Club Shay Shay - Nightcap - Hour 1: Mahomes defends Chiefs, John Hope Bryant joins, financial literacy

Episode Date: January 23, 2025

Shannon Sharpe and Chad “Ochocinco” Johnson react to Kansas City Chiefs QB Patrick Mahomes saying he doesn't believe the Chiefs receive favorable calls from the game officials. Later, Unc and Ocho are joined by the legendary John Hope Bryant, entrepreneur, businessman and CEO of nonprofit Operation HOPE, Inc. to discuss financial literacy and much more!03:19 - Show start07:00 - Mahomes on ref controversy23:40 - John Hope Bryant joins(Timestamps may vary based on advertisements.) #Volume #ClubSee omnystudio.com/listener for privacy information.

Hey, it's Bobby Bones. Join me and former NFL quarterback Matt Castle every Wednesday for our new podcast. Lots to say with Bobby Bones and Matt Castle. Between us, we have over 17,500 passing yards, multiple New York Times bestsellers, and one mirror ball trophy from Dancing with the Stars. So where else are you going to find a show with that much athleticism and football insight? We talk sports, but we talk pop culture and music and a little bit of everything. Listen to Lots to Say with Bobby Bones and Matt Castle on the iHeartRadio app, Apple podcasts, or wherever you get your podcasts.

John Stewart is back at The Daily Show and he's bringing his signature wit and insight straight to your ears with The Daily Show Ears Edition podcast. Dive into John's unique take on the biggest topics in politics, entertainment, sports, and more. Joined by the sharp voices of the shows, correspondents, and contributors. And with extended interviews and exclusive weekly headline roundups, this podcast gives you content you won't find anywhere else. Ready to laugh and stay informed?

Listen on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. What's up everybody? Adnan Burke here to tell you about a new podcast. It's NHL Unscripted with Burke and Demers. Jason Demers here and after playing 700 NHL games, I got a lot of dirty laundry to air out. Hey, I got a lot to say here too, okay? Each week we'll get together to chat about the sport that we love. Tons of guests are going to join in too, but we're not just going to be talking hockey folks. We're talking movies, we're talking TV, food, and then that's favorite, wrestling. It's all on Le Table. Listen to NHL Unscripted with Verkan Demers on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

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bet based on amount of initial losing bet. Bonus bets expire 168 hours after issuance. See dkng.com slash promos for deposit, wagering, and eligibility restrictions, terms, and responsible gaming resources. ["DKNG Theme Song"] Hello ladies and gentlemen, and thank you for joining us for another episode of Nightcap. Y'all know who I am. I'm your favorite uncle, Shannon Sharp, the Liberty City legend, the bingo ring of fame

honoree, the pro bowl of the all-pro, dressed up as E.L. Bling, that's Chad Ocho Cinko Johnson. Please make sure you hit that subscribe button. Please make sure you hit that like button. Tell a family friend or loved one to do likewise. Subscribe and like. Make sure you go subscribe to the Nightcap Podcast feed wherever you get your podcast from.

Thank you guys for being so supportive. You've supported us all the way 23, 24, 25, and hopefully you'll continue to support us 25 and beyond. Make sure you check out Chez by La Portier. We do have it in stock. Let's celebrate the new year. What better way to celebrate than with a bottle of Chez by La Portier. We do have it in stock. Let's celebrate the new year. What better way to celebrate than with a bottle of Chez by La Portier.

Now, if you cannot find it in a city or a state near you, order it, we'll ship it directly to your door. And please, please drink responsibly. Go follow my media company page on all of its platforms. That's Chez Chez Media. Make sure you tune in to Humble Baddies live show tomorrow night at 8 p.m. Eastern. That's the new Netflix show,

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but there are still many more tickets left for you to attend the big show. February the 6th at the Mahalia Jackson Theater in New Orleans. We got big time guests coming on. We got a very something else special. Check me out, check this out guys. When we announce what's gonna happen,

the show is gonna sell out in a matter of minutes. So I advise you, please listen to me. Now y'all know I be shoot, y'all shoot your straight. I don't bull drive you. We got a very, very, very special feature that's gonna happen during the live show. You don't wanna miss it. If you're in New Orleans, grab your tickets now.

You will not be disappointed. Both Nightcap and Club Shea Shea are both nominated for NAACP Image Award. Nightcap is nominated for Outstanding Podcasts, Arts, Sports and Entertainment. Club Shea Shea was nominated. Outstanding Podcasts, Society and Culture. Please go vote for your favorite guys, Unc and Ocho.

The link is pinned at the top of our social bios. We have a very special guest joining us tonight in a bit, the legendary John O'Brien. But first, Ocho, we got these games this weekend. Let's talk about the two-time defending champs, the Chiefs. The Houston Texans might thank Patrick Mahomes and the Chiefs received favorable calls from game officials, but Mahomes doesn't agree. I don't feel that way, Mahomes said. At the end of the day, the referees are doing the best to call the game as fair and as proper as they possibly can.

And all they can do is go out there and play the game that you love as hard as you can and live with the results. I think we preach that here in Kansas City. You get new referees every year, you get new circumstances, you can never really tell because every play is different and that's what makes the NFL so special. I feel like I've just continued to play the game and I just try to win wherever happens, happens, kind of happens. Ocho, check this out.

Ruffing calls per 100 pass attempts. Patrick Mahomes receives the fewest. 63% of the time. Russell Wilson, 71% of the time. Baker Mayfield, 73% of the time. Cousins, 74% of the time. Deshawn Watson, 78. Jerry Goss, 78. And Josh Allen Allen almost 94%.

You know what's funny? And not only did you broke it down like that, earlier today on Inside the Interfell, we broke down the numbers. We talked about the same thing about people feeling that Patrick Mahomes and the chiefs in general got all these calls and come to find out. It was nothing like that when you looked at numbers in the totality and they are the least penalized team. You know, as far as the homes is concerned as far, but what I did find out is they're

the most penalized offense, the offensive line, the holding calls. Yes. They're at the top of the league in that. Jawan Watson, the right tackle has been penalized. They have had 14 accepted penalties on him. Yeah, on him by himself. On him alone. You see what happens though, Ocho, facts go in an argument.

Because see, if you point this out, then they didn't, OK, then they go to something else. But what about this call? You're saying they're receiving preferential treatment. But when we show you the numbers don't bear that out, then you have to find something else to argue about. Exactly. So, and another thing, another thing I will say this too, the Chiefs are

continuously always on TV. That's one. They're always in the playoffs. They're always in the AFC Championship. And what I have come to find out is, is the calls that they do get that go in their favor, it's not that many, but the ones that they do get, they happen at the opportune times where it's advantageous for them. Right.

Important moment. Yes. It's always an important moment. So people take that, they run with it and say, oh, they get all the calls. But that's, that's truly not the case. And I thought honestly, and I might, and I might be one of them, I would just, from the outside looking in, I would say, you know what,

God damn, did she just get all the God damn calls? But when they broke it down today and we're able to look at the numbers and skim through them, I'm like, well damn. Not even close. It's not even close. Not even close to what everybody is saying, but I think it's because they're always on TV and the few calls that they do get, it

always happens in very important times in a game. Patrick Mahomes has been sacked or knocked down 106 times this season. He's been the beneficiary of six roughing the passer calls and two unsportsmanlike conduct calls. He gets calls 7% of the time he gets contacted. Now when you reference that with others, it's not even close. Yeah. It's not even close.

But see, facts are ruining the argument, Ocho. If I wanna argue with you, I wanna argue with you. Don't give me facts because now you're gonna ruin the argument I won't have anything to argue about. Right. It's kinda like in a relationship, Ocho. You give the person the facts, no, no, but still now they find something anything to argue about right now. It's kind of like in a relationship won't you you give the person the facts? No, no, but still notifying something else to argue about no

Let's continue to talk about this because this what was in your crawl this what was a your ruffle your dad Run, this what got you in a in a ball, right now. I give you the facts. Mm-hmm. Oh, it's something else. Mm-hmm Now I another thing I will say now when it comes to my homes, the NFL has implemented rules to protect the quarterback. Yes, all quarterbacks. All quarterbacks are protected. Now what I do find Patrick Mahome doing, and Chad, y'all can agree with me to this and you can attest to this, because we've all watched him.

He is taking advantage of the rules. He's sliding late. He's sliding late. He's sliding late. He's flopping a little bit with some of the hits. Now the hit on Will Anderson. Now I can see the ref seeing it. He hit him around the chest plate area. Him flopping and throwing himself back a little bit when it's time to go out of bounds. You've seen it too this year.

Instead of stepping out of bounds, he's taking it up fields, sometimes even slowing down before stepping out just so he can create the contact to try and joy-fy. Now, I've seen that a few times. But if he slowed down and his ass in bounds, blast it. But yeah, but listen, you can. And he's done that. I forgot what week it was he did it. And he did it just this previous week too.

He slowed down instead of just going out got a one out Texas you remember Kayla Williams did that yeah, and Dan Campbell says look here refs. This is what he does Yeah, he pretends like he's gonna go about out of bounds. He slows up and sometimes he cuts back now. He's in bounds Yeah, we're gonna blast his ass if he does that and should lo and behold right on cue blast his ass if he does that. And lo and behold, right on cue, Thanksgiving, he did that, and Jack Campbell, I think, was the linebacker, he blasted it.

That's what should happen. Blast is, if he's inbounds, I don't care what he is, if he's inbounds and he's standing upright, knock his shoes off. Listen, the Chiefs right now are in the same position that the Patriots were in for a very long time. Absolutely. People were tired of seeing them win. They're always in contention. Super Bowl, two back-to-back Super Bowls, a chance to three-peat.

I think people are just tired of finding things to argue and fuss about when they have, once you look at the facts and skim through it as far as the punitive is concerned, is nowhere near what everybody's chirping out to be. But the thing is, Ocho, when you look at some of the past interference calls, I mean, and that's what got it. James Bradbury the fourth, he literally said out of his own mouth, I held Juju. People argue with a man that's on the field and actually said he held him. Yeah. But you can't make it, why? Ocho, the objective is when they put the rules in place, they didn't say time. Well, you can't make this in the fourth quarter with two minutes to go.

You can't make this call late in the ball game. You can't make this call early. They said a penalty, no matter time or place on the field, if you do it, it is a penalty. Yeah. James Bradbury said, I held a guy. I felt him getting away. I was hoping. He said, I held a guy. I felt him getting away. I was hoping.

He said, I was hoping they didn't see it. Yeah. That's what he said. Everybody argued this man. Would he just do it? No, I promise you. Guys don't just do the right thing in situations like that. Yeah.

Guys don't say, nah, I held, if they didn't hold. He's going to go to the grave. No, I didn't hold him. And then the pool reporter, I think it was Carl Chepers came out, I forget who the official was, saying what happened. Juju released inside. He's looking the option back away. And he tugged him because they run so many shallow crosses. That's why it's so easy for them to option back out on Joe.

Because you know I gotta beat you over the top. Because I don't want you to get the first down. So now he gets that hard run in and stop and shuts the option away. You got the tug because your momentum is going over the top. So you tug and you use your momentum, like we call it slingshot, to catch back up with it. They threw the flag.

You can't make that call in that situation. You absolutely can. And this was the question I asked. flag. You can't make that call in that situation. You absolutely can. And this was the question I asked. If a guy had done that to AJ Brown or Devontae Smith, would you have wanted that call? Yes or no? Or would you have said you can't make that call in that situation? They don't want that call man. Oh come on!

They don't want that call. Because it was a foul. You're right Ocho, when you win as much. People like for you to win, but I don't want you to win too much. Ocho, I like Night Cal, but hey man, y'all just gotta stop winning all these awards now, damn. Every time I turn around, it's a Webby, it's an I Heart Award, it's a NAACP award,

it's a this, it's a that, come on now. Yeah. Come on now, come on, hey, let somebody else win, huh? But this ain't, grade, let somebody else. Right. You go out there and you compete and you try to produce the best that you possibly can. I mean, you know what?

Hey, Ocho man, you know what? I think we don't want enough Ocho man. Look, let's produce some bad content. Let's not even do, don't even worry about the Webbies. Don't even worry about these awards. No, if we gonna get up and spend all this time that we do, we do sometimes, what? We went six straight days. We went, we went like seven, eight days one day

around Christmas time. When that Monday, we went that Wednesday, Thursday, Friday, Saturday, Sunday, back to Monday. No, no, no, no, no, no, no, no, no. It doesn't work like that. We're going to produce, we're going to do, and the teams, they go out there. Oh, John and did all this work. I'm out there and it's cold as hell.

It's 10 degrees. It's minus degrees. It's a hundred degrees. And now you're going to talk about, let somebody else win. I want to see somebody else win Yes, we went nine straight days during the Olympics remember the Olympics. Oh Joe. We were on every day. Oh, yeah every day So

Look I get it But when you play when you play the game, oh Joe Yes, sir You have a different perspective because you know what it takes because Because winning isn't easy. And as you go further and further along, it gets harder and harder. You know what's funny? For fans, let's say in general, regardless of who your team is, when you look at the Patriots, the Patriots have spoiled everybody. That tenure with Tom Brady and Bill Belichick throughout all those years, they had people thinking it's very easy. It's very easy to do what they did. What, what Andy Reed and Patrick Mahomes are doing consistently year in, year in and year out for the past seven years, I haven't any years, uh, Patrick Mahomes

has been star going to the AFC championship. They have people. It's very, very easy, man. It ain't, it ain't, it ain't easy. Hell no. It is very hard to do what they're doing. It just, people have been spoiled by what they've been able to accomplish.

It just is an attestment to their greatness and how good they are as a coach and a player. And now Andy Reid and Patrick Holmes are having that same success. And people are just tired of seeing it. Oh, they got it. It is. Okay, but think about it.

Think about how many times I think Tom Brady might have won the division like 15, 16, 17 times in his career. Oh Joe, I won as many Super Bowls as I did division titles. And I played 14 years. Yeah. I won three division titles. Patrick Mahomes doesn't know what it's like to not win the division title. Right. They won it what? Eight, nine straight years. Yeah. I won three division titles. Patrick Mahomes doesn't know what it's like to not win the division title.

Right. They wanted what? Eight, nine straight years. Cause they wanted a couple of years with Alex Smith. And then they won it when Mahomes boy took over. Yeah. So for the most part, if you got to Kansas City in the last, say six, seven, eight years,

you don't know what it's like not to be the AFC West champs. You don't know what it's like not to play in the AFC championship game, because that's all you know. Mm-hmm. It's like a family that goes on vacation. They don't know what it's like not to go on vacation during the summer. Our black ass didn't know what it was like to go on vacation during the summer.

So you're like, damn. I mean, I'm like, man, I sure wish they could. I wish they'd start going on vacation. Why you making something, don't you want your team to beat them? I thought you to beat a man, you gotta beat the man. To be the champ, you gotta beat the champ. Listen, hey, that game gonna be so good, man.

Yes, at least that's what we hoping. It's Saturday. It's coming soon. It's Sunday, both games on Sunday. Same time, like three and six thirty, I think three and six, six thirty, something like that. And the thing, my prediction I predicted, listen, Mahomes is great. The Chiefs are great. Spags, the defense and what they're doing is great. And Josh Allen has played phenomenal

football this year. And one of the things that's always been in Zekilis' heel is turning the ball over and he's fixed it. He's fixed that. And people ask me who's going to win the game. And I said the team or the quarterback that makes the fewest mistakes. The team or the quarterback that makes the fewest mistakes. So I had to score, I had to score the game being low.

And with the way Josh Allen is playing, if he can play like he played last week, not turn the ball over, protect the ball, everyone makes the play they need to make, I say they have a good chance at finally beating the greatest that is Patrick. Exercise with those demons. Yeah. Because here's the thing, Ocho, people keep saying, well, you know, does Josh Allen has to be Superman? No, he doesn't. He can be Clark Kidd,

long as he don't turn the ball over. We've seen him beat Superman in certain situations, but turnovers be his undoing. As long as he doesn't turn the ball over, they have an excellent chance of winning the game. And if you look at Josh's history, more times than not, when he takes care of the football, they win or they're in position to win. When you start turning the ball over late, you can talk about a division around, go back and look, last week, the teams that turned the ball over, they lost. All of them.

All of them. It's really that simple. The teams that turn the football over lose. As you go further, you pay more and more, a heavier, heavier price for turning the football over. But, you know, that's what you get, Ocho, when a team is winning, because we're not used to seeing teams win like the football over. But you know, that's what you get, Ocho, when a team is winning, because we're not used to seeing teams win like the Chiefs.

We got, the Patriots did it, and we like, ah, so we done with that now, Ocho. We ain't gotta worry about seeing that for another 20, 30 years. Hold on, how does the Patriots, they fall off when they lose Tom Brady, and there's Patrick Mahomes right here, just to pick right back up? Mm-hmm.

Yeah. Because I don't know if you notice, Ojo, but animals, like if you have an infest, like if you have a squirrel or a raccoon problem, if you get rid of them and you don't board it up, another family will come in because those animals are territorial. So if one move, the other one will move right again. Mm-hmm.

It's kind of like just like an abandoned building. You got homeless people living in it. If you don't board it up, guess what? You move one that's set up, somebody coming right back in. So if you don't fix this problem, they got a good quarterback. So they got the next quarterback in line to Tom Brady. Why are we surprised?

It's gonna be like this for a while. We got a long way to go now. Why are we surprised? It's going to be, it's going to be like this for a while. We got a long way to go now. He's 29. Long way to go. He's 29. Now there are a lot of great young quarterbacks. They're good. There are a lot of great young quarterbacks.

I mean, big Ben was a good quarterback. Philip River was a good quarterback. Peyton Manning was in the league at the time. There are a lot of quarterbacks in the league. Donovan McNair was in the league at the time. Steve Manning was in the league at the time. There are a lot of quarterbacks in the league. Donovan McNair was in the league at the time. Steve McNair was in the league at the time. Drew Brees was in the league at the time. Let's not pretend there weren't no good quarterbacks

in the league when Tom was in. They were. He just happened to be at the top of the pickin' order. So until somebody beat him and you're going to, hey, don't think that you can knock them because Cincinnati knocked him off one year. And guess what? They came back and got two more. So just cause you knock him off,

don't think that's the end of him now. Because remember, from Tom Brady, from the time he won his third until he won his fourth, there was a decade lapse. And everybody said, oh yeah, we don't see. That's the end of it. Nah. That man came back and won FOMO.

Mm-hmm. Hey, it's Bobby Bones. Join me and former NFL quarterback Matt Castle every Wednesday for our new podcast, Lots to Say with Bobby Bones and Matt Castle. Between us, we have over 17,500 passing yards, multiple New York Times bestsellers, and one mirror ball trophy from Dancing with the Stars. So where else are you gonna find a show

with that much athleticism and football insight? Based in Nashville, we're more than just your basic NFL show. We talk sports, but we talk pop culture and music and a little bit everything, because we got lots to say. I texted you and you texted me back. Now, I don't know if you have the update, but like all the little thumbs up and heart and stuff, like it's all colored.

They changed it. And the heart's a little pink. It felt like I told you I loved you. I'm gonna be honest, it was a little pink. There was something sentimental when you sent it. It was like, do I send the heart now? I don't like the color edition. It's extremely pink.

Listen to lots to say with Bobby Bones and Matt Castle on the iHeartRadio app, Apple podcast, or wherever you get your podcasts. What's up, everybody? I'm Neal Burke here to tell you about a new podcast from iHeart Podcasts in the National Hockey League. It's NHL Unscripted with Burke and Demers. Hey, I'm Jason Demers, former 700 game NHL defenseman,

turned NHL network analyst, and boy oh boy, does daddy have a lot to say. I love you by the way on NHL Network. We're looking forward to getting together each week to chat and chirp about the sport and all the other things surrounding it that we love, right? Yeah, I just met you today but we're going to have a ton of guests from the colliding worlds of hockey, entertainment and pop culture and you know what? Tons of back and forth on all things NHL.

Yeah, you're going to soon find out we're not just hockey talk. We have all kinds of random stuff on this podcast. Movies, television, food, wrestling, even the stuff that you wear on NHL now. You wish you could pull off my short shorts, Verckey. That's sure to cause a ruckus. Listen to NHL Unscripted with Burke and Demers, the iHeart Radio app, Apple Podcasts, or wherever you get your podcasts. John Stewart is back at The Daily Show and he's bringing his signature wit and insight straight to your ears with The Daily Show

Ears Edition podcast. Dive into John's unique take on the biggest topics in politics, entertainment, sports, and more. Joined by the sharp voices of the shows, correspondents, and contributors. And with extended interviews and exclusive weekly headline roundups, this podcast gives you content you won't find anywhere else.

Ready to laugh and stay informed? Listen on the iHeart Radio app, Apple Podcasts, or wherever you get your podcasts. What's going on, everybody? or wherever you get your podcasts. Fridays breaking down everything you need to know about the NFL. We're talking about the MVP race. Is Josh Allen going to pull it out? Lamar Jackson? Can Saquon Barkley even break the rushing record? Can the Steelers keep up their momentum?

We talk about everything. We break it down. Stats, analytics, and of course Chris Rose is bringing his perspective on being a pro in the media world as well. Listen to football today on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts and you will be glad you did. Hope you could join us for the postseason run. All right, Ochoa, we got a very special guest joining us. A very good friend I met, had a conversation with him, asked him what he joined us from

time to time. A great guy, great financial guy, had some great ideas of how and what you should do if you get some money, how you can save your money. He and I had a great conversation talking about, he told me, like, if your ass is on your ass, you not set. So without any further ado, let's give it up. Good friend of mine, John Hobart.

John, how you doing? All good, my man. Good to be with you. Good to be with you. So a couple of weeks ago, you did a- You know what? You know what? You know what?

The ladies had talked to me about you since you were at the forum, and they said, you know what, you know what, the ladies, the ladies had talked to me about you since you were at the farm and they said, you know what the biggest thing on Shannon Sharp is? I was like, I don't know if I'm gonna answer this question. No, the biggest thing on Shannon Sharp is his credit score. He's got a credit score. He's got a 800 credit score. This said, this brother's making smart sexy. We've been making dumb sexy for way too long.

We've grown down and celebrated it. It's time to make smart sexy again. You want to impress me? Give me an A in math. You want to impress me? Yeah. Don't just be cute. When you go to the club tonight,

you ask her her name, yeah, you fine. And then what's your credit score? That's your partner for life anyway. I heard that you're a very high credit score, Shannon. Kudos to you, brother. So I am. I'm trying to get it back to 850. I'm trying to get it back to 850.

It's been real slow to get back, to get it back up there, but I'm trying. Yeah. And brother John, I'm glad you opened up with that. I'm glad you opened up with the credit score thing for the people that are in the chat. I see this discourse many times, especially on Twitter, where people are always arguing,

there'll be a question, would you rather 800 credit score or a certain amount of money? And it'd be a lot of money, let's say just a million dollars, it might be. And every time on Twitter, they arguing, let's say just a million dollars, it might be. And every time on Twitter, they're arguing for hours and hours at a time, and everybody chooses a certain amount of money as opposed to a credit score. For those that are in the chat, can you please explain to them how important it is to have a credit score over any amount of money? People don't, people see

the dollar figures and the amount of money and they forget credit, I want the lump sum of money. People don't, people see the dollar figures and the amount of money, and they forget credit out of the lump sum of money. Yeah. Ambassador Andrew Young, who was Dr. King, by the way, good to see you, Chad. Yes, sir. God bless you, man. Both of you guys are legends. Ambassador Young was on that balcony with Dr. King when he was assassinated. He's also built the city I'm in now, is the only international city in the American South, the biggest economy in the South, the 10th largest economy in the U.S. And he would say, to live in a system of free enterprise and not to understand the rules of free enterprise must be the very definition of slavery. So, you make money, my boy Tony Rustler, billionaire, taught me this lesson.

You make money during the day. The only thing I like about Hawks for those who are sports fanatics, that's not why he made his money. That was originally his toy. It was just something to play with. Now it's worth billions, but he made his money in finance, actually, in Aries management. Anyway, built his wealth, a really good guy. He says, you make your money during the day, you build wealth in your sleep. Okay? So this is a similar situation. People become obsessed with the wrong thing. You ask a very good question. I want to get that cash. I want to get this dollar. I want to get this bag. I want to get this money. I want to get the... useless, completely useless. Money has a velocity. It's not stopping. It will go. And if you're financially illiterate, people who are illiterate will separate you from that dollar. 92% of

all GDP of blacks in America, $1.6, $1.7 trillion we generate and spend every year, 92% is consumption. So the man, if you want to call it that, he knows. You just don't go extend it. They don't need to hire you to be the spokesman for Louis Vuitton. You're going to be a walking billboard for it anyway. They don't need to hire sports speakers to be Gucci spokespeople and whatever the brands are. They're going to wear it anyway because our assets are all too often on our ASS.

So because we are with the rules of publishing the playing field is level, we kill it. Special sports, the arts, politics, faith, the rules of publishing in the playing field is level. But we've never been taught capitalism and free enterprise and financial literacy, which I consider to be financial literacy is a civil rights issue of this generation. So it's what you don't know that you don't know that's killing you, but you think you know. So now I'm going to drop a bomb here that makes the point that money in and of itself

is absolutely useless. If I gave a homeless guy, I was homeless for six months of my life when I was 18 years old. It was economic homelessness, most homelessness is mental illness and depression and other things, drugs. If I was, if you give a homeless man a million dollars, they'd do nothing else. He'll be broke in six months. Because if nothing changes here, and then nothing changes here, values, then nothing's going to change here.

And here, you will walk away from your money, or somebody will walk away with your money, and we want to blame the man for these bad contracts in the music business and bad contracts. You signed it. The Klan didn't tell you to sign it. Nobody stood up in your head with a butcher knife and said, sign that contract. You said, y'all, I don't need to, I just want to do the music. I just want to play ball. I don't want to mess around with that. It's the music business. It's the business of music. It's the sports business. It's the business of sports.

So we are brilliant in so many ways. We've been doing so much with so little for so long, we can almost do anything with nothing. But we were never taught financial literacy. There was a Freedmen's Bank created in 1865 after the Civil War. Abraham Lincoln did it with Frederick Douglass, and he was killed the next month. But that and promising blacks the right to vote, the bank failed. And he was killed the next month. But that and promising blacks the right to vote, the bank failed. We never were taught how money works. So in some ways, it's not our fault, but we live in a capitalist democracy. So all these folks, 70% of those who

win the lottery, 70% broke in five years. Wow. Broke. So all this stuff about, give me that money, give me that daughter, I'm gonna be really dramatic here. Let's take all the money in the world, including mine, including yours, including Shannon's, Chad. Let's take, because we're green, really. We're not black at this point. We're green. We've made it.

Take all our money, with everybody else's money, the top 3%, we just made the whole world socialist now, redistributed to everybody in the world equally. Within three years, we'll all have it back. Yep. If you don't do anything else, we'll all have it back because somebody understands how capitalism and free enterprise and money works and somebody's understand how to spend it. People say, I

can be a millionaire, I won't go broke. Yes, you will. Millionaires go broke every day. A billionaire can go broke. It's hard, but you can go broke. If your outflow sees your inflow, then your overhead will be your downfall. What you really want is mindset, knowledge. You know what I like about Shannon? He came into the whole global forum. We had the whole global forum. And my man just was nosy. Ask Quincy Jones, how'd you get so smart?

I'm just nosy as hell. I wanna know everything about everything. He was nosy. He was all up in everybody's business asking this billionaire question, asking that billionaire question, asking that CEO question, all up in my face, asking me questions,

trying to learn what he doesn't know. That's how he's doing. You don't know what you don't know. John, let me ask you this. And I don't know if you know this off the top of your head, but I was reading, like in the Jewish community, the dollar stays there like 43, 45 days. In the Asian community, it stays there like 20 days. In the white community, the dollar stays there like 43, 45 days.

In the Asian community, it stays there like 20 days. In the white community, it stays there like 10 days, 15 days. In the black community, it stays there like two minutes. That's right. And that's with a pit stop. I, Ocho and I had a conversation. We were having a conversation, Ocho was like, yes. So Doc, if I gave somebody, if I gave a person $380,000 and that's all the money I ever gave and they weren't working, they're 20 years old, let's just say 25, 30, would that money

last them a lifetime? It won't last them six months. Look, it happens every day. It's called lawsuit settlements. It happens every day. You know, you go to urban radio stations, let's just have a real conversation. I mean, because Malcolm X said, we've been bamboozled. We've been tricked. We've been fooled. We've been hoodwinked. That applies to so much. President Bill Clinton once said, it's hard to get somebody to agree to the truth when a liar's paying their paycheck. Here are the bookends, the usual statements in bookends. Hoodwinked, bamboozled, relativistic. Let us stray, run amuck. Yeah. The other comment, it's hard to get somebody to agree

to the truth if a liar's paying the paycheck. Now, in the middle is financial illiteracy. Now, you go to an urban radio station, focusing on our community and listen to the ads. 80% of the ads are pivot. 80% of the ads are pivot. Law firms, lawsuits, I mean, high interest rate, you know, the seat paper, mortgages, seat paper, auto loans is right there in broad daylight. I'm gonna go one step further.

And so they get these settlements, slip and falls, whatever, you know, people running in front of cars and tripping. By the way, criminal, AI is gonna make criminality really a bad business. These robotics, these cameras, and artificial intelligence, you need to get a new gig. That day is soon, and I mean the next several years over. But anyway, back to this point,

you go to our neighborhood, you go to a place where we grew up, and here's what you see. The check casher next to a payday loan lender. Next to a rental store. Next to a title lender. Next to a liquor store. Next to a pawn shop. A fast food store. Fast restaurant, and a church down the street trying to make you feel a little bit better once a week. That's your neighborhood's psychology. That's your neighborhood's strength.

We don't want to admit we crazy. Oh, I can't go to a psychologist or a shrink. Somebody might think I'm crazy. If you're black in America and don't think you're crazy, you're crazy. So we go there hoop and holler used to. That's one of our problems. We don't go to church anymore. We don't have any spirituality anymore. That's a whole other conversation. We've been really hoodwinked now because now we think money's gone. We think

materialism's gone. We think some rapper's gone. Anyway, so now the one place you could go and hoop and holla, we don't go there anymore. That's so you don't go crazy. Now, literally, you're being pipped. A 500 credit score neighborhood, the only place you see those places, or is it a 500 credit score neighborhood? By the way, black and brown, urban, poor, white, rural. Now, you go 15 minutes away in every city in America. I've mapped every zip code in America by credit scores. The whole financial wellness index. You can go to my website and you put in your zip code, I'll tell you your credit score and your neighborhood. I'll tell you how you live it.

You go 15 minutes away from that zip code and you're in a 700 credit score neighborhood. In Chicago, I think it's Lincoln something, and then 15 minutes from there, I think it's Garfield Park or something. 500 versus 700, 700 versus 500. You go, you know, Atlanta's the same thing, LA's the same thing, wherever you are. Now, in that center of the Crestcore neighborhood, two parent households, prime financing, 75% homeownership rate, prime almost non-existent, Whole Foods, sit-down restaurants, proper businesses, mainstream banks, right? 15 minutes away, a third world country.

We think this is normal. This is why you cannot give somebody $350,000, $380,000 and think that there's—forget it, a lifetime, it won't last them a year. I said six months, I'll be gracious. It won't last. If your outflow sees your inflow, then your overhead will be your downfall. I'm going to go one step further. We are brilliant.

Black Americans are literally geniuses. We came here enslaved. My second-grade grandfather on my mother's side, my dad's side, and my second-grade grandmother on my mother's side, both slaves. My grandfather was a sharecropper. So I'm talking from the real place. We come from nothing. I come from the bottom quartel of poverty, Compton and South Central, to the top 1% in one lifetime because of what we're talking about and me understanding how this system actually works. Now, we're brilliant and we're geniuses. Imagine what would have happened, Ultra Synchro. Imagine what would have happened, Shannon, if we had a Black Jewish business plan. Imagine what would have happened if we didn't have a 40% homeownership. Go ahead,

Shannon, what are you about to say? I want you to explain what that means and what that actually is. Yeah, owning something versus talking about something. You know, poor people talk about other people. Wealthy people talk about their ideas. Hmm. Go to a barbershop, go to a nail salon in black community. I'm not talking about us, I'm helping other helpers.

Listen to what we're talking about. We're talking about mostly other people. You go ahead, go ahead, Chad. You like Chad or Ultra Single by the way? Now it doesn't matter what you call me, I'm gonna answer. I have a question about one of the things you just said. The others talk about their ideas and how they can work together.

When it comes to us, we have a problem working together because we don't want to see each other win. We're always in competition with each other as opposed to other ethnicities. They're more so, okay, if you have this idea, well, I'm going to pick you up. And then whoever's above him, well, I'm going to pick you up. And then whoever's above him, well, I'm going to pick you up where they always, they always work in unison and a very small percentage of us want to see each other win or help us get to a level where we want to. All right. We want to see you win.

You know what I'm going to see? I want to see Joe win, but I want to see him doing better than me. Would you like me to tell you why? Why? Low self esteem. So check this out. If you're African-American, by the way, there are only African-American ghettos in America. There are places where Italians live, where Polish people live. There are places where Caribbean blacks live. There are places where Italians live, where Polish people live. There are places where Caribbean blacks live.

There are places where black Africans live. There are places—I want to make sure I put black people in this—but there's only African-American ghettos in America, inner cities that are magnet and a holding place for poverty. What does that relate to? When we—people say, oh, African-Americans you're all lazy, all non-intelligent. Really? So you went 400 years ago, halfway around the world in an agricultural economy to go get dummies from Africa and walk them all the way across the world at incredible expense

and brought them to America because we're stupid? No, no, no, no, no. We were agricultural geniuses of the land. I'm coming to your point now. They had this soil in the American South that was a gold mine. It produced crops that were incredible gold mines, cotton and tobacco.

It's gold mines. In fact, Haiti was the wealthiest outpost for France in the world. It was Haiti. And that's a whole other story. We get to it before we end because that's the reason America exists, is Haiti. But let me come back to this for a minute. So now they bring us over here. And I think this guy has his biggest view in Shannon now.

High self-esteem, confidence. You're tribal leaders. You're chieftains. They captured you. chieftains. They captured you, they brought you here, but they gotta get the self-esteem out of you. The first thing you're gonna do is fight. You see your wife being abused, you see your children being sold off.

I'm not trying to start a, anybody worked up, I'm trying to explain to them how we get to this low self-esteem. So they're abusing your wife. They're holding you down. It takes probably eight people to hold Shannon down. They're holding him down just until he stops fighting, because that means he realizes he cannot do anything to help his wife. They broke his spirit. They're not trying to break his body. They ate his body. They're trying to break his spirit. We're not human beings having a spiritual experience. We're spiritual beings having a human experience. Energy matters. So now they sold your kids off in a different

direction so you don't have any hope for that. Most dangerous person rolls a person with no hope. They now abused your wife. You can't do anything to protect her. Now you just broke a broken man just the way they need you. Now they put you to work building these crops. By the way, blacks and whites, poor blacks and whites, were friends in the 1600s in America and all the plantation. True fact is that, again, some of this we want to go deep on, but to answer your question, they had to break your spirit.

They had to keep you away from books. They had to not teach you financial literacy. They needed you to have confidence in taking dead soil and bringing it back to life. What were our experts at? Africa is hot. The soil dies all the time. We were geniuses of the land, bringing it back to life. What's the largest attacked natural resource in the world today? To this day, it's Africa. That's what everybody needs. By the way, Africa is the future to the American, I mean, world demographics because the youngest people in the world are in Nigeria. Anyway, back to this story. So now you've got high confidence today. Let's fast forward now. African Americans, we're killing it in many, many sectors.

We have incredible confidence because we're competent, but we have low self-esteem. So if I don't like me, I'm not gonna like you. If I don't feel good about me, I'm not gonna feel good about you. If I don't respect me, don't expect me to respect you. If I don't love me, I don't have a clue how to love you. And here's the big one.

If I don't have a purpose in my life, I don't make your clue how to love you. And here's the big one. If I don't have a purpose in my life, I'm gonna make your life a living hell. Because whatever goes around, comes around and hurt people, hurt people. There you go with crab in the barrel. So now you have all these smart people who are hooked on cash, not doing wealth. Hooked on giving it away versus collecting it.

Hooked on transactions versus relationships. Hooked on what I got to get versus what I have to give. Being told religion isn't important anymore, forget about that in spirituality, now the devil's got you. When you and Shannon get up in the morning and me, the devil says, oh shit, they're up. There's not enough of us. Because when you succeed, I love it. I applaud you. I don't have a self-esteem problem. It's okay if you don when you succeed, I love it. I applaud you.

I don't have a self-esteem problem. It's okay if you don't like me, I like me. So, but self-esteem and arrogance are two different things. So what do we need? Five pillars of success. So my last book is Financial Literacy for All. It's a bestseller. One before that was Up from Nothing.

There's six of them, but the one before that, Up from Nothing, had five pillars. As much education as, but this last, the one before that up from nothing, I had five pillars. As much education as you can shove down your throat. How do we reverse what we're talking about? Oh, single. As much education as you can shove down your throat. That's why you see books all around me in my office. I'm always reading. That's why, again, Shannon knows it.

You're nosy. I love it. Number two, understanding how the language of money works. Financial literacy is as important as the right to vote, as a four-year education. A 700 credit score is as important as a four-year college degree. Yes, I said it.

And everybody who works for me has a college degree, and they better have a good credit score. Because you never had a billionaire that didn't do it on good debt. You never had a successful country or city that didn't do it on good debt. You cannot succeed unless you understand how the system works and you need cheap access to good credit. Number three, you need self-esteem and confidence. Number, well, number three,

we need family structure and resilience. Number three. Number four, you need self-esteem and confidence. We just covered that. Number five, you need role models in the right environment. So why do our kids want to be rap stars, athletes, and drug dealers to the exclusion of everything else? Because that's all they see. And our neighborhood is a symbol of success. We're not dumb and we're stupid. We're brilliant.

We're modeling what we see. Let's give the kids something different to see. Let's widen their aperture. Let's make smart sexy again. Let's make, kids something different to see. Let's widen their aperture. Let's make smart sexy again. Let's make, forget black lives matter, let's make black capitalism matter. So that's why I say a black Jewish business plan. Another one way you do wealth in America,

home ownership. What do we argue about? Endlessly, because we 41, 42, 43 percent of black people own a home, compared to 75 percent of our mainstream counterparts read white. The whole tax code in America is designed to support credit scores. I'm sorry, designed to support home ownership. But we want to argue about, John, you know, there's somebody probably in the chat right now, aw, what are you talking about?

We don't own the home, the bank owns the home. If you don't pay. Stop, stop, stop. He, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he,

he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, he, us this. I mean, this is basic stuff. Three things that have never gone bad in value, stock market value, real estate values, and GDP of America, gross domestic product. And the history of America, gone up, there was a recession, it receded, and corrected above the line every time. Hey, it's Bobby Bones.

Join me and former NFL quarterback Matt Castle every Wednesday for our new podcast, Lots to Say with Bobby Bones and Matt Castle. Between us, we have over 17,500 passing yards, multiple New York Times bestsellers, and one mirror ball trophy from Dancing with the Stars. So where else are you gonna find a show with that much athleticism and football insight? Based in Nashville, we're more than just your basic NFL show.

We talk sports, but we talk pop culture and music and a little bit everything, because we got lots to say. I texted you and you texted me back. Now, I don't know if you have the update, but like all the little thumbs up and heart and stuff, like it's all colored. They changed it.

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on the iHeartRadio app, Apple podcast, or wherever you get your podcasts. What's up, everybody? I'm Dan Burke here to tell you about a new podcast from iHeart Podcasts in the National Hockey League. It's NHL Unscripted with Burke and Demers. Adnan Burke here to tell you about a new podcast from iHeart Podcasts in the National Hockey League. It's NHL Unscripted with Burke and Demers. Hey, I'm Jason Demers, former 700 game NHL defenseman turned NHL network analyst.

And boy oh boy, does daddy have a lot to say. I love you, by the way, on NHL Network. We're looking forward to getting together each week to chat and chirp about the sport and all the other things surrounding it that we love, right? Yeah, I just met you today, but we're going to have a ton of guests from the colliding worlds of hockey, entertainment, and pop culture. And you know what? Tons of back and forth on all things NHL. Yeah, you're just going to find out we're not just hockey talk. We have all kinds of random stuff on this podcast, movies, television, food, wrestling, even the stuff that you wear on NHL now. You wish you could pull off my short shorts, Virky. That's sure to cause a ruckus.

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and you will be glad you did. Hope you could join us for the postseason run. John, let me ask you this, but here's the thing though, John. You know, in order to really invest in a stock, you got to have what we call disposable income. If you're using check, if you live living check to check, if you got to pay a mortgage or rent, you got to pay a card note, and you gotta pay bills, that leaves you very little disposable income in order to put into the market. So therefore, there why like a lot of people that don't have disposable income,

it's hard for them to accumulate, forget generational wealth, just enough that when they retire, because I ain't really counting on, I ain't really counting on Medicaid and Medicare to take care of Shad and Shar. So I'm just like, no, I ain't really count no Medicaid and Medicare to take care of Shannon Sharpe. So I'm just, I'm just like, Hey, that's going to be over with. But when you don't, so how would one that has very little or marginal disposable income

accumulate something that when, when they retire, they have something, they have a nice little nest nest egg. So you got, you don't have a self-esteem problem, Shannon. No, hell nah, I love me. You won't have a problem when I say to you that what you just said is wrong. Okay. Now when it comes to professional sports and homework,

I gotta come to you and just shut up, because I don't have no clue. Okay. But there's occasionally, occasionally, I might have something that I can give to you. And you just, it was a beautiful setup. That is just incorrect. My mother worked 32 years in McDonald's aircraft making $15 an hour.

She died September last with a million dollar network. She bought and sold seven homes. Her credit score like he was 854. I believe it was used to go over 850. He was 854. So when somebody watching this says, well, Shannon just made a great point, and he did make a great point. Here you go. I don't have any disposable income. You went to Starbucks last week, smoking cigarettes. If you go to Starbucks three times a week and you've got a cigarette habit, that's $6,000

a year. You're making $36,000 a year, that's 20% of your income. I'll let that sink in for a minute. The cigarettes on the box says this shit will kill you. Like, I don't know if I can say that in your pocket. This stuff will kill you. You be worried. All right?

So stop smoking cigarettes and go get you a curing machine at home and make your own coffee. You've now just recaptured three grand, two grand. Take that, put it in the... By the way, don't even do that. Just stop doing silly stuff like going to a fast food restaurant every other night. Cook something at home. And by the way, it might extend your life because you cannot have a soul food diet for

the rest of your life if you lived to 80 years old. There are no 300 pounds, 80 year olds. And that's a design, a diet of this diet for slavery with, because they put the, anyway, back to this point. They were working it off, doc. Huh? You could eat like that when you were in those fields working 14 hours a day.

You had to because they threw the worst parts of the animal out back as a disrespect to you. All you do is turn it into a delicacy. Whole cake, grits, hogmaws, pig feet, fried chicken. Ox-tailed neck bones. Ox-tails, I love ox-tails. And we put salt on all the meat so it didn't die in the heat. Yes, you had to cure it.

That's your hypertension. Salt preserves it. You're absolutely right. So I love soul food twice a month, not three times a day. That's why black folks are inflamed. We're not fat, we are inflamed. 75% of all disease, my wife, Shage was a wellness expert, she'll tell you 75% of all disease lives on inflammation.

Inflammation, what does it come from? Bad environment, bad food. Back to this example. Let's assume that you don't have a, I'm about to say crack at it, you don't have a crack at it. A Starbucks or a cigarette, alcohol. Yeah, let's assume you don't have that.

You're just wasting a little bit of money. Take $25 that you were gonna go spend on whatever and do fractional share investment. Okay. You can buy a fraction of Warren Buffett's company, a $25 fraction of a share in Target, Target, Walmart, you know, wherever you whatever you're dressed in, whatever you like, go buy that and do whatever you can afford $5 $10 one you can do a dollar fractional share. Don't tell me what you cannot do.

Earned. So somebody watching this, you better about to give somebody some money. Somebody watching this, I'm going to say, you got a check coming to you because of Ocho Cinco and Shannon Sharp. You got a check for five, six, 10,000, maybe $20,000. It's called the EITC. People say, what's that? The minute somebody in your chat says, what's that?

Congratulations. You make less than $60,000 a year, which is half of this country. You just got a check from the federal government through Shannon Sharp and Ocho Senko. It's called the EITC. If you make $38,000 a year, you live in a small town, you're listening to this podcast, you have three children. The government owes you a check for working.

It's not a handout for $7,500, about $7,000, $7,500. If you've never filed as retroactive for three years, that's 20 grand. One out of four Americans who qualify for it never even asked for it. That's $20 billion a year, Shannon. Wow. That's black people, to be real clear. That's us. We don't have a tax pro.

We don't have anybody doing our taxes. So if you're renting for the same cost of a mortgage payment, you should be owning the house. Rent to own. You're, you're, you're, you're paying money uptown with people who don't like you, with money you don't have to buy something you can't afford to be at some place people don't want you there. In a, in a doorman in a house that you're, that I own.

I'm the landlord. I'm literally the landlord. I'm the largest minority owner of single family rental homes in America. Well, I was. I built this company, Promise Homes Company, owned 700 homes between here and Florida. I sold most of the company in 2021.

And I did that over five years. And I encouraged people not to rent from me. Rent and get out, go buy a house. So it's a misnomer that you can't do this. Whether you believe you can or whether you believe you can't, you're right. Is the glass half full or is it half empty? Depends on looking at the glass.

One thing I know about you two, you're optimists. Over and around and through it, you're going to get to it. You're going to run over somebody to do it Is that right? Yeah That's exactly what your listeners should be should be doing Never say never don't say I can't do this is impossible because I'm making a little money No, you got to have the right habits most of success is hustle and good habits and optimism Money's overrated.

I never focus on money and I got more than I need. I never focus on it. I focus on passion, Congress, authenticity, what I can, what I, what I, I'm, anyway. I'm trying, look, I can move somebody's credit score, listening to you, who's making $40,000 a year. I can turn them into a homeowner in a year. I can get your credit score up in 54 points in six months through my whole financial coaching.

I can get your debt down $3,800. Your savings up $1,200 in six to eight months. I'm doing it through, I have 1,500 offices at Operation Hope that do financial coaching for free inside of bank branches. So the bank then says yes to you to become a homeowner. I'm not talking theory to you, brother. I've done four and a half billion dollars.

I've invested four and a half billion dollars in the black and brown neighborhoods through Operation Hope with the exact stuff we're talking about. This is not theory. John, if we're gonna get you out of here on this, what would be your one best piece of advice you could give our chat tonight? Get off your rear end and stop complaining, stop whining, stop obsessing with stuff. Racism is like rain. It's either falling someplace or it's gathering. So get out an umbrella

in the color you like and start strolling through it, because it's not going to change. It's been around since Jesus. It's not going to change, so you must get your head right, get your mind right, get your spirit right, get your life right, get out of your own way. Realize that you're God's child. No one has these fingerprints. They're completely unique and they're yours, and you could be great. You can be Ocho Syncho and Shannon Sharpe because they were once you. You can be John O'Brien. You can be Ocho Cinco and Shannon Sharpe because they would want you. You can be John O'Brien. You can be Charlamagne.

You can be Stephen A. Smith. But there's no billionaire, there's no billionaire who was, there's no entertainer or no sports figure who's a billionaire who didn't do it without crossing over into business. Yeah, he's the only way you can't. 100%. You can't sell enough movie tickets or tick or concert tickets of merchandise.

So you can't do it with the ultra single going back. Can't do it with that cash. Won't get there. You build wealth in your sleep, stocks, bonds, homeownership, investments, businesses. One MBB at Operation Oak, we created a half a billion, sorry, a half a million black businesses since George Floyd's murder. I'm committed to creating a million black businesses

by 2030, this is the Black Jewish Business Plan, right? And there's only 3.1 million black businesses in America. We've already created 450,000 of them, just under 500,000, that's 12%, give or take, of the national average. And I'm not going to stop because this is one of the ways that we can do it well, using our hustle, our talents. Don't just stand on the mic, own that damn thing.

Don't walk the mic, own the mic rental company. Own the stage rental company. Own the porta-potties at the movie studio and the video shoot. Own the lighting system that gets parties, at the movie studio, and the video shoot. Own the lighting system that gets rented. Nobody, these companies don't own that stuff. They rent that stuff. Be the rental company. The VIP bracelets.

But own the company that prints those things. And sell it to the nightclub. Stop being a fool going to the nightclub spending $500 on a bottle of champagne that costs them 25. Be the company that sells them the bottles. Don't go to the club, own the club. I was with, I was with the Mike Maples, who's one of the top 20 venture capitalists.

I'm sorry, I'm past, am I talking too much? No, go ahead, bro. Go ahead, go ahead, go ahead, go ahead. My mother always said, you don't wanna be the old guy in the club. So before y'all get me out, I'm gonna leave, right? So this guy named Mike Maples, he's a big venture capitalist in Silicon Valley. I was told then one day, I said, Mike, tell me about your family.

Oh, just normal family. Mike, I didn't ask you that. I asked you to tell me about your family. Well, my dad worked for Microsoft. Okay, what are you doing with Microsoft? Oh, he works for Bill Gates. That's look, technically, everybody works for Bill Gates? Yeah. What do we do? By the way, we need a black Bill Gates as much as we need a black president, by the way. Because that would create more, that would create other billionaires, other centi-millionaires, hundred million, other multimillionaires who then create philanthropy

in their neighborhoods, who hire people who look like them, mentor people who look like them. The cascade effect of that would be incredible. Back to this example. So I said, I worked for Bill Gates. Okay, I asked him 14 questions. He finally said, well, he was the president of software. I said, hold on, slow down. Did you just say your dad was the president of software at Microsoft.

So he really did work for Bill Gates. I said, you said your life was normal. Tell me more. Tell me about your first business. Well, you know, my dad, I started this little business. I forget what it was, you know, whatever, newspaper business, whatever it was. I forget what it was, but he was 12 years old.

And he made this the biggest business in his neighborhood. And he went to his dad one day. Here's the point. He said, dad, I'm so excited. I've made this the biggest business in his neighborhood. And he went to his dad one day, here's the point. He said, dad, I'm so excited. I have made this the biggest business in our neighborhood. I'm gonna sell this business to Disney. Mindset, his Mike Maywell senior said, I'm ashamed of you, son.

We don't think like that in this household. I raised you better than that. I'm sitting scratching my head going, wait a minute, the kid just said, I'm a businessman, I'm gonna sell my business now to Disney. He said, no, no, no, in this household, we don't build a business to sell it to Disney. We do the business to buy Disney.

Wow. Drop the mic. What is Mike Mabel's doing today? Buying businesses. You model what you see. So we need to become what we want to see. Look, anybody out there saying, let's just give it away. Even if you want to distribute money like a socialist, you've got to first collect it

like a capitalist. So anybody out there who has a problem with what we've been saying this last hour, let me say this to you. You try government, charity, you try social justice, you try guilt, you try whatever you try. We've tried a bunch of stuff. It ain't worked. Why don't you try capitalism? Hello? It seems to work for everybody else. Everybody who's trying to use free enterprise and capitalism to set themselves free has succeeded. We're brilliant.

Why can't we do it? We can. We just have never tried. That's what I'm teaching at scale. That's what you're doing. I listen to you. You did a whole thing when you're talking about credit scores.

I mean, I remember you said 800. Do you know, not everybody was thinking, well, if I want to be like Shannon, I need an 800 credit score. Ultra Sync will be dropping some gems. And you asked me, you be weaving knowledge. Charlamagne is very good at this. Weaving knowledge and education into the entertainment.

That's what we need at scale. We got to make this mainstream right now. Damn. John, I appreciate you joining us tonight. That's what we're going to do from time to time. Our job here at Club Nightcap is to not only entertain, that's what we do. We inform people about what transpired in the game and so forth and so on,

but we also like to educate people. We like people because we want to see our people succeed. And what better way to do it is that people that's been successful, sometimes we get redundant hearing from Ocho and I. And sometimes we need to bring a new voice in, someone that succeeded on a grander scale that can speak to things

that Ocho and I, we need help understanding and talking about. So for you to come on tonight and educate our group, our chat, we greatly, greatly appreciate that. Well, let me say this, I think you're brilliant. I think what you've done here is brilliant. I think that you guys are a great partnership. You played very well on each other.

And I think it's very elegantly done. And I love seeing you shine. I love seeing you succeed. And other people I know, Bishop TD Jakes and Charlamagne and Stephen A. Smith, they're all rooting for you. And that beautiful thing, a black man loving another black man and completely straight. Right? So, your audience, I want you to hear now this last thing.

Anybody, all of the folks who want to be ball players and football, God bless you. Fantastic. No problem with it. But 70% of all those in the NBA, 70% of all those in professional football bankrupt five years after retirement. Two years. Thank you, Ojo. You would know better than me. I would be conservative. And by the way, and then your wife leaves you. Yeah.

So, this is, if your outflows need your inflow and your overhead is going to be your downfall. If you've made all this money your whole life and you're now using people fed on you, protecting you, serving you, giving you a paycheck, right? And then the paycheck stops, but your lifestyle is at a point where the bills keep coming and everybody else around you expects you to fund their lifestyle and you're not doing them a favor, by the way. All this posse that you're funding, you're not doing them a favor because they can't take care of themselves.

You need people to be self-reliant. Give them a hand up, not a hand out. And then when they, when you need help, they can't come care of themselves. You need people to be self-reliant. Give them a hand up, not a hand out. And then when you need help, they can't come to help you. Because you're the source. So we've got to get our line right because even when those who are succeeding at the top of their game aren't using that opportunity to turn an income into wealth that pays you when you sleep. So you can be Reggie Jackson. You can be Magic Johnson. You can be Michael Jordan. You can be Shannon Sharp.

You know, there's a whole list of the folks that you've done this right. Hey John, I need a couple of those cars that Reggie got. You know, Reggie got a big car. Reggie's ballin' man. Reggie is ballin'. He is, he is. John, thank you so much.

I really appreciate that, man. I'll be in touch with you. You know, you and I, we talk. We gonna get together and do the, have a cue to fat, sit down and do some business together, bro. I really appreciate what you're doing for our community and partaking wisdom on our chat tonight.

So I greatly appreciate that, man. My pleasure seeing you love and light everybody. Go out and get Financial Literacy for All. It's my newest love and light everybody go out and get financial literacy for all is my newest book. Peace and light and go get it. Go get operational counseling. I'll give you a thousand dollar free scholarships to go to operation. I'll get a year's worth of coaching and counseling. So don't say that Shannon didn't do anything for you, Shannon and

Ocho single. Thank you, boss. Thank you. Appreciate that. Please. That was a John Hope Bryant. Oh, he's brilliant. Oh Joe.

I mean, um, the way he can lay out the way he can explain it to you what you should buy and that's what you have to do you know people like why I got no money it's funny you ain't got no money but you got money to stop by Starbucks drive-thru every day and buy a five dollars to a seven dollar latte yeah you got money to do that you got money you got money to go on all these vacations I've never understood Barring money to go on a vacation. I've never understood that. Oh, maybe that's just me I'm not gonna go if I can't go and pay for i'm not fitting to go into debt to do it Yeah, and you know one of the things i've always had you notice

I know you always talk about you don't go on vacation But I also don't go on vacation until I put in some type of work. I see people listen, there's nothing wrong with that. There's nothing wrong with that. Just my mindset is a little different. Unless I, when I think about going on vacation, vacation to me, the reason for going on vacation is because I put in a certain amount of work and the body needs to reset and need to have a, a mental lapse of just of calmness and peace. Yes. I just go on a vacation, just to be going on vacation, just of calmness and peace.

Yes. I just go on a vacation, just to be going on vacation, just take pictures and have fun. I never saw the point in that. But Ocho. That is me personally. Can I ask you a question? How can I go on vacation and I worried the whole time how the hell I'm gonna pay for this?

That ain't no peace Ocho. I mean, I've got to get away like, uh, I ain't got a worry in the world. I know when I get back, I still got my mortgage going to be paid, the car payment going to be paid, X amount of money going to savings, yada, yada, yada. I don't have to worry about paying for this vacation. If I'm on the vacation and I'm like, Oh Lord, have mercy. Woo. I pro, I pro, I sure probably shouldn't have come.

And I hear people say, oh, who, I don't know how I'll pay for this, but I worry about that later. Huh? Yeah. You think that, that, that charge is going to magically disappear on your credit card? And they charge, I don't know what credit card rate is. Cause I pay all my, probably what, what's credit card rate?

15, 20% and you pay, you got a $5,000, $10,000 credit card, and you send in $200 a month. What the hell you gonna do? Yo kid, somebody else gonna be paying that off. It all starts with one of the key things that he did say that I always talk about. I mean, those that have followed me throughout the years, I always talk about financial literacy and having a discipline. If you don't have discipline, it doesn't matter what amount of money they give you, you're going to run through it. It's going to be gone. You're going to run through it. That's why when that argument on Twitter happens every so often, where people talk about credit score

and a certain amount of money, and I see all the Twitter go with, oh, I want this amount of money because where it is, I'm going to just pay it off and then I'm going to flip it and I'm going to do this. They got all these ideas, not really understand it. That's not how it works. Oh Joe, remember I told you the story I was in the NFL? And my credit was so bad I couldn't get a car? Oh yeah, yeah, yeah, yeah, yeah, yeah. And a prime example, I couldn't get a car.

And so, I mean, now, if you want to pay cash from everything, they'll graciously accept it. But now, if I got that kind of cash, I'm gonna put it away. I want to put a large portion of it away and let it work for me. Because I know I'm gonna get somewhere between four and 8%. Yeah. I ain't trying to pay no car.

I ain't trying to put $200,000, pay a car for $200,000. Or have the car cost 30,000, 40,000, or pay, or I want to get a house, and I gotta pay for the whole house, pay it off. we'll have the car cost $30,000, $40,000. Or pay, oh, I wanna get a house, and I gotta pay for the whole house, pay it off. Or I have to get some, nah, hell nah. Nah, that's just me. But John, we really appreciate you. Hopefully, Chad, you enjoyed that conversation

about how to be financially and fiscally responsible. Because at the end of the day, ain't nobody coming to save you. Now, you can hope, you can and we thought we're not doing political I I've made peace with the decision that the American public made on November that second that second Tuesday in November I've made peace with that. I Ain't what I am for the work my nerves up These four years gonna go by the breeze just like the the last four years, and the four years before that.

So y'all can get all up, saying, oh, I don't know what I'm gonna do. I know what I'm gonna do. I'm gonna keep my head down. I'm gonna keep my ears closed, and I'm gonna go to work. That's what I'm gonna do. Now, I don't know what y'all gonna do,

but I'm gonna tell you what Shadow Sharps gonna do. That's what I'm gonna do. And when these four years is up, I'm gonna look up, there's gonna be somebody come in, make a whole lot of promises, and they don't deliver. Some people are gonna get delivered on, that's gonna get delivered on, and some people are not. But y'all keep worrying about this,

I ain't worried about it. I can't, I can't, I can't work my nerves up. I've made peace with it, Ocho. I think they should also. The Volume. Hey, it's Bobby Bones. Join me and former NFL quarterback, Matt Castle every Wednesday for our new podcast,

Lots to Say with Bobby Bones and Matt Castle. Between us, we have over 17,500 passing yards, multiple New York Times bestsellers, and one mirror ball trophy from Dancing with the Stars. So where else are you gonna find a show with that much athleticism and football insight? We talk sports, but we talk pop culture and music and a little bit everything.

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