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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

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Speaker 1: accused of murdering a Texas man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan. These are just

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Speaker 1: some of the heinous migrant criminals caught because of President

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Speaker 1: Donald J. Trump's leadership. I'm Christy nom the United States

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Speaker 1: Secretary of Homeland Security. Under President Trump, attempted illegal border

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Speaker 1: crossings are at the lowest levels ever recorded, and over

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Speaker 1: one hundred thousand illegal aliens have been arrested. If you

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Speaker 1: are here illegally, your next you will be fined nearly

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Speaker 1: one thousand dollars a day, imprisoned, and deported. You will

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Speaker 1: never return. But if you register using our CBP home

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Speaker 1: app and leave now, you could be allowed to return legally.

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Speaker 1: Do what's right. Leave now. Under President Trump, America's laws,

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Speaker 1: border and families will be protected.

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Speaker 2: Sponsored by the United States Department of Homeland Security.

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Speaker 3: You got my god, Baron Davis oh Man. So let's

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Speaker 3: get into this. So we're gonna We're gonna have a

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Speaker 3: couple of different segments in this in this conversation. The

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Speaker 3: first segment is we're gonna ask you questions and they're

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Speaker 3: all related to credit. First question is a true or false?

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Speaker 3: So you got fifty to fifty chances on this. The

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Speaker 3: higher your income, the better your credit score.

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Speaker 4: That's false.

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Speaker 3: Yes, that is false, ladies and gentlemen experience. Yes, that

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Speaker 3: is false. You know, just because somebody makes a lot

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Speaker 3: of money doesn't necessarily mean they have the best credit. True. False.

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Speaker 5: An excellent credit profile can translate into big financial savings.

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Speaker 4: I guess ask the question again. That's a truck question,

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Speaker 4: bro true, he said truth.

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Speaker 5: I don't know say false. Yeah, Well, I'm going to

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Speaker 5: take the true answer that you said the second time,

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Speaker 5: because it's true.

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Speaker 4: Why.

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Speaker 5: Good credit can help you qualify for better interest rates

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Speaker 5: and terms on everything from credit cards to car loans,

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Speaker 5: to mortgage to business loans. Right, So if you have

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Speaker 5: a good credit profile, you'll get a better answer.

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Speaker 4: You can get yeah on a lot of those things.

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Speaker 3: All right, Multiple choice. Which of the following helps your

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Speaker 3: credit score? A on time bill payments, B A long

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Speaker 3: and diverse credit history, C using less than thirty percent

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Speaker 3: of your credit limit. D all of the above.

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Speaker 4: D all of the above.

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Speaker 5: Yes, you've been out the league for some time now,

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Speaker 5: So tell us about your approach to budgeting when you

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Speaker 5: were in the league versus how you approach budgeting now.

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Speaker 5: What's changed, whether any positive behaviors that you practice then

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Speaker 5: or negative ones that you practice that.

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Speaker 2: You got rid of.

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Speaker 4: I would say when I was in the league, it

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Speaker 4: was my life was super, super simplified, and so for me,

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Speaker 4: it was like thinking about my budgetship fit my routine.

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Speaker 4: So I spent a lot of money on CDs, movies,

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Speaker 4: movie tickets, you know, and clothes. But I would think,

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Speaker 4: you know, my routine was just so geared on basketball.

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Speaker 4: And I always say this to basketball players, and it

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Speaker 4: puts me back on track. Even now that I have

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Speaker 4: companies and payroll and rent and employees and all kind

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Speaker 4: of stuff I don't want to deal with. And so

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Speaker 4: anytime that I get kind of besides myself now as

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Speaker 4: a retired athlete, I get to get back to my

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Speaker 4: basketball routine, I would say. Now on the budgeting side,

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Speaker 4: it's just you have to be extremely, extremely organized between

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Speaker 4: your personal your business. Right.

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Speaker 5: This episode is brought to you by P and C Bank.

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Speaker 5: A lot of people think podcasts about work are boring. Sure,

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Speaker 5: your vision forward.

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Speaker 1: An illegal alien from Guatemala charged with raping a child

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Speaker 1: in Massachusetts. An MS thirteen gang member from El Salvador

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Speaker 1: accused of murdering a Texas man of Venezuelan charged with

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Speaker 1: filming and selling child pornography in Michigan just some of

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Speaker 1: the heinous migrant criminals caught because of President Donald J.

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Speaker 1: Trump's leadership. I'm Christy Noman, the United States Secretary of

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Speaker 1: Homeland Security. Under President Trump, attempted illegal border crossings are

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Speaker 1: at the lowest levels ever recorded, and over one hundred

105
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Speaker 1: thousand illegal aliens have been arrested. If you are here illegally,

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Speaker 1: your next you will be fine nearly one thousand dollars

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Speaker 1: a day imprisoned and deported, you will never return. But

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Speaker 1: if you register using our CBP home app and leave now,

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Speaker 1: you could be allowed to return legally. Do what's right.

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Speaker 1: Leave now. Under President Trump America's laws, border and families will.

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Speaker 2: Be protected sponsored by the United States Department of Homeland Security,

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Speaker 2: and then.

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Speaker 4: Whatever family, leisure, miscellaneous. And you have to create hard numbers,

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Speaker 4: you know what I mean. When I was younger, it

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Speaker 4: was like, all right, I got a little soft buffer,

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Speaker 4: but you have to create hard numbers. And as you

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Speaker 4: get older, you have to see, aren't deleting people off

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Speaker 4: of your runner show.

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Speaker 3: If you could go back ten fifteen years, what would

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Speaker 3: you tell yourself as it relates to finances, Like, what

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Speaker 3: would you tell your younger self as it relates to

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Speaker 3: dealing with money?

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Speaker 4: So I would probably just teach the younger Baron Davis

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Speaker 4: that where you're gonna get to is really is all

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Speaker 4: about the space that you're in. Learn basketball, learn the

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Speaker 4: people around you. If you want to be in finance,

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Speaker 4: there's a finance person that works for the team. If

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Speaker 4: you want to be in marketing and media, there are

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Speaker 4: all these people around you. So I would I would

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Speaker 4: more so program the younger version of myself to be

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Speaker 4: focus on developing relationships. Relationships.

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Speaker 3: What do you think that we can do better to

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Speaker 3: educate new players and fans about credit.

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Speaker 4: Credit games, credit trivia, credit rewards. I feel like the

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Speaker 4: best way to educate is to game of five right,

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Speaker 4: And for athletes, we learn by making mistake, correct mistake,

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Speaker 4: then being successful. But we have to learn in real time.

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Speaker 5: So this is the final segment. So we heard what

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Speaker 5: you said, and we'll take a synopsis of it and

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Speaker 5: give you the feedback on what we think about the

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Speaker 5: answers from our interpretation.

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Speaker 3: So what I got from Barron is that you always

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Speaker 3: have to develop relationships, right. I feel like getting to

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Speaker 3: know you Now we're in a lot of the same circles,

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Speaker 3: and all of those circles are relationship based, but it

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Speaker 3: really is who you know, and not just who you know,

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Speaker 3: but actually developing real relationships with those people. So it

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Speaker 3: doesn't necessarily have to be the highest ranking relationship. You

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Speaker 3: don't have to have Barack Obama's phone number, but your

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Speaker 3: next door neighbor could change your life. That's the fact.

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Speaker 3: Be important.

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Speaker 5: I think a couple of things I took away from it,

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Speaker 5: Number one being the most important person in your financial

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Speaker 5: freedom is you. People always ask me what's my favorite

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Speaker 5: financial advice, and I always say it's playing for the future,

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Speaker 5: because you're gonna be older a lot longer than you're

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Speaker 5: gonna be younger. Yeah, but I'm looking at what's gonna

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Speaker 5: look like in ten to fifteen years, right, and that's

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Speaker 5: gonna be a lot different. The money's gonna slow down.

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Speaker 5: But I need to to save my lifestyle. I need

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Speaker 5: to create. And so you were looking at the future

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Speaker 5: while you were in the present. And so I think

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Speaker 5: that's something that a lot of NBA and a lot

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Speaker 5: of athletes really should really take heed too. So that's

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Speaker 5: one of those things I'm like, Hey, he really living

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Speaker 5: in bodying me. So we appreciate you coming good.

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Speaker 4: Thank you.

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Speaker 3: Make some noise for the legendary Baron Davis.

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Speaker 1: An illegal alien from Guatemala charged with raping a child

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00:09:40,840 --> 00:09:44,640
Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador

171
00:09:44,880 --> 00:09:49,000
Speaker 1: accused of murdering a Texas man of Venezuelan charged with

172
00:09:49,080 --> 00:09:52,960
Speaker 1: filming and selling child pornography in Michigan. These are just

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00:09:53,080 --> 00:09:56,840
Speaker 1: some of the heinous migrant criminals caught because of President

174
00:09:56,880 --> 00:10:02,240
Speaker 1: Donald J. Trump's leadership. I'm Christinomanited States Secretary of Homeland Security.

175
00:10:02,559 --> 00:10:06,320
Speaker 1: Under President Trump, attempted illegal border crossings are at the

176
00:10:06,360 --> 00:10:10,240
Speaker 1: lowest levels ever recorded, and over one hundred thousand illegal

177
00:10:10,280 --> 00:10:14,080
Speaker 1: aliens have been arrested. If you are here illegally, your

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00:10:14,200 --> 00:10:18,319
Speaker 1: next you will be fined nearly one thousand dollars a day, imprisoned,

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00:10:18,600 --> 00:10:22,280
Speaker 1: and deported. You will never return. But if you register

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00:10:22,600 --> 00:10:25,720
Speaker 1: using our CBP home app and leave now, you could

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00:10:25,720 --> 00:10:29,880
Speaker 1: be allowed to return legally. Do what's right. Leave now.

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Speaker 1: Under President Trump, America's laws, border and families will be protected.

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Speaker 2: Sponsored by the United States Department of Homeland Security,