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Study Hall: The Top College Hacks with Professor Lenny & Jeff · Earn Your Leisure

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Speaker 4: So we'll jumped right into it. So you guys are
2:09
Speaker 4: college professors, right, and you know college is something that
2:13
Speaker 4: is very it's a it's a hot topic and it's
2:17
Speaker 4: something that triggers a lot of emotions in people, especially nowadays.
2:20
Speaker 4: It's like anytime we put a post on Instagram about college,
2:23
Speaker 4: we get a thousand comments and people saying like it's
2:25
Speaker 4: a scam, no, wats your money, and other people saying
2:28
Speaker 4: all kinds of stuff. Right, So I'm just going to
2:31
Speaker 4: jump I'll just jump right into it. Is college still
2:34
Speaker 4: necessary to be successful? Or it wasn't really ever necessary,
2:39
Speaker 4: but in today's society it's college still necessary, still needed.
2:45
Speaker 5: I mean I think that college, I mean it's not needed,
2:49
Speaker 5: it's I mean, it's something that you can do to
2:50
Speaker 5: it's something that's possible.
2:51
Speaker 6: I think should be an option, right.
2:53
Speaker 5: I don't think it should be forced upon that people
2:55
Speaker 5: have to go to college.
2:56
Speaker 6: I know.
2:57
Speaker 5: I will say there's other ways of being success full
3:00
Speaker 5: and go into certain fields that college is not needed
3:03
Speaker 5: as much as it was five years ago. But some
3:06
Speaker 5: things you do need, like if you want to be
3:07
Speaker 5: a lawyer or a doctor, or you're in a stem
3:09
Speaker 5: fields like college can be very productive. But then there's
3:12
Speaker 5: some other majors where honestly you can you can learn
3:15
Speaker 5: on YouTube, or you can learn about reading books, or
3:16
Speaker 5: you can learn about just doing so, I don't think
3:19
Speaker 5: it has to be a necessary thing to go to college,
3:22
Speaker 5: but I do think it should still be an option.
3:24
Speaker 7: Yeah, I think also one of the biggest things about
3:26
Speaker 7: college are the networks and the relationships that are made.
3:31
Speaker 8: So it's very far and.
3:32
Speaker 7: Few in between that you get to sit in a
3:35
Speaker 7: room with a doctor, a future lawyer, a future dentist,
3:40
Speaker 7: a future teacher and have conversations that are not about
3:44
Speaker 7: your fields of study. And because we all know that
3:47
Speaker 7: once we get into our you know, our real lives
3:49
Speaker 7: after college, it starts to become a little bit closer
3:52
Speaker 7: in the bubble where you're just dealing with people who
3:54
Speaker 7: are who have similar interests. So college, for that particular space,
3:59
Speaker 7: there's not many any other places that create that type
4:01
Speaker 7: of environment. And academically there are some fields that do
4:05
Speaker 7: still need it. But you know, I think that these institutions,
4:10
Speaker 7: a lot of them are just not created for the
4:13
Speaker 7: benefit of the students. I mean, there are a number
4:16
Speaker 7: of colleges and universities that are doing that work, but
4:18
Speaker 7: I think there are a lot that are scamming people,
4:20
Speaker 7: and I think there are a lot that are not
4:23
Speaker 7: doing the work.
4:24
Speaker 3: It used to be looked at as a badge into
4:26
Speaker 3: middle class life. But you had to have that piece
4:29
Speaker 3: of paper if you wanted to get a good job,
4:32
Speaker 3: get a house like that. That's going away with like
4:34
Speaker 3: what any was just saying. It's like some things we're
4:36
Speaker 3: just going to learn on the fly, Like we say
4:38
Speaker 3: this all the time. We have no training in broadcasting,
4:40
Speaker 3: but we're doing a podcast, right, Like we're learning these
4:43
Speaker 3: things as we go. And I think, like, yes, there
4:46
Speaker 3: are options that you can do outside of going to school,
4:48
Speaker 3: but if there are our careers like lawyers and dogs,
4:50
Speaker 3: like you said, it's mandatory. Man, I'm a college guy, right,
4:54
Speaker 3: Like we had to do it in education, but like
4:56
Speaker 3: I said before, like I feel like we could. I
4:58
Speaker 3: could have done it out of high school given the
5:00
Speaker 3: proper training, rather than seven years of dedication to that career.
5:03
Speaker 6: You know what I mean.
5:05
Speaker 4: I think what college does is we live in a
5:08
Speaker 4: society where image is very important, right, So what college
5:12
Speaker 4: does is that it gives you a badge to say, Okay,
5:16
Speaker 4: I have a certain level of success already built in
5:20
Speaker 4: because I've completed my degree. So now I can at
5:25
Speaker 4: least speak to you on an intelligent level when I
5:27
Speaker 4: can be taken seriously, which is not always the case, right,
5:31
Speaker 4: because there's plenty of people that graduated from what Kanye speaple.
5:33
Speaker 4: Kanye said, people graduate from college will be still stupid.
5:37
Speaker 4: That happens all the time. And then you got some
5:40
Speaker 4: people who never went to college who are brilliant or
5:43
Speaker 4: never finished college that are brilliant. So my personal opinion
5:46
Speaker 4: on it is that I think that college is beneficial.
5:49
Speaker 4: It can be beneficial from the social standpoint, specifically from
5:53
Speaker 4: a social standpoint and growing as an adult, right because
5:57
Speaker 4: especially if you go away from college, that's probably your
6:00
Speaker 4: opportunity living on your own and you mature, you develop
6:03
Speaker 4: a certain relationships, you meet people. That part you really
6:07
Speaker 4: can't get just going out of high school. In the
6:10
Speaker 4: real world, you can, but it's a lot more difficult.
6:13
Speaker 4: You're not in an incubator where you're just around a
6:16
Speaker 4: thousand people and you can just develop those type of relationships.
6:19
Speaker 4: It's not easy to do that and just real world life.
6:23
Speaker 4: But I feel that a lot of times people are
6:25
Speaker 4: misguided right when they go to college. So this is
6:28
Speaker 4: my next question. As far as you know, one of
6:30
Speaker 4: the biggest things for college for me is majors. Right,
6:34
Speaker 4: So you guys are on the inside. And I see.
6:36
Speaker 4: I saw that even when I was in school. Anybody
6:39
Speaker 4: that doesn't know I have a communications degree, I don't
6:41
Speaker 4: have a business degree. So but when I went to school,
6:46
Speaker 4: they told me like, look, just get a degree. Doesn't matter.
6:48
Speaker 4: If you're not trying to be a doctor or a
6:50
Speaker 4: rocket scientist, it doesn't matter. And it honestly didn't because
6:54
Speaker 4: when I graduated, I'm a financial advisable. When I graduated,
6:57
Speaker 4: in order to do what I had to do, I
6:59
Speaker 4: had to pass three different tests. So I had to
7:01
Speaker 4: study for like nine months. So it doesn't matter if
7:05
Speaker 4: I would have got a business degree or not, I
7:06
Speaker 4: still would have had to study. So it's kind of
7:07
Speaker 4: like I went to college. After I went to college anyway,
7:10
Speaker 4: and now I have my licenses so I can do
7:12
Speaker 4: whatever I want to do. So but I could have
7:13
Speaker 4: had an art degree. I could have had any kind
7:15
Speaker 4: of degree, right, So how important is it to pick
7:19
Speaker 4: the right major and how do you determine what is
7:23
Speaker 4: the right major?
7:24
Speaker 5: So this is for parents and people got in students
7:28
Speaker 5: for college. So before I was a professor, I should
7:30
Speaker 5: work in a mission. So the most important part when
7:33
Speaker 5: talking to parents or talking to students is when you're
7:36
Speaker 5: choosing a school, especially when it comes to majors, your
7:39
Speaker 5: major should be a top five major within that school.
7:42
Speaker 5: What I mean by that is top five with enrollment
7:45
Speaker 5: and also they have placement for the companies that deal
7:48
Speaker 5: exactly what your major. And if you're not in those
7:52
Speaker 5: top five areas for your major, what can happen, honestly
7:54
Speaker 5: is you can be two years in at the school
7:56
Speaker 5: and if there's not enough students enrolled in that program,
7:59
Speaker 5: your program, and now you're still at that college. So
8:01
Speaker 5: it's very important as we guide our students telling to
8:04
Speaker 5: go to college. Yeah that's great, but please make sure
8:07
Speaker 5: whatever field you're trying to go into is one a
8:10
Speaker 5: popular major within the school. Two has the partnerships outside
8:14
Speaker 5: of the school with the different companies. And then, last,
8:16
Speaker 5: but not least, is the mentality of knowing where the
8:20
Speaker 5: United States or where your country where you're living at
8:22
Speaker 5: is going to be the next five years as far
8:24
Speaker 5: as the job marketing careers and what's going to be
8:26
Speaker 5: in demand. Not what I always say this mentality of
8:29
Speaker 5: not five minutes from now, start taking five years from now.
8:32
Speaker 6: Right.
8:32
Speaker 5: So when you're making that decision, what does a communications
8:35
Speaker 5: degree look like five years.
8:36
Speaker 6: From now, right, what does that feel looks like? Look like?
8:38
Speaker 6: Is every going to be around photography?
8:40
Speaker 5: Is that's something that you really have to go to
8:41
Speaker 5: school for when you can potentially learn that, you know,
8:44
Speaker 5: So that's that's kind of the key when picking your
8:46
Speaker 5: majors is making sure that the school provides the resources
8:49
Speaker 5: but can also place you at the job. But it
8:51
Speaker 5: also is a demand. But in the next few years,
8:54
Speaker 5: I couldn't agree more.
8:55
Speaker 6: Man Like.
8:55
Speaker 3: A lot of times, especially in our community, when our
8:58
Speaker 3: kids think about college, the first thing they think out
9:00
Speaker 3: the athletics, right, like I want to go to do
9:02
Speaker 3: or I want to go in North Carolina, I want
9:04
Speaker 3: to go to Yukon, right, And when you get there,
9:05
Speaker 3: if you're not there on athletics, it's like, well, I
9:08
Speaker 3: want to study communications. Well that's not one of those majors.
9:11
Speaker 3: That is one of the best things at that school.
9:13
Speaker 3: So like you should be looking past just like, yo,
9:16
Speaker 3: I'm alumni and I go to that school for the sports,
9:19
Speaker 3: right if it means it doesn't mean as much when
9:21
Speaker 3: you come out of Yukon with a communication gree.
9:24
Speaker 4: I have a communication degree, you know what I'm saying.
9:26
Speaker 8: But I want to go back to what you said.
9:28
Speaker 8: I don't go back to what you said because you
9:30
Speaker 8: said that.
9:30
Speaker 6: It doesn't matter.
9:31
Speaker 3: And in my head, I'm like, yeah, it doesn't matter
9:34
Speaker 3: if you're on an athletic scholarship. If it matters to
9:37
Speaker 3: a guy like me, who was like, I'm studying physical
9:39
Speaker 3: therapy and I don't want to be a physical therapist,
9:41
Speaker 3: right and I've paid thirty thousand dollars for four years,
9:44
Speaker 3: It's like this matters a lot, right, Like, now what
9:47
Speaker 3: do I do? Do I have to continue going when
9:49
Speaker 3: I don't want to do this? Or do I have
9:51
Speaker 3: to figure out what can I do?
9:52
Speaker 6: Like that?
9:53
Speaker 3: I kind of fell into that thing. It was like
9:55
Speaker 3: the school I was at it was great for physical therapy.
9:57
Speaker 3: I couldn't pass the science classes. I'm like, yo, I'm
10:00
Speaker 3: not going to be a physical therapist. I got to
10:01
Speaker 3: figure out what I can get and gratefully I was
10:04
Speaker 3: able to go to school with a health science degree,
10:06
Speaker 3: and I was.
10:06
Speaker 6: Like, all right, well what does that even mean? You
10:09
Speaker 6: know what I'm saying.
10:09
Speaker 3: So I have to start figuring out, like and what's
10:11
Speaker 3: gonna happen.
10:12
Speaker 5: We talk about this all the time, and Jeff in
10:15
Speaker 5: particular use this analogy of you know, and everything else
10:18
Speaker 5: you buy something, you challenge to make sure that the
10:20
Speaker 5: service that they're providing is correct, right. And I feel
10:23
Speaker 5: like people are not challenging some of these schools when
10:26
Speaker 5: they're paying all this money. You know, you're paying and
10:28
Speaker 5: maybe because you're not physically using cash and handing over
10:31
Speaker 5: fifty thousand dollars, you're not seeing the money, so you
10:33
Speaker 5: maybe don't care as much as if you're going to
10:35
Speaker 5: a restaurant, like you know, Jeff always says about, you know,
10:39
Speaker 5: if you order steak and they bring out chicken nuggets,
10:41
Speaker 5: are you gonna eat chicken nuggets?
10:42
Speaker 6: Or you're going to say I ordered steak.
10:44
Speaker 5: And many times students are paying all this money for
10:47
Speaker 5: a school and then not providing the services that they're promised,
10:50
Speaker 5: and they're not challenging the school right or asking questions before.
10:54
Speaker 5: And I don't know, maybe it's because again you're not
10:56
Speaker 5: physically handing that money over and you think, I, oh,
10:58
Speaker 5: I'll just get a job and I paid all later.
11:00
Speaker 5: But I think it should really treat it like everything
11:02
Speaker 5: else you purchase.
11:03
Speaker 3: That that's a problem, especially in our community, man, like
11:05
Speaker 3: we don't know how to advocate for the things we want.
11:08
Speaker 3: Like I've seen it over and over with parents not
11:10
Speaker 3: being able to advocate for the kids. But then the
11:11
Speaker 3: kids grow up and they don't know how to advocate.
11:13
Speaker 3: So if they all being mistreated at school and the
11:15
Speaker 3: things that not being about it, it's like who.
11:17
Speaker 4: Do I How do you challenge the system? Because I
11:20
Speaker 4: mean that's like going up against system.
11:25
Speaker 6: So I don't want to even say, like challenge the system.
11:27
Speaker 6: It's simple things.
11:28
Speaker 5: So if there's like a college fair at your school,
11:29
Speaker 5: like every school, typically at high school, they bring in
11:31
Speaker 5: college representatives, you know, instead of asking questions like students
11:36
Speaker 5: get these questions from guidance counselors and some people. I
11:38
Speaker 5: don't know where they get these questions from, like what's
11:40
Speaker 5: the percentage of student success at your school? Like that's
11:43
Speaker 5: not the question should be asking. You'd be asking, you know, look,
11:46
Speaker 5: I want to be an engineer. How can you how
11:47
Speaker 5: can this school help me become an engineer? How can
11:50
Speaker 5: this school help me become a bio mechanical engineer?
11:53
Speaker 6: Like whatever?
11:53
Speaker 5: How does how? What are the tools at your school
11:56
Speaker 5: to get me there? But also is this major a
11:58
Speaker 5: popular major at your school? Can I talk to somebody
12:01
Speaker 5: at the institution, the career center and find out how
12:04
Speaker 5: many people you placed at a job in the last
12:06
Speaker 5: three to four years at point. You know, like those
12:08
Speaker 5: type of questions need to be asked, and unfortunately we don't.
12:12
Speaker 5: We don't provide those resources, them tools enough, and that's
12:15
Speaker 5: why we create the platform that we create.
12:17
Speaker 6: That's part of the things that we deal with to let.
12:18
Speaker 5: Students know, like you do have a voice number one
12:21
Speaker 5: and number two to ask those type of questions before
12:24
Speaker 5: spending all of this money.
12:26
Speaker 4: Jef, I wanted to ask you a question. We spoke
12:28
Speaker 4: of CAM about the hitting curriculum.
12:30
Speaker 7: Yeah, so the idea, so it kind of goes into
12:33
Speaker 7: the aspect that the students don't know who to ask,
12:37
Speaker 7: so that there is that problem I don't know where
12:40
Speaker 7: to go, and the institutions are not doing the job properly.
12:45
Speaker 7: A lot of institutions are not doing the job properly
12:47
Speaker 7: and creating a space for students to understand things like
12:51
Speaker 7: acronyms that students don't know. So I don't know what
12:54
Speaker 7: FASSA might stand for, and that's talking about financial aid.
12:57
Speaker 7: If you don't know what that means, then you're out
12:59
Speaker 7: of luck. You don't know what the bursar office means.
13:02
Speaker 7: And these are the things that are just directly dealing
13:04
Speaker 7: with your money.
13:05
Speaker 6: Sounds like it's already.
13:07
Speaker 8: So you don't know what these things are.
13:08
Speaker 7: So I think it's just essential for And this is
13:12
Speaker 7: where I think the big problem is is that there
13:14
Speaker 7: are institutions that are about creating careers for people who
13:17
Speaker 7: want to be educators.
13:19
Speaker 8: So they want to go up.
13:20
Speaker 7: The ladder and become vice presidents and become deans and
13:23
Speaker 7: become provosts and presidents of institutions without caring about the students.
13:28
Speaker 7: So then they create these platforms and they create these
13:30
Speaker 7: spaces where the students cannot succeed.
13:32
Speaker 8: So I'm not going to sugarcoat it.
13:34
Speaker 7: There are academic institutions that are out there primarily just
13:37
Speaker 7: to build careers and primarily just to make money. The
13:40
Speaker 7: proper institutions that are doing the work are the ones
13:43
Speaker 7: that say we are going to make sure that you
13:45
Speaker 7: know who to speak to. And with the hidden curriculums,
13:49
Speaker 7: that just means that there are things that are being
13:51
Speaker 7: hidden in regular nomenclature. So it's saying we know what
13:55
Speaker 7: it is, but a seventeen year old does not know
13:57
Speaker 7: what that is, and we expect them to know what
13:59
Speaker 7: it is, then succeed in that space, and then excel
14:02
Speaker 7: beyond that. And then by the time they hit to
14:04
Speaker 7: year two or three, we see the retention level drops
14:07
Speaker 7: because the student doesn't know what the term retention even means.
14:10
Speaker 7: So we're saying, we want to keep you here, but
14:12
Speaker 7: are we even doing the work that needs to be done.
14:15
Speaker 7: So ultimately, at the end of the day, that's where
14:17
Speaker 7: we have to start to do more work, is saying
14:20
Speaker 7: what are the students getting and who do they need
14:22
Speaker 7: to speak to so to really touch on the comments
14:24
Speaker 7: that we were just saying. One of the things that
14:26
Speaker 7: I can tell all people who are sending any of
14:28
Speaker 7: their students to college or are going back to school themselves,
14:31
Speaker 7: is that you have to really find particular individuals on
14:34
Speaker 7: your campus. I can't stress the I can't stress it
14:38
Speaker 7: enough that you have to get involved, and I means
14:40
Speaker 7: you have to find somebody who's already doing the work
14:42
Speaker 7: and make sure you align yourself with that. Find the
14:45
Speaker 7: Jeff or the Lenny on your campus and sit in
14:47
Speaker 7: their office introduce yourselves, because what ends up happening is
14:51
Speaker 7: I'm the one that's going to put you in touch
14:52
Speaker 7: with this person, that person, this individual to help you
14:55
Speaker 7: succeed because doing it by yourself is literally impossible.
14:58
Speaker 4: Now we was talking off cameras too, when it's difficult
15:00
Speaker 4: because I think my experience is a little jaded because
15:04
Speaker 4: I was I played basketball, so when I went to school,
15:07
Speaker 4: I got I was on athletic scholarship. So if anybody's
15:10
Speaker 4: not familiar athletes, it's different, especially at a Division I school.
15:13
Speaker 4: So when I got to campus, you know, we had
15:17
Speaker 4: our own study hall just for the athletes. We had
15:19
Speaker 4: our own advisor just for the athletes. Our books was free,
15:24
Speaker 4: and you know, they would stay on us like make sure,
15:27
Speaker 4: like what are you're doing? Like you just going to class?
15:29
Speaker 4: You know what I mean. It's like so it's easier
15:31
Speaker 4: because it's more structured. But for somebody that's just going
15:35
Speaker 4: to college on their own, and especially if your if
15:38
Speaker 4: you know, your parents didn't go to college, but you
15:39
Speaker 4: don't your first generation, it's a lot that goes into
15:43
Speaker 4: college that's different from high school. Like I remember the
15:45
Speaker 4: valid valedictorian of my school a couple of years ago,
15:48
Speaker 4: that my high school that I went to. He's a
15:50
Speaker 4: lot younger than me. Obviously, and I spoke to him.
15:52
Speaker 4: He's in Harvard, and I was asking him, like, how
15:54
Speaker 4: you're doing at Harvard, and he's like, you know, I
15:56
Speaker 4: wasn't prepared. This is the valedictorian of the school kid, obviously,
16:00
Speaker 4: but he's like high school which is just so easy
16:03
Speaker 4: for me, and I'm in Harvard and it's just way different.
16:06
Speaker 4: And he was like, you know, I never realized how
16:09
Speaker 4: much I wasn't prepared until I was in that position.
16:12
Speaker 4: And I think that that happens all the time, and
16:14
Speaker 4: like you said, a lot of times unfortunately, especially you know,
16:16
Speaker 4: you might have family issues, whatever, kids just drop out
16:19
Speaker 4: because you know, you fall behind a couple semesters and
16:23
Speaker 4: let alone, not even talking about financial issues, just social
16:27
Speaker 4: issues and just dealing with school and structuring your time.
16:31
Speaker 4: It's like, how can somebody fully equip themselves for making
16:35
Speaker 4: that jump from high school to college?
16:37
Speaker 7: First you sign up with Trill or not Trill, but
16:41
Speaker 7: you know, to fully equip yourself, it takes a lot.
16:44
Speaker 7: And this is where we have to really invest. We
16:47
Speaker 7: were just talking about that off camera too, about how
16:49
Speaker 7: much money you place on a college degree, whether you're
16:51
Speaker 7: going there for free or you're paying full tuition, there's
16:54
Speaker 7: no I mean outside of a house, there's no larger
16:58
Speaker 7: investment that you're really making problem throughout your life. And
17:01
Speaker 7: in the same way that you invest in the house,
17:03
Speaker 7: you're searching for multiple houses. But then even before that,
17:06
Speaker 7: you want to know how is the house, how you know,
17:08
Speaker 7: how is it built? What was What do I have
17:10
Speaker 7: to do to fix this space? What do I have
17:12
Speaker 7: to do to make sure that my family, if I
17:14
Speaker 7: want to start a family, goes in here. It can't
17:16
Speaker 7: just be let me just show up, pull up and
17:18
Speaker 7: figure out the rest investment, right, And so what people
17:22
Speaker 7: have to do is is really start to invest in
17:25
Speaker 7: the child and the student's education before they even get
17:28
Speaker 7: in there and find the programs because colleges and universities
17:31
Speaker 7: some of them will do it, but a lot of
17:32
Speaker 7: them will not. And say, listen, we're going to give
17:34
Speaker 7: you a two day orientation session to figure out how
17:37
Speaker 7: to succeed in college. And you know you and they're
17:41
Speaker 7: trying to holler at other people you and they're trying
17:43
Speaker 7: to have fun, you know, because they're also doing that too.
17:47
Speaker 8: There's a dj at that things directors there.
17:50
Speaker 7: You're sitting here thinking like, man, I don't even know
17:52
Speaker 7: what registraw is, and I remember like, as a college student,
17:55
Speaker 7: I was like, is it register And they're like, no,
17:57
Speaker 7: it's registrar And I'm like, why what is that when
18:00
Speaker 7: you're registering for class?
18:01
Speaker 8: Correct, when you're registering for class.
18:03
Speaker 7: So there are these simple little things that students aren't
18:07
Speaker 7: prepared for, and so for me, I just think that
18:09
Speaker 7: you have to invest in the same way that you
18:11
Speaker 7: would invest in a house, the same way that you
18:13
Speaker 7: wouldn't buy.
18:14
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21:04
Speaker 8: Without making every possible detail before it. You have to
21:07
Speaker 8: do the same.
21:08
Speaker 5: And I think the key is invest past financials because
21:11
Speaker 5: a lot of people always talk about college and investing
21:13
Speaker 5: and it's only the financial piece when we're saying about
21:15
Speaker 5: the investment, saying due to research as well and understand
21:19
Speaker 5: where college is going, what colleges are doing at different
21:21
Speaker 5: degrees because it can be really beneficial for you.
21:25
Speaker 4: And it's also very important I think what Jeff said
21:27
Speaker 4: as far as to find people on campus that know
21:31
Speaker 4: the deal and because that helped me out a lot.
21:33
Speaker 4: As far as like when I first got there, I
21:36
Speaker 4: had somebody job at my mansion. Well he's from the
21:38
Speaker 4: Bronx and he was a junior when I was a freshman.
21:41
Speaker 4: He was on the team and he was seasoned. He
21:43
Speaker 4: was there for two years. So he kind of explained
21:45
Speaker 4: to me, like, take this class, don't do this and
21:48
Speaker 4: have this many credits, and like this professor is cool,
21:51
Speaker 4: and he kind of walked me through it and from
21:54
Speaker 4: there I was able to have a smooth transition. But
21:57
Speaker 4: I think it's important to have that mentor. I don't
21:59
Speaker 4: know if schools have program they do.
22:02
Speaker 5: And then the other thing before you even talk about
22:04
Speaker 5: what you want. The mentors just don't get too caught
22:06
Speaker 5: up on titles as well. Right, looking for somebody with
22:09
Speaker 5: a leadership title to be a mentor. There's just people
22:11
Speaker 5: on campus that literally run a campus but don't have
22:14
Speaker 5: any fancy title.
22:15
Speaker 3: There be no person that works in a book store
22:16
Speaker 3: right right, everybody and they've been there for twenty years,
22:19
Speaker 3: so they know exactly what books to get, they know
22:21
Speaker 3: exactly where to go.
22:22
Speaker 8: There's the person who's cleaning up the student union building.
22:26
Speaker 7: They're know, hey, listen, you know you need to join
22:28
Speaker 7: this club, or hey, you know you need to talk
22:29
Speaker 7: to Jeff because Jeff.
22:30
Speaker 8: Knows who everybody is.
22:32
Speaker 7: And so that's where, you know, we always talk about
22:34
Speaker 7: the difference of what a mentor means. So we tell people,
22:38
Speaker 7: number one, you need a digital mentor, and a digital
22:40
Speaker 7: mentor is somebody that is online, that has an online
22:43
Speaker 7: presence at that institution or otherwise that you know, you
22:46
Speaker 7: can just watch what they're doing. And that might just
22:48
Speaker 7: mean I'm watching somebody's Instagram feed or Twitter feed and saying,
22:52
Speaker 7: all right, you know what I need to just know
22:53
Speaker 7: because this person is providing a wealth of information. There's
22:56
Speaker 7: a generational mentor, so that means you also need to
22:58
Speaker 7: know somebody who is from a different generation than you are,
23:01
Speaker 7: younger and older, who have different mindsets and different viewpoints
23:05
Speaker 7: that you can say, all right, this is the generational
23:07
Speaker 7: mentor that's older than I am, that's going to be
23:09
Speaker 7: providing me the traditional sense of leadership.
23:11
Speaker 8: But then here's this person that's.
23:12
Speaker 7: Also maybe a little bit younger than I am, that
23:14
Speaker 7: I can give them information and then they give me
23:16
Speaker 7: back some information.
23:18
Speaker 5: And then like your boy that you said at your school,
23:20
Speaker 5: be what we call peer mentor right right, somebody that's
23:23
Speaker 5: in that same age range, same age bracket doing this,
23:26
Speaker 5: you know the same things that you're doing, and that's
23:28
Speaker 5: a fellow peer of yours that can really help.
23:30
Speaker 4: You out for sure. All right, So now we're going
23:32
Speaker 4: to go into the next seven. We're going to talk
23:34
Speaker 4: about the financials, and we're also going to talk about
23:35
Speaker 4: chill or natural so yeah, yes, I love that. All right.
23:41
Speaker 4: So now we're going to talk about the number one
23:43
Speaker 4: thing when it comes to school is how to pay
23:46
Speaker 4: for it?
23:46
Speaker 3: Right, money, money, As we said, man, it's the biggest
23:50
Speaker 3: financial decision that they're going to make. And they have,
23:53
Speaker 3: especially high school schoents, they got about three years and
23:56
Speaker 3: that's you're making that decision at eighteen. Like a lot
23:58
Speaker 3: of people won't get approved the loan for a house,
24:01
Speaker 3: they probably won't. They may not get approved to get
24:03
Speaker 3: a loan for a car, but they will get approved.
24:06
Speaker 4: Student loan is real and something like I said once again,
24:09
Speaker 4: I was fortunate not to have to a loan because
24:11
Speaker 4: I had a scholarship. But I have brothers and sister
24:13
Speaker 4: and they both have to I think they're both still
24:15
Speaker 4: paying on this. They're both older than me. But student
24:19
Speaker 4: loans is real. Financial leid is definitely real. All that
24:22
Speaker 4: is real, So you.
24:23
Speaker 6: Can't escape it. No, no, no filing for bankruancy on
24:25
Speaker 6: student loan.
24:26
Speaker 4: Oh they're gonna want their money, thank you, so so,
24:37
Speaker 4: But like, what's what's What's some hacks that parents because
24:40
Speaker 4: a lot of parents listen to our podcasts and you know,
24:43
Speaker 4: might have children in college or children getting ready to
24:45
Speaker 4: go to college. What some hacks that and even children
24:48
Speaker 4: or young adults can use to minimize the cost of college.
24:53
Speaker 5: One of the big hacks for high school students is
24:56
Speaker 5: taking college courses while you're in high school. Now, so
25:00
Speaker 5: high schools and some districts provide that, and they're called
25:03
Speaker 5: like articulation agreements, another fancy words, another fancy hire Edward,
25:08
Speaker 5: but their call articulation or dual agreements or partnerships where
25:12
Speaker 5: a lot of community colleges now and some four year
25:14
Speaker 5: schools are trying to build upon their enrollment. So what
25:18
Speaker 5: they're doing is they're they're allowing high school students to
25:20
Speaker 5: start taking classes at a lower rate or for free.
25:23
Speaker 6: So that's something where you look at in your in
25:25
Speaker 6: your area, your.
25:26
Speaker 5: Region, your district, especially within the community colleges, your kids
25:30
Speaker 5: can take some of those level one hundred.
25:32
Speaker 6: Courses at a lower rate. How do you how do
25:34
Speaker 6: you get going on campus? You can go on campus,
25:37
Speaker 6: so you can call.
25:37
Speaker 5: What you can do is you can call most colleges
25:41
Speaker 5: have what they call like a pre college program, pre
25:43
Speaker 5: summer program, summer academies, and look look inside of some
25:47
Speaker 5: of those programs, those summer camps and maybe don't send
25:49
Speaker 5: your kids to maybe your sports camp in the town.
25:52
Speaker 5: You send them to a business academy camp at like
25:55
Speaker 5: let's say a Pace University, and then they can potentially
25:58
Speaker 5: get credits for class while they're at that camp.
26:02
Speaker 6: So that's that's the way to kind of look at it.
26:04
Speaker 5: I would look at your local community colleges first, give
26:07
Speaker 5: them a call.
26:08
Speaker 6: A lot of them do allow high school students to.
26:10
Speaker 5: Take classes on Saturdays and at night, So that's something
26:14
Speaker 5: that you can you can definitely look out for, and
26:17
Speaker 5: you can go in as what they call another fancy
26:18
Speaker 5: college where like a non matriculated student.
26:21
Speaker 4: That's yeah, that's a good word.
26:22
Speaker 6: I know.
26:23
Speaker 7: I think another thing too is to just be honest
26:26
Speaker 7: about going to community colleges. So community colleges are way
26:29
Speaker 7: less expensive than they are than for your institutions are.
26:33
Speaker 7: And so if your student is not fully prepared because
26:36
Speaker 7: they just don't know.
26:37
Speaker 8: I mean, at eighteen, you just may not know.
26:38
Speaker 7: And at eighteen, I thought I was going to be
26:40
Speaker 7: a high school basketball coach, teaching English classes that in
26:43
Speaker 7: my old high school, and that's what I thought I
26:45
Speaker 7: was going to do. And I went into college thinking
26:47
Speaker 7: that that was the plan. And I realized that I
26:49
Speaker 7: didn't want to do that at all about two years
26:52
Speaker 7: into the game, and so I had I don't know
26:55
Speaker 7: if community college was particularly for me, but I'm paying.
26:58
Speaker 7: I paid for those two years, and I paid a
26:59
Speaker 7: lot of money for those two years. And for some
27:02
Speaker 7: people who are just not quite sure if they want
27:04
Speaker 7: to go to college or if this institution is go
27:07
Speaker 7: to a two year and bang out two years of
27:09
Speaker 7: college that are going to be a lot less expensive,
27:12
Speaker 7: and then succeed at those two years and then you
27:13
Speaker 7: can get into whatever school you want.
27:15
Speaker 8: I mean, Harvard is giving away.
27:17
Speaker 7: Full scholarships to students who excel at a community college,
27:20
Speaker 7: as are so many other excellent institutions, So you know,
27:23
Speaker 7: I think that's one that's another way to minimize some
27:27
Speaker 7: of the costs. And another thing I wanted to add
27:30
Speaker 7: is alumni offices are a secret hidden money giving a space.
27:37
Speaker 7: It's called advancement at most universities. But your alumni offices
27:42
Speaker 7: are always collecting money from donors who are saying, we
27:47
Speaker 7: want to give money to a black male student from
27:51
Speaker 7: upstate New York who enjoys watching soccer, and they literally
27:57
Speaker 7: will say, that's the only way we're going to give
27:59
Speaker 7: five thousand dollars to this program. Or we're going to
28:01
Speaker 7: give five thousand dollars to a student who's involved in
28:04
Speaker 7: the Haitian Students Club, and that's the only way we're going
28:06
Speaker 7: to give five thousand dollars. I donate to my school,
28:09
Speaker 7: and I give money only to the Black Student Union
28:13
Speaker 7: that helps shape my career. So we have money that
28:16
Speaker 7: we give to you have to be involved in that club.
28:18
Speaker 7: But students don't know because they don't always announce those scholarships.
28:22
Speaker 7: They're just there on the website that nobody knows.
28:25
Speaker 8: So I tell.
28:26
Speaker 7: Students once a month going to that office and say
28:29
Speaker 7: are you offering any scholarships and they will be there.
28:32
Speaker 5: And then for those people, I mean, we both did it.
28:35
Speaker 5: We both donated and created our own scholarships. I created
28:37
Speaker 5: one out of community college, created one out of high school.
28:40
Speaker 5: And for those people that are watching that don't know
28:42
Speaker 5: how to give back money, you can call the foundations
28:45
Speaker 5: and advancement and alumni officers at these colleges and do
28:50
Speaker 5: a two hundred and fifty dollars scholarship or five hundred
28:52
Speaker 5: dollars scholarship to help students as well. Another misconception is
28:56
Speaker 5: that you have to finish a community college in order
28:58
Speaker 5: to transfer.
28:59
Speaker 6: That's not true. Every school is different.
29:01
Speaker 5: So for example, in New Jersey where I live, there's
29:04
Speaker 5: two things that I want to kind of put out there.
29:05
Speaker 5: There's two things in New Jersey. Let's say you have
29:08
Speaker 5: twelve credits in a two point zero you can transfer
29:10
Speaker 5: into most four year state schools in New Jersey. It's
29:13
Speaker 5: give me two point five into most state schools in
29:15
Speaker 5: New Jersey. New Jersey also has another program, and most
29:19
Speaker 5: states do have programs like this called NJ Stars where
29:22
Speaker 5: a student maybe didn't do particularly well in their SATs,
29:25
Speaker 5: but they're in the top twenty percent of the top
29:26
Speaker 5: ten percent of their class. And if you're in the
29:28
Speaker 5: top ten percent of your class, you go to college
29:30
Speaker 5: for free, community college. Then when you go to community college,
29:33
Speaker 5: if you get your associate's degree and you have a
29:35
Speaker 5: three point two GPA, you can get another scholarship to
29:38
Speaker 5: go finish your bachelor's degree at a four year college
29:41
Speaker 5: and that'll be it in Jstars two. So in Jstars
29:43
Speaker 5: one it's community college. You can transfer out and then
29:45
Speaker 5: you go into in Jstars two. So these are type
29:48
Speaker 5: of programs that they have in a lot of I
29:49
Speaker 5: just know that particular because I'm from New Jersey, but
29:51
Speaker 5: they have these type of programs within the states. So
29:54
Speaker 5: don't get too caught up saying, well, I'm top twenty
29:56
Speaker 5: percent of the class, I want to go to this
29:57
Speaker 5: big school.
29:58
Speaker 6: Yeah, you might be.
29:59
Speaker 5: Your top twenty percent might be different from another high school,
30:01
Speaker 5: so you might not get as much money as far
30:03
Speaker 5: as scholarships. So take advantage of the scholarship that you
30:06
Speaker 5: do have, maybe at that community college, and then go
30:08
Speaker 5: on and then potentially transfer and get scholarships as well.
30:10
Speaker 6: So it's just transfer scholarships.
30:12
Speaker 3: As you're talking, I'm listening because we do this this
30:15
Speaker 3: project with the kids who are going into college, like
30:17
Speaker 3: even say an associates degree, they like have no ideas.
30:19
Speaker 3: That's traditionally fifty six credits, right, and then obviously your
30:22
Speaker 3: bachelor is when you finish traditionally one hundred and twenty
30:25
Speaker 3: credits of school. That might take for four or five years,
30:29
Speaker 3: hopefully because it's.
30:30
Speaker 5: Going to cost you and you don't But and on
30:32
Speaker 5: top of that, you know, after a certain amount of credits,
30:35
Speaker 5: after I think one hundred and sixty, I want to say,
30:37
Speaker 5: you run out of financial aid so you can continue
30:40
Speaker 5: to go to school. They'll let you go to school,
30:42
Speaker 5: they don't care, but your financial aid can you can
30:44
Speaker 5: exhaust your financial aid?
30:45
Speaker 6: That's important.
30:46
Speaker 3: And I was going to say, like in addition to that,
30:48
Speaker 3: like a lot, there's a misconception with community college, Like
30:50
Speaker 3: you said, after those two years you transfer to a
30:53
Speaker 3: four year school, Like when you graduate and you go
30:55
Speaker 3: into your career, nobody's looking at like, yo, what junior
30:58
Speaker 3: you transfer from community college? And then New York State
31:01
Speaker 3: has now like in the past two years they started
31:02
Speaker 3: the Excel to your program. So State school is also
31:05
Speaker 3: a good thing. Right, it's at least it's less than.
31:08
Speaker 6: If you went to a private school. Right.
31:10
Speaker 3: So, if you go to state school and you live
31:11
Speaker 3: in New York and you know your parents make under
31:13
Speaker 3: a certain amount of money, you can have I think
31:16
Speaker 3: room and board for free, and to which I was, well,
31:19
Speaker 3: so that's another option. If community college is like, it's
31:22
Speaker 3: not something you want to do, go to your local
31:24
Speaker 3: state school if you live in New York, and then
31:26
Speaker 3: I think the only recommend the requirement is that you
31:28
Speaker 3: have to work in the state four years after you
31:33
Speaker 3: or however long.
31:33
Speaker 6: Yeah, a lot of schools are doing.
31:35
Speaker 5: You know, if your parents make seventy thousand hours, your
31:38
Speaker 5: household income is seventy thousand hours, you go to school
31:40
Speaker 5: for free. That's something that's happened in New Jersey where
31:43
Speaker 5: all the community colleges will be free start in September.
31:46
Speaker 5: These are again, these are the type of programs that
31:48
Speaker 5: you should know. But most importantly you just brought up
31:50
Speaker 5: a really good point. Public understand what a public college
31:54
Speaker 5: is and a private college. Right, nine times out of ten,
31:57
Speaker 5: a private college costs more than a public college, and
31:59
Speaker 5: it doesn't mean that.
32:00
Speaker 6: And it goes back to what I said. It doesn't
32:01
Speaker 6: mean that they're a better school.
32:02
Speaker 5: It's literally because they're privately funded, so it's a little
32:05
Speaker 5: it's a little bit different when it comes to how
32:07
Speaker 5: much they charge for tuition. So it's very important to
32:09
Speaker 5: know what a public college is and a private and
32:11
Speaker 5: a private and know the difference.
32:12
Speaker 4: That's important. Yeah, because I actually did a podcast before
32:15
Speaker 4: and somebody asked me that question, and I was saying
32:17
Speaker 4: that nobody cares, like especially if you plan on getting
32:21
Speaker 4: a degree outside of the other first degree. So like
32:23
Speaker 4: if you if you know you're going to get a
32:26
Speaker 4: four year degree and you go into a two year school,
32:28
Speaker 4: or if you know you're going to get a master's degree, right,
32:31
Speaker 4: they only care about the last degree that you have, true,
32:33
Speaker 4: and that school that you went to. So like Barack
32:36
Speaker 4: Obama is a perfect example. He went to his first
32:38
Speaker 4: school that he went to for two years is like
32:41
Speaker 4: some no name school in California. Then he went to
32:44
Speaker 4: Columbia and then he went to Harvard after that. Right,
32:48
Speaker 4: when you hear the stories, it's only that he went
32:50
Speaker 4: to Harvard Law and he graduated from Columbia. They never
32:52
Speaker 4: say the first school that he went to. It doesn't matter,
32:56
Speaker 4: but you save a lot of money, you prepare yourself,
32:58
Speaker 4: and you grow so a lot of time. I'm not
33:01
Speaker 4: the best person to give this speech because I went
33:02
Speaker 4: to the University of Hawaii, But you might have to
33:06
Speaker 4: humble yourself and stay home right and learn, learn the ropes,
33:10
Speaker 4: and you know, stay at home for a couple of
33:12
Speaker 4: years and then go out on your own. Or you know,
33:15
Speaker 4: you might just sacrifice for four years, stay at home,
33:17
Speaker 4: save money, go to your local school in your area,
33:20
Speaker 4: your state school. It'll you might not get the same
33:25
Speaker 4: joy as you know going out on your own and
33:28
Speaker 4: you know, going to a crazy destination, but the grand
33:33
Speaker 4: scheme of things, it might make a lot of sense
33:36
Speaker 4: long term.
33:36
Speaker 6: That's my story in itself.
33:37
Speaker 3: Right, I stayed home, I went to school locally, right,
33:40
Speaker 3: But what I did during that time was I was
33:41
Speaker 3: able to get experience. Whereas somebody who comes out of
33:44
Speaker 3: school and is looking for experience, I already have four
33:47
Speaker 3: years on you. So sometimes when you go to a
33:49
Speaker 3: career or job, it's like, yeah, you have this, but
33:51
Speaker 3: do you have the experience? Like I'm doing that as
33:53
Speaker 3: I'm going to school and obviously I don't have to
33:55
Speaker 3: pay for room and board, or anything like that.
33:57
Speaker 6: So it helped in that way.
33:58
Speaker 5: Yeah, and also look at another compointent by experience also
34:01
Speaker 5: got the career centers within the college. I know, in
34:04
Speaker 5: my junior year, my job, my internship was also kind
34:08
Speaker 5: of as credits, so it could be considered like a
34:10
Speaker 5: co op program. So your class can actually eliminate I mean,
34:13
Speaker 5: your job can actually eliminate you taking a certain class
34:16
Speaker 5: because the work that you're doing, the experience that you're
34:18
Speaker 5: doing is learning learn learning experience. And then they'll give
34:21
Speaker 5: you a professor to kind of you know, follow you
34:24
Speaker 5: along and then you write a paper about it in
34:26
Speaker 5: a semester. And not only did you get paid to work,
34:28
Speaker 5: but you also got credits which saved you money as well.
34:31
Speaker 4: So, Jeff, you have an interesting story about j Cole.
34:35
Speaker 7: Yeah, so you know, this is the thing about college.
34:37
Speaker 7: So this kind of goes into this conversation about how
34:39
Speaker 7: to find money and how to be more successful in it.
34:42
Speaker 7: So I went to Saint John's University and I went
34:44
Speaker 7: to school with j. Cole, And you know, I was
34:47
Speaker 7: president of our Black student union which was called Haraah
34:49
Speaker 7: and at that time we were the largest organization. They
34:53
Speaker 7: had a massive budget over one hundred thousand dollars. And
34:56
Speaker 7: what we were able to do was I became president
34:59
Speaker 7: of that. And becoming president of that, they gave me
35:01
Speaker 7: a five thousand dollars stipend. So right there, I got
35:03
Speaker 7: an extra five k that I didn't have for doing
35:05
Speaker 7: some student work on top of the stipend. With that budget,
35:08
Speaker 7: I was able to also bring in a bunch of
35:10
Speaker 7: different speakers. I mean Cornell, Wes, Maya, Angelou, all these
35:14
Speaker 7: people that I wanted to meet, we had the money
35:15
Speaker 7: to bring them in. Now, the Jay colepiece is is
35:20
Speaker 7: leveraging the networking opportunity. So if you're going to go
35:23
Speaker 7: to a college, I don't care what school it is,
35:25
Speaker 7: I want you to go in there and make sure
35:26
Speaker 7: you meet as many different people as you possibly can
35:29
Speaker 7: get yourself into every room. And so when I think
35:31
Speaker 7: about Cole, one of the things that you know, I
35:34
Speaker 7: remember Jermaine was just wrapping in the random open mic
35:37
Speaker 7: or wrapping in the residence hall in the dorms, and
35:39
Speaker 7: then that flipped into him getting involved. He eventually became
35:43
Speaker 7: president of our Black student union. And then when that happened,
35:46
Speaker 7: he always had a crowd. There was always five hundred
35:49
Speaker 7: people that were guaranteed that we're going to buy the mixtape,
35:52
Speaker 7: that we're going to come out to the show, that
35:53
Speaker 7: we're going to support him at the open mic, that
35:55
Speaker 7: we're going to go out to this and me, I
35:57
Speaker 7: see it all the time as we do speaking gigs,
36:00
Speaker 7: still perform poetry. Half of my audience are people from
36:03
Speaker 7: Saint John's for my undergraduate career. So I tell people
36:06
Speaker 7: make sure that once you get in, get yourself involved,
36:10
Speaker 7: get yourself entrenched in the university, because that's how you
36:13
Speaker 7: get them to start paying you back. And that's the thing.
36:15
Speaker 7: School's really expensive. But I'm going to find out how
36:17
Speaker 7: do I become a resident assistant. And a resident assistant
36:20
Speaker 7: is when you're in charge of a residence floor and
36:23
Speaker 7: you're in charge of a dorm floor, they pay for
36:25
Speaker 7: your housing. I did not pay for housing for three
36:27
Speaker 7: years of my college career. And when you get into
36:29
Speaker 7: those spaces, I was an orientation leader, which were the
36:32
Speaker 7: people who introduced the people when they came to college.
36:34
Speaker 7: I got paid for that. So that's where you find
36:37
Speaker 7: the money. You leverage the money by the network, by
36:40
Speaker 7: the capital of the individuals as well as the capital
36:42
Speaker 7: that the school hasn't.
36:44
Speaker 4: And you said something interesting. You said that Jacole being
36:46
Speaker 4: the president of the Black student union, he was in
36:48
Speaker 4: a unique position because he booked concerts.
36:51
Speaker 8: So then that opened up for them. Yeah, it was fascinating.
36:54
Speaker 7: I mean I remember, you know, when I was wrapping
36:56
Speaker 7: back in the day, that was the same thing. I'm like,
36:58
Speaker 7: I put on my little resume. Yeah, I opened up
37:00
Speaker 7: for Kanye, I opened up for quality, I opened up
37:02
Speaker 7: for comment And he did the same thing every time
37:06
Speaker 7: we had a major artist. He was one of the
37:08
Speaker 7: performers that opened up for it. And then that just
37:10
Speaker 7: again creates more leverage, creates more opportunities. You get practice.
37:14
Speaker 7: He didn't pay a dime, he didn't pay anything. You
37:17
Speaker 7: use the studio that's on campus, use every possible resource
37:21
Speaker 7: that they have, because they're they're they're taking the money
37:23
Speaker 7: from you. They're never gonna they're never gonna say, hey,
37:26
Speaker 7: you know what, it's okay, you don't have to pay today.
37:29
Speaker 8: So I'm gonna say, listen.
37:30
Speaker 7: I want They're never gonna say that, right, So I
37:33
Speaker 7: want the studio, I want the gym, I want I'm
37:36
Speaker 7: taking everything that.
37:37
Speaker 8: This school could possibly give me.
37:39
Speaker 4: And he was like a straight student.
37:41
Speaker 7: Yeah, I mean he was a good student from what
37:43
Speaker 7: I heard. I mean, I wasn't in the classes with him, right,
37:45
Speaker 7: but he was.
37:46
Speaker 8: I mean.
37:46
Speaker 7: And that's the thing is that I can't stress. And
37:49
Speaker 7: I'll say this over and over again. You have to
37:51
Speaker 7: succeed in that space. So do everything you possibly can
37:55
Speaker 7: to leverage every opportunity that they have.
38:00
Speaker 2: My graduates from my school being forced bad drop bag drop,
38:06
Speaker 2: Mike drop bad, drop back.
38:08
Speaker 10: Drop, Coach, The energy out there felt different.
38:21
Speaker 11: What changed for the team today?
38:23
Speaker 5: It was the new game day scratches from the California
38:25
Speaker 5: Lottery players.
38:26
Speaker 8: Everything.
38:27
Speaker 6: Those games sent the team's energy through the roof.
38:29
Speaker 10: Are you saying it was the off field play that
38:31
Speaker 10: made the difference on the field, Hey.
38:32
Speaker 5: Little play makes your day, and today it made the
38:35
Speaker 5: game that's off of now, Coach.
38:37
Speaker 11: One more question played the new Los Angeles Chargers, San
38:40
Speaker 11: Francisco forty nine Ers and Los Angeles Ram Scratchers from
38:43
Speaker 11: the California Lottery. A little play can make your day.
38:46
Speaker 11: Peacely responsibly. Must be eighteen years or older to purchase
38:48
Speaker 11: plate or claim