The Breakfast Club - INTERVIEW: John Hope Bryant Talks Dream Forward Event, Trump Tariffs, Financial Literacy, Economic Growth +More

Episode Date: April 4, 2025

The Breakfast Club Sits Down With John Hope Bryant To Discuss Dream Forward Event, Trump Tariffs, Financial Literacy, Economic Growth. Listen For More!YouTube: https://www.youtube.com/@BreakfastClubPower1051FMSee omnystudio.com/listener for privacy information.

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Wake that ass up early in the morning. The Breakfast Club. Morning everybody. It's DJ NVEJS Hilarious, Charlamagne the Guy. We are The Breakfast Club. We got a special guest in the building. Yes indeed. We have John Holbrien. Welcome back brother. I'm honored to be here.

How you feeling? I'm blessed. If John Holbrien is here, that means that there's some good things going on in the world. First of all, you can't even marry gifts. Or bad. Bad, yeah, or bad. But's some good things going on in the world. First of all, you can't even marry gifts. Or bad. Bad, yeah, or bad. But at least the things that are bad, you can explain.

Especially when it comes to some financial stuff. Rainbows only follow storms. You cannot have a rainbow without a storm first. Scientific fact, actually. Well, let's jump right into it. I was actually thinking about you the other day. Shout out to these socks, first of all. The socks.

Yeah, he brought us some gifts. So Walmart made these for us. This is Green Socks Day. You can go online and get them. They're April 30th. We've got the NBA, NFL, thank you Roger Goodell, NASCAR, hockey, Major League Baseball, Major League Soccer. I think that's all of them.

We have all of them. It's never happened before. All the sports leagues are behind Green Socks Day. So I'm asking everybody to put a sock on and talk about financial literacy on April 30th. Do something on financial literacy. Tag Green Socks Day on your social media. Highlight a post.

And NASDAQ's gonna feature the best post on this big board here in New York on April 30th. And the 10 top posts, we're gonna fly them to New York City, let them ring the bell to the New York Stock Exchange. Wow. Nice. So this is the way, you know, people are arguing over black and white, red and blue. Can we just agree on some green?

Absolutely. That's why the stocks are green. That's why they are. Absolutely. Yes, we want the whole country to come together on April 30th, this is Financial Literacy Month, by the way. Okay. I was why they are. So we want the whole country to come together on April 30th, this is financial literacy month by the way. Okay. I was thinking about just speaking to the country, with all the tariffs that Trump is putting on the country,

and people are looking to purchase their first homes or all that, what would you advise people to do? Because they're saying with the tariffs, they're saying the price of materials are gonna go up in price. They're saying the price of cars and the parts up in price. They're saying the price of cars and the parts are gonna be shooting up. What would you advise people to do

if they're looking for home ownership at this point in their life? This is gonna seem schizophrenic in my advice. I'm telling you in advance, ignore the noise, first of all. This is just noise. Just like DEI was a distraction. Why are we arguing over DEI? We're fifth on the list.

Why are we the poster child for DEI? But they wanted us to be the poster child. Somebody did, somebody wanted black people to be, because that triggers racial overtones and all that other kind of stuff. It wasn't even our fight. This is not our fight. This is somebody else's problem at the moment.

If you wanna get in a fight, it's like hitting your face on my fist. Mm-hmm. If you wanna fight, that's what this is. This country is 70% consumer spending, sorry, the biggest economy on the planet, America. We're 25% of the global economy. We're 40% of global wealth in the world.

We're big ballers. Out of eight billion people, it's only 350 million people, but we lead the whole world. But 70% is economy. It's not rich people, it's not big business. It's you and me, paying for car notes and mortgages and going to get some coffee, which didn't work outside.

It's little stuff. It was the car service that brought me here. It's breakfast that we had this morning. So this economy can't succeed without us succeeding, first of all. So this party ultimately will pivot back to what's gonna drive the economy because this is a capitalist democracy.

Big C, little d. It's a free enterprise democracy. So I tell people ignore the noise. This stuff, if it's not working, Washington's gonna have to pivot. There's a strategy in Washington. I was with the Secretary of the Treasury a couple days ago who I actually like.

I think he's actually a decent guy. Please break that down because I need to know the strategy. I don't understand it. Well, no, no couple days ago, who I actually like. I think he's actually a decent guy. Please break that down, because I need to know the strategy. I don't understand it. Well, no, no, I didn't say I understood it. Oh, okay. You're going too far. Okay, okay.

I said, first of all, I said I like him, and he and I are gonna work together on financial literacy. We're not gonna agree on everything. I was with him for an hour. I didn't address this issue, because his boss has already made up his mind. And I know I didn't want to put him in an uncomfortable situation,

ask him questions that he can't answer. This has to play itself out. I mean, the country is having one big colonic, right? So it's gonna take as long as it'll take. I don't think it's gonna take very long. You and I talked about this. And either he's right or he's not. The only way tariffs work,

and I could break down what a tariff is, by the way, because most people don't understand it, the only way a tariff works is if it's short term and it's tied to you negotiating something from whoever you're trying to extract something from, another country. If it's your long-term strategy in a country that has consumer spending,

it's a disaster, because it's a tax on you and me. I'm getting ahead of myself. So you think this is a short term. Let me. What is the tariff first of all? You may ask this question or yours. Go ahead.

You know tariff first, so that goes into mine. This is really important for your audience. I mean, because people run through these titles and I did a podcast on money and wealth last week. It went to the roof, just explaining like normal terms that people recession and tariff and inflation, people assume that people know this stuff. Who's teaching anybody financial literacy?

You're not dumb and you're not stupid. It's what you don't know that you don't know that's killing you, but you think you know. A tariff, and as simple as I can describe it, is a tax on American businesses and American consumers. So this concept of I'm of, you hit me, you're a China, you're, by the way, Russia didn't get a tariff, interesting. You're Russia, you're wherever, India, you hit me,

I'm gonna hit you back. No, a tariff might, because the cost of the thing has gone up, might mean we find Chinese goods less attractive. We find Indian goods less attractive because what costs a dollar now costs a dollar, 80. So maybe we say, oh, I don't want any more of that. But the importer of the thing pays the, pays the, I guess hard to get a straight face.

The import, the American business pays the tax at the duty station. And what is that importer going to do? What is a big company going to do when they get hit with higher prices that are no fault of their own? They increase their rates. They raise prices. It's common sense.

This is a radical movement of common sense. They pass that on to you and me. So our prices of everything is going to go up unless in a month he changes mine again, which he's apt to do, and says I was just kidding. Now let me go one step further and tell you how this, the only way this could have worked. If he's saying he wants to promote domestic production,

he wants to bring everything back home. Fair argument. Although American manufacturing, you're very good, American manufacturing as a manufacturing hub of old school manufacturing ended in the 1970s. That's why there's more poor whites in America than poor anybody else because they had a high school education hustle and the jobs they were doing walked away. In 1940, 1950 Detroit was the richest city in the world. Automotive. In the world. Richer than Paris. Richer than the Irrelays. That was one of the poorest because the business plan for manufacturing walked away from America. It went to places that were cheaper. Now

we can be a manufacturing center today, but it's gonna be high-tech manufacturing. It's gonna be artificial intelligence and robotics, which you need education for. Back to the story. The only way this would have worked is if the president said, you know, a year before you elected,

get all the bankers together, get all the Fortune 500 companies together, and look, you guys, I'm gonna be president in a year. Just believe me. What I need you to do, go to your boards, go to your governance committees at the boards, go to your bankers who allocate capital, go to Wall Street, tell them I'm coming, and tell them to put capital aside for manufacturing at home. Also, because I'm gonna have tariffs, also I need you to go to Staten Island, I need you to go to little towns. Also, I need you to go to Staten Island. I need you to go to little towns in Cleveland.

I need you to go to Detroit, wherever, and cut deals for land. I'm just breaking this down. Right. And get the cities to support you. And by the way, you're gonna need, if you're gonna need AI, you're gonna need a bunch of energy

to fuel these AI factories. So you need to get some electricity and know, electricity and water things generated. I'm gonna give you a year, cause it's gonna be tens of billions of dollars in investment and know that I'm committed to this my whole presidency. This is a new America and the CEO's go, okay, we're with you.

We wanna bring this back. By the way, what's the, what's, what's in it for us? And he has these economic models that shows blah, blah, blah over a period of time. This is gonna be short-term pain, long-term gain. Okay, none of that happened. Dang. So how can you-

So there's no way, I'm just, look, I'm not for or against. I'm just saying, I like math because it doesn't have an opinion. I'm just saying, my friend, Stevie Warner can see this. None of this is going to work long term because there is no planning. So you think this is a ploy for Trump to get what he wants?

You think it's a short term play and not a long term play when it comes to these tariffs? I didn't say I understood it. I said I was gonna explain it. Look, he's been talking about tariffs since 1980. Go to interviews of him from 1980s, he's obsessed with it. I have no idea where he got this from. It's like new math.

My calculator works pretty well. Unless he is the most intelligent being on the planet, unless he has a whole new way of viewing economics, I just don't understand it. I'm pretty good at it. I just don't understand it. That's why the markets are in the tank. That's why CEOs are scratching their head.

But no one wants to say anything because you don't want to get on his bad side. Look, I want him to win. I'll say it. He's my president. Whatever. The election's over. That's right.

He's my president. I want him to win because if he wins. We all win. If he wins, we all win if he loses we all lose so we This you know trying to wish him well and going to Louisiana hitting little dolls No, no pray pray for your president. Pray for your country. We're all in this thing together. Like real talk. But, and here's my way of thinking.

Talk without being offensive. Listen without being defensive. And always leave even your adversary with their dignity. Because if you don't, they'll spend the rest of their life working to make you miserable. It becomes personal. You gotta step over mess and not in it. He is the President of the United States of America.

He is, as you can see from the executive orders, he's incredibly powerful. He's not a king, but he has incredible power. And we're gonna see that some of the stuff he's doing is a bridge too far, it's gonna get reversed. But he has incredible power with the pen. So we need to walk delicately here. It's an interesting relationship.

I was in a relationship years and years ago. Luckily I have a wonderful wife, change it when I was a kid. I was in a relationship with somebody who was emotionally immature, which it didn't say much for me, I picked her, but it was like an emotional hand grenade. But I was already in it.

And I had to really be careful how I put that hand grenade back down on the ground so it didn't explode and tear me up. This is where we are, we have to be very delicate about this situation. And we have to find some way to help him feel like he want. Like, I don't know what it is, but whatever in the next 30 days, next 45 days, this is not sustainable. We gotta give him some out.

The country, other leaders, the way he feels, yeah, my terror strategy won. Otherwise, this economy will slow and your prices will go up. You already had inflation from the, let's clear something else up. It's too late for this. Biden created inflation, ridiculous, completely wrong.

In fact, it was Trump, then the Republican Democrat Congress and Biden, everybody passed $5, $6 trillion worth of stimulus during the pandemic. So the economy didn't stall Because the economy was going to stall when everybody was in their houses because it's a consumer driven economy And that plus the Federal Reserve there's about six seven trillion dollars actually more like nine and when the economy that's where the inflation Came from when you have an imbalance of supply and demand. So you have too much supply money not enough demand, it inflates the cost of things.

So all the stimulus checks and the PPP loans everybody loved caused inflation. That part. And it ain't going away, and I said, ain't on purpose, because there's never been in the history, DJ Envy, in the history of the world, there's never been a trillion dollars of stimulus by any government at any time ever.

And we did nine trillion. Let that sink in. So how long you think it's gonna take for that to work through your transmission system? So we're lucky we don't have 12% inflation. We're lucky we don't have 18% unemployment. Like what Biden should have done, he should have come in and said,

I'm gonna be president for four years. I'm your dude. I'm gonna stabilize everything. He should have come in and said I'm gonna be president for four years I'm you dude. I'm gonna stabilize everything. I'm a drop of Mike. I'm a bounce. I'm only here for four years That's what he should have done. He should have said that up front and been done with his legacy would have been Fantastic, but you get in that office. I've been an advisor for three US presidents. It's intoxicated their power that power is intoxicated You don't want to leave. Let me ask you a question. Do you think the government will? So yes, you should buy a house, by the way. Don't change your game. Don't change your plan. Change your mind. This is this noise is going to ultimately go away. Three things have never gone down in the history of America. GDP, gross domestic product, real estate values, and stock market values. They've gone up, there's a recession,

it corrects above the line after the recession. It recedes, recessions, recedes, and then corrects above the line. Every time somebody makes an emotional decision, it's the bad one. Poor people sell in bad times. What did Warren Buffett say? When people are afraid, be greedy.

When people are greedy, be afraid. Okay, you were about to say something. I was gonna ask you, I was gonna say, you know, with that type of thinking, the prices of everything are gonna go up, right, in the next couple of months, we assume, right? Yeah, interest rates. Because building costs are expensive.

Interest rates might come down, by the way. Metals and all that, right? You said, what about interest rates? They might come down. And interest rates might come down. Same thing with cars. Which the president is banking on, by the way. So if somebody buys these houses and these properties,

or they buy these cars, or they buy these materials, and the prices are up, when this game that we're thinking that he's playing, which is a short-term game, changes back in a couple of months, and he takes these tariffs off, and now those goods are less money, you bought when it was high. Does that hurt, help, affect?

Well, you're assuming the goods are gonna come back down in price. If the tariffs come off, shouldn't they, you're assuming the goods are gonna come back down in price. If the tariffs come off, shouldn't it? You're assuming that the price is gonna back down. Greed is an interesting thing. You know, there were, during the pandemic, there were container companies, the ones who put the stuff on ships,

because we're all run through international trade. By the way, 25% of the US economy is international trade. So there was container companies who were found to be gorging, gouging prices for no good reason. The prices had, yeah temporarily there was not enough of them and the prices went up, but then they kept the prices high because it was you know layering their pockets so ambassador Andrew Young says that men and women fail for three reasons arrogance pride and greed and greed is the oldest thing on the book the only time Jesus Christ ever got upset was when he turned the

table over the money changers in the temple it's the only time he got upset so I think that because we're the biggest economy in the temple. It's the only time you get upset. So I think that because we're the biggest economy in the world, because it's consumer spending, because capitalists ultimately wanna win, prices will come down to meet the demand of the consumer, but it's not gonna be like flipping a switch. And what somebody in Washington thinks, in my opinion, that if you trigger a mild recession,

this is, I don't agree with this. You trigger a mild recession, you can blame it on the other guy. I don't agree with that either. I hope this is translating to your audience when I say the other guy. You blame it on the other guy, not the current president. You then get the Fed to lower interest rates, which by the way, helps wealthy people like me but doesn't help the average everyday person. And then the economy booms

and you're golden for midterm elections. Some people believe that. I just don't think that that's rational. And I think the timing is gonna be all messed up. Even if that did work, I don't think it's gonna work. Here's the problem. The White House, I've known nine US presidents, I've known 12, I've worked with 12 secretaries of the Treasury, I've been an advisor

for three US presidents, both parties, I've been honored by five from both parties. I've never seen a White House where 99% of the people are either centimillionaires or billionaires, the advisors. Now, again, I'm very wealthy, but I go to the hood once a month. That's right. Once a month. Yeah, intentionally.

I tell my driver, wherever I'm at, take me to wherever the hood is. And they're all freaked out. I wanna see it. I wanna see how we're living. I wanna see those check cashes, the payday loan limits. I wanna get out and go into a grocery store, a convenience store.

I wanna listen, what's up? I wanna listen to the, I wanna get in loan lenders. I wanna get out and go into a grocery store, a convenience store, I wanna listen, what's up? I wanna listen to the, I wanna get in the Uber driver. I wanna get in the taxi. You wanna talk to the people people talk about, but never talk to. That's right. So if you are a scented millionaire, 100 million, if you're a billionaire,

you've been taking private travel for 20 years. Now, when I go through, I do Delta, but when I go through, and I'm with a coach for all 100,000 Delta employees at Operation Hope, when I was on Delta yesterday, now they picked me up at the curb, do that whole thing, so it feels like private. But by the way, I had to, like three months ago,

something happened, my greeter wasn't there, I had to go through the airport, I was traumatized. Cut it out, John. He's been traumatized. He's been traumatized. I'm saying, I'm saying, turn. I was traumatized. Cut it out, John. I'm actually traumatized. I'm saying, I'm traumatized. You have to carry your own bag, John. I'm like, no, no. I was like, where are

all these people? Where are these people at? Where they coming from? What they doing? What? What are these kids screaming? Why is this lady in here taking her clothes off? No, I'm just saying. I think it wasn't that loud. You gotta use that Penn Station.

Yeah. Oh, sorry. My point is that I'm pretty normal. And it took me a minute to readjust to being in an airport terminal because I hadn't been there in months. Imagine if you'd been taking private planes your whole life, or in the last 20 years.

I love it, by the way. I hope one day I have a private plane somebody else pay for. The people have no idea what's going on. That's right, you've never been to a grocery store. You've never been to a gas station. You haven't been to a bus station. It's impossible.

You should fly Southwestern Spirit one time. You'll get all that. No, I'm good. But it's impossible to make policy for the average person if you don't understand. You're not connected to them in any way. And that's impossible to make policy for the average person if you don't understand. You're not connected to them in any way. And that's what I wanted to talk about. I love the conversation you were having,

but I wanna put some boots on the ground with it. When you talk about these working class people, the average everyday person living check to check, just trying to pay their rent, just trying to buy groceries, what should they do in regards to these tariffs? You're telling everybody else just to be cool and silence the noise, they don't have that luxury.

Oh no, this is our time. I mean, you can't fall from the floor. Black folks, we've been, and brown folks, we've been doing so much with so little for so long, we can almost do anything with nothing. I mean, a crisis for us is Tuesday. That's right. We've been dealing with crisis, I mean, we wake up in crisis.

This is actually our asset and our problem. Before now, it was just our problem. I wrote my last book, Financial Literacy for All, which by the way, thanks for helping me launch. It's still number one a year later in business finance, not black, just black history or something. It's business finance in the world. But two books before was a book called The Memo.

And in The Memo, I said basically there's something is what we don't know that we don't know. No one gave us a memo on how the economy works. And I said, there's three types of people. There's a surviving mindset, there's a thriving mindset, there's a winning building mindset. Wealthy people talk about their ideas, poor people talk about other people.

So if you have a surviving mindset, the glass is half empty, not half full. It's the same glass. But whether you believe you can and whether you believe you can't, you're right. So to your point, in a normal environment, the surviving mindset is at a significant disadvantage because your ability to hustle has no value whatsoever.

Your ability to avoid a bill or avoid a 1-800 number, was that Chris Roxley? I don't know if anybody want a 1-800 number, I'm not answering the phone as a bill collector. Our ability to maneuver the system has no value in a growing, thriving economy. You gotta build something, buy something, do something, roll with something, understand something.

But when things are tough, that understanding is actually an asset. So now we need to take that understanding, pull it forward and start doing basic stuff. Go get yourself a term life insurance policy. You can get it for ten bucks a month for a fifty thousand, if you're in good health, twenty five thousand, fifty thousand dollar policy is as little as ten dollars a month. Because I don't know how long you gonna live but I damn sure know you're gonna die. So

there is your generational wealth. For a hundred bucks a month if you're in good health, a million dollar policy DJ, a million dollar policy. There's your generational wealth right there. Go get you a term life insurance policy, create a will. My mother said, she had a little inner will, she worked an hourly job for 32 years. And she bought and sold seven homes, she had a credit score of 854 when it went that high. She died, she had a million dollar net worth. And her will was a poison pill. Anybody who pushes back on his will is deleted from it.

Crickets, nobody said anything. But my mother, who worked an hourly job, had a million dollar net worth, which means anybody can do it. So she had a will, she had a life insurance policy, she got her earned income tax credit. So what's that? Anybody listening to this who may listen $60,000 a year get EITC. If you make $38,000 a year you listen to this and you're in a town anywhere and you have three children, the government owes you

$6,500 cash. If you never filed, it's retroactive for three years. So anybody listening to this who makes $40,000 goes, what did he say? You have a check. So that's- You have three children. No, no. In other words, anybody makes $60,000 or less, you get a check. The less money and the more kids, as long as you're working, the bigger the check. So the sweet spot, $38,000, $40,000, three kids. But if you have $45,000 and one kid, you still get a check. And one out of four Americans who qualify for EITC never asked for it. That's $20 billion a year. That's not going away. Child tax credit, local, everybody

needs to become like it. We need to become nosy. Everybody's reading the constitution, building rights right now. Like what's these executive orders? I want you to learn about financial literacy now. This is your time to surge whatever the city programs are, the state programs, the federal programs. Banks do down payment assistance for poor people, DJ Envy. In fact, the worse it gets, the more the banks want to dig in. So a bank, a FDIC insured bank, if you can get your credit score up, and we can help you do that at Operation Hope,

and that's the other thing you need to do, is get your credit score up, the banks will give you $10,000 in a grant plus under market mortgages. So even though the mortgage for a rich person like me might be 6.5% used to be. Have you ever wondered if your pet is lying to you? Why is my cat not here? And I go in and she's eating my lunch. Or if hypnotism is real? You will use this suggestion in order to enhance your cognitive control.

But what's inside a black hole? Black holes could be a consequence of the way that we understand the universe. Well, we have answers for you in the new iHeart original podcast, Science Stuff. Join me, Jorge Cham, as we tackle questions you've always wanted to know the answer to about animals, space, our brains, and our bodies. Questions like, can you survive being cryogenically frozen? This is experimental. This means never work for you. What's a quantum computer? It's not just a faster computer. It performs in a fundamentally different way. Do you really have to wait 30 minutes after eating before you can go swimming? It's not really a safety issue. It's more of a

comfort issue. We'll talk to experts, break it down, and give you easy to understand explanations to fascinating scientific questions. So give yourself permission to be a science geek and listen to science stuff on the iHeart Radio app, Apple Podcasts, or wherever you get your podcasts. Hey there, Ed Helms here, host of Snafu, your favorite podcast about history's greatest screw-ups. It's the 1920s, Prohibition is in full swing, and a lot of people are mysteriously dying?

Assistant Attorney General Mabel Walker Willebrand is becoming increasingly desperate in forcing Prohibition. She was a lone warrior. I mean, how could Mabel not be feeling the pressure? Her bosses are drunks, her agents are incompetent, even Congress is full of hypocrites. So if Mabel is going to succeed in laying down the law, she needs to make the consequences for drinking hurt

a lot more, which she does, arguably a little too well. Find out more on season three, episode four of Snafu Formula Six. Listen and subscribe on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. Hey kids, it's me, Kevin Smith. And it's me, Harley Quinn Smith. That's my daughter, man, who my wife has always said

is just a beardless, dickless version of me, and that's the name of our podcast, Beard just a beardless, d***less version of me. And that's the name of our podcast, Beardless D***less Me. I'm the old one. I'm the young one. And every week we try to make each other laugh really hard. Sounds innocent, doesn't it? A lot of cussing, a lot of bad language.

It's for adults only. Or listen to it with your kid. It could be a family show. We're not quite sure. We're still figuring it out. It's a work in progress. Listen to Beardless D***less Me on the iHeartRadio app, Apple Podcasts, or wherever you get your podcasts. Hey y'all, it's your girl Cheeky's and I'm back with a brand new season of your favorite podcast, Cheeky's and Chill.

I'll be sharing even more personal stories with you guys. And I know a lot of people are going to attack me, why are you going to go visit your dad, your mom wouldn't be okay with it. I'm going to tell you guys right now, I know my mother. And I know my mom had a very forgiving heart. That is my story on plastic surgery. This is my truth. I think the last time I cried like that was when I lost my mom.

Like that, like yelling. I was like, no. I was like, oh, and I thought, what did I do wrong? And as always, you'll get my exclusive take on topics like love, personal growth, oh, and I thought, what did I do wrong? And as always, you'll get my exclusive take on topics like love, personal growth, health, family ties, and more. And don't forget, I'll also be dishing out my best advice to you on episodes of Dear Cheekies.

So my fiance and I have been together for 10 years. In the first two years of being together, I find out he is cheating on me, not only with women, but also with men. What should I do? Okay, where do I start? That's not love. He doesn't love you enough because if he loved you he'd be faithful. It's going to be an exciting year and I hope that you can join me. Listen to Chiquis and Chill Season 4 as part of the My Cultura podcast network available on the iHeartRadio app, Apple podcasts, or wherever

you get your podcasts. I got a 2.7% mortgage. I'll never get rid of that one. But you can't get that anymore. But for Community Reinvestment Act, CRA, you might get it for 4%, 5%. Plus you get a $10,000 damn payment assistance grant. That's only available to the least of these God's children, but we don't know about it. So I just now covered home ownership.

Earned income tax credit is your down payment maybe for home ownership. Financial, get your credit score up. We have this meeting on April 4th tomorrow actually. Dream full, we gonna talk about it. And we got a business plan for black America, business plan for Latino America, business plan for Latino America, business plan for women, a business plan for Asians,

a business plan for Native American Indians. I wrote them. A business plan for poor whites, rural America. I wrote all the plans. And in one plan, it shows that if you rely on the government, black people, or first off, you do nothing, our net worth will be zero by 2053. Not poor people, everybody.

If black Americans do nothing but what we're doing right now, just chilling, net worth by 2053 is zero. If we rely on the government, which we've been obsessing about since the Civil War, understanding the Civil War, understand the Reconstruction, understand the Civil Rights Movement, understand the Second Reconstruction, I don't understand now. We are all up uptight, worked up about what's going on in Washington. Let's assume they get a deathbed conversion and they decide they love black people overnight. They don't give us welfare, they don't give us reparations, everything. That's not gonna happen. No. But it's worth 300

billion to a maximum of 600 billion dollars. Now hold that number by 2053. That's only 25 years from now. If you raise your credit score 100 points, black people have the lowest credit score on average in America, 620, which means half of us wake up in the morning locked out of their free enterprise system. Can't get a decent car loan.

You go to the car dealership, you get a Mercedes at 18% interest. It's not a Mercedes, it's Mercedes Payments. And it breaks down in four months because the number one way they make money is maintenance and finance department. They don't even make any money selling the car. They wait for you to bring it back, the natural literacy.

But if you get your credit score up 100 points, that's $750 billion by 2053. That's $150 billion more than the best estimate of the government's assistance. And we can do that by ourselves. Become homeowners. That's $800 billion. Separate from the $750 billion.

That's 1.5, give or take, trillion dollars. And that doesn't even require the government. We can do this ourselves. There's another trillion dollars on buying businesses. Am I going too far, too fast? No, please. They gotta do their research. They gotta look at this a few times.

But breaking down is, you know, there's tiers when it comes to credit. So like when you say somebody going to a car dealership and they're trying to buy, he said a Mercedes, it's a Mercy dealership, right? A Mercy note. So if your tier is four or five or six- Oh, forget about it. Your credit rate, if your car is usually $400 a month, it's gonna be $1,100 a month. But if you have tier one credit,

you probably have to put down less money, and you know there's only $400 of money, just based off your credit. Same thing with home ownership, same thing with credit cards that you buy at a store, whether it's Nordstrom, Sears, JCPenney, Macy's. So that's what he's saying as far as the tiers when it comes to credit.

Yeah, let's go one step further. Places where we grow up, check casher, next to a payday loan lender, next to a rent-a-own store, next to a title lender, as in the title of your car, pawn shop, liquor store, church down the street. The church your local therapist. They try to make sure you don't go cray cray once a week.

Make sure you don't go postal on Monday. All right? And by the way, poor white same thing. You go to a poor white rural neighborhood, check cash or payday loan in their rental store, title in their liquor store. They just pray, church, they just pray differently. They're quiet and we loud.

Oh, you got about the fried chicken spot too. Yeah, the curry house. Well yeah, fast food. Fast food, yeah, fast food. By the chicken spot too. Yeah, the curry house. Well, yeah. Fast food, fast food. Pop by or something. Yeah, fast food. By the way, you lived to 61 years of age. I mapped every zip code in America by credit score. You lived to 61 years of age

in a 500 credit score neighborhood. You lived to 81 years of age, 15 minutes apart in a 700 credit score neighborhood. You lived 20 year longer life because of your credit score. It's not about the credit score, it's the trending indicators underneath that, hope, well-being, faith, confidence, belief, optimism. Disease is often disease.

Yeah, keep your stress levels down. Keep your stress levels, so again, surviving mindset. You have a surviving mindset, you're stressed out, you're full of anxiety. If you hang around nine broke people, you'll be the 10th. You're up, you're toe up from the flow up, you're gonna die early and you're eating bad food. So this is a game, man.

What did Malcolm X say? We've been bamboozled, we've been tricked, we've been fooled, we've been hoodwinked. Here's one for you. Everybody wants to start a business, I love that. I've got this thing called One Million Black Business Initiative. Shopify put up $130 million after George Floyd's murder.

They just announced they're putting up another 60 million to help me get to 190 million. They can't be happier with all the businesses that are black businesses that are now on the Shopify platform. It's not DE and I, it's good business. By the way, the president of Shopify is speaking at the Martin Luther King Dream Forward Initiative,

Harley Finklestein. It's business for them, which is what we want now. Inclusive economics. Inclusive economics, which you helped me pioneer, by the way. So okay, so stick with that for a minute. So we are all these business people, they want to be business people now. They want to start a pizzeria or something. I need $50,000.

You do a GoFundMe or whatever it is, and you're hustling, and the bank won't give you the money, they want you to personally guarantee your house, all that stuff. It's easier. It is easier for somebody to go to Wall Street, which is where we are, and get financed a $20 million business with non-recourse debt,

which means you don't personally guarantee it, than it is to start a pizzeria with a $100,000 loan from the bank. Now that doesn't, that to your audience sounds absolutely crazy. Let me break it down. We have the first generation, our generation, where you're gonna have more people over 65 than under 18. These are white, wealthy, baby boomers, all trying to go retire and play golf at the same time. So there's about $400 trillion of wealth in the world,

about 180 trillion of that is in the United States, about 50 trillion of that was created since 2020. This is ridiculous numbers. 50 trillion of that was just created in the last 25 years. These baby boomers made a crap load of money. They're balling billionaires, sent to millionaires. They want to go play golf. They want to enjoy their life.

They want to be on their yacht. God bless them. They're all leaving the stage at the same time. 40% of this country is now black and brown. This is why everybody's nervous, by the way. Black and brown. This is the new entrance to the economy. Within 10 years, it's going to be a majority of minorities. By the way, a third of the These are the new entrants to the economy. Within 10 years, it's gonna be a majority of minorities.

By the way, a third of the economy is women, $7 trillion. So it's black, brown, women, right? Some people are nervous about who's taking over. This is a whole nother conversation, but this is fueling political, the political environment, by the way, in my opinion, which is what you're seeing in Washington. Go back to the numbers.

So now what's happening with this trade, the 100 trillion dollars worth of wealth, DJ Envy, is about to transition through inheritance in the next 10 years. The wives and the husbands and the kids wants the stocks, the bonds, the cash and the houses. They don't want the businesses. They're like, no, I'm good. I don't want, I don't understand it. I don't want the businesses. They're like, no, I'm good.

I don't want that. I don't understand it. I don't want to do it. I want to go enjoy my life. First generation makes it. Second generation spends it. Third generation loses it. But don't mind me with the facts.

I've already made up my mind. I want the cash. That means there's about $15 trillion. Please, audience, listen to this. This is making smart sexy at on scale there's 15 trillion dollars of profitable successful branded real estate having client having nothing wrong with them businesses that nobody wants go buy them they've they're already cash flowing. There's nothing wrong with them except

the kids and the family don't want them. Too comfortable. I don't know what it is, but it's an opportunity. That's what, so I think I started this by saying rainbows after storms. You cannot have a rainbow without a storm first. Don't look at a problem as a problem. Look at it as an opportunity. All capitalism is is solving problems. So, yes, it's going to get tight. We used to tight. Black folks are born on probation in America. You got to be twice as smart, twice as intelligent, twice as well dressed, get up twice as early, stay up twice as late, and work twice as hard, and hustle and get no credit for it. Okay,

what else is new? This is our life story. Everybody else is not used to problems. They're the ones that are gonna be dropping off of one story buildings. We're gonna counsel our white friends about calm down. This is gonna be okay. So I'm actually quite optimistic about the future. So. And what are you doing this weekend?

You're doing something special this weekend, correct? Dream forward a virtual town hall on financial inclusion. That's why I love John, because he always has a solution. He's not one of the people that's just always constantly talking about problems and trying to profit off the problems. He's creating solutions to the problems.

Yeah, so Dream Forward, thank you, Darlamin. Dream Forward, which you're involved in, and I would love to have all of you involved in, by the way, because you're all voices for this generation. This is a meeting between Republicans and Democrats. We have Senator Raphael Warnock who is a fifth chap pastor of Ebenezer Church and a Democratic senator. We have Mick Mulvaney, former chief of staff for Trump. We have the black Pope, Bishop TD Jakes. We have the man who was on the balcony with Dr. King, Ambassador Andrew Young. We have Dr black pope, Bishop TD Jakes. We have the man who was on the balcony,

Dr. King, Ambassador Andrew Young. We have Dr. King's daughter, Dr. Bernice A. King. She's a great person. We've got the mayor of Memphis, Paul Young, who's black now, by the way. We've got the CEO of Walmart. We've got Doug McMillan, who's co-chair of Financial Literacy for All,

which is doing the Green Sox Day. By the way, we can talk about, if you want DI, I'd be happy to talk about that as well. People misunderstood that as well, in my opinion. We've got- Our brother Killer Mike. Killer Mike, TI. Van Jones, I'm just going off the top of my head here.

Ray McGuire of Mazard. Tasana Duckett, who runs a two trillion dollar company called TIAACREF, which does basically pension funds, all your pension funds and investments accounts are probably with TIAACREF. It is an amazing lineup. I just talked to Dr. Ben Chavis this morning. There's 100 delegates, founding delegates,

of Mark Morial, the National Urban League. Everybody who you think of, or may or may not have known about who is at the top of the mark, they're going to be there. In fact, we just announced yesterday, the drop the mic keynote to walk out the stage is Sam Altman, who is the Steve Jobs of this generation.

That's AI. So it is a way to honor Dr. King, not by just marching in the streets, but cutting business deals in the suites. It is continuing his unfinished work of the Poor People's Campaign. It is his last book, Where Do We Go From Here? It's answering that with a dream forward. And there's no complaining.

There's no politics. There's no whining. There's no talking about politicians. This is about us moving forward for two hours, a positive plan, and we're gonna leap it. Tomorrow people will be able to download the business plans we wrote and you can have it, you can talk about it at the kitchen table, you can mark it up, change it, but this is full transparency. We wrote a plan, typically this happens behind full transparency. We wrote a plan. Typically, this happens behind closed doors. We've written these plans and they will be available to everybody as of

tomorrow morning. People can register at operational.org and actually listen to the global town hall. Roland Martin is going to be streaming it. You guys are going to be there. We've got an, I think the Associated Press is going to be there. We have all the networks who have moderators part of it. We've tried to be as inclusive as we can. We should scream it. Nick, we should scream it. What do you think about that?

We got a video yesterday from the new chairman of the Senate Bank Committee, Tim Scott, brother. And that's this week at what time? It's one to three p.m. Eastern Standard Time, April 4th. Today. Right, yeah. Today. Yeah, and it's noon to 2 Central Standard Time.

Dr. King, by the way, was assassinated April 4th, 1968 at 6 p.m. Central Time. That's the exact time. He actually had a pillow fight right before he was assassinated. He had just relaxed and he knew he was going be, he knew he was gonna be killed. The night before, it was the only time he ever collapsed on stage. He gave a speech called The Mountaintop. I've been to the mountain, I've seen the mountaintop,

I may not get there with you. He knew it. And he collapsed in Andrew Young and Jesse Jackson's arms and others and the next day, Andrew Young tells me they had this incredible pillow fight in the hotel, we'll be at the Lorraine Hotel by the way, I will tomorrow, I mean today. And he just thought it was eerie

that Dr. King was so light. And he walked on that balcony, boom, and the world changed. And what nobody knows is later on, the FBI told Ambassador Young, the instructions for the shooter was, if you miss the dreamer, kill the strategist. That's Andrew Young.

So he hasn't been able to sleep for all these years. The guy who created the Ozzie and the Herriville for black people in the world, Atlanta, Georgia is the only international city in the South. A $550 billion economy, the same size as Singapore, by the way, so we've proven we can build a world economy. The guy who did that, who brought the Olympics to Atlanta, the only mayor ever mentored by Dr. King, can't sleep.

So we owe him a debt, we owe all the heroes and sheroes and leaders who came before us a debt, we owe those who are trying to fight for our civil rights now a debt, to carry on this work, and not just to be about me, but to be about we. You can't just be selfish anymore. Like we have got to be about all of us and this is our time.

If you wanna be a part of history, you wanna feel like your life really mattered, it's right now, in my opinion. And there are answers to these questions. I mean, there's nothing that we talked about this morning that's rocket science. Tune in tomorrow, Dream Forward. How do they tune in again?

On virtual town hall on financial inclusion inclusion and what's the website again? You can tune in at OperationHope.org where you can register at OperationHope.org and it will stream. And hopefully the Breakfast Club and I Heart by the way is covering it. Black Information Network is covering it. We have many many many platforms. Again, Roland Martin is going to be covering it. We have many, many, many platforms. Again, Roland Martin is going to be covering it and we have our own stream. If you get lost, just go to OperationHope.org and there'll be instructions there. Or just follow Charlemagne. He'll be with us. But this is no time to be, I understand the stress and I understand this is serious.

But unless you're just gonna give up, throw your hands up, you might as well be positive about it. I can't guarantee you that being positive is gonna make you succeed. But I absolutely guarantee you that being negative is gonna make you fail. Absolutely. And these folks want you to give up, by the way.

They want you to throw your hands up. That's why they did all this stuff in the first 60 days was to flood the system, overwhelm you. You throw your hands up and you give up. No, no, we're not gonna give up. We're gonna double down. And we're gonna be a North Star. What I want at this meeting is civility.

I want us to be civil. I want us to be civil. I want us to be elegant. I want us to be intelligent. I want us to be thoughtful. Emory University has already signed up to work on the plan. They were so impressed with what we were doing. Their economics department said, this is a great plan. We, along with Clark Atlanta University Business School, will work to build this out for six months between now and the Hope Global Forum in December where we have another version

of the plan and everybody gets to participate in, not everybody, but the hundred delegates will get to participate and help to shape the plan. So what's going to be announced at the meeting is the framework of the business plan. I talked a little bit about that today. I mentioned there's 750 billion available just for black, this is the black American plan through credit score increases. We can do that ourselves.

I'm doing that at Operation Hope. Increasing credit score is 50 to 100 points. By the way, don't pay anybody to raise your credit, you don't need that, we do it for free. You can be a homeowner. 44% of black people own a home compared to 75% of our white counterparts. The number one way you build wealth in America

is home ownership. Brothers, we talking about. Oh, John O'Brien always talking about owning a home. I don't own the home. The bank owns the home. If you don't pay. In fact, if you don't pay, if I own the home, if I loan you the money,

I'm gonna own the home. Like capitalism, we've gotta stop being emotional also, man. Like capitalism is a gladiator sport. Here's capitalism. This is a table, you're on one side, DJ, I'm on the other. You're the capitalist, I'm the consumer. Your job is to extract as much money from me while giving me the other. You're the capitalist, I'm the consumer. Your job is to extract as much money from me while giving me the least.

My job is to pay you the least while getting the most. This is my job, and that is your job. And every successful negotiation is where everybody leaves it slightly annoyed. That's a success. You've been in real estate, you know that to be true. If somebody's too happy and somebody's too sad, somebody got messed over.

That's going into a car dealership in the hood, right? So it always drives me nuts when I hear these artists talking about, oh, all these, I'm gonna go to some taboo areas, oh, these Jews in music business. They robbing us First of all, you weren't saying that when you when they gave you the record contract and this is not the clan This is not this is not nobody forced you to sign a contract. Oh, you should have got your attorney It's that it's that business that person's job is to negotiate the best possible deal for

Themselves that I'm not to give you anything possible deal for themselves. They're not to give you anything. Their job is to take every dollar they can off that table. Your job is to read your contract. And negotiate. And negotiate. And you say, oh I don't want to, I just want to do music. Well you about to get robbed. Quincy Jones told me, God rest his soul, if you think you're in the music business and you don't own music rights, publishing rights, or licensing rights, or some kind of rights, you're're in the music business and you don't own music rights, publishing rights or licensing rights or some kind of rights, you're not in the music business. You're a temporary performer. It's a music business.

It's the business of music. So your job is to go to an attorney and read the contract, have it reviewed, come back with changes, red line notices. Charlamagne reads his contracts. I know that. Go back, say, no, I don't like this part. I don't like that part. I don't want that advance.

That's a loan. That's what it is. It's a loan. Negotiate. I want to, what they do in the NFL. I want a signing bonus. I don't want a loan. Renegotiate.

But you can't come back four years later because life didn't work out for you. And then say, you're a racist. All of a sudden, no, no, no, no. that's a good negotiator you should be applauding them actually they did their job so I'm just trying to make it plain like we have got to knock it off like we've got a when the rules are published in the playing field is level we kill it look at you guys you're the biggest in the planet because you know what you're doing. Sports, we kill it.

The arts, entertainment, music, we kill it. Faith, we kill it. Politics even, President of the United States, we kill it. Obama, we went to the top of the mark. Why can't we do it in capitalism? I mean, I'm just asking. It's not like we did it, we tried it and it didn't work. That's why I started out with these numbers

about the government. We've been obsessing about the government. We've been at this trough for too long. They're kicking us out, we should wanna leave. They're kicking us out. That's what's happening in Washington. But we should have left 40 years ago. To build our own.

That part. That's right. Well today, it's gonna be a financial inclusion. Dream Forward is a virtual town hall and we appreciate you for joining us, brother. Always, my brother. Thank you so much. I love you guys.

And make sure you subscribe to John O'Brien's podcast, the Money and Wealth podcast on the Black Effect iHeartRadio podcast network. You can get information like this all the time. By the way, it's top 5% of all podcasts. That's right. I was stunned. I was looking at it last night.

It's number 32 on entrepreneurship podcast for everybody on Apple and it's top 5%. So our people really do wanna know, how does this stuff work? They really do. I had 800 million video views in two years. Now that's nothing to you guys, but I'm talking about some boring topics.

Like for money? Is it? So every week something hits a million views, one of my videos gets, and people are like, you should look at it, it's like 2,000 shares, 8,000 shares, 10,000 shares.

People are, people wanna know how this game works. Tell me how this stuff works, John. But no one's broken down to them. I don't know what this is. Successful people, I can't figure it out. I don't know if we're hiding, I don't know if they're afraid, I don't know what it is.

They wanna keep it all to themselves. I was in, I can't. And John's giving it to people, not selling it to people. What difference? What did Jay-Z say I'm giving you? His 444 album was a financial literacy album. We're talking to him, by the way, about a partnership with financial literacy.

He said, I'm giving you a million dollars worth of game for 9.99. I'm giving you for none 99, right? I was at this meeting, which I can't say what the meeting was, but it was a very meeting of billionaires in Florida early last year

And I couldn't figure out why all these wealthy people Were discouraging homeownership I'm in this meeting and they Don't they want everybody to rent? And they're trying to tell me that people don't want to rent anymore and I'm like well you know I was born at night but not last night like I read the newspaper and I read report and I got data and my data says that most people actually want to own a home they don't know how to and I think I figured it out because it makes no sense to me that my rich friends would tell you not to

own a home own a home the rich people telling you not to own a home, own a home. The rich people telling you not to own a home, own probably three, by the way. This might be an interest. By the way, this is just capitalism. I'm not hating it. When you think about Uber, Lyft, I know, by the way, we partnered with Uber. I love Dana, the guy who's the CEO.

That's renting you a ride. You can rent an RV. Help me out here. You can rent dang near anything now. It could be that people are saying, you know what, we're gonna own all the houses and all the assets. You're renting to people.

You know, just rent. Just rent your life. Yeah. You know, your generation, you just wanna go have fun. Fine, if you wanna be ignorant, I'm sorry, if you wanna be cool. Yeah. Yeah. See what you did, you go rent your life.

We'll own it. We'll take care. Don't worry about it. We'll take care of it. By the way, I'm a landlord, but I want you to move from rent to own. I don't want you staying with me forever. I don't want you working at McDonald's for your entire life. I would say Walmart, but by the way, do you know that if you're a general manager

of a Walmart, you're making a million dollars a year? Did you know that? No, but thank you. That's stunning to me. If you're working one of these big box retailers, you're making as much as a million dollars a year? Almost passed out. There's opportunity everywhere. People have got to become obsessed with financial literacy and AI literacy. Everything is going to change by 20, 30, sorry, by the next five years.

If you got a high school education and you lazy and you chilling, you messed up. You tow up from the flow up. This world's gonna leave you absolutely behind. Van Jones will be at the meeting. Said that 99% of black people don't know a thing about AI. But 99% of white people don't know a thing about AI either. This is mutual discrimination.

And if you're an accountant, your job might be gone because AI is gonna remove it. If you're an attorney, your job might be gone. But if you can master artificial intelligence, everything's gonna change. You wanna ride the horse of how AI accounting's gonna be next or how law's gonna be next. Or you've seen robotics and automation technology

completely transform radio and media. So this stuff is changing underneath our feet. If you're working at a CVS or a grocery store, you went into one. Five years ago, 10 counter clerks at the grocery store, one tester line for a self checkout. Go to the same grocery store today. 10 self checkouts, one teller. Tell me I'm lying. No Go to see the as a Walgreens You might not see a teller at all at all go to the go to the go to the airport and go to the fast food

restaurant It's a tablet. Yeah, it's Yeah, it's happening right in Front of us folks have got to be obsessed about what we're talking about here. Your life literally depends on it. And if we master this, this country can't survive without black and brown people and women. God has a sense of humor. I'm done. When I was here last, I said this, but I'm gonna double down. It's never been in the history of the world. You cannot be a global

economy, you cannot be the world leader unless you're the economic leader. There's never been a superpower that wasn't the economic power at the same time. Rome, France, Germany, whoever it was, right? Britain. We're the world leader, we're the economic leader. There's never been a situation where we relied on minorities to sustain that. Ever. In 1950, America was 90% white. Not 1850. 1950. America's now incredibly diverse, and there's not enough college-educated,

successful white men to drive GDP, gross domestic product, for the next 20 years. There's just not enough of them. I want every one of them to be successful. There's just not enough of them. I want every one of them to be successful. There's just not enough of them. So unless we want to be speaking Mandarin in 20 years, my rich friends need my poor friends to do better if only to stay rich.

They actually need us. I'm gonna say something real crazy. Even the Klansmen, even the racist, the most racist white person you've ever met succeeds when we do. Well today, tune in to Dream Forward, a virtual town hall. On financial inclusion.

And we appreciate you for joining us. Sleuth Operation Hope, thank you John. It's John Hope Bryant. It's The Breakfast Club, good. Sleuth Operation Hope. Thank you, John. It's John Hope Bryant. It's the Breakfast Club, good morning. Wake that ass up. Early in the morning. The Breakfast Club. Hey all you Women's Hoops fans,

and folks who just don't know yet that they're Women's Hoops fans. We've got a big week over at Good Game with Sarah Spain as we near the end of one of the most exciting women's college basketball seasons ever. The most parody we've seen in years, with games coming down to the wire and everyone wondering which team will be crowned

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I don't do what I do only for women. I do it for everyone. And I want the whole market. And innovators like Jenny Nguyen. I would say 50% of the people that come and visit the Sports Bra aren't sports fans. They come to be in community. They come to be part of this culture. Courtside with Laura Karenty

is an iHeart Women's Sports production in partnership with Deep Blue Sports and Entertainment. Listen to Courtside with Laura Karenty on the iHeart Radio app, Apple podcasts, or wherever you get your podcasts. Presented by Elf Beauty, founding partner of iHeart Women's Sports. Have you ever wondered if your pet is lying to you? Why is my cat not here? And I go in and she's eating my lunch.

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