Speaker 1: Malik Books has all the knowledge you wantlie but has
Speaker 1: all the knowledge you need. Mali bus Yeah, they have
Speaker 1: all the books that the whole wild world want to read.
Speaker 1: Malik buks. Welcome, Welcome, Welcome to Malik's Book Show, bringing
Speaker 1: a world together with books, culture and community. Hi, my
Speaker 1: name is Malik, your host of Malik's Bookshelf. Well, we're
Speaker 1: gonna have a robust conversation about money, property and buying
Speaker 1: back the block. Buy back the block. Last week I
Speaker 1: talked about I think we're in the recession and I
Speaker 1: think all the indicators point in that direction. Well, in
Speaker 1: our community, we need to buy back the block, and
Speaker 1: we can do that. We gotta come together, though, we
Speaker 1: gotta pull money together, and we gotta buy one block
Speaker 1: at a time. So I'm gonna be interviewing um people
Speaker 1: whom invest in property, flip property, and I'm also gonna
Speaker 1: be talking about books that are good reads to help
Speaker 1: you invest in property, flip property, and understand money as well.
Speaker 1: So this episode is dedicated towards my audience understanding what
Speaker 1: you can do now in order to bring financial freedom
Speaker 1: in a recession. To bring financial freedom in this current
Speaker 1: time means that you don't have to take a few risks.
Speaker 1: You're gonna have to read some books. You're gonna have
Speaker 1: to learn why you make some mistakes. Experience is the
Speaker 1: best teacher. Hey, all businesses are able to grow and
Speaker 1: thrive and be success usful because they learn while they're growing,
Speaker 1: and they make mistakes and they learn from them. There's
Speaker 1: no different but be getting good with your money and
Speaker 1: make sound investments at home is typically the biggest investment
Speaker 1: and the beginning of generation of wealth in most people cases.
Speaker 1: Most people passed on their investments where their properties. That's
Speaker 1: how they became financially independent and wealthy over the period
Speaker 1: of time is because they brought They brought property, and
Speaker 1: they leverage that property to get more property and land,
Speaker 1: and then they're able to int make investments and pass
Speaker 1: on to the next generation their wealth. I truly believe
Speaker 1: that the American dream and all those people who come
Speaker 1: to America that are seeking that American dream is economic
Speaker 1: and financial freedom. And I think that that's the answer
Speaker 1: too of the problems the plague Black America. And I
Speaker 1: think more emphasis has to be on business investments, management,
Speaker 1: economic and financial independence. I think too much time, energy,
Speaker 1: money is spent on us focusing on the wrong things.
Speaker 1: I think that we should spend the majority of our
Speaker 1: time focusing on economic development and financial literacy. It appears
Speaker 1: that most Black people are galvanized every four years to
Speaker 1: focus on elections and political campaigns. This is not going
Speaker 1: to lead to financial liberation and freedom economically, it's just
Speaker 1: not We've been focusing on since nineteen sixties the right
Speaker 1: to vote, and we have that vote today. We have
Speaker 1: that right to vote today. But have we developed as
Speaker 1: Black America the financial and independence that we desire. Yet
Speaker 1: We've spent over fifty sixty seventy years focusing on the
Speaker 1: right to vote and have more politicians than any other
Speaker 1: group ethnicity group in America other than white, and still
Speaker 1: don't have the economic development and wealth in the Black community.
Speaker 1: This is because we spend too much time focusing on politics.
Speaker 1: Politics is not gonna change teenage pregnancy. It's not gonna
Speaker 1: change all the fast food that on every corner in
Speaker 1: the Black community, just leading to hypertension and diabetes and
Speaker 1: high cholesterol is the politics is not going to change
Speaker 1: their illiteracy. Break Politics is not going to change their joblessness.
Speaker 1: It's not going to change the reality that we are
Speaker 1: seeking in the Black America. We need to focus on
Speaker 1: economic change. We need to spend more emphasis on financial literacy,
Speaker 1: teaching our young and our children about the value of
Speaker 1: money and how to invest money. We need to focus
Speaker 1: on buying instead of renting. We need to focus on
Speaker 1: owning a home to the owner of a car or
Speaker 1: should I say, you know, renting a car, because some
Speaker 1: of us like the least that's just the height, you know,
Speaker 1: a fancy word to say. I'm written, Yeah, you get
Speaker 1: right off, Yeah, you get tax benefits. At the end
Speaker 1: of the day, you're just written. They just call it
Speaker 1: the least. Um. We need we need to pull this
Speaker 1: money together financially, intellectually. We need to focus on change
Speaker 1: that's gonna lead to everlasting change. Politics is not gonna
Speaker 1: do it. We go out here for and I'm not
Speaker 1: saying it don't have no power. I'm not saying it
Speaker 1: don't have no marriage. I'm not knocking it. What I'm
Speaker 1: knocking is that we don't spend enough time focusing on
Speaker 1: economic development and financial literacy. What I'm knocking is that
Speaker 1: we don't focus on the things that's gonna bring about
Speaker 1: real change, not change every two years, four years, eight years,
Speaker 1: no last can change, all right, It's because you build
Speaker 1: a foundation. There are institutions in America have been around
Speaker 1: for hunters and hunters year why because they build a foundation,
Speaker 1: they passed on generational wealth. We have to think different
Speaker 1: than we have been thinking, and we need to start
Speaker 1: with focusing on economic development and change. So this episode
Speaker 1: is devoted and dedicated just just some tips for the audience.
Speaker 1: Things you can do, books, you can read, people that
Speaker 1: out here to devote their whole life to elevate the
Speaker 1: people through financial literacy and economic development. So enjoy this episode.
Speaker 1: It's just my tips that try to make a difference
Speaker 1: and to change in our community. This is unusual. I
Speaker 1: think you the first the first podcast hosts that I've interviewed,
Speaker 1: and I've interviewed. I'm on my thirty fourth episode and
Speaker 1: I have a friend, a childhood friend, high school friend,
Speaker 1: came out to California. I said, I got to interview him.
Speaker 1: His name is Al Blocker, and he's sitting beside me
Speaker 1: right now. We're gonna interview him on the leaf bookshelf.
Speaker 1: He has a podcast called Rip and Flip and he's
Speaker 1: on I guess about maybe ten episodes and he talks
Speaker 1: about investment, buying real estate, investing in real estate, rehabing
Speaker 1: real estate, and he's an expert. And one more thing
Speaker 1: about our blocker is that he works in the corporate
Speaker 1: jog in the tech world, and he took a leap
Speaker 1: of faith to part time to get involved in fiction
Speaker 1: and flipping properties and now he's an expert and that's
Speaker 1: what he talks about on his podcast. But for all
Speaker 1: of you out there, who was who fears starting a
Speaker 1: new adventure in a new career and he still works,
Speaker 1: he still got his ninety five corporate job, but he's
Speaker 1: working as an investor, real estate investor on the side.
Speaker 1: So I got the pleasure now to interview the podcast
Speaker 1: host out Blocker and his podcast is called Rip and Flip.
Speaker 1: How are you doing today? I'm doing great, Malak, and
Speaker 1: I really do appreciate you have me on your podcast
Speaker 1: here and it's uh, it's always great to be able
Speaker 1: to reconnect with you and fellowship out here in lovely
Speaker 1: Los Angeles, California. So again, thanks for having me on
Speaker 1: the show. Absolutely, you gotta tell us, man, what motivated
Speaker 1: you to create your podcast and what motivated you to
Speaker 1: get into the industry of real estate investing. That's a
Speaker 1: great question. So a couple of things motivated me, and
Speaker 1: I'll start with UH, as you and I had a conversations, uh,
Speaker 1: probably a couple of weeks ago. You know, years ago.
Speaker 1: I was looking for a means to generate additional income
Speaker 1: bill wealth, like so many people want to do. And
Speaker 1: I read a number of different publications, books, articles on
Speaker 1: investing in real estate. So it's interesting to just and
Speaker 1: I talked about this on my podcast. I got into
Speaker 1: uh flipping homes as a result of watching h G TV,
Speaker 1: believe it or not. So I started watching h g
Speaker 1: TV and thought to myself, you know, this is something
Speaker 1: I want to try myself. So with my wife's approval,
Speaker 1: I went at it right, and I was, as you mentioned,
Speaker 1: I was working a full time job. So uh, for
Speaker 1: the record, you know, I am double dipping. I've been
Speaker 1: been doing the hit, right, I've been doing the corporate
Speaker 1: thing for a while, and I work for big companies
Speaker 1: like Microsoft, Oracle and IBM. But I really wanted to
Speaker 1: you know, I talked about this in my podcast. You know,
Speaker 1: I never wanted to be defined by my job. I
Speaker 1: needed another outlet, right, my I've always said that my
Speaker 1: job is only one third of who I am. I've
Speaker 1: got so much to offer myself and to others around
Speaker 1: me from a coaching and mentoring. So anyway, all that
Speaker 1: to say, I took that quantum leap dip. My first
Speaker 1: flip was very very successful with that, and uh, I'll
Speaker 1: share that I was able to walk away with the profit.
Speaker 1: I did it within three months. Yeah, thank you. Within
Speaker 1: three months, I was on time, on budget, made sixty
Speaker 1: seven thousand, and guess what I did. I said, Okay,
Speaker 1: that was a success, so why don't I do it again?
Speaker 1: So it became a repeatable solution for me, and I
Speaker 1: talked about all this on my podcast. You know, I've
Speaker 1: done a multitude of flips in fact, in fact, just
Speaker 1: bought another property here recently. So that's really how I
Speaker 1: got into it. And I encourage anyone that is that
Speaker 1: that are entertaining the thought, given serious thought to you know,
Speaker 1: trying something outside of what you do on a regular
Speaker 1: basis that's your corporate job. Take that quantum leap. I
Speaker 1: mean you gotta start somewhere. Well, you know, real estate
Speaker 1: is the biggest investment that most people make. They the
Speaker 1: biggest investment. Did um, you know, buying a home and
Speaker 1: I personally it was a mortgage consulator straight out of college.
Speaker 1: I personally have for spent about ten years helping people
Speaker 1: realize their dream and I placed hundreds and hundreds of
Speaker 1: people in homes in California. So I have a real
Speaker 1: estate breakground. So I know some of the lingo that
Speaker 1: you talked. I also did some real estate investing and
Speaker 1: fixing and flipping and myself over the years now in
Speaker 1: full time. You know, book activist from Meleak Books, and
Speaker 1: I used my podcast Meleek's Bookshelf bringing the World together
Speaker 1: with Books, culture and Community to bring people like you
Speaker 1: on my podcast to get this type of information because books,
Speaker 1: culture and community. Now, you said earlier to me that
Speaker 1: you've read a lot of books on real estate and
Speaker 1: before you got into the real estate. So can you
Speaker 1: share some of those book Yeah? So, uh it's but
Speaker 1: too many to really share. But I think what's but
Speaker 1: what's important is this, I would encourage as I always do. Uh,
Speaker 1: I encourage people if you're going to whatever your pursuit,
Speaker 1: your passion, the journey you're gonna take as an entrepreneur
Speaker 1: outside of what you do, uh that being your full
Speaker 1: time job, you need to become a student of that industry.
Speaker 1: And what I mean by that is you need to
Speaker 1: listen to podcast you need to read journals, you need
Speaker 1: to read books, you need to know what the trends
Speaker 1: are within that industry. So again, I've read a host
Speaker 1: of different U books and so you'll get a chuck
Speaker 1: a lot of this. So I remember reading the book
Speaker 1: that Donald Trump had published. Believe it or not, I'm not.
Speaker 1: I'm not endorseding Donald Trump in any way, shape or
Speaker 1: for him, but I think that for any art of
Speaker 1: the deal, it was the ut of the Deal number one. Yeah,
Speaker 1: So the art of the Deal. So I think that
Speaker 1: there's something that you can learn from anybody, particularly those
Speaker 1: that have proven themselves to make money in that industry.
Speaker 1: And at the and at the end of the day,
Speaker 1: you know whether you or your pursuit is flipping homes
Speaker 1: whole sealing homes. At the end, the commonality that we
Speaker 1: all share is that people are looking to turn a profit. So, yeah,
Speaker 1: I did read Donald Trump's book, The Art of the Deal,
Speaker 1: and I was able to actually pick up a few
Speaker 1: things that I was able to apply in my repertoire.
Speaker 1: One of our most popular books we sell at the
Speaker 1: Malik books. Is rich Dad, poor Dad read that? And um,
Speaker 1: that's that's you know, they've sold millions and millions and
Speaker 1: millions upon millions of those, Rich Dad, poor Dad. And
Speaker 1: uh but yeah, I think that you know, information and
Speaker 1: knowledge is useful no matter where you get it from.
Speaker 1: You know, take what is valuable and useful and lead
Speaker 1: the rest alone. Um, but I definitely think bring books
Speaker 1: bring opportunities and in I think that, um, you know,
Speaker 1: knowledge is part. I believe books keep on giving. You know,
Speaker 1: you can read them over and over and as you
Speaker 1: expand your mind and your knowledge and you'll understand, the
Speaker 1: book evolves along with you. And how many properties? How
Speaker 1: have you flipped? Right? That's a great question. So, uh,
Speaker 1: you know, I generally gauged that on an annual basis.
Speaker 1: So this year alone, I'm up to eight. Collectively, I've
Speaker 1: done over fifty properties, and that number I anticipate to
Speaker 1: continue to grow. But I want to go back to
Speaker 1: something that you just mentioned, you know, you talked about
Speaker 1: reading books again. I think that everyone needs to develop
Speaker 1: some type of you know, my journey started with a vision,
Speaker 1: right and again, having read many books, many journals, many articles,
Speaker 1: many downloads from the internet about real estate. I really
Speaker 1: did want to become a subject matter expert. And the
Speaker 1: other thing that I would I would encourage people, you know,
Speaker 1: while you're doing your reading, while you're doing your assessments,
Speaker 1: your evaluations, all that kind of stuff. I think it's
Speaker 1: important that you align yourself with a mentor or a coach,
Speaker 1: and that is to avoid some of the common pitfalls
Speaker 1: that people make by trying to do things. We call
Speaker 1: it in the industry. You don't want to be a
Speaker 1: d I Y and a d I Y is a
Speaker 1: do with yourself for so again, there are books out
Speaker 1: there that you can read, there are people that you
Speaker 1: can align yourself with. Just just just be be cognizant
Speaker 1: of that you touched on something very important. Man having
Speaker 1: a sponsor of mentor someone you can go to to
Speaker 1: assist you. We each one teach one. This is the
Speaker 1: one of the most important. Don't try to do this
Speaker 1: all the time on your own. In people that already
Speaker 1: didn't done it may mostates and you'll need to learn
Speaker 1: from people like that. They open themselves up to assist
Speaker 1: paying it forward. Absolutely, it's important to find subject matter experts,
Speaker 1: someone that has failed and got back up and did
Speaker 1: it again and then became successful. You know, sometimes people
Speaker 1: didn't you know, he did under home running business sccess
Speaker 1: right off the back. But that ain't reality for most people,
Speaker 1: you know, that ain't reality. We learned as we're going out,
Speaker 1: how much how much money have you lost in investing
Speaker 1: in properties? And only to get deep into the rehab
Speaker 1: to find out so much other things need to be done. Yes,
Speaker 1: So so that that that that's a great that's a
Speaker 1: great question and a very relevant question too. Um So
Speaker 1: I'm a businessman, you're a businessman. Any person, uh, you know,
Speaker 1: with the aspiration of becoming a business person. You know
Speaker 1: or you shouldn't understand that. Uh, you know, success is
Speaker 1: not built on success. Success is built on shortcomings, failures, losses. Right.
Speaker 1: So to answer your question more specifically, I took a
Speaker 1: huge loss earlier this year. Right, So when you encounter
Speaker 1: these losses, it's you know, you have to have it
Speaker 1: in your DNA. You have to build you know, the
Speaker 1: fabric has to be within you to respond. Right. We
Speaker 1: all are going to experience setbacks, right, shortcomings, But it's
Speaker 1: how you choose to deal with those that determine your
Speaker 1: way ahead. So I'll take them I've taken my share
Speaker 1: of losses, but it's it's it's been nothing so significant
Speaker 1: where it's made me want to quit. It's made me
Speaker 1: want to stop. In fact, for many of us, it
Speaker 1: gives us fuel to you learn from those mistakes to
Speaker 1: make your journey better thereafter. And again, you know, as
Speaker 1: as Malik sort of preface this conversation, I've got my
Speaker 1: own podcast for those that that want to listen and
Speaker 1: get more insights, more guidance, you can find me. Uh
Speaker 1: it's it's an Apple download podcast is Ripped and Flipped
Speaker 1: without blocker or the RiPP and Flip podcast, and you
Speaker 1: can find that on Apple each one to each one. Now,
Speaker 1: my brother i't told you how he can be reached
Speaker 1: and um, he's he's based out of with washing DC,
Speaker 1: Maryland d m V area. Shout out to and where
Speaker 1: else can they find you at? That's a great question.
Speaker 1: So the primary platform is um is my podcast for
Speaker 1: those that want to get educated on the process associated
Speaker 1: with flipping homes. So that's the number one. Secondarily, you
Speaker 1: can find me on Instagram that's Ripping Flip podcast. And
Speaker 1: then I've got an email. People oftentimes reach out to
Speaker 1: me after they hear my podcast with questions, uh, insights,
Speaker 1: or just needed me to confirm things for him. The
Speaker 1: email is ripped and flip. That's and A and d
Speaker 1: rip and flip without blocker at gmail dot com. And
Speaker 1: I am always you know, thrilled, excited and honor to
Speaker 1: help people out in any way that I can. And
Speaker 1: those are the platforms that you can reach me on.
Speaker 1: I appreciate this interview. Thank you. I'm sure my audience
Speaker 1: is going to love because real estate is the biggest
Speaker 1: investment that we can make in our lifetime and you
Speaker 1: have offered a wealth of information and so thank you.
Speaker 1: You're quite welcome. Lee. So one thing I do want
Speaker 1: to mention is this and closing, I know you and
Speaker 1: I've had a number of conversations and I really appreciate
Speaker 1: your friendship, your coaching with me on you know, the
Speaker 1: people often ask me what's the next big venture project,
Speaker 1: and I'm gonna take on and thanks to you, you've encouraged,
Speaker 1: You've been encouraging enough to I'm really giving serious thought
Speaker 1: to writing that book. So so I'll let I'll let
Speaker 1: your list. There's no when the when that book drops,
Speaker 1: and I'll look to uh potentially do a book signing
Speaker 1: at your store. Thank you, Thank you. I appreciate that.
Speaker 1: I hope my orders enjoyed. I know I did, and
Speaker 1: I know they will too. Now, I hope you enjoyed
Speaker 1: that conversation I had with all Blocker. But what I
Speaker 1: wanna do is suggest some books. Now, you know I
Speaker 1: graduated from USC You know I personally was a Morgin assultant,
Speaker 1: and I help people realize the greatest gift and the
Speaker 1: greatest investment that they're gonna make is buying a home.
Speaker 1: Now I need to recommend some book. A series of
Speaker 1: books that I think is just a great overview of
Speaker 1: real estate investing, flipping property, holding property, investing in property
Speaker 1: is the series put out by Gary Keller. Who is he?
Speaker 1: He's only a self made millionaire. He's also one of
Speaker 1: the co founders of Keller William Realty, which is seen
Speaker 1: all over this country. Has thirty years of industry and
Speaker 1: investment experience. He's involved in thousands of transactions. Well, hey,
Speaker 1: I think his books are an excellent series of books
Speaker 1: that can help teach you about the realist, the millionaire
Speaker 1: real estate agent, the million near real estate investor, holding
Speaker 1: property and flipping property. Some of the subject matters can
Speaker 1: be found in these books. Is like development mindset of
Speaker 1: a millionaire investor by companion myths about money and investment
Speaker 1: that holds people back. Identifying great real estate investment opportunities
Speaker 1: based on sound criteria, zero in on key terms of
Speaker 1: a transaction, and achieved the best possible deals. Develop a
Speaker 1: dream team that will help you build your millionaire investment business.
Speaker 1: Also leverage proven models and strategies me and there's used
Speaker 1: to track their own network, understanding their finances, build their network, lead,
Speaker 1: generate and acquire properties. These are subject matters that are
Speaker 1: in these books that will help enrich you. Now these
Speaker 1: books have been sold in the millions, so this these
Speaker 1: are well read, well sought out books. You can find
Speaker 1: the member leagues. But here's the thing. You can read
Speaker 1: all you want, but you got to jump off the cliff.
Speaker 1: You got to be in the game to be part
Speaker 1: of the game. So don't be afraid to fall, to fail,
Speaker 1: but guess what, get back up, staying the game and
Speaker 1: become a million There these books can help you. The
Speaker 1: information in these books is viable, useful, relevant, and on time.
Speaker 1: So that's my book suggestion. Hope you enjoyed it. You've
Speaker 1: heard this saying called the food and his money was
Speaker 1: soon part. Well, this happens all across this country. I
Speaker 1: personally know people, you know, I know Spring Chicken, So
Speaker 1: I've been around for a while, and I know people
Speaker 1: who have come into wealth and yet lost it. You know,
Speaker 1: I meet me personally. I remember my twenties that I started.
Speaker 1: I made some investments in properties, and you know yet
Speaker 1: I wasn't even thirty. I was in my mid twenties,
Speaker 1: and I personally, um made some bad decision where you know,
Speaker 1: it's just another same call uh robing Peter to pay Paul,
Speaker 1: and the lessons that you have to learn. You know,
Speaker 1: I was a risk taker, so I wanted to take
Speaker 1: money out of my properties, invested in some my ideas.
Speaker 1: But if the ideas don't paying, oun't guess what you
Speaker 1: end up losing not only the idea and the businesses
Speaker 1: you're trying to launch, but also the property investing the
Speaker 1: money from when you can't when you don't have the
Speaker 1: money to pay the mortgage. And you know, I was
Speaker 1: a risk taker. You know, I always say nowadays, you know,
Speaker 1: find a way two underwrite whatever business did you want
Speaker 1: to invest in, or whatever goal did you trying to
Speaker 1: achieve financially. If it's your home, think twice before you
Speaker 1: take out a mortgage to take money against your property,
Speaker 1: because if your idea don't paying out, then you might
Speaker 1: find yourself with a short cash flow and end up
Speaker 1: jeopantizing your property. So I learned this firsthand. But what
Speaker 1: I was trying to say, a fool and his money
Speaker 1: was soon part and this is true. And one of
Speaker 1: the things that I think that's very important besides just
Speaker 1: trying to get out here and make money, is know
Speaker 1: how to keep your money. And and one of the
Speaker 1: persons that I think is a leader in this industry
Speaker 1: as a person that also lost their money in the twenties,
Speaker 1: and his name is Dave Ramsey and his book The
Speaker 1: Complete Guy two Money. It's about how to keep your money,
Speaker 1: how to grow your money without losing your money. If
Speaker 1: you want to make your money work for you, you
Speaker 1: have to know how money works. And that's what this
Speaker 1: book is all about. It's about teaching you the principles
Speaker 1: of money, understanding your debts, understanding you know the your
Speaker 1: finances and when you have less money coming in and
Speaker 1: you have more debt, it's crashing. Burn is Rob Peter
Speaker 1: to pay Paul. So Dave Ramsey and I met a
Speaker 1: person who had a relationship and they were engaged, and
Speaker 1: the young lady wanted to focus on the Dave Ramsey
Speaker 1: program because he offers these programs and he he you know,
Speaker 1: if you stick to it, you reach financial freedom. So
Speaker 1: what happened is he didn't want to go along with it,
Speaker 1: and therefore they had a crossroads in their relationships and
Speaker 1: it led to them breaking up all over finances. And
Speaker 1: let me tell you something, Finances the number one reason
Speaker 1: more divorces are taking place. It's over money. It's over finances.
Speaker 1: So this book Dave Ramsey put out, The Complete Guide
Speaker 1: to Money, is an excellent book. It's a great book
Speaker 1: to teach you how to maintain, how to understand money.
Speaker 1: You know, nearly six million people have changed their lives
Speaker 1: through Dave Ramsey's Financial Peace University. Now I'm not suggesting
Speaker 1: you sign up for his university, but I am suggesting
Speaker 1: you go out here and pick up his book, Dave
Speaker 1: Ramsey Complete God to Money. I'm suggesting that you go
Speaker 1: do that. I think there's a lot of things in there.
Speaker 1: And if you feel like you need the university, that
Speaker 1: ain't by all means, but I think that you know
Speaker 1: understanding money and how to keep your money. It's very
Speaker 1: important to learn how to budget, and that's what this
Speaker 1: book kind of teaches you. And it teaches you how
Speaker 1: to be disciplined and how to see you know your
Speaker 1: reality for reality and not a perception, and not to
Speaker 1: gamble with credit cards and not to overextend yourself and
Speaker 1: pay off your debt because the reality is that he's
Speaker 1: gonna talk to you is that debt is is a
Speaker 1: form of slavery in these high interest credit cards. So
Speaker 1: if you want to free yourself and you really want
Speaker 1: financial freedom, then you gotta understand your money and you
Speaker 1: gotta understand and how to make the money work for
Speaker 1: you insteady against you, and how to save your money
Speaker 1: and how not to go on the debt. And that's
Speaker 1: what this book is kind of focusing on, is to
Speaker 1: create a discipline person who understands their money and how
Speaker 1: to keep it and multiplied. And that's a good book
Speaker 1: to pick up. Dave Ramsey, The Complete God to Money.
Speaker 1: If you know maliekue Books got it. Thanks for listening
Speaker 1: to Malik's Bookshelf Where topics on the Shelf our books, culture,
Speaker 1: and community. Be sure to subscribe and leave me a review.
Speaker 1: Check out my Instagram at meliek Books. See you next time,