covered right, my my shelter, food, 495 00:23:31,240 --> 00:23:32,680 Speaker 6: you know, I knew how my daughter was going to 496 00:23:32,720 --> 00:23:33,280 Speaker 6: go to school. 497 00:23:33,520 --> 00:23:35,359 Speaker 5: You know, all the basics were covered. 498 00:23:35,800 --> 00:23:37,640 Speaker 6: And so now when I when I decided to become 499 00:23:37,640 --> 00:23:40,720 Speaker 6: an entrepreneur, it freed up so much space in my 500 00:23:40,800 --> 00:23:43,320 Speaker 6: mind right. And that's why I always talk about mind right, 501 00:23:43,359 --> 00:23:45,800 Speaker 6: money right, mind right, life right. If your mind is right, 502 00:23:46,359 --> 00:23:48,920 Speaker 6: it allows you to do other things. And so yeah, 503 00:23:48,960 --> 00:23:51,800 Speaker 6: I you know it was was was able to become 504 00:23:51,840 --> 00:23:54,760 Speaker 6: a full time entrepreneur, and you know, have been been 505 00:23:54,760 --> 00:23:55,879 Speaker 6: on that journey ever since. 506 00:23:56,560 --> 00:23:58,680 Speaker 2: Well, let's take a quick break and then I want 507 00:23:58,680 --> 00:24:02,040 Speaker 2: to come back and hear a about how one day 508 00:24:02,119 --> 00:24:04,639 Speaker 2: you had a fateful knock on the door of the 509 00:24:04,680 --> 00:24:07,400 Speaker 2: house that you saved from foreclosure and decided to sell. 510 00:24:08,119 --> 00:24:28,800 Speaker 2: We'll take a quick break and come back with ashcashow Ash. 511 00:24:28,880 --> 00:24:31,760 Speaker 1: This is the part that's really fascinating because it sounds. 512 00:24:31,560 --> 00:24:33,679 Speaker 3: Very Oprah esque. I don't know if you know, but 513 00:24:34,000 --> 00:24:38,080 Speaker 3: my auntie Oprah, when she bought her ranch in mont Pecito, 514 00:24:38,119 --> 00:24:42,280 Speaker 3: it's a California she that house was not for sale. 515 00:24:42,760 --> 00:24:45,280 Speaker 3: Oprah was like, yeah, cute, but I want it. And 516 00:24:45,400 --> 00:24:48,760 Speaker 3: so she knocked on the family's door, or I'm sure 517 00:24:48,800 --> 00:24:51,840 Speaker 3: her representatives did, and said, Oprah wants to buy your house. 518 00:24:52,560 --> 00:24:53,600 Speaker 3: And they were. 519 00:24:53,480 --> 00:24:56,959 Speaker 1: Of course like yes, because you know, she made them 520 00:24:56,960 --> 00:24:59,399 Speaker 1: an offer that they could not refuse. And that happened 521 00:24:59,400 --> 00:24:59,560 Speaker 1: to you. 522 00:24:59,640 --> 00:25:03,399 Speaker 3: It was Oprah, but it was someone who was willing 523 00:25:03,400 --> 00:25:05,200 Speaker 3: to pay you a good amount of money. 524 00:25:05,240 --> 00:25:08,399 Speaker 6: Tell us about that day, man, So you know, the 525 00:25:08,600 --> 00:25:11,520 Speaker 6: the house continues to be continue to be a blessing. 526 00:25:12,040 --> 00:25:12,159 Speaker 5: Uh. 527 00:25:12,240 --> 00:25:14,920 Speaker 6: You know, one day, you know, I'm getting my daughter, 528 00:25:15,119 --> 00:25:17,680 Speaker 6: you know, ready for school, and we're on our way 529 00:25:17,680 --> 00:25:20,280 Speaker 6: out and there's this guy, you know, going daughter door, 530 00:25:20,320 --> 00:25:24,880 Speaker 6: knocking on people's door, and he's, you know, just introducing himself. 531 00:25:25,200 --> 00:25:27,439 Speaker 6: And so as I'm about to leave the house, I 532 00:25:27,440 --> 00:25:29,840 Speaker 6: see him. He's walking up to me and. 533 00:25:29,760 --> 00:25:31,600 Speaker 5: So now you know, I you know, we we we 534 00:25:32,119 --> 00:25:33,080 Speaker 5: make eye contact. 535 00:25:33,119 --> 00:25:34,680 Speaker 6: And the first thing, It's funny, the first thing I 536 00:25:35,240 --> 00:25:37,960 Speaker 6: saw was his suit, right, He had a nice suit on. 537 00:25:38,080 --> 00:25:40,359 Speaker 6: It was you know, nice and polish. And I was like, hey, 538 00:25:40,400 --> 00:25:42,960 Speaker 6: that's a nice suit, brother, and he was like, you know, 539 00:25:43,080 --> 00:25:48,440 Speaker 6: thank you. And I automatically thought that he was a politician, right, 540 00:25:48,480 --> 00:25:50,359 Speaker 6: because you know, in my neighborhood. It's a you know, 541 00:25:50,359 --> 00:25:51,840 Speaker 6: it was a middle class neighborhood. 542 00:25:51,920 --> 00:25:53,040 Speaker 5: A lot of you know a. 543 00:25:52,960 --> 00:25:55,840 Speaker 6: Lot of politicians come over around election times to introduce 544 00:25:55,880 --> 00:25:58,960 Speaker 6: themselves and you know, ask us, you know, how things 545 00:25:59,000 --> 00:26:01,199 Speaker 6: are going, and you know, want in our votes and stuff, 546 00:26:01,800 --> 00:26:04,520 Speaker 6: and so, you know, the gentleman said to me, he said, hey, 547 00:26:05,280 --> 00:26:07,520 Speaker 6: if I can get you top dollar for your home, 548 00:26:07,560 --> 00:26:11,119 Speaker 6: would you sell? And you know, I looked and I 549 00:26:11,160 --> 00:26:14,360 Speaker 6: was like, nah, you know, we had no intention of selling, 550 00:26:14,400 --> 00:26:17,880 Speaker 6: no intentions of moving, and so we you know, I 551 00:26:17,920 --> 00:26:20,760 Speaker 6: you know, I politely declined, was like, nah, you know, 552 00:26:20,800 --> 00:26:22,960 Speaker 6: we're not thinking about you know, selling anything like that. 553 00:26:23,600 --> 00:26:24,480 Speaker 5: He gave me his card. 554 00:26:24,480 --> 00:26:25,840 Speaker 6: He said, if you ever, you know, if you know 555 00:26:25,880 --> 00:26:29,400 Speaker 6: anybody who's selling or anything like that, you know, definitely 556 00:26:29,440 --> 00:26:30,120 Speaker 6: give me a call. 557 00:26:30,560 --> 00:26:31,720 Speaker 5: I was like, perfect, we'll do. 558 00:26:32,160 --> 00:26:35,520 Speaker 6: Drop my daughter off the school, came back home, bump, 559 00:26:35,600 --> 00:26:37,720 Speaker 6: you know, saw my wife and I said, hey, baby, 560 00:26:37,800 --> 00:26:38,360 Speaker 6: let me you. 561 00:26:38,280 --> 00:26:41,080 Speaker 5: Know, this guy just walked up. He gave us this card. 562 00:26:41,119 --> 00:26:43,680 Speaker 6: He asked, you know, if we were interested in selling 563 00:26:43,680 --> 00:26:46,040 Speaker 6: at home. And so we both looked at each other 564 00:26:46,119 --> 00:26:48,200 Speaker 6: and we were like, you know what the house next 565 00:26:48,200 --> 00:26:51,520 Speaker 6: door was on you know, was was on sale i 566 00:26:51,560 --> 00:26:54,639 Speaker 6: want to say, nine ten months and it never sold. 567 00:26:54,640 --> 00:26:56,520 Speaker 6: Like people would go in there, people would look at 568 00:26:56,560 --> 00:26:58,080 Speaker 6: the house, but it never sold, never sold. 569 00:26:58,520 --> 00:27:00,640 Speaker 5: And we were like, man, this house is just too high. 570 00:27:00,680 --> 00:27:03,199 Speaker 6: I'm like, there's no way you know that they're going 571 00:27:03,240 --> 00:27:06,440 Speaker 6: to sell the house for what they wanted because it 572 00:27:06,560 --> 00:27:08,439 Speaker 6: was you know, it was also a two family but 573 00:27:08,480 --> 00:27:10,760 Speaker 6: they didn't have an attic like we had an attic, right, 574 00:27:11,240 --> 00:27:14,200 Speaker 6: and so they only had you know, like two bedrooms downstairs. 575 00:27:14,600 --> 00:27:16,600 Speaker 6: We had just put a you know, put some money 576 00:27:16,640 --> 00:27:18,919 Speaker 6: into the house. We had an attic, and because my 577 00:27:19,000 --> 00:27:21,560 Speaker 6: son was just born. My son is three now, but 578 00:27:21,600 --> 00:27:23,600 Speaker 6: he was you know, he was when he was like 579 00:27:23,640 --> 00:27:25,320 Speaker 6: one years old, we were like, you know what we 580 00:27:25,320 --> 00:27:28,159 Speaker 6: need to start, you know, making more room. And so 581 00:27:28,359 --> 00:27:30,760 Speaker 6: we took the attic and we redid the whole attict. 582 00:27:30,760 --> 00:27:33,879 Speaker 6: We put about thirty thousand dollars into the home. We 583 00:27:34,240 --> 00:27:38,200 Speaker 6: created two new bedrooms upstairs, we created you know, we 584 00:27:38,440 --> 00:27:39,840 Speaker 6: created it into a duplex. 585 00:27:39,960 --> 00:27:40,080 Speaker 5: Right. 586 00:27:40,160 --> 00:27:42,879 Speaker 6: So it went from being a two family home with 587 00:27:43,200 --> 00:27:46,240 Speaker 6: a two bedroom, one bath upstairs and a one bedroom, 588 00:27:46,280 --> 00:27:48,919 Speaker 6: one bath downstairs, and now we upgraded it to a 589 00:27:48,960 --> 00:27:51,800 Speaker 6: four bedroom, one bath, and so my wife and I said, 590 00:27:51,800 --> 00:27:53,919 Speaker 6: you know what, we should just put this house on 591 00:27:53,960 --> 00:27:57,000 Speaker 6: the market to see what happens, to see how much, 592 00:27:57,720 --> 00:28:00,560 Speaker 6: you know, we'll get offered for it, especially with this 593 00:28:00,600 --> 00:28:01,720 Speaker 6: new addition that we made. 594 00:28:02,280 --> 00:28:03,880 Speaker 5: So we put the house uh. 595 00:28:03,720 --> 00:28:06,320 Speaker 6: You know, you know, on on on on the market 596 00:28:06,400 --> 00:28:09,960 Speaker 6: and didn't really think anything was gonna happen. Within six 597 00:28:10,080 --> 00:28:13,800 Speaker 6: days we got to offer for exactly what we were 598 00:28:13,800 --> 00:28:17,280 Speaker 6: looking looking for. And just to kind of you know, uh, 599 00:28:17,320 --> 00:28:20,080 Speaker 6: you know, give you give your perspective was that we 600 00:28:20,680 --> 00:28:23,080 Speaker 6: uh you know, the house was was was was uh 601 00:28:23,359 --> 00:28:26,800 Speaker 6: you know, uh modified for two hundred and fifty thousand dollars. 602 00:28:27,080 --> 00:28:30,480 Speaker 6: But throughout the years our equity started to increase. Now 603 00:28:30,720 --> 00:28:33,080 Speaker 6: and so now the house was worth you know, in 604 00:28:33,400 --> 00:28:36,399 Speaker 6: the four hundred range. And then now because we added 605 00:28:36,400 --> 00:28:38,520 Speaker 6: that addition, we said, you know what, we're gonna sell 606 00:28:38,560 --> 00:28:42,920 Speaker 6: the house of four forty and six days later we 607 00:28:42,960 --> 00:28:45,080 Speaker 6: got to offer for for four hundred and. 608 00:28:45,120 --> 00:28:47,840 Speaker 5: Forty thousand, exactly you know what we asked for. 609 00:28:48,600 --> 00:28:50,680 Speaker 6: And it was a blessing, right because when you think 610 00:28:50,720 --> 00:28:53,920 Speaker 6: about it, you know, we had the low modification and 611 00:28:54,000 --> 00:28:56,640 Speaker 6: so now the house was underwater and then now we 612 00:28:56,640 --> 00:28:59,400 Speaker 6: were we were made right. But now you know, we're 613 00:28:59,400 --> 00:29:02,080 Speaker 6: at a space where we're looking at, you know, coming 614 00:29:02,160 --> 00:29:05,320 Speaker 6: up with with you know, a six figure check to sell, 615 00:29:05,480 --> 00:29:08,840 Speaker 6: to sell this home, pay off our mortgage, and you know, 616 00:29:08,880 --> 00:29:10,920 Speaker 6: figure out what we want to do if we decided 617 00:29:10,960 --> 00:29:13,280 Speaker 6: to move. And my wife, you know, my wife has 618 00:29:13,320 --> 00:29:16,080 Speaker 6: family in the South, has always talked about you know, 619 00:29:16,240 --> 00:29:18,800 Speaker 6: you know, moving down south, and so we said, you 620 00:29:18,840 --> 00:29:21,320 Speaker 6: know what, maybe we should we should kind of take 621 00:29:21,360 --> 00:29:23,280 Speaker 6: a look at this, maybe we should take this seriously. 622 00:29:23,920 --> 00:29:26,040 Speaker 6: And we decided to take a trip down to you know, 623 00:29:26,080 --> 00:29:28,440 Speaker 6: it was two options. We were either gonna you know, 624 00:29:28,600 --> 00:29:32,520 Speaker 6: go to Atlanta or Charlotte. And you know, you know, 625 00:29:32,640 --> 00:29:36,160 Speaker 6: one of the great things about being an entrepreneur and 626 00:29:36,440 --> 00:29:39,080 Speaker 6: being at this space of my life was that, you know, 627 00:29:39,160 --> 00:29:42,840 Speaker 6: it didn't really matter, you know, where I live, because 628 00:29:42,920 --> 00:29:47,280 Speaker 6: majority of my income was either from you know, working 629 00:29:47,320 --> 00:29:50,160 Speaker 6: remotely doing you know, writing articles, things of that nature. 630 00:29:50,680 --> 00:29:52,800 Speaker 6: But then also I travel a lot, you know, going 631 00:29:53,000 --> 00:29:55,320 Speaker 6: you know, traveling throughout the country. You know, I mainly 632 00:29:55,360 --> 00:29:59,240 Speaker 6: speak at colleges teaching financial education, and so it didn't 633 00:29:59,240 --> 00:30:02,040 Speaker 6: really matter, you know, where I lived. And my wife 634 00:30:02,080 --> 00:30:04,720 Speaker 6: is an HR consultant, so she was working from home 635 00:30:04,760 --> 00:30:06,320 Speaker 6: as well, and so we were like, why are we 636 00:30:06,480 --> 00:30:09,280 Speaker 6: paying all this money in New York when we don't 637 00:30:09,320 --> 00:30:12,520 Speaker 6: have to be here? Long story short, we went to Atlanta, 638 00:30:13,360 --> 00:30:15,760 Speaker 6: you know, spent the week there, was looking at the 639 00:30:16,600 --> 00:30:20,880 Speaker 6: amount of square footage we can get for lessing with 640 00:30:21,040 --> 00:30:23,680 Speaker 6: the house, you know what we were paying in New York, 641 00:30:24,400 --> 00:30:25,760 Speaker 6: and it was sort of like a no brainer, and 642 00:30:25,800 --> 00:30:29,480 Speaker 6: so we decided to make the move. Not nothing planned. 643 00:30:30,000 --> 00:30:33,600 Speaker 6: We literally we sold the house in so let me 644 00:30:33,600 --> 00:30:38,280 Speaker 6: tell you the timeline. We sold the house September twelfth, Right, so, 645 00:30:38,320 --> 00:30:41,640 Speaker 6: September twelfth, we sold the house. September thirteenth, we're on 646 00:30:41,640 --> 00:30:45,880 Speaker 6: the road down to Atlanta. It was a thirteen hour trip. 647 00:30:45,920 --> 00:30:49,600 Speaker 6: We stopped one time. So we got down there September fourteenth. 648 00:30:49,840 --> 00:30:52,080 Speaker 6: We stayed in the airbnb as we were looking for 649 00:30:52,120 --> 00:30:55,720 Speaker 6: different homes. We closed on a new home in October. 650 00:30:55,840 --> 00:30:58,959 Speaker 6: So a month later were closing a new home. And 651 00:30:59,000 --> 00:31:02,400 Speaker 6: now we're living, Uh, we're living. We're living a good life. 652 00:31:02,560 --> 00:31:07,440 Speaker 2: I was gonna say that, but he's still very humble. 653 00:31:07,520 --> 00:31:09,720 Speaker 4: Universe don't don't Yeah, yeah, yes. 654 00:31:09,680 --> 00:31:13,840 Speaker 6: Universe, yes, Universe, you know, you know, please write the work. 655 00:31:14,080 --> 00:31:15,600 Speaker 6: You know I do put the people first, you know, 656 00:31:15,640 --> 00:31:18,240 Speaker 6: I still put the people first. Uh but yeah, but 657 00:31:18,240 --> 00:31:20,840 Speaker 6: but yeah, no, definitely living living a great, a great 658 00:31:20,840 --> 00:31:22,400 Speaker 6: life in the in in the South. 659 00:31:24,120 --> 00:31:25,960 Speaker 1: Had you like, did you you didn't have any family 660 00:31:25,960 --> 00:31:26,400 Speaker 1: down there? 661 00:31:27,040 --> 00:31:31,600 Speaker 6: No, no family, you know, I had, you know, some connections, 662 00:31:31,680 --> 00:31:35,240 Speaker 6: you know from the work I've done, you know, you know, 663 00:31:35,240 --> 00:31:37,360 Speaker 6: you can see your stats. And so Atlanta was my 664 00:31:37,720 --> 00:31:41,240 Speaker 6: second So New York, you know, obviously was my biggest market, 665 00:31:41,240 --> 00:31:43,840 Speaker 6: but but Atlanta was the second biggest market as far 666 00:31:43,880 --> 00:31:46,200 Speaker 6: as like followers and people who purchased, you know, who 667 00:31:46,240 --> 00:31:48,520 Speaker 6: support my business. And so that was one of the 668 00:31:48,560 --> 00:31:50,719 Speaker 6: reasons why I wasn't reluctant. I was like, you know what, 669 00:31:50,840 --> 00:31:52,640 Speaker 6: I'll you know, I'll figure it out, you know. And 670 00:31:52,800 --> 00:31:54,880 Speaker 6: and I and I knew, you know, uh, you know, 671 00:31:54,960 --> 00:31:58,680 Speaker 6: Atlanta is the real, the real Wakanda of the United States. 672 00:31:58,760 --> 00:31:58,920 Speaker 5: Right. 673 00:31:59,000 --> 00:32:01,480 Speaker 6: So like a lot of people, you know, a lot 674 00:32:01,480 --> 00:32:04,600 Speaker 6: of black and brown people are are you know, are 675 00:32:04,640 --> 00:32:07,640 Speaker 6: thriving in Atlanta. Uh, they work together and you know, 676 00:32:07,680 --> 00:32:09,840 Speaker 6: they work together. It's it's it's a lot of love. 677 00:32:10,680 --> 00:32:12,440 Speaker 6: And so that was one of the reasons I said, 678 00:32:12,440 --> 00:32:14,200 Speaker 6: you know what, let you know, it's I'm willing to 679 00:32:14,240 --> 00:32:14,920 Speaker 6: make that move. 680 00:32:15,480 --> 00:32:17,080 Speaker 5: And and and so far it's been working out. 681 00:32:18,080 --> 00:32:19,640 Speaker 4: We'll say hey to my hometown for me. 682 00:32:20,120 --> 00:32:22,719 Speaker 6: Hey, yeah, when I when I found out that you 683 00:32:22,720 --> 00:32:25,840 Speaker 6: were from the South man and and and and you're 684 00:32:25,840 --> 00:32:27,200 Speaker 6: in New York. And I'm not gonna rub it in. 685 00:32:27,280 --> 00:32:32,000 Speaker 6: You know, I'm not not gonna do that, right right, man, Dae, 686 00:32:32,000 --> 00:32:33,320 Speaker 6: I'm not gonna do that. I'm gonna rub it in. 687 00:32:33,400 --> 00:32:37,880 Speaker 6: But but you know what it's like, you know, like 688 00:32:37,960 --> 00:32:42,200 Speaker 6: you know that here is man, the cost of living 689 00:32:42,360 --> 00:32:42,960 Speaker 6: is awesome. 690 00:32:43,280 --> 00:32:47,080 Speaker 4: Whatever. Who needs in a two car garage? 691 00:32:47,160 --> 00:32:49,920 Speaker 1: Who needs that garage? 692 00:32:50,520 --> 00:32:50,600 Speaker 2: Like? 693 00:32:50,840 --> 00:32:51,080 Speaker 5: You know? 694 00:32:51,280 --> 00:32:55,520 Speaker 6: Like my like my my bathroom is the size of 695 00:32:55,520 --> 00:32:56,720 Speaker 6: of my old apartment. 696 00:32:56,800 --> 00:32:59,200 Speaker 1: You know what I'm saying. You know, it's like the backyard. 697 00:32:59,280 --> 00:33:01,360 Speaker 1: I mean right, I'm me can't in the backyard, do they? 698 00:33:01,400 --> 00:33:02,560 Speaker 1: I really think that's the overrated? 699 00:33:02,680 --> 00:33:04,680 Speaker 2: Who cares that your house is half as much as 700 00:33:04,720 --> 00:33:06,040 Speaker 2: mine and three times as big? 701 00:33:07,040 --> 00:33:07,400 Speaker 1: I don't. 702 00:33:07,840 --> 00:33:10,840 Speaker 2: I made my choices, and I'm so happy with them. 703 00:33:11,520 --> 00:33:14,800 Speaker 6: But whenever, and if you and if you want me 704 00:33:14,880 --> 00:33:17,320 Speaker 6: to have to talk, you know, you know I could, 705 00:33:17,360 --> 00:33:19,000 Speaker 6: I could talk to your husband and we could, you know, 706 00:33:19,040 --> 00:33:20,160 Speaker 6: we could kind of figure something out. 707 00:33:20,240 --> 00:33:22,080 Speaker 2: I'm saying because I've been saying, I'm married to a 708 00:33:22,160 --> 00:33:23,560 Speaker 2: New York or he's not gonna move. 709 00:33:23,640 --> 00:33:25,800 Speaker 4: But look at you. You're as New York as they come. 710 00:33:25,880 --> 00:33:27,560 Speaker 1: I mean as or as they come. 711 00:33:27,960 --> 00:33:30,600 Speaker 6: All I'm born and raised one hundred twenty nine Street, 712 00:33:30,640 --> 00:33:34,040 Speaker 6: eighth Avenue. Oh I say, I say all that. You 713 00:33:34,080 --> 00:33:35,960 Speaker 6: know what I'm saying, like like, yeah, I'm New York 714 00:33:36,000 --> 00:33:38,400 Speaker 6: as they come. But I think that you know, and 715 00:33:38,560 --> 00:33:39,920 Speaker 6: I'm I'm gonna tell you the secret. 716 00:33:39,920 --> 00:33:40,600 Speaker 5: What what what you? 717 00:33:40,680 --> 00:33:44,320 Speaker 6: What you have to do is y'all gotta just come 718 00:33:44,360 --> 00:33:46,440 Speaker 6: down here. Just sneak you know, just sneak down here, 719 00:33:46,600 --> 00:33:48,200 Speaker 6: Just come visit your family. 720 00:33:48,280 --> 00:33:48,880 Speaker 5: Do something. 721 00:33:48,960 --> 00:33:50,720 Speaker 2: He got married down there that didn't work. 722 00:33:51,120 --> 00:33:52,240 Speaker 1: But here's what it comes down to. 723 00:33:52,360 --> 00:33:53,680 Speaker 4: Here's the truth. Childcare. 724 00:33:53,800 --> 00:33:56,360 Speaker 2: So his mother is here and she you know, they're 725 00:33:56,400 --> 00:33:58,280 Speaker 2: going to be the primary grandparents. So I think when 726 00:33:58,320 --> 00:34:00,280 Speaker 2: you're having it's like you you you and your wife 727 00:34:00,320 --> 00:34:02,240 Speaker 2: stay close to home when you had a kid. And 728 00:34:02,280 --> 00:34:04,400 Speaker 2: I think a lot of people, like young couples, are 729 00:34:04,400 --> 00:34:06,520 Speaker 2: thinking the same thing. So for me, it's I would 730 00:34:06,520 --> 00:34:08,400 Speaker 2: save money by moving to the A, but I'm not 731 00:34:08,480 --> 00:34:09,680 Speaker 2: dropping my kids off my dad's house. 732 00:34:09,719 --> 00:34:10,279 Speaker 5: Are you kidding me? 733 00:34:10,320 --> 00:34:11,640 Speaker 4: They're gonna die? 734 00:34:12,280 --> 00:34:14,279 Speaker 2: Like, I'm trying to live up here where they have 735 00:34:14,480 --> 00:34:20,520 Speaker 2: you know, the Dominican grandmother. Well, so I'm gonna save 736 00:34:20,600 --> 00:34:22,960 Speaker 2: on childcare by staying here. But I get, you know, 737 00:34:22,960 --> 00:34:24,640 Speaker 2: it's you know, you have to balance those things. But 738 00:34:24,680 --> 00:34:26,879 Speaker 2: you bring up a really good point about the fact 739 00:34:26,880 --> 00:34:28,759 Speaker 2: that a lot of people, if you're working remotely, you 740 00:34:28,760 --> 00:34:32,080 Speaker 2: can work from anywhere. And you know, I'm not in 741 00:34:32,080 --> 00:34:34,200 Speaker 2: that situation right now, but there's people on my team 742 00:34:34,239 --> 00:34:38,120 Speaker 2: who work remote, and the opportunities are are out there 743 00:34:38,160 --> 00:34:40,480 Speaker 2: for people who work remote. Especially in this job market, 744 00:34:40,680 --> 00:34:42,480 Speaker 2: I feel like a lot of employers are having to 745 00:34:42,520 --> 00:34:47,000 Speaker 2: bend their own traditions or rules to give you know, 746 00:34:47,120 --> 00:34:50,719 Speaker 2: let people be independent, location independent because the market is 747 00:34:50,760 --> 00:34:53,600 Speaker 2: so hot and it's hard to find people for jobs today. 748 00:34:54,320 --> 00:34:56,080 Speaker 5: Right absolutely, I think that's a great point. 749 00:34:56,120 --> 00:34:59,000 Speaker 6: And then when you think about it, you know, you know, 750 00:34:59,360 --> 00:35:03,200 Speaker 6: the money that you have to command could be different 751 00:35:03,239 --> 00:35:06,600 Speaker 6: if you go to a place where the court, you know, 752 00:35:06,600 --> 00:35:09,040 Speaker 6: the cost of living is lower. Right So someone you 753 00:35:09,080 --> 00:35:12,040 Speaker 6: know from from an employer's perspective, you know, having that 754 00:35:12,120 --> 00:35:16,319 Speaker 6: flexibility allowing you know, employees to work remotely. But then 755 00:35:16,440 --> 00:35:20,239 Speaker 6: also if that employee understands, you know, you know, do 756 00:35:20,320 --> 00:35:22,720 Speaker 6: I have to be in in a in a major 757 00:35:22,800 --> 00:35:23,880 Speaker 6: metropolitan city. 758 00:35:24,080 --> 00:35:26,840 Speaker 5: Do I have to spend you know this this money, 759 00:35:27,200 --> 00:35:27,839 Speaker 5: uh to live? 760 00:35:28,000 --> 00:35:30,440 Speaker 6: And you know that that that also you know, allows 761 00:35:30,440 --> 00:35:31,919 Speaker 6: that flexibility as well if. 762 00:35:31,840 --> 00:35:33,640 Speaker 3: You can look back, I mean, is there anything that 763 00:35:33,680 --> 00:35:35,920 Speaker 3: you would change and do differently or you're like that 764 00:35:36,000 --> 00:35:37,840 Speaker 3: the end totally justify the means. 765 00:35:38,280 --> 00:35:41,040 Speaker 5: No, and definitely justifies the means. 766 00:35:41,440 --> 00:35:41,520 Speaker 4: Uh. 767 00:35:41,600 --> 00:35:44,480 Speaker 6: The one the one thing I always say is that 768 00:35:44,520 --> 00:35:46,480 Speaker 6: the good, the bad, and the ugly all work in 769 00:35:46,480 --> 00:35:47,040 Speaker 6: your favor. 770 00:35:47,680 --> 00:35:49,799 Speaker 5: And so sometimes when you. 771 00:35:49,760 --> 00:35:52,840 Speaker 6: Know, I don't believe in negative and positive like negative 772 00:35:52,840 --> 00:35:54,719 Speaker 6: things happening to you because I think that as long 773 00:35:54,760 --> 00:35:57,600 Speaker 6: as you have breathing your body, uh, you're you know, 774 00:35:57,680 --> 00:36:00,839 Speaker 6: you you always have a you know, opportunity to do 775 00:36:00,840 --> 00:36:02,080 Speaker 6: do things different. 776 00:36:02,280 --> 00:36:03,920 Speaker 5: And everything just serves as a lesson. 777 00:36:04,239 --> 00:36:07,239 Speaker 6: And so for me, I you know, you know, you know, yes, 778 00:36:08,239 --> 00:36:09,920 Speaker 6: somebody would have been like man, you know, maybe I 779 00:36:09,960 --> 00:36:12,200 Speaker 6: would have done this differently. But if you think about it, 780 00:36:12,360 --> 00:36:16,040 Speaker 6: you know, honestly, if I would have never thrown myself 781 00:36:16,040 --> 00:36:18,560 Speaker 6: that you know that that that retirement party, if I 782 00:36:18,600 --> 00:36:22,280 Speaker 6: never decided to you know, quit my job cold Turkey, 783 00:36:22,360 --> 00:36:24,799 Speaker 6: I would have never you know, fell back, you know, 784 00:36:24,880 --> 00:36:27,040 Speaker 6: fell behind in in my mortgage. 785 00:36:27,320 --> 00:36:29,399 Speaker 5: Uh. You know, I would have never had that. 786 00:36:29,040 --> 00:36:34,600 Speaker 6: That uh loan remodification, and that loan remodification is what 787 00:36:34,760 --> 00:36:38,720 Speaker 6: led to you know, my my home increasing in value. 788 00:36:38,800 --> 00:36:41,719 Speaker 6: That also allowed me to sell the home and walk 789 00:36:41,760 --> 00:36:45,040 Speaker 6: away with some money in hand and be able to 790 00:36:45,080 --> 00:36:48,360 Speaker 6: purchase another home for half the price, triple the size, 791 00:36:48,800 --> 00:36:51,520 Speaker 6: and so all of that, it was all it was 792 00:36:51,560 --> 00:36:53,520 Speaker 6: all a sequence. And so if I took any of 793 00:36:53,560 --> 00:36:55,720 Speaker 6: that back, if I just said, man, I wish this, 794 00:36:55,719 --> 00:36:58,960 Speaker 6: this didn't happen, and I changed anything about it, I 795 00:36:58,960 --> 00:37:01,600 Speaker 6: would probably still be in New York. I would probably 796 00:37:01,640 --> 00:37:04,719 Speaker 6: still be in the same home. But instead, you know, 797 00:37:04,760 --> 00:37:07,759 Speaker 6: I was, I was given a new opportunity and and 798 00:37:07,800 --> 00:37:09,520 Speaker 6: you know, more importantly than me because I was, I 799 00:37:09,560 --> 00:37:10,479 Speaker 6: was fine in New York. 800 00:37:10,520 --> 00:37:12,719 Speaker 5: But I think you know now. 801 00:37:12,960 --> 00:37:15,360 Speaker 6: You know, you know, watching my wife happy because she 802 00:37:15,440 --> 00:37:17,840 Speaker 6: has family down here. I mean, she always wanted to 803 00:37:17,840 --> 00:37:20,600 Speaker 6: be here. You know my daughter she's ten now. You know, 804 00:37:20,680 --> 00:37:23,000 Speaker 6: she loves her school. She's the New York Girls. So 805 00:37:23,239 --> 00:37:26,560 Speaker 6: she's popular, you know, popular in school. 806 00:37:26,640 --> 00:37:27,239 Speaker 5: She loves it. 807 00:37:27,480 --> 00:37:31,000 Speaker 6: You know my son, you know, he's three now, and 808 00:37:31,000 --> 00:37:33,000 Speaker 6: and he you know, he's he has a lot of 809 00:37:33,160 --> 00:37:38,360 Speaker 6: energy a York toddler. Yeah, you know, you know that 810 00:37:38,520 --> 00:37:40,400 Speaker 6: he has a lot of energy. He's able to run 811 00:37:40,520 --> 00:37:42,880 Speaker 6: and and and enjoy themselves. And so I think that, 812 00:37:43,960 --> 00:37:47,719 Speaker 6: you know, all all lessons are blessings, and so I 813 00:37:47,760 --> 00:37:51,440 Speaker 6: definitely wouldn't change anything, and I'm happy that things happen 814 00:37:51,520 --> 00:37:52,560 Speaker 6: exactly the way they did. 815 00:37:53,920 --> 00:37:56,399 Speaker 2: All lessons are blessings. I love people who can speak 816 00:37:56,440 --> 00:37:58,880 Speaker 2: in bumper stickers. Yeah, you're good at that. 817 00:38:00,480 --> 00:38:04,000 Speaker 3: Just what is what if your full name ashes short 818 00:38:04,040 --> 00:38:06,520 Speaker 3: for no, just Ash ash Elexantis. 819 00:38:07,560 --> 00:38:09,600 Speaker 1: Oh, your middle name is Xantis. 820 00:38:09,880 --> 00:38:11,920 Speaker 6: No, my last name is Xantis and my first name 821 00:38:11,960 --> 00:38:16,279 Speaker 6: is Ash. It's just Ash really like yeah, yeah yeah, 822 00:38:16,520 --> 00:38:18,839 Speaker 6: so my so my parents, so my parents are from 823 00:38:19,040 --> 00:38:20,080 Speaker 6: from Haiti, from Haitian. 824 00:38:20,680 --> 00:38:24,440 Speaker 5: Uh yeah, so so Ash is a is a Haitian name? Uh? 825 00:38:24,480 --> 00:38:25,640 Speaker 5: Which which which? 826 00:38:25,880 --> 00:38:26,000 Speaker 6: Uh? 827 00:38:26,560 --> 00:38:28,920 Speaker 5: Legend tells it that I'm named after. 828 00:38:28,680 --> 00:38:30,920 Speaker 6: The water boys. So so there was a water boy 829 00:38:31,480 --> 00:38:32,200 Speaker 6: uh in Haiti. 830 00:38:32,520 --> 00:38:34,520 Speaker 5: Uh that my mom? You know, my mom, It was 831 00:38:34,560 --> 00:38:37,800 Speaker 5: my mom's water boy. His name was Ash. And that's 832 00:38:38,000 --> 00:38:42,160 Speaker 5: you know, that wind up being my name water? No exactly, 833 00:38:42,200 --> 00:38:43,600 Speaker 5: not now that I say that I. 834 00:38:44,239 --> 00:38:47,319 Speaker 2: Did he save you from drowning or something like. 835 00:38:48,880 --> 00:38:56,920 Speaker 5: You are you really my dad or boy? Now that 836 00:38:56,960 --> 00:38:58,640 Speaker 5: I say it out loud, it might it might be 837 00:38:58,640 --> 00:39:00,840 Speaker 5: something to that. But and parents lie. 838 00:39:01,680 --> 00:39:03,000 Speaker 4: You have two kids, don't you lie? 839 00:39:03,680 --> 00:39:04,560 Speaker 5: Right? 840 00:39:05,640 --> 00:39:10,880 Speaker 2: Absolutely, tell the bran Ambition fam where they can find 841 00:39:10,920 --> 00:39:13,960 Speaker 2: you Ash online on the social let them know. 842 00:39:14,719 --> 00:39:17,279 Speaker 6: Yes, So you can go to my website I am 843 00:39:17,440 --> 00:39:20,920 Speaker 6: Ashcash dot com. You can follow me on all social 844 00:39:20,960 --> 00:39:26,520 Speaker 6: media platforms so Twitter, Instagram, Facebook, the same handle I 845 00:39:26,560 --> 00:39:29,520 Speaker 6: am Ash Cash and I'm very active, So you can 846 00:39:29,560 --> 00:39:33,960 Speaker 6: find me either on the website or on social media. 847 00:39:34,239 --> 00:39:37,959 Speaker 3: Okay, Ash, Yes, he you are consistent through and through. 848 00:39:38,280 --> 00:39:40,719 Speaker 3: I am a testament to your heart and soul and 849 00:39:40,760 --> 00:39:44,080 Speaker 3: you really do just pour in to the people that 850 00:39:44,120 --> 00:39:46,719 Speaker 3: you serve. So Atlanta is really lucky. 851 00:39:46,480 --> 00:39:48,960 Speaker 5: To have you. Thank you so much. No, I appreciate that. 852 00:39:49,000 --> 00:39:49,680 Speaker 5: Thank you so much. 853 00:39:50,480 --> 00:39:51,479 Speaker 4: Thanks for coming on the show. 854 00:39:51,480 --> 00:39:54,520 Speaker 6: Ash, Thank you, Mandy, thank you Tiffany, thank you for 855 00:39:54,560 --> 00:39:57,000 Speaker 6: having me. Thank you listeners for you know, you know, 856 00:39:57,040 --> 00:39:59,680 Speaker 6: I'm very loud and yelling and stuff, so thank you 857 00:39:59,719 --> 00:40:00,440 Speaker 6: for I. 858 00:40:00,400 --> 00:40:01,759 Speaker 4: Know it's her wife, like shut up. 859 00:40:02,400 --> 00:40:04,640 Speaker 6: Yeah, yeah, she's like the total opposite. So she's like 860 00:40:04,760 --> 00:40:07,879 Speaker 6: very calm and you know, my manner. But yeah, I'm 861 00:40:07,920 --> 00:40:11,240 Speaker 6: like the big, outgoing guy. So thank you listeners for 862 00:40:11,239 --> 00:40:13,440 Speaker 6: for for dealing with me. But you know, I appreciate 863 00:40:13,440 --> 00:40:14,520 Speaker 6: you guys, thank you for having me. 864 00:40:14,920 --> 00:40:16,160 Speaker 1: Yes, New York stand up. 865 00:40:16,600 --> 00:40:19,120 Speaker 2: Yes, it's trying to imagine if you and Tip were 866 00:40:19,160 --> 00:40:20,920 Speaker 2: both co hosts. 867 00:40:22,280 --> 00:40:25,640 Speaker 3: Me I had as honest at the Literature Academy at 868 00:40:25,640 --> 00:40:28,560 Speaker 3: the Expert Yo that Yo. 869 00:40:28,640 --> 00:40:30,600 Speaker 1: I literally I think I fell asleep at the computer afterwards. 870 00:40:30,640 --> 00:40:36,240 Speaker 1: I expended so much energy Fire up it was, But honestly, it's. 871 00:40:36,120 --> 00:40:38,919 Speaker 3: Like the number one act The Expert. Everyone loves that one. 872 00:40:39,880 --> 00:40:42,520 Speaker 3: That session, it was so much I think. I mean 873 00:40:42,719 --> 00:40:45,200 Speaker 3: I can't even watch the whole way too, because it's exhausting, 874 00:40:45,400 --> 00:40:47,720 Speaker 3: but in an awesome way. So yeah, no, it would 875 00:40:47,719 --> 00:40:50,200 Speaker 3: be YO would just be yelling back and forth.