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Speaker 2: O Choe, you got to listen to this baby mama
Speaker 2: who blocked her income and child support payments. Chad, take
Speaker 2: a listen to this.
Speaker 4: Heke child support payments from him?
Speaker 2: Do you?
Speaker 1: Yes?
Speaker 4: Elie said, blocking on venmo he should?
Speaker 5: That makes it so much easier on him to just
Speaker 5: venmo me instead of going to the bank. She's doing
Speaker 5: everything the easiest that it can possibly be done for Chase,
Speaker 5: and he's done that the whole time.
Speaker 4: Weaping, Why would you not want it to be easy
Speaker 4: if he's going to send you money. Why would you
Speaker 4: not want.
Speaker 5: That to be easy for him because it takes one
Speaker 5: more thing off of Chase that he has to do.
Speaker 4: You don't take child support.
Speaker 2: Let that forget you, she said, because it's easy, he
Speaker 2: should have to go to the bank and get the
Speaker 2: money and bring it black, basically bring it to her.
Speaker 2: So she when he been MoES it ben more the money,
Speaker 2: she blocks the papers and then say, if I ain't
Speaker 2: getting child support.
Speaker 6: I don't understand. What's the point what is she doing?
Speaker 2: She doesn't. She said it's too easy for him them
Speaker 2: to make child support payments by ben mowing.
Speaker 7: So she wants it to be a little bit more
Speaker 7: difficult on him to Yes, well that that makes absolutely
Speaker 7: no sense.
Speaker 6: Honey, No shit. I wonder what the rooting was in
Speaker 6: that case.
Speaker 2: You can't block, Oh Joe, he's paying. You can't say
Speaker 2: he's not playing when you blocking.
Speaker 6: The pavement big time, big time.
Speaker 2: I'm like, I had to listen to it again. She
Speaker 2: was like, because it's so easy for him, and he's
Speaker 2: he's always doing the easiest thing possible. Yeah, I mean,
Speaker 2: oh Joe, how many people have direct deposit on their
Speaker 2: bills because everybody got tired of writing checks, filling it out,
Speaker 2: put it in the mail, putting a stamp on it.
Speaker 2: Just say, you know what, we could just take this
Speaker 2: out every month and be done with it. Oh yeah, babe,
Speaker 2: you got to move on. He done moved on with
Speaker 2: his life. That sounds like a woman that's upset that
Speaker 2: the child's father or ex husband or whatever it may be,
Speaker 2: has moved over.
Speaker 7: What's happen when you still have feelings, when you're a
Speaker 7: little bitter, when you're a little bitter, because if you're
Speaker 7: not bitter, you let everything.
Speaker 6: Happen very smoothie.
Speaker 7: So you don't have any any type of situation.
Speaker 6: Oh you have no?
Speaker 7: No, I don't not combativeness. What's the word I'm looking for? Yeah,
Speaker 7: I'm looking forward. I really can't find it. Talk yeah yeah.
Speaker 2: Yeah, auto pay, I ain't got no auto Well I
Speaker 2: do got auto pay, but surely set that up. Great guy,
Speaker 2: great financial guy. Have some great ideas of how and
Speaker 2: what you should do if you get some money, how
Speaker 2: you could save your money. He and I had a
Speaker 2: great conversation talking about He told me like, if your
Speaker 2: assets are oh your ass you not said so without it,
Speaker 2: without any further ado let's give it up. Good friend,
Speaker 2: John Hobrien, John, how.
Speaker 6: You doing all good? My man?
Speaker 2: Good to be with you, Good to be with you.
Speaker 2: So uh. A couple of weeks ago, you did you
Speaker 2: know what?
Speaker 1: You know?
Speaker 6: You know what?
Speaker 1: You know what the ladies, the ladies had talked to
Speaker 1: me about you since you were at the forum, and
Speaker 1: they said, you know, you know what the biggest thing
Speaker 1: on Shannon Sharp is I was like, well, I don't
Speaker 1: know if I'm the answer this question. And the biggest
Speaker 1: thing on Shannon Shark is credit score, credit score. He's
Speaker 1: got an eight hundred credit score. Credit said, this brother's
Speaker 1: making smart sexy. We've been making dumb sexy for way
Speaker 1: too long. We've bound down and celebrated it. It's time
Speaker 1: to make smart sexy again. You want to impress me,
Speaker 1: give me a get an A in math? You want
Speaker 1: to impress me. Don't just be cute when you.
Speaker 2: Go to the cloth to night.
Speaker 1: When you go to clothe to night, ask her her name?
Speaker 1: Yeah you finally, and then what's your credit score? That's
Speaker 1: your partner for life?
Speaker 6: Anyway.
Speaker 8: I heard that you're a very high credit score, Shannon.
Speaker 8: Close to you, brother Sam. I'm trying to get it
Speaker 8: back to a fifty. I'm trying to get it back
Speaker 8: to a fifty. It's been real slow to get back
Speaker 8: to get it back up there, but I'm trying.
Speaker 7: Yeah, hey, brother John, I'm glad you opened up with that.
Speaker 7: I'm glad you opened up with a credit score thing
Speaker 7: for the people that are in the chat. And I
Speaker 7: see this discourse many times, especially on Twitter, where people
Speaker 7: are always arguing. There'll be a question which you're rather
Speaker 7: eight hundred credit score or a certain amount of money,
Speaker 7: and it'll be a lot of money.
Speaker 6: Let's say just a million dollars, so it might be.
Speaker 7: And every time on Twitter they arguing for hours and
Speaker 7: hours at a time, and everybody chooses a certain amount
Speaker 7: of money as opposed to a credit score. For those
Speaker 7: that are in the chat, can you please explain to
Speaker 7: them how important it is to have a credit score
Speaker 7: over any amount of money.
Speaker 6: People don't.
Speaker 7: People see the dollar figures and the amount of money
Speaker 7: and they forget credit.
Speaker 6: I want a lump some more money.
Speaker 1: Yeah, Ambassador Andrew Young who was doctor was doctor King
Speaker 1: by the way. Good to see Chah, God bless you man.
Speaker 1: Both of you guys are legends. When and bashelor Young
Speaker 1: was on that balcony with doctor Kingley.
Speaker 6: He was assassinated.
Speaker 1: He's also built the city I'm in now, the only
Speaker 1: international city in the American South, the biggest economy in
Speaker 1: the South, the ten floers economy in the US.
Speaker 6: And he would say to live in.
Speaker 1: A system of free enterprise and not to understand the
Speaker 1: rules of free enterprise must be the very definition of slavery.
Speaker 1: So you make money, my boy, Tony wrestler, billionaire tod
Speaker 1: taught me this lesson. You make money during the day.
Speaker 1: The Atlanta Hawks for those who have just are sports fanatics.
Speaker 1: That's not why he made his money. That was originally
Speaker 1: his toy. It was just something to play with. Now
Speaker 1: it's worth billions. But he made his money in finance.
Speaker 1: Actually an Area's Managemer anyway, built his wealth. A really
Speaker 1: good guy. He says, you make your money during the day,
Speaker 1: you build wealth in your sleep. So this is similar situation.
Speaker 1: People become obsessed with the wrong thing. You asked a
Speaker 1: very good question. I want to get that cash, want
Speaker 1: to get this dollar, I want to get this bag.
Speaker 1: I want to give this money. I want to give
Speaker 1: the useless completely useless money has velocity. It's not stopping
Speaker 1: it will go and if you're financially illiterate, people who
Speaker 1: are literate will will separate you from that dollar. Ninety
Speaker 1: two percent of all GDP of blacks in America one
Speaker 1: point six one point seven trillion dollars we generate and
Speaker 1: spend every year, ninety two percent is consumption. So the
Speaker 1: man you want to call it that, he knows you
Speaker 1: just don't go spend it. They don't need to hire
Speaker 1: you to be the spokesman for Louis Vatan. You're gonna
Speaker 1: be a walking billboard for it anyway. They don't need
Speaker 1: to hire sports figures to be to be to be
Speaker 1: Gucci spoots, spots, spost people, and whatever the brands are.
Speaker 1: They don't wear it on anyway because our assets aren't
Speaker 1: all too often on our ass. So we have because
Speaker 1: we are with the rules of publishing, of playing for
Speaker 1: those level. We kill it special sports, the arts, politics, faith,
Speaker 1: the rules of published, and the playing for those level.
Speaker 1: But we have never been taught capitalism and free enterprise
Speaker 1: and financial literacy, which I consider to be financial literacy
Speaker 1: is a civil rights issue of this generation. So it's
Speaker 1: what you don't know that you don't know this killing
Speaker 1: you but you think you know so Now I'm going
Speaker 1: to drop a bomb here that makes the point that
Speaker 1: money in of itself is absolutely useless.
Speaker 6: If I gave a homeless guy, I was.
Speaker 1: Homeless of six months of my life when I was
Speaker 1: eighteen years old. It was economic homeless. Most homelessness is
Speaker 1: mental illness and depression and other things, drugs. If I
Speaker 1: if you give a homeless man a million dollars and
Speaker 1: do nothing else, Trump, He'll be broken six months because
Speaker 1: if nothing changes here, said and then nothing changes here values,
Speaker 1: then nothing's going to change here and here will walk
Speaker 1: away from your money, or somebody will walk away with
Speaker 1: your money.
Speaker 6: And we want to blame the man.
Speaker 1: But these bad contracts and in the music business and
Speaker 1: bad You signed it.
Speaker 6: The Klan didn't tell you to sign it.
Speaker 1: Nobody stell up your head with a butcher knife and
Speaker 1: said sign that contract.
Speaker 6: You said, y'all, I don't need to. I just want to.
Speaker 6: I just want to do the music. I just want to.
Speaker 6: I just want to play Baul. I don't want to
Speaker 6: mess around with that.
Speaker 1: It's the music business. It's the business of music. It's
Speaker 1: the sports business. It's the business of sports. And to
Speaker 1: say so, it so we are brilliant in so many ways.
Speaker 1: We've been doing so much with so little for so long.
Speaker 1: We can almost do any with nothing. But we were
Speaker 1: never taught financial literacy. There was a freedman's bank created
Speaker 1: in eighteen sixty five after the Civil War. Abraham Lincoln
Speaker 1: did it with Frederick Douglas, and he was killed the
Speaker 1: next month for that and promising blacks.
Speaker 6: A right to vote.
Speaker 1: The bank failed. We never would talk how money works.
Speaker 1: So in some ways it's not our fault. But we
Speaker 1: live in a capitalist democracy.
Speaker 6: So all these.
Speaker 1: Folks, seventy percent of those who win the lottery, seventy
Speaker 1: percent broke in five years.
Speaker 6: Wow, broke.
Speaker 1: So all this stuff about give me that money, give
Speaker 1: me that dotar. I mean, I'm gonna be really dramatic here.
Speaker 1: Let's take all the money in the world, including mine,
Speaker 1: including yours, including Shannon's, Chad. Let's take it because we're green.
Speaker 1: Really when I'm black, at this point, we're green.
Speaker 6: We've made it.
Speaker 1: Take all my money, with all with everybody else that's
Speaker 1: been money, the top three percent. We just made the
Speaker 1: whole world socialists now redistributed to everybody in the world equally.
Speaker 6: Within three years, we'll all have it back, yep.
Speaker 1: If you don't do anything else, we'll all have it
Speaker 1: back because somebody understands how capitalism and free enterprise and
Speaker 1: money works, and somebody's understand how to spend it. People
Speaker 1: say I can be a millionaire.
Speaker 6: I won't go broke. Yes you will. Millions go broke.
Speaker 1: A billionaire can go bro It's hard, but you can know,
Speaker 1: bro if your outflow sees your inflows in your overhead
Speaker 1: will be your downfall. What you really want is mindset knowledge.
Speaker 1: You know what I like about Shannon. He came into
Speaker 1: the whole global forum, we had the whole global form,
Speaker 1: and my man just was nosy. Ask Quincy Jones, how'd
Speaker 1: you get so smart? I'm just nosy as hell. I
Speaker 1: want to know everything about everything. He was nosy. He
Speaker 1: was all over in everybody's business, asking this daionaire question,
Speaker 1: asking that billionaire question, asking that CEO question, all up
Speaker 1: in my face, asking me questions, trying to learn.
Speaker 6: What he doesn't know.
Speaker 2: That I don't know what you don't know? Her John,
Speaker 2: let me ask you this, and I don't. I don't
Speaker 2: know if you know this off the top of your head.
Speaker 2: But I was reading like in the Jewish community, the
Speaker 2: dollar stays there like forty three forty five days, and
Speaker 2: the Asian community, it stays there like twenty days. In
Speaker 2: the white community is stayed they're like ten days, fifteen days.
Speaker 2: In the black community, it stayed there like two minutes.
Speaker 2: It's right, And that's what the pitstop. O Joe and
Speaker 2: I had a conversation. We've had a conversation. That old
Speaker 2: cho was like, yes, so Doc, if I gave somebody,
Speaker 2: if I gave a person three hundred and eighty thousand dollars,
Speaker 2: and that's all the money I ever they gave and
Speaker 2: they weren't working. They're twenty years old. Let's just say
Speaker 2: twenty five thirty. With that money last them a lifetime.
Speaker 6: We won't last them six months. Look, it happens every day.
Speaker 1: Is called lawsuit settlements. It happens every day. You know,
Speaker 1: you go to urban radio stage, listen, just have a
Speaker 1: real conversation. I mean, because Malcolm X said, we've been bamboozo,
Speaker 1: we've been tricked, we've been full, we've been hoodwinked. That
Speaker 1: applies to so much. President Bill Clinton once said, it's
Speaker 1: hard to guess, mighty agree to the truth on the
Speaker 1: line is paying their paycheck. Here the book ends us
Speaker 1: two statements and book ends hoodwing bamboozoo.
Speaker 2: Run them up.
Speaker 1: Yeah, the other comment, it's hard to get somebody agreed
Speaker 1: to the truth if a lias paying the paycheck. Now
Speaker 1: in the middle of financial illiteracy. Now you go to
Speaker 1: an urban radio station. Its focusing on our community and
Speaker 1: listen to the ads. As in the ads are pivot
Speaker 1: law firms, lawsuits, I mean high interest rate. Third, you know,
Speaker 1: the sea paper mortgages, seapaper auto loans is right there
Speaker 1: in broad daylight. I'm gonna go one step further, and
Speaker 1: so they get they get these settlements, slipping falls, whatever,
Speaker 1: you know, people running in front of cars and tripping.
Speaker 1: But by the way, criminals. AI is gonna make criminality
Speaker 1: really a bad business. These are bonyxies and artificial intelligence.
Speaker 1: You need to get a new gig. That day is
Speaker 1: soon and I mean next years over. But anyway, back
Speaker 1: to this point. You go to our neighborhood. You go
Speaker 1: to a place where we grew up, and here's what
Speaker 1: you see. Check casher next to a paydad on lender,
Speaker 1: next you renter owned store, next to a title linder,
Speaker 1: next to a liquor store next for pawnshop, a fast
Speaker 1: food store restaurant, and a church down the street. Try
Speaker 1: to make you feel a little bit better once a week.
Speaker 1: That's your neighborhood psychologists, that's your neighborhood strength. We don't
Speaker 1: want to admit we crazy. Oh, I can't go to
Speaker 1: a psychologist or a shrink. Somebody might think I'm crazy.
Speaker 1: If you black in America and don't think you're crazy,
Speaker 1: you're crazy. So we go there and hoop and holla.
Speaker 6: Used to. That's one of our problems.
Speaker 1: We don't go to church anymore. We don't have any
Speaker 1: spirituality anymore. That's a whole nother conversation. We've been really
Speaker 1: hoodwink now because now we think money's got, we think
Speaker 1: materialism is god. We think some rappers got anyway. So
Speaker 1: now the one place you could go and hoop and hollow,
Speaker 1: we don't go there anymore. That's so you don't go crazy. Now, literally,
Speaker 1: you're being pimped. A five hundred credit score neighborhood that
Speaker 1: all you see, the only place you see? Those places?
Speaker 1: Or is it a five hundred credit cocred neighborhood? By
Speaker 1: the way, black and brown urban or white rural? Now
Speaker 1: you go fifteen minutes away in every city in America.
Speaker 1: I mapped every zip code in America by credit score. Is
Speaker 1: I Hope Financial the Hope Financial Wellness Index, And can
Speaker 1: go my website and put you put you in your
Speaker 1: put in your zip code. I'll tell your credit score
Speaker 1: in your neighborhood, I tell you how you live in.
Speaker 1: You go fifteen minutes away from that zip code, and
Speaker 1: you're in a seven hundred credit score neighborhood in Chicago.
Speaker 1: I think it's Lincoln something. And then fifteen minutes from there,
Speaker 1: I think it's Garfield Park or something. Five hundred versus
Speaker 1: seven hundred, seve hundred versus five hundred.
Speaker 6: You go. You know, Atlanta's the same thing. La is
Speaker 6: the same thing every wherever you are now. And that's
Speaker 6: center of the Chriscore neighborhood.
Speaker 1: Two parent households, prime financy, seventy five percent home ownership rate,
Speaker 1: prime almost not existing, whole foods, sit down restaurants, proper businesses,
Speaker 1: mainstream banks, right fifteen minutes away a third world country.
Speaker 6: We think this is normal.
Speaker 1: This is why you cannot give somebody three hundred and
Speaker 1: fifty three hundred and eighty thousand dollars and think that
Speaker 1: they're gonna forget a lifetime. It won't last them a year,
Speaker 1: I said six months. I'll be gracious, it won't last.
Speaker 1: If your outflow seed your inflow, then your overhead will
Speaker 1: be your downfall. I'm gonna go one step further. We
Speaker 1: are brilliant. Black Americans are literally geniuses. We came here enslaved.
Speaker 1: My second great grandfather on my mother my dad's side,
Speaker 1: and my second great grandmother on my mother's side. Both
Speaker 1: my grandfather was a sharecropper. So I'm talking from the
Speaker 1: real place. We come from nothing. I got from the
Speaker 1: bottom cortele of poverty and compon in South Central to
Speaker 1: the top one percent in one lifetime because of what
Speaker 1: we're talking about in me understanding how this system actually works.
Speaker 1: Now we're brillian and we're geniuses. Imagine what would have happened,
Speaker 1: Ocho Senko, Imagine what happened, Shannon if we had a
Speaker 1: black Jewish business plan. Imagine what if we didn't have
Speaker 1: a forty percent home ownership. We go ahead, Shanne, were
Speaker 1: about to say.
Speaker 2: I wanted that. I want you to explain what that
Speaker 2: means and what that actually is.
Speaker 6: Yeah, on in something versus talking about something. You know.
Speaker 1: Poor people talk about other people. Wealthy people talk about
Speaker 1: their ideas. Go to a barbershop, go to the nelsalon
Speaker 1: in black community, I'm not talking about us. I'm helping
Speaker 1: her to help us listen to what we're talking about.
Speaker 1: We're talking about mostly other people.
Speaker 6: You go ahead, go.
Speaker 1: Ahead, ya, you are like your single By the way.
Speaker 6: Now, it doesn't matter what you call me. I'm answered.
Speaker 6: I have a question one of the things you just said.
Speaker 7: The others talk about their ideas and how they can
Speaker 7: work together. When it comes to us, we have a
Speaker 7: problem working together because we don't want to see each
Speaker 7: other win. We're always in competition with each other as
Speaker 7: opposed to other ethnicities, they're more so.
Speaker 6: Okay, if you.
Speaker 7: Had this idea, well i'm gonna pick you up. And
Speaker 7: then whoever's above him, well i'm gonna pick you up
Speaker 7: where they always they always work in unison. And a
Speaker 7: very small percentage of us want to see each other
Speaker 7: win or help us get to a level where we
Speaker 7: want to. All right, we want to see you win,
Speaker 7: you know, and I don't want to see I want
Speaker 7: to see Joe win, but I don't want to see
Speaker 7: him doing better than me would tell you why.
Speaker 1: Why low self esteem? So check this out if you're
Speaker 1: African American. By the way, there only there are only
Speaker 1: African American ghettos in America. There are places where Italians live,
Speaker 1: where Polish people live, there are places where Caribbean blacks live,
Speaker 1: there are places where Black Africans live. There are places.
Speaker 1: I want to make sure I put black people in this.
Speaker 1: But there's only African American ghettos in America, inner cities
Speaker 1: that are a magnet and a holding place for poverty.
Speaker 1: What's that to relate to, dude? When we people say, oh,
Speaker 1: African American y'all lazy, y'all non intelligence. Really, so you
Speaker 1: went four hundred years ago, halfway around the world in
Speaker 1: an agricultural economy to go get dummies from Africa and brought.
Speaker 6: Them all the way across the world.
Speaker 1: At incredible expense and brought them to America because we're stupid. No, no, no, no, no.
Speaker 6: We were a.
Speaker 1: Cultural geniuses of the land. I'm coming to your I'm
Speaker 1: coming to your point now. They had this soil in
Speaker 1: the American South that was a gold mine. It produced
Speaker 1: crops that were incredible gold mines, cotton and tobacco is
Speaker 1: gold mines. In fact, Haiti was the wealthiest, the wealthiest
Speaker 1: outpost for France in the world was Haiti. And that's
Speaker 1: a whole nother story that we get to it before
Speaker 1: we end, because that's the reason America exists is Haiti.
Speaker 1: But let me come back to this for a minute.
Speaker 1: So now they bring us over here, and they did.
Speaker 1: Guys as big as you and Shannon. Now, high self esteem, confidence,
Speaker 1: your tribal leaders, your chieftains. They captured you. They brought
Speaker 1: you here, but they got to beat the self esteem
Speaker 1: out of you. The first thing you gonna do is fight.
Speaker 1: You see your wife being abused, you see your children
Speaker 1: being sold off. I'm not trying to start a gettybody
Speaker 1: worked up and trying to explain to them how we
Speaker 1: get to this low self esteem. So they're abusing your wife,
Speaker 1: they're holding you down. It takes quite an eight people
Speaker 1: to hold Shannon death. They're holding them down just until
Speaker 1: he stops fighting, because that means he realizes he cannot
Speaker 1: do anything to help his wife. They broke his spirit,
Speaker 1: and not trying to break his body. They eat his body.
Speaker 1: They're trying to break his spirit. We're not human beings
Speaker 1: having a spiritual experience. We're spiritual beings having a human experience.
Speaker 1: Energy matters. So now they sold your kids off in
Speaker 1: a different direction. So you don't have any hope for
Speaker 1: that most dangerous personal role as a person.
Speaker 6: With no hope, they now.
Speaker 1: Abused your wife. You can't do any protect her. Now
Speaker 1: you just broke a broken man. Just with the way
Speaker 1: they need you. Now they put you to work building
Speaker 1: these crops. By the way, blacks and whites, poor blacks
Speaker 1: and whites were friends in the sixteen hundreds in Americans
Speaker 1: on the plantation. True fact is again somethings we wanted
Speaker 1: to which had to be a go deep on. But
Speaker 1: to answer your question, they had to break spirit. They
Speaker 1: had to keep you away from books. They had to
Speaker 1: not teach you financial literacy. They needed you to have
Speaker 1: confidence in in taking soil and bringing you back to life.
Speaker 1: What we were experts at Africa is hot, the soil
Speaker 1: dies all the time. We were geniuses of the land
Speaker 1: bringing it back to life. What's the largest attaped natural
Speaker 1: resource in the world today to this day, it's Africa.
Speaker 1: That's what everybody needs. By the way, Africa is the
Speaker 1: future to American demograpan world demographics because the youngest people
Speaker 1: in the world are in Nigeria. Anyway, back to this story.
Speaker 1: So now you got high confidence today, let's fast forward.
Speaker 1: Now African Americans were killing it in many, many sectors.
Speaker 1: We have incredible confidence because we're competent, but we have
Speaker 1: low self esteem. So if I don't like me, I'm
Speaker 1: not gonna like you. If I don't feel good about me,
Speaker 1: I'm not gonna feel good about you. If I don't
Speaker 1: respect me, don't expect me to respect you. If I
Speaker 1: don't love me, I don't have a clue how to
Speaker 1: love you. And here's a big one. If I don't
Speaker 1: have a purpose in my life, I want to make
Speaker 1: your life a living hell because whatever goes around comes
Speaker 1: around and hurt people.
Speaker 6: Hurt people. There you go with crab in the barrel.
Speaker 1: So now you have all these smart people who are
Speaker 1: hooked on cash, not building wealth, Hooked on giving it
Speaker 1: away versus collecting it, Hooked on transactions versus relationships, Hooked
Speaker 1: on what I got to get versus what I have
Speaker 1: to give. Being told religion isn't it important anymore? Forget
Speaker 1: about that in spirituality. Now the devil's got you when
Speaker 1: when you and Shannon get up in the morning and me,
Speaker 1: the devil says, oh shit, they're up.
Speaker 6: There's not enough of us. Because when you.
Speaker 1: Succeed, I love it, I applaud you. I don't have
Speaker 1: a self esteem problem. It's okay if you don't like me.
Speaker 2: I like me.
Speaker 6: So But self esteem and argance are two different things.
Speaker 6: So what do we need?
Speaker 1: Five pillars of success? So my last book is Financial
Speaker 1: Literacy for All is the bestseller. One before that was
Speaker 1: up from nothing before, six of them, but the one
Speaker 1: before that, upp nothing had five pillars. It's much education.
Speaker 1: You can shove down your throat. How do we reverse
Speaker 1: what we're talking about? Oh, single, there's much education. You
Speaker 1: can shut down your throat. That's why you see books
Speaker 1: all around me in my office. I'm always reading. That's
Speaker 1: why again, Shannon knows it, you're nosy.
Speaker 6: I love it.
Speaker 1: Number two, understanding how the language of money works. Financial
Speaker 1: literacy is as important as the right to vote as
Speaker 1: a four year education. A seven hundred credit score is
Speaker 1: as important as a four year college degree. Yes, I
Speaker 1: said it, And everybody who works with me as a
Speaker 1: college degree. And they better have a good credit score
Speaker 1: because you've never had a billionaire didn't do it on
Speaker 1: good debt. You never had a successful country or city
Speaker 1: that didn't do it on good debt. You cannot succeed
Speaker 1: unless you understand how the system works, and you need
Speaker 1: cheap access to good credit. Number three, you need self
Speaker 1: esteem and confidence. Number well, Number three you need it.
Speaker 1: We need family structure and resiliency. Number three. Number four
Speaker 1: you need self esteem and confidence. We just covered that.
Speaker 1: Number five you need models in the right environment. So
Speaker 1: why do our kids want to be raps stars, athletes
Speaker 1: and drug dealers with to the exclusion of everything else,
Speaker 1: Because that's all they see in our neighborhood as symbol
Speaker 1: is a success.
Speaker 6: We're not dumb and we're stupid. We're brilliant. We're modeling
Speaker 6: what we see.
Speaker 1: Let's give the kid something different to see. Let's widen
Speaker 1: their aperture. Let's let's make smart sexy again. Let's make
Speaker 1: forget black lives matter, Let's make black capitalists matter. Looking So,
Speaker 1: so that's why I say a black Jewish business plan
Speaker 1: the number one way you build wealth in America.
Speaker 6: Home ownership. What do we argue about endlessly because we.
Speaker 1: Forty one fortyty three percent of black people own a
Speaker 1: home compared to seventy five percent of our mainstream counterparts
Speaker 1: read White. The whole tax cold in America is designed
Speaker 1: to support credit scourse. I'm sorry, design to support home ownership.
Speaker 1: But we want to argue about John, and then somebody
Speaker 1: probably in the chat right now, we talking about we
Speaker 1: don't own the home.
Speaker 6: The bank owns a home if you don't pay.
Speaker 1: I mean, I can go with this all day. I
Speaker 1: like Matthews, it doesn't have an opinion. But no one
Speaker 1: taught us this. I mean, this is basic stuff. Three
Speaker 1: things have never gone down in value, stock market value,
Speaker 1: real estate values, and GDP of America gross domestic car
Speaker 1: and the history of America gone up. There was a
Speaker 1: recession and received it and corrected above the line every time.
Speaker 1: But John, let me ask you this. But here's the thing, though, John.
Speaker 2: You know, in order to really invest in the stock,
Speaker 2: you got to have what we call disposable income. If
Speaker 2: you're using check, if you live in check to check,
Speaker 2: If you got to pay a mortgage or rent, and
Speaker 2: you got to pay a card note and you got
Speaker 2: to play bills, that leaves you very little disposable income
Speaker 2: in order to put into the market. So Therefore they're
Speaker 2: why like a lot of people that don't have disposable income,
Speaker 2: it's hard for them to accumulate, forget generational wealth, just
Speaker 2: enough thing that when they retire, because I ain't really
Speaker 2: count No, I ain't really count, no medicaid, medicare to
Speaker 2: take care of She had a shark. So I'm just
Speaker 2: I'm just like, hey, that's gonna be overwere But when
Speaker 2: you don't, So how would one that has very little
Speaker 2: or marginal disposable income accumulate something that when they retire
Speaker 2: they have something? They have a nice little nest egg.
Speaker 6: So you got you don't have a self esteem problem?
Speaker 2: No, hell no, I love you won't have a problem when.
Speaker 6: I say to you that what you just said is wrong.
Speaker 1: Okay, Now when it comes to professional sports and the homewards,
Speaker 1: I got to come to you and just shut up.
Speaker 6: Because I don't know no clue. Okay, But there's.
Speaker 1: Occasionally occasionally I might have something that I can give.
Speaker 6: To you, and you just it was a beautiful setup
Speaker 6: that is just incorrect.
Speaker 1: My mother worked thirty two years and McDonald's aircraft, making
Speaker 1: fifteen dollars an hour. She died September with a million
Speaker 1: dollar networks. She had bought and sold seven homes. Her
Speaker 1: credit score like he was eight fifty four.
Speaker 6: I believe it was. He used to go over eight fifty.
Speaker 6: It was eight fifty four.
Speaker 1: So when so when somebody watching this says, well, Chanle,
Speaker 1: it just made a great point, and he didn't make
Speaker 1: a great point. Here you go, I don't have any
Speaker 1: and disposable income. You went to Starbucks last week looking cigarettes.
Speaker 1: If you go to small Starbucks three times a week
Speaker 1: and you've got a cigarette habit, that's six thousand dollars
Speaker 1: a year. You're making thirty six thousand dollars a year.
Speaker 1: That's twenty percent of your income. I'll let that sink
Speaker 1: in for a minute. The cigarettes on the box says
Speaker 1: this shit will kill you, Like I don't know if
Speaker 1: I can say that on your pocket.
Speaker 6: This stuff you'll kill you, all right, So stop smoking.
Speaker 1: Cigarettes and go get your curity machine at home and
Speaker 1: make your own coffee.
Speaker 6: You've now just recaptured three grand, two grand.
Speaker 2: Take that put it.
Speaker 1: Into by the way, don't even do that, just do
Speaker 1: just stop doing silly stuff like going to a fast
Speaker 1: food restaurant every other night. Took something at home and
Speaker 1: want by the way, it might extend your life because
Speaker 1: you cannot have a soul food diet for the rest
Speaker 1: of your life and lived at eighty years old.
Speaker 6: They're in no three hundred pounds eighty year olds.
Speaker 1: And that's a design of diet of was des die
Speaker 1: for slavery because they put them anyway, back to this.
Speaker 6: Point, the.
Speaker 2: Huh you could eat, You could eat like that where
Speaker 2: you were in those fields working fourteen dollars a day.
Speaker 1: You have to because they threw the They threw the
Speaker 1: worst parts of the animal our back as a disrespect
Speaker 1: to you. All you could do is turn it into
Speaker 1: a delacy. Okay, grits, hog moss, pig feet.
Speaker 2: Fried chick tailed neck, boxtails.
Speaker 6: I love ox shellig and we put so on all
Speaker 6: the meat so it didn't die in the heat.
Speaker 1: Right. Yes, you had to cure it. That's preserved it, right, right.
Speaker 1: So I love soul food twice a month, not three
Speaker 1: times a day. That's why black folks are inflamed. We're
Speaker 1: not fat, we are inflamed. Semi scent of all disease.
Speaker 1: My wife changes a wellness expert. You'll tell you seventy
Speaker 1: virusent of all disease live on inflammation, inflammation.
Speaker 6: What is it? Comes from? Bad environment, bad food.
Speaker 1: Back to this example, let's assume that you don't have
Speaker 1: about to say, crackad happen. You don't have a a
Speaker 1: dar Bucks with a cigarette alcohol. Yeah, listen, you don't
Speaker 1: have that. You're just wasting a little bit of money.
Speaker 1: Take twenty five dollars that you were going to go,
Speaker 1: spend whatever and do fractional share investment. Okay, you can
Speaker 1: buy a fraction of Warren Buffett's company, a twenty five
Speaker 1: dollars fraction of a share in Target, Tarja, Walmart, you know,
Speaker 1: wherever you whatever, you're dressed in, whatever you like, go
Speaker 1: buy that and do whatever you can for a five
Speaker 1: dollars ten dollars one you can do a dollar fractional share.
Speaker 6: Don't tell me what you cannot do.
Speaker 2: Earned it.
Speaker 1: So somebody watching this, you're about to give somebody some money.
Speaker 1: Somebody watching this, I'm gonna say, you gotta check coming
Speaker 1: to you because of Ocho, Sinko and Shannon Shark. You
Speaker 1: got to check five, six, ten, maybe twenty thousand dollars.
Speaker 1: It's called the EITC. People will say, what's that? The
Speaker 1: minute somebody in your chat says what's that. Congratulations. If
Speaker 1: you make less than sixty thousand dollars a year, which
Speaker 1: is half of this country, you just got a check
Speaker 1: from the federal government through Shannon Sharp and Ocho Sinko.
Speaker 6: It's called the EITC.
Speaker 1: If you make thirty eight thousand dollars a year, you
Speaker 1: live in a small town, you're listening to this podcast,
Speaker 1: you have three children. The government owes you a check
Speaker 1: for working. It's not a handout for seventy five hundred dollars,
Speaker 1: about seousand, seventy five hundred dollars.
Speaker 6: If you've never filed.
Speaker 1: It's retroactive for three years. That's twenty grand. One out
Speaker 1: of four Americans who qualify for it never even asked
Speaker 1: for it. That's twenty billion.
Speaker 6: Dollars a year.
Speaker 1: Shannon, Wow, that's black people. To be real clear, that's us.
Speaker 1: We don't have a tax pro We don't have anybody
Speaker 1: doing our taxes. So so, and if you're rinting for
Speaker 1: the same cause of a mortgage payment, you should be
Speaker 1: owning the house, renting to own. You're scared you're paying
Speaker 1: money uptown with people who don't like you. With money,
Speaker 1: you don't have to buy something you can't afford to
Speaker 1: be in some place. People, I don't want you there
Speaker 1: in a door man in a house that you're that
Speaker 1: I own.
Speaker 6: I'm the landlord. I'm literally the landlord. I'm I found.
Speaker 1: I'm the largest minority owner of single family rental homes
Speaker 1: in America.
Speaker 2: But I was I bought.
Speaker 1: I bought this company, Promise Homes. Company owned seven hundred
Speaker 1: homes between here and Florida. I sold most of the
Speaker 1: company in twenty twenty one. And I did that over
Speaker 1: five years. And I encourage people not to rent from me,
Speaker 1: Rent and get out, go buy a house. So it's
Speaker 1: a misnomer that you can't do this. Whether you believe
Speaker 1: you can or whether you believe you can't, you're right.
Speaker 1: Is a glass half full or is it half empty?
Speaker 1: Because he's looking at the glass. One thing I know
Speaker 1: about you too, you're optimists over the rounded, through it.
Speaker 1: You're gonna get to it. You're gonna run over somebody
Speaker 1: to do it.
Speaker 6: Is that right?
Speaker 1: Yeah, that's exactly what your listeners should be should be doing.
Speaker 1: Never say never, don't say I can't do this. It's
Speaker 1: impossible because I'm making a little money. No, you got
Speaker 1: to have the right habits. Most of success is hustle
Speaker 1: and good habits and optimism. Money's overrated. I never focus
Speaker 1: on money. I got more than I need. I never
Speaker 1: focus on it. I think it was on passion, purpose, authenticity.
Speaker 1: What what I I'm anyway?
Speaker 6: I'm trying. Look, I can move somebody's credit score.
Speaker 1: Listening to you, who's making forty thousand dollars a year,
Speaker 1: I can turn it into a homeowner in a year.
Speaker 6: I can get your credit score up in fifty four
Speaker 6: points in six months.
Speaker 1: To my whole financial coaching, I can get your debt
Speaker 1: down thirty eight hundred dollars, your savings up twelve hundred dollars.
Speaker 6: In six to eight months.
Speaker 1: I'm doing it through I have fifteen hundred offices at
Speaker 1: Operation Hope that do financial coaching for free inside of
Speaker 1: bank branches. So the bank then says yes to you
Speaker 1: to become a homeowner. I'm not talking theory to you, brother.
Speaker 1: I've done four and a half billion dollars. I've invested
Speaker 1: four and a half billion dollars in the black and
Speaker 1: brown neighborhoods through Operation Hope with exact stuff we're talking about.
Speaker 2: This is not theory, John. If we don't get you
Speaker 2: out of here on this What would be your one
Speaker 2: what would be your one best piece of advice you
Speaker 2: could give our chat tonight.
Speaker 1: Get off your rear end and stop complaining and stop whining,
Speaker 1: stop obsessing with stuff. Is like racism is like rain.
Speaker 1: It's either fall in some place or it's gathering. So
Speaker 1: get out an umbrella and the color of your life
Speaker 1: and start strolling through it. Because it's not going to change.
Speaker 1: It's been around since Jesus. It's not going to change.
Speaker 1: So you must get your hand right, get your mind right,
Speaker 1: get your spirit right, get your life right, get out
Speaker 1: of your own way. Realize that you're God's child, that
Speaker 1: no one has these fingerprints. They're completely unique and near yours,
Speaker 1: and you could be great. You can beat o Cho
Speaker 1: Sinko and Shanna Sharp because they were once you. You
Speaker 1: can bet John O'Brien, you can beat Charlotte Mayne. You
Speaker 1: can be Stephen A Smith. But there's no billionaire. There's
Speaker 1: no billionaire who. There's no entertainer or no sports figure
Speaker 1: who's a billionaire who didn't do it by cross without
Speaker 1: crossing over into business.
Speaker 6: Yeah, he's the only way. We can't one hundred percent.
Speaker 1: You can't sell enough movie tickets or take our concert
Speaker 1: tickets of merchandise. You can't do it with the your
Speaker 1: single going back, can't do it with that cash won't
Speaker 1: get there. You build wealth in your sleep, stocks, bonds,
Speaker 1: home ownership, investments, businesses one MBB an operation. We created
Speaker 1: half a billion, sorry, half a million black businesses since
Speaker 1: George Floyd's murder. I'm committed to create a million black
Speaker 1: businesses by twenty thirty. This is a Black Gewish business plan, right.
Speaker 1: And there's only three point one million black businesses in America.
Speaker 1: We've already created forty and fifty thousand of them, just
Speaker 1: under five hundred thousand. That's twelve percent, give or take
Speaker 1: of the national average. And I'm not going to stop
Speaker 1: because this is one of the ways that we can
Speaker 1: build wealth using our hustle, our talents. Don't don't just
Speaker 1: stand on the mic. Own that damn thing. Don't rock
Speaker 1: the mike, own the mike rental company, Own the stage
Speaker 1: rental company, own the part porter potties at the movie
Speaker 1: studio in the video shoot. Own the lighting system that
Speaker 1: gets rented. Nobody these companies don't own that stuff. They
Speaker 1: rent that stuff. Be the rental company, the VIP racist.
Speaker 1: But own the company that prints those things and sell
Speaker 1: it to the nightclub. Stop being a fool going to
Speaker 1: the night clubs man a five hundred dollars on a
Speaker 1: bottle of champagne that costs him twenty five Be the
Speaker 1: company sells in the bottles.
Speaker 6: Don't go to the club. Own the club.
Speaker 1: I was with. I was with the Mike Maples, who's
Speaker 1: a one of the top twenty venture capitalists. I'm sorry,
Speaker 1: I'm passionate. Am I talking too much?
Speaker 6: Go ahead, go ahead, go ahead.
Speaker 1: But my mother, my mother always said, you know, wanna
Speaker 1: be the old guy in the club out, I'm gonna
Speaker 1: leave right. So this guy named Mike Maples, he's a
Speaker 1: big venture capitalist in Silicon Valley. I was talking to
Speaker 1: him one day. I said, Mike, tell me about your family. Oh,
Speaker 1: just normal family. I'm not going to ask you that.
Speaker 1: And she tells me about your family, Well, my dad
Speaker 1: worked for Microsoft. Okay, what are you doing Microsoft? Oh
Speaker 1: he worked for Bill Gates. That look, technically everybody works
Speaker 1: for Bill Gates.
Speaker 6: Yeah, like, what did you do?
Speaker 1: By the way, we need a black Bill Gates as
Speaker 1: much as we need a black president, by the way,
Speaker 1: because I would create more that will create other billionaires,
Speaker 1: other cent a millionaires, one hundred million, other multimillionaires, who
Speaker 1: then create philanthropy in their neighborhood, who hire people who
Speaker 1: look like them, mentor people look like them. The cascade
Speaker 1: effect that would be incredible. Back to this example. So
Speaker 1: I said, I worked for Bill Gates. Okay, I asked
Speaker 1: him fourteen questions. I finally said, well, he was a
Speaker 1: president of software. I said, hold on, slow down. Did
Speaker 1: you just say your dad was in was the president
Speaker 1: of software at Microsoft. So he really did work for
Speaker 1: Bill Gates. Yeah, I said, you said your life was normal.
Speaker 6: Tell me more.
Speaker 1: Tell me about your first business. Well, you know, my
Speaker 1: dad I started this no business. I forget what what was?
Speaker 1: You know, whatever newspaper business, whatever it was, I forget
Speaker 1: it was. He was twelve years old and he made
Speaker 1: this the biggest business in his neighborhood. And he went
Speaker 1: to his dad one day. Here's the point, he said, Dad,
Speaker 1: I'm so excited I have made this the biggest business
Speaker 1: our neighborhood. I'm gonna sell this business to Disney. Mindset
Speaker 1: is Mike Mabel Senior said, I'm ashamed of you, son.
Speaker 6: We don't think like that.
Speaker 1: In this household. I raised you better than that. I'm
Speaker 1: sitting scratching my head, going, wait a minute. The kid
Speaker 1: just said, I'm a businessman. I'm gonna sell my business
Speaker 1: now to Disney. He said, no, no, no, on this household.
Speaker 1: We don't build a business and sell it to Disney.
Speaker 1: We build a business to buy Disney. Wow, drop the mic.
Speaker 1: What is Mike Mabel's doing today? Buying businesses? You model
Speaker 1: what you see, so we need to we need we
Speaker 1: need to become what we want to see. Look anybody
Speaker 1: out there saying let's just give it away, even if
Speaker 1: you want to distribute money like a.
Speaker 6: Socialist, you got a first collected like a capitalist.
Speaker 2: Mm hmm.
Speaker 6: So anybody out there who has a problem with what
Speaker 6: we've been saying for this last hour, let me say
Speaker 6: this to you.
Speaker 1: You try government, charity, you try social justice, you try guilt,
Speaker 1: You tried whatever you tried. We tried a bunch yourself.
Speaker 1: It ain't worked. Why don't you try capitalism? Hello, it
Speaker 1: seems to work for everybody else. Everybody who's try to
Speaker 1: use free enterprise and capitalism to set themselves free.
Speaker 6: Have succeeded it. We're brilliant. Why can't we do it.
Speaker 1: We can, we just have never tried it. That's what
Speaker 1: I'm teaching at scale. That's what you're doing.
Speaker 6: I listened to you.
Speaker 1: You did a whole thing where you're talking about credit
Speaker 1: scores when you I mean, I remember you said eight
Speaker 1: hundred Do you don't not? Everybody was thinking, well, I
Speaker 1: want to be like Shannon, I need a eight hundred
Speaker 1: credit Scoore, o Cho, Si be dropping, be dropping some gems,
Speaker 1: and you you be weaving knowledge. Charlemagne is very good
Speaker 1: at this, weaving knowledge and education into the entertainment.
Speaker 2: MM.
Speaker 6: That's what need at scale. We gotta make this mainstream.
Speaker 2: Right now, John, I appreciate you joining us tonight. That's
Speaker 2: what we're gonna do from time to time. Our job
Speaker 2: here at clubs at a Nightcap is to not only entertain,
Speaker 2: That's what we do. We inform people about what transpired
Speaker 2: in the game and so forth and so on, but
Speaker 2: we also like to educate people. We like people because
Speaker 2: we want to see our people succeed.
Speaker 1: Uh.
Speaker 2: And what better way to do it is that people
Speaker 2: that's been successful. Sometimes they get we gets redundant here
Speaker 2: from o Cho and I, and sometimes we need to
Speaker 2: bring a new voice in someone that succeeded on a
Speaker 2: grander scale, that can speak the things that Oacho and
Speaker 2: I we need help understanding and talking about. So for
Speaker 2: you to come on tonight and educate our group, our chat,
Speaker 2: we greatly, greatly appreciate that.
Speaker 6: Well, let me say this.
Speaker 1: I think you're brilliant. I think what you've done here
Speaker 1: is brilliant. I think that you guys are a great partnership.
Speaker 1: You played very well on each other, and I think
Speaker 1: it's very elegantly done. And I love seeing you shine.
Speaker 1: I love seeing you succeed. And other people I know,
Speaker 1: Bishop TD Jakes and Charlemagne and Steven A. Smith are
Speaker 1: all rooting for you in that beautiful thing a black
Speaker 1: man loving on another black man and completely straight. So
Speaker 1: your audience, I want you to hear now this last thing. Anybody,
Speaker 1: all of the folks who want to be ball players
Speaker 1: and football god bless you, fantastic, no problem with it.
Speaker 1: But seventy percent of all those in the NBA, seventy
Speaker 1: percent of all those in professional football bankrupt five years
Speaker 1: after retirement two.
Speaker 6: Two years.
Speaker 1: Thank you, Ojoe, you know better than me being conservative
Speaker 1: and by the way, and then your wife leaves you. Yeah,
Speaker 1: So this is if your outflows need your inflow, and
Speaker 1: your orea is going to be your downfall. If you've
Speaker 1: made all this money your whole life and you're now
Speaker 1: used to be fettering you, protecting you, serving you, giving
Speaker 1: you a paycheck, right, and then the paychock stops with
Speaker 1: your lifestyle is at a point where the bills keep
Speaker 1: coming and everybody else around you expects you to fund
Speaker 1: their lifestyle and you're not doing them a favor. By
Speaker 1: the way, all this posse that you're funding, you're not
Speaker 1: doing them a favor because they can't take care of themselves.
Speaker 1: You need people to be self reliant. Give them a handout,
Speaker 1: not a handout, and then when you need help, they
Speaker 1: can't come to help you because you're the source. So
Speaker 1: we've got to get our mind rights, because even when
Speaker 1: those who are succeeding at the top of their game
Speaker 1: aren't using an opportunity to turn an income into wealth
Speaker 1: that that pays you when you're sleep. So you can
Speaker 1: be Reggie Jackson, you can be Magic Johnson. You Michael Jordan,
Speaker 1: you can be Shannon's there's you know, there's a whole
Speaker 1: list of the folks that he's done, is right, Hey, John,
Speaker 1: I need a couple of those cars that Richie got.
Speaker 8: You know, Regie, Reggie's balling many he is, he's John.
Speaker 2: Thank you so much. I really appreciate that, man. I'll
Speaker 2: be in touch with you. You know, you and I
Speaker 2: we talked. We don't get together and do the have
Speaker 2: a chew the fat, sit down and do some business together.
Speaker 1: Bro.
Speaker 2: I really appreciate what you're doing for our community and
Speaker 2: uh and and part and partaking wisdom on our chat tonight.
Speaker 2: So I greatly appreciate that.
Speaker 1: Man. My my pleasure sending you love and light everybody.
Speaker 1: Go out and get financial literacy for all is my
Speaker 1: newest book, Piece of Light, and go get it. Go
Speaker 1: get an operational was counseling. I'll give you one thousand
Speaker 1: dollars free scholarships to go to Operation show get a
Speaker 1: year's worth of coaching and counseling.
Speaker 6: So don't say that Shannon didn't do anything for you.
Speaker 6: Shannon and ochell single, thank you, boss.
Speaker 2: You appreciate that. That was a John O'Brien. He's brilliant,
Speaker 2: o Joe. I mean the way he can lay out
Speaker 2: the way he can explain it to you what you
Speaker 2: should buy, and that's what you have to do. You know,
Speaker 2: people like, well, I ain't got no money. It's funny,
Speaker 2: you ain't got no money, but you got money to
Speaker 2: stop buy Starbucks drive through every day and buy a
Speaker 2: five dollars or a seven dollars take Yeah, you got
Speaker 2: money to do that. You got money. You got money
Speaker 2: to go on all these vacations. I've never understood borring
Speaker 2: money to go on a vacation. I never understood that,
Speaker 2: o Jo. Maybe that's just me. I'm not gonna go
Speaker 2: on if I can't go and pay for it. I'm
Speaker 2: not finna go into DAP to do it.
Speaker 6: Yeah. And you know, one of the things I've always had.
Speaker 6: You noticed.
Speaker 7: I know you were talking about you don't go on vacation,
Speaker 7: But I also don't go on vacation until I put
Speaker 7: in some type of work.
Speaker 6: I see people listening, there's nothing wrong with that. If
Speaker 6: there's nothing wrong with that, just my mindset.
Speaker 7: It's a little different unless I when I think about
Speaker 7: going on vacation, vacation. To me, the reason for going
Speaker 7: on vacation is because I put in a certain amount
Speaker 7: of work and the body needs to reset.
Speaker 1: I need to have a.
Speaker 6: Mental lapse of just of calmness, and peace. Yes, I
Speaker 6: just going on a vacation, just to be going on
Speaker 6: a vacation, just take pictures.
Speaker 1: Have fun.
Speaker 6: I never saw the point in that. But Joe, that
Speaker 6: is me personally.
Speaker 2: Can I ask you a question, How can I go
Speaker 2: on vacation and I worried the whole time? How the
Speaker 2: hell I'm gonna pay for this? That ain't no that
Speaker 2: ain't no peace, So choke. I mean, I've got to
Speaker 2: get away, like I ain't got a worry in the world.
Speaker 2: I know when I get back, I still got I
Speaker 2: got my mortgage is gonna be paid, the car payment's
Speaker 2: gonna be paid, X amount of money going to savings, YadA, YadA, YadA.
Speaker 2: I don't have to worry about paying for this vacation.
Speaker 2: If I'm on the vacation and I'm like, oh, Lord,
Speaker 2: have mercy, who I probably showed probably shit to come
Speaker 2: And I hear people say, oh, I don't know how
Speaker 2: I pay for this, but I worry about that later.
Speaker 2: Huh Yeah, you think that that charge is gonna magically
Speaker 2: disapprow on your credit card and they charge I don't
Speaker 2: know what credit card rate is because I pay all
Speaker 2: my probably what what's credit card rate? Fifteen twenty percent
Speaker 2: and you paying You got a five ten thousand dollars
Speaker 2: credit card and you sending in two hundred dollars a money.
Speaker 2: What the hell you gonna do? You'll kid somebody else
Speaker 2: gonna be paying that off.
Speaker 7: It all starts one of one of the key things
Speaker 7: that he did say that I always talk about. I
Speaker 7: mean those that have followed me throughout the years. I
Speaker 7: always talk about financial literacy and having a discipline. If
Speaker 7: you don't have discipline, it doesn't matter what amount of
Speaker 7: money they give you, you're gonna run through. You're gonna
Speaker 7: run through it. That's why that argument on Twitter happens
Speaker 7: every every so often when youven talk about credit score
Speaker 7: and a certain amount of money, and I see all
Speaker 7: the Twitter go with, oh, I want this amount of
Speaker 7: money because where it is, I'm gonna just pay it
Speaker 7: off and then I'm gonna flip it and I'm gonna
Speaker 7: do this. It got all these ideas not really understanding
Speaker 7: that's not how it works.
Speaker 2: Oh Joe, remember I told you the story I was
Speaker 2: in the NFL if I credit was so bad I
Speaker 2: couldn't get a car.
Speaker 6: Yoh yeah yeah, yeah, yeah, yeah yeah yeah.
Speaker 2: Prime example, I couldn't get a car, and so I mean, now,
Speaker 2: if you got if you want to pay cash from everything,
Speaker 2: they're graciously accept it. But nah, if I got that
Speaker 2: kind of cash, put it away. I want to put
Speaker 2: a large portion of the way and let it work
Speaker 2: for me because I know I'm gonna get somewhere between
Speaker 2: four and eight percent. Yeah, I ain't trying to say
Speaker 2: I ain't trying to pay no car. I ain't trying
Speaker 2: to put two one thousand dollars playing a car for
Speaker 2: at two hundre thousand dollars or having a car called
Speaker 2: thirty thousand, forty thousand, or pay or I want to
Speaker 2: get a house and I gotta pay for the whole house,
Speaker 2: pay it off, or how to get some nah hell
Speaker 2: nah no, that's just me. But uh, John, we really
Speaker 2: appreciate you, hopefully chat you enjoyed that conversation about how
Speaker 2: to you know, financial, be financially and physcally responsible because
Speaker 2: at the end of the day, ain't nobody coming to
Speaker 2: save you. Now, you you can hope, you can hope,
Speaker 2: and we not. We're not doing political Ay, I've made
Speaker 2: peace with the decision that the American public made on
Speaker 2: November that second that second Tuesday in November. I've made
Speaker 2: peace with that. I ain't. I ain't gonna work my
Speaker 2: nerves up. These four years gonna go by the breeze,
Speaker 2: just like the last four years and the four years
Speaker 2: before that. So y'all can get all up saying and
Speaker 2: talk about, Oh, I don't know what I'm gonna do.
Speaker 2: I know what I'm gonna do. I'm gonna keep my
Speaker 2: head down. I'm gonna keep my ears closed, and I'm
Speaker 2: gonna go to work. That's what I'm gonna do.
Speaker 1: Now.
Speaker 2: I don't know what y'all gonna do, but I'm gonna
Speaker 2: tell you what Shannon Sharan's gonna do. That's what I'm
Speaker 2: gonna do. And when these four years is up, i'm
Speaker 2: gonna look up. There's gonna be somebody to come in
Speaker 2: make a whole lot of promises and they don't deliver.
Speaker 2: Some people are gonna get delivered up. That's gonna get
Speaker 2: delivered on, and some people are not. But y'all keep
Speaker 2: worrying about this. I ain't worried about it. I can't.
Speaker 2: I can't. I can't work my nerves up. I've made
Speaker 2: peace with it.
Speaker 6: O yoe.
Speaker 2: I think they should also all your other Eagles are
Speaker 2: selling snow from their playoff win. They're boxing up the snow,
Speaker 2: put it in. I mean, they put it a little
Speaker 2: container and you can buy it. I think it's nine
Speaker 2: ninety nine, seven ninety nine.
Speaker 6: Is that too much, O Joe, Yeah, that's that's too much.
Speaker 7: That's too much because listen, but one of the fans Philadelphia,
Speaker 7: the culture in general, they should be used to winning
Speaker 7: by now.
Speaker 6: You used to win in boy.
Speaker 7: Now we're having the snow and there's no point because
Speaker 7: being contention every year, you're gonna be contention every year.
Speaker 7: Jeffrey Lewie and everyone else who is responsible putting that
Speaker 7: team together, they're always going to be in contention because
Speaker 7: those that are at the top know what the hell
Speaker 7: they're goddamn doing.
Speaker 2: Oh oh joy. They're selling it for fifty dollars, the
Speaker 2: snow fitted fitted bucks what you.
Speaker 1: No, man?
Speaker 7: I mean, it's cool, but there's no point. There's no point,
Speaker 7: y'all gonna be back in the NFC Championship again. Depending
Speaker 7: on the color of jersey we wore, you know, I
Speaker 7: would change my chint shrap. Yeah, a black chest shrap.
Speaker 7: Sometimes I have an orange chinch strap and I would
Speaker 7: wear the orange shoes you once. Remember everybody's shoes had
Speaker 7: the match. Even back then, everybody had the same color.
Speaker 6: Scheme.
Speaker 7: I go, so I would, I would, I would take
Speaker 7: the fine. I would take the fine. And then it
Speaker 7: got to a point, like you're six or seven, they
Speaker 7: will call down to David Folch.
Speaker 6: Remember David Folcher.
Speaker 2: Yeah, no, fool yeah, I played against me thirty three
Speaker 2: with the Bengal y'all played against you?
Speaker 6: Was are what do you call the guy that comes out?
Speaker 2: And uh he was the uh what the uniform guy?
Speaker 2: Uniful guy got so listen.
Speaker 7: He would tell me during pre game and say, listen,
Speaker 7: oh show now you know they're looking at you.
Speaker 6: They're looking at you. And I spoke to that. You know,
Speaker 6: I take the towe, I take the stream. I cut
Speaker 6: the towel and had a long stream of hanging. He said,
Speaker 6: that's not that's not an if issue. They're gonna get
Speaker 6: you for that streamer. I say, folks, man, y'all make minds.
Speaker 7: Well, go ahead and find me now, because I'm from
Speaker 7: the wettest tower in these orange poets.
Speaker 6: Of orange chin strap. I'm from the web that too, man.
Speaker 6: It got to the point in your six or seven.
Speaker 7: They were the league office will call in the middle
Speaker 7: of the game and say I will be removed from
Speaker 7: the game unless I take.
Speaker 6: Those shoes off, unless I dream off was right Chin Street.
Speaker 6: I'm like, what the hell? Yeah, this is yeah, Moovie
Speaker 6: got to Oh yeah.
Speaker 2: They made me o Joe because I had a pat
Speaker 2: leather shoes. So the shoes was like white blue and
Speaker 2: on where you can only have two colors, you can
Speaker 2: only have two colors, so they made me cover up
Speaker 2: one of the colors so you can cover. I don't
Speaker 2: care what color it is, but you're gonna come up
Speaker 2: one of them. I'm like, I just want to know
Speaker 2: what is the What is I say, the shoe? I say,
Speaker 2: everything matches, y'all make it seem like I got I
Speaker 2: got on a blue and OI uniform and I got
Speaker 2: on a red pair of cleves or something. I said,
Speaker 2: come on, guys, it's like, hey, sharp, I don't make
Speaker 2: the rules.
Speaker 6: I just work here.
Speaker 2: And I used to have a I have a blue chair.
Speaker 2: I had a blue chair strap, so that rule was
Speaker 2: implemented after I left Ojoe because I had a blue
Speaker 2: blue chest strap. Basically my entire career and if you
Speaker 2: go back and look my chant strap. I never buttoned
Speaker 2: my full chair drap. It was never off.
Speaker 6: I always kept my hanging on the right one hanging.
Speaker 6: I did listen.
Speaker 7: I saw Prime do it, so I was I did
Speaker 7: it on offer, that's why, mahem. But always flying off.
Speaker 7: I never I never buttoned the last one.
Speaker 2: Both of mine was hanging. They're like button that chain strap.
Speaker 2: I was like, no, something bagle happen. I buttoned this
Speaker 2: chain scrap some bag of help. I'm gonna swing on
Speaker 2: you official mm hmm
Speaker 1: Vo