1 00:00:00,320 --> 00:00:03,960 Speaker 1: N P s C SAT average handling time. Sometimes taking 2 00:00:04,000 --> 00:00:06,800 Speaker 1: your brand's customer experience to the next level can seem 3 00:00:06,840 --> 00:00:09,880 Speaker 1: like an uphill battle filled with thorny metrics challenges. But 4 00:00:09,960 --> 00:00:12,600 Speaker 1: it doesn't have to be this way. Thanks to Ubiquity. 5 00:00:12,640 --> 00:00:16,640 Speaker 1: If you have call volume surges, seasonal staffing fluctuations, or 6 00:00:16,800 --> 00:00:20,720 Speaker 1: new service offerings, fill these holes with Ubiquity partner. You 7 00:00:20,720 --> 00:00:24,440 Speaker 1: can count on receive a free customized consultation at ubiquity 8 00:00:24,520 --> 00:00:27,760 Speaker 1: dot com. That's you, b I q U I t 9 00:00:28,080 --> 00:00:32,200 Speaker 1: y dot com. Piece of the planet, Charlemagne to God 10 00:00:32,240 --> 00:00:34,879 Speaker 1: here and you don't want to miss Hello Somebody with 11 00:00:35,000 --> 00:00:39,200 Speaker 1: Senator Nina Turner on The Black Effect podcast Network. I 12 00:00:39,280 --> 00:00:44,080 Speaker 1: love Hello Somebody simply because I love Nina Turner. She's fearless. 13 00:00:44,080 --> 00:00:49,280 Speaker 1: I'm Nina Turner, hell raising humanitarian, sister in the struggle 14 00:00:49,640 --> 00:00:55,360 Speaker 1: and recovering elected official. Listen to Hello Somebody every Thursday 15 00:00:55,400 --> 00:01:00,120 Speaker 1: on the Heart Radio at Apple podcast Oh wherever or 16 00:01:00,240 --> 00:01:03,920 Speaker 1: you get your podcast. I don't weary Forest Ranger Pitty 17 00:01:03,960 --> 00:01:07,120 Speaker 1: White here lending a hand on my dear friend Smokey 18 00:01:07,160 --> 00:01:11,120 Speaker 1: Bear because for years he's only said only you can 19 00:01:11,120 --> 00:01:14,480 Speaker 1: prevent wildfires. But there's a lot more to say, like 20 00:01:14,640 --> 00:01:17,280 Speaker 1: if you brought your car on tall dry grass, the 21 00:01:17,360 --> 00:01:21,000 Speaker 1: heart exhaust pipe can start a wildfire. So keep the 22 00:01:21,000 --> 00:01:24,760 Speaker 1: animals safe, especially the cute shirtless one. Go to Smokey 23 00:01:24,760 --> 00:01:28,000 Speaker 1: bear dot com to learn more about wildfire prevention. Brought 24 00:01:28,000 --> 00:01:30,520 Speaker 1: to you by the U. S. Forest Service, your state Forrester, 25 00:01:30,800 --> 00:01:33,520 Speaker 1: and the AD Council. My next guest is a longtime 26 00:01:33,560 --> 00:01:37,119 Speaker 1: friend um Houston, Texas. That's where I'm from. That's why, 27 00:01:37,480 --> 00:01:39,160 Speaker 1: That's why I met him at the Super Bowl. And 28 00:01:39,280 --> 00:01:41,240 Speaker 1: I don't really mean I just saw. I saw this 29 00:01:41,319 --> 00:01:43,720 Speaker 1: young brother cover from the back of the room performing man, 30 00:01:43,720 --> 00:01:46,720 Speaker 1: and uh, he just took my spirit in a good way. 31 00:01:47,000 --> 00:01:48,800 Speaker 1: And I've been a fan of his and I've been 32 00:01:48,840 --> 00:01:51,040 Speaker 1: blessed to have him on my show, Money Making Chris 33 00:01:51,160 --> 00:01:54,440 Speaker 1: Money Making Conversation. And his name is Locraiz The Crave 34 00:01:54,520 --> 00:01:56,960 Speaker 1: If you don't know, it was a multi Grammy or 35 00:01:56,960 --> 00:01:59,800 Speaker 1: what winning platinum selling artists. He has sold more than 36 00:02:00,040 --> 00:02:02,800 Speaker 1: readmillion copies and he has made history as the first 37 00:02:02,880 --> 00:02:05,200 Speaker 1: artist to have a number one album on both the 38 00:02:05,240 --> 00:02:09,880 Speaker 1: Billboard Top two hundred and Gospel album charts simultaneously. You 39 00:02:09,880 --> 00:02:12,840 Speaker 1: hear me that his first book, Unashamed is the New 40 00:02:12,880 --> 00:02:17,520 Speaker 1: York Times bestselling best seller in one of my favorite books. 41 00:02:18,120 --> 00:02:22,400 Speaker 1: His second book, I Am Restored, an honest, honest book man. However, 42 00:02:22,680 --> 00:02:25,359 Speaker 1: I lost my religion but found my faith. It's a 43 00:02:25,400 --> 00:02:28,040 Speaker 1: beautiful book. You should pick it up. It's available on Amazon, 44 00:02:28,200 --> 00:02:31,440 Speaker 1: available in bookstores online as well. He's the co owner 45 00:02:31,520 --> 00:02:34,360 Speaker 1: because he's an entrepreneur, co founder and president of Atlanta 46 00:02:34,400 --> 00:02:37,639 Speaker 1: based records Reach Records with the staff of nearly twenty 47 00:02:37,680 --> 00:02:40,040 Speaker 1: and a rostovo with ten artists, co owner the Major 48 00:02:40,160 --> 00:02:43,560 Speaker 1: Film Studio, and a partner of Atlanta based film production 49 00:02:43,960 --> 00:02:48,520 Speaker 1: Three Strands Films. Finally, Crai has partnered with financial education 50 00:02:48,600 --> 00:02:50,320 Speaker 1: company Board This Boy Here, I just want. I love 51 00:02:50,400 --> 00:02:54,280 Speaker 1: him Man Experience for a new six part YouTube series, 52 00:02:54,560 --> 00:02:59,359 Speaker 1: Protect the Bag, Protect the Bag, teaching his fans and everybody, 53 00:02:59,360 --> 00:03:01,760 Speaker 1: even if you're not a fan, how to establish a 54 00:03:01,840 --> 00:03:05,240 Speaker 1: financial legacy. In other words, it's all about man closing 55 00:03:05,280 --> 00:03:09,280 Speaker 1: that wealth gap that is existing between blacks and particularly whites, 56 00:03:09,800 --> 00:03:12,560 Speaker 1: people of color, in particular whites. That's what this is about, 57 00:03:12,840 --> 00:03:15,960 Speaker 1: and holding on and protecting the ways you can improve 58 00:03:16,000 --> 00:03:18,480 Speaker 1: your credit score, which is the basis of how you 59 00:03:18,520 --> 00:03:21,200 Speaker 1: can just succeed in life. The new series debated over 60 00:03:21,200 --> 00:03:24,840 Speaker 1: the night. Second series aired last Tuesday, and with premiere 61 00:03:25,160 --> 00:03:28,200 Speaker 1: new episodes each Tuesday at seven pm Eastern Standard Time 62 00:03:28,280 --> 00:03:31,880 Speaker 1: through December four. Please welcome to My Money Making Conversation 63 00:03:31,919 --> 00:03:36,960 Speaker 1: again the Craiz doing the Craig's going on here, Man, 64 00:03:37,000 --> 00:03:40,560 Speaker 1: appreciate having all the time, Crez. You know. You know 65 00:03:40,680 --> 00:03:43,920 Speaker 1: it's because we've we've had some dramatic good moments on 66 00:03:43,960 --> 00:03:45,960 Speaker 1: the show, you know, so this is gonna be one 67 00:03:46,000 --> 00:03:48,280 Speaker 1: of the first time we're gonna be up to have fun, 68 00:03:48,520 --> 00:03:51,600 Speaker 1: you know. And because your books, man, are always motivating, 69 00:03:51,920 --> 00:03:54,440 Speaker 1: but they're also so honest, man, because you so authentic 70 00:03:54,520 --> 00:03:56,760 Speaker 1: in you and I won't use the word deep, but 71 00:03:56,800 --> 00:03:58,880 Speaker 1: you're just telling the truth. And sometimes when you tell 72 00:03:58,920 --> 00:04:01,240 Speaker 1: the truth, it doesn't always have a smile on it. 73 00:04:01,640 --> 00:04:04,480 Speaker 1: So why why, that's why why is there so much 74 00:04:04,720 --> 00:04:08,200 Speaker 1: that high level of authenticity when you're telling stories, especially 75 00:04:08,280 --> 00:04:11,400 Speaker 1: the written word. You know what it is? I think 76 00:04:12,200 --> 00:04:17,880 Speaker 1: I want people to experience freedom, and sometimes, you know, 77 00:04:18,680 --> 00:04:20,919 Speaker 1: you gotta show off your scars for other people to 78 00:04:21,000 --> 00:04:23,840 Speaker 1: realize that healing is possible. So so I want to 79 00:04:23,880 --> 00:04:26,839 Speaker 1: be vulnerable so people can see like, oh, those are 80 00:04:26,920 --> 00:04:29,039 Speaker 1: some of the wrong terms you made, so I don't 81 00:04:29,040 --> 00:04:31,520 Speaker 1: have to make them, you know, and then they can 82 00:04:31,520 --> 00:04:33,839 Speaker 1: make the right terms. And that's how we grow, and 83 00:04:33,839 --> 00:04:36,599 Speaker 1: that's how we learn. Well, I know that I've learned. 84 00:04:36,680 --> 00:04:39,880 Speaker 1: I always tell people I wake up dumb. I tell 85 00:04:39,880 --> 00:04:42,479 Speaker 1: people I wake up dumb. So I can be willing 86 00:04:42,520 --> 00:04:45,200 Speaker 1: to accept information because you wake up thinking you know 87 00:04:45,279 --> 00:04:48,359 Speaker 1: it all. Then guess what, you ignore the the truth 88 00:04:48,400 --> 00:04:50,359 Speaker 1: a lot of ways because you you feel that I 89 00:04:50,400 --> 00:04:52,240 Speaker 1: got that. You've heard that phrase, well I got that, 90 00:04:52,279 --> 00:04:54,520 Speaker 1: I got that. The people wave you off and that 91 00:04:54,560 --> 00:04:56,080 Speaker 1: can be a mistake a lot of times because a 92 00:04:56,080 --> 00:04:58,880 Speaker 1: lot of people can provide information and you've always, through 93 00:04:58,920 --> 00:05:02,679 Speaker 1: your music for been an outlet for information, uh, whether 94 00:05:02,760 --> 00:05:06,280 Speaker 1: it's on tour, whether it's in your lyrics, whether it 95 00:05:06,440 --> 00:05:09,440 Speaker 1: is as a mentor. Talk about that responsibility in the 96 00:05:09,520 --> 00:05:12,400 Speaker 1: Craize because it takes you down emotionally a little bit, 97 00:05:12,480 --> 00:05:14,600 Speaker 1: because we've been there on our interviews how I can 98 00:05:14,600 --> 00:05:19,039 Speaker 1: take you down. But that's a responsibility you're not running from, right, No, 99 00:05:19,360 --> 00:05:21,120 Speaker 1: I mean you know, I just know what it's like 100 00:05:21,240 --> 00:05:23,760 Speaker 1: to not have those mentors, to not have those voices 101 00:05:23,800 --> 00:05:26,640 Speaker 1: to help me when I'm navigating stuff. And so if 102 00:05:26,640 --> 00:05:29,760 Speaker 1: I can help people avoid those pitfalls, then then I 103 00:05:29,839 --> 00:05:31,760 Speaker 1: want to do it. And plus that's just part of 104 00:05:31,800 --> 00:05:33,960 Speaker 1: being a leader. That's that's part of you know, the 105 00:05:35,440 --> 00:05:38,680 Speaker 1: mantle that I wear. You know. Uh, everybody says, well, 106 00:05:38,720 --> 00:05:40,640 Speaker 1: I ain't no leader. You're a leaders if you if 107 00:05:40,640 --> 00:05:43,080 Speaker 1: you ahead of somebody, if somebody's behind you, with somebody's 108 00:05:43,120 --> 00:05:45,640 Speaker 1: following you leading whether you want to or not, So 109 00:05:45,720 --> 00:05:48,720 Speaker 1: somebody's always watching you, so you're always leading. So it's 110 00:05:48,760 --> 00:05:50,320 Speaker 1: just you know, for me, it's like, all right, well 111 00:05:50,360 --> 00:05:53,120 Speaker 1: let me just take responsibility and uh and just try 112 00:05:53,160 --> 00:05:56,120 Speaker 1: to help people so that that they're seiling, my ceiling 113 00:05:56,240 --> 00:05:59,040 Speaker 1: is their floor, right. You know. The interesting thing about 114 00:05:59,080 --> 00:06:01,360 Speaker 1: it when I look at the Craig, because I'm a 115 00:06:01,440 --> 00:06:06,400 Speaker 1: former entertainer, you know, like left IBM pursue the careers 116 00:06:06,440 --> 00:06:08,520 Speaker 1: of standard comedian. So I've been on stage in front 117 00:06:08,520 --> 00:06:10,599 Speaker 1: of twenty thousand people, I've been on stage in front 118 00:06:10,600 --> 00:06:13,760 Speaker 1: of five thousand people, four thousand, three hundred people. There's 119 00:06:13,760 --> 00:06:16,440 Speaker 1: a certain rush you get when you get that. And 120 00:06:16,480 --> 00:06:18,920 Speaker 1: now that he's a businessman, there's a certain rush he's 121 00:06:18,920 --> 00:06:21,480 Speaker 1: getting for that. But it's not like what I saw 122 00:06:21,560 --> 00:06:24,279 Speaker 1: when I saw him in Houston, texta that that artist 123 00:06:24,360 --> 00:06:27,200 Speaker 1: that captivated my spirit and I didn't even know who 124 00:06:27,240 --> 00:06:33,000 Speaker 1: you were. Man, So fueling that live performance energy that 125 00:06:33,080 --> 00:06:35,520 Speaker 1: you get there and now being a business person, how 126 00:06:35,640 --> 00:06:39,479 Speaker 1: you're navigating both emotions. Look Craiz that you know what 127 00:06:39,520 --> 00:06:42,799 Speaker 1: it is. And I just like winning. You know, everybody's 128 00:06:42,800 --> 00:06:45,800 Speaker 1: addicted to winning and conquering something and seeing something in 129 00:06:45,839 --> 00:06:48,120 Speaker 1: front of you, and you know, having a vision, having 130 00:06:48,120 --> 00:06:51,039 Speaker 1: a dream and being able to accomplish it. You know, 131 00:06:51,080 --> 00:06:54,960 Speaker 1: I like accomplishing goals and so uh, when you're connected 132 00:06:55,000 --> 00:06:57,120 Speaker 1: with a person through music, you feel like you're accomplishing 133 00:06:57,120 --> 00:06:59,120 Speaker 1: the goal. And at the same time, when you make 134 00:06:59,120 --> 00:07:01,440 Speaker 1: a business decision or strategy and you see it work, 135 00:07:01,560 --> 00:07:03,560 Speaker 1: you felt like you're accomplishing the goal. And so that 136 00:07:03,720 --> 00:07:07,000 Speaker 1: that's that's the part that's addictive and inspiring for me. 137 00:07:07,720 --> 00:07:09,720 Speaker 1: You know the fun part about it when people come 138 00:07:09,720 --> 00:07:12,280 Speaker 1: on my show, because you know, I I do my research. 139 00:07:12,320 --> 00:07:14,680 Speaker 1: You know that people will send me a little bit over. 140 00:07:14,760 --> 00:07:17,760 Speaker 1: I want to because I think that the word people 141 00:07:17,800 --> 00:07:19,920 Speaker 1: to use is your flowers, you know, showing you your 142 00:07:19,920 --> 00:07:22,440 Speaker 1: blessings and so so because a lot of times we 143 00:07:22,520 --> 00:07:24,520 Speaker 1: just grind. Because you're a grinder, I know, that for 144 00:07:24,600 --> 00:07:26,400 Speaker 1: a fact. Every time I talk to you, grinding like 145 00:07:26,440 --> 00:07:29,360 Speaker 1: to you grinding with experience right now, we protect the bag, 146 00:07:29,440 --> 00:07:31,200 Speaker 1: you know, and then next time I talk to you're 147 00:07:31,200 --> 00:07:33,200 Speaker 1: gonna be it might be the third book we're talking about, 148 00:07:33,560 --> 00:07:36,640 Speaker 1: might be acting in other of a series, because that's 149 00:07:36,640 --> 00:07:39,920 Speaker 1: your that's show m oh and that's a positive. Folks. Don't. 150 00:07:40,120 --> 00:07:41,960 Speaker 1: Don't get me wrong, because a lot of people say, oh, 151 00:07:41,960 --> 00:07:44,600 Speaker 1: he do too much. I'm gonna tell the man lones 152 00:07:44,720 --> 00:07:47,280 Speaker 1: guard allows you to be alive. You're supposed to do 153 00:07:47,360 --> 00:07:50,960 Speaker 1: too much because there's no time on when you might 154 00:07:50,960 --> 00:07:53,040 Speaker 1: not be here. I always tell people I'm over fifty. 155 00:07:53,480 --> 00:07:55,680 Speaker 1: I say I'm on the downside of dyeing, and I 156 00:07:55,760 --> 00:07:57,560 Speaker 1: tell people that, hey, but I ain't gonna live to it, 157 00:07:57,760 --> 00:07:59,960 Speaker 1: you know, so I can't. Ain't got too many more 158 00:08:00,040 --> 00:08:03,080 Speaker 1: years like putting me. But that's an honest talk. L Craiz, okay, 159 00:08:03,080 --> 00:08:06,120 Speaker 1: And I'm not saying that is a defeatus. But the 160 00:08:06,160 --> 00:08:08,680 Speaker 1: realization is, I'm gonna put my time in when I 161 00:08:08,680 --> 00:08:10,960 Speaker 1: talk to Craiz. I'm gonna put my time in talking 162 00:08:10,960 --> 00:08:13,480 Speaker 1: to you. So you're younger at me, Why are you 163 00:08:13,520 --> 00:08:16,960 Speaker 1: putting so much time in the Craig Man, because the 164 00:08:17,040 --> 00:08:21,000 Speaker 1: folks like you this the knowledge you're kicking. I'm like, oh, well, shoot, 165 00:08:21,080 --> 00:08:24,320 Speaker 1: that's perspective. Let me go. And then, you know, I 166 00:08:24,400 --> 00:08:27,440 Speaker 1: have been fortunate. You know. I bought a building um 167 00:08:28,040 --> 00:08:32,480 Speaker 1: near downtown Atlanta, and the gentleman who sold me the property, 168 00:08:32,920 --> 00:08:34,560 Speaker 1: I was like, man, why are you selling me this 169 00:08:34,640 --> 00:08:36,720 Speaker 1: property at this price? You know, because it was a 170 00:08:36,760 --> 00:08:38,920 Speaker 1: really good price for what he was selling it to me. 171 00:08:39,160 --> 00:08:41,320 Speaker 1: And he said something very similar. He said, you know, man, 172 00:08:41,360 --> 00:08:45,040 Speaker 1: I'm upwards and seventy years old, and I'm not I've 173 00:08:45,040 --> 00:08:47,760 Speaker 1: made my money. I want to enjoy it. You know, 174 00:08:47,920 --> 00:08:50,160 Speaker 1: I'm not gonna be here for another ten years or 175 00:08:50,160 --> 00:08:53,160 Speaker 1: twenty years to see this property turnover and make double 176 00:08:53,240 --> 00:08:55,120 Speaker 1: what I sold it to you for. So it's no 177 00:08:55,200 --> 00:08:57,079 Speaker 1: point in me holding onto it. And he said, you 178 00:08:57,160 --> 00:09:00,480 Speaker 1: got time, and so maximize your time. You hold onto it, 179 00:09:00,559 --> 00:09:03,520 Speaker 1: you develop it, and you got twenty years to see 180 00:09:03,559 --> 00:09:05,319 Speaker 1: it come to fruition to where you can take that 181 00:09:05,400 --> 00:09:07,640 Speaker 1: money and go enjoy it. And so I was like, man, 182 00:09:07,640 --> 00:09:09,880 Speaker 1: that's inspired. It's a perspective I've never had. So man, 183 00:09:09,880 --> 00:09:12,760 Speaker 1: I gotta yeah, while I'm here, let's go. Well, you know, 184 00:09:13,200 --> 00:09:14,920 Speaker 1: you know because you know, I bought a building here 185 00:09:14,960 --> 00:09:17,760 Speaker 1: in Atlanta, just like you, And I just want to 186 00:09:17,760 --> 00:09:20,000 Speaker 1: put people in perspect her about that because you know 187 00:09:20,280 --> 00:09:23,040 Speaker 1: the CRAI because you have to have I've leased at 188 00:09:23,080 --> 00:09:25,679 Speaker 1: different places. I have places that we worked, I had 189 00:09:25,720 --> 00:09:30,000 Speaker 1: places in the spaces and so multiple offices. But when 190 00:09:30,040 --> 00:09:32,200 Speaker 1: you tell people, just like he just said that casually 191 00:09:32,240 --> 00:09:35,280 Speaker 1: I bought a building, man, people ain't ready for that. 192 00:09:35,320 --> 00:09:36,920 Speaker 1: If you could. People know you can buy a house, 193 00:09:37,320 --> 00:09:39,800 Speaker 1: they know you can buy a call, they know you 194 00:09:39,840 --> 00:09:42,200 Speaker 1: can buy alline ticket. But when you tell people you 195 00:09:42,240 --> 00:09:43,760 Speaker 1: bought a building the create they look at you a 196 00:09:43,800 --> 00:09:49,240 Speaker 1: little bit different, don't that And that's a beautiful thing 197 00:09:49,360 --> 00:09:52,920 Speaker 1: because that's what as minorities, as people of color, we 198 00:09:53,040 --> 00:09:56,000 Speaker 1: gotta have that as part of our vernacular. So it 199 00:09:56,040 --> 00:09:58,760 Speaker 1: won't feel strange. It won't feel strange that you know, 200 00:09:58,840 --> 00:10:01,840 Speaker 1: we're invested in st It won't feel strange that we 201 00:10:01,920 --> 00:10:05,640 Speaker 1: have portfolio financial portfolios. And that leads us back to 202 00:10:05,720 --> 00:10:09,120 Speaker 1: why you really came on the show today, Protect the Bag. 203 00:10:10,600 --> 00:10:13,080 Speaker 1: How did you come about it? You know experience, you 204 00:10:13,120 --> 00:10:15,560 Speaker 1: know you get your credit scores there, it's a financial 205 00:10:15,640 --> 00:10:18,280 Speaker 1: education company. How did you get into the whole process 206 00:10:18,280 --> 00:10:24,200 Speaker 1: with Experience. Yeah. So the backstory is that I was 207 00:10:24,240 --> 00:10:27,439 Speaker 1: getting offered a lot of um, you know, opportunities to 208 00:10:27,520 --> 00:10:30,600 Speaker 1: be in films, and I didn't understand the film industry. 209 00:10:30,760 --> 00:10:32,920 Speaker 1: So I said, let me back up. And when I 210 00:10:33,000 --> 00:10:34,240 Speaker 1: learned a little bit, I said, let me start my 211 00:10:34,280 --> 00:10:37,360 Speaker 1: own production company. And once I had a production company, 212 00:10:37,600 --> 00:10:40,000 Speaker 1: UM Experience had reached out and said, hey, we like 213 00:10:40,080 --> 00:10:43,040 Speaker 1: you to host something for us. Can you do you 214 00:10:43,080 --> 00:10:45,679 Speaker 1: know any creative production companies that would be able to 215 00:10:45,679 --> 00:10:47,719 Speaker 1: pull it off? And I said, I sure, do you know, 216 00:10:49,080 --> 00:10:52,560 Speaker 1: I have one of mine. And you know, I was like, 217 00:10:52,600 --> 00:10:56,360 Speaker 1: this is this perfectly aligned because my production team and myself, 218 00:10:56,640 --> 00:10:58,800 Speaker 1: you know, my partner and I have been really heavy 219 00:10:58,880 --> 00:11:03,000 Speaker 1: on trying to close this this this wealth gap. And 220 00:11:03,120 --> 00:11:07,160 Speaker 1: so obviously Experience has some desires. They want to educate 221 00:11:07,160 --> 00:11:09,120 Speaker 1: people on credit, and then I have some desires. I 222 00:11:09,160 --> 00:11:11,600 Speaker 1: want to see, you know, the black community understand the 223 00:11:11,679 --> 00:11:14,600 Speaker 1: power of the dollar, the power of our dollar, and 224 00:11:14,720 --> 00:11:16,840 Speaker 1: um how to protect it and how to you know, 225 00:11:16,960 --> 00:11:20,840 Speaker 1: invest it. And so those things aligned and we work 226 00:11:20,920 --> 00:11:24,200 Speaker 1: together to create something that would continue teaching people about 227 00:11:24,240 --> 00:11:28,280 Speaker 1: how to invest and protected their money. Now and you know, 228 00:11:28,640 --> 00:11:31,520 Speaker 1: the whole thing about investing, protecting. Like I said, you know, 229 00:11:31,880 --> 00:11:35,680 Speaker 1: I'm older than you, so I've I've spent money that 230 00:11:35,920 --> 00:11:38,560 Speaker 1: I shouldn't have spent. But guess what I had it. 231 00:11:39,120 --> 00:11:42,160 Speaker 1: You know, I've had an extra car I couldn't drive, 232 00:11:42,280 --> 00:11:45,600 Speaker 1: but I had it. So but one thing I did 233 00:11:45,720 --> 00:11:48,480 Speaker 1: have the care Ever since I was eighteen, I understood 234 00:11:48,520 --> 00:11:52,199 Speaker 1: my credit. I protected it. I held don't do it, man. 235 00:11:52,320 --> 00:11:55,600 Speaker 1: I I understood what a credit card meant for. Just 236 00:11:55,640 --> 00:11:58,800 Speaker 1: somewhere in my mind, my DNA and my process said 237 00:11:59,080 --> 00:12:02,160 Speaker 1: credit was in poor to me. And it's always sustained 238 00:12:02,200 --> 00:12:05,360 Speaker 1: me through my whole life. It's been my badge, of 239 00:12:05,920 --> 00:12:09,360 Speaker 1: my badge of authenticity, my badger be would tell you 240 00:12:09,600 --> 00:12:12,920 Speaker 1: my credit scores over eight hundred and and then I 241 00:12:12,920 --> 00:12:16,040 Speaker 1: don't even blink. Now, you know, people go, wow, you 242 00:12:16,160 --> 00:12:18,560 Speaker 1: got good. Yeah, a twenty. I average a twenty on 243 00:12:18,559 --> 00:12:22,040 Speaker 1: the regular basis, and so that's that's something I brag about. 244 00:12:22,480 --> 00:12:24,960 Speaker 1: So when you're trying to do protect the bag, how 245 00:12:25,000 --> 00:12:29,319 Speaker 1: do people get involved with the whole process besides viewing it? Okay, 246 00:12:29,400 --> 00:12:32,679 Speaker 1: because we see so many commercials now about you know, 247 00:12:32,840 --> 00:12:35,440 Speaker 1: how they can raise your score real quick, you know. 248 00:12:35,559 --> 00:12:37,439 Speaker 1: But there's a process to that, and that's what the 249 00:12:37,559 --> 00:12:41,400 Speaker 1: serious is all about, correct, right, absolutely, Yeah, it's it's 250 00:12:41,480 --> 00:12:44,120 Speaker 1: it's really beginning to take some steps, and we're giving 251 00:12:44,120 --> 00:12:46,920 Speaker 1: people casual steps to take, you know, telling people to 252 00:12:46,920 --> 00:12:48,480 Speaker 1: put their money to work for them, you know, treat 253 00:12:48,520 --> 00:12:52,040 Speaker 1: your money like it's an employee. UM. Also telling people 254 00:12:52,280 --> 00:12:55,520 Speaker 1: to to not see credit as as consumption but see 255 00:12:55,520 --> 00:12:58,640 Speaker 1: it as capital. How can your credit UM, Like if 256 00:12:58,679 --> 00:13:01,680 Speaker 1: you have a credit card or whatnot, How is that 257 00:13:02,120 --> 00:13:04,600 Speaker 1: building something instead of just consuming you If you're just 258 00:13:04,640 --> 00:13:08,160 Speaker 1: consuming money, UM, it's not building your credit. If you 259 00:13:08,240 --> 00:13:10,280 Speaker 1: if you have credit with the intention of building it 260 00:13:10,400 --> 00:13:12,720 Speaker 1: so that you can do more things. That's a different 261 00:13:12,800 --> 00:13:17,400 Speaker 1: mindset to have. UM. Teaching people to pay their mortgage, 262 00:13:17,760 --> 00:13:20,800 Speaker 1: you know, twice a month. Just split the mortgage payment 263 00:13:20,800 --> 00:13:23,880 Speaker 1: in half and what that does is that drives the 264 00:13:24,440 --> 00:13:26,880 Speaker 1: interest down that you ended up having to pay. UM. 265 00:13:26,880 --> 00:13:30,280 Speaker 1: And just simple principles that people can learn to help them. 266 00:13:30,400 --> 00:13:33,000 Speaker 1: Teaching people to pay a little bit more on certain 267 00:13:33,040 --> 00:13:35,760 Speaker 1: bills UM, and just helping them understand what it means 268 00:13:35,760 --> 00:13:38,480 Speaker 1: to even establish credit, because some folks don't even have credit. 269 00:13:38,480 --> 00:13:40,319 Speaker 1: They think I don't want to touch it because I 270 00:13:40,640 --> 00:13:42,840 Speaker 1: don't want no credit, I don't want no problems with it, 271 00:13:42,880 --> 00:13:44,720 Speaker 1: but you have to establish it in order to have 272 00:13:44,760 --> 00:13:47,079 Speaker 1: good credit. We will be right back with more money 273 00:13:47,080 --> 00:13:52,120 Speaker 1: making conversation with Rashan McDonald. It's finally here, the season 274 00:13:52,240 --> 00:13:55,480 Speaker 1: of celebration, and no matter how you celebrate with family 275 00:13:55,520 --> 00:13:59,000 Speaker 1: and friends, whether you're preparing for rays, magos or Karamu, 276 00:13:59,280 --> 00:14:01,960 Speaker 1: lighting them a new ara, are going to midnight mass, 277 00:14:02,160 --> 00:14:05,600 Speaker 1: Coals has just what you need to make those traditions special. 278 00:14:05,960 --> 00:14:09,000 Speaker 1: Plus you'll find gifts for all your loved ones. Send 279 00:14:09,120 --> 00:14:13,360 Speaker 1: warm wishes with cozy fleeces, sweaters, loungeware, blankets and throws. 280 00:14:13,720 --> 00:14:17,280 Speaker 1: Support minority owned or founded brands by giving gifts from 281 00:14:17,400 --> 00:14:20,960 Speaker 1: Human Nation and shame moisture, or treat them to everyone's 282 00:14:20,960 --> 00:14:25,120 Speaker 1: favorite activewear from top brands like Nike, Adidas, and under Armour. 283 00:14:25,520 --> 00:14:28,840 Speaker 1: And in the spirit of giving, Coals Cares is donating 284 00:14:28,880 --> 00:14:32,680 Speaker 1: eight million dollars to local nonprofits nationwide committed to the 285 00:14:32,720 --> 00:14:35,800 Speaker 1: health and well being of our communities. No matter how 286 00:14:35,840 --> 00:14:39,040 Speaker 1: you celebrate, when you shop at Coals, you're right where 287 00:14:39,040 --> 00:14:42,440 Speaker 1: you belong. So this season, give with all your heart 288 00:14:42,560 --> 00:14:45,960 Speaker 1: with great gifts from Coals or Coals dot com and 289 00:14:46,080 --> 00:14:49,760 Speaker 1: we're live here outside the Perez family home, just waiting 290 00:14:49,800 --> 00:14:53,040 Speaker 1: for them. And there they go, almost on time. This morning. 291 00:14:53,160 --> 00:14:55,520 Speaker 1: Mom is coming off the front door, strong with a 292 00:14:55,560 --> 00:14:58,400 Speaker 1: double arm kid carry. Looks like Dad has the bags 293 00:14:58,480 --> 00:15:01,280 Speaker 1: daughter he is bringing up the rear. Oh, but the 294 00:15:01,360 --> 00:15:06,520 Speaker 1: diaper bag wasn't closed. Diapers and toys are everywhere. Oh 295 00:15:07,040 --> 00:15:10,120 Speaker 1: but mom has just nailed the perfect car seat buckle 296 00:15:10,240 --> 00:15:13,320 Speaker 1: for the toddler. And now the eldest daughter, who looks 297 00:15:13,320 --> 00:15:15,960 Speaker 1: to be about nine or ten, has secured herself in 298 00:15:16,000 --> 00:15:20,520 Speaker 1: the booster seat. Dad SIPs the bad clothes and they're off. Ah, 299 00:15:20,520 --> 00:15:22,880 Speaker 1: but looks like Mom doesn't realize her coffee cup is 300 00:15:22,920 --> 00:15:27,080 Speaker 1: still on the roof of the car and there it goes. Oh, 301 00:15:27,560 --> 00:15:30,520 Speaker 1: that's a shame that mug was a fan favorite. Don't 302 00:15:30,520 --> 00:15:33,080 Speaker 1: sweat the small stuff. Just nailed the big stuff, like 303 00:15:33,160 --> 00:15:34,960 Speaker 1: making sure your kids are buckled correctly in the right 304 00:15:34,960 --> 00:15:37,120 Speaker 1: seat for their agent's eyes. Learn more n h t 305 00:15:37,280 --> 00:15:39,840 Speaker 1: s A dot gov slash the Right Seat visits h 306 00:15:40,520 --> 00:15:43,800 Speaker 1: s A dot gov slash The Right Seat brought to 307 00:15:43,840 --> 00:15:46,440 Speaker 1: you by NITZA and the ad Council. Look to your 308 00:15:46,520 --> 00:15:49,720 Speaker 1: children's eyes to see the true magic of a forest. 309 00:15:50,080 --> 00:15:53,200 Speaker 1: It's a storybook world for them. You look and see 310 00:15:53,200 --> 00:15:56,200 Speaker 1: a tree, They see the wrinkled face of a wizard 311 00:15:56,360 --> 00:15:59,600 Speaker 1: with arms outstretched to the sky. They see treasure and 312 00:15:59,680 --> 00:16:03,400 Speaker 1: peb they see a windy path that could lead to adventure, 313 00:16:03,760 --> 00:16:08,200 Speaker 1: and they see you. They're fearless. Guide. Is this fascinating world? 314 00:16:08,560 --> 00:16:11,400 Speaker 1: Find a forest near you and start exploring and discover 315 00:16:11,480 --> 00:16:13,720 Speaker 1: the forest dot Orgon brought to you by the United 316 00:16:13,760 --> 00:16:17,520 Speaker 1: States for Service and the Council. Now let's return to 317 00:16:17,640 --> 00:16:20,800 Speaker 1: money making conversation with Rashan McDonald. But let's go back 318 00:16:20,800 --> 00:16:23,160 Speaker 1: a little bit before we because you in order to 319 00:16:23,240 --> 00:16:28,400 Speaker 1: have a conversation about being successful, the gard theer's a 320 00:16:28,440 --> 00:16:30,360 Speaker 1: love of respect because you know, you just can't just 321 00:16:30,400 --> 00:16:33,040 Speaker 1: start talking about having good credit or talking about people 322 00:16:33,160 --> 00:16:35,680 Speaker 1: less you have a successful track. For I mentioned some 323 00:16:35,760 --> 00:16:38,400 Speaker 1: of the things. You know, three million copies and number 324 00:16:38,400 --> 00:16:40,880 Speaker 1: one the artists are both from gospel and be a board. 325 00:16:41,160 --> 00:16:45,640 Speaker 1: But then to be an employer, that responsibility, you know, 326 00:16:46,000 --> 00:16:50,840 Speaker 1: understanding hr, understanding the health plans, understanding all these little things. 327 00:16:51,520 --> 00:16:53,760 Speaker 1: Let's walk through these steps. Because we mentioned three companies, 328 00:16:53,800 --> 00:16:55,880 Speaker 1: I want to talk about those three companies because that 329 00:16:56,000 --> 00:17:00,000 Speaker 1: has played a role and you being the expert voice. Oh, 330 00:17:00,000 --> 00:17:02,360 Speaker 1: protect the bag because people need to understand that because 331 00:17:02,560 --> 00:17:04,360 Speaker 1: they will see you as an artist. And I think 332 00:17:04,359 --> 00:17:08,320 Speaker 1: that's disrespectful in a lot of ways because yes, your 333 00:17:08,359 --> 00:17:13,119 Speaker 1: famous name got you here, but it's your your entrepreneurial 334 00:17:13,240 --> 00:17:16,560 Speaker 1: and your business accuum that has allowed us to listen 335 00:17:16,600 --> 00:17:20,320 Speaker 1: to you take this advice, Reach your reach your Reach 336 00:17:20,359 --> 00:17:23,359 Speaker 1: Records to talk about that. Yeah, so Reach Records is 337 00:17:23,400 --> 00:17:27,200 Speaker 1: an independent label. Um, we are going on. Uh man, 338 00:17:27,280 --> 00:17:29,600 Speaker 1: I've been doing this since I was a kid, you know, 339 00:17:29,680 --> 00:17:32,600 Speaker 1: coming out of college and so you know that's that's 340 00:17:32,720 --> 00:17:38,520 Speaker 1: over fifteen years of running a successful label. Um. You know, 341 00:17:40,080 --> 00:17:43,720 Speaker 1: by God's grace, we have always been profitable. And that's 342 00:17:43,720 --> 00:17:47,119 Speaker 1: just a beautiful thing. Um. One of the things that 343 00:17:47,160 --> 00:17:51,120 Speaker 1: I would say is is, uh, I realized early on 344 00:17:51,960 --> 00:17:57,199 Speaker 1: that I was not gonna sit around and wait for uh, 345 00:17:57,280 --> 00:18:00,600 Speaker 1: somebody to embrace what I was doing. I was just 346 00:18:00,600 --> 00:18:02,959 Speaker 1: gonna do it myself. If nobody believed in it, then 347 00:18:03,000 --> 00:18:05,920 Speaker 1: it's just let's just do it ourselves, you know. Um. 348 00:18:05,960 --> 00:18:10,280 Speaker 1: So I remember creating products and and and albums and 349 00:18:10,320 --> 00:18:13,600 Speaker 1: people are like, well it's a little too you know, 350 00:18:13,800 --> 00:18:17,199 Speaker 1: street for the church, a little to church for a street, 351 00:18:17,359 --> 00:18:19,800 Speaker 1: there's not really a lane for you. Fine, I create 352 00:18:19,840 --> 00:18:22,280 Speaker 1: my own lane, right, And that's what we did because 353 00:18:22,320 --> 00:18:24,480 Speaker 1: I knew there were other people like me who you know, 354 00:18:24,560 --> 00:18:26,840 Speaker 1: would have appreciated what I did. And so we've been 355 00:18:26,920 --> 00:18:29,560 Speaker 1: running the label and we made some decisions early on 356 00:18:29,680 --> 00:18:31,800 Speaker 1: that really protected us and helped us. And we're brown, 357 00:18:32,040 --> 00:18:34,280 Speaker 1: you know, we were young when we started, and we've 358 00:18:34,320 --> 00:18:36,000 Speaker 1: just had to grow over the years. And now, like 359 00:18:36,080 --> 00:18:38,720 Speaker 1: you said, we got over ten artists and it's learning 360 00:18:38,720 --> 00:18:40,280 Speaker 1: how to take care of them and learning how to 361 00:18:40,560 --> 00:18:42,600 Speaker 1: you know, teach them, and I'm just trying to continue 362 00:18:42,600 --> 00:18:44,760 Speaker 1: to pass that on. And then one thing I will 363 00:18:44,840 --> 00:18:49,080 Speaker 1: say is, yes, I've learned a lot. My acumen has risen. 364 00:18:49,119 --> 00:18:51,399 Speaker 1: But one of the best things I've learned is to 365 00:18:51,520 --> 00:18:54,879 Speaker 1: staff my weaknesses. You can't be good at everything, and 366 00:18:54,960 --> 00:18:57,400 Speaker 1: so if you know you're not good at it, staff 367 00:18:57,560 --> 00:19:00,280 Speaker 1: that person and put them in a position to help 368 00:19:00,320 --> 00:19:03,199 Speaker 1: you achieve what you want to achieve. You know, you 369 00:19:03,200 --> 00:19:04,960 Speaker 1: didn't have a name on this. You said, a co 370 00:19:05,160 --> 00:19:09,880 Speaker 1: own over a major film studio. Yes, okay, keep name. 371 00:19:10,000 --> 00:19:11,960 Speaker 1: We can talk about that and we're gonna keep that 372 00:19:12,040 --> 00:19:14,160 Speaker 1: a mystery and just say your co owner of a 373 00:19:14,160 --> 00:19:19,199 Speaker 1: major film studio. I mean you know, you know that 374 00:19:19,280 --> 00:19:21,520 Speaker 1: I would go let that slide that you know I 375 00:19:21,560 --> 00:19:23,560 Speaker 1: got all these titles, but like get to that one 376 00:19:23,880 --> 00:19:28,200 Speaker 1: co own off a major film studio. Yeah, so that 377 00:19:29,040 --> 00:19:35,080 Speaker 1: I mean, you know that was really just um, I 378 00:19:35,119 --> 00:19:37,080 Speaker 1: don't even know how to put it. Put that one 379 00:19:37,119 --> 00:19:40,760 Speaker 1: to you. You know. I guess for me, that wasn't 380 00:19:40,960 --> 00:19:44,639 Speaker 1: that wasn't not my agenda. Um. It was more so 381 00:19:45,320 --> 00:19:48,480 Speaker 1: knowing the right people and that it put me in 382 00:19:48,560 --> 00:19:52,880 Speaker 1: a unique position, um to be a part of an 383 00:19:52,920 --> 00:19:56,840 Speaker 1: investment deal. And and I said, wait a minute, is 384 00:19:56,880 --> 00:19:58,920 Speaker 1: this a reality? You know it is? It is this 385 00:19:59,000 --> 00:20:01,680 Speaker 1: film studio which will remain name with some don't want 386 00:20:01,680 --> 00:20:05,239 Speaker 1: to put it out there, but um, you know there 387 00:20:05,280 --> 00:20:07,840 Speaker 1: was a film studio that has produced a lot of 388 00:20:07,920 --> 00:20:11,520 Speaker 1: big films, um films that we all know and love. 389 00:20:12,160 --> 00:20:17,040 Speaker 1: And uh and you know I had a friend who 390 00:20:17,119 --> 00:20:21,520 Speaker 1: who said, hey, I'm about some Uh there's a portion 391 00:20:21,560 --> 00:20:24,640 Speaker 1: of ownership that is not available right now that's now 392 00:20:24,720 --> 00:20:28,880 Speaker 1: made available. And I don't want to take it all 393 00:20:28,920 --> 00:20:30,600 Speaker 1: on myself. I don't want to take all of it 394 00:20:30,640 --> 00:20:33,879 Speaker 1: on I was. I'm giving it to you as an opportunity, 395 00:20:33,920 --> 00:20:37,640 Speaker 1: And let me tell you something, I'm literally the I'm 396 00:20:37,680 --> 00:20:43,359 Speaker 1: literally the only African American UH owner within that group, 397 00:20:43,680 --> 00:20:47,439 Speaker 1: and so that in and of itself is amazing to me. 398 00:20:47,720 --> 00:20:50,920 Speaker 1: You know, congratulations. But I had to teach you on 399 00:20:51,000 --> 00:20:53,480 Speaker 1: that because I do. I knew that was a lack 400 00:20:53,520 --> 00:20:55,480 Speaker 1: of a title left for a reason, but I had 401 00:20:55,520 --> 00:20:57,760 Speaker 1: to pull as much information I can get out of you. 402 00:20:58,240 --> 00:21:01,399 Speaker 1: But I slide over to the you know when you 403 00:21:01,400 --> 00:21:04,159 Speaker 1: made that bold statement to Experience that do you know 404 00:21:04,200 --> 00:21:07,520 Speaker 1: a company that can produce this for us? And that's 405 00:21:07,560 --> 00:21:10,480 Speaker 1: what what's about to slide right now? Three Strange Films. 406 00:21:10,840 --> 00:21:13,639 Speaker 1: That's the production company. That's your production company. Tell me 407 00:21:13,680 --> 00:21:16,560 Speaker 1: about that and how did the production actually work to 408 00:21:16,640 --> 00:21:23,560 Speaker 1: produce this series for Experience call Protective Act that's on YouTube. Yeah, so, um, 409 00:21:23,720 --> 00:21:27,040 Speaker 1: three Strand film As I said before, UM, somebody, a 410 00:21:27,080 --> 00:21:29,920 Speaker 1: major UH director had come to me and said, I 411 00:21:29,960 --> 00:21:32,199 Speaker 1: want to make a movie about your life. And I 412 00:21:32,240 --> 00:21:34,200 Speaker 1: didn't know anything about what that man. I didn't understand 413 00:21:34,200 --> 00:21:36,520 Speaker 1: the points. I didn't understand the woryalty system. I didn't 414 00:21:36,560 --> 00:21:39,360 Speaker 1: understand the contracts, and so I had to go meet 415 00:21:39,440 --> 00:21:43,160 Speaker 1: with a UM an attorney who was in the film industry, 416 00:21:43,560 --> 00:21:45,640 Speaker 1: and it was like, man, this is a lot of 417 00:21:45,720 --> 00:21:47,800 Speaker 1: heavy lifting. I'm coming from the music industry and I 418 00:21:47,840 --> 00:21:49,800 Speaker 1: just don't want to be tall. I know how artists 419 00:21:49,800 --> 00:21:51,240 Speaker 1: get taken advantage of, and I don't want to be 420 00:21:51,240 --> 00:21:55,040 Speaker 1: taking advantage of in the film industry. And so the 421 00:21:55,080 --> 00:21:58,320 Speaker 1: more I studied, the more I realized that this might 422 00:21:58,359 --> 00:22:00,639 Speaker 1: be something we can do on our own. You know, 423 00:22:00,760 --> 00:22:02,680 Speaker 1: no one can tell our stories better than we can. 424 00:22:03,280 --> 00:22:07,000 Speaker 1: And so so UM one of my good buddies was 425 00:22:07,040 --> 00:22:08,720 Speaker 1: a director and he had been doing a lot of 426 00:22:08,760 --> 00:22:11,880 Speaker 1: independent films, and I said, hey, man, why don't we 427 00:22:12,520 --> 00:22:15,880 Speaker 1: partner up and UM and create you know, we even 428 00:22:15,880 --> 00:22:18,760 Speaker 1: known each other since you know, our college days. Let's 429 00:22:18,800 --> 00:22:22,399 Speaker 1: partner up and create a production company. And so we 430 00:22:22,440 --> 00:22:25,359 Speaker 1: started small. We started producing a few music videos, and 431 00:22:25,359 --> 00:22:28,120 Speaker 1: then from music videos to some small documentaries and then 432 00:22:28,119 --> 00:22:32,360 Speaker 1: that moved on to UM our first UH major project, 433 00:22:32,440 --> 00:22:35,040 Speaker 1: which is a film we're working on now. But um, 434 00:22:35,080 --> 00:22:37,320 Speaker 1: but the experience thing came across my plate and I 435 00:22:37,359 --> 00:22:39,639 Speaker 1: was like, Hey, we got the capacity and the talent, 436 00:22:39,800 --> 00:22:42,720 Speaker 1: let's do it right. Whether that that's that's a beautiful 437 00:22:42,760 --> 00:22:45,840 Speaker 1: thing because of the fact that you know, we have 438 00:22:45,960 --> 00:22:48,240 Speaker 1: to control our stories and we're in the era now, 439 00:22:48,320 --> 00:22:52,320 Speaker 1: you're in the era now were streaming out lits uh 440 00:22:52,320 --> 00:22:56,960 Speaker 1: in the demand for content from black people, people of color, 441 00:22:57,040 --> 00:23:00,520 Speaker 1: African Americans now. But we're talking about protect a bag. 442 00:23:00,640 --> 00:23:03,080 Speaker 1: You know, what are your thoughts? Were not because dorm 443 00:23:03,240 --> 00:23:05,280 Speaker 1: main conversation, that's all I talk about trying to close 444 00:23:05,320 --> 00:23:07,680 Speaker 1: that gap. I bring all type of c p a 445 00:23:07,680 --> 00:23:10,800 Speaker 1: s accounts and motivational people like you on the show. 446 00:23:11,119 --> 00:23:13,480 Speaker 1: But there's a wealth disparity out there that exists to 447 00:23:13,520 --> 00:23:16,200 Speaker 1: long racial lines. What are your thoughts and what is 448 00:23:16,240 --> 00:23:21,280 Speaker 1: your role in trying to close that disparity? Yeah? For me, Um, 449 00:23:21,359 --> 00:23:24,200 Speaker 1: part of it is education, right, So we can't close 450 00:23:24,240 --> 00:23:28,760 Speaker 1: that gap without education and and then helping us understand 451 00:23:28,800 --> 00:23:32,400 Speaker 1: the power of our dollar. So African Americans, the black 452 00:23:32,440 --> 00:23:36,959 Speaker 1: community represents one point for trillion dollars in buying power, right, 453 00:23:37,119 --> 00:23:40,040 Speaker 1: and what that means for anybody who doesn't understand what 454 00:23:40,080 --> 00:23:43,399 Speaker 1: that means is that means we have one point for 455 00:23:43,760 --> 00:23:48,919 Speaker 1: trillion dollars that we can put anywhere we want. And 456 00:23:49,000 --> 00:23:52,680 Speaker 1: so people are competing for our dollars and we are 457 00:23:52,680 --> 00:23:55,960 Speaker 1: not putting our dollars back into ourselves. We're not investing 458 00:23:55,960 --> 00:23:58,800 Speaker 1: in ourselves and so our money goes right into our 459 00:23:58,840 --> 00:24:02,520 Speaker 1: pockets and into another community. And so that hinders black 460 00:24:02,560 --> 00:24:06,680 Speaker 1: businesses from thriving. That hinders um our kids from having 461 00:24:06,720 --> 00:24:11,760 Speaker 1: their college paid for, that hinders um, you know, us investing. 462 00:24:11,920 --> 00:24:15,320 Speaker 1: Another thing is is the beauty and healthcare. You know, 463 00:24:15,520 --> 00:24:21,639 Speaker 1: we represent four of the population, but represent of beauty purchases, 464 00:24:22,280 --> 00:24:26,320 Speaker 1: but only one percent of the stock market. Now, how 465 00:24:26,480 --> 00:24:28,879 Speaker 1: is that? That's that's the type of disparity that I 466 00:24:28,920 --> 00:24:31,880 Speaker 1: feel like we need to have education on and and 467 00:24:31,920 --> 00:24:34,399 Speaker 1: begin to to take some steps and some stripes. A 468 00:24:34,400 --> 00:24:37,560 Speaker 1: lot of people say, you know, uh, well we should 469 00:24:37,560 --> 00:24:41,359 Speaker 1: buy black, Yes, but we should also invest, and we 470 00:24:41,359 --> 00:24:44,960 Speaker 1: should also um figure out how to do good business. 471 00:24:45,119 --> 00:24:47,359 Speaker 1: And we should also if we're gonna buy black, let's 472 00:24:47,400 --> 00:24:50,960 Speaker 1: create businesses that are good businesses and have good business 473 00:24:51,040 --> 00:24:53,679 Speaker 1: models and business plans and help each other through that 474 00:24:53,840 --> 00:24:56,840 Speaker 1: so that that this thing can be more sustainable long term. 475 00:24:57,200 --> 00:24:59,440 Speaker 1: Right right now, you can catch the Serious Protective Bag 476 00:24:59,600 --> 00:25:02,959 Speaker 1: every who's the on YouTube seven pm Eastern Tender Standard 477 00:25:03,000 --> 00:25:04,960 Speaker 1: time all the way to December four, Team the Cray 478 00:25:05,040 --> 00:25:08,440 Speaker 1: I know you now it's on YouTube. Now, okay, now 479 00:25:09,080 --> 00:25:13,720 Speaker 1: you that's are we one day I'll be looking at MSNBC, CNBC. 480 00:25:14,080 --> 00:25:17,119 Speaker 1: The Craig Well Protect the Back, hosted by Lacre with 481 00:25:17,480 --> 00:25:20,800 Speaker 1: what's going on here? Brother, It's always a starting point 482 00:25:20,800 --> 00:25:23,280 Speaker 1: with you, because the starting point ain't always to finish 483 00:25:23,359 --> 00:25:26,679 Speaker 1: with you. I have I'm on the ride, I'm enjoying 484 00:25:26,680 --> 00:25:31,800 Speaker 1: the ride. And always always humble, always humble. But that 485 00:25:32,080 --> 00:25:35,240 Speaker 1: might just clicking. He would tell you somebody, the Craiz, 486 00:25:35,440 --> 00:25:39,400 Speaker 1: the craw don't get in with the small expectation. He 487 00:25:39,440 --> 00:25:42,399 Speaker 1: looks at the opportunity. And he's a visionary. And if 488 00:25:42,400 --> 00:25:44,840 Speaker 1: you know, a visionary, visionary always looks at the long 489 00:25:45,040 --> 00:25:48,000 Speaker 1: the long run. You know that's important. If you see 490 00:25:48,000 --> 00:25:49,760 Speaker 1: a penny, he's looking around where that nickel at on 491 00:25:49,800 --> 00:25:51,480 Speaker 1: the ground. It's most of it. What penny is the 492 00:25:51,560 --> 00:25:54,679 Speaker 1: Nickelson place, because that's how his mind thinks. And so 493 00:25:55,200 --> 00:25:58,560 Speaker 1: don't be shocked. So capture and watch these series is right, 494 00:25:58,640 --> 00:26:01,240 Speaker 1: these series Pocket the Back, Right Protective to Achieve Me 495 00:26:01,400 --> 00:26:03,960 Speaker 1: Right Now on YouTube is hosted by my man LUCRAI. 496 00:26:04,320 --> 00:26:07,359 Speaker 1: You know he's been successful. He's an entrepreneur, he's a 497 00:26:07,600 --> 00:26:10,600 Speaker 1: he's an owner of a very secret but popular major 498 00:26:10,680 --> 00:26:14,200 Speaker 1: film studio. One day you know you're gonna pop out there, 499 00:26:14,280 --> 00:26:16,880 Speaker 1: you know, and I'm gonna say bringing back on the show. 500 00:26:16,920 --> 00:26:18,920 Speaker 1: You could have told me that big dog come on that. 501 00:26:19,720 --> 00:26:22,440 Speaker 1: But again, l Craix, we're both in Atlanta. I'm gonna 502 00:26:22,480 --> 00:26:24,479 Speaker 1: drop by, man, come by my officers, and come by 503 00:26:24,520 --> 00:26:27,640 Speaker 1: your building. Man, your blessing brother, and I always appreciate 504 00:26:27,680 --> 00:26:29,480 Speaker 1: you taking the time to come on my show money 505 00:26:29,520 --> 00:26:32,480 Speaker 1: Making Conversation. And by the way, I've already been in 506 00:26:32,520 --> 00:26:36,560 Speaker 1: discussions with Clark Atlanta University about doing a money Making 507 00:26:36,600 --> 00:26:43,680 Speaker 1: Conversation financial summit right before UH taxes rap. So I'll 508 00:26:43,680 --> 00:26:45,879 Speaker 1: be reaching out to you because we're on the same page. Man. 509 00:26:45,880 --> 00:26:48,800 Speaker 1: We're trying to change the wealth at racial gap, especially 510 00:26:48,800 --> 00:26:51,040 Speaker 1: for our people, and you're one of the voices my 511 00:26:51,080 --> 00:26:53,560 Speaker 1: boy Ash Cash and get him on board and said 512 00:26:53,600 --> 00:26:56,760 Speaker 1: more people. So it's you know, I'm the old head man. 513 00:26:56,800 --> 00:26:58,680 Speaker 1: I want you young boys out there, man, just leading 514 00:26:58,720 --> 00:27:01,119 Speaker 1: the way and allow me to just later foundations. That 515 00:27:01,240 --> 00:27:04,640 Speaker 1: is that a deal? That's awesome. I love that. I'm 516 00:27:04,680 --> 00:27:08,000 Speaker 1: all about it. Thank you. It's Lacraig Protect the Bag 517 00:27:08,160 --> 00:27:12,200 Speaker 1: every Tuesday on YouTube seven pm Easton. If you want 518 00:27:12,200 --> 00:27:14,000 Speaker 1: to watch it, you better start watching that because the 519 00:27:14,119 --> 00:27:16,760 Speaker 1: last episode is December fourteen. But it doesn't matter if 520 00:27:16,800 --> 00:27:19,560 Speaker 1: you missed anything, because the way the series works is 521 00:27:19,560 --> 00:27:22,760 Speaker 1: about education and financially getting you to change your life 522 00:27:22,880 --> 00:27:25,640 Speaker 1: and putting the passion of change in your heart through 523 00:27:25,640 --> 00:27:28,760 Speaker 1: your pocket and not allowing those pennies to fall out 524 00:27:28,920 --> 00:27:31,479 Speaker 1: and turn those pennies into dollars and then you invest 525 00:27:31,520 --> 00:27:35,840 Speaker 1: those dollars into the stock market. Thank you, Lucraig. Absolutely appreciate. 526 00:27:36,480 --> 00:27:37,920 Speaker 1: If you want to see or hear any of my 527 00:27:38,000 --> 00:27:40,760 Speaker 1: episodes of Money Making Conversations, please go to Money Making 528 00:27:40,800 --> 00:27:43,920 Speaker 1: Conversation dot com. I'm Sean McDonald. I am your host. 529 00:27:44,440 --> 00:27:47,160 Speaker 1: In this season of giving, Cools has gifts for all 530 00:27:47,200 --> 00:27:49,800 Speaker 1: your loved ones. For those who like to keep it cozy, 531 00:27:50,000 --> 00:27:54,680 Speaker 1: find fleeces, sweaters, loungeware, blankets and throws, or support minority 532 00:27:54,680 --> 00:27:57,840 Speaker 1: owned or founded brands by giving gifts from Human Nation 533 00:27:58,000 --> 00:28:01,440 Speaker 1: and Shame Oister, and in the spirit of giving, Coals 534 00:28:01,520 --> 00:28:05,960 Speaker 1: Cares is donating eight million dollars to local nonprofits nationwide. 535 00:28:06,240 --> 00:28:08,719 Speaker 1: Give with all your heart this season with great gifts 536 00:28:08,760 --> 00:28:12,800 Speaker 1: from Coals or Coals dot Com. At ADP, we understand 537 00:28:12,840 --> 00:28:15,399 Speaker 1: the importance of building the right team and offer the 538 00:28:15,480 --> 00:28:19,440 Speaker 1: data insights to help. Just as importantly, our AI technology 539 00:28:19,520 --> 00:28:22,680 Speaker 1: helps you pay the team accurately grow stronger with a 540 00:28:22,800 --> 00:28:27,919 Speaker 1: dp HR talent, time and payroll. When I was eighteen 541 00:28:28,000 --> 00:28:31,000 Speaker 1: years old, Anne at my high school was brutally murdered. 542 00:28:32,119 --> 00:28:35,520 Speaker 1: Getting to the truth has opened to Pandora's box of secrets, 543 00:28:35,560 --> 00:28:39,160 Speaker 1: exposing abuse of power and a world of lies at 544 00:28:39,160 --> 00:28:43,680 Speaker 1: one Miami monastery. I mean, the worm will stab ne 545 00:28:43,800 --> 00:28:47,720 Speaker 1: plus times. There's got to be something else going on here. 546 00:28:49,880 --> 00:28:52,440 Speaker 1: Listen to Sacred Scandal on the I Heart Radio app, 547 00:28:52,680 --> 00:28:55,440 Speaker 1: Apple podcasts, or wherever you get your podcasts.