The 85 South Show with Karlous Miller, DC Young Fly and Chico Bean - JOHN HOPE BRYANT in the Trap! | 85 South Show Podcast

Episode Date: September 26, 2025

JOHN HOPE BRYANT sits down with the fellas to share some financial gems! || 85 SOUTH App: www.channeleightyfive.com || Twitter/IG: @85SouthShow || Our Website: www.85southshow.comSee omnystudio.com/listener for privacy information.

This is an I-Heart podcast. It may look different, but native culture is alive. My name is Nicole Garcia, and on Burn Sage, Burn Bridges, we aim to explore that culture. Somewhere along the way, it turned into this full-fledged award-winning comic shop. That's Dr. Lee Francis IV, who opened the first Native comic bookshop. Explore his story along with many other native stories on the show, Burn Sage, Burn Bridges. Listen to Burn Sage Burn Bridges. Listen to Burn Sage Burn Bridges on the IHeartRadio app, Apple Podcasts, or wherever you get your podcasts.

I'm the homeguard that knows a little bit about everything and everybody. Let me know Lauren La Rosa. Do you hear that exclusive? Lauren came in. I came in telling the truth. Every day, I'm bringing you the latest in entertainment, breaking down the headlines you can't stop talking about, and giving you my very unfiltered tape on the biggest stories in the industry. From exclusive news, and y'all know I got it, to us breaking down the interview.

because y'all are my co-hosts now. I'm giving you the deep dives on some of the biggest moments in pop culture. Oh my God. Listen to the latest with Lauren the Rosa weekdays on the IHeartRadio app, Apple Podcasts, or wherever you get your podcast. Culture eats strategy for breakfast, right?

On a recent episode of Culture Raises Us, I was joined by Valisha Butterfield, media founder, political strategist, and tech powerhouse for a powerful conversation on storytelling, impact, and the intersections of culture and leadership. I am a free black woman. From the Obama White House to Google to the Grammys,

Valicia's journey is a masterclass in shifting culture and using your voice to spark change. Listen to Culture raises us on the iHeart Radio app, Apple Podcasts, or wherever you get your podcasts. I'm Bridget Armstrong, host of the new podcast, The Curse of America's Next Top Model. I've been investigating the real story behind that iconic show. I ended up having anorexia issues, bulimia issues,

by talking to the models, the producers, and the people who profited from it all. We basically sold our souls, and they got rich. If you were so rooting for her and saw her drowning, what did you help her? Listen to the curse of America's Next Top Model on the iHeartRadio app, Apple Podcast, or wherever you get your podcast.

This is our studio. This setup right here, we're going to shoot some. TV out of here. We're going to shoot some movies. We got a couple shows that we produce outside of this in the studio. We should have walked you around here before it started. This is our hug for us to create. I got that. Can't nobody tell us no. I got that. Hey, before we do it, let's give them a quick work. But it's the music business, it's the show business, it's a business of. So doing the creative, that's great and that's in the moment,

that's beautiful. But I'm talking about licensing rights, publishing rights. We got all that. Publishing. So you have publishing deals? You have licensing. And then deals, it's going to be, okay, well. We have a licensing deal with, who is the license out? Black, Black Effect. Black Effect. That's great.

When it comes to the audio, so that's the only deal we got. I'm on the board of Black Effect. You feel what I'm saying? Yeah. So, that's a good, that's, we do need help with branding deals and those aspects and other deals that may not even know what's going on. We are sponges. We're learning.

We're just some young entrepreneurs who took an opportunity. Took the little money we did make and when we're flipping it to the ownership and we get to have a conversation like this. What you guys have done is great, man. I just want you to go from, I've said a lot of frustrating, I've observed a lot of frustrating interaction.

Cut me with that. God damn, I can't hear. In the last week of people who are young, temporarily successful, and actually think that they know what the fuck's going on. In reality, God gave you two ears and one mouth. You listened twice as much as you talk. and the guy who was doing the talking

who was referred to me by Killer Mike didn't know shit about what he was talking about but he was talking to somebody who's built the shit that he's talking about and it didn't bother me because I'm gonna be fine but this guy, I literally believe this guy who was coming back and forth to me

who's making seven figures right now he's gonna be broken five years because he just runs his mouth too much so what we have mastered, we've mastered hustle, we've mastered the bag we've mastered making money but we don't know how to build wealth You make money during the day you build wealth in your sleep.

This is going to be my first question, though. Where is the black wealth? There is no black wealth. There's only green wealth. So if you want black wealth, you create green wealth, and you go back into your black community with your philanthropy and with your investments and you build up your community.

But you don't see Jewish people saying, I want a Jewish customer. You don't see white people or Asian people saying, I want Latino people saying, I want Latino customers. You want every customer you can get. You want to get every dollar, can get, and then you take that, you're a great business person who happens to be black.

If Obama was a black president, he never would have been president. Now, the last two years of his legacy, he reaffirmed his black legacy, but he had to appeal to everybody in order to become president of the United States. Black, 96% of black businesses don't have an employee. 96%. Most of our black community is consumer spending. Most of the $1.7 trillion is consumer spending. We don't own shit

We talk shit We make a dollar But it doesn't circulate But one time in our community Then it's out We're rocking the mic But we don't own it Forty four percent of us

Own a home Compared to 75% of white folks But the number one way You build wealth in America Without question Is home ownership Without questions But if you talk to a lot of us

We say oh shit I don't want to know I don't own the home The bank owns the home Shut the fuck up If you don't pay The bank owns a home but the entire tax policy in America is designed around homeownership the entire tax policy

so you give you a 30-year mortgage by the way there has no billionaire i talked to two of them today there's no billionaire three of them today no billionaire no successful city no successful county no successful state no successful country no successful company that didn't do it on the back of good debt mortgage is good debt good debt's tied to something that appreciates bad debt is something that depreciates. So you finance jewelry, that's a bad debt. Financing a car, typically, that's a bad debt. Financing, unless it's tied to a write-off. But financing a home with a 30-year mortgage, where 20 of those 30 years, you actually write off in interest payments. It's interest expense, which you write off against your income, which you get back in a tax refund. Then you get

the benefit of the appreciation of the house. That's free equity. You get the benefit of the depreciation. that's a tax benefit, you get up basically some place to live, you're also some going up in value because they aren't growing anymore land and real estate only goes up. But only 44% of us own a home. But we've been listening to all this bullshit by people saying don't own a home. People on TV tell you not to own a home, own a home. The folks on CNBC telling you that poor people, working class people, minority shouldn't own a home, I guarantee you.

if you do some research or whoever that commentator is, they own one or several homes. They want you to rent. They want, this group wants, in five years, they want 70% of this country to be renters and they'll be the honors.

Capitalism is the gladiator sports, not personal. It's just business. Whenever you're making the emotional decision, it's a bad one. Let me ask you this about, you know, they're having a big... I overanswered your question, I apologize. No, because that's what it is.

I don't have no lot of questions. I told her your sister, I just came here to listen. Because you know what the fuck you talk about, and I need to hear that shit. Well, God gives us two ears and one mouth. We listen twice as much as we talk, so. And I'm nosy as fuck. So with the private equity, buying up all the homes. Don't get my cursing on camera, please.

What do you mean? Don't cuss? No. That's not, that's your brand. It's not mine. All right, so you want us to bleep it out? You guys taping already? Yes, niggas.

I'm like, you got to start. Welcome back to the 85 South Shore. You got to start now. And start. We ain't wasting a word in here. Yeah, but we got the legend. I was waiting for my tour. The mogul.

The chairman. Tokyo Talk. Hold on, hold on. Wait a minute. Wait a minute. We don't have a lot of niggas on the cap. No, this is not a nigga today. No, no, no.

No, no. Start open. Start open. Hey, welcome back to the 85 of South show. Yes, sir, we're not doing none of that today, D.C. We got the chairman in here with us today, man. We got to keep it real. We got to keep it all the way thorough.

This ain't an episode. This is a class. This is a master class. It's a masterclass. But I am from Compton, so it's okay. It is from Compton. Don't bring the Compton out. None other than Mr. John Hope Brand is in here today.

In the trap. A lot of money right here, man. You feel what I'm saying? No cap. Not just money, currency, wealth, wealth, appreciation, all of that. Welcome to the 80 FASA. Thank you, brother. Money's actually pretty irrelevant.

Right. Off the top. I mean, we obsess about money, the bag, the dollar, all that stuff. It's rearranging the deck tears on the Titanic. All money is an exchange of value. So if I take your hoodie off and on the back, back of your hoodie, I write, pay to the order of, and I put your routing number for your checking account, put your checking account number, put in an amount, sign it, and date it.

You can take your hoodie off and go down to the bank, and they'd sit there scratching their head trying to figure out whether they are legally obligated to cash your hoodie. because it's the check that we up until five years ago everybody would write checks those that checkbook was simply a way to transfer the value of the money that you have sitting somewhere that you own so now it's an ATM card or it's a debit card or it's a digital card but all of it is just a means to transfer value the question is not what are you transferring the value what are you transferring it for or or two, because money has velocity.

So that cash flow, cash flow, making a living, so we make a living, and we use cash flow, and that cash is flowing. It's either flowing to dumb shit, or it's a wise decision. But it's flowing. That's why 70%, I love the 70% number, it's historic, 70% of all those who are in the NFL and NBA

are bankrupt five years after retirement. Do any of them ever reach out to you for any counseling? Yeah, I do. I'm really, really proud of a lot of strong brothers, and I don't have the permission to mention their names. There's a couple, T.I. wouldn't mind me mentioning his name. Killer Mike wouldn't mind me mentioning his name. But the athletes, I don't want to mention their name without their permission.

Stephen A. Smith, et cetera. There's a lot of brothers who call me, and we have real conversant. Charlemagne, we talk all the time. And I'm just really proud about how they're really proud about how, these brothers are really smart and they're really trying to become like legit business people and we have real conversations

and when it's about their area I shut up and listen and it's about my area we don't need to say it they just shut up and listen and we chop it up and we just go back and forth I'm learning from them they're learning from me

we're all nosy as hell let's take it back for all the people who are watching this show and let's get a brief intro or how and why and where you started all this I was tired of being, I was tired of our people, brilliant, amazing, genius, broke.

I was tired of the indignity. I grew up in Confident in South Central. My best friend was murdered when I was nine. Sorry, I'm trying to, just took a minute, just trying not to get emotional, because whenever I say it, I can see it. He was, name was George, he was a really smart guy, hung out with a drug dealer next to me, his name was Tweet. and start talking like tweet, walking like tweet,

acting like tweet, trying to be cool like tweet, selling drugs like tweet, got shot on somebody else's street corner, just like tweet, talking about this is my corner. The fool of the city owns a corner. You don't even own the corner. And unless I mention George's name, George's lost the history. I've been mentioning his name, you know, for 40 years now.

Because if I don't mention his name, it doesn't exist. exist because our lives to many people are disposable because he never made his mark but he was smarter than me technically then I had the guy who saved my life when I was six seven years old his name was OC and my mother my mom and dad divorced over money when I was four or five six years old in South Central and my mother left my dad in Los Angeles and we owned a gas station at Anybody listening to your show, watching your show in L.A. at a gas station is still there. Western and Vernon, southeast corner, we owned that gas station.

We owned an eight-unit apartment building on Martin of the King Boulevard. It used to be called Santa Barbara. We owned a home on that same street. We owned a nursery business. We owned a cement contracting business. We lost it all because my dad could make it but couldn't keep it. My dad was that brother obsessed with making that cat. But if you make a dollar, spend $1.50, the more money you make the broker you get.

If your outflow sees your inflow, then your overhead will be your downfall. And so my mother was a great investor, great saver. My dad just thought she was fine. Didn't realize that was his business partner. And so he didn't give her the respect of partnership. Didn't see the value. Yes, right. Marriage was first business before it was anything else.

6,000 years ago. It was a business arrangement. And then it became spiritual, endowed with spirituality. And then it became about, she's fine. Right. And we get all hooked on the she's fine and he's handsome part.

You'll realize when the looks fall away and the body drops, that's your business partner for life. If she's dumb as rocks, you got a problem. So it's not just about how fine you are, is what's your credit score? We gotta make smart sexy again. So my dad, my mom, because the number one course is called because the number one cost of divorce is money amongst everybody. Mom and dad, over money.

I watched it. And so they broke up, and they lost everything. My dad lost everything. My mother went to go live with a girlfriend of hers. Her girlfriend's boyfriend was O.C. O.C., I fell on his porch. I was swallowing my tongue when I was six, seven years old. He saved my life, hit me between my shoulder blades, back of my neck,

caused my throat, my tongue to come forward. I was choking. So I love this dude, man. I didn't know him. Like, this is my hero. I didn't realize pride. Ambassador Young says that men and women fail for three reasons, arrogance, pride, and greed.

I didn't realize that O.C. had pride, and he didn't want to tell my mother that he couldn't take care of his family and our family in his house at the same time. If he told my mother that, my mother was working at McDonald-D. aircraft she would have helped him she would have pitched in but he didn't say that he's like i got i'm good we're good well he wasn't good he worked a regular job but then he had to get some

extra money so we ran around the corner to sell some marijuana he wasn't very good at it and the guys who thought that was their corner followed him home and i'm sitting on the porch waiting for the guy to come home who saved my life And they hit him in front of me in the truck. I remember it was a lifted truck. And they waited for him to get in front of the house. We would get the full trauma and get the message. And they hit him from behind and dragged him.

He was on a bicycle. And they dragged him down the street until he was dead. Mangled the bike and his body. And I could see it just like I was talking to you like it happened yesterday. That was over drugs. Well, I was really over money. So the divorce was over money. My mom and dad fighting was over money.

We lost all our assets over financial literacy because we didn't understand money. The guy who saved my life lost his life over money. My best friend was murdered over money. So by the time I was nine years old, there was only one constant. Money. And we didn't understand it. And I saw all these brilliant people in my neighborhood, prison, probation, parole, death. I'm like, no, no, we, I'm not going out like this. So I started looking around.

I became nosy. And I'm like, okay, everything we've been doing hasn't worked. So that's got to be another way. There's got to be a way out of this. So I went to school. And as God would have it, this white banker came in the classroom and taught financial literacy. I didn't know what that was. We didn't want him there.

He didn't want to be there. He came in once a week. He had a beautiful suit on. tie in stitching, white shirt, Egyptian cotton, red tie, I remember, didn't get this guy's name. First week, it's like, yeah, man, get out of here. He's like, I don't want to be here anyway. Second week, he started talking about money. Third week, I wore a suit just like them, my Sunday suit.

I know what they're made for me. Fourth week, excuse me, sir, what do you do for a living, and how did you get rich legally? I was dead serious. Excuse me. Yo, and everybody else playing around. Yo, yo, yo, what do you do for a living? You, how'd you get rich legally?

Because you got a nice car in the parking lot. It's got tags on it. Right? Ain't nobody chasing. You're here in the middle of the day. My mother's working an hourly job in McDonald-Dillard's aircraft. She gets paid $12, $15 an hour.

She has a 15-minute break, twice a day plus lunch. She only shows up If I tear my butt, she shows up. Other than that, she can't just leave the job. You hear in the middle of the day. How do you do that? He said, it's called a salary.

I don't know what a salary is. You said, I'm a banker and I finance entrepreneurs. I said, sir, I don't know what an entrepreneur is. I never heard that word my entire life. I'm nine years old and I'm curious. I'm nosy as ill. Whatever it is, if it's legal and you're financing it, I'm going to be one.

Open the dictionary. It's called a Google search now. Over the dictionary. Entrepreneur. French word. Build something from nothing. Create value. Okay.

Through what? Capitalism. How? Free enterprise system. Okay, so I go back. Look, I'm going to be an entrepreneur. Thank you very much. By the way, just curious.

This banker thing you said you are? Pay some money. Oh yeah, it pays really well. Okay, great. Then he more like you? He laughed. What do you mean? No, I'm serious.

Like, you said your job is to lend an entrepreneur money. There's more than you? He said, sir, there's 10,000 banks in America back then. There's got to be a couple million bankers. That's just slow. Whoa, whoa, slow down. Wait a minute. There's a couple million people whose job it is to lend poor people money.

And all I got to do is prove you I can pay it. is prove you, I can pay it back. He says, yeah. Why the hell we're shooting each other? Why is it, why is, what's the, what's the, what's the, what's the, what's the, what's the, what's the, what's the, what's, what's the, and the murder and the mayhem and the, because all a drug dealer, a successful drug dealer is an illegal entrepreneur. He's not dumb. He's not stupid. He says a bad business plan.

He understands import, export, finance, marketing, wholesale, retail, retail, customer service, security, territory, logistics, payroll. Real estate. HR, real estate, distribution, marketing, branding. So we're not done. It's what we don't know that we don't know, but we think we know. So at that moment, when he told me that, then I went on, I said, so if I borrow money from you and I don't pay it back, I don't get dead. And see, you're not laughing because you know what I'm talking about.

He laughed. He said, look, what are you talking about? No, we issue a notice of default. I said, you give me a piece of paper? I mean, this was mind-blowing to me. So, okay, so how do I get access to this money? Well, you need good credit. Okay, that's another thing we need to look up, right? Well, credit comes to the Latin root word credit, though, which means credibility. Capitalism comes with the Latin root word copitas, which means knowledge in the head. Banking is a trust business. So slow down. Wait a minute. I need credibility to access capital at the bank. Credibility, knowledge, trust. Oh, I can, I can scrape that up. So I started my first business the next year. It was a neighbor of candy house. And I'll say you the story, but I put the

liquor store out of the candy business in six weeks and made $300 on a four, I made $300 a week on a $40 investment. I'll tell you the story if you want me to, but the point is I was hooked on entrepreneurship. That was my way out. And I was going to drag everybody with me. So my job today is to be the plumber. My job in our community is to be the economic plumber. We don't have plumbing. Everybody else has plumbing. Every other culture has plumbing. Something to plug into to get access capital, to get an internship, to get in that office building, to do a business deal, to buy a home, to get your son or your daughter into a college or university, but mostly to access capital and opportunity at scale.

Every other culture has plumbing except poor whites, Native American Indians, and African Americans. We don't have plumbing. So I decided to create economic plumbing. So I have 1,500 offices across the country and the largest black male founded community-based nonprofit in the U.S. history. That's my philanthropy, Operation Hope. That's not where I make my money.

That's where I give it away. That's $4.5 billion we've invested in our neighborhood. You see, that's not where I make my money. That's where I give it away. I heard what he said. I'm trying to be over there in the park where you're giving it away. No, you're smart enough to be over here to help figure out how to work.

make the next batch of it. I heard you earlier. You're really smart, but you also know when to listen. And part of life is knowing when to shut up. A big part of life is knowing when to shut up and listen. I followed Ambassador Andrew Young for a decade all across this country. I'd buy a plane ticket, figure out where he was speaking, and I'd chase him. Quincy Jones.

I had two heroes when I was growing up. Two guys I wanted to meet. I didn't know him. There was only two. I want to be an international businessman, but there was no black international businessmen 30 years ago that I knew of. So there was two brothers who were international,

Quincy Jones, music, and Andrew Young, civil rights and politics. I said, well, that's good enough. So I made it my business to go be mentored by them, but they didn't know me. So my job was, how do I get in front of Quincy Jones and Andrew Young? And I just engineered it. It took me 10 years with Ambassador Young.

took me about a year and a half to meet Quincy and once I got there my job was to say just enough to impress them and then it shut the fuck up excuse me shut up and listen and I'm still listening I just talked to Ambassador Young yesterday we're like this now we're like I'm like a surrogate son but last night when I was with him just listen and I never stopped learning something from these people I was talking to three billionaires today yeah they can learn something from me and I guess that's why I can't speak for them but I think that they learned something but I'm certainly learning something from that right right so I'm I'm always here hustling you're ear hustling what is what are those conversations like when it's three billionaires on the phone well it was three separate conversation okay but it's very it's a great question because it's not what somebody would think it's not about money see they made it You can't spend that kind of money in your lifetime.

The question with them at this point is, do I like you? Do I like you or respect you? Do I admire you? Do I feel good around you? You know, do I let my guard down? Or are you just trying to get what I've got? If you're trying to get what I have, you don't get in, you don't even get that conversation. That's the vibe and energy.

Life's all about relationship capital. Like how did I get to you guys? Charlemagne. He loves you. I love him. He connect, you brothers need to, this is what I'm talking about. This is, this is what I'm talking about. You guys need to connect.

Boom, text message, instant credibility. We all know, okay, if this person's voucherable to this person, then it's all good, right? So it's like an underground filtration system. It may look different, but native culture is very alive. My name is Nicole Garcia, and on Burn Sage, Burn Bridges, we aim to explore that. culture. It was a huge honor to become a television writer because it does feel oddly like very traditional. It feels like Bob Dylan going electric that this is something we've been doing for like hundreds of years. You carry with you a

sense of purpose and confidence. That's Sierra Taylor Ornelis, who with Rutherford Falls became the first native showrunner in television history. On the podcast Burn Sage Burn Bridges, we explore her story along with other Native stories, such as the creation of the first Native Comic-Con or the importance of reservation basketball. Every day, Native people are striving to keep traditions alive while navigating the modern world, influencing and bringing our culture into the mainstream. Listen to Burn Sageburn Bridges on the IHeart Radio app, Apple Podcasts, or wherever you get your podcasts. And here's Heather with the weather. Well, it's beautiful out there, sunny and 75,

Almost a little chilly in the shade. Now, let's get a read on the inside of your car. It is hot. You've only been parked a short time, and it's already 99 degrees in there. Let's not leave children in the back seat while running errands. It only takes a few minutes for their body temperatures to rise. And that could be fatal. Cars get hot, fast, and can be deadly.

Never leave a child in a car. A message from NHTSA and the Ad Council. I just think the process and the journey is so delicious. That's where all the good stuff is. You just can't live and die by the end result. It's scary putting yourself out there, especially when it's something you really care about and something that you hope is your passion in life

and you want people to like it. Let's get delicious and put ourselves out there. I'm Simone Boyce, host of the Bright Side, and those were my recent guests, comedian Phoebe Robinson and writer Aaron Foster. On this show, I'm talking to the brightest minds in entertainment, health, wellness, and pop culture. And every week, we're going places

in our communities, our careers, and ourselves. It's not about being perfect. It's about going on a journey and discovering the bright side of becoming. Few people know that better than soccer legend Ashlyn Harris. It's the journey. It's the people. It's the failures. It's the heartache. It's the little moment. These are our moments to laugh, learn, and exhale. So join me every Monday.

And let's find the bright side together. Listen to the bright side on the IHeartRadio app, Apple Podcasts, or wherever you get your podcasts. The internet is something we make, not just something that happens to us. I'm Bridget Todd, host of the Tech and Culture Podcast, There Are No Girls on the Internet. There Are No Grows on the Internet is not just about tech. It's about culture and policy and art and expression and how we as humans exist and fit with one another. In our new season, I'm talking to people like Emile Dash, an OG entrepreneur and writer who refuses to be cynical about the Internet. I love tech.

You know, I've been a nerd my whole life, but it does have to be for something. Like, it's not just for its own sake. It's a fascinating exploration about the power of the internet for both good and bad. They use WhatsApp to get the price of rice at the market that is often 12 hours away. They're not going to be like, we don't like the terms of service, therefore we're not trading rice this season. It's an inspiring story that focuses on people as the core building blocks of the internet. Platforms exist because of the regular people on them, and I think that's a real important story to keep repeating. I created there are no girls on the internet because the future belongs to all of us.

New episodes every Tuesday and Friday. Listen to There Are No Girls on the Internet on the IHeartRadio app, Apple Podcasts, or wherever you get your podcast. If you hang around nine broke people, you'll be the 10th. The opposite is also true. So successful people want to hang around successful people. Folks who are in a transactional situation where there's, so there's a giver in a relationship, whether it's a romantic relationship or a business relationship, here's a real answer to your question. A giver and a giver is exotic. a giver and a taker is neurotic

a taker and a taker is psychotic a lot of relationships in our community are the last two neurotic and psychotic I like high frequency relationships I'm trying to go up market

that's a giver and a giver that's who I'm married to that's who I hang around that's who I flow with that's who I do business with If I get any hint of toxicity, I'm gone. I don't argue with you. To argue with a fool, bruiser, or two.

I don't get in debate with you. That's wasting my time. You can waste my money. You can't waste my time. I'm ruthless about my time. If I get any hint that you're full of shit, I'm gone. You can do that all by yourself. So these conversations are authentic.

It's a giver and a giver. We never talk about money, oddly enough, but oddly enough, do hanging out, these are high achieving people, you end up doing stuff, which ends up producing the transfer of money as a gateway to build wealth. Does that make sense? It makes sense. I'm following you. So in some ways, I'm just saying we're wasting a lot of time in our community. We're arranging the deck chairs on the Titanic. The ship is thinking we're picking drapes.

We're arguing about stuff. First of all, we're arguing. I did this podcast, this post last week. And you go, it went viral, it was like almost 2 million views. And it's like 50,000 shares. But if you look at, I love the comments. I'm always for the comments. You go in the comments.

Normally I try to teach in the comments. I found it hard to teach in these comments. because folks who are broke and tow up want to tell me about what I'm talking about. Folks want to debate with me about something that's irrelevant in the... So I was saying that poor neighborhoods are noisy as hell. Wealthy neighborhoods tend to be quiet. As somebody grew up in the hood, I have a little credibility. I said, well, you know, a lot of black and brown neighborhoods and poor neighborhoods are just too damn

noisy. Then I said wealthy neighborhoods, didn't mention the race, are quiet. Then I spent the bottom half, the back end of that post, praising black people, clearly as a, as, you know, somebody I'm pitching for. But all the comments want to obsess emotionally. Did he just say the black communities are noisy? What if you want to say that, it's mathematically correct. Half of all black communities, sorry, half of all black people. have a credit score below 620. I'm going to say that. I'm going to slow that down.

Yeah, pick your camera and tell him. I like math, but it doesn't have an opinion. I'm not emotional about this. It is what it is. Let's not being emotional about stuff. The facts are the facts. Half of black America, not poor people, all of us, have a credit score of 620,

which means you're probably 7.50. I'm 770 You're probably 710 or you're working at it Or you at least 690 Which means our cousin Pookie them And Jojo They're at 500 290

290 You said it So we're So the average Our high is dragging up They're low So what I said is actually worse than what I just said The average credit score

In Black America 40 million people Is 620 What does that mean? That means we're talking about police brutality, racism, the President of the United States, wasting our time on stuff we can't control or affect. But whether you can pay your bills or not

is something you actually have some control over, but that means that half of us wake up in the morning locked out of the free enterprise system. You can't get a decent car loan at 620. You can go to a car dealership and get a Mercedes, but it'll be not a Mercedes to be Mercedes payments. 40% interest. 18, 27, 47, 14.

30% interest, they wait for you to, that's a bomb. They can't wait for you to miss your 17th payment so they can take the car back and resell it. Can't wait for you to, but a car to break down because they're used car, because a car dealership makes money three ways. Car sales, the least profitable, finance department. Maintenance. Let's see, you're a proper capitalist.

Maintenance. They can't wait for that to break down. We sit in there flossing and all, I'm driving the Mercedes. No, you're driving a Mercedes payments. You're driving a bomb. 620, you can't get a decent car loan. 620, you can't get a home loan. Not a prime one.

You need 700 for that. Don't even talk about a small business loan. That's risky credit. So we want to go to the bank and say, oh, the bank's racist. The bank may be racist. But let me tell you something. I'm not lending you money at 580 credit score. Me, and I love my people, because you're a credit risk.

And I was the largest minority owner of single-family rental homes in America. I owned 700 homes. He was the promised homes guy. I sold the company for $121 million three years ago. But I owned 700 homes from Atlanta all the way up to North Florida. I know my people. I have four million clients at Operation Hope. I know my people on how we behave.

Given the right tools, we kill it. We've been doing so much. We're so little for so long. We can almost do anything with nothing. Where the rules are published and the playing field's level, we kill it. The arts. professional sports, faith, church, politics. But no one told us the rules for capitalism or free enterprise.

But yet we want to go into my comments and give me a lecture about something that's just, it's not even debatable. I'm sorry it breaks your heart or hurts your feeling. Our communities are damn noisy. And the reason I'm saying that is you can't create. You cannot create a patent is a monetized idea. You can't be creative in noise. You cannot do anything when you're distracted all the time with damn noise.

You have to quiet your mind. So I wasn't even talking about a physical space. I was talking about a mental space. We sitting there arguing about some stuff that don't even matter and missing the whole point. We're going to have to fight this battle from. the shoulders up. This is useless. This new battle. I haven't even got into artificial intelligence. I haven't gotten

into the future which is going to change by 2030. I'm just trying to get us out of our trauma. So, as simple as it sounds, if all we did is raise our credit score 100 point in the black community, you solve all of

our problems. Sounds simple, don't it? I'm going to say it again. I'm willing to put my net worth on this. You go to a 580 credit score neighborhood. Now, I've never met any of you here. You tell me if I'm wrong. You go out and you know what a 500 credit score

neighborhood looks like. Go to our neighborhood. Here's what you see. Check casher. Next to a payday loan lender. Next to a rent-owned store. Next to a title lender, car title. Next to a pawn shop.

About Elijah? Dollar General. Don't pick on them They get their donor of mine Oh, okay That's how you know shit getting bad, though You see that dollar tree across the street Fast food restaurants

Liquor Lundromat Coinop Church Which is your neighborhood psychologist Trying to keep you from going postal on Monday We don't go to church anymore Which is making it worse

Because now we're not even spiritual We're not human beings having a spiritual experience We're spiritual beings having a human experience energy matters. But they got us all obsessed about money and that dollar and all this stuff that don't matter. And meanwhile, our soil is, our soul is falling away. Anyway, the church, so many people, black people, you know, have you going to see a psychologist? I don't want to go see a psychologist. Somebody might think I'm crazy. If you're black and don't think you're crazy in America, you're crazy. So we used to go to church and get that out of our system. We stopped doing that.

So now you have this community that's in a crisis. It's surviving mindset. It's noisy in your brain. So now we're rearranged. Now we're just running in place. And everybody's trying to get that bag. Get that dollar. Get that cash.

Get that money. Which, as I told you from beginning, there's nothing but a transfer of value. Boom. He's a quick learner. We're not even building wealth. And the dollar circulating one. time in our community, and it's gone.

One? Yeah, thank you. So, all I did, so then I said, okay, what's 15 minutes away from a 500 credit score neighborhood? A 700 credit score. Literally, I mapped every zip code in America by credit score. And I found, in an urban city, literally 15 minutes away from that hood are high rises. Grand Paul? The 700 credit score neighborhoods, two parent households. It doesn't matter what is black and white, by the way. This works for, is race neutral. Two parent households. You lived at 81 years of age. By the way, you lived at 61 years of age in our neighborhoods. If your credit score is below 600, you lived a 61 years of age. Social Security, you don't get

Social Security to you, 65. Don't even live long enough to get now. Hello. So now it's a 20-year delta, a 20-year life expectancy with a 200-point increase in credit score, which means you live five years for every 50 point increase of your credit score. 15 minutes away from the hood. And the hood is the wealthiest asset in America. An inner city in France is called Paris. An inner city in London is in the UK is called London.

An inner city in Turkey is called Istanbul. I can do this all day and all night. I love this. There's no rocket science in this. It's just that we've been looking for love in all the wrong places. What did Malcolm X say? We've been bamboozled. We've been tricked. We've been fooled. We've been hoodwinked.

We've been run amok. Let us straight. Let us straight. So I believe we are brilliant. That's what I believe with the wrong business plan. So what do you say to, because I, you know, I'm just, what do you say to? By the way, anything I say that doesn't make any sense or you, please, please, challenge. Challenge me in real time.

Moldiff. What do you say to the average person that's like, I hear you, y'all. Break it, square one. What should I do to start building wealth, generation? Because all I heard was, first of all, the trauma, we just keep reliving trauma. It's a lot of stuff that we don't know

when it comes to the credit and how it can work in our favor. We've been taught to stay away from critics. We've been talked to, fuck your name up. I'm a curse for you. We've been taught to go in there with the fake check and all that. Like, bro, you know what you need that. Your kid, your 6-year-old kid's Social Security number,

you mess up their credit to get the lease that you go on default. And we've been talked to, no, we're not been talked to, you don't know how hard it is to get yourself out of it. That's right. You dig what I'm saying? So what do you tell to the young average person and be like, hold up, wait, young brother, before you go mess your name up because your credit school, first of all,

you already got bad credit because you ain't got nothing on your credit. So you ain't running your credit. Right. What do you tell him to build it? just to go in there with that game playing and be like, you know what,

I could go in here with a $700,750 credit score and come out with that $300,000 loan that they just gave me and I ain't need, I don't even know how I just did that. Mm-hmm.

So you almost said it for me. I can't control how somebody feels about you. Right? You can't control it either. I can't control who's in the White House. But we spent the current politics

is the basically you're experiencing the biggest reality TV show in the history of the world and to quote my brother Charlemagne we're all extras and how many people get up every day and spend a third of their day obsessing wasting your time obsessing about somebody else's

game arguing screaming at the TV set or screaming at your phone talking mess about poor people talk about other people wealthy people talk about their ideas I need to say that again say it again because somebody probably walked to the bathroom

poor people surviving mindset talk about other people wealthy people thriving mindset building mindset talk about their ideas what's a patent what is a patent is a monetized

idea I mentioned that earlier you cannot create in noise even you got this beautiful studio but when you guys are doing your magic like right now you can hear a pin drop it's no different anything else quiet the noise

the first thing you got to quiet is inside of yourself so here's one for everybody slavery did a job on us there's a difference between black Americans black caribians and black Africans even though we all come from Africa all of us In fact, all of mankind comes from Africa

That's a different conversation The difference is slavery lasted longer Under a brutal commercial enterprise here It destroyed our self-esteem What's my point? If I don't like me, I'm not going to like you That's the violence

If I don't feel good about me, I'm not going to feel good about you Real talk 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 here's a big one. If I don't have a purpose in my life, I'm going to make your life a living hell. Right.

Because whatever goes around comes around. So now you take that self-esteem. So now I've got high confidence because I was born and raised in the biggest economy in the world, the United States of America. So I've got high confidence because I'm competent. What did I say? When the rules are published

and the playing fields level, we kill it. So we've gone from slavery, Jim Crow, share cropping, all that dis-indignity, and somehow we've risen against all odds.

And look what you've built here, from people literally pushing against you. Still, you rise. So if we say black people have mastered creativity, culture, and cool, majoring folks have mastered capitalism,

commerce, an economic community 6,000 years, so we say something's cool, it's cool in Tibet. If we say it's cool, it's cool in North Korea. If we say it's a dud, it's dud in Russia. But we've rocked the mic, we don't own it. We play on the stage, but we don't have,

we don't own live nation or whatever the situation is. So we've been rearranging the deck chairs and the type of going back to the original. So our mind is messed up because our self-esteem is messed up. Do you know that 76% of all luxury goods are bought by poor people?

Say that again. By the way, that's a Rolex. By the way, this is my get out of, everything goes south as $25,000, right? So this is, yeah, it's a nice watch, but it's an investment, right? But, so I like nice things, right? I like Louis Vuitton or, you know,

two may or whatever the thing is, right? But that's my third budget. That's my, that's my flossing budget. Is it a living budget, an investment budget, and I do as I like budget, right? So I'm not telling people not to go and get nice things. I'm saying 76% of all luxury goods in the world are bought by poor and struggling people. That's target marketing. So when you see the line around the corner at Louis Vuitton,

Look who's in the line. It's us. I'm not telling you not to go to Louis Vuitton, sir. I'm not, I'm just telling you, it's literally right in front of you. We're looking for love and all the wrong places. We have got to realign our priorities, and the problem is self-esteem. We have high confidence because we're competent, but we have low self-esteem because we never healed from all this trauma. And a lot of us distract ourselves with the I&Gs, shopping, drugging, drinking, traveling, texting, sexting, whatever it is, not dealing.

Because we're not doing the one ING that matters, healing. So let's go back to the relationships. So I'm jacked up. If my self-esteem's messed up, and I'm medicating that with shit, stuff, shopping, distraction, but my self-esteem's toe up, a successful person with, an insecure successful person, an insecure person with money, just becomes a wealthy, insecure person. You follow me? Mm-hmm.

Right? So now, I'm forced to have a toxic relationship. There's no choice. so now I'm transactional and I'm simple and I'm going to get exactly what I deserve so if I go

if I'm low frequency I'm going to track low frequency that's why all the relationships are tow up that's why we spend all our times arguing in drama a giver and a giver is exotic a giver and a taker is neurotic a taker and a taker is psychotic These two here lead to brokenness. 70% of all those who win the lottery, broke in five years.

70% of all professional athletes broke and bankrupt in five years. 70% of those in professional sports divorce five years after retirement. Don't trust me, look it up for yourself. These numbers are so overwhelming. You can't subscribe it or ascribe it to luck, fate, a coincidence. these are overwhelming numbers. So what I say to people is, people say, well, why should I try God?

Because God cannot possibly mismanage or screw up your life worse than you have. Well, why should I be positive? I can't guarantee you that being positive is going to make you a success, but I absolutely guarantee you by being negative is going to make you fail. Maybe you just shut the fudge up for a moment

and listen, because your business plan ain't worked very well, has it? I love my people enough to tell you the truth. our shit's not working. This business plan of our for the longest time it was love or hate. People didn't like it

and let you know. Jim Crow slavery, civil rights movement. I mean, they killed Dr. King for trying to take down a whites on this side. People don't know, this is what I've been saying for 30 years. We're going to get to a point.

Folks don't even care enough about you to hate you. It's not love or hate anymore. It's radical indifference. Think about this now. Gated communities, private roads, private transportation, private security, private communities, private equity, private neighborhoods, private lives. They're like, do what you like. Tell your stuff up if you want to. I ain't got nothing to do with it. I've made mine. Now, artificial intelligence is going to do nothing but wrap that up.

In five years, your whole world's going to change. By 2030, you won't recognize the world as we see it. But God still sits on the throne. Don't kill a talk. Darkness is defined by light, not the other way around. Badness has failed goodness. God has a sense of humor. 70% of this economy is consumer spending.

70. I love that number, 70. Black and brown folks are 40% of America today. In 10 years, we'll be a majority of minorities. There's not enough college-educated, successful white men to drive this economy for the next 20 years. We're always speaking Chinese in 30 years and we don't change. We need, for the first time in history,

they need us. to have this conversation to become capitalist has never happened before. Demographically, we have got to win. It's never happened before. In 1952, America was 90% white. 1952. Not the South, the whole country.

So what Andrew Young, Dr. King, Credit Scott Cream, what they did was nothing less than genius. It was moral genius for 8% of this country to flip the country is the whole country. Today I'm telling you, we have a majority, we're on the precipice of the majority of minorities in America.

Women in 1972 couldn't get a bank account, not black women, white women, white, blonde hair, blue-eyed women in 1972 could not get a bank account. Couldn't get a loanless or husband co-signed. because of black people and affirmative action Kennedy

Johnson King I call King an honorary president he's so bad he was such a bad brother these three my hero Andrew Young working with him these three so pioneered this the country reacted to that when they killed Kennedy and they killed King

the reaction that was Nixon the reaction to this was this by the way what's happening now Obama triggered. Trump. You had in 2000, I called this a third reconstruction, by the way. We're in the third reconstruction right now. Two years into any reconstruction, pushback.

Civil War, Lincoln gets killed. Within two years, they're trying to undo what was done. Two years after Dr. King's greatest successes, they killed him. and Nixon shows up they do affirmative action they give it to white women white women got affirmative action

because of us now I'm glad they I'm glad somebody got it but my point is women could not participate in the economy in 1972 hold on they got affirmative action

they got participation in 1972 today women are a third of the U.S. economy brother seven trillion dollars a year all women black women women Latino Asians

everybody. Without that, we'd be an also-ran country today. We'd be a third-rate nation without if women had not stepped into the economy, a $33 economy, $7, $8.3 in that or women, we'd be toast. This is exactly where we are

with minorities and diversity for the next five years. My rich residency, my poor friends do better, if only to stay rich. Am I going too fast? No, hell not. That was a gym.

You're smoking this, though. My rich friends need my poor friends. To do better in order to stay rich. In order to stay rich. Even the racist should want a black person to succeed. Because when the economy increases, all boats go up. Right. So I don't care whether somebody likes me or not.

I rather you respect me and learn to like me, then like me and never respect me. It's okay if you don't like me, I like me. Not one else of my self-esteem is defined by your acceptance of me. the Quincy Jones quote. That's self-esteem. I'm not, it's not, it's not raising your voice. When you got the power, you don't need to use it.

Man, his bag, boy. Hey, when you got the power, you don't need to use it. Yeah, it's bad. Get in the car. We go out to the script club, nigga. Right back to making bad five, that's your moves. If you see me at the strip club, no I own it. For the sofa, show.

And all I'm showing up for is to get the cast at the end of the night. It's there. It may look different, but native culture is very alive. My name is Nicole Garcia, and on Burn Sage, Burn Bridges, we aim to explore that culture. It was a huge honor to become a television writer because it does feel oddly, like, very traditional. It feels like Bob Dylan going electric, that this is something we've been doing for, like, kind of two years. You carry with you a sense of purpose. and confidence.

That's Sierra Teller Ornelis, who with Rutherford Falls became the first native showrunner in television history. On the podcast, Burn Sage, Burn Bridges, we explore her story, along with other Native stories,

such as the creation of the first Native Comic-Con or the importance of reservation basketball. Every day, native people are striving to keep traditions alive while navigating the modern world, influencing and bringing

our culture into the mainstream. Listen to Burrne, and Sageburn Bridges on the IHeart Radio app, Apple Podcasts, or wherever you get your podcasts. When your car is making a strange noise, no matter what it is, you can't just pretend it's not happening. That's an interesting sound. It's like your mental health. If you're struggling and feeling overwhelmed, it's important to do something about it. It can be as simple as talking to someone, or just taking a deep, calming breath to ground yourself.

Because once you start to address the problem, you can go so much further. The Huntsman Mental Health Institute and the Ad Council have resources available for you at loveyourmind today.org. The internet is something we make, not just something that happens to us. I'm Bridget Todd, host of the Tech and Culture Podcast, There Are No Girls on the Internet. There Are No Gros on the Internet is not just about tech. It's about culture and policy and art and expression and how we as humans exist and fit with one another. In our new season, I'm talking to people like Emile Dash, an OG entrepreneur. and writer who refuses to be cynical about the internet.

I love tech. You know, I've been a nerd my whole life, but it does have to be for something. Like, it's not just for its own sake. It's a fascinating exploration about the power of the internet for both good and bad. They use WhatsApp to get the price of rice at the market that is often 12 hours away.

They're not going to be like, we don't like the terms of service, therefore we're not trading rice this season. It's an inspiring story that focuses on people as the core building blocks of the internet. Platforms exist because of the regular. other people on them. And I think that's a real important story to keep repeating.

I created there are no girls on the internet because the future belongs to all of us. New episodes every Tuesday and Friday. Listen to there are no girls on the internet on the IHartRadio app, Apple Podcasts, or wherever you get your podcast. I just think the process and the journey is so delicious. That's where all the good stuff is. You just

can't live and die by the end result. It's scary putting yourself out there, especially when it's something you really care about and something that you hope is your passion in life and you want people to like it. Let's get delicious. and put ourselves out there. I'm Simone Boyce, host of The Bright Side, and those were my recent guests,

comedian Phoebe Robinson and writer Aaron Foster. On this show, I'm talking to the brightest minds in entertainment, health, wellness, and pop culture. And every week, we're going places in our communities, our careers, and ourselves. It's not about being perfect. It's about going on a journey and discovering the bright side of becoming.

Few people know that better than soccer legend, Ashlyn Harris. It's the journey, it's the people. It's the failures. It's the heartache. It's the little moment. These are our moments to laugh, learn, and exhale. So join me every Monday.

And let's find the Bright Side together. Listen to the Bright Side on the IHeart Radio app. Apple Podcasts or wherever you get your podcasts. A friend of my, I can't name him because you know a friend of mine billionaire. When he was a hundred millionaire, it's called a Centi Millionaire. When he was a centip millionaire, he owns strip clubs. I ain't even know the head. They got more words for niggas.

I thought he was a million. He got, I'm a centipede. Centimillionaire. 100 million. Right. Centimillion. Billion. You'll see a trillionaire in our lifetime, by the way.

But anyway. I thought we had one. No. You have a trillion-dollar companies. Okay. Apple, but Amazon. But you'll see a centimillionaire with AI in our lifetime. Anyway, backing up for a minute.

So this guy, who I won't name his name, who's a billionaire now, was at this time, at this conversation, he was a centip millionaire. He's worth $100 million. At that point, he owns strip clubs. Please hear me. He never went there. He owned them. Wouldn't let his kids go there.

Nobody in his family could go to the strip club. Think about that. He loved us going there. But he didn't want that toxicity. He didn't want that energy. He didn't want to be around. around his kids. Family.

I just need us to understand. Capitalism is a gladiator sport is not personal. Business is not personal. We take everything personal. We get emotional about every damn thing. And we get racked up in arguments and debates about somebody else's business and not taking care of our own. Wasting, the only asset you've got is your time.

Speaking on time, right? Because I want to, why does she keep Even the cover trying to listen to what he's got to say What he said? What he's saying? Okay Trying to be a better cover Yeah, you're funny So look, right

I remember you said You took what $40 a start making $300 a week A $40 investment from my mother Winnie to Smith Right Who by the way died Two years ago

At 89 years of age We're working on an hourly job for 32 years, she died a millionaire with a credit score of 854, an hourly job. Going back to your point about what do you tell people who are watching this, who think basically, I can't relate to him. I own 700 homes. I'm going to own 7,000 at some point. I own 700, but my mother owns 7.

She owns 7. And my grandmother owned a shotgun check in East St. Louis. And there was a time I owned one. It was a town home, 7122 Latihara. It's interesting when you own a home, you remember the address. 7122 Latihara at Lottihara in the 405 freeway in Los Angeles, the north side of the street. That townhouse of 1,500 square feet, I bought for $220,000, went down in the crisis of 2008, to $160,000.

My broke-ass friends told me to sell it. I considered the source. I think I'm good. I have to live someplace. Stayed there. Moved to Atlanta in 2009. Rented it out to a police officer, LAPD officer who didn't pay rent on time, by the way.

Rented it out to him, a brother, would have to call him and badger him every month to pay rent. I forgot about the condo. Now, what did I tell you? I bought it for 220. Mm-hmm. It went down to 160. Okay?

My friends told me. Sell it. Sell it. But you said I need some old state. Hang around nine broke people. You'll be the 10th. 10th. So I love you, but I'm not listening to you.

Mm-hmm. Because consider the source. You broke. You don't know a thing about investments. So I, Eagles don't fly in packs. You've never seen a flock of Eagles. Buzzers love packs. Buzzers always step up on.

head to elevate themselves. Always play a hayden, never play congratulating. Always got something negative to say about somebody. Can't take care of their own business, but they want to have an opinion about yours. And turkeys got wings and can't even fly. All they do is profile. Trying to be something they are not. So I realized I had to be my own counselor. So I moved to Atlanta, kept the condo, the townhouse. Now, I needed to buy a property. I found a property in Atlanta, we were $700,000. I didn't have $700,000 at that time. I called back to L.A. and I said, look, what can I sell this townhouse for? This was now 2015. 2016. He said, well, I can probably get $750 for you. I said, excuse me? Can you play that back?

He said, I can probably sell it for $750,000? The same townhouse that I bought for 220 and went down to 160, you can now sell that for $750, when? I can get just, I can probably get it sold in a month. Cash? Oh, cash. He sold it. I understood now financial literacy, tax law, 1031 tax free exchange. You get to keep that in an account for a year, no taxation as long as you're reinvest.

I reinvested that in the property in Atlanta, which is now worth several million dollars. I'm no genius. I was just about to ask you about the capital gains. And by the way, you pay zero. I got zero capital gains basis. I pay zero taxes. You can just reinvest. By the way, now you get a home equity line of credit.

If you want to take some money out, again, good debt. This is the brilliance of finance. You only get taxed when you take it out. But if you're making, this is why wealthy people don't like incomes. If you're making money, you're getting, you're cashing a check. That's taxable wages. That's 39% or whatever that, it's close to 40, 37, 39%. That's the highest tax rate you can imagine.

Capital gains, I have an investment. I sold it. Caprient bank, that's 20%. So every successful person's goal is to stop making money. So when Warren Buffett said his secretary paid more taxes than he did, of course he's right. He doesn't pay payroll taxes. He doesn't get a check. Did you just get that?

Yes. But the politicians then start playing this game. The rich people don't pay any money. and how could they not pay tax? No, no, no, no. 70% of all income tax to the Treasury Department are wealthy people like me through other forms of taxes,

which includes capital gains tax. Now, I'm trying to only pay 20% occasionally when I sell something. If I cannot pay a tax legitimately, why would you want? So you get, you've already said it, You have this asset, it's increased in value, you get a home equity line of credit or some of the line of credit, you pull the money out through a home equity line, which you do not pay taxes on debt. It's a loan.

You write debt off and get a tax break. I hope you got that. So now you never pay the taxes on the 7th and you don't pay the taxes on the equity loan that you pulled out. Well, I'm not telling you my business. Right. But you could be correct. Right, right, right. Around and about. I heard what you see it.

So if you're, so a wealthy, wealthy person is trying to get out of this cash flow, making a living, cashing a check, paying payroll taxes. They're trying to get out of that. One of my billionaire friends cursed me out because I brought him a business deal. He said, I'm not trying to make any more money. Get that out of my face. You don't need tax on debt. You don't get taxed on debt, no. You write it off, actually, if it's for business purposes.

I mean, it's all kind of game. What did Jay Z say on his 444 album? I'm trying to get you a million dollars with a game, but $9.99. This is $9.99. This is what they don't teach you. So what you tell the person that paid his house off already? Reffinance. You know, that's...

I'm glad you said it. I didn't. If you paid the house out already... It depends where you're all your life. If you're at 70 years old, and you want to chill. Right. And you've got the quality life that you need. Right. Don't do a thing.

You chill. Make sure you pay those property taxes. Right. A friend of mine at the airport told me that her girlfriend bought seven homes on a property tax default in Detroit for nothing. Pay got the homes because they had default on property taxes. Paid the property taxes, but got the homes. Gave one to her mother and said,

Mommy, this home's yours, but didn't teach her financial literacy. Mm-hmm, mm-hmm, mm-hmm, mm-hmm. I was going to ask you about the life insurance game, too. She lost the house. She lost the house because she didn't pay the property tax. She didn't pay the property taxes. Now, now the house is gone, and their relationship is destroyed. Yeah. Because now she's trying to figure out how do I forgive my mother,

but this unforgivable thing she just did, how could you not pay the property taxes? So for the lack of financial literacy is like what the right to vote was 60 years. years ago. A set of credit score is as good as a four-year education. And I think you should get a four-year education if you can. Or at least an AI education certificate. But I'm just saying these things we're talking about here. And there's so many directions based on, I mean, with the different doors you're opening, we could go. This could be a whole series. I'm saying.

I told your assistant, you got to come back 10 times. It's motherfuck of writing this down. I am. I'm writing it down. I'm jot down. I'm doing this. I've got no notes. I'm just, I'm just answering, I'm just going where you're taking me. Somebody bring me that white board, man. I want to ask about the insurance. Or a black board. Well, we got it, yeah. A black board.

Do you know the only color, you know the color that contains every color is black? The only color that contains every color is black. Do you know the racial word white was made up? We don't have time for this country. Oh, shit. Don't worry about it. You play golf? No, it takes too much time.

I want to know about the insurance game. Everybody should have an insurance. Come to the racetrack. Come to the racetrack. I'm going to go to the racetrack. I'm going to put you in the passenger seat. Say no, bowl. That's a bad ass car, man.

I'm going to scare a shit out of people. I don't know if you can afford to lose eight pounds. Yeah, let rap. I'd love to have you come out and spend a day with me at the race track. And that's my compliment, by the way, because that's my happy place. If I bring you out there, if I'm inviting you out there, it means that you're the absolute opposite of toxic. Yeah, I appreciate it.

Giver, giver. There you go. We're trying to stay on the giver-giver level. Yeah, yeah. All right, so life insurance. Right. Here's how everybody watching this can be a millionaire in five years. You're working an hourly job somewhere.

You got too much money to end of your money. Hold on, hold on before you start. Shut the fuck up. And listen. He said five years John Hobrein Everybody listening to this You can be a millionaire in five years

I don't care where you're working I don't care what you're doing Here's the easiest way to do it You start at age 25 You just got married or whatever You open up a stock account I'm not talking no crazy crypto I'm not talking no risky stuff

I'm talking about safe you want boring stuff you want you want a you want blue chip stocks you want stuff you go by the way it makes easy the stuff you go shopping for yourself

you go to Walmart you go to McDonald's you like Nike's you like Exxon you like whatever it is you whatever you vibe in if you like it probably other people like it and you use Amazon

whatever buy that stock right you can buy fractional shares by the way, buy those stocks, $200 a month, do not sell. $200 a month, do nothing else. In 40 years, you're worth $1.1 million. Do nothing else. $200 a month. The money we waste on Starbucks, on cigarettes, on one night out of the restaurant,

$200 a month, do nothing else, you'll be worth $1.1 million. That's not my five-year plan. But that's your backup plan. So I want you to open a stock account. I want you to get a life insurance policy. If you're 25 years old, you can get $100,000 life insurance policy for $3. Because you're in great health. You get a million dollar policy for $20 a month.

A million dollar policy. Now, I'm not sure how long you're going to live, but I damn sure know you're going to die. So what's the mystery? If you have a child, now I want you to have a will. Download it off the Internet and say, I want this money from my life insurance policy to go to this person. You know, Prince is upset, Aretha Franklin's upset, because they thought, I'm not going to die right now.

They die without a will. And folks who didn't, I'm sure that folks who got the money is not who they intended to get the money. I need you to get a will. I need you get a life insurance policy. Because within that, you're going to become, you're going to create generational wealth. That one act, I've got to the five minutes.

five years and a million dollars yet. That's going to create generational wealth for whoever you direct. So between $100,000 and a million with a, and you can do a term life insurance policy if you can't do a whole life. So now you've got a will. You have a life insurance policy.

You have a stock account. You make money during the day, I said. You build wealth in your sleep. So now you get to live somewhere. I don't want you to rent something uptown with folks that don't like you, with money you don't have to impress somebody you don't know about stuff that don't matter. Knock it

off. Stop it. By adjason. If you're in Atlanta watching this, I'm talking about from Midtown, where the Rich Carlton is, my office is the 191 building south of the airport. It's a gold mine. Anything

is close to transportation, jobs, economic activity, vitality, and proximity is a gold mine. Buy it, by the worst house on the best block. Hood adjacent. By the worst house.

On the best block. No many mansions, no flossing, no living above your means, huh? You get no spreads. No spreads. By hood adjacent, buy it, rehab it, live in it. Live in it. Three years, pull equity out through a line of credit. And they call it, what?

Home equity line of credit, he locked. Pull money out. Buy the next house, three blocks away. Buy it, rehab it. Not with Pookie them, not with your cousin. They're going to mess up all your money. Pull permits. By the way, the difference between a hustler and a business person is paperwork.

Right. Please remember that. Write that one down. So take the equity out of the new house. Equity out of the new house, moderately, conservatively. Nothing is going to cause you to default if things go south. Because you still got the other loan to pay off. There you go.

Take the equity out. Get a limited liability, an LLC, limited liability corporation, LLC, you can do it a one page or 20 bucks. And figure out who your partners are in that. If you need partners, document it because folks get amnesia when you should go south of the border. And the money shows. Either money shows up or the money leaves, people get amnesia. All right? So you need to rationalize and tell rational lies.

Like people start, history becomes his story. Like you need it written down and non-emotional. Then I need you get qualified vendors. Again, no pokey in them, no cousins. People who are qualified vendors with references. License and bonded. License and bonded. Fix your mind.

All right. So, and I want you to hire from our community, plumbers, electricians, lighting, roofing, right? And I want them to rehab that on budget. Right. Or below budget. Right. then you rent that out.

And you do it 10, 15 times. No, no, no. You do nothing about what I, nothing but what I just said in Atlanta, twice, three times max, and in five years you'll be worth a million dollars. You do that, I mean, because a home is going to be $250. You're going to buy it for $100.

You're going to put $50 into it. It's going to be worth $250. 50. It's going to go up to, I think, 400, right? You're going to do that three times. The equity, net of the debt, plus the other things you got going on, is a million dollar not worth, plus your license, life insurance proceeds. You're a millionaire. And you're working an hourly job. And you just keep rinsing and repeating. Rinsing and repeating. You make, it's compounding. You make money during the day. You build wealth in your fleet. Stocks, bonds, homeownership, business, real estate, real estate, real estate, real estate, real estate, real estate. But wait, you just told them to do it two, three times.

I've done it 700 times. But that's what we're trying to get to. No, no, no, no, no, no, no, no, by the way. It's too much. It's a tall order. No, no. You said to me, what does the average person do? Understood. Okay?

I'm telling you what anybody can do. I'm telling you what my mother did. My mother did it seven times. But you can just do, first of all, just buy a house. Like, 44% of us own a home. We sitting here having a debate about whether I should own a home. Like the stuff's going up. Why are you debating?

There's three things that have never gone south, gone bad in American history. Real estate values, stock market values, GDP of this country. Now, somebody watching will say, ah, I got them. Real estate went down. Real estate exploded. It was a recession. Yes. Real estate goes up.

stock goes up, there's a recession, that means it recedes. Got to have a pullback. And then it corrects above the line. Yes, it does. Every time. That's what the stocks do. What do we do? We sell on the loss.

The stuff goes down. We financially illiterate. I'm out of here. That's when you're supposed to buy. What are my broke friends told me in LA? Sell. That's why they broke. Consider the source of the knowledge you're getting.

Here's what I learned. We spend a lot of time trying to impress somebody we don't want to be like. Let that digest. We spend a lot of time trying to impress the three square block celebrity. It's a big being people in the world. Who called him a three square block. You ain't seen a roasting, dickie. But he's on the cable going three streets.

Nobody knows them six weeks, six street streets away. Nobody cares. Nobody knows him in the next city. But we obsessing about this little knucklehead. We're in fake train chains and his pears down to his ass and got gold teeth in his mouth and tattoos on the side of his head. Look, I was giving a speech once. And I was like, I love going to the roughest school. You take me to the roughest school, the roughest neighborhood. And I said, get everybody in the auditorium.

So I went an auditorium, I've never said this stuff before, but I'm telling you. I went the auditorium, everybody loud. I told you, poor neighbors, I went right, scream and hollering. I walked into the center. The principal was with me. I said, please stay here. Don't go with me.

I had a suit off. I walked into the center of the auditorium, and I stood there for three minutes. Didn't say a word. Now, you guys are smart people. What happened? They started looking at your head, Craig. What happened?

Did it get louder or did it get quiet? I got quiet. you can hear a pin drop. People like, what's so about this? He's serious. If I'm serious, they're serious. If I'm playing around, they're playing around.

If I'm holding, if I have low standards, they got low standards. If I have high standards, so I walked out and I stood in the middle of the room and looked at my watch. The second time I looked at my watch, dead quiet. I said, good job.

You've now just, just debunk the myth that you're stupid, that you're lazy, that you're shiftless, that you're unintelligent. You don't even know who I am. You don't even know why I'm here. So now I'm going to give you a gift. Please pay attention. And I found the brother in that auditorium who was the ringleader for the whole situation. The three square block celebrity was sitting on the front row with his white beater on, his pants down his ass like this, with his sunglasses on in an auditorium. I went over to him.

Yo, man, how you doing? What's up, man? What's your name? Tommy, man. What's up? Let me ask you a question. In this example, you're the father. You've had, you've grown up, you have a daughter. You love your daughter in this example? Oh yeah, man. If I have a daughter, I love my daughter. You do anything of your daughter, man? I do anything to my daughter.

Will you die of your eye? Damn right, bro. I die from my daughter. Okay, cool. Calm down. So now you're in your house You've succeeded You got your house Your daughter's in your house Somebody comes to the front door Knocks in the front door

You open the front door He's got gold teeth He's got a tattoo on his neck He's got sunglasses on At night You got a wife beater on He's got his pants down to his ass He said, yo yo yo man

What's up? You know what's up? What's up? You know what I'm saying? I'm here for your daughter I want to marry your daughter I said What do you say to him? He said I mean, you get the fudge off my porch. You ain't, you ain't touching my daughter. You're not getting anywhere close to my daughter.

So, and he said that, auditorium did like this. I did like this. It was long. And he was like, yo, yeah. So I turned him, I said, yo man, let me ask you a question. Great answer. Why is it not good enough for your daughter, but it's good enough for you? Turn this whole life around.

We have got to wake up. We are geniuses. We've been doing so much with so little for so long. We can almost do anything with nothing. But the game we've mastered needs a software upgrade. It may look different, but Native culture is very alive. My name is Nicole Garcia, and on Burn Sage, Burn Bridges, we aim to explore that culture. It was a huge honor to become a television writer, because it does feel oddly, like, very traditional.

It feels like Bob Dylan going electric, that this is something we've been doing for the kind of years. You carry with you a sense of purpose and confidence. That's Sierra Taylor Ornelis, who with Rutherford Falls, became. became the first native showrunner in television history. On the podcast, Burn Sage Burn Bridges, we explore her story, along with other native stories, such as the creation of the first Native Comic-Con or the importance of reservation basketball.

Every day, native people are striving to keep traditions alive while navigating the modern world, influencing and bringing our culture into the mainstream. Listen to Burn Sage Burn Bridges on the iHeart Radio app, Apple Podcasts, or wherever you get your podcast. Don't let biased algorithms or degree screens or exclusive professional networks or stereotypes. Don't let anything keep you from discovering the half of the workforce who are stars. Workers skilled through alternative routes rather than a bachelor's degree.

It's time to tear the paper ceiling and see the stars beyond it. Find out how you can make stars part of your talent strategy at tear the paper sealing. Brought to you by Opportunity at Work and the Ad Council. The internet is something we make, not just something that happens to us. I'm Bridget Todd, host of the Tech and Culture Podcast, There Are No Girls on the Internet. There Are No Grows on the Internet is not just about tech. It's about culture and policy and art and expression and how we as humans exist and fit with one another. In our new season, I'm talking to people like Emile Dash, an OG entrepreneur and writer who refuses to be cynical about the Internet.

I love tech. You know, I've been a nerd my whole life, but it does have to be for something. thing. Like, it's not just for its own sake. It's a fascinating exploration about the power of the internet for both good and bad. They use WhatsApp to get the price of rice at the market that is often 12 hours away. They're not going to be like, we don't like the terms of service, therefore we're not trading rice this season. It's an inspiring story that focuses on people as the core building blocks of the internet. Platforms exist because of the regular people on them, and I think that's a real important story to keep repeating. I created there are no girls on the internet

because the future belongs to all of us. New episodes every Tuesday and Friday. Listen to There Are No Girls on the Internet on the IHeartRadio app, Apple Podcasts, or wherever you get your podcast. I just think the process and the journey is so delicious. That's where all the good stuff is. You just can't live and die by the end result. It's scary putting yourself out there, especially when it's something you really care about and something that you hope is your passion in life and you want people to like it.

Let's get delicious and put ourselves out there. I'm Simone Boyce, host of the Bright Side, and those were my recent guests, comedian Phoebe Robinson and writer Erin Foster. On this show, I'm talking to the brightest minds in entertainment, health, wellness, and pop culture. And every week, we're going places in our communities, our careers, and ourselves. It's not about being perfect. It's about going on a journey and discovering the bright side of becoming. Few people know that better than soccer legend Ashlyn Harris. It's the journey. It's the people. It's the failures. It's the heartache. It's the little moment. These are our moments to laugh, learn, and exhale.

So join me every Monday, and let's find the Bright Side together. Listen to the Bright Side on the IHeart Radio app, Apple Podcasts, or wherever you get your podcasts. The phone you have in your pocket, is it an iPhone? 16 Pro. No, sir. I kept the old one. Which one? Seven. Oh, you're a real capitalist.

Mm-hmm. You keep getting software upgrades, though, right? Once I did it one time and I know that it's going to mess my phone up, I stopped. Okay. So I've got a 16 pro. I'm a techie. I loved it. I just got this phone. I think, oh, Zing, let me keep my phone.

So I'm not going to turn it on as I want to buzz. But if the phone was on, I go to the general, I go into summary, and I go to software. It shows 18.9. Now, the phone just came out last year. As soon as this phone came out, I got a notification. there's a software upgrade

there is no perfect don't let the perfect become the death of the good but even the leading company in the world for phones recognizes when they made their product that was imperfect they needed to keep improving it

in order to stay on point you want to be Netflix not blockbuster you want to be Amazon or Walmart not Kmart or Sears. You got to keep upgrading that software. We're not upgrading our software fast enough.

That's why I'm here. That's why I'm the plumber. I think we're brilliant. I got to ask you this because I was on your Instagram and I saw you respond to a video of a rapper when he had the revelation that, buying designer shit was a set up for him. I thought you just wanted something else.

Okay, go ahead. The rapper where you said, assets not on your asses. Your asset cannot just be on your ass. There you go. So what's your question? Is that you, like here you got it so quiet in here,

everybody's listening, just the way that you're able to connect the things that you know with the people that you see. I love my people. people. I think people can feel that I love my people. You're the only person in the financial space, though, that I've heard as a black person who didn't make the shit sound like it was hopeless, or made it seem like it was so out

of reach that it's unattainable. Sometimes people make things complicated so that you don't attempt it. I want everybody to win. why would I make, why would I want to make it complicated? I mean, why would I want to make this as simple as possible? Is that old Southern saying, put it where the goats can get it? I want to, I want to get this thing down to a point where everybody can see the ladder stuck in the ground. And then start going up that ladder because all of my, all of our GDP, all of our success depends on this country.

You never had a superpower that wasn't the economic power at the same time in the history of the world. I'll repeat that. You never had a superpower. I'm now going to now go from the streets to the sweets. I'm about to go from the hood to the capital. From civil rights to silver rights. There's never been a superpower

that wasn't the economic power at the same time. Think Caesar and Rome. Think France. Think Germany when it was bawling. America today. So in order to be the superpower, you have to be the economic power. What's driving the economy? Consumer spending.

70% of the economy in the U.S., in the U.S., in the U.K., any developed economy, is consumer spending. Up until now, it's not look like us. What are some of the gauges that you look at in everyday life that kind of let you know what moves, to make. America's not a country, she's an idea. So it's sentiment, vibe.

What's going public in Wall Street? It's storytelling. That's what we're bringing it. It's a narrative. Taking a company public is telling a story. It's a narrative that ends up with somebody wanting to buy. You're good, brother. Right? So what are you doing in the music business? You're storytelling. What are you doing with this podcast? You're storyteller.

What are black people with genius at? Storytelling. We just don't understand capital. Okay? Artificial intelligence. 99% of white folks, 99% of black people don't know a thing about AI. 99% of black people and white people also don't know a thing about AI.

This is a Van Jones quote. This is going to change our entire life by 2030, not 2050, within five years. I'm happy to come back and talk just about that, by the way. But your job, your job, your job, our cousin's job, our loved one's jobs, they're not going to be taken out by AI. It's going to be taken out by somebody who knows how to use AI. We are most at risk in this situation. Again, I'm always, I'm nosy, I'm always paying attention. We are at risk because in the spaces where we own the creativity, we didn't own the capital.

So the music business changed and we couldn't change with it. So the contracts, the great signing bonuses, the great publishing deals, that's a, out. Now you're making your money on touring and merchandising and whatever, whatever, right? And that's only as good as your ability to keep again, transacting.

Now, in that fair... So, as Quincy Jones said, if you think you're in the music business and you don't own music rights, publishing rights, or licensing rights, you're not in the music business, you're a temporary performer. So now, I'll come back to AI. So initially, AI is going to devastation.

our communities because 40% of us are in, you know, high school-educated, you know, level customer service stuff. You go to the, you go to CBS or Walgreens, whatever, convenience store, you go to a fast food restaurant. There's always somebody with an attitude. What you want? My food! That person's gone. Ten years ago, five years ago, you went to the grocery store. It was 12, tell me if I'm wrong. 12 tellers, one self-checkout test. You go to CVS, Walgreens today, the department's grocery store,

one teller, 10 self-checkouts with one person doing oversight making sure you don't steal. You go to a convenience, you go to a fast food restaurant at the airport, used to be 12 people, then nine people, then five people.

Now you're punching in your, own order, and there's two people are behind with robotics. Am I, have I told a lie yet? No. Those jobs are gone. You're going to have 300 million

virtual humanoid AI robots by 2030. Which means they're going to call you on the phone or you'll call them and you won't be to tell that you're, you won't be to tell that that's not him on the phone.

By 2030. By 2030. By 20, 50 in our lifetime, you're going to have 300 million humanoid AI robots, which means walking amongst us. Why? Why? I mean, look, we don't have time with this. It's just...

You don't want to create a human robot. No, no, no, it's change, it's evolution, its technology is capitalism. Right. Right. Why slavery? I mean, we don't have time for why. I can tell you what, I can tell you how. Ask God why.

I mean, I'm just telling you, we cannot sit around and debate this. This is happening right now. Right now. My point of this is, the same creativity I mentioned to you, can't be replaced by AI. What? And what you do, the creativity, the innovation, the leadership, all the stickiness, the unique textures that are black America,

you combine that with the power of technology and AI? Boom. You can create a whole new level of wealth. Let me tell you how to create wealth for us without the government. We spent all our time. I said this before. I think I said it on Cam Newton's show. He actually went viral.

He asked me about DE and I. This was, I don't know, earlier this year. I don't care about DE. And I, we're fifth on the list. Boy people are fifth on the list. It's white women and military and vet. I mean, why are we arguing about it? Because they want you to argue.

They want you distracted. The rage. They want you wasting your time. They want you to be the poster child because black people trigger folks. And then they can raise money and do all kind of stuff politically on that. Ignore the noise. I don't care about D.N.I. Kill it.

I don't care about that because what you cannot kill is a power of diversity. I've already talked to you about the numbers. That's just a, I like math. It doesn't have an opinion. Again, my rich friends need my poor friends do better if only to stay rich. Rich. It's never happened in the history of the world. So here's how I wrote a business plan for Black America.

You can go to Dream Forward, John O'Brien, download it. It's free. I've already written it. But here's what it says. I'm going to make this real quick. If black people do nothing but raise a credit score a hundred points, and 10 years is worth $750 billion. Now, back up, let's just let's just go begging for reparations.

It's worth $21 trillion of lost wages, $44 trillion if you talk about lost opportunity. This country only has $30 trillion a year in annual GDP. We're the biggest country in the world, but they can't afford to pay us for reparations. That's never, ever, ever, ever, ever going to happen. Let's say, well, we can get a discount. Let's say we can get, let's say this government had some kind of a spiritual conversion because they're not giving you anything. This government has basically said, black folks, you are on your own.

But let's assume they have some conversion. And they say, okay, we're going to give you reparations. I've just told you what they owe us, $44 trillion. Maybe we get, I don't know, $300 billion. Maybe on a good day, $600 billion, over 10 years. It sounds like a lot of money. Hold that whole that's aside from them Maximum 600 billion

But if you raise your credit score 100 points 750 750 billion And I want to ask you for a thing I go to the computer at midnight With a 700 credit score And the computer just says

Yes It's not asking you your color It's not asking your race It's not asking you your gender It's not asking you who you voted for It don't care The AI, the computer wants to know do you pay your dang on

bills. And if it's less than $100,000 your request, the computer just says yes. How does that make you feel? Makes me feel just fine. Now, you take the credit score now and you go buy a house. House. That's worth $850 billion, separate from the $750 billion. So that's a total of $1.6 trillion. What did I tell you reparations was? $300 to $600 billion. Hold at us. Now you've got to go tap dance and beg the government and hope to Congress and the Senate. I don't know how long it's going to take.

I think it's going to take it 10 years. 10 years, best case scenario of reparation. I'm going to tell you not to do it. I'm just telling you, here's your options. Or I can go get my credit straight and I can go buy a house that's $1.6 trillion. Then I can do AI, that's a trillion, I just talked about that, separate trillion. So now we're at 2.6 trillion. Here's the drop the mic.

Am I boring you guys? Hell no. You even got the rappers over there like, hell yeah. Here's the drop the mic. Here's why I want everybody, if you don't listen to anything I've said, please listen to this. There's $150 trillion of wealth in America. $50 trillion of that has been created since the year 2000. $50 trillion in the last 25 years.

Out of $163 trillion of wealth. For the first time ever, demographics have changed. You got more people over 65 than under age 18. Damn. Those under 18 look like us. Over 65, white, wealthy, trying to go play golf all at the same time. There's going to be $100 trillion of wealth transfer

through inheritance in the next 10 years. So the wives, the husbands, the kids don't get the stocks, the bonds, the cash, the houses, they don't want the businesses. Too much work. That's 15, you're a step ahead of me. There's $15 trillion of successful, please, Listen to this.

Cash flowing. Cash flowing. Real estate having. Customer trusted, branded. With equity. With equity. There's nothing wrong with them. There's no succession plan.

They didn't need somebody to buy it. I'm joking, but I'm serious. Go meet you a white friend. Go meet you an Asian friend. go meet you I don't care what color they go meet you a black dentist I don't care go meet somebody not broke please every day you drive on the freeway on the street look up with that office building those little windows that's a dentist office next to a chiropractor next to an architect next to a law firm those are businesses you see though

whoever whatever town you're watching this in you in Columbus Georgia who's the biggest plumber in Columbus, Georgia. You don't need the biggest plumber in Georgia. You don't need the biggest Georgia plumber in the southeast. You don't need the biggest whatever in the country. No, no. Who's the biggest electrician in Columbus, Georgia? Who's the biggest dentist in Columbus, Georgia? And you listen to me? I hope you, this is the most important thing I can say today. Fine in Columbus, Georgia, the dentist or the plumber who's got three offices, by the way, it's a multi-million dollar care. That's a multi-million dollar business. Everybody knows, go to this dentist. You can't AI plumbing. Can't AI

electricians. Don't hate on plumbers. Don't hate on the trades. They're kicking. Good skill. Go make friends with that person who has no friends in their family. Go to lunch, go to dinner, invite them to your house. They invite you to theirs. By the way, we might improve race relations by accident. Right? Right. Because race is all, that's a whole other conversation. Race is literally made up.

Social construct. It's all about power and money and a cash system. But that's a whole other conversation when I come back. Come back. Okay. So within I like that you keep reintering that you want to come back. I like that you keep reintering that you want to come back. Yeah, when you come back, we'll have a board and all this. There we go. So 18 months,

18 months are you hanging out with this dude or lady? Maybe like and you're going to say, look, do you have any plans for this business? They're like, well, my kids don't want it. My family, they don't want to do this. I'd like to buy it. Hmm.

Can you afford it? Well, how much is it? The broker said that this thing is worth about $5 million. I don't have $5 million. I got a hustle. I got a heart. I got a head. I'm willing to work from can't see the morning and can't see at night.

I've got sweat equity. I'm willing to commit. I'm willing to sign on the dotted line. Can you carry back the paper? Seller financing. I'll go to the bank. By the way, please listen to me. If you're trying to do a,

you're trying to do a startup for a taco stand or a startup for a pizza, we love starting restaurant. You want to do a $25,000 go-fund me campaign. It's going to go broke 80% of the time within three years. Why do that? By the way, and when you sign on the dollar line,

you personally guarantee you. Go buy this $5 million house, this $5 million business I told you about. Go to the bank. They'll finance, the bank or private equity on Wall Street will finance 80 to 90% of that purchase price on what's called non-recourse debt. No personal

guarantee. Why? Because they're using the, you said it, equity and the cash flow of the business. Business. That's collateral. And then the seller will take back some of the paper

that you can't get and then they'll give you, he or she will give you two years to five, years to pay him back. And by the way, it's no, skin off his nose. If you don't, if you default, he gets it back anyway. But it's free game for you.

This is, if there's nothing anybody else heard me say. Buy home, go buy a successful business. Start a stock account. Get a will. Get a live insurance policy, a term. By the way, and please,

please can we stop asking people to do GoFund me campaigns for somebody who has died. It just drives me out of my nuts. My absolute mind. If you have, if you, if you have a health policy. I'm out my nuts right now. My nuts are heard me. If you have a health insurance policy, in the details of most every health policy is a death benefit. Cash benefit. $25,000. Please, can we please stop begging to beg somebody with a go fund me? Use a go funder campaign to raise capital for a business or something. Not to, not to, not to Please stop it.

There is a life insurance, go, go home and read your life insurance policy, your health policy, not your life insurance, your medical policy. If you work for somebody, in most respective policies, there is a, in the fine print, there's a definite, if you die or somebody, you get $25,000 to bury them. This is financial literacy. That's why I call it. We've got to make smart sexy, man. We've been making dumb sexy for way too long. We've dumbed down and celebrated it. We've got to make smart, sexy again.

Hold on, hold up. Before you get out of here, I got to know this part. Come on. I'm going to take you back. All right. You think I forgot. I ain't forgot. No, you don't forget.

When you started that business with $30. $40? $40. And you were making $300 a week. Yeah. You want that? I want to know your mental or your game plan. Okay.

Can I break that down? Yes, sir. So, so I told you about, you know, what got me there. Right. Saw the murders, whatever. I told you I was in the classroom. And one of the reasons I think I don't have any drama with white people is my unfortunate, the people in my neighborhood, they get thrown against a patrol car by a police officer who was white.

That was their first negative experience. Well, my experience was this white banker who taught me about money. It was not negative at all. He answered my questions. The white teachers bought whatever I was selling through mail order, so that was a positive. So my first experience with white people was not a negative one that helped in my situation. So now, okay, now I've been told about this capital thing and how it works. So I start going home and I walked home and I saw the nail salon on the way home.

That's a business. I saw the muffler shop for the first time. Okay, that's a business. I saw the barber shop. Well, hey, that's a business. These are all capitalists. I saw the gas station. Well, everything is a business.

It just clicked. So on the way home, it was a liquor store, Max Liquor Store, owned by a black man, Mr. Matt, 6-2. Good brother. He owned this liquor store, Max Liquor Store. It was down the street from my house. My house, I had 1-5502 South Fraley. This was Atlantic and Alondra right down the street.

I walked up, Mr. Mack, and I said, Mr. Mack, I didn't know the word Joy Adventure back then. I'm a king of joint ventures now. I said, Mr. Mack, I want to be your partner. I want to, you know, I want to partner with you. And the candy, he had a candy counter, glass where he sold candy in the middle of the liquor store. And he said, come over here, I'll give you a job selling the candy. I don't want a job selling the candy.

I want to be your partner. No, no, no, no. Look, I'm going to give you top dollar. Like, I'm going to pay you like seven bucks. an hour. Backstimple, that was everything. And you can make more money in anybody in the neighborhood. I'm going to pay you top dollar. You got gift of gab. You can sell us. Come over here.

Sell my candy. I don't want to sell your candy, Mr. Mack. I want to be your partner. I want to be an entrepreneur. That's really funny. You're selling the wrong kind of candy, sir. Well, no, I've got a college degree. I've got cavities. I'm nine years old. I was going on 10. I'm telling you, you're selling the wrong kind.

The only reason that they're buying from you, you have no competition. You're not even on the way to school. It's not even convenient. You're not even convenient. We got to walk out of the way. School's that way. We got to walk out of the way to come to your liquor store. And we come into a liquor store to buy candy.

I'm trying to save you. What do you want? I want to be a box boy. He said, that's the worst job I got. That's the one I want. Okay. So he hired me and went to the coal box. You know, when you open the box and you get the beer out or whatever,

the person pushing it, the inventory from behind in the co-box, that was what I wanted. Now, you guys are really smart. Why in the heck would I want that job? Well, a runner back, because I like quizzes. Now, what is the box boy? I ain't ever had no job. The box boy. I love that.

self-made. A box boy opens the inventory boxes. Okay. Would I tell you between a hustler and a business man? Paperwork. Paperwork. Where's the paperwork? In the box? So now you got the whole operation. Now we got the operation work. You're learning the game. So I'm opening the box. And getting this right now. And getting the paperwork

and seeing where he bought the candy. Phone number, address. Yes. Iris food store and smart and final. That's where I'm going. This is where it's wholesale rate is. This is what his retail rate is. It's what he's paying. The wholesale rate, what he's paying. I know what he's selling it for. My mouth is like

the difference is profit. So I quit in three weeks. Went home. Went to my mother. Said, I need a loan. Actually, I need $40. I need $40. She said, for what? I said to start a business. She said, I don't have $40 to give you.

Life's tough. I'll loan you $40. You got to pay it back. mom you gangster yep she borrowed $40 she said where are we going she she she would not let me go any place by my mother my mother was the janitor my mother was a security guard at my the substitute teacher at my school when she got laid off at McDonald's aircraft she didn't go on welfare she came to my school and asked what a job was available because she was going to be all over her kids ass she told me she loved me every day of my life that's why I had no self-esteem problem she was always So she took me to Smart and Final

in Irish Food Stores owned by a Jewish family in Compton. And this story comes full circle, by the way. That family was very sweet. Oh, nice kid. It was a school project. You want to start a business? Yep. I didn't care what they said. Yep. School project. Yeah, sure. Because I didn't have a business permit.

You couldn't ask me difficult question. Oh, sure, what do you want? I want to buy this candy, which I know my friends like, and I need some racks. Okay, here's the racks for free. We'll say you the candy. Come back when you sold that. I went home, ate through half the inventory. I lost my mind.

But dibbling in it passed. I stopped eating my own. Own supply. But here's a miracle. With the other part that I didn't eat, I sold it and still had a profit. I said, oh my God. Still making money.

Yeah. So if I'm making money and I'm running a sloppy business, what would happen if I tighten up? So I went, bought some more, came back, did not eat any more of it. sold it. Six weeks later, I was making $300 a week. And I put the liquor store out of the candy business. I warned them. I said, partner with me. And I'll save you, but he didn't pay any attention to me. And so I didn't argue with him. I didn't scream at him. I didn't curse

at him. I just competition, because I was right on the way to school. Neighbored candy house, opened the den of my house, right there on the corner on the way to school, and I cleaned his clock six weeks once i had that once that light came on no one could stop me man this has been an amazing experience we can literally sit here and talk all night everybody in here is in awe is infestinated right now we got to get you to sign the table though oh i'd be honest so look anybody watching this i've created operation hope to do financial coaching and counseling i raised i raised about 60 million 70 million a year, so I can do it for free. Okay.

And I have 1,500 offices across the country. I'm on your app. You can hope and hand app. I don't want a thing from you except your uplift. You can, because of these brothers, you can go online, sign up the coaching. I'll give you a $1,000 coaching scholarship right off the bat. We're going to get your credit score up 54 points in six months. We're going to lower your debt, $3,800.

When it increase your savings, $1,200. You're making $48,000 a year, which is the average for us, that changed your whole life. you make $50,000 and I raise your credit score 54 points to 100 points I've lowered your debt $3,800 I've increased your savings $1,200 the bank says yes

my whole goal is to get the bank out of the no business and back into the yes business because they can't make any money unless they say yes to somebody for debt for a loan now somebody watching this, I'm going to do what you said but this is a very important point

is I want to get all the taboo out of the way somebody watching this saying oh banks are racist I got a cousin who's racist You don't need to go to the bank Like If we're going to start blaming people I got bums in my own

I call it the bum factor 20% of white folks are bums 20% of black people are bums Only 20% of Republicans and Democrats are bums 20% of people in my family are bums I'm just being generous and saying 20 The point is we don't need to If pointing fingers is the game we're in

You don't need to point all the way over there We can point right over here So let's knock that off, right? So are our banks races? In the 20th century, yes, they were. They're owned by families. The Joe family had a bank. They're racist as hell.

And they didn't want to loan the black people. Completely true. Today, Wells Fargo is owned by me. If you have a 401k, you own Wells Fargo, Bank of America, Santander Bank, you own city bank. It's called a pooling of assets, a stocks. You don't even realize if you have a 401k plan, if you have a stock plan and you're buying the index of the biggest stocks, you own all that is publicly traded.

So is there a person in the bank that's racist? Yes. But what did I tell you if you get your credit score to 700? You're not talking to that person. You're talking to the computer at midnight. So you ain't even got to go in the bank. You ain't even got to go in the bank. Yes.

It may look different, but native culture is very alive. My name is Nicole Garcia, and on Burn Sage, Burn Bridges, we aim to explore that culture. It was a huge honor to become a television writer because it does feel oddly, like, very traditional. It feels like Bob Dylan going electric, that this is something we've been doing for a hundred of years. You carry with you a sense of purpose and confidence. That's Sierra Teller Ornellis. who with Rutherford Falls became the first native showrunner in television history. On the podcast, Burn Sage Burn Bridges, we explore her story, along with other native stories,

such as the creation of the first Native Comic-Con or the importance of reservation basketball. Every day, Native people are striving to keep traditions alive while navigating the modern world, influencing and bringing our culture into the mainstream. Listen to Burn Sage Burn Bridges on the IHeart Radio app, Apple Podcast, or wherever you get your podcasts. Smokey the bear. Then you know why Smokey tells you when he sees you passing through.

Remember, please be careful. It's the least that you can do. That's what you desire. Don't play with matches. Don't play with fire. After 80 years of learning his wildfire prevention tips, Smokey Bear lives within us all. Learn more at smoky bear.com.

And remember, Only you. can prevent wildfires. Brought to you by the USDA Forest Service, your state forester, and the ad council. The internet is something we make, not just something that happens to us. I'm Bridget Todd, host of the tech and culture podcast

There Are No Girls on the Internet. There Are No Grows on the Internet is not just about tech. It's about culture and policy and art and expression and how we as humans exist and fit with one another. In our new season, I'm talking to people like Emile Dash, an OG entrepreneur and writer who refuses to be cynical about the Internet. I love tech. You know, I've been a nerd my whole.

life, but it does have to be for something. Like, it's not just for its own sake. It's a fascinating exploration about the power of the internet for both good and bad. They use WhatsApp to get the price of rice at the market that is often 12 hours away. They're not going to be like, we don't like the terms of service, therefore we're not trading rice this season. It's an inspiring story that focuses on people as the core building blocks of the internet. Platforms exist because of the regular people on them, and I think that's a real important story to keep repeating. I created there are no girls on the internet because the future belongs to all of us. New episodes every Tuesday and Friday.

Listen to there are no girls on the internet on the IHeart Radio app, Apple Podcasts, or wherever you get your podcast. I just think the process and the journey is so delicious. That's where all the good stuff is. You just can't live and die by the end result. It's scary putting yourself out there, especially when it's something you really care about and something that you hope is your passion in life and you want people to like it. Let's get delicious and put ourselves out there.

I'm Simone Boyce, host of The Bright Side. Those were my recent guests, comedian Phoebe Robinson and writer Aaron Foster. On this show, I'm talking to the brightest minds in entertainment, health, wellness, and pop culture. And every week, we're going places in our communities, our careers, and ourselves. It's not about being perfect. It's about going on a journey and discovering the bright side of becoming. Few people know that better than soccer legend Ashlyn Harris. It's the journey. It's the people. It's the failures.

It's the heartache. It's the little moment. These are our moments to laugh, learn, and exhale. So join me every Monday, and let's find the Bright Side together. Listen to the Bright Side on the IHeart Radio app, Apple Podcasts, or wherever you get your podcasts. I want you to get your credit score up. That's what my team's going to help you do. Nothing changes your life more than God or Love than moving your credit score 120 points. Your day is not about God or Love, your days about money.

And when you guys finish working out, you go to the club, and you, party and that's cool and you say oh man she's fine and then the guys the guy said oh she's fine and the ladies said oh he's so handsome that's what's the name yeah as well the credit score damn right and i am nothing but serious dead serious you heard her i don't want to hear five nothing six nothing we make it work depending on how how you stick yeah i'm gonna put in that class I'm going to put it in that class. No, she's fine enough. You put her in the class.

Give her one of my scholarships. Because you gave me 690 earlier. I was like, who the boy, I owned some. By the way, I've been 400. I've been 500. I was homeless when I was 18 years old. At Lottier Airport in Los Angeles, I lived in my Jeep. We didn't get to go to that story.

But I mean, whatever the situation is, people are listening, I've been there. So, yeah, my credit score is, you know, 780 now. but, and it used to be $800, but I carry all this debt for my companies, whatever on my bag, but it's fine. My Amex is like six figures every month, my black card. So that-

You're writing it all, right? That drives down my credit score, but I have been 400, I have been 500, I've been all that, so we can all come up. This is all curable, right? I was on the earth, to earn your leisure brothers.

They're talking about historic racism, discrimination, credit scores. I said, what about credit scores? And, you know, like, look, pay your damn bill. That's it. I mean, did you pay for the car note or did you not? Or did you take the money and say, hold up, I thought about it. All these people running around, they got the Bentley, right?

And I'm like, and then the career ain't working the way they want. All of a sudden, the bank's racist. The bank weren't racist when they gave you the loan. But now when the bank wants their money back, now the bank's racist. Just pay them back. Pay them back. I give them the car back. Like, why is this a discussion?

Like, let me tell you something. I'll loan you some money and you don't pay me back, you'll be calling me racists. No, that's your gift. This is your gift. We want you to sign the tip. This is a gift? I'm not ticking, isn't it? It's not ticking, isn't it? No, it ain't ticked.

Anytime you made some money, man, where that suit, man. Am I opening this now? Yeah, most definitely. I mean, you open it when you want to. Well, people don't normally give me something. People normally asking me for something. Oh, this is hot. Yeah, yeah.

Okay. Tokyo talking that 85, soft. Okay, you guys are classic. You might be jumping off a jet or something. And you might need a little sweatsuit or something. Oh, this is hot. Represent the sound. I will wear this, man.

Nice hat of something. Oh, no, this is classic. Yeah. I'll wear this when I travel. Yeah, most dead. Thank you very much. Now, the catch is this outfit is $250,000. Hold on.

Wait, well, wait, let's hold on. Slow, wait a minute. You know what is it? No, no, hold on. No, no. I'm sorry. It is. No, no, I'm sorry.

No, no. I'm just giving them the people credit's going to sell to. No, no. And you qualify. No, see, he thinks all this is normal. With all due respect, I didn't hear words you said. We are on live, whatever this is, and my brother has broken out a styrofoam situation.

Won't go on my mouth? Now you're going to ask me for something. When you were praying on your food and put it in your mouth, you didn't ask me for a thing. No, I'm waiting. We were hitting, we were up. You are fucked up. You're a fucked up, D.C.

You're fucked up, man. I'm trying to get that $250,000. You are a fucked up person, man. I heard what's that. Shit, if y'all would never do you like. there, good brother. I wouldn't, I wouldn't, not me. I'm just saying, I appreciate that. I wouldn't even do you like that. But let me tell you what? But if you run it back, you get some, I don't see me do like that. Let me tell you what? You would go ahead. What? Well, hold on.

Did you see me do like that? He was talking. But I said, let me want to interrupt. I'm like, let me see me in Peripherful. Go ahead. Let me tell you, first of all, I love that you prayed. But let me tell you why he's going to be so successful. He's got something to figure out. charity starts at home. Exactly. The best way is to solve poverty is start by not being poor yourself. I understood.

Even if you want to distribute money like a socialist, you had to first collect it like a capitalist. That brother made sure he was eating. He would make sure he wasn't hungry. He was on that money. I'm making it around my food. He was eating his. That self-determination, that self-reliance,

that do for yourself make sure that you are cool. For show for show. That's the first element of success. I had to learn that ain't nobody gonna take care of you like you. That's right. I like you guys. No problem. You more than what?

We got any questions. I don't know it's right. Man up been fed. So he ain't that JJ. You got him. John Hope Bryan, ladies and gentlemen, make sure you hit the website, get those resources. Get your credit score running his back. He dropped a lot of gems in this one right here, man.

We really appreciate you coming out. We didn't have a lot of brothers come through here. but for somebody of your stature to come through here and tell us some of the right shit, that means a lot, because you didn't have to. My man was in a Sprint of a van by himself. Here you go. 16 passengers.

Who else was supposed to be in there with? They can ask for no reason. I need quiet, brother. I understand that. If I'm doing a conference call with somebody, it has to be confidential. If I'm taking care of business, it's confidential. If I'm trying to create,

I can't create in a bunch of noise. Again, I will let you mess over my money one time. You can't mess over my time. So that's my mobile office out there. So I'm on, I did a lot of stuff between my office and here. That driver that's out there, I'm glad to give him, by the way, give him employment, whatever, his brother, Marvin. He's making me money.

He's allowing me to build wealth because I am using the time while he's driving. It used to be that it was more efficient for me to drive. When I was hustling, it was more efficient for me to drive myself around. But then I got to a point where I was on the phone, I'm distracted. A laptop. You know me. I can't drive. So I'm a danger to myself and everybody else.

And I'm not being efficient. I can't focus on anything. It got to a point, whenever I got to a point where I had enough capital gains, I had enough, let's call it, a liquidity event. Liquidity, yes, sir. By the way, another jewel, black people that stop getting emotional about business. A whole point of building a business is to sell it. I will repeat that. The entire point of building a business

is to make it valuable and to sell it. You want a liquidity event. Now you can reinvest that if you like or give philanthropy or do what you want. Somebody says, again, in the comments. Oh, John, you wrong. Amazon didn't sell.

Walmart didn't sell. you fool what do you think a publicly traded company is it's being sold every day it's called stock sales and purchases it's called shares we need some stock man so so you you build the company you build it up and you get in a liquidity event and that was called clipping a coupon on wall street

wall street gives you the compliment of saying i value independently value what you have sold i have Auditive Financials, by the way. That's a whole other conversation about the benefit of having, again, paperwork. So we, not that you value it,

we, Wall Street, independently value. So when I sold a company for over $100 million and clipped my coupon on Wall Street, it was, it also mattered who bought it, so it was an institutional purchaser, right? And then I got a $200 million line of credit, making me

one of very few black people to ever have a line of credit of $100 million. And that was not... How do you sleep that night? You didn't did the business all day, right? You didn't did the business all day, the check clear. You're looking at the, you see the, you see the M's in there. How do you sleep?

When the deal closed, when the deal closed, when that deal closed for $121 million before the $200 million, I was at Taco Bell in the drive-thru. It was 3 o'clock in the afternoon. I ordered a number three. I'm about to start fucking with that number three It was just another It was just another day It was another moment

I don't do it for the money It wasn't about the money It was about the achievement And I wasn't really focusing on the money That came to me I want to make sure The bankers got paid

My investors got their money back Plus the return The contractors, the attorneys They weren't The attorneys earned a million dollars off that transaction I wanted to make sure I had

partners and relationships for life who knew that when John Bryan calls you about that bread you know it's you know it's legit man you make sure you got out of number don't don't leave this one so so I wasn't tripping on it at all but when I did that 20 million dollar credit facility with non-recourse debt with bearings um that said something about me as a business man being an Thank you. Thank you. So. That JJ South, that shit, get in your throat.

Yeah, you're serious. So you build a business up so that you can have a liquidity event and sell it. I'm about to start a business. I can't talk about the details right now. But in a month you'll hear a month or so, we've announced the business that at its start will be three times larger than the real estate business that I sold was when I sold it. was when I sold it. But I couldn't have done the one that's three times larger with a partner I'm doing it with had I not done that one done the first one and sold it. Does it make sense?

Because he wants to be in business of you selling. He wants to be in, the new company wants to be in business with somebody who achieved the goal that they're trying to achieve. The goal of the last, I did in the last business that put me in a league. Up here. In order to do a billion, dollar deal you have to be able to do a hundred million dollar deal right i can't trust you up here if you ain't ever done right that part i hope you learned something today i hope you listen to every word mr john holbroide said in here today you might want to go in business and buy their business because dc going to sell them some shit that he don't even on that's how cold my partner is he only has shit to do with j j's about to stay

I'm about to say I'm going to bring JJ some money Nick I'm my what you call a financial litre John and John

John and John mortgage brokers John and John and John mortgage brokers come on man come on man listen man this is 85 South show

you never know who gonna stop through here 85 South show D.C. Young Fly John Hope Brand We out of here No cap But we've got to get you to sign the table.

This is our version of the Apollo Law. I have one paper. Okay. I need to know that you guys got something out of this. Absolutely. If you don't have a question for me, just tell me one thing, because this was my evening. Right. I didn't get to see my wife.

I didn't get to watch my movie. I didn't get to chill. I don't do stuff in the evening like this unless I'm working for myself. So I want to know this was worth it for you. Can you just tell me one thing that made it worth it for you guys, and I'll sign your table, do whatever you want me to do? My rich friends. need poor people

to get rich at least to stay rich yeah real talk open your credit score 100 points you're gonna take all the points loke goddamn

no but bro this shit got me I can't wait till tomorrow I can't wait till tomorrow we're all in same class man I'm gonna get my points in too go ahead he waiting on me that was my point go ahead

I gotta think of another point go ahead we'll come back to you I got another point We'll come back to you Like the life insurance and buying a house It's like real You know what I'm saying Because like you said, they tell us

You don't want it But I always say Whatever they tell us ain't for it That's right You know what I'm saying So I knew someone's up So if you break down that Yeah they hype me up

Literally you see somebody on CNBC Telling you that you should That this generation should not They're even telling white people with us by the way They're not discriminating This generation should not own a home. I want you to do a search of that. With AI, you can do this now.

Does this person own a home? And AI will do the research in three seconds, pull up property records and say they own a home here, here. I guarantee you there's a proper millionaire has real estate in their portfolio. He got it. He got it. Go ahead, fly.

Yeah, school's in session, brother. Mr. John, one of the biggest points you stated tonight was, self-esteem. Yes, yes. That's how we got to start first. We got to look within ourselves and look within others and know that we can be great. Right.

Because if we don't love ourselves, we ain't going to love each other. That's right. And I don't even like using the word broke because that's kind of like a poor man's mind, like a poor man's word. I just like to say, bro, you're not broke. You just got insufficient fun. You see what I'm saying?

We all got the mental ability to be able to take ourselves or elevate. You don't want to be broken, broken, mean you're broken. You just have insufficient funds. But I think like if we start loving each other and love ourselves and build self-esteem, that's one of the biggest issues. Everything else is just flow. A hundred percent. The leverage.

That's what stuck out. The leverage. And like you was saying, it's a lot of this. you got to refocus. It's a lot of distractions. It's a lot of noise. It's a lot of bullshit. But when you, when you got a goal and you got a plan,

like, shouldn't nothing be able to distract you from that. As long as you stick to the same shit that got you there, like you were saying, with the houses. It don't take $700. You do this shit three times. That's right. You know what I'm saying? That's what you're overthinking.

Fuck all the other shit. Stay focused. Don't let nobody tell you that it can't be done. That's right. take some chances, take some risk, but then still a platter information. So that's, you didn't specifically say leverage, but that's what stuck out to me.

It's using what you had. Leverage your knowledge, leverage your network, leverage your relationship capital, leverage leverage good debt, leverage good opportunity, leverage your community know-how. You know this community better than anybody else does. I mean, why is somebody walking in our neighborhood

and buying our shit? By the way, don't be here. on somebody coming in your neighborhood talking about gentrification. Look, read a dictionary. A dictionary definition of gentrification is a movement to middle class values. Don't know.

They had shit to say about some race. It's nothing to do with race. You want a community to grow up to middle class values. And if you had a chance to buy the house in your neighborhood for the last 20 years, why are you upset? Because some smart white person

or Asian person had enough sense to come in, buy it, rehab it, and rent it. If you see a white person with flip-flops and short-paying zone, riding a bicycle in the neighborhood, that's not a tourist. They live there. They probably owns some shit, too. But why are we upset with them for doing what we wouldn't do? Wouldn't do.

Knock it off. They should be applauded. And by the way, if they're living there and paying property taxes, it's raising your property value. You're going to buy the one right next to them. Like, the color is not black or white or red or blue. Please hear me. The color is green.

That's why when I started, I said, you're not a black businessman. You're a good businessman who happens to be black. You want everybody's dollar. You want everybody to be your customer. I walk through life consciously oblivious of most things around me because the shit just don't matter. People just wasting your damn time. That's why I'm the only, I'm the only,

person that damn sprinter van nobody's willing to waste my time i'm ruthless about my time when i call somebody i that's intentional when i'm talking to somebody i'm sharing my energy i'm sharing my frequency that's the highest compliment i can give you we have a lot of low frequency crap going on man in our lives and it's just it's toxic i'm i'm y'all can do it i ain't got no interest in it so people don't even know it when I'm ignoring them. I see people all day, all night. Hello, how are you doing? Yes, yes, yes.

You have no idea what I have already made an assessment when I meet you. That's a 30% person. You can get 100% or 30%? But 30% of me is all you can handle. So you thought you got 100% of 100%. You still drop. So when you meet somebody, preferably a mate. When you meet a mate business partner and you experience 80% if you get that lucky

and you want to give them 100% of 80% back, now you've met them at, they met you and you met them at the right, that's called high frequency. There's no noise. It's clarity. That's a giver and a giver. Too much of our stuff, man. It's down here. Noisy. Shit. Low frequency. Drama! People wasting your damn time! I said I was finished, didn't that? Yeah. And when you got the power, you don't have to use it. Either of you have anything that you got from this?

It's okay if you don't. Oh, one of the big things was the reparations and how you basically made the metaphor for, not metaphor, but reparations versus actually raising your credit score 100 points. Like, the difference between the two dope. Second thing I always get is that buying a business. Yeah. Like buying a business, finding somebody that has a successful business

in your neighborhood, whoever, be friending them. They don't have a succession plan. Buy their business. My question is, you said business is basically building a seller, right? The purpose of the business is to build value, to monetize that value, and have a liquidity event, which you only get by selling it. Whoa, you can recapitalize.

If I'm buying the business already, same price. process or buying this to keep this is a great this is a great question so let me explain capitalism for you for a moment we can I have two minutes is okay yeah we just closed the door back so let me explain capitalism and I and I didn't do this before as I'm glad you raised this this is what we take personal and it drives me nuts when people start jamming up to be real blunt my Jewish brothers and sisters because they're great negotiators oh you know these Jewish guy you know he he messed me out of my record recording contract. No, no, slow down, Joe.

Wait a minute. He didn't come in with a hood, Klan's cape on and take your music. He put a contract in front of you. The paperwork. The paperwork. Your ass. Didn't read it. Didn't read it. And it wouldn't take it to an attorney.

But now you upset that he gained you on the paperwork because he designed paperwork to his benefit. Here's what capitalism is. Capitalism is a table. There's one person on the side there's a consumer. The other person on the side is a capitalist. Please listen to me. The whole purpose of the capitalist is to extract as much money from you as possible while giving

you the least value. Got that? The purpose of the consumer is to pay the least in money while extracting in negotiations the most value. You follow me? It's really important. That's their job. The producer's job is to extract money while giving you the least.

The consumer's job is to pay the least while extracting the most. A good negotiation is where everybody leaves that table slightly annoyed. Because nobody got everything they wanted. It's a cold game. But if you're dumb ass,

just looking at the girls, you got sunglasses on at night and you think, oh, I don't need to do the paperwork. I just want to hear for a creative. You are, you, it's just a matter of time before you broke. It's the show business.

It's the business of show. It's a business. The man gave you the contract. Read it. Get a lawyer to look at. come back and negotiate you could have called them but you didn't you didn't look i just got caught i got caught sleeping two weeks ago i can't talk too much about it because it's about the thing but i got caught sleeping two weeks ago for one point six million dollars luckily for me

luckily for me is i'm good but i made a mistake i didn't take that particular contract it was in the middle of a larger situation i thought these were nice people I thought, even though I met them in a sort of shotgun marriage situation, I thought they were good people and they wouldn't screw me. My bad, I signed some shit, I shouldn't assign and I didn't have my attorney look at it. There's a one time I didn't let my attorney look at it. That's my fault. That's my doing.

Now, you get me once, shame on you. Get me twice. Shame on me. Shame on me. But at a level you read, why would you do that? Because I'm human. Understood. Because iPhone has software upgrades.

Because there is no perfect. I'm glad you asked that. So don't beat yourself up. You can make a mistake that doesn't make you a mistake. Walk off. Walk off. Just walk the fuck out, D. The money is still in the room.

I got to come back. But luckily, luckily, but that person who did that Won the battle is going to lose the war. Damn. They stabbed me for $1.6 million. I'm already stabbing them for five. I may stab them for $10. You need some help?

I'm good. I go with you. I can do this one with you. I can do this hands free, brother. I'm just saying, don't. I can't fight this one from the shoulders from the neck up. But I'm already, by the way, I'm already moved on to the next situation. This is just the past.

Right. I'm just saying I'm supposedly the. financial literacy, whatever the phrase is, I made financial literacy policy for the government, blah, blah, blah. I've served three presidents from both parties that have been recognized by five, all these credentials, even I made a mistake. Don't jam yourself about mistakes. We're going to make mistakes, right?

Just get up and keep it moving, because it's hard to hit a moving target. I think the thing that stuck out of me really is, like, we talk a lot about how, like, our humanity and our issues like people kind of hold us best like you said self-esteem are you know shy away from spirituality all those types of things do affect our ability to sit down get some required thing and actually come up with the ideas that are going to bring us capital yeah everybody's not a real estate mobile everybody's I'm an artist. So I do need to sit down somewhere quiet to come up with my ideas and things like that that I'm going to put out that eventually lead to making money. Yeah. I think, like, a lot of times you hear a lot of people like, you got to do this and sign up for

this and take this class and do it. And I feel like a lot of times it's like, folks, you got to get your mind right first. You got to get your spirit right first because whatever money come to you when your stuff messed up, it's just going to miss you up even more. It's just like a drug. It's going to amplify whatever's going on inside of you anyway. So if you messed up, when the money comes, it's just about missed you. So that's brilliant.

Please hear me. I want you to take away two things. One, an addiction is a response to an emotion you can't handle. An addiction is a response to an emotion you can't handle. And then what happens, you know it's addiction. You do a little bit of wine in order to keep medicating you. To get the same buzz, you need some more wine. And that's why people become winos.

You need more wine. But it doesn't matter what it is. weed, wine, drugs, women, you just, it's more and more, to give you the same buzz. Because there's a, the cup, self-esteem, the cup has a hole in the bottom. So it doesn't matter how long much you pour it into it, if you don't seal the damn cup. You can never get enough. You'll never get enough. So you drown.

But most things in moderation are cool. Drugs and moderation are prescribed. Wine in moderation will lower your blood pressure. Most things in moderation are cool. So, but in order to do that, you need self-esteem. Asteen. Second point. Somebody's going to say to you, if you go to have this conversation, somebody's toxicity,

somebody's going to say to you, who loves you, by the way? They don't talk you old. They're trying to talk you down from all this. John Bryant told all that stuff. Just give me all the money. Okay. I'm going to take all the wealth in the world. I'm going to give it to all the poor people in the world.

in three years we're going to all have it back because if you don't have it here you don't have it here you're not going to have it here there's a difference between being broken being poor being broke is economic being poor as a disabling frame of mind

a depressed condition of your spirit and you must vow never ever ever to be poor again I told you, money is just a medium of exchanging value. Crap in, crap out. Dumb in, dumb out. So if I give a million dollars to a homeless guy, and I change nothing else, he'll be broken six months. Ignore the noise.

Consider the source of the advice. If you're not smarter than me, if you're not more successful than me, and you're trying to give me advice, I don't say anything to you. I just write you off. Now, if I'm getting wisdom, I can get that from a homeless guy. Spiritual wisdom, I can get that from the least of these God's children. I talk to everybody.

I love talking to bullboys and waiters and all. I'm always here hustling. But as far as business success, you're not going to talk me down in the comments section of my own damn page. I'm asking people, why are you following me? Please, before I block you, unfollow me. Like, why are you arguing with me to argue with a fool, proves there I too? I'm not going to argue with you.

You don't know what you're talking about. I'm the one with a payroll of two million dollars every two weeks. You're talking about a bag. Come on, what kind of conversation we're going to have? I can knock you off with the interest from my MX card. I don't argue with people.

I can take my, My MX black card just pay, just buy whatever it is underneath you sitting in. This true story, Dr. King's grandfather, A.D. Williams, owned all the reason the King Center has all that property is A.D. Williams owned it. The grandfather for Dr. King. So Dr. King, Daddy King was told by the white business across the street when Martin King was growing up. I don't want my white son. I'm sorry, I don't want your black child playing with my white son.

He owned a business across the street from the King family. Daddy King said, I hear you. I think you need to remember something. I own the real estate underneath your business. Now what did you say to me? Apologies True story No need to raise your voice

Because when you got the power You don't need to use it All right, we're wrapping it up here Anybody over here that this was worth your time? 1031 tax-free exchange Yep That's right Free money

No, tax-free This brother here is a thinker right here This one here. He thinks with it. He talks with his brain. You had him about to jump out of this chair a few times. He was rocking back and forth. Oh, like, shit, you got it. Part of it is a trauma. Because we are too traumatized and we never healed from our pain. We don't want to think about money. We don't want to think about death. We don't think about nut. We just want to party, enjoy ourselves, have fun. By the way, people play on that.

So what we've been talking about, the whole situation, the luxury stuff, the partying, the bling, the society. The society manipulates our manipulatability. They manipulate our manipulatability. So yes, we need to do the boring stuff first. First. Only in the dictionary does the word success come before the word work because it's alphabetical. But I don't need to talk to you a lot.

I read people very well. You've been on games since I've, since you came in here, you've been, your soul's spirit's been quiet. You've been ear hustling the whole time. Much respect to both of you. Anybody else? You know, you don't want to be the old guy in the club. So before you kick me out, I'm going to leave.

No, we ain't never kicking you at. You got to kick that light came old, boy. Go on your phone. I mean, this is the greatest generation, man. I mean, you've got a computer. You have a macro computer in a microphone. That's not a phone, it's a computer. It is unbelievable.

But if you'd have this phone and artificial intelligence together, I mean, I don't know how people are sleeping. Like, my brain would, if I was coming up right now, my brain would be on fire. I'd have to force myself to sleep. This is unbelievable leveling of the playing field. Go on your phone. I don't care what you do. Schwab account.

I don't care if you do, there's a black, Fidelity. Fidelity is a black company out of Chicago. My God, what is it? Oh, John Rogers. Oh, it'll hit me before I go. It's a black-owned mutual fund, funny company, $13 billion. Aerial capital management. You can start an aerial account, mutual funds.

You can start a, what's that company out of New York that we did a investor-biller-rights with, the new company, the sort of cutting-edge. The app, everybody goes on the app. You can't talk about Robin Hood. Robin Hood. Go to Robbinshood. I thought you were trying to stay away from it.

I don't know who you compete with. I'm like, no, no, no. We have them actually an agreement. It's called an investor bill of rights where they've agreed to treat consumers properly and all that stuff. We monitor their business. So go to Robin.

I don't care what you do. Open an account, right? Or you can do fractional investment. Let's say you say you say I only have $25. Okay. Open a fractional investment account and invest $25 a month. So wherever you are, just start

and do safe stuff. Don't do none of this gambling stuff, none of this crypto stuff. That's legit gambling. If you have some money to give away, fine, but don't use your rent money. I want you to do basic, boring stuff. Like I told you earlier, Walmart, Amazon. Waste management.

Apple, yeah, stuff, waste managed, stuff that you know is not going away. What were you about to say? I'd say, what about small business that's starting a lot? No. Investing in small business starting up? No, with all due risk. I'm sorry to say it. That's risky.

So there's three budgets. Living budget, investment budget. Blingin' budget. Monefogers are doing both of them out of the living budget. I'm like, you blinking and investing out of the living! Can I need to live? God damn. Split it up.

You sat on our table? We need some good luck on that. What am I doing? You do with Marco or what? Well, you guys got me excited. The Markle even smart. It wasn't in your pocket. It's right there, but there's right there.

Find you a, get right here. Markle did, I'm going with him. Fuck y'all. All y'all do is sign posters with me. I want to be on the chat. Publishers clearing house. How many posters y'all going to sign with me? Told you.

I told you. That ain't going to lie, boy. I just took all that. Pause, pause, pause, pause. Taking it all in? Yeah, that was crazy. Let's get a flick. Let's get a photo.

Oh, G. Thank you so much. It may look different, but native culture is alive. My name is Nicole Garcia, and on Burn Sage, Burn Bridges, we aim to explore that culture. Somewhere along the way, it turned into this full-fledged award-winning comic shop. That's Dr. Lee Francis IV, who opened the first Native comic bookshop. Explore his story along with many other native stories on the show, Burn Sage, Burn Bridges. Listen to Burn Sage Burn Bridges on the IHeart Radio app, Apple Podcasts, or

wherever you get your podcasts. I'm the homeguard that knows a little bit about everything and everybody. Let me know, Lauren La Rosa. Do you hear that exclusive? Lauren came in high. I came in telling the truth. Every day, I'm bringing you the latest in entertainment, breaking down the headlines you can't stop talking about, and giving you my very unfiltered take on the biggest stories

in the industry. From exclusive news, and y'all know I got it, to us breaking down the interviews, because y'all are my co-hosts now. I'm giving you the deep dives on some of the biggest moments in the world. in pop culture. Oh, my God. Listen to the latest with Lauren the Rosa, weekdays on the IHeart Radio app,

Apple Podcasts, or wherever you get your podcast. Culture eats, strategy for breakfast, right? On a recent episode of Culture Raises Us, I was joined by Belisha Butterfield, media founder, political strategist, and tech powerhouse for a powerful conversation on storytelling, impact, and the intersections of culture and leadership.

I am a free black woman. From the Obama White House to Google to the Grammys, Valicia's Journey is a masterclass in shifting culture and using your voice to spark change. Listen to Culture raises us on the iHeart radio app, Apple Podcasts, or wherever you get your podcasts. I'm Bridget Armstrong, host of the new podcast, The Curse of America's Next Top Model. I've been investigating the real story behind that iconic show. I ended up having anorexia issues, bulimia issues. By talking to the models, the producers, and the people who profited from it all.

We basically sold our souls, and they got rich. If you were so rooting for her and saw her drowning, what did you help her? Listen to the curse of America's Next Top Model on the IHeart Radio app, Apple Podcast, or wherever you get your podcast. This is an IHeart podcast.