1 00:00:00,200 --> 00:00:04,640 Speaker 1: Hey, ba fan, we have another how to throw back 2 00:00:04,640 --> 00:00:04,880 Speaker 1: for you. 3 00:00:05,040 --> 00:00:05,280 Speaker 2: Yep. 4 00:00:05,559 --> 00:00:08,080 Speaker 1: This week we are revisiting one of our most memorable 5 00:00:08,119 --> 00:00:11,959 Speaker 1: episodes with my brother from another mother. That's right, the one, 6 00:00:12,000 --> 00:00:15,240 Speaker 1: the only ash Cash. He is amazing. This is really 7 00:00:15,280 --> 00:00:16,760 Speaker 1: like I love him like I love him for real. 8 00:00:16,800 --> 00:00:19,560 Speaker 1: That's my friend friend. And he works his way up 9 00:00:19,600 --> 00:00:23,960 Speaker 1: from a bank teller to branch manager to ceover credit 10 00:00:24,040 --> 00:00:27,080 Speaker 1: union the youngest black man I think, the youngest general 11 00:00:27,360 --> 00:00:31,800 Speaker 1: to ever do that and in NYC. So in this episode, 12 00:00:31,840 --> 00:00:35,680 Speaker 1: he shares his very personal story discusses the key steps 13 00:00:35,720 --> 00:00:38,320 Speaker 1: he took to help his family get back on track. 14 00:00:38,720 --> 00:00:40,640 Speaker 1: Please check it out because this is just one of 15 00:00:40,720 --> 00:00:41,120 Speaker 1: my things. 16 00:00:41,159 --> 00:01:02,120 Speaker 3: Okay, hey, hey, hey, we're black, We're back. 17 00:01:02,400 --> 00:01:02,960 Speaker 4: We're brown. 18 00:01:03,680 --> 00:01:07,120 Speaker 5: Hey Mandy, what's up to little shaky on the dismount? 19 00:01:07,160 --> 00:01:07,360 Speaker 2: There? 20 00:01:07,640 --> 00:01:10,959 Speaker 4: I what's my order? What's my line? 21 00:01:11,120 --> 00:01:11,440 Speaker 1: Line? 22 00:01:11,920 --> 00:01:13,800 Speaker 5: Are we black? Are we back? Which one comes first? 23 00:01:14,480 --> 00:01:16,480 Speaker 4: I know, I don't know, and you know I got it. 24 00:01:16,480 --> 00:01:19,760 Speaker 4: It's okay. We're We're in here in Cheer. Have you been. 25 00:01:20,520 --> 00:01:24,400 Speaker 5: I've been great, you know, making making moves per usue 26 00:01:24,840 --> 00:01:27,880 Speaker 5: trying to wake up from the super Bowl. I'm still 27 00:01:27,880 --> 00:01:30,679 Speaker 5: like half asleep because it was the boringest event in 28 00:01:30,720 --> 00:01:33,840 Speaker 5: all of history. But you know, it's nice to have snacks. 29 00:01:34,800 --> 00:01:36,640 Speaker 1: I didn't even honestly, I spent the day at like 30 00:01:36,680 --> 00:01:40,800 Speaker 1: my parents' house, helping well Superman put all the stuff together. 31 00:01:40,880 --> 00:01:42,440 Speaker 4: You know, your parents say, can you come fix this 32 00:01:42,520 --> 00:01:42,880 Speaker 4: one thing? 33 00:01:43,280 --> 00:01:46,720 Speaker 1: Three hours later, the whole house is done. 34 00:01:47,080 --> 00:01:50,320 Speaker 5: And this is why I moved States, because this is 35 00:01:50,360 --> 00:01:52,080 Speaker 5: my brother, is the one that my dad calls. 36 00:01:52,600 --> 00:01:52,880 Speaker 2: Yeah. 37 00:01:53,440 --> 00:01:55,400 Speaker 1: I just like yeah, I mean, I mean he didn't mind, 38 00:01:55,440 --> 00:01:57,160 Speaker 1: which is nice, you know. But still I was like, 39 00:01:57,200 --> 00:01:58,840 Speaker 1: I told my mom, I'm like, just the door, Mommy, 40 00:01:58,960 --> 00:02:02,480 Speaker 1: just the door. She looks me like, girl, bye, I'm 41 00:02:02,480 --> 00:02:04,160 Speaker 1: not even speaking to you. You don't even do anything. 42 00:02:04,160 --> 00:02:08,079 Speaker 4: I'm speaking to your husband. So he said he loved it. 43 00:02:08,080 --> 00:02:10,080 Speaker 1: He was his mom passed away when his twenty, so 44 00:02:10,120 --> 00:02:11,639 Speaker 1: he's like, you know, your parents are my parents. 45 00:02:11,680 --> 00:02:14,760 Speaker 4: So I was like, oh, nice, you're. 46 00:02:14,600 --> 00:02:16,799 Speaker 5: A great one. Like your husband's nicer than you are. 47 00:02:16,960 --> 00:02:18,799 Speaker 4: I know, because I was sure, like she'll just get 48 00:02:18,840 --> 00:02:24,400 Speaker 4: this door, don and have to wait if you say so. No, 49 00:02:24,520 --> 00:02:25,240 Speaker 4: But it was awesome. 50 00:02:25,520 --> 00:02:29,200 Speaker 1: But I'm super excited speaking about good men. I'm excited 51 00:02:29,200 --> 00:02:31,880 Speaker 1: because we've got an awesome guest today, correct though. 52 00:02:32,080 --> 00:02:35,200 Speaker 5: Yeah, I've actually you we both kind of known Ash Cash, 53 00:02:35,360 --> 00:02:37,680 Speaker 5: the man that met the legend going on a few 54 00:02:37,720 --> 00:02:39,560 Speaker 5: years now. When did you first meet Ash? What's your 55 00:02:39,600 --> 00:02:40,160 Speaker 5: Ash story? 56 00:02:40,560 --> 00:02:42,560 Speaker 1: You know, I don't even remember, you know, I feel 57 00:02:42,600 --> 00:02:44,799 Speaker 1: like I've always known Ash, you know what I mean, 58 00:02:45,360 --> 00:02:48,839 Speaker 1: just like I can never not remember. Honestly, I'm like, well, Ash, 59 00:02:48,840 --> 00:02:50,920 Speaker 1: if you remember like I don't, Honestly, I don't know 60 00:02:50,960 --> 00:02:52,960 Speaker 1: for a fin con I don't. 61 00:02:52,760 --> 00:02:56,480 Speaker 6: Know before you don't remember it was? I remember, I 62 00:02:56,520 --> 00:03:00,400 Speaker 6: remember this. I remember it was uh who what year 63 00:03:00,520 --> 00:03:06,160 Speaker 6: was this? It had to be two thousand. I forget 64 00:03:06,200 --> 00:03:07,000 Speaker 6: what year it was. 65 00:03:08,680 --> 00:03:13,079 Speaker 5: Memory, but it was all right, wow, you have a 66 00:03:13,160 --> 00:03:17,120 Speaker 5: great memory. 67 00:03:15,000 --> 00:03:22,400 Speaker 2: At last year, I'm the last, the worst, you know. 68 00:03:22,440 --> 00:03:23,799 Speaker 4: I wasn't even that think call last year. 69 00:03:23,880 --> 00:03:27,240 Speaker 1: But anyway, if you don't know who we're speaking to 70 00:03:27,639 --> 00:03:31,239 Speaker 1: and of Ashcash is a personal finance expert. He's a 71 00:03:31,280 --> 00:03:36,520 Speaker 1: speaker radio TV. But honestly, he's like really like my 72 00:03:36,560 --> 00:03:40,640 Speaker 1: brother from another mother. He is super inspiring. He was 73 00:03:40,680 --> 00:03:43,800 Speaker 1: in the banking industry for about a decade, worked his 74 00:03:43,880 --> 00:03:48,920 Speaker 1: way up from a teller to a manager and then 75 00:03:49,560 --> 00:03:51,560 Speaker 1: was the CEO. What is it when you're when you're 76 00:03:51,600 --> 00:03:53,680 Speaker 1: basically won a credit union president. 77 00:03:54,240 --> 00:03:55,760 Speaker 2: Yeah, I was the CEO of a credit union. 78 00:03:55,840 --> 00:03:56,000 Speaker 3: Yeah. 79 00:03:56,040 --> 00:04:01,880 Speaker 1: That incredible, you know, incredible And just recently he so 80 00:04:02,120 --> 00:04:04,200 Speaker 1: just like me. I well, I ended up losing my 81 00:04:04,280 --> 00:04:07,360 Speaker 1: home during the Great Recession, and Ash was on the 82 00:04:07,480 --> 00:04:09,920 Speaker 1: verge of that. But there was a program he used 83 00:04:09,920 --> 00:04:12,640 Speaker 1: that helped him save his home, and recently he sold 84 00:04:12,640 --> 00:04:16,400 Speaker 1: at home for a huge windfall. So that's what we've 85 00:04:16,400 --> 00:04:19,559 Speaker 1: been to talk about today. So we're just really happy 86 00:04:19,600 --> 00:04:22,080 Speaker 1: to have him. You'll you'll know his tagline is mind 87 00:04:22,120 --> 00:04:24,800 Speaker 1: right money right or mind right life right. I mean, 88 00:04:24,839 --> 00:04:26,440 Speaker 1: but mind right is kind of like how it's like 89 00:04:26,480 --> 00:04:28,600 Speaker 1: my live Richard. So thank you for joining us. 90 00:04:29,040 --> 00:04:31,400 Speaker 6: Thank you so much for having me. You know, well 91 00:04:31,440 --> 00:04:33,440 Speaker 6: we always connect. It's always great energy. 92 00:04:33,960 --> 00:04:36,919 Speaker 2: And Mandy has been on my radio show and she 93 00:04:37,000 --> 00:04:37,839 Speaker 2: has great energy. 94 00:04:38,720 --> 00:04:42,640 Speaker 5: Cheater Mandy, I didn't know that first of all, you 95 00:04:42,720 --> 00:04:45,320 Speaker 5: knew that. I think we were supposed to be on 96 00:04:45,320 --> 00:04:48,520 Speaker 5: it together. But whatever, uh, we won't go into your 97 00:04:48,520 --> 00:04:49,040 Speaker 5: bad memory. 98 00:04:49,200 --> 00:04:51,920 Speaker 2: And and that's why I wasn't gonna say anything. But 99 00:04:52,000 --> 00:04:55,040 Speaker 2: it was Tiff was supposed to be on this as well. 100 00:04:56,560 --> 00:04:58,680 Speaker 2: Last held it down. 101 00:04:58,839 --> 00:05:03,160 Speaker 5: You know, we're here, we're here to mend fences. We're 102 00:05:03,200 --> 00:05:06,480 Speaker 5: not trying to dig up. Let's focus on the man himself. 103 00:05:06,520 --> 00:05:09,120 Speaker 5: So Ash, I mean, I think you have so much 104 00:05:09,120 --> 00:05:10,800 Speaker 5: going on. I mean, TIF didn't even mention the fact 105 00:05:10,800 --> 00:05:12,080 Speaker 5: that how many books have you written? 106 00:05:12,360 --> 00:05:15,599 Speaker 2: Seven? Ten? Seven books? Yep, seven, I'm at number seven. 107 00:05:15,640 --> 00:05:18,479 Speaker 5: Now, well, forget all that for a second, because beyond 108 00:05:18,520 --> 00:05:21,640 Speaker 5: your financial expertise, I'm just mostly interested in your personal 109 00:05:21,680 --> 00:05:24,560 Speaker 5: story and your real estate experience. So take us back 110 00:05:24,600 --> 00:05:27,159 Speaker 5: to when you and your wife first decided to buy 111 00:05:27,160 --> 00:05:29,320 Speaker 5: a home. It was in New York, right in the Bronx. 112 00:05:29,720 --> 00:05:33,960 Speaker 2: Yeah, New York in the Bronx, the Wakefield area. Who 113 00:05:34,000 --> 00:05:34,920 Speaker 2: we were, we were young. 114 00:05:35,040 --> 00:05:38,120 Speaker 6: So it's it's funny because my wife and I have 115 00:05:38,240 --> 00:05:43,920 Speaker 6: been together for fifteen years, married for eleven and when 116 00:05:43,920 --> 00:05:46,880 Speaker 6: we first met, you know, we met at work actually, 117 00:05:46,960 --> 00:05:49,400 Speaker 6: so my you know, I worked at Chase. 118 00:05:50,120 --> 00:05:51,640 Speaker 2: I was a banker at the time. She was a 119 00:05:51,720 --> 00:05:52,880 Speaker 2: teller and. 120 00:05:52,839 --> 00:05:55,159 Speaker 6: We and we you know, we met, we dated for 121 00:05:55,200 --> 00:05:56,960 Speaker 6: about I mean, we knew each other for about two 122 00:05:57,040 --> 00:06:00,000 Speaker 6: years before we started dating. And so as we started 123 00:06:00,120 --> 00:06:02,880 Speaker 6: to date, we were thinking about I want to say, 124 00:06:02,920 --> 00:06:04,719 Speaker 6: we were together like four or five years or four 125 00:06:04,800 --> 00:06:08,680 Speaker 6: years and then we had the news that we were 126 00:06:08,680 --> 00:06:12,680 Speaker 6: gonna have my daughter. And so at the time, you know, 127 00:06:12,720 --> 00:06:15,159 Speaker 6: we had planned this big wedding. We were gonna go 128 00:06:15,320 --> 00:06:17,960 Speaker 6: to uh, We're gonna have a destination wedding. We would 129 00:06:18,000 --> 00:06:20,760 Speaker 6: get married in Jamaica and all this stuff. And my wife, 130 00:06:21,360 --> 00:06:25,040 Speaker 6: you know, feash out to her, being financially savvy, said 131 00:06:25,360 --> 00:06:27,000 Speaker 6: you know, why are we gonna spend all of this 132 00:06:27,160 --> 00:06:29,120 Speaker 6: money to entertain other people? 133 00:06:29,640 --> 00:06:29,880 Speaker 2: You know? 134 00:06:29,960 --> 00:06:32,760 Speaker 6: And see she jokingly said, you know what, how about 135 00:06:32,760 --> 00:06:34,520 Speaker 6: we just take all this money that we were gonna 136 00:06:34,680 --> 00:06:37,880 Speaker 6: pay for this wedding, Let's buy a house and if 137 00:06:37,880 --> 00:06:40,279 Speaker 6: we last ten years, then we'll have the wedding after 138 00:06:40,320 --> 00:06:42,760 Speaker 6: the ten years. And you know, I said, oh, that 139 00:06:42,800 --> 00:06:46,120 Speaker 6: sounds like a great idea. And so we like literally, uh, 140 00:06:46,240 --> 00:06:48,320 Speaker 6: we were we were. She was twenty four, I was 141 00:06:48,360 --> 00:06:52,760 Speaker 6: twenty five. We bought our first home and we you know, 142 00:06:52,839 --> 00:06:56,719 Speaker 6: we we bought the house in the Bronx uh Wakefield area. Uh. 143 00:06:56,760 --> 00:06:59,400 Speaker 2: You know again, I was. I was already a banker. 144 00:06:59,400 --> 00:07:02,320 Speaker 6: I was already in banking and so financially that just 145 00:07:02,360 --> 00:07:05,000 Speaker 6: made sense for me. And instead of buying a home 146 00:07:05,120 --> 00:07:07,920 Speaker 6: that was just a single parent a single family home, 147 00:07:07,960 --> 00:07:11,320 Speaker 6: we bought a two family home, you know, thinking that 148 00:07:11,360 --> 00:07:14,680 Speaker 6: we can either you know, rent it out or you know, 149 00:07:14,800 --> 00:07:17,000 Speaker 6: have you know, maybe you know, you know, at the time, 150 00:07:17,640 --> 00:07:19,520 Speaker 6: her mother lived in the Bronx, so we were thinking 151 00:07:19,520 --> 00:07:22,400 Speaker 6: about maybe you know having you know, my uh my 152 00:07:22,400 --> 00:07:24,200 Speaker 6: mother in law lived with us so that she could 153 00:07:24,200 --> 00:07:26,880 Speaker 6: help take care of the baby. And so that's what 154 00:07:26,920 --> 00:07:28,520 Speaker 6: that's what we wound up doing. And so we bought 155 00:07:28,520 --> 00:07:33,000 Speaker 6: the home, i want to say, two thousand and seven and. 156 00:07:32,960 --> 00:07:36,720 Speaker 5: Good timing, good time, a way to spend money then. 157 00:07:37,120 --> 00:07:39,920 Speaker 6: Yeah, yeah, exactly, and at the height though, right, so 158 00:07:40,000 --> 00:07:42,520 Speaker 6: this is right when you know, you know, the real 159 00:07:42,640 --> 00:07:46,920 Speaker 6: estate bubble, you know, you know, everything was pricey, and 160 00:07:47,000 --> 00:07:48,360 Speaker 6: so you know, we bought the house. 161 00:07:48,400 --> 00:07:53,320 Speaker 2: Then how much was it? It was four five at. 162 00:07:53,160 --> 00:07:56,640 Speaker 6: The time, Okay, so four hundred and twenty five thousand 163 00:07:56,640 --> 00:08:01,880 Speaker 6: dollars for two family home in the Bronx and man 164 00:08:01,960 --> 00:08:05,360 Speaker 6: to two thousand and eight hit two thousand to die 165 00:08:05,960 --> 00:08:09,080 Speaker 6: and we lost a lot of you know, we lost 166 00:08:09,600 --> 00:08:14,120 Speaker 6: a lot of value in the home. Like literally, you know, 167 00:08:14,200 --> 00:08:16,520 Speaker 6: the house was worth you know, four twenty five when 168 00:08:16,520 --> 00:08:19,360 Speaker 6: we bought it. By two thousand and nine, two years later, 169 00:08:19,720 --> 00:08:24,000 Speaker 6: the house was worth about two hundred and fifty thousand dollars. 170 00:08:23,800 --> 00:08:25,560 Speaker 5: And you had taken out a mortgage. So how much 171 00:08:25,600 --> 00:08:26,880 Speaker 5: mortgage did you have at the time. 172 00:08:27,360 --> 00:08:29,680 Speaker 6: So at the time, so we we took out we 173 00:08:29,760 --> 00:08:33,160 Speaker 6: used the FAHA loan, and so we had put down 174 00:08:34,559 --> 00:08:37,160 Speaker 6: you know, the I want to say, like ten percent 175 00:08:38,080 --> 00:08:39,720 Speaker 6: or maybe less than that. We I want to say, 176 00:08:39,720 --> 00:08:41,800 Speaker 6: we put it put down about twenty thousand, which is 177 00:08:41,840 --> 00:08:43,680 Speaker 6: less than ten percent, right, So we put it. We 178 00:08:43,679 --> 00:08:47,040 Speaker 6: put down at about like twenty twenty thousand. So you know, 179 00:08:47,120 --> 00:08:49,600 Speaker 6: our mortgage was was around like four hundred you know, 180 00:08:49,640 --> 00:08:53,400 Speaker 6: four hundred thousand for four oh seven somewhere along those lines. 181 00:08:53,400 --> 00:08:55,800 Speaker 2: I don't remember exactly the numbers, but it was it 182 00:08:55,840 --> 00:08:58,400 Speaker 2: was four hundred and some changes what our mortgage was. 183 00:08:59,440 --> 00:09:01,560 Speaker 6: And you know, and so so each you know, each 184 00:09:01,600 --> 00:09:04,400 Speaker 6: month we were we were paying a hefty penny, you know, 185 00:09:04,400 --> 00:09:08,160 Speaker 6: I want to say, close to twenty five hundred dollars. 186 00:09:07,880 --> 00:09:10,360 Speaker 2: If I if I'm not mistaken, was was our mortgage? 187 00:09:10,679 --> 00:09:12,760 Speaker 5: And yet your house is worth like one hundred and 188 00:09:12,800 --> 00:09:15,640 Speaker 5: fifty k lesson that then what we yep? 189 00:09:15,720 --> 00:09:17,000 Speaker 2: Then what we were paying? Yep? 190 00:09:18,000 --> 00:09:19,920 Speaker 4: Do you remember what your interest rate was back then 191 00:09:19,960 --> 00:09:20,720 Speaker 4: that you locked. 192 00:09:20,520 --> 00:09:25,640 Speaker 6: In so luckily, I want to say that I had 193 00:09:25,760 --> 00:09:29,199 Speaker 6: I was working at the bank, so I was at 194 00:09:29,200 --> 00:09:31,800 Speaker 6: the time that we bought the house, I was a 195 00:09:31,960 --> 00:09:33,160 Speaker 6: private banker. 196 00:09:33,200 --> 00:09:36,320 Speaker 2: Working at a Bank of America, and so I want 197 00:09:36,360 --> 00:09:39,560 Speaker 2: to say it was it might have been like five 198 00:09:39,679 --> 00:09:42,360 Speaker 2: six percent. So I'm like, that's somewhere along those lines. 199 00:09:42,640 --> 00:09:45,080 Speaker 1: Hey, bapam, We're going to take a quick break and 200 00:09:45,120 --> 00:09:46,480 Speaker 1: we'll be right back. 201 00:09:48,840 --> 00:09:51,080 Speaker 5: So what happened, I mean, what was the worst? What 202 00:09:51,280 --> 00:09:53,360 Speaker 5: was like the bottom for you guys when you realized 203 00:09:53,400 --> 00:09:55,839 Speaker 5: what in what terrible shape you were? And then how 204 00:09:55,840 --> 00:09:56,960 Speaker 5: did you bounce back? 205 00:09:57,200 --> 00:09:57,840 Speaker 2: What did you? Maam? 206 00:09:58,480 --> 00:10:03,120 Speaker 6: So so so right around I want to say two 207 00:10:03,200 --> 00:10:05,480 Speaker 6: thousand and nine, so I'm still working at the bank. 208 00:10:05,679 --> 00:10:07,440 Speaker 6: You know, we lose all this value in the home, 209 00:10:07,480 --> 00:10:09,640 Speaker 6: but you know, everything is all good. You know, we 210 00:10:10,240 --> 00:10:14,640 Speaker 6: still sort of like budget you know, budgeted for to 211 00:10:14,679 --> 00:10:16,920 Speaker 6: make the monthly payments, so we were still making the payments. 212 00:10:16,960 --> 00:10:20,319 Speaker 6: Everything was all good. Right around two thousand and nine, 213 00:10:21,040 --> 00:10:23,320 Speaker 6: I wrote my first book, Mind Right, Money Right, Tillos 214 00:10:23,320 --> 00:10:24,280 Speaker 6: of Financial Freedom. 215 00:10:25,120 --> 00:10:27,840 Speaker 2: And at the time I just kind of had. 216 00:10:27,640 --> 00:10:31,080 Speaker 6: This bug for entrepreneurship and to just kind of take 217 00:10:31,120 --> 00:10:32,480 Speaker 6: it back a little bit. You know, I grew up 218 00:10:32,520 --> 00:10:35,200 Speaker 6: in a single parent home. You know, I grew up 219 00:10:35,200 --> 00:10:37,480 Speaker 6: into projects in Harlem, Saint Nicholas projects, and so I 220 00:10:37,480 --> 00:10:40,920 Speaker 6: didn't really have any role models, anybody in business that 221 00:10:40,920 --> 00:10:43,439 Speaker 6: could teach me and know mentors or anything like that. 222 00:10:43,920 --> 00:10:45,679 Speaker 6: And so when I had, you know, I knew how 223 00:10:45,720 --> 00:10:48,560 Speaker 6: to passion to teach you to teach money. 224 00:10:48,600 --> 00:10:51,120 Speaker 2: And so you know, I you know, I wrote this book, 225 00:10:51,640 --> 00:10:52,520 Speaker 2: I started. 226 00:10:52,200 --> 00:10:55,800 Speaker 6: Doing speaking engagements, was traveling, was making some money, and 227 00:10:55,840 --> 00:10:57,679 Speaker 6: so I decided to take a leap of faith and 228 00:10:57,720 --> 00:11:00,720 Speaker 6: just leave my my my bank wasition and I was 229 00:11:00,720 --> 00:11:04,800 Speaker 6: making six figures at the time managing a branch, and 230 00:11:05,000 --> 00:11:07,400 Speaker 6: I you know, decided to jump out the window. I said, 231 00:11:07,400 --> 00:11:12,440 Speaker 6: you know, I'm passionate about I jumped out the window. 232 00:11:12,440 --> 00:11:14,920 Speaker 6: I was, uh, you know, I just. 233 00:11:15,040 --> 00:11:17,800 Speaker 2: Not literally no no, no, no, no, no, that was that's 234 00:11:17,840 --> 00:11:21,559 Speaker 2: a figuratively speaking you know, because that was happening. 235 00:11:21,679 --> 00:11:23,240 Speaker 5: I mean it was it was troubling time. 236 00:11:23,360 --> 00:11:25,079 Speaker 4: Yeah, it was troubling times. 237 00:11:25,000 --> 00:11:27,400 Speaker 6: Right, But but think about this though, even during that 238 00:11:27,440 --> 00:11:32,079 Speaker 6: troubling time, I quit my job, right, I Like, I said, 239 00:11:32,160 --> 00:11:35,360 Speaker 6: you know what, I have this passion for financial education, 240 00:11:35,559 --> 00:11:37,520 Speaker 6: and so you know, I want a tour. You know, 241 00:11:37,559 --> 00:11:40,439 Speaker 6: I was getting a good publicity. I was on you know, 242 00:11:40,520 --> 00:11:43,360 Speaker 6: Black Mprise. I was doing a lot of interviews, and 243 00:11:43,440 --> 00:11:46,199 Speaker 6: so at the time, I thought fame equals money. I said, whoa, 244 00:11:46,559 --> 00:11:49,160 Speaker 6: you know, people know me now, and so you know, 245 00:11:49,200 --> 00:11:51,120 Speaker 6: I'm gonna make money now, right, And so I just 246 00:11:51,160 --> 00:11:54,679 Speaker 6: prematurely decided to quit my job. And once I did that, 247 00:11:55,240 --> 00:11:57,720 Speaker 6: I was making some money as an entrepreneur, but I 248 00:11:57,760 --> 00:12:01,439 Speaker 6: wasn't making enough to manage everything. Wasn't making enough to 249 00:12:01,480 --> 00:12:04,440 Speaker 6: manage my bills, none of that stuff. And so you know, 250 00:12:05,240 --> 00:12:08,400 Speaker 6: things started to catch up, and you know, we couldn't 251 00:12:08,400 --> 00:12:11,920 Speaker 6: afford the mortgage anymore. And so you know, like I 252 00:12:12,000 --> 00:12:17,120 Speaker 6: literally remember it was like twenty and ten, twenty eleven ish. 253 00:12:17,160 --> 00:12:19,920 Speaker 6: In fact, if you if you look at my Facebook page, 254 00:12:20,320 --> 00:12:23,360 Speaker 6: you will see that I threw myself a retirement party 255 00:12:23,880 --> 00:12:27,480 Speaker 6: in twenty and ten because I retired from banking. I 256 00:12:27,600 --> 00:12:30,560 Speaker 6: was like, I'm retiring from banking. I'm gonna start this 257 00:12:30,600 --> 00:12:32,640 Speaker 6: new career. I was just I was just about to 258 00:12:32,640 --> 00:12:36,360 Speaker 6: turn thirty, So twenty ten, November twenty ten, it was 259 00:12:36,360 --> 00:12:39,840 Speaker 6: my thirtieth birthday, and and so I threw myself a 260 00:12:39,880 --> 00:12:43,600 Speaker 6: retirement party a thirtieth birthday retirement party. 261 00:12:43,640 --> 00:12:45,319 Speaker 2: That's how full of myself. 262 00:12:46,040 --> 00:12:48,520 Speaker 5: The universe was just like we're about to show. 263 00:12:49,160 --> 00:12:52,319 Speaker 1: Yeah, like we finished at you know what the state. 264 00:12:52,880 --> 00:12:54,679 Speaker 1: H I didn't realize that, but go ahead, yeah. 265 00:12:54,559 --> 00:12:57,240 Speaker 2: Yeah, you know, universe was like wait, hold on, hold on, watch, 266 00:12:58,120 --> 00:12:59,960 Speaker 2: watch let me show. Let me show this guy. Right. 267 00:13:00,800 --> 00:13:03,000 Speaker 6: And so yeah, shortly after, I want to say, you know, 268 00:13:03,320 --> 00:13:06,280 Speaker 6: uh uh not sure, but maybe like six six or 269 00:13:06,280 --> 00:13:09,839 Speaker 6: seven months afterwards, I started to realize that I wasn't 270 00:13:09,880 --> 00:13:13,040 Speaker 6: making as much money as an entrepreneur as as I 271 00:13:13,080 --> 00:13:17,040 Speaker 6: was in my nine to five. I didn't plan, you know, 272 00:13:17,200 --> 00:13:20,199 Speaker 6: I didn't plan accordingly. My mother in law was staying 273 00:13:20,200 --> 00:13:22,319 Speaker 6: with us at the time, and so you know, when 274 00:13:22,320 --> 00:13:25,760 Speaker 6: everything was going on, you know, we had to make 275 00:13:25,800 --> 00:13:26,400 Speaker 6: a decision. 276 00:13:26,480 --> 00:13:26,640 Speaker 2: Right. 277 00:13:26,679 --> 00:13:30,760 Speaker 6: We we had this mortgage that we couldn't afford. The 278 00:13:30,840 --> 00:13:34,360 Speaker 6: home was wasn't worth what we were paying, and so 279 00:13:34,559 --> 00:13:37,160 Speaker 6: we we were missing out on payments. They were gonna, 280 00:13:37,240 --> 00:13:40,400 Speaker 6: you know, put the house on foreclosure, and so we 281 00:13:40,400 --> 00:13:42,400 Speaker 6: we did, uh you know, we contacted the bank and 282 00:13:42,440 --> 00:13:45,360 Speaker 6: we did what's called a deed in lieu of foreclosure 283 00:13:45,760 --> 00:13:50,280 Speaker 6: where we put the home up for short sale and 284 00:13:50,320 --> 00:13:52,880 Speaker 6: so that that way if someone buys a home, then 285 00:13:52,920 --> 00:13:55,080 Speaker 6: we went and you know, we wouldn't have to have, 286 00:13:55,440 --> 00:13:57,760 Speaker 6: you know, anybody knocking on our door and you know, 287 00:13:57,840 --> 00:13:59,960 Speaker 6: come come in and take the house. In the most 288 00:14:00,040 --> 00:14:02,680 Speaker 6: embarrassing part of it was that I was still the 289 00:14:02,720 --> 00:14:04,079 Speaker 6: hottest I ever was though, right. 290 00:14:04,120 --> 00:14:06,400 Speaker 2: My book was still selling, I was still on radio, 291 00:14:06,400 --> 00:14:07,560 Speaker 2: I was still a television. 292 00:14:07,200 --> 00:14:09,080 Speaker 6: I was still doing all this stuff. But you know, 293 00:14:09,559 --> 00:14:13,240 Speaker 6: you know, in real life, you know, I'm struggling about 294 00:14:13,240 --> 00:14:15,480 Speaker 6: to lose my home. My neighbors are coming up to 295 00:14:15,559 --> 00:14:17,640 Speaker 6: me like gosh, what's going on, Why are you selling 296 00:14:17,640 --> 00:14:19,080 Speaker 6: the house? And what you know, and so it was 297 00:14:19,160 --> 00:14:23,200 Speaker 6: like not only the worst time that I had, but 298 00:14:23,320 --> 00:14:26,240 Speaker 6: also the most embarrassing but the most humbling, you know, 299 00:14:26,280 --> 00:14:29,560 Speaker 6: And I'm happy it happened because if you fast forward 300 00:14:30,360 --> 00:14:32,120 Speaker 6: during that time, I you know, I kind of like 301 00:14:32,160 --> 00:14:34,080 Speaker 6: I ate humble pie. I said, you know what, I 302 00:14:34,080 --> 00:14:35,960 Speaker 6: need to go back to work. And so, you know, 303 00:14:36,040 --> 00:14:38,920 Speaker 6: good thing. I had a great resume still, and so 304 00:14:39,280 --> 00:14:41,680 Speaker 6: you know, I decided that you know, why struggle, right, 305 00:14:41,760 --> 00:14:46,560 Speaker 6: why struggle unnecessarily decided to go back to work, and 306 00:14:46,600 --> 00:14:49,040 Speaker 6: so I, you know, got a got a branch manager 307 00:14:49,080 --> 00:14:51,880 Speaker 6: position at City Bank, uh, managing one of their branches 308 00:14:51,920 --> 00:14:56,120 Speaker 6: in Harlem, was making good money again, and so you know, 309 00:14:56,600 --> 00:14:59,600 Speaker 6: now I'm I'm living right like now we could afford 310 00:14:59,640 --> 00:15:03,280 Speaker 6: the more. But at the time, you know, fashed out. 311 00:15:03,280 --> 00:15:08,360 Speaker 6: The President Obama had the Making Home Affordable Program, and 312 00:15:08,400 --> 00:15:11,560 Speaker 6: so we you know, we're in short short sell we qualify, 313 00:15:12,280 --> 00:15:15,000 Speaker 6: and so we applied for it. And what what what 314 00:15:15,160 --> 00:15:18,520 Speaker 6: essentially what it did was anybody who had a mortgage 315 00:15:18,560 --> 00:15:22,000 Speaker 6: that was underwater, Uh, they would they would if you qualify, 316 00:15:22,120 --> 00:15:26,720 Speaker 6: they would recalibrate the loan so that you would now uh, 317 00:15:26,760 --> 00:15:28,200 Speaker 6: they would forgive you for the. 318 00:15:28,240 --> 00:15:29,280 Speaker 2: Excess amount, right. 319 00:15:29,400 --> 00:15:31,360 Speaker 6: And so you know, at the time, let's say, you know, 320 00:15:31,360 --> 00:15:34,800 Speaker 6: my mortgage was four hundred and seven thousand, got rid 321 00:15:34,880 --> 00:15:38,840 Speaker 6: of the excess, you know, one fifty and so now 322 00:15:38,920 --> 00:15:41,720 Speaker 6: you know, my mortgage is now two hundred and fifty thousand, 323 00:15:42,320 --> 00:15:45,040 Speaker 6: and so you know, you know, now I have a job, 324 00:15:45,280 --> 00:15:47,440 Speaker 6: you know, you know, making making money again. And so 325 00:15:47,560 --> 00:15:50,520 Speaker 6: my mortgage payment went went from close to three thousand 326 00:15:50,600 --> 00:15:53,880 Speaker 6: dollars to now like twelve hundred dollars or eleven hundred 327 00:15:53,880 --> 00:15:57,080 Speaker 6: something somewhere along those lines. And and the great thing 328 00:15:57,120 --> 00:16:00,440 Speaker 6: that happened with that was we had a two films house, 329 00:16:00,560 --> 00:16:02,720 Speaker 6: and you know, my mother in law was staying with us, 330 00:16:02,760 --> 00:16:06,160 Speaker 6: and so now once we went through the whole short 331 00:16:06,200 --> 00:16:08,120 Speaker 6: sell process, she decided to move out. 332 00:16:08,160 --> 00:16:10,960 Speaker 2: And so we also you know, now when the when 333 00:16:11,040 --> 00:16:11,760 Speaker 2: the home. 334 00:16:12,120 --> 00:16:15,800 Speaker 6: Was was was refinance or or when they when they 335 00:16:15,800 --> 00:16:18,680 Speaker 6: redid the loan. We're now paying a two hundred and 336 00:16:18,720 --> 00:16:22,320 Speaker 6: fifty thousand dollars loan. Plus we have an apartment downstairs 337 00:16:22,320 --> 00:16:24,720 Speaker 6: that we could rent out, and so it was a 338 00:16:24,760 --> 00:16:27,000 Speaker 6: double blessing, right, So now we were able to save 339 00:16:27,040 --> 00:16:27,400 Speaker 6: the home. 340 00:16:27,920 --> 00:16:29,120 Speaker 2: We could afford the mortgage. 341 00:16:29,160 --> 00:16:32,000 Speaker 6: But now we found a tenant, someone to live in 342 00:16:32,040 --> 00:16:34,320 Speaker 6: the home, and they were they were paying us eleven 343 00:16:34,400 --> 00:16:38,800 Speaker 6: hundred dollars in rent. And so you know, this this curse, right, 344 00:16:38,840 --> 00:16:41,600 Speaker 6: this thing that was almost the worst thing that could 345 00:16:41,640 --> 00:16:43,960 Speaker 6: have ever happened to us, wound up being a blessing 346 00:16:44,080 --> 00:16:48,120 Speaker 6: because our you know, out of pocket expense for the 347 00:16:48,200 --> 00:16:50,840 Speaker 6: mortgage was less than one hundred dollars one hundred and 348 00:16:50,840 --> 00:16:52,120 Speaker 6: two hundred dollars and that was it. 349 00:16:52,560 --> 00:16:53,560 Speaker 2: And so the money that. 350 00:16:53,480 --> 00:16:56,400 Speaker 6: We would have spent on uh or we would have 351 00:16:56,480 --> 00:16:59,440 Speaker 6: used on the mortgage, we're now able to save and 352 00:16:59,480 --> 00:17:01,880 Speaker 6: start to rebuild our account. 353 00:17:02,480 --> 00:17:04,159 Speaker 5: I mean, that's the key difference, the fact that you 354 00:17:04,200 --> 00:17:06,560 Speaker 5: guys had invested in a two family homes so you 355 00:17:06,600 --> 00:17:08,480 Speaker 5: had the ability to rent it. Because like, at the 356 00:17:08,480 --> 00:17:11,720 Speaker 5: same time home values were dropping, demand for rent was 357 00:17:11,760 --> 00:17:14,480 Speaker 5: going up. So shout out, let's pour one out for 358 00:17:14,560 --> 00:17:17,879 Speaker 5: the home Affordable Modification Plan, which was the program you 359 00:17:17,920 --> 00:17:20,480 Speaker 5: guys took advantage of. It's no longer offered, but let's 360 00:17:20,480 --> 00:17:22,960 Speaker 5: poor one out for it. Thank god, you guys took 361 00:17:22,960 --> 00:17:25,480 Speaker 5: advantage of it when you did, because that was, you know, 362 00:17:25,600 --> 00:17:26,560 Speaker 5: a huge game changer. 363 00:17:27,080 --> 00:17:28,399 Speaker 2: Yeah, no, absolutely, and it was. 364 00:17:28,480 --> 00:17:29,880 Speaker 6: It was it was like a you know, at first 365 00:17:29,880 --> 00:17:31,920 Speaker 6: we were like, man, this is too good to be true, 366 00:17:32,320 --> 00:17:35,399 Speaker 6: but no, we accepted the blessing. You know, you know, 367 00:17:35,400 --> 00:17:38,040 Speaker 6: I ate my humble pie learned from it and it 368 00:17:38,080 --> 00:17:41,680 Speaker 6: really made me appreciate or that's what opened my eyes 369 00:17:42,520 --> 00:17:45,920 Speaker 6: to you know, residual income and having your money work 370 00:17:46,000 --> 00:17:48,720 Speaker 6: for you because you know, again, you know, having that. 371 00:17:49,000 --> 00:17:51,480 Speaker 6: I mean, it wasn't really foresight, but you know, for us, 372 00:17:51,680 --> 00:17:52,920 Speaker 6: it was more about. 373 00:17:52,680 --> 00:17:53,400 Speaker 2: You know, babysitting. 374 00:17:53,400 --> 00:17:55,000 Speaker 6: We were like, all right, let's get this two family 375 00:17:55,040 --> 00:17:57,280 Speaker 6: house so you know, mother in law could stay with us, 376 00:17:57,320 --> 00:17:58,200 Speaker 6: could help us out. 377 00:17:58,200 --> 00:18:00,840 Speaker 2: When we need, you know, when we need babysitting. 378 00:18:01,280 --> 00:18:04,280 Speaker 6: But it actually wound up, you know, helping us because 379 00:18:04,280 --> 00:18:07,199 Speaker 6: that that extra that extra apartment, you know, allowed us 380 00:18:07,200 --> 00:18:10,359 Speaker 6: to create a source of a source of income. And 381 00:18:10,400 --> 00:18:13,240 Speaker 6: so now we weren't only relying on our physical labor, 382 00:18:13,480 --> 00:18:16,199 Speaker 6: but we were actually relying on you know, you know, 383 00:18:16,400 --> 00:18:19,320 Speaker 6: uh residual income through through rental payments. 384 00:18:20,920 --> 00:18:21,440 Speaker 2: That's awesome. 385 00:18:21,480 --> 00:18:23,600 Speaker 1: It's a way to turn something that could have been 386 00:18:23,760 --> 00:18:27,000 Speaker 1: like the worst possible thing into something that end up 387 00:18:27,000 --> 00:18:29,959 Speaker 1: being like a positive change for you and your family. 388 00:18:30,440 --> 00:18:32,200 Speaker 2: Absolutely absolutely, I. 389 00:18:32,119 --> 00:18:35,080 Speaker 5: Was gonna say, you've dodged this bullet. You've saved your home. 390 00:18:35,240 --> 00:18:37,240 Speaker 5: You guys are in good shape. You have rent you 391 00:18:37,280 --> 00:18:39,920 Speaker 5: have rental income coming in your mortgage, like you know, 392 00:18:40,400 --> 00:18:43,720 Speaker 5: your share of the mortgage is shrinking. You're back to 393 00:18:43,840 --> 00:18:47,520 Speaker 5: launching your own business. Can you talk about sort of 394 00:18:47,600 --> 00:18:51,240 Speaker 5: the the years following the loan modification when you were 395 00:18:51,240 --> 00:18:52,280 Speaker 5: getting back on your feet. 396 00:18:52,720 --> 00:18:55,960 Speaker 6: Yeah, absolutely so, so you know, through you know, after 397 00:18:56,040 --> 00:18:58,359 Speaker 6: that happened again, you know, you know, a couple of 398 00:18:58,359 --> 00:19:02,600 Speaker 6: things happened. Right first, I realize that the reason why 399 00:19:03,400 --> 00:19:05,480 Speaker 6: I needed the Humble myself was because I was making 400 00:19:05,520 --> 00:19:08,120 Speaker 6: it about me uh, when when when I when I came, 401 00:19:08,240 --> 00:19:11,720 Speaker 6: when I started to my journey of personal finance and 402 00:19:11,760 --> 00:19:15,359 Speaker 6: teaching about financial education, it felt good helping people, helping 403 00:19:15,359 --> 00:19:18,600 Speaker 6: people manage their money, helping people learn how to uh 404 00:19:18,680 --> 00:19:20,639 Speaker 6: you know, be better stewards of their money and change 405 00:19:20,640 --> 00:19:24,000 Speaker 6: their mindset. And but but the moment where I started 406 00:19:24,000 --> 00:19:27,000 Speaker 6: getting a little notoriety, getting a little fame, I started 407 00:19:27,040 --> 00:19:29,520 Speaker 6: making it about me, and that's when, you know, the 408 00:19:29,600 --> 00:19:32,480 Speaker 6: rug got pulled over from under my legs. But now 409 00:19:32,560 --> 00:19:34,720 Speaker 6: I realized my second go round, it was like, you 410 00:19:34,760 --> 00:19:37,040 Speaker 6: know what, this is not about you. Uh you know 411 00:19:37,160 --> 00:19:39,920 Speaker 6: now that you have this new added you know, humbleness, 412 00:19:39,960 --> 00:19:43,119 Speaker 6: but this, this story, this uh, this this obstacle that 413 00:19:43,160 --> 00:19:46,919 Speaker 6: you overcame. Now now you're able to use that to 414 00:19:47,040 --> 00:19:50,720 Speaker 6: help people even further. And full disclosure, Tiffany, you know 415 00:19:50,760 --> 00:19:53,480 Speaker 6: this already, but I'll but I'll say it again. You know, 416 00:19:53,520 --> 00:19:56,960 Speaker 6: it was actually Tiffany who gave me the courage to 417 00:19:57,480 --> 00:20:00,919 Speaker 6: even have a conversation about about this because for a 418 00:20:00,960 --> 00:20:02,840 Speaker 6: long time when I was you know, you know, I 419 00:20:03,200 --> 00:20:04,159 Speaker 6: never spoke about it. 420 00:20:04,400 --> 00:20:06,720 Speaker 2: You know, we're still doing my speak speaking engagements. 421 00:20:06,760 --> 00:20:09,280 Speaker 6: I was still going out there, you know, not pretending 422 00:20:09,320 --> 00:20:12,479 Speaker 6: that everything was okay. But I just was omitting the 423 00:20:12,520 --> 00:20:14,960 Speaker 6: fact that I, you know, that I understood where people 424 00:20:15,000 --> 00:20:18,360 Speaker 6: were coming from from a foreclosure perspective. And I remember 425 00:20:18,400 --> 00:20:21,280 Speaker 6: one time, just you know, listening to Tiffany you know, 426 00:20:21,359 --> 00:20:23,920 Speaker 6: on on a on a on a video chat, and 427 00:20:23,960 --> 00:20:26,480 Speaker 6: she started, you know, talking about how she was going 428 00:20:26,520 --> 00:20:28,440 Speaker 6: through foreclosure and you. 429 00:20:28,400 --> 00:20:30,439 Speaker 2: Know, lost her home. And I was like, way, I'm like, 430 00:20:30,640 --> 00:20:33,040 Speaker 2: I remember you hit me out, you know, like I 431 00:20:33,160 --> 00:20:33,520 Speaker 2: was like. 432 00:20:33,760 --> 00:20:37,760 Speaker 6: Yo, you the budgetnia, like how you how you stilling all. 433 00:20:37,680 --> 00:20:38,560 Speaker 2: The tea you know. 434 00:20:40,200 --> 00:20:43,760 Speaker 6: But but but I realized, you know, that transparency was 435 00:20:43,840 --> 00:20:47,840 Speaker 6: what uh what is what made people and continue to 436 00:20:47,880 --> 00:20:50,560 Speaker 6: make people fall in love with her and her message. 437 00:20:51,240 --> 00:20:53,040 Speaker 6: And so from that point on, I was like, you 438 00:20:53,040 --> 00:20:55,240 Speaker 6: know what, I'm actually gonna be more transparent. 439 00:20:55,640 --> 00:20:56,640 Speaker 2: Uh and and and the. 440 00:20:56,680 --> 00:20:59,640 Speaker 6: Honest truth was the moment I started to add that 441 00:20:59,720 --> 00:21:02,760 Speaker 6: as part of my story. It now sort of like, 442 00:21:03,119 --> 00:21:05,560 Speaker 6: you know, broke down a wall, right because before I 443 00:21:05,640 --> 00:21:08,040 Speaker 6: was going in there as you know, the guy who 444 00:21:08,400 --> 00:21:10,199 Speaker 6: you know grew up in the hood and you know, 445 00:21:10,320 --> 00:21:13,600 Speaker 6: started worked in banking and became a successful banker and 446 00:21:13,640 --> 00:21:15,240 Speaker 6: that was the end of the story. And now I'm 447 00:21:15,240 --> 00:21:17,000 Speaker 6: teaching you how to change, you know, how to get 448 00:21:17,000 --> 00:21:19,480 Speaker 6: out of your circumstance. But you know, now a story 449 00:21:20,160 --> 00:21:22,960 Speaker 6: shifted from this guy who grew up in the hood, 450 00:21:23,240 --> 00:21:27,199 Speaker 6: became a successful banker and then you know, ruined his credit, 451 00:21:27,320 --> 00:21:30,600 Speaker 6: ruined his uh you know, ruined his almost ruined his 452 00:21:30,680 --> 00:21:34,320 Speaker 6: life financial life by you know, by by not making 453 00:21:34,359 --> 00:21:38,199 Speaker 6: the right decisions. And so started sharing that story. You 454 00:21:38,240 --> 00:21:41,879 Speaker 6: know now that you know, we have the extra income, uh, 455 00:21:41,960 --> 00:21:44,560 Speaker 6: you know, from not having to pay a mortgage. You know, 456 00:21:44,600 --> 00:21:48,400 Speaker 6: we're saving more, we're investing more, we're you know, we're 457 00:21:48,640 --> 00:21:51,760 Speaker 6: buying other properties. Right and so now we are realizing 458 00:21:52,240 --> 00:21:54,760 Speaker 6: the power of real estate and so we you know, 459 00:21:54,800 --> 00:21:59,120 Speaker 6: we're buying you know, uh uh you know, income producing properties. 460 00:22:00,040 --> 00:22:02,320 Speaker 2: You know, my businesses is flourishing. 461 00:22:02,920 --> 00:22:05,920 Speaker 6: I'm writing books and so by that time, so two 462 00:22:05,920 --> 00:22:09,640 Speaker 6: thousand and nine, I wrote my first book. By twenty thirteen, 463 00:22:09,680 --> 00:22:12,359 Speaker 6: I want to say I had three books, which is uh, 464 00:22:12,480 --> 00:22:14,359 Speaker 6: you know, I had Tailors a Way, which is a 465 00:22:14,359 --> 00:22:17,159 Speaker 6: book I wrote with my daughter, life lessons Learned through 466 00:22:17,160 --> 00:22:18,800 Speaker 6: the eyes of a three year old. But then I 467 00:22:18,880 --> 00:22:22,119 Speaker 6: wrote What the Fight O, which was one of my 468 00:22:22,440 --> 00:22:24,240 Speaker 6: which is still one of my best selling books. 469 00:22:24,600 --> 00:22:26,720 Speaker 2: What the fight go. Twelve steps are repairing your credit. 470 00:22:27,480 --> 00:22:30,120 Speaker 6: And so from there my business just started to take 471 00:22:30,200 --> 00:22:32,639 Speaker 6: off in such a way where you know, I have 472 00:22:32,880 --> 00:22:36,960 Speaker 6: income coming from our primary residents because we're renting that out. 473 00:22:37,480 --> 00:22:39,639 Speaker 6: We had one more, you know, one other property. I 474 00:22:39,720 --> 00:22:42,880 Speaker 6: was a co op that we're getting income from we 475 00:22:42,960 --> 00:22:45,320 Speaker 6: have you know, my wife and I you know have 476 00:22:45,480 --> 00:22:49,320 Speaker 6: that We had our you know, my books were making money. 477 00:22:49,320 --> 00:22:52,240 Speaker 6: I was traveling from a speaking you know, making steady 478 00:22:52,280 --> 00:22:55,920 Speaker 6: income from speaking, and so I decided to take another 479 00:22:56,000 --> 00:22:59,119 Speaker 6: leap and decided, you know, after the credit union. 480 00:23:00,080 --> 00:23:01,720 Speaker 2: You know, it was a great opportunity. 481 00:23:01,760 --> 00:23:03,880 Speaker 6: I was, I want to say, one of the youngest 482 00:23:04,200 --> 00:23:07,359 Speaker 6: CEOs of a federally chartered bank at the time. I 483 00:23:07,400 --> 00:23:10,679 Speaker 6: was thirty two. Yeah, thirty two at the time. But 484 00:23:10,760 --> 00:23:14,360 Speaker 6: after that, decided to jump out the window again, not literally, 485 00:23:14,440 --> 00:23:17,639 Speaker 6: but you know, take a leap of faith and started 486 00:23:17,680 --> 00:23:19,960 Speaker 6: to started my business. And then you know, now was 487 00:23:20,040 --> 00:23:22,439 Speaker 6: it was uh, it was, it was. It worked, It 488 00:23:22,480 --> 00:23:23,159 Speaker 6: was more steady. 489 00:23:23,280 --> 00:23:23,440 Speaker 2: Right. 490 00:23:23,960 --> 00:23:25,680 Speaker 6: One of the things I want to point out for 491 00:23:25,680 --> 00:23:28,480 Speaker 6: for for everybody, for the listeners is that I believe 492 00:23:28,520 --> 00:23:31,879 Speaker 6: that the second time around, uh, the reason why it 493 00:23:32,080 --> 00:23:35,160 Speaker 6: was more successful, I was more successful as an entrepreneur 494 00:23:35,800 --> 00:23:37,560 Speaker 6: was because I took care of the basics. 495 00:23:38,520 --> 00:23:38,720 Speaker 2: You know. 496 00:23:39,000 --> 00:23:41,880 Speaker 6: The first time around, I was you know, I jumped 497 00:23:42,040 --> 00:23:44,120 Speaker 6: with a leap in a prayer, right, I didn't. 498 00:23:44,160 --> 00:23:45,960 Speaker 2: I didn't really properly plan. 499 00:23:46,520 --> 00:23:49,320 Speaker 6: I didn't have enough money saved up to take care 500 00:23:49,359 --> 00:23:52,240 Speaker 6: of my you know, my my, my, my basic necessities. 501 00:23:52,560 --> 00:23:55,200 Speaker 6: And so not being able to take care of basic 502 00:23:55,280 --> 00:23:59,280 Speaker 6: necessities had me, uh, you know, had me worrying. And 503 00:23:59,280 --> 00:24:02,439 Speaker 6: and that's space in my mind to I didn't have 504 00:24:02,520 --> 00:24:04,879 Speaker 6: enough space to flourish. I didn't have enough space to 505 00:24:05,000 --> 00:24:09,040 Speaker 6: be an entrepreneur and and and fully developed my business 506 00:24:09,040 --> 00:24:11,280 Speaker 6: the way I want to because I was worrying about 507 00:24:11,280 --> 00:24:13,760 Speaker 6: the basics. Uh, this time around, you know, I had 508 00:24:13,800 --> 00:24:16,679 Speaker 6: the basics covered right, My my shelter food, you know, 509 00:24:16,720 --> 00:24:18,560 Speaker 6: I knew how my daughter was gonna go to school. 510 00:24:18,800 --> 00:24:20,640 Speaker 2: You know, all the basics were covered. 511 00:24:21,080 --> 00:24:22,880 Speaker 6: And so now when I when I decided to become 512 00:24:22,920 --> 00:24:26,280 Speaker 6: an entrepreneur, it freed up so much space in my mind. 513 00:24:26,359 --> 00:24:26,479 Speaker 2: Right. 514 00:24:26,480 --> 00:24:29,080 Speaker 6: And that's why I always talk about mind right, money right, 515 00:24:29,119 --> 00:24:31,679 Speaker 6: mind right, life right. If your mind is right, it 516 00:24:31,760 --> 00:24:34,280 Speaker 6: allows you to do other things. And so yeah, I 517 00:24:34,600 --> 00:24:37,600 Speaker 6: you know, was was able to become a full. 518 00:24:37,440 --> 00:24:40,240 Speaker 2: Time entrepreneur, and you know have been been on that 519 00:24:40,320 --> 00:24:41,120 Speaker 2: journey ever since. 520 00:24:41,840 --> 00:24:43,960 Speaker 5: Well, let's take a quick break and then I want 521 00:24:43,960 --> 00:24:47,479 Speaker 5: to come back and hear about how one day you 522 00:24:47,520 --> 00:24:50,200 Speaker 5: had a fateful knock on the door of the house 523 00:24:50,240 --> 00:24:53,560 Speaker 5: that you say from foreclosure and decided to sell. We'll 524 00:24:53,560 --> 00:25:13,640 Speaker 5: take a quick break and come back with ash cash. 525 00:25:13,920 --> 00:25:14,960 Speaker 2: Wow. Ash. 526 00:25:15,040 --> 00:25:17,639 Speaker 1: This is the part that's really fascinating because it sounds 527 00:25:17,720 --> 00:25:19,840 Speaker 1: very Oprah esque. I don't know if you know, but 528 00:25:20,200 --> 00:25:24,240 Speaker 1: my auntie Oprah, when she bought her ranch in Montecito, 529 00:25:24,280 --> 00:25:28,440 Speaker 1: it's a California she that house was not for sale. 530 00:25:28,920 --> 00:25:31,480 Speaker 1: Oprah was like, yeah, cute, but I want it. And 531 00:25:31,600 --> 00:25:34,920 Speaker 1: so she knocked on the family's door, or I'm sure 532 00:25:34,960 --> 00:25:38,000 Speaker 1: her representatives did, and said, Oprah wants to fuy your house. 533 00:25:38,760 --> 00:25:42,679 Speaker 1: And they were of course like yes, because you know, 534 00:25:42,720 --> 00:25:44,840 Speaker 1: she made them an offer that they could not refuse. 535 00:25:44,920 --> 00:25:45,760 Speaker 4: And that happened to you. 536 00:25:45,840 --> 00:25:49,199 Speaker 1: It was not Oprah, but it was someone who was 537 00:25:49,240 --> 00:25:51,520 Speaker 1: willing to pay you a good amount of money. Tell 538 00:25:51,600 --> 00:25:53,440 Speaker 1: us about that day, man. 539 00:25:53,400 --> 00:25:56,880 Speaker 6: So you know, the the house continues to be continue 540 00:25:56,920 --> 00:25:59,600 Speaker 6: to be a blessing. You know, one day, you know, 541 00:25:59,640 --> 00:26:03,119 Speaker 6: I'm getting my daughter, you know, ready for school, and 542 00:26:03,160 --> 00:26:05,359 Speaker 6: we're on our way out and there's this guy, you know, 543 00:26:05,520 --> 00:26:09,399 Speaker 6: gone daughter door, knocking on people's door and he's, you know, 544 00:26:09,640 --> 00:26:13,040 Speaker 6: just introducing himself. And so as I'm about to leave 545 00:26:13,080 --> 00:26:14,960 Speaker 6: the house, I see him. He's walking up to me, 546 00:26:15,760 --> 00:26:17,560 Speaker 6: and so now you know, I you know, we we 547 00:26:17,720 --> 00:26:20,399 Speaker 6: we make eye contact. And the first thing, It's funny, 548 00:26:20,400 --> 00:26:23,000 Speaker 6: the first thing I saw was his suit. Right, He 549 00:26:23,040 --> 00:26:25,520 Speaker 6: had a nice suit on. It was you know, nice 550 00:26:25,520 --> 00:26:27,560 Speaker 6: and policy. And I was like, hey, that's a nice suit, brother, 551 00:26:27,880 --> 00:26:29,919 Speaker 6: and he was like, you know, thank you. And I 552 00:26:29,960 --> 00:26:35,119 Speaker 6: automatically thought that he was a politician, right, because you know, 553 00:26:35,160 --> 00:26:36,760 Speaker 6: in my neighborhood, it's a you know, it was a 554 00:26:36,800 --> 00:26:39,280 Speaker 6: middle class neighborhood. A lot of you know a lot 555 00:26:39,280 --> 00:26:42,920 Speaker 6: of politicians come over around election times, introduce themselves and 556 00:26:43,080 --> 00:26:45,600 Speaker 6: you know, ask us, you know, how things are going, 557 00:26:45,680 --> 00:26:48,240 Speaker 6: and you know, wanting our votes and stuff. And so, 558 00:26:48,640 --> 00:26:51,360 Speaker 6: you know, the gentleman said to me, he said, hey, uh, 559 00:26:51,440 --> 00:26:53,720 Speaker 6: if I can get you top dollar for your home, 560 00:26:53,760 --> 00:26:57,280 Speaker 6: would you sell? And you know, I looked and I 561 00:26:57,320 --> 00:27:00,520 Speaker 6: was like, nah, you know, we had no intention to selling, 562 00:27:00,600 --> 00:27:03,920 Speaker 6: no intentions of moving. And so we you know, I 563 00:27:04,080 --> 00:27:06,960 Speaker 6: you know, I politely declined, was like, nah, you know, 564 00:27:07,000 --> 00:27:09,160 Speaker 6: we're not thinking about you know, selling anything like that. 565 00:27:09,760 --> 00:27:10,600 Speaker 2: He gave me his card. 566 00:27:10,680 --> 00:27:12,000 Speaker 6: He said, if you ever, you know, if you know 567 00:27:12,040 --> 00:27:15,120 Speaker 6: anybody who's selling or anything like that, you know. 568 00:27:15,160 --> 00:27:17,879 Speaker 2: Definitely give me a call. I was like, perfect, we'll do. 569 00:27:18,359 --> 00:27:21,640 Speaker 6: Drop my daughter off the school, came back home, bump, 570 00:27:21,760 --> 00:27:23,880 Speaker 6: you know, saw my wife and I said, hey, baby, 571 00:27:23,960 --> 00:27:25,719 Speaker 6: let me you know, this guy just walked up. 572 00:27:26,280 --> 00:27:27,240 Speaker 2: He gave us this card. 573 00:27:27,280 --> 00:27:29,840 Speaker 6: He asked, you know, if we were interested in selling 574 00:27:29,840 --> 00:27:32,280 Speaker 6: the home, and so we both looked at each other 575 00:27:32,320 --> 00:27:34,359 Speaker 6: and we were like, you know what the house next 576 00:27:34,400 --> 00:27:37,679 Speaker 6: door was on you know, was was on sale I 577 00:27:37,760 --> 00:27:40,800 Speaker 6: want to say nine ten months and it never sold. 578 00:27:40,840 --> 00:27:43,000 Speaker 6: Like people would going there, people would look at the house, 579 00:27:43,040 --> 00:27:44,240 Speaker 6: but it never sold, never sold. 580 00:27:44,720 --> 00:27:46,320 Speaker 2: And we were like, man, this house is just price 581 00:27:46,400 --> 00:27:46,760 Speaker 2: too high. 582 00:27:46,840 --> 00:27:49,359 Speaker 6: I'm like, there's no way you know that they're going 583 00:27:49,440 --> 00:27:52,600 Speaker 6: to sell the house for what they wanted because it 584 00:27:52,720 --> 00:27:54,600 Speaker 6: was you know, it was also a two family, but 585 00:27:54,640 --> 00:27:56,960 Speaker 6: they didn't have an attic like we had an attic, right, 586 00:27:57,400 --> 00:27:59,840 Speaker 6: and so they only had you know, like two bedrooms down. 587 00:28:00,760 --> 00:28:03,080 Speaker 2: We had just put a you know, put some money. 588 00:28:02,800 --> 00:28:05,080 Speaker 6: Into the house, we had an attic, and because my 589 00:28:05,160 --> 00:28:07,719 Speaker 6: son was just born. My son is three now, but 590 00:28:07,760 --> 00:28:09,760 Speaker 6: he was you know, he was when he was like 591 00:28:09,840 --> 00:28:11,480 Speaker 6: one years old. We were like, you know what, we 592 00:28:11,520 --> 00:28:14,200 Speaker 6: need to start, uh, you know, making more room. And 593 00:28:14,240 --> 00:28:16,920 Speaker 6: so we took the attic and we redid the whole attict. 594 00:28:16,920 --> 00:28:20,240 Speaker 6: We put about thirty thousand dollars into the home. We 595 00:28:20,240 --> 00:28:24,280 Speaker 6: we created two new bedrooms upstairs. We created you know, 596 00:28:24,320 --> 00:28:26,800 Speaker 6: we we created it into a duplex, right, so it 597 00:28:26,880 --> 00:28:30,240 Speaker 6: went from being a two family home with a two bedroom, 598 00:28:30,560 --> 00:28:33,600 Speaker 6: one bath upstairs and a one bedroom, one bath downstairs, 599 00:28:33,800 --> 00:28:36,320 Speaker 6: and now we upgraded it to a four bedroom, one bath. 600 00:28:36,760 --> 00:28:38,360 Speaker 6: And so my wife and I said, you know what, 601 00:28:38,680 --> 00:28:40,840 Speaker 6: we should just put this house on the market to 602 00:28:40,920 --> 00:28:44,600 Speaker 6: see what happens, to see how much, you know, we'll 603 00:28:44,600 --> 00:28:47,440 Speaker 6: get offered for it, especially with this new addition that 604 00:28:47,480 --> 00:28:47,880 Speaker 6: we made. 605 00:28:48,480 --> 00:28:49,680 Speaker 2: So we put the house. 606 00:28:49,880 --> 00:28:52,520 Speaker 6: You know, you know, on on on on the market 607 00:28:52,560 --> 00:28:56,680 Speaker 6: and didn't really think anything was gonna happen. Within six days, 608 00:28:57,080 --> 00:28:59,800 Speaker 6: we got an offer for exactly. 609 00:28:59,480 --> 00:29:01,000 Speaker 2: What we were looking for. 610 00:29:01,520 --> 00:29:03,680 Speaker 6: And just to kind of you know, uh, you know, 611 00:29:03,760 --> 00:29:07,280 Speaker 6: give you give your perspective was that we uh, you know, 612 00:29:07,320 --> 00:29:10,120 Speaker 6: the house was was was was uh you know, uh 613 00:29:10,480 --> 00:29:13,920 Speaker 6: modified for two hundred and fifty thousand dollars. But throughout 614 00:29:13,960 --> 00:29:17,120 Speaker 6: the years our equity started to increase. Now and so 615 00:29:17,320 --> 00:29:19,920 Speaker 6: now the house was worth you know, in the four 616 00:29:20,000 --> 00:29:23,160 Speaker 6: hundred range. And then now because we added that addition, 617 00:29:23,440 --> 00:29:25,040 Speaker 6: we said, you know what, we're gonna sell the house 618 00:29:25,040 --> 00:29:29,280 Speaker 6: of four forty and then six days later we got 619 00:29:29,320 --> 00:29:32,880 Speaker 6: to offer for four hundred and forty thousand, exactly you 620 00:29:32,920 --> 00:29:35,959 Speaker 6: know what we asked for. And it was a blessing, 621 00:29:36,040 --> 00:29:38,120 Speaker 6: right because when you think about it, you know, we 622 00:29:38,200 --> 00:29:42,040 Speaker 6: had the loan modification, and so now the house was underwater, 623 00:29:42,080 --> 00:29:42,440 Speaker 6: and then. 624 00:29:42,360 --> 00:29:43,760 Speaker 2: Now we were we were made right. 625 00:29:44,160 --> 00:29:46,640 Speaker 6: But now you know, we're at a space where we're 626 00:29:46,640 --> 00:29:49,440 Speaker 6: looking at, you know, coming up with with you know, 627 00:29:49,720 --> 00:29:52,520 Speaker 6: a six figure check to sell, to sell this home, 628 00:29:52,880 --> 00:29:55,760 Speaker 6: pay off our mortgage, and you know, figure out what 629 00:29:55,800 --> 00:29:58,200 Speaker 6: we want to do if we decided to move. And 630 00:29:58,360 --> 00:29:59,880 Speaker 6: my wife, you know, my wife has family and this 631 00:30:00,080 --> 00:30:03,040 Speaker 6: South has always talked about, you know, you know, moving 632 00:30:03,080 --> 00:30:06,120 Speaker 6: down south, and so we said, you know what, maybe 633 00:30:06,120 --> 00:30:08,000 Speaker 6: we should we should kind of take a look at this, 634 00:30:08,080 --> 00:30:10,840 Speaker 6: maybe we should take this seriously. And we decided to 635 00:30:10,840 --> 00:30:13,120 Speaker 6: take a trip down to you know, it was two options. 636 00:30:13,440 --> 00:30:17,520 Speaker 6: We were either gonna you know, go to Atlanta or Charlotte. 637 00:30:17,800 --> 00:30:19,840 Speaker 6: And you know, you know, one of the great things 638 00:30:19,880 --> 00:30:23,480 Speaker 6: about being an entrepreneur and being at this space of 639 00:30:23,520 --> 00:30:26,640 Speaker 6: my life was that, you know, it didn't really matter, 640 00:30:27,120 --> 00:30:30,840 Speaker 6: you know, where I live, because majority of my income 641 00:30:31,000 --> 00:30:34,560 Speaker 6: was either from you know, working remotely doing you know, 642 00:30:34,600 --> 00:30:37,560 Speaker 6: writing articles, things of that nature. But then also I 643 00:30:37,640 --> 00:30:40,160 Speaker 6: travel a lot, you know, going you know, traveling throughout 644 00:30:40,160 --> 00:30:43,400 Speaker 6: the country. You know, I mainly speak at colleges, teaching 645 00:30:43,440 --> 00:30:46,360 Speaker 6: financial education, and so it didn't really matter, you know, 646 00:30:46,400 --> 00:30:49,360 Speaker 6: where I lived. And my wife is an HR consultant, 647 00:30:49,400 --> 00:30:51,520 Speaker 6: so she was working from home as well, and so 648 00:30:51,560 --> 00:30:54,160 Speaker 6: we were like, why are we paying all this money 649 00:30:54,160 --> 00:30:56,200 Speaker 6: in New York when we don't have to be here. 650 00:30:56,920 --> 00:31:00,200 Speaker 6: Long story short, we went to Atlanta, you know, the 651 00:31:00,240 --> 00:31:05,160 Speaker 6: week there was looking at the amount of square footage 652 00:31:05,160 --> 00:31:07,960 Speaker 6: we can get for less than with the house you know, 653 00:31:08,040 --> 00:31:10,880 Speaker 6: what we were paying in New York, and it was 654 00:31:10,880 --> 00:31:12,720 Speaker 6: sort of like a no brainer, and so we decided 655 00:31:12,760 --> 00:31:17,080 Speaker 6: to make the move. Not nothing planned. We literally we 656 00:31:17,160 --> 00:31:19,960 Speaker 6: sold the house in so so let me tell you 657 00:31:20,040 --> 00:31:24,479 Speaker 6: the timeline. We sold the house September twelfth, right, so, 658 00:31:24,520 --> 00:31:27,800 Speaker 6: September twelfth. We sold the house. September thirteenth, we're on 659 00:31:27,840 --> 00:31:32,080 Speaker 6: the road down to Atlanta. It was a thirteen hour trip. 660 00:31:32,120 --> 00:31:35,760 Speaker 6: We stopped one time, so we got down there September fourteenth. 661 00:31:36,040 --> 00:31:38,240 Speaker 6: We stayed in the airbnb as we were looking for 662 00:31:38,280 --> 00:31:41,920 Speaker 6: different homes. We closed on a new home in October. 663 00:31:42,000 --> 00:31:44,320 Speaker 6: So a month later we were closing a new home. 664 00:31:45,000 --> 00:31:46,440 Speaker 6: And now we're living. 665 00:31:47,000 --> 00:31:48,560 Speaker 2: We're living. We're living a good life. 666 00:31:48,720 --> 00:31:54,080 Speaker 5: I was gonna say that, but he's still very humble. Universe, 667 00:31:54,080 --> 00:31:54,640 Speaker 5: don't don't. 668 00:31:54,840 --> 00:31:58,480 Speaker 6: Yeah, yeah, yes, Universe, yes, Universe, you know, you know, 669 00:31:58,560 --> 00:31:59,920 Speaker 6: please write the work. 670 00:32:00,240 --> 00:32:01,760 Speaker 2: You know, I do put the people first. You know, 671 00:32:01,800 --> 00:32:03,040 Speaker 2: I still put the people first. 672 00:32:03,440 --> 00:32:05,960 Speaker 6: Uh but yeah, but but yeah, no, definitely living living 673 00:32:06,000 --> 00:32:08,560 Speaker 6: a great a great life in the in in the South. 674 00:32:10,320 --> 00:32:12,120 Speaker 4: Had you like, did you you didn't have any family 675 00:32:12,160 --> 00:32:12,680 Speaker 4: down there? 676 00:32:13,200 --> 00:32:17,800 Speaker 6: No, no family, you know, I had, you know, some connections, 677 00:32:17,840 --> 00:32:21,400 Speaker 6: you know, from the work I've done. You know, you know, 678 00:32:21,440 --> 00:32:23,560 Speaker 6: you can see your stats. And so Atlanta was my 679 00:32:23,920 --> 00:32:27,400 Speaker 6: second So New York, you know, obviously was my biggest market, 680 00:32:27,400 --> 00:32:30,040 Speaker 6: but but Atlanta was the second biggest market as far 681 00:32:30,080 --> 00:32:32,320 Speaker 6: as like followers and people who purchased you know, who 682 00:32:32,400 --> 00:32:34,720 Speaker 6: support my business. And so that was one of the 683 00:32:34,720 --> 00:32:36,880 Speaker 6: reasons why I wasn't reluctant. I was like, you know what, 684 00:32:37,000 --> 00:32:38,960 Speaker 6: I'll you know, I'll figure it out, you know. And 685 00:32:38,960 --> 00:32:41,040 Speaker 6: and I and I knew you know, uh, you know, 686 00:32:41,120 --> 00:32:44,880 Speaker 6: Atlanta is the real, the real Wakanda of the United States. 687 00:32:44,920 --> 00:32:45,040 Speaker 3: Right. 688 00:32:45,160 --> 00:32:47,640 Speaker 6: So like a lot of people, you know, a lot 689 00:32:47,680 --> 00:32:50,760 Speaker 6: of black and brown people are are you know, are 690 00:32:50,800 --> 00:32:53,800 Speaker 6: thriving in Atlanta. Uh, they work together and you know, 691 00:32:53,880 --> 00:32:56,040 Speaker 6: they work together. It's it's it's a lot of love. 692 00:32:56,880 --> 00:32:58,600 Speaker 6: And so that was one of the reasons I said, 693 00:32:58,600 --> 00:33:00,400 Speaker 6: you know what, let you know, it's I'm willing to 694 00:33:00,440 --> 00:33:02,800 Speaker 6: make that move. And and and so far it's been 695 00:33:02,840 --> 00:33:03,240 Speaker 6: working out. 696 00:33:04,240 --> 00:33:05,800 Speaker 5: We'll say hey to my hometown for me. 697 00:33:06,320 --> 00:33:08,840 Speaker 6: Hey, yeah, when I when I found out that you 698 00:33:08,920 --> 00:33:11,880 Speaker 6: were from the South, Man and and and Ann, you 699 00:33:12,000 --> 00:33:12,440 Speaker 6: in New York. 700 00:33:12,440 --> 00:33:13,720 Speaker 2: And I'm not gonna rub it in. You know, I'm 701 00:33:13,760 --> 00:33:17,920 Speaker 2: not not gonna do that. And god right right, man, 702 00:33:18,000 --> 00:33:19,479 Speaker 2: d I'm not gonna do that. I'm gonna rub it in. 703 00:33:19,560 --> 00:33:24,040 Speaker 6: But but you know what it's like, you know, like 704 00:33:24,160 --> 00:33:28,440 Speaker 6: you know that here is man, the cost of living 705 00:33:28,560 --> 00:33:29,160 Speaker 6: is awesome. 706 00:33:29,440 --> 00:33:33,280 Speaker 5: Whatever who needs in a two car garage. 707 00:33:33,320 --> 00:33:36,080 Speaker 2: Who needs that garage? 708 00:33:36,680 --> 00:33:39,400 Speaker 6: Like you know, like my like my my bath room 709 00:33:40,560 --> 00:33:42,880 Speaker 6: is the size of of my old apartment. 710 00:33:42,960 --> 00:33:43,680 Speaker 2: You know what I'm saying. 711 00:33:43,760 --> 00:33:46,239 Speaker 4: You know it's like the backyard. I mean, right, I mean, 712 00:33:46,320 --> 00:33:48,040 Speaker 4: can't be in the backyard do that? I really think 713 00:33:48,040 --> 00:33:49,200 Speaker 4: that's the overrated. 714 00:33:48,840 --> 00:33:50,880 Speaker 5: Who cares that your house is half as much as 715 00:33:50,880 --> 00:33:54,360 Speaker 5: mine and three times as big. I know, I made 716 00:33:54,400 --> 00:33:57,000 Speaker 5: my choices and I'm so happy with them. 717 00:33:57,680 --> 00:34:01,000 Speaker 6: But whatever, whenever, and you and if you want me 718 00:34:01,040 --> 00:34:03,480 Speaker 6: to have to talk, you know, you know I could. 719 00:34:03,520 --> 00:34:05,160 Speaker 6: I could talk to your husband and we could, you know, 720 00:34:05,200 --> 00:34:06,320 Speaker 6: we could kind of figure something out. 721 00:34:06,440 --> 00:34:08,239 Speaker 5: I'm saying because I've been saying I'm married to a 722 00:34:08,320 --> 00:34:09,759 Speaker 5: New York or he's not gonna move. 723 00:34:09,800 --> 00:34:10,760 Speaker 2: But look at you. 724 00:34:10,760 --> 00:34:11,960 Speaker 5: You're as New York as they come. 725 00:34:12,040 --> 00:34:13,759 Speaker 4: I mean as New York as they come. 726 00:34:14,120 --> 00:34:16,759 Speaker 6: All I'm born and raised one hundred twenty ninth Street, 727 00:34:16,800 --> 00:34:20,120 Speaker 6: eighth Avenue. Oh d I say I say all that. 728 00:34:20,200 --> 00:34:21,880 Speaker 6: You know what I'm saying, like like, yeah, I'm New 729 00:34:21,960 --> 00:34:24,480 Speaker 6: York as they come. But I think that you know, 730 00:34:24,560 --> 00:34:26,479 Speaker 6: and I'm I'm gonna tell you the secret. What what 731 00:34:26,680 --> 00:34:30,279 Speaker 6: you what you have to do is y'all gotta just 732 00:34:30,320 --> 00:34:32,640 Speaker 6: come down here. Just sneak, you know, just sneak down here, 733 00:34:32,800 --> 00:34:34,400 Speaker 6: just come visit your family. 734 00:34:34,480 --> 00:34:35,040 Speaker 2: Do something. 735 00:34:35,120 --> 00:34:37,640 Speaker 5: He got married down there that didn't work. But here's 736 00:34:37,640 --> 00:34:40,080 Speaker 5: what it comes down to. Here's the truth. Childcare. So 737 00:34:40,160 --> 00:34:42,799 Speaker 5: his mother is here and she you know, they're gonna 738 00:34:42,840 --> 00:34:44,879 Speaker 5: be the primary grandparents. So I think when you're having 739 00:34:45,000 --> 00:34:46,879 Speaker 5: it's like you you you and your wife stay close 740 00:34:46,920 --> 00:34:48,719 Speaker 5: to home when you had a kid, And I think 741 00:34:48,719 --> 00:34:50,960 Speaker 5: a lot of people, like young couples, are thinking the 742 00:34:50,960 --> 00:34:53,200 Speaker 5: same thing. So for me, it's I would save money 743 00:34:53,200 --> 00:34:54,960 Speaker 5: by moving to the A, But I'm not dropping my 744 00:34:55,040 --> 00:34:55,879 Speaker 5: kids off my dad's house. 745 00:34:55,880 --> 00:34:56,480 Speaker 2: Are you kidding me? 746 00:34:56,480 --> 00:34:59,799 Speaker 5: They're gonna die Like I'm trying to live up here. 747 00:35:00,120 --> 00:35:05,120 Speaker 5: They have you know, the Dominican grandmother. Well yeah, yes, 748 00:35:06,040 --> 00:35:08,200 Speaker 5: so I'm gonna save on childcare by staying here. But 749 00:35:08,520 --> 00:35:09,920 Speaker 5: I get you know, it's you know, you have to 750 00:35:09,960 --> 00:35:11,719 Speaker 5: balance those things. But you bring up a really good 751 00:35:11,760 --> 00:35:13,880 Speaker 5: point about the fact that a lot of people, if 752 00:35:13,920 --> 00:35:17,799 Speaker 5: you're working remotely, you can work from anywhere. And you know, 753 00:35:17,880 --> 00:35:19,920 Speaker 5: I'm not in that situation right now, but there's people 754 00:35:19,920 --> 00:35:23,279 Speaker 5: on my team who work remote and the opportunities are 755 00:35:23,640 --> 00:35:25,799 Speaker 5: are out there. For people who work remote. Especially in 756 00:35:25,840 --> 00:35:28,120 Speaker 5: this job market, I feel like a lot of employers 757 00:35:28,160 --> 00:35:32,520 Speaker 5: are having to bend their own traditions or rules to give, 758 00:35:32,960 --> 00:35:36,480 Speaker 5: you know, let people be independent, location independent because the 759 00:35:36,520 --> 00:35:38,920 Speaker 5: market is so hot and it's hard to find people 760 00:35:38,960 --> 00:35:39,760 Speaker 5: for jobs today. 761 00:35:40,480 --> 00:35:42,239 Speaker 2: Right, absolutely, I think that's a great point. 762 00:35:42,280 --> 00:35:45,160 Speaker 6: And then when you think about it, you know, you know, 763 00:35:45,560 --> 00:35:49,400 Speaker 6: the money that you have to command could be different 764 00:35:49,440 --> 00:35:52,759 Speaker 6: if you go to a place where the court, you know, 765 00:35:52,880 --> 00:35:55,319 Speaker 6: cost of living is lower. Right, so someone you know, 766 00:35:55,680 --> 00:35:59,440 Speaker 6: from an employer's perspective, you know, having that flexibility allowing 767 00:35:59,760 --> 00:36:03,640 Speaker 6: you know, employees to work remotely. But then also if 768 00:36:03,640 --> 00:36:06,759 Speaker 6: that employee understands, you know, you know, do I have 769 00:36:06,880 --> 00:36:10,040 Speaker 6: to be in in a in a major metropolitan city? 770 00:36:10,239 --> 00:36:13,080 Speaker 2: Do I have to spend you know this this money? 771 00:36:13,360 --> 00:36:14,000 Speaker 2: Uh to live? 772 00:36:14,160 --> 00:36:16,600 Speaker 6: And you know that that that also you know, allows 773 00:36:16,600 --> 00:36:17,719 Speaker 6: that flexibility as well. 774 00:36:17,840 --> 00:36:19,760 Speaker 4: If you can look back, I mean, is there anything 775 00:36:19,760 --> 00:36:21,960 Speaker 4: that you would change and do differently or you're like 776 00:36:22,000 --> 00:36:24,520 Speaker 4: that the end totally justify the means no. 777 00:36:24,760 --> 00:36:28,439 Speaker 6: And definitely justifies the means uh. The one the one 778 00:36:28,440 --> 00:36:31,439 Speaker 6: thing I always say is that the good, the bad, 779 00:36:31,480 --> 00:36:34,080 Speaker 6: and the ugly all work in your favor. And so 780 00:36:34,200 --> 00:36:37,600 Speaker 6: sometimes when you know, I don't believe in negative and 781 00:36:37,680 --> 00:36:40,400 Speaker 6: positive like negative things happening to you, because I think 782 00:36:40,440 --> 00:36:43,200 Speaker 6: that as long as you have breathing your body, uh, 783 00:36:43,239 --> 00:36:45,840 Speaker 6: you're you know, you you always have a you know, 784 00:36:46,000 --> 00:36:49,480 Speaker 6: opportunity to do do things different and everything just serves 785 00:36:49,480 --> 00:36:51,719 Speaker 6: as a lesson. And so for me, I you know, 786 00:36:52,040 --> 00:36:55,560 Speaker 6: you know, you know, yes, somebody would have been like man, 787 00:36:55,640 --> 00:36:57,400 Speaker 6: you know, maybe I would have done this differently. But 788 00:36:57,480 --> 00:37:00,160 Speaker 6: if you think about it, you know, honestly, if I 789 00:37:00,160 --> 00:37:03,320 Speaker 6: would have never thrown myself that you know that that 790 00:37:03,320 --> 00:37:07,040 Speaker 6: that retirement party, if I never decided to you know, 791 00:37:07,120 --> 00:37:09,960 Speaker 6: quit my job cold Turkey, I would have never you know, 792 00:37:10,040 --> 00:37:13,239 Speaker 6: fell back, you know, fell behind in in my mortgage. 793 00:37:13,520 --> 00:37:15,359 Speaker 6: Uh you know, I would have never had that that 794 00:37:15,560 --> 00:37:21,200 Speaker 6: uh loan remodification. And that loan remodification is what led 795 00:37:21,239 --> 00:37:25,080 Speaker 6: to you know, my my home increasing in value. That 796 00:37:25,200 --> 00:37:27,919 Speaker 6: also allowed me to sell the home and and walk 797 00:37:27,920 --> 00:37:31,120 Speaker 6: away with with some money in hand and be able 798 00:37:31,160 --> 00:37:34,960 Speaker 6: to purchase another home for half the price, tripleal size. 799 00:37:34,960 --> 00:37:37,680 Speaker 2: And so all of that, it was all it was 800 00:37:37,760 --> 00:37:38,520 Speaker 2: all a sequence. 801 00:37:38,560 --> 00:37:40,319 Speaker 6: And so if I took any of that back, if 802 00:37:40,360 --> 00:37:42,600 Speaker 6: I just said, man, I wish this, this didn't happen, 803 00:37:42,640 --> 00:37:46,160 Speaker 6: and I changed anything about it, I would probably still 804 00:37:46,200 --> 00:37:48,440 Speaker 6: be in New York. I would probably still be in 805 00:37:48,480 --> 00:37:51,400 Speaker 6: the same home. But instead, you know, I was I 806 00:37:51,440 --> 00:37:54,319 Speaker 6: was given a new opportunity and and you know, more 807 00:37:54,360 --> 00:37:56,200 Speaker 6: importantly than me because I was, I was fine in 808 00:37:56,239 --> 00:37:59,319 Speaker 6: New York. But I think you know, now, you know, 809 00:37:59,560 --> 00:38:01,799 Speaker 6: you know why to my wife happy? Because she has 810 00:38:01,840 --> 00:38:04,480 Speaker 6: family down here. I mean, she always wanted to be here. 811 00:38:04,719 --> 00:38:07,000 Speaker 6: You know, my daughter, she's ten now, you know, she 812 00:38:07,080 --> 00:38:09,000 Speaker 6: loves her school. She's the New York Girls. 813 00:38:09,000 --> 00:38:12,960 Speaker 2: So she's the popular you know, yeah, popular school. She 814 00:38:13,000 --> 00:38:13,440 Speaker 2: loves it. 815 00:38:13,680 --> 00:38:17,160 Speaker 6: You know my son, you know, he's three now, and 816 00:38:17,160 --> 00:38:20,040 Speaker 6: and he you know, he's he has a lot of energy. 817 00:38:20,080 --> 00:38:21,120 Speaker 5: The New York toddler. 818 00:38:21,640 --> 00:38:25,160 Speaker 6: Yeah, you know, you know that he has a lot 819 00:38:25,160 --> 00:38:28,280 Speaker 6: of energy. He's able to run and and and enjoy themselves. 820 00:38:28,320 --> 00:38:32,080 Speaker 6: And so I think that, you know, all all lessons 821 00:38:32,640 --> 00:38:35,400 Speaker 6: are blessings, and so I definitely wouldn't change anything. 822 00:38:36,080 --> 00:38:38,719 Speaker 2: And I'm happy that things happen exactly the way they did. 823 00:38:40,080 --> 00:38:42,600 Speaker 5: All lessons are blessings. I love people who can speak 824 00:38:42,600 --> 00:38:45,960 Speaker 5: in bumper stickers. Yeah, you're good at that. 825 00:38:47,600 --> 00:38:50,160 Speaker 1: What is what is your full name Ash is short 826 00:38:50,200 --> 00:38:52,719 Speaker 1: for no, just ash ash Exantis. 827 00:38:53,719 --> 00:38:55,680 Speaker 4: Oh, your middle name is Xantis. 828 00:38:56,040 --> 00:38:58,080 Speaker 6: No, my last name is Xantis and my first name 829 00:38:58,160 --> 00:39:02,439 Speaker 6: is Ash. It's just Ash really like yeah yeah yeah? 830 00:39:02,680 --> 00:39:04,960 Speaker 6: So my so my parents so my parents are from 831 00:39:05,200 --> 00:39:06,240 Speaker 6: from Haiti, from Haitian. 832 00:39:06,840 --> 00:39:10,600 Speaker 2: Uh yeah? So so Ash is a is a Haitian name? Uh? 833 00:39:10,640 --> 00:39:15,080 Speaker 2: Which which? Which? Legend tells it that I'm named after. 834 00:39:14,840 --> 00:39:17,080 Speaker 6: The water boys? So so there was a water boy 835 00:39:17,640 --> 00:39:20,399 Speaker 6: uh in Haiti? Uh that my mom? You know, my mom? 836 00:39:20,480 --> 00:39:23,160 Speaker 6: It was my mom's water boy. His name was Ash 837 00:39:23,239 --> 00:39:25,319 Speaker 6: and that's you know that wind up being my name? 838 00:39:26,680 --> 00:39:27,160 Speaker 5: Good water? 839 00:39:27,680 --> 00:39:28,880 Speaker 2: No exactly not. 840 00:39:28,680 --> 00:39:31,560 Speaker 5: Now did I say that I did he save you 841 00:39:31,600 --> 00:39:33,600 Speaker 5: from drowning or something like. 842 00:39:36,200 --> 00:39:44,000 Speaker 2: My dad or boy? Now I say it out loud, 843 00:39:44,000 --> 00:39:45,440 Speaker 2: it might it might be something to that. 844 00:39:45,560 --> 00:39:48,520 Speaker 5: But listen, parents, lie, You should know you have two kids, 845 00:39:48,520 --> 00:39:49,160 Speaker 5: don't you lie? 846 00:39:51,840 --> 00:39:53,280 Speaker 2: Absolutely? 847 00:39:54,560 --> 00:39:57,359 Speaker 5: Tell the Brown Ambition fam where they can find you 848 00:39:57,400 --> 00:40:01,000 Speaker 5: Ash online on the social let him. 849 00:40:00,880 --> 00:40:03,480 Speaker 6: Yes, So you can go to my website I am 850 00:40:03,600 --> 00:40:07,120 Speaker 6: ashcash dot com. You can follow me on all social 851 00:40:07,160 --> 00:40:12,680 Speaker 6: media platforms so Twitter, Instagram, Facebook, the same handle I 852 00:40:12,719 --> 00:40:15,719 Speaker 6: am ash Cash and I'm very active, so you can 853 00:40:15,719 --> 00:40:20,120 Speaker 6: find me either on the website or on social media. 854 00:40:20,440 --> 00:40:24,160 Speaker 1: Okay, Ash, yes, he you are consistent through and through. 855 00:40:24,440 --> 00:40:26,920 Speaker 1: I am a testament to your heart and soul and 856 00:40:26,960 --> 00:40:30,239 Speaker 1: you really do just pour in to the people that 857 00:40:30,280 --> 00:40:32,960 Speaker 1: you serve. So Atlanta is really lucky. 858 00:40:32,640 --> 00:40:35,160 Speaker 2: To have you. Thank you so much. No, I appreciate that. 859 00:40:35,160 --> 00:40:35,879 Speaker 2: Thank you so much. 860 00:40:36,640 --> 00:40:37,640 Speaker 5: Thanks for coming on the show. 861 00:40:37,680 --> 00:40:40,680 Speaker 6: Ash, Thank you, Mandy, thank you Tiffany, thank you for 862 00:40:40,719 --> 00:40:43,200 Speaker 6: having me. Thank you listeners for you know, you know, 863 00:40:43,200 --> 00:40:45,640 Speaker 6: I'm I'm very loud and yelling and stuff. 864 00:40:45,400 --> 00:40:49,120 Speaker 2: So thank you for I shut up. Yeah. Yeah, So 865 00:40:49,160 --> 00:40:50,320 Speaker 2: she's like the total opposite. 866 00:40:50,360 --> 00:40:53,280 Speaker 6: So it's like very calm and you know, mild manner. 867 00:40:53,480 --> 00:40:56,480 Speaker 6: But yeah, I'm like the big, outgoing guy. So thank 868 00:40:56,520 --> 00:40:59,080 Speaker 6: you listeners for dealing with me. But you know, I 869 00:40:59,160 --> 00:40:59,879 Speaker 6: appreciate you guys. 870 00:41:01,120 --> 00:41:02,359 Speaker 4: Yes, New York stand up. 871 00:41:03,719 --> 00:41:05,520 Speaker 5: It's trying to imagine if you and Tip were both 872 00:41:05,560 --> 00:41:06,040 Speaker 5: co hosts. 873 00:41:06,560 --> 00:41:11,200 Speaker 1: Oh me, I had as honest at the Literature Academy 874 00:41:11,600 --> 00:41:15,359 Speaker 1: at the Expert yo that yo. I literally I think 875 00:41:15,400 --> 00:41:17,840 Speaker 1: I fell asleep at the computer afterwards. I expended so much. 876 00:41:17,840 --> 00:41:21,120 Speaker 2: Energy it was. 877 00:41:21,400 --> 00:41:23,760 Speaker 4: But honestly, it's like the number one act the Expert. 878 00:41:23,880 --> 00:41:27,719 Speaker 1: Everyone loves that one, that session, it was so much 879 00:41:28,000 --> 00:41:29,799 Speaker 1: I think. I mean, I can't even watch the whole 880 00:41:29,800 --> 00:41:32,919 Speaker 1: way through because it's exhausting, but in an awesome way. 881 00:41:32,960 --> 00:41:35,560 Speaker 4: So yeah, no, it would be yo, it would just 882 00:41:35,560 --> 00:41:36,359 Speaker 4: be yelling back and forth. 883 00:41:53,760 --> 00:41:55,480 Speaker 1: Oh my gosh, did you love it as much as 884 00:41:55,520 --> 00:41:55,799 Speaker 1: I did? 885 00:41:55,800 --> 00:41:56,440 Speaker 2: I know you do. 886 00:41:56,920 --> 00:41:59,359 Speaker 4: Wasn't that so amazing? It's so awesome, Such a fun 887 00:41:59,400 --> 00:42:00,560 Speaker 4: trip down them Relane. 888 00:42:01,400 --> 00:42:04,600 Speaker 1: Make sure to check out more Brian ambition every Monday, 889 00:42:04,880 --> 00:42:05,880 Speaker 1: Wednesday and Friday. 890 00:42:06,120 --> 00:42:11,680 Speaker 4: Louns Miracles e uh yearess who looking at me? 891 00:42:11,760 --> 00:42:13,520 Speaker 1: My spianas many would be very happy with me. 892 00:42:14,560 --> 00:42:15,920 Speaker 4: Until Wednesday we'll see some