WEBVTT - How Many Lives Must We Lose?!

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<v Speaker 1>What's that family is your girl to make a d

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<v Speaker 1>Mallory and then your boy and my son and general

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<v Speaker 1>and we are your hosts of street politicians, the place

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<v Speaker 1>where the streets and politics meets. What's up the streets.

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<v Speaker 1>We don't have a little streets like the girl in

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<v Speaker 1>the I guess you know what. The other day I

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<v Speaker 1>went to check like something. I don't know if it

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<v Speaker 1>was banking or some important act that I have, and

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<v Speaker 1>my gender was pre selected as gender nonconforming. And I

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<v Speaker 1>was like, it's very interesting that someone that the system

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<v Speaker 1>shows that for me. Yeah. I was just there. I'm

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<v Speaker 1>like that, I mean, you know, obviously I'll support our

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<v Speaker 1>gender knock conformant, but I still would like to choose female,

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<v Speaker 1>and they put not gender knock conform and I was

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<v Speaker 1>sticking to myself, this is it's interesting that it's a preselection.

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<v Speaker 1>Yet it is interesting that not only is their preselection,

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<v Speaker 1>but the preselection something that it's so many things that's

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<v Speaker 1>been happening I've had. Let me tell you something, my son,

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<v Speaker 1>this is what I have learned. You have to be

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<v Speaker 1>really really on top of your business, because at one

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<v Speaker 1>point someone was um charging or moving somehow payments or

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<v Speaker 1>money in in increments of nineteen thousands of change from

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<v Speaker 1>my account, but the system was blocking them, and then

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<v Speaker 1>I had to put these controls on my account that

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<v Speaker 1>stops everything. So now every damn thing I do, things

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<v Speaker 1>are not going. You know, I gotta go in, I

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<v Speaker 1>gotta click the thing and agree to this payment. Because

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<v Speaker 1>this was happening over some time, and if it was

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<v Speaker 1>not for the fact that the system was kicking it back,

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<v Speaker 1>it would have been gone. Because however, this person or

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<v Speaker 1>this whatever it is, had the situation set up. It

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<v Speaker 1>was like working like because you could see the money

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<v Speaker 1>was coming out of my available balance. It was like

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<v Speaker 1>really something serious. And they did it more than one time.

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<v Speaker 1>Oh I know how to how how we found out

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<v Speaker 1>there wasn't nineteen thousand dollars in there at one point,

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<v Speaker 1>so there was like a negative thing and I'm like,

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<v Speaker 1>what is what is this? I would you know, I

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<v Speaker 1>didn't try to spend that kind of money, And it

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<v Speaker 1>was actually because they had and they had tried before. No,

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<v Speaker 1>they never got it. Each time it did not clear.

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<v Speaker 1>But this time there was more of an alert because

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<v Speaker 1>it holds it for two days and then it'll bounce

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<v Speaker 1>back in so that happen, and I obviously didn't know,

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<v Speaker 1>right because you know how you try to leave your

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<v Speaker 1>money and don't freaking spend it like this is the

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<v Speaker 1>biggest challenge in my life is not spending your money,

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<v Speaker 1>trying to save my money. And so I didn't I

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<v Speaker 1>wasn't checking. And then the next time, because of the

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<v Speaker 1>fact that there was not enough money to cover that

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<v Speaker 1>type of transaction, is set off other alerts that I have,

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<v Speaker 1>and they sent me messages and I'm like what nineteen,

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<v Speaker 1>Like you know, it was like the apocalypse happened in

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<v Speaker 1>my life, Like what are you talking about? And when

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<v Speaker 1>I went and then you know, they look back and

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<v Speaker 1>they saw. So the point is that you have to

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<v Speaker 1>check your balance regularly. You gotta check your balance. You

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<v Speaker 1>have to make sure you know exactly how much money

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<v Speaker 1>you have in your in the bank and your investment accounts.

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<v Speaker 1>You know, now investment accounts is a little bit different

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<v Speaker 1>because I've been told you kind of put it, leave

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<v Speaker 1>it and just let it grow. But every now and

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<v Speaker 1>then you still need to check to see what's going on,

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<v Speaker 1>because you know, you have to. You have to know,

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<v Speaker 1>like you might have made a whole lot of money

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<v Speaker 1>too and have no idea that you're you're up, and

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<v Speaker 1>if you up, some people feel like, while I'm up,

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<v Speaker 1>let me take at least what I put in out

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<v Speaker 1>or some portion of what I put in out and

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<v Speaker 1>leave the rest, you know, and leave and leave the rest.

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<v Speaker 1>So you know, it's it's you have to be. You

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<v Speaker 1>have to monitor. You can't just in the game with

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<v Speaker 1>two toes like you have to be in it all

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<v Speaker 1>the way. And it's a lot of things. Taking care

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<v Speaker 1>of your body, taking care of you know, your your everything,

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<v Speaker 1>your job. It's a lot of responsibility. So it is,

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<v Speaker 1>and it's a lot. Being grown is the hardest job

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<v Speaker 1>in that yo. It's just remember I could do what

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<v Speaker 1>I want to do now, I don't want to do

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<v Speaker 1>none of the ship that I want to do because

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<v Speaker 1>I want to do coach with payments, spending money in it.

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<v Speaker 1>It's like it's like every day out and then getting

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<v Speaker 1>up at a certain time and doing this man and

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<v Speaker 1>being doing this, and if you don't do what, you're nothing.

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<v Speaker 1>And when you yell, you could just sleep or whatever,

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<v Speaker 1>or you can have days to open the food seal

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<v Speaker 1>was gonna get on the table and we'll get done.

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<v Speaker 1>And you didn't. You thought like we just told the

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<v Speaker 1>magic card. Imagine it was different. The little kid on

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<v Speaker 1>Instagram he's like, um, he's like, yeah, you know, Mom,

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<v Speaker 1>just the car, the free money on the car you

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<v Speaker 1>give them the card is magic. No, it's not, it's not.

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<v Speaker 1>It's not. And as I prepared to be a grandma

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<v Speaker 1>and you are already a grand ca your g pop. Yeah,

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<v Speaker 1>I'm gonna be grandma. I just look at the young

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<v Speaker 1>people that are having these children, and I and my mom,

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<v Speaker 1>you know, my mom is you know, I'm honestly realist,

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<v Speaker 1>and I'm like these young kids, I'm I'm like, the kids,

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<v Speaker 1>ain't that y'all? They're twenty three years old? That is

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<v Speaker 1>not that young. Eighteen That was y'all seventeen sixteen three.

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<v Speaker 1>These are people have to stand on up and dan

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<v Speaker 1>do they visit? And I said, I don't think they

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<v Speaker 1>can do She said, well, why could you do? I

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<v Speaker 1>don't come I could do it? What do you mean

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<v Speaker 1>the world does it. They're gonna do it. They're gonna

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<v Speaker 1>do it. But I feel for them because they don't

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<v Speaker 1>he approcreating and they're gonna figure it out. It's on

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<v Speaker 1>the job training training, Like you're gonna have to figure

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<v Speaker 1>it out. You're gonna get a couple of shitty pampers.

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<v Speaker 1>You're gonna be not sleep, you're gonna be stressed out,

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<v Speaker 1>you will miss you. You want to do that. There's enough.

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<v Speaker 1>But they got they showed a baby. There's a little

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<v Speaker 1>video there's the guys lifting his baby up. He's so cute,

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<v Speaker 1>and the baby pistons everywhere out the pan the pampers on.

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<v Speaker 1>But you know, if you have the baby a board

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<v Speaker 1>a male child's penis the wrong way in the pamper,

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<v Speaker 1>then come out of that ship. I don't have a

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<v Speaker 1>couple of those pampers when everywhere you could close, it's

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<v Speaker 1>a lot. And that's the that. If it was just

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<v Speaker 1>peeing on you and pooping on you, that be fine.

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<v Speaker 1>It's a whole other situation. It's crying. It's got to

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<v Speaker 1>feed is you don't know why they're crying, hysterically crying.

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<v Speaker 1>It's all types of ship. You're just trying to figure

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<v Speaker 1>it out there. There's so much to happen. So what

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<v Speaker 1>is going on? I tell you so? First of all,

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<v Speaker 1>helped me understand this the sex trafficking thing that happened

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<v Speaker 1>in Georgia. Okay, so this this is what I don't understand.

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<v Speaker 1>Let me, let me, let me get this straight, because

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<v Speaker 1>I really need it to be. But I don't need

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<v Speaker 1>to just because I don't say that. Okay, So so

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<v Speaker 1>I just you know, we have things. Shout out to

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<v Speaker 1>Precious who gives us a strong rundown so we can

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<v Speaker 1>be on point and not just talking. Did the Georgia

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<v Speaker 1>Sheriff's Department went to They had been monitoring a ring,

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<v Speaker 1>a sex trafficking ring, so they went to bust the

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<v Speaker 1>ring at the same time, a deputy sheriff. This car

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<v Speaker 1>couldn't make it from Okay, so maybe they went they

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<v Speaker 1>went to Florida. Right, they had to let me see

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<v Speaker 1>where did they go? Right? Okay, okay, okay, so they

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<v Speaker 1>from Georgia. But somehow another this thing, this sex trafficking

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<v Speaker 1>ring goes. It stretches all the way to Florida exactly.

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<v Speaker 1>So Georgia to Florida, across state lines. So he was

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<v Speaker 1>going to a conference and they said his car. He

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<v Speaker 1>didn't think his car could make the trip, so he

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<v Speaker 1>took an official car. But he had already been set

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<v Speaker 1>up by the somebody, you know, a detective who was

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<v Speaker 1>texting with him, setting up prostitution, sex work, and the

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<v Speaker 1>person was gonna see him. I think he made I

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<v Speaker 1>don't anyway, I don't want to add any extra. So

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<v Speaker 1>he was talking to this person, so they set it up.

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<v Speaker 1>He had liquor for the person in the car looking

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<v Speaker 1>for himself, and he was on his way to go

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<v Speaker 1>meet this individual. And then when he got there, they

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<v Speaker 1>busted him. Now here's what I'm trying to understand because

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<v Speaker 1>I'm not really clear. Because then they I think they

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<v Speaker 1>suspended him until until further notice. He wasn't like immediately fired.

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<v Speaker 1>So I told you. Now, he has the alcohol and

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<v Speaker 1>stuff in his car in the in there, in the

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<v Speaker 1>official car, so that's automatically you get in trouble for that.

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<v Speaker 1>So he he makes his phone calls, does whatever. So

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<v Speaker 1>then when they when he gets there, because he was

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<v Speaker 1>supposed to pay I think a hundred and twenty dollars

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<v Speaker 1>for sex and then and then, but he ended up

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<v Speaker 1>offering a hundred and eighty dollars or something later on,

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<v Speaker 1>so the price went up, went up a couple of dollars.

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<v Speaker 1>He said he wanted the full treatment. This is the

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<v Speaker 1>police in the car in the in he's the deputy chief.

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<v Speaker 1>So they catch him, and um, you know, and and

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<v Speaker 1>so he becomes a part of this ring. Now here's

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<v Speaker 1>what I'm trying to figure out. And this may be

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<v Speaker 1>a part of his leaving defense, right because the title

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<v Speaker 1>of the story and how I keep seeing it, it's

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<v Speaker 1>a little like, I'm not clear just because you went

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<v Speaker 1>somewhere to buy sex, which is that you're you know,

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<v Speaker 1>you on the job official and you're in the official car,

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<v Speaker 1>and that's not supposed to happen, and I'm sure there

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<v Speaker 1>has charges and whatnot. How does that apply to the

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<v Speaker 1>sex trafficking thing, other than the fact that where he

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<v Speaker 1>was going to get the sex was clearly from some

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<v Speaker 1>ring that had been set up that they were selling

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<v Speaker 1>these girls. Boy, well, I guess it's it's a ring, right,

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<v Speaker 1>So they were able to say that, they were able

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<v Speaker 1>to say two women to women, So obviously whoever was

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<v Speaker 1>trafficking these women, they was following them and that led them.

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<v Speaker 1>So he was just happy to be he was part

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<v Speaker 1>of the ring because they were kidnapping girls, trafficking them

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<v Speaker 1>and then selling them for sex. So how are you

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<v Speaker 1>a part of the ring just because you went to

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<v Speaker 1>get the sex from the ring, but you don't know

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<v Speaker 1>it's a ring, but you do know it's it's I mean,

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<v Speaker 1>you know it's illegal, but you don't got to know

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<v Speaker 1>it's a sex track. That's what I'm saying that you're

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<v Speaker 1>part of the six trafficking ring because it's a whole ring.

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<v Speaker 1>That's what they say. It's a ring. It's goes around

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<v Speaker 1>and goes you find trafficking. Did you sell a comes back?

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<v Speaker 1>The money comes back or whatever it is, you know,

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<v Speaker 1>so it's a whole ring. And they also not only

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<v Speaker 1>did they find him and caught him, but they got

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<v Speaker 1>some teeth, math teacher, they got physical and teacher and

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<v Speaker 1>some Disney workers. So they a lot of people that

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<v Speaker 1>are caught up. They said sixty people was caught up

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<v Speaker 1>in this um week long stick. Wow. Yeah, Well I think,

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<v Speaker 1>you know, I don't think that sex trafficking, that that

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<v Speaker 1>that that particular charge is gonna stick to him unless

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<v Speaker 1>they can prove that he knew that that's what. Well,

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<v Speaker 1>I don't think he's been charged with. So I think

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<v Speaker 1>he's been charged with. Okay, so a sex trafficking bust ring,

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<v Speaker 1>it's a whole wing causes them to learn of people.

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<v Speaker 1>Now because I was really like you know, reading its fundament.

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<v Speaker 1>That's what and that's what they do. They say seized,

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<v Speaker 1>they say the word sex trafficking, and now it looks

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<v Speaker 1>like you he just kidnapped. Yeah, very well, not just

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<v Speaker 1>kidnapped and coherting. There's a lot of ways that sex

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<v Speaker 1>trafficking happens. So anyway, you know, this is just really crazy.

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<v Speaker 1>And Sir Disney work Disney, and you know, you know

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<v Speaker 1>that's around there. He hasn't even lost his job yet

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<v Speaker 1>they say he's suspend it. I'm like, you're talking about

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<v Speaker 1>but that's not It's not cool. Any of it's cool.

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<v Speaker 1>I'm just saying, prostitution is the oldest profession, but not

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<v Speaker 1>if you're being forced to do. That's what I'm saying.

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<v Speaker 1>You know, they don't have anything they can say that

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<v Speaker 1>he knows, we don't know that. Maybe when the Disney

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<v Speaker 1>World game brought me to you know, another thing about

0:13:29.000 --> 0:13:36.559
<v Speaker 1>people being mad about Hayley Baby Haley, Haley Bailey being

0:13:36.600 --> 0:13:45.160
<v Speaker 1>I was calling honey Bury, you know what, Bailey Bailey

0:13:45.160 --> 0:13:48.800
<v Speaker 1>girls the point. But they're mad because she's the new

0:13:48.960 --> 0:13:52.800
<v Speaker 1>little moment white white white people. Man, this is a disgrace.

0:13:53.120 --> 0:13:55.800
<v Speaker 1>You know, they've got a black people mermaid and I

0:13:55.920 --> 0:13:57.839
<v Speaker 1>see the home posted that that made me laugh, for

0:13:58.280 --> 0:14:01.320
<v Speaker 1>I assisted do want to talk this page what she said?

0:14:01.400 --> 0:14:04.400
<v Speaker 1>They mad's a little mermaid black? Wait till they find

0:14:04.400 --> 0:14:08.240
<v Speaker 1>out the Jesus well, they already black. That's why they

0:14:08.280 --> 0:14:10.679
<v Speaker 1>don't want the mermaid to be black. But I like

0:14:10.880 --> 0:14:14.920
<v Speaker 1>the means that say. You know, they're upset because a fish,

0:14:16.559 --> 0:14:19.800
<v Speaker 1>a woman that is part fish, who sits in to

0:14:19.920 --> 0:14:22.680
<v Speaker 1>see her best friend is to talk and crap. They're

0:14:22.720 --> 0:14:26.200
<v Speaker 1>mad because they don't want that to be black. I mean,

0:14:26.360 --> 0:14:29.920
<v Speaker 1>we just kept such a hard time now speaking those things.

0:14:30.000 --> 0:14:32.480
<v Speaker 1>That's funny, but not funny. Let't tell you what happens

0:14:32.480 --> 0:14:40.480
<v Speaker 1>to me. You know you know that I am working

0:14:40.600 --> 0:14:44.960
<v Speaker 1>on how I respond to em. But I'm trying to

0:14:45.120 --> 0:14:51.200
<v Speaker 1>understand in my thought of the day, is customer service done?

0:14:51.600 --> 0:14:56.400
<v Speaker 1>Maybe COVID has created a situation with no no no

0:14:56.520 --> 0:14:59.160
<v Speaker 1>no no no no day is a no no. Our

0:14:59.240 --> 0:15:02.960
<v Speaker 1>production team Ojen is over there will tell you that

0:15:04.680 --> 0:15:12.200
<v Speaker 1>customer service has diminished or decreased greatly. As a leader,

0:15:12.760 --> 0:15:20.000
<v Speaker 1>It's really it's sad. Now I go into Chippotle, get

0:15:20.120 --> 0:15:27.280
<v Speaker 1>me a little bit, and a young man who a

0:15:27.440 --> 0:15:30.800
<v Speaker 1>nice looking young man. You know he's in there. First

0:15:30.840 --> 0:15:33.840
<v Speaker 1>thing I've walked in. There's a black woman and she's

0:15:33.920 --> 0:15:37.440
<v Speaker 1>just as funny and you know, and just she's making

0:15:37.440 --> 0:15:41.560
<v Speaker 1>everybody less lunchtime. Everybody's laughing and talking. She's like, she's

0:15:41.600 --> 0:15:43.400
<v Speaker 1>telling the guy right in front of me, you know,

0:15:43.520 --> 0:15:45.640
<v Speaker 1>you caught me all the time, you get the same boat.

0:15:45.720 --> 0:15:49.080
<v Speaker 1>But then there's another guy, you know. They they she's talking.

0:15:49.240 --> 0:15:51.640
<v Speaker 1>She's like, I gotta remember which money, y'all. And everybody's talking,

0:15:51.640 --> 0:15:55.000
<v Speaker 1>everybody's laughing. It's a good thing. So I asked him

0:15:55.120 --> 0:15:58.800
<v Speaker 1>to do something particular for my boat, which I always

0:15:58.880 --> 0:16:02.120
<v Speaker 1>have and I mean always. Anybody that goes to get

0:16:02.240 --> 0:16:04.600
<v Speaker 1>me about everybody knows this is one thing that I

0:16:04.720 --> 0:16:07.400
<v Speaker 1>like them to do. And it's not unusual. People do

0:16:07.440 --> 0:16:11.080
<v Speaker 1>it all the time. He says to me at first,

0:16:11.120 --> 0:16:15.560
<v Speaker 1>and the woman, the black woman, tells the young man, oh,

0:16:15.640 --> 0:16:18.120
<v Speaker 1>all you have to do to fulfill what I'm asking

0:16:18.200 --> 0:16:21.000
<v Speaker 1>for is this one little thing. And she we move on,

0:16:22.040 --> 0:16:24.520
<v Speaker 1>and I'm still over there minding their business because the

0:16:24.600 --> 0:16:28.800
<v Speaker 1>ladies making everybody lack. I turned around and noticed that

0:16:28.840 --> 0:16:31.320
<v Speaker 1>he didn't do the thing, so I say, oh, you know,

0:16:32.040 --> 0:16:34.040
<v Speaker 1>oh you know, I'm thinking he just forgot or whatever,

0:16:34.080 --> 0:16:36.400
<v Speaker 1>and said, oh, could you please, um, you know, make

0:16:36.400 --> 0:16:37.880
<v Speaker 1>sure you do that. He says, I'm not doing that,

0:16:39.640 --> 0:16:46.280
<v Speaker 1>and I said, okay, I said why not? Like what

0:16:46.360 --> 0:16:49.320
<v Speaker 1>do you mean? He said, I'm not doing it. I said, okay,

0:16:49.440 --> 0:16:52.560
<v Speaker 1>I said, you know what, because again I'm trying to

0:16:52.680 --> 0:16:55.680
<v Speaker 1>work on how I did what. I said, can you

0:16:55.840 --> 0:16:58.240
<v Speaker 1>get your managers? Because I know this is a simple

0:16:58.360 --> 0:17:00.120
<v Speaker 1>thing and the manage will come and do it. I

0:17:00.240 --> 0:17:03.600
<v Speaker 1>know that. I said, can you get your manager? The

0:17:04.200 --> 0:17:06.480
<v Speaker 1>he says, no, you go over there and talk to

0:17:06.600 --> 0:17:11.040
<v Speaker 1>him yourself. And I'm not looking at him, like what

0:17:11.200 --> 0:17:15.320
<v Speaker 1>exactly is happening? But when he says that, the first

0:17:15.320 --> 0:17:18.399
<v Speaker 1>of all, the black woman is confused as hell, like

0:17:18.640 --> 0:17:22.399
<v Speaker 1>what happened here? But also the man behind me, to

0:17:22.560 --> 0:17:25.119
<v Speaker 1>his credit, the white man behind me goes what, like

0:17:25.280 --> 0:17:28.119
<v Speaker 1>why is what is going on? What's the problem? So

0:17:28.400 --> 0:17:31.360
<v Speaker 1>he says, you go over there, I got another customer.

0:17:31.440 --> 0:17:35.680
<v Speaker 1>You can move over. I said, okay, wait, I'm not

0:17:35.840 --> 0:17:38.680
<v Speaker 1>sure who you're talking to, right, And the first time

0:17:38.720 --> 0:17:40.879
<v Speaker 1>I said, I said, I'm a customer. I don't have

0:17:41.000 --> 0:17:44.000
<v Speaker 1>to walk over there to get anybody. The managers. You

0:17:44.200 --> 0:17:46.560
<v Speaker 1>need to go get the manager and tell him or

0:17:46.680 --> 0:17:48.400
<v Speaker 1>her to come over and talk to me, he said,

0:17:48.400 --> 0:17:49.680
<v Speaker 1>but I'm not doing that. I said, well, who the

0:17:49.800 --> 0:17:55.840
<v Speaker 1>funk do you think you're talking to when you said customer, motherfucker?

0:17:56.000 --> 0:17:59.680
<v Speaker 1>Oh absolutely, I said, who then do you think you're talking?

0:17:59.760 --> 0:18:03.000
<v Speaker 1>I'm you. But as he says, he's talking to me

0:18:04.160 --> 0:18:06.200
<v Speaker 1>in the most nasty boys he could come up with.

0:18:06.600 --> 0:18:09.480
<v Speaker 1>The manager is coming and it's listening to what's going on,

0:18:09.720 --> 0:18:12.280
<v Speaker 1>and he goes, no, no, you go back to the back.

0:18:12.680 --> 0:18:14.359
<v Speaker 1>So he sent him to the back. And then the

0:18:14.440 --> 0:18:17.639
<v Speaker 1>manager asked me, well, what's the problem, right, because of

0:18:17.760 --> 0:18:20.159
<v Speaker 1>course it must be something. I mean, this must be

0:18:20.320 --> 0:18:22.719
<v Speaker 1>we need to get your police on this, because they

0:18:22.800 --> 0:18:25.920
<v Speaker 1>cussed in and said, he says, what's I said? I

0:18:26.040 --> 0:18:28.119
<v Speaker 1>asked the young man if he could take because I

0:18:28.160 --> 0:18:30.560
<v Speaker 1>don't really like a lot of beans, I said. I

0:18:30.640 --> 0:18:32.800
<v Speaker 1>asked me if he could take to being gravy with

0:18:32.920 --> 0:18:35.119
<v Speaker 1>the little cup like y'all do all the time and

0:18:35.240 --> 0:18:37.920
<v Speaker 1>just put it on the thing. And he said what.

0:18:38.480 --> 0:18:42.480
<v Speaker 1>The manager was looking like, I know that this is

0:18:42.560 --> 0:18:45.720
<v Speaker 1>not what this is about. Okay, another guy and he goes,

0:18:45.720 --> 0:18:48.639
<v Speaker 1>oh no, you just do this, and why are you talking?

0:18:48.880 --> 0:18:51.680
<v Speaker 1>What an't We go so you're going through something, whatever

0:18:51.800 --> 0:18:54.040
<v Speaker 1>it is, obviously, and the white man begins to say,

0:18:54.240 --> 0:18:56.840
<v Speaker 1>this is ridiculous, like this is this, all of this

0:18:57.040 --> 0:18:59.760
<v Speaker 1>was for nothing. I don't understand that. Nobody understands this.

0:19:00.040 --> 0:19:02.720
<v Speaker 1>And I said to the black mask, I asked the

0:19:02.760 --> 0:19:07.800
<v Speaker 1>black woman. But I asked the black woman, I said,

0:19:07.960 --> 0:19:11.680
<v Speaker 1>did you I asked her, I said, um, I said,

0:19:11.760 --> 0:19:13.320
<v Speaker 1>that's all. I asked, what was to be through? She

0:19:13.359 --> 0:19:16.920
<v Speaker 1>said yea. That was so funny. So that happened to

0:19:17.000 --> 0:19:21.680
<v Speaker 1>me there right, And unfortunately it was all black and

0:19:21.760 --> 0:19:25.200
<v Speaker 1>brown people behind the table, which everybody and once that

0:19:25.359 --> 0:19:28.479
<v Speaker 1>happened and he was removed, everybody was super kind. It's

0:19:28.520 --> 0:19:33.040
<v Speaker 1>chipol they' nice and Chipotle. Everybody was super accommodation. But then,

0:19:33.880 --> 0:19:36.480
<v Speaker 1>so that happened to me in this situation, and and

0:19:36.600 --> 0:19:38.760
<v Speaker 1>again I feel sorry. I don't something. I don't know

0:19:38.880 --> 0:19:43.080
<v Speaker 1>what's wrong with you. But then I was on the

0:19:43.160 --> 0:19:45.000
<v Speaker 1>plane the other day. First of all, it happened to

0:19:45.080 --> 0:19:47.800
<v Speaker 1>me a few weeks ago. I was in the shoe

0:19:47.880 --> 0:19:51.119
<v Speaker 1>department and Nemon Markets and the woman comes over and

0:19:51.200 --> 0:19:54.840
<v Speaker 1>asked me what what kind of entertainment I'm into? Are

0:19:54.920 --> 0:19:58.080
<v Speaker 1>you an actress, a dancer, this or that, and they're, no, man,

0:19:58.119 --> 0:20:01.080
<v Speaker 1>I'm not any of those things. And you know it's

0:20:01.119 --> 0:20:04.240
<v Speaker 1>fine if you are, but that's not what I do. Right,

0:20:04.760 --> 0:20:07.320
<v Speaker 1>And then I was on the plane in first class

0:20:08.119 --> 0:20:11.119
<v Speaker 1>yesterday and the lady next to me just couldn't help us.

0:20:11.160 --> 0:20:14.119
<v Speaker 1>A white woman says, are you are you a singer?

0:20:14.520 --> 0:20:16.680
<v Speaker 1>I'm just trying to figure out. It's like everywhere I go,

0:20:17.359 --> 0:20:22.280
<v Speaker 1>is he that I'm dealing with racism? Or in service

0:20:22.400 --> 0:20:25.960
<v Speaker 1>business you're dealing with people who are not professional. You're

0:20:26.000 --> 0:20:30.879
<v Speaker 1>dealing with all kinds of service individuals all over. I

0:20:30.920 --> 0:20:34.720
<v Speaker 1>mean I can name service individuals that can't what what

0:20:34.960 --> 0:20:38.440
<v Speaker 1>what is happening? Exactly like? Do is the school that

0:20:38.600 --> 0:20:42.280
<v Speaker 1>you go? Shout told me easy easy, y'all had a

0:20:42.359 --> 0:20:46.160
<v Speaker 1>course that he wanted to teach people about customer service.

0:20:46.280 --> 0:20:49.240
<v Speaker 1>He had drew up to he had a pamphlet because

0:20:49.280 --> 0:20:51.960
<v Speaker 1>he realized that it's a it's a forgotten art. People

0:20:52.000 --> 0:20:55.240
<v Speaker 1>don't know, like remember the customers always right? You know

0:20:55.480 --> 0:20:58.479
<v Speaker 1>that's that's going It ain't no, You're not no customer.

0:20:58.600 --> 0:21:01.360
<v Speaker 1>You're somebody to coming in and you're working with my day.

0:21:01.920 --> 0:21:05.080
<v Speaker 1>You know, I'm trying to do simple ship. I want

0:21:05.119 --> 0:21:07.560
<v Speaker 1>to do one to three. I gotta do something extra.

0:21:07.680 --> 0:21:10.480
<v Speaker 1>I actually gotta work today because you want some motherfucking

0:21:10.520 --> 0:21:13.399
<v Speaker 1>stuff like nobody want to deal with that. Man. I

0:21:13.520 --> 0:21:16.680
<v Speaker 1>just want my check. I want the simple. I don't

0:21:16.720 --> 0:21:18.640
<v Speaker 1>want to back talk. I don't want you to want

0:21:18.760 --> 0:21:21.800
<v Speaker 1>things that's outside of the menu. I want to ship

0:21:21.880 --> 0:21:24.280
<v Speaker 1>to go to where I wanted to go, and you

0:21:24.520 --> 0:21:27.760
<v Speaker 1>coming to hire you actually want not because I, as

0:21:27.880 --> 0:21:31.440
<v Speaker 1>the employee, I must be paying for your food. Yeah. Yeah,

0:21:31.760 --> 0:21:34.960
<v Speaker 1>people it's not happy that they actually gotta work, you know.

0:21:35.160 --> 0:21:38.960
<v Speaker 1>So I'm sad that I just don't know what it is.

0:21:39.000 --> 0:21:41.080
<v Speaker 1>And as far as the race, I think a lot

0:21:41.160 --> 0:21:45.000
<v Speaker 1>of times people think these are compliments right there when

0:21:45.040 --> 0:21:50.360
<v Speaker 1>you look, you know, and they don't realize it's underlined

0:21:50.600 --> 0:21:55.480
<v Speaker 1>that there's need. There is mentality that you you have

0:21:55.680 --> 0:21:58.760
<v Speaker 1>to be doing something to entertain us in order to

0:21:58.880 --> 0:22:01.480
<v Speaker 1>be in this status. No black person has ever asked

0:22:01.520 --> 0:22:04.159
<v Speaker 1>me that. Like, literally, I've never been anywhere. I mean

0:22:04.200 --> 0:22:06.040
<v Speaker 1>I'm talking about in service. I don't even I can't

0:22:06.040 --> 0:22:08.480
<v Speaker 1>think of anywhere at all, but certainly in like a

0:22:08.640 --> 0:22:11.400
<v Speaker 1>service industry. I've never had a black person say are

0:22:11.440 --> 0:22:13.399
<v Speaker 1>you a single or rapper? Because this is like we

0:22:13.560 --> 0:22:18.000
<v Speaker 1>know that you just don't ask that question anyway. We're

0:22:18.040 --> 0:22:22.120
<v Speaker 1>living in a day, very very strange time. So let's

0:22:22.119 --> 0:22:25.440
<v Speaker 1>get to the topic, the topic of the day. And

0:22:26.119 --> 0:22:29.200
<v Speaker 1>you know it's what the heavier heart, You know, R

0:22:29.280 --> 0:22:32.760
<v Speaker 1>I P to P and b Rock you very good

0:22:32.840 --> 0:22:37.359
<v Speaker 1>due see the peace with the level of violence that

0:22:37.520 --> 0:22:42.159
<v Speaker 1>we are experiencing in our communities deadly, not just in

0:22:43.240 --> 0:22:46.960
<v Speaker 1>music industry, but just in all of our communities. Every

0:22:47.040 --> 0:22:50.439
<v Speaker 1>day there's a life loss. I've seen young kids who

0:22:50.560 --> 0:22:54.560
<v Speaker 1>are athletes get killed to some I've seen babies get killed.

0:22:54.600 --> 0:22:59.760
<v Speaker 1>It something. I've seen women children, Everything is shot over

0:23:00.040 --> 0:23:03.200
<v Speaker 1>sensus violence and every day you've seen somebody trying to

0:23:03.359 --> 0:23:07.720
<v Speaker 1>rob somebody, somebody stabbing somebody. Like I want to know,

0:23:08.960 --> 0:23:12.960
<v Speaker 1>what is it going to take m to really for

0:23:13.200 --> 0:23:16.520
<v Speaker 1>us to come to the realization to understanding that we

0:23:16.680 --> 0:23:18.600
<v Speaker 1>have to love each other, that we can't keep take

0:23:19.040 --> 0:23:22.080
<v Speaker 1>taking everybody's life. And it's like right now, especially as

0:23:22.160 --> 0:23:25.200
<v Speaker 1>a rapper, it's like you're in a dangerous pieces. It's

0:23:25.280 --> 0:23:28.800
<v Speaker 1>like it's like watching and I say this all the time.

0:23:29.160 --> 0:23:32.520
<v Speaker 1>You know, I don't blame any genre music for violence,

0:23:32.680 --> 0:23:35.640
<v Speaker 1>right I think the music is the product of the violence.

0:23:35.760 --> 0:23:38.359
<v Speaker 1>The violence is not the product of the music, you know,

0:23:39.800 --> 0:23:46.480
<v Speaker 1>But when the violence in our communities being incentivized, and

0:23:46.560 --> 0:23:50.120
<v Speaker 1>these kids feel like that's the only way to gain

0:23:50.240 --> 0:23:52.480
<v Speaker 1>some level of success, to get some level of money,

0:23:52.800 --> 0:23:57.800
<v Speaker 1>to get notoriety, and it's being celebrated, then whose fault

0:23:58.040 --> 0:24:01.720
<v Speaker 1>really is? Right? Who's the fault? But past the fault,

0:24:01.800 --> 0:24:04.159
<v Speaker 1>what do we have to do to fix it? You know?

0:24:04.240 --> 0:24:06.480
<v Speaker 1>What do we have to do that we value lives,

0:24:06.840 --> 0:24:09.119
<v Speaker 1>that people aren't taking a life over a chain, that

0:24:09.240 --> 0:24:12.440
<v Speaker 1>people aren't want to kill you over words, or that

0:24:12.920 --> 0:24:16.959
<v Speaker 1>you know, that people aren't smoking on each other's dead ops,

0:24:17.080 --> 0:24:18.800
<v Speaker 1>and all of these things. What do what do we

0:24:18.920 --> 0:24:21.280
<v Speaker 1>have to do? You know? I really want to sit down.

0:24:21.560 --> 0:24:24.879
<v Speaker 1>I'm really trying to sit and see if we can organize,

0:24:25.600 --> 0:24:30.600
<v Speaker 1>you know, a panel or just a real meeting with

0:24:30.880 --> 0:24:34.239
<v Speaker 1>people that I think are influence you, who have our

0:24:34.320 --> 0:24:37.000
<v Speaker 1>solution based on what it's gonna take for us to

0:24:37.040 --> 0:24:40.600
<v Speaker 1>start loving and protecting us in our own communities? Like

0:24:40.760 --> 0:24:42.920
<v Speaker 1>I really want to know. That's that's what the topic

0:24:43.000 --> 0:24:45.199
<v Speaker 1>for today is, Like, what do you think it's going

0:24:45.320 --> 0:24:46.920
<v Speaker 1>to take? What do you think is we're going to

0:24:47.119 --> 0:24:50.600
<v Speaker 1>keep losing? Is it gonna take more lives being loss Nipsey,

0:24:50.760 --> 0:24:59.520
<v Speaker 1>we lost, you know, every every week ye love Young

0:24:59.600 --> 0:25:02.040
<v Speaker 1>dolg and something and and the list goes MO three,

0:25:02.160 --> 0:25:05.320
<v Speaker 1>like the list goes on and on. Where their senses

0:25:05.359 --> 0:25:07.480
<v Speaker 1>got violence? So what do what do we need to do?

0:25:07.720 --> 0:25:11.480
<v Speaker 1>How are we gonna curve it? How are we gonna fix?

0:25:11.560 --> 0:25:15.199
<v Speaker 1>How we gonna rechange the culture? You know, because right

0:25:15.280 --> 0:25:17.720
<v Speaker 1>now the culture of violence is what's prevalent. So I

0:25:17.840 --> 0:25:20.959
<v Speaker 1>want to know from y'all, you know, give us your feedback.

0:25:21.040 --> 0:25:23.440
<v Speaker 1>What do you think it's going to really take to

0:25:23.600 --> 0:25:27.960
<v Speaker 1>change the culture. That's a good topic. We'll talk about

0:25:28.000 --> 0:25:31.600
<v Speaker 1>it more throughout the show. In fact, we should ask

0:25:31.880 --> 0:25:34.720
<v Speaker 1>um our guests about it. You know, we talked about

0:25:34.760 --> 0:25:36.800
<v Speaker 1>and we'll talk to more about the interview that I

0:25:36.920 --> 0:25:38.680
<v Speaker 1>did this week. I'll tell you these heck as you said,

0:25:38.760 --> 0:25:44.760
<v Speaker 1>headlines are so sensationalized because um the TMZ interview that

0:25:45.000 --> 0:25:47.680
<v Speaker 1>the title of it is Tamkea Mallory says p and

0:25:47.720 --> 0:25:51.720
<v Speaker 1>b Rock is dead because of economic conditions in our community.

0:25:51.760 --> 0:25:56.280
<v Speaker 1>I'm like, that's not exactly, but it's you know what

0:25:56.359 --> 0:25:58.119
<v Speaker 1>I'm saying. I get it, though, I get it, and

0:25:58.160 --> 0:26:00.440
<v Speaker 1>I know they're gonna make it weird. It's like they

0:26:00.840 --> 0:26:03.440
<v Speaker 1>But that's not exactly the point. The point because I

0:26:03.640 --> 0:26:08.600
<v Speaker 1>was asked about rappers and I said, it's all black

0:26:08.680 --> 0:26:13.040
<v Speaker 1>people in different areas, healthcare system, education, everywhere you turn,

0:26:13.560 --> 0:26:16.320
<v Speaker 1>there's there are people dying, right And the only reason

0:26:16.359 --> 0:26:18.760
<v Speaker 1>why we know about rappers is because they are they

0:26:19.040 --> 0:26:22.040
<v Speaker 1>we know them. So it's making the news. But there's

0:26:22.040 --> 0:26:24.760
<v Speaker 1>a bunch of people dying every single day too, and

0:26:24.840 --> 0:26:27.240
<v Speaker 1>we've been talking about it. We've been talking about people

0:26:27.280 --> 0:26:29.600
<v Speaker 1>who die because you can't get the proper health care

0:26:29.760 --> 0:26:32.600
<v Speaker 1>or mental health issues, and we've been talking about it.

0:26:32.840 --> 0:26:36.399
<v Speaker 1>So that means that black people in general overall, in

0:26:36.560 --> 0:26:39.080
<v Speaker 1>order for us to fight to stop the rappers from

0:26:39.119 --> 0:26:42.119
<v Speaker 1>being murdered, which we absolutely have to, we have to

0:26:42.240 --> 0:26:45.280
<v Speaker 1>also focus on the whole pie. In order to understand

0:26:45.359 --> 0:26:48.280
<v Speaker 1>the whole pie. You gotta understand white supremacy. What did

0:26:48.320 --> 0:26:51.440
<v Speaker 1>he say? If you don't understand racism, then nothing I'm

0:26:51.480 --> 0:26:53.840
<v Speaker 1>saying to you was gonna make sense. A brother said

0:26:53.880 --> 0:26:56.000
<v Speaker 1>that in the meeting one day changed our whole life.

0:26:56.080 --> 0:26:59.760
<v Speaker 1>You don't understand the root cause of why it's a

0:27:00.640 --> 0:27:03.919
<v Speaker 1>root cause, jealousy. There's a there's an issue, and social

0:27:03.960 --> 0:27:08.320
<v Speaker 1>media has a big role in what we see happening today.

0:27:08.440 --> 0:27:11.679
<v Speaker 1>You know, a six year old child died by suicide

0:27:11.800 --> 0:27:14.760
<v Speaker 1>because he said that or they I don't know who

0:27:14.920 --> 0:27:19.600
<v Speaker 1>said it, but because of the racist comments, like the

0:27:19.720 --> 0:27:22.920
<v Speaker 1>bullying that was happening in his school, Like it's really

0:27:23.040 --> 0:27:26.280
<v Speaker 1>really sad. And our brother David John, who we need

0:27:26.359 --> 0:27:29.840
<v Speaker 1>to have on um, he sent me an article yesterday

0:27:29.920 --> 0:27:35.000
<v Speaker 1>it shows that suicide rates among black women has like triples.

0:27:36.720 --> 0:27:41.720
<v Speaker 1>Skyrocketing is the word that use, skyrocketing. So anyway we

0:27:42.119 --> 0:27:44.840
<v Speaker 1>should you know, I think as we bring our next

0:27:44.920 --> 0:27:48.359
<v Speaker 1>guest on the economic pieces, what I said is gonna

0:27:48.400 --> 0:27:51.560
<v Speaker 1>be a big part of how we turn this thing around.

0:27:52.080 --> 0:27:54.480
<v Speaker 1>I don't think it's the only piece, because certainly there's

0:27:54.520 --> 0:27:56.680
<v Speaker 1>got to be retraining, as mental health stuff, there's a

0:27:56.760 --> 0:27:59.600
<v Speaker 1>lot of things. But that economic piece is so important

0:27:59.640 --> 0:28:02.000
<v Speaker 1>because if you think for one minute, we talked about

0:28:02.040 --> 0:28:04.480
<v Speaker 1>so all the time that you're about to go outside

0:28:05.000 --> 0:28:07.879
<v Speaker 1>pot lock and drop it with your good stuff on

0:28:08.640 --> 0:28:11.800
<v Speaker 1>chilling and people are not gonna say, well, then let

0:28:11.880 --> 0:28:13.560
<v Speaker 1>me get a little bit of that. I need a

0:28:13.600 --> 0:28:16.680
<v Speaker 1>little change, you know what I'm saying. That's what's gonna happen.

0:28:16.680 --> 0:28:18.960
<v Speaker 1>It ain't right, It shouldn't be, But that's the case

0:28:18.960 --> 0:28:20.359
<v Speaker 1>because a lot of people don't want to work for

0:28:20.440 --> 0:28:23.240
<v Speaker 1>their own. They want to take what you have instead

0:28:23.280 --> 0:28:29.440
<v Speaker 1>of working for their own. And some people never That's

0:28:29.480 --> 0:28:32.760
<v Speaker 1>what I'm saying. So you gotta protect yourself. You gotta

0:28:32.800 --> 0:28:36.439
<v Speaker 1>protect yourself, you gotta be smarter, you gotta protect yourself.

0:28:36.880 --> 0:28:40.600
<v Speaker 1>And we those advocates, and we have to understand. I said,

0:28:40.640 --> 0:28:43.800
<v Speaker 1>if you don't understand what you're fighting, you can't fix

0:28:43.880 --> 0:28:47.560
<v Speaker 1>it because you have to know that you're not. Capitalism

0:28:47.720 --> 0:28:50.400
<v Speaker 1>is at the center, which is a struck is which

0:28:50.480 --> 0:28:52.920
<v Speaker 1>is a part of white supremacy. It is as a

0:28:53.000 --> 0:28:56.360
<v Speaker 1>result of white supremacy that we have capitalism in the

0:28:56.440 --> 0:29:02.840
<v Speaker 1>world right, And so understanding the systemic role or the

0:29:02.960 --> 0:29:05.520
<v Speaker 1>systemic part of it, and the role that it plays

0:29:06.200 --> 0:29:09.120
<v Speaker 1>and everything that happens. How we don't like each other,

0:29:09.240 --> 0:29:12.920
<v Speaker 1>light skin against dark skin, you know, black women against

0:29:13.040 --> 0:29:17.000
<v Speaker 1>Latino women, black men fighting one another, black men, uh,

0:29:17.160 --> 0:29:21.200
<v Speaker 1>you know, abusing black women, black women, not respecting black men.

0:29:21.600 --> 0:29:24.120
<v Speaker 1>All of that is coming from something we were not

0:29:24.440 --> 0:29:26.160
<v Speaker 1>we were. This is not who we were. We can

0:29:26.320 --> 0:29:28.400
<v Speaker 1>just wake up one day and this is just you know,

0:29:28.600 --> 0:29:31.840
<v Speaker 1>this stuff has been ingrained in our mind for decades,

0:29:31.880 --> 0:29:35.640
<v Speaker 1>because if we at not decades, this is longer than decades, right,

0:29:35.760 --> 0:29:40.320
<v Speaker 1>this is this is hundreds of years, centuries, multiple centuries, right,

0:29:40.760 --> 0:29:43.560
<v Speaker 1>and and and and and and the reason why is

0:29:43.640 --> 0:29:46.160
<v Speaker 1>because so long as they keep us weak and broken

0:29:46.760 --> 0:29:50.480
<v Speaker 1>and separated from one another, then and only then can

0:29:50.520 --> 0:29:53.440
<v Speaker 1>they continue to stay in power and then control. And

0:29:53.520 --> 0:29:55.719
<v Speaker 1>somebody said a lot of people don't God, they went

0:29:55.760 --> 0:29:57.160
<v Speaker 1>off because you know, I put some of my social

0:29:57.200 --> 0:29:58.840
<v Speaker 1>media and I'm not like you, I'm not argument. I

0:29:58.960 --> 0:30:00.960
<v Speaker 1>just let them be man ad and say what they want.

0:30:00.960 --> 0:30:04.960
<v Speaker 1>I said what I said, I changed sometimes go back,

0:30:05.040 --> 0:30:08.960
<v Speaker 1>but I changed you a little bit. But but I

0:30:09.720 --> 0:30:11.680
<v Speaker 1>said what I said that, Oh you're not you're not

0:30:11.800 --> 0:30:15.320
<v Speaker 1>talking about personal accountability. We we got so my personal accountability.

0:30:15.600 --> 0:30:18.520
<v Speaker 1>Every day, every day we're talking about personal accountability. We're

0:30:18.520 --> 0:30:20.800
<v Speaker 1>talking about that. But somebody also has to focus on

0:30:21.320 --> 0:30:23.320
<v Speaker 1>what is the root cause? And I think a part

0:30:23.360 --> 0:30:28.920
<v Speaker 1>of her, a part of personal responsibility is to educate yourself, Well,

0:30:29.080 --> 0:30:30.959
<v Speaker 1>why do you feel the way you feel about your

0:30:31.040 --> 0:30:33.240
<v Speaker 1>brother or sister, or why are you're able to pick

0:30:33.320 --> 0:30:35.320
<v Speaker 1>up a gun? Or why are you want to rob somebody.

0:30:35.680 --> 0:30:39.719
<v Speaker 1>That's a part of personal responsibility. You got to educate yourself.

0:30:39.840 --> 0:30:42.960
<v Speaker 1>Got to educate yourself. So you know, let's talk to

0:30:43.000 --> 0:30:48.080
<v Speaker 1>our next guests about decide this, this and many other things.

0:30:52.920 --> 0:30:57.000
<v Speaker 1>So nineteen years in the mortgage game, we're about to

0:30:57.200 --> 0:31:02.080
<v Speaker 1>learn some things today. I am and really really admire

0:31:02.240 --> 0:31:05.520
<v Speaker 1>this brother. I follow him on social media and every

0:31:05.600 --> 0:31:07.720
<v Speaker 1>time I see him, he's so humble and nice and

0:31:07.880 --> 0:31:12.000
<v Speaker 1>kind and just so caring and willing to share information.

0:31:12.560 --> 0:31:14.040
<v Speaker 1>And you know, a lot of the guys out here

0:31:14.080 --> 0:31:15.760
<v Speaker 1>that's making a whole lot of money, because we know

0:31:15.840 --> 0:31:18.400
<v Speaker 1>he's making a whole lot of a lot of money,

0:31:18.760 --> 0:31:21.280
<v Speaker 1>they're not that nice, you know. So and I always

0:31:21.320 --> 0:31:23.160
<v Speaker 1>tell you that, I'd be like, you know, it was

0:31:23.280 --> 0:31:27.760
<v Speaker 1>just weird, acting like, you know, on their shoulders. But

0:31:27.840 --> 0:31:32.120
<v Speaker 1>he's not like that. MG, the mortgage guy, Matthew Matthew Garland.

0:31:32.200 --> 0:31:35.640
<v Speaker 1>First of all, do people even call you Matthew Garland?

0:31:36.360 --> 0:31:41.640
<v Speaker 1>That's your whole government name in the streets. Yo. It's

0:31:41.720 --> 0:31:45.040
<v Speaker 1>crazy because now people say MG or MG the mortgage Kyle,

0:31:45.160 --> 0:31:48.640
<v Speaker 1>or they tell me my license number. Um, so that's

0:31:48.640 --> 0:31:50.840
<v Speaker 1>the crazy thing right now. It's like they're like, yo,

0:31:50.960 --> 0:31:55.600
<v Speaker 1>NMLS number one eight nine, Like you know what I'm saying, Like, yeah,

0:31:55.640 --> 0:31:57.520
<v Speaker 1>it's crazy, it's crazy right now. But I love that

0:31:57.720 --> 0:32:00.840
<v Speaker 1>right because I'm not out here talking about any foolishness.

0:32:00.880 --> 0:32:04.320
<v Speaker 1>I'm talking about, um, things that can empower our community.

0:32:04.640 --> 0:32:07.600
<v Speaker 1>And for people to recognize me as a licensed professional

0:32:07.920 --> 0:32:10.320
<v Speaker 1>and run up on me like I'm a celebrity or

0:32:10.600 --> 0:32:13.760
<v Speaker 1>rapper or entertainer and want to take pictures and talk.

0:32:14.200 --> 0:32:16.600
<v Speaker 1>I mean, it's it's very humble and so it's it's

0:32:16.720 --> 0:32:18.360
<v Speaker 1>it's um, it's a great thing. But no no one

0:32:18.440 --> 0:32:20.720
<v Speaker 1>calls me Matthew Aller no more. Well, thank you so

0:32:20.960 --> 0:32:25.400
<v Speaker 1>much for coming on uh street politicians today. We've been

0:32:25.440 --> 0:32:27.600
<v Speaker 1>trying to do this for a while, and we have

0:32:28.440 --> 0:32:31.520
<v Speaker 1>for the last several months really been trying to focus

0:32:31.680 --> 0:32:34.880
<v Speaker 1>on the economic conditions of our community. We have a

0:32:34.960 --> 0:32:37.360
<v Speaker 1>topic that we've been talking about today. We've been sort

0:32:37.400 --> 0:32:40.040
<v Speaker 1>of not so much debating but discussing, and we're gonna

0:32:40.040 --> 0:32:43.040
<v Speaker 1>get into that with you late a little later. Um,

0:32:43.160 --> 0:32:45.520
<v Speaker 1>but I just want to say that I think that's

0:32:45.520 --> 0:32:48.240
<v Speaker 1>a good thing for our culture that we're shifting from

0:32:48.400 --> 0:32:52.000
<v Speaker 1>just running up to the you know, regular entertainers, which

0:32:52.040 --> 0:32:53.880
<v Speaker 1>you know I have no problem with that. Sometimes I

0:32:53.960 --> 0:32:55.800
<v Speaker 1>see people and I'm like, Okay, this is a picture

0:32:55.840 --> 0:32:58.720
<v Speaker 1>I want. It's rare, but I do um. And we're

0:32:58.800 --> 0:33:03.080
<v Speaker 1>shifting it to people wanting to be close to and

0:33:03.200 --> 0:33:07.640
<v Speaker 1>connected to folks who have a consciousness some level of consciousness.

0:33:07.680 --> 0:33:11.120
<v Speaker 1>And so I think that's actually progress for us as

0:33:11.200 --> 0:33:14.239
<v Speaker 1>black folks, um, you know, in this country. I mean

0:33:14.280 --> 0:33:16.600
<v Speaker 1>I agree with that. I definitely agree. You know, watching

0:33:17.120 --> 0:33:20.800
<v Speaker 1>you know, those who are thought leaders, who are investors,

0:33:20.960 --> 0:33:25.880
<v Speaker 1>who are teaching the culture about financial literacy, about you know,

0:33:26.080 --> 0:33:29.479
<v Speaker 1>ownership and things of that nature becoming the new stars.

0:33:29.600 --> 0:33:32.440
<v Speaker 1>You know, I watched I just was that Invests, which

0:33:32.520 --> 0:33:35.240
<v Speaker 1>you were a part of, and I've seen just watching

0:33:35.720 --> 0:33:38.640
<v Speaker 1>how many people were there, just seeing how big, you know,

0:33:38.880 --> 0:33:43.080
<v Speaker 1>just financial literacy and just black empowerment and black wealth

0:33:43.280 --> 0:33:46.560
<v Speaker 1>is becoming in this country. So you know, I'm happy

0:33:46.640 --> 0:33:49.080
<v Speaker 1>for you, proud of you. You know, I follow your

0:33:49.160 --> 0:33:51.480
<v Speaker 1>watch and see all the things that you do, and

0:33:51.560 --> 0:33:53.479
<v Speaker 1>you know, I just continue to do what you're doing. Man,

0:33:53.520 --> 0:33:56.720
<v Speaker 1>What what what made you want to get involved in this? Like?

0:33:56.880 --> 0:33:59.280
<v Speaker 1>How long have you been doing this work? Man? So

0:33:59.760 --> 0:34:02.320
<v Speaker 1>I'm in the mortgage business going on twenty years now.

0:34:02.520 --> 0:34:04.800
<v Speaker 1>So when I first came into business, you know, there

0:34:04.880 --> 0:34:07.520
<v Speaker 1>wasn't no social media. There was no Facebook, there was

0:34:07.600 --> 0:34:10.840
<v Speaker 1>no Instagram. Um, there was nothing like the platforms like

0:34:10.920 --> 0:34:13.320
<v Speaker 1>we have today. And it was barely any black people

0:34:13.840 --> 0:34:16.759
<v Speaker 1>um here doing any type of real estate. And the

0:34:16.840 --> 0:34:19.279
<v Speaker 1>black people who did do real estate, they kept it quiet. Right.

0:34:19.400 --> 0:34:21.240
<v Speaker 1>We all know those type of people in our communities

0:34:21.280 --> 0:34:22.960
<v Speaker 1>whore getting money, but they never want to share the

0:34:23.040 --> 0:34:25.960
<v Speaker 1>information on how they're getting money. So when I came

0:34:26.000 --> 0:34:28.399
<v Speaker 1>into business, you know, I had to learn the hard

0:34:28.440 --> 0:34:32.160
<v Speaker 1>way through trial, trial and error and um, you know,

0:34:32.480 --> 0:34:35.760
<v Speaker 1>wins and losses, but I like to get those losses

0:34:35.840 --> 0:34:39.040
<v Speaker 1>all turned into lessons and um, just the whole social

0:34:39.120 --> 0:34:42.000
<v Speaker 1>media thing. Once I discovered like Gary V and those

0:34:42.040 --> 0:34:45.120
<v Speaker 1>guys probably back in two thousand, sixteen seventeen, I'm like, damn,

0:34:45.160 --> 0:34:47.839
<v Speaker 1>they're onto something. And you know, I'm forty four years old,

0:34:47.880 --> 0:34:49.640
<v Speaker 1>so I'm getting a little bit older too. So I said,

0:34:49.640 --> 0:34:52.200
<v Speaker 1>you know what, how can I reach the younger generation,

0:34:52.360 --> 0:34:55.400
<v Speaker 1>especially in my community with the information that I have.

0:34:55.560 --> 0:34:57.480
<v Speaker 1>And that's why I started coming to social media and

0:34:57.520 --> 0:35:00.239
<v Speaker 1>just started putting that information out there. And it's just

0:35:00.680 --> 0:35:03.279
<v Speaker 1>kind of grown to to what we see now to

0:35:03.680 --> 0:35:06.000
<v Speaker 1>you know, we're doing things like invest FESTUM. Shout out

0:35:06.040 --> 0:35:08.120
<v Speaker 1>to my partner's trying Richard and Mike at earn your

0:35:08.160 --> 0:35:12.880
<v Speaker 1>Leisia UM, fourteen thousand black and brown people for financial literacy.

0:35:13.000 --> 0:35:15.200
<v Speaker 1>You would never think in a million years you will

0:35:15.239 --> 0:35:18.600
<v Speaker 1>see that many people in the space to learn about

0:35:18.840 --> 0:35:22.160
<v Speaker 1>financial literacy, business, real estate stocks. So it's just been

0:35:22.160 --> 0:35:25.279
<v Speaker 1>an incredible journey that, UM, we're all proud of and

0:35:25.440 --> 0:35:27.680
<v Speaker 1>we just want to keep champion our community and keep

0:35:27.840 --> 0:35:30.680
<v Speaker 1>pushing things forward. Well, first I wanted to say I

0:35:30.920 --> 0:35:35.040
<v Speaker 1>was very much inspired and motivated, you know, by the

0:35:35.080 --> 0:35:37.279
<v Speaker 1>invest first and just listening to you guys and just

0:35:37.480 --> 0:35:40.839
<v Speaker 1>hearing how you was just giving so much jews and motivation.

0:35:40.960 --> 0:35:43.719
<v Speaker 1>It was. It was very much inspirational. I came, I

0:35:43.840 --> 0:35:46.640
<v Speaker 1>told her, I was like, listen, I'm changing. We we

0:35:46.719 --> 0:35:49.480
<v Speaker 1>gotta get focused like people was out here focused. You know,

0:35:49.600 --> 0:35:51.080
<v Speaker 1>we're doing a lot, we do a lot of work

0:35:51.120 --> 0:35:54.320
<v Speaker 1>for our people, but we gotta really get financially focused

0:35:54.400 --> 0:35:58.200
<v Speaker 1>and make real big decisions and and get into that space.

0:35:58.280 --> 0:36:00.279
<v Speaker 1>So I just want to say thank you for that now.

0:36:00.280 --> 0:36:02.680
<v Speaker 1>I appreciate you all. It was great seeing you guys there.

0:36:02.719 --> 0:36:05.960
<v Speaker 1>Man and it's great to see just people that we've watched. Look,

0:36:06.000 --> 0:36:08.040
<v Speaker 1>we love hip hop, right, we we grew up in

0:36:08.160 --> 0:36:11.040
<v Speaker 1>the culture, right, so when we're saying folks like yourself,

0:36:11.080 --> 0:36:14.840
<v Speaker 1>there tis there you know, many different people. That's just

0:36:15.160 --> 0:36:18.360
<v Speaker 1>we've watched for years and now it's the two worlds

0:36:18.400 --> 0:36:21.440
<v Speaker 1>are now starting to collode. It's just a beautiful thing, um,

0:36:21.640 --> 0:36:23.960
<v Speaker 1>and you know we we love it and we just

0:36:24.040 --> 0:36:26.520
<v Speaker 1>want to keep, you know, doing our part to get

0:36:26.560 --> 0:36:28.960
<v Speaker 1>that message out there, to teach people, but also not

0:36:29.120 --> 0:36:31.080
<v Speaker 1>just to give them information, but show them the way

0:36:31.080 --> 0:36:34.000
<v Speaker 1>how they can execute, right, because that's most important because

0:36:34.000 --> 0:36:37.279
<v Speaker 1>I think too many times people um get analysis paralysis.

0:36:37.560 --> 0:36:39.880
<v Speaker 1>They will sit here and watch videos all day or study,

0:36:39.920 --> 0:36:42.279
<v Speaker 1>but never make a move. And one thing about us,

0:36:42.480 --> 0:36:44.520
<v Speaker 1>we don't just want you to be motivated inspired. We

0:36:44.560 --> 0:36:46.080
<v Speaker 1>want you to go out there and do something because

0:36:46.160 --> 0:36:48.400
<v Speaker 1>in our community we have to own some ship. We

0:36:48.520 --> 0:36:50.880
<v Speaker 1>have to go out here and build our wealth because

0:36:51.239 --> 0:36:54.040
<v Speaker 1>we're behind the eight ball already. So we're glad that

0:36:54.160 --> 0:36:56.719
<v Speaker 1>people come out they're motivated. But if you're not out

0:36:56.800 --> 0:36:59.279
<v Speaker 1>here executed, then it's really all for nothing. You're just

0:36:59.320 --> 0:37:02.800
<v Speaker 1>being entertained at that point. Yeah, well, you know and

0:37:02.920 --> 0:37:07.960
<v Speaker 1>I think the way we all are being intentional in

0:37:08.080 --> 0:37:10.800
<v Speaker 1>this generation as well, whether it be in the social

0:37:10.960 --> 0:37:15.320
<v Speaker 1>justice space, in the political space, and of course you

0:37:15.400 --> 0:37:19.480
<v Speaker 1>know in the other spaces that you're in that have

0:37:19.640 --> 0:37:23.960
<v Speaker 1>to do with our well being, right, people are being

0:37:24.120 --> 0:37:27.360
<v Speaker 1>more intentional about making it look like what the culture

0:37:27.480 --> 0:37:31.280
<v Speaker 1>loves because in the past, you know, all the people

0:37:31.320 --> 0:37:34.560
<v Speaker 1>who were doing the things we're talking about and not

0:37:34.719 --> 0:37:37.359
<v Speaker 1>and and it's not a knock, right, and maybe they did,

0:37:37.480 --> 0:37:40.920
<v Speaker 1>they were fitting into that particular time, but it doesn't

0:37:41.000 --> 0:37:44.759
<v Speaker 1>translate over right like it's it's And that's why you

0:37:44.920 --> 0:37:48.359
<v Speaker 1>have people like Kirk Franklin and Type Tibot I think

0:37:48.600 --> 0:37:51.120
<v Speaker 1>is the proper way to say his name now, and

0:37:51.239 --> 0:37:53.800
<v Speaker 1>others like that. And it doesn't mean the Bishop Jake's

0:37:54.040 --> 0:37:59.280
<v Speaker 1>is outdated, but he's definitely bringing Sarah Jake's his daughter

0:37:59.400 --> 0:38:03.839
<v Speaker 1>to the four Front, because you know, as generations come forward,

0:38:03.880 --> 0:38:07.160
<v Speaker 1>where people want to see things and hear words and

0:38:07.400 --> 0:38:10.960
<v Speaker 1>language that really relates to them. And I think that's

0:38:11.000 --> 0:38:13.480
<v Speaker 1>an intentional thing that we all have to work on

0:38:13.640 --> 0:38:15.600
<v Speaker 1>every day. And there's some people that don't get it.

0:38:16.000 --> 0:38:18.160
<v Speaker 1>They're like, oh, you know, you guys, you know why

0:38:18.280 --> 0:38:20.719
<v Speaker 1>y'all dressed like this, or how come you you know,

0:38:20.880 --> 0:38:23.279
<v Speaker 1>posting this type of For me, everybody wants to know

0:38:23.400 --> 0:38:25.439
<v Speaker 1>why do you post pictures in your bathe and suit?

0:38:25.840 --> 0:38:29.640
<v Speaker 1>And I always say, I'm not trying to reach my

0:38:29.800 --> 0:38:33.400
<v Speaker 1>mother's generation, right, I want to partner with them. I

0:38:33.520 --> 0:38:36.040
<v Speaker 1>want to learn from them. I'm not saying they're not

0:38:36.200 --> 0:38:39.040
<v Speaker 1>important because they have the wisdom, but I'm trying to

0:38:39.160 --> 0:38:44.200
<v Speaker 1>reach a particular demo that understands that language, right they

0:38:44.280 --> 0:38:47.440
<v Speaker 1>I I get more interest from people who see me

0:38:47.520 --> 0:38:50.680
<v Speaker 1>in a vulnerable or very authentic space. So I think

0:38:50.760 --> 0:38:53.720
<v Speaker 1>we've been intentional about all that, about that and that helps.

0:38:54.120 --> 0:38:58.200
<v Speaker 1>But now speaking of that, go back before this twenty

0:38:58.320 --> 0:39:01.440
<v Speaker 1>year period and tell us more about what were you

0:39:01.560 --> 0:39:04.080
<v Speaker 1>doing in your life, Like what exactly was happening that

0:39:04.200 --> 0:39:05.839
<v Speaker 1>you was like, oh this is the way that I'm

0:39:05.880 --> 0:39:08.080
<v Speaker 1>going to go. You could have done other things. Obviously

0:39:08.160 --> 0:39:12.319
<v Speaker 1>you're brilliant. I mean, um for me, Look, I grew

0:39:12.440 --> 0:39:15.360
<v Speaker 1>up in Brooklyn, UM, but I represent queens, you know.

0:39:15.480 --> 0:39:18.800
<v Speaker 1>I went to Andrew Jackson High School. That's you know,

0:39:18.840 --> 0:39:21.239
<v Speaker 1>I'm a queen's guy right throwing through. So I was

0:39:21.320 --> 0:39:23.960
<v Speaker 1>like anybody, right, you know my family's other drug dealers

0:39:24.000 --> 0:39:26.279
<v Speaker 1>and drug users. You see what I'm saying. So I

0:39:26.400 --> 0:39:29.000
<v Speaker 1>grew up a certain type of way in the eighties

0:39:29.080 --> 0:39:32.680
<v Speaker 1>and bed style Brooklyn. So I'm around hustlers my whole life.

0:39:33.000 --> 0:39:35.239
<v Speaker 1>But also, you know, and this is why I say

0:39:35.280 --> 0:39:38.319
<v Speaker 1>I'm a Queen's guy, because Brooklyn, to me those years

0:39:38.400 --> 0:39:40.839
<v Speaker 1>was paying My mother's a crackhead. I have uncles who

0:39:40.920 --> 0:39:43.680
<v Speaker 1>was on drugs. I have uncles that what drug dealers

0:39:43.719 --> 0:39:45.680
<v Speaker 1>I have because we all got cousins that was murderers

0:39:45.719 --> 0:39:48.480
<v Speaker 1>and and killers and robbers and all that stuff. Right.

0:39:48.600 --> 0:39:51.480
<v Speaker 1>So for me, when I was younger, all I saw

0:39:51.600 --> 0:39:55.160
<v Speaker 1>was the hustle. So it's always deeply and bettered into me.

0:39:55.600 --> 0:39:57.520
<v Speaker 1>But I knew that's the route I didn't want. I

0:39:57.600 --> 0:39:59.759
<v Speaker 1>didn't want to go the street route because I knew

0:40:00.160 --> 0:40:02.640
<v Speaker 1>it led to nothing because I'm seeing people my age

0:40:02.680 --> 0:40:05.479
<v Speaker 1>getting killed. I'm seeing people my age going to jail,

0:40:05.800 --> 0:40:08.080
<v Speaker 1>and for me, I don't want no part of jail.

0:40:08.120 --> 0:40:11.640
<v Speaker 1>I want nothing to do with it. Right, So coming up,

0:40:11.680 --> 0:40:13.640
<v Speaker 1>I really didn't know what I was gonna do. I

0:40:13.719 --> 0:40:15.920
<v Speaker 1>want to college, but I was a college dropout, you know.

0:40:16.000 --> 0:40:17.880
<v Speaker 1>I went to a historical Black college and c c

0:40:18.080 --> 0:40:21.000
<v Speaker 1>U in North Carolina, and it was just like a hustle,

0:40:21.120 --> 0:40:23.200
<v Speaker 1>just trying to figure it out, throwing parties, doing this,

0:40:23.680 --> 0:40:26.359
<v Speaker 1>doing that, just trying to make ends meet. And um.

0:40:26.440 --> 0:40:28.880
<v Speaker 1>I got back to New York right after not eleven

0:40:29.640 --> 0:40:33.040
<v Speaker 1>and I started working for T s A. And I thought, Okay,

0:40:33.080 --> 0:40:35.920
<v Speaker 1>you know what, let me get the federal job. Let

0:40:35.960 --> 0:40:38.920
<v Speaker 1>me get the benefits. You know, fifty thousand a year.

0:40:39.280 --> 0:40:43.920
<v Speaker 1>Why not, right? And then my best friend at the time, Uh, well,

0:40:44.000 --> 0:40:45.719
<v Speaker 1>not that I'm still my best friend, but my best

0:40:45.760 --> 0:40:47.719
<v Speaker 1>friend told me, look, why don't you go get into

0:40:47.719 --> 0:40:51.040
<v Speaker 1>the mortgage business and be a loan officer. I said,

0:40:51.080 --> 0:40:53.759
<v Speaker 1>what the hell is that people want to buy a house,

0:40:53.800 --> 0:40:56.000
<v Speaker 1>they need a loan, and the loan officers doing who

0:40:56.040 --> 0:40:58.239
<v Speaker 1>gets them alone? So I looked in the paper. This

0:40:58.360 --> 0:40:59.799
<v Speaker 1>is before you can go on the internet and look

0:40:59.840 --> 0:41:01.759
<v Speaker 1>for jobs like I really went in the daily news

0:41:02.360 --> 0:41:04.480
<v Speaker 1>and I used to do customer service jobs. I used

0:41:04.480 --> 0:41:07.640
<v Speaker 1>to do salesman jobs. And I saw all these jobs

0:41:07.719 --> 0:41:09.960
<v Speaker 1>for loan officers and I'm like, damn, I never noticed this.

0:41:10.040 --> 0:41:11.680
<v Speaker 1>So I just picked the first three companies that was

0:41:11.719 --> 0:41:13.759
<v Speaker 1>close to my house, and I went on interviews and

0:41:13.800 --> 0:41:16.000
<v Speaker 1>I got hired and I've been doing it ever since.

0:41:16.080 --> 0:41:17.840
<v Speaker 1>So I didn't know what the loan was. When I

0:41:17.880 --> 0:41:20.360
<v Speaker 1>first got in the business. No one took teaches us

0:41:20.440 --> 0:41:23.160
<v Speaker 1>about homeownership, no one teaches us about credit. So I

0:41:23.320 --> 0:41:26.120
<v Speaker 1>never thought this this was a field that you can

0:41:26.200 --> 0:41:28.680
<v Speaker 1>apply for. I thought this was something only the banker doing.

0:41:28.760 --> 0:41:31.359
<v Speaker 1>You need to have a master's degreed to to work

0:41:31.520 --> 0:41:35.680
<v Speaker 1>in quote unquote banking, right, Um, so yeah, I was

0:41:35.800 --> 0:41:38.439
<v Speaker 1>kind of like anybody else, you know, late teens, early

0:41:38.520 --> 0:41:41.239
<v Speaker 1>twenties that was just trying to figure it out. And

0:41:41.640 --> 0:41:44.720
<v Speaker 1>thank God that I found something that kind of stuck

0:41:44.800 --> 0:41:47.680
<v Speaker 1>to me and it became my passion. And just learning numbers.

0:41:47.719 --> 0:41:50.080
<v Speaker 1>I never knew I really loved numbers. I never knew

0:41:50.200 --> 0:41:53.880
<v Speaker 1>that I loved making other people happy because you have

0:41:54.040 --> 0:41:56.120
<v Speaker 1>to be self servant in a way when you're doing

0:41:56.160 --> 0:41:58.200
<v Speaker 1>a job like this, Because I kind of compared myself

0:41:58.239 --> 0:42:00.640
<v Speaker 1>to a therapist because I'm always hearing some all these stories,

0:42:00.640 --> 0:42:03.480
<v Speaker 1>I'm always hearing something. I'm taking somebody's energy and emotions.

0:42:03.920 --> 0:42:05.880
<v Speaker 1>So it's just something that I grow into and now

0:42:05.960 --> 0:42:07.440
<v Speaker 1>I just love it and I just want to keep

0:42:07.480 --> 0:42:09.480
<v Speaker 1>doing it. So, you know, to answer you a question,

0:42:09.520 --> 0:42:10.719
<v Speaker 1>I didn't know what the hell I was gonna do

0:42:11.440 --> 0:42:14.399
<v Speaker 1>cheap around before I got into this business. I thank

0:42:14.440 --> 0:42:16.480
<v Speaker 1>god that I found it because it changed my life

0:42:16.520 --> 0:42:18.680
<v Speaker 1>and I've been able to change other people's lives in

0:42:18.760 --> 0:42:22.200
<v Speaker 1>the past twenty years. So what what is the like

0:42:22.320 --> 0:42:25.160
<v Speaker 1>the first step, Like somebody wants to be gett into

0:42:25.840 --> 0:42:28.799
<v Speaker 1>doing mortgage loans in order to like what because most

0:42:28.880 --> 0:42:31.880
<v Speaker 1>of us and I realized that we have fear, we

0:42:32.000 --> 0:42:35.080
<v Speaker 1>have the starting fear, like we see it as is

0:42:35.160 --> 0:42:37.320
<v Speaker 1>this biggest thing in the world, and I have to

0:42:37.640 --> 0:42:39.360
<v Speaker 1>get out my own way with things, like there are

0:42:39.400 --> 0:42:42.000
<v Speaker 1>things that I'm not familiar with, and I look and

0:42:42.080 --> 0:42:43.839
<v Speaker 1>I hear y'all talk about a lot of different things,

0:42:43.880 --> 0:42:46.160
<v Speaker 1>and I'll be looking. I'd be like, Yeah, it's gonna

0:42:46.200 --> 0:42:47.879
<v Speaker 1>be too hard for me. It's gonna be too much.

0:42:48.080 --> 0:42:49.759
<v Speaker 1>I'm gonna have to go through all of these things.

0:42:49.840 --> 0:42:52.520
<v Speaker 1>So what is that first and issue thing that you

0:42:52.719 --> 0:42:56.239
<v Speaker 1>do that can tell somebody who's got that mind state

0:42:56.360 --> 0:43:00.000
<v Speaker 1>like to do, just do that first? So me personally,

0:43:00.040 --> 0:43:03.560
<v Speaker 1>I think everybody should explore getting their real estate license

0:43:03.760 --> 0:43:06.279
<v Speaker 1>or get in their loan officer license because it's it's

0:43:06.480 --> 0:43:09.680
<v Speaker 1>it's not expensive first and foremost right to get your

0:43:09.719 --> 0:43:13.040
<v Speaker 1>loan officer license may cause you five hundred bucks if that, UM,

0:43:13.120 --> 0:43:15.719
<v Speaker 1>you have to take a twenty five hour class. You

0:43:15.840 --> 0:43:18.360
<v Speaker 1>pass that class, then you pass the federal exam, and

0:43:18.440 --> 0:43:22.520
<v Speaker 1>then you can submit your application UM to get up

0:43:22.600 --> 0:43:24.759
<v Speaker 1>your license. But then you have to get sponsored by

0:43:24.800 --> 0:43:27.080
<v Speaker 1>a bank um. And there's plenty of banks out here,

0:43:27.160 --> 0:43:30.320
<v Speaker 1>mortgage broker companies out here that will take a chance

0:43:30.400 --> 0:43:33.360
<v Speaker 1>with someone who wants to learn the business, so it

0:43:33.520 --> 0:43:35.400
<v Speaker 1>doesn't take too much time. And to get your real

0:43:35.520 --> 0:43:37.880
<v Speaker 1>estate license, I think it's seventy hours that you have

0:43:37.960 --> 0:43:40.040
<v Speaker 1>to commit to and that's a couple of hundred bucks

0:43:40.320 --> 0:43:42.800
<v Speaker 1>as well. And you see there's thousands of people with

0:43:42.920 --> 0:43:47.400
<v Speaker 1>real estate licenses right, um. But anybody can get licensed, right.

0:43:47.560 --> 0:43:50.200
<v Speaker 1>That's the easy part. I think. To actually now perform

0:43:50.320 --> 0:43:52.880
<v Speaker 1>and do well, let your job and become successful, you

0:43:53.000 --> 0:43:55.920
<v Speaker 1>have to dedicate the time to educate yourself. You know.

0:43:56.080 --> 0:43:57.960
<v Speaker 1>One of the mistakes that I first made when I

0:43:58.040 --> 0:44:00.160
<v Speaker 1>came in this business, I didn't take the time to

0:44:00.280 --> 0:44:03.240
<v Speaker 1>learn my history about real estate or learn my history

0:44:03.320 --> 0:44:06.000
<v Speaker 1>about finances and things of that nature. I would just

0:44:06.360 --> 0:44:08.000
<v Speaker 1>run and gun. I just wanted to make money. I

0:44:08.040 --> 0:44:11.960
<v Speaker 1>see these people in the offices making dollars a month,

0:44:12.200 --> 0:44:13.960
<v Speaker 1>and I'm looking at them like, yeah, if these clients

0:44:14.000 --> 0:44:16.920
<v Speaker 1>can do it, so can I. So I'm gonna just hustle, right,

0:44:17.000 --> 0:44:19.080
<v Speaker 1>That's all I know. But I would tell anybody else

0:44:19.120 --> 0:44:21.520
<v Speaker 1>who's coming into this business today, you gotta take the

0:44:21.600 --> 0:44:23.960
<v Speaker 1>time to learn. You gotta study your guidelines because you're

0:44:23.960 --> 0:44:26.680
<v Speaker 1>dealing with people's livelihood. You're dealing with their life, and

0:44:26.760 --> 0:44:29.080
<v Speaker 1>you don't want to mess nobody up. So once you

0:44:29.160 --> 0:44:32.520
<v Speaker 1>get your license is one thing. But I think self education.

0:44:33.000 --> 0:44:36.600
<v Speaker 1>You know, Google, Google's your best friend, YouTube University. You know,

0:44:36.719 --> 0:44:38.520
<v Speaker 1>there's a lot of paid courses and things of that

0:44:38.680 --> 0:44:42.719
<v Speaker 1>nature where you can um deepen your knowledge base of

0:44:43.000 --> 0:44:46.640
<v Speaker 1>this business to go out there and be successful. So

0:44:47.120 --> 0:44:50.360
<v Speaker 1>how did you also at some point realize that you

0:44:50.480 --> 0:44:54.840
<v Speaker 1>needed to learn about discrimination like redlining and all of

0:44:54.960 --> 0:44:58.479
<v Speaker 1>that within the industry as well, so that you could

0:44:58.880 --> 0:45:01.840
<v Speaker 1>help to overcome on the barriers that black and brown

0:45:01.960 --> 0:45:05.120
<v Speaker 1>people face when they go for mortgages. To be honest,

0:45:05.640 --> 0:45:08.320
<v Speaker 1>keep it a bunk with you guys. Know, in the beginning, again,

0:45:08.360 --> 0:45:11.040
<v Speaker 1>I just wanted to make money. That's all I cared about.

0:45:11.600 --> 0:45:15.640
<v Speaker 1>And you know, the wild cowboy days. Is when I

0:45:15.760 --> 0:45:18.279
<v Speaker 1>came in this business, the subprime crisis, right, you needed

0:45:18.280 --> 0:45:20.640
<v Speaker 1>a post to get alone at that time, So for

0:45:20.800 --> 0:45:23.160
<v Speaker 1>me and I was taught by ex Wall Street guys,

0:45:23.600 --> 0:45:25.440
<v Speaker 1>guys who got kicked off a Wall Street and they

0:45:25.480 --> 0:45:27.160
<v Speaker 1>could just go on the mortgage business because there was

0:45:27.360 --> 0:45:29.719
<v Speaker 1>no regulation. You didn't need a license at that time,

0:45:30.040 --> 0:45:32.160
<v Speaker 1>so we were taught. When I came in, I was

0:45:32.200 --> 0:45:35.120
<v Speaker 1>taught by savages to be honest with you. So everybody

0:45:35.239 --> 0:45:37.640
<v Speaker 1>was a dollar sign and I didn't care who you were.

0:45:38.280 --> 0:45:40.080
<v Speaker 1>My thing is how much money can I make off

0:45:40.120 --> 0:45:43.759
<v Speaker 1>the deal um. But when the market started crashing, I

0:45:43.840 --> 0:45:46.480
<v Speaker 1>didn't have the education in the background to understand what

0:45:46.600 --> 0:45:49.560
<v Speaker 1>I was doing was actually wrong. Right, and karma has

0:45:49.640 --> 0:45:52.160
<v Speaker 1>no expiration date. I lost everything going to crash. I

0:45:52.239 --> 0:45:55.200
<v Speaker 1>lost property, I lost everything. I even lost my mentor

0:45:55.920 --> 0:45:58.560
<v Speaker 1>right um. At one point of time, I wanted to

0:45:58.840 --> 0:46:02.160
<v Speaker 1>kill myself because my existence at that time was tied

0:46:02.200 --> 0:46:04.640
<v Speaker 1>to materialistic items. You know, you come from the hood,

0:46:04.719 --> 0:46:06.279
<v Speaker 1>you don't have no money. Then you're making all this

0:46:06.400 --> 0:46:09.040
<v Speaker 1>money buying cause you're buying bottles, you're going out, and

0:46:09.080 --> 0:46:11.680
<v Speaker 1>then when you can't do it no more, it's like damn, Like,

0:46:11.760 --> 0:46:14.040
<v Speaker 1>what the hell is going on? I'm a loser. Yeah,

0:46:14.080 --> 0:46:16.600
<v Speaker 1>I'm a loser now, right. So when I lost everything,

0:46:16.719 --> 0:46:18.560
<v Speaker 1>that was probably the best thing that ever happened to

0:46:18.640 --> 0:46:21.120
<v Speaker 1>me because it made me sit down and kind of

0:46:21.280 --> 0:46:23.759
<v Speaker 1>learn the business. So when I when I got my

0:46:23.920 --> 0:46:27.120
<v Speaker 1>mind back right, I started learning about red line and

0:46:27.120 --> 0:46:30.120
<v Speaker 1>I started learning about discriminating. I started learning like, damn,

0:46:30.480 --> 0:46:32.279
<v Speaker 1>how could they even allow us to do these type

0:46:32.320 --> 0:46:35.640
<v Speaker 1>of loans, especially to people that look like us, knowing damn, well,

0:46:35.719 --> 0:46:38.160
<v Speaker 1>we don't even have the financial education. And I am

0:46:38.200 --> 0:46:41.120
<v Speaker 1>a person sitting here originating these loans and I don't

0:46:41.160 --> 0:46:44.080
<v Speaker 1>even have the education. I'm not even that qualified to

0:46:44.160 --> 0:46:47.800
<v Speaker 1>give the loans that I was given, right. Um. So

0:46:48.000 --> 0:46:49.560
<v Speaker 1>that's what really made me say, you know what, I

0:46:49.600 --> 0:46:52.080
<v Speaker 1>gotta do this business different. I gotta learn how to

0:46:52.320 --> 0:46:55.319
<v Speaker 1>deepen a relationship with the person. I gotta learn how

0:46:55.400 --> 0:46:58.680
<v Speaker 1>to um value their needs because it's not about the

0:46:58.760 --> 0:47:01.080
<v Speaker 1>money that I'm gonna make, It's about if I help

0:47:01.160 --> 0:47:03.239
<v Speaker 1>you reach your goals, the money is going to come.

0:47:03.760 --> 0:47:06.160
<v Speaker 1>So that's when I really started paying attention to the

0:47:06.320 --> 0:47:09.440
<v Speaker 1>history and things of that nature and started realizing the

0:47:09.520 --> 0:47:12.600
<v Speaker 1>wealth gap that our community has in real estate. And

0:47:12.760 --> 0:47:15.080
<v Speaker 1>now that's why you guys, when I'm talking about now

0:47:15.600 --> 0:47:17.840
<v Speaker 1>and stuff I was talking about ten years ago just

0:47:18.000 --> 0:47:20.440
<v Speaker 1>to my client base of people who knew me, especially

0:47:20.480 --> 0:47:23.359
<v Speaker 1>to black people, because now I'm dealing with people who

0:47:23.400 --> 0:47:25.000
<v Speaker 1>are affluent. I used to work for Chase and I

0:47:25.080 --> 0:47:26.759
<v Speaker 1>was on Wall Street, so I'm dealing with head funk

0:47:26.800 --> 0:47:28.560
<v Speaker 1>guys and that's not a third And I'm seeing how

0:47:28.560 --> 0:47:31.759
<v Speaker 1>they're structuring their loans and their business, and I see

0:47:31.760 --> 0:47:34.520
<v Speaker 1>how my people come in. They're not thinking about having

0:47:34.560 --> 0:47:36.960
<v Speaker 1>all these different trust and things of that nature. So

0:47:37.080 --> 0:47:39.239
<v Speaker 1>I started taking the information I was learning on Wall

0:47:39.320 --> 0:47:42.600
<v Speaker 1>Street and just passing it down to my people, and

0:47:42.640 --> 0:47:45.200
<v Speaker 1>they still couldn't really understand what I was saying. What

0:47:45.640 --> 0:47:48.120
<v Speaker 1>I still was like, I was talking about it. And

0:47:48.280 --> 0:47:51.280
<v Speaker 1>now that's what you see me today is I preached,

0:47:51.360 --> 0:47:54.160
<v Speaker 1>you know, generational wealth. I preached life insurance. I preached

0:47:54.160 --> 0:47:57.359
<v Speaker 1>setting up trust, you know, making sure you're doing things

0:47:57.440 --> 0:47:59.319
<v Speaker 1>the right thing, making sure you can afford the home,

0:47:59.360 --> 0:48:01.279
<v Speaker 1>because it doesn't matter what the bank would give you.

0:48:01.960 --> 0:48:04.400
<v Speaker 1>That eligibility for a loan doesn't mean ship if you

0:48:04.480 --> 0:48:07.520
<v Speaker 1>can't afford to make those payments right. And that's very

0:48:07.640 --> 0:48:09.640
<v Speaker 1>important because these banks will give you a loan, they

0:48:09.680 --> 0:48:13.720
<v Speaker 1>don't care. They're waiting for you. They're waiting for your downfall.

0:48:14.239 --> 0:48:16.880
<v Speaker 1>They're waiting for your downfall. So ultimately, at the end

0:48:16.920 --> 0:48:20.200
<v Speaker 1>of the day, I want to preach affordable home ownership.

0:48:20.320 --> 0:48:22.120
<v Speaker 1>I want people, if you're gonna go out here and

0:48:22.120 --> 0:48:24.960
<v Speaker 1>you're gonna take that on, make sure you can pay it.

0:48:25.040 --> 0:48:27.880
<v Speaker 1>Even if you buying rental properties. These tenants ain't guaranteed

0:48:27.920 --> 0:48:29.880
<v Speaker 1>to pay you anything. You better make sure you have

0:48:30.000 --> 0:48:32.080
<v Speaker 1>that money to pay the mortgage because these people want

0:48:32.120 --> 0:48:35.840
<v Speaker 1>their money regardless of what you're going through. So the

0:48:35.960 --> 0:48:41.040
<v Speaker 1>discrimination and in our um time that we've been on

0:48:41.160 --> 0:48:44.279
<v Speaker 1>earth black people is just ridiculous, especially when it comes

0:48:44.360 --> 0:48:47.160
<v Speaker 1>to lending like the red line, and I mean even

0:48:47.200 --> 0:48:49.000
<v Speaker 1>look at the deeds back in the day. You know,

0:48:49.040 --> 0:48:50.800
<v Speaker 1>in the sixties and the fifties and the sixties, and

0:48:50.880 --> 0:48:53.160
<v Speaker 1>deeds were writing in that people of color couldn't buy

0:48:53.239 --> 0:48:56.320
<v Speaker 1>in these areas, like and it was perfectly legal, like it.

0:48:56.480 --> 0:48:59.680
<v Speaker 1>It's crazy once you start doing the history. So I'm

0:49:00.000 --> 0:49:03.160
<v Speaker 1>ownership advocate. I tell my people, look, I'm gonna care

0:49:03.160 --> 0:49:04.600
<v Speaker 1>if you rent, but you need to have a plan

0:49:04.680 --> 0:49:06.439
<v Speaker 1>to go out there. And buy something. Because there's people

0:49:06.640 --> 0:49:08.560
<v Speaker 1>that look like us that fought for us to get

0:49:08.640 --> 0:49:10.239
<v Speaker 1>to the point to where we are today, to be

0:49:10.320 --> 0:49:13.239
<v Speaker 1>about to go out here and own and buy. You know,

0:49:13.320 --> 0:49:15.200
<v Speaker 1>in the fifties and sixties they couldn't do it as

0:49:15.280 --> 0:49:17.399
<v Speaker 1>freely as we are. So why are we sitting here

0:49:17.920 --> 0:49:21.960
<v Speaker 1>not pushing ourselves to go out here and own so

0:49:22.960 --> 0:49:25.320
<v Speaker 1>and and that's that's beautiful, man, because a lot of

0:49:25.880 --> 0:49:28.520
<v Speaker 1>people don't think that were a lot of people, like

0:49:28.600 --> 0:49:30.080
<v Speaker 1>I said, a lot of people are skared. So what

0:49:30.480 --> 0:49:34.680
<v Speaker 1>do you think are the two biggest mistakes that people

0:49:34.840 --> 0:49:38.040
<v Speaker 1>make when they purchasing homes or trying to purchase the home.

0:49:38.840 --> 0:49:42.719
<v Speaker 1>I think, first of all, mentally, they're not mature enough. Right,

0:49:42.800 --> 0:49:45.680
<v Speaker 1>this is a responsibility, you know, owning a home. As

0:49:45.760 --> 0:49:47.360
<v Speaker 1>quick as you get the home, you can lose it,

0:49:48.080 --> 0:49:51.640
<v Speaker 1>you know. I think people only think about the mortgage payment.

0:49:51.680 --> 0:49:54.279
<v Speaker 1>But you've got utility bills, you know, you got you

0:49:54.360 --> 0:49:57.160
<v Speaker 1>got maintenance of the house. How you got daycare if

0:49:57.200 --> 0:49:59.680
<v Speaker 1>you have kids, you know, and it takes a certain

0:49:59.800 --> 0:50:02.759
<v Speaker 1>level a maturity to pay your bills on time. Maintenance

0:50:02.840 --> 0:50:08.400
<v Speaker 1>of the house. Lord Jesus, it's not it's crazy, it's crazy.

0:50:08.560 --> 0:50:12.960
<v Speaker 1>It's always breaking this. We were just talking earlier about

0:50:13.000 --> 0:50:18.120
<v Speaker 1>the stairs and a hole over here, and then extermination

0:50:18.360 --> 0:50:21.680
<v Speaker 1>because during certain seasons the water bugs get in and

0:50:21.760 --> 0:50:25.160
<v Speaker 1>then it's a lot that happens, and you have to

0:50:25.200 --> 0:50:28.040
<v Speaker 1>be mature to handle that stuff right, and your mind

0:50:28.120 --> 0:50:29.520
<v Speaker 1>has to be right, and there's a lot of people

0:50:29.600 --> 0:50:31.919
<v Speaker 1>out here that's immature. So the first step is I'll

0:50:31.920 --> 0:50:34.040
<v Speaker 1>always tell people you have to make sure that you're

0:50:34.120 --> 0:50:37.600
<v Speaker 1>mentally prepared for home ownership because if you're not, that

0:50:37.719 --> 0:50:40.719
<v Speaker 1>ship can ruin your whole appetite of even wanting to

0:50:40.800 --> 0:50:43.160
<v Speaker 1>own a home. So number one, get your mom right.

0:50:43.280 --> 0:50:47.839
<v Speaker 1>Number two always credit. You have to have your credit right.

0:50:47.920 --> 0:50:49.920
<v Speaker 1>If your credit ain't ain't right, you're not going to

0:50:50.040 --> 0:50:51.919
<v Speaker 1>get anything. And if you are able to get something,

0:50:51.960 --> 0:50:53.879
<v Speaker 1>you're gonna get the worst interest rates, you're gonna get

0:50:53.880 --> 0:50:55.800
<v Speaker 1>the worst terms, and it's going to be more expensive

0:50:55.840 --> 0:50:58.319
<v Speaker 1>for you. And number three, as a bonus, my song,

0:50:58.360 --> 0:51:00.839
<v Speaker 1>I would tell you need to have some money right,

0:51:01.000 --> 0:51:04.080
<v Speaker 1>just like to make it just said. Something's happening, something's breaking,

0:51:04.400 --> 0:51:05.960
<v Speaker 1>you need to be able to pay for and then

0:51:06.000 --> 0:51:08.759
<v Speaker 1>you can't just always rely on credit cards because now

0:51:08.880 --> 0:51:11.960
<v Speaker 1>you're falling into that matrix, that that that debt matrix

0:51:12.320 --> 0:51:14.560
<v Speaker 1>where you're never going to get out of that cycle

0:51:14.840 --> 0:51:17.400
<v Speaker 1>if you're always swiping. And it's good to swipe to

0:51:17.440 --> 0:51:19.200
<v Speaker 1>get your points and everything like that, but you need

0:51:19.239 --> 0:51:21.600
<v Speaker 1>to have that capital, that cash to pay that thing

0:51:21.680 --> 0:51:24.399
<v Speaker 1>off right away so that way you're not sitting here

0:51:24.440 --> 0:51:26.600
<v Speaker 1>falling behind the eight ball. So those will probably be

0:51:26.680 --> 0:51:29.200
<v Speaker 1>the most three important things that I would tell people.

0:51:29.440 --> 0:51:33.359
<v Speaker 1>Mind rite credit money right, and then the world is yours. Well,

0:51:33.440 --> 0:51:37.440
<v Speaker 1>when you think about when people think about mortgages and

0:51:37.960 --> 0:51:42.600
<v Speaker 1>buying property, they automatically think of houses, grass on the

0:51:42.719 --> 0:51:48.560
<v Speaker 1>outside driveway. But there's also condos, right, There's there are

0:51:48.680 --> 0:51:51.200
<v Speaker 1>other things that you might meet. Because I don't know

0:51:51.560 --> 0:51:55.719
<v Speaker 1>if I would if today I had to go out

0:51:55.800 --> 0:51:59.880
<v Speaker 1>and buy something. I'm not sure that I would buy houses.

0:52:00.440 --> 0:52:02.600
<v Speaker 1>I think I would buy and I'm talking about for

0:52:02.680 --> 0:52:05.160
<v Speaker 1>me to physically live in. I live in a house now,

0:52:05.560 --> 0:52:08.479
<v Speaker 1>but I'm saying if I was moving, I probably would

0:52:08.560 --> 0:52:11.160
<v Speaker 1>want to go somewhere and buy a condo that I

0:52:11.200 --> 0:52:15.120
<v Speaker 1>don't have all the responsibility of the grounds. So and

0:52:15.200 --> 0:52:17.440
<v Speaker 1>I know my parents did the same thing for them,

0:52:17.560 --> 0:52:20.800
<v Speaker 1>like they just didn't want that responsibility, so they chose

0:52:21.440 --> 0:52:24.640
<v Speaker 1>to go in in the route of the apartment. So

0:52:25.000 --> 0:52:27.719
<v Speaker 1>is that something that you also suggest for people who

0:52:27.840 --> 0:52:31.680
<v Speaker 1>might not be mentally or financially ready for the responsibility

0:52:31.960 --> 0:52:35.560
<v Speaker 1>of the grounds to keep their grounds. Yeah. I tell

0:52:35.600 --> 0:52:38.120
<v Speaker 1>everybody you have to do what's right, what's best for you.

0:52:38.320 --> 0:52:40.520
<v Speaker 1>You only know what you can handle and what you

0:52:40.640 --> 0:52:43.880
<v Speaker 1>can't handle. And owning a single family property is just

0:52:44.000 --> 0:52:47.800
<v Speaker 1>not for everybody. How even owning investment properties or multi families,

0:52:48.160 --> 0:52:50.080
<v Speaker 1>it is not for everybody. Not everybody is meant to

0:52:50.120 --> 0:52:52.440
<v Speaker 1>be a landlord, you know what I'm saying, And it

0:52:52.560 --> 0:52:54.920
<v Speaker 1>takes you gotta be cut from a certain cloth to

0:52:55.040 --> 0:52:57.160
<v Speaker 1>be able to deal with tenants and property managers and

0:52:57.280 --> 0:52:59.839
<v Speaker 1>things of that nature. So I'm not one of these people.

0:53:00.000 --> 0:53:01.719
<v Speaker 1>If you look on the internet, especially in the real

0:53:01.800 --> 0:53:04.799
<v Speaker 1>estate space, a lot of people will condemn you buying

0:53:04.840 --> 0:53:08.240
<v Speaker 1>a single family home or buying a condo. Me personally,

0:53:08.480 --> 0:53:10.280
<v Speaker 1>I say, Black people just need to go buy something,

0:53:10.880 --> 0:53:13.000
<v Speaker 1>you know what I'm saying. Fifty percent of our community

0:53:13.040 --> 0:53:15.400
<v Speaker 1>is renters. So I don't care if you're buying a condo.

0:53:15.719 --> 0:53:17.279
<v Speaker 1>I don't care if you buying a single family a

0:53:17.320 --> 0:53:21.120
<v Speaker 1>multi multi family. Make sure you understand your terms that

0:53:21.200 --> 0:53:23.560
<v Speaker 1>you're getting yourself involved and make sure you can afford

0:53:23.640 --> 0:53:26.640
<v Speaker 1>it no matter what property type that you're purchasing, because

0:53:26.680 --> 0:53:29.000
<v Speaker 1>we want to sustain the home ownership. We don't want

0:53:29.040 --> 0:53:31.279
<v Speaker 1>to just have it for a year or two and

0:53:31.360 --> 0:53:34.279
<v Speaker 1>then year three you're struggling. You live in paycheck to

0:53:34.320 --> 0:53:37.640
<v Speaker 1>paycheck and it's not good for you. So I'm all

0:53:37.760 --> 0:53:39.680
<v Speaker 1>for it. Like, you know what you want to make,

0:53:40.040 --> 0:53:42.080
<v Speaker 1>So why not go get a condo ship, get the

0:53:42.239 --> 0:53:44.840
<v Speaker 1>with the amenities, with the everything that you need is

0:53:44.880 --> 0:53:48.200
<v Speaker 1>all built in, so you're good. Why not? But just

0:53:48.320 --> 0:53:50.920
<v Speaker 1>be smart, Just be smart about it, because you know

0:53:51.040 --> 0:53:55.200
<v Speaker 1>it's easy to be. That's the other thing people don't realize.

0:53:55.280 --> 0:53:57.880
<v Speaker 1>You buy it and then they're still fees. What is

0:53:57.920 --> 0:54:02.879
<v Speaker 1>it called your assessment? Yeah? Yeah, maintenance, maintenance feeling. Yeah,

0:54:05.040 --> 0:54:07.759
<v Speaker 1>those those maintenance fees and h o A fees, They

0:54:07.960 --> 0:54:11.200
<v Speaker 1>those things add up. Like even for just talking about fees, right,

0:54:11.239 --> 0:54:13.200
<v Speaker 1>You've got to think about your property taxes and your

0:54:13.239 --> 0:54:17.560
<v Speaker 1>homeowners insurance too. That goes up annually. As homes are appreciating,

0:54:17.640 --> 0:54:19.960
<v Speaker 1>your property taxes are going to go out. And what

0:54:20.120 --> 0:54:22.560
<v Speaker 1>I try to tell people is, hey, when you your

0:54:22.600 --> 0:54:25.200
<v Speaker 1>mortgage payment today, You might be in a thirty year

0:54:25.400 --> 0:54:28.800
<v Speaker 1>fixed rate and your principal interest payment may not change,

0:54:29.239 --> 0:54:32.480
<v Speaker 1>but your escrow payment, which is your taxes and insurance,

0:54:32.840 --> 0:54:36.239
<v Speaker 1>that will change annually. So if your houses are appreciating,

0:54:36.440 --> 0:54:38.839
<v Speaker 1>guess what the town is going to assess reassess your

0:54:38.880 --> 0:54:41.439
<v Speaker 1>house every year, and they're gonna raise your taxes because

0:54:41.520 --> 0:54:43.960
<v Speaker 1>that's how they make money, right, and that's going to

0:54:44.120 --> 0:54:47.280
<v Speaker 1>drive your payment up. Your homeowners insurance. These insurance companies

0:54:47.400 --> 0:54:49.399
<v Speaker 1>could be kind of crooking a little bit. They will

0:54:49.480 --> 0:54:52.680
<v Speaker 1>raise your insurance two thousand, three thousand dollars after year one,

0:54:52.880 --> 0:54:54.719
<v Speaker 1>and you're like, what the hell you raise my insurance for?

0:54:55.160 --> 0:54:57.320
<v Speaker 1>So you have to be mindful and pay attention to

0:54:57.440 --> 0:55:00.280
<v Speaker 1>these things. Although the bank might be managing the aiming

0:55:00.320 --> 0:55:03.960
<v Speaker 1>of it, you have to make sure that you are

0:55:04.000 --> 0:55:06.800
<v Speaker 1>paying attention because you can always fire the insurance company

0:55:06.840 --> 0:55:08.759
<v Speaker 1>and go get a new insurance company to keep your

0:55:08.800 --> 0:55:12.120
<v Speaker 1>payment low, but your property taxes you can't. So all

0:55:12.200 --> 0:55:15.000
<v Speaker 1>these fees you have to take in consideration when you

0:55:15.080 --> 0:55:23.480
<v Speaker 1>get into home ownership. Thanks so um this entrepreneurship mortgage loan?

0:55:23.880 --> 0:55:25.960
<v Speaker 1>How does that work? And do you think it's a

0:55:26.080 --> 0:55:30.640
<v Speaker 1>good thing? Yeah? So the entrepreneur loans. There's different variations

0:55:30.719 --> 0:55:32.759
<v Speaker 1>of it, but the most popular is when you use

0:55:32.840 --> 0:55:37.799
<v Speaker 1>your bank statements UM to qualify. You use those deposits

0:55:38.040 --> 0:55:40.920
<v Speaker 1>over the past twelve months versus using your tax returns

0:55:41.000 --> 0:55:45.239
<v Speaker 1>by going with like a traditional conventional UM mortgage. So

0:55:45.360 --> 0:55:47.920
<v Speaker 1>it's a good program. I originate that program to a

0:55:48.000 --> 0:55:51.120
<v Speaker 1>lot of entrepreneurs because let's face it, the tax code

0:55:51.320 --> 0:55:54.320
<v Speaker 1>is built for business owners right and most business owners

0:55:54.400 --> 0:55:57.520
<v Speaker 1>are not even if they make a gross a million dollars,

0:55:57.800 --> 0:55:59.960
<v Speaker 1>they're not going to show their net is a million

0:56:00.000 --> 0:56:02.839
<v Speaker 1>dollars because who wants to pay taxes on a million dollars.

0:56:02.840 --> 0:56:05.719
<v Speaker 1>You're gonna show as little as possible to keep your

0:56:05.840 --> 0:56:08.960
<v Speaker 1>tax built down. But when you do that, you now

0:56:09.320 --> 0:56:13.760
<v Speaker 1>are public pros possibly disqualifying yourself from going traditional route

0:56:14.239 --> 0:56:16.719
<v Speaker 1>where you can get a cheaper interest rate. So these

0:56:16.960 --> 0:56:20.759
<v Speaker 1>entrepreneurs serve a purpose and the need for those entrepreneurs

0:56:20.800 --> 0:56:23.560
<v Speaker 1>who are taking full advantage of the tax code to

0:56:23.680 --> 0:56:26.200
<v Speaker 1>still go out there and buy real estate. What you

0:56:26.320 --> 0:56:28.319
<v Speaker 1>have to understand it's going to come at a higher

0:56:28.400 --> 0:56:31.360
<v Speaker 1>interest rate than the traditional So like right now today

0:56:31.480 --> 0:56:33.960
<v Speaker 1>the conventional mortgages is right around six six and a

0:56:34.080 --> 0:56:37.840
<v Speaker 1>quarter um percent, where this entrepreneur loan might be seven

0:56:38.000 --> 0:56:40.960
<v Speaker 1>seven and a half on a thirty year fix. But

0:56:41.120 --> 0:56:43.600
<v Speaker 1>the entrepreneur who's making money, who's doing what they have

0:56:43.719 --> 0:56:46.400
<v Speaker 1>to do, that might be more advantageous for them to

0:56:46.480 --> 0:56:50.000
<v Speaker 1>go that route because it still might be cheaper payment

0:56:50.040 --> 0:56:54.000
<v Speaker 1>wise versus dumb paying two three, four hundred thousand taxes

0:56:54.080 --> 0:56:56.400
<v Speaker 1>just depending on how much income they've grown in. So

0:56:56.480 --> 0:57:00.239
<v Speaker 1>it's a great product, and UM, I encourage entrepreneurs and

0:57:00.360 --> 0:57:03.040
<v Speaker 1>business owners to content to look into all the options

0:57:03.080 --> 0:57:05.480
<v Speaker 1>that are available because most think they can't buy home,

0:57:05.840 --> 0:57:07.920
<v Speaker 1>and you can. There's a lot of business owners out

0:57:07.960 --> 0:57:11.960
<v Speaker 1>head taken full advantage of these programs. Mhmm. Thanks for

0:57:12.280 --> 0:57:14.520
<v Speaker 1>you know, there's a lot of entrepreneurs that I'm glad

0:57:14.560 --> 0:57:17.640
<v Speaker 1>you asked that question because I'm sure they are entrepreneurs

0:57:17.720 --> 0:57:20.520
<v Speaker 1>who that's gonna be really important to them because, as

0:57:20.600 --> 0:57:23.520
<v Speaker 1>you said, most people they think they have to wait

0:57:23.640 --> 0:57:26.360
<v Speaker 1>three years and file their taxes and have a certain

0:57:26.480 --> 0:57:29.000
<v Speaker 1>number and do all of these things. I didn't even

0:57:29.040 --> 0:57:31.640
<v Speaker 1>know you could use your bank statements um as a

0:57:31.680 --> 0:57:33.960
<v Speaker 1>way to apply and yeah, it's a higher interest rate,

0:57:34.040 --> 0:57:38.160
<v Speaker 1>but you can refinance at a later period when you

0:57:38.280 --> 0:57:42.840
<v Speaker 1>may have the necessary documentation from a tax perspective, right, absolutely,

0:57:42.960 --> 0:57:44.880
<v Speaker 1>So what I tell everybody is this, it's a quick

0:57:44.920 --> 0:57:48.040
<v Speaker 1>little hack that I try to tell people. Right, if

0:57:48.120 --> 0:57:50.479
<v Speaker 1>you are entrepreneur, you've been in business for five years,

0:57:50.920 --> 0:57:53.680
<v Speaker 1>unless just say you use your bank statements just to

0:57:54.080 --> 0:57:57.040
<v Speaker 1>as your entrepreneur loan with the bank statement program to

0:57:57.120 --> 0:57:59.040
<v Speaker 1>get into the house and you get a seven and

0:57:59.080 --> 0:58:02.520
<v Speaker 1>a high percent. Let's just say, for example, now you

0:58:02.640 --> 0:58:06.320
<v Speaker 1>make sure you file your taxes the right way, so

0:58:06.560 --> 0:58:10.240
<v Speaker 1>that way when you're able to refinance, if you um

0:58:10.440 --> 0:58:14.200
<v Speaker 1>have five years in business, then conventional loans will only

0:58:14.240 --> 0:58:16.720
<v Speaker 1>require one year tax returns and we won't go back

0:58:16.800 --> 0:58:19.360
<v Speaker 1>two or three years. So you can now use that

0:58:19.600 --> 0:58:23.080
<v Speaker 1>fresh new tax return that's showing all the income and

0:58:23.240 --> 0:58:25.760
<v Speaker 1>all the years that you were kind of deducting everything.

0:58:26.120 --> 0:58:28.800
<v Speaker 1>We won't even use that. So now when you use

0:58:28.840 --> 0:58:31.200
<v Speaker 1>the entrepreneur loan, because everything, you have to have an

0:58:31.240 --> 0:58:34.480
<v Speaker 1>exit strategy. Right. You can't go into something thinking I'm

0:58:34.480 --> 0:58:36.480
<v Speaker 1>gonna be here and this is I'm staying comfortable. No,

0:58:36.640 --> 0:58:38.480
<v Speaker 1>you have to have a plan of action. So what

0:58:38.560 --> 0:58:41.200
<v Speaker 1>I try to do accept my clients up for the

0:58:41.320 --> 0:58:43.600
<v Speaker 1>purchase and then the refinance to get out of it,

0:58:43.720 --> 0:58:45.440
<v Speaker 1>so now you can save money and get down to

0:58:45.520 --> 0:58:48.520
<v Speaker 1>the market rate. So that's a quick tip for any

0:58:48.680 --> 0:58:52.080
<v Speaker 1>entrepreneurs that's gonna watch this. If you use this entrepreneur loan,

0:58:52.520 --> 0:58:54.880
<v Speaker 1>make sure that same calendar year when you go file

0:58:54.880 --> 0:58:57.280
<v Speaker 1>your taxes, make sure you file it the right way

0:58:58.000 --> 0:58:59.880
<v Speaker 1>so that way you you might and you're gonna have

0:59:00.000 --> 0:59:01.880
<v Speaker 1>to pay some taxes, right, and there's nothing wrong with

0:59:01.960 --> 0:59:05.160
<v Speaker 1>paying Uncle Sam right pay those taxes because now you're

0:59:05.200 --> 0:59:08.360
<v Speaker 1>going to be able to leverage that tax return to refinance.

0:59:08.440 --> 0:59:10.800
<v Speaker 1>But also you can still now leverage that tax return

0:59:10.840 --> 0:59:12.880
<v Speaker 1>to buy more real estate and invest and get the

0:59:12.960 --> 0:59:15.360
<v Speaker 1>cheapest money that's available on the market. And that's what

0:59:15.400 --> 0:59:17.720
<v Speaker 1>we're going with a conventional mortgage. So it just really

0:59:17.760 --> 0:59:20.680
<v Speaker 1>depends on what that person goes on and what they're

0:59:20.720 --> 0:59:24.760
<v Speaker 1>really trying to accomplish in real estate. So we we

0:59:24.880 --> 0:59:27.240
<v Speaker 1>have to wrap up um, and I know also we

0:59:27.360 --> 0:59:29.400
<v Speaker 1>need to let you get back to your business. But

0:59:29.600 --> 0:59:31.160
<v Speaker 1>one thing I want to make sure we say in

0:59:31.280 --> 0:59:35.720
<v Speaker 1>this spot is that it's important for people to express

0:59:35.960 --> 0:59:39.960
<v Speaker 1>their plan to everybody they work with, because I at

0:59:40.040 --> 0:59:43.440
<v Speaker 1>one point my banker, I had one set of conversations

0:59:43.520 --> 0:59:45.760
<v Speaker 1>over there, and then something else with the accountant, and

0:59:45.920 --> 0:59:49.320
<v Speaker 1>something else with you know, different individuals, and since people

0:59:49.400 --> 0:59:53.440
<v Speaker 1>didn't understand my plan, and I felt like at one

0:59:53.480 --> 0:59:56.920
<v Speaker 1>point I felt like I work for these folks right,

0:59:57.000 --> 1:00:00.040
<v Speaker 1>Like they're too busy to listen to me, and I

1:00:00.120 --> 1:00:03.120
<v Speaker 1>need to talk quick and harry up and get things done.

1:00:03.160 --> 1:00:05.160
<v Speaker 1>And then when I learned that, wait a minute, they're

1:00:05.240 --> 1:00:08.840
<v Speaker 1>here for my benefit, then I was able to explain

1:00:08.960 --> 1:00:12.200
<v Speaker 1>to everyone working around me, even the credit specialists that

1:00:12.280 --> 1:00:15.040
<v Speaker 1>helped me get my credit straight. Shout out to Quincy

1:00:15.160 --> 1:00:18.120
<v Speaker 1>from Credit Concepts with my son's friend that when I

1:00:18.200 --> 1:00:19.840
<v Speaker 1>first met him, I was like, I don't know about

1:00:19.880 --> 1:00:22.760
<v Speaker 1>this my son, and he's like, now he's good people.

1:00:22.920 --> 1:00:25.240
<v Speaker 1>And now you know, my whole family has worked with

1:00:25.400 --> 1:00:29.280
<v Speaker 1>Quincy UM. And you know now that everybody understands what

1:00:29.360 --> 1:00:31.720
<v Speaker 1>I'm trying to do, we're on the right track. From

1:00:31.760 --> 1:00:35.280
<v Speaker 1>my credit cards, with my banking, with my banker, she

1:00:35.560 --> 1:00:38.360
<v Speaker 1>understands what we're trying to do, you know. So so

1:00:38.880 --> 1:00:41.840
<v Speaker 1>it's just important for people to have the right conversations

1:00:41.880 --> 1:00:44.640
<v Speaker 1>and express to people what your goals are so that

1:00:44.720 --> 1:00:47.360
<v Speaker 1>a plan, a collective plan, can happen. I want to

1:00:47.400 --> 1:00:50.440
<v Speaker 1>shift real quick, because we gotta make sure that we

1:00:50.560 --> 1:00:54.760
<v Speaker 1>get your take on our topic. Um. You know, obviously

1:00:55.120 --> 1:00:59.280
<v Speaker 1>everyone has been really upset about not just PMP rock,

1:00:59.360 --> 1:01:04.320
<v Speaker 1>which is hard, horrible, a horrible, horrible, horrible situation young man. Um.

1:01:04.400 --> 1:01:06.920
<v Speaker 1>And you know, for the last few days, between my

1:01:07.120 --> 1:01:10.680
<v Speaker 1>son and my own child and other men, even my dad,

1:01:10.840 --> 1:01:13.880
<v Speaker 1>who's a seventy five year old man, there's been such

1:01:14.000 --> 1:01:17.920
<v Speaker 1>a level of I don't know, just depression, feeling of defeat.

1:01:18.000 --> 1:01:20.240
<v Speaker 1>I can't really speak for you all, but I could

1:01:20.320 --> 1:01:24.040
<v Speaker 1>see it the pain, uh, that that is that rest

1:01:24.160 --> 1:01:27.800
<v Speaker 1>in this young man losing his life. UM. And you know,

1:01:27.880 --> 1:01:30.560
<v Speaker 1>my son says something to me the other day, he said, Mom,

1:01:30.560 --> 1:01:33.120
<v Speaker 1>when I opened social media, I get depressed, you know,

1:01:33.280 --> 1:01:36.720
<v Speaker 1>because it's just so much, so many people dying. Um.

1:01:37.000 --> 1:01:41.040
<v Speaker 1>And it is not just him. We've been taking hit

1:01:41.240 --> 1:01:45.520
<v Speaker 1>after hit after hit after hit with artists. You know.

1:01:46.360 --> 1:01:49.960
<v Speaker 1>I was mentioning to my son that the athletes, we

1:01:50.120 --> 1:01:54.000
<v Speaker 1>keep seeing people dying over there. Then in the community,

1:01:54.400 --> 1:01:57.360
<v Speaker 1>you've got everything from police violence to regular violence to

1:01:57.520 --> 1:02:00.200
<v Speaker 1>we're watching videos of women getting beat. It's us a

1:02:00.280 --> 1:02:04.680
<v Speaker 1>lot going on, right And I TMZ asked me, do

1:02:04.800 --> 1:02:08.360
<v Speaker 1>I think that rappers are in danger, And I said,

1:02:08.440 --> 1:02:11.400
<v Speaker 1>I think black people are in danger. I think black

1:02:11.520 --> 1:02:15.040
<v Speaker 1>men have always been an endangered species. And I talked

1:02:15.080 --> 1:02:18.280
<v Speaker 1>about our economic condition and if we don't figure out

1:02:18.720 --> 1:02:22.000
<v Speaker 1>how to make sure we get resources into the least

1:02:22.120 --> 1:02:26.240
<v Speaker 1>of these hands, we're going to continue to see what's

1:02:26.280 --> 1:02:30.160
<v Speaker 1>happening now, the PM B Rock situation and worse. It's

1:02:30.200 --> 1:02:33.160
<v Speaker 1>not to say that I don't understand jealousy and all.

1:02:33.600 --> 1:02:35.920
<v Speaker 1>We got all of that, but even all of that

1:02:36.240 --> 1:02:39.760
<v Speaker 1>comes from something. It's the root of another issue. Because

1:02:39.800 --> 1:02:42.240
<v Speaker 1>most of people we know they got a job, they're

1:02:42.240 --> 1:02:44.800
<v Speaker 1>making they they're making money, they're doing what they need

1:02:44.840 --> 1:02:46.640
<v Speaker 1>to do. They're able to take care of their families.

1:02:46.920 --> 1:02:50.840
<v Speaker 1>They're not just around shooting and killing people. So the question,

1:02:50.960 --> 1:02:53.800
<v Speaker 1>that's the topic we've been talking about today, and we

1:02:53.960 --> 1:02:56.320
<v Speaker 1>just want to get your take, like how do you

1:02:56.480 --> 1:02:59.120
<v Speaker 1>see your role and and do you feel like what

1:02:59.360 --> 1:03:02.160
<v Speaker 1>you do at be gay. If more of us get

1:03:02.240 --> 1:03:04.640
<v Speaker 1>on board with it, it will help us to address

1:03:04.760 --> 1:03:07.080
<v Speaker 1>some of the violence and other issues that we see

1:03:07.080 --> 1:03:10.200
<v Speaker 1>in our community. Yeah, I mean, first man, rest in

1:03:10.240 --> 1:03:12.800
<v Speaker 1>peace to paymb Rock. I mean, that's just a terrible incident.

1:03:12.840 --> 1:03:15.520
<v Speaker 1>You're gonna get waffles with your girl, and you know

1:03:15.640 --> 1:03:18.200
<v Speaker 1>you lose your life's um it's pretty sad man, and

1:03:18.320 --> 1:03:20.680
<v Speaker 1>it's um to have and have nots. You know that

1:03:20.960 --> 1:03:25.400
<v Speaker 1>that spread is widening right now, especially in the black community.

1:03:25.800 --> 1:03:28.640
<v Speaker 1>And I think what we do is extremely important because

1:03:29.120 --> 1:03:32.120
<v Speaker 1>you know, no one was talking about stocks, real estate,

1:03:32.760 --> 1:03:37.520
<v Speaker 1>you know, these things, financial literacy, business ownership, credit. You know,

1:03:37.640 --> 1:03:39.600
<v Speaker 1>twenty years ago when I first came in this business,

1:03:39.720 --> 1:03:42.440
<v Speaker 1>especially in our community, these wasn't topics of conversations in

1:03:42.520 --> 1:03:45.560
<v Speaker 1>the hood, you know. And in my hood, we were

1:03:45.600 --> 1:03:48.200
<v Speaker 1>talking about going out. You know, we were talking about

1:03:48.280 --> 1:03:51.480
<v Speaker 1>buying throwback jerseys. You see what I'm saying. Um, So

1:03:51.640 --> 1:03:55.520
<v Speaker 1>I think us what we do is extremely important because

1:03:55.560 --> 1:03:58.000
<v Speaker 1>now it shows people there's another way to make money.

1:03:58.040 --> 1:04:00.200
<v Speaker 1>You don't have to go rob somebody if you have

1:04:00.440 --> 1:04:03.800
<v Speaker 1>that entrepreneur spirit. Because let's face it, most of these

1:04:03.840 --> 1:04:07.440
<v Speaker 1>people who are doing these crimes, they have an entrepreneur spirit.

1:04:07.480 --> 1:04:10.600
<v Speaker 1>They're just using that to something different, the wrong way.

1:04:11.120 --> 1:04:13.640
<v Speaker 1>And if you now show them the way of Hay

1:04:13.920 --> 1:04:16.760
<v Speaker 1>instead of you going out here robbing somebody, you can

1:04:16.960 --> 1:04:19.000
<v Speaker 1>take two hundred dollars and put it into the stock

1:04:19.120 --> 1:04:22.440
<v Speaker 1>market and learn how to trade and make money. Yes,

1:04:22.560 --> 1:04:24.840
<v Speaker 1>it's not going to be quick and fast like you're

1:04:24.880 --> 1:04:28.040
<v Speaker 1>doing some crimes, but it's something that's legal and it

1:04:28.160 --> 1:04:32.080
<v Speaker 1>can grow and sustaining stuff over time. So we do

1:04:32.240 --> 1:04:35.080
<v Speaker 1>our best to try to talk to the youth. Um,

1:04:35.360 --> 1:04:38.200
<v Speaker 1>we we give them, you know, a lot of free information.

1:04:38.360 --> 1:04:40.840
<v Speaker 1>We let them into our private communities because we don't

1:04:40.880 --> 1:04:43.400
<v Speaker 1>want to see our young brothers and sisters continue to

1:04:43.440 --> 1:04:46.080
<v Speaker 1>go down this route. We want them to excel because

1:04:46.440 --> 1:04:50.720
<v Speaker 1>it's there our future, right and if if they're killing everybody, um,

1:04:51.120 --> 1:04:53.920
<v Speaker 1>we're not going to have a future as black people, right.

1:04:54.040 --> 1:04:56.400
<v Speaker 1>So what we do is very important, especially when it

1:04:56.440 --> 1:04:58.360
<v Speaker 1>comes to home ownership. And this is why I put

1:04:58.400 --> 1:05:01.000
<v Speaker 1>out so much content just to and try to encourage,

1:05:01.400 --> 1:05:04.680
<v Speaker 1>you know, the teenagers. You know, I have two teenagers myself,

1:05:04.760 --> 1:05:07.240
<v Speaker 1>and all I do is speak power into and they

1:05:07.320 --> 1:05:10.320
<v Speaker 1>loved you by the way to make it, you know,

1:05:10.560 --> 1:05:14.840
<v Speaker 1>so like your daughters too cool. She she was like high,

1:05:15.080 --> 1:05:17.760
<v Speaker 1>but your son was like what's good? Yeah yeah, yeah,

1:05:17.760 --> 1:05:19.400
<v Speaker 1>he was on it. But that's why I had them

1:05:19.440 --> 1:05:21.800
<v Speaker 1>at invest Fest. I'm having them in the room, and

1:05:21.840 --> 1:05:25.520
<v Speaker 1>that's portant important to right proximity, there's powering proximity and

1:05:25.640 --> 1:05:28.360
<v Speaker 1>this is why I had my children at invest FST

1:05:28.440 --> 1:05:32.280
<v Speaker 1>meeting people like yourself in the room, seeing black people

1:05:32.320 --> 1:05:35.280
<v Speaker 1>that look like them, that are not athletes for the

1:05:35.360 --> 1:05:38.320
<v Speaker 1>most part, and and things of that nature. They're out

1:05:38.360 --> 1:05:44.000
<v Speaker 1>here business owners. They're running businesses legitimately and doing right

1:05:44.080 --> 1:05:47.160
<v Speaker 1>by the community, and now I want them they're inspired

1:05:47.200 --> 1:05:50.040
<v Speaker 1>to be entrepreneurs. So I would say, anybody out there

1:05:50.040 --> 1:05:52.080
<v Speaker 1>who's watching this, if you know any young people you're

1:05:52.080 --> 1:05:54.840
<v Speaker 1>doing anything good, bring them on as a free intern.

1:05:55.360 --> 1:05:58.000
<v Speaker 1>You never know, that could probably change somebody's whole path

1:05:58.120 --> 1:06:00.440
<v Speaker 1>in direction, I mean, your life. And we all have

1:06:00.560 --> 1:06:02.960
<v Speaker 1>a responsibility to our youth to kind of try to

1:06:03.000 --> 1:06:04.600
<v Speaker 1>bring them up. And that's why I love my son

1:06:04.720 --> 1:06:07.680
<v Speaker 1>do it. He always calling calling them out right. Um,

1:06:07.840 --> 1:06:10.520
<v Speaker 1>it's important because we need someone to speak up because

1:06:10.560 --> 1:06:12.840
<v Speaker 1>we're all thinking the same thing. My son is just

1:06:12.880 --> 1:06:15.160
<v Speaker 1>the one who's not scared to say it and say

1:06:15.200 --> 1:06:20.080
<v Speaker 1>it with a very loud voice. So you know, I appreciate. No,

1:06:20.280 --> 1:06:23.120
<v Speaker 1>it's it's needed. Man, he'd be outside talking talking, but

1:06:23.240 --> 1:06:26.440
<v Speaker 1>he's talking to talk that needs because we're all thinking it, right.

1:06:26.520 --> 1:06:28.280
<v Speaker 1>But ware, it's not all the time saying it or

1:06:28.280 --> 1:06:29.800
<v Speaker 1>saying in the way that my son is saying is

1:06:29.920 --> 1:06:32.360
<v Speaker 1>so I think what we're all doing is very important

1:06:32.400 --> 1:06:36.160
<v Speaker 1>to try to change that trajectory. Unfortunately, these things will

1:06:36.200 --> 1:06:39.080
<v Speaker 1>continue to happen. I think until we get gun laws

1:06:39.640 --> 1:06:43.760
<v Speaker 1>um kind of you know, situated in this country, these

1:06:43.800 --> 1:06:47.840
<v Speaker 1>things will is Unfortunately, it's going to continue to happen. Well,

1:06:47.920 --> 1:06:49.360
<v Speaker 1>first of all, I just want to say thank you

1:06:49.480 --> 1:06:51.880
<v Speaker 1>for what it is that you do. Man Um is

1:06:52.040 --> 1:06:56.960
<v Speaker 1>very much needed. It is um something that is evolving

1:06:57.000 --> 1:07:00.680
<v Speaker 1>the culture. And I love watching you guys can tenuously

1:07:01.520 --> 1:07:04.280
<v Speaker 1>push you know, y'all push the envelope, you know, like

1:07:04.600 --> 1:07:06.920
<v Speaker 1>I have my role, like you said, you know, I

1:07:07.360 --> 1:07:09.800
<v Speaker 1>know I've been in the streets and I've contributed to

1:07:09.880 --> 1:07:13.000
<v Speaker 1>a lot of negativity in our communities. Right, And as

1:07:13.040 --> 1:07:15.880
<v Speaker 1>you grow as a man, you evolved, then you realize

1:07:15.920 --> 1:07:17.840
<v Speaker 1>and then you have to take ownership of that. Right.

1:07:18.200 --> 1:07:21.560
<v Speaker 1>So when you see that same negativity being imposed in

1:07:21.600 --> 1:07:23.280
<v Speaker 1>the community, you have to call it out. You have

1:07:23.440 --> 1:07:26.640
<v Speaker 1>to be one of those people who speak from authority,

1:07:26.680 --> 1:07:29.680
<v Speaker 1>who speak who is a credible messenger, who's been in

1:07:29.840 --> 1:07:34.200
<v Speaker 1>those rooms, who has levels of notoriety in the streets,

1:07:34.320 --> 1:07:36.040
<v Speaker 1>and you have to speak up against things that we

1:07:36.120 --> 1:07:38.520
<v Speaker 1>know it's not right. So, you know, watching our our

1:07:38.680 --> 1:07:41.680
<v Speaker 1>youth get killed every day, it bothers me watching our

1:07:41.800 --> 1:07:44.000
<v Speaker 1>youth kill each other, you know, because actually you're just

1:07:44.120 --> 1:07:46.720
<v Speaker 1>killing yourself. You know. We we got we at war

1:07:47.080 --> 1:07:50.120
<v Speaker 1>and so many different fronts, and when we're taking the

1:07:50.240 --> 1:07:53.160
<v Speaker 1>time to kill our own soldiers, then we definitely can't

1:07:53.160 --> 1:07:56.440
<v Speaker 1>win the war. So you know, just keep on empowering us,

1:07:56.560 --> 1:07:59.760
<v Speaker 1>keep educating us, keep giving us that knowledge that we need.

1:08:00.280 --> 1:08:03.240
<v Speaker 1>You know, hopefully will make a billion dollars like you.

1:08:03.720 --> 1:08:06.080
<v Speaker 1>You know what I'm saying. You know, that's the goal,

1:08:06.400 --> 1:08:10.400
<v Speaker 1>and we'll be financially stable, in generational wealth. Man, So

1:08:10.560 --> 1:08:12.440
<v Speaker 1>just keep doing what you're doing. We appreciate you. We

1:08:12.600 --> 1:08:14.920
<v Speaker 1>we want to be I got more, way more questions,

1:08:15.120 --> 1:08:16.960
<v Speaker 1>but we'll do this another day. Man, We got to

1:08:17.400 --> 1:08:19.720
<v Speaker 1>have a lot more sit downs with you. Man, Keep

1:08:19.800 --> 1:08:22.639
<v Speaker 1>doing what you're doing. We appreciate you. Thanks for gracing

1:08:22.760 --> 1:08:25.280
<v Speaker 1>us with your presence. Yes, yes, thanks for joining us

1:08:25.320 --> 1:08:28.320
<v Speaker 1>three politicians. Brother for having me. Y'all, keep up the

1:08:28.360 --> 1:08:30.559
<v Speaker 1>good work and whatever I can do to help um

1:08:30.640 --> 1:08:33.040
<v Speaker 1>any one of y'all. I'm here for y'all. Thank y'all,

1:08:33.360 --> 1:08:36.719
<v Speaker 1>Thank you. Man. I just need a loan. But whatever

1:08:36.760 --> 1:08:38.680
<v Speaker 1>you whatever you need, man, we got it. We got

1:08:38.760 --> 1:08:40.880
<v Speaker 1>we got money to land. Baby. There you go what

1:08:40.920 --> 1:08:44.719
<v Speaker 1>I'm talking about, MG mortgage gotta telling where to follow

1:08:44.760 --> 1:08:46.200
<v Speaker 1>you tell me where they can find you. All right,

1:08:46.240 --> 1:08:48.160
<v Speaker 1>so y'all can tap in with me, m MG the

1:08:48.240 --> 1:08:55.160
<v Speaker 1>Mortgage Guy. All platforms, Twitter, YouTube, Um, Instagram, techtok Um.

1:08:55.320 --> 1:08:57.759
<v Speaker 1>Ranton James is my real estate podcast, which is actually

1:08:57.760 --> 1:08:59.840
<v Speaker 1>the number one real estate podcast and a black and

1:09:00.000 --> 1:09:03.439
<v Speaker 1>our community shout out to me, Keana Watson. Um. You

1:09:03.520 --> 1:09:06.760
<v Speaker 1>can watch us every Wednesday eight pm easn Standard time

1:09:06.840 --> 1:09:10.679
<v Speaker 1>on Angelicia's YouTube channel and on all podcasts audio outlets.

1:09:10.920 --> 1:09:13.080
<v Speaker 1>So it's free game. So come get all the free

1:09:13.120 --> 1:09:15.720
<v Speaker 1>game that we're giving out and and learn about real

1:09:15.840 --> 1:09:19.120
<v Speaker 1>estate and hopefully we'll see you guys at the closing table. Yes,

1:09:19.200 --> 1:09:26.960
<v Speaker 1>you will appreciate you. Hi, guys, thank you another do

1:09:28.360 --> 1:09:33.479
<v Speaker 1>MG Morris guy. You know he always stops it. He

1:09:33.479 --> 1:09:36.120
<v Speaker 1>always has doke energy every time I see it. He

1:09:36.200 --> 1:09:41.880
<v Speaker 1>always gives his warm energy. Is always he's been at something.

1:09:43.160 --> 1:09:51.360
<v Speaker 1>It's very um. You like you say that X. It's

1:09:51.439 --> 1:10:01.280
<v Speaker 1>asked x as as X I say that, you let

1:10:01.320 --> 1:10:07.680
<v Speaker 1>me ask you, we ask yourself and actually like, Um,

1:10:09.439 --> 1:10:13.000
<v Speaker 1>you know what I like about MG. He flows with

1:10:13.160 --> 1:10:17.639
<v Speaker 1>when he talk, Like We've talked to people and I've

1:10:17.680 --> 1:10:22.080
<v Speaker 1>had conversations with bolts, and it's like, I'm not sure

1:10:22.160 --> 1:10:25.040
<v Speaker 1>that they're sure now some people because even me, when

1:10:25.080 --> 1:10:28.720
<v Speaker 1>I'm speaking in certain foreigns, I have you know, like

1:10:28.880 --> 1:10:31.200
<v Speaker 1>I especially if I get nervous or I feel like,

1:10:31.760 --> 1:10:34.000
<v Speaker 1>you know, I might you know, I feel like somebody

1:10:34.040 --> 1:10:35.680
<v Speaker 1>else might know more to me, and I'm trying to

1:10:35.840 --> 1:10:38.080
<v Speaker 1>like listen and learn from them. And then somebody's like, oh,

1:10:38.160 --> 1:10:40.280
<v Speaker 1>who you think to me? I'm like, I'm talk they

1:10:40.400 --> 1:10:43.120
<v Speaker 1>know right, Like, so that happens when you get tongue

1:10:43.120 --> 1:10:46.479
<v Speaker 1>twisted and whatnot. But I noticed. But but I like

1:10:46.640 --> 1:10:51.559
<v Speaker 1>the fact that he's so confidently clear about every single

1:10:51.640 --> 1:10:59.560
<v Speaker 1>points after nineteen years and you know, really investing in

1:10:59.680 --> 1:11:02.320
<v Speaker 1>his know learning. He said he had to go through

1:11:02.320 --> 1:11:05.320
<v Speaker 1>a lot, he lost everything for him to really sit

1:11:05.479 --> 1:11:08.679
<v Speaker 1>and learn the business. That seems to be the story

1:11:08.960 --> 1:11:13.960
<v Speaker 1>of so many successful people. And of course we focus

1:11:14.080 --> 1:11:17.360
<v Speaker 1>on our people that at one point or another we

1:11:17.560 --> 1:11:23.080
<v Speaker 1>lost everything. Um, we both have our own stories, individual stories.

1:11:23.520 --> 1:11:26.360
<v Speaker 1>Mine is clearly not as dramatic as yours. Well you know,

1:11:26.520 --> 1:11:28.880
<v Speaker 1>it's not as dramatic in that I didn't spend time

1:11:28.920 --> 1:11:31.519
<v Speaker 1>in prison, but you can become a prisoner within your

1:11:31.560 --> 1:11:34.200
<v Speaker 1>own right, like in your home to yourself. I was

1:11:34.280 --> 1:11:39.560
<v Speaker 1>certainly a prisoner to um uh prescription drugs. So you know,

1:11:40.160 --> 1:11:42.120
<v Speaker 1>all of us, it's like you go through these really

1:11:42.200 --> 1:11:45.479
<v Speaker 1>typed almost like God has to humble and focus you

1:11:46.240 --> 1:11:49.439
<v Speaker 1>on whatever, because sometimes I think we get caught up

1:11:49.560 --> 1:11:52.840
<v Speaker 1>in what we think we're supposed to be doing, and

1:11:52.920 --> 1:11:55.160
<v Speaker 1>we're we're supposed to be at the plan, that is

1:11:55.280 --> 1:11:58.680
<v Speaker 1>our plan, and we lose sight of the fact that

1:11:58.760 --> 1:12:01.560
<v Speaker 1>there was a plan already set forward for us, and

1:12:01.680 --> 1:12:03.840
<v Speaker 1>that's the plan we need to focus on. They said

1:12:03.920 --> 1:12:06.880
<v Speaker 1>all the time, you wouldn't regardla you're telling me plans,

1:12:07.400 --> 1:12:09.880
<v Speaker 1>you know. You know the things that I believe or

1:12:10.000 --> 1:12:13.640
<v Speaker 1>heartedly that every great thing woman or that I know

1:12:14.560 --> 1:12:18.400
<v Speaker 1>has experienced some levels, you know, where they had to

1:12:18.479 --> 1:12:21.160
<v Speaker 1>be by itself is separated from area, and he had

1:12:21.200 --> 1:12:24.720
<v Speaker 1>to look within himselves to dig deep and get more

1:12:24.760 --> 1:12:28.080
<v Speaker 1>of an understanding of them, you know. So you know

1:12:28.960 --> 1:12:32.320
<v Speaker 1>his situation is different than my situation. You know, something

1:12:32.439 --> 1:12:35.840
<v Speaker 1>you lose everything, you know, I unfortunately had to be

1:12:35.960 --> 1:12:39.880
<v Speaker 1>behind bars mself to everything he was out here and

1:12:39.960 --> 1:12:42.920
<v Speaker 1>most everything. So it is that mind state that you

1:12:43.080 --> 1:12:46.080
<v Speaker 1>realized that damn everything I had has just been taken away.

1:12:46.320 --> 1:12:48.120
<v Speaker 1>And then you got to say it, So what what

1:12:48.200 --> 1:12:50.760
<v Speaker 1>am I willing to do? Am I just gonna say?

1:12:50.920 --> 1:12:53.160
<v Speaker 1>That's what it is. I want to understand, you know,

1:12:54.240 --> 1:12:56.560
<v Speaker 1>that's it. And he said you a person is not

1:12:57.640 --> 1:13:06.519
<v Speaker 1>defined by where they are time to comfortable of controverts. Yeah, pain,

1:13:07.080 --> 1:13:11.880
<v Speaker 1>pain is going to really define who was sout I

1:13:12.000 --> 1:13:14.560
<v Speaker 1>like him. I like him, you know, you know, you

1:13:14.640 --> 1:13:16.719
<v Speaker 1>know when I say I like somebody, I'm like, Okay,

1:13:16.800 --> 1:13:21.439
<v Speaker 1>Now we can figure out how to integrate his voice

1:13:21.560 --> 1:13:23.920
<v Speaker 1>more into what we do. Like I could see us

1:13:24.640 --> 1:13:29.559
<v Speaker 1>touring and having him to be a speaker regularly because

1:13:29.600 --> 1:13:33.040
<v Speaker 1>I think he resonates and you know, and you know,

1:13:33.080 --> 1:13:36.679
<v Speaker 1>obviously we love we all our guys. Everybody's very very busy,

1:13:37.320 --> 1:13:40.280
<v Speaker 1>um and I'm sure he's busy too. But twenty years later,

1:13:41.160 --> 1:13:45.200
<v Speaker 1>there's got to be something about being community driven. I

1:13:45.280 --> 1:13:47.360
<v Speaker 1>can tell, we can listen to you know, it coming

1:13:47.479 --> 1:13:49.559
<v Speaker 1>from him that he's saying he wants to do more.

1:13:49.680 --> 1:13:52.920
<v Speaker 1>So anyway, I think, you know, I think I think

1:13:54.080 --> 1:13:56.320
<v Speaker 1>we talked about him being a mortgage guy. But then

1:13:56.320 --> 1:14:00.559
<v Speaker 1>he starts on insurance because it all get all times together,

1:14:00.640 --> 1:14:03.360
<v Speaker 1>the insurance trust. You got to know those things. If

1:14:03.360 --> 1:14:05.600
<v Speaker 1>you sell a mortgage and you sell the houses and

1:14:05.680 --> 1:14:08.200
<v Speaker 1>all that, then you don't have to be it things.

1:14:08.479 --> 1:14:12.960
<v Speaker 1>Why do people Why don't people not understanding Listen? You can't,

1:14:13.000 --> 1:14:15.879
<v Speaker 1>but you have to do. You have to do your research.

1:14:16.439 --> 1:14:21.519
<v Speaker 1>You have to understand historical value and historical understanding of

1:14:21.720 --> 1:14:24.040
<v Speaker 1>everything that you do. It just like even in music,

1:14:24.120 --> 1:14:26.240
<v Speaker 1>I tell people all the time, you don't just pick

1:14:26.320 --> 1:14:29.559
<v Speaker 1>up rap, you like you're studying there. People have been

1:14:29.600 --> 1:14:31.760
<v Speaker 1>doing this before. You've got to listen. You listen to

1:14:31.960 --> 1:14:35.400
<v Speaker 1>different jazz, listen to blues, you listen to country, you

1:14:35.560 --> 1:14:38.760
<v Speaker 1>listen to soul, and then you take those pieces and

1:14:38.800 --> 1:14:42.559
<v Speaker 1>then you create your own with the pieces that's already

1:14:42.640 --> 1:14:45.200
<v Speaker 1>been you know. So that's what he's He seems like

1:14:45.320 --> 1:14:49.040
<v Speaker 1>a real student of the game. Shot out to him.

1:14:49.479 --> 1:14:57.559
<v Speaker 1>Now that brings me to my idol And it's pretty

1:14:57.640 --> 1:15:02.080
<v Speaker 1>much on course with our talk of the day. You know,

1:15:02.439 --> 1:15:07.679
<v Speaker 1>once again, r I P to PNB rights really could

1:15:08.080 --> 1:15:12.560
<v Speaker 1>really cool dude, And I was sister Jamila had introduced

1:15:12.680 --> 1:15:15.320
<v Speaker 1>us and had us in schools and Jersey, and he

1:15:15.479 --> 1:15:17.720
<v Speaker 1>was real hungble dude told me how he loved my

1:15:17.960 --> 1:15:20.439
<v Speaker 1>work and you know, we said it was my words together.

1:15:20.479 --> 1:15:24.600
<v Speaker 1>He was real, real down her, real cool dude. So

1:15:24.880 --> 1:15:27.439
<v Speaker 1>you know that that's just a tragedy that closis life

1:15:27.479 --> 1:15:32.479
<v Speaker 1>that way. But what I don't get, you know, and

1:15:32.560 --> 1:15:39.439
<v Speaker 1>I was good all you dudes yesterday. Um, somehow people

1:15:39.600 --> 1:15:44.120
<v Speaker 1>have taken the position that they want to blame this

1:15:44.400 --> 1:15:51.519
<v Speaker 1>man's child's mother, girlfriend or whatever they classified them so

1:15:51.600 --> 1:15:54.879
<v Speaker 1>because I don't really know the classification, but they blamed

1:15:54.960 --> 1:16:01.439
<v Speaker 1>her for what happened based on a uh ig post

1:16:01.600 --> 1:16:04.120
<v Speaker 1>that she put up. So she's the one that took

1:16:04.160 --> 1:16:06.479
<v Speaker 1>the picture of the waffles. She took the picture of

1:16:06.520 --> 1:16:10.040
<v Speaker 1>the waffle, and I guess it showed his vocation. And

1:16:10.200 --> 1:16:14.479
<v Speaker 1>people are saying based on that's how the wroblem pretty

1:16:14.560 --> 1:16:16.800
<v Speaker 1>much knew his the way he was or whatever. And

1:16:16.920 --> 1:16:19.880
<v Speaker 1>nobody knows that, right uns them saying, And even if

1:16:19.920 --> 1:16:22.519
<v Speaker 1>they did, I know that this wasn't something that she

1:16:22.720 --> 1:16:27.040
<v Speaker 1>purposely did. And there are people who have conspiracy that said, oh,

1:16:27.200 --> 1:16:29.200
<v Speaker 1>she's want the insurance money it goes to, and it's

1:16:29.280 --> 1:16:33.519
<v Speaker 1>like it's so sad. It's so I could understand the

1:16:33.600 --> 1:16:36.439
<v Speaker 1>trauma that this woman has to be done with to

1:16:36.600 --> 1:16:39.720
<v Speaker 1>be at first, to lose someone you love in front

1:16:39.760 --> 1:16:42.400
<v Speaker 1>of your face, right to watch some why do you

1:16:42.479 --> 1:16:45.040
<v Speaker 1>love shotdown in front of your face, the father of

1:16:45.160 --> 1:16:48.040
<v Speaker 1>your child shot down in front of your face. And

1:16:48.160 --> 1:16:52.320
<v Speaker 1>then to go to this stupid ass social media and

1:16:52.439 --> 1:16:55.760
<v Speaker 1>hear people blame you, like people who don't know you

1:16:55.880 --> 1:16:59.760
<v Speaker 1>don't have any don't just literally on your blaming and

1:17:00.080 --> 1:17:02.640
<v Speaker 1>this It's disgusting to me. I don't get it. I

1:17:02.680 --> 1:17:06.000
<v Speaker 1>don't understand the mind state of people. For me, it's

1:17:06.080 --> 1:17:09.800
<v Speaker 1>like the lady is dealing with enough Trump, Like, she's

1:17:09.800 --> 1:17:12.800
<v Speaker 1>dealing with so much trouble that it doesn't even make

1:17:12.880 --> 1:17:16.679
<v Speaker 1>sense to me that people put her through any more

1:17:17.200 --> 1:17:20.320
<v Speaker 1>trouble to have to be blamed and have like she

1:17:20.520 --> 1:17:28.240
<v Speaker 1>did something intentionally that caused well, you know, it's funny ironically,

1:17:28.320 --> 1:17:33.680
<v Speaker 1>he and Jay, who is the wife of young dolf Um,

1:17:34.080 --> 1:17:38.840
<v Speaker 1>mother of his children. She first of all went awful

1:17:38.880 --> 1:17:40.800
<v Speaker 1>and and by the way, me as my friend. So

1:17:41.000 --> 1:17:43.560
<v Speaker 1>it's it's funny because she's so does she speaks to

1:17:43.640 --> 1:17:46.679
<v Speaker 1>talks and everything, but she's really pretty reserved and quiet

1:17:46.720 --> 1:17:49.759
<v Speaker 1>and out the way. But she went off and called

1:17:49.840 --> 1:17:54.560
<v Speaker 1>people all kinds of names. Behind that situation. She was

1:17:54.640 --> 1:17:57.799
<v Speaker 1>saying that the people on the trolls on the internet

1:17:57.880 --> 1:18:01.600
<v Speaker 1>are just as bad as the shooters. You're disgusting. You

1:18:01.720 --> 1:18:04.639
<v Speaker 1>want to stress a person out who's already going through

1:18:04.680 --> 1:18:06.760
<v Speaker 1>a lot, like you know. She she was saying a

1:18:06.840 --> 1:18:08.759
<v Speaker 1>lot of a whole bunch of things. So I text

1:18:08.840 --> 1:18:11.360
<v Speaker 1>her and I said, will tell us how you really feel, Mia,

1:18:11.920 --> 1:18:15.040
<v Speaker 1>And I'm going to text thread with me and Jay

1:18:16.280 --> 1:18:19.880
<v Speaker 1>uh Angela Simmons and the Cold Bell and the Cold

1:18:19.960 --> 1:18:23.560
<v Speaker 1>Bell's wife of Sean Bell, Angela Simmons. We know the

1:18:23.680 --> 1:18:28.280
<v Speaker 1>Simmons family, but Angela's son's father was murdered. And then

1:18:28.360 --> 1:18:30.040
<v Speaker 1>of course me and Jay and and the four of

1:18:30.160 --> 1:18:33.439
<v Speaker 1>us have been talking about how to um, you know,

1:18:33.600 --> 1:18:36.360
<v Speaker 1>just support one another and others, you know, just a

1:18:36.520 --> 1:18:40.400
<v Speaker 1>very informal text thread that we love and we pour into.

1:18:41.200 --> 1:18:43.320
<v Speaker 1>And as I was saying, well, Mia, and I was

1:18:43.520 --> 1:18:45.799
<v Speaker 1>it was funny to me that she was like kicking

1:18:45.920 --> 1:18:48.240
<v Speaker 1>ass because she's you know, this is not really how

1:18:48.360 --> 1:18:55.559
<v Speaker 1>she does publicly. And Nicole Bell said, Mia, are you okay?

1:18:57.840 --> 1:19:00.720
<v Speaker 1>And it stopped me in my tracks because I bought it,

1:19:00.960 --> 1:19:03.919
<v Speaker 1>you know, to be too for us to say these clowns,

1:19:04.520 --> 1:19:08.440
<v Speaker 1>you know, and talk ship and Nicole stopped the conversation

1:19:08.560 --> 1:19:12.240
<v Speaker 1>and said, Mia, are you okay? Because in that moment,

1:19:12.520 --> 1:19:15.679
<v Speaker 1>the Coole knew that for her to go to such

1:19:15.720 --> 1:19:19.920
<v Speaker 1>an extent, to speak publicly in that way, using profanity

1:19:20.000 --> 1:19:23.960
<v Speaker 1>and everything, something triggered her, right, and she sent the

1:19:24.160 --> 1:19:28.040
<v Speaker 1>screenshots of people saying that she's set up young dogs.

1:19:30.040 --> 1:19:32.840
<v Speaker 1>You see what I'm saying. So it's just a sick

1:19:33.400 --> 1:19:37.320
<v Speaker 1>It's really a sickness. The Internet is sick, and it's

1:19:37.360 --> 1:19:39.320
<v Speaker 1>sad because I want to say it's trolls and it's

1:19:39.360 --> 1:19:41.960
<v Speaker 1>people that's not even real, and then but then it

1:19:42.120 --> 1:19:46.559
<v Speaker 1>be it'd be your own people, it's it's family members.

1:19:48.400 --> 1:19:51.840
<v Speaker 1>They really do exist, and they had like, yo, for real,

1:19:52.080 --> 1:19:54.080
<v Speaker 1>this is my thing. And I saw what Cardi says.

1:19:54.160 --> 1:19:56.360
<v Speaker 1>She's like, first of all, I doubt anybody was watching

1:19:56.400 --> 1:19:59.519
<v Speaker 1>on Instagram. But let's keep it about. Let's just say

1:19:59.600 --> 1:20:03.040
<v Speaker 1>they were. Let's say they were all. What happens when

1:20:03.080 --> 1:20:04.720
<v Speaker 1>you go live when you're in the club. Are you

1:20:04.840 --> 1:20:07.559
<v Speaker 1>trying to set up your friends and family members? When

1:20:07.560 --> 1:20:09.519
<v Speaker 1>you were in the club and you live when you

1:20:09.680 --> 1:20:13.200
<v Speaker 1>posted that you went to this restaurant and that restaurant,

1:20:13.240 --> 1:20:15.720
<v Speaker 1>and do this place in that place. People do that

1:20:15.840 --> 1:20:18.640
<v Speaker 1>every day. This is not a new phenomenon, Like what

1:20:18.760 --> 1:20:23.000
<v Speaker 1>are you talking about? And these are young people, by

1:20:23.040 --> 1:20:28.320
<v Speaker 1>the way, so that's what they do. They take pictures,

1:20:28.320 --> 1:20:30.280
<v Speaker 1>and they fool that. You said you should post it

1:20:30.360 --> 1:20:34.479
<v Speaker 1>once you leave. But even I get caught sometimes I forget.

1:20:34.680 --> 1:20:36.800
<v Speaker 1>I was at Brooklyn chop House the other night and

1:20:36.880 --> 1:20:39.479
<v Speaker 1>I'm just waiting again. I was waiting for me and Jack.

1:20:39.640 --> 1:20:42.320
<v Speaker 1>I was waiting for her and my family member Jessica,

1:20:42.720 --> 1:20:44.920
<v Speaker 1>and I'm just sitting there and since I'm waiting, I'm

1:20:44.960 --> 1:20:47.560
<v Speaker 1>just taking pictures, looking at the lighting, doing whatever I

1:20:47.680 --> 1:20:51.280
<v Speaker 1>want to do, giving myself, you know, we're called entertaining myself.

1:20:51.760 --> 1:20:53.800
<v Speaker 1>And before I know it, I posted the picture and

1:20:53.920 --> 1:20:57.400
<v Speaker 1>tag where I was and didn't even think about, oh ship,

1:20:57.600 --> 1:21:00.040
<v Speaker 1>I really need to leave, and I generally do it.

1:21:00.240 --> 1:21:03.439
<v Speaker 1>Sometimes it just happens. In fact, I'm gonna tell you,

1:21:03.600 --> 1:21:05.360
<v Speaker 1>my son, you could flip it on the head. It

1:21:05.520 --> 1:21:09.240
<v Speaker 1>was to me, it's super This was actually probably a

1:21:09.600 --> 1:21:13.639
<v Speaker 1>very uh innocent moment that they were just eating waffles

1:21:13.680 --> 1:21:15.760
<v Speaker 1>and chicken, and she like, look at us, we just

1:21:15.920 --> 1:21:18.840
<v Speaker 1>eating washers and chicken, probably not even thinking about the

1:21:18.920 --> 1:21:21.680
<v Speaker 1>implication of the jury and the haters and this and

1:21:21.800 --> 1:21:25.840
<v Speaker 1>all of the all this other stuff. Just waffles and chicken,

1:21:26.080 --> 1:21:29.840
<v Speaker 1>just a moment, you know. So I'm just trying to

1:21:29.840 --> 1:21:32.559
<v Speaker 1>figure out what's so different about that moment than when

1:21:33.360 --> 1:21:36.080
<v Speaker 1>stay in the club with the bottles and everything and

1:21:36.160 --> 1:21:38.400
<v Speaker 1>they live. I just think, I just think we just

1:21:38.479 --> 1:21:41.000
<v Speaker 1>got to do better. I just think I think people

1:21:41.080 --> 1:21:44.759
<v Speaker 1>have to take time. You know. Social media has given

1:21:44.920 --> 1:21:48.479
<v Speaker 1>voices to people who actually don't serve voices, right, they

1:21:48.560 --> 1:21:53.160
<v Speaker 1>give they make people's opinion better than don't matter, and

1:21:53.240 --> 1:21:55.599
<v Speaker 1>then it puts things in other people's minds and now

1:21:56.240 --> 1:22:00.920
<v Speaker 1>turns into a topic. Turns it's sad the fact that

1:22:01.160 --> 1:22:05.400
<v Speaker 1>you know that black said she should kill uself. I'm like, really, wow,

1:22:05.520 --> 1:22:09.479
<v Speaker 1>I don't even yeah, like really, I'm gonna look and

1:22:09.600 --> 1:22:13.320
<v Speaker 1>find it. It's just really sometimes, like you know, sometimes

1:22:13.400 --> 1:22:16.600
<v Speaker 1>we just gotta we just gotta people gotta tell you

1:22:16.760 --> 1:22:19.839
<v Speaker 1>just gotta shut up if he says something you describe.

1:22:19.880 --> 1:22:23.000
<v Speaker 1>I mean, I think I saw on one of these

1:22:23.080 --> 1:22:25.040
<v Speaker 1>blat phones. I don't get ready finely for you, because

1:22:25.040 --> 1:22:28.920
<v Speaker 1>I really want the problem is that we celebrate ignorance

1:22:29.040 --> 1:22:32.920
<v Speaker 1>like that right, we push that, that's clickbait. That's gonna

1:22:32.920 --> 1:22:35.040
<v Speaker 1>be on every site. People don't want to hear about it.

1:22:35.760 --> 1:22:38.320
<v Speaker 1>And I saw people liking in that thing, and I'm like, wow,

1:22:38.520 --> 1:22:41.400
<v Speaker 1>like I don't know, maybe I don't know. It's sad.

1:22:41.760 --> 1:22:44.640
<v Speaker 1>It goes back to what we say black women need

1:22:44.720 --> 1:22:50.200
<v Speaker 1>to disrespected. The text man women lost human in front

1:22:50.200 --> 1:22:54.000
<v Speaker 1>of her eyes, in front of uh, she's been playing

1:22:54.040 --> 1:22:56.040
<v Speaker 1>the people say you need to kill us. You know,

1:22:56.120 --> 1:22:59.080
<v Speaker 1>we I just think that better. We have to do better.

1:22:59.680 --> 1:23:02.519
<v Speaker 1>You know, we have to have grace, we have to

1:23:02.640 --> 1:23:05.639
<v Speaker 1>have empathy. We gotta you gotta deal with each other

1:23:06.439 --> 1:23:09.200
<v Speaker 1>with a different level of love, you know. So once again,

1:23:10.040 --> 1:23:16.160
<v Speaker 1>my my condolescence goes out to her, her daughter, his family. Yeah,

1:23:16.200 --> 1:23:18.880
<v Speaker 1>because it was called that black. It says that he

1:23:19.520 --> 1:23:23.320
<v Speaker 1>he well, it says he appears to blame the girlfriend.

1:23:23.360 --> 1:23:28.080
<v Speaker 1>He hasn't appeared to blame her. He specifically says, let

1:23:28.160 --> 1:23:31.160
<v Speaker 1>me get to the quote that whole might as well

1:23:31.320 --> 1:23:35.240
<v Speaker 1>kill herself. And that's just like, you know, like I

1:23:35.320 --> 1:23:37.160
<v Speaker 1>don't know, and I mean we know called that black

1:23:37.240 --> 1:23:38.760
<v Speaker 1>and who he is and the type of stuff that

1:23:38.800 --> 1:23:42.760
<v Speaker 1>he said. So this is not like unusual, is it not.

1:23:43.040 --> 1:23:46.720
<v Speaker 1>But what's what's sad? But if I wouldn't even post that,

1:23:47.000 --> 1:23:50.840
<v Speaker 1>if I was whoever, that's that's that's what we are, right,

1:23:50.960 --> 1:23:53.880
<v Speaker 1>that's and what happens What that does? It further, it

1:23:54.000 --> 1:23:57.680
<v Speaker 1>does two things, right. It creates a rift between her

1:23:57.760 --> 1:24:01.160
<v Speaker 1>and him. Loved ones people I love her feels the

1:24:01.240 --> 1:24:04.840
<v Speaker 1>type of way what they said about him, right, It

1:24:04.960 --> 1:24:08.080
<v Speaker 1>gets trolls to get on there and feed in and

1:24:08.560 --> 1:24:12.000
<v Speaker 1>start to her. You never know, so it causes real

1:24:12.200 --> 1:24:17.080
<v Speaker 1>situations and it's like your it's over. We're not even

1:24:17.120 --> 1:24:19.519
<v Speaker 1>taking the time to really just mourn the young man.

1:24:19.800 --> 1:24:23.439
<v Speaker 1>But this is my thing. She has to raise his daughter.

1:24:23.680 --> 1:24:26.960
<v Speaker 1>Why don't we have anything in us that makes us say,

1:24:27.360 --> 1:24:29.800
<v Speaker 1>let me sit back. I don't really know this for sure,

1:24:29.920 --> 1:24:32.200
<v Speaker 1>so I might I'm not even going to say that

1:24:33.400 --> 1:24:35.679
<v Speaker 1>because we don't. That's not That's not what the internet

1:24:35.760 --> 1:24:39.759
<v Speaker 1>and it does. The internet makes your opinion a fact.

1:24:40.280 --> 1:24:43.840
<v Speaker 1>People who don't even can barely read have opinions that

1:24:43.960 --> 1:24:47.679
<v Speaker 1>turned into facts that they knew nothing about. It's sad,

1:24:48.280 --> 1:24:51.800
<v Speaker 1>it's really really sad. But you know, I don't know.

1:24:52.439 --> 1:24:56.400
<v Speaker 1>I just like I said, are you okay? That's that's

1:24:56.479 --> 1:24:59.400
<v Speaker 1>what came That's what hit me to my core, like

1:25:00.120 --> 1:25:03.800
<v Speaker 1>there's real people attached to these stories and these you know,

1:25:03.960 --> 1:25:06.759
<v Speaker 1>people who are falling victims in our in our community,

1:25:06.880 --> 1:25:09.320
<v Speaker 1>and I just I don't know. I mean, you know,

1:25:09.760 --> 1:25:11.639
<v Speaker 1>I'm glad we've been talking about it the whole time,

1:25:11.720 --> 1:25:15.320
<v Speaker 1>so we won't bet. It was a good show, dope show.

1:25:15.960 --> 1:25:19.280
<v Speaker 1>Shout out to MG our guy Matthew Garland was dropping

1:25:19.320 --> 1:25:23.000
<v Speaker 1>the jews, educating us about mortgage and things we need

1:25:23.080 --> 1:25:27.160
<v Speaker 1>to know. Shout out to you're coming on the show.

1:25:27.760 --> 1:25:31.160
<v Speaker 1>Do you know doing what you do regular the number

1:25:31.200 --> 1:25:36.280
<v Speaker 1>one show, Number one? Listen. That's why people are like, oh,

1:25:36.320 --> 1:25:38.080
<v Speaker 1>they're already number one, so we don't need to know.

1:25:38.439 --> 1:25:40.519
<v Speaker 1>You've got to download it because we number one. People

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<v Speaker 1>want to download the number on the show. Make sure

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<v Speaker 1>you go with the download. Let us know what you feel.

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<v Speaker 1>If you love our show, if you hate that show,

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<v Speaker 1>if you've got any ideas for topics that you want

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<v Speaker 1>to hear, you got some people you want us to interview,

1:25:52.640 --> 1:25:55.760
<v Speaker 1>let us know. We'll be happy to oblige. You know

1:25:55.920 --> 1:25:58.600
<v Speaker 1>we're gonna we will. We will think about it. I

1:25:58.800 --> 1:26:01.439
<v Speaker 1>will not you're the ball. I'm customer services. This is

1:26:01.439 --> 1:26:07.160
<v Speaker 1>about customer service from customers always Yeah, that's what I thought,

1:26:07.240 --> 1:26:12.400
<v Speaker 1>but not today anyway. Once again number one show in

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<v Speaker 1>the world. Thank you for being with us. You could

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<v Speaker 1>have been anywhere in the world, you're here with us today.

1:26:19.040 --> 1:26:21.760
<v Speaker 1>I'm not gonna always be right to make It's not

1:26:21.800 --> 1:26:25.400
<v Speaker 1>gonna always be wrong, but both always and I mean always,

1:26:25.760 --> 1:26:32.400
<v Speaker 1>be authentic. Listen to Street Politicians on the Black Effect

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<v Speaker 1>Network on I Heart Radio and catch us every single

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<v Speaker 1>Wednesday for the video version of Street Politicians, or I

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<v Speaker 1>Women Dot TV