The Breakfast Club - Earn Your Leisure & Matt Garland Talk Home Investments, Agriculture, Bear Markets, InvestFest + More

Episode Date: July 13, 2022

Earn Your Leisure & Matt Garland Talk Home Investments, Agriculture, Bear Markets, InvestFest + More catch The Breakfast Club EVERY MORNINGSee omnystudio.com/listener for privacy information.

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Hey, y'all. Niminy here. I'm the host of a brand new history podcast for kids and families called Historical Records. Executive produced by Questlove, The Story Pirates, and John Glickman, Historical Records brings history to life through hip-hop. Each episode is about a different inspiring figure from history. Like this one about Claudette Colvin, a 15-year-old girl in Alabama who refused to give up her seat on the city bus nine whole months before Rosa Parks did the same thing. Check it.

And it began with me. Did you know, did you know? I wouldn't give up my seat. Nine months before Rosa, it was called a moment. Get the kids in your life excited about history by tuning in to Historical Records. Because in order to make history, you have to make some noise. Listen to Historical Records on the iHeartRadio app,

Apple Podcasts, or wherever you get your podcasts. Wake that ass up. In the morning. The Breakfast Club. Morning, everybody. It's DJ Envy, Angela Yee, Charlamagne Tha God.

We are The Breakfast Club. We got some special guests joining us today. We got Rashad and Troy in the building. Morning everybody is DJ envy Angela ye Charlamagne the guy we are the breakfast club We got some special guests joining us today. We got Rashad and Troy in the building earn your leisure Matt the mortgage guy. What's go want you to go on this show. She always chokes. I thought this whole financial emergency thing was all a movement. I thought everybody was together. Wow.

Totally messing around. Totally messing around. Like, damn. You know, he's from Jersey now. So you know what I'm saying? So I don't know if I'm messing with the judge guys. Queens. Queens to the good.

You had some little long ass. No, but every time I speak to Matt morning yesterday my daughter's buying a condo in I don't know what you're talking about, buddy. I can get rid of the tension. But honestly, Matt has helped a lot of people in this industry. Artists, rappers, R&B singers, activists, actors, actresses. A lot of people. Earn your leisure. Earn your leisure. Now, for people that don't know, he's the go-to person for getting their mortgage.

So if there's something wrong or there's a key that they don't have, a lot of banks won't take people, but he's able to help people fix their stuff so he can actually get them loans. So I always call Matt first. What's the sauce, Matt? Tell him. What's the sauce? The sauce is just being true and honest. You know what I'm saying?

And moving in silence. Like he says, a lot of people I help, but you don't see it on my gram. You know, I think that's first and foremost. You know, I'm not out here to spread anybody's business or anything like that. My first and foremost goal is to help people achieve their real estate goals and being their go-to source because real estate wasn't taught

in our communities growing up. Half of the people that we all follow and we buy their music and things of that nature, when we really speak to them, they have no clue about real estate and financing at that. So I just want to be able to provide that information give them the real information and ultimately help them get to the closing table and that's gonna help them build wealth so the source for me is just being honest and open you know I mean and be connected a couple years ago and I told him like I didn't want to speak at the seminar they'll tell you like I told him no several times like I just want to be at

the table and talk to the people mm- um and he kind of forced me to speak and i'm glad he did because now you know i'm on breakfast club four times now because of him forcing me and me stepping outside of my comfort zone i only fought matt one time one time twice i was fired twice what happened with matt was you know when the whole thing took off when we started doing the seminars, it helped a lot of people in their business. It helped the credit dude, Jose, and it helped Matt. And Matt posted one time that he was getting so many people, he was like,

it was like, I think like June. And he was like, I'm just putting out this text, he was like, I can't talk to nobody until January. So, mortgage advice, I'll talk to you in January. Now this is seven, eight months, and I'm like, bro, what are you doing? I'm like, this is what you pray for. You want this type of business, and now you're shunning people off.

So I cursed him out. And I was like, what am I doing? I'm the only person. I said, hire people. That's what business is about. Find the right people and hire people. And we yelled at each other. Yeah, you know what?

Because I look at it like a therapist kind of, right? Like when a therapist can't take on more clients, they just can't take on more clients. Yeah, look, you're only one person, and my business wasn't built for social media. My business was built. I've been doing mortgages for 20 years. It was built for real estate agents in my book of business.

So you don't need 10 people on your staff to kind of handle that business. That's real. Now when you get into social media, I remember one of the first times I spoke to Envy, he said, once I tag you, I hope you're ready. Because your life is going to change forever. I didn't know what the hell he was talking about at that time. When I say tag, you tag. You didn't watch out. I didn't say nothing.

I didn't say nothing. Like, come on, bro. Tag in the post. You're right. I'm not judging nobody. I see the pause button about to be activated. You're saying, are you ready? I didn't tag you. Are you ready? I ain't ready for this. I see the pause button about to be activated. The same exit is going. You're tagging him.

You're tagging him. You're tagging him. You're tagging him. Tag on the post. Nothing will ever be the same. And nothing will ever be the same. But he was right because my DMs and everything just started going crazy. What the hell is going on?

So you get overwhelmed. Like it's natural as a business person when you step into something new. You're not trained for this stuff right no one trains you to be a social media influencer and to answer a thousand questions it's like damn what the hell how do i do this but our community never had anybody that looked like us that did it so i knew once you were able to help people people have they only have very few people they can flock to and ask questions to yeah and somebody that's good and that's gonna charge them hey if they got a question, you're going to charge them $10,000 for a question? No. That's your job.

You want to get people loans. That's part of what you do. And I knew that was going to happen. So when you put, I'll talk to you in eight months, I'm like, nah, you need to reevaluate your company and hire more people and figure it out. And you did. And that's what I did. What was the second fight? The second fight.

What was the second fight? I second fight. What was the second fight? I wasn't far off the mark. Angelina was right. I didn't know. There was no contact. I really didn't know any of this. I really was kidding. He was pressuring me to step into my greatness, right?

Don't back away from what you prayed for, like he just said. Be careful what you pray for in life because it will come to you not on your time but in God's time. And at that time, I didn't realize, like, yo, this is what I was praying for. But sometimes you need a vessel, you need a voice to be able to tell that to you. And then when I sat back and thought about it, literally two days later, I said, you know what, bro, you were right. That's right. I said, I got to expand. And I think as business owners, sometimes one of the biggest mistakes that any business owner makes, no matter what field you're in, we kind of want to still be mom and pop and want to hold on to everything and not delegate because we're afraid of investing into ourselves.

And you have to take that risk by investing to yourself, investing to your business to expand and scale and let loose and delegate at a high level. So for me, that's what I had to learn. And that was a lesson that was taught. And now, you know, it's taken off and, you know, we're here now. And that brings us right to InvestFest. Yes. Tell us about that. The biggest.

The biggest. And congrats. I see y'all got Tyler Perry on board. You know how that go. You know how that go. Shout out to Steve Harvey for making that happen. Man, Steve loves y'all. I was having lunch with Steve one day, man. You know how that go. You know how that go. Let's go. Shout out to Steve Harvey for making that happen. Shout out to Steve Harvey. Man, Steve loves y'all.

I was having lunch with Steve one day, man, and it was like right after y'all did the first interview with him, and like literally all he was talking about was earn your leisure. That's dope. Like literally. He's one of these people that honestly, like everything that you think somebody would be, he is that person and more.

Like funny, down to earth, street dude. Get in the niggas. Get in the niggas. I got to get to you too. So most people don't know this, but it was a Black Effect connection. So shout out to Black Effect. Because the first person that y'all put us in contact with

was Nicole Spence. And Nicole hit me last summer. Like, hey, there's an interview out there that I might be able to get for y'all if you're interested. And I'm like, who is it? She said, Steve Harvey. I'm like, what do you mean if i'm interested of course we're going to do it we'll take it of course and so that led to us meeting to be stevens childhood to be who's the plug one of steve harvey's uh right hand businessman and so that led to the relationship but how we not had nicole from black effect you know we probably don't even meet me on the cold go harvey y'all because of the Jamaican connection. Oh, we know that.

We know that for sure. So for people that don't know what InvestFest is, break down what InvestFest is, when it is, and what can people get out of it. Yeah, so InvestFest, you know, you always hear about these music festivals all the time. Coachella, Made in America, Roots Picnic. And, you know, just thinking last year,

we was like brainstorming and I'm like, all right, let's not do a conference. Let's not do a conference let's not do a seminar let's do a festival and like what do you mean I'm like a financial literacy festival like what do you mean it doesn't even make sense I'm like why not and they like well that doesn't happen I'm like well who says they can't happen so I'm like all right now let's reverse engineer it so let's take the best things that festivals have food trucks food experiences we added that musical performances we added that a vip like exclusive situation we added that live podcast and but all blended together with education business and finance so last year was the first year in atlanta we have 4 000 people and this year we scaled up

and we're looking at like 11,000 people in Atlanta over a three day weekend. So for us it's all about just stepping out of the realm of what's normal.

And everything that we do has really never been done so we get to make history every single time we do anything. So it's like, you know, of course we got

Charlamagne Tha God is going to be there. DJ Envy, his partner Cesar, our guy 19 Keys, in Dunlap Wall Street Trapper Matt, but we also have people like Dan Cathy who not a lot of people know but he's the former CEO of Chick-fil-a He's worth seven billion dollars. Sunday is a billionaire day. Eric Thomas, one of the top motivational speakers ever.

We got my brother Terrence J., Kenny Burns. Shout out to Terrence J. And then, you know, we just wanted to just take it over the top. I was always taught when you up by 30 points, win by 50. So it's like Tyler Perry had to drop that bomb. Like, when's the last time you ever heard him speak publicly or speak about business and this is the guy that got a landing strip literally at his house 330 acres he built his own Hollywood in Atlanta so I mean it's going to be an experience

like none other and um you know for us it's just automatically just going bigger and bigger and bigger every single time it's like you know to take it to places that nobody could even imagine like you know and then like the vendor marketplace we have 285 vendors to kind of like how essence fest so when you go there you're gonna have a dj you're gonna have vendors small businesses so you know we talk about group economics like we really live it like it's not just a thing so we put up our own money we funded it ourselves we you know got the venue we booked everything ourselves. This is us. So it's like Jim, shout out to Jim Jones. He came last year, and he was like, yo, this is real black excellence.

He was like, everybody talk about black excellence. This is real black excellence. This is dope just to see it in person. Because you always see these, and shout out to Envy. He do his events by himself. But a lot of these events, and it's no disrespect, but it's major corporations, live nations's putting it together, and they just put the artist's name on it. But it's not

the artists don't really have no idea what's going on with the business back end. Live Nation is running it. But for us, everything that we do, we're independent. Shout out to Dame Dash. He will be there. That's a fact. Shout out to my brother Dame. So everything we do is independent, so it's like we can't just talk about something.

We actually gotta be about it. I mentioned Ross. Rick Ross. T.I. Rick Ross. Shout out to my brother, Tip. Thank you for mentioning that. Shout out to my brother, Ross. Yeah. And another thing is that we wanted to be very intentional, right? Like, obviously... Shout out to Sus Greenbergs in here.

We wanted to be very intentional about making sure that everybody was being celebrated. Like, when we thought about the name, me and Charlie was going back and forth, Matt was going back and forth, Mike, we were coming up with the name, and we didn't want to have Ernie and EJ in part of it. We knew that, obviously, people knew that we were putting it together, but it wasn't about us. It was about bringing the community together and highlighting so much talent. And so when we see Coachella, we really don't know who the CEO is if we don't look it up. We know Jay does Made in America, but his name ain't on the bill, right? Roots Picnic. We've seen them do it, but

who's the business behind it? We wanted to make sure that everybody could celebrate, so InvestFest has now become the place where it's like, if you have a business, you have to be there. If you're an entertainer, you need to be there. If you have a tech startup, you should be in the building. Like we said, we got

three billionaires on Sunday. Where do you see that? It's going to go crazy. It becomes a place that you have to be. Kind of like how Essence Fest was and still is. We want to do that for business. I want to ask y'all a question because Gilly the Kid had some things to say about Ross the other day.

He said something. He was like, why would you buy a cow? Now I'm from the country so I understand investing in livestock. Could y'all just explain why that is a good investment? First, shout-out to Million Dollar for Game, Gillian Wilder. My guys, love you. And shout-out to Ross. We're friends.

Both were neutral in that situation, but I think he was a little misguided in his statement because one of my friends, Wall Street Trapper, actually was intricate, and shout-out to Keanu Watson, her husband. It was actually a bull. But it's a misguided statement because, you know, Rick Ross, he has a hundred-something acres, and agriculture is real big.

And it's something that we don't really fully understand or appreciate in our community. And it's like, we're consumers a lot of times, right? And we eat food. Everybody eats food, but we never think about who's actually making money off of this. So it's like when Jay Prince has a ranch and he has hundreds of cows and making $700,000 a year off of hay.

You know what I'm saying? These are things that, especially coming up in urban environments, the city like Philly and New York, we never think of that. But that is something that we need to get more into. So I actually applaud Rick Ross for doing that and for showing it. Right. Because, you know, Ross is one of these people that always shows love to the entrepreneurs, the young entrepreneurs like us. Like he does a lot of stuff behind the scenes and shows a lot of love and is genuine. So I think that that was a learning opportunity. And hopefully more people can actually, you you know take farming and agriculture serious

because we need more black farmers like you from south carolina you understand that and um you know there was a point where there was a lot of black farmers and now there's hardly any black farmers and it's like you know even like with minister farrakhan said like you can't control your food then that's like one of the most essential things in life right so it's like we always have diabetes high blood pressure all of that but a lot of that is coming through the food that we're eating, and a lot of the reason is that we're not controlling the food. So we just are getting foods

with chemicals, and you know, there's not slaughtering the animals correctly, so shout out to Ross, man. Shout out to Ross. I think it was taken out of context. I mean, because when people see Ross, it's like, one week you see him doing the Jamaican stomp, and now he's doing the cows, and it's like, nah, he's actually actually a great businessman and he has great people around him and advise him as far as investment he's telling you about that yeah that's a tax write-off number one but even

from an investment standpoint in the market like we know that a recession is here we know that food prices are rising well we're going to eat right like that's one thing we're going to do during the recession so why wouldn't we invest in agriculture? Matt, I'll tell you this. If you have agriculture on your property, your taxes probably go from $250,000 a year to $5,000 a year. Absolutely. It's a tax right off. The agriculture that you have.

So I'm sure with Ross's mind frame, that's probably why he's doing that. That's exactly why he's doing that. But look at the promise land. Look how big it is. Like why wouldn't you have it there? You know, you have the space for it, and then you get the tax benefit of being a business owner because that's what the tax code is made for us.

It's there to help business owners and real estate investors, right? So why not take full advantage of it? Because I'm about to put some roosters in my bag. Everything y'all saying is true, and I'm glad Rashad touched on the Minister Farrakhan aspect of it because with all of these food shortages happening, you're going to want to have some livestock you're going to want

to know how to grow your own food on your property so yes that's why you buy a cow so let me ask you a question there was a I seen a clip

that you posted here we go which one which one which one which one don't look at me the one that

somebody here set you up on I did not. Who do you speak of? Lip service is a dangerous show, bro. She warned us. So what happened on lip service? Okay, first of all,

let's be clear. I just want to say, okay. Angela's a friend of the show. Yes. So we were at BET weekend. Yes. BET Awards weekend for the first time.

They had podcasts in the radio room. There was four of us. They were sitting right next to me, next to lip service. And I just want to say, Rashad and Joy have always said they want to do lip service. When are y'all going to invite me on, invite us on? We want to do it.

And I was like, you know, y'all sure you want to do it? Can you handle it? They said they could handle it. Whatever. Troy kept his cool. Exactly. Shadi chose violence that day. Now, Rashad told the truth

but his truth was not accepted the way he anticipated so he posted a clip and took it down he got you taking it down what happened what was the clip it was about you know I tried to tie in relationships and finances

and I was asking him if you go on a first date how much did you spend on a first date, how much did you spend on a first date? And how much did you say? Let me get a full context of it. This is a big platform. So what I was saying is this, right? First, they asked me. I wasn't going to bring this up.

She asked him. They be always starting to pot. They asked me what I'm doing personally in my life at this point in time. So I never said this is what all men should do. This is what you have to do. This is the mandate. So I say, you know, I think $300 is a reasonable amount of money to spend on a first date. Now, keep into consideration,

we're in New York City, right? It's going to cost $50 just to park your car. You go to a restaurant like STK or Brooklyn Chop House or whatever, you get a couple drinks, a couple martinis, order a meal, appetizer, you're almost at $250. Then you give

a tip. And then you actually, if the date's going good, you might go to the hookah lounge a little later. You know what I'm saying? So I don't think that, I was like $300 to $500. That might sound like a lot. I understand that it's sensitive times. It's a recession. But it's also a reality.

Right. It's just a harsh reality of life. It's your reality. It's my reality. But then I think it just kept going from there. Yeah. You know, it's one of these things. Then he was like, well, what about if she wants some shots?

He was like, sure. Shots in 1942, I said. $40 shots. Then he said, what about if her friends her friends now let me explain that so let me explain that so that was the one that triggered a lot of people so she said she said what if her friends come do you pay for the friends and I'm like yeah so a I've never been on a date ever in life where somebody's brought their friends to a dinner. So I don't think that's wrong. What I was referring to was like... You said it's vibes. Well, what I was referring to... What I was referring to is that if you out, right?

And, you know, you might go to dinner or whatever and then it's like, all right, let's go to a club. I'm having a good time. Let's go to a lounge. All right, you go to a lounge. Her friend is at the lounge.

It's like, yo, all right, what are we drinking? I'm not going to be the guy that's like, I need $20 from you. I need $15 from you. Let's add it up. You, what are we drinking? I'm not going to be the guy that's like, I need $20 from you. I need $15 from you. Let's add it up. And Rashad always does pay.

Try it, Rashad. If you go out with them. Do you want to say any tricks? What did you say? I'm trying to say that it's very nice. They don't have to. But, you know, they respect. Rest in peace to Kevin Samuels.

And then he posted a Kevin Samuel post. He took his post down and posted Kevin Samuel. Because there was nothing that he could say because he's the godfather for that whole movement. So when he was like, he was like, it's up to us men to do better research before we take women on date. So if you think a girl is a date scammer, I didn't know there was a whole culture. A dinner scammer. A dinner scammer, yeah. Then that's your fault for getting scammed for dinner.

Like, you know what I'm saying you you should already have done your research before you taking a girl out to eat what's a dinner scammer who's going to dinner just to eat i want a nice meal i'm trying to figure out why people was mad because they can't afford to do it basically we're still trying to figure it out people was mad cuz they can't afford to do I'm glad you said that cuz that's a common misconception where it's like a they're like yo times have changed I was a financial advisor before this Is that you can hear it? We can hear it? Oh?

Like we're crazy i was a financial advisor so sometimes people think like just because you get on the internet like you was homeless like now seriously like i already had money before this like seriously like so it was like my first car was it was an infinity then it was a BMW I'm being honest I can only I can only say like what I'm gonna do lie to you I'm being honest with you right so it's like I already had money before this so I've been had $300 days before earlier I'm just being honest so it's like sometimes they look at it like they have a perception of you like yo you gotta be financially food. That's why I was no like movies with the Applebee's discount. No, it was never that That's why it's assets over liabilities because it was never I'm not an extreme person

I always was in the fashion my whole entire life. Like I always would like like nice things my whole entire life So always like like nice things my whole entire life is that Sergio Ticini you have on it yes it is um so so i think don't act like that i spoke to 19 keys about that because he did the BET and people was in his comments like, damn, you sold, because, you know, people look at him like black power. Like you sold out. You're speaking to the enemy. I'm like, he's speaking to artists. Like, yeah, yeah. Y'all put people in a box and think like this is who they are.

Like, no, that's not. And then complain when black people don't have proper representation. Well, we don't have proper representation on TV. But then when there's 19 Keys there, why are you doing that? You're selling out. What do you want? Exactly. So it's like, I think well, we don't have proper representation on TV, but then when there's 19 keys there, well, why are you doing that? You're selling out. What do you want? Exactly. So it's like,

I think it's important for us to just be ourselves. And me, Troy, Matt, we just regular people like, who act their wage. Exactly.

Just act your wage. That's what I get from all of this. Just act your wage. You don't got to be extremist. I was just mad you took the clip down. It was fine. It was good promotion for a lip service. I told you it was going to be good. I said, when we go on there, it's going to be great.

Now they got to invite us to the leather couch. Well, I can't wait until you guys come on the messed up leather couch. Leather couches. Yes. Can't wait. Looking forward to it, man. What else is going on in this world as far as investment? I see interest rates going high.

I see crypto down. Talk about real estate, man. Stocks. What's going on? Where should people put their money? Should they park? Should they park? Should they wait? What do y'all suggest?

Look, I think one of the best investments of all time will always be real estate. You can't go wrong. If the stock market goes up, down, left, or right, if the housing market goes up, down, left, and right, your property doesn't disappear. You can still go and touch it. Equity is monopoly money. This is something I've been saying for years, even before I came on the internet. So if you're out here banking on

the appreciation of a property, then you could be setting yourself up for failure because if the market changes and you're depending on that, you're SOL. You're shit out of luck, basically. So if you're looking to buy a primary residence right now, I think you have to kind of be mindful of what you

can really afford because a bank will always can approve you, but doesn't mean you can afford that mortgage. And this is something I've been saying, even when rates were in the mid 2%, right? Don't approve, eligibility and affordability is two different things. So if you're looking to buy a house in today's market, look, you got to have reserves. You got to prepare for any expenses that might come up. If you're looking to buy rental properties, even if you're going to live in a property, tenants ain't guaranteed to pay you anything. Right. So you got to make sure you can afford to buy that property and maintain it. I think this is going to be the greatest opportunity even past the pandemic era for real estate investors, because right now there's a lot of fear in the news. Everything you see right now when it comes to real estate is fear.

But what did Warren Buffett say? He said, when people are being fearful, be greedy. Right? So this is the time that investors will be able to go out there and really build up a nice portfolio, even with interest rates going higher, because the demand of the regular everyday home buyer, they're going to sit on the sidelines because they're going to sit there and wait for the market, right? And you can't time the market. You can't. You can't. My real estate attorney definitely told me, he was like, Angela, just wait a minute before you buy anything else right now. Yeah. I mean, but you're established,

right? You're in a position where you can afford to be patient. You don't really have to go out here and just say, I'm going to buy real estate just to buy real estate, right? You're in a position you can do that because you already own. But I think for the first time investor or the person who may have one or two properties and you continue to look and to grow, this is your time right now. Because if you look at all the stats that's coming out, homebuyers are taking the backseat right now. They can't afford these 6% interest rates, which soon will be 7%. I mean, you can get in the 7% rate right now if you got a low 600 credit score, right? If you have high credit scores right now, you're mid to high fives right now on a 30-year mortgage. So a lot of people are going to take a step back from that. What does

that do? That leaves opportunity for the investors. You're going to see more institutional money hit the streets. You're going to see more foreign money hit the streets. Why? Because people are going to rent. And look what's up in stock right now. Rent. The average rent is over $2,000 nationwide right now. Sky high right now. And that's going to continue to go up. Like, when was the last time you seen rent declining?

No, never. Never. During the pandemic. Early on the pandemic, it did fall. In New York City. In New York City. But that was a unicorn type of situation, right? Unless COVID-2023 comes out, right?

Let's hope not. I feel like they're forcing people to purchase homes because we rent so high. Like, I was called back. My daughter's actually buying something. I called Matt, and the reason I was forced to do it is because her rent shot up $500 a month. And I was

surprised that they could do it. And everybody's telling me that their rent is shooting up. And I know, you know, me owning a couple of places, you know, the rent goes up, but not to this rate. But it's ridiculous where you have to buy because it's costing you

more to rent. Well, let me ask you this. I put a post on Instagram the other day. I don't know if you saw it. In the UK, they're rolling out 50-year mortgages.

I think that's good. You think that's a good idea? I think that's good. They used to have that back in the day during the wild cowboy days. There was 40-year mortgages, 50-year mortgages. I think that's good. I wish they's a good idea? I think that's good. They used to have that back in the day, during the wild cowboy days. There was 40-year mortgages, 50-year mortgages, hell. I think that's good. I wish they

gave me a 100-year mortgage. I'll put all my profits in a 100-year mortgage. You know what's crazy? I hate a long mortgage because I hate paying all that interest up front. Well, yes, it is going to be more expensive on the long run, but if you're looking about affordability, you have to spread that out a little bit more, especially with higher interest rates,

but you can always prepay your principal balance to kind of yeah that's what i said yeah yeah but i think a lot of people do that like you said some people can't afford it but also people like to move their money around they know that they can if it's a 50-year mortgage let's say let's say your mortgage is three grand if it's a 50-year mortgage your mortgage is now six 1700 yeah you have that other 1300 to move and try to shake and invest in something else that's going to pay that full mortgage. That's what people should do. And a lot of people do that.

It's something mentally for me when I look at my mortgage breakdown and I see that like... Yeah. I can't stand seeing that when I see it. I just saw it. Let's just say it was $1,000

and $950 is going towards interest and $50 is going towards the principal. And you're like, damn, I'm just spending all this. It bothers me mentally. And I know that people think differently the principal. And you're like, damn, I'm just spending all this. It bothers me mentally. And I know that people think differently about it. But for some reason in my head, I'm like, I hate paying all this interest. That's not going toward, you know, but I understand the affordability aspect.

But that comes with discipline also to prepay your mortgage, right? Because like what you just said, you have that surplus of capital now. And the smart thing should be to invest it into something else where you can have an overflow. But most people know they're going to go to the Gucci store. They're going to go to Dubai. They're going to go on vacation. The average person, that's what they're going to do. Instead of having a discipline, say, you know what? I'm going to put this savings and pay down my principal balance. So even if you get a 30-year mortgage, I tell people all the time, don't worry about the term, right? Come up with a plan, an exit strategy. I think in everything in life, you need an exit strategy in business and investments and especially real estate of

when you want to get out of that mortgage. So if your goal is, especially if you're buying in your forties, you know, you're going to retire at 60. You could take a 30 year mortgage, but you should have a plan of action and it's simple the tools are online immunization calculator where you can say if I put my tax returns on that refund every single year or if you're like if I put an additional $200 toward my principal every month one extra payment can knock you down your mortgage in 22 and a half 23 years right just one extra payment towards your principal balance and all the online tools everything is digital right now with your mortgage payments you can easily set that up as an

automatic thing where you're not setting and forget it you don't even have to think about it so there's so many ways to skin a cat to beat that interest trap when it comes to your financing it's just people just gotta have the discipline I think I think into and you said investment so that was a real estate standpoint but from the stock market it's the same thing he used Warren Buffett as as the quote estate standpoint. But from the stock market, it's the same thing. You use Warren Buffett as the quote, but it's true for the stock market. When people are fearful, that's when you should be greedy. Crypto?

Well, we're going to get there. We're going to get there. I mean, if you look at it now, obviously, we're in a recession. And so you're looking at companies, where should I buy? Well, when you had Apple at $180, you're like, it's too high. Well, now it's at $132. Why wouldn't you buy now? So if you look at the same companies we spoke about the last time, Apple, Amazon, Google, which is about to have a split, right?

These companies are now at a price point that it's like, all right, it's affordable. We can do it. But you brought up another good point, agriculture. If we want to look at plays that are like, hey, I don't want to invest in something that's too volatile, at the agriculture side look at companies like Campbell Soup right that has like a 7% incline over the past 6 months it's like wait they've appreciated during the time well yeah people are going to eat right even a company

like Kellogg's that people probably didn't pay attention to that dividing a company into 3 components now and having snacks as one of the pillars of it like how many people are buying groceries and putting Kellogg's cereal in their snacks? And it's something that you don't think about, but it's a safe investment because we know people in times like this are going to find affordable ways to eat and they're going to

feed their kids, you know, first and foremost. So there's all different types of ways you can invest, obviously real estate, but the stock market, where it's at right now, obviously we know recessions last, what, 18 months on average. So if we're in the middle of it now, by the time we get to 2023, 2024, 2025, these investments that we make now will set us up for the future. Do you think we're officially in a recession? Yeah, I think we're definitely officially in a recession.

Because people are still spending. They say it's not officially a recession until people stop spending. Well, it's officially a recession with two negative quarters of GDP. Two negative GDP quarters. So I think they haven't officially announced it yet, but they will, I think. But I feel like it's always going to be the haves and have-nots, right? But with the inflation, that's actually causing a lot of problems as well. And the supply chain issues, a lot of things you can't get.

But it's like, you know, talk about investing, and we always talk about investing, but I feel like we gotta start talking more about businesses. Because it's like, A, a lot of people, one of the biggest things that stop people from investing is they feel like they don't have enough money to invest. And no matter how much you invest, it's still, it's nothing like starting a cash-flowing

business. And like, black businesses or just businesses in general, that's something that we gotta start talking more about, like like as far as starting businesses and during a recession during economic downturns is actually a good time to start a business because it's like if you can survive during the worst of times that automatically makes you an authority in the space and it's like that's what we did really like i wouldn't say anything that i didn't actually do myself so it's like you know for us to start to start a business, you know, people, it started as a podcast, but turned into a media company.

And we doubled down on it, you know, during COVID and expanded our reach. And now we have different verticals. So now it's like we do InvestFest or we have a truck or we do EYL University. It's about growing laterally and having people in place and hiring employees. And that's the real, like, you know, what we really got to start focusing on

because that's the only way to really improve our economic situation. Investing is very important. But if you don't have money to invest, how are you going to invest? And right now, in this job market right now, good luck trying to find a high-paying job. And even if you do, inflation is so high, you're not even going to, you know, make a difference. So it's like for most of us, like for me personally, I went to a state school.

So I have a communications degree. So I have a liberal arts degree from a mid-level state school. And it's like if I was actually out here trying to find a job right now, I'd be in trouble. You know, I will say this though. You know, I think we have to support each other in a way that other communities do, right? I have a friend that's Jewish, and he was telling me that a friend opened up a restaurant in Brooklyn. And he said for like three months straight, there was a line around the corner on a restaurant.

And this was when he was young growing up, and he asked, well, why? And he was like, well, in our community, when somebody opens up a restaurant, we're going to support them for three months every day until we can make sure that they can control, run on their own. And I was like, that's big. He knows for the three to six months that he has a built-in crowd that's going to support his restaurant and make sure his restaurant is good. He said, even if the food is bad or even if they have bad service, he said, it's still

a line around the corner because all we care about is making sure that he's good. If he's good, his family's good, and that money stays in that community. We don't do that enough as our people well you know i think it's starting to happen now it's starting to happen but it's also part of tradition and culture too like so a friend of mine is indian and he got married and you know indian weddings if you ever been like a whole week of celebration so when i went to his wedding in jersey he was saying his father-in-law owns like a motel chain so if you know know anything about Indians in the motel industry,

they own like 70% of the motels, especially on the East Coast. So he was explaining to me the situation, how they do it. So he's like, they come and they, like one person will get a motel, right? And they work the motel and then they bring the other family members from India over. And then all of the family, they have no choice but to work the hotel. And they like have different positions in the motel. And then they save the money and they have no choice but to work the hotel. And they, like, have different positions in the motel. And then they save the money, and then they open up another motel. So it's like the brother will take the other motel.

And then the family will come. And it's like a domino effect. Like, they do it one by one by one. And then, like, before you know it, now they own, like, they have a monopoly on the motel chains. And it's like, who's really thinking about owning motels? It's like gas stations. You know what I'm saying?

So it's like you find a niche thinking about owning motels? It's like gas stations. You know what I'm saying? So it's like, you find a niche area and then you use family and you keep the money within and now you actually just grow from there. So that's something that's very important.

And it's like, for us, even having family, right? I feel like if my son has to find a job when he's 16, I failed

as a business owner. Because it's like, what's the point of doing all this work, staying up, traveling, all that? Like, if you want a job, come work for me. Yeah. That was one of the things. Even from, like, teaching. Like, they was all like, yo, man, you can't teach. You're too special to be, like, in that side of a school.

And I would be sitting there like, I could work here for 25 years, right? It won't guarantee that my son can get an interview, right? Like, I watched my dad work for 40 years in the city. I don't even know where it was at. It didn't guarantee me anything, right? And so when we start thinking like that, it's like, well, what are we passing down? Right? If my name is not on it, I can't give it to him.

So if my name is not on that school, it can't guarantee that he gets a job there. But there's a guarantee that if we create something, we pass that down to our kids now they could choose to say look I don't want to do my own thing which is great right let's extend the legacy even further or they could say look I love what you're doing dad can you pass the torch is that position for me inside of this company and that's something we ain't really see a lot but it's happening now and you still a teacher and when it comes to educating and even when kids you know you might can't pass them a job but you got so many different connections if they want to go do their

thing you'd be like oh I know somebody that can help you with that exactly network experience but also with the internet I think this is the easiest time in the world to be a business owner right the information and technology that's available today it wasn't here when I first came in a mortgage business there wasn't all this information and technology I mean now you have things like Toro that just got passed in New York. If you have a car, you could put it on Toro and you could make money and now start a rental car business, right?

If you own a house, if you're struggling with your mortgage, you could put it on Airbnb, right? So there's so many different opportunities that's out there. You just have to have the hunger and the desire to go out there and search for it and get it. Hell, I know people who sell vegan patties and And, you know, now they got a catering business and they cook it out of their house. We sell vegan patties in our coffee shop from Branch Patty.

That's why we got to support your coffee shop. And that's why, like, look, you start in coffee shops, you're doing radio, you're doing everything. So there's so many ways to skin a cat in this world that you just have to be out there and be focused and want to get it because a lot of people just want things to come to them and they're not willing to go work for it.

But sometimes you also have to realize that um i think one of the hardest parts people sometimes think that being an entrepreneur is like really sexy and you're gonna make money right away a lot of times it's a lot of struggles and it's a lot of stress a lot of stress and things do not pay off and you're and yeah and a lot of businesses don't end up working the way you anticipated and it might take years if you ever even do make some money from it. So those are all things to take into consideration, too, when you're doing your business plan. Or maybe you have to pivot and switch what your business plan was originally. Or maybe you have to get investors or partners.

There's a lot of different ways that you can try to make it work. But it's definitely stressful. Your phone can go off all hours of the night at any time. Every little thing that goes wrong, everybody is hitting me up about it, and I'm trying to find solutions even if I can't be there. I'm trying to do my thing, but I'm also trying to make sure that things are taken care of at the coffee shop,

at the juice bar, at the hair store. And it's a lot of stress sometimes. I think that's why this time is so important. Because even though you're going through those things, you have opportunity and information around you to say, all right, well, I'm going through these struggles. Who else is going through it? And so when you can share your struggles,

you can come to a commonality like, all right, well, here's what I did when I went through that. Whereas in the past, it was like, we got to figure this out on our own. Most times we fail, right? So when you got a coffee shop and my man got a donut shop he's putting in Brooklyn, he has a different eye for the business

that you may not have. And now you have different vision than he might have. He puts that together in his business. Now he's out of here. I already told him. I said, let's put them donuts in there. Shout out to Cloudy Donuts. Those nice vegan donuts.

Talk about crypto. Is it still viable to invest in long term yeah I think crypto you know if you believe in anything you gotta have a long term perspective in it right

so cryptocurrency I feel like is something that I mean just look at the landscape you got major institutions buying tons of bitcoin you got

you know it's becoming more and more accessible you got bitcoin ATM machines popping up now there's still a long way to go it's, you know, it's becoming more and more accessible. You got Bitcoin ATM machines popping up. Now, there's still a long way to go. It's not, you know, mainstream yet. But I think blockchain technology and cryptocurrency is something that's here to stay.

And, you know, once again, it's studying history. Crypto has always had crashes. Like if you study the crypto market, this is pretty normal. Like it always has crashes. It's an extremely volatile asset, which is why you shouldn't invest anything that you can't afford to lose, and you shouldn't invest anything that you necessarily need. Investing

is not gambling. That's the thing. A lot of times people will say, oh, it's like going to Vegas. They say that a lot. Investing is not gambling because gambling is a game of chance and investing is a game of knowledge, but investing can be synonymous with gambling when you start using gambling principles when you when you when you invest pay my rent so i gotta hurry yeah when you when you get that back when you invest not using

knowledge then it is gambling so if you just buy dogecoin because every single person is talking about dogecoin you don't know nothing about it you don't understand it you buy it at the high now you're gambling right the problem is is so many people like you said they listen to people that don't do their homework and that's the problem that's one of the things that you said the internet is good but that's what makes the internet bad as well because everybody now is a is somebody that is a specialist everybody right now is somebody that's an educator and they're educating the wrong people that's why i like your platform because you bring people that are successful and actually show.

Because right now, the money's in the real estate. It's teaching real estate. It's not actually doing crypto. It's teaching crypto. And there's so many people following so many bad examples that really hurt people. Oh, that's real. You should talk about the dentist scam. There's a lot of seminar scams, a lot of expert scams.

You know what I mean? A lot of it going around. Yeah. There's a lot of, there's those seminar scams, a lot of expert scams. You know what I mean? Yeah. There's a lot of it going around. Yeah, for sure. I mean, you know, it's like, there's always going to be that, right?

Because it's like, there's people that's gullible, right? And that's just human nature, right? It's like, it's people that's gullible. And that's happening in every field,

not just financial literacy. You got religion, probably the biggest one. You got people that's gullible that's going to give people their money just because they're saying, if you give me your money, you get to go to heaven. They haven't done any research, though.

They haven't fully read whatever text that they're supposed to read to understand it. They're just going off of what somebody is telling them. So I always tell people all the time, I thought, Mark and Monday, you say, do your research. Even me, Troy, Ian, whatever, like, and we do this every single day. Don't just do something because I said it. Because at the end of the day, I'm not responsible for your family. You are. Right. So you could you could take information. But ultimately, it's up to you to actually do the research and then make an educated decision for yourself. But I feel like cryptocurrency is something that is definitely here. But just be careful. I mean, you have the major cryptos like, you know, Ethereum and Bitcoin. Then you got, you know, a few that's coming up like Solana. But, you know, once again, people, instead of trying to invest in those, they'll go for like the one that nobody heard of. It's 8 cents. 8 cents, yeah.

Like the Hitachi card. 0, 0, 0.8 cents because they're like, all right, if this goes to a dollar, I made everything. But nine times out of 10, it's going to go to zero. It's not going to be worthless anymore. And I'm only speaking from personal experience. 2017, that's when I first started investing in crypto. And a lot of those cryptos that I invested in, they're not worth anything anymore. So nobody's perfect.

You learn. And as you learn, then you can speak from real life experiences. Because at a certain point, we all will get greedy. We'll all say, like, damn, this is tempting. Let me roll a dice but nine times out of ten whenever you do that and whenever you try to do something to just make money quickly nine times out of ten you're gonna lose it just as quick and the other part is that he we're actually telling you like listen we did this we lost money we're telling you so you don't make

the same mistake but when people are in survival mode they'll take risky chances right and the key word is we're saying invest. So when we talk about invest, it's more than three days. It's more than a month. We're talking long term. So we saw Bitcoin go up to $60,000. We've seen it pull back to $20,000. They just had a survey that said it'd probably go to $10,000 before it goes up to $30,000.

And so we know that, all right, we're here for the long term. We're not trading on a daily basis because it's such a volatile asset. And people are not even skilled traders they just going off a speculation so hey went to 30 oh wait I got to get it before it gets 35 we do that you gonna lose money are you guys buying Bitcoin now personally if it got to get a little lower but I think it's that 10,000 definitely I'm all in I'm all in slow the boat shot the same rules apply for the stock market to write the same principle it's the same principle that bull. Shout out to Ian. Same rules apply for the stock market too, right?

It's the same principle. It's the same principle that we said about real estate, the same thing we said about the stock market, the same thing about crypto. When people are fearful, get greedy. When people are greedy, be fearful. And there's tools for that. We even talk to people like, listen,

you can go to the CNN.com. They got the fair and greed index. It'll tell you what the overall synopsis is of investing community. And they'll show you like if it's zero to 20, people in fear. All right, let me go look at some investment opportunities. When I see it at 69 to 89, I'm like, all right,

well, I might need to start coming out of some of these positions. We're about to have a pullback. But then also when things don't, you can use your common sense a lot. When things don't make sense, that's when you start to realize, like, when you start to see,

you know, Dogecoin just going, every single day, just going up, just because Elon Musk tweets it, like, that starts to not make sense, right? And when you start to see even Tesla stock just, you know, go up 800% in one year,

yeah, there's a lot of Teslas on the road, but what, is Tesla really that strong? Probably not, right? You know what I'm saying? It's kind of like common sense. Even real estate. When you start seeing people paying $100,000 over asking, that starts to not make sense after a while, right? And it's like that's when it starts to get a little scary because it's like that's not sustainable.

I agree. I agree. And what I tell a lot of people all the time is don't be afraid to let it go. Like I told Matt all the time, like I will sell anything but my kids and my wife. Because, you know, during this time, everything would have been priced, whether it was cars, whether it was watches, whether it was bags, whether it was shoes, whether it was sneakers, whether it was belts, whatever you had tangible shot up in price. And I got rid of all of it. Like, you know, it doesn't matter to me because it's all things. And if I can make money off of it, that's the goal. I got rid of cars.

Like I told you, everything had to go. And sometimes we like, I don't want it. Like I told everybody during the pandemic, give it to all those sneakers. Can't wear them anyway. They're shooting for prices that we've never seen before. Those Chanel bags went up, right? Chanel bags. We already spoke about this.

We're like, we bought a Chanel bag. We bought a Chanel bag. After we left last time. His wife. His wife. His wife. I get a text message from like, Hey, I'm investing as a Chanel bag. I'm like, okay. And then I read the article. I'm like,

yeah, they appreciate it by like 7%, 30%. I'm like, Oh word. And then Christmas comes and my wife was like, Oh, you know,

that Chanel bag. I'm like, no, it was a good investment. It's only a good investment if you're willing to sell if you want to sell yeah so I mean it's the truth though like those luxury goods have appreciated they only let you buy one Chanel bag a month now to Well, no, the reason why is because people are reselling them. When did they send that email? I didn't get it.

The woman in the store was telling me because... I'm trying to tell you. No, no, no. Personal shopper rules. No, because too many people are reselling them. So what happens is people are going in and buying several bags, and then they're reselling them. And so Chanel doesn't want you to do that.

So now they have your name in the system. If you buy a bag they won't let you buy another one if they see you buy too many things they won't sell them to you because they feel like you're reselling them absolutely and making a profit and they don't want that put in your mother's name put in your father's name your uncle's name your cousin's name but it really is talking about crypto that's's when NFTs is going to change the game. And most don't believe it. That's a fact. He's skeptical. He's very skeptical. But that's when NFTs is going to change the game.

Because imagine if Chanel, all those bags were NFTs, right? So then they don't really care about the resale because they get commissions on the resale. So like what if their resale was 30% commission every single time it gets resold? So now look how much more money that will bring to the company nike all of those nikes that's selling for like 150 retail then they sell them for like 800 in stock x imagine if nike had a 50 commission on because that's what you could do with nfts right so now every single time it gets sold nike's gonna just keep making more they're gonna encourage the resellers because now it's just they're gonna make more money from the resellers than they're going to encourage the resellers because now it's just they're going to make more money from the resellers than they're actually going to make from just putting it in stores and they get the ability to authenticate it right because that was one of the issues with

stock x that hey these ain't real they're not real but now the nft actually you can authenticate the sneaker which actually makes it more of a rare commodity right because it's like hey there's only 2 000 of them so that the price goes up on it automatically because it's a rarity. And then the resale price goes up even further. So there's more money to be made. So that's one of those technologies that we're going to definitely see. So with Ross, the last thing about the NFTs, a lot of times people

pay attention to the wrong things. Oh, Ross. Huh? No, go ahead. Angela's on one right now. No, no. She's got an edible one. So now so like people saying like the monkeys and the artwork and they thinking like it has no value the NFT monkey

but that's only part of it the technology is what you should be focused on the blockchain technology what we just talked about as far as how to authenticate things and how to have commissions on things, take away the bananas and the apes and all of that. That's probably a fad. That's not probably going to be here.

The technology can't be denied and the technology is going to end up changing the world. Yeah, the problem with the NFTs, people, when they first started talking about it, they talked about it like art that appreciates with value. And I think the mistake was in the messaging. I think. Yeah. No, you're right. You're right. Well, InvestFest, the mistake was in the messaging, I think. Yeah.

No, you're right. You're right. Well, InvestFest, give them the date where they can get tickets. That's fast and biggest. We appreciate you guys for joining us.

We learned so much, man. Always, man. Always, man. You trickle all the liquor and you buy a man Chanel bags over there. More bottles, Envy. More bottles.

I'm looking for Chanel bags. Rashad's got to be easy though, yo, because I know so many women who come at me about Rashad, so I'm like, I hope you ain't going on dates with all these women because that's going to cost a lot.'s got to be easy though, yo, because I know so many women who come at me about Rashad, so I'm like, I hope you ain't going on dates with all these women because that's going to cost a lot.

You got to be selective. That's very important. You spending five, three to five on dates. That's a lot. That can add up. No, no, it's a very selective process

that we, you know, some filter. Some filter that we have to go through. I'm actually managing that. Oh, yeah, yeah. She's actually my manager. Okay.

As far as, yeah, his dating. So I kind of filter people. You DM's about the man Shambles. Shantan Kendra G. Shantan Kendra G? Oh, wow. You did her single show. Her reach is crazy.

Crazy. That was hilarious. Shantan Kendra. You said her reach is crazy. Yo, crazy. That single show was big. That was hilarious. Shout out to Kendra. I heard you said 5,000 that week. At least. So before we get out of here. New show concept.

Earn your love. Earn your love. Earn your love. What kind of love? What kind of love? Earn your love. That's the new show. That's how loud it is.

Earn your love. Earn your love. So what kind of love would you be interested in? What are you looking for? That's the new show. That's how loud it is. Earn your love. Earn your love. You know, love, would you be interested in? What are you looking for? What did Steve Harvey tell you? Wait, can Angela ask that question? Yeah.

They're going to have like, all the parts and all that. I'll see Evie. No, you know what? I'm not going to lie. Before you came in, Evie did ask me, is Rashad dating anymore? I said, wow. Wow. Wow? Wow. Wow.

Wow. I'm not cheating on y'all. I swear. I swear. Y'all play too much, man. Y'all play too much. Me and you, man. I can tell that's not my turn.

I appreciate that. Oh, man. Oh, man. You know, the ladies, man. Classic interview. The ladies, man, you know, for me it's just a vibe. You know, it's... Are you gonna go with that again? It's about curating a vibe, you know?

Good energy, a whole lot of good energy. Key factors. That was very good. No, no, no. He's getting devilish. He's getting devilish. Nothing now. Nothing now.

Key factors. Don't show up. Watch this. I'm alive. Breathe in. No trouble no more. I won't bring up the other clip. That was dangerous.

That was dangerous. He said it. That was real dangerous. You asked me. That's dangerous. I'm not even going to ask. I'm making tickets. Invest Fest.

InvestFest.com. Get your tickets before it's sold out. VIP experience. DJ Envy will be there. Charmin God will be there. Cesar will be there. Will Angela Yee be there? That's the question.

Y'all didn't even ask me. We're asking you now. That's not true. All right. We'll talk. We'll talk. Steve Harvey. Of course, Tyler Perry.

Rick Ross. The whole gang, man. T.R. Everybody getting paid in Dogecoin. Everybody. Dogecoin for everybody. Dogecoin for everybody. The Dogefather will be there.

The Dogefather. But no, we appreciate you guys, man. It's always love. Thank you for having us. And go to investfest.com. Get your tickets. It's going to be, you know, it's going to be a whole entire vibe. The vibes will be unmatched.

And we love you. Atlanta, we'll see you soon. That's a fact. It's the Breakfast Club. Earn your leisure. 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're going to 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. 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. That's 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 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. Hey, what's up? This is Ramses Jha. And I go by the name Q Ward. 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. Hey, y'all.

Niminy here. I'm the host of a brand-new history podcast for kids and families called Historical Records. Executive produced by Questlove, The Story Pirates, and John Glickman, Historical Records brings history to life through hip-hop. Flash, slam, another one gone. Bash, bam, another one gone. The crack of the bat and another one gone.

The tip of the cap, there's another one gone. Each episode is about a different inspiring figure from history, like this one about Claudette Colvin, a 15-year-old girl in Alabama who refused to give up her seat on the city bus nine whole months before Rosa Parks did the same thing. Check it. And it began with me. Did you know, did you know? I wouldn't give up my seat. Nine months before Rosa, it was called a moment. Get the kids in your life excited about history by tuning in

to Historical Records. Because in order to make history, you have to make some noise. Listen to Historical Records on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts.