The Breakfast Club - Cosmic Kev & Rabu Talk Stability, Life Insurance, Financial Literacy + More

Episode Date: September 30, 2022

Cosmic Kev & Rabu Talk Stability, Life Insurance, Financial Literacy + MoreSee omnystudio.com/listener for privacy information.

Hey guys, I'm Kate Max. You might know me from my popular online series, The Running Interview Show, where I run with celebrities, athletes, entrepreneurs, and more. After those runs, the conversations keep going. That's what my podcast, Post Run High, is all about. It's a chance to sit down with my guests and dive even deeper into their stories, their journeys, and the thoughts that arise once we've hit the pavement together. Listen to Post Run High on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. own? I planted the flag. This is mine. I own this. It's surprisingly easy. 55 gallons of water,

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called Mess, we celebrate all things messy. But the gag is, not everything is a mess. Sometimes it's just living. Yeah, things like J-Lo on her third divorce. Living. Girls trip to Miami. Mess. Breaking up with your girlfriend while on Instagram Live.

Living. It's kind of mess. Yeah. Well, you get it. Got it? Live, love, mess. Listen to Mess with Sydney Washington and Marie Faustin on iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. Daphne Caruana Galizia was a Maltese investigative journalist who on October 16th, 2017, was assassinated.

Crooks Everywhere unearthed the plot to murder a one-woman WikiLeaks. She exposed the culture of crime and corruption that were turning her beloved country into a mafia state. Listen to Crooks Everywhere on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. his club. We got a special guest in the building. Yes, sir. Cosmic Kev! The legend. The mayor. And you got somebody with you, Kev?

The mayor of Philadelphia. The mayor of Philadelphia. That's right. That's right. Call it right. Who you got with you, Kev? I got my man, Rob Boo, from UIGI Social Club. This is my guy. Life changer. You know what I mean? This is my dude. What did you bring Rob Boo up here for, Kev?

What does he provide? What does he provide? He provides a lot of things. He provides financial stability for those who, you know, a lot of people, a lot of times, especially in the DJ community, and I'm going to use an example. The problem that I have with a lot of DJs, they don't even have life insurance. You know, they ride around. They got this. They got that.

And when you're in the prime of your life um you don't you don't think about these things you get in the bag bags coming you know and next you know when the club stop the party stop you're not on the air or if you're in the club you're not even in the club anymore you don't even have life insurance the one thing that really bothers me is when one of the djs when they die something like that um fish fries i can't stand it and stop and it's not even just djs i'll be honest with you no no am i lying oh i thought it was a GoFundMe. GoFundMe. Exactly. No, I hate fish. No, no, listen, listen. Fish fries and GoFundMe. Yeah, yeah, yeah. But I'm saying at the same time, you'll see these dudes, and I'm not hating.

They'll be blinked out. You keep looking at me like I'm talking about you or something. I'm not. Because you're good. I'm all right. I think I'm all right out here. I think I'm okay. I'm just speaking to people in general.

They ride around. They up. And then as soon as they die, they first see the GoF in general. They ride around. They up. And then as soon as they die, they first need to go fund me. That's real. They don't think about financial, you know, putting their own stuff in the ground. And the burden on your family. Yes. And I think that's not fair to them.

And the one thing about my guy here, he creates a lot of ways where you don't have to worry about that. Put yourself in that situation. And that's what he does. And I will say he changed my life. But we're going to get to that. We're going to definitely talk about that. Let's start with Kev. The beginning of Cosmic Kevin.

Who Cosmic Kev is? Cosmic Kevin, of course, you're a Philly legend. The mayor of Philly. Yes. Now, how did you get into DJing and start in your journey? Because people don't understand what you, a lot of people might not know what you mean to this culture. And the longevity of your career, too.

Man, if we start, the interview might be too long. That's all right. We got a little bit of time. Okay. Yeah, I know you guys are real busy. So what it was is I started on on my block there was a guy up the street and this is this is before it's people were even scratching records so this is how long ago this was and i used to play the drums i used to like um used to be in the house and

listen to the radio and play drums and this guy should be he was um he had a pair of turntables so i would go over there he wasn't mixing He would just play one record to the next right I started, you know hanging out with him. It was Brian And then when I started and I'm just trying to skim through it, you know, then um the evolution of Grandmaster flash Rainwater Theatre Guys that was doing the scratching and all that they started doing that So then they grabbed my ear and I wanted to kind of try to learn how to emulate that and get it perfected really well um

got into that was doing that because i come from a turntabeless era a turntable's era is like a jazzy jeff i'm just saying using that name so you can kind of relate scratch jazzy jeff right right so you know at that time that was one of Jazzy Jabs. Right, right. So, you know, at that time, that was one of the things that you definitely had to do to really be on in Philly. Like, Philly, if you weren't doing those things, people didn't care. So I went through that phase, was doing that for a while,

and I was doing mixtapes, but the kind of mixtapes, not the kind of mixtapes that you, Clue, or somebody else was doing. I mean, it was more like block party tapes, house party tapes. Actual scratching. Yeah, that type of thing. And doing that for a long time. And I never really took it serious to go from to making money.

We were doing it to be fun. We had an old crew, Shodder. It sounds a little old. Shodder Grandmasters of Funk. That was my old crew. And we were doing it to have fun back then. So that phase, of course, phased out. You're going into the 90s. I started doing college radio.

I got my first college radio gig, KDU. It's in Drexel University. I was doing that. I was doing another station called Boss 97. And those stations were out in Jersey. They were not in Philadelphia. Well, the one station was in Philadelphia, KDU. Shout out to my man Joe.

So what happened was I had relocated in Jersey for a sec. And a friend of mine, his name is Ahmed Khan, he kept telling me, yo, you need to get back, you know, going back, get back on Philly radio. And then this is like 90 going into 91. So I kept saying, well, man, I don't know. Da-da-da-da-da-da. And what happened was I said, okay, I'm going to try.

So then I went back, you know, I moved back to Philly because I was in Georgia for like three years. Went to Philly. Got with Kobe Cove and that was a fight. Kobe Cove. That was a fight. Like he, we were clashing. He didn't, he didn't want to give me a shot at first,

but I definitely got shot because eventually he did. And then I shot my man Lightfoot from Pull Off a Hair Company because Lightfoot was the one that told him, yo, this guy's dope. Now at this time I'm making mixtapes. In 92 I'm making mixtapes. 92 I'm making mixtapes like I'm in it but I'm making different I'm not making the mixtapes I was making uh in the earlier years so I'm in it all I cared about was really getting on the radio just so I can just say my mixtape

was out I wasn't really trying to do the radio thing. Right. Just trying to promote my mixtape. That's all I cared about. And it went from there. I was doing Kobe's rap show for like a half hour, 1 a.m. to 1.30 a.m. Nobody really heard me, you know. Coffee makers, people at the- We've all been there. Yeah, I know you know. So I was doing that.

And eventually, to kind of speed it up, shout out. There's four people that's responsible for my success. That would be Helen Little. Helen. Salute to Helen. Helen Little. She was here. She was here.

Oh, you saw her? Okay. Yeah, I bowed down. All right. Got to. I got to tell you a funny story about that. We're going to get to that in a second. Well, Helen Little, Colby Helen Little, Lightfoot, and Ken Johnson were really responsible for me getting to the level of success that I've had. So I definitely had to shop them out.

So she was the one that elevated me to go from that 1 a.m. to 1.30 to 8 o'clock to she put me on every night. But I wasn't full-time. I was just a mixer. And Kim was the one that put me on as a full-time air personality, and DJ, you know somewhat what you do and other people. So I got a definitely shout to them. So that's kind of like the skim of what happened. And for me, the funny thing of what happened and for me the

funny thing is and um when i was doing the mixtape you know back then the mixtapes were so competitive i i gotta say this clue really had the mixtape game on smash illuminati hands down no you don't understand so i'm going to tell y'all this funny story so mind you now this is we're talking we're like maybe 94 95 yeah around that time so clue i'm 1995 of course i saw air yeah of course so i'm i'm i'm like my mixtapes are really buzzing in Philly, but then Clue's still knocking everybody out the box. I'm mad because I'm from the turntables era. Like, oh, man, he's not scratching. I'm in that frame of mind. So I went to the store.

It's Ghani Abdul, Uptown Flavor. Shout out to him. I don't know where he is. Uptown Flavor. Yeah, so I went in there. And let's say if I would take in like 40 tapes, so I would come back the following week, it may be 20 tapes in there.

In Clue's section, he may have three tapes in there. So I'm like, yo, why y'all not pushing my stuff? And then so he, I got a shout out to him. He gripped me up, come in the back of the store, and he's Africanrican you know you you hate on him you don't really you hate him you you got to up your style like he get the exclusive he get exclusive and you got to get your exclusives don't get mad because he get

exclusive and mind you i'm mad like oh man but i definitely gotta shout out to him because he made me really look at how the culture had changed. So it made me up my position. And I was coming to New York. I was in all the studios in Philly. I was just getting different stuff from different artists just to try to get myself in a more prominent position. But Clue, like I said, Clue really changed the game. Like he changed the mixtape game. So what did you do?

Is that when you started the come-up show so you could have exclusive freestyle? So let's get into that. So the show was Radioactive. That's the show that Kobe was doing. Kobe was doing Radioactive. Was that The Cave or something? Who? No, that wasn't.

Okay, never mind. Oh, you're talking about Batcave. Batcave. Shout out to Batcave. Shout out to Batcave. Shout out to P-Phone. I'm ruggedness. So Kobe had the show called Radioactive.

That was the rap show. It's like your rap show that was in New York back then. So I was DJing on that show. Kobe had moved up in positioning.

He had became like a music director and then an assistant program director. Then he moved up to the morning show.. Then he moved up to the morning show. So once he moved up to the morning show, that left that spot open. So they said, well, you can't do the morning show and do the rap show. Somebody has to take it.

So at that time, Helen Little, she had offered me Kobe's show, which was it was very was reactive but we had to change the name shout out to my homie partner in crime Q D Z Q D Z I always knew that he was a talent but he was the one that he was really doing the whole thing at the time and I was doing the DJ doing the co-hosting so then we started that and that's when we started bringing up all the artists, like local artists and international artists to come down and freestyle on the show. So that's how the whole freestyle thing came about with me. Like that's where it started right there. I mean not saying I didn't get other freestyles because like I said,

I was in the mixtape thing, but for us branding it and making it as big as I can, it started, that's where it started at, right there. And there's really not an artist who came out of Philly who didn't come through that come-up show, really? You know what? The only artist that I can honestly say that has not did the come-up show freestyle

is Lil Uzi. He's the only one. He's the only one. Because, you know, Uzi, he took a different direction. Yeah, yeah, yeah. And, you know, Uzi, he took a different direction. Yeah, yeah, yeah. And, you know, at one time, there was like a little disagreement between Uzi and Diamond and me.

Yeah, it was like, you know, and we're past that. You know, nothing but love and appreciation for him. But he took a different direction. He wasn't your average Philadelphia artist that came up and burnt the booth down. He wasn't. He was different. And as you can see now, he's different. So that's where pretty much,

he's the only artist that hasn't really done a come-up show. How did y'all navigate the beefs in Philadelphia? Because the thing about Philly is them niggas can really rap, and they really will shoot you. So it's like when you... So when people like Gilly and Beanie and all of them really going at it, how does Cosmic Cab referee that?

Because sometimes they will get mad at you. But not only that, they go to the station and everybody knows where the station is. And they want to air it out. And here you are on the interview. So you want the real truth on that situation? Please. So the real truth on that situation, and I've talked about this a thousand times, but, you know, I got to say this. It's always their side, your side, and the truth.

I'm giving you the truth. So the whole thing, it wasn't planned out when state property and major figures, that's what it was, that wasn't a beef that was planned. We never encouraged people to beef. that wasn't that wasn't a beef that was playing we never we never encourages or encourage people to be but anyway young chris and young neve who's part of state property uh at that time you know they were hot you know and so was major figures so they wanted to come up and do a freestyle i was like yeah come on you know no cool no problem because that's when Can't Stop, Won't Stop was crazy, whatever. They come up. They just started going right at major figures, Woos, Gilly, Bump J, Spado. They just started.

We didn't know they were going to do it. That's like if I get on this mic and I just say, F you, M-E-U, like, where did this come from? You know what I mean? So, you know, we didn't have no knowledge of knowing what was going on. So, of course they were, they was doing what they was doing, spitting when they spit, and then

when they got finished, you know, Gil and all of them called up after they left, and Gil like, yo, you gonna let them come up there and bomb on us and this and that? And we was like, no, we didn't let them do it. We didn't know they were going to do that. So only by fair, we had to let them come back to respond.

Because if we didn't, it would have looked like we were playing. You was taking sides. Taking sides. We were in a bad position. At that time, Rockefeller was all five, so it already looked like. Right. So you get what I'm saying. What do they call that?

Like the equal time or something? Yeah, equal time something. We do that with politics. Yeah, and at that time, people don't know this, and I mean, y'all might know, but originally state property was put together. Major figures were supposed to sign to Rockefeller. I heard that somewhere before.

Yeah, and this is not a shot. Major figures were supposed to sign to Rockefeller. I heard that somewhere before. Yeah. And this is not a shot. If Gil, Bumps, Spade, and all of them would have took that deal that they were offering at the time, you probably would have never been a state property. Wow. Yeah, because they were supposed to take the deal. For whatever contractual reasons it didn't work,

they didn't take the deal. And they sat it out. And then they put state property together. So, of course, you can see it's a little animosity there. Boom. I didn't know that they had a problem. I didn't know that. Nor did QDZ.

So when they, after that happened, of course course we had to let them come back to respond. And then after they responded, someone from, uh, state property got murdered. So, you know, we don't, from the jump, we never really liked doing the beef, but we had at that time, it was like, damn, we don't let them come back. They're going to think. So that's the only reason why we did it. Now, beefing in Philadelphia has been around for centuries. There's a lot of crews that beef that we don't let them come up and do it on our show at the time when QDZ was doing the show.

But you asked me how do we handle it. I just don't allow it. I don't. I've been with. No, you're not coming up on my platform bro i'm not i can't do it like and it's not because of the the situation that transpired it's more of i don't want anybody in my city having problems with each other i just don't i don't condone that and in no no way shape shape of fashion i was gonna ask what what you know for a lot DJs, they don't have longevity, right? There's a handful of them that's been as hot as 94 as they are now.

So how would you tell a DJ, how do you continue with longevity in this industry? You got to change with the times. And I said that when we first started, when you said about the mixtape thing. You can't, you know, somebody may come to me and say that knew me, okay, I want you to get on the tape and scratch up, let's dance to the drummer's beat.

She probably don't even know what that is. Uh-huh, I do, I do. Oh, my bad, my bad. He's a hip-hop head. She just said, don't disrespect me. No. But, you know, a lot of people,

they're like, what is that? What are you talking about? So you have to, I'm not saying you can't keep the art form, art form true to itself, but you gotta be able to change with the times. You can't do like,

I can't come in here and wear gabardine pants and big bifocals. Right. It's like keeping up with technology. You can't be doing things. I mean, you can. You have to know what's going on. I mean, I can, but I won't. You have to know what's going on today.

But I won't. Well, let me ask you this. So I know as far as your finances, right, when did you realize, okay, I got to make sure that I'm prepared? Because like we were talking about earlier, DJs and people in general, just not being prepared for in case there's an emergency, something happens. I know a lot of times people get into financial distress because of it could be medical bills. It could be unexpected situations.

And we all want to be thinking about our future and one day being able to comfortably retire or having our money make money. When did you get into that mindset? What million was it? See, here we go. I didn't say that. You said that. That's the millionaire right here. Anyway, let me tell you what it is. I didn't say that. You said that. That's the millionaire right here. Anyway,

let me tell you what it is. I'm going to be very, very honest with you. I know Charlamagne, he's good for getting people to say what you're going to say. I'm going to say this without saying it. There's a lot of DJs that I saw and see now that

they don't, they living in, they just not living right. All right, all right, all right. Like, they have to DJ, they have to DJ clubs to pay their bills. And I don't mean any, I'm talking about smaller DJs. Like, or they like, yo, because, like, they're they like yo because like they're doing they're trying to do they're trying to do all these clubs and make you know money bigger djs too though i'm sorry that's a bigger dj too right really i don't know but i'm just saying like and i'm being honest

i see it all the time and i saw it and i'm pretty sure that you can relate to this. Back, I say in 2002, I was getting like maybe $1,500 a night in clubs in Philly. Of course, y'all was getting way more money because New York's a different market. But it went from $1,500 a night. Now you can get a DJ for $200. Right. I saw that coming. So I said to myself, I don't want to be in that position where I got

to depend on a club to make the money or to live a decent lifestyle to be able to pay bills and that. My biggest thing is that and life insurance. That's all I care about. That's all I care about. When did you get life insurance?

I got life insurance when I all I care about. When did you get life insurance? I got life insurance when I was 30, maybe one. Okay. Yeah, 31. Because I just did it like five years ago. Why?

I know. I mean, I just... Well, you know what? I know why. Because, you know what I mean? People think when they're up, they don't really think about that. I think for me,

it's because I also don't have kids and I know that's a big thing that people sometimes think about that. Like, it felt more urgent, you know know if i would have had like kids that i wanted to make sure that if something happened to me that they were good but you know it was a learning process for me there's a lot of other things that i've done to try to set myself up for later but that was something that i had to you know figure out last i was late to the party. Yeah, see, for me, it was early.

I bought my life insurance policy when I was 21, 22. Wow. But I also bought my first crib at 22. Right. You know what I mean? So it's also in the knowledge, right? So my parents were always into, the first thing my parents would say,

you got to buy a house. So that always stuck with me. You have to have life insurance. That always stuck with me. So at 21, when i got my first check 21 22 i had life insurance already you know to the point where it's you know immatured the one that i got from my mom matured i think like a couple of years ago and you know i got another one um and i bought my house my first house at 22 so a lot of people were doing this that and the other and spending money to buy cars and jewelry and this any other my and the other, my mom's first thing was, you can do that,

but buy a house first, have a place to stay. Make sure if you do die, your kids will be okay. So every time I purchased a house, what I did was I always got a life insurance policy to take care of that property that if I do die, I know that my kids are good. But then I started making investments and I know that the money works for itself. But that's what I tell everybody. Every DJ out there, if a DJ knows me, the first thing I do is I help them get a house, right? Whether it's Spinking or Hollywood or any of the DJs out there. You put them on blast though. That's my guy. Like I'm the one that got a real to the take him out to get the crib. Cause I'm serious about it. And every time I used to see Spinkin' by a chain or a car or whatever,

Spinkin's my brother, I would yell at him. Yo, bro, what are you doing? Just like Clue would yell at me because we have to hold each other accountable. Clue's my brother. That's your daddy. That's his daddy. I'll take it because he taught me everything about this industry. And that's the same that I try to teach

these other DJs, so I'm glad you're doing the same. It's just all about information because I mean like I've had life insurance for a while like you know my wife got my kid got it but it's just like somebody had to tell us yeah you know I mean that's what I was gonna say now my dad always taught me about credit but he never told me how to get good credit see a lot of times people are misled they don't understand they don't they're not informed you can say oh man you gotta do such and such but you're not telling me how to get that

so where you were but where you were you did your dad mom sit down and tell you how to do no i learned financial literacy in my adult life yeah no that's why i got life insurance at 31 because i wasn't he i mean he always told me about it, but he didn't say the importance of getting it. You know what I mean? Same thing with, like I said, with just being financially stable later in life. And, you know, that's why. I only, yeah, I only got it because I did a podcast with State Farm. And so they did bring somebody up that does like life insurance policies.

And I was like, damn, I need to get some life insurance I can't you know talk about other things and then I don't have everything that I should have together together go Rabu go no I'm sitting here listening I'm listening and learning it's amazing and like you said you gotta use 21 and like you my parents didn't I didn't learn financial literacy until I joined network marketing back in the day a company called prepaid legal services I'm traveling and learning with them and for 20 plus years like when I met my wife and then Sherry shout out to Sherry that's good and I met my wife um I don't have a checkbook not graduated Rutgers with two degrees Wow you know I didn't have a checkbook you know my credit was jacked out cuz my grandmother, may she rest in peace,

when you're in college, you get that credit card. She's like, baby, send me one of them home. So I sent her like four credit cards. My credit was jacked by the time I graduated school. And so when I met my wife, she's like, you don't have a checkbook? I was like, no, I'm going to a check-cashing place. And that's just what it was. I'm from northern New Jersey.

Now I've traveled the world. But in the beginning, it was. I'm from northern New Jersey. Now I've traveled the world, but in the beginning it was real. And so we got life insurance early on because we got it through our job. And then we ended up getting some policies afterwards. And our life insurance is our safe it's not our safe haven. It's a decent policy or whatever, but we make

way more money than that. That'll secure our future and maybe two generations from here if they're not crazy. And so know me and Kev hooked up because I started a little social club just to keep financial literacy fun because a lot of times it's not fun right and when I used to make money and I did okay for myself I would try to put people on teach the financial literacy it go one in and out the other. Because people don't want to talk about money for whatever reason. Until they see the end result.

Absolutely. They don't want to talk about it until they see the house, the car, the jewelry, something else. They'll be like, there's no way that you can make that doing your regular job. And sometimes people feel ashamed, too, if they're not in a good financial space. It's hard to talk about it. If you're embarrassed that you haven't made, you know, better financial decisions or that you just don't know. Absolutely. And the biggest thing is just not knowing.

But you're saying the end result. So Kevin and I hooked up because he has a friend named Sherry. And I started a social club in the middle of a pandemic, May 28, 2020. And I was in sales for so long and i had to travel so much you know i coached basketball with my daughter and i and i subbed at a school just to get back but i was never home and so i said i'm never selling anything again in my life ever and i said if i can't make money on my money i'm not doing it and i'm not knocking people in sales or whatever i love them god bless them whatever you love that's great but when kev hooked up i was like yo man i got this social club it's like 20 000 of us at this point all

around the world and i'm helping people make money through different investments however i never give financial advice ever you know it's against the law so i said kev yo um can i get on the radio you know so on and so forth and i could that'll be more advertisement just to get people to join our group and we don't sell anything so i have no products to sell no services to sell no i don't we don't sell education either we just give it away and so kev you know we connected and then we start doing some concerts we did a concert with jada kiss and jim jones we gave away a brand new Mercedes. And people saw that. Like you said, they saw the end result. It's like, damn, what are y'all doing?

Then we did one with Cardi B recently. That went decent. I started doing stuff with Clear Vision out of Philly. My man Jock from Flo Vaca, he's from Cleveland. We started doing celebrity softball games. We did a big one with Jalen Hurst. We did one with Baker Mayfield. And so I started doing celebrity softball games. We did a big one with Jalen Hurst. We did one with Baker Mayfield. And so I started doing these events so people can see that we're real. Because they believe this. They don't believe the cat that they knew from North. They believe this. And I sponsor these events.

You never make any money by sponsorship. However, we're becoming a household name. So we show people, like, yeah, we find little things that in our social club, you never make any money by call sponsorship however we're becoming a household name so we show people like yeah we find little things that in our social club we're like um we're like a cigar bar or or are you going down and chilling at your spot when you and your friends just kicking it that's all we do and you may come he's like yo man i found a way we can make some money we're gonna run it through the channels if it's legal, you know, we got four feds in our board, you know a judge on our board So if it's legal if it makes sense if it allows our integrity

We're gonna put it out there and people join these little platforms all around the world They make anywhere between we hate to throw numbers but 20 man talk it's all come on man. Stop talking talk sometimes they make 20 to 80 percent a month on their money and it compounds and we've helped people make millions of dollars in the last two years we started two years ago and um it's a lovely thing man like one of my boys he's sitting out there he's a he's a decorated state trooper in new jersey one of the best ones internal affairs and he loves the fact that you know in the next week or so, he'll be able to pay off his mortgage. Right. And so we started doing this while I'm at Cab, I got published in Forbes.

And I came up with this thing called the Robby Guy One-Third Rule. And the reason why I came up with it is because my wife and I was arguing. Because we was broke. We was in foreclosure for years. Because we bid off too much so we could chew. We moved into one of them 5,500 square foot homes in the neighborhood. We couldn't pay for the lights. You know,

because during the time when you could get a mortgage. No money there. No doc. No doc loan. No doc. So that was us. We was young.

You know what I just raised during that time was 17%? Bruh, think about it. Busta Rhymes hooked me up with that guy. It was like, no doc, get it. I got in that shit.

That shit was 17%. Bruh. My credit now is less now than I paid back then which was about what what ten years ago 15 years ago yeah I didn't know we didn't know either we didn't know either and you know we do is our second home could we live in Newark and we got a rebates and all that stuff we got our first home FHA and stuff but this one same thing thing balloon. Thing balloon, bro, we was in foreclosure

for five years. I was DJing Bar Mitzvahs. I was DJing Bar Mitzvahs, not the foreclosure. Mitzvahs, Kinsleyannas, all that. This was, what, 2003? 2005? This was eight for us. Yeah, 2008, bro, that time.

And at the time in Jersey, we paid everything else for the mortgage, and I was like, baby, they come get this bad boy. Because at the time in Jersey we paid everything else for the mortgage now like baby they come get this bad boy because at the time they weren't they weren't taking houses because you know thank God they just wasn't they weren't taking houses so they could be in foreclosure for five years yo back there but back there that's what the market fell right at the time I had three four houses at the time because I was flipping and I got caught with that too. But I was DJing everything. I was like, I ain't losing this shit.

And I'm working everything you could possibly imagine. I co-authored a book. We sold 50,000 copies. I'm trying to get it, but it wasn't enough. And when I started playing with these little investment things, the crypto world started to blow up. And I started to see my friends get destroyed

buying tokens. They're going down, trying to sell them, and they start losing money. And I was like, no, we're not going to do any token stuff either. But what we're going to do, we're going to use the crypto world as currency. But we're not trying to buy something like

you go to Atlantic City, buy something to hold on to it and hopefully it appreciates. Which, that's not knocking it. But, bro, what started to happen is, you know, I put Kevin on the platforms. And Kevin will tell you right now, like, and I know name drop, because you're not supposed to do that. He gets shout out to everybody.

I don't name drop. But you could. It's A-list artists and athletes that play with us. But we started with cats like Camden for New Jersey. Camden, New Jersey. So once I started getting on and we started educating people on how to do this simple, I said, I called two of my boys in Camden. And I get excited when I talk about this.

I called two of my boys in Camden and I said, yo, I'm going to put y'all on, y'all take it to the streets. Camden don't even have a police force anymore. They're climbing some of the lowest that they've ever had. Yeah, I remember that was a huge story. Camden don't even have a police force anymore. Their crime is some of the lowest that they've ever had. Camden don't have a police force? No, they have sheriffs now. They don't even have a police force. But the crime is so low because everybody

eating. Oh, I didn't know that. Okay. When Cass is eating, they ain't busting people over the head. That is a fact. And that's why I don't understand when people have these conversations about police reform. When we have these conversations about defunding the police, that's what they're saying saying let's take some of these billions of dollars y'all are putting in police forces and put them in the community provide resources provide resources yeah if i get to build trade schools teach people to trade like right exactly and so

what we started to do because traditionally and i'm african-american traditionally for african-americans we don't learn the investment game until it's late if we learn it at all. Right. And so we had to be real soft about it because, again, you don't want to tell people to put their money. But what we started to do, we start helping people make so much money and we start buying them these rings. You get a $13,000 ring when you make money for you and your family. You don't have to sell anything. You don't have to show up for anything.

You make your money and your family start making money. You show me what you've done, and we reward you with this ring. So all these people start getting these rings, and everybody else is like, I want the ring. Just show me stuff. We have hundreds of people right now

with this ring on their finger, and when I put out the one-third rule, and I'll stop after this, what have you, when I put out the one-third rule, my wife and I was arguing. Because being in foreclosure and not having any money, when you start making some money, she won't pay anything in the savings account

because she's thinking this might happen again. I was like, babe, we can't pay anything in the savings account. We got to make it make money for us. So I said, let's come to an agreement. I said, whatever we make, we'll take a third of it and pay debt. So we paid our mortgage off, student loans, credit cards, everything gone. Then we'll take another third, reinvest it. We'll take that last third, cut it in half, put 50 cents aside for taxes.

And the other third, go shop. Have you some instant gratification. That has changed the lives of over 300,000 people. Our folks don't have any car notes. They don't have any mortgages. They don't have any car notes. They don't have any mortgages. They don't have any credit cards. They're making money. And so me and Kev was talking.

He's like, yo, the industry cats need to hear this because people love what they do. Y'all love what y'all do. I know y'all love what y'all do. But sometimes you want to get off the elevator. Or you want to be able to get off the elevator at one time and not have to work forever. And so that's what we do.

We play a little small investments. Some are very conservative, and it's killing the game. But we do mortgage notes. We do Amazon stores. We do Forex. We do crypto. We keep it all spread out because if an industry falls and we only invest in one thing, we all dead.

Diversity. Hold on, Paul. I'm sorry I have to exit but Kev I need you to come up here by yourself Rob. I love what you don't Like that Care about we I want you to come up here by yourself. So we can have a different conversation another time, but Rob boo. Thank you Thank you, bro But for people that want want to get involved, give them the information so they can definitely check it out.

It's UIGISCmedia.com. UIGI. UIGI. What does that stand for? UIGI. UIGI Social Club. So it's UIGISCmedia.com. Okay.

UIGISCmedia.com. What. UIGISCmedia.com. You want to know what UIGI stands for? Yeah, what does that stand for? United Investment Group International. It stands for United Investment Group International, but we removed the word investment, again, by advice from our attorneys. Okay.

We don't give investment advice. Exactly. At all. At all. Well, we appreciate you guys for coming back. And Kev, like you said, we got to get you back up here because I really want to get into what you do as a DJ, right? And the reason I say that is a lot of times we don't appreciate the DJ, right?

Oh, all the time. And especially DJs who've had their foot in this game for a long time. And there's not too many that are still on radio. Right. Whether it's you, the guy down the corner, the frontmaster Flex, or Felly Fell, or Greg Street. We don't appreciate those guys enough because you guys had a huge influence

on not just younger kids, but also, you know, DJs that are making it. You know what I mean? Because if it wasn't for you, if it wasn't for Flex, if it wasn't for Greg Street, there would be no me.

And I mean, I grew up listening to you guys. I grew up, you know, respecting you guys. You guys have had me on your show and, you know, you guys continue to give me advice on different things. I still got my MV vinyl, by the way. But that's not.

You still got mine right there. You still got mine right there. I still got mine. I still got mine. And, you know, we always appreciate that because a lot of times we don't. And I'm glad you're doing this for people in the industry because I do this for the DJs because I'll be honest with you. I really don't give a fuck about too many people but the DJs because I'll be honest with you. I really don't give a fuck about too many people

but the DJs. And the reason is I noticed how hard it was, how difficult it is, how, you know, Kev could DJ a party, you know, back in the day and it'd be 4,000 people

and then they'd try to say here's $1,000. You know what I mean? And I really encourage DJs and even Angela Yee, we both encourage people to own their own. You know what I mean?

So it's like, you know, that's why I started my own car show. I pay for everything. Houston Car Show was $162,000 for me to do, but I did it. I was going to come to yours, but God has blessed us. We got a couple of Lambos. Yeah, yeah, yeah.

And my boy Reg from BBS Boys. Okay. That's my man. That's the homie. He's like, yo, come to the thing. But we had an event at my house in Doughboy. DJ Doughboy. Yeah, yeah, yeah.

He DJ'd my party, so. At the Doughboy. Yeah. But so, you know, I always encourage people to, you know,, and Doughboy, DJ Doughboy, he DJ'd my party. After Doughboy. Yeah. But, you know, I always encourage people to, you know, cars and jewelry is good, but we have to start keeping our own. And, you know, and that's why I'm always great, and I always, like with Camilla, who owns his own couple of restaurants. I love it.

With Self, that owns his own restaurant. You know, Angelique owns a hair store, a coffee shop, a juice bar. I have a credit building platform, too, called Stellar 5. A bunch of that. So it's like I encourage that so much, and we try to promote that. And I love to see DJs doing it, whether it's Quicksilver with the DJ Academy or so many different DJs with so many different things. I don't want to not mention one of them, but I really encourage it.

So I like to see it because I appreciate what you guys are doing. And we'll see you next time on the come up. No, we'll see you next time. We'll see you next time. So we can talk more about, you know, your influence on this game. Definitely. All right.

Well, it's the Breakfast Club. It's Cosmic Kev. Rob O'Gary. Did I say it right? Yes, sir. It's the Breakfast Club. Good morning. had enough of this country ever dreamt about starting your own? I planted the flag. This is mine.

I own this. It's surprisingly easy. 55 gallons of water, 500 pounds of concrete. Or maybe not. No country willingly gives up their territory. Oh my God. What is that? Bullets.

Listen to Escape from Zakistan. We need help! That's Escape from Zakistan. Escape from Z-A-Q-istan. On the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. Hey guys, I'm Kate Max. You might know me from my popular online series, The Running Interview Show, where I run with celebrities, athletes, entrepreneurs, and more. After those runs, the conversations keep keep going that's what my podcast post run high is all about it's a chance to sit down with my guests and dive even deeper into

their stories their journeys and the thoughts that arise once we've hit the pavement together listen to post run high on the iheart Apple Podcasts, or wherever you get your podcasts. As a kid, I really do remember having these dreams and visions, but you just don't know what is going to come for you. Alicia shares her wisdom on growth, gratitude, and the power of love. I forgive myself. It's okay. Have grace with yourself.

You're trying your best and you you're gonna figure out the rhythm of this thing. Alicia Keys like you've never heard her before. Listen to On Purpose with Jay Shetty on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. And we'd like you to join us each week for our show, Civic Cipher. That's right. We discuss social issues, especially those that affect black and brown people, but in a way that informs and empowers all people. We discuss everything from prejudice to politics to police violence.

And we try to give you the tools to create positive change in your home, workplace and social circle. We're going to learn how to become better allies to each other. So join us each Saturday for Civic Cipher on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. Daphne Caruana Galizia was a Maltese investigative journalist who on October 16th, 2017, was assassinated. Crooks Everywhere unearths the plot to murder a one-woman WikiLeaks. She exposed the culture of crime and corruption that were turning her beloved country into a mafia state. Listen to Crooks everywhere on the iHeartRadio app, Apple Podcasts or wherever you get your podcasts.