Latest / Money And Wealth With John Hope Bryant / How Women Changed America

Transcript

How Women Changed America · Money And Wealth With John Hope Bryant

0:00
Speaker 1: Welcome the Money in Wealth with John O'Briant, a production
0:03
Speaker 1: of the Black Effect podcast network and iHeartRadio. Hey, this
0:15
Speaker 1: is John O'Brien This is Money and Wealth on the
0:18
Speaker 1: Black Effect Network. And this is my weekly ministry of finance.
0:23
Speaker 1: This week we're going to delve into the untapped power
0:26
Speaker 1: of women, women economic power, and how women change the world,
0:31
Speaker 1: specifically change the United States of America, which then in
0:35
Speaker 1: turn changes the world because the United States of America
0:38
Speaker 1: is the largest economy in the world and the soul
0:41
Speaker 1: superpower in the world. And I wrote a piece this
0:46
Speaker 1: week in Time magazine that really speaks to some of
0:53
Speaker 1: the double standards that are out there. The piece is
0:56
Speaker 1: entitled how women like Kamala Harris, Vice President saved and
1:01
Speaker 1: shaped America. And it's not about her per se, but
1:05
Speaker 1: it's inspired or triggered by undue criticism of her being
1:09
Speaker 1: a so called dee and I presidential candidates offensive. She's
1:13
Speaker 1: got a jd Degree, which is essentially a doctorate degree.
1:17
Speaker 1: She has been a US Senator, She's a sitting vice
1:21
Speaker 1: president in the biggest economy in the biggest country in
1:24
Speaker 1: the world. She hasn't embarrassed us. She's made US proud.
1:28
Speaker 1: She's been a US Senator, as I said, held offices
1:30
Speaker 1: throughout state of California, several offices, legal positions within government.
1:38
Speaker 1: It's just offensive. She's probably more qualified than most people
1:41
Speaker 1: who are sitting in the role of vice president. But
1:43
Speaker 1: and I cover the details in the piece of why
1:47
Speaker 1: I think that women are both underpreciated and have been
1:51
Speaker 1: such an incredible contributor to the US cultural scene in
1:57
Speaker 1: the economy. But there's a couple of things I wanted
2:00
Speaker 1: to drill down on in the piece. I encourage you
2:02
Speaker 1: to go to Time magazine and read the whole piece
2:04
Speaker 1: and share it with your posse, share it with your friends,
2:06
Speaker 1: share it with those you love. Let's level the playing
2:09
Speaker 1: field on ignorance and build houses of hope in their place.
2:14
Speaker 1: This is just ignorance, and it's also I think a
2:18
Speaker 1: sign of desperation by some who feel good Fiel, They've
2:21
Speaker 1: got to put somebody else down in order to elevate themselves.
2:24
Speaker 1: I'm rather focused on the facts I like, and it
2:27
Speaker 1: just happens. The folks I'm going to quote here are women.
2:30
Speaker 1: Melody Hopson says, I like math because it doesn't have
2:33
Speaker 1: an opinion. I'm going to quote my friend Stephanie Ruhl
2:37
Speaker 1: of MSNBC and CNBC and NBC who says that all
2:42
Speaker 1: we're trying to do is expand the table and add
2:44
Speaker 1: a chair, which of course builds more opportunity for everybody
2:48
Speaker 1: and doesn't diminish opportunity for anybody when you grow the
2:53
Speaker 1: economy and you expand participation in the economy. But in
2:57
Speaker 1: the article in the piece and Time magazine, which again
3:00
Speaker 1: I encourage you to download, read and share, I also
3:04
Speaker 1: cite in there that twenty five percent of American GDP
3:07
Speaker 1: today gross domestic product are women. That's right. The moral
3:13
Speaker 1: issues and ethical issues aside the thing that people call
3:17
Speaker 1: de NI diversity, equity and inclusion. They want to discount
3:20
Speaker 1: it and now call the sitting Vice president of DEE
3:23
Speaker 1: and I candidate, which is again highly offensive. Whatever that
3:27
Speaker 1: is you're referring to, whatever those women, the means and
3:30
Speaker 1: means and means of women out there who are working
3:33
Speaker 1: every day with people underneath them in leadership teams, I mean,
3:36
Speaker 1: how they're supposed to feel with the Vice President of
3:38
Speaker 1: United States is being discounted on merit. But that aside,
3:42
Speaker 1: this is twenty five percent of twenty five trillion dollars
3:47
Speaker 1: of economic activity in this country, and without women, this
3:52
Speaker 1: country would be an also ran country. We'd be the
3:54
Speaker 1: country that used to lead the world. We would be
3:57
Speaker 1: a third tier economy. In fact, six tray dollars versus
4:00
Speaker 1: twenty five percent of twenty five trade and give or take,
4:04
Speaker 1: it's larger than most countries GDP. It's larger than most
4:07
Speaker 1: countries economy. That's just the women portion. But I'm going
4:12
Speaker 1: to get in this podcast. I'm going to get into
4:13
Speaker 1: the details. I want anybody who wants to be inspired
4:18
Speaker 1: by women, for women to become a woman. If you're
4:21
Speaker 1: a young girl, you want a girl, I want you
4:23
Speaker 1: to know why and how you contribute and why you
4:26
Speaker 1: should be extraordinarily proud of what you've done with your
4:29
Speaker 1: parents have done, and to know the barriers that also
4:32
Speaker 1: sit in front of you. And that's seven from your
4:35
Speaker 1: at least your mother not so long ago. Did you
4:38
Speaker 1: know that in nineteen seventy two, not eighteen seventy two,
4:43
Speaker 1: nineteen seventy two, that a woman could not get a
4:46
Speaker 1: credit card, that's right. A woman could not get a
4:50
Speaker 1: bank account nineteen seventy two, not eighteen seventy two, That
4:55
Speaker 1: a woman could not get alone unless her husband co
4:57
Speaker 1: signed it. That's right, nineteen seventy two. And before I
5:03
Speaker 1: get into the sax and facts of how women are
5:07
Speaker 1: now charging into progress and prosperity, the economy, the culture,
5:11
Speaker 1: our education, big business, small business, and the incredible impacts
5:16
Speaker 1: that they had they've made and continue to make, and
5:19
Speaker 1: how we can't live without women. And by the way,
5:21
Speaker 1: without women, it'd be much less men as fewer men.
5:24
Speaker 1: But you will figure that out. Help that figure that
5:27
Speaker 1: tongue in cheese statement out. You figure that out later.
5:30
Speaker 1: But besides that, are not getting to that, because that
5:33
Speaker 1: is really the rainbow after the storm. I want to
5:37
Speaker 1: talk to you about how they got here and how
5:40
Speaker 1: interconnected we are, because it's both the troubling story and
5:44
Speaker 1: inspiring one. So oftentimes whites are pitted against blacks, or
5:51
Speaker 1: rich against poor, or different social strata printed against each other.
5:55
Speaker 1: And this is one of these unique stories where a
5:59
Speaker 1: blonde haired, blue white woman from a very well to
6:02
Speaker 1: do family is connected directly to the plight of African
6:07
Speaker 1: American men and women. Well, maybe for well to do,
6:11
Speaker 1: entigh educated backgrounds, but in all likelihoods, because of our
6:14
Speaker 1: history in this country, probably from a more modest background
6:17
Speaker 1: in the American South or wherever that these two cultures collided,
6:24
Speaker 1: two groups collided in the most beautiful way possible. So
6:27
Speaker 1: let me explain. In the early nineteen sixties, you had
6:31
Speaker 1: doctor King, Ambassador Andrew Young, my mentor Dorothy doctor Dorothy
6:35
Speaker 1: Hyge got wrestler soul correct, Scott King got wrestler. So
6:37
Speaker 1: who were in the civil rights movement I called the
6:39
Speaker 1: Second Reconstruction, and they made this incredible progress right and
6:47
Speaker 1: as a result of their efforts and others, John Kennedy President,
6:51
Speaker 1: then President Kennedy started something called a firmative action, and
6:54
Speaker 1: then President Johnson built on that, and really President Johnson
6:59
Speaker 1: became the civil rights It's president with Kennedy's assassination. But
7:04
Speaker 1: the man who actually giving credit what credits do, who
7:06
Speaker 1: codified affirmative action, really really baked it in, was a
7:11
Speaker 1: president named Nixon, very unassuming, assuming, very unlikely I think
7:15
Speaker 1: most people with the unlikely character to lock in rights
7:18
Speaker 1: for blacks, given that his candidacy for presidency was in
7:23
Speaker 1: some ways the antithesis of that. In some ways, he
7:26
Speaker 1: was running in a way that scared people of the
7:30
Speaker 1: progress of the sixties, and suggested that people should be
7:33
Speaker 1: afraid of the progress of blacks and other groups, and
7:37
Speaker 1: that somehow this was bad for business in America. And
7:39
Speaker 1: maybe he did a firmative action thing to show he's
7:43
Speaker 1: not a bad guy. I don't know. He did it
7:45
Speaker 1: actually a lot of things for women in the environment
7:48
Speaker 1: and or at least intention with intentionality African Americans. I'll
7:52
Speaker 1: give him credit. He codified affirmative actions in many ways
7:56
Speaker 1: created affirmative action, so it was created. It was inspired
7:58
Speaker 1: by both parties. But really, I'm gonna give credit again,
8:01
Speaker 1: Nixon really codified this. And so almost as soon as
8:04
Speaker 1: he did this, the courts sound familiar. The courts began
8:09
Speaker 1: to block it and said that the racial all the
8:12
Speaker 1: racial innuendos, and not even in the windows, the racial preferences,
8:16
Speaker 1: racial outlines, racial cticides were unconstitutional, lot not allowable, and
8:23
Speaker 1: so they start the court starts striking this down in
8:26
Speaker 1: the furtive action area. So it's oddly enough, blacks were
8:29
Speaker 1: the only ones enslaves in American soil. Blacks were clearly
8:33
Speaker 1: held back from various levels of progress tied to clear discrimination.
8:38
Speaker 1: It was obvious to everybody whould see it. That's why
8:43
Speaker 1: blacks were trying to get basic rights in the nineteen
8:46
Speaker 1: sixties that there were denied them for one hundred years
8:48
Speaker 1: since the eighteen sixties, and so this law was makes
8:51
Speaker 1: sense law to redress that. But then somebody tried to
8:54
Speaker 1: go to to a man, a white man tried to
8:57
Speaker 1: go to college in California, and it was one hundred
8:59
Speaker 1: slots available for this college program. Sixteen slots were set
9:03
Speaker 1: aside for essentially black people, and so there was eighty
9:07
Speaker 1: five percent of these slots available for the mainstream America.
9:10
Speaker 1: And he decided he wanted one of the sixteen slots.
9:13
Speaker 1: He wanted the other slots, he wanted the ones that
9:15
Speaker 1: was sent aside for the black people who had been
9:16
Speaker 1: previously deco denied. So he took the school to court
9:21
Speaker 1: and he won. He and this and other rulings, by
9:26
Speaker 1: the way, reminds you so much of what's going on
9:29
Speaker 1: with the Fearless Fund today. Again, black women in Atlanta
9:32
Speaker 1: trying to provide funding a very thinly funded area of
9:36
Speaker 1: venture capital for black women founders. I venture capital's like
9:40
Speaker 1: one percent venture capital goes to black founders, some crazy
9:44
Speaker 1: number like that. And the Fearless Phone was set up
9:47
Speaker 1: to modestly fund viable black businesses and somebody suit them
9:51
Speaker 1: to shut them down. Sounds familiar anyway, Back to the
9:55
Speaker 1: story that this happened in the nineteen seventies, so there's
9:59
Speaker 1: a delusi of affirmative action, and the court said, well,
10:02
Speaker 1: gender is a thing that we can allow. And I'm
10:05
Speaker 1: not sure this was intentional or not, but the folks
10:08
Speaker 1: closest to the door of economic opportunity from a gender
10:11
Speaker 1: perspective were not Black women or Latino women, or Asian
10:14
Speaker 1: women or Indian women. It was white women. Because white
10:17
Speaker 1: women were more socially acceptable, they were more socially plugged in,
10:22
Speaker 1: they were closer to the decision making and decision makers
10:27
Speaker 1: and the societal norms, and so white women were allowed
10:32
Speaker 1: to go through the door. Now, I think this is
10:33
Speaker 1: a good thing. I'll take progress by any means necessary.
10:37
Speaker 1: So I'm not saying this is bad at all. I'm
10:39
Speaker 1: saying all progress is good progress. But I'm saying that
10:42
Speaker 1: rainbows follow storms. Can I have a rainbow out of storm? First?
10:45
Speaker 1: That blacks had this storm, and it's unfortunate, once again
10:50
Speaker 1: pushed back against the very meager advances that they were
10:54
Speaker 1: allowed to make in the markets and in the economy.
10:58
Speaker 1: But the door that opened opened for women, and white
11:00
Speaker 1: women went through first. So this is now nineteen seventy two,
11:03
Speaker 1: when a white woman or any woman could not get
11:05
Speaker 1: a bank account or credit card, or get a loan
11:07
Speaker 1: unless her husband co signed it in By nineteen seventy
11:11
Speaker 1: four from revaction laws plus other laws that were codified
11:15
Speaker 1: in seventy four kicked the door open for women, and
11:19
Speaker 1: they start immediately making progress. Now. The drop of mic
11:23
Speaker 1: statement I'm gonna make here is that if that had
11:25
Speaker 1: not happened, and if we had not ended up with
11:27
Speaker 1: this additional GDP six trillion dollars plus, today we'd be
11:32
Speaker 1: an also ran nation. We'd be a third tier country,
11:34
Speaker 1: we'd be the country that used to leave the world.
11:36
Speaker 1: Because you've never had a superpower that wasn't the economic
11:39
Speaker 1: power at the same time in the history of the world.
11:43
Speaker 1: And today you need diversity in order to do that.
11:45
Speaker 1: You need inclusion in order to do that, which is
11:46
Speaker 1: why it's so silly to me that people are pushing
11:49
Speaker 1: back on diversity, equity and inclusion. That made a political piniata.
11:53
Speaker 1: So the phrase is almost dead because people have made
11:55
Speaker 1: it almost toxic to talk about it, but underneath the
11:59
Speaker 1: phrase are real people, real situations and demographics of this country.
12:02
Speaker 1: Please read the Business Plan for America, which I wrote,
12:04
Speaker 1: and just download it and get it to search my
12:07
Speaker 1: name and find it. So read the Time magazine piece
12:09
Speaker 1: that I just wrote on women's contribution to society, and
12:17
Speaker 1: read the Business Plan for America. And yes, read my
12:19
Speaker 1: book Business Financial Literacy for alls. I believe that financial
12:21
Speaker 1: literacy is a civil rights issue of this generation. And
12:24
Speaker 1: you know better, you do better. But these stats, in
12:27
Speaker 1: these facts today absolutely make it clear that you cannot succeed,
12:30
Speaker 1: continue to succeed as the nation without all of us contributing.
12:35
Speaker 1: And if folks trying to push folks back from progress.
12:39
Speaker 1: We were afraid of the future in the nineteen seventies
12:41
Speaker 1: nineteen sixties were successful in killing the d E and
12:45
Speaker 1: I of that day affirmative action. Where will we be again?
12:50
Speaker 1: We'd be a third world country, not third world country.
12:52
Speaker 1: We be a third rate country. Less six trillion dollars,
12:55
Speaker 1: and I mean six three dollars by itself is bigger
12:57
Speaker 1: than most economies in the world. That's bigger than eighty
12:59
Speaker 1: percent of all the economies of the world. Just that
13:01
Speaker 1: part just the women's part. So let's now get into
13:04
Speaker 1: and break down this six trillion dollars of GDP and
13:09
Speaker 1: talk about where it comes from. And then I'm gonna
13:12
Speaker 1: get in something really I think inspiring and exciting, which
13:15
Speaker 1: is talk about what women are actually doing in the
13:18
Speaker 1: economy and some of it's gonna blow your mind. Something
13:20
Speaker 1: I think is going to really shock you. So where
13:33
Speaker 1: does a GDP come from? Again? Twenty five trillion dollars
13:36
Speaker 1: for the whole country, six trillion dollars six point three
13:38
Speaker 1: trading for women. That's about labor force participation. First, women
13:42
Speaker 1: make them about forty seven percent of the workforce today,
13:47
Speaker 1: that's seventy four million women employee. Hello, can I get
13:51
Speaker 1: me a man? The median earnings for a women is
13:55
Speaker 1: about forty five thousand dollars annually, and there's still the
13:58
Speaker 1: gender pay gap, so women are being paid what men
14:01
Speaker 1: are being paid, but it's still an impressive progress from
14:07
Speaker 1: where we've come from. The aggregate earnings of women contribute
14:09
Speaker 1: to substantially contribute substantially the household incomes and economic stability,
14:14
Speaker 1: which I'm going to get to into a minute because
14:15
Speaker 1: it'll talk about another big impact about it have had
14:18
Speaker 1: beyond the six trillion dollars, beyond a twenty five percent,
14:21
Speaker 1: It's talk about entrepreneurship and small business and business ownership
14:24
Speaker 1: for a minute. Women own businesses accounts for forty two
14:27
Speaker 1: percent of all businesses in the US. You'ar that forty
14:31
Speaker 1: two percent. They generate one point nine trillion dollars in revenue,
14:34
Speaker 1: employ nearly nine million people. The growth of women owned
14:38
Speaker 1: businesses contribute to innovation, job creation, and economic diversification. Spending power.
14:45
Speaker 1: This is where it kicks in to something that's I
14:47
Speaker 1: talk about all the time, which is what drives the
14:49
Speaker 1: American economy. Women control the significant portion of household spending,
14:54
Speaker 1: estimated at about seventy to eighty percent. They make the
14:57
Speaker 1: decisions in the house This translates to a substantial influence
15:01
Speaker 1: on consumer markets, impacting industries from retail to healthcare. Women
15:07
Speaker 1: spending decisions drive demand for goods and services, affecting overall
15:11
Speaker 1: economic growth. And so what does this mean That they're
15:17
Speaker 1: making seventy to eighty percent of the decisions in the household.
15:19
Speaker 1: That means that if this economy is seventy percent of
15:21
Speaker 1: consumer spending, the biggest economy in the world. Right, So,
15:25
Speaker 1: my rich friends need my poor friends do better, if
15:27
Speaker 1: only to stay rich, because it's people making paying cardoals
15:30
Speaker 1: and paying rent and going to restaurants and going to
15:33
Speaker 1: get their hair done and nails done, renting cars, going
15:37
Speaker 1: on vacations, whatever, just normal stuff, going to CDs, going
15:41
Speaker 1: to Walmart. Whatever it is. By the way, they found
15:44
Speaker 1: the chairman of the CEO of Walmart. CEO of Walmart,
15:47
Speaker 1: duncc millan brought with the ford for my new book
15:49
Speaker 1: for sort of we're all so thanking for that. But
15:51
Speaker 1: if whatever it is you're doing, that's driving the US economy,
15:57
Speaker 1: and so women are twenty five percent of the whole economy,
15:59
Speaker 1: but they're also contributing to that seventy percent. Seventy percent
16:04
Speaker 1: of the seventy percent influencing decisions are being made around
16:07
Speaker 1: consumers spending and the deep women in participation in the
16:11
Speaker 1: workforce and business ownership contribute to economic resiliency. Diverse workforces
16:16
Speaker 1: leadership has improved organizational performance and innovation. Reducing gender disparities
16:21
Speaker 1: and pay and employment can lead to more equable growth
16:25
Speaker 1: and increase GDP. Translation, more diverse companies are more profitable.
16:30
Speaker 1: They're almost forty percent more profitable by the way, it's
16:33
Speaker 1: not even close. And you candgin to read more about
16:36
Speaker 1: that than my business plan for America. So now let's
16:42
Speaker 1: get into you know how and where women contribute. This
16:50
Speaker 1: is so cool. Put out your pen, get out your iPad,
16:54
Speaker 1: get out your iPhone, get out your Samsung, get out
16:56
Speaker 1: your Androy whatever it is, and write this stuff down.
17:00
Speaker 1: Want to be inspired. And this is for folks who
17:03
Speaker 1: say that women don't do enough, or can't do can't contribute,
17:07
Speaker 1: or they're not serious, or they don't know they're talking about.
17:10
Speaker 1: This is like, this is just ridiculously obvious. Check this out.
17:15
Speaker 1: Women have consistently hired enrollment rates in undergraduate and graduate
17:20
Speaker 1: programs compared to men. Now people say, okay, John, that's
17:23
Speaker 1: a generality. Okay, try this on for precise This is
17:26
Speaker 1: twenty nineteen numbers. So it's gotten better. Is that fifty
17:30
Speaker 1: seven percent of masters of sorry, fifty seven percent of
17:33
Speaker 1: bachelor's degrees women, sixty percent of master's degrees women, fifty
17:41
Speaker 1: three percent of doctorate degrees women. What do you think
17:45
Speaker 1: the vice president has as a JD. That's assistantly a
17:47
Speaker 1: doctorate degree. So this is a doctorate of law. So
17:51
Speaker 1: the majority of all these degrees are women. Labor force
17:55
Speaker 1: participation seventy seven percent of healthcare and social assistance workers
18:02
Speaker 1: women seventy seven percent. Seventy four percent of workers in
18:07
Speaker 1: educational services women. Women dominate certain sectors and industries such
18:15
Speaker 1: as healthcare, education, and social services. Let me get into that.
18:21
Speaker 1: Health care and social assistance seventy seven percent of workers
18:26
Speaker 1: in this space are women. Educational services seventy four percent
18:33
Speaker 1: are women. Now, these numbers are less impressive about to
18:37
Speaker 1: tell you, in government, but because it's elected and there's
18:41
Speaker 1: biases and sexism and hello, we just talked about the
18:44
Speaker 1: what people saying about the vice for the United States,
18:45
Speaker 1: for God's sakes, so think below that it's probably even
18:48
Speaker 1: harder to get a fair shot. But here these numbers
18:51
Speaker 1: are still impressive. Members of Congress twenty seven percent of
18:56
Speaker 1: seats in the House of Representatives, twenty four percent of
19:00
Speaker 1: the US Senate. I think that's pretty impressive for women.
19:03
Speaker 1: Thirty one percent of those in the state legislature are women.
19:09
Speaker 1: Twelve governors in the US as of twenty twenty three,
19:13
Speaker 1: pretty dangon impressive. Corporate leadership, eight point eight percent of
19:17
Speaker 1: CEOs are women. Board memberships in the Fortune five hundred,
19:24
Speaker 1: twenty eight percent of all board seats in the S
19:26
Speaker 1: and P five hundred as of twenty twenty three year women.
19:29
Speaker 1: That's an impressive number to me. Twenty eight percent entrepreneurship
19:36
Speaker 1: women own forty two percent of all businesses in this country.
19:41
Speaker 1: These are not small numbers. These any one of these
19:43
Speaker 1: numbers is the story in it of itself. Right again,
19:46
Speaker 1: I just want to just break all these stereotypes and
19:51
Speaker 1: this misinformation. I want you to download that article from
19:53
Speaker 1: Time magazine, share it with all of your friends, making
19:56
Speaker 1: a conversation tied into the Business Plan for America, which
19:59
Speaker 1: I also want you to downlo pull out. Get your
20:01
Speaker 1: copy of Financial Literacy for all so no one can
20:03
Speaker 1: deny you so that you're working your money money's not
20:05
Speaker 1: working to you, and share this information along with this podcast.
20:09
Speaker 1: Anybody who is telling you anything inaccurate about supposedly women's
20:16
Speaker 1: contribution and tying it to anything and saying anything that's
20:20
Speaker 1: even remotely derogatory or discounting, are something ridiculous, Like the
20:26
Speaker 1: vice president the United States is a Dee and I
20:28
Speaker 1: candidate for the presidency. That's just nothing but fear talking
20:32
Speaker 1: and desperation. In my opinion, and this is from somebody
20:36
Speaker 1: who has been an advisor Republican and a Republican Republican
20:39
Speaker 1: and Democratic presidents. I've been, I've been, I've advised Republican Democrats.
20:44
Speaker 1: I'm not partisan. I've been honored by five US president
20:47
Speaker 1: recognized by five US presidents, and I've known n I've
20:50
Speaker 1: got a security clearance. I mean, I've been in the House,
20:53
Speaker 1: as they say, the White House, in and out, and
20:56
Speaker 1: I'm telling you, you cannot do these jobs and not
20:59
Speaker 1: be super competent. And she's more qualified. So we're going
21:03
Speaker 1: to come back to small business because I think it's
21:05
Speaker 1: a really important point to make healthcare industry or women
21:10
Speaker 1: or account for thirty six percent of all position posts
21:13
Speaker 1: in the country, nurses women in CONSTUS over ninety percent
21:18
Speaker 1: of the nursing positions, and that amazing, over ninety cent.
21:22
Speaker 1: So ladies, young girls, ladies, people going to college, you
21:24
Speaker 1: go to high school, young girls coming up, people in
21:26
Speaker 1: the workforce. People are trying to reset your career. If
21:29
Speaker 1: you're trying to figure out what you can do where
21:31
Speaker 1: you want some job security and you want some you
21:33
Speaker 1: want to know that you know there's a good chance
21:35
Speaker 1: that you'll be able to be in a growing industry,
21:37
Speaker 1: even with artificial intelligence and all this stuff coming up,
21:40
Speaker 1: and you'll be treated with dignity of respect well. Nursing
21:44
Speaker 1: is definitely and it pays well too. Nursing is definitely
21:47
Speaker 1: a place that you should be thinking about leaning in
21:53
Speaker 1: healthcare executives. Women hold a significant percentage of leadership positions
21:56
Speaker 1: in the healthcare and healthcare organizations in the healthcare indust
22:01
Speaker 1: the legal professional we talked about the Vice President's Jade degree.
22:04
Speaker 1: Women represent over fifty percent of all law school students
22:09
Speaker 1: fifty percent judicial positions. Women hold approximately thirty five percent
22:15
Speaker 1: of all federal judge ships judicial seats. These are judges
22:19
Speaker 1: judge positions, federal position thirty five percent. Isn't that cool?
22:24
Speaker 1: Nonprofit sector, this is a sector where you know, this
22:26
Speaker 1: is part of what I do at Operation Hope, is
22:29
Speaker 1: I run a nonprofit. But it's really the exception, not
22:31
Speaker 1: the rle to see a guy in a personal color
22:35
Speaker 1: like me running a huge nonprofit like I do in
22:37
Speaker 1: Operation Hope. And I've got my for profit businesses as well,
22:40
Speaker 1: but my passion really is my nonprofit Operation Hope, which
22:43
Speaker 1: is the largest financial literacy organization in the country, and
22:46
Speaker 1: really the inspiration for my book Financial Literacy for All,
22:48
Speaker 1: which is our best seller and I want you to
22:50
Speaker 1: get a copy of it, and the inspiration for this
22:53
Speaker 1: podcast all came out came out of the Silver Rights movement.
22:56
Speaker 1: Third reconstruction from civil rights to civil rights. Financial literacy
23:00
Speaker 1: is the civil rights issue, the generation, the expansion across
23:03
Speaker 1: the country with our work, where the bigga's in the
23:05
Speaker 1: country and what we do. But I'm really the exception,
23:08
Speaker 1: not the rule. The vast majority people running nonprofits, to
23:12
Speaker 1: the tune of seventy two percent of nonprofit executives are women.
23:19
Speaker 1: I love it. I think seventy percent of the employees
23:21
Speaker 1: and Operation Hope, by the way, are women. As my
23:26
Speaker 1: own factoy and just as a complete aside, my mother
23:31
Speaker 1: when he to Smith got rest her so she transitioned
23:33
Speaker 1: the last year she's been promoted, gone all a better place.
23:37
Speaker 1: Jinnia Smith worked an hourly job thirty two years. McDonald
23:42
Speaker 1: Douglas Aircraft Bowing Aircraft. Was a seamstress, fabric a fabricator.
23:49
Speaker 1: She made the seats in the airplanes. You can pull
23:52
Speaker 1: up her story. She had not done videos together when
23:55
Speaker 1: he dismith is her name, pull up my name and
23:57
Speaker 1: her name, go to her memorial fund, Winnie Smith a
24:00
Speaker 1: memorial fund and read about her. She ended up building
24:03
Speaker 1: a net worth of about a million dollars. She had
24:06
Speaker 1: a wheel, She had affairs in order. Her credit score
24:09
Speaker 1: was eight fifty plus. Back in the at time where
24:11
Speaker 1: they had credit scores above a fifty. She had a
24:14
Speaker 1: maximum credit score it was a fifty four. She wasn't black,
24:18
Speaker 1: she was green. And she bought and sold seven homes,
24:21
Speaker 1: working in an hourly job, and ended with a net
24:25
Speaker 1: worth of a million dollars. So she just sprints to
24:27
Speaker 1: those that she loved and I was the executive. Ver
24:30
Speaker 1: stay proud of it. But it's that amazing what one
24:33
Speaker 1: woman can do, you know. And I don't know if
24:35
Speaker 1: a man could have done what my woman did, what
24:37
Speaker 1: my mother did. The fact that my dad was an
24:40
Speaker 1: amazing guy, but he didn't do what my mother did.
24:43
Speaker 1: My dad owned his own business and should have been
24:45
Speaker 1: originally the one that was building that was wealthy in
24:47
Speaker 1: the family. But he could make it, couldn't spend it
24:51
Speaker 1: he was making could he could make it, but could
24:54
Speaker 1: only spend it. He could he made the money, made
24:58
Speaker 1: a dollar and spent a dollar for emptied So the
25:00
Speaker 1: more money we made the broke over got and he wouldn't.
25:03
Speaker 1: He didn't understand that in order to not spend a
25:05
Speaker 1: yet to give it to my mother to invest in.
25:07
Speaker 1: And she was good at growing wealth. But they didn't
25:09
Speaker 1: work as partnerships because he didn't take her seriously. And
25:12
Speaker 1: so my dad broke, died broke, and my mother died wealthy.
25:16
Speaker 1: So there you go. My dad had a business, my
25:18
Speaker 1: mother working an out the job. It's about it really
25:21
Speaker 1: is about decisions you make in mindset that you have.
25:24
Speaker 1: And as you'll hear as I get into this, women
25:27
Speaker 1: have some natural advantages in starting certain businesses and approaching
25:32
Speaker 1: certain things like investing. Getting that in just a second, Okay,
25:37
Speaker 1: journalists forty one point seven percent of all newsroom employees
25:42
Speaker 1: journalists women, women hold leadership roles and major media organizations
25:48
Speaker 1: and outlets. Also sports, this is a real drop the
25:53
Speaker 1: mic forty four percent of all n Cuba athletic scholarships women.
26:01
Speaker 1: And you've been seeing women killing it in a number
26:04
Speaker 1: of sports, right, and things that you wouldn't necessarily assume
26:08
Speaker 1: to be in like well tendance of course, yes, golf
26:13
Speaker 1: now and even motorsports by sport, all the sports. You've
26:17
Speaker 1: seeing women in all of sports and just dominating wherever
26:22
Speaker 1: they set foot. And now Women's NBA is just absolutely
26:27
Speaker 1: killing it and making great strides. So let's now talk
26:34
Speaker 1: about women and succeeding in business after the pandemic. The
26:41
Speaker 1: number one group of businesses that succeeded or that grew
26:47
Speaker 1: be very specific here the biggest business growth since two
26:54
Speaker 1: thousand and four the surge of small businesses were black
26:57
Speaker 1: owned businesses, and of all groups within groups, it was
27:02
Speaker 1: black women. So black women really excelled amongst all groups
27:08
Speaker 1: and started businesses after the pandemic. And then after that
27:11
Speaker 1: came Latino women, a lot of LA businesses, and that's
27:15
Speaker 1: group now is creating this record number of businesses. And
27:20
Speaker 1: they tend to have focuses and the ability to focus
27:25
Speaker 1: on some of the subtleties that allow them to I
27:31
Speaker 1: think have an advantage over men as they pursue certain
27:38
Speaker 1: businesses and industries. So I talked about my mother being
27:43
Speaker 1: a good investor. There are studies now that have proven
27:47
Speaker 1: that women are actually under certain conditions, and I've explained
27:50
Speaker 1: that a second better investors. Well, actually the studies just
27:53
Speaker 1: say that better investors, but that's if you carve out
28:00
Speaker 1: sort of there's day trading thing, like if there there
28:03
Speaker 1: they trade that ten women. Women tend to trade less frequently,
28:08
Speaker 1: better at avoiding over confidence, which I think I think
28:10
Speaker 1: is really funny. So they are not egomaniacs like men are.
28:14
Speaker 1: They focus on goals and research and better performance in
28:17
Speaker 1: down markets. Specifically, what that means is women tend to
28:21
Speaker 1: remain calmer during market downturns, avoiding the panic selling that
28:25
Speaker 1: can harm long term returns. Their patience and discipline offer
28:29
Speaker 1: a result in better performance during volatile periods, and they
28:34
Speaker 1: tend to have a long more of a long term
28:35
Speaker 1: focus on investing well that that's going to give you
28:39
Speaker 1: better returns, and so that's debatable, but I'm just telling
28:43
Speaker 1: you that is the data is in that that uh
28:47
Speaker 1: that under many conditions where as a long term investor,
28:51
Speaker 1: women have been found to be better investors. And that's
28:55
Speaker 1: was my mother's strength that my father could have been
28:58
Speaker 1: it from benefited from. My dad was making the money
29:00
Speaker 1: the short term, and my mother would have been investing
29:03
Speaker 1: in the long term. So you want to you want
29:07
Speaker 1: to optimize everybody's strength and a relationship, and my dad
29:11
Speaker 1: just didn't do that. So are their businesses or their
29:24
Speaker 1: industries or their sectors where women are Just if you're
29:28
Speaker 1: listening to this, you're watching this and you want, you
29:32
Speaker 1: want to find a leg to stand on. You're now inspired,
29:37
Speaker 1: You're encouraged by what you've heard. You're a young girl
29:40
Speaker 1: coming up, You're a person going to college. You're a
29:42
Speaker 1: young woman start setting out in life, your young family,
29:46
Speaker 1: you're or you're maybe you're older in your life and
29:50
Speaker 1: you want to reset your life and you're looking for
29:53
Speaker 1: ways to give you a leg up on somebody else
29:57
Speaker 1: coming into the marketplace. What are businesses and occupant where
30:00
Speaker 1: you might have a strategic advantage as a woman. Well,
30:03
Speaker 1: here you go. Here are a few choices for you.
30:06
Speaker 1: The number one is not should not be a surprise
30:09
Speaker 1: to you. Nursing and healthcare Women tend to excel in
30:13
Speaker 1: nursing and healthcare due to their strong communication skills, their empathy,
30:18
Speaker 1: and natural nurturing instincts. These qualities are critical for patients
30:22
Speaker 1: and building trust with patients. Now, what did I say
30:26
Speaker 1: to you before tying us back to facts that over
30:29
Speaker 1: ninety percent of all nurses are women, and that you
30:33
Speaker 1: know there's also doctors and other categories. But over not
30:36
Speaker 1: evencent of nurses and women. And that is like being
30:38
Speaker 1: an engineer. It's like just a job for life if
30:42
Speaker 1: you do it right right, and I mean a well
30:44
Speaker 1: paying job, a good job of a higher upper middle
30:48
Speaker 1: class occupation. Here's another one for you, human resources. The
30:54
Speaker 1: HR field often benefit from women's strong interpersonal skills ability
30:59
Speaker 1: to manage conflict. I think some people would have a
31:02
Speaker 1: lot of they have a field date with this one
31:04
Speaker 1: building to manage conflent. Okay, whenever you generalize, you discriminate. Okay,
31:07
Speaker 1: but assuming that the dramas out of the situation and
31:10
Speaker 1: people are not making emotional decisions, and nobody's upsetting somebody
31:13
Speaker 1: just the I'm making neutral comments here about a person's
31:20
Speaker 1: natural strengths and weaknesses. A person a profiles natural strengths
31:24
Speaker 1: and weaknesses. So don't get into a fight with me
31:27
Speaker 1: about this, Okay. I make a lot of generalities that
31:30
Speaker 1: you might might disagree with. Like a man learns a
31:34
Speaker 1: love of woman he's attracted to, and the woman becomes
31:37
Speaker 1: more attractive than the man that she loves. I think
31:40
Speaker 1: that that's generally true. That she's my own philosophy. Shure,
31:42
Speaker 1: somebody would disagree with that. But you know, God did
31:45
Speaker 1: know that men were meander thoughs. That's white made women beautiful.
31:48
Speaker 1: We were attracted for visually first and then then we
31:51
Speaker 1: learned to love them and we love him for life,
31:53
Speaker 1: and they're the mother our children and all that kind
31:55
Speaker 1: of stuff. But I think women are deeper. I think
31:58
Speaker 1: women are are more intuitive. I think that women are
32:02
Speaker 1: natural feelers. I think women are we're all terminous to
32:05
Speaker 1: a higher power. Women are more mopent time connected with
32:07
Speaker 1: their emotions and there they're they're real feelings. And have
32:13
Speaker 1: you ever been in a room and a woman will
32:15
Speaker 1: say he ain't right or she ain't she ain't right,
32:18
Speaker 1: And you're like, well, Joe Anne, girl, why are you Susie?
32:22
Speaker 1: Why why are you talking about that person? You don't
32:23
Speaker 1: know that person. Then you find out later that the
32:25
Speaker 1: person did some horrible thing, right, like I just I
32:28
Speaker 1: don't know, it's just a feeling. Well, we're not human
32:31
Speaker 1: beings having a spiritual experience, but we're spiritual beings having
32:34
Speaker 1: a human experience. Energy matters, and women are better intuitively
32:38
Speaker 1: and reading energy. Because women create life. Without women, that
32:41
Speaker 1: be a lot less men. Women create life men don't.
32:44
Speaker 1: It just gives them a strategic advantage. So when I'm
32:47
Speaker 1: talking here like my in our household, my wife is
32:49
Speaker 1: amazing and she she can think with her left side
32:52
Speaker 1: of her brain. She runs service around people. She's extremely smart.
32:55
Speaker 1: But in our relationship, I created the house she turns
32:58
Speaker 1: into a home. She lets me be the thinker. She's
33:01
Speaker 1: a feeler and she's she's much better at the love piece,
33:04
Speaker 1: and I am the feeling piece. I learned from her,
33:06
Speaker 1: and I like to think that she learns from me
33:07
Speaker 1: in my in my area, I build wealth, she builds health.
33:11
Speaker 1: I'm the ego, she's the butterfly. Both are necessary. But
33:15
Speaker 1: everybody has a strength of a weakness and and and
33:19
Speaker 1: don't optimize your weakness, optimize your strength. Right, So, women,
33:25
Speaker 1: if you, if you will bear with me that women,
33:27
Speaker 1: I think because of this, their creators of life have
33:30
Speaker 1: natural instincts. Then I'm going to now give you some
33:33
Speaker 1: natural advantages. I'm gonna give you some occupations to speak
33:36
Speaker 1: to those. And yes, there are exceptions to every rule,
33:39
Speaker 1: and maybe this doesn't apply to you, so let's not
33:41
Speaker 1: get hung up on that, all right. So I mentioned
33:44
Speaker 1: human resources talking about the ability to manage conflict. That
33:47
Speaker 1: was funny to me. Understanding the uh. I think women
33:51
Speaker 1: are emotional geniuses, so that's the whole other thing, and
33:55
Speaker 1: understanding of emotional and social dynamics within an organization. Relations
34:00
Speaker 1: and communications. Women often excel in PR and communication roles
34:05
Speaker 1: do their proficiency in verbal and writ communication, as well
34:09
Speaker 1: as their ability to understand and connect with diverse audiences.
34:14
Speaker 1: Education and teaching. Now I covered that statistically earlier in
34:19
Speaker 1: the podcast, So just tie all this back to the
34:21
Speaker 1: statistics that gave you what many women thrive in educational roles,
34:27
Speaker 1: demonstrating patients, empathy, and strong organizational skills which are essential
34:32
Speaker 1: for managing classrooms and facilitating learning. I mean, isn't a
34:37
Speaker 1: classroom just an organized professional environment of raising a kid
34:41
Speaker 1: in your house. I mean your natural nurturer and a
34:43
Speaker 1: learner and a teacher used doing in a classroom. Let's
34:47
Speaker 1: see what else here. Event planning and management, Women's attention
34:51
Speaker 1: to detail organizational skills again, and ability to MULTITASKLA because
35:00
Speaker 1: I know some people who just can't multitask at all.
35:02
Speaker 1: But you know, okay, I'm going to give you credit anyway, ladies.
35:08
Speaker 1: But event planning and management around around even execution, tends
35:16
Speaker 1: to be an area where women excel more than men
35:19
Speaker 1: marketing and branding. Women often excel and marketing and branding
35:22
Speaker 1: due to their creativity, intuition, and ability to understand consumer behavior,
35:28
Speaker 1: which is crucial to developing effective campaigns. Nonprofit and social
35:32
Speaker 1: work have already covered this. This sector is dominated by women.
35:38
Speaker 1: There's a strong sense of empathy, dedication to social causes,
35:42
Speaker 1: and ability to engage with communities and their stakeholders and
35:45
Speaker 1: to build trust. Again, it's a natural asset interior design
35:50
Speaker 1: and fashion, And it sounds a little sexist, but I
35:53
Speaker 1: think it's actually true. My wife at a fashion house
35:56
Speaker 1: that was extraordinarily successful and it's a passion. She also
35:59
Speaker 1: very good interior design. The house houses. Again, I tend
36:02
Speaker 1: to create the house she turns into a home, and
36:04
Speaker 1: the house is banging, not because of me, because of
36:06
Speaker 1: her her interior design skills. Women frequently excel and creative
36:11
Speaker 1: industries like interior design and fashion due to their keen
36:14
Speaker 1: esthetic sense and the ability to understand and to protect trends.
36:19
Speaker 1: Doesn't mean that men can't, right, but this is just
36:21
Speaker 1: again and that's just sort of a natural advantage for women.
36:24
Speaker 1: I think this one's big. Therapy and counseling women often
36:28
Speaker 1: succeed in therapy and counseling roles, beveraging their empathy, their
36:32
Speaker 1: strong listening skills, and ability to build trust with clients
36:36
Speaker 1: to provide effective support. My mother in love, my mother
36:40
Speaker 1: in law, Penny Dalton, we call her Penny mom Amy Dalton,
36:44
Speaker 1: it's her real name. It's just a wonderful listener. It's
36:48
Speaker 1: so empathetic. She she listens to all the people in
36:50
Speaker 1: her life, mostly your daughter. She loves her daughter in Shadra,
36:53
Speaker 1: my wife. They're good friends. But she's just so anthetic.
36:56
Speaker 1: She's such a good listener. She'd be a great counselor
37:01
Speaker 1: or therapists. It's you know, what is a friend? I mean,
37:07
Speaker 1: was a therapist a paid friend? You know, for lack
37:09
Speaker 1: of a friend, we paid a live pound of couch.
37:13
Speaker 1: So that's a great career for people who have an
37:16
Speaker 1: interest in healing people and using their empathetic skills in
37:20
Speaker 1: a professional way. Corporate leadership and management, increasingly, women are
37:24
Speaker 1: recognized for their effectiveness in leadership roles often bring collaborative, collaborative,
37:30
Speaker 1: and inclusive management styles, strong decision making abilities, and a
37:34
Speaker 1: focus on ethical leadership And don't we need that today?
37:41
Speaker 1: I'm going to to end this podcast today with hopefully
37:47
Speaker 1: a bit of a little bit of inspiration for you
37:51
Speaker 1: as you go out on this journey. You know, you
37:54
Speaker 1: mean again, if somebody's messing with the vice Parsi of
37:56
Speaker 1: the United States, you can pretty much bet they've got
37:59
Speaker 1: messed with you too. But I take no revitamins. I
38:03
Speaker 1: don't know about you not. When as of my self
38:05
Speaker 1: esteem depends on your acceptance of me over to rounded
38:08
Speaker 1: through it, I decide I'm going to get to it.
38:10
Speaker 1: Success is going from failure to failure without loss of enthusiasm.
38:15
Speaker 1: I take no revitamins, you know. I just decide I'm
38:19
Speaker 1: going to succeed, and the haters are just going to
38:22
Speaker 1: make me better, that's all they're going to do. So
38:24
Speaker 1: I get up early, stay of later, work harder, and
38:26
Speaker 1: deliver more because I'm being discounted all the time, and
38:31
Speaker 1: that's fine. I love being underestimated. And I want you
38:35
Speaker 1: to know that your weakness, your so called weakness, is
38:37
Speaker 1: a strength and the facts bear that out. But the
38:43
Speaker 1: facts not going to set you free. Your personal philosophy
38:46
Speaker 1: is going to your mindset and when you're when you're
38:48
Speaker 1: going about your life, I want you to remember this poem. Now, this,
38:52
Speaker 1: this poem going to read to you, was actually part
38:56
Speaker 1: of an inaugural address from a man I met, and
38:59
Speaker 1: I really admire Nelson Mandela, President Nelson Mandela, South Africa.
39:03
Speaker 1: I wear his prison number on my risk all the time.
39:06
Speaker 1: If you see me. The bracelets on one of them
39:08
Speaker 1: is a Mandela's prison number where all the time, every day.
39:12
Speaker 1: And I really loved this man. It's a fantastic leader.
39:16
Speaker 1: And he read a poem. It wasn't trying to take
39:17
Speaker 1: credit for it, but he was given credit with this
39:20
Speaker 1: poem that he read in one of his president's sort dresses.
39:23
Speaker 1: But it's actually written by a woman, Marion Williamson. And
39:27
Speaker 1: the poem is our deepest fear. And I want you
39:31
Speaker 1: to listen to this, right, ladies, young ladies, girls, ladies
39:35
Speaker 1: in the making, ladies resetting your life, those who need
39:41
Speaker 1: to know that you're enough, Here you go. Our deepest
39:46
Speaker 1: fear is not that we are inadequate. Our deepest fear
39:49
Speaker 1: is that we are powerful beyond measure. It is our light,
39:54
Speaker 1: not our darkness, that most frightens us. We ask ourselves,
39:59
Speaker 1: who am I to be brilliant, gorgeous, talented and fabulous Ashley,
40:05
Speaker 1: who are you not to be? You are a child
40:08
Speaker 1: of God. You're playing small does not serve the world.
40:12
Speaker 1: There's nothing enlightened by it about shrinking so that other
40:15
Speaker 1: people won't feel insecure around you. We are all meant
40:18
Speaker 1: to shine, as children do. We were born to make
40:23
Speaker 1: manifest the glory of God. The glory of God that
40:27
Speaker 1: is within us is not just in some of us,
40:32
Speaker 1: it's in everyone. And as we let our own light shine,
40:37
Speaker 1: we unconsciously give other people permission to do the same.
40:42
Speaker 1: As we are liberated from our own fear, our presence
40:46
Speaker 1: automatically liberates others. Go change the world, Ladies, in many ways,
40:51
Speaker 1: you already have let your light shine, And remember that
40:55
Speaker 1: rainbows only follow storms. Cannot have a rainbow without a
40:59
Speaker 1: storm first. And anybody, step on your fears, step on
41:04
Speaker 1: your dreams, and make your fears manifest. Courage nothing more
41:09
Speaker 1: than your faith reaching through your fear. Displaying yourself as
41:12
Speaker 1: action in your life is from my books Love Leadership,
41:14
Speaker 1: one of my first books I've ever written. And you
41:18
Speaker 1: can't grow without legitimate suffering. So hopefully this has been
41:22
Speaker 1: a point of inspiration for you to know that you
41:25
Speaker 1: are enough and to step into your greatness and to
41:29
Speaker 1: make well, to be the change that I just articulated
41:32
Speaker 1: in this podcast for almost an hour. With you, be
41:35
Speaker 1: the change you want to see in the world. I'll
41:38
Speaker 1: see you at the finish line. And when you see
41:40
Speaker 1: me in the airport or you see me someplace, stop
41:42
Speaker 1: me and say I am somebody be and you will
41:48
Speaker 1: be the manifest destiny. Watch how you live your life
41:50
Speaker 1: and may be the only Bible anybody else reads. Don't
41:53
Speaker 1: let anybody get you down, and don't let anybody step
41:56
Speaker 1: on your dreams. As doctor King said in Memphis talking
42:00
Speaker 1: to the sanitation workers, you going to be a sanitation worker,
42:03
Speaker 1: be the best one that anybody's ever seen. And don't
42:05
Speaker 1: bend down or bend over. Nobody can ride your back.
42:07
Speaker 1: Stand up straight. Nobody can ride you back unless your
42:10
Speaker 1: bit over. Stand up straight and walk with pride. This
42:14
Speaker 1: is John O'Brien. This is the Money and Wealth podcast
42:18
Speaker 1: series on the Black Effect Network on Iheight Radio, and
42:22
Speaker 1: this is highlighting the untapped power of women, the economic
42:28
Speaker 1: power of women who've already changed the world and will
42:34
Speaker 1: do so again in the future. I'm out. Get the podcasts,
42:40
Speaker 1: Tell your friends, get the book Financial Lucy for all
42:43
Speaker 1: go to Operation Hope, download the Business Plan for America,
42:46
Speaker 1: and I'll see you around the country on the American
42:48
Speaker 1: Aspiration Tour, which is coming to a city near you.
42:51
Speaker 1: Check the dates online. Money and Wealth with John O'Brien
43:09
Speaker 1: is a production of the Black Effect Podcast Network. For
43:12
Speaker 1: more podcasts from the Black Effect Podcast Network, visit the
43:15
Speaker 1: iHeartRadio app, Apple Podcasts, or wherever you listen to your
43:20
Speaker 1: favorite shows.