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Speaker 2: O Choe, you got to listen to this baby mama

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Speaker 2: who blocked her income and child support payments. Chad, take

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Speaker 2: a listen to this.

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Speaker 4: Heke child support payments from him?

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Speaker 2: Do you?

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Speaker 1: Yes?

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Speaker 4: Elie said, blocking on venmo he should?

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Speaker 5: That makes it so much easier on him to just

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Speaker 5: venmo me instead of going to the bank. She's doing

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Speaker 5: everything the easiest that it can possibly be done for Chase,

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Speaker 5: and he's done that the whole time.

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Speaker 4: Weaping, Why would you not want it to be easy

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Speaker 4: if he's going to send you money. Why would you

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Speaker 4: not want.

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Speaker 5: That to be easy for him because it takes one

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Speaker 5: more thing off of Chase that he has to do.

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Speaker 4: You don't take child support.

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Speaker 2: Let that forget you, she said, because it's easy, he

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Speaker 2: should have to go to the bank and get the

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Speaker 2: money and bring it black, basically bring it to her.

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Speaker 2: So she when he been MoES it ben more the money,

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Speaker 2: she blocks the papers and then say, if I ain't

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Speaker 2: getting child support.

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Speaker 6: I don't understand. What's the point what is she doing?

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Speaker 2: She doesn't. She said it's too easy for him them

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Speaker 2: to make child support payments by ben mowing.

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Speaker 7: So she wants it to be a little bit more

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Speaker 7: difficult on him to Yes, well that that makes absolutely

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Speaker 7: no sense.

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Speaker 6: Honey, No shit. I wonder what the rooting was in

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Speaker 6: that case.

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Speaker 2: You can't block, Oh Joe, he's paying. You can't say

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Speaker 2: he's not playing when you blocking.

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Speaker 6: The pavement big time, big time.

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Speaker 2: I'm like, I had to listen to it again. She

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Speaker 2: was like, because it's so easy for him, and he's

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Speaker 2: he's always doing the easiest thing possible. Yeah, I mean,

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Speaker 2: oh Joe, how many people have direct deposit on their

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Speaker 2: bills because everybody got tired of writing checks, filling it out,

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Speaker 2: put it in the mail, putting a stamp on it.

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Speaker 2: Just say, you know what, we could just take this

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Speaker 2: out every month and be done with it. Oh yeah, babe,

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Speaker 2: you got to move on. He done moved on with

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Speaker 2: his life. That sounds like a woman that's upset that

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Speaker 2: the child's father or ex husband or whatever it may be,

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Speaker 2: has moved over.

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Speaker 7: What's happen when you still have feelings, when you're a

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Speaker 7: little bitter, when you're a little bitter, because if you're

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Speaker 7: not bitter, you let everything.

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Speaker 6: Happen very smoothie.

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Speaker 7: So you don't have any any type of situation.

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Speaker 6: Oh you have no?

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Speaker 7: No, I don't not combativeness. What's the word I'm looking for? Yeah,

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Speaker 7: I'm looking forward. I really can't find it. Talk yeah yeah.

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Speaker 2: Yeah, auto pay, I ain't got no auto Well I

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Speaker 2: do got auto pay, but surely set that up. Great guy,

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Speaker 2: great financial guy. Have some great ideas of how and

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Speaker 2: what you should do if you get some money, how

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Speaker 2: you could save your money. He and I had a

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Speaker 2: great conversation talking about He told me like, if your

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Speaker 2: assets are oh your ass you not said so without it,

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Speaker 2: without any further ado let's give it up. Good friend,

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Speaker 2: John Hobrien, John, how.

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Speaker 6: You doing all good? My man?

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Speaker 2: Good to be with you, Good to be with you.

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Speaker 2: So uh. A couple of weeks ago, you did you

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Speaker 2: know what?

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Speaker 1: You know?

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Speaker 6: You know what?

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Speaker 1: You know what the ladies, the ladies had talked to

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Speaker 1: me about you since you were at the forum, and

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Speaker 1: they said, you know, you know what the biggest thing

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Speaker 1: on Shannon Sharp is I was like, well, I don't

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Speaker 1: know if I'm the answer this question. And the biggest

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Speaker 1: thing on Shannon Shark is credit score, credit score. He's

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Speaker 1: got an eight hundred credit score. Credit said, this brother's

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Speaker 1: making smart sexy. We've been making dumb sexy for way

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Speaker 1: too long. We've bound down and celebrated it. It's time

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Speaker 1: to make smart sexy again. You want to impress me,

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Speaker 1: give me a get an A in math? You want

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Speaker 1: to impress me. Don't just be cute when you.

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Speaker 2: Go to the cloth to night.

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Speaker 1: When you go to clothe to night, ask her her name?

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Speaker 1: Yeah you finally, and then what's your credit score? That's

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Speaker 1: your partner for life?

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Speaker 6: Anyway.

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Speaker 8: I heard that you're a very high credit score, Shannon.

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Speaker 8: Close to you, brother Sam. I'm trying to get it

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Speaker 8: back to a fifty. I'm trying to get it back

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Speaker 8: to a fifty. It's been real slow to get back

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Speaker 8: to get it back up there, but I'm trying.

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Speaker 7: Yeah, hey, brother John, I'm glad you opened up with that.

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Speaker 7: I'm glad you opened up with a credit score thing

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Speaker 7: for the people that are in the chat. And I

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Speaker 7: see this discourse many times, especially on Twitter, where people

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Speaker 7: are always arguing. There'll be a question which you're rather

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Speaker 7: eight hundred credit score or a certain amount of money,

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Speaker 7: and it'll be a lot of money.

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Speaker 6: Let's say just a million dollars, so it might be.

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Speaker 7: And every time on Twitter they arguing for hours and

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Speaker 7: hours at a time, and everybody chooses a certain amount

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Speaker 7: of money as opposed to a credit score. For those

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Speaker 7: that are in the chat, can you please explain to

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Speaker 7: them how important it is to have a credit score

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Speaker 7: over any amount of money.

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Speaker 6: People don't.

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Speaker 7: People see the dollar figures and the amount of money

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Speaker 7: and they forget credit.

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Speaker 6: I want a lump some more money.

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Speaker 1: Yeah, Ambassador Andrew Young who was doctor was doctor King

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Speaker 1: by the way. Good to see Chah, God bless you man.

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Speaker 1: Both of you guys are legends. When and bashelor Young

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Speaker 1: was on that balcony with doctor Kingley.

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Speaker 6: He was assassinated.

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Speaker 1: He's also built the city I'm in now, the only

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Speaker 1: international city in the American South, the biggest economy in

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Speaker 1: the South, the ten floers economy in the US.

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Speaker 6: And he would say to live in.

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Speaker 1: A system of free enterprise and not to understand the

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Speaker 1: rules of free enterprise must be the very definition of slavery.

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Speaker 1: So you make money, my boy, Tony wrestler, billionaire tod

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Speaker 1: taught me this lesson. You make money during the day.

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Speaker 1: The Atlanta Hawks for those who have just are sports fanatics.

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Speaker 1: That's not why he made his money. That was originally

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Speaker 1: his toy. It was just something to play with. Now

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Speaker 1: it's worth billions. But he made his money in finance.

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Speaker 1: Actually an Area's Managemer anyway, built his wealth. A really

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Speaker 1: good guy. He says, you make your money during the day,

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Speaker 1: you build wealth in your sleep. So this is similar situation.

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Speaker 1: People become obsessed with the wrong thing. You asked a

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Speaker 1: very good question. I want to get that cash, want

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Speaker 1: to get this dollar, I want to get this bag.

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Speaker 1: I want to give this money. I want to give

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Speaker 1: the useless completely useless money has velocity. It's not stopping

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Speaker 1: it will go and if you're financially illiterate, people who

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Speaker 1: are literate will will separate you from that dollar. Ninety

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Speaker 1: two percent of all GDP of blacks in America one

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Speaker 1: point six one point seven trillion dollars we generate and

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Speaker 1: spend every year, ninety two percent is consumption. So the

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Speaker 1: man you want to call it that, he knows you

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Speaker 1: just don't go spend it. They don't need to hire

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Speaker 1: you to be the spokesman for Louis Vatan. You're gonna

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Speaker 1: be a walking billboard for it anyway. They don't need

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Speaker 1: to hire sports figures to be to be to be

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Speaker 1: Gucci spoots, spots, spost people, and whatever the brands are.

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Speaker 1: They don't wear it on anyway because our assets aren't

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Speaker 1: all too often on our ass. So we have because

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Speaker 1: we are with the rules of publishing, of playing for

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Speaker 1: those level. We kill it special sports, the arts, politics, faith,

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Speaker 1: the rules of published, and the playing for those level.

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Speaker 1: But we have never been taught capitalism and free enterprise

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Speaker 1: and financial literacy, which I consider to be financial literacy

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Speaker 1: is a civil rights issue of this generation. So it's

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Speaker 1: what you don't know that you don't know this killing

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Speaker 1: you but you think you know so Now I'm going

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Speaker 1: to drop a bomb here that makes the point that

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Speaker 1: money in of itself is absolutely useless.

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Speaker 6: If I gave a homeless guy, I was.

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Speaker 1: Homeless of six months of my life when I was

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Speaker 1: eighteen years old. It was economic homeless. Most homelessness is

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Speaker 1: mental illness and depression and other things, drugs. If I

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Speaker 1: if you give a homeless man a million dollars and

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Speaker 1: do nothing else, Trump, He'll be broken six months because

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Speaker 1: if nothing changes here, said and then nothing changes here values,

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Speaker 1: then nothing's going to change here and here will walk

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Speaker 1: away from your money, or somebody will walk away with

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Speaker 1: your money.

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Speaker 6: And we want to blame the man.

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Speaker 1: But these bad contracts and in the music business and

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Speaker 1: bad You signed it.

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Speaker 6: The Klan didn't tell you to sign it.

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Speaker 1: Nobody stell up your head with a butcher knife and

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Speaker 1: said sign that contract.

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Speaker 6: You said, y'all, I don't need to. I just want to.

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Speaker 6: I just want to do the music. I just want to.

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Speaker 6: I just want to play Baul. I don't want to

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Speaker 6: mess around with that.

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Speaker 1: It's the music business. It's the business of music. It's

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Speaker 1: the sports business. It's the business of sports. And to

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Speaker 1: say so, it so we are brilliant in so many ways.

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Speaker 1: We've been doing so much with so little for so long.

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Speaker 1: We can almost do any with nothing. But we were

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Speaker 1: never taught financial literacy. There was a freedman's bank created

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Speaker 1: in eighteen sixty five after the Civil War. Abraham Lincoln

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Speaker 1: did it with Frederick Douglas, and he was killed the

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Speaker 1: next month for that and promising blacks.

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Speaker 6: A right to vote.

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Speaker 1: The bank failed. We never would talk how money works.

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Speaker 1: So in some ways it's not our fault. But we

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Speaker 1: live in a capitalist democracy.

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Speaker 6: So all these.

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Speaker 1: Folks, seventy percent of those who win the lottery, seventy

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Speaker 1: percent broke in five years.

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Speaker 6: Wow, broke.

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Speaker 1: So all this stuff about give me that money, give

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Speaker 1: me that dotar. I mean, I'm gonna be really dramatic here.

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Speaker 1: Let's take all the money in the world, including mine,

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Speaker 1: including yours, including Shannon's, Chad. Let's take it because we're green.

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Speaker 1: Really when I'm black, at this point, we're green.

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Speaker 6: We've made it.

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Speaker 1: Take all my money, with all with everybody else that's

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Speaker 1: been money, the top three percent. We just made the

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Speaker 1: whole world socialists now redistributed to everybody in the world equally.

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Speaker 6: Within three years, we'll all have it back, yep.

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Speaker 1: If you don't do anything else, we'll all have it

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Speaker 1: back because somebody understands how capitalism and free enterprise and

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Speaker 1: money works, and somebody's understand how to spend it. People

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Speaker 1: say I can be a millionaire.

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Speaker 6: I won't go broke. Yes you will. Millions go broke.

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Speaker 1: A billionaire can go bro It's hard, but you can know,

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Speaker 1: bro if your outflow sees your inflows in your overhead

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Speaker 1: will be your downfall. What you really want is mindset knowledge.

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Speaker 1: You know what I like about Shannon. He came into

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Speaker 1: the whole global forum, we had the whole global form,

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Speaker 1: and my man just was nosy. Ask Quincy Jones, how'd

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Speaker 1: you get so smart? I'm just nosy as hell. I

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Speaker 1: want to know everything about everything. He was nosy. He

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Speaker 1: was all over in everybody's business, asking this daionaire question,

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Speaker 1: asking that billionaire question, asking that CEO question, all up

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Speaker 1: in my face, asking me questions, trying to learn.

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Speaker 6: What he doesn't know.

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Speaker 2: That I don't know what you don't know? Her John,

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Speaker 2: let me ask you this, and I don't. I don't

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Speaker 2: know if you know this off the top of your head.

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Speaker 2: But I was reading like in the Jewish community, the

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Speaker 2: dollar stays there like forty three forty five days, and

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Speaker 2: the Asian community, it stays there like twenty days. In

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Speaker 2: the white community is stayed they're like ten days, fifteen days.

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Speaker 2: In the black community, it stayed there like two minutes.

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Speaker 2: It's right, And that's what the pitstop. O Joe and

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Speaker 2: I had a conversation. We've had a conversation. That old

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Speaker 2: cho was like, yes, so Doc, if I gave somebody,

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Speaker 2: if I gave a person three hundred and eighty thousand dollars,

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Speaker 2: and that's all the money I ever they gave and

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Speaker 2: they weren't working. They're twenty years old. Let's just say

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Speaker 2: twenty five thirty. With that money last them a lifetime.

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Speaker 6: We won't last them six months. Look, it happens every day.

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Speaker 1: Is called lawsuit settlements. It happens every day. You know,

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Speaker 1: you go to urban radio stage, listen, just have a

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Speaker 1: real conversation. I mean, because Malcolm X said, we've been bamboozo,

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Speaker 1: we've been tricked, we've been full, we've been hoodwinked. That

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Speaker 1: applies to so much. President Bill Clinton once said, it's

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Speaker 1: hard to guess, mighty agree to the truth on the

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Speaker 1: line is paying their paycheck. Here the book ends us

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Speaker 1: two statements and book ends hoodwing bamboozoo.

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Speaker 2: Run them up.

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Speaker 1: Yeah, the other comment, it's hard to get somebody agreed

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Speaker 1: to the truth if a lias paying the paycheck. Now

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Speaker 1: in the middle of financial illiteracy. Now you go to

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Speaker 1: an urban radio station. Its focusing on our community and

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Speaker 1: listen to the ads. As in the ads are pivot

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Speaker 1: law firms, lawsuits, I mean high interest rate. Third, you know,

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Speaker 1: the sea paper mortgages, seapaper auto loans is right there

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Speaker 1: in broad daylight. I'm gonna go one step further, and

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Speaker 1: so they get they get these settlements, slipping falls, whatever,

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Speaker 1: you know, people running in front of cars and tripping.

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Speaker 1: But by the way, criminals. AI is gonna make criminality

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Speaker 1: really a bad business. These are bonyxies and artificial intelligence.

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Speaker 1: You need to get a new gig. That day is

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Speaker 1: soon and I mean next years over. But anyway, back

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Speaker 1: to this point. You go to our neighborhood. You go

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Speaker 1: to a place where we grew up, and here's what

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Speaker 1: you see. Check casher next to a paydad on lender,

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Speaker 1: next you renter owned store, next to a title linder,

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Speaker 1: next to a liquor store next for pawnshop, a fast

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Speaker 1: food store restaurant, and a church down the street. Try

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Speaker 1: to make you feel a little bit better once a week.

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Speaker 1: That's your neighborhood psychologists, that's your neighborhood strength. We don't

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Speaker 1: want to admit we crazy. Oh, I can't go to

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Speaker 1: a psychologist or a shrink. Somebody might think I'm crazy.

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Speaker 1: If you black in America and don't think you're crazy,

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Speaker 1: you're crazy. So we go there and hoop and holla.

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Speaker 6: Used to. That's one of our problems.

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Speaker 1: We don't go to church anymore. We don't have any

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Speaker 1: spirituality anymore. That's a whole nother conversation. We've been really

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Speaker 1: hoodwink now because now we think money's got, we think

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Speaker 1: materialism is god. We think some rappers got anyway. So

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Speaker 1: now the one place you could go and hoop and hollow,

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Speaker 1: we don't go there anymore. That's so you don't go crazy. Now, literally,

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Speaker 1: you're being pimped. A five hundred credit score neighborhood that

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Speaker 1: all you see, the only place you see? Those places?

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Speaker 1: Or is it a five hundred credit cocred neighborhood? By

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Speaker 1: the way, black and brown urban or white rural? Now

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Speaker 1: you go fifteen minutes away in every city in America.

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Speaker 1: I mapped every zip code in America by credit score. Is

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Speaker 1: I Hope Financial the Hope Financial Wellness Index, And can

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Speaker 1: go my website and put you put you in your

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Speaker 1: put in your zip code. I'll tell your credit score

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Speaker 1: in your neighborhood, I tell you how you live in.

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Speaker 1: You go fifteen minutes away from that zip code, and

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Speaker 1: you're in a seven hundred credit score neighborhood in Chicago.

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Speaker 1: I think it's Lincoln something. And then fifteen minutes from there,

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Speaker 1: I think it's Garfield Park or something. Five hundred versus

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Speaker 1: seven hundred, seve hundred versus five hundred.

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Speaker 6: You go. You know, Atlanta's the same thing. La is

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Speaker 6: the same thing every wherever you are now. And that's

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Speaker 6: center of the Chriscore neighborhood.

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Speaker 1: Two parent households, prime financy, seventy five percent home ownership rate,

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Speaker 1: prime almost not existing, whole foods, sit down restaurants, proper businesses,

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Speaker 1: mainstream banks, right fifteen minutes away a third world country.

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Speaker 6: We think this is normal.

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Speaker 1: This is why you cannot give somebody three hundred and

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Speaker 1: fifty three hundred and eighty thousand dollars and think that

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Speaker 1: they're gonna forget a lifetime. It won't last them a year,

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Speaker 1: I said six months. I'll be gracious, it won't last.

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Speaker 1: If your outflow seed your inflow, then your overhead will

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Speaker 1: be your downfall. I'm gonna go one step further. We

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Speaker 1: are brilliant. Black Americans are literally geniuses. We came here enslaved.

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Speaker 1: My second great grandfather on my mother my dad's side,

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Speaker 1: and my second great grandmother on my mother's side. Both

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Speaker 1: my grandfather was a sharecropper. So I'm talking from the

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Speaker 1: real place. We come from nothing. I got from the

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Speaker 1: bottom cortele of poverty and compon in South Central to

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Speaker 1: the top one percent in one lifetime because of what

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Speaker 1: we're talking about in me understanding how this system actually works.

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Speaker 1: Now we're brillian and we're geniuses. Imagine what would have happened,

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Speaker 1: Ocho Senko, Imagine what happened, Shannon if we had a

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Speaker 1: black Jewish business plan. Imagine what if we didn't have

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Speaker 1: a forty percent home ownership. We go ahead, Shanne, were

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Speaker 1: about to say.

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Speaker 2: I wanted that. I want you to explain what that

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Speaker 2: means and what that actually is.

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Speaker 6: Yeah, on in something versus talking about something. You know.

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Speaker 1: Poor people talk about other people. Wealthy people talk about

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Speaker 1: their ideas. Go to a barbershop, go to the nelsalon

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Speaker 1: in black community, I'm not talking about us. I'm helping

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Speaker 1: her to help us listen to what we're talking about.

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Speaker 1: We're talking about mostly other people.

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Speaker 6: You go ahead, go.

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Speaker 1: Ahead, ya, you are like your single By the way.

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Speaker 6: Now, it doesn't matter what you call me. I'm answered.

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Speaker 6: I have a question one of the things you just said.

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Speaker 7: The others talk about their ideas and how they can

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Speaker 7: work together. When it comes to us, we have a

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Speaker 7: problem working together because we don't want to see each

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Speaker 7: other win. We're always in competition with each other as

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Speaker 7: opposed to other ethnicities, they're more so.

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Speaker 6: Okay, if you.

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Speaker 7: Had this idea, well i'm gonna pick you up. And

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Speaker 7: then whoever's above him, well i'm gonna pick you up

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Speaker 7: where they always they always work in unison. And a

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Speaker 7: very small percentage of us want to see each other

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Speaker 7: win or help us get to a level where we

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Speaker 7: want to. All right, we want to see you win,

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Speaker 7: you know, and I don't want to see I want

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Speaker 7: to see Joe win, but I don't want to see

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Speaker 7: him doing better than me would tell you why.

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Speaker 1: Why low self esteem? So check this out if you're

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Speaker 1: African American. By the way, there only there are only

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Speaker 1: African American ghettos in America. There are places where Italians live,

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Speaker 1: where Polish people live, there are places where Caribbean blacks live,

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Speaker 1: there are places where Black Africans live. There are places.

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Speaker 1: I want to make sure I put black people in this.

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Speaker 1: But there's only African American ghettos in America, inner cities

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Speaker 1: that are a magnet and a holding place for poverty.

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Speaker 1: What's that to relate to, dude? When we people say, oh,

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Speaker 1: African American y'all lazy, y'all non intelligence. Really, so you

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Speaker 1: went four hundred years ago, halfway around the world in

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Speaker 1: an agricultural economy to go get dummies from Africa and brought.

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Speaker 6: Them all the way across the world.

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Speaker 1: At incredible expense and brought them to America because we're stupid. No, no, no, no, no.

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Speaker 6: We were a.

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Speaker 1: Cultural geniuses of the land. I'm coming to your I'm

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Speaker 1: coming to your point now. They had this soil in

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Speaker 1: the American South that was a gold mine. It produced

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Speaker 1: crops that were incredible gold mines, cotton and tobacco is

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Speaker 1: gold mines. In fact, Haiti was the wealthiest, the wealthiest

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Speaker 1: outpost for France in the world was Haiti. And that's

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Speaker 1: a whole nother story that we get to it before

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Speaker 1: we end, because that's the reason America exists is Haiti.

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Speaker 1: But let me come back to this for a minute.

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Speaker 1: So now they bring us over here, and they did.

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Speaker 1: Guys as big as you and Shannon. Now, high self esteem, confidence,

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Speaker 1: your tribal leaders, your chieftains. They captured you. They brought

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Speaker 1: you here, but they got to beat the self esteem

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Speaker 1: out of you. The first thing you gonna do is fight.

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Speaker 1: You see your wife being abused, you see your children

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Speaker 1: being sold off. I'm not trying to start a gettybody

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Speaker 1: worked up and trying to explain to them how we

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Speaker 1: get to this low self esteem. So they're abusing your wife,

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Speaker 1: they're holding you down. It takes quite an eight people

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Speaker 1: to hold Shannon death. They're holding them down just until

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Speaker 1: he stops fighting, because that means he realizes he cannot

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Speaker 1: do anything to help his wife. They broke his spirit,

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Speaker 1: and not trying to break his body. They eat his body.

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Speaker 1: They're trying to break his spirit. We're not human beings

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Speaker 1: having a spiritual experience. We're spiritual beings having a human experience.

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Speaker 1: Energy matters. So now they sold your kids off in

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Speaker 1: a different direction. So you don't have any hope for

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Speaker 1: that most dangerous personal role as a person.

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Speaker 6: With no hope, they now.

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Speaker 1: Abused your wife. You can't do any protect her. Now

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Speaker 1: you just broke a broken man. Just with the way

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Speaker 1: they need you. Now they put you to work building

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Speaker 1: these crops. By the way, blacks and whites, poor blacks

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00:22:46,920 --> 00:22:51,760
Speaker 1: and whites were friends in the sixteen hundreds in Americans

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Speaker 1: on the plantation. True fact is again somethings we wanted

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Speaker 1: to which had to be a go deep on. But

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Speaker 1: to answer your question, they had to break spirit. They

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Speaker 1: had to keep you away from books. They had to

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Speaker 1: not teach you financial literacy. They needed you to have

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Speaker 1: confidence in in taking soil and bringing you back to life.

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Speaker 1: What we were experts at Africa is hot, the soil

435
00:23:14,760 --> 00:23:17,240
Speaker 1: dies all the time. We were geniuses of the land

436
00:23:17,359 --> 00:23:20,359
Speaker 1: bringing it back to life. What's the largest attaped natural

437
00:23:20,400 --> 00:23:22,960
Speaker 1: resource in the world today to this day, it's Africa.

438
00:23:23,080 --> 00:23:26,199
Speaker 1: That's what everybody needs. By the way, Africa is the

439
00:23:26,200 --> 00:23:29,840
Speaker 1: future to American demograpan world demographics because the youngest people

440
00:23:30,000 --> 00:23:32,600
Speaker 1: in the world are in Nigeria. Anyway, back to this story.

441
00:23:32,880 --> 00:23:36,720
Speaker 1: So now you got high confidence today, let's fast forward.

442
00:23:36,840 --> 00:23:41,080
Speaker 1: Now African Americans were killing it in many, many sectors.

443
00:23:41,080 --> 00:23:44,359
Speaker 1: We have incredible confidence because we're competent, but we have

444
00:23:44,400 --> 00:23:47,360
Speaker 1: low self esteem. So if I don't like me, I'm

445
00:23:47,359 --> 00:23:50,720
Speaker 1: not gonna like you. If I don't feel good about me,

446
00:23:50,760 --> 00:23:53,560
Speaker 1: I'm not gonna feel good about you. If I don't

447
00:23:53,600 --> 00:23:55,600
Speaker 1: respect me, don't expect me to respect you. If I

448
00:23:55,600 --> 00:23:57,439
Speaker 1: don't love me, I don't have a clue how to

449
00:23:57,520 --> 00:23:59,800
Speaker 1: love you. And here's a big one. If I don't

450
00:23:59,800 --> 00:24:01,600
Speaker 1: have a purpose in my life, I want to make

451
00:24:01,760 --> 00:24:06,359
Speaker 1: your life a living hell because whatever goes around comes

452
00:24:06,400 --> 00:24:07,440
Speaker 1: around and hurt people.

453
00:24:07,520 --> 00:24:09,439
Speaker 6: Hurt people. There you go with crab in the barrel.

454
00:24:09,640 --> 00:24:12,040
Speaker 1: So now you have all these smart people who are

455
00:24:12,040 --> 00:24:16,560
Speaker 1: hooked on cash, not building wealth, Hooked on giving it

456
00:24:16,560 --> 00:24:21,960
Speaker 1: away versus collecting it, Hooked on transactions versus relationships, Hooked

457
00:24:21,960 --> 00:24:23,480
Speaker 1: on what I got to get versus what I have

458
00:24:23,600 --> 00:24:27,280
Speaker 1: to give. Being told religion isn't it important anymore? Forget

459
00:24:27,320 --> 00:24:29,960
Speaker 1: about that in spirituality. Now the devil's got you when

460
00:24:30,040 --> 00:24:32,199
Speaker 1: when you and Shannon get up in the morning and me,

461
00:24:32,600 --> 00:24:34,360
Speaker 1: the devil says, oh shit, they're up.

462
00:24:35,960 --> 00:24:38,440
Speaker 6: There's not enough of us. Because when you.

463
00:24:38,400 --> 00:24:41,439
Speaker 1: Succeed, I love it, I applaud you. I don't have

464
00:24:41,480 --> 00:24:43,399
Speaker 1: a self esteem problem. It's okay if you don't like me.

465
00:24:43,480 --> 00:24:44,120
Speaker 2: I like me.

466
00:24:47,200 --> 00:24:50,359
Speaker 6: So But self esteem and argance are two different things.

467
00:24:50,560 --> 00:24:52,080
Speaker 6: So what do we need?

468
00:24:52,280 --> 00:24:54,639
Speaker 1: Five pillars of success? So my last book is Financial

469
00:24:54,680 --> 00:24:56,600
Speaker 1: Literacy for All is the bestseller. One before that was

470
00:24:56,680 --> 00:24:59,399
Speaker 1: up from nothing before, six of them, but the one

471
00:24:59,440 --> 00:25:02,000
Speaker 1: before that, upp nothing had five pillars. It's much education.

472
00:25:02,080 --> 00:25:03,840
Speaker 1: You can shove down your throat. How do we reverse

473
00:25:03,840 --> 00:25:06,879
Speaker 1: what we're talking about? Oh, single, there's much education. You

474
00:25:06,920 --> 00:25:08,960
Speaker 1: can shut down your throat. That's why you see books

475
00:25:08,960 --> 00:25:12,000
Speaker 1: all around me in my office. I'm always reading. That's

476
00:25:12,040 --> 00:25:14,000
Speaker 1: why again, Shannon knows it, you're nosy.

477
00:25:14,080 --> 00:25:14,520
Speaker 6: I love it.

478
00:25:14,800 --> 00:25:19,960
Speaker 1: Number two, understanding how the language of money works. Financial

479
00:25:20,000 --> 00:25:22,080
Speaker 1: literacy is as important as the right to vote as

480
00:25:22,080 --> 00:25:25,320
Speaker 1: a four year education. A seven hundred credit score is

481
00:25:25,760 --> 00:25:27,919
Speaker 1: as important as a four year college degree. Yes, I

482
00:25:28,000 --> 00:25:29,760
Speaker 1: said it, And everybody who works with me as a

483
00:25:29,800 --> 00:25:32,119
Speaker 1: college degree. And they better have a good credit score

484
00:25:33,200 --> 00:25:35,919
Speaker 1: because you've never had a billionaire didn't do it on

485
00:25:35,960 --> 00:25:38,720
Speaker 1: good debt. You never had a successful country or city

486
00:25:39,080 --> 00:25:41,480
Speaker 1: that didn't do it on good debt. You cannot succeed

487
00:25:41,680 --> 00:25:44,120
Speaker 1: unless you understand how the system works, and you need

488
00:25:44,200 --> 00:25:48,400
Speaker 1: cheap access to good credit. Number three, you need self

489
00:25:48,480 --> 00:25:52,600
Speaker 1: esteem and confidence. Number well, Number three you need it.

490
00:25:52,640 --> 00:25:56,000
Speaker 1: We need family structure and resiliency. Number three. Number four

491
00:25:56,040 --> 00:25:58,119
Speaker 1: you need self esteem and confidence. We just covered that.

492
00:25:59,080 --> 00:26:02,159
Speaker 1: Number five you need models in the right environment. So

493
00:26:02,240 --> 00:26:04,400
Speaker 1: why do our kids want to be raps stars, athletes

494
00:26:04,440 --> 00:26:06,600
Speaker 1: and drug dealers with to the exclusion of everything else,

495
00:26:06,840 --> 00:26:09,760
Speaker 1: Because that's all they see in our neighborhood as symbol

496
00:26:09,840 --> 00:26:10,480
Speaker 1: is a success.

497
00:26:10,520 --> 00:26:13,160
Speaker 6: We're not dumb and we're stupid. We're brilliant. We're modeling

498
00:26:13,200 --> 00:26:15,720
Speaker 6: what we see.

499
00:26:15,840 --> 00:26:18,920
Speaker 1: Let's give the kid something different to see. Let's widen

500
00:26:18,960 --> 00:26:22,880
Speaker 1: their aperture. Let's let's make smart sexy again. Let's make

501
00:26:22,960 --> 00:26:27,640
Speaker 1: forget black lives matter, Let's make black capitalists matter. Looking So,

502
00:26:27,640 --> 00:26:30,040
Speaker 1: so that's why I say a black Jewish business plan

503
00:26:30,800 --> 00:26:32,920
Speaker 1: the number one way you build wealth in America.

504
00:26:34,600 --> 00:26:39,000
Speaker 6: Home ownership. What do we argue about endlessly because we.

505
00:26:39,000 --> 00:26:41,359
Speaker 1: Forty one fortyty three percent of black people own a

506
00:26:41,400 --> 00:26:44,679
Speaker 1: home compared to seventy five percent of our mainstream counterparts

507
00:26:44,840 --> 00:26:47,560
Speaker 1: read White. The whole tax cold in America is designed

508
00:26:47,560 --> 00:26:51,960
Speaker 1: to support credit scourse. I'm sorry, design to support home ownership.

509
00:26:53,520 --> 00:26:56,119
Speaker 1: But we want to argue about John, and then somebody

510
00:26:56,119 --> 00:26:59,479
Speaker 1: probably in the chat right now, we talking about we

511
00:26:59,560 --> 00:27:00,640
Speaker 1: don't own the home.

512
00:27:00,720 --> 00:27:08,600
Speaker 6: The bank owns a home if you don't pay.

513
00:27:11,200 --> 00:27:13,879
Speaker 1: I mean, I can go with this all day. I

514
00:27:13,920 --> 00:27:17,960
Speaker 1: like Matthews, it doesn't have an opinion. But no one

515
00:27:18,080 --> 00:27:21,600
Speaker 1: taught us this. I mean, this is basic stuff. Three

516
00:27:21,640 --> 00:27:25,080
Speaker 1: things have never gone down in value, stock market value,

517
00:27:25,119 --> 00:27:28,199
Speaker 1: real estate values, and GDP of America gross domestic car

518
00:27:28,480 --> 00:27:30,119
Speaker 1: and the history of America gone up. There was a

519
00:27:30,160 --> 00:27:33,359
Speaker 1: recession and received it and corrected above the line every time.

520
00:27:33,720 --> 00:27:36,200
Speaker 1: But John, let me ask you this. But here's the thing, though, John.

521
00:27:36,840 --> 00:27:39,680
Speaker 2: You know, in order to really invest in the stock,

522
00:27:39,760 --> 00:27:42,360
Speaker 2: you got to have what we call disposable income. If

523
00:27:42,400 --> 00:27:45,040
Speaker 2: you're using check, if you live in check to check,

524
00:27:45,280 --> 00:27:47,040
Speaker 2: If you got to pay a mortgage or rent, and

525
00:27:47,080 --> 00:27:48,560
Speaker 2: you got to pay a card note and you got

526
00:27:48,560 --> 00:27:52,120
Speaker 2: to play bills, that leaves you very little disposable income

527
00:27:52,440 --> 00:27:55,200
Speaker 2: in order to put into the market. So Therefore they're

528
00:27:55,320 --> 00:27:58,719
Speaker 2: why like a lot of people that don't have disposable income,

529
00:27:59,000 --> 00:28:03,119
Speaker 2: it's hard for them to accumulate, forget generational wealth, just

530
00:28:03,280 --> 00:28:06,000
Speaker 2: enough thing that when they retire, because I ain't really

531
00:28:06,000 --> 00:28:08,280
Speaker 2: count No, I ain't really count, no medicaid, medicare to

532
00:28:08,320 --> 00:28:10,399
Speaker 2: take care of She had a shark. So I'm just

533
00:28:11,000 --> 00:28:13,160
Speaker 2: I'm just like, hey, that's gonna be overwere But when

534
00:28:13,160 --> 00:28:16,119
Speaker 2: you don't, So how would one that has very little

535
00:28:16,920 --> 00:28:22,680
Speaker 2: or marginal disposable income accumulate something that when they retire

536
00:28:24,160 --> 00:28:26,720
Speaker 2: they have something? They have a nice little nest egg.

537
00:28:27,480 --> 00:28:30,199
Speaker 6: So you got you don't have a self esteem problem?

538
00:28:30,840 --> 00:28:34,240
Speaker 2: No, hell no, I love you won't have a problem when.

539
00:28:34,119 --> 00:28:35,760
Speaker 6: I say to you that what you just said is wrong.

540
00:28:36,640 --> 00:28:39,600
Speaker 1: Okay, Now when it comes to professional sports and the homewards,

541
00:28:39,840 --> 00:28:41,320
Speaker 1: I got to come to you and just shut up.

542
00:28:41,240 --> 00:28:44,800
Speaker 6: Because I don't know no clue. Okay, But there's.

543
00:28:44,640 --> 00:28:47,680
Speaker 1: Occasionally occasionally I might have something that I can give.

544
00:28:47,600 --> 00:28:50,080
Speaker 6: To you, and you just it was a beautiful setup

545
00:28:50,120 --> 00:28:51,160
Speaker 6: that is just incorrect.

546
00:28:51,560 --> 00:28:56,080
Speaker 1: My mother worked thirty two years and McDonald's aircraft, making

547
00:28:56,120 --> 00:29:01,800
Speaker 1: fifteen dollars an hour. She died September with a million

548
00:29:01,840 --> 00:29:05,080
Speaker 1: dollar networks. She had bought and sold seven homes. Her

549
00:29:05,120 --> 00:29:06,880
Speaker 1: credit score like he was eight fifty four.

550
00:29:06,920 --> 00:29:08,560
Speaker 6: I believe it was. He used to go over eight fifty.

551
00:29:08,560 --> 00:29:09,400
Speaker 6: It was eight fifty four.

552
00:29:10,880 --> 00:29:15,000
Speaker 1: So when so when somebody watching this says, well, Chanle,

553
00:29:15,040 --> 00:29:16,440
Speaker 1: it just made a great point, and he didn't make

554
00:29:16,480 --> 00:29:18,640
Speaker 1: a great point. Here you go, I don't have any

555
00:29:18,800 --> 00:29:24,120
Speaker 1: and disposable income. You went to Starbucks last week looking cigarettes.

556
00:29:24,720 --> 00:29:27,160
Speaker 1: If you go to small Starbucks three times a week

557
00:29:27,160 --> 00:29:29,680
Speaker 1: and you've got a cigarette habit, that's six thousand dollars

558
00:29:29,720 --> 00:29:31,640
Speaker 1: a year. You're making thirty six thousand dollars a year.

559
00:29:31,680 --> 00:29:34,400
Speaker 1: That's twenty percent of your income. I'll let that sink

560
00:29:34,440 --> 00:29:37,520
Speaker 1: in for a minute. The cigarettes on the box says

561
00:29:37,560 --> 00:29:40,360
Speaker 1: this shit will kill you, Like I don't know if

562
00:29:40,360 --> 00:29:41,400
Speaker 1: I can say that on your pocket.

563
00:29:41,440 --> 00:29:45,280
Speaker 6: This stuff you'll kill you, all right, So stop smoking.

564
00:29:44,920 --> 00:29:47,600
Speaker 1: Cigarettes and go get your curity machine at home and

565
00:29:47,680 --> 00:29:48,680
Speaker 1: make your own coffee.

566
00:29:49,040 --> 00:29:52,520
Speaker 6: You've now just recaptured three grand, two grand.

567
00:29:52,840 --> 00:29:53,560
Speaker 2: Take that put it.

568
00:29:53,560 --> 00:29:55,480
Speaker 1: Into by the way, don't even do that, just do

569
00:29:55,880 --> 00:29:58,080
Speaker 1: just stop doing silly stuff like going to a fast

570
00:29:58,120 --> 00:30:00,840
Speaker 1: food restaurant every other night. Took something at home and

571
00:30:00,960 --> 00:30:03,400
Speaker 1: want by the way, it might extend your life because

572
00:30:03,440 --> 00:30:06,160
Speaker 1: you cannot have a soul food diet for the rest

573
00:30:06,160 --> 00:30:07,520
Speaker 1: of your life and lived at eighty years old.

574
00:30:07,560 --> 00:30:09,440
Speaker 6: They're in no three hundred pounds eighty year olds.

575
00:30:09,520 --> 00:30:11,200
Speaker 1: And that's a design of diet of was des die

576
00:30:11,280 --> 00:30:14,280
Speaker 1: for slavery because they put them anyway, back to this.

577
00:30:14,440 --> 00:30:15,040
Speaker 6: Point, the.

578
00:30:17,120 --> 00:30:18,960
Speaker 2: Huh you could eat, You could eat like that where

579
00:30:18,960 --> 00:30:21,080
Speaker 2: you were in those fields working fourteen dollars a day.

580
00:30:21,760 --> 00:30:24,120
Speaker 1: You have to because they threw the They threw the

581
00:30:24,280 --> 00:30:26,720
Speaker 1: worst parts of the animal our back as a disrespect

582
00:30:26,760 --> 00:30:28,480
Speaker 1: to you. All you could do is turn it into

583
00:30:28,520 --> 00:30:32,000
Speaker 1: a delacy. Okay, grits, hog moss, pig feet.

584
00:30:31,920 --> 00:30:34,440
Speaker 2: Fried chick tailed neck, boxtails.

585
00:30:34,480 --> 00:30:37,600
Speaker 6: I love ox shellig and we put so on all

586
00:30:37,640 --> 00:30:39,120
Speaker 6: the meat so it didn't die in the heat.

587
00:30:39,520 --> 00:30:43,160
Speaker 1: Right. Yes, you had to cure it. That's preserved it, right, right.

588
00:30:43,520 --> 00:30:47,960
Speaker 1: So I love soul food twice a month, not three

589
00:30:48,080 --> 00:30:52,160
Speaker 1: times a day. That's why black folks are inflamed. We're

590
00:30:52,200 --> 00:30:56,080
Speaker 1: not fat, we are inflamed. Semi scent of all disease.

591
00:30:56,200 --> 00:30:58,720
Speaker 1: My wife changes a wellness expert. You'll tell you seventy

592
00:30:58,760 --> 00:31:03,200
Speaker 1: virusent of all disease live on inflammation, inflammation.

593
00:31:03,360 --> 00:31:06,760
Speaker 6: What is it? Comes from? Bad environment, bad food.

594
00:31:07,000 --> 00:31:10,600
Speaker 1: Back to this example, let's assume that you don't have

595
00:31:10,720 --> 00:31:14,280
Speaker 1: about to say, crackad happen. You don't have a a

596
00:31:14,440 --> 00:31:18,440
Speaker 1: dar Bucks with a cigarette alcohol. Yeah, listen, you don't

597
00:31:18,480 --> 00:31:20,520
Speaker 1: have that. You're just wasting a little bit of money.

598
00:31:20,680 --> 00:31:22,440
Speaker 1: Take twenty five dollars that you were going to go,

599
00:31:22,520 --> 00:31:27,640
Speaker 1: spend whatever and do fractional share investment. Okay, you can

600
00:31:27,680 --> 00:31:30,880
Speaker 1: buy a fraction of Warren Buffett's company, a twenty five

601
00:31:30,920 --> 00:31:34,960
Speaker 1: dollars fraction of a share in Target, Tarja, Walmart, you know,

602
00:31:35,200 --> 00:31:37,720
Speaker 1: wherever you whatever, you're dressed in, whatever you like, go

603
00:31:37,880 --> 00:31:40,680
Speaker 1: buy that and do whatever you can for a five

604
00:31:40,720 --> 00:31:44,240
Speaker 1: dollars ten dollars one you can do a dollar fractional share.

605
00:31:44,560 --> 00:31:45,800
Speaker 6: Don't tell me what you cannot do.

606
00:31:46,160 --> 00:31:46,440
Speaker 2: Earned it.

607
00:31:46,560 --> 00:31:48,720
Speaker 1: So somebody watching this, you're about to give somebody some money.

608
00:31:49,600 --> 00:31:52,520
Speaker 1: Somebody watching this, I'm gonna say, you gotta check coming

609
00:31:52,560 --> 00:31:55,600
Speaker 1: to you because of Ocho, Sinko and Shannon Shark. You

610
00:31:55,680 --> 00:31:59,360
Speaker 1: got to check five, six, ten, maybe twenty thousand dollars.

611
00:31:59,440 --> 00:32:03,160
Speaker 1: It's called the EITC. People will say, what's that? The

612
00:32:03,280 --> 00:32:06,440
Speaker 1: minute somebody in your chat says what's that. Congratulations. If

613
00:32:06,440 --> 00:32:08,240
Speaker 1: you make less than sixty thousand dollars a year, which

614
00:32:08,280 --> 00:32:10,560
Speaker 1: is half of this country, you just got a check

615
00:32:10,600 --> 00:32:13,120
Speaker 1: from the federal government through Shannon Sharp and Ocho Sinko.

616
00:32:13,160 --> 00:32:14,240
Speaker 6: It's called the EITC.

617
00:32:14,640 --> 00:32:16,440
Speaker 1: If you make thirty eight thousand dollars a year, you

618
00:32:16,520 --> 00:32:18,720
Speaker 1: live in a small town, you're listening to this podcast,

619
00:32:19,080 --> 00:32:21,560
Speaker 1: you have three children. The government owes you a check

620
00:32:21,640 --> 00:32:25,440
Speaker 1: for working. It's not a handout for seventy five hundred dollars,

621
00:32:25,480 --> 00:32:27,120
Speaker 1: about seousand, seventy five hundred dollars.

622
00:32:27,480 --> 00:32:28,440
Speaker 6: If you've never filed.

623
00:32:28,480 --> 00:32:33,920
Speaker 1: It's retroactive for three years. That's twenty grand. One out

624
00:32:33,920 --> 00:32:36,120
Speaker 1: of four Americans who qualify for it never even asked

625
00:32:36,160 --> 00:32:37,640
Speaker 1: for it. That's twenty billion.

626
00:32:37,400 --> 00:32:38,000
Speaker 6: Dollars a year.

627
00:32:38,160 --> 00:32:42,760
Speaker 1: Shannon, Wow, that's black people. To be real clear, that's us.

628
00:32:42,800 --> 00:32:45,600
Speaker 1: We don't have a tax pro We don't have anybody

629
00:32:45,640 --> 00:32:48,800
Speaker 1: doing our taxes. So so, and if you're rinting for

630
00:32:48,840 --> 00:32:50,560
Speaker 1: the same cause of a mortgage payment, you should be

631
00:32:50,600 --> 00:32:55,120
Speaker 1: owning the house, renting to own. You're scared you're paying

632
00:32:55,200 --> 00:32:57,320
Speaker 1: money uptown with people who don't like you. With money,

633
00:32:57,400 --> 00:32:59,120
Speaker 1: you don't have to buy something you can't afford to

634
00:32:59,200 --> 00:33:00,800
Speaker 1: be in some place. People, I don't want you there

635
00:33:01,680 --> 00:33:04,160
Speaker 1: in a door man in a house that you're that

636
00:33:04,320 --> 00:33:04,800
Speaker 1: I own.

637
00:33:05,080 --> 00:33:10,840
Speaker 6: I'm the landlord. I'm literally the landlord. I'm I found.

638
00:33:10,880 --> 00:33:13,760
Speaker 1: I'm the largest minority owner of single family rental homes

639
00:33:13,800 --> 00:33:14,280
Speaker 1: in America.

640
00:33:14,640 --> 00:33:15,520
Speaker 2: But I was I bought.

641
00:33:15,560 --> 00:33:17,880
Speaker 1: I bought this company, Promise Homes. Company owned seven hundred

642
00:33:17,920 --> 00:33:20,240
Speaker 1: homes between here and Florida. I sold most of the

643
00:33:20,280 --> 00:33:22,840
Speaker 1: company in twenty twenty one. And I did that over

644
00:33:22,960 --> 00:33:25,600
Speaker 1: five years. And I encourage people not to rent from me,

645
00:33:25,960 --> 00:33:29,560
Speaker 1: Rent and get out, go buy a house. So it's

646
00:33:29,600 --> 00:33:34,520
Speaker 1: a misnomer that you can't do this. Whether you believe

647
00:33:34,560 --> 00:33:36,320
Speaker 1: you can or whether you believe you can't, you're right.

648
00:33:37,560 --> 00:33:39,160
Speaker 1: Is a glass half full or is it half empty?

649
00:33:39,160 --> 00:33:41,080
Speaker 1: Because he's looking at the glass. One thing I know

650
00:33:41,120 --> 00:33:45,240
Speaker 1: about you too, you're optimists over the rounded, through it.

651
00:33:45,280 --> 00:33:47,560
Speaker 1: You're gonna get to it. You're gonna run over somebody

652
00:33:47,840 --> 00:33:48,200
Speaker 1: to do it.

653
00:33:49,560 --> 00:33:50,000
Speaker 6: Is that right?

654
00:33:50,520 --> 00:33:54,160
Speaker 1: Yeah, that's exactly what your listeners should be should be doing.

655
00:33:54,880 --> 00:33:57,400
Speaker 1: Never say never, don't say I can't do this. It's

656
00:33:57,400 --> 00:34:00,640
Speaker 1: impossible because I'm making a little money. No, you got

657
00:34:00,760 --> 00:34:03,920
Speaker 1: to have the right habits. Most of success is hustle

658
00:34:04,440 --> 00:34:11,760
Speaker 1: and good habits and optimism. Money's overrated. I never focus

659
00:34:11,840 --> 00:34:13,960
Speaker 1: on money. I got more than I need. I never

660
00:34:14,040 --> 00:34:16,879
Speaker 1: focus on it. I think it was on passion, purpose, authenticity.

661
00:34:17,080 --> 00:34:19,440
Speaker 1: What what I I'm anyway?

662
00:34:19,719 --> 00:34:22,560
Speaker 6: I'm trying. Look, I can move somebody's credit score.

663
00:34:23,200 --> 00:34:26,359
Speaker 1: Listening to you, who's making forty thousand dollars a year,

664
00:34:26,640 --> 00:34:28,279
Speaker 1: I can turn it into a homeowner in a year.

665
00:34:28,560 --> 00:34:30,160
Speaker 6: I can get your credit score up in fifty four

666
00:34:30,200 --> 00:34:31,080
Speaker 6: points in six months.

667
00:34:31,160 --> 00:34:33,399
Speaker 1: To my whole financial coaching, I can get your debt

668
00:34:33,440 --> 00:34:36,759
Speaker 1: down thirty eight hundred dollars, your savings up twelve hundred dollars.

669
00:34:36,840 --> 00:34:38,279
Speaker 6: In six to eight months.

670
00:34:38,280 --> 00:34:40,239
Speaker 1: I'm doing it through I have fifteen hundred offices at

671
00:34:40,280 --> 00:34:43,440
Speaker 1: Operation Hope that do financial coaching for free inside of

672
00:34:43,520 --> 00:34:45,680
Speaker 1: bank branches. So the bank then says yes to you

673
00:34:46,000 --> 00:34:49,600
Speaker 1: to become a homeowner. I'm not talking theory to you, brother.

674
00:34:49,640 --> 00:34:52,920
Speaker 1: I've done four and a half billion dollars. I've invested

675
00:34:53,000 --> 00:34:56,200
Speaker 1: four and a half billion dollars in the black and

676
00:34:56,239 --> 00:34:59,759
Speaker 1: brown neighborhoods through Operation Hope with exact stuff we're talking about.

677
00:34:59,800 --> 00:35:03,759
Speaker 2: This is not theory, John. If we don't get you

678
00:35:03,800 --> 00:35:06,000
Speaker 2: out of here on this What would be your one

679
00:35:06,200 --> 00:35:09,680
Speaker 2: what would be your one best piece of advice you

680
00:35:09,760 --> 00:35:10,920
Speaker 2: could give our chat tonight.

681
00:35:11,800 --> 00:35:15,120
Speaker 1: Get off your rear end and stop complaining and stop whining,

682
00:35:16,000 --> 00:35:19,759
Speaker 1: stop obsessing with stuff. Is like racism is like rain.

683
00:35:19,840 --> 00:35:23,200
Speaker 1: It's either fall in some place or it's gathering. So

684
00:35:23,320 --> 00:35:25,000
Speaker 1: get out an umbrella and the color of your life

685
00:35:25,080 --> 00:35:27,439
Speaker 1: and start strolling through it. Because it's not going to change.

686
00:35:27,440 --> 00:35:30,080
Speaker 1: It's been around since Jesus. It's not going to change.

687
00:35:30,160 --> 00:35:33,520
Speaker 1: So you must get your hand right, get your mind right,

688
00:35:33,600 --> 00:35:36,239
Speaker 1: get your spirit right, get your life right, get out

689
00:35:36,280 --> 00:35:39,600
Speaker 1: of your own way. Realize that you're God's child, that

690
00:35:40,080 --> 00:35:43,000
Speaker 1: no one has these fingerprints. They're completely unique and near yours,

691
00:35:43,200 --> 00:35:46,319
Speaker 1: and you could be great. You can beat o Cho

692
00:35:46,400 --> 00:35:49,920
Speaker 1: Sinko and Shanna Sharp because they were once you. You

693
00:35:50,719 --> 00:35:53,880
Speaker 1: can bet John O'Brien, you can beat Charlotte Mayne. You

694
00:35:54,440 --> 00:35:59,000
Speaker 1: can be Stephen A Smith. But there's no billionaire. There's

695
00:35:59,080 --> 00:36:03,600
Speaker 1: no billionaire who. There's no entertainer or no sports figure

696
00:36:04,040 --> 00:36:06,360
Speaker 1: who's a billionaire who didn't do it by cross without

697
00:36:06,360 --> 00:36:07,480
Speaker 1: crossing over into business.

698
00:36:08,680 --> 00:36:11,239
Speaker 6: Yeah, he's the only way. We can't one hundred percent.

699
00:36:11,440 --> 00:36:15,040
Speaker 1: You can't sell enough movie tickets or take our concert

700
00:36:15,080 --> 00:36:18,600
Speaker 1: tickets of merchandise. You can't do it with the your

701
00:36:18,640 --> 00:36:21,080
Speaker 1: single going back, can't do it with that cash won't

702
00:36:21,080 --> 00:36:25,000
Speaker 1: get there. You build wealth in your sleep, stocks, bonds,

703
00:36:25,120 --> 00:36:29,560
Speaker 1: home ownership, investments, businesses one MBB an operation. We created

704
00:36:29,719 --> 00:36:32,960
Speaker 1: half a billion, sorry, half a million black businesses since

705
00:36:33,000 --> 00:36:35,879
Speaker 1: George Floyd's murder. I'm committed to create a million black

706
00:36:35,880 --> 00:36:39,279
Speaker 1: businesses by twenty thirty. This is a Black Gewish business plan, right.

707
00:36:39,800 --> 00:36:42,760
Speaker 1: And there's only three point one million black businesses in America.

708
00:36:42,960 --> 00:36:44,880
Speaker 1: We've already created forty and fifty thousand of them, just

709
00:36:45,000 --> 00:36:47,440
Speaker 1: under five hundred thousand. That's twelve percent, give or take

710
00:36:48,560 --> 00:36:51,000
Speaker 1: of the national average. And I'm not going to stop

711
00:36:51,040 --> 00:36:52,480
Speaker 1: because this is one of the ways that we can

712
00:36:52,520 --> 00:36:57,520
Speaker 1: build wealth using our hustle, our talents. Don't don't just

713
00:36:57,560 --> 00:37:00,520
Speaker 1: stand on the mic. Own that damn thing. Don't rock

714
00:37:00,600 --> 00:37:04,520
Speaker 1: the mike, own the mike rental company, Own the stage

715
00:37:04,560 --> 00:37:07,880
Speaker 1: rental company, own the part porter potties at the movie

716
00:37:07,920 --> 00:37:10,920
Speaker 1: studio in the video shoot. Own the lighting system that

717
00:37:10,960 --> 00:37:14,000
Speaker 1: gets rented. Nobody these companies don't own that stuff. They

718
00:37:14,160 --> 00:37:18,120
Speaker 1: rent that stuff. Be the rental company, the VIP racist.

719
00:37:18,600 --> 00:37:21,359
Speaker 1: But own the company that prints those things and sell

720
00:37:21,400 --> 00:37:23,560
Speaker 1: it to the nightclub. Stop being a fool going to

721
00:37:23,600 --> 00:37:25,480
Speaker 1: the night clubs man a five hundred dollars on a

722
00:37:25,480 --> 00:37:28,200
Speaker 1: bottle of champagne that costs him twenty five Be the

723
00:37:28,280 --> 00:37:29,600
Speaker 1: company sells in the bottles.

724
00:37:29,640 --> 00:37:31,400
Speaker 6: Don't go to the club. Own the club.

725
00:37:32,160 --> 00:37:37,120
Speaker 1: I was with. I was with the Mike Maples, who's

726
00:37:37,160 --> 00:37:39,799
Speaker 1: a one of the top twenty venture capitalists. I'm sorry,

727
00:37:39,920 --> 00:37:41,600
Speaker 1: I'm passionate. Am I talking too much?

728
00:37:43,239 --> 00:37:44,400
Speaker 6: Go ahead, go ahead, go ahead.

729
00:37:44,960 --> 00:37:46,960
Speaker 1: But my mother, my mother always said, you know, wanna

730
00:37:46,960 --> 00:37:50,600
Speaker 1: be the old guy in the club out, I'm gonna

731
00:37:50,680 --> 00:37:55,040
Speaker 1: leave right. So this guy named Mike Maples, he's a

732
00:37:55,080 --> 00:37:58,440
Speaker 1: big venture capitalist in Silicon Valley. I was talking to

733
00:37:58,480 --> 00:38:01,400
Speaker 1: him one day. I said, Mike, tell me about your family. Oh,

734
00:38:01,560 --> 00:38:03,239
Speaker 1: just normal family. I'm not going to ask you that.

735
00:38:03,320 --> 00:38:05,359
Speaker 1: And she tells me about your family, Well, my dad

736
00:38:05,400 --> 00:38:08,560
Speaker 1: worked for Microsoft. Okay, what are you doing Microsoft? Oh

737
00:38:08,600 --> 00:38:10,600
Speaker 1: he worked for Bill Gates. That look, technically everybody works

738
00:38:10,600 --> 00:38:11,160
Speaker 1: for Bill Gates.

739
00:38:13,840 --> 00:38:22,840
Speaker 6: Yeah, like, what did you do?

740
00:38:23,160 --> 00:38:24,680
Speaker 1: By the way, we need a black Bill Gates as

741
00:38:24,719 --> 00:38:26,279
Speaker 1: much as we need a black president, by the way,

742
00:38:27,080 --> 00:38:29,880
Speaker 1: because I would create more that will create other billionaires,

743
00:38:29,920 --> 00:38:33,400
Speaker 1: other cent a millionaires, one hundred million, other multimillionaires, who

744
00:38:33,520 --> 00:38:35,759
Speaker 1: then create philanthropy in their neighborhood, who hire people who

745
00:38:35,760 --> 00:38:38,040
Speaker 1: look like them, mentor people look like them. The cascade

746
00:38:38,160 --> 00:38:40,719
Speaker 1: effect that would be incredible. Back to this example. So

747
00:38:40,840 --> 00:38:43,560
Speaker 1: I said, I worked for Bill Gates. Okay, I asked

748
00:38:43,640 --> 00:38:45,640
Speaker 1: him fourteen questions. I finally said, well, he was a

749
00:38:45,680 --> 00:38:50,440
Speaker 1: president of software. I said, hold on, slow down. Did

750
00:38:50,480 --> 00:38:54,080
Speaker 1: you just say your dad was in was the president

751
00:38:54,120 --> 00:38:57,880
Speaker 1: of software at Microsoft. So he really did work for

752
00:38:58,120 --> 00:39:01,359
Speaker 1: Bill Gates. Yeah, I said, you said your life was normal.

753
00:39:01,440 --> 00:39:01,920
Speaker 6: Tell me more.

754
00:39:02,120 --> 00:39:04,200
Speaker 1: Tell me about your first business. Well, you know, my

755
00:39:04,320 --> 00:39:06,480
Speaker 1: dad I started this no business. I forget what what was?

756
00:39:06,840 --> 00:39:09,960
Speaker 1: You know, whatever newspaper business, whatever it was, I forget

757
00:39:09,960 --> 00:39:11,799
Speaker 1: it was. He was twelve years old and he made

758
00:39:11,840 --> 00:39:13,879
Speaker 1: this the biggest business in his neighborhood. And he went

759
00:39:13,920 --> 00:39:16,200
Speaker 1: to his dad one day. Here's the point, he said, Dad,

760
00:39:16,400 --> 00:39:19,319
Speaker 1: I'm so excited I have made this the biggest business

761
00:39:19,360 --> 00:39:23,960
Speaker 1: our neighborhood. I'm gonna sell this business to Disney. Mindset

762
00:39:24,560 --> 00:39:27,680
Speaker 1: is Mike Mabel Senior said, I'm ashamed of you, son.

763
00:39:29,400 --> 00:39:30,320
Speaker 6: We don't think like that.

764
00:39:30,440 --> 00:39:34,480
Speaker 1: In this household. I raised you better than that. I'm

765
00:39:34,480 --> 00:39:36,680
Speaker 1: sitting scratching my head, going, wait a minute. The kid

766
00:39:36,760 --> 00:39:39,360
Speaker 1: just said, I'm a businessman. I'm gonna sell my business

767
00:39:39,400 --> 00:39:42,640
Speaker 1: now to Disney. He said, no, no, no, on this household.

768
00:39:43,040 --> 00:39:45,160
Speaker 1: We don't build a business and sell it to Disney.

769
00:39:45,640 --> 00:39:52,719
Speaker 1: We build a business to buy Disney. Wow, drop the mic.

770
00:39:53,120 --> 00:39:58,400
Speaker 1: What is Mike Mabel's doing today? Buying businesses? You model

771
00:39:58,440 --> 00:40:02,520
Speaker 1: what you see, so we need to we need we

772
00:40:02,640 --> 00:40:06,680
Speaker 1: need to become what we want to see. Look anybody

773
00:40:06,719 --> 00:40:08,640
Speaker 1: out there saying let's just give it away, even if

774
00:40:08,640 --> 00:40:09,880
Speaker 1: you want to distribute money like a.

775
00:40:09,920 --> 00:40:12,720
Speaker 6: Socialist, you got a first collected like a capitalist.

776
00:40:13,440 --> 00:40:13,879
Speaker 2: Mm hmm.

777
00:40:14,560 --> 00:40:16,800
Speaker 6: So anybody out there who has a problem with what

778
00:40:16,880 --> 00:40:18,960
Speaker 6: we've been saying for this last hour, let me say

779
00:40:19,040 --> 00:40:19,320
Speaker 6: this to you.

780
00:40:20,000 --> 00:40:26,040
Speaker 1: You try government, charity, you try social justice, you try guilt,

781
00:40:26,239 --> 00:40:29,920
Speaker 1: You tried whatever you tried. We tried a bunch yourself.

782
00:40:30,360 --> 00:40:36,040
Speaker 1: It ain't worked. Why don't you try capitalism? Hello, it

783
00:40:36,120 --> 00:40:38,560
Speaker 1: seems to work for everybody else. Everybody who's try to

784
00:40:38,640 --> 00:40:41,440
Speaker 1: use free enterprise and capitalism to set themselves free.

785
00:40:43,400 --> 00:40:47,880
Speaker 6: Have succeeded it. We're brilliant. Why can't we do it.

786
00:40:48,080 --> 00:40:52,279
Speaker 1: We can, we just have never tried it. That's what

787
00:40:52,400 --> 00:40:54,319
Speaker 1: I'm teaching at scale. That's what you're doing.

788
00:40:55,360 --> 00:40:56,040
Speaker 6: I listened to you.

789
00:40:56,320 --> 00:40:58,360
Speaker 1: You did a whole thing where you're talking about credit

790
00:40:58,400 --> 00:41:00,880
Speaker 1: scores when you I mean, I remember you said eight

791
00:41:00,960 --> 00:41:03,279
Speaker 1: hundred Do you don't not? Everybody was thinking, well, I

792
00:41:03,440 --> 00:41:04,960
Speaker 1: want to be like Shannon, I need a eight hundred

793
00:41:04,960 --> 00:41:08,600
Speaker 1: credit Scoore, o Cho, Si be dropping, be dropping some gems,

794
00:41:08,680 --> 00:41:12,680
Speaker 1: and you you be weaving knowledge. Charlemagne is very good

795
00:41:12,719 --> 00:41:16,360
Speaker 1: at this, weaving knowledge and education into the entertainment.

796
00:41:16,920 --> 00:41:17,040
Speaker 2: MM.

797
00:41:17,400 --> 00:41:21,640
Speaker 6: That's what need at scale. We gotta make this mainstream.

798
00:41:21,320 --> 00:41:28,640
Speaker 2: Right now, John, I appreciate you joining us tonight. That's

799
00:41:28,680 --> 00:41:30,560
Speaker 2: what we're gonna do from time to time. Our job

800
00:41:30,640 --> 00:41:33,760
Speaker 2: here at clubs at a Nightcap is to not only entertain,

801
00:41:33,880 --> 00:41:36,640
Speaker 2: That's what we do. We inform people about what transpired

802
00:41:36,680 --> 00:41:39,000
Speaker 2: in the game and so forth and so on, but

803
00:41:39,080 --> 00:41:41,760
Speaker 2: we also like to educate people. We like people because

804
00:41:41,800 --> 00:41:43,440
Speaker 2: we want to see our people succeed.

805
00:41:44,040 --> 00:41:44,120
Speaker 1: Uh.

806
00:41:44,280 --> 00:41:45,959
Speaker 2: And what better way to do it is that people

807
00:41:46,000 --> 00:41:49,000
Speaker 2: that's been successful. Sometimes they get we gets redundant here

808
00:41:49,239 --> 00:41:51,360
Speaker 2: from o Cho and I, and sometimes we need to

809
00:41:51,400 --> 00:41:54,040
Speaker 2: bring a new voice in someone that succeeded on a

810
00:41:54,120 --> 00:41:57,200
Speaker 2: grander scale, that can speak the things that Oacho and

811
00:41:57,320 --> 00:42:00,600
Speaker 2: I we need help understanding and talking about. So for

812
00:42:00,680 --> 00:42:03,960
Speaker 2: you to come on tonight and educate our group, our chat,

813
00:42:04,320 --> 00:42:05,719
Speaker 2: we greatly, greatly appreciate that.

814
00:42:06,800 --> 00:42:07,600
Speaker 6: Well, let me say this.

815
00:42:07,719 --> 00:42:10,440
Speaker 1: I think you're brilliant. I think what you've done here

816
00:42:10,680 --> 00:42:14,480
Speaker 1: is brilliant. I think that you guys are a great partnership.

817
00:42:14,920 --> 00:42:17,239
Speaker 1: You played very well on each other, and I think

818
00:42:17,280 --> 00:42:22,560
Speaker 1: it's very elegantly done. And I love seeing you shine.

819
00:42:22,640 --> 00:42:25,120
Speaker 1: I love seeing you succeed. And other people I know,

820
00:42:25,360 --> 00:42:28,480
Speaker 1: Bishop TD Jakes and Charlemagne and Steven A. Smith are

821
00:42:28,520 --> 00:42:30,560
Speaker 1: all rooting for you in that beautiful thing a black

822
00:42:30,600 --> 00:42:35,719
Speaker 1: man loving on another black man and completely straight. So

823
00:42:35,880 --> 00:42:39,040
Speaker 1: your audience, I want you to hear now this last thing. Anybody,

824
00:42:39,160 --> 00:42:40,920
Speaker 1: all of the folks who want to be ball players

825
00:42:40,960 --> 00:42:44,000
Speaker 1: and football god bless you, fantastic, no problem with it.

826
00:42:44,920 --> 00:42:48,120
Speaker 1: But seventy percent of all those in the NBA, seventy

827
00:42:48,120 --> 00:42:52,600
Speaker 1: percent of all those in professional football bankrupt five years

828
00:42:52,640 --> 00:42:55,000
Speaker 1: after retirement two.

829
00:42:56,520 --> 00:42:57,040
Speaker 6: Two years.

830
00:42:57,560 --> 00:43:00,680
Speaker 1: Thank you, Ojoe, you know better than me being conservative

831
00:43:01,360 --> 00:43:04,799
Speaker 1: and by the way, and then your wife leaves you. Yeah,

832
00:43:04,920 --> 00:43:08,400
Speaker 1: So this is if your outflows need your inflow, and

833
00:43:08,440 --> 00:43:09,960
Speaker 1: your orea is going to be your downfall. If you've

834
00:43:09,960 --> 00:43:11,840
Speaker 1: made all this money your whole life and you're now

835
00:43:11,960 --> 00:43:15,439
Speaker 1: used to be fettering you, protecting you, serving you, giving

836
00:43:15,440 --> 00:43:18,320
Speaker 1: you a paycheck, right, and then the paychock stops with

837
00:43:18,440 --> 00:43:22,040
Speaker 1: your lifestyle is at a point where the bills keep

838
00:43:22,120 --> 00:43:25,239
Speaker 1: coming and everybody else around you expects you to fund

839
00:43:25,280 --> 00:43:27,000
Speaker 1: their lifestyle and you're not doing them a favor. By

840
00:43:27,040 --> 00:43:30,440
Speaker 1: the way, all this posse that you're funding, you're not

841
00:43:30,560 --> 00:43:32,920
Speaker 1: doing them a favor because they can't take care of themselves.

842
00:43:33,360 --> 00:43:36,200
Speaker 1: You need people to be self reliant. Give them a handout,

843
00:43:36,280 --> 00:43:38,440
Speaker 1: not a handout, and then when you need help, they

844
00:43:38,480 --> 00:43:41,440
Speaker 1: can't come to help you because you're the source. So

845
00:43:41,600 --> 00:43:43,759
Speaker 1: we've got to get our mind rights, because even when

846
00:43:43,800 --> 00:43:46,359
Speaker 1: those who are succeeding at the top of their game

847
00:43:47,440 --> 00:43:52,000
Speaker 1: aren't using an opportunity to turn an income into wealth

848
00:43:52,640 --> 00:43:55,560
Speaker 1: that that pays you when you're sleep. So you can

849
00:43:55,600 --> 00:44:00,800
Speaker 1: be Reggie Jackson, you can be Magic Johnson. You Michael Jordan,

850
00:44:01,000 --> 00:44:03,600
Speaker 1: you can be Shannon's there's you know, there's a whole

851
00:44:03,680 --> 00:44:06,560
Speaker 1: list of the folks that he's done, is right, Hey, John,

852
00:44:06,600 --> 00:44:08,359
Speaker 1: I need a couple of those cars that Richie got.

853
00:44:09,760 --> 00:44:16,319
Speaker 8: You know, Regie, Reggie's balling many he is, he's John.

854
00:44:16,400 --> 00:44:18,480
Speaker 2: Thank you so much. I really appreciate that, man. I'll

855
00:44:18,520 --> 00:44:19,759
Speaker 2: be in touch with you. You know, you and I

856
00:44:19,920 --> 00:44:21,880
Speaker 2: we talked. We don't get together and do the have

857
00:44:22,040 --> 00:44:25,319
Speaker 2: a chew the fat, sit down and do some business together.

858
00:44:25,360 --> 00:44:25,440
Speaker 1: Bro.

859
00:44:25,480 --> 00:44:27,800
Speaker 2: I really appreciate what you're doing for our community and

860
00:44:28,040 --> 00:44:31,120
Speaker 2: uh and and part and partaking wisdom on our chat tonight.

861
00:44:31,200 --> 00:44:32,239
Speaker 2: So I greatly appreciate that.

862
00:44:32,360 --> 00:44:35,600
Speaker 1: Man. My my pleasure sending you love and light everybody.

863
00:44:35,680 --> 00:44:37,320
Speaker 1: Go out and get financial literacy for all is my

864
00:44:37,400 --> 00:44:38,840
Speaker 1: newest book, Piece of Light, and go get it. Go

865
00:44:38,840 --> 00:44:40,720
Speaker 1: get an operational was counseling. I'll give you one thousand

866
00:44:40,760 --> 00:44:43,120
Speaker 1: dollars free scholarships to go to Operation show get a

867
00:44:43,280 --> 00:44:44,600
Speaker 1: year's worth of coaching and counseling.

868
00:44:44,680 --> 00:44:46,279
Speaker 6: So don't say that Shannon didn't do anything for you.

869
00:44:46,400 --> 00:44:49,320
Speaker 6: Shannon and ochell single, thank you, boss.

870
00:44:49,560 --> 00:44:55,680
Speaker 2: You appreciate that. That was a John O'Brien. He's brilliant,

871
00:44:55,680 --> 00:44:58,319
Speaker 2: o Joe. I mean the way he can lay out

872
00:44:58,360 --> 00:45:01,640
Speaker 2: the way he can explain it to you what you

873
00:45:01,680 --> 00:45:03,239
Speaker 2: should buy, and that's what you have to do. You know,

874
00:45:03,320 --> 00:45:05,439
Speaker 2: people like, well, I ain't got no money. It's funny,

875
00:45:05,440 --> 00:45:06,800
Speaker 2: you ain't got no money, but you got money to

876
00:45:06,800 --> 00:45:09,360
Speaker 2: stop buy Starbucks drive through every day and buy a

877
00:45:09,480 --> 00:45:12,279
Speaker 2: five dollars or a seven dollars take Yeah, you got

878
00:45:12,360 --> 00:45:14,359
Speaker 2: money to do that. You got money. You got money

879
00:45:14,400 --> 00:45:18,440
Speaker 2: to go on all these vacations. I've never understood borring

880
00:45:18,560 --> 00:45:20,800
Speaker 2: money to go on a vacation. I never understood that,

881
00:45:20,800 --> 00:45:23,480
Speaker 2: o Jo. Maybe that's just me. I'm not gonna go

882
00:45:23,600 --> 00:45:25,960
Speaker 2: on if I can't go and pay for it. I'm

883
00:45:25,960 --> 00:45:27,360
Speaker 2: not finna go into DAP to do it.

884
00:45:27,760 --> 00:45:29,680
Speaker 6: Yeah. And you know, one of the things I've always had.

885
00:45:29,760 --> 00:45:30,120
Speaker 6: You noticed.

886
00:45:30,160 --> 00:45:31,880
Speaker 7: I know you were talking about you don't go on vacation,

887
00:45:32,400 --> 00:45:35,080
Speaker 7: But I also don't go on vacation until I put

888
00:45:35,120 --> 00:45:35,879
Speaker 7: in some type of work.

889
00:45:36,200 --> 00:45:38,359
Speaker 6: I see people listening, there's nothing wrong with that. If

890
00:45:38,400 --> 00:45:40,040
Speaker 6: there's nothing wrong with that, just my mindset.

891
00:45:40,040 --> 00:45:42,600
Speaker 7: It's a little different unless I when I think about

892
00:45:42,640 --> 00:45:45,759
Speaker 7: going on vacation, vacation. To me, the reason for going

893
00:45:45,760 --> 00:45:47,920
Speaker 7: on vacation is because I put in a certain amount

894
00:45:47,920 --> 00:45:49,960
Speaker 7: of work and the body needs to reset.

895
00:45:51,000 --> 00:45:52,120
Speaker 1: I need to have a.

896
00:45:53,640 --> 00:45:57,160
Speaker 6: Mental lapse of just of calmness, and peace. Yes, I

897
00:45:57,280 --> 00:45:58,560
Speaker 6: just going on a vacation, just to be going on

898
00:45:58,560 --> 00:46:00,120
Speaker 6: a vacation, just take pictures.

899
00:46:00,040 --> 00:46:00,399
Speaker 1: Have fun.

900
00:46:00,880 --> 00:46:03,719
Speaker 6: I never saw the point in that. But Joe, that

901
00:46:03,880 --> 00:46:04,600
Speaker 6: is me personally.

902
00:46:05,080 --> 00:46:07,239
Speaker 2: Can I ask you a question, How can I go

903
00:46:07,320 --> 00:46:09,800
Speaker 2: on vacation and I worried the whole time? How the

904
00:46:09,840 --> 00:46:14,080
Speaker 2: hell I'm gonna pay for this? That ain't no that

905
00:46:14,120 --> 00:46:16,480
Speaker 2: ain't no peace, So choke. I mean, I've got to

906
00:46:16,520 --> 00:46:19,080
Speaker 2: get away, like I ain't got a worry in the world.

907
00:46:19,320 --> 00:46:21,160
Speaker 2: I know when I get back, I still got I

908
00:46:21,160 --> 00:46:23,480
Speaker 2: got my mortgage is gonna be paid, the car payment's

909
00:46:23,480 --> 00:46:26,839
Speaker 2: gonna be paid, X amount of money going to savings, YadA, YadA, YadA.

910
00:46:27,160 --> 00:46:30,960
Speaker 2: I don't have to worry about paying for this vacation.

911
00:46:31,360 --> 00:46:33,560
Speaker 2: If I'm on the vacation and I'm like, oh, Lord,

912
00:46:33,640 --> 00:46:37,239
Speaker 2: have mercy, who I probably showed probably shit to come

913
00:46:37,360 --> 00:46:39,920
Speaker 2: And I hear people say, oh, I don't know how

914
00:46:39,960 --> 00:46:41,600
Speaker 2: I pay for this, but I worry about that later.

915
00:46:41,840 --> 00:46:46,120
Speaker 2: Huh Yeah, you think that that charge is gonna magically

916
00:46:46,160 --> 00:46:49,640
Speaker 2: disapprow on your credit card and they charge I don't

917
00:46:49,640 --> 00:46:51,279
Speaker 2: know what credit card rate is because I pay all

918
00:46:51,320 --> 00:46:54,200
Speaker 2: my probably what what's credit card rate? Fifteen twenty percent

919
00:46:55,280 --> 00:46:57,640
Speaker 2: and you paying You got a five ten thousand dollars

920
00:46:57,640 --> 00:46:59,640
Speaker 2: credit card and you sending in two hundred dollars a money.

921
00:47:02,040 --> 00:47:04,359
Speaker 2: What the hell you gonna do? You'll kid somebody else

922
00:47:04,360 --> 00:47:05,200
Speaker 2: gonna be paying that off.

923
00:47:06,640 --> 00:47:08,399
Speaker 7: It all starts one of one of the key things

924
00:47:08,440 --> 00:47:10,560
Speaker 7: that he did say that I always talk about. I

925
00:47:10,600 --> 00:47:12,600
Speaker 7: mean those that have followed me throughout the years. I

926
00:47:12,640 --> 00:47:15,920
Speaker 7: always talk about financial literacy and having a discipline. If

927
00:47:15,960 --> 00:47:17,840
Speaker 7: you don't have discipline, it doesn't matter what amount of

928
00:47:17,880 --> 00:47:21,399
Speaker 7: money they give you, you're gonna run through. You're gonna

929
00:47:21,440 --> 00:47:23,880
Speaker 7: run through it. That's why that argument on Twitter happens

930
00:47:24,000 --> 00:47:26,440
Speaker 7: every every so often when youven talk about credit score

931
00:47:26,680 --> 00:47:28,719
Speaker 7: and a certain amount of money, and I see all

932
00:47:28,760 --> 00:47:31,120
Speaker 7: the Twitter go with, oh, I want this amount of

933
00:47:31,160 --> 00:47:32,759
Speaker 7: money because where it is, I'm gonna just pay it

934
00:47:32,800 --> 00:47:34,319
Speaker 7: off and then I'm gonna flip it and I'm gonna

935
00:47:34,320 --> 00:47:37,160
Speaker 7: do this. It got all these ideas not really understanding

936
00:47:37,600 --> 00:47:38,760
Speaker 7: that's not how it works.

937
00:47:39,040 --> 00:47:40,480
Speaker 2: Oh Joe, remember I told you the story I was

938
00:47:40,520 --> 00:47:43,080
Speaker 2: in the NFL if I credit was so bad I

939
00:47:43,120 --> 00:47:43,839
Speaker 2: couldn't get a car.

940
00:47:44,680 --> 00:47:46,279
Speaker 6: Yoh yeah yeah, yeah, yeah, yeah yeah yeah.

941
00:47:46,440 --> 00:47:52,160
Speaker 2: Prime example, I couldn't get a car, and so I mean, now,

942
00:47:52,280 --> 00:47:54,680
Speaker 2: if you got if you want to pay cash from everything,

943
00:47:54,960 --> 00:47:59,239
Speaker 2: they're graciously accept it. But nah, if I got that

944
00:47:59,320 --> 00:48:01,600
Speaker 2: kind of cash, put it away. I want to put

945
00:48:01,640 --> 00:48:03,440
Speaker 2: a large portion of the way and let it work

946
00:48:03,520 --> 00:48:05,680
Speaker 2: for me because I know I'm gonna get somewhere between

947
00:48:05,719 --> 00:48:08,799
Speaker 2: four and eight percent. Yeah, I ain't trying to say

948
00:48:08,840 --> 00:48:10,440
Speaker 2: I ain't trying to pay no car. I ain't trying

949
00:48:10,440 --> 00:48:12,040
Speaker 2: to put two one thousand dollars playing a car for

950
00:48:12,040 --> 00:48:13,919
Speaker 2: at two hundre thousand dollars or having a car called

951
00:48:13,960 --> 00:48:16,480
Speaker 2: thirty thousand, forty thousand, or pay or I want to

952
00:48:16,520 --> 00:48:18,160
Speaker 2: get a house and I gotta pay for the whole house,

953
00:48:18,200 --> 00:48:20,600
Speaker 2: pay it off, or how to get some nah hell

954
00:48:20,760 --> 00:48:24,319
Speaker 2: nah no, that's just me. But uh, John, we really

955
00:48:24,360 --> 00:48:27,960
Speaker 2: appreciate you, hopefully chat you enjoyed that conversation about how

956
00:48:28,000 --> 00:48:32,400
Speaker 2: to you know, financial, be financially and physcally responsible because

957
00:48:32,400 --> 00:48:33,840
Speaker 2: at the end of the day, ain't nobody coming to

958
00:48:33,920 --> 00:48:36,640
Speaker 2: save you. Now, you you can hope, you can hope,

959
00:48:36,960 --> 00:48:39,799
Speaker 2: and we not. We're not doing political Ay, I've made

960
00:48:39,880 --> 00:48:43,200
Speaker 2: peace with the decision that the American public made on

961
00:48:43,360 --> 00:48:47,120
Speaker 2: November that second that second Tuesday in November. I've made

962
00:48:47,160 --> 00:48:50,800
Speaker 2: peace with that. I ain't. I ain't gonna work my

963
00:48:50,920 --> 00:48:53,800
Speaker 2: nerves up. These four years gonna go by the breeze,

964
00:48:54,239 --> 00:48:56,759
Speaker 2: just like the last four years and the four years

965
00:48:56,840 --> 00:48:58,960
Speaker 2: before that. So y'all can get all up saying and

966
00:48:58,960 --> 00:49:00,520
Speaker 2: talk about, Oh, I don't know what I'm gonna do.

967
00:49:00,880 --> 00:49:02,480
Speaker 2: I know what I'm gonna do. I'm gonna keep my

968
00:49:02,560 --> 00:49:06,040
Speaker 2: head down. I'm gonna keep my ears closed, and I'm

969
00:49:06,040 --> 00:49:08,560
Speaker 2: gonna go to work. That's what I'm gonna do.

970
00:49:08,800 --> 00:49:08,920
Speaker 1: Now.

971
00:49:09,000 --> 00:49:10,759
Speaker 2: I don't know what y'all gonna do, but I'm gonna

972
00:49:10,760 --> 00:49:12,799
Speaker 2: tell you what Shannon Sharan's gonna do. That's what I'm

973
00:49:12,840 --> 00:49:15,399
Speaker 2: gonna do. And when these four years is up, i'm

974
00:49:15,400 --> 00:49:17,040
Speaker 2: gonna look up. There's gonna be somebody to come in

975
00:49:17,360 --> 00:49:19,600
Speaker 2: make a whole lot of promises and they don't deliver.

976
00:49:19,920 --> 00:49:21,920
Speaker 2: Some people are gonna get delivered up. That's gonna get

977
00:49:21,920 --> 00:49:24,920
Speaker 2: delivered on, and some people are not. But y'all keep

978
00:49:24,960 --> 00:49:28,479
Speaker 2: worrying about this. I ain't worried about it. I can't.

979
00:49:28,680 --> 00:49:31,640
Speaker 2: I can't. I can't work my nerves up. I've made

980
00:49:31,680 --> 00:49:32,080
Speaker 2: peace with it.

981
00:49:32,200 --> 00:49:32,520
Speaker 6: O yoe.

982
00:49:32,800 --> 00:49:35,839
Speaker 2: I think they should also all your other Eagles are

983
00:49:36,120 --> 00:49:41,520
Speaker 2: selling snow from their playoff win. They're boxing up the snow,

984
00:49:42,160 --> 00:49:43,759
Speaker 2: put it in. I mean, they put it a little

985
00:49:44,000 --> 00:49:46,120
Speaker 2: container and you can buy it. I think it's nine

986
00:49:46,239 --> 00:49:47,480
Speaker 2: ninety nine, seven ninety nine.

987
00:49:48,400 --> 00:49:51,319
Speaker 6: Is that too much, O Joe, Yeah, that's that's too much.

988
00:49:51,640 --> 00:49:55,919
Speaker 7: That's too much because listen, but one of the fans Philadelphia,

989
00:49:56,320 --> 00:49:58,640
Speaker 7: the culture in general, they should be used to winning

990
00:49:58,680 --> 00:49:58,960
Speaker 7: by now.

991
00:50:00,040 --> 00:50:00,759
Speaker 6: You used to win in boy.

992
00:50:00,800 --> 00:50:05,360
Speaker 7: Now we're having the snow and there's no point because

993
00:50:06,000 --> 00:50:09,279
Speaker 7: being contention every year, you're gonna be contention every year.

994
00:50:09,440 --> 00:50:13,560
Speaker 7: Jeffrey Lewie and everyone else who is responsible putting that

995
00:50:14,160 --> 00:50:18,320
Speaker 7: team together, they're always going to be in contention because

996
00:50:18,560 --> 00:50:21,200
Speaker 7: those that are at the top know what the hell

997
00:50:21,239 --> 00:50:22,200
Speaker 7: they're goddamn doing.

998
00:50:22,360 --> 00:50:25,880
Speaker 2: Oh oh joy. They're selling it for fifty dollars, the

999
00:50:26,000 --> 00:50:30,200
Speaker 2: snow fitted fitted bucks what you.

1000
00:50:30,480 --> 00:50:30,920
Speaker 1: No, man?

1001
00:50:31,320 --> 00:50:35,200
Speaker 7: I mean, it's cool, but there's no point. There's no point,

1002
00:50:35,320 --> 00:50:38,200
Speaker 7: y'all gonna be back in the NFC Championship again. Depending

1003
00:50:38,239 --> 00:50:40,160
Speaker 7: on the color of jersey we wore, you know, I

1004
00:50:40,200 --> 00:50:43,960
Speaker 7: would change my chint shrap. Yeah, a black chest shrap.

1005
00:50:44,080 --> 00:50:45,919
Speaker 7: Sometimes I have an orange chinch strap and I would

1006
00:50:45,920 --> 00:50:49,200
Speaker 7: wear the orange shoes you once. Remember everybody's shoes had

1007
00:50:49,239 --> 00:50:52,080
Speaker 7: the match. Even back then, everybody had the same color.

1008
00:50:52,120 --> 00:50:52,400
Speaker 6: Scheme.

1009
00:50:53,120 --> 00:50:56,399
Speaker 7: I go, so I would, I would, I would take

1010
00:50:56,440 --> 00:50:59,000
Speaker 7: the fine. I would take the fine. And then it

1011
00:50:59,040 --> 00:51:01,319
Speaker 7: got to a point, like you're six or seven, they

1012
00:51:01,360 --> 00:51:03,520
Speaker 7: will call down to David Folch.

1013
00:51:03,600 --> 00:51:04,560
Speaker 6: Remember David Folcher.

1014
00:51:05,160 --> 00:51:07,600
Speaker 2: Yeah, no, fool yeah, I played against me thirty three

1015
00:51:07,640 --> 00:51:09,000
Speaker 2: with the Bengal y'all played against you?

1016
00:51:09,280 --> 00:51:11,879
Speaker 6: Was are what do you call the guy that comes out?

1017
00:51:12,000 --> 00:51:17,239
Speaker 2: And uh he was the uh what the uniform guy?

1018
00:51:17,400 --> 00:51:19,040
Speaker 2: Uniful guy got so listen.

1019
00:51:19,120 --> 00:51:21,000
Speaker 7: He would tell me during pre game and say, listen,

1020
00:51:21,360 --> 00:51:23,840
Speaker 7: oh show now you know they're looking at you.

1021
00:51:23,920 --> 00:51:25,680
Speaker 6: They're looking at you. And I spoke to that. You know,

1022
00:51:25,719 --> 00:51:27,520
Speaker 6: I take the towe, I take the stream. I cut

1023
00:51:27,600 --> 00:51:30,480
Speaker 6: the towel and had a long stream of hanging. He said,

1024
00:51:31,080 --> 00:51:33,120
Speaker 6: that's not that's not an if issue. They're gonna get

1025
00:51:33,160 --> 00:51:35,759
Speaker 6: you for that streamer. I say, folks, man, y'all make minds.

1026
00:51:35,800 --> 00:51:38,080
Speaker 7: Well, go ahead and find me now, because I'm from

1027
00:51:38,080 --> 00:51:40,120
Speaker 7: the wettest tower in these orange poets.

1028
00:51:39,840 --> 00:51:43,560
Speaker 6: Of orange chin strap. I'm from the web that too, man.

1029
00:51:43,640 --> 00:51:45,319
Speaker 6: It got to the point in your six or seven.

1030
00:51:45,680 --> 00:51:48,120
Speaker 7: They were the league office will call in the middle

1031
00:51:48,160 --> 00:51:50,839
Speaker 7: of the game and say I will be removed from

1032
00:51:50,880 --> 00:51:52,080
Speaker 7: the game unless I take.

1033
00:51:52,000 --> 00:51:56,120
Speaker 6: Those shoes off, unless I dream off was right Chin Street.

1034
00:51:56,120 --> 00:52:00,000
Speaker 6: I'm like, what the hell? Yeah, this is yeah, Moovie

1035
00:52:00,160 --> 00:52:02,919
Speaker 6: got to Oh yeah.

1036
00:52:03,040 --> 00:52:04,879
Speaker 2: They made me o Joe because I had a pat

1037
00:52:05,000 --> 00:52:07,640
Speaker 2: leather shoes. So the shoes was like white blue and

1038
00:52:07,680 --> 00:52:11,640
Speaker 2: on where you can only have two colors, you can

1039
00:52:11,719 --> 00:52:14,400
Speaker 2: only have two colors, so they made me cover up

1040
00:52:14,440 --> 00:52:16,200
Speaker 2: one of the colors so you can cover. I don't

1041
00:52:16,239 --> 00:52:17,799
Speaker 2: care what color it is, but you're gonna come up

1042
00:52:17,840 --> 00:52:21,840
Speaker 2: one of them. I'm like, I just want to know

1043
00:52:23,320 --> 00:52:25,759
Speaker 2: what is the What is I say, the shoe? I say,

1044
00:52:25,840 --> 00:52:28,360
Speaker 2: everything matches, y'all make it seem like I got I

1045
00:52:28,440 --> 00:52:30,759
Speaker 2: got on a blue and OI uniform and I got

1046
00:52:30,840 --> 00:52:32,919
Speaker 2: on a red pair of cleves or something. I said,

1047
00:52:32,960 --> 00:52:37,960
Speaker 2: come on, guys, it's like, hey, sharp, I don't make

1048
00:52:38,000 --> 00:52:38,359
Speaker 2: the rules.

1049
00:52:38,360 --> 00:52:39,040
Speaker 6: I just work here.

1050
00:52:39,760 --> 00:52:41,319
Speaker 2: And I used to have a I have a blue chair.

1051
00:52:41,320 --> 00:52:43,160
Speaker 2: I had a blue chair strap, so that rule was

1052
00:52:43,160 --> 00:52:45,160
Speaker 2: implemented after I left Ojoe because I had a blue

1053
00:52:45,440 --> 00:52:48,920
Speaker 2: blue chest strap. Basically my entire career and if you

1054
00:52:49,000 --> 00:52:51,520
Speaker 2: go back and look my chant strap. I never buttoned

1055
00:52:51,560 --> 00:52:53,160
Speaker 2: my full chair drap. It was never off.

1056
00:52:53,239 --> 00:52:55,279
Speaker 6: I always kept my hanging on the right one hanging.

1057
00:52:55,480 --> 00:52:56,160
Speaker 6: I did listen.

1058
00:52:56,480 --> 00:52:58,759
Speaker 7: I saw Prime do it, so I was I did

1059
00:52:58,800 --> 00:53:01,080
Speaker 7: it on offer, that's why, mahem. But always flying off.

1060
00:53:01,440 --> 00:53:03,239
Speaker 7: I never I never buttoned the last one.

1061
00:53:04,120 --> 00:53:07,280
Speaker 2: Both of mine was hanging. They're like button that chain strap.

1062
00:53:07,320 --> 00:53:10,440
Speaker 2: I was like, no, something bagle happen. I buttoned this

1063
00:53:10,520 --> 00:53:12,600
Speaker 2: chain scrap some bag of help. I'm gonna swing on

1064
00:53:12,680 --> 00:53:21,239
Speaker 2: you official mm hmm

1065
00:53:25,719 --> 00:53:25,879
Speaker 1: Vo