Nightcap - 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.

You're listening to an iHeart Podcast. The Made for This Mountain podcast exists to empower listeners to rise above their inner struggles and face the mountain in front of them. So during Mental Health Awareness Month, tune into the podcast, focus on your emotional well-being, and then climb that mountain. You will never be able to change or grow through the thing that you refuse to identify, the thing that you refuse to say, hey, this is my mountain. This is the struggle. Listen to Made for This Mountain on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

I'm Michael Kassin, founder and CEO of 3C Ventures and your guide on good company. The podcast where I sit down with the boldest innovators shaping what's next. In this episode, I'm joined by Anjali Sood, CEO of Tubi. We dive into the competitive world of streaming. What others dismiss as niche, we embrace as core. There are so many stories out there, and if you can find a way to curate and help the right person discover the right content, the term that we always hear from our audience is that they feel seen. Listen to Good Company on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

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terms, and responsible gaming resources. 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 unk, Shannon Sharp, the Liberty City legend, the Bengal Ring of Fame honoree, the Pro Bowler, the all-pro, dressed up as he all blinged out. That's Chad Ochocinco 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 podcasts 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 Shave by La Portilla. We do have it in stock. Let's celebrate the new year. What better way to celebrate than with a bottle of Shave by La Portilla? Now, if you cannot find it in a city or 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 Shea Shea Media. Make sure you tune in to Humble Batty's live show tomorrow night at 8 p.m. Eastern. That's the new Netflix show, Wags to Riches, that premiered today. You know, hey, they talk about us, Ocho. So we on that a little bit.

We on that a little bit. So make sure you go check out Humble Baddies live show tomorrow night at 8 p.m. Eastern. Also, my clothing company, 84, with 84 being spelled out, our newest releases just dropped last month shirts sweats beanies koozies and mugs but remember quantities are limited so please make sure you grab yours while supplies last tickets for the super bowl show in new orleans this is our first

spring tour stop the tickets are on sale now the link is pinned at the top of the chat. Unfortunately, the VIP meet and greet tickets are sold out, 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 announced what's going to happen, the show is going to sell out in a matter of minutes. So I advise you, please listen to me. Now, y'all

know I be shooting you. I shoot you straight. I don't bull drive you. We got a very, very special feature that's going to happen during the live show. You don't want to miss it. If you're in New Orleans, grab your tickets now. You will not be disappointed.

Both Nightcap and Club Che Che are both nominated for NAACP Image Award. Nightcap is nominated for Outstanding Podcast, Art, Sports, and Entertainment. Club Che Che was nominated, Outstanding Podcast, 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 think Patrick Mahomes and the Chiefs receive 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 we 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 just continue to play the game and I just try to win. Whatever happens, happens. Kind of happens. Ocho, check this out. Roughing 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 Deshaun Watson 78%

Jerry Goff 78% and Josh Allen almost 94% you know what's funny and now that you broke it down like that earlier today Josh Allen, almost 94%. You know what's funny? Not that you broke it down like that. Earlier today on Inside the NFL, 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 look at the numbers in its totality and they are the least penalized team. You know, as far as Mahomes is concerned, as far as, 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 itself. Him alone. No. You see what happens though. Ocho facts, you're in an argument because see, if you point this out,

then they didn't. Okay. Then they go to something else. What about the, what about this call? You're saying they're receiving preferential treatment. 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 always an important moment so people take that they run with them and say oh they get all the calls but that's that's truly not the case and i i thought honestly and i might be i might be one of them i would just

from the outside looking in i would would say, you know what? God damn it, Chiefs get all the goddamn calls. But when they broke it down today and were 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. It's not even close. But see, facts will ruin an argument, Ocho. If I want to argue with you,

I want to argue with you. Don't give me facts because now you're going to ruin the argument. I won't have anything to argue about. It's kind of like in a relationship, Ocho. You give the person the facts. No, but still, now they find something else to argue about. No, let's continue to talk about this, because this what was in your crawl, this what was your ruffled your dandruff. This what got you in a in a ball. Right now, I give you the facts.

Oh, it's something else. Now, another thing I will say now, when it comes to Mahomes, the NFL has implemented rules to protect the quarterback. Yes, all quarterbacks. All quarterbacks are protected. Now, what I do find Patrick Mahomes 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 flopping a little bit with some of the hits now the hit on will

anderson 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 field sometimes even slowing down before stepping out just so he can create the contact to try and draw a foul now i've seen that a few times but if he slowed down in his ass and bounce blasted 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 up going out texas you remember caleb williams did that yeah and dan cam out of bounds. Yeah, this is Texas. You remember Caleb Williams did that?

Yeah. And Dan Campbell says, look here, refs, this is what he does. He pretends like he's going to go out of bounds. He slows up, and sometimes he cuts back. Now, he's in bounds. We're going to 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. Blasted it. 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. And I think people are just tired of it and 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 chirping out to be. But the thing is, Ochoa, when you look at some of the past interference calls, I mean, and that's what got it. James Bradbury IV, he literally said out of his own mouth, I held Juju.

People argue with a man that was 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 ballgame.

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. James Bradbury 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 well 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 hear if they didn't hold he's gonna go to no i didn't i didn't hold him and then the pool reporter i think it was carl cheffers came out i forget who the official was, said what happened. Juju released inside. He's looking to 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, Ocho.

Because you know, I got to 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 stops and shucks the option away. Yeah. 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. If a guy had done that to A.J. 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? No, they don't want that call, man. Of course. 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 Matt Cale, but, hey't want you to win too much. Also, I like Nat Cal, but y'all just got to stop winning all these awards now. Damn. Every time I turn around, it's a Webby, it's an iHeart Award, it's an NAACP Award, it's a this, it's a that. Come on now.

Come on now. Come on. Let somebody else win. Huh? But this ain't second 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 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 Don't even worry about the web Don't even worry about these awards No If we gonna going to 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. We went 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 gonna produce we're gonna do and the team they go out there oh y'all done 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 gonna 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 Ocho? We were on every day. Oh, yeah.

Every day. So, look, I get it. But when you play, when you play the game, Ocho, you have a different perspective because you know what it takes because winning isn't easy.

At all. And as you go further and further along, it gets harder and harder to win. 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. Yes. To do what they did. what andy reed and patrick mahomes are doing consistently year in year in a year out for the past seven years i have many years uh patrick mahomes has been started 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's very hard to do what they're doing it just people have been spoiled by what they've been able to accomplish. It's just a testament 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. It is. Ocho, but think about it. Think about how many times I think Tom Brady might have won a division like 15, 16, 17 times in his career. Ocho, 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 wanted, what, eight, nine straight years. Because 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. 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 stopped going on vacation. Why you making something? Don't you want your team to beat them? I thought you'd beat a man. You got to beat the man. To beat a champ, you got to beat the champ.

Listen, I like it. Hey, that game going to be so good, man. Yes. At least that's what we're hoping. It's Saturday. It's Sunday. Sunday. Both games on Sunday.

Same time, like 3 and 6.30, I think. 3 and 6. 5 and 6.30, 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 Zicheli's 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, Achilles heel is turning the ball over and he's fixed it. He's fixed that. People ask me who's going to win the game. And I said, the team of the quarterback that makes the fewest mistakes. The team of 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. And finally, beating the greatest that has passed. Exercise of those demons. Yeah. Because here's the thing, Ocho. People keep saying, well, you know, does Josh Allen have to be Superman? No, he doesn't.

He can be Clark Kent as long as he doesn'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 turned 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 Chiefs. The Patriots did it, and we're like, oh, so we done with that now, Ocho. We ain't got to 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 know this, Ocho, but animals, like if you have a squirrel or a raccoon problem yeah if you get rid of them and you don't board it up another another family come in because those animals are territorial so if one move the other one to move right in 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 guess what? You move one of them set up, somebody coming right back in. Right. 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 going to be like this for a while. We got a long way to go now. He's 29. Long way go now. He's 29.

Long way to go. He's 29. Now, there are a lot of great young quarterbacks. There are a lot of great young quarterbacks. I mean, Big Ben was a good quarterback. Phillip Rivers was a good quarterback. Peyton Manning was in the league at the time. There were a lot of quarterbacks in the league.

Donovan McNabb 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. Donovan McNabb 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 picking order. So until somebody beat him and you're going to, hey,

don't think now you can knock him because Cincinnati knocked him off one year. And guess what? They came back and got two more. So just because you knock him off, don't think that's the end of them 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 went FOMO. Mm-hmm. Made for This Mountain is a podcast that exists to empower listeners to rise above their struggles, break free from the chains of trauma, and silence the negative voices that have kept them small. Through raw conversations, real stories, and actionable guidance, you can learn to face the mountain that is in front of you. You will never be able to change or grow through the thing that you refuse to identify.

The thing that you refuse to say, hey, this is my mountain. This is the struggle. This is the thing that's in front of me. You can't make that mountain move without actually diving into that. May is Mental Health Awareness Month, a time to conquer the things that once felt impossible and step boldly into the best version of yourself to awaken the unstoppable strength that's inside of us all. So tune into the podcast, focus on your emotional well-being, and climb your personal mountain. Because it's impossible

for you to be the most authentic you. It's impossible for you to love you fully if all you're doing is living to please people. Your mountain is that. Listen to Made for This Mountain on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. I'm Michael Kassin, founder and CEO of 3C Ventures and your guide on Good Company, the podcast where I sit down with the boldest innovators shaping what's next. In this episode, I'm joined by Anjali Sood, CEO of Tubi, for a conversation that's anything but ordinary. We dive into the competitive world of streaming, how she's turning so-called niche into mainstream gold, connecting audiences with stories that truly make them feel seen. What others dismiss as niche, we embrace as core. It's this idea that there are so many stories out there, and if you can find a way to curate and help the right person discover the right content, the term that we always hear from our audience is that they feel seen.

Get a front row seat to where media, marketing, technology, entertainment, and sports collide. And hear how leaders like Anjali are carving out space and shaking things up a bit in the most crowded of markets. Listen to Good Company on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. In the fall of 1986, Ronald Reagan found himself at the center of a massive scandal that looked like it might bring down his presidency. Did you make a mistake in sending arms to Tehran, sir? No.

It became known as the Iran-Contra affair. And I'm not taking any more questions in just a second. I'm going to ask... I'm Leon Nafok, co-creator of Slow Burn. In my podcast, Fiasco, Iran-Contra, you'll hear all the unbelievable details of a scandal that captivated the nation nearly 40 years ago, but which few of us still remember today. The things that happened were so bizarre and insane, I can't begin to tell you. Please do. To hear the whole story,

listen to Fiasco, Iran Contra, on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. Float like a butterfly, sting like a bee, your hands can't hit

what your eyes can't see. Muhammad Ali was never afraid to express himself loudly and boldly and stays true to form in Ali and Me, an eight-part Audible original. Guided by his own words, this series explores Ali's life and legacy through never-before-heard audio recordings and discussions with those who knew him best. Muhammad had this real sense of his own personal values and principles, things he believed in, his own sense of conviction.

Those convictions never wavered. Hosted by Muhammad's wife, Lani Ali, and his close friend, award-winning broadcaster, John Ramsey, Ali and Me goes beyond the boxing ring to delve deeply into Ali's extraordinary life through conversations with Billy Crystal, Mike Tyson, Rosie Perez, Common, Will Smith, and Bob Costas. It created a North star for me of how I want to be in the world. You know, as a child, as a young person, he gave credence to my audacity. There's no debate that this is the greatest global

sports figure of our lifetime. Listen to Ali and Me, now on Audible. All right, Ocho, we got a very special guest joining us, a very good friend. I met, had a conversation with him, asked him would he join us from time to time. 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. He told me, like, if your assets are on your ass, you're not set. Without any further ado,

let's give it up. Good friend of mine, John O'Brien. 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?

The ladies had talked to me about you since you were at the forum, and they said, you know what the biggest thing on Shannon Sharp is? I was like, I don't know if I know the answer to this question. They said, no, the biggest thing on Shannon Sharp is his credit score. He's got 800 credit score. He's

got an 800 credit score. This brother's making smart sexy. We've been making dumb sexy for way too long. We've gone 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. Then what's your credit score? That's your partner for life. Anyway, I heard that you're at a very high credit score, Shannon.

Kudos to you, brother. 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 it back up there, but I'm trying. Yeah. 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 every time on Twitter. They argue in 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 see the dollar figures and the amount of money, and they forget credit. I want 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. When Ambassador Young was on that balcony with Dr. King, he was assassinated. He's also built the city I'm in now, 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 Ressler, billionaire, taught me this lesson. You make money during the day. He owns the of hawks for those who are just our sports fanatics that's not why he made his money that 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 build 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 this. 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're just going to go spend 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 figures to be Gucci sports people and whatever the brands are. They're going to wear it on 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 are published 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 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, mindset, 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 and in the music business and back. You signed it. The Klan didn't tell you to sign it. Nobody set up your hand with a butcher knife and said, sign that contract. You said, y'all, I don't need to. I just want 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. And 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. 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 dollar, I'm going to 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. Redistribute it to everybody in the world equally. Within three years, we'll all have it better. Yep. If you don't do anything else, we'll all have it back. Because somebody understands how capitalism

and freedom of rise 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 Hope Global Forum. We had the Hope Global Forum. And my man just was nosy. Ask Quincy Jones, how'd you get so smart?

I'm just nosy as hell. I want to 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. You don't know what you don't know. John, let me ask you this. And I don't 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. And the Asian community, it stays there like 20 days. And the white community stays there like. 10 days, 15 days in the black 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 where the pit stop. 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 three hundred and eighty thousand dollars and that's all the money I ever they gave and they weren't working. They're 20 years old. Let's just say twenty five thirty. Would that money last them a lifetime? Won't last them six months. Look, it happens every day. It's called lawsuit settlements. It happens every day.

You go to an urban radio station, 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 if somebody somebody to agree to the truth

when the lie is paying their paycheck. Here are the bookends. Abusal statements and bookends. Hoodwink, bamboozle, let them stray, run them up. Yeah. The other comment, it's hard to get somebody to agree to the truth

if a lie is paying their 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. Law firms, lawsuits, I mean, high interest rate, you know, the seed paper mortgages, seed paper, auto loans, is right there in broad daylight. I'm going to 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, AI is going to make criminality really a bad business. These robots, these cameras and artificial intelligence, you need to get a new gig. That day is soon, and I mean the next couple of 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 renter onowned store next to a title lender next to a liquor store next to a pawn shop a fast food store restaurant and a church down the street trying to make you feel

a little bit better once a week. That's your neighborhood psychology. That's your neighborhood psychologist. That's your neighborhood shrink. We don't want to admit we're 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 holla, 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 God, we think materialism's

God, we think some rapper's God 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 pimped a 500 credit score neighborhood

the only place you see those places or is it a 500 credit score neighborhood by the only place you see those places are in a 500 credit score neighborhood. By the way, black and brown urban, poor, white, ruling. Now you go 15 minutes away in every city in America. I've mapped every zip code in America by credit scores. The Hope Financial Wellness Index.

You can go to my website and you put in your zip code, I'll tell you your credit score in your neighborhood to my website and you put your zip code. I'll tell you your credit score in 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 is the same thing. Every, wherever you are now. And that's seven of the critical neighborhood. Two pair of households, prime financing, 75% homeownership rate. I'm almost not existing.

Whole foods, sit down restaurants, proper businesses, mainstream banks. Right. 13 minutes away, a third world country. We think this is normal. This is why you cannot give somebody three hundred and fifty, three hundred and eighty thousand dollars. And think that there's a lifetime, It won't last them a year. I said six months. I'll be gracious. It won't let,

if you're outflow, it 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 in slave. My second grade grandfather on my mother,

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 quartile of poverty in 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,

Ocho Cinco. 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% whole ownership. 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. Go to a barbershop. Go to a nail salon in black community.

I'm not talking about us. I'm helping out the helpless. Listen to what we're talking about. We're talking about mostly other people. Go ahead, go ahead, Chad. You like Chad or Ultra Single, by the way? No, it doesn't matter what you call me. I'm going to answer. I have a question.

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 where 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 want to see Joe win, but I don't 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 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 a magnet and a holding place for poverty. Americans, y'all lazy, all not 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 is gold mines. In fact, Haiti was the wealthiest outpost for France in the world. It was Haiti. That's a whole other story. We get to it before we end because that's the France in the world was Haiti. And that's a whole nother 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 the guy's his biggest view in Shannon now. High self-esteem, confidence. Your tribal leaders, your chieftains, they captured you. They brought you here. But they got to get the self-esteem out of you.

The first thing you're going to do is fight. You see your wife being abused. You see your children being sold off. I'm not trying to start 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 quite a lot of people to hold Shannon down. They're holding him down. It takes quite a lot of 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. 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 in the world is 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 on a plantation. True fact. 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 we 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 untapped 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 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 going to like you. If I don't feel good about me, I'm not going to 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'm going to 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 building 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, when, 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. Cause I, when you succeed, I don't, 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, 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 the bestseller one before that was up from nothing before that i had six of them but this last the one before that up from nothing i had five pillars as much education you can shove down your throat how do we reverse what we're talking about oh single as much education you can shove down your throat. How do we reverse what we're talking about? Oh, just let it go. 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. 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, forget black lives Matter, let's make Black Capitalists Matter. So, that's why I say a Black Jewish business plan. Number one way you build wealth in America. Homeownership. What do we argue about? Endlessly, because we 41, 42, 43% of Black people

own a home, compared to 75% of our mainstream counterparts read white. The whole tax code in America is designed to support credit scores. I'm sorry, designed to support homeownership. But we want to argue about, John, you know, there's somebody probably in the chat right now.

What are you talking about? We don't own the home, the bank owns the home. If you don't pay... Ha ha ha! Ha ha ha! Ha ha ha! Ha ha ha! owns a home. If you don't pay... I mean, I can go at this all day. I like math because it doesn't have an opinion. But no one taught us this. I mean, this is basic stuff. Three things have never gone down in value. Stock market value, real estate values, and GDP of America, gross domestic product.

In the history of America, gone up, there was a recession, it receded, and corrected above the line. Every time. Made for This Mountain is a podcast that exists to empower listeners to rise above their struggles, break free from the chains of trauma, and silence the negative voices that have kept them small. Through raw conversations, real stories, and actionable guidance, you can learn to face the mountain that is in front of you. You will never be able to change or grow through the thing that you refuse to identify. The thing that you refuse to say, hey, this is my mountain.

This is the struggle. This is the thing that's in front of me. You can't make that mountain move without actually diving into that. May is Mental Health Awareness Month, a time to conquer the things that once felt impossible and step boldly into the best version of yourself to awaken the unstoppable strength that's inside of us all. So tune into the podcast, focus on your emotional well-being, and climb your personal mountain. Because it's impossible for you to be the most authentic you. It's impossible for you to love you fully if all

you're doing is living to please people. Your mountain is that. Listen's impossible for you to love you fully if all you're doing is living to please people. Your mountain is that. Listen to Made for This Mountain on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. I'm Michael Kassin, founder and CEO of 3C Ventures and your guide on good company, the podcast where I sit down with the boldest innovators shaping what's next. In this episode, I'm joined by Anjali Sood, CEO of Tubi, for a conversation that's anything but ordinary. We dive into the competitive world of streaming, how she's turning so-called niche into mainstream gold,

connecting audiences with stories that truly make them feel seen. What others dismiss as niche, we embrace as core. It's this idea that there's so many stories out there. And if you can find a way to curate and help the right person discover the right content, the term that we always hear from our audience is that they feel seen. Get a front row seat to where media, marketing, technology, entertainment, and sports collide. And hear how leaders like Anjali are carving out space and shaking things up a bit in the most crowded of markets. Listen to Good Company on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. In the fall of 1986, Ronald Reagan found himself at the center of a massive scandal that looked like it might bring down his presidency. Did you make a mistake in sending arms to Tehran, sir?

No. It became known as the Iran-Contra affair. And I'm not taking any more questions in just a second. I'm going to ask... I'm Leon Nafok, co-creator of Slow Burn. In my podcast, Fiasco, Iran-Contra, you'll hear all the unbelievable details of a scandal that captivated the nation nearly 40 years ago, but which few of us still remember today. The things that happened were so bizarre and insane,

I can't begin to tell you. Please do. To hear the whole story, listen to Fiasco, Iran Contra, on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. Float like a butterfly, sting like a bee, on the iHeartRadio app, Apple he believed in, his own sense of conviction. Those convictions never wavered. Hosted by Muhammad's wife, Lani Ali, and his close friend, award-winning

broadcaster, John Ramsey, Ali and Me goes beyond the boxing ring to delve deeply into Ali's extraordinary life through conversations with Billy Crystal, Mike Tyson, Rosie Perez, Common, Will Smith, and Bob Costas. It created a North Star for me of how I want to be in the world, you know. As a child, as a young person, he gave credence to my audacity. There's no debate that this is the greatest global sports figure

of our lifetime. Listen to Ali and Me, now on Audible. John, let me ask you this 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 and you got to pay a car note and you got to pay bills that leaves you very little disposable income in order to put into the market so therefore they're wise 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 shannon sharp So 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 they retire, they have something to have a nice little nest egg? So you don't have a self-esteem problem, Shannon. No, hell no. I love you. You won't have a problem with me when I say to you that what you just said is wrong. Okay. Now, when it comes to professional sports and home sports, I got to 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 it was a beautiful setup. That is just incorrect. My mother worked

32 years at McDonald's aircraft, making $15 an hour. She died September last with a million dollar network. She had bought and sold seven homes. Her credit score, like you, was 854, I believe it was. It used to go over

850. It 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 that's twenty percent 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 all right so stop smoking cigarettes and go get you a curating 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 do just stop doing silly stuff like going to a fast food restaurant every other night cook something at home and by the way might extend your life because you cannot have a soul food diet for the rest of your life and live to 80 years old there are no 300 pound 80 year olds and that's a diet that was designed for slavery 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, hog maws, pig feet, fried chicken. Oxtail neck bone. Oxtails.

I love oxtails. And we put salt on all the meat so it didn't die in the heat. Yes, you had to cure it. And salt preserves it. You're absolutely right. 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. folks are inflamed. We're not fat. We are inflamed. 75% of all disease. My wife changed was a wellness expert. She'll tell you 75% of all disease lives on inflammation. Inflammation. What is it? It comes from bad environment.

Back to this example. Let's assume that you don't have a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, a, assume that you don't have a, I'm about to say crack at it, you don't have a Starbucks or a cigarette, alcohol. Yeah. Listen, you don't have that. You're just wasting a little bit of money.

Take $25 that you were going to go spend on whatever and do fractional share investment. Okay. You can buy a fraction of one 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,

you can do a dollar fractional share. Don't tell me what you cannot do. Earned, so somebody watching this, you're 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 $5,000, $6,000, $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 Cinco. 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, it's 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 so and 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 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 in some place people don't want you there in a doorman in a house that you that i own i'm the landlord i'm literally the landlord i'm the i was i felt 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 5 years and I encourage 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 doing. Never say never.

Don't say, I can't do this. It's 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. I got more than I need. I never focus on it. I focus on passion, purpose, authenticity. Anyway, look, I can move somebody's credit score listening to you who's making $40,000 a year. I can turn 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 turn into a homeowner in a year. I can get your credit score up in 54 points in six months through my HOPE 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 $4.5 billion. I've invested $4.5 billion. I've invested $4.5 billion in the black and brown neighborhoods through Operation Hope with the exact stuff we're talking about. This is not theory. John, if we want to 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 and the color of your life 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 Cinco and Shannon Sharp. Because they were once you. You can be John O'Brien. You can be Charlam shoe. 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.

A hundred percent. You can't sell enough movie tickets or concert tickets or merchandise. You can't do it with the, Otro Cinco 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 Hope, we created a half a billion, sorry, a half a billion, sorry, a half a million Black businesses since George Floyd's murder. I'm committed to create a million Black businesses by 2030. This is a 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 rock 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 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 nightclubs made at 500 on a bottle of champagne it costs them 25 be the company itself in the bottles don't go to the club. Own the club. I was with Mike Maples, who's one of the top 20 venture capitalists. I'm sorry, I'm packed. Am I talking too much? No, go ahead, bro.

Go ahead, go ahead, go ahead. My mother always said, you don't want to be the old guy in the club. So before y'all get me out, I'm going to leave, right? So this guy named mike maples um he's a big venture capitalist in uh silicon valley i was talking to him one day i said mike tell me about your family oh just normal family mike i didn't ask you that and she told me about your family well my dad worked for microsoft okay what are you doing microsoft oh he worked for works for Bill Gates. I said, look, technically, everybody works for Bill Gates?

Like, what do you do? Yeah. And 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 centimillionaires, 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 probably 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. Right.

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 our neighborhood. I'm going to sell this business to Disney. Mindset.

Mike Mabel Sr. 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 there scratching my head going, wait a minute. The kid just said, I'm a businessman. I'm going to 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 build a 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 got to first collect it like a capitalist. So anybody out there who has a problem with what we've been saying in this last hour, let me say this to you. You try government charity. You try social justice. You try guilt. You do 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 tried 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. Oh,

Chosinko be dropping, be dropping some gems. And you, you asked me, you be weaving knowledge. Charlemagne is very good at this. Weaving knowledge

and education into the entertainment. That's the, at scale. We got to make this mainstream right now. Dan. John, I appreciate you joining us tonight. That's what we're going to do from time to time.

Our job here at 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 here from Ocho and I. And sometimes we need to bring a new voice in, someone that succeeded on a grander scale that can speak the 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 T.D. Jakes and Charlemagne and Stephen A. Smith, they're all rooting for you. Isn't that a beautiful thing? A black man loving another black man and completely straight. So your audience, I want you to hear now

this last thing. Anybody, all of the folks who want to be ballplayers 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. Two years. Thank you, Ojo. You would know better than me. would be conservative and by the way and then your wife leaves you yeah so this is if your outflow exceeds your inflow and your overhead is going to be a downfall if you've made all this money your whole life and you're now used to people federing you protecting you serving you uh 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 you need help they can't come to help you because you're the source so we've got to get our mind right because even when those who are succeeding at the top of their game aren't using an opportunity to turn an income into wealth that 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 who've actually done this right. Hey, John, I need a couple of those cars that Reggie got. You know, Reggie got a big car. Reggie's balling, man. Reggie is balling. He is. He's balling. 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're going to get together and have a chew the 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. Sending you love and light.

Everybody go out and get Financial Literacy for All. It's my newest book. Peace and light. Go get Operation Hope Counseling. I'll give you $1,000 free scholarships to go to Operation Hope, get a year's worth of coaching and counseling. So don't say that Shannon didn't do anything for you. Shannon and Ocho Senior.

Thank you, boss. Thank you. Appreciate that. Peace. That was John O'Brien. He's brilliant, Ocho. I mean, 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 are like, well, I ain't 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 $5 to a $7 latte. You got money to do that. You got money to go on all these vacations. I've never understood borrowing money to go on a vacation i've never understood that don't you maybe that's just me i'm not gonna go if i can't

go and pay for i'm not finna go into debt to do it yeah and you know one of the things i've always had you notice i know you were talking 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 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. I need to have a mental lapse of just, of calmness and peace. Yes. I just go on a vacation, just 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'm worried the whole time, how the hell am I going to pay for this? That ain't no, that ain't no peace Ocho. I mean, I've got to get away like,

oh, 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. Ooh, I probably should have come.

And I hear people say, Oh, 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 then 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 are you going to do? Yo kid, somebody else going to 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, having the 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. You're 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. Ocho, 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. A prime example. I couldn't get a car. And so, I mean, now, if you want to pay cash for everything, they'll graciously accept it. But now, if I got that kind of cash, I'm going to put it away. I want to put a large portion of it away and let it work for me because I know I'm going to get somewhere between 4% and 8%.

Yeah. I ain't trying to pay no car. I ain't trying to put $200,000 to pay a car for $200,000. Or we'll have the car cost $30,000, $40,000. Or I want to get a house and I got to 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, you know, 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 hope, and we're not doing political. Hey, I've made peace with the decision that the American public made on November, that second Tuesday in November. I've made peace with that. I ain't finna work my nerves up.

These four years gonna go by in a breeze just like the last four years and the four years before that. So y'all can get all upset and talk about, oh, I don't know what I'm going to do. I know what I'm going to do. I'm going to keep my head down. I'm going to keep my ears closed and I'm going to go to work.

That's what I'm going to do. Now, I don't know what y'all going to do, but I'm going to tell you what Shannon Sharpe's going to do. That's what I'm going to do. And when these four years is up, I'm going to look up. There's going to be somebody come in, make a whole lot of promises, and they don't deliver. Some people are going to get delivered. That's going to 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. The Made for This Mountain podcast exists to empower listeners

to rise above their inner struggles and face the mountain in front of them. So during Mental Health Awareness Month, tune into the podcast, focus on your emotional well-being, and then climb that mountain. You will never be able to change or grow through the thing that you refuse to identify. The thing that you refuse to say, hey, this is my mountain.

This is the struggle. Listen to Made for This Mountain on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. I'm Michael Kassin, founder and CEO of 3C Ventures and your guide on good company. The podcast where I sit down with the boldest innovators shaping what's next. In this episode, I'm joined by Anjali Sood, CEO of Tubi. We dive into the competitive world of streaming. What others dismiss as niche, we embrace as core. There are so many stories out there.

And if you can find a way to curate and help the right person discover the right content, the term that we always hear from our audience is that they feel seen. Listen to Good Company on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. In the fall of 1986, Ronald Reagan found himself at the center of a massive scandal that looked like it might bring down his presidency. It became known as the Iran-Contra affair. The things that happened were so bizarre and insane,

I can't begin to tell you. Please do. To hear the whole story, listen to Fiasco, Iran-Contra on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. You're listening to an iHeart Podcast.