Latest / Earn Your Leisure / EYL #277 Thasunda Brown Duckett: Leading A Firm With $1.2 Trillion AUM, Being Fortune 500 CEO, & 401k Myths

Transcript

EYL #277 Thasunda Brown Duckett: Leading A Firm With $1.2 Trillion AUM, Being Fortune 500 CEO, & 401k Myths · Earn Your Leisure

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  Speaker 1: An illegal alien from Guatemala charged with raping a child
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  Speaker 1: in Massachusetts. An MS thirteen gang member from Al Salvador
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  Speaker 1: accused of murdering a Texas man of Venezuelan charged with
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  Speaker 1: filming and selling child pornography in Michigan. These are just
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  Speaker 1: some of the heinous migrant criminals caught because of President
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  Speaker 1: Donald J.
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  Speaker 2: Trump's leadership.
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  Speaker 1: I'm Christy nom the United States Secretary of Homeland Security.
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  Speaker 1: Under President Trump, attempted illegal border crossings are at the
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  Speaker 1: lowest levels ever recorded, and over one hundred thousand illegal
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  Speaker 1: aliens have been arrested. If you are here illegally, your
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  Speaker 1: next you will be fined nearly one thousand dollars a day, imprisoned,
• 0:41
  Speaker 1: and deported.
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  Speaker 2: You will never return.
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  Speaker 1: But if you register using our CBP home app and
• 0:47
  Speaker 1: leave now, you could be allowed to return legally. Do
• 0:50
  Speaker 1: what's right.
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  Speaker 2: Leave now.
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  Speaker 1: Under President Trump, America's laws, border and families will be protected.
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  Speaker 3: Sponsored by the United States Department of Homeland Security.
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  Speaker 4: Sometimes we have this mindset that it's an either or,
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  Speaker 4: So if someone wants to do corporate.
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  Speaker 2: Almost be an entrepreneur, you could do that corporate thing.
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  Speaker 2: Is it just me?
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  Speaker 4: Nobody says that you know, right, yep, you right, you know,
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  Speaker 4: it's like yeah.
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  Speaker 2: And I again, I operate. It's a wee thing.
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  Speaker 4: I want more entrepreneurs. I want more people in corporate America.
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  Speaker 4: I want people participating in the political environment. I want
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  Speaker 4: people to be passionate about giving back in philanthropy and activism.
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  Speaker 4: The reason why I just share that is because this
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  Speaker 4: through line that I'm going to answer, it has nothing
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  Speaker 4: to do with your rented vision. It has everything to
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  Speaker 4: do with your ownable assets. And whether I am in
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  Speaker 4: corporate America or an entrepreneur, I'm still operating with ownable assets.
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  Speaker 5: Well, first and foremost, thank you to Tia Kraft for
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  Speaker 5: putting this together.
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  Speaker 6: And thank you for sure.
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  Speaker 5: We've been running each other for a long time, so
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  Speaker 5: it's good that we actually now have an opportunity to
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  Speaker 5: have a conversation that we've been looking forward to for
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  Speaker 5: a very long period of time.
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  Speaker 6: So thank you for being generous with your time.
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  Speaker 7: And I told you this backstage, but every time we
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  Speaker 7: run into each other, and I think it's important that
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  Speaker 7: you hear this and everybody here is that you've always
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  Speaker 7: found a way to pour into us, encourage us to
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  Speaker 7: do more. And so that's always given us fuel, right
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  Speaker 7: watching somebody and you know where you're at in your career,
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  Speaker 7: to see us and see the work we're doing and
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  Speaker 7: understanding the importance of it, but to recognize it and
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  Speaker 7: to pour into us to say this.
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  Speaker 6: More and how can I help be greatly appreciate it?
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  Speaker 6: So thank you again? Yeah, So I want to start.
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  Speaker 5: So you know, I think your accomplishments shouldn't be minimized
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  Speaker 5: as far as you know, being the CEO of a
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  Speaker 5: company that manages over one point two trillion dollars.
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  Speaker 6: For sure.
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  Speaker 5: I believe the only black seover fortune one hundred company.
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  Speaker 5: I think there's only been three in history when it
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  Speaker 5: comes to a fortune of five hundred companies. So you're
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  Speaker 5: in very rare air and you don't really have many
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  Speaker 5: if you don't have any payers, So what is your
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  Speaker 5: journey to get to where you are now? And they
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  Speaker 5: used to work for Chase and you know a couple
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  Speaker 5: other institutions. So there's a lot of young people in
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  Speaker 5: the audience and I'm sure in a lot of times
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  Speaker 5: they hear you know these things, but what are the
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  Speaker 5: actionable items?
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  Speaker 6: What's your path that you took to become a CEO?
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  Speaker 6: Of correct.
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  Speaker 2: Well, first, it's just such a privilege to.
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  Speaker 4: These two amazing men that are making impact around the
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  Speaker 4: world to ensure that millions of people.
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  Speaker 2: Can earn their leisure. You all give them another round
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  Speaker 2: of apply.
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  Speaker 4: We were talking in order to make impact, you have
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  Speaker 4: to disrupt, and if you're not disrupting, then you're not
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  Speaker 4: shifting the game. And I just have a lot of
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  Speaker 4: gratitude to see what you all are doing, and it's
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  Speaker 4: inspiring to see how you are connected with young people
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  Speaker 4: and giving them a different narrative on how to make
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  Speaker 4: sure that they can grab the bag and keep the
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  Speaker 4: bag and see the bag compound.
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  Speaker 2: So in terms of my story, I want to take
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  Speaker 2: it back because I think it's important for all of
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  Speaker 2: you to.
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  Speaker 4: Have contexts, especially in this environment. I know, at a
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  Speaker 4: very young age it was clear to me that I
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  Speaker 4: am on the shoulders of giants. I understand that my intellect,
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  Speaker 4: my passion, and my vision was not necessarily sufficient to
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  Speaker 4: be here. There had to be so many people that
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  Speaker 4: paved away and cracked ceilings for me to be in
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  Speaker 4: this seat. And so I am absolutely grounded in the understanding,
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  Speaker 4: and I like to say that it doesn't escape.
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  Speaker 2: Me in corporate America.
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  Speaker 4: That it was the cooks, the janitors, and the secretaries
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  Speaker 4: that introduced my g in, my melanin to corporate America.
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  Speaker 4: And so the reason why I share that context is
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  Speaker 4: in the words of Otis Brown. People may see your glory,
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  Speaker 4: but they don't know your story. It's important to make
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  Speaker 4: sure that you see people and understand that there were
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  Speaker 4: people that may not have this amazing rented title that
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  Speaker 4: paved the way for me to exist.
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  Speaker 2: That's less than one.
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  Speaker 4: Be grounded in contexts, especially in your history, and let
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  Speaker 4: your history fuel your passion in terms of how I
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  Speaker 4: got here. That's step one. Step two is Otis and
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  Speaker 4: Rosie Brown. When you have a father who worked in
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  Speaker 4: a warehouse, scanning boxes and driving trucks, and you have
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  Speaker 4: a mother who's an educator, when you understand that you
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  Speaker 4: are first generation integration. My parents grew up in this
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  Speaker 4: segregated South. But Otis Brown told me at a very
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  Speaker 4: young age to reach for the moon because even if
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  Speaker 4: you miss, you would be among the stars. This is
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  Speaker 4: a man that scanned boxes. So in order to be
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  Speaker 4: in this seat, not understanding what that fully meant, I
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  Speaker 4: just knew that my dad had an expectation that he
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  Speaker 4: didn't even understand what that could realize. Values My mother
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  Speaker 4: angered me and my character and my faith and making
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  Speaker 4: sure that I understood that you should see everyone. And
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  Speaker 4: how can I only always look for someone that has
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  Speaker 4: a rented title when the people that inspired me grew
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  Speaker 4: up in the segregated South, and when a man who
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  Speaker 4: is my hero did not have a college education. The
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  Speaker 4: reason why I share this as it relates to my
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  Speaker 4: business journey is because so many times, when you reach
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  Speaker 4: a level of success, you tend to start your journey
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  Speaker 4: with your first career, or you start your journey with
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  Speaker 4: where you graduated.
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  Speaker 2: But I want to start my journey with the truth.
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  Speaker 4: And the truth is I'm on the shoulders of giants.
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  Speaker 4: The truth is a man who did not have an
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  Speaker 4: education but was brilliant has a lot to do with
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  Speaker 4: why am I here today?
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  Speaker 2: Fast forward? I love sports.
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  Speaker 4: Sports played a really important role in my life. You know,
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  Speaker 4: on any given day, everyone plays a role grit, tenacity, teamwork, perseverance,
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  Speaker 4: and so this mindset of teamwork really played a role
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  Speaker 4: in my life as someone who played basketball and played
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  Speaker 4: volleyball and really was surrounded by brothers that played sports.
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  Speaker 4: So what shifted for me the power of information. There
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  Speaker 4: is a woman and man by the name of mister
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  Speaker 4: and Miss Patterson, and they told me about in Roads.
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  Speaker 4: Anyone familiar with Inroads, okay, I am a product of Inroads.
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  Speaker 4: For those of you who do not know, in Roads
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  Speaker 4: is a program that provides students exposure to corporate America,
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  Speaker 4: especially underrepresented groups. And so without the power of information,
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  Speaker 4: I never even heard the word corporate America. And so
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  Speaker 4: I share that as an insight because you all are
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  Speaker 4: getting information every day at your university, give it away freely.
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  Speaker 4: The power of information led me to being in this chair.
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  Speaker 4: The second piece that changed the course of my life
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  Speaker 4: within information was the power of advocacy. So with Inroads,
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  Speaker 4: they basically interview you companies then decide they want one
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  Speaker 4: intern or ten, and accompanyed by the name of Fanny
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  Speaker 4: May that's in the housing sector, had one intern. And
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  Speaker 4: when they interviewed me in a host of other students,
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  Speaker 4: they chose their one intern.
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  Speaker 2: And who do you think it was? Who? No, her
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  Speaker 2: name was Sarah, But.
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  Speaker 4: A woman by the name of Valerie Manning, who was
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  Speaker 4: there to interview students, went back and said these words
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  Speaker 4: that changed my life.
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  Speaker 2: But there's this other girl.
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  Speaker 4: The reason, yes, the reason why I share this story
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  Speaker 4: is because Valerie Manning did not have this massive title.
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  Speaker 4: You did not get extra credit for saying, let me
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  Speaker 4: give you another intern.
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  Speaker 2: But for whatever reason.
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  Speaker 4: Valerie Manning advocated for me when I didn't even understand.
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  Speaker 2: What advocacy was about.
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  Speaker 4: And because Valerie Manning said, but there's this other girl,
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  Speaker 4: Fanny May added the second intern. And that was my
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  Speaker 4: introduction into corporate America. And I worked there for many
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  Speaker 4: years and then an opportunity came to join JP Morgan Chase,
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  Speaker 4: and so I joined JP Morgan Chase.
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  Speaker 2: I had many jobs.
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  Speaker 4: I moved moved, starting in mortgage because that was my passion.
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  Speaker 2: I moved around.
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  Speaker 4: I ended up running the entire mortgage mortgage sales team,
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  Speaker 4: and then I was tapped to be the CEO of Auto,
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  Speaker 4: first African American woman or first African American to run
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  Speaker 4: a line of.
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  Speaker 2: Business at the company.
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  Speaker 4: I then moved into becoming the CEO of the Consumer Bank,
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  Speaker 4: and then an opportunity came for me to lead TIAA.
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  Speaker 4: And so the message here is information, give it away freely,
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  Speaker 4: because you could be given information to a young girl
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  Speaker 4: that would become the first woman.
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  Speaker 2: CEO of TIAA. You could be given.
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  Speaker 4: Information to someone that just continued to make history. Give
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  Speaker 4: away information and then advocacy. Do not wait for your
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  Speaker 4: rented title to feel like you have power. You have
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  Speaker 4: power to advocate and always be okay advocating even when
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  Speaker 4: someone is not asking for you to advocate or may
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  Speaker 4: not even understand it. You may be the reason that
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  Speaker 4: history is made. And so for that I'm incredibly grateful
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  Speaker 4: And here I am today.
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  Speaker 7: Yes yes, yes, yes, so you are here and you
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  Speaker 7: are a first one of two CEO females a fortune
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  Speaker 7: five hundred company, and being first there comes a certain
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  Speaker 7: level of I guess the word you use backstage was
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  Speaker 7: vulnerability and their scrutiny and it's complexities that come with that.
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  Speaker 7: So how have you managed that throughout your career? Because
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  Speaker 7: it's not easy to be the first one in a
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  Speaker 7: space where you don't have contemporaries, you don't have anybody
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  Speaker 7: that kind of looks like you or it looks like you.
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  Speaker 7: And who do you know as your trust circle? Who
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  Speaker 7: do you find as somebody that you can rely on
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  Speaker 7: for information? How do you know who has your best interest?
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  Speaker 2: Like?
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  Speaker 6: What are these complexities like for you in that space.
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  Speaker 2: Wow, So y'all ready to unpack this.
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  Speaker 6: Let's do it.
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  Speaker 2: Let's do it.
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  Speaker 4: The first thing that I would say to you is
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  Speaker 4: again something that I really believe in. I always say publicly,
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  Speaker 4: I rent my title. I own my character, and so
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  Speaker 4: understanding that I am the first, I also understand that
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  Speaker 4: it's rented. And the reason why I say that is
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  Speaker 4: so important is because I show up with my character
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  Speaker 4: because I own that, and that gives me confidence, It
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  Speaker 4: gives me swagger, it gives me something that no one
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  Speaker 4: can take away from me. Because my character is perseverance,
• 12:32
  Speaker 4: it's grit, it's tenacity, it's understanding history, it's being humble
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  Speaker 4: yet confident. It's understanding that it's a we thing. That
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  Speaker 4: I do nothing by myself, and so that to me
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  Speaker 4: is so important. When you're stepping into rooms where you're
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  Speaker 4: the only or you're stepping into environments where you will
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  Speaker 4: be the first, I also have this mindset that I
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  Speaker 4: am never by myself, and when I walk into a room,
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  Speaker 4: I'm like, come on, Shirley, come on, Harriet, come on,
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  Speaker 4: Rosie Brown, come on, Madison Duckett, McKenzie Ducket. My point
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  Speaker 4: is Sometimes when you are in a room and you
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  Speaker 4: are the only one, sometimes you have to know that
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  Speaker 4: you're not, that there is an army and there is
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  Speaker 4: history that is cheering you on, and so put your
• 13:24
  Speaker 4: shoulders back and say, I'm in this room because I
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  Speaker 4: belong and I have something to say and I have
• 13:30
  Speaker 4: value to add. You have to pour on yourself because
• 13:33
  Speaker 4: sometimes in these roles people are not pouring on you
• 13:36
  Speaker 4: and everyone is not rooting for you. Next, who are
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  Speaker 4: you surrounding yourself with? You cannot be the first and
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  Speaker 4: stay if you are not building a powerful moat of
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  Speaker 4: individual leaders that align with your vision, that are clear
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  Speaker 4: on their assignment and their contribution and are saying we
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  Speaker 4: want to go on this journey with you. Because therefore,
• 14:05
  Speaker 4: in order to have staying power, you have to make
• 14:08
  Speaker 4: sure that you're surrounding yourself with people that understands your
• 14:12
  Speaker 4: minor to your major, that will give you insight and
• 14:16
  Speaker 4: perspective to make sure that there's something that you may
• 14:20
  Speaker 4: need to know and here's how or I can take
• 14:23
  Speaker 4: care of this, because if not, you can be walking
• 14:25
  Speaker 4: in into an environment where you think you can do
• 14:27
  Speaker 4: it all yourself and you're just walking onto goal. You
• 14:30
  Speaker 4: know land mines every step of the way. So surround
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  Speaker 4: yourself with people that have same values, different perspectives, different
• 14:39
  Speaker 4: mindset and empower them and unlock them. Let thoroughbds run.
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  Speaker 4: Do not be afraid. That's very important. And then lastly,
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  Speaker 4: as a leader, I would say, it's not easy. It's
• 14:53
  Speaker 4: not easy when you are the first of anything, and
• 14:55
  Speaker 4: clearly you know being the first as an African American,
• 14:59
  Speaker 4: as a woman, people will have their own mindset on
• 15:03
  Speaker 4: why you're in the seat. And so something that Rosie
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  Speaker 4: Brown told me at a very young age is when
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  Speaker 4: someone is talking about you or have a view about
• 15:17
  Speaker 4: you that is not true. It is like someone sending
• 15:20
  Speaker 4: something into the mail for you that does not have
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  Speaker 4: your name on it, and what do you do?
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  Speaker 2: You return it to sender.
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  Speaker 4: And so when people may look at me and say
• 15:30
  Speaker 4: why are you here? You know what program or what this,
• 15:37
  Speaker 4: I just say they're lazy. They did not do their homework.
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  Speaker 4: They did not see that I have three degrees. They
• 15:42
  Speaker 4: did not see the performance or the track record, They
• 15:45
  Speaker 4: did not see the ability to recruit and retain amazing talent.
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  Speaker 4: So they are lazy in their research, which I would
• 15:52
  Speaker 4: take pause if they're lazy in their research.
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  Speaker 2: And so my point to all of you is that
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  Speaker 2: it is not easy.
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  Speaker 4: It's not easy to be and it's not easy to
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  Speaker 4: not just be the first, but to be someone that
• 16:03
  Speaker 4: wants to make impact, to be someone that sees everyone
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  Speaker 4: in a room and want to unlock everyone's talent.
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  Speaker 2: That's not easy. But when you know that you are
• 16:13
  Speaker 2: here for a reason, and when you.
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  Speaker 4: Know that the assignment is not the rented title, the
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  Speaker 4: assignment is impact, then you align yourself with wonderful people.
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  Speaker 4: You're clear on the vision for the company. You deliver
• 16:27
  Speaker 4: those results for the company, but you also look at
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  Speaker 4: the way in which we will deliver a results will
• 16:32
  Speaker 4: be lasting impact. And I think that's really important for me,
• 16:36
  Speaker 4: And it's important to make sure that I'm surrounding myself
• 16:39
  Speaker 4: with people that understand and that continues to encourage me,
• 16:43
  Speaker 4: have my back and support me as you're going through
• 16:46
  Speaker 4: a journey. And the goal is to not celebrate being
• 16:49
  Speaker 4: one of two. To me, I'm thankful, I have gratitude,
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  Speaker 4: but I'm also frustrated because I know that there's more
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  Speaker 4: than two black women that are qualified to.
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  Speaker 2: Do amazing work.
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  Speaker 4: I know that there's more than fifty two or fifty
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  Speaker 4: three women running a fortune five hundred that can make impact.
• 17:13
  Speaker 4: I understand that the first or the second or the
• 17:17
  Speaker 4: third is not the assignment. Is when there's a fourth
• 17:20
  Speaker 4: fifty six, ten, thirty, fifty percent of women running companies,
• 17:25
  Speaker 4: that is when we can say we're here. And by
• 17:29
  Speaker 4: the way, this is not an either or, and I
• 17:32
  Speaker 4: think it's so important in this environment to say that
• 17:38
  Speaker 4: I want to see more women who has done the
• 17:42
  Speaker 4: work that is qualified.
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  Speaker 2: That can make impact. I want that number to grow.
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  Speaker 4: I also believe that when we unlock full talent, we'll
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  Speaker 4: create in birth new companies in this country, will unlock
• 17:56
  Speaker 4: new innovations in this country. I believe that when you
• 17:59
  Speaker 4: expand the pie, the pie expand.
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  Speaker 2: So this is not an either or.
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  Speaker 4: In order for us to continue to be relevant and
• 18:05
  Speaker 4: add value around the globe, we have to unlock everyone's
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  Speaker 4: talent and not look at it as a lose position,
• 18:13
  Speaker 4: but look at it as an end. And I think
• 18:15
  Speaker 4: that's an important point when we're talking about equity or meritocracy.
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  Speaker 4: It's not the expense at the expense of someone else
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  Speaker 4: not getting the shot, it's what pie can be expanded
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  Speaker 4: as a result of letting the players play and let
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  Speaker 4: the best win.
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  Speaker 5: So piggybacking on for that point post George Floyd, Corporate
• 18:36
  Speaker 5: America pledged billions of dollars to black businesses, black entrepreneurs,
• 18:40
  Speaker 5: black startups. A vast majority of that money has been rescinded.
• 18:47
  Speaker 5: The court system is tearing apart affirmative action to the
• 18:50
  Speaker 5: point where it's almost decimated. A lot of your counterparts
• 18:55
  Speaker 5: have been very vocal ONDI, and.
• 19:01
  Speaker 6: They're anti it to say it nicely.
• 19:04
  Speaker 5: So you, as a leader in corporate America, what is
• 19:08
  Speaker 5: your thoughts on that current position diversity, equity and inclusion.
• 19:14
  Speaker 6: What does it mean to you? What does it mean
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  Speaker 6: to your organization?
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  Speaker 5: And I would like to hear your view points on it,
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  Speaker 5: because we've heard a lot of other people share.
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  Speaker 6: Their views lately.
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  Speaker 4: Yes, I mean, if you break this apart, diversity is beautiful.
• 19:34
  Speaker 4: If you break this apart, equity is beautiful. If you
• 19:39
  Speaker 4: break this apart, inclusion.
• 19:43
  Speaker 2: Is impactful.
• 19:45
  Speaker 4: And so when I think about diversity, equity and inclusion,
• 19:51
  Speaker 4: those were beautiful words.
• 19:54
  Speaker 2: Objectives vision to.
• 19:57
  Speaker 4: Be able to say, how can we have a company
• 20:01
  Speaker 4: that can cast the widest net to truly have an
• 20:06
  Speaker 4: inclusion for everyone, and I think that unfortunately the narrative
• 20:14
  Speaker 4: and the polarization of it is getting in the way
• 20:21
  Speaker 4: of what are we really here to solve context.
• 20:25
  Speaker 2: Are y'all with me? What is the root cause?
• 20:29
  Speaker 4: And as a leader, you always want to understand the
• 20:33
  Speaker 4: root cause for anything.
• 20:35
  Speaker 2: The root cause, the root cause is that we have started.
• 20:41
  Speaker 4: And if I make this about corporate America and an
• 20:43
  Speaker 4: exclusionary mindset, we've started with the exclusion of women. We
• 20:49
  Speaker 4: started with the exclusion of people of color, or with
• 20:52
  Speaker 4: the exclusion of people with different abilities, and so over time,
• 21:00
  Speaker 4: with a fight in policies and laws and voices, we
• 21:05
  Speaker 4: have worked to address an exclusionary structure to be more inclusive.
• 21:13
  Speaker 4: Put this in perspective, the first female CEO did not
• 21:19
  Speaker 4: happen until the nineteen seventies, the decade in which I
• 21:22
  Speaker 4: was born. The first put this in perspective, The first
• 21:29
  Speaker 4: that we had a policy at the federal level for
• 21:33
  Speaker 4: maternal leave.
• 21:35
  Speaker 2: Maternity leave was in the nineties.
• 21:39
  Speaker 4: To put this in perspective, Ada American with Disabilities Act
• 21:44
  Speaker 4: in terms of policies for people with different abilities did
• 21:47
  Speaker 4: not happen until the nineties. I see, your mouth just
• 21:51
  Speaker 4: dropped you see that you're like what, And so when
• 21:54
  Speaker 4: you think about what we're doing and where we are today,
• 21:58
  Speaker 4: we are young and new to this structure of inclusion.
• 22:06
  Speaker 2: And so whenever you are here to make progress, it's
• 22:09
  Speaker 2: going to have a bumpy line.
• 22:11
  Speaker 4: Progress is never straight, and right now it is really hard.
• 22:16
  Speaker 4: But I think it's important for leaders, and I would
• 22:18
  Speaker 4: say for us at TIA, it goes back to our values.
• 22:22
  Speaker 4: Regardless of what you want to call it. Our values
• 22:26
  Speaker 4: is that we want to cast the widest net. It's
• 22:29
  Speaker 4: our understanding of if we cast a wide net, and
• 22:35
  Speaker 4: we may be introducing new employees into our ecosystem, there
• 22:40
  Speaker 4: may be policies or practices that we.
• 22:43
  Speaker 2: Didn't understand could have a negative impact.
• 22:46
  Speaker 4: And so by understanding and getting proximant to saying what's
• 22:49
  Speaker 4: getting in the way. Like when women entered the workforce
• 22:51
  Speaker 4: going out of maternity leave, there should be a policy,
• 22:55
  Speaker 4: but you didn't understand that because you didn't have women.
• 22:56
  Speaker 2: In the workplace.
• 22:57
  Speaker 4: And so I think when we really talk about diverse
• 23:00
  Speaker 4: to the equity and inclusion, it is about opening up
• 23:03
  Speaker 4: the aperture of talent. It is about then looking at
• 23:06
  Speaker 4: your policies and practices to say, are there is there
• 23:10
  Speaker 4: anything that's getting in the way that can unt that
• 23:13
  Speaker 4: would not unlock someone's potential?
• 23:15
  Speaker 2: Is there someone with a different ability?
• 23:17
  Speaker 4: Think about eightya that can't navigate up and downstairs?
• 23:20
  Speaker 2: So maybe we should have.
• 23:21
  Speaker 4: A ramp or really make sure that every building has
• 23:23
  Speaker 4: an elevator so that they can be their best version
• 23:26
  Speaker 4: and that we can recruit them and they will stay
• 23:28
  Speaker 4: because we didn't make it unbearable for them to come
• 23:31
  Speaker 4: to work every day.
• 23:33
  Speaker 2: And so now more than ever, we are.
• 23:34
  Speaker 4: In a diverse global world that's inside our workforce. Now
• 23:39
  Speaker 4: more than ever, we are in a time where we
• 23:42
  Speaker 4: have inner generations all working together.
• 23:46
  Speaker 2: So of course there's.
• 23:47
  Speaker 4: Going to be different views, different mindsets. There's going to
• 23:50
  Speaker 4: be a lot of concern and anngst. But I say
• 23:53
  Speaker 4: as a leader that when you go back to your
• 23:55
  Speaker 4: values of it as a company that says I want
• 23:58
  Speaker 4: to cast the whitest net to compete lawlobally, I understand
• 24:02
  Speaker 4: that the rate of change is happening so quickly that
• 24:05
  Speaker 4: if I am not staying on top of what I need,
• 24:07
  Speaker 4: I can miss it and that can have a long
• 24:09
  Speaker 4: term impact. I need to understand the diverse perspectives of
• 24:13
  Speaker 4: the people in my workforce to make sure that what
• 24:16
  Speaker 4: we are about as a company is something that's resonating
• 24:19
  Speaker 4: with the generations of today, tomorrow and the future. And so, yes,
• 24:25
  Speaker 4: there's a lot going on, but we cannot get tired
• 24:27
  Speaker 4: about the problem we're really trying to solve. And I
• 24:30
  Speaker 4: would just say that if you really break it all down,
• 24:32
  Speaker 4: the word diversity is not a bad word. Equity is
• 24:36
  Speaker 4: not a bad word, Inclusion is not a bad word.
• 24:41
  Speaker 4: The opportunity to unlock talent is something that I think
• 24:44
  Speaker 4: as leaders we must double down on. If we want
• 24:47
  Speaker 4: to compete, we have to compete, and in order to compete,
• 24:51
  Speaker 4: we need to look all around the country to find
• 24:54
  Speaker 4: the talent. And so it is it's heavy to know
• 25:00
  Speaker 4: that sometimes the narrative or what people say can feel
• 25:03
  Speaker 4: like a direct attack on my be.
• 25:08
  Speaker 2: That sometimes it could.
• 25:09
  Speaker 4: Feel will my children be seen for the content of
• 25:15
  Speaker 4: their character, not the color of their skin? But I
• 25:17
  Speaker 4: want them to see them. So it is heavy, but
• 25:21
  Speaker 4: we cannot get tired. And as leaders, I think we
• 25:23
  Speaker 4: have to continue to align with the values of your
• 25:26
  Speaker 4: company to understand that things are hard.
• 25:30
  Speaker 2: It's not in a straight line. But are we on
• 25:32
  Speaker 2: the right side of impact and growth? Are we on
• 25:35
  Speaker 2: the right side? Are wanting to do good in the community?
• 25:38
  Speaker 4: Are we on the right side and wanting to make
• 25:40
  Speaker 4: sure that our employees can feel safe and protected everyone?
• 25:43
  Speaker 4: Are we on the right side of unlocking ideas and
• 25:46
  Speaker 4: thoughts and making sure we get counter narratives and don't
• 25:49
  Speaker 4: shut down voice, but open up voice in order to
• 25:51
  Speaker 4: make sure that we can unlock the future. So it's
• 25:54
  Speaker 4: a lot going on, but I can't get tired. We
• 25:57
  Speaker 4: can't get tired, and we have to just always go
• 26:00
  Speaker 4: to the root cause and understand our why and don't
• 26:04
  Speaker 4: let the narratives that are not aligned to the spirit
• 26:08
  Speaker 4: of what we're trying to do distract. And I know
• 26:10
  Speaker 4: it's really tough because there's a lot of polarization and
• 26:13
  Speaker 4: that many companies have to pivot and address. And there's
• 26:16
  Speaker 4: many ways to pivot without losing sight of the main thing.
• 26:19
  Speaker 4: And for us at TIA, we are committed to unlocking
• 26:22
  Speaker 4: the very best talent and understanding that the best talent
• 26:26
  Speaker 4: looks like me and do not look like me. The
• 26:29
  Speaker 4: best talent is black, white, Hispanic, Muslim, Christian Republican Democrat
• 26:38
  Speaker 4: born in this country, not born in this country, but
• 26:40
  Speaker 4: they're wearing one jersey, and that's the Tia jersey. And
• 26:43
  Speaker 4: that has to be the connective tissue that I think
• 26:45
  Speaker 4: we get back to as leaders.
• 26:51
  Speaker 6: Yeah.
• 26:52
  Speaker 7: I love the word context because when you give context,
• 26:55
  Speaker 7: especially to a younger audience of students, it allows them
• 26:59
  Speaker 7: to get a historical perspective that it also allows them
• 27:02
  Speaker 7: to move in the future the more intentionality. Yes, And
• 27:05
  Speaker 7: when I hear you speak, I hear two things for sure,
• 27:08
  Speaker 7: and I hear purpose, I passion, and I hear well
• 27:11
  Speaker 7: three things. I hear intent as well. And so a
• 27:13
  Speaker 7: lot of times, you know, we get asked the question, well,
• 27:16
  Speaker 7: how do I know my purpose or how do I
• 27:18
  Speaker 7: differentiate between purchase, passion and purpose. At what point in
• 27:23
  Speaker 7: your journey did you have to differentiate or did you
• 27:26
  Speaker 7: or are you made aware of the difference and decided
• 27:30
  Speaker 7: to go purpose driven life.
• 27:34
  Speaker 2: I mean, purpose is only valuable if the goal is impact.
• 27:41
  Speaker 4: And so my purpose is to inspire and make positive impact.
• 27:47
  Speaker 2: And I say that because there's no.
• 27:52
  Speaker 4: For me, there's no other explanation for me sitting here
• 27:55
  Speaker 4: talking to earn your leisure.
• 27:57
  Speaker 2: You know I am from the South.
• 27:59
  Speaker 4: You know my mom is an educator, my dad druve
• 28:02
  Speaker 4: trucks and scanned boxes.
• 28:03
  Speaker 2: I'm first generation integration.
• 28:05
  Speaker 4: You know, I went to schools in the South, but
• 28:07
  Speaker 4: I work in New York in the largest financial center.
• 28:11
  Speaker 2: You know, I didn't know people. You know, I wasn't connected.
• 28:15
  Speaker 2: You know, I understand struggle.
• 28:17
  Speaker 4: I know what it's like to open up your refrigerator
• 28:19
  Speaker 4: and only see bacon, soda and wonder how are we
• 28:22
  Speaker 4: going to make a meal. I understand what it's like
• 28:25
  Speaker 4: for your parents to do their very best when their
• 28:28
  Speaker 4: best is not sufficient. Anybody feel me on that.
• 28:32
  Speaker 2: I understand that, and so I am fueled with purpose.
• 28:38
  Speaker 4: And what I know for sure is that as a
• 28:40
  Speaker 4: leader in corporate America, as a leader who's passionate about
• 28:44
  Speaker 4: financial impact, to earn your leisure, to secure the bag,
• 28:49
  Speaker 4: to get your paper right, the only way that I
• 28:53
  Speaker 4: can do that is to be stepfast on purpose, because
• 28:56
  Speaker 4: it is not easy. And the only way for me
• 28:59
  Speaker 4: to say why am I here?
• 29:01
  Speaker 2: Why me?
• 29:03
  Speaker 4: Is because I believe that there is something higher for
• 29:06
  Speaker 4: me to do, and I think the work to do
• 29:08
  Speaker 4: is to try to do my part to make sure
• 29:10
  Speaker 4: that we can address financial inequality, to make sure that
• 29:13
  Speaker 4: all Americans.
• 29:14
  Speaker 2: Can retire with dignity.
• 29:16
  Speaker 4: I've only played in financial services my entire career, even
• 29:20
  Speaker 4: though I wasn't raised with financial service in the financial
• 29:23
  Speaker 4: service sector, and so purpose and impact, I think has
• 29:27
  Speaker 4: always been in me. And I think that the older
• 29:31
  Speaker 4: that I've gotten and to make.
• 29:33
  Speaker 2: It all make sense.
• 29:35
  Speaker 4: It made sense when I aligned with purpose and then
• 29:38
  Speaker 4: I was able to be okay with the accolades. You
• 29:41
  Speaker 4: know sometimes because you all go to these amazing universities here,
• 29:44
  Speaker 4: and you know, when someone says, oh my gosh, you
• 29:46
  Speaker 4: are amazing, like, I'm just trying to make it. Anybody
• 29:49
  Speaker 4: with that, I'm just okay. Think it's not just me.
• 29:52
  Speaker 4: Anyone has tried to like dim your light a little
• 29:54
  Speaker 4: bit because you couldn't accept the fact that you are
• 29:56
  Speaker 4: first generation in college, or you couldn't, you know, accept
• 29:59
  Speaker 4: the fact that you're this amazing college so you would
• 30:01
  Speaker 4: dim your light when you go home.
• 30:02
  Speaker 2: Or is it just me? Okay, Okay. The reason why
• 30:06
  Speaker 2: I say that on purpose.
• 30:07
  Speaker 4: And impact is because I would be like, oh, it's just.
• 30:10
  Speaker 2: You know, t round. I'm just you know, trying to.
• 30:12
  Speaker 4: Make it until I could connect with purpose, because I
• 30:16
  Speaker 4: couldn't own that shine until I can understand the why
• 30:21
  Speaker 4: because I'm not here for the.
• 30:22
  Speaker 2: Shine, so it felt uncomfortable.
• 30:25
  Speaker 4: But when I was able to connect my why to
• 30:29
  Speaker 4: purpose and impact, oh yes, let's let's go, let's grow,
• 30:33
  Speaker 4: let's make impact, let's make decisions. Let's, you know, think
• 30:36
  Speaker 4: about this next hill we can climb for the company.
• 30:39
  Speaker 2: So my point is to you is.
• 30:41
  Speaker 4: That purpose and impact made it all make sense to me.
• 30:47
  Speaker 4: Purpose and impact makes it okay when you know you're
• 30:51
  Speaker 4: going to take body shots. Purpose and impact makes it
• 30:56
  Speaker 4: okay when you know that everyone is not going to
• 30:59
  Speaker 4: like your existence, but you exist anyway. Purpose and impact
• 31:04
  Speaker 4: is what has allowed me to have this fire in
• 31:08
  Speaker 4: my belly to not dim my light because it is
• 31:11
  Speaker 4: meant to shine. It is meant to make positive impact.
• 31:15
  Speaker 4: Purpose and impact is my why I want to talk
• 31:20
  Speaker 4: to young people. Why I do my best to be
• 31:25
  Speaker 4: seen so that you can see what you can be
• 31:28
  Speaker 4: that you may not see every day. Because I don't
• 31:31
  Speaker 4: want anyone opting out of corporate America because you don't
• 31:34
  Speaker 4: see yourself.
• 31:36
  Speaker 2: I don't want women.
• 31:37
  Speaker 4: Opting out because they don't believe they can do it
• 31:39
  Speaker 4: if they want to have a family. I don't want
• 31:42
  Speaker 4: people to think that you do it by yourself, which is.
• 31:44
  Speaker 2: Why I talk about my husband.
• 31:46
  Speaker 4: You know, it's a wee thing and so purpose and
• 31:50
  Speaker 4: impact for me makes being a CEO of an amazing
• 31:54
  Speaker 4: company makes sense. And to be at a company that's
• 31:59
  Speaker 4: also mission driven, to me, it's the connective tissue of
• 32:04
  Speaker 4: exactly where I'm supposed to be because my values in
• 32:07
  Speaker 4: my why, I get to lead a company that shares
• 32:11
  Speaker 4: in those values, and I get to accelerate impact in
• 32:15
  Speaker 4: my humble opinion, because I get to align myself with
• 32:18
  Speaker 4: people that have a shared mission of what we're trying
• 32:20
  Speaker 4: to do.
• 32:21
  Speaker 2: So purpose and impact makes it all make sense. Y'all
• 32:23
  Speaker 2: with me?
• 32:28
  Speaker 5: So let me ask you about the hottest topic in
• 32:31
  Speaker 5: the world right in their artificial intelligence?
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  Speaker 5: Today, they said over twenty five percent of the jobs
• 36:44
  Speaker 5: globally well be cut or replaced by artificial intelligence over
• 36:50
  Speaker 5: the next ten years. Over the next twenty years, reports
• 36:53
  Speaker 5: of forty percent forty percent of every single job in
• 36:55
  Speaker 5: the world could be impacted by artificial intelligence.
• 37:00
  Speaker 6: Your world, we.
• 37:01
  Speaker 5: See robo advisors, yep, a lot of different things that's happening.
• 37:05
  Speaker 5: What's your perspective on AI and the financial services sector
• 37:09
  Speaker 5: and how are you currently using AI to grow the company?
• 37:13
  Speaker 5: And yeah, what's the pathway for your company and artificial intelligence?
• 37:18
  Speaker 2: I mean AI is a topic for every CEO.
• 37:21
  Speaker 4: I know you all just got back from Davos and
• 37:23
  Speaker 4: that was the topic, and so let's unpack it first. Clearly,
• 37:29
  Speaker 4: for a company like ourselves that are long term investors,
• 37:33
  Speaker 4: it's important that as we think about AI, we also
• 37:37
  Speaker 4: think about risk and protection.
• 37:39
  Speaker 2: It's about data. AI at the root, it's about.
• 37:43
  Speaker 4: Data and making sure that you have the underlining chassis
• 37:48
  Speaker 4: to make sure that you have clean data, that you
• 37:51
  Speaker 4: have the underlining chassis to make sure you're protecting the
• 37:54
  Speaker 4: data and to make sure you're spending a lot of
• 37:56
  Speaker 4: time thinking about risk and cited as I am about
• 38:02
  Speaker 4: AI and generative AI, I think it's important as a
• 38:06
  Speaker 4: leader and for all of you to be thinking first
• 38:08
  Speaker 4: about what is the risk, so that we're spending a
• 38:12
  Speaker 4: lot of time understanding.
• 38:14
  Speaker 2: The second piece is.
• 38:15
  Speaker 4: That AI is not like this technology department. AI is
• 38:20
  Speaker 4: cutting across every role, every job, and so the way
• 38:24
  Speaker 4: we think about it at TIAA is to look at
• 38:28
  Speaker 4: use cases. How can we think about AI and at
• 38:32
  Speaker 4: every level of our company, every division, every department to
• 38:36
  Speaker 4: accomplish a few things. One, how can we use AI
• 38:40
  Speaker 4: to empower our own people? And so, yes, there will
• 38:43
  Speaker 4: be a shift in jobs, but that is not new either.
• 38:46
  Speaker 4: You know, technology change the game, but jobs still prevailed,
• 38:51
  Speaker 4: and so I do think that we can't think about
• 38:53
  Speaker 4: it as if it's again a.
• 38:55
  Speaker 2: Lose win scenario.
• 38:57
  Speaker 4: When history tells us whenever there's been a shift, we've
• 39:01
  Speaker 4: created a new economy and we educated and prepared workers for.
• 39:05
  Speaker 2: That new economy.
• 39:07
  Speaker 4: And so it is in our best interest to make
• 39:09
  Speaker 4: sure that we are not scaring people but empowering through
• 39:13
  Speaker 4: educating and taking people on the journey of how AI
• 39:17
  Speaker 4: will make employees jobs easier so that they can focus
• 39:20
  Speaker 4: on the things that they really love. So efficiency companion
• 39:24
  Speaker 4: is an opportunity. I also think that AI will open
• 39:28
  Speaker 4: up new ideas and new innovation when you just think
• 39:31
  Speaker 4: about the power and the compounding aspects of what this
• 39:34
  Speaker 4: technology is already doing.
• 39:35
  Speaker 2: And you're already seeing use cases.
• 39:37
  Speaker 4: You're seeing it in human resources, you're seeing it in marketing,
• 39:39
  Speaker 4: and so AI is already here. And for us, we
• 39:42
  Speaker 4: see AI already when we look at our call centers
• 39:46
  Speaker 4: and how AI is helping us get smarter about the
• 39:48
  Speaker 4: type of call so that we can respond to our
• 39:51
  Speaker 4: participants faster, smarter and not having them to reauthenticate themselves
• 39:56
  Speaker 4: over and over because you can use AI, so there's
• 39:58
  Speaker 4: so many use cases that can prove and delight the
• 40:01
  Speaker 4: client experience, which is also important. So efficiency, employee experience,
• 40:08
  Speaker 4: client experience, innovation.
• 40:12
  Speaker 2: Future today is AI.
• 40:15
  Speaker 4: But it is something that I think we have to
• 40:17
  Speaker 4: make sure that all employees understand because it's scary what
• 40:21
  Speaker 4: does this mean for me? And I think it's important
• 40:24
  Speaker 4: for us to take them on a journey. For us
• 40:26
  Speaker 4: at TIA, we want to educate our employees. We provide
• 40:29
  Speaker 4: opportunities for any employee to get exposure to technology, learn
• 40:34
  Speaker 4: how to code, learn how to understand cybersecurity, all the
• 40:37
  Speaker 4: things around technology and where we think the puck is going,
• 40:39
  Speaker 4: so that we can make sure that our existing workforce
• 40:42
  Speaker 4: is prepared for where we're going in a way that
• 40:45
  Speaker 4: we can reskill, retrain, and open up that aperture of
• 40:48
  Speaker 4: talent in a way that they can feel confident they
• 40:50
  Speaker 4: can go from this role to that role.
• 40:52
  Speaker 2: But the key is intellectual curiosity.
• 40:55
  Speaker 4: I do think the opportunity for all of us, and
• 40:57
  Speaker 4: I would say this for young people once you you
• 41:00
  Speaker 4: have not stopped learning.
• 41:02
  Speaker 2: The objective, especially.
• 41:03
  Speaker 4: When you think about AI and generative AI, is this
• 41:06
  Speaker 4: intellectual curiosity.
• 41:08
  Speaker 2: You're not going to out google Google.
• 41:11
  Speaker 4: There is nothing that you can memorize that surri got you.
• 41:16
  Speaker 4: But the most important thing that you own is how
• 41:18
  Speaker 4: you think about something, how you apply it, how it
• 41:23
  Speaker 4: can unlock a problem that we're trying to solve. And
• 41:27
  Speaker 4: so the most important thing that I would share with
• 41:29
  Speaker 4: all of you is to stay curious and do not
• 41:32
  Speaker 4: be afraid of the technology. Embrace it, but make sure
• 41:36
  Speaker 4: that we're all thinking about it in a responsible way.
• 41:39
  Speaker 4: And finally, I would say embrace and understand as leaders
• 41:43
  Speaker 4: is yesterday's compliance and governance is not today's or tomorrow's.
• 41:48
  Speaker 4: And so we also have to make sure that we're
• 41:50
  Speaker 4: investing in our lines of defense and making sure that
• 41:52
  Speaker 4: we're calibrating not just the issues of today, but also
• 41:56
  Speaker 4: protection for tomorrow. And I think AI is in the
• 41:58
  Speaker 4: center of that opportunities.
• 42:00
  Speaker 2: So I'm excited about AI.
• 42:02
  Speaker 4: I'm excited about what it can mean for what we
• 42:04
  Speaker 4: do and who we serve, and what it can unlock.
• 42:07
  Speaker 4: But it needs to be in a responsible way. It
• 42:09
  Speaker 4: needs to be in a way that we take our
• 42:11
  Speaker 4: employees on.
• 42:12
  Speaker 2: A journey, in a way that we can.
• 42:13
  Speaker 4: Evote confidence and not fear in the technology.
• 42:17
  Speaker 7: It's interesting we were in Dabbles and they were talking
• 42:19
  Speaker 7: about generations who feared technology, and they brought the analogy
• 42:24
  Speaker 7: of the typewriter and people fear in the computer.
• 42:28
  Speaker 6: Yes, And they said, you.
• 42:29
  Speaker 7: Know what, we don't know what we're going to do
• 42:31
  Speaker 7: with our going to have jobs until you realize that
• 42:34
  Speaker 7: everybody is sitting in front of a computer. And then
• 42:36
  Speaker 7: they said, there was a mail room, but we got emails,
• 42:39
  Speaker 7: so that's not we're going to need that as much
• 42:41
  Speaker 7: until you have twenty thousand emails. Yes, right, and so
• 42:44
  Speaker 7: we should just just be mindful and educate ourselves on it.
• 42:47
  Speaker 7: But there are some things that will affect this generation
• 42:50
  Speaker 7: and our generation. Inflation, yes, student loan debt, mortgage rates,
• 42:57
  Speaker 7: all these things that these young adults here with sitting
• 43:02
  Speaker 7: before us. Now we'll have to face at what point,
• 43:05
  Speaker 7: Since TIAA is known for retirement, at what point should
• 43:09
  Speaker 7: these young adults start to think or get education around
• 43:13
  Speaker 7: retirement retirement planet.
• 43:15
  Speaker 4: Okay, I'm gonna give y'all a quiz. Is it today
• 43:18
  Speaker 4: or once I'm sixty five? I should think about retirement today?
• 43:23
  Speaker 2: Y'all are ready? Okay, let's repack this.
• 43:25
  Speaker 4: There's a word that I want you all to write down,
• 43:29
  Speaker 4: memorize telefriend phone a frame.
• 43:31
  Speaker 2: It starts with the C.
• 43:32
  Speaker 4: Does anybody know the word compounding? A dollar a day
• 43:37
  Speaker 4: is worth more than a dollar what tomorrow? And so
• 43:41
  Speaker 4: when you think about where you all are going, let's
• 43:44
  Speaker 4: talk about your post graduation. The context in the backdrop
• 43:48
  Speaker 4: is correct inflation, globalization, geopolitical unrest, student loan debt. We
• 43:57
  Speaker 4: also know that African Americans have a proportionate of debt
• 44:02
  Speaker 4: in terms of student loans, and so when you look
• 44:05
  Speaker 4: at all of this, it can feel daubting. But here
• 44:08
  Speaker 4: are the steps. Step one, especially when it comes to preparing.
• 44:13
  Speaker 2: When you get your.
• 44:14
  Speaker 4: First job, y'all are gonna y'all are gonna send me
• 44:18
  Speaker 4: a note on the side because you're gonna do this
• 44:20
  Speaker 4: and tell me about it. Your very first job. They're
• 44:23
  Speaker 4: gonna give you your job offer. Here's your money. The
• 44:26
  Speaker 4: first thing that I want you to do is to
• 44:29
  Speaker 4: look at your benefit package and to make sure you
• 44:32
  Speaker 4: maximize your four to one K or your four to
• 44:34
  Speaker 4: three B. Why compounding, but also many companies match it.
• 44:41
  Speaker 2: So unless you're okay leaving.
• 44:43
  Speaker 4: The coins on the table because you're only going to
• 44:46
  Speaker 4: do three percent instead of the max, start the max.
• 44:49
  Speaker 4: Why because tomorrow's check is way more than you have today.
• 44:53
  Speaker 4: The minute you see the money you have allocated. But
• 44:57
  Speaker 4: if day one you say max me out, you're going
• 45:01
  Speaker 4: to do two things. One, you're going to say, you
• 45:04
  Speaker 4: know what, because I want all of the benefits that
• 45:07
  Speaker 4: I'm entitled to. I don't want to leave any of
• 45:09
  Speaker 4: the coins on the table, So you're going to get
• 45:11
  Speaker 4: that because of the match.
• 45:13
  Speaker 2: And two it's because I.
• 45:16
  Speaker 4: Understand that if I compound with this match and then
• 45:19
  Speaker 4: whatever I bring home is more than I've ever had today.
• 45:22
  Speaker 4: Then as my income rise, I'm already preparing for my
• 45:25
  Speaker 4: retirement and I'm taking full advantage of the benefit of
• 45:29
  Speaker 4: the money that the company is matching. Don't leave the
• 45:31
  Speaker 4: money on the table unless you're comfortable and you got
• 45:33
  Speaker 4: it like that, that's fine. So first thing you're going
• 45:37
  Speaker 4: to do is what.
• 45:39
  Speaker 2: Max it out.
• 45:41
  Speaker 4: That's where you get your full value. That is something
• 45:43
  Speaker 4: that I do want to emphasize. That's something that I
• 45:45
  Speaker 4: did when I first started. I was making twenty six
• 45:48
  Speaker 4: thousand dollars a year, but that was twenty six thousand
• 45:52
  Speaker 4: dollars more than I may on Sunday when I graduated.
• 45:56
  Speaker 4: And to do that immediately, I didn't miss it because
• 45:59
  Speaker 4: all of my raises and everything was already working for me.
• 46:03
  Speaker 2: So that's the thing when you think about this vision
• 46:06
  Speaker 2: of retirement.
• 46:07
  Speaker 4: So many times people say young people don't want to
• 46:09
  Speaker 4: talk about retirement. Don't nobody think about it. I'm like,
• 46:12
  Speaker 4: don't underestimate young people. Young people care about the climate.
• 46:16
  Speaker 4: Young people are thinking about the future in a way
• 46:19
  Speaker 4: that we never even understood. So let's not put our
• 46:22
  Speaker 4: bias on this generation. How many of you all want
• 46:27
  Speaker 4: to make sure that you have generational wealth, all of you.
• 46:31
  Speaker 4: I'm gonna ask another question. All right, we can do
• 46:33
  Speaker 4: the clap, snap, raise hand whatever. I don't know or
• 46:37
  Speaker 4: earn your vision, but whatever it is, it's a clap.
• 46:41
  Speaker 2: Okay, it's a clap.
• 46:43
  Speaker 4: How many of you all understand what struggle looks like
• 46:46
  Speaker 4: when your parents or grandparents or auntie did the best
• 46:49
  Speaker 4: that they can right now and it's hard. Yeah, how
• 46:55
  Speaker 4: many of you don't want to transfer debt but you
• 46:58
  Speaker 4: want to transfer wealth? So we should talk about retirement.
• 47:06
  Speaker 4: I want to shift how you dream. I want to
• 47:11
  Speaker 4: shift the dream from when I graduate. I'm gonna get
• 47:14
  Speaker 4: that real nice car, big Time Series because I see
• 47:19
  Speaker 4: you know we gonna leave it at that right, you know.
• 47:22
  Speaker 6: I see, please, please, you know what I mean.
• 47:25
  Speaker 2: But you know I see how this is and how
• 47:29
  Speaker 2: that is.
• 47:29
  Speaker 4: So I'm going to do that first. I want to
• 47:33
  Speaker 4: shift your mindset. And remember what you just told me.
• 47:36
  Speaker 4: You said you want to build wealth. You said that
• 47:42
  Speaker 4: you want to lighten the burden on your family in
• 47:45
  Speaker 4: a way that maybe your parents couldn't lighten the burden
• 47:48
  Speaker 4: on themselves. A brand new car, which is a depreciating
• 47:52
  Speaker 4: asset day one of graduation does not align with what
• 47:56
  Speaker 4: you just said.
• 47:58
  Speaker 2: So make it make sense.
• 48:00
  Speaker 4: If you say that you want to make sure that
• 48:05
  Speaker 4: you can have a better future or take care of mom.
• 48:10
  Speaker 4: Flexing on that very expensive rented apartment that you show
• 48:13
  Speaker 4: everybody the amenities that is not in your name is
• 48:16
  Speaker 4: not the flex.
• 48:19
  Speaker 6: Not the flex.
• 48:22
  Speaker 4: So if and you see him, be like oh no,
• 48:24
  Speaker 4: oh no, already shifting.
• 48:27
  Speaker 2: Dreams and goals already.
• 48:28
  Speaker 4: My point is on this post graduation, remember what you
• 48:33
  Speaker 4: said you want it, and do a regression to your
• 48:36
  Speaker 4: decisions the minute you graduate. Make sure you have your
• 48:41
  Speaker 4: game plan in place. Make sure that you're saying I
• 48:45
  Speaker 4: want to get educated on stocks and bonds and alternatives.
• 48:50
  Speaker 4: I want to make sure I maximize my retirement. Make
• 48:54
  Speaker 4: sure you understand tax strategies.
• 48:56
  Speaker 2: Please write that down.
• 48:58
  Speaker 4: Make sure you understand how a retirement vehicle like an
• 49:02
  Speaker 4: IRA has taxed advantages for you.
• 49:06
  Speaker 2: Please write that down.
• 49:09
  Speaker 4: My point is, have a plan on how you're going
• 49:13
  Speaker 4: to attack the decision that you made around student debt.
• 49:19
  Speaker 2: You invested in yourself.
• 49:21
  Speaker 4: I don't think that's a negative. You invested in yourself
• 49:25
  Speaker 4: and you made it work. The best way you knew
• 49:27
  Speaker 4: how shift your mindset and say, therefore, I have to
• 49:32
  Speaker 4: have a budget to take care of that debt and
• 49:36
  Speaker 4: attack it.
• 49:37
  Speaker 2: My point is having a vision of the life that.
• 49:43
  Speaker 4: You deserve, a life that maybe you couldn't even imagine,
• 49:48
  Speaker 4: start with the decisions you make in your early twenties.
• 49:52
  Speaker 4: It starts with the mindset that you're honing as a
• 49:56
  Speaker 4: college student. Because if you graduate and have it mature
• 50:00
  Speaker 4: towards your mindset, it's not what you make, it's what
• 50:03
  Speaker 4: you keep, and it's what you compound, you're not going
• 50:06
  Speaker 4: to be ready. And so my advice to all of
• 50:08
  Speaker 4: you the student loan debt was your investment in self.
• 50:14
  Speaker 2: Embrace it.
• 50:15
  Speaker 4: You already did it, figure out your game plan, allocate
• 50:19
  Speaker 4: for that. Don't start your first check with a depreciating asset.
• 50:26
  Speaker 4: Start with all the tips you're hearing from these two
• 50:29
  Speaker 4: fine gentlemen, and make sure you think about investing and saving.
• 50:34
  Speaker 4: Make sure you have that Randy day fund, because how
• 50:36
  Speaker 4: many of you all know you can't call mom to
• 50:38
  Speaker 4: help pay for these things, so you have to plan
• 50:42
  Speaker 4: for that.
• 50:43
  Speaker 2: And then with retirement.
• 50:45
  Speaker 4: Let me give you the stat which is why it's
• 50:47
  Speaker 4: important for today to have the conversation, forty percent of
• 50:50
  Speaker 4: all Americans, all Americans to not have enough for a
• 50:55
  Speaker 4: secure retirement. For African Americans, it's much more pronounced. Women
• 51:01
  Speaker 4: retire with thirty percent less. And so that's why I say,
• 51:06
  Speaker 4: do you want to transfer wealth or debt? Make it
• 51:09
  Speaker 4: make sense If you don't make the decisions today, you're
• 51:12
  Speaker 4: basically saying, if I have a family, they'll take care
• 51:16
  Speaker 4: of me and figure it out because I'm not going
• 51:19
  Speaker 4: to worry about it, and I'll give them the debt.
• 51:23
  Speaker 4: I'm saying to you all, we don't want that. We
• 51:26
  Speaker 4: don't want to transfer debt to our children. We want
• 51:28
  Speaker 4: to transfer wealth, and that's making sure that they don't
• 51:31
  Speaker 4: have to worry. Because you can say, I'm good. I
• 51:34
  Speaker 4: have enough to take care of all of my hopes
• 51:37
  Speaker 4: and dreams, and I even have enough to transfer to
• 51:39
  Speaker 4: you because I've made decisions at twenty two, because I
• 51:43
  Speaker 4: had vision in mind. I thought about my future self
• 51:48
  Speaker 4: and I actually thought about my reality, and I looked
• 51:50
  Speaker 4: in my community.
• 51:52
  Speaker 2: And I said I can be better.
• 51:53
  Speaker 4: True story, y'all know I talked about Otis Brown, right,
• 51:58
  Speaker 4: my hero. My dad worked for over forty plus years
• 52:03
  Speaker 4: doing his best, even when his best was not sufficient financially.
• 52:08
  Speaker 4: When I graduated from college, we happened to have a
• 52:12
  Speaker 4: conversation and he showed me his retirement package.
• 52:17
  Speaker 2: When the daughter has.
• 52:18
  Speaker 4: To look at a father who's full of pride and say, Dad,
• 52:24
  Speaker 4: this is not enough, you're basically saying I'll have to
• 52:28
  Speaker 4: take care of you. Otis Brown had a pension, but
• 52:34
  Speaker 4: he never contributed one dollar to his four h one
• 52:36
  Speaker 4: k plan, and it was a very generous plan with
• 52:40
  Speaker 4: a lot of match not one dollar. And for the
• 52:46
  Speaker 4: daughter to tell a father who did his best, that hurt.
• 52:51
  Speaker 4: And it also angered me because I said, why didn't
• 52:56
  Speaker 4: someone empower think about the man scanning boxes and making
• 53:03
  Speaker 4: sure that it wasn't just a flyer. But to go
• 53:06
  Speaker 4: to an Otis Brown and say, I know that you
• 53:10
  Speaker 4: are doing the best for your children.
• 53:13
  Speaker 2: Here is something you need to do. And when people
• 53:15
  Speaker 2: tell me people don't have people.
• 53:18
  Speaker 4: Robin Peter Paypad they're trying to make it work. I
• 53:20
  Speaker 4: don't buy into that. Because Otis Brown after his daughter
• 53:23
  Speaker 4: told him, he immediately maxed out, immediately.
• 53:27
  Speaker 2: Tried to do the catchup. I don't know how he
• 53:29
  Speaker 2: made it.
• 53:29
  Speaker 4: Remember I was making twenty six thousand dollars. He didn't
• 53:32
  Speaker 4: know he was going to have a CEO daughter, but
• 53:36
  Speaker 4: he took the information and he immediately.
• 53:38
  Speaker 2: Act upon it.
• 53:38
  Speaker 4: I don't know how they made it work, but what
• 53:41
  Speaker 4: Otis Brown did not want is to have information and
• 53:45
  Speaker 4: not take advantage of it when it was not going
• 53:47
  Speaker 4: to be helpful to his daughter and his sons.
• 53:50
  Speaker 2: And so let's not have this narrative that you don't
• 53:52
  Speaker 2: bring information.
• 53:53
  Speaker 4: To people because they may be at this level of
• 53:56
  Speaker 4: the economy, don't count their coins because they know how
• 53:58
  Speaker 4: to make a dollar out of fifteen and since because
• 54:00
  Speaker 4: they've been doing that, And so why not make sure
• 54:03
  Speaker 4: that we're bringing this information to the Otis Browns. And so,
• 54:06
  Speaker 4: as a CEO I think about an Otis Brown every
• 54:09
  Speaker 4: day and say, am I bringing this information to people
• 54:13
  Speaker 4: that are like my father making it the best way
• 54:16
  Speaker 4: they can and don't think they can do it? But
• 54:19
  Speaker 4: no one connected the dots on what the impact of
• 54:22
  Speaker 4: that lack of decision will mean. And so I hope
• 54:25
  Speaker 4: I'm making sense to all of you because this is
• 54:27
  Speaker 4: real talk. I'm not telling you what I think, I'm
• 54:30
  Speaker 4: not telling you what I lead. I'm telling you what
• 54:33
  Speaker 4: I have lived, and I'm telling you you all have
• 54:37
  Speaker 4: an opportunity to secure the bag today and compound the
• 54:43
  Speaker 4: bag tomorrow if you make the right decisions.
• 54:47
  Speaker 2: And you shift your mindset on what am I going
• 54:52
  Speaker 2: to do to align with my true dreams?
• 54:54
  Speaker 4: And I fundamentally believe young people do want to talk
• 54:57
  Speaker 4: about long term planning have to do it in a
• 55:00
  Speaker 4: way that's relatable and in a way that they can connect.
• 55:04
  Speaker 2: Am I relating? Okay, So.
• 55:14
  Speaker 5: We talk a lot about entrepreneurship, Yes, but that's our path.
• 55:18
  Speaker 5: But your path is different as far as on the
• 55:20
  Speaker 5: corporate world. Yes, you worked your way up to the
• 55:22
  Speaker 5: highest level. What advice would you give to anybody that
• 55:28
  Speaker 5: wants to go into corporate America and reach the highest
• 55:33
  Speaker 5: level of success in corporate America?
• 55:36
  Speaker 2: You know, you know what's interesting?
• 55:39
  Speaker 6: And I know.
• 55:42
  Speaker 4: Sometimes we have this mindset that it's an either or
• 55:47
  Speaker 4: so if someone wants.
• 55:47
  Speaker 2: To do corporate I'm gonna be a entrepreneur.
• 55:49
  Speaker 6: You could do that corporate thing?
• 55:51
  Speaker 8: Is it just me?
• 55:51
  Speaker 4: Nobody says that, you know, righty right? You know, it's
• 55:56
  Speaker 4: like yeah, and I again, I operate. It's a wee thing.
• 56:00
  Speaker 4: I want more entrepreneurs, I want more people in corporate America.
• 56:06
  Speaker 4: I want people participating in the political environment. I want
• 56:10
  Speaker 4: people to be passionate about giving back in philanthropy and activism.
• 56:15
  Speaker 4: The reason why I just share that is because this
• 56:17
  Speaker 4: through line that I'm going to answer, it has nothing
• 56:20
  Speaker 4: to do with your rented vision. It has everything to
• 56:23
  Speaker 4: do with your ownable assets. And whether I am in
• 56:27
  Speaker 4: corporate America or an entrepreneur, I'm still operating with ownable
• 56:30
  Speaker 4: assets because the reality is, even to be an entrepreneur,
• 56:34
  Speaker 4: you're tapping back into corporate America.
• 56:37
  Speaker 2: The reality is, even in corporate America, you're tapping.
• 56:40
  Speaker 4: Into entrepreneurs as you think about your supply chain, as
• 56:44
  Speaker 4: you think about your investment strategy, as you think about
• 56:47
  Speaker 4: new businesses that are being formed that can be accretive
• 56:49
  Speaker 4: to your business. So my advice to me transcends whatever
• 56:55
  Speaker 4: your rented vision is, and that is.
• 57:00
  Speaker 2: Never dim your life.
• 57:02
  Speaker 4: The struggle will be there whether you're an entrepreneur or
• 57:05
  Speaker 4: in corporate there's days people see they think it's all fun,
• 57:09
  Speaker 4: but it's tough to be a leader in corporate America
• 57:13
  Speaker 4: or to start a business. It's important to plan to
• 57:18
  Speaker 4: make sure that you're prepared for the ups and downs.
• 57:20
  Speaker 4: Corporate America does not do a straight line. Entrepreneurship does
• 57:23
  Speaker 4: not run in a straight line. To make sure you
• 57:27
  Speaker 4: surround yourself with a strong team and know that no
• 57:30
  Speaker 4: matter how dope.
• 57:31
  Speaker 2: You are, you don't know everything.
• 57:34
  Speaker 4: Be okay being vulnerable and saying these are my majors.
• 57:38
  Speaker 4: I need to surround myself with people that complemented my
• 57:41
  Speaker 4: minors in order for me to make impact.
• 57:45
  Speaker 2: Stay intellectually curious.
• 57:48
  Speaker 4: Make sure that you lead in a way that can inspire,
• 57:52
  Speaker 4: even if it's a team of one. You have to
• 57:55
  Speaker 4: operate with the vision in mind. You're not looking at
• 57:59
  Speaker 4: I don't look at a company for today. I'm operating
• 58:01
  Speaker 4: with a bigger vision in mind. And I think that's
• 58:03
  Speaker 4: true for entrepreneurship. You're not operating in today. You're operating
• 58:06
  Speaker 4: with a vision in mind, and then you're regressing to
• 58:08
  Speaker 4: say what's the dot to be done today?
• 58:10
  Speaker 2: And so for those of you that are looking.
• 58:12
  Speaker 4: To pursue a career in corporate America, when we need you,
• 58:18
  Speaker 4: we need your ideas, we need your perspective, we need
• 58:23
  Speaker 4: your insight. And it's not your major that's the flex
• 58:30
  Speaker 4: because there's so many people majoring in what you're majoring in.
• 58:33
  Speaker 2: Some of you are in computer science, finance, etc. That's
• 58:36
  Speaker 2: not the unicorn.
• 58:38
  Speaker 4: The unicorn is you, because there is no one like
• 58:42
  Speaker 4: you with your headset, with your background, with your perspective.
• 58:44
  Speaker 4: So what I would also say, especially in corporate America,
• 58:47
  Speaker 4: make sure you're not hiding and only doing the work
• 58:50
  Speaker 4: of being the finance person or the analyst, and you're
• 58:53
  Speaker 4: not bringing your voice to the table, because that's your differentiator.
• 58:57
  Speaker 4: The difference in companies that are accelerating and those are
• 59:02
  Speaker 4: declining is not that they didn't hire people that have
• 59:04
  Speaker 4: finance degrees or their lawyers or their risk managers.
• 59:07
  Speaker 2: That's not the thing.
• 59:09
  Speaker 4: The thing for me is that did I unlock their perspective?
• 59:14
  Speaker 4: And I think, more than ever in corporate America, perspective
• 59:18
  Speaker 4: is the differentiator. How do I think about this is
• 59:22
  Speaker 4: the question not my qualifications, but what did the qualifications
• 59:27
  Speaker 4: yield to honing how I think? And so for corporate America,
• 59:30
  Speaker 4: I would say that. Lastly, I would say, in corporate America,
• 59:32
  Speaker 4: it's not easy. There will be things that you may
• 59:35
  Speaker 4: be passionate in and then you go do your research
• 59:38
  Speaker 4: and you don't see anyone that look like you. Okay,
• 59:41
  Speaker 4: level up, maybe you're the one that's supposed to be
• 59:44
  Speaker 4: the first in order for there to be a second.
• 59:47
  Speaker 4: Don't only go to where you already see yourself if
• 59:50
  Speaker 4: that's not what you love.
• 59:52
  Speaker 2: Say you know what I want to go here. I
• 59:54
  Speaker 2: know it won't be easy, but this is what I
• 59:56
  Speaker 2: love and I will not be denied. Not be denied.
• 1:00:02
  Speaker 4: You may have a manager that may not be great,
• 1:00:06
  Speaker 4: but I'm not opting out on my vision for me.
• 1:00:09
  Speaker 2: So I am using this as an opportunity to flex
• 1:00:12
  Speaker 2: my skills on how to navigate difference.
• 1:00:15
  Speaker 4: Change your perspective, because the reality if you want to
• 1:00:18
  Speaker 4: be a boss, if you want to run a company,
• 1:00:20
  Speaker 4: if you want to create a company and have a stampower,
• 1:00:23
  Speaker 4: you better have agility. And by the way, it's really
• 1:00:27
  Speaker 4: good if you're going through tough moments young, so that
• 1:00:30
  Speaker 4: as you get older you can say, I've seen this before.
• 1:00:33
  Speaker 4: I'm not afraid. I'm not afraid. Oh, I've dealt with
• 1:00:36
  Speaker 4: this kind of person before.
• 1:00:37
  Speaker 2: I know how to navigate. I'm not going to opt
• 1:00:40
  Speaker 2: out if this is my dream. No one will deny that.
• 1:00:43
  Speaker 4: It's on me to look at this as an opportunity
• 1:00:46
  Speaker 4: to hone my skills because I know I'm going to
• 1:00:48
  Speaker 4: be running a company one day, so I have to
• 1:00:50
  Speaker 4: deal with these personalities.
• 1:00:51
  Speaker 2: So I'm gonna go ahead and figure out how to connect.
• 1:00:54
  Speaker 4: I would also say, in corporate America, you have to
• 1:00:59
  Speaker 4: not just look at your to what you're doing. I
• 1:01:02
  Speaker 4: call it shift F nine or is that old school key?
• 1:01:05
  Speaker 4: Know the process before, what's coming to you, and know
• 1:01:07
  Speaker 4: where you're taking it. Make sure you look up, make
• 1:01:12
  Speaker 4: sure you look to the left and to the right,
• 1:01:15
  Speaker 4: make sure you show up, go to the office. There's
• 1:01:20
  Speaker 4: inner generations. You are in a community where there may
• 1:01:22
  Speaker 4: be people in their.
• 1:01:23
  Speaker 2: Sixties and seventies. They have so much value.
• 1:01:27
  Speaker 4: Don't just say I'm just going to hide behind my
• 1:01:29
  Speaker 4: computer and I'm not. You know, I'm good, I'm producing.
• 1:01:31
  Speaker 4: Then you're missing the knowledge of someone that's been in
• 1:01:34
  Speaker 4: this space for thirty forty years.
• 1:01:37
  Speaker 2: You know that's that's power.
• 1:01:40
  Speaker 4: So make sure that when you are in the halls
• 1:01:42
  Speaker 4: of corporate America that you're looking up and you're asking questions.
• 1:01:47
  Speaker 2: You're talking to people of difference.
• 1:01:49
  Speaker 4: And one thing I do want to circle back is,
• 1:01:50
  Speaker 4: you know, I think this is important your mentors and
• 1:01:55
  Speaker 4: your people that advocate doesn't always mean that they have
• 1:01:59
  Speaker 4: to look like you. Some of the most impactful people
• 1:02:03
  Speaker 4: in my life that have advocated for me, that took
• 1:02:07
  Speaker 4: me to the side, that gave me insight, they were
• 1:02:11
  Speaker 4: all not women, and they were all not black, and they.
• 1:02:13
  Speaker 2: Were all not people of color.
• 1:02:15
  Speaker 4: White men have been my mentors too, and so I
• 1:02:18
  Speaker 4: do think sometimes you may opt yourself and not lean
• 1:02:22
  Speaker 4: into the fact that you can be mentored and you
• 1:02:26
  Speaker 4: can learn from people that don't look like you, and
• 1:02:29
  Speaker 4: don't assume that they don't want to help. Don't assume
• 1:02:34
  Speaker 4: that they're not here to help you get better. Be
• 1:02:37
  Speaker 4: open to the possibility. Even if along the way you
• 1:02:41
  Speaker 4: may not have someone that looks like you, it doesn't
• 1:02:44
  Speaker 4: mean that you don't have people that don't care about you.
• 1:02:47
  Speaker 4: And I think that's really important in an environment that
• 1:02:50
  Speaker 4: sometimes you might be the only.
• 1:02:54
  Speaker 6: Oh, it's a lot.
• 1:02:57
  Speaker 7: My final question as our time is running. You know,
• 1:03:00
  Speaker 7: music is a universal language that we all understand and appreciate.
• 1:03:04
  Speaker 7: You know, when we started ernial Lisia, the idea was
• 1:03:08
  Speaker 7: to use music to decode financial lessons. Yes, so anytime
• 1:03:13
  Speaker 7: I heard it, I'm like, Okay, that's a lesson on appreciation,
• 1:03:17
  Speaker 7: that's a lesson on asset allocation, and so we kind
• 1:03:21
  Speaker 7: of use that as the carrot that I know, you
• 1:03:23
  Speaker 7: know you guys have partnered with hit Cleve John, Yes,
• 1:03:26
  Speaker 7: a legend in the world of music. So talk about
• 1:03:28
  Speaker 7: the partnership and the impact that Temple is going to have.
• 1:03:31
  Speaker 4: Well, again, let's talk about the context of the why.
• 1:03:35
  Speaker 4: What's the fact that informed this moment. Forty one percent
• 1:03:41
  Speaker 4: of young people between the ages of twenty five thirty
• 1:03:44
  Speaker 4: five are not contributing towards their retirement. Remember y'all's vision
• 1:03:50
  Speaker 4: of what y'all want, We're not on track. So that
• 1:03:55
  Speaker 4: stat was staggering. And so then we said, if that
• 1:04:00
  Speaker 4: is the stat and this is who we are, we
• 1:04:03
  Speaker 4: want to be a leader in lifetime income. We want
• 1:04:05
  Speaker 4: people to make sure that they can have a secure retirement.
• 1:04:09
  Speaker 4: Then how do we bridge And so culture matters to
• 1:04:15
  Speaker 4: this age group millennials gen Z, y'all tell me if
• 1:04:18
  Speaker 4: I'm wrong.
• 1:04:19
  Speaker 2: Culture matters.
• 1:04:21
  Speaker 4: Culture today transcends ginger race rule, urban suburban culture of
• 1:04:29
  Speaker 4: music is what is empowering change if done properly. And
• 1:04:35
  Speaker 4: so what we said is, how do we meet the
• 1:04:39
  Speaker 4: young people where they are? How can we bring music
• 1:04:43
  Speaker 4: that can bring people together that can inspire without judgment.
• 1:04:49
  Speaker 4: How do we bring the message in a way that
• 1:04:51
  Speaker 4: young people can receive it in a way that can
• 1:04:55
  Speaker 4: create a dialogue and a conversation. And so the partnership
• 1:04:59
  Speaker 4: and the engage with Wycliff and this song about Paperwright
• 1:05:06
  Speaker 4: was the notion of a staggering stat that says, if
• 1:05:10
  Speaker 4: stack continues, we will not make progress on the overall
• 1:05:13
  Speaker 4: forty percent number that I told you. And by the way,
• 1:05:15
  Speaker 4: people are living longer and longevity risk is real. People
• 1:05:19
  Speaker 4: need to feel confident that they will not outlive their retirement.
• 1:05:23
  Speaker 2: And so through music and through lyrics.
• 1:05:27
  Speaker 4: Of their experience, has caused a conversation about this. And
• 1:05:33
  Speaker 4: what I love about what Zara has done and the
• 1:05:37
  Speaker 4: marketing team at TIA has done, is that we connected
• 1:05:41
  Speaker 4: it with what's also important to young people, which is purpose.
• 1:05:45
  Speaker 4: And so the proceeds is going to help under resource
• 1:05:51
  Speaker 4: high schools learn about financial security.
• 1:05:55
  Speaker 2: And so it becomes this circle and all you have
• 1:05:58
  Speaker 2: to do, are y'all ready for a call to act?
• 1:06:00
  Speaker 2: And gave y'all a lot of call to actions?
• 1:06:02
  Speaker 4: All right, but here's another one. All you have to
• 1:06:05
  Speaker 4: do is stream it, download it. It's on Spotify, Apple,
• 1:06:09
  Speaker 4: all the music, y'all listen to download it, and when
• 1:06:13
  Speaker 4: you download it and stream, just that act is providing
• 1:06:17
  Speaker 4: dollars to an amazing not for profit that's helping young
• 1:06:21
  Speaker 4: people and under resource communities learn about financial security. And
• 1:06:25
  Speaker 4: so your inspiration of music inspiring you is also inspiring
• 1:06:30
  Speaker 4: people that what if we heard this when we were young.
• 1:06:32
  Speaker 4: I know there's a bunch of high school students here.
• 1:06:35
  Speaker 4: You're getting that benefit.
• 1:06:37
  Speaker 2: So paper right, music, it's culture.
• 1:06:41
  Speaker 4: It spans gender, race, ethnicity, background, parts of town. And
• 1:06:48
  Speaker 4: our objective at TIA is to make sure that this
• 1:06:51
  Speaker 4: young generation is having a conversation today about getting your
• 1:06:55
  Speaker 4: paper right so that you can then have the right
• 1:06:58
  Speaker 4: building blocks to retire inequality, to be the change, and
• 1:07:03
  Speaker 4: to make sure that we're transferring.
• 1:07:06
  Speaker 2: Wealth and not debt.
• 1:07:07
  Speaker 4: So we are excited about doing something that's relevant, but
• 1:07:11
  Speaker 4: it's based on an insight, and then it's about how
• 1:07:14
  Speaker 4: do you then meet the people and get out of
• 1:07:16
  Speaker 4: our own way.
• 1:07:17
  Speaker 2: The older people and I don't know about all that.
• 1:07:19
  Speaker 4: We didn't have all that music and we invested our money,
• 1:07:22
  Speaker 4: well you not them. So sometimes it's about us calibrating
• 1:07:26
  Speaker 4: and challenging our own thinking in order to make impact,
• 1:07:29
  Speaker 4: and that means sometimes getting uncomfortable, But getting uncomfortable is
• 1:07:33
  Speaker 4: where progress resides. And we know that we have an
• 1:07:37
  Speaker 4: uncomfortable situation with that stat and so bringing an inspirational music,
• 1:07:41
  Speaker 4: partnering with some pretty amazing people that's connecting with this
• 1:07:44
  Speaker 4: generation is with intent and it's with purpose, and for that,
• 1:07:48
  Speaker 4: I'm really excited about it, and I'm excited of you
• 1:07:50
  Speaker 4: all being able to hear the song but listen to
• 1:07:52
  Speaker 4: the lyrics and create a dialogue within your cells on
• 1:07:55
  Speaker 4: what is your story and then what do you need
• 1:07:57
  Speaker 4: to do to get your paperwright to make sure that
• 1:08:00
  Speaker 4: you can retire with dignity and transfer wealth to the
• 1:08:03
  Speaker 4: next generation.
• 1:08:06
  Speaker 6: That you have.
• 1:08:06
  Speaker 5: Ladies and gentlemen, make some more infus to John the
• 1:08:09
  Speaker 5: Brown tuck it.
• 1:08:10
  Speaker 6: Thank you we got for me Chile. Appreciate you so much.
• 1:08:13
  Speaker 4: Thank you.
• 1:08:13
  Speaker 1: An illegal alien from Guatemala charged with raping a child
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  Speaker 6: What's going on?
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  Speaker 8: Listen, EYLU is relaunching, revamping, retoom. That's why we're creating
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