WEBVTT - Nightcap - Hour 2: Daily Dumb Dumb, John Hope Bryant, Ocho's fine

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<v Speaker 2>O Choe, you got to listen to this baby mama

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<v Speaker 2>who blocked her income and child support payments. Chad, take

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<v Speaker 2>a listen to this.

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<v Speaker 4>Heke child support payments from him?

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<v Speaker 2>Do you?

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<v Speaker 1>Yes?

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<v Speaker 4>Elie said, blocking on venmo he should?

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<v Speaker 5>That makes it so much easier on him to just

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<v Speaker 5>venmo me instead of going to the bank. She's doing

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<v Speaker 5>everything the easiest that it can possibly be done for Chase,

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<v Speaker 5>and he's done that the whole time.

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<v Speaker 4>Weaping, Why would you not want it to be easy

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<v Speaker 4>if he's going to send you money. Why would you

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<v Speaker 4>not want.

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<v Speaker 5>That to be easy for him because it takes one

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<v Speaker 5>more thing off of Chase that he has to do.

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<v Speaker 4>You don't take child support.

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<v Speaker 2>Let that forget you, she said, because it's easy, he

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<v Speaker 2>should have to go to the bank and get the

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<v Speaker 2>money and bring it black, basically bring it to her.

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<v Speaker 2>So she when he been MoES it ben more the money,

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<v Speaker 2>she blocks the papers and then say, if I ain't

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<v Speaker 2>getting child support.

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

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<v Speaker 2>She doesn't. She said it's too easy for him them

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<v Speaker 2>to make child support payments by ben mowing.

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<v Speaker 7>So she wants it to be a little bit more

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<v Speaker 7>difficult on him to Yes, well that that makes absolutely

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<v Speaker 7>no sense.

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<v Speaker 6>Honey, No shit. I wonder what the rooting was in

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<v Speaker 6>that case.

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<v Speaker 2>You can't block, Oh Joe, he's paying. You can't say

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<v Speaker 2>he's not playing when you blocking.

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<v Speaker 6>The pavement big time, big time.

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<v Speaker 2>I'm like, I had to listen to it again. She

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<v Speaker 2>was like, because it's so easy for him, and he's

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

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<v Speaker 2>oh Joe, how many people have direct deposit on their

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<v Speaker 2>bills because everybody got tired of writing checks, filling it out,

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<v Speaker 2>put it in the mail, putting a stamp on it.

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<v Speaker 2>Just say, you know what, we could just take this

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<v Speaker 2>out every month and be done with it. Oh yeah, babe,

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<v Speaker 2>you got to move on. He done moved on with

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<v Speaker 2>his life. That sounds like a woman that's upset that

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<v Speaker 2>the child's father or ex husband or whatever it may be,

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<v Speaker 2>has moved over.

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<v Speaker 7>What's happen when you still have feelings, when you're a

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<v Speaker 7>little bitter, when you're a little bitter, because if you're

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<v Speaker 7>not bitter, you let everything.

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<v Speaker 6>Happen very smoothie.

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<v Speaker 7>So you don't have any any type of situation.

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<v Speaker 6>Oh you have no?

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

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<v Speaker 7>I'm looking forward. I really can't find it. Talk yeah yeah.

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<v Speaker 2>Yeah, auto pay, I ain't got no auto Well I

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<v Speaker 2>do got auto pay, but surely set that up. Great guy,

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<v Speaker 2>great financial guy. Have some great ideas of how and

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<v Speaker 2>what you should do if you get some money, how

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<v Speaker 2>you could save your money. He and I had a

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<v Speaker 2>great conversation talking about He told me like, if your

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<v Speaker 2>assets are oh your ass you not said so without it,

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

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<v Speaker 2>John Hobrien, John, how.

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<v Speaker 6>You doing all good? My man?

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<v Speaker 2>Good to be with you, Good to be with you.

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<v Speaker 2>So uh. A couple of weeks ago, you did you

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<v Speaker 2>know what?

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<v Speaker 1>You know?

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<v Speaker 6>You know what?

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<v Speaker 1>You know what the ladies, the ladies had talked to

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<v Speaker 1>me about you since you were at the forum, and

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<v Speaker 1>they said, you know, you know what the biggest thing

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<v Speaker 1>on Shannon Sharp is I was like, well, I don't

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<v Speaker 1>know if I'm the answer this question. And the biggest

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<v Speaker 1>thing on Shannon Shark is credit score, credit score. He's

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

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<v Speaker 1>making smart sexy. We've been making dumb sexy for way

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

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<v Speaker 1>to make smart sexy again. You want to impress me,

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<v Speaker 1>give me a get an A in math? You want

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<v Speaker 1>to impress me. Don't just be cute when you.

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<v Speaker 2>Go to the cloth to night.

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<v Speaker 1>When you go to clothe to night, ask her her name?

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

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<v Speaker 1>your partner for life?

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<v Speaker 6>Anyway.

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

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<v Speaker 8>Close to you, brother Sam. I'm trying to get it

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<v Speaker 8>back to a fifty. I'm trying to get it back

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<v Speaker 8>to a fifty. It's been real slow to get back

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<v Speaker 8>to get it back up there, but I'm trying.

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

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<v Speaker 7>I'm glad you opened up with a credit score thing

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<v Speaker 7>for the people that are in the chat. And I

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<v Speaker 7>see this discourse many times, especially on Twitter, where people

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

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<v Speaker 7>eight hundred credit score or a certain amount of money,

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<v Speaker 7>and it'll be a lot of money.

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

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<v Speaker 7>And every time on Twitter they arguing for hours and

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<v Speaker 7>hours at a time, and everybody chooses a certain amount

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<v Speaker 7>of money as opposed to a credit score. For those

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<v Speaker 7>that are in the chat, can you please explain to

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<v Speaker 7>them how important it is to have a credit score

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<v Speaker 7>over any amount of money.

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<v Speaker 6>People don't.

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<v Speaker 7>People see the dollar figures and the amount of money

0:06:53.800 --> 0:06:55.880
<v Speaker 7>and they forget credit.

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<v Speaker 6>I want a lump some more money.

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<v Speaker 1>Yeah, Ambassador Andrew Young who was doctor was doctor King

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<v Speaker 1>by the way. Good to see Chah, God bless you man.

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<v Speaker 1>Both of you guys are legends. When and bashelor Young

0:07:07.640 --> 0:07:09.600
<v Speaker 1>was on that balcony with doctor Kingley.

0:07:09.600 --> 0:07:10.480
<v Speaker 6>He was assassinated.

0:07:10.760 --> 0:07:13.520
<v Speaker 1>He's also built the city I'm in now, the only

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<v Speaker 1>international city in the American South, the biggest economy in

0:07:17.160 --> 0:07:19.000
<v Speaker 1>the South, the ten floers economy in the US.

0:07:19.120 --> 0:07:21.240
<v Speaker 6>And he would say to live in.

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<v Speaker 1>A system of free enterprise and not to understand the

0:07:24.880 --> 0:07:29.960
<v Speaker 1>rules of free enterprise must be the very definition of slavery.

0:07:30.760 --> 0:07:35.480
<v Speaker 1>So you make money, my boy, Tony wrestler, billionaire tod

0:07:35.600 --> 0:07:38.040
<v Speaker 1>taught me this lesson. You make money during the day.

0:07:39.080 --> 0:07:43.080
<v Speaker 1>The Atlanta Hawks for those who have just are sports fanatics.

0:07:43.120 --> 0:07:45.320
<v Speaker 1>That's not why he made his money. That was originally

0:07:45.400 --> 0:07:47.040
<v Speaker 1>his toy. It was just something to play with. Now

0:07:47.400 --> 0:07:50.080
<v Speaker 1>it's worth billions. But he made his money in finance.

0:07:50.120 --> 0:07:52.960
<v Speaker 1>Actually an Area's Managemer anyway, built his wealth. A really

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<v Speaker 1>good guy. He says, you make your money during the day,

0:07:56.200 --> 0:08:00.880
<v Speaker 1>you build wealth in your sleep. So this is similar situation.

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<v Speaker 1>People become obsessed with the wrong thing. You asked a

0:08:03.560 --> 0:08:05.480
<v Speaker 1>very good question. I want to get that cash, want

0:08:05.480 --> 0:08:06.880
<v Speaker 1>to get this dollar, I want to get this bag.

0:08:06.920 --> 0:08:08.440
<v Speaker 1>I want to give this money. I want to give

0:08:08.440 --> 0:08:15.760
<v Speaker 1>the useless completely useless money has velocity. It's not stopping

0:08:16.000 --> 0:08:19.480
<v Speaker 1>it will go and if you're financially illiterate, people who

0:08:19.520 --> 0:08:22.520
<v Speaker 1>are literate will will separate you from that dollar. Ninety

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<v Speaker 1>two percent of all GDP of blacks in America one

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<v Speaker 1>point six one point seven trillion dollars we generate and

0:08:31.720 --> 0:08:36.680
<v Speaker 1>spend every year, ninety two percent is consumption. So the

0:08:36.800 --> 0:08:39.319
<v Speaker 1>man you want to call it that, he knows you

0:08:39.480 --> 0:08:41.160
<v Speaker 1>just don't go spend it. They don't need to hire

0:08:41.160 --> 0:08:43.840
<v Speaker 1>you to be the spokesman for Louis Vatan. You're gonna

0:08:43.840 --> 0:08:46.040
<v Speaker 1>be a walking billboard for it anyway. They don't need

0:08:46.040 --> 0:08:48.080
<v Speaker 1>to hire sports figures to be to be to be

0:08:48.160 --> 0:08:51.000
<v Speaker 1>Gucci spoots, spots, spost people, and whatever the brands are.

0:08:51.040 --> 0:08:54.080
<v Speaker 1>They don't wear it on anyway because our assets aren't

0:08:54.120 --> 0:08:57.640
<v Speaker 1>all too often on our ass. So we have because

0:08:57.720 --> 0:09:00.360
<v Speaker 1>we are with the rules of publishing, of playing for

0:09:00.440 --> 0:09:07.120
<v Speaker 1>those level. We kill it special sports, the arts, politics, faith,

0:09:07.440 --> 0:09:09.720
<v Speaker 1>the rules of published, and the playing for those level.

0:09:10.000 --> 0:09:12.200
<v Speaker 1>But we have never been taught capitalism and free enterprise

0:09:12.240 --> 0:09:15.160
<v Speaker 1>and financial literacy, which I consider to be financial literacy

0:09:15.200 --> 0:09:18.240
<v Speaker 1>is a civil rights issue of this generation. So it's

0:09:18.280 --> 0:09:20.400
<v Speaker 1>what you don't know that you don't know this killing

0:09:20.440 --> 0:09:22.720
<v Speaker 1>you but you think you know so Now I'm going

0:09:22.760 --> 0:09:25.079
<v Speaker 1>to drop a bomb here that makes the point that

0:09:25.720 --> 0:09:28.720
<v Speaker 1>money in of itself is absolutely useless.

0:09:29.679 --> 0:09:32.319
<v Speaker 6>If I gave a homeless guy, I was.

0:09:32.280 --> 0:09:33.640
<v Speaker 1>Homeless of six months of my life when I was

0:09:33.679 --> 0:09:36.840
<v Speaker 1>eighteen years old. It was economic homeless. Most homelessness is

0:09:36.920 --> 0:09:40.520
<v Speaker 1>mental illness and depression and other things, drugs. If I

0:09:40.840 --> 0:09:45.720
<v Speaker 1>if you give a homeless man a million dollars and

0:09:45.840 --> 0:09:50.480
<v Speaker 1>do nothing else, Trump, He'll be broken six months because

0:09:50.520 --> 0:09:55.920
<v Speaker 1>if nothing changes here, said and then nothing changes here values,

0:09:57.080 --> 0:10:00.480
<v Speaker 1>then nothing's going to change here and here will walk

0:10:00.520 --> 0:10:02.920
<v Speaker 1>away from your money, or somebody will walk away with

0:10:03.000 --> 0:10:03.560
<v Speaker 1>your money.

0:10:04.240 --> 0:10:05.439
<v Speaker 6>And we want to blame the man.

0:10:05.520 --> 0:10:08.320
<v Speaker 1>But these bad contracts and in the music business and

0:10:08.360 --> 0:10:09.720
<v Speaker 1>bad You signed it.

0:10:10.559 --> 0:10:12.080
<v Speaker 6>The Klan didn't tell you to sign it.

0:10:12.480 --> 0:10:15.520
<v Speaker 1>Nobody stell up your head with a butcher knife and

0:10:15.520 --> 0:10:16.920
<v Speaker 1>said sign that contract.

0:10:17.160 --> 0:10:19.520
<v Speaker 6>You said, y'all, I don't need to. I just want to.

0:10:19.640 --> 0:10:21.360
<v Speaker 6>I just want to do the music. I just want to.

0:10:21.520 --> 0:10:22.880
<v Speaker 6>I just want to play Baul. I don't want to

0:10:22.920 --> 0:10:23.559
<v Speaker 6>mess around with that.

0:10:23.679 --> 0:10:28.320
<v Speaker 1>It's the music business. It's the business of music. It's

0:10:28.360 --> 0:10:33.920
<v Speaker 1>the sports business. It's the business of sports. And to

0:10:34.000 --> 0:10:38.280
<v Speaker 1>say so, it so we are brilliant in so many ways.

0:10:38.400 --> 0:10:40.560
<v Speaker 1>We've been doing so much with so little for so long.

0:10:40.640 --> 0:10:43.920
<v Speaker 1>We can almost do any with nothing. But we were

0:10:44.000 --> 0:10:46.640
<v Speaker 1>never taught financial literacy. There was a freedman's bank created

0:10:46.640 --> 0:10:49.360
<v Speaker 1>in eighteen sixty five after the Civil War. Abraham Lincoln

0:10:49.400 --> 0:10:52.240
<v Speaker 1>did it with Frederick Douglas, and he was killed the

0:10:52.280 --> 0:10:54.880
<v Speaker 1>next month for that and promising blacks.

0:10:54.600 --> 0:10:55.319
<v Speaker 6>A right to vote.

0:10:55.720 --> 0:10:58.200
<v Speaker 1>The bank failed. We never would talk how money works.

0:10:58.360 --> 0:11:01.080
<v Speaker 1>So in some ways it's not our fault. But we

0:11:01.120 --> 0:11:02.520
<v Speaker 1>live in a capitalist democracy.

0:11:02.600 --> 0:11:03.360
<v Speaker 6>So all these.

0:11:03.200 --> 0:11:08.319
<v Speaker 1>Folks, seventy percent of those who win the lottery, seventy

0:11:08.400 --> 0:11:10.920
<v Speaker 1>percent broke in five years.

0:11:11.360 --> 0:11:12.760
<v Speaker 6>Wow, broke.

0:11:13.480 --> 0:11:15.679
<v Speaker 1>So all this stuff about give me that money, give

0:11:15.720 --> 0:11:17.840
<v Speaker 1>me that dotar. I mean, I'm gonna be really dramatic here.

0:11:19.280 --> 0:11:21.760
<v Speaker 1>Let's take all the money in the world, including mine,

0:11:21.840 --> 0:11:26.920
<v Speaker 1>including yours, including Shannon's, Chad. Let's take it because we're green.

0:11:27.000 --> 0:11:29.080
<v Speaker 1>Really when I'm black, at this point, we're green.

0:11:29.080 --> 0:11:29.800
<v Speaker 6>We've made it.

0:11:29.800 --> 0:11:33.920
<v Speaker 1>Take all my money, with all with everybody else that's

0:11:33.960 --> 0:11:37.400
<v Speaker 1>been money, the top three percent. We just made the

0:11:37.400 --> 0:11:41.560
<v Speaker 1>whole world socialists now redistributed to everybody in the world equally.

0:11:43.559 --> 0:11:47.680
<v Speaker 6>Within three years, we'll all have it back, yep.

0:11:48.559 --> 0:11:50.480
<v Speaker 1>If you don't do anything else, we'll all have it

0:11:50.520 --> 0:11:53.760
<v Speaker 1>back because somebody understands how capitalism and free enterprise and

0:11:53.840 --> 0:11:56.880
<v Speaker 1>money works, and somebody's understand how to spend it. People

0:11:56.920 --> 0:11:57.800
<v Speaker 1>say I can be a millionaire.

0:11:57.840 --> 0:11:59.840
<v Speaker 6>I won't go broke. Yes you will. Millions go broke.

0:12:01.200 --> 0:12:04.520
<v Speaker 1>A billionaire can go bro It's hard, but you can know,

0:12:04.640 --> 0:12:08.120
<v Speaker 1>bro if your outflow sees your inflows in your overhead

0:12:08.160 --> 0:12:14.440
<v Speaker 1>will be your downfall. What you really want is mindset knowledge.

0:12:14.720 --> 0:12:17.440
<v Speaker 1>You know what I like about Shannon. He came into

0:12:17.480 --> 0:12:20.280
<v Speaker 1>the whole global forum, we had the whole global form,

0:12:20.679 --> 0:12:24.520
<v Speaker 1>and my man just was nosy. Ask Quincy Jones, how'd

0:12:24.520 --> 0:12:26.960
<v Speaker 1>you get so smart? I'm just nosy as hell. I

0:12:27.000 --> 0:12:29.600
<v Speaker 1>want to know everything about everything. He was nosy. He

0:12:29.640 --> 0:12:32.760
<v Speaker 1>was all over in everybody's business, asking this daionaire question,

0:12:32.960 --> 0:12:36.360
<v Speaker 1>asking that billionaire question, asking that CEO question, all up

0:12:36.400 --> 0:12:40.119
<v Speaker 1>in my face, asking me questions, trying to learn.

0:12:40.200 --> 0:12:41.040
<v Speaker 6>What he doesn't know.

0:12:42.160 --> 0:12:44.960
<v Speaker 2>That I don't know what you don't know? Her John,

0:12:45.000 --> 0:12:46.600
<v Speaker 2>let me ask you this, and I don't. I don't

0:12:46.600 --> 0:12:48.080
<v Speaker 2>know if you know this off the top of your head.

0:12:48.080 --> 0:12:51.240
<v Speaker 2>But I was reading like in the Jewish community, the

0:12:51.320 --> 0:12:54.960
<v Speaker 2>dollar stays there like forty three forty five days, and

0:12:55.040 --> 0:12:57.520
<v Speaker 2>the Asian community, it stays there like twenty days. In

0:12:57.520 --> 0:13:01.480
<v Speaker 2>the white community is stayed they're like ten days, fifteen days.

0:13:01.600 --> 0:13:04.680
<v Speaker 2>In the black community, it stayed there like two minutes.

0:13:05.679 --> 0:13:13.440
<v Speaker 2>It's right, And that's what the pitstop. O Joe and

0:13:13.480 --> 0:13:15.720
<v Speaker 2>I had a conversation. We've had a conversation. That old

0:13:15.800 --> 0:13:19.040
<v Speaker 2>cho was like, yes, so Doc, if I gave somebody,

0:13:19.080 --> 0:13:22.559
<v Speaker 2>if I gave a person three hundred and eighty thousand dollars,

0:13:23.160 --> 0:13:25.960
<v Speaker 2>and that's all the money I ever they gave and

0:13:26.000 --> 0:13:30.080
<v Speaker 2>they weren't working. They're twenty years old. Let's just say

0:13:30.120 --> 0:13:33.000
<v Speaker 2>twenty five thirty. With that money last them a lifetime.

0:13:33.559 --> 0:13:37.200
<v Speaker 6>We won't last them six months. Look, it happens every day.

0:13:37.320 --> 0:13:42.000
<v Speaker 1>Is called lawsuit settlements. It happens every day. You know,

0:13:42.760 --> 0:13:44.720
<v Speaker 1>you go to urban radio stage, listen, just have a

0:13:44.760 --> 0:13:49.240
<v Speaker 1>real conversation. I mean, because Malcolm X said, we've been bamboozo,

0:13:49.960 --> 0:13:54.560
<v Speaker 1>we've been tricked, we've been full, we've been hoodwinked. That

0:13:54.640 --> 0:13:58.280
<v Speaker 1>applies to so much. President Bill Clinton once said, it's

0:13:58.280 --> 0:13:59.760
<v Speaker 1>hard to guess, mighty agree to the truth on the

0:13:59.800 --> 0:14:04.840
<v Speaker 1>line is paying their paycheck. Here the book ends us

0:14:05.040 --> 0:14:08.120
<v Speaker 1>two statements and book ends hoodwing bamboozoo.

0:14:10.080 --> 0:14:10.679
<v Speaker 2>Run them up.

0:14:11.160 --> 0:14:14.319
<v Speaker 1>Yeah, the other comment, it's hard to get somebody agreed

0:14:14.360 --> 0:14:17.800
<v Speaker 1>to the truth if a lias paying the paycheck. Now

0:14:18.480 --> 0:14:23.920
<v Speaker 1>in the middle of financial illiteracy. Now you go to

0:14:23.960 --> 0:14:27.880
<v Speaker 1>an urban radio station. Its focusing on our community and

0:14:27.920 --> 0:14:33.160
<v Speaker 1>listen to the ads. As in the ads are pivot

0:14:35.440 --> 0:14:41.120
<v Speaker 1>law firms, lawsuits, I mean high interest rate. Third, you know,

0:14:41.800 --> 0:14:46.640
<v Speaker 1>the sea paper mortgages, seapaper auto loans is right there

0:14:46.640 --> 0:14:48.840
<v Speaker 1>in broad daylight. I'm gonna go one step further, and

0:14:49.040 --> 0:14:51.600
<v Speaker 1>so they get they get these settlements, slipping falls, whatever,

0:14:51.920 --> 0:14:53.920
<v Speaker 1>you know, people running in front of cars and tripping.

0:14:54.200 --> 0:14:57.000
<v Speaker 1>But by the way, criminals. AI is gonna make criminality

0:14:57.120 --> 0:15:01.640
<v Speaker 1>really a bad business. These are bonyxies and artificial intelligence.

0:15:01.760 --> 0:15:04.240
<v Speaker 1>You need to get a new gig. That day is

0:15:04.880 --> 0:15:07.440
<v Speaker 1>soon and I mean next years over. But anyway, back

0:15:07.480 --> 0:15:11.360
<v Speaker 1>to this point. You go to our neighborhood. You go

0:15:11.400 --> 0:15:13.800
<v Speaker 1>to a place where we grew up, and here's what

0:15:13.840 --> 0:15:19.400
<v Speaker 1>you see. Check casher next to a paydad on lender,

0:15:20.760 --> 0:15:24.280
<v Speaker 1>next you renter owned store, next to a title linder,

0:15:25.520 --> 0:15:31.200
<v Speaker 1>next to a liquor store next for pawnshop, a fast

0:15:31.200 --> 0:15:35.960
<v Speaker 1>food store restaurant, and a church down the street. Try

0:15:36.000 --> 0:15:38.800
<v Speaker 1>to make you feel a little bit better once a week.

0:15:38.840 --> 0:15:41.920
<v Speaker 1>That's your neighborhood psychologists, that's your neighborhood strength. We don't

0:15:41.920 --> 0:15:44.440
<v Speaker 1>want to admit we crazy. Oh, I can't go to

0:15:44.480 --> 0:15:47.440
<v Speaker 1>a psychologist or a shrink. Somebody might think I'm crazy.

0:15:47.680 --> 0:15:49.800
<v Speaker 1>If you black in America and don't think you're crazy,

0:15:50.000 --> 0:15:53.120
<v Speaker 1>you're crazy. So we go there and hoop and holla.

0:15:53.240 --> 0:15:54.520
<v Speaker 6>Used to. That's one of our problems.

0:15:54.520 --> 0:15:55.840
<v Speaker 1>We don't go to church anymore. We don't have any

0:15:55.840 --> 0:15:59.240
<v Speaker 1>spirituality anymore. That's a whole nother conversation. We've been really

0:15:59.240 --> 0:16:01.800
<v Speaker 1>hoodwink now because now we think money's got, we think

0:16:01.920 --> 0:16:04.920
<v Speaker 1>materialism is god. We think some rappers got anyway. So

0:16:05.400 --> 0:16:07.640
<v Speaker 1>now the one place you could go and hoop and hollow,

0:16:07.680 --> 0:16:12.440
<v Speaker 1>we don't go there anymore. That's so you don't go crazy. Now, literally,

0:16:12.920 --> 0:16:18.240
<v Speaker 1>you're being pimped. A five hundred credit score neighborhood that

0:16:18.360 --> 0:16:20.720
<v Speaker 1>all you see, the only place you see? Those places?

0:16:21.120 --> 0:16:22.840
<v Speaker 1>Or is it a five hundred credit cocred neighborhood? By

0:16:22.880 --> 0:16:27.440
<v Speaker 1>the way, black and brown urban or white rural? Now

0:16:27.440 --> 0:16:31.240
<v Speaker 1>you go fifteen minutes away in every city in America.

0:16:31.240 --> 0:16:33.240
<v Speaker 1>I mapped every zip code in America by credit score. Is

0:16:33.240 --> 0:16:37.080
<v Speaker 1>I Hope Financial the Hope Financial Wellness Index, And can

0:16:37.120 --> 0:16:39.080
<v Speaker 1>go my website and put you put you in your

0:16:39.120 --> 0:16:41.280
<v Speaker 1>put in your zip code. I'll tell your credit score

0:16:41.320 --> 0:16:42.680
<v Speaker 1>in your neighborhood, I tell you how you live in.

0:16:43.280 --> 0:16:46.360
<v Speaker 1>You go fifteen minutes away from that zip code, and

0:16:46.400 --> 0:16:50.600
<v Speaker 1>you're in a seven hundred credit score neighborhood in Chicago.

0:16:51.160 --> 0:16:53.720
<v Speaker 1>I think it's Lincoln something. And then fifteen minutes from there,

0:16:53.720 --> 0:16:56.480
<v Speaker 1>I think it's Garfield Park or something. Five hundred versus

0:16:56.520 --> 0:16:58.240
<v Speaker 1>seven hundred, seve hundred versus five hundred.

0:16:58.360 --> 0:17:00.960
<v Speaker 6>You go. You know, Atlanta's the same thing. La is

0:17:01.000 --> 0:17:03.480
<v Speaker 6>the same thing every wherever you are now. And that's

0:17:03.480 --> 0:17:05.000
<v Speaker 6>center of the Chriscore neighborhood.

0:17:07.400 --> 0:17:13.480
<v Speaker 1>Two parent households, prime financy, seventy five percent home ownership rate,

0:17:14.720 --> 0:17:22.639
<v Speaker 1>prime almost not existing, whole foods, sit down restaurants, proper businesses,

0:17:23.840 --> 0:17:29.240
<v Speaker 1>mainstream banks, right fifteen minutes away a third world country.

0:17:29.880 --> 0:17:31.040
<v Speaker 6>We think this is normal.

0:17:31.160 --> 0:17:33.560
<v Speaker 1>This is why you cannot give somebody three hundred and

0:17:33.560 --> 0:17:37.399
<v Speaker 1>fifty three hundred and eighty thousand dollars and think that

0:17:37.440 --> 0:17:40.240
<v Speaker 1>they're gonna forget a lifetime. It won't last them a year,

0:17:40.280 --> 0:17:42.640
<v Speaker 1>I said six months. I'll be gracious, it won't last.

0:17:42.680 --> 0:17:45.160
<v Speaker 1>If your outflow seed your inflow, then your overhead will

0:17:45.160 --> 0:17:48.480
<v Speaker 1>be your downfall. I'm gonna go one step further. We

0:17:48.600 --> 0:17:54.560
<v Speaker 1>are brilliant. Black Americans are literally geniuses. We came here enslaved.

0:17:54.560 --> 0:17:57.320
<v Speaker 1>My second great grandfather on my mother my dad's side,

0:17:57.320 --> 0:17:59.960
<v Speaker 1>and my second great grandmother on my mother's side. Both

0:18:00.600 --> 0:18:03.960
<v Speaker 1>my grandfather was a sharecropper. So I'm talking from the

0:18:04.040 --> 0:18:06.480
<v Speaker 1>real place. We come from nothing. I got from the

0:18:06.520 --> 0:18:09.359
<v Speaker 1>bottom cortele of poverty and compon in South Central to

0:18:09.440 --> 0:18:11.919
<v Speaker 1>the top one percent in one lifetime because of what

0:18:11.920 --> 0:18:15.200
<v Speaker 1>we're talking about in me understanding how this system actually works.

0:18:15.320 --> 0:18:22.000
<v Speaker 1>Now we're brillian and we're geniuses. Imagine what would have happened,

0:18:22.119 --> 0:18:25.080
<v Speaker 1>Ocho Senko, Imagine what happened, Shannon if we had a

0:18:25.080 --> 0:18:38.080
<v Speaker 1>black Jewish business plan. Imagine what if we didn't have

0:18:38.080 --> 0:18:40.159
<v Speaker 1>a forty percent home ownership. We go ahead, Shanne, were

0:18:40.200 --> 0:18:40.880
<v Speaker 1>about to say.

0:18:40.800 --> 0:18:42.600
<v Speaker 2>I wanted that. I want you to explain what that

0:18:42.640 --> 0:18:44.159
<v Speaker 2>means and what that actually is.

0:18:45.440 --> 0:18:49.040
<v Speaker 6>Yeah, on in something versus talking about something. You know.

0:18:49.240 --> 0:18:53.280
<v Speaker 1>Poor people talk about other people. Wealthy people talk about

0:18:53.320 --> 0:18:57.760
<v Speaker 1>their ideas. Go to a barbershop, go to the nelsalon

0:18:58.040 --> 0:19:01.000
<v Speaker 1>in black community, I'm not talking about us. I'm helping

0:19:01.000 --> 0:19:04.320
<v Speaker 1>her to help us listen to what we're talking about.

0:19:05.280 --> 0:19:08.119
<v Speaker 1>We're talking about mostly other people.

0:19:08.240 --> 0:19:08.760
<v Speaker 6>You go ahead, go.

0:19:08.760 --> 0:19:11.920
<v Speaker 1>Ahead, ya, you are like your single By the way.

0:19:11.880 --> 0:19:13.840
<v Speaker 6>Now, it doesn't matter what you call me. I'm answered.

0:19:14.080 --> 0:19:16.200
<v Speaker 6>I have a question one of the things you just said.

0:19:17.880 --> 0:19:20.719
<v Speaker 7>The others talk about their ideas and how they can

0:19:20.760 --> 0:19:25.800
<v Speaker 7>work together. When it comes to us, we have a

0:19:25.880 --> 0:19:28.280
<v Speaker 7>problem working together because we don't want to see each

0:19:28.280 --> 0:19:31.160
<v Speaker 7>other win. We're always in competition with each other as

0:19:31.160 --> 0:19:34.280
<v Speaker 7>opposed to other ethnicities, they're more so.

0:19:34.600 --> 0:19:35.159
<v Speaker 6>Okay, if you.

0:19:35.200 --> 0:19:37.919
<v Speaker 7>Had this idea, well i'm gonna pick you up. And

0:19:37.960 --> 0:19:40.320
<v Speaker 7>then whoever's above him, well i'm gonna pick you up

0:19:40.880 --> 0:19:43.679
<v Speaker 7>where they always they always work in unison. And a

0:19:43.800 --> 0:19:46.440
<v Speaker 7>very small percentage of us want to see each other

0:19:46.480 --> 0:19:48.879
<v Speaker 7>win or help us get to a level where we

0:19:48.920 --> 0:19:50.720
<v Speaker 7>want to. All right, we want to see you win,

0:19:51.400 --> 0:19:52.880
<v Speaker 7>you know, and I don't want to see I want

0:19:52.880 --> 0:19:54.520
<v Speaker 7>to see Joe win, but I don't want to see

0:19:54.560 --> 0:19:59.959
<v Speaker 7>him doing better than me would tell you why.

0:19:58.960 --> 0:20:07.000
<v Speaker 1>Why low self esteem? So check this out if you're

0:20:07.000 --> 0:20:10.840
<v Speaker 1>African American. By the way, there only there are only

0:20:11.960 --> 0:20:18.440
<v Speaker 1>African American ghettos in America. There are places where Italians live,

0:20:18.560 --> 0:20:22.320
<v Speaker 1>where Polish people live, there are places where Caribbean blacks live,

0:20:22.359 --> 0:20:25.120
<v Speaker 1>there are places where Black Africans live. There are places.

0:20:25.400 --> 0:20:26.760
<v Speaker 1>I want to make sure I put black people in this.

0:20:27.240 --> 0:20:32.600
<v Speaker 1>But there's only African American ghettos in America, inner cities

0:20:33.840 --> 0:20:36.360
<v Speaker 1>that are a magnet and a holding place for poverty.

0:20:37.400 --> 0:20:40.400
<v Speaker 1>What's that to relate to, dude? When we people say, oh,

0:20:40.640 --> 0:20:44.520
<v Speaker 1>African American y'all lazy, y'all non intelligence. Really, so you

0:20:44.640 --> 0:20:47.800
<v Speaker 1>went four hundred years ago, halfway around the world in

0:20:47.840 --> 0:20:52.520
<v Speaker 1>an agricultural economy to go get dummies from Africa and brought.

0:20:52.280 --> 0:20:54.880
<v Speaker 6>Them all the way across the world.

0:20:54.600 --> 0:20:59.120
<v Speaker 1>At incredible expense and brought them to America because we're stupid. No, no, no, no, no.

0:20:59.520 --> 0:21:00.240
<v Speaker 6>We were a.

0:21:00.240 --> 0:21:05.080
<v Speaker 1>Cultural geniuses of the land. I'm coming to your I'm

0:21:05.320 --> 0:21:08.520
<v Speaker 1>coming to your point now. They had this soil in

0:21:08.600 --> 0:21:11.640
<v Speaker 1>the American South that was a gold mine. It produced

0:21:12.359 --> 0:21:17.159
<v Speaker 1>crops that were incredible gold mines, cotton and tobacco is

0:21:17.280 --> 0:21:22.160
<v Speaker 1>gold mines. In fact, Haiti was the wealthiest, the wealthiest

0:21:22.160 --> 0:21:25.760
<v Speaker 1>outpost for France in the world was Haiti. And that's

0:21:25.760 --> 0:21:27.600
<v Speaker 1>a whole nother story that we get to it before

0:21:27.840 --> 0:21:30.679
<v Speaker 1>we end, because that's the reason America exists is Haiti.

0:21:30.960 --> 0:21:32.720
<v Speaker 1>But let me come back to this for a minute.

0:21:32.880 --> 0:21:34.719
<v Speaker 1>So now they bring us over here, and they did.

0:21:34.800 --> 0:21:38.119
<v Speaker 1>Guys as big as you and Shannon. Now, high self esteem, confidence,

0:21:38.240 --> 0:21:42.760
<v Speaker 1>your tribal leaders, your chieftains. They captured you. They brought

0:21:42.800 --> 0:21:45.760
<v Speaker 1>you here, but they got to beat the self esteem

0:21:45.760 --> 0:21:49.840
<v Speaker 1>out of you. The first thing you gonna do is fight.

0:21:49.960 --> 0:21:52.399
<v Speaker 1>You see your wife being abused, you see your children

0:21:52.440 --> 0:21:55.720
<v Speaker 1>being sold off. I'm not trying to start a gettybody

0:21:55.720 --> 0:21:58.000
<v Speaker 1>worked up and trying to explain to them how we

0:21:58.040 --> 0:22:02.080
<v Speaker 1>get to this low self esteem. So they're abusing your wife,

0:22:02.119 --> 0:22:04.080
<v Speaker 1>they're holding you down. It takes quite an eight people

0:22:04.080 --> 0:22:08.840
<v Speaker 1>to hold Shannon death. They're holding them down just until

0:22:08.880 --> 0:22:13.879
<v Speaker 1>he stops fighting, because that means he realizes he cannot

0:22:13.920 --> 0:22:16.840
<v Speaker 1>do anything to help his wife. They broke his spirit,

0:22:16.960 --> 0:22:18.800
<v Speaker 1>and not trying to break his body. They eat his body.

0:22:19.080 --> 0:22:21.280
<v Speaker 1>They're trying to break his spirit. We're not human beings

0:22:21.320 --> 0:22:27.320
<v Speaker 1>having a spiritual experience. We're spiritual beings having a human experience.

0:22:28.359 --> 0:22:31.520
<v Speaker 1>Energy matters. So now they sold your kids off in

0:22:31.520 --> 0:22:33.240
<v Speaker 1>a different direction. So you don't have any hope for

0:22:33.320 --> 0:22:35.160
<v Speaker 1>that most dangerous personal role as a person.

0:22:35.200 --> 0:22:36.359
<v Speaker 6>With no hope, they now.

0:22:36.240 --> 0:22:38.920
<v Speaker 1>Abused your wife. You can't do any protect her. Now

0:22:38.960 --> 0:22:41.240
<v Speaker 1>you just broke a broken man. Just with the way

0:22:41.280 --> 0:22:44.240
<v Speaker 1>they need you. Now they put you to work building

0:22:44.280 --> 0:22:46.920
<v Speaker 1>these crops. By the way, blacks and whites, poor blacks

0:22:46.920 --> 0:22:51.760
<v Speaker 1>and whites were friends in the sixteen hundreds in Americans

0:22:51.800 --> 0:22:55.080
<v Speaker 1>on the plantation. True fact is again somethings we wanted

0:22:55.080 --> 0:22:56.960
<v Speaker 1>to which had to be a go deep on. But

0:22:57.040 --> 0:23:00.840
<v Speaker 1>to answer your question, they had to break spirit. They

0:23:00.880 --> 0:23:03.959
<v Speaker 1>had to keep you away from books. They had to

0:23:03.960 --> 0:23:07.359
<v Speaker 1>not teach you financial literacy. They needed you to have

0:23:07.440 --> 0:23:10.840
<v Speaker 1>confidence in in taking soil and bringing you back to life.

0:23:10.880 --> 0:23:14.240
<v Speaker 1>What we were experts at Africa is hot, the soil

0:23:14.760 --> 0:23:17.240
<v Speaker 1>dies all the time. We were geniuses of the land

0:23:17.359 --> 0:23:20.359
<v Speaker 1>bringing it back to life. What's the largest attaped natural

0:23:20.400 --> 0:23:22.960
<v Speaker 1>resource in the world today to this day, it's Africa.

0:23:23.080 --> 0:23:26.199
<v Speaker 1>That's what everybody needs. By the way, Africa is the

0:23:26.200 --> 0:23:29.840
<v Speaker 1>future to American demograpan world demographics because the youngest people

0:23:30.000 --> 0:23:32.600
<v Speaker 1>in the world are in Nigeria. Anyway, back to this story.

0:23:32.880 --> 0:23:36.720
<v Speaker 1>So now you got high confidence today, let's fast forward.

0:23:36.840 --> 0:23:41.080
<v Speaker 1>Now African Americans were killing it in many, many sectors.

0:23:41.080 --> 0:23:44.359
<v Speaker 1>We have incredible confidence because we're competent, but we have

0:23:44.400 --> 0:23:47.360
<v Speaker 1>low self esteem. So if I don't like me, I'm

0:23:47.359 --> 0:23:50.720
<v Speaker 1>not gonna like you. If I don't feel good about me,

0:23:50.760 --> 0:23:53.560
<v Speaker 1>I'm not gonna feel good about you. If I don't

0:23:53.600 --> 0:23:55.600
<v Speaker 1>respect me, don't expect me to respect you. If I

0:23:55.600 --> 0:23:57.439
<v Speaker 1>don't love me, I don't have a clue how to

0:23:57.520 --> 0:23:59.800
<v Speaker 1>love you. And here's a big one. If I don't

0:23:59.800 --> 0:24:01.600
<v Speaker 1>have a purpose in my life, I want to make

0:24:01.760 --> 0:24:06.359
<v Speaker 1>your life a living hell because whatever goes around comes

0:24:06.400 --> 0:24:07.440
<v Speaker 1>around and hurt people.

0:24:07.520 --> 0:24:09.439
<v Speaker 6>Hurt people. There you go with crab in the barrel.

0:24:09.640 --> 0:24:12.040
<v Speaker 1>So now you have all these smart people who are

0:24:12.040 --> 0:24:16.560
<v Speaker 1>hooked on cash, not building wealth, Hooked on giving it

0:24:16.560 --> 0:24:21.960
<v Speaker 1>away versus collecting it, Hooked on transactions versus relationships, Hooked

0:24:21.960 --> 0:24:23.480
<v Speaker 1>on what I got to get versus what I have

0:24:23.600 --> 0:24:27.280
<v Speaker 1>to give. Being told religion isn't it important anymore? Forget

0:24:27.320 --> 0:24:29.960
<v Speaker 1>about that in spirituality. Now the devil's got you when

0:24:30.040 --> 0:24:32.199
<v Speaker 1>when you and Shannon get up in the morning and me,

0:24:32.600 --> 0:24:34.360
<v Speaker 1>the devil says, oh shit, they're up.

0:24:35.960 --> 0:24:38.440
<v Speaker 6>There's not enough of us. Because when you.

0:24:38.400 --> 0:24:41.439
<v Speaker 1>Succeed, I love it, I applaud you. I don't have

0:24:41.480 --> 0:24:43.399
<v Speaker 1>a self esteem problem. It's okay if you don't like me.

0:24:43.480 --> 0:24:44.120
<v Speaker 2>I like me.

0:24:47.200 --> 0:24:50.359
<v Speaker 6>So But self esteem and argance are two different things.

0:24:50.560 --> 0:24:52.080
<v Speaker 6>So what do we need?

0:24:52.280 --> 0:24:54.639
<v Speaker 1>Five pillars of success? So my last book is Financial

0:24:54.680 --> 0:24:56.600
<v Speaker 1>Literacy for All is the bestseller. One before that was

0:24:56.680 --> 0:24:59.399
<v Speaker 1>up from nothing before, six of them, but the one

0:24:59.440 --> 0:25:02.000
<v Speaker 1>before that, upp nothing had five pillars. It's much education.

0:25:02.080 --> 0:25:03.840
<v Speaker 1>You can shove down your throat. How do we reverse

0:25:03.840 --> 0:25:06.879
<v Speaker 1>what we're talking about? Oh, single, there's much education. You

0:25:06.920 --> 0:25:08.960
<v Speaker 1>can shut down your throat. That's why you see books

0:25:08.960 --> 0:25:12.000
<v Speaker 1>all around me in my office. I'm always reading. That's

0:25:12.040 --> 0:25:14.000
<v Speaker 1>why again, Shannon knows it, you're nosy.

0:25:14.080 --> 0:25:14.520
<v Speaker 6>I love it.

0:25:14.800 --> 0:25:19.960
<v Speaker 1>Number two, understanding how the language of money works. Financial

0:25:20.000 --> 0:25:22.080
<v Speaker 1>literacy is as important as the right to vote as

0:25:22.080 --> 0:25:25.320
<v Speaker 1>a four year education. A seven hundred credit score is

0:25:25.760 --> 0:25:27.919
<v Speaker 1>as important as a four year college degree. Yes, I

0:25:28.000 --> 0:25:29.760
<v Speaker 1>said it, And everybody who works with me as a

0:25:29.800 --> 0:25:32.119
<v Speaker 1>college degree. And they better have a good credit score

0:25:33.200 --> 0:25:35.919
<v Speaker 1>because you've never had a billionaire didn't do it on

0:25:35.960 --> 0:25:38.720
<v Speaker 1>good debt. You never had a successful country or city

0:25:39.080 --> 0:25:41.480
<v Speaker 1>that didn't do it on good debt. You cannot succeed

0:25:41.680 --> 0:25:44.120
<v Speaker 1>unless you understand how the system works, and you need

0:25:44.200 --> 0:25:48.400
<v Speaker 1>cheap access to good credit. Number three, you need self

0:25:48.480 --> 0:25:52.600
<v Speaker 1>esteem and confidence. Number well, Number three you need it.

0:25:52.640 --> 0:25:56.000
<v Speaker 1>We need family structure and resiliency. Number three. Number four

0:25:56.040 --> 0:25:58.119
<v Speaker 1>you need self esteem and confidence. We just covered that.

0:25:59.080 --> 0:26:02.159
<v Speaker 1>Number five you need models in the right environment. So

0:26:02.240 --> 0:26:04.400
<v Speaker 1>why do our kids want to be raps stars, athletes

0:26:04.440 --> 0:26:06.600
<v Speaker 1>and drug dealers with to the exclusion of everything else,

0:26:06.840 --> 0:26:09.760
<v Speaker 1>Because that's all they see in our neighborhood as symbol

0:26:09.840 --> 0:26:10.480
<v Speaker 1>is a success.

0:26:10.520 --> 0:26:13.160
<v Speaker 6>We're not dumb and we're stupid. We're brilliant. We're modeling

0:26:13.200 --> 0:26:15.720
<v Speaker 6>what we see.

0:26:15.840 --> 0:26:18.920
<v Speaker 1>Let's give the kid something different to see. Let's widen

0:26:18.960 --> 0:26:22.880
<v Speaker 1>their aperture. Let's let's make smart sexy again. Let's make

0:26:22.960 --> 0:26:27.640
<v Speaker 1>forget black lives matter, Let's make black capitalists matter. Looking So,

0:26:27.640 --> 0:26:30.040
<v Speaker 1>so that's why I say a black Jewish business plan

0:26:30.800 --> 0:26:32.920
<v Speaker 1>the number one way you build wealth in America.

0:26:34.600 --> 0:26:39.000
<v Speaker 6>Home ownership. What do we argue about endlessly because we.

0:26:39.000 --> 0:26:41.359
<v Speaker 1>Forty one fortyty three percent of black people own a

0:26:41.400 --> 0:26:44.679
<v Speaker 1>home compared to seventy five percent of our mainstream counterparts

0:26:44.840 --> 0:26:47.560
<v Speaker 1>read White. The whole tax cold in America is designed

0:26:47.560 --> 0:26:51.960
<v Speaker 1>to support credit scourse. I'm sorry, design to support home ownership.

0:26:53.520 --> 0:26:56.119
<v Speaker 1>But we want to argue about John, and then somebody

0:26:56.119 --> 0:26:59.479
<v Speaker 1>probably in the chat right now, we talking about we

0:26:59.560 --> 0:27:00.640
<v Speaker 1>don't own the home.

0:27:00.720 --> 0:27:08.600
<v Speaker 6>The bank owns a home if you don't pay.

0:27:11.200 --> 0:27:13.879
<v Speaker 1>I mean, I can go with this all day. I

0:27:13.920 --> 0:27:17.960
<v Speaker 1>like Matthews, it doesn't have an opinion. But no one

0:27:18.080 --> 0:27:21.600
<v Speaker 1>taught us this. I mean, this is basic stuff. Three

0:27:21.640 --> 0:27:25.080
<v Speaker 1>things have never gone down in value, stock market value,

0:27:25.119 --> 0:27:28.199
<v Speaker 1>real estate values, and GDP of America gross domestic car

0:27:28.480 --> 0:27:30.119
<v Speaker 1>and the history of America gone up. There was a

0:27:30.160 --> 0:27:33.359
<v Speaker 1>recession and received it and corrected above the line every time.

0:27:33.720 --> 0:27:36.200
<v Speaker 1>But John, let me ask you this. But here's the thing, though, John.

0:27:36.840 --> 0:27:39.680
<v Speaker 2>You know, in order to really invest in the stock,

0:27:39.760 --> 0:27:42.360
<v Speaker 2>you got to have what we call disposable income. If

0:27:42.400 --> 0:27:45.040
<v Speaker 2>you're using check, if you live in check to check,

0:27:45.280 --> 0:27:47.040
<v Speaker 2>If you got to pay a mortgage or rent, and

0:27:47.080 --> 0:27:48.560
<v Speaker 2>you got to pay a card note and you got

0:27:48.560 --> 0:27:52.120
<v Speaker 2>to play bills, that leaves you very little disposable income

0:27:52.440 --> 0:27:55.200
<v Speaker 2>in order to put into the market. So Therefore they're

0:27:55.320 --> 0:27:58.719
<v Speaker 2>why like a lot of people that don't have disposable income,

0:27:59.000 --> 0:28:03.119
<v Speaker 2>it's hard for them to accumulate, forget generational wealth, just

0:28:03.280 --> 0:28:06.000
<v Speaker 2>enough thing that when they retire, because I ain't really

0:28:06.000 --> 0:28:08.280
<v Speaker 2>count No, I ain't really count, no medicaid, medicare to

0:28:08.320 --> 0:28:10.399
<v Speaker 2>take care of She had a shark. So I'm just

0:28:11.000 --> 0:28:13.160
<v Speaker 2>I'm just like, hey, that's gonna be overwere But when

0:28:13.160 --> 0:28:16.119
<v Speaker 2>you don't, So how would one that has very little

0:28:16.920 --> 0:28:22.680
<v Speaker 2>or marginal disposable income accumulate something that when they retire

0:28:24.160 --> 0:28:26.720
<v Speaker 2>they have something? They have a nice little nest egg.

0:28:27.480 --> 0:28:30.199
<v Speaker 6>So you got you don't have a self esteem problem?

0:28:30.840 --> 0:28:34.240
<v Speaker 2>No, hell no, I love you won't have a problem when.

0:28:34.119 --> 0:28:35.760
<v Speaker 6>I say to you that what you just said is wrong.

0:28:36.640 --> 0:28:39.600
<v Speaker 1>Okay, Now when it comes to professional sports and the homewards,

0:28:39.840 --> 0:28:41.320
<v Speaker 1>I got to come to you and just shut up.

0:28:41.240 --> 0:28:44.800
<v Speaker 6>Because I don't know no clue. Okay, But there's.

0:28:44.640 --> 0:28:47.680
<v Speaker 1>Occasionally occasionally I might have something that I can give.

0:28:47.600 --> 0:28:50.080
<v Speaker 6>To you, and you just it was a beautiful setup

0:28:50.120 --> 0:28:51.160
<v Speaker 6>that is just incorrect.

0:28:51.560 --> 0:28:56.080
<v Speaker 1>My mother worked thirty two years and McDonald's aircraft, making

0:28:56.120 --> 0:29:01.800
<v Speaker 1>fifteen dollars an hour. She died September with a million

0:29:01.840 --> 0:29:05.080
<v Speaker 1>dollar networks. She had bought and sold seven homes. Her

0:29:05.120 --> 0:29:06.880
<v Speaker 1>credit score like he was eight fifty four.

0:29:06.920 --> 0:29:08.560
<v Speaker 6>I believe it was. He used to go over eight fifty.

0:29:08.560 --> 0:29:09.400
<v Speaker 6>It was eight fifty four.

0:29:10.880 --> 0:29:15.000
<v Speaker 1>So when so when somebody watching this says, well, Chanle,

0:29:15.040 --> 0:29:16.440
<v Speaker 1>it just made a great point, and he didn't make

0:29:16.480 --> 0:29:18.640
<v Speaker 1>a great point. Here you go, I don't have any

0:29:18.800 --> 0:29:24.120
<v Speaker 1>and disposable income. You went to Starbucks last week looking cigarettes.

0:29:24.720 --> 0:29:27.160
<v Speaker 1>If you go to small Starbucks three times a week

0:29:27.160 --> 0:29:29.680
<v Speaker 1>and you've got a cigarette habit, that's six thousand dollars

0:29:29.720 --> 0:29:31.640
<v Speaker 1>a year. You're making thirty six thousand dollars a year.

0:29:31.680 --> 0:29:34.400
<v Speaker 1>That's twenty percent of your income. I'll let that sink

0:29:34.440 --> 0:29:37.520
<v Speaker 1>in for a minute. The cigarettes on the box says

0:29:37.560 --> 0:29:40.360
<v Speaker 1>this shit will kill you, Like I don't know if

0:29:40.360 --> 0:29:41.400
<v Speaker 1>I can say that on your pocket.

0:29:41.440 --> 0:29:45.280
<v Speaker 6>This stuff you'll kill you, all right, So stop smoking.

0:29:44.920 --> 0:29:47.600
<v Speaker 1>Cigarettes and go get your curity machine at home and

0:29:47.680 --> 0:29:48.680
<v Speaker 1>make your own coffee.

0:29:49.040 --> 0:29:52.520
<v Speaker 6>You've now just recaptured three grand, two grand.

0:29:52.840 --> 0:29:53.560
<v Speaker 2>Take that put it.

0:29:53.560 --> 0:29:55.480
<v Speaker 1>Into by the way, don't even do that, just do

0:29:55.880 --> 0:29:58.080
<v Speaker 1>just stop doing silly stuff like going to a fast

0:29:58.120 --> 0:30:00.840
<v Speaker 1>food restaurant every other night. Took something at home and

0:30:00.960 --> 0:30:03.400
<v Speaker 1>want by the way, it might extend your life because

0:30:03.440 --> 0:30:06.160
<v Speaker 1>you cannot have a soul food diet for the rest

0:30:06.160 --> 0:30:07.520
<v Speaker 1>of your life and lived at eighty years old.

0:30:07.560 --> 0:30:09.440
<v Speaker 6>They're in no three hundred pounds eighty year olds.

0:30:09.520 --> 0:30:11.200
<v Speaker 1>And that's a design of diet of was des die

0:30:11.280 --> 0:30:14.280
<v Speaker 1>for slavery because they put them anyway, back to this.

0:30:14.440 --> 0:30:15.040
<v Speaker 6>Point, the.

0:30:17.120 --> 0:30:18.960
<v Speaker 2>Huh you could eat, You could eat like that where

0:30:18.960 --> 0:30:21.080
<v Speaker 2>you were in those fields working fourteen dollars a day.

0:30:21.760 --> 0:30:24.120
<v Speaker 1>You have to because they threw the They threw the

0:30:24.280 --> 0:30:26.720
<v Speaker 1>worst parts of the animal our back as a disrespect

0:30:26.760 --> 0:30:28.480
<v Speaker 1>to you. All you could do is turn it into

0:30:28.520 --> 0:30:32.000
<v Speaker 1>a delacy. Okay, grits, hog moss, pig feet.

0:30:31.920 --> 0:30:34.440
<v Speaker 2>Fried chick tailed neck, boxtails.

0:30:34.480 --> 0:30:37.600
<v Speaker 6>I love ox shellig and we put so on all

0:30:37.640 --> 0:30:39.120
<v Speaker 6>the meat so it didn't die in the heat.

0:30:39.520 --> 0:30:43.160
<v Speaker 1>Right. Yes, you had to cure it. That's preserved it, right, right.

0:30:43.520 --> 0:30:47.960
<v Speaker 1>So I love soul food twice a month, not three

0:30:48.080 --> 0:30:52.160
<v Speaker 1>times a day. That's why black folks are inflamed. We're

0:30:52.200 --> 0:30:56.080
<v Speaker 1>not fat, we are inflamed. Semi scent of all disease.

0:30:56.200 --> 0:30:58.720
<v Speaker 1>My wife changes a wellness expert. You'll tell you seventy

0:30:58.760 --> 0:31:03.200
<v Speaker 1>virusent of all disease live on inflammation, inflammation.

0:31:03.360 --> 0:31:06.760
<v Speaker 6>What is it? Comes from? Bad environment, bad food.

0:31:07.000 --> 0:31:10.600
<v Speaker 1>Back to this example, let's assume that you don't have

0:31:10.720 --> 0:31:14.280
<v Speaker 1>about to say, crackad happen. You don't have a a

0:31:14.440 --> 0:31:18.440
<v Speaker 1>dar Bucks with a cigarette alcohol. Yeah, listen, you don't

0:31:18.480 --> 0:31:20.520
<v Speaker 1>have that. You're just wasting a little bit of money.

0:31:20.680 --> 0:31:22.440
<v Speaker 1>Take twenty five dollars that you were going to go,

0:31:22.520 --> 0:31:27.640
<v Speaker 1>spend whatever and do fractional share investment. Okay, you can

0:31:27.680 --> 0:31:30.880
<v Speaker 1>buy a fraction of Warren Buffett's company, a twenty five

0:31:30.920 --> 0:31:34.960
<v Speaker 1>dollars fraction of a share in Target, Tarja, Walmart, you know,

0:31:35.200 --> 0:31:37.720
<v Speaker 1>wherever you whatever, you're dressed in, whatever you like, go

0:31:37.880 --> 0:31:40.680
<v Speaker 1>buy that and do whatever you can for a five

0:31:40.720 --> 0:31:44.240
<v Speaker 1>dollars ten dollars one you can do a dollar fractional share.

0:31:44.560 --> 0:31:45.800
<v Speaker 6>Don't tell me what you cannot do.

0:31:46.160 --> 0:31:46.440
<v Speaker 2>Earned it.

0:31:46.560 --> 0:31:48.720
<v Speaker 1>So somebody watching this, you're about to give somebody some money.

0:31:49.600 --> 0:31:52.520
<v Speaker 1>Somebody watching this, I'm gonna say, you gotta check coming

0:31:52.560 --> 0:31:55.600
<v Speaker 1>to you because of Ocho, Sinko and Shannon Shark. You

0:31:55.680 --> 0:31:59.360
<v Speaker 1>got to check five, six, ten, maybe twenty thousand dollars.

0:31:59.440 --> 0:32:03.160
<v Speaker 1>It's called the EITC. People will say, what's that? The

0:32:03.280 --> 0:32:06.440
<v Speaker 1>minute somebody in your chat says what's that. Congratulations. If

0:32:06.440 --> 0:32:08.240
<v Speaker 1>you make less than sixty thousand dollars a year, which

0:32:08.280 --> 0:32:10.560
<v Speaker 1>is half of this country, you just got a check

0:32:10.600 --> 0:32:13.120
<v Speaker 1>from the federal government through Shannon Sharp and Ocho Sinko.

0:32:13.160 --> 0:32:14.240
<v Speaker 6>It's called the EITC.

0:32:14.640 --> 0:32:16.440
<v Speaker 1>If you make thirty eight thousand dollars a year, you

0:32:16.520 --> 0:32:18.720
<v Speaker 1>live in a small town, you're listening to this podcast,

0:32:19.080 --> 0:32:21.560
<v Speaker 1>you have three children. The government owes you a check

0:32:21.640 --> 0:32:25.440
<v Speaker 1>for working. It's not a handout for seventy five hundred dollars,

0:32:25.480 --> 0:32:27.120
<v Speaker 1>about seousand, seventy five hundred dollars.

0:32:27.480 --> 0:32:28.440
<v Speaker 6>If you've never filed.

0:32:28.480 --> 0:32:33.920
<v Speaker 1>It's retroactive for three years. That's twenty grand. One out

0:32:33.920 --> 0:32:36.120
<v Speaker 1>of four Americans who qualify for it never even asked

0:32:36.160 --> 0:32:37.640
<v Speaker 1>for it. That's twenty billion.

0:32:37.400 --> 0:32:38.000
<v Speaker 6>Dollars a year.

0:32:38.160 --> 0:32:42.760
<v Speaker 1>Shannon, Wow, that's black people. To be real clear, that's us.

0:32:42.800 --> 0:32:45.600
<v Speaker 1>We don't have a tax pro We don't have anybody

0:32:45.640 --> 0:32:48.800
<v Speaker 1>doing our taxes. So so, and if you're rinting for

0:32:48.840 --> 0:32:50.560
<v Speaker 1>the same cause of a mortgage payment, you should be

0:32:50.600 --> 0:32:55.120
<v Speaker 1>owning the house, renting to own. You're scared you're paying

0:32:55.200 --> 0:32:57.320
<v Speaker 1>money uptown with people who don't like you. With money,

0:32:57.400 --> 0:32:59.120
<v Speaker 1>you don't have to buy something you can't afford to

0:32:59.200 --> 0:33:00.800
<v Speaker 1>be in some place. People, I don't want you there

0:33:01.680 --> 0:33:04.160
<v Speaker 1>in a door man in a house that you're that

0:33:04.320 --> 0:33:04.800
<v Speaker 1>I own.

0:33:05.080 --> 0:33:10.840
<v Speaker 6>I'm the landlord. I'm literally the landlord. I'm I found.

0:33:10.880 --> 0:33:13.760
<v Speaker 1>I'm the largest minority owner of single family rental homes

0:33:13.800 --> 0:33:14.280
<v Speaker 1>in America.

0:33:14.640 --> 0:33:15.520
<v Speaker 2>But I was I bought.

0:33:15.560 --> 0:33:17.880
<v Speaker 1>I bought this company, Promise Homes. Company owned seven hundred

0:33:17.920 --> 0:33:20.240
<v Speaker 1>homes between here and Florida. I sold most of the

0:33:20.280 --> 0:33:22.840
<v Speaker 1>company in twenty twenty one. And I did that over

0:33:22.960 --> 0:33:25.600
<v Speaker 1>five years. And I encourage people not to rent from me,

0:33:25.960 --> 0:33:29.560
<v Speaker 1>Rent and get out, go buy a house. So it's

0:33:29.600 --> 0:33:34.520
<v Speaker 1>a misnomer that you can't do this. Whether you believe

0:33:34.560 --> 0:33:36.320
<v Speaker 1>you can or whether you believe you can't, you're right.

0:33:37.560 --> 0:33:39.160
<v Speaker 1>Is a glass half full or is it half empty?

0:33:39.160 --> 0:33:41.080
<v Speaker 1>Because he's looking at the glass. One thing I know

0:33:41.120 --> 0:33:45.240
<v Speaker 1>about you too, you're optimists over the rounded, through it.

0:33:45.280 --> 0:33:47.560
<v Speaker 1>You're gonna get to it. You're gonna run over somebody

0:33:47.840 --> 0:33:48.200
<v Speaker 1>to do it.

0:33:49.560 --> 0:33:50.000
<v Speaker 6>Is that right?

0:33:50.520 --> 0:33:54.160
<v Speaker 1>Yeah, that's exactly what your listeners should be should be doing.

0:33:54.880 --> 0:33:57.400
<v Speaker 1>Never say never, don't say I can't do this. It's

0:33:57.400 --> 0:34:00.640
<v Speaker 1>impossible because I'm making a little money. No, you got

0:34:00.760 --> 0:34:03.920
<v Speaker 1>to have the right habits. Most of success is hustle

0:34:04.440 --> 0:34:11.760
<v Speaker 1>and good habits and optimism. Money's overrated. I never focus

0:34:11.840 --> 0:34:13.960
<v Speaker 1>on money. I got more than I need. I never

0:34:14.040 --> 0:34:16.879
<v Speaker 1>focus on it. I think it was on passion, purpose, authenticity.

0:34:17.080 --> 0:34:19.440
<v Speaker 1>What what I I'm anyway?

0:34:19.719 --> 0:34:22.560
<v Speaker 6>I'm trying. Look, I can move somebody's credit score.

0:34:23.200 --> 0:34:26.359
<v Speaker 1>Listening to you, who's making forty thousand dollars a year,

0:34:26.640 --> 0:34:28.279
<v Speaker 1>I can turn it into a homeowner in a year.

0:34:28.560 --> 0:34:30.160
<v Speaker 6>I can get your credit score up in fifty four

0:34:30.200 --> 0:34:31.080
<v Speaker 6>points in six months.

0:34:31.160 --> 0:34:33.399
<v Speaker 1>To my whole financial coaching, I can get your debt

0:34:33.440 --> 0:34:36.759
<v Speaker 1>down thirty eight hundred dollars, your savings up twelve hundred dollars.

0:34:36.840 --> 0:34:38.279
<v Speaker 6>In six to eight months.

0:34:38.280 --> 0:34:40.239
<v Speaker 1>I'm doing it through I have fifteen hundred offices at

0:34:40.280 --> 0:34:43.440
<v Speaker 1>Operation Hope that do financial coaching for free inside of

0:34:43.520 --> 0:34:45.680
<v Speaker 1>bank branches. So the bank then says yes to you

0:34:46.000 --> 0:34:49.600
<v Speaker 1>to become a homeowner. I'm not talking theory to you, brother.

0:34:49.640 --> 0:34:52.920
<v Speaker 1>I've done four and a half billion dollars. I've invested

0:34:53.000 --> 0:34:56.200
<v Speaker 1>four and a half billion dollars in the black and

0:34:56.239 --> 0:34:59.759
<v Speaker 1>brown neighborhoods through Operation Hope with exact stuff we're talking about.

0:34:59.800 --> 0:35:03.759
<v Speaker 2>This is not theory, John. If we don't get you

0:35:03.800 --> 0:35:06.000
<v Speaker 2>out of here on this What would be your one

0:35:06.200 --> 0:35:09.680
<v Speaker 2>what would be your one best piece of advice you

0:35:09.760 --> 0:35:10.920
<v Speaker 2>could give our chat tonight.

0:35:11.800 --> 0:35:15.120
<v Speaker 1>Get off your rear end and stop complaining and stop whining,

0:35:16.000 --> 0:35:19.759
<v Speaker 1>stop obsessing with stuff. Is like racism is like rain.

0:35:19.840 --> 0:35:23.200
<v Speaker 1>It's either fall in some place or it's gathering. So

0:35:23.320 --> 0:35:25.000
<v Speaker 1>get out an umbrella and the color of your life

0:35:25.080 --> 0:35:27.439
<v Speaker 1>and start strolling through it. Because it's not going to change.

0:35:27.440 --> 0:35:30.080
<v Speaker 1>It's been around since Jesus. It's not going to change.

0:35:30.160 --> 0:35:33.520
<v Speaker 1>So you must get your hand right, get your mind right,

0:35:33.600 --> 0:35:36.239
<v Speaker 1>get your spirit right, get your life right, get out

0:35:36.280 --> 0:35:39.600
<v Speaker 1>of your own way. Realize that you're God's child, that

0:35:40.080 --> 0:35:43.000
<v Speaker 1>no one has these fingerprints. They're completely unique and near yours,

0:35:43.200 --> 0:35:46.319
<v Speaker 1>and you could be great. You can beat o Cho

0:35:46.400 --> 0:35:49.920
<v Speaker 1>Sinko and Shanna Sharp because they were once you. You

0:35:50.719 --> 0:35:53.880
<v Speaker 1>can bet John O'Brien, you can beat Charlotte Mayne. You

0:35:54.440 --> 0:35:59.000
<v Speaker 1>can be Stephen A Smith. But there's no billionaire. There's

0:35:59.080 --> 0:36:03.600
<v Speaker 1>no billionaire who. There's no entertainer or no sports figure

0:36:04.040 --> 0:36:06.360
<v Speaker 1>who's a billionaire who didn't do it by cross without

0:36:06.360 --> 0:36:07.480
<v Speaker 1>crossing over into business.

0:36:08.680 --> 0:36:11.239
<v Speaker 6>Yeah, he's the only way. We can't one hundred percent.

0:36:11.440 --> 0:36:15.040
<v Speaker 1>You can't sell enough movie tickets or take our concert

0:36:15.080 --> 0:36:18.600
<v Speaker 1>tickets of merchandise. You can't do it with the your

0:36:18.640 --> 0:36:21.080
<v Speaker 1>single going back, can't do it with that cash won't

0:36:21.080 --> 0:36:25.000
<v Speaker 1>get there. You build wealth in your sleep, stocks, bonds,

0:36:25.120 --> 0:36:29.560
<v Speaker 1>home ownership, investments, businesses one MBB an operation. We created

0:36:29.719 --> 0:36:32.960
<v Speaker 1>half a billion, sorry, half a million black businesses since

0:36:33.000 --> 0:36:35.879
<v Speaker 1>George Floyd's murder. I'm committed to create a million black

0:36:35.880 --> 0:36:39.279
<v Speaker 1>businesses by twenty thirty. This is a Black Gewish business plan, right.

0:36:39.800 --> 0:36:42.760
<v Speaker 1>And there's only three point one million black businesses in America.

0:36:42.960 --> 0:36:44.880
<v Speaker 1>We've already created forty and fifty thousand of them, just

0:36:45.000 --> 0:36:47.440
<v Speaker 1>under five hundred thousand. That's twelve percent, give or take

0:36:48.560 --> 0:36:51.000
<v Speaker 1>of the national average. And I'm not going to stop

0:36:51.040 --> 0:36:52.480
<v Speaker 1>because this is one of the ways that we can

0:36:52.520 --> 0:36:57.520
<v Speaker 1>build wealth using our hustle, our talents. Don't don't just

0:36:57.560 --> 0:37:00.520
<v Speaker 1>stand on the mic. Own that damn thing. Don't rock

0:37:00.600 --> 0:37:04.520
<v Speaker 1>the mike, own the mike rental company, Own the stage

0:37:04.560 --> 0:37:07.880
<v Speaker 1>rental company, own the part porter potties at the movie

0:37:07.920 --> 0:37:10.920
<v Speaker 1>studio in the video shoot. Own the lighting system that

0:37:10.960 --> 0:37:14.000
<v Speaker 1>gets rented. Nobody these companies don't own that stuff. They

0:37:14.160 --> 0:37:18.120
<v Speaker 1>rent that stuff. Be the rental company, the VIP racist.

0:37:18.600 --> 0:37:21.359
<v Speaker 1>But own the company that prints those things and sell

0:37:21.400 --> 0:37:23.560
<v Speaker 1>it to the nightclub. Stop being a fool going to

0:37:23.600 --> 0:37:25.480
<v Speaker 1>the night clubs man a five hundred dollars on a

0:37:25.480 --> 0:37:28.200
<v Speaker 1>bottle of champagne that costs him twenty five Be the

0:37:28.280 --> 0:37:29.600
<v Speaker 1>company sells in the bottles.

0:37:29.640 --> 0:37:31.400
<v Speaker 6>Don't go to the club. Own the club.

0:37:32.160 --> 0:37:37.120
<v Speaker 1>I was with. I was with the Mike Maples, who's

0:37:37.160 --> 0:37:39.799
<v Speaker 1>a one of the top twenty venture capitalists. I'm sorry,

0:37:39.920 --> 0:37:41.600
<v Speaker 1>I'm passionate. Am I talking too much?

0:37:43.239 --> 0:37:44.400
<v Speaker 6>Go ahead, go ahead, go ahead.

0:37:44.960 --> 0:37:46.960
<v Speaker 1>But my mother, my mother always said, you know, wanna

0:37:46.960 --> 0:37:50.600
<v Speaker 1>be the old guy in the club out, I'm gonna

0:37:50.680 --> 0:37:55.040
<v Speaker 1>leave right. So this guy named Mike Maples, he's a

0:37:55.080 --> 0:37:58.440
<v Speaker 1>big venture capitalist in Silicon Valley. I was talking to

0:37:58.480 --> 0:38:01.400
<v Speaker 1>him one day. I said, Mike, tell me about your family. Oh,

0:38:01.560 --> 0:38:03.239
<v Speaker 1>just normal family. I'm not going to ask you that.

0:38:03.320 --> 0:38:05.359
<v Speaker 1>And she tells me about your family, Well, my dad

0:38:05.400 --> 0:38:08.560
<v Speaker 1>worked for Microsoft. Okay, what are you doing Microsoft? Oh

0:38:08.600 --> 0:38:10.600
<v Speaker 1>he worked for Bill Gates. That look, technically everybody works

0:38:10.600 --> 0:38:11.160
<v Speaker 1>for Bill Gates.

0:38:13.840 --> 0:38:22.840
<v Speaker 6>Yeah, like, what did you do?

0:38:23.160 --> 0:38:24.680
<v Speaker 1>By the way, we need a black Bill Gates as

0:38:24.719 --> 0:38:26.279
<v Speaker 1>much as we need a black president, by the way,

0:38:27.080 --> 0:38:29.880
<v Speaker 1>because I would create more that will create other billionaires,

0:38:29.920 --> 0:38:33.400
<v Speaker 1>other cent a millionaires, one hundred million, other multimillionaires, who

0:38:33.520 --> 0:38:35.759
<v Speaker 1>then create philanthropy in their neighborhood, who hire people who

0:38:35.760 --> 0:38:38.040
<v Speaker 1>look like them, mentor people look like them. The cascade

0:38:38.160 --> 0:38:40.719
<v Speaker 1>effect that would be incredible. Back to this example. So

0:38:40.840 --> 0:38:43.560
<v Speaker 1>I said, I worked for Bill Gates. Okay, I asked

0:38:43.640 --> 0:38:45.640
<v Speaker 1>him fourteen questions. I finally said, well, he was a

0:38:45.680 --> 0:38:50.440
<v Speaker 1>president of software. I said, hold on, slow down. Did

0:38:50.480 --> 0:38:54.080
<v Speaker 1>you just say your dad was in was the president

0:38:54.120 --> 0:38:57.880
<v Speaker 1>of software at Microsoft. So he really did work for

0:38:58.120 --> 0:39:01.359
<v Speaker 1>Bill Gates. Yeah, I said, you said your life was normal.

0:39:01.440 --> 0:39:01.920
<v Speaker 6>Tell me more.

0:39:02.120 --> 0:39:04.200
<v Speaker 1>Tell me about your first business. Well, you know, my

0:39:04.320 --> 0:39:06.480
<v Speaker 1>dad I started this no business. I forget what what was?

0:39:06.840 --> 0:39:09.960
<v Speaker 1>You know, whatever newspaper business, whatever it was, I forget

0:39:09.960 --> 0:39:11.799
<v Speaker 1>it was. He was twelve years old and he made

0:39:11.840 --> 0:39:13.879
<v Speaker 1>this the biggest business in his neighborhood. And he went

0:39:13.920 --> 0:39:16.200
<v Speaker 1>to his dad one day. Here's the point, he said, Dad,

0:39:16.400 --> 0:39:19.319
<v Speaker 1>I'm so excited I have made this the biggest business

0:39:19.360 --> 0:39:23.960
<v Speaker 1>our neighborhood. I'm gonna sell this business to Disney. Mindset

0:39:24.560 --> 0:39:27.680
<v Speaker 1>is Mike Mabel Senior said, I'm ashamed of you, son.

0:39:29.400 --> 0:39:30.320
<v Speaker 6>We don't think like that.

0:39:30.440 --> 0:39:34.480
<v Speaker 1>In this household. I raised you better than that. I'm

0:39:34.480 --> 0:39:36.680
<v Speaker 1>sitting scratching my head, going, wait a minute. The kid

0:39:36.760 --> 0:39:39.360
<v Speaker 1>just said, I'm a businessman. I'm gonna sell my business

0:39:39.400 --> 0:39:42.640
<v Speaker 1>now to Disney. He said, no, no, no, on this household.

0:39:43.040 --> 0:39:45.160
<v Speaker 1>We don't build a business and sell it to Disney.

0:39:45.640 --> 0:39:52.719
<v Speaker 1>We build a business to buy Disney. Wow, drop the mic.

0:39:53.120 --> 0:39:58.400
<v Speaker 1>What is Mike Mabel's doing today? Buying businesses? You model

0:39:58.440 --> 0:40:02.520
<v Speaker 1>what you see, so we need to we need we

0:40:02.640 --> 0:40:06.680
<v Speaker 1>need to become what we want to see. Look anybody

0:40:06.719 --> 0:40:08.640
<v Speaker 1>out there saying let's just give it away, even if

0:40:08.640 --> 0:40:09.880
<v Speaker 1>you want to distribute money like a.

0:40:09.920 --> 0:40:12.720
<v Speaker 6>Socialist, you got a first collected like a capitalist.

0:40:13.440 --> 0:40:13.879
<v Speaker 2>Mm hmm.

0:40:14.560 --> 0:40:16.800
<v Speaker 6>So anybody out there who has a problem with what

0:40:16.880 --> 0:40:18.960
<v Speaker 6>we've been saying for this last hour, let me say

0:40:19.040 --> 0:40:19.320
<v Speaker 6>this to you.

0:40:20.000 --> 0:40:26.040
<v Speaker 1>You try government, charity, you try social justice, you try guilt,

0:40:26.239 --> 0:40:29.920
<v Speaker 1>You tried whatever you tried. We tried a bunch yourself.

0:40:30.360 --> 0:40:36.040
<v Speaker 1>It ain't worked. Why don't you try capitalism? Hello, it

0:40:36.120 --> 0:40:38.560
<v Speaker 1>seems to work for everybody else. Everybody who's try to

0:40:38.640 --> 0:40:41.440
<v Speaker 1>use free enterprise and capitalism to set themselves free.

0:40:43.400 --> 0:40:47.880
<v Speaker 6>Have succeeded it. We're brilliant. Why can't we do it.

0:40:48.080 --> 0:40:52.279
<v Speaker 1>We can, we just have never tried it. That's what

0:40:52.400 --> 0:40:54.319
<v Speaker 1>I'm teaching at scale. That's what you're doing.

0:40:55.360 --> 0:40:56.040
<v Speaker 6>I listened to you.

0:40:56.320 --> 0:40:58.360
<v Speaker 1>You did a whole thing where you're talking about credit

0:40:58.400 --> 0:41:00.880
<v Speaker 1>scores when you I mean, I remember you said eight

0:41:00.960 --> 0:41:03.279
<v Speaker 1>hundred Do you don't not? Everybody was thinking, well, I

0:41:03.440 --> 0:41:04.960
<v Speaker 1>want to be like Shannon, I need a eight hundred

0:41:04.960 --> 0:41:08.600
<v Speaker 1>credit Scoore, o Cho, Si be dropping, be dropping some gems,

0:41:08.680 --> 0:41:12.680
<v Speaker 1>and you you be weaving knowledge. Charlemagne is very good

0:41:12.719 --> 0:41:16.360
<v Speaker 1>at this, weaving knowledge and education into the entertainment.

0:41:16.920 --> 0:41:17.040
<v Speaker 2>MM.

0:41:17.400 --> 0:41:21.640
<v Speaker 6>That's what need at scale. We gotta make this mainstream.

0:41:21.320 --> 0:41:28.640
<v Speaker 2>Right now, John, I appreciate you joining us tonight. That's

0:41:28.680 --> 0:41:30.560
<v Speaker 2>what we're gonna do from time to time. Our job

0:41:30.640 --> 0:41:33.760
<v Speaker 2>here at clubs at a Nightcap is to not only entertain,

0:41:33.880 --> 0:41:36.640
<v Speaker 2>That's what we do. We inform people about what transpired

0:41:36.680 --> 0:41:39.000
<v Speaker 2>in the game and so forth and so on, but

0:41:39.080 --> 0:41:41.760
<v Speaker 2>we also like to educate people. We like people because

0:41:41.800 --> 0:41:43.440
<v Speaker 2>we want to see our people succeed.

0:41:44.040 --> 0:41:44.120
<v Speaker 1>Uh.

0:41:44.280 --> 0:41:45.959
<v Speaker 2>And what better way to do it is that people

0:41:46.000 --> 0:41:49.000
<v Speaker 2>that's been successful. Sometimes they get we gets redundant here

0:41:49.239 --> 0:41:51.360
<v Speaker 2>from o Cho and I, and sometimes we need to

0:41:51.400 --> 0:41:54.040
<v Speaker 2>bring a new voice in someone that succeeded on a

0:41:54.120 --> 0:41:57.200
<v Speaker 2>grander scale, that can speak the things that Oacho and

0:41:57.320 --> 0:42:00.600
<v Speaker 2>I we need help understanding and talking about. So for

0:42:00.680 --> 0:42:03.960
<v Speaker 2>you to come on tonight and educate our group, our chat,

0:42:04.320 --> 0:42:05.719
<v Speaker 2>we greatly, greatly appreciate that.

0:42:06.800 --> 0:42:07.600
<v Speaker 6>Well, let me say this.

0:42:07.719 --> 0:42:10.440
<v Speaker 1>I think you're brilliant. I think what you've done here

0:42:10.680 --> 0:42:14.480
<v Speaker 1>is brilliant. I think that you guys are a great partnership.

0:42:14.920 --> 0:42:17.239
<v Speaker 1>You played very well on each other, and I think

0:42:17.280 --> 0:42:22.560
<v Speaker 1>it's very elegantly done. And I love seeing you shine.

0:42:22.640 --> 0:42:25.120
<v Speaker 1>I love seeing you succeed. And other people I know,

0:42:25.360 --> 0:42:28.480
<v Speaker 1>Bishop TD Jakes and Charlemagne and Steven A. Smith are

0:42:28.520 --> 0:42:30.560
<v Speaker 1>all rooting for you in that beautiful thing a black

0:42:30.600 --> 0:42:35.719
<v Speaker 1>man loving on another black man and completely straight. So

0:42:35.880 --> 0:42:39.040
<v Speaker 1>your audience, I want you to hear now this last thing. Anybody,

0:42:39.160 --> 0:42:40.920
<v Speaker 1>all of the folks who want to be ball players

0:42:40.960 --> 0:42:44.000
<v Speaker 1>and football god bless you, fantastic, no problem with it.

0:42:44.920 --> 0:42:48.120
<v Speaker 1>But seventy percent of all those in the NBA, seventy

0:42:48.120 --> 0:42:52.600
<v Speaker 1>percent of all those in professional football bankrupt five years

0:42:52.640 --> 0:42:55.000
<v Speaker 1>after retirement two.

0:42:56.520 --> 0:42:57.040
<v Speaker 6>Two years.

0:42:57.560 --> 0:43:00.680
<v Speaker 1>Thank you, Ojoe, you know better than me being conservative

0:43:01.360 --> 0:43:04.799
<v Speaker 1>and by the way, and then your wife leaves you. Yeah,

0:43:04.920 --> 0:43:08.400
<v Speaker 1>So this is if your outflows need your inflow, and

0:43:08.440 --> 0:43:09.960
<v Speaker 1>your orea is going to be your downfall. If you've

0:43:09.960 --> 0:43:11.840
<v Speaker 1>made all this money your whole life and you're now

0:43:11.960 --> 0:43:15.439
<v Speaker 1>used to be fettering you, protecting you, serving you, giving

0:43:15.440 --> 0:43:18.320
<v Speaker 1>you a paycheck, right, and then the paychock stops with

0:43:18.440 --> 0:43:22.040
<v Speaker 1>your lifestyle is at a point where the bills keep

0:43:22.120 --> 0:43:25.239
<v Speaker 1>coming and everybody else around you expects you to fund

0:43:25.280 --> 0:43:27.000
<v Speaker 1>their lifestyle and you're not doing them a favor. By

0:43:27.040 --> 0:43:30.440
<v Speaker 1>the way, all this posse that you're funding, you're not

0:43:30.560 --> 0:43:32.920
<v Speaker 1>doing them a favor because they can't take care of themselves.

0:43:33.360 --> 0:43:36.200
<v Speaker 1>You need people to be self reliant. Give them a handout,

0:43:36.280 --> 0:43:38.440
<v Speaker 1>not a handout, and then when you need help, they

0:43:38.480 --> 0:43:41.440
<v Speaker 1>can't come to help you because you're the source. So

0:43:41.600 --> 0:43:43.759
<v Speaker 1>we've got to get our mind rights, because even when

0:43:43.800 --> 0:43:46.359
<v Speaker 1>those who are succeeding at the top of their game

0:43:47.440 --> 0:43:52.000
<v Speaker 1>aren't using an opportunity to turn an income into wealth

0:43:52.640 --> 0:43:55.560
<v Speaker 1>that that pays you when you're sleep. So you can

0:43:55.600 --> 0:44:00.800
<v Speaker 1>be Reggie Jackson, you can be Magic Johnson. You Michael Jordan,

0:44:01.000 --> 0:44:03.600
<v Speaker 1>you can be Shannon's there's you know, there's a whole

0:44:03.680 --> 0:44:06.560
<v Speaker 1>list of the folks that he's done, is right, Hey, John,

0:44:06.600 --> 0:44:08.359
<v Speaker 1>I need a couple of those cars that Richie got.

0:44:09.760 --> 0:44:16.319
<v Speaker 8>You know, Regie, Reggie's balling many he is, he's John.

0:44:16.400 --> 0:44:18.480
<v Speaker 2>Thank you so much. I really appreciate that, man. I'll

0:44:18.520 --> 0:44:19.759
<v Speaker 2>be in touch with you. You know, you and I

0:44:19.920 --> 0:44:21.880
<v Speaker 2>we talked. We don't get together and do the have

0:44:22.040 --> 0:44:25.319
<v Speaker 2>a chew the fat, sit down and do some business together.

0:44:25.360 --> 0:44:25.440
<v Speaker 1>Bro.

0:44:25.480 --> 0:44:27.800
<v Speaker 2>I really appreciate what you're doing for our community and

0:44:28.040 --> 0:44:31.120
<v Speaker 2>uh and and part and partaking wisdom on our chat tonight.

0:44:31.200 --> 0:44:32.239
<v Speaker 2>So I greatly appreciate that.

0:44:32.360 --> 0:44:35.600
<v Speaker 1>Man. My my pleasure sending you love and light everybody.

0:44:35.680 --> 0:44:37.320
<v Speaker 1>Go out and get financial literacy for all is my

0:44:37.400 --> 0:44:38.840
<v Speaker 1>newest book, Piece of Light, and go get it. Go

0:44:38.840 --> 0:44:40.720
<v Speaker 1>get an operational was counseling. I'll give you one thousand

0:44:40.760 --> 0:44:43.120
<v Speaker 1>dollars free scholarships to go to Operation show get a

0:44:43.280 --> 0:44:44.600
<v Speaker 1>year's worth of coaching and counseling.

0:44:44.680 --> 0:44:46.279
<v Speaker 6>So don't say that Shannon didn't do anything for you.

0:44:46.400 --> 0:44:49.320
<v Speaker 6>Shannon and ochell single, thank you, boss.

0:44:49.560 --> 0:44:55.680
<v Speaker 2>You appreciate that. That was a John O'Brien. He's brilliant,

0:44:55.680 --> 0:44:58.319
<v Speaker 2>o Joe. I mean the way he can lay out

0:44:58.360 --> 0:45:01.640
<v Speaker 2>the way he can explain it to you what you

0:45:01.680 --> 0:45:03.239
<v Speaker 2>should buy, and that's what you have to do. You know,

0:45:03.320 --> 0:45:05.439
<v Speaker 2>people like, well, I ain't got no money. It's funny,

0:45:05.440 --> 0:45:06.800
<v Speaker 2>you ain't got no money, but you got money to

0:45:06.800 --> 0:45:09.360
<v Speaker 2>stop buy Starbucks drive through every day and buy a

0:45:09.480 --> 0:45:12.279
<v Speaker 2>five dollars or a seven dollars take Yeah, you got

0:45:12.360 --> 0:45:14.359
<v Speaker 2>money to do that. You got money. You got money

0:45:14.400 --> 0:45:18.440
<v Speaker 2>to go on all these vacations. I've never understood borring

0:45:18.560 --> 0:45:20.800
<v Speaker 2>money to go on a vacation. I never understood that,

0:45:20.800 --> 0:45:23.480
<v Speaker 2>o Jo. Maybe that's just me. I'm not gonna go

0:45:23.600 --> 0:45:25.960
<v Speaker 2>on if I can't go and pay for it. I'm

0:45:25.960 --> 0:45:27.360
<v Speaker 2>not finna go into DAP to do it.

0:45:27.760 --> 0:45:29.680
<v Speaker 6>Yeah. And you know, one of the things I've always had.

0:45:29.760 --> 0:45:30.120
<v Speaker 6>You noticed.

0:45:30.160 --> 0:45:31.880
<v Speaker 7>I know you were talking about you don't go on vacation,

0:45:32.400 --> 0:45:35.080
<v Speaker 7>But I also don't go on vacation until I put

0:45:35.120 --> 0:45:35.879
<v Speaker 7>in some type of work.

0:45:36.200 --> 0:45:38.359
<v Speaker 6>I see people listening, there's nothing wrong with that. If

0:45:38.400 --> 0:45:40.040
<v Speaker 6>there's nothing wrong with that, just my mindset.

0:45:40.040 --> 0:45:42.600
<v Speaker 7>It's a little different unless I when I think about

0:45:42.640 --> 0:45:45.759
<v Speaker 7>going on vacation, vacation. To me, the reason for going

0:45:45.760 --> 0:45:47.920
<v Speaker 7>on vacation is because I put in a certain amount

0:45:47.920 --> 0:45:49.960
<v Speaker 7>of work and the body needs to reset.

0:45:51.000 --> 0:45:52.120
<v Speaker 1>I need to have a.

0:45:53.640 --> 0:45:57.160
<v Speaker 6>Mental lapse of just of calmness, and peace. Yes, I

0:45:57.280 --> 0:45:58.560
<v Speaker 6>just going on a vacation, just to be going on

0:45:58.560 --> 0:46:00.120
<v Speaker 6>a vacation, just take pictures.

0:46:00.040 --> 0:46:00.399
<v Speaker 1>Have fun.

0:46:00.880 --> 0:46:03.719
<v Speaker 6>I never saw the point in that. But Joe, that

0:46:03.880 --> 0:46:04.600
<v Speaker 6>is me personally.

0:46:05.080 --> 0:46:07.239
<v Speaker 2>Can I ask you a question, How can I go

0:46:07.320 --> 0:46:09.800
<v Speaker 2>on vacation and I worried the whole time? How the

0:46:09.840 --> 0:46:14.080
<v Speaker 2>hell I'm gonna pay for this? That ain't no that

0:46:14.120 --> 0:46:16.480
<v Speaker 2>ain't no peace, So choke. I mean, I've got to

0:46:16.520 --> 0:46:19.080
<v Speaker 2>get away, like I ain't got a worry in the world.

0:46:19.320 --> 0:46:21.160
<v Speaker 2>I know when I get back, I still got I

0:46:21.160 --> 0:46:23.480
<v Speaker 2>got my mortgage is gonna be paid, the car payment's

0:46:23.480 --> 0:46:26.839
<v Speaker 2>gonna be paid, X amount of money going to savings, YadA, YadA, YadA.

0:46:27.160 --> 0:46:30.960
<v Speaker 2>I don't have to worry about paying for this vacation.

0:46:31.360 --> 0:46:33.560
<v Speaker 2>If I'm on the vacation and I'm like, oh, Lord,

0:46:33.640 --> 0:46:37.239
<v Speaker 2>have mercy, who I probably showed probably shit to come

0:46:37.360 --> 0:46:39.920
<v Speaker 2>And I hear people say, oh, I don't know how

0:46:39.960 --> 0:46:41.600
<v Speaker 2>I pay for this, but I worry about that later.

0:46:41.840 --> 0:46:46.120
<v Speaker 2>Huh Yeah, you think that that charge is gonna magically

0:46:46.160 --> 0:46:49.640
<v Speaker 2>disapprow on your credit card and they charge I don't

0:46:49.640 --> 0:46:51.279
<v Speaker 2>know what credit card rate is because I pay all

0:46:51.320 --> 0:46:54.200
<v Speaker 2>my probably what what's credit card rate? Fifteen twenty percent

0:46:55.280 --> 0:46:57.640
<v Speaker 2>and you paying You got a five ten thousand dollars

0:46:57.640 --> 0:46:59.640
<v Speaker 2>credit card and you sending in two hundred dollars a money.

0:47:02.040 --> 0:47:04.359
<v Speaker 2>What the hell you gonna do? You'll kid somebody else

0:47:04.360 --> 0:47:05.200
<v Speaker 2>gonna be paying that off.

0:47:06.640 --> 0:47:08.399
<v Speaker 7>It all starts one of one of the key things

0:47:08.440 --> 0:47:10.560
<v Speaker 7>that he did say that I always talk about. I

0:47:10.600 --> 0:47:12.600
<v Speaker 7>mean those that have followed me throughout the years. I

0:47:12.640 --> 0:47:15.920
<v Speaker 7>always talk about financial literacy and having a discipline. If

0:47:15.960 --> 0:47:17.840
<v Speaker 7>you don't have discipline, it doesn't matter what amount of

0:47:17.880 --> 0:47:21.399
<v Speaker 7>money they give you, you're gonna run through. You're gonna

0:47:21.440 --> 0:47:23.880
<v Speaker 7>run through it. That's why that argument on Twitter happens

0:47:24.000 --> 0:47:26.440
<v Speaker 7>every every so often when youven talk about credit score

0:47:26.680 --> 0:47:28.719
<v Speaker 7>and a certain amount of money, and I see all

0:47:28.760 --> 0:47:31.120
<v Speaker 7>the Twitter go with, oh, I want this amount of

0:47:31.160 --> 0:47:32.759
<v Speaker 7>money because where it is, I'm gonna just pay it

0:47:32.800 --> 0:47:34.319
<v Speaker 7>off and then I'm gonna flip it and I'm gonna

0:47:34.320 --> 0:47:37.160
<v Speaker 7>do this. It got all these ideas not really understanding

0:47:37.600 --> 0:47:38.760
<v Speaker 7>that's not how it works.

0:47:39.040 --> 0:47:40.480
<v Speaker 2>Oh Joe, remember I told you the story I was

0:47:40.520 --> 0:47:43.080
<v Speaker 2>in the NFL if I credit was so bad I

0:47:43.120 --> 0:47:43.839
<v Speaker 2>couldn't get a car.

0:47:44.680 --> 0:47:46.279
<v Speaker 6>Yoh yeah yeah, yeah, yeah, yeah yeah yeah.

0:47:46.440 --> 0:47:52.160
<v Speaker 2>Prime example, I couldn't get a car, and so I mean, now,

0:47:52.280 --> 0:47:54.680
<v Speaker 2>if you got if you want to pay cash from everything,

0:47:54.960 --> 0:47:59.239
<v Speaker 2>they're graciously accept it. But nah, if I got that

0:47:59.320 --> 0:48:01.600
<v Speaker 2>kind of cash, put it away. I want to put

0:48:01.640 --> 0:48:03.440
<v Speaker 2>a large portion of the way and let it work

0:48:03.520 --> 0:48:05.680
<v Speaker 2>for me because I know I'm gonna get somewhere between

0:48:05.719 --> 0:48:08.799
<v Speaker 2>four and eight percent. Yeah, I ain't trying to say

0:48:08.840 --> 0:48:10.440
<v Speaker 2>I ain't trying to pay no car. I ain't trying

0:48:10.440 --> 0:48:12.040
<v Speaker 2>to put two one thousand dollars playing a car for

0:48:12.040 --> 0:48:13.919
<v Speaker 2>at two hundre thousand dollars or having a car called

0:48:13.960 --> 0:48:16.480
<v Speaker 2>thirty thousand, forty thousand, or pay or I want to

0:48:16.520 --> 0:48:18.160
<v Speaker 2>get a house and I gotta pay for the whole house,

0:48:18.200 --> 0:48:20.600
<v Speaker 2>pay it off, or how to get some nah hell

0:48:20.760 --> 0:48:24.319
<v Speaker 2>nah no, that's just me. But uh, John, we really

0:48:24.360 --> 0:48:27.960
<v Speaker 2>appreciate you, hopefully chat you enjoyed that conversation about how

0:48:28.000 --> 0:48:32.400
<v Speaker 2>to you know, financial, be financially and physcally responsible because

0:48:32.400 --> 0:48:33.840
<v Speaker 2>at the end of the day, ain't nobody coming to

0:48:33.920 --> 0:48:36.640
<v Speaker 2>save you. Now, you you can hope, you can hope,

0:48:36.960 --> 0:48:39.799
<v Speaker 2>and we not. We're not doing political Ay, I've made

0:48:39.880 --> 0:48:43.200
<v Speaker 2>peace with the decision that the American public made on

0:48:43.360 --> 0:48:47.120
<v Speaker 2>November that second that second Tuesday in November. I've made

0:48:47.160 --> 0:48:50.800
<v Speaker 2>peace with that. I ain't. I ain't gonna work my

0:48:50.920 --> 0:48:53.800
<v Speaker 2>nerves up. These four years gonna go by the breeze,

0:48:54.239 --> 0:48:56.759
<v Speaker 2>just like the last four years and the four years

0:48:56.840 --> 0:48:58.960
<v Speaker 2>before that. So y'all can get all up saying and

0:48:58.960 --> 0:49:00.520
<v Speaker 2>talk about, Oh, I don't know what I'm gonna do.

0:49:00.880 --> 0:49:02.480
<v Speaker 2>I know what I'm gonna do. I'm gonna keep my

0:49:02.560 --> 0:49:06.040
<v Speaker 2>head down. I'm gonna keep my ears closed, and I'm

0:49:06.040 --> 0:49:08.560
<v Speaker 2>gonna go to work. That's what I'm gonna do.

0:49:08.800 --> 0:49:08.920
<v Speaker 1>Now.

0:49:09.000 --> 0:49:10.759
<v Speaker 2>I don't know what y'all gonna do, but I'm gonna

0:49:10.760 --> 0:49:12.799
<v Speaker 2>tell you what Shannon Sharan's gonna do. That's what I'm

0:49:12.840 --> 0:49:15.399
<v Speaker 2>gonna do. And when these four years is up, i'm

0:49:15.400 --> 0:49:17.040
<v Speaker 2>gonna look up. There's gonna be somebody to come in

0:49:17.360 --> 0:49:19.600
<v Speaker 2>make a whole lot of promises and they don't deliver.

0:49:19.920 --> 0:49:21.920
<v Speaker 2>Some people are gonna get delivered up. That's gonna get

0:49:21.920 --> 0:49:24.920
<v Speaker 2>delivered on, and some people are not. But y'all keep

0:49:24.960 --> 0:49:28.479
<v Speaker 2>worrying about this. I ain't worried about it. I can't.

0:49:28.680 --> 0:49:31.640
<v Speaker 2>I can't. I can't work my nerves up. I've made

0:49:31.680 --> 0:49:32.080
<v Speaker 2>peace with it.

0:49:32.200 --> 0:49:32.520
<v Speaker 6>O yoe.

0:49:32.800 --> 0:49:35.839
<v Speaker 2>I think they should also all your other Eagles are

0:49:36.120 --> 0:49:41.520
<v Speaker 2>selling snow from their playoff win. They're boxing up the snow,

0:49:42.160 --> 0:49:43.759
<v Speaker 2>put it in. I mean, they put it a little

0:49:44.000 --> 0:49:46.120
<v Speaker 2>container and you can buy it. I think it's nine

0:49:46.239 --> 0:49:47.480
<v Speaker 2>ninety nine, seven ninety nine.

0:49:48.400 --> 0:49:51.319
<v Speaker 6>Is that too much, O Joe, Yeah, that's that's too much.

0:49:51.640 --> 0:49:55.919
<v Speaker 7>That's too much because listen, but one of the fans Philadelphia,

0:49:56.320 --> 0:49:58.640
<v Speaker 7>the culture in general, they should be used to winning

0:49:58.680 --> 0:49:58.960
<v Speaker 7>by now.

0:50:00.040 --> 0:50:00.759
<v Speaker 6>You used to win in boy.

0:50:00.800 --> 0:50:05.360
<v Speaker 7>Now we're having the snow and there's no point because

0:50:06.000 --> 0:50:09.279
<v Speaker 7>being contention every year, you're gonna be contention every year.

0:50:09.440 --> 0:50:13.560
<v Speaker 7>Jeffrey Lewie and everyone else who is responsible putting that

0:50:14.160 --> 0:50:18.320
<v Speaker 7>team together, they're always going to be in contention because

0:50:18.560 --> 0:50:21.200
<v Speaker 7>those that are at the top know what the hell

0:50:21.239 --> 0:50:22.200
<v Speaker 7>they're goddamn doing.

0:50:22.360 --> 0:50:25.880
<v Speaker 2>Oh oh joy. They're selling it for fifty dollars, the

0:50:26.000 --> 0:50:30.200
<v Speaker 2>snow fitted fitted bucks what you.

0:50:30.480 --> 0:50:30.920
<v Speaker 1>No, man?

0:50:31.320 --> 0:50:35.200
<v Speaker 7>I mean, it's cool, but there's no point. There's no point,

0:50:35.320 --> 0:50:38.200
<v Speaker 7>y'all gonna be back in the NFC Championship again. Depending

0:50:38.239 --> 0:50:40.160
<v Speaker 7>on the color of jersey we wore, you know, I

0:50:40.200 --> 0:50:43.960
<v Speaker 7>would change my chint shrap. Yeah, a black chest shrap.

0:50:44.080 --> 0:50:45.919
<v Speaker 7>Sometimes I have an orange chinch strap and I would

0:50:45.920 --> 0:50:49.200
<v Speaker 7>wear the orange shoes you once. Remember everybody's shoes had

0:50:49.239 --> 0:50:52.080
<v Speaker 7>the match. Even back then, everybody had the same color.

0:50:52.120 --> 0:50:52.400
<v Speaker 6>Scheme.

0:50:53.120 --> 0:50:56.399
<v Speaker 7>I go, so I would, I would, I would take

0:50:56.440 --> 0:50:59.000
<v Speaker 7>the fine. I would take the fine. And then it

0:50:59.040 --> 0:51:01.319
<v Speaker 7>got to a point, like you're six or seven, they

0:51:01.360 --> 0:51:03.520
<v Speaker 7>will call down to David Folch.

0:51:03.600 --> 0:51:04.560
<v Speaker 6>Remember David Folcher.

0:51:05.160 --> 0:51:07.600
<v Speaker 2>Yeah, no, fool yeah, I played against me thirty three

0:51:07.640 --> 0:51:09.000
<v Speaker 2>with the Bengal y'all played against you?

0:51:09.280 --> 0:51:11.879
<v Speaker 6>Was are what do you call the guy that comes out?

0:51:12.000 --> 0:51:17.239
<v Speaker 2>And uh he was the uh what the uniform guy?

0:51:17.400 --> 0:51:19.040
<v Speaker 2>Uniful guy got so listen.

0:51:19.120 --> 0:51:21.000
<v Speaker 7>He would tell me during pre game and say, listen,

0:51:21.360 --> 0:51:23.840
<v Speaker 7>oh show now you know they're looking at you.

0:51:23.920 --> 0:51:25.680
<v Speaker 6>They're looking at you. And I spoke to that. You know,

0:51:25.719 --> 0:51:27.520
<v Speaker 6>I take the towe, I take the stream. I cut

0:51:27.600 --> 0:51:30.480
<v Speaker 6>the towel and had a long stream of hanging. He said,

0:51:31.080 --> 0:51:33.120
<v Speaker 6>that's not that's not an if issue. They're gonna get

0:51:33.160 --> 0:51:35.759
<v Speaker 6>you for that streamer. I say, folks, man, y'all make minds.

0:51:35.800 --> 0:51:38.080
<v Speaker 7>Well, go ahead and find me now, because I'm from

0:51:38.080 --> 0:51:40.120
<v Speaker 7>the wettest tower in these orange poets.

0:51:39.840 --> 0:51:43.560
<v Speaker 6>Of orange chin strap. I'm from the web that too, man.

0:51:43.640 --> 0:51:45.319
<v Speaker 6>It got to the point in your six or seven.

0:51:45.680 --> 0:51:48.120
<v Speaker 7>They were the league office will call in the middle

0:51:48.160 --> 0:51:50.839
<v Speaker 7>of the game and say I will be removed from

0:51:50.880 --> 0:51:52.080
<v Speaker 7>the game unless I take.

0:51:52.000 --> 0:51:56.120
<v Speaker 6>Those shoes off, unless I dream off was right Chin Street.

0:51:56.120 --> 0:52:00.000
<v Speaker 6>I'm like, what the hell? Yeah, this is yeah, Moovie

0:52:00.160 --> 0:52:02.919
<v Speaker 6>got to Oh yeah.

0:52:03.040 --> 0:52:04.879
<v Speaker 2>They made me o Joe because I had a pat

0:52:05.000 --> 0:52:07.640
<v Speaker 2>leather shoes. So the shoes was like white blue and

0:52:07.680 --> 0:52:11.640
<v Speaker 2>on where you can only have two colors, you can

0:52:11.719 --> 0:52:14.400
<v Speaker 2>only have two colors, so they made me cover up

0:52:14.440 --> 0:52:16.200
<v Speaker 2>one of the colors so you can cover. I don't

0:52:16.239 --> 0:52:17.799
<v Speaker 2>care what color it is, but you're gonna come up

0:52:17.840 --> 0:52:21.840
<v Speaker 2>one of them. I'm like, I just want to know

0:52:23.320 --> 0:52:25.759
<v Speaker 2>what is the What is I say, the shoe? I say,

0:52:25.840 --> 0:52:28.360
<v Speaker 2>everything matches, y'all make it seem like I got I

0:52:28.440 --> 0:52:30.759
<v Speaker 2>got on a blue and OI uniform and I got

0:52:30.840 --> 0:52:32.919
<v Speaker 2>on a red pair of cleves or something. I said,

0:52:32.960 --> 0:52:37.960
<v Speaker 2>come on, guys, it's like, hey, sharp, I don't make

0:52:38.000 --> 0:52:38.359
<v Speaker 2>the rules.

0:52:38.360 --> 0:52:39.040
<v Speaker 6>I just work here.

0:52:39.760 --> 0:52:41.319
<v Speaker 2>And I used to have a I have a blue chair.

0:52:41.320 --> 0:52:43.160
<v Speaker 2>I had a blue chair strap, so that rule was

0:52:43.160 --> 0:52:45.160
<v Speaker 2>implemented after I left Ojoe because I had a blue

0:52:45.440 --> 0:52:48.920
<v Speaker 2>blue chest strap. Basically my entire career and if you

0:52:49.000 --> 0:52:51.520
<v Speaker 2>go back and look my chant strap. I never buttoned

0:52:51.560 --> 0:52:53.160
<v Speaker 2>my full chair drap. It was never off.

0:52:53.239 --> 0:52:55.279
<v Speaker 6>I always kept my hanging on the right one hanging.

0:52:55.480 --> 0:52:56.160
<v Speaker 6>I did listen.

0:52:56.480 --> 0:52:58.759
<v Speaker 7>I saw Prime do it, so I was I did

0:52:58.800 --> 0:53:01.080
<v Speaker 7>it on offer, that's why, mahem. But always flying off.

0:53:01.440 --> 0:53:03.239
<v Speaker 7>I never I never buttoned the last one.

0:53:04.120 --> 0:53:07.280
<v Speaker 2>Both of mine was hanging. They're like button that chain strap.

0:53:07.320 --> 0:53:10.440
<v Speaker 2>I was like, no, something bagle happen. I buttoned this

0:53:10.520 --> 0:53:12.600
<v Speaker 2>chain scrap some bag of help. I'm gonna swing on

0:53:12.680 --> 0:53:21.239
<v Speaker 2>you official mm hmm

0:53:25.719 --> 0:53:25.879
<v Speaker 1>Vo