Speaker 1: What's that family is your girl to make a d
Speaker 1: Mallory and then your boy and my son and general
Speaker 1: and we are your hosts of street politicians, the place
Speaker 1: where the streets and politics meets. What's up the streets.
Speaker 1: We don't have a little streets like the girl in
Speaker 1: the I guess you know what. The other day I
Speaker 1: went to check like something. I don't know if it
Speaker 1: was banking or some important act that I have, and
Speaker 1: my gender was pre selected as gender nonconforming. And I
Speaker 1: was like, it's very interesting that someone that the system
Speaker 1: shows that for me. Yeah. I was just there. I'm
Speaker 1: like that, I mean, you know, obviously I'll support our
Speaker 1: gender knock conformant, but I still would like to choose female,
Speaker 1: and they put not gender knock conform and I was
Speaker 1: sticking to myself, this is it's interesting that it's a preselection.
Speaker 1: Yet it is interesting that not only is their preselection,
Speaker 1: but the preselection something that it's so many things that's
Speaker 1: been happening I've had. Let me tell you something, my son,
Speaker 1: this is what I have learned. You have to be
Speaker 1: really really on top of your business, because at one
Speaker 1: point someone was um charging or moving somehow payments or
Speaker 1: money in in increments of nineteen thousands of change from
Speaker 1: my account, but the system was blocking them, and then
Speaker 1: I had to put these controls on my account that
Speaker 1: stops everything. So now every damn thing I do, things
Speaker 1: are not going. You know, I gotta go in, I
Speaker 1: gotta click the thing and agree to this payment. Because
Speaker 1: this was happening over some time, and if it was
Speaker 1: not for the fact that the system was kicking it back,
Speaker 1: it would have been gone. Because however, this person or
Speaker 1: this whatever it is, had the situation set up. It
Speaker 1: was like working like because you could see the money
Speaker 1: was coming out of my available balance. It was like
Speaker 1: really something serious. And they did it more than one time.
Speaker 1: Oh I know how to how how we found out
Speaker 1: there wasn't nineteen thousand dollars in there at one point,
Speaker 1: so there was like a negative thing and I'm like,
Speaker 1: what is what is this? I would you know, I
Speaker 1: didn't try to spend that kind of money, And it
Speaker 1: was actually because they had and they had tried before. No,
Speaker 1: they never got it. Each time it did not clear.
Speaker 1: But this time there was more of an alert because
Speaker 1: it holds it for two days and then it'll bounce
Speaker 1: back in so that happen, and I obviously didn't know,
Speaker 1: right because you know how you try to leave your
Speaker 1: money and don't freaking spend it like this is the
Speaker 1: biggest challenge in my life is not spending your money,
Speaker 1: trying to save my money. And so I didn't I
Speaker 1: wasn't checking. And then the next time, because of the
Speaker 1: fact that there was not enough money to cover that
Speaker 1: type of transaction, is set off other alerts that I have,
Speaker 1: and they sent me messages and I'm like what nineteen,
Speaker 1: Like you know, it was like the apocalypse happened in
Speaker 1: my life, Like what are you talking about? And when
Speaker 1: I went and then you know, they look back and
Speaker 1: they saw. So the point is that you have to
Speaker 1: check your balance regularly. You gotta check your balance. You
Speaker 1: have to make sure you know exactly how much money
Speaker 1: you have in your in the bank and your investment accounts.
Speaker 1: You know, now investment accounts is a little bit different
Speaker 1: because I've been told you kind of put it, leave
Speaker 1: it and just let it grow. But every now and
Speaker 1: then you still need to check to see what's going on,
Speaker 1: because you know, you have to. You have to know,
Speaker 1: like you might have made a whole lot of money
Speaker 1: too and have no idea that you're you're up, and
Speaker 1: if you up, some people feel like, while I'm up,
Speaker 1: let me take at least what I put in out
Speaker 1: or some portion of what I put in out and
Speaker 1: leave the rest, you know, and leave and leave the rest.
Speaker 1: So you know, it's it's you have to be. You
Speaker 1: have to monitor. You can't just in the game with
Speaker 1: two toes like you have to be in it all
Speaker 1: the way. And it's a lot of things. Taking care
Speaker 1: of your body, taking care of you know, your your everything,
Speaker 1: your job. It's a lot of responsibility. So it is,
Speaker 1: and it's a lot. Being grown is the hardest job
Speaker 1: in that yo. It's just remember I could do what
Speaker 1: I want to do now, I don't want to do
Speaker 1: none of the ship that I want to do because
Speaker 1: I want to do coach with payments, spending money in it.
Speaker 1: It's like it's like every day out and then getting
Speaker 1: up at a certain time and doing this man and
Speaker 1: being doing this, and if you don't do what, you're nothing.
Speaker 1: And when you yell, you could just sleep or whatever,
Speaker 1: or you can have days to open the food seal
Speaker 1: was gonna get on the table and we'll get done.
Speaker 1: And you didn't. You thought like we just told the
Speaker 1: magic card. Imagine it was different. The little kid on
Speaker 1: Instagram he's like, um, he's like, yeah, you know, Mom,
Speaker 1: just the car, the free money on the car you
Speaker 1: give them the card is magic. No, it's not, it's not.
Speaker 1: It's not. And as I prepared to be a grandma
Speaker 1: and you are already a grand ca your g pop. Yeah,
Speaker 1: I'm gonna be grandma. I just look at the young
Speaker 1: people that are having these children, and I and my mom,
Speaker 1: you know, my mom is you know, I'm honestly realist,
Speaker 1: and I'm like these young kids, I'm I'm like, the kids,
Speaker 1: ain't that y'all? They're twenty three years old? That is
Speaker 1: not that young. Eighteen That was y'all seventeen sixteen three.
Speaker 1: These are people have to stand on up and dan
Speaker 1: do they visit? And I said, I don't think they
Speaker 1: can do She said, well, why could you do? I
Speaker 1: don't come I could do it? What do you mean
Speaker 1: the world does it. They're gonna do it. They're gonna
Speaker 1: do it. But I feel for them because they don't
Speaker 1: he approcreating and they're gonna figure it out. It's on
Speaker 1: the job training training, Like you're gonna have to figure
Speaker 1: it out. You're gonna get a couple of shitty pampers.
Speaker 1: You're gonna be not sleep, you're gonna be stressed out,
Speaker 1: you will miss you. You want to do that. There's enough.
Speaker 1: But they got they showed a baby. There's a little
Speaker 1: video there's the guys lifting his baby up. He's so cute,
Speaker 1: and the baby pistons everywhere out the pan the pampers on.
Speaker 1: But you know, if you have the baby a board
Speaker 1: a male child's penis the wrong way in the pamper,
Speaker 1: then come out of that ship. I don't have a
Speaker 1: couple of those pampers when everywhere you could close, it's
Speaker 1: a lot. And that's the that. If it was just
Speaker 1: peeing on you and pooping on you, that be fine.
Speaker 1: It's a whole other situation. It's crying. It's got to
Speaker 1: feed is you don't know why they're crying, hysterically crying.
Speaker 1: It's all types of ship. You're just trying to figure
Speaker 1: it out there. There's so much to happen. So what
Speaker 1: is going on? I tell you so? First of all,
Speaker 1: helped me understand this the sex trafficking thing that happened
Speaker 1: in Georgia. Okay, so this this is what I don't understand.
Speaker 1: Let me, let me, let me get this straight, because
Speaker 1: I really need it to be. But I don't need
Speaker 1: to just because I don't say that. Okay, So so
Speaker 1: I just you know, we have things. Shout out to
Speaker 1: Precious who gives us a strong rundown so we can
Speaker 1: be on point and not just talking. Did the Georgia
Speaker 1: Sheriff's Department went to They had been monitoring a ring,
Speaker 1: a sex trafficking ring, so they went to bust the
Speaker 1: ring at the same time, a deputy sheriff. This car
Speaker 1: couldn't make it from Okay, so maybe they went they
Speaker 1: went to Florida. Right, they had to let me see
Speaker 1: where did they go? Right? Okay, okay, okay, so they
Speaker 1: from Georgia. But somehow another this thing, this sex trafficking
Speaker 1: ring goes. It stretches all the way to Florida exactly.
Speaker 1: So Georgia to Florida, across state lines. So he was
Speaker 1: going to a conference and they said his car. He
Speaker 1: didn't think his car could make the trip, so he
Speaker 1: took an official car. But he had already been set
Speaker 1: up by the somebody, you know, a detective who was
Speaker 1: texting with him, setting up prostitution, sex work, and the
Speaker 1: person was gonna see him. I think he made I
Speaker 1: don't anyway, I don't want to add any extra. So
Speaker 1: he was talking to this person, so they set it up.
Speaker 1: He had liquor for the person in the car looking
Speaker 1: for himself, and he was on his way to go
Speaker 1: meet this individual. And then when he got there, they
Speaker 1: busted him. Now here's what I'm trying to understand because
Speaker 1: I'm not really clear. Because then they I think they
Speaker 1: suspended him until until further notice. He wasn't like immediately fired.
Speaker 1: So I told you. Now, he has the alcohol and
Speaker 1: stuff in his car in the in there, in the
Speaker 1: official car, so that's automatically you get in trouble for that.
Speaker 1: So he he makes his phone calls, does whatever. So
Speaker 1: then when they when he gets there, because he was
Speaker 1: supposed to pay I think a hundred and twenty dollars
Speaker 1: for sex and then and then, but he ended up
Speaker 1: offering a hundred and eighty dollars or something later on,
Speaker 1: so the price went up, went up a couple of dollars.
Speaker 1: He said he wanted the full treatment. This is the
Speaker 1: police in the car in the in he's the deputy chief.
Speaker 1: So they catch him, and um, you know, and and
Speaker 1: so he becomes a part of this ring. Now here's
Speaker 1: what I'm trying to figure out. And this may be
Speaker 1: a part of his leaving defense, right because the title
Speaker 1: of the story and how I keep seeing it, it's
Speaker 1: a little like, I'm not clear just because you went
Speaker 1: somewhere to buy sex, which is that you're you know,
Speaker 1: you on the job official and you're in the official car,
Speaker 1: and that's not supposed to happen, and I'm sure there
Speaker 1: has charges and whatnot. How does that apply to the
Speaker 1: sex trafficking thing, other than the fact that where he
Speaker 1: was going to get the sex was clearly from some
Speaker 1: ring that had been set up that they were selling
Speaker 1: these girls. Boy, well, I guess it's it's a ring, right,
Speaker 1: So they were able to say that, they were able
Speaker 1: to say two women to women, So obviously whoever was
Speaker 1: trafficking these women, they was following them and that led them.
Speaker 1: So he was just happy to be he was part
Speaker 1: of the ring because they were kidnapping girls, trafficking them
Speaker 1: and then selling them for sex. So how are you
Speaker 1: a part of the ring just because you went to
Speaker 1: get the sex from the ring, but you don't know
Speaker 1: it's a ring, but you do know it's it's I mean,
Speaker 1: you know it's illegal, but you don't got to know
Speaker 1: it's a sex track. That's what I'm saying that you're
Speaker 1: part of the six trafficking ring because it's a whole ring.
Speaker 1: That's what they say. It's a ring. It's goes around
Speaker 1: and goes you find trafficking. Did you sell a comes back?
Speaker 1: The money comes back or whatever it is, you know,
Speaker 1: so it's a whole ring. And they also not only
Speaker 1: did they find him and caught him, but they got
Speaker 1: some teeth, math teacher, they got physical and teacher and
Speaker 1: some Disney workers. So they a lot of people that
Speaker 1: are caught up. They said sixty people was caught up
Speaker 1: in this um week long stick. Wow. Yeah, Well I think,
Speaker 1: you know, I don't think that sex trafficking, that that
Speaker 1: that that particular charge is gonna stick to him unless
Speaker 1: they can prove that he knew that that's what. Well,
Speaker 1: I don't think he's been charged with. So I think
Speaker 1: he's been charged with. Okay, so a sex trafficking bust ring,
Speaker 1: it's a whole wing causes them to learn of people.
Speaker 1: Now because I was really like you know, reading its fundament.
Speaker 1: That's what and that's what they do. They say seized,
Speaker 1: they say the word sex trafficking, and now it looks
Speaker 1: like you he just kidnapped. Yeah, very well, not just
Speaker 1: kidnapped and coherting. There's a lot of ways that sex
Speaker 1: trafficking happens. So anyway, you know, this is just really crazy.
Speaker 1: And Sir Disney work Disney, and you know, you know
Speaker 1: that's around there. He hasn't even lost his job yet
Speaker 1: they say he's suspend it. I'm like, you're talking about
Speaker 1: but that's not It's not cool. Any of it's cool.
Speaker 1: I'm just saying, prostitution is the oldest profession, but not
Speaker 1: if you're being forced to do. That's what I'm saying.
Speaker 1: You know, they don't have anything they can say that
Speaker 1: he knows, we don't know that. Maybe when the Disney
Speaker 1: World game brought me to you know, another thing about
Speaker 1: people being mad about Hayley Baby Haley, Haley Bailey being
Speaker 1: I was calling honey Bury, you know what, Bailey Bailey
Speaker 1: girls the point. But they're mad because she's the new
Speaker 1: little moment white white white people. Man, this is a disgrace.
Speaker 1: You know, they've got a black people mermaid and I
Speaker 1: see the home posted that that made me laugh, for
Speaker 1: I assisted do want to talk this page what she said?
Speaker 1: They mad's a little mermaid black? Wait till they find
Speaker 1: out the Jesus well, they already black. That's why they
Speaker 1: don't want the mermaid to be black. But I like
Speaker 1: the means that say. You know, they're upset because a fish,
Speaker 1: a woman that is part fish, who sits in to
Speaker 1: see her best friend is to talk and crap. They're
Speaker 1: mad because they don't want that to be black. I mean,
Speaker 1: we just kept such a hard time now speaking those things.
Speaker 1: That's funny, but not funny. Let't tell you what happens
Speaker 1: to me. You know you know that I am working
Speaker 1: on how I respond to em. But I'm trying to
Speaker 1: understand in my thought of the day, is customer service done?
Speaker 1: Maybe COVID has created a situation with no no no
Speaker 1: no no no no day is a no no. Our
Speaker 1: production team Ojen is over there will tell you that
Speaker 1: customer service has diminished or decreased greatly. As a leader,
Speaker 1: It's really it's sad. Now I go into Chippotle, get
Speaker 1: me a little bit, and a young man who a
Speaker 1: nice looking young man. You know he's in there. First
Speaker 1: thing I've walked in. There's a black woman and she's
Speaker 1: just as funny and you know, and just she's making
Speaker 1: everybody less lunchtime. Everybody's laughing and talking. She's like, she's
Speaker 1: telling the guy right in front of me, you know,
Speaker 1: you caught me all the time, you get the same boat.
Speaker 1: But then there's another guy, you know. They they she's talking.
Speaker 1: She's like, I gotta remember which money, y'all. And everybody's talking,
Speaker 1: everybody's laughing. It's a good thing. So I asked him
Speaker 1: to do something particular for my boat, which I always
Speaker 1: have and I mean always. Anybody that goes to get
Speaker 1: me about everybody knows this is one thing that I
Speaker 1: like them to do. And it's not unusual. People do
Speaker 1: it all the time. He says to me at first,
Speaker 1: and the woman, the black woman, tells the young man, oh,
Speaker 1: all you have to do to fulfill what I'm asking
Speaker 1: for is this one little thing. And she we move on,
Speaker 1: and I'm still over there minding their business because the
Speaker 1: ladies making everybody lack. I turned around and noticed that
Speaker 1: he didn't do the thing, so I say, oh, you know,
Speaker 1: oh you know, I'm thinking he just forgot or whatever,
Speaker 1: and said, oh, could you please, um, you know, make
Speaker 1: sure you do that. He says, I'm not doing that,
Speaker 1: and I said, okay, I said why not? Like what
Speaker 1: do you mean? He said, I'm not doing it. I said, okay,
Speaker 1: I said, you know what, because again I'm trying to
Speaker 1: work on how I did what. I said, can you
Speaker 1: get your managers? Because I know this is a simple
Speaker 1: thing and the manage will come and do it. I
Speaker 1: know that. I said, can you get your manager? The
Speaker 1: he says, no, you go over there and talk to
Speaker 1: him yourself. And I'm not looking at him, like what
Speaker 1: exactly is happening? But when he says that, the first
Speaker 1: of all, the black woman is confused as hell, like
Speaker 1: what happened here? But also the man behind me, to
Speaker 1: his credit, the white man behind me goes what, like
Speaker 1: why is what is going on? What's the problem? So
Speaker 1: he says, you go over there, I got another customer.
Speaker 1: You can move over. I said, okay, wait, I'm not
Speaker 1: sure who you're talking to, right, And the first time
Speaker 1: I said, I said, I'm a customer. I don't have
Speaker 1: to walk over there to get anybody. The managers. You
Speaker 1: need to go get the manager and tell him or
Speaker 1: her to come over and talk to me, he said,
Speaker 1: but I'm not doing that. I said, well, who the
Speaker 1: funk do you think you're talking to when you said customer, motherfucker?
Speaker 1: Oh absolutely, I said, who then do you think you're talking?
Speaker 1: I'm you. But as he says, he's talking to me
Speaker 1: in the most nasty boys he could come up with.
Speaker 1: The manager is coming and it's listening to what's going on,
Speaker 1: and he goes, no, no, you go back to the back.
Speaker 1: So he sent him to the back. And then the
Speaker 1: manager asked me, well, what's the problem, right, because of
Speaker 1: course it must be something. I mean, this must be
Speaker 1: we need to get your police on this, because they
Speaker 1: cussed in and said, he says, what's I said? I
Speaker 1: asked the young man if he could take because I
Speaker 1: don't really like a lot of beans, I said. I
Speaker 1: asked me if he could take to being gravy with
Speaker 1: the little cup like y'all do all the time and
Speaker 1: just put it on the thing. And he said what.
Speaker 1: The manager was looking like, I know that this is
Speaker 1: not what this is about. Okay, another guy and he goes,
Speaker 1: oh no, you just do this, and why are you talking?
Speaker 1: What an't We go so you're going through something, whatever
Speaker 1: it is, obviously, and the white man begins to say,
Speaker 1: this is ridiculous, like this is this, all of this
Speaker 1: was for nothing. I don't understand that. Nobody understands this.
Speaker 1: And I said to the black mask, I asked the
Speaker 1: black woman. But I asked the black woman, I said,
Speaker 1: did you I asked her, I said, um, I said,
Speaker 1: that's all. I asked, what was to be through? She
Speaker 1: said yea. That was so funny. So that happened to
Speaker 1: me there right, And unfortunately it was all black and
Speaker 1: brown people behind the table, which everybody and once that
Speaker 1: happened and he was removed, everybody was super kind. It's
Speaker 1: chipol they' nice and Chipotle. Everybody was super accommodation. But then,
Speaker 1: so that happened to me in this situation, and and
Speaker 1: again I feel sorry. I don't something. I don't know
Speaker 1: what's wrong with you. But then I was on the
Speaker 1: plane the other day. First of all, it happened to
Speaker 1: me a few weeks ago. I was in the shoe
Speaker 1: department and Nemon Markets and the woman comes over and
Speaker 1: asked me what what kind of entertainment I'm into? Are
Speaker 1: you an actress, a dancer, this or that, and they're, no, man,
Speaker 1: I'm not any of those things. And you know it's
Speaker 1: fine if you are, but that's not what I do. Right,
Speaker 1: And then I was on the plane in first class
Speaker 1: yesterday and the lady next to me just couldn't help us.
Speaker 1: A white woman says, are you are you a singer?
Speaker 1: I'm just trying to figure out. It's like everywhere I go,
Speaker 1: is he that I'm dealing with racism? Or in service
Speaker 1: business you're dealing with people who are not professional. You're
Speaker 1: dealing with all kinds of service individuals all over. I
Speaker 1: mean I can name service individuals that can't what what
Speaker 1: what is happening? Exactly like? Do is the school that
Speaker 1: you go? Shout told me easy easy, y'all had a
Speaker 1: course that he wanted to teach people about customer service.
Speaker 1: He had drew up to he had a pamphlet because
Speaker 1: he realized that it's a it's a forgotten art. People
Speaker 1: don't know, like remember the customers always right? You know
Speaker 1: that's that's going It ain't no, You're not no customer.
Speaker 1: You're somebody to coming in and you're working with my day.
Speaker 1: You know, I'm trying to do simple ship. I want
Speaker 1: to do one to three. I gotta do something extra.
Speaker 1: I actually gotta work today because you want some motherfucking
Speaker 1: stuff like nobody want to deal with that. Man. I
Speaker 1: just want my check. I want the simple. I don't
Speaker 1: want to back talk. I don't want you to want
Speaker 1: things that's outside of the menu. I want to ship
Speaker 1: to go to where I wanted to go, and you
Speaker 1: coming to hire you actually want not because I, as
Speaker 1: the employee, I must be paying for your food. Yeah. Yeah,
Speaker 1: people it's not happy that they actually gotta work, you know.
Speaker 1: So I'm sad that I just don't know what it is.
Speaker 1: And as far as the race, I think a lot
Speaker 1: of times people think these are compliments right there when
Speaker 1: you look, you know, and they don't realize it's underlined
Speaker 1: that there's need. There is mentality that you you have
Speaker 1: to be doing something to entertain us in order to
Speaker 1: be in this status. No black person has ever asked
Speaker 1: me that. Like, literally, I've never been anywhere. I mean
Speaker 1: I'm talking about in service. I don't even I can't
Speaker 1: think of anywhere at all, but certainly in like a
Speaker 1: service industry. I've never had a black person say are
Speaker 1: you a single or rapper? Because this is like we
Speaker 1: know that you just don't ask that question anyway. We're
Speaker 1: living in a day, very very strange time. So let's
Speaker 1: get to the topic, the topic of the day. And
Speaker 1: you know it's what the heavier heart, You know, R
Speaker 1: I P to P and b Rock you very good
Speaker 1: due see the peace with the level of violence that
Speaker 1: we are experiencing in our communities deadly, not just in
Speaker 1: music industry, but just in all of our communities. Every
Speaker 1: day there's a life loss. I've seen young kids who
Speaker 1: are athletes get killed to some I've seen babies get killed.
Speaker 1: It something. I've seen women children, Everything is shot over
Speaker 1: sensus violence and every day you've seen somebody trying to
Speaker 1: rob somebody, somebody stabbing somebody. Like I want to know,
Speaker 1: what is it going to take m to really for
Speaker 1: us to come to the realization to understanding that we
Speaker 1: have to love each other, that we can't keep take
Speaker 1: taking everybody's life. And it's like right now, especially as
Speaker 1: a rapper, it's like you're in a dangerous pieces. It's
Speaker 1: like it's like watching and I say this all the time.
Speaker 1: You know, I don't blame any genre music for violence,
Speaker 1: right I think the music is the product of the violence.
Speaker 1: The violence is not the product of the music, you know,
Speaker 1: But when the violence in our communities being incentivized, and
Speaker 1: these kids feel like that's the only way to gain
Speaker 1: some level of success, to get some level of money,
Speaker 1: to get notoriety, and it's being celebrated, then whose fault
Speaker 1: really is? Right? Who's the fault? But past the fault,
Speaker 1: what do we have to do to fix it? You know?
Speaker 1: What do we have to do that we value lives,
Speaker 1: that people aren't taking a life over a chain, that
Speaker 1: people aren't want to kill you over words, or that
Speaker 1: you know, that people aren't smoking on each other's dead ops,
Speaker 1: and all of these things. What do what do we
Speaker 1: have to do? You know? I really want to sit down.
Speaker 1: I'm really trying to sit and see if we can organize,
Speaker 1: you know, a panel or just a real meeting with
Speaker 1: people that I think are influence you, who have our
Speaker 1: solution based on what it's gonna take for us to
Speaker 1: start loving and protecting us in our own communities? Like
Speaker 1: I really want to know. That's that's what the topic
Speaker 1: for today is, Like, what do you think it's going
Speaker 1: to take? What do you think is we're going to
Speaker 1: keep losing? Is it gonna take more lives being loss Nipsey,
Speaker 1: we lost, you know, every every week ye love Young
Speaker 1: dolg and something and and the list goes MO three,
Speaker 1: like the list goes on and on. Where their senses
Speaker 1: got violence? So what do what do we need to do?
Speaker 1: How are we gonna curve it? How are we gonna fix?
Speaker 1: How we gonna rechange the culture? You know, because right
Speaker 1: now the culture of violence is what's prevalent. So I
Speaker 1: want to know from y'all, you know, give us your feedback.
Speaker 1: What do you think it's going to really take to
Speaker 1: change the culture. That's a good topic. We'll talk about
Speaker 1: it more throughout the show. In fact, we should ask
Speaker 1: um our guests about it. You know, we talked about
Speaker 1: and we'll talk to more about the interview that I
Speaker 1: did this week. I'll tell you these heck as you said,
Speaker 1: headlines are so sensationalized because um the TMZ interview that
Speaker 1: the title of it is Tamkea Mallory says p and
Speaker 1: b Rock is dead because of economic conditions in our community.
Speaker 1: I'm like, that's not exactly, but it's you know what
Speaker 1: I'm saying. I get it, though, I get it, and
Speaker 1: I know they're gonna make it weird. It's like they
Speaker 1: But that's not exactly the point. The point because I
Speaker 1: was asked about rappers and I said, it's all black
Speaker 1: people in different areas, healthcare system, education, everywhere you turn,
Speaker 1: there's there are people dying, right And the only reason
Speaker 1: why we know about rappers is because they are they
Speaker 1: we know them. So it's making the news. But there's
Speaker 1: a bunch of people dying every single day too, and
Speaker 1: we've been talking about it. We've been talking about people
Speaker 1: who die because you can't get the proper health care
Speaker 1: or mental health issues, and we've been talking about it.
Speaker 1: So that means that black people in general overall, in
Speaker 1: order for us to fight to stop the rappers from
Speaker 1: being murdered, which we absolutely have to, we have to
Speaker 1: also focus on the whole pie. In order to understand
Speaker 1: the whole pie. You gotta understand white supremacy. What did
Speaker 1: he say? If you don't understand racism, then nothing I'm
Speaker 1: saying to you was gonna make sense. A brother said
Speaker 1: that in the meeting one day changed our whole life.
Speaker 1: You don't understand the root cause of why it's a
Speaker 1: root cause, jealousy. There's a there's an issue, and social
Speaker 1: media has a big role in what we see happening today.
Speaker 1: You know, a six year old child died by suicide
Speaker 1: because he said that or they I don't know who
Speaker 1: said it, but because of the racist comments, like the
Speaker 1: bullying that was happening in his school, Like it's really
Speaker 1: really sad. And our brother David John, who we need
Speaker 1: to have on um, he sent me an article yesterday
Speaker 1: it shows that suicide rates among black women has like triples.
Speaker 1: Skyrocketing is the word that use, skyrocketing. So anyway we
Speaker 1: should you know, I think as we bring our next
Speaker 1: guest on the economic pieces, what I said is gonna
Speaker 1: be a big part of how we turn this thing around.
Speaker 1: I don't think it's the only piece, because certainly there's
Speaker 1: got to be retraining, as mental health stuff, there's a
Speaker 1: lot of things. But that economic piece is so important
Speaker 1: because if you think for one minute, we talked about
Speaker 1: so all the time that you're about to go outside
Speaker 1: pot lock and drop it with your good stuff on
Speaker 1: chilling and people are not gonna say, well, then let
Speaker 1: me get a little bit of that. I need a
Speaker 1: little change, you know what I'm saying. That's what's gonna happen.
Speaker 1: It ain't right, It shouldn't be, But that's the case
Speaker 1: because a lot of people don't want to work for
Speaker 1: their own. They want to take what you have instead
Speaker 1: of working for their own. And some people never That's
Speaker 1: what I'm saying. So you gotta protect yourself. You gotta
Speaker 1: protect yourself, you gotta be smarter, you gotta protect yourself.
Speaker 1: And we those advocates, and we have to understand. I said,
Speaker 1: if you don't understand what you're fighting, you can't fix
Speaker 1: it because you have to know that you're not. Capitalism
Speaker 1: is at the center, which is a struck is which
Speaker 1: is a part of white supremacy. It is as a
Speaker 1: result of white supremacy that we have capitalism in the
Speaker 1: world right, And so understanding the systemic role or the
Speaker 1: systemic part of it, and the role that it plays
Speaker 1: and everything that happens. How we don't like each other,
Speaker 1: light skin against dark skin, you know, black women against
Speaker 1: Latino women, black men fighting one another, black men, uh,
Speaker 1: you know, abusing black women, black women, not respecting black men.
Speaker 1: All of that is coming from something we were not
Speaker 1: we were. This is not who we were. We can
Speaker 1: just wake up one day and this is just you know,
Speaker 1: this stuff has been ingrained in our mind for decades,
Speaker 1: because if we at not decades, this is longer than decades, right,
Speaker 1: this is this is hundreds of years, centuries, multiple centuries, right,
Speaker 1: and and and and and and the reason why is
Speaker 1: because so long as they keep us weak and broken
Speaker 1: and separated from one another, then and only then can
Speaker 1: they continue to stay in power and then control. And
Speaker 1: somebody said a lot of people don't God, they went
Speaker 1: off because you know, I put some of my social
Speaker 1: media and I'm not like you, I'm not argument. I
Speaker 1: just let them be man ad and say what they want.
Speaker 1: I said what I said, I changed sometimes go back,
Speaker 1: but I changed you a little bit. But but I
Speaker 1: said what I said that, Oh you're not you're not
Speaker 1: talking about personal accountability. We we got so my personal accountability.
Speaker 1: Every day, every day we're talking about personal accountability. We're
Speaker 1: talking about that. But somebody also has to focus on
Speaker 1: what is the root cause? And I think a part
Speaker 1: of her, a part of personal responsibility is to educate yourself, Well,
Speaker 1: why do you feel the way you feel about your
Speaker 1: brother or sister, or why are you're able to pick
Speaker 1: up a gun? Or why are you want to rob somebody.
Speaker 1: That's a part of personal responsibility. You got to educate yourself.
Speaker 1: Got to educate yourself. So you know, let's talk to
Speaker 1: our next guests about decide this, this and many other things.
Speaker 1: So nineteen years in the mortgage game, we're about to
Speaker 1: learn some things today. I am and really really admire
Speaker 1: this brother. I follow him on social media and every
Speaker 1: time I see him, he's so humble and nice and
Speaker 1: kind and just so caring and willing to share information.
Speaker 1: And you know, a lot of the guys out here
Speaker 1: that's making a whole lot of money, because we know
Speaker 1: he's making a whole lot of a lot of money,
Speaker 1: they're not that nice, you know. So and I always
Speaker 1: tell you that, I'd be like, you know, it was
Speaker 1: just weird, acting like, you know, on their shoulders. But
Speaker 1: he's not like that. MG, the mortgage guy, Matthew Matthew Garland.
Speaker 1: First of all, do people even call you Matthew Garland?
Speaker 1: That's your whole government name in the streets. Yo. It's
Speaker 1: crazy because now people say MG or MG the mortgage Kyle,
Speaker 1: or they tell me my license number. Um, so that's
Speaker 1: the crazy thing right now. It's like they're like, yo,
Speaker 1: NMLS number one eight nine, Like you know what I'm saying, Like, yeah,
Speaker 1: it's crazy, it's crazy right now. But I love that
Speaker 1: right because I'm not out here talking about any foolishness.
Speaker 1: I'm talking about, um, things that can empower our community.
Speaker 1: And for people to recognize me as a licensed professional
Speaker 1: and run up on me like I'm a celebrity or
Speaker 1: rapper or entertainer and want to take pictures and talk.
Speaker 1: I mean, it's it's very humble and so it's it's
Speaker 1: it's um, it's a great thing. But no no one
Speaker 1: calls me Matthew Aller no more. Well, thank you so
Speaker 1: much for coming on uh street politicians today. We've been
Speaker 1: trying to do this for a while, and we have
Speaker 1: for the last several months really been trying to focus
Speaker 1: on the economic conditions of our community. We have a
Speaker 1: topic that we've been talking about today. We've been sort
Speaker 1: of not so much debating but discussing, and we're gonna
Speaker 1: get into that with you late a little later. Um,
Speaker 1: but I just want to say that I think that's
Speaker 1: a good thing for our culture that we're shifting from
Speaker 1: just running up to the you know, regular entertainers, which
Speaker 1: you know I have no problem with that. Sometimes I
Speaker 1: see people and I'm like, Okay, this is a picture
Speaker 1: I want. It's rare, but I do um. And we're
Speaker 1: shifting it to people wanting to be close to and
Speaker 1: connected to folks who have a consciousness some level of consciousness.
Speaker 1: And so I think that's actually progress for us as
Speaker 1: black folks, um, you know, in this country. I mean
Speaker 1: I agree with that. I definitely agree. You know, watching
Speaker 1: you know, those who are thought leaders, who are investors,
Speaker 1: who are teaching the culture about financial literacy, about you know,
Speaker 1: ownership and things of that nature becoming the new stars.
Speaker 1: You know, I watched I just was that Invests, which
Speaker 1: you were a part of, and I've seen just watching
Speaker 1: how many people were there, just seeing how big, you know,
Speaker 1: just financial literacy and just black empowerment and black wealth
Speaker 1: is becoming in this country. So you know, I'm happy
Speaker 1: for you, proud of you. You know, I follow your
Speaker 1: watch and see all the things that you do, and
Speaker 1: you know, I just continue to do what you're doing. Man,
Speaker 1: What what what made you want to get involved in this? Like?
Speaker 1: How long have you been doing this work? Man? So
Speaker 1: I'm in the mortgage business going on twenty years now.
Speaker 1: So when I first came into business, you know, there
Speaker 1: wasn't no social media. There was no Facebook, there was
Speaker 1: no Instagram. Um, there was nothing like the platforms like
Speaker 1: we have today. And it was barely any black people
Speaker 1: um here doing any type of real estate. And the
Speaker 1: black people who did do real estate, they kept it quiet. Right.
Speaker 1: We all know those type of people in our communities
Speaker 1: whore getting money, but they never want to share the
Speaker 1: information on how they're getting money. So when I came
Speaker 1: into business, you know, I had to learn the hard
Speaker 1: way through trial, trial and error and um, you know,
Speaker 1: wins and losses, but I like to get those losses
Speaker 1: all turned into lessons and um, just the whole social
Speaker 1: media thing. Once I discovered like Gary V and those
Speaker 1: guys probably back in two thousand, sixteen seventeen, I'm like, damn,
Speaker 1: they're onto something. And you know, I'm forty four years old,
Speaker 1: so I'm getting a little bit older too. So I said,
Speaker 1: you know what, how can I reach the younger generation,
Speaker 1: especially in my community with the information that I have.
Speaker 1: And that's why I started coming to social media and
Speaker 1: just started putting that information out there. And it's just
Speaker 1: kind of grown to to what we see now to
Speaker 1: you know, we're doing things like invest FESTUM. Shout out
Speaker 1: to my partner's trying Richard and Mike at earn your
Speaker 1: Leisia UM, fourteen thousand black and brown people for financial literacy.
Speaker 1: You would never think in a million years you will
Speaker 1: see that many people in the space to learn about
Speaker 1: financial literacy, business, real estate stocks. So it's just been
Speaker 1: an incredible journey that, UM, we're all proud of and
Speaker 1: we just want to keep champion our community and keep
Speaker 1: pushing things forward. Well, first I wanted to say I
Speaker 1: was very much inspired and motivated, you know, by the
Speaker 1: invest first and just listening to you guys and just
Speaker 1: hearing how you was just giving so much jews and motivation.
Speaker 1: It was. It was very much inspirational. I came, I
Speaker 1: told her, I was like, listen, I'm changing. We we
Speaker 1: gotta get focused like people was out here focused. You know,
Speaker 1: we're doing a lot, we do a lot of work
Speaker 1: for our people, but we gotta really get financially focused
Speaker 1: and make real big decisions and and get into that space.
Speaker 1: So I just want to say thank you for that now.
Speaker 1: I appreciate you all. It was great seeing you guys there.
Speaker 1: Man and it's great to see just people that we've watched. Look,
Speaker 1: we love hip hop, right, we we grew up in
Speaker 1: the culture, right, so when we're saying folks like yourself,
Speaker 1: there tis there you know, many different people. That's just
Speaker 1: we've watched for years and now it's the two worlds
Speaker 1: are now starting to collode. It's just a beautiful thing, um,
Speaker 1: and you know we we love it and we just
Speaker 1: want to keep, you know, doing our part to get
Speaker 1: that message out there, to teach people, but also not
Speaker 1: just to give them information, but show them the way
Speaker 1: how they can execute, right, because that's most important because
Speaker 1: I think too many times people um get analysis paralysis.
Speaker 1: They will sit here and watch videos all day or study,
Speaker 1: but never make a move. And one thing about us,
Speaker 1: we don't just want you to be motivated inspired. We
Speaker 1: want you to go out there and do something because
Speaker 1: in our community we have to own some ship. We
Speaker 1: have to go out here and build our wealth because
Speaker 1: we're behind the eight ball already. So we're glad that
Speaker 1: people come out they're motivated. But if you're not out
Speaker 1: here executed, then it's really all for nothing. You're just
Speaker 1: being entertained at that point. Yeah, well, you know and
Speaker 1: I think the way we all are being intentional in
Speaker 1: this generation as well, whether it be in the social
Speaker 1: justice space, in the political space, and of course you
Speaker 1: know in the other spaces that you're in that have
Speaker 1: to do with our well being, right, people are being
Speaker 1: more intentional about making it look like what the culture
Speaker 1: loves because in the past, you know, all the people
Speaker 1: who were doing the things we're talking about and not
Speaker 1: and and it's not a knock, right, and maybe they did,
Speaker 1: they were fitting into that particular time, but it doesn't
Speaker 1: translate over right like it's it's And that's why you
Speaker 1: have people like Kirk Franklin and Type Tibot I think
Speaker 1: is the proper way to say his name now, and
Speaker 1: others like that. And it doesn't mean the Bishop Jake's
Speaker 1: is outdated, but he's definitely bringing Sarah Jake's his daughter
Speaker 1: to the four Front, because you know, as generations come forward,
Speaker 1: where people want to see things and hear words and
Speaker 1: language that really relates to them. And I think that's
Speaker 1: an intentional thing that we all have to work on
Speaker 1: every day. And there's some people that don't get it.
Speaker 1: They're like, oh, you know, you guys, you know why
Speaker 1: y'all dressed like this, or how come you you know,
Speaker 1: posting this type of For me, everybody wants to know
Speaker 1: why do you post pictures in your bathe and suit?
Speaker 1: And I always say, I'm not trying to reach my
Speaker 1: mother's generation, right, I want to partner with them. I
Speaker 1: want to learn from them. I'm not saying they're not
Speaker 1: important because they have the wisdom, but I'm trying to
Speaker 1: reach a particular demo that understands that language, right they
Speaker 1: I I get more interest from people who see me
Speaker 1: in a vulnerable or very authentic space. So I think
Speaker 1: we've been intentional about all that, about that and that helps.
Speaker 1: But now speaking of that, go back before this twenty
Speaker 1: year period and tell us more about what were you
Speaker 1: doing in your life, Like what exactly was happening that
Speaker 1: you was like, oh this is the way that I'm
Speaker 1: going to go. You could have done other things. Obviously
Speaker 1: you're brilliant. I mean, um for me, Look, I grew
Speaker 1: up in Brooklyn, UM, but I represent queens, you know.
Speaker 1: I went to Andrew Jackson High School. That's you know,
Speaker 1: I'm a queen's guy right throwing through. So I was
Speaker 1: like anybody, right, you know my family's other drug dealers
Speaker 1: and drug users. You see what I'm saying. So I
Speaker 1: grew up a certain type of way in the eighties
Speaker 1: and bed style Brooklyn. So I'm around hustlers my whole life.
Speaker 1: But also, you know, and this is why I say
Speaker 1: I'm a Queen's guy, because Brooklyn, to me those years
Speaker 1: was paying My mother's a crackhead. I have uncles who
Speaker 1: was on drugs. I have uncles that what drug dealers
Speaker 1: I have because we all got cousins that was murderers
Speaker 1: and and killers and robbers and all that stuff. Right.
Speaker 1: So for me, when I was younger, all I saw
Speaker 1: was the hustle. So it's always deeply and bettered into me.
Speaker 1: But I knew that's the route I didn't want. I
Speaker 1: didn't want to go the street route because I knew
Speaker 1: it led to nothing because I'm seeing people my age
Speaker 1: getting killed. I'm seeing people my age going to jail,
Speaker 1: and for me, I don't want no part of jail.
Speaker 1: I want nothing to do with it. Right, So coming up,
Speaker 1: I really didn't know what I was gonna do. I
Speaker 1: want to college, but I was a college dropout, you know.
Speaker 1: I went to a historical Black college and c c
Speaker 1: U in North Carolina, and it was just like a hustle,
Speaker 1: just trying to figure it out, throwing parties, doing this,
Speaker 1: doing that, just trying to make ends meet. And um.
Speaker 1: I got back to New York right after not eleven
Speaker 1: and I started working for T s A. And I thought, Okay,
Speaker 1: you know what, let me get the federal job. Let
Speaker 1: me get the benefits. You know, fifty thousand a year.
Speaker 1: Why not, right? And then my best friend at the time, Uh, well,
Speaker 1: not that I'm still my best friend, but my best
Speaker 1: friend told me, look, why don't you go get into
Speaker 1: the mortgage business and be a loan officer. I said,
Speaker 1: what the hell is that people want to buy a house,
Speaker 1: they need a loan, and the loan officers doing who
Speaker 1: gets them alone? So I looked in the paper. This
Speaker 1: is before you can go on the internet and look
Speaker 1: for jobs like I really went in the daily news
Speaker 1: and I used to do customer service jobs. I used
Speaker 1: to do salesman jobs. And I saw all these jobs
Speaker 1: for loan officers and I'm like, damn, I never noticed this.
Speaker 1: So I just picked the first three companies that was
Speaker 1: close to my house, and I went on interviews and
Speaker 1: I got hired and I've been doing it ever since.
Speaker 1: So I didn't know what the loan was. When I
Speaker 1: first got in the business. No one took teaches us
Speaker 1: about homeownership, no one teaches us about credit. So I
Speaker 1: never thought this this was a field that you can
Speaker 1: apply for. I thought this was something only the banker doing.
Speaker 1: You need to have a master's degreed to to work
Speaker 1: in quote unquote banking, right, Um, so yeah, I was
Speaker 1: kind of like anybody else, you know, late teens, early
Speaker 1: twenties that was just trying to figure it out. And
Speaker 1: thank God that I found something that kind of stuck
Speaker 1: to me and it became my passion. And just learning numbers.
Speaker 1: I never knew I really loved numbers. I never knew
Speaker 1: that I loved making other people happy because you have
Speaker 1: to be self servant in a way when you're doing
Speaker 1: a job like this, Because I kind of compared myself
Speaker 1: to a therapist because I'm always hearing some all these stories,
Speaker 1: I'm always hearing something. I'm taking somebody's energy and emotions.
Speaker 1: So it's just something that I grow into and now
Speaker 1: I just love it and I just want to keep
Speaker 1: doing it. So, you know, to answer you a question,
Speaker 1: I didn't know what the hell I was gonna do
Speaker 1: cheap around before I got into this business. I thank
Speaker 1: god that I found it because it changed my life
Speaker 1: and I've been able to change other people's lives in
Speaker 1: the past twenty years. So what what is the like
Speaker 1: the first step, Like somebody wants to be gett into
Speaker 1: doing mortgage loans in order to like what because most
Speaker 1: of us and I realized that we have fear, we
Speaker 1: have the starting fear, like we see it as is
Speaker 1: this biggest thing in the world, and I have to
Speaker 1: get out my own way with things, like there are
Speaker 1: things that I'm not familiar with, and I look and
Speaker 1: I hear y'all talk about a lot of different things,
Speaker 1: and I'll be looking. I'd be like, Yeah, it's gonna
Speaker 1: be too hard for me. It's gonna be too much.
Speaker 1: I'm gonna have to go through all of these things.
Speaker 1: So what is that first and issue thing that you
Speaker 1: do that can tell somebody who's got that mind state
Speaker 1: like to do, just do that first? So me personally,
Speaker 1: I think everybody should explore getting their real estate license
Speaker 1: or get in their loan officer license because it's it's
Speaker 1: it's not expensive first and foremost right to get your
Speaker 1: loan officer license may cause you five hundred bucks if that, UM,
Speaker 1: you have to take a twenty five hour class. You
Speaker 1: pass that class, then you pass the federal exam, and
Speaker 1: then you can submit your application UM to get up
Speaker 1: your license. But then you have to get sponsored by
Speaker 1: a bank um. And there's plenty of banks out here,
Speaker 1: mortgage broker companies out here that will take a chance
Speaker 1: with someone who wants to learn the business, so it
Speaker 1: doesn't take too much time. And to get your real
Speaker 1: estate license, I think it's seventy hours that you have
Speaker 1: to commit to and that's a couple of hundred bucks
Speaker 1: as well. And you see there's thousands of people with
Speaker 1: real estate licenses right, um. But anybody can get licensed, right.
Speaker 1: That's the easy part. I think. To actually now perform
Speaker 1: and do well, let your job and become successful, you
Speaker 1: have to dedicate the time to educate yourself. You know.
Speaker 1: One of the mistakes that I first made when I
Speaker 1: came in this business, I didn't take the time to
Speaker 1: learn my history about real estate or learn my history
Speaker 1: about finances and things of that nature. I would just
Speaker 1: run and gun. I just wanted to make money. I
Speaker 1: see these people in the offices making dollars a month,
Speaker 1: and I'm looking at them like, yeah, if these clients
Speaker 1: can do it, so can I. So I'm gonna just hustle, right,
Speaker 1: That's all I know. But I would tell anybody else
Speaker 1: who's coming into this business today, you gotta take the
Speaker 1: time to learn. You gotta study your guidelines because you're
Speaker 1: dealing with people's livelihood. You're dealing with their life, and
Speaker 1: you don't want to mess nobody up. So once you
Speaker 1: get your license is one thing. But I think self education.
Speaker 1: You know, Google, Google's your best friend, YouTube University. You know,
Speaker 1: there's a lot of paid courses and things of that
Speaker 1: nature where you can um deepen your knowledge base of
Speaker 1: this business to go out there and be successful. So
Speaker 1: how did you also at some point realize that you
Speaker 1: needed to learn about discrimination like redlining and all of
Speaker 1: that within the industry as well, so that you could
Speaker 1: help to overcome on the barriers that black and brown
Speaker 1: people face when they go for mortgages. To be honest,
Speaker 1: keep it a bunk with you guys. Know, in the beginning, again,
Speaker 1: I just wanted to make money. That's all I cared about.
Speaker 1: And you know, the wild cowboy days. Is when I
Speaker 1: came in this business, the subprime crisis, right, you needed
Speaker 1: a post to get alone at that time, So for
Speaker 1: me and I was taught by ex Wall Street guys,
Speaker 1: guys who got kicked off a Wall Street and they
Speaker 1: could just go on the mortgage business because there was
Speaker 1: no regulation. You didn't need a license at that time,
Speaker 1: so we were taught. When I came in, I was
Speaker 1: taught by savages to be honest with you. So everybody
Speaker 1: was a dollar sign and I didn't care who you were.
Speaker 1: My thing is how much money can I make off
Speaker 1: the deal um. But when the market started crashing, I
Speaker 1: didn't have the education in the background to understand what
Speaker 1: I was doing was actually wrong. Right, and karma has
Speaker 1: no expiration date. I lost everything going to crash. I
Speaker 1: lost property, I lost everything. I even lost my mentor
Speaker 1: right um. At one point of time, I wanted to
Speaker 1: kill myself because my existence at that time was tied
Speaker 1: to materialistic items. You know, you come from the hood,
Speaker 1: you don't have no money. Then you're making all this
Speaker 1: money buying cause you're buying bottles, you're going out, and
Speaker 1: then when you can't do it no more, it's like damn, Like,
Speaker 1: what the hell is going on? I'm a loser. Yeah,
Speaker 1: I'm a loser now, right. So when I lost everything,
Speaker 1: that was probably the best thing that ever happened to
Speaker 1: me because it made me sit down and kind of
Speaker 1: learn the business. So when I when I got my
Speaker 1: mind back right, I started learning about red line and
Speaker 1: I started learning about discriminating. I started learning like, damn,
Speaker 1: how could they even allow us to do these type
Speaker 1: of loans, especially to people that look like us, knowing damn, well,
Speaker 1: we don't even have the financial education. And I am
Speaker 1: a person sitting here originating these loans and I don't
Speaker 1: even have the education. I'm not even that qualified to
Speaker 1: give the loans that I was given, right. Um. So
Speaker 1: that's what really made me say, you know what, I
Speaker 1: gotta do this business different. I gotta learn how to
Speaker 1: deepen a relationship with the person. I gotta learn how
Speaker 1: to um value their needs because it's not about the
Speaker 1: money that I'm gonna make, It's about if I help
Speaker 1: you reach your goals, the money is going to come.
Speaker 1: So that's when I really started paying attention to the
Speaker 1: history and things of that nature and started realizing the
Speaker 1: wealth gap that our community has in real estate. And
Speaker 1: now that's why you guys, when I'm talking about now
Speaker 1: and stuff I was talking about ten years ago just
Speaker 1: to my client base of people who knew me, especially
Speaker 1: to black people, because now I'm dealing with people who
Speaker 1: are affluent. I used to work for Chase and I
Speaker 1: was on Wall Street, so I'm dealing with head funk
Speaker 1: guys and that's not a third And I'm seeing how
Speaker 1: they're structuring their loans and their business, and I see
Speaker 1: how my people come in. They're not thinking about having
Speaker 1: all these different trust and things of that nature. So
Speaker 1: I started taking the information I was learning on Wall
Speaker 1: Street and just passing it down to my people, and
Speaker 1: they still couldn't really understand what I was saying. What
Speaker 1: I still was like, I was talking about it. And
Speaker 1: now that's what you see me today is I preached,
Speaker 1: you know, generational wealth. I preached life insurance. I preached
Speaker 1: setting up trust, you know, making sure you're doing things
Speaker 1: the right thing, making sure you can afford the home,
Speaker 1: because it doesn't matter what the bank would give you.
Speaker 1: That eligibility for a loan doesn't mean ship if you
Speaker 1: can't afford to make those payments right. And that's very
Speaker 1: important because these banks will give you a loan, they
Speaker 1: don't care. They're waiting for you. They're waiting for your downfall.
Speaker 1: They're waiting for your downfall. So ultimately, at the end
Speaker 1: of the day, I want to preach affordable home ownership.
Speaker 1: I want people, if you're gonna go out here and
Speaker 1: you're gonna take that on, make sure you can pay it.
Speaker 1: Even if you buying rental properties. These tenants ain't guaranteed
Speaker 1: to pay you anything. You better make sure you have
Speaker 1: that money to pay the mortgage because these people want
Speaker 1: their money regardless of what you're going through. So the
Speaker 1: discrimination and in our um time that we've been on
Speaker 1: earth black people is just ridiculous, especially when it comes
Speaker 1: to lending like the red line, and I mean even
Speaker 1: look at the deeds back in the day. You know,
Speaker 1: in the sixties and the fifties and the sixties, and
Speaker 1: deeds were writing in that people of color couldn't buy
Speaker 1: in these areas, like and it was perfectly legal, like it.
Speaker 1: It's crazy once you start doing the history. So I'm
Speaker 1: ownership advocate. I tell my people, look, I'm gonna care
Speaker 1: if you rent, but you need to have a plan
Speaker 1: to go out there. And buy something. Because there's people
Speaker 1: that look like us that fought for us to get
Speaker 1: to the point to where we are today, to be
Speaker 1: about to go out here and own and buy. You know,
Speaker 1: in the fifties and sixties they couldn't do it as
Speaker 1: freely as we are. So why are we sitting here
Speaker 1: not pushing ourselves to go out here and own so
Speaker 1: and and that's that's beautiful, man, because a lot of
Speaker 1: people don't think that were a lot of people, like
Speaker 1: I said, a lot of people are skared. So what
Speaker 1: do you think are the two biggest mistakes that people
Speaker 1: make when they purchasing homes or trying to purchase the home.
Speaker 1: I think, first of all, mentally, they're not mature enough. Right,
Speaker 1: this is a responsibility, you know, owning a home. As
Speaker 1: quick as you get the home, you can lose it,
Speaker 1: you know. I think people only think about the mortgage payment.
Speaker 1: But you've got utility bills, you know, you got you
Speaker 1: got maintenance of the house. How you got daycare if
Speaker 1: you have kids, you know, and it takes a certain
Speaker 1: level a maturity to pay your bills on time. Maintenance
Speaker 1: of the house. Lord Jesus, it's not it's crazy, it's crazy.
Speaker 1: It's always breaking this. We were just talking earlier about
Speaker 1: the stairs and a hole over here, and then extermination
Speaker 1: because during certain seasons the water bugs get in and
Speaker 1: then it's a lot that happens, and you have to
Speaker 1: be mature to handle that stuff right, and your mind
Speaker 1: has to be right, and there's a lot of people
Speaker 1: out here that's immature. So the first step is I'll
Speaker 1: always tell people you have to make sure that you're
Speaker 1: mentally prepared for home ownership because if you're not, that
Speaker 1: ship can ruin your whole appetite of even wanting to
Speaker 1: own a home. So number one, get your mom right.
Speaker 1: Number two always credit. You have to have your credit right.
Speaker 1: If your credit ain't ain't right, you're not going to
Speaker 1: get anything. And if you are able to get something,
Speaker 1: you're gonna get the worst interest rates, you're gonna get
Speaker 1: the worst terms, and it's going to be more expensive
Speaker 1: for you. And number three, as a bonus, my song,
Speaker 1: I would tell you need to have some money right,
Speaker 1: just like to make it just said. Something's happening, something's breaking,
Speaker 1: you need to be able to pay for and then
Speaker 1: you can't just always rely on credit cards because now
Speaker 1: you're falling into that matrix, that that that debt matrix
Speaker 1: where you're never going to get out of that cycle
Speaker 1: if you're always swiping. And it's good to swipe to
Speaker 1: get your points and everything like that, but you need
Speaker 1: to have that capital, that cash to pay that thing
Speaker 1: off right away so that way you're not sitting here
Speaker 1: falling behind the eight ball. So those will probably be
Speaker 1: the most three important things that I would tell people.
Speaker 1: Mind rite credit money right, and then the world is yours. Well,
Speaker 1: when you think about when people think about mortgages and
Speaker 1: buying property, they automatically think of houses, grass on the
Speaker 1: outside driveway. But there's also condos, right, There's there are
Speaker 1: other things that you might meet. Because I don't know
Speaker 1: if I would if today I had to go out
Speaker 1: and buy something. I'm not sure that I would buy houses.
Speaker 1: I think I would buy and I'm talking about for
Speaker 1: me to physically live in. I live in a house now,
Speaker 1: but I'm saying if I was moving, I probably would
Speaker 1: want to go somewhere and buy a condo that I
Speaker 1: don't have all the responsibility of the grounds. So and
Speaker 1: I know my parents did the same thing for them,
Speaker 1: like they just didn't want that responsibility, so they chose
Speaker 1: to go in in the route of the apartment. So
Speaker 1: is that something that you also suggest for people who
Speaker 1: might not be mentally or financially ready for the responsibility
Speaker 1: of the grounds to keep their grounds. Yeah. I tell
Speaker 1: everybody you have to do what's right, what's best for you.
Speaker 1: You only know what you can handle and what you
Speaker 1: can't handle. And owning a single family property is just
Speaker 1: not for everybody. How even owning investment properties or multi families,
Speaker 1: it is not for everybody. Not everybody is meant to
Speaker 1: be a landlord, you know what I'm saying, And it
Speaker 1: takes you gotta be cut from a certain cloth to
Speaker 1: be able to deal with tenants and property managers and
Speaker 1: things of that nature. So I'm not one of these people.
Speaker 1: If you look on the internet, especially in the real
Speaker 1: estate space, a lot of people will condemn you buying
Speaker 1: a single family home or buying a condo. Me personally,
Speaker 1: I say, Black people just need to go buy something,
Speaker 1: you know what I'm saying. Fifty percent of our community
Speaker 1: is renters. So I don't care if you're buying a condo.
Speaker 1: I don't care if you buying a single family a
Speaker 1: multi multi family. Make sure you understand your terms that
Speaker 1: you're getting yourself involved and make sure you can afford
Speaker 1: it no matter what property type that you're purchasing, because
Speaker 1: we want to sustain the home ownership. We don't want
Speaker 1: to just have it for a year or two and
Speaker 1: then year three you're struggling. You live in paycheck to
Speaker 1: paycheck and it's not good for you. So I'm all
Speaker 1: for it. Like, you know what you want to make,
Speaker 1: So why not go get a condo ship, get the
Speaker 1: with the amenities, with the everything that you need is
Speaker 1: all built in, so you're good. Why not? But just
Speaker 1: be smart, Just be smart about it, because you know
Speaker 1: it's easy to be. That's the other thing people don't realize.
Speaker 1: You buy it and then they're still fees. What is
Speaker 1: it called your assessment? Yeah? Yeah, maintenance, maintenance feeling. Yeah,
Speaker 1: those those maintenance fees and h o A fees, They
Speaker 1: those things add up. Like even for just talking about fees, right,
Speaker 1: You've got to think about your property taxes and your
Speaker 1: homeowners insurance too. That goes up annually. As homes are appreciating,
Speaker 1: your property taxes are going to go out. And what
Speaker 1: I try to tell people is, hey, when you your
Speaker 1: mortgage payment today, You might be in a thirty year
Speaker 1: fixed rate and your principal interest payment may not change,
Speaker 1: but your escrow payment, which is your taxes and insurance,
Speaker 1: that will change annually. So if your houses are appreciating,
Speaker 1: guess what the town is going to assess reassess your
Speaker 1: house every year, and they're gonna raise your taxes because
Speaker 1: that's how they make money, right, and that's going to
Speaker 1: drive your payment up. Your homeowners insurance. These insurance companies
Speaker 1: could be kind of crooking a little bit. They will
Speaker 1: raise your insurance two thousand, three thousand dollars after year one,
Speaker 1: and you're like, what the hell you raise my insurance for?
Speaker 1: So you have to be mindful and pay attention to
Speaker 1: these things. Although the bank might be managing the aiming
Speaker 1: of it, you have to make sure that you are
Speaker 1: paying attention because you can always fire the insurance company
Speaker 1: and go get a new insurance company to keep your
Speaker 1: payment low, but your property taxes you can't. So all
Speaker 1: these fees you have to take in consideration when you
Speaker 1: get into home ownership. Thanks so um this entrepreneurship mortgage loan?
Speaker 1: How does that work? And do you think it's a
Speaker 1: good thing? Yeah? So the entrepreneur loans. There's different variations
Speaker 1: of it, but the most popular is when you use
Speaker 1: your bank statements UM to qualify. You use those deposits
Speaker 1: over the past twelve months versus using your tax returns
Speaker 1: by going with like a traditional conventional UM mortgage. So
Speaker 1: it's a good program. I originate that program to a
Speaker 1: lot of entrepreneurs because let's face it, the tax code
Speaker 1: is built for business owners right and most business owners
Speaker 1: are not even if they make a gross a million dollars,
Speaker 1: they're not going to show their net is a million
Speaker 1: dollars because who wants to pay taxes on a million dollars.
Speaker 1: You're gonna show as little as possible to keep your
Speaker 1: tax built down. But when you do that, you now
Speaker 1: are public pros possibly disqualifying yourself from going traditional route
Speaker 1: where you can get a cheaper interest rate. So these
Speaker 1: entrepreneurs serve a purpose and the need for those entrepreneurs
Speaker 1: who are taking full advantage of the tax code to
Speaker 1: still go out there and buy real estate. What you
Speaker 1: have to understand it's going to come at a higher
Speaker 1: interest rate than the traditional So like right now today
Speaker 1: the conventional mortgages is right around six six and a
Speaker 1: quarter um percent, where this entrepreneur loan might be seven
Speaker 1: seven and a half on a thirty year fix. But
Speaker 1: the entrepreneur who's making money, who's doing what they have
Speaker 1: to do, that might be more advantageous for them to
Speaker 1: go that route because it still might be cheaper payment
Speaker 1: wise versus dumb paying two three, four hundred thousand taxes
Speaker 1: just depending on how much income they've grown in. So
Speaker 1: it's a great product, and UM, I encourage entrepreneurs and
Speaker 1: business owners to content to look into all the options
Speaker 1: that are available because most think they can't buy home,
Speaker 1: and you can. There's a lot of business owners out
Speaker 1: head taken full advantage of these programs. Mhmm. Thanks for
Speaker 1: you know, there's a lot of entrepreneurs that I'm glad
Speaker 1: you asked that question because I'm sure they are entrepreneurs
Speaker 1: who that's gonna be really important to them because, as
Speaker 1: you said, most people they think they have to wait
Speaker 1: three years and file their taxes and have a certain
Speaker 1: number and do all of these things. I didn't even
Speaker 1: know you could use your bank statements um as a
Speaker 1: way to apply and yeah, it's a higher interest rate,
Speaker 1: but you can refinance at a later period when you
Speaker 1: may have the necessary documentation from a tax perspective, right, absolutely,
Speaker 1: So what I tell everybody is this, it's a quick
Speaker 1: little hack that I try to tell people. Right, if
Speaker 1: you are entrepreneur, you've been in business for five years,
Speaker 1: unless just say you use your bank statements just to
Speaker 1: as your entrepreneur loan with the bank statement program to
Speaker 1: get into the house and you get a seven and
Speaker 1: a high percent. Let's just say, for example, now you
Speaker 1: make sure you file your taxes the right way, so
Speaker 1: that way when you're able to refinance, if you um
Speaker 1: have five years in business, then conventional loans will only
Speaker 1: require one year tax returns and we won't go back
Speaker 1: two or three years. So you can now use that
Speaker 1: fresh new tax return that's showing all the income and
Speaker 1: all the years that you were kind of deducting everything.
Speaker 1: We won't even use that. So now when you use
Speaker 1: the entrepreneur loan, because everything, you have to have an
Speaker 1: exit strategy. Right. You can't go into something thinking I'm
Speaker 1: gonna be here and this is I'm staying comfortable. No,
Speaker 1: you have to have a plan of action. So what
Speaker 1: I try to do accept my clients up for the
Speaker 1: purchase and then the refinance to get out of it,
Speaker 1: so now you can save money and get down to
Speaker 1: the market rate. So that's a quick tip for any
Speaker 1: entrepreneurs that's gonna watch this. If you use this entrepreneur loan,
Speaker 1: make sure that same calendar year when you go file
Speaker 1: your taxes, make sure you file it the right way
Speaker 1: so that way you you might and you're gonna have
Speaker 1: to pay some taxes, right, and there's nothing wrong with
Speaker 1: paying Uncle Sam right pay those taxes because now you're
Speaker 1: going to be able to leverage that tax return to refinance.
Speaker 1: But also you can still now leverage that tax return
Speaker 1: to buy more real estate and invest and get the
Speaker 1: cheapest money that's available on the market. And that's what
Speaker 1: we're going with a conventional mortgage. So it just really
Speaker 1: depends on what that person goes on and what they're
Speaker 1: really trying to accomplish in real estate. So we we
Speaker 1: have to wrap up um, and I know also we
Speaker 1: need to let you get back to your business. But
Speaker 1: one thing I want to make sure we say in
Speaker 1: this spot is that it's important for people to express
Speaker 1: their plan to everybody they work with, because I at
Speaker 1: one point my banker, I had one set of conversations
Speaker 1: over there, and then something else with the accountant, and
Speaker 1: something else with you know, different individuals, and since people
Speaker 1: didn't understand my plan, and I felt like at one
Speaker 1: point I felt like I work for these folks right,
Speaker 1: Like they're too busy to listen to me, and I
Speaker 1: need to talk quick and harry up and get things done.
Speaker 1: And then when I learned that, wait a minute, they're
Speaker 1: here for my benefit, then I was able to explain
Speaker 1: to everyone working around me, even the credit specialists that
Speaker 1: helped me get my credit straight. Shout out to Quincy
Speaker 1: from Credit Concepts with my son's friend that when I
Speaker 1: first met him, I was like, I don't know about
Speaker 1: this my son, and he's like, now he's good people.
Speaker 1: And now you know, my whole family has worked with
Speaker 1: Quincy UM. And you know now that everybody understands what
Speaker 1: I'm trying to do, we're on the right track. From
Speaker 1: my credit cards, with my banking, with my banker, she
Speaker 1: understands what we're trying to do, you know. So so
Speaker 1: it's just important for people to have the right conversations
Speaker 1: and express to people what your goals are so that
Speaker 1: a plan, a collective plan, can happen. I want to
Speaker 1: shift real quick, because we gotta make sure that we
Speaker 1: get your take on our topic. Um. You know, obviously
Speaker 1: everyone has been really upset about not just PMP rock,
Speaker 1: which is hard, horrible, a horrible, horrible, horrible situation young man. Um.
Speaker 1: And you know, for the last few days, between my
Speaker 1: son and my own child and other men, even my dad,
Speaker 1: who's a seventy five year old man, there's been such
Speaker 1: a level of I don't know, just depression, feeling of defeat.
Speaker 1: I can't really speak for you all, but I could
Speaker 1: see it the pain, uh, that that is that rest
Speaker 1: in this young man losing his life. UM. And you know,
Speaker 1: my son says something to me the other day, he said, Mom,
Speaker 1: when I opened social media, I get depressed, you know,
Speaker 1: because it's just so much, so many people dying. Um.
Speaker 1: And it is not just him. We've been taking hit
Speaker 1: after hit after hit after hit with artists. You know.
Speaker 1: I was mentioning to my son that the athletes, we
Speaker 1: keep seeing people dying over there. Then in the community,
Speaker 1: you've got everything from police violence to regular violence to
Speaker 1: we're watching videos of women getting beat. It's us a
Speaker 1: lot going on, right And I TMZ asked me, do
Speaker 1: I think that rappers are in danger, And I said,
Speaker 1: I think black people are in danger. I think black
Speaker 1: men have always been an endangered species. And I talked
Speaker 1: about our economic condition and if we don't figure out
Speaker 1: how to make sure we get resources into the least
Speaker 1: of these hands, we're going to continue to see what's
Speaker 1: happening now, the PM B Rock situation and worse. It's
Speaker 1: not to say that I don't understand jealousy and all.
Speaker 1: We got all of that, but even all of that
Speaker 1: comes from something. It's the root of another issue. Because
Speaker 1: most of people we know they got a job, they're
Speaker 1: making they they're making money, they're doing what they need
Speaker 1: to do. They're able to take care of their families.
Speaker 1: They're not just around shooting and killing people. So the question,
Speaker 1: that's the topic we've been talking about today, and we
Speaker 1: just want to get your take, like how do you
Speaker 1: see your role and and do you feel like what
Speaker 1: you do at be gay. If more of us get
Speaker 1: on board with it, it will help us to address
Speaker 1: some of the violence and other issues that we see
Speaker 1: in our community. Yeah, I mean, first man, rest in
Speaker 1: peace to paymb Rock. I mean, that's just a terrible incident.
Speaker 1: You're gonna get waffles with your girl, and you know
Speaker 1: you lose your life's um it's pretty sad man, and
Speaker 1: it's um to have and have nots. You know that
Speaker 1: that spread is widening right now, especially in the black community.
Speaker 1: And I think what we do is extremely important because
Speaker 1: you know, no one was talking about stocks, real estate,
Speaker 1: you know, these things, financial literacy, business ownership, credit. You know,
Speaker 1: twenty years ago when I first came in this business,
Speaker 1: especially in our community, these wasn't topics of conversations in
Speaker 1: the hood, you know. And in my hood, we were
Speaker 1: talking about going out. You know, we were talking about
Speaker 1: buying throwback jerseys. You see what I'm saying. Um, So
Speaker 1: I think us what we do is extremely important because
Speaker 1: now it shows people there's another way to make money.
Speaker 1: You don't have to go rob somebody if you have
Speaker 1: that entrepreneur spirit. Because let's face it, most of these
Speaker 1: people who are doing these crimes, they have an entrepreneur spirit.
Speaker 1: They're just using that to something different, the wrong way.
Speaker 1: And if you now show them the way of Hay
Speaker 1: instead of you going out here robbing somebody, you can
Speaker 1: take two hundred dollars and put it into the stock
Speaker 1: market and learn how to trade and make money. Yes,
Speaker 1: it's not going to be quick and fast like you're
Speaker 1: doing some crimes, but it's something that's legal and it
Speaker 1: can grow and sustaining stuff over time. So we do
Speaker 1: our best to try to talk to the youth. Um,
Speaker 1: we we give them, you know, a lot of free information.
Speaker 1: We let them into our private communities because we don't
Speaker 1: want to see our young brothers and sisters continue to
Speaker 1: go down this route. We want them to excel because
Speaker 1: it's there our future, right and if if they're killing everybody, um,
Speaker 1: we're not going to have a future as black people, right.
Speaker 1: So what we do is very important, especially when it
Speaker 1: comes to home ownership. And this is why I put
Speaker 1: out so much content just to and try to encourage,
Speaker 1: you know, the teenagers. You know, I have two teenagers myself,
Speaker 1: and all I do is speak power into and they
Speaker 1: loved you by the way to make it, you know,
Speaker 1: so like your daughters too cool. She she was like high,
Speaker 1: but your son was like what's good? Yeah yeah, yeah,
Speaker 1: he was on it. But that's why I had them
Speaker 1: at invest Fest. I'm having them in the room, and
Speaker 1: that's portant important to right proximity, there's powering proximity and
Speaker 1: this is why I had my children at invest FST
Speaker 1: meeting people like yourself in the room, seeing black people
Speaker 1: that look like them, that are not athletes for the
Speaker 1: most part, and and things of that nature. They're out
Speaker 1: here business owners. They're running businesses legitimately and doing right
Speaker 1: by the community, and now I want them they're inspired
Speaker 1: to be entrepreneurs. So I would say, anybody out there
Speaker 1: who's watching this, if you know any young people you're
Speaker 1: doing anything good, bring them on as a free intern.
Speaker 1: You never know, that could probably change somebody's whole path
Speaker 1: in direction, I mean, your life. And we all have
Speaker 1: a responsibility to our youth to kind of try to
Speaker 1: bring them up. And that's why I love my son
Speaker 1: do it. He always calling calling them out right. Um,
Speaker 1: it's important because we need someone to speak up because
Speaker 1: we're all thinking the same thing. My son is just
Speaker 1: the one who's not scared to say it and say
Speaker 1: it with a very loud voice. So you know, I appreciate. No,
Speaker 1: it's it's needed. Man, he'd be outside talking talking, but
Speaker 1: he's talking to talk that needs because we're all thinking it, right.
Speaker 1: But ware, it's not all the time saying it or
Speaker 1: saying in the way that my son is saying is
Speaker 1: so I think what we're all doing is very important
Speaker 1: to try to change that trajectory. Unfortunately, these things will
Speaker 1: continue to happen. I think until we get gun laws
Speaker 1: um kind of you know, situated in this country, these
Speaker 1: things will is Unfortunately, it's going to continue to happen. Well,
Speaker 1: first of all, I just want to say thank you
Speaker 1: for what it is that you do. Man Um is
Speaker 1: very much needed. It is um something that is evolving
Speaker 1: the culture. And I love watching you guys can tenuously
Speaker 1: push you know, y'all push the envelope, you know, like
Speaker 1: I have my role, like you said, you know, I
Speaker 1: know I've been in the streets and I've contributed to
Speaker 1: a lot of negativity in our communities. Right, And as
Speaker 1: you grow as a man, you evolved, then you realize
Speaker 1: and then you have to take ownership of that. Right.
Speaker 1: So when you see that same negativity being imposed in
Speaker 1: the community, you have to call it out. You have
Speaker 1: to be one of those people who speak from authority,
Speaker 1: who speak who is a credible messenger, who's been in
Speaker 1: those rooms, who has levels of notoriety in the streets,
Speaker 1: and you have to speak up against things that we
Speaker 1: know it's not right. So, you know, watching our our
Speaker 1: youth get killed every day, it bothers me watching our
Speaker 1: youth kill each other, you know, because actually you're just
Speaker 1: killing yourself. You know. We we got we at war
Speaker 1: and so many different fronts, and when we're taking the
Speaker 1: time to kill our own soldiers, then we definitely can't
Speaker 1: win the war. So you know, just keep on empowering us,
Speaker 1: keep educating us, keep giving us that knowledge that we need.
Speaker 1: You know, hopefully will make a billion dollars like you.
Speaker 1: You know what I'm saying. You know, that's the goal,
Speaker 1: and we'll be financially stable, in generational wealth. Man, So
Speaker 1: just keep doing what you're doing. We appreciate you. We
Speaker 1: we want to be I got more, way more questions,
Speaker 1: but we'll do this another day. Man, We got to
Speaker 1: have a lot more sit downs with you. Man, Keep
Speaker 1: doing what you're doing. We appreciate you. Thanks for gracing
Speaker 1: us with your presence. Yes, yes, thanks for joining us
Speaker 1: three politicians. Brother for having me. Y'all, keep up the
Speaker 1: good work and whatever I can do to help um
Speaker 1: any one of y'all. I'm here for y'all. Thank y'all,
Speaker 1: Thank you. Man. I just need a loan. But whatever
Speaker 1: you whatever you need, man, we got it. We got
Speaker 1: we got money to land. Baby. There you go what
Speaker 1: I'm talking about, MG mortgage gotta telling where to follow
Speaker 1: you tell me where they can find you. All right,
Speaker 1: so y'all can tap in with me, m MG the
Speaker 1: Mortgage Guy. All platforms, Twitter, YouTube, Um, Instagram, techtok Um.
Speaker 1: Ranton James is my real estate podcast, which is actually
Speaker 1: the number one real estate podcast and a black and
Speaker 1: our community shout out to me, Keana Watson. Um. You
Speaker 1: can watch us every Wednesday eight pm easn Standard time
Speaker 1: on Angelicia's YouTube channel and on all podcasts audio outlets.
Speaker 1: So it's free game. So come get all the free
Speaker 1: game that we're giving out and and learn about real
Speaker 1: estate and hopefully we'll see you guys at the closing table. Yes,
Speaker 1: you will appreciate you. Hi, guys, thank you another do
Speaker 1: MG Morris guy. You know he always stops it. He
Speaker 1: always has doke energy every time I see it. He
Speaker 1: always gives his warm energy. Is always he's been at something.
Speaker 1: It's very um. You like you say that X. It's
Speaker 1: asked x as as X I say that, you let
Speaker 1: me ask you, we ask yourself and actually like, Um,
Speaker 1: you know what I like about MG. He flows with
Speaker 1: when he talk, Like We've talked to people and I've
Speaker 1: had conversations with bolts, and it's like, I'm not sure
Speaker 1: that they're sure now some people because even me, when
Speaker 1: I'm speaking in certain foreigns, I have you know, like
Speaker 1: I especially if I get nervous or I feel like,
Speaker 1: you know, I might you know, I feel like somebody
Speaker 1: else might know more to me, and I'm trying to
Speaker 1: like listen and learn from them. And then somebody's like, oh,
Speaker 1: who you think to me? I'm like, I'm talk they
Speaker 1: know right, Like, so that happens when you get tongue
Speaker 1: twisted and whatnot. But I noticed. But but I like
Speaker 1: the fact that he's so confidently clear about every single
Speaker 1: points after nineteen years and you know, really investing in
Speaker 1: his know learning. He said he had to go through
Speaker 1: a lot, he lost everything for him to really sit
Speaker 1: and learn the business. That seems to be the story
Speaker 1: of so many successful people. And of course we focus
Speaker 1: on our people that at one point or another we
Speaker 1: lost everything. Um, we both have our own stories, individual stories.
Speaker 1: Mine is clearly not as dramatic as yours. Well you know,
Speaker 1: it's not as dramatic in that I didn't spend time
Speaker 1: in prison, but you can become a prisoner within your
Speaker 1: own right, like in your home to yourself. I was
Speaker 1: certainly a prisoner to um uh prescription drugs. So you know,
Speaker 1: all of us, it's like you go through these really
Speaker 1: typed almost like God has to humble and focus you
Speaker 1: on whatever, because sometimes I think we get caught up
Speaker 1: in what we think we're supposed to be doing, and
Speaker 1: we're we're supposed to be at the plan, that is
Speaker 1: our plan, and we lose sight of the fact that
Speaker 1: there was a plan already set forward for us, and
Speaker 1: that's the plan we need to focus on. They said
Speaker 1: all the time, you wouldn't regardla you're telling me plans,
Speaker 1: you know. You know the things that I believe or
Speaker 1: heartedly that every great thing woman or that I know
Speaker 1: has experienced some levels, you know, where they had to
Speaker 1: be by itself is separated from area, and he had
Speaker 1: to look within himselves to dig deep and get more
Speaker 1: of an understanding of them, you know. So you know
Speaker 1: his situation is different than my situation. You know, something
Speaker 1: you lose everything, you know, I unfortunately had to be
Speaker 1: behind bars mself to everything he was out here and
Speaker 1: most everything. So it is that mind state that you
Speaker 1: realized that damn everything I had has just been taken away.
Speaker 1: And then you got to say it, So what what
Speaker 1: am I willing to do? Am I just gonna say?
Speaker 1: That's what it is. I want to understand, you know,
Speaker 1: that's it. And he said you a person is not
Speaker 1: defined by where they are time to comfortable of controverts. Yeah, pain,
Speaker 1: pain is going to really define who was sout I
Speaker 1: like him. I like him, you know, you know, you
Speaker 1: know when I say I like somebody, I'm like, Okay,
Speaker 1: Now we can figure out how to integrate his voice
Speaker 1: more into what we do. Like I could see us
Speaker 1: touring and having him to be a speaker regularly because
Speaker 1: I think he resonates and you know, and you know,
Speaker 1: obviously we love we all our guys. Everybody's very very busy,
Speaker 1: um and I'm sure he's busy too. But twenty years later,
Speaker 1: there's got to be something about being community driven. I
Speaker 1: can tell, we can listen to you know, it coming
Speaker 1: from him that he's saying he wants to do more.
Speaker 1: So anyway, I think, you know, I think I think
Speaker 1: we talked about him being a mortgage guy. But then
Speaker 1: he starts on insurance because it all get all times together,
Speaker 1: the insurance trust. You got to know those things. If
Speaker 1: you sell a mortgage and you sell the houses and
Speaker 1: all that, then you don't have to be it things.
Speaker 1: Why do people Why don't people not understanding Listen? You can't,
Speaker 1: but you have to do. You have to do your research.
Speaker 1: You have to understand historical value and historical understanding of
Speaker 1: everything that you do. It just like even in music,
Speaker 1: I tell people all the time, you don't just pick
Speaker 1: up rap, you like you're studying there. People have been
Speaker 1: doing this before. You've got to listen. You listen to
Speaker 1: different jazz, listen to blues, you listen to country, you
Speaker 1: listen to soul, and then you take those pieces and
Speaker 1: then you create your own with the pieces that's already
Speaker 1: been you know. So that's what he's He seems like
Speaker 1: a real student of the game. Shot out to him.
Speaker 1: Now that brings me to my idol And it's pretty
Speaker 1: much on course with our talk of the day. You know,
Speaker 1: once again, r I P to PNB rights really could
Speaker 1: really cool dude, And I was sister Jamila had introduced
Speaker 1: us and had us in schools and Jersey, and he
Speaker 1: was real hungble dude told me how he loved my
Speaker 1: work and you know, we said it was my words together.
Speaker 1: He was real, real down her, real cool dude. So
Speaker 1: you know that that's just a tragedy that closis life
Speaker 1: that way. But what I don't get, you know, and
Speaker 1: I was good all you dudes yesterday. Um, somehow people
Speaker 1: have taken the position that they want to blame this
Speaker 1: man's child's mother, girlfriend or whatever they classified them so
Speaker 1: because I don't really know the classification, but they blamed
Speaker 1: her for what happened based on a uh ig post
Speaker 1: that she put up. So she's the one that took
Speaker 1: the picture of the waffles. She took the picture of
Speaker 1: the waffle, and I guess it showed his vocation. And
Speaker 1: people are saying based on that's how the wroblem pretty
Speaker 1: much knew his the way he was or whatever. And
Speaker 1: nobody knows that, right uns them saying, And even if
Speaker 1: they did, I know that this wasn't something that she
Speaker 1: purposely did. And there are people who have conspiracy that said, oh,
Speaker 1: she's want the insurance money it goes to, and it's
Speaker 1: like it's so sad. It's so I could understand the
Speaker 1: trauma that this woman has to be done with to
Speaker 1: be at first, to lose someone you love in front
Speaker 1: of your face, right to watch some why do you
Speaker 1: love shotdown in front of your face, the father of
Speaker 1: your child shot down in front of your face. And
Speaker 1: then to go to this stupid ass social media and
Speaker 1: hear people blame you, like people who don't know you
Speaker 1: don't have any don't just literally on your blaming and
Speaker 1: this It's disgusting to me. I don't get it. I
Speaker 1: don't understand the mind state of people. For me, it's
Speaker 1: like the lady is dealing with enough Trump, Like, she's
Speaker 1: dealing with so much trouble that it doesn't even make
Speaker 1: sense to me that people put her through any more
Speaker 1: trouble to have to be blamed and have like she
Speaker 1: did something intentionally that caused well, you know, it's funny ironically,
Speaker 1: he and Jay, who is the wife of young dolf Um,
Speaker 1: mother of his children. She first of all went awful
Speaker 1: and and by the way, me as my friend. So
Speaker 1: it's it's funny because she's so does she speaks to
Speaker 1: talks and everything, but she's really pretty reserved and quiet
Speaker 1: and out the way. But she went off and called
Speaker 1: people all kinds of names. Behind that situation. She was
Speaker 1: saying that the people on the trolls on the internet
Speaker 1: are just as bad as the shooters. You're disgusting. You
Speaker 1: want to stress a person out who's already going through
Speaker 1: a lot, like you know. She she was saying a
Speaker 1: lot of a whole bunch of things. So I text
Speaker 1: her and I said, will tell us how you really feel, Mia,
Speaker 1: And I'm going to text thread with me and Jay
Speaker 1: uh Angela Simmons and the Cold Bell and the Cold
Speaker 1: Bell's wife of Sean Bell, Angela Simmons. We know the
Speaker 1: Simmons family, but Angela's son's father was murdered. And then
Speaker 1: of course me and Jay and and the four of
Speaker 1: us have been talking about how to um, you know,
Speaker 1: just support one another and others, you know, just a
Speaker 1: very informal text thread that we love and we pour into.
Speaker 1: And as I was saying, well, Mia, and I was
Speaker 1: it was funny to me that she was like kicking
Speaker 1: ass because she's you know, this is not really how
Speaker 1: she does publicly. And Nicole Bell said, Mia, are you okay?
Speaker 1: And it stopped me in my tracks because I bought it,
Speaker 1: you know, to be too for us to say these clowns,
Speaker 1: you know, and talk ship and Nicole stopped the conversation
Speaker 1: and said, Mia, are you okay? Because in that moment,
Speaker 1: the Coole knew that for her to go to such
Speaker 1: an extent, to speak publicly in that way, using profanity
Speaker 1: and everything, something triggered her, right, and she sent the
Speaker 1: screenshots of people saying that she's set up young dogs.
Speaker 1: You see what I'm saying. So it's just a sick
Speaker 1: It's really a sickness. The Internet is sick, and it's
Speaker 1: sad because I want to say it's trolls and it's
Speaker 1: people that's not even real, and then but then it
Speaker 1: be it'd be your own people, it's it's family members.
Speaker 1: They really do exist, and they had like, yo, for real,
Speaker 1: this is my thing. And I saw what Cardi says.
Speaker 1: She's like, first of all, I doubt anybody was watching
Speaker 1: on Instagram. But let's keep it about. Let's just say
Speaker 1: they were. Let's say they were all. What happens when
Speaker 1: you go live when you're in the club. Are you
Speaker 1: trying to set up your friends and family members? When
Speaker 1: you were in the club and you live when you
Speaker 1: posted that you went to this restaurant and that restaurant,
Speaker 1: and do this place in that place. People do that
Speaker 1: every day. This is not a new phenomenon, Like what
Speaker 1: are you talking about? And these are young people, by
Speaker 1: the way, so that's what they do. They take pictures,
Speaker 1: and they fool that. You said you should post it
Speaker 1: once you leave. But even I get caught sometimes I forget.
Speaker 1: I was at Brooklyn chop House the other night and
Speaker 1: I'm just waiting again. I was waiting for me and Jack.
Speaker 1: I was waiting for her and my family member Jessica,
Speaker 1: and I'm just sitting there and since I'm waiting, I'm
Speaker 1: just taking pictures, looking at the lighting, doing whatever I
Speaker 1: want to do, giving myself, you know, we're called entertaining myself.
Speaker 1: And before I know it, I posted the picture and
Speaker 1: tag where I was and didn't even think about, oh ship,
Speaker 1: I really need to leave, and I generally do it.
Speaker 1: Sometimes it just happens. In fact, I'm gonna tell you,
Speaker 1: my son, you could flip it on the head. It
Speaker 1: was to me, it's super This was actually probably a
Speaker 1: very uh innocent moment that they were just eating waffles
Speaker 1: and chicken, and she like, look at us, we just
Speaker 1: eating washers and chicken, probably not even thinking about the
Speaker 1: implication of the jury and the haters and this and
Speaker 1: all of the all this other stuff. Just waffles and chicken,
Speaker 1: just a moment, you know. So I'm just trying to
Speaker 1: figure out what's so different about that moment than when
Speaker 1: stay in the club with the bottles and everything and
Speaker 1: they live. I just think, I just think we just
Speaker 1: got to do better. I just think I think people
Speaker 1: have to take time. You know. Social media has given
Speaker 1: voices to people who actually don't serve voices, right, they
Speaker 1: give they make people's opinion better than don't matter, and
Speaker 1: then it puts things in other people's minds and now
Speaker 1: turns into a topic. Turns it's sad the fact that
Speaker 1: you know that black said she should kill uself. I'm like, really, wow,
Speaker 1: I don't even yeah, like really, I'm gonna look and
Speaker 1: find it. It's just really sometimes, like you know, sometimes
Speaker 1: we just gotta we just gotta people gotta tell you
Speaker 1: just gotta shut up if he says something you describe.
Speaker 1: I mean, I think I saw on one of these
Speaker 1: blat phones. I don't get ready finely for you, because
Speaker 1: I really want the problem is that we celebrate ignorance
Speaker 1: like that right, we push that, that's clickbait. That's gonna
Speaker 1: be on every site. People don't want to hear about it.
Speaker 1: And I saw people liking in that thing, and I'm like, wow,
Speaker 1: like I don't know, maybe I don't know. It's sad.
Speaker 1: It goes back to what we say black women need
Speaker 1: to disrespected. The text man women lost human in front
Speaker 1: of her eyes, in front of uh, she's been playing
Speaker 1: the people say you need to kill us. You know,
Speaker 1: we I just think that better. We have to do better.
Speaker 1: You know, we have to have grace, we have to
Speaker 1: have empathy. We gotta you gotta deal with each other
Speaker 1: with a different level of love, you know. So once again,
Speaker 1: my my condolescence goes out to her, her daughter, his family. Yeah,
Speaker 1: because it was called that black. It says that he
Speaker 1: he well, it says he appears to blame the girlfriend.
Speaker 1: He hasn't appeared to blame her. He specifically says, let
Speaker 1: me get to the quote that whole might as well
Speaker 1: kill herself. And that's just like, you know, like I
Speaker 1: don't know, and I mean we know called that black
Speaker 1: and who he is and the type of stuff that
Speaker 1: he said. So this is not like unusual, is it not.
Speaker 1: But what's what's sad? But if I wouldn't even post that,
Speaker 1: if I was whoever, that's that's that's what we are, right,
Speaker 1: that's and what happens What that does? It further, it
Speaker 1: does two things, right. It creates a rift between her
Speaker 1: and him. Loved ones people I love her feels the
Speaker 1: type of way what they said about him, right, It
Speaker 1: gets trolls to get on there and feed in and
Speaker 1: start to her. You never know, so it causes real
Speaker 1: situations and it's like your it's over. We're not even
Speaker 1: taking the time to really just mourn the young man.
Speaker 1: But this is my thing. She has to raise his daughter.
Speaker 1: Why don't we have anything in us that makes us say,
Speaker 1: let me sit back. I don't really know this for sure,
Speaker 1: so I might I'm not even going to say that
Speaker 1: because we don't. That's not That's not what the internet
Speaker 1: and it does. The internet makes your opinion a fact.
Speaker 1: People who don't even can barely read have opinions that
Speaker 1: turned into facts that they knew nothing about. It's sad,
Speaker 1: it's really really sad. But you know, I don't know.
Speaker 1: I just like I said, are you okay? That's that's
Speaker 1: what came That's what hit me to my core, like
Speaker 1: there's real people attached to these stories and these you know,
Speaker 1: people who are falling victims in our in our community,
Speaker 1: and I just I don't know. I mean, you know,
Speaker 1: I'm glad we've been talking about it the whole time,
Speaker 1: so we won't bet. It was a good show, dope show.
Speaker 1: Shout out to MG our guy Matthew Garland was dropping
Speaker 1: the jews, educating us about mortgage and things we need
Speaker 1: to know. Shout out to you're coming on the show.
Speaker 1: Do you know doing what you do regular the number
Speaker 1: one show, Number one? Listen. That's why people are like, oh,
Speaker 1: they're already number one, so we don't need to know.
Speaker 1: You've got to download it because we number one. People
Speaker 1: want to download the number on the show. Make sure
Speaker 1: you go with the download. Let us know what you feel.
Speaker 1: If you love our show, if you hate that show,
Speaker 1: if you've got any ideas for topics that you want
Speaker 1: to hear, you got some people you want us to interview,
Speaker 1: let us know. We'll be happy to oblige. You know
Speaker 1: we're gonna we will. We will think about it. I
Speaker 1: will not you're the ball. I'm customer services. This is
Speaker 1: about customer service from customers always Yeah, that's what I thought,
Speaker 1: but not today anyway. Once again number one show in
Speaker 1: the world. Thank you for being with us. You could
Speaker 1: have been anywhere in the world, you're here with us today.
Speaker 1: I'm not gonna always be right to make It's not
Speaker 1: gonna always be wrong, but both always and I mean always,
Speaker 1: be authentic. Listen to Street Politicians on the Black Effect
Speaker 1: Network on I Heart Radio and catch us every single
Speaker 1: Wednesday for the video version of Street Politicians, or I
Speaker 1: Women Dot TV