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Speaker 1: My next guest is a proud HBCU grad. She's earned

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Speaker 1: the title Wealth Pioneer. She's the founder of the Wealth Factory.

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Speaker 1: At the Wealth Factory, their mission is to reduce poverty

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Speaker 1: by by providing equal access to quality, easy to understand

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Speaker 1: financial literacy across the world. Please working the money making conversations,

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Speaker 1: Angel Rich, Hey, hey, hey, thanks for having me today. Well, well,

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Speaker 1: thank you for getting on the call of day. And

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Speaker 1: first of all, where yet in this early daytime hour. Yes,

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Speaker 1: I'm in the beautiful capital of Washington, d C. My

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Speaker 1: home city around fourth generation, so always happy to be

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Speaker 1: back into the city. Just got back from New York

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Speaker 1: last night. Okay, good, So what's this? What's a typical day?

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Speaker 1: Because I wanted want of the people understand who you are.

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Speaker 1: We're gonna go through the story of two breaks, and uh,

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Speaker 1: you know, I'm fascinated by My degree is in mathematics,

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Speaker 1: so you know, you, you know, what you're doing is

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Speaker 1: way beyond what I'm doing now because I got into scriptwriting,

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Speaker 1: I got in the sitcom, I got into producing town,

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Speaker 1: so I left all my algorithm life behind other than

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Speaker 1: just counting money. Okay, and you stayed in that lane

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Speaker 1: and you and you blossomed in that lane. So explain

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Speaker 1: to everybody what exactly you do. Yes. So, our company,

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Speaker 1: Wealthy Life designs financial literacy education technology games. We walk

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Speaker 1: people from birth to retirement through twelve interactive modules to

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Speaker 1: exceed the personal finance common Core standards. We also use

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Speaker 1: these games to be able to collect and disseminate financial information. Right.

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Speaker 1: The first game that we have is called Credit Stactors.

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Speaker 1: It's similar to Candy Crush, except for swapping around candy

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Speaker 1: around credit type, pay y off your debts, achieve a

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Speaker 1: hot core score, and learn from the multiple choice question.

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Speaker 1: Now that's now what what with that being said, as

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Speaker 1: you named a very popular game, and like you said,

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Speaker 1: what is the what is the reaction to you're trying

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Speaker 1: to educate because it's education, right that you're trying to

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Speaker 1: push here. Let people know how to control their money,

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Speaker 1: how to grow their money, how to stay I guess

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Speaker 1: I want to say financially stable. Correct. Yeah, So it's

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Speaker 1: been doing very well. We were able to scale to

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Speaker 1: over two hundred thousand downloads during our first ten days.

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Speaker 1: We now have over four hundred thousand downloads. It's the

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Speaker 1: number one education app is fourteen countries. It's top five

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Speaker 1: and forty countries, and it's been named the best financial

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Speaker 1: literacy product in the country by the White House Department

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Speaker 1: of Education Multitake and we're happy to be a member

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Speaker 1: of the Top fifty Apps department as well with Google

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Speaker 1: if they have identified it as one of the top

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Speaker 1: apps in the world for the past three years. Now

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Speaker 1: that now that's all amazing. Now Here a lot of

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Speaker 1: people get on more show talk a boy dropping apps,

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Speaker 1: trying to get apps out there, trying to get in

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Speaker 1: from How does one or through relationships or your reputation,

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Speaker 1: how does one drop an app get the do you

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Speaker 1: promoted through social media? How does that happen? Angel? Well,

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Speaker 1: you know, honestly, we didn't ask any of that. I was,

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Speaker 1: you know, I'm still a regular person. But at the time, no,

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Speaker 1: you know, I know, you know, you don't stop that

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Speaker 1: regular person the angel A Angel, You're not a regular person.

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Speaker 1: No you're not. I see what you're not gonna do

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Speaker 1: is come on money made conversation and act like I

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Speaker 1: talk corregular people. I was a regular person. I'm dropped

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Speaker 1: and I sat back in my um in my office

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Speaker 1: and as myself, how was we going to be able

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Speaker 1: to scale this without any funding. And so you know,

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Speaker 1: I kind of put the mathematical statistician head on and

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Speaker 1: we derived an algorithm. UM. So we were ros engineer

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Speaker 1: Facebook and Gram and Google, and we came up with

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Speaker 1: our own algorithm for user acquisition of the ads and

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Speaker 1: we did something in UM historic and groundbreaking. So our

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Speaker 1: algorithm actually now outperforms Google by seven point five times

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Speaker 1: and Facebook by twelve points five times. There's no systems

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Speaker 1: that can advertise to me that can attract users better

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Speaker 1: than what we're already doing. And we actually had Google

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Speaker 1: call and tell us this and confirmed this. We we

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Speaker 1: knew we were doing something amazing. But when Google called

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Speaker 1: and told us that they've never seen anything like it, UM,

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Speaker 1: we really knew we were owning something. So we've actually

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Speaker 1: kind of flashed that out into an algorithm on its

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Speaker 1: own that we call rich CPI, and we're working with

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Speaker 1: other companies to now help them be able to scale

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Speaker 1: their products. Now you need to be working with mcnow.

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Speaker 1: But now, how did rash come get in? The Angel?

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Speaker 1: Rich business? Stuff? Very serious because I I was sitting

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Speaker 1: with my staff this morning talking about algorith of them,

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Speaker 1: there are special people that that's what they do because

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Speaker 1: they understand this new form of marketing, this new form

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Speaker 1: of branding, this new form of being able to target

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Speaker 1: the audience that you're that you're communicating with. How does

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Speaker 1: an individual or I guess, I guess you couldn't say,

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Speaker 1: I'm an individual on a company. We'll be able to

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Speaker 1: take my brand and walking into the front door to

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Speaker 1: sit down and have a meeting with you or your team.

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Speaker 1: How does that work? Yes, so you would email us

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Speaker 1: at info at get welcome right there down y'all right

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Speaker 1: there down there, write that down there, and I'm gonna say,

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Speaker 1: if uh info at UM to this info at get

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Speaker 1: welcome life dot com and um, it's very important to

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Speaker 1: email us. A lot of people try to DM, linked in, Facebook, message,

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Speaker 1: text me, all different types of things, but I really

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Speaker 1: only take you seriously if you email me and so

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Speaker 1: UM on them is a great way to to get

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Speaker 1: to me. You know your LinkedIn and I say your LinkedIn,

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Speaker 1: went to LinkedIn and read about I'm on LinkedIn too,

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Speaker 1: by the way, Yeah, so that that is a great

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Speaker 1: way to get to me. But the most sufficient way

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Speaker 1: of getting to the entire team and everyone, it's info

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Speaker 1: at get walson life dot com. Now when that happens,

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Speaker 1: so much is going to contact me back and we're

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Speaker 1: gonna set up a meeting with a team member or

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Speaker 1: we elevated to talk to just you. How does this work? Yeah,

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Speaker 1: so it depends on the size of of your of

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Speaker 1: your deal um is right now, we definitely are trying

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Speaker 1: to look for higher level of clients. It's a T

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Speaker 1: and T or Johnson and Jonathan falls. Obviously, I'm going

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Speaker 1: to get on the phoney rash Yeah, I love talking

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Speaker 1: to a go I'm gonna just tell you what you

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Speaker 1: what you had with my time, Rashan Johnson and call

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Speaker 1: no no, Rashan McDonald coole, Uh, put him on hold,

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Speaker 1: tell him I love him, but we'll be right back

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Speaker 1: with him. Okay, with a T n T. Come on,

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Speaker 1: let's talk now, because that's really that's really what it's

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Speaker 1: all about. But but because you've discovered something and I

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Speaker 1: don't want to, I don't want to blow past this

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Speaker 1: whole concept of of what you guys created, you know,

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Speaker 1: with this algorithm, I'm assuming that it was a team

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Speaker 1: of you or what's it you and a friend or

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Speaker 1: how did that whole concept come about? Because when I

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Speaker 1: when I sit down and I and I and I

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Speaker 1: think about those things because with my mathematic background, there's

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Speaker 1: a certain logic that comes to comes to about the

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Speaker 1: way I think. How does one go about what your

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Speaker 1: team or uh or you felt it. There's no different

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Speaker 1: Steve Jobs sitting down or Bill Gates and down. There's

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Speaker 1: are visionary people. I have to say, you're a visionary

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Speaker 1: person because you come up with something that even Google

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Speaker 1: has called about. So how does that start? Angel? Okay,

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Speaker 1: so I'll answer that question in reverse. Um, do you

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Speaker 1: have three pieces of intellectual property sort of wrapped into

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Speaker 1: the game? Okay? Um, the first piece is the user

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Speaker 1: acquisition algorithms which speak to your UM. I did that

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Speaker 1: solely by myself, and I've never showed it to a

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Speaker 1: never so even my co founder has never seen it.

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Speaker 1: Like the McDonald's secret sauce. Right exactly, it's like the

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Speaker 1: Coca cola recipe. That's that's it, unless somebody want to

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Speaker 1: come along and bout Coca cola. Right now, you're not

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Speaker 1: seeing the algorithm, now you go, girl, exactly. Uh, we

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Speaker 1: have an algorithm that actually helps people to systematically pay

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Speaker 1: off their debt and raise their credit score. Um, We're

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Speaker 1: gonna release that in the next version of the game,

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Speaker 1: where we're gonna be rounding up people change to pay

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Speaker 1: off their debt. Uh that with that on their credit

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Speaker 1: report and systematically increase their credit score. Now that's that's

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Speaker 1: something that's coming out now, right, Yeah, that's something that's

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Speaker 1: coming out next. And then start well, but let's let's

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Speaker 1: stop right there. Let's stop right there, Diet. This is

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Speaker 1: about this, this credit score, because that's really big, because

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Speaker 1: I want to get to the other thing that credit

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Speaker 1: scores was stopped so many people for some reason. Like

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Speaker 1: even when I came out of high school many years ago,

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Speaker 1: I always knew I needed to maintain my credit. They

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Speaker 1: weren't even talking about scores back then. It was just

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Speaker 1: like I gotta have good credit, build your credit, get

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Speaker 1: one credit card, then you go. Sears was like better

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Speaker 1: than American Express when I was young, and then you

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Speaker 1: get you know something I had. The Montgomery Awards were

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Speaker 1: just closed now, so I was just building my credit.

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Speaker 1: I went to got my Sears and then I got

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Speaker 1: my Mortgommery ward card, and then I got my j

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Speaker 1: C Penning card. Then I got my first Shell gas car,

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Speaker 1: got my Shell gas card. You know that that was

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Speaker 1: hard cars to get back in the day, you know,

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Speaker 1: and and and so and so and so and so.

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Speaker 1: Then I finally got my American Expreence Green card, you know.

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Speaker 1: And then I was set. And then my sister, My

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Speaker 1: sister came to me and said, look, I want to

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Speaker 1: borrow your card to go buy uh some Christmas present.

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Speaker 1: I said, okay, how much you're gonna spend two hundred

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Speaker 1: and fifty dollars. We're about to go to the break.

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Speaker 1: I want to the story, and so so Mcgoverny ward.

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Speaker 1: I went to Montgomery Awards. This is mcgomery Wards. Its

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Speaker 1: closed now, okay. I went to Mortgovery Wards because I

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Speaker 1: wanted to buy me a VCR back then VCRs with

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Speaker 1: eight hundred dollars. Okay, they were eight harnds. She's laughing,

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Speaker 1: she's laughing at me. And so I go on there,

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Speaker 1: I got, I got, I got the credit you know.

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Speaker 1: And then and then then they said, I put my

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Speaker 1: mortgovery Walk card down. She says, excuse me, said, uh,

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Speaker 1: you you exceed your limits? Like, huh exceed my limit?

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Speaker 1: I said, I said, excuse me, I got heard of

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Speaker 1: all the credit line now, you know, not all my

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Speaker 1: credit cards are unlimited now, so that's way back there.

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Speaker 1: And so she said, no, uh no, somebody's coming here

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Speaker 1: and boat like two thousand merchandises. And I went, uh really,

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Speaker 1: and this is so we can't even do you and

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Speaker 1: that I'm a finishing story in our next break. But

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Speaker 1: Angel hanging out, I'm just telling you I am a

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Speaker 1: victim of a person who should have had that game

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Speaker 1: and I should have been passing out to my relatives

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Speaker 1: back into this so they can understand the value of

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Speaker 1: good credit. We'll be back with more of my friend.

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Speaker 1: She's my friend. She's in Washton in d C. Angel Rich,

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Speaker 1: I just Reashan McDonald's. You know, I've been reciting my

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Speaker 1: my credit story. How my first bumping my credit and

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Speaker 1: I'm on the phone is very talented. Uh proud, HBC,

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Speaker 1: you grab Angel Rich. She's she's been a credit with

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Speaker 1: the title of a wealth Pioneer. She's the founder of

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Speaker 1: the Wealth Factory. Angel is still there, Yes, of course. Okay,

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Speaker 1: so let me just wrap up the story real quick

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Speaker 1: because I want to get to the more important things

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Speaker 1: about how person like me fixes problems. Even though they're

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Speaker 1: way back then, they actually happened in the day, especially

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Speaker 1: with student loans and all these things where people just

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Speaker 1: try to walk away and think that they could really

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Speaker 1: live a life with a bad line of credit and

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Speaker 1: poor credit scores. And so so I go home and

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Speaker 1: my sister she's in bed right, and so um she's sleeping,

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Speaker 1: and I go, I woke, I wake up, I said,

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Speaker 1: I said, I said, such as such, I can't telling

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Speaker 1: that she's she killed me because I got six sisters,

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Speaker 1: so you know they all so they they'd be fun

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Speaker 1: to figure out who I'm talking about. But the family,

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Speaker 1: as I said, I said, what what did you do?

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Speaker 1: You told me you're only gonna spend two fifty and

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Speaker 1: she went She looked me square and asked her, boy,

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Speaker 1: you got money, right, I said, huh, And then I said, no,

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Speaker 1: you can't do me like that. The next word on

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Speaker 1: math was Mama, Mama, come on, call Mama on me,

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Speaker 1: Call Mama on me. So I walked. I walked out

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Speaker 1: of there in debt because I was like I had to.

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Speaker 1: I had to pay that off. I was not gonna

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Speaker 1: walk away from that debt, and I had to pay

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Speaker 1: it off. And so the lesson learned is that you

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Speaker 1: have to protect your credit. Just like she was talking

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Speaker 1: about Hey, don't nobody know about this algorithm but me.

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Speaker 1: You don't trust anybody with your valuables or anything, because

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Speaker 1: that doesn't mean that they're gonna respond the same way

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Speaker 1: if a mistake happens in your life. So, with that

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Speaker 1: being said, how does a person like me, I boarded

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Speaker 1: it because I paid it off. You got these low

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Speaker 1: credit scores, and and you don't know why you got

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Speaker 1: the credit score. Now you have this algorithm. Why was

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Speaker 1: this so important in your line of thought process? I

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Speaker 1: just told you my personal story that you people need

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Speaker 1: this service of fixing their credit scores and paying off

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Speaker 1: their debt. Well, I think you dred was cute? Hey, No, no,

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Speaker 1: you you laughed. No, you laughed at my eight hundred

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Speaker 1: dollar VC. Yeah, that was that was That's wild. That's wold.

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Speaker 1: Guess that's like Blu Ray back in the day. You know.

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Speaker 1: So I understand, um, but I actually had a family

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Speaker 1: member leave me a hundred and eighty thousand dollars in

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Speaker 1: that and so um, I didn't get the chance to

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Speaker 1: participate in any of that money. And I would say

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Speaker 1: about eighty of it was for my college education because

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Speaker 1: I was told that it was. Hey, but it wasn't

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Speaker 1: so about eighty thousand was for college and a hundred

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Speaker 1: thousands random household experiences and random things. And so I

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Speaker 1: graduated that two years old with a hundred and eighty

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Speaker 1: thousand dollars worth of debt. And when I sat back

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Speaker 1: and I calculated how long it would take me to

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Speaker 1: pay this debt off, I would have been fifty five

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Speaker 1: years old. And so I had to figure out. I

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Speaker 1: had to figure out how to reverse engineering the credit

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Speaker 1: reporting system. I had to figure out an algorithm for

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Speaker 1: effectively paying off my debt to be able to raise

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Speaker 1: my credit call. All the different components that you've seen

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Speaker 1: in the game, I had to figure them out for myself. UM,

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Speaker 1: the different connections, UM, the letters, uh, dis using inquiries, UM,

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Speaker 1: all of these very different things. Even being able to

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Speaker 1: master the seven year period and so a lot of

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Speaker 1: people don't realize it's a different um that falls off

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Speaker 1: by different time periods per different states. Some states a

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Speaker 1: fall off and fibers six years. But you got to

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Speaker 1: know your regulation of your state, right and so, uh

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Speaker 1: so that's kind of what led me to this direction.

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Speaker 1: Wants to ork on this, yeah, this entire credit issue,

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Speaker 1: because I want to help avoid UH students and other

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Speaker 1: people from from going through this. And that's why the

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Speaker 1: next phase of the project focuses on rounding up people

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Speaker 1: change to be able to help them pay off their debt. Now,

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Speaker 1: I will just tell you this, Angel, I didn't know

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Speaker 1: about your debt. I didn't know about that. I know

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Speaker 1: my little two and three dollars was really like pennies

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Speaker 1: in comparison. So I don't want to offend you because

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Speaker 1: there was in nobodio or nowhere. I was just one

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Speaker 1: of my stories. I wanted to tell it because my stories.

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Speaker 1: But it's still it's deep though, to each your own.

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Speaker 1: That's that's still definitely deep. But trust me, brother, you

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Speaker 1: don't want that one a d over your head. I

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Speaker 1: love it right right right right and and it's building up.

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Speaker 1: It's it's really and it tells me you're a very

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Speaker 1: confident person because of the fact that you know that

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Speaker 1: was a that's a that's a very minus monstrous number

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Speaker 1: to throw out there, and then you took it upon

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Speaker 1: yourself to be responsible for dealing with it. Because it's amazing.

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Speaker 1: I'm just telling everybody when you used to we're here,

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Speaker 1: the word co signing or the hook up or I

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Speaker 1: take care of you later. I don't care if you're

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Speaker 1: loan your family members money. Get a contract, because that's

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Speaker 1: how banks do business. That's how I do it. I

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Speaker 1: tell my relatives now, I say, you wanna borrow money

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Speaker 1: from me. Okay, here's a piece of paper, here's some information.

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Speaker 1: I get a lawyer to draw it up and go,

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Speaker 1: we're signed it right here. Now. If they don't want

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Speaker 1: to do business like that, then they never intended to

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Speaker 1: pay you back, friends, family, or whoever. And so what

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Speaker 1: you have to learn in business, what I've learned in

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Speaker 1: my life is that money, it's important to everybody. It

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00:16:56,040 --> 00:17:00,120
Speaker 1: should be most important to the person who's distributing it. Now,

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Speaker 1: if somebody's coming to you asking you for your money,

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Speaker 1: whether there's any fashion that you may not believe it's

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Speaker 1: going to return back to you in the time you

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Speaker 1: want it, get in it right, get it right. And

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Speaker 1: I think that's that's that's one of the bigger things

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Speaker 1: that you have to really promote out the correct angel

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Speaker 1: getting things right. You're you're absolutely right. And I don't

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Speaker 1: want to say too much because people try to listen

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Speaker 1: to me and then't revent things. Thinking I'm thinking of

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Speaker 1: of of an app that actually will help solve that

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Speaker 1: once we are released, the release the next version. There

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Speaker 1: there should be something um that helps solve that, please do,

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Speaker 1: because they need to be like a quick quick agreement app. Okay,

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Speaker 1: you want me to loan your money, press this right here,

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Speaker 1: just like try to signature were good because it's going

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Speaker 1: on too much out there, you know, because it's not.

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Speaker 1: This is like you know, this is like a much

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Speaker 1: more localized form of go fund it. Go fund me

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Speaker 1: is much more sophisticated over there, you know now of you.

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Speaker 1: I've loaned somebody three thousand dollars recently, and I put

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Speaker 1: I put in the play pile, do that by such

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Speaker 1: and such date. I even gave him a grace period,

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Speaker 1: and I was like, it's just not paid by um

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Speaker 1: body's grace spirit. Then I get to revolt the money.

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Speaker 1: But there's technically nothing that actually allows me to revoke

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Speaker 1: the money back. And and there there should be something

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Speaker 1: like that that's already in existence. It really should and

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Speaker 1: this should be also allowed you to be able to

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Speaker 1: affect on you. Hold it here first on this podcast.

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Speaker 1: If you see this money made Conversations Men, Angel, you

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Speaker 1: know your listeners about listening. Yeah, you know, I love

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00:18:35,240 --> 00:18:37,159
Speaker 1: talking to you because you almost like a music producer,

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00:18:37,200 --> 00:18:39,160
Speaker 1: because the music producer would say that, hey, hey, then

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Speaker 1: my beats I owned it, and so she's said, like

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Speaker 1: I own an intellectual thought. I put it out on

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Speaker 1: Money Made Conversation podcast first. Okay, now that's that's my thought. Now, Okay,

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Speaker 1: don't nobody want run abound because because people do that.

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Speaker 1: I remember when I was managing Steve Harvey and he

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Speaker 1: mentioned Steve Harvey Nation on on the air, and I'll

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Speaker 1: tell you before we finished that for all broadcast somebody

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00:19:01,720 --> 00:19:04,960
Speaker 1: that all wanted and when Steve Harvey Nation dot com. Yeah,

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Speaker 1: I'm telling you, it happens to me all the time.

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Speaker 1: And at first I thought that I was crazy, and

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Speaker 1: then my far disteesting this wild stuff, like this wild

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00:19:12,840 --> 00:19:15,480
Speaker 1: stuff like I came up with leg Day. I said

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Speaker 1: to my team, I said, watch this, I'm gonna start

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Speaker 1: saying leg Day, mass tag leg Day. I guarantee you

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Speaker 1: within too much on catch on And it did. Like,

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Speaker 1: but that's a beautiful thing because side But you know, Angel,

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00:19:30,240 --> 00:19:32,199
Speaker 1: that's good because that means you have a brand that

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Speaker 1: people listen to. That's good and bad, you know, because

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Speaker 1: They also let you know that you know what you are.

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Speaker 1: You are a lane of information, a brand, and that

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Speaker 1: that when when they're no different than Apple or no

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Speaker 1: different than you know, you have your research and development.

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Speaker 1: That's why people are really tight on that type of

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Speaker 1: information because they know it just can't walk out the door.

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Speaker 1: You know, they cannot just be spoken casually at a

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Speaker 1: restaurant because people ere hustle and one of the said,

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Speaker 1: angel over there, okay, what you're talking about? They sitting

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Speaker 1: next to year at Denny's, you know, listening at the

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00:20:02,320 --> 00:20:04,800
Speaker 1: booth behind you, you having the conversation. So so it's

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Speaker 1: really important that you protect your brand and deal with it.

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Speaker 1: With that being said, what is the future of finance?

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Speaker 1: Because we were joking around about different things and about you.

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Speaker 1: They're not joking about your games because they're important to you.

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00:20:15,600 --> 00:20:17,480
Speaker 1: And you just breakdown. But here the fourth leg that

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Speaker 1: you wanted to talk about because I stopped the score?

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Speaker 1: Can you can you expound on that before we wrap

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Speaker 1: everything up? Well, first of all, you know a theory

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Speaker 1: that I've been toying with and I started to write

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Speaker 1: a paper on this this last night. I think we

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Speaker 1: need to stop calling it the future of farming the

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Speaker 1: present day of money, because I think with us keep

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Speaker 1: referring to the future of farming. People keep waiting for

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Speaker 1: something to happen in the future, and they're not thinking

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Speaker 1: about the present day economy and the present day innovations

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Speaker 1: that are happening right now before them. In terms of

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Speaker 1: mobile banking, investment options. You got robbin hood, you got acorns,

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00:20:58,760 --> 00:21:02,480
Speaker 1: you've got different rights to shurance policies, You've got highest

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00:21:02,560 --> 00:21:06,160
Speaker 1: daily um annuity policies out here. So there's so many

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00:21:06,200 --> 00:21:10,040
Speaker 1: things that's happening right now, right now, and the receptive

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00:21:10,240 --> 00:21:13,440
Speaker 1: is coming in the next two years. So I would

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Speaker 1: hate for people to keep thinking about the future of

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00:21:16,680 --> 00:21:20,240
Speaker 1: furmance and then next thing you know, they've they've they've

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00:21:20,240 --> 00:21:23,840
Speaker 1: held on to the eight hundred credit scores and they

394
00:21:23,880 --> 00:21:26,760
Speaker 1: haven't purchased the different properties that they needed to or

395
00:21:26,800 --> 00:21:29,600
Speaker 1: they had to accept their forum on k up um

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Speaker 1: officially to be for this recession that's about to hit.

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Speaker 1: So I really think that almost kind of like, you

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Speaker 1: know what, what was the show called um the Few

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00:21:41,320 --> 00:21:49,560
Speaker 1: Touristics show with the robot and um Ah jetsons, So

400
00:21:50,160 --> 00:21:52,399
Speaker 1: back you went older than me. I can't believe you

401
00:21:52,600 --> 00:21:55,080
Speaker 1: I guess I'm throwing out Montgomery Wards and says, you're

402
00:21:55,119 --> 00:21:57,399
Speaker 1: just gonna go back to Jetsons now, you know, you

403
00:21:57,440 --> 00:22:01,720
Speaker 1: need to stop age. I'm so tired of you. You know,

404
00:22:01,880 --> 00:22:04,320
Speaker 1: back in the day that cartoon was supposed to be

405
00:22:04,359 --> 00:22:08,000
Speaker 1: the future of technology in the world. Everything that existed

406
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Speaker 1: in the Jackson's is here. All this stuff about the

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00:22:11,240 --> 00:22:14,760
Speaker 1: future of finance is here. So I think that we

408
00:22:14,920 --> 00:22:18,600
Speaker 1: need to pause and actually recognize that. Um But yes,

409
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Speaker 1: I believe that. I believe the future is here where

410
00:22:21,840 --> 00:22:25,800
Speaker 1: things are going. I think they're preparing us not to

411
00:22:25,840 --> 00:22:27,960
Speaker 1: get too deep, but I think they're preparing us for

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Speaker 1: another recession the same way the last recession happened. All

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Speaker 1: of a sudden, more housing became available, more credit became available,

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Speaker 1: interest rates were stable, all the same, the same temperature

415
00:22:39,760 --> 00:22:43,200
Speaker 1: of the market, the same pH balance of the economic

416
00:22:43,320 --> 00:22:46,159
Speaker 1: climates is the same. That's happening white now. So I

417
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Speaker 1: would say that there's a recession coming in the next

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Speaker 1: two years and we need to be prepared for it.

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Speaker 1: And I agree with you. You know, different ways I

420
00:22:53,680 --> 00:22:58,160
Speaker 1: approach money is you know, finding fixed rates and insurance policies,

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00:22:58,200 --> 00:23:01,280
Speaker 1: different ways you can protect yourself and but like I

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00:23:01,320 --> 00:23:03,840
Speaker 1: said again, you know when you listen to somebody talking

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Speaker 1: about finance, you have to be careful you talk because

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00:23:05,840 --> 00:23:08,919
Speaker 1: people hold you accountable saying you were you recommended on

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00:23:08,960 --> 00:23:10,840
Speaker 1: your show with show and that's why I vested in this,

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00:23:11,480 --> 00:23:14,720
Speaker 1: or they take their advice and manipulate it. But more importantly,

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Speaker 1: how can individuals reach out to your company? I know

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00:23:17,840 --> 00:23:22,520
Speaker 1: we're uh for advice for for for business consulting, Please

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00:23:22,680 --> 00:23:26,080
Speaker 1: tell us right down, Angel. Yeah, so, first of all,

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00:23:26,240 --> 00:23:29,040
Speaker 1: you can email us at info at get Walpi life

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00:23:29,080 --> 00:23:33,960
Speaker 1: dot com. We can help directly with your financial situation

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00:23:34,520 --> 00:23:37,520
Speaker 1: as well as for your company or school needs. UM.

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00:23:37,520 --> 00:23:40,800
Speaker 1: We really kind of see ourselves as consultants as helping

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00:23:40,880 --> 00:23:45,280
Speaker 1: with financial literacy on the individual or enterprise level. UM.

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00:23:45,280 --> 00:23:47,960
Speaker 1: We can also do it with your data analystics as well,

436
00:23:48,080 --> 00:23:51,880
Speaker 1: because as we mentioned, we have to use the opposition algorithms,

437
00:23:51,880 --> 00:23:55,000
Speaker 1: so we're trying to help you save and make money

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00:23:55,080 --> 00:23:58,639
Speaker 1: at the wealth Factory. UM. Additionally, we have a book

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00:23:59,119 --> 00:24:01,720
Speaker 1: called History of the Block Dollars if you want to

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00:24:01,800 --> 00:24:04,760
Speaker 1: kind of dive into the history of money, UM a

441
00:24:04,760 --> 00:24:08,080
Speaker 1: little bit further. Uh, that's something that you can check

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00:24:08,080 --> 00:24:12,359
Speaker 1: out on Amazon dot com and then um, and about

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00:24:12,359 --> 00:24:15,320
Speaker 1: another month or so, we're gonna actually finally release the

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00:24:15,400 --> 00:24:19,480
Speaker 1: Wealthy Life textbook we hadn't drafted and we're going to

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00:24:19,520 --> 00:24:23,479
Speaker 1: begin disseminating that out for individual purchase as well as

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00:24:23,520 --> 00:24:26,639
Speaker 1: schools for ars. Can you come back on the show,

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00:24:26,760 --> 00:24:28,280
Speaker 1: and when he comes out, so we talk about the

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00:24:28,280 --> 00:24:32,080
Speaker 1: Angel We definitely, we definitely can. Um. Yeah, I'm gonna

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00:24:32,119 --> 00:24:34,000
Speaker 1: release that room in the next couple of weeks. That

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00:24:34,040 --> 00:24:36,560
Speaker 1: would be out before Black Friday. Okay, cool, Oh you're

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00:24:36,560 --> 00:24:39,240
Speaker 1: strong and I appreciate your respect you And then guess

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00:24:39,280 --> 00:24:42,080
Speaker 1: what coming back on my show, Angel Rich She's she's

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00:24:42,080 --> 00:24:45,440
Speaker 1: a beast. She said, the money is now, spend it now,

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00:24:45,600 --> 00:24:47,520
Speaker 1: think about it now, not the future.