1 00:00:00,240 --> 00:00:03,520 Speaker 1: Afro Tech is back in Austin, Texas this November is 2 00:00:03,560 --> 00:00:06,160 Speaker 1: the place for all things black, tech and web three. 3 00:00:06,280 --> 00:00:09,360 Speaker 1: The in person afro Tech conference experience is bridging the 4 00:00:09,360 --> 00:00:14,840 Speaker 1: worlds of afro technologists, innovators, investors, corporations, musicians, and everyone 5 00:00:14,880 --> 00:00:17,520 Speaker 1: in between. So pull up, grab your crew, and grab 6 00:00:17,520 --> 00:00:20,360 Speaker 1: your tickets and join this at the largest black professional 7 00:00:20,400 --> 00:00:23,720 Speaker 1: conference of the gear. This experienced the afro Tech Dot 8 00:00:23,720 --> 00:00:26,439 Speaker 1: count to learn more. So as I speak, I am 9 00:00:26,520 --> 00:00:30,960 Speaker 1: in Los Angeles, just wrapping up afro Tech Executive Los 10 00:00:30,960 --> 00:00:35,600 Speaker 1: Angeles two and it's been a full day, a remarkable 11 00:00:35,720 --> 00:00:38,800 Speaker 1: day of just a snippet of what we are really 12 00:00:38,880 --> 00:00:43,400 Speaker 1: gonna experience in Austin this November. So afro Tech Executive, 13 00:00:43,479 --> 00:00:48,720 Speaker 1: it's like this special conference where c suite executives, startup founders, 14 00:00:48,800 --> 00:00:52,199 Speaker 1: venture capitalists and more, just people on the rise in 15 00:00:52,240 --> 00:00:56,520 Speaker 1: their career converge upon the city. We've done this in Miami, 16 00:00:56,560 --> 00:00:59,120 Speaker 1: We've been to d C, We've been to Brooklyn, We've 17 00:00:59,120 --> 00:01:01,920 Speaker 1: been in l A. We've been all over and this 18 00:01:02,040 --> 00:01:04,760 Speaker 1: group of people are really who are behind the scenes 19 00:01:04,800 --> 00:01:08,520 Speaker 1: making these things happen. And so it is a snapshot 20 00:01:08,600 --> 00:01:11,600 Speaker 1: of what you will experience at the Big Afro Tech 21 00:01:11,640 --> 00:01:16,839 Speaker 1: conference in Austin this November. So I am like wiped out. 22 00:01:16,920 --> 00:01:20,399 Speaker 1: I am I've had a remarkable day with my people. 23 00:01:21,200 --> 00:01:25,080 Speaker 1: We had a remarkable comedy show this this evening, and 24 00:01:25,120 --> 00:01:28,760 Speaker 1: so I'm I am over the moon excited about the 25 00:01:28,800 --> 00:01:33,080 Speaker 1: future because I know whose hands is in hey. So 26 00:01:33,240 --> 00:01:35,760 Speaker 1: let's let's take out this flashback of my conversation with 27 00:01:35,840 --> 00:01:42,000 Speaker 1: Ryan Glover, who's co founder at Greenwood Bank Afro Tech World. 28 00:01:43,840 --> 00:01:46,920 Speaker 1: Gilly the King and social media influencer and disruptor wallow 29 00:01:46,959 --> 00:01:49,200 Speaker 1: to six seven are the host of The Million Dollars 30 00:01:49,200 --> 00:01:51,800 Speaker 1: Worth The Gang Show, a weekly podcast which is the 31 00:01:51,800 --> 00:01:56,000 Speaker 1: perfect blend of discussing music, real life issues, personal experiences 32 00:01:56,240 --> 00:02:00,200 Speaker 1: on its advice in comedy, and our interview at Afrock. 33 00:02:00,440 --> 00:02:02,480 Speaker 1: I ask Gilly his thoughts on how we as black 34 00:02:02,520 --> 00:02:06,560 Speaker 1: people in business can stand confident about our value, our perspective, 35 00:02:06,920 --> 00:02:10,400 Speaker 1: our sauce when it's being challenged or not respected at 36 00:02:10,440 --> 00:02:13,520 Speaker 1: a premium. Number One, you gotta believe in what you're doing, 37 00:02:13,680 --> 00:02:15,880 Speaker 1: you know what I'm saying. That's number one. So if 38 00:02:15,919 --> 00:02:18,720 Speaker 1: you if you're being innovative and you being creative, and 39 00:02:19,080 --> 00:02:24,000 Speaker 1: you you know in your mind that this is what 40 00:02:24,040 --> 00:02:26,160 Speaker 1: I feel is gonna be the next ship. You gotta 41 00:02:26,240 --> 00:02:29,680 Speaker 1: roll with that. I would never devalue myself, but but 42 00:02:30,280 --> 00:02:32,960 Speaker 1: nothing you feel what I'm saying. I know what I'm worth, 43 00:02:33,360 --> 00:02:38,240 Speaker 1: even even back when I was doing um record deals. 44 00:02:38,880 --> 00:02:42,320 Speaker 1: You know, I flew down the suave house. You know 45 00:02:42,600 --> 00:02:45,959 Speaker 1: Tony Draper, you know, the really CEO that I ever 46 00:02:46,040 --> 00:02:48,280 Speaker 1: met in my life. Shout out to Tony Draper. But 47 00:02:48,400 --> 00:02:52,840 Speaker 1: he tried to do the ceo wine and die Rapper 48 00:02:52,919 --> 00:02:55,720 Speaker 1: ship to me. We got down there, We well up 49 00:02:55,760 --> 00:02:58,160 Speaker 1: to the gate. I never seen no house like this 50 00:02:58,240 --> 00:03:01,320 Speaker 1: in my life. Gates open up. He got the range 51 00:03:01,480 --> 00:03:06,919 Speaker 1: over a viper with the zipper windows and bad leads, 52 00:03:06,919 --> 00:03:09,400 Speaker 1: all kinds of ship. You know what I mean. I 53 00:03:09,520 --> 00:03:12,360 Speaker 1: go in the drive. We we bust. I'm talking now business. 54 00:03:12,360 --> 00:03:17,280 Speaker 1: I'm down there two old days. I'm meeting superstars. I'm 55 00:03:17,280 --> 00:03:21,799 Speaker 1: playing two and two against Jacket Edge. You. I'm gonnaigga 56 00:03:21,800 --> 00:03:25,280 Speaker 1: straight from Nord Philly. Yeah eyes, why I like this? 57 00:03:26,720 --> 00:03:29,960 Speaker 1: The artist pulling up, his artists pulling up. That's already 58 00:03:30,000 --> 00:03:32,519 Speaker 1: going eight more pull up. He and the big body, 59 00:03:32,760 --> 00:03:36,040 Speaker 1: five hundred fans m j T pull up me in 60 00:03:36,120 --> 00:03:39,520 Speaker 1: the old school. I'm like, God, damn, these niggas doing it. 61 00:03:39,840 --> 00:03:42,240 Speaker 1: Next day, Yes, big ball, pull up here and some 62 00:03:42,240 --> 00:03:45,400 Speaker 1: something different. I'm like, damn, when it was time to 63 00:03:45,440 --> 00:03:48,520 Speaker 1: talk that business, don't want now the value ain't going on. 64 00:03:48,680 --> 00:03:50,960 Speaker 1: This is what I wanted, he said. I ain't never 65 00:03:50,960 --> 00:03:53,080 Speaker 1: gave a deal out that big in my life. I said, well, 66 00:03:53,160 --> 00:03:55,280 Speaker 1: it was nice meeting your drink, but I'm going back 67 00:03:55,320 --> 00:03:58,280 Speaker 1: to silly and he said, uh, you know what. I 68 00:03:58,360 --> 00:04:03,480 Speaker 1: like that. I like that you got that. So it 69 00:04:03,680 --> 00:04:08,160 Speaker 1: was just me believing in myself. You feel what I'm 70 00:04:08,200 --> 00:04:11,560 Speaker 1: saying and believing it because sometimes you get around these 71 00:04:11,640 --> 00:04:14,120 Speaker 1: companies and the motherfuck have been and playing longer than you, 72 00:04:14,560 --> 00:04:19,400 Speaker 1: and they are you doubting yourself. Mhm No, I don't 73 00:04:19,440 --> 00:04:22,960 Speaker 1: think it's supposed to go like that, because uh, then 74 00:04:23,080 --> 00:04:27,000 Speaker 1: you were doing the same ship says eighty one. It's 75 00:04:27,160 --> 00:04:33,400 Speaker 1: Tom I'm with Lucas and this is black tech, Green money. 76 00:04:34,080 --> 00:04:35,920 Speaker 1: I'm gonna enter this. You to some of the biggest names, 77 00:04:36,160 --> 00:04:39,520 Speaker 1: some of the brightest minds and brilliant ideas. If you're 78 00:04:39,560 --> 00:04:42,200 Speaker 1: black and building or simply using tech to secure your bank, 79 00:04:42,680 --> 00:04:50,360 Speaker 1: this podcast is for you. Ryan Glover is co founder 80 00:04:50,400 --> 00:04:53,040 Speaker 1: and chairman at Greenwood Bank, the new digital bank he's 81 00:04:53,080 --> 00:04:56,320 Speaker 1: building with Michael Render, a KA rapper, Killing Mike Ambassador, 82 00:04:56,360 --> 00:05:00,800 Speaker 1: Andrew Young, and serial tech entrepreneur Paul Judge. Greenwoods mission 83 00:05:00,839 --> 00:05:02,800 Speaker 1: is to help Blacks and Latinos take control of the 84 00:05:02,960 --> 00:05:07,440 Speaker 1: financial destiny and build generational wealth. Previous degree with Bank, 85 00:05:07,600 --> 00:05:10,400 Speaker 1: Ryan was in the music business as co founder of Noontime, 86 00:05:10,560 --> 00:05:13,440 Speaker 1: the music publishing and management company which represented people like 87 00:05:13,600 --> 00:05:17,120 Speaker 1: Jazzy Faye, Sierra Grammy, and war When He producer Brian 88 00:05:17,160 --> 00:05:20,520 Speaker 1: Michael Cox and others. He's also founder of bound CV, 89 00:05:20,920 --> 00:05:24,320 Speaker 1: the national cable network, and the Restaurant in Atlanta Agency. 90 00:05:25,120 --> 00:05:27,960 Speaker 1: Ryan got his career jump started at Howard alongside Puff 91 00:05:28,000 --> 00:05:30,120 Speaker 1: Daddy and Cassine Read, who would go on to be 92 00:05:30,240 --> 00:05:33,640 Speaker 1: the Mayor of Atlanta. As a student, Cassine Read compelled 93 00:05:33,760 --> 00:05:36,679 Speaker 1: Ryan to produce a hip hop concert for homecoming weekend. 94 00:05:37,320 --> 00:05:39,400 Speaker 1: Of all the people who could have produced that concert 95 00:05:39,440 --> 00:05:42,400 Speaker 1: would set off his stellar career. I wonder why Ryan 96 00:05:42,600 --> 00:05:46,240 Speaker 1: was recruited, what made him so special all those years ago. 97 00:05:46,680 --> 00:05:53,040 Speaker 1: So I've always been well, I've always been excited about 98 00:05:53,960 --> 00:05:59,800 Speaker 1: the entertainment industry, right, But I can't rap, sing, dance 99 00:06:00,440 --> 00:06:03,880 Speaker 1: my way out of a paperbag. Right, So I've always 100 00:06:04,000 --> 00:06:11,400 Speaker 1: been excited about entertainment, but from a business perspective. Um So, 101 00:06:12,000 --> 00:06:15,560 Speaker 1: So back then on the on campus, you know, I 102 00:06:15,680 --> 00:06:20,680 Speaker 1: saw the energy that was being created not just on 103 00:06:20,920 --> 00:06:25,880 Speaker 1: our campus, but the musical energy that existed clearly in 104 00:06:25,960 --> 00:06:30,080 Speaker 1: New York, clearly in California where I was from, where 105 00:06:30,080 --> 00:06:34,680 Speaker 1: I'm from, and Atlanta, and I thought it would be 106 00:06:34,920 --> 00:06:40,680 Speaker 1: an amazing idea will to bring that energy to Washington, 107 00:06:40,839 --> 00:06:45,240 Speaker 1: d C. And to on to Howard's campus, right amidst 108 00:06:45,720 --> 00:06:50,320 Speaker 1: the wonderful culture of the of the go go experience 109 00:06:50,640 --> 00:06:53,720 Speaker 1: that existed in in d C. So it's almost like 110 00:06:53,880 --> 00:06:58,240 Speaker 1: gumbo that was being created right there on on Howard's campus. 111 00:06:58,600 --> 00:07:04,440 Speaker 1: And I tell you this, you know, being all at 112 00:07:04,560 --> 00:07:12,880 Speaker 1: Howard during those times was an incredible education, right. You know. 113 00:07:13,200 --> 00:07:18,640 Speaker 1: Not only was I learning, will you know, scholastically, but 114 00:07:18,800 --> 00:07:24,840 Speaker 1: I was also learning um other cultures really Michael, within 115 00:07:25,240 --> 00:07:30,920 Speaker 1: my own culture, from individuals from different parts of the country, right, 116 00:07:31,400 --> 00:07:38,480 Speaker 1: and built relationships, um with those individuals from Chicago, from 117 00:07:38,640 --> 00:07:44,400 Speaker 1: New York, from d C, from Texas, and those relationships, 118 00:07:44,480 --> 00:07:49,080 Speaker 1: as I tell my children today, are the relationships that 119 00:07:49,320 --> 00:07:56,720 Speaker 1: have helped me become successful. Um. In life across multiple industries. Right. So, 120 00:07:57,440 --> 00:08:01,240 Speaker 1: as you know, I went to how Our university, graduated 121 00:08:01,280 --> 00:08:07,000 Speaker 1: from Howard, relocated to Atlanta, started a music and publishing 122 00:08:07,080 --> 00:08:13,160 Speaker 1: company called Noontime. We made records at Noontime from everybody 123 00:08:13,720 --> 00:08:18,280 Speaker 1: from Mary J. Blige to Aaliyah. We made records for 124 00:08:18,400 --> 00:08:25,560 Speaker 1: puff Uh. We signed um Jeezy Noontime, we signed Sierra UM. 125 00:08:26,000 --> 00:08:31,920 Speaker 1: But those relationships that we used to build that my 126 00:08:32,160 --> 00:08:38,319 Speaker 1: first business, our first business I garnered on Howard's campus, right, 127 00:08:38,760 --> 00:08:42,679 Speaker 1: So it was the relationships that I built, and it 128 00:08:42,880 --> 00:08:48,160 Speaker 1: was also the ability to do business right from with 129 00:08:48,320 --> 00:08:51,719 Speaker 1: the individuals that I that I met at Howard And 130 00:08:51,920 --> 00:08:57,079 Speaker 1: that's really my foundation of of business and how I 131 00:08:57,240 --> 00:09:03,000 Speaker 1: move UM into the future of of of Greenwood. There's 132 00:09:03,120 --> 00:09:05,959 Speaker 1: so many young people who listen to this podcast and 133 00:09:06,040 --> 00:09:08,959 Speaker 1: have dreams about being that front and center performer or 134 00:09:09,080 --> 00:09:11,839 Speaker 1: the athlete or whatever. UM, and you said this, you know, 135 00:09:11,960 --> 00:09:14,360 Speaker 1: I can't grap sing or dance whatever to say in 136 00:09:14,400 --> 00:09:17,840 Speaker 1: my life. UM, in the pursuit of the business side 137 00:09:17,880 --> 00:09:20,640 Speaker 1: of the entertainment industry A New Times where I met you, 138 00:09:20,880 --> 00:09:23,760 Speaker 1: you know, so many years ago, feels like, UM, what 139 00:09:23,880 --> 00:09:28,000 Speaker 1: did you realize about the economical difference between the performer 140 00:09:28,040 --> 00:09:30,480 Speaker 1: who ultimately gets the bright lights and takes the selfies 141 00:09:30,559 --> 00:09:33,319 Speaker 1: with fans versus the person who may walk into a 142 00:09:33,440 --> 00:09:38,199 Speaker 1: room or go into a crowd undetected or unnoticed. So 143 00:09:38,840 --> 00:09:43,679 Speaker 1: so on. On the economic side, um, let me just 144 00:09:43,800 --> 00:09:49,000 Speaker 1: address address that. You know, it's lights, camera action, so 145 00:09:49,679 --> 00:09:56,679 Speaker 1: so saving is always should be always at the forefront 146 00:09:57,200 --> 00:10:04,760 Speaker 1: of anybody in entertainment or any other industries, uh frontal 147 00:10:04,840 --> 00:10:08,920 Speaker 1: low in their thinking right because as we all know, 148 00:10:09,840 --> 00:10:16,560 Speaker 1: in entertainment specifically, but just in life, nothing lasts forever. 149 00:10:17,640 --> 00:10:22,920 Speaker 1: So so once you have that understanding that that you 150 00:10:23,000 --> 00:10:27,680 Speaker 1: mentioned the right lights, at some point those lights will dim. 151 00:10:28,600 --> 00:10:31,800 Speaker 1: I don't care if you are on stage or I 152 00:10:31,840 --> 00:10:36,040 Speaker 1: don't care if you are backstage. Right, there is always 153 00:10:36,840 --> 00:10:42,319 Speaker 1: someone who is gonna be a little more talented than 154 00:10:42,400 --> 00:10:46,320 Speaker 1: you are, a little younger than you, a little faster 155 00:10:46,480 --> 00:10:50,680 Speaker 1: than you. So you really have to look at your 156 00:10:50,760 --> 00:10:57,160 Speaker 1: talent and understand will that that it's everything lass in 157 00:10:57,400 --> 00:11:02,599 Speaker 1: chapters and in seasons. So you have to prepare yourself accordingly. 158 00:11:02,960 --> 00:11:06,559 Speaker 1: You know, as a business person, you know I've been 159 00:11:06,640 --> 00:11:12,840 Speaker 1: saying the art of recalibration is what can what allows 160 00:11:13,640 --> 00:11:16,599 Speaker 1: you as a businessman to continue to grow. You know, 161 00:11:17,120 --> 00:11:22,080 Speaker 1: I've been in in music, I've been in television and film. 162 00:11:22,720 --> 00:11:27,480 Speaker 1: Now I am in uh in banking services and digital 163 00:11:27,520 --> 00:11:34,920 Speaker 1: banking services industry. And you know, my recalibration has um 164 00:11:35,679 --> 00:11:42,280 Speaker 1: allowed me to change industries. Right, But my strategies in 165 00:11:42,360 --> 00:11:48,360 Speaker 1: the way I operate as a businessman remains consistent, and 166 00:11:48,679 --> 00:11:54,000 Speaker 1: and that really starts with for me, trusting in God 167 00:11:54,480 --> 00:11:59,520 Speaker 1: and putting God first with whatever I do right and 168 00:11:59,679 --> 00:12:04,000 Speaker 1: then also doing the best that I can to treat 169 00:12:04,559 --> 00:12:09,680 Speaker 1: people the way I want to be treated, um, whether 170 00:12:10,240 --> 00:12:14,079 Speaker 1: they are on my side of the negotiating table or 171 00:12:14,200 --> 00:12:17,120 Speaker 1: on the or whether they're on the opposite side of 172 00:12:17,200 --> 00:12:21,520 Speaker 1: the table. A lot of times people will realize, you know, truly, 173 00:12:21,720 --> 00:12:26,120 Speaker 1: honesty is really the best policy, whether you right, whether 174 00:12:26,280 --> 00:12:29,920 Speaker 1: whether whether you want to. You'd say something to somebody 175 00:12:30,000 --> 00:12:32,439 Speaker 1: that you think that they don't want to hear, and 176 00:12:32,559 --> 00:12:35,400 Speaker 1: they might not want to hear it, but at the 177 00:12:35,600 --> 00:12:38,280 Speaker 1: end of the day, if you're dealing with grown ups, 178 00:12:39,080 --> 00:12:43,480 Speaker 1: grown ups will understand it and respect it, and then 179 00:12:43,600 --> 00:12:49,400 Speaker 1: that will allow you no matter where your professional career 180 00:12:50,520 --> 00:12:54,400 Speaker 1: journey takes you, will allow you to garner that same 181 00:12:54,520 --> 00:12:59,199 Speaker 1: respect with that earlier individual or with the individual that 182 00:12:59,360 --> 00:13:02,080 Speaker 1: you're a current be dealing with in that given time. 183 00:13:02,360 --> 00:13:07,400 Speaker 1: So I mean, those are my two basic strategies of whatever. 184 00:13:07,480 --> 00:13:11,280 Speaker 1: And listen, if I move to, um, opening up a 185 00:13:11,360 --> 00:13:16,800 Speaker 1: hot dog stand in front of a a sports arena, 186 00:13:17,600 --> 00:13:21,839 Speaker 1: I'm gonna use the same strategies of the same strategies 187 00:13:21,880 --> 00:13:24,280 Speaker 1: I use in banking, the same strategies that I use 188 00:13:24,320 --> 00:13:28,960 Speaker 1: intellivigient film, same strategies and methodologies are using music. Yeah, 189 00:13:29,040 --> 00:13:32,600 Speaker 1: and that honestly gives them the opportunity to deal with it. However, 190 00:13:32,640 --> 00:13:34,120 Speaker 1: they got to deal with it, but come back to 191 00:13:34,200 --> 00:13:39,280 Speaker 1: the table for everybody's benefit. Yeah. Yeah, you mentioned relationships, 192 00:13:39,320 --> 00:13:42,240 Speaker 1: and um, you know I saw an interview with you 193 00:13:42,280 --> 00:13:44,600 Speaker 1: where you said the best business advice you ever received 194 00:13:44,720 --> 00:13:48,120 Speaker 1: was never give your partner surprises. Um. When I think 195 00:13:48,160 --> 00:13:52,520 Speaker 1: about that advice, I consider how much a business partnership 196 00:13:52,559 --> 00:13:57,480 Speaker 1: it's like a marriage and probably shouldn't be entered into frivolously. Right. 197 00:13:57,559 --> 00:14:00,959 Speaker 1: And if if then we are of culture, as in 198 00:14:01,000 --> 00:14:03,520 Speaker 1: black people, if we are the culture that drives all 199 00:14:03,600 --> 00:14:07,680 Speaker 1: global culture, whether you're talking about food, fashion, music, sports 200 00:14:07,760 --> 00:14:10,599 Speaker 1: or whatever. Then if you put two or three of 201 00:14:10,720 --> 00:14:15,079 Speaker 1: us together, um, we should dominate, right if we're to 202 00:14:15,280 --> 00:14:18,280 Speaker 1: you know, globally and all of these things, and we're 203 00:14:18,360 --> 00:14:22,640 Speaker 1: not in everything, And so I wonder, um, is it 204 00:14:22,800 --> 00:14:25,240 Speaker 1: because we may be misaligned with our partnerships or is 205 00:14:25,320 --> 00:14:27,360 Speaker 1: it something else? I wonder what your thoughts are on 206 00:14:27,480 --> 00:14:30,960 Speaker 1: how to build successful business partnerships because you've done so 207 00:14:31,160 --> 00:14:34,920 Speaker 1: many over your career. Well, I should say, yeah, so 208 00:14:35,400 --> 00:14:43,520 Speaker 1: so building successful partnerships. You know, in all candor, oftentimes 209 00:14:45,760 --> 00:14:51,440 Speaker 1: people look at like myself, they only remember the successes. 210 00:14:53,280 --> 00:14:59,960 Speaker 1: But will I have had multiple upon multiple upon multiple 211 00:15:00,640 --> 00:15:06,000 Speaker 1: failures right to go along with those successes, I've actually 212 00:15:06,280 --> 00:15:13,160 Speaker 1: learned more and appreciated and it sounds crazy, more in 213 00:15:13,440 --> 00:15:20,120 Speaker 1: my failures than my successes, right. And in those failures, 214 00:15:21,640 --> 00:15:26,320 Speaker 1: you know, I learned really how to treat people and 215 00:15:26,520 --> 00:15:35,080 Speaker 1: how to um identify not just talent but also partnerships 216 00:15:35,920 --> 00:15:42,240 Speaker 1: that I went and applied those tactics and strategies two 217 00:15:43,200 --> 00:15:48,240 Speaker 1: businesses that ended up working. Right. So you know, we 218 00:15:48,360 --> 00:15:54,720 Speaker 1: live in a generation now where everybody wants everything microwavable, 219 00:15:55,800 --> 00:16:03,000 Speaker 1: you know, you know I you mentioned already promotion at Howard. 220 00:16:04,080 --> 00:16:12,320 Speaker 1: I used to study, go to school, study, taking nap 221 00:16:13,400 --> 00:16:15,800 Speaker 1: at night, wake up at twelve am in the morning 222 00:16:16,320 --> 00:16:21,520 Speaker 1: and go pass out three thousand, four thousand flyers hand 223 00:16:21,560 --> 00:16:25,120 Speaker 1: to hand at an event, at an upcoming event that 224 00:16:25,200 --> 00:16:29,560 Speaker 1: I was promoting into the wee bit hours and then 225 00:16:29,960 --> 00:16:32,920 Speaker 1: get up and do it all over again weeks on 226 00:16:33,200 --> 00:16:40,360 Speaker 1: end while at school while promoting. Right, that's that's the 227 00:16:40,520 --> 00:16:45,760 Speaker 1: grind now kids a lot of times and Raley, So 228 00:16:46,000 --> 00:16:50,240 Speaker 1: technology is great. I'm thank the Lord for technology. But 229 00:16:50,360 --> 00:16:54,400 Speaker 1: technology is could be a gift and a curse at 230 00:16:54,440 --> 00:17:01,160 Speaker 1: the same time, because although you know, the younger generation 231 00:17:01,360 --> 00:17:03,720 Speaker 1: is definitely on the hustle and I love it. I 232 00:17:03,840 --> 00:17:08,440 Speaker 1: love everything that I see um from the the younger 233 00:17:08,800 --> 00:17:14,760 Speaker 1: generation across multiple industries. But there's something to the fact 234 00:17:15,440 --> 00:17:19,080 Speaker 1: to the art for me of putting a flyer on 235 00:17:19,200 --> 00:17:25,600 Speaker 1: a car, Right, I did that. I did that. That 236 00:17:26,040 --> 00:17:32,040 Speaker 1: that that you just you can't duplicate that. That grind 237 00:17:33,440 --> 00:17:37,320 Speaker 1: hand combat, yeah, yeah, and that grind, that grind is 238 00:17:37,400 --> 00:17:40,399 Speaker 1: always in the forefront of my mind whatever I do. 239 00:17:41,280 --> 00:17:49,400 Speaker 1: It's ironic. Man. The the more uh the world perceives 240 00:17:50,040 --> 00:17:59,679 Speaker 1: of my success, uh, the more instable in stable I become. 241 00:18:00,080 --> 00:18:03,399 Speaker 1: Because I'm like, you know, I don't, I can't. I 242 00:18:03,480 --> 00:18:08,720 Speaker 1: can't really, I can't really process success. I can only process. 243 00:18:08,920 --> 00:18:12,560 Speaker 1: I can't process past success. I can only focus on 244 00:18:13,119 --> 00:18:16,120 Speaker 1: what's in front of me, right, I get it. Yeah, 245 00:18:16,160 --> 00:18:20,879 Speaker 1: I'm not looking backwards. I'm looking forwards, um, because there's 246 00:18:21,200 --> 00:18:24,320 Speaker 1: there's still more work to be done, there's still more 247 00:18:24,840 --> 00:18:29,200 Speaker 1: good trouble to get into, you know. Um, so so 248 00:18:29,520 --> 00:18:34,479 Speaker 1: so that's that's that's my mindset, man, um. Far too 249 00:18:34,560 --> 00:18:37,439 Speaker 1: many of us in our community have dreams of starting 250 00:18:37,480 --> 00:18:41,800 Speaker 1: companies and don't have adequate business business banking relationships right 251 00:18:42,000 --> 00:18:45,639 Speaker 1: or banking relationships period um. In fact, too many of 252 00:18:45,720 --> 00:18:49,359 Speaker 1: us avoid banks altogether and or just use banks for 253 00:18:49,480 --> 00:18:52,040 Speaker 1: you know, depositing their check and you know debit cards. Right. 254 00:18:52,080 --> 00:18:55,440 Speaker 1: And you said in the previous interview, Uh, this is 255 00:18:55,480 --> 00:18:59,080 Speaker 1: our time speaking about Greenwood to take back control of 256 00:18:59,160 --> 00:19:03,240 Speaker 1: our lives, our financial future, um, for it would be 257 00:19:03,480 --> 00:19:07,119 Speaker 1: entrepreneur in our community. What does a good banking relationship 258 00:19:07,200 --> 00:19:08,879 Speaker 1: look like? This is a big question, but what does 259 00:19:08,920 --> 00:19:11,880 Speaker 1: a good banking relationship look like? How are we supposed 260 00:19:11,960 --> 00:19:15,480 Speaker 1: to engage with banks? Um? Bankers A should say, even 261 00:19:15,640 --> 00:19:19,240 Speaker 1: for services other than justment making deposits into an account? 262 00:19:19,600 --> 00:19:21,520 Speaker 1: And what level of banker should we be talking to? 263 00:19:21,640 --> 00:19:24,280 Speaker 1: Like so we start with the teller, like, what, let's 264 00:19:24,320 --> 00:19:28,240 Speaker 1: walk us through this. Yeah, so so so I believe 265 00:19:29,400 --> 00:19:33,480 Speaker 1: speaking of technology, we're in a new digital age. So 266 00:19:33,840 --> 00:19:40,720 Speaker 1: sixty of Americans are banking digitally currently UM. That number 267 00:19:40,840 --> 00:19:46,200 Speaker 1: is kicking up around three per year. And there are 268 00:19:46,359 --> 00:19:52,920 Speaker 1: really no authentic digital banking solutions that cater to the 269 00:19:53,000 --> 00:19:58,800 Speaker 1: African American and Latin X community really until Greenwood. So 270 00:19:58,880 --> 00:20:03,600 Speaker 1: we're a fintech neil bank that provides modern digital banking 271 00:20:03,840 --> 00:20:08,359 Speaker 1: services for for the for the culture. Right. So, so 272 00:20:08,560 --> 00:20:12,840 Speaker 1: you know some of our services your full service UH 273 00:20:13,320 --> 00:20:16,680 Speaker 1: bank in your hand, savings and spending the count. We 274 00:20:16,840 --> 00:20:20,440 Speaker 1: have Apple and Android pay, peer to peer, money transfers, 275 00:20:20,520 --> 00:20:25,560 Speaker 1: mobile deposits, global ATM network, UM, no hidden fees, and 276 00:20:25,680 --> 00:20:30,560 Speaker 1: one of my favorite features UM today early early pay UM. 277 00:20:31,320 --> 00:20:33,520 Speaker 1: But the fact of the matter is there are three 278 00:20:33,600 --> 00:20:37,840 Speaker 1: problems well that we will solve UM and as a 279 00:20:37,920 --> 00:20:44,880 Speaker 1: reason why we stood, we're standing green with up UM. One. UM. 280 00:20:45,440 --> 00:20:48,880 Speaker 1: You know, in our communities there are far too many 281 00:20:49,800 --> 00:20:56,080 Speaker 1: predatory banking services that we cater to. We want to 282 00:20:56,320 --> 00:21:04,840 Speaker 1: extinguish those predatory services. Two and oh to Greenwood, we 283 00:21:05,119 --> 00:21:10,720 Speaker 1: want to be a part of the solution of recirculating 284 00:21:11,840 --> 00:21:17,760 Speaker 1: capital back into our communities as once had what was 285 00:21:17,960 --> 00:21:23,280 Speaker 1: happened in the Greenwood District in Tulsa, Oklahoma. UM. You know, 286 00:21:23,800 --> 00:21:27,520 Speaker 1: we often hear about Black Wall Street in all of 287 00:21:27,600 --> 00:21:33,040 Speaker 1: the thriving businesses that existed during the twenties and that time. 288 00:21:33,640 --> 00:21:37,359 Speaker 1: But you know the reason why those businesses flourished is 289 00:21:37,440 --> 00:21:43,680 Speaker 1: because one dollar recirculated thirty six times in that one community, 290 00:21:44,680 --> 00:21:51,600 Speaker 1: and that allowed UM. That allowed the barber, the banks, 291 00:21:52,480 --> 00:22:00,239 Speaker 1: the the grocers, the attorneys, right the the doctors, right 292 00:22:00,320 --> 00:22:05,000 Speaker 1: the bowling alleys though, whatever businesses were in those communities, 293 00:22:05,440 --> 00:22:10,439 Speaker 1: that money recirculated and everybody got a bite at the apple. 294 00:22:11,440 --> 00:22:17,760 Speaker 1: Unfortunately for us in our community today, one dollar man 295 00:22:17,960 --> 00:22:24,080 Speaker 1: recirculates six hours. So so you know, at Greenwood, through 296 00:22:24,119 --> 00:22:29,359 Speaker 1: our Greenwood Gives Back round Up program, our customers have 297 00:22:29,480 --> 00:22:35,360 Speaker 1: the opportunity to donate their rounded up changed to three 298 00:22:35,560 --> 00:22:40,879 Speaker 1: causes we care about UM. One the n double A 299 00:22:41,000 --> 00:22:45,480 Speaker 1: CP to fight civil rights, UM to U n c 300 00:22:45,760 --> 00:22:50,879 Speaker 1: F to support education. And three there's a wonderful company 301 00:22:50,920 --> 00:22:55,160 Speaker 1: in Atlanta that feeds um the hungry and homeless called 302 00:22:55,200 --> 00:23:01,280 Speaker 1: good Er UM. And our customers have the opportunity to 303 00:23:01,440 --> 00:23:04,080 Speaker 1: donate a portion of their rounded of change to either 304 00:23:04,160 --> 00:23:07,840 Speaker 1: one of those organizations or a combination of the three. 305 00:23:08,440 --> 00:23:14,719 Speaker 1: And then every quarter Greenwood UM we will UM as 306 00:23:14,760 --> 00:23:18,000 Speaker 1: a banking solution donate and match those funds to those 307 00:23:18,240 --> 00:23:24,800 Speaker 1: to those organizations. The third UM solution, the third problem 308 00:23:24,840 --> 00:23:28,560 Speaker 1: that we're going to solve is the deployment of capital 309 00:23:29,359 --> 00:23:36,639 Speaker 1: in our communities. Right. So, you know, I've started a 310 00:23:36,800 --> 00:23:40,240 Speaker 1: couple of businesses that have done well. None of those 311 00:23:40,359 --> 00:23:46,760 Speaker 1: businesses we're started or stood up with banking capital. So 312 00:23:47,600 --> 00:23:52,119 Speaker 1: you know, we don't have the relationships that our counterparts 313 00:23:52,680 --> 00:23:59,879 Speaker 1: have UM that allows us to create wealth personally or 314 00:24:00,160 --> 00:24:07,359 Speaker 1: professionally like others do UM and and we plan on 315 00:24:07,680 --> 00:24:11,080 Speaker 1: solving that problem UM or being a part of the 316 00:24:11,200 --> 00:24:16,359 Speaker 1: solution to that problem. Uh So, really to answer your question, 317 00:24:17,160 --> 00:24:23,040 Speaker 1: you know, we we are an authentic banking solution that 318 00:24:23,320 --> 00:24:28,360 Speaker 1: knows how to because I am one identify small business 319 00:24:28,480 --> 00:24:35,639 Speaker 1: owners UM that that you know have great ideas, have 320 00:24:35,960 --> 00:24:41,160 Speaker 1: wonderful talent, I have a great support system, have a marketplace, 321 00:24:41,600 --> 00:24:46,440 Speaker 1: but just don't have the capital to two turn their 322 00:24:46,560 --> 00:24:51,720 Speaker 1: business from a micro business to a major business. And 323 00:24:52,040 --> 00:24:56,360 Speaker 1: we're we're bullish, We're bullish on that um UM as 324 00:24:56,480 --> 00:25:10,280 Speaker 1: a as A as a company. This she I read 325 00:25:10,320 --> 00:25:13,000 Speaker 1: the book The Color of Money by Mercer Barraturan, and 326 00:25:13,080 --> 00:25:15,600 Speaker 1: she talked about how black people have not yet overcome 327 00:25:15,680 --> 00:25:20,280 Speaker 1: the mindset and systemic oppression of being capital to having capital. 328 00:25:21,119 --> 00:25:23,399 Speaker 1: Ryan's new effort with Green Would Bank, it's on the 329 00:25:23,480 --> 00:25:27,119 Speaker 1: mission to change that for many have tried before. How 330 00:25:27,200 --> 00:25:30,080 Speaker 1: will Green Would make an impact on this pervasive issue? 331 00:25:31,160 --> 00:25:36,400 Speaker 1: Ryan Glover speaks on it, Well, we have good reason. 332 00:25:37,080 --> 00:25:39,360 Speaker 1: You read the book, so you understand we have good 333 00:25:39,440 --> 00:25:47,400 Speaker 1: reason to mistrust banks. So you know in eighteen hundreds 334 00:25:48,480 --> 00:25:55,560 Speaker 1: US A Freeman's bank, that right that that actually duped 335 00:25:56,560 --> 00:26:01,280 Speaker 1: thousands of African Americans out of their savings, and those 336 00:26:01,440 --> 00:26:06,920 Speaker 1: trustees who ran the bank, uh misappropriated their funds into 337 00:26:07,600 --> 00:26:13,920 Speaker 1: investments that never panned out. They're over three thousand um 338 00:26:14,560 --> 00:26:20,240 Speaker 1: um um um individuals who lost who lost money in 339 00:26:20,320 --> 00:26:27,119 Speaker 1: that one bank and that actual trad tragedy and travesty. Unfortunately, 340 00:26:27,240 --> 00:26:31,560 Speaker 1: from a folklore standpoint, that story has been told generation 341 00:26:31,720 --> 00:26:37,800 Speaker 1: to generation and we haven't gotten over it as a culture. Um. 342 00:26:38,480 --> 00:26:44,119 Speaker 1: You know, there's no there's no mystery or there's no 343 00:26:44,320 --> 00:26:51,000 Speaker 1: falsehood in our grandparents are great grandparents actually using their 344 00:26:51,119 --> 00:26:58,760 Speaker 1: mattresses as their savings and deposits, right because bank mistrust. 345 00:26:59,480 --> 00:27:05,240 Speaker 1: And then fast forward, you know all of the the 346 00:27:05,920 --> 00:27:11,440 Speaker 1: the the issues that some traditional banks have had with 347 00:27:11,640 --> 00:27:18,880 Speaker 1: predatory lending, redlining. Um you know of the sort. Uh 348 00:27:19,480 --> 00:27:23,960 Speaker 1: you know, the current community doesn't we're not we're not 349 00:27:24,119 --> 00:27:29,600 Speaker 1: trusting banks, um curb currently right. So you know we 350 00:27:29,760 --> 00:27:33,560 Speaker 1: know also too that we are as a community, uh 351 00:27:34,359 --> 00:27:40,400 Speaker 1: a lot less likely to receive loans than our white counterparts. 352 00:27:40,920 --> 00:27:47,399 Speaker 1: So all of that combustion, combustible bad will for decades 353 00:27:48,320 --> 00:27:54,000 Speaker 1: has created a mistrust in banks, right. Um, you know, 354 00:27:54,480 --> 00:27:59,680 Speaker 1: we are attempting to build that trust back, and we're 355 00:28:00,400 --> 00:28:05,960 Speaker 1: coming at an approaching it from a standpoint of I 356 00:28:06,080 --> 00:28:11,520 Speaker 1: am not a banker, but we have hired bankers to 357 00:28:12,040 --> 00:28:17,199 Speaker 1: operate our business. But me not being a physical banker, 358 00:28:17,760 --> 00:28:22,720 Speaker 1: I understand. I believe what the community and the small 359 00:28:22,840 --> 00:28:27,480 Speaker 1: business person and just the everyday African American and Latin 360 00:28:27,640 --> 00:28:34,600 Speaker 1: X customer needs to understand on creating an authentic banking solution. 361 00:28:35,480 --> 00:28:40,920 Speaker 1: And we're speaking directly and authentically, um to to that 362 00:28:41,200 --> 00:28:45,440 Speaker 1: to that individual and hopefully over time we will build 363 00:28:45,520 --> 00:28:50,520 Speaker 1: trust back into the community from a banking perspective. Um, 364 00:28:51,000 --> 00:28:54,960 Speaker 1: you know, and yes there are other great African American 365 00:28:55,440 --> 00:29:00,960 Speaker 1: banks that that exists, but I candidly think, you know 366 00:29:01,640 --> 00:29:07,440 Speaker 1: not no of the traditionals or the African American current 367 00:29:07,520 --> 00:29:13,880 Speaker 1: banks are speaking to the generation, Um, that we currently 368 00:29:14,040 --> 00:29:19,080 Speaker 1: exist in the way we organically and authentically can and 369 00:29:19,200 --> 00:29:22,920 Speaker 1: that's what we're that's what we're going to do it. Um, 370 00:29:23,240 --> 00:29:27,400 Speaker 1: you've broken into very well, you know, these industries that 371 00:29:27,560 --> 00:29:29,600 Speaker 1: have high bars in a lot of ways to get into, 372 00:29:29,680 --> 00:29:32,120 Speaker 1: you know what, whether it be owning television stations and 373 00:29:32,200 --> 00:29:34,920 Speaker 1: not holding a bank, etcetera. And talk to me like 374 00:29:35,120 --> 00:29:38,440 Speaker 1: number one, like, what what is it that Ryan has 375 00:29:38,560 --> 00:29:40,480 Speaker 1: in his background that says, you know what, we're going 376 00:29:40,520 --> 00:29:42,480 Speaker 1: to give him the keys to this next level of 377 00:29:42,560 --> 00:29:45,240 Speaker 1: success because a lot of people may go to start 378 00:29:45,280 --> 00:29:47,719 Speaker 1: a television network and can't get it done. A lot 379 00:29:47,800 --> 00:29:49,800 Speaker 1: of people want to start a bank, can't get it done, 380 00:29:50,200 --> 00:29:52,960 Speaker 1: not for like a trying, But what is it? What 381 00:29:53,120 --> 00:29:59,080 Speaker 1: is it that people miss? Here? Here's my secret partner 382 00:29:59,160 --> 00:30:06,959 Speaker 1: with people as smart or smarter than you in those industries. Okay, 383 00:30:08,000 --> 00:30:13,960 Speaker 1: that's where I start. UM. I always start with whether 384 00:30:14,400 --> 00:30:18,960 Speaker 1: whether it be music, television, and film. UM, Now, banking services. 385 00:30:19,640 --> 00:30:27,440 Speaker 1: I start with where is the opportunity and that KNT 386 00:30:27,480 --> 00:30:33,440 Speaker 1: could be filled? That's not right. In music, we started 387 00:30:33,520 --> 00:30:39,880 Speaker 1: Noontime from the auspices of they are amazed a ton 388 00:30:39,960 --> 00:30:44,480 Speaker 1: of amazing production companies and record companies that are doing 389 00:30:44,560 --> 00:30:53,080 Speaker 1: amazing work. So so Deaf bad Boy, Deaf Jam death 390 00:30:53,320 --> 00:30:57,959 Speaker 1: Row right, death Row came a little bit after us, 391 00:30:58,040 --> 00:31:02,240 Speaker 1: but you get my get my point um. But we 392 00:31:02,360 --> 00:31:07,280 Speaker 1: at noon time, we all knew myself, Chris Hicks and 393 00:31:07,360 --> 00:31:10,920 Speaker 1: Henry Lead, We all knew that neither none of us 394 00:31:11,160 --> 00:31:13,960 Speaker 1: could wrap singer dance away out of a paper bag. 395 00:31:14,600 --> 00:31:18,520 Speaker 1: But we are Angle was being the best business people 396 00:31:19,080 --> 00:31:23,800 Speaker 1: that we could be to support the talent. Right that 397 00:31:24,760 --> 00:31:29,560 Speaker 1: that led the company. We weren't the talent. And the 398 00:31:29,640 --> 00:31:33,680 Speaker 1: other companies that we were competing with, they were led 399 00:31:33,760 --> 00:31:38,800 Speaker 1: by talent. Our Angle was not to lead by talent, 400 00:31:39,200 --> 00:31:43,800 Speaker 1: but lead through business and business executives. Right, So that 401 00:31:44,000 --> 00:31:50,640 Speaker 1: was our niche bounce. We were the first African We 402 00:31:50,760 --> 00:31:55,959 Speaker 1: are the first African American broadcast network in existence. Right, 403 00:31:56,600 --> 00:32:02,480 Speaker 1: we knew, I knew that black and brown folks, um 404 00:32:04,160 --> 00:32:11,800 Speaker 1: you know, wanted to watch compelling, captivating entertainment, entertaining television programming. 405 00:32:12,920 --> 00:32:19,240 Speaker 1: But we all don't have dollars to UH enlisted in 406 00:32:19,280 --> 00:32:23,280 Speaker 1: a cable operator, right, So how can we become the 407 00:32:23,360 --> 00:32:29,479 Speaker 1: first over the air network that provided free entertaining UM 408 00:32:30,000 --> 00:32:35,520 Speaker 1: content to the masses over the air broadcast content like 409 00:32:35,680 --> 00:32:41,080 Speaker 1: an NBC, ABC, Fox. And we did it UM and 410 00:32:41,240 --> 00:32:45,400 Speaker 1: partnered with individuals who knew that business like the back 411 00:32:45,480 --> 00:32:50,920 Speaker 1: of their hands. Same thing with with with Greenwood UM. 412 00:32:51,000 --> 00:32:57,480 Speaker 1: There's an opportunity to serve a zero served African American 413 00:32:57,560 --> 00:33:03,720 Speaker 1: and Latin X community for a digital banking perspective UM. 414 00:33:04,960 --> 00:33:12,480 Speaker 1: Partnering with bankers, UM and individuals of like thinking to 415 00:33:12,960 --> 00:33:17,440 Speaker 1: grow this business is the way we're growing the Greenwood 416 00:33:18,120 --> 00:33:22,920 Speaker 1: UH banking solution. So all all of the businesses that 417 00:33:23,000 --> 00:33:27,040 Speaker 1: have all ever started always have started with the mission 418 00:33:28,160 --> 00:33:35,800 Speaker 1: and then a devout commitment to create UH compelling content 419 00:33:36,400 --> 00:33:41,520 Speaker 1: that I believe resonate with our consumers UM and then 420 00:33:41,640 --> 00:33:46,520 Speaker 1: do it consistently UM. And that has just grown. And 421 00:33:46,640 --> 00:33:51,280 Speaker 1: I believe, you know, going back to trust, will you know, 422 00:33:52,160 --> 00:33:57,880 Speaker 1: based on my past successes and failures that folks don't 423 00:33:57,920 --> 00:34:04,080 Speaker 1: talk about, I have built trust as an executive and 424 00:34:04,200 --> 00:34:08,400 Speaker 1: that is carried over and from music to television and 425 00:34:08,480 --> 00:34:13,239 Speaker 1: film and now the banking and in that trust is 426 00:34:13,680 --> 00:34:21,400 Speaker 1: resonating in the community with our mission at Greenwood. UM. 427 00:34:21,520 --> 00:34:25,040 Speaker 1: Speaking of what you were appointed to the Martyr board 428 00:34:25,120 --> 00:34:28,480 Speaker 1: back and I think seen um, which to me indicates 429 00:34:28,560 --> 00:34:32,080 Speaker 1: like that you see the correlations between like political power 430 00:34:32,200 --> 00:34:35,240 Speaker 1: or influence and a true opportunity to serve your community 431 00:34:35,320 --> 00:34:38,720 Speaker 1: and make it better. UM. So many business people avoid 432 00:34:38,800 --> 00:34:42,520 Speaker 1: getting involved in government or politics, and so many government 433 00:34:42,600 --> 00:34:45,160 Speaker 1: types either avoided don't have the jobs to succeed in 434 00:34:45,360 --> 00:34:48,799 Speaker 1: an enterprise. UM. For those of us out there who 435 00:34:48,840 --> 00:34:52,320 Speaker 1: are growing companies but also are getting called on to serve, 436 00:34:52,880 --> 00:34:57,319 Speaker 1: how do you recommend we or they? UM, both think 437 00:34:57,360 --> 00:35:00,800 Speaker 1: about their responsibility and their overall can see an ability 438 00:35:00,880 --> 00:35:03,719 Speaker 1: to create chase for the community and for you know, 439 00:35:03,840 --> 00:35:10,319 Speaker 1: their lineage. So here's how I'll answer that and kind 440 00:35:10,320 --> 00:35:12,439 Speaker 1: of be around the block, but I'll get to my point. 441 00:35:13,640 --> 00:35:18,560 Speaker 1: So I have five children from the ages of twenty 442 00:35:18,640 --> 00:35:26,560 Speaker 1: one uh to seven, and I believe in that the 443 00:35:26,680 --> 00:35:32,560 Speaker 1: more time you invest time that you invest into your children, 444 00:35:33,440 --> 00:35:41,200 Speaker 1: the more successful they will become, and the the the 445 00:35:41,960 --> 00:35:50,080 Speaker 1: more valuable from an economic standpoint they will become for themselves. Okay, 446 00:35:50,960 --> 00:35:55,480 Speaker 1: soh so that time that I invest into my children 447 00:35:56,239 --> 00:36:03,200 Speaker 1: may be perceived or directly a time suck for me 448 00:36:03,840 --> 00:36:11,080 Speaker 1: that is not registering to a dollar earned. Right, what 449 00:36:11,360 --> 00:36:15,880 Speaker 1: I understand that that investment that I don't reap a 450 00:36:16,600 --> 00:36:24,200 Speaker 1: monetary benefit from, will harvest itself in my children's life generationally, 451 00:36:24,719 --> 00:36:30,879 Speaker 1: that will provide for generational wealth down the world. Okay, UM, 452 00:36:31,760 --> 00:36:39,520 Speaker 1: here's the analogy. The more you lend your talents and 453 00:36:39,680 --> 00:36:47,960 Speaker 1: your services two causes and organizations that span outside of 454 00:36:49,239 --> 00:36:55,520 Speaker 1: where you directly earn a living, too, will build and 455 00:36:55,760 --> 00:37:04,520 Speaker 1: harvest relationships and value where that right that you will 456 00:37:04,640 --> 00:37:09,520 Speaker 1: benefit from um. And you might not benefit from it 457 00:37:10,480 --> 00:37:15,600 Speaker 1: directly or the next day or the next week, but 458 00:37:16,160 --> 00:37:24,279 Speaker 1: inevitably you will benefit directly or you know, or you 459 00:37:24,360 --> 00:37:28,520 Speaker 1: will be the benefactor, or you will allow someone else 460 00:37:28,560 --> 00:37:31,440 Speaker 1: to benefit from the from the knowledge that you provide 461 00:37:31,480 --> 00:37:35,840 Speaker 1: to them, which is the value. Right. So you know, 462 00:37:36,000 --> 00:37:41,560 Speaker 1: I often I get asked to do favors often, and 463 00:37:41,719 --> 00:37:45,880 Speaker 1: a lot of times UM individuals say hey, well if 464 00:37:45,960 --> 00:37:48,759 Speaker 1: you can do this for me, I will do that 465 00:37:49,160 --> 00:37:55,560 Speaker 1: this for you. I will never do favors looking for 466 00:37:56,000 --> 00:38:01,359 Speaker 1: a direct return, right, because I know, and I've been 467 00:38:01,440 --> 00:38:05,680 Speaker 1: living long enough to know that that return will come 468 00:38:06,120 --> 00:38:11,080 Speaker 1: in a different form and fashion. Um, maybe not even 469 00:38:11,200 --> 00:38:14,880 Speaker 1: directly back to me, but someone that I have a 470 00:38:15,000 --> 00:38:19,000 Speaker 1: relationship with or get this, I may need that same 471 00:38:19,200 --> 00:38:23,640 Speaker 1: favor of the person in ten years of the person 472 00:38:24,200 --> 00:38:28,880 Speaker 1: that asked me for the favor ten years previous. So 473 00:38:29,480 --> 00:38:32,960 Speaker 1: I like to bank my favors. No pun intendon. That's good. 474 00:38:33,120 --> 00:38:36,600 Speaker 1: That's good man, That's really really good. That was heavy 475 00:38:36,719 --> 00:38:43,759 Speaker 1: been there? What kind of benefit did going digital all 476 00:38:43,840 --> 00:38:46,520 Speaker 1: digital have for you in Greenwood? Like, could you have 477 00:38:46,640 --> 00:38:49,840 Speaker 1: achieved your mission of building wealth you know, money circulation 478 00:38:49,880 --> 00:38:53,239 Speaker 1: in the black community and generational wealth transfer with brick 479 00:38:53,320 --> 00:38:55,440 Speaker 1: and Mortar. And here's what I'm getting out before you 480 00:38:55,480 --> 00:38:59,279 Speaker 1: answer it. What is different about the opportunity in doing 481 00:38:59,400 --> 00:39:03,400 Speaker 1: business to day at scale versus eighteen years ago or 482 00:39:03,880 --> 00:39:08,560 Speaker 1: years ago? Yeah, so brick and Mortar, No, um, because 483 00:39:09,520 --> 00:39:14,920 Speaker 1: my our message can resonate in California, it can resonate 484 00:39:14,960 --> 00:39:19,080 Speaker 1: in Chicago, it can resonate in Atlanta, it can resonate 485 00:39:19,120 --> 00:39:22,200 Speaker 1: in Savannah, it can resonate in d C. It can 486 00:39:22,280 --> 00:39:25,640 Speaker 1: resonate in Newark, it can resonate in Compton, it can 487 00:39:25,680 --> 00:39:34,640 Speaker 1: resonate um. Currently, domestically it's going to resonate internationally as well. Um, 488 00:39:35,680 --> 00:39:40,200 Speaker 1: we could not stand up, um brick and mortar banks 489 00:39:40,719 --> 00:39:47,480 Speaker 1: fast enough right in order to I believe, keep up 490 00:39:47,560 --> 00:39:50,520 Speaker 1: with the demand of the service that we are going 491 00:39:50,640 --> 00:39:56,120 Speaker 1: to provide. Two, I believe that those brick and mortar 492 00:39:56,320 --> 00:40:04,200 Speaker 1: costs are are not necessarily archaic in having to do 493 00:40:04,920 --> 00:40:13,600 Speaker 1: but don't serve the customer as well as a digital 494 00:40:13,719 --> 00:40:20,080 Speaker 1: offering will, because at some point the customer pays for 495 00:40:20,239 --> 00:40:26,600 Speaker 1: that brick and mortar spind, it trickles down in some way, 496 00:40:27,040 --> 00:40:33,719 Speaker 1: shape or form. Okay, we nor any other bank or charities. 497 00:40:34,840 --> 00:40:40,480 Speaker 1: So we will make money, but we hope to make 498 00:40:40,680 --> 00:40:45,359 Speaker 1: our customers uh a lot more money as well than 499 00:40:45,400 --> 00:40:49,239 Speaker 1: they're currently making as well. So so that's our philosophy 500 00:40:49,280 --> 00:40:53,319 Speaker 1: on on brick and mortar. No, and finally, Ryan, UM, 501 00:40:53,719 --> 00:40:55,680 Speaker 1: I'm gonna take us back to the beginning because I 502 00:40:55,760 --> 00:40:57,840 Speaker 1: want to end on this which I think is a 503 00:40:57,880 --> 00:41:01,480 Speaker 1: really powerful thing. So, Um, you graduated with a degree 504 00:41:01,600 --> 00:41:04,200 Speaker 1: in accounting and after a while I read the story said, 505 00:41:04,400 --> 00:41:07,239 Speaker 1: after a while of working in the field, Um, you 506 00:41:07,320 --> 00:41:09,320 Speaker 1: called to tell your mom that you hated working in 507 00:41:09,360 --> 00:41:11,919 Speaker 1: the county, and she cursed you out for about thirty 508 00:41:11,960 --> 00:41:14,719 Speaker 1: straight minutes and afterwards gave you your blessing to go 509 00:41:14,800 --> 00:41:17,719 Speaker 1: into your thing in music. And so the chapters of 510 00:41:17,800 --> 00:41:20,520 Speaker 1: your career looks something like, you know, accounting the music, 511 00:41:20,680 --> 00:41:24,440 Speaker 1: to fashion with Ryan Kinney, to TV and now to banking. 512 00:41:25,239 --> 00:41:29,320 Speaker 1: For people who today might feel that some cost of 513 00:41:29,560 --> 00:41:32,279 Speaker 1: spending so much time pursuing something, or so much time 514 00:41:32,360 --> 00:41:36,200 Speaker 1: in an industry that that may not feel them, um, 515 00:41:36,480 --> 00:41:39,239 Speaker 1: I mean keeps them from switching gears. What do you 516 00:41:39,400 --> 00:41:46,879 Speaker 1: hope your story inspires in them? Be brave? Right, um? 517 00:41:47,440 --> 00:41:56,399 Speaker 1: Trust God and be brave. Um. And thirdly, uh, you've 518 00:41:56,480 --> 00:42:04,040 Speaker 1: got to be more in line with your passion then 519 00:42:05,280 --> 00:42:10,960 Speaker 1: the money that you think you'll make. The harder you 520 00:42:11,560 --> 00:42:16,800 Speaker 1: chase a dollar, the faster that dollar will run away 521 00:42:16,920 --> 00:42:21,560 Speaker 1: from you, You follow your passion, you follow your heart, 522 00:42:22,680 --> 00:42:26,239 Speaker 1: and you follow your talent. All right, Listen, I want 523 00:42:26,280 --> 00:42:29,279 Speaker 1: to play second base for the Atlanta Braves right now, 524 00:42:29,800 --> 00:42:32,360 Speaker 1: right at fifty, I still think I can turn a 525 00:42:32,440 --> 00:42:37,920 Speaker 1: mean double play. Um, but I'm fifty and I can't 526 00:42:38,000 --> 00:42:41,400 Speaker 1: turn a mean double play like a guy a team 527 00:42:41,840 --> 00:42:46,080 Speaker 1: right nineteen twenty, that's right, that's in the maize, right. 528 00:42:46,520 --> 00:42:50,440 Speaker 1: So I'm passionate about baseball. I love the sport, but 529 00:42:50,600 --> 00:42:54,480 Speaker 1: my talent isn't there. So you gotta marry. You gotta 530 00:42:54,520 --> 00:43:01,000 Speaker 1: marry being brave, with with passion, with for me, faith 531 00:43:01,080 --> 00:43:04,720 Speaker 1: in God and talent right and a lot of times 532 00:43:05,680 --> 00:43:11,520 Speaker 1: when I say talent, it may not be personal talent 533 00:43:11,840 --> 00:43:17,399 Speaker 1: that you own, but you have to be intelligent enough 534 00:43:18,560 --> 00:43:23,879 Speaker 1: to partner with individuals who have that talent that you need, 535 00:43:24,680 --> 00:43:28,160 Speaker 1: that can work with the talent that you have in 536 00:43:28,400 --> 00:43:33,960 Speaker 1: order to make your vision growth. So so that is 537 00:43:34,600 --> 00:43:38,720 Speaker 1: that that would be my three or four keys to success. 538 00:43:44,120 --> 00:43:55,799 Speaker 1: Ye Black Tech, Green money is and producing. The Black 539 00:43:55,840 --> 00:43:58,280 Speaker 1: of the afro Tech is produced by Morgan to Bond 540 00:43:58,320 --> 00:44:01,719 Speaker 1: and me Will Lucas, with additional production support by Love 541 00:44:01,800 --> 00:44:05,080 Speaker 1: Beach and Ray veneer Bort. Special thank you to Michael 542 00:44:05,160 --> 00:44:07,320 Speaker 1: Davis is the cars of Von Yann you know like 543 00:44:07,440 --> 00:44:10,440 Speaker 1: the wine and yes that's his real name. Learn more 544 00:44:10,480 --> 00:44:12,840 Speaker 1: about my guests and other tech disruptors and innovators at 545 00:44:12,840 --> 00:44:17,640 Speaker 1: afrotech dot com. Don't get your money, He's in love.