1 00:00:00,240 --> 00:00:01,440 Speaker 1: Hi, I'm Rashan McDonald. 2 00:00:01,480 --> 00:00:04,840 Speaker 2: I host the weekly Money Making Conversation Masterclass show. The 3 00:00:04,920 --> 00:00:08,040 Speaker 2: interviews and information that this show provides are for everyone. 4 00:00:08,280 --> 00:00:11,000 Speaker 2: It's time to stop reading other people's success stories and 5 00:00:11,080 --> 00:00:13,360 Speaker 2: start living your own. If you want to be a 6 00:00:13,400 --> 00:00:17,919 Speaker 2: guest on my show, please visit our website, Moneymakingconversations dot 7 00:00:17,960 --> 00:00:20,600 Speaker 2: com and click to be a guest button. If you're 8 00:00:20,600 --> 00:00:24,880 Speaker 2: an entrepreneur, you have a product, motivational speaker, or somebody 9 00:00:24,920 --> 00:00:27,880 Speaker 2: making a difference in the community. My guest is the 10 00:00:27,920 --> 00:00:32,280 Speaker 2: manager director of Northwestern Mutual Good One Right Gwynette. He 11 00:00:32,360 --> 00:00:35,280 Speaker 2: is the black Managing director employs a major role in 12 00:00:35,400 --> 00:00:39,879 Speaker 2: attracting and empowering others to launch their own financial planning practice. 13 00:00:40,000 --> 00:00:43,599 Speaker 2: He's especially committed to drawing more diverse talent to the industry, 14 00:00:44,040 --> 00:00:48,040 Speaker 2: engage improving professionals who might not have previously considered this 15 00:00:48,120 --> 00:00:51,520 Speaker 2: as a career. Please welcome to Money Making Conversation Master Class. 16 00:00:51,520 --> 00:00:54,280 Speaker 2: A financial influencer Brett Chestnut. 17 00:00:54,400 --> 00:00:55,560 Speaker 1: How you doing, chest Nut? 18 00:00:56,640 --> 00:00:58,760 Speaker 3: How wonderful sir? How are you well? 19 00:00:58,800 --> 00:01:01,279 Speaker 2: It's important that I bring in individuals like you. 20 00:01:01,280 --> 00:01:02,360 Speaker 1: You're a difference maker. 21 00:01:02,600 --> 00:01:05,399 Speaker 2: Talk about your role in the financial community, not just 22 00:01:05,440 --> 00:01:08,160 Speaker 2: in Atlanta because what you do here really does affect 23 00:01:08,200 --> 00:01:09,200 Speaker 2: people nationwide. 24 00:01:11,080 --> 00:01:14,360 Speaker 4: Yeah, so when I first started back in two thousand 25 00:01:14,720 --> 00:01:18,440 Speaker 4: and this would have been man some time ago. This 26 00:01:18,480 --> 00:01:23,000 Speaker 4: has probably been twenty It's been ten years, So what 27 00:01:23,000 --> 00:01:25,640 Speaker 4: does that make in twenty fifteen. So around twenty fifteen 28 00:01:25,720 --> 00:01:29,720 Speaker 4: I shifted from the engineering world into the financial world, 29 00:01:29,720 --> 00:01:31,920 Speaker 4: which was kind of a big shift for me, and 30 00:01:32,000 --> 00:01:34,520 Speaker 4: probably for the first five years of my career my 31 00:01:34,680 --> 00:01:37,399 Speaker 4: role was to help people with their finances, so retirement 32 00:01:37,440 --> 00:01:40,640 Speaker 4: planning and the risk management, wealth management, and then got 33 00:01:40,680 --> 00:01:43,040 Speaker 4: into leadership around year four or five of my career. 34 00:01:43,120 --> 00:01:45,399 Speaker 4: And so one of my big functions now is to 35 00:01:45,440 --> 00:01:48,360 Speaker 4: help people think through their vocation. And I think the 36 00:01:48,440 --> 00:01:50,920 Speaker 4: financial world is one that I think is overlooked and 37 00:01:50,960 --> 00:01:54,160 Speaker 4: it shouldn't be. It's a wonderful career for the right person. 38 00:01:54,680 --> 00:01:56,600 Speaker 4: And so one of my big functions now is to 39 00:01:56,680 --> 00:01:59,840 Speaker 4: go out and to help people who are probably successful 40 00:01:59,840 --> 00:02:02,640 Speaker 4: now in their career, but they are what I call 41 00:02:03,240 --> 00:02:06,680 Speaker 4: a big career disturbed and they want more. They're looking 42 00:02:06,680 --> 00:02:09,600 Speaker 4: for more, they want more fulfillment than they want more money. 43 00:02:09,960 --> 00:02:11,680 Speaker 4: And a big part of my role is to help 44 00:02:11,720 --> 00:02:15,239 Speaker 4: them be very thoughtful in that journey, how to figure 45 00:02:15,240 --> 00:02:16,840 Speaker 4: out if this could be a good fit for them, 46 00:02:16,960 --> 00:02:19,840 Speaker 4: and to develop them and to groom them to be 47 00:02:19,919 --> 00:02:22,960 Speaker 4: in this space. And then obviously our mission is to 48 00:02:23,040 --> 00:02:29,400 Speaker 4: really help to or alleviate a financial what anxiety from 49 00:02:29,400 --> 00:02:31,880 Speaker 4: people's lives, and that's the work that we do. 50 00:02:32,919 --> 00:02:35,200 Speaker 1: Now we have a conversation. You hear I talk. 51 00:02:35,960 --> 00:02:40,200 Speaker 2: Now, talk to my audience and let them understand your role, 52 00:02:40,360 --> 00:02:41,120 Speaker 2: your importance. 53 00:02:41,320 --> 00:02:43,240 Speaker 1: You see how Rashan McDonald talks. 54 00:02:43,560 --> 00:02:45,880 Speaker 2: They've heard how you talk, brat but now we're at 55 00:02:45,880 --> 00:02:49,079 Speaker 2: the point where we're trying to get them to respond 56 00:02:49,120 --> 00:02:51,720 Speaker 2: to you and want to trust you. 57 00:02:54,000 --> 00:02:57,840 Speaker 4: So you know, my vision for why I came into 58 00:02:57,919 --> 00:03:03,280 Speaker 4: this business was to help people financially to achieve their 59 00:03:03,360 --> 00:03:07,560 Speaker 4: dreams and their goals. I'm tired of people not chasing 60 00:03:07,600 --> 00:03:10,720 Speaker 4: their dreams because they can't financially. They don't have they 61 00:03:10,720 --> 00:03:12,359 Speaker 4: got to pay rent, they got to do this, they 62 00:03:12,360 --> 00:03:14,320 Speaker 4: got to take care of kids. I want people to 63 00:03:14,400 --> 00:03:17,040 Speaker 4: dream again. We're not dreaming no more. We're kind of 64 00:03:17,040 --> 00:03:18,440 Speaker 4: living because of obligation. 65 00:03:18,680 --> 00:03:19,160 Speaker 3: We got this. 66 00:03:19,520 --> 00:03:21,400 Speaker 4: I gotta get a job to do this, and I 67 00:03:21,440 --> 00:03:23,120 Speaker 4: get that, and some of us we got to do that. 68 00:03:23,520 --> 00:03:25,480 Speaker 3: But I want us to dream again. 69 00:03:25,680 --> 00:03:29,360 Speaker 4: And sometimes having resources and being really good stewards of 70 00:03:29,360 --> 00:03:31,640 Speaker 4: what the good Lord has given to us is the 71 00:03:31,720 --> 00:03:35,000 Speaker 4: start to be able to dream again. Also, I believe 72 00:03:35,200 --> 00:03:39,040 Speaker 4: that when we're born, we look like our parents, but 73 00:03:39,080 --> 00:03:42,320 Speaker 4: when we die, we look like our decisions. And I 74 00:03:42,360 --> 00:03:45,880 Speaker 4: want to help people be thoughtful in their decisions, which 75 00:03:45,960 --> 00:03:48,680 Speaker 4: is why I'm saying it's simple. We're making decisions, but 76 00:03:48,720 --> 00:03:51,160 Speaker 4: it's hard because some decisions are hard to make. 77 00:03:51,640 --> 00:03:54,120 Speaker 3: It's hard to not spend when we kind of know 78 00:03:54,240 --> 00:03:56,680 Speaker 3: we have it. But again, in the end, we're going 79 00:03:56,760 --> 00:03:58,640 Speaker 3: to look like the decisions we made. 80 00:03:58,800 --> 00:04:01,000 Speaker 4: And so if I can help people in that, and 81 00:04:01,040 --> 00:04:04,360 Speaker 4: one of their biggest decisions is their vocation. You know, 82 00:04:04,440 --> 00:04:07,680 Speaker 4: me as an engineer was a great job making really good, 83 00:04:07,720 --> 00:04:10,360 Speaker 4: good money, but something was missing for me, and I 84 00:04:10,360 --> 00:04:12,120 Speaker 4: had someone to help me be thoughtful in that. 85 00:04:12,280 --> 00:04:13,720 Speaker 3: And so as I help. 86 00:04:13,600 --> 00:04:16,800 Speaker 4: People think through their decisions and what's crazy about money, 87 00:04:17,600 --> 00:04:20,960 Speaker 4: I'm a part of everyone's biggest, you know, decisions they 88 00:04:20,960 --> 00:04:22,640 Speaker 4: got to make in their life. When they have a baby, 89 00:04:22,680 --> 00:04:24,200 Speaker 4: they call me. When they get married, they call me 90 00:04:24,240 --> 00:04:26,559 Speaker 4: when they get divorced, they call me when somebody dies. 91 00:04:26,600 --> 00:04:28,400 Speaker 4: They called me when they get a job, they called me. 92 00:04:28,440 --> 00:04:31,279 Speaker 4: When they lose a job, they called me. Every major decision, 93 00:04:31,560 --> 00:04:34,920 Speaker 4: I'm a part of it. And then one person by 94 00:04:34,920 --> 00:04:37,400 Speaker 4: itself can't do all this work that's out here in 95 00:04:37,440 --> 00:04:40,160 Speaker 4: this whole country. So I need to pour myself and 96 00:04:40,200 --> 00:04:43,200 Speaker 4: replicate myself so that I mean, the web effect of 97 00:04:43,279 --> 00:04:47,360 Speaker 4: the impact. You know, if I can create fifteen millionaires 98 00:04:47,360 --> 00:04:50,200 Speaker 4: in my lifetime, how much impact that those fifteen people 99 00:04:50,200 --> 00:04:52,880 Speaker 4: would do in their communities, how much money they would give, 100 00:04:53,240 --> 00:04:55,520 Speaker 4: I mean, how many mentors they would be. And so 101 00:04:55,680 --> 00:04:58,640 Speaker 4: that is the life's work of me I And we're 102 00:04:58,760 --> 00:05:01,479 Speaker 4: I mean, we're here for the help anybody think through 103 00:05:01,880 --> 00:05:03,040 Speaker 4: certainly their finances. 104 00:05:03,120 --> 00:05:04,200 Speaker 3: Will spend time with them. 105 00:05:04,400 --> 00:05:06,920 Speaker 4: For those who are in good careers, but kind of questioning, 106 00:05:07,279 --> 00:05:09,520 Speaker 4: you know what's next for me? I can help you 107 00:05:09,600 --> 00:05:12,000 Speaker 4: explore that. And odds are this may not be the 108 00:05:12,080 --> 00:05:14,320 Speaker 4: right fit. And that is what happens most of the time. 109 00:05:14,680 --> 00:05:16,880 Speaker 4: My role is to help them think through what is 110 00:05:16,920 --> 00:05:18,600 Speaker 4: the best fit for them, and that is what I do. 111 00:05:19,600 --> 00:05:25,159 Speaker 2: There we go, I finally got bread, be cole sold 112 00:05:25,200 --> 00:05:25,600 Speaker 2: your brother. 113 00:05:25,880 --> 00:05:26,480 Speaker 1: You know what I'm saying. 114 00:05:26,640 --> 00:05:31,840 Speaker 2: Sometimes in this process of being you, I always tell 115 00:05:31,880 --> 00:05:33,800 Speaker 2: people Muhammad al Lee. 116 00:05:33,640 --> 00:05:34,760 Speaker 1: Said he was the greatest. 117 00:05:35,000 --> 00:05:37,400 Speaker 2: He was he was the first person who understood the 118 00:05:37,440 --> 00:05:39,800 Speaker 2: brand management as far as they're preserved. And then do 119 00:05:39,839 --> 00:05:42,760 Speaker 2: you all a sudden this came along prime time and 120 00:05:43,120 --> 00:05:50,480 Speaker 2: these brands that people called up or boasting and management. 121 00:05:50,480 --> 00:05:52,920 Speaker 2: But that's what the commercial is. That's what the commercial 122 00:05:53,040 --> 00:05:55,560 Speaker 2: commercial is. A car saying I got the best car, 123 00:05:56,000 --> 00:05:57,880 Speaker 2: a plane saying I can get you there faster than 124 00:05:57,920 --> 00:05:59,040 Speaker 2: anybody with comfort. 125 00:05:59,839 --> 00:06:02,720 Speaker 1: These are what as individuals what you are. 126 00:06:02,880 --> 00:06:05,520 Speaker 2: You are a brand brand and I brought you on 127 00:06:05,560 --> 00:06:07,880 Speaker 2: the show because you're a brand that looks like me. 128 00:06:10,040 --> 00:06:13,040 Speaker 1: In a world that I am just a storyteller. 129 00:06:13,320 --> 00:06:23,520 Speaker 2: You are a certified financial planner, certified in financial literacy. 130 00:06:24,880 --> 00:06:28,400 Speaker 2: You are a subject matter expert. And the more people 131 00:06:28,520 --> 00:06:31,359 Speaker 2: like that I see like that, I gotta be in 132 00:06:31,400 --> 00:06:34,799 Speaker 2: front of you to say, man, give it to me, 133 00:06:34,480 --> 00:06:38,040 Speaker 2: give me you, give me you. Sometimes I worked that 134 00:06:38,160 --> 00:06:41,560 Speaker 2: IBM for five years. My degree is in mathematics, so 135 00:06:41,640 --> 00:06:45,520 Speaker 2: I understand going where the dream where everybody told you 136 00:06:45,560 --> 00:06:47,960 Speaker 2: to be an engineering You got that degree. Everybody's proud 137 00:06:48,000 --> 00:06:49,919 Speaker 2: of you. Then you looked up one day you said, 138 00:06:51,160 --> 00:06:54,680 Speaker 2: I'm cool, but I'm not happy. And so a math 139 00:06:54,720 --> 00:06:57,120 Speaker 2: degree I tell people I have a math three today, 140 00:06:57,200 --> 00:07:02,440 Speaker 2: They go, huh, because that doesn't fit who I am. 141 00:07:02,880 --> 00:07:04,359 Speaker 2: And so when you look, I want to ask this 142 00:07:04,480 --> 00:07:07,400 Speaker 2: question directly from the car, what advice would you give 143 00:07:07,400 --> 00:07:11,200 Speaker 2: to someone starting their financial journey, particularly if they come 144 00:07:11,280 --> 00:07:17,160 Speaker 2: from a background where well building resources weren't readilarly available. 145 00:07:19,400 --> 00:07:20,400 Speaker 3: The first thing I would do. 146 00:07:20,440 --> 00:07:22,560 Speaker 4: I think it's a great eye opener is I know 147 00:07:22,560 --> 00:07:24,760 Speaker 4: people hate the word budget, and I'm not saying get 148 00:07:24,840 --> 00:07:28,320 Speaker 4: on the strict budget. I'm saying go back the past 149 00:07:28,320 --> 00:07:31,760 Speaker 4: three months, maybe two months, and you. 150 00:07:31,800 --> 00:07:33,960 Speaker 3: Budget yourself and see where you spen money. 151 00:07:34,720 --> 00:07:38,080 Speaker 4: And I guarantee you'll be surprised on what you say 152 00:07:38,160 --> 00:07:42,280 Speaker 4: your priority is and what your money says your priority is. 153 00:07:42,600 --> 00:07:46,160 Speaker 3: And that would just probably wake them up to see, huh. 154 00:07:46,240 --> 00:07:48,800 Speaker 3: I thought that I cared about traveling. 155 00:07:48,640 --> 00:07:52,040 Speaker 4: But undoubtedly I love to eat food more than I 156 00:07:52,160 --> 00:07:55,120 Speaker 4: do the travel. And so that's a great eye opener 157 00:07:55,200 --> 00:07:57,240 Speaker 4: moment to get because you got to kind of shape 158 00:07:57,240 --> 00:07:59,800 Speaker 4: people up a little bit to get them like aware, 159 00:08:00,040 --> 00:08:03,119 Speaker 4: and you will probably be amazed at wow, I spent 160 00:08:03,400 --> 00:08:07,120 Speaker 4: X amount of money on eating out the past three months? 161 00:08:07,520 --> 00:08:09,320 Speaker 3: Is that really what gives me fulfillment? 162 00:08:10,040 --> 00:08:12,840 Speaker 4: And that's the start of anything is just acknowledgment of 163 00:08:12,880 --> 00:08:13,400 Speaker 4: where you are. 164 00:08:14,640 --> 00:08:17,600 Speaker 2: Wow, now I know that you're the managed director of 165 00:08:17,680 --> 00:08:21,760 Speaker 2: Northwestern Mutual going the right cornet, but how can you 166 00:08:21,800 --> 00:08:26,160 Speaker 2: explain me how Northwestern Mutual is working to invest in 167 00:08:26,320 --> 00:08:30,400 Speaker 2: and empowered diverse financial advisors and what this means for 168 00:08:30,440 --> 00:08:35,079 Speaker 2: the future of financial services in Atlanta. 169 00:08:35,200 --> 00:08:38,320 Speaker 4: So we are very heavily you know, like invested in 170 00:08:38,679 --> 00:08:41,120 Speaker 4: you know what what, Well, let me say it this way. 171 00:08:42,040 --> 00:08:47,200 Speaker 4: The growth strategy for both Western Mutual has been in diversity. 172 00:08:48,000 --> 00:08:49,400 Speaker 3: Uh, and that's no secret to that. 173 00:08:49,600 --> 00:08:55,360 Speaker 4: And so we're very heavily what invested into growing these markets, 174 00:08:55,400 --> 00:08:57,960 Speaker 4: and not because they're diverse, it's because it not only 175 00:08:58,000 --> 00:09:00,920 Speaker 4: is it the right thing, but it's there. There's total 176 00:09:01,000 --> 00:09:04,160 Speaker 4: markets that hadn't been helped yet or hadn't even been 177 00:09:04,360 --> 00:09:07,480 Speaker 4: called on yet. And so and it's beyond just African American. 178 00:09:07,480 --> 00:09:10,320 Speaker 4: There's all kinds of cultures. But that's where I can 179 00:09:10,360 --> 00:09:12,319 Speaker 4: say I've seen it. I'm at that table. 180 00:09:12,800 --> 00:09:13,040 Speaker 3: Uh. 181 00:09:13,120 --> 00:09:16,880 Speaker 4: They are serious, and they are pouring resources and you know, 182 00:09:17,040 --> 00:09:21,080 Speaker 4: just more visibility, more marketing h to really really help 183 00:09:21,160 --> 00:09:23,640 Speaker 4: and when we get the call, we help. And that's 184 00:09:23,640 --> 00:09:26,520 Speaker 4: a that's a big thing when we if you call, 185 00:09:26,880 --> 00:09:29,720 Speaker 4: we're gonna help now. If you don't call, then good luck, 186 00:09:30,440 --> 00:09:32,600 Speaker 4: and we may call you one day if somebody refers 187 00:09:32,600 --> 00:09:33,079 Speaker 4: you to us. 188 00:09:33,080 --> 00:09:35,320 Speaker 3: But you know, if you call us, we will help you, 189 00:09:35,760 --> 00:09:36,679 Speaker 3: no question about that. 190 00:09:38,160 --> 00:09:41,440 Speaker 2: Love that, thank you with that, With that statement, how 191 00:09:41,440 --> 00:09:43,680 Speaker 2: do we reach you? Then, Brett, if we want to 192 00:09:43,720 --> 00:09:44,559 Speaker 2: make that call. 193 00:09:46,160 --> 00:09:49,959 Speaker 4: You can email me at Brett dot Chestnut at the 194 00:09:50,240 --> 00:09:53,760 Speaker 4: NM Nancymary dot com. Uh, that'll probably be the most 195 00:09:53,800 --> 00:09:56,200 Speaker 4: effective way to reach me. And I have a whole 196 00:09:56,240 --> 00:09:58,320 Speaker 4: staff that nitor all of this, and we will make 197 00:09:58,320 --> 00:10:01,559 Speaker 4: sure that we respond to anyone who has questions who 198 00:10:01,559 --> 00:10:02,199 Speaker 4: may need help. 199 00:10:02,440 --> 00:10:04,360 Speaker 3: I mean they want to get to an advisor. 200 00:10:04,440 --> 00:10:07,160 Speaker 4: It may be me, it may be somebody from my team, 201 00:10:07,679 --> 00:10:10,199 Speaker 4: but we will be committed to helping anybody who may 202 00:10:10,200 --> 00:10:12,440 Speaker 4: have questions and to help them own their financial journey. 203 00:10:12,880 --> 00:10:13,680 Speaker 3: I will commit to that. 204 00:10:14,080 --> 00:10:18,120 Speaker 1: Here's the question, mentoring. We hear that a lot. 205 00:10:18,440 --> 00:10:20,520 Speaker 2: I know when I go back and think about my life, 206 00:10:20,960 --> 00:10:23,080 Speaker 2: there were people who just gave me advice. I call 207 00:10:23,240 --> 00:10:25,439 Speaker 2: them keeping me on the straight and narrow, kept me 208 00:10:25,480 --> 00:10:28,360 Speaker 2: on the straight and narrow way before the word mentoring 209 00:10:28,480 --> 00:10:32,160 Speaker 2: became socially acceptable or that's the brand. 210 00:10:31,880 --> 00:10:32,720 Speaker 1: Which is important. 211 00:10:33,120 --> 00:10:36,720 Speaker 2: Mentoring is important in your role, in your company's role, 212 00:10:37,080 --> 00:10:41,480 Speaker 2: and tried to build the next generation of financial advisors 213 00:10:41,480 --> 00:10:42,679 Speaker 2: that look like us. 214 00:10:43,400 --> 00:10:45,440 Speaker 1: What is the role of mentoring and how does it 215 00:10:45,520 --> 00:10:46,640 Speaker 1: play in this company? 216 00:10:48,360 --> 00:10:49,480 Speaker 3: I think it's so important. 217 00:10:49,520 --> 00:10:52,360 Speaker 4: I think it is a word that is victimized and 218 00:10:52,400 --> 00:10:55,520 Speaker 4: it's not used properly. Mentorship my mom always told me 219 00:10:55,559 --> 00:10:58,800 Speaker 4: growing up. She said, never judge anybody until you know somebody. 220 00:10:59,520 --> 00:11:02,480 Speaker 4: And to me, need to give someone feedback without relationship 221 00:11:02,679 --> 00:11:06,600 Speaker 4: is harassment. And so mentorship first starts with getting to 222 00:11:06,679 --> 00:11:08,800 Speaker 4: know the person, and. 223 00:11:08,760 --> 00:11:11,200 Speaker 3: That sometimes takes time. So before I give. 224 00:11:11,080 --> 00:11:14,560 Speaker 4: Anybody feedback or give them advice, let me hear your story. 225 00:11:15,240 --> 00:11:16,040 Speaker 3: Start from a child. 226 00:11:16,520 --> 00:11:18,400 Speaker 4: Let me hear about your parents, Let me hear about 227 00:11:18,600 --> 00:11:20,200 Speaker 4: you know where you're from, Let me hear about where 228 00:11:20,200 --> 00:11:22,160 Speaker 4: you went to high school, What sports did you play, 229 00:11:22,240 --> 00:11:25,280 Speaker 4: What did you do great? And where did you struggle? 230 00:11:25,679 --> 00:11:27,440 Speaker 4: What was your hardest thing that you had to face 231 00:11:27,480 --> 00:11:31,320 Speaker 4: so far in your life. Mentorships is really a more 232 00:11:31,720 --> 00:11:35,199 Speaker 4: intimate way. It's not coaching, it ain't training, it ain't development. 233 00:11:35,280 --> 00:11:37,920 Speaker 4: It's about the inner person. And to me, that's what 234 00:11:37,960 --> 00:11:41,160 Speaker 4: we do. Probably the best is get to know first, 235 00:11:41,800 --> 00:11:44,440 Speaker 4: and then that opens the door for everything else of 236 00:11:44,480 --> 00:11:49,600 Speaker 4: how to then develop that person into the better version 237 00:11:49,679 --> 00:11:50,160 Speaker 4: of them. 238 00:11:50,320 --> 00:11:52,280 Speaker 3: We're not trying to change them to become me or 239 00:11:52,320 --> 00:11:53,600 Speaker 3: anybody else, but I. 240 00:11:53,640 --> 00:11:56,640 Speaker 4: Know them so well I know exactly how to develop 241 00:11:56,720 --> 00:11:57,400 Speaker 4: that person. 242 00:11:57,760 --> 00:12:02,240 Speaker 2: That is mentorship, secret agent, be like secret Age of 243 00:12:02,280 --> 00:12:06,960 Speaker 2: Double O seven Brett Chestnut, you know, managing direct us. 244 00:12:08,080 --> 00:12:10,760 Speaker 1: Brother, you know, I appreciate you, Man, I really do. 245 00:12:10,920 --> 00:12:11,120 Speaker 3: Man. 246 00:12:11,240 --> 00:12:13,600 Speaker 1: And you're in Atlantic Is. 247 00:12:13,760 --> 00:12:18,000 Speaker 2: We all know that as African American people of color, 248 00:12:18,120 --> 00:12:19,400 Speaker 2: all we want is a shot man. 249 00:12:19,840 --> 00:12:22,160 Speaker 1: That's all That's that's all I want. And when I. 250 00:12:22,080 --> 00:12:24,560 Speaker 2: See things on the news, I see things in the 251 00:12:24,640 --> 00:12:29,959 Speaker 2: media portraying or are denouncing the accomplishment we are making 252 00:12:30,080 --> 00:12:33,040 Speaker 2: in this industry that you are making in this industry 253 00:12:33,040 --> 00:12:35,720 Speaker 2: that you wouldn't place till you earned your slot to 254 00:12:35,800 --> 00:12:39,640 Speaker 2: make these wise and financial decisions that are changing people's lives, 255 00:12:39,720 --> 00:12:40,040 Speaker 2: not just. 256 00:12:39,960 --> 00:12:43,360 Speaker 1: People of color. You're affecting everybody. That's the beauty of 257 00:12:43,400 --> 00:12:44,120 Speaker 1: who you are. 258 00:12:44,600 --> 00:12:49,040 Speaker 2: And when you hear people denouncing, are playing down or saying, 259 00:12:49,040 --> 00:12:51,080 Speaker 2: we've just been plugged into these slots. 260 00:12:51,120 --> 00:12:53,800 Speaker 1: And how do you react to that? Brent? 261 00:12:56,720 --> 00:12:58,199 Speaker 3: You know I think that. 262 00:13:00,320 --> 00:13:05,840 Speaker 4: Man, once we find out as a people who we are, man, Man, 263 00:13:05,960 --> 00:13:07,160 Speaker 4: what difference. 264 00:13:07,280 --> 00:13:07,520 Speaker 3: You know. 265 00:13:07,559 --> 00:13:09,680 Speaker 4: There are so many people that I've had, you know, 266 00:13:09,800 --> 00:13:13,240 Speaker 4: mentor through the years that I. 267 00:13:13,200 --> 00:13:15,360 Speaker 3: Mean, many of them they kind of learned, you know, 268 00:13:15,400 --> 00:13:16,080 Speaker 3: who they are. 269 00:13:16,559 --> 00:13:20,040 Speaker 4: My grandfather always told me once we would leave his house, 270 00:13:20,040 --> 00:13:22,400 Speaker 4: he would always say, Brett, he would say, now show 271 00:13:22,440 --> 00:13:24,680 Speaker 4: your blood when you leave here, Shaw your blood. 272 00:13:25,240 --> 00:13:26,240 Speaker 3: Let them know who you are. 273 00:13:27,520 --> 00:13:30,119 Speaker 4: And if we can get that back and we realize, 274 00:13:30,120 --> 00:13:33,000 Speaker 4: like it's not accidental that we're we have some really 275 00:13:33,040 --> 00:13:35,760 Speaker 4: incredible music, and we make some of the best foods, 276 00:13:35,800 --> 00:13:40,199 Speaker 4: and we dance, and I mean, we're special. And if 277 00:13:40,200 --> 00:13:44,520 Speaker 4: we can regain that confidence back and approach this marketplace 278 00:13:44,559 --> 00:13:47,960 Speaker 4: with that level of confidence in that you know, we're 279 00:13:48,000 --> 00:13:52,520 Speaker 4: good enough already, already we're good enough and you know, 280 00:13:52,600 --> 00:13:57,360 Speaker 4: and approach this marketplace with extreme confidence, which thing turns 281 00:13:57,400 --> 00:13:59,040 Speaker 4: into you being courageous. 282 00:13:59,679 --> 00:14:01,360 Speaker 3: Man that diskies the limit. 283 00:14:01,960 --> 00:14:05,120 Speaker 5: Please don't go anywhere. We'll be right back with more 284 00:14:05,200 --> 00:14:14,040 Speaker 5: Money Making Conversations Masterclass. Welcome back to the Money Making 285 00:14:14,080 --> 00:14:17,280 Speaker 5: Conversations Masterclass hosted by Rashaan McDonald. 286 00:14:18,000 --> 00:14:21,000 Speaker 2: Now that's important because of the fact that we have 287 00:14:21,040 --> 00:14:23,600 Speaker 2: a weldcap out there, and we always talk about this, 288 00:14:23,640 --> 00:14:25,960 Speaker 2: wellcare I always talking about closing the black white wealthcap, 289 00:14:26,280 --> 00:14:29,120 Speaker 2: and whereas I don't know if that's possible that you 290 00:14:29,280 --> 00:14:32,000 Speaker 2: it's a good theory to talk about closing unless you 291 00:14:32,040 --> 00:14:35,040 Speaker 2: have a way that you can tell Rashawn McDonald this 292 00:14:35,120 --> 00:14:37,960 Speaker 2: is the approach to closing it. We've already talked about 293 00:14:37,960 --> 00:14:41,520 Speaker 2: the city of Atlanta where we're talking about the income 294 00:14:41,560 --> 00:14:47,040 Speaker 2: in quality is perception and lifestyle and decision makings. With 295 00:14:47,160 --> 00:14:50,400 Speaker 2: that being said, how do you close a wealthcap that 296 00:14:50,880 --> 00:14:53,600 Speaker 2: in my eyes, if the white people are in front 297 00:14:53,640 --> 00:14:54,920 Speaker 2: of you, they're not going to slow down so you 298 00:14:55,000 --> 00:14:56,400 Speaker 2: can catch them. 299 00:14:56,680 --> 00:14:57,960 Speaker 1: So how do you close that? 300 00:15:00,560 --> 00:15:02,880 Speaker 4: Well, I think it takes one generation to I mean, 301 00:15:02,920 --> 00:15:06,600 Speaker 4: really be self less. Uh, it got to start somewhere. 302 00:15:06,720 --> 00:15:08,800 Speaker 4: And I get that maybe that gap. You know, some 303 00:15:08,920 --> 00:15:11,560 Speaker 4: may argue it's too big, some say it's possible. That's 304 00:15:11,600 --> 00:15:13,800 Speaker 4: a whole different kind of debate. But I would say, 305 00:15:13,840 --> 00:15:16,640 Speaker 4: but it got to start somewhere. And what I can't 306 00:15:16,720 --> 00:15:19,600 Speaker 4: I mean, to really close the gap. What you can't 307 00:15:19,600 --> 00:15:22,680 Speaker 4: be saying is kind of things like, well, hey, I 308 00:15:22,680 --> 00:15:25,840 Speaker 4: don't really want to leave my kids or my grandkids 309 00:15:25,880 --> 00:15:28,760 Speaker 4: a whole lot because they're going to be, you know, spoiled, 310 00:15:28,800 --> 00:15:30,120 Speaker 4: and it's gonna be too much. 311 00:15:30,160 --> 00:15:32,160 Speaker 3: They ain't gonna have no work ethic. 312 00:15:32,600 --> 00:15:36,560 Speaker 4: Well what if they do have the work ethic because 313 00:15:36,600 --> 00:15:39,000 Speaker 4: you raised them well and they had the resources. 314 00:15:39,760 --> 00:15:42,720 Speaker 2: I'm still struggling bred with cryptocurrency. 315 00:15:43,440 --> 00:15:46,880 Speaker 1: I'm still trying to figure out what bitcoin is. And 316 00:15:47,000 --> 00:15:50,240 Speaker 1: did you say rashone? You know it's a generational thing. 317 00:15:50,280 --> 00:15:51,080 Speaker 3: We catch up. 318 00:15:51,480 --> 00:15:56,040 Speaker 2: But guess what, I'm confused. I'm not exactly trying to 319 00:15:56,080 --> 00:15:58,000 Speaker 2: get you to educate me. So I walk out of 320 00:15:58,040 --> 00:16:00,960 Speaker 2: this room and I can start investing in the crypto currency. 321 00:16:01,400 --> 00:16:05,080 Speaker 1: But how do we get there? 322 00:16:05,160 --> 00:16:05,360 Speaker 3: Man? 323 00:16:05,480 --> 00:16:07,480 Speaker 2: How do we get that comfort zone to know that 324 00:16:08,280 --> 00:16:12,320 Speaker 2: the investing in these new lanes of our financial opportunity 325 00:16:12,600 --> 00:16:14,840 Speaker 2: can work for me? How can you get me that? 326 00:16:15,040 --> 00:16:15,360 Speaker 1: Brett? 327 00:16:16,080 --> 00:16:18,240 Speaker 2: I hope I'm not asking a question that it's like 328 00:16:18,360 --> 00:16:21,040 Speaker 2: putting you on the spot. But brother, I'm just speaking. 329 00:16:21,120 --> 00:16:21,640 Speaker 1: I don't know. 330 00:16:24,200 --> 00:16:26,800 Speaker 4: Well, you know, I think where it starts is. I 331 00:16:26,840 --> 00:16:29,200 Speaker 4: think what I see sometimes is people want to skip steps. 332 00:16:29,600 --> 00:16:34,600 Speaker 3: They want to just skip the steps, go ahead. 333 00:16:35,080 --> 00:16:35,400 Speaker 1: That's me. 334 00:16:37,400 --> 00:16:38,200 Speaker 3: I think people. 335 00:16:39,480 --> 00:16:42,120 Speaker 4: I mean not saving money, not having retirement, not having 336 00:16:42,480 --> 00:16:44,600 Speaker 4: I mean really no planning and then jump from that 337 00:16:44,840 --> 00:16:48,800 Speaker 4: to that straight to the crypto and you will be confused. 338 00:16:48,880 --> 00:16:51,360 Speaker 4: And I think that's not their proper approach to planning. 339 00:16:51,480 --> 00:16:53,720 Speaker 4: I would start with, okay, what have we done? 340 00:16:54,240 --> 00:16:56,200 Speaker 3: What have we done? Well? Where are we starting from? 341 00:16:56,280 --> 00:16:58,520 Speaker 3: You got to build the foundation because see to even 342 00:16:58,600 --> 00:17:02,000 Speaker 3: have room for more little too things like crypto. And 343 00:17:02,720 --> 00:17:03,480 Speaker 3: you know, I. 344 00:17:03,400 --> 00:17:07,040 Speaker 4: Think that the idea is everything has it's in place 345 00:17:07,119 --> 00:17:10,720 Speaker 4: in your plan. You're gonna have little bits, a little bit. 346 00:17:11,320 --> 00:17:13,440 Speaker 4: No one thing is, you know, going to change the world. 347 00:17:13,480 --> 00:17:15,320 Speaker 4: It's not going to be great or perfect. And then 348 00:17:15,359 --> 00:17:18,000 Speaker 4: no one thing is totally bad. It's all a matter 349 00:17:18,040 --> 00:17:20,480 Speaker 4: of context. And so that's a part of my role. 350 00:17:20,520 --> 00:17:22,880 Speaker 4: When I meet somebody new as a client, I first 351 00:17:22,880 --> 00:17:24,080 Speaker 4: want to understand them. 352 00:17:24,480 --> 00:17:26,040 Speaker 3: I want to understand context. 353 00:17:26,040 --> 00:17:28,640 Speaker 4: I don't want to really get what are we trying 354 00:17:28,680 --> 00:17:31,399 Speaker 4: to do, like what's the end game of all this? 355 00:17:31,840 --> 00:17:33,640 Speaker 4: And then there could be room for some of those 356 00:17:33,680 --> 00:17:36,320 Speaker 4: things like that. But I think that sometimes we're approaching 357 00:17:36,359 --> 00:17:38,679 Speaker 4: it kind of way too quickly and we're trying to 358 00:17:38,680 --> 00:17:39,360 Speaker 4: skip steps. 359 00:17:40,960 --> 00:17:42,560 Speaker 1: Well I am that skip step guy. 360 00:17:42,720 --> 00:17:46,000 Speaker 2: Okay, I'm just gonna let you know that I you know, 361 00:17:46,119 --> 00:17:49,720 Speaker 2: I've stuttering because I'm trying to see how I can 362 00:17:50,080 --> 00:17:51,200 Speaker 2: jump ahead of everybody. 363 00:17:51,200 --> 00:17:52,240 Speaker 1: And it's just made simple. 364 00:17:52,760 --> 00:17:52,960 Speaker 3: You know. 365 00:17:53,000 --> 00:17:56,240 Speaker 2: I know that I got some little, maybe corny rules 366 00:17:56,280 --> 00:17:56,960 Speaker 2: that they tell me. 367 00:17:57,040 --> 00:18:00,879 Speaker 1: If I shop at home Deepot, buy that stock. 368 00:18:01,040 --> 00:18:04,560 Speaker 2: You know that if you're shopping on one Amazon, buy 369 00:18:04,640 --> 00:18:05,119 Speaker 2: that stock. 370 00:18:05,200 --> 00:18:06,439 Speaker 3: You know, you know, buy. 371 00:18:06,359 --> 00:18:09,240 Speaker 2: Stock based on where you participate or invest your money. 372 00:18:09,240 --> 00:18:11,639 Speaker 2: That's a logic that I have in my mind, not 373 00:18:11,720 --> 00:18:14,200 Speaker 2: saying it's right, but that's a logic that I've learned 374 00:18:14,359 --> 00:18:17,560 Speaker 2: and been pretty successful for me. Now, when I say 375 00:18:17,600 --> 00:18:21,679 Speaker 2: cryptocurrency or bitcoin, I don't know where I'm shopping. I 376 00:18:21,720 --> 00:18:25,440 Speaker 2: don't know how it connects to dots. And so that 377 00:18:25,960 --> 00:18:27,920 Speaker 2: is my role. And when I'm saying I'm trying to 378 00:18:27,920 --> 00:18:30,680 Speaker 2: skip the steps because I'm trying to get some little magical, 379 00:18:30,720 --> 00:18:34,359 Speaker 2: little lingo I can set down and get some level 380 00:18:34,359 --> 00:18:35,840 Speaker 2: of common sense into it. 381 00:18:36,320 --> 00:18:38,240 Speaker 3: Well, I think one thing is it come to me 382 00:18:38,320 --> 00:18:39,000 Speaker 3: with the question. 383 00:18:39,359 --> 00:18:42,080 Speaker 4: And I think one of my roles is to really 384 00:18:42,160 --> 00:18:45,520 Speaker 4: teach to educate, Like Okay, well, first off, why are 385 00:18:45,520 --> 00:18:48,520 Speaker 4: you asking me about this? Like what what's the real 386 00:18:48,560 --> 00:18:51,200 Speaker 4: reason you're asking me about? And you're bringing exam I 387 00:18:51,280 --> 00:18:51,840 Speaker 4: want to get rich. 388 00:18:51,880 --> 00:18:53,720 Speaker 1: I want to get rich bread, I want to be rich. 389 00:18:53,840 --> 00:18:54,600 Speaker 1: I want to rich. 390 00:18:55,960 --> 00:18:58,560 Speaker 4: Okay, And so once I know that, and then I say, okay, 391 00:18:58,640 --> 00:19:03,120 Speaker 4: so your real goal is to get it fast? Yes, fine, now, 392 00:19:03,640 --> 00:19:05,639 Speaker 4: and so then you know a part of me is 393 00:19:05,640 --> 00:19:08,080 Speaker 4: that then teach them on like, okay, do you understand 394 00:19:08,119 --> 00:19:08,639 Speaker 4: what this is? 395 00:19:08,760 --> 00:19:10,520 Speaker 3: Now? That's why they said when you go to home depot, 396 00:19:10,960 --> 00:19:12,040 Speaker 3: then by the stock. 397 00:19:11,880 --> 00:19:13,800 Speaker 4: Because you know what you be there. I mean, you 398 00:19:13,840 --> 00:19:15,800 Speaker 4: see it, you see the business. And so I think 399 00:19:15,800 --> 00:19:17,880 Speaker 4: there is a piece of this I think for any 400 00:19:17,920 --> 00:19:22,600 Speaker 4: investor will be wise is to educate themselves. And you know, 401 00:19:22,880 --> 00:19:25,040 Speaker 4: if you don't really understand, then maybe it ain't time 402 00:19:25,080 --> 00:19:26,199 Speaker 4: for you to yet to invest in it. 403 00:19:26,240 --> 00:19:27,520 Speaker 3: You got to spend time on it. 404 00:19:27,520 --> 00:19:30,520 Speaker 4: Now a person like me, my help is I can 405 00:19:30,600 --> 00:19:33,520 Speaker 4: make it more lay in terms probably and say all right, 406 00:19:33,960 --> 00:19:36,119 Speaker 4: this is what it reads like and it sounds complicated, 407 00:19:36,119 --> 00:19:37,880 Speaker 4: but let me break it down to you. And that's 408 00:19:37,880 --> 00:19:39,320 Speaker 4: why I do a lot. I do this for a 409 00:19:39,320 --> 00:19:41,480 Speaker 4: lot of my clients, is to help them understand, like 410 00:19:41,600 --> 00:19:42,840 Speaker 4: what is the stock. 411 00:19:42,640 --> 00:19:47,960 Speaker 2: Market now that women dominate, especially African American women really 412 00:19:47,960 --> 00:19:53,640 Speaker 2: dominating the entrepreneurial space, launching small businesses. In the financial world, 413 00:19:53,680 --> 00:19:56,720 Speaker 2: there are a lot of traditional strategies that they have 414 00:19:56,840 --> 00:20:00,000 Speaker 2: been built up because guess what, people of color weren't participating. 415 00:20:00,640 --> 00:20:04,359 Speaker 2: So how are the new ways that you're introduced to 416 00:20:04,440 --> 00:20:11,320 Speaker 2: your opportunities, are new strategies to welcome especially women into 417 00:20:11,400 --> 00:20:13,280 Speaker 2: your diverse financial world. 418 00:20:15,840 --> 00:20:20,040 Speaker 4: Well, you say new, I think I believe there's nothing 419 00:20:20,080 --> 00:20:23,520 Speaker 4: new under the sign. I think it's you know, kind 420 00:20:23,520 --> 00:20:25,560 Speaker 4: of going back to the basics, like if you just 421 00:20:25,640 --> 00:20:29,560 Speaker 4: save money for a long time, it's probably gonna work. 422 00:20:30,320 --> 00:20:33,600 Speaker 4: And that's what's not very new, but it kind of 423 00:20:33,600 --> 00:20:37,560 Speaker 4: feels new within this world. I think what's also new 424 00:20:37,680 --> 00:20:40,400 Speaker 4: is that you have me in this seat that can 425 00:20:40,400 --> 00:20:42,840 Speaker 4: talk language to you understand somebody. 426 00:20:42,560 --> 00:20:45,160 Speaker 3: From a very different perspective. That is still kind of new. 427 00:20:45,920 --> 00:20:48,919 Speaker 4: And so I think that and just understanding kind of 428 00:20:48,960 --> 00:20:53,200 Speaker 4: the what emotional ties. What's kind of funny about money 429 00:20:53,440 --> 00:20:58,879 Speaker 4: is it really is attached to so many parts of 430 00:20:58,920 --> 00:21:01,160 Speaker 4: our lives. I mean, you see marriages that you fail 431 00:21:01,280 --> 00:21:03,880 Speaker 4: because of money. You see people's faith it's tied to money. 432 00:21:03,920 --> 00:21:06,840 Speaker 4: You see people you know, kids and their happiness, and 433 00:21:07,040 --> 00:21:08,560 Speaker 4: there's so much attached to money. 434 00:21:08,600 --> 00:21:09,400 Speaker 3: I think having a. 435 00:21:09,320 --> 00:21:12,280 Speaker 4: Person that you can really connect with to understand the 436 00:21:12,320 --> 00:21:13,199 Speaker 4: feelings of it. 437 00:21:13,600 --> 00:21:15,120 Speaker 3: And you know that resonates a lot. 438 00:21:15,240 --> 00:21:17,399 Speaker 4: Not being very generalistic, but for a lot of women, 439 00:21:17,920 --> 00:21:21,800 Speaker 4: feelings are important, so tapping into their feelings and not 440 00:21:21,920 --> 00:21:24,760 Speaker 4: just approaching it all the time from logic, which is 441 00:21:24,840 --> 00:21:26,879 Speaker 4: mean thinking, you know that kind of left brain thinking. 442 00:21:27,240 --> 00:21:29,400 Speaker 4: I think that's a very big shift now is how 443 00:21:29,400 --> 00:21:31,679 Speaker 4: does this make you feel? How would you feel if 444 00:21:31,680 --> 00:21:33,879 Speaker 4: you couldn't have enough money for your kids to go 445 00:21:33,920 --> 00:21:35,879 Speaker 4: to college? I mean, I mean, forget about the math. 446 00:21:36,119 --> 00:21:38,760 Speaker 4: How does that make you feel? And I mean we're 447 00:21:38,800 --> 00:21:41,080 Speaker 4: seeing a lot of that today, which is making it 448 00:21:41,119 --> 00:21:43,800 Speaker 4: way more receptive for more women for sure. 449 00:21:43,840 --> 00:21:45,320 Speaker 1: You know, Bret, you bringing humble guy. 450 00:21:45,600 --> 00:21:47,080 Speaker 2: You know I'm gonna say that to you in a 451 00:21:47,200 --> 00:21:51,959 Speaker 2: complimentary way because humble people tend to see life so simple, 452 00:21:52,640 --> 00:21:55,679 Speaker 2: and when when you articulated, you know, the path of 453 00:21:55,720 --> 00:21:58,520 Speaker 2: getting there is really difficult because we don't have the 454 00:21:58,520 --> 00:22:01,080 Speaker 2: common sense. I'm not a common sense. I'm just a 455 00:22:01,080 --> 00:22:03,920 Speaker 2: guy who wants So when I go and see you, 456 00:22:04,680 --> 00:22:07,560 Speaker 2: I just want what I see on TV. If I 457 00:22:07,560 --> 00:22:09,359 Speaker 2: see a new car, I'm gonna go to a dealership 458 00:22:09,400 --> 00:22:11,359 Speaker 2: and try to find out how to buy that new car. 459 00:22:11,520 --> 00:22:13,600 Speaker 2: I'm gonna see a sticker, then I'm gonna do my 460 00:22:13,720 --> 00:22:16,520 Speaker 2: math and go. I can't afford that yet. Like you 461 00:22:16,600 --> 00:22:19,280 Speaker 2: told me, Rashan, you might not be ready for. 462 00:22:19,240 --> 00:22:23,120 Speaker 1: That journey right then. Saved, saved, Save, Save. 463 00:22:23,560 --> 00:22:27,560 Speaker 2: But if I can save Brett and watch that investment grow, 464 00:22:28,200 --> 00:22:29,280 Speaker 2: that's where you come in. 465 00:22:29,440 --> 00:22:31,680 Speaker 1: That's the humble side of you. I'm trying to get 466 00:22:31,680 --> 00:22:33,760 Speaker 1: on this screen and tell the people you the man 467 00:22:35,240 --> 00:22:36,440 Speaker 1: can be talking. 468 00:22:37,000 --> 00:22:39,520 Speaker 3: I be talking to the man bread you the man. 469 00:22:40,040 --> 00:22:41,280 Speaker 3: Stop all this humble talk. 470 00:22:41,359 --> 00:22:45,160 Speaker 1: Brother, you on my show Money Making Conversation. 471 00:22:44,800 --> 00:22:48,360 Speaker 2: Master Class, because I want you to tell us how 472 00:22:48,440 --> 00:22:52,159 Speaker 2: we can get to you. How Northwestern Mutual is trying 473 00:22:52,160 --> 00:22:57,120 Speaker 2: to create a diverse environment investing in people like us, 474 00:22:57,320 --> 00:23:00,800 Speaker 2: so we walk in we feel comfortable with feel and powered. 475 00:23:01,400 --> 00:23:04,040 Speaker 2: That's a humbleness that you have in you. I'm just 476 00:23:04,080 --> 00:23:06,800 Speaker 2: trying to I'm trying to be your bullhorn, brother, that's all. 477 00:23:06,840 --> 00:23:09,439 Speaker 2: I'm trying to do your bullhorn. 478 00:23:09,680 --> 00:23:12,200 Speaker 4: I appreciate that. And here's why the temples all the time. 479 00:23:12,560 --> 00:23:14,760 Speaker 4: There really is no magic pill. I think we're looking 480 00:23:14,760 --> 00:23:17,480 Speaker 4: for one. But their answer. This is not me being humble. 481 00:23:17,480 --> 00:23:20,879 Speaker 4: It's just more like guys It really isn't complex. 482 00:23:21,000 --> 00:23:22,840 Speaker 3: It's very simple. Now it's hard. 483 00:23:22,920 --> 00:23:24,520 Speaker 4: Back to your point. But here's why I tell anybody 484 00:23:24,520 --> 00:23:27,760 Speaker 4: about hard. It's either going to be hard now or 485 00:23:27,800 --> 00:23:28,359 Speaker 4: hard later. 486 00:23:29,680 --> 00:23:32,800 Speaker 3: We'll choose you hard, so there will be some discipline. 487 00:23:32,920 --> 00:23:35,480 Speaker 4: I'm not saying, say, every penning to where you can't live, 488 00:23:35,560 --> 00:23:38,159 Speaker 4: because no, we're not guaranteed tomorrow, so we got to 489 00:23:38,160 --> 00:23:39,159 Speaker 4: live a little bit today. 490 00:23:39,440 --> 00:23:42,800 Speaker 3: But there may need to be some discipline because if you. 491 00:23:42,760 --> 00:23:45,239 Speaker 4: Want to be easy now, then the chances aren't it's 492 00:23:45,280 --> 00:23:46,160 Speaker 4: going to be hard later. 493 00:23:46,600 --> 00:23:48,280 Speaker 3: And if you want to be easy later, it may 494 00:23:48,280 --> 00:23:50,359 Speaker 3: be a little hard now. And there's some balance between 495 00:23:50,359 --> 00:23:50,720 Speaker 3: those two. 496 00:23:50,880 --> 00:23:53,760 Speaker 4: But that's really the magical equation is you got to 497 00:23:54,200 --> 00:23:57,960 Speaker 4: choose your hard where you can't avoid pain completely. I mean, 498 00:23:58,000 --> 00:24:00,000 Speaker 4: life is full of a lot of things up in then. 499 00:24:00,480 --> 00:24:03,280 Speaker 4: So it really is that simple. But I understand that 500 00:24:03,680 --> 00:24:26,320 Speaker 4: doesn't make it not hard. Well, Simpling had very different things. 501 00:24:28,480 --> 00:24:30,720 Speaker 2: I got next to my interview. I'm sending the frost 502 00:24:30,800 --> 00:24:33,000 Speaker 2: you in person. You're not gonna do this to me 503 00:24:33,080 --> 00:24:38,120 Speaker 2: on the screen. Simpling hard, okay, worry Simpling hard. Those 504 00:24:38,160 --> 00:24:40,080 Speaker 2: two different words, brothers. He trying to throw them in 505 00:24:40,160 --> 00:24:42,560 Speaker 2: the same sentence, ain't no wait. 506 00:24:43,880 --> 00:24:44,640 Speaker 3: I love it though. 507 00:24:44,920 --> 00:24:48,320 Speaker 2: I love it because I always like honest conversations on 508 00:24:48,359 --> 00:24:51,840 Speaker 2: this show. Because in the end, man, you know I'm 509 00:24:51,840 --> 00:24:55,720 Speaker 2: older than you, So I walked through step state. Eventually 510 00:24:55,760 --> 00:24:59,239 Speaker 2: you're going to walk in and mentorship. And I hear 511 00:24:59,320 --> 00:25:02,320 Speaker 2: that's what's happen. You hear he's on my show, money 512 00:25:02,359 --> 00:25:06,280 Speaker 2: Making Conversation. That's Brett test Nutt. He's the managing director 513 00:25:06,320 --> 00:25:09,200 Speaker 2: of Northwestern Mutual and good one and right, Goodnett. Thank you, 514 00:25:09,280 --> 00:25:11,960 Speaker 2: brother for coming on Money Making Conversation master Class, and 515 00:25:12,040 --> 00:25:14,960 Speaker 2: I appreciate you. And I just want to let you know, man, 516 00:25:16,160 --> 00:25:18,920 Speaker 2: being humble is a great brother. But if you need 517 00:25:18,960 --> 00:25:21,960 Speaker 2: a bullhorn, Rashaw McDonald got your back, brother. 518 00:25:22,320 --> 00:25:23,440 Speaker 1: And know this, this. 519 00:25:23,480 --> 00:25:25,320 Speaker 3: Is just one of many interviews. 520 00:25:24,880 --> 00:25:28,720 Speaker 2: Because what I don't do is like I establish relationships. 521 00:25:28,760 --> 00:25:30,480 Speaker 1: And I also know that you can only get a. 522 00:25:30,400 --> 00:25:36,720 Speaker 2: Message out is by continually showing that relationship. So three months, 523 00:25:37,080 --> 00:25:39,560 Speaker 2: let's talk again. And I know you have a different 524 00:25:39,560 --> 00:25:42,399 Speaker 2: strategy working out there. And if the world is going 525 00:25:42,440 --> 00:25:45,400 Speaker 2: to feel different, the stock market may be different, may 526 00:25:45,400 --> 00:25:47,760 Speaker 2: not have tarists who may have tarrants, but it's a 527 00:25:47,760 --> 00:25:51,119 Speaker 2: different global perspective and local perspective in the city of 528 00:25:51,160 --> 00:25:52,800 Speaker 2: Atlanta that we got to talk about. 529 00:25:53,000 --> 00:25:54,120 Speaker 1: Thank you for coming to my show. 530 00:25:54,640 --> 00:25:57,480 Speaker 2: This has been another edition of Money Making Conversation master 531 00:25:57,560 --> 00:26:00,760 Speaker 2: Class posted by me Rushawn McDonald. Thank you to our 532 00:26:00,800 --> 00:26:03,600 Speaker 2: guests on the show today and thank you for listening 533 00:26:03,600 --> 00:26:05,399 Speaker 2: to the audience now. If you want to listen to 534 00:26:05,440 --> 00:26:07,680 Speaker 2: any episode I want to be a guest on the show, 535 00:26:08,000 --> 00:26:12,440 Speaker 2: visit Moneymakingconversations dot com. Our social media handle is money 536 00:26:12,480 --> 00:26:15,719 Speaker 2: Making Conversation. Join us next week and remember to always 537 00:26:15,800 --> 00:26:16,760 Speaker 2: leave with your gifts. 538 00:26:17,080 --> 00:26:17,639 Speaker 1: Keep winning.