1 00:00:00,160 --> 00:00:03,720 Speaker 1: Native lamdpod is a production of iHeartRadio in partnership with 2 00:00:03,880 --> 00:00:05,040 Speaker 1: Reason Choice Media. 3 00:00:05,559 --> 00:00:09,160 Speaker 2: Welcome Welcome, Welcome, Welcome, Welcome, Welcome, Welcome. 4 00:00:09,840 --> 00:00:13,160 Speaker 1: Welcome Home, Everybody. It is another solo pod. I'm your host, 5 00:00:13,200 --> 00:00:17,919 Speaker 1: Angela Raie or Native lamppod, and today I am I 6 00:00:17,960 --> 00:00:20,920 Speaker 1: don't know if I want to say nerve sighted, scar sighted, 7 00:00:21,400 --> 00:00:24,759 Speaker 1: eager sighted. I'm excited, but I also got some nerves 8 00:00:24,800 --> 00:00:28,760 Speaker 1: about this topic. Let me tell you why money is funny, mane. 9 00:00:29,040 --> 00:00:33,479 Speaker 1: It really just is. I want to be rich. I 10 00:00:33,840 --> 00:00:37,159 Speaker 1: have had some high moments, I've had some low moments. 11 00:00:37,479 --> 00:00:41,239 Speaker 1: I think, at forty six years old, I am so 12 00:00:41,440 --> 00:00:44,120 Speaker 1: ashamed about where I am financially. 13 00:00:44,240 --> 00:00:46,240 Speaker 3: I feel like I should be much better off. 14 00:00:46,280 --> 00:00:48,159 Speaker 1: I had a dream of where I would be at 15 00:00:48,159 --> 00:00:51,519 Speaker 1: this age, you know, probably when I was five, six, seven, eight, nine, ten, 16 00:00:51,640 --> 00:00:54,160 Speaker 1: twenty five. You know, like all of that, like so 17 00:00:54,320 --> 00:00:57,000 Speaker 1: many of us, and there are things that happen in 18 00:00:57,080 --> 00:01:00,000 Speaker 1: our lives where we feel out of control of our finances. 19 00:01:00,080 --> 00:01:02,160 Speaker 1: And I think, right now, in this environment we are 20 00:01:02,160 --> 00:01:04,640 Speaker 1: in this country, it's definitely one of them. There are 21 00:01:04,720 --> 00:01:10,160 Speaker 1: so many unpredictable factors that dictate our financial outcomes that 22 00:01:10,200 --> 00:01:13,040 Speaker 1: we're not in control of. So how do we gain 23 00:01:13,120 --> 00:01:16,880 Speaker 1: control of this space that we so desperately need to 24 00:01:16,920 --> 00:01:20,080 Speaker 1: have control over? And I got to tell y'all, this 25 00:01:20,120 --> 00:01:22,600 Speaker 1: ain't none of my business. It should be my business, 26 00:01:23,160 --> 00:01:26,440 Speaker 1: but this ain't an area where I excel. So I 27 00:01:26,480 --> 00:01:29,120 Speaker 1: called it in a lifeline. I saw this sister on 28 00:01:29,360 --> 00:01:32,520 Speaker 1: Instagram and I was so intrigued by what she was saying. 29 00:01:32,600 --> 00:01:36,479 Speaker 1: I have a financial advisor. He's done some amazing work 30 00:01:36,520 --> 00:01:39,240 Speaker 1: for me. He's grown my retirement account and all of that. 31 00:01:39,280 --> 00:01:42,160 Speaker 1: But I'm also someone that has withdrawn. Oh they hate 32 00:01:42,200 --> 00:01:46,040 Speaker 1: to hear that from my retirement account. You know, there 33 00:01:45,720 --> 00:01:48,640 Speaker 1: are places in life, For example, I talk about this 34 00:01:48,720 --> 00:01:52,480 Speaker 1: all the time in church, in law school, I would 35 00:01:52,520 --> 00:01:55,840 Speaker 1: tithe off of my student loans. That ain't my increase, 36 00:01:55,920 --> 00:01:58,640 Speaker 1: that's my decrease. What you're doing, sis, I don't know, 37 00:01:59,080 --> 00:02:02,880 Speaker 1: but I've been afraid to ask questions. My family did 38 00:02:02,920 --> 00:02:06,160 Speaker 1: well financially, but we didn't necessarily budget the best, and 39 00:02:06,200 --> 00:02:08,799 Speaker 1: so I've avoided the things where I've been afraid. As 40 00:02:08,840 --> 00:02:11,800 Speaker 1: we go in to twenty twenty six, I said, you 41 00:02:11,880 --> 00:02:14,200 Speaker 1: know what, self, We're gonna. 42 00:02:14,000 --> 00:02:15,399 Speaker 3: Turn over a new lead. 43 00:02:15,639 --> 00:02:18,200 Speaker 1: We're gonna ask the tough questions, we are gonna get 44 00:02:18,520 --> 00:02:20,440 Speaker 1: the good advice. And if we want to think and 45 00:02:20,480 --> 00:02:23,079 Speaker 1: grow rich, like my guy Napoleon said, we gotta talk 46 00:02:23,080 --> 00:02:25,360 Speaker 1: to somebody about it cause you ain't the one. 47 00:02:25,639 --> 00:02:27,239 Speaker 3: So there is someone who's the one. 48 00:02:27,280 --> 00:02:29,440 Speaker 1: And before we bring this sister on, I want to 49 00:02:29,520 --> 00:02:30,160 Speaker 1: roll this clip. 50 00:02:30,680 --> 00:02:32,600 Speaker 4: Did you know that dor in this holiday season, for 51 00:02:32,760 --> 00:02:34,959 Speaker 4: every pair of Airmaxes that you buy your family, you 52 00:02:35,000 --> 00:02:37,200 Speaker 4: can buy one share of n Video, a company that 53 00:02:37,240 --> 00:02:40,760 Speaker 4: has worth over four trillion dollars. And for every pair 54 00:02:40,800 --> 00:02:43,320 Speaker 4: of sunglasses that you buy your family during holiday season, 55 00:02:43,560 --> 00:02:45,880 Speaker 4: let's take a pair of givon Chi glasses, you can 56 00:02:45,919 --> 00:02:49,360 Speaker 4: buy three shares of Amazon, the company that everybody's shopping 57 00:02:49,440 --> 00:02:50,960 Speaker 4: at door holiday season. 58 00:02:51,240 --> 00:02:51,720 Speaker 3: And get this. 59 00:02:51,840 --> 00:02:55,360 Speaker 4: For every Louis Baton, perse Louis Vaton Duffel you buy 60 00:02:55,400 --> 00:02:57,639 Speaker 4: your family, do you know that you can own LVMH, 61 00:02:57,919 --> 00:03:00,919 Speaker 4: Louis Vaton, Moa Hennessy and buy Oprah sixty shares of 62 00:03:00,960 --> 00:03:03,760 Speaker 4: this company and they own Louis Baton, Moet. 63 00:03:03,720 --> 00:03:08,600 Speaker 2: Hennessy, Celine, Lowave, Sophora, companies that a lot of people 64 00:03:08,639 --> 00:03:10,519 Speaker 2: are going to be shopping at door holiday season. 65 00:03:10,600 --> 00:03:12,639 Speaker 4: Listen, we are going to spend a ton of money 66 00:03:12,720 --> 00:03:13,600 Speaker 4: during holiday season. 67 00:03:13,760 --> 00:03:15,680 Speaker 2: But what if we give the gift of wealth. 68 00:03:15,919 --> 00:03:17,919 Speaker 4: What if we start owning some of the companies We're 69 00:03:17,960 --> 00:03:20,160 Speaker 4: giving all of our money too. This is the way 70 00:03:20,160 --> 00:03:23,280 Speaker 4: for us to create ownership and create a financial legacy 71 00:03:23,320 --> 00:03:24,160 Speaker 4: for the people we love. 72 00:03:24,919 --> 00:03:26,920 Speaker 1: Well, just so y'all know, I still want to make 73 00:03:26,960 --> 00:03:29,519 Speaker 1: sure we supporting black businesses and all of that too. 74 00:03:30,000 --> 00:03:31,040 Speaker 3: I know she does too. 75 00:03:31,080 --> 00:03:34,720 Speaker 1: We are thrilled to have joining native Lampid today Ashley M. 76 00:03:34,800 --> 00:03:35,160 Speaker 3: Fox. 77 00:03:35,400 --> 00:03:37,640 Speaker 1: She is the founder and CEO of Emplify, and she 78 00:03:37,800 --> 00:03:41,320 Speaker 1: has become my ad hoc financial planner and advisor. She 79 00:03:41,320 --> 00:03:43,360 Speaker 1: doesn't even know now, I just gotta follow the advice. 80 00:03:43,480 --> 00:03:48,640 Speaker 1: So Ashley, help us to stay out and happy holidays. 81 00:03:48,680 --> 00:03:50,960 Speaker 2: Happy holidays. How are you doing? How are you doing? 82 00:03:51,720 --> 00:03:52,760 Speaker 3: Oh man, I'm good. 83 00:03:52,800 --> 00:03:54,720 Speaker 1: I'm trying to be better though, So just so you know, 84 00:03:54,760 --> 00:03:56,960 Speaker 1: while we recorded this podcast, we know it's gonna air 85 00:03:57,000 --> 00:03:58,200 Speaker 1: a little bit later, but. 86 00:03:58,240 --> 00:04:00,000 Speaker 3: I paid played the power ball today. 87 00:04:00,080 --> 00:04:02,880 Speaker 1: You might not like that. You probably rather mea that 88 00:04:03,000 --> 00:04:05,800 Speaker 1: play my investments. We're gonna get that, right, Ashley, But 89 00:04:05,840 --> 00:04:07,520 Speaker 1: I just ain't gonna lie to you. It's one point 90 00:04:07,520 --> 00:04:09,640 Speaker 1: seven billion today. So I just sent my dad to 91 00:04:09,680 --> 00:04:11,840 Speaker 1: the store, my best friend to the store, my other 92 00:04:11,920 --> 00:04:14,640 Speaker 1: friends to the store. We just gotta see what happens. 93 00:04:16,000 --> 00:04:18,159 Speaker 1: By the time this podcast airs, we might be having 94 00:04:18,160 --> 00:04:19,120 Speaker 1: a different conversation. 95 00:04:19,240 --> 00:04:21,640 Speaker 3: But I want to hear from you what you think, 96 00:04:22,000 --> 00:04:24,400 Speaker 3: what you think, what should I do? Help, help help? 97 00:04:24,680 --> 00:04:27,039 Speaker 4: I think I think the first part is the is 98 00:04:27,120 --> 00:04:30,119 Speaker 4: owning the fact that you know you deserve more help, 99 00:04:30,560 --> 00:04:33,279 Speaker 4: You own the fact that you have made mistakes. I 100 00:04:33,279 --> 00:04:36,320 Speaker 4: think I love that you are fearless and vulnerable. I 101 00:04:36,320 --> 00:04:38,000 Speaker 4: think a lot of times when we talk about money, 102 00:04:38,000 --> 00:04:40,960 Speaker 4: we're embarrassed. We don't talk about it as a taboo topic, 103 00:04:41,200 --> 00:04:44,000 Speaker 4: when in reality, we all deserve to have wealth. But 104 00:04:44,040 --> 00:04:46,560 Speaker 4: if we are just constantly spending our money, we are 105 00:04:46,600 --> 00:04:49,800 Speaker 4: always guaranteeing that we're decreasing our net worth. And I'm 106 00:04:49,800 --> 00:04:51,640 Speaker 4: not telling everybody that you have to go start a 107 00:04:51,680 --> 00:04:55,440 Speaker 4: business or quit your job. But every time you spend money, 108 00:04:55,520 --> 00:04:59,040 Speaker 4: somebody else is building wealth. So why not consider owning 109 00:04:59,080 --> 00:05:01,000 Speaker 4: the companies we're get even our money to we have. 110 00:05:01,240 --> 00:05:02,960 Speaker 4: We live in a world now where there are trillion 111 00:05:03,000 --> 00:05:06,640 Speaker 4: dollar businesses because of our consumption, and so it's really 112 00:05:06,640 --> 00:05:09,599 Speaker 4: about shifting our mindset where you don't have to go 113 00:05:09,640 --> 00:05:11,159 Speaker 4: build a big business. You don't have to start with 114 00:05:11,160 --> 00:05:14,120 Speaker 4: thousands of dollars. I always tell people my company, impithy, like, 115 00:05:14,360 --> 00:05:16,080 Speaker 4: you can start with five dollars. If we have the 116 00:05:16,160 --> 00:05:18,640 Speaker 4: five dollars, our way to a million. How about we 117 00:05:18,720 --> 00:05:21,560 Speaker 4: getting the habit of paying ourselves so while we go 118 00:05:21,680 --> 00:05:25,040 Speaker 4: and play the lottery ticket, I would also recommend paying 119 00:05:25,120 --> 00:05:25,960 Speaker 4: you because you. 120 00:05:26,080 --> 00:05:27,919 Speaker 2: Matter just as much as that lottery ticket. 121 00:05:28,960 --> 00:05:29,440 Speaker 3: I love that. 122 00:05:29,520 --> 00:05:31,440 Speaker 1: Okay, now here's a cool question for you. Had to 123 00:05:31,480 --> 00:05:33,960 Speaker 1: tell the truth. When was the last time you played 124 00:05:33,960 --> 00:05:34,520 Speaker 1: the lottery? 125 00:05:34,720 --> 00:05:36,480 Speaker 2: I've actually never played the lottery before. 126 00:05:38,360 --> 00:05:40,840 Speaker 1: Okay, Ashley in here showing out, y'all, she's showing out. 127 00:05:40,880 --> 00:05:43,080 Speaker 3: Okay, tell me why this is a good question. Tell 128 00:05:43,080 --> 00:05:43,440 Speaker 3: me why. 129 00:05:44,880 --> 00:05:46,920 Speaker 2: I guess it just was never on my to do list. 130 00:05:47,000 --> 00:05:47,320 Speaker 3: I don't. 131 00:05:47,880 --> 00:05:49,960 Speaker 4: I didn't come from a family who played the lottery, 132 00:05:50,000 --> 00:05:51,680 Speaker 4: and I just if I'm being honest, Like I went 133 00:05:51,720 --> 00:05:54,480 Speaker 4: to Howard, I wanted to work on Wall Street, and 134 00:05:54,560 --> 00:05:57,000 Speaker 4: so when I got my first internship on Wall Street 135 00:05:57,040 --> 00:05:59,800 Speaker 4: making money, I'm around people with money, and so I 136 00:05:59,800 --> 00:06:02,599 Speaker 4: think I started to adapt to that environment and I 137 00:06:02,720 --> 00:06:04,440 Speaker 4: just wasn't around people who played the lot like I'm 138 00:06:04,440 --> 00:06:06,880 Speaker 4: pretty sure if my environment was surrounded by that. But 139 00:06:07,040 --> 00:06:09,919 Speaker 4: I was in an environment of people who invested, and 140 00:06:10,000 --> 00:06:14,080 Speaker 4: so I'm watching millionaires and billionaires and that'st their money, 141 00:06:14,120 --> 00:06:16,120 Speaker 4: so that's what I'm doing. So I think it's just 142 00:06:16,440 --> 00:06:19,400 Speaker 4: I am a product of the environment I was in 143 00:06:19,640 --> 00:06:22,960 Speaker 4: post Howard University and so much that you can't tell 144 00:06:22,960 --> 00:06:24,880 Speaker 4: me I'm not going to be a billion dollar CEO 145 00:06:25,040 --> 00:06:28,560 Speaker 4: because I'm around billionaires. I'm in their bank accounts, showing wealthy, 146 00:06:28,640 --> 00:06:30,800 Speaker 4: wealthy people how to protect their money, how to preserve it, 147 00:06:30,839 --> 00:06:33,800 Speaker 4: how to grow it. And I'm literally like, successful these clues, 148 00:06:33,839 --> 00:06:36,720 Speaker 4: I'm going to follow the blueprint. So I just wasn't 149 00:06:36,760 --> 00:06:38,919 Speaker 4: always around it, so I can't say that if I was, 150 00:06:38,960 --> 00:06:41,720 Speaker 4: I wouldn't. But in reality, I have the power in 151 00:06:41,720 --> 00:06:44,040 Speaker 4: my mind to create whatever it is I want to do, 152 00:06:44,320 --> 00:06:45,640 Speaker 4: however it comes to me. 153 00:06:45,800 --> 00:06:49,240 Speaker 3: So I love that. So talk about that blueprint. 154 00:06:49,279 --> 00:06:53,040 Speaker 1: What is the blueprint that you have learned and seen 155 00:06:53,120 --> 00:06:56,960 Speaker 1: from advising billionaires and millionaires on their path forward to 156 00:06:57,080 --> 00:06:58,480 Speaker 1: financial success and wealth? 157 00:06:58,960 --> 00:06:59,880 Speaker 3: What is that blueprint? 158 00:07:00,000 --> 00:07:01,520 Speaker 4: I think the first thing is you have to get 159 00:07:01,520 --> 00:07:03,800 Speaker 4: really clear on what you want. I think sometimes we 160 00:07:03,880 --> 00:07:06,400 Speaker 4: are afraid to dream because we base our future on 161 00:07:06,440 --> 00:07:09,159 Speaker 4: our current reality. So despite where you are, what you 162 00:07:09,200 --> 00:07:11,200 Speaker 4: look like, how much money or your credit score? 163 00:07:11,480 --> 00:07:13,080 Speaker 2: What do you want life to look like? 164 00:07:13,440 --> 00:07:16,240 Speaker 4: And so then reverse engineering get so we sat here 165 00:07:16,280 --> 00:07:18,160 Speaker 4: and think, Okay, how much money do I want coming 166 00:07:18,200 --> 00:07:20,600 Speaker 4: in every single month, whether I choose to work or 167 00:07:20,680 --> 00:07:23,560 Speaker 4: I don't want to work, how much is that? And 168 00:07:23,640 --> 00:07:25,560 Speaker 4: then getting to a point where you accept how much 169 00:07:25,600 --> 00:07:28,320 Speaker 4: money you have and make a decision to pay yourself. 170 00:07:28,360 --> 00:07:30,600 Speaker 2: When I say pay yourself, that doesn't mean using a 171 00:07:30,640 --> 00:07:31,360 Speaker 2: savings account. 172 00:07:31,520 --> 00:07:35,160 Speaker 4: That means investing it, giving yourself the opportunity to grow 173 00:07:35,200 --> 00:07:37,000 Speaker 4: your network. And so one of the biggest things I 174 00:07:37,040 --> 00:07:40,120 Speaker 4: saw on Wall Street investing was a standard right like 175 00:07:40,320 --> 00:07:44,280 Speaker 4: they had multiple accounts connected to different goals. So when 176 00:07:44,320 --> 00:07:45,960 Speaker 4: I started working, I had a checking account and I 177 00:07:45,960 --> 00:07:47,760 Speaker 4: had a saving as account. But I'm in these bank 178 00:07:47,760 --> 00:07:51,400 Speaker 4: accounts and they have multiple accounts with multiple titles for 179 00:07:51,480 --> 00:07:54,800 Speaker 4: multiple reasons. And so I started to open accounts for 180 00:07:54,920 --> 00:07:57,760 Speaker 4: different purposes. So this is the account that I have 181 00:07:57,920 --> 00:07:59,880 Speaker 4: where I'm going to buy my house, This is my 182 00:08:00,160 --> 00:08:02,520 Speaker 4: travel the world account, this is my I am built 183 00:08:02,520 --> 00:08:03,800 Speaker 4: for this account just. 184 00:08:03,720 --> 00:08:05,080 Speaker 2: In case something were to happen. 185 00:08:05,600 --> 00:08:07,960 Speaker 4: So I started to separate my money based off of 186 00:08:08,000 --> 00:08:10,600 Speaker 4: the purpose and the goal. So every account number you 187 00:08:10,600 --> 00:08:13,520 Speaker 4: have should be in alignment with a desire, a goal 188 00:08:13,560 --> 00:08:16,120 Speaker 4: that you have. And then also paying myself. And when 189 00:08:16,120 --> 00:08:18,400 Speaker 4: I say pay myself, I'm investing in my brokers account. 190 00:08:18,400 --> 00:08:20,640 Speaker 4: And I know you mentioned like your retirement account. You 191 00:08:20,720 --> 00:08:24,160 Speaker 4: have to really think about where you're going to need money, 192 00:08:24,320 --> 00:08:26,280 Speaker 4: when you're going to need it, and why you're going 193 00:08:26,320 --> 00:08:28,320 Speaker 4: to need it. Right, So I'm thirty six years old, 194 00:08:28,440 --> 00:08:31,640 Speaker 4: the government sells us to work until where sixty sixty 195 00:08:31,640 --> 00:08:34,080 Speaker 4: five years old and then wait for Social Security. 196 00:08:34,080 --> 00:08:35,400 Speaker 2: I mean, we also grew up in an era. I 197 00:08:35,440 --> 00:08:37,520 Speaker 2: know I did. You talked to go to school, get 198 00:08:37,520 --> 00:08:37,920 Speaker 2: the job. 199 00:08:38,080 --> 00:08:40,080 Speaker 4: You get the job, and you pay for school, and 200 00:08:40,120 --> 00:08:42,560 Speaker 4: if you're special, you get a government job. And we 201 00:08:42,679 --> 00:08:46,120 Speaker 4: now know nowadays government jobs aren't even safe. Right, So 202 00:08:46,480 --> 00:08:49,719 Speaker 4: we can't just rely on that college degree and then 203 00:08:49,760 --> 00:08:52,880 Speaker 4: just sitting mountains of debt. We have to do something more. 204 00:08:53,200 --> 00:08:55,600 Speaker 4: And so my more was yes, I had a job. 205 00:08:55,720 --> 00:08:58,000 Speaker 4: My more was yes I set money aside for saving. 206 00:08:58,280 --> 00:09:01,240 Speaker 4: But my more was also investing in these companies that 207 00:09:01,280 --> 00:09:04,880 Speaker 4: are literally making millionaires and billionaires every day, and their 208 00:09:04,920 --> 00:09:08,520 Speaker 4: network is growing because I'm consuming their products right, and 209 00:09:08,559 --> 00:09:11,040 Speaker 4: so really opening a brokerage account, which there is no 210 00:09:11,200 --> 00:09:14,560 Speaker 4: minimum requirement to start, and just starting with companies you know, 211 00:09:14,600 --> 00:09:16,800 Speaker 4: you use and believe in. And so I just saw 212 00:09:16,840 --> 00:09:19,400 Speaker 4: wealthy people investing in their brokerage account. I saw them 213 00:09:19,400 --> 00:09:22,160 Speaker 4: investing for their children in their brokerage account. So I said, look, 214 00:09:22,200 --> 00:09:24,280 Speaker 4: I'm gonna start with three hundred dollars. I'm going to 215 00:09:24,320 --> 00:09:27,440 Speaker 4: open a brokerage account, and I'm just going to start investing. 216 00:09:27,440 --> 00:09:30,080 Speaker 4: And that was literally years ago when I did this, 217 00:09:30,160 --> 00:09:32,520 Speaker 4: and I'm just continuously growing. And the other thing I 218 00:09:32,520 --> 00:09:36,080 Speaker 4: would say, as you make more, you pay yourself more. 219 00:09:36,280 --> 00:09:38,880 Speaker 4: So while you might start with twenty dollars a month, 220 00:09:39,280 --> 00:09:42,040 Speaker 4: let's say every ninety days you now at you put 221 00:09:42,080 --> 00:09:44,920 Speaker 4: twenty five a month, you go to thirty dollars a month, 222 00:09:44,920 --> 00:09:47,600 Speaker 4: and let's say you get that bonus. So I started 223 00:09:47,679 --> 00:09:50,920 Speaker 4: with three hundred dollars, but every time I grew or 224 00:09:50,960 --> 00:09:54,680 Speaker 4: my income grew, I invested more, so much that investing 225 00:09:54,760 --> 00:09:56,960 Speaker 4: no longer was just an option. 226 00:09:57,120 --> 00:09:58,319 Speaker 2: It was like a bill. 227 00:09:58,080 --> 00:10:00,800 Speaker 4: That I paid every single month, the same way I 228 00:10:00,840 --> 00:10:03,439 Speaker 4: pay my cell phone bill or my car note. I'm 229 00:10:03,480 --> 00:10:06,920 Speaker 4: actually paying Ashley so much that if Ashley never makes 230 00:10:06,960 --> 00:10:09,679 Speaker 4: money again, at least she has something working for her 231 00:10:09,720 --> 00:10:10,280 Speaker 4: on the side. 232 00:10:10,320 --> 00:10:11,480 Speaker 2: And I think that's what we need. 233 00:10:11,400 --> 00:10:14,680 Speaker 4: To do, just starting with what we have, but getting 234 00:10:14,679 --> 00:10:16,640 Speaker 4: to the destination of who we want to be and 235 00:10:16,640 --> 00:10:17,920 Speaker 4: who we ultimately deserve to be. 236 00:10:19,120 --> 00:10:22,280 Speaker 1: I want to say this as a lawyer. Ashley is 237 00:10:22,320 --> 00:10:25,160 Speaker 1: not giving any of y'all financial advice. She is talking 238 00:10:25,200 --> 00:10:28,120 Speaker 1: about her own experience and sharing her journey. If you 239 00:10:28,240 --> 00:10:30,120 Speaker 1: try it at home, you try it at home, but 240 00:10:30,160 --> 00:10:31,800 Speaker 1: it is not on her one way or the other. 241 00:10:31,880 --> 00:10:33,439 Speaker 3: If you win and lose or draw. 242 00:10:33,800 --> 00:10:36,560 Speaker 1: So, Ashley, I want to also ask you about this 243 00:10:36,600 --> 00:10:39,720 Speaker 1: because I think this is some of what happens for people, 244 00:10:39,760 --> 00:10:43,520 Speaker 1: and I'll actually own this. You're talking about a brokerage account. 245 00:10:43,679 --> 00:10:48,560 Speaker 1: I talked about a retirement fund the video that we 246 00:10:48,600 --> 00:10:51,520 Speaker 1: showed earlier. You talked about investing in some of the 247 00:10:51,559 --> 00:10:53,880 Speaker 1: companies that we know we buy bags from and kind 248 00:10:53,920 --> 00:10:55,400 Speaker 1: of luxury items. 249 00:10:55,880 --> 00:10:57,600 Speaker 3: Where do you think is the on ramp? 250 00:10:57,800 --> 00:11:01,240 Speaker 1: Like do people start with like an eye roth ira 251 00:11:02,200 --> 00:11:04,600 Speaker 1: to get started? Do they start with this twenty dollars 252 00:11:04,640 --> 00:11:07,400 Speaker 1: twenty five dollars set aside plan? Do they go get 253 00:11:07,440 --> 00:11:10,839 Speaker 1: a life insurance policy? If you're a young professional. I'm 254 00:11:10,840 --> 00:11:12,920 Speaker 1: not young anywhere. But if you're a young professional in 255 00:11:12,920 --> 00:11:15,280 Speaker 1: this space starting out, where do you recommend people start. 256 00:11:15,559 --> 00:11:16,800 Speaker 2: So it's a couple things. 257 00:11:16,800 --> 00:11:19,000 Speaker 4: So the first thing most people know is their retirement 258 00:11:19,040 --> 00:11:20,960 Speaker 4: account at their job. So you're four to one K, 259 00:11:21,080 --> 00:11:24,559 Speaker 4: four to three B, and I recommend getting that account now. 260 00:11:24,600 --> 00:11:26,560 Speaker 2: While you can't touch it till fifty nine and a half, 261 00:11:26,880 --> 00:11:27,520 Speaker 2: you want to. 262 00:11:27,440 --> 00:11:30,000 Speaker 4: Get that account because one, they're automatically taking money from 263 00:11:30,000 --> 00:11:32,080 Speaker 4: your check. I would challenge you to know the type 264 00:11:32,080 --> 00:11:34,920 Speaker 4: of investments the mutual funds in there. But if your 265 00:11:35,000 --> 00:11:38,160 Speaker 4: company matches you, that is a return on an investment. 266 00:11:38,240 --> 00:11:40,360 Speaker 4: That is free money. And that's one of the things 267 00:11:40,400 --> 00:11:42,400 Speaker 4: I did when I worked on Wall Street. I was 268 00:11:42,440 --> 00:11:45,880 Speaker 4: investing what they were willing to contribute. That is free money. Now, 269 00:11:45,920 --> 00:11:48,520 Speaker 4: although it is that long term strategy, if you are 270 00:11:48,640 --> 00:11:51,160 Speaker 4: let's say you're under forty or your thirties or your twenties, 271 00:11:51,400 --> 00:11:53,360 Speaker 4: if you don't want to wait till sixty to retire, 272 00:11:53,640 --> 00:11:54,920 Speaker 4: retirement is not an age. 273 00:11:54,960 --> 00:11:55,840 Speaker 2: It's a dollar amount. 274 00:11:56,200 --> 00:11:59,040 Speaker 4: So now I'm thinking, okay, yes, I'm setting money aside 275 00:11:59,080 --> 00:12:01,280 Speaker 4: for sixty and I'm in my twenties. I want to 276 00:12:01,320 --> 00:12:04,680 Speaker 4: retire at forty, so getting a brokerage account allows you 277 00:12:04,800 --> 00:12:08,920 Speaker 4: allows that flexibility. There's no age requirement, there's no minimum 278 00:12:09,000 --> 00:12:12,480 Speaker 4: or maximum to start with, and you're not penalized just 279 00:12:12,520 --> 00:12:14,680 Speaker 4: in case you need the money, so you're able to 280 00:12:14,720 --> 00:12:17,520 Speaker 4: start small, bill big. And those retirement accounts they have 281 00:12:17,600 --> 00:12:21,440 Speaker 4: income limitations, they have age restrictions, and their penalties. 282 00:12:21,000 --> 00:12:21,920 Speaker 2: If you try to withdraw. 283 00:12:22,120 --> 00:12:24,680 Speaker 4: Not that it's bad, but you have to understand every 284 00:12:24,720 --> 00:12:27,400 Speaker 4: account you have is for a different purpose and for 285 00:12:27,480 --> 00:12:29,760 Speaker 4: a different season in your life. And the reason why 286 00:12:29,760 --> 00:12:31,880 Speaker 4: I like brokerage accounts is because you have flexibility. 287 00:12:31,960 --> 00:12:34,440 Speaker 2: Right Like, I've been kicked out of places before. 288 00:12:34,440 --> 00:12:37,080 Speaker 4: When I left my Wall Street job, I got kicked 289 00:12:37,080 --> 00:12:39,480 Speaker 4: out of my Harlem apartment and I maxed out every 290 00:12:39,520 --> 00:12:41,760 Speaker 4: all my credit cards eighty thousand dollars in debt. 291 00:12:41,920 --> 00:12:43,120 Speaker 2: But I had the stocks in. 292 00:12:43,080 --> 00:12:45,760 Speaker 4: My investment account and I sold those and that's how 293 00:12:45,800 --> 00:12:47,920 Speaker 4: I was able to build my company Implify. There were 294 00:12:47,960 --> 00:12:49,640 Speaker 4: times where I had to sell my stocks to make 295 00:12:49,720 --> 00:12:53,160 Speaker 4: payroll in my business. So you have the flexibility to withdraw, 296 00:12:53,720 --> 00:12:56,720 Speaker 4: whereas your retirement accounts are just that set for you 297 00:12:56,800 --> 00:12:59,679 Speaker 4: to retirement. So I'm planning for my life now and 298 00:12:59,760 --> 00:13:02,040 Speaker 4: life and you want to be able to do both. Now, 299 00:13:02,080 --> 00:13:05,320 Speaker 4: when it comes to life insurance, that is more so, 300 00:13:05,640 --> 00:13:07,960 Speaker 4: how can I set my family up? That's the number 301 00:13:08,000 --> 00:13:10,200 Speaker 4: one reason you would get life insurance if you have 302 00:13:10,320 --> 00:13:12,040 Speaker 4: family that you want to pass down wealth to. And 303 00:13:12,040 --> 00:13:14,920 Speaker 4: I think everybody I encourage to put yourself in that 304 00:13:14,960 --> 00:13:17,920 Speaker 4: position to take care of your family regards, especially if 305 00:13:18,000 --> 00:13:18,719 Speaker 4: your family. 306 00:13:18,480 --> 00:13:19,160 Speaker 2: Is dependent on you. 307 00:13:19,280 --> 00:13:21,520 Speaker 4: But there's other life insurance policies where you can build 308 00:13:21,600 --> 00:13:24,800 Speaker 4: wealth and extract that money while you're alive. But it's 309 00:13:24,800 --> 00:13:27,720 Speaker 4: a case by case basis, so depending on your age, 310 00:13:27,760 --> 00:13:31,400 Speaker 4: your health, your income. A brokerage account has no color, 311 00:13:31,640 --> 00:13:34,520 Speaker 4: has no credit score, has no gender. It looks like 312 00:13:34,559 --> 00:13:36,959 Speaker 4: all of us. We can build wealth, and we can 313 00:13:37,000 --> 00:13:39,360 Speaker 4: do so with a brokerage account. So whether it's my 314 00:13:39,400 --> 00:13:41,680 Speaker 4: eight year old niece who has a brokerage account, whether 315 00:13:41,679 --> 00:13:44,760 Speaker 4: it's somebody who's in their sixties or their seventies, it's 316 00:13:44,800 --> 00:13:48,120 Speaker 4: one of the most easiest ways to start with as 317 00:13:48,240 --> 00:13:51,120 Speaker 4: little but just in case you need it, it's liquid 318 00:13:51,200 --> 00:13:53,280 Speaker 4: enough for you to be able to withdraw without any 319 00:13:53,320 --> 00:13:54,679 Speaker 4: major rules or restrictions. 320 00:13:55,960 --> 00:14:00,280 Speaker 1: So with the brokerage account, are there certain companies that 321 00:14:00,360 --> 00:14:02,560 Speaker 1: you like ranked and you check like these are the 322 00:14:02,720 --> 00:14:05,800 Speaker 1: best companies to do a brokerage account with? And why 323 00:14:05,920 --> 00:14:09,720 Speaker 1: and explain for people at home what is a brokerage account? 324 00:14:09,760 --> 00:14:12,280 Speaker 4: So brokerage account is simple. It connects the buyer of 325 00:14:12,320 --> 00:14:15,720 Speaker 4: an investment to the seller. It takes five minutes opening accounts. 326 00:14:15,720 --> 00:14:18,480 Speaker 4: You don't learn anything from this session. If you aren't investing, 327 00:14:18,600 --> 00:14:21,720 Speaker 4: at least get a brokerage account right now. When you 328 00:14:21,800 --> 00:14:24,960 Speaker 4: open a brokerage account as an individual, you want to 329 00:14:25,000 --> 00:14:27,800 Speaker 4: make sure that you know how much you want to 330 00:14:27,840 --> 00:14:31,080 Speaker 4: start with. But I come from a Wall Street background, 331 00:14:31,120 --> 00:14:33,760 Speaker 4: so when I started investing in twenty eleven twenty twelve, 332 00:14:33,760 --> 00:14:36,040 Speaker 4: a lot of the new apps didn't exist. They weren't 333 00:14:36,040 --> 00:14:38,840 Speaker 4: talking about finance on social So the accounts that I 334 00:14:38,920 --> 00:14:41,120 Speaker 4: use are accounts I see the millionaires a billionaires using. 335 00:14:41,160 --> 00:14:43,400 Speaker 4: So when it comes to just even the members inside 336 00:14:43,400 --> 00:14:47,160 Speaker 4: of our WB app, I like Fidelity, I like Charles Schwab, I. 337 00:14:47,120 --> 00:14:48,680 Speaker 2: Like Vanguard, I like E Trade. 338 00:14:49,360 --> 00:14:53,040 Speaker 4: Now, if you're starting small, both Smart small meeting let's 339 00:14:53,040 --> 00:14:56,120 Speaker 4: say fifty dollars or less. Fidelity and Charles Schwab lets 340 00:14:56,160 --> 00:14:59,240 Speaker 4: you buy fractional shares, and fractional shares mean if the 341 00:14:59,280 --> 00:15:01,640 Speaker 4: share is the the cost of the stock, the investment 342 00:15:01,640 --> 00:15:04,359 Speaker 4: you would make is one hundred dollars, but you only. 343 00:15:04,120 --> 00:15:06,800 Speaker 2: Have fifty, you're able to get a half of a share. 344 00:15:07,040 --> 00:15:09,800 Speaker 2: Both Fidelity and Charles Schwab allow you to do that. 345 00:15:10,080 --> 00:15:12,520 Speaker 4: I'm also the type of person when you have my money, 346 00:15:12,520 --> 00:15:14,280 Speaker 4: I like to call you at two o'clock in the morning. 347 00:15:14,600 --> 00:15:16,680 Speaker 4: I like to be able to have that customer service 348 00:15:16,680 --> 00:15:19,240 Speaker 4: access at twenty four to seven support. Now that's not 349 00:15:19,280 --> 00:15:21,080 Speaker 4: to say the newer apps are bad. You'll never hear 350 00:15:21,120 --> 00:15:23,520 Speaker 4: me talk bad about a person or a company. It's 351 00:15:23,680 --> 00:15:26,000 Speaker 4: just they're just new, so they might not have the 352 00:15:26,000 --> 00:15:28,640 Speaker 4: customer support, they might not have the access or all 353 00:15:28,640 --> 00:15:31,240 Speaker 4: the features. But those are the top accounts that I use, 354 00:15:31,360 --> 00:15:34,120 Speaker 4: My family use, the members inside of our app use, 355 00:15:33,920 --> 00:15:37,080 Speaker 4: those are the companies that you can utilize. Now, again, 356 00:15:37,240 --> 00:15:39,200 Speaker 4: it doesn't mean the newer apps are bad. They just 357 00:15:39,280 --> 00:15:42,200 Speaker 4: might not have all the features and benefits, but they 358 00:15:42,280 --> 00:15:43,600 Speaker 4: serve the same purpose for you. 359 00:15:54,360 --> 00:15:56,920 Speaker 1: Okay, what about crypto. So there's been this kind of 360 00:15:56,960 --> 00:16:00,960 Speaker 1: crypto boom. People are like, oh, okay, well I don't 361 00:16:00,960 --> 00:16:03,640 Speaker 1: need to invest in stock now because now there's this 362 00:16:04,200 --> 00:16:07,040 Speaker 1: there's bitcoin and there's all of this stuff there. 363 00:16:07,160 --> 00:16:09,440 Speaker 3: People buy trump Coin. 364 00:16:09,520 --> 00:16:12,120 Speaker 1: Like there are all of these these entities, famous folks 365 00:16:12,120 --> 00:16:15,520 Speaker 1: who are coming up with their own cryptocurrency. What do 366 00:16:15,600 --> 00:16:19,480 Speaker 1: you say to folks who are relying now on crypto 367 00:16:19,560 --> 00:16:21,920 Speaker 1: to make their money quick? And all of the influencers 368 00:16:21,960 --> 00:16:25,280 Speaker 1: online who've talked about how rich they become on crypto. 369 00:16:25,400 --> 00:16:26,440 Speaker 2: So there's two things. 370 00:16:26,720 --> 00:16:29,320 Speaker 4: One, I'm not an expert in crypto, so I won't 371 00:16:29,320 --> 00:16:31,440 Speaker 4: even stay hearing a lot of you and tell you 372 00:16:31,440 --> 00:16:33,800 Speaker 4: what to buyer how to do it. The second thing, 373 00:16:33,800 --> 00:16:35,280 Speaker 4: I would say one of the words you said, and 374 00:16:35,320 --> 00:16:37,840 Speaker 4: you don't even realize you said it was quick. When 375 00:16:37,840 --> 00:16:40,160 Speaker 4: it comes to building wealth and just how I've learned 376 00:16:40,200 --> 00:16:42,560 Speaker 4: to do it, there is nobody that I worked with 377 00:16:42,600 --> 00:16:43,520 Speaker 4: that got rich quick. 378 00:16:43,880 --> 00:16:46,280 Speaker 2: And I think we for so long we may have 379 00:16:46,360 --> 00:16:47,280 Speaker 2: been without that. 380 00:16:47,360 --> 00:16:51,000 Speaker 4: Our desire to have money fast, we think that's what 381 00:16:51,000 --> 00:16:54,000 Speaker 4: we're gonna need, when in reality, you can't eat all 382 00:16:54,040 --> 00:16:57,000 Speaker 4: your food on a Thanksgiving plate quickly. So when it 383 00:16:57,000 --> 00:16:59,280 Speaker 4: comes to building wealth, this is a journey. That is, 384 00:16:59,440 --> 00:17:01,880 Speaker 4: it becomes a of who you are. Not saying that 385 00:17:01,960 --> 00:17:04,720 Speaker 4: crypto has not made people wealthy. I'm not here to 386 00:17:04,720 --> 00:17:07,200 Speaker 4: count anybody's pockets. But the one thing I can say 387 00:17:07,320 --> 00:17:10,159 Speaker 4: is not regulated. So if you are somebody who is 388 00:17:10,200 --> 00:17:12,960 Speaker 4: afraid of losing money or not being able to get 389 00:17:13,000 --> 00:17:15,240 Speaker 4: your money and things like that, it's not regulated. 390 00:17:15,280 --> 00:17:18,320 Speaker 2: It's so new that it's not regulated, not that it won't. 391 00:17:18,440 --> 00:17:20,920 Speaker 4: But just because something is sexy and it's hot doesn't 392 00:17:20,960 --> 00:17:23,000 Speaker 4: mean it's going to change your life right now and 393 00:17:23,119 --> 00:17:26,119 Speaker 4: might not satisfy your risk tolerance. So I can't speak 394 00:17:26,160 --> 00:17:28,239 Speaker 4: to how to do it, what to do, but I 395 00:17:28,280 --> 00:17:30,760 Speaker 4: can tell you that if you are not someone that 396 00:17:30,840 --> 00:17:33,800 Speaker 4: wants to take risk and you want regulation and you 397 00:17:33,840 --> 00:17:36,000 Speaker 4: want protection and all of that, it might not be 398 00:17:36,080 --> 00:17:38,640 Speaker 4: the best thing to start. Maybe as time progresses there'll 399 00:17:38,680 --> 00:17:41,520 Speaker 4: be a lot more regulation. But just because something is 400 00:17:41,560 --> 00:17:44,359 Speaker 4: sexy and hot the same day that is hot tomorrow, 401 00:17:44,560 --> 00:17:47,920 Speaker 4: everybody's talking bad about it. So but in reality, where 402 00:17:47,960 --> 00:17:50,879 Speaker 4: I spend my money and the companies I can't live without, 403 00:17:51,119 --> 00:17:54,119 Speaker 4: they've been around for years and I am more okay 404 00:17:54,240 --> 00:17:56,480 Speaker 4: investing at least in those as well as as an 405 00:17:56,520 --> 00:17:58,080 Speaker 4: Ashley Fox and in her business. 406 00:17:58,960 --> 00:18:00,440 Speaker 2: But it's not an area that I can and speak to. 407 00:18:00,560 --> 00:18:02,720 Speaker 4: But I can say, please be mindful of the risk 408 00:18:02,840 --> 00:18:05,679 Speaker 4: associated with something that is not regulated. 409 00:18:06,880 --> 00:18:07,480 Speaker 3: I love this. 410 00:18:07,560 --> 00:18:11,399 Speaker 1: So let's compare this kind of new market to your 411 00:18:11,560 --> 00:18:14,560 Speaker 1: career trajectory. So you left Wall Street and you started 412 00:18:14,640 --> 00:18:17,600 Speaker 1: your company. Yes, what do you say to people are like, well, 413 00:18:18,080 --> 00:18:20,720 Speaker 1: you went and started something new. You bet on yourself 414 00:18:20,760 --> 00:18:22,879 Speaker 1: and even if they don't use crypto, that's fine. But 415 00:18:22,960 --> 00:18:25,800 Speaker 1: you went and bet on yourself. What do you say to, 416 00:18:26,400 --> 00:18:29,679 Speaker 1: you know, a potential customer, a potential client that is like, well, 417 00:18:29,680 --> 00:18:32,000 Speaker 1: why should we bet on you? Since you also you 418 00:18:32,040 --> 00:18:35,720 Speaker 1: went to learn from an old, established thing, so old 419 00:18:36,160 --> 00:18:37,200 Speaker 1: JP Morgan Chase. 420 00:18:37,520 --> 00:18:40,359 Speaker 3: This is where I Bang Too benefited. 421 00:18:39,840 --> 00:18:41,880 Speaker 1: From the slave trade, right, we know that it's so 422 00:18:42,000 --> 00:18:43,960 Speaker 1: old that it benefited from the slave trade. But you 423 00:18:44,080 --> 00:18:46,359 Speaker 1: left and you went and you bet on yourself, even 424 00:18:46,359 --> 00:18:48,480 Speaker 1: pulling out money from your own stock investment. 425 00:18:49,880 --> 00:18:51,400 Speaker 4: So the first thing I would say before you bet 426 00:18:51,440 --> 00:18:53,880 Speaker 4: on Ashley, I need you to bet on you because 427 00:18:54,240 --> 00:18:56,760 Speaker 4: anything that my company Emplithy does, anything that you see 428 00:18:56,800 --> 00:18:59,399 Speaker 4: me teach on social media, things are not taught, They 429 00:18:59,440 --> 00:19:02,600 Speaker 4: are caught. You have to be ready to receive information 430 00:19:02,720 --> 00:19:04,719 Speaker 4: so I can pour all day into you. But if 431 00:19:04,760 --> 00:19:06,679 Speaker 4: you don't think you're worthy of a seat at the table, 432 00:19:06,880 --> 00:19:08,640 Speaker 4: and don't choose you first. 433 00:19:08,440 --> 00:19:09,480 Speaker 2: None of it is going to work. 434 00:19:10,280 --> 00:19:13,600 Speaker 4: But I can also say my I'm also not somebody 435 00:19:13,600 --> 00:19:15,360 Speaker 4: who just woke up one day like I think I'm 436 00:19:15,359 --> 00:19:19,600 Speaker 4: gonna teach finance, Like I went to Howard, majored in finance, 437 00:19:19,680 --> 00:19:21,800 Speaker 4: worked on Wall Street, been in this industry for over 438 00:19:21,840 --> 00:19:25,440 Speaker 4: sixteen years. And also everything that I teach, I do right. 439 00:19:25,480 --> 00:19:27,639 Speaker 4: So everything that I teach that whether you see me 440 00:19:27,680 --> 00:19:31,320 Speaker 4: on the internet, you're in our app, you're taking our classes. 441 00:19:31,600 --> 00:19:34,080 Speaker 4: Everything is what I do for myself and my family. 442 00:19:34,119 --> 00:19:36,360 Speaker 4: Because I'm not a fan of reading finance books. They're 443 00:19:36,400 --> 00:19:38,119 Speaker 4: kind of boring to me. So it's a lot easier 444 00:19:38,119 --> 00:19:40,720 Speaker 4: to speak from my heart and to talk about my experience. 445 00:19:41,200 --> 00:19:43,399 Speaker 4: But I also believe too, I know what it feels 446 00:19:43,480 --> 00:19:45,800 Speaker 4: like not to have money. Like while I was on 447 00:19:45,840 --> 00:19:48,159 Speaker 4: Wall Street, I was the only black female on my floor. 448 00:19:48,280 --> 00:19:50,399 Speaker 4: I was one of the lowest pay people on my floor, 449 00:19:50,760 --> 00:19:53,200 Speaker 4: making good money. But in reality, when you're in a 450 00:19:53,320 --> 00:19:57,560 Speaker 4: room of millionaires and billionaires and your annual salary is 451 00:19:57,600 --> 00:20:00,639 Speaker 4: the fee that they pay in hundreds of their mutue funds, 452 00:20:00,680 --> 00:20:03,040 Speaker 4: just one of them, I can tell you I know 453 00:20:03,040 --> 00:20:05,520 Speaker 4: what it feels like to notice like I'm not good enough. 454 00:20:05,640 --> 00:20:07,320 Speaker 4: I know what it feels like to quit my job, 455 00:20:07,359 --> 00:20:10,399 Speaker 4: to bet on Ashley, to lose everything, to then have 456 00:20:10,440 --> 00:20:12,439 Speaker 4: to go live in my parents' college for two years. 457 00:20:12,640 --> 00:20:14,320 Speaker 4: But the one thing that kept me going was I 458 00:20:14,480 --> 00:20:17,600 Speaker 4: could not unsee the wealth that Wall Street exposed me to. 459 00:20:17,920 --> 00:20:20,280 Speaker 2: So everything that I do is because of what I saw. 460 00:20:20,359 --> 00:20:22,760 Speaker 4: I'm pretty sure if I didn't see money, I wouldn't 461 00:20:22,800 --> 00:20:25,120 Speaker 4: believe we could create money. And so I just think 462 00:20:25,119 --> 00:20:29,159 Speaker 4: my experience is very diversified because not only can I 463 00:20:29,240 --> 00:20:30,879 Speaker 4: sit here and talk about a stock, we can sit 464 00:20:30,960 --> 00:20:33,959 Speaker 4: here and have an entire estate plan conversation because I 465 00:20:34,000 --> 00:20:36,400 Speaker 4: worked in asset management. So if you had at least 466 00:20:36,440 --> 00:20:38,840 Speaker 4: twenty five million dollars, you can't just go to a 467 00:20:38,920 --> 00:20:41,440 Speaker 4: regular bank. Right You're talking to hedge funds, You're talking 468 00:20:41,440 --> 00:20:45,040 Speaker 4: to private equity funds and state planners, capital advisors, investors. 469 00:20:45,200 --> 00:20:48,719 Speaker 4: There's an entire ecosystem that you need to surround your wealth. 470 00:20:49,080 --> 00:20:51,480 Speaker 4: And that's essentially when I left my Wall Street job, 471 00:20:51,840 --> 00:20:53,960 Speaker 4: I'm like, for something we're using every day, why is 472 00:20:53,960 --> 00:20:54,600 Speaker 4: it not taking. 473 00:20:54,480 --> 00:20:55,200 Speaker 2: Our school system. 474 00:20:55,640 --> 00:20:58,240 Speaker 4: You shouldn't have to major in finance work on Wall 475 00:20:58,240 --> 00:21:01,040 Speaker 4: Street to get this information. I didn't really start this 476 00:21:01,160 --> 00:21:03,720 Speaker 4: business to make money. I just found a way to 477 00:21:03,800 --> 00:21:05,639 Speaker 4: make money. But in reality, if I wanted to make 478 00:21:05,640 --> 00:21:07,560 Speaker 4: money out of stayed on Wall Street, and I wouldn't 479 00:21:07,560 --> 00:21:08,760 Speaker 4: have went through what I went through. 480 00:21:09,080 --> 00:21:10,800 Speaker 2: But I also know what it feels like to be 481 00:21:10,880 --> 00:21:11,840 Speaker 2: the people that I serve. 482 00:21:11,960 --> 00:21:14,479 Speaker 4: I know what it feels like to feel unworthy and 483 00:21:14,480 --> 00:21:16,879 Speaker 4: not have money and not be able to make credit 484 00:21:16,880 --> 00:21:20,280 Speaker 4: card payments because I'm trying to bet on myself. So 485 00:21:20,320 --> 00:21:23,520 Speaker 4: the return you see of Ashley Marie Fox today was 486 00:21:23,560 --> 00:21:25,879 Speaker 4: not the Ashley July twelve, twenty and thirteen when I 487 00:21:25,960 --> 00:21:28,800 Speaker 4: left my job. And I think it came from my 488 00:21:28,920 --> 00:21:30,880 Speaker 4: heart when I decided to do this, not. 489 00:21:30,960 --> 00:21:31,679 Speaker 2: To make money. 490 00:21:31,720 --> 00:21:34,800 Speaker 4: I just found a way to create wealth, showing the 491 00:21:34,800 --> 00:21:36,320 Speaker 4: world how they can do it as well too. 492 00:21:37,560 --> 00:21:38,120 Speaker 3: I love it. 493 00:21:38,280 --> 00:21:41,760 Speaker 1: I'm telling you now what I am doing while we're here. 494 00:21:41,920 --> 00:21:43,760 Speaker 1: In case you're like, what are you doing? Looking down? 495 00:21:44,200 --> 00:21:49,600 Speaker 1: I'm on your page unemplified and it can provide a 496 00:21:49,640 --> 00:21:54,480 Speaker 1: wealth Builder membership, and I'm getting that annual membership. Now 497 00:21:54,560 --> 00:21:57,880 Speaker 1: I'm betting on myself and the lottery. Hey, I normally 498 00:21:57,920 --> 00:21:59,639 Speaker 1: don't pay. You know what's so funny? You talk We 499 00:21:59,640 --> 00:22:02,600 Speaker 1: talked to about the lottery earlier, and I said, and 500 00:22:02,640 --> 00:22:04,480 Speaker 1: you were like, I'm not around people who played lottery. 501 00:22:04,520 --> 00:22:06,040 Speaker 1: My dad played the lottery so much. I'd be like, 502 00:22:06,080 --> 00:22:10,320 Speaker 1: you won the lottery right now, right, And I don't 503 00:22:10,359 --> 00:22:13,440 Speaker 1: know what it's been lately, Ashley, this dog gone powerball 504 00:22:13,600 --> 00:22:16,080 Speaker 1: meant so high. I'm like, okay, I didn't played twice 505 00:22:16,280 --> 00:22:18,200 Speaker 1: and that's the first time in my life. I literally 506 00:22:18,240 --> 00:22:19,760 Speaker 1: was on the phone my friend like what am I. 507 00:22:19,640 --> 00:22:22,400 Speaker 3: Supposed to ask for? Like I really didn't even know. 508 00:22:22,800 --> 00:22:25,240 Speaker 1: So I want to just I want you to know 509 00:22:25,320 --> 00:22:27,439 Speaker 1: that too, Like it's not normal for me, but I 510 00:22:27,480 --> 00:22:29,639 Speaker 1: do want to bet on myself. So you have an 511 00:22:29,680 --> 00:22:34,359 Speaker 1: annual membership for Implify, and I'm going I'm subscribing right now. 512 00:22:34,840 --> 00:22:37,360 Speaker 1: I got a code that was SI. So that's how 513 00:22:37,400 --> 00:22:40,560 Speaker 1: I'm investing in myself going into twenty twenty six. How 514 00:22:40,640 --> 00:22:44,119 Speaker 1: else would you encourage people who are watching to invest 515 00:22:44,160 --> 00:22:47,520 Speaker 1: in themselves, invest in their families, invest in their communities. 516 00:22:47,880 --> 00:22:50,120 Speaker 4: I think it's just about time we make this a standard. 517 00:22:50,359 --> 00:22:52,480 Speaker 4: I think we let go of the fear, we let 518 00:22:52,600 --> 00:22:54,360 Speaker 4: I mean, we live in a time where, like you said, 519 00:22:54,359 --> 00:22:57,160 Speaker 4: it's uncertain, but at the end of the day, I'm 520 00:22:57,200 --> 00:22:59,080 Speaker 4: not about to let let the next three four years 521 00:22:59,119 --> 00:23:01,359 Speaker 4: go by and be dictate what I see in the media. 522 00:23:01,520 --> 00:23:04,960 Speaker 4: Nobody has paid off my dad, nobody has started my business. 523 00:23:05,080 --> 00:23:06,960 Speaker 4: At the end of the day, the only person coming 524 00:23:07,000 --> 00:23:09,439 Speaker 4: to save us is the person in the mirror. And 525 00:23:09,520 --> 00:23:12,360 Speaker 4: until you start loving the person in the mirror, nothing 526 00:23:12,480 --> 00:23:14,879 Speaker 4: is going to change. Because it is possible for us 527 00:23:14,880 --> 00:23:17,080 Speaker 4: to create wealth. We are at the center of the 528 00:23:17,119 --> 00:23:19,400 Speaker 4: stock market. If we don't spend any money at all, 529 00:23:20,160 --> 00:23:22,359 Speaker 4: there is no market, there is no company, there is 530 00:23:22,400 --> 00:23:24,760 Speaker 4: no billionaire. So in reality, I'm not telling you you 531 00:23:24,800 --> 00:23:26,919 Speaker 4: have to go build a billion dollar business, but I 532 00:23:26,960 --> 00:23:28,520 Speaker 4: can tell you that if you choose to live in 533 00:23:28,520 --> 00:23:30,960 Speaker 4: this country, there are ways for you to build wealth 534 00:23:30,960 --> 00:23:33,320 Speaker 4: where you don't have to just be dependent on your job. 535 00:23:33,560 --> 00:23:35,480 Speaker 2: But you have to understand you can't work or save 536 00:23:35,520 --> 00:23:36,160 Speaker 2: your way to wealth. 537 00:23:36,359 --> 00:23:39,359 Speaker 4: The times are different, you are different, and you have 538 00:23:39,480 --> 00:23:41,399 Speaker 4: to let go of the fact that you're behind. 539 00:23:41,680 --> 00:23:42,720 Speaker 2: You have to let go of the. 540 00:23:42,680 --> 00:23:45,280 Speaker 4: Fact that you can't do this, or that is scared 541 00:23:45,520 --> 00:23:49,119 Speaker 4: or everybody's trying to scam me, like you cannot afford 542 00:23:49,560 --> 00:23:51,560 Speaker 4: to not be better with your money at this point, 543 00:23:51,560 --> 00:23:55,240 Speaker 4: because we cannot rely on anybody. But ourselves and especially 544 00:23:55,320 --> 00:23:57,359 Speaker 4: those of you who have families like we have to 545 00:23:57,359 --> 00:23:59,760 Speaker 4: set the standard of what what wealth looks like. 546 00:23:59,720 --> 00:24:01,800 Speaker 2: In our community. We have to start talking about it 547 00:24:01,840 --> 00:24:02,560 Speaker 2: at the dinner table. 548 00:24:02,640 --> 00:24:05,800 Speaker 4: We have to start embodying, embodying it, talking about it, 549 00:24:05,840 --> 00:24:09,080 Speaker 4: immersing ourselves in this language so that we understand what 550 00:24:09,320 --> 00:24:10,520 Speaker 4: moves this economy. 551 00:24:10,760 --> 00:24:12,720 Speaker 2: And I think once you understand that it's a game 552 00:24:13,160 --> 00:24:13,440 Speaker 2: and that. 553 00:24:13,480 --> 00:24:15,439 Speaker 4: You are the star player on the court, but you 554 00:24:15,560 --> 00:24:18,640 Speaker 4: know the rules, it's a lot easier for you to maneuver. 555 00:24:19,119 --> 00:24:20,679 Speaker 4: Just let go of the fact that you have to 556 00:24:20,680 --> 00:24:23,520 Speaker 4: have it all together. Every day I wake up trying 557 00:24:23,560 --> 00:24:26,000 Speaker 4: to figure it out. I too feel like I want 558 00:24:26,000 --> 00:24:29,119 Speaker 4: to be in a better place financially. But you also 559 00:24:29,119 --> 00:24:31,320 Speaker 4: have to accept the fact you did your best. You 560 00:24:31,400 --> 00:24:34,760 Speaker 4: did not come for money, you weren't blessed with this information. 561 00:24:34,800 --> 00:24:37,400 Speaker 4: It's not taught in our school system. But you did 562 00:24:37,400 --> 00:24:40,160 Speaker 4: your best. All I'm asking in twenty twenty six bet 563 00:24:40,200 --> 00:24:43,119 Speaker 4: on you this time? How about you fill your cup 564 00:24:43,359 --> 00:24:45,960 Speaker 4: and say, look, I'm paying me and I'm okay if 565 00:24:45,960 --> 00:24:48,639 Speaker 4: it's ten dollars. But I know if I start today, 566 00:24:48,720 --> 00:24:50,639 Speaker 4: the next five ten years of my life will be 567 00:24:50,680 --> 00:24:54,040 Speaker 4: totally different because we worked all these years, we worked ten, fifteen, 568 00:24:54,080 --> 00:24:55,280 Speaker 4: twenty thirty forty years. 569 00:24:55,400 --> 00:24:58,720 Speaker 2: How about we just pay ourselves for one just one year? 570 00:24:59,040 --> 00:24:59,720 Speaker 3: About we just. 571 00:24:59,640 --> 00:25:03,159 Speaker 4: Pay ourselves and create the habit of somebody who's a 572 00:25:03,160 --> 00:25:03,760 Speaker 4: wealth builder. 573 00:25:05,359 --> 00:25:07,800 Speaker 3: I love it. I wish that this had apple pae. 574 00:25:07,880 --> 00:25:12,560 Speaker 1: I'm doing this right now, trying to. 575 00:25:12,600 --> 00:25:14,920 Speaker 3: Hurry up and get this right. I'm being a wealth builder. 576 00:25:15,240 --> 00:25:16,520 Speaker 3: So let me ask you this. 577 00:25:17,160 --> 00:25:20,000 Speaker 1: If you were to tell someone you know that may 578 00:25:20,000 --> 00:25:25,200 Speaker 1: not have the money to be a wealth builder on emplify, 579 00:25:25,840 --> 00:25:29,080 Speaker 1: what are three things that people can do going into 580 00:25:29,160 --> 00:25:32,320 Speaker 1: twenty twenty six, especially if they're like, Okay, my financial 581 00:25:33,080 --> 00:25:37,440 Speaker 1: literacy is really illiteracy. The narrative I have around money 582 00:25:37,960 --> 00:25:41,720 Speaker 1: multi generationally and my family says that I'm supposed to 583 00:25:41,760 --> 00:25:44,320 Speaker 1: be broke or it looks like I'm going to end 584 00:25:44,400 --> 00:25:46,399 Speaker 1: up broke. What are the things that you say to 585 00:25:46,440 --> 00:25:48,560 Speaker 1: people to say like, no, that didn't have to be 586 00:25:48,600 --> 00:25:49,119 Speaker 1: your story. 587 00:25:49,440 --> 00:25:51,199 Speaker 2: So the first thing so everyone wish she's referring to. 588 00:25:51,240 --> 00:25:53,720 Speaker 4: We have a Wealth Buildings Community app, which is I 589 00:25:53,760 --> 00:25:56,760 Speaker 4: like to call like the Netflix of finance. It's where Angela, 590 00:25:56,800 --> 00:25:59,719 Speaker 4: You'll have access to over ten different boot camps from 591 00:25:59,720 --> 00:26:03,040 Speaker 4: buying your first stop to life insurance to retirement planning. 592 00:26:03,240 --> 00:26:04,639 Speaker 4: It's kind of like if you were to go to 593 00:26:04,680 --> 00:26:06,479 Speaker 4: a Harvard or finance where you can move at your 594 00:26:06,520 --> 00:26:09,280 Speaker 4: own pace and learn right. So it gives us in 595 00:26:09,320 --> 00:26:11,119 Speaker 4: the palm of your hand with the school system for 596 00:26:11,119 --> 00:26:13,280 Speaker 4: God to give us. Now, if in fact you are 597 00:26:13,320 --> 00:26:15,040 Speaker 4: not a member, there's a lot of free stuff you 598 00:26:15,119 --> 00:26:17,520 Speaker 4: can start with. The first thing is on social media. 599 00:26:17,560 --> 00:26:20,640 Speaker 4: I'm always teaching on social media, Underscore, Asking and Fox, but. 600 00:26:20,720 --> 00:26:22,840 Speaker 3: She is That's where I found her, y'all, That's where 601 00:26:22,840 --> 00:26:23,359 Speaker 3: I found her. 602 00:26:24,200 --> 00:26:26,119 Speaker 4: But also we have free classes, right, So if you 603 00:26:26,160 --> 00:26:31,440 Speaker 4: go to Amplify, emp Ify, dot Link, slash invest, there's 604 00:26:31,480 --> 00:26:34,320 Speaker 4: a free class helping you build your twenty twenty six glueprint, 605 00:26:34,680 --> 00:26:37,800 Speaker 4: starting from the basic to getting the first account open. 606 00:26:38,200 --> 00:26:41,680 Speaker 4: But just having those free resources I think helps as 607 00:26:41,680 --> 00:26:44,320 Speaker 4: you enter your way to getting better and more confident. 608 00:26:44,600 --> 00:26:47,320 Speaker 4: The other thing I would challenge everybody to do and 609 00:26:48,119 --> 00:26:50,840 Speaker 4: go look on the financial news, whether it's Yahoo, Finance, 610 00:26:50,880 --> 00:26:54,800 Speaker 4: CNBC and just find an article that intrigues you. Right, 611 00:26:54,960 --> 00:26:57,520 Speaker 4: I just challenge you twice a week because when you 612 00:26:57,560 --> 00:27:00,080 Speaker 4: think about becoming fluent in the language, you have to 613 00:27:00,200 --> 00:27:02,240 Speaker 4: read it. You have to speak it, you have to 614 00:27:02,280 --> 00:27:04,400 Speaker 4: be around people who are speaking it. 615 00:27:04,480 --> 00:27:05,439 Speaker 2: Or you can't be fluent. 616 00:27:06,000 --> 00:27:08,120 Speaker 4: So instead of trying to find complicated things to talk 617 00:27:08,160 --> 00:27:11,000 Speaker 4: about or read about, find an article about a company 618 00:27:11,040 --> 00:27:14,600 Speaker 4: you know, start to research, and start to immerse yourself 619 00:27:14,600 --> 00:27:16,439 Speaker 4: in the language of money. And the other thing I 620 00:27:16,440 --> 00:27:19,439 Speaker 4: would do is change your environment. Are you around people 621 00:27:19,760 --> 00:27:22,680 Speaker 4: who want to grow financially. Are you around people who 622 00:27:22,720 --> 00:27:25,919 Speaker 4: are committed to self development, Because sometimes you are a 623 00:27:25,920 --> 00:27:28,679 Speaker 4: product of your environment, and sometimes it takes you to 624 00:27:28,760 --> 00:27:30,840 Speaker 4: reach out to somebody to build that connection or to 625 00:27:30,840 --> 00:27:33,840 Speaker 4: put yourself in those uncomfortable spaces. I think one of 626 00:27:33,880 --> 00:27:35,800 Speaker 4: the best things that happened to me on Wall Street, 627 00:27:35,960 --> 00:27:38,200 Speaker 4: while I was the only black woman, while I did 628 00:27:38,200 --> 00:27:38,680 Speaker 4: feel not. 629 00:27:38,680 --> 00:27:41,479 Speaker 2: Good enough, it leveled my mindset up. 630 00:27:41,520 --> 00:27:44,360 Speaker 4: I started to travel because I'm around billionaires and I'm 631 00:27:44,400 --> 00:27:46,320 Speaker 4: seeing what they're doing with their money in life. And 632 00:27:46,359 --> 00:27:49,280 Speaker 4: so surround yourself in an environment that you might have 633 00:27:49,320 --> 00:27:52,040 Speaker 4: to go find. And I challenge you to control us 634 00:27:52,040 --> 00:27:54,520 Speaker 4: on your timeline, control us on your television, control what 635 00:27:54,560 --> 00:27:58,199 Speaker 4: you're reading, and allow yourself to become the person you 636 00:27:58,240 --> 00:28:00,280 Speaker 4: want to be. But sometimes you gotta let go with 637 00:28:00,320 --> 00:28:02,359 Speaker 4: who you used to be. To become the person you 638 00:28:02,400 --> 00:28:05,359 Speaker 4: deserve to be, and that's probably the hardest part. So 639 00:28:05,600 --> 00:28:07,840 Speaker 4: I would say surround yourself around a different group of 640 00:28:07,840 --> 00:28:10,320 Speaker 4: people and just immercer that. That's why we created our app, 641 00:28:10,359 --> 00:28:13,480 Speaker 4: because you can't talk about these things very rarely when 642 00:28:13,520 --> 00:28:15,879 Speaker 4: you find it on social media and you don't and 643 00:28:16,080 --> 00:28:18,560 Speaker 4: our families are not ready, and sometimes you have to 644 00:28:18,600 --> 00:28:21,280 Speaker 4: be the change maker in your family. You have to 645 00:28:21,280 --> 00:28:23,280 Speaker 4: be the one that starts the conversation. Like I was 646 00:28:23,320 --> 00:28:26,800 Speaker 4: the first person that opened the brokerage account for my family. 647 00:28:26,880 --> 00:28:29,359 Speaker 4: I got their life beloors, I got their brokerage account. 648 00:28:29,600 --> 00:28:32,600 Speaker 4: But I knew now they're doing it, but it took time. 649 00:28:32,640 --> 00:28:35,320 Speaker 4: But sometimes you have to be that person and sometimes 650 00:28:35,320 --> 00:28:37,600 Speaker 4: you have to do it alone. But I think those 651 00:28:37,600 --> 00:28:39,080 Speaker 4: are just some things that we can do. So there 652 00:28:39,080 --> 00:28:41,920 Speaker 4: are a lot of free resources Emplify, dot link, slash invest. 653 00:28:42,480 --> 00:28:44,280 Speaker 4: Also there's a ton of stuff on impify dot com 654 00:28:44,320 --> 00:28:48,680 Speaker 4: as well, But even outside of just emplify, you have 655 00:28:48,760 --> 00:28:49,120 Speaker 4: to make. 656 00:28:49,040 --> 00:28:53,880 Speaker 2: A choice this year and choose you choose wealth, choose possibility, 657 00:28:54,000 --> 00:28:56,840 Speaker 2: choose I don't want lack anymore. I want abundance and 658 00:28:56,880 --> 00:28:59,480 Speaker 2: that is something you deserve to have. But you have 659 00:28:59,600 --> 00:29:00,400 Speaker 2: to choose use. 660 00:29:00,280 --> 00:29:03,200 Speaker 4: Abundance, and it's not gonna be given to you. 661 00:29:03,200 --> 00:29:06,240 Speaker 1: You know what I love the most about this conversation today, Ashley, 662 00:29:06,480 --> 00:29:09,760 Speaker 1: is there's so much of what you said that sounds 663 00:29:09,880 --> 00:29:12,360 Speaker 1: exactly like what we tell people about getting involved in 664 00:29:12,360 --> 00:29:16,640 Speaker 1: the political process. And so this is an opportunity really 665 00:29:16,760 --> 00:29:19,920 Speaker 1: for me to embark on this journey, humble myself and 666 00:29:19,960 --> 00:29:22,760 Speaker 1: do the thing that I tell people to do about politics. 667 00:29:23,000 --> 00:29:27,120 Speaker 1: Just read something, just start somewhere, surround yourself in a community. 668 00:29:27,400 --> 00:29:29,480 Speaker 1: I'm surrounded by people that do well with money. But 669 00:29:29,520 --> 00:29:31,480 Speaker 1: it's the part of the conversation I'm like, ah, and 670 00:29:31,520 --> 00:29:35,440 Speaker 1: I tune out. So this, I think is this is good. 671 00:29:35,520 --> 00:29:38,760 Speaker 1: So hopefully you can check on me periodically. 672 00:29:38,160 --> 00:29:41,959 Speaker 3: And be like what you're doing doing all right over there? Yeah, i'mna, 673 00:29:41,960 --> 00:29:42,600 Speaker 3: I'm gonna check in. 674 00:29:42,600 --> 00:29:45,280 Speaker 1: I'mnna make sure my my my brokerage account is where 675 00:29:45,320 --> 00:29:47,320 Speaker 1: you say it needs to be. I'm gonna set aside money. 676 00:29:47,320 --> 00:29:50,400 Speaker 1: I'm gonna take your advice on what because I'm asking 677 00:29:50,400 --> 00:29:54,360 Speaker 1: you to give me some free advice on where to start, 678 00:29:54,440 --> 00:29:57,440 Speaker 1: and then you can hold me accountable to it. Yes, No, 679 00:29:57,720 --> 00:29:59,440 Speaker 1: I want to invest more than I spend. 680 00:29:59,480 --> 00:29:59,880 Speaker 3: Will be the go. 681 00:30:01,080 --> 00:30:04,040 Speaker 4: You just got to start investing. We'll get there, but 682 00:30:04,120 --> 00:30:04,840 Speaker 4: at least getting that. 683 00:30:05,080 --> 00:30:06,280 Speaker 3: And she said my bar too. 684 00:30:06,320 --> 00:30:10,640 Speaker 4: Hi, y'all, it's okay to spend. I like nice things, 685 00:30:10,640 --> 00:30:13,120 Speaker 4: but I invest in too. You don't have to choose 686 00:30:13,120 --> 00:30:15,360 Speaker 4: this or that. It's this and that. We don't have 687 00:30:15,400 --> 00:30:17,600 Speaker 4: to sacrifice. We just got to make more money. Like, 688 00:30:17,680 --> 00:30:20,440 Speaker 4: let's just let's do what we want, but let's just 689 00:30:20,560 --> 00:30:22,960 Speaker 4: choose you and pay you, because if not, we're always 690 00:30:23,000 --> 00:30:24,360 Speaker 4: going to feel like we're working for the rest of 691 00:30:24,360 --> 00:30:24,680 Speaker 4: our life. 692 00:30:24,760 --> 00:30:26,280 Speaker 2: So now it's son to just give your money a 693 00:30:26,360 --> 00:30:27,600 Speaker 2: job description. That's all. 694 00:30:28,680 --> 00:30:30,280 Speaker 3: Absolutely, I love it. 695 00:30:30,320 --> 00:30:33,000 Speaker 1: Well, thank you so much, Ashley in Fox y'all, she 696 00:30:33,200 --> 00:30:36,240 Speaker 1: runs implified, please go and check out the site yard 697 00:30:36,320 --> 00:30:38,080 Speaker 1: and signed up. I'm about to be in my little 698 00:30:38,080 --> 00:30:40,520 Speaker 1: boot camp and my stock boot camp. I'm gonna come back. 699 00:30:40,560 --> 00:30:43,560 Speaker 1: Sounded like a financial boss. It'll make sure I passed 700 00:30:43,600 --> 00:30:47,400 Speaker 1: Ashley's test first though. Thank you so so much. 701 00:30:47,480 --> 00:30:47,720 Speaker 3: Thank you. 702 00:30:47,800 --> 00:30:51,800 Speaker 1: I appreciate it bad to have it. Okay, everybody, welcome home. 703 00:30:51,920 --> 00:30:55,200 Speaker 1: I hope that y'all will join me on this journey. 704 00:30:55,240 --> 00:30:57,120 Speaker 1: I want to do better. I am too old to 705 00:30:57,160 --> 00:30:58,680 Speaker 1: be playing these kiddie games. 706 00:30:58,720 --> 00:30:59,520 Speaker 3: With my money. 707 00:31:00,120 --> 00:31:03,160 Speaker 1: So if your money's funny and ain't acting right, y'all 708 00:31:03,240 --> 00:31:05,320 Speaker 1: join me on this journey and let us figure out 709 00:31:05,320 --> 00:31:08,520 Speaker 1: a pathway to pay ourselves. As actually said, because we 710 00:31:08,640 --> 00:31:12,520 Speaker 1: deserve it. We deserve abundance and every good thing. So 711 00:31:12,640 --> 00:31:15,600 Speaker 1: let us take that spirit into twenty twenty six. 712 00:31:16,240 --> 00:31:19,440 Speaker 3: Let us start from wherever we are, and let us 713 00:31:19,520 --> 00:31:20,280 Speaker 3: just go. Y'all. 714 00:31:20,280 --> 00:31:22,880 Speaker 1: Set a little money aside, and let's invest it. I'm 715 00:31:22,920 --> 00:31:24,600 Speaker 1: trying to get better. I hope y'all will join me 716 00:31:24,640 --> 00:31:27,240 Speaker 1: in it. And if you're judging me, you can send 717 00:31:27,240 --> 00:31:28,800 Speaker 1: me a comment and tell me. If you're not and 718 00:31:28,840 --> 00:31:30,320 Speaker 1: you want to join the journey, you can tell me 719 00:31:30,360 --> 00:31:33,360 Speaker 1: and send a comment. If you just want to figure 720 00:31:33,360 --> 00:31:36,240 Speaker 1: this out together, you can send me a comment or 721 00:31:36,280 --> 00:31:38,120 Speaker 1: whatever it is. Let's go, y'all. We have a lot 722 00:31:38,160 --> 00:31:40,800 Speaker 1: to do and not a lot of time, so let's 723 00:31:40,800 --> 00:31:43,320 Speaker 1: get started. What are your twenty twenty six resolutions? I 724 00:31:43,320 --> 00:31:45,120 Speaker 1: want to hear about them. Send me those two. Send 725 00:31:45,120 --> 00:31:46,600 Speaker 1: me videos you don't we like videos? 726 00:31:46,680 --> 00:31:48,760 Speaker 3: Y'all? All right, welcome home, see you next time. 727 00:32:02,880 --> 00:32:06,320 Speaker 1: Native lampod is a production of iHeartRadio in partnership with 728 00:32:06,480 --> 00:32:10,320 Speaker 1: Reason Choice Media. For more podcasts, from iHeartRadio, visit the 729 00:32:10,360 --> 00:32:14,080 Speaker 1: iHeartRadio app, Apple podcasts, or wherever you listen to your 730 00:32:14,120 --> 00:32:14,800 Speaker 1: favorite shows.