1 00:00:02,520 --> 00:00:05,680 Speaker 1: What's up his way up at Angela Yee. I'm Angela 2 00:00:05,760 --> 00:00:08,200 Speaker 1: Yee and it's a Wealth Wednesday. So my partner Stacey 3 00:00:08,200 --> 00:00:09,000 Speaker 1: Tisdale is here. 4 00:00:09,160 --> 00:00:13,039 Speaker 2: Happy Wealth Wednesday, everybody. We have got some winning plays 5 00:00:13,080 --> 00:00:16,159 Speaker 2: for you and a financial playbook for you because we 6 00:00:16,239 --> 00:00:20,840 Speaker 2: have the honestly incomparable Brandon Copeland with us today, who's 7 00:00:20,880 --> 00:00:26,520 Speaker 2: an author, tenure NFL veteran financial literacy advocate. I can't 8 00:00:26,560 --> 00:00:29,639 Speaker 2: even founder of athletes that, founder of athletes dot org, 9 00:00:29,720 --> 00:00:35,840 Speaker 2: which it's a players association for student athletes, a father 10 00:00:36,560 --> 00:00:39,120 Speaker 2: for this third job. We'll talk about all of that, 11 00:00:39,320 --> 00:00:41,400 Speaker 2: but jeez, thanks for coming. 12 00:00:41,520 --> 00:00:43,879 Speaker 3: Thank y'all for having me. I appreciate being here. It's 13 00:00:44,440 --> 00:00:47,520 Speaker 3: one I've been a fan for years and so it's 14 00:00:47,640 --> 00:00:50,839 Speaker 3: honored to be here. But too, what y'all do is 15 00:00:51,000 --> 00:00:54,600 Speaker 3: extremely needed because you make this stuff digestible, right, So 16 00:00:54,840 --> 00:00:55,560 Speaker 3: I appreciate you. 17 00:00:55,800 --> 00:00:55,959 Speaker 2: Man. 18 00:00:56,000 --> 00:00:58,720 Speaker 1: I'm so glad you're here because earlier this week we 19 00:00:58,720 --> 00:01:01,959 Speaker 1: were talking about Dwight Howe and what happened to him 20 00:01:02,000 --> 00:01:05,000 Speaker 1: when he invested seven million dollars and it happened to 21 00:01:05,000 --> 00:01:08,160 Speaker 1: be a scam. The person got him and actually he 22 00:01:08,240 --> 00:01:11,839 Speaker 1: just got sentenced on Friday, really the guy who scammed 23 00:01:11,880 --> 00:01:13,880 Speaker 1: Dwight Howard. I guess he thought he was investing into 24 00:01:13,920 --> 00:01:17,280 Speaker 1: a WNBA team and then come to find out it 25 00:01:17,319 --> 00:01:19,240 Speaker 1: went to nothing. And so this has been going on 26 00:01:19,280 --> 00:01:21,520 Speaker 1: for years for him. So now the guy's facing I 27 00:01:21,560 --> 00:01:24,960 Speaker 1: guess eleven or fourteen years in jail. But that's what's 28 00:01:25,000 --> 00:01:28,840 Speaker 1: really hard for athletes, right, sometimes because you want to 29 00:01:28,880 --> 00:01:30,680 Speaker 1: do the right thing, and a lot of athletes are 30 00:01:30,720 --> 00:01:33,040 Speaker 1: scared to figure out where they should invest their money. 31 00:01:33,160 --> 00:01:36,039 Speaker 3: Yeah. Absolutely, I mean I think you have. Years ago, 32 00:01:36,080 --> 00:01:38,840 Speaker 3: there was a documentary ESPN came out with thirty for 33 00:01:38,920 --> 00:01:43,919 Speaker 3: thirty Broke, and that shined a light changed everything, Yeah, 34 00:01:43,959 --> 00:01:47,840 Speaker 3: on topics that have always been discussed of athletes losing 35 00:01:47,840 --> 00:01:50,960 Speaker 3: their money or not managing it well. And then once 36 00:01:51,000 --> 00:01:53,720 Speaker 3: that came out, that was great because it put a 37 00:01:53,760 --> 00:01:55,880 Speaker 3: lot of athletes on like, hey, you know what, I'm 38 00:01:55,920 --> 00:01:58,360 Speaker 3: not trying to end up on that documentary again, right, 39 00:01:58,600 --> 00:02:01,560 Speaker 3: I don't want to be on the part too the problem, 40 00:02:01,800 --> 00:02:05,280 Speaker 3: not the problem. But but ultimately, now you have more 41 00:02:05,360 --> 00:02:07,440 Speaker 3: athletes who are like, Okay, I'm gonna be conscious with 42 00:02:07,480 --> 00:02:09,679 Speaker 3: my money. I'm gonna ask questions I know about investing. 43 00:02:09,720 --> 00:02:12,360 Speaker 3: Now it's it's so much more accessible because the shows 44 00:02:12,400 --> 00:02:15,320 Speaker 3: like this and platforms and things of that nature, social 45 00:02:15,400 --> 00:02:17,920 Speaker 3: media conferences and all that stuff. But the problem is 46 00:02:18,560 --> 00:02:22,160 Speaker 3: when I came into the NFL as a rookie with 47 00:02:22,200 --> 00:02:24,280 Speaker 3: the Baltimore Ravens of twenty thirteen, one of the things 48 00:02:24,280 --> 00:02:26,360 Speaker 3: they said is the same way you are a pro 49 00:02:26,400 --> 00:02:30,880 Speaker 3: football player, there are pro fraudsters out there. They're pro. 50 00:02:31,560 --> 00:02:33,680 Speaker 3: There are people who literally wake up every single day 51 00:02:33,720 --> 00:02:36,079 Speaker 3: and just figure out how can I take your money? 52 00:02:36,320 --> 00:02:40,000 Speaker 3: And again it's hard. You're right, like you said, Dwight, 53 00:02:40,240 --> 00:02:43,760 Speaker 3: nobody wants to make an investment and it go to zero, 54 00:02:44,200 --> 00:02:46,359 Speaker 3: And so you do the best due diligence you can. 55 00:02:46,440 --> 00:02:48,239 Speaker 3: You have your team get around and all that type 56 00:02:48,280 --> 00:02:51,840 Speaker 3: of stuff, but no one is succepted. 57 00:02:51,480 --> 00:02:53,240 Speaker 4: Ye's immune tool. 58 00:02:53,320 --> 00:02:55,880 Speaker 3: Yeah. I've had my own issues as well when it 59 00:02:55,919 --> 00:02:59,480 Speaker 3: comes to those things as well too, Right, So ultimately, 60 00:02:59,600 --> 00:03:01,880 Speaker 3: do the best that you can. You hope you make 61 00:03:02,040 --> 00:03:03,919 Speaker 3: enough to be able to put aside that you can 62 00:03:03,919 --> 00:03:07,079 Speaker 3: put in things that you don't have to risk it 63 00:03:07,240 --> 00:03:12,680 Speaker 3: to to keep creating wealth and creating revenue for yourself 64 00:03:12,680 --> 00:03:16,560 Speaker 3: over the long term. But it's sad because there's a 65 00:03:16,560 --> 00:03:19,160 Speaker 3: lot of people out there who are mean well and 66 00:03:19,200 --> 00:03:21,200 Speaker 3: are trying to do the best buy athletes. But then 67 00:03:21,200 --> 00:03:22,280 Speaker 3: there's also a lot. 68 00:03:22,120 --> 00:03:26,440 Speaker 1: That are yeah, and it's sorry, because every investment is 69 00:03:26,520 --> 00:03:28,400 Speaker 1: still a risk no matter what it is. There might 70 00:03:28,440 --> 00:03:30,200 Speaker 1: be things that you feel like this is fool proof, 71 00:03:30,200 --> 00:03:32,440 Speaker 1: there's no way that this won't work, and you never 72 00:03:32,480 --> 00:03:35,040 Speaker 1: can predict what can happen. And then sometimes you kick 73 00:03:35,080 --> 00:03:37,480 Speaker 1: yourself because you had an opportunity and you didn't take 74 00:03:37,520 --> 00:03:39,440 Speaker 1: it because you were like, oh, I don't know about this. 75 00:03:39,640 --> 00:03:41,680 Speaker 1: You don't have the right you know, and you can 76 00:03:41,720 --> 00:03:44,240 Speaker 1: have the right person advising you, but nothing, like you said, 77 00:03:44,440 --> 00:03:45,440 Speaker 1: is full proof. 78 00:03:45,720 --> 00:03:48,560 Speaker 3: Even the best investors, the investment firms in the world, 79 00:03:48,560 --> 00:03:51,920 Speaker 3: they don't they're not bating one hundred percent, right. Warren Buffett, 80 00:03:52,480 --> 00:03:55,720 Speaker 3: the greatest investor of all time, has lost money on 81 00:03:55,920 --> 00:03:58,600 Speaker 3: a trade, or in the market, or on a company, right, 82 00:03:58,680 --> 00:04:01,920 Speaker 3: and so it happened to the best in the world. 83 00:04:02,960 --> 00:04:05,400 Speaker 3: The goal for athletes is for us to understand that, 84 00:04:05,600 --> 00:04:08,720 Speaker 3: you know, our earnings potential is limited. Right, you can't 85 00:04:08,720 --> 00:04:12,600 Speaker 3: play ball forever, and so hopefully you don't risk money 86 00:04:12,960 --> 00:04:17,520 Speaker 3: that you need, like vitally need to live the life 87 00:04:17,520 --> 00:04:19,279 Speaker 3: that you want beyond your playing career. 88 00:04:19,360 --> 00:04:21,000 Speaker 1: I saw in your first two years you said you 89 00:04:21,040 --> 00:04:24,200 Speaker 1: got fired four times playing in the NFL. And that 90 00:04:24,320 --> 00:04:27,760 Speaker 1: is some financial education right there. So Tom, tell us 91 00:04:27,760 --> 00:04:29,839 Speaker 1: about that and what that experience tought you. 92 00:04:30,240 --> 00:04:34,480 Speaker 3: Yeah, the NFL stands for not for long, and you 93 00:04:34,560 --> 00:04:39,120 Speaker 3: learn really quickly that you know. Frankly, I mean, I 94 00:04:39,160 --> 00:04:42,040 Speaker 3: was fortunate I had a coach. His name was Wink Martindale, 95 00:04:42,279 --> 00:04:43,119 Speaker 3: linebacker coach. 96 00:04:43,240 --> 00:04:43,480 Speaker 2: Yeah. 97 00:04:43,560 --> 00:04:45,960 Speaker 3: Yeah, he ended up being the decoordinated for the Giants 98 00:04:46,000 --> 00:04:47,680 Speaker 3: for a bit. Now he's at Michigan. But he was 99 00:04:47,720 --> 00:04:52,479 Speaker 3: such a raw, uncut, unfiltered person that it helped me 100 00:04:52,520 --> 00:04:55,200 Speaker 3: a lot. There's a lot of coaches who will they 101 00:04:55,279 --> 00:04:57,440 Speaker 3: just want to sugarcoat things, just keep things nice in 102 00:04:57,480 --> 00:05:01,000 Speaker 3: your face, but ultimately they're not telling you the real 103 00:05:01,040 --> 00:05:03,440 Speaker 3: game and how you're really doing upstairs, and then a 104 00:05:03,440 --> 00:05:06,719 Speaker 3: lot of things become surprises. But Wink, he was always like, listen, 105 00:05:06,720 --> 00:05:08,640 Speaker 3: I'm always shooting to you straight. So the years from 106 00:05:08,640 --> 00:05:11,080 Speaker 3: now we could see each other and we could sit 107 00:05:11,160 --> 00:05:12,719 Speaker 3: down and have a drink because you're like, hey, I 108 00:05:12,760 --> 00:05:17,240 Speaker 3: might not liked what he said, but right. And so 109 00:05:19,320 --> 00:05:23,320 Speaker 3: my first few years I got fired really six times, 110 00:05:23,720 --> 00:05:29,400 Speaker 3: six times just practice squad up and down. Sometimes it'd 111 00:05:29,400 --> 00:05:32,400 Speaker 3: be hey, we need a safety. It's not even your position, 112 00:05:32,480 --> 00:05:34,839 Speaker 3: but because we need to get them up to speed 113 00:05:34,880 --> 00:05:36,440 Speaker 3: on the playbook, we're going to bring them in early 114 00:05:36,520 --> 00:05:40,240 Speaker 3: and cut you today type of thing. And so I 115 00:05:40,400 --> 00:05:45,560 Speaker 3: also learned that the NFL, you get paid Tuesday at 116 00:05:45,560 --> 00:05:48,480 Speaker 3: four Eastern is when you're guaranteed you're paid for the 117 00:05:49,000 --> 00:05:52,080 Speaker 3: following week or the current week. And so I've been 118 00:05:52,160 --> 00:05:54,440 Speaker 3: cut like the Baltimore Ravens the first year they cut me. 119 00:05:54,520 --> 00:05:56,080 Speaker 3: The first time they cut me was on a Wednesday, 120 00:05:56,120 --> 00:05:57,840 Speaker 3: and they're like, hey, you know we want to pay 121 00:05:57,839 --> 00:05:59,480 Speaker 3: you this week. We'll bring you back in on Monday. 122 00:06:00,760 --> 00:06:03,240 Speaker 3: They didn't call it till ten years later. And then 123 00:06:03,560 --> 00:06:05,840 Speaker 3: the Tennessee Titans. One time they cut me at three 124 00:06:05,920 --> 00:06:09,080 Speaker 3: fifty six pm on a Tuesday, so they didn't pay 125 00:06:09,080 --> 00:06:11,680 Speaker 3: me for the week. I'm gonna go ahead, put you 126 00:06:11,720 --> 00:06:14,160 Speaker 3: out there. Tennessee. They had me go through community service 127 00:06:14,240 --> 00:06:16,560 Speaker 3: that morning, put on the jersey. They had all of 128 00:06:16,600 --> 00:06:20,720 Speaker 3: us rookies and you know, the mascot out there at 129 00:06:20,720 --> 00:06:23,760 Speaker 3: the local school doing it, which I'm all for the kids. Anyway, 130 00:06:23,800 --> 00:06:25,600 Speaker 3: I would have probably done it if you asked me 131 00:06:25,680 --> 00:06:27,760 Speaker 3: but to have me do it and then call me 132 00:06:27,839 --> 00:06:28,159 Speaker 3: later and. 133 00:06:28,200 --> 00:06:30,840 Speaker 4: Then cut me. 134 00:06:32,320 --> 00:06:35,440 Speaker 3: Foremanus, I knew it was a random Tennessee number. My 135 00:06:35,600 --> 00:06:37,919 Speaker 3: mind told me not to answer it, but you know 136 00:06:38,080 --> 00:06:41,159 Speaker 3: I answered this up anyway. But for literally for ten years, 137 00:06:41,200 --> 00:06:43,680 Speaker 3: that was year one. So literally the next nine years, 138 00:06:44,160 --> 00:06:46,480 Speaker 3: my family knew, don't call it, text me on Tuesday 139 00:06:46,520 --> 00:06:49,240 Speaker 3: before for Eastern and like literally it was that was 140 00:06:49,320 --> 00:06:50,360 Speaker 3: just a written rule. 141 00:06:51,279 --> 00:06:53,920 Speaker 2: Realize that you lived with that much that players live 142 00:06:54,000 --> 00:06:57,880 Speaker 2: with that much stress, and you came at it probably 143 00:06:57,880 --> 00:07:00,640 Speaker 2: better prepared than most. I mean, you went to UPenn 144 00:07:00,800 --> 00:07:04,760 Speaker 2: Wharton's School of Business, and I know you and I 145 00:07:04,760 --> 00:07:07,800 Speaker 2: have spoken before about a lot of financial outcomes. They 146 00:07:07,839 --> 00:07:10,160 Speaker 2: happened by making the right choice at the right moment. 147 00:07:10,800 --> 00:07:13,200 Speaker 2: And you said, your decision and this goes back to 148 00:07:13,280 --> 00:07:16,280 Speaker 2: high school to ask your high school football coach and 149 00:07:16,320 --> 00:07:19,280 Speaker 2: your book for a job was a major moment for you. Yeah, 150 00:07:19,320 --> 00:07:21,640 Speaker 2: so take us back how you got here before you 151 00:07:21,680 --> 00:07:22,400 Speaker 2: take us forward. 152 00:07:22,520 --> 00:07:25,120 Speaker 3: Yeah, I think you know. So growing up, my mom, 153 00:07:25,200 --> 00:07:30,880 Speaker 3: who's amazing, her name's Angela as well. Yeah, she's amazing. 154 00:07:30,960 --> 00:07:34,520 Speaker 3: She was working really hard. We have a brother, both 155 00:07:34,560 --> 00:07:37,680 Speaker 3: of us big people. So she was putting two Husky 156 00:07:37,720 --> 00:07:41,640 Speaker 3: boys through sports, keeping the fridge full, all of that 157 00:07:41,680 --> 00:07:44,760 Speaker 3: type of stuff. But she was budgeting her tail off 158 00:07:44,800 --> 00:07:46,800 Speaker 3: to make ends meet. So my mom she was a 159 00:07:47,040 --> 00:07:51,840 Speaker 3: master in organization and budget. No one taught her about 160 00:07:51,840 --> 00:07:55,320 Speaker 3: investing or any of those types of things, right, but 161 00:07:55,400 --> 00:07:57,640 Speaker 3: she was disciplined when it came to no, we can't 162 00:07:57,800 --> 00:08:01,400 Speaker 3: do that. We can't buy candy and the checkout out, 163 00:08:01,440 --> 00:08:03,680 Speaker 3: we can't. When we go to the McDonald's or whatever 164 00:08:03,720 --> 00:08:07,160 Speaker 3: it's dollar menu, don't no drink or nothing. Get the 165 00:08:07,160 --> 00:08:09,360 Speaker 3: burger that you need and we'll get everything else at 166 00:08:09,360 --> 00:08:12,720 Speaker 3: the house. Right. And that as a little kid was 167 00:08:12,760 --> 00:08:14,600 Speaker 3: just kind of like, man, one day, I want to 168 00:08:14,760 --> 00:08:17,160 Speaker 3: make so much money, I can buy supersize if I want. 169 00:08:17,360 --> 00:08:19,400 Speaker 3: One day, I want to buy all the Milky Ways 170 00:08:19,400 --> 00:08:20,280 Speaker 3: and this bad boy if I want. 171 00:08:20,320 --> 00:08:22,120 Speaker 4: I was also buying McDonald's. 172 00:08:22,120 --> 00:08:24,960 Speaker 3: Maybe yeah, we'll see my mind and you think like 173 00:08:25,000 --> 00:08:26,440 Speaker 3: that back then, But it was just like, man, I'm 174 00:08:26,440 --> 00:08:28,920 Speaker 3: going ball so hard that I can buy anything I want. Right. 175 00:08:28,960 --> 00:08:33,320 Speaker 3: And I went to high school. I went to a 176 00:08:33,320 --> 00:08:38,960 Speaker 3: private high school called Gilman Nice Football School, and the 177 00:08:39,080 --> 00:08:43,360 Speaker 3: coach there was just fascinating to me. Every Wednesday in 178 00:08:43,400 --> 00:08:45,600 Speaker 3: the summer we would do a little spring football spring 179 00:08:45,640 --> 00:08:48,280 Speaker 3: workouts practice and he'd have like forty three pizzas and 180 00:08:48,280 --> 00:08:50,680 Speaker 3: I always remember because it would put like one out 181 00:08:50,679 --> 00:08:53,480 Speaker 3: of forty three or whatever, and I'm just like, what 182 00:08:53,600 --> 00:08:56,120 Speaker 3: is this dude doing that he can buy all these 183 00:08:56,160 --> 00:09:00,000 Speaker 3: pizzas every single week consistently and he's not a drug dealer, 184 00:09:00,280 --> 00:09:05,200 Speaker 3: he's not a basketball or former football player, Like what 185 00:09:05,240 --> 00:09:07,920 Speaker 3: does he do? And so one day as a sophomore, 186 00:09:07,920 --> 00:09:10,480 Speaker 3: I go up and ask him, like, Hey, can I 187 00:09:10,559 --> 00:09:12,000 Speaker 3: learn from you? Like, I don't know what you do? 188 00:09:12,040 --> 00:09:15,280 Speaker 3: What can I learn from you? And he happened to 189 00:09:15,360 --> 00:09:17,560 Speaker 3: run a hedge fund and he was one of the 190 00:09:17,600 --> 00:09:20,920 Speaker 3: few coaches at the school that didn't teach because he 191 00:09:21,040 --> 00:09:24,040 Speaker 3: ran a hedge fund. Now he's a head coach at 192 00:09:24,640 --> 00:09:27,320 Speaker 3: University of Charlotte. He still has his family office his 193 00:09:27,320 --> 00:09:30,840 Speaker 3: family office now. But he would put kids through school. 194 00:09:31,360 --> 00:09:34,720 Speaker 3: He would send kids on like overseas trips and things 195 00:09:34,760 --> 00:09:36,719 Speaker 3: like that to give them different experiences. And I was 196 00:09:36,720 --> 00:09:38,760 Speaker 3: always just like, I don't know what you do, but 197 00:09:39,320 --> 00:09:41,920 Speaker 3: the things that you do, I want to do that 198 00:09:41,960 --> 00:09:44,280 Speaker 3: one day as well too. So fortunately he was like 199 00:09:44,320 --> 00:09:46,680 Speaker 3: he go get your workouts in and then after your workouts. 200 00:09:46,679 --> 00:09:48,160 Speaker 3: Every day in the summer, you can come over to 201 00:09:48,200 --> 00:09:50,040 Speaker 3: the office. And that's the first time where I started 202 00:09:50,080 --> 00:09:53,880 Speaker 3: seeing Bloomberg terminals and CNBC was on all of the 203 00:09:53,960 --> 00:09:56,120 Speaker 3: TVs and you know, the ticker going. I had no 204 00:09:56,160 --> 00:10:00,079 Speaker 3: idea what it was saying. But that's what introduced me 205 00:10:00,120 --> 00:10:04,000 Speaker 3: into money and really people sitting behind a desk in 206 00:10:04,040 --> 00:10:08,559 Speaker 3: front of computers making millions of dollars and that's where 207 00:10:08,640 --> 00:10:11,680 Speaker 3: a lot of this stuff, this curiosity for business started. 208 00:10:13,040 --> 00:10:16,000 Speaker 1: Wow, that's fascinating that something like that, that's a life 209 00:10:16,040 --> 00:10:18,080 Speaker 1: changing thing that can happen having that person in their 210 00:10:18,160 --> 00:10:20,040 Speaker 1: life to thank god he wasn't a drug dealer. 211 00:10:21,600 --> 00:10:26,240 Speaker 2: Everybody think about that is your decision to ask. Decision 212 00:10:26,280 --> 00:10:29,360 Speaker 2: to ask. So you've written this amazing your money playbook, 213 00:10:30,240 --> 00:10:33,520 Speaker 2: and I love how you broke it into quarters and 214 00:10:33,600 --> 00:10:38,839 Speaker 2: what's the first quarter? So we're going to tackle our financeney. 215 00:10:39,559 --> 00:10:44,479 Speaker 3: Even you got it, you gotta earn right, Like, ultimately, 216 00:10:45,000 --> 00:10:48,120 Speaker 3: you got to roll up your sleeves and make money 217 00:10:48,480 --> 00:10:51,400 Speaker 3: to have the opportunity to put it into things that 218 00:10:51,440 --> 00:10:54,599 Speaker 3: make you money, right. And so the art of the 219 00:10:54,679 --> 00:10:57,960 Speaker 3: hustle is is first and foremost one mindset, right, like, 220 00:10:58,040 --> 00:11:03,800 Speaker 3: I just think of there there's so many people who 221 00:11:04,840 --> 00:11:09,040 Speaker 3: I take inspiration from in terms of oh you just 222 00:11:09,600 --> 00:11:11,960 Speaker 3: you have something already, but you still want to go 223 00:11:12,000 --> 00:11:13,680 Speaker 3: get it, you still want more. It was the same 224 00:11:13,720 --> 00:11:16,600 Speaker 3: mindset that helped me be great in football, but now 225 00:11:16,679 --> 00:11:19,520 Speaker 3: for me it's translated over the money. And I just 226 00:11:19,600 --> 00:11:22,839 Speaker 3: ask any reader what is your mindset around money? And 227 00:11:23,200 --> 00:11:26,280 Speaker 3: you got to think about do you have a survival mindset? 228 00:11:26,320 --> 00:11:29,040 Speaker 3: Do you have a thrive mindset? Do you have a 229 00:11:29,240 --> 00:11:32,120 Speaker 3: limited mindset? Are you willing to roll up your sleeves 230 00:11:32,120 --> 00:11:33,839 Speaker 3: and go get it? Are you willing to work harder 231 00:11:33,840 --> 00:11:36,679 Speaker 3: than the next person than the person next to you, 232 00:11:37,000 --> 00:11:40,520 Speaker 3: but then also work even more hard to figure out 233 00:11:40,679 --> 00:11:43,720 Speaker 3: how I don't have to work as hard. Right. One 234 00:11:43,800 --> 00:11:46,560 Speaker 3: of the most fascinating things to me was I sat 235 00:11:46,600 --> 00:11:49,120 Speaker 3: down with a one of my Jets teammates years ago, 236 00:11:49,160 --> 00:11:51,040 Speaker 3: guy named Steve McLennon, and we were doing an interview 237 00:11:51,320 --> 00:11:54,199 Speaker 3: and he was like, man, people always talk about dream chasing, 238 00:11:54,520 --> 00:11:57,120 Speaker 3: dream chasing. We dream chaser right, twenty four to seven, 239 00:11:57,160 --> 00:12:00,760 Speaker 3: grind all day, no day is off. No no. He 240 00:12:00,840 --> 00:12:02,320 Speaker 3: was like, man, at some point you got to catch 241 00:12:02,360 --> 00:12:05,000 Speaker 3: the dream, Like I want to catch the dream so 242 00:12:05,080 --> 00:12:07,720 Speaker 3: that I can actually enjoy all my hard work. And 243 00:12:07,760 --> 00:12:09,920 Speaker 3: so first and foremost they are that the hustle is 244 00:12:09,920 --> 00:12:12,600 Speaker 3: getting your mind right, evaluating things you went through as 245 00:12:12,600 --> 00:12:14,320 Speaker 3: a child, to figure out if you need to unlearn 246 00:12:14,360 --> 00:12:16,880 Speaker 3: some of those money traumas so that you can actually 247 00:12:16,920 --> 00:12:20,840 Speaker 3: evolve and elevate beyond that. And in order for you 248 00:12:20,880 --> 00:12:22,720 Speaker 3: to even have a chance to do the other things, 249 00:12:23,280 --> 00:12:24,280 Speaker 3: you got to earn money. 250 00:12:24,320 --> 00:12:27,160 Speaker 1: Like I said before, that's interesting to talk about because 251 00:12:27,320 --> 00:12:29,760 Speaker 1: there's people who I know who are like, I don't 252 00:12:29,800 --> 00:12:31,760 Speaker 1: care if I'm passionate about this and not. I just 253 00:12:31,800 --> 00:12:33,439 Speaker 1: need to figure out how to make money and the 254 00:12:33,520 --> 00:12:36,200 Speaker 1: right things to do. And then there's people who are like, 255 00:12:36,280 --> 00:12:38,320 Speaker 1: I'm only doing the things that I'm passionate about and 256 00:12:38,360 --> 00:12:40,920 Speaker 1: that will at some point make me some money, you know, 257 00:12:40,960 --> 00:12:44,360 Speaker 1: And I always wonder, like, what's the balance between those things? 258 00:12:44,440 --> 00:12:47,000 Speaker 3: Yeah, I think you got to know what It's different 259 00:12:47,040 --> 00:12:50,880 Speaker 3: for every person, right and for me, I'm a guy 260 00:12:50,960 --> 00:12:55,240 Speaker 3: who I genuinely want to like what I do right, 261 00:12:55,320 --> 00:13:00,880 Speaker 3: Like I've one of the most pivotal experiences for me 262 00:13:01,000 --> 00:13:04,280 Speaker 3: is I interned at ubs Union Bank of Switzerland's right 263 00:13:04,320 --> 00:13:07,040 Speaker 3: up the street a summer intern there for two years, 264 00:13:07,400 --> 00:13:08,920 Speaker 3: and one time I was talking with one of my 265 00:13:09,000 --> 00:13:14,920 Speaker 3: mentors who was killing it by all societal standards, and 266 00:13:15,400 --> 00:13:18,560 Speaker 3: you know, we get into this conversation and somehow we 267 00:13:18,600 --> 00:13:22,160 Speaker 3: get to happiness, and I'm like, so are you happy, 268 00:13:22,920 --> 00:13:26,679 Speaker 3: And he literally is just like looks down, looks out 269 00:13:26,720 --> 00:13:29,560 Speaker 3: the window, looks back down, says no, I'm not happy. 270 00:13:29,920 --> 00:13:32,000 Speaker 3: He's like, I can. I got three daughters. He had 271 00:13:32,200 --> 00:13:34,280 Speaker 3: his daughter's picture frames right there, is like, I got 272 00:13:34,280 --> 00:13:35,840 Speaker 3: three dollars. I can buy them anything in the world 273 00:13:35,880 --> 00:13:38,560 Speaker 3: that they want. But I'm pushing around bullshit, I'm not happy. 274 00:13:38,840 --> 00:13:41,479 Speaker 2: As the author of the book The True Cost of Happiness, 275 00:13:41,640 --> 00:13:44,480 Speaker 2: I will say it's important to find what you're passionate 276 00:13:44,480 --> 00:13:45,480 Speaker 2: about because you're going to run. 277 00:13:45,400 --> 00:13:49,360 Speaker 3: Out of energy. You'll burn it. But then there's some 278 00:13:49,400 --> 00:13:52,080 Speaker 3: people who don't want any emotional tie at all. They 279 00:13:52,080 --> 00:13:54,720 Speaker 3: don't want any emotional tie to their business, right And 280 00:13:54,720 --> 00:13:57,480 Speaker 3: and I guess that's why I say it's different. 281 00:13:57,440 --> 00:14:01,000 Speaker 1: Learned because some people are good with making a ton 282 00:14:01,040 --> 00:14:03,800 Speaker 1: of money, and maybe they don't love what it is 283 00:14:03,800 --> 00:14:06,360 Speaker 1: that they do, but being able to have that to 284 00:14:06,400 --> 00:14:09,040 Speaker 1: show for it is something that makes them satisfy. 285 00:14:09,559 --> 00:14:12,880 Speaker 3: Like I'm a real life example. There's I've seen so 286 00:14:12,920 --> 00:14:15,080 Speaker 3: many people talk about vendom machines. You guys have talked 287 00:14:15,080 --> 00:14:17,760 Speaker 3: about vendom machines and things like that. We at the 288 00:14:17,800 --> 00:14:21,360 Speaker 3: local YMCA. There's all these kids there. My sons go 289 00:14:21,400 --> 00:14:23,080 Speaker 3: there and play basketball and things like that. There's no 290 00:14:23,160 --> 00:14:26,800 Speaker 3: vendom machines. And I'm just sitting there like, well, hey, 291 00:14:27,360 --> 00:14:29,120 Speaker 3: if I ever wanted to start a vending machine business, 292 00:14:29,120 --> 00:14:32,040 Speaker 3: here here it is. So I got the owners or 293 00:14:32,080 --> 00:14:35,080 Speaker 3: the leaders contact information, talk to them this weekend. I've 294 00:14:35,120 --> 00:14:38,120 Speaker 3: already talked to multiple people about their experience running it. 295 00:14:38,200 --> 00:14:40,240 Speaker 3: He said, just send me an email and let's see 296 00:14:40,280 --> 00:14:42,960 Speaker 3: what we can do. Cool. I'm not passionate about vending machines. 297 00:14:43,200 --> 00:14:46,440 Speaker 3: I am passionate about making money. But I understand how 298 00:14:46,480 --> 00:14:49,000 Speaker 3: to take this business and treat it for me like 299 00:14:49,080 --> 00:14:51,520 Speaker 3: real estate and make it into another business side. 300 00:14:52,080 --> 00:14:54,960 Speaker 2: Give you money to explore your passion. If you want 301 00:14:55,000 --> 00:14:57,880 Speaker 2: to give yourself financial freedom, be able to do that. 302 00:14:57,960 --> 00:14:59,200 Speaker 4: Well, let's get to the second quarter. 303 00:14:59,280 --> 00:15:01,040 Speaker 2: Go ahead. We only got to the person. 304 00:15:01,800 --> 00:15:03,080 Speaker 4: All right, second quarter. 305 00:15:03,880 --> 00:15:07,280 Speaker 3: Power growth, power growth, power growth. But that's investing. I 306 00:15:07,320 --> 00:15:10,320 Speaker 3: think that I always tell people when I started I 307 00:15:10,360 --> 00:15:14,080 Speaker 3: started teaching at penn University of Pennsylvania while I was 308 00:15:14,120 --> 00:15:17,560 Speaker 3: playing with the Jets. And one of the two biggest 309 00:15:17,600 --> 00:15:19,680 Speaker 3: lessons that I learned as I was studying up to 310 00:15:19,720 --> 00:15:21,760 Speaker 3: be able to confidently go in there and be a 311 00:15:21,800 --> 00:15:26,800 Speaker 3: professor was one, you got to understand taxes and tax 312 00:15:26,840 --> 00:15:30,080 Speaker 3: strategy is so important. That's your biggest bill. Two one 313 00:15:30,120 --> 00:15:32,720 Speaker 3: of the biggest lies in the world was put your 314 00:15:32,760 --> 00:15:33,960 Speaker 3: money in the bank. Put your money in the bank. 315 00:15:34,000 --> 00:15:36,160 Speaker 3: Put your money in the bank. And for me, I 316 00:15:36,200 --> 00:15:37,640 Speaker 3: don't know about you guys, but I grew up and 317 00:15:37,640 --> 00:15:39,200 Speaker 3: everybody's like, put your money in bank. Put your money 318 00:15:39,240 --> 00:15:40,400 Speaker 3: in the bank. Put your money in the bank. 319 00:15:40,200 --> 00:15:41,080 Speaker 2: And bank account. 320 00:15:41,160 --> 00:15:43,560 Speaker 3: Yeah, put it in a bank account, right, And ultimately 321 00:15:43,560 --> 00:15:45,000 Speaker 3: the bank takes your money and they go out and 322 00:15:45,040 --> 00:15:47,120 Speaker 3: they grow it and then they give you back a 323 00:15:47,120 --> 00:15:49,280 Speaker 3: little percentage of it. And so for me, the power 324 00:15:49,360 --> 00:15:52,800 Speaker 3: growth is understanding investing and trying to invest for yourself 325 00:15:53,280 --> 00:15:56,520 Speaker 3: as your income grows, invest for yourself in different layers 326 00:15:56,520 --> 00:15:59,720 Speaker 3: and levels. So one, when I'm investing, I'm investing for 327 00:15:59,720 --> 00:16:02,200 Speaker 3: a old, older, gray hair version of me that doesn't 328 00:16:02,200 --> 00:16:04,200 Speaker 3: want to do anything, that just wants to sit on 329 00:16:04,200 --> 00:16:08,160 Speaker 3: the porch and chill. Right, So that's retirement investing. What 330 00:16:08,200 --> 00:16:11,360 Speaker 3: money am I putting away for an older version of me? Too? 331 00:16:11,360 --> 00:16:16,720 Speaker 3: I'm also investing for the immediate, more immediate future. This 332 00:16:16,760 --> 00:16:19,720 Speaker 3: is liquid investing. I call it active investing, where you 333 00:16:19,760 --> 00:16:22,120 Speaker 3: can take money in and out of it, you know, 334 00:16:22,200 --> 00:16:24,240 Speaker 3: two years from now, three years from now, six months 335 00:16:24,280 --> 00:16:26,160 Speaker 3: from now, if you want to, and if you choose. 336 00:16:25,920 --> 00:16:27,840 Speaker 2: To absolently, great for that exactly. 337 00:16:27,920 --> 00:16:30,520 Speaker 1: And sometimes even having that liquid available if you're trying 338 00:16:30,560 --> 00:16:32,520 Speaker 1: to do something, they need to see a certain amount 339 00:16:32,600 --> 00:16:34,360 Speaker 1: of liquid available that you. 340 00:16:34,320 --> 00:16:36,720 Speaker 3: Can actually touch, that you can actually touch and feel. 341 00:16:37,560 --> 00:16:42,000 Speaker 3: And then also, you know, another thing that people neglect 342 00:16:42,360 --> 00:16:45,640 Speaker 3: at times is just investing in yourself, investing in your 343 00:16:45,640 --> 00:16:48,600 Speaker 3: own development, investing in what you want to be and 344 00:16:48,640 --> 00:16:50,480 Speaker 3: who you want to be five years from now. I mean, 345 00:16:50,480 --> 00:16:52,920 Speaker 3: we spend the beginning of our lives going through so 346 00:16:53,040 --> 00:16:57,640 Speaker 3: much education in different formats to become the people that 347 00:16:57,680 --> 00:17:00,920 Speaker 3: we are, and then we just put that on because 348 00:17:01,000 --> 00:17:03,120 Speaker 3: life starts life, and you gotta be a father, you 349 00:17:03,160 --> 00:17:04,879 Speaker 3: gotta work, you gotta do this, you gotta do that. 350 00:17:05,160 --> 00:17:11,040 Speaker 3: But what investments are you making on a daily, weekly, monthly, quarterly, annual, 351 00:17:11,080 --> 00:17:13,840 Speaker 3: basis that are going to lead you to the person 352 00:17:13,880 --> 00:17:15,240 Speaker 3: you want to be ten years from now. 353 00:17:15,920 --> 00:17:19,520 Speaker 2: Okay, we are moving into the third quarter, folks and 354 00:17:19,560 --> 00:17:22,280 Speaker 2: coaches saying commitment to smart spending. 355 00:17:22,600 --> 00:17:26,880 Speaker 3: Yeah, yeah, so that's the toughest part. Say, right, as you. 356 00:17:27,040 --> 00:17:32,359 Speaker 5: Agreed as you, Yeah, as you earn more, yeah, you 357 00:17:32,400 --> 00:17:35,640 Speaker 5: spend more, you a lot more and you and you, yeah, 358 00:17:35,920 --> 00:17:38,480 Speaker 5: you spend more. You feel like you should spend more. 359 00:17:39,200 --> 00:17:41,040 Speaker 4: More in taxes, you owe. 360 00:17:40,840 --> 00:17:44,760 Speaker 3: More in taxes. And then you also you feel like 361 00:17:44,800 --> 00:17:47,200 Speaker 3: you deserve it as you as you should. You worked hard, 362 00:17:47,240 --> 00:17:49,359 Speaker 3: you put in the sacrifice. Well, why would I do 363 00:17:49,400 --> 00:17:51,399 Speaker 3: all of that to live the same way I was 364 00:17:51,440 --> 00:17:56,840 Speaker 3: living two years ago? Right, And so that's the toughest part, right, 365 00:17:56,960 --> 00:18:00,480 Speaker 3: is how do you quote unquote keep the same energy 366 00:18:00,920 --> 00:18:05,040 Speaker 3: as you continue to evolve your financial game plan? Real 367 00:18:05,080 --> 00:18:07,400 Speaker 3: life example, my wife and I we're moving to Houston. 368 00:18:08,160 --> 00:18:10,720 Speaker 3: We are building our forever home. Right now, they just 369 00:18:10,720 --> 00:18:13,200 Speaker 3: put up the drywall. Shout out to y'all, keep working hard, 370 00:18:13,200 --> 00:18:13,919 Speaker 3: We appreciate you. 371 00:18:14,280 --> 00:18:14,840 Speaker 4: Is on time. 372 00:18:14,880 --> 00:18:19,000 Speaker 1: I'm just curious, I know how hard so far? 373 00:18:21,840 --> 00:18:26,360 Speaker 3: Yeah, so far it is time? Right, But but yeah, 374 00:18:26,400 --> 00:18:28,320 Speaker 3: so that's going. But you know, wife and I we 375 00:18:28,359 --> 00:18:30,080 Speaker 3: have to come back and we can afford the crib. 376 00:18:30,400 --> 00:18:33,600 Speaker 3: We're good. But it's like, but let's just challenge ourselves, 377 00:18:33,680 --> 00:18:35,879 Speaker 3: right like we were getting we spend a little too 378 00:18:35,960 --> 00:18:38,560 Speaker 3: much over here, Right Like, let's let's create a budget, 379 00:18:38,640 --> 00:18:41,480 Speaker 3: Let's lock it down and guess what now that additional threshold, 380 00:18:41,480 --> 00:18:44,280 Speaker 3: we're just gonna keep putting it into an investments into investments. Right. 381 00:18:44,480 --> 00:18:48,560 Speaker 3: Creating simple challenges for yourself can help you stay committed 382 00:18:48,600 --> 00:18:51,919 Speaker 3: to your future and long term goals. And one of 383 00:18:51,960 --> 00:18:54,040 Speaker 3: the best things to do if you feel like, hey, 384 00:18:54,320 --> 00:18:56,879 Speaker 3: I'm I'm by myself. I don't have a partner or 385 00:18:56,960 --> 00:19:00,160 Speaker 3: spouse to answer to. I don't I don't I I'm 386 00:19:00,200 --> 00:19:02,880 Speaker 3: twenty two years old. I don't really I don't really 387 00:19:02,920 --> 00:19:05,120 Speaker 3: know what I want to be or where I want 388 00:19:05,119 --> 00:19:06,880 Speaker 3: to be ten years from now. One of the things 389 00:19:06,880 --> 00:19:09,200 Speaker 3: I always do I do for myself, but I always 390 00:19:09,200 --> 00:19:12,159 Speaker 3: say is you should find you yourself an accountability buddy 391 00:19:12,480 --> 00:19:15,560 Speaker 3: or an accountability group, And these are people that you 392 00:19:15,600 --> 00:19:19,679 Speaker 3: are going to literally check in with whatever cadence you 393 00:19:19,800 --> 00:19:23,359 Speaker 3: feel is acceptable to make sure that you're sticking to 394 00:19:23,400 --> 00:19:28,000 Speaker 3: the goals that you set for yourself, because ultimately you 395 00:19:28,040 --> 00:19:30,800 Speaker 3: can't afford it alone. Yeah, and you can't afford to. 396 00:19:30,760 --> 00:19:33,240 Speaker 1: Be wrong on this and the right accountability person because 397 00:19:33,240 --> 00:19:36,040 Speaker 1: there are some people who are secretly in competition with you, 398 00:19:36,840 --> 00:19:38,440 Speaker 1: and you have to be able to be honest too, 399 00:19:38,520 --> 00:19:42,480 Speaker 1: because certainly at times some people aren't honest with you. 400 00:19:42,600 --> 00:19:44,159 Speaker 1: Like I know, people would be like, I got paid X, 401 00:19:44,240 --> 00:19:45,879 Speaker 1: Y and Z for this, and you're like, no, you didn't, 402 00:19:46,119 --> 00:19:48,119 Speaker 1: you know, but they'll try to make you feel bad 403 00:19:48,240 --> 00:19:51,680 Speaker 1: about your financial situation or make you you know, it's 404 00:19:51,720 --> 00:19:53,679 Speaker 1: just a matter of having the right people around you. 405 00:19:53,720 --> 00:19:55,760 Speaker 4: I think that is so important to your point. 406 00:19:55,960 --> 00:19:57,800 Speaker 3: Absolutely, you got to find the right people around you, 407 00:19:58,000 --> 00:20:01,800 Speaker 3: and you also got to find people who aren't just 408 00:20:01,800 --> 00:20:03,679 Speaker 3: just going to nod their head yes, said everything that 409 00:20:03,720 --> 00:20:05,800 Speaker 3: you say. And so as if you're looking for this 410 00:20:05,840 --> 00:20:10,920 Speaker 3: accountability group, you either find someone who who has lived 411 00:20:11,080 --> 00:20:14,439 Speaker 3: what you've are, has lived what you are looking to 412 00:20:14,480 --> 00:20:16,920 Speaker 3: live before, so to speak, right, they've made some decisions 413 00:20:16,960 --> 00:20:20,720 Speaker 3: about business or family that you want to do someday 414 00:20:21,160 --> 00:20:23,640 Speaker 3: or for me, I always try to find people who 415 00:20:23,800 --> 00:20:26,520 Speaker 3: literally look at the world totally differently than I do. 416 00:20:26,600 --> 00:20:30,760 Speaker 2: So it's really important. I have a mastermind and a 417 00:20:30,760 --> 00:20:33,400 Speaker 2: lot of the women in it want to be partnered 418 00:20:33,440 --> 00:20:35,920 Speaker 2: for an accountability partner with people who have a similar 419 00:20:36,000 --> 00:20:39,879 Speaker 2: financial background. Right, I'm like, no, yeah. 420 00:20:39,320 --> 00:20:42,080 Speaker 3: I want somebody that's looking at it totally. I'm a 421 00:20:42,160 --> 00:20:45,560 Speaker 3: risky person. I am. I will bet on me all day, 422 00:20:45,600 --> 00:20:49,920 Speaker 3: every day. Right, My accountability one of my main accountability buddies, 423 00:20:49,960 --> 00:20:54,159 Speaker 3: he's super conservative, he is. I'm putting it in index 424 00:20:54,240 --> 00:20:56,239 Speaker 3: funds and I'm just letting it ride and I'm not 425 00:20:56,280 --> 00:20:57,800 Speaker 3: doing anything else to it, and I'm not going to 426 00:20:57,800 --> 00:21:00,560 Speaker 3: touch it for another thirty years, right, Van guard v Right, 427 00:21:00,600 --> 00:21:03,879 Speaker 3: that's his thing. No disclaim, don't sue us here, but 428 00:21:04,400 --> 00:21:07,200 Speaker 3: that's what I do to make sure I keep myself 429 00:21:07,200 --> 00:21:11,199 Speaker 3: in check. Because as you do good, it's easier to 430 00:21:11,240 --> 00:21:14,320 Speaker 3: get more and more pulls at you that take you 431 00:21:14,400 --> 00:21:15,680 Speaker 3: off the path to success. 432 00:21:16,160 --> 00:21:19,600 Speaker 2: So we're taking our accountability partner into the fourth quarter. Yeah, 433 00:21:19,640 --> 00:21:21,320 Speaker 2: and we got the promise a legacy. 434 00:21:22,080 --> 00:21:25,439 Speaker 3: Yeah, legacy legacy. Everybody talks about, well not everybody, but 435 00:21:25,480 --> 00:21:27,720 Speaker 3: a lot of people talk about generational wealth. And I'm 436 00:21:27,760 --> 00:21:31,840 Speaker 3: doing this for my kids and that is phenomenal. Right, 437 00:21:31,880 --> 00:21:35,400 Speaker 3: And so one in the book, in your Money Playbook, 438 00:21:35,400 --> 00:21:39,400 Speaker 3: we go through what are some of the most crucial 439 00:21:39,480 --> 00:21:41,560 Speaker 3: things you should do to make sure that you're structuring 440 00:21:41,560 --> 00:21:47,280 Speaker 3: your legacy, your state plan properly, but also the things 441 00:21:47,280 --> 00:21:50,359 Speaker 3: that you should think about as well too, within that 442 00:21:50,440 --> 00:21:54,160 Speaker 3: whole conversation and a whole discussion on top of that, though, 443 00:21:54,240 --> 00:21:56,159 Speaker 3: one thing that I've found that a lot of people 444 00:21:57,400 --> 00:22:02,040 Speaker 3: miss or forget is actually spending the time with your 445 00:22:02,119 --> 00:22:04,879 Speaker 3: children to actually make sure that they're prepared to handle 446 00:22:04,960 --> 00:22:11,720 Speaker 3: this the pressure that you're handing over to your children 447 00:22:11,920 --> 00:22:15,600 Speaker 3: by handing over assets for example, Right, do they know 448 00:22:15,600 --> 00:22:17,360 Speaker 3: how to deal with those assets? Do they know how 449 00:22:17,359 --> 00:22:20,280 Speaker 3: to deal with uncomfortable conversations? Do they know how to 450 00:22:20,320 --> 00:22:23,800 Speaker 3: deal with I mean, there's a curse to the lottery 451 00:22:23,880 --> 00:22:28,040 Speaker 3: winner for a reason, right, there's a curse of being 452 00:22:28,040 --> 00:22:30,200 Speaker 3: in the spotlight for a reason. And not that you're 453 00:22:30,200 --> 00:22:33,680 Speaker 3: handing that to your children, but you are also, you know, 454 00:22:33,840 --> 00:22:36,960 Speaker 3: for some of us, the first time in history, handing 455 00:22:36,960 --> 00:22:40,280 Speaker 3: over a responsibility to them that you want to make 456 00:22:40,280 --> 00:22:42,399 Speaker 3: sure that they understand. You want to make sure it 457 00:22:42,400 --> 00:22:43,880 Speaker 3: doesn't crumble them or. 458 00:22:43,800 --> 00:22:45,920 Speaker 1: Crush that because I think about it, if I had 459 00:22:45,920 --> 00:22:47,520 Speaker 1: made a lot of money when I was younger, somebody 460 00:22:47,520 --> 00:22:48,440 Speaker 1: else is telling me this too. 461 00:22:48,440 --> 00:22:50,280 Speaker 4: I don't know where I'd be right now, because you might. 462 00:22:50,160 --> 00:22:53,160 Speaker 1: Have you know, it could end up being something negative 463 00:22:53,200 --> 00:22:55,479 Speaker 1: for you if you don't know how to handle it 464 00:22:55,520 --> 00:22:55,960 Speaker 1: at the time. 465 00:22:56,080 --> 00:22:58,119 Speaker 2: But people have such a hard time talking about this, 466 00:22:58,880 --> 00:23:01,600 Speaker 2: And I put this a lot on older generations because 467 00:23:01,640 --> 00:23:07,440 Speaker 2: when you talk to young generations and coaching mentoring collectors 468 00:23:07,480 --> 00:23:10,160 Speaker 2: I have with younger generations is really hitting me how 469 00:23:10,320 --> 00:23:11,960 Speaker 2: so many of them are saying they're not having kids 470 00:23:12,040 --> 00:23:14,240 Speaker 2: or stuff because they're carrying the weight of the one 471 00:23:14,320 --> 00:23:16,640 Speaker 2: day I'm going to be financially responsible for my parents 472 00:23:17,600 --> 00:23:21,879 Speaker 2: and their parents aren't doing things like Will's estate plans. 473 00:23:21,920 --> 00:23:24,680 Speaker 2: People don't like thinking about those things. Talking about those things. 474 00:23:24,880 --> 00:23:27,440 Speaker 2: You can be the best, save money for your kid, 475 00:23:27,520 --> 00:23:30,000 Speaker 2: to pass on generational wealth. Your whole life just takes 476 00:23:30,080 --> 00:23:33,520 Speaker 2: one in one instant. I always tell Angela, like, all 477 00:23:33,520 --> 00:23:36,360 Speaker 2: of a sudden, my father needed around the clock healthcare, 478 00:23:36,440 --> 00:23:37,440 Speaker 2: and all of a sudden. 479 00:23:37,240 --> 00:23:38,720 Speaker 4: That's money gone. 480 00:23:38,920 --> 00:23:41,560 Speaker 1: And they know how much money they have, and your host, 481 00:23:41,760 --> 00:23:43,520 Speaker 1: their whole retirement is gone from there. 482 00:23:43,880 --> 00:23:46,840 Speaker 4: And my friend had her mom that was you needed around. 483 00:23:46,600 --> 00:23:48,560 Speaker 1: The clock care and she was like Angela, she had 484 00:23:48,600 --> 00:23:51,280 Speaker 1: all this money and her retirement is all gone. 485 00:23:51,480 --> 00:23:54,840 Speaker 2: Yeah, just because of that fact, and people don't realize 486 00:23:54,840 --> 00:23:56,720 Speaker 2: that they're leaving their kids with the hot mess. 487 00:23:56,760 --> 00:23:59,520 Speaker 1: But how do you that's tell my mom, I was like, 488 00:23:59,560 --> 00:24:02,240 Speaker 1: please take If you don't, I'm gonna have to do 489 00:24:02,240 --> 00:24:04,240 Speaker 1: it because she's like whatever, it's like too much, I can't. 490 00:24:05,000 --> 00:24:05,560 Speaker 2: I'm mad. 491 00:24:05,960 --> 00:24:07,440 Speaker 1: I'm gonna have to deal with Trust me. It doesn't 492 00:24:07,480 --> 00:24:09,680 Speaker 1: just go away and disappear. Let's handle that now. 493 00:24:10,160 --> 00:24:12,080 Speaker 2: How do you? What do you say to people to 494 00:24:12,200 --> 00:24:14,639 Speaker 2: get them over that? Not wanting to look at it, 495 00:24:14,720 --> 00:24:16,320 Speaker 2: not wanting to talk to her kids about it. 496 00:24:16,320 --> 00:24:20,840 Speaker 3: Not But yes, I will say it's it's tough right again. 497 00:24:21,160 --> 00:24:24,200 Speaker 3: One thing I've learned, and I'm sure you all have 498 00:24:24,320 --> 00:24:26,719 Speaker 3: learned it as well too, is like you you can 499 00:24:26,800 --> 00:24:28,399 Speaker 3: lead a horse to water, but you can't force them 500 00:24:28,400 --> 00:24:30,639 Speaker 3: to drink, like the old adage says. And it's like, 501 00:24:31,160 --> 00:24:33,200 Speaker 3: I'm going to tell you need to have the conversation, 502 00:24:33,320 --> 00:24:35,439 Speaker 3: like there's so many people who also talk to me 503 00:24:35,480 --> 00:24:38,960 Speaker 3: about like, you know, I was awkward having these types 504 00:24:39,000 --> 00:24:41,480 Speaker 3: of money conversations with my partner and my spouse. What 505 00:24:41,520 --> 00:24:44,280 Speaker 3: are y'all married for? Then? What's going on here? Right? Like? 506 00:24:45,280 --> 00:24:48,960 Speaker 2: Ultimately comfortable with uncomfort. People are so afraid of. 507 00:24:48,920 --> 00:24:51,080 Speaker 1: It and uncomfortable for back walk in the bathroom after 508 00:24:51,119 --> 00:24:52,680 Speaker 1: you poop, and it thinks like that we should be 509 00:24:52,720 --> 00:24:53,960 Speaker 1: able to have a nice conversation. 510 00:24:54,760 --> 00:24:56,160 Speaker 3: What are we doing? 511 00:24:58,640 --> 00:25:00,200 Speaker 2: Nobody said that. 512 00:25:01,200 --> 00:25:04,000 Speaker 3: It's like, what are we really talking about then? Right, Like, 513 00:25:04,040 --> 00:25:08,320 Speaker 3: I mean, yes, they're uncomfortable conversations. Yes, no one wants 514 00:25:08,359 --> 00:25:10,680 Speaker 3: to have it. I don't like to have it at all, right, 515 00:25:11,119 --> 00:25:13,399 Speaker 3: but I know I need to have it. I know 516 00:25:13,480 --> 00:25:15,800 Speaker 3: I have to do it, and I know that most 517 00:25:15,800 --> 00:25:19,200 Speaker 3: of the best things in life usually there's a wall 518 00:25:19,240 --> 00:25:21,880 Speaker 3: of discomfort that you have to push through to make 519 00:25:21,920 --> 00:25:25,760 Speaker 3: them happen. And you can either decide to avoid it 520 00:25:25,880 --> 00:25:31,119 Speaker 3: and avoid the conversation, and unfortunately you will. The probability 521 00:25:31,200 --> 00:25:36,440 Speaker 3: says that you will leave your family dealing with guessing 522 00:25:36,480 --> 00:25:38,920 Speaker 3: what you wanted to happen with all your money when 523 00:25:38,960 --> 00:25:42,919 Speaker 3: your assets the government will likely take a third of 524 00:25:42,960 --> 00:25:44,280 Speaker 3: it as well too. 525 00:25:44,359 --> 00:25:46,800 Speaker 2: And you need to tell your kids these things like 526 00:25:46,840 --> 00:25:48,040 Speaker 2: this is what's going to happen this. 527 00:25:48,200 --> 00:25:50,600 Speaker 3: Yeah, you need to have the conversation. 528 00:25:51,080 --> 00:25:52,680 Speaker 4: As being left to you if it's not done in 529 00:25:52,720 --> 00:25:53,439 Speaker 4: the proper way. 530 00:25:53,560 --> 00:25:56,200 Speaker 3: Absolutely, And the thing is too you know, and I've 531 00:25:56,280 --> 00:25:58,880 Speaker 3: seen it in my own family. Is you know when 532 00:25:58,920 --> 00:26:03,239 Speaker 3: that unfortunately somebody passes away and if they don't have 533 00:26:03,280 --> 00:26:05,679 Speaker 3: their their affairs in order per se, then now the 534 00:26:05,800 --> 00:26:10,000 Speaker 3: children start to guess, and then that guests scene turns 535 00:26:10,040 --> 00:26:13,280 Speaker 3: into debates, and then that debates turns into art the 536 00:26:13,440 --> 00:26:18,160 Speaker 3: arguments what you think that such and such wanted done right? 537 00:26:18,200 --> 00:26:20,200 Speaker 3: And then that splinters the family even more. 538 00:26:20,560 --> 00:26:22,920 Speaker 1: Now you're not talking to your own family members. That 539 00:26:22,960 --> 00:26:24,920 Speaker 1: happens in real estate all the time. There's all these 540 00:26:24,960 --> 00:26:28,520 Speaker 1: brownstones in Brooklyn that a family member, you know, the mom, 541 00:26:28,600 --> 00:26:30,280 Speaker 1: the dad left to the kids and they have to 542 00:26:30,320 --> 00:26:32,720 Speaker 1: split it up. One person wants to sell, two people don't, 543 00:26:32,880 --> 00:26:34,960 Speaker 1: or one person's living there and they feel like they 544 00:26:35,000 --> 00:26:37,560 Speaker 1: should be able to content. It's just so much drama 545 00:26:37,640 --> 00:26:40,240 Speaker 1: that can happen. And the easy, the easiest way that 546 00:26:40,320 --> 00:26:42,800 Speaker 1: you can make that better is to make sure you're 547 00:26:42,880 --> 00:26:44,920 Speaker 1: very clear and what should happen. 548 00:26:44,960 --> 00:26:47,160 Speaker 2: And now with technology apps, you can do an outline 549 00:26:47,160 --> 00:26:49,560 Speaker 2: of a will in fifteen years. Yes, I mean it's 550 00:26:49,600 --> 00:26:53,240 Speaker 2: incredible how much that blows up. But before you get 551 00:26:53,280 --> 00:26:55,320 Speaker 2: out here, let's talk about people who have lots of 552 00:26:55,359 --> 00:26:56,320 Speaker 2: money athletes. 553 00:26:56,680 --> 00:26:59,880 Speaker 4: Yeah, and after that organ but made you even. 554 00:27:00,000 --> 00:27:01,760 Speaker 2: Start tell everybody about athletes. 555 00:27:02,320 --> 00:27:06,359 Speaker 3: Yeah, so athletes dot org founded by my co founder 556 00:27:06,400 --> 00:27:11,399 Speaker 3: now Jim caval and long story short, college athletes have 557 00:27:12,080 --> 00:27:16,040 Speaker 3: produced an amazing industry for a lot of people to 558 00:27:16,280 --> 00:27:18,879 Speaker 3: get wealthy and make money, and a lot of people 559 00:27:18,960 --> 00:27:20,800 Speaker 3: enjoy a lot of people get entertained by it as 560 00:27:20,800 --> 00:27:23,600 Speaker 3: well too. Unfortunately, the people get the shortest end of 561 00:27:23,680 --> 00:27:27,439 Speaker 3: the stick as well are college athletes. Right. It was 562 00:27:27,640 --> 00:27:31,240 Speaker 3: got Shabbaz Napier when they won the national championship years ago, 563 00:27:31,440 --> 00:27:33,359 Speaker 3: said the confetti was dropping. They're like, man, how do 564 00:27:33,359 --> 00:27:34,840 Speaker 3: you feel? He's like, hey, this is cool and all, 565 00:27:34,880 --> 00:27:37,680 Speaker 3: but I got to go home to bullsh after this, right, 566 00:27:38,119 --> 00:27:41,640 Speaker 3: And so my thing with college athletes and just in general, 567 00:27:42,119 --> 00:27:45,760 Speaker 3: it's like, how do you reward the people who are 568 00:27:46,000 --> 00:27:47,800 Speaker 3: producing front line everything. 569 00:27:48,200 --> 00:27:50,960 Speaker 1: The reason why you're making all this money is these 570 00:27:51,000 --> 00:27:53,879 Speaker 1: people and they was breaking news today? Can you tell 571 00:27:53,960 --> 00:27:56,359 Speaker 1: us that breaking news shound out while we were recording this? 572 00:27:56,520 --> 00:28:00,920 Speaker 3: Yes, So there's a monumental historic case House versus Ncublea. 573 00:28:01,080 --> 00:28:04,200 Speaker 3: Grant House is a swimmer. Former swimmer at Arizona State 574 00:28:04,320 --> 00:28:07,080 Speaker 3: University sued the Ncublea with a bunch of college athletes 575 00:28:07,119 --> 00:28:10,800 Speaker 3: and basically said, you all owe us money for utilizing 576 00:28:10,840 --> 00:28:14,359 Speaker 3: our name, image and likeness without our permission. And so, 577 00:28:14,720 --> 00:28:19,680 Speaker 3: for the first time in history, the NCUBA has settled 578 00:28:19,680 --> 00:28:23,600 Speaker 3: with athletes and agreed to pay athletes directly from their schools. 579 00:28:23,640 --> 00:28:26,520 Speaker 3: What that means is the University of Syracuse athletes will 580 00:28:26,520 --> 00:28:33,360 Speaker 3: be able to get a check from their schools Alabama. Yeah, exactly, exactly, 581 00:28:33,480 --> 00:28:38,440 Speaker 3: And this is huge. It's monumental because those are the 582 00:28:38,440 --> 00:28:42,280 Speaker 3: people who are reaping all the benefits and rewards, right 583 00:28:42,320 --> 00:28:46,360 Speaker 3: the contracts that happen with the conferences, the multi billion 584 00:28:46,400 --> 00:28:49,600 Speaker 3: dollar contracts. College football playoffs alone just did a I'm 585 00:28:49,640 --> 00:28:53,200 Speaker 3: gonna say, eight year, seven point eight billion dollar contract 586 00:28:53,360 --> 00:28:56,000 Speaker 3: right now. That seven point eight billion dollars is split 587 00:28:56,040 --> 00:28:58,960 Speaker 3: amongst the schools, the conferences, et cetera. Well, some of 588 00:28:58,960 --> 00:29:00,600 Speaker 3: that should be able to go to the athletes that 589 00:29:00,640 --> 00:29:03,000 Speaker 3: are actually on the field getting injured, getting hurt and 590 00:29:03,040 --> 00:29:06,280 Speaker 3: putting their their livelihoods and their careers on the line. 591 00:29:06,120 --> 00:29:09,800 Speaker 1: For the supression door, dealing with their families not you know, 592 00:29:09,840 --> 00:29:12,160 Speaker 1: it's crazy that you can have that added stress of 593 00:29:12,520 --> 00:29:15,200 Speaker 1: having to be concerned about, you know, your family and 594 00:29:15,240 --> 00:29:18,600 Speaker 1: yourself and paying for things. This is something that it's 595 00:29:18,640 --> 00:29:20,080 Speaker 1: going to be really helpful because there's a lot of 596 00:29:20,120 --> 00:29:21,400 Speaker 1: kids who also skipped. 597 00:29:21,080 --> 00:29:24,200 Speaker 4: College or it shaned you there for four years. 598 00:29:24,480 --> 00:29:26,840 Speaker 2: Yeah, right, Just so we were talking about that earlier. 599 00:29:26,880 --> 00:29:31,000 Speaker 2: It's I have a child who's a student athlete, and 600 00:29:31,080 --> 00:29:33,720 Speaker 2: when he started just a year ago, you know, everyone 601 00:29:33,760 --> 00:29:35,160 Speaker 2: was going for a year and then trying to get 602 00:29:35,160 --> 00:29:38,840 Speaker 2: an NBA contract. Oh No, people are coming to college. 603 00:29:38,880 --> 00:29:39,800 Speaker 2: They're wanting to stay in. 604 00:29:39,960 --> 00:29:42,840 Speaker 4: College and also make some money getting. 605 00:29:42,600 --> 00:29:46,320 Speaker 2: They're getting paid six figures. They're entrepreneurial, they're starting businesses. 606 00:29:46,760 --> 00:29:50,560 Speaker 2: So I see how those top ticket guys are making 607 00:29:50,840 --> 00:29:54,400 Speaker 2: millions and millions of dollars in college that we were 608 00:29:54,800 --> 00:29:57,040 Speaker 2: had a show a couple of months ago and we 609 00:29:57,080 --> 00:30:01,040 Speaker 2: brought up how American parents are spent what was it, 610 00:30:01,200 --> 00:30:05,080 Speaker 2: four hundred forty four billion, forty billion dollars a year 611 00:30:05,120 --> 00:30:08,800 Speaker 2: on youth sports, twenty percent of them forty billion out 612 00:30:08,800 --> 00:30:12,600 Speaker 2: of parents' pockets, twenty percent of them. We are taking 613 00:30:12,640 --> 00:30:16,280 Speaker 2: second jobs in overtime. The superstars are benefiting from this. 614 00:30:16,400 --> 00:30:18,880 Speaker 2: But how is this going to trickle down to the 615 00:30:18,920 --> 00:30:21,920 Speaker 2: people who actually made these money making athletes? 616 00:30:22,160 --> 00:30:24,800 Speaker 3: Yeah? I think that, well, trickle down to the parents 617 00:30:25,200 --> 00:30:26,640 Speaker 3: or like it. 618 00:30:26,800 --> 00:30:30,440 Speaker 2: It seems like it only benefits a few elite athletes. 619 00:30:30,640 --> 00:30:32,480 Speaker 1: Because there's going to be some students that don't make 620 00:30:32,520 --> 00:30:35,640 Speaker 1: it into professional sports absolutely, you know, also obviously the 621 00:30:35,680 --> 00:30:36,600 Speaker 1: majority of them will. 622 00:30:36,720 --> 00:30:39,480 Speaker 3: Yeah, yeah, well I think that that's so even coming back, So, 623 00:30:39,560 --> 00:30:41,560 Speaker 3: what athletes dot org is, because I explained how the 624 00:30:41,560 --> 00:30:43,640 Speaker 3: money working with the settlement was. What athletes dot Org 625 00:30:43,760 --> 00:30:47,800 Speaker 3: is is a players association for college athletes. And when 626 00:30:47,800 --> 00:30:50,280 Speaker 3: I was in the NFL, we had the NFL Players 627 00:30:50,320 --> 00:30:54,400 Speaker 3: Association actually just came from the MBPA, the National Basketball 628 00:30:54,440 --> 00:30:58,440 Speaker 3: Players Association. That is the group every pro league has 629 00:30:58,600 --> 00:31:03,440 Speaker 3: a union and a players association for that just advocates 630 00:31:03,440 --> 00:31:06,000 Speaker 3: and protects the interests of the players. What that players 631 00:31:06,040 --> 00:31:10,240 Speaker 3: Association does is it helps create standard contracts, minimum salaries, 632 00:31:10,280 --> 00:31:13,920 Speaker 3: minimum guarantees, things of that nature. College athletes don't have 633 00:31:14,240 --> 00:31:17,080 Speaker 3: any of that right now, which is why you see 634 00:31:17,240 --> 00:31:20,600 Speaker 3: so many college athletes who are being promised money that 635 00:31:20,640 --> 00:31:22,400 Speaker 3: they're never actually going to ever receive. 636 00:31:22,560 --> 00:31:23,360 Speaker 2: That's crazy. 637 00:31:23,440 --> 00:31:26,160 Speaker 3: Yeah, I mean that's happening all the time. Unfortunately, you 638 00:31:26,280 --> 00:31:29,520 Speaker 3: see so many I get whenever I had seven surgeries, 639 00:31:29,560 --> 00:31:31,960 Speaker 3: eight surgeries, excuse me, while playing in the NFL, and 640 00:31:32,040 --> 00:31:35,080 Speaker 3: whenever I had an injury, I was able to go 641 00:31:35,120 --> 00:31:38,240 Speaker 3: to another doctor, a second medical opinion, to make sure 642 00:31:38,240 --> 00:31:42,720 Speaker 3: that what they were saying was right. College athletes don't 643 00:31:42,720 --> 00:31:45,480 Speaker 3: have that right right, and so for us, our job 644 00:31:45,640 --> 00:31:49,600 Speaker 3: is to organize the athletes and allow for them to 645 00:31:49,840 --> 00:31:54,080 Speaker 3: sit into their own many negotiations, not many, huge, multi 646 00:31:54,080 --> 00:31:58,280 Speaker 3: billion dollar negotiations against their schools so that they can 647 00:31:58,320 --> 00:32:01,960 Speaker 3: make sure that they're getting the maximum value that they 648 00:32:01,960 --> 00:32:04,760 Speaker 3: should get from this deal. So next year follow twenty 649 00:32:04,800 --> 00:32:06,600 Speaker 3: twenty five, every school will be able to pay up 650 00:32:06,640 --> 00:32:09,240 Speaker 3: to twenty two point one million dollars or twenty three 651 00:32:09,280 --> 00:32:13,640 Speaker 3: point one million dollars to their athletes. That year it'll increase, 652 00:32:13,880 --> 00:32:17,200 Speaker 3: but up to twenty thirty four to twenty thirty four, 653 00:32:17,200 --> 00:32:21,040 Speaker 3: it'll crease up to about thirty three million dollars per school. 654 00:32:21,080 --> 00:32:23,360 Speaker 3: So this is over twenty billion dollars that the top 655 00:32:23,400 --> 00:32:25,840 Speaker 3: schools will be able to share with their athletes over 656 00:32:25,880 --> 00:32:29,080 Speaker 3: the next ten years alone. It's a huge opportunities of 657 00:32:29,360 --> 00:32:32,920 Speaker 3: renaissance for athletes to be making money before they ever 658 00:32:33,000 --> 00:32:34,320 Speaker 3: go to the league. And if they don't go to 659 00:32:34,320 --> 00:32:35,000 Speaker 3: the league, they. 660 00:32:34,880 --> 00:32:37,000 Speaker 2: Can they still be good at college and they'll be 661 00:32:37,040 --> 00:32:40,000 Speaker 2: college educated. Yeah, college is popular or good. 662 00:32:40,560 --> 00:32:43,520 Speaker 3: Amen. But to get to your point, like like you said, 663 00:32:43,880 --> 00:32:47,320 Speaker 3: the stars, the stars are the stars, right, Like that 664 00:32:47,440 --> 00:32:50,160 Speaker 3: is there's only one Lebron and there's only one Stacy Tisdale. 665 00:32:50,200 --> 00:32:52,760 Speaker 3: There's only one Angelie, right, like y'all are going to 666 00:32:52,800 --> 00:32:55,600 Speaker 3: eat right, it is what it is. There's certain people 667 00:32:55,600 --> 00:32:57,800 Speaker 3: who are who are up there. I was an undrafted 668 00:32:57,800 --> 00:33:00,160 Speaker 3: free agent. I was bottom of the totem pole in 669 00:33:00,160 --> 00:33:04,400 Speaker 3: in the NFL. But because I had minimum contracts, because 670 00:33:04,480 --> 00:33:06,720 Speaker 3: I had certain protections in place that wouldn't allow the 671 00:33:06,720 --> 00:33:09,440 Speaker 3: team to get over on me, I've been able to 672 00:33:09,520 --> 00:33:12,959 Speaker 3: change my family's life forever as a result of some 673 00:33:13,000 --> 00:33:16,479 Speaker 3: of those structures in place. Again, right now there is 674 00:33:16,920 --> 00:33:20,480 Speaker 3: no structure. So when college athletes actually have that organization 675 00:33:20,880 --> 00:33:25,400 Speaker 3: called Athletes dot Org, that is their protection. It's going 676 00:33:25,480 --> 00:33:28,240 Speaker 3: to continue to move the needle for everybody. 677 00:33:28,440 --> 00:33:33,440 Speaker 2: You're so smart, you're a financial literacy advocate educator, and 678 00:33:33,480 --> 00:33:36,320 Speaker 2: you also have a foundation beyond the basics. Talk about 679 00:33:36,320 --> 00:33:39,000 Speaker 2: that and how people can actually work with you in 680 00:33:39,440 --> 00:33:40,680 Speaker 2: your curriculum and everything. 681 00:33:40,760 --> 00:33:44,440 Speaker 3: Thank you, No, I appreciate it. Beyond the basics, bTB. 682 00:33:44,720 --> 00:33:47,400 Speaker 3: That is the foundation of my wife and I started 683 00:33:48,160 --> 00:33:51,360 Speaker 3: years ago. It was to help young people realize their 684 00:33:51,360 --> 00:33:54,520 Speaker 3: full potential. Always tell people, I thank you, thank you 685 00:33:54,520 --> 00:33:57,080 Speaker 3: for the compliment that I'm smart. I appreciate it. God 686 00:33:57,160 --> 00:34:01,520 Speaker 3: gave me ambition unlike any other. He gave me curiosity. 687 00:34:01,640 --> 00:34:05,840 Speaker 3: He gave me brains as well too. But I am 688 00:34:06,040 --> 00:34:07,920 Speaker 3: smart enough to also know. I just happened to be 689 00:34:07,960 --> 00:34:09,920 Speaker 3: in the right places at the right time to have 690 00:34:10,239 --> 00:34:12,719 Speaker 3: mentors like my coach who said, yeah, come on, I'll 691 00:34:12,719 --> 00:34:15,200 Speaker 3: show you this. To be able to go to a 692 00:34:15,200 --> 00:34:17,160 Speaker 3: school like Penn and the Work School of Business, and 693 00:34:17,560 --> 00:34:20,040 Speaker 3: to come home one summer and while I was back 694 00:34:20,080 --> 00:34:24,359 Speaker 3: home doing a couple of odd jobs, but training when 695 00:34:24,400 --> 00:34:26,440 Speaker 3: I came home, when I came back to school, and 696 00:34:26,480 --> 00:34:28,719 Speaker 3: everybody's like, man, I interned at this company. In turn 697 00:34:28,800 --> 00:34:30,040 Speaker 3: this company, I was like, you know what, I'm giving 698 00:34:30,040 --> 00:34:32,200 Speaker 3: me an internship too. I'm trying to go with ubs. 699 00:34:32,280 --> 00:34:35,200 Speaker 3: Let me see, right. So I had exposure and a 700 00:34:35,239 --> 00:34:36,960 Speaker 3: lot of There are a lot of people in this world, 701 00:34:36,960 --> 00:34:40,440 Speaker 3: young people especially, who have so much ambition, so much talent, 702 00:34:41,160 --> 00:34:44,719 Speaker 3: but they don't have exposure anyone that'll take the blinders 703 00:34:44,719 --> 00:34:46,640 Speaker 3: off of them. And so that's what we specialize in 704 00:34:46,680 --> 00:34:48,239 Speaker 3: and that's what we do, and we do this through 705 00:34:48,400 --> 00:34:51,520 Speaker 3: we use certain tent pole events. We have football camps 706 00:34:51,560 --> 00:34:53,480 Speaker 3: in the summer. Of course I'm a football player, so 707 00:34:53,520 --> 00:34:55,719 Speaker 3: I got to do that. But then we also have 708 00:34:56,160 --> 00:34:59,840 Speaker 3: an event coming up soon actually called December to remember 709 00:35:00,080 --> 00:35:02,759 Speaker 3: Remembers of shopping spree for kids across the country. We 710 00:35:03,160 --> 00:35:07,200 Speaker 3: last year we did eleven different cities, over twenty NFL 711 00:35:07,239 --> 00:35:09,680 Speaker 3: players were involved in different team cities, and we took 712 00:35:09,800 --> 00:35:13,160 Speaker 3: over seven hundred and fifty kids shopping, gave away over 713 00:35:13,200 --> 00:35:15,360 Speaker 3: one hundred grand. That's amazing, So all those kids, and 714 00:35:15,400 --> 00:35:17,719 Speaker 3: so this year we're gonna do the same thing. But again, 715 00:35:17,840 --> 00:35:20,279 Speaker 3: all of those are like catalysts to find the right 716 00:35:20,400 --> 00:35:26,719 Speaker 3: kids who have that spark, that ambition and they want 717 00:35:26,719 --> 00:35:29,239 Speaker 3: more for themselves. And then how can we provide more 718 00:35:29,280 --> 00:35:32,040 Speaker 3: infrastructure and support around them to give them opportunities to 719 00:35:33,080 --> 00:35:38,280 Speaker 3: shadow people who are in in the field of their dreams. 720 00:35:38,480 --> 00:35:40,759 Speaker 1: Yeah, that would definitely put a spark that like it 721 00:35:40,760 --> 00:35:41,319 Speaker 1: did for you. 722 00:35:41,440 --> 00:35:41,800 Speaker 3: Amen. 723 00:35:42,080 --> 00:35:42,560 Speaker 2: Excellent. 724 00:35:42,560 --> 00:35:44,399 Speaker 1: Well your Money playbook, which by the way, was number 725 00:35:44,440 --> 00:35:47,680 Speaker 1: one on Amazon, so congratulations on that. It's only been 726 00:35:47,719 --> 00:35:49,560 Speaker 1: out for not even a month yet. 727 00:35:49,440 --> 00:35:51,920 Speaker 3: Yeah, not even a month month later on the spreet So. 728 00:35:51,920 --> 00:35:53,440 Speaker 2: People can go to Amazon to get that. 729 00:35:53,680 --> 00:35:56,359 Speaker 3: Yeah, you go to your Money Playbook dot com and 730 00:35:56,400 --> 00:35:59,480 Speaker 3: you can purchase it. There's multiple places you can get 731 00:35:59,480 --> 00:36:01,520 Speaker 3: it at. But yeah, your Money Playbook dot Com. 732 00:36:01,640 --> 00:36:03,600 Speaker 4: And the baby came the same week that this was. 733 00:36:05,840 --> 00:36:07,080 Speaker 3: His accounts already set up. 734 00:36:08,000 --> 00:36:11,880 Speaker 2: There you go, go and follow Brandon at b cope 735 00:36:11,960 --> 00:36:12,600 Speaker 2: fifty one. 736 00:36:13,040 --> 00:36:14,960 Speaker 1: Yeah, this was amazing. I got to ask you one 737 00:36:15,000 --> 00:36:16,600 Speaker 1: last thing. What was your favorite city to play in? 738 00:36:17,200 --> 00:36:17,359 Speaker 3: Oh? 739 00:36:17,520 --> 00:36:18,560 Speaker 4: What was your favorite team? 740 00:36:18,600 --> 00:36:22,120 Speaker 3: So I'm gonna give you two answers. One New York, 741 00:36:23,840 --> 00:36:27,279 Speaker 3: New York. You know it's nothing like New York. Baltimore, 742 00:36:27,640 --> 00:36:30,239 Speaker 3: that's where you're That's where I'm from, Baltimore Ravens and 743 00:36:30,760 --> 00:36:35,360 Speaker 3: yeah you couldn't. That city just knows football, like especially 744 00:36:35,400 --> 00:36:38,600 Speaker 3: a defensive player. You're treated like an offensive player in Baltimore. 745 00:36:38,719 --> 00:36:40,800 Speaker 3: So I mean, not treat like Lamar Jackson. 746 00:36:40,840 --> 00:36:44,160 Speaker 2: But when we all say a collective prayer before you 747 00:36:44,239 --> 00:36:49,200 Speaker 2: go for my New York football team, give those to 748 00:36:49,239 --> 00:36:54,160 Speaker 2: the Giants yesterday. 749 00:36:55,040 --> 00:36:56,800 Speaker 1: All right, Well, thank you so much your Money Playbook 750 00:36:56,800 --> 00:36:58,800 Speaker 1: How to Earn More, Build Wealth, and to Win it Life. 751 00:36:59,120 --> 00:37:01,000 Speaker 2: Brandon Copeland, thank you so much for joining 752 00:37:01,080 --> 00:37:04,239 Speaker 3: Us way up